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Mate, I'm just got this annual review pack to send through to you and a couple of details to update. Do you still have time for today? Do you still have time for your review today? Amazing. Mate, I'm gonna pop this through to your email address. Will you be able to look on to the documents with me, or do you want me to just explain what's there? Yeah. That's fine. I'll walk you through it, and you can have a look later. I'm just gonna double check security, mate, if you can please confirm date of birth and address for me. Fantastic. Thank you for that, mate. So what's coming through to you just in that email will be the, like, service agreement, financial services guide, updated license info, privacy policy from us, performance details, and a little bit of a snapshot. Cool. Mate, so anything in particular you want to focus with on this review? Well, I wanted to go through that with you today because it's a bit flat at the moment. Market kind of took a bit of a tumble in March. So I'll start off with the super, and then I'll update your details. Is that okay? Perfect. So let me grab today's balance for you. Right. No worries. We've got a $106,001.90. Now it's gone about the same. So from last year, it was sitting down about one zero six, one zero eight. It keeps jumping up and down around the same amount. So what I'm having a look at here with the super, we'll talk about contributions in a second, but all of the investment options that you've got, most of them went up really you've got eight. Seven of them went up really, really high. Gold's up. American shares are up. You've got one option there, Ben Long Australian shares that went down, and that's kind of kept everything flat this year. So from the 10% you got last year, it's sitting at about 0% for the twelve months. K. So that's all happening right now, and that's what I wanted to talk to you about is changing that one. I don't think we need to change all the other ones because they're doing pretty well, but I wanna change that one out if you're okay with that. Yes. Yep. I keep an eye on it. Yeah. Correct. So the high risk is kind of making it go up thirty percent one year and then back down flat the next year kind of thing. You're in a very high risk. So what I can do is I mean, long term is fine. Five years, ten years is looking good, but I do need to make a change to it if you're okay for me to put that in a document and show you. No worries. Yeah. That's right. Every So in ten years, it should make way more than $4 every year, but in ten years, two years, it's gonna go down a bit. Do you remember we were talking last year about what what's gonna happen if the market goes down, stock market, that kind of thing? And you were saying, oh, not too bad if it goes down a little bit, but you don't obviously wanna lose half your super kind of thing. Oh, I know you're still there, mate? That's one way to look at it. But my job is to, every year, fix it with you if something goes wrong, and that's what I wanna talk to you about if that's okay. Because we can't make money every year, but I wanna make sure that you're in the best options, best ones over ten years. But, obviously, I can't control the bombs going off and things like that. That's not an excuse. But for that one option, I do have something to change it into that I wanted to run by you. Yeah. No. That's perfect, mate. Just do the 1300 number. Ten minutes, I'll be here. Thank you, mate. 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it's Tommy here, senior adviser from Oakview, mate. How are you doing? Living the dream, and fantastic to be talking to you again today, sir. Mate, I'm just got this annual review pack to send through to you and a couple of details to update. Do you still have time for today?\n\nDo you still have time for your review today? Amazing. Mate, I'm gonna pop this through to your email address. Will you be able to look on to the documents with me, or do you want me to just explain what's there? Yeah.\n\nThat's fine. I'll walk you through it, and you can have a look later. I'm just gonna double check security, mate, if you can please confirm date of birth and address for me. Fantastic. Thank you for that, mate.\n\nSo what's coming through to you just in that email will be the, like, service agreement, financial services guide, updated license info, privacy policy from us, performance details, and a little bit of a snapshot. Cool. Mate, so anything in particular you want to focus with on this review? Well, I wanted to go through that with you today because it's a bit flat at the moment. Market kind of took a bit of a tumble in March.\n\nSo I'll start off with the super, and then I'll update your details. Is that okay? Perfect. So let me grab today's balance for you. Right.\n\nNo worries. We've got a $106,001.90. Now it's gone about the same. So from last year, it was sitting down about one zero six, one zero eight. It keeps jumping up and down around the same amount.\n\nSo what I'm having a look at here with the super, we'll talk about contributions in a second, but all of the investment options that you've got, most of them went up really you've got eight. Seven of them went up really, really high. Gold's up. American shares are up. You've got one option there, Ben Long Australian shares that went down, and that's kind of kept everything flat this year.\n\nSo from the 10% you got last year, it's sitting at about 0% for the twelve months. K. So that's all happening right now, and that's what I wanted to talk to you about is changing that one. I don't think we need to change all the other ones because they're doing pretty well, but I wanna change that one out if you're okay with that. Yes.\n\nYep. I keep an eye on it. Yeah. Correct. So the high risk is kind of making it go up thirty percent one year and then back down flat the next year kind of thing.\n\nYou're in a very high risk. So what I can do is I mean, long term is fine. Five years, ten years is looking good, but I do need to make a change to it if you're okay for me to put that in a document and show you. No worries. Yeah.\n\nThat's right. Every So in ten years, it should make way more than $4 every year, but in ten years, two years, it's gonna go down a bit. Do you remember we were talking last year about what what's gonna happen if the market goes down, stock market, that kind of thing? And you were saying, oh, not too bad if it goes down a little bit, but you don't obviously wanna lose half your super kind of thing. Oh, I know you're still there, mate?\n\nThat's one way to look at it. But my job is to, every year, fix it with you if something goes wrong, and that's what I wanna talk to you about if that's okay. Because we can't make money every year, but I wanna make sure that you're in the best options, best ones over ten years. But, obviously, I can't control the bombs going off and things like that. That's not an excuse.\n\nBut for that one option, I do have something to change it into that I wanted to run by you. Yeah. No. That's perfect, mate. Just do the 1300 number.\n\nTen minutes, I'll be here. Thank you, mate. Talk soon.","paragraphs":[{"sentences":[{"text":"Anu, it's Tommy here, senior adviser from Oakview, mate.","start":3.9199998,"end":6.64,"sentiment":"neutral","sentiment_score":0.07630489766597748},{"text":"How are you doing?","start":6.64,"end":7.46,"sentiment":"neutral","sentiment_score":0.10406054742634296},{"text":"Living the dream, and fantastic to be talking to you again today, sir.","start":9.04,"end":12.42,"sentiment":"positive","sentiment_score":0.8010859672839825},{"text":"Mate, I'm just got this annual review pack to send through to you and a couple of details to update.","start":15.094999,"end":20.055,"sentiment":"neutral","sentiment_score":0.10838704071938991},{"text":"Do you still have time for today?","start":20.055,"end":21.755,"sentiment":"neutral","sentiment_score":0.018017806112766266}],"sentiment":"neutral","sentiment_score":0.2605843264258133,"num_words":53,"start":3.9199998,"end":21.755},{"sentences":[{"text":"Do you still have time for your review today?","start":23.335,"end":25.515,"sentiment":"neutral","sentiment_score":0.009482907234794564},{"text":"Amazing.","start":29.35,"end":29.85,"sentiment":"positive","sentiment_score":0.476904034614563},{"text":"Mate, I'm gonna pop this through to your email address.","start":30.07,"end":32.81,"sentiment":"neutral","sentiment_score":0.1945643901824951},{"text":"Will you be able to look on to the documents with me, or do you want me to just explain what's there?","start":33.27,"end":37.37,"sentiment":"neutral","sentiment_score":0.07768667963418094},{"text":"Yeah.","start":42.565,"end":42.805,"sentiment":"neutral","sentiment_score":0.06770668923854828}],"sentiment":"neutral","sentiment_score":0.09964436611030685,"num_words":43,"start":23.335,"end":42.805},{"sentences":[{"text":"That's fine.","start":42.805,"end":43.445,"sentiment":"neutral","sentiment_score":0.16111333668231964},{"text":"I'll walk you through it, and you can have a look later.","start":43.445,"end":45.545,"sentiment":"neutral","sentiment_score":0.17147731905182204},{"text":"I'm just gonna double check security, mate, if you can please confirm date of birth and address for me.","start":46.245,"end":50.94,"sentiment":"neutral","sentiment_score":0.09808818054826636},{"text":"Fantastic.","start":60.219997,"end":60.719997,"sentiment":"positive","sentiment_score":0.4520646929740906},{"text":"Thank you for that, mate.","start":60.86,"end":62.059998,"sentiment":"positive","sentiment_score":0.5012390315532684}],"sentiment":"neutral","sentiment_score":0.18466384059343582,"num_words":39,"start":42.805,"end":62.059998},{"sentences":[{"text":"So what's coming through to you just in that email will be the, like, service agreement, financial services guide, updated license info, privacy policy from us, performance details, and a little bit of a snapshot.","start":62.059998,"end":75.524994,"sentiment":"neutral","sentiment_score":0.16530534965651375},{"text":"Cool.","start":76.945,"end":77.445,"sentiment":"neutral","sentiment_score":0.16621340811252594},{"text":"Mate, so anything in particular you want to focus with on this review?","start":77.825,"end":81.42,"sentiment":"neutral","sentiment_score":0.07699179706665185},{"text":"Well, I wanted to go through that with you today because it's a bit flat at the moment.","start":90.775,"end":94.314995,"sentiment":"neutral","sentiment_score":-0.16388348365823427},{"text":"Market kind of took a bit of a tumble in March.","start":95.015,"end":97.354996,"sentiment":"neutral","sentiment_score":-0.14418850703672928}],"sentiment":"neutral","sentiment_score":0.030984842624419775,"num_words":78,"start":62.059998,"end":97.354996},{"sentences":[{"text":"So I'll start off with the super, and then I'll update your details.","start":97.415,"end":100.134995,"sentiment":"neutral","sentiment_score":0.012454684967031846},{"text":"Is that okay?","start":100.134995,"end":100.955,"sentiment":"neutral","sentiment_score":0.015914101153612137},{"text":"Perfect.","start":102.295,"end":102.795,"sentiment":"positive","sentiment_score":0.6247515678405762},{"text":"So let me grab today's balance for you.","start":102.854996,"end":106.26,"sentiment":"neutral","sentiment_score":0.1554257497191429},{"text":"Right.","start":110.98,"end":111.14,"sentiment":"neutral","sentiment_score":0.09453926980495451}],"sentiment":"neutral","sentiment_score":0.08355192474734324,"num_words":26,"start":97.415,"end":111.14},{"sentences":[{"text":"No worries.","start":111.14,"end":111.880005,"sentiment":"neutral","sentiment_score":0.15135930478572845},{"text":"We've got a $106,001.90.","start":115.380005,"end":118.200005,"sentiment":"neutral","sentiment_score":0.0975693017244339},{"text":"Now it's gone about the same.","start":122.515,"end":124.355,"sentiment":"neutral","sentiment_score":-0.11216225723425548},{"text":"So from last year, it was sitting down about one zero six, one zero eight.","start":124.355,"end":128.435,"sentiment":"neutral","sentiment_score":-0.16649024536212284},{"text":"It keeps jumping up and down around the same amount.","start":128.435,"end":130.775,"sentiment":"neutral","sentiment_score":-0.2767638057470322}],"sentiment":"neutral","sentiment_score":-0.14175593148212176,"num_words":37,"start":111.14,"end":130.775},{"sentences":[{"text":"So what I'm having a look at here with the super, we'll talk about contributions in a second, but all of the investment options that you've got, most of them went up really you've got eight.","start":135.48,"end":146.06,"sentiment":"neutral","sentiment_score":-0.00619298354205158},{"text":"Seven of them went up really, really high.","start":146.88501,"end":148.74501,"sentiment":"neutral","sentiment_score":0.06718889810144901},{"text":"Gold's up.","start":148.96501,"end":149.845,"sentiment":"neutral","sentiment_score":0.09010697156190872},{"text":"American shares are up.","start":149.845,"end":151.205,"sentiment":"neutral","sentiment_score":0.043337972834706306},{"text":"You've got one option there, Ben Long Australian shares that went down, and that's kind of kept everything flat this year.","start":151.205,"end":157.54501,"sentiment":"neutral","sentiment_score":-0.20587192617711567}],"sentiment":"neutral","sentiment_score":-0.05148142025294438,"num_words":71,"start":135.48,"end":157.54501},{"sentences":[{"text":"So from the 10% you got last year, it's sitting at about 0% for the twelve months.","start":157.68501,"end":163.2,"sentiment":"neutral","sentiment_score":-0.19810201534453561},{"text":"K.","start":166.29999,"end":166.79999,"sentiment":"neutral","sentiment_score":-0.05640225112438202},{"text":"So that's all happening right now, and that's what I wanted to talk to you about is changing that one.","start":168.7,"end":174.23999,"sentiment":"neutral","sentiment_score":-0.013937661284580826},{"text":"I don't think we need to change all the other ones because they're doing pretty well, but I wanna change that one out if you're okay with that.","start":174.875,"end":181.455,"sentiment":"neutral","sentiment_score":-0.11633636562951974},{"text":"Yes.","start":190.57,"end":190.97,"sentiment":"neutral","sentiment_score":0.04169442504644394}],"sentiment":"neutral","sentiment_score":-0.10326288880974945,"num_words":67,"start":157.68501,"end":190.97},{"sentences":[{"text":"Yep.","start":190.97,"end":191.47,"sentiment":"neutral","sentiment_score":0.04360133409500122},{"text":"I keep an eye on it.","start":191.53,"end":192.83,"sentiment":"neutral","sentiment_score":0.024403230597575504},{"text":"Yeah.","start":200.66501,"end":200.985,"sentiment":"neutral","sentiment_score":0.0008832160383462906},{"text":"Correct.","start":200.985,"end":201.485,"sentiment":"neutral","sentiment_score":-0.0063525959849357605},{"text":"So the high risk is kind of making it go up thirty percent one year and then back down flat the next year kind of thing.","start":201.705,"end":208.825,"sentiment":"neutral","sentiment_score":-0.30433542797198665}],"sentiment":"neutral","sentiment_score":-0.22080485112965106,"num_words":35,"start":190.97,"end":208.825},{"sentences":[{"text":"You're in a very high risk.","start":208.825,"end":210.125,"sentiment":"negative","sentiment_score":-0.4893920073906581},{"text":"So what I can do is I mean, long term is fine.","start":217.32,"end":221.8,"sentiment":"neutral","sentiment_score":-0.11910254880785942},{"text":"Five years, ten years is looking good, but I do need to make a change to it if you're okay for me to put that in a document and show you.","start":221.8,"end":229.20499,"sentiment":"neutral","sentiment_score":-0.08776253077291674},{"text":"No worries.","start":236.07999,"end":236.65999,"sentiment":"neutral","sentiment_score":-0.002909565344452858},{"text":"Yeah.","start":253.21501,"end":253.535,"sentiment":"neutral","sentiment_score":-0.007766786962747574}],"sentiment":"neutral","sentiment_score":-0.13653475003173718,"num_words":52,"start":208.825,"end":253.535},{"sentences":[{"text":"That's right.","start":253.535,"end":254.27501,"sentiment":"neutral","sentiment_score":0.08819418959319592},{"text":"Every So in ten years, it should make way more than $4 every year, but in ten years, two years, it's gonna go down a bit.","start":260.495,"end":271.46,"sentiment":"neutral","sentiment_score":-0.1788602854626683},{"text":"Do you remember we were talking last year about what what's gonna happen if the market goes down, stock market, that kind of thing?","start":276.095,"end":282.01498,"sentiment":"neutral","sentiment_score":-0.23310377883414427},{"text":"And you were saying, oh, not too bad if it goes down a little bit, but you don't obviously wanna lose half your super kind of thing.","start":282.01498,"end":288.84,"sentiment":"neutral","sentiment_score":-0.30491499326847216},{"text":"Oh, I know you're still there, mate?","start":297.63998,"end":299.18,"sentiment":"neutral","sentiment_score":-0.07153573352843523}],"sentiment":"neutral","sentiment_score":-0.21862703125360747,"num_words":86,"start":253.535,"end":299.18},{"sentences":[{"text":"That's one way to look at it.","start":304.855,"end":306.475,"sentiment":"neutral","sentiment_score":0.008210977539420128},{"text":"But my job is to, every year, fix it with you if something goes wrong, and that's what I wanna talk to you about if that's okay.","start":306.935,"end":313.83502,"sentiment":"neutral","sentiment_score":0.005357740084744162},{"text":"Because we can't make money every year, but I wanna make sure that you're in the best options, best ones over ten years.","start":317.65002,"end":325.11002,"sentiment":"neutral","sentiment_score":0.0344780056696871},{"text":"But, obviously, I can't control the bombs going off and things like that.","start":325.33002,"end":329.445,"sentiment":"neutral","sentiment_score":-0.2650425061583519},{"text":"That's not an excuse.","start":330.385,"end":331.525,"sentiment":"neutral","sentiment_score":-0.1542833410203457}],"sentiment":"neutral","sentiment_score":-0.04145345930639353,"num_words":74,"start":304.855,"end":331.525},{"sentences":[{"text":"But for that one option, I do have something to change it into that I wanted to run by 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Yeah. Good, man. How are you? Yeah. Good good to talk to you too, bro. Yes. Sorry? Yeah. Yeah. Yeah. Yeah. I have the same for my review. Yes. Yep. You just explain through it because, you know, I'm, like, I won't be able to go through it. You know what I mean? Yep. Yep. My name you know, a new a new baby. May 17. Yep. Yep. Yep. And what's my balance? You know, how did my super perform? Did I lose money or gain money? You know what I mean? Yep. Yeah. That's fine. Yep. Yes. One second, buddy. One second. Yep. Go for it. So it's gone down here. Yeah. How come you didn't try to change the investment? No. But, you know, like, usually Super perform, you know, like my Super is monitored. Right? And yeah. The other other super is, you know, just performing in, like, a 9% thing like that. And this is not even perform 4%. I think it's not working at the moment. You wait a second, man. You know, like wait a second. So The I technically speaking, you know, my $100,000 made only $44. This is not even $4. It should make $10 minimum. Okay. Probably you guys made more money than what I made with my money. Look. Give me a callback in ten minutes if you can. If not, you know, like, I'll give you a callback, you know, just just put something happening right now. You know, like, just give me give me five minutes, bro. I'll call you back in this number. Is that okay? Awesome. Thank you. Thank you. 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Yeah. Good, man. How are you? Yeah.\n\nGood good to talk to you too, bro. Yes. Sorry? Yeah. Yeah.\n\nYeah. Yeah. I have the same for my review. Yes. Yep.\n\nYou just explain through it because, you know, I'm, like, I won't be able to go through it. You know what I mean? Yep. Yep. My name you know, a new a new baby.\n\nMay 17. Yep. Yep. Yep. And what's my balance?\n\nYou know, how did my super perform? Did I lose money or gain money? You know what I mean? Yep. Yeah.\n\nThat's fine. Yep. Yes. One second, buddy. One second.\n\nYep. Go for it. So it's gone down here. Yeah. How come you didn't try to change the investment?\n\nNo. But, you know, like, usually Super perform, you know, like my Super is monitored. Right? And yeah. The other other super is, you know, just performing in, like, a 9% thing like that.\n\nAnd this is not even perform 4%. I think it's not working at the moment. You wait a second, man. You know, like wait a second. So The I technically speaking, you know, my $100,000 made only $44.\n\nThis is not even $4. It should make $10 minimum. Okay. Probably you guys made more money than what I made with my money. Look.\n\nGive me a callback in ten minutes if you can. If not, you know, like, I'll give you a callback, you know, just just put something happening right now. You know, like, just give me give me five minutes, bro. I'll call you back in this number. Is that okay?\n\nAwesome. Thank you. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.8,"end":3.3,"sentiment":"neutral","sentiment_score":0.032235655933618546},{"text":"Yeah.","start":7.44,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.19260287284851071},{"text":"Good, man.","start":7.7599998,"end":8.16,"sentiment":"positive","sentiment_score":0.46799328923225403},{"text":"How are you?","start":8.16,"end":8.9,"sentiment":"positive","sentiment_score":0.387885441382726},{"text":"Yeah.","start":12.504999,"end":12.745,"sentiment":"neutral","sentiment_score":0.331498384475708}],"sentiment":"neutral","sentiment_score":0.33199747698381543,"num_words":8,"start":2.8,"end":12.745},{"sentences":[{"text":"Good good to talk to you too, bro.","start":12.745,"end":14.605,"sentiment":"positive","sentiment_score":0.5175658017396927},{"text":"Yes.","start":20.744999,"end":21.244999,"sentiment":"neutral","sentiment_score":0.02775507979094982},{"text":"Sorry?","start":22.505,"end":23.005,"sentiment":"neutral","sentiment_score":0.00318521773442626},{"text":"Yeah.","start":25.800001,"end":26.04,"sentiment":"neutral","sentiment_score":0.029234398156404495},{"text":"Yeah.","start":26.04,"end":26.2,"sentiment":"neutral","sentiment_score":0.035192012786865234}],"sentiment":"positive","sentiment_score":0.3529910935321823,"num_words":12,"start":12.745,"end":26.2},{"sentences":[{"text":"Yeah.","start":26.2,"end":26.36,"sentiment":"neutral","sentiment_score":0.038834378123283386},{"text":"Yeah.","start":26.36,"end":26.52,"sentiment":"neutral","sentiment_score":0.05180441588163376},{"text":"I have the same for my review.","start":26.52,"end":28.44,"sentiment":"neutral","sentiment_score":0.0597526164991515},{"text":"Yes.","start":28.44,"end":28.94,"sentiment":"neutral","sentiment_score":0.22992148995399475},{"text":"Yep.","start":33.48,"end":33.98,"sentiment":"neutral","sentiment_score":0.07395008206367493}],"sentiment":"neutral","sentiment_score":0.07388897104696794,"num_words":11,"start":26.2,"end":33.98},{"sentences":[{"text":"You just explain through it because, you know, I'm, like, I won't be able to go through it.","start":36.935,"end":41.415,"sentiment":"neutral","sentiment_score":0.024528374895453453},{"text":"You know what I mean?","start":41.415,"end":42.395,"sentiment":"neutral","sentiment_score":0.010948827862739563},{"text":"Yep.","start":45.895,"end":46.215,"sentiment":"neutral","sentiment_score":0.07903023064136505},{"text":"Yep.","start":46.215,"end":46.715,"sentiment":"neutral","sentiment_score":0.07044631242752075},{"text":"My name you know, a new a new baby.","start":51.75,"end":56.07,"sentiment":"neutral","sentiment_score":0.11447165161371231}],"sentiment":"neutral","sentiment_score":0.049293420441886955,"num_words":34,"start":36.935,"end":56.07},{"sentences":[{"text":"May 17.","start":56.07,"end":59.61,"sentiment":"neutral","sentiment_score":0.07429641485214233},{"text":"Yep.","start":71.585,"end":72.085,"sentiment":"neutral","sentiment_score":0.08455159515142441},{"text":"Yep.","start":75.665,"end":75.905,"sentiment":"neutral","sentiment_score":0.06404510140419006},{"text":"Yep.","start":75.905,"end":76.405,"sentiment":"neutral","sentiment_score":0.0954105705022812},{"text":"And what's my balance?","start":83.439995,"end":85.28,"sentiment":"neutral","sentiment_score":0.022278616204857826}],"sentiment":"neutral","sentiment_score":0.053523840175734624,"num_words":9,"start":56.07,"end":85.28},{"sentences":[{"text":"You know, how did my super perform?","start":85.28,"end":87.759995,"sentiment":"neutral","sentiment_score":0.004140226968697139},{"text":"Did I lose money or gain money?","start":87.759995,"end":89.28,"sentiment":"neutral","sentiment_score":-0.051455299236944745},{"text":"You know what I mean?","start":89.28,"end":90.34,"sentiment":"neutral","sentiment_score":-0.024861370399594306},{"text":"Yep.","start":94.744995,"end":95.244995,"sentiment":"neutral","sentiment_score":-0.08747109025716782},{"text":"Yeah.","start":101.145,"end":101.385,"sentiment":"neutral","sentiment_score":0.25121134519577026}],"sentiment":"neutral","sentiment_score":-0.013893909663671539,"num_words":21,"start":85.28,"end":101.385},{"sentences":[{"text":"That's fine.","start":101.385,"end":101.945,"sentiment":"positive","sentiment_score":0.42229075729846954},{"text":"Yep.","start":101.945,"end":102.445,"sentiment":"positive","sentiment_score":0.34858831763267517},{"text":"Yes.","start":105.625,"end":105.96,"sentiment":"neutral","sentiment_score":0.13907432556152344},{"text":"One second, buddy.","start":108.44,"end":109.24,"sentiment":"neutral","sentiment_score":0.06731135894854863},{"text":"One second.","start":109.24,"end":109.9,"sentiment":"neutral","sentiment_score":0.038787756115198135}],"sentiment":"neutral","sentiment_score":0.17908374965190887,"num_words":9,"start":101.385,"end":109.9},{"sentences":[{"text":"Yep.","start":111.799995,"end":112.299995,"sentiment":"neutral","sentiment_score":0.18351547420024872},{"text":"Go for it.","start":112.44,"end":113.26,"sentiment":"neutral","sentiment_score":0.3159166971842448},{"text":"So it's gone down here.","start":120.255,"end":121.715,"sentiment":"neutral","sentiment_score":-0.03857338204979897},{"text":"Yeah.","start":165.18,"end":165.68,"sentiment":"neutral","sentiment_score":-0.04062516987323761},{"text":"How come you didn't try to change the investment?","start":165.73999,"end":167.92,"sentiment":"neutral","sentiment_score":-0.13596570491790771}],"sentiment":"neutral","sentiment_score":-0.017153571506864147,"num_words":19,"start":111.799995,"end":167.92},{"sentences":[{"text":"No.","start":183.225,"end":183.385,"sentiment":"neutral","sentiment_score":-0.11309979856014252},{"text":"But, you know, like, usually Super perform, you know, like my Super is monitored.","start":183.385,"end":189.325,"sentiment":"neutral","sentiment_score":-0.02935403705175434},{"text":"Right?","start":189.385,"end":189.885,"sentiment":"neutral","sentiment_score":0.005120974034070969},{"text":"And yeah.","start":192.32,"end":193.36,"sentiment":"neutral","sentiment_score":-0.005863563157618046},{"text":"The other other super is, you know, just performing in, like, a 9% thing like that.","start":193.36,"end":197.44,"sentiment":"neutral","sentiment_score":-0.12675762502476573}],"sentiment":"neutral","sentiment_score":-0.07525836676359177,"num_words":34,"start":183.225,"end":197.44},{"sentences":[{"text":"And this is not even perform 4%.","start":197.44,"end":199.78001,"sentiment":"neutral","sentiment_score":-0.1607908457517624},{"text":"I think it's not working at the moment.","start":213.775,"end":215.635,"sentiment":"negative","sentiment_score":-0.5551446676254272},{"text":"You wait a second, man.","start":231.345,"end":232.545,"sentiment":"neutral","sentiment_score":-0.1432620495557785},{"text":"You know, like wait a second.","start":232.545,"end":234.405,"sentiment":"neutral","sentiment_score":-0.08797451357046764},{"text":"So The I technically speaking, you know, my $100,000 made only $44.","start":244.465,"end":250.48001,"sentiment":"neutral","sentiment_score":-0.07855480660994847}],"sentiment":"neutral","sentiment_score":-0.20403969131017985,"num_words":38,"start":197.44,"end":250.48001},{"sentences":[{"text":"This is not even $4.","start":250.54001,"end":252.48001,"sentiment":"neutral","sentiment_score":-0.17834562957286834},{"text":"It should make $10 minimum.","start":256.78,"end":258.48,"sentiment":"neutral","sentiment_score":0.07292049676179886},{"text":"Okay.","start":298.725,"end":299.20502,"sentiment":"neutral","sentiment_score":0.009983092546463013},{"text":"Probably you guys made more money than what I made with my money.","start":299.20502,"end":302.345,"sentiment":"neutral","sentiment_score":-0.042154457133549914},{"text":"Look.","start":338.3,"end":338.8,"sentiment":"neutral","sentiment_score":0.06235384568572045}],"sentiment":"neutral","sentiment_score":-0.040111866742372514,"num_words":25,"start":250.54001,"end":338.8},{"sentences":[{"text":"Give me a callback in ten minutes if you can.","start":338.86,"end":341.41998,"sentiment":"neutral","sentiment_score":0.053917668759822845},{"text":"If not, you know, like, I'll give you a callback, you know, just just put something happening right now.","start":341.41998,"end":347.19998,"sentiment":"neutral","sentiment_score":-0.015474283773648111},{"text":"You know, like, just give me give me five minutes, bro.","start":347.705,"end":350.54498,"sentiment":"neutral","sentiment_score":0.027244665744629772},{"text":"I'll call you back in this number.","start":350.54498,"end":351.705,"sentiment":"neutral","sentiment_score":0.028675483805792674},{"text":"Is that okay?","start":351.705,"end":352.525,"sentiment":"neutral","sentiment_score":0.04560675844550133}],"sentiment":"neutral","sentiment_score":0.01764810562133789,"num_words":50,"start":338.86,"end":352.525},{"sentences":[{"text":"Awesome.","start":357.145,"end":357.645,"sentiment":"positive","sentiment_score":0.8761018514633179},{"text":"Thank you.","start":359.625,"end":360.105,"sentiment":"positive","sentiment_score":0.7568964660167694},{"text":"Thank you.","start":360.105,"end":360.515,"sentiment":"positive","sentiment_score":0.7158679366111755},{"text":"Bye.","start":360.515,"end":361.015,"sentiment":"neutral","sentiment_score":-0.08429639041423798}],"sentiment":"positive","sentiment_score":0.6228890443841616,"num_words":6,"start":357.145,"end":361.015}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Anu, it's Tommy here, senior adviser from Oakview, mate. How are you doing?\n\nChannel 1: Yeah. Good, man. How are you?\n\nChannel 0: Living the dream, and fantastic to be talking to you again today, sir.\n\nChannel 1: Yeah. Good good to talk to you too, bro.\n\nChannel 0: Mate, I'm just got this annual review pack to send through to you and a couple of details to update. Do you still have time\n\nChannel 1: Yes.\n\nChannel 0: for today?\n\nChannel 1: Sorry?\n\nChannel 0: Do you still have time for your review today?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. I have the same for my review.\n\nYes.\n\nChannel 0: Amazing. Mate, I'm gonna pop this through to your email address. Will you\n\nChannel 1: Yep.\n\nChannel 0: be able to look on to the documents with me, or do you want me to just explain what's there?\n\nChannel 1: You just explain through it because, you know, I'm, like, I won't be able to go through it. You know what I mean?\n\nChannel 0: Yeah. That's fine. I'll walk you through it, and you can have a look later.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I'm just gonna double check security, mate, if you can please confirm date of birth and address for me.\n\nChannel 1: My name you know, a new a new baby. May 17.\n\nChannel 0: Fantastic. Thank you for that, mate. So what's coming through to you just in that email will be the, like, service agreement, financial services guide, updated license info, privacy\n\nChannel 1: Yep.\n\nChannel 0: policy from us, performance details, and a little bit of a snapshot.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. Mate, so anything in particular you want to focus with on this review?\n\nChannel 1: And what's my balance? You know, how did my super perform? Did I lose money or gain money? You know what I mean?\n\nChannel 0: Well, I wanted to go through that with you today because it's a bit flat at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Market kind of took a bit of a tumble in March. So I'll start off with the super, and then I'll update your details. Is that okay?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Perfect. So let me grab today's balance\n\nChannel 1: Yes.\n\nChannel 0: for you.\n\nChannel 1: One second, buddy. One second.\n\nChannel 0: Right. No worries.\n\nChannel 1: Yep. Go for it.\n\nChannel 0: We've got a $106,001.90.\n\nChannel 1: So it's gone down here.\n\nChannel 0: Now it's gone about the same. So from last year, it was sitting down about one zero six, one zero eight. It keeps jumping up and down around the same amount. So what I'm having a look at here with the super, we'll talk about contributions in a second, but all of the investment options that you've got, most of them went up really you've got eight. Seven of them went up really, really high.\n\nGold's up. American shares are up. You've got one option there, Ben Long Australian shares that went down, and that's kind of kept everything flat this year. So from the 10% you got last year, it's sitting at about 0% for the twelve months.\n\nChannel 1: Yeah. How come you\n\nChannel 0: K.\n\nChannel 1: didn't try to change the investment?\n\nChannel 0: So that's all happening right now, and that's what I wanted to talk to you about is changing that one. I don't think we need to change all the other ones because they're doing pretty well, but I wanna change that one out if you're okay with that.\n\nChannel 1: No. But, you know, like, usually Super perform, you know, like my Super is monitored. Right?\n\nChannel 0: Yes. Yep. I keep an eye on\n\nChannel 1: And\n\nChannel 0: it.\n\nChannel 1: yeah. The other other super is, you know, just performing in, like, a 9% thing like that. And this is not even perform 4%.\n\nChannel 0: Yeah. Correct. So the high risk is kind of making it go up thirty percent one year and then back down flat the next year kind of thing. You're in a very high risk.\n\nChannel 1: I think it's not working at the moment.\n\nChannel 0: So what I can do is I mean, long term is fine. Five years, ten years is looking good, but I do need to make a change to it if you're okay for me to put that in a document and show you.\n\nChannel 1: You wait a second, man. You know, like wait a second.\n\nChannel 0: No worries.\n\nChannel 1: So The I technically speaking, you know, my $100,000 made only $44. This is not even $4.\n\nChannel 0: Yeah. That's right.\n\nChannel 1: It should make $10 minimum.\n\nChannel 0: Every So in ten years, it should make way more than $4 every year, but in ten years, two years, it's gonna go down a bit. Do you remember we were talking last year about what what's gonna happen if the market goes down, stock market, that kind of thing? And you were saying, oh, not too bad if it goes down a little bit, but you don't obviously wanna lose half your super kind of thing. Oh, I know you're still there, mate?\n\nChannel 1: Okay. Probably you guys made more money than what I made with my money.\n\nChannel 0: That's one way to look at it. But my job is to, every year, fix it with you if something goes wrong, and that's what I wanna talk to you about if that's okay. Because we can't make money every year, but I wanna make sure that you're in the best options, best ones over ten years. But, obviously, I can't control the bombs going off and things like that. That's not an excuse.\n\nBut for that one option, I do have something to change it into that I wanted to run by you.\n\nChannel 1: Look. Give me a callback in ten minutes if you can. If not, you know, like, I'll give you a callback, you know, just just put something happening right now. You know, like, just give me give me five minutes, bro. I'll call you back in this number.\n\nIs that okay?\n\nChannel 0: Yeah. No. That's perfect, mate. Just do the 1300 number. Ten minutes, I'll be here.\n\nChannel 1: Awesome.\n\nChannel 0: Thank you, mate. Talk soon.\n\nChannel 1: Thank you. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.8,"end":3.3,"sentiment":"neutral","sentiment_score":0.032235655933618546}],"sentiment":"neutral","sentiment_score":0.032235655933618546,"channel":1,"num_words":1,"start":2.8,"end":3.3},{"sentences":[{"text":"Anu, it's Tommy here, senior adviser from Oakview, mate.","start":3.9199998,"end":6.64,"sentiment":"neutral","sentiment_score":0.07630489766597748},{"text":"How are you doing?","start":6.64,"end":7.46,"sentiment":"neutral","sentiment_score":0.10406054742634296}],"sentiment":"neutral","sentiment_score":0.08484509759224378,"channel":0,"num_words":13,"start":3.9199998,"end":7.46},{"sentences":[{"text":"Yeah.","start":7.44,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.19260287284851071},{"text":"Good, man.","start":7.7599998,"end":8.16,"sentiment":"positive","sentiment_score":0.46799328923225403},{"text":"How are you?","start":8.16,"end":8.9,"sentiment":"positive","sentiment_score":0.387885441382726}],"sentiment":"positive","sentiment_score":0.38204096257686615,"channel":1,"num_words":6,"start":7.44,"end":8.9},{"sentences":[{"text":"Living the dream, and fantastic to be talking to you again today, sir.","start":9.04,"end":12.42,"sentiment":"positive","sentiment_score":0.8010859672839825}],"sentiment":"positive","sentiment_score":0.8010859672839825,"channel":0,"num_words":13,"start":9.04,"end":12.42},{"sentences":[{"text":"Yeah.","start":12.504999,"end":12.745,"sentiment":"neutral","sentiment_score":0.331498384475708},{"text":"Good good to talk to you too, bro.","start":12.745,"end":14.605,"sentiment":"positive","sentiment_score":0.5175658017396927}],"sentiment":"positive","sentiment_score":0.4968916442659166,"channel":1,"num_words":9,"start":12.504999,"end":14.605},{"sentences":[{"text":"Mate, I'm just got this annual review pack to send through to you and a couple of details to update.","start":15.094999,"end":20.055,"sentiment":"neutral","sentiment_score":0.10838704071938991},{"text":"Do you still have time","start":20.055,"end":20.935,"sentiment":"neutral","sentiment_score":0.019020042195916177}],"sentiment":"neutral","sentiment_score":0.09051364101469517,"channel":0,"num_words":25,"start":15.094999,"end":20.935},{"sentences":[{"text":"Yes.","start":20.744999,"end":21.244999,"sentiment":"neutral","sentiment_score":0.02775507979094982}],"sentiment":"neutral","sentiment_score":0.02775507979094982,"channel":1,"num_words":1,"start":20.744999,"end":21.244999},{"sentences":[{"text":"for today?","start":20.935,"end":21.755,"sentiment":"neutral","sentiment_score":0.015512215904891493}],"sentiment":"neutral","sentiment_score":0.015512215904891493,"channel":0,"num_words":2,"start":20.935,"end":21.755},{"sentences":[{"text":"Sorry?","start":22.505,"end":23.005,"sentiment":"neutral","sentiment_score":0.00318521773442626}],"sentiment":"neutral","sentiment_score":0.00318521773442626,"channel":1,"num_words":1,"start":22.505,"end":23.005},{"sentences":[{"text":"Do you still have time for your review today?","start":23.335,"end":25.515,"sentiment":"neutral","sentiment_score":0.009482907234794564}],"sentiment":"neutral","sentiment_score":0.009482907234794564,"channel":0,"num_words":9,"start":23.335,"end":25.515},{"sentences":[{"text":"Yeah.","start":25.800001,"end":26.04,"sentiment":"neutral","sentiment_score":0.029234398156404495},{"text":"Yeah.","start":26.04,"end":26.2,"sentiment":"neutral","sentiment_score":0.035192012786865234},{"text":"Yeah.","start":26.2,"end":26.36,"sentiment":"neutral","sentiment_score":0.038834378123283386},{"text":"Yeah.","start":26.36,"end":26.52,"sentiment":"neutral","sentiment_score":0.05180441588163376},{"text":"I have the same for my review.","start":26.52,"end":28.44,"sentiment":"neutral","sentiment_score":0.0597526164991515}],"sentiment":"neutral","sentiment_score":0.052121229131113396,"channel":1,"num_words":11,"start":25.800001,"end":28.44},{"sentences":[{"text":"Yes.","start":28.44,"end":28.94,"sentiment":"neutral","sentiment_score":0.22992148995399475}],"sentiment":"neutral","sentiment_score":0.22992148995399475,"channel":1,"num_words":1,"start":28.44,"end":28.94},{"sentences":[{"text":"Amazing.","start":29.35,"end":29.85,"sentiment":"positive","sentiment_score":0.476904034614563},{"text":"Mate, I'm gonna pop this through to your email address.","start":30.07,"end":32.81,"sentiment":"neutral","sentiment_score":0.1945643901824951},{"text":"Will you","start":33.27,"end":33.59,"sentiment":"neutral","sentiment_score":0.06624454446136951}],"sentiment":"neutral","sentiment_score":0.19654130964325026,"channel":0,"num_words":13,"start":29.35,"end":33.59},{"sentences":[{"text":"Yep.","start":33.48,"end":33.98,"sentiment":"neutral","sentiment_score":0.07395008206367493}],"sentiment":"neutral","sentiment_score":0.07395008206367493,"channel":1,"num_words":1,"start":33.48,"end":33.98},{"sentences":[{"text":"be able to look on to the documents with me, or do you want me to just explain what's there?","start":33.59,"end":37.37,"sentiment":"neutral","sentiment_score":0.07883089315146208}],"sentiment":"neutral","sentiment_score":0.07883089315146208,"channel":0,"num_words":20,"start":33.59,"end":37.37},{"sentences":[{"text":"You just explain through it because, you know, I'm, like, I won't be able to go through it.","start":36.935,"end":41.415,"sentiment":"neutral","sentiment_score":0.024528374895453453},{"text":"You know what I mean?","start":41.415,"end":42.395,"sentiment":"neutral","sentiment_score":0.010948827862739563}],"sentiment":"neutral","sentiment_score":0.021576299453559128,"channel":1,"num_words":23,"start":36.935,"end":42.395},{"sentences":[{"text":"Yeah.","start":42.565,"end":42.805,"sentiment":"neutral","sentiment_score":0.06770668923854828},{"text":"That's fine.","start":42.805,"end":43.445,"sentiment":"neutral","sentiment_score":0.16111333668231964},{"text":"I'll walk you through it, and you can have a look later.","start":43.445,"end":45.545,"sentiment":"neutral","sentiment_score":0.17147731905182204}],"sentiment":"neutral","sentiment_score":0.1631774127483368,"channel":0,"num_words":15,"start":42.565,"end":45.545},{"sentences":[{"text":"Yep.","start":45.895,"end":46.215,"sentiment":"neutral","sentiment_score":0.07903023064136505},{"text":"Yep.","start":46.215,"end":46.715,"sentiment":"neutral","sentiment_score":0.07044631242752075}],"sentiment":"neutral","sentiment_score":0.0747382715344429,"channel":1,"num_words":2,"start":45.895,"end":46.715},{"sentences":[{"text":"I'm just gonna double check security, mate, if you can please confirm date of birth and address for me.","start":46.245,"end":50.94,"sentiment":"neutral","sentiment_score":0.09808818054826636}],"sentiment":"neutral","sentiment_score":0.09808818054826636,"channel":0,"num_words":19,"start":46.245,"end":50.94},{"sentences":[{"text":"My name you know, a new a new baby.","start":51.75,"end":56.07,"sentiment":"neutral","sentiment_score":0.11447165161371231},{"text":"May 17.","start":56.07,"end":59.61,"sentiment":"neutral","sentiment_score":0.07429641485214233}],"sentiment":"neutral","sentiment_score":0.10716706311160867,"channel":1,"num_words":11,"start":51.75,"end":59.61},{"sentences":[{"text":"Fantastic.","start":60.219997,"end":60.719997,"sentiment":"positive","sentiment_score":0.4520646929740906},{"text":"Thank you for that, mate.","start":60.86,"end":62.059998,"sentiment":"positive","sentiment_score":0.5012390315532684},{"text":"So what's coming through to you just in that email will be the, like, service agreement, financial services guide, updated license info, privacy","start":62.059998,"end":71.604996,"sentiment":"neutral","sentiment_score":0.18160301576489987}],"sentiment":"neutral","sentiment_score":0.24603893839079757,"channel":0,"num_words":29,"start":60.219997,"end":71.604996},{"sentences":[{"text":"Yep.","start":71.585,"end":72.085,"sentiment":"neutral","sentiment_score":0.08455159515142441}],"sentiment":"neutral","sentiment_score":0.08455159515142441,"channel":1,"num_words":1,"start":71.585,"end":72.085},{"sentences":[{"text":"policy from us, performance details, and a little bit of a snapshot.","start":71.66499,"end":75.524994,"sentiment":"neutral","sentiment_score":0.13406815628210703}],"sentiment":"neutral","sentiment_score":0.13406815628210703,"channel":0,"num_words":12,"start":71.66499,"end":75.524994},{"sentences":[{"text":"Yep.","start":75.665,"end":75.905,"sentiment":"neutral","sentiment_score":0.06404510140419006},{"text":"Yep.","start":75.905,"end":76.405,"sentiment":"neutral","sentiment_score":0.0954105705022812}],"sentiment":"neutral","sentiment_score":0.07972783595323563,"channel":1,"num_words":2,"start":75.665,"end":76.405},{"sentences":[{"text":"Cool.","start":76.945,"end":77.445,"sentiment":"neutral","sentiment_score":0.16621340811252594},{"text":"Mate, so anything in particular you want to focus with on this review?","start":77.825,"end":81.42,"sentiment":"neutral","sentiment_score":0.07699179706665185}],"sentiment":"neutral","sentiment_score":0.0833647692842143,"channel":0,"num_words":14,"start":76.945,"end":81.42},{"sentences":[{"text":"And what's my balance?","start":83.439995,"end":85.28,"sentiment":"neutral","sentiment_score":0.022278616204857826},{"text":"You know, how did my super perform?","start":85.28,"end":87.759995,"sentiment":"neutral","sentiment_score":0.004140226968697139},{"text":"Did I lose money or gain money?","start":87.759995,"end":89.28,"sentiment":"neutral","sentiment_score":-0.051455299236944745},{"text":"You know what I mean?","start":89.28,"end":90.34,"sentiment":"neutral","sentiment_score":-0.024861370399594306}],"sentiment":"neutral","sentiment_score":-0.015930343176359715,"channel":1,"num_words":23,"start":83.439995,"end":90.34},{"sentences":[{"text":"Well, I wanted to go through that with you today because it's a bit flat at the moment.","start":90.775,"end":94.314995,"sentiment":"neutral","sentiment_score":-0.16388348365823427}],"sentiment":"neutral","sentiment_score":-0.16388348365823427,"channel":0,"num_words":18,"start":90.775,"end":94.314995},{"sentences":[{"text":"Yep.","start":94.744995,"end":95.244995,"sentiment":"neutral","sentiment_score":-0.08747109025716782}],"sentiment":"neutral","sentiment_score":-0.08747109025716782,"channel":1,"num_words":1,"start":94.744995,"end":95.244995},{"sentences":[{"text":"Market kind of took a bit of a tumble in March.","start":95.015,"end":97.354996,"sentiment":"neutral","sentiment_score":-0.14418850703672928},{"text":"So I'll start off with the super, and then I'll update your details.","start":97.415,"end":100.134995,"sentiment":"neutral","sentiment_score":0.012454684967031846},{"text":"Is that okay?","start":100.134995,"end":100.955,"sentiment":"neutral","sentiment_score":0.015914101153612137}],"sentiment":"neutral","sentiment_score":-0.05097853219895451,"channel":0,"num_words":27,"start":95.015,"end":100.955},{"sentences":[{"text":"Yeah.","start":101.145,"end":101.385,"sentiment":"neutral","sentiment_score":0.25121134519577026},{"text":"That's fine.","start":101.385,"end":101.945,"sentiment":"positive","sentiment_score":0.42229075729846954},{"text":"Yep.","start":101.945,"end":102.445,"sentiment":"positive","sentiment_score":0.34858831763267517}],"sentiment":"positive","sentiment_score":0.36109529435634613,"channel":1,"num_words":4,"start":101.145,"end":102.445},{"sentences":[{"text":"Perfect.","start":102.295,"end":102.795,"sentiment":"positive","sentiment_score":0.6247515678405762},{"text":"So let me grab today's 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second.","start":109.24,"end":109.9,"sentiment":"neutral","sentiment_score":0.038787756115198135}],"sentiment":"neutral","sentiment_score":0.05590191781520844,"channel":1,"num_words":5,"start":108.44,"end":109.9},{"sentences":[{"text":"Right.","start":110.98,"end":111.14,"sentiment":"neutral","sentiment_score":0.09453926980495451},{"text":"No worries.","start":111.14,"end":111.880005,"sentiment":"neutral","sentiment_score":0.15135930478572845}],"sentiment":"neutral","sentiment_score":0.1324192931254705,"channel":0,"num_words":3,"start":110.98,"end":111.880005},{"sentences":[{"text":"Yep.","start":111.799995,"end":112.299995,"sentiment":"neutral","sentiment_score":0.18351547420024872},{"text":"Go for it.","start":112.44,"end":113.26,"sentiment":"neutral","sentiment_score":0.3159166971842448}],"sentiment":"neutral","sentiment_score":0.2828163914382458,"channel":1,"num_words":4,"start":111.799995,"end":113.26},{"sentences":[{"text":"We've got a $106,001.90.","start":115.380005,"end":118.200005,"sentiment":"neutral","sentiment_score":0.0975693017244339}],"sentiment":"neutral","sentiment_score":0.0975693017244339,"channel":0,"num_words":4,"start":115.380005,"end":118.200005},{"sentences":[{"text":"So it's gone down here.","start":120.255,"end":121.715,"sentiment":"neutral","sentiment_score":-0.03857338204979897}],"sentiment":"neutral","sentiment_score":-0.03857338204979897,"channel":1,"num_words":5,"start":120.255,"end":121.715},{"sentences":[{"text":"Now it's gone about the same.","start":122.515,"end":124.355,"sentiment":"neutral","sentiment_score":-0.11216225723425548},{"text":"So from last year, it was sitting down about one zero six, one zero eight.","start":124.355,"end":128.435,"sentiment":"neutral","sentiment_score":-0.16649024536212284},{"text":"It keeps jumping up and down around the same amount.","start":128.435,"end":130.775,"sentiment":"neutral","sentiment_score":-0.2767638057470322},{"text":"So what I'm having a look at here with the super, we'll talk about contributions in a second, but all of the investment options that you've got, most of them went up really you've got eight.","start":135.48,"end":146.06,"sentiment":"neutral","sentiment_score":-0.00619298354205158},{"text":"Seven of them went up really, really high.","start":146.88501,"end":148.74501,"sentiment":"neutral","sentiment_score":0.06718889810144901}],"sentiment":"neutral","sentiment_score":-0.07497868672013283,"channel":0,"num_words":75,"start":122.515,"end":148.74501},{"sentences":[{"text":"Gold's up.","start":148.96501,"end":149.845,"sentiment":"neutral","sentiment_score":0.09010697156190872},{"text":"American shares are up.","start":149.845,"end":151.205,"sentiment":"neutral","sentiment_score":0.043337972834706306},{"text":"You've got one option there, Ben Long Australian shares that went down, and that's kind of kept everything flat this 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ones because they're doing pretty well, but I wanna change that one out if you're okay with that.","start":174.875,"end":181.455,"sentiment":"neutral","sentiment_score":-0.11633636562951974}],"sentiment":"neutral","sentiment_score":-0.07367023881912853,"channel":0,"num_words":48,"start":168.7,"end":181.455},{"sentences":[{"text":"No.","start":183.225,"end":183.385,"sentiment":"neutral","sentiment_score":-0.11309979856014252},{"text":"But, you know, like, usually Super perform, you know, like my Super is 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second.","start":232.545,"end":234.405,"sentiment":"neutral","sentiment_score":-0.08797451357046764}],"sentiment":"neutral","sentiment_score":-0.11310521174560893,"channel":1,"num_words":11,"start":231.345,"end":234.405},{"sentences":[{"text":"No worries.","start":236.07999,"end":236.65999,"sentiment":"neutral","sentiment_score":-0.002909565344452858}],"sentiment":"neutral","sentiment_score":-0.002909565344452858,"channel":0,"num_words":2,"start":236.07999,"end":236.65999},{"sentences":[{"text":"So The I technically speaking, you know, my $100,000 made only $44.","start":244.465,"end":250.48001,"sentiment":"neutral","sentiment_score":-0.07855480660994847},{"text":"This is not even $4.","start":250.54001,"end":252.48001,"sentiment":"neutral","sentiment_score":-0.17834562957286834}],"sentiment":"neutral","sentiment_score":-0.10790504865786608,"channel":1,"num_words":17,"start":244.465,"end":252.48001},{"sentences":[{"text":"Yeah.","start":253.21501,"end":253.535,"sentiment":"neutral","sentiment_score":-0.007766786962747574},{"text":"That's right.","start":253.535,"end":254.27501,"sentiment":"neutral","sentiment_score":0.08819418959319592}],"sentiment":"neutral","sentiment_score":0.05620719740788142,"channel":0,"num_words":3,"start":253.21501,"end":254.27501},{"sentences":[{"text":"It should make $10 minimum.","start":256.78,"end":258.48,"sentiment":"neutral","sentiment_score":0.07292049676179886}],"sentiment":"neutral","sentiment_score":0.07292049676179886,"channel":1,"num_words":5,"start":256.78,"end":258.48},{"sentences":[{"text":"Every So in ten years, it should make way more than $4 every year, but in ten years, two years, it's gonna go down a bit.","start":260.495,"end":271.46,"sentiment":"neutral","sentiment_score":-0.1788602854626683},{"text":"Do you remember we were talking last year about what what's gonna happen if the market goes down, stock market, that kind of thing?","start":276.095,"end":282.01498,"sentiment":"neutral","sentiment_score":-0.23310377883414427},{"text":"And you were saying, oh, not too bad if it goes down a little bit, but you don't obviously wanna lose half your super kind of thing.","start":282.01498,"end":288.84,"sentiment":"neutral","sentiment_score":-0.30491499326847216},{"text":"Oh, I know you're still there, mate?","start":297.63998,"end":299.18,"sentiment":"neutral","sentiment_score":-0.07153573352843523}],"sentiment":"neutral","sentiment_score":-0.2259322984166266,"channel":0,"num_words":84,"start":260.495,"end":299.18},{"sentences":[{"text":"Okay.","start":298.725,"end":299.20502,"sentiment":"neutral","sentiment_score":0.009983092546463013},{"text":"Probably you guys made more money than what I made with my money.","start":299.20502,"end":302.345,"sentiment":"neutral","sentiment_score":-0.042154457133549914}],"sentiment":"neutral","sentiment_score":-0.038430346442120414,"channel":1,"num_words":14,"start":298.725,"end":302.345},{"sentences":[{"text":"That's one way to look at it.","start":304.855,"end":306.475,"sentiment":"neutral","sentiment_score":0.008210977539420128},{"text":"But my job is to, every year, fix it with you if something goes wrong, and that's what I wanna talk to you about if that's okay.","start":306.935,"end":313.83502,"sentiment":"neutral","sentiment_score":0.005357740084744162},{"text":"Because we can't make money every year, but I wanna make sure that you're in the best options, best ones over ten years.","start":317.65002,"end":325.11002,"sentiment":"neutral","sentiment_score":0.0344780056696871},{"text":"But, obviously, I can't control the bombs going off and things like that.","start":325.33002,"end":329.445,"sentiment":"neutral","sentiment_score":-0.2650425061583519},{"text":"That's not an excuse.","start":330.385,"end":331.525,"sentiment":"neutral","sentiment_score":-0.1542833410203457}],"sentiment":"neutral","sentiment_score":-0.04145345930639353,"channel":0,"num_words":74,"start":304.855,"end":331.525},{"sentences":[{"text":"But for that one option, I do have something to change it into that I wanted to run by you.","start":332.305,"end":338.005,"sentiment":"neutral","sentiment_score":0.06117310263216495}],"sentiment":"neutral","sentiment_score":0.06117310263216495,"channel":0,"num_words":20,"start":332.305,"end":338.005},{"sentences":[{"text":"Look.","start":338.3,"end":338.8,"sentiment":"neutral","sentiment_score":0.06235384568572045},{"text":"Give me a callback in ten minutes if you can.","start":338.86,"end":341.41998,"sentiment":"neutral","sentiment_score":0.053917668759822845},{"text":"If not, you know, like, I'll give you a callback, you know, just just put something happening right now.","start":341.41998,"end":347.19998,"sentiment":"neutral","sentiment_score":-0.015474283773648111},{"text":"You know, like, just give me give me five minutes, bro.","start":347.705,"end":350.54498,"sentiment":"neutral","sentiment_score":0.027244665744629772},{"text":"I'll call you back in this number.","start":350.54498,"end":351.705,"sentiment":"neutral","sentiment_score":0.028675483805792674}],"sentiment":"neutral","sentiment_score":0.016832059404502313,"channel":1,"num_words":48,"start":338.3,"end":351.705},{"sentences":[{"text":"Is that okay?","start":351.705,"end":352.525,"sentiment":"neutral","sentiment_score":0.04560675844550133}],"sentiment":"neutral","sentiment_score":0.04560675844550133,"channel":1,"num_words":3,"start":351.705,"end":352.525},{"sentences":[{"text":"Yeah.","start":352.655,"end":352.895,"sentiment":"neutral","sentiment_score":0.05213489383459091},{"text":"No.","start":352.895,"end":353.135,"sentiment":"neutral","sentiment_score":0.044664546847343445},{"text":"That's perfect, mate.","start":353.135,"end":353.775,"sentiment":"positive","sentiment_score":0.3521524866422017},{"text":"Just do the 1300 number.","start":353.775,"end":355.055,"sentiment":"neutral","sentiment_score":0.10582965202629566},{"text":"Ten minutes, I'll be here.","start":355.055,"end":356.435,"sentiment":"neutral","sentiment_score":0.22871786952018738}],"sentiment":"neutral","sentiment_score":0.18839963388939698,"channel":0,"num_words":15,"start":352.655,"end":356.435},{"sentences":[{"text":"Awesome.","start":357.145,"end":357.645,"sentiment":"positive","sentiment_score":0.8761018514633179}],"sentiment":"positive","sentiment_score":0.8761018514633179,"channel":1,"num_words":1,"start":357.145,"end":357.645},{"sentences":[{"text":"Thank you, mate.","start":358.655,"end":359.215,"sentiment":"positive","sentiment_score":0.8541697462399801},{"text":"Talk soon.","start":359.215,"end":359.955,"sentiment":"positive","sentiment_score":0.6085212826728821}],"sentiment":"positive","sentiment_score":0.7559103608131409,"channel":0,"num_words":5,"start":358.655,"end":359.955},{"sentences":[{"text":"Thank you.","start":359.625,"end":360.105,"sentiment":"positive","sentiment_score":0.7568964660167694},{"text":"Thank you.","start":360.105,"end":360.515,"sentiment":"positive","sentiment_score":0.7158679366111755},{"text":"Bye.","start":360.515,"end":361.015,"sentiment":"neutral","sentiment_score":-0.08429639041423798}],"sentiment":"positive","sentiment_score":0.5722464829683304,"channel":1,"num_words":5,"start":359.625,"end":361.015}]},"summary":{"result":"success","short":"The speaker, Tommy, is speaking to a senior adviser from Oakview, Anu, about a annual review pack. He confirms personal information and updates the account with the retirement of a member. Tommy discusses the risk of losing money and suggests changing the retirement option. He asks the adviser to call him back in ten minutes to discuss the options."},"intents":{"segments":[{"text":"So I'll start off with the super, and then I'll update your details. Is that okay?","start_word":307,"end_word":322,"intents":[{"intent":"Update details and provide updates","confidence_score":0.00035851038}]},{"text":"Five years, ten years is looking good, but I do need to make a change to it if you're okay for me to put that in a document and show you.","start_word":640,"end_word":670,"intents":[{"intent":"Make a change","confidence_score":0.114424765}]},{"text":"Give me a callback in ten minutes if you can. If not, you know, like, I'll give you a callback, you know, just just put something happening right now. You know, like, just give me give me five minutes, bro. I'll call you back in this number. Is that okay? Yeah.","start_word":901,"end_word":951,"intents":[{"intent":"Get a callback","confidence_score":0.047757458}]}]},"sentiments":{"segments":[{"text":"Hello? Anu, it's Tommy here, senior adviser from Oakview, mate. How are you doing? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.08643396198749542},{"text":"Good, man. How are you? Living the dream, and fantastic to be talking to you again today, sir.","start_word":15,"end_word":32,"sentiment":"positive","sentiment_score":0.6678693294525146},{"text":"Yeah.","start_word":33,"end_word":33,"sentiment":"neutral","sentiment_score":0.331498384475708},{"text":"Good good to talk to you too, bro.","start_word":34,"end_word":41,"sentiment":"positive","sentiment_score":0.5033225417137146},{"text":"Mate, I'm just got this annual review pack to send through to you and a couple of details to update. Do you still have time Yes. for today? Sorry? Do you still have time for your review today? Yeah. Yeah. Yeah. Yeah. I have the same for my review. Yes.","start_word":42,"end_word":91,"sentiment":"neutral","sentiment_score":0.06490562111139297},{"text":"Amazing.","start_word":92,"end_word":92,"sentiment":"positive","sentiment_score":0.476904034614563},{"text":"Mate, I'm gonna pop this through to your email address. Will you Yep. be able to look on to the documents with me, or do you want me to just explain what's there? You just explain through it because, you know, I'm, like, I won't be able to go through it. You know what I mean? Yeah. That's fine. I'll walk you through it, and you can have a look later. Yep. Yep. I'm just gonna double check security, mate, if you can please confirm date of birth and address for me. My name you know, a new a new baby. May 17. Fantastic.","start_word":93,"end_word":196,"sentiment":"neutral","sentiment_score":0.10231708735227583},{"text":"Thank you for that, mate.","start_word":197,"end_word":201,"sentiment":"positive","sentiment_score":0.49602365493774414},{"text":"So what's coming through to you just in that email will be the, like, service agreement, financial services guide, updated license info, privacy Yep. policy from us, performance details, and a little bit of a snapshot. Yep. Yep. Cool. Mate, so anything in particular you want to focus with on this review? And what's my balance? You know, how did my super perform? Did I lose money or gain money? You know what I mean? Well, I wanted to go through that with you today because it's a bit flat at the moment. Yep. Market kind of took a bit of a tumble in March. So I'll start off with the super, and then I'll update your details. Is that okay? Yeah.","start_word":202,"end_word":323,"sentiment":"neutral","sentiment_score":0.02518969899440398},{"text":"That's fine. Yep. Perfect.","start_word":324,"end_word":327,"sentiment":"positive","sentiment_score":0.44567734003067017},{"text":"So let me grab today's balance Yes. for you. One second, buddy. One second. Right. No worries. Yep. Go for it. We've got a $106,001.90. So it's gone down here. Now it's gone about the same. So from last year, it was sitting down about one zero six, one zero eight. It keeps jumping up and down around the same amount. So what I'm having a look at here with the super, we'll talk about contributions in a second, but all of the investment options that you've got, most of them went up really you've got eight. Seven of them went up really, really high. Gold's up. American shares are up. You've got one option there, Ben Long Australian shares that went down, and that's kind of kept everything flat this year. So from the 10% you got last year, it's sitting at about 0% for the twelve months. Yeah. How come you K. didn't try to change the investment? So that's all happening right now, and that's what I wanted to talk to you about is changing that one. I don't think we need to change all the other ones because they're doing pretty well, but I wanna change that one out if you're okay with that. No. But, you know, like, usually Super perform, you know, like my Super is monitored. Right? Yes. Yep. I keep an eye on And it. yeah. The other other super is, you know, just performing in, like, a 9% thing like that. And this is not even perform 4%. Yeah. Correct. So the high risk is kind of making it go up thirty percent one year and then back down flat the next year kind of thing.","start_word":328,"end_word":612,"sentiment":"neutral","sentiment_score":-0.07586202025413513},{"text":"You're in a very high risk. I think it's not working at the moment.","start_word":613,"end_word":626,"sentiment":"negative","sentiment_score":-0.5118304491043091},{"text":"So what I can do is I mean, long term is fine. Five years, ten years is looking good, but I do need to make a change to it if you're okay for me to put that in a document and show you. You wait a second, man. You know, like wait a second. No worries. So The I technically speaking, you know, my $100,000 made only $44. This is not even $4. Yeah. That's right. It should make $10 minimum. Every So in ten years, it should make way more than $4 every year, but in ten years, two years, it's gonna go down a bit. Do you remember we were talking last year about what what's gonna happen if the market goes down, stock market, that kind of thing? And you were saying, oh, not too bad if it goes down a little bit, but you don't obviously wanna lose half your super kind of thing. Oh, I know you're still there, mate? Okay. Probably you guys made more money than what I made with my money. That's one way to look at it. But my job is to, every year, fix it with you if something goes wrong, and that's what I wanna talk to you about if that's okay. Because we can't make money every year, but I wanna make sure that you're in the best options, best ones over ten years. But, obviously, I can't control the bombs going off and things like that. That's not an excuse. But for that one option, I do have something to change it into that I wanted to run by you. Look. Give me a callback in ten minutes if you can. If not, you know, like, I'll give you a callback, you know, just just put something happening right now. You know, like, just give me give me five minutes, bro. I'll call you back in this number. Is that okay? Yeah. No.","start_word":627,"end_word":952,"sentiment":"neutral","sentiment_score":-0.08195047752440342},{"text":"That's perfect, mate.","start_word":953,"end_word":955,"sentiment":"positive","sentiment_score":0.3518636226654053},{"text":"Just do the 1300 number. Ten minutes, I'll be here.","start_word":956,"end_word":965,"sentiment":"neutral","sentiment_score":0.169999361038208},{"text":"Awesome. Thank you, mate. Talk soon. Thank you. Thank you. Bye.","start_word":966,"end_word":976,"sentiment":"positive","sentiment_score":0.7161837816238403}],"average":{"sentiment":"neutral","sentiment_score":0.0005952295540385163}}}}