{"metadata":{"transaction_key":"deprecated","request_id":"4ec0d1ce-6c66-4a26-8277-8504c7aaeab5","sha256":"d9d891ce020a51fe0bac35c326dabba5771864e87e411b2595c4490d1610f2ea","created":"2026-03-24T03:52:25.941Z","duration":2052.2878,"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":6692,"output_tokens":118},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7332,"output_tokens":7346},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7332,"output_tokens":512}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon. This is Adam. This is Veronica from OC Financial. How are you this afternoon? Not good. I'm well as well. I had you booked in to complete your under review. Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy? Oh, that's that's nice. Now just before I do kind of jump in through that interview, I do like to start by asking if there is anything specific that you are hoping to get out of this review today or any areas you would like to kind of go through in a bit more detail or whether it's just just a bit of a catch up to see kind of what's happened in the last twelve months? No no problem. And how's the last twelve months kind of been for you? Any any changes or anything to your circumstances? Nope? Okay. No. That's okay. Sometimes it's hard to remember as well. What I will do, though, is I will just quickly run through a bit of a fact line just to see if there is anything that has changed that might need us to make any changes to your advice. So bear with me as I go through this, and I'll try to go through it as quickly as I can for you. Now with your personal information, I have you down here as married with true financial dependent. Is that still the case? Yep. Perfect. And I do have here next of Ken, Elizabeth. Yep. Perfect. I have phone number ending in 135. Is that still the case? Perfect. Now when it comes to your employment, has any of that changed in the last twelve months? Same cop still doing the site supervisor plumbing? Yeah. Perfect. Now I do have here income of around 134,956. Is that still the case, or do you know if that's changed? Oh, nice. Do you know what it's changing to? Yeah. No. That's okay. But for now, it's still that 134? Yep. Perfect. Now when it comes to bills and expenses, I have here that most most of the income goes through bills and stuff. You aren't really saving anything on a regular basis. Yeah. How much do you guys, I guess, on average, try to put aside? Obviously, obviously, it depends on bills and expenses and everything, but if you were to say an average. Yep. No. That's okay. And your employer, they still pay you just that 12% employer contribution? Yes. Yeah. Perfect. So just kind of like you don't have an enterprise login agreement or anything. You do? Okay. Yeah. Okay. Okay. And it still gives you obviously choice of super and everything like that. It's just a couple of extra benefits. Yeah. Yeah. Yeah. Perfect. Otherwise, you are not making any additional contributions into super, just that from your employer. Yeah. Perfect. Now asset and liabilities wise, I have here that your main property was last valued at about 1,800,000.0. Is that still the case, or has that gone up a little bit? Do you know? Around the same. Alright. Perfect. I do have here mortgage of around 800 and 9,788. Yeah. How much do you reckon? If it was around 8 or yeah. Perfect. That'd be great. Yep. And while you do look for it, do you still have the huge the virus valued at about 55? Yep. Perfect. And you didn't have anything owing on that one? Not cool. Also tools of about 3,000? Yep. Do you have any other new assets otherwise in the last kind of twelve months? Any motorbikes or boats or anything else? Nah. Perfect. And any other liabilities? Personal loans, credit cards, ZIP pay? No. Perfect. And have you ever been declared bankrupt or been under a part nine debt agreement? Alright. Perfect. Were you able to access the the mortgage, or is it a bit tricky? Yeah. No. That's okay. Are you happy for me to just kind of keep going in the meantime? Yeah. Yeah. Alright. Perfect. Health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Perfect. Any changes to your health in the last twelve months? No. Perfect. 809,788. Yep. 563. Great. Perfect. I will update that. Thank you so much for getting that. Otherwise, when it comes to estate planning, do you have a will in place? No. No. That's okay. And are you politically involved at all or on any income overseas? That's perfect. When it comes to your beneficiary nominations, so in the event that something happens to you, I have Elizabeth nominated at a 100%. Is that still correct? Yep. Perfect. And, I guess, otherwise, kind of goals that you are working towards in the next twelve months. Last time we spoke, your main focus was to save a bit of money and do some house renovation. Try to do a little bit of that. That's okay. Otherwise, a bit more medium to long term. We're looking at maybe buying an investment property and buy a new car. Is that still kind of the plans as well? Yeah? Do you have any other, like, new goals that you are working through in the next twelve months financially or nonfinancially at all? That's the main thing? Okay. Perfect. Now the next thing I do wanna quickly run over with you, Adam, it's just a bit of an updated risk profile, and that is just simply to see if we need to make any changes to your investment portfolio within your superannuation. So there is no right or wrong answer. It's just whatever you feel is the most appropriate for you. And if it doesn't make sense, just let me know. Now have you ever bought direct shares yourself? No. Perfect. Next is in regards to inflation. So inflation means that things are getting more expensive over time, kind of making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to try to keep up with the rising prices when it comes to your superannuation? Would you say very high risk, high, moderate, or a small amount of risk in order to try to keep up pace with inflation? Yeah. A bit medium or low? Okay. Perfect. And how would you feel about volatility? So if, let's say, six months after placing an investment, you found out that your portfolio has decreased by 20% due to general trends in their financial market. Now would you try to take advantage of that? I think that now is potentially a good time to invest a little bit more while the prices are down, or would you kind of hold, wait to see what happens, Or would you want to shift through a more secure asset, but that means then you are then selling when the prices have already dropped? It's a bit tricky because, obviously, it depends on what's going on. So exactly. Would you say kind of somewhere in the middle, hold and wait to see what happens, and then maybe sometimes invest a little bit, sometimes sell out depending on, I guess, forecasting and stuff like that. Yep. Yep. Okay. Next up is in regards to fluctuations in superannuation. So have you ever noticed your superannuation obviously fall in value? Obviously, what's going on in the world the last twelve months? We have seen a lot of fluctuations in in in the market and in the world. And then, obviously, going back to COVID as well, we did see, you know, a bit of fluctuation and stuff then as well. If you did notice your superannuation, you know, full in value, how would that make you feel? Would you stay optimistic about potential future investment opportunities? A bit more, you know, neutral, not making further investments, or you think that would make you feel quite concerned or anxious? The middle? Perfect. So kind of a bit new. Yeah. Yes. Yeah. No. Definitely. Then there might be a bit more of a structural issue. Obviously, things do fluctuate short term, especially if you are in, you know, your high growth portfolio. It is kind of what you see and expect through periods of time. But, obviously, if that goes on for a prolonged period of time, then, you know, there might need to be more drastic changes to be made. Yep. And last one here, Adam, is have you ever considered taking out a loan to invest in stocks or funds? No. Would you ever consider taking out a loan to buy an investment property? Yep. Okay. Now that tells me here that you have come out as a growth investor. And at the moment, we have you invested in a high growth portfolio. So do you know the difference between those two at all? Yeah. How would you describe it to me? Putting you on the spot. Yep. Mhmm. Mhmm. You are on the right path, though. Like, you your the concept is definitely there. And, you know, if if we do think typically between a high growth and growth, obviously, the focus still to maximize growth into your preannuation while you do have, you know, plenty of time until you do retire. And in both scenarios, you are, you know, prepared to experience a level of fluctuation in order to kind of grow your super long term. The difference between them typically is that in a high growth portfolio, that is how you are currently invested, we see about 90% of the funds invested in growth assets. So that will be things like Australian shares, international shares, property, and commodity. And that is what's going to maximize those return for you and only about 10% in your defensive investment. So that will be, like, your cash, your gold, your fixed interest, for example. So they're in the fluctuations a little bit. Now in a growth portfolio, it's about a 10% difference. So you have 80% in your growth and 20 in defensive. Typically, in a high growth, you would see higher fluctuations short term, but long term, you can see higher returns as as a result. Growth, obviously, you see slightly less fluctuations, but you can obviously have a little bit less growth in the returns as well. Looking at a time frame point of view, so making sure that you have enough time in the market for those fluctuations. In a high growth, we wanna allow a minimum of eight years until retirement to make sure you have enough time in the market. Growth, we say minimum six years. How do you feel at the moment? Do you feel that you are comfortable taking on a little bit more high growth to get that growth long term? Are you feeling a little bit more risk advanced? Would you like to change it? What do you think? Yeah. It's ultimately, up yeah. Ultimately, it's kind of up through what you are comfortable with. So from a time frame point of view, you do have plenty of time until retirement. So we typically see, you know, a lot of clients in your age around a high growth, if not even more, because you have the time. But at the same time, you also then play in with your risk tolerance. But if you see a lot of fluctuations and if you have, you know, a year or so where it is down, if that's going to make you quite concerned, we could look at changing up. The only thing is by changing it, it will mean that, obviously, you would sell down some investments, so that can be a little bit of capital gains tax. With it, we obviously try to minimize that by looking at swapping a few things out to minimize it, and it is more of your your long term investment. So, typically, if we are decreasing it, which we're more than happy to do if you are comp if you would prefer, It is something that you ideally want to leave for a longer period of time. So it's not typically something you want to do each year. You wanna unless you you get to a point where you are getting close to retirement, then we do wanna, you know, gradually take it down the rest. Yeah? Are you sure? Okay. Yeah. Okay. Perfect. And kind of like we touched on already as well that, you know, in a high growth portfolio, typically, the likelihood of a negative return, now that is obviously you don't know what's going to happen in the world, or the market, we see about one in every five years. So during, obviously, their investing period, there's going to be times like now, for example, where we've seen a lot more changes, and things aren't obviously growing as much. But then with how your investments are invested as well, it will grow long term. Now if we obviously see that there are some of those investments that need to be structurally changed, then we can still do so. And I do wanna kind of go through the investments a little bit with you, and there is one that I'm would like to swap out for you if you're happy to do so. But, otherwise, we'll leave high growth for now. Now if you wanna obviously revisit that at any point in time, if you don't feel comfortable, just give me a call or we can kind of reassess it at next under review. So given the time frame you have for the fluctuations, it's it's a suitable portfolio as long as, yeah, you are kind of comfortable with that. Yeah. Perfect. Now are you still driving, or do you have access to your emails? Okay. No. It's up to you. I have sent you an email with some documents. I quickly wanna run through it with you. The only reason I do ask if you have access to your emails is that it makes it a bit more interactive for you. But if you are happy for me to just kind of run through the documents while you're driving, then I'm happy to do so. And then when you you know, it's obviously safe for you to do so. And when you have some time, you can just have a look over them. And then if you have any questions, you can always give me a callback. Yeah. Yeah. Okay. Perfect. So have a look through your emails when you have a moment. Now we have just changed our software. So it's going to look a little bit different through the DocuSign that you are used through. It's still kind of the same, though, with the digital signature, but it will look a little bit different. So when you do get the email, before you click on the link, there are a couple of attachments. So these are all the attachments, just for your reference that you don't need to sign, but it's all there so you can have a look at it. So when you do have a look at it, you will see, the first one, which is your Vanguard index chart. Now you probably would have seen this last time, at your under review. It's a bit of an updated one, but it is a good one to to kind of give you a good visual representation of what we are talking about when we're talking about the market. Especially in kind of today's environment as well, it is good to kind of see that more long term picture. So when you do have a look at it, you will see that it goes back to 1995 and then all the ups and downs that's happened in the world since then until 2025. Now it also breaks down the different asset classes. So it breaks down your US shares, Australian shares, international shares, and property. Now these top four are your growth investments, like I mentioned earlier. And then you have your bottom three, which are your defensive. And when you do have a look at it, you will see that the the growth investments, these are the ones that have grown, significantly the most, but they also fluctuate the most in the short term. Now when you do have a look at it as well is that when you when you look at it, you will see that the biggest drops in the market are quite closely followed by big increases again. Typically speaking as well, obviously, we don't wanna sell out unless there is structural issues or we don't foresee anything coming back around. You wanna obviously avoid sometimes selling at the bottom because that's when you only crystallize the losses while you're selling at the bottom, and sometimes that's even a good buying opportunity for potentially buying a little bit cheaper as long as you obviously foresee that to come back around. So that Vandex index chart, it just kind of gives you a good visualization of that, essentially, Which then takes us through your portfolio. So part of it as well, you will see a twelve month report. Now this one here shows you all your all your investments, how they have performed over the last twelve months. Now everything is net of fees. So like I said, obviously, there's been a lot of fluctuations in the market over the last twelve months. So after after all fees have come out of your account, your portfolio and now this doesn't include contributions. That is just your investment. It has gone up by about 0.24%. So it's still gone up a little bit. Obviously, there has been a lot of fluctuations in the market like I mentioned. But one of the investments in your portfolio, which is the one that kind of underperformed the most, I would like to look at changing if you are happy to do so. So that is your Benelong Australian equity. So when you have a look at that, it's your top managed fund option when you look at this report. So it might look a little bit messy, but it's the Benelon Australian equity one. Now the reason is that when we originally added this to your portfolio when you came on board, it was doing really, really well. It was one of the top performing fund managers at the time, and they have done really well. Now the purpose of that investment was to try to investment in order to tryna outperform the market, which they had done really, really well at. But more recently, some of their, choices in the investments haven't performed as well. They've been a little bit slower with making changes as well. And, also, one of the other reasons why, that investment kind of underperformed a little bit was that one of the, kind of underperformed a little bit was that one of the companies that they had in their portfolio was the Corporate Travel Group. I'm not sure if you've heard of it. It was on the news and stuff like that as well. Corporate Travel Group. No. Essentially, it was a company where they weren't really disclosing their reporting correctly. So because of that, it actually caused a suspense from trading. And kind of because of that, obviously, the the investments fell. Now we've done a lot of investments on all your investments, and some of them are more your cyclical changes Where it's, for example, the beta share cybersecurity, which is one of your satellite investments, it's more of what is going on in the world. We still very much believe in that investment, so we then don't wanna sell out of those. But the Benelong one, we do see that because they're a bit of it slower in making those changes, and because it has that active component, they are a little bit more expensive. So the investment committee have done extensive research on all the investments and kind of come to the decision as well that we would like to swap it out because we don't foresee kind of increasing as much or be the best option moving forward. So because you are obviously selling out of an Australian investment, we have come up with another investment option to change it for, which is your a 200. So, again, it is including your Australian investment, but it is a little bit more simplified in that you are not actively trying to buy and sell investments. And instead, you're kind of tracking the 200 largest companies on the ASX or in Australia. So as a company kind of grows, they get included on it. As a company doesn't grow, don't do as well, it kind of falls off. So it's kind of a little bit more steady while still having the growth. And because of that, it is actually making the investments a little bit cheaper, and it has also performed a little bit better. Are you happy for us to go and make that change for you? Yeah. Okay. So what I will do just for your record so that you have it, I will get the team to email you. It's called a record of advice. You don't have to sign it. It's just for your records to indicate the the swap by Benelung Australian Equity to the a 200 just so you have it for your record. And we'll go ahead and make that change. Now, otherwise, when it comes through the documents, so almost finished, you will have a super insurance summary. That one basically shows you your current superannuation balance. So at the moment, it's at 137,701. And then you also have your Clearview insurances. So you have life and total permanent disability. Now that is 1,575,075 worth of that. And then you also have your income protection. Now your income protection is paying 6,000 sorry. My computer just froze for a moment. Just bear with me. Always like that with technology, isn't it? It's always when it doesn't work, and it's I think IT is doing something, but let me just try to get that up for you. It's great when it works, but when it has its moments, it's let me just try to close it down for you. Now while I wait for this to come back up, obviously, if you are expecting a bit of a a pay rise, there is a chance that, obviously, your income protection will be slightly underinsured. So, obviously because you can have up to 70% of your income covered. Would you like to look at increasing it, or are you still feel like the amount you are covered for will still kind of cover cover you? Because if we do increase it, it will get more expensive because you are covered for more, And we have to go through kind of the underwriting process again. But if you feel like it is slightly less at the moment and you want more, we can go down that path as well. It is up to you. Yep. And if it changes, obviously, when you do find out the pay rise, if it's kind of more than expected or if at any point in time you do change your mind, just give me a call again, and we can always run through it with you. Now my computer is still not really working, so I can't see the documents, but you will get email them, and you can have a look at it. And that basically just breaks down your income protection. It also shows you the total premium for all of them. And you don't pay for them out of pocket. It's all through your superannuation. Yep. Now some other documents you will see, you will see just an updated financial services guide for you. It's one of those compliance documents. It's just a bit of an updated version. We've had some changes to our marketing, which is great, and also a bit of an extension to the team. So if you wanna have a read over, those two, it's all in there for you. Again, just if you want to, but all the important information about us is in there. If you do have a read over it, I'm also there on page 10, I believe, in the big document if you do wanna put a face to the voice. Perfect. And the last thing is that when you then click on the link, it will just be asking you to sign through documents. Now that is your ongoing service agreement, which is just to say that you are happy to stay on as a client, and we can keep servicing you. But as with any time, it is not a lock in contract. So if at any point in time you are not happy, there is no lock in contract. But, otherwise, this essentially just lets us service you make these changes and everything for you, otherwise. And then and then the last thing is just a tax file number. It's just a compliance document, basically, to say that we do keep your tax file number secure on file. And that was essentially all those documents. Do you have any other questions for me, Adam? No? Perfect. There is one thing I do wanted to quickly check with you is that I know you've been speaking to my colleague, Jack, in regards to potentially do you know what that's about? Do you want to go down that and having a look at getting that back exclusion removed, or what are you what are you feeling? No? Okay. Just let me know if it does take I know it's a a tedious thing sometimes, and the insurer can be a bit particular with these things. They are obviously assessing risk. So it is a bit tedious to do If it is that we can get a back exclusion removed, it is always something I do strongly suggest because if something ever were to happen to you and you do have the back exclusion and you don't get covered, especially if there is a situation where you don't have any issues and you could be covered. So have a think about it. And if it is something you want to look at again, I yeah. Yeah. Because that's okay. Because what I can do otherwise yes. What I can do otherwise to make it easier for you, if you're happy, I can just quickly transfer you to Jack, and he can read you the questions and you can just verbalize them. And then he can just send it out to Sam. Or do you prefer to do okay. Okay. No. That's okay. Okay. No. That's fine. Take your yeah. Especially sometimes going back a long time can be can be hard to remember. So I will leave it with you then. If it changes or do you want Jack to resend you the questions or anything, or you have it? It's just a matter of a processing thing. Yeah. Yeah. Yeah. That's okay. Especially with insurance, it can be like that. So I will leave it with you. If you do have time, you wanna do it, just have a look through those questions and send it back to Jack, and then we can get that off to Clearview to look at getting that removed. But, obviously, do it do it in your own time. And then the last thing is just that ID we have on file has expired. So have you recently received, like, a new driver's license or anything? Yep. Cool. So what I'll get might get you to do is I'll actually get the team to send you an email. That way, to make it easy, if you can just respond when you have a moment just with a photo of the front and the back of the license, and we can just update that record for you. Yep. Perfect. Do you have any other questions for me, Adam, before I let you go? No? Okay. Perfect. So like I said, when you have a moment, have a look through the documents. Any questions, let me know. Otherwise, we just need you to sign those documents. I'll it'll get notified, and it'll come back to me, and I'll get that all authorized for you. And, also, keep a look at of that ROA just to for your reference to say that we have made that investment change for the Benelung investment for you. Yep. Perfect. Well, thank you so much for your time today, Adam. Hopefully, you have a lovely rest of your day. And if there's anything else that you do need, don't hesitate to give me a call. No problem at all. We'll speak soon. Okay. Bye.","confidence":0.9985279,"words":[{"word":"good","start":3.4399998,"end":3.76,"confidence":0.99863964,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.2362234592437744},{"word":"afternoon","start":3.76,"end":4.24,"confidence":0.9968635,"punctuated_word":"afternoon.","sentiment":"neutral","sentiment_score":0.21814429759979248},{"word":"this","start":4.24,"end":4.4,"confidence":0.65133786,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.19082841277122495},{"word":"is","start":4.4,"end":4.56,"confidence":0.99931824,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1759546399116516},{"word":"adam","start":4.56,"end":5.06,"confidence":0.97036994,"punctuated_word":"Adam.","sentiment":"neutral","sentiment_score":0.23034906387329104},{"word":"this","start":6.8799996,"end":7.2,"confidence":0.5943792,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.2313699722290039},{"word":"is","start":7.2,"end":7.3599997,"confidence":0.9944807,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15883246064186096},{"word":"veronica","start":7.3599997,"end":7.8399997,"confidence":0.967082,"punctuated_word":"Veronica","sentiment":"neutral","sentiment_score":0.17742809653282166},{"word":"from","start":7.8399997,"end":8.24,"confidence":0.9960788,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.16572222113609314},{"word":"oc","start":8.24,"end":8.559999,"confidence":0.25893533,"punctuated_word":"OC","sentiment":"neutral","sentiment_score":0.1763203740119934},{"word":"financial","start":8.559999,"end":9.059999,"confidence":0.98894966,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.15317045152187347},{"word":"how","start":9.12,"end":9.28,"confidence":0.99994016,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.1259634792804718},{"word":"are","start":9.28,"end":9.44,"confidence":0.9987853,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12224827706813812},{"word":"you","start":9.44,"end":9.599999,"confidence":0.99997246,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15343168377876282},{"word":"this","start":9.599999,"end":9.84,"confidence":0.9996599,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.15386150777339935},{"word":"afternoon","start":9.84,"end":10.34,"confidence":0.9999168,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.13399530947208405},{"word":"not","start":12.975,"end":13.215,"confidence":0.5645227,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.1901404857635498},{"word":"good","start":13.215,"end":13.615,"confidence":0.97147727,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.01050945371389389},{"word":"i'm","start":13.615,"end":13.935,"confidence":0.99960876,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1840878576040268},{"word":"well","start":13.935,"end":14.415,"confidence":0.99975747,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.13850247859954834},{"word":"as","start":14.415,"end":14.575001,"confidence":0.9937022,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07814338803291321},{"word":"well","start":14.575001,"end":15.075001,"confidence":0.99981177,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2307201474905014},{"word":"i","start":16.095001,"end":16.255001,"confidence":0.5247895,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2260434478521347},{"word":"had","start":16.255001,"end":16.495,"confidence":0.991088,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.18991456925868988},{"word":"you","start":16.495,"end":16.575,"confidence":0.9604915,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18210817873477936},{"word":"booked","start":16.575,"end":16.895,"confidence":0.99107146,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.17679837346076965},{"word":"in","start":16.895,"end":17.215,"confidence":0.9896032,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2082158774137497},{"word":"to","start":17.215,"end":17.455,"confidence":0.9907102,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20607256889343264},{"word":"complete","start":17.455,"end":17.855,"confidence":0.99830544,"punctuated_word":"complete","sentiment":"neutral","sentiment_score":0.24837395548820496},{"word":"your","start":17.855,"end":18.095001,"confidence":0.9836541,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18499167263507843},{"word":"under","start":18.095001,"end":18.335,"confidence":0.5471709,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.17659462988376615},{"word":"review","start":18.335,"end":18.735,"confidence":0.9932255,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.15434223413467407},{"word":"is","start":18.735,"end":18.895,"confidence":0.99227905,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.17709657549858093},{"word":"now","start":18.895,"end":19.135,"confidence":0.9545099,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.1807900220155716},{"word":"still","start":19.135,"end":19.295,"confidence":0.9948349,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.17492005228996277},{"word":"a","start":19.295,"end":19.375,"confidence":0.998002,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2251661866903305},{"word":"good","start":19.375,"end":19.535,"confidence":0.9998994,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.21198710799217224},{"word":"time","start":19.535,"end":19.775,"confidence":0.9997912,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.224481999874115},{"word":"for","start":19.775,"end":19.855,"confidence":0.9988913,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15603767335414886},{"word":"you","start":19.855,"end":20.355,"confidence":0.999911,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.16036850214004517},{"word":"yep","start":21.775002,"end":22.275002,"confidence":0.9823412,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12795524299144745},{"word":"perfect","start":22.494999,"end":22.994999,"confidence":0.99790543,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3385928273200989},{"word":"now","start":23.615,"end":23.855,"confidence":0.9412445,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1343649923801422},{"word":"just","start":23.855,"end":24.03,"confidence":0.825782,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0706057921051979},{"word":"before","start":24.11,"end":24.35,"confidence":0.9999578,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.045914530754089355},{"word":"i","start":24.35,"end":24.43,"confidence":0.9919551,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07484567165374756},{"word":"do","start":24.43,"end":24.51,"confidence":0.9975528,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07407946139574051},{"word":"go","start":24.51,"end":24.75,"confidence":0.99937016,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07190892845392227},{"word":"any","start":24.75,"end":24.99,"confidence":0.9996313,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0505291260778904},{"word":"further","start":24.99,"end":25.310001,"confidence":0.9985312,"punctuated_word":"further,","sentiment":"neutral","sentiment_score":0.042311325669288635},{"word":"i","start":25.310001,"end":25.470001,"confidence":0.9998654,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06242389231920242},{"word":"just","start":25.470001,"end":25.710001,"confidence":0.9995962,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07924118638038635},{"word":"need","start":25.710001,"end":25.87,"confidence":0.99994266,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.06263445317745209},{"word":"to","start":25.87,"end":26.03,"confidence":0.9998215,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06903640180826187},{"word":"let","start":26.03,"end":26.19,"confidence":0.9998536,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.06787094473838806},{"word":"you","start":26.19,"end":26.35,"confidence":0.9995478,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05895821005105972},{"word":"know","start":26.35,"end":26.59,"confidence":0.9999523,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05358459800481796},{"word":"that","start":26.59,"end":26.75,"confidence":0.9996464,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.053164854645729065},{"word":"our","start":26.75,"end":26.91,"confidence":0.9991554,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.03638282045722008},{"word":"calls","start":26.91,"end":27.23,"confidence":0.9997422,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.04712669923901558},{"word":"are","start":27.23,"end":27.470001,"confidence":0.9999058,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04157024621963501},{"word":"being","start":27.470001,"end":27.79,"confidence":0.99987614,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.03560911864042282},{"word":"recorded","start":27.79,"end":28.19,"confidence":0.99995184,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.03809475898742676},{"word":"for","start":28.19,"end":28.43,"confidence":0.99890625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.029681134968996048},{"word":"quality","start":28.43,"end":28.75,"confidence":0.9959776,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.05094312131404877},{"word":"and","start":28.75,"end":28.990002,"confidence":0.9986091,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0386115163564682},{"word":"coaching","start":28.990002,"end":29.470001,"confidence":0.99645233,"punctuated_word":"coaching","sentiment":"neutral","sentiment_score":0.06389820575714111},{"word":"purposes","start":29.470001,"end":29.87,"confidence":0.85276926,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.05674408376216888},{"word":"if","start":29.87,"end":30.03,"confidence":0.9985073,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0781683474779129},{"word":"that's","start":30.03,"end":30.27,"confidence":0.9999708,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06335669755935669},{"word":"okay","start":30.27,"end":30.77,"confidence":0.85398555,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.07497385144233704},{"word":"yep","start":32.190002,"end":32.67,"confidence":0.9100807,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08685403317213058},{"word":"perfect","start":32.67,"end":33.17,"confidence":0.99960995,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2093237042427063},{"word":"and","start":33.23,"end":33.39,"confidence":0.9982609,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09182602167129517},{"word":"just","start":33.39,"end":33.63,"confidence":0.9991259,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07571271061897278},{"word":"to","start":33.63,"end":33.71,"confidence":0.99944776,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07157568633556366},{"word":"confirm","start":33.71,"end":34.11,"confidence":0.99995613,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.1074240505695343},{"word":"i","start":34.11,"end":34.27,"confidence":0.9764555,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0828973576426506},{"word":"am","start":34.27,"end":34.67,"confidence":0.9987698,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.061700623482465744},{"word":"speaking","start":34.67,"end":34.99,"confidence":0.9990188,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.05193258076906204},{"word":"with","start":34.99,"end":35.39,"confidence":0.9999261,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04262163117527962},{"word":"the","start":35.39,"end":35.55,"confidence":0.9999001,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0663691908121109},{"word":"right","start":35.55,"end":35.95,"confidence":0.99984944,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.08397312462329865},{"word":"person","start":35.95,"end":36.43,"confidence":0.9988153,"punctuated_word":"person,","sentiment":"neutral","sentiment_score":0.08096370100975037},{"word":"could","start":36.43,"end":36.67,"confidence":0.9994281,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.09261862188577652},{"word":"you","start":36.67,"end":36.83,"confidence":0.9998828,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0751764252781868},{"word":"just","start":36.83,"end":37.07,"confidence":0.9998331,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06929183751344681},{"word":"confirm","start":37.07,"end":37.55,"confidence":0.9995635,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.05377699434757233},{"word":"your","start":37.55,"end":37.870003,"confidence":0.9996618,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04834497347474098},{"word":"full","start":37.870003,"end":38.190002,"confidence":0.99996185,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.06620993465185165},{"word":"name","start":38.190002,"end":38.510002,"confidence":0.9864576,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.05144721642136574},{"word":"date","start":38.510002,"end":38.75,"confidence":0.9965126,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.07411328703165054},{"word":"of","start":38.75,"end":38.91,"confidence":0.9986442,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0617828294634819},{"word":"birth","start":38.91,"end":39.23,"confidence":0.9933089,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.06935016065835953},{"word":"and","start":39.23,"end":39.39,"confidence":0.9997825,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05367586389183998},{"word":"address","start":39.39,"end":39.795,"confidence":0.99978465,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.056068770587444305},{"word":"for","start":45.875,"end":46.375,"confidence":0.99831945,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.012572206556797028},{"word":"me","start":46.995,"end":47.495,"confidence":0.99927735,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.0178522951900959},{"word":"please","start":48.114998,"end":48.614998,"confidence":0.9966823,"punctuated_word":"please?","sentiment":"neutral","sentiment_score":0.03115326724946499},{"word":"yep","start":49.234997,"end":49.734997,"confidence":0.9102323,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01730295456945896},{"word":"yep","start":50.594997,"end":51.074997,"confidence":0.9626802,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08563622832298279},{"word":"perfect","start":51.074997,"end":51.475,"confidence":0.9952618,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3643489480018616},{"word":"that's","start":51.475,"end":51.795,"confidence":0.9997262,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.38511109352111816},{"word":"exactly","start":51.795,"end":52.195,"confidence":0.9998503,"punctuated_word":"exactly","sentiment":"positive","sentiment_score":0.4396750926971435},{"word":"what","start":52.195,"end":52.354996,"confidence":0.9998895,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4353616535663605},{"word":"i","start":52.354996,"end":52.434998,"confidence":0.99986696,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.41691744327545166},{"word":"have","start":52.434998,"end":52.594997,"confidence":0.9999405,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4073822796344757},{"word":"here","start":52.594997,"end":52.914997,"confidence":0.9925438,"punctuated_word":"here.","sentiment":"positive","sentiment_score":0.3997713327407837},{"word":"and","start":52.914997,"end":53.155,"confidence":0.99934524,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14328938722610474},{"word":"how's","start":53.155,"end":53.394997,"confidence":0.94113266,"punctuated_word":"how's","sentiment":"neutral","sentiment_score":0.0813785195350647},{"word":"your","start":53.394997,"end":53.554996,"confidence":0.9844039,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07036784291267395},{"word":"day","start":53.554996,"end":53.714996,"confidence":0.99903417,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.09899280220270155},{"word":"been","start":53.714996,"end":53.954998,"confidence":0.99062365,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.06901110708713531},{"word":"so","start":53.954998,"end":54.114998,"confidence":0.9978223,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04798123612999916},{"word":"far","start":54.114998,"end":54.434998,"confidence":0.99611646,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.058651745319366455},{"word":"been","start":54.434998,"end":54.754997,"confidence":0.9082284,"punctuated_word":"Been","sentiment":"neutral","sentiment_score":-0.056443795561790466},{"word":"busy","start":54.754997,"end":55.254997,"confidence":0.99667645,"punctuated_word":"busy?","sentiment":"neutral","sentiment_score":-0.01762876845896244},{"word":"oh","start":58.2,"end":58.52,"confidence":0.6511413,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.35846632719039917},{"word":"that's","start":58.52,"end":59.02,"confidence":0.59520286,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4334797263145447},{"word":"that's","start":59.48,"end":59.559998,"confidence":0.749099,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4872373938560486},{"word":"nice","start":59.559998,"end":60.059998,"confidence":0.997952,"punctuated_word":"nice.","sentiment":"positive","sentiment_score":0.48473095893859863},{"word":"now","start":61.8,"end":62.2,"confidence":0.6849553,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08993856608867645},{"word":"just","start":62.2,"end":62.44,"confidence":0.97570384,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.017137926071882248},{"word":"before","start":62.44,"end":62.76,"confidence":0.99864346,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.008300963789224625},{"word":"i","start":62.76,"end":62.92,"confidence":0.99972385,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03311970457434654},{"word":"do","start":62.92,"end":63.16,"confidence":0.9998136,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.035935286432504654},{"word":"kind","start":63.16,"end":63.4,"confidence":0.96954715,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.032427143305540085},{"word":"of","start":63.4,"end":63.559998,"confidence":0.99977356,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011423766613006592},{"word":"jump","start":63.559998,"end":63.8,"confidence":0.9947896,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.0024829618632793427},{"word":"in","start":63.8,"end":64.04,"confidence":0.7241686,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.012488670647144318},{"word":"through","start":64.04,"end":64.28,"confidence":0.70235926,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.030830707401037216},{"word":"that","start":64.28,"end":64.44,"confidence":0.59307736,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07839468121528625},{"word":"interview","start":64.44,"end":64.92,"confidence":0.94735503,"punctuated_word":"interview,","sentiment":"neutral","sentiment_score":0.02972530573606491},{"word":"i","start":64.92,"end":65.08,"confidence":0.9997794,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.019243642687797543},{"word":"do","start":65.08,"end":65.24,"confidence":0.99642986,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.009001161903142929},{"word":"like","start":65.24,"end":65.479996,"confidence":0.9982722,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.02217896282672882},{"word":"to","start":65.479996,"end":65.56,"confidence":0.99898905,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02997604012489319},{"word":"start","start":65.56,"end":65.88,"confidence":0.9984738,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.02605849876999855},{"word":"by","start":65.88,"end":66.2,"confidence":0.9995932,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.01625252515077591},{"word":"asking","start":66.2,"end":66.7,"confidence":0.99976736,"punctuated_word":"asking","sentiment":"neutral","sentiment_score":0.026867423206567764},{"word":"if","start":66.76,"end":66.84,"confidence":0.7628538,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02604488469660282},{"word":"there","start":66.84,"end":67.08,"confidence":0.9999187,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.01332421973347664},{"word":"is","start":67.08,"end":67.24,"confidence":0.99902785,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.010610122233629228},{"word":"anything","start":67.24,"end":67.74,"confidence":0.99936146,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.020835645496845245},{"word":"specific","start":67.8,"end":68.28,"confidence":0.9998673,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":0.02194433286786079},{"word":"that","start":68.28,"end":68.44,"confidence":0.99982905,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012779507786035538},{"word":"you","start":68.44,"end":68.6,"confidence":0.9999167,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.002616085112094879},{"word":"are","start":68.6,"end":69.1,"confidence":0.9995246,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.00955931469798088},{"word":"hoping","start":69.26501,"end":69.425,"confidence":0.960254,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.013296741992235184},{"word":"to","start":69.425,"end":69.58501,"confidence":0.99976164,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016841117292642593},{"word":"get","start":69.58501,"end":69.825005,"confidence":0.9997385,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.010587286204099655},{"word":"out","start":69.825005,"end":69.985,"confidence":0.99985576,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.03398207202553749},{"word":"of","start":69.985,"end":70.145004,"confidence":0.9997389,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03520767390727997},{"word":"this","start":70.145004,"end":70.385,"confidence":0.99979705,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04922059178352356},{"word":"review","start":70.385,"end":70.705,"confidence":0.99985063,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.046228550374507904},{"word":"today","start":70.705,"end":71.025,"confidence":0.9998404,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.02801007404923439},{"word":"or","start":71.025,"end":71.185005,"confidence":0.87386906,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.025138426572084427},{"word":"any","start":71.185005,"end":71.425,"confidence":0.9990901,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.01755455881357193},{"word":"areas","start":71.425,"end":71.90501,"confidence":0.9855586,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.015643518418073654},{"word":"you","start":71.90501,"end":72.065,"confidence":0.99803764,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0055303387343883514},{"word":"would","start":72.065,"end":72.305,"confidence":0.9990368,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.00011939182877540588},{"word":"like","start":72.305,"end":72.545006,"confidence":0.99978393,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.005993347615003586},{"word":"to","start":72.545006,"end":72.785,"confidence":0.9993987,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0006967857480049133},{"word":"kind","start":72.785,"end":73.025,"confidence":0.9899304,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.002675306051969528},{"word":"of","start":73.025,"end":73.185005,"confidence":0.9996935,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005514670163393021},{"word":"go","start":73.185005,"end":73.345,"confidence":0.9996117,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.009712554514408112},{"word":"through","start":73.345,"end":73.58501,"confidence":0.9998659,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0008053705096244812},{"word":"in","start":73.58501,"end":73.665,"confidence":0.98802096,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01977502554655075},{"word":"a","start":73.665,"end":73.745,"confidence":0.9999013,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012539422139525414},{"word":"bit","start":73.745,"end":73.985,"confidence":0.99979085,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.007660999894142151},{"word":"more","start":73.985,"end":74.385,"confidence":0.9995927,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.008237164467573166},{"word":"detail","start":74.385,"end":74.885,"confidence":0.9996137,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":-0.002544023096561432},{"word":"or","start":74.945,"end":75.185005,"confidence":0.7821285,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.01864679902791977},{"word":"whether","start":75.185005,"end":75.425,"confidence":0.9996654,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.014671821147203444},{"word":"it's","start":75.425,"end":75.58501,"confidence":0.9992131,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.02618136815726757},{"word":"just","start":75.58501,"end":75.985,"confidence":0.9997377,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03400835394859314},{"word":"just","start":75.985,"end":76.305,"confidence":0.9849636,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03530895337462425},{"word":"a","start":76.305,"end":76.385,"confidence":0.99962044,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03897564858198166},{"word":"bit","start":76.385,"end":76.545006,"confidence":0.9998652,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03025928884744644},{"word":"of","start":76.545006,"end":76.625,"confidence":0.9996892,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.028405558317899704},{"word":"a","start":76.625,"end":76.705,"confidence":0.99666107,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.036334455013275146},{"word":"catch","start":76.705,"end":76.945,"confidence":0.9987471,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":-0.02609672024846077},{"word":"up","start":76.945,"end":77.105,"confidence":0.9980611,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.035984210669994354},{"word":"to","start":77.105,"end":77.265,"confidence":0.997938,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0382818840444088},{"word":"see","start":77.265,"end":77.425,"confidence":0.9996886,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.019409779459238052},{"word":"kind","start":77.425,"end":77.58501,"confidence":0.97061265,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.025827676057815552},{"word":"of","start":77.58501,"end":77.665,"confidence":0.9990977,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.019441410899162292},{"word":"what's","start":77.665,"end":77.825005,"confidence":0.948076,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.03242899477481842},{"word":"happened","start":77.825005,"end":78.145004,"confidence":0.99148315,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.028949446976184845},{"word":"in","start":78.145004,"end":78.225006,"confidence":0.5848639,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02929719910025597},{"word":"the","start":78.225006,"end":78.305,"confidence":0.9934222,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0323314368724823},{"word":"last","start":78.305,"end":78.465004,"confidence":0.9993734,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.03749913722276688},{"word":"twelve","start":78.465004,"end":78.705,"confidence":0.9991756,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.028812097385525703},{"word":"months","start":78.705,"end":79.205,"confidence":0.8595052,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":-0.018819516524672508},{"word":"no","start":83.04,"end":83.54,"confidence":0.7161483,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.06370275467634201},{"word":"no","start":83.68,"end":83.920006,"confidence":0.5892635,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.06255555897951126},{"word":"problem","start":83.920006,"end":84.32,"confidence":0.9985328,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.07052366435527802},{"word":"and","start":84.32,"end":84.48,"confidence":0.9996526,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.042731110006570816},{"word":"how's","start":84.48,"end":84.8,"confidence":0.91922295,"punctuated_word":"how's","sentiment":"neutral","sentiment_score":0.019428130239248276},{"word":"the","start":84.8,"end":85.04,"confidence":0.9908868,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021583274006843567},{"word":"last","start":85.04,"end":85.36,"confidence":0.99962246,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.008520692586898804},{"word":"twelve","start":85.36,"end":85.68,"confidence":0.9997038,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.010923217982053757},{"word":"months","start":85.68,"end":86.0,"confidence":0.9935549,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.014117013663053513},{"word":"kind","start":86.0,"end":86.240005,"confidence":0.9069403,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.025523044168949127},{"word":"of","start":86.240005,"end":86.32,"confidence":0.9972824,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014293951913714407},{"word":"been","start":86.32,"end":86.64,"confidence":0.97473586,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.013047885149717333},{"word":"for","start":86.64,"end":86.880005,"confidence":0.9976833,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0006167516112327576},{"word":"you","start":86.880005,"end":87.200005,"confidence":0.996078,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.008396439254283905},{"word":"any","start":87.200005,"end":87.68,"confidence":0.99986434,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.0003779307007789612},{"word":"any","start":87.68,"end":88.08,"confidence":0.9992429,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.007236141711473465},{"word":"changes","start":88.08,"end":88.58,"confidence":0.99960357,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.016734758391976357},{"word":"or","start":88.64,"end":88.8,"confidence":0.9995233,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.015958473086357117},{"word":"anything","start":88.8,"end":89.3,"confidence":0.99994683,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.012596771121025084},{"word":"to","start":89.600006,"end":89.68,"confidence":0.99960023,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.017277030274271965},{"word":"your","start":89.68,"end":90.08,"confidence":0.9998648,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.017362985759973526},{"word":"circumstances","start":90.08,"end":90.58,"confidence":0.99981266,"punctuated_word":"circumstances?","sentiment":"neutral","sentiment_score":-0.00849954504519701},{"word":"nope","start":93.855,"end":94.335,"confidence":0.7902827,"punctuated_word":"Nope?","sentiment":"neutral","sentiment_score":-0.0578099861741066},{"word":"okay","start":94.335,"end":94.835,"confidence":0.9995489,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.07518626749515533},{"word":"no","start":96.335,"end":96.655,"confidence":0.8890554,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10694824159145357},{"word":"that's","start":96.655,"end":96.975,"confidence":0.9990717,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.07035039365291595},{"word":"okay","start":96.975,"end":97.295,"confidence":0.9996996,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.044907599687576294},{"word":"sometimes","start":97.295,"end":97.695,"confidence":0.9992956,"punctuated_word":"Sometimes","sentiment":"neutral","sentiment_score":-0.08653458952903748},{"word":"it's","start":97.695,"end":97.855,"confidence":0.9566747,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08583828061819077},{"word":"hard","start":97.855,"end":98.095,"confidence":0.99956685,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.1351589858531952},{"word":"to","start":98.095,"end":98.175,"confidence":0.9993573,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11410173028707504},{"word":"remember","start":98.175,"end":98.655,"confidence":0.99993825,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.12646107375621796},{"word":"as","start":98.655,"end":98.895004,"confidence":0.9979255,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1518976390361786},{"word":"well","start":98.895004,"end":99.395004,"confidence":0.99778754,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.10823654383420944},{"word":"what","start":100.095,"end":100.415,"confidence":0.8470711,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.03666003793478012},{"word":"i","start":100.415,"end":100.495,"confidence":0.99954057,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02219817042350769},{"word":"will","start":100.495,"end":100.735,"confidence":0.9998599,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.013912349939346312},{"word":"do","start":100.735,"end":100.975,"confidence":0.84128594,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":-0.008079808205366135},{"word":"though","start":100.975,"end":101.215004,"confidence":0.9998145,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":-0.008724354207515717},{"word":"is","start":101.215004,"end":101.535,"confidence":0.9999634,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0031050071120262146},{"word":"i","start":101.535,"end":101.615005,"confidence":0.9984276,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01254015415906906},{"word":"will","start":101.615005,"end":101.855,"confidence":0.99907815,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.01293019950389862},{"word":"just","start":101.855,"end":102.175,"confidence":0.9998499,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0018697604537010193},{"word":"quickly","start":102.175,"end":102.655,"confidence":0.99994254,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.013186953961849213},{"word":"run","start":102.655,"end":102.895004,"confidence":0.9997228,"punctuated_word":"run","sentiment":"neutral","sentiment_score":-0.026874423027038578},{"word":"through","start":102.895004,"end":103.375,"confidence":0.9998293,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.03999417647719383},{"word":"a","start":103.375,"end":103.535,"confidence":0.9600152,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010869547724723816},{"word":"bit","start":103.535,"end":103.775,"confidence":0.6466411,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.011681914329528809},{"word":"of","start":103.775,"end":103.935005,"confidence":0.99966264,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01177448034286499},{"word":"a","start":103.935005,"end":104.015,"confidence":0.9947449,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.026065591722726825},{"word":"fact","start":104.015,"end":104.335,"confidence":0.8976047,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":-0.03906724601984024},{"word":"line","start":104.335,"end":104.655,"confidence":0.32701066,"punctuated_word":"line","sentiment":"neutral","sentiment_score":-0.014589942991733553},{"word":"just","start":104.655,"end":104.895004,"confidence":0.9852732,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.004351489245891571},{"word":"to","start":104.895004,"end":105.055,"confidence":0.99990594,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01371556520462036},{"word":"see","start":105.055,"end":105.215004,"confidence":0.9999738,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.021682560443878177},{"word":"if","start":105.215004,"end":105.375,"confidence":0.99982387,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.030304431915283203},{"word":"there","start":105.375,"end":105.535,"confidence":0.9998661,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.027007773518562317},{"word":"is","start":105.535,"end":105.695,"confidence":0.9756865,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0317576602101326},{"word":"anything","start":105.695,"end":106.195,"confidence":0.999881,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.015812136232852936},{"word":"that","start":106.335,"end":106.655,"confidence":0.999044,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04590633139014244},{"word":"has","start":106.655,"end":107.055,"confidence":0.9980502,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.05253537744283676},{"word":"changed","start":107.055,"end":107.555,"confidence":0.9986046,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.081534743309021},{"word":"that","start":107.85,"end":108.090004,"confidence":0.9995401,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06427323818206787},{"word":"might","start":108.090004,"end":108.25,"confidence":0.9999325,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.06916400790214539},{"word":"need","start":108.25,"end":108.49,"confidence":0.9968258,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.06246054172515869},{"word":"us","start":108.49,"end":108.81,"confidence":0.9989097,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.07927535474300385},{"word":"to","start":108.81,"end":108.97,"confidence":0.97809577,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05829185992479324},{"word":"make","start":108.97,"end":109.21,"confidence":0.9983393,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.05211704224348068},{"word":"any","start":109.21,"end":109.45,"confidence":0.999432,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.01915851980447769},{"word":"changes","start":109.45,"end":109.770004,"confidence":0.99961144,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.05828019976615906},{"word":"to","start":109.770004,"end":109.93,"confidence":0.9994842,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.039440348744392395},{"word":"your","start":109.93,"end":110.25,"confidence":0.99986243,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04762919992208481},{"word":"advice","start":110.25,"end":110.75,"confidence":0.9816741,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":-0.04904010891914368},{"word":"so","start":111.21,"end":111.45,"confidence":0.9962218,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.012338891625404358},{"word":"bear","start":111.45,"end":111.69,"confidence":0.9988506,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":-0.035224638879299164},{"word":"with","start":111.69,"end":111.85,"confidence":0.99984205,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03352488577365875},{"word":"me","start":111.85,"end":112.01,"confidence":0.9998288,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.00008346140384674072},{"word":"as","start":112.01,"end":112.090004,"confidence":0.99944097,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0022718384861946106},{"word":"i","start":112.090004,"end":112.25,"confidence":0.9989334,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0008615776896476746},{"word":"go","start":112.25,"end":112.41,"confidence":0.99940133,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.007417500019073486},{"word":"through","start":112.41,"end":112.65,"confidence":0.9999306,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.00938260555267334},{"word":"this","start":112.65,"end":112.89,"confidence":0.99430126,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.011001940816640854},{"word":"and","start":112.89,"end":113.13,"confidence":0.999877,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012682676315307615},{"word":"i'll","start":113.13,"end":113.37,"confidence":0.98770237,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.028233960270881653},{"word":"try","start":113.37,"end":113.53,"confidence":0.9788225,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.020711824297904968},{"word":"to","start":113.53,"end":113.61,"confidence":0.80479497,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03807935863733291},{"word":"go","start":113.61,"end":113.770004,"confidence":0.9077293,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04256627708673477},{"word":"through","start":113.770004,"end":113.93,"confidence":0.9993888,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.035123005509376526},{"word":"it","start":113.93,"end":114.090004,"confidence":0.71317434,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.021312974393367767},{"word":"as","start":114.090004,"end":114.33,"confidence":0.9899624,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0389091894030571},{"word":"quickly","start":114.33,"end":114.73,"confidence":0.9992048,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.07057570666074753},{"word":"as","start":114.73,"end":114.89,"confidence":0.9995284,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05073517560958862},{"word":"i","start":114.89,"end":114.97,"confidence":0.9995771,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05169672518968582},{"word":"can","start":114.97,"end":115.45,"confidence":0.9999474,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.044533491134643555},{"word":"for","start":115.45,"end":115.69,"confidence":0.9985139,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04803607612848282},{"word":"you","start":115.69,"end":116.19,"confidence":0.99993193,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.026696421205997467},{"word":"now","start":117.69,"end":118.17,"confidence":0.8259038,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.003977790474891663},{"word":"with","start":118.17,"end":118.41,"confidence":0.99692863,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.017039205878973007},{"word":"your","start":118.41,"end":118.73,"confidence":0.9986443,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0031770803034305573},{"word":"personal","start":118.73,"end":119.23,"confidence":0.9998062,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.01194816455245018},{"word":"information","start":119.37,"end":119.87,"confidence":0.9987314,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":-0.01373487338423729},{"word":"i","start":120.09,"end":120.33,"confidence":0.9999274,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.009500596672296524},{"word":"have","start":120.33,"end":120.57,"confidence":0.99997103,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01556243747472763},{"word":"you","start":120.57,"end":120.81,"confidence":0.9993204,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006295070052146912},{"word":"down","start":120.81,"end":121.13,"confidence":0.8878323,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0032711178064346313},{"word":"here","start":121.13,"end":121.45,"confidence":0.9999193,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.002063512802124023},{"word":"as","start":121.45,"end":121.93,"confidence":0.999887,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.01920280233025551},{"word":"married","start":121.93,"end":122.33,"confidence":0.997612,"punctuated_word":"married","sentiment":"neutral","sentiment_score":-0.006242875009775162},{"word":"with","start":122.33,"end":122.715,"confidence":0.99917173,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.033680398017168045},{"word":"true","start":122.795,"end":122.954994,"confidence":0.75319874,"punctuated_word":"true","sentiment":"neutral","sentiment_score":-0.024681437760591507},{"word":"financial","start":122.954994,"end":123.454994,"confidence":0.99881375,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.020339686423540115},{"word":"dependent","start":123.59499,"end":123.994995,"confidence":0.7104399,"punctuated_word":"dependent.","sentiment":"neutral","sentiment_score":-0.008207492530345917},{"word":"is","start":123.994995,"end":124.23499,"confidence":0.99328727,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.0004495140165090561},{"word":"that","start":124.23499,"end":124.395,"confidence":0.99976903,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0020199380815029144},{"word":"still","start":124.395,"end":124.55499,"confidence":0.9987208,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.02101103588938713},{"word":"the","start":124.55499,"end":124.715,"confidence":0.99790585,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.022526992484927177},{"word":"case","start":124.715,"end":125.215,"confidence":0.99983716,"punctuated_word":"case?","sentiment":"neutral","sentiment_score":0.0023297443985939026},{"word":"yep","start":126.634995,"end":127.115,"confidence":0.819267,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0655040442943573},{"word":"perfect","start":127.115,"end":127.615,"confidence":0.9962406,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.1966198980808258},{"word":"and","start":127.674995,"end":127.91499,"confidence":0.99953985,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11632829159498216},{"word":"i","start":127.91499,"end":128.075,"confidence":0.9998884,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08959619700908661},{"word":"do","start":128.075,"end":128.235,"confidence":0.99990773,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0935361459851265},{"word":"have","start":128.235,"end":128.47499,"confidence":0.999491,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07601085305213928},{"word":"here","start":128.47499,"end":128.795,"confidence":0.9921211,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.10602036118507384},{"word":"next","start":128.795,"end":129.11499,"confidence":0.9584893,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07698021829128265},{"word":"of","start":129.11499,"end":129.515,"confidence":0.9512596,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04927876591682434},{"word":"ken","start":129.515,"end":130.015,"confidence":0.5985273,"punctuated_word":"Ken,","sentiment":"neutral","sentiment_score":0.05759240686893463},{"word":"elizabeth","start":130.155,"end":130.655,"confidence":0.7411324,"punctuated_word":"Elizabeth.","sentiment":"neutral","sentiment_score":0.07589992880821228},{"word":"yep","start":132.555,"end":132.955,"confidence":0.9748157,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1990463137626648},{"word":"perfect","start":132.955,"end":133.435,"confidence":0.9997641,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6070317029953003},{"word":"i","start":133.435,"end":133.515,"confidence":0.9998266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20043154060840607},{"word":"have","start":133.515,"end":133.75499,"confidence":0.9999136,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1977695524692535},{"word":"phone","start":133.75499,"end":133.995,"confidence":0.9497532,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.22328393161296844},{"word":"number","start":133.995,"end":134.235,"confidence":0.9999559,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.2125643938779831},{"word":"ending","start":134.235,"end":134.635,"confidence":0.99992573,"punctuated_word":"ending","sentiment":"neutral","sentiment_score":0.25515004992485046},{"word":"in","start":134.635,"end":135.035,"confidence":0.99981505,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20235632359981537},{"word":"135","start":135.035,"end":136.33499,"confidence":0.9989724,"punctuated_word":"135.","sentiment":"neutral","sentiment_score":0.13346952199935913},{"word":"is","start":136.47499,"end":136.715,"confidence":0.9994137,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.10375972092151642},{"word":"that","start":136.715,"end":136.955,"confidence":0.9999509,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20156213641166687},{"word":"still","start":136.955,"end":137.19499,"confidence":0.9994168,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.15281569957733154},{"word":"the","start":137.19499,"end":137.355,"confidence":0.9985569,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18885408341884613},{"word":"case","start":137.355,"end":137.855,"confidence":0.99990374,"punctuated_word":"case?","sentiment":"neutral","sentiment_score":0.21246328949928284},{"word":"perfect","start":138.03,"end":138.53,"confidence":0.9945613,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4475670456886291},{"word":"now","start":139.31,"end":139.81,"confidence":0.9990972,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.05720029771327973},{"word":"when","start":140.99,"end":141.15,"confidence":0.9967919,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05450206622481346},{"word":"it","start":141.15,"end":141.23,"confidence":0.99987257,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.060075536370277405},{"word":"comes","start":141.23,"end":141.47,"confidence":0.9997155,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.0458311028778553},{"word":"to","start":141.47,"end":141.63,"confidence":0.99939084,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04016060754656792},{"word":"your","start":141.63,"end":141.95,"confidence":0.96087754,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.027093324810266495},{"word":"employment","start":141.95,"end":142.45,"confidence":0.9986216,"punctuated_word":"employment,","sentiment":"neutral","sentiment_score":0.030433423817157745},{"word":"has","start":142.83,"end":143.15,"confidence":0.9996563,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.01628030091524124},{"word":"any","start":143.15,"end":143.39,"confidence":0.9999894,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05237687379121781},{"word":"of","start":143.39,"end":143.55,"confidence":0.9998802,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05251476168632507},{"word":"that","start":143.55,"end":143.87,"confidence":0.9999306,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0405384786427021},{"word":"changed","start":143.87,"end":144.19,"confidence":0.9990779,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.0538749024271965},{"word":"in","start":144.19,"end":144.43,"confidence":0.9996691,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.022428466007113457},{"word":"the","start":144.43,"end":144.51,"confidence":0.99986947,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04613808169960976},{"word":"last","start":144.51,"end":144.83,"confidence":0.999899,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.01184779778122902},{"word":"twelve","start":144.83,"end":145.06999,"confidence":0.9998252,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.04595193266868591},{"word":"months","start":145.06999,"end":145.56999,"confidence":0.99788177,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":0.04997040331363678},{"word":"same","start":147.70999,"end":148.03,"confidence":0.9847645,"punctuated_word":"Same","sentiment":"neutral","sentiment_score":0.01588517799973488},{"word":"cop","start":148.03,"end":148.27,"confidence":0.20858504,"punctuated_word":"cop","sentiment":"neutral","sentiment_score":0.012602429836988447},{"word":"still","start":148.35,"end":148.83,"confidence":0.8204633,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.007914616726338863},{"word":"doing","start":148.83,"end":149.23,"confidence":0.63088006,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.012636462226510048},{"word":"the","start":149.23,"end":149.73,"confidence":0.82649624,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02482014521956444},{"word":"site","start":150.11,"end":150.59,"confidence":0.87894464,"punctuated_word":"site","sentiment":"neutral","sentiment_score":0.02281777933239937},{"word":"supervisor","start":150.59,"end":151.09,"confidence":0.9996018,"punctuated_word":"supervisor","sentiment":"neutral","sentiment_score":0.029036706313490868},{"word":"plumbing","start":151.39,"end":151.89,"confidence":0.9842573,"punctuated_word":"plumbing?","sentiment":"neutral","sentiment_score":0.03274844214320183},{"word":"yeah","start":153.305,"end":153.625,"confidence":0.6699444,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1353821158409119},{"word":"perfect","start":153.625,"end":154.125,"confidence":0.99695694,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3268093466758728},{"word":"now","start":155.145,"end":155.385,"confidence":0.86628497,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.15032504498958588},{"word":"i","start":155.385,"end":155.545,"confidence":0.99764913,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11326704919338226},{"word":"do","start":155.545,"end":155.785,"confidence":0.9999597,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13074785470962524},{"word":"have","start":155.785,"end":156.025,"confidence":0.9999453,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08775527030229568},{"word":"here","start":156.025,"end":156.525,"confidence":0.9981335,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.12582533061504364},{"word":"income","start":156.665,"end":157.145,"confidence":0.9988992,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.11161763966083528},{"word":"of","start":157.145,"end":157.385,"confidence":0.9982009,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06000573933124542},{"word":"around","start":157.385,"end":157.885,"confidence":0.9992316,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.08476884663105011},{"word":"134,956","start":158.105,"end":162.045,"confidence":0.9977276,"punctuated_word":"134,956.","sentiment":"neutral","sentiment_score":0.07630731165409088},{"word":"is","start":162.825,"end":163.065,"confidence":0.9990945,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03999060392379761},{"word":"that","start":163.065,"end":163.385,"confidence":0.99995685,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06240957975387573},{"word":"still","start":163.385,"end":163.625,"confidence":0.9984006,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.035751476883888245},{"word":"the","start":163.625,"end":163.785,"confidence":0.9982822,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0352650061249733},{"word":"case","start":163.785,"end":164.025,"confidence":0.9503082,"punctuated_word":"case,","sentiment":"neutral","sentiment_score":0.04338096082210541},{"word":"or","start":164.025,"end":164.265,"confidence":0.9995455,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.018994811922311783},{"word":"do","start":164.265,"end":164.345,"confidence":0.9995826,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0217251256108284},{"word":"you","start":164.345,"end":164.425,"confidence":0.9965072,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03162634000182152},{"word":"know","start":164.425,"end":164.58499,"confidence":0.99981195,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.022985074669122696},{"word":"if","start":164.58499,"end":164.745,"confidence":0.98297876,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.025920581072568893},{"word":"that's","start":164.745,"end":165.145,"confidence":0.998788,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.026578351855278015},{"word":"changed","start":165.145,"end":165.645,"confidence":0.99442,"punctuated_word":"changed?","sentiment":"neutral","sentiment_score":0.045288488268852234},{"word":"oh","start":169.74,"end":169.81999,"confidence":0.95142317,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.15927870571613312},{"word":"nice","start":169.81999,"end":170.22,"confidence":0.998858,"punctuated_word":"nice.","sentiment":"neutral","sentiment_score":0.14556866884231567},{"word":"do","start":170.22,"end":170.45999,"confidence":0.9964959,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.021500658243894577},{"word":"you","start":170.45999,"end":170.54,"confidence":0.9977416,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02507671155035496},{"word":"know","start":170.54,"end":171.04,"confidence":0.9997023,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.018297772854566578},{"word":"what","start":171.5,"end":171.74,"confidence":0.9976883,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.030055321753025055},{"word":"it's","start":171.74,"end":172.06,"confidence":0.9955443,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.014615032821893692},{"word":"changing","start":172.06,"end":172.45999,"confidence":0.99936765,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.005168221890926361},{"word":"to","start":172.45999,"end":172.95999,"confidence":0.8065316,"punctuated_word":"to?","sentiment":"neutral","sentiment_score":0.007822440937161446},{"word":"yeah","start":176.62,"end":176.94,"confidence":0.995366,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.016587473452091217},{"word":"no","start":176.94,"end":177.18,"confidence":0.9958107,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04950018227100372},{"word":"that's","start":177.18,"end":177.42,"confidence":0.99883246,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.001890244660899043},{"word":"okay","start":177.42,"end":177.92,"confidence":0.99857616,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.0101354718208313},{"word":"but","start":178.22,"end":178.45999,"confidence":0.88066435,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03138549625873566},{"word":"for","start":178.45999,"end":178.62,"confidence":0.9932239,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01713237538933754},{"word":"now","start":178.62,"end":178.78,"confidence":0.98055255,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.014754939824342728},{"word":"it's","start":178.78,"end":179.02,"confidence":0.9997026,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.001240914105437696},{"word":"still","start":179.02,"end":179.26,"confidence":0.9997919,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.011204585433006288},{"word":"that","start":179.26,"end":179.58,"confidence":0.85098064,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.005804266780614853},{"word":"134","start":179.58,"end":180.8,"confidence":0.9290147,"punctuated_word":"134?","sentiment":"neutral","sentiment_score":0.0029247708152979612},{"word":"yep","start":182.185,"end":182.685,"confidence":0.8117362,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11107536405324936},{"word":"perfect","start":182.745,"end":183.245,"confidence":0.9993246,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.275565505027771},{"word":"now","start":184.50499,"end":185.00499,"confidence":0.9703571,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.068768709897995},{"word":"when","start":185.305,"end":185.545,"confidence":0.99592894,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.024529196321964264},{"word":"it","start":185.545,"end":185.625,"confidence":0.9998274,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03800063207745552},{"word":"comes","start":185.625,"end":185.94499,"confidence":0.99966824,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.04974716901779175},{"word":"to","start":185.94499,"end":186.345,"confidence":0.52843827,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0678814947605133},{"word":"bills","start":186.345,"end":186.665,"confidence":0.9935457,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":0.06154821813106537},{"word":"and","start":186.665,"end":186.905,"confidence":0.99909484,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.025579027831554413},{"word":"expenses","start":186.905,"end":187.405,"confidence":0.9983326,"punctuated_word":"expenses,","sentiment":"neutral","sentiment_score":0.014691291376948357},{"word":"i","start":187.705,"end":187.86499,"confidence":0.99990165,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.028904080390930176},{"word":"have","start":187.86499,"end":188.185,"confidence":0.99985087,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.004574961960315704},{"word":"here","start":188.185,"end":188.425,"confidence":0.99801105,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.038520023226737976},{"word":"that","start":188.425,"end":188.925,"confidence":0.99649554,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007958456873893738},{"word":"most","start":190.105,"end":190.58499,"confidence":0.96691716,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.013284750282764437},{"word":"most","start":190.58499,"end":190.905,"confidence":0.99681723,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.019338056445121765},{"word":"of","start":190.905,"end":191.14499,"confidence":0.99965096,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.021218977868556976},{"word":"the","start":191.14499,"end":191.385,"confidence":0.7907329,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00672546774148941},{"word":"income","start":191.385,"end":191.785,"confidence":0.9997718,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.02488607168197632},{"word":"goes","start":191.785,"end":192.105,"confidence":0.9997526,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.006158851087093353},{"word":"through","start":192.105,"end":192.425,"confidence":0.86204994,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.016326211392879486},{"word":"bills","start":192.425,"end":192.745,"confidence":0.99938095,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":0.01995754987001419},{"word":"and","start":192.745,"end":192.905,"confidence":0.99791855,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06110873818397522},{"word":"stuff","start":192.905,"end":193.065,"confidence":0.981521,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":-0.06230432167649269},{"word":"you","start":193.065,"end":193.22499,"confidence":0.9795603,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.15330755710601807},{"word":"aren't","start":193.22499,"end":193.465,"confidence":0.9988035,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.10516493022441864},{"word":"really","start":193.465,"end":193.785,"confidence":0.9996629,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.042017027735710144},{"word":"saving","start":193.785,"end":194.105,"confidence":0.9995547,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":-0.11206421256065369},{"word":"anything","start":194.105,"end":194.58499,"confidence":0.9998983,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.18470275402069092},{"word":"on","start":194.58499,"end":194.745,"confidence":0.9996997,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.13453689217567444},{"word":"a","start":194.745,"end":194.825,"confidence":0.99851984,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0582205206155777},{"word":"regular","start":194.825,"end":195.305,"confidence":0.99995565,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":-0.08753731846809387},{"word":"basis","start":195.305,"end":195.805,"confidence":0.91197205,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":-0.04661239683628082},{"word":"yeah","start":200.12,"end":200.52,"confidence":0.78265464,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.013561725616455078},{"word":"how","start":200.52,"end":200.68001,"confidence":0.9979651,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.034178726375103},{"word":"much","start":200.68001,"end":201.0,"confidence":0.99987257,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.02572684735059738},{"word":"do","start":201.0,"end":201.16,"confidence":0.99923396,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0306132510304451},{"word":"you","start":201.16,"end":201.32,"confidence":0.9994299,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017160378396511078},{"word":"guys","start":201.32,"end":201.82,"confidence":0.9808009,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":-0.017689498141407967},{"word":"i","start":202.36,"end":202.44,"confidence":0.9997465,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01773347705602646},{"word":"guess","start":202.44,"end":202.76001,"confidence":0.9815897,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.01473596692085266},{"word":"on","start":202.76001,"end":203.24,"confidence":0.9994386,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01683720573782921},{"word":"average","start":203.24,"end":203.72,"confidence":0.7892678,"punctuated_word":"average,","sentiment":"neutral","sentiment_score":-0.03003231436014175},{"word":"try","start":203.72,"end":203.96,"confidence":0.99810946,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.029191676527261737},{"word":"to","start":203.96,"end":204.12,"confidence":0.9996991,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004124931991100311},{"word":"put","start":204.12,"end":204.28,"confidence":0.9997726,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.010028477758169174},{"word":"aside","start":204.28,"end":204.78,"confidence":0.97581065,"punctuated_word":"aside?","sentiment":"neutral","sentiment_score":-0.019083980470895767},{"word":"obviously","start":205.0,"end":205.5,"confidence":0.95579624,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.06813777983188629},{"word":"obviously","start":205.64,"end":205.88,"confidence":0.71490955,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.07801361382007599},{"word":"it","start":205.88,"end":205.96,"confidence":0.6178916,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07372958213090897},{"word":"depends","start":205.96,"end":206.36,"confidence":0.9986318,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.06643004715442657},{"word":"on","start":206.36,"end":206.44,"confidence":0.99920017,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0551496297121048},{"word":"bills","start":206.44,"end":206.76001,"confidence":0.99359846,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":-0.04259875789284706},{"word":"and","start":206.76001,"end":206.92,"confidence":0.98199445,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07136599719524384},{"word":"expenses","start":206.92,"end":207.42,"confidence":0.99776566,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":-0.03333638608455658},{"word":"and","start":207.48,"end":207.64,"confidence":0.9940177,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06730093061923981},{"word":"everything","start":207.64,"end":208.14,"confidence":0.79597497,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":-0.07411576807498932},{"word":"but","start":208.2,"end":208.7,"confidence":0.9986873,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07787081599235535},{"word":"if","start":209.16,"end":209.32,"confidence":0.8542074,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.08257284760475159},{"word":"you","start":209.32,"end":209.48,"confidence":0.99974054,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07083731889724731},{"word":"were","start":209.48,"end":209.72,"confidence":0.98415,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.07165783643722534},{"word":"to","start":209.72,"end":209.8,"confidence":0.99676883,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0751374140381813},{"word":"say","start":209.8,"end":210.04001,"confidence":0.9944186,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.07152830064296722},{"word":"an","start":210.04001,"end":210.28,"confidence":0.92307615,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.060165874660015106},{"word":"average","start":210.28,"end":210.78,"confidence":0.7664145,"punctuated_word":"average.","sentiment":"neutral","sentiment_score":-0.09540649503469469},{"word":"yep","start":215.605,"end":216.005,"confidence":0.8630154,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.021114950999617577},{"word":"no","start":216.005,"end":216.245,"confidence":0.99867535,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03478348255157471},{"word":"that's","start":216.245,"end":216.645,"confidence":0.9990808,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.026551734656095505},{"word":"okay","start":216.645,"end":217.145,"confidence":0.9994457,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.016904257237911224},{"word":"and","start":217.925,"end":218.325,"confidence":0.9219167,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.016926921904087067},{"word":"your","start":218.325,"end":218.645,"confidence":0.99803513,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.013643845915794373},{"word":"employer","start":218.645,"end":219.125,"confidence":0.99064636,"punctuated_word":"employer,","sentiment":"neutral","sentiment_score":-0.014070412144064903},{"word":"they","start":219.125,"end":219.365,"confidence":0.9979982,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.017457958310842514},{"word":"still","start":219.365,"end":219.605,"confidence":0.9990133,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.009789202362298964},{"word":"pay","start":219.605,"end":219.845,"confidence":0.9997763,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.019126471132040024},{"word":"you","start":219.845,"end":220.085,"confidence":0.999074,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0138334259390831},{"word":"just","start":220.085,"end":220.245,"confidence":0.9898114,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02213580533862114},{"word":"that","start":220.245,"end":220.405,"confidence":0.95619684,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0026829317212104797},{"word":"12%","start":220.405,"end":221.305,"confidence":0.99909127,"punctuated_word":"12%","sentiment":"neutral","sentiment_score":0.004206782206892967},{"word":"employer","start":221.525,"end":221.925,"confidence":0.63344324,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":-0.02707996591925621},{"word":"contribution","start":221.925,"end":222.425,"confidence":0.9528348,"punctuated_word":"contribution?","sentiment":"neutral","sentiment_score":-0.007442211732268333},{"word":"yes","start":225.78,"end":226.28,"confidence":0.70424694,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.034035779535770416},{"word":"yeah","start":227.78,"end":228.1,"confidence":0.79800916,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06792771071195602},{"word":"perfect","start":228.1,"end":228.5,"confidence":0.9967817,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.12794660031795502},{"word":"so","start":228.5,"end":228.66,"confidence":0.9887018,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.029131846502423286},{"word":"just","start":228.66,"end":228.9,"confidence":0.96778595,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.024546518921852112},{"word":"kind","start":228.9,"end":229.06,"confidence":0.98486114,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03189334645867348},{"word":"of","start":229.06,"end":229.14,"confidence":0.9997106,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.022520316764712337},{"word":"like","start":229.14,"end":229.45999,"confidence":0.52969295,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.040456611663103104},{"word":"you","start":229.45999,"end":229.62,"confidence":0.40748036,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04024645686149597},{"word":"don't","start":229.62,"end":229.86,"confidence":0.999073,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.016902612522244453},{"word":"have","start":229.86,"end":230.1,"confidence":0.999801,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.021875016391277313},{"word":"an","start":230.1,"end":230.34,"confidence":0.988658,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.014293745160102844},{"word":"enterprise","start":230.34,"end":230.74,"confidence":0.9804026,"punctuated_word":"enterprise","sentiment":"neutral","sentiment_score":0.007586382329463959},{"word":"login","start":230.74,"end":231.22,"confidence":0.4287537,"punctuated_word":"login","sentiment":"neutral","sentiment_score":0.01171361282467842},{"word":"agreement","start":231.22,"end":231.72,"confidence":0.8459617,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.014002908021211624},{"word":"or","start":232.9,"end":233.06,"confidence":0.6249763,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.003219570964574814},{"word":"anything","start":233.06,"end":233.56,"confidence":0.81036735,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":0.015663761645555496},{"word":"you","start":234.02,"end":234.26,"confidence":0.89836323,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.00419144332408905},{"word":"do","start":234.26,"end":234.76,"confidence":0.99828374,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":0.01347249373793602},{"word":"okay","start":235.715,"end":236.215,"confidence":0.9974495,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.020389089360833168},{"word":"yeah","start":246.275,"end":246.675,"confidence":0.9983762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03589848801493645},{"word":"okay","start":246.675,"end":247.175,"confidence":0.99871725,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.052630066871643066},{"word":"okay","start":249.22,"end":249.72,"confidence":0.99897575,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12943805754184723},{"word":"and","start":249.94,"end":250.44,"confidence":0.99725634,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14044229686260223},{"word":"it","start":250.98001,"end":251.22,"confidence":0.86030054,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17162835597991943},{"word":"still","start":251.22,"end":251.46,"confidence":0.9921361,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1632530838251114},{"word":"gives","start":251.46,"end":251.62001,"confidence":0.9966671,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.18300727009773257},{"word":"you","start":251.62001,"end":251.86,"confidence":0.9994356,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1853836178779602},{"word":"obviously","start":251.86,"end":252.18001,"confidence":0.5359456,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.17495059967041016},{"word":"choice","start":252.18001,"end":252.42,"confidence":0.9279293,"punctuated_word":"choice","sentiment":"neutral","sentiment_score":0.19430240988731384},{"word":"of","start":252.42,"end":252.66,"confidence":0.99887615,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17913910746574402},{"word":"super","start":252.66,"end":252.98001,"confidence":0.90581924,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.18766064941883087},{"word":"and","start":252.98001,"end":253.22,"confidence":0.9957871,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18622837960720065},{"word":"everything","start":253.22,"end":253.54001,"confidence":0.9998411,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2024272084236145},{"word":"like","start":253.54001,"end":253.70001,"confidence":0.9981456,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1646060049533844},{"word":"that","start":253.70001,"end":253.94,"confidence":0.9510373,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1575177013874054},{"word":"it's","start":253.94,"end":254.1,"confidence":0.99870336,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.12046419084072112},{"word":"just","start":254.1,"end":254.42,"confidence":0.9998851,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12532515823841095},{"word":"a","start":254.42,"end":254.58,"confidence":0.9991265,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1542113572359085},{"word":"couple","start":254.58,"end":254.82,"confidence":0.99921525,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.13625839352607727},{"word":"of","start":254.82,"end":254.90001,"confidence":0.99974483,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1475575715303421},{"word":"extra","start":254.90001,"end":255.3,"confidence":0.9999604,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.11374665796756744},{"word":"benefits","start":255.3,"end":255.8,"confidence":0.9330896,"punctuated_word":"benefits.","sentiment":"neutral","sentiment_score":0.09809336066246031},{"word":"yeah","start":258.02002,"end":258.52002,"confidence":0.98457444,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04624825716018677},{"word":"yeah","start":262.035,"end":262.535,"confidence":0.99325407,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.034513767808675766},{"word":"yeah","start":263.47498,"end":263.955,"confidence":0.7209803,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12587979435920715},{"word":"perfect","start":263.955,"end":264.455,"confidence":0.9682368,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3029699921607971},{"word":"otherwise","start":265.875,"end":266.375,"confidence":0.87113047,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":0.09906577318906784},{"word":"you","start":266.435,"end":266.595,"confidence":0.99972814,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10986153781414032},{"word":"are","start":266.595,"end":266.75497,"confidence":0.6211592,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0864148661494255},{"word":"not","start":266.75497,"end":266.91498,"confidence":0.99943537,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.049619950354099274},{"word":"making","start":266.91498,"end":267.235,"confidence":0.9999131,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.03081899881362915},{"word":"any","start":267.235,"end":267.715,"confidence":0.9999063,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.01213826984167099},{"word":"additional","start":267.715,"end":268.215,"confidence":0.9998938,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.06407123059034348},{"word":"contributions","start":268.275,"end":268.75497,"confidence":0.9992249,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.06949686259031296},{"word":"into","start":268.75497,"end":269.155,"confidence":0.902926,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.01334536075592041},{"word":"super","start":269.155,"end":269.47498,"confidence":0.60000885,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.0506640188395977},{"word":"just","start":269.47498,"end":269.715,"confidence":0.9951851,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.108605295419693},{"word":"that","start":269.715,"end":269.79498,"confidence":0.9529731,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08960577100515366},{"word":"from","start":269.79498,"end":270.03497,"confidence":0.9919842,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.02086508274078369},{"word":"your","start":270.03497,"end":270.19498,"confidence":0.99894005,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04377236962318421},{"word":"employer","start":270.19498,"end":270.69498,"confidence":0.839189,"punctuated_word":"employer.","sentiment":"neutral","sentiment_score":0.044864896684885025},{"word":"yeah","start":271.97,"end":272.37,"confidence":0.7767384,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.111833356320858},{"word":"perfect","start":272.37,"end":272.87,"confidence":0.9994974,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.037277158349752426},{"word":"now","start":274.53,"end":274.93,"confidence":0.67106736,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.002501687966287136},{"word":"asset","start":274.93,"end":275.33002,"confidence":0.91117054,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.004322098568081856},{"word":"and","start":275.33002,"end":275.57,"confidence":0.99774975,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00988269690424204},{"word":"liabilities","start":275.57,"end":276.07,"confidence":0.984248,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":-0.0006218515336513519},{"word":"wise","start":276.29,"end":276.77,"confidence":0.99380106,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":-0.0021811593323946},{"word":"i","start":276.77,"end":276.93,"confidence":0.9999058,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0003927759826183319},{"word":"have","start":276.93,"end":277.09,"confidence":0.9987955,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.001748314592987299},{"word":"here","start":277.09,"end":277.41,"confidence":0.9980312,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.0040918877348303795},{"word":"that","start":277.41,"end":277.81,"confidence":0.99535286,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0017848345451056955},{"word":"your","start":277.81,"end":278.13,"confidence":0.99931014,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.003096824511885643},{"word":"main","start":278.13,"end":278.37,"confidence":0.9998733,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.0025089140981435776},{"word":"property","start":278.37,"end":278.85,"confidence":0.99981505,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.0011067884042859075},{"word":"was","start":278.85,"end":279.01,"confidence":0.99944705,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.002345374785363674},{"word":"last","start":279.01,"end":279.25,"confidence":0.9006218,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.006196079775691032},{"word":"valued","start":279.25,"end":279.57,"confidence":0.9433843,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":-0.0035514477640390396},{"word":"at","start":279.57,"end":279.73,"confidence":0.9997594,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.00283106230199337},{"word":"about","start":279.73,"end":279.97,"confidence":0.99976736,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.001442600041627884},{"word":"1,800,000.0","start":279.97,"end":281.27,"confidence":0.99862015,"punctuated_word":"1,800,000.0.","sentiment":"neutral","sentiment_score":-0.0001024926095851697},{"word":"is","start":281.65,"end":281.81,"confidence":0.9972198,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.000571924727410078},{"word":"that","start":281.81,"end":282.05,"confidence":0.99995935,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0006500454619526863},{"word":"still","start":282.05,"end":282.29,"confidence":0.9991431,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.03779787942767143},{"word":"the","start":282.29,"end":282.37,"confidence":0.9978732,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.027237478643655777},{"word":"case","start":282.37,"end":282.61002,"confidence":0.8863778,"punctuated_word":"case,","sentiment":"neutral","sentiment_score":-0.030281346291303635},{"word":"or","start":282.61002,"end":282.77,"confidence":0.9901423,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.044659361243247986},{"word":"has","start":282.77,"end":282.93,"confidence":0.8419557,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.035890959203243256},{"word":"that","start":282.93,"end":283.09,"confidence":0.9804411,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03217214718461037},{"word":"gone","start":283.09,"end":283.33002,"confidence":0.99846894,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.04163192585110664},{"word":"up","start":283.33002,"end":283.41,"confidence":0.5421653,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.03459535166621208},{"word":"a","start":283.41,"end":283.57,"confidence":0.9996557,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.045896463096141815},{"word":"little","start":283.57,"end":283.81,"confidence":0.9999032,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.042154595255851746},{"word":"bit","start":283.81,"end":284.13,"confidence":0.997169,"punctuated_word":"bit?","sentiment":"neutral","sentiment_score":-0.03737252950668335},{"word":"do","start":284.13,"end":284.37,"confidence":0.99936205,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.01921461708843708},{"word":"you","start":284.37,"end":284.45,"confidence":0.9997315,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01711224764585495},{"word":"know","start":284.45,"end":284.895,"confidence":0.9982086,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.011829430237412453},{"word":"around","start":287.055,"end":287.29498,"confidence":0.8234895,"punctuated_word":"Around","sentiment":"neutral","sentiment_score":-0.011511840857565405},{"word":"the","start":287.29498,"end":287.455,"confidence":0.9991516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.018150685355067253},{"word":"same","start":287.455,"end":287.69498,"confidence":0.8754107,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":-0.005349061917513609},{"word":"alright","start":287.69498,"end":288.01498,"confidence":0.9869048,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1030566543340683},{"word":"perfect","start":288.01498,"end":288.51498,"confidence":0.99958223,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.30766868591308594},{"word":"i","start":288.655,"end":288.735,"confidence":0.99971086,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1060830131173134},{"word":"do","start":288.735,"end":288.895,"confidence":0.9999465,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10779710114002228},{"word":"have","start":288.895,"end":289.055,"confidence":0.99985576,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0976358875632286},{"word":"here","start":289.055,"end":289.555,"confidence":0.99739325,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.09884625673294067},{"word":"mortgage","start":289.935,"end":290.41498,"confidence":0.99062514,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.17166951298713684},{"word":"of","start":290.41498,"end":290.655,"confidence":0.9995289,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07760155200958252},{"word":"around","start":290.655,"end":291.13498,"confidence":0.99974614,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.04354299604892731},{"word":"800","start":291.13498,"end":291.69498,"confidence":0.9997256,"punctuated_word":"800","sentiment":"neutral","sentiment_score":0.04335042089223862},{"word":"and","start":291.69498,"end":292.19498,"confidence":0.998662,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03745788335800171},{"word":"9,788","start":292.25497,"end":294.595,"confidence":0.9942911,"punctuated_word":"9,788.","sentiment":"neutral","sentiment_score":0.007664378732442856},{"word":"yeah","start":302.67,"end":303.17,"confidence":0.72554564,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01533452421426773},{"word":"how","start":303.71,"end":304.03,"confidence":0.99850696,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.014365989714860916},{"word":"much","start":304.03,"end":304.53,"confidence":0.9998319,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.014975260943174362},{"word":"do","start":304.59,"end":304.75,"confidence":0.9827528,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.019832216203212735},{"word":"you","start":304.75,"end":304.91,"confidence":0.9991216,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005887921899557114},{"word":"reckon","start":304.91,"end":305.41,"confidence":0.9852214,"punctuated_word":"reckon?","sentiment":"neutral","sentiment_score":-0.004539049230515957},{"word":"if","start":311.405,"end":311.645,"confidence":0.73496735,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.001659417524933815},{"word":"it","start":311.645,"end":311.725,"confidence":0.9985435,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.005578767508268356},{"word":"was","start":311.725,"end":311.965,"confidence":0.9996977,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.006990361958742142},{"word":"around","start":311.965,"end":312.365,"confidence":0.99871373,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.0063150376081466675},{"word":"8","start":312.365,"end":312.525,"confidence":0.799108,"punctuated_word":"8","sentiment":"neutral","sentiment_score":0.002537831664085388},{"word":"or","start":312.525,"end":313.025,"confidence":0.60654664,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.004313269630074501},{"word":"yeah","start":313.725,"end":314.205,"confidence":0.9145663,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08093472570180893},{"word":"perfect","start":314.205,"end":314.685,"confidence":0.9945848,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.36651670932769775},{"word":"that'd","start":314.685,"end":314.925,"confidence":0.99687576,"punctuated_word":"That'd","sentiment":"positive","sentiment_score":0.4333469867706299},{"word":"be","start":314.925,"end":315.005,"confidence":0.99980015,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4934845566749573},{"word":"great","start":315.005,"end":315.505,"confidence":0.999895,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.5704325437545776},{"word":"yep","start":318.445,"end":318.945,"confidence":0.9955162,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0350928008556366},{"word":"and","start":323.1,"end":323.34003,"confidence":0.7217665,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.003459155559539795},{"word":"while","start":323.34003,"end":323.5,"confidence":0.97591364,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.012656016275286674},{"word":"you","start":323.5,"end":323.82,"confidence":0.99987936,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.002197328954935074},{"word":"do","start":323.82,"end":324.32,"confidence":0.9993774,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0049830153584480286},{"word":"look","start":324.54,"end":324.78003,"confidence":0.99760485,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.014029012992978096},{"word":"for","start":324.78003,"end":325.02002,"confidence":0.99969256,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.011192591860890388},{"word":"it","start":325.02002,"end":325.52002,"confidence":0.9686116,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.02049338072538376},{"word":"do","start":325.98,"end":326.14,"confidence":0.7176586,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03285687416791916},{"word":"you","start":326.14,"end":326.22,"confidence":0.99601007,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02048970572650433},{"word":"still","start":326.22,"end":326.46002,"confidence":0.9996793,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.045040249824523926},{"word":"have","start":326.46002,"end":326.62003,"confidence":0.9996942,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.018787475302815437},{"word":"the","start":326.62003,"end":326.86002,"confidence":0.99667275,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06424908339977264},{"word":"huge","start":326.86002,"end":327.18,"confidence":0.5983364,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":-0.06716196984052658},{"word":"the","start":327.5,"end":327.74002,"confidence":0.74095553,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.041433751583099365},{"word":"virus","start":327.74002,"end":328.22,"confidence":0.22743902,"punctuated_word":"virus","sentiment":"neutral","sentiment_score":-0.028848886489868164},{"word":"valued","start":328.22,"end":328.54,"confidence":0.46228087,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":-0.05308488383889198},{"word":"at","start":328.54,"end":328.7,"confidence":0.99187076,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.029122980311512947},{"word":"about","start":328.7,"end":328.86002,"confidence":0.9961357,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.03285516798496246},{"word":"55","start":328.86002,"end":329.76,"confidence":0.9955218,"punctuated_word":"55?","sentiment":"neutral","sentiment_score":-0.02332877367734909},{"word":"yep","start":331.42,"end":331.82,"confidence":0.89860654,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.032220229506492615},{"word":"perfect","start":331.82,"end":332.14,"confidence":0.9765327,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.14878122508525848},{"word":"and","start":332.14,"end":332.30002,"confidence":0.9993315,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05522098392248154},{"word":"you","start":332.30002,"end":332.46002,"confidence":0.9998456,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03937513381242752},{"word":"didn't","start":332.46002,"end":332.7,"confidence":0.9628366,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.02372918836772442},{"word":"have","start":332.7,"end":332.86002,"confidence":0.99981624,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0024596378207206726},{"word":"anything","start":332.86002,"end":333.1,"confidence":0.99990344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.026786718517541885},{"word":"owing","start":333.1,"end":333.42,"confidence":0.931048,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":-0.02486880868673325},{"word":"on","start":333.42,"end":333.5,"confidence":0.9964612,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03061045333743095},{"word":"that","start":333.5,"end":333.74002,"confidence":0.99947053,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.012708403170108795},{"word":"one","start":333.74002,"end":334.155,"confidence":0.99178565,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":-0.02568102814257145},{"word":"not","start":335.595,"end":335.755,"confidence":0.29478857,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.24270722270011905},{"word":"cool","start":335.755,"end":336.155,"confidence":0.9902053,"punctuated_word":"cool.","sentiment":"neutral","sentiment_score":-0.1320878565311432},{"word":"also","start":336.155,"end":336.555,"confidence":0.92816645,"punctuated_word":"Also","sentiment":"neutral","sentiment_score":-0.039661407470703125},{"word":"tools","start":336.555,"end":337.035,"confidence":0.60667217,"punctuated_word":"tools","sentiment":"neutral","sentiment_score":-0.0566110834479332},{"word":"of","start":337.035,"end":337.275,"confidence":0.6169693,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0528736338019371},{"word":"about","start":337.275,"end":337.51498,"confidence":0.98693,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.048469409346580505},{"word":"3,000","start":337.51498,"end":338.335,"confidence":0.94343734,"punctuated_word":"3,000?","sentiment":"neutral","sentiment_score":-0.018861206248402596},{"word":"yep","start":342.635,"end":343.135,"confidence":0.988287,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011256612837314606},{"word":"do","start":351.13,"end":351.37003,"confidence":0.6644122,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.0008403584361076355},{"word":"you","start":351.37003,"end":351.45,"confidence":0.9997038,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00396394357085228},{"word":"have","start":351.45,"end":351.69,"confidence":0.99977297,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.003968219272792339},{"word":"any","start":351.69,"end":352.19,"confidence":0.99958605,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.006793417036533356},{"word":"other","start":352.25,"end":352.49002,"confidence":0.9758498,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.0028270334005355835},{"word":"new","start":352.49002,"end":352.81003,"confidence":0.99881506,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.00042627938091754913},{"word":"assets","start":352.81003,"end":353.31003,"confidence":0.998374,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.01161504164338112},{"word":"otherwise","start":353.37003,"end":353.77002,"confidence":0.73423713,"punctuated_word":"otherwise","sentiment":"neutral","sentiment_score":-0.004459851421415806},{"word":"in","start":353.77002,"end":354.01,"confidence":0.98887885,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0005399659276008606},{"word":"the","start":354.01,"end":354.09003,"confidence":0.9993315,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00013130903244018555},{"word":"last","start":354.09003,"end":354.57,"confidence":0.9997807,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.00028743036091327667},{"word":"kind","start":354.57,"end":354.73,"confidence":0.8847427,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.019268428906798363},{"word":"of","start":354.73,"end":354.89,"confidence":0.9993697,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0012782234698534012},{"word":"twelve","start":354.89,"end":355.13,"confidence":0.9988211,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.009756628423929214},{"word":"months","start":355.13,"end":355.53,"confidence":0.86313903,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":-0.00235702283680439},{"word":"any","start":355.53,"end":355.85,"confidence":0.99944407,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.007743587717413902},{"word":"motorbikes","start":355.85,"end":356.35,"confidence":0.99255365,"punctuated_word":"motorbikes","sentiment":"neutral","sentiment_score":0.007561981678009033},{"word":"or","start":356.57,"end":356.81,"confidence":0.8978837,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.006096686236560345},{"word":"boats","start":356.81,"end":357.21002,"confidence":0.9701765,"punctuated_word":"boats","sentiment":"neutral","sentiment_score":0.003316478803753853},{"word":"or","start":357.21002,"end":357.71002,"confidence":0.97967815,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0019925888627767563},{"word":"anything","start":357.93002,"end":358.33002,"confidence":0.9991103,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.002775534987449646},{"word":"else","start":358.33002,"end":358.73,"confidence":0.99871504,"punctuated_word":"else?","sentiment":"neutral","sentiment_score":0.0035432809963822365},{"word":"nah","start":358.73,"end":359.13,"confidence":0.6975529,"punctuated_word":"Nah.","sentiment":"neutral","sentiment_score":0.017178528010845184},{"word":"perfect","start":359.13,"end":359.63,"confidence":0.9904993,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.03640466928482056},{"word":"and","start":361.50497,"end":361.82498,"confidence":0.994321,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.008216802030801773},{"word":"any","start":361.82498,"end":362.06497,"confidence":0.99961627,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.009022085927426817},{"word":"other","start":362.06497,"end":362.465,"confidence":0.9997384,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.006852468475699425},{"word":"liabilities","start":362.465,"end":362.965,"confidence":0.743894,"punctuated_word":"liabilities?","sentiment":"neutral","sentiment_score":0.011644739657640455},{"word":"personal","start":363.185,"end":363.585,"confidence":0.9870287,"punctuated_word":"Personal","sentiment":"neutral","sentiment_score":0.005515705794095993},{"word":"loans","start":363.585,"end":363.905,"confidence":0.97411156,"punctuated_word":"loans,","sentiment":"neutral","sentiment_score":0.0017962348647415638},{"word":"credit","start":363.905,"end":364.145,"confidence":0.9987342,"punctuated_word":"credit","sentiment":"neutral","sentiment_score":0.004296166822314262},{"word":"cards","start":364.145,"end":364.54498,"confidence":0.8221806,"punctuated_word":"cards,","sentiment":"neutral","sentiment_score":0.0014875479973852634},{"word":"zip","start":364.54498,"end":364.78497,"confidence":0.20684397,"punctuated_word":"ZIP","sentiment":"neutral","sentiment_score":-0.004688417539000511},{"word":"pay","start":364.78497,"end":365.28497,"confidence":0.9588517,"punctuated_word":"pay?","sentiment":"neutral","sentiment_score":0.0001335255801677704},{"word":"no","start":367.34497,"end":367.425,"confidence":0.75530255,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.035686030983924866},{"word":"perfect","start":367.425,"end":367.925,"confidence":0.996843,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":-0.0012743407860398293},{"word":"and","start":370.865,"end":371.185,"confidence":0.99922824,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.01817101240158081},{"word":"have","start":371.185,"end":371.34497,"confidence":0.999826,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.021634820848703384},{"word":"you","start":371.34497,"end":371.66498,"confidence":0.9998939,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.024949796497821808},{"word":"ever","start":371.66498,"end":371.905,"confidence":0.99974746,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.007789965718984604},{"word":"been","start":371.905,"end":372.405,"confidence":0.999458,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.02104767225682735},{"word":"declared","start":372.465,"end":372.965,"confidence":0.6381911,"punctuated_word":"declared","sentiment":"neutral","sentiment_score":-0.028724199160933495},{"word":"bankrupt","start":373.025,"end":373.525,"confidence":0.9972168,"punctuated_word":"bankrupt","sentiment":"neutral","sentiment_score":-0.051404956728219986},{"word":"or","start":373.745,"end":373.985,"confidence":0.9740121,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0592641681432724},{"word":"been","start":373.985,"end":374.145,"confidence":0.9794973,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.04204177111387253},{"word":"under","start":374.145,"end":374.465,"confidence":0.99945,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.0561968982219696},{"word":"a","start":374.465,"end":374.54498,"confidence":0.99379444,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04223984107375145},{"word":"part","start":374.54498,"end":374.78497,"confidence":0.88780093,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.031326889991760254},{"word":"nine","start":374.78497,"end":375.10498,"confidence":0.9963207,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":-0.04314187169075012},{"word":"debt","start":375.10498,"end":375.34497,"confidence":0.9835681,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.060591913759708405},{"word":"agreement","start":375.34497,"end":375.84497,"confidence":0.9987578,"punctuated_word":"agreement?","sentiment":"neutral","sentiment_score":-0.03898444026708603},{"word":"alright","start":377.72,"end":377.96,"confidence":0.84784687,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":-0.0007970426231622696},{"word":"perfect","start":377.96,"end":378.46,"confidence":0.99967134,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.08085370808839798},{"word":"were","start":380.75998,"end":381.0,"confidence":0.7420079,"punctuated_word":"Were","sentiment":"neutral","sentiment_score":0.007977951318025589},{"word":"you","start":381.0,"end":381.16,"confidence":0.9996704,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02283942699432373},{"word":"able","start":381.16,"end":381.56,"confidence":0.99993324,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.04534832388162613},{"word":"to","start":381.56,"end":381.8,"confidence":0.9984622,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.038958385586738586},{"word":"access","start":381.8,"end":382.3,"confidence":0.9998957,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.0151376873254776},{"word":"the","start":382.52,"end":382.91998,"confidence":0.9998265,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00675690732896328},{"word":"the","start":382.91998,"end":383.16,"confidence":0.9927866,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.002217363566160202},{"word":"mortgage","start":383.16,"end":383.56,"confidence":0.89080065,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":-0.0009600333869457244},{"word":"or","start":383.56,"end":383.72,"confidence":0.9997522,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.016746196895837784},{"word":"is","start":383.72,"end":383.8,"confidence":0.9839467,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.016403473913669586},{"word":"it","start":383.8,"end":383.96,"confidence":0.99942774,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.019537486135959625},{"word":"a","start":383.96,"end":384.12,"confidence":0.99886525,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04567985236644745},{"word":"bit","start":384.12,"end":384.28,"confidence":0.9993777,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03916698321700096},{"word":"tricky","start":384.28,"end":384.78,"confidence":0.999035,"punctuated_word":"tricky?","sentiment":"neutral","sentiment_score":-0.027996258810162544},{"word":"yeah","start":388.935,"end":389.255,"confidence":0.82824576,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.020441342145204544},{"word":"no","start":389.255,"end":389.655,"confidence":0.98239195,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07780153304338455},{"word":"that's","start":389.655,"end":389.89502,"confidence":0.9995222,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.01935596577823162},{"word":"okay","start":389.89502,"end":390.39502,"confidence":0.99989367,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.049343958497047424},{"word":"are","start":391.73502,"end":391.975,"confidence":0.71431535,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.05025190114974976},{"word":"you","start":391.975,"end":392.055,"confidence":0.9997646,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01896044611930847},{"word":"happy","start":392.055,"end":392.375,"confidence":0.99935704,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.011004239320755003},{"word":"for","start":392.375,"end":392.45502,"confidence":0.9996326,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.021317139267921448},{"word":"me","start":392.45502,"end":392.61502,"confidence":0.9999713,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.004112817347049713},{"word":"to","start":392.61502,"end":392.775,"confidence":0.9996338,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016561374068260193},{"word":"just","start":392.775,"end":392.935,"confidence":0.99956805,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03229738771915436},{"word":"kind","start":392.935,"end":393.095,"confidence":0.97280586,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.08365336805582047},{"word":"of","start":393.095,"end":393.17502,"confidence":0.99983823,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04554743319749832},{"word":"keep","start":393.17502,"end":393.415,"confidence":0.9996923,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.014919094741344452},{"word":"going","start":393.415,"end":393.815,"confidence":0.99976987,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.008571743965148926},{"word":"in","start":393.815,"end":393.89502,"confidence":0.99957937,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.028218619525432587},{"word":"the","start":393.89502,"end":394.055,"confidence":0.9999634,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03390765190124512},{"word":"meantime","start":394.055,"end":394.555,"confidence":0.99922,"punctuated_word":"meantime?","sentiment":"neutral","sentiment_score":-0.011127948760986328},{"word":"yeah","start":395.89502,"end":396.215,"confidence":0.8943059,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06508257985115051},{"word":"yeah","start":396.215,"end":396.535,"confidence":0.986441,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06779148429632187},{"word":"alright","start":396.535,"end":396.935,"confidence":0.9983008,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.11375956237316132},{"word":"perfect","start":396.935,"end":397.435,"confidence":0.9994775,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2044750154018402},{"word":"health","start":398.855,"end":399.17502,"confidence":0.9796973,"punctuated_word":"Health","sentiment":"neutral","sentiment_score":0.19243186712265015},{"word":"and","start":399.17502,"end":399.655,"confidence":0.99982315,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13343089818954468},{"word":"lifestyle","start":399.655,"end":400.155,"confidence":0.99740523,"punctuated_word":"lifestyle","sentiment":"neutral","sentiment_score":0.1624334454536438},{"word":"wise","start":400.295,"end":400.695,"confidence":0.99613816,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.15838131308555603},{"word":"i","start":400.695,"end":400.775,"confidence":0.9996549,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1616111695766449},{"word":"have","start":400.775,"end":400.935,"confidence":0.8545082,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12746068835258484},{"word":"you","start":400.935,"end":401.095,"confidence":0.9995722,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12536513805389404},{"word":"down","start":401.095,"end":401.335,"confidence":0.9945911,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1398482620716095},{"word":"here","start":401.335,"end":401.575,"confidence":0.7945945,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.12592150270938873},{"word":"as","start":401.575,"end":401.73502,"confidence":0.9997141,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0861600786447525},{"word":"a","start":401.73502,"end":401.89502,"confidence":0.99631715,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1062074974179268},{"word":"nonsmoker","start":401.89502,"end":402.39502,"confidence":0.99440455,"punctuated_word":"nonsmoker.","sentiment":"neutral","sentiment_score":0.07477393001317978},{"word":"is","start":402.775,"end":402.935,"confidence":0.99985206,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.05039768666028976},{"word":"that","start":402.935,"end":403.095,"confidence":0.9996655,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0602710023522377},{"word":"still","start":403.095,"end":403.335,"confidence":0.9995615,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.022737491875886917},{"word":"the","start":403.335,"end":403.495,"confidence":0.9332205,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03136339783668518},{"word":"case","start":403.495,"end":403.95,"confidence":0.9965092,"punctuated_word":"case?","sentiment":"neutral","sentiment_score":0.06391929090023041},{"word":"perfect","start":405.55002,"end":406.03,"confidence":0.7504294,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.13349264860153198},{"word":"any","start":406.03,"end":406.35,"confidence":0.99864584,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.05815926566720009},{"word":"changes","start":406.35,"end":406.83002,"confidence":0.9997483,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.07882396876811981},{"word":"to","start":406.83002,"end":406.99002,"confidence":0.9974986,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0878259465098381},{"word":"your","start":406.99002,"end":407.15002,"confidence":0.9976242,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08324990421533585},{"word":"health","start":407.15002,"end":407.47,"confidence":0.9976344,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.09046033769845964},{"word":"in","start":407.47,"end":407.63,"confidence":0.9991748,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05108015239238739},{"word":"the","start":407.63,"end":407.79,"confidence":0.99976104,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02862267754971981},{"word":"last","start":407.79,"end":408.03,"confidence":0.9997851,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02758876606822014},{"word":"twelve","start":408.03,"end":408.27002,"confidence":0.9994093,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.04764494299888611},{"word":"months","start":408.27002,"end":408.77002,"confidence":0.9968113,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":0.05357856675982475},{"word":"no","start":410.27002,"end":410.75,"confidence":0.9536692,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.006323575973510742},{"word":"perfect","start":410.75,"end":411.25,"confidence":0.9940132,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.053597040474414825},{"word":"809,788","start":415.15002,"end":418.61002,"confidence":0.968825,"punctuated_word":"809,788.","sentiment":"neutral","sentiment_score":0.006848031189292669},{"word":"yep","start":425.735,"end":426.235,"confidence":0.9830905,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023804038763046265},{"word":"563","start":428.935,"end":430.455,"confidence":0.9969791,"punctuated_word":"563.","sentiment":"neutral","sentiment_score":0.04296700283885002},{"word":"great","start":430.455,"end":430.775,"confidence":0.99820596,"punctuated_word":"Great.","sentiment":"positive","sentiment_score":0.3839700520038605},{"word":"perfect","start":430.775,"end":431.275,"confidence":0.9998485,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4200983047485352},{"word":"i","start":431.335,"end":431.415,"confidence":0.9999262,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.38308143615722656},{"word":"will","start":431.415,"end":431.655,"confidence":0.99997056,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.42407888174057007},{"word":"update","start":431.655,"end":431.975,"confidence":0.9998454,"punctuated_word":"update","sentiment":"positive","sentiment_score":0.5269027352333069},{"word":"that","start":431.975,"end":432.29498,"confidence":0.99977326,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.3972806334495544},{"word":"thank","start":432.29498,"end":432.455,"confidence":0.9998529,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.42244771122932434},{"word":"you","start":432.455,"end":432.695,"confidence":0.9999107,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5057410001754761},{"word":"so","start":432.695,"end":432.855,"confidence":0.99980885,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.43886619806289673},{"word":"much","start":432.855,"end":433.095,"confidence":0.9999807,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4757359921932221},{"word":"for","start":433.095,"end":433.255,"confidence":0.99945325,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5336853265762329},{"word":"getting","start":433.255,"end":433.575,"confidence":0.9998499,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.5658411979675293},{"word":"that","start":433.575,"end":434.01,"confidence":0.9994585,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.49126535654067993},{"word":"otherwise","start":435.77002,"end":436.17,"confidence":0.9757254,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":0.02646305039525032},{"word":"when","start":436.17,"end":436.41,"confidence":0.9998461,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0030711963772773743},{"word":"it","start":436.41,"end":436.49002,"confidence":0.99961406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03474515676498413},{"word":"comes","start":436.49002,"end":436.73,"confidence":0.9996099,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.03125884756445885},{"word":"to","start":436.73,"end":437.23,"confidence":0.87405527,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012304730713367462},{"word":"estate","start":437.45,"end":437.95,"confidence":0.9018525,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.00655045360326767},{"word":"planning","start":438.17,"end":438.67,"confidence":0.9820436,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.011347290128469467},{"word":"do","start":439.77002,"end":439.85,"confidence":0.9851276,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0208403542637825},{"word":"you","start":439.85,"end":440.01,"confidence":0.9998573,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008890468627214432},{"word":"have","start":440.01,"end":440.17,"confidence":0.99988735,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0016274861991405487},{"word":"a","start":440.17,"end":440.33002,"confidence":0.98900336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0009509846568107604},{"word":"will","start":440.33002,"end":440.57,"confidence":0.8210744,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06668543815612793},{"word":"in","start":440.57,"end":440.81,"confidence":0.9994012,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.019851986318826675},{"word":"place","start":440.81,"end":441.31,"confidence":0.9989357,"punctuated_word":"place?","sentiment":"neutral","sentiment_score":0.036032963544130325},{"word":"no","start":444.49002,"end":444.99002,"confidence":0.93015593,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13387933373451233},{"word":"no","start":445.05002,"end":445.37,"confidence":0.9897478,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.053875602781772614},{"word":"that's","start":445.37,"end":445.69,"confidence":0.9945753,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.31014490127563477},{"word":"okay","start":445.69,"end":446.19,"confidence":0.9993832,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1878432184457779},{"word":"and","start":447.525,"end":447.845,"confidence":0.9782,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.014252426102757454},{"word":"are","start":447.845,"end":448.005,"confidence":0.99908817,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0032042376697063446},{"word":"you","start":448.005,"end":448.505,"confidence":0.99992514,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011749684810638428},{"word":"politically","start":448.805,"end":449.305,"confidence":0.9994873,"punctuated_word":"politically","sentiment":"neutral","sentiment_score":0.009460505098104475},{"word":"involved","start":449.685,"end":450.165,"confidence":0.99990296,"punctuated_word":"involved","sentiment":"neutral","sentiment_score":-0.014286743476986883},{"word":"at","start":450.165,"end":450.245,"confidence":0.9997254,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.012733681127429008},{"word":"all","start":450.245,"end":450.565,"confidence":0.9996636,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.012172231450676918},{"word":"or","start":450.565,"end":450.725,"confidence":0.60397536,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.014139657840132712},{"word":"on","start":450.725,"end":450.885,"confidence":0.32110694,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.018884364515542984},{"word":"any","start":450.885,"end":451.20502,"confidence":0.99839836,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.011484308168292046},{"word":"income","start":451.20502,"end":451.605,"confidence":0.99940085,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.0005584880709648132},{"word":"overseas","start":451.605,"end":452.105,"confidence":0.9655824,"punctuated_word":"overseas?","sentiment":"neutral","sentiment_score":0.015999246388673782},{"word":"that's","start":454.005,"end":454.405,"confidence":0.684796,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.45915430784225464},{"word":"perfect","start":454.405,"end":454.905,"confidence":0.99883807,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.5160520672798157},{"word":"when","start":455.685,"end":455.925,"confidence":0.9450993,"punctuated_word":"When","sentiment":"positive","sentiment_score":0.3757164776325226},{"word":"it","start":455.925,"end":456.005,"confidence":0.9999131,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.38310009241104126},{"word":"comes","start":456.005,"end":456.325,"confidence":0.99982846,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.2875707149505615},{"word":"to","start":456.325,"end":456.725,"confidence":0.9763983,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34378987550735474},{"word":"your","start":456.725,"end":457.045,"confidence":0.9998374,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3701872527599334},{"word":"beneficiary","start":457.045,"end":457.545,"confidence":0.9995956,"punctuated_word":"beneficiary","sentiment":"positive","sentiment_score":0.48114627599716187},{"word":"nominations","start":457.765,"end":458.265,"confidence":0.6421713,"punctuated_word":"nominations,","sentiment":"neutral","sentiment_score":0.3135347366333008},{"word":"so","start":458.405,"end":458.725,"confidence":0.8833046,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2902317941188812},{"word":"in","start":458.725,"end":458.885,"confidence":0.9944243,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3069237172603607},{"word":"the","start":458.885,"end":459.045,"confidence":0.97734606,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3738691210746765},{"word":"event","start":459.045,"end":459.285,"confidence":0.99960953,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.3194863498210907},{"word":"that","start":459.285,"end":459.445,"confidence":0.990221,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.34112349152565},{"word":"something","start":459.445,"end":459.765,"confidence":0.9992455,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.31241291761398315},{"word":"happens","start":459.765,"end":460.245,"confidence":0.99672735,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.3222546875476837},{"word":"to","start":460.245,"end":460.48502,"confidence":0.99970645,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3368196487426758},{"word":"you","start":460.48502,"end":460.98502,"confidence":0.99788386,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.328933447599411},{"word":"i","start":461.12,"end":461.28,"confidence":0.99990904,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4296757578849793},{"word":"have","start":461.28,"end":461.6,"confidence":0.99991906,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.44178712368011475},{"word":"elizabeth","start":461.6,"end":462.1,"confidence":0.99396884,"punctuated_word":"Elizabeth","sentiment":"positive","sentiment_score":0.486968994140625},{"word":"nominated","start":462.24002,"end":462.74002,"confidence":0.99889934,"punctuated_word":"nominated","sentiment":"positive","sentiment_score":0.41654571890830994},{"word":"at","start":462.88,"end":463.04,"confidence":0.99957734,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.33405548334121704},{"word":"a","start":463.04,"end":463.12,"confidence":0.9989278,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.36666640639305115},{"word":"100%","start":463.12,"end":463.84,"confidence":0.9970906,"punctuated_word":"100%.","sentiment":"neutral","sentiment_score":0.314072847366333},{"word":"is","start":463.84,"end":463.92,"confidence":0.55405575,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.21926191449165344},{"word":"that","start":463.92,"end":464.08002,"confidence":0.99987173,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25420063734054565},{"word":"still","start":464.08002,"end":464.32,"confidence":0.9979062,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1766094267368317},{"word":"correct","start":464.32,"end":464.82,"confidence":0.99983597,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.21392959356307983},{"word":"yep","start":466.16,"end":466.66,"confidence":0.7370062,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23518329858779907},{"word":"perfect","start":466.80002,"end":467.30002,"confidence":0.9996184,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5999100208282471},{"word":"and","start":468.80002,"end":469.12,"confidence":0.68256855,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.31530314683914185},{"word":"i","start":469.12,"end":469.28,"confidence":0.99967396,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.311801552772522},{"word":"guess","start":469.28,"end":469.76,"confidence":0.99567676,"punctuated_word":"guess,","sentiment":"positive","sentiment_score":0.3342714309692383},{"word":"otherwise","start":469.76,"end":470.26,"confidence":0.9434458,"punctuated_word":"otherwise,","sentiment":"neutral","sentiment_score":0.2691517472267151},{"word":"kind","start":470.4,"end":470.56,"confidence":0.9891356,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.17505842447280884},{"word":"of","start":470.56,"end":470.72,"confidence":0.9998858,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26182252168655396},{"word":"goals","start":470.72,"end":471.04,"confidence":0.973938,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.23123373091220856},{"word":"that","start":471.04,"end":471.28,"confidence":0.99973005,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2185446321964264},{"word":"you","start":471.28,"end":471.44,"confidence":0.9999367,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29617664217948914},{"word":"are","start":471.44,"end":471.68,"confidence":0.98114794,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.25621312856674194},{"word":"working","start":471.68,"end":472.08002,"confidence":0.9999449,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.3410310745239258},{"word":"towards","start":472.08002,"end":472.58002,"confidence":0.999405,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.3819391429424286},{"word":"in","start":472.80002,"end":473.30002,"confidence":0.99876535,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2851959764957428},{"word":"the","start":473.705,"end":473.945,"confidence":0.9998215,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4023093581199646},{"word":"next","start":473.945,"end":474.445,"confidence":0.99976236,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.22983558475971225},{"word":"twelve","start":474.505,"end":474.985,"confidence":0.9995697,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.29613739252090454},{"word":"months","start":474.985,"end":475.485,"confidence":0.8427299,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.243600994348526},{"word":"last","start":475.545,"end":475.785,"confidence":0.996942,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":0.0850292518734932},{"word":"time","start":475.785,"end":475.945,"confidence":0.9999254,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.11272341012954712},{"word":"we","start":475.945,"end":476.185,"confidence":0.9949622,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09140811860561372},{"word":"spoke","start":476.185,"end":476.685,"confidence":0.99539024,"punctuated_word":"spoke,","sentiment":"neutral","sentiment_score":0.09239667654037476},{"word":"your","start":477.225,"end":477.465,"confidence":0.65583616,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10906843096017838},{"word":"main","start":477.465,"end":477.705,"confidence":0.99988437,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.1256001889705658},{"word":"focus","start":477.705,"end":478.185,"confidence":0.99975985,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.09485700726509094},{"word":"was","start":478.185,"end":478.425,"confidence":0.9879088,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.13207104802131653},{"word":"to","start":478.425,"end":478.585,"confidence":0.9964091,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15632781386375427},{"word":"save","start":478.585,"end":478.825,"confidence":0.9999349,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.11522557586431505},{"word":"a","start":478.825,"end":478.905,"confidence":0.9998135,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.154386967420578},{"word":"bit","start":478.905,"end":478.985,"confidence":0.99993,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11891172081232072},{"word":"of","start":478.985,"end":479.145,"confidence":0.99973637,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17447179555892944},{"word":"money","start":479.145,"end":479.465,"confidence":0.9999348,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.14402949810028076},{"word":"and","start":479.465,"end":479.705,"confidence":0.99597114,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11731520295143127},{"word":"do","start":479.705,"end":479.945,"confidence":0.99763525,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1288442611694336},{"word":"some","start":479.945,"end":480.185,"confidence":0.9990896,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1583804190158844},{"word":"house","start":480.185,"end":480.505,"confidence":0.9984289,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.16912370920181274},{"word":"renovation","start":480.505,"end":481.005,"confidence":0.85135794,"punctuated_word":"renovation.","sentiment":"neutral","sentiment_score":0.17699310183525083},{"word":"try","start":486.52002,"end":486.76,"confidence":0.34977207,"punctuated_word":"Try","sentiment":"neutral","sentiment_score":0.04341685771942139},{"word":"to","start":486.76,"end":486.84003,"confidence":0.80246913,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011482767760753632},{"word":"do","start":486.84003,"end":486.96002,"confidence":0.9991516,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.017722798511385918},{"word":"a","start":486.96002,"end":487.08002,"confidence":0.999577,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012903513386845589},{"word":"little","start":487.08002,"end":487.24002,"confidence":0.99968565,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.009684041142463684},{"word":"bit","start":487.24002,"end":487.48,"confidence":0.99953616,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.015526507049798964},{"word":"of","start":487.48,"end":487.56003,"confidence":0.9990256,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030664801597595215},{"word":"that","start":487.56003,"end":488.06003,"confidence":0.91490775,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.05056846886873245},{"word":"that's","start":489.08002,"end":489.48,"confidence":0.86526513,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.26177188754081726},{"word":"okay","start":489.48,"end":489.98,"confidence":0.9985157,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2079024314880371},{"word":"otherwise","start":490.84003,"end":491.34003,"confidence":0.8707871,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":0.06874673813581467},{"word":"a","start":491.64,"end":491.80002,"confidence":0.999481,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08751872181892395},{"word":"bit","start":491.80002,"end":492.04,"confidence":0.9996985,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0379466786980629},{"word":"more","start":492.04,"end":492.28003,"confidence":0.9997236,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.018244795501232147},{"word":"medium","start":492.28003,"end":492.68002,"confidence":0.9984107,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":0.05335800349712372},{"word":"to","start":492.68002,"end":492.84003,"confidence":0.93284273,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08191230148077011},{"word":"long","start":492.84003,"end":493.16,"confidence":0.6502876,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.14897270500659943},{"word":"term","start":493.16,"end":493.66,"confidence":0.76690453,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":0.16060933470726013},{"word":"we're","start":493.72,"end":493.88,"confidence":0.70820093,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.1466025412082672},{"word":"looking","start":493.88,"end":494.2,"confidence":0.6207343,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.14602705836296082},{"word":"at","start":494.2,"end":494.44,"confidence":0.99944395,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16068123281002045},{"word":"maybe","start":494.44,"end":494.76,"confidence":0.9851869,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.1745540201663971},{"word":"buying","start":494.76,"end":495.08002,"confidence":0.9997259,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.2074565291404724},{"word":"an","start":495.08002,"end":495.48,"confidence":0.9990736,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15508480370044708},{"word":"investment","start":495.48,"end":495.98,"confidence":0.9999249,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1042892038822174},{"word":"property","start":496.12003,"end":496.62003,"confidence":0.9998392,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.17320555448532104},{"word":"and","start":496.68002,"end":497.16,"confidence":0.9919767,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13035324215888977},{"word":"buy","start":497.16,"end":497.40002,"confidence":0.9837187,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.18181811273097992},{"word":"a","start":497.40002,"end":497.64,"confidence":0.9997272,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21470054984092712},{"word":"new","start":497.64,"end":497.88,"confidence":0.9998758,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.19158577919006348},{"word":"car","start":497.88,"end":498.38,"confidence":0.9841897,"punctuated_word":"car.","sentiment":"neutral","sentiment_score":0.1852641403675079},{"word":"is","start":498.68002,"end":498.92,"confidence":0.9985292,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.10793429613113403},{"word":"that","start":498.92,"end":499.08002,"confidence":0.99989796,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1500481218099594},{"word":"still","start":499.08002,"end":499.32,"confidence":0.9986123,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.12141872942447662},{"word":"kind","start":499.32,"end":499.56003,"confidence":0.99327624,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11518993973731996},{"word":"of","start":499.56003,"end":499.80002,"confidence":0.9998615,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16431313753128052},{"word":"the","start":499.80002,"end":499.96002,"confidence":0.99696666,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15553580224514008},{"word":"plans","start":499.96002,"end":500.36002,"confidence":0.9930038,"punctuated_word":"plans","sentiment":"neutral","sentiment_score":0.1590805947780609},{"word":"as","start":500.36002,"end":500.52002,"confidence":0.99992836,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1475338637828827},{"word":"well","start":500.52002,"end":501.02002,"confidence":0.9997161,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.11828151345252992},{"word":"yeah","start":503.285,"end":503.785,"confidence":0.70058095,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.06063603237271309},{"word":"do","start":504.64502,"end":504.885,"confidence":0.79544497,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.029314609244465828},{"word":"you","start":504.885,"end":504.96503,"confidence":0.999863,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05405039340257645},{"word":"have","start":504.96503,"end":505.20502,"confidence":0.99988794,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04265394061803818},{"word":"any","start":505.20502,"end":505.52502,"confidence":0.99990284,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04724159836769104},{"word":"other","start":505.52502,"end":505.845,"confidence":0.99648225,"punctuated_word":"other,","sentiment":"neutral","sentiment_score":0.049485936760902405},{"word":"like","start":505.845,"end":506.005,"confidence":0.9996862,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04614190012216568},{"word":"new","start":506.005,"end":506.24503,"confidence":0.9998548,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.10497136414051056},{"word":"goals","start":506.24503,"end":506.565,"confidence":0.9996613,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.07172581553459167},{"word":"that","start":506.565,"end":506.725,"confidence":0.9992473,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06530697643756866},{"word":"you","start":506.725,"end":506.96503,"confidence":0.99973327,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06738264113664627},{"word":"are","start":506.96503,"end":507.045,"confidence":0.6276086,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06771480292081833},{"word":"working","start":507.045,"end":507.36502,"confidence":0.99951863,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.1198343262076378},{"word":"through","start":507.36502,"end":507.52502,"confidence":0.8401164,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08830668777227402},{"word":"in","start":507.52502,"end":507.605,"confidence":0.9889753,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05883098021149635},{"word":"the","start":507.605,"end":507.765,"confidence":0.99983144,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06297211349010468},{"word":"next","start":507.765,"end":508.08502,"confidence":0.99956626,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.05697070062160492},{"word":"twelve","start":508.08502,"end":508.405,"confidence":0.99831223,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.02618349716067314},{"word":"months","start":508.405,"end":508.80502,"confidence":0.9996991,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.037218302488327026},{"word":"financially","start":508.80502,"end":509.30502,"confidence":0.6705468,"punctuated_word":"financially","sentiment":"neutral","sentiment_score":0.01981380954384804},{"word":"or","start":509.445,"end":509.765,"confidence":0.9923125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.013050161302089691},{"word":"nonfinancially","start":509.765,"end":510.265,"confidence":0.92226756,"punctuated_word":"nonfinancially","sentiment":"neutral","sentiment_score":-0.008434141054749489},{"word":"at","start":510.64502,"end":510.80502,"confidence":0.9982601,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02268575131893158},{"word":"all","start":510.80502,"end":511.30502,"confidence":0.99825037,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.01209198497235775},{"word":"that's","start":516.1,"end":516.34,"confidence":0.99839544,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.01726912520825863},{"word":"the","start":516.34,"end":516.5,"confidence":0.99943465,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015410568565130234},{"word":"main","start":516.5,"end":516.74,"confidence":0.99972624,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.015099052339792252},{"word":"thing","start":516.74,"end":517.06,"confidence":0.89482296,"punctuated_word":"thing?","sentiment":"neutral","sentiment_score":0.006690938025712967},{"word":"okay","start":517.06,"end":517.54,"confidence":0.99890375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.15438321232795715},{"word":"perfect","start":517.54,"end":518.04,"confidence":0.99916875,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3309938311576843},{"word":"now","start":519.3,"end":519.62,"confidence":0.7619007,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06519334018230438},{"word":"the","start":519.62,"end":519.77997,"confidence":0.99676174,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04017284885048866},{"word":"next","start":519.77997,"end":519.94,"confidence":0.9998752,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.03727711737155914},{"word":"thing","start":519.94,"end":520.1,"confidence":0.99962604,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.06410017609596252},{"word":"i","start":520.1,"end":520.26,"confidence":0.99254054,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.024412408471107483},{"word":"do","start":520.26,"end":520.42,"confidence":0.99906856,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01801416277885437},{"word":"wanna","start":520.42,"end":520.74,"confidence":0.9603337,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.05223799869418144},{"word":"quickly","start":520.74,"end":521.06,"confidence":0.9997334,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.059258975088596344},{"word":"run","start":521.06,"end":521.3,"confidence":0.99981016,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.04151807725429535},{"word":"over","start":521.3,"end":521.54,"confidence":0.9995851,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.07035639882087708},{"word":"with","start":521.54,"end":521.7,"confidence":0.9992656,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05422165617346763},{"word":"you","start":521.7,"end":521.86,"confidence":0.99638903,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.07297109067440033},{"word":"adam","start":521.86,"end":522.18,"confidence":0.9499711,"punctuated_word":"Adam,","sentiment":"neutral","sentiment_score":0.058817289769649506},{"word":"it's","start":522.18,"end":522.34,"confidence":0.81199265,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.023628121241927147},{"word":"just","start":522.34,"end":522.58,"confidence":0.99950933,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0011013150215148926},{"word":"a","start":522.58,"end":522.66,"confidence":0.9995882,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010164950042963028},{"word":"bit","start":522.66,"end":522.82,"confidence":0.9999523,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.017828084528446198},{"word":"of","start":522.82,"end":522.9,"confidence":0.99985373,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009219467639923096},{"word":"an","start":522.9,"end":523.06,"confidence":0.9998789,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0003534778952598572},{"word":"updated","start":523.06,"end":523.54,"confidence":0.99902976,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.007763244211673737},{"word":"risk","start":523.54,"end":523.86,"confidence":0.99962986,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.015486076474189758},{"word":"profile","start":523.86,"end":524.36,"confidence":0.83061695,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":-0.021559730172157288},{"word":"and","start":524.58,"end":524.82,"confidence":0.9933848,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.015486054122447968},{"word":"that","start":524.82,"end":524.98,"confidence":0.9989291,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01245957612991333},{"word":"is","start":524.98,"end":525.06,"confidence":0.9961606,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.005875818431377411},{"word":"just","start":525.06,"end":525.3,"confidence":0.9796509,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0021741241216659546},{"word":"simply","start":525.3,"end":525.54,"confidence":0.9459009,"punctuated_word":"simply","sentiment":"neutral","sentiment_score":-0.0046555399894714355},{"word":"to","start":525.54,"end":525.7,"confidence":0.9583113,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01331813633441925},{"word":"see","start":525.7,"end":525.86,"confidence":0.99898833,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0203593447804451},{"word":"if","start":525.86,"end":525.94,"confidence":0.9978131,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.022421736270189285},{"word":"we","start":525.94,"end":526.1,"confidence":0.9444058,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02783450484275818},{"word":"need","start":526.1,"end":526.26,"confidence":0.99913895,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.030554838478565216},{"word":"to","start":526.26,"end":526.34,"confidence":0.9989785,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027010895311832428},{"word":"make","start":526.34,"end":526.5,"confidence":0.9985279,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.012328572571277618},{"word":"any","start":526.5,"end":526.74,"confidence":0.9954426,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03103533387184143},{"word":"changes","start":526.74,"end":527.22,"confidence":0.99571913,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.009664952754974363},{"word":"to","start":527.22,"end":527.38,"confidence":0.955732,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010233066976070404},{"word":"your","start":527.38,"end":527.46,"confidence":0.99113137,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.005925014615058899},{"word":"investment","start":527.46,"end":527.96,"confidence":0.97948474,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.028062544763088223},{"word":"portfolio","start":528.285,"end":528.785,"confidence":0.9989955,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.04237572103738785},{"word":"within","start":529.005,"end":529.40497,"confidence":0.9993932,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.01766400784254074},{"word":"your","start":529.40497,"end":529.90497,"confidence":0.9927719,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.039347171783447266},{"word":"superannuation","start":529.96497,"end":530.46497,"confidence":0.98313224,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.05486718565225601},{"word":"so","start":531.96497,"end":532.20496,"confidence":0.80935997,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05485112220048904},{"word":"there","start":532.20496,"end":532.445,"confidence":0.99920267,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04588297754526138},{"word":"is","start":532.445,"end":532.605,"confidence":0.9996082,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03297608345746994},{"word":"no","start":532.605,"end":532.845,"confidence":0.9976169,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.07039644569158554},{"word":"right","start":532.845,"end":533.005,"confidence":0.999175,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.12378741055727004},{"word":"or","start":533.005,"end":533.165,"confidence":0.99896944,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.12417110055685043},{"word":"wrong","start":533.165,"end":533.485,"confidence":0.9997305,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.1326545625925064},{"word":"answer","start":533.485,"end":533.885,"confidence":0.93911505,"punctuated_word":"answer.","sentiment":"neutral","sentiment_score":-0.13844572007656095},{"word":"it's","start":533.885,"end":533.96497,"confidence":0.96881187,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03024398908019066},{"word":"just","start":533.96497,"end":534.125,"confidence":0.99979097,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06551851332187653},{"word":"whatever","start":534.125,"end":534.445,"confidence":0.9988607,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.11613412201404572},{"word":"you","start":534.445,"end":534.605,"confidence":0.9993223,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07130950689315796},{"word":"feel","start":534.605,"end":534.925,"confidence":0.9998098,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.04842741787433624},{"word":"is","start":534.925,"end":535.165,"confidence":0.9980946,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07395938038825989},{"word":"the","start":535.165,"end":535.325,"confidence":0.9938818,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04134534299373627},{"word":"most","start":535.325,"end":535.805,"confidence":0.99989855,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.04862365126609802},{"word":"appropriate","start":535.805,"end":536.305,"confidence":0.9998908,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":0.03170061111450195},{"word":"for","start":536.445,"end":536.605,"confidence":0.9995258,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02553465962409973},{"word":"you","start":536.605,"end":536.845,"confidence":0.94815934,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.026854440569877625},{"word":"and","start":536.845,"end":537.005,"confidence":0.9992199,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.039698198437690735},{"word":"if","start":537.005,"end":537.165,"confidence":0.9997353,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07950130105018616},{"word":"it","start":537.165,"end":537.325,"confidence":0.9986033,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10038866847753523},{"word":"doesn't","start":537.325,"end":537.64496,"confidence":0.9999401,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.10910701751708984},{"word":"make","start":537.64496,"end":537.805,"confidence":0.9992524,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.12974399328231812},{"word":"sense","start":537.805,"end":538.20496,"confidence":0.9991663,"punctuated_word":"sense,","sentiment":"neutral","sentiment_score":-0.12249979376792908},{"word":"just","start":538.20496,"end":538.445,"confidence":0.9997441,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0950026884675026},{"word":"let","start":538.445,"end":538.605,"confidence":0.9998728,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.08870678395032883},{"word":"me","start":538.605,"end":538.76495,"confidence":0.99975425,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.05574730038642883},{"word":"know","start":538.76495,"end":539.26495,"confidence":0.99914503,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.06788413226604462},{"word":"now","start":541.34,"end":541.74,"confidence":0.9844136,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.004084162414073944},{"word":"have","start":541.74,"end":541.9,"confidence":0.9957065,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.009767308831214905},{"word":"you","start":541.9,"end":542.06,"confidence":0.9999012,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008293494582176208},{"word":"ever","start":542.06,"end":542.38,"confidence":0.9987362,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.01945759914815426},{"word":"bought","start":542.38,"end":542.77997,"confidence":0.54768145,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.008801616728305817},{"word":"direct","start":542.77997,"end":543.26,"confidence":0.90009266,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":-0.02278946340084076},{"word":"shares","start":543.26,"end":543.66,"confidence":0.9322675,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.0018066354095935824},{"word":"yourself","start":543.66,"end":544.16,"confidence":0.99880815,"punctuated_word":"yourself?","sentiment":"neutral","sentiment_score":0.002477794885635376},{"word":"no","start":548.62,"end":549.12,"confidence":0.77720785,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04887555539608002},{"word":"perfect","start":549.26,"end":549.76,"confidence":0.988304,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.046500276774168015},{"word":"next","start":550.38,"end":550.77997,"confidence":0.9740579,"punctuated_word":"Next","sentiment":"neutral","sentiment_score":-0.08788884431123734},{"word":"is","start":550.77997,"end":551.1,"confidence":0.9978461,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.048042938113212585},{"word":"in","start":551.1,"end":551.34,"confidence":0.9992022,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05046506226062775},{"word":"regards","start":551.34,"end":551.82,"confidence":0.99926025,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.050272054970264435},{"word":"to","start":551.82,"end":552.22,"confidence":0.9794574,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.042319878935813904},{"word":"inflation","start":552.22,"end":552.72,"confidence":0.98640656,"punctuated_word":"inflation.","sentiment":"neutral","sentiment_score":-0.07022741436958313},{"word":"so","start":553.26,"end":553.76,"confidence":0.98989546,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08787937462329865},{"word":"inflation","start":554.095,"end":554.415,"confidence":0.99377453,"punctuated_word":"inflation","sentiment":"neutral","sentiment_score":-0.10511205345392229},{"word":"means","start":554.415,"end":554.735,"confidence":0.9999018,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.08853372931480408},{"word":"that","start":554.735,"end":554.975,"confidence":0.9927285,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09669823944568634},{"word":"things","start":554.975,"end":555.295,"confidence":0.9972371,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.1487591117620468},{"word":"are","start":555.295,"end":555.455,"confidence":0.9998796,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.11497317254543304},{"word":"getting","start":555.455,"end":555.775,"confidence":0.9999236,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.14937350153923035},{"word":"more","start":555.775,"end":556.095,"confidence":0.99989974,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.15311436355113983},{"word":"expensive","start":556.095,"end":556.595,"confidence":0.9998233,"punctuated_word":"expensive","sentiment":"neutral","sentiment_score":-0.15064796805381775},{"word":"over","start":556.735,"end":556.975,"confidence":0.994495,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.14388948678970337},{"word":"time","start":556.975,"end":557.475,"confidence":0.9351156,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.1365884691476822},{"word":"kind","start":557.695,"end":557.855,"confidence":0.9653925,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.14241477847099304},{"word":"of","start":557.855,"end":558.015,"confidence":0.9998771,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18262764811515808},{"word":"making","start":558.015,"end":558.255,"confidence":0.99868065,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.2147981822490692},{"word":"your","start":558.255,"end":558.415,"confidence":0.9969529,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1752375364303589},{"word":"money","start":558.415,"end":558.735,"confidence":0.99991167,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.13282924890518188},{"word":"worth","start":558.735,"end":558.975,"confidence":0.9740538,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.19155675172805783},{"word":"less","start":558.975,"end":559.215,"confidence":0.8856298,"punctuated_word":"less,","sentiment":"neutral","sentiment_score":-0.16938725113868713},{"word":"and","start":559.215,"end":559.455,"confidence":0.9992865,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18020643293857577},{"word":"everything","start":559.455,"end":559.855,"confidence":0.99983156,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.1913551688194275},{"word":"is","start":559.855,"end":560.095,"confidence":0.9995441,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.18022005259990692},{"word":"costing","start":560.095,"end":560.495,"confidence":0.99988246,"punctuated_word":"costing","sentiment":"neutral","sentiment_score":-0.1659318506717682},{"word":"a","start":560.495,"end":560.575,"confidence":0.99985325,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21354418992996216},{"word":"little","start":560.575,"end":560.815,"confidence":0.99994516,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.1673155426979065},{"word":"bit","start":560.815,"end":561.055,"confidence":0.99986184,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2124025821685791},{"word":"more","start":561.055,"end":561.555,"confidence":0.9997803,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":-0.16092827916145325},{"word":"now","start":562.095,"end":562.575,"confidence":0.9993345,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.08622193336486816},{"word":"how","start":562.575,"end":562.735,"confidence":0.9969963,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.0880570039153099},{"word":"much","start":562.735,"end":563.055,"confidence":0.99985826,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.1299823820590973},{"word":"of","start":563.055,"end":563.295,"confidence":0.9997533,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12768691778182983},{"word":"a","start":563.295,"end":563.615,"confidence":0.9997191,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12253910303115843},{"word":"risk","start":563.615,"end":564.115,"confidence":0.99976104,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.1791289448738098},{"word":"are","start":564.175,"end":564.415,"confidence":0.99977154,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.15495680272579193},{"word":"you","start":564.415,"end":564.575,"confidence":0.99981636,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14388415217399597},{"word":"willing","start":564.575,"end":565.055,"confidence":0.99988985,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":-0.18644489347934723},{"word":"to","start":565.055,"end":565.295,"confidence":0.99802655,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15181630849838257},{"word":"take","start":565.295,"end":565.695,"confidence":0.9996294,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.1705045849084854},{"word":"in","start":565.695,"end":565.855,"confidence":0.9971697,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.15671546757221222},{"word":"order","start":565.855,"end":566.175,"confidence":0.99993455,"punctuated_word":"order","sentiment":"neutral","sentiment_score":-0.15574440360069275},{"word":"to","start":566.175,"end":566.255,"confidence":0.99934644,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12162373960018158},{"word":"try","start":566.255,"end":566.495,"confidence":0.89454716,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.11197596788406372},{"word":"to","start":566.495,"end":566.735,"confidence":0.54447466,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12530380487442017},{"word":"keep","start":566.735,"end":567.055,"confidence":0.9998185,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.15424379706382751},{"word":"up","start":567.055,"end":567.375,"confidence":0.99950004,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1742185354232788},{"word":"with","start":567.375,"end":567.875,"confidence":0.9996123,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.19841304421424863},{"word":"the","start":568.12,"end":568.36005,"confidence":0.99932504,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14356672763824463},{"word":"rising","start":568.36005,"end":568.86005,"confidence":0.997771,"punctuated_word":"rising","sentiment":"neutral","sentiment_score":-0.1350821703672409},{"word":"prices","start":568.92004,"end":569.42004,"confidence":0.997799,"punctuated_word":"prices","sentiment":"neutral","sentiment_score":-0.15001767873764038},{"word":"when","start":569.48004,"end":569.80005,"confidence":0.9990019,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.08840705454349518},{"word":"it","start":569.80005,"end":569.88,"confidence":0.9998394,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0630035400390625},{"word":"comes","start":569.88,"end":570.28,"confidence":0.99966,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.04529162496328354},{"word":"to","start":570.28,"end":570.52,"confidence":0.9987857,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0821666270494461},{"word":"your","start":570.52,"end":570.92004,"confidence":0.9988918,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12404225021600725},{"word":"superannuation","start":570.92004,"end":571.42004,"confidence":0.96980965,"punctuated_word":"superannuation?","sentiment":"neutral","sentiment_score":-0.03188518434762955},{"word":"would","start":573.24005,"end":573.48004,"confidence":0.6164869,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.10369209200143814},{"word":"you","start":573.48004,"end":573.72003,"confidence":0.99961483,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09478329122066498},{"word":"say","start":573.72003,"end":574.22003,"confidence":0.9996213,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.09312336146831512},{"word":"very","start":574.36005,"end":574.76,"confidence":0.8537226,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.11822544038295746},{"word":"high","start":574.76,"end":575.08,"confidence":0.99923587,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.12991079688072205},{"word":"risk","start":575.08,"end":575.58,"confidence":0.99325,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.12380975484848022},{"word":"high","start":575.88,"end":576.28,"confidence":0.8486769,"punctuated_word":"high,","sentiment":"neutral","sentiment_score":-0.10901129245758057},{"word":"moderate","start":576.28,"end":576.78,"confidence":0.95702946,"punctuated_word":"moderate,","sentiment":"neutral","sentiment_score":-0.10727959871292114},{"word":"or","start":577.08,"end":577.32,"confidence":0.9972784,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.10563023388385771},{"word":"a","start":577.32,"end":577.4,"confidence":0.9957033,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10323037952184676},{"word":"small","start":577.4,"end":577.72003,"confidence":0.9999287,"punctuated_word":"small","sentiment":"neutral","sentiment_score":-0.08249782025814056},{"word":"amount","start":577.72003,"end":577.96,"confidence":0.99986124,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.11321358382701874},{"word":"of","start":577.96,"end":578.12,"confidence":0.99906975,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12868252396583557},{"word":"risk","start":578.12,"end":578.44,"confidence":0.9982181,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.13069339096546173},{"word":"in","start":578.44,"end":578.60004,"confidence":0.9956268,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1134692132472992},{"word":"order","start":578.60004,"end":578.84,"confidence":0.99973136,"punctuated_word":"order","sentiment":"neutral","sentiment_score":-0.1165001094341278},{"word":"to","start":578.84,"end":579.0,"confidence":0.99700207,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0967707335948944},{"word":"try","start":579.0,"end":579.24005,"confidence":0.9560946,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.08739365637302399},{"word":"to","start":579.24005,"end":579.56,"confidence":0.9455202,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09751155972480774},{"word":"keep","start":579.56,"end":579.80005,"confidence":0.9986885,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.07305186986923218},{"word":"up","start":579.80005,"end":580.04004,"confidence":0.9804406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.09578238427639008},{"word":"pace","start":580.04004,"end":580.36005,"confidence":0.96284944,"punctuated_word":"pace","sentiment":"neutral","sentiment_score":-0.09534299373626708},{"word":"with","start":580.36005,"end":580.68,"confidence":0.99890625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.13608624041080475},{"word":"inflation","start":580.68,"end":581.18,"confidence":0.99644476,"punctuated_word":"inflation?","sentiment":"neutral","sentiment_score":-0.0870715007185936},{"word":"yeah","start":589.605,"end":590.105,"confidence":0.9646623,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1184324473142624},{"word":"a","start":594.82,"end":594.98004,"confidence":0.9478109,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.08676323294639587},{"word":"bit","start":594.98004,"end":595.48004,"confidence":0.9904783,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.13186955451965332},{"word":"medium","start":598.26,"end":598.58,"confidence":0.97257215,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":-0.040354106575250626},{"word":"or","start":598.58,"end":598.74,"confidence":0.5535718,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.040598757565021515},{"word":"low","start":598.74,"end":599.14,"confidence":0.93898535,"punctuated_word":"low?","sentiment":"neutral","sentiment_score":-0.040376994758844376},{"word":"okay","start":599.14,"end":599.64,"confidence":0.9986358,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07345709204673767},{"word":"perfect","start":599.7,"end":600.2,"confidence":0.99814844,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3405698239803314},{"word":"and","start":602.34,"end":602.84,"confidence":0.996628,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06527157872915268},{"word":"how","start":603.3,"end":603.8,"confidence":0.9982451,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.011288262903690338},{"word":"would","start":604.18,"end":604.42,"confidence":0.9978302,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.005061283707618713},{"word":"you","start":604.42,"end":604.74,"confidence":0.99876714,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07238181680440903},{"word":"feel","start":604.74,"end":605.06,"confidence":0.99889946,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.01054144650697708},{"word":"about","start":605.06,"end":605.38,"confidence":0.99770516,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04987829923629761},{"word":"volatility","start":605.38,"end":605.88,"confidence":0.80085504,"punctuated_word":"volatility?","sentiment":"neutral","sentiment_score":0.0005872324109077454},{"word":"so","start":606.70496,"end":607.02496,"confidence":0.8295078,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05799050256609917},{"word":"if","start":607.02496,"end":607.505,"confidence":0.9352268,"punctuated_word":"if,","sentiment":"neutral","sentiment_score":-0.07051381468772888},{"word":"let's","start":607.505,"end":607.825,"confidence":0.9819667,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.06715159118175507},{"word":"say","start":607.825,"end":608.14496,"confidence":0.98420095,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.013304300606250765},{"word":"six","start":608.14496,"end":608.385,"confidence":0.9996511,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.04587821662425995},{"word":"months","start":608.385,"end":608.70496,"confidence":0.9997639,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.003565870225429535},{"word":"after","start":608.70496,"end":609.02496,"confidence":0.9973145,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.03991655260324478},{"word":"placing","start":609.02496,"end":609.345,"confidence":0.99922884,"punctuated_word":"placing","sentiment":"neutral","sentiment_score":-0.05251375585794449},{"word":"an","start":609.345,"end":609.58496,"confidence":0.9977824,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.03424984961748123},{"word":"investment","start":609.58496,"end":610.08496,"confidence":0.94237196,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":-0.02498370036482811},{"word":"you","start":611.02496,"end":611.265,"confidence":0.9905365,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012193992733955383},{"word":"found","start":611.265,"end":611.505,"confidence":0.981676,"punctuated_word":"found","sentiment":"neutral","sentiment_score":-0.029598146677017212},{"word":"out","start":611.505,"end":611.745,"confidence":0.9996977,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.006936609745025635},{"word":"that","start":611.745,"end":611.90497,"confidence":0.9997714,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.046429410576820374},{"word":"your","start":611.90497,"end":612.14496,"confidence":0.9997825,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.21414145827293396},{"word":"portfolio","start":612.14496,"end":612.64496,"confidence":0.9996878,"punctuated_word":"portfolio","sentiment":"negative","sentiment_score":-0.42581844329833984},{"word":"has","start":612.785,"end":613.185,"confidence":0.99853075,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.18583115935325625},{"word":"decreased","start":613.185,"end":613.685,"confidence":0.99964416,"punctuated_word":"decreased","sentiment":"neutral","sentiment_score":-0.20607435703277588},{"word":"by","start":613.825,"end":614.14496,"confidence":0.99953973,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.16698057949543},{"word":"20%","start":614.14496,"end":615.125,"confidence":0.9981035,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":-0.23828676342964172},{"word":"due","start":616.065,"end":616.305,"confidence":0.59733295,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.22348232567310333},{"word":"to","start":616.305,"end":616.545,"confidence":0.9990798,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1471678614616394},{"word":"general","start":616.545,"end":617.045,"confidence":0.9994879,"punctuated_word":"general","sentiment":"neutral","sentiment_score":-0.1804145723581314},{"word":"trends","start":617.105,"end":617.605,"confidence":0.969647,"punctuated_word":"trends","sentiment":"neutral","sentiment_score":-0.22235365211963656},{"word":"in","start":617.745,"end":617.985,"confidence":0.99971944,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.17143823206424713},{"word":"their","start":617.985,"end":618.305,"confidence":0.6165395,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.21513620018959043},{"word":"financial","start":618.305,"end":618.805,"confidence":0.99984574,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.2007012963294983},{"word":"market","start":618.945,"end":619.445,"confidence":0.9053075,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.17889830470085144},{"word":"now","start":620.3,"end":620.66,"confidence":0.99967575,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.0524040162563324},{"word":"would","start":620.66,"end":621.01996,"confidence":0.9915891,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.016984544694423676},{"word":"you","start":621.01996,"end":621.51996,"confidence":0.9998839,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007846750319004059},{"word":"try","start":622.13995,"end":622.45996,"confidence":0.5142095,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.0017348825931549072},{"word":"to","start":622.45996,"end":622.54,"confidence":0.9809964,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01821218430995941},{"word":"take","start":622.54,"end":622.86,"confidence":0.9998456,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.018576711416244507},{"word":"advantage","start":622.86,"end":623.36,"confidence":0.9989889,"punctuated_word":"advantage","sentiment":"neutral","sentiment_score":0.046616099774837494},{"word":"of","start":623.42,"end":623.57996,"confidence":0.9997701,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02547309547662735},{"word":"that","start":623.57996,"end":623.89996,"confidence":0.9419532,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.016716983169317245},{"word":"i","start":623.89996,"end":624.06,"confidence":0.7625379,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0505218431353569},{"word":"think","start":624.06,"end":624.3,"confidence":0.99968076,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.18101321160793304},{"word":"that","start":624.3,"end":624.54,"confidence":0.99885917,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1274348497390747},{"word":"now","start":624.54,"end":624.77997,"confidence":0.9985266,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.03776443004608154},{"word":"is","start":624.77997,"end":625.01996,"confidence":0.9939255,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16521447896957395},{"word":"potentially","start":625.01996,"end":625.51996,"confidence":0.99241346,"punctuated_word":"potentially","sentiment":"positive","sentiment_score":0.4206135869026184},{"word":"a","start":625.66,"end":625.82,"confidence":0.9998704,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.33330297470092773},{"word":"good","start":625.82,"end":626.13995,"confidence":0.9999502,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4364950656890869},{"word":"time","start":626.13995,"end":626.54,"confidence":0.9997532,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.39167001843452454},{"word":"to","start":626.54,"end":626.86,"confidence":0.9989525,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23559753596782684},{"word":"invest","start":626.86,"end":627.36,"confidence":0.9996861,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.15698906779289246},{"word":"a","start":627.42,"end":627.57996,"confidence":0.9992176,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17597192525863647},{"word":"little","start":627.57996,"end":627.82,"confidence":0.99993575,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1321791112422943},{"word":"bit","start":627.82,"end":627.98,"confidence":0.9997193,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10708647221326828},{"word":"more","start":627.98,"end":628.3,"confidence":0.99942625,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.08941583335399628},{"word":"while","start":628.3,"end":628.54,"confidence":0.9985801,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.07582344859838486},{"word":"the","start":628.54,"end":628.77997,"confidence":0.9985519,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.049898989498615265},{"word":"prices","start":628.77997,"end":629.26,"confidence":0.99970406,"punctuated_word":"prices","sentiment":"neutral","sentiment_score":-0.013860240578651428},{"word":"are","start":629.26,"end":629.5,"confidence":0.99856997,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02497468888759613},{"word":"down","start":629.5,"end":630.0,"confidence":0.79922676,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.0304144024848938},{"word":"or","start":630.69995,"end":631.1,"confidence":0.99656445,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.016999386250972748},{"word":"would","start":631.1,"end":631.26,"confidence":0.9995882,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.008282072842121124},{"word":"you","start":631.26,"end":631.74,"confidence":0.99985456,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01003938913345337},{"word":"kind","start":631.74,"end":631.89996,"confidence":0.98863786,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.004159681499004364},{"word":"of","start":631.89996,"end":632.13995,"confidence":0.99979085,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00746358186006546},{"word":"hold","start":632.13995,"end":632.62,"confidence":0.87612486,"punctuated_word":"hold,","sentiment":"neutral","sentiment_score":-0.03813545033335686},{"word":"wait","start":632.62,"end":632.94,"confidence":0.99862576,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.015180878341197968},{"word":"to","start":632.94,"end":633.1,"confidence":0.9709864,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.006133459508419037},{"word":"see","start":633.1,"end":633.33997,"confidence":0.9999354,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0092620849609375},{"word":"what","start":633.33997,"end":633.5,"confidence":0.995362,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.003988161683082581},{"word":"happens","start":633.5,"end":634.0,"confidence":0.7748208,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":-0.0066469889134168625},{"word":"or","start":634.805,"end":634.96497,"confidence":0.9978405,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.017310358583927155},{"word":"would","start":634.96497,"end":635.125,"confidence":0.9996785,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.013268955051898956},{"word":"you","start":635.125,"end":635.20496,"confidence":0.9998758,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.009172745048999786},{"word":"want","start":635.20496,"end":635.52496,"confidence":0.99959725,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.010957501828670502},{"word":"to","start":635.52496,"end":635.76495,"confidence":0.999127,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.035332679748535156},{"word":"shift","start":635.76495,"end":636.245,"confidence":0.9994105,"punctuated_word":"shift","sentiment":"neutral","sentiment_score":-0.02039187401533127},{"word":"through","start":636.245,"end":636.565,"confidence":0.6546265,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.031431879848241806},{"word":"a","start":636.565,"end":636.725,"confidence":0.99938107,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.016837231814861298},{"word":"more","start":636.725,"end":637.045,"confidence":0.9987953,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.027453206479549408},{"word":"secure","start":637.045,"end":637.44495,"confidence":0.99280846,"punctuated_word":"secure","sentiment":"neutral","sentiment_score":-0.01084759086370468},{"word":"asset","start":637.44495,"end":637.94495,"confidence":0.7624742,"punctuated_word":"asset,","sentiment":"neutral","sentiment_score":0.0019770972430706024},{"word":"but","start":638.40497,"end":638.565,"confidence":0.5058532,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.011774688959121704},{"word":"that","start":638.565,"end":638.64496,"confidence":0.99206525,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06351961195468903},{"word":"means","start":638.64496,"end":638.88495,"confidence":0.99964297,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.08038285374641418},{"word":"then","start":638.88495,"end":639.045,"confidence":0.75542766,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.020570747554302216},{"word":"you","start":639.045,"end":639.20496,"confidence":0.99469817,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06678004562854767},{"word":"are","start":639.20496,"end":639.285,"confidence":0.97638357,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.09270012378692628},{"word":"then","start":639.285,"end":639.52496,"confidence":0.96220386,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.08993930369615555},{"word":"selling","start":639.52496,"end":640.02496,"confidence":0.99883085,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.10494837164878844},{"word":"when","start":640.565,"end":640.88495,"confidence":0.92107046,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.1197681799530983},{"word":"the","start":640.88495,"end":641.045,"confidence":0.99935013,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1456694453954697},{"word":"prices","start":641.045,"end":641.365,"confidence":0.9994456,"punctuated_word":"prices","sentiment":"neutral","sentiment_score":-0.18470588326454165},{"word":"have","start":641.365,"end":641.52496,"confidence":0.99953306,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.15842744708061218},{"word":"already","start":641.52496,"end":641.925,"confidence":0.9988977,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.12379010021686554},{"word":"dropped","start":641.925,"end":642.425,"confidence":0.9580419,"punctuated_word":"dropped?","sentiment":"neutral","sentiment_score":-0.07599484920501709},{"word":"it's","start":653.45996,"end":653.54,"confidence":0.6780431,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.21216557919979095},{"word":"a","start":653.54,"end":653.62,"confidence":0.9979965,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23532170057296753},{"word":"bit","start":653.62,"end":653.77997,"confidence":0.99904317,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.24978667497634888},{"word":"tricky","start":653.77997,"end":654.1,"confidence":0.99974424,"punctuated_word":"tricky","sentiment":"neutral","sentiment_score":-0.21884943544864657},{"word":"because","start":654.1,"end":654.26,"confidence":0.79626036,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.32951292395591736},{"word":"obviously","start":654.26,"end":654.66,"confidence":0.9997866,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.32016420364379883},{"word":"it","start":654.66,"end":654.74,"confidence":0.9573192,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3121694028377533},{"word":"depends","start":654.74,"end":655.14,"confidence":0.99977285,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.28419217467308044},{"word":"on","start":655.14,"end":655.22,"confidence":0.99964535,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2759864628314972},{"word":"what's","start":655.22,"end":655.45996,"confidence":0.99977255,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.29513055086135864},{"word":"going","start":655.45996,"end":655.7,"confidence":0.9997681,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.2865329682826996},{"word":"on","start":655.7,"end":656.2,"confidence":0.9984273,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.21142947673797607},{"word":"so","start":658.5,"end":659.0,"confidence":0.84639037,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0300394669175148},{"word":"exactly","start":660.45496,"end":660.95496,"confidence":0.79310256,"punctuated_word":"exactly.","sentiment":"neutral","sentiment_score":-0.022928543388843536},{"word":"would","start":661.975,"end":662.13495,"confidence":0.9947465,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.05702871084213257},{"word":"you","start":662.13495,"end":662.295,"confidence":0.9992913,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0450374037027359},{"word":"say","start":662.295,"end":662.795,"confidence":0.9978908,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.055001866072416306},{"word":"kind","start":663.095,"end":663.175,"confidence":0.8994794,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.047642890363931656},{"word":"of","start":663.175,"end":663.415,"confidence":0.99987483,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06045923009514809},{"word":"somewhere","start":663.415,"end":663.89496,"confidence":0.99604106,"punctuated_word":"somewhere","sentiment":"neutral","sentiment_score":-0.06997847557067871},{"word":"in","start":663.89496,"end":664.055,"confidence":0.9998373,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06839469820261002},{"word":"the","start":664.055,"end":664.21497,"confidence":0.9998265,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04844405874609947},{"word":"middle","start":664.21497,"end":664.71497,"confidence":0.71415186,"punctuated_word":"middle,","sentiment":"neutral","sentiment_score":-0.05695602670311928},{"word":"hold","start":666.935,"end":667.255,"confidence":0.9297331,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.07053790241479874},{"word":"and","start":667.255,"end":667.495,"confidence":0.9792964,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0901336818933487},{"word":"wait","start":667.495,"end":667.815,"confidence":0.9996829,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.06803756952285767},{"word":"to","start":667.815,"end":667.975,"confidence":0.9984004,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07700599730014801},{"word":"see","start":667.975,"end":668.13495,"confidence":0.9999392,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.06145254522562027},{"word":"what","start":668.13495,"end":668.375,"confidence":0.99989593,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06361831724643707},{"word":"happens","start":668.375,"end":668.855,"confidence":0.7297486,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":-0.0488847941160202},{"word":"and","start":668.855,"end":669.095,"confidence":0.9992506,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.041519250720739365},{"word":"then","start":669.095,"end":669.33496,"confidence":0.99975044,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.022016972303390503},{"word":"maybe","start":669.33496,"end":669.65497,"confidence":0.9872705,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.01747143268585205},{"word":"sometimes","start":669.65497,"end":670.13495,"confidence":0.93661505,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.02139398828148842},{"word":"invest","start":670.13495,"end":670.45496,"confidence":0.98641473,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":-0.03488914668560028},{"word":"a","start":670.45496,"end":670.535,"confidence":0.9989986,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.027241693809628487},{"word":"little","start":670.535,"end":670.77496,"confidence":0.99991715,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.02012396603822708},{"word":"bit","start":670.77496,"end":671.01495,"confidence":0.95466304,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.02673332579433918},{"word":"sometimes","start":671.01495,"end":671.495,"confidence":0.9976349,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.04010531306266785},{"word":"sell","start":671.495,"end":671.735,"confidence":0.9066456,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.039621368050575256},{"word":"out","start":671.735,"end":671.975,"confidence":0.9592393,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.051524095237255096},{"word":"depending","start":671.975,"end":672.45496,"confidence":0.8275378,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.04939894378185272},{"word":"on","start":672.45496,"end":672.95496,"confidence":0.9253665,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.06843872368335724},{"word":"i","start":673.57,"end":673.64996,"confidence":0.99322915,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0689907968044281},{"word":"guess","start":673.64996,"end":673.88995,"confidence":0.9918873,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.07421223819255829},{"word":"forecasting","start":673.88995,"end":674.38995,"confidence":0.99898857,"punctuated_word":"forecasting","sentiment":"neutral","sentiment_score":-0.0821705013513565},{"word":"and","start":674.45,"end":674.61,"confidence":0.95896834,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10240862518548964},{"word":"stuff","start":674.61,"end":674.85,"confidence":0.9998648,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.11513802409172058},{"word":"like","start":674.85,"end":675.01,"confidence":0.99985623,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1036236360669136},{"word":"that","start":675.01,"end":675.51,"confidence":0.7947731,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.050072915852069855},{"word":"yep","start":678.20996,"end":678.70996,"confidence":0.9840189,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05563489720225334},{"word":"yep","start":679.01,"end":679.49,"confidence":0.9079628,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03653044253587723},{"word":"okay","start":679.49,"end":679.99,"confidence":0.9982089,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.026719417423009872},{"word":"next","start":684.05,"end":684.55,"confidence":0.51615965,"punctuated_word":"Next","sentiment":"neutral","sentiment_score":-0.010074954479932783},{"word":"up","start":684.69,"end":685.08997,"confidence":0.99454224,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.006685387343168259},{"word":"is","start":685.08997,"end":685.58997,"confidence":0.9994246,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0006848685443401337},{"word":"in","start":686.29,"end":686.52997,"confidence":0.9695459,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0007754787802696228},{"word":"regards","start":686.52997,"end":687.02997,"confidence":0.99974245,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.0014247819781303406},{"word":"to","start":687.565,"end":687.725,"confidence":0.94147116,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00830511748790741},{"word":"fluctuations","start":687.725,"end":688.225,"confidence":0.9997259,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":-0.007869653403759003},{"word":"in","start":688.605,"end":689.005,"confidence":0.9979989,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04457367584109306},{"word":"superannuation","start":689.005,"end":689.505,"confidence":0.9220412,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":-0.02069104090332985},{"word":"so","start":690.20496,"end":690.70496,"confidence":0.9990295,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0361277237534523},{"word":"have","start":690.845,"end":691.005,"confidence":0.98166156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.051482994109392166},{"word":"you","start":691.005,"end":691.165,"confidence":0.9993174,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.044130247086286545},{"word":"ever","start":691.165,"end":691.32495,"confidence":0.9982664,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.012309517711400986},{"word":"noticed","start":691.32495,"end":691.725,"confidence":0.99621046,"punctuated_word":"noticed","sentiment":"neutral","sentiment_score":-0.03372812643647194},{"word":"your","start":691.725,"end":692.045,"confidence":0.9976605,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.11076556146144868},{"word":"superannuation","start":692.045,"end":692.545,"confidence":0.9995571,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.08799367398023605},{"word":"obviously","start":693.245,"end":693.725,"confidence":0.6002332,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.12786921858787537},{"word":"fall","start":693.725,"end":694.045,"confidence":0.78417677,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":-0.07421578466892242},{"word":"in","start":694.045,"end":694.445,"confidence":0.9984976,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1270545870065689},{"word":"value","start":694.445,"end":694.945,"confidence":0.9196671,"punctuated_word":"value?","sentiment":"neutral","sentiment_score":-0.15073268115520477},{"word":"obviously","start":696.445,"end":696.945,"confidence":0.9811818,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.10208141803741456},{"word":"what's","start":697.40497,"end":697.725,"confidence":0.9991852,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.07137909531593323},{"word":"going","start":697.725,"end":697.96497,"confidence":0.92082256,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.07484125345945358},{"word":"on","start":697.96497,"end":698.20496,"confidence":0.9970283,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07300528883934021},{"word":"in","start":698.20496,"end":698.365,"confidence":0.9967728,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06758122146129608},{"word":"the","start":698.365,"end":698.445,"confidence":0.99819,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05229084566235542},{"word":"world","start":698.445,"end":698.76495,"confidence":0.99862194,"punctuated_word":"world","sentiment":"neutral","sentiment_score":-0.07438521087169647},{"word":"the","start":698.76495,"end":698.845,"confidence":0.8971587,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04670912027359009},{"word":"last","start":698.845,"end":699.08496,"confidence":0.99764365,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.036633819341659546},{"word":"twelve","start":699.08496,"end":699.32495,"confidence":0.9970306,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.040280912071466446},{"word":"months","start":699.32495,"end":699.565,"confidence":0.79287386,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":-0.0345720574259758},{"word":"we","start":699.565,"end":699.64496,"confidence":0.9917567,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.08606218546628952},{"word":"have","start":699.64496,"end":699.805,"confidence":0.9878351,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08618874102830887},{"word":"seen","start":699.805,"end":700.045,"confidence":0.97402835,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.0490364134311676},{"word":"a","start":700.045,"end":700.1825,"confidence":0.8871038,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06228150427341461},{"word":"lot","start":700.1825,"end":700.32,"confidence":0.9542244,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.049215927720069885},{"word":"of","start":700.4,"end":700.56,"confidence":0.5915079,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05131906643509865},{"word":"fluctuations","start":700.56,"end":701.06,"confidence":0.99820447,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":-0.035496048629283905},{"word":"in","start":701.2,"end":701.52,"confidence":0.99973065,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07357829064130783},{"word":"in","start":701.52,"end":701.68,"confidence":0.98138255,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05510696768760681},{"word":"in","start":701.68,"end":701.84,"confidence":0.6184784,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05804500728845596},{"word":"the","start":701.84,"end":702.0,"confidence":0.9965346,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05861658230423927},{"word":"market","start":702.0,"end":702.24,"confidence":0.9992887,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.044180117547512054},{"word":"and","start":702.24,"end":702.4,"confidence":0.9987852,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06863492727279663},{"word":"in","start":702.4,"end":702.56,"confidence":0.999233,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05341506004333496},{"word":"the","start":702.56,"end":702.72003,"confidence":0.99932885,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.046576231718063354},{"word":"world","start":702.72003,"end":703.22003,"confidence":0.92013204,"punctuated_word":"world.","sentiment":"neutral","sentiment_score":-0.05416722595691681},{"word":"and","start":703.76,"end":704.0,"confidence":0.76074183,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0549803264439106},{"word":"then","start":704.0,"end":704.24,"confidence":0.7895242,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.06538764387369156},{"word":"obviously","start":704.24,"end":704.56,"confidence":0.9959391,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.056216269731521606},{"word":"going","start":704.56,"end":704.8,"confidence":0.9420562,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.06555169820785522},{"word":"back","start":704.8,"end":704.96,"confidence":0.9996075,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.037017710506916046},{"word":"to","start":704.96,"end":705.12,"confidence":0.99927706,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06112583354115486},{"word":"covid","start":705.12,"end":705.52,"confidence":0.9989486,"punctuated_word":"COVID","sentiment":"neutral","sentiment_score":-0.04856377840042114},{"word":"as","start":705.52,"end":705.68,"confidence":0.99938715,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05760785564780235},{"word":"well","start":705.68,"end":705.84,"confidence":0.9709956,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.04094774276018143},{"word":"we","start":705.84,"end":706.0,"confidence":0.99926573,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.004790849983692169},{"word":"did","start":706.0,"end":706.24,"confidence":0.99682766,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.01984860748052597},{"word":"see","start":706.24,"end":706.4,"confidence":0.9837327,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":-0.055944833904504776},{"word":"you","start":706.4,"end":706.56,"confidence":0.9993568,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06741069257259369},{"word":"know","start":706.56,"end":706.72003,"confidence":0.9999048,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.07005517184734344},{"word":"a","start":706.72003,"end":706.8,"confidence":0.96536034,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07027214765548706},{"word":"bit","start":706.8,"end":706.96,"confidence":0.9955793,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06294906884431839},{"word":"of","start":706.96,"end":707.12,"confidence":0.9957195,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07327315956354141},{"word":"fluctuation","start":707.12,"end":707.62,"confidence":0.99733216,"punctuated_word":"fluctuation","sentiment":"neutral","sentiment_score":-0.060820918530225754},{"word":"and","start":707.76,"end":708.08,"confidence":0.99560696,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11117695271968842},{"word":"stuff","start":708.08,"end":708.32,"confidence":0.9825262,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.12374699860811234},{"word":"then","start":708.32,"end":708.72003,"confidence":0.9855166,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.04607148468494415},{"word":"as","start":708.72003,"end":709.04,"confidence":0.99678123,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0475846454501152},{"word":"well","start":709.04,"end":709.54,"confidence":0.9995072,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.036320529878139496},{"word":"if","start":710.24,"end":710.4,"confidence":0.984923,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0775708556175232},{"word":"you","start":710.4,"end":710.56,"confidence":0.99961215,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10481442511081696},{"word":"did","start":710.56,"end":710.88,"confidence":0.9989876,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.0731598287820816},{"word":"notice","start":710.88,"end":711.2,"confidence":0.9989266,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.1521913707256317},{"word":"your","start":711.2,"end":711.44,"confidence":0.9921516,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20036581158638},{"word":"superannuation","start":711.44,"end":711.94,"confidence":0.98514795,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":0.20648205280303955},{"word":"you","start":712.8,"end":712.88,"confidence":0.99075466,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.096929669380188},{"word":"know","start":712.88,"end":713.28,"confidence":0.9995921,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08909400552511215},{"word":"full","start":713.28,"end":713.52,"confidence":0.8489747,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.22013628482818604},{"word":"in","start":713.52,"end":713.68,"confidence":0.99297184,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18580974638462067},{"word":"value","start":713.68,"end":714.18,"confidence":0.9951229,"punctuated_word":"value,","sentiment":"neutral","sentiment_score":0.20227760076522827},{"word":"how","start":715.695,"end":715.935,"confidence":0.98947936,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1738477349281311},{"word":"would","start":715.935,"end":716.175,"confidence":0.9833002,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.23324139416217804},{"word":"that","start":716.175,"end":716.33496,"confidence":0.9998265,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2396037131547928},{"word":"make","start":716.33496,"end":716.65497,"confidence":0.99837387,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.16313524544239044},{"word":"you","start":716.65497,"end":716.975,"confidence":0.99215513,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10338780283927916},{"word":"feel","start":716.975,"end":717.475,"confidence":0.99600935,"punctuated_word":"feel?","sentiment":"neutral","sentiment_score":0.12708163261413574},{"word":"would","start":717.615,"end":717.855,"confidence":0.9992951,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.07101470232009888},{"word":"you","start":717.855,"end":718.095,"confidence":0.9996393,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13333435356616974},{"word":"stay","start":718.095,"end":718.595,"confidence":0.8096876,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.13526909053325653},{"word":"optimistic","start":718.815,"end":719.315,"confidence":0.9991654,"punctuated_word":"optimistic","sentiment":"neutral","sentiment_score":0.2628474831581116},{"word":"about","start":719.855,"end":720.255,"confidence":0.99991536,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.28852733969688416},{"word":"potential","start":720.255,"end":720.755,"confidence":0.999169,"punctuated_word":"potential","sentiment":"positive","sentiment_score":0.37546342611312866},{"word":"future","start":720.89496,"end":721.295,"confidence":0.9997135,"punctuated_word":"future","sentiment":"neutral","sentiment_score":0.21353238821029663},{"word":"investment","start":721.295,"end":721.795,"confidence":0.9992693,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1372080296278},{"word":"opportunities","start":721.935,"end":722.435,"confidence":0.6869625,"punctuated_word":"opportunities?","sentiment":"neutral","sentiment_score":0.16672933101654053},{"word":"a","start":723.935,"end":724.095,"confidence":0.9197204,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.05293921381235123},{"word":"bit","start":724.095,"end":724.33496,"confidence":0.99982494,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.10750642418861388},{"word":"more","start":724.33496,"end":724.65497,"confidence":0.9777049,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":-0.09586787968873978},{"word":"you","start":724.65497,"end":724.815,"confidence":0.999759,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10152245312929152},{"word":"know","start":724.815,"end":725.21497,"confidence":0.99980783,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.08384773135185242},{"word":"neutral","start":725.21497,"end":725.71497,"confidence":0.919398,"punctuated_word":"neutral,","sentiment":"neutral","sentiment_score":-0.035072557628154755},{"word":"not","start":726.015,"end":726.255,"confidence":0.99947196,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13595670461654663},{"word":"making","start":726.255,"end":726.65497,"confidence":0.99985194,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.16797654330730438},{"word":"further","start":726.65497,"end":726.975,"confidence":0.9994516,"punctuated_word":"further","sentiment":"neutral","sentiment_score":-0.2270178496837616},{"word":"investments","start":726.975,"end":727.475,"confidence":0.6539011,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.16418509185314178},{"word":"or","start":728.54,"end":728.69995,"confidence":0.9996213,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.17932602763175964},{"word":"you","start":728.69995,"end":728.93994,"confidence":0.9909051,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17261448502540588},{"word":"think","start":728.93994,"end":729.18,"confidence":0.9996947,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.19663618505001068},{"word":"that","start":729.18,"end":729.33997,"confidence":0.9997009,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2251579761505127},{"word":"would","start":729.33997,"end":729.5,"confidence":0.9897842,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2310624122619629},{"word":"make","start":729.5,"end":729.81995,"confidence":0.9969926,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.2516558766365051},{"word":"you","start":729.81995,"end":729.89996,"confidence":0.9970541,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23570217192173004},{"word":"feel","start":729.89996,"end":730.13995,"confidence":0.99810743,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.20155836641788483},{"word":"quite","start":730.13995,"end":730.45996,"confidence":0.99978226,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.30137166380882263},{"word":"concerned","start":730.45996,"end":730.95996,"confidence":0.9979322,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.3070524334907532},{"word":"or","start":731.01996,"end":731.25995,"confidence":0.9982875,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.35639631748199463},{"word":"anxious","start":731.25995,"end":731.75995,"confidence":0.9750415,"punctuated_word":"anxious?","sentiment":"neutral","sentiment_score":-0.21028147637844088},{"word":"the","start":737.98,"end":738.22,"confidence":0.58243465,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.02159471996128559},{"word":"middle","start":738.22,"end":738.62,"confidence":0.95479965,"punctuated_word":"middle?","sentiment":"neutral","sentiment_score":-0.007657604292035103},{"word":"perfect","start":738.62,"end":739.01996,"confidence":0.9923576,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.08449610322713852},{"word":"so","start":739.01996,"end":739.25995,"confidence":0.8458805,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.005161667242646217},{"word":"kind","start":739.25995,"end":739.42,"confidence":0.9652546,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0014140158891677856},{"word":"of","start":739.42,"end":739.5,"confidence":0.9985391,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00163935124874115},{"word":"a","start":739.5,"end":739.66,"confidence":0.9960284,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0480508990585804},{"word":"bit","start":739.66,"end":739.89996,"confidence":0.9950211,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05783706158399582},{"word":"new","start":739.89996,"end":740.39996,"confidence":0.57003057,"punctuated_word":"new.","sentiment":"neutral","sentiment_score":-0.04453650861978531},{"word":"yeah","start":743.13495,"end":743.615,"confidence":0.9894818,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.022642802447080612},{"word":"yes","start":743.615,"end":744.115,"confidence":0.97684264,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.01103300414979458},{"word":"yeah","start":744.175,"end":744.57495,"confidence":0.7593262,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0412011556327343},{"word":"no","start":744.57495,"end":744.815,"confidence":0.8311554,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11007565259933472},{"word":"definitely","start":744.815,"end":745.21497,"confidence":0.56198865,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":-0.0819636881351471},{"word":"then","start":745.21497,"end":745.375,"confidence":0.5688937,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":-0.09673371911048888},{"word":"there","start":745.375,"end":745.535,"confidence":0.97060704,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.09530064463615416},{"word":"might","start":745.535,"end":745.695,"confidence":0.99982786,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.11013683676719666},{"word":"be","start":745.695,"end":745.775,"confidence":0.99944013,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.10457894206047058},{"word":"a","start":745.775,"end":745.855,"confidence":0.99936885,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10693667083978652},{"word":"bit","start":745.855,"end":746.01495,"confidence":0.99991095,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.10889246314764024},{"word":"more","start":746.01495,"end":746.1749,"confidence":0.99884146,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.1244012713432312},{"word":"of","start":746.1749,"end":746.33496,"confidence":0.9949033,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11019503325223924},{"word":"a","start":746.33496,"end":746.415,"confidence":0.9923396,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13198122382164},{"word":"structural","start":746.415,"end":746.815,"confidence":0.99930465,"punctuated_word":"structural","sentiment":"neutral","sentiment_score":-0.18410362303256989},{"word":"issue","start":746.815,"end":747.13495,"confidence":0.7168374,"punctuated_word":"issue.","sentiment":"neutral","sentiment_score":-0.12728452682495117},{"word":"obviously","start":747.13495,"end":747.63495,"confidence":0.924751,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.04223257303237915},{"word":"things","start":748.095,"end":748.415,"confidence":0.90514827,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.045816220343112946},{"word":"do","start":748.415,"end":748.57495,"confidence":0.9818178,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04193183407187462},{"word":"fluctuate","start":748.57495,"end":749.07495,"confidence":0.97858876,"punctuated_word":"fluctuate","sentiment":"neutral","sentiment_score":-0.06626463681459427},{"word":"short","start":749.295,"end":749.615,"confidence":0.9955466,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.05787178128957749},{"word":"term","start":749.615,"end":749.935,"confidence":0.90975684,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":-0.02426550909876823},{"word":"especially","start":749.935,"end":750.415,"confidence":0.9920626,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":-0.05815335363149643},{"word":"if","start":750.415,"end":750.57495,"confidence":0.9863864,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.047211453318595886},{"word":"you","start":750.57495,"end":750.65497,"confidence":0.99008894,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019899405539035797},{"word":"are","start":750.65497,"end":750.815,"confidence":0.9538854,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02081570029258728},{"word":"in","start":750.815,"end":750.975,"confidence":0.8944901,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.02888631448149681},{"word":"you","start":750.975,"end":751.055,"confidence":0.9987206,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.032757729291915894},{"word":"know","start":751.055,"end":751.295,"confidence":0.99874884,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.04897440969944},{"word":"your","start":751.295,"end":751.45496,"confidence":0.99564904,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.020897068083286285},{"word":"high","start":751.45496,"end":751.615,"confidence":0.9971674,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.018201716244220737},{"word":"growth","start":751.615,"end":752.115,"confidence":0.99187523,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.0007546171545982361},{"word":"portfolio","start":752.175,"end":752.675,"confidence":0.9424574,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.039221227169036865},{"word":"it","start":752.735,"end":752.975,"confidence":0.9994861,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0789523720741272},{"word":"is","start":752.975,"end":753.295,"confidence":0.99987054,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16113370656967163},{"word":"kind","start":753.295,"end":753.535,"confidence":0.995074,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.09150505065917967},{"word":"of","start":753.535,"end":753.695,"confidence":0.9997894,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10826985538005827},{"word":"what","start":753.695,"end":753.935,"confidence":0.9997569,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.11054276674985886},{"word":"you","start":753.935,"end":754.175,"confidence":0.99985635,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06556710600852966},{"word":"see","start":754.175,"end":754.415,"confidence":0.99964213,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.07575646787881851},{"word":"and","start":754.415,"end":754.65497,"confidence":0.9986187,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11506609618663788},{"word":"expect","start":754.65497,"end":755.15497,"confidence":0.9994998,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.17326796054840088},{"word":"through","start":755.42004,"end":755.74005,"confidence":0.6421386,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.11239223927259444},{"word":"periods","start":755.74005,"end":756.14,"confidence":0.99828476,"punctuated_word":"periods","sentiment":"neutral","sentiment_score":-0.07807607203722},{"word":"of","start":756.14,"end":756.38,"confidence":0.9996953,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1553320288658142},{"word":"time","start":756.38,"end":756.88,"confidence":0.9039502,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.11876015365123747},{"word":"but","start":757.02,"end":757.26,"confidence":0.9398809,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.13795778155326843},{"word":"obviously","start":757.26,"end":757.58,"confidence":0.99978065,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.16372433304786682},{"word":"if","start":757.58,"end":757.74005,"confidence":0.967861,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.18783776462078097},{"word":"that","start":757.74005,"end":757.9,"confidence":0.9998609,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.21780452132225037},{"word":"goes","start":757.9,"end":758.14,"confidence":0.9997428,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.2728753387928009},{"word":"on","start":758.14,"end":758.30005,"confidence":0.9994646,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.28708669543266296},{"word":"for","start":758.30005,"end":758.46,"confidence":0.9997278,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2810503840446472},{"word":"a","start":758.46,"end":758.54004,"confidence":0.9987765,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.33197537064552307},{"word":"prolonged","start":758.54004,"end":759.02,"confidence":0.997456,"punctuated_word":"prolonged","sentiment":"neutral","sentiment_score":-0.2984757721424103},{"word":"period","start":759.02,"end":759.34,"confidence":0.99974746,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.26526951789855957},{"word":"of","start":759.34,"end":759.5,"confidence":0.99944323,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3169621229171753},{"word":"time","start":759.5,"end":759.74005,"confidence":0.9946194,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.3149067461490631},{"word":"then","start":759.74005,"end":759.98004,"confidence":0.99473727,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.20307740569114685},{"word":"you","start":759.98004,"end":760.06,"confidence":0.9997162,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.24995103478431704},{"word":"know","start":760.06,"end":760.22003,"confidence":0.9999203,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.25003260374069214},{"word":"there","start":760.22003,"end":760.46,"confidence":0.951519,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.2932935059070587},{"word":"might","start":760.46,"end":760.62006,"confidence":0.99979836,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.23199868202209473},{"word":"need","start":760.62006,"end":760.86005,"confidence":0.99866164,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.2456597685813904},{"word":"to","start":760.86005,"end":760.94,"confidence":0.99968123,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2345169335603714},{"word":"be","start":760.94,"end":761.10004,"confidence":0.99973005,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.23534755408763883},{"word":"more","start":761.10004,"end":761.42004,"confidence":0.9994081,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.2955242097377777},{"word":"drastic","start":761.42004,"end":761.74005,"confidence":0.99902153,"punctuated_word":"drastic","sentiment":"neutral","sentiment_score":-0.2963801622390747},{"word":"changes","start":761.74005,"end":762.24005,"confidence":0.9995167,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.3100898861885071},{"word":"to","start":763.18005,"end":763.34,"confidence":0.6517528,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0347638800740242},{"word":"be","start":763.34,"end":763.5,"confidence":0.99959975,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05000082030892372},{"word":"made","start":763.5,"end":764.0,"confidence":0.99917966,"punctuated_word":"made.","sentiment":"neutral","sentiment_score":-0.006168598309159279},{"word":"yep","start":764.30005,"end":764.80005,"confidence":0.7443259,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04695060849189758},{"word":"and","start":765.66003,"end":766.06,"confidence":0.9135099,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0337923988699913},{"word":"last","start":766.06,"end":766.38,"confidence":0.8518241,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.024797480553388596},{"word":"one","start":766.38,"end":766.54004,"confidence":0.96964663,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.02590537816286087},{"word":"here","start":766.54004,"end":766.78,"confidence":0.99844015,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.03867390751838684},{"word":"adam","start":766.78,"end":767.10004,"confidence":0.9963742,"punctuated_word":"Adam,","sentiment":"neutral","sentiment_score":0.033048272132873535},{"word":"is","start":767.10004,"end":767.42004,"confidence":0.999741,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.010488282889127731},{"word":"have","start":767.42004,"end":767.66003,"confidence":0.81057215,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.00011365115642547607},{"word":"you","start":767.66003,"end":767.9,"confidence":0.99956495,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013812579214572906},{"word":"ever","start":767.9,"end":768.22003,"confidence":0.99960595,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.0027161315083503723},{"word":"considered","start":768.22003,"end":768.72003,"confidence":0.9985682,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":-0.020753465592861176},{"word":"taking","start":768.78,"end":769.02,"confidence":0.99914026,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.0056204237043857574},{"word":"out","start":769.02,"end":769.26,"confidence":0.9981201,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.03833261877298355},{"word":"a","start":769.26,"end":769.5,"confidence":0.9978684,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02585134282708168},{"word":"loan","start":769.5,"end":769.82,"confidence":0.9991061,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.01160748302936554},{"word":"to","start":769.82,"end":770.06,"confidence":0.9993316,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0000820457935333252},{"word":"invest","start":770.06,"end":770.54004,"confidence":0.9995701,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":-0.001810487359762192},{"word":"in","start":770.54004,"end":770.7,"confidence":0.98981714,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.006514307111501694},{"word":"stocks","start":770.7,"end":771.015,"confidence":0.6242389,"punctuated_word":"stocks","sentiment":"neutral","sentiment_score":0.01369251310825348},{"word":"or","start":771.09503,"end":771.175,"confidence":0.84802645,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.005878336727619171},{"word":"funds","start":771.175,"end":771.675,"confidence":0.97450626,"punctuated_word":"funds?","sentiment":"neutral","sentiment_score":-0.015106255188584328},{"word":"no","start":774.29504,"end":774.615,"confidence":0.9935627,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11275602877140044},{"word":"would","start":774.615,"end":774.85504,"confidence":0.9973067,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.09721233695745468},{"word":"you","start":774.85504,"end":775.175,"confidence":0.9997429,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08985967934131622},{"word":"ever","start":775.175,"end":775.41504,"confidence":0.997954,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.07593674957752228},{"word":"consider","start":775.41504,"end":775.815,"confidence":0.99752337,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.09742256999015808},{"word":"taking","start":775.815,"end":776.055,"confidence":0.9998247,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.10090258717536926},{"word":"out","start":776.055,"end":776.29504,"confidence":0.9993486,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1249995082616806},{"word":"a","start":776.29504,"end":776.375,"confidence":0.99938285,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10640640556812286},{"word":"loan","start":776.375,"end":776.775,"confidence":0.9998474,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.10724147409200668},{"word":"to","start":776.775,"end":776.935,"confidence":0.9997646,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11007425934076308},{"word":"buy","start":776.935,"end":777.09503,"confidence":0.99846077,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.12020309269428252},{"word":"an","start":777.09503,"end":777.175,"confidence":0.99755764,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.10151191055774687},{"word":"investment","start":777.175,"end":777.675,"confidence":0.99980396,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.06190963089466095},{"word":"property","start":777.735,"end":778.235,"confidence":0.9993458,"punctuated_word":"property?","sentiment":"neutral","sentiment_score":-0.07178568840026855},{"word":"yep","start":787.99005,"end":788.49005,"confidence":0.8412763,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05028914660215378},{"word":"okay","start":788.55005,"end":789.05005,"confidence":0.9971659,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0653274804353714},{"word":"now","start":790.07,"end":790.55005,"confidence":0.6814872,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0672331228852272},{"word":"that","start":790.55005,"end":790.87006,"confidence":0.9953235,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09787119179964066},{"word":"tells","start":790.87006,"end":791.19,"confidence":0.9996966,"punctuated_word":"tells","sentiment":"neutral","sentiment_score":0.09338341653347015},{"word":"me","start":791.19,"end":791.43005,"confidence":0.9997652,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1012074649333954},{"word":"here","start":791.43005,"end":791.83,"confidence":0.9951733,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.10753217339515686},{"word":"that","start":791.83,"end":792.15,"confidence":0.99965346,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07956105470657349},{"word":"you","start":792.15,"end":792.31006,"confidence":0.99993026,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10340803861618042},{"word":"have","start":792.31006,"end":792.55005,"confidence":0.999863,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10059311985969543},{"word":"come","start":792.55005,"end":792.79004,"confidence":0.9999256,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.11677396297454834},{"word":"out","start":792.79004,"end":793.19,"confidence":0.99970156,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.16709618270397186},{"word":"as","start":793.19,"end":793.43005,"confidence":0.9983687,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0887983962893486},{"word":"a","start":793.43005,"end":793.83,"confidence":0.99961424,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12983649969100952},{"word":"growth","start":793.83,"end":794.33,"confidence":0.99861014,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.16226042807102203},{"word":"investor","start":794.47003,"end":794.97003,"confidence":0.87167406,"punctuated_word":"investor.","sentiment":"neutral","sentiment_score":0.10476087778806686},{"word":"and","start":795.865,"end":796.185,"confidence":0.99932194,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05848195031285286},{"word":"at","start":796.185,"end":796.345,"confidence":0.9586402,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0424184687435627},{"word":"the","start":796.345,"end":796.505,"confidence":0.99987113,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06123685464262962},{"word":"moment","start":796.505,"end":796.98505,"confidence":0.9986192,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.06162823736667633},{"word":"we","start":796.98505,"end":797.145,"confidence":0.99989104,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06570053100585938},{"word":"have","start":797.145,"end":797.385,"confidence":0.9997955,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05760447308421135},{"word":"you","start":797.385,"end":797.625,"confidence":0.9989034,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.040670137852430344},{"word":"invested","start":797.625,"end":798.125,"confidence":0.9998807,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.04942292347550392},{"word":"in","start":798.265,"end":798.505,"confidence":0.9998104,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.035394445061683655},{"word":"a","start":798.505,"end":798.905,"confidence":0.9994704,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03026551753282547},{"word":"high","start":798.905,"end":799.22504,"confidence":0.999329,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.04360736161470413},{"word":"growth","start":799.22504,"end":799.625,"confidence":0.99825066,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.0788266509771347},{"word":"portfolio","start":799.625,"end":800.125,"confidence":0.9988079,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.020109005272388455},{"word":"so","start":800.745,"end":801.065,"confidence":0.9977223,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.015874512493610382},{"word":"do","start":801.065,"end":801.22504,"confidence":0.9984792,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0008811876177787781},{"word":"you","start":801.22504,"end":801.385,"confidence":0.99969304,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02850361168384552},{"word":"know","start":801.385,"end":801.78503,"confidence":0.9997023,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.009546861052513124},{"word":"the","start":801.78503,"end":802.025,"confidence":0.9993074,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007595591247081757},{"word":"difference","start":802.025,"end":802.425,"confidence":0.99859625,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.022831112146377563},{"word":"between","start":802.425,"end":802.745,"confidence":0.999871,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.008839718997478485},{"word":"those","start":802.745,"end":803.065,"confidence":0.999673,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.00941266119480133},{"word":"two","start":803.065,"end":803.305,"confidence":0.9997311,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.02697572112083435},{"word":"at","start":803.305,"end":803.465,"confidence":0.99761534,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05407880246639252},{"word":"all","start":803.465,"end":803.965,"confidence":0.99835646,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.004550475627183914},{"word":"yeah","start":808.92,"end":809.31995,"confidence":0.89161676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03646191209554672},{"word":"how","start":809.31995,"end":809.48,"confidence":0.99096245,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.010407328605651855},{"word":"would","start":809.48,"end":809.63995,"confidence":0.9599621,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.043389905244112015},{"word":"you","start":809.63995,"end":809.95996,"confidence":0.99961287,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.042383454740047455},{"word":"describe","start":809.95996,"end":810.27997,"confidence":0.9998591,"punctuated_word":"describe","sentiment":"neutral","sentiment_score":0.0459643192589283},{"word":"it","start":810.27997,"end":810.43994,"confidence":0.99848336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04109011963009834},{"word":"to","start":810.43994,"end":810.51996,"confidence":0.9994968,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.024453751742839813},{"word":"me","start":810.51996,"end":811.01996,"confidence":0.8475753,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.03354128450155258},{"word":"putting","start":811.8,"end":812.12,"confidence":0.86812055,"punctuated_word":"Putting","sentiment":"neutral","sentiment_score":-0.010486654937267303},{"word":"you","start":812.12,"end":812.19995,"confidence":0.95823956,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012894667685031893},{"word":"on","start":812.19995,"end":812.27997,"confidence":0.97871166,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02552679181098938},{"word":"the","start":812.27997,"end":812.43994,"confidence":0.93559873,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013327822089195251},{"word":"spot","start":812.43994,"end":812.93994,"confidence":0.98137903,"punctuated_word":"spot.","sentiment":"neutral","sentiment_score":0.05287163704633713},{"word":"yep","start":818.36,"end":818.86,"confidence":0.9954777,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.020101267844438553},{"word":"mhmm","start":828.375,"end":828.875,"confidence":0.9869165,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.021347323432564735},{"word":"mhmm","start":832.31,"end":832.81,"confidence":0.99681854,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.021927494555711743},{"word":"you","start":836.07,"end":836.31,"confidence":0.9874139,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.3201557993888855},{"word":"are","start":836.31,"end":836.55,"confidence":0.9874622,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.384531706571579},{"word":"on","start":836.55,"end":836.63,"confidence":0.85284793,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3858895301818848},{"word":"the","start":836.63,"end":836.79,"confidence":0.999491,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.43158408999443054},{"word":"right","start":836.79,"end":837.03,"confidence":0.9994325,"punctuated_word":"right","sentiment":"positive","sentiment_score":0.4978549480438232},{"word":"path","start":837.03,"end":837.35,"confidence":0.8578702,"punctuated_word":"path,","sentiment":"positive","sentiment_score":0.46517300605773926},{"word":"though","start":837.35,"end":837.67,"confidence":0.9353021,"punctuated_word":"though.","sentiment":"positive","sentiment_score":0.43924015760421753},{"word":"like","start":837.67,"end":837.91,"confidence":0.9896736,"punctuated_word":"Like,","sentiment":"positive","sentiment_score":0.3941842913627625},{"word":"you","start":837.91,"end":838.07,"confidence":0.84021306,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5125160217285156},{"word":"your","start":838.15,"end":838.23,"confidence":0.64887893,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.41841715574264526},{"word":"the","start":838.31,"end":838.55,"confidence":0.9542747,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31965693831443787},{"word":"concept","start":838.55,"end":838.95,"confidence":0.99936444,"punctuated_word":"concept","sentiment":"neutral","sentiment_score":0.19526149332523343},{"word":"is","start":838.95,"end":839.19,"confidence":0.9992867,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.40639376640319824},{"word":"definitely","start":839.19,"end":839.67,"confidence":0.9998276,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.40997686982154846},{"word":"there","start":839.67,"end":840.17,"confidence":0.97012866,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.3189769387245178},{"word":"and","start":841.11,"end":841.59,"confidence":0.9094299,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.1328919231891632},{"word":"you","start":841.59,"end":841.75,"confidence":0.99968386,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07349830865859985},{"word":"know","start":841.75,"end":841.99,"confidence":0.9997464,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07183584570884705},{"word":"if","start":841.99,"end":842.31,"confidence":0.9995245,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07227957993745804},{"word":"if","start":842.31,"end":842.47,"confidence":0.99769336,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.002640761435031891},{"word":"we","start":842.47,"end":842.63,"confidence":0.9989969,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04380860924720764},{"word":"do","start":842.63,"end":842.79,"confidence":0.99682814,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06638549268245697},{"word":"think","start":842.79,"end":843.11,"confidence":0.7481486,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.009094811975955963},{"word":"typically","start":843.11,"end":843.51,"confidence":0.910818,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":0.001798570156097412},{"word":"between","start":843.51,"end":843.83,"confidence":0.7650038,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.03143379092216492},{"word":"a","start":843.83,"end":843.99,"confidence":0.8247719,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012453034520149233},{"word":"high","start":843.99,"end":844.15,"confidence":0.9939038,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.053181447088718414},{"word":"growth","start":844.15,"end":844.31,"confidence":0.9861145,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1134861260652542},{"word":"and","start":844.31,"end":844.47,"confidence":0.97833645,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.004530593752861023},{"word":"growth","start":844.47,"end":844.71,"confidence":0.9907541,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.04619640111923218},{"word":"obviously","start":844.71,"end":845.19,"confidence":0.9622958,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.06482435017824173},{"word":"the","start":845.19,"end":845.27,"confidence":0.9987797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07892617583274841},{"word":"focus","start":845.27,"end":845.685,"confidence":0.99825376,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.08008372783660889},{"word":"still","start":845.685,"end":845.925,"confidence":0.9892369,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.11828747391700745},{"word":"to","start":845.925,"end":846.085,"confidence":0.99915636,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10490453243255617},{"word":"maximize","start":846.085,"end":846.585,"confidence":0.9971403,"punctuated_word":"maximize","sentiment":"neutral","sentiment_score":0.3234497904777527},{"word":"growth","start":846.645,"end":846.965,"confidence":0.9836325,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.37959620356559753},{"word":"into","start":846.965,"end":847.205,"confidence":0.6247913,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2349516600370407},{"word":"your","start":847.205,"end":847.365,"confidence":0.8253908,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15681199729442596},{"word":"preannuation","start":847.365,"end":847.865,"confidence":0.76309735,"punctuated_word":"preannuation","sentiment":"neutral","sentiment_score":0.1808607876300812},{"word":"while","start":848.805,"end":849.045,"confidence":0.623327,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.1193196028470993},{"word":"you","start":849.045,"end":849.205,"confidence":0.9999347,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07293856143951416},{"word":"do","start":849.205,"end":849.445,"confidence":0.9999479,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07698693871498108},{"word":"have","start":849.445,"end":849.685,"confidence":0.99557674,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.039596445858478546},{"word":"you","start":849.685,"end":849.765,"confidence":0.99989855,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00575689971446991},{"word":"know","start":849.765,"end":849.925,"confidence":0.9999363,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.038547687232494354},{"word":"plenty","start":849.925,"end":850.245,"confidence":0.99974126,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":0.013359114527702332},{"word":"of","start":850.245,"end":850.325,"confidence":0.9995172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06543800234794617},{"word":"time","start":850.325,"end":850.645,"confidence":0.99984276,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.12087921798229218},{"word":"until","start":850.645,"end":851.045,"confidence":0.99883956,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.0097733736038208},{"word":"you","start":851.045,"end":851.205,"confidence":0.99958724,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016662493348121643},{"word":"do","start":851.205,"end":851.445,"confidence":0.9999305,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0393657386302948},{"word":"retire","start":851.445,"end":851.945,"confidence":0.99795353,"punctuated_word":"retire.","sentiment":"neutral","sentiment_score":0.020283080637454987},{"word":"and","start":852.565,"end":852.805,"confidence":0.9194867,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04058733582496643},{"word":"in","start":852.805,"end":853.045,"confidence":0.9936678,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.026892371475696564},{"word":"both","start":853.045,"end":853.365,"confidence":0.88209045,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.013234056532382963},{"word":"scenarios","start":853.365,"end":853.865,"confidence":0.9903157,"punctuated_word":"scenarios,","sentiment":"neutral","sentiment_score":0.05535469204187393},{"word":"you","start":853.925,"end":854.085,"confidence":0.99840456,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06610795855522156},{"word":"are","start":854.085,"end":854.585,"confidence":0.973312,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.056031979620456696},{"word":"you","start":854.645,"end":854.885,"confidence":0.9659047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018439605832099915},{"word":"know","start":854.885,"end":855.125,"confidence":0.9995583,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03841186314821243},{"word":"prepared","start":855.125,"end":855.525,"confidence":0.99684745,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":-0.020723938941955566},{"word":"to","start":855.525,"end":855.765,"confidence":0.99954236,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00007748603820800781},{"word":"experience","start":855.765,"end":856.265,"confidence":0.9997508,"punctuated_word":"experience","sentiment":"neutral","sentiment_score":-0.04819412529468536},{"word":"a","start":856.725,"end":857.045,"confidence":0.9997874,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015471525490283966},{"word":"level","start":857.045,"end":857.365,"confidence":0.999933,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.07469183206558228},{"word":"of","start":857.365,"end":857.605,"confidence":0.9997788,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06860941648483276},{"word":"fluctuation","start":857.605,"end":858.105,"confidence":0.9991445,"punctuated_word":"fluctuation","sentiment":"neutral","sentiment_score":-0.04747629910707474},{"word":"in","start":858.98004,"end":859.14,"confidence":0.99992216,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11064447462558746},{"word":"order","start":859.14,"end":859.38,"confidence":0.9998821,"punctuated_word":"order","sentiment":"neutral","sentiment_score":-0.0937204509973526},{"word":"to","start":859.38,"end":859.54004,"confidence":0.9996182,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03067801892757416},{"word":"kind","start":859.54004,"end":859.86005,"confidence":0.6857932,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.02433261275291443},{"word":"of","start":859.86005,"end":860.02,"confidence":0.998307,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0020599067211151123},{"word":"grow","start":860.02,"end":860.26,"confidence":0.95600826,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.1033199280500412},{"word":"your","start":860.26,"end":860.58,"confidence":0.97801423,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1944311559200287},{"word":"super","start":860.58,"end":861.08,"confidence":0.9954432,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1910884827375412},{"word":"long","start":861.14,"end":861.38,"confidence":0.9974017,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.13540059328079224},{"word":"term","start":861.38,"end":861.88,"confidence":0.9975231,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":0.08740603178739548},{"word":"the","start":862.18005,"end":862.42004,"confidence":0.99869186,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0036753788590431218},{"word":"difference","start":862.42004,"end":862.92004,"confidence":0.99966264,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.016392037272453308},{"word":"between","start":863.06,"end":863.54004,"confidence":0.999796,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.0094713494181633},{"word":"them","start":863.54004,"end":863.86005,"confidence":0.9986891,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.019190825521945953},{"word":"typically","start":863.86005,"end":864.36005,"confidence":0.85149485,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":0.0256538987159729},{"word":"is","start":864.42004,"end":864.66003,"confidence":0.99720335,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04164574295282364},{"word":"that","start":864.66003,"end":864.9,"confidence":0.9995827,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022849224507808685},{"word":"in","start":864.9,"end":865.06,"confidence":0.9888672,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.024999216198921204},{"word":"a","start":865.06,"end":865.30005,"confidence":0.9968059,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06194095313549042},{"word":"high","start":865.30005,"end":865.54004,"confidence":0.9925869,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.07430259883403778},{"word":"growth","start":865.54004,"end":865.94,"confidence":0.99607337,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.10874168574810028},{"word":"portfolio","start":865.94,"end":866.44,"confidence":0.93614244,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.010509971529245377},{"word":"that","start":866.5,"end":866.66003,"confidence":0.68500775,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04149441421031952},{"word":"is","start":866.66003,"end":866.82,"confidence":0.9992841,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02301478385925293},{"word":"how","start":866.82,"end":866.98004,"confidence":0.99891126,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0272105410695076},{"word":"you","start":866.98004,"end":867.14,"confidence":0.99989974,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05797988921403885},{"word":"are","start":867.14,"end":867.30005,"confidence":0.99884856,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05643574893474579},{"word":"currently","start":867.30005,"end":867.7,"confidence":0.9996953,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.049459658563137054},{"word":"invested","start":867.7,"end":868.2,"confidence":0.9710421,"punctuated_word":"invested,","sentiment":"neutral","sentiment_score":0.05186852812767029},{"word":"we","start":868.74005,"end":868.98004,"confidence":0.9991135,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09402073919773102},{"word":"see","start":868.98004,"end":869.30005,"confidence":0.99936265,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09851044416427612},{"word":"about","start":869.30005,"end":869.78,"confidence":0.9998171,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03309381753206253},{"word":"90%","start":869.78,"end":870.66003,"confidence":0.9986972,"punctuated_word":"90%","sentiment":"neutral","sentiment_score":0.1180652529001236},{"word":"of","start":870.66003,"end":870.9,"confidence":0.9998109,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0925186201930046},{"word":"the","start":870.9,"end":871.06,"confidence":0.9923689,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06256730109453201},{"word":"funds","start":871.06,"end":871.56,"confidence":0.9971111,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.057531267404556274},{"word":"invested","start":871.7,"end":872.18005,"confidence":0.9970669,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.07565965503454208},{"word":"in","start":872.18005,"end":872.58,"confidence":0.9997509,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10842812806367874},{"word":"growth","start":872.58,"end":873.08,"confidence":0.9489115,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.12995943427085876},{"word":"assets","start":873.14,"end":873.64,"confidence":0.9067767,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.09914204478263856},{"word":"so","start":874.235,"end":874.39496,"confidence":0.9968587,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09887847304344176},{"word":"that","start":874.39496,"end":874.555,"confidence":0.9998739,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15080055594444275},{"word":"will","start":874.555,"end":874.71497,"confidence":0.9948527,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07904486358165741},{"word":"be","start":874.71497,"end":874.875,"confidence":0.9998362,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.148091658949852},{"word":"things","start":874.875,"end":875.195,"confidence":0.9996178,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.19917398691177368},{"word":"like","start":875.195,"end":875.515,"confidence":0.9815074,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.13356205821037292},{"word":"australian","start":875.515,"end":876.015,"confidence":0.9955782,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.18598712980747223},{"word":"shares","start":876.15497,"end":876.65497,"confidence":0.9948245,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.1846410632133484},{"word":"international","start":876.71497,"end":877.21497,"confidence":0.99851924,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.15397068858146667},{"word":"shares","start":877.435,"end":877.915,"confidence":0.9975486,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.1822126805782318},{"word":"property","start":877.915,"end":878.315,"confidence":0.9256247,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.17685581743717194},{"word":"and","start":878.315,"end":878.635,"confidence":0.99987245,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15447449684143066},{"word":"commodity","start":878.635,"end":879.135,"confidence":0.6252304,"punctuated_word":"commodity.","sentiment":"neutral","sentiment_score":0.16559040546417236},{"word":"and","start":879.83496,"end":880.075,"confidence":0.5541146,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1582476645708084},{"word":"that","start":880.075,"end":880.315,"confidence":0.99822015,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2070469856262207},{"word":"is","start":880.315,"end":880.475,"confidence":0.9986298,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13531115651130676},{"word":"what's","start":880.475,"end":880.635,"confidence":0.961738,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.21866640448570251},{"word":"going","start":880.635,"end":880.875,"confidence":0.9997769,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2560674548149109},{"word":"to","start":880.875,"end":881.035,"confidence":0.9983144,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2143402099609375},{"word":"maximize","start":881.035,"end":881.535,"confidence":0.99457574,"punctuated_word":"maximize","sentiment":"positive","sentiment_score":0.4521588981151581},{"word":"those","start":881.595,"end":881.915,"confidence":0.9960586,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.4548141658306122},{"word":"return","start":881.915,"end":882.415,"confidence":0.5409348,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.5095964074134827},{"word":"for","start":882.71497,"end":882.875,"confidence":0.9973374,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3439858555793762},{"word":"you","start":882.875,"end":883.375,"confidence":0.9997869,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3204317092895508},{"word":"and","start":883.755,"end":883.995,"confidence":0.41736907,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26903969049453735},{"word":"only","start":883.995,"end":884.315,"confidence":0.98524046,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.1447284370660782},{"word":"about","start":884.315,"end":884.71497,"confidence":0.9932342,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12356159090995789},{"word":"10%","start":884.71497,"end":885.535,"confidence":0.9995252,"punctuated_word":"10%","sentiment":"positive","sentiment_score":0.36148619651794434},{"word":"in","start":885.755,"end":886.235,"confidence":0.99927264,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22165700793266296},{"word":"your","start":886.235,"end":886.735,"confidence":0.99954563,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13280975818634033},{"word":"defensive","start":886.795,"end":887.295,"confidence":0.99632096,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.07269498705863953},{"word":"investment","start":887.595,"end":888.095,"confidence":0.86393607,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.05840977281332016},{"word":"so","start":888.635,"end":888.75,"confidence":0.82409465,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09824059903621674},{"word":"that","start":888.75,"end":888.91,"confidence":0.99993837,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13800805807113647},{"word":"will","start":888.91,"end":889.07,"confidence":0.8427196,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08906324952840805},{"word":"be","start":889.07,"end":889.23,"confidence":0.85136455,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.13865050673484802},{"word":"like","start":889.23,"end":889.47,"confidence":0.99876654,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1212588995695114},{"word":"your","start":889.47,"end":889.71,"confidence":0.9995345,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18331852555274963},{"word":"cash","start":889.71,"end":890.03,"confidence":0.9982308,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.19164028763771057},{"word":"your","start":890.03,"end":890.35,"confidence":0.9966518,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14843228459358215},{"word":"gold","start":890.35,"end":890.67,"confidence":0.99456286,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.16781984269618988},{"word":"your","start":890.67,"end":890.91,"confidence":0.9986872,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12700217962265015},{"word":"fixed","start":890.91,"end":891.23,"confidence":0.99985075,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.11546818912029266},{"word":"interest","start":891.23,"end":891.63,"confidence":0.98349667,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.11088766157627106},{"word":"for","start":891.63,"end":891.87,"confidence":0.9998541,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07390372455120087},{"word":"example","start":891.87,"end":892.27,"confidence":0.8988646,"punctuated_word":"example.","sentiment":"neutral","sentiment_score":0.06515935063362122},{"word":"so","start":892.27,"end":892.51,"confidence":0.8438569,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01884036511182785},{"word":"they're","start":892.51,"end":892.59,"confidence":0.42076656,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.006676197052001953},{"word":"in","start":892.59,"end":892.75,"confidence":0.41595906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.00019752979278564453},{"word":"the","start":892.75,"end":892.83,"confidence":0.70963544,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024063676595687863},{"word":"fluctuations","start":892.83,"end":893.33,"confidence":0.974008,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.03710608184337616},{"word":"a","start":893.55,"end":893.71,"confidence":0.99306715,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0230710506439209},{"word":"little","start":893.71,"end":893.95,"confidence":0.9999348,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.032757438719272614},{"word":"bit","start":893.95,"end":894.45,"confidence":0.9997774,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.01523040235042572},{"word":"now","start":894.75,"end":895.25,"confidence":0.99948007,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.14053189754486084},{"word":"in","start":895.31,"end":895.63,"confidence":0.99192107,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14390717446804047},{"word":"a","start":895.63,"end":895.95,"confidence":0.99930537,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1823185384273529},{"word":"growth","start":895.95,"end":896.27,"confidence":0.9186007,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.18647032976150513},{"word":"portfolio","start":896.27,"end":896.77,"confidence":0.9993738,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.13571098446846008},{"word":"it's","start":896.91,"end":897.15,"confidence":0.9998599,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.14913862943649292},{"word":"about","start":897.15,"end":897.39,"confidence":0.9996717,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.15116140246391296},{"word":"a","start":897.39,"end":897.63,"confidence":0.99790895,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2035178244113922},{"word":"10%","start":897.63,"end":898.53,"confidence":0.99948263,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.2208203673362732},{"word":"difference","start":898.59,"end":899.09,"confidence":0.97155845,"punctuated_word":"difference.","sentiment":"neutral","sentiment_score":0.1619696170091629},{"word":"so","start":899.15,"end":899.39,"confidence":0.9997379,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17756377160549164},{"word":"you","start":899.39,"end":899.55,"confidence":0.99986935,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22141870856285095},{"word":"have","start":899.55,"end":900.03,"confidence":0.9998634,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2257992327213287},{"word":"80%","start":900.03,"end":900.75,"confidence":0.9972655,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.2585701644420624},{"word":"in","start":900.75,"end":900.99,"confidence":0.99979407,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26402178406715393},{"word":"your","start":900.99,"end":901.15,"confidence":0.9996517,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2642782926559448},{"word":"growth","start":901.15,"end":901.65,"confidence":0.9848787,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.3032013773918152},{"word":"and","start":901.87,"end":902.27,"confidence":0.9813665,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19614163041114807},{"word":"20","start":902.27,"end":902.77,"confidence":0.99982125,"punctuated_word":"20","sentiment":"positive","sentiment_score":0.3878922760486603},{"word":"in","start":902.83,"end":903.31,"confidence":0.99626285,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2341972440481186},{"word":"defensive","start":903.31,"end":903.81,"confidence":0.9892013,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":0.16050031781196594},{"word":"typically","start":904.96497,"end":905.44495,"confidence":0.9677346,"punctuated_word":"Typically,","sentiment":"neutral","sentiment_score":0.08760493993759155},{"word":"in","start":905.44495,"end":905.685,"confidence":0.99981266,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07842808961868286},{"word":"a","start":905.685,"end":905.845,"confidence":0.99549025,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1584949493408203},{"word":"high","start":905.845,"end":906.08496,"confidence":0.9607346,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.18050041794776917},{"word":"growth","start":906.08496,"end":906.40497,"confidence":0.99534154,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.17250072956085205},{"word":"you","start":906.40497,"end":906.64496,"confidence":0.9998839,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14116685092449188},{"word":"would","start":906.64496,"end":906.88495,"confidence":0.999871,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1865000426769257},{"word":"see","start":906.88495,"end":907.38495,"confidence":0.9998435,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.21790295839309692},{"word":"higher","start":907.605,"end":907.925,"confidence":0.9787037,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.16630226373672485},{"word":"fluctuations","start":907.925,"end":908.425,"confidence":0.9984224,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.20624467730522156},{"word":"short","start":909.045,"end":909.285,"confidence":0.9145044,"punctuated_word":"short","sentiment":"neutral","sentiment_score":0.13886860013008118},{"word":"term","start":909.285,"end":909.785,"confidence":0.9267845,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":0.14815762639045715},{"word":"but","start":910.08496,"end":910.485,"confidence":0.99931395,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.13355974853038788},{"word":"long","start":910.485,"end":910.805,"confidence":0.9744313,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2768069803714752},{"word":"term","start":910.805,"end":911.285,"confidence":0.97182447,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":0.3321115970611572},{"word":"you","start":911.285,"end":911.52496,"confidence":0.9998267,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4158311188220978},{"word":"can","start":911.52496,"end":911.76495,"confidence":0.9714674,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.451942503452301},{"word":"see","start":911.76495,"end":912.005,"confidence":0.9978453,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.5117520093917847},{"word":"higher","start":912.005,"end":912.32495,"confidence":0.99790704,"punctuated_word":"higher","sentiment":"positive","sentiment_score":0.4756730496883392},{"word":"returns","start":912.32495,"end":912.82495,"confidence":0.9991122,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.575248658657074},{"word":"as","start":912.88495,"end":913.125,"confidence":0.90613496,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4835988879203797},{"word":"as","start":913.125,"end":913.365,"confidence":0.9941643,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5201345682144165},{"word":"a","start":913.365,"end":913.52496,"confidence":0.9988422,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5768440961837769},{"word":"result","start":913.52496,"end":914.02496,"confidence":0.995841,"punctuated_word":"result.","sentiment":"positive","sentiment_score":0.4140683710575104},{"word":"growth","start":915.76495,"end":916.165,"confidence":0.7346135,"punctuated_word":"Growth,","sentiment":"neutral","sentiment_score":0.18446603417396543},{"word":"obviously","start":916.165,"end":916.565,"confidence":0.9815446,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.1667672097682953},{"word":"you","start":916.565,"end":916.725,"confidence":0.9967366,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17829574644565582},{"word":"see","start":916.725,"end":916.96497,"confidence":0.99639904,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1860919892787933},{"word":"slightly","start":916.96497,"end":917.365,"confidence":0.99493426,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":0.09717625379562378},{"word":"less","start":917.365,"end":917.685,"confidence":0.99931705,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.05209954082965851},{"word":"fluctuations","start":917.685,"end":918.185,"confidence":0.8790119,"punctuated_word":"fluctuations,","sentiment":"neutral","sentiment_score":0.08342118561267853},{"word":"but","start":918.485,"end":918.725,"confidence":0.99909234,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.055891163647174835},{"word":"you","start":918.725,"end":918.96497,"confidence":0.99987674,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009828239679336548},{"word":"can","start":918.96497,"end":919.20496,"confidence":0.99262166,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04007793217897415},{"word":"obviously","start":919.20496,"end":919.70496,"confidence":0.90811825,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.03578376770019531},{"word":"have","start":919.76495,"end":920.26495,"confidence":0.99872667,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0956556797027588},{"word":"a","start":920.36005,"end":920.44,"confidence":0.9966505,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.031321555376052856},{"word":"little","start":920.44,"end":920.60004,"confidence":0.9998851,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.030406370759010315},{"word":"bit","start":920.60004,"end":921.10004,"confidence":0.9998467,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.027311250567436215},{"word":"less","start":921.4,"end":921.48004,"confidence":0.99970144,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.027967408299446102},{"word":"growth","start":921.48004,"end":921.88,"confidence":0.8219911,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.029659688472747803},{"word":"in","start":921.88,"end":922.04004,"confidence":0.9996506,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.023546278476715088},{"word":"the","start":922.04004,"end":922.2,"confidence":0.9988953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0967431738972664},{"word":"returns","start":922.2,"end":922.7,"confidence":0.9982351,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.0980711281299591},{"word":"as","start":922.76,"end":922.84,"confidence":0.9998548,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.014301910996437073},{"word":"well","start":922.84,"end":923.34,"confidence":0.99853593,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.0067463889718055725},{"word":"looking","start":924.92004,"end":925.24005,"confidence":0.9180974,"punctuated_word":"Looking","sentiment":"neutral","sentiment_score":0.08301254361867905},{"word":"at","start":925.24005,"end":925.48004,"confidence":0.99989533,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07462989538908005},{"word":"a","start":925.48004,"end":925.80005,"confidence":0.99809366,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09707069396972656},{"word":"time","start":925.80005,"end":926.04004,"confidence":0.9739906,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.11328011751174928},{"word":"frame","start":926.04004,"end":926.54004,"confidence":0.9995413,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":0.15374866127967834},{"word":"point","start":926.76,"end":927.0,"confidence":0.88152426,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.06721470504999161},{"word":"of","start":927.0,"end":927.16003,"confidence":0.9363319,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1393931210041046},{"word":"view","start":927.16003,"end":927.48004,"confidence":0.9791722,"punctuated_word":"view,","sentiment":"neutral","sentiment_score":0.14672964811325073},{"word":"so","start":927.48004,"end":927.72003,"confidence":0.9978409,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15593168139457703},{"word":"making","start":927.72003,"end":928.04004,"confidence":0.9995427,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.18022432923316956},{"word":"sure","start":928.04004,"end":928.28,"confidence":0.9995803,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1405748873949051},{"word":"that","start":928.28,"end":928.52,"confidence":0.9996953,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15292739868164062},{"word":"you","start":928.52,"end":928.68005,"confidence":0.99989665,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14897730946540833},{"word":"have","start":928.68005,"end":928.84,"confidence":0.99976844,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1496909260749817},{"word":"enough","start":928.84,"end":929.16003,"confidence":0.99983895,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.12806881964206696},{"word":"time","start":929.16003,"end":929.48004,"confidence":0.99972945,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1712687462568283},{"word":"in","start":929.48004,"end":929.64,"confidence":0.9996325,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1239243894815445},{"word":"the","start":929.64,"end":929.80005,"confidence":0.9996569,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16881315410137177},{"word":"market","start":929.80005,"end":930.2,"confidence":0.99962807,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.13895636796951294},{"word":"for","start":930.2,"end":930.44,"confidence":0.99633837,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1305023431777954},{"word":"those","start":930.44,"end":930.76,"confidence":0.999342,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.13370513916015625},{"word":"fluctuations","start":930.76,"end":931.26,"confidence":0.6341659,"punctuated_word":"fluctuations.","sentiment":"neutral","sentiment_score":0.15550704300403595},{"word":"in","start":932.565,"end":932.805,"confidence":0.99955875,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.1978268921375275},{"word":"a","start":932.805,"end":933.205,"confidence":0.9990976,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2123866081237793},{"word":"high","start":933.205,"end":933.445,"confidence":0.99872965,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.22200584411621097},{"word":"growth","start":933.445,"end":933.84503,"confidence":0.99896586,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.21709607541561127},{"word":"we","start":933.84503,"end":934.085,"confidence":0.99983895,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2778216004371643},{"word":"wanna","start":934.085,"end":934.405,"confidence":0.9857582,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.32101231813430786},{"word":"allow","start":934.405,"end":934.905,"confidence":0.9982565,"punctuated_word":"allow","sentiment":"positive","sentiment_score":0.33779969811439514},{"word":"a","start":934.965,"end":935.125,"confidence":0.99964213,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20338281989097595},{"word":"minimum","start":935.125,"end":935.60504,"confidence":0.9999262,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.14057017862796783},{"word":"of","start":935.60504,"end":935.765,"confidence":0.9998927,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22015920281410217},{"word":"eight","start":935.765,"end":936.005,"confidence":0.998869,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.16346821188926697},{"word":"years","start":936.005,"end":936.245,"confidence":0.9949616,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.15574371814727783},{"word":"until","start":936.245,"end":936.565,"confidence":0.95053583,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.14899437129497528},{"word":"retirement","start":936.565,"end":937.065,"confidence":0.99025714,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.19735801219940183},{"word":"to","start":937.445,"end":937.60504,"confidence":0.99753064,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2016933411359787},{"word":"make","start":937.60504,"end":937.84503,"confidence":0.9992649,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.277827650308609},{"word":"sure","start":937.84503,"end":938.005,"confidence":0.99971336,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.23442545533180237},{"word":"you","start":938.005,"end":938.16504,"confidence":0.99452776,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2916584312915802},{"word":"have","start":938.16504,"end":938.325,"confidence":0.9997744,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.28462710976600647},{"word":"enough","start":938.325,"end":938.645,"confidence":0.9998479,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.2373426258563995},{"word":"time","start":938.645,"end":938.885,"confidence":0.99975604,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2915588915348053},{"word":"in","start":938.885,"end":939.045,"confidence":0.9998759,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2346331924200058},{"word":"the","start":939.045,"end":939.125,"confidence":0.9995833,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2708740234375},{"word":"market","start":939.125,"end":939.625,"confidence":0.99922705,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.2397635132074356},{"word":"growth","start":940.485,"end":940.885,"confidence":0.7944744,"punctuated_word":"Growth,","sentiment":"neutral","sentiment_score":0.1732102334499359},{"word":"we","start":940.885,"end":941.045,"confidence":0.95215476,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16663336753845215},{"word":"say","start":941.045,"end":941.365,"confidence":0.806143,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.14743077754974365},{"word":"minimum","start":941.365,"end":941.865,"confidence":0.9290399,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.110636405646801},{"word":"six","start":941.925,"end":942.245,"confidence":0.8825093,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.1516834944486618},{"word":"years","start":942.245,"end":942.745,"confidence":0.90372086,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.1658341884613037},{"word":"how","start":943.84503,"end":944.325,"confidence":0.9989723,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.18799197673797607},{"word":"do","start":944.325,"end":944.485,"confidence":0.9989208,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1418159455060959},{"word":"you","start":944.485,"end":944.72504,"confidence":0.9996032,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2266543954610825},{"word":"feel","start":944.72504,"end":945.045,"confidence":0.99963355,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.2335435152053833},{"word":"at","start":945.045,"end":945.205,"confidence":0.99934894,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2040073424577713},{"word":"the","start":945.205,"end":945.365,"confidence":0.9979584,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20295871794223783},{"word":"moment","start":945.365,"end":945.865,"confidence":0.9993454,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.3009266257286072},{"word":"do","start":945.925,"end":946.16504,"confidence":0.99988043,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.13417823612689972},{"word":"you","start":946.16504,"end":946.405,"confidence":0.99967575,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1867099106311798},{"word":"feel","start":946.405,"end":946.72504,"confidence":0.99987376,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.1746601164340973},{"word":"that","start":946.72504,"end":946.965,"confidence":0.99882036,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16246318817138672},{"word":"you","start":946.965,"end":947.125,"confidence":0.9997323,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19626417756080627},{"word":"are","start":947.125,"end":947.625,"confidence":0.99838245,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1747833788394928},{"word":"comfortable","start":947.94,"end":948.44,"confidence":0.99986124,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.15308818221092224},{"word":"taking","start":948.58,"end":948.9,"confidence":0.9996902,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.3092174530029297},{"word":"on","start":948.9,"end":949.06,"confidence":0.99951816,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4097684621810913},{"word":"a","start":949.06,"end":949.22003,"confidence":0.999918,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3075551390647888},{"word":"little","start":949.22003,"end":949.38,"confidence":0.99995744,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1873985081911087},{"word":"bit","start":949.38,"end":949.62,"confidence":0.9995915,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1882499158382416},{"word":"more","start":949.62,"end":950.12,"confidence":0.99969864,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2040698528289795},{"word":"high","start":950.26,"end":950.58,"confidence":0.9807904,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.37171223759651184},{"word":"growth","start":950.58,"end":951.08,"confidence":0.99770504,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.4599275290966034},{"word":"to","start":951.14,"end":951.38,"confidence":0.9969658,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.326015830039978},{"word":"get","start":951.38,"end":951.7,"confidence":0.9998274,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.430878221988678},{"word":"that","start":951.7,"end":952.2,"confidence":0.9995431,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3458366394042969},{"word":"growth","start":952.26,"end":952.76,"confidence":0.99765414,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.42848092317581177},{"word":"long","start":952.9,"end":953.22003,"confidence":0.9957048,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.3580520451068878},{"word":"term","start":953.22003,"end":953.72003,"confidence":0.9972067,"punctuated_word":"term?","sentiment":"neutral","sentiment_score":0.22516697645187375},{"word":"are","start":953.86,"end":954.10004,"confidence":0.99953485,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.05370531231164932},{"word":"you","start":954.10004,"end":954.26,"confidence":0.99981123,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010565400123596191},{"word":"feeling","start":954.26,"end":954.66003,"confidence":0.9998192,"punctuated_word":"feeling","sentiment":"neutral","sentiment_score":0.005696773529052734},{"word":"a","start":954.66003,"end":954.74,"confidence":0.9991959,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11526745557785034},{"word":"little","start":954.74,"end":954.98004,"confidence":0.99993443,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.1727948784828186},{"word":"bit","start":954.98004,"end":955.22003,"confidence":0.99944216,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.18310457468032837},{"word":"more","start":955.22003,"end":955.7,"confidence":0.999453,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.13609753549098969},{"word":"risk","start":955.7,"end":956.02,"confidence":0.9599282,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.106866255402565},{"word":"advanced","start":956.02,"end":956.52,"confidence":0.72354287,"punctuated_word":"advanced?","sentiment":"neutral","sentiment_score":-0.1923530399799347},{"word":"would","start":956.74,"end":956.98004,"confidence":0.9997428,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.10114283114671709},{"word":"you","start":956.98004,"end":957.14,"confidence":0.999627,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1186484917998314},{"word":"like","start":957.14,"end":957.38,"confidence":0.9993444,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.08866806328296661},{"word":"to","start":957.38,"end":957.7,"confidence":0.9985624,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11212946474552156},{"word":"change","start":957.7,"end":958.10004,"confidence":0.9995185,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.0031852424144744873},{"word":"it","start":958.10004,"end":958.60004,"confidence":0.99958897,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.03676259890198707},{"word":"what","start":959.22003,"end":959.46,"confidence":0.9993837,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.04200080037117005},{"word":"do","start":959.46,"end":959.62,"confidence":0.999634,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.00486147403717041},{"word":"you","start":959.62,"end":959.78,"confidence":0.9998196,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017848312854766846},{"word":"think","start":959.78,"end":960.28,"confidence":0.99903893,"punctuated_word":"think?","sentiment":"neutral","sentiment_score":0.018172290176153183},{"word":"yeah","start":971.645,"end":972.145,"confidence":0.95797265,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04105030372738838},{"word":"it's","start":973.085,"end":973.585,"confidence":0.99070406,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.14615589380264282},{"word":"ultimately","start":973.645,"end":974.145,"confidence":0.6361921,"punctuated_word":"ultimately,","sentiment":"neutral","sentiment_score":-0.232098788022995},{"word":"up","start":975.61,"end":975.65,"confidence":0.792303,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.07929861545562744},{"word":"yeah","start":975.69,"end":976.08997,"confidence":0.9812683,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.033700551837682724},{"word":"ultimately","start":976.08997,"end":976.57,"confidence":0.99819624,"punctuated_word":"Ultimately,","sentiment":"neutral","sentiment_score":0.02313210815191269},{"word":"it's","start":976.57,"end":976.88995,"confidence":0.9994627,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.14404702186584473},{"word":"kind","start":976.88995,"end":977.13,"confidence":0.98926127,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.17937085032463074},{"word":"of","start":977.13,"end":977.29,"confidence":0.9957579,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17181169986724854},{"word":"up","start":977.29,"end":977.37,"confidence":0.99442273,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1818118691444397},{"word":"through","start":977.37,"end":977.87,"confidence":0.5299757,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14339520037174225},{"word":"what","start":978.08997,"end":978.32996,"confidence":0.82622015,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.14502190053462982},{"word":"you","start":978.32996,"end":978.49,"confidence":0.999788,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15577088296413422},{"word":"are","start":978.49,"end":978.73,"confidence":0.99937195,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1406521201133728},{"word":"comfortable","start":978.73,"end":979.20996,"confidence":0.9998242,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.11033640801906586},{"word":"with","start":979.20996,"end":979.37,"confidence":0.9979934,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.1267978996038437},{"word":"so","start":979.37,"end":979.52997,"confidence":0.9995604,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1848958134651184},{"word":"from","start":979.52997,"end":979.69,"confidence":0.99957675,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.25865793228149414},{"word":"a","start":979.69,"end":979.85,"confidence":0.99920386,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2404405772686005},{"word":"time","start":979.85,"end":980.08997,"confidence":0.97526747,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2179335504770279},{"word":"frame","start":980.08997,"end":980.32996,"confidence":0.9995664,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":0.26882126927375793},{"word":"point","start":980.32996,"end":980.57,"confidence":0.9997404,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.1849201023578644},{"word":"of","start":980.57,"end":980.73,"confidence":0.9992487,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2217651009559631},{"word":"view","start":980.73,"end":981.13,"confidence":0.99943125,"punctuated_word":"view,","sentiment":"neutral","sentiment_score":0.1894965767860413},{"word":"you","start":981.13,"end":981.29,"confidence":0.99923146,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2421226501464844},{"word":"do","start":981.29,"end":981.44995,"confidence":0.9999268,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2559703588485718},{"word":"have","start":981.44995,"end":981.69,"confidence":0.9998543,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24610206484794617},{"word":"plenty","start":981.69,"end":982.08997,"confidence":0.9991647,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":0.14976754784584043},{"word":"of","start":982.08997,"end":982.25,"confidence":0.9993455,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16563206911087036},{"word":"time","start":982.25,"end":982.41,"confidence":0.995769,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.17497411370277405},{"word":"until","start":982.41,"end":982.73,"confidence":0.82690686,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.09671051800251008},{"word":"retirement","start":982.73,"end":983.23,"confidence":0.8781865,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.11553660035133362},{"word":"so","start":983.37,"end":983.76996,"confidence":0.9960956,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.170611172914505},{"word":"we","start":983.76996,"end":984.01,"confidence":0.99720806,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23645424842834473},{"word":"typically","start":984.01,"end":984.51,"confidence":0.9960146,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":0.1970018744468689},{"word":"see","start":984.57,"end":984.81,"confidence":0.9955846,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.1971115469932556},{"word":"you","start":984.81,"end":984.88995,"confidence":0.99980384,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1831270307302475},{"word":"know","start":984.88995,"end":985.13,"confidence":0.9999651,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.15902549028396606},{"word":"a","start":985.13,"end":985.20996,"confidence":0.99973875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15187647938728333},{"word":"lot","start":985.20996,"end":985.44995,"confidence":0.9998542,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.12471754103899002},{"word":"of","start":985.44995,"end":985.52997,"confidence":0.9991334,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1266767680644989},{"word":"clients","start":985.52997,"end":986.02997,"confidence":0.95084655,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.10624545067548752},{"word":"in","start":986.25,"end":986.49,"confidence":0.94627416,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08836153149604797},{"word":"your","start":986.49,"end":986.73,"confidence":0.9997527,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10876355320215224},{"word":"age","start":986.73,"end":987.20996,"confidence":0.9993874,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.09998837113380432},{"word":"around","start":987.20996,"end":987.52997,"confidence":0.99444073,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.12691277265548706},{"word":"a","start":987.52997,"end":987.61,"confidence":0.9623711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12926411628723145},{"word":"high","start":987.61,"end":987.85,"confidence":0.98271185,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.14559638500213623},{"word":"growth","start":987.85,"end":988.17,"confidence":0.95042723,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.18994179368019104},{"word":"if","start":988.17,"end":988.32996,"confidence":0.9949569,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11376015096902849},{"word":"not","start":988.32996,"end":988.57,"confidence":0.9999367,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.07052000612020493},{"word":"even","start":988.57,"end":988.81,"confidence":0.9427636,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.10781531780958176},{"word":"more","start":988.81,"end":989.31,"confidence":0.8272357,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":0.104741632938385},{"word":"because","start":989.595,"end":989.83496,"confidence":0.99982786,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08248025178909302},{"word":"you","start":989.83496,"end":989.995,"confidence":0.999918,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1602945774793625},{"word":"have","start":989.995,"end":990.235,"confidence":0.9999169,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17727962136268616},{"word":"the","start":990.235,"end":990.475,"confidence":0.99968624,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.154133141040802},{"word":"time","start":990.475,"end":990.975,"confidence":0.9707282,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.13186265528202057},{"word":"but","start":991.035,"end":991.195,"confidence":0.99904305,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.10400039702653883},{"word":"at","start":991.195,"end":991.355,"confidence":0.98102164,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09501614421606064},{"word":"the","start":991.355,"end":991.51495,"confidence":0.99966395,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1054823473095894},{"word":"same","start":991.51495,"end":991.755,"confidence":0.9998857,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.1369968056678772},{"word":"time","start":991.755,"end":991.995,"confidence":0.99844337,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.16273751854896543},{"word":"you","start":991.995,"end":992.235,"confidence":0.99985945,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1652341187000275},{"word":"also","start":992.235,"end":992.635,"confidence":0.8949672,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.15154460072517395},{"word":"then","start":992.635,"end":993.035,"confidence":0.997413,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19450831413269043},{"word":"play","start":993.035,"end":993.355,"confidence":0.9829936,"punctuated_word":"play","sentiment":"neutral","sentiment_score":0.15143363177776337},{"word":"in","start":993.355,"end":993.595,"confidence":0.99804413,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18175676465034485},{"word":"with","start":993.595,"end":993.83496,"confidence":0.99974304,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.168846994638443},{"word":"your","start":993.83496,"end":994.15497,"confidence":0.99975413,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1346084177494049},{"word":"risk","start":994.15497,"end":994.475,"confidence":0.9998566,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.1110103577375412},{"word":"tolerance","start":994.475,"end":994.975,"confidence":0.98554766,"punctuated_word":"tolerance.","sentiment":"neutral","sentiment_score":0.08392161875963211},{"word":"but","start":995.435,"end":995.675,"confidence":0.8403763,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.024706996977329258},{"word":"if","start":995.675,"end":995.915,"confidence":0.99843675,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.046685632318258286},{"word":"you","start":995.915,"end":996.07495,"confidence":0.99979264,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.026565104722976685},{"word":"see","start":996.07495,"end":996.39496,"confidence":0.999676,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.013343468308448792},{"word":"a","start":996.39496,"end":996.555,"confidence":0.99387,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04685647785663605},{"word":"lot","start":996.555,"end":996.71497,"confidence":0.9998124,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.09759575128555298},{"word":"of","start":996.71497,"end":996.95496,"confidence":0.99981874,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10593140870332718},{"word":"fluctuations","start":996.95496,"end":997.45496,"confidence":0.99244493,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":-0.0574028417468071},{"word":"and","start":997.675,"end":997.915,"confidence":0.8076316,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15866336226463318},{"word":"if","start":997.915,"end":998.07495,"confidence":0.995695,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.12056759744882584},{"word":"you","start":998.07495,"end":998.235,"confidence":0.99983823,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12018287181854248},{"word":"have","start":998.235,"end":998.735,"confidence":0.8792203,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.15301038324832916},{"word":"you","start":998.95496,"end":999.035,"confidence":0.9947066,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13954153656959534},{"word":"know","start":999.035,"end":999.355,"confidence":0.9995824,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.12774118781089783},{"word":"a","start":999.355,"end":999.51495,"confidence":0.999451,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11947870254516602},{"word":"year","start":999.51495,"end":999.755,"confidence":0.99959713,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.09381463378667831},{"word":"or","start":999.755,"end":999.995,"confidence":0.99879634,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.12692072987556458},{"word":"so","start":999.995,"end":1000.15497,"confidence":0.9967519,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1483602374792099},{"word":"where","start":1000.15497,"end":1000.39496,"confidence":0.9952265,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.1611577868461609},{"word":"it","start":1000.39496,"end":1000.635,"confidence":0.9947819,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.16287966072559357},{"word":"is","start":1000.635,"end":1000.95496,"confidence":0.9995221,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16366752982139587},{"word":"down","start":1000.95496,"end":1001.45496,"confidence":0.99657977,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.177299827337265},{"word":"if","start":1001.675,"end":1001.83496,"confidence":0.9884007,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2188103049993515},{"word":"that's","start":1001.83496,"end":1002.07495,"confidence":0.99993587,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.21973282098770144},{"word":"going","start":1002.07495,"end":1002.315,"confidence":0.9998166,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.19440555572509768},{"word":"to","start":1002.315,"end":1002.475,"confidence":0.9989992,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20867376029491425},{"word":"make","start":1002.475,"end":1002.71497,"confidence":0.9998323,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.21394102275371552},{"word":"you","start":1002.71497,"end":1002.875,"confidence":0.9991953,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2209930568933487},{"word":"quite","start":1002.875,"end":1003.27496,"confidence":0.99984634,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.2050623744726181},{"word":"concerned","start":1003.27496,"end":1003.77496,"confidence":0.9929968,"punctuated_word":"concerned,","sentiment":"neutral","sentiment_score":-0.22870294749736783},{"word":"we","start":1005.08,"end":1005.32,"confidence":0.9893311,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08496859669685364},{"word":"could","start":1005.32,"end":1005.56006,"confidence":0.9999161,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.040333136916160583},{"word":"look","start":1005.56006,"end":1005.80005,"confidence":0.9996462,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.073199063539505},{"word":"at","start":1005.80005,"end":1006.12006,"confidence":0.9993967,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.042554110288619995},{"word":"changing","start":1006.12006,"end":1006.52,"confidence":0.99918264,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":-0.029294520616531372},{"word":"up","start":1006.52,"end":1007.0,"confidence":0.74021786,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.032848816365003586},{"word":"the","start":1007.0,"end":1007.16003,"confidence":0.9994715,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.09281919151544572},{"word":"only","start":1007.16003,"end":1007.4,"confidence":0.9999192,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.07642882317304611},{"word":"thing","start":1007.4,"end":1007.56006,"confidence":0.9992924,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.06000695377588272},{"word":"is","start":1007.56006,"end":1007.88,"confidence":0.9995999,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05614469200372696},{"word":"by","start":1007.88,"end":1008.38,"confidence":0.9654134,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.08923263102769852},{"word":"changing","start":1008.44,"end":1008.92004,"confidence":0.99979323,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.08628357201814651},{"word":"it","start":1008.92004,"end":1009.42004,"confidence":0.9936317,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.03445153683423996},{"word":"it","start":1010.04004,"end":1010.2,"confidence":0.9186043,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.018032178282737732},{"word":"will","start":1010.2,"end":1010.44,"confidence":0.9994111,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0502697080373764},{"word":"mean","start":1010.44,"end":1010.68005,"confidence":0.99985456,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.025004684925079346},{"word":"that","start":1010.68005,"end":1010.84,"confidence":0.90082526,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.006038360297679901},{"word":"obviously","start":1010.84,"end":1011.16003,"confidence":0.9996466,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.015564508736133575},{"word":"you","start":1011.16003,"end":1011.32,"confidence":0.9999205,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012257367372512816},{"word":"would","start":1011.32,"end":1011.56006,"confidence":0.9997975,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.01067321002483368},{"word":"sell","start":1011.56006,"end":1011.88,"confidence":0.9806896,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.06643933057785034},{"word":"down","start":1011.88,"end":1012.38,"confidence":0.9995427,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0002899542450904846},{"word":"some","start":1012.44,"end":1012.76,"confidence":0.9944489,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.08487356454133987},{"word":"investments","start":1012.76,"end":1013.24005,"confidence":0.6105937,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.07542610168457031},{"word":"so","start":1013.24005,"end":1013.4,"confidence":0.8339938,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.05914980173110962},{"word":"that","start":1013.4,"end":1013.56006,"confidence":0.9976888,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01586892455816269},{"word":"can","start":1013.56006,"end":1013.80005,"confidence":0.9979273,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.042511843144893646},{"word":"be","start":1013.80005,"end":1013.88,"confidence":0.9989172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.016287371516227722},{"word":"a","start":1013.88,"end":1013.96,"confidence":0.9995572,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03480233997106552},{"word":"little","start":1013.96,"end":1014.2,"confidence":0.99993587,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.033886976540088654},{"word":"bit","start":1014.2,"end":1014.36005,"confidence":0.9996213,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07571998238563538},{"word":"of","start":1014.36005,"end":1014.52,"confidence":0.99963045,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11244934052228928},{"word":"capital","start":1014.52,"end":1014.92004,"confidence":0.99839264,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.12603384256362915},{"word":"gains","start":1014.92004,"end":1015.32,"confidence":0.9894677,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.06215355545282364},{"word":"tax","start":1015.32,"end":1015.82,"confidence":0.84760594,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.029160276055336},{"word":"with","start":1016.12006,"end":1016.28,"confidence":0.9091105,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.061350852251052856},{"word":"it","start":1016.28,"end":1016.68005,"confidence":0.9745303,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.07969937473535538},{"word":"we","start":1016.68005,"end":1016.92004,"confidence":0.999488,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.146331787109375},{"word":"obviously","start":1016.92004,"end":1017.24005,"confidence":0.556594,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.13634321093559265},{"word":"try","start":1017.24005,"end":1017.48004,"confidence":0.916071,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.17502979934215546},{"word":"to","start":1017.48004,"end":1017.64,"confidence":0.973279,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1450691819190979},{"word":"minimize","start":1017.64,"end":1018.12006,"confidence":0.9996784,"punctuated_word":"minimize","sentiment":"neutral","sentiment_score":0.09715013951063156},{"word":"that","start":1018.12006,"end":1018.36005,"confidence":0.99979573,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.023672744631767273},{"word":"by","start":1018.36005,"end":1018.60004,"confidence":0.99984646,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.04684533178806305},{"word":"looking","start":1018.60004,"end":1019.0,"confidence":0.9998042,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.10009364038705826},{"word":"at","start":1019.0,"end":1019.5,"confidence":0.9995833,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07276086509227753},{"word":"swapping","start":1019.745,"end":1020.145,"confidence":0.9990546,"punctuated_word":"swapping","sentiment":"neutral","sentiment_score":0.10743888467550278},{"word":"a","start":1020.145,"end":1020.305,"confidence":0.9917183,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14426903426647186},{"word":"few","start":1020.305,"end":1020.465,"confidence":0.99988544,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.1464802324771881},{"word":"things","start":1020.465,"end":1020.78503,"confidence":0.9988287,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.12928777933120728},{"word":"out","start":1020.78503,"end":1021.105,"confidence":0.9779928,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1444592326879501},{"word":"to","start":1021.105,"end":1021.34503,"confidence":0.99914944,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1640775203704834},{"word":"minimize","start":1021.34503,"end":1021.84503,"confidence":0.9994349,"punctuated_word":"minimize","sentiment":"neutral","sentiment_score":0.13209116458892822},{"word":"it","start":1021.905,"end":1022.405,"confidence":0.76621735,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.13520333170890808},{"word":"and","start":1023.505,"end":1023.665,"confidence":0.8717589,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1739025115966797},{"word":"it","start":1023.665,"end":1023.825,"confidence":0.99856335,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2115838527679443},{"word":"is","start":1023.825,"end":1024.0651,"confidence":0.9982686,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18532535433769223},{"word":"more","start":1024.0651,"end":1024.385,"confidence":0.998468,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2000657021999359},{"word":"of","start":1024.385,"end":1024.625,"confidence":0.99935645,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20131021738052368},{"word":"your","start":1024.625,"end":1024.945,"confidence":0.9998012,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21265368163585663},{"word":"your","start":1024.945,"end":1025.265,"confidence":0.99881303,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2160549163818359},{"word":"long","start":1025.265,"end":1025.505,"confidence":0.9992914,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2008664309978485},{"word":"term","start":1025.505,"end":1025.905,"confidence":0.9987896,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.20433273911476135},{"word":"investment","start":1025.905,"end":1026.385,"confidence":0.95759726,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.08188576251268387},{"word":"so","start":1026.385,"end":1026.625,"confidence":0.8827702,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.07337145507335663},{"word":"typically","start":1026.625,"end":1027.125,"confidence":0.99981046,"punctuated_word":"typically,","sentiment":"neutral","sentiment_score":0.10874181985855104},{"word":"if","start":1027.905,"end":1028.0651,"confidence":0.9713225,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12444034218788148},{"word":"we","start":1028.0651,"end":1028.225,"confidence":0.9998741,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13590753078460693},{"word":"are","start":1028.225,"end":1028.625,"confidence":0.9998037,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10816358774900436},{"word":"decreasing","start":1028.625,"end":1029.125,"confidence":0.9988562,"punctuated_word":"decreasing","sentiment":"neutral","sentiment_score":0.07901348173618317},{"word":"it","start":1029.185,"end":1029.345,"confidence":0.9539027,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.02381712943315506},{"word":"which","start":1029.345,"end":1029.505,"confidence":0.99865425,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1307392567396164},{"word":"we're","start":1029.505,"end":1029.745,"confidence":0.9919342,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.16978022456169128},{"word":"more","start":1029.745,"end":1029.825,"confidence":0.99984753,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2417642772197723},{"word":"than","start":1029.825,"end":1030.0651,"confidence":0.99863464,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.3047851324081421},{"word":"happy","start":1030.0651,"end":1030.305,"confidence":0.99980325,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.29889175295829773},{"word":"to","start":1030.305,"end":1030.385,"confidence":0.99877995,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23534700274467468},{"word":"do","start":1030.385,"end":1030.545,"confidence":0.99927217,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17628823220729828},{"word":"if","start":1030.545,"end":1030.705,"confidence":0.95133233,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17555156350135803},{"word":"you","start":1030.705,"end":1030.785,"confidence":0.9901321,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1447475105524063},{"word":"are","start":1030.785,"end":1031.025,"confidence":0.9452463,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1218222975730896},{"word":"comp","start":1031.025,"end":1031.145,"confidence":0.7974386,"punctuated_word":"comp","sentiment":"neutral","sentiment_score":0.1791488528251648},{"word":"if","start":1031.265,"end":1031.505,"confidence":0.99858284,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1608082354068756},{"word":"you","start":1031.505,"end":1031.665,"confidence":0.998831,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.123830609023571},{"word":"would","start":1031.665,"end":1031.985,"confidence":0.99812883,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1149771213531494},{"word":"prefer","start":1031.985,"end":1032.485,"confidence":0.95853597,"punctuated_word":"prefer,","sentiment":"neutral","sentiment_score":0.09464724361896516},{"word":"it","start":1033.02,"end":1033.26,"confidence":0.9876226,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.09540069103240968},{"word":"is","start":1033.26,"end":1033.42,"confidence":0.9997025,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16247011721134186},{"word":"something","start":1033.42,"end":1033.74,"confidence":0.9999193,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.17637494206428528},{"word":"that","start":1033.74,"end":1033.98,"confidence":0.9997855,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1802336871623993},{"word":"you","start":1033.98,"end":1034.14,"confidence":0.9997708,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17170952260494232},{"word":"ideally","start":1034.14,"end":1034.54,"confidence":0.9849723,"punctuated_word":"ideally","sentiment":"neutral","sentiment_score":0.1502775400876999},{"word":"want","start":1034.54,"end":1034.78,"confidence":0.9985581,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.18972286581993103},{"word":"to","start":1034.78,"end":1034.9401,"confidence":0.99895287,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1440526396036148},{"word":"leave","start":1034.9401,"end":1035.18,"confidence":0.9496379,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.1031484156847},{"word":"for","start":1035.18,"end":1035.42,"confidence":0.9998055,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10534648597240448},{"word":"a","start":1035.42,"end":1035.5,"confidence":0.9997656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16592362523078918},{"word":"longer","start":1035.5,"end":1035.9,"confidence":0.99804854,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.15522858500480652},{"word":"period","start":1035.9,"end":1036.22,"confidence":0.9993223,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.17870768904685974},{"word":"of","start":1036.22,"end":1036.38,"confidence":0.999199,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20265021920204165},{"word":"time","start":1036.38,"end":1036.88,"confidence":0.9174814,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.1983095109462738},{"word":"so","start":1037.18,"end":1037.3401,"confidence":0.98516417,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08009389042854309},{"word":"it's","start":1037.3401,"end":1037.5,"confidence":0.9996735,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.12386145442724228},{"word":"not","start":1037.5,"end":1037.74,"confidence":0.999941,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06512332707643509},{"word":"typically","start":1037.74,"end":1038.22,"confidence":0.9957366,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":0.0975022166967392},{"word":"something","start":1038.22,"end":1038.62,"confidence":0.999721,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.024308085441589355},{"word":"you","start":1038.62,"end":1038.86,"confidence":0.99985266,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012508779764175417},{"word":"want","start":1038.86,"end":1039.18,"confidence":0.9911049,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.04552149772644043},{"word":"to","start":1039.18,"end":1039.42,"confidence":0.9987722,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07194152474403381},{"word":"do","start":1039.42,"end":1039.92,"confidence":0.9995684,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09758252650499344},{"word":"each","start":1040.22,"end":1040.4601,"confidence":0.9366948,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.04158422350883484},{"word":"year","start":1040.4601,"end":1040.78,"confidence":0.97602606,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.024875488132238388},{"word":"you","start":1040.78,"end":1041.02,"confidence":0.9983163,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.062100984156131744},{"word":"wanna","start":1041.02,"end":1041.42,"confidence":0.7322946,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.07496940344572067},{"word":"unless","start":1041.66,"end":1042.06,"confidence":0.96603674,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":0.011899307370185852},{"word":"you","start":1042.06,"end":1042.22,"confidence":0.9870996,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05425609648227692},{"word":"you","start":1042.22,"end":1042.38,"confidence":0.9637751,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03473512828350067},{"word":"get","start":1042.38,"end":1042.54,"confidence":0.9987238,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.02873070538043976},{"word":"to","start":1042.54,"end":1042.7001,"confidence":0.98453736,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02245648205280304},{"word":"a","start":1042.7001,"end":1042.78,"confidence":0.9949767,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.030594050884246823},{"word":"point","start":1042.78,"end":1043.02,"confidence":0.9996331,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.017538823187351227},{"word":"where","start":1043.02,"end":1043.18,"confidence":0.9995672,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.04141247272491455},{"word":"you","start":1043.18,"end":1043.3401,"confidence":0.99986947,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0829785019159317},{"word":"are","start":1043.3401,"end":1043.42,"confidence":0.9987124,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0662844181060791},{"word":"getting","start":1043.42,"end":1043.66,"confidence":0.9995859,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.035269469022750854},{"word":"close","start":1043.66,"end":1043.9,"confidence":0.6897104,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.059525266289711},{"word":"to","start":1043.9,"end":1044.06,"confidence":0.9975926,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08969474583864212},{"word":"retirement","start":1044.06,"end":1044.56,"confidence":0.9847233,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.021806512027978897},{"word":"then","start":1044.86,"end":1045.02,"confidence":0.9996885,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05887486785650253},{"word":"we","start":1045.02,"end":1045.26,"confidence":0.9993993,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11054786294698717},{"word":"do","start":1045.26,"end":1045.42,"confidence":0.99979085,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06742966175079346},{"word":"wanna","start":1045.42,"end":1045.66,"confidence":0.99576867,"punctuated_word":"wanna,","sentiment":"neutral","sentiment_score":0.04504060745239258},{"word":"you","start":1045.66,"end":1045.8201,"confidence":0.9998926,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04894465208053589},{"word":"know","start":1045.8201,"end":1046.14,"confidence":0.9998499,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07162109762430191},{"word":"gradually","start":1046.14,"end":1046.64,"confidence":0.9979512,"punctuated_word":"gradually","sentiment":"neutral","sentiment_score":0.08757643401622772},{"word":"take","start":1046.78,"end":1047.1,"confidence":0.55474573,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.061367809772491455},{"word":"it","start":1047.1,"end":1047.26,"confidence":0.9334986,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0678551197052002},{"word":"down","start":1047.26,"end":1047.5801,"confidence":0.9997311,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0960766300559044},{"word":"the","start":1047.5801,"end":1047.8201,"confidence":0.99260134,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10418488830327988},{"word":"rest","start":1047.8201,"end":1048.3201,"confidence":0.74223536,"punctuated_word":"rest.","sentiment":"neutral","sentiment_score":0.07261475920677185},{"word":"yeah","start":1050.8251,"end":1051.3251,"confidence":0.83942425,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.07021437585353851},{"word":"are","start":1051.385,"end":1051.545,"confidence":0.9968832,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.0593358613550663},{"word":"you","start":1051.545,"end":1051.7051,"confidence":0.9853697,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05567217990756035},{"word":"sure","start":1051.7051,"end":1052.2051,"confidence":0.99991375,"punctuated_word":"sure?","sentiment":"neutral","sentiment_score":0.07132352888584137},{"word":"okay","start":1052.905,"end":1053.405,"confidence":0.9989544,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06281158328056335},{"word":"yeah","start":1057.0651,"end":1057.5651,"confidence":0.9301893,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.011166084557771684},{"word":"okay","start":1058.3451,"end":1058.8251,"confidence":0.99536335,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.21940933167934415},{"word":"perfect","start":1058.8251,"end":1059.3251,"confidence":0.9974798,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4450387954711914},{"word":"and","start":1059.865,"end":1060.185,"confidence":0.71149796,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17303884029388428},{"word":"kind","start":1060.185,"end":1060.3451,"confidence":0.9577926,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06808087974786758},{"word":"of","start":1060.3451,"end":1060.505,"confidence":0.99977547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1068313494324684},{"word":"like","start":1060.505,"end":1060.665,"confidence":0.8862999,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10868893563747406},{"word":"we","start":1060.665,"end":1060.8251,"confidence":0.97087795,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16575750708580017},{"word":"touched","start":1060.8251,"end":1061.145,"confidence":0.9268319,"punctuated_word":"touched","sentiment":"neutral","sentiment_score":0.13084498047828674},{"word":"on","start":1061.145,"end":1061.305,"confidence":0.99793756,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05133357644081116},{"word":"already","start":1061.305,"end":1061.785,"confidence":0.9995074,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.11058385670185088},{"word":"as","start":1061.785,"end":1062.025,"confidence":0.9938002,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04806993901729584},{"word":"well","start":1062.025,"end":1062.265,"confidence":0.9989109,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.09084628522396088},{"word":"that","start":1062.265,"end":1062.425,"confidence":0.9120897,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.07450678944587708},{"word":"you","start":1062.425,"end":1062.665,"confidence":0.99883646,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01456623524427414},{"word":"know","start":1062.665,"end":1063.02,"confidence":0.9987807,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07884326577186584},{"word":"in","start":1063.1,"end":1063.18,"confidence":0.9996215,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.007576495409011841},{"word":"a","start":1063.18,"end":1063.3401,"confidence":0.97825843,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006587933748960495},{"word":"high","start":1063.3401,"end":1063.5,"confidence":0.99259865,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.08195687085390091},{"word":"growth","start":1063.5,"end":1063.98,"confidence":0.99078923,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.07605813443660736},{"word":"portfolio","start":1063.98,"end":1064.48,"confidence":0.9893749,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.08253344893455505},{"word":"typically","start":1064.7001,"end":1065.18,"confidence":0.94181323,"punctuated_word":"typically,","sentiment":"neutral","sentiment_score":-0.039683301001787186},{"word":"the","start":1065.18,"end":1065.5,"confidence":0.9996433,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05867274850606918},{"word":"likelihood","start":1065.5,"end":1066.0,"confidence":0.99969745,"punctuated_word":"likelihood","sentiment":"neutral","sentiment_score":-0.23846717178821564},{"word":"of","start":1066.06,"end":1066.22,"confidence":0.99971646,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.24414029717445376},{"word":"a","start":1066.22,"end":1066.46,"confidence":0.99914217,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2801508605480194},{"word":"negative","start":1066.46,"end":1066.9401,"confidence":0.9999721,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.2971615195274353},{"word":"return","start":1066.9401,"end":1067.4401,"confidence":0.82451636,"punctuated_word":"return,","sentiment":"negative","sentiment_score":-0.3494676947593689},{"word":"now","start":1067.66,"end":1067.8201,"confidence":0.9794714,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.1996767818927765},{"word":"that","start":1067.8201,"end":1067.98,"confidence":0.9755887,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19001325964927673},{"word":"is","start":1067.98,"end":1068.22,"confidence":0.9991767,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20037634670734408},{"word":"obviously","start":1068.22,"end":1068.7001,"confidence":0.69818336,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.17837783694267273},{"word":"you","start":1068.7001,"end":1068.86,"confidence":0.3671594,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1833428144454956},{"word":"don't","start":1068.86,"end":1069.1,"confidence":0.99993265,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13816283643245697},{"word":"know","start":1069.1,"end":1069.26,"confidence":0.99902976,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.2030034065246582},{"word":"what's","start":1069.26,"end":1069.5801,"confidence":0.9984342,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.1807807683944702},{"word":"going","start":1069.5801,"end":1069.74,"confidence":0.99960905,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.17649966478347778},{"word":"to","start":1069.74,"end":1069.8201,"confidence":0.99763453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16766420006752014},{"word":"happen","start":1069.8201,"end":1070.14,"confidence":0.9998934,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.15359461307525635},{"word":"in","start":1070.14,"end":1070.22,"confidence":0.99961674,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11771444976329803},{"word":"the","start":1070.22,"end":1070.3,"confidence":0.99954957,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07364028692245483},{"word":"world","start":1070.3,"end":1070.8,"confidence":0.8451381,"punctuated_word":"world,","sentiment":"neutral","sentiment_score":-0.07455800473690033},{"word":"or","start":1071.18,"end":1071.42,"confidence":0.83700305,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06467241793870926},{"word":"the","start":1071.42,"end":1071.5801,"confidence":0.9974349,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05216888338327408},{"word":"market","start":1071.5801,"end":1071.98,"confidence":0.87314284,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":-0.05501050502061844},{"word":"we","start":1071.98,"end":1072.14,"confidence":0.9997019,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.007025927305221558},{"word":"see","start":1072.14,"end":1072.38,"confidence":0.9998241,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.06693585216999054},{"word":"about","start":1072.38,"end":1072.7001,"confidence":0.99353176,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.08795001357793808},{"word":"one","start":1072.7001,"end":1072.9401,"confidence":0.99952745,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.113051638007164},{"word":"in","start":1072.9401,"end":1073.18,"confidence":0.99721175,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06377122551202774},{"word":"every","start":1073.18,"end":1073.5,"confidence":0.99968326,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.05146328359842301},{"word":"five","start":1073.5,"end":1073.8201,"confidence":0.998831,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.07966823875904083},{"word":"years","start":1073.8201,"end":1074.3,"confidence":0.99782825,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.0791793242096901},{"word":"so","start":1074.3,"end":1074.54,"confidence":0.99853814,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0023014098405838013},{"word":"during","start":1074.54,"end":1074.9401,"confidence":0.9031621,"punctuated_word":"during,","sentiment":"neutral","sentiment_score":-0.026690274477005005},{"word":"obviously","start":1074.9401,"end":1075.4401,"confidence":0.9989761,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.016886938363313675},{"word":"their","start":1075.5,"end":1075.66,"confidence":0.5568221,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.04755699634552002},{"word":"investing","start":1075.66,"end":1076.14,"confidence":0.82445693,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":-0.04389162361621857},{"word":"period","start":1076.14,"end":1076.46,"confidence":0.8921912,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":-0.00818200595676899},{"word":"there's","start":1076.46,"end":1076.7001,"confidence":0.5908855,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.005835093557834625},{"word":"going","start":1076.7001,"end":1076.9401,"confidence":0.99593484,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.027474328875541687},{"word":"to","start":1076.9401,"end":1077.1,"confidence":0.9992281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.024714842438697815},{"word":"be","start":1077.1,"end":1077.26,"confidence":0.9979242,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.013830885291099548},{"word":"times","start":1077.26,"end":1077.735,"confidence":0.65400326,"punctuated_word":"times","sentiment":"neutral","sentiment_score":0.0012905895709991455},{"word":"like","start":1077.975,"end":1078.215,"confidence":0.999418,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.029685690999031067},{"word":"now","start":1078.215,"end":1078.455,"confidence":0.98686457,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.006307695060968399},{"word":"for","start":1078.455,"end":1078.695,"confidence":0.9999192,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0360308513045311},{"word":"example","start":1078.695,"end":1079.015,"confidence":0.9993057,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.009029068052768707},{"word":"where","start":1079.015,"end":1079.335,"confidence":0.9997044,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.005657713860273361},{"word":"we've","start":1079.335,"end":1079.575,"confidence":0.98040867,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.00405893474817276},{"word":"seen","start":1079.575,"end":1079.815,"confidence":0.9995957,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.008543968200683594},{"word":"a","start":1079.815,"end":1079.895,"confidence":0.99963367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03336383402347565},{"word":"lot","start":1079.895,"end":1080.135,"confidence":0.99996245,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.03825975209474563},{"word":"more","start":1080.135,"end":1080.455,"confidence":0.9995066,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.07233106344938278},{"word":"changes","start":1080.455,"end":1080.955,"confidence":0.7874195,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":-0.047832004725933075},{"word":"and","start":1082.535,"end":1083.015,"confidence":0.99797076,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0772152841091156},{"word":"things","start":1083.015,"end":1083.335,"confidence":0.9974675,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.10135453939437866},{"word":"aren't","start":1083.335,"end":1083.655,"confidence":0.9996772,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.09851245582103728},{"word":"obviously","start":1083.655,"end":1084.135,"confidence":0.68779045,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.10442407429218292},{"word":"growing","start":1084.135,"end":1084.615,"confidence":0.99685824,"punctuated_word":"growing","sentiment":"neutral","sentiment_score":-0.05024731159210205},{"word":"as","start":1084.615,"end":1084.855,"confidence":0.99615496,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06880532950162888},{"word":"much","start":1084.855,"end":1085.355,"confidence":0.95603585,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.06203833594918251},{"word":"but","start":1085.415,"end":1085.655,"confidence":0.83731526,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06827855855226517},{"word":"then","start":1085.655,"end":1086.155,"confidence":0.999655,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1021413430571556},{"word":"with","start":1086.455,"end":1086.775,"confidence":0.934455,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15415874123573303},{"word":"how","start":1086.775,"end":1086.9349,"confidence":0.9994529,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.16781163215637207},{"word":"your","start":1086.9349,"end":1087.1749,"confidence":0.97873175,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.25011563301086426},{"word":"investments","start":1087.1749,"end":1087.6749,"confidence":0.9954066,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.10619976371526718},{"word":"are","start":1087.815,"end":1088.0549,"confidence":0.9989016,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.26121985912323},{"word":"invested","start":1088.0549,"end":1088.535,"confidence":0.9997551,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.2021387070417404},{"word":"as","start":1088.535,"end":1088.775,"confidence":0.98630106,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.31954851746559143},{"word":"well","start":1088.775,"end":1089.015,"confidence":0.99732554,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.3290225863456726},{"word":"it","start":1089.015,"end":1089.1749,"confidence":0.8535638,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.34467244148254395},{"word":"will","start":1089.1749,"end":1089.415,"confidence":0.9997677,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.19703185558319092},{"word":"grow","start":1089.415,"end":1089.915,"confidence":0.9996113,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.3020128607749939},{"word":"long","start":1089.975,"end":1090.295,"confidence":0.96464044,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2085593193769455},{"word":"term","start":1090.295,"end":1090.77,"confidence":0.9993272,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":0.15040074288845062},{"word":"now","start":1090.85,"end":1091.01,"confidence":0.99961424,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04353747516870499},{"word":"if","start":1091.01,"end":1091.17,"confidence":0.9960846,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07709188759326935},{"word":"we","start":1091.17,"end":1091.41,"confidence":0.99708575,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10359091311693192},{"word":"obviously","start":1091.41,"end":1091.81,"confidence":0.79583955,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.04830407351255417},{"word":"see","start":1091.81,"end":1092.13,"confidence":0.5650501,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03530719131231308},{"word":"that","start":1092.13,"end":1092.37,"confidence":0.99636453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.034291088581085205},{"word":"there","start":1092.37,"end":1092.61,"confidence":0.9977894,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.056809231638908386},{"word":"are","start":1092.61,"end":1092.85,"confidence":0.9993849,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04640823602676392},{"word":"some","start":1092.85,"end":1093.01,"confidence":0.998044,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.025552161037921906},{"word":"of","start":1093.01,"end":1093.17,"confidence":0.999548,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01095033437013626},{"word":"those","start":1093.17,"end":1093.41,"confidence":0.9995371,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.01229541003704071},{"word":"investments","start":1093.41,"end":1093.91,"confidence":0.99818254,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.045012399554252625},{"word":"that","start":1094.77,"end":1094.93,"confidence":0.9990025,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.014032229781150818},{"word":"need","start":1094.93,"end":1095.25,"confidence":0.99474454,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.02853686362504959},{"word":"to","start":1095.25,"end":1095.41,"confidence":0.99968684,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03743848204612732},{"word":"be","start":1095.41,"end":1095.5701,"confidence":0.9999019,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.01982186734676361},{"word":"structurally","start":1095.5701,"end":1096.0701,"confidence":0.9996531,"punctuated_word":"structurally","sentiment":"neutral","sentiment_score":0.01267353817820549},{"word":"changed","start":1096.13,"end":1096.37,"confidence":0.9903506,"punctuated_word":"changed,","sentiment":"neutral","sentiment_score":0.04278428107500076},{"word":"then","start":1096.37,"end":1096.61,"confidence":0.9980326,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09937524050474168},{"word":"we","start":1096.61,"end":1096.6901,"confidence":0.9998783,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15857818722724917},{"word":"can","start":1096.6901,"end":1096.85,"confidence":0.9998889,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14924627542495728},{"word":"still","start":1096.85,"end":1097.17,"confidence":0.999332,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.15511196851730347},{"word":"do","start":1097.17,"end":1097.3301,"confidence":0.9997423,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11304117739200592},{"word":"so","start":1097.3301,"end":1097.5701,"confidence":0.98231745,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.08031876385211945},{"word":"and","start":1097.5701,"end":1097.81,"confidence":0.99943644,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13312916457653046},{"word":"i","start":1097.81,"end":1097.89,"confidence":0.9996551,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22865886986255649},{"word":"do","start":1097.89,"end":1098.13,"confidence":0.9999567,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2114834189414978},{"word":"wanna","start":1098.13,"end":1098.4501,"confidence":0.99258596,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2513161897659302},{"word":"kind","start":1098.4501,"end":1098.61,"confidence":0.9889214,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2486317902803421},{"word":"of","start":1098.61,"end":1099.11,"confidence":0.99983585,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24293747544288635},{"word":"go","start":1099.49,"end":1099.65,"confidence":0.580485,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.238970547914505},{"word":"through","start":1099.65,"end":1099.97,"confidence":0.9999275,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2628287971019745},{"word":"the","start":1099.97,"end":1100.05,"confidence":0.99909973,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22182217240333557},{"word":"investments","start":1100.05,"end":1100.55,"confidence":0.9752863,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.0696009024977684},{"word":"a","start":1100.6901,"end":1100.77,"confidence":0.99764985,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20563960075378415},{"word":"little","start":1100.77,"end":1101.01,"confidence":0.9999529,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.15124697983264923},{"word":"bit","start":1101.01,"end":1101.51,"confidence":0.99965847,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16510936617851257},{"word":"with","start":1101.5701,"end":1101.73,"confidence":0.9996519,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2068585604429245},{"word":"you","start":1101.73,"end":1101.89,"confidence":0.9512051,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.227535218000412},{"word":"and","start":1101.89,"end":1102.13,"confidence":0.99965096,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18659557402133944},{"word":"there","start":1102.13,"end":1102.29,"confidence":0.9994998,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.19441819190979004},{"word":"is","start":1102.29,"end":1102.53,"confidence":0.99989665,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18797558546066284},{"word":"one","start":1102.53,"end":1102.77,"confidence":0.99986076,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.18215298652648929},{"word":"that","start":1102.77,"end":1102.93,"confidence":0.99968696,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18979616463184357},{"word":"i'm","start":1102.93,"end":1103.3301,"confidence":0.9737028,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.19975745677948},{"word":"would","start":1103.5701,"end":1103.73,"confidence":0.81783754,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.19708704948425293},{"word":"like","start":1103.73,"end":1103.97,"confidence":0.9901528,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.19153329730033877},{"word":"to","start":1103.97,"end":1104.21,"confidence":0.99701476,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19171926379203796},{"word":"swap","start":1104.21,"end":1104.4501,"confidence":0.9960925,"punctuated_word":"swap","sentiment":"neutral","sentiment_score":0.15697528421878815},{"word":"out","start":1104.4501,"end":1104.61,"confidence":0.9998233,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.17289601266384125},{"word":"for","start":1104.61,"end":1104.77,"confidence":0.9992194,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1936674267053604},{"word":"you","start":1104.77,"end":1104.93,"confidence":0.999616,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18431267142295835},{"word":"if","start":1104.93,"end":1105.01,"confidence":0.9061275,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17184054851531982},{"word":"you're","start":1105.01,"end":1105.17,"confidence":0.99127245,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.13778412342071533},{"word":"happy","start":1105.17,"end":1105.41,"confidence":0.99996054,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.1625630259513855},{"word":"to","start":1105.41,"end":1105.5701,"confidence":0.9995116,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17078489065170288},{"word":"do","start":1105.5701,"end":1105.73,"confidence":0.99961203,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12271777540445328},{"word":"so","start":1105.73,"end":1106.23,"confidence":0.9825684,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.11620131134986876},{"word":"but","start":1106.795,"end":1107.115,"confidence":0.85949194,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.07104389369487762},{"word":"otherwise","start":1107.115,"end":1107.595,"confidence":0.99978423,"punctuated_word":"otherwise,","sentiment":"neutral","sentiment_score":0.020001009106636047},{"word":"we'll","start":1107.595,"end":1107.915,"confidence":0.997764,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.03463837131857872},{"word":"leave","start":1107.915,"end":1108.395,"confidence":0.99931705,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.0480230450630188},{"word":"high","start":1108.395,"end":1108.635,"confidence":0.9105041,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.05557117611169815},{"word":"growth","start":1108.635,"end":1108.955,"confidence":0.9897529,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.009321436285972595},{"word":"for","start":1108.955,"end":1109.195,"confidence":0.997491,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04275578260421753},{"word":"now","start":1109.195,"end":1109.6749,"confidence":0.999732,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.02853671833872795},{"word":"now","start":1109.6749,"end":1109.915,"confidence":0.9993623,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1074276641011238},{"word":"if","start":1109.915,"end":1110.075,"confidence":0.99323434,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16268613934516907},{"word":"you","start":1110.075,"end":1110.235,"confidence":0.9998914,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.157184436917305},{"word":"wanna","start":1110.235,"end":1110.475,"confidence":0.99142563,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1565745174884796},{"word":"obviously","start":1110.475,"end":1110.875,"confidence":0.71137106,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.15412302315235138},{"word":"revisit","start":1110.875,"end":1111.355,"confidence":0.96128124,"punctuated_word":"revisit","sentiment":"neutral","sentiment_score":0.1289796531200409},{"word":"that","start":1111.355,"end":1111.595,"confidence":0.996705,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0866234302520752},{"word":"at","start":1111.595,"end":1111.6749,"confidence":0.99441284,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.093437522649765},{"word":"any","start":1111.6749,"end":1111.915,"confidence":0.9997477,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.17823682725429535},{"word":"point","start":1111.915,"end":1112.155,"confidence":0.9997018,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.07531493157148361},{"word":"in","start":1112.155,"end":1112.235,"confidence":0.9984597,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.084495410323143},{"word":"time","start":1112.235,"end":1112.475,"confidence":0.9303756,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.10838787257671356},{"word":"if","start":1112.475,"end":1112.5549,"confidence":0.99920315,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11952294409275056},{"word":"you","start":1112.5549,"end":1112.715,"confidence":0.9997968,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.055500686168670654},{"word":"don't","start":1112.715,"end":1112.955,"confidence":0.99994767,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.0008749192347750068},{"word":"feel","start":1112.955,"end":1113.195,"confidence":0.99950814,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.06069157272577286},{"word":"comfortable","start":1113.195,"end":1113.695,"confidence":0.99682426,"punctuated_word":"comfortable,","sentiment":"neutral","sentiment_score":-0.050400640815496445},{"word":"just","start":1114.075,"end":1114.315,"confidence":0.99887806,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06157946586608887},{"word":"give","start":1114.315,"end":1114.475,"confidence":0.9999263,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.008712969720363617},{"word":"me","start":1114.475,"end":1114.715,"confidence":0.999876,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.045871198177337646},{"word":"a","start":1114.715,"end":1114.795,"confidence":0.99868685,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.042578425258398056},{"word":"call","start":1114.795,"end":1115.035,"confidence":0.999597,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.05016832798719406},{"word":"or","start":1115.035,"end":1115.275,"confidence":0.63056415,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04715856164693832},{"word":"we","start":1115.275,"end":1115.355,"confidence":0.9999027,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11520733684301376},{"word":"can","start":1115.355,"end":1115.515,"confidence":0.99987626,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10549194365739822},{"word":"kind","start":1115.515,"end":1115.6749,"confidence":0.991247,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11557720601558684},{"word":"of","start":1115.6749,"end":1115.835,"confidence":0.99963,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10306332260370256},{"word":"reassess","start":1115.835,"end":1116.335,"confidence":0.99954534,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":0.05428565293550491},{"word":"it","start":1116.395,"end":1116.635,"confidence":0.8478897,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08341049402952194},{"word":"at","start":1116.635,"end":1116.875,"confidence":0.9361214,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.079412542283535},{"word":"next","start":1116.875,"end":1117.275,"confidence":0.8830656,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.11777961999177931},{"word":"under","start":1117.275,"end":1117.595,"confidence":0.70760053,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.13360895216464996},{"word":"review","start":1117.595,"end":1118.095,"confidence":0.9925656,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.07849041372537613},{"word":"so","start":1118.48,"end":1118.64,"confidence":0.55266976,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1830856204032898},{"word":"given","start":1118.64,"end":1118.88,"confidence":0.9982175,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.26555347442626953},{"word":"the","start":1118.88,"end":1119.2001,"confidence":0.99883884,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23777513206005096},{"word":"time","start":1119.2001,"end":1119.4401,"confidence":0.9860407,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.19083869457244873},{"word":"frame","start":1119.4401,"end":1119.84,"confidence":0.99939334,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":0.19383373856544495},{"word":"you","start":1119.84,"end":1120.0801,"confidence":0.99911815,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26483917236328125},{"word":"have","start":1120.0801,"end":1120.48,"confidence":0.99981517,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.217501163482666},{"word":"for","start":1120.48,"end":1120.72,"confidence":0.99364847,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1591152846813202},{"word":"the","start":1120.72,"end":1120.9601,"confidence":0.56736714,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10824967175722122},{"word":"fluctuations","start":1120.9601,"end":1121.4601,"confidence":0.9762956,"punctuated_word":"fluctuations,","sentiment":"neutral","sentiment_score":0.18516315519809723},{"word":"it's","start":1122.48,"end":1122.9601,"confidence":0.7735368,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.22482120990753177},{"word":"it's","start":1122.9601,"end":1123.2001,"confidence":0.97701734,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.20699894428253177},{"word":"a","start":1123.2001,"end":1123.28,"confidence":0.9955213,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1323629915714264},{"word":"suitable","start":1123.28,"end":1123.78,"confidence":0.99914694,"punctuated_word":"suitable","sentiment":"neutral","sentiment_score":0.11852193623781204},{"word":"portfolio","start":1124.0801,"end":1124.56,"confidence":0.9989951,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.05630810558795929},{"word":"as","start":1124.56,"end":1124.72,"confidence":0.98883665,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2534956932067871},{"word":"long","start":1124.72,"end":1124.88,"confidence":0.99985075,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2776557207107544},{"word":"as","start":1124.88,"end":1125.12,"confidence":0.99231166,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.24594202637672424},{"word":"yeah","start":1125.12,"end":1125.28,"confidence":0.9995497,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.2617810070514679},{"word":"you","start":1125.28,"end":1125.4401,"confidence":0.99982697,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18270984292030337},{"word":"are","start":1125.4401,"end":1125.68,"confidence":0.9989524,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16793173551559448},{"word":"kind","start":1125.68,"end":1125.84,"confidence":0.99477273,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1072889119386673},{"word":"of","start":1125.84,"end":1126.16,"confidence":0.99958545,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10629342496395112},{"word":"comfortable","start":1126.16,"end":1126.66,"confidence":0.99967825,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.04662049561738968},{"word":"with","start":1126.88,"end":1127.04,"confidence":0.9998004,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10276880115270616},{"word":"that","start":1127.04,"end":1127.54,"confidence":0.9993366,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.08914436399936676},{"word":"yeah","start":1129.2001,"end":1129.6,"confidence":0.79577434,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18335917592048645},{"word":"perfect","start":1129.6,"end":1130.1,"confidence":0.9943956,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2602674067020416},{"word":"now","start":1131.295,"end":1131.615,"confidence":0.9569934,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04521775990724563},{"word":"are","start":1131.615,"end":1131.775,"confidence":0.99450797,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.012591805309057236},{"word":"you","start":1131.775,"end":1131.935,"confidence":0.9999677,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024325262755155563},{"word":"still","start":1131.935,"end":1132.3351,"confidence":0.9998054,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.021464023739099503},{"word":"driving","start":1132.3351,"end":1132.8151,"confidence":0.9313179,"punctuated_word":"driving,","sentiment":"neutral","sentiment_score":0.023333869874477383},{"word":"or","start":1132.8151,"end":1133.055,"confidence":0.99981636,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0005831718444824219},{"word":"do","start":1133.055,"end":1133.135,"confidence":0.9999546,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.008524779230356216},{"word":"you","start":1133.135,"end":1133.2151,"confidence":0.99994254,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0009080469608306884},{"word":"have","start":1133.2151,"end":1133.4551,"confidence":0.99994946,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0037557892501354218},{"word":"access","start":1133.4551,"end":1133.775,"confidence":0.9997805,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.005174051970243454},{"word":"to","start":1133.775,"end":1133.935,"confidence":0.99935144,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01963798701763153},{"word":"your","start":1133.935,"end":1134.3351,"confidence":0.9998455,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02409093827009201},{"word":"emails","start":1134.3351,"end":1134.8351,"confidence":0.9780177,"punctuated_word":"emails?","sentiment":"neutral","sentiment_score":0.031313151121139526},{"word":"okay","start":1137.935,"end":1138.435,"confidence":0.988214,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.07047948241233826},{"word":"no","start":1140.255,"end":1140.495,"confidence":0.9601831,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08298985660076141},{"word":"it's","start":1140.495,"end":1140.735,"confidence":0.99934864,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.03412008285522461},{"word":"up","start":1140.735,"end":1140.895,"confidence":0.99910456,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.026562824845314022},{"word":"to","start":1140.895,"end":1141.055,"confidence":0.9994209,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.018611818552017212},{"word":"you","start":1141.055,"end":1141.4551,"confidence":0.9937862,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.005673322826623917},{"word":"i","start":1141.4551,"end":1141.6951,"confidence":0.9998795,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08510968834161758},{"word":"have","start":1141.6951,"end":1142.015,"confidence":0.99995446,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0989142209291458},{"word":"sent","start":1142.015,"end":1142.255,"confidence":0.99767166,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.11595910042524338},{"word":"you","start":1142.255,"end":1142.495,"confidence":0.99983144,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12597808241844177},{"word":"an","start":1142.495,"end":1142.655,"confidence":0.9999131,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09857247769832612},{"word":"email","start":1142.655,"end":1143.155,"confidence":0.9999542,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.11555741727352142},{"word":"with","start":1143.295,"end":1143.4551,"confidence":0.8055482,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11617685854434968},{"word":"some","start":1143.4551,"end":1143.6951,"confidence":0.99974877,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07537294924259186},{"word":"documents","start":1143.6951,"end":1144.175,"confidence":0.9239129,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.11355017125606535},{"word":"i","start":1144.175,"end":1144.3351,"confidence":0.99969053,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23262953758239743},{"word":"quickly","start":1144.3351,"end":1144.735,"confidence":0.9948639,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.25202861428260803},{"word":"wanna","start":1144.735,"end":1145.055,"confidence":0.9912316,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2484978288412094},{"word":"run","start":1145.055,"end":1145.295,"confidence":0.999479,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.20485574007034305},{"word":"through","start":1145.295,"end":1145.615,"confidence":0.9998016,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2236717194318771},{"word":"it","start":1145.615,"end":1145.775,"confidence":0.99414235,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24827083945274353},{"word":"with","start":1145.775,"end":1146.015,"confidence":0.98490775,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21762630343437195},{"word":"you","start":1146.015,"end":1146.51,"confidence":0.99956083,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.16566970944404602},{"word":"the","start":1147.0701,"end":1147.39,"confidence":0.98139167,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.10468527674674988},{"word":"only","start":1147.39,"end":1147.55,"confidence":0.999923,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.06073857843875885},{"word":"reason","start":1147.55,"end":1147.79,"confidence":0.99988306,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.06095472723245621},{"word":"i","start":1147.79,"end":1147.95,"confidence":0.99432963,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1605153530836105},{"word":"do","start":1147.95,"end":1148.11,"confidence":0.99992955,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10793082416057588},{"word":"ask","start":1148.11,"end":1148.35,"confidence":0.9994281,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.10100279748439787},{"word":"if","start":1148.35,"end":1148.43,"confidence":0.801085,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08543305099010468},{"word":"you","start":1148.43,"end":1148.59,"confidence":0.9997956,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0740802213549614},{"word":"have","start":1148.59,"end":1148.83,"confidence":0.99969804,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05061894282698631},{"word":"access","start":1148.83,"end":1149.0701,"confidence":0.99936193,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.06170262396335602},{"word":"to","start":1149.0701,"end":1149.15,"confidence":0.9927118,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17583703994750977},{"word":"your","start":1149.15,"end":1149.23,"confidence":0.8632225,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12955723702907562},{"word":"emails","start":1149.23,"end":1149.55,"confidence":0.9507392,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.12039835005998611},{"word":"is","start":1149.55,"end":1149.71,"confidence":0.9978555,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1285262256860733},{"word":"that","start":1149.71,"end":1149.87,"confidence":0.9983985,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14803721010684967},{"word":"it","start":1149.87,"end":1149.95,"confidence":0.99897504,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2206103652715683},{"word":"makes","start":1149.95,"end":1150.1901,"confidence":0.9997255,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.17442786693572998},{"word":"it","start":1150.1901,"end":1150.35,"confidence":0.9980813,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3469935357570648},{"word":"a","start":1150.35,"end":1150.43,"confidence":0.9998165,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2526153326034546},{"word":"bit","start":1150.43,"end":1150.67,"confidence":0.99983823,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.19115637242794037},{"word":"more","start":1150.67,"end":1150.91,"confidence":0.99972814,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.11588459461927414},{"word":"interactive","start":1150.91,"end":1151.41,"confidence":0.99986184,"punctuated_word":"interactive","sentiment":"neutral","sentiment_score":0.20933017134666443},{"word":"for","start":1151.87,"end":1152.11,"confidence":0.9993868,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2693054974079132},{"word":"you","start":1152.11,"end":1152.61,"confidence":0.9576981,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.03864481300115585},{"word":"but","start":1152.67,"end":1152.91,"confidence":0.9966628,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.36866042017936707},{"word":"if","start":1152.91,"end":1153.0701,"confidence":0.9995135,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.49234408140182495},{"word":"you","start":1153.0701,"end":1153.31,"confidence":0.99988246,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6123857498168945},{"word":"are","start":1153.31,"end":1153.47,"confidence":0.981676,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5502538681030273},{"word":"happy","start":1153.47,"end":1153.97,"confidence":0.9999306,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5753589868545532},{"word":"for","start":1154.27,"end":1154.43,"confidence":0.92146814,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5830426216125488},{"word":"me","start":1154.43,"end":1154.67,"confidence":0.9998498,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.6160827279090881},{"word":"to","start":1154.67,"end":1154.83,"confidence":0.999196,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6412442922592163},{"word":"just","start":1154.83,"end":1155.0701,"confidence":0.999683,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5493636131286621},{"word":"kind","start":1155.0701,"end":1155.23,"confidence":0.9796959,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.5538319945335388},{"word":"of","start":1155.23,"end":1155.39,"confidence":0.9991061,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6334050297737122},{"word":"run","start":1155.39,"end":1155.63,"confidence":0.9997068,"punctuated_word":"run","sentiment":"positive","sentiment_score":0.6264240145683289},{"word":"through","start":1155.63,"end":1155.87,"confidence":0.99982435,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.5106630921363831},{"word":"the","start":1155.87,"end":1156.03,"confidence":0.9991603,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5497977137565613},{"word":"documents","start":1156.03,"end":1156.51,"confidence":0.98946136,"punctuated_word":"documents","sentiment":"positive","sentiment_score":0.5218267440795898},{"word":"while","start":1156.51,"end":1156.75,"confidence":0.9965789,"punctuated_word":"while","sentiment":"positive","sentiment_score":0.5473869442939758},{"word":"you're","start":1156.75,"end":1156.99,"confidence":0.99923056,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.577559232711792},{"word":"driving","start":1156.99,"end":1157.49,"confidence":0.98069763,"punctuated_word":"driving,","sentiment":"positive","sentiment_score":0.5564864873886108},{"word":"then","start":1158.03,"end":1158.1901,"confidence":0.9557512,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.6798532605171204},{"word":"i'm","start":1158.1901,"end":1158.35,"confidence":0.99965405,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.8353070020675659},{"word":"happy","start":1158.35,"end":1158.59,"confidence":0.9999093,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.84810471534729},{"word":"to","start":1158.59,"end":1158.75,"confidence":0.99910164,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8259201049804688},{"word":"do","start":1158.75,"end":1158.91,"confidence":0.9994677,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.8448388576507568},{"word":"so","start":1158.91,"end":1159.0701,"confidence":0.9668541,"punctuated_word":"so.","sentiment":"positive","sentiment_score":0.7453768849372864},{"word":"and","start":1159.0701,"end":1159.23,"confidence":0.9685864,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.570731520652771},{"word":"then","start":1159.23,"end":1159.39,"confidence":0.99412495,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.5653627514839172},{"word":"when","start":1159.39,"end":1159.55,"confidence":0.998601,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.6021451950073242},{"word":"you","start":1159.55,"end":1159.63,"confidence":0.9985316,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5370677709579468},{"word":"you","start":1159.87,"end":1159.95,"confidence":0.99898,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4834124445915222},{"word":"know","start":1159.95,"end":1160.1901,"confidence":0.9680488,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.5041001439094543},{"word":"it's","start":1160.1901,"end":1160.35,"confidence":0.9991025,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6146668195724487},{"word":"obviously","start":1160.35,"end":1160.685,"confidence":0.9527919,"punctuated_word":"obviously","sentiment":"positive","sentiment_score":0.6125836372375488},{"word":"safe","start":1160.685,"end":1160.8451,"confidence":0.9916226,"punctuated_word":"safe","sentiment":"positive","sentiment_score":0.6074284911155701},{"word":"for","start":1160.8451,"end":1161.0851,"confidence":0.99900395,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6648283004760742},{"word":"you","start":1161.0851,"end":1161.125,"confidence":0.9997603,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6834815740585327},{"word":"to","start":1161.125,"end":1161.165,"confidence":0.99890053,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6572086811065674},{"word":"do","start":1161.165,"end":1161.405,"confidence":0.9986387,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.673262357711792},{"word":"so","start":1161.405,"end":1161.645,"confidence":0.84396243,"punctuated_word":"so.","sentiment":"positive","sentiment_score":0.6003368496894836},{"word":"and","start":1161.645,"end":1161.7251,"confidence":0.92687887,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4164881408214569},{"word":"when","start":1161.7251,"end":1161.9651,"confidence":0.99805295,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.46062013506889343},{"word":"you","start":1161.9651,"end":1162.125,"confidence":0.999246,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.43644627928733826},{"word":"have","start":1162.125,"end":1162.285,"confidence":0.99979323,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4260823428630829},{"word":"some","start":1162.285,"end":1162.525,"confidence":0.99851125,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.339091032743454},{"word":"time","start":1162.525,"end":1163.025,"confidence":0.99930906,"punctuated_word":"time,","sentiment":"positive","sentiment_score":0.3760462999343872},{"word":"you","start":1163.165,"end":1163.3251,"confidence":0.99954224,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4077635705471039},{"word":"can","start":1163.3251,"end":1163.5651,"confidence":0.99902606,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3757357895374298},{"word":"just","start":1163.5651,"end":1163.7251,"confidence":0.99974054,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.42803430557250977},{"word":"have","start":1163.7251,"end":1163.885,"confidence":0.99988735,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.40530869364738464},{"word":"a","start":1163.885,"end":1163.9651,"confidence":0.99683446,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4184245467185974},{"word":"look","start":1163.9651,"end":1164.3651,"confidence":0.99989617,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.33636802434921265},{"word":"over","start":1164.3651,"end":1164.6051,"confidence":0.9996532,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4220706820487976},{"word":"them","start":1164.6051,"end":1164.8451,"confidence":0.9586414,"punctuated_word":"them.","sentiment":"positive","sentiment_score":0.3676427602767944},{"word":"and","start":1164.8451,"end":1165.005,"confidence":0.9982161,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2948564291000366},{"word":"then","start":1165.005,"end":1165.165,"confidence":0.9996705,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.32631146907806396},{"word":"if","start":1165.165,"end":1165.2451,"confidence":0.9992729,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3438393473625183},{"word":"you","start":1165.2451,"end":1165.3251,"confidence":0.9998802,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30009713768959045},{"word":"have","start":1165.3251,"end":1165.4851,"confidence":0.9996877,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.25559693574905396},{"word":"any","start":1165.4851,"end":1165.7251,"confidence":0.99956936,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.22913259267807007},{"word":"questions","start":1165.7251,"end":1166.045,"confidence":0.9985292,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.22738133370876312},{"word":"you","start":1166.045,"end":1166.2051,"confidence":0.9998111,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2903432846069336},{"word":"can","start":1166.2051,"end":1166.3651,"confidence":0.9997392,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2536587715148926},{"word":"always","start":1166.3651,"end":1166.6051,"confidence":0.9998766,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2901463508605957},{"word":"give","start":1166.6051,"end":1166.8451,"confidence":0.99965584,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2185826450586319},{"word":"me","start":1166.8451,"end":1166.925,"confidence":0.9997584,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2365921586751938},{"word":"a","start":1166.925,"end":1167.005,"confidence":0.9986197,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2427508383989334},{"word":"callback","start":1167.005,"end":1167.505,"confidence":0.9964682,"punctuated_word":"callback.","sentiment":"neutral","sentiment_score":0.2003641575574875},{"word":"yeah","start":1169.7251,"end":1170.2251,"confidence":0.811952,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3234432339668274},{"word":"yeah","start":1170.285,"end":1170.6051,"confidence":0.89466083,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3462708294391632},{"word":"okay","start":1170.6051,"end":1171.005,"confidence":0.99692076,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.5196141004562378},{"word":"perfect","start":1171.005,"end":1171.505,"confidence":0.9995558,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6952628493309021},{"word":"so","start":1171.5651,"end":1172.0651,"confidence":0.99930596,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3746173679828644},{"word":"have","start":1172.4451,"end":1172.6051,"confidence":0.9397578,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.33743545413017273},{"word":"a","start":1172.6051,"end":1172.685,"confidence":0.9998166,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3762759566307068},{"word":"look","start":1172.685,"end":1172.8451,"confidence":0.9999615,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.3387710452079773},{"word":"through","start":1172.8451,"end":1173.0851,"confidence":0.96656287,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.38223543763160706},{"word":"your","start":1173.0851,"end":1173.2451,"confidence":0.9984909,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.267816424369812},{"word":"emails","start":1173.2451,"end":1173.5651,"confidence":0.9696881,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.3153117299079895},{"word":"when","start":1173.5651,"end":1173.805,"confidence":0.9927239,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.24010251462459564},{"word":"you","start":1173.805,"end":1173.885,"confidence":0.99975866,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2972815930843353},{"word":"have","start":1173.885,"end":1174.045,"confidence":0.9985084,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23694193363189697},{"word":"a","start":1174.045,"end":1174.2051,"confidence":0.9476425,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.33032700419425964},{"word":"moment","start":1174.2051,"end":1174.6051,"confidence":0.9929758,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.2984052896499634},{"word":"now","start":1174.6051,"end":1174.765,"confidence":0.9981232,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08418154716491699},{"word":"we","start":1174.765,"end":1175.005,"confidence":0.9967163,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08050000667572021},{"word":"have","start":1175.005,"end":1175.3251,"confidence":0.9998271,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08905422687530518},{"word":"just","start":1175.3251,"end":1175.73,"confidence":0.9994342,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11012563109397888},{"word":"changed","start":1175.97,"end":1176.45,"confidence":0.99922776,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.09414801746606828},{"word":"our","start":1176.45,"end":1176.69,"confidence":0.97892725,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.07165210694074631},{"word":"software","start":1176.69,"end":1177.19,"confidence":0.74916846,"punctuated_word":"software.","sentiment":"neutral","sentiment_score":0.060179147869348526},{"word":"so","start":1177.25,"end":1177.73,"confidence":0.9992908,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08533407002687454},{"word":"it's","start":1177.73,"end":1177.97,"confidence":0.9989337,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.11131936311721802},{"word":"going","start":1177.97,"end":1178.29,"confidence":0.99987555,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.15974277257919312},{"word":"to","start":1178.29,"end":1178.37,"confidence":0.999582,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11679732799530028},{"word":"look","start":1178.37,"end":1178.53,"confidence":0.99970335,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10578174889087676},{"word":"a","start":1178.53,"end":1178.69,"confidence":0.9990305,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08258551359176636},{"word":"little","start":1178.69,"end":1178.85,"confidence":0.9999126,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04544384777545929},{"word":"bit","start":1178.85,"end":1179.1699,"confidence":0.99906284,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.027055032551288605},{"word":"different","start":1179.1699,"end":1179.6699,"confidence":0.9992799,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.022635824978351593},{"word":"through","start":1179.73,"end":1180.23,"confidence":0.65573543,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05627170950174332},{"word":"the","start":1180.61,"end":1180.85,"confidence":0.87080055,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12966442108154297},{"word":"docusign","start":1180.85,"end":1181.35,"confidence":0.9998586,"punctuated_word":"DocuSign","sentiment":"neutral","sentiment_score":0.10444113612174988},{"word":"that","start":1181.41,"end":1181.57,"confidence":0.99903524,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0913400799036026},{"word":"you","start":1181.57,"end":1181.8099,"confidence":0.99916255,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1258019506931305},{"word":"are","start":1181.8099,"end":1181.97,"confidence":0.8724041,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09041254222393036},{"word":"used","start":1181.97,"end":1182.29,"confidence":0.70848,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.08981344103813171},{"word":"through","start":1182.29,"end":1182.79,"confidence":0.76482457,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.07995662093162537},{"word":"it's","start":1183.01,"end":1183.25,"confidence":0.9972917,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07909496128559113},{"word":"still","start":1183.25,"end":1183.49,"confidence":0.99986696,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.054563336074352264},{"word":"kind","start":1183.49,"end":1183.73,"confidence":0.99721515,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06769673526287079},{"word":"of","start":1183.73,"end":1183.8099,"confidence":0.9997899,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0789981335401535},{"word":"the","start":1183.8099,"end":1183.97,"confidence":0.9985489,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07357297092676163},{"word":"same","start":1183.97,"end":1184.21,"confidence":0.8302492,"punctuated_word":"same,","sentiment":"neutral","sentiment_score":0.08586366474628448},{"word":"though","start":1184.21,"end":1184.37,"confidence":0.9992085,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.08852727711200714},{"word":"with","start":1184.37,"end":1184.53,"confidence":0.9998796,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08243028074502945},{"word":"the","start":1184.53,"end":1184.69,"confidence":0.9800238,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10541459918022156},{"word":"digital","start":1184.69,"end":1185.09,"confidence":0.99627894,"punctuated_word":"digital","sentiment":"neutral","sentiment_score":0.04002470150589943},{"word":"signature","start":1185.09,"end":1185.57,"confidence":0.9977124,"punctuated_word":"signature,","sentiment":"neutral","sentiment_score":0.0540512390434742},{"word":"but","start":1185.57,"end":1185.73,"confidence":0.99991786,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06826212257146835},{"word":"it","start":1185.73,"end":1185.8099,"confidence":0.99961275,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09222620725631714},{"word":"will","start":1185.8099,"end":1186.0499,"confidence":0.999551,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.05049201101064682},{"word":"look","start":1186.0499,"end":1186.21,"confidence":0.99966836,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06400924175977707},{"word":"a","start":1186.21,"end":1186.37,"confidence":0.9995414,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03798791021108627},{"word":"little","start":1186.37,"end":1186.53,"confidence":0.9998735,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.008519992232322693},{"word":"bit","start":1186.53,"end":1186.85,"confidence":0.99941194,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.00202023983001709},{"word":"different","start":1186.85,"end":1187.35,"confidence":0.99838805,"punctuated_word":"different.","sentiment":"neutral","sentiment_score":0.03465652093291283},{"word":"so","start":1187.41,"end":1187.775,"confidence":0.99806684,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11770719289779664},{"word":"when","start":1188.015,"end":1188.255,"confidence":0.999782,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.11554230749607086},{"word":"you","start":1188.255,"end":1188.495,"confidence":0.9999516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16276392340660095},{"word":"do","start":1188.495,"end":1188.975,"confidence":0.99969923,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08461195230484009},{"word":"get","start":1188.975,"end":1189.295,"confidence":0.9872706,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11478792130947112},{"word":"the","start":1189.295,"end":1189.535,"confidence":0.95941913,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10039225220680235},{"word":"email","start":1189.535,"end":1190.015,"confidence":0.7573946,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.09259837865829468},{"word":"before","start":1190.015,"end":1190.495,"confidence":0.99989307,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.05622890591621399},{"word":"you","start":1190.495,"end":1190.8151,"confidence":0.9999018,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07815156131982803},{"word":"click","start":1190.8151,"end":1191.215,"confidence":0.9998492,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.08078935742378235},{"word":"on","start":1191.215,"end":1191.535,"confidence":0.99976546,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09601662307977676},{"word":"the","start":1191.535,"end":1191.775,"confidence":0.99977094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09010063111782074},{"word":"link","start":1191.775,"end":1192.275,"confidence":0.9944712,"punctuated_word":"link,","sentiment":"neutral","sentiment_score":0.08134616911411285},{"word":"there","start":1192.5751,"end":1192.735,"confidence":0.99929523,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08803083002567291},{"word":"are","start":1192.735,"end":1192.895,"confidence":0.9992372,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08738835901021957},{"word":"a","start":1192.895,"end":1192.975,"confidence":0.98288745,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07817433774471283},{"word":"couple","start":1192.975,"end":1193.295,"confidence":0.9999733,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.04856349527835846},{"word":"of","start":1193.295,"end":1193.535,"confidence":0.9990578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06617662310600281},{"word":"attachments","start":1193.535,"end":1194.035,"confidence":0.99689615,"punctuated_word":"attachments.","sentiment":"neutral","sentiment_score":0.058679722249507904},{"word":"so","start":1194.095,"end":1194.255,"confidence":0.99949634,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12596137821674347},{"word":"these","start":1194.255,"end":1194.495,"confidence":0.9997341,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.12900108098983765},{"word":"are","start":1194.495,"end":1194.5751,"confidence":0.99970883,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13022294640541077},{"word":"all","start":1194.5751,"end":1194.8151,"confidence":0.99851817,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.14366450905799866},{"word":"the","start":1194.8151,"end":1194.895,"confidence":0.9488075,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13484419882297516},{"word":"attachments","start":1194.895,"end":1195.395,"confidence":0.83391315,"punctuated_word":"attachments,","sentiment":"neutral","sentiment_score":0.138120636343956},{"word":"just","start":1195.855,"end":1196.095,"confidence":0.9988945,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1474616825580597},{"word":"for","start":1196.095,"end":1196.3351,"confidence":0.99434245,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12561655044555664},{"word":"your","start":1196.3351,"end":1196.495,"confidence":0.99954176,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15706513822078705},{"word":"reference","start":1196.495,"end":1196.975,"confidence":0.99805176,"punctuated_word":"reference","sentiment":"neutral","sentiment_score":0.16552400588989258},{"word":"that","start":1196.975,"end":1197.135,"confidence":0.7579806,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19298240542411804},{"word":"you","start":1197.135,"end":1197.295,"confidence":0.99986446,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2095151245594025},{"word":"don't","start":1197.295,"end":1197.615,"confidence":0.99993193,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.14267109334468842},{"word":"need","start":1197.615,"end":1197.855,"confidence":0.9997962,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.08268208801746368},{"word":"to","start":1197.855,"end":1198.095,"confidence":0.9989034,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11098800599575044},{"word":"sign","start":1198.095,"end":1198.595,"confidence":0.91694534,"punctuated_word":"sign,","sentiment":"neutral","sentiment_score":0.09778103232383728},{"word":"but","start":1199.135,"end":1199.295,"confidence":0.9942437,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16212111711502075},{"word":"it's","start":1199.295,"end":1199.535,"confidence":0.99980736,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2630917727947235},{"word":"all","start":1199.535,"end":1199.6951,"confidence":0.99980277,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2415007650852203},{"word":"there","start":1199.6951,"end":1199.935,"confidence":0.99979633,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2531197965145111},{"word":"so","start":1199.935,"end":1200.095,"confidence":0.8894349,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3066466152667999},{"word":"you","start":1200.095,"end":1200.175,"confidence":0.9997851,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3497840464115143},{"word":"can","start":1200.175,"end":1200.415,"confidence":0.9998062,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3239511251449585},{"word":"have","start":1200.415,"end":1200.5751,"confidence":0.9994566,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2834784984588623},{"word":"a","start":1200.5751,"end":1200.735,"confidence":0.9988863,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28586143255233765},{"word":"look","start":1200.735,"end":1200.975,"confidence":0.99987435,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2192865014076233},{"word":"at","start":1200.975,"end":1201.055,"confidence":0.99975854,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2609594166278839},{"word":"it","start":1201.055,"end":1201.375,"confidence":0.9971291,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.18869468569755551},{"word":"so","start":1201.375,"end":1201.875,"confidence":0.998626,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18995732069015503},{"word":"when","start":1202.0801,"end":1202.3201,"confidence":0.99949896,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2135828733444214},{"word":"you","start":1202.3201,"end":1202.4,"confidence":0.9999486,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2087528109550476},{"word":"do","start":1202.4,"end":1202.56,"confidence":0.99997854,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17143136262893677},{"word":"have","start":1202.56,"end":1202.8,"confidence":0.99993503,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1997561901807785},{"word":"a","start":1202.8,"end":1202.88,"confidence":0.99958616,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1900879144668579},{"word":"look","start":1202.88,"end":1203.04,"confidence":0.99997056,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1350322812795639},{"word":"at","start":1203.04,"end":1203.12,"confidence":0.999671,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18535718321800232},{"word":"it","start":1203.12,"end":1203.36,"confidence":0.9972977,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.18774250149726868},{"word":"you","start":1203.36,"end":1203.52,"confidence":0.9997919,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2149190902709961},{"word":"will","start":1203.52,"end":1203.8401,"confidence":0.99991846,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.19712448120117188},{"word":"see","start":1203.8401,"end":1204.16,"confidence":0.9538192,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.17729195952415466},{"word":"the","start":1204.4801,"end":1204.7201,"confidence":0.9986437,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1581953763961792},{"word":"first","start":1204.7201,"end":1205.04,"confidence":0.99730104,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.12817814946174622},{"word":"one","start":1205.04,"end":1205.36,"confidence":0.9658143,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.1361372470855713},{"word":"which","start":1205.36,"end":1205.6001,"confidence":0.9998839,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.19492346048355105},{"word":"is","start":1205.6001,"end":1205.76,"confidence":0.9993261,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2050827145576477},{"word":"your","start":1205.76,"end":1206.0,"confidence":0.9991485,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23950999975204468},{"word":"vanguard","start":1206.0,"end":1206.5,"confidence":0.9600769,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.14822149276733398},{"word":"index","start":1206.7201,"end":1207.2001,"confidence":0.97320765,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.161211758852005},{"word":"chart","start":1207.2001,"end":1207.7001,"confidence":0.9856281,"punctuated_word":"chart.","sentiment":"neutral","sentiment_score":0.179769366979599},{"word":"now","start":1208.0,"end":1208.24,"confidence":0.9990853,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.20123977959156036},{"word":"you","start":1208.24,"end":1208.4,"confidence":0.9975051,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22655656933784485},{"word":"probably","start":1208.4,"end":1208.8,"confidence":0.99883956,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.16495487093925476},{"word":"would","start":1208.8,"end":1208.9601,"confidence":0.999746,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.15671774744987488},{"word":"have","start":1208.9601,"end":1209.12,"confidence":0.91192096,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12410911917686462},{"word":"seen","start":1209.12,"end":1209.36,"confidence":0.99979204,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.13347069919109344},{"word":"this","start":1209.36,"end":1209.68,"confidence":0.9997608,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1246965080499649},{"word":"last","start":1209.68,"end":1209.92,"confidence":0.9997886,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.04087750241160393},{"word":"time","start":1209.92,"end":1210.24,"confidence":0.93228066,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.08463568240404129},{"word":"at","start":1210.4801,"end":1210.64,"confidence":0.99950385,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0913017839193344},{"word":"your","start":1210.64,"end":1210.8,"confidence":0.99789727,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12696146965026855},{"word":"under","start":1210.8,"end":1211.12,"confidence":0.7170235,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.10517148673534392},{"word":"review","start":1211.12,"end":1211.4401,"confidence":0.92869914,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.130253404378891},{"word":"it's","start":1211.4401,"end":1211.6001,"confidence":0.9997711,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2210669368505478},{"word":"a","start":1211.6001,"end":1211.76,"confidence":0.99965346,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21102052927017212},{"word":"bit","start":1211.76,"end":1211.92,"confidence":0.99996996,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1345477998256683},{"word":"of","start":1211.92,"end":1212.0801,"confidence":0.99983704,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14422939717769623},{"word":"an","start":1212.0801,"end":1212.3201,"confidence":0.9997776,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17961910367012024},{"word":"updated","start":1212.3201,"end":1212.8,"confidence":0.99753475,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.12371987104415894},{"word":"one","start":1212.8,"end":1213.3,"confidence":0.83470416,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.1591481864452362},{"word":"but","start":1213.68,"end":1213.92,"confidence":0.998362,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.19374021887779236},{"word":"it","start":1213.92,"end":1214.0801,"confidence":0.9995741,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3507956862449646},{"word":"is","start":1214.0801,"end":1214.3201,"confidence":0.99968934,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3722662031650543},{"word":"a","start":1214.3201,"end":1214.4801,"confidence":0.99925655,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.696724534034729},{"word":"good","start":1214.4801,"end":1214.7201,"confidence":0.9999497,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6689315438270569},{"word":"one","start":1214.7201,"end":1215.04,"confidence":0.99981636,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.5696844458580017},{"word":"to","start":1215.04,"end":1215.54,"confidence":0.99154973,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6496143341064453},{"word":"to","start":1215.695,"end":1215.855,"confidence":0.99990714,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6466071605682373},{"word":"kind","start":1215.855,"end":1216.015,"confidence":0.99530965,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.6438392996788025},{"word":"of","start":1216.015,"end":1216.095,"confidence":0.9993825,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6700064539909363},{"word":"give","start":1216.095,"end":1216.335,"confidence":0.99976283,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.6285504102706909},{"word":"you","start":1216.335,"end":1216.575,"confidence":0.99992955,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6923113465309143},{"word":"a","start":1216.575,"end":1216.735,"confidence":0.9997465,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5748836994171143},{"word":"good","start":1216.735,"end":1217.235,"confidence":0.99997425,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5522099733352661},{"word":"visual","start":1217.295,"end":1217.795,"confidence":0.9940806,"punctuated_word":"visual","sentiment":"positive","sentiment_score":0.573623776435852},{"word":"representation","start":1217.855,"end":1218.355,"confidence":0.9986754,"punctuated_word":"representation","sentiment":"positive","sentiment_score":0.45077598094940186},{"word":"of","start":1219.0549,"end":1219.215,"confidence":0.9996464,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5290628671646118},{"word":"what","start":1219.215,"end":1219.375,"confidence":0.9998826,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5561889410018921},{"word":"we","start":1219.375,"end":1219.615,"confidence":0.9998122,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5280417203903198},{"word":"are","start":1219.615,"end":1219.855,"confidence":0.9981674,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5324808359146118},{"word":"talking","start":1219.855,"end":1220.175,"confidence":0.99962103,"punctuated_word":"talking","sentiment":"positive","sentiment_score":0.357092946767807},{"word":"about","start":1220.175,"end":1220.495,"confidence":0.999551,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.4478188455104828},{"word":"when","start":1220.495,"end":1220.735,"confidence":0.99816835,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.486316591501236},{"word":"we're","start":1220.735,"end":1220.895,"confidence":0.9975822,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.3898636102676392},{"word":"talking","start":1220.895,"end":1221.215,"confidence":0.99971205,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.18959090113639832},{"word":"about","start":1221.215,"end":1221.455,"confidence":0.9991934,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2575737237930298},{"word":"the","start":1221.455,"end":1221.695,"confidence":0.99921095,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35759979486465454},{"word":"market","start":1221.695,"end":1222.195,"confidence":0.78998995,"punctuated_word":"market.","sentiment":"positive","sentiment_score":0.33388274908065796},{"word":"especially","start":1222.495,"end":1222.895,"confidence":0.98754984,"punctuated_word":"Especially","sentiment":"positive","sentiment_score":0.3657293915748596},{"word":"in","start":1222.895,"end":1223.135,"confidence":0.9085066,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29660144448280334},{"word":"kind","start":1223.135,"end":1223.295,"confidence":0.98530525,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.33487507700920105},{"word":"of","start":1223.295,"end":1223.535,"confidence":0.9999113,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3736757040023804},{"word":"today's","start":1223.535,"end":1224.015,"confidence":0.99946797,"punctuated_word":"today's","sentiment":"neutral","sentiment_score":0.29400068521499634},{"word":"environment","start":1224.015,"end":1224.515,"confidence":0.999627,"punctuated_word":"environment","sentiment":"neutral","sentiment_score":0.18588367104530337},{"word":"as","start":1224.575,"end":1224.815,"confidence":0.9996561,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3241679072380066},{"word":"well","start":1224.815,"end":1225.295,"confidence":0.98978376,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.3854314684867859},{"word":"it","start":1225.295,"end":1225.455,"confidence":0.99847597,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5581234097480774},{"word":"is","start":1225.455,"end":1225.695,"confidence":0.9998505,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5915589332580566},{"word":"good","start":1225.695,"end":1226.015,"confidence":0.99992,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5589771270751953},{"word":"to","start":1226.015,"end":1226.175,"confidence":0.9994722,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.564400851726532},{"word":"kind","start":1226.175,"end":1226.335,"confidence":0.9953483,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.562140941619873},{"word":"of","start":1226.335,"end":1226.495,"confidence":0.99965787,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6341342926025391},{"word":"see","start":1226.495,"end":1226.735,"confidence":0.99974185,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.6516382098197937},{"word":"that","start":1226.735,"end":1226.975,"confidence":0.99972636,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6381528377532959},{"word":"more","start":1226.975,"end":1227.295,"confidence":0.9994111,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4566405713558197},{"word":"long","start":1227.295,"end":1227.63,"confidence":0.99976665,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.5039682388305664},{"word":"term","start":1227.71,"end":1228.11,"confidence":0.99982315,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.4344717860221863},{"word":"picture","start":1228.11,"end":1228.61,"confidence":0.9991735,"punctuated_word":"picture.","sentiment":"positive","sentiment_score":0.43356192111968994},{"word":"so","start":1228.75,"end":1229.15,"confidence":0.9916454,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22954267263412476},{"word":"when","start":1229.15,"end":1229.31,"confidence":0.99938107,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.23428599536418915},{"word":"you","start":1229.31,"end":1229.55,"confidence":0.9999392,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19546285271644592},{"word":"do","start":1229.55,"end":1229.71,"confidence":0.99996006,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1562221795320511},{"word":"have","start":1229.71,"end":1229.95,"confidence":0.9998603,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.159027561545372},{"word":"a","start":1229.95,"end":1230.03,"confidence":0.9992331,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12808546423912048},{"word":"look","start":1230.03,"end":1230.27,"confidence":0.9999682,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09613533318042757},{"word":"at","start":1230.27,"end":1230.35,"confidence":0.99982685,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1279202103614807},{"word":"it","start":1230.35,"end":1230.59,"confidence":0.9989185,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.13964954018592834},{"word":"you","start":1230.59,"end":1230.75,"confidence":0.99991345,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1808854043483734},{"word":"will","start":1230.75,"end":1230.91,"confidence":0.9998956,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1581328958272934},{"word":"see","start":1230.91,"end":1231.07,"confidence":0.999757,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.18619564175605777},{"word":"that","start":1231.07,"end":1231.31,"confidence":0.99984586,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09127849340438844},{"word":"it","start":1231.31,"end":1231.47,"confidence":0.9996853,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.060797132551670074},{"word":"goes","start":1231.47,"end":1231.79,"confidence":0.9994079,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.029078476130962372},{"word":"back","start":1231.79,"end":1232.03,"confidence":0.9995647,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.034459974616765976},{"word":"to","start":1232.03,"end":1232.1901,"confidence":0.99881136,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02212435752153397},{"word":"1995","start":1232.1901,"end":1233.65,"confidence":0.9973839,"punctuated_word":"1995","sentiment":"neutral","sentiment_score":0.05994797497987747},{"word":"and","start":1234.03,"end":1234.1901,"confidence":0.5581509,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04863062500953674},{"word":"then","start":1234.1901,"end":1234.43,"confidence":0.9995615,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1077551543712616},{"word":"all","start":1234.43,"end":1234.59,"confidence":0.99964714,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0841299369931221},{"word":"the","start":1234.59,"end":1234.75,"confidence":0.99969566,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.053622767329216},{"word":"ups","start":1234.75,"end":1234.99,"confidence":0.9989177,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.005540184676647186},{"word":"and","start":1234.99,"end":1235.15,"confidence":0.9993618,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008311986923217773},{"word":"downs","start":1235.15,"end":1235.55,"confidence":0.99015933,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":0.004533253610134125},{"word":"that's","start":1235.55,"end":1235.79,"confidence":0.8647827,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.03617320209741592},{"word":"happened","start":1235.79,"end":1236.27,"confidence":0.9857319,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":0.02637667953968048},{"word":"in","start":1236.27,"end":1236.51,"confidence":0.9998653,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03005640208721161},{"word":"the","start":1236.51,"end":1236.67,"confidence":0.9998323,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08016429841518402},{"word":"world","start":1236.67,"end":1237.17,"confidence":0.9995161,"punctuated_word":"world","sentiment":"neutral","sentiment_score":0.04374517500400543},{"word":"since","start":1237.23,"end":1237.47,"confidence":0.9928109,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.07934848964214325},{"word":"then","start":1237.47,"end":1237.79,"confidence":0.9984504,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09310045093297958},{"word":"until","start":1237.79,"end":1238.27,"confidence":0.9914179,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.004059433937072754},{"word":"2025","start":1238.27,"end":1239.57,"confidence":0.99978095,"punctuated_word":"2025.","sentiment":"neutral","sentiment_score":0.0716131329536438},{"word":"now","start":1240.285,"end":1240.785,"confidence":0.9989273,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.12175433337688446},{"word":"it","start":1241.005,"end":1241.245,"confidence":0.9942022,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16565456986427307},{"word":"also","start":1241.245,"end":1241.645,"confidence":0.9998584,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11902116239070892},{"word":"breaks","start":1241.645,"end":1241.965,"confidence":0.9998035,"punctuated_word":"breaks","sentiment":"neutral","sentiment_score":0.16676577925682068},{"word":"down","start":1241.965,"end":1242.2051,"confidence":0.99991655,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.15904712677001953},{"word":"the","start":1242.2051,"end":1242.285,"confidence":0.9995646,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15833239257335663},{"word":"different","start":1242.285,"end":1242.685,"confidence":0.9999281,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.0911315307021141},{"word":"asset","start":1242.685,"end":1243.005,"confidence":0.9991333,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.10505691915750504},{"word":"classes","start":1243.005,"end":1243.505,"confidence":0.94673854,"punctuated_word":"classes.","sentiment":"neutral","sentiment_score":0.12783297896385193},{"word":"so","start":1243.645,"end":1243.885,"confidence":0.9996228,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16157247126102448},{"word":"it","start":1243.885,"end":1244.125,"confidence":0.99953246,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12914657592773438},{"word":"breaks","start":1244.125,"end":1244.4451,"confidence":0.99978,"punctuated_word":"breaks","sentiment":"neutral","sentiment_score":0.1636640727519989},{"word":"down","start":1244.4451,"end":1244.9451,"confidence":0.9998086,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.13871684670448303},{"word":"your","start":1245.3251,"end":1245.645,"confidence":0.9960024,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1506846398115158},{"word":"us","start":1245.645,"end":1245.965,"confidence":0.9995504,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.07946771383285522},{"word":"shares","start":1245.965,"end":1246.4451,"confidence":0.9958831,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.0883864313364029},{"word":"australian","start":1246.4451,"end":1246.9451,"confidence":0.9989126,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.11834391951560974},{"word":"shares","start":1247.005,"end":1247.405,"confidence":0.9995525,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.10691431164741516},{"word":"international","start":1247.405,"end":1247.905,"confidence":0.9983834,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.09706010669469832},{"word":"shares","start":1248.045,"end":1248.365,"confidence":0.989223,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.11830013245344162},{"word":"and","start":1248.365,"end":1248.525,"confidence":0.99755836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14448577165603638},{"word":"property","start":1248.525,"end":1249.025,"confidence":0.98824966,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.15790022909641266},{"word":"now","start":1249.405,"end":1249.725,"confidence":0.99958104,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1975823938846588},{"word":"these","start":1249.725,"end":1250.125,"confidence":0.9917917,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.21070611476898193},{"word":"top","start":1250.125,"end":1250.365,"confidence":0.9991605,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.2509811520576477},{"word":"four","start":1250.365,"end":1250.865,"confidence":0.9980855,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.29987913370132446},{"word":"are","start":1251.005,"end":1251.405,"confidence":0.99872345,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.21852317452430725},{"word":"your","start":1251.405,"end":1251.805,"confidence":0.9995658,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.26214152574539185},{"word":"growth","start":1251.805,"end":1252.2051,"confidence":0.8936815,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.33340585231781006},{"word":"investments","start":1252.2051,"end":1252.7051,"confidence":0.84109676,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.23248010873794556},{"word":"like","start":1253.3251,"end":1253.5651,"confidence":0.9996376,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.4024758040904999},{"word":"i","start":1253.5651,"end":1253.725,"confidence":0.9962888,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3610800802707672},{"word":"mentioned","start":1253.725,"end":1254.2051,"confidence":0.9998093,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.31861644983291626},{"word":"earlier","start":1254.2051,"end":1254.7051,"confidence":0.8559052,"punctuated_word":"earlier.","sentiment":"neutral","sentiment_score":0.29885154962539673},{"word":"and","start":1255.19,"end":1255.35,"confidence":0.9992091,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2285105437040329},{"word":"then","start":1255.35,"end":1255.51,"confidence":0.9999299,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15703952312469482},{"word":"you","start":1255.51,"end":1255.75,"confidence":0.99940217,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1853255033493042},{"word":"have","start":1255.75,"end":1256.07,"confidence":0.99985445,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2049485594034195},{"word":"your","start":1256.07,"end":1256.3099,"confidence":0.99026734,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2205955982208252},{"word":"bottom","start":1256.3099,"end":1256.63,"confidence":0.9983986,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.29150864481925964},{"word":"three","start":1256.63,"end":1256.95,"confidence":0.9585913,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":0.2468714714050293},{"word":"which","start":1256.95,"end":1257.19,"confidence":0.9998932,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2045959830284119},{"word":"are","start":1257.19,"end":1257.35,"confidence":0.99898416,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19659948348999023},{"word":"your","start":1257.35,"end":1257.75,"confidence":0.9962863,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2542140483856201},{"word":"defensive","start":1257.75,"end":1258.25,"confidence":0.95658034,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":-0.022335326299071312},{"word":"and","start":1258.5499,"end":1258.79,"confidence":0.9991843,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09643927216529846},{"word":"when","start":1258.79,"end":1259.03,"confidence":0.9998473,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.13388799130916595},{"word":"you","start":1259.03,"end":1259.27,"confidence":0.99989855,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14528170228004456},{"word":"do","start":1259.27,"end":1259.67,"confidence":0.99994445,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.172963947057724},{"word":"have","start":1259.67,"end":1259.91,"confidence":0.9998747,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15536503493785858},{"word":"a","start":1259.91,"end":1260.07,"confidence":0.99946874,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14844821393489838},{"word":"look","start":1260.07,"end":1260.3099,"confidence":0.99997485,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1146802008152008},{"word":"at","start":1260.3099,"end":1260.39,"confidence":0.99988914,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15207481384277344},{"word":"it","start":1260.39,"end":1260.89,"confidence":0.9993526,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1256242394447327},{"word":"you","start":1261.03,"end":1261.19,"confidence":0.9996195,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1372429132461548},{"word":"will","start":1261.19,"end":1261.51,"confidence":0.99994123,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11151505261659622},{"word":"see","start":1261.51,"end":1261.75,"confidence":0.9983469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13608813285827637},{"word":"that","start":1261.75,"end":1262.07,"confidence":0.99981433,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13375014066696167},{"word":"the","start":1262.07,"end":1262.47,"confidence":0.9997435,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16144391894340515},{"word":"the","start":1262.47,"end":1262.87,"confidence":0.9963148,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1293337494134903},{"word":"growth","start":1262.87,"end":1263.35,"confidence":0.9800889,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.14826606214046478},{"word":"investments","start":1263.35,"end":1263.85,"confidence":0.823179,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.13632501661777496},{"word":"these","start":1263.99,"end":1264.23,"confidence":0.98896223,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.20841330289840695},{"word":"are","start":1264.23,"end":1264.3099,"confidence":0.99729127,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1796828657388687},{"word":"the","start":1264.3099,"end":1264.47,"confidence":0.9815259,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18444107472896576},{"word":"ones","start":1264.47,"end":1264.71,"confidence":0.9900356,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.24439434707164764},{"word":"that","start":1264.71,"end":1264.95,"confidence":0.99183863,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23412194848060608},{"word":"have","start":1264.95,"end":1265.11,"confidence":0.45452043,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2618273198604584},{"word":"grown","start":1265.11,"end":1265.61,"confidence":0.8830917,"punctuated_word":"grown,","sentiment":"neutral","sentiment_score":0.2752196788787842},{"word":"significantly","start":1266.07,"end":1266.57,"confidence":0.9998548,"punctuated_word":"significantly","sentiment":"neutral","sentiment_score":0.3234213590621948},{"word":"the","start":1266.87,"end":1267.11,"confidence":0.9871589,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19827938079833984},{"word":"most","start":1267.11,"end":1267.61,"confidence":0.9598435,"punctuated_word":"most,","sentiment":"neutral","sentiment_score":0.16222882270812988},{"word":"but","start":1267.75,"end":1267.91,"confidence":0.99122566,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11061649024486542},{"word":"they","start":1267.91,"end":1268.07,"confidence":0.90551883,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.10524069517850876},{"word":"also","start":1268.07,"end":1268.47,"confidence":0.99701995,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0625397264957428},{"word":"fluctuate","start":1268.47,"end":1268.97,"confidence":0.99397445,"punctuated_word":"fluctuate","sentiment":"neutral","sentiment_score":0.15761229395866394},{"word":"the","start":1269.03,"end":1269.19,"confidence":0.99750715,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09062594920396803},{"word":"most","start":1269.19,"end":1269.4299,"confidence":0.99841964,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.08593496680259705},{"word":"in","start":1269.4299,"end":1269.59,"confidence":0.9993579,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02289339154958725},{"word":"the","start":1269.59,"end":1269.75,"confidence":0.9972319,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10498560220003128},{"word":"short","start":1269.75,"end":1270.07,"confidence":0.9826431,"punctuated_word":"short","sentiment":"neutral","sentiment_score":0.09662513434886932},{"word":"term","start":1270.07,"end":1270.455,"confidence":0.9910617,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":0.13015760481357574},{"word":"now","start":1271.6549,"end":1271.975,"confidence":0.98978895,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.13939528167247772},{"word":"when","start":1271.975,"end":1272.135,"confidence":0.9955037,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.13294781744480133},{"word":"you","start":1272.135,"end":1272.2949,"confidence":0.99982834,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15103070437908173},{"word":"do","start":1272.2949,"end":1272.455,"confidence":0.99994993,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15061235427856445},{"word":"have","start":1272.455,"end":1272.615,"confidence":0.99995244,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1586230993270874},{"word":"a","start":1272.615,"end":1272.695,"confidence":0.99920136,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1538485884666443},{"word":"look","start":1272.695,"end":1272.855,"confidence":0.99997914,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09958678483963011},{"word":"at","start":1272.855,"end":1273.015,"confidence":0.99942744,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13145840167999268},{"word":"it","start":1273.015,"end":1273.095,"confidence":0.9980884,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12257475405931471},{"word":"as","start":1273.095,"end":1273.335,"confidence":0.99964166,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1436326503753662},{"word":"well","start":1273.335,"end":1273.835,"confidence":0.99974316,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.17111234366893768},{"word":"is","start":1274.2949,"end":1274.615,"confidence":0.5241492,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.129306823015213},{"word":"that","start":1274.615,"end":1275.115,"confidence":0.9973333,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08607294410467148},{"word":"when","start":1275.815,"end":1276.0549,"confidence":0.7283747,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08787433803081512},{"word":"you","start":1276.0549,"end":1276.375,"confidence":0.99952996,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09462980926036836},{"word":"when","start":1276.375,"end":1276.5349,"confidence":0.9991924,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.07396714389324188},{"word":"you","start":1276.5349,"end":1276.7749,"confidence":0.99979776,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08301001787185669},{"word":"look","start":1276.7749,"end":1276.9349,"confidence":0.99976724,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07270105928182602},{"word":"at","start":1276.9349,"end":1277.095,"confidence":0.9998293,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0884745717048645},{"word":"it","start":1277.095,"end":1277.255,"confidence":0.9977696,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.06452247500419617},{"word":"you","start":1277.255,"end":1277.4149,"confidence":0.9999342,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0814039558172226},{"word":"will","start":1277.4149,"end":1277.6549,"confidence":0.9999269,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08545257896184921},{"word":"see","start":1277.6549,"end":1277.8949,"confidence":0.99812216,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09000194072723389},{"word":"that","start":1277.8949,"end":1278.2949,"confidence":0.99982905,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06805123388767242},{"word":"the","start":1278.2949,"end":1278.455,"confidence":0.9980519,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04014316201210022},{"word":"biggest","start":1278.455,"end":1278.955,"confidence":0.9999448,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.005236968398094177},{"word":"drops","start":1279.1749,"end":1279.6549,"confidence":0.8104546,"punctuated_word":"drops","sentiment":"neutral","sentiment_score":-0.08258296549320221},{"word":"in","start":1279.6549,"end":1279.8949,"confidence":0.9998646,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10284219682216644},{"word":"the","start":1279.8949,"end":1280.135,"confidence":0.99962723,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07087895274162292},{"word":"market","start":1280.135,"end":1280.635,"confidence":0.99934524,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.09177684038877489},{"word":"are","start":1281.015,"end":1281.255,"confidence":0.99897015,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.055966950953006744},{"word":"quite","start":1281.255,"end":1281.735,"confidence":0.99973494,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.07173570990562439},{"word":"closely","start":1281.735,"end":1282.235,"confidence":0.999405,"punctuated_word":"closely","sentiment":"neutral","sentiment_score":-0.08851762861013412},{"word":"followed","start":1282.2949,"end":1282.7949,"confidence":0.9996711,"punctuated_word":"followed","sentiment":"neutral","sentiment_score":-0.027166098356246948},{"word":"by","start":1282.855,"end":1283.355,"confidence":0.9998124,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.04931994527578354},{"word":"big","start":1283.815,"end":1284.135,"confidence":0.96519244,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.018588393926620483},{"word":"increases","start":1284.135,"end":1284.635,"confidence":0.99959844,"punctuated_word":"increases","sentiment":"neutral","sentiment_score":0.018321335315704346},{"word":"again","start":1284.695,"end":1285.195,"confidence":0.9934937,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.04561347886919975},{"word":"typically","start":1285.77,"end":1286.17,"confidence":0.9990557,"punctuated_word":"Typically","sentiment":"neutral","sentiment_score":0.09592868387699129},{"word":"speaking","start":1286.17,"end":1286.41,"confidence":0.9976047,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.09131798148155212},{"word":"as","start":1286.41,"end":1286.5701,"confidence":0.9336828,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12625446915626526},{"word":"well","start":1286.5701,"end":1286.81,"confidence":0.98426354,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.1469191014766693},{"word":"obviously","start":1286.81,"end":1287.13,"confidence":0.9977616,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.1258080154657364},{"word":"we","start":1287.13,"end":1287.37,"confidence":0.9887523,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10916484892368317},{"word":"don't","start":1287.37,"end":1287.6901,"confidence":0.9999543,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.003250355599448085},{"word":"wanna","start":1287.6901,"end":1288.01,"confidence":0.9734528,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.0943981632590294},{"word":"sell","start":1288.01,"end":1288.3301,"confidence":0.99754095,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.2230545878410339},{"word":"out","start":1288.3301,"end":1288.5701,"confidence":0.9988165,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.2322639673948288},{"word":"unless","start":1288.5701,"end":1288.89,"confidence":0.93471646,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.12054955214262009},{"word":"there","start":1288.89,"end":1289.05,"confidence":0.9985232,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.08758832514286041},{"word":"is","start":1289.05,"end":1289.29,"confidence":0.8907101,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.12187877297401428},{"word":"structural","start":1289.29,"end":1289.79,"confidence":0.9988128,"punctuated_word":"structural","sentiment":"neutral","sentiment_score":-0.2046269029378891},{"word":"issues","start":1289.85,"end":1290.3301,"confidence":0.9990879,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":-0.3148260712623596},{"word":"or","start":1290.3301,"end":1290.49,"confidence":0.9005122,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08251253515481949},{"word":"we","start":1290.49,"end":1290.65,"confidence":0.999793,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.006533920764923096},{"word":"don't","start":1290.65,"end":1290.81,"confidence":0.99982136,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0862140879034996},{"word":"foresee","start":1290.81,"end":1291.31,"confidence":0.97863597,"punctuated_word":"foresee","sentiment":"neutral","sentiment_score":-0.15180814266204834},{"word":"anything","start":1291.4501,"end":1291.93,"confidence":0.9993747,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.0753646194934845},{"word":"coming","start":1291.93,"end":1292.17,"confidence":0.9998472,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.1088302731513977},{"word":"back","start":1292.17,"end":1292.49,"confidence":0.9996581,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.10200918465852736},{"word":"around","start":1292.49,"end":1292.99,"confidence":0.984619,"punctuated_word":"around.","sentiment":"neutral","sentiment_score":-0.11248703300952911},{"word":"you","start":1293.29,"end":1293.4501,"confidence":0.9975662,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.06096642464399338},{"word":"wanna","start":1293.4501,"end":1293.6901,"confidence":0.96118385,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.010071896016597748},{"word":"obviously","start":1293.6901,"end":1294.0901,"confidence":0.89864486,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.012567684054374697},{"word":"avoid","start":1294.0901,"end":1294.41,"confidence":0.9973966,"punctuated_word":"avoid","sentiment":"neutral","sentiment_score":-0.09318669140338898},{"word":"sometimes","start":1294.41,"end":1294.89,"confidence":0.90495217,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.1354440152645111},{"word":"selling","start":1294.89,"end":1295.13,"confidence":0.9851656,"punctuated_word":"selling","sentiment":"negative","sentiment_score":-0.33932143449783325},{"word":"at","start":1295.13,"end":1295.29,"confidence":0.99914885,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.27017271518707275},{"word":"the","start":1295.29,"end":1295.4501,"confidence":0.99908626,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17889627814292908},{"word":"bottom","start":1295.4501,"end":1295.77,"confidence":0.9998049,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":-0.21087542176246643},{"word":"because","start":1295.77,"end":1296.0901,"confidence":0.90618676,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04465755820274353},{"word":"that's","start":1296.0901,"end":1296.3301,"confidence":0.998351,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.061122819781303406},{"word":"when","start":1296.3301,"end":1296.8301,"confidence":0.99929,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.05236457288265228},{"word":"you","start":1296.97,"end":1297.2101,"confidence":0.9891767,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0552307665348053},{"word":"only","start":1297.2101,"end":1297.4501,"confidence":0.842156,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.09339277446269988},{"word":"crystallize","start":1297.4501,"end":1297.9501,"confidence":0.83327,"punctuated_word":"crystallize","sentiment":"neutral","sentiment_score":-0.09502848237752914},{"word":"the","start":1298.0901,"end":1298.17,"confidence":0.98902506,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1292818784713745},{"word":"losses","start":1298.17,"end":1298.5701,"confidence":0.9731135,"punctuated_word":"losses","sentiment":"neutral","sentiment_score":-0.15912935137748718},{"word":"while","start":1298.5701,"end":1298.73,"confidence":0.6607049,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.01924215257167816},{"word":"you're","start":1298.73,"end":1298.925,"confidence":0.9062864,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03422216698527336},{"word":"selling","start":1299.005,"end":1299.245,"confidence":0.9882329,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.04499027132987976},{"word":"at","start":1299.245,"end":1299.325,"confidence":0.9989021,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05546817183494568},{"word":"the","start":1299.325,"end":1299.405,"confidence":0.998838,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1708594113588333},{"word":"bottom","start":1299.405,"end":1299.885,"confidence":0.8515886,"punctuated_word":"bottom,","sentiment":"neutral","sentiment_score":0.15708087384700775},{"word":"and","start":1299.885,"end":1300.2051,"confidence":0.99957865,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2686232030391693},{"word":"sometimes","start":1300.2051,"end":1300.6051,"confidence":0.98202574,"punctuated_word":"sometimes","sentiment":"positive","sentiment_score":0.4330242872238159},{"word":"that's","start":1300.6051,"end":1300.8451,"confidence":0.9703083,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.45233410596847534},{"word":"even","start":1300.8451,"end":1301.165,"confidence":0.99733114,"punctuated_word":"even","sentiment":"positive","sentiment_score":0.4692203402519226},{"word":"a","start":1301.165,"end":1301.245,"confidence":0.99983656,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4574431777000427},{"word":"good","start":1301.245,"end":1301.4851,"confidence":0.9999573,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4477946162223816},{"word":"buying","start":1301.4851,"end":1301.805,"confidence":0.99978334,"punctuated_word":"buying","sentiment":"positive","sentiment_score":0.3657818138599396},{"word":"opportunity","start":1301.805,"end":1302.305,"confidence":0.9995763,"punctuated_word":"opportunity","sentiment":"positive","sentiment_score":0.4571561813354492},{"word":"for","start":1302.525,"end":1302.765,"confidence":0.9956383,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3982695937156677},{"word":"potentially","start":1302.765,"end":1303.165,"confidence":0.99285734,"punctuated_word":"potentially","sentiment":"positive","sentiment_score":0.5217519998550415},{"word":"buying","start":1303.165,"end":1303.4851,"confidence":0.9997385,"punctuated_word":"buying","sentiment":"positive","sentiment_score":0.3849417567253113},{"word":"a","start":1303.4851,"end":1303.5651,"confidence":0.9996835,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4115658402442932},{"word":"little","start":1303.5651,"end":1303.805,"confidence":0.9998925,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2951773405075073},{"word":"bit","start":1303.805,"end":1303.9651,"confidence":0.9995819,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2514806389808655},{"word":"cheaper","start":1303.9651,"end":1304.4651,"confidence":0.9996803,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.3223349452018738},{"word":"as","start":1304.6051,"end":1304.8451,"confidence":0.6867477,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.26237398386001587},{"word":"long","start":1304.8451,"end":1305.005,"confidence":0.9998623,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.23705218732357025},{"word":"as","start":1305.005,"end":1305.0851,"confidence":0.99842227,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1846235394477844},{"word":"you","start":1305.0851,"end":1305.245,"confidence":0.99491525,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21402063965797424},{"word":"obviously","start":1305.245,"end":1305.7251,"confidence":0.83062977,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.09594030678272247},{"word":"foresee","start":1305.7251,"end":1306.125,"confidence":0.84493035,"punctuated_word":"foresee","sentiment":"neutral","sentiment_score":0.13233628869056702},{"word":"that","start":1306.125,"end":1306.4451,"confidence":0.99703896,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13802319765090942},{"word":"to","start":1306.4451,"end":1306.525,"confidence":0.99841046,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06565485894680023},{"word":"come","start":1306.525,"end":1306.765,"confidence":0.99979764,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.049827903509140015},{"word":"back","start":1306.765,"end":1307.005,"confidence":0.9993568,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.021300017833709717},{"word":"around","start":1307.005,"end":1307.505,"confidence":0.99737483,"punctuated_word":"around.","sentiment":"neutral","sentiment_score":0.0455535352230072},{"word":"so","start":1308.4451,"end":1308.9451,"confidence":0.9976463,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21617373824119568},{"word":"that","start":1309.005,"end":1309.245,"confidence":0.9978254,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3133859932422638},{"word":"vandex","start":1309.245,"end":1309.745,"confidence":0.6671292,"punctuated_word":"Vandex","sentiment":"neutral","sentiment_score":0.26870083808898926},{"word":"index","start":1309.805,"end":1310.2051,"confidence":0.83069324,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.23346424102783203},{"word":"chart","start":1310.2051,"end":1310.285,"confidence":0.7807888,"punctuated_word":"chart,","sentiment":"neutral","sentiment_score":0.24289460480213165},{"word":"it","start":1310.285,"end":1310.4451,"confidence":0.97313166,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22898901998996735},{"word":"just","start":1310.4451,"end":1310.6051,"confidence":0.9966537,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22698429226875305},{"word":"kind","start":1310.6051,"end":1310.765,"confidence":0.93305796,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.26875266432762146},{"word":"of","start":1310.765,"end":1310.8451,"confidence":0.9993119,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2667337656021118},{"word":"gives","start":1310.8451,"end":1311.0851,"confidence":0.9985257,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.27501749992370605},{"word":"you","start":1311.0851,"end":1311.245,"confidence":0.9995427,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30550703406333923},{"word":"a","start":1311.245,"end":1311.3251,"confidence":0.94520986,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3065962791442871},{"word":"good","start":1311.3251,"end":1311.4851,"confidence":0.99968696,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.36062535643577576},{"word":"visualization","start":1311.4851,"end":1311.9851,"confidence":0.99604046,"punctuated_word":"visualization","sentiment":"positive","sentiment_score":0.4270687401294708},{"word":"of","start":1312.6051,"end":1312.765,"confidence":0.9997346,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3551430106163025},{"word":"that","start":1312.765,"end":1313.005,"confidence":0.7501739,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.30876702070236206},{"word":"essentially","start":1313.005,"end":1313.505,"confidence":0.9207942,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.24915651977062225},{"word":"which","start":1315.4099,"end":1315.65,"confidence":0.5626024,"punctuated_word":"Which","sentiment":"neutral","sentiment_score":0.1919854581356049},{"word":"then","start":1315.65,"end":1315.97,"confidence":0.97739923,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1656075268983841},{"word":"takes","start":1315.97,"end":1316.2899,"confidence":0.997962,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.18283990025520325},{"word":"us","start":1316.2899,"end":1316.53,"confidence":0.999546,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.165337935090065},{"word":"through","start":1316.53,"end":1316.85,"confidence":0.9945034,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.16503065824508667},{"word":"your","start":1316.85,"end":1317.25,"confidence":0.99944013,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14868442714214325},{"word":"portfolio","start":1317.25,"end":1317.75,"confidence":0.9703657,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.12266415357589722},{"word":"so","start":1317.89,"end":1318.21,"confidence":0.9758326,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14805671572685242},{"word":"part","start":1318.21,"end":1318.45,"confidence":0.962887,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.1796046495437622},{"word":"of","start":1318.45,"end":1318.61,"confidence":0.99977976,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2111195772886276},{"word":"it","start":1318.61,"end":1318.77,"confidence":0.9862833,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20746973156929016},{"word":"as","start":1318.77,"end":1318.9299,"confidence":0.90739805,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19074928760528564},{"word":"well","start":1318.9299,"end":1319.09,"confidence":0.97516155,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.18225115537643433},{"word":"you","start":1319.09,"end":1319.33,"confidence":0.9998215,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1799873560667038},{"word":"will","start":1319.33,"end":1319.57,"confidence":0.999889,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.18875616788864136},{"word":"see","start":1319.57,"end":1319.8099,"confidence":0.9997186,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1865334510803223},{"word":"a","start":1319.8099,"end":1320.0499,"confidence":0.998705,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12664687633514404},{"word":"twelve","start":1320.0499,"end":1320.45,"confidence":0.99979335,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.10562469065189362},{"word":"month","start":1320.45,"end":1320.85,"confidence":0.99620783,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.1129859983921051},{"word":"report","start":1320.85,"end":1321.35,"confidence":0.9995134,"punctuated_word":"report.","sentiment":"neutral","sentiment_score":0.14905695617198944},{"word":"now","start":1321.89,"end":1322.21,"confidence":0.9989135,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.19337321817874908},{"word":"this","start":1322.21,"end":1322.45,"confidence":0.9947995,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2153746634721756},{"word":"one","start":1322.45,"end":1322.69,"confidence":0.99982893,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.21754854917526245},{"word":"here","start":1322.69,"end":1323.01,"confidence":0.9996494,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.24065464735031128},{"word":"shows","start":1323.01,"end":1323.25,"confidence":0.9990846,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.19977544248104095},{"word":"you","start":1323.25,"end":1323.49,"confidence":0.9995993,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2294924110174179},{"word":"all","start":1323.49,"end":1323.65,"confidence":0.99939764,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2241421490907669},{"word":"your","start":1323.65,"end":1324.15,"confidence":0.9987684,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1943453997373581},{"word":"all","start":1324.2899,"end":1324.53,"confidence":0.67143,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.23272794485092163},{"word":"your","start":1324.53,"end":1324.85,"confidence":0.99978477,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21038293838500977},{"word":"investments","start":1324.85,"end":1325.35,"confidence":0.8279327,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.2073046863079071},{"word":"how","start":1325.89,"end":1326.0499,"confidence":0.99687696,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.28173893690109253},{"word":"they","start":1326.0499,"end":1326.2899,"confidence":0.99994075,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.30841687321662903},{"word":"have","start":1326.2899,"end":1326.61,"confidence":0.9997391,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23012608289718628},{"word":"performed","start":1326.61,"end":1327.11,"confidence":0.998769,"punctuated_word":"performed","sentiment":"neutral","sentiment_score":0.28119999170303345},{"word":"over","start":1327.695,"end":1327.9349,"confidence":0.99985886,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.3438001573085785},{"word":"the","start":1327.9349,"end":1328.015,"confidence":0.99980336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2664162814617157},{"word":"last","start":1328.015,"end":1328.515,"confidence":0.9997789,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.2156876176595688},{"word":"twelve","start":1328.6549,"end":1329.0549,"confidence":0.99970573,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.21717321872711184},{"word":"months","start":1329.0549,"end":1329.455,"confidence":0.932755,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.20967647433280945},{"word":"now","start":1329.455,"end":1329.7749,"confidence":0.999263,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07456650584936142},{"word":"everything","start":1329.7749,"end":1330.1749,"confidence":0.9936413,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.082496777176857},{"word":"is","start":1330.1749,"end":1330.575,"confidence":0.9998807,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06216016411781311},{"word":"net","start":1330.575,"end":1330.815,"confidence":0.9833118,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.07528939843177795},{"word":"of","start":1330.815,"end":1331.215,"confidence":0.9821399,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.032903481274843216},{"word":"fees","start":1331.215,"end":1331.715,"confidence":0.95616597,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.010921226814389229},{"word":"so","start":1332.1749,"end":1332.495,"confidence":0.9991879,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00039383023977279663},{"word":"like","start":1332.495,"end":1332.735,"confidence":0.7460629,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.003038443624973297},{"word":"i","start":1332.735,"end":1332.815,"confidence":0.99700695,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014744102954864502},{"word":"said","start":1332.815,"end":1332.975,"confidence":0.99821866,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.022079430520534515},{"word":"obviously","start":1332.975,"end":1333.2949,"confidence":0.9952405,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.005315259099006653},{"word":"there's","start":1333.2949,"end":1333.5349,"confidence":0.999205,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.011816993355751038},{"word":"been","start":1333.5349,"end":1333.695,"confidence":0.99892706,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.020011380314826965},{"word":"a","start":1333.695,"end":1333.7749,"confidence":0.9989619,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03441626578569412},{"word":"lot","start":1333.7749,"end":1334.015,"confidence":0.99992406,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.06024220585823059},{"word":"of","start":1334.015,"end":1334.255,"confidence":0.9998165,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05572983622550965},{"word":"fluctuations","start":1334.255,"end":1334.755,"confidence":0.9818017,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":-0.06457945704460144},{"word":"in","start":1335.0549,"end":1335.215,"confidence":0.99990356,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08788272738456726},{"word":"the","start":1335.215,"end":1335.375,"confidence":0.9998449,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08452294021844864},{"word":"market","start":1335.375,"end":1335.875,"confidence":0.980454,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.06576872617006302},{"word":"over","start":1335.9349,"end":1336.1749,"confidence":0.9995493,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.05198799818754196},{"word":"the","start":1336.1749,"end":1336.335,"confidence":0.9994301,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07518688589334488},{"word":"last","start":1336.335,"end":1336.735,"confidence":0.99966776,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.022295020520687103},{"word":"twelve","start":1336.735,"end":1337.0549,"confidence":0.9998178,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.01716696470975876},{"word":"months","start":1337.0549,"end":1337.5549,"confidence":0.9937951,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.033362891525030136},{"word":"so","start":1338.8949,"end":1339.3949,"confidence":0.8456887,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.014857485890388489},{"word":"after","start":1339.455,"end":1339.955,"confidence":0.9984162,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.010720998048782349},{"word":"after","start":1340.095,"end":1340.495,"confidence":0.99204504,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.006454631686210632},{"word":"all","start":1340.495,"end":1340.735,"confidence":0.99404,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.023132458329200745},{"word":"fees","start":1340.735,"end":1340.975,"confidence":0.9879098,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.0065304189920425415},{"word":"have","start":1340.975,"end":1341.42,"confidence":0.9966156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01258896291255951},{"word":"come","start":1341.5801,"end":1341.8201,"confidence":0.9998987,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.012639015913009644},{"word":"out","start":1341.8201,"end":1342.2201,"confidence":0.99988246,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.010087527334690094},{"word":"of","start":1342.2201,"end":1342.38,"confidence":0.974668,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007350929081439972},{"word":"your","start":1342.38,"end":1342.78,"confidence":0.9996001,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.032344378530979156},{"word":"account","start":1342.78,"end":1343.28,"confidence":0.99227405,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.010770779103040695},{"word":"your","start":1344.06,"end":1344.38,"confidence":0.9406498,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.005302794277667999},{"word":"portfolio","start":1344.38,"end":1344.62,"confidence":0.9988366,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.021044261753559113},{"word":"and","start":1344.86,"end":1344.9401,"confidence":0.98534167,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0005378462374210358},{"word":"now","start":1344.9401,"end":1345.26,"confidence":0.9973822,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.0010290183126926422},{"word":"this","start":1345.26,"end":1345.5,"confidence":0.9863874,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.004661403596401215},{"word":"doesn't","start":1345.5,"end":1345.9,"confidence":0.9994584,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.009403000585734844},{"word":"include","start":1345.9,"end":1346.4,"confidence":0.99977094,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.0015118718147277832},{"word":"contributions","start":1346.62,"end":1347.12,"confidence":0.7822939,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":-0.03821812197566032},{"word":"that","start":1347.26,"end":1347.42,"confidence":0.99918634,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.012115441262722015},{"word":"is","start":1347.42,"end":1347.66,"confidence":0.9994186,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.015577029436826706},{"word":"just","start":1347.66,"end":1347.9,"confidence":0.99990094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.013265512883663176},{"word":"your","start":1347.9,"end":1348.3,"confidence":0.99940515,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.016193531453609467},{"word":"investment","start":1348.3,"end":1348.8,"confidence":0.9567375,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.015974707901477814},{"word":"it","start":1349.66,"end":1349.9,"confidence":0.97459817,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.07460779696702957},{"word":"has","start":1349.9,"end":1350.14,"confidence":0.9998672,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.036353856325149536},{"word":"gone","start":1350.14,"end":1350.38,"confidence":0.99948716,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.15209877490997314},{"word":"up","start":1350.38,"end":1350.7001,"confidence":0.99891746,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14508076012134552},{"word":"by","start":1350.7001,"end":1351.02,"confidence":0.9994382,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.06556336581707001},{"word":"about","start":1351.02,"end":1351.52,"confidence":0.9994261,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03860577940940857},{"word":"0.24%","start":1351.5801,"end":1353.52,"confidence":0.98955584,"punctuated_word":"0.24%.","sentiment":"neutral","sentiment_score":0.05915113165974617},{"word":"so","start":1355.115,"end":1355.275,"confidence":0.9981079,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03868407756090164},{"word":"it's","start":1355.275,"end":1355.515,"confidence":0.9742981,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.024732140824198723},{"word":"still","start":1355.515,"end":1355.755,"confidence":0.99952567,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0018753856420516968},{"word":"gone","start":1355.755,"end":1355.995,"confidence":0.7369675,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.047563597559928894},{"word":"up","start":1355.995,"end":1356.155,"confidence":0.9992298,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07303483784198761},{"word":"a","start":1356.155,"end":1356.235,"confidence":0.9997843,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.002161908894777298},{"word":"little","start":1356.235,"end":1356.4751,"confidence":0.9999293,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.035058096051216125},{"word":"bit","start":1356.4751,"end":1356.9751,"confidence":0.99660945,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.019410256296396255},{"word":"obviously","start":1357.115,"end":1357.515,"confidence":0.7932186,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.04979593679308891},{"word":"there","start":1357.515,"end":1357.675,"confidence":0.99768114,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.058562785387039185},{"word":"has","start":1357.675,"end":1357.915,"confidence":0.999521,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.07739108800888062},{"word":"been","start":1357.915,"end":1358.155,"confidence":0.99987745,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.06102849543094635},{"word":"a","start":1358.155,"end":1358.235,"confidence":0.99976367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08671176433563232},{"word":"lot","start":1358.235,"end":1358.395,"confidence":0.99991953,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.09595541656017303},{"word":"of","start":1358.395,"end":1358.635,"confidence":0.99986553,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09089970588684082},{"word":"fluctuations","start":1358.635,"end":1359.135,"confidence":0.9964226,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":-0.10270139575004578},{"word":"in","start":1359.355,"end":1359.515,"confidence":0.9998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16241037845611572},{"word":"the","start":1359.515,"end":1359.675,"confidence":0.9997434,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15366977453231812},{"word":"market","start":1359.675,"end":1360.0751,"confidence":0.9999021,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.12300235778093338},{"word":"like","start":1360.0751,"end":1360.3151,"confidence":0.71784836,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.11174581199884416},{"word":"i","start":1360.3151,"end":1360.395,"confidence":0.99949837,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05975410342216492},{"word":"mentioned","start":1360.395,"end":1360.895,"confidence":0.8133162,"punctuated_word":"mentioned.","sentiment":"neutral","sentiment_score":-0.06535966694355011},{"word":"but","start":1361.995,"end":1362.395,"confidence":0.9843164,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.05163726210594177},{"word":"one","start":1362.395,"end":1362.635,"confidence":0.9996438,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.108485110104084},{"word":"of","start":1362.635,"end":1362.795,"confidence":0.999895,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03999878466129303},{"word":"the","start":1362.795,"end":1363.035,"confidence":0.999845,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03950151801109314},{"word":"investments","start":1363.035,"end":1363.535,"confidence":0.98083705,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.08646786957979202},{"word":"in","start":1363.755,"end":1363.915,"confidence":0.9999244,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05810484290122986},{"word":"your","start":1363.915,"end":1364.3151,"confidence":0.9998827,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0035118013620376587},{"word":"portfolio","start":1364.3151,"end":1364.8151,"confidence":0.9705719,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.03719528019428253},{"word":"which","start":1365.275,"end":1365.515,"confidence":0.9976494,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.016426146030426025},{"word":"is","start":1365.515,"end":1365.8351,"confidence":0.9998337,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.013206519186496736},{"word":"the","start":1365.8351,"end":1365.995,"confidence":0.9995098,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009804479777812958},{"word":"one","start":1365.995,"end":1366.235,"confidence":0.9997303,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.005901426076889038},{"word":"that","start":1366.235,"end":1366.4751,"confidence":0.99974436,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03976292908191681},{"word":"kind","start":1366.4751,"end":1366.7151,"confidence":0.66707134,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.08674944192171097},{"word":"of","start":1366.7151,"end":1367.2151,"confidence":0.99905044,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09132779389619829},{"word":"underperformed","start":1368.28,"end":1368.78,"confidence":0.97242075,"punctuated_word":"underperformed","sentiment":"neutral","sentiment_score":0.000126486032968387},{"word":"the","start":1369.0,"end":1369.24,"confidence":0.99972147,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09209074079990388},{"word":"most","start":1369.24,"end":1369.74,"confidence":0.87759554,"punctuated_word":"most,","sentiment":"neutral","sentiment_score":-0.07725905627012253},{"word":"i","start":1370.2001,"end":1370.36,"confidence":0.82891905,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09305551648139954},{"word":"would","start":1370.36,"end":1370.6,"confidence":0.99988914,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.05117645859718323},{"word":"like","start":1370.6,"end":1370.84,"confidence":0.99827886,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.050290048122406006},{"word":"to","start":1370.84,"end":1371.0,"confidence":0.9994803,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06051763892173767},{"word":"look","start":1371.0,"end":1371.16,"confidence":0.99977547,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.06304264068603516},{"word":"at","start":1371.16,"end":1371.64,"confidence":0.99960595,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0971328467130661},{"word":"changing","start":1371.64,"end":1372.14,"confidence":0.99679995,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.025141775608062744},{"word":"if","start":1372.28,"end":1372.52,"confidence":0.88419294,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.01673749089241028},{"word":"you","start":1372.52,"end":1372.68,"confidence":0.9998932,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01263141632080078},{"word":"are","start":1372.68,"end":1372.84,"confidence":0.970648,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.021707743406295776},{"word":"happy","start":1372.84,"end":1373.3201,"confidence":0.9999126,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.016336679458618164},{"word":"to","start":1373.3201,"end":1373.48,"confidence":0.99941504,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.005406662821769714},{"word":"do","start":1373.48,"end":1373.72,"confidence":0.9993362,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.005250111222267151},{"word":"so","start":1373.72,"end":1374.22,"confidence":0.996583,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.011247478425502775},{"word":"so","start":1374.6,"end":1375.1,"confidence":0.9819374,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.094642773270607},{"word":"that","start":1375.4,"end":1375.88,"confidence":0.9987978,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11748066544532776},{"word":"is","start":1375.88,"end":1376.38,"confidence":0.9999243,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11286188662052156},{"word":"your","start":1376.6,"end":1377.1,"confidence":0.9984648,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1262134462594986},{"word":"benelong","start":1377.24,"end":1377.74,"confidence":0.74851257,"punctuated_word":"Benelong","sentiment":"neutral","sentiment_score":0.08328638225793839},{"word":"australian","start":1378.12,"end":1378.62,"confidence":0.9797237,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.1371360719203949},{"word":"equity","start":1378.68,"end":1379.16,"confidence":0.7606155,"punctuated_word":"equity.","sentiment":"neutral","sentiment_score":0.09575140476226808},{"word":"so","start":1379.16,"end":1379.3201,"confidence":0.99978966,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14112865924835205},{"word":"when","start":1379.3201,"end":1379.48,"confidence":0.99982625,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1647728681564331},{"word":"you","start":1379.48,"end":1379.64,"confidence":0.9998425,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15292653441429138},{"word":"have","start":1379.64,"end":1379.8,"confidence":0.9996908,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1479109674692154},{"word":"a","start":1379.8,"end":1379.88,"confidence":0.9984952,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15011700987815857},{"word":"look","start":1379.88,"end":1380.04,"confidence":0.9999243,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10982944816350936},{"word":"at","start":1380.04,"end":1380.2001,"confidence":0.9978935,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1589890569448471},{"word":"that","start":1380.2001,"end":1380.28,"confidence":0.8508079,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.12482766807079317},{"word":"it's","start":1380.28,"end":1380.52,"confidence":0.9168261,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10258286446332932},{"word":"your","start":1380.52,"end":1380.84,"confidence":0.9949569,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10603384673595428},{"word":"top","start":1380.84,"end":1381.16,"confidence":0.9983589,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.12115679681301116},{"word":"managed","start":1381.16,"end":1381.64,"confidence":0.97929215,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.11921791732311247},{"word":"fund","start":1381.64,"end":1381.88,"confidence":0.97081506,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.08961866796016693},{"word":"option","start":1381.88,"end":1382.2001,"confidence":0.9992938,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.10278588533401488},{"word":"when","start":1382.2001,"end":1382.4401,"confidence":0.99486154,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.13028591871261597},{"word":"you","start":1382.4401,"end":1382.52,"confidence":0.9998185,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1311114877462387},{"word":"look","start":1382.52,"end":1382.76,"confidence":0.99955016,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12092680484056471},{"word":"at","start":1382.76,"end":1382.92,"confidence":0.9988538,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13243967294692993},{"word":"this","start":1382.92,"end":1383.075,"confidence":0.9981415,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10118398070335388},{"word":"report","start":1383.1549,"end":1383.6549,"confidence":0.99314535,"punctuated_word":"report.","sentiment":"neutral","sentiment_score":0.10253772139549255},{"word":"so","start":1384.2749,"end":1384.5149,"confidence":0.97571,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07203975319862366},{"word":"it","start":1384.5149,"end":1384.6749,"confidence":0.99846953,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.058889396488666534},{"word":"might","start":1384.6749,"end":1384.9149,"confidence":0.99989545,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.033874914050102234},{"word":"look","start":1384.9149,"end":1385.075,"confidence":0.99975187,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07814822345972061},{"word":"a","start":1385.075,"end":1385.235,"confidence":0.9997887,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03332210332155228},{"word":"little","start":1385.235,"end":1385.3949,"confidence":0.9998455,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.025742456316947937},{"word":"bit","start":1385.3949,"end":1385.635,"confidence":0.99929833,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04626261442899704},{"word":"messy","start":1385.635,"end":1386.135,"confidence":0.96696734,"punctuated_word":"messy,","sentiment":"neutral","sentiment_score":-0.0188843235373497},{"word":"but","start":1386.9149,"end":1387.1549,"confidence":0.68171465,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.036072373390197754},{"word":"it's","start":1387.1549,"end":1387.315,"confidence":0.99972516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.12846267223358154},{"word":"the","start":1387.315,"end":1387.5549,"confidence":0.99399793,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1221836507320404},{"word":"benelon","start":1387.5549,"end":1388.0549,"confidence":0.8050551,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":0.11511647701263428},{"word":"australian","start":1388.115,"end":1388.615,"confidence":0.9737023,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.1163354516029358},{"word":"equity","start":1388.6749,"end":1389.1749,"confidence":0.64993036,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":0.06379497051239014},{"word":"one","start":1389.235,"end":1389.715,"confidence":0.9991063,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.12452532351016998},{"word":"now","start":1389.715,"end":1390.0349,"confidence":0.9993113,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.369215190410614},{"word":"the","start":1390.0349,"end":1390.2749,"confidence":0.9965358,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.43070459365844727},{"word":"reason","start":1390.2749,"end":1390.6749,"confidence":0.99988353,"punctuated_word":"reason","sentiment":"positive","sentiment_score":0.4197290241718292},{"word":"is","start":1390.6749,"end":1390.9149,"confidence":0.99985075,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4585496485233307},{"word":"that","start":1390.9149,"end":1391.235,"confidence":0.99953485,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4872756898403168},{"word":"when","start":1391.235,"end":1391.475,"confidence":0.9947477,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.5534708499908447},{"word":"we","start":1391.475,"end":1391.7949,"confidence":0.99978405,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5838257074356079},{"word":"originally","start":1391.7949,"end":1392.2749,"confidence":0.998442,"punctuated_word":"originally","sentiment":"positive","sentiment_score":0.4581473469734192},{"word":"added","start":1392.2749,"end":1392.5149,"confidence":0.99787855,"punctuated_word":"added","sentiment":"positive","sentiment_score":0.5013384222984314},{"word":"this","start":1392.5149,"end":1392.755,"confidence":0.9976648,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5259392857551575},{"word":"to","start":1392.755,"end":1392.9149,"confidence":0.9930963,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.48956650495529175},{"word":"your","start":1392.9149,"end":1393.1549,"confidence":0.9987967,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4824368953704834},{"word":"portfolio","start":1393.1549,"end":1393.6549,"confidence":0.9991548,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.3864080309867859},{"word":"when","start":1393.715,"end":1393.875,"confidence":0.8867098,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.4172959327697754},{"word":"you","start":1393.875,"end":1394.0349,"confidence":0.9999256,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5380261540412903},{"word":"came","start":1394.0349,"end":1394.2749,"confidence":0.99982184,"punctuated_word":"came","sentiment":"positive","sentiment_score":0.49158045649528503},{"word":"on","start":1394.2749,"end":1394.4349,"confidence":0.8330175,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4933633804321289},{"word":"board","start":1394.4349,"end":1394.9349,"confidence":0.99646807,"punctuated_word":"board,","sentiment":"positive","sentiment_score":0.5402898788452148},{"word":"it","start":1395.57,"end":1395.89,"confidence":0.98907006,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.7098090052604675},{"word":"was","start":1395.89,"end":1396.21,"confidence":0.9994072,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.644045352935791},{"word":"doing","start":1396.21,"end":1396.5299,"confidence":0.99890745,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.6234394311904907},{"word":"really","start":1396.5299,"end":1396.77,"confidence":0.9722551,"punctuated_word":"really,","sentiment":"positive","sentiment_score":0.6485094428062439},{"word":"really","start":1396.77,"end":1397.01,"confidence":0.9998969,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6492388844490051},{"word":"well","start":1397.01,"end":1397.25,"confidence":0.9986721,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.3319867253303528},{"word":"it","start":1397.25,"end":1397.4099,"confidence":0.99858785,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4140040576457978},{"word":"was","start":1397.4099,"end":1397.65,"confidence":0.9996049,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.4257235527038574},{"word":"one","start":1397.65,"end":1397.73,"confidence":0.99789596,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.547290027141571},{"word":"of","start":1397.73,"end":1397.89,"confidence":0.99902725,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.556140124797821},{"word":"the","start":1397.89,"end":1398.0499,"confidence":0.9948748,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6501809358596802},{"word":"top","start":1398.0499,"end":1398.2899,"confidence":0.9990514,"punctuated_word":"top","sentiment":"positive","sentiment_score":0.6485187411308289},{"word":"performing","start":1398.2899,"end":1398.7899,"confidence":0.99618787,"punctuated_word":"performing","sentiment":"positive","sentiment_score":0.46880483627319336},{"word":"fund","start":1399.65,"end":1399.89,"confidence":0.86181957,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.6222711205482483},{"word":"managers","start":1399.89,"end":1400.39,"confidence":0.9975726,"punctuated_word":"managers","sentiment":"positive","sentiment_score":0.6773931384086609},{"word":"at","start":1400.45,"end":1400.61,"confidence":0.9949674,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4843141436576843},{"word":"the","start":1400.61,"end":1400.69,"confidence":0.7866963,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5848055481910706},{"word":"time","start":1400.69,"end":1400.9299,"confidence":0.9781878,"punctuated_word":"time,","sentiment":"positive","sentiment_score":0.5594443082809448},{"word":"and","start":1400.9299,"end":1401.09,"confidence":0.9857788,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5529541969299316},{"word":"they","start":1401.09,"end":1401.25,"confidence":0.9939545,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.7437095642089844},{"word":"have","start":1401.25,"end":1401.49,"confidence":0.99356574,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7354364395141602},{"word":"done","start":1401.49,"end":1401.89,"confidence":0.97262955,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.7890751957893372},{"word":"really","start":1401.89,"end":1402.21,"confidence":0.99293053,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.8376337885856628},{"word":"well","start":1402.21,"end":1402.71,"confidence":0.9931459,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.6835303902626038},{"word":"now","start":1403.09,"end":1403.59,"confidence":0.9908302,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.31192976236343384},{"word":"the","start":1403.65,"end":1403.89,"confidence":0.8897309,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3276398777961731},{"word":"purpose","start":1403.89,"end":1404.39,"confidence":0.9797615,"punctuated_word":"purpose","sentiment":"positive","sentiment_score":0.37831830978393555},{"word":"of","start":1404.5299,"end":1404.77,"confidence":0.9600502,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3284216821193695},{"word":"that","start":1404.77,"end":1405.27,"confidence":0.95078814,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35204121470451355},{"word":"investment","start":1405.57,"end":1406.07,"confidence":0.9215739,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.2621903419494629},{"word":"was","start":1406.85,"end":1407.09,"confidence":0.9311483,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.21649858355522156},{"word":"to","start":1407.09,"end":1407.25,"confidence":0.9350746,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23455654084682465},{"word":"try","start":1407.25,"end":1407.49,"confidence":0.83568925,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.270066499710083},{"word":"to","start":1407.49,"end":1407.99,"confidence":0.57569456,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2313212454319},{"word":"investment","start":1415.1849,"end":1415.6849,"confidence":0.4279348,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.14372320473194122},{"word":"in","start":1416.3849,"end":1416.5449,"confidence":0.98009104,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14724496006965637},{"word":"order","start":1416.5449,"end":1416.865,"confidence":0.9998466,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.1735278218984604},{"word":"to","start":1416.865,"end":1417.0249,"confidence":0.99781454,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3524828255176544},{"word":"tryna","start":1417.0249,"end":1417.5249,"confidence":0.7914492,"punctuated_word":"tryna","sentiment":"positive","sentiment_score":0.5388336181640625},{"word":"outperform","start":1417.585,"end":1418.085,"confidence":0.987145,"punctuated_word":"outperform","sentiment":"positive","sentiment_score":0.43875476717948914},{"word":"the","start":1418.1449,"end":1418.3049,"confidence":0.9923288,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4658486247062683},{"word":"market","start":1418.3049,"end":1418.8049,"confidence":0.97553396,"punctuated_word":"market,","sentiment":"positive","sentiment_score":0.4481029808521271},{"word":"which","start":1419.6649,"end":1419.985,"confidence":0.99908483,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4267369210720062},{"word":"they","start":1419.985,"end":1420.1449,"confidence":0.9985207,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.4856209456920624},{"word":"had","start":1420.1449,"end":1420.3049,"confidence":0.99698037,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.40460050106048584},{"word":"done","start":1420.3049,"end":1420.625,"confidence":0.99947983,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.535253643989563},{"word":"really","start":1420.625,"end":1420.985,"confidence":0.84744745,"punctuated_word":"really,","sentiment":"positive","sentiment_score":0.6361202597618103},{"word":"really","start":1421.345,"end":1421.6649,"confidence":0.99928135,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6665168404579163},{"word":"well","start":1421.6649,"end":1421.9049,"confidence":0.99729496,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.6130108833312988},{"word":"at","start":1421.9049,"end":1422.065,"confidence":0.8753514,"punctuated_word":"at.","sentiment":"positive","sentiment_score":0.46252572536468506},{"word":"but","start":1422.065,"end":1422.3849,"confidence":0.9973326,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.07190942764282227},{"word":"more","start":1422.3849,"end":1422.625,"confidence":0.97567296,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.22480830550193787},{"word":"recently","start":1422.625,"end":1423.125,"confidence":0.99870574,"punctuated_word":"recently,","sentiment":"neutral","sentiment_score":-0.21174046397209167},{"word":"some","start":1423.6901,"end":1423.85,"confidence":0.9992111,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.27652448415756226},{"word":"of","start":1423.85,"end":1423.93,"confidence":0.99946636,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3479650914669037},{"word":"their","start":1423.93,"end":1424.43,"confidence":0.6875248,"punctuated_word":"their,","sentiment":"negative","sentiment_score":-0.3852601945400238},{"word":"choices","start":1425.29,"end":1425.79,"confidence":0.5681306,"punctuated_word":"choices","sentiment":"negative","sentiment_score":-0.44681304693222046},{"word":"in","start":1425.85,"end":1426.0901,"confidence":0.9920019,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3793217837810517},{"word":"the","start":1426.0901,"end":1426.3301,"confidence":0.8541793,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3386482298374176},{"word":"investments","start":1426.3301,"end":1426.8301,"confidence":0.93698955,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.22455722093582153},{"word":"haven't","start":1426.89,"end":1427.2101,"confidence":0.9966501,"punctuated_word":"haven't","sentiment":"negative","sentiment_score":-0.3606862723827362},{"word":"performed","start":1427.2101,"end":1427.7101,"confidence":0.9983713,"punctuated_word":"performed","sentiment":"neutral","sentiment_score":-0.28957152366638184},{"word":"as","start":1427.77,"end":1428.01,"confidence":0.99854267,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.3350670039653778},{"word":"well","start":1428.01,"end":1428.3301,"confidence":0.9987842,"punctuated_word":"well.","sentiment":"negative","sentiment_score":-0.3590303063392639},{"word":"they've","start":1428.3301,"end":1428.49,"confidence":0.99851537,"punctuated_word":"They've","sentiment":"negative","sentiment_score":-0.4972568452358246},{"word":"been","start":1428.49,"end":1428.65,"confidence":0.9986993,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.4856944680213928},{"word":"a","start":1428.65,"end":1428.73,"confidence":0.99523526,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4939321279525757},{"word":"little","start":1428.73,"end":1428.89,"confidence":0.99936587,"punctuated_word":"little","sentiment":"negative","sentiment_score":-0.48870015144348145},{"word":"bit","start":1428.89,"end":1429.13,"confidence":0.9975921,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.5318249464035034},{"word":"slower","start":1429.13,"end":1429.53,"confidence":0.9992861,"punctuated_word":"slower","sentiment":"negative","sentiment_score":-0.6282322406768799},{"word":"with","start":1429.53,"end":1429.77,"confidence":0.9935142,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.6761611700057983},{"word":"making","start":1429.77,"end":1430.27,"confidence":0.9973586,"punctuated_word":"making","sentiment":"negative","sentiment_score":-0.6729342937469482},{"word":"changes","start":1430.3301,"end":1430.8301,"confidence":0.9959194,"punctuated_word":"changes","sentiment":"negative","sentiment_score":-0.6150667667388916},{"word":"as","start":1430.97,"end":1431.05,"confidence":0.9911369,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.5742295384407043},{"word":"well","start":1431.05,"end":1431.55,"confidence":0.9675746,"punctuated_word":"well.","sentiment":"negative","sentiment_score":-0.5244789719581604},{"word":"and","start":1432.17,"end":1432.3301,"confidence":0.8015298,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.2362360954284668},{"word":"also","start":1432.3301,"end":1432.65,"confidence":0.99895906,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":-0.20989710092544556},{"word":"one","start":1432.65,"end":1432.81,"confidence":0.9822986,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.2515000104904175},{"word":"of","start":1432.81,"end":1432.97,"confidence":0.9689686,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.27138328552246094},{"word":"the","start":1432.97,"end":1433.05,"confidence":0.9829128,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25151196122169495},{"word":"other","start":1433.05,"end":1433.37,"confidence":0.9948913,"punctuated_word":"other","sentiment":"negative","sentiment_score":-0.34182751178741455},{"word":"reasons","start":1433.37,"end":1433.85,"confidence":0.990511,"punctuated_word":"reasons","sentiment":"neutral","sentiment_score":-0.2949286997318268},{"word":"why","start":1433.85,"end":1434.3301,"confidence":0.93364364,"punctuated_word":"why,","sentiment":"neutral","sentiment_score":-0.31060847640037537},{"word":"that","start":1434.3567,"end":1434.3834,"confidence":0.82488424,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.36925646662712097},{"word":"investment","start":1434.3834,"end":1434.41,"confidence":0.7225939,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.39892804622650146},{"word":"kind","start":1434.41,"end":1434.4368,"confidence":0.5899485,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.4341285228729248},{"word":"of","start":1434.4368,"end":1434.4634,"confidence":0.6525993,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4263542890548706},{"word":"underperformed","start":1434.4634,"end":1434.49,"confidence":0.8954446,"punctuated_word":"underperformed","sentiment":"negative","sentiment_score":-0.42545613646507263},{"word":"a","start":1434.49,"end":1434.5167,"confidence":0.80542517,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.39657488465309143},{"word":"little","start":1434.5167,"end":1434.5433,"confidence":0.67799664,"punctuated_word":"little","sentiment":"negative","sentiment_score":-0.3618614673614502},{"word":"bit","start":1434.5433,"end":1434.5701,"confidence":0.74444866,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.40047281980514526},{"word":"was","start":1434.5701,"end":1434.5967,"confidence":0.8362704,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.35191550850868225},{"word":"that","start":1434.5967,"end":1434.6234,"confidence":0.79576033,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.24670542776584625},{"word":"one","start":1434.6234,"end":1434.65,"confidence":0.6284818,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.3933434784412384},{"word":"of","start":1434.65,"end":1434.9,"confidence":0.7877992,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3771020174026489},{"word":"the","start":1434.9,"end":1435.4,"confidence":0.8627049,"punctuated_word":"the,","sentiment":"negative","sentiment_score":-0.35872983932495117},{"word":"kind","start":1435.785,"end":1436.025,"confidence":0.9633173,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.39915668964385986},{"word":"of","start":1436.025,"end":1436.185,"confidence":0.9995696,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3979003131389618},{"word":"underperformed","start":1436.185,"end":1436.685,"confidence":0.9911379,"punctuated_word":"underperformed","sentiment":"negative","sentiment_score":-0.4079107642173767},{"word":"a","start":1437.0651,"end":1437.2251,"confidence":0.9997216,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4364919662475586},{"word":"little","start":1437.2251,"end":1437.4651,"confidence":0.99988747,"punctuated_word":"little","sentiment":"negative","sentiment_score":-0.35660627484321594},{"word":"bit","start":1437.4651,"end":1437.7051,"confidence":0.9997383,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3886051177978515},{"word":"was","start":1437.7051,"end":1437.9451,"confidence":0.9949917,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.3922827243804931},{"word":"that","start":1437.9451,"end":1438.265,"confidence":0.9995048,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2580622136592865},{"word":"one","start":1438.265,"end":1438.425,"confidence":0.9956383,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.3281680643558502},{"word":"of","start":1438.425,"end":1438.925,"confidence":0.99938095,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.22921831905841827},{"word":"the","start":1439.385,"end":1439.545,"confidence":0.9951715,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.282144159078598},{"word":"companies","start":1439.545,"end":1440.025,"confidence":0.966509,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":-0.24097195267677307},{"word":"that","start":1440.025,"end":1440.185,"confidence":0.9994209,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2135147750377655},{"word":"they","start":1440.185,"end":1440.425,"confidence":0.99919695,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2588069438934326},{"word":"had","start":1440.425,"end":1440.745,"confidence":0.94305617,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.24737589061260223},{"word":"in","start":1440.745,"end":1441.0651,"confidence":0.9797769,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.17047861218452454},{"word":"their","start":1441.0651,"end":1441.4651,"confidence":0.97950715,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.2758006453514099},{"word":"portfolio","start":1441.4651,"end":1441.9651,"confidence":0.9988387,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.17188166081905365},{"word":"was","start":1442.5851,"end":1442.8251,"confidence":0.988042,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.201523557305336},{"word":"the","start":1442.8251,"end":1442.985,"confidence":0.9836283,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23053936660289764},{"word":"corporate","start":1442.985,"end":1443.485,"confidence":0.6014822,"punctuated_word":"Corporate","sentiment":"neutral","sentiment_score":-0.18631651997566223},{"word":"travel","start":1443.7051,"end":1444.185,"confidence":0.99703836,"punctuated_word":"Travel","sentiment":"neutral","sentiment_score":-0.25566649436950684},{"word":"group","start":1444.185,"end":1444.665,"confidence":0.99578315,"punctuated_word":"Group.","sentiment":"neutral","sentiment_score":-0.15631988644599917},{"word":"i'm","start":1444.665,"end":1444.8251,"confidence":0.99793804,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.18126389384269712},{"word":"not","start":1444.8251,"end":1444.985,"confidence":0.99992836,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1773911565542221},{"word":"sure","start":1444.985,"end":1445.305,"confidence":0.99986506,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.13552969694137573},{"word":"if","start":1445.305,"end":1445.545,"confidence":0.9991849,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.12667512893676758},{"word":"you've","start":1445.545,"end":1445.865,"confidence":0.9955806,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.13785116374492645},{"word":"heard","start":1445.865,"end":1446.1051,"confidence":0.99864215,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":-0.12475422769784927},{"word":"of","start":1446.1051,"end":1446.265,"confidence":0.9976432,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16691556572914124},{"word":"it","start":1446.265,"end":1446.745,"confidence":0.79584026,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1663532257080078},{"word":"it","start":1446.745,"end":1446.905,"confidence":0.98369884,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.1309361606836319},{"word":"was","start":1446.905,"end":1447.145,"confidence":0.9986349,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10358862578868866},{"word":"on","start":1447.145,"end":1447.305,"confidence":0.9930623,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1129334196448326},{"word":"the","start":1447.305,"end":1447.385,"confidence":0.9997315,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12053801119327544},{"word":"news","start":1447.385,"end":1447.7051,"confidence":0.99975234,"punctuated_word":"news","sentiment":"neutral","sentiment_score":-0.12118175625801086},{"word":"and","start":1447.7051,"end":1447.865,"confidence":0.9988262,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1719864308834076},{"word":"stuff","start":1447.865,"end":1448.1051,"confidence":0.9998567,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.13476458191871643},{"word":"like","start":1448.1051,"end":1448.265,"confidence":0.9994184,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.14933940768241882},{"word":"that","start":1448.265,"end":1448.505,"confidence":0.9998117,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15861386060714722},{"word":"as","start":1448.505,"end":1448.745,"confidence":0.9997764,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1937961578369141},{"word":"well","start":1448.745,"end":1449.245,"confidence":0.9831635,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.16866175830364227},{"word":"corporate","start":1451.25,"end":1451.75,"confidence":0.7614577,"punctuated_word":"Corporate","sentiment":"neutral","sentiment_score":-0.07653603702783585},{"word":"travel","start":1451.97,"end":1452.37,"confidence":0.7481797,"punctuated_word":"Travel","sentiment":"neutral","sentiment_score":-0.09997927397489548},{"word":"group","start":1452.37,"end":1452.87,"confidence":0.9391929,"punctuated_word":"Group.","sentiment":"neutral","sentiment_score":-0.0948382318019867},{"word":"no","start":1454.85,"end":1455.35,"confidence":0.9972707,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23914778232574463},{"word":"essentially","start":1456.2899,"end":1456.7899,"confidence":0.9849087,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":-0.17346930503845215},{"word":"it","start":1456.85,"end":1457.01,"confidence":0.9997662,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19610293209552765},{"word":"was","start":1457.01,"end":1457.25,"confidence":0.99989057,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1851157695055008},{"word":"a","start":1457.25,"end":1457.4099,"confidence":0.99763286,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21507149934768677},{"word":"company","start":1457.4099,"end":1457.9099,"confidence":0.9999403,"punctuated_word":"company","sentiment":"neutral","sentiment_score":-0.23823721706867215},{"word":"where","start":1457.97,"end":1458.47,"confidence":0.99695957,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.19529671967029572},{"word":"they","start":1459.33,"end":1459.83,"confidence":0.98501253,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2332175225019455},{"word":"weren't","start":1460.0499,"end":1460.45,"confidence":0.9994577,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":-0.3099486827850342},{"word":"really","start":1460.45,"end":1460.7699,"confidence":0.9999074,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.29348036646842957},{"word":"disclosing","start":1460.7699,"end":1461.2699,"confidence":0.9996971,"punctuated_word":"disclosing","sentiment":"neutral","sentiment_score":-0.290528804063797},{"word":"their","start":1461.49,"end":1461.73,"confidence":0.9990513,"punctuated_word":"their","sentiment":"negative","sentiment_score":-0.3367439806461334},{"word":"reporting","start":1461.73,"end":1462.23,"confidence":0.9995503,"punctuated_word":"reporting","sentiment":"negative","sentiment_score":-0.3513857126235962},{"word":"correctly","start":1462.61,"end":1463.11,"confidence":0.977863,"punctuated_word":"correctly.","sentiment":"neutral","sentiment_score":-0.31224989891052246},{"word":"so","start":1463.955,"end":1464.275,"confidence":0.9259481,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.272289901971817},{"word":"because","start":1464.275,"end":1464.595,"confidence":0.9976109,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.26241621375083923},{"word":"of","start":1464.595,"end":1464.6749,"confidence":0.9998791,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.30521702766418457},{"word":"that","start":1464.6749,"end":1464.995,"confidence":0.9961003,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.311049222946167},{"word":"it","start":1464.995,"end":1465.155,"confidence":0.99044853,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3962261378765106},{"word":"actually","start":1465.155,"end":1465.5549,"confidence":0.998451,"punctuated_word":"actually","sentiment":"negative","sentiment_score":-0.40849998593330383},{"word":"caused","start":1465.5549,"end":1466.0549,"confidence":0.98386294,"punctuated_word":"caused","sentiment":"negative","sentiment_score":-0.41906142234802246},{"word":"a","start":1466.115,"end":1466.4349,"confidence":0.9825439,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.47269371151924133},{"word":"suspense","start":1466.4349,"end":1466.9349,"confidence":0.9881214,"punctuated_word":"suspense","sentiment":"negative","sentiment_score":-0.5439571738243103},{"word":"from","start":1467.315,"end":1467.5549,"confidence":0.9993895,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.5535449385643005},{"word":"trading","start":1467.5549,"end":1468.0549,"confidence":0.88446856,"punctuated_word":"trading.","sentiment":"negative","sentiment_score":-0.49881380796432495},{"word":"and","start":1468.595,"end":1468.835,"confidence":0.96644485,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.30247023701667786},{"word":"kind","start":1468.835,"end":1468.995,"confidence":0.81955546,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.3623172044754028},{"word":"of","start":1468.995,"end":1469.155,"confidence":0.9991866,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.289243221282959},{"word":"because","start":1469.155,"end":1469.475,"confidence":0.98334527,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2937939167022705},{"word":"of","start":1469.475,"end":1469.5549,"confidence":0.99958354,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.28058910369873047},{"word":"that","start":1469.5549,"end":1469.715,"confidence":0.9949522,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.28221020102500916},{"word":"obviously","start":1469.715,"end":1470.215,"confidence":0.99852145,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.2996424436569214},{"word":"the","start":1470.275,"end":1470.595,"confidence":0.8977944,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.36017632484436035},{"word":"the","start":1470.595,"end":1470.835,"confidence":0.9923449,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.421618789434433},{"word":"investments","start":1470.835,"end":1471.335,"confidence":0.69473535,"punctuated_word":"investments","sentiment":"negative","sentiment_score":-0.4487062394618988},{"word":"fell","start":1471.475,"end":1471.975,"confidence":0.9886961,"punctuated_word":"fell.","sentiment":"negative","sentiment_score":-0.37945616245269775},{"word":"now","start":1472.035,"end":1472.275,"confidence":0.9990068,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.1547529548406601},{"word":"we've","start":1472.275,"end":1472.595,"confidence":0.9966159,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.0743577629327774},{"word":"done","start":1472.595,"end":1472.835,"confidence":0.9998541,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.04866602271795273},{"word":"a","start":1472.835,"end":1472.9149,"confidence":0.999746,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07477102428674698},{"word":"lot","start":1472.9149,"end":1473.155,"confidence":0.9999076,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.07936915010213852},{"word":"of","start":1473.155,"end":1473.655,"confidence":0.99981326,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07566060870885849},{"word":"investments","start":1473.875,"end":1474.375,"confidence":0.929121,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.040537379682064056},{"word":"on","start":1474.755,"end":1474.995,"confidence":0.9989531,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07264789938926697},{"word":"all","start":1474.995,"end":1475.155,"confidence":0.9885958,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07589834183454514},{"word":"your","start":1475.155,"end":1475.395,"confidence":0.9970317,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.034583576023578644},{"word":"investments","start":1475.395,"end":1475.875,"confidence":0.9442235,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.030749987810850143},{"word":"and","start":1475.875,"end":1476.115,"confidence":0.9993968,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02117099426686764},{"word":"some","start":1476.115,"end":1476.4349,"confidence":0.9999001,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.011494316160678864},{"word":"of","start":1476.4349,"end":1476.515,"confidence":0.9997875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014978911727666857},{"word":"them","start":1476.515,"end":1476.835,"confidence":0.99990046,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.006246097385883331},{"word":"are","start":1476.835,"end":1476.995,"confidence":0.9995926,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.010434776544570925},{"word":"more","start":1476.995,"end":1477.315,"confidence":0.99956685,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.004941798746585846},{"word":"your","start":1477.315,"end":1477.475,"confidence":0.9583486,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01038426160812378},{"word":"cyclical","start":1477.475,"end":1477.975,"confidence":0.9992974,"punctuated_word":"cyclical","sentiment":"neutral","sentiment_score":0.0060605681501328945},{"word":"changes","start":1478.115,"end":1478.615,"confidence":0.99795014,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.003606148064136505},{"word":"where","start":1479.2999,"end":1479.5399,"confidence":0.4739152,"punctuated_word":"Where","sentiment":"neutral","sentiment_score":-0.029002636671066284},{"word":"it's","start":1479.5399,"end":1479.7799,"confidence":0.9142954,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":-0.023535102605819706},{"word":"for","start":1479.7799,"end":1479.94,"confidence":0.9998832,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04369474947452545},{"word":"example","start":1479.94,"end":1480.44,"confidence":0.9982364,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.007780442014336586},{"word":"the","start":1480.82,"end":1481.0599,"confidence":0.96133256,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05200549215078354},{"word":"beta","start":1481.0599,"end":1481.38,"confidence":0.5778942,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.04198078811168671},{"word":"share","start":1481.38,"end":1481.7,"confidence":0.6433367,"punctuated_word":"share","sentiment":"neutral","sentiment_score":0.025408104062080383},{"word":"cybersecurity","start":1481.7,"end":1482.2,"confidence":0.8682182,"punctuated_word":"cybersecurity,","sentiment":"neutral","sentiment_score":0.002192676067352295},{"word":"which","start":1483.38,"end":1483.62,"confidence":0.99303037,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.006407812237739563},{"word":"is","start":1483.62,"end":1483.7799,"confidence":0.99978083,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01880166307091713},{"word":"one","start":1483.7799,"end":1484.0199,"confidence":0.9998369,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.02174297720193863},{"word":"of","start":1484.0199,"end":1484.1,"confidence":0.99962556,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02015151083469391},{"word":"your","start":1484.1,"end":1484.2599,"confidence":0.9992119,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.018250219523906708},{"word":"satellite","start":1484.2599,"end":1484.74,"confidence":0.99785703,"punctuated_word":"satellite","sentiment":"neutral","sentiment_score":0.037608563899993896},{"word":"investments","start":1484.74,"end":1485.24,"confidence":0.8284217,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.008354099467396736},{"word":"it's","start":1485.2999,"end":1485.5399,"confidence":0.9933878,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04451014846563339},{"word":"more","start":1485.5399,"end":1485.7,"confidence":0.6355125,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.005595162510871887},{"word":"of","start":1485.7,"end":1485.94,"confidence":0.49255994,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.020657427608966827},{"word":"what","start":1485.94,"end":1486.1,"confidence":0.98652947,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0012986063957214355},{"word":"is","start":1486.1,"end":1486.2599,"confidence":0.99820447,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01799338310956955},{"word":"going","start":1486.2599,"end":1486.58,"confidence":0.9998516,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.04495226591825485},{"word":"on","start":1486.58,"end":1486.74,"confidence":0.9985416,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.032330140471458435},{"word":"in","start":1486.74,"end":1486.82,"confidence":0.9987997,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.038245223462581635},{"word":"the","start":1486.82,"end":1486.98,"confidence":0.9997371,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02157384157180786},{"word":"world","start":1486.98,"end":1487.22,"confidence":0.9944479,"punctuated_word":"world.","sentiment":"neutral","sentiment_score":-0.0017939545214176178},{"word":"we","start":1487.22,"end":1487.38,"confidence":0.99963856,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.04608432203531265},{"word":"still","start":1487.38,"end":1487.62,"confidence":0.9206047,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.08578447997570038},{"word":"very","start":1487.62,"end":1487.86,"confidence":0.9993636,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.10967694222927094},{"word":"much","start":1487.86,"end":1488.1,"confidence":0.99992275,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1408073604106903},{"word":"believe","start":1488.1,"end":1488.5,"confidence":0.99704796,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.03781628608703613},{"word":"in","start":1488.5,"end":1488.6599,"confidence":0.9994603,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09927915781736374},{"word":"that","start":1488.6599,"end":1488.8999,"confidence":0.9994641,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10473913699388504},{"word":"investment","start":1488.8999,"end":1489.3999,"confidence":0.81734407,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.04560085758566856},{"word":"so","start":1489.46,"end":1489.5399,"confidence":0.7984753,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.05399513989686966},{"word":"we","start":1489.5399,"end":1489.7,"confidence":0.99779093,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03213587403297424},{"word":"then","start":1489.7,"end":1489.94,"confidence":0.82031196,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.014707759022712708},{"word":"don't","start":1489.94,"end":1490.1799,"confidence":0.98820966,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.09396609663963318},{"word":"wanna","start":1490.1799,"end":1490.5,"confidence":0.94336283,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.17784342169761658},{"word":"sell","start":1490.5,"end":1490.74,"confidence":0.98990846,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.24244777858257296},{"word":"out","start":1490.74,"end":1491.0599,"confidence":0.99770087,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.20841187238693237},{"word":"of","start":1491.0599,"end":1491.2999,"confidence":0.8514251,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07891552150249481},{"word":"those","start":1491.2999,"end":1491.705,"confidence":0.9936652,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":-0.05301062390208244},{"word":"but","start":1492.105,"end":1492.345,"confidence":0.99246615,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.11558648198843002},{"word":"the","start":1492.345,"end":1492.585,"confidence":0.42696974,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1722446084022522},{"word":"benelong","start":1492.585,"end":1492.985,"confidence":0.47132587,"punctuated_word":"Benelong","sentiment":"neutral","sentiment_score":-0.23800639808177948},{"word":"one","start":1492.985,"end":1493.3049,"confidence":0.9606782,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.2229227274656296},{"word":"we","start":1493.3049,"end":1493.465,"confidence":0.9996941,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2073139995336533},{"word":"do","start":1493.465,"end":1493.7849,"confidence":0.9998153,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.17340773344039917},{"word":"see","start":1493.7849,"end":1494.0249,"confidence":0.99887294,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.1982557773590088},{"word":"that","start":1494.0249,"end":1494.265,"confidence":0.99985266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.22846579551696777},{"word":"because","start":1494.265,"end":1494.505,"confidence":0.9470516,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.22306637465953827},{"word":"they're","start":1494.505,"end":1494.745,"confidence":0.8090873,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.3110136389732361},{"word":"a","start":1494.745,"end":1494.825,"confidence":0.85159403,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.32099562883377075},{"word":"bit","start":1494.825,"end":1494.985,"confidence":0.9691132,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.3113240599632263},{"word":"of","start":1494.985,"end":1495.065,"confidence":0.54812,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3534890115261078},{"word":"it","start":1495.065,"end":1495.225,"confidence":0.64363605,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4100712835788727},{"word":"slower","start":1495.225,"end":1495.625,"confidence":0.9982255,"punctuated_word":"slower","sentiment":"negative","sentiment_score":-0.3846898376941681},{"word":"in","start":1495.625,"end":1495.7849,"confidence":0.9972958,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.449062317609787},{"word":"making","start":1495.7849,"end":1496.105,"confidence":0.9996488,"punctuated_word":"making","sentiment":"negative","sentiment_score":-0.47013890743255615},{"word":"those","start":1496.105,"end":1496.4249,"confidence":0.99956506,"punctuated_word":"those","sentiment":"negative","sentiment_score":-0.38841384649276733},{"word":"changes","start":1496.4249,"end":1496.9249,"confidence":0.74791753,"punctuated_word":"changes,","sentiment":"negative","sentiment_score":-0.39407050609588623},{"word":"and","start":1497.705,"end":1498.0249,"confidence":0.999694,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4034590423107147},{"word":"because","start":1498.0249,"end":1498.505,"confidence":0.9971886,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.32381540536880493},{"word":"it","start":1498.505,"end":1498.6649,"confidence":0.98988044,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.361394077539444},{"word":"has","start":1498.6649,"end":1498.9049,"confidence":0.9985575,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.33598726987838745},{"word":"that","start":1498.9049,"end":1499.1449,"confidence":0.99818915,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2857039272785187},{"word":"active","start":1499.1449,"end":1499.625,"confidence":0.9994605,"punctuated_word":"active","sentiment":"neutral","sentiment_score":-0.28572559356689453},{"word":"component","start":1499.625,"end":1500.125,"confidence":0.8325013,"punctuated_word":"component,","sentiment":"neutral","sentiment_score":-0.29843348264694214},{"word":"they","start":1500.265,"end":1500.505,"confidence":0.9968695,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.41094645857810974},{"word":"are","start":1500.505,"end":1500.745,"confidence":0.99991095,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.4229685962200165},{"word":"a","start":1500.745,"end":1500.825,"confidence":0.99716836,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4794224500656128},{"word":"little","start":1500.825,"end":1501.065,"confidence":0.99990296,"punctuated_word":"little","sentiment":"negative","sentiment_score":-0.4270822405815125},{"word":"bit","start":1501.065,"end":1501.385,"confidence":0.9996779,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.5076678991317749},{"word":"more","start":1501.385,"end":1501.705,"confidence":0.99955255,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.546896755695343},{"word":"expensive","start":1501.705,"end":1502.205,"confidence":0.9965136,"punctuated_word":"expensive.","sentiment":"negative","sentiment_score":-0.4850414991378784},{"word":"so","start":1502.745,"end":1502.985,"confidence":0.99567956,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.17064696550369263},{"word":"the","start":1502.985,"end":1503.1449,"confidence":0.9995759,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19057029485702515},{"word":"investment","start":1503.1449,"end":1503.6449,"confidence":0.99745744,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.1130758598446846},{"word":"committee","start":1503.705,"end":1504.105,"confidence":0.99794096,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":-0.15219759941101074},{"word":"have","start":1504.105,"end":1504.265,"confidence":0.9922233,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.048336632549762726},{"word":"done","start":1504.265,"end":1504.585,"confidence":0.9997018,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.010506510734558104},{"word":"extensive","start":1504.585,"end":1505.085,"confidence":0.9997002,"punctuated_word":"extensive","sentiment":"neutral","sentiment_score":0.016043812036514282},{"word":"research","start":1505.225,"end":1505.625,"confidence":0.99910694,"punctuated_word":"research","sentiment":"neutral","sentiment_score":-0.02007266879081726},{"word":"on","start":1505.625,"end":1506.0249,"confidence":0.9998425,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0031129643321037292},{"word":"all","start":1506.0249,"end":1506.265,"confidence":0.9995722,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.012104742228984833},{"word":"the","start":1506.265,"end":1506.4249,"confidence":0.99923396,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.054160021245479584},{"word":"investments","start":1506.4249,"end":1506.9249,"confidence":0.928733,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.03945177048444748},{"word":"and","start":1507.1,"end":1507.26,"confidence":0.99982136,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.009124964475631714},{"word":"kind","start":1507.26,"end":1507.38,"confidence":0.9902469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.04979609698057175},{"word":"of","start":1507.38,"end":1507.5,"confidence":0.9995395,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.009343810379505156},{"word":"come","start":1507.5,"end":1507.8201,"confidence":0.999466,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.006164379417896271},{"word":"to","start":1507.8201,"end":1507.98,"confidence":0.99953926,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016526877880096436},{"word":"the","start":1507.98,"end":1508.14,"confidence":0.9990458,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04817420244216919},{"word":"decision","start":1508.14,"end":1508.62,"confidence":0.99967074,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":-0.038612253963947296},{"word":"as","start":1508.62,"end":1508.86,"confidence":0.99931955,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.00214993953704834},{"word":"well","start":1508.86,"end":1509.1,"confidence":0.99937445,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.011306047439575195},{"word":"that","start":1509.1,"end":1509.5801,"confidence":0.994495,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05227683484554291},{"word":"we","start":1509.5801,"end":1509.8201,"confidence":0.99826473,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08472850918769836},{"word":"would","start":1509.8201,"end":1510.06,"confidence":0.99995613,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.10097991675138474},{"word":"like","start":1510.06,"end":1510.38,"confidence":0.9993807,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.11366274207830428},{"word":"to","start":1510.38,"end":1510.86,"confidence":0.97172034,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1524309366941452},{"word":"swap","start":1510.86,"end":1511.18,"confidence":0.9928665,"punctuated_word":"swap","sentiment":"neutral","sentiment_score":-0.1118236929178238},{"word":"it","start":1511.18,"end":1511.34,"confidence":0.9993937,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19170106947422028},{"word":"out","start":1511.34,"end":1511.5801,"confidence":0.99986124,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.11563986539840698},{"word":"because","start":1511.5801,"end":1511.9,"confidence":0.8561006,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.13310065865516665},{"word":"we","start":1511.9,"end":1512.06,"confidence":0.99927145,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1654886156320572},{"word":"don't","start":1512.06,"end":1512.3,"confidence":0.99802214,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2675205171108246},{"word":"foresee","start":1512.3,"end":1512.7001,"confidence":0.96307945,"punctuated_word":"foresee","sentiment":"neutral","sentiment_score":-0.30937060713768005},{"word":"kind","start":1512.7001,"end":1512.9401,"confidence":0.97778887,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.3851733803749085},{"word":"of","start":1512.9401,"end":1513.1,"confidence":0.99985886,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3796492218971253},{"word":"increasing","start":1513.1,"end":1513.6,"confidence":0.9979213,"punctuated_word":"increasing","sentiment":"negative","sentiment_score":-0.34978851675987244},{"word":"as","start":1513.66,"end":1513.9,"confidence":0.998642,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.3414587676525116},{"word":"much","start":1513.9,"end":1514.3,"confidence":0.99990964,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.2713790833950043},{"word":"or","start":1514.3,"end":1514.54,"confidence":0.448176,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.3281988203525543},{"word":"be","start":1514.54,"end":1514.7001,"confidence":0.99447244,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.25267940759658813},{"word":"the","start":1514.7001,"end":1514.86,"confidence":0.9380387,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24967575073242188},{"word":"best","start":1514.86,"end":1515.1,"confidence":0.9996784,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.21494385600090027},{"word":"option","start":1515.1,"end":1515.6,"confidence":0.9998597,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.19688522815704343},{"word":"moving","start":1515.66,"end":1515.98,"confidence":0.9902378,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":-0.1429600864648819},{"word":"forward","start":1515.98,"end":1516.48,"confidence":0.9986066,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":-0.07983703911304474},{"word":"so","start":1517.26,"end":1517.76,"confidence":0.9881444,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0054963454604148865},{"word":"because","start":1517.9,"end":1518.22,"confidence":0.89473253,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06885360926389694},{"word":"you","start":1518.22,"end":1518.38,"confidence":0.9993223,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14542248845100403},{"word":"are","start":1518.38,"end":1518.54,"confidence":0.74381137,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.23623201251029968},{"word":"obviously","start":1518.54,"end":1519.02,"confidence":0.96630335,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.22314095497131348},{"word":"selling","start":1519.02,"end":1519.34,"confidence":0.9961934,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.26623982191085815},{"word":"out","start":1519.34,"end":1519.5801,"confidence":0.9997924,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.3368944525718689},{"word":"of","start":1519.5801,"end":1519.66,"confidence":0.9990972,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3316006064414978},{"word":"an","start":1519.66,"end":1519.98,"confidence":0.9993585,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.2927325367927551},{"word":"australian","start":1519.98,"end":1520.48,"confidence":0.99949276,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.20619502663612368},{"word":"investment","start":1520.7001,"end":1521.2001,"confidence":0.9967656,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":-0.20267537236213684},{"word":"we","start":1522.7151,"end":1522.875,"confidence":0.98825294,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15796810388565063},{"word":"have","start":1522.875,"end":1523.115,"confidence":0.9999238,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1544585078954697},{"word":"come","start":1523.115,"end":1523.275,"confidence":0.999936,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.15313267707824707},{"word":"up","start":1523.275,"end":1523.435,"confidence":0.99989915,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.10007183998823166},{"word":"with","start":1523.435,"end":1523.755,"confidence":0.99953544,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.12306633591651917},{"word":"another","start":1523.755,"end":1524.255,"confidence":0.99935,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.1476377695798874},{"word":"investment","start":1524.635,"end":1525.135,"confidence":0.939048,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.06752119213342667},{"word":"option","start":1525.355,"end":1525.8351,"confidence":0.9973556,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.0695260688662529},{"word":"to","start":1525.8351,"end":1525.995,"confidence":0.9995363,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07536676526069641},{"word":"change","start":1525.995,"end":1526.3151,"confidence":0.99988306,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.07877877354621887},{"word":"it","start":1526.3151,"end":1526.555,"confidence":0.9987406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06667637825012207},{"word":"for","start":1526.555,"end":1527.055,"confidence":0.95767736,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.04000081494450569},{"word":"which","start":1527.1951,"end":1527.435,"confidence":0.99987733,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.00385332852602005},{"word":"is","start":1527.435,"end":1527.755,"confidence":0.99978966,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.007084012031555176},{"word":"your","start":1527.755,"end":1528.255,"confidence":0.954704,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.006164520978927612},{"word":"a","start":1528.395,"end":1528.7151,"confidence":0.87499785,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01860034093260765},{"word":"200","start":1528.7151,"end":1529.4551,"confidence":0.99887687,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":-0.07022178173065186},{"word":"so","start":1529.515,"end":1529.755,"confidence":0.94226736,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.06740573048591614},{"word":"again","start":1529.755,"end":1530.0751,"confidence":0.99994123,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.07727625966072083},{"word":"it","start":1530.0751,"end":1530.235,"confidence":0.9998294,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08206827938556671},{"word":"is","start":1530.235,"end":1530.475,"confidence":0.99982077,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07510697841644287},{"word":"including","start":1530.475,"end":1530.975,"confidence":0.9987196,"punctuated_word":"including","sentiment":"neutral","sentiment_score":0.11370576173067092},{"word":"your","start":1531.035,"end":1531.355,"confidence":0.98393905,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09750960022211076},{"word":"australian","start":1531.355,"end":1531.855,"confidence":0.9995497,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.13666009902954102},{"word":"investment","start":1531.915,"end":1532.415,"confidence":0.96480453,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.06496895104646683},{"word":"but","start":1532.7151,"end":1532.9551,"confidence":0.9995091,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07261423021554947},{"word":"it","start":1532.9551,"end":1533.035,"confidence":0.99972457,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08371197432279587},{"word":"is","start":1533.035,"end":1533.1951,"confidence":0.9995983,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07876217365264893},{"word":"a","start":1533.1951,"end":1533.355,"confidence":0.99950314,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09233899414539336},{"word":"little","start":1533.355,"end":1533.595,"confidence":0.99991345,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04437057673931122},{"word":"bit","start":1533.595,"end":1533.755,"confidence":0.9700776,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.044712815433740616},{"word":"more","start":1533.755,"end":1534.0751,"confidence":0.99972194,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06473281979560852},{"word":"simplified","start":1534.0751,"end":1534.5751,"confidence":0.9992642,"punctuated_word":"simplified","sentiment":"neutral","sentiment_score":0.10452388226985931},{"word":"in","start":1534.635,"end":1534.7151,"confidence":0.9125711,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07411903887987137},{"word":"that","start":1534.7151,"end":1534.875,"confidence":0.9989151,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05919510126113891},{"word":"you","start":1534.875,"end":1535.035,"confidence":0.97596085,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07671350985765457},{"word":"are","start":1535.035,"end":1535.1951,"confidence":0.9995782,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.063259556889534},{"word":"not","start":1535.1951,"end":1535.435,"confidence":0.9992493,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.048776667565107346},{"word":"actively","start":1535.435,"end":1535.935,"confidence":0.9995388,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.059184785932302475},{"word":"trying","start":1535.995,"end":1536.235,"confidence":0.9994173,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.06338634341955185},{"word":"to","start":1536.235,"end":1536.475,"confidence":0.9993717,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04451490193605423},{"word":"buy","start":1536.475,"end":1536.7151,"confidence":0.9964277,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.049109745770692825},{"word":"and","start":1536.7151,"end":1536.9551,"confidence":0.9985343,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014494746923446655},{"word":"sell","start":1536.9551,"end":1537.275,"confidence":0.99943095,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.02490631490945816},{"word":"investments","start":1537.275,"end":1537.775,"confidence":0.5480766,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.02932649664580822},{"word":"and","start":1538.21,"end":1538.45,"confidence":0.9994729,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08073218166828156},{"word":"instead","start":1538.45,"end":1538.85,"confidence":0.750262,"punctuated_word":"instead,","sentiment":"neutral","sentiment_score":0.07699400931596756},{"word":"you're","start":1538.85,"end":1539.09,"confidence":0.99637884,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.10222020745277403},{"word":"kind","start":1539.09,"end":1539.33,"confidence":0.99519944,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1176106333732605},{"word":"of","start":1539.33,"end":1539.49,"confidence":0.99985015,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09028948843479156},{"word":"tracking","start":1539.49,"end":1539.99,"confidence":0.99865365,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.09901762753725052},{"word":"the","start":1540.05,"end":1540.29,"confidence":0.9974202,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1002727597951889},{"word":"200","start":1540.29,"end":1540.93,"confidence":0.9915409,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.13549228012561798},{"word":"largest","start":1540.93,"end":1541.33,"confidence":0.9993592,"punctuated_word":"largest","sentiment":"neutral","sentiment_score":0.13214260339736938},{"word":"companies","start":1541.33,"end":1541.83,"confidence":0.999694,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.1073962226510048},{"word":"on","start":1542.21,"end":1542.37,"confidence":0.75850385,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10753359645605089},{"word":"the","start":1542.37,"end":1542.61,"confidence":0.99952495,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09935885667800903},{"word":"asx","start":1542.61,"end":1543.09,"confidence":0.99492383,"punctuated_word":"ASX","sentiment":"neutral","sentiment_score":0.12045983970165253},{"word":"or","start":1543.09,"end":1543.25,"confidence":0.36135423,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08134430646896362},{"word":"in","start":1543.25,"end":1543.49,"confidence":0.9307876,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0904104709625244},{"word":"australia","start":1543.49,"end":1543.99,"confidence":0.9994159,"punctuated_word":"Australia.","sentiment":"neutral","sentiment_score":0.09420300275087357},{"word":"so","start":1544.37,"end":1544.61,"confidence":0.9892509,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12437082082033156},{"word":"as","start":1544.61,"end":1544.77,"confidence":0.9978387,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16278983652591705},{"word":"a","start":1544.77,"end":1544.93,"confidence":0.5592711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1780291646718979},{"word":"company","start":1544.93,"end":1545.41,"confidence":0.9999281,"punctuated_word":"company","sentiment":"neutral","sentiment_score":0.14363543689250946},{"word":"kind","start":1545.41,"end":1545.65,"confidence":0.9829653,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10510367155075072},{"word":"of","start":1545.65,"end":1545.73,"confidence":0.99975103,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14471274614334106},{"word":"grows","start":1545.73,"end":1546.13,"confidence":0.97400904,"punctuated_word":"grows,","sentiment":"neutral","sentiment_score":0.12945380806922913},{"word":"they","start":1546.13,"end":1546.29,"confidence":0.99850106,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.14511814713478088},{"word":"get","start":1546.29,"end":1546.45,"confidence":0.99916244,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13516558706760406},{"word":"included","start":1546.45,"end":1546.95,"confidence":0.9997023,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.12893445789813995},{"word":"on","start":1547.01,"end":1547.17,"confidence":0.99973446,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11596974730491638},{"word":"it","start":1547.17,"end":1547.67,"confidence":0.96599996,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.09664565324783324},{"word":"as","start":1547.73,"end":1547.97,"confidence":0.99923563,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.08507902920246124},{"word":"a","start":1547.97,"end":1548.13,"confidence":0.5114954,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05316236987709999},{"word":"company","start":1548.13,"end":1548.63,"confidence":0.999918,"punctuated_word":"company","sentiment":"neutral","sentiment_score":-0.0318140834569931},{"word":"doesn't","start":1549.73,"end":1550.13,"confidence":0.97024196,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.006778992712497711},{"word":"grow","start":1550.13,"end":1550.53,"confidence":0.9163616,"punctuated_word":"grow,","sentiment":"neutral","sentiment_score":-0.04237846285104752},{"word":"don't","start":1550.53,"end":1550.77,"confidence":0.9378532,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06458564847707748},{"word":"do","start":1550.77,"end":1550.93,"confidence":0.97374886,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07116153836250305},{"word":"as","start":1550.93,"end":1551.09,"confidence":0.9233862,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04735995829105377},{"word":"well","start":1551.09,"end":1551.25,"confidence":0.90693593,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.08002898097038269},{"word":"it","start":1551.25,"end":1551.41,"confidence":0.98347443,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10644923895597458},{"word":"kind","start":1551.41,"end":1551.57,"confidence":0.73120946,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.13261407613754272},{"word":"of","start":1551.57,"end":1551.73,"confidence":0.99841595,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14243529736995697},{"word":"falls","start":1551.73,"end":1552.05,"confidence":0.9909751,"punctuated_word":"falls","sentiment":"neutral","sentiment_score":-0.05711545795202255},{"word":"off","start":1552.05,"end":1552.455,"confidence":0.9938928,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.08802229911088943},{"word":"so","start":1552.5349,"end":1552.615,"confidence":0.987748,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08958654850721359},{"word":"it's","start":1552.615,"end":1552.855,"confidence":0.9990153,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2162361443042755},{"word":"kind","start":1552.855,"end":1552.895,"confidence":0.997437,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.16337989270687103},{"word":"of","start":1552.895,"end":1552.9349,"confidence":0.99926764,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26766806840896606},{"word":"a","start":1552.9349,"end":1553.095,"confidence":0.99952066,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.289783775806427},{"word":"little","start":1553.095,"end":1553.335,"confidence":0.99991405,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.19477933645248413},{"word":"bit","start":1553.335,"end":1553.575,"confidence":0.9997198,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.177259624004364},{"word":"more","start":1553.575,"end":1553.975,"confidence":0.9994777,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.19522356986999512},{"word":"steady","start":1553.975,"end":1554.475,"confidence":0.9996209,"punctuated_word":"steady","sentiment":"neutral","sentiment_score":0.24954231083393097},{"word":"while","start":1554.695,"end":1555.015,"confidence":0.5323167,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.1752803921699524},{"word":"still","start":1555.015,"end":1555.255,"confidence":0.99915457,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.3045777976512909},{"word":"having","start":1555.255,"end":1555.6549,"confidence":0.99982494,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.38162121176719666},{"word":"the","start":1555.6549,"end":1555.975,"confidence":0.99376255,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32488584518432617},{"word":"growth","start":1555.975,"end":1556.475,"confidence":0.95206904,"punctuated_word":"growth.","sentiment":"positive","sentiment_score":0.34318456053733826},{"word":"and","start":1557.015,"end":1557.495,"confidence":0.9991861,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3922143578529358},{"word":"because","start":1557.495,"end":1557.8949,"confidence":0.99591184,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.411198616027832},{"word":"of","start":1557.8949,"end":1557.975,"confidence":0.99985194,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5203052163124084},{"word":"that","start":1557.975,"end":1558.215,"confidence":0.9983971,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.48924320936203},{"word":"it","start":1558.215,"end":1558.455,"confidence":0.9996649,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6648942828178406},{"word":"is","start":1558.455,"end":1558.695,"confidence":0.9995765,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6405172944068909},{"word":"actually","start":1558.695,"end":1559.195,"confidence":0.99629045,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.6487065553665161},{"word":"making","start":1559.255,"end":1559.6549,"confidence":0.99979824,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.6647546291351318},{"word":"the","start":1559.6549,"end":1559.8949,"confidence":0.99953187,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7012213468551636},{"word":"investments","start":1559.8949,"end":1560.375,"confidence":0.8695387,"punctuated_word":"investments","sentiment":"positive","sentiment_score":0.5146561861038208},{"word":"a","start":1560.375,"end":1560.5349,"confidence":0.9997925,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6518771648406982},{"word":"little","start":1560.5349,"end":1560.7749,"confidence":0.99994147,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.504733681678772},{"word":"bit","start":1560.7749,"end":1561.015,"confidence":0.99946743,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4938110411167145},{"word":"cheaper","start":1561.015,"end":1561.4149,"confidence":0.9560324,"punctuated_word":"cheaper,","sentiment":"positive","sentiment_score":0.5876520276069641},{"word":"and","start":1561.4149,"end":1561.6549,"confidence":0.9995345,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5118102431297302},{"word":"it","start":1561.6549,"end":1561.735,"confidence":0.99834216,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.7360262274742126},{"word":"has","start":1561.735,"end":1561.975,"confidence":0.9997211,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6383287906646729},{"word":"also","start":1561.975,"end":1562.375,"confidence":0.9983791,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.6144636273384094},{"word":"performed","start":1562.375,"end":1562.875,"confidence":0.9983662,"punctuated_word":"performed","sentiment":"positive","sentiment_score":0.688557505607605},{"word":"a","start":1562.9349,"end":1563.015,"confidence":0.99969804,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.669100284576416},{"word":"little","start":1563.015,"end":1563.335,"confidence":0.99984145,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.4387778043746948},{"word":"bit","start":1563.335,"end":1563.575,"confidence":0.99973315,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4769301116466522},{"word":"better","start":1563.575,"end":1564.075,"confidence":0.9997772,"punctuated_word":"better.","sentiment":"positive","sentiment_score":0.4510536789894104},{"word":"are","start":1565.68,"end":1565.92,"confidence":0.9739223,"punctuated_word":"Are","sentiment":"positive","sentiment_score":0.4717884063720703},{"word":"you","start":1565.92,"end":1566.16,"confidence":0.9998167,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5990307331085205},{"word":"happy","start":1566.16,"end":1566.66,"confidence":0.99982494,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6212363243103027},{"word":"for","start":1566.96,"end":1567.2001,"confidence":0.9997009,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6973200440406799},{"word":"us","start":1567.2001,"end":1567.4401,"confidence":0.99994767,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.6757955551147461},{"word":"to","start":1567.4401,"end":1567.6,"confidence":0.9997148,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.673915445804596},{"word":"go","start":1567.6,"end":1567.84,"confidence":0.99989974,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.6928458213806152},{"word":"and","start":1567.84,"end":1568.0,"confidence":0.9970988,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6674352884292603},{"word":"make","start":1568.0,"end":1568.24,"confidence":0.99994326,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.7439587116241455},{"word":"that","start":1568.24,"end":1568.72,"confidence":0.99966884,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7569043040275574},{"word":"change","start":1568.72,"end":1569.22,"confidence":0.99558866,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.6921647191047668},{"word":"for","start":1569.4401,"end":1569.68,"confidence":0.9997738,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.562938392162323},{"word":"you","start":1569.68,"end":1570.18,"confidence":0.99957365,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.485385537147522},{"word":"yeah","start":1571.76,"end":1572.0,"confidence":0.9728576,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3002259135246277},{"word":"okay","start":1572.0,"end":1572.4,"confidence":0.9996003,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.23634697496891025},{"word":"so","start":1572.4,"end":1572.72,"confidence":0.9995672,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1849527657032013},{"word":"what","start":1572.72,"end":1572.96,"confidence":0.9987451,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.22258631885051727},{"word":"i","start":1572.96,"end":1573.04,"confidence":0.9999316,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2267601937055588},{"word":"will","start":1573.04,"end":1573.28,"confidence":0.9999609,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1923440396785736},{"word":"do","start":1573.28,"end":1573.52,"confidence":0.9998672,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23202107846736908},{"word":"just","start":1573.52,"end":1573.76,"confidence":0.7197013,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2253013700246811},{"word":"for","start":1573.76,"end":1574.0,"confidence":0.9984528,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1588364690542221},{"word":"your","start":1574.0,"end":1574.24,"confidence":0.9996877,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16443265974521637},{"word":"record","start":1574.24,"end":1574.72,"confidence":0.6637198,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.1754516065120697},{"word":"so","start":1574.72,"end":1574.8,"confidence":0.9756998,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2412810176610947},{"word":"that","start":1574.8,"end":1575.12,"confidence":0.997449,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24237263202667236},{"word":"you","start":1575.12,"end":1575.36,"confidence":0.9999174,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22963522374629977},{"word":"have","start":1575.36,"end":1575.52,"confidence":0.9995497,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2646981477737427},{"word":"it","start":1575.52,"end":1576.02,"confidence":0.97708666,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.22008174657821655},{"word":"i","start":1576.56,"end":1576.72,"confidence":0.8641394,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2532570958137512},{"word":"will","start":1576.72,"end":1576.96,"confidence":0.9996239,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.19767113029956815},{"word":"get","start":1576.96,"end":1577.2001,"confidence":0.99985695,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.20913109183311465},{"word":"the","start":1577.2001,"end":1577.36,"confidence":0.9996228,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21053378283977509},{"word":"team","start":1577.36,"end":1577.68,"confidence":0.99933136,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.22134369611740112},{"word":"to","start":1577.68,"end":1577.92,"confidence":0.99915683,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22502261400222776},{"word":"email","start":1577.92,"end":1578.4,"confidence":0.99984396,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.247429221868515},{"word":"you","start":1578.4,"end":1578.9,"confidence":0.88624597,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.19738975167274475},{"word":"it's","start":1578.96,"end":1579.2001,"confidence":0.9869913,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2158062905073166},{"word":"called","start":1579.2001,"end":1579.4401,"confidence":0.9955456,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.22016167640686035},{"word":"a","start":1579.4401,"end":1579.68,"confidence":0.9615986,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2445438802242279},{"word":"record","start":1579.68,"end":1580.18,"confidence":0.99590755,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.15863816440105438},{"word":"of","start":1580.24,"end":1580.64,"confidence":0.9994803,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2584439814090729},{"word":"advice","start":1580.64,"end":1581.14,"confidence":0.9943887,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.1956784725189209},{"word":"you","start":1581.375,"end":1581.535,"confidence":0.99981636,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.17645585536956787},{"word":"don't","start":1581.535,"end":1581.775,"confidence":0.999948,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.10839037597179411},{"word":"have","start":1581.775,"end":1581.855,"confidence":0.999846,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15360312163829803},{"word":"to","start":1581.855,"end":1582.095,"confidence":0.99944323,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12781183421611786},{"word":"sign","start":1582.095,"end":1582.415,"confidence":0.9969313,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.0679922103881836},{"word":"it","start":1582.415,"end":1582.575,"confidence":0.987056,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.17125359177589417},{"word":"it's","start":1582.575,"end":1582.735,"confidence":0.99964833,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.20245316624641416},{"word":"just","start":1582.735,"end":1582.975,"confidence":0.9998159,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19928622245788577},{"word":"for","start":1582.975,"end":1583.215,"confidence":0.9959623,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15611647069454193},{"word":"your","start":1583.215,"end":1583.535,"confidence":0.9995271,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20982716977596283},{"word":"records","start":1583.535,"end":1584.015,"confidence":0.9363136,"punctuated_word":"records","sentiment":"neutral","sentiment_score":0.1723010241985321},{"word":"to","start":1584.015,"end":1584.175,"confidence":0.99593264,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25248008966445923},{"word":"indicate","start":1584.175,"end":1584.675,"confidence":0.99976224,"punctuated_word":"indicate","sentiment":"neutral","sentiment_score":0.19805695116519928},{"word":"the","start":1585.535,"end":1585.855,"confidence":0.91137695,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26930996775627136},{"word":"the","start":1585.855,"end":1586.015,"confidence":0.89772296,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25951820611953735},{"word":"swap","start":1586.015,"end":1586.495,"confidence":0.94894284,"punctuated_word":"swap","sentiment":"neutral","sentiment_score":0.30640366673469543},{"word":"by","start":1586.495,"end":1586.735,"confidence":0.9631419,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2703682780265808},{"word":"benelung","start":1586.735,"end":1587.235,"confidence":0.64614624,"punctuated_word":"Benelung","sentiment":"neutral","sentiment_score":0.27116429805755615},{"word":"australian","start":1587.295,"end":1587.695,"confidence":0.9734849,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.3005102574825287},{"word":"equity","start":1587.695,"end":1588.095,"confidence":0.79311204,"punctuated_word":"Equity","sentiment":"positive","sentiment_score":0.3632265329360962},{"word":"to","start":1588.095,"end":1588.255,"confidence":0.8713533,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2618584930896759},{"word":"the","start":1588.255,"end":1588.415,"confidence":0.99873275,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2489062398672104},{"word":"a","start":1588.415,"end":1588.575,"confidence":0.7472176,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24169230461120603},{"word":"200","start":1588.575,"end":1589.135,"confidence":0.99792325,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.20140783488750455},{"word":"just","start":1589.135,"end":1589.375,"confidence":0.84249735,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26428139209747314},{"word":"so","start":1589.375,"end":1589.535,"confidence":0.9983026,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.29669374227523804},{"word":"you","start":1589.535,"end":1589.615,"confidence":0.9996979,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2838953137397766},{"word":"have","start":1589.615,"end":1589.855,"confidence":0.9994685,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3332568109035492},{"word":"it","start":1589.855,"end":1590.015,"confidence":0.9984118,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2737714350223541},{"word":"for","start":1590.015,"end":1590.255,"confidence":0.99941945,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18691030144691467},{"word":"your","start":1590.255,"end":1590.495,"confidence":0.99972326,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1769263595342636},{"word":"record","start":1590.495,"end":1590.995,"confidence":0.7857571,"punctuated_word":"record.","sentiment":"neutral","sentiment_score":0.16870994865894318},{"word":"and","start":1592.575,"end":1592.735,"confidence":0.7729286,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2061273008584976},{"word":"we'll","start":1592.735,"end":1592.975,"confidence":0.9975003,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.25340554118156433},{"word":"go","start":1592.975,"end":1593.135,"confidence":0.9999492,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.31632816791534424},{"word":"ahead","start":1593.135,"end":1593.375,"confidence":0.9999317,"punctuated_word":"ahead","sentiment":"positive","sentiment_score":0.3415187895298004},{"word":"and","start":1593.375,"end":1593.695,"confidence":0.999308,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.36000457406044006},{"word":"make","start":1593.695,"end":1593.935,"confidence":0.999775,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.3221206068992615},{"word":"that","start":1593.935,"end":1594.415,"confidence":0.9995216,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.34992146492004395},{"word":"change","start":1594.415,"end":1594.915,"confidence":0.9981655,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":0.23823073506355288},{"word":"now","start":1595.8401,"end":1596.16,"confidence":0.81221443,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.10230261087417604},{"word":"otherwise","start":1596.16,"end":1596.64,"confidence":0.99943006,"punctuated_word":"otherwise,","sentiment":"neutral","sentiment_score":0.10436248779296876},{"word":"when","start":1596.64,"end":1596.88,"confidence":0.99987745,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.10126347094774246},{"word":"it","start":1596.88,"end":1597.04,"confidence":0.9998617,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12795495986938477},{"word":"comes","start":1597.04,"end":1597.36,"confidence":0.9997451,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.09633518755435944},{"word":"through","start":1597.36,"end":1597.68,"confidence":0.56558824,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09513293206691742},{"word":"the","start":1597.68,"end":1598.0,"confidence":0.78623265,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12010376155376434},{"word":"documents","start":1598.0,"end":1598.5,"confidence":0.68736494,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":0.11129333078861237},{"word":"so","start":1598.56,"end":1598.88,"confidence":0.465839,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12816987931728363},{"word":"almost","start":1598.88,"end":1599.28,"confidence":0.53116065,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":0.16676166653633118},{"word":"finished","start":1599.28,"end":1599.78,"confidence":0.852525,"punctuated_word":"finished,","sentiment":"neutral","sentiment_score":0.19470983743667605},{"word":"you","start":1600.0801,"end":1600.24,"confidence":0.9649432,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1988711953163147},{"word":"will","start":1600.24,"end":1600.4,"confidence":0.99987566,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2003183662891388},{"word":"have","start":1600.4,"end":1600.64,"confidence":0.9999261,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1803651750087738},{"word":"a","start":1600.64,"end":1600.88,"confidence":0.99972814,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17197418212890625},{"word":"super","start":1600.88,"end":1601.2001,"confidence":0.94016224,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2081303596496582},{"word":"insurance","start":1601.2001,"end":1601.7001,"confidence":0.7635475,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.1561412662267685},{"word":"summary","start":1601.8401,"end":1602.3401,"confidence":0.7453548,"punctuated_word":"summary.","sentiment":"neutral","sentiment_score":0.1254553496837616},{"word":"that","start":1603.2001,"end":1603.6001,"confidence":0.2032111,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1825541704893112},{"word":"one","start":1603.6001,"end":1603.8401,"confidence":0.99090976,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.17300574481487274},{"word":"basically","start":1603.8401,"end":1604.3401,"confidence":0.9827503,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.10572373121976852},{"word":"shows","start":1604.4,"end":1604.7201,"confidence":0.9990621,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.09526773542165756},{"word":"you","start":1604.7201,"end":1605.04,"confidence":0.99783486,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1378261148929596},{"word":"your","start":1605.04,"end":1605.28,"confidence":0.9953772,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13245108723640442},{"word":"current","start":1605.28,"end":1605.76,"confidence":0.999114,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.16124297678470612},{"word":"superannuation","start":1605.76,"end":1606.26,"confidence":0.98045605,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.1491520255804062},{"word":"balance","start":1606.7201,"end":1607.2201,"confidence":0.9873899,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":0.10126127302646636},{"word":"so","start":1607.36,"end":1607.6001,"confidence":0.99827886,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12215481698513032},{"word":"at","start":1607.6001,"end":1607.76,"confidence":0.96249634,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10548415035009384},{"word":"the","start":1607.76,"end":1608.0,"confidence":0.99938107,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11596637964248656},{"word":"moment","start":1608.0,"end":1608.5,"confidence":0.9893172,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.09430252760648727},{"word":"it's","start":1608.855,"end":1609.095,"confidence":0.9942932,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0960419699549675},{"word":"at","start":1609.095,"end":1609.335,"confidence":0.6673676,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08567186444997787},{"word":"137,701","start":1609.335,"end":1612.875,"confidence":0.986111,"punctuated_word":"137,701.","sentiment":"neutral","sentiment_score":0.11115729808807372},{"word":"and","start":1613.335,"end":1613.495,"confidence":0.99901307,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08585496246814728},{"word":"then","start":1613.495,"end":1613.735,"confidence":0.9999573,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0708976462483406},{"word":"you","start":1613.735,"end":1613.975,"confidence":0.999218,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09240993112325668},{"word":"also","start":1613.975,"end":1614.295,"confidence":0.9996817,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06909887492656708},{"word":"have","start":1614.295,"end":1614.535,"confidence":0.9999516,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07650722563266754},{"word":"your","start":1614.535,"end":1614.775,"confidence":0.997463,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09781336784362792},{"word":"clearview","start":1614.775,"end":1615.275,"confidence":0.8173899,"punctuated_word":"Clearview","sentiment":"neutral","sentiment_score":0.10928557813167572},{"word":"insurances","start":1615.415,"end":1615.915,"confidence":0.9914765,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.09229955077171326},{"word":"so","start":1616.455,"end":1616.695,"confidence":0.9996952,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08872246742248535},{"word":"you","start":1616.695,"end":1616.855,"confidence":0.99993694,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09469624608755112},{"word":"have","start":1616.855,"end":1617.355,"confidence":0.9999759,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08843785524368286},{"word":"life","start":1617.735,"end":1618.215,"confidence":0.6601631,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.1156615912914276},{"word":"and","start":1618.215,"end":1618.535,"confidence":0.9991216,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09406530857086182},{"word":"total","start":1618.535,"end":1619.015,"confidence":0.9958353,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.06100790202617645},{"word":"permanent","start":1619.015,"end":1619.515,"confidence":0.9986094,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":0.06814469397068024},{"word":"disability","start":1619.575,"end":1620.075,"confidence":0.96314806,"punctuated_word":"disability.","sentiment":"neutral","sentiment_score":0.1112501472234726},{"word":"now","start":1620.79,"end":1620.95,"confidence":0.8387162,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09102483093738556},{"word":"that","start":1620.95,"end":1621.27,"confidence":0.99911076,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09388722479343414},{"word":"is","start":1621.27,"end":1621.59,"confidence":0.9998229,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07182532548904419},{"word":"1,575,075","start":1621.59,"end":1625.85,"confidence":0.998885,"punctuated_word":"1,575,075","sentiment":"neutral","sentiment_score":0.12241894006729126},{"word":"worth","start":1625.91,"end":1626.23,"confidence":0.97864836,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.12722988426685333},{"word":"of","start":1626.23,"end":1626.39,"confidence":0.99957794,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12630505859851837},{"word":"that","start":1626.39,"end":1626.89,"confidence":0.8832866,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.12448466569185256},{"word":"and","start":1628.47,"end":1628.71,"confidence":0.9663196,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0608706995844841},{"word":"then","start":1628.71,"end":1628.87,"confidence":0.9993494,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06582139432430267},{"word":"you","start":1628.87,"end":1629.03,"confidence":0.9994449,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06891877204179764},{"word":"also","start":1629.03,"end":1629.35,"confidence":0.9994554,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06357719749212265},{"word":"have","start":1629.35,"end":1629.51,"confidence":0.99708515,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05930329859256744},{"word":"your","start":1629.51,"end":1629.75,"confidence":0.99909484,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05418853089213371},{"word":"income","start":1629.75,"end":1630.07,"confidence":0.99978584,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.02809811010956764},{"word":"protection","start":1630.07,"end":1630.57,"confidence":0.9998048,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.024765342473983765},{"word":"now","start":1630.79,"end":1631.03,"confidence":0.9991474,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.03451170027256012},{"word":"your","start":1631.03,"end":1631.1901,"confidence":0.9968078,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.020293977111577988},{"word":"income","start":1631.1901,"end":1631.51,"confidence":0.99995387,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.01303764432668686},{"word":"protection","start":1631.51,"end":1632.01,"confidence":0.9996699,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.012979716062545776},{"word":"is","start":1632.15,"end":1632.47,"confidence":0.97859395,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.008839301764965057},{"word":"paying","start":1632.47,"end":1632.97,"confidence":0.999627,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.027157828211784363},{"word":"6,000","start":1633.75,"end":1634.55,"confidence":0.9795022,"punctuated_word":"6,000","sentiment":"neutral","sentiment_score":0.011603636667132378},{"word":"sorry","start":1635.2749,"end":1635.595,"confidence":0.95904374,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.09486965090036392},{"word":"my","start":1635.595,"end":1635.6749,"confidence":0.9983374,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.2598699629306793},{"word":"computer","start":1635.6749,"end":1636.1749,"confidence":0.9999329,"punctuated_word":"computer","sentiment":"negative","sentiment_score":-0.34281983971595764},{"word":"just","start":1636.235,"end":1636.475,"confidence":0.97586685,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.3483290374279022},{"word":"froze","start":1636.475,"end":1636.715,"confidence":0.9980567,"punctuated_word":"froze","sentiment":"negative","sentiment_score":-0.3912568986415863},{"word":"for","start":1636.715,"end":1636.955,"confidence":0.9986828,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.3523348271846771},{"word":"a","start":1636.955,"end":1637.0349,"confidence":0.9976217,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3059930205345154},{"word":"moment","start":1637.0349,"end":1637.5349,"confidence":0.9982555,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.22790443897247312},{"word":"just","start":1639.115,"end":1639.355,"confidence":0.92444146,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.16574546694755554},{"word":"bear","start":1639.355,"end":1639.595,"confidence":0.99945384,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":-0.17852839827537537},{"word":"with","start":1639.595,"end":1639.755,"confidence":0.99980885,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1685546189546585},{"word":"me","start":1639.755,"end":1640.075,"confidence":0.99710476,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.151170551776886},{"word":"always","start":1640.075,"end":1640.3949,"confidence":0.83636993,"punctuated_word":"Always","sentiment":"neutral","sentiment_score":-0.1327672004699707},{"word":"like","start":1640.3949,"end":1640.5549,"confidence":0.9738913,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.12371614575386047},{"word":"that","start":1640.5549,"end":1640.715,"confidence":0.9991146,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1479317992925644},{"word":"with","start":1640.715,"end":1640.955,"confidence":0.98832023,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2372396290302277},{"word":"technology","start":1640.955,"end":1641.455,"confidence":0.9565656,"punctuated_word":"technology,","sentiment":"neutral","sentiment_score":-0.14170822501182556},{"word":"isn't","start":1641.5149,"end":1641.835,"confidence":0.9989368,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.052751317620277405},{"word":"it","start":1641.835,"end":1642.335,"confidence":0.9982723,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.04326234385371208},{"word":"it's","start":1644.315,"end":1644.5549,"confidence":0.98558414,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1385696828365326},{"word":"always","start":1644.5549,"end":1644.7949,"confidence":0.9977781,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.11589689552783966},{"word":"when","start":1644.7949,"end":1644.955,"confidence":0.83310306,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.12555940449237823},{"word":"it","start":1644.955,"end":1645.115,"confidence":0.9684263,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.18684113025665283},{"word":"doesn't","start":1645.115,"end":1645.4349,"confidence":0.999858,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.21633069217205048},{"word":"work","start":1645.4349,"end":1645.6749,"confidence":0.7174957,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.1988760530948639},{"word":"and","start":1645.6749,"end":1645.9149,"confidence":0.9933367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1358771175146103},{"word":"it's","start":1645.9149,"end":1646.235,"confidence":0.95987487,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1851804256439209},{"word":"i","start":1646.715,"end":1646.875,"confidence":0.9990264,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15885290503501892},{"word":"think","start":1646.875,"end":1647.115,"confidence":0.9998117,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.1817383170127869},{"word":"it","start":1647.115,"end":1647.4349,"confidence":0.97581065,"punctuated_word":"IT","sentiment":"neutral","sentiment_score":-0.2551230788230896},{"word":"is","start":1647.4349,"end":1647.595,"confidence":0.987981,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2185203731060028},{"word":"doing","start":1647.595,"end":1647.9149,"confidence":0.99762976,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.19852465391159055},{"word":"something","start":1647.9149,"end":1648.315,"confidence":0.9441438,"punctuated_word":"something,","sentiment":"neutral","sentiment_score":-0.1844123601913452},{"word":"but","start":1648.315,"end":1648.475,"confidence":0.998166,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.10182074457406998},{"word":"let","start":1648.475,"end":1648.715,"confidence":0.99981517,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.08615453541278839},{"word":"me","start":1648.715,"end":1648.875,"confidence":0.99993443,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.07272068411111832},{"word":"just","start":1648.875,"end":1649.2749,"confidence":0.997373,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07433052361011505},{"word":"try","start":1649.2749,"end":1649.5149,"confidence":0.8233114,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.07113511115312576},{"word":"to","start":1649.5149,"end":1649.755,"confidence":0.55950564,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07397839426994324},{"word":"get","start":1649.755,"end":1649.995,"confidence":0.9995952,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.08393380790948868},{"word":"that","start":1649.995,"end":1650.235,"confidence":0.9982393,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029911965131759644},{"word":"up","start":1650.235,"end":1650.51,"confidence":0.978683,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.05609561502933502},{"word":"for","start":1650.59,"end":1651.09,"confidence":0.9085845,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09440552443265916},{"word":"you","start":1652.1901,"end":1652.59,"confidence":0.81603515,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11761308461427689},{"word":"it's","start":1652.59,"end":1652.99,"confidence":0.8785695,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1926940381526947},{"word":"great","start":1652.99,"end":1653.31,"confidence":0.9983577,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.3627528250217438},{"word":"when","start":1653.31,"end":1653.55,"confidence":0.9987717,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3439047038555145},{"word":"it","start":1653.55,"end":1653.71,"confidence":0.9704085,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3239172697067261},{"word":"works","start":1653.71,"end":1654.21,"confidence":0.89881027,"punctuated_word":"works,","sentiment":"neutral","sentiment_score":0.29752886295318604},{"word":"but","start":1654.43,"end":1654.75,"confidence":0.9991578,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.26662397384643555},{"word":"when","start":1654.75,"end":1654.99,"confidence":0.9990195,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.28742289543151855},{"word":"it","start":1654.99,"end":1655.0701,"confidence":0.99908614,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.34335634112358093},{"word":"has","start":1655.0701,"end":1655.39,"confidence":0.99938035,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.02011757344007492},{"word":"its","start":1655.39,"end":1655.71,"confidence":0.9759257,"punctuated_word":"its","sentiment":"neutral","sentiment_score":-0.03113776445388794},{"word":"moments","start":1655.71,"end":1656.21,"confidence":0.8516507,"punctuated_word":"moments,","sentiment":"neutral","sentiment_score":0.005566854029893875},{"word":"it's","start":1656.43,"end":1656.67,"confidence":0.73122835,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03433043882250786},{"word":"let","start":1656.83,"end":1656.99,"confidence":0.85979736,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.05685396492481232},{"word":"me","start":1656.99,"end":1657.15,"confidence":0.99730706,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10105068981647491},{"word":"just","start":1657.15,"end":1657.31,"confidence":0.9987054,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05600385367870331},{"word":"try","start":1657.31,"end":1657.55,"confidence":0.99510115,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.004871726036071777},{"word":"to","start":1657.55,"end":1657.71,"confidence":0.9840534,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.031468719244003296},{"word":"close","start":1657.71,"end":1657.95,"confidence":0.99963,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.07168112695217133},{"word":"it","start":1657.95,"end":1658.11,"confidence":0.9997311,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15243007242679596},{"word":"down","start":1658.11,"end":1658.35,"confidence":0.99969745,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.16222012042999268},{"word":"for","start":1658.35,"end":1658.59,"confidence":0.99980146,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14623166620731354},{"word":"you","start":1658.59,"end":1659.09,"confidence":0.9998261,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.03778146952390671},{"word":"now","start":1659.55,"end":1659.71,"confidence":0.80992305,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.030825331807136536},{"word":"while","start":1659.71,"end":1659.95,"confidence":0.9958525,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.045288339257240295},{"word":"i","start":1659.95,"end":1660.03,"confidence":0.9983949,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03683949261903763},{"word":"wait","start":1660.03,"end":1660.27,"confidence":0.99794036,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.03867943957448006},{"word":"for","start":1660.27,"end":1660.51,"confidence":0.9994547,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.03500983119010925},{"word":"this","start":1660.51,"end":1660.75,"confidence":0.9996786,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.030033588409423828},{"word":"to","start":1660.75,"end":1660.99,"confidence":0.9980964,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.020842645317316055},{"word":"come","start":1660.99,"end":1661.49,"confidence":0.9998524,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.006546955555677414},{"word":"back","start":1661.55,"end":1661.95,"confidence":0.9975503,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.004537850618362427},{"word":"up","start":1661.95,"end":1662.45,"confidence":0.99320793,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.014630110003054142},{"word":"obviously","start":1662.845,"end":1663.245,"confidence":0.9970418,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.028612013906240463},{"word":"if","start":1663.245,"end":1663.5651,"confidence":0.99985075,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06538771837949753},{"word":"you","start":1663.5651,"end":1664.045,"confidence":0.9999728,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07110706716775894},{"word":"are","start":1664.045,"end":1664.4451,"confidence":0.99952424,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.06586513668298721},{"word":"expecting","start":1664.4451,"end":1664.9451,"confidence":0.9998197,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":-0.05931310355663299},{"word":"a","start":1665.005,"end":1665.0851,"confidence":0.99955374,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.054572053253650665},{"word":"bit","start":1665.0851,"end":1665.245,"confidence":0.99995756,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07095740735530853},{"word":"of","start":1665.245,"end":1665.485,"confidence":0.9998022,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06096033751964569},{"word":"a","start":1665.485,"end":1665.725,"confidence":0.9995413,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05786615237593651},{"word":"a","start":1665.725,"end":1665.965,"confidence":0.96597177,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06349364668130875},{"word":"pay","start":1665.965,"end":1666.285,"confidence":0.98444736,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.06737233698368073},{"word":"rise","start":1666.285,"end":1666.685,"confidence":0.99148923,"punctuated_word":"rise,","sentiment":"neutral","sentiment_score":-0.06160100176930427},{"word":"there","start":1666.685,"end":1666.925,"confidence":0.9991602,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.10394022613763808},{"word":"is","start":1666.925,"end":1667.005,"confidence":0.9999392,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09987308830022812},{"word":"a","start":1667.005,"end":1667.165,"confidence":0.9985165,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0803823173046112},{"word":"chance","start":1667.165,"end":1667.485,"confidence":0.99987113,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":-0.06898079812526703},{"word":"that","start":1667.485,"end":1667.645,"confidence":0.92216057,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.08390368521213531},{"word":"obviously","start":1667.645,"end":1668.045,"confidence":0.99981314,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.08607406914234161},{"word":"your","start":1668.045,"end":1668.285,"confidence":0.99901044,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1695788949728012},{"word":"income","start":1668.285,"end":1668.525,"confidence":0.9993956,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.13586747646331787},{"word":"protection","start":1668.525,"end":1669.025,"confidence":0.9984877,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.11676225066184998},{"word":"will","start":1669.0851,"end":1669.3251,"confidence":0.9997484,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.1533498615026474},{"word":"be","start":1669.3251,"end":1669.5651,"confidence":0.9994412,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15456445515155792},{"word":"slightly","start":1669.5651,"end":1669.965,"confidence":0.99982315,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":-0.15378086268901825},{"word":"underinsured","start":1669.965,"end":1670.465,"confidence":0.94769067,"punctuated_word":"underinsured.","sentiment":"neutral","sentiment_score":-0.12336292117834093},{"word":"so","start":1671.725,"end":1671.965,"confidence":0.89112896,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.03821469843387604},{"word":"obviously","start":1671.965,"end":1672.4451,"confidence":0.99991,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.02068336308002472},{"word":"because","start":1672.605,"end":1672.845,"confidence":0.98859465,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.011177975684404371},{"word":"you","start":1672.845,"end":1673.005,"confidence":0.999801,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00039105862379074097},{"word":"can","start":1673.005,"end":1673.245,"confidence":0.9982862,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.015814125537872314},{"word":"have","start":1673.245,"end":1673.485,"confidence":0.99730325,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.007908299565315247},{"word":"up","start":1673.485,"end":1673.5651,"confidence":0.99985945,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.021348819136619568},{"word":"to","start":1673.5651,"end":1673.805,"confidence":0.99834037,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004414793103933334},{"word":"70%","start":1673.805,"end":1674.525,"confidence":0.99925536,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.01596139371395111},{"word":"of","start":1674.525,"end":1674.685,"confidence":0.99979883,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0063717179000377655},{"word":"your","start":1674.685,"end":1674.845,"confidence":0.999577,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.010701268911361694},{"word":"income","start":1674.845,"end":1675.345,"confidence":0.9998086,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0003633461892604828},{"word":"covered","start":1675.485,"end":1675.985,"confidence":0.8245658,"punctuated_word":"covered.","sentiment":"neutral","sentiment_score":-0.0094232726842165},{"word":"would","start":1676.82,"end":1677.0599,"confidence":0.99882704,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.034321609884500504},{"word":"you","start":1677.0599,"end":1677.46,"confidence":0.99985456,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02589455246925354},{"word":"like","start":1677.46,"end":1677.7799,"confidence":0.99927455,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.04408103600144386},{"word":"to","start":1677.7799,"end":1677.94,"confidence":0.99972445,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.026315513998270035},{"word":"look","start":1677.94,"end":1678.1799,"confidence":0.99967587,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.030466504395008087},{"word":"at","start":1678.1799,"end":1678.5,"confidence":0.9996573,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.025603078305721283},{"word":"increasing","start":1678.5,"end":1679.0,"confidence":0.9996635,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.009873181581497192},{"word":"it","start":1679.14,"end":1679.46,"confidence":0.92224824,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.0034788958728313446},{"word":"or","start":1679.46,"end":1679.7,"confidence":0.9997347,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05063455179333687},{"word":"are","start":1679.7,"end":1679.7799,"confidence":0.80182,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0584462508559227},{"word":"you","start":1679.7799,"end":1680.0199,"confidence":0.99818087,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06784538924694061},{"word":"still","start":1680.0199,"end":1680.34,"confidence":0.9957624,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0659337118268013},{"word":"feel","start":1680.34,"end":1680.58,"confidence":0.98449844,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.04890897870063782},{"word":"like","start":1680.58,"end":1680.82,"confidence":0.9786689,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.064767986536026},{"word":"the","start":1680.82,"end":1681.0599,"confidence":0.9985531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.057598136365413666},{"word":"amount","start":1681.0599,"end":1681.46,"confidence":0.9661934,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.03627610206604004},{"word":"you","start":1681.46,"end":1681.7,"confidence":0.99877733,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.054328568279743195},{"word":"are","start":1681.7,"end":1681.86,"confidence":0.99587727,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04822782054543495},{"word":"covered","start":1681.86,"end":1682.1799,"confidence":0.9997812,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":-0.013301774859428406},{"word":"for","start":1682.1799,"end":1682.5,"confidence":0.98953867,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.024849891662597656},{"word":"will","start":1682.5,"end":1682.74,"confidence":0.8751254,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.060618892312049866},{"word":"still","start":1682.74,"end":1682.98,"confidence":0.9954125,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.058551058173179626},{"word":"kind","start":1682.98,"end":1683.22,"confidence":0.99742585,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.058988627046346664},{"word":"of","start":1683.22,"end":1683.72,"confidence":0.9989391,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06623556464910507},{"word":"cover","start":1684.1799,"end":1684.6799,"confidence":0.99915016,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.039650775492191315},{"word":"cover","start":1685.7,"end":1685.94,"confidence":0.6872554,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.02155611664056778},{"word":"you","start":1685.94,"end":1686.1799,"confidence":0.985083,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.07532331347465515},{"word":"because","start":1686.1799,"end":1686.5,"confidence":0.97996247,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.12488318979740144},{"word":"if","start":1686.5,"end":1686.6599,"confidence":0.9987136,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.15822918713092804},{"word":"we","start":1686.6599,"end":1686.82,"confidence":0.9993857,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15821689367294312},{"word":"do","start":1686.82,"end":1687.0599,"confidence":0.9997471,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.15163713693618774},{"word":"increase","start":1687.0599,"end":1687.5399,"confidence":0.9996563,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.1335691213607788},{"word":"it","start":1687.5399,"end":1688.0399,"confidence":0.987658,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.18201372027397156},{"word":"it","start":1688.5,"end":1688.6599,"confidence":0.96883553,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.23642851412296295},{"word":"will","start":1688.6599,"end":1688.8999,"confidence":0.99935,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.22420789301395416},{"word":"get","start":1688.8999,"end":1689.0599,"confidence":0.99960345,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.27836698293685913},{"word":"more","start":1689.0599,"end":1689.2999,"confidence":0.99987936,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.2861713767051697},{"word":"expensive","start":1689.2999,"end":1689.7999,"confidence":0.99946374,"punctuated_word":"expensive","sentiment":"neutral","sentiment_score":-0.18846933543682096},{"word":"because","start":1689.94,"end":1690.26,"confidence":0.95176995,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1864264011383057},{"word":"you","start":1690.26,"end":1690.4199,"confidence":0.99980396,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22310057282447815},{"word":"are","start":1690.4199,"end":1690.6599,"confidence":0.99965036,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.18974027037620544},{"word":"covered","start":1690.6599,"end":1691.1599,"confidence":0.9997855,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":-0.1291467547416687},{"word":"for","start":1691.38,"end":1691.62,"confidence":0.998467,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1660291999578476},{"word":"more","start":1691.62,"end":1692.12,"confidence":0.74387157,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":-0.16407889127731323},{"word":"and","start":1693.165,"end":1693.3251,"confidence":0.9868443,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07102970778942108},{"word":"we","start":1693.3251,"end":1693.5651,"confidence":0.99727553,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0911240428686142},{"word":"have","start":1693.5651,"end":1693.725,"confidence":0.99978954,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.09465952217578888},{"word":"to","start":1693.725,"end":1693.805,"confidence":0.9997366,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10615360736846924},{"word":"go","start":1693.805,"end":1694.045,"confidence":0.99983823,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.13060225546360016},{"word":"through","start":1694.045,"end":1694.2051,"confidence":0.99798334,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.10835756361484528},{"word":"kind","start":1694.2051,"end":1694.365,"confidence":0.9709182,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.08109074831008911},{"word":"of","start":1694.365,"end":1694.525,"confidence":0.9997352,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07079173624515533},{"word":"the","start":1694.525,"end":1694.685,"confidence":0.99593145,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10338658094406128},{"word":"underwriting","start":1694.685,"end":1695.185,"confidence":0.99987173,"punctuated_word":"underwriting","sentiment":"neutral","sentiment_score":-0.11375810950994492},{"word":"process","start":1695.245,"end":1695.725,"confidence":0.9998853,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.10589876025915146},{"word":"again","start":1695.725,"end":1696.225,"confidence":0.9819038,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.08314365893602371},{"word":"but","start":1696.765,"end":1696.925,"confidence":0.9600705,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.006322726607322693},{"word":"if","start":1696.925,"end":1697.0851,"confidence":0.99958664,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.029702864587306976},{"word":"you","start":1697.0851,"end":1697.245,"confidence":0.99983037,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04181808978319168},{"word":"feel","start":1697.245,"end":1697.485,"confidence":0.9998282,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.041265711188316345},{"word":"like","start":1697.485,"end":1697.725,"confidence":0.98850155,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.04498834162950516},{"word":"it","start":1697.725,"end":1697.9651,"confidence":0.9987482,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08427859842777252},{"word":"is","start":1697.9651,"end":1698.285,"confidence":0.9998759,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07726216316223145},{"word":"slightly","start":1698.285,"end":1698.785,"confidence":0.9998348,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":-0.11916941404342651},{"word":"less","start":1698.8451,"end":1699.165,"confidence":0.99213153,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.09125478565692902},{"word":"at","start":1699.165,"end":1699.3251,"confidence":0.9993753,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.17215055227279663},{"word":"the","start":1699.3251,"end":1699.405,"confidence":0.99950147,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14563407003879547},{"word":"moment","start":1699.405,"end":1699.805,"confidence":0.9997671,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.14270354807376862},{"word":"and","start":1699.805,"end":1699.9651,"confidence":0.9650272,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07586616277694702},{"word":"you","start":1699.9651,"end":1700.2051,"confidence":0.9999281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09311419725418092},{"word":"want","start":1700.2051,"end":1700.605,"confidence":0.99937916,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.08617211878299713},{"word":"more","start":1700.605,"end":1701.105,"confidence":0.9993987,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":-0.03127562627196312},{"word":"we","start":1701.245,"end":1701.485,"confidence":0.9996722,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0017907917499542236},{"word":"can","start":1701.485,"end":1701.725,"confidence":0.99989736,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0718144103884697},{"word":"go","start":1701.725,"end":1701.9651,"confidence":0.9997675,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.008306607604026794},{"word":"down","start":1701.9651,"end":1702.2051,"confidence":0.99979836,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08137648552656174},{"word":"that","start":1702.2051,"end":1702.7051,"confidence":0.9962132,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.026526525616645813},{"word":"path","start":1702.765,"end":1703.0851,"confidence":0.76038235,"punctuated_word":"path","sentiment":"neutral","sentiment_score":-0.01890471577644348},{"word":"as","start":1703.0851,"end":1703.3251,"confidence":0.9996439,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07802601158618927},{"word":"well","start":1703.3251,"end":1703.5651,"confidence":0.9993606,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.04152530059218407},{"word":"it","start":1703.5651,"end":1703.805,"confidence":0.99961615,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.13704006373882294},{"word":"is","start":1703.805,"end":1704.045,"confidence":0.99987507,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11363255977630617},{"word":"up","start":1704.045,"end":1704.2051,"confidence":0.99987435,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.13338439166545868},{"word":"to","start":1704.2051,"end":1704.365,"confidence":0.99923444,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1355385780334473},{"word":"you","start":1704.365,"end":1704.865,"confidence":0.99854624,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15007686614990234},{"word":"yep","start":1712.86,"end":1713.36,"confidence":0.99019647,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21738046407699585},{"word":"and","start":1713.42,"end":1713.5801,"confidence":0.9967644,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2037442922592163},{"word":"if","start":1713.5801,"end":1713.74,"confidence":0.9987538,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19999149441719055},{"word":"it","start":1713.74,"end":1713.9,"confidence":0.99411374,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18005481362342834},{"word":"changes","start":1713.9,"end":1714.3,"confidence":0.96038043,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.1321551501750946},{"word":"obviously","start":1714.3,"end":1714.62,"confidence":0.99812734,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.14709031581878662},{"word":"when","start":1714.62,"end":1714.78,"confidence":0.9998822,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.16740798950195312},{"word":"you","start":1714.78,"end":1714.9401,"confidence":0.9999393,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1642255336046219},{"word":"do","start":1714.9401,"end":1715.18,"confidence":0.9998857,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11396227031946182},{"word":"find","start":1715.18,"end":1715.34,"confidence":0.99588615,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.16597719490528107},{"word":"out","start":1715.34,"end":1715.5,"confidence":0.9907691,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1524900496006012},{"word":"the","start":1715.5,"end":1715.66,"confidence":0.99902177,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11247292160987854},{"word":"pay","start":1715.66,"end":1715.8201,"confidence":0.996911,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.12211281061172484},{"word":"rise","start":1715.8201,"end":1716.14,"confidence":0.9345224,"punctuated_word":"rise,","sentiment":"neutral","sentiment_score":0.1098509132862091},{"word":"if","start":1716.14,"end":1716.3,"confidence":0.9985071,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16758668422698977},{"word":"it's","start":1716.3,"end":1716.54,"confidence":0.9998162,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.14156989753246307},{"word":"kind","start":1716.54,"end":1716.7001,"confidence":0.98688716,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10989934951066972},{"word":"of","start":1716.7001,"end":1716.86,"confidence":0.9995845,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09665902704000472},{"word":"more","start":1716.86,"end":1716.9401,"confidence":0.99970824,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1437176913022995},{"word":"than","start":1716.9401,"end":1717.18,"confidence":0.9996213,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.18386274576187137},{"word":"expected","start":1717.18,"end":1717.68,"confidence":0.9998186,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.14049570262432098},{"word":"or","start":1717.74,"end":1718.24,"confidence":0.597198,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12945765256881714},{"word":"if","start":1718.735,"end":1718.9751,"confidence":0.9987368,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10291813313961028},{"word":"at","start":1718.9751,"end":1719.2151,"confidence":0.9642932,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12303878366947174},{"word":"any","start":1719.2151,"end":1719.4551,"confidence":0.9998134,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1392546445131302},{"word":"point","start":1719.4551,"end":1719.615,"confidence":0.9997788,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.06827475130558014},{"word":"in","start":1719.615,"end":1719.775,"confidence":0.99838483,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11150679737329484},{"word":"time","start":1719.775,"end":1720.015,"confidence":0.99987185,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1337909996509552},{"word":"you","start":1720.015,"end":1720.255,"confidence":0.86910754,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12124153226613998},{"word":"do","start":1720.255,"end":1720.415,"confidence":0.9954656,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12558172643184662},{"word":"change","start":1720.415,"end":1720.915,"confidence":0.99979395,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.10862797498703004},{"word":"your","start":1720.9751,"end":1721.295,"confidence":0.9997056,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10416517406702042},{"word":"mind","start":1721.295,"end":1721.795,"confidence":0.9854251,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.1207781434059143},{"word":"just","start":1723.295,"end":1723.795,"confidence":0.8061837,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1551152467727661},{"word":"give","start":1724.3351,"end":1724.5751,"confidence":0.999881,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1452491581439972},{"word":"me","start":1724.5751,"end":1724.735,"confidence":0.99982977,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17231692373752594},{"word":"a","start":1724.735,"end":1724.8151,"confidence":0.99235016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16595160961151123},{"word":"call","start":1724.8151,"end":1725.3151,"confidence":0.99984455,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.13759946823120117},{"word":"again","start":1725.6951,"end":1726.1951,"confidence":0.80893576,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.17868386209011078},{"word":"and","start":1726.735,"end":1726.895,"confidence":0.9070657,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1790226697921753},{"word":"we","start":1726.895,"end":1727.055,"confidence":0.8958963,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19819629192352295},{"word":"can","start":1727.055,"end":1727.295,"confidence":0.9998492,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22032229602336884},{"word":"always","start":1727.295,"end":1727.6951,"confidence":0.9995414,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2619311511516571},{"word":"run","start":1727.6951,"end":1728.015,"confidence":0.9997049,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.21042773127555847},{"word":"through","start":1728.015,"end":1728.255,"confidence":0.9992817,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.18994131684303284},{"word":"it","start":1728.255,"end":1728.3351,"confidence":0.8638318,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14775259792804718},{"word":"with","start":1728.3351,"end":1728.495,"confidence":0.99975294,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16047757863998413},{"word":"you","start":1728.495,"end":1728.995,"confidence":0.999791,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11384017765522005},{"word":"now","start":1731.51,"end":1731.8301,"confidence":0.9900428,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.020427443087100983},{"word":"my","start":1731.8301,"end":1732.31,"confidence":0.99583143,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.09960896521806716},{"word":"computer","start":1732.31,"end":1732.79,"confidence":0.9999354,"punctuated_word":"computer","sentiment":"neutral","sentiment_score":-0.08917613327503204},{"word":"is","start":1732.79,"end":1732.87,"confidence":0.50551647,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2054908573627472},{"word":"still","start":1732.87,"end":1733.1901,"confidence":0.9997844,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.2006760835647583},{"word":"not","start":1733.1901,"end":1733.43,"confidence":0.99989986,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.21419985592365265},{"word":"really","start":1733.43,"end":1733.93,"confidence":0.9997044,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.2208447903394699},{"word":"working","start":1734.0701,"end":1734.39,"confidence":0.9305598,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":-0.25804758071899414},{"word":"so","start":1734.39,"end":1734.63,"confidence":0.9996877,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1199907660484314},{"word":"i","start":1734.63,"end":1734.71,"confidence":0.99975425,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10288558900356291},{"word":"can't","start":1734.71,"end":1734.9501,"confidence":0.9997382,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.09440269321203232},{"word":"see","start":1734.9501,"end":1735.11,"confidence":0.9996356,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.07098288089036942},{"word":"the","start":1735.11,"end":1735.35,"confidence":0.9996934,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0659225583076477},{"word":"documents","start":1735.35,"end":1735.85,"confidence":0.763394,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":-0.06402650475502014},{"word":"but","start":1735.91,"end":1736.41,"confidence":0.9993444,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.01858709007501602},{"word":"you","start":1736.47,"end":1736.71,"confidence":0.9997962,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006903514266014099},{"word":"will","start":1736.71,"end":1736.87,"confidence":0.9998865,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.009450383484363556},{"word":"get","start":1736.87,"end":1736.99,"confidence":0.98438716,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.004465840756893158},{"word":"email","start":1737.11,"end":1737.43,"confidence":0.9891094,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.034322187304496765},{"word":"them","start":1737.43,"end":1737.59,"confidence":0.75312734,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.017000429332256317},{"word":"and","start":1737.59,"end":1737.75,"confidence":0.9997354,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07691743969917297},{"word":"you","start":1737.75,"end":1737.8301,"confidence":0.9996698,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08147276937961578},{"word":"can","start":1737.8301,"end":1738.0701,"confidence":0.9997154,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08883357793092728},{"word":"have","start":1738.0701,"end":1738.31,"confidence":0.99976045,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1128985434770584},{"word":"a","start":1738.31,"end":1738.39,"confidence":0.9990182,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08960805833339691},{"word":"look","start":1738.39,"end":1738.55,"confidence":0.9999434,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08370864391326904},{"word":"at","start":1738.55,"end":1738.71,"confidence":0.9997776,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07938399910926819},{"word":"it","start":1738.71,"end":1739.03,"confidence":0.97366166,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.014427609741687776},{"word":"and","start":1739.03,"end":1739.27,"confidence":0.998159,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07247963547706604},{"word":"that","start":1739.27,"end":1739.51,"confidence":0.9989648,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04214389622211456},{"word":"basically","start":1739.51,"end":1739.99,"confidence":0.9730776,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.04842350631952286},{"word":"just","start":1739.99,"end":1740.15,"confidence":0.99803823,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07388503104448318},{"word":"breaks","start":1740.15,"end":1740.47,"confidence":0.99653673,"punctuated_word":"breaks","sentiment":"neutral","sentiment_score":0.10281318426132202},{"word":"down","start":1740.47,"end":1740.63,"confidence":0.9851871,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.12958550453186035},{"word":"your","start":1740.63,"end":1740.79,"confidence":0.9952507,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08285242319107056},{"word":"income","start":1740.79,"end":1741.11,"confidence":0.9995939,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.10796242952346802},{"word":"protection","start":1741.11,"end":1741.61,"confidence":0.93070126,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.05694762244820595},{"word":"it","start":1741.67,"end":1741.91,"confidence":0.9964066,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.10781040787696838},{"word":"also","start":1741.91,"end":1742.23,"confidence":0.9993148,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10177363455295564},{"word":"shows","start":1742.23,"end":1742.55,"confidence":0.9995951,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.08455342799425125},{"word":"you","start":1742.55,"end":1742.87,"confidence":0.96413136,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09013985842466354},{"word":"the","start":1742.87,"end":1743.03,"confidence":0.9997603,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08805103600025177},{"word":"total","start":1743.03,"end":1743.35,"confidence":0.995548,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.10248077660799026},{"word":"premium","start":1743.35,"end":1743.85,"confidence":0.99903995,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.07658028602600098},{"word":"for","start":1743.91,"end":1743.99,"confidence":0.9966942,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12332336604595184},{"word":"all","start":1743.99,"end":1744.15,"confidence":0.9999286,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.11042152345180511},{"word":"of","start":1744.15,"end":1744.31,"confidence":0.9998627,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0782865509390831},{"word":"them","start":1744.31,"end":1744.81,"confidence":0.8911433,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.01798851415514946},{"word":"and","start":1745.385,"end":1745.7051,"confidence":0.9796571,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03110066056251526},{"word":"you","start":1745.7051,"end":1745.9451,"confidence":0.9995085,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017162412405014038},{"word":"don't","start":1745.9451,"end":1746.185,"confidence":0.9999002,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.003967593424022198},{"word":"pay","start":1746.185,"end":1746.505,"confidence":0.99995315,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.08588974922895432},{"word":"for","start":1746.505,"end":1746.5851,"confidence":0.9983772,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04980211704969406},{"word":"them","start":1746.5851,"end":1746.8251,"confidence":0.9946479,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.1355525553226471},{"word":"out","start":1746.8251,"end":1746.985,"confidence":0.9935841,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.06124252825975418},{"word":"of","start":1746.985,"end":1747.0651,"confidence":0.9964001,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12018201500177383},{"word":"pocket","start":1747.0651,"end":1747.4651,"confidence":0.9371985,"punctuated_word":"pocket.","sentiment":"neutral","sentiment_score":-0.1195739284157753},{"word":"it's","start":1747.4651,"end":1747.7051,"confidence":0.99935544,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.04317614063620567},{"word":"all","start":1747.7051,"end":1748.025,"confidence":0.9988595,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0707375556230545},{"word":"through","start":1748.025,"end":1748.425,"confidence":0.99975926,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.020348206162452694},{"word":"your","start":1748.425,"end":1748.665,"confidence":0.9884375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.013056159019470217},{"word":"superannuation","start":1748.665,"end":1749.165,"confidence":0.85044014,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.033828333020210266},{"word":"yep","start":1751.385,"end":1751.885,"confidence":0.83431494,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11789899319410324},{"word":"now","start":1752.425,"end":1752.745,"confidence":0.9824553,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.21221262216567993},{"word":"some","start":1752.745,"end":1752.985,"confidence":0.9919952,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.21240727603435516},{"word":"other","start":1752.985,"end":1753.225,"confidence":0.9993656,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.22213946282863617},{"word":"documents","start":1753.225,"end":1753.7051,"confidence":0.99983084,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.17768260836601257},{"word":"you","start":1753.7051,"end":1753.865,"confidence":0.97544134,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21850411593914032},{"word":"will","start":1753.865,"end":1754.105,"confidence":0.99993944,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2132665663957596},{"word":"see","start":1754.105,"end":1754.425,"confidence":0.68662393,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.21642515063285828},{"word":"you","start":1754.425,"end":1754.5851,"confidence":0.99864334,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21895362436771393},{"word":"will","start":1754.5851,"end":1754.8251,"confidence":0.99987257,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2166694402694702},{"word":"see","start":1754.8251,"end":1755.225,"confidence":0.9998976,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.21683743596076965},{"word":"just","start":1755.225,"end":1755.4651,"confidence":0.39803356,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2128374874591827},{"word":"an","start":1755.4651,"end":1755.625,"confidence":0.9982668,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.21400082111358645},{"word":"updated","start":1755.625,"end":1756.105,"confidence":0.9990464,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.20472007989883423},{"word":"financial","start":1756.105,"end":1756.605,"confidence":0.9991767,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.16606152057647705},{"word":"services","start":1756.745,"end":1757.245,"confidence":0.9991391,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.14004521071910858},{"word":"guide","start":1757.305,"end":1757.785,"confidence":0.99987006,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.17135585844516754},{"word":"for","start":1757.785,"end":1757.9451,"confidence":0.9994574,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22945071756839752},{"word":"you","start":1757.9451,"end":1758.4451,"confidence":0.978176,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.18186023831367493},{"word":"it's","start":1758.54,"end":1758.78,"confidence":0.9953551,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.23246322572231293},{"word":"one","start":1758.78,"end":1758.8601,"confidence":0.9999051,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2402297556400299},{"word":"of","start":1758.8601,"end":1758.9401,"confidence":0.9999112,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23176851868629456},{"word":"those","start":1758.9401,"end":1759.3401,"confidence":0.99941576,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.27153295278549194},{"word":"compliance","start":1759.3401,"end":1759.8401,"confidence":0.98366296,"punctuated_word":"compliance","sentiment":"neutral","sentiment_score":0.2115042805671692},{"word":"documents","start":1759.9,"end":1760.38,"confidence":0.99346805,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.1715785562992096},{"word":"it's","start":1760.38,"end":1760.54,"confidence":0.9989726,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2597980797290802},{"word":"just","start":1760.54,"end":1760.7001,"confidence":0.99462163,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23125799000263217},{"word":"a","start":1760.7001,"end":1760.78,"confidence":0.5078303,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2602890133857727},{"word":"bit","start":1760.78,"end":1760.86,"confidence":0.99971324,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.25036683678627014},{"word":"of","start":1760.86,"end":1761.02,"confidence":0.99940205,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20610031485557556},{"word":"an","start":1761.02,"end":1761.18,"confidence":0.99927324,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1702086478471756},{"word":"updated","start":1761.18,"end":1761.66,"confidence":0.9923132,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.20057958364486697},{"word":"version","start":1761.66,"end":1762.06,"confidence":0.9985914,"punctuated_word":"version.","sentiment":"neutral","sentiment_score":0.2241426408290863},{"word":"we've","start":1762.06,"end":1762.3,"confidence":0.9993235,"punctuated_word":"We've","sentiment":"positive","sentiment_score":0.47239404916763306},{"word":"had","start":1762.3,"end":1762.4601,"confidence":0.9850745,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4840775430202484},{"word":"some","start":1762.4601,"end":1762.62,"confidence":0.99242437,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.4868663251399994},{"word":"changes","start":1762.62,"end":1763.02,"confidence":0.99776673,"punctuated_word":"changes","sentiment":"positive","sentiment_score":0.603602945804596},{"word":"to","start":1763.02,"end":1763.18,"confidence":0.9910058,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5820385217666626},{"word":"our","start":1763.18,"end":1763.3401,"confidence":0.9855327,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.5881660580635071},{"word":"marketing","start":1763.3401,"end":1763.74,"confidence":0.9833952,"punctuated_word":"marketing,","sentiment":"positive","sentiment_score":0.4417192935943603},{"word":"which","start":1763.74,"end":1763.9,"confidence":0.9997979,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5637734532356262},{"word":"is","start":1763.9,"end":1764.06,"confidence":0.99954957,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6567661762237549},{"word":"great","start":1764.06,"end":1764.54,"confidence":0.93307674,"punctuated_word":"great,","sentiment":"positive","sentiment_score":0.6065471768379211},{"word":"and","start":1764.7001,"end":1764.86,"confidence":0.99973303,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.45187193155288696},{"word":"also","start":1764.86,"end":1765.02,"confidence":0.8560328,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.452815055847168},{"word":"a","start":1765.02,"end":1765.18,"confidence":0.8781526,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4445196986198426},{"word":"bit","start":1765.18,"end":1765.3401,"confidence":0.9996426,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.45889896154403687},{"word":"of","start":1765.3401,"end":1765.5,"confidence":0.99895084,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4218276143074035},{"word":"an","start":1765.5,"end":1765.66,"confidence":0.9988796,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.40175336599349976},{"word":"extension","start":1765.66,"end":1766.06,"confidence":0.9978942,"punctuated_word":"extension","sentiment":"positive","sentiment_score":0.5028724074363708},{"word":"to","start":1766.06,"end":1766.2201,"confidence":0.9352358,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4467305541038513},{"word":"the","start":1766.2201,"end":1766.38,"confidence":0.99921906,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4184792339801788},{"word":"team","start":1766.38,"end":1766.78,"confidence":0.9928428,"punctuated_word":"team.","sentiment":"positive","sentiment_score":0.38213205337524414},{"word":"so","start":1766.78,"end":1766.9401,"confidence":0.8634569,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2889532148838043},{"word":"if","start":1766.9401,"end":1767.1001,"confidence":0.99915826,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.32166895270347595},{"word":"you","start":1767.1001,"end":1767.26,"confidence":0.9998795,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3068932592868805},{"word":"wanna","start":1767.26,"end":1767.5,"confidence":0.99202514,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.29588934779167175},{"word":"have","start":1767.5,"end":1767.74,"confidence":0.99978477,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2793916165828705},{"word":"a","start":1767.74,"end":1767.8201,"confidence":0.9982834,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24869239330291748},{"word":"read","start":1767.8201,"end":1768.14,"confidence":0.99729604,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.2065887451171875},{"word":"over","start":1768.14,"end":1768.64,"confidence":0.94772434,"punctuated_word":"over,","sentiment":"neutral","sentiment_score":0.2682632803916931},{"word":"those","start":1769.18,"end":1769.5,"confidence":0.999443,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.32781606912612915},{"word":"two","start":1769.5,"end":1769.8201,"confidence":0.83456534,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.2878659963607788},{"word":"it's","start":1769.8201,"end":1770.06,"confidence":0.9996318,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3256112337112427},{"word":"all","start":1770.06,"end":1770.3,"confidence":0.9997925,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3554830551147461},{"word":"in","start":1770.3,"end":1770.54,"confidence":0.99987507,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3010730445384979},{"word":"there","start":1770.54,"end":1770.78,"confidence":0.9996387,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3450901508331299},{"word":"for","start":1770.78,"end":1771.02,"confidence":0.9997414,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29518789052963257},{"word":"you","start":1771.02,"end":1771.18,"confidence":0.8689381,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.20591214299201965},{"word":"again","start":1771.18,"end":1771.68,"confidence":0.997868,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.22236503660678864},{"word":"just","start":1771.9451,"end":1772.105,"confidence":0.9989423,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23533663153648376},{"word":"if","start":1772.105,"end":1772.265,"confidence":0.9832223,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2465268671512604},{"word":"you","start":1772.265,"end":1772.505,"confidence":0.9992756,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22655722498893735},{"word":"want","start":1772.505,"end":1772.745,"confidence":0.94362324,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.19094142317771912},{"word":"to","start":1772.745,"end":1772.985,"confidence":0.5620713,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.18096712231636047},{"word":"but","start":1772.985,"end":1773.145,"confidence":0.99805534,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.17376989126205444},{"word":"all","start":1773.145,"end":1773.385,"confidence":0.9988543,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2373619079589844},{"word":"the","start":1773.385,"end":1773.4651,"confidence":0.9770711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19963492453098297},{"word":"important","start":1773.4651,"end":1773.865,"confidence":0.99736446,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.17552869021892548},{"word":"information","start":1773.865,"end":1774.365,"confidence":0.9995066,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.23682449758052823},{"word":"about","start":1774.985,"end":1775.305,"confidence":0.98779404,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2057359218597412},{"word":"us","start":1775.305,"end":1775.545,"confidence":0.99527407,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.21494244039058685},{"word":"is","start":1775.545,"end":1775.7051,"confidence":0.99681926,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2442600280046463},{"word":"in","start":1775.7051,"end":1775.9451,"confidence":0.9989219,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23973867297172544},{"word":"there","start":1775.9451,"end":1776.3451,"confidence":0.9992436,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.17890942096710205},{"word":"if","start":1776.3451,"end":1776.5851,"confidence":0.9989624,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.20400352776050568},{"word":"you","start":1776.5851,"end":1776.665,"confidence":0.99994504,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17788049578666687},{"word":"do","start":1776.665,"end":1776.8251,"confidence":0.99988556,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1265701800584793},{"word":"have","start":1776.8251,"end":1777.0651,"confidence":0.9999063,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14283952116966248},{"word":"a","start":1777.0651,"end":1777.145,"confidence":0.99715084,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13499929010868073},{"word":"read","start":1777.145,"end":1777.4651,"confidence":0.9998653,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.10693693161010742},{"word":"over","start":1777.4651,"end":1777.625,"confidence":0.9986156,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.155722513794899},{"word":"it","start":1777.625,"end":1778.125,"confidence":0.9941477,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1382434368133545},{"word":"i'm","start":1778.3451,"end":1778.505,"confidence":0.9739803,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1391589492559433},{"word":"also","start":1778.505,"end":1778.905,"confidence":0.9730364,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0980973169207573},{"word":"there","start":1778.905,"end":1779.225,"confidence":0.9974775,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1166878491640091},{"word":"on","start":1779.225,"end":1779.385,"confidence":0.99924195,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1181701198220253},{"word":"page","start":1779.385,"end":1779.785,"confidence":0.99979347,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.12129127234220503},{"word":"10","start":1779.785,"end":1780.025,"confidence":0.99078393,"punctuated_word":"10,","sentiment":"neutral","sentiment_score":0.09806971251964568},{"word":"i","start":1780.025,"end":1780.185,"confidence":0.9998958,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11972986161708832},{"word":"believe","start":1780.185,"end":1780.425,"confidence":0.98913187,"punctuated_word":"believe,","sentiment":"neutral","sentiment_score":0.09413333237171172},{"word":"in","start":1780.425,"end":1780.5851,"confidence":0.94212687,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12514474987983704},{"word":"the","start":1780.5851,"end":1780.745,"confidence":0.9996215,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13963009417057037},{"word":"big","start":1780.745,"end":1780.985,"confidence":0.9985745,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.15697422623634338},{"word":"document","start":1780.985,"end":1781.305,"confidence":0.9285872,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.1539371907711029},{"word":"if","start":1781.305,"end":1781.4651,"confidence":0.60458934,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.131832093000412},{"word":"you","start":1781.4651,"end":1781.625,"confidence":0.99946207,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11008249968290328},{"word":"do","start":1781.625,"end":1781.7051,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09568743407726288},{"word":"wanna","start":1781.7051,"end":1781.9451,"confidence":0.9923463,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1281939446926117},{"word":"put","start":1781.9451,"end":1782.105,"confidence":0.9963491,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.09353135526180267},{"word":"a","start":1782.105,"end":1782.265,"confidence":0.99092203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10123379528522491},{"word":"face","start":1782.265,"end":1782.425,"confidence":0.9942264,"punctuated_word":"face","sentiment":"neutral","sentiment_score":0.11216582357883452},{"word":"to","start":1782.425,"end":1782.5851,"confidence":0.9969614,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07637919485569},{"word":"the","start":1782.5851,"end":1782.745,"confidence":0.9230843,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09237895905971528},{"word":"voice","start":1782.745,"end":1783.245,"confidence":0.65526116,"punctuated_word":"voice.","sentiment":"neutral","sentiment_score":0.10405981540679932},{"word":"perfect","start":1785.56,"end":1785.9601,"confidence":0.9973052,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.23082153499126432},{"word":"and","start":1785.9601,"end":1786.28,"confidence":0.99970716,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1954168975353241},{"word":"the","start":1786.28,"end":1786.4401,"confidence":0.99969065,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17195048928260803},{"word":"last","start":1786.4401,"end":1786.68,"confidence":0.9999244,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.12559741735458374},{"word":"thing","start":1786.68,"end":1787.0,"confidence":0.9997631,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1943897008895874},{"word":"is","start":1787.0,"end":1787.16,"confidence":0.99965024,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18201281130313873},{"word":"that","start":1787.16,"end":1787.64,"confidence":0.9992347,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1534685641527176},{"word":"when","start":1787.64,"end":1787.88,"confidence":0.97533345,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.18060091137886047},{"word":"you","start":1787.88,"end":1788.12,"confidence":0.9999044,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2109791040420532},{"word":"then","start":1788.12,"end":1788.4401,"confidence":0.99811304,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14401410520076752},{"word":"click","start":1788.4401,"end":1788.8401,"confidence":0.99942267,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.16068151593208313},{"word":"on","start":1788.8401,"end":1789.0,"confidence":0.9998136,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1759883314371109},{"word":"the","start":1789.0,"end":1789.16,"confidence":0.9996816,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1629662662744522},{"word":"link","start":1789.16,"end":1789.66,"confidence":0.9989456,"punctuated_word":"link,","sentiment":"neutral","sentiment_score":0.1365354061126709},{"word":"it","start":1789.88,"end":1790.04,"confidence":0.7881185,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18042372167110443},{"word":"will","start":1790.04,"end":1790.2001,"confidence":0.99643266,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1549946665763855},{"word":"just","start":1790.2001,"end":1790.4401,"confidence":0.99976844,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1608620136976242},{"word":"be","start":1790.4401,"end":1790.68,"confidence":0.9998599,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16260118782520294},{"word":"asking","start":1790.68,"end":1791.0,"confidence":0.9950067,"punctuated_word":"asking","sentiment":"neutral","sentiment_score":0.14806336164474487},{"word":"you","start":1791.0,"end":1791.24,"confidence":0.9996176,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18169032037258148},{"word":"to","start":1791.24,"end":1791.4,"confidence":0.99948287,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15551644563674927},{"word":"sign","start":1791.4,"end":1791.7201,"confidence":0.9988984,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.13099680840969086},{"word":"through","start":1791.7201,"end":1792.04,"confidence":0.96183574,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14252431690692902},{"word":"documents","start":1792.04,"end":1792.54,"confidence":0.98029816,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.13440051674842834},{"word":"now","start":1792.92,"end":1793.16,"confidence":0.99979204,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.3424396514892578},{"word":"that","start":1793.16,"end":1793.3201,"confidence":0.9965732,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4095064103603363},{"word":"is","start":1793.3201,"end":1793.56,"confidence":0.99991,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4253573715686798},{"word":"your","start":1793.56,"end":1793.88,"confidence":0.9993899,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.44743630290031433},{"word":"ongoing","start":1793.88,"end":1794.38,"confidence":0.99948186,"punctuated_word":"ongoing","sentiment":"positive","sentiment_score":0.4479030966758728},{"word":"service","start":1794.6001,"end":1795.1001,"confidence":0.9997676,"punctuated_word":"service","sentiment":"positive","sentiment_score":0.3812458217144013},{"word":"agreement","start":1795.24,"end":1795.74,"confidence":0.99104387,"punctuated_word":"agreement,","sentiment":"positive","sentiment_score":0.44940924644470215},{"word":"which","start":1795.8,"end":1796.04,"confidence":0.99989974,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.44841399788856506},{"word":"is","start":1796.04,"end":1796.2001,"confidence":0.9972191,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4155821204185486},{"word":"just","start":1796.2001,"end":1796.3601,"confidence":0.9984396,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4828996062278747},{"word":"to","start":1796.3601,"end":1796.52,"confidence":0.99823296,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4445532560348511},{"word":"say","start":1796.52,"end":1796.68,"confidence":0.9997049,"punctuated_word":"say","sentiment":"positive","sentiment_score":0.473535031080246},{"word":"that","start":1796.68,"end":1796.8401,"confidence":0.9994112,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5662291049957275},{"word":"you","start":1796.8401,"end":1797.0,"confidence":0.99992704,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6960121393203735},{"word":"are","start":1797.0,"end":1797.16,"confidence":0.9987562,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.7535746097564697},{"word":"happy","start":1797.16,"end":1797.4801,"confidence":0.9999759,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.7380647659301758},{"word":"to","start":1797.4801,"end":1797.7201,"confidence":0.99916816,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6793540716171265},{"word":"stay","start":1797.7201,"end":1797.9601,"confidence":0.9977842,"punctuated_word":"stay","sentiment":"positive","sentiment_score":0.6614212393760681},{"word":"on","start":1797.9601,"end":1798.2001,"confidence":0.99682176,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6427179574966431},{"word":"as","start":1798.2001,"end":1798.3601,"confidence":0.94735223,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.7146576046943665},{"word":"a","start":1798.3601,"end":1798.52,"confidence":0.91692716,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7154780626296997},{"word":"client","start":1798.52,"end":1798.8401,"confidence":0.919752,"punctuated_word":"client,","sentiment":"positive","sentiment_score":0.6337927579879761},{"word":"and","start":1798.8401,"end":1799.0,"confidence":0.9997696,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4892379939556122},{"word":"we","start":1799.0,"end":1799.16,"confidence":0.9999553,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.533610463142395},{"word":"can","start":1799.16,"end":1799.3201,"confidence":0.9990007,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6062250137329102},{"word":"keep","start":1799.3201,"end":1799.685,"confidence":0.9997253,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.6599375605583191},{"word":"servicing","start":1799.8451,"end":1800.3451,"confidence":0.9975623,"punctuated_word":"servicing","sentiment":"positive","sentiment_score":0.6278993487358093},{"word":"you","start":1800.885,"end":1801.385,"confidence":0.9832803,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5266968011856079},{"word":"but","start":1801.525,"end":1801.685,"confidence":0.8335543,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2184864580631256},{"word":"as","start":1801.685,"end":1801.925,"confidence":0.978785,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11861980706453323},{"word":"with","start":1801.925,"end":1802.0851,"confidence":0.8783787,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19462986290454865},{"word":"any","start":1802.0851,"end":1802.3251,"confidence":0.93631047,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.17106160521507263},{"word":"time","start":1802.3251,"end":1802.7251,"confidence":0.99439913,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.12374449521303175},{"word":"it","start":1802.7251,"end":1802.9651,"confidence":0.9997012,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10942748188972472},{"word":"is","start":1802.9651,"end":1803.125,"confidence":0.9998124,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03175070136785507},{"word":"not","start":1803.125,"end":1803.3651,"confidence":0.99984336,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.027871057391166687},{"word":"a","start":1803.3651,"end":1803.525,"confidence":0.98385566,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04439213871955872},{"word":"lock","start":1803.525,"end":1803.765,"confidence":0.43799564,"punctuated_word":"lock","sentiment":"neutral","sentiment_score":-0.014234475791454315},{"word":"in","start":1803.765,"end":1804.005,"confidence":0.9986915,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02824411541223526},{"word":"contract","start":1804.005,"end":1804.4851,"confidence":0.96286225,"punctuated_word":"contract.","sentiment":"neutral","sentiment_score":0.03780472278594971},{"word":"so","start":1804.4851,"end":1804.645,"confidence":0.974398,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08480139076709747},{"word":"if","start":1804.645,"end":1804.805,"confidence":0.9877879,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09171617031097412},{"word":"at","start":1804.805,"end":1804.9651,"confidence":0.9926802,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02187974750995636},{"word":"any","start":1804.9651,"end":1805.2051,"confidence":0.9995197,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03549531102180481},{"word":"point","start":1805.2051,"end":1805.4451,"confidence":0.9996916,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.052398599684238434},{"word":"in","start":1805.4451,"end":1805.685,"confidence":0.998281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0652647614479065},{"word":"time","start":1805.685,"end":1806.185,"confidence":0.9997135,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.04338527470827103},{"word":"you","start":1806.4851,"end":1806.645,"confidence":0.5328081,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10127991437911989},{"word":"are","start":1806.645,"end":1806.805,"confidence":0.9966041,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.05381748080253601},{"word":"not","start":1806.805,"end":1807.045,"confidence":0.9997497,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.11213113367557526},{"word":"happy","start":1807.045,"end":1807.4451,"confidence":0.9977976,"punctuated_word":"happy,","sentiment":"neutral","sentiment_score":-0.028837911784648895},{"word":"there","start":1807.4451,"end":1807.6051,"confidence":0.9998579,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.025407209992408752},{"word":"is","start":1807.6051,"end":1807.8451,"confidence":0.9994516,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02483094483613968},{"word":"no","start":1807.8451,"end":1808.0851,"confidence":0.9984875,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.012524567544460297},{"word":"lock","start":1808.0851,"end":1808.2451,"confidence":0.9496303,"punctuated_word":"lock","sentiment":"neutral","sentiment_score":-0.03350316360592842},{"word":"in","start":1808.2451,"end":1808.4851,"confidence":0.999413,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.058190904557704926},{"word":"contract","start":1808.4851,"end":1808.9651,"confidence":0.9747655,"punctuated_word":"contract.","sentiment":"neutral","sentiment_score":0.04543832689523697},{"word":"but","start":1808.9651,"end":1809.125,"confidence":0.7611848,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.20541009306907657},{"word":"otherwise","start":1809.125,"end":1809.525,"confidence":0.9989627,"punctuated_word":"otherwise,","sentiment":"neutral","sentiment_score":0.25940388441085815},{"word":"this","start":1809.525,"end":1809.765,"confidence":0.9238843,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3608631193637848},{"word":"essentially","start":1809.765,"end":1810.2451,"confidence":0.9553232,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.323056161403656},{"word":"just","start":1810.2451,"end":1810.405,"confidence":0.8922266,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.35860729217529297},{"word":"lets","start":1810.405,"end":1810.645,"confidence":0.8685569,"punctuated_word":"lets","sentiment":"positive","sentiment_score":0.3871387839317322},{"word":"us","start":1810.645,"end":1810.805,"confidence":0.7566552,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.374371200799942},{"word":"service","start":1810.805,"end":1811.2051,"confidence":0.9786935,"punctuated_word":"service","sentiment":"positive","sentiment_score":0.3834059238433838},{"word":"you","start":1811.2051,"end":1811.685,"confidence":0.99660057,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5401656031608582},{"word":"make","start":1811.685,"end":1811.925,"confidence":0.8182015,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.512140691280365},{"word":"these","start":1811.925,"end":1812.165,"confidence":0.99857354,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.4740583598613739},{"word":"changes","start":1812.165,"end":1812.645,"confidence":0.99978393,"punctuated_word":"changes","sentiment":"positive","sentiment_score":0.4113008975982666},{"word":"and","start":1812.645,"end":1812.805,"confidence":0.9962618,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4860685467720032},{"word":"everything","start":1812.805,"end":1813.2051,"confidence":0.99995947,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.4722513258457184},{"word":"for","start":1813.2051,"end":1813.3651,"confidence":0.99985945,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4472551941871643},{"word":"you","start":1813.3651,"end":1813.8651,"confidence":0.8254549,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2972709536552429},{"word":"otherwise","start":1813.925,"end":1814.425,"confidence":0.9755204,"punctuated_word":"otherwise.","sentiment":"neutral","sentiment_score":0.23039276897907257},{"word":"and","start":1816.57,"end":1816.73,"confidence":0.99717677,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2630927264690399},{"word":"then","start":1816.73,"end":1817.21,"confidence":0.9600115,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.27625328302383423},{"word":"and","start":1817.21,"end":1817.37,"confidence":0.99540776,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2666274309158325},{"word":"then","start":1817.37,"end":1817.61,"confidence":0.9997814,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.26974982023239136},{"word":"the","start":1817.61,"end":1817.77,"confidence":0.99693656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2625996768474579},{"word":"last","start":1817.77,"end":1818.01,"confidence":0.99845207,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.20108632743358612},{"word":"thing","start":1818.01,"end":1818.1699,"confidence":0.9988588,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.2471359819173813},{"word":"is","start":1818.1699,"end":1818.41,"confidence":0.9207332,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22140510380268097},{"word":"just","start":1818.41,"end":1818.57,"confidence":0.9911668,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2682560980319977},{"word":"a","start":1818.57,"end":1818.73,"confidence":0.9993979,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2702239751815796},{"word":"tax","start":1818.73,"end":1819.0499,"confidence":0.99511945,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.3391130864620209},{"word":"file","start":1819.0499,"end":1819.29,"confidence":0.97830236,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.23920562863349917},{"word":"number","start":1819.29,"end":1819.61,"confidence":0.9940238,"punctuated_word":"number.","sentiment":"neutral","sentiment_score":0.23166972398757937},{"word":"it's","start":1819.61,"end":1819.77,"confidence":0.9828969,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2421058863401413},{"word":"just","start":1819.77,"end":1819.9299,"confidence":0.99792176,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2642219364643097},{"word":"a","start":1819.9299,"end":1820.09,"confidence":0.99891055,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26472896337509155},{"word":"compliance","start":1820.09,"end":1820.57,"confidence":0.9944977,"punctuated_word":"compliance","sentiment":"neutral","sentiment_score":0.2993215024471283},{"word":"document","start":1820.57,"end":1820.97,"confidence":0.80231786,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.28925758600234985},{"word":"basically","start":1820.97,"end":1821.37,"confidence":0.93493676,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.31183019280433655},{"word":"to","start":1821.37,"end":1821.53,"confidence":0.9899678,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29944509267807007},{"word":"say","start":1821.53,"end":1821.69,"confidence":0.9899092,"punctuated_word":"say","sentiment":"positive","sentiment_score":0.3377802073955536},{"word":"that","start":1821.69,"end":1821.85,"confidence":0.9993082,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3710923492908478},{"word":"we","start":1821.85,"end":1822.01,"confidence":0.99946576,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3765222728252411},{"word":"do","start":1822.01,"end":1822.25,"confidence":0.9997726,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.39945363998413086},{"word":"keep","start":1822.25,"end":1822.49,"confidence":0.9997279,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.38032910227775574},{"word":"your","start":1822.49,"end":1822.65,"confidence":0.99933356,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4076087474822998},{"word":"tax","start":1822.65,"end":1822.89,"confidence":0.99800164,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.4176448583602905},{"word":"file","start":1822.89,"end":1823.0499,"confidence":0.86068857,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.31950950622558594},{"word":"number","start":1823.0499,"end":1823.37,"confidence":0.9706351,"punctuated_word":"number","sentiment":"positive","sentiment_score":0.44973042607307434},{"word":"secure","start":1823.37,"end":1823.77,"confidence":0.9501847,"punctuated_word":"secure","sentiment":"neutral","sentiment_score":0.3078645169734955},{"word":"on","start":1823.77,"end":1824.01,"confidence":0.9995567,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3729179203510285},{"word":"file","start":1824.01,"end":1824.51,"confidence":0.9475254,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.2953595221042633},{"word":"and","start":1824.65,"end":1824.8099,"confidence":0.9970674,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2346702516078949},{"word":"that","start":1824.8099,"end":1824.97,"confidence":0.99813807,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2251865416765213},{"word":"was","start":1824.97,"end":1825.21,"confidence":0.98993075,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.23125645518302915},{"word":"essentially","start":1825.21,"end":1825.71,"confidence":0.96587837,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.2112780511379242},{"word":"all","start":1825.77,"end":1826.01,"confidence":0.99854636,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.218001052737236},{"word":"those","start":1826.01,"end":1826.41,"confidence":0.9877293,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.26594263315200806},{"word":"documents","start":1826.41,"end":1826.91,"confidence":0.99639404,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.17627255618572235},{"word":"do","start":1827.9299,"end":1828.09,"confidence":0.99541205,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.08913002908229828},{"word":"you","start":1828.09,"end":1828.25,"confidence":0.999943,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11222580075263976},{"word":"have","start":1828.25,"end":1828.41,"confidence":0.99990916,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11249243468046188},{"word":"any","start":1828.41,"end":1828.65,"confidence":0.9998623,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08831073343753815},{"word":"other","start":1828.65,"end":1828.89,"confidence":0.99891996,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07200087606906891},{"word":"questions","start":1828.89,"end":1829.39,"confidence":0.9992213,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.0711563378572464},{"word":"for","start":1829.45,"end":1829.69,"confidence":0.9967139,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0916191190481186},{"word":"me","start":1829.69,"end":1830.01,"confidence":0.9995737,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.1007404923439026},{"word":"adam","start":1830.01,"end":1830.51,"confidence":0.99937284,"punctuated_word":"Adam?","sentiment":"neutral","sentiment_score":0.09963122755289078},{"word":"no","start":1832.5449,"end":1832.945,"confidence":0.959751,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":0.04929476976394653},{"word":"perfect","start":1832.945,"end":1833.445,"confidence":0.9991704,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4153655171394348},{"word":"there","start":1833.6649,"end":1833.9049,"confidence":0.9957545,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.1962924301624298},{"word":"is","start":1833.9049,"end":1834.065,"confidence":0.99234045,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17422997951507568},{"word":"one","start":1834.065,"end":1834.1449,"confidence":0.9996437,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.21983323991298676},{"word":"thing","start":1834.1449,"end":1834.385,"confidence":0.9999397,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.2042508125305176},{"word":"i","start":1834.385,"end":1834.5449,"confidence":0.9994005,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1623276025056839},{"word":"do","start":1834.5449,"end":1834.705,"confidence":0.9987274,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20406155288219452},{"word":"wanted","start":1834.705,"end":1834.945,"confidence":0.96175677,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.12771864235401154},{"word":"to","start":1834.945,"end":1835.105,"confidence":0.999273,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11571520566940308},{"word":"quickly","start":1835.105,"end":1835.585,"confidence":0.9997991,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.18004849553108215},{"word":"check","start":1835.585,"end":1835.985,"confidence":0.99957436,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.17918935418128967},{"word":"with","start":1835.985,"end":1836.225,"confidence":0.99904615,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17053082585334778},{"word":"you","start":1836.225,"end":1836.725,"confidence":0.9998752,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15605875849723816},{"word":"is","start":1837.1849,"end":1837.345,"confidence":0.55545497,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1740218997001648},{"word":"that","start":1837.345,"end":1837.6649,"confidence":0.99901676,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07705952227115631},{"word":"i","start":1837.6649,"end":1837.745,"confidence":0.9620483,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06787070631980896},{"word":"know","start":1837.745,"end":1837.985,"confidence":0.99942786,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.062378834933042526},{"word":"you've","start":1837.985,"end":1838.225,"confidence":0.99964654,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.05288481339812279},{"word":"been","start":1838.225,"end":1838.465,"confidence":0.9997788,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.02295092865824699},{"word":"speaking","start":1838.465,"end":1838.865,"confidence":0.9996007,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.03541266545653343},{"word":"to","start":1838.865,"end":1839.0249,"confidence":0.9991141,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0479094460606575},{"word":"my","start":1839.0249,"end":1839.265,"confidence":0.99967813,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.0621715635061264},{"word":"colleague","start":1839.265,"end":1839.745,"confidence":0.79725254,"punctuated_word":"colleague,","sentiment":"neutral","sentiment_score":0.08487576991319656},{"word":"jack","start":1839.745,"end":1840.245,"confidence":0.9675977,"punctuated_word":"Jack,","sentiment":"neutral","sentiment_score":0.07447880506515503},{"word":"in","start":1840.5449,"end":1840.7849,"confidence":0.9620545,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07013200223445892},{"word":"regards","start":1840.7849,"end":1841.1849,"confidence":0.9718238,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.05025672912597656},{"word":"to","start":1841.1849,"end":1841.345,"confidence":0.9908812,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06724940240383148},{"word":"potentially","start":1841.345,"end":1841.845,"confidence":0.9671569,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.042246464639902115},{"word":"do","start":1842.945,"end":1843.105,"confidence":0.57081294,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07929222285747528},{"word":"you","start":1843.105,"end":1843.1849,"confidence":0.99964595,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05619489401578903},{"word":"know","start":1843.1849,"end":1843.345,"confidence":0.9998927,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.031946033239364624},{"word":"what","start":1843.345,"end":1843.505,"confidence":0.9990195,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.049394186586141586},{"word":"that's","start":1843.505,"end":1843.745,"confidence":0.9979696,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.046826981008052826},{"word":"about","start":1843.745,"end":1844.245,"confidence":0.99725056,"punctuated_word":"about?","sentiment":"neutral","sentiment_score":0.03421373665332794},{"word":"do","start":1846.63,"end":1846.87,"confidence":0.9890863,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.010180406272411346},{"word":"you","start":1846.87,"end":1847.19,"confidence":0.9996418,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0027770958840847015},{"word":"want","start":1847.19,"end":1847.4299,"confidence":0.9990287,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.007624935358762741},{"word":"to","start":1847.4299,"end":1847.75,"confidence":0.91940045,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.005440521985292435},{"word":"go","start":1847.75,"end":1848.23,"confidence":0.9966102,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.003119073808193207},{"word":"down","start":1848.23,"end":1848.73,"confidence":0.99856794,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.006445012986660004},{"word":"that","start":1849.11,"end":1849.51,"confidence":0.9885267,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.016814470291137695},{"word":"and","start":1849.51,"end":1849.75,"confidence":0.6806044,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.020032059401273727},{"word":"having","start":1849.75,"end":1850.07,"confidence":0.99900633,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.004094481468200684},{"word":"a","start":1850.07,"end":1850.15,"confidence":0.99589264,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0045049116015434265},{"word":"look","start":1850.15,"end":1850.47,"confidence":0.9999577,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.021787874400615692},{"word":"at","start":1850.47,"end":1850.5499,"confidence":0.9994017,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.035529837012290955},{"word":"getting","start":1850.5499,"end":1850.87,"confidence":0.999821,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.03794814646244049},{"word":"that","start":1850.87,"end":1851.11,"confidence":0.99683565,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.042038969695568085},{"word":"back","start":1851.11,"end":1851.35,"confidence":0.9981444,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.11434129625558852},{"word":"exclusion","start":1851.35,"end":1851.85,"confidence":0.99828583,"punctuated_word":"exclusion","sentiment":"neutral","sentiment_score":-0.17797669768333435},{"word":"removed","start":1851.99,"end":1852.49,"confidence":0.8266572,"punctuated_word":"removed,","sentiment":"neutral","sentiment_score":-0.08135435730218887},{"word":"or","start":1852.5499,"end":1852.7899,"confidence":0.9994791,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03600575029850006},{"word":"what","start":1852.7899,"end":1852.95,"confidence":0.9991442,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.029644954949617382},{"word":"are","start":1852.95,"end":1853.03,"confidence":0.9776478,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0437408909201622},{"word":"you","start":1853.03,"end":1853.35,"confidence":0.9997296,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01889970153570175},{"word":"what","start":1853.35,"end":1853.59,"confidence":0.9977798,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03381304442882538},{"word":"are","start":1853.59,"end":1853.75,"confidence":0.99934834,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.026211827993392944},{"word":"you","start":1853.75,"end":1853.9099,"confidence":0.9990025,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02716691792011261},{"word":"feeling","start":1853.9099,"end":1854.4099,"confidence":0.99969506,"punctuated_word":"feeling?","sentiment":"neutral","sentiment_score":-0.05990082025527954},{"word":"no","start":1858.645,"end":1858.965,"confidence":0.831427,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.18108098208904264},{"word":"okay","start":1858.965,"end":1859.465,"confidence":0.9978893,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.11221621930599213},{"word":"just","start":1860.005,"end":1860.325,"confidence":0.99765754,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.1185867190361023},{"word":"let","start":1860.325,"end":1860.485,"confidence":0.9998765,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.10917380452156068},{"word":"me","start":1860.485,"end":1860.645,"confidence":0.9998092,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.08164340257644653},{"word":"know","start":1860.645,"end":1860.8049,"confidence":0.999931,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.09486201405525208},{"word":"if","start":1860.8049,"end":1860.965,"confidence":0.9974004,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1284777820110321},{"word":"it","start":1860.965,"end":1861.045,"confidence":0.9155361,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13627448678016665},{"word":"does","start":1861.045,"end":1861.205,"confidence":0.9833612,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.10285095125436784},{"word":"take","start":1861.205,"end":1861.365,"confidence":0.576271,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.10014630854129793},{"word":"i","start":1861.445,"end":1861.525,"confidence":0.9983941,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1142016127705574},{"word":"know","start":1861.525,"end":1861.6849,"confidence":0.9904755,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.15771116316318512},{"word":"it's","start":1861.6849,"end":1862.1849,"confidence":0.99499345,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.19427697360515592},{"word":"a","start":1862.565,"end":1862.645,"confidence":0.9711901,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2020415961742401},{"word":"a","start":1862.645,"end":1862.725,"confidence":0.91913575,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.26333609223365784},{"word":"tedious","start":1862.725,"end":1863.225,"confidence":0.99059814,"punctuated_word":"tedious","sentiment":"negative","sentiment_score":-0.36811691522598267},{"word":"thing","start":1863.365,"end":1863.6849,"confidence":0.99701214,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.3023349642753601},{"word":"sometimes","start":1863.6849,"end":1864.1849,"confidence":0.93167174,"punctuated_word":"sometimes,","sentiment":"neutral","sentiment_score":-0.30238983035087585},{"word":"and","start":1864.245,"end":1864.485,"confidence":0.99849486,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.25156694650650024},{"word":"the","start":1864.485,"end":1864.565,"confidence":0.95870453,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.33764219284057617},{"word":"insurer","start":1864.565,"end":1864.965,"confidence":0.65865916,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":-0.3231736123561859},{"word":"can","start":1864.965,"end":1865.205,"confidence":0.9916666,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2861909568309784},{"word":"be","start":1865.205,"end":1865.365,"confidence":0.99891675,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.27439796924591064},{"word":"a","start":1865.365,"end":1865.445,"confidence":0.999509,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2604396939277649},{"word":"bit","start":1865.445,"end":1865.945,"confidence":0.9995427,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2105734795331955},{"word":"particular","start":1866.245,"end":1866.745,"confidence":0.8502307,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":-0.2638978958129883},{"word":"with","start":1866.885,"end":1867.045,"confidence":0.90395653,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.23706889152526855},{"word":"these","start":1867.045,"end":1867.205,"confidence":0.99387497,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.2181773781776428},{"word":"things","start":1867.205,"end":1867.705,"confidence":0.9965,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.2044576108455658},{"word":"they","start":1868.485,"end":1868.645,"confidence":0.6811438,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.20997266471385956},{"word":"are","start":1868.645,"end":1868.8049,"confidence":0.68209726,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2062738686800003},{"word":"obviously","start":1868.8049,"end":1869.3049,"confidence":0.908592,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.1534176617860794},{"word":"assessing","start":1869.365,"end":1869.865,"confidence":0.9982855,"punctuated_word":"assessing","sentiment":"neutral","sentiment_score":-0.2522028684616089},{"word":"risk","start":1870.005,"end":1870.505,"confidence":0.7607919,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.2338469922542572},{"word":"so","start":1871.045,"end":1871.285,"confidence":0.95864874,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.18178823590278623},{"word":"it","start":1871.285,"end":1871.445,"confidence":0.99884415,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.21366243064403537},{"word":"is","start":1871.445,"end":1871.6849,"confidence":0.99950624,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.24113428592681885},{"word":"a","start":1871.6849,"end":1871.765,"confidence":0.99980456,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2266063392162323},{"word":"bit","start":1871.765,"end":1872.005,"confidence":0.99959403,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.21543850004673004},{"word":"tedious","start":1872.005,"end":1872.505,"confidence":0.99965656,"punctuated_word":"tedious","sentiment":"neutral","sentiment_score":-0.248297855257988},{"word":"to","start":1872.645,"end":1872.885,"confidence":0.9978498,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2730294466018677},{"word":"do","start":1872.885,"end":1873.125,"confidence":0.99823797,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.2543136775493622},{"word":"if","start":1874.2999,"end":1874.46,"confidence":0.9963075,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.1874801069498062},{"word":"it","start":1874.46,"end":1874.7,"confidence":0.9992198,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1950567066669464},{"word":"is","start":1874.7,"end":1874.94,"confidence":0.99649006,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1679404228925705},{"word":"that","start":1874.94,"end":1875.1,"confidence":0.9959006,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19948925077915192},{"word":"we","start":1875.1,"end":1875.26,"confidence":0.9992448,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2009413540363312},{"word":"can","start":1875.26,"end":1875.74,"confidence":0.9999219,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2365955412387848},{"word":"get","start":1875.74,"end":1875.98,"confidence":0.99886537,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.2810782790184021},{"word":"a","start":1875.98,"end":1876.14,"confidence":0.9959812,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2220136821269989},{"word":"back","start":1876.14,"end":1876.38,"confidence":0.99867505,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.24722075462341309},{"word":"exclusion","start":1876.38,"end":1876.86,"confidence":0.9984262,"punctuated_word":"exclusion","sentiment":"neutral","sentiment_score":-0.23997563123703003},{"word":"removed","start":1876.86,"end":1877.36,"confidence":0.9930042,"punctuated_word":"removed,","sentiment":"neutral","sentiment_score":-0.2220508903264999},{"word":"it","start":1877.5,"end":1877.74,"confidence":0.9993413,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.20908649265766144},{"word":"is","start":1877.74,"end":1878.0599,"confidence":0.9990287,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16394448280334473},{"word":"always","start":1878.0599,"end":1878.38,"confidence":0.9990163,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.07759332656860352},{"word":"something","start":1878.38,"end":1878.78,"confidence":0.99976176,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.15594196319580078},{"word":"i","start":1878.78,"end":1878.86,"confidence":0.96088094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05955320596694946},{"word":"do","start":1878.86,"end":1879.1,"confidence":0.9992968,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.027432307600975037},{"word":"strongly","start":1879.1,"end":1879.6,"confidence":0.9993255,"punctuated_word":"strongly","sentiment":"neutral","sentiment_score":-0.06962177157402039},{"word":"suggest","start":1879.98,"end":1880.48,"confidence":0.99912447,"punctuated_word":"suggest","sentiment":"neutral","sentiment_score":-0.1422160267829895},{"word":"because","start":1880.54,"end":1881.02,"confidence":0.46298248,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0841430202126503},{"word":"if","start":1881.02,"end":1881.1799,"confidence":0.99889404,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07278218120336533},{"word":"something","start":1881.1799,"end":1881.5,"confidence":0.9997018,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.1530466377735138},{"word":"ever","start":1881.5,"end":1881.82,"confidence":0.99509096,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.0582573264837265},{"word":"were","start":1881.82,"end":1882.0599,"confidence":0.9854294,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.11940906941890717},{"word":"to","start":1882.0599,"end":1882.22,"confidence":0.9979227,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15247109532356262},{"word":"happen","start":1882.22,"end":1882.62,"confidence":0.99355537,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.20386359095573425},{"word":"to","start":1882.62,"end":1882.86,"confidence":0.99948657,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1752905547618866},{"word":"you","start":1882.86,"end":1883.36,"confidence":0.99991226,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15406832098960876},{"word":"and","start":1884.0599,"end":1884.22,"confidence":0.71443963,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09170017391443253},{"word":"you","start":1884.22,"end":1884.46,"confidence":0.9994578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06375135481357574},{"word":"do","start":1884.46,"end":1884.62,"confidence":0.9997929,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.023373499512672424},{"word":"have","start":1884.62,"end":1884.78,"confidence":0.99974877,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.13616496324539185},{"word":"the","start":1884.78,"end":1885.02,"confidence":0.58961064,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21696031093597412},{"word":"back","start":1885.02,"end":1885.26,"confidence":0.9997682,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.22021736204624176},{"word":"exclusion","start":1885.26,"end":1885.76,"confidence":0.9983646,"punctuated_word":"exclusion","sentiment":"neutral","sentiment_score":-0.20763729512691495},{"word":"and","start":1885.82,"end":1885.98,"confidence":0.95771044,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16411204636096954},{"word":"you","start":1885.98,"end":1886.14,"confidence":0.9999466,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1620727181434631},{"word":"don't","start":1886.14,"end":1886.46,"confidence":0.99993396,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0855744332075119},{"word":"get","start":1886.46,"end":1886.62,"confidence":0.9996631,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.12180276215076448},{"word":"covered","start":1886.62,"end":1887.02,"confidence":0.9716749,"punctuated_word":"covered,","sentiment":"neutral","sentiment_score":-0.08463867753744125},{"word":"especially","start":1887.02,"end":1887.5,"confidence":0.9958521,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":-0.05823817849159241},{"word":"if","start":1887.5,"end":1887.66,"confidence":0.9691732,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.033746711909770966},{"word":"there","start":1887.66,"end":1887.82,"confidence":0.99402136,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.010307341814041138},{"word":"is","start":1887.82,"end":1887.98,"confidence":0.9988739,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02773667871952057},{"word":"a","start":1887.98,"end":1888.14,"confidence":0.9953198,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.022447697818279263},{"word":"situation","start":1888.14,"end":1888.54,"confidence":0.99981433,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":-0.09546814858913422},{"word":"where","start":1888.54,"end":1888.7,"confidence":0.9959066,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.03548198938369751},{"word":"you","start":1888.7,"end":1888.86,"confidence":0.9997521,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.035578399896621704},{"word":"don't","start":1888.86,"end":1889.1,"confidence":0.99996847,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.02080382779240608},{"word":"have","start":1889.1,"end":1889.26,"confidence":0.9998908,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.057055458426475525},{"word":"any","start":1889.26,"end":1889.5,"confidence":0.9311767,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03407788276672363},{"word":"issues","start":1889.5,"end":1889.955,"confidence":0.9856653,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":-0.058203235268592834},{"word":"and","start":1890.0349,"end":1890.2749,"confidence":0.9964498,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06067296862602234},{"word":"you","start":1890.2749,"end":1890.4349,"confidence":0.9990325,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08053790032863617},{"word":"could","start":1890.4349,"end":1890.755,"confidence":0.99791723,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.12785586714744568},{"word":"be","start":1890.755,"end":1890.9149,"confidence":0.9989562,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06981834769248962},{"word":"covered","start":1890.9149,"end":1891.4149,"confidence":0.9928684,"punctuated_word":"covered.","sentiment":"neutral","sentiment_score":0.031135283410549164},{"word":"so","start":1891.875,"end":1892.2749,"confidence":0.99226683,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13469198346138},{"word":"have","start":1892.2749,"end":1892.595,"confidence":0.98440325,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08225645869970322},{"word":"a","start":1892.595,"end":1892.6749,"confidence":0.9923631,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1650826632976532},{"word":"think","start":1892.6749,"end":1892.995,"confidence":0.9982039,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.15855413675308228},{"word":"about","start":1892.995,"end":1893.235,"confidence":0.99972814,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.19786927103996277},{"word":"it","start":1893.235,"end":1893.735,"confidence":0.8301062,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14088374376296997},{"word":"and","start":1893.7949,"end":1894.0349,"confidence":0.9993304,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09199123084545135},{"word":"if","start":1894.0349,"end":1894.195,"confidence":0.9977138,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06632120907306671},{"word":"it","start":1894.195,"end":1894.2749,"confidence":0.7249608,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0720951110124588},{"word":"is","start":1894.2749,"end":1894.515,"confidence":0.996394,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05162329226732254},{"word":"something","start":1894.515,"end":1894.9149,"confidence":0.9998091,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.04145217686891556},{"word":"you","start":1894.9149,"end":1895.075,"confidence":0.99818796,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03236597776412964},{"word":"want","start":1895.075,"end":1895.575,"confidence":0.9990314,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.03718467429280281},{"word":"to","start":1895.835,"end":1896.335,"confidence":0.9613031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02786227315664291},{"word":"look","start":1896.595,"end":1896.835,"confidence":0.99583936,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.013244792819023132},{"word":"at","start":1896.835,"end":1897.075,"confidence":0.9990551,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.006286323070526123},{"word":"again","start":1897.075,"end":1897.475,"confidence":0.92173904,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.03277283161878586},{"word":"i","start":1897.475,"end":1897.5549,"confidence":0.9561375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06059455871582031},{"word":"yeah","start":1899.235,"end":1899.735,"confidence":0.98731685,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0723286122083664},{"word":"yeah","start":1903.09,"end":1903.49,"confidence":0.99564683,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.013740182854235172},{"word":"because","start":1903.49,"end":1903.99,"confidence":0.9856575,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.12146613746881484},{"word":"that's","start":1905.89,"end":1906.2899,"confidence":0.9963803,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.17361420392990112},{"word":"okay","start":1906.2899,"end":1906.69,"confidence":0.80718553,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.11822880059480669},{"word":"because","start":1906.69,"end":1907.19,"confidence":0.9961015,"punctuated_word":"Because","sentiment":"negative","sentiment_score":-0.3911825716495514},{"word":"what","start":1907.97,"end":1908.13,"confidence":0.85841435,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.5773328542709351},{"word":"i","start":1908.13,"end":1908.2899,"confidence":0.9996424,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.6078344583511353},{"word":"can","start":1908.2899,"end":1908.53,"confidence":0.99987304,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.6245489716529846},{"word":"do","start":1908.53,"end":1908.77,"confidence":0.9972907,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.40690353512763977},{"word":"otherwise","start":1908.77,"end":1909.27,"confidence":0.8532599,"punctuated_word":"otherwise","sentiment":"negative","sentiment_score":-0.406254529953003},{"word":"yes","start":1909.97,"end":1910.47,"confidence":0.9966098,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":-0.11891187727451324},{"word":"what","start":1910.53,"end":1910.77,"confidence":0.97747505,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.11820854246616364},{"word":"i","start":1910.77,"end":1910.85,"confidence":0.9996611,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15292271971702576},{"word":"can","start":1910.85,"end":1911.09,"confidence":0.99982834,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14350923895835876},{"word":"do","start":1911.09,"end":1911.33,"confidence":0.999964,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19934573769569397},{"word":"otherwise","start":1911.33,"end":1911.8099,"confidence":0.9342685,"punctuated_word":"otherwise","sentiment":"neutral","sentiment_score":0.15419626235961914},{"word":"to","start":1911.8099,"end":1912.0499,"confidence":0.55566734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1857621669769287},{"word":"make","start":1912.0499,"end":1912.21,"confidence":0.9994336,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.31163421273231506},{"word":"it","start":1912.21,"end":1912.37,"confidence":0.99953604,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28300464153289795},{"word":"easier","start":1912.37,"end":1912.77,"confidence":0.9899787,"punctuated_word":"easier","sentiment":"positive","sentiment_score":0.4108430445194245},{"word":"for","start":1912.77,"end":1913.01,"confidence":0.99936634,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.44555410742759705},{"word":"you","start":1913.01,"end":1913.1699,"confidence":0.86018455,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.28014880418777466},{"word":"if","start":1913.1699,"end":1913.33,"confidence":0.99827147,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3709644079208374},{"word":"you're","start":1913.33,"end":1913.57,"confidence":0.99496645,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5295673608779907},{"word":"happy","start":1913.57,"end":1914.07,"confidence":0.99562347,"punctuated_word":"happy,","sentiment":"positive","sentiment_score":0.4094837009906769},{"word":"i","start":1914.245,"end":1914.405,"confidence":0.9998642,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29150423407554626},{"word":"can","start":1914.405,"end":1914.5651,"confidence":0.9998567,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.33966755867004395},{"word":"just","start":1914.5651,"end":1914.805,"confidence":0.99984646,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.39140182733535767},{"word":"quickly","start":1914.805,"end":1915.305,"confidence":0.9999274,"punctuated_word":"quickly","sentiment":"positive","sentiment_score":0.4434772729873657},{"word":"transfer","start":1915.365,"end":1915.685,"confidence":0.9993975,"punctuated_word":"transfer","sentiment":"positive","sentiment_score":0.3867630064487457},{"word":"you","start":1915.685,"end":1915.8451,"confidence":0.9694595,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34930557012557983},{"word":"to","start":1915.8451,"end":1916.005,"confidence":0.99386805,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2843622863292694},{"word":"jack","start":1916.005,"end":1916.165,"confidence":0.8867866,"punctuated_word":"Jack,","sentiment":"neutral","sentiment_score":0.20723342895507812},{"word":"and","start":1916.165,"end":1916.405,"confidence":0.999746,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21664217114448547},{"word":"he","start":1916.405,"end":1916.5651,"confidence":0.9995977,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.2024216651916504},{"word":"can","start":1916.5651,"end":1916.7251,"confidence":0.9994254,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21001675724983215},{"word":"read","start":1916.7251,"end":1916.885,"confidence":0.95944893,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.2171940356492996},{"word":"you","start":1916.885,"end":1917.045,"confidence":0.9973539,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22467322647571564},{"word":"the","start":1917.045,"end":1917.2051,"confidence":0.9993486,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2476242631673813},{"word":"questions","start":1917.2051,"end":1917.605,"confidence":0.9943473,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.21277640759944916},{"word":"and","start":1917.605,"end":1917.765,"confidence":0.46314004,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1875060647726059},{"word":"you","start":1917.765,"end":1917.8451,"confidence":0.9981353,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18625296652317047},{"word":"can","start":1917.8451,"end":1918.0851,"confidence":0.99959904,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1720224916934967},{"word":"just","start":1918.0851,"end":1918.245,"confidence":0.9992317,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1932762861251831},{"word":"verbalize","start":1918.245,"end":1918.745,"confidence":0.99917096,"punctuated_word":"verbalize","sentiment":"neutral","sentiment_score":0.1404099464416504},{"word":"them","start":1918.805,"end":1919.285,"confidence":0.9432411,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.1605261266231537},{"word":"and","start":1919.285,"end":1919.525,"confidence":0.99846554,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.006773000583052635},{"word":"then","start":1919.525,"end":1919.685,"confidence":0.99984133,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0010411962866783142},{"word":"he","start":1919.685,"end":1919.765,"confidence":0.99790925,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.007057863287627697},{"word":"can","start":1919.765,"end":1920.005,"confidence":0.999828,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.007747378200292587},{"word":"just","start":1920.005,"end":1920.165,"confidence":0.9987802,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.014016831293702126},{"word":"send","start":1920.165,"end":1920.3251,"confidence":0.99962866,"punctuated_word":"send","sentiment":"neutral","sentiment_score":-0.01172354444861412},{"word":"it","start":1920.3251,"end":1920.485,"confidence":0.9895783,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.006284244358539581},{"word":"out","start":1920.485,"end":1920.7251,"confidence":0.9954391,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.005574461072683334},{"word":"to","start":1920.7251,"end":1920.9651,"confidence":0.9868917,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.012232612818479538},{"word":"sam","start":1920.9651,"end":1921.4651,"confidence":0.5815194,"punctuated_word":"Sam.","sentiment":"neutral","sentiment_score":-0.008549798280000687},{"word":"or","start":1921.925,"end":1922.0851,"confidence":0.79688746,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.04304257035255432},{"word":"do","start":1922.0851,"end":1922.245,"confidence":0.94220906,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.11785058677196504},{"word":"you","start":1922.245,"end":1922.3251,"confidence":0.99905807,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15089918673038483},{"word":"prefer","start":1922.3251,"end":1922.805,"confidence":0.9992803,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":-0.22801722586154935},{"word":"to","start":1922.805,"end":1922.9651,"confidence":0.9944753,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01224251464009285},{"word":"do","start":1922.9651,"end":1923.045,"confidence":0.93091124,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.015017013996839523},{"word":"okay","start":1923.605,"end":1924.105,"confidence":0.97155654,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.03152484446763992},{"word":"okay","start":1924.405,"end":1924.905,"confidence":0.9914312,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.005691969767212868},{"word":"no","start":1924.9651,"end":1925.2051,"confidence":0.988575,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07961039245128632},{"word":"that's","start":1925.2051,"end":1925.4451,"confidence":0.99729156,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.12199130654335022},{"word":"okay","start":1925.4451,"end":1925.9451,"confidence":0.9644546,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.09035970270633698},{"word":"okay","start":1927.78,"end":1928.28,"confidence":0.9987458,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0036576315760612488},{"word":"no","start":1929.62,"end":1929.8601,"confidence":0.9982382,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04371178150177002},{"word":"that's","start":1929.8601,"end":1930.18,"confidence":0.9995812,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.022399796172976497},{"word":"fine","start":1930.18,"end":1930.68,"confidence":0.99990743,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.034948237240314484},{"word":"take","start":1931.06,"end":1931.2201,"confidence":0.98132503,"punctuated_word":"Take","sentiment":"neutral","sentiment_score":0.04466693103313446},{"word":"your","start":1931.2201,"end":1931.4601,"confidence":0.82068527,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05181470513343811},{"word":"yeah","start":1932.9801,"end":1933.3,"confidence":0.82924306,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.01487773284316063},{"word":"especially","start":1933.3,"end":1933.7001,"confidence":0.9893086,"punctuated_word":"Especially","sentiment":"neutral","sentiment_score":-0.0858224630355835},{"word":"sometimes","start":1933.7001,"end":1934.1001,"confidence":0.8403181,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.09544417262077332},{"word":"going","start":1934.1001,"end":1934.3401,"confidence":0.9553408,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.12087547779083252},{"word":"back","start":1934.3401,"end":1934.5,"confidence":0.9998425,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.1067492812871933},{"word":"a","start":1934.5,"end":1934.5801,"confidence":0.99889165,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1593858003616333},{"word":"long","start":1934.5801,"end":1934.8201,"confidence":0.9998178,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.18870410323143005},{"word":"time","start":1934.8201,"end":1935.06,"confidence":0.9993344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.20739565789699552},{"word":"can","start":1935.06,"end":1935.3,"confidence":0.98448426,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1520516574382782},{"word":"be","start":1935.3,"end":1935.54,"confidence":0.9987999,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.19932493567466736},{"word":"can","start":1935.54,"end":1935.78,"confidence":0.9883165,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.15336814522743225},{"word":"be","start":1935.78,"end":1935.8601,"confidence":0.99907124,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.20589521527290344},{"word":"hard","start":1935.8601,"end":1936.1001,"confidence":0.999495,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.24758298695087433},{"word":"to","start":1936.1001,"end":1936.26,"confidence":0.99873275,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.26014602184295654},{"word":"remember","start":1936.26,"end":1936.66,"confidence":0.9656454,"punctuated_word":"remember.","sentiment":"neutral","sentiment_score":-0.1901390552520752},{"word":"so","start":1936.66,"end":1937.16,"confidence":0.9080053,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.039060719311237335},{"word":"i","start":1937.2201,"end":1937.38,"confidence":0.99813265,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02106962352991104},{"word":"will","start":1937.38,"end":1937.54,"confidence":0.9995259,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.005242154002189636},{"word":"leave","start":1937.54,"end":1937.78,"confidence":0.9996326,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.029372073709964752},{"word":"it","start":1937.78,"end":1937.9401,"confidence":0.99371356,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.027556121349334717},{"word":"with","start":1937.9401,"end":1938.18,"confidence":0.99981564,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.017001383006572723},{"word":"you","start":1938.18,"end":1938.3401,"confidence":0.99962413,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024961642920970917},{"word":"then","start":1938.3401,"end":1938.8401,"confidence":0.99681073,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.02455282211303711},{"word":"if","start":1940.085,"end":1940.245,"confidence":0.993316,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.007239688187837601},{"word":"it","start":1940.245,"end":1940.485,"confidence":0.99955684,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.012774407863616943},{"word":"changes","start":1940.485,"end":1940.985,"confidence":0.9998869,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.008798979222774506},{"word":"or","start":1941.0449,"end":1941.2449,"confidence":0.53914493,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.004052061587572098},{"word":"do","start":1941.445,"end":1941.605,"confidence":0.9995944,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.006190001964569092},{"word":"you","start":1941.605,"end":1941.765,"confidence":0.9998498,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.002386089414358139},{"word":"want","start":1941.765,"end":1942.1649,"confidence":0.99991906,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.006888248026371002},{"word":"jack","start":1942.1649,"end":1942.485,"confidence":0.9953511,"punctuated_word":"Jack","sentiment":"neutral","sentiment_score":-0.0014112964272499084},{"word":"to","start":1942.485,"end":1942.8049,"confidence":0.99959594,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007614508271217346},{"word":"resend","start":1942.8049,"end":1943.2849,"confidence":0.99917674,"punctuated_word":"resend","sentiment":"neutral","sentiment_score":-0.016561128199100494},{"word":"you","start":1943.2849,"end":1943.7849,"confidence":0.9997056,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011895108968019484},{"word":"the","start":1943.9249,"end":1944.1649,"confidence":0.99876887,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.002893920987844467},{"word":"questions","start":1944.1649,"end":1944.485,"confidence":0.9970471,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.01184079796075821},{"word":"or","start":1944.485,"end":1944.645,"confidence":0.99786407,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.025775596499443058},{"word":"anything","start":1944.645,"end":1944.885,"confidence":0.71930856,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":-0.013859746977686882},{"word":"or","start":1944.885,"end":1945.0449,"confidence":0.9798004,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.007436845451593399},{"word":"you","start":1945.0449,"end":1945.205,"confidence":0.9942836,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.003646768629550934},{"word":"have","start":1945.205,"end":1945.365,"confidence":0.9957029,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0051779188215732574},{"word":"it","start":1945.365,"end":1945.525,"confidence":0.7942544,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.026410652324557304},{"word":"it's","start":1945.525,"end":1945.6849,"confidence":0.9992801,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.016196509823203087},{"word":"just","start":1945.6849,"end":1945.9249,"confidence":0.99980086,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.015359008684754372},{"word":"a","start":1945.9249,"end":1946.005,"confidence":0.9925512,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.020286448299884796},{"word":"matter","start":1946.005,"end":1946.1649,"confidence":0.9999608,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":-0.010337000712752342},{"word":"of","start":1946.1649,"end":1946.6649,"confidence":0.9991698,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02578185871243477},{"word":"a","start":1947.0449,"end":1947.205,"confidence":0.7435243,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02589350752532482},{"word":"processing","start":1947.205,"end":1947.705,"confidence":0.9717183,"punctuated_word":"processing","sentiment":"neutral","sentiment_score":-0.03287333995103836},{"word":"thing","start":1947.845,"end":1948.345,"confidence":0.87830347,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.009283145889639854},{"word":"yeah","start":1950.725,"end":1951.225,"confidence":0.80186653,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010223488323390484},{"word":"yeah","start":1951.6849,"end":1952.1849,"confidence":0.8404855,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014239751733839512},{"word":"yeah","start":1952.325,"end":1952.645,"confidence":0.85682404,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024062220007181168},{"word":"that's","start":1952.645,"end":1952.965,"confidence":0.99394906,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.05041627585887909},{"word":"okay","start":1952.965,"end":1953.465,"confidence":0.9093139,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.06372804939746857},{"word":"especially","start":1953.73,"end":1954.0499,"confidence":0.99691486,"punctuated_word":"Especially","sentiment":"neutral","sentiment_score":-0.015636419877409935},{"word":"with","start":1954.0499,"end":1954.2899,"confidence":0.9261175,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.015667572617530823},{"word":"insurance","start":1954.2899,"end":1954.61,"confidence":0.81361234,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.011152121238410471},{"word":"it","start":1954.61,"end":1954.69,"confidence":0.71160614,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.021773606538772583},{"word":"can","start":1954.69,"end":1954.9299,"confidence":0.9994616,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07303836941719055},{"word":"be","start":1954.9299,"end":1955.0099,"confidence":0.97808915,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09468835592269896},{"word":"like","start":1955.0099,"end":1955.1699,"confidence":0.9996275,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.08721465617418289},{"word":"that","start":1955.1699,"end":1955.49,"confidence":0.8907872,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.04872604459524155},{"word":"so","start":1955.49,"end":1955.99,"confidence":0.8724146,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02178148552775383},{"word":"i","start":1956.5299,"end":1956.69,"confidence":0.99503064,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05547288432717323},{"word":"will","start":1956.69,"end":1956.9299,"confidence":0.68986183,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.05821707472205162},{"word":"leave","start":1956.9299,"end":1957.1699,"confidence":0.9987367,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.05420584976673126},{"word":"it","start":1957.1699,"end":1957.4099,"confidence":0.9842703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.035055384039878845},{"word":"with","start":1957.4099,"end":1957.57,"confidence":0.8159643,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0584295392036438},{"word":"you","start":1957.57,"end":1958.07,"confidence":0.99836767,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.064071886241436},{"word":"if","start":1959.33,"end":1959.57,"confidence":0.93566436,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.07561089098453522},{"word":"you","start":1959.57,"end":1959.6499,"confidence":0.9998473,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.067355677485466},{"word":"do","start":1959.6499,"end":1959.8899,"confidence":0.9998779,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08684836328029633},{"word":"have","start":1959.8899,"end":1960.0499,"confidence":0.999828,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07072441279888153},{"word":"time","start":1960.0499,"end":1960.37,"confidence":0.7874491,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.07001332938671112},{"word":"you","start":1960.37,"end":1960.5299,"confidence":0.9846119,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07688760757446289},{"word":"wanna","start":1960.5299,"end":1960.7699,"confidence":0.99813205,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.10638251155614852},{"word":"do","start":1960.7699,"end":1960.9299,"confidence":0.9995048,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09780751913785934},{"word":"it","start":1960.9299,"end":1961.33,"confidence":0.91807246,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.10011599212884904},{"word":"just","start":1961.33,"end":1961.57,"confidence":0.9997451,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12506017088890076},{"word":"have","start":1961.57,"end":1961.6499,"confidence":0.9999262,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1181463748216629},{"word":"a","start":1961.6499,"end":1961.73,"confidence":0.9994055,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11600428074598312},{"word":"look","start":1961.73,"end":1961.97,"confidence":0.99995804,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07916121929883957},{"word":"through","start":1961.97,"end":1962.13,"confidence":0.9991303,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0883672833442688},{"word":"those","start":1962.13,"end":1962.37,"confidence":0.99813783,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0998511165380478},{"word":"questions","start":1962.37,"end":1962.7699,"confidence":0.9989951,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05489320307970047},{"word":"and","start":1962.7699,"end":1962.9299,"confidence":0.95393187,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07921759784221649},{"word":"send","start":1962.9299,"end":1963.09,"confidence":0.9994199,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.0634104311466217},{"word":"it","start":1963.09,"end":1963.25,"confidence":0.95189923,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06347514688968658},{"word":"back","start":1963.25,"end":1963.4099,"confidence":0.9998933,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06212476268410683},{"word":"to","start":1963.4099,"end":1963.57,"confidence":0.9993562,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07258450984954834},{"word":"jack","start":1963.57,"end":1963.8099,"confidence":0.81810737,"punctuated_word":"Jack,","sentiment":"neutral","sentiment_score":0.07213954627513885},{"word":"and","start":1963.8099,"end":1963.97,"confidence":0.9995103,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08750524371862411},{"word":"then","start":1963.97,"end":1964.13,"confidence":0.99987435,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1041463166475296},{"word":"we","start":1964.13,"end":1964.2899,"confidence":0.99995613,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09008194506168364},{"word":"can","start":1964.2899,"end":1964.45,"confidence":0.99991405,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09040532261133194},{"word":"get","start":1964.45,"end":1964.61,"confidence":0.99970835,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06611564755439758},{"word":"that","start":1964.61,"end":1964.85,"confidence":0.9988783,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.040312759578228},{"word":"off","start":1964.85,"end":1965.0099,"confidence":0.99790287,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.06402701884508133},{"word":"to","start":1965.0099,"end":1965.25,"confidence":0.99678254,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08350463211536407},{"word":"clearview","start":1965.25,"end":1965.73,"confidence":0.8958695,"punctuated_word":"Clearview","sentiment":"neutral","sentiment_score":0.07385516166687012},{"word":"to","start":1965.73,"end":1965.8899,"confidence":0.9952553,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06580180674791336},{"word":"look","start":1965.8899,"end":1966.13,"confidence":0.9992823,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03899454697966576},{"word":"at","start":1966.13,"end":1966.2899,"confidence":0.999803,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.025999583303928375},{"word":"getting","start":1966.2899,"end":1966.61,"confidence":0.999861,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.017506450414657593},{"word":"that","start":1966.61,"end":1966.85,"confidence":0.9998821,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01290111243724823},{"word":"removed","start":1966.85,"end":1967.35,"confidence":0.96613795,"punctuated_word":"removed.","sentiment":"neutral","sentiment_score":-0.06887055933475494},{"word":"but","start":1968.545,"end":1968.625,"confidence":0.9188375,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.030669910833239555},{"word":"obviously","start":1968.625,"end":1969.105,"confidence":0.99979174,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.05208907276391983},{"word":"do","start":1969.105,"end":1969.1849,"confidence":0.9996189,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04459277540445328},{"word":"it","start":1969.1849,"end":1969.425,"confidence":0.9982529,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02092115581035614},{"word":"do","start":1969.425,"end":1969.585,"confidence":0.97516996,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.042766861617565155},{"word":"it","start":1969.585,"end":1969.825,"confidence":0.9996573,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03121364116668701},{"word":"in","start":1969.825,"end":1969.985,"confidence":0.9990121,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0635514184832573},{"word":"your","start":1969.985,"end":1970.305,"confidence":0.9995586,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03044624626636505},{"word":"own","start":1970.305,"end":1970.625,"confidence":0.99923134,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.028084680438041687},{"word":"time","start":1970.625,"end":1971.105,"confidence":0.9943477,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.028089649975299835},{"word":"and","start":1971.105,"end":1971.265,"confidence":0.99927634,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.010871708393096924},{"word":"then","start":1971.265,"end":1971.585,"confidence":0.99976665,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0034180432558059692},{"word":"the","start":1971.585,"end":1971.745,"confidence":0.9984497,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014966793358325958},{"word":"last","start":1971.745,"end":1971.985,"confidence":0.999936,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.02912040427327156},{"word":"thing","start":1971.985,"end":1972.225,"confidence":0.9996526,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.021141644567251205},{"word":"is","start":1972.225,"end":1972.465,"confidence":0.99959356,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01874159276485443},{"word":"just","start":1972.465,"end":1972.705,"confidence":0.99450856,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02315777912735939},{"word":"that","start":1972.705,"end":1973.105,"confidence":0.99323577,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02036135643720627},{"word":"id","start":1973.105,"end":1973.585,"confidence":0.9976618,"punctuated_word":"ID","sentiment":"neutral","sentiment_score":-0.03116146475076675},{"word":"we","start":1973.585,"end":1973.745,"confidence":0.99896073,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.042057279497385025},{"word":"have","start":1973.745,"end":1973.985,"confidence":0.9997824,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04487733542919159},{"word":"on","start":1973.985,"end":1974.225,"confidence":0.9998123,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.043085090816020966},{"word":"file","start":1974.225,"end":1974.725,"confidence":0.9998091,"punctuated_word":"file","sentiment":"neutral","sentiment_score":-0.0426638200879097},{"word":"has","start":1975.265,"end":1975.745,"confidence":0.8974936,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.038046110421419144},{"word":"expired","start":1975.745,"end":1976.245,"confidence":0.9988167,"punctuated_word":"expired.","sentiment":"neutral","sentiment_score":-0.05120420828461647},{"word":"so","start":1976.385,"end":1976.625,"confidence":0.9993575,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.006008274853229523},{"word":"have","start":1976.625,"end":1976.865,"confidence":0.9997495,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0034303106367588043},{"word":"you","start":1976.865,"end":1977.025,"confidence":0.999858,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01801188476383686},{"word":"recently","start":1977.025,"end":1977.505,"confidence":0.9996141,"punctuated_word":"recently","sentiment":"neutral","sentiment_score":0.001651223748922348},{"word":"received","start":1977.505,"end":1977.985,"confidence":0.97940224,"punctuated_word":"received,","sentiment":"neutral","sentiment_score":-0.014302616938948631},{"word":"like","start":1977.985,"end":1978.145,"confidence":0.9994594,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0038739312440156937},{"word":"a","start":1978.145,"end":1978.305,"confidence":0.9994398,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0007739532738924026},{"word":"new","start":1978.305,"end":1978.705,"confidence":0.99967694,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.004159238189458847},{"word":"driver's","start":1978.705,"end":1979.1849,"confidence":0.9991181,"punctuated_word":"driver's","sentiment":"neutral","sentiment_score":-0.011502187699079514},{"word":"license","start":1979.1849,"end":1979.665,"confidence":0.99969745,"punctuated_word":"license","sentiment":"neutral","sentiment_score":-0.004460636526346207},{"word":"or","start":1979.665,"end":1979.905,"confidence":0.9996761,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0026158317923545837},{"word":"anything","start":1979.905,"end":1980.405,"confidence":0.99955297,"punctuated_word":"anything?","sentiment":"neutral","sentiment_score":0.004883071407675743},{"word":"yep","start":1980.95,"end":1981.27,"confidence":0.8414654,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07859254628419876},{"word":"cool","start":1981.27,"end":1981.77,"confidence":0.99841976,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.1405584067106247},{"word":"so","start":1982.47,"end":1982.79,"confidence":0.6531862,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06645409762859344},{"word":"what","start":1982.79,"end":1983.03,"confidence":0.99904734,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06484267115592957},{"word":"i'll","start":1983.03,"end":1983.1901,"confidence":0.9998113,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08422480523586273},{"word":"get","start":1983.1901,"end":1983.6901,"confidence":0.9995433,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07816970348358154},{"word":"might","start":1984.07,"end":1984.23,"confidence":0.89862996,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.0779571458697319},{"word":"get","start":1984.23,"end":1984.47,"confidence":0.994835,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06600432842969894},{"word":"you","start":1984.47,"end":1984.71,"confidence":0.9990013,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1394660919904709},{"word":"to","start":1984.71,"end":1984.87,"confidence":0.9992291,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18489329516887665},{"word":"do","start":1984.87,"end":1985.1901,"confidence":0.9989967,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1866815835237503},{"word":"is","start":1985.1901,"end":1985.43,"confidence":0.9974353,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1744881421327591},{"word":"i'll","start":1985.43,"end":1985.51,"confidence":0.99502987,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2059161365032196},{"word":"actually","start":1985.51,"end":1985.83,"confidence":0.99577016,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.2292947620153427},{"word":"get","start":1985.83,"end":1986.15,"confidence":0.99926764,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.19970273971557617},{"word":"the","start":1986.15,"end":1986.31,"confidence":0.99626666,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19776196777820587},{"word":"team","start":1986.31,"end":1986.71,"confidence":0.99954456,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.2011720836162567},{"word":"to","start":1986.71,"end":1987.03,"confidence":0.9424719,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2402878999710083},{"word":"send","start":1987.03,"end":1987.35,"confidence":0.99884146,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.20900043845176697},{"word":"you","start":1987.35,"end":1987.51,"confidence":0.9995586,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23073039948940277},{"word":"an","start":1987.51,"end":1987.83,"confidence":0.9998605,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.23165543377399445},{"word":"email","start":1987.83,"end":1988.33,"confidence":0.9619204,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.2284487187862396},{"word":"that","start":1988.79,"end":1988.95,"confidence":0.90362525,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2051003724336624},{"word":"way","start":1988.95,"end":1989.1901,"confidence":0.7908155,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.2566492557525635},{"word":"to","start":1989.1901,"end":1989.35,"confidence":0.99933237,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2606228291988373},{"word":"make","start":1989.35,"end":1989.51,"confidence":0.9999714,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.29991355538368225},{"word":"it","start":1989.51,"end":1989.67,"confidence":0.99988866,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2812964916229248},{"word":"easy","start":1989.67,"end":1990.15,"confidence":0.98797834,"punctuated_word":"easy,","sentiment":"neutral","sentiment_score":0.3103823661804199},{"word":"if","start":1990.15,"end":1990.31,"confidence":0.9988549,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.295623242855072},{"word":"you","start":1990.31,"end":1990.39,"confidence":0.9999422,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21894414722919464},{"word":"can","start":1990.39,"end":1990.63,"confidence":0.99983907,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21356336772441864},{"word":"just","start":1990.63,"end":1990.95,"confidence":0.9994456,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21171167492866516},{"word":"respond","start":1990.95,"end":1991.45,"confidence":0.99968255,"punctuated_word":"respond","sentiment":"neutral","sentiment_score":0.18890154361724856},{"word":"when","start":1991.75,"end":1991.99,"confidence":0.8700196,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.20195604860782623},{"word":"you","start":1991.99,"end":1992.07,"confidence":0.99989974,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1749323308467865},{"word":"have","start":1992.07,"end":1992.31,"confidence":0.9998259,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1777479499578476},{"word":"a","start":1992.31,"end":1992.56,"confidence":0.9966736,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16842082142829895},{"word":"moment","start":1992.56,"end":1992.945,"confidence":0.9999372,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.16452594101428986},{"word":"just","start":1993.4249,"end":1993.505,"confidence":0.9963576,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16966512799263},{"word":"with","start":1993.505,"end":1993.745,"confidence":0.9997588,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19399350881576535},{"word":"a","start":1993.745,"end":1993.985,"confidence":0.9899402,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15596231818199158},{"word":"photo","start":1993.985,"end":1994.3849,"confidence":0.99905163,"punctuated_word":"photo","sentiment":"neutral","sentiment_score":0.12152795493602753},{"word":"of","start":1994.3849,"end":1994.465,"confidence":0.9994254,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1348089724779129},{"word":"the","start":1994.465,"end":1994.705,"confidence":0.9981261,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10772473365068436},{"word":"front","start":1994.705,"end":1995.1849,"confidence":0.99833304,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.12124961614608765},{"word":"and","start":1995.1849,"end":1995.505,"confidence":0.99923027,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.135548934340477},{"word":"the","start":1995.505,"end":1995.6649,"confidence":0.99867624,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14371784031391144},{"word":"back","start":1995.6649,"end":1995.985,"confidence":0.99988425,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.13959012925624847},{"word":"of","start":1995.985,"end":1996.1449,"confidence":0.9998184,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16348372399806976},{"word":"the","start":1996.1449,"end":1996.3049,"confidence":0.9997485,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13815154135227203},{"word":"license","start":1996.3049,"end":1996.8049,"confidence":0.9433223,"punctuated_word":"license,","sentiment":"neutral","sentiment_score":0.1353282928466797},{"word":"and","start":1997.0249,"end":1997.1849,"confidence":0.873758,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1797262728214264},{"word":"we","start":1997.1849,"end":1997.345,"confidence":0.70773715,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18424725532531736},{"word":"can","start":1997.345,"end":1997.505,"confidence":0.9996364,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2158885896205902},{"word":"just","start":1997.505,"end":1997.745,"confidence":0.9976312,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21621963381767273},{"word":"update","start":1997.745,"end":1998.225,"confidence":0.998713,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.19162152707576752},{"word":"that","start":1998.225,"end":1998.3849,"confidence":0.996316,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21706265211105347},{"word":"record","start":1998.3849,"end":1998.7849,"confidence":0.9982095,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.1248430758714676},{"word":"for","start":1998.7849,"end":1999.0249,"confidence":0.9998722,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.230569526553154},{"word":"you","start":1999.0249,"end":1999.5249,"confidence":0.99975765,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17911116778850555},{"word":"yep","start":2000.705,"end":2001.1849,"confidence":0.9255607,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24750672280788424},{"word":"perfect","start":2001.1849,"end":2001.6849,"confidence":0.97861713,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.49950823187828064},{"word":"do","start":2002.065,"end":2002.3049,"confidence":0.975878,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.2408454418182373},{"word":"you","start":2002.3049,"end":2002.465,"confidence":0.9973476,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2357831448316574},{"word":"have","start":2002.465,"end":2002.705,"confidence":0.99983,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19911664724349976},{"word":"any","start":2002.705,"end":2002.945,"confidence":0.9998417,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.21281129121780396},{"word":"other","start":2002.945,"end":2003.105,"confidence":0.9997662,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1781691312789917},{"word":"questions","start":2003.105,"end":2003.585,"confidence":0.9996486,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.20019833743572235},{"word":"for","start":2003.585,"end":2003.745,"confidence":0.9888376,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10891885310411452},{"word":"me","start":2003.745,"end":2003.9049,"confidence":0.9906981,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.17487414181232452},{"word":"adam","start":2003.9049,"end":2004.225,"confidence":0.99731076,"punctuated_word":"Adam,","sentiment":"neutral","sentiment_score":0.212686151266098},{"word":"before","start":2004.225,"end":2004.465,"confidence":0.9999157,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.1755109429359436},{"word":"i","start":2004.465,"end":2004.625,"confidence":0.99992776,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15881292521953583},{"word":"let","start":2004.625,"end":2004.7849,"confidence":0.9998307,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.16636377573013306},{"word":"you","start":2004.7849,"end":2004.865,"confidence":0.99962294,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14306533336639404},{"word":"go","start":2004.865,"end":2005.365,"confidence":0.9994885,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":0.14624860882759094},{"word":"no","start":2006.83,"end":2007.15,"confidence":0.86961436,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":0.0017767231911420822},{"word":"okay","start":2007.15,"end":2007.63,"confidence":0.9995594,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.20081645250320437},{"word":"perfect","start":2007.63,"end":2008.13,"confidence":0.99976397,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3550359606742859},{"word":"so","start":2008.27,"end":2008.59,"confidence":0.99684995,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.215539813041687},{"word":"like","start":2008.59,"end":2008.75,"confidence":0.7788756,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2528669238090515},{"word":"i","start":2008.75,"end":2008.83,"confidence":0.9997067,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21948522329330444},{"word":"said","start":2008.83,"end":2009.07,"confidence":0.9994925,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.2765677571296692},{"word":"when","start":2009.07,"end":2009.23,"confidence":0.99979836,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2529427409172058},{"word":"you","start":2009.23,"end":2009.3099,"confidence":0.99984705,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1791606992483139},{"word":"have","start":2009.3099,"end":2009.5499,"confidence":0.99991715,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16329710185527802},{"word":"a","start":2009.5499,"end":2009.63,"confidence":0.9994634,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18605872988700867},{"word":"moment","start":2009.63,"end":2009.95,"confidence":0.99822867,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.2375706434249878},{"word":"have","start":2009.95,"end":2010.19,"confidence":0.9997079,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23149870336055756},{"word":"a","start":2010.19,"end":2010.27,"confidence":0.99981254,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2402099370956421},{"word":"look","start":2010.27,"end":2010.4299,"confidence":0.9998776,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2164754718542099},{"word":"through","start":2010.4299,"end":2010.59,"confidence":0.9995716,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.29156896471977234},{"word":"the","start":2010.59,"end":2010.75,"confidence":0.99972445,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26863107085227966},{"word":"documents","start":2010.75,"end":2011.23,"confidence":0.96440786,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.21903161704540253},{"word":"any","start":2011.23,"end":2011.47,"confidence":0.99975306,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.19940143823623657},{"word":"questions","start":2011.47,"end":2011.95,"confidence":0.99510616,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.14021071791648865},{"word":"let","start":2011.95,"end":2012.11,"confidence":0.9999174,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1881234496831894},{"word":"me","start":2012.11,"end":2012.35,"confidence":0.9999291,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17803721129894257},{"word":"know","start":2012.35,"end":2012.85,"confidence":0.99781907,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.1888279914855957},{"word":"otherwise","start":2013.23,"end":2013.73,"confidence":0.8721987,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":0.15649375319480896},{"word":"we","start":2013.7899,"end":2013.95,"confidence":0.9978908,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08845088630914688},{"word":"just","start":2013.95,"end":2014.19,"confidence":0.98711836,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10111277550458908},{"word":"need","start":2014.19,"end":2014.35,"confidence":0.9999331,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1109788864850998},{"word":"you","start":2014.35,"end":2014.59,"confidence":0.99973935,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13247141242027283},{"word":"to","start":2014.59,"end":2014.75,"confidence":0.99762815,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08870159834623337},{"word":"sign","start":2014.75,"end":2014.99,"confidence":0.99436873,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.11925671249628068},{"word":"those","start":2014.99,"end":2015.23,"confidence":0.99982685,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09165047109127045},{"word":"documents","start":2015.23,"end":2015.73,"confidence":0.9939389,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.11876720190048218},{"word":"i'll","start":2016.27,"end":2016.59,"confidence":0.97887546,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.16560564935207367},{"word":"it'll","start":2016.6699,"end":2016.99,"confidence":0.8786012,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.16374939680099487},{"word":"get","start":2016.99,"end":2017.39,"confidence":0.99760664,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.23025496304035187},{"word":"notified","start":2017.39,"end":2017.7899,"confidence":0.85721016,"punctuated_word":"notified,","sentiment":"neutral","sentiment_score":0.19907712936401367},{"word":"and","start":2017.7899,"end":2017.95,"confidence":0.98987484,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15899096429347992},{"word":"it'll","start":2017.95,"end":2018.11,"confidence":0.8424977,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.1945318877696991},{"word":"come","start":2018.11,"end":2018.27,"confidence":0.9997795,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.2690366506576538},{"word":"back","start":2018.27,"end":2018.4299,"confidence":0.9999434,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.23716844618320465},{"word":"to","start":2018.4299,"end":2018.59,"confidence":0.99872595,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22857266664505005},{"word":"me","start":2018.59,"end":2018.75,"confidence":0.90520453,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.18281103670597076},{"word":"and","start":2018.75,"end":2018.9099,"confidence":0.999642,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21560315787792209},{"word":"i'll","start":2018.9099,"end":2019.07,"confidence":0.9998971,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2600492537021637},{"word":"get","start":2019.07,"end":2019.23,"confidence":0.99981374,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.31720179319381714},{"word":"that","start":2019.23,"end":2019.39,"confidence":0.9996013,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2408660799264908},{"word":"all","start":2019.39,"end":2019.89,"confidence":0.9989033,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.25130724906921387},{"word":"authorized","start":2020.425,"end":2020.8251,"confidence":0.9983425,"punctuated_word":"authorized","sentiment":"neutral","sentiment_score":0.28828948736190796},{"word":"for","start":2020.8251,"end":2021.3251,"confidence":0.99975723,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3405250310897827},{"word":"you","start":2021.4651,"end":2021.785,"confidence":0.8274381,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2525671124458313},{"word":"and","start":2021.785,"end":2021.9451,"confidence":0.756717,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.10734102874994278},{"word":"also","start":2021.9451,"end":2022.265,"confidence":0.9993495,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":0.10642130672931673},{"word":"keep","start":2022.265,"end":2022.505,"confidence":0.9982211,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.19670702517032623},{"word":"a","start":2022.505,"end":2022.665,"confidence":0.9993705,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18969672918319705},{"word":"look","start":2022.665,"end":2022.8251,"confidence":0.8499774,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.16460861265659332},{"word":"at","start":2022.8251,"end":2022.9451,"confidence":0.9046872,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.19806015491485596},{"word":"of","start":2023.0651,"end":2023.2251,"confidence":0.9761237,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1717258095741272},{"word":"that","start":2023.2251,"end":2023.545,"confidence":0.94510037,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18493081629276276},{"word":"roa","start":2023.545,"end":2024.045,"confidence":0.83113384,"punctuated_word":"ROA","sentiment":"neutral","sentiment_score":0.11170247197151184},{"word":"just","start":2024.265,"end":2024.765,"confidence":0.965853,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1329303681850433},{"word":"to","start":2024.8251,"end":2025.145,"confidence":0.981217,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09718158841133118},{"word":"for","start":2025.4651,"end":2025.625,"confidence":0.99986863,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11589841544628143},{"word":"your","start":2025.625,"end":2025.8651,"confidence":0.9992895,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20780590176582336},{"word":"reference","start":2025.8651,"end":2026.3451,"confidence":0.99982136,"punctuated_word":"reference","sentiment":"neutral","sentiment_score":0.1521872580051422},{"word":"to","start":2026.3451,"end":2026.5851,"confidence":0.9127109,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15584363043308258},{"word":"say","start":2026.5851,"end":2026.665,"confidence":0.9995078,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.1844264268875122},{"word":"that","start":2026.665,"end":2026.8251,"confidence":0.9996172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20304343104362488},{"word":"we","start":2026.8251,"end":2026.9851,"confidence":0.9998851,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2638451159000397},{"word":"have","start":2026.9851,"end":2027.2251,"confidence":0.99978477,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.310671865940094},{"word":"made","start":2027.2251,"end":2027.4651,"confidence":0.99962115,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.33643901348114014},{"word":"that","start":2027.4651,"end":2027.7051,"confidence":0.9948061,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2963560223579407},{"word":"investment","start":2027.7051,"end":2028.185,"confidence":0.9996996,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.13940341770648956},{"word":"change","start":2028.185,"end":2028.685,"confidence":0.99792165,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.30300259590148926},{"word":"for","start":2029.145,"end":2029.305,"confidence":0.9378361,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.30642378330230713},{"word":"the","start":2029.305,"end":2029.385,"confidence":0.9964647,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3113073706626892},{"word":"benelung","start":2029.385,"end":2029.8651,"confidence":0.64579374,"punctuated_word":"Benelung","sentiment":"neutral","sentiment_score":0.2179344147443771},{"word":"investment","start":2029.8651,"end":2030.3451,"confidence":0.9292607,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.16115199029445648},{"word":"for","start":2030.3451,"end":2030.505,"confidence":0.999597,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29989370703697205},{"word":"you","start":2030.505,"end":2031.005,"confidence":0.99929297,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2141075134277344},{"word":"yep","start":2032.44,"end":2032.94,"confidence":0.7961869,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1454266607761383},{"word":"perfect","start":2033.1599,"end":2033.6599,"confidence":0.96190834,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7292485237121582},{"word":"well","start":2034.0399,"end":2034.2799,"confidence":0.9563873,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.706444501876831},{"word":"thank","start":2034.2799,"end":2034.44,"confidence":0.9995994,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.821480393409729},{"word":"you","start":2034.44,"end":2034.6,"confidence":0.9998654,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8622322678565979},{"word":"so","start":2034.6,"end":2034.6799,"confidence":0.9996331,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8327397108078003},{"word":"much","start":2034.6799,"end":2034.84,"confidence":0.99995863,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.860123872756958},{"word":"for","start":2034.84,"end":2035.08,"confidence":0.9992385,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8160879015922546},{"word":"your","start":2035.08,"end":2035.24,"confidence":0.9988801,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8277507424354553},{"word":"time","start":2035.24,"end":2035.3999,"confidence":0.99994004,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.8459606170654297},{"word":"today","start":2035.3999,"end":2035.72,"confidence":0.99967754,"punctuated_word":"today,","sentiment":"positive","sentiment_score":0.8409724831581116},{"word":"adam","start":2035.72,"end":2036.2,"confidence":0.9997553,"punctuated_word":"Adam.","sentiment":"positive","sentiment_score":0.8015149831771851},{"word":"hopefully","start":2036.2,"end":2036.7,"confidence":0.9902223,"punctuated_word":"Hopefully,","sentiment":"positive","sentiment_score":0.7500486373901367},{"word":"you","start":2037.0,"end":2037.32,"confidence":0.9997491,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7784351706504822},{"word":"have","start":2037.32,"end":2037.5599,"confidence":0.99996316,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7962249517440796},{"word":"a","start":2037.5599,"end":2037.72,"confidence":0.9998217,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7807148694992065},{"word":"lovely","start":2037.72,"end":2038.12,"confidence":0.99998295,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.8341647386550903},{"word":"rest","start":2038.12,"end":2038.44,"confidence":0.99988186,"punctuated_word":"rest","sentiment":"positive","sentiment_score":0.8444716334342957},{"word":"of","start":2038.44,"end":2038.6,"confidence":0.9997453,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.8526064157485962},{"word":"your","start":2038.6,"end":2038.84,"confidence":0.9998783,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8635295629501343},{"word":"day","start":2038.84,"end":2039.08,"confidence":0.9406829,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.81723952293396},{"word":"and","start":2039.08,"end":2039.24,"confidence":0.9990397,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5435564517974854},{"word":"if","start":2039.24,"end":2039.32,"confidence":0.9994307,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.371065616607666},{"word":"there's","start":2039.32,"end":2039.5599,"confidence":0.9996879,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.35710448026657104},{"word":"anything","start":2039.5599,"end":2039.96,"confidence":0.99980026,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.3083030879497528},{"word":"else","start":2039.96,"end":2040.2,"confidence":0.99990904,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.3531588613986969},{"word":"that","start":2040.2,"end":2040.36,"confidence":0.99968684,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23322618007659912},{"word":"you","start":2040.36,"end":2040.5199,"confidence":0.99993217,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.334557443857193},{"word":"do","start":2040.5199,"end":2040.6799,"confidence":0.99971896,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.30949193239212036},{"word":"need","start":2040.6799,"end":2041.0,"confidence":0.99962825,"punctuated_word":"need,","sentiment":"neutral","sentiment_score":0.2623229920864105},{"word":"don't","start":2041.0,"end":2041.1599,"confidence":0.99968714,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.22515806555747983},{"word":"hesitate","start":2041.1599,"end":2041.6399,"confidence":0.99736327,"punctuated_word":"hesitate","sentiment":"neutral","sentiment_score":0.19622957706451416},{"word":"to","start":2041.6399,"end":2041.7999,"confidence":0.9993231,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2760965824127197},{"word":"give","start":2041.7999,"end":2041.96,"confidence":0.9998857,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.22635158896446228},{"word":"me","start":2041.96,"end":2042.12,"confidence":0.99982786,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2573809027671814},{"word":"a","start":2042.12,"end":2042.2,"confidence":0.99773693,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27520716190338135},{"word":"call","start":2042.2,"end":2042.7,"confidence":0.99949956,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.2668795585632324},{"word":"no","start":2044.9429,"end":2045.1029,"confidence":0.8662334,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.38649728894233704},{"word":"problem","start":2045.1029,"end":2045.3429,"confidence":0.9980919,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.424054890871048},{"word":"at","start":2045.3429,"end":2045.5029,"confidence":0.9997708,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4129312038421631},{"word":"all","start":2045.5029,"end":2045.6628,"confidence":0.9999041,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.45888906717300415},{"word":"we'll","start":2045.6628,"end":2045.9028,"confidence":0.9981979,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.2610591650009155},{"word":"speak","start":2045.9028,"end":2046.0629,"confidence":0.999782,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.2969810366630554},{"word":"soon","start":2046.0629,"end":2046.5629,"confidence":0.99954337,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.2702533006668091},{"word":"okay","start":2048.463,"end":2048.8628,"confidence":0.9979613,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12560416758060455},{"word":"bye","start":2048.8628,"end":2049.3628,"confidence":0.997996,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.13124792277812958}],"paragraphs":{"transcript":"\nGood afternoon. This is Adam. This is Veronica from OC Financial. How are you this afternoon? Not good.\n\nI'm well as well. I had you booked in to complete your under review. Is now still a good time for you? Yep. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep.\n\nYep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy?\n\nOh, that's that's nice. Now just before I do kind of jump in through that interview, I do like to start by asking if there is anything specific that you are hoping to get out of this review today or any areas you would like to kind of go through in a bit more detail or whether it's just just a bit of a catch up to see kind of what's happened in the last twelve months? No no problem. And how's the last twelve months kind of been for you? Any any changes or anything to your circumstances?\n\nNope? Okay. No. That's okay. Sometimes it's hard to remember as well.\n\nWhat I will do, though, is I will just quickly run through a bit of a fact line just to see if there is anything that has changed that might need us to make any changes to your advice. So bear with me as I go through this, and I'll try to go through it as quickly as I can for you. Now with your personal information, I have you down here as married with true financial dependent. Is that still the case? Yep.\n\nPerfect. And I do have here next of Ken, Elizabeth. Yep. Perfect. I have phone number ending in 135.\n\nIs that still the case? Perfect. Now when it comes to your employment, has any of that changed in the last twelve months? Same cop still doing the site supervisor plumbing? Yeah.\n\nPerfect. Now I do have here income of around 134,956. Is that still the case, or do you know if that's changed? Oh, nice. Do you know what it's changing to?\n\nYeah. No. That's okay. But for now, it's still that 134? Yep.\n\nPerfect. Now when it comes to bills and expenses, I have here that most most of the income goes through bills and stuff. You aren't really saving anything on a regular basis. Yeah. How much do you guys, I guess, on average, try to put aside?\n\nObviously, obviously, it depends on bills and expenses and everything, but if you were to say an average. Yep. No. That's okay. And your employer, they still pay you just that 12% employer contribution?\n\nYes. Yeah. Perfect. So just kind of like you don't have an enterprise login agreement or anything. You do?\n\nOkay. Yeah. Okay. Okay. And it still gives you obviously choice of super and everything like that.\n\nIt's just a couple of extra benefits. Yeah. Yeah. Yeah. Perfect.\n\nOtherwise, you are not making any additional contributions into super, just that from your employer. Yeah. Perfect. Now asset and liabilities wise, I have here that your main property was last valued at about 1,800,000.0. Is that still the case, or has that gone up a little bit?\n\nDo you know? Around the same. Alright. Perfect. I do have here mortgage of around 800 and 9,788.\n\nYeah. How much do you reckon? If it was around 8 or yeah. Perfect. That'd be great.\n\nYep. And while you do look for it, do you still have the huge the virus valued at about 55? Yep. Perfect. And you didn't have anything owing on that one?\n\nNot cool. Also tools of about 3,000? Yep. Do you have any other new assets otherwise in the last kind of twelve months? Any motorbikes or boats or anything else?\n\nNah. Perfect. And any other liabilities? Personal loans, credit cards, ZIP pay? No.\n\nPerfect. And have you ever been declared bankrupt or been under a part nine debt agreement? Alright. Perfect. Were you able to access the the mortgage, or is it a bit tricky?\n\nYeah. No. That's okay. Are you happy for me to just kind of keep going in the meantime? Yeah.\n\nYeah. Alright. Perfect. Health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case?\n\nPerfect. Any changes to your health in the last twelve months? No. Perfect. 809,788.\n\nYep. 563. Great. Perfect. I will update that.\n\nThank you so much for getting that. Otherwise, when it comes to estate planning, do you have a will in place? No. No. That's okay.\n\nAnd are you politically involved at all or on any income overseas? That's perfect. When it comes to your beneficiary nominations, so in the event that something happens to you, I have Elizabeth nominated at a 100%. Is that still correct? Yep.\n\nPerfect. And, I guess, otherwise, kind of goals that you are working towards in the next twelve months. Last time we spoke, your main focus was to save a bit of money and do some house renovation. Try to do a little bit of that. That's okay.\n\nOtherwise, a bit more medium to long term. We're looking at maybe buying an investment property and buy a new car. Is that still kind of the plans as well? Yeah? Do you have any other, like, new goals that you are working through in the next twelve months financially or nonfinancially at all?\n\nThat's the main thing? Okay. Perfect. Now the next thing I do wanna quickly run over with you, Adam, it's just a bit of an updated risk profile, and that is just simply to see if we need to make any changes to your investment portfolio within your superannuation. So there is no right or wrong answer.\n\nIt's just whatever you feel is the most appropriate for you. And if it doesn't make sense, just let me know. Now have you ever bought direct shares yourself? No. Perfect.\n\nNext is in regards to inflation. So inflation means that things are getting more expensive over time, kind of making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to try to keep up with the rising prices when it comes to your superannuation? Would you say very high risk, high, moderate, or a small amount of risk in order to try to keep up pace with inflation? Yeah.\n\nA bit medium or low? Okay. Perfect. And how would you feel about volatility? So if, let's say, six months after placing an investment, you found out that your portfolio has decreased by 20% due to general trends in their financial market.\n\nNow would you try to take advantage of that? I think that now is potentially a good time to invest a little bit more while the prices are down, or would you kind of hold, wait to see what happens, Or would you want to shift through a more secure asset, but that means then you are then selling when the prices have already dropped? It's a bit tricky because, obviously, it depends on what's going on. So exactly. Would you say kind of somewhere in the middle, hold and wait to see what happens, and then maybe sometimes invest a little bit, sometimes sell out depending on, I guess, forecasting and stuff like that.\n\nYep. Yep. Okay. Next up is in regards to fluctuations in superannuation. So have you ever noticed your superannuation obviously fall in value?\n\nObviously, what's going on in the world the last twelve months? We have seen a lot of fluctuations in in in the market and in the world. And then, obviously, going back to COVID as well, we did see, you know, a bit of fluctuation and stuff then as well. If you did notice your superannuation, you know, full in value, how would that make you feel? Would you stay optimistic about potential future investment opportunities?\n\nA bit more, you know, neutral, not making further investments, or you think that would make you feel quite concerned or anxious? The middle? Perfect. So kind of a bit new. Yeah.\n\nYes. Yeah. No. Definitely. Then there might be a bit more of a structural issue.\n\nObviously, things do fluctuate short term, especially if you are in, you know, your high growth portfolio. It is kind of what you see and expect through periods of time. But, obviously, if that goes on for a prolonged period of time, then, you know, there might need to be more drastic changes to be made. Yep. And last one here, Adam, is have you ever considered taking out a loan to invest in stocks or funds?\n\nNo. Would you ever consider taking out a loan to buy an investment property? Yep. Okay. Now that tells me here that you have come out as a growth investor.\n\nAnd at the moment, we have you invested in a high growth portfolio. So do you know the difference between those two at all? Yeah. How would you describe it to me? Putting you on the spot.\n\nYep. Mhmm. Mhmm. You are on the right path, though. Like, you your the concept is definitely there.\n\nAnd, you know, if if we do think typically between a high growth and growth, obviously, the focus still to maximize growth into your preannuation while you do have, you know, plenty of time until you do retire. And in both scenarios, you are, you know, prepared to experience a level of fluctuation in order to kind of grow your super long term. The difference between them typically is that in a high growth portfolio, that is how you are currently invested, we see about 90% of the funds invested in growth assets. So that will be things like Australian shares, international shares, property, and commodity. And that is what's going to maximize those return for you and only about 10% in your defensive investment.\n\nSo that will be, like, your cash, your gold, your fixed interest, for example. So they're in the fluctuations a little bit. Now in a growth portfolio, it's about a 10% difference. So you have 80% in your growth and 20 in defensive. Typically, in a high growth, you would see higher fluctuations short term, but long term, you can see higher returns as as a result.\n\nGrowth, obviously, you see slightly less fluctuations, but you can obviously have a little bit less growth in the returns as well. Looking at a time frame point of view, so making sure that you have enough time in the market for those fluctuations. In a high growth, we wanna allow a minimum of eight years until retirement to make sure you have enough time in the market. Growth, we say minimum six years. How do you feel at the moment?\n\nDo you feel that you are comfortable taking on a little bit more high growth to get that growth long term? Are you feeling a little bit more risk advanced? Would you like to change it? What do you think? Yeah.\n\nIt's ultimately, up yeah. Ultimately, it's kind of up through what you are comfortable with. So from a time frame point of view, you do have plenty of time until retirement. So we typically see, you know, a lot of clients in your age around a high growth, if not even more, because you have the time. But at the same time, you also then play in with your risk tolerance.\n\nBut if you see a lot of fluctuations and if you have, you know, a year or so where it is down, if that's going to make you quite concerned, we could look at changing up. The only thing is by changing it, it will mean that, obviously, you would sell down some investments, so that can be a little bit of capital gains tax. With it, we obviously try to minimize that by looking at swapping a few things out to minimize it, and it is more of your your long term investment. So, typically, if we are decreasing it, which we're more than happy to do if you are comp if you would prefer, It is something that you ideally want to leave for a longer period of time. So it's not typically something you want to do each year.\n\nYou wanna unless you you get to a point where you are getting close to retirement, then we do wanna, you know, gradually take it down the rest. Yeah? Are you sure? Okay. Yeah.\n\nOkay. Perfect. And kind of like we touched on already as well that, you know, in a high growth portfolio, typically, the likelihood of a negative return, now that is obviously you don't know what's going to happen in the world, or the market, we see about one in every five years. So during, obviously, their investing period, there's going to be times like now, for example, where we've seen a lot more changes, and things aren't obviously growing as much. But then with how your investments are invested as well, it will grow long term.\n\nNow if we obviously see that there are some of those investments that need to be structurally changed, then we can still do so. And I do wanna kind of go through the investments a little bit with you, and there is one that I'm would like to swap out for you if you're happy to do so. But, otherwise, we'll leave high growth for now. Now if you wanna obviously revisit that at any point in time, if you don't feel comfortable, just give me a call or we can kind of reassess it at next under review. So given the time frame you have for the fluctuations, it's it's a suitable portfolio as long as, yeah, you are kind of comfortable with that.\n\nYeah. Perfect. Now are you still driving, or do you have access to your emails? Okay. No.\n\nIt's up to you. I have sent you an email with some documents. I quickly wanna run through it with you. The only reason I do ask if you have access to your emails is that it makes it a bit more interactive for you. But if you are happy for me to just kind of run through the documents while you're driving, then I'm happy to do so.\n\nAnd then when you you know, it's obviously safe for you to do so. And when you have some time, you can just have a look over them. And then if you have any questions, you can always give me a callback. Yeah. Yeah.\n\nOkay. Perfect. So have a look through your emails when you have a moment. Now we have just changed our software. So it's going to look a little bit different through the DocuSign that you are used through.\n\nIt's still kind of the same, though, with the digital signature, but it will look a little bit different. So when you do get the email, before you click on the link, there are a couple of attachments. So these are all the attachments, just for your reference that you don't need to sign, but it's all there so you can have a look at it. So when you do have a look at it, you will see, the first one, which is your Vanguard index chart. Now you probably would have seen this last time, at your under review.\n\nIt's a bit of an updated one, but it is a good one to to kind of give you a good visual representation of what we are talking about when we're talking about the market. Especially in kind of today's environment as well, it is good to kind of see that more long term picture. So when you do have a look at it, you will see that it goes back to 1995 and then all the ups and downs that's happened in the world since then until 2025. Now it also breaks down the different asset classes. So it breaks down your US shares, Australian shares, international shares, and property.\n\nNow these top four are your growth investments, like I mentioned earlier. And then you have your bottom three, which are your defensive. And when you do have a look at it, you will see that the the growth investments, these are the ones that have grown, significantly the most, but they also fluctuate the most in the short term. Now when you do have a look at it as well is that when you when you look at it, you will see that the biggest drops in the market are quite closely followed by big increases again. Typically speaking as well, obviously, we don't wanna sell out unless there is structural issues or we don't foresee anything coming back around.\n\nYou wanna obviously avoid sometimes selling at the bottom because that's when you only crystallize the losses while you're selling at the bottom, and sometimes that's even a good buying opportunity for potentially buying a little bit cheaper as long as you obviously foresee that to come back around. So that Vandex index chart, it just kind of gives you a good visualization of that, essentially, Which then takes us through your portfolio. So part of it as well, you will see a twelve month report. Now this one here shows you all your all your investments, how they have performed over the last twelve months. Now everything is net of fees.\n\nSo like I said, obviously, there's been a lot of fluctuations in the market over the last twelve months. So after after all fees have come out of your account, your portfolio and now this doesn't include contributions. That is just your investment. It has gone up by about 0.24%. So it's still gone up a little bit.\n\nObviously, there has been a lot of fluctuations in the market like I mentioned. But one of the investments in your portfolio, which is the one that kind of underperformed the most, I would like to look at changing if you are happy to do so. So that is your Benelong Australian equity. So when you have a look at that, it's your top managed fund option when you look at this report. So it might look a little bit messy, but it's the Benelon Australian equity one.\n\nNow the reason is that when we originally added this to your portfolio when you came on board, it was doing really, really well. It was one of the top performing fund managers at the time, and they have done really well. Now the purpose of that investment was to try to investment in order to tryna outperform the market, which they had done really, really well at. But more recently, some of their, choices in the investments haven't performed as well. They've been a little bit slower with making changes as well.\n\nAnd, also, one of the other reasons why, that investment kind of underperformed a little bit was that one of the, kind of underperformed a little bit was that one of the companies that they had in their portfolio was the Corporate Travel Group. I'm not sure if you've heard of it. It was on the news and stuff like that as well. Corporate Travel Group. No.\n\nEssentially, it was a company where they weren't really disclosing their reporting correctly. So because of that, it actually caused a suspense from trading. And kind of because of that, obviously, the the investments fell. Now we've done a lot of investments on all your investments, and some of them are more your cyclical changes Where it's, for example, the beta share cybersecurity, which is one of your satellite investments, it's more of what is going on in the world. We still very much believe in that investment, so we then don't wanna sell out of those.\n\nBut the Benelong one, we do see that because they're a bit of it slower in making those changes, and because it has that active component, they are a little bit more expensive. So the investment committee have done extensive research on all the investments and kind of come to the decision as well that we would like to swap it out because we don't foresee kind of increasing as much or be the best option moving forward. So because you are obviously selling out of an Australian investment, we have come up with another investment option to change it for, which is your a 200. So, again, it is including your Australian investment, but it is a little bit more simplified in that you are not actively trying to buy and sell investments. And instead, you're kind of tracking the 200 largest companies on the ASX or in Australia.\n\nSo as a company kind of grows, they get included on it. As a company doesn't grow, don't do as well, it kind of falls off. So it's kind of a little bit more steady while still having the growth. And because of that, it is actually making the investments a little bit cheaper, and it has also performed a little bit better. Are you happy for us to go and make that change for you?\n\nYeah. Okay. So what I will do just for your record so that you have it, I will get the team to email you. It's called a record of advice. You don't have to sign it.\n\nIt's just for your records to indicate the the swap by Benelung Australian Equity to the a 200 just so you have it for your record. And we'll go ahead and make that change. Now, otherwise, when it comes through the documents, so almost finished, you will have a super insurance summary. That one basically shows you your current superannuation balance. So at the moment, it's at 137,701.\n\nAnd then you also have your Clearview insurances. So you have life and total permanent disability. Now that is 1,575,075 worth of that. And then you also have your income protection. Now your income protection is paying 6,000 sorry.\n\nMy computer just froze for a moment. Just bear with me. Always like that with technology, isn't it? It's always when it doesn't work, and it's I think IT is doing something, but let me just try to get that up for you. It's great when it works, but when it has its moments, it's let me just try to close it down for you.\n\nNow while I wait for this to come back up, obviously, if you are expecting a bit of a a pay rise, there is a chance that, obviously, your income protection will be slightly underinsured. So, obviously because you can have up to 70% of your income covered. Would you like to look at increasing it, or are you still feel like the amount you are covered for will still kind of cover cover you? Because if we do increase it, it will get more expensive because you are covered for more, And we have to go through kind of the underwriting process again. But if you feel like it is slightly less at the moment and you want more, we can go down that path as well.\n\nIt is up to you. Yep. And if it changes, obviously, when you do find out the pay rise, if it's kind of more than expected or if at any point in time you do change your mind, just give me a call again, and we can always run through it with you. Now my computer is still not really working, so I can't see the documents, but you will get email them, and you can have a look at it. And that basically just breaks down your income protection.\n\nIt also shows you the total premium for all of them. And you don't pay for them out of pocket. It's all through your superannuation. Yep. Now some other documents you will see, you will see just an updated financial services guide for you.\n\nIt's one of those compliance documents. It's just a bit of an updated version. We've had some changes to our marketing, which is great, and also a bit of an extension to the team. So if you wanna have a read over, those two, it's all in there for you. Again, just if you want to, but all the important information about us is in there.\n\nIf you do have a read over it, I'm also there on page 10, I believe, in the big document if you do wanna put a face to the voice. Perfect. And the last thing is that when you then click on the link, it will just be asking you to sign through documents. Now that is your ongoing service agreement, which is just to say that you are happy to stay on as a client, and we can keep servicing you. But as with any time, it is not a lock in contract.\n\nSo if at any point in time you are not happy, there is no lock in contract. But, otherwise, this essentially just lets us service you make these changes and everything for you, otherwise. And then and then the last thing is just a tax file number. It's just a compliance document, basically, to say that we do keep your tax file number secure on file. And that was essentially all those documents.\n\nDo you have any other questions for me, Adam? No? Perfect. There is one thing I do wanted to quickly check with you is that I know you've been speaking to my colleague, Jack, in regards to potentially do you know what that's about? Do you want to go down that and having a look at getting that back exclusion removed, or what are you what are you feeling?\n\nNo? Okay. Just let me know if it does take I know it's a a tedious thing sometimes, and the insurer can be a bit particular with these things. They are obviously assessing risk. So it is a bit tedious to do If it is that we can get a back exclusion removed, it is always something I do strongly suggest because if something ever were to happen to you and you do have the back exclusion and you don't get covered, especially if there is a situation where you don't have any issues and you could be covered.\n\nSo have a think about it. And if it is something you want to look at again, I yeah. Yeah. Because that's okay. Because what I can do otherwise yes.\n\nWhat I can do otherwise to make it easier for you, if you're happy, I can just quickly transfer you to Jack, and he can read you the questions and you can just verbalize them. And then he can just send it out to Sam. Or do you prefer to do okay. Okay. No.\n\nThat's okay. Okay. No. That's fine. Take your yeah.\n\nEspecially sometimes going back a long time can be can be hard to remember. So I will leave it with you then. If it changes or do you want Jack to resend you the questions or anything, or you have it? It's just a matter of a processing thing. Yeah.\n\nYeah. Yeah. That's okay. Especially with insurance, it can be like that. So I will leave it with you.\n\nIf you do have time, you wanna do it, just have a look through those questions and send it back to Jack, and then we can get that off to Clearview to look at getting that removed. But, obviously, do it do it in your own time. And then the last thing is just that ID we have on file has expired. So have you recently received, like, a new driver's license or anything? Yep.\n\nCool. So what I'll get might get you to do is I'll actually get the team to send you an email. That way, to make it easy, if you can just respond when you have a moment just with a photo of the front and the back of the license, and we can just update that record for you. Yep. Perfect.\n\nDo you have any other questions for me, Adam, before I let you go? No? Okay. Perfect. So like I said, when you have a moment, have a look through the documents.\n\nAny questions, let me know. Otherwise, we just need you to sign those documents. I'll it'll get notified, and it'll come back to me, and I'll get that all authorized for you. And, also, keep a look at of that ROA just to for your reference to say that we have made that investment change for the Benelung investment for you. Yep.\n\nPerfect. Well, thank you so much for your time today, Adam. Hopefully, you have a lovely rest of your day. And if there's anything else that you do need, don't hesitate to give me a call. No problem at all.\n\nWe'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.4399998,"end":4.24,"sentiment":"neutral","sentiment_score":0.22718387842178345},{"text":"This is Adam.","start":4.24,"end":5.06,"sentiment":"neutral","sentiment_score":0.19904403885205588},{"text":"This is Veronica from OC Financial.","start":6.8799996,"end":9.059999,"sentiment":"neutral","sentiment_score":0.17714059601227441},{"text":"How are you this afternoon?","start":9.12,"end":10.34,"sentiment":"neutral","sentiment_score":0.13790005147457124},{"text":"Not good.","start":12.975,"end":13.615,"sentiment":"neutral","sentiment_score":-0.08981551602482796}],"sentiment":"neutral","sentiment_score":0.1457895930442545,"num_words":18,"start":3.4399998,"end":13.615},{"sentences":[{"text":"I'm well as well.","start":13.615,"end":15.075001,"sentiment":"neutral","sentiment_score":0.15786346793174744},{"text":"I had you booked in to complete your under review.","start":16.095001,"end":18.735,"sentiment":"neutral","sentiment_score":0.19534555077552795},{"text":"Is now still a good time for you?","start":18.735,"end":20.355,"sentiment":"neutral","sentiment_score":0.18885601498186588},{"text":"Yep.","start":21.775002,"end":22.275002,"sentiment":"neutral","sentiment_score":0.12795524299144745},{"text":"Perfect.","start":22.494999,"end":22.994999,"sentiment":"positive","sentiment_score":0.3385928273200989}],"sentiment":"neutral","sentiment_score":0.19009606540203094,"num_words":24,"start":13.615,"end":22.994999},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":23.615,"end":30.77,"sentiment":"neutral","sentiment_score":0.05953913695853332},{"text":"Yep.","start":32.190002,"end":32.67,"sentiment":"neutral","sentiment_score":0.08685403317213058},{"text":"Perfect.","start":32.67,"end":33.17,"sentiment":"neutral","sentiment_score":0.2093237042427063},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":33.23,"end":48.614998,"sentiment":"neutral","sentiment_score":0.0634781293427715},{"text":"Yep.","start":49.234997,"end":49.734997,"sentiment":"neutral","sentiment_score":0.01730295456945896}],"sentiment":"neutral","sentiment_score":0.06363012114989347,"num_words":58,"start":23.615,"end":49.734997},{"sentences":[{"text":"Yep.","start":50.594997,"end":51.074997,"sentiment":"neutral","sentiment_score":0.08563622832298279},{"text":"Perfect.","start":51.074997,"end":51.475,"sentiment":"positive","sentiment_score":0.3643489480018616},{"text":"That's exactly what I have here.","start":51.475,"end":52.914997,"sentiment":"positive","sentiment_score":0.41403648257255554},{"text":"And how's your day been so far?","start":52.914997,"end":54.434998,"sentiment":"neutral","sentiment_score":0.08138180577329227},{"text":"Been busy?","start":54.434998,"end":55.254997,"sentiment":"neutral","sentiment_score":-0.03703628201037645}],"sentiment":"neutral","sentiment_score":0.20175318518543944,"num_words":17,"start":50.594997,"end":55.254997},{"sentences":[{"text":"Oh, that's that's nice.","start":58.2,"end":60.059998,"sentiment":"positive","sentiment_score":0.44097860157489777},{"text":"Now just before I do kind of jump in through that interview, I do like to start by asking if there is anything specific that you are hoping to get out of this review today or any areas you would like to kind of go through in a bit more detail or whether it's just just a bit of a catch up to see kind of what's happened in the last twelve months?","start":61.8,"end":79.205,"sentiment":"neutral","sentiment_score":0.004517395381037503},{"text":"No no problem.","start":83.04,"end":84.32,"sentiment":"neutral","sentiment_score":0.06559399267037709},{"text":"And how's the last twelve months kind of been for you?","start":84.32,"end":87.200005,"sentiment":"neutral","sentiment_score":0.016177091578190975},{"text":"Any any changes or anything to your circumstances?","start":87.200005,"end":90.58,"sentiment":"neutral","sentiment_score":-0.011910971836186945}],"sentiment":"neutral","sentiment_score":0.0239709745434047,"num_words":99,"start":58.2,"end":90.58},{"sentences":[{"text":"Nope?","start":93.855,"end":94.335,"sentiment":"neutral","sentiment_score":-0.0578099861741066},{"text":"Okay.","start":94.335,"end":94.835,"sentiment":"neutral","sentiment_score":-0.07518626749515533},{"text":"No.","start":96.335,"end":96.655,"sentiment":"neutral","sentiment_score":-0.10694824159145357},{"text":"That's okay.","start":96.655,"end":97.295,"sentiment":"neutral","sentiment_score":-0.057628996670246124},{"text":"Sometimes it's hard to remember as well.","start":97.295,"end":99.395004,"sentiment":"neutral","sentiment_score":-0.1154612632734435}],"sentiment":"neutral","sentiment_score":-0.09695261095960934,"num_words":12,"start":93.855,"end":99.395004},{"sentences":[{"text":"What I will do, though, is I will just quickly run through a bit of a fact line just to see if there is anything that has changed that might need us to make any changes to your advice.","start":100.095,"end":110.75,"sentiment":"neutral","sentiment_score":-0.029502524588352595},{"text":"So bear with me as I go through this, and I'll try to go through it as quickly as I can for you.","start":111.21,"end":116.19,"sentiment":"neutral","sentiment_score":0.01976627840296082},{"text":"Now with your personal information, I have you down here as married with true financial dependent.","start":117.69,"end":123.994995,"sentiment":"neutral","sentiment_score":-0.01053037354722619},{"text":"Is that still the case?","start":123.994995,"end":125.215,"sentiment":"neutral","sentiment_score":-0.008735547214746476},{"text":"Yep.","start":126.634995,"end":127.115,"sentiment":"neutral","sentiment_score":0.0655040442943573}],"sentiment":"neutral","sentiment_score":-0.010031353859674363,"num_words":84,"start":100.095,"end":127.115},{"sentences":[{"text":"Perfect.","start":127.115,"end":127.615,"sentiment":"neutral","sentiment_score":0.1966198980808258},{"text":"And I do have here next of Ken, Elizabeth.","start":127.674995,"end":130.655,"sentiment":"neutral","sentiment_score":0.08236035207907359},{"text":"Yep.","start":132.555,"end":132.955,"sentiment":"neutral","sentiment_score":0.1990463137626648},{"text":"Perfect.","start":132.955,"end":133.435,"sentiment":"positive","sentiment_score":0.6070317029953003},{"text":"I have phone number ending in 135.","start":133.435,"end":136.33499,"sentiment":"neutral","sentiment_score":0.2035750448703766}],"sentiment":"neutral","sentiment_score":0.16678770513910995,"num_words":19,"start":127.115,"end":136.33499},{"sentences":[{"text":"Is that still the case?","start":136.47499,"end":137.855,"sentiment":"neutral","sentiment_score":0.17189098596572877},{"text":"Perfect.","start":138.03,"end":138.53,"sentiment":"positive","sentiment_score":0.4475670456886291},{"text":"Now when it comes to your employment, has any of that changed in the last twelve months?","start":139.31,"end":145.56999,"sentiment":"neutral","sentiment_score":0.04160107989959857},{"text":"Same cop still doing the site supervisor plumbing?","start":147.70999,"end":151.89,"sentiment":"neutral","sentiment_score":0.019807719974778593},{"text":"Yeah.","start":153.305,"end":153.625,"sentiment":"neutral","sentiment_score":0.1353821158409119}],"sentiment":"neutral","sentiment_score":0.07212763154529966,"num_words":32,"start":136.47499,"end":153.625},{"sentences":[{"text":"Perfect.","start":153.625,"end":154.125,"sentiment":"neutral","sentiment_score":0.3268093466758728},{"text":"Now I do have here income of around 134,956.","start":155.145,"end":162.045,"sentiment":"neutral","sentiment_score":0.10451334300968382},{"text":"Is that still the case, or do you know if that's changed?","start":162.825,"end":165.645,"sentiment":"neutral","sentiment_score":0.03415970007578532},{"text":"Oh, nice.","start":169.74,"end":170.22,"sentiment":"neutral","sentiment_score":0.1524236872792244},{"text":"Do you know what it's changing to?","start":170.22,"end":172.95999,"sentiment":"neutral","sentiment_score":0.01750516572168895}],"sentiment":"neutral","sentiment_score":0.06789449578331362,"num_words":31,"start":153.625,"end":172.95999},{"sentences":[{"text":"Yeah.","start":176.62,"end":176.94,"sentiment":"neutral","sentiment_score":-0.016587473452091217},{"text":"No.","start":176.94,"end":177.18,"sentiment":"neutral","sentiment_score":-0.04950018227100372},{"text":"That's okay.","start":177.18,"end":177.92,"sentiment":"neutral","sentiment_score":-0.006012858240865172},{"text":"But for now, it's still that 134?","start":178.22,"end":180.8,"sentiment":"neutral","sentiment_score":-0.0095698962021353},{"text":"Yep.","start":182.185,"end":182.685,"sentiment":"neutral","sentiment_score":0.11107536405324936}],"sentiment":"neutral","sentiment_score":-0.0028356067972102514,"num_words":12,"start":176.62,"end":182.685},{"sentences":[{"text":"Perfect.","start":182.745,"end":183.245,"sentiment":"neutral","sentiment_score":0.275565505027771},{"text":"Now when it comes to bills and expenses, I have here that most most of the income goes through bills and stuff.","start":184.50499,"end":193.065,"sentiment":"neutral","sentiment_score":0.012001218697564169},{"text":"You aren't really saving anything on a regular basis.","start":193.065,"end":195.805,"sentiment":"neutral","sentiment_score":-0.10268484552701314},{"text":"Yeah.","start":200.12,"end":200.52,"sentiment":"neutral","sentiment_score":-0.013561725616455078},{"text":"How much do you guys, I guess, on average, try to put aside?","start":200.52,"end":204.78,"sentiment":"neutral","sentiment_score":-0.02054897939356474}],"sentiment":"neutral","sentiment_score":-0.014462385893515919,"num_words":46,"start":182.745,"end":204.78},{"sentences":[{"text":"Obviously, obviously, it depends on bills and expenses and everything, but if you were to say an average.","start":205.0,"end":210.78,"sentiment":"neutral","sentiment_score":-0.06863085532353984},{"text":"Yep.","start":215.605,"end":216.005,"sentiment":"neutral","sentiment_score":0.021114950999617577},{"text":"No.","start":216.005,"end":216.245,"sentiment":"neutral","sentiment_score":-0.03478348255157471},{"text":"That's okay.","start":216.245,"end":217.145,"sentiment":"neutral","sentiment_score":0.00482373870909214},{"text":"And your employer, they still pay you just that 12% employer contribution?","start":217.925,"end":222.425,"sentiment":"neutral","sentiment_score":-0.013331864184389511}],"sentiment":"neutral","sentiment_score":-0.041157612357946,"num_words":34,"start":205.0,"end":222.425},{"sentences":[{"text":"Yes.","start":225.78,"end":226.28,"sentiment":"neutral","sentiment_score":0.034035779535770416},{"text":"Yeah.","start":227.78,"end":228.1,"sentiment":"neutral","sentiment_score":0.06792771071195602},{"text":"Perfect.","start":228.1,"end":228.5,"sentiment":"neutral","sentiment_score":0.12794660031795502},{"text":"So just kind of like you don't have an enterprise login agreement or anything.","start":228.5,"end":233.56,"sentiment":"neutral","sentiment_score":0.021003764787954942},{"text":"You do?","start":234.02,"end":234.76,"sentiment":"neutral","sentiment_score":0.008831968531012535}],"sentiment":"neutral","sentiment_score":0.028506670245214513,"num_words":19,"start":225.78,"end":234.76},{"sentences":[{"text":"Okay.","start":235.715,"end":236.215,"sentiment":"neutral","sentiment_score":0.020389089360833168},{"text":"Yeah.","start":246.275,"end":246.675,"sentiment":"neutral","sentiment_score":0.03589848801493645},{"text":"Okay.","start":246.675,"end":247.175,"sentiment":"neutral","sentiment_score":0.052630066871643066},{"text":"Okay.","start":249.22,"end":249.72,"sentiment":"neutral","sentiment_score":0.12943805754184723},{"text":"And it still gives you obviously choice of super and everything like that.","start":249.94,"end":253.94,"sentiment":"neutral","sentiment_score":0.17619589888132536}],"sentiment":"neutral","sentiment_score":0.14875896395567587,"num_words":17,"start":235.715,"end":253.94},{"sentences":[{"text":"It's just a couple of extra benefits.","start":253.94,"end":255.8,"sentiment":"neutral","sentiment_score":0.12795095571449824},{"text":"Yeah.","start":258.02002,"end":258.52002,"sentiment":"neutral","sentiment_score":0.04624825716018677},{"text":"Yeah.","start":262.035,"end":262.535,"sentiment":"neutral","sentiment_score":0.034513767808675766},{"text":"Yeah.","start":263.47498,"end":263.955,"sentiment":"neutral","sentiment_score":0.12587979435920715},{"text":"Perfect.","start":263.955,"end":264.455,"sentiment":"neutral","sentiment_score":0.3029699921607971}],"sentiment":"neutral","sentiment_score":0.1277516819536686,"num_words":11,"start":253.94,"end":264.455},{"sentences":[{"text":"Otherwise, you are not making any additional contributions into super, just that from your employer.","start":265.875,"end":270.69498,"sentiment":"neutral","sentiment_score":0.04011983722448349},{"text":"Yeah.","start":271.97,"end":272.37,"sentiment":"neutral","sentiment_score":0.111833356320858},{"text":"Perfect.","start":272.37,"end":272.87,"sentiment":"neutral","sentiment_score":0.037277158349752426},{"text":"Now asset and liabilities wise, I have here that your main property was last valued at about 1,800,000.0.","start":274.53,"end":281.27,"sentiment":"neutral","sentiment_score":-0.0014460593669759368},{"text":"Is that still the case, or has that gone up a little bit?","start":281.65,"end":284.13,"sentiment":"neutral","sentiment_score":-0.03142062055233579}],"sentiment":"neutral","sentiment_score":0.006591894526081887,"num_words":48,"start":265.875,"end":284.13},{"sentences":[{"text":"Do you know?","start":284.13,"end":284.895,"sentiment":"neutral","sentiment_score":-0.016052098323901493},{"text":"Around the same.","start":287.055,"end":287.69498,"sentiment":"neutral","sentiment_score":-0.011670529376715422},{"text":"Alright.","start":287.69498,"end":288.01498,"sentiment":"neutral","sentiment_score":0.1030566543340683},{"text":"Perfect.","start":288.01498,"end":288.51498,"sentiment":"neutral","sentiment_score":0.30766868591308594},{"text":"I do have here mortgage of around 800 and 9,788.","start":288.655,"end":294.595,"sentiment":"neutral","sentiment_score":0.07916490025818348}],"sentiment":"neutral","sentiment_score":0.06217813665150768,"num_words":18,"start":284.13,"end":294.595},{"sentences":[{"text":"Yeah.","start":302.67,"end":303.17,"sentiment":"neutral","sentiment_score":-0.01533452421426773},{"text":"How much do you reckon?","start":303.71,"end":305.41,"sentiment":"neutral","sentiment_score":-0.011920087598264217},{"text":"If it was around 8 or yeah.","start":311.405,"end":314.205,"sentiment":"neutral","sentiment_score":0.011771901909794127},{"text":"Perfect.","start":314.205,"end":314.685,"sentiment":"positive","sentiment_score":0.36651670932769775},{"text":"That'd be great.","start":314.685,"end":315.505,"sentiment":"positive","sentiment_score":0.4990880290667216}],"sentiment":"neutral","sentiment_score":0.11007347927593134,"num_words":17,"start":302.67,"end":315.505},{"sentences":[{"text":"Yep.","start":318.445,"end":318.945,"sentiment":"neutral","sentiment_score":0.0350928008556366},{"text":"And while you do look for it, do you still have the huge the virus valued at about 55?","start":323.1,"end":329.76,"sentiment":"neutral","sentiment_score":-0.02733431540821728},{"text":"Yep.","start":331.42,"end":331.82,"sentiment":"neutral","sentiment_score":0.032220229506492615},{"text":"Perfect.","start":331.82,"end":332.14,"sentiment":"neutral","sentiment_score":0.14878122508525848},{"text":"And you didn't have anything owing on that one?","start":332.14,"end":334.155,"sentiment":"neutral","sentiment_score":0.000014392452107535468}],"sentiment":"neutral","sentiment_score":-0.009778329201282994,"num_words":31,"start":318.445,"end":334.155},{"sentences":[{"text":"Not cool.","start":335.595,"end":336.155,"sentiment":"neutral","sentiment_score":-0.1873975396156311},{"text":"Also tools of about 3,000?","start":336.155,"end":338.335,"sentiment":"neutral","sentiment_score":-0.043295348063111305},{"text":"Yep.","start":342.635,"end":343.135,"sentiment":"neutral","sentiment_score":0.011256612837314606},{"text":"Do you have any other new assets otherwise in the last kind of twelve months?","start":351.13,"end":355.53,"sentiment":"neutral","sentiment_score":-0.00239537904659907},{"text":"Any motorbikes or boats or anything else?","start":355.53,"end":358.73,"sentiment":"neutral","sentiment_score":0.004718591326049396}],"sentiment":"neutral","sentiment_score":-0.019430525104204812,"num_words":30,"start":335.595,"end":358.73},{"sentences":[{"text":"Nah.","start":358.73,"end":359.13,"sentiment":"neutral","sentiment_score":0.017178528010845184},{"text":"Perfect.","start":359.13,"end":359.63,"sentiment":"neutral","sentiment_score":0.03640466928482056},{"text":"And any other liabilities?","start":361.50497,"end":362.965,"sentiment":"neutral","sentiment_score":0.008934024022892118},{"text":"Personal loans, credit cards, ZIP pay?","start":363.185,"end":365.28497,"sentiment":"neutral","sentiment_score":0.0014234605866173904},{"text":"No.","start":367.34497,"end":367.425,"sentiment":"neutral","sentiment_score":-0.035686030983924866}],"sentiment":"neutral","sentiment_score":0.004782617378693361,"num_words":13,"start":358.73,"end":367.425},{"sentences":[{"text":"Perfect.","start":367.425,"end":367.925,"sentiment":"neutral","sentiment_score":-0.0012743407860398293},{"text":"And have you ever been declared bankrupt or been under a part nine debt agreement?","start":370.865,"end":375.84497,"sentiment":"neutral","sentiment_score":-0.036500681191682816},{"text":"Alright.","start":377.72,"end":377.96,"sentiment":"neutral","sentiment_score":-0.0007970426231622696},{"text":"Perfect.","start":377.96,"end":378.46,"sentiment":"neutral","sentiment_score":0.08085370808839798},{"text":"Were you able to access the the mortgage, or is it a bit tricky?","start":380.75998,"end":384.78,"sentiment":"neutral","sentiment_score":-0.005391296797565052}],"sentiment":"neutral","sentiment_score":-0.01700643901131116,"num_words":32,"start":367.425,"end":384.78},{"sentences":[{"text":"Yeah.","start":388.935,"end":389.255,"sentiment":"neutral","sentiment_score":-0.020441342145204544},{"text":"No.","start":389.255,"end":389.655,"sentiment":"neutral","sentiment_score":-0.07780153304338455},{"text":"That's okay.","start":389.655,"end":390.39502,"sentiment":"neutral","sentiment_score":-0.03434996213763952},{"text":"Are you happy for me to just kind of keep going in the meantime?","start":391.73502,"end":394.555,"sentiment":"neutral","sentiment_score":-0.02166987902351788},{"text":"Yeah.","start":395.89502,"end":396.215,"sentiment":"neutral","sentiment_score":0.06508257985115051}],"sentiment":"neutral","sentiment_score":-0.021328343470629892,"num_words":19,"start":388.935,"end":396.215},{"sentences":[{"text":"Yeah.","start":396.215,"end":396.535,"sentiment":"neutral","sentiment_score":0.06779148429632187},{"text":"Alright.","start":396.535,"end":396.935,"sentiment":"neutral","sentiment_score":0.11375956237316132},{"text":"Perfect.","start":396.935,"end":397.435,"sentiment":"neutral","sentiment_score":0.2044750154018402},{"text":"Health and lifestyle wise, I have you down here as a nonsmoker.","start":398.855,"end":402.39502,"sentiment":"neutral","sentiment_score":0.13283548255761465},{"text":"Is that still the case?","start":402.775,"end":403.95,"sentiment":"neutral","sentiment_score":0.04573777392506599}],"sentiment":"neutral","sentiment_score":0.11043703611940145,"num_words":20,"start":396.215,"end":403.95},{"sentences":[{"text":"Perfect.","start":405.55002,"end":406.03,"sentiment":"neutral","sentiment_score":0.13349264860153198},{"text":"Any changes to your health in the last twelve months?","start":406.03,"end":408.77002,"sentiment":"neutral","sentiment_score":0.06070345286279917},{"text":"No.","start":410.27002,"end":410.75,"sentiment":"neutral","sentiment_score":-0.006323575973510742},{"text":"Perfect.","start":410.75,"end":411.25,"sentiment":"neutral","sentiment_score":0.053597040474414825},{"text":"809,788.","start":415.15002,"end":418.61002,"sentiment":"neutral","sentiment_score":0.006848031189292669}],"sentiment":"neutral","sentiment_score":0.056760619494265745,"num_words":14,"start":405.55002,"end":418.61002},{"sentences":[{"text":"Yep.","start":425.735,"end":426.235,"sentiment":"neutral","sentiment_score":0.023804038763046265},{"text":"563.","start":428.935,"end":430.455,"sentiment":"neutral","sentiment_score":0.04296700283885002},{"text":"Great.","start":430.455,"end":430.775,"sentiment":"positive","sentiment_score":0.3839700520038605},{"text":"Perfect.","start":430.775,"end":431.275,"sentiment":"positive","sentiment_score":0.4200983047485352},{"text":"I will update that.","start":431.335,"end":432.29498,"sentiment":"positive","sentiment_score":0.4328359216451645}],"sentiment":"neutral","sentiment_score":0.32527288561686873,"num_words":8,"start":425.735,"end":432.29498},{"sentences":[{"text":"Thank you so much for getting that.","start":432.29498,"end":434.01,"sentiment":"positive","sentiment_score":0.4905118261064802},{"text":"Otherwise, when it comes to estate planning, do you have a will in place?","start":435.77002,"end":441.31,"sentiment":"neutral","sentiment_score":0.01706712134182453},{"text":"No.","start":444.49002,"end":444.99002,"sentiment":"neutral","sentiment_score":-0.13387933373451233},{"text":"No.","start":445.05002,"end":445.37,"sentiment":"neutral","sentiment_score":-0.053875602781772614},{"text":"That's okay.","start":445.37,"end":446.19,"sentiment":"neutral","sentiment_score":0.24899405986070633}],"sentiment":"neutral","sentiment_score":0.1593102265894413,"num_words":25,"start":432.29498,"end":446.19},{"sentences":[{"text":"And are you politically involved at all or on any income overseas?","start":447.525,"end":452.105,"sentiment":"neutral","sentiment_score":-0.003000154159963131},{"text":"That's perfect.","start":454.005,"end":454.905,"sentiment":"positive","sentiment_score":0.48760318756103516},{"text":"When it comes to your beneficiary nominations, so in the event that something happens to you, I have Elizabeth nominated at a 100%.","start":455.685,"end":463.84,"sentiment":"positive","sentiment_score":0.3598640405613443},{"text":"Is that still correct?","start":463.84,"end":464.82,"sentiment":"neutral","sentiment_score":0.21600039303302765},{"text":"Yep.","start":466.16,"end":466.66,"sentiment":"neutral","sentiment_score":0.23518329858779907}],"sentiment":"neutral","sentiment_score":0.24560148401984147,"num_words":42,"start":447.525,"end":466.66},{"sentences":[{"text":"Perfect.","start":466.80002,"end":467.30002,"sentiment":"positive","sentiment_score":0.5999100208282471},{"text":"And, I guess, otherwise, kind of goals that you are working towards in the next twelve months.","start":468.80002,"end":475.485,"sentiment":"neutral","sentiment_score":0.28527214597253236},{"text":"Last time we spoke, your main focus was to save a bit of money and do some house renovation.","start":475.545,"end":481.005,"sentiment":"neutral","sentiment_score":0.12932443148211428},{"text":"Try to do a little bit of that.","start":486.52002,"end":488.06003,"sentiment":"neutral","sentiment_score":0.023996219504624605},{"text":"That's okay.","start":489.08002,"end":489.98,"sentiment":"neutral","sentiment_score":0.23483715951442719}],"sentiment":"neutral","sentiment_score":0.18230520799121958,"num_words":47,"start":466.80002,"end":489.98},{"sentences":[{"text":"Otherwise, a bit more medium to long term.","start":490.84003,"end":493.66,"sentiment":"neutral","sentiment_score":0.08216365985572338},{"text":"We're looking at maybe buying an investment property and buy a new car.","start":493.72,"end":498.38,"sentiment":"neutral","sentiment_score":0.16704790523419014},{"text":"Is that still kind of the plans as well?","start":498.68002,"end":501.02002,"sentiment":"neutral","sentiment_score":0.137703999876976},{"text":"Yeah?","start":503.285,"end":503.785,"sentiment":"neutral","sentiment_score":0.06063603237271309},{"text":"Do you have any other, like, new goals that you are working through in the next twelve months financially or nonfinancially at all?","start":504.64502,"end":511.30502,"sentiment":"neutral","sentiment_score":0.047132275107762085}],"sentiment":"neutral","sentiment_score":0.09653604454878303,"num_words":54,"start":490.84003,"end":511.30502},{"sentences":[{"text":"That's the main thing?","start":516.1,"end":517.06,"sentiment":"neutral","sentiment_score":-0.010271952021867037},{"text":"Okay.","start":517.06,"end":517.54,"sentiment":"neutral","sentiment_score":0.15438321232795715},{"text":"Perfect.","start":517.54,"end":518.04,"sentiment":"neutral","sentiment_score":0.3309938311576843},{"text":"Now the next thing I do wanna quickly run over with you, Adam, it's just a bit of an updated risk profile, and that is just simply to see if we need to make any changes to your investment portfolio within your superannuation.","start":519.3,"end":530.46497,"sentiment":"neutral","sentiment_score":0.02007688759544561},{"text":"So there is no right or wrong answer.","start":531.96497,"end":533.885,"sentiment":"neutral","sentiment_score":-0.05696813203394413}],"sentiment":"neutral","sentiment_score":0.014944742907557571,"num_words":57,"start":516.1,"end":533.885},{"sentences":[{"text":"It's just whatever you feel is the most appropriate for you.","start":533.885,"end":536.845,"sentiment":"neutral","sentiment_score":0.052695603194561874},{"text":"And if it doesn't make sense, just let me know.","start":536.845,"end":539.26495,"sentiment":"neutral","sentiment_score":-0.0888279877603054},{"text":"Now have you ever bought direct shares yourself?","start":541.34,"end":544.16,"sentiment":"neutral","sentiment_score":-0.004200910916551948},{"text":"No.","start":548.62,"end":549.12,"sentiment":"neutral","sentiment_score":-0.04887555539608002},{"text":"Perfect.","start":549.26,"end":549.76,"sentiment":"neutral","sentiment_score":0.046500276774168015}],"sentiment":"neutral","sentiment_score":-0.011116477690877454,"num_words":31,"start":533.885,"end":549.76},{"sentences":[{"text":"Next is in regards to inflation.","start":550.38,"end":552.72,"sentiment":"neutral","sentiment_score":-0.058202698826789856},{"text":"So inflation means that things are getting more expensive over time, kind of making your money worth less, and everything is costing a little bit more.","start":553.26,"end":561.555,"sentiment":"neutral","sentiment_score":-0.15601249870199424},{"text":"Now how much of a risk are you willing to take in order to try to keep up with the rising prices when it comes to your superannuation?","start":562.095,"end":571.42004,"sentiment":"neutral","sentiment_score":-0.12867588017668044},{"text":"Would you say very high risk, high, moderate, or a small amount of risk in order to try to keep up pace with inflation?","start":573.24005,"end":581.18,"sentiment":"neutral","sentiment_score":-0.10594849257419507},{"text":"Yeah.","start":589.605,"end":590.105,"sentiment":"neutral","sentiment_score":-0.1184324473142624}],"sentiment":"neutral","sentiment_score":-0.1255254361559363,"num_words":85,"start":550.38,"end":590.105},{"sentences":[{"text":"A bit medium or low?","start":594.82,"end":599.14,"sentiment":"neutral","sentiment_score":-0.06799252927303315},{"text":"Okay.","start":599.14,"end":599.64,"sentiment":"neutral","sentiment_score":0.07345709204673767},{"text":"Perfect.","start":599.7,"end":600.2,"sentiment":"positive","sentiment_score":0.3405698239803314},{"text":"And how would you feel about volatility?","start":602.34,"end":605.88,"sentiment":"neutral","sentiment_score":0.027703861040728434},{"text":"So if, let's say, six months after placing an investment, you found out that your portfolio has decreased by 20% due to general trends in their financial market.","start":606.70496,"end":619.445,"sentiment":"neutral","sentiment_score":-0.12385993929845947}],"sentiment":"neutral","sentiment_score":-0.07619254770023483,"num_words":42,"start":594.82,"end":619.445},{"sentences":[{"text":"Now would you try to take advantage of that?","start":620.3,"end":623.89996,"sentiment":"neutral","sentiment_score":0.006924264546897676},{"text":"I think that now is potentially a good time to invest a little bit more while the prices are down, or would you kind of hold, wait to see what happens, Or would you want to shift through a more secure asset, but that means then you are then selling when the prices have already dropped?","start":623.89996,"end":642.425,"sentiment":"neutral","sentiment_score":0.029453110182657838},{"text":"It's a bit tricky because, obviously, it depends on what's going on.","start":653.45996,"end":656.2,"sentiment":"neutral","sentiment_score":-0.2692701295018196},{"text":"So exactly.","start":658.5,"end":660.95496,"sentiment":"neutral","sentiment_score":-0.02648400515317917},{"text":"Would you say kind of somewhere in the middle, hold and wait to see what happens, and then maybe sometimes invest a little bit, sometimes sell out depending on, I guess, forecasting and stuff like that.","start":661.975,"end":675.51,"sentiment":"neutral","sentiment_score":-0.05682525349160036}],"sentiment":"neutral","sentiment_score":-0.031462835990216424,"num_words":115,"start":620.3,"end":675.51},{"sentences":[{"text":"Yep.","start":678.20996,"end":678.70996,"sentiment":"neutral","sentiment_score":0.05563489720225334},{"text":"Yep.","start":679.01,"end":679.49,"sentiment":"neutral","sentiment_score":0.03653044253587723},{"text":"Okay.","start":679.49,"end":679.99,"sentiment":"neutral","sentiment_score":0.026719417423009872},{"text":"Next up is in regards to fluctuations in superannuation.","start":684.05,"end":689.505,"sentiment":"neutral","sentiment_score":-0.009746020452843772},{"text":"So have you ever noticed your superannuation obviously fall in value?","start":690.20496,"end":694.945,"sentiment":"neutral","sentiment_score":-0.07785546508702365}],"sentiment":"neutral","sentiment_score":-0.035879980124857117,"num_words":23,"start":678.20996,"end":694.945},{"sentences":[{"text":"Obviously, what's going on in the world the last twelve months?","start":696.445,"end":699.565,"sentiment":"neutral","sentiment_score":-0.061250931160016495},{"text":"We have seen a lot of fluctuations in in in the market and in the world.","start":699.565,"end":703.22003,"sentiment":"neutral","sentiment_score":-0.05824501859024167},{"text":"And then, obviously, going back to COVID as well, we did see, you know, a bit of fluctuation and stuff then as well.","start":703.76,"end":709.54,"sentiment":"neutral","sentiment_score":-0.05815934438420379},{"text":"If you did notice your superannuation, you know, full in value, how would that make you feel?","start":710.24,"end":717.475,"sentiment":"neutral","sentiment_score":0.1558311279205715},{"text":"Would you stay optimistic about potential future investment opportunities?","start":717.615,"end":722.435,"sentiment":"neutral","sentiment_score":0.19821401602692074}],"sentiment":"neutral","sentiment_score":0.019601445498042984,"num_words":76,"start":696.445,"end":722.435},{"sentences":[{"text":"A bit more, you know, neutral, not making further investments, or you think that would make you feel quite concerned or anxious?","start":723.935,"end":731.75995,"sentiment":"neutral","sentiment_score":-0.18366853825070642},{"text":"The middle?","start":737.98,"end":738.62,"sentiment":"neutral","sentiment_score":-0.014626162126660347},{"text":"Perfect.","start":738.62,"end":739.01996,"sentiment":"neutral","sentiment_score":0.08449610322713852},{"text":"So kind of a bit new.","start":739.01996,"end":740.39996,"sentiment":"neutral","sentiment_score":-0.02424802289654811},{"text":"Yeah.","start":743.13495,"end":743.615,"sentiment":"neutral","sentiment_score":-0.022642802447080612}],"sentiment":"neutral","sentiment_score":-0.1297998438240029,"num_words":32,"start":723.935,"end":743.615},{"sentences":[{"text":"Yes.","start":743.615,"end":744.115,"sentiment":"neutral","sentiment_score":-0.01103300414979458},{"text":"Yeah.","start":744.175,"end":744.57495,"sentiment":"neutral","sentiment_score":-0.0412011556327343},{"text":"No.","start":744.57495,"end":744.815,"sentiment":"neutral","sentiment_score":-0.11007565259933472},{"text":"Definitely.","start":744.815,"end":745.21497,"sentiment":"neutral","sentiment_score":-0.0819636881351471},{"text":"Then there might be a bit more of a structural issue.","start":745.21497,"end":747.13495,"sentiment":"neutral","sentiment_score":-0.11823135953057896}],"sentiment":"neutral","sentiment_score":-0.10298789702355862,"num_words":15,"start":743.615,"end":747.13495},{"sentences":[{"text":"Obviously, things do fluctuate short term, especially if you are in, you know, your high growth portfolio.","start":747.13495,"end":752.675,"sentiment":"neutral","sentiment_score":-0.03612679703270688},{"text":"It is kind of what you see and expect through periods of time.","start":752.735,"end":756.88,"sentiment":"neutral","sentiment_score":-0.11112475968324222},{"text":"But, obviously, if that goes on for a prolonged period of time, then, you know, there might need to be more drastic changes to be made.","start":757.02,"end":764.0,"sentiment":"neutral","sentiment_score":-0.23125889976150715},{"text":"Yep.","start":764.30005,"end":764.80005,"sentiment":"neutral","sentiment_score":0.04695060849189758},{"text":"And last one here, Adam, is have you ever considered taking out a loan to invest in stocks or funds?","start":765.66003,"end":771.675,"sentiment":"neutral","sentiment_score":0.00301078287884593}],"sentiment":"neutral","sentiment_score":-0.10343302017101993,"num_words":77,"start":747.13495,"end":771.675},{"sentences":[{"text":"No.","start":774.29504,"end":774.615,"sentiment":"neutral","sentiment_score":-0.11275602877140044},{"text":"Would you ever consider taking out a loan to buy an investment property?","start":774.615,"end":778.235,"sentiment":"neutral","sentiment_score":-0.09734353021933483},{"text":"Yep.","start":787.99005,"end":788.49005,"sentiment":"neutral","sentiment_score":0.05028914660215378},{"text":"Okay.","start":788.55005,"end":789.05005,"sentiment":"neutral","sentiment_score":0.0653274804353714},{"text":"Now that tells me here that you have come out as a growth investor.","start":790.07,"end":794.97003,"sentiment":"neutral","sentiment_score":0.10859399501766477}],"sentiment":"neutral","sentiment_score":0.008590354522069295,"num_words":30,"start":774.29504,"end":794.97003},{"sentences":[{"text":"And at the moment, we have you invested in a high growth portfolio.","start":795.865,"end":800.125,"sentiment":"neutral","sentiment_score":0.049643581303266376},{"text":"So do you know the difference between those two at all?","start":800.745,"end":803.965,"sentiment":"neutral","sentiment_score":-0.0055138715966181326},{"text":"Yeah.","start":808.92,"end":809.31995,"sentiment":"neutral","sentiment_score":0.03646191209554672},{"text":"How would you describe it to me?","start":809.31995,"end":811.01996,"sentiment":"neutral","sentiment_score":0.03446145196046148},{"text":"Putting you on the spot.","start":811.8,"end":812.93994,"sentiment":"neutral","sentiment_score":0.01882685273885727}],"sentiment":"neutral","sentiment_score":0.02585244078088451,"num_words":37,"start":795.865,"end":812.93994},{"sentences":[{"text":"Yep.","start":818.36,"end":818.86,"sentiment":"neutral","sentiment_score":-0.020101267844438553},{"text":"Mhmm.","start":828.375,"end":828.875,"sentiment":"neutral","sentiment_score":-0.021347323432564735},{"text":"Mhmm.","start":832.31,"end":832.81,"sentiment":"neutral","sentiment_score":-0.021927494555711743},{"text":"You are on the right path, though.","start":836.07,"end":837.67,"sentiment":"positive","sentiment_score":0.41777560540608},{"text":"Like, you your the concept is definitely there.","start":837.67,"end":840.17,"sentiment":"positive","sentiment_score":0.3719229344278574}],"sentiment":"neutral","sentiment_score":0.3242464793018169,"num_words":18,"start":818.36,"end":840.17},{"sentences":[{"text":"And, you know, if if we do think typically between a high growth and growth, obviously, the focus still to maximize growth into your preannuation while you do have, you know, plenty of time until you do retire.","start":841.11,"end":851.945,"sentiment":"neutral","sentiment_score":0.07929226716882304},{"text":"And in both scenarios, you are, you know, prepared to experience a level of fluctuation in order to kind of grow your super long term.","start":852.565,"end":861.88,"sentiment":"neutral","sentiment_score":0.019607237577438354},{"text":"The difference between them typically is that in a high growth portfolio, that is how you are currently invested, we see about 90% of the funds invested in growth assets.","start":862.18005,"end":873.64,"sentiment":"neutral","sentiment_score":0.05654443837702274},{"text":"So that will be things like Australian shares, international shares, property, and commodity.","start":874.235,"end":879.135,"sentiment":"neutral","sentiment_score":0.15486799065883344},{"text":"And that is what's going to maximize those return for you and only about 10% in your defensive investment.","start":879.83496,"end":888.095,"sentiment":"neutral","sentiment_score":0.24500286069355512}],"sentiment":"neutral","sentiment_score":0.0949436677992344,"num_words":125,"start":841.11,"end":888.095},{"sentences":[{"text":"So that will be, like, your cash, your gold, your fixed interest, for example.","start":888.635,"end":892.27,"sentiment":"neutral","sentiment_score":0.12634666849459922},{"text":"So they're in the fluctuations a little bit.","start":892.27,"end":894.45,"sentiment":"neutral","sentiment_score":0.001928737387061119},{"text":"Now in a growth portfolio, it's about a 10% difference.","start":894.75,"end":899.09,"sentiment":"neutral","sentiment_score":0.16755467653274536},{"text":"So you have 80% in your growth and 20 in defensive.","start":899.15,"end":903.81,"sentiment":"neutral","sentiment_score":0.24487134543332187},{"text":"Typically, in a high growth, you would see higher fluctuations short term, but long term, you can see higher returns as as a result.","start":904.96497,"end":914.02496,"sentiment":"neutral","sentiment_score":0.29376015563805896}],"sentiment":"neutral","sentiment_score":0.19706953072281025,"num_words":67,"start":888.635,"end":914.02496},{"sentences":[{"text":"Growth, obviously, you see slightly less fluctuations, but you can obviously have a little bit less growth in the returns as well.","start":915.76495,"end":923.34,"sentiment":"neutral","sentiment_score":0.061734692616896195},{"text":"Looking at a time frame point of view, so making sure that you have enough time in the market for those fluctuations.","start":924.92004,"end":931.26,"sentiment":"neutral","sentiment_score":0.13427963277155702},{"text":"In a high growth, we wanna allow a minimum of eight years until retirement to make sure you have enough time in the market.","start":932.565,"end":939.625,"sentiment":"neutral","sentiment_score":0.2325012410680453},{"text":"Growth, we say minimum six years.","start":940.485,"end":942.745,"sentiment":"neutral","sentiment_score":0.15257141118248305},{"text":"How do you feel at the moment?","start":943.84503,"end":945.865,"sentiment":"neutral","sentiment_score":0.21398550271987915}],"sentiment":"neutral","sentiment_score":0.1519218756828779,"num_words":81,"start":915.76495,"end":945.865},{"sentences":[{"text":"Do you feel that you are comfortable taking on a little bit more high growth to get that growth long term?","start":945.925,"end":953.72003,"sentiment":"neutral","sentiment_score":0.27307032971155076},{"text":"Are you feeling a little bit more risk advanced?","start":953.86,"end":956.52,"sentiment":"neutral","sentiment_score":-0.10722863094674216},{"text":"Would you like to change it?","start":956.74,"end":958.60004,"sentiment":"neutral","sentiment_score":-0.07675611538191636},{"text":"What do you think?","start":959.22003,"end":960.28,"sentiment":"neutral","sentiment_score":0.02072071935981512},{"text":"Yeah.","start":971.645,"end":972.145,"sentiment":"neutral","sentiment_score":-0.04105030372738838}],"sentiment":"neutral","sentiment_score":0.10611500309371366,"num_words":41,"start":945.925,"end":972.145},{"sentences":[{"text":"It's ultimately, up yeah.","start":973.085,"end":976.08997,"sentiment":"neutral","sentiment_score":-0.122813462279737},{"text":"Ultimately, it's kind of up through what you are comfortable with.","start":976.08997,"end":979.37,"sentiment":"neutral","sentiment_score":0.13837708736007864},{"text":"So from a time frame point of view, you do have plenty of time until retirement.","start":979.37,"end":983.23,"sentiment":"neutral","sentiment_score":0.2008591778576374},{"text":"So we typically see, you know, a lot of clients in your age around a high growth, if not even more, because you have the time.","start":983.37,"end":990.975,"sentiment":"neutral","sentiment_score":0.14017551850814086},{"text":"But at the same time, you also then play in with your risk tolerance.","start":991.035,"end":994.975,"sentiment":"neutral","sentiment_score":0.13907843083143234}],"sentiment":"neutral","sentiment_score":0.13853947141430747,"num_words":71,"start":973.085,"end":994.975},{"sentences":[{"text":"But if you see a lot of fluctuations and if you have, you know, a year or so where it is down, if that's going to make you quite concerned, we could look at changing up.","start":995.435,"end":1007.0,"sentiment":"neutral","sentiment_score":-0.1191883941905366},{"text":"The only thing is by changing it, it will mean that, obviously, you would sell down some investments, so that can be a little bit of capital gains tax.","start":1007.0,"end":1015.82,"sentiment":"neutral","sentiment_score":-0.010011474890955564},{"text":"With it, we obviously try to minimize that by looking at swapping a few things out to minimize it, and it is more of your your long term investment.","start":1016.12006,"end":1026.385,"sentiment":"neutral","sentiment_score":0.13890654439556188},{"text":"So, typically, if we are decreasing it, which we're more than happy to do if you are comp if you would prefer, It is something that you ideally want to leave for a longer period of time.","start":1026.385,"end":1036.88,"sentiment":"neutral","sentiment_score":0.15422003232949488},{"text":"So it's not typically something you want to do each year.","start":1037.18,"end":1040.78,"sentiment":"neutral","sentiment_score":0.015603951771150936}],"sentiment":"neutral","sentiment_score":0.03749971472146645,"num_words":142,"start":995.435,"end":1040.78},{"sentences":[{"text":"You wanna unless you you get to a point where you are getting close to retirement, then we do wanna, you know, gradually take it down the rest.","start":1040.78,"end":1048.3201,"sentiment":"neutral","sentiment_score":0.0522437243323241},{"text":"Yeah?","start":1050.8251,"end":1051.3251,"sentiment":"neutral","sentiment_score":0.07021437585353851},{"text":"Are you sure?","start":1051.385,"end":1052.2051,"sentiment":"neutral","sentiment_score":0.06211052338282267},{"text":"Okay.","start":1052.905,"end":1053.405,"sentiment":"neutral","sentiment_score":0.06281158328056335},{"text":"Yeah.","start":1057.0651,"end":1057.5651,"sentiment":"neutral","sentiment_score":-0.011166084557771684}],"sentiment":"neutral","sentiment_score":0.052088697824408024,"num_words":34,"start":1040.78,"end":1057.5651},{"sentences":[{"text":"Okay.","start":1058.3451,"end":1058.8251,"sentiment":"neutral","sentiment_score":0.21940933167934415},{"text":"Perfect.","start":1058.8251,"end":1059.3251,"sentiment":"positive","sentiment_score":0.4450387954711914},{"text":"And kind of like we touched on already as well that, you know, in a high growth portfolio, typically, the likelihood of a negative return, now that is obviously you don't know what's going to happen in the world, or the market, we see about one in every five years.","start":1059.865,"end":1074.3,"sentiment":"neutral","sentiment_score":-0.06971181496977806},{"text":"So during, obviously, their investing period, there's going to be times like now, for example, where we've seen a lot more changes, and things aren't obviously growing as much.","start":1074.3,"end":1085.355,"sentiment":"neutral","sentiment_score":-0.031218212290570653},{"text":"But then with how your investments are invested as well, it will grow long term.","start":1085.415,"end":1090.77,"sentiment":"neutral","sentiment_score":0.21088750412066778}],"sentiment":"neutral","sentiment_score":-0.0058662314161968725,"num_words":96,"start":1058.3451,"end":1090.77},{"sentences":[{"text":"Now if we obviously see that there are some of those investments that need to be structurally changed, then we can still do so.","start":1090.85,"end":1097.5701,"sentiment":"neutral","sentiment_score":0.04835106634224454},{"text":"And I do wanna kind of go through the investments a little bit with you, and there is one that I'm would like to swap out for you if you're happy to do so.","start":1097.5701,"end":1106.23,"sentiment":"neutral","sentiment_score":0.1875455204178305},{"text":"But, otherwise, we'll leave high growth for now.","start":1106.795,"end":1109.6749,"sentiment":"neutral","sentiment_score":0.0021489281207323074},{"text":"Now if you wanna obviously revisit that at any point in time, if you don't feel comfortable, just give me a call or we can kind of reassess it at next under review.","start":1109.6749,"end":1118.095,"sentiment":"neutral","sentiment_score":0.0806087674678896},{"text":"So given the time frame you have for the fluctuations, it's it's a suitable portfolio as long as, yeah, you are kind of comfortable with that.","start":1118.48,"end":1127.54,"sentiment":"neutral","sentiment_score":0.1764077045596563}],"sentiment":"neutral","sentiment_score":0.11840683485101909,"num_words":125,"start":1090.85,"end":1127.54},{"sentences":[{"text":"Yeah.","start":1129.2001,"end":1129.6,"sentiment":"neutral","sentiment_score":0.18335917592048645},{"text":"Perfect.","start":1129.6,"end":1130.1,"sentiment":"neutral","sentiment_score":0.2602674067020416},{"text":"Now are you still driving, or do you have access to your emails?","start":1131.295,"end":1134.8351,"sentiment":"neutral","sentiment_score":0.014218850204577813},{"text":"Okay.","start":1137.935,"end":1138.435,"sentiment":"neutral","sentiment_score":-0.07047948241233826},{"text":"No.","start":1140.255,"end":1140.495,"sentiment":"neutral","sentiment_score":-0.08298985660076141}],"sentiment":"neutral","sentiment_score":0.027941311545231762,"num_words":17,"start":1129.2001,"end":1140.495},{"sentences":[{"text":"It's up to you.","start":1140.495,"end":1141.4551,"sentiment":"neutral","sentiment_score":-0.02124201226979494},{"text":"I have sent you an email with some documents.","start":1141.4551,"end":1144.175,"sentiment":"neutral","sentiment_score":0.10502121845881145},{"text":"I quickly wanna run through it with you.","start":1144.175,"end":1146.51,"sentiment":"neutral","sentiment_score":0.22415628656744957},{"text":"The only reason I do ask if you have access to your emails is that it makes it a bit more interactive for you.","start":1147.0701,"end":1152.61,"sentiment":"neutral","sentiment_score":0.1412077920200924},{"text":"But if you are happy for me to just kind of run through the documents while you're driving, then I'm happy to do so.","start":1152.67,"end":1159.0701,"sentiment":"positive","sentiment_score":0.6185632683336735}],"sentiment":"neutral","sentiment_score":0.3027243283779725,"num_words":69,"start":1140.495,"end":1159.0701},{"sentences":[{"text":"And then when you you know, it's obviously safe for you to do so.","start":1159.0701,"end":1161.645,"sentiment":"positive","sentiment_score":0.5983297526836395},{"text":"And when you have some time, you can just have a look over them.","start":1161.645,"end":1164.8451,"sentiment":"positive","sentiment_score":0.4011516145297459},{"text":"And then if you have any questions, you can always give me a callback.","start":1164.8451,"end":1167.505,"sentiment":"neutral","sentiment_score":0.2649752465741975},{"text":"Yeah.","start":1169.7251,"end":1170.2251,"sentiment":"neutral","sentiment_score":0.3234432339668274},{"text":"Yeah.","start":1170.285,"end":1170.6051,"sentiment":"positive","sentiment_score":0.3462708294391632}],"sentiment":"positive","sentiment_score":0.4175478785552762,"num_words":44,"start":1159.0701,"end":1170.6051},{"sentences":[{"text":"Okay.","start":1170.6051,"end":1171.005,"sentiment":"positive","sentiment_score":0.5196141004562378},{"text":"Perfect.","start":1171.005,"end":1171.505,"sentiment":"positive","sentiment_score":0.6952628493309021},{"text":"So have a look through your emails when you have a moment.","start":1171.5651,"end":1174.6051,"sentiment":"neutral","sentiment_score":0.3162934792538484},{"text":"Now we have just changed our software.","start":1174.6051,"end":1177.19,"sentiment":"neutral","sentiment_score":0.08426295486944062},{"text":"So it's going to look a little bit different through the DocuSign that you are used through.","start":1177.25,"end":1182.79,"sentiment":"neutral","sentiment_score":0.08967043547069325}],"sentiment":"neutral","sentiment_score":0.18749044178739974,"num_words":38,"start":1170.6051,"end":1182.79},{"sentences":[{"text":"It's still kind of the same, though, with the digital signature, but it will look a little bit different.","start":1183.01,"end":1187.35,"sentiment":"neutral","sentiment_score":0.06038587795276391},{"text":"So when you do get the email, before you click on the link, there are a couple of attachments.","start":1187.41,"end":1194.035,"sentiment":"neutral","sentiment_score":0.08937108124557294},{"text":"So these are all the attachments, just for your reference that you don't need to sign, but it's all there so you can have a look at it.","start":1194.095,"end":1201.375,"sentiment":"neutral","sentiment_score":0.19187848748905317},{"text":"So when you do have a look at it, you will see, the first one, which is your Vanguard index chart.","start":1201.375,"end":1207.7001,"sentiment":"neutral","sentiment_score":0.18201264455204919},{"text":"Now you probably would have seen this last time, at your under review.","start":1208.0,"end":1211.4401,"sentiment":"neutral","sentiment_score":0.131611278710457}],"sentiment":"neutral","sentiment_score":0.13751192033290863,"num_words":100,"start":1183.01,"end":1211.4401},{"sentences":[{"text":"It's a bit of an updated one, but it is a good one to to kind of give you a good visual representation of what we are talking about when we're talking about the market.","start":1211.4401,"end":1222.195,"sentiment":"positive","sentiment_score":0.4306694405419486},{"text":"Especially in kind of today's environment as well, it is good to kind of see that more long term picture.","start":1222.495,"end":1228.61,"sentiment":"positive","sentiment_score":0.4574067234992981},{"text":"So when you do have a look at it, you will see that it goes back to 1995 and then all the ups and downs that's happened in the world since then until 2025.","start":1228.75,"end":1239.57,"sentiment":"neutral","sentiment_score":0.08946030860876336},{"text":"Now it also breaks down the different asset classes.","start":1240.285,"end":1243.505,"sentiment":"neutral","sentiment_score":0.13495519922839272},{"text":"So it breaks down your US shares, Australian shares, international shares, and property.","start":1243.645,"end":1249.025,"sentiment":"neutral","sentiment_score":0.1272802478992022}],"sentiment":"neutral","sentiment_score":0.27146356213871425,"num_words":111,"start":1211.4401,"end":1249.025},{"sentences":[{"text":"Now these top four are your growth investments, like I mentioned earlier.","start":1249.405,"end":1254.7051,"sentiment":"neutral","sentiment_score":0.2822269449631373},{"text":"And then you have your bottom three, which are your defensive.","start":1255.19,"end":1258.25,"sentiment":"neutral","sentiment_score":0.19707945751195605},{"text":"And when you do have a look at it, you will see that the the growth investments, these are the ones that have grown, significantly the most, but they also fluctuate the most in the short term.","start":1258.5499,"end":1270.455,"sentiment":"neutral","sentiment_score":0.15075655019766576},{"text":"Now when you do have a look at it as well is that when you when you look at it, you will see that the biggest drops in the market are quite closely followed by big increases again.","start":1271.6549,"end":1285.195,"sentiment":"neutral","sentiment_score":0.05812817959016875},{"text":"Typically speaking as well, obviously, we don't wanna sell out unless there is structural issues or we don't foresee anything coming back around.","start":1285.77,"end":1292.99,"sentiment":"neutral","sentiment_score":-0.06229579978136589}],"sentiment":"neutral","sentiment_score":0.09841865420626277,"num_words":121,"start":1249.405,"end":1292.99},{"sentences":[{"text":"You wanna obviously avoid sometimes selling at the bottom because that's when you only crystallize the losses while you're selling at the bottom, and sometimes that's even a good buying opportunity for potentially buying a little bit cheaper as long as you obviously foresee that to come back around.","start":1293.29,"end":1307.505,"sentiment":"neutral","sentiment_score":0.11704681091466729},{"text":"So that Vandex index chart, it just kind of gives you a good visualization of that, essentially, Which then takes us through your portfolio.","start":1308.4451,"end":1317.75,"sentiment":"neutral","sentiment_score":0.24983794490496317},{"text":"So part of it as well, you will see a twelve month report.","start":1317.89,"end":1321.35,"sentiment":"neutral","sentiment_score":0.16683404720746553},{"text":"Now this one here shows you all your all your investments, how they have performed over the last twelve months.","start":1321.89,"end":1329.455,"sentiment":"neutral","sentiment_score":0.23596788421273232},{"text":"Now everything is net of fees.","start":1329.455,"end":1331.715,"sentiment":"neutral","sentiment_score":0.056389592277506985}],"sentiment":"neutral","sentiment_score":0.1692673416442371,"num_words":112,"start":1293.29,"end":1331.715},{"sentences":[{"text":"So like I said, obviously, there's been a lot of fluctuations in the market over the last twelve months.","start":1332.1749,"end":1337.5549,"sentiment":"neutral","sentiment_score":-0.033652590881837044},{"text":"So after after all fees have come out of your account, your portfolio and now this doesn't include contributions.","start":1338.8949,"end":1347.12,"sentiment":"neutral","sentiment_score":-0.003403054011103354},{"text":"That is just your investment.","start":1347.26,"end":1348.8,"sentiment":"neutral","sentiment_score":0.014625244587659837},{"text":"It has gone up by about 0.24%.","start":1349.66,"end":1353.52,"sentiment":"neutral","sentiment_score":0.0816373521728175},{"text":"So it's still gone up a little bit.","start":1355.115,"end":1356.9751,"sentiment":"neutral","sentiment_score":0.01615747227333486}],"sentiment":"neutral","sentiment_score":0.0012032795408419494,"num_words":58,"start":1332.1749,"end":1356.9751},{"sentences":[{"text":"Obviously, there has been a lot of fluctuations in the market like I mentioned.","start":1357.115,"end":1360.895,"sentiment":"neutral","sentiment_score":-0.09278490580618382},{"text":"But one of the investments in your portfolio, which is the one that kind of underperformed the most, I would like to look at changing if you are happy to do so.","start":1361.995,"end":1374.22,"sentiment":"neutral","sentiment_score":-0.03687489203457517},{"text":"So that is your Benelong Australian equity.","start":1374.6,"end":1379.16,"sentiment":"neutral","sentiment_score":0.10962466150522232},{"text":"So when you have a look at that, it's your top managed fund option when you look at this report.","start":1379.16,"end":1383.6549,"sentiment":"neutral","sentiment_score":0.12551918886601926},{"text":"So it might look a little bit messy, but it's the Benelon Australian equity one.","start":1384.2749,"end":1389.715,"sentiment":"neutral","sentiment_score":0.059458394348621366}],"sentiment":"neutral","sentiment_score":0.019211898826060034,"num_words":88,"start":1357.115,"end":1389.715},{"sentences":[{"text":"Now the reason is that when we originally added this to your portfolio when you came on board, it was doing really, really well.","start":1389.715,"end":1397.25,"sentiment":"positive","sentiment_score":0.5097579931219419},{"text":"It was one of the top performing fund managers at the time, and they have done really well.","start":1397.25,"end":1402.71,"sentiment":"positive","sentiment_score":0.6100683394405577},{"text":"Now the purpose of that investment was to try to investment in order to tryna outperform the market, which they had done really, really well at.","start":1403.09,"end":1422.065,"sentiment":"positive","sentiment_score":0.37891879161963093},{"text":"But more recently, some of their, choices in the investments haven't performed as well.","start":1422.065,"end":1428.3301,"sentiment":"neutral","sentiment_score":-0.3037073825086866},{"text":"They've been a little bit slower with making changes as well.","start":1428.3301,"end":1431.55,"sentiment":"negative","sentiment_score":-0.5625919564203783}],"sentiment":"neutral","sentiment_score":0.24329995323893844,"num_words":93,"start":1389.715,"end":1431.55},{"sentences":[{"text":"And, also, one of the other reasons why, that investment kind of underperformed a little bit was that one of the, kind of underperformed a little bit was that one of the companies that they had in their portfolio was the Corporate Travel Group.","start":1432.17,"end":1444.665,"sentiment":"neutral","sentiment_score":-0.30896511267532},{"text":"I'm not sure if you've heard of it.","start":1444.665,"end":1446.745,"sentiment":"neutral","sentiment_score":-0.15209175739437342},{"text":"It was on the news and stuff like that as well.","start":1446.745,"end":1449.245,"sentiment":"neutral","sentiment_score":-0.14239456098188052},{"text":"Corporate Travel Group.","start":1451.25,"end":1452.87,"sentiment":"neutral","sentiment_score":-0.090451180934906},{"text":"No.","start":1454.85,"end":1455.35,"sentiment":"neutral","sentiment_score":-0.23914778232574463}],"sentiment":"neutral","sentiment_score":-0.2520603061611973,"num_words":67,"start":1432.17,"end":1455.35},{"sentences":[{"text":"Essentially, it was a company where they weren't really disclosing their reporting correctly.","start":1456.2899,"end":1463.11,"sentiment":"neutral","sentiment_score":-0.25621910851735336},{"text":"So because of that, it actually caused a suspense from trading.","start":1463.955,"end":1468.0549,"sentiment":"negative","sentiment_score":-0.4039790494875474},{"text":"And kind of because of that, obviously, the the investments fell.","start":1468.595,"end":1471.975,"sentiment":"negative","sentiment_score":-0.33820216764103284},{"text":"Now we've done a lot of investments on all your investments, and some of them are more your cyclical changes Where it's, for example, the beta share cybersecurity, which is one of your satellite investments, it's more of what is going on in the world.","start":1472.035,"end":1487.22,"sentiment":"neutral","sentiment_score":0.016152949703650343},{"text":"We still very much believe in that investment, so we then don't wanna sell out of those.","start":1487.22,"end":1491.705,"sentiment":"neutral","sentiment_score":-0.016802679089938894}],"sentiment":"neutral","sentiment_score":-0.11395468667015127,"num_words":97,"start":1456.2899,"end":1491.705},{"sentences":[{"text":"But the Benelong one, we do see that because they're a bit of it slower in making those changes, and because it has that active component, they are a little bit more expensive.","start":1492.105,"end":1502.205,"sentiment":"negative","sentiment_score":-0.3377904131105452},{"text":"So the investment committee have done extensive research on all the investments and kind of come to the decision as well that we would like to swap it out because we don't foresee kind of increasing as much or be the best option moving forward.","start":1502.745,"end":1516.48,"sentiment":"neutral","sentiment_score":-0.12984961171944936},{"text":"So because you are obviously selling out of an Australian investment, we have come up with another investment option to change it for, which is your a 200.","start":1517.26,"end":1529.4551,"sentiment":"neutral","sentiment_score":-0.13016499099986895},{"text":"So, again, it is including your Australian investment, but it is a little bit more simplified in that you are not actively trying to buy and sell investments.","start":1529.515,"end":1537.775,"sentiment":"neutral","sentiment_score":0.06812344059082014},{"text":"And instead, you're kind of tracking the 200 largest companies on the ASX or in Australia.","start":1538.21,"end":1543.99,"sentiment":"neutral","sentiment_score":0.1022173804230988}],"sentiment":"neutral","sentiment_score":-0.11394667656471331,"num_words":150,"start":1492.105,"end":1543.99},{"sentences":[{"text":"So as a company kind of grows, they get included on it.","start":1544.37,"end":1547.67,"sentiment":"neutral","sentiment_score":0.13416075644393763},{"text":"As a company doesn't grow, don't do as well, it kind of falls off.","start":1547.73,"end":1552.455,"sentiment":"neutral","sentiment_score":-0.05232161682631288},{"text":"So it's kind of a little bit more steady while still having the growth.","start":1552.5349,"end":1556.475,"sentiment":"neutral","sentiment_score":0.24092921987175941},{"text":"And because of that, it is actually making the investments a little bit cheaper, and it has also performed a little bit better.","start":1557.015,"end":1564.075,"sentiment":"positive","sentiment_score":0.5700362557950227},{"text":"Are you happy for us to go and make that change for you?","start":1565.68,"end":1570.18,"sentiment":"positive","sentiment_score":0.6415937909713159}],"sentiment":"positive","sentiment_score":0.33818406165626486,"num_words":76,"start":1544.37,"end":1570.18},{"sentences":[{"text":"Yeah.","start":1571.76,"end":1572.0,"sentiment":"neutral","sentiment_score":0.3002259135246277},{"text":"Okay.","start":1572.0,"end":1572.4,"sentiment":"neutral","sentiment_score":0.23634697496891025},{"text":"So what I will do just for your record so that you have it, I will get the team to email you.","start":1572.4,"end":1578.9,"sentiment":"neutral","sentiment_score":0.21556971154429697},{"text":"It's called a record of advice.","start":1578.96,"end":1581.14,"sentiment":"neutral","sentiment_score":0.21554541091124216},{"text":"You don't have to sign it.","start":1581.375,"end":1582.575,"sentiment":"neutral","sentiment_score":0.13425116489330927}],"sentiment":"neutral","sentiment_score":0.20494127770264944,"num_words":36,"start":1571.76,"end":1582.575},{"sentences":[{"text":"It's just for your records to indicate the the swap by Benelung Australian Equity to the a 200 just so you have it for your record.","start":1582.575,"end":1590.995,"sentiment":"neutral","sentiment_score":0.24497432605578348},{"text":"And we'll go ahead and make that change.","start":1592.575,"end":1594.915,"sentiment":"neutral","sentiment_score":0.2984571475535631},{"text":"Now, otherwise, when it comes through the documents, so almost finished, you will have a super insurance summary.","start":1595.8401,"end":1602.3401,"sentiment":"neutral","sentiment_score":0.14386922328008545},{"text":"That one basically shows you your current superannuation balance.","start":1603.2001,"end":1607.2201,"sentiment":"neutral","sentiment_score":0.13760942882961696},{"text":"So at the moment, it's at 137,701.","start":1607.36,"end":1612.875,"sentiment":"neutral","sentiment_score":0.10439700101103101}],"sentiment":"neutral","sentiment_score":0.1958220521097674,"num_words":68,"start":1582.575,"end":1612.875},{"sentences":[{"text":"And then you also have your Clearview insurances.","start":1613.335,"end":1615.915,"sentiment":"neutral","sentiment_score":0.08677089214324951},{"text":"So you have life and total permanent disability.","start":1616.455,"end":1620.075,"sentiment":"neutral","sentiment_score":0.09024827647954226},{"text":"Now that is 1,575,075 worth of that.","start":1620.79,"end":1626.89,"sentiment":"neutral","sentiment_score":0.10816798997776848},{"text":"And then you also have your income protection.","start":1628.47,"end":1630.57,"sentiment":"neutral","sentiment_score":0.05319291818886995},{"text":"Now your income protection is paying 6,000 sorry.","start":1630.79,"end":1635.595,"sentiment":"neutral","sentiment_score":-0.009099527960643172}],"sentiment":"neutral","sentiment_score":0.06477118976032123,"num_words":39,"start":1613.335,"end":1635.595},{"sentences":[{"text":"My computer just froze for a moment.","start":1635.595,"end":1637.5349,"sentiment":"neutral","sentiment_score":-0.31835828934397015},{"text":"Just bear with me.","start":1639.115,"end":1640.075,"sentiment":"neutral","sentiment_score":-0.16599975898861885},{"text":"Always like that with technology, isn't it?","start":1640.075,"end":1642.335,"sentiment":"neutral","sentiment_score":-0.12562523729034833},{"text":"It's always when it doesn't work, and it's I think IT is doing something, but let me just try to get that up for you.","start":1644.315,"end":1652.59,"sentiment":"neutral","sentiment_score":-0.11065402805805206},{"text":"It's great when it works, but when it has its moments, it's let me just try to close it down for you.","start":1652.59,"end":1659.09,"sentiment":"neutral","sentiment_score":0.14326696978373962}],"sentiment":"neutral","sentiment_score":-0.052097862901595925,"num_words":65,"start":1635.595,"end":1659.09},{"sentences":[{"text":"Now while I wait for this to come back up, obviously, if you are expecting a bit of a a pay rise, there is a chance that, obviously, your income protection will be slightly underinsured.","start":1659.55,"end":1670.465,"sentiment":"neutral","sentiment_score":-0.07176247901682342},{"text":"So, obviously because you can have up to 70% of your income covered.","start":1671.725,"end":1675.985,"sentiment":"neutral","sentiment_score":-0.002632749338562672},{"text":"Would you like to look at increasing it, or are you still feel like the amount you are covered for will still kind of cover cover you?","start":1676.82,"end":1686.1799,"sentiment":"neutral","sentiment_score":-0.0424212491898625},{"text":"Because if we do increase it, it will get more expensive because you are covered for more, And we have to go through kind of the underwriting process again.","start":1686.1799,"end":1696.225,"sentiment":"neutral","sentiment_score":-0.1496797150065159},{"text":"But if you feel like it is slightly less at the moment and you want more, we can go down that path as well.","start":1696.765,"end":1703.5651,"sentiment":"neutral","sentiment_score":-0.04135489805291096}],"sentiment":"neutral","sentiment_score":-0.07050402752793161,"num_words":128,"start":1659.55,"end":1703.5651},{"sentences":[{"text":"It is up to you.","start":1703.5651,"end":1704.865,"sentiment":"neutral","sentiment_score":0.13393449187278747},{"text":"Yep.","start":1712.86,"end":1713.36,"sentiment":"neutral","sentiment_score":0.21738046407699585},{"text":"And if it changes, obviously, when you do find out the pay rise, if it's kind of more than expected or if at any point in time you do change your mind, just give me a call again, and we can always run through it with you.","start":1713.42,"end":1728.995,"sentiment":"neutral","sentiment_score":0.14852747321128845},{"text":"Now my computer is still not really working, so I can't see the documents, but you will get email them, and you can have a look at it.","start":1731.51,"end":1739.03,"sentiment":"neutral","sentiment_score":-0.0404956117272377},{"text":"And that basically just breaks down your income protection.","start":1739.03,"end":1741.61,"sentiment":"neutral","sentiment_score":0.07967702589101261}],"sentiment":"neutral","sentiment_score":0.08278955854475498,"num_words":90,"start":1703.5651,"end":1741.61},{"sentences":[{"text":"It also shows you the total premium for all of them.","start":1741.67,"end":1744.81,"sentiment":"neutral","sentiment_score":0.0892190347340974},{"text":"And you don't pay for them out of pocket.","start":1745.385,"end":1747.4651,"sentiment":"neutral","sentiment_score":-0.05866082374834352},{"text":"It's all through your superannuation.","start":1747.4651,"end":1749.165,"sentiment":"neutral","sentiment_score":0.03622927889227867},{"text":"Yep.","start":1751.385,"end":1751.885,"sentiment":"neutral","sentiment_score":0.11789899319410324},{"text":"Now some other documents you will see, you will see just an updated financial services guide for you.","start":1752.425,"end":1758.4451,"sentiment":"neutral","sentiment_score":0.20252390205860138}],"sentiment":"neutral","sentiment_score":0.09995312711477956,"num_words":44,"start":1741.67,"end":1758.4451},{"sentences":[{"text":"It's one of those compliance documents.","start":1758.54,"end":1760.38,"sentiment":"neutral","sentiment_score":0.22651288161675134},{"text":"It's just a bit of an updated version.","start":1760.38,"end":1762.06,"sentiment":"neutral","sentiment_score":0.22534288838505745},{"text":"We've had some changes to our marketing, which is great, and also a bit of an extension to the team.","start":1762.06,"end":1766.78,"sentiment":"positive","sentiment_score":0.4933926209807396},{"text":"So if you wanna have a read over, those two, it's all in there for you.","start":1766.78,"end":1771.18,"sentiment":"neutral","sentiment_score":0.29127377457916737},{"text":"Again, just if you want to, but all the important information about us is in there.","start":1771.18,"end":1776.3451,"sentiment":"neutral","sentiment_score":0.2130875438451767}],"sentiment":"neutral","sentiment_score":0.31968869562401914,"num_words":66,"start":1758.54,"end":1776.3451},{"sentences":[{"text":"If you do have a read over it, I'm also there on page 10, I believe, in the big document if you do wanna put a face to the voice.","start":1776.3451,"end":1783.245,"sentiment":"neutral","sentiment_score":0.12379218290249507},{"text":"Perfect.","start":1785.56,"end":1785.9601,"sentiment":"neutral","sentiment_score":0.23082153499126432},{"text":"And the last thing is that when you then click on the link, it will just be asking you to sign through documents.","start":1785.9601,"end":1792.54,"sentiment":"neutral","sentiment_score":0.16289890784284342},{"text":"Now that is your ongoing service agreement, which is just to say that you are happy to stay on as a client, and we can keep servicing you.","start":1792.92,"end":1801.385,"sentiment":"positive","sentiment_score":0.5504711217113903},{"text":"But as with any time, it is not a lock in contract.","start":1801.525,"end":1804.4851,"sentiment":"neutral","sentiment_score":0.0862758116175731}],"sentiment":"neutral","sentiment_score":0.25680598989129066,"num_words":94,"start":1776.3451,"end":1804.4851},{"sentences":[{"text":"So if at any point in time you are not happy, there is no lock in contract.","start":1804.4851,"end":1808.9651,"sentiment":"neutral","sentiment_score":-0.016207300345687306},{"text":"But, otherwise, this essentially just lets us service you make these changes and everything for you, otherwise.","start":1808.9651,"end":1814.425,"sentiment":"positive","sentiment_score":0.38371534119634065},{"text":"And then and then the last thing is just a tax file number.","start":1816.57,"end":1819.61,"sentiment":"neutral","sentiment_score":0.2581860663799139},{"text":"It's just a compliance document, basically, to say that we do keep your tax file number secure on file.","start":1819.61,"end":1824.51,"sentiment":"positive","sentiment_score":0.3371960120765786},{"text":"And that was essentially all those documents.","start":1824.65,"end":1826.91,"sentiment":"neutral","sentiment_score":0.22322964881147658}],"sentiment":"neutral","sentiment_score":0.2407313332676071,"num_words":73,"start":1804.4851,"end":1826.91},{"sentences":[{"text":"Do you have any other questions for me, Adam?","start":1827.9299,"end":1830.51,"sentiment":"neutral","sentiment_score":0.0930341167582406},{"text":"No?","start":1832.5449,"end":1832.945,"sentiment":"neutral","sentiment_score":0.04929476976394653},{"text":"Perfect.","start":1832.945,"end":1833.445,"sentiment":"positive","sentiment_score":0.4153655171394348},{"text":"There is one thing I do wanted to quickly check with you is that I know you've been speaking to my colleague, Jack, in regards to potentially do you know what that's about?","start":1833.6649,"end":1844.245,"sentiment":"neutral","sentiment_score":0.1024249850800543},{"text":"Do you want to go down that and having a look at getting that back exclusion removed, or what are you what are you feeling?","start":1846.63,"end":1854.4099,"sentiment":"neutral","sentiment_score":-0.0336140738427639}],"sentiment":"neutral","sentiment_score":0.05567594201884408,"num_words":69,"start":1827.9299,"end":1854.4099},{"sentences":[{"text":"No?","start":1858.645,"end":1858.965,"sentiment":"neutral","sentiment_score":-0.18108098208904264},{"text":"Okay.","start":1858.965,"end":1859.465,"sentiment":"neutral","sentiment_score":-0.11221621930599213},{"text":"Just let me know if it does take I know it's a a tedious thing sometimes, and the insurer can be a bit particular with these things.","start":1860.005,"end":1867.705,"sentiment":"neutral","sentiment_score":-0.20903745348806735},{"text":"They are obviously assessing risk.","start":1868.485,"end":1870.505,"sentiment":"neutral","sentiment_score":-0.21114281117916106},{"text":"So it is a bit tedious to do If it is that we can get a back exclusion removed, it is always something I do strongly suggest because if something ever were to happen to you and you do have the back exclusion and you don't get covered, especially if there is a situation where you don't have any issues and you could be covered.","start":1871.045,"end":1891.4149,"sentiment":"neutral","sentiment_score":-0.12009371089247557}],"sentiment":"neutral","sentiment_score":-0.1494859970654502,"num_words":99,"start":1858.645,"end":1891.4149},{"sentences":[{"text":"So have a think about it.","start":1891.875,"end":1893.735,"sentiment":"neutral","sentiment_score":0.14655637616912523},{"text":"And if it is something you want to look at again, I yeah.","start":1893.7949,"end":1899.735,"sentiment":"neutral","sentiment_score":0.046624851054870166},{"text":"Yeah.","start":1903.09,"end":1903.49,"sentiment":"neutral","sentiment_score":-0.013740182854235172},{"text":"Because that's okay.","start":1903.49,"end":1906.69,"sentiment":"neutral","sentiment_score":-0.13776971399784088},{"text":"Because what I can do otherwise yes.","start":1906.69,"end":1910.47,"sentiment":"negative","sentiment_score":-0.4475669711828232}],"sentiment":"neutral","sentiment_score":-0.06915189341331522,"num_words":30,"start":1891.875,"end":1910.47},{"sentences":[{"text":"What I can do otherwise to make it easier for you, if you're happy, I can just quickly transfer you to Jack, and he can read you the questions and you can just verbalize them.","start":1910.53,"end":1919.285,"sentiment":"neutral","sentiment_score":0.2645772154842104},{"text":"And then he can just send it out to Sam.","start":1919.285,"end":1921.4651,"sentiment":"neutral","sentiment_score":-0.005139044765383005},{"text":"Or do you prefer to do okay.","start":1921.925,"end":1924.105,"sentiment":"neutral","sentiment_score":-0.07221574655600957},{"text":"Okay.","start":1924.405,"end":1924.905,"sentiment":"neutral","sentiment_score":-0.005691969767212868},{"text":"No.","start":1924.9651,"end":1925.2051,"sentiment":"neutral","sentiment_score":-0.07961039245128632}],"sentiment":"neutral","sentiment_score":0.15959258344783275,"num_words":54,"start":1910.53,"end":1925.2051},{"sentences":[{"text":"That's okay.","start":1925.2051,"end":1925.9451,"sentiment":"neutral","sentiment_score":-0.1061755046248436},{"text":"Okay.","start":1927.78,"end":1928.28,"sentiment":"neutral","sentiment_score":0.0036576315760612488},{"text":"No.","start":1929.62,"end":1929.8601,"sentiment":"neutral","sentiment_score":-0.04371178150177002},{"text":"That's fine.","start":1929.8601,"end":1930.68,"sentiment":"neutral","sentiment_score":0.006274220533668993},{"text":"Take your yeah.","start":1931.06,"end":1933.3,"sentiment":"neutral","sentiment_score":0.02720130110780398}],"sentiment":"neutral","sentiment_score":-0.017583646087182894,"num_words":9,"start":1925.2051,"end":1933.3},{"sentences":[{"text":"Especially sometimes going back a long time can be can be hard to remember.","start":1933.3,"end":1936.66,"sentiment":"neutral","sentiment_score":-0.16949178384883062},{"text":"So I will leave it with you then.","start":1936.66,"end":1938.8401,"sentiment":"neutral","sentiment_score":-0.00008407514542341232},{"text":"If it changes or do you want Jack to resend you the questions or anything, or you have it?","start":1940.085,"end":1945.525,"sentiment":"neutral","sentiment_score":-0.007517135456988686},{"text":"It's just a matter of a processing thing.","start":1945.525,"end":1948.345,"sentiment":"neutral","sentiment_score":-0.01950135244987905},{"text":"Yeah.","start":1950.725,"end":1951.225,"sentiment":"neutral","sentiment_score":-0.010223488323390484}],"sentiment":"neutral","sentiment_score":-0.05365234913304448,"num_words":50,"start":1933.3,"end":1951.225},{"sentences":[{"text":"Yeah.","start":1951.6849,"end":1952.1849,"sentiment":"neutral","sentiment_score":0.014239751733839512},{"text":"Yeah.","start":1952.325,"end":1952.645,"sentiment":"neutral","sentiment_score":0.024062220007181168},{"text":"That's okay.","start":1952.645,"end":1953.465,"sentiment":"neutral","sentiment_score":0.05707216262817383},{"text":"Especially with insurance, it can be like that.","start":1953.73,"end":1955.49,"sentiment":"neutral","sentiment_score":-0.04598714329767972},{"text":"So I will leave it with you.","start":1955.49,"end":1958.07,"sentiment":"neutral","sentiment_score":0.04960487197552409}],"sentiment":"neutral","sentiment_score":0.006935960760242061,"num_words":19,"start":1951.6849,"end":1958.07},{"sentences":[{"text":"If you do have time, you wanna do it, just have a look through those questions and send it back to Jack, and then we can get that off to Clearview to look at getting that removed.","start":1959.33,"end":1967.35,"sentiment":"neutral","sentiment_score":0.07130997124555949},{"text":"But, obviously, do it do it in your own time.","start":1968.545,"end":1971.105,"sentiment":"neutral","sentiment_score":-0.037242541275918487},{"text":"And then the last thing is just that ID we have on file has expired.","start":1971.105,"end":1976.245,"sentiment":"neutral","sentiment_score":-0.028535902996857963},{"text":"So have you recently received, like, a new driver's license or anything?","start":1976.385,"end":1980.405,"sentiment":"neutral","sentiment_score":-0.004394848986218373},{"text":"Yep.","start":1980.95,"end":1981.27,"sentiment":"neutral","sentiment_score":0.07859254628419876}],"sentiment":"neutral","sentiment_score":0.024851457824309666,"num_words":75,"start":1959.33,"end":1981.27},{"sentences":[{"text":"Cool.","start":1981.27,"end":1981.77,"sentiment":"neutral","sentiment_score":0.1405584067106247},{"text":"So what I'll get might get you to do is I'll actually get the team to send you an email.","start":1982.47,"end":1988.33,"sentiment":"neutral","sentiment_score":0.1648576222360134},{"text":"That way, to make it easy, if you can just respond when you have a moment just with a photo of the front and the back of the license, and we can just update that record for you.","start":1988.79,"end":1999.5249,"sentiment":"neutral","sentiment_score":0.1902719561598803},{"text":"Yep.","start":2000.705,"end":2001.1849,"sentiment":"neutral","sentiment_score":0.24750672280788424},{"text":"Perfect.","start":2001.1849,"end":2001.6849,"sentiment":"positive","sentiment_score":0.49950823187828064}],"sentiment":"neutral","sentiment_score":0.18713213344577884,"num_words":61,"start":1981.27,"end":2001.6849},{"sentences":[{"text":"Do you have any other questions for me, Adam, before I let you go?","start":2002.065,"end":2005.365,"sentiment":"neutral","sentiment_score":0.18238605186343193},{"text":"No?","start":2006.83,"end":2007.15,"sentiment":"neutral","sentiment_score":0.0017767231911420822},{"text":"Okay.","start":2007.15,"end":2007.63,"sentiment":"neutral","sentiment_score":0.20081645250320437},{"text":"Perfect.","start":2007.63,"end":2008.13,"sentiment":"positive","sentiment_score":0.3550359606742859},{"text":"So like I said, when you have a moment, have a look through the documents.","start":2008.27,"end":2011.23,"sentiment":"neutral","sentiment_score":0.2300603598356247}],"sentiment":"neutral","sentiment_score":0.2050606018747203,"num_words":32,"start":2002.065,"end":2011.23},{"sentences":[{"text":"Any questions, let me know.","start":2011.23,"end":2012.85,"sentiment":"neutral","sentiment_score":0.1789201617240906},{"text":"Otherwise, we just need you to sign those documents.","start":2013.23,"end":2015.73,"sentiment":"neutral","sentiment_score":0.11198707752757603},{"text":"I'll it'll get notified, and it'll come back to me, and I'll get that all authorized for you.","start":2016.27,"end":2021.785,"sentiment":"neutral","sentiment_score":0.23312266419331232},{"text":"And, also, keep a look at of that ROA just to for your reference to say that we have made that investment change for the Benelung investment for you.","start":2021.785,"end":2031.005,"sentiment":"neutral","sentiment_score":0.20141544090262775},{"text":"Yep.","start":2032.44,"end":2032.94,"sentiment":"neutral","sentiment_score":0.1454266607761383}],"sentiment":"neutral","sentiment_score":0.19492204691613874,"num_words":62,"start":2011.23,"end":2032.94},{"sentences":[{"text":"Perfect.","start":2033.1599,"end":2033.6599,"sentiment":"positive","sentiment_score":0.7292485237121582},{"text":"Well, thank you so much for your time today, Adam.","start":2034.0399,"end":2036.2,"sentiment":"positive","sentiment_score":0.8215307474136353},{"text":"Hopefully, you have a lovely rest of your day.","start":2036.2,"end":2039.08,"sentiment":"positive","sentiment_score":0.8130483892228868},{"text":"And if there's anything else that you do need, don't hesitate to give me a call.","start":2039.08,"end":2042.7,"sentiment":"neutral","sentiment_score":0.29975565522909164},{"text":"No problem at all.","start":2044.9429,"end":2045.6628,"sentiment":"positive","sentiment_score":0.42059311270713806}],"sentiment":"positive","sentiment_score":0.5685113608837128,"num_words":40,"start":2033.1599,"end":2045.6628},{"sentences":[{"text":"We'll speak soon.","start":2045.6628,"end":2046.5629,"sentiment":"neutral","sentiment_score":0.27609783411026},{"text":"Okay.","start":2048.463,"end":2048.8628,"sentiment":"neutral","sentiment_score":0.12560416758060455},{"text":"Bye.","start":2048.8628,"end":2049.3628,"sentiment":"neutral","sentiment_score":-0.13124792277812958}],"sentiment":"neutral","sentiment_score":0.164529949426651,"num_words":5,"start":2045.6628,"end":2049.3628}]}}]},{"alternatives":[{"transcript":"Yep. Yes. Good. Thank you. Yourself? Yep. Yep. Yep. Adam Goodyear. 1992. 8 Mobile Street, Gables 27 65. It's been pretty crazy. Good. Nothing comes to mind. Not really. I don't think so. Yep. Yep. Yep. Yep. Cell company. Yep. For now. I'll be getting a payroll April. No. I'd have to look it up. Yep. Try to. But As much as we can, but it's not really much to be honest. I would have to check, but I agree. I think it might be the same. Yeah. We do. Yeah. It's part of part of an agreement. Yeah. I just need to check because the the agreement changes in April. So I think payroll is part of it. Yeah. It's just a a a a a a hose and spoke gin through the a grainer. Yep. Correct. Yep. Or am I sorry? Probably got down a little bit, I guess, since last time. Sure. I can try it out, but it was. You can go back to the one in a bit. Yep. Yeah. No. No. Just need to stop first. Some driving. Yeah. Yeah. That's fine. Yep. Bye. What did you have in my loan as last time? Okay. I think it's showing you $792,563. A wheel? No. I haven't put a wheel in. No. Yep. Yeah. I guess I'm always trying to do Yeah. That's okay. Yeah. Yep. Yeah. No. That's sort of it. Yeah. Yep. Okay. Hard to know with the camera in the water at the moment. I don't know. I'm leaking in between media and my home. Yeah. How long do you think it's gonna go on for? Yeah. We'll go with that one. Probably the middle answer. Last time it went. Yeah. Unless it was going on for too long. Yeah. Yeah. I think I would need to. Yeah. I believe so. So my growth would be you're taking more risks with smaller like, investing in not yet not domain. Like, that I don't know. Like, gold or the the I don't know how to explain it. But Yep. Yep. Usually, I'm happy to go with the high growth, but I'm not sure about this upcoming year. But I'm not I'm not an expert. I'll just keep it as it is then. Yeah. Yeah. I to be honest, I didn't need to look at my thing properly, so it doesn't stress me out. Yep. Yep. Driving at the moment. I can't pull over. I need to. Okay. Yeah. That should be fine. Yep. Yep. Yep. Yep. Yep. Yes. Yep. What was the cold, sir? Not everything, sir. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yep. I'm in for my all the time. Yeah. Yep. I think I'm gonna leave it the same for now. Yep. Yep. Yep. Yep. No questions. Yep. Yeah. Not at the moment. Yep. I did start working on it, but I've got it written down in my notes all the questions they asked, and I started answering it, but I just haven't finished it. And very lazy. Uh-huh. Uh-huh. It's not that easy. It doesn't happen a long time ago, and I scheduled it all day now. It's transcript stuff. Yeah. Yeah. I haven't forgotten about it. It's just time and energy. But yeah. Yep. Yeah. Yep. No. Yep. Yep. Okay. Not a problem. Not a problem. Thank you. Yep. Yep.","confidence":0.94551754,"words":[{"word":"yep","start":10.4,"end":10.88,"confidence":0.81252074,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10941553115844728},{"word":"yes","start":10.88,"end":11.04,"confidence":0.734551,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.20378991961479187},{"word":"good","start":11.04,"end":11.28,"confidence":0.7731732,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.4572436809539795},{"word":"thank","start":11.28,"end":11.5199995,"confidence":0.98346806,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5685726404190063},{"word":"you","start":11.5199995,"end":11.679999,"confidence":0.99338865,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5000877380371094},{"word":"yourself","start":11.679999,"end":12.179999,"confidence":0.91786957,"punctuated_word":"Yourself?","sentiment":"neutral","sentiment_score":0.2589702606201172},{"word":"yep","start":20.835,"end":21.335,"confidence":0.9405956,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08175234496593475},{"word":"yep","start":31.369999,"end":31.869999,"confidence":0.8393765,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06047729402780533},{"word":"yep","start":41.485,"end":41.805,"confidence":0.9628067,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.044535137712955475},{"word":"adam","start":41.805,"end":42.305,"confidence":0.98862374,"punctuated_word":"Adam","sentiment":"neutral","sentiment_score":0.03696933016180992},{"word":"goodyear","start":42.525,"end":43.025,"confidence":0.7953429,"punctuated_word":"Goodyear.","sentiment":"neutral","sentiment_score":0.03304373845458031},{"word":"1992","start":43.805,"end":46.225002,"confidence":0.8778484,"punctuated_word":"1992.","sentiment":"neutral","sentiment_score":0.022993627935647964},{"word":"8","start":46.925,"end":47.245003,"confidence":0.6319503,"punctuated_word":"8","sentiment":"neutral","sentiment_score":0.016805415973067284},{"word":"mobile","start":47.245003,"end":47.565002,"confidence":0.1550579,"punctuated_word":"Mobile","sentiment":"neutral","sentiment_score":0.02435438707470894},{"word":"street","start":47.565002,"end":47.965,"confidence":0.8532984,"punctuated_word":"Street,","sentiment":"neutral","sentiment_score":0.02274502068758011},{"word":"gables","start":47.965,"end":48.465,"confidence":0.96418023,"punctuated_word":"Gables","sentiment":"neutral","sentiment_score":0.03382633626461029},{"word":"27","start":48.845,"end":49.405,"confidence":0.93263173,"punctuated_word":"27","sentiment":"neutral","sentiment_score":0.01648801565170288},{"word":"65","start":49.405,"end":50.225,"confidence":0.9901259,"punctuated_word":"65.","sentiment":"neutral","sentiment_score":0.033431608229875565},{"word":"it's","start":56.510002,"end":56.670002,"confidence":0.8750879,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.11407186836004256},{"word":"been","start":56.670002,"end":56.91,"confidence":0.8909054,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.059107523411512375},{"word":"pretty","start":56.91,"end":57.23,"confidence":0.9961158,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.07172900438308716},{"word":"crazy","start":57.23,"end":57.73,"confidence":0.87615395,"punctuated_word":"crazy.","sentiment":"neutral","sentiment_score":0.00565759465098381},{"word":"good","start":57.87,"end":58.37,"confidence":0.83205515,"punctuated_word":"Good.","sentiment":"neutral","sentiment_score":0.2657822370529175},{"word":"nothing","start":81.345,"end":81.745,"confidence":0.89016896,"punctuated_word":"Nothing","sentiment":"neutral","sentiment_score":0.006685592234134674},{"word":"comes","start":81.745,"end":81.985,"confidence":0.7715979,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.008121568709611893},{"word":"to","start":81.985,"end":82.065,"confidence":0.93457043,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007510473951697349},{"word":"mind","start":82.065,"end":82.565,"confidence":0.9962038,"punctuated_word":"mind.","sentiment":"neutral","sentiment_score":0.012851819396018982},{"word":"not","start":92.61,"end":92.85,"confidence":0.5033079,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.08723680675029755},{"word":"really","start":92.85,"end":93.35,"confidence":0.99207294,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.05904024466872215},{"word":"i","start":94.77,"end":94.92999,"confidence":0.97308266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10134606063365936},{"word":"don't","start":94.92999,"end":95.09,"confidence":0.9988514,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08510415256023407},{"word":"think","start":95.09,"end":95.329994,"confidence":0.9958495,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.09279116988182068},{"word":"so","start":95.329994,"end":95.829994,"confidence":0.9941963,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.09501898288726808},{"word":"yep","start":112.17,"end":112.67,"confidence":0.7582143,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0008741393685340881},{"word":"yep","start":125.784996,"end":126.284996,"confidence":0.92059004,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03755981847643852},{"word":"yep","start":131.705,"end":132.205,"confidence":0.99479043,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.032962605357170105},{"word":"yep","start":138.425,"end":138.84,"confidence":0.9907238,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13481926918029785},{"word":"cell","start":146.51999,"end":146.84,"confidence":0.77014565,"punctuated_word":"Cell","sentiment":"neutral","sentiment_score":0.008222252130508423},{"word":"company","start":146.84,"end":147.34,"confidence":0.9586178,"punctuated_word":"company.","sentiment":"neutral","sentiment_score":0.009604768827557564},{"word":"yep","start":152.72499,"end":153.22499,"confidence":0.8937026,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05507495254278183},{"word":"for","start":166.18,"end":166.42,"confidence":0.672252,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.02262738347053528},{"word":"now","start":166.42,"end":166.81999,"confidence":0.7450172,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.023832496255636215},{"word":"i'll","start":166.81999,"end":166.98,"confidence":0.97833383,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04231548309326172},{"word":"be","start":166.98,"end":167.14,"confidence":0.9982665,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04139440506696701},{"word":"getting","start":167.14,"end":167.37999,"confidence":0.99753344,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.05288861691951752},{"word":"a","start":167.37999,"end":167.54,"confidence":0.98168796,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06976757198572159},{"word":"payroll","start":167.54,"end":167.94,"confidence":0.9682764,"punctuated_word":"payroll","sentiment":"neutral","sentiment_score":0.07675636559724808},{"word":"april","start":167.94,"end":169.08,"confidence":0.7734568,"punctuated_word":"April.","sentiment":"neutral","sentiment_score":0.06272020936012268},{"word":"no","start":174.98,"end":175.14,"confidence":0.8750718,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1038091480731964},{"word":"i'd","start":175.14,"end":175.3,"confidence":0.81185037,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.08667349815368652},{"word":"have","start":175.3,"end":175.45999,"confidence":0.9993374,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11086755990982056},{"word":"to","start":175.45999,"end":175.62,"confidence":0.9995505,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08607882261276245},{"word":"look","start":175.62,"end":175.78,"confidence":0.97391427,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.09925491362810136},{"word":"it","start":175.78,"end":175.94,"confidence":0.99518675,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03433415666222572},{"word":"up","start":175.94,"end":176.385,"confidence":0.9985951,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.05457876995205879},{"word":"yep","start":181.42499,"end":181.92499,"confidence":0.99808973,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05100331827998161},{"word":"try","start":198.46,"end":198.86,"confidence":0.3243147,"punctuated_word":"Try","sentiment":"neutral","sentiment_score":-0.05587785318493843},{"word":"to","start":198.86,"end":199.26001,"confidence":0.6556498,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.010504655539989471},{"word":"but","start":199.26001,"end":199.76001,"confidence":0.6108027,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.01115044206380844},{"word":"as","start":211.21501,"end":211.535,"confidence":0.66225237,"punctuated_word":"As","sentiment":"neutral","sentiment_score":-0.0812317281961441},{"word":"much","start":211.535,"end":211.695,"confidence":0.9903858,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.04352483898401261},{"word":"as","start":211.695,"end":211.77501,"confidence":0.9988236,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06654617190361023},{"word":"we","start":211.77501,"end":211.93501,"confidence":0.9978517,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04530157148838043},{"word":"can","start":211.93501,"end":212.175,"confidence":0.9450306,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":-0.0860753208398819},{"word":"but","start":212.175,"end":212.675,"confidence":0.99833256,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1211335062980652},{"word":"it's","start":213.535,"end":213.77501,"confidence":0.9457701,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.16884875297546387},{"word":"not","start":213.77501,"end":213.93501,"confidence":0.9968952,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13917462527751925},{"word":"really","start":213.93501,"end":214.255,"confidence":0.99924266,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.171476811170578},{"word":"much","start":214.255,"end":214.49501,"confidence":0.997556,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.09886981546878816},{"word":"to","start":214.49501,"end":214.65501,"confidence":0.75429094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14795143902301788},{"word":"be","start":214.65501,"end":214.735,"confidence":0.995443,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.10718248784542084},{"word":"honest","start":214.735,"end":215.235,"confidence":0.99678063,"punctuated_word":"honest.","sentiment":"neutral","sentiment_score":-0.07849088311195374},{"word":"i","start":224.01999,"end":224.18,"confidence":0.87135583,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.029985228553414345},{"word":"would","start":224.18,"end":224.34,"confidence":0.3703159,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.029486065730452538},{"word":"have","start":224.34,"end":224.5,"confidence":0.9982091,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02625410258769989},{"word":"to","start":224.5,"end":224.65999,"confidence":0.99851376,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02478562295436859},{"word":"check","start":224.65999,"end":224.98,"confidence":0.8429286,"punctuated_word":"check,","sentiment":"neutral","sentiment_score":-0.02722318284213543},{"word":"but","start":224.98,"end":225.48,"confidence":0.9982185,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.018787138164043427},{"word":"i","start":225.7,"end":225.78,"confidence":0.4456801,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.012266209349036217},{"word":"agree","start":225.78,"end":226.01999,"confidence":0.9462671,"punctuated_word":"agree.","sentiment":"neutral","sentiment_score":0.03701513260602951},{"word":"i","start":226.01999,"end":226.18,"confidence":0.99461234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03583546727895737},{"word":"think","start":226.18,"end":226.42,"confidence":0.95313394,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.03416038677096367},{"word":"it","start":226.42,"end":226.5,"confidence":0.99561125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.019260365515947345},{"word":"might","start":226.5,"end":226.81999,"confidence":0.99883956,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.016400732100009918},{"word":"be","start":226.81999,"end":226.98,"confidence":0.99652785,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.006513908505439758},{"word":"the","start":226.98,"end":227.06,"confidence":0.9931867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0035583525896072388},{"word":"same","start":227.06,"end":227.56,"confidence":0.9989493,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.009740917012095451},{"word":"yeah","start":232.58,"end":232.9,"confidence":0.99370784,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.006627569906413555},{"word":"we","start":232.9,"end":233.14,"confidence":0.99261063,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0035521741956472397},{"word":"do","start":233.14,"end":233.64,"confidence":0.9785427,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.008846956305205822},{"word":"yeah","start":234.055,"end":234.375,"confidence":0.9229071,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012542801909148691},{"word":"it's","start":234.375,"end":234.615,"confidence":0.99399143,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.021006472408771515},{"word":"part","start":234.615,"end":234.775,"confidence":0.9836066,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.024912750348448753},{"word":"of","start":234.775,"end":235.275,"confidence":0.99572563,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.024030275642871857},{"word":"part","start":235.33499,"end":235.655,"confidence":0.9943297,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.025595251470804214},{"word":"of","start":235.655,"end":235.815,"confidence":0.9997985,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02562201581895351},{"word":"an","start":235.815,"end":235.975,"confidence":0.9964005,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.01927359588444233},{"word":"agreement","start":235.975,"end":236.455,"confidence":0.97917217,"punctuated_word":"agreement.","sentiment":"neutral","sentiment_score":0.01824474334716797},{"word":"yeah","start":236.455,"end":236.955,"confidence":0.9985897,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015466364100575449},{"word":"i","start":237.175,"end":237.33499,"confidence":0.9881982,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01394607126712799},{"word":"just","start":237.33499,"end":237.495,"confidence":0.8867156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.015195753425359726},{"word":"need","start":237.495,"end":237.655,"confidence":0.9908687,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.001343701034784317},{"word":"to","start":237.655,"end":237.735,"confidence":0.995321,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0012984946370124817},{"word":"check","start":237.735,"end":238.235,"confidence":0.9936046,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.010023064911365507},{"word":"because","start":238.375,"end":238.875,"confidence":0.7621729,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.00923674926161766},{"word":"the","start":239.815,"end":239.975,"confidence":0.61966467,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.002676829695701599},{"word":"the","start":239.975,"end":240.475,"confidence":0.9020733,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00090094655752182},{"word":"agreement","start":242.535,"end":243.035,"confidence":0.7154588,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.0003707334399223328},{"word":"changes","start":243.735,"end":244.235,"confidence":0.99133193,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.007613461464643478},{"word":"in","start":245.015,"end":245.175,"confidence":0.97009706,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.004948016256093979},{"word":"april","start":245.175,"end":245.675,"confidence":0.90252346,"punctuated_word":"April.","sentiment":"neutral","sentiment_score":0.011982718482613564},{"word":"so","start":246.56,"end":246.68,"confidence":0.7734701,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0338120236992836},{"word":"i","start":246.68,"end":246.8,"confidence":0.47394663,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05746079981327057},{"word":"think","start":246.8,"end":247.2,"confidence":0.2994328,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.06685864925384521},{"word":"payroll","start":247.2,"end":247.56,"confidence":0.53648853,"punctuated_word":"payroll","sentiment":"neutral","sentiment_score":0.08558054268360138},{"word":"is","start":247.56,"end":247.92,"confidence":0.42764914,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08330043405294418},{"word":"part","start":247.92,"end":248.24,"confidence":0.7158547,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.09049501270055772},{"word":"of","start":248.24,"end":248.4,"confidence":0.9995639,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0984513983130455},{"word":"it","start":248.4,"end":248.9,"confidence":0.99689865,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.08348459005355835},{"word":"yeah","start":256.88,"end":257.2,"confidence":0.92281806,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.071590855717659},{"word":"it's","start":257.2,"end":257.28,"confidence":0.9939488,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.06443190574645996},{"word":"just","start":257.28,"end":257.78,"confidence":0.9849214,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.046583160758018494},{"word":"a","start":258.645,"end":259.145,"confidence":0.77066845,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.041838206350803375},{"word":"a","start":260.245,"end":260.325,"confidence":0.39252868,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04357998073101044},{"word":"a","start":260.325,"end":260.35168,"confidence":0.4603604,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0405011847615242},{"word":"a","start":260.35168,"end":260.37833,"confidence":0.286429,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04196367412805557},{"word":"a","start":260.37833,"end":260.405,"confidence":0.16616754,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04862646758556366},{"word":"a","start":260.405,"end":260.72498,"confidence":0.11725227,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04805164039134979},{"word":"hose","start":260.72498,"end":260.88498,"confidence":0.09900784,"punctuated_word":"hose","sentiment":"neutral","sentiment_score":0.042832084000110626},{"word":"and","start":260.88498,"end":260.965,"confidence":0.40332368,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.024363841861486435},{"word":"spoke","start":260.965,"end":261.205,"confidence":0.6570442,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.02948431111872196},{"word":"gin","start":261.205,"end":261.705,"confidence":0.2811536,"punctuated_word":"gin","sentiment":"neutral","sentiment_score":0.04417756199836731},{"word":"through","start":261.845,"end":262.085,"confidence":0.91842127,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.02164136804640293},{"word":"the","start":262.085,"end":262.32498,"confidence":0.93439615,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01548847369849682},{"word":"a","start":262.32498,"end":262.405,"confidence":0.20343623,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.027504537254571915},{"word":"grainer","start":262.405,"end":262.905,"confidence":0.7288022,"punctuated_word":"grainer.","sentiment":"neutral","sentiment_score":0.03206351026892662},{"word":"yep","start":271.25,"end":271.75,"confidence":0.95769554,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08269287645816803},{"word":"correct","start":272.05,"end":272.55,"confidence":0.8347331,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.17688988149166107},{"word":"yep","start":281.89,"end":282.39,"confidence":0.9971583,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.008068758063018322},{"word":"or","start":285.765,"end":286.085,"confidence":0.1884438,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.010219501331448557},{"word":"am","start":286.085,"end":286.585,"confidence":0.62939495,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.00499834306538105},{"word":"i","start":292.165,"end":292.245,"confidence":0.9980652,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04105852544307709},{"word":"sorry","start":292.245,"end":292.745,"confidence":0.7664833,"punctuated_word":"sorry?","sentiment":"neutral","sentiment_score":0.033075008541345596},{"word":"probably","start":300.34,"end":300.66,"confidence":0.628786,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.0419716015458107},{"word":"got","start":300.66,"end":300.90002,"confidence":0.44581622,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.05304613709449768},{"word":"down","start":300.90002,"end":301.14,"confidence":0.93977296,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.0245840884745121},{"word":"a","start":301.14,"end":301.22,"confidence":0.9986558,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05893433094024658},{"word":"little","start":301.22,"end":301.38,"confidence":0.9996871,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0742250606417656},{"word":"bit","start":301.38,"end":301.62003,"confidence":0.98707783,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.06211065500974655},{"word":"i","start":301.62003,"end":301.78,"confidence":0.9996829,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03839610889554024},{"word":"guess","start":301.78,"end":302.1,"confidence":0.97504914,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.01928282529115677},{"word":"since","start":302.1,"end":302.42,"confidence":0.991131,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.02955733053386211},{"word":"last","start":302.42,"end":302.74002,"confidence":0.8860596,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.020842788740992543},{"word":"time","start":302.74002,"end":303.24002,"confidence":0.8718178,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.013468686491250992},{"word":"sure","start":311.54,"end":311.78,"confidence":0.7477009,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.003143051639199257},{"word":"i","start":311.78,"end":311.86002,"confidence":0.9792814,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.002224396914243698},{"word":"can","start":311.86002,"end":312.1,"confidence":0.9374445,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.0007697828114032745},{"word":"try","start":312.1,"end":312.26,"confidence":0.9885472,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.005128491669893265},{"word":"it","start":312.26,"end":312.34,"confidence":0.49580917,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.00902470201253891},{"word":"out","start":312.34,"end":312.5,"confidence":0.7427341,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.003784413449466229},{"word":"but","start":312.5,"end":312.66,"confidence":0.3114088,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.007869131863117218},{"word":"it","start":312.66,"end":312.91,"confidence":0.23404472,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.005007987841963768},{"word":"was","start":312.91,"end":313.395,"confidence":0.50488377,"punctuated_word":"was.","sentiment":"neutral","sentiment_score":0.003763739019632339},{"word":"you","start":316.19498,"end":316.35498,"confidence":0.5495823,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2839542627334595},{"word":"can","start":316.35498,"end":316.51498,"confidence":0.96373314,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2558031380176544},{"word":"go","start":316.51498,"end":316.675,"confidence":0.71590596,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2584986984729767},{"word":"back","start":316.675,"end":316.835,"confidence":0.9729648,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3164524435997009},{"word":"to","start":316.835,"end":316.995,"confidence":0.9095197,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3424595594406128},{"word":"the","start":316.995,"end":317.07498,"confidence":0.60112196,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2909112870693207},{"word":"one","start":317.07498,"end":317.235,"confidence":0.5720078,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.19644996523857117},{"word":"in","start":317.235,"end":317.395,"confidence":0.95394415,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16676858067512512},{"word":"a","start":317.395,"end":317.645,"confidence":0.98970383,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23398596048355105},{"word":"bit","start":317.645,"end":318.145,"confidence":0.84387946,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.21020084619522095},{"word":"yep","start":330.71,"end":331.21,"confidence":0.7670681,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.007971993647515774},{"word":"yeah","start":341.605,"end":342.105,"confidence":0.979082,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.006752819288522005},{"word":"no","start":376.175,"end":376.495,"confidence":0.91141814,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0743396058678627},{"word":"no","start":376.495,"end":376.995,"confidence":0.9406203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05996900796890259},{"word":"just","start":386.55,"end":386.71,"confidence":0.8584314,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.042240746319293976},{"word":"need","start":386.71,"end":386.95,"confidence":0.9842948,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.07452303916215897},{"word":"to","start":386.95,"end":387.03,"confidence":0.99710685,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0912121683359146},{"word":"stop","start":387.03,"end":387.43,"confidence":0.9985436,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.06595424562692642},{"word":"first","start":387.43,"end":387.93,"confidence":0.7225044,"punctuated_word":"first.","sentiment":"neutral","sentiment_score":-0.07796773314476013},{"word":"some","start":388.07,"end":388.39,"confidence":0.4023987,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":-0.0539667047560215},{"word":"driving","start":388.39,"end":388.89,"confidence":0.99441123,"punctuated_word":"driving.","sentiment":"neutral","sentiment_score":-0.037455081939697266},{"word":"yeah","start":394.935,"end":395.175,"confidence":0.9285121,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.033465683460235596},{"word":"yeah","start":395.175,"end":395.335,"confidence":0.9918674,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0571124255657196},{"word":"that's","start":395.335,"end":395.655,"confidence":0.9983704,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09665678441524506},{"word":"fine","start":395.655,"end":396.155,"confidence":0.99510574,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.10487020760774612},{"word":"yep","start":404.375,"end":404.875,"confidence":0.9855078,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05163658782839775},{"word":"bye","start":409.36002,"end":409.86002,"confidence":0.7194325,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.013542642816901209},{"word":"what","start":411.52002,"end":411.76,"confidence":0.8460316,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.011834923177957537},{"word":"did","start":411.76,"end":411.92,"confidence":0.92435575,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.0011095479130744934},{"word":"you","start":411.92,"end":412.0,"confidence":0.9980901,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018046101555228233},{"word":"have","start":412.0,"end":412.24002,"confidence":0.9851997,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01926028728485107},{"word":"in","start":412.24002,"end":412.32,"confidence":0.67582506,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.028288282454013824},{"word":"my","start":412.32,"end":412.48,"confidence":0.99771774,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.03306835889816284},{"word":"loan","start":412.48,"end":412.72,"confidence":0.7072939,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.011668741703033447},{"word":"as","start":412.72,"end":413.22,"confidence":0.8971469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.002855103462934494},{"word":"last","start":413.92,"end":414.24002,"confidence":0.6505571,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.004868494346737862},{"word":"time","start":414.24002,"end":414.74002,"confidence":0.902194,"punctuated_word":"time?","sentiment":"neutral","sentiment_score":0.01092346664518118},{"word":"okay","start":419.6,"end":420.1,"confidence":0.95585364,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.018577050417661667},{"word":"i","start":420.16,"end":420.24002,"confidence":0.99222964,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0205171313136816},{"word":"think","start":420.24002,"end":420.48,"confidence":0.94760686,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.020613715052604675},{"word":"it's","start":420.48,"end":420.72,"confidence":0.8347171,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02505400776863098},{"word":"showing","start":420.72,"end":421.12,"confidence":0.9543506,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.03164930269122124},{"word":"you","start":421.12,"end":421.62,"confidence":0.5712515,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027756474912166595},{"word":"$792,563","start":422.515,"end":428.615,"confidence":0.98213154,"punctuated_word":"$792,563.","sentiment":"neutral","sentiment_score":0.026996871456503868},{"word":"a","start":442.7,"end":442.86002,"confidence":0.5879292,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.03895024210214615},{"word":"wheel","start":442.86002,"end":443.26,"confidence":0.57794696,"punctuated_word":"wheel?","sentiment":"neutral","sentiment_score":-0.023549029603600505},{"word":"no","start":443.26,"end":443.42,"confidence":0.99261737,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.18148133158683777},{"word":"i","start":443.42,"end":443.58002,"confidence":0.99724305,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18358755111694336},{"word":"haven't","start":443.58002,"end":443.90002,"confidence":0.99916553,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.13888010382652283},{"word":"put","start":443.90002,"end":444.06,"confidence":0.89991075,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.14507879316806793},{"word":"a","start":444.06,"end":444.22,"confidence":0.9864535,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13274002075195312},{"word":"wheel","start":444.22,"end":444.38,"confidence":0.9582634,"punctuated_word":"wheel","sentiment":"neutral","sentiment_score":-0.06658758223056793},{"word":"in","start":444.38,"end":444.88,"confidence":0.9449165,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.10582829266786575},{"word":"no","start":453.225,"end":453.725,"confidence":0.90923274,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.11162389814853668},{"word":"yep","start":465.37,"end":465.87,"confidence":0.99143016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16338133811950684},{"word":"yeah","start":483.435,"end":483.835,"confidence":0.82507586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07646185159683228},{"word":"i","start":483.835,"end":483.915,"confidence":0.9952866,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05220820754766464},{"word":"guess","start":483.915,"end":484.155,"confidence":0.9994579,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.031733401119709015},{"word":"i'm","start":484.155,"end":484.315,"confidence":0.90049815,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06463482975959778},{"word":"always","start":484.315,"end":484.715,"confidence":0.998917,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.054768409579992294},{"word":"trying","start":484.715,"end":485.035,"confidence":0.9749587,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.04602117836475372},{"word":"to","start":485.035,"end":485.115,"confidence":0.9941625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04999648779630661},{"word":"do","start":485.115,"end":485.615,"confidence":0.9571096,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04543652758002281},{"word":"yeah","start":486.67,"end":486.99002,"confidence":0.8205582,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0295096505433321},{"word":"that's","start":486.99002,"end":487.49002,"confidence":0.8896661,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.026576390489935875},{"word":"okay","start":488.03,"end":488.35,"confidence":0.9898673,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.14620105922222135},{"word":"yeah","start":488.35,"end":488.85,"confidence":0.9928759,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16051959991455078},{"word":"yep","start":499.15002,"end":499.65002,"confidence":0.9807285,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14287082850933075},{"word":"yeah","start":513.355,"end":513.855,"confidence":0.9034885,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005228725261986256},{"word":"no","start":514.075,"end":514.555,"confidence":0.9129214,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0645105242729187},{"word":"that's","start":514.555,"end":515.035,"confidence":0.96041644,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.05738867446780205},{"word":"sort","start":515.035,"end":515.355,"confidence":0.99514705,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.11860045790672302},{"word":"of","start":515.355,"end":515.515,"confidence":0.99359643,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1304006278514862},{"word":"it","start":515.515,"end":516.015,"confidence":0.9988431,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.11673426628112792},{"word":"yeah","start":517.83997,"end":518.33997,"confidence":0.99478024,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12344177067279816},{"word":"yep","start":532.45496,"end":532.95496,"confidence":0.8690729,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.053090862929821014},{"word":"okay","start":539.89496,"end":540.39496,"confidence":0.9127608,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.004725656472146511},{"word":"hard","start":586.145,"end":586.46497,"confidence":0.52852964,"punctuated_word":"Hard","sentiment":"neutral","sentiment_score":-0.2938508689403534},{"word":"to","start":586.46497,"end":586.545,"confidence":0.9990709,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.25131911039352417},{"word":"know","start":586.545,"end":586.865,"confidence":0.99852353,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.29231977462768555},{"word":"with","start":586.865,"end":587.265,"confidence":0.4673531,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.3587745428085327},{"word":"the","start":587.265,"end":587.425,"confidence":0.85276,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3730902671813965},{"word":"camera","start":587.425,"end":587.825,"confidence":0.25386807,"punctuated_word":"camera","sentiment":"negative","sentiment_score":-0.3633108139038086},{"word":"in","start":587.825,"end":588.065,"confidence":0.088284545,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4184145033359528},{"word":"the","start":588.065,"end":588.305,"confidence":0.60719174,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4119342565536499},{"word":"water","start":588.305,"end":588.46497,"confidence":0.5069697,"punctuated_word":"water","sentiment":"neutral","sentiment_score":-0.22271405160427096},{"word":"at","start":588.46497,"end":588.625,"confidence":0.7649321,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2819480895996094},{"word":"the","start":588.625,"end":588.705,"confidence":0.99487466,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27143731713294983},{"word":"moment","start":588.705,"end":589.205,"confidence":0.9824079,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.22719092667102816},{"word":"i","start":591.54504,"end":592.04504,"confidence":0.6554192,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17813542485237122},{"word":"don't","start":592.4917,"end":592.9917,"confidence":0.7433626,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.15826502442359924},{"word":"know","start":593.43835,"end":593.93835,"confidence":0.96530396,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.0975961536169052},{"word":"i'm","start":594.385,"end":594.705,"confidence":0.82266545,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10502207279205322},{"word":"leaking","start":594.705,"end":595.02496,"confidence":0.8214,"punctuated_word":"leaking","sentiment":"neutral","sentiment_score":-0.1016446053981781},{"word":"in","start":595.02496,"end":595.185,"confidence":0.85981846,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.14719872176647186},{"word":"between","start":595.185,"end":595.58496,"confidence":0.99561846,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.14299257099628448},{"word":"media","start":595.58496,"end":595.985,"confidence":0.67233324,"punctuated_word":"media","sentiment":"neutral","sentiment_score":-0.1982749104499817},{"word":"and","start":595.985,"end":596.485,"confidence":0.52030814,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13517963886260986},{"word":"my","start":597.04,"end":597.36,"confidence":0.33749416,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.12818150222301483},{"word":"home","start":597.36,"end":597.86,"confidence":0.79998785,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":-0.09959954023361206},{"word":"yeah","start":656.86,"end":657.36,"confidence":0.9079616,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04908350110054016},{"word":"how","start":657.89996,"end":658.14,"confidence":0.976303,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.03535584732890129},{"word":"long","start":658.14,"end":658.3,"confidence":0.9996344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.0383160226047039},{"word":"do","start":658.3,"end":658.38,"confidence":0.5326991,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04455224424600601},{"word":"you","start":658.38,"end":658.45996,"confidence":0.99947494,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.020881690084934235},{"word":"think","start":658.45996,"end":658.62,"confidence":0.99975973,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.019034937024116516},{"word":"it's","start":658.62,"end":658.86,"confidence":0.998186,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03126424178481102},{"word":"gonna","start":658.86,"end":659.36,"confidence":0.99675083,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03671759366989136},{"word":"go","start":660.3,"end":660.45996,"confidence":0.93951625,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.02454366907477379},{"word":"on","start":660.45996,"end":660.62,"confidence":0.9153769,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.030804799869656563},{"word":"for","start":660.62,"end":661.12,"confidence":0.9160692,"punctuated_word":"for?","sentiment":"neutral","sentiment_score":-0.04358575493097305},{"word":"yeah","start":677.075,"end":677.575,"confidence":0.9730185,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02817703038454056},{"word":"we'll","start":677.635,"end":677.79504,"confidence":0.8585684,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.03738604113459587},{"word":"go","start":677.79504,"end":677.955,"confidence":0.9928792,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04107192903757095},{"word":"with","start":677.955,"end":678.115,"confidence":0.9975326,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.054315026849508286},{"word":"that","start":678.115,"end":678.275,"confidence":0.9989378,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07066967338323593},{"word":"one","start":678.275,"end":678.775,"confidence":0.9990184,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.061640337109565735},{"word":"probably","start":736.3,"end":736.62,"confidence":0.87911874,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.05035486817359924},{"word":"the","start":736.62,"end":736.86,"confidence":0.8876087,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08762326836585999},{"word":"middle","start":736.86,"end":737.18,"confidence":0.9936372,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":-0.11596572399139404},{"word":"answer","start":737.18,"end":737.68,"confidence":0.79925823,"punctuated_word":"answer.","sentiment":"neutral","sentiment_score":-0.040010079741477966},{"word":"last","start":739.42,"end":739.74,"confidence":0.4528723,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":-0.03427072614431381},{"word":"time","start":739.74,"end":739.89996,"confidence":0.1339724,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.050782397389411926},{"word":"it","start":739.89996,"end":739.98,"confidence":0.31777745,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0456821545958519},{"word":"went","start":739.98,"end":740.48,"confidence":0.5162467,"punctuated_word":"went.","sentiment":"neutral","sentiment_score":-0.02873583883047104},{"word":"yeah","start":740.94,"end":741.42,"confidence":0.99435806,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03512043133378029},{"word":"unless","start":741.42,"end":741.74,"confidence":0.422271,"punctuated_word":"Unless","sentiment":"neutral","sentiment_score":-0.07652987539768219},{"word":"it","start":741.74,"end":741.89996,"confidence":0.4933586,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10447697341442108},{"word":"was","start":741.89996,"end":742.06,"confidence":0.6954662,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.12316291779279707},{"word":"going","start":742.06,"end":742.22,"confidence":0.8906962,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.10712774097919464},{"word":"on","start":742.22,"end":742.38,"confidence":0.68974465,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.13589593768119812},{"word":"for","start":742.38,"end":742.62,"confidence":0.92683977,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.162998229265213},{"word":"too","start":742.62,"end":742.77997,"confidence":0.99835396,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.1381984502077103},{"word":"long","start":742.77997,"end":743.27997,"confidence":0.99956656,"punctuated_word":"long.","sentiment":"neutral","sentiment_score":-0.10063603520393372},{"word":"yeah","start":748.305,"end":748.805,"confidence":0.9712566,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04400750249624252},{"word":"yeah","start":762.91,"end":763.41,"confidence":0.8029678,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06908498704433441},{"word":"i","start":786.125,"end":786.20496,"confidence":0.79740804,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14723873138427734},{"word":"think","start":786.20496,"end":786.445,"confidence":0.9972928,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.17474953830242157},{"word":"i","start":786.445,"end":786.605,"confidence":0.98291105,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16934359073638916},{"word":"would","start":786.605,"end":786.845,"confidence":0.9984339,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1507258415222168},{"word":"need","start":786.845,"end":787.165,"confidence":0.97747016,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.10456272214651108},{"word":"to","start":787.165,"end":787.665,"confidence":0.96682405,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.06225849688053131},{"word":"yeah","start":806.97504,"end":807.375,"confidence":0.86017513,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03017163649201393},{"word":"i","start":807.375,"end":807.53503,"confidence":0.9909575,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01660832017660141},{"word":"believe","start":807.53503,"end":808.03503,"confidence":0.9976857,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.00880446657538414},{"word":"so","start":811.695,"end":812.195,"confidence":0.9951291,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.006037961691617966},{"word":"so","start":814.49506,"end":814.815,"confidence":0.90431905,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0016069039702415466},{"word":"my","start":814.815,"end":814.97504,"confidence":0.7275479,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.002016603946685791},{"word":"growth","start":814.97504,"end":815.47504,"confidence":0.84712434,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.09989027678966522},{"word":"would","start":815.85504,"end":816.09503,"confidence":0.99754214,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.015115797519683838},{"word":"be","start":816.09503,"end":816.575,"confidence":0.9994168,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.007851406931877136},{"word":"you're","start":816.575,"end":816.73505,"confidence":0.77633786,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.015382411889731884},{"word":"taking","start":816.73505,"end":817.05505,"confidence":0.9989343,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.012707069516181946},{"word":"more","start":817.05505,"end":817.29504,"confidence":0.9991441,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.05172984302043915},{"word":"risks","start":817.29504,"end":817.79504,"confidence":0.9027723,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.03750228136777878},{"word":"with","start":818.255,"end":818.755,"confidence":0.99001276,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.048559777438640594},{"word":"smaller","start":820.2,"end":820.7,"confidence":0.98954433,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":-0.028125569224357605},{"word":"like","start":823.0,"end":823.5,"confidence":0.8501475,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.041591327637434006},{"word":"investing","start":824.04,"end":824.52,"confidence":0.8609729,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.026925183832645416},{"word":"in","start":824.52,"end":825.02,"confidence":0.9802421,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.041118815541267395},{"word":"not","start":826.2,"end":826.44,"confidence":0.5696641,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09062187373638152},{"word":"yet","start":826.44,"end":826.6,"confidence":0.28861046,"punctuated_word":"yet","sentiment":"neutral","sentiment_score":-0.10721585899591446},{"word":"not","start":826.68,"end":826.84,"confidence":0.9891404,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.043943941593170166},{"word":"domain","start":826.84,"end":827.34,"confidence":0.51728314,"punctuated_word":"domain.","sentiment":"neutral","sentiment_score":-0.006647299975156784},{"word":"like","start":829.16,"end":829.66,"confidence":0.8088356,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.04579789564013481},{"word":"that","start":829.88,"end":830.04,"confidence":0.63949454,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.060713984072208405},{"word":"i","start":830.12,"end":830.2,"confidence":0.9793229,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0759945884346962},{"word":"don't","start":830.2,"end":830.36,"confidence":0.9893508,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08842530101537704},{"word":"know","start":830.36,"end":830.6,"confidence":0.8951106,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.09218399971723557},{"word":"like","start":830.6,"end":830.84,"confidence":0.75449336,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.09301591664552689},{"word":"gold","start":830.84,"end":831.34,"confidence":0.75937825,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":-0.0580015629529953},{"word":"or","start":832.28,"end":832.36,"confidence":0.57077473,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05491621419787407},{"word":"the","start":832.36,"end":832.86,"confidence":0.89684254,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08698152005672455},{"word":"the","start":833.16,"end":833.32,"confidence":0.56043667,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09604522585868835},{"word":"i","start":833.48,"end":833.64,"confidence":0.9943909,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1339479237794876},{"word":"don't","start":833.64,"end":833.8,"confidence":0.9977965,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1475674957036972},{"word":"know","start":833.8,"end":833.96,"confidence":0.9812997,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1983548104763031},{"word":"how","start":833.96,"end":834.12,"confidence":0.99104804,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.13518697023391724},{"word":"to","start":834.12,"end":834.28,"confidence":0.9709424,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10938745737075806},{"word":"explain","start":834.28,"end":834.6,"confidence":0.9997056,"punctuated_word":"explain","sentiment":"neutral","sentiment_score":-0.08434157073497772},{"word":"it","start":834.6,"end":834.975,"confidence":0.70565844,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.040125321596860886},{"word":"but","start":841.3125,"end":841.8125,"confidence":0.89142096,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.14208227396011353},{"word":"yep","start":895.125,"end":895.625,"confidence":0.97855556,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14519381523132324},{"word":"yep","start":905.25,"end":905.75,"confidence":0.99418974,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02394016832113266},{"word":"usually","start":962.81,"end":963.31,"confidence":0.9616914,"punctuated_word":"Usually,","sentiment":"neutral","sentiment_score":-0.14062228798866272},{"word":"i'm","start":964.33,"end":964.41,"confidence":0.9287487,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.16754290461540222},{"word":"happy","start":964.41,"end":964.73,"confidence":0.7051257,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.09823104739189148},{"word":"to","start":964.73,"end":964.89,"confidence":0.97353494,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0799049586057663},{"word":"go","start":964.89,"end":965.05,"confidence":0.9930617,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.23704837262630463},{"word":"with","start":965.05,"end":965.29,"confidence":0.9951841,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.30541080236434937},{"word":"the","start":965.29,"end":965.45,"confidence":0.76109654,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3191954791545868},{"word":"high","start":965.45,"end":965.69,"confidence":0.40435407,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.4391535818576813},{"word":"growth","start":965.69,"end":966.19,"confidence":0.8936153,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.293002188205719},{"word":"but","start":967.69,"end":968.19,"confidence":0.9988391,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.09503123909235},{"word":"i'm","start":968.49,"end":968.57,"confidence":0.9453409,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2167060822248459},{"word":"not","start":968.57,"end":968.73,"confidence":0.9972216,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.17314818501472473},{"word":"sure","start":968.73,"end":968.97,"confidence":0.9995265,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.2093398869037628},{"word":"about","start":968.97,"end":969.47,"confidence":0.9230004,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.2417200356721878},{"word":"this","start":969.69,"end":970.01,"confidence":0.61353385,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.15844494104385376},{"word":"upcoming","start":970.01,"end":970.51,"confidence":0.9266913,"punctuated_word":"upcoming","sentiment":"neutral","sentiment_score":-0.07805963605642319},{"word":"year","start":970.57,"end":971.07,"confidence":0.8689089,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.019229598343372345},{"word":"but","start":973.05,"end":973.52997,"confidence":0.9373647,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.11603093147277832},{"word":"i'm","start":973.52997,"end":973.61,"confidence":0.98854375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.18770718574523929},{"word":"not","start":973.61,"end":973.85,"confidence":0.4085391,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.18845127522945404},{"word":"i'm","start":973.85,"end":974.01,"confidence":0.67942446,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2538749873638153},{"word":"not","start":974.01,"end":974.25,"confidence":0.7777458,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.23192499577999115},{"word":"an","start":974.25,"end":974.5,"confidence":0.61050487,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.2570900619029999},{"word":"expert","start":974.5,"end":975.0,"confidence":0.9947705,"punctuated_word":"expert.","sentiment":"neutral","sentiment_score":-0.23047089576721191},{"word":"i'll","start":1048.93,"end":1049.09,"confidence":0.7427951,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17083728313446045},{"word":"just","start":1049.09,"end":1049.25,"confidence":0.9967123,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15179577469825745},{"word":"keep","start":1049.25,"end":1049.41,"confidence":0.9539997,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2115858793258667},{"word":"it","start":1049.41,"end":1049.57,"confidence":0.9761656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.27153995633125305},{"word":"as","start":1049.57,"end":1049.73,"confidence":0.97144306,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3295842707157135},{"word":"it","start":1049.73,"end":1049.89,"confidence":0.98470414,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.30048245191574097},{"word":"is","start":1049.89,"end":1050.13,"confidence":0.99852717,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.28577175736427307},{"word":"then","start":1050.13,"end":1050.63,"confidence":0.9802048,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.18425120413303375},{"word":"yeah","start":1051.81,"end":1052.31,"confidence":0.961012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05974043160676956},{"word":"yeah","start":1052.45,"end":1052.77,"confidence":0.99639934,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06579326093196869},{"word":"i","start":1052.77,"end":1052.93,"confidence":0.53626466,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04851525649428368},{"word":"to","start":1053.01,"end":1053.17,"confidence":0.9884023,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007206235080957413},{"word":"be","start":1053.17,"end":1053.25,"confidence":0.99694127,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.002976220101118088},{"word":"honest","start":1053.25,"end":1053.57,"confidence":0.9847603,"punctuated_word":"honest,","sentiment":"neutral","sentiment_score":0.00519259087741375},{"word":"i","start":1053.57,"end":1053.65,"confidence":0.9934922,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005039207637310028},{"word":"didn't","start":1053.65,"end":1053.81,"confidence":0.8625625,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.002591294702142477},{"word":"need","start":1053.81,"end":1053.97,"confidence":0.52715653,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.038877252489328384},{"word":"to","start":1053.97,"end":1054.05,"confidence":0.98930895,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03618881851434707},{"word":"look","start":1054.05,"end":1054.29,"confidence":0.997825,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.04797353968024254},{"word":"at","start":1054.29,"end":1054.45,"confidence":0.97564656,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03808809071779251},{"word":"my","start":1054.45,"end":1054.95,"confidence":0.9908634,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.02935299649834633},{"word":"thing","start":1055.49,"end":1055.73,"confidence":0.5228529,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.019486933946609497},{"word":"properly","start":1055.73,"end":1056.21,"confidence":0.7710092,"punctuated_word":"properly,","sentiment":"neutral","sentiment_score":-0.00623735785484314},{"word":"so","start":1056.21,"end":1056.53,"confidence":0.99502903,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.024407733231782913},{"word":"it","start":1056.53,"end":1056.69,"confidence":0.6791615,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03546636179089546},{"word":"doesn't","start":1056.69,"end":1057.01,"confidence":0.9942828,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.0171783659607172},{"word":"stress","start":1057.01,"end":1057.33,"confidence":0.98726547,"punctuated_word":"stress","sentiment":"neutral","sentiment_score":-0.04590066522359848},{"word":"me","start":1057.33,"end":1057.49,"confidence":0.99356914,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.021558597683906555},{"word":"out","start":1057.49,"end":1057.99,"confidence":0.81584454,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.0040235985070466995},{"word":"yep","start":1106.9701,"end":1107.4701,"confidence":0.97538877,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10041161626577376},{"word":"yep","start":1128.4651,"end":1128.9651,"confidence":0.8115721,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12242617458105089},{"word":"driving","start":1136.46,"end":1136.86,"confidence":0.88811606,"punctuated_word":"Driving","sentiment":"neutral","sentiment_score":-0.03269525244832039},{"word":"at","start":1136.86,"end":1137.0199,"confidence":0.99814963,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07078724354505539},{"word":"the","start":1137.0199,"end":1137.1,"confidence":0.9992949,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04330857843160629},{"word":"moment","start":1137.1,"end":1137.6,"confidence":0.99580663,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.04167555645108223},{"word":"i","start":1137.74,"end":1137.82,"confidence":0.7083567,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09518229961395264},{"word":"can't","start":1137.82,"end":1138.0599,"confidence":0.9811536,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.10140655934810638},{"word":"pull","start":1138.0599,"end":1138.22,"confidence":0.9812378,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":-0.0821995809674263},{"word":"over","start":1138.22,"end":1138.62,"confidence":0.44259226,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":-0.08716018497943878},{"word":"i","start":1138.62,"end":1138.7,"confidence":0.78252625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06967786699533463},{"word":"need","start":1138.7,"end":1138.86,"confidence":0.6030963,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.08669541776180267},{"word":"to","start":1138.86,"end":1139.36,"confidence":0.95137066,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.04234998673200607},{"word":"okay","start":1168.61,"end":1168.85,"confidence":0.9752573,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2318211644887924},{"word":"yeah","start":1168.85,"end":1169.01,"confidence":0.9885263,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2948876619338989},{"word":"that","start":1169.01,"end":1169.1699,"confidence":0.9769279,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.44218939542770386},{"word":"should","start":1169.1699,"end":1169.4099,"confidence":0.99597,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.5469593405723572},{"word":"be","start":1169.4099,"end":1169.49,"confidence":0.9971155,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.43449488282203674},{"word":"fine","start":1169.49,"end":1169.99,"confidence":0.78809196,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.4199725389480591},{"word":"yep","start":1214.2,"end":1214.7,"confidence":0.7712351,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4424374997615814},{"word":"yep","start":1240.6051,"end":1241.1051,"confidence":0.9766043,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14594030380249023},{"word":"yep","start":1286.245,"end":1286.745,"confidence":0.9894587,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10803553462028503},{"word":"yep","start":1308.5801,"end":1309.0801,"confidence":0.7392518,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2568280100822449},{"word":"yep","start":1315.155,"end":1315.655,"confidence":0.9932978,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1847231239080429},{"word":"yes","start":1387.76,"end":1388.26,"confidence":0.7098916,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10070831328630447},{"word":"yep","start":1416.8401,"end":1417.3401,"confidence":0.7403743,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.37433719635009766},{"word":"what","start":1449.49,"end":1449.65,"confidence":0.8297853,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.08439625799655914},{"word":"was","start":1449.65,"end":1449.8099,"confidence":0.8662666,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.0831739604473114},{"word":"the","start":1449.8099,"end":1449.97,"confidence":0.81444114,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10349059104919434},{"word":"cold","start":1449.97,"end":1450.29,"confidence":0.7549539,"punctuated_word":"cold,","sentiment":"neutral","sentiment_score":-0.1142698973417282},{"word":"sir","start":1450.29,"end":1450.695,"confidence":0.9979391,"punctuated_word":"sir?","sentiment":"neutral","sentiment_score":-0.06764781475067139},{"word":"not","start":1454.0549,"end":1454.215,"confidence":0.4350866,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.24909785389900208},{"word":"everything","start":1454.215,"end":1454.695,"confidence":0.6337753,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":-0.21514812111854553},{"word":"sir","start":1454.695,"end":1455.195,"confidence":0.99695414,"punctuated_word":"sir.","sentiment":"neutral","sentiment_score":-0.23599711060523987},{"word":"yep","start":1464.3501,"end":1464.8501,"confidence":0.8783332,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.2546640932559967},{"word":"yep","start":1472.3501,"end":1472.51,"confidence":0.9553014,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.024029051885008812},{"word":"yep","start":1472.51,"end":1473.01,"confidence":0.9648578,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04095698520541191},{"word":"yep","start":1503.76,"end":1504.26,"confidence":0.7706501,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.04357147216796875},{"word":"yep","start":1517.3151,"end":1517.8151,"confidence":0.98645025,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02065264992415905},{"word":"yep","start":1544.995,"end":1545.495,"confidence":0.97526073,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10520592331886292},{"word":"yep","start":1564.975,"end":1565.475,"confidence":0.9462131,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4109145998954773},{"word":"yes","start":1570.895,"end":1571.395,"confidence":0.9870272,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.3357279598712921},{"word":"yep","start":1592.225,"end":1592.725,"confidence":0.96218973,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1915670484304428},{"word":"yep","start":1628.165,"end":1628.665,"confidence":0.75177115,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07563838362693787},{"word":"yep","start":1643.02,"end":1643.52,"confidence":0.7555822,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.04455656558275223},{"word":"i'm","start":1649.765,"end":1650.005,"confidence":0.3940242,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.007093846797943115},{"word":"in","start":1650.005,"end":1650.165,"confidence":0.14482307,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.005891978740692139},{"word":"for","start":1650.165,"end":1650.245,"confidence":0.16991311,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06969466805458069},{"word":"my","start":1650.245,"end":1650.4851,"confidence":0.77601624,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.03999887406826019},{"word":"all","start":1650.4851,"end":1650.645,"confidence":0.37963727,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05116993188858032},{"word":"the","start":1650.645,"end":1650.7251,"confidence":0.9462316,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06874055415391922},{"word":"time","start":1650.7251,"end":1651.2251,"confidence":0.99787235,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.009867776185274124},{"word":"yeah","start":1655.045,"end":1655.545,"confidence":0.7824481,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04768746346235275},{"word":"yep","start":1706.495,"end":1706.995,"confidence":0.7819276,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2189427465200424},{"word":"i","start":1710.495,"end":1710.655,"confidence":0.9244507,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24295973777770996},{"word":"think","start":1710.655,"end":1710.8151,"confidence":0.98226696,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.21531806886196136},{"word":"i'm","start":1710.8151,"end":1711.055,"confidence":0.8268943,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.23555563390254977},{"word":"gonna","start":1711.055,"end":1711.2151,"confidence":0.4754854,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.20620720088481903},{"word":"leave","start":1711.2151,"end":1711.4551,"confidence":0.98709375,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.22786109149456024},{"word":"it","start":1711.4551,"end":1711.615,"confidence":0.62365437,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12613996863365173},{"word":"the","start":1711.615,"end":1711.775,"confidence":0.6599332,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16515573859214783},{"word":"same","start":1711.775,"end":1712.015,"confidence":0.9813129,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.18336911499500275},{"word":"for","start":1712.015,"end":1712.255,"confidence":0.871315,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.114306703209877},{"word":"now","start":1712.255,"end":1712.755,"confidence":0.99736416,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.1954112648963928},{"word":"yep","start":1729.89,"end":1730.39,"confidence":0.99295163,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08795982599258423},{"word":"yep","start":1750.49,"end":1750.99,"confidence":0.85115266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09519091248512268},{"word":"yep","start":1784.4501,"end":1784.9501,"confidence":0.9935374,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24133434891700745},{"word":"yep","start":1815.925,"end":1816.425,"confidence":0.75306046,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.27935296297073364},{"word":"no","start":1831.5,"end":1831.74,"confidence":0.7488376,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.028908170759677887},{"word":"questions","start":1831.74,"end":1832.24,"confidence":0.97008365,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":0.00025563500821590424},{"word":"yep","start":1837.26,"end":1837.76,"confidence":0.80355835,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13008737564086914},{"word":"yeah","start":1844.915,"end":1845.415,"confidence":0.7937862,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013241445645689964},{"word":"not","start":1857.3151,"end":1857.555,"confidence":0.64815056,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.27883559465408325},{"word":"at","start":1857.555,"end":1857.715,"confidence":0.9683293,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.3067651391029358},{"word":"the","start":1857.715,"end":1857.795,"confidence":0.8769698,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2527584135532379},{"word":"moment","start":1857.795,"end":1858.295,"confidence":0.99196136,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.25525161623954773},{"word":"yep","start":1892.32,"end":1892.82,"confidence":0.9866642,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12469007074832916},{"word":"i","start":1896.72,"end":1896.88,"confidence":0.8033162,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.030882500112056732},{"word":"did","start":1896.88,"end":1897.2,"confidence":0.76241547,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.029599562287330627},{"word":"start","start":1897.2,"end":1897.52,"confidence":0.6691108,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.07004739344120026},{"word":"working","start":1897.52,"end":1897.84,"confidence":0.881078,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.11811936646699904},{"word":"on","start":1897.84,"end":1897.9199,"confidence":0.9920294,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08081766963005066},{"word":"it","start":1897.9199,"end":1898.24,"confidence":0.9072108,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.08283428847789764},{"word":"but","start":1898.24,"end":1898.74,"confidence":0.9987269,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03631413355469704},{"word":"i've","start":1899.2,"end":1899.44,"confidence":0.97822416,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04325157403945923},{"word":"got","start":1899.44,"end":1899.6799,"confidence":0.93383366,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0901767760515213},{"word":"it","start":1899.6799,"end":1899.84,"confidence":0.86157036,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06881042569875717},{"word":"written","start":1899.84,"end":1900.16,"confidence":0.995413,"punctuated_word":"written","sentiment":"neutral","sentiment_score":0.09609484672546388},{"word":"down","start":1900.16,"end":1900.32,"confidence":0.9943012,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.11804255843162537},{"word":"in","start":1900.32,"end":1900.4,"confidence":0.9409769,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10394513607025146},{"word":"my","start":1900.4,"end":1900.64,"confidence":0.99917126,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.11289086937904358},{"word":"notes","start":1900.64,"end":1900.96,"confidence":0.9980562,"punctuated_word":"notes","sentiment":"neutral","sentiment_score":0.07516591995954514},{"word":"all","start":1900.96,"end":1901.12,"confidence":0.6104177,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.09637145698070526},{"word":"the","start":1901.12,"end":1901.2,"confidence":0.99420255,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0941080078482628},{"word":"questions","start":1901.2,"end":1901.6799,"confidence":0.9927556,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05566619709134102},{"word":"they","start":1901.6799,"end":1901.84,"confidence":0.9830634,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06389136612415314},{"word":"asked","start":1901.84,"end":1902.24,"confidence":0.5515722,"punctuated_word":"asked,","sentiment":"neutral","sentiment_score":0.04261109232902527},{"word":"and","start":1902.24,"end":1902.74,"confidence":0.9651752,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01464288868010044},{"word":"i","start":1903.04,"end":1903.28,"confidence":0.99182844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006256617605686188},{"word":"started","start":1903.28,"end":1903.6,"confidence":0.8138513,"punctuated_word":"started","sentiment":"neutral","sentiment_score":-0.057302843779325485},{"word":"answering","start":1903.6,"end":1904.0,"confidence":0.9877792,"punctuated_word":"answering","sentiment":"neutral","sentiment_score":-0.17504283785820007},{"word":"it","start":1904.0,"end":1904.08,"confidence":0.52225745,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.16883912682533264},{"word":"but","start":1904.08,"end":1904.32,"confidence":0.691313,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.19876445829868317},{"word":"i","start":1904.32,"end":1904.4,"confidence":0.94166756,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.34984251856803894},{"word":"just","start":1904.4,"end":1904.64,"confidence":0.9656991,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.300901859998703},{"word":"haven't","start":1904.64,"end":1904.88,"confidence":0.9284879,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.2907235026359558},{"word":"finished","start":1904.88,"end":1905.2,"confidence":0.97505015,"punctuated_word":"finished","sentiment":"negative","sentiment_score":-0.3576603829860687},{"word":"it","start":1905.2,"end":1905.645,"confidence":0.8786297,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.25045281648635864},{"word":"and","start":1906.685,"end":1907.185,"confidence":0.327546,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1933092474937439},{"word":"very","start":1908.125,"end":1908.365,"confidence":0.3441084,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.6304581761360168},{"word":"lazy","start":1908.365,"end":1908.865,"confidence":0.8034742,"punctuated_word":"lazy.","sentiment":"negative","sentiment_score":-0.5770371556282043},{"word":"uh-huh","start":1919.245,"end":1919.745,"confidence":0.9538202,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.01739172637462616},{"word":"uh-huh","start":1919.805,"end":1920.305,"confidence":0.92864007,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":-0.008738907054066658},{"word":"it's","start":1921.9401,"end":1922.1,"confidence":0.808312,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.14796093106269836},{"word":"not","start":1922.1,"end":1922.26,"confidence":0.9930906,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.16985121369361875},{"word":"that","start":1922.26,"end":1922.42,"confidence":0.987912,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1640007197856903},{"word":"easy","start":1922.42,"end":1922.92,"confidence":0.99702954,"punctuated_word":"easy.","sentiment":"neutral","sentiment_score":-0.18295246362686157},{"word":"it","start":1924.58,"end":1924.74,"confidence":0.5089707,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.03263011574745178},{"word":"doesn't","start":1924.74,"end":1924.98,"confidence":0.9923409,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.028268281370401382},{"word":"happen","start":1924.98,"end":1925.3,"confidence":0.9459804,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.08838706463575363},{"word":"a","start":1925.3,"end":1925.38,"confidence":0.87866217,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14242178201675415},{"word":"long","start":1925.38,"end":1925.62,"confidence":0.9951443,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.14667940139770508},{"word":"time","start":1925.62,"end":1925.7001,"confidence":0.9974394,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.03745771571993828},{"word":"ago","start":1925.7001,"end":1926.02,"confidence":0.7677336,"punctuated_word":"ago,","sentiment":"neutral","sentiment_score":-0.04078961163759232},{"word":"and","start":1926.02,"end":1926.1001,"confidence":0.9777454,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.022486615926027295},{"word":"i","start":1926.1001,"end":1926.18,"confidence":0.9836945,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.010968228802084925},{"word":"scheduled","start":1926.18,"end":1926.68,"confidence":0.42313844,"punctuated_word":"scheduled","sentiment":"neutral","sentiment_score":-0.014703832566738129},{"word":"it","start":1927.62,"end":1927.7001,"confidence":0.29109988,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02469106577336788},{"word":"all","start":1927.7001,"end":1928.02,"confidence":0.44068685,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.021219370886683464},{"word":"day","start":1928.02,"end":1928.34,"confidence":0.52882516,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.014923455193638802},{"word":"now","start":1928.34,"end":1928.84,"confidence":0.34132028,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.0003475472331047058},{"word":"it's","start":1930.02,"end":1930.1,"confidence":0.6116047,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.00209716591052711},{"word":"transcript","start":1930.1,"end":1930.6,"confidence":0.22531706,"punctuated_word":"transcript","sentiment":"neutral","sentiment_score":-0.008758630603551865},{"word":"stuff","start":1931.38,"end":1931.88,"confidence":0.741696,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":0.028043316677212715},{"word":"yeah","start":1937.615,"end":1938.115,"confidence":0.7583281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00624479167163372},{"word":"yeah","start":1947.455,"end":1947.955,"confidence":0.9094646,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01296248473227024},{"word":"i","start":1948.1749,"end":1948.4149,"confidence":0.9775213,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03252965956926346},{"word":"haven't","start":1948.4149,"end":1948.655,"confidence":0.99874175,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.03354550153017044},{"word":"forgotten","start":1948.655,"end":1949.135,"confidence":0.94551754,"punctuated_word":"forgotten","sentiment":"neutral","sentiment_score":-0.05814654007554054},{"word":"about","start":1949.135,"end":1949.375,"confidence":0.95437837,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07952293753623962},{"word":"it","start":1949.375,"end":1949.5349,"confidence":0.97312355,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.035118550062179565},{"word":"it's","start":1949.5349,"end":1949.615,"confidence":0.98740077,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.022556280717253685},{"word":"just","start":1949.615,"end":1950.115,"confidence":0.9997569,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.016891706734895706},{"word":"time","start":1950.54,"end":1950.7001,"confidence":0.9578836,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.01629028096795082},{"word":"and","start":1950.7001,"end":1951.2001,"confidence":0.9972941,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01961824670433998},{"word":"energy","start":1951.26,"end":1951.76,"confidence":0.94465435,"punctuated_word":"energy.","sentiment":"neutral","sentiment_score":-0.009645971469581127},{"word":"but","start":1954.62,"end":1955.12,"confidence":0.48395184,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0474996455013752},{"word":"yeah","start":1957.75,"end":1958.25,"confidence":0.9610007,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07338739931583405},{"word":"yep","start":1966.755,"end":1967.255,"confidence":0.94238836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08028397709131241},{"word":"yeah","start":1984.35,"end":1984.85,"confidence":0.8568254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1233370304107666},{"word":"yep","start":1999.9751,"end":2000.4751,"confidence":0.9638772,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17435413599014282},{"word":"no","start":2006.04,"end":2006.54,"confidence":0.8967291,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06352606415748596},{"word":"yep","start":2013.3201,"end":2013.8201,"confidence":0.9981438,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10630299150943756},{"word":"yep","start":2031.635,"end":2032.035,"confidence":0.9871681,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1286184787750244},{"word":"okay","start":2032.035,"end":2032.535,"confidence":0.7730752,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.15267109870910645},{"word":"not","start":2032.595,"end":2032.835,"confidence":0.5969789,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.4158008098602295},{"word":"a","start":2032.835,"end":2032.915,"confidence":0.97946584,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4018346667289734},{"word":"problem","start":2032.915,"end":2033.415,"confidence":0.9898716,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.4195629358291626},{"word":"not","start":2043.24,"end":2043.36,"confidence":0.71400046,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.37789756059646606},{"word":"a","start":2043.36,"end":2043.48,"confidence":0.99649006,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3169829845428467},{"word":"problem","start":2043.48,"end":2043.9601,"confidence":0.99946165,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.44980376958847046},{"word":"thank","start":2043.9601,"end":2044.2001,"confidence":0.9903628,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6396734714508057},{"word":"you","start":2044.2001,"end":2044.7001,"confidence":0.9995631,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6226284503936768},{"word":"yep","start":2046.8401,"end":2047.3401,"confidence":0.9462402,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11846845597028732},{"word":"yep","start":2047.4,"end":2047.9,"confidence":0.98029137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10120400041341782}],"paragraphs":{"transcript":"\nYep. Yes. Good. Thank you. Yourself?\n\nYep. Yep. Yep. Adam Goodyear. 1992.\n\n8 Mobile Street, Gables 27 65. It's been pretty crazy. Good. Nothing comes to mind. Not really.\n\nI don't think so. Yep. Yep. Yep. Yep.\n\nCell company. Yep. For now. I'll be getting a payroll April. No.\n\nI'd have to look it up. Yep. Try to. But As much as we can, but it's not really much to be honest. I would have to check, but I agree.\n\nI think it might be the same. Yeah. We do. Yeah. It's part of part of an agreement.\n\nYeah. I just need to check because the the agreement changes in April. So I think payroll is part of it. Yeah. It's just a a a a a a hose and spoke gin through the a grainer.\n\nYep. Correct. Yep. Or am I sorry? Probably got down a little bit, I guess, since last time.\n\nSure. I can try it out, but it was. You can go back to the one in a bit. Yep. Yeah.\n\nNo. No. Just need to stop first. Some driving. Yeah.\n\nYeah. That's fine. Yep. Bye. What did you have in my loan as last time?\n\nOkay. I think it's showing you $792,563. A wheel? No. I haven't put a wheel in.\n\nNo. Yep. Yeah. I guess I'm always trying to do Yeah. That's okay.\n\nYeah. Yep. Yeah. No. That's sort of it.\n\nYeah. Yep. Okay. Hard to know with the camera in the water at the moment. I don't know.\n\nI'm leaking in between media and my home. Yeah. How long do you think it's gonna go on for? Yeah. We'll go with that one.\n\nProbably the middle answer. Last time it went. Yeah. Unless it was going on for too long. Yeah.\n\nYeah. I think I would need to. Yeah. I believe so. So my growth would be you're taking more risks with smaller like, investing in not yet not domain.\n\nLike, that I don't know. Like, gold or the the I don't know how to explain it. But Yep. Yep. Usually, I'm happy to go with the high growth, but I'm not sure about this upcoming year.\n\nBut I'm not I'm not an expert. I'll just keep it as it is then. Yeah. Yeah. I to be honest, I didn't need to look at my thing properly, so it doesn't stress me out.\n\nYep. Yep. Driving at the moment. I can't pull over. I need to.\n\nOkay. Yeah. That should be fine. Yep. Yep.\n\nYep. Yep. Yep. Yes. Yep.\n\nWhat was the cold, sir? Not everything, sir. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yes.\n\nYep. Yep. Yep. I'm in for my all the time. Yeah.\n\nYep. I think I'm gonna leave it the same for now. Yep. Yep. Yep.\n\nYep. No questions. Yep. Yeah. Not at the moment.\n\nYep. I did start working on it, but I've got it written down in my notes all the questions they asked, and I started answering it, but I just haven't finished it. And very lazy. Uh-huh. Uh-huh.\n\nIt's not that easy. It doesn't happen a long time ago, and I scheduled it all day now. It's transcript stuff. Yeah. Yeah.\n\nI haven't forgotten about it. It's just time and energy. But yeah. Yep. Yeah.\n\nYep. No. Yep. Yep. Okay.\n\nNot a problem. Not a problem. Thank you. Yep. Yep.","paragraphs":[{"sentences":[{"text":"Yep.","start":10.4,"end":10.88,"sentiment":"neutral","sentiment_score":0.10941553115844728},{"text":"Yes.","start":10.88,"end":11.04,"sentiment":"neutral","sentiment_score":0.20378991961479187},{"text":"Good.","start":11.04,"end":11.28,"sentiment":"positive","sentiment_score":0.4572436809539795},{"text":"Thank you.","start":11.28,"end":11.679999,"sentiment":"positive","sentiment_score":0.5343301892280579},{"text":"Yourself?","start":11.679999,"end":12.179999,"sentiment":"neutral","sentiment_score":0.2589702606201172}],"sentiment":"positive","sentiment_score":0.34967996180057526,"num_words":6,"start":10.4,"end":12.179999},{"sentences":[{"text":"Yep.","start":20.835,"end":21.335,"sentiment":"neutral","sentiment_score":0.08175234496593475},{"text":"Yep.","start":31.369999,"end":31.869999,"sentiment":"neutral","sentiment_score":0.06047729402780533},{"text":"Yep.","start":41.485,"end":41.805,"sentiment":"neutral","sentiment_score":0.044535137712955475},{"text":"Adam Goodyear.","start":41.805,"end":43.025,"sentiment":"neutral","sentiment_score":0.035006534308195114},{"text":"1992.","start":43.805,"end":46.225002,"sentiment":"neutral","sentiment_score":0.022993627935647964}],"sentiment":"neutral","sentiment_score":0.04662857887645563,"num_words":6,"start":20.835,"end":46.225002},{"sentences":[{"text":"8 Mobile Street, Gables 27 65.","start":46.925,"end":50.225,"sentiment":"neutral","sentiment_score":0.02460846398025751},{"text":"It's been pretty crazy.","start":56.510002,"end":57.73,"sentiment":"neutral","sentiment_score":-0.059812700375914574},{"text":"Good.","start":57.87,"end":58.37,"sentiment":"neutral","sentiment_score":0.2657822370529175},{"text":"Nothing comes to mind.","start":81.345,"end":82.565,"sentiment":"neutral","sentiment_score":0.0009763422422111034},{"text":"Not really.","start":92.61,"end":93.35,"sentiment":"neutral","sentiment_score":-0.07313852570950985}],"sentiment":"neutral","sentiment_score":0.0018712080576840568,"num_words":17,"start":46.925,"end":93.35},{"sentences":[{"text":"I don't think so.","start":94.77,"end":95.829994,"sentiment":"neutral","sentiment_score":-0.09356509149074554},{"text":"Yep.","start":112.17,"end":112.67,"sentiment":"neutral","sentiment_score":0.0008741393685340881},{"text":"Yep.","start":125.784996,"end":126.284996,"sentiment":"neutral","sentiment_score":0.03755981847643852},{"text":"Yep.","start":131.705,"end":132.205,"sentiment":"neutral","sentiment_score":0.032962605357170105},{"text":"Yep.","start":138.425,"end":138.84,"sentiment":"neutral","sentiment_score":0.13481926918029785}],"sentiment":"neutral","sentiment_score":-0.0210055666975677,"num_words":8,"start":94.77,"end":138.84},{"sentences":[{"text":"Cell company.","start":146.51999,"end":147.34,"sentiment":"neutral","sentiment_score":0.008913510479032993},{"text":"Yep.","start":152.72499,"end":153.22499,"sentiment":"neutral","sentiment_score":0.05507495254278183},{"text":"For now.","start":166.18,"end":166.81999,"sentiment":"neutral","sentiment_score":0.023229939863085747},{"text":"I'll be getting a payroll April.","start":166.81999,"end":169.08,"sentiment":"neutral","sentiment_score":0.057640442003806434},{"text":"No.","start":174.98,"end":175.14,"sentiment":"neutral","sentiment_score":-0.1038091480731964}],"sentiment":"neutral","sentiment_score":0.030116279764721792,"num_words":12,"start":146.51999,"end":175.14},{"sentences":[{"text":"I'd have to look it up.","start":175.14,"end":176.385,"sentiment":"neutral","sentiment_score":-0.0786312868197759},{"text":"Yep.","start":181.42499,"end":181.92499,"sentiment":"neutral","sentiment_score":0.05100331827998161},{"text":"Try to.","start":198.46,"end":199.26001,"sentiment":"neutral","sentiment_score":-0.03319125436246395},{"text":"But As much as we can, but it's not really much to be honest.","start":199.26001,"end":215.235,"sentiment":"neutral","sentiment_score":-0.09763988533190318},{"text":"I would have to check, but I agree.","start":224.01999,"end":226.01999,"sentiment":"neutral","sentiment_score":-0.016471552196890116}],"sentiment":"neutral","sentiment_score":-0.06406121688985056,"num_words":31,"start":175.14,"end":226.01999},{"sentences":[{"text":"I think it might be the same.","start":226.01999,"end":227.56,"sentiment":"neutral","sentiment_score":0.016907632084829465},{"text":"Yeah.","start":232.58,"end":232.9,"sentiment":"neutral","sentiment_score":0.006627569906413555},{"text":"We do.","start":232.9,"end":233.64,"sentiment":"neutral","sentiment_score":0.006199565250426531},{"text":"Yeah.","start":234.055,"end":234.375,"sentiment":"neutral","sentiment_score":0.012542801909148691},{"text":"It's part of part of an agreement.","start":234.375,"end":236.455,"sentiment":"neutral","sentiment_score":0.022669300703065737}],"sentiment":"neutral","sentiment_score":0.017144890657315653,"num_words":18,"start":226.01999,"end":236.455},{"sentences":[{"text":"Yeah.","start":236.455,"end":236.955,"sentiment":"neutral","sentiment_score":0.015466364100575449},{"text":"I just need to check because the the agreement changes in April.","start":237.175,"end":245.675,"sentiment":"neutral","sentiment_score":0.0028448494461675486},{"text":"So I think payroll is part of it.","start":246.56,"end":248.9,"sentiment":"neutral","sentiment_score":0.07493043132126331},{"text":"Yeah.","start":256.88,"end":257.2,"sentiment":"neutral","sentiment_score":0.071590855717659},{"text":"It's just a a a a a a hose and spoke gin through the a grainer.","start":257.2,"end":262.905,"sentiment":"neutral","sentiment_score":0.03832074429374188}],"sentiment":"neutral","sentiment_score":0.035099230853742676,"num_words":38,"start":236.455,"end":262.905},{"sentences":[{"text":"Yep.","start":271.25,"end":271.75,"sentiment":"neutral","sentiment_score":0.08269287645816803},{"text":"Correct.","start":272.05,"end":272.55,"sentiment":"neutral","sentiment_score":0.17688988149166107},{"text":"Yep.","start":281.89,"end":282.39,"sentiment":"neutral","sentiment_score":-0.008068758063018322},{"text":"Or am I sorry?","start":285.765,"end":292.745,"sentiment":"neutral","sentiment_score":0.01472892239689827},{"text":"Probably got down a little bit, I guess, since last time.","start":300.34,"end":303.24002,"sentiment":"neutral","sentiment_score":-0.03967451033267108}],"sentiment":"neutral","sentiment_score":-0.006999440232498778,"num_words":18,"start":271.25,"end":303.24002},{"sentences":[{"text":"Sure.","start":311.54,"end":311.78,"sentiment":"neutral","sentiment_score":0.003143051639199257},{"text":"I can try it out, but it was.","start":311.78,"end":313.395,"sentiment":"neutral","sentiment_score":0.0012848550686612725},{"text":"You can go back to the one in a bit.","start":316.19498,"end":318.145,"sentiment":"neutral","sentiment_score":0.25554847419261933},{"text":"Yep.","start":330.71,"end":331.21,"sentiment":"neutral","sentiment_score":0.007971993647515774},{"text":"Yeah.","start":341.605,"end":342.105,"sentiment":"neutral","sentiment_score":0.006752819288522005}],"sentiment":"neutral","sentiment_score":0.12303006890717716,"num_words":21,"start":311.54,"end":342.105},{"sentences":[{"text":"No.","start":376.175,"end":376.495,"sentiment":"neutral","sentiment_score":-0.0743396058678627},{"text":"No.","start":376.495,"end":376.995,"sentiment":"neutral","sentiment_score":-0.05996900796890259},{"text":"Just need to stop first.","start":386.55,"end":387.93,"sentiment":"neutral","sentiment_score":-0.07037958651781082},{"text":"Some driving.","start":388.07,"end":388.89,"sentiment":"neutral","sentiment_score":-0.04571089334785938},{"text":"Yeah.","start":394.935,"end":395.175,"sentiment":"neutral","sentiment_score":0.033465683460235596}],"sentiment":"neutral","sentiment_score":-0.05441626496613026,"num_words":10,"start":376.175,"end":395.175},{"sentences":[{"text":"Yeah.","start":395.175,"end":395.335,"sentiment":"neutral","sentiment_score":0.0571124255657196},{"text":"That's fine.","start":395.335,"end":396.155,"sentiment":"neutral","sentiment_score":0.10076349601149559},{"text":"Yep.","start":404.375,"end":404.875,"sentiment":"neutral","sentiment_score":0.05163658782839775},{"text":"Bye.","start":409.36002,"end":409.86002,"sentiment":"neutral","sentiment_score":0.013542642816901209},{"text":"What did you have in my loan as last time?","start":411.52002,"end":414.74002,"sentiment":"neutral","sentiment_score":0.014192330744117498}],"sentiment":"neutral","sentiment_score":0.031049463711678982,"num_words":15,"start":395.175,"end":414.74002},{"sentences":[{"text":"Okay.","start":419.6,"end":420.1,"sentiment":"neutral","sentiment_score":0.018577050417661667},{"text":"I think it's showing you $792,563.","start":420.16,"end":428.615,"sentiment":"neutral","sentiment_score":0.02543125053246816},{"text":"A wheel?","start":442.7,"end":443.26,"sentiment":"neutral","sentiment_score":-0.031249635852873325},{"text":"No.","start":443.26,"end":443.42,"sentiment":"neutral","sentiment_score":-0.18148133158683777},{"text":"I haven't put a wheel in.","start":443.42,"end":444.88,"sentiment":"neutral","sentiment_score":-0.12878372396032015}],"sentiment":"neutral","sentiment_score":-0.05284489959012717,"num_words":16,"start":419.6,"end":444.88},{"sentences":[{"text":"No.","start":453.225,"end":453.725,"sentiment":"neutral","sentiment_score":0.11162389814853668},{"text":"Yep.","start":465.37,"end":465.87,"sentiment":"neutral","sentiment_score":0.16338133811950684},{"text":"Yeah.","start":483.435,"end":483.835,"sentiment":"neutral","sentiment_score":0.07646185159683228},{"text":"I guess I'm always trying to do Yeah.","start":483.835,"end":486.99002,"sentiment":"neutral","sentiment_score":0.04678858653642237},{"text":"That's okay.","start":486.99002,"end":488.35,"sentiment":"neutral","sentiment_score":0.08638872485607861}],"sentiment":"neutral","sentiment_score":0.06911947922064708,"num_words":13,"start":453.225,"end":488.35},{"sentences":[{"text":"Yeah.","start":488.35,"end":488.85,"sentiment":"neutral","sentiment_score":0.16051959991455078},{"text":"Yep.","start":499.15002,"end":499.65002,"sentiment":"neutral","sentiment_score":0.14287082850933075},{"text":"Yeah.","start":513.355,"end":513.855,"sentiment":"neutral","sentiment_score":0.005228725261986256},{"text":"No.","start":514.075,"end":514.555,"sentiment":"neutral","sentiment_score":-0.0645105242729187},{"text":"That's sort of it.","start":514.555,"end":516.015,"sentiment":"neutral","sentiment_score":-0.1057810066267848}],"sentiment":"neutral","sentiment_score":-0.022376924636773765,"num_words":8,"start":488.35,"end":516.015},{"sentences":[{"text":"Yeah.","start":517.83997,"end":518.33997,"sentiment":"neutral","sentiment_score":0.12344177067279816},{"text":"Yep.","start":532.45496,"end":532.95496,"sentiment":"neutral","sentiment_score":0.053090862929821014},{"text":"Okay.","start":539.89496,"end":540.39496,"sentiment":"neutral","sentiment_score":0.004725656472146511},{"text":"Hard to know with the camera in the water at the moment.","start":586.145,"end":589.205,"sentiment":"neutral","sentiment_score":-0.3138587102293968},{"text":"I don't know.","start":591.54504,"end":593.93835,"sentiment":"neutral","sentiment_score":-0.14466553429762521}],"sentiment":"neutral","sentiment_score":-0.2232801575317151,"num_words":18,"start":517.83997,"end":593.93835},{"sentences":[{"text":"I'm leaking in between media and my home.","start":594.385,"end":597.86,"sentiment":"neutral","sentiment_score":-0.13226169534027576},{"text":"Yeah.","start":656.86,"end":657.36,"sentiment":"neutral","sentiment_score":-0.04908350110054016},{"text":"How long do you think it's gonna go on for?","start":657.89996,"end":661.12,"sentiment":"neutral","sentiment_score":-0.03250568006187678},{"text":"Yeah.","start":677.075,"end":677.575,"sentiment":"neutral","sentiment_score":0.02817703038454056},{"text":"We'll go with that one.","start":677.635,"end":678.775,"sentiment":"neutral","sentiment_score":0.053016601502895354}],"sentiment":"neutral","sentiment_score":-0.04555895306169987,"num_words":25,"start":594.385,"end":678.775},{"sentences":[{"text":"Probably the middle answer.","start":736.3,"end":737.68,"sentiment":"neutral","sentiment_score":-0.07348848506808281},{"text":"Last time it went.","start":739.42,"end":740.48,"sentiment":"neutral","sentiment_score":-0.03986777924001217},{"text":"Yeah.","start":740.94,"end":741.42,"sentiment":"neutral","sentiment_score":-0.03512043133378029},{"text":"Unless it was going on for too long.","start":741.42,"end":743.27997,"sentiment":"neutral","sentiment_score":-0.11862826999276876},{"text":"Yeah.","start":748.305,"end":748.805,"sentiment":"neutral","sentiment_score":-0.04400750249624252}],"sentiment":"neutral","sentiment_score":-0.08230995283358628,"num_words":18,"start":736.3,"end":748.805},{"sentences":[{"text":"Yeah.","start":762.91,"end":763.41,"sentiment":"neutral","sentiment_score":-0.06908498704433441},{"text":"I think I would need to.","start":786.125,"end":787.665,"sentiment":"neutral","sentiment_score":-0.13481315349539122},{"text":"Yeah.","start":806.97504,"end":807.375,"sentiment":"neutral","sentiment_score":0.03017163649201393},{"text":"I believe so.","start":807.375,"end":812.195,"sentiment":"neutral","sentiment_score":0.010483582814534506},{"text":"So my growth would be you're taking more risks with smaller like, investing in not yet not domain.","start":814.49506,"end":827.34,"sentiment":"neutral","sentiment_score":-0.020652216496980853}],"sentiment":"neutral","sentiment_score":-0.04096832482850757,"num_words":29,"start":762.91,"end":827.34},{"sentences":[{"text":"Like, that I don't know.","start":829.16,"end":830.6,"sentiment":"neutral","sentiment_score":-0.0726231537759304},{"text":"Like, gold or the the I don't know how to explain it.","start":830.6,"end":834.975,"sentiment":"neutral","sentiment_score":-0.10315599913398425},{"text":"But Yep.","start":841.3125,"end":895.625,"sentiment":"neutral","sentiment_score":0.14363804459571838},{"text":"Yep.","start":905.25,"end":905.75,"sentiment":"neutral","sentiment_score":0.02394016832113266},{"text":"Usually, I'm happy to go with the high growth, but I'm not sure about this upcoming year.","start":962.81,"end":971.07,"sentiment":"neutral","sentiment_score":0.01826828411396812}],"sentiment":"neutral","sentiment_score":-0.02646515327128204,"num_words":37,"start":829.16,"end":971.07},{"sentences":[{"text":"But I'm not I'm not an expert.","start":973.05,"end":975.0,"sentiment":"neutral","sentiment_score":-0.20936433332306997},{"text":"I'll just keep it as it is then.","start":1048.93,"end":1050.63,"sentiment":"neutral","sentiment_score":0.23823107220232487},{"text":"Yeah.","start":1051.81,"end":1052.31,"sentiment":"neutral","sentiment_score":0.05974043160676956},{"text":"Yeah.","start":1052.45,"end":1052.77,"sentiment":"neutral","sentiment_score":0.06579326093196869},{"text":"I to be honest, I didn't need to look at my thing properly, so it doesn't stress me out.","start":1052.77,"end":1057.99,"sentiment":"neutral","sentiment_score":-0.009823029738311706}],"sentiment":"neutral","sentiment_score":0.010533176996331248,"num_words":36,"start":973.05,"end":1057.99},{"sentences":[{"text":"Yep.","start":1106.9701,"end":1107.4701,"sentiment":"neutral","sentiment_score":0.10041161626577376},{"text":"Yep.","start":1128.4651,"end":1128.9651,"sentiment":"neutral","sentiment_score":0.12242617458105089},{"text":"Driving at the moment.","start":1136.46,"end":1137.6,"sentiment":"neutral","sentiment_score":-0.047116657719016075},{"text":"I can't pull over.","start":1137.74,"end":1138.62,"sentiment":"neutral","sentiment_score":-0.09148715622723103},{"text":"I need to.","start":1138.62,"end":1139.36,"sentiment":"neutral","sentiment_score":-0.06624109049638112}],"sentiment":"neutral","sentiment_score":-0.04079236434056209,"num_words":13,"start":1106.9701,"end":1139.36},{"sentences":[{"text":"Okay.","start":1168.61,"end":1168.85,"sentiment":"neutral","sentiment_score":0.2318211644887924},{"text":"Yeah.","start":1168.85,"end":1169.01,"sentiment":"neutral","sentiment_score":0.2948876619338989},{"text":"That should be fine.","start":1169.01,"end":1169.99,"sentiment":"positive","sentiment_score":0.4609040394425392},{"text":"Yep.","start":1214.2,"end":1214.7,"sentiment":"positive","sentiment_score":0.4424374997615814},{"text":"Yep.","start":1240.6051,"end":1241.1051,"sentiment":"neutral","sentiment_score":0.14594030380249023}],"sentiment":"positive","sentiment_score":0.369837848469615,"num_words":8,"start":1168.61,"end":1241.1051},{"sentences":[{"text":"Yep.","start":1286.245,"end":1286.745,"sentiment":"neutral","sentiment_score":0.10803553462028503},{"text":"Yep.","start":1308.5801,"end":1309.0801,"sentiment":"neutral","sentiment_score":0.2568280100822449},{"text":"Yep.","start":1315.155,"end":1315.655,"sentiment":"neutral","sentiment_score":0.1847231239080429},{"text":"Yes.","start":1387.76,"end":1388.26,"sentiment":"neutral","sentiment_score":0.10070831328630447},{"text":"Yep.","start":1416.8401,"end":1417.3401,"sentiment":"positive","sentiment_score":0.37433719635009766}],"sentiment":"neutral","sentiment_score":0.204926435649395,"num_words":5,"start":1286.245,"end":1417.3401},{"sentences":[{"text":"What was the cold, sir?","start":1449.49,"end":1450.695,"sentiment":"neutral","sentiment_score":-0.09059570431709289},{"text":"Not everything, sir.","start":1454.0549,"end":1455.195,"sentiment":"neutral","sentiment_score":-0.23341436187426248},{"text":"Yep.","start":1464.3501,"end":1464.8501,"sentiment":"neutral","sentiment_score":-0.2546640932559967},{"text":"Yep.","start":1472.3501,"end":1472.51,"sentiment":"neutral","sentiment_score":-0.024029051885008812},{"text":"Yep.","start":1472.51,"end":1473.01,"sentiment":"neutral","sentiment_score":0.04095698520541191}],"sentiment":"neutral","sentiment_score":-0.12645070610398595,"num_words":11,"start":1449.49,"end":1473.01},{"sentences":[{"text":"Yep.","start":1503.76,"end":1504.26,"sentiment":"neutral","sentiment_score":-0.04357147216796875},{"text":"Yep.","start":1517.3151,"end":1517.8151,"sentiment":"neutral","sentiment_score":0.02065264992415905},{"text":"Yep.","start":1544.995,"end":1545.495,"sentiment":"neutral","sentiment_score":0.10520592331886292},{"text":"Yep.","start":1564.975,"end":1565.475,"sentiment":"positive","sentiment_score":0.4109145998954773},{"text":"Yes.","start":1570.895,"end":1571.395,"sentiment":"positive","sentiment_score":0.3357279598712921}],"sentiment":"neutral","sentiment_score":0.1657859321683645,"num_words":5,"start":1503.76,"end":1571.395},{"sentences":[{"text":"Yep.","start":1592.225,"end":1592.725,"sentiment":"neutral","sentiment_score":0.1915670484304428},{"text":"Yep.","start":1628.165,"end":1628.665,"sentiment":"neutral","sentiment_score":0.07563838362693787},{"text":"Yep.","start":1643.02,"end":1643.52,"sentiment":"neutral","sentiment_score":-0.04455656558275223},{"text":"I'm in for my all the time.","start":1649.765,"end":1651.2251,"sentiment":"neutral","sentiment_score":0.034381953201123645},{"text":"Yeah.","start":1655.045,"end":1655.545,"sentiment":"neutral","sentiment_score":0.04768746346235275}],"sentiment":"neutral","sentiment_score":0.04645545475862243,"num_words":11,"start":1592.225,"end":1655.545},{"sentences":[{"text":"Yep.","start":1706.495,"end":1706.995,"sentiment":"neutral","sentiment_score":0.2189427465200424},{"text":"I think I'm gonna leave it the same for now.","start":1710.495,"end":1712.755,"sentiment":"neutral","sentiment_score":0.19122845232486724},{"text":"Yep.","start":1729.89,"end":1730.39,"sentiment":"neutral","sentiment_score":0.08795982599258423},{"text":"Yep.","start":1750.49,"end":1750.99,"sentiment":"neutral","sentiment_score":0.09519091248512268},{"text":"Yep.","start":1784.4501,"end":1784.9501,"sentiment":"neutral","sentiment_score":0.24133434891700745}],"sentiment":"neutral","sentiment_score":0.18255088265453065,"num_words":14,"start":1706.495,"end":1784.9501},{"sentences":[{"text":"Yep.","start":1815.925,"end":1816.425,"sentiment":"neutral","sentiment_score":0.27935296297073364},{"text":"No questions.","start":1831.5,"end":1832.24,"sentiment":"neutral","sentiment_score":0.014581902883946896},{"text":"Yep.","start":1837.26,"end":1837.76,"sentiment":"neutral","sentiment_score":0.13008737564086914},{"text":"Yeah.","start":1844.915,"end":1845.415,"sentiment":"neutral","sentiment_score":0.013241445645689964},{"text":"Not at the moment.","start":1857.3151,"end":1858.295,"sentiment":"neutral","sentiment_score":-0.27340269088745117}],"sentiment":"neutral","sentiment_score":-0.07130724150273535,"num_words":9,"start":1815.925,"end":1858.295},{"sentences":[{"text":"Yep.","start":1892.32,"end":1892.82,"sentiment":"neutral","sentiment_score":0.12469007074832916},{"text":"I did start working on it, but I've got it written down in my notes all the questions they asked, and I started answering it, but I just haven't finished it.","start":1896.72,"end":1905.645,"sentiment":"neutral","sentiment_score":-0.019967409691983653},{"text":"And very lazy.","start":1906.685,"end":1908.865,"sentiment":"negative","sentiment_score":-0.46693485975265503},{"text":"Uh-huh.","start":1919.245,"end":1919.745,"sentiment":"neutral","sentiment_score":0.01739172637462616},{"text":"Uh-huh.","start":1919.805,"end":1920.305,"sentiment":"neutral","sentiment_score":-0.008738907054066658}],"sentiment":"neutral","sentiment_score":-0.05098517269298837,"num_words":37,"start":1892.32,"end":1920.305},{"sentences":[{"text":"It's not that easy.","start":1921.9401,"end":1922.92,"sentiment":"neutral","sentiment_score":-0.16619133204221725},{"text":"It doesn't happen a long time ago, and I scheduled it all day now.","start":1924.58,"end":1928.84,"sentiment":"neutral","sentiment_score":-0.04258051275142601},{"text":"It's transcript stuff.","start":1930.02,"end":1931.88,"sentiment":"neutral","sentiment_score":0.0071272839947293205},{"text":"Yeah.","start":1937.615,"end":1938.115,"sentiment":"neutral","sentiment_score":0.00624479167163372},{"text":"Yeah.","start":1947.455,"end":1947.955,"sentiment":"neutral","sentiment_score":-0.01296248473227024}],"sentiment":"neutral","sentiment_score":-0.05418384120718617,"num_words":23,"start":1921.9401,"end":1947.955},{"sentences":[{"text":"I haven't forgotten about it.","start":1948.1749,"end":1949.5349,"sentiment":"neutral","sentiment_score":-0.04777263775467873},{"text":"It's just time and energy.","start":1949.5349,"end":1951.76,"sentiment":"neutral","sentiment_score":-0.017000497318804264},{"text":"But yeah.","start":1954.62,"end":1958.25,"sentiment":"neutral","sentiment_score":0.012943876907229424},{"text":"Yep.","start":1966.755,"end":1967.255,"sentiment":"neutral","sentiment_score":-0.08028397709131241},{"text":"Yeah.","start":1984.35,"end":1984.85,"sentiment":"neutral","sentiment_score":0.1233370304107666}],"sentiment":"neutral","sentiment_score":-0.01820891915953585,"num_words":14,"start":1948.1749,"end":1984.85},{"sentences":[{"text":"Yep.","start":1999.9751,"end":2000.4751,"sentiment":"neutral","sentiment_score":0.17435413599014282},{"text":"No.","start":2006.04,"end":2006.54,"sentiment":"neutral","sentiment_score":-0.06352606415748596},{"text":"Yep.","start":2013.3201,"end":2013.8201,"sentiment":"neutral","sentiment_score":0.10630299150943756},{"text":"Yep.","start":2031.635,"end":2032.035,"sentiment":"neutral","sentiment_score":0.1286184787750244},{"text":"Okay.","start":2032.035,"end":2032.535,"sentiment":"neutral","sentiment_score":0.15267109870910645}],"sentiment":"neutral","sentiment_score":0.09968412816524505,"num_words":5,"start":1999.9751,"end":2032.535},{"sentences":[{"text":"Not a problem.","start":2032.595,"end":2033.415,"sentiment":"positive","sentiment_score":0.4123994708061218},{"text":"Not a problem.","start":2043.24,"end":2043.9601,"sentiment":"positive","sentiment_score":0.3815614382425944},{"text":"Thank you.","start":2043.9601,"end":2044.7001,"sentiment":"positive","sentiment_score":0.6311509609222412},{"text":"Yep.","start":2046.8401,"end":2047.3401,"sentiment":"neutral","sentiment_score":0.11846845597028732},{"text":"Yep.","start":2047.4,"end":2047.9,"sentiment":"neutral","sentiment_score":0.10120400041341782}],"sentiment":"positive","sentiment_score":0.38638571053743365,"num_words":10,"start":2032.595,"end":2047.9}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. This is Adam. This is Veronica from OC Financial. How are you this afternoon?\n\nChannel 1: Yep. Yes. Good. Thank you. Yourself?\n\nChannel 0: Not good. I'm well as well. I had you booked in to complete your under review. Is now still a good time for you?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address\n\nChannel 1: Yep. Adam Goodyear. 1992.\n\nChannel 0: for\n\nChannel 1: 8\n\nChannel 0: me,\n\nChannel 1: Mobile Street, Gables\n\nChannel 0: please?\n\nChannel 1: 27\n\nChannel 0: Yep.\n\nChannel 1: 65.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy?\n\nChannel 1: It's been pretty crazy. Good.\n\nChannel 0: Oh, that's that's nice. Now just before I do kind of jump in through that interview, I do like to start by asking if there is anything specific that you are hoping to get out of this review today or any areas you would like to kind of go through in a bit more detail or whether it's just just a bit of a catch up to see kind of what's happened in the last twelve months?\n\nChannel 1: Nothing comes to mind.\n\nChannel 0: No no problem. And how's the last twelve months kind of been for you? Any any changes or anything to your circumstances?\n\nChannel 1: Not really.\n\nChannel 0: Nope? Okay.\n\nChannel 1: I don't think so.\n\nChannel 0: No. That's okay. Sometimes it's hard to remember as well. What I will do, though, is I will just quickly run through a bit of a fact line just to see if there is anything that has changed that might need us to make any changes to your advice. So bear with me as I\n\nChannel 1: Yep.\n\nChannel 0: go through this, and I'll try to go through it as quickly as I can for you. Now with your personal information, I have you down here as married with true financial dependent. Is that still the case?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And I do have here next of Ken, Elizabeth.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. I have phone number ending in 135. Is that still the case? Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to your employment, has any of that changed in the last twelve months?\n\nChannel 1: Cell company.\n\nChannel 0: Same cop still doing the site supervisor plumbing?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now I do have here income of around 134,956. Is that still the case, or do you know if that's changed?\n\nChannel 1: For now. I'll be getting a payroll April.\n\nChannel 0: Oh, nice. Do you know what it's changing to?\n\nChannel 1: No. I'd have to look it up.\n\nChannel 0: Yeah. No. That's okay. But for now, it's still that 134?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now when it comes to bills and expenses, I have here that most most of the income goes through bills and stuff. You aren't really saving anything on a regular basis.\n\nChannel 1: Try to. But\n\nChannel 0: Yeah. How much do you guys, I guess, on average, try to put aside? Obviously, obviously, it depends on bills and expenses and everything, but if you were to say an average.\n\nChannel 1: As much as we can, but it's not really much to be honest.\n\nChannel 0: Yep. No. That's okay. And your employer, they still pay you just that 12% employer contribution?\n\nChannel 1: I would have to check, but I agree.\n\nChannel 0: Yes.\n\nChannel 1: I think it might be the same.\n\nChannel 0: Yeah. Perfect. So just kind of like you don't have an enterprise login agreement\n\nChannel 1: Yeah. We\n\nChannel 0: or anything.\n\nChannel 1: do.\n\nChannel 0: You\n\nChannel 1: Yeah.\n\nChannel 0: do?\n\nChannel 1: It's part of part of\n\nChannel 0: Okay.\n\nChannel 1: an agreement. Yeah. I just need to check because the the agreement changes in April.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: I think payroll is part of it.\n\nChannel 0: Okay. And it still gives you obviously choice of super and everything like that. It's just a couple of extra benefits.\n\nChannel 1: Yeah. It's just\n\nChannel 0: Yeah.\n\nChannel 1: a a a a a a hose and spoke gin through\n\nChannel 0: Yeah.\n\nChannel 1: the a grainer.\n\nChannel 0: Yeah. Perfect. Otherwise, you are not making any additional contributions into super, just that from your employer.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Correct.\n\nChannel 0: Perfect. Now asset and liabilities wise, I have here that your main property was last valued at about 1,800,000.0. Is that\n\nChannel 1: Yep.\n\nChannel 0: still the case, or has that gone up a little bit? Do you know?\n\nChannel 1: Or am\n\nChannel 0: Around the same. Alright. Perfect. I do have here mortgage of around 800 and\n\nChannel 1: I sorry?\n\nChannel 0: 9,788.\n\nChannel 1: Probably got down a little bit, I guess, since last\n\nChannel 0: Yeah.\n\nChannel 1: time.\n\nChannel 0: How much do you reckon? If\n\nChannel 1: Sure.\n\nChannel 0: it was\n\nChannel 1: I can\n\nChannel 0: around\n\nChannel 1: try it out,\n\nChannel 0: 8\n\nChannel 1: but\n\nChannel 0: or\n\nChannel 1: it was.\n\nChannel 0: yeah. Perfect. That'd be great.\n\nChannel 1: You can go back to the one in a bit.\n\nChannel 0: Yep. And while you do look for it, do you still have the huge the virus valued at about 55?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And you didn't have anything owing on that one? Not cool. Also tools of about 3,000?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Do you have any other new assets otherwise in the last kind of twelve months? Any motorbikes or boats or anything else? Nah. Perfect.\n\nAnd any other liabilities? Personal loans, credit cards, ZIP pay? No. Perfect. And have you ever been declared bankrupt or been under a part nine debt agreement?\n\nChannel 1: No. No.\n\nChannel 0: Alright. Perfect. Were you able to access the the mortgage, or is it a bit tricky?\n\nChannel 1: Just need to stop first. Some driving.\n\nChannel 0: Yeah. No. That's okay. Are you happy for me to just kind of keep going in the meantime?\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Yeah. Yeah. Alright. Perfect. Health and lifestyle wise, I have you down here as a nonsmoker.\n\nIs that still the case?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Any changes to your health in the last twelve months?\n\nChannel 1: Bye.\n\nChannel 0: No. Perfect.\n\nChannel 1: What did you have in my loan as last time?\n\nChannel 0: 809,788.\n\nChannel 1: Okay. I think it's showing you $792,563.\n\nChannel 0: Yep. 563. Great. Perfect. I will update that.\n\nThank you so much for getting that. Otherwise, when it comes to estate planning, do you have a will in place?\n\nChannel 1: A wheel? No. I haven't put a wheel in.\n\nChannel 0: No. No. That's okay. And are you politically involved at all or on any income overseas?\n\nChannel 1: No.\n\nChannel 0: That's perfect. When it comes to your beneficiary nominations, so in the event that something happens to you, I have Elizabeth nominated at a 100%. Is that still correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And, I guess, otherwise, kind of goals that you are working towards in the next twelve months. Last time we spoke, your main focus was to save a bit of money and do some house renovation.\n\nChannel 1: Yeah. I guess I'm always trying to do\n\nChannel 0: Try\n\nChannel 1: Yeah.\n\nChannel 0: to do a\n\nChannel 1: That's\n\nChannel 0: little bit of that.\n\nChannel 1: okay. Yeah.\n\nChannel 0: That's okay. Otherwise, a bit more medium to long term. We're looking at maybe buying an investment property and buy a new car. Is that still\n\nChannel 1: Yep.\n\nChannel 0: kind of the plans as well? Yeah? Do you have any other, like, new goals that you are working through in the next twelve months financially or nonfinancially at all?\n\nChannel 1: Yeah. No. That's sort of it.\n\nChannel 0: That's the main thing? Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Now the next thing I do wanna quickly run over with you, Adam, it's just a bit of an updated risk profile, and that is just simply to see if we need to make any changes to your investment portfolio within your superannuation. So there is\n\nChannel 1: Yep.\n\nChannel 0: no right or wrong answer. It's just whatever you feel is the most appropriate for you. And if it doesn't make sense, just let me know.\n\nChannel 1: Okay.\n\nChannel 0: Now have you ever bought direct shares yourself? No. Perfect. Next is in regards to inflation. So inflation means that things are getting more expensive over time, kind of making your money worth less, and everything is costing a little bit more.\n\nNow how much of a risk are you willing to take in order to try to keep up with the rising prices when it comes to your superannuation? Would you say very high risk, high, moderate, or a small amount of risk in order to try to keep up pace with inflation?\n\nChannel 1: Hard to know with the camera in the water at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: I don't know. I'm leaking\n\nChannel 0: A bit\n\nChannel 1: in between media and my home.\n\nChannel 0: medium or low? Okay. Perfect. And how would you feel about volatility? So if, let's say, six months after placing an investment, you found out that your portfolio has decreased by 20% due to general trends in their financial market.\n\nNow would you try to take advantage of that? I think that now is potentially a good time to invest a little bit more while the prices are down, or would you kind of hold, wait to see what happens, Or would you want to shift through a more secure asset, but that means then you are then selling when the prices have already dropped? It's a bit tricky because, obviously, it depends on what's going on.\n\nChannel 1: Yeah. How long do you think\n\nChannel 0: So\n\nChannel 1: it's gonna go\n\nChannel 0: exactly.\n\nChannel 1: on for?\n\nChannel 0: Would you say kind of somewhere in the middle, hold and wait to see what happens, and then maybe sometimes invest a little bit, sometimes sell out depending on, I guess, forecasting and stuff like that.\n\nChannel 1: Yeah. We'll go with that\n\nChannel 0: Yep.\n\nChannel 1: one.\n\nChannel 0: Yep. Okay. Next up is in regards to fluctuations in superannuation. So have you ever noticed your superannuation obviously fall in value? Obviously, what's going on in the world the last twelve months?\n\nWe have seen a lot of fluctuations in in in the market and in the world. And then, obviously, going back to COVID as well, we did see, you know, a bit of fluctuation and stuff then as well. If you did notice your superannuation, you know, full in value, how would that make you feel? Would you stay optimistic about potential future investment opportunities? A bit more, you know, neutral, not making further investments, or you think that would make you feel quite concerned or anxious?\n\nChannel 1: Probably the middle answer.\n\nChannel 0: The middle? Perfect. So kind\n\nChannel 1: Last\n\nChannel 0: of a bit\n\nChannel 1: time it\n\nChannel 0: new.\n\nChannel 1: went. Yeah. Unless it was going on for too long.\n\nChannel 0: Yeah. Yes. Yeah. No. Definitely.\n\nThen there might be a bit more of a structural issue. Obviously, things\n\nChannel 1: Yeah.\n\nChannel 0: do fluctuate short term, especially if you are in, you know, your high growth portfolio. It is kind of what you see and expect through periods of time. But, obviously, if that goes on for a prolonged period of time, then, you know, there might need to be more drastic changes\n\nChannel 1: Yeah.\n\nChannel 0: to be made. Yep. And last one here, Adam, is have you ever considered taking out a loan to invest in stocks or funds? No. Would you ever consider taking out a loan to buy an investment property?\n\nChannel 1: I think I would need to.\n\nChannel 0: Yep. Okay. Now that tells me here that you have come out as a growth investor. And at the moment, we have you invested in a high growth portfolio. So do you know the difference between those two at all?\n\nChannel 1: Yeah. I believe\n\nChannel 0: Yeah. How would you describe it to me?\n\nChannel 1: so.\n\nChannel 0: Putting you on the spot.\n\nChannel 1: So my growth would be you're taking more risks with\n\nChannel 0: Yep.\n\nChannel 1: smaller like, investing in not yet not domain.\n\nChannel 0: Mhmm.\n\nChannel 1: Like, that I don't know. Like, gold or\n\nChannel 0: Mhmm.\n\nChannel 1: the the I don't know how to explain it.\n\nChannel 0: You are on the right path, though. Like, you your the concept is definitely there. And,\n\nChannel 1: But\n\nChannel 0: you know, if if we do think typically between a high growth and growth, obviously, the focus still to maximize growth into your preannuation while you do have, you know, plenty of time until you do retire. And in both scenarios, you are, you know, prepared to experience a level of fluctuation in order to kind of grow your super long term. The difference between them typically is that in a high growth portfolio, that is how you are currently invested, we see about 90% of the funds invested in growth assets. So that will be things like Australian shares, international shares, property, and commodity. And that is what's going to maximize those return for you and only about 10% in your defensive investment.\n\nSo that will be, like, your cash, your gold, your fixed interest, for example. So they're in the fluctuations a little bit. Now\n\nChannel 1: Yep.\n\nChannel 0: in a growth portfolio, it's about a 10% difference. So you have 80% in your growth and 20 in defensive. Typically,\n\nChannel 1: Yep.\n\nChannel 0: in a high growth, you would see higher fluctuations short term, but long term, you can see higher returns as as a result. Growth, obviously, you see slightly less fluctuations, but you can obviously have a little bit less growth in the returns as well. Looking at a time frame point of view, so making sure that you have enough time in the market for those fluctuations. In a high growth, we wanna allow a minimum of eight years until retirement to make sure you have enough time in the market. Growth, we say minimum six years.\n\nHow do you feel at the moment? Do you feel that you are comfortable taking on a little bit more high growth to get that growth long term? Are you feeling a little bit more risk advanced? Would you like to change it? What do you think?\n\nChannel 1: Usually, I'm happy to go with the high growth, but I'm not sure about this upcoming year.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: It's\n\nChannel 1: I'm not\n\nChannel 0: ultimately,\n\nChannel 1: I'm not an expert.\n\nChannel 0: up yeah. Ultimately, it's kind of up through what you are comfortable with. So from a time frame point of view, you do have plenty of time until retirement. So we typically see, you know, a lot of clients in your age around a high growth, if not even more, because you have the time. But at the same time, you also then play in with your risk tolerance.\n\nBut if you see a lot of fluctuations and if you have, you know, a year or so where it is down, if that's going to make you quite concerned, we could look at changing up. The only thing is by changing it, it will mean that, obviously, you would sell down some investments, so that can be a little bit of capital gains tax. With it, we obviously try to minimize that by looking at swapping a few things out to minimize it, and it is more of your your long term investment. So, typically, if we are decreasing it, which we're more than happy to do if you are comp if you would prefer, It is something that you ideally want to leave for a longer period of time. So it's not typically something you want to do each year.\n\nYou wanna unless you you get to a point where you are getting close to retirement, then we do wanna, you know, gradually take it down the rest.\n\nChannel 1: I'll just keep it as it is then.\n\nChannel 0: Yeah? Are you sure?\n\nChannel 1: Yeah. Yeah. I\n\nChannel 0: Okay.\n\nChannel 1: to be honest, I didn't need to look at my thing properly, so it doesn't stress\n\nChannel 0: Yeah.\n\nChannel 1: me out.\n\nChannel 0: Okay. Perfect. And kind of like we touched on already as well that, you know, in a high growth portfolio, typically, the likelihood of a negative return, now that is obviously you don't know what's going to happen in the world, or the market, we see about one in every five years. So during, obviously, their investing period, there's going to be times like now, for example, where we've seen a lot more changes, and things aren't obviously growing as much. But then with how your investments are invested as well, it will grow long term.\n\nNow if we obviously see that there are some of those investments that need to be structurally changed, then we can still do so. And I do wanna kind of go through the investments a little bit with you, and there is one that I'm would like to swap out for you if you're happy to do so. But,\n\nChannel 1: Yep.\n\nChannel 0: otherwise, we'll leave high growth for now. Now if you wanna obviously revisit that at any point in time, if you don't feel comfortable, just give me a call or we can kind of reassess it at next under review. So given the time frame you have for the fluctuations, it's it's a suitable portfolio as long as, yeah, you are kind of comfortable with that.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now are you still driving, or do you have access to your emails?\n\nChannel 1: Driving at the moment. I can't\n\nChannel 0: Okay.\n\nChannel 1: pull over. I need to.\n\nChannel 0: No. It's up to you. I have sent you an email with some documents. I quickly wanna run through it with you. The only reason I do ask if you have access to your emails is that it makes it a bit more interactive for you.\n\nBut if you are happy for me to just kind of run through the documents while you're driving, then I'm happy to do so. And then when you you know, it's obviously safe for you to do so. And when you have some time, you can just have a look over them. And then if you have any questions, you can always give me a callback.\n\nChannel 1: Okay. Yeah. That should be fine.\n\nChannel 0: Yeah. Yeah. Okay. Perfect. So have a look through your emails when you have a moment.\n\nNow we have just changed our software. So it's going to look a little bit different through the DocuSign that you are used through. It's still kind of the same, though, with the digital signature, but it will look a little bit different. So when you do get the email, before you click on the link, there are a couple of attachments. So these are all the attachments, just for your reference that you don't need to sign, but it's all there so you can have a look at it.\n\nSo when you do have a look at it, you will see, the first one, which is your Vanguard index chart. Now you probably would have seen this last time, at your under review. It's a bit of an updated one, but it is\n\nChannel 1: Yep.\n\nChannel 0: a good one to to kind of give you a good visual representation of what we are talking about when we're talking about the market. Especially in kind of today's environment as well, it is good to kind of see that more long term picture. So when you do have a look at it, you will see that it goes back to 1995 and then all the ups and downs that's happened in the world since then until 2025. Now\n\nChannel 1: Yep.\n\nChannel 0: it also breaks down the different asset classes. So it breaks down your US shares, Australian shares, international shares, and property. Now these top four are your growth investments, like I mentioned earlier. And then you have your bottom three, which are your defensive. And when you do have a look at it, you will see that the the growth investments, these are the ones that have grown, significantly the most, but they also fluctuate the most in the short term.\n\nNow when you do have a look at it as well is that when you when you look at it, you will see that the biggest drops in the market are quite closely followed by big increases again. Typically speaking\n\nChannel 1: Yep.\n\nChannel 0: as well, obviously, we don't wanna sell out unless there is structural issues or we don't foresee anything coming back around. You wanna obviously avoid sometimes selling at the bottom because that's when you only crystallize the losses while you're selling at the bottom, and sometimes that's even a good buying opportunity for potentially buying a little bit cheaper as long as you obviously foresee that to come back around. So\n\nChannel 1: Yep.\n\nChannel 0: that Vandex index chart, it just kind of gives you a good visualization of that, essentially,\n\nChannel 1: Yep.\n\nChannel 0: Which then takes us through your portfolio. So part of it as well, you will see a twelve month report. Now this one here shows you all your all your investments, how they have performed over the last twelve months. Now everything is net of fees. So like I said, obviously, there's been a lot of fluctuations in the market over the last twelve months.\n\nSo after after all fees have come out of your account, your portfolio and now this doesn't include contributions. That is just your investment. It has gone up by about 0.24%. So it's still gone up a little bit. Obviously, there has been a lot of fluctuations in the market like I mentioned.\n\nBut one of the investments in your portfolio, which is the one that kind of underperformed the most, I would like to look at changing if you are happy to do so. So that is your Benelong Australian equity. So when you have a look at that, it's your top managed fund option when you look at this report. So it might look a little bit messy, but it's the Benelon\n\nChannel 1: Yes.\n\nChannel 0: Australian equity one. Now the reason is that when we originally added this to your portfolio when you came on board, it was doing really, really well. It was one of the top performing fund managers at the time, and they have done really well. Now the purpose of that investment was to try to investment in order\n\nChannel 1: Yep.\n\nChannel 0: to tryna outperform the market, which they had done really, really well at. But more recently, some of their, choices in the investments haven't performed as well. They've been a little bit slower with making changes as well. And, also, one of the other reasons why, that investment kind of underperformed a little bit was that one of the, kind of underperformed a little bit was that one of the companies that they had in their portfolio was the Corporate Travel Group. I'm not sure if you've heard of it.\n\nIt was on the news and stuff like that as well.\n\nChannel 1: What was the cold, sir?\n\nChannel 0: Corporate Travel Group.\n\nChannel 1: Not everything, sir.\n\nChannel 0: No. Essentially, it was a company where they weren't really disclosing their reporting correctly. So because\n\nChannel 1: Yep.\n\nChannel 0: of that, it actually caused a suspense from trading. And kind of because of that, obviously, the the investments fell. Now we've\n\nChannel 1: Yep. Yep.\n\nChannel 0: done a lot of investments on all your investments, and some of them are more your cyclical changes Where it's, for example, the beta share cybersecurity, which is one of your satellite investments, it's more of what is going on in the world. We still very much believe in that investment, so we then don't wanna sell out of those. But the Benelong one, we do see that because they're a bit of it slower in making those changes, and because it has that active component, they are a little bit more expensive. So the investment committee\n\nChannel 1: Yep.\n\nChannel 0: have done extensive research on all the investments and kind of come to the decision as well that we would like to swap it out because we don't foresee kind of increasing as much or be the best option moving forward. So\n\nChannel 1: Yep.\n\nChannel 0: because you are obviously selling out of an Australian investment, we have come up with another investment option to change it for, which is your a 200. So, again, it is including your Australian investment, but it is a little bit more simplified in that you are not actively trying to buy and sell investments. And instead, you're kind of tracking the 200 largest companies on the ASX or in Australia. So as a company\n\nChannel 1: Yep.\n\nChannel 0: kind of grows, they get included on it. As a company doesn't grow, don't do as well, it kind of falls off. So it's kind of a little bit more steady while still having the growth. And because of that, it is actually making the investments a little bit cheaper, and it has also performed a little bit better.\n\nChannel 1: Yep.\n\nChannel 0: Are you happy for us to go and make that change for you?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. So what I will do just for your record so that you have it, I will get the team to email you. It's called a record of advice. You don't have to sign it.\n\nIt's just for your records to indicate the the swap by Benelung Australian Equity to the a 200 just so you have it for your record.\n\nChannel 1: Yep.\n\nChannel 0: And we'll go ahead and make that change. Now, otherwise, when it comes through the documents, so almost finished, you will have a super insurance summary. That one basically shows you your current superannuation balance. So at the moment, it's at 137,701. And then you also have your Clearview insurances.\n\nSo you have life and total permanent disability. Now that is 1,575,075 worth of that.\n\nChannel 1: Yep.\n\nChannel 0: And then you also have your income protection. Now your income protection is paying 6,000 sorry. My computer just froze for a moment. Just bear with me. Always like that with technology, isn't it?\n\nChannel 1: Yep.\n\nChannel 0: It's always when it doesn't work, and it's I think IT is doing something, but let me just try to get\n\nChannel 1: I'm\n\nChannel 0: that\n\nChannel 1: in for\n\nChannel 0: up\n\nChannel 1: my all\n\nChannel 0: for\n\nChannel 1: the time.\n\nChannel 0: you. It's great when it works, but when it\n\nChannel 1: Yeah.\n\nChannel 0: has its moments, it's let me just try to close it down for you. Now while I wait for this to come back up, obviously, if you are expecting a bit of a a pay rise, there is a chance that, obviously, your income protection will be slightly underinsured. So, obviously because you can have up to 70% of your income covered. Would you like to look at increasing it, or are you still feel like the amount you are covered for will still kind of cover cover you? Because if we do increase it, it will get more expensive because you are covered for more, And we have to go through kind of the underwriting process again.\n\nBut if you feel like it is slightly less at the moment and you want more, we can go down that path as well. It is up to you.\n\nChannel 1: Yep. I think I'm gonna leave it the same for now.\n\nChannel 0: Yep. And if it changes, obviously, when you do find out the pay rise, if it's kind of more than expected or if at any point in time you do change your mind, just give me a call again, and we can always run through it with you.\n\nChannel 1: Yep.\n\nChannel 0: Now my computer is still not really working, so I can't see the documents, but you will get email them, and you can have a look at it. And that basically just breaks down your income protection. It also shows you the total premium for all of them. And you don't pay for them out of pocket. It's all through your superannuation.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now some other documents you will see, you will see just an updated financial services guide for you. It's one of those compliance documents. It's just a bit of an updated version. We've had some changes to our marketing, which is great, and also a bit of an extension to the team.\n\nSo if you wanna have a read over, those two, it's all in there for you. Again, just if you want to, but all the important information about us is in there. If you do have a read over it, I'm also there on page 10, I believe, in the big document if you do wanna put a face to the voice.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And the last thing is that when you then click on the link, it will just be asking you to sign through documents. Now that is your ongoing service agreement, which is just to say that you are happy to stay on as a client, and we can keep servicing you. But as with any time, it is not a lock in contract. So if at any point in time you are not happy, there is no lock in contract.\n\nBut, otherwise, this essentially just lets us service you make these changes and everything for you, otherwise.\n\nChannel 1: Yep.\n\nChannel 0: And then and then the last thing is just a tax file number. It's just a compliance document, basically, to say that we do keep your tax file number secure on file. And that was essentially all those documents. Do you have any other questions for me, Adam?\n\nChannel 1: No questions.\n\nChannel 0: No? Perfect. There is one thing I do wanted to quickly check with you is\n\nChannel 1: Yep.\n\nChannel 0: that I know you've been speaking to my colleague, Jack, in regards to potentially do you know what that's about?\n\nChannel 1: Yeah.\n\nChannel 0: Do you want to go down that and having a look at getting that back exclusion removed, or what are you what are you feeling?\n\nChannel 1: Not at the moment.\n\nChannel 0: No? Okay. Just let me know if it does take I know it's a a tedious thing sometimes, and the insurer can be a bit particular with these things. They are obviously assessing risk. So it is a bit tedious to do If it is that we can get a back exclusion removed, it is always something I do strongly suggest because if something ever were to happen to you and you do have the back exclusion and you don't get covered, especially if there is a situation where you don't have any issues and you could be covered.\n\nSo have\n\nChannel 1: Yep.\n\nChannel 0: a think about it. And if it is something you want to look\n\nChannel 1: I\n\nChannel 0: at\n\nChannel 1: did\n\nChannel 0: again,\n\nChannel 1: start\n\nChannel 0: I\n\nChannel 1: working on it, but I've\n\nChannel 0: yeah.\n\nChannel 1: got it written down in my notes all the questions they asked, and I\n\nChannel 0: Yeah.\n\nChannel 1: started\n\nChannel 0: Because\n\nChannel 1: answering it, but I just haven't finished it.\n\nChannel 0: that's okay.\n\nChannel 1: And\n\nChannel 0: Because what\n\nChannel 1: very\n\nChannel 0: I can\n\nChannel 1: lazy.\n\nChannel 0: do otherwise yes. What I can do otherwise to make it easier for you, if you're happy, I can just quickly transfer you to Jack, and he can read you the questions and you can just verbalize them.\n\nChannel 1: Uh-huh.\n\nChannel 0: And then he can\n\nChannel 1: Uh-huh.\n\nChannel 0: just send it out to Sam. Or\n\nChannel 1: It's\n\nChannel 0: do\n\nChannel 1: not\n\nChannel 0: you\n\nChannel 1: that\n\nChannel 0: prefer\n\nChannel 1: easy.\n\nChannel 0: to do okay. Okay.\n\nChannel 1: It doesn't\n\nChannel 0: No.\n\nChannel 1: happen\n\nChannel 0: That's\n\nChannel 1: a long\n\nChannel 0: okay.\n\nChannel 1: time ago, and I scheduled it all\n\nChannel 0: Okay.\n\nChannel 1: day now.\n\nChannel 0: No. That's\n\nChannel 1: It's transcript\n\nChannel 0: fine. Take your\n\nChannel 1: stuff.\n\nChannel 0: yeah. Especially sometimes going back a long time can be can be hard to remember. So I will leave\n\nChannel 1: Yeah.\n\nChannel 0: it with you then. If it changes or do you want Jack to resend you the questions or anything, or you have it? It's just a matter of a processing\n\nChannel 1: Yeah.\n\nChannel 0: thing.\n\nChannel 1: I haven't forgotten about it. It's just time and\n\nChannel 0: Yeah.\n\nChannel 1: energy.\n\nChannel 0: Yeah. Yeah. That's okay. Especially with insurance, it\n\nChannel 1: But\n\nChannel 0: can be like that. So I will leave it with you.\n\nChannel 1: yeah.\n\nChannel 0: If you do have time, you wanna do it, just have a look through those questions and send it back to Jack, and then we can get that off to Clearview to look at getting that\n\nChannel 1: Yep.\n\nChannel 0: removed. But, obviously, do it do it in your own time. And then the last thing is just that ID we have on file has expired. So have you recently received, like, a new driver's license or anything? Yep.\n\nCool. So what I'll get might get\n\nChannel 1: Yeah.\n\nChannel 0: you to do is I'll actually get the team to send you an email. That way, to make it easy, if you can just respond when you have a moment just with a photo of the front and the back of the license, and we can just update that record for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Do you have any other questions for me, Adam, before I let you go?\n\nChannel 1: No.\n\nChannel 0: No? Okay. Perfect. So like I said, when you have a moment, have a look through the documents. Any questions, let me know.\n\nOtherwise,\n\nChannel 1: Yep.\n\nChannel 0: we just need you to sign those documents. I'll it'll get notified, and it'll come back to me, and I'll get that all authorized for you. And, also, keep a look at of that ROA just to for your reference to say that we have made that investment change for the Benelung investment for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Not a problem.\n\nChannel 0: Perfect. Well, thank you so much for your time today, Adam. Hopefully, you have a lovely rest of your day. And if there's anything else that you do need, don't hesitate to give me a call.\n\nChannel 1: Not a problem. Thank you.\n\nChannel 0: No problem at all. We'll speak soon.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.4399998,"end":4.24,"sentiment":"neutral","sentiment_score":0.22718387842178345},{"text":"This is Adam.","start":4.24,"end":5.06,"sentiment":"neutral","sentiment_score":0.19904403885205588},{"text":"This is Veronica from OC Financial.","start":6.8799996,"end":9.059999,"sentiment":"neutral","sentiment_score":0.17714059601227441},{"text":"How are you this afternoon?","start":9.12,"end":10.34,"sentiment":"neutral","sentiment_score":0.13790005147457124}],"sentiment":"neutral","sentiment_score":0.17524023167788982,"channel":0,"num_words":16,"start":3.4399998,"end":10.34},{"sentences":[{"text":"Yep.","start":10.4,"end":10.88,"sentiment":"neutral","sentiment_score":0.10941553115844728},{"text":"Yes.","start":10.88,"end":11.04,"sentiment":"neutral","sentiment_score":0.20378991961479187},{"text":"Good.","start":11.04,"end":11.28,"sentiment":"positive","sentiment_score":0.4572436809539795},{"text":"Thank you.","start":11.28,"end":11.679999,"sentiment":"positive","sentiment_score":0.5343301892280579},{"text":"Yourself?","start":11.679999,"end":12.179999,"sentiment":"neutral","sentiment_score":0.2589702606201172}],"sentiment":"positive","sentiment_score":0.34967996180057526,"channel":1,"num_words":6,"start":10.4,"end":12.179999},{"sentences":[{"text":"Not good.","start":12.975,"end":13.615,"sentiment":"neutral","sentiment_score":-0.08981551602482796},{"text":"I'm well as well.","start":13.615,"end":15.075001,"sentiment":"neutral","sentiment_score":0.15786346793174744},{"text":"I had you booked in to complete your under review.","start":16.095001,"end":18.735,"sentiment":"neutral","sentiment_score":0.19534555077552795},{"text":"Is now still a good time for you?","start":18.735,"end":20.355,"sentiment":"neutral","sentiment_score":0.18885601498186588}],"sentiment":"neutral","sentiment_score":0.16317193613698086,"channel":0,"num_words":24,"start":12.975,"end":20.355},{"sentences":[{"text":"Yep.","start":20.835,"end":21.335,"sentiment":"neutral","sentiment_score":0.08175234496593475}],"sentiment":"neutral","sentiment_score":0.08175234496593475,"channel":1,"num_words":1,"start":20.835,"end":21.335},{"sentences":[{"text":"Yep.","start":21.775002,"end":22.275002,"sentiment":"neutral","sentiment_score":0.12795524299144745},{"text":"Perfect.","start":22.494999,"end":22.994999,"sentiment":"positive","sentiment_score":0.3385928273200989},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":23.615,"end":30.77,"sentiment":"neutral","sentiment_score":0.05953913695853332}],"sentiment":"neutral","sentiment_score":0.07074784006803267,"channel":0,"num_words":31,"start":21.775002,"end":30.77},{"sentences":[{"text":"Yep.","start":31.369999,"end":31.869999,"sentiment":"neutral","sentiment_score":0.06047729402780533}],"sentiment":"neutral","sentiment_score":0.06047729402780533,"channel":1,"num_words":1,"start":31.369999,"end":31.869999},{"sentences":[{"text":"Yep.","start":32.190002,"end":32.67,"sentiment":"neutral","sentiment_score":0.08685403317213058},{"text":"Perfect.","start":32.67,"end":33.17,"sentiment":"neutral","sentiment_score":0.2093237042427063},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address","start":33.23,"end":39.795,"sentiment":"neutral","sentiment_score":0.06908059103981308}],"sentiment":"neutral","sentiment_score":0.07540125325322151,"channel":0,"num_words":25,"start":32.190002,"end":39.795},{"sentences":[{"text":"Yep.","start":41.485,"end":41.805,"sentiment":"neutral","sentiment_score":0.044535137712955475},{"text":"Adam Goodyear.","start":41.805,"end":43.025,"sentiment":"neutral","sentiment_score":0.035006534308195114},{"text":"1992.","start":43.805,"end":46.225002,"sentiment":"neutral","sentiment_score":0.022993627935647964}],"sentiment":"neutral","sentiment_score":0.03438545856624842,"channel":1,"num_words":4,"start":41.485,"end":46.225002},{"sentences":[{"text":"for","start":45.875,"end":46.375,"sentiment":"neutral","sentiment_score":0.012572206556797028}],"sentiment":"neutral","sentiment_score":0.012572206556797028,"channel":0,"num_words":1,"start":45.875,"end":46.375},{"sentences":[{"text":"8","start":46.925,"end":47.245003,"sentiment":"neutral","sentiment_score":0.016805415973067284}],"sentiment":"neutral","sentiment_score":0.016805415973067284,"channel":1,"num_words":1,"start":46.925,"end":47.245003},{"sentences":[{"text":"me,","start":46.995,"end":47.495,"sentiment":"neutral","sentiment_score":0.0178522951900959}],"sentiment":"neutral","sentiment_score":0.0178522951900959,"channel":0,"num_words":1,"start":46.995,"end":47.495},{"sentences":[{"text":"Mobile Street, Gables","start":47.245003,"end":48.465,"sentiment":"neutral","sentiment_score":0.026975248008966446}],"sentiment":"neutral","sentiment_score":0.026975248008966446,"channel":1,"num_words":3,"start":47.245003,"end":48.465},{"sentences":[{"text":"please?","start":48.114998,"end":48.614998,"sentiment":"neutral","sentiment_score":0.03115326724946499}],"sentiment":"neutral","sentiment_score":0.03115326724946499,"channel":0,"num_words":1,"start":48.114998,"end":48.614998},{"sentences":[{"text":"27","start":48.845,"end":49.405,"sentiment":"neutral","sentiment_score":0.01648801565170288}],"sentiment":"neutral","sentiment_score":0.01648801565170288,"channel":1,"num_words":1,"start":48.845,"end":49.405},{"sentences":[{"text":"Yep.","start":49.234997,"end":49.734997,"sentiment":"neutral","sentiment_score":0.01730295456945896}],"sentiment":"neutral","sentiment_score":0.01730295456945896,"channel":0,"num_words":1,"start":49.234997,"end":49.734997},{"sentences":[{"text":"65.","start":49.405,"end":50.225,"sentiment":"neutral","sentiment_score":0.033431608229875565}],"sentiment":"neutral","sentiment_score":0.033431608229875565,"channel":1,"num_words":1,"start":49.405,"end":50.225},{"sentences":[{"text":"Yep.","start":50.594997,"end":51.074997,"sentiment":"neutral","sentiment_score":0.08563622832298279},{"text":"Perfect.","start":51.074997,"end":51.475,"sentiment":"positive","sentiment_score":0.3643489480018616},{"text":"That's exactly what I have here.","start":51.475,"end":52.914997,"sentiment":"positive","sentiment_score":0.41403648257255554},{"text":"And how's your day been so far?","start":52.914997,"end":54.434998,"sentiment":"neutral","sentiment_score":0.08138180577329227},{"text":"Been busy?","start":54.434998,"end":55.254997,"sentiment":"neutral","sentiment_score":-0.03703628201037645}],"sentiment":"neutral","sentiment_score":0.20175318518543944,"channel":0,"num_words":17,"start":50.594997,"end":55.254997},{"sentences":[{"text":"It's been pretty crazy.","start":56.510002,"end":57.73,"sentiment":"neutral","sentiment_score":-0.059812700375914574},{"text":"Good.","start":57.87,"end":58.37,"sentiment":"neutral","sentiment_score":0.2657822370529175}],"sentiment":"neutral","sentiment_score":0.0053062871098518375,"channel":1,"num_words":5,"start":56.510002,"end":58.37},{"sentences":[{"text":"Oh, that's that's nice.","start":58.2,"end":60.059998,"sentiment":"positive","sentiment_score":0.44097860157489777},{"text":"Now just before I do kind of jump in through that interview, I do like to start by asking if there is anything specific that you are hoping to get out of this review today or any areas you would like to kind of go through in a bit more detail or whether it's just just a bit of a catch up to see kind of what's happened in the last twelve months?","start":61.8,"end":79.205,"sentiment":"neutral","sentiment_score":0.004517395381037503}],"sentiment":"neutral","sentiment_score":0.02719070479370557,"channel":0,"num_words":77,"start":58.2,"end":79.205},{"sentences":[{"text":"Nothing comes to mind.","start":81.345,"end":82.565,"sentiment":"neutral","sentiment_score":0.0009763422422111034}],"sentiment":"neutral","sentiment_score":0.0009763422422111034,"channel":1,"num_words":4,"start":81.345,"end":82.565},{"sentences":[{"text":"No no problem.","start":83.04,"end":84.32,"sentiment":"neutral","sentiment_score":0.06559399267037709},{"text":"And how's the last twelve months kind of been for you?","start":84.32,"end":87.200005,"sentiment":"neutral","sentiment_score":0.016177091578190975},{"text":"Any any changes or anything to your circumstances?","start":87.200005,"end":90.58,"sentiment":"neutral","sentiment_score":-0.011910971836186945}],"sentiment":"neutral","sentiment_score":0.012701918667351658,"channel":0,"num_words":22,"start":83.04,"end":90.58},{"sentences":[{"text":"Not really.","start":92.61,"end":93.35,"sentiment":"neutral","sentiment_score":-0.07313852570950985}],"sentiment":"neutral","sentiment_score":-0.07313852570950985,"channel":1,"num_words":2,"start":92.61,"end":93.35},{"sentences":[{"text":"Nope?","start":93.855,"end":94.335,"sentiment":"neutral","sentiment_score":-0.0578099861741066},{"text":"Okay.","start":94.335,"end":94.835,"sentiment":"neutral","sentiment_score":-0.07518626749515533}],"sentiment":"neutral","sentiment_score":-0.06649812683463097,"channel":0,"num_words":2,"start":93.855,"end":94.835},{"sentences":[{"text":"I don't think so.","start":94.77,"end":95.829994,"sentiment":"neutral","sentiment_score":-0.09356509149074554}],"sentiment":"neutral","sentiment_score":-0.09356509149074554,"channel":1,"num_words":4,"start":94.77,"end":95.829994},{"sentences":[{"text":"No.","start":96.335,"end":96.655,"sentiment":"neutral","sentiment_score":-0.10694824159145357},{"text":"That's okay.","start":96.655,"end":97.295,"sentiment":"neutral","sentiment_score":-0.057628996670246124},{"text":"Sometimes it's hard to remember as well.","start":97.295,"end":99.395004,"sentiment":"neutral","sentiment_score":-0.1154612632734435},{"text":"What I will do, though, is I will just quickly run through a bit of a fact line just to see if there is anything that has changed that might need us to make any changes to your advice.","start":100.095,"end":110.75,"sentiment":"neutral","sentiment_score":-0.029502524588352595},{"text":"So bear with me as I","start":111.21,"end":112.25,"sentiment":"neutral","sentiment_score":-0.014050882309675217}],"sentiment":"neutral","sentiment_score":-0.041187978739088235,"channel":0,"num_words":55,"start":96.335,"end":112.25},{"sentences":[{"text":"Yep.","start":112.17,"end":112.67,"sentiment":"neutral","sentiment_score":0.0008741393685340881}],"sentiment":"neutral","sentiment_score":0.0008741393685340881,"channel":1,"num_words":1,"start":112.17,"end":112.67},{"sentences":[{"text":"go through this, and I'll try to go through it as quickly as I can for you.","start":112.25,"end":116.19,"sentiment":"neutral","sentiment_score":0.031701746889773535},{"text":"Now with your personal information, I have you down here as married with true financial dependent.","start":117.69,"end":123.994995,"sentiment":"neutral","sentiment_score":-0.01053037354722619},{"text":"Is that still the case?","start":123.994995,"end":125.215,"sentiment":"neutral","sentiment_score":-0.008735547214746476}],"sentiment":"neutral","sentiment_score":0.008599104849915756,"channel":0,"num_words":38,"start":112.25,"end":125.215},{"sentences":[{"text":"Yep.","start":125.784996,"end":126.284996,"sentiment":"neutral","sentiment_score":0.03755981847643852}],"sentiment":"neutral","sentiment_score":0.03755981847643852,"channel":1,"num_words":1,"start":125.784996,"end":126.284996},{"sentences":[{"text":"Yep.","start":126.634995,"end":127.115,"sentiment":"neutral","sentiment_score":0.0655040442943573},{"text":"Perfect.","start":127.115,"end":127.615,"sentiment":"neutral","sentiment_score":0.1966198980808258},{"text":"And I do have here next of Ken, Elizabeth.","start":127.674995,"end":130.655,"sentiment":"neutral","sentiment_score":0.08236035207907359}],"sentiment":"neutral","sentiment_score":0.09121519191698595,"channel":0,"num_words":11,"start":126.634995,"end":130.655},{"sentences":[{"text":"Yep.","start":131.705,"end":132.205,"sentiment":"neutral","sentiment_score":0.032962605357170105}],"sentiment":"neutral","sentiment_score":0.032962605357170105,"channel":1,"num_words":1,"start":131.705,"end":132.205},{"sentences":[{"text":"Yep.","start":132.555,"end":132.955,"sentiment":"neutral","sentiment_score":0.1990463137626648},{"text":"Perfect.","start":132.955,"end":133.435,"sentiment":"positive","sentiment_score":0.6070317029953003},{"text":"I have phone number ending in 135.","start":133.435,"end":136.33499,"sentiment":"neutral","sentiment_score":0.2035750448703766},{"text":"Is that still the case?","start":136.47499,"end":137.855,"sentiment":"neutral","sentiment_score":0.17189098596572877},{"text":"Perfect.","start":138.03,"end":138.53,"sentiment":"positive","sentiment_score":0.4475670456886291}],"sentiment":"neutral","sentiment_score":0.23587502042452493,"channel":0,"num_words":15,"start":132.555,"end":138.53},{"sentences":[{"text":"Yep.","start":138.425,"end":138.84,"sentiment":"neutral","sentiment_score":0.13481926918029785}],"sentiment":"neutral","sentiment_score":0.13481926918029785,"channel":1,"num_words":1,"start":138.425,"end":138.84},{"sentences":[{"text":"Now when it comes to your employment, has any of that changed in the last twelve months?","start":139.31,"end":145.56999,"sentiment":"neutral","sentiment_score":0.04160107989959857}],"sentiment":"neutral","sentiment_score":0.04160107989959857,"channel":0,"num_words":17,"start":139.31,"end":145.56999},{"sentences":[{"text":"Cell company.","start":146.51999,"end":147.34,"sentiment":"neutral","sentiment_score":0.008913510479032993}],"sentiment":"neutral","sentiment_score":0.008913510479032993,"channel":1,"num_words":2,"start":146.51999,"end":147.34},{"sentences":[{"text":"Same cop still doing the site supervisor plumbing?","start":147.70999,"end":151.89,"sentiment":"neutral","sentiment_score":0.019807719974778593}],"sentiment":"neutral","sentiment_score":0.019807719974778593,"channel":0,"num_words":8,"start":147.70999,"end":151.89},{"sentences":[{"text":"Yep.","start":152.72499,"end":153.22499,"sentiment":"neutral","sentiment_score":0.05507495254278183}],"sentiment":"neutral","sentiment_score":0.05507495254278183,"channel":1,"num_words":1,"start":152.72499,"end":153.22499},{"sentences":[{"text":"Yeah.","start":153.305,"end":153.625,"sentiment":"neutral","sentiment_score":0.1353821158409119},{"text":"Perfect.","start":153.625,"end":154.125,"sentiment":"neutral","sentiment_score":0.3268093466758728},{"text":"Now I do have here income of around 134,956.","start":155.145,"end":162.045,"sentiment":"neutral","sentiment_score":0.10451334300968382},{"text":"Is that still the case, or do you know if that's changed?","start":162.825,"end":165.645,"sentiment":"neutral","sentiment_score":0.03415970007578532}],"sentiment":"neutral","sentiment_score":0.0788142587179723,"channel":0,"num_words":23,"start":153.305,"end":165.645},{"sentences":[{"text":"For now.","start":166.18,"end":166.81999,"sentiment":"neutral","sentiment_score":0.023229939863085747},{"text":"I'll be getting a payroll April.","start":166.81999,"end":169.08,"sentiment":"neutral","sentiment_score":0.057640442003806434}],"sentiment":"neutral","sentiment_score":0.04903781646862626,"channel":1,"num_words":8,"start":166.18,"end":169.08},{"sentences":[{"text":"Oh, nice.","start":169.74,"end":170.22,"sentiment":"neutral","sentiment_score":0.1524236872792244},{"text":"Do you know what it's changing to?","start":170.22,"end":172.95999,"sentiment":"neutral","sentiment_score":0.01750516572168895}],"sentiment":"neutral","sentiment_score":0.04748705940114127,"channel":0,"num_words":9,"start":169.74,"end":172.95999},{"sentences":[{"text":"No.","start":174.98,"end":175.14,"sentiment":"neutral","sentiment_score":-0.1038091480731964},{"text":"I'd have to look it up.","start":175.14,"end":176.385,"sentiment":"neutral","sentiment_score":-0.0786312868197759}],"sentiment":"neutral","sentiment_score":-0.08222812414169312,"channel":1,"num_words":7,"start":174.98,"end":176.385},{"sentences":[{"text":"Yeah.","start":176.62,"end":176.94,"sentiment":"neutral","sentiment_score":-0.016587473452091217},{"text":"No.","start":176.94,"end":177.18,"sentiment":"neutral","sentiment_score":-0.04950018227100372},{"text":"That's okay.","start":177.18,"end":177.92,"sentiment":"neutral","sentiment_score":-0.006012858240865172},{"text":"But for now, it's still that 134?","start":178.22,"end":180.8,"sentiment":"neutral","sentiment_score":-0.0095698962021353}],"sentiment":"neutral","sentiment_score":-0.013191149601797488,"channel":0,"num_words":11,"start":176.62,"end":180.8},{"sentences":[{"text":"Yep.","start":181.42499,"end":181.92499,"sentiment":"neutral","sentiment_score":0.05100331827998161}],"sentiment":"neutral","sentiment_score":0.05100331827998161,"channel":1,"num_words":1,"start":181.42499,"end":181.92499},{"sentences":[{"text":"Yep.","start":182.185,"end":182.685,"sentiment":"neutral","sentiment_score":0.11107536405324936},{"text":"Perfect.","start":182.745,"end":183.245,"sentiment":"neutral","sentiment_score":0.275565505027771},{"text":"Now when it comes to bills and expenses, I have here that most most of the income goes through bills and stuff.","start":184.50499,"end":193.065,"sentiment":"neutral","sentiment_score":0.012001218697564169},{"text":"You aren't really saving anything on a regular basis.","start":193.065,"end":195.805,"sentiment":"neutral","sentiment_score":-0.10268484552701314}],"sentiment":"neutral","sentiment_score":-0.008287755433808674,"channel":0,"num_words":33,"start":182.185,"end":195.805},{"sentences":[{"text":"Try to.","start":198.46,"end":199.26001,"sentiment":"neutral","sentiment_score":-0.03319125436246395},{"text":"But","start":199.26001,"end":199.76001,"sentiment":"neutral","sentiment_score":-0.01115044206380844}],"sentiment":"neutral","sentiment_score":-0.02584431692957878,"channel":1,"num_words":3,"start":198.46,"end":199.76001},{"sentences":[{"text":"Yeah.","start":200.12,"end":200.52,"sentiment":"neutral","sentiment_score":-0.013561725616455078},{"text":"How much do you guys, I guess, on average, try to put aside?","start":200.52,"end":204.78,"sentiment":"neutral","sentiment_score":-0.02054897939356474},{"text":"Obviously, obviously, it depends on bills and expenses and everything, but if you were to say an average.","start":205.0,"end":210.78,"sentiment":"neutral","sentiment_score":-0.06863085532353984}],"sentiment":"neutral","sentiment_score":-0.047376682923641056,"channel":0,"num_words":32,"start":200.12,"end":210.78},{"sentences":[{"text":"As much as we can, but it's not really much to be honest.","start":211.21501,"end":215.235,"sentiment":"neutral","sentiment_score":-0.10429291942944893}],"sentiment":"neutral","sentiment_score":-0.10429291942944893,"channel":1,"num_words":13,"start":211.21501,"end":215.235},{"sentences":[{"text":"Yep.","start":215.605,"end":216.005,"sentiment":"neutral","sentiment_score":0.021114950999617577},{"text":"No.","start":216.005,"end":216.245,"sentiment":"neutral","sentiment_score":-0.03478348255157471},{"text":"That's okay.","start":216.245,"end":217.145,"sentiment":"neutral","sentiment_score":0.00482373870909214},{"text":"And your employer, they still pay you just that 12% employer contribution?","start":217.925,"end":222.425,"sentiment":"neutral","sentiment_score":-0.013331864184389511}],"sentiment":"neutral","sentiment_score":-0.010250214021652937,"channel":0,"num_words":16,"start":215.605,"end":222.425},{"sentences":[{"text":"I would have to check, but I agree.","start":224.01999,"end":226.01999,"sentiment":"neutral","sentiment_score":-0.016471552196890116}],"sentiment":"neutral","sentiment_score":-0.016471552196890116,"channel":1,"num_words":8,"start":224.01999,"end":226.01999},{"sentences":[{"text":"Yes.","start":225.78,"end":226.28,"sentiment":"neutral","sentiment_score":0.034035779535770416}],"sentiment":"neutral","sentiment_score":0.034035779535770416,"channel":0,"num_words":1,"start":225.78,"end":226.28},{"sentences":[{"text":"I think it might be the same.","start":226.01999,"end":227.56,"sentiment":"neutral","sentiment_score":0.016907632084829465}],"sentiment":"neutral","sentiment_score":0.016907632084829465,"channel":1,"num_words":7,"start":226.01999,"end":227.56},{"sentences":[{"text":"Yeah.","start":227.78,"end":228.1,"sentiment":"neutral","sentiment_score":0.06792771071195602},{"text":"Perfect.","start":228.1,"end":228.5,"sentiment":"neutral","sentiment_score":0.12794660031795502},{"text":"So just kind of like you don't have an enterprise login agreement","start":228.5,"end":231.72,"sentiment":"neutral","sentiment_score":0.022930781201769907}],"sentiment":"neutral","sentiment_score":0.033645977532224994,"channel":0,"num_words":14,"start":227.78,"end":231.72},{"sentences":[{"text":"Yeah.","start":232.58,"end":232.9,"sentiment":"neutral","sentiment_score":0.006627569906413555},{"text":"We","start":232.9,"end":233.14,"sentiment":"neutral","sentiment_score":0.0035521741956472397}],"sentiment":"neutral","sentiment_score":0.005089872051030397,"channel":1,"num_words":2,"start":232.58,"end":233.14},{"sentences":[{"text":"or anything.","start":232.9,"end":233.56,"sentiment":"neutral","sentiment_score":0.009441666305065155}],"sentiment":"neutral","sentiment_score":0.009441666305065155,"channel":0,"num_words":2,"start":232.9,"end":233.56},{"sentences":[{"text":"do.","start":233.14,"end":233.64,"sentiment":"neutral","sentiment_score":0.008846956305205822}],"sentiment":"neutral","sentiment_score":0.008846956305205822,"channel":1,"num_words":1,"start":233.14,"end":233.64},{"sentences":[{"text":"You","start":234.02,"end":234.26,"sentiment":"neutral","sentiment_score":0.00419144332408905}],"sentiment":"neutral","sentiment_score":0.00419144332408905,"channel":0,"num_words":1,"start":234.02,"end":234.26},{"sentences":[{"text":"Yeah.","start":234.055,"end":234.375,"sentiment":"neutral","sentiment_score":0.012542801909148691}],"sentiment":"neutral","sentiment_score":0.012542801909148691,"channel":1,"num_words":1,"start":234.055,"end":234.375},{"sentences":[{"text":"do?","start":234.26,"end":234.76,"sentiment":"neutral","sentiment_score":0.01347249373793602}],"sentiment":"neutral","sentiment_score":0.01347249373793602,"channel":0,"num_words":1,"start":234.26,"end":234.76},{"sentences":[{"text":"It's part of part of","start":234.375,"end":235.815,"sentiment":"neutral","sentiment_score":0.02423335313796997}],"sentiment":"neutral","sentiment_score":0.02423335313796997,"channel":1,"num_words":5,"start":234.375,"end":235.815},{"sentences":[{"text":"Okay.","start":235.715,"end":236.215,"sentiment":"neutral","sentiment_score":0.020389089360833168}],"sentiment":"neutral","sentiment_score":0.020389089360833168,"channel":0,"num_words":1,"start":235.715,"end":236.215},{"sentences":[{"text":"an agreement.","start":235.815,"end":236.455,"sentiment":"neutral","sentiment_score":0.01875916961580515},{"text":"Yeah.","start":236.455,"end":236.955,"sentiment":"neutral","sentiment_score":0.015466364100575449},{"text":"I just need to check because the the agreement changes in April.","start":237.175,"end":245.675,"sentiment":"neutral","sentiment_score":0.0028448494461675486}],"sentiment":"neutral","sentiment_score":0.005808193112413088,"channel":1,"num_words":15,"start":235.815,"end":245.675},{"sentences":[{"text":"Yeah.","start":246.275,"end":246.675,"sentiment":"neutral","sentiment_score":0.03589848801493645}],"sentiment":"neutral","sentiment_score":0.03589848801493645,"channel":0,"num_words":1,"start":246.275,"end":246.675},{"sentences":[{"text":"So","start":246.56,"end":246.68,"sentiment":"neutral","sentiment_score":0.0338120236992836}],"sentiment":"neutral","sentiment_score":0.0338120236992836,"channel":1,"num_words":1,"start":246.56,"end":246.68},{"sentences":[{"text":"Okay.","start":246.675,"end":247.175,"sentiment":"neutral","sentiment_score":0.052630066871643066}],"sentiment":"neutral","sentiment_score":0.052630066871643066,"channel":0,"num_words":1,"start":246.675,"end":247.175},{"sentences":[{"text":"I think payroll is part of it.","start":246.68,"end":248.9,"sentiment":"neutral","sentiment_score":0.0808044895529747}],"sentiment":"neutral","sentiment_score":0.0808044895529747,"channel":1,"num_words":7,"start":246.68,"end":248.9},{"sentences":[{"text":"Okay.","start":249.22,"end":249.72,"sentiment":"neutral","sentiment_score":0.12943805754184723},{"text":"And it still gives you obviously choice of super and everything like that.","start":249.94,"end":253.94,"sentiment":"neutral","sentiment_score":0.17619589888132536},{"text":"It's just a couple of extra benefits.","start":253.94,"end":255.8,"sentiment":"neutral","sentiment_score":0.12795095571449824}],"sentiment":"neutral","sentiment_score":0.15788768728574118,"channel":0,"num_words":21,"start":249.22,"end":255.8},{"sentences":[{"text":"Yeah.","start":256.88,"end":257.2,"sentiment":"neutral","sentiment_score":0.071590855717659},{"text":"It's just","start":257.2,"end":257.78,"sentiment":"neutral","sentiment_score":0.05550753325223923}],"sentiment":"neutral","sentiment_score":0.060868640740712486,"channel":1,"num_words":3,"start":256.88,"end":257.78},{"sentences":[{"text":"Yeah.","start":258.02002,"end":258.52002,"sentiment":"neutral","sentiment_score":0.04624825716018677}],"sentiment":"neutral","sentiment_score":0.04624825716018677,"channel":0,"num_words":1,"start":258.02002,"end":258.52002},{"sentences":[{"text":"a a a a a a hose and spoke gin through","start":258.645,"end":262.085,"sentiment":"neutral","sentiment_score":0.038823665543036026}],"sentiment":"neutral","sentiment_score":0.038823665543036026,"channel":1,"num_words":11,"start":258.645,"end":262.085},{"sentences":[{"text":"Yeah.","start":262.035,"end":262.535,"sentiment":"neutral","sentiment_score":0.034513767808675766}],"sentiment":"neutral","sentiment_score":0.034513767808675766,"channel":0,"num_words":1,"start":262.035,"end":262.535},{"sentences":[{"text":"the a grainer.","start":262.085,"end":262.905,"sentiment":"neutral","sentiment_score":0.025018840407331783}],"sentiment":"neutral","sentiment_score":0.025018840407331783,"channel":1,"num_words":3,"start":262.085,"end":262.905},{"sentences":[{"text":"Yeah.","start":263.47498,"end":263.955,"sentiment":"neutral","sentiment_score":0.12587979435920715},{"text":"Perfect.","start":263.955,"end":264.455,"sentiment":"neutral","sentiment_score":0.3029699921607971},{"text":"Otherwise, you are not making any additional contributions into super, just that from your employer.","start":265.875,"end":270.69498,"sentiment":"neutral","sentiment_score":0.04011983722448349}],"sentiment":"neutral","sentiment_score":0.06062631440513274,"channel":0,"num_words":17,"start":263.47498,"end":270.69498},{"sentences":[{"text":"Yep.","start":271.25,"end":271.75,"sentiment":"neutral","sentiment_score":0.08269287645816803}],"sentiment":"neutral","sentiment_score":0.08269287645816803,"channel":1,"num_words":1,"start":271.25,"end":271.75},{"sentences":[{"text":"Yeah.","start":271.97,"end":272.37,"sentiment":"neutral","sentiment_score":0.111833356320858}],"sentiment":"neutral","sentiment_score":0.111833356320858,"channel":0,"num_words":1,"start":271.97,"end":272.37},{"sentences":[{"text":"Correct.","start":272.05,"end":272.55,"sentiment":"neutral","sentiment_score":0.17688988149166107}],"sentiment":"neutral","sentiment_score":0.17688988149166107,"channel":1,"num_words":1,"start":272.05,"end":272.55},{"sentences":[{"text":"Perfect.","start":272.37,"end":272.87,"sentiment":"neutral","sentiment_score":0.037277158349752426},{"text":"Now asset and liabilities wise, I have here that your main property was last valued at about 1,800,000.0.","start":274.53,"end":281.27,"sentiment":"neutral","sentiment_score":-0.0014460593669759368},{"text":"Is that","start":281.65,"end":282.05,"sentiment":"neutral","sentiment_score":0.0006109850946813822}],"sentiment":"neutral","sentiment_score":0.0005938123777880156,"channel":0,"num_words":21,"start":272.37,"end":282.05},{"sentences":[{"text":"Yep.","start":281.89,"end":282.39,"sentiment":"neutral","sentiment_score":-0.008068758063018322}],"sentiment":"neutral","sentiment_score":-0.008068758063018322,"channel":1,"num_words":1,"start":281.89,"end":282.39},{"sentences":[{"text":"still the case, or has that gone up a little bit?","start":282.05,"end":284.13,"sentiment":"neutral","sentiment_score":-0.037244548851793464},{"text":"Do you know?","start":284.13,"end":284.895,"sentiment":"neutral","sentiment_score":-0.016052098323901493}],"sentiment":"neutral","sentiment_score":-0.03270330945295947,"channel":0,"num_words":14,"start":282.05,"end":284.895},{"sentences":[{"text":"Or am","start":285.765,"end":286.585,"sentiment":"neutral","sentiment_score":-0.007608922198414803}],"sentiment":"neutral","sentiment_score":-0.007608922198414803,"channel":1,"num_words":2,"start":285.765,"end":286.585},{"sentences":[{"text":"Around the same.","start":287.055,"end":287.69498,"sentiment":"neutral","sentiment_score":-0.011670529376715422},{"text":"Alright.","start":287.69498,"end":288.01498,"sentiment":"neutral","sentiment_score":0.1030566543340683},{"text":"Perfect.","start":288.01498,"end":288.51498,"sentiment":"neutral","sentiment_score":0.30766868591308594},{"text":"I do have here mortgage of around 800 and","start":288.655,"end":292.19498,"sentiment":"neutral","sentiment_score":0.08710940264993244}],"sentiment":"neutral","sentiment_score":0.08283559828331429,"channel":0,"num_words":14,"start":287.055,"end":292.19498},{"sentences":[{"text":"I sorry?","start":292.165,"end":292.745,"sentiment":"neutral","sentiment_score":0.03706676699221134}],"sentiment":"neutral","sentiment_score":0.03706676699221134,"channel":1,"num_words":2,"start":292.165,"end":292.745},{"sentences":[{"text":"9,788.","start":292.25497,"end":294.595,"sentiment":"neutral","sentiment_score":0.007664378732442856}],"sentiment":"neutral","sentiment_score":0.007664378732442856,"channel":0,"num_words":1,"start":292.25497,"end":294.595},{"sentences":[{"text":"Probably got down a little bit, I guess, since last","start":300.34,"end":302.74002,"sentiment":"neutral","sentiment_score":-0.04229509271681309}],"sentiment":"neutral","sentiment_score":-0.04229509271681309,"channel":1,"num_words":10,"start":300.34,"end":302.74002},{"sentences":[{"text":"Yeah.","start":302.67,"end":303.17,"sentiment":"neutral","sentiment_score":-0.01533452421426773}],"sentiment":"neutral","sentiment_score":-0.01533452421426773,"channel":0,"num_words":1,"start":302.67,"end":303.17},{"sentences":[{"text":"time.","start":302.74002,"end":303.24002,"sentiment":"neutral","sentiment_score":-0.013468686491250992}],"sentiment":"neutral","sentiment_score":-0.013468686491250992,"channel":1,"num_words":1,"start":302.74002,"end":303.24002},{"sentences":[{"text":"How much do you reckon?","start":303.71,"end":305.41,"sentiment":"neutral","sentiment_score":-0.011920087598264217},{"text":"If","start":311.405,"end":311.645,"sentiment":"neutral","sentiment_score":-0.001659417524933815}],"sentiment":"neutral","sentiment_score":-0.010209975919375816,"channel":0,"num_words":6,"start":303.71,"end":311.645},{"sentences":[{"text":"Sure.","start":311.54,"end":311.78,"sentiment":"neutral","sentiment_score":0.003143051639199257}],"sentiment":"neutral","sentiment_score":0.003143051639199257,"channel":1,"num_words":1,"start":311.54,"end":311.78},{"sentences":[{"text":"it was","start":311.645,"end":311.965,"sentiment":"neutral","sentiment_score":-0.0007057972252368927}],"sentiment":"neutral","sentiment_score":-0.0007057972252368927,"channel":0,"num_words":2,"start":311.645,"end":311.965},{"sentences":[{"text":"I can","start":311.78,"end":312.1,"sentiment":"neutral","sentiment_score":0.0007273070514202118}],"sentiment":"neutral","sentiment_score":0.0007273070514202118,"channel":1,"num_words":2,"start":311.78,"end":312.1},{"sentences":[{"text":"around","start":311.965,"end":312.365,"sentiment":"neutral","sentiment_score":0.0063150376081466675}],"sentiment":"neutral","sentiment_score":0.0063150376081466675,"channel":0,"num_words":1,"start":311.965,"end":312.365},{"sentences":[{"text":"try it out,","start":312.1,"end":312.5,"sentiment":"neutral","sentiment_score":0.005979202377299468}],"sentiment":"neutral","sentiment_score":0.005979202377299468,"channel":1,"num_words":3,"start":312.1,"end":312.5},{"sentences":[{"text":"8","start":312.365,"end":312.525,"sentiment":"neutral","sentiment_score":0.002537831664085388}],"sentiment":"neutral","sentiment_score":0.002537831664085388,"channel":0,"num_words":1,"start":312.365,"end":312.525},{"sentences":[{"text":"but","start":312.5,"end":312.66,"sentiment":"neutral","sentiment_score":-0.007869131863117218}],"sentiment":"neutral","sentiment_score":-0.007869131863117218,"channel":1,"num_words":1,"start":312.5,"end":312.66},{"sentences":[{"text":"or","start":312.525,"end":313.025,"sentiment":"neutral","sentiment_score":-0.004313269630074501}],"sentiment":"neutral","sentiment_score":-0.004313269630074501,"channel":0,"num_words":1,"start":312.525,"end":313.025},{"sentences":[{"text":"it was.","start":312.66,"end":313.395,"sentiment":"neutral","sentiment_score":-0.0006221244111657145}],"sentiment":"neutral","sentiment_score":-0.0006221244111657145,"channel":1,"num_words":2,"start":312.66,"end":313.395},{"sentences":[{"text":"yeah.","start":313.725,"end":314.205,"sentiment":"neutral","sentiment_score":0.08093472570180893},{"text":"Perfect.","start":314.205,"end":314.685,"sentiment":"positive","sentiment_score":0.36651670932769775},{"text":"That'd be great.","start":314.685,"end":315.505,"sentiment":"positive","sentiment_score":0.4990880290667216}],"sentiment":"positive","sentiment_score":0.3889431044459343,"channel":0,"num_words":5,"start":313.725,"end":315.505},{"sentences":[{"text":"You can go back to the one in a bit.","start":316.19498,"end":318.145,"sentiment":"neutral","sentiment_score":0.25554847419261933}],"sentiment":"neutral","sentiment_score":0.25554847419261933,"channel":1,"num_words":10,"start":316.19498,"end":318.145},{"sentences":[{"text":"Yep.","start":318.445,"end":318.945,"sentiment":"neutral","sentiment_score":0.0350928008556366},{"text":"And while you do look for it, do you still have the huge the virus valued at about 55?","start":323.1,"end":329.76,"sentiment":"neutral","sentiment_score":-0.02733431540821728}],"sentiment":"neutral","sentiment_score":-0.024212959595024584,"channel":0,"num_words":20,"start":318.445,"end":329.76},{"sentences":[{"text":"Yep.","start":330.71,"end":331.21,"sentiment":"neutral","sentiment_score":0.007971993647515774}],"sentiment":"neutral","sentiment_score":0.007971993647515774,"channel":1,"num_words":1,"start":330.71,"end":331.21},{"sentences":[{"text":"Yep.","start":331.42,"end":331.82,"sentiment":"neutral","sentiment_score":0.032220229506492615},{"text":"Perfect.","start":331.82,"end":332.14,"sentiment":"neutral","sentiment_score":0.14878122508525848},{"text":"And you didn't have anything owing on that one?","start":332.14,"end":334.155,"sentiment":"neutral","sentiment_score":0.000014392452107535468},{"text":"Not cool.","start":335.595,"end":336.155,"sentiment":"neutral","sentiment_score":-0.1873975396156311},{"text":"Also tools of about 3,000?","start":336.155,"end":338.335,"sentiment":"neutral","sentiment_score":-0.043295348063111305}],"sentiment":"neutral","sentiment_score":-0.022785601827005546,"channel":0,"num_words":18,"start":331.42,"end":338.335},{"sentences":[{"text":"Yeah.","start":341.605,"end":342.105,"sentiment":"neutral","sentiment_score":0.006752819288522005}],"sentiment":"neutral","sentiment_score":0.006752819288522005,"channel":1,"num_words":1,"start":341.605,"end":342.105},{"sentences":[{"text":"Yep.","start":342.635,"end":343.135,"sentiment":"neutral","sentiment_score":0.011256612837314606},{"text":"Do you have any other new assets otherwise in the last kind of twelve months?","start":351.13,"end":355.53,"sentiment":"neutral","sentiment_score":-0.00239537904659907},{"text":"Any motorbikes or boats or anything else?","start":355.53,"end":358.73,"sentiment":"neutral","sentiment_score":0.004718591326049396},{"text":"Nah.","start":358.73,"end":359.13,"sentiment":"neutral","sentiment_score":0.017178528010845184},{"text":"Perfect.","start":359.13,"end":359.63,"sentiment":"neutral","sentiment_score":0.03640466928482056}],"sentiment":"neutral","sentiment_score":0.0024775705486536027,"channel":0,"num_words":25,"start":342.635,"end":359.63},{"sentences":[{"text":"And any other liabilities?","start":361.50497,"end":362.965,"sentiment":"neutral","sentiment_score":0.008934024022892118},{"text":"Personal loans, credit cards, ZIP pay?","start":363.185,"end":365.28497,"sentiment":"neutral","sentiment_score":0.0014234605866173904},{"text":"No.","start":367.34497,"end":367.425,"sentiment":"neutral","sentiment_score":-0.035686030983924866},{"text":"Perfect.","start":367.425,"end":367.925,"sentiment":"neutral","sentiment_score":-0.0012743407860398293},{"text":"And have you ever been declared bankrupt or been under a part nine debt agreement?","start":370.865,"end":375.84497,"sentiment":"neutral","sentiment_score":-0.036500681191682816}],"sentiment":"neutral","sentiment_score":-0.020007175186442003,"channel":0,"num_words":27,"start":361.50497,"end":375.84497},{"sentences":[{"text":"No.","start":376.175,"end":376.495,"sentiment":"neutral","sentiment_score":-0.0743396058678627},{"text":"No.","start":376.495,"end":376.995,"sentiment":"neutral","sentiment_score":-0.05996900796890259}],"sentiment":"neutral","sentiment_score":-0.06715430691838264,"channel":1,"num_words":2,"start":376.175,"end":376.995},{"sentences":[{"text":"Alright.","start":377.72,"end":377.96,"sentiment":"neutral","sentiment_score":-0.0007970426231622696},{"text":"Perfect.","start":377.96,"end":378.46,"sentiment":"neutral","sentiment_score":0.08085370808839798},{"text":"Were you able to access the the mortgage, or is it a bit tricky?","start":380.75998,"end":384.78,"sentiment":"neutral","sentiment_score":-0.005391296797565052}],"sentiment":"neutral","sentiment_score":0.00028615689370781183,"channel":0,"num_words":16,"start":377.72,"end":384.78},{"sentences":[{"text":"Just need to stop first.","start":386.55,"end":387.93,"sentiment":"neutral","sentiment_score":-0.07037958651781082},{"text":"Some driving.","start":388.07,"end":388.89,"sentiment":"neutral","sentiment_score":-0.04571089334785938}],"sentiment":"neutral","sentiment_score":-0.06333138846925326,"channel":1,"num_words":7,"start":386.55,"end":388.89},{"sentences":[{"text":"Yeah.","start":388.935,"end":389.255,"sentiment":"neutral","sentiment_score":-0.020441342145204544},{"text":"No.","start":389.255,"end":389.655,"sentiment":"neutral","sentiment_score":-0.07780153304338455},{"text":"That's okay.","start":389.655,"end":390.39502,"sentiment":"neutral","sentiment_score":-0.03434996213763952},{"text":"Are you happy for me to just kind of keep going in the meantime?","start":391.73502,"end":394.555,"sentiment":"neutral","sentiment_score":-0.02166987902351788}],"sentiment":"neutral","sentiment_score":-0.026128950321839914,"channel":0,"num_words":18,"start":388.935,"end":394.555},{"sentences":[{"text":"Yeah.","start":394.935,"end":395.175,"sentiment":"neutral","sentiment_score":0.033465683460235596},{"text":"Yeah.","start":395.175,"end":395.335,"sentiment":"neutral","sentiment_score":0.0571124255657196},{"text":"That's fine.","start":395.335,"end":396.155,"sentiment":"neutral","sentiment_score":0.10076349601149559}],"sentiment":"neutral","sentiment_score":0.0730262752622366,"channel":1,"num_words":4,"start":394.935,"end":396.155},{"sentences":[{"text":"Yeah.","start":395.89502,"end":396.215,"sentiment":"neutral","sentiment_score":0.06508257985115051},{"text":"Yeah.","start":396.215,"end":396.535,"sentiment":"neutral","sentiment_score":0.06779148429632187},{"text":"Alright.","start":396.535,"end":396.935,"sentiment":"neutral","sentiment_score":0.11375956237316132},{"text":"Perfect.","start":396.935,"end":397.435,"sentiment":"neutral","sentiment_score":0.2044750154018402},{"text":"Health and lifestyle wise, I have you down here as a nonsmoker.","start":398.855,"end":402.39502,"sentiment":"neutral","sentiment_score":0.13283548255761465}],"sentiment":"neutral","sentiment_score":0.1278209020383656,"channel":0,"num_words":16,"start":395.89502,"end":402.39502},{"sentences":[{"text":"Is that still the case?","start":402.775,"end":403.95,"sentiment":"neutral","sentiment_score":0.04573777392506599}],"sentiment":"neutral","sentiment_score":0.04573777392506599,"channel":0,"num_words":5,"start":402.775,"end":403.95},{"sentences":[{"text":"Yep.","start":404.375,"end":404.875,"sentiment":"neutral","sentiment_score":0.05163658782839775}],"sentiment":"neutral","sentiment_score":0.05163658782839775,"channel":1,"num_words":1,"start":404.375,"end":404.875},{"sentences":[{"text":"Perfect.","start":405.55002,"end":406.03,"sentiment":"neutral","sentiment_score":0.13349264860153198},{"text":"Any changes to your health in the last twelve months?","start":406.03,"end":408.77002,"sentiment":"neutral","sentiment_score":0.06070345286279917}],"sentiment":"neutral","sentiment_score":0.06732065247541125,"channel":0,"num_words":11,"start":405.55002,"end":408.77002},{"sentences":[{"text":"Bye.","start":409.36002,"end":409.86002,"sentiment":"neutral","sentiment_score":0.013542642816901209}],"sentiment":"neutral","sentiment_score":0.013542642816901209,"channel":1,"num_words":1,"start":409.36002,"end":409.86002},{"sentences":[{"text":"No.","start":410.27002,"end":410.75,"sentiment":"neutral","sentiment_score":-0.006323575973510742},{"text":"Perfect.","start":410.75,"end":411.25,"sentiment":"neutral","sentiment_score":0.053597040474414825}],"sentiment":"neutral","sentiment_score":0.02363673225045204,"channel":0,"num_words":2,"start":410.27002,"end":411.25},{"sentences":[{"text":"What did you have in my loan as last time?","start":411.52002,"end":414.74002,"sentiment":"neutral","sentiment_score":0.014192330744117498}],"sentiment":"neutral","sentiment_score":0.014192330744117498,"channel":1,"num_words":10,"start":411.52002,"end":414.74002},{"sentences":[{"text":"809,788.","start":415.15002,"end":418.61002,"sentiment":"neutral","sentiment_score":0.006848031189292669}],"sentiment":"neutral","sentiment_score":0.006848031189292669,"channel":0,"num_words":1,"start":415.15002,"end":418.61002},{"sentences":[{"text":"Okay.","start":419.6,"end":420.1,"sentiment":"neutral","sentiment_score":0.018577050417661667},{"text":"I think it's showing you $792,563.","start":420.16,"end":428.615,"sentiment":"neutral","sentiment_score":0.02543125053246816}],"sentiment":"neutral","sentiment_score":0.024452079087495804,"channel":1,"num_words":7,"start":419.6,"end":428.615},{"sentences":[{"text":"Yep.","start":425.735,"end":426.235,"sentiment":"neutral","sentiment_score":0.023804038763046265},{"text":"563.","start":428.935,"end":430.455,"sentiment":"neutral","sentiment_score":0.04296700283885002},{"text":"Great.","start":430.455,"end":430.775,"sentiment":"positive","sentiment_score":0.3839700520038605},{"text":"Perfect.","start":430.775,"end":431.275,"sentiment":"positive","sentiment_score":0.4200983047485352},{"text":"I will update that.","start":431.335,"end":432.29498,"sentiment":"positive","sentiment_score":0.4328359216451645}],"sentiment":"neutral","sentiment_score":0.32527288561686873,"channel":0,"num_words":8,"start":425.735,"end":432.29498},{"sentences":[{"text":"Thank you so much for getting that.","start":432.29498,"end":434.01,"sentiment":"positive","sentiment_score":0.4905118261064802},{"text":"Otherwise, when it comes to estate planning, do you have a will in place?","start":435.77002,"end":441.31,"sentiment":"neutral","sentiment_score":0.01706712134182453}],"sentiment":"neutral","sentiment_score":0.1748820229300431,"channel":0,"num_words":21,"start":432.29498,"end":441.31},{"sentences":[{"text":"A wheel?","start":442.7,"end":443.26,"sentiment":"neutral","sentiment_score":-0.031249635852873325},{"text":"No.","start":443.26,"end":443.42,"sentiment":"neutral","sentiment_score":-0.18148133158683777},{"text":"I haven't put a wheel in.","start":443.42,"end":444.88,"sentiment":"neutral","sentiment_score":-0.12878372396032015}],"sentiment":"neutral","sentiment_score":-0.11296477189494504,"channel":1,"num_words":9,"start":442.7,"end":444.88},{"sentences":[{"text":"No.","start":444.49002,"end":444.99002,"sentiment":"neutral","sentiment_score":-0.13387933373451233},{"text":"No.","start":445.05002,"end":445.37,"sentiment":"neutral","sentiment_score":-0.053875602781772614},{"text":"That's okay.","start":445.37,"end":446.19,"sentiment":"neutral","sentiment_score":0.24899405986070633},{"text":"And are you politically involved at all or on any income overseas?","start":447.525,"end":452.105,"sentiment":"neutral","sentiment_score":-0.003000154159963131}],"sentiment":"neutral","sentiment_score":0.017139458330348134,"channel":0,"num_words":16,"start":444.49002,"end":452.105},{"sentences":[{"text":"No.","start":453.225,"end":453.725,"sentiment":"neutral","sentiment_score":0.11162389814853668}],"sentiment":"neutral","sentiment_score":0.11162389814853668,"channel":1,"num_words":1,"start":453.225,"end":453.725},{"sentences":[{"text":"That's perfect.","start":454.005,"end":454.905,"sentiment":"positive","sentiment_score":0.48760318756103516},{"text":"When it comes to your beneficiary nominations, so in the event that something happens to you, I have Elizabeth nominated at a 100%.","start":455.685,"end":463.84,"sentiment":"positive","sentiment_score":0.3598640405613443},{"text":"Is that still correct?","start":463.84,"end":464.82,"sentiment":"neutral","sentiment_score":0.21600039303302765}],"sentiment":"positive","sentiment_score":0.3488303751781069,"channel":0,"num_words":29,"start":454.005,"end":464.82},{"sentences":[{"text":"Yep.","start":465.37,"end":465.87,"sentiment":"neutral","sentiment_score":0.16338133811950684}],"sentiment":"neutral","sentiment_score":0.16338133811950684,"channel":1,"num_words":1,"start":465.37,"end":465.87},{"sentences":[{"text":"Yep.","start":466.16,"end":466.66,"sentiment":"neutral","sentiment_score":0.23518329858779907},{"text":"Perfect.","start":466.80002,"end":467.30002,"sentiment":"positive","sentiment_score":0.5999100208282471},{"text":"And, I guess, otherwise, kind of goals that you are working towards in the next twelve months.","start":468.80002,"end":475.485,"sentiment":"neutral","sentiment_score":0.28527214597253236},{"text":"Last time we spoke, your main focus was to save a bit of money and do some house renovation.","start":475.545,"end":481.005,"sentiment":"neutral","sentiment_score":0.12932443148211428}],"sentiment":"neutral","sentiment_score":0.21426010523971759,"channel":0,"num_words":38,"start":466.16,"end":481.005},{"sentences":[{"text":"Yeah.","start":483.435,"end":483.835,"sentiment":"neutral","sentiment_score":0.07646185159683228},{"text":"I guess I'm always trying to do","start":483.835,"end":485.615,"sentiment":"neutral","sentiment_score":0.04925700596400669}],"sentiment":"neutral","sentiment_score":0.052657611668109894,"channel":1,"num_words":8,"start":483.435,"end":485.615},{"sentences":[{"text":"Try","start":486.52002,"end":486.76,"sentiment":"neutral","sentiment_score":0.04341685771942139}],"sentiment":"neutral","sentiment_score":0.04341685771942139,"channel":0,"num_words":1,"start":486.52002,"end":486.76},{"sentences":[{"text":"Yeah.","start":486.67,"end":486.99002,"sentiment":"neutral","sentiment_score":0.0295096505433321}],"sentiment":"neutral","sentiment_score":0.0295096505433321,"channel":1,"num_words":1,"start":486.67,"end":486.99002},{"sentences":[{"text":"to do a","start":486.76,"end":487.08002,"sentiment":"neutral","sentiment_score":0.014036359886328379}],"sentiment":"neutral","sentiment_score":0.014036359886328379,"channel":0,"num_words":3,"start":486.76,"end":487.08002},{"sentences":[{"text":"That's","start":486.99002,"end":487.49002,"sentiment":"neutral","sentiment_score":0.026576390489935875}],"sentiment":"neutral","sentiment_score":0.026576390489935875,"channel":1,"num_words":1,"start":486.99002,"end":487.49002},{"sentences":[{"text":"little bit of that.","start":487.08002,"end":488.06003,"sentiment":"neutral","sentiment_score":0.02661095466464758}],"sentiment":"neutral","sentiment_score":0.02661095466464758,"channel":0,"num_words":4,"start":487.08002,"end":488.06003},{"sentences":[{"text":"okay.","start":488.03,"end":488.35,"sentiment":"neutral","sentiment_score":0.14620105922222135},{"text":"Yeah.","start":488.35,"end":488.85,"sentiment":"neutral","sentiment_score":0.16051959991455078}],"sentiment":"neutral","sentiment_score":0.15336032956838608,"channel":1,"num_words":2,"start":488.03,"end":488.85},{"sentences":[{"text":"That's okay.","start":489.08002,"end":489.98,"sentiment":"neutral","sentiment_score":0.23483715951442719},{"text":"Otherwise, a bit more medium to long term.","start":490.84003,"end":493.66,"sentiment":"neutral","sentiment_score":0.08216365985572338},{"text":"We're looking at maybe buying an investment property and buy a new car.","start":493.72,"end":498.38,"sentiment":"neutral","sentiment_score":0.16704790523419014},{"text":"Is that still","start":498.68002,"end":499.32,"sentiment":"neutral","sentiment_score":0.1264670491218567}],"sentiment":"neutral","sentiment_score":0.14146182743402627,"channel":0,"num_words":26,"start":489.08002,"end":499.32},{"sentences":[{"text":"Yep.","start":499.15002,"end":499.65002,"sentiment":"neutral","sentiment_score":0.14287082850933075}],"sentiment":"neutral","sentiment_score":0.14287082850933075,"channel":1,"num_words":1,"start":499.15002,"end":499.65002},{"sentences":[{"text":"kind of the plans as well?","start":499.32,"end":501.02002,"sentiment":"neutral","sentiment_score":0.14332247525453568},{"text":"Yeah?","start":503.285,"end":503.785,"sentiment":"neutral","sentiment_score":0.06063603237271309},{"text":"Do you have any other, like, new goals that you are working through in the next twelve months financially or nonfinancially at all?","start":504.64502,"end":511.30502,"sentiment":"neutral","sentiment_score":0.047132275107762085}],"sentiment":"neutral","sentiment_score":0.06682044037928184,"channel":0,"num_words":30,"start":499.32,"end":511.30502},{"sentences":[{"text":"Yeah.","start":513.355,"end":513.855,"sentiment":"neutral","sentiment_score":0.005228725261986256},{"text":"No.","start":514.075,"end":514.555,"sentiment":"neutral","sentiment_score":-0.0645105242729187},{"text":"That's sort of it.","start":514.555,"end":516.015,"sentiment":"neutral","sentiment_score":-0.1057810066267848}],"sentiment":"neutral","sentiment_score":-0.08040097091967861,"channel":1,"num_words":6,"start":513.355,"end":516.015},{"sentences":[{"text":"That's the main thing?","start":516.1,"end":517.06,"sentiment":"neutral","sentiment_score":-0.010271952021867037},{"text":"Okay.","start":517.06,"end":517.54,"sentiment":"neutral","sentiment_score":0.15438321232795715},{"text":"Perfect.","start":517.54,"end":518.04,"sentiment":"neutral","sentiment_score":0.3309938311576843}],"sentiment":"neutral","sentiment_score":0.07404820589969556,"channel":0,"num_words":6,"start":516.1,"end":518.04},{"sentences":[{"text":"Yeah.","start":517.83997,"end":518.33997,"sentiment":"neutral","sentiment_score":0.12344177067279816}],"sentiment":"neutral","sentiment_score":0.12344177067279816,"channel":1,"num_words":1,"start":517.83997,"end":518.33997},{"sentences":[{"text":"Now the next thing I do wanna quickly run over with you, Adam, it's just a bit of an updated risk profile, and that is just simply to see if we need to make any changes to your investment portfolio within your superannuation.","start":519.3,"end":530.46497,"sentiment":"neutral","sentiment_score":0.02007688759544561},{"text":"So there is","start":531.96497,"end":532.605,"sentiment":"neutral","sentiment_score":0.04457006106774012}],"sentiment":"neutral","sentiment_score":0.021674268474073513,"channel":0,"num_words":46,"start":519.3,"end":532.605},{"sentences":[{"text":"Yep.","start":532.45496,"end":532.95496,"sentiment":"neutral","sentiment_score":0.053090862929821014}],"sentiment":"neutral","sentiment_score":0.053090862929821014,"channel":1,"num_words":1,"start":532.45496,"end":532.95496},{"sentences":[{"text":"no right or wrong answer.","start":532.605,"end":533.885,"sentiment":"neutral","sentiment_score":-0.11789104789495468},{"text":"It's just whatever you feel is the most appropriate for you.","start":533.885,"end":536.845,"sentiment":"neutral","sentiment_score":0.052695603194561874},{"text":"And if it doesn't make sense, just let me know.","start":536.845,"end":539.26495,"sentiment":"neutral","sentiment_score":-0.0888279877603054}],"sentiment":"neutral","sentiment_score":-0.034541672382217184,"channel":0,"num_words":26,"start":532.605,"end":539.26495},{"sentences":[{"text":"Okay.","start":539.89496,"end":540.39496,"sentiment":"neutral","sentiment_score":0.004725656472146511}],"sentiment":"neutral","sentiment_score":0.004725656472146511,"channel":1,"num_words":1,"start":539.89496,"end":540.39496},{"sentences":[{"text":"Now have you ever bought direct shares yourself?","start":541.34,"end":544.16,"sentiment":"neutral","sentiment_score":-0.004200910916551948},{"text":"No.","start":548.62,"end":549.12,"sentiment":"neutral","sentiment_score":-0.04887555539608002},{"text":"Perfect.","start":549.26,"end":549.76,"sentiment":"neutral","sentiment_score":0.046500276774168015},{"text":"Next is in regards to inflation.","start":550.38,"end":552.72,"sentiment":"neutral","sentiment_score":-0.058202698826789856},{"text":"So inflation means that things are getting more expensive over time, kind of making your money worth less, and everything is costing a little bit more.","start":553.26,"end":561.555,"sentiment":"neutral","sentiment_score":-0.15601249870199424}],"sentiment":"neutral","sentiment_score":-0.1057505648849266,"channel":0,"num_words":42,"start":541.34,"end":561.555},{"sentences":[{"text":"Now how much of a risk are you willing to take in order to try to keep up with the rising prices when it comes to your superannuation?","start":562.095,"end":571.42004,"sentiment":"neutral","sentiment_score":-0.12867588017668044},{"text":"Would you say very high risk, high, moderate, or a small amount of risk in order to try to keep up pace with inflation?","start":573.24005,"end":581.18,"sentiment":"neutral","sentiment_score":-0.10594849257419507}],"sentiment":"neutral","sentiment_score":-0.11818631666784103,"channel":0,"num_words":52,"start":562.095,"end":581.18},{"sentences":[{"text":"Hard to know with the camera in the water at the moment.","start":586.145,"end":589.205,"sentiment":"neutral","sentiment_score":-0.3138587102293968}],"sentiment":"neutral","sentiment_score":-0.3138587102293968,"channel":1,"num_words":12,"start":586.145,"end":589.205},{"sentences":[{"text":"Yeah.","start":589.605,"end":590.105,"sentiment":"neutral","sentiment_score":-0.1184324473142624}],"sentiment":"neutral","sentiment_score":-0.1184324473142624,"channel":0,"num_words":1,"start":589.605,"end":590.105},{"sentences":[{"text":"I don't know.","start":591.54504,"end":593.93835,"sentiment":"neutral","sentiment_score":-0.14466553429762521},{"text":"I'm leaking","start":594.385,"end":595.02496,"sentiment":"neutral","sentiment_score":-0.10333333909511566}],"sentiment":"neutral","sentiment_score":-0.1281326562166214,"channel":1,"num_words":5,"start":591.54504,"end":595.02496},{"sentences":[{"text":"A bit","start":594.82,"end":595.48004,"sentiment":"neutral","sentiment_score":-0.1093163937330246}],"sentiment":"neutral","sentiment_score":-0.1093163937330246,"channel":0,"num_words":2,"start":594.82,"end":595.48004},{"sentences":[{"text":"in between media and my home.","start":595.02496,"end":597.86,"sentiment":"neutral","sentiment_score":-0.14190448075532913}],"sentiment":"neutral","sentiment_score":-0.14190448075532913,"channel":1,"num_words":6,"start":595.02496,"end":597.86},{"sentences":[{"text":"medium or low?","start":598.26,"end":599.14,"sentiment":"neutral","sentiment_score":-0.040443286299705505},{"text":"Okay.","start":599.14,"end":599.64,"sentiment":"neutral","sentiment_score":0.07345709204673767},{"text":"Perfect.","start":599.7,"end":600.2,"sentiment":"positive","sentiment_score":0.3405698239803314},{"text":"And how would you feel about volatility?","start":602.34,"end":605.88,"sentiment":"neutral","sentiment_score":0.027703861040728434},{"text":"So if, let's say, six months after placing an investment, you found out that your portfolio has decreased by 20% due to general trends in their financial market.","start":606.70496,"end":619.445,"sentiment":"neutral","sentiment_score":-0.12385993929845947}],"sentiment":"neutral","sentiment_score":-0.07453635539859534,"channel":0,"num_words":40,"start":598.26,"end":619.445},{"sentences":[{"text":"Now would you try to take advantage of that?","start":620.3,"end":623.89996,"sentiment":"neutral","sentiment_score":0.006924264546897676},{"text":"I think that now is potentially a good time to invest a little bit more while the prices are down, or would you kind of hold, wait to see what happens, Or would you want to shift through a more secure asset, but that means then you are then selling when the prices have already dropped?","start":623.89996,"end":642.425,"sentiment":"neutral","sentiment_score":0.029453110182657838},{"text":"It's a bit tricky because, obviously, it depends on what's going on.","start":653.45996,"end":656.2,"sentiment":"neutral","sentiment_score":-0.2692701295018196}],"sentiment":"neutral","sentiment_score":-0.01973440263468724,"channel":0,"num_words":77,"start":620.3,"end":656.2},{"sentences":[{"text":"Yeah.","start":656.86,"end":657.36,"sentiment":"neutral","sentiment_score":-0.04908350110054016},{"text":"How long do you think","start":657.89996,"end":658.62,"sentiment":"neutral","sentiment_score":-0.03162814825773239}],"sentiment":"neutral","sentiment_score":-0.034537373731533684,"channel":1,"num_words":6,"start":656.86,"end":658.62},{"sentences":[{"text":"So","start":658.5,"end":659.0,"sentiment":"neutral","sentiment_score":-0.0300394669175148}],"sentiment":"neutral","sentiment_score":-0.0300394669175148,"channel":0,"num_words":1,"start":658.5,"end":659.0},{"sentences":[{"text":"it's gonna go","start":658.62,"end":660.45996,"sentiment":"neutral","sentiment_score":-0.030841834843158722}],"sentiment":"neutral","sentiment_score":-0.030841834843158722,"channel":1,"num_words":3,"start":658.62,"end":660.45996},{"sentences":[{"text":"exactly.","start":660.45496,"end":660.95496,"sentiment":"neutral","sentiment_score":-0.022928543388843536}],"sentiment":"neutral","sentiment_score":-0.022928543388843536,"channel":0,"num_words":1,"start":660.45496,"end":660.95496},{"sentences":[{"text":"on for?","start":660.45996,"end":661.12,"sentiment":"neutral","sentiment_score":-0.03719527740031481}],"sentiment":"neutral","sentiment_score":-0.03719527740031481,"channel":1,"num_words":2,"start":660.45996,"end":661.12},{"sentences":[{"text":"Would you say kind of somewhere in the middle, hold and wait to see what happens, and then maybe sometimes invest a little bit, sometimes sell out depending on, I guess, forecasting and stuff like that.","start":661.975,"end":675.51,"sentiment":"neutral","sentiment_score":-0.05682525349160036}],"sentiment":"neutral","sentiment_score":-0.05682525349160036,"channel":0,"num_words":36,"start":661.975,"end":675.51},{"sentences":[{"text":"Yeah.","start":677.075,"end":677.575,"sentiment":"neutral","sentiment_score":0.02817703038454056},{"text":"We'll go with that","start":677.635,"end":678.275,"sentiment":"neutral","sentiment_score":0.05086066760122776}],"sentiment":"neutral","sentiment_score":0.04632394015789032,"channel":1,"num_words":5,"start":677.075,"end":678.275},{"sentences":[{"text":"Yep.","start":678.20996,"end":678.70996,"sentiment":"neutral","sentiment_score":0.05563489720225334}],"sentiment":"neutral","sentiment_score":0.05563489720225334,"channel":0,"num_words":1,"start":678.20996,"end":678.70996},{"sentences":[{"text":"one.","start":678.275,"end":678.775,"sentiment":"neutral","sentiment_score":0.061640337109565735}],"sentiment":"neutral","sentiment_score":0.061640337109565735,"channel":1,"num_words":1,"start":678.275,"end":678.775},{"sentences":[{"text":"Yep.","start":679.01,"end":679.49,"sentiment":"neutral","sentiment_score":0.03653044253587723},{"text":"Okay.","start":679.49,"end":679.99,"sentiment":"neutral","sentiment_score":0.026719417423009872},{"text":"Next up is in regards to fluctuations in superannuation.","start":684.05,"end":689.505,"sentiment":"neutral","sentiment_score":-0.009746020452843772},{"text":"So have you ever noticed your superannuation obviously fall in value?","start":690.20496,"end":694.945,"sentiment":"neutral","sentiment_score":-0.07785546508702365},{"text":"Obviously, what's going on in the world the last twelve months?","start":696.445,"end":699.565,"sentiment":"neutral","sentiment_score":-0.061250931160016495}],"sentiment":"neutral","sentiment_score":-0.0471101419040651,"channel":0,"num_words":33,"start":679.01,"end":699.565},{"sentences":[{"text":"We have seen a lot of fluctuations in in in the market and in the world.","start":699.565,"end":703.22003,"sentiment":"neutral","sentiment_score":-0.05824501859024167},{"text":"And then, obviously, going back to COVID as well, we did see, you know, a bit of fluctuation and stuff then as well.","start":703.76,"end":709.54,"sentiment":"neutral","sentiment_score":-0.05815934438420379},{"text":"If you did notice your superannuation, you know, full in value, how would that make you feel?","start":710.24,"end":717.475,"sentiment":"neutral","sentiment_score":0.1558311279205715},{"text":"Would you stay optimistic about potential future investment opportunities?","start":717.615,"end":722.435,"sentiment":"neutral","sentiment_score":0.19821401602692074},{"text":"A bit more, you know, neutral, not making further investments, or you think that would make you feel quite concerned or anxious?","start":723.935,"end":731.75995,"sentiment":"neutral","sentiment_score":-0.18366853825070642}],"sentiment":"neutral","sentiment_score":-0.02157744529774819,"channel":0,"num_words":87,"start":699.565,"end":731.75995},{"sentences":[{"text":"Probably the middle answer.","start":736.3,"end":737.68,"sentiment":"neutral","sentiment_score":-0.07348848506808281}],"sentiment":"neutral","sentiment_score":-0.07348848506808281,"channel":1,"num_words":4,"start":736.3,"end":737.68},{"sentences":[{"text":"The middle?","start":737.98,"end":738.62,"sentiment":"neutral","sentiment_score":-0.014626162126660347},{"text":"Perfect.","start":738.62,"end":739.01996,"sentiment":"neutral","sentiment_score":0.08449610322713852},{"text":"So kind","start":739.01996,"end":739.42,"sentiment":"neutral","sentiment_score":0.0032878415659070015}],"sentiment":"neutral","sentiment_score":0.012363892421126366,"channel":0,"num_words":5,"start":737.98,"end":739.42},{"sentences":[{"text":"Last","start":739.42,"end":739.74,"sentiment":"neutral","sentiment_score":-0.03427072614431381}],"sentiment":"neutral","sentiment_score":-0.03427072614431381,"channel":1,"num_words":1,"start":739.42,"end":739.74},{"sentences":[{"text":"of a bit","start":739.42,"end":739.89996,"sentiment":"neutral","sentiment_score":-0.03584243729710579}],"sentiment":"neutral","sentiment_score":-0.03584243729710579,"channel":0,"num_words":3,"start":739.42,"end":739.89996},{"sentences":[{"text":"time it","start":739.74,"end":739.98,"sentiment":"neutral","sentiment_score":-0.04823227599263191}],"sentiment":"neutral","sentiment_score":-0.04823227599263191,"channel":1,"num_words":2,"start":739.74,"end":739.98},{"sentences":[{"text":"new.","start":739.89996,"end":740.39996,"sentiment":"neutral","sentiment_score":-0.04453650861978531}],"sentiment":"neutral","sentiment_score":-0.04453650861978531,"channel":0,"num_words":1,"start":739.89996,"end":740.39996},{"sentences":[{"text":"went.","start":739.98,"end":740.48,"sentiment":"neutral","sentiment_score":-0.02873583883047104},{"text":"Yeah.","start":740.94,"end":741.42,"sentiment":"neutral","sentiment_score":-0.03512043133378029},{"text":"Unless it was going on for too long.","start":741.42,"end":743.27997,"sentiment":"neutral","sentiment_score":-0.11862826999276876}],"sentiment":"neutral","sentiment_score":-0.10128824301064014,"channel":1,"num_words":10,"start":739.98,"end":743.27997},{"sentences":[{"text":"Yeah.","start":743.13495,"end":743.615,"sentiment":"neutral","sentiment_score":-0.022642802447080612},{"text":"Yes.","start":743.615,"end":744.115,"sentiment":"neutral","sentiment_score":-0.01103300414979458},{"text":"Yeah.","start":744.175,"end":744.57495,"sentiment":"neutral","sentiment_score":-0.0412011556327343},{"text":"No.","start":744.57495,"end":744.815,"sentiment":"neutral","sentiment_score":-0.11007565259933472},{"text":"Definitely.","start":744.815,"end":745.21497,"sentiment":"neutral","sentiment_score":-0.0819636881351471}],"sentiment":"neutral","sentiment_score":-0.05338326059281826,"channel":0,"num_words":5,"start":743.13495,"end":745.21497},{"sentences":[{"text":"Then there might be a bit more of a structural issue.","start":745.21497,"end":747.13495,"sentiment":"neutral","sentiment_score":-0.11823135953057896},{"text":"Obviously, things","start":747.13495,"end":748.415,"sentiment":"neutral","sentiment_score":-0.04402439668774605}],"sentiment":"neutral","sentiment_score":-0.10681490370860466,"channel":0,"num_words":13,"start":745.21497,"end":748.415},{"sentences":[{"text":"Yeah.","start":748.305,"end":748.805,"sentiment":"neutral","sentiment_score":-0.04400750249624252}],"sentiment":"neutral","sentiment_score":-0.04400750249624252,"channel":1,"num_words":1,"start":748.305,"end":748.805},{"sentences":[{"text":"do fluctuate short term, especially if you are in, you know, your high growth portfolio.","start":748.415,"end":752.675,"sentiment":"neutral","sentiment_score":-0.03507378374536832},{"text":"It is kind of what you see and expect through periods of time.","start":752.735,"end":756.88,"sentiment":"neutral","sentiment_score":-0.11112475968324222},{"text":"But, obviously, if that goes on for a prolonged period of time, then, you know, there might need to be more drastic changes","start":757.02,"end":762.24005,"sentiment":"neutral","sentiment_score":-0.25746948239595996}],"sentiment":"neutral","sentiment_score":-0.15475542602293632,"channel":0,"num_words":51,"start":748.415,"end":762.24005},{"sentences":[{"text":"Yeah.","start":762.91,"end":763.41,"sentiment":"neutral","sentiment_score":-0.06908498704433441}],"sentiment":"neutral","sentiment_score":-0.06908498704433441,"channel":1,"num_words":1,"start":762.91,"end":763.41},{"sentences":[{"text":"to be made.","start":763.18005,"end":764.0,"sentiment":"neutral","sentiment_score":-0.030311099564035732},{"text":"Yep.","start":764.30005,"end":764.80005,"sentiment":"neutral","sentiment_score":0.04695060849189758},{"text":"And last one here, Adam, is have you ever considered taking out a loan to invest in stocks or funds?","start":765.66003,"end":771.675,"sentiment":"neutral","sentiment_score":0.00301078287884593},{"text":"No.","start":774.29504,"end":774.615,"sentiment":"neutral","sentiment_score":-0.11275602877140044},{"text":"Would you ever consider taking out a loan to buy an investment property?","start":774.615,"end":778.235,"sentiment":"neutral","sentiment_score":-0.09734353021933483}],"sentiment":"neutral","sentiment_score":-0.03584181458542222,"channel":0,"num_words":38,"start":763.18005,"end":778.235},{"sentences":[{"text":"I think I would need to.","start":786.125,"end":787.665,"sentiment":"neutral","sentiment_score":-0.13481315349539122}],"sentiment":"neutral","sentiment_score":-0.13481315349539122,"channel":1,"num_words":6,"start":786.125,"end":787.665},{"sentences":[{"text":"Yep.","start":787.99005,"end":788.49005,"sentiment":"neutral","sentiment_score":0.05028914660215378},{"text":"Okay.","start":788.55005,"end":789.05005,"sentiment":"neutral","sentiment_score":0.0653274804353714},{"text":"Now that tells me here that you have come out as a growth investor.","start":790.07,"end":794.97003,"sentiment":"neutral","sentiment_score":0.10859399501766477},{"text":"And at the moment, we have you invested in a high growth portfolio.","start":795.865,"end":800.125,"sentiment":"neutral","sentiment_score":0.049643581303266376},{"text":"So do you know the difference between those two at all?","start":800.745,"end":803.965,"sentiment":"neutral","sentiment_score":-0.0055138715966181326}],"sentiment":"neutral","sentiment_score":0.055516163166612384,"channel":0,"num_words":40,"start":787.99005,"end":803.965},{"sentences":[{"text":"Yeah.","start":806.97504,"end":807.375,"sentiment":"neutral","sentiment_score":0.03017163649201393},{"text":"I believe","start":807.375,"end":808.03503,"sentiment":"neutral","sentiment_score":0.012706393375992775}],"sentiment":"neutral","sentiment_score":0.01852814108133316,"channel":1,"num_words":3,"start":806.97504,"end":808.03503},{"sentences":[{"text":"Yeah.","start":808.92,"end":809.31995,"sentiment":"neutral","sentiment_score":0.03646191209554672},{"text":"How would you describe it to me?","start":809.31995,"end":811.01996,"sentiment":"neutral","sentiment_score":0.03446145196046148}],"sentiment":"neutral","sentiment_score":0.034711509477347136,"channel":0,"num_words":8,"start":808.92,"end":811.01996},{"sentences":[{"text":"so.","start":811.695,"end":812.195,"sentiment":"neutral","sentiment_score":0.006037961691617966}],"sentiment":"neutral","sentiment_score":0.006037961691617966,"channel":1,"num_words":1,"start":811.695,"end":812.195},{"sentences":[{"text":"Putting you on the spot.","start":811.8,"end":812.93994,"sentiment":"neutral","sentiment_score":0.01882685273885727}],"sentiment":"neutral","sentiment_score":0.01882685273885727,"channel":0,"num_words":5,"start":811.8,"end":812.93994},{"sentences":[{"text":"So my growth would be you're taking more risks with","start":814.49506,"end":818.755,"sentiment":"neutral","sentiment_score":-0.003940039407461881}],"sentiment":"neutral","sentiment_score":-0.003940039407461881,"channel":1,"num_words":10,"start":814.49506,"end":818.755},{"sentences":[{"text":"Yep.","start":818.36,"end":818.86,"sentiment":"neutral","sentiment_score":-0.020101267844438553}],"sentiment":"neutral","sentiment_score":-0.020101267844438553,"channel":0,"num_words":1,"start":818.36,"end":818.86},{"sentences":[{"text":"smaller like, investing in not yet not domain.","start":820.2,"end":827.34,"sentiment":"neutral","sentiment_score":-0.041542437858879566}],"sentiment":"neutral","sentiment_score":-0.041542437858879566,"channel":1,"num_words":8,"start":820.2,"end":827.34},{"sentences":[{"text":"Mhmm.","start":828.375,"end":828.875,"sentiment":"neutral","sentiment_score":-0.021347323432564735}],"sentiment":"neutral","sentiment_score":-0.021347323432564735,"channel":0,"num_words":1,"start":828.375,"end":828.875},{"sentences":[{"text":"Like, that I don't know.","start":829.16,"end":830.6,"sentiment":"neutral","sentiment_score":-0.0726231537759304},{"text":"Like, gold or","start":830.6,"end":832.36,"sentiment":"neutral","sentiment_score":-0.06864456459879875}],"sentiment":"neutral","sentiment_score":-0.07113118283450603,"channel":1,"num_words":8,"start":829.16,"end":832.36},{"sentences":[{"text":"Mhmm.","start":832.31,"end":832.81,"sentiment":"neutral","sentiment_score":-0.021927494555711743}],"sentiment":"neutral","sentiment_score":-0.021927494555711743,"channel":0,"num_words":1,"start":832.31,"end":832.81},{"sentences":[{"text":"the the I don't know how to explain it.","start":832.36,"end":834.975,"sentiment":"neutral","sentiment_score":-0.11465981064571275}],"sentiment":"neutral","sentiment_score":-0.11465981064571275,"channel":1,"num_words":9,"start":832.36,"end":834.975},{"sentences":[{"text":"You are on the right path, though.","start":836.07,"end":837.67,"sentiment":"positive","sentiment_score":0.41777560540608},{"text":"Like, you your the concept is definitely there.","start":837.67,"end":840.17,"sentiment":"positive","sentiment_score":0.3719229344278574},{"text":"And,","start":841.11,"end":841.59,"sentiment":"neutral","sentiment_score":0.1328919231891632}],"sentiment":"positive","sentiment_score":0.3770440397784114,"channel":0,"num_words":16,"start":836.07,"end":841.59},{"sentences":[{"text":"But","start":841.3125,"end":841.8125,"sentiment":"neutral","sentiment_score":0.14208227396011353}],"sentiment":"neutral","sentiment_score":0.14208227396011353,"channel":1,"num_words":1,"start":841.3125,"end":841.8125},{"sentences":[{"text":"you know, if if we do think typically between a high growth and growth, obviously, the focus still to maximize growth into your preannuation while you do have, you know, plenty of time until you do retire.","start":841.59,"end":851.945,"sentiment":"neutral","sentiment_score":0.07784362781692196},{"text":"And in both scenarios, you are, you know, prepared to experience a level of fluctuation in order to kind of grow your super long term.","start":852.565,"end":861.88,"sentiment":"neutral","sentiment_score":0.019607237577438354},{"text":"The difference between them typically is that in a high growth portfolio, that is how you are currently invested, we see about 90% of the funds invested in growth assets.","start":862.18005,"end":873.64,"sentiment":"neutral","sentiment_score":0.05654443837702274},{"text":"So that will be things like Australian shares, international shares, property, and commodity.","start":874.235,"end":879.135,"sentiment":"neutral","sentiment_score":0.15486799065883344},{"text":"And that is what's going to maximize those return for you and only about 10% in your defensive investment.","start":879.83496,"end":888.095,"sentiment":"neutral","sentiment_score":0.24500286069355512}],"sentiment":"neutral","sentiment_score":0.09463763348157367,"channel":0,"num_words":124,"start":841.59,"end":888.095},{"sentences":[{"text":"So that will be, like, your cash, your gold, your fixed interest, for example.","start":888.635,"end":892.27,"sentiment":"neutral","sentiment_score":0.12634666849459922},{"text":"So they're in the fluctuations a little bit.","start":892.27,"end":894.45,"sentiment":"neutral","sentiment_score":0.001928737387061119},{"text":"Now","start":894.75,"end":895.25,"sentiment":"neutral","sentiment_score":0.14053189754486084}],"sentiment":"neutral","sentiment_score":0.08368761545937994,"channel":0,"num_words":23,"start":888.635,"end":895.25},{"sentences":[{"text":"Yep.","start":895.125,"end":895.625,"sentiment":"neutral","sentiment_score":0.14519381523132324}],"sentiment":"neutral","sentiment_score":0.14519381523132324,"channel":1,"num_words":1,"start":895.125,"end":895.625},{"sentences":[{"text":"in a growth portfolio, it's about a 10% difference.","start":895.31,"end":899.09,"sentiment":"neutral","sentiment_score":0.1705572075313992},{"text":"So you have 80% in your growth and 20 in defensive.","start":899.15,"end":903.81,"sentiment":"neutral","sentiment_score":0.24487134543332187},{"text":"Typically,","start":904.96497,"end":905.44495,"sentiment":"neutral","sentiment_score":0.08760493993759155}],"sentiment":"neutral","sentiment_score":0.2055335527374631,"channel":0,"num_words":21,"start":895.31,"end":905.44495},{"sentences":[{"text":"Yep.","start":905.25,"end":905.75,"sentiment":"neutral","sentiment_score":0.02394016832113266}],"sentiment":"neutral","sentiment_score":0.02394016832113266,"channel":1,"num_words":1,"start":905.25,"end":905.75},{"sentences":[{"text":"in a high growth, you would see higher fluctuations short term, but long term, you can see higher returns as as a result.","start":905.44495,"end":914.02496,"sentiment":"neutral","sentiment_score":0.3027234258859054},{"text":"Growth, obviously, you see slightly less fluctuations, but you can obviously have a little bit less growth in the returns as well.","start":915.76495,"end":923.34,"sentiment":"neutral","sentiment_score":0.061734692616896195},{"text":"Looking at a time frame point of view, so making sure that you have enough time in the market for those fluctuations.","start":924.92004,"end":931.26,"sentiment":"neutral","sentiment_score":0.13427963277155702},{"text":"In a high growth, we wanna allow a minimum of eight years until retirement to make sure you have enough time in the market.","start":932.565,"end":939.625,"sentiment":"neutral","sentiment_score":0.2325012410680453},{"text":"Growth, we say minimum six years.","start":940.485,"end":942.745,"sentiment":"neutral","sentiment_score":0.15257141118248305}],"sentiment":"neutral","sentiment_score":0.1832001258417503,"channel":0,"num_words":97,"start":905.44495,"end":942.745},{"sentences":[{"text":"How do you feel at the moment?","start":943.84503,"end":945.865,"sentiment":"neutral","sentiment_score":0.21398550271987915},{"text":"Do you feel that you are comfortable taking on a little bit more high growth to get that growth long term?","start":945.925,"end":953.72003,"sentiment":"neutral","sentiment_score":0.27307032971155076},{"text":"Are you feeling a little bit more risk advanced?","start":953.86,"end":956.52,"sentiment":"neutral","sentiment_score":-0.10722863094674216},{"text":"Would you like to change it?","start":956.74,"end":958.60004,"sentiment":"neutral","sentiment_score":-0.07675611538191636},{"text":"What do you think?","start":959.22003,"end":960.28,"sentiment":"neutral","sentiment_score":0.02072071935981512}],"sentiment":"neutral","sentiment_score":0.12531199892784686,"channel":0,"num_words":47,"start":943.84503,"end":960.28},{"sentences":[{"text":"Usually, I'm happy to go with the high growth, but I'm not sure about this upcoming year.","start":962.81,"end":971.07,"sentiment":"neutral","sentiment_score":0.01826828411396812}],"sentiment":"neutral","sentiment_score":0.01826828411396812,"channel":1,"num_words":17,"start":962.81,"end":971.07},{"sentences":[{"text":"Yeah.","start":971.645,"end":972.145,"sentiment":"neutral","sentiment_score":-0.04105030372738838}],"sentiment":"neutral","sentiment_score":-0.04105030372738838,"channel":0,"num_words":1,"start":971.645,"end":972.145},{"sentences":[{"text":"But","start":973.05,"end":973.52997,"sentiment":"neutral","sentiment_score":-0.11603093147277832}],"sentiment":"neutral","sentiment_score":-0.11603093147277832,"channel":1,"num_words":1,"start":973.05,"end":973.52997},{"sentences":[{"text":"It's","start":973.085,"end":973.585,"sentiment":"neutral","sentiment_score":-0.14615589380264282}],"sentiment":"neutral","sentiment_score":-0.14615589380264282,"channel":0,"num_words":1,"start":973.085,"end":973.585},{"sentences":[{"text":"I'm not","start":973.52997,"end":973.85,"sentiment":"neutral","sentiment_score":-0.18807923048734665}],"sentiment":"neutral","sentiment_score":-0.18807923048734665,"channel":1,"num_words":2,"start":973.52997,"end":973.85},{"sentences":[{"text":"ultimately,","start":973.645,"end":974.145,"sentiment":"neutral","sentiment_score":-0.232098788022995}],"sentiment":"neutral","sentiment_score":-0.232098788022995,"channel":0,"num_words":1,"start":973.645,"end":974.145},{"sentences":[{"text":"I'm not an expert.","start":973.85,"end":975.0,"sentiment":"neutral","sentiment_score":-0.24334023520350456}],"sentiment":"neutral","sentiment_score":-0.24334023520350456,"channel":1,"num_words":4,"start":973.85,"end":975.0},{"sentences":[{"text":"up yeah.","start":975.61,"end":976.08997,"sentiment":"neutral","sentiment_score":-0.05649958364665508},{"text":"Ultimately, it's kind of up through what you are comfortable with.","start":976.08997,"end":979.37,"sentiment":"neutral","sentiment_score":0.13837708736007864},{"text":"So from a time frame point of view, you do have plenty of time until retirement.","start":979.37,"end":983.23,"sentiment":"neutral","sentiment_score":0.2008591778576374},{"text":"So we typically see, you know, a lot of clients in your age around a high growth, if not even more, because you have the time.","start":983.37,"end":990.975,"sentiment":"neutral","sentiment_score":0.14017551850814086},{"text":"But at the same time, you also then play in with your risk tolerance.","start":991.035,"end":994.975,"sentiment":"neutral","sentiment_score":0.13907843083143234}],"sentiment":"neutral","sentiment_score":0.14803706017741258,"channel":0,"num_words":69,"start":975.61,"end":994.975},{"sentences":[{"text":"But if you see a lot of fluctuations and if you have, you know, a year or so where it is down, if that's going to make you quite concerned, we could look at changing up.","start":995.435,"end":1007.0,"sentiment":"neutral","sentiment_score":-0.1191883941905366},{"text":"The only thing is by changing it, it will mean that, obviously, you would sell down some investments, so that can be a little bit of capital gains tax.","start":1007.0,"end":1015.82,"sentiment":"neutral","sentiment_score":-0.010011474890955564},{"text":"With it, we obviously try to minimize that by looking at swapping a few things out to minimize it, and it is more of your your long term investment.","start":1016.12006,"end":1026.385,"sentiment":"neutral","sentiment_score":0.13890654439556188},{"text":"So, typically, if we are decreasing it, which we're more than happy to do if you are comp if you would prefer, It is something that you ideally want to leave for a longer period of time.","start":1026.385,"end":1036.88,"sentiment":"neutral","sentiment_score":0.15422003232949488},{"text":"So it's not typically something you want to do each year.","start":1037.18,"end":1040.78,"sentiment":"neutral","sentiment_score":0.015603951771150936}],"sentiment":"neutral","sentiment_score":0.03749971472146645,"channel":0,"num_words":142,"start":995.435,"end":1040.78},{"sentences":[{"text":"You wanna unless you you get to a point where you are getting close to retirement, then we do wanna, you know, gradually take it down the rest.","start":1040.78,"end":1048.3201,"sentiment":"neutral","sentiment_score":0.0522437243323241}],"sentiment":"neutral","sentiment_score":0.0522437243323241,"channel":0,"num_words":28,"start":1040.78,"end":1048.3201},{"sentences":[{"text":"I'll just keep it as it is then.","start":1048.93,"end":1050.63,"sentiment":"neutral","sentiment_score":0.23823107220232487}],"sentiment":"neutral","sentiment_score":0.23823107220232487,"channel":1,"num_words":8,"start":1048.93,"end":1050.63},{"sentences":[{"text":"Yeah?","start":1050.8251,"end":1051.3251,"sentiment":"neutral","sentiment_score":0.07021437585353851},{"text":"Are you sure?","start":1051.385,"end":1052.2051,"sentiment":"neutral","sentiment_score":0.06211052338282267}],"sentiment":"neutral","sentiment_score":0.06413648650050163,"channel":0,"num_words":4,"start":1050.8251,"end":1052.2051},{"sentences":[{"text":"Yeah.","start":1051.81,"end":1052.31,"sentiment":"neutral","sentiment_score":0.05974043160676956},{"text":"Yeah.","start":1052.45,"end":1052.77,"sentiment":"neutral","sentiment_score":0.06579326093196869},{"text":"I","start":1052.77,"end":1052.93,"sentiment":"neutral","sentiment_score":0.04851525649428368}],"sentiment":"neutral","sentiment_score":0.058016316344340645,"channel":1,"num_words":3,"start":1051.81,"end":1052.93},{"sentences":[{"text":"Okay.","start":1052.905,"end":1053.405,"sentiment":"neutral","sentiment_score":0.06281158328056335}],"sentiment":"neutral","sentiment_score":0.06281158328056335,"channel":0,"num_words":1,"start":1052.905,"end":1053.405},{"sentences":[{"text":"to be honest, I didn't need to look at my thing properly, so it doesn't stress","start":1053.01,"end":1057.33,"sentiment":"neutral","sentiment_score":-0.013601113896584138}],"sentiment":"neutral","sentiment_score":-0.013601113896584138,"channel":1,"num_words":16,"start":1053.01,"end":1057.33},{"sentences":[{"text":"Yeah.","start":1057.0651,"end":1057.5651,"sentiment":"neutral","sentiment_score":-0.011166084557771684}],"sentiment":"neutral","sentiment_score":-0.011166084557771684,"channel":0,"num_words":1,"start":1057.0651,"end":1057.5651},{"sentences":[{"text":"me out.","start":1057.33,"end":1057.99,"sentiment":"neutral","sentiment_score":-0.008767499588429928}],"sentiment":"neutral","sentiment_score":-0.008767499588429928,"channel":1,"num_words":2,"start":1057.33,"end":1057.99},{"sentences":[{"text":"Okay.","start":1058.3451,"end":1058.8251,"sentiment":"neutral","sentiment_score":0.21940933167934415},{"text":"Perfect.","start":1058.8251,"end":1059.3251,"sentiment":"positive","sentiment_score":0.4450387954711914},{"text":"And kind of like we touched on already as well that, you know, in a high growth portfolio, typically, the likelihood of a negative return, now that is obviously you don't know what's going to happen in the world, or the market, we see about one in every five years.","start":1059.865,"end":1074.3,"sentiment":"neutral","sentiment_score":-0.06971181496977806},{"text":"So during, obviously, their investing period, there's going to be times like now, for example, where we've seen a lot more changes, and things aren't obviously growing as much.","start":1074.3,"end":1085.355,"sentiment":"neutral","sentiment_score":-0.031218212290570653},{"text":"But then with how your investments are invested as well, it will grow long term.","start":1085.415,"end":1090.77,"sentiment":"neutral","sentiment_score":0.21088750412066778}],"sentiment":"neutral","sentiment_score":-0.0058662314161968725,"channel":0,"num_words":96,"start":1058.3451,"end":1090.77},{"sentences":[{"text":"Now if we obviously see that there are some of those investments that need to be structurally changed, then we can still do so.","start":1090.85,"end":1097.5701,"sentiment":"neutral","sentiment_score":0.04835106634224454},{"text":"And I do wanna kind of go through the investments a little bit with you, and there is one that I'm would like to swap out for you if you're happy to do so.","start":1097.5701,"end":1106.23,"sentiment":"neutral","sentiment_score":0.1875455204178305},{"text":"But,","start":1106.795,"end":1107.115,"sentiment":"neutral","sentiment_score":0.07104389369487762}],"sentiment":"neutral","sentiment_score":0.12894944373076245,"channel":0,"num_words":59,"start":1090.85,"end":1107.115},{"sentences":[{"text":"Yep.","start":1106.9701,"end":1107.4701,"sentiment":"neutral","sentiment_score":0.10041161626577376}],"sentiment":"neutral","sentiment_score":0.10041161626577376,"channel":1,"num_words":1,"start":1106.9701,"end":1107.4701},{"sentences":[{"text":"otherwise, we'll leave high growth for now.","start":1107.115,"end":1109.6749,"sentiment":"neutral","sentiment_score":-0.007693209818431309},{"text":"Now if you wanna obviously revisit that at any point in time, if you don't feel comfortable, just give me a call or we can kind of reassess it at next under review.","start":1109.6749,"end":1118.095,"sentiment":"neutral","sentiment_score":0.0806087674678896},{"text":"So given the time frame you have for the fluctuations, it's it's a suitable portfolio as long as, yeah, you are kind of comfortable with that.","start":1118.48,"end":1127.54,"sentiment":"neutral","sentiment_score":0.1764077045596563}],"sentiment":"neutral","sentiment_score":0.10898238145852122,"channel":0,"num_words":66,"start":1107.115,"end":1127.54},{"sentences":[{"text":"Yep.","start":1128.4651,"end":1128.9651,"sentiment":"neutral","sentiment_score":0.12242617458105089}],"sentiment":"neutral","sentiment_score":0.12242617458105089,"channel":1,"num_words":1,"start":1128.4651,"end":1128.9651},{"sentences":[{"text":"Yeah.","start":1129.2001,"end":1129.6,"sentiment":"neutral","sentiment_score":0.18335917592048645},{"text":"Perfect.","start":1129.6,"end":1130.1,"sentiment":"neutral","sentiment_score":0.2602674067020416},{"text":"Now are you still driving, or do you have access to your emails?","start":1131.295,"end":1134.8351,"sentiment":"neutral","sentiment_score":0.014218850204577813}],"sentiment":"neutral","sentiment_score":0.04189810901880264,"channel":0,"num_words":15,"start":1129.2001,"end":1134.8351},{"sentences":[{"text":"Driving at the moment.","start":1136.46,"end":1137.6,"sentiment":"neutral","sentiment_score":-0.047116657719016075},{"text":"I can't","start":1137.74,"end":1138.0599,"sentiment":"neutral","sentiment_score":-0.09829442948102951}],"sentiment":"neutral","sentiment_score":-0.06417591497302055,"channel":1,"num_words":6,"start":1136.46,"end":1138.0599},{"sentences":[{"text":"Okay.","start":1137.935,"end":1138.435,"sentiment":"neutral","sentiment_score":-0.07047948241233826}],"sentiment":"neutral","sentiment_score":-0.07047948241233826,"channel":0,"num_words":1,"start":1137.935,"end":1138.435},{"sentences":[{"text":"pull over.","start":1138.0599,"end":1138.62,"sentiment":"neutral","sentiment_score":-0.08467988297343254},{"text":"I need to.","start":1138.62,"end":1139.36,"sentiment":"neutral","sentiment_score":-0.06624109049638112}],"sentiment":"neutral","sentiment_score":-0.0736166074872017,"channel":1,"num_words":5,"start":1138.0599,"end":1139.36},{"sentences":[{"text":"No.","start":1140.255,"end":1140.495,"sentiment":"neutral","sentiment_score":-0.08298985660076141},{"text":"It's up to you.","start":1140.495,"end":1141.4551,"sentiment":"neutral","sentiment_score":-0.02124201226979494},{"text":"I have sent you an email with some documents.","start":1141.4551,"end":1144.175,"sentiment":"neutral","sentiment_score":0.10502121845881145},{"text":"I quickly wanna run through it with you.","start":1144.175,"end":1146.51,"sentiment":"neutral","sentiment_score":0.22415628656744957},{"text":"The only reason I do ask if you have access to your emails is that it makes it a bit more interactive for you.","start":1147.0701,"end":1152.61,"sentiment":"neutral","sentiment_score":0.1412077920200924}],"sentiment":"neutral","sentiment_score":0.12955370351024295,"channel":0,"num_words":46,"start":1140.255,"end":1152.61},{"sentences":[{"text":"But if you are happy for me to just kind of run through the documents while you're driving, then I'm happy to do so.","start":1152.67,"end":1159.0701,"sentiment":"positive","sentiment_score":0.6185632683336735},{"text":"And then when you you know, it's obviously safe for you to do so.","start":1159.0701,"end":1161.645,"sentiment":"positive","sentiment_score":0.5983297526836395},{"text":"And when you have some time, you can just have a look over them.","start":1161.645,"end":1164.8451,"sentiment":"positive","sentiment_score":0.4011516145297459},{"text":"And then if you have any questions, you can always give me a callback.","start":1164.8451,"end":1167.505,"sentiment":"neutral","sentiment_score":0.2649752465741975}],"sentiment":"positive","sentiment_score":0.49315016716718674,"channel":0,"num_words":66,"start":1152.67,"end":1167.505},{"sentences":[{"text":"Okay.","start":1168.61,"end":1168.85,"sentiment":"neutral","sentiment_score":0.2318211644887924},{"text":"Yeah.","start":1168.85,"end":1169.01,"sentiment":"neutral","sentiment_score":0.2948876619338989},{"text":"That should be fine.","start":1169.01,"end":1169.99,"sentiment":"positive","sentiment_score":0.4609040394425392}],"sentiment":"positive","sentiment_score":0.3950541640321414,"channel":1,"num_words":6,"start":1168.61,"end":1169.99},{"sentences":[{"text":"Yeah.","start":1169.7251,"end":1170.2251,"sentiment":"neutral","sentiment_score":0.3234432339668274},{"text":"Yeah.","start":1170.285,"end":1170.6051,"sentiment":"positive","sentiment_score":0.3462708294391632},{"text":"Okay.","start":1170.6051,"end":1171.005,"sentiment":"positive","sentiment_score":0.5196141004562378},{"text":"Perfect.","start":1171.005,"end":1171.505,"sentiment":"positive","sentiment_score":0.6952628493309021},{"text":"So have a look through your emails when you have a moment.","start":1171.5651,"end":1174.6051,"sentiment":"neutral","sentiment_score":0.3162934792538484}],"sentiment":"positive","sentiment_score":0.35500704776495695,"channel":0,"num_words":16,"start":1169.7251,"end":1174.6051},{"sentences":[{"text":"Now we have just changed our software.","start":1174.6051,"end":1177.19,"sentiment":"neutral","sentiment_score":0.08426295486944062},{"text":"So it's going to look a little bit different through the DocuSign that you are used through.","start":1177.25,"end":1182.79,"sentiment":"neutral","sentiment_score":0.08967043547069325},{"text":"It's still kind of the same, though, with the digital signature, but it will look a little bit different.","start":1183.01,"end":1187.35,"sentiment":"neutral","sentiment_score":0.06038587795276391},{"text":"So when you do get the email, before you click on the link, there are a couple of attachments.","start":1187.41,"end":1194.035,"sentiment":"neutral","sentiment_score":0.08937108124557294},{"text":"So these are all the attachments, just for your reference that you don't need to sign, but it's all there so you can have a look at it.","start":1194.095,"end":1201.375,"sentiment":"neutral","sentiment_score":0.19187848748905317}],"sentiment":"neutral","sentiment_score":0.11480242179499732,"channel":0,"num_words":90,"start":1174.6051,"end":1201.375},{"sentences":[{"text":"So when you do have a look at it, you will see, the first one, which is your Vanguard index chart.","start":1201.375,"end":1207.7001,"sentiment":"neutral","sentiment_score":0.18201264455204919},{"text":"Now you probably would have seen this last time, at your under review.","start":1208.0,"end":1211.4401,"sentiment":"neutral","sentiment_score":0.131611278710457},{"text":"It's a bit of an updated one, but it is","start":1211.4401,"end":1214.3201,"sentiment":"neutral","sentiment_score":0.2090153932571411}],"sentiment":"neutral","sentiment_score":0.17325832025909965,"channel":0,"num_words":44,"start":1201.375,"end":1214.3201},{"sentences":[{"text":"Yep.","start":1214.2,"end":1214.7,"sentiment":"positive","sentiment_score":0.4424374997615814}],"sentiment":"positive","sentiment_score":0.4424374997615814,"channel":1,"num_words":1,"start":1214.2,"end":1214.7},{"sentences":[{"text":"a good one to to kind of give you a good visual representation of what we are talking about when we're talking about the market.","start":1214.3201,"end":1222.195,"sentiment":"positive","sentiment_score":0.5193310594558715},{"text":"Especially in kind of today's environment as well, it is good to kind of see that more long term picture.","start":1222.495,"end":1228.61,"sentiment":"positive","sentiment_score":0.4574067234992981},{"text":"So when you do have a look at it, you will see that it goes back to 1995 and then all the ups and downs that's happened in the world since then until 2025.","start":1228.75,"end":1239.57,"sentiment":"neutral","sentiment_score":0.08946030860876336},{"text":"Now","start":1240.285,"end":1240.785,"sentiment":"neutral","sentiment_score":0.12175433337688446}],"sentiment":"neutral","sentiment_score":0.31618519728071987,"channel":0,"num_words":80,"start":1214.3201,"end":1240.785},{"sentences":[{"text":"Yep.","start":1240.6051,"end":1241.1051,"sentiment":"neutral","sentiment_score":0.14594030380249023}],"sentiment":"neutral","sentiment_score":0.14594030380249023,"channel":1,"num_words":1,"start":1240.6051,"end":1241.1051},{"sentences":[{"text":"it also breaks down the different asset classes.","start":1241.005,"end":1243.505,"sentiment":"neutral","sentiment_score":0.13660530745983124},{"text":"So it breaks down your US shares, Australian shares, international shares, and property.","start":1243.645,"end":1249.025,"sentiment":"neutral","sentiment_score":0.1272802478992022},{"text":"Now these top four are your growth investments, like I mentioned earlier.","start":1249.405,"end":1254.7051,"sentiment":"neutral","sentiment_score":0.2822269449631373},{"text":"And then you have your bottom three, which are your defensive.","start":1255.19,"end":1258.25,"sentiment":"neutral","sentiment_score":0.19707945751195605},{"text":"And when you do have a look at it, you will see that the the growth investments, these are the ones that have grown, significantly the most, but they also fluctuate the most in the short term.","start":1258.5499,"end":1270.455,"sentiment":"neutral","sentiment_score":0.15075655019766576}],"sentiment":"neutral","sentiment_score":0.17135895570211204,"channel":0,"num_words":81,"start":1241.005,"end":1270.455},{"sentences":[{"text":"Now when you do have a look at it as well is that when you when you look at it, you will see that the biggest drops in the market are quite closely followed by big increases again.","start":1271.6549,"end":1285.195,"sentiment":"neutral","sentiment_score":0.05812817959016875},{"text":"Typically speaking","start":1285.77,"end":1286.41,"sentiment":"neutral","sentiment_score":0.0936233326792717}],"sentiment":"neutral","sentiment_score":0.0599029372446239,"channel":0,"num_words":40,"start":1271.6549,"end":1286.41},{"sentences":[{"text":"Yep.","start":1286.245,"end":1286.745,"sentiment":"neutral","sentiment_score":0.10803553462028503}],"sentiment":"neutral","sentiment_score":0.10803553462028503,"channel":1,"num_words":1,"start":1286.245,"end":1286.745},{"sentences":[{"text":"as well, obviously, we don't wanna sell out unless there is structural issues or we don't foresee anything coming back around.","start":1286.41,"end":1292.99,"sentiment":"neutral","sentiment_score":-0.07714524096809328},{"text":"You wanna obviously avoid sometimes selling at the bottom because that's when you only crystallize the losses while you're selling at the bottom, and sometimes that's even a good buying opportunity for potentially buying a little bit cheaper as long as you obviously foresee that to come back around.","start":1293.29,"end":1307.505,"sentiment":"neutral","sentiment_score":0.11704681091466729},{"text":"So","start":1308.4451,"end":1308.9451,"sentiment":"neutral","sentiment_score":0.21617373824119568}],"sentiment":"neutral","sentiment_score":0.06100587905253428,"channel":0,"num_words":71,"start":1286.41,"end":1308.9451},{"sentences":[{"text":"Yep.","start":1308.5801,"end":1309.0801,"sentiment":"neutral","sentiment_score":0.2568280100822449}],"sentiment":"neutral","sentiment_score":0.2568280100822449,"channel":1,"num_words":1,"start":1308.5801,"end":1309.0801},{"sentences":[{"text":"that Vandex index chart, it just kind of gives you a good visualization of that, essentially,","start":1309.005,"end":1313.505,"sentiment":"neutral","sentiment_score":0.289861680008471}],"sentiment":"neutral","sentiment_score":0.289861680008471,"channel":0,"num_words":16,"start":1309.005,"end":1313.505},{"sentences":[{"text":"Yep.","start":1315.155,"end":1315.655,"sentiment":"neutral","sentiment_score":0.1847231239080429}],"sentiment":"neutral","sentiment_score":0.1847231239080429,"channel":1,"num_words":1,"start":1315.155,"end":1315.655},{"sentences":[{"text":"Which then takes us through your portfolio.","start":1315.4099,"end":1317.75,"sentiment":"neutral","sentiment_score":0.1631642941917692},{"text":"So part of it as well, you will see a twelve month report.","start":1317.89,"end":1321.35,"sentiment":"neutral","sentiment_score":0.16683404720746553},{"text":"Now this one here shows you all your all your investments, how they have performed over the last twelve months.","start":1321.89,"end":1329.455,"sentiment":"neutral","sentiment_score":0.23596788421273232},{"text":"Now everything is net of fees.","start":1329.455,"end":1331.715,"sentiment":"neutral","sentiment_score":0.056389592277506985},{"text":"So like I said, obviously, there's been a lot of fluctuations in the market over the last twelve months.","start":1332.1749,"end":1337.5549,"sentiment":"neutral","sentiment_score":-0.033652590881837044}],"sentiment":"neutral","sentiment_score":0.11891213360314186,"channel":0,"num_words":65,"start":1315.4099,"end":1337.5549},{"sentences":[{"text":"So after after all fees have come out of your account, your portfolio and now this doesn't include contributions.","start":1338.8949,"end":1347.12,"sentiment":"neutral","sentiment_score":-0.003403054011103354},{"text":"That is just your investment.","start":1347.26,"end":1348.8,"sentiment":"neutral","sentiment_score":0.014625244587659837},{"text":"It has gone up by about 0.24%.","start":1349.66,"end":1353.52,"sentiment":"neutral","sentiment_score":0.0816373521728175},{"text":"So it's still gone up a little bit.","start":1355.115,"end":1356.9751,"sentiment":"neutral","sentiment_score":0.01615747227333486},{"text":"Obviously, there has been a lot of fluctuations in the market like I mentioned.","start":1357.115,"end":1360.895,"sentiment":"neutral","sentiment_score":-0.09278490580618382}],"sentiment":"neutral","sentiment_score":-0.011128287569110124,"channel":0,"num_words":53,"start":1338.8949,"end":1360.895},{"sentences":[{"text":"But one of the investments in your portfolio, which is the one that kind of underperformed the most, I would like to look at changing if you are happy to do so.","start":1361.995,"end":1374.22,"sentiment":"neutral","sentiment_score":-0.03687489203457517},{"text":"So that is your Benelong Australian equity.","start":1374.6,"end":1379.16,"sentiment":"neutral","sentiment_score":0.10962466150522232},{"text":"So when you have a look at that, it's your top managed fund option when you look at this report.","start":1379.16,"end":1383.6549,"sentiment":"neutral","sentiment_score":0.12551918886601926},{"text":"So it might look a little bit messy, but it's the Benelon","start":1384.2749,"end":1388.0549,"sentiment":"neutral","sentiment_score":0.048935014133652054}],"sentiment":"neutral","sentiment_score":0.037816620174005076,"channel":0,"num_words":71,"start":1361.995,"end":1388.0549},{"sentences":[{"text":"Yes.","start":1387.76,"end":1388.26,"sentiment":"neutral","sentiment_score":0.10070831328630447}],"sentiment":"neutral","sentiment_score":0.10070831328630447,"channel":1,"num_words":1,"start":1387.76,"end":1388.26},{"sentences":[{"text":"Australian equity one.","start":1388.115,"end":1389.715,"sentiment":"neutral","sentiment_score":0.10155191520849864},{"text":"Now the reason is that when we originally added this to your portfolio when you came on board, it was doing really, really well.","start":1389.715,"end":1397.25,"sentiment":"positive","sentiment_score":0.5097579931219419},{"text":"It was one of the top performing fund managers at the time, and they have done really well.","start":1397.25,"end":1402.71,"sentiment":"positive","sentiment_score":0.6100683394405577},{"text":"Now the purpose of that investment was to try to investment in order","start":1403.09,"end":1416.865,"sentiment":"neutral","sentiment_score":0.2598061573046904}],"sentiment":"positive","sentiment_score":0.4637509954386744,"channel":0,"num_words":58,"start":1388.115,"end":1416.865},{"sentences":[{"text":"Yep.","start":1416.8401,"end":1417.3401,"sentiment":"positive","sentiment_score":0.37433719635009766}],"sentiment":"positive","sentiment_score":0.37433719635009766,"channel":1,"num_words":1,"start":1416.8401,"end":1417.3401},{"sentences":[{"text":"to tryna outperform the market, which they had done really, really well at.","start":1416.865,"end":1422.065,"sentiment":"positive","sentiment_score":0.4980314259345715},{"text":"But more recently, some of their, choices in the investments haven't performed as well.","start":1422.065,"end":1428.3301,"sentiment":"neutral","sentiment_score":-0.3037073825086866},{"text":"They've been a little bit slower with making changes as well.","start":1428.3301,"end":1431.55,"sentiment":"negative","sentiment_score":-0.5625919564203783},{"text":"And, also, one of the other reasons why, that investment kind of underperformed a little bit was that one of the, kind of underperformed a little bit was that one of the companies that they had in their portfolio was the Corporate Travel Group.","start":1432.17,"end":1444.665,"sentiment":"neutral","sentiment_score":-0.30896511267532},{"text":"I'm not sure if you've heard of it.","start":1444.665,"end":1446.745,"sentiment":"neutral","sentiment_score":-0.15209175739437342}],"sentiment":"neutral","sentiment_score":-0.2086356150607268,"channel":0,"num_words":90,"start":1416.865,"end":1446.745},{"sentences":[{"text":"It was on the news and stuff like that as well.","start":1446.745,"end":1449.245,"sentiment":"neutral","sentiment_score":-0.14239456098188052}],"sentiment":"neutral","sentiment_score":-0.14239456098188052,"channel":0,"num_words":11,"start":1446.745,"end":1449.245},{"sentences":[{"text":"What was the cold, sir?","start":1449.49,"end":1450.695,"sentiment":"neutral","sentiment_score":-0.09059570431709289}],"sentiment":"neutral","sentiment_score":-0.09059570431709289,"channel":1,"num_words":5,"start":1449.49,"end":1450.695},{"sentences":[{"text":"Corporate Travel Group.","start":1451.25,"end":1452.87,"sentiment":"neutral","sentiment_score":-0.090451180934906}],"sentiment":"neutral","sentiment_score":-0.090451180934906,"channel":0,"num_words":3,"start":1451.25,"end":1452.87},{"sentences":[{"text":"Not everything, sir.","start":1454.0549,"end":1455.195,"sentiment":"neutral","sentiment_score":-0.23341436187426248}],"sentiment":"neutral","sentiment_score":-0.23341436187426248,"channel":1,"num_words":3,"start":1454.0549,"end":1455.195},{"sentences":[{"text":"No.","start":1454.85,"end":1455.35,"sentiment":"neutral","sentiment_score":-0.23914778232574463},{"text":"Essentially, it was a company where they weren't really disclosing their reporting correctly.","start":1456.2899,"end":1463.11,"sentiment":"neutral","sentiment_score":-0.25621910851735336},{"text":"So because","start":1463.955,"end":1464.595,"sentiment":"neutral","sentiment_score":-0.2673530578613281}],"sentiment":"neutral","sentiment_score":-0.25654389429837465,"channel":0,"num_words":16,"start":1454.85,"end":1464.595},{"sentences":[{"text":"Yep.","start":1464.3501,"end":1464.8501,"sentiment":"neutral","sentiment_score":-0.2546640932559967}],"sentiment":"neutral","sentiment_score":-0.2546640932559967,"channel":1,"num_words":1,"start":1464.3501,"end":1464.8501},{"sentences":[{"text":"of that, it actually caused a suspense from trading.","start":1464.595,"end":1468.0549,"sentiment":"negative","sentiment_score":-0.43434038096004063},{"text":"And kind of because of that, obviously, the the investments fell.","start":1468.595,"end":1471.975,"sentiment":"negative","sentiment_score":-0.33820216764103284},{"text":"Now we've","start":1472.035,"end":1472.595,"sentiment":"neutral","sentiment_score":-0.11455535888671875}],"sentiment":"negative","sentiment_score":-0.35719990865750745,"channel":0,"num_words":22,"start":1464.595,"end":1472.595},{"sentences":[{"text":"Yep.","start":1472.3501,"end":1472.51,"sentiment":"neutral","sentiment_score":-0.024029051885008812},{"text":"Yep.","start":1472.51,"end":1473.01,"sentiment":"neutral","sentiment_score":0.04095698520541191}],"sentiment":"neutral","sentiment_score":0.00846396666020155,"channel":1,"num_words":2,"start":1472.3501,"end":1473.01},{"sentences":[{"text":"done a lot of investments on all your investments, and some of them are more your cyclical changes Where it's, for example, the beta share cybersecurity, which is one of your satellite investments, it's more of what is going on in the world.","start":1472.595,"end":1487.22,"sentiment":"neutral","sentiment_score":0.022232405917155883},{"text":"We still very much believe in that investment, so we then don't wanna sell out of those.","start":1487.22,"end":1491.705,"sentiment":"neutral","sentiment_score":-0.016802679089938894},{"text":"But the Benelong one, we do see that because they're a bit of it slower in making those changes, and because it has that active component, they are a little bit more expensive.","start":1492.105,"end":1502.205,"sentiment":"negative","sentiment_score":-0.3377904131105452},{"text":"So the investment committee","start":1502.745,"end":1504.105,"sentiment":"neutral","sentiment_score":-0.15662267990410328}],"sentiment":"neutral","sentiment_score":-0.11446625198304806,"channel":0,"num_words":97,"start":1472.595,"end":1504.105},{"sentences":[{"text":"Yep.","start":1503.76,"end":1504.26,"sentiment":"neutral","sentiment_score":-0.04357147216796875}],"sentiment":"neutral","sentiment_score":-0.04357147216796875,"channel":1,"num_words":1,"start":1503.76,"end":1504.26},{"sentences":[{"text":"have done extensive research on all the investments and kind of come to the decision as well that we would like to swap it out because we don't foresee kind of increasing as much or be the best option moving forward.","start":1504.105,"end":1516.48,"sentiment":"neutral","sentiment_score":-0.127237605067288},{"text":"So","start":1517.26,"end":1517.76,"sentiment":"neutral","sentiment_score":0.0054963454604148865}],"sentiment":"neutral","sentiment_score":-0.1240772729118665,"channel":0,"num_words":42,"start":1504.105,"end":1517.76},{"sentences":[{"text":"Yep.","start":1517.3151,"end":1517.8151,"sentiment":"neutral","sentiment_score":0.02065264992415905}],"sentiment":"neutral","sentiment_score":0.02065264992415905,"channel":1,"num_words":1,"start":1517.3151,"end":1517.8151},{"sentences":[{"text":"because you are obviously selling out of an Australian investment, we have come up with another investment option to change it for, which is your a 200.","start":1517.9,"end":1529.4551,"sentiment":"neutral","sentiment_score":-0.13518948494284241},{"text":"So, again, it is including your Australian investment, but it is a little bit more simplified in that you are not actively trying to buy and sell investments.","start":1529.515,"end":1537.775,"sentiment":"neutral","sentiment_score":0.06812344059082014},{"text":"And instead, you're kind of tracking the 200 largest companies on the ASX or in Australia.","start":1538.21,"end":1543.99,"sentiment":"neutral","sentiment_score":0.1022173804230988},{"text":"So as a company","start":1544.37,"end":1545.41,"sentiment":"neutral","sentiment_score":0.152206314727664}],"sentiment":"neutral","sentiment_score":0.006688581183552742,"channel":0,"num_words":75,"start":1517.9,"end":1545.41},{"sentences":[{"text":"Yep.","start":1544.995,"end":1545.495,"sentiment":"neutral","sentiment_score":0.10520592331886292}],"sentiment":"neutral","sentiment_score":0.10520592331886292,"channel":1,"num_words":1,"start":1544.995,"end":1545.495},{"sentences":[{"text":"kind of grows, they get included on it.","start":1545.41,"end":1547.67,"sentiment":"neutral","sentiment_score":0.12513797730207443},{"text":"As a company doesn't grow, don't do as well, it kind of falls off.","start":1547.73,"end":1552.455,"sentiment":"neutral","sentiment_score":-0.05232161682631288},{"text":"So it's kind of a little bit more steady while still having the growth.","start":1552.5349,"end":1556.475,"sentiment":"neutral","sentiment_score":0.24092921987175941},{"text":"And because of that, it is actually making the investments a little bit cheaper, and it has also performed a little bit better.","start":1557.015,"end":1564.075,"sentiment":"positive","sentiment_score":0.5700362557950227}],"sentiment":"neutral","sentiment_score":0.28393973125997235,"channel":0,"num_words":59,"start":1545.41,"end":1564.075},{"sentences":[{"text":"Yep.","start":1564.975,"end":1565.475,"sentiment":"positive","sentiment_score":0.4109145998954773}],"sentiment":"positive","sentiment_score":0.4109145998954773,"channel":1,"num_words":1,"start":1564.975,"end":1565.475},{"sentences":[{"text":"Are you happy for us to go and make that change for you?","start":1565.68,"end":1570.18,"sentiment":"positive","sentiment_score":0.6415937909713159}],"sentiment":"positive","sentiment_score":0.6415937909713159,"channel":0,"num_words":13,"start":1565.68,"end":1570.18},{"sentences":[{"text":"Yes.","start":1570.895,"end":1571.395,"sentiment":"positive","sentiment_score":0.3357279598712921}],"sentiment":"positive","sentiment_score":0.3357279598712921,"channel":1,"num_words":1,"start":1570.895,"end":1571.395},{"sentences":[{"text":"Yeah.","start":1571.76,"end":1572.0,"sentiment":"neutral","sentiment_score":0.3002259135246277},{"text":"Okay.","start":1572.0,"end":1572.4,"sentiment":"neutral","sentiment_score":0.23634697496891025},{"text":"So what I will do just for your record so that you have it, I will get the team to email you.","start":1572.4,"end":1578.9,"sentiment":"neutral","sentiment_score":0.21556971154429697},{"text":"It's called a record of advice.","start":1578.96,"end":1581.14,"sentiment":"neutral","sentiment_score":0.21554541091124216},{"text":"You don't have to sign it.","start":1581.375,"end":1582.575,"sentiment":"neutral","sentiment_score":0.13425116489330927}],"sentiment":"neutral","sentiment_score":0.20494127770264944,"channel":0,"num_words":36,"start":1571.76,"end":1582.575},{"sentences":[{"text":"It's just for your records to indicate the the swap by Benelung Australian Equity to the a 200 just so you have it for your record.","start":1582.575,"end":1590.995,"sentiment":"neutral","sentiment_score":0.24497432605578348}],"sentiment":"neutral","sentiment_score":0.24497432605578348,"channel":0,"num_words":26,"start":1582.575,"end":1590.995},{"sentences":[{"text":"Yep.","start":1592.225,"end":1592.725,"sentiment":"neutral","sentiment_score":0.1915670484304428}],"sentiment":"neutral","sentiment_score":0.1915670484304428,"channel":1,"num_words":1,"start":1592.225,"end":1592.725},{"sentences":[{"text":"And we'll go ahead and make that change.","start":1592.575,"end":1594.915,"sentiment":"neutral","sentiment_score":0.2984571475535631},{"text":"Now, otherwise, when it comes through the documents, so almost finished, you will have a super insurance summary.","start":1595.8401,"end":1602.3401,"sentiment":"neutral","sentiment_score":0.14386922328008545},{"text":"That one basically shows you your current superannuation balance.","start":1603.2001,"end":1607.2201,"sentiment":"neutral","sentiment_score":0.13760942882961696},{"text":"So at the moment, it's at 137,701.","start":1607.36,"end":1612.875,"sentiment":"neutral","sentiment_score":0.10439700101103101},{"text":"And then you also have your Clearview insurances.","start":1613.335,"end":1615.915,"sentiment":"neutral","sentiment_score":0.08677089214324951}],"sentiment":"neutral","sentiment_score":0.15281468406319618,"channel":0,"num_words":50,"start":1592.575,"end":1615.915},{"sentences":[{"text":"So you have life and total permanent disability.","start":1616.455,"end":1620.075,"sentiment":"neutral","sentiment_score":0.09024827647954226},{"text":"Now that is 1,575,075 worth of that.","start":1620.79,"end":1626.89,"sentiment":"neutral","sentiment_score":0.10816798997776848}],"sentiment":"neutral","sentiment_score":0.09861080944538117,"channel":0,"num_words":15,"start":1616.455,"end":1626.89},{"sentences":[{"text":"Yep.","start":1628.165,"end":1628.665,"sentiment":"neutral","sentiment_score":0.07563838362693787}],"sentiment":"neutral","sentiment_score":0.07563838362693787,"channel":1,"num_words":1,"start":1628.165,"end":1628.665},{"sentences":[{"text":"And then you also have your income protection.","start":1628.47,"end":1630.57,"sentiment":"neutral","sentiment_score":0.05319291818886995},{"text":"Now your income protection is paying 6,000 sorry.","start":1630.79,"end":1635.595,"sentiment":"neutral","sentiment_score":-0.009099527960643172},{"text":"My computer just froze for a moment.","start":1635.595,"end":1637.5349,"sentiment":"neutral","sentiment_score":-0.31835828934397015},{"text":"Just bear with me.","start":1639.115,"end":1640.075,"sentiment":"neutral","sentiment_score":-0.16599975898861885},{"text":"Always like that with technology, isn't it?","start":1640.075,"end":1642.335,"sentiment":"neutral","sentiment_score":-0.12562523729034833}],"sentiment":"neutral","sentiment_score":-0.10056284119320266,"channel":0,"num_words":34,"start":1628.47,"end":1642.335},{"sentences":[{"text":"Yep.","start":1643.02,"end":1643.52,"sentiment":"neutral","sentiment_score":-0.04455656558275223}],"sentiment":"neutral","sentiment_score":-0.04455656558275223,"channel":1,"num_words":1,"start":1643.02,"end":1643.52},{"sentences":[{"text":"It's always when it doesn't work, and it's I think IT is doing something, but let me just try to get","start":1644.315,"end":1649.995,"sentiment":"neutral","sentiment_score":-0.14592270907901583}],"sentiment":"neutral","sentiment_score":-0.14592270907901583,"channel":0,"num_words":21,"start":1644.315,"end":1649.995},{"sentences":[{"text":"I'm","start":1649.765,"end":1650.005,"sentiment":"neutral","sentiment_score":0.007093846797943115}],"sentiment":"neutral","sentiment_score":0.007093846797943115,"channel":1,"num_words":1,"start":1649.765,"end":1650.005},{"sentences":[{"text":"that","start":1649.995,"end":1650.235,"sentiment":"neutral","sentiment_score":0.029911965131759644}],"sentiment":"neutral","sentiment_score":0.029911965131759644,"channel":0,"num_words":1,"start":1649.995,"end":1650.235},{"sentences":[{"text":"in for","start":1650.005,"end":1650.245,"sentiment":"neutral","sentiment_score":0.031901344656944275}],"sentiment":"neutral","sentiment_score":0.031901344656944275,"channel":1,"num_words":2,"start":1650.005,"end":1650.245},{"sentences":[{"text":"up","start":1650.235,"end":1650.51,"sentiment":"neutral","sentiment_score":0.05609561502933502}],"sentiment":"neutral","sentiment_score":0.05609561502933502,"channel":0,"num_words":1,"start":1650.235,"end":1650.51},{"sentences":[{"text":"my all","start":1650.245,"end":1650.645,"sentiment":"neutral","sentiment_score":0.04558440297842026}],"sentiment":"neutral","sentiment_score":0.04558440297842026,"channel":1,"num_words":2,"start":1650.245,"end":1650.645},{"sentences":[{"text":"for","start":1650.59,"end":1651.09,"sentiment":"neutral","sentiment_score":0.09440552443265916}],"sentiment":"neutral","sentiment_score":0.09440552443265916,"channel":0,"num_words":1,"start":1650.59,"end":1651.09},{"sentences":[{"text":"the time.","start":1650.645,"end":1651.2251,"sentiment":"neutral","sentiment_score":0.03930416516959667}],"sentiment":"neutral","sentiment_score":0.03930416516959667,"channel":1,"num_words":2,"start":1650.645,"end":1651.2251},{"sentences":[{"text":"you.","start":1652.1901,"end":1652.59,"sentiment":"neutral","sentiment_score":0.11761308461427689},{"text":"It's great when it works, but when it","start":1652.59,"end":1655.0701,"sentiment":"neutral","sentiment_score":0.302275113761425}],"sentiment":"neutral","sentiment_score":0.281757110522853,"channel":0,"num_words":9,"start":1652.1901,"end":1655.0701},{"sentences":[{"text":"Yeah.","start":1655.045,"end":1655.545,"sentiment":"neutral","sentiment_score":0.04768746346235275}],"sentiment":"neutral","sentiment_score":0.04768746346235275,"channel":1,"num_words":1,"start":1655.045,"end":1655.545},{"sentences":[{"text":"has its moments, it's let me just try to close it down for you.","start":1655.0701,"end":1659.09,"sentiment":"neutral","sentiment_score":0.05240517322506223},{"text":"Now while I wait for this to come back up, obviously, if you are expecting a bit of a a pay rise, there is a chance that, obviously, your income protection will be slightly underinsured.","start":1659.55,"end":1670.465,"sentiment":"neutral","sentiment_score":-0.07176247901682342},{"text":"So, obviously because you can have up to 70% of your income covered.","start":1671.725,"end":1675.985,"sentiment":"neutral","sentiment_score":-0.002632749338562672},{"text":"Would you like to look at increasing it, or are you still feel like the amount you are covered for will still kind of cover cover you?","start":1676.82,"end":1686.1799,"sentiment":"neutral","sentiment_score":-0.0424212491898625},{"text":"Because if we do increase it, it will get more expensive because you are covered for more, And we have to go through kind of the underwriting process again.","start":1686.1799,"end":1696.225,"sentiment":"neutral","sentiment_score":-0.1496797150065159}],"sentiment":"neutral","sentiment_score":-0.061850216484360274,"channel":0,"num_words":118,"start":1655.0701,"end":1696.225},{"sentences":[{"text":"But if you feel like it is slightly less at the moment and you want more, we can go down that path as well.","start":1696.765,"end":1703.5651,"sentiment":"neutral","sentiment_score":-0.04135489805291096},{"text":"It is up to you.","start":1703.5651,"end":1704.865,"sentiment":"neutral","sentiment_score":0.13393449187278747}],"sentiment":"neutral","sentiment_score":-0.011132589445031923,"channel":0,"num_words":29,"start":1696.765,"end":1704.865},{"sentences":[{"text":"Yep.","start":1706.495,"end":1706.995,"sentiment":"neutral","sentiment_score":0.2189427465200424},{"text":"I think I'm gonna leave it the same for now.","start":1710.495,"end":1712.755,"sentiment":"neutral","sentiment_score":0.19122845232486724}],"sentiment":"neutral","sentiment_score":0.1937479336153377,"channel":1,"num_words":11,"start":1706.495,"end":1712.755},{"sentences":[{"text":"Yep.","start":1712.86,"end":1713.36,"sentiment":"neutral","sentiment_score":0.21738046407699585},{"text":"And if it changes, obviously, when you do find out the pay rise, if it's kind of more than expected or if at any point in time you do change your mind, just give me a call again, and we can always run through it with you.","start":1713.42,"end":1728.995,"sentiment":"neutral","sentiment_score":0.14852747321128845}],"sentiment":"neutral","sentiment_score":0.1499619105209907,"channel":0,"num_words":48,"start":1712.86,"end":1728.995},{"sentences":[{"text":"Yep.","start":1729.89,"end":1730.39,"sentiment":"neutral","sentiment_score":0.08795982599258423}],"sentiment":"neutral","sentiment_score":0.08795982599258423,"channel":1,"num_words":1,"start":1729.89,"end":1730.39},{"sentences":[{"text":"Now my computer is still not really working, so I can't see the documents, but you will get email them, and you can have a look at it.","start":1731.51,"end":1739.03,"sentiment":"neutral","sentiment_score":-0.0404956117272377},{"text":"And that basically just breaks down your income protection.","start":1739.03,"end":1741.61,"sentiment":"neutral","sentiment_score":0.07967702589101261},{"text":"It also shows you the total premium for all of them.","start":1741.67,"end":1744.81,"sentiment":"neutral","sentiment_score":0.0892190347340974},{"text":"And you don't pay for them out of pocket.","start":1745.385,"end":1747.4651,"sentiment":"neutral","sentiment_score":-0.05866082374834352},{"text":"It's all through your superannuation.","start":1747.4651,"end":1749.165,"sentiment":"neutral","sentiment_score":0.03622927889227867}],"sentiment":"neutral","sentiment_score":0.0035132978622230793,"channel":0,"num_words":62,"start":1731.51,"end":1749.165},{"sentences":[{"text":"Yep.","start":1750.49,"end":1750.99,"sentiment":"neutral","sentiment_score":0.09519091248512268}],"sentiment":"neutral","sentiment_score":0.09519091248512268,"channel":1,"num_words":1,"start":1750.49,"end":1750.99},{"sentences":[{"text":"Yep.","start":1751.385,"end":1751.885,"sentiment":"neutral","sentiment_score":0.11789899319410324},{"text":"Now some other documents you will see, you will see just an updated financial services guide for you.","start":1752.425,"end":1758.4451,"sentiment":"neutral","sentiment_score":0.20252390205860138},{"text":"It's one of those compliance documents.","start":1758.54,"end":1760.38,"sentiment":"neutral","sentiment_score":0.22651288161675134},{"text":"It's just a bit of an updated version.","start":1760.38,"end":1762.06,"sentiment":"neutral","sentiment_score":0.22534288838505745},{"text":"We've had some changes to our marketing, which is great, and also a bit of an extension to the team.","start":1762.06,"end":1766.78,"sentiment":"positive","sentiment_score":0.4933926209807396}],"sentiment":"neutral","sentiment_score":0.3168490952197111,"channel":0,"num_words":53,"start":1751.385,"end":1766.78},{"sentences":[{"text":"So if you wanna have a read over, those two, it's all in there for you.","start":1766.78,"end":1771.18,"sentiment":"neutral","sentiment_score":0.29127377457916737},{"text":"Again, just if you want to, but all the important information about us is in there.","start":1771.18,"end":1776.3451,"sentiment":"neutral","sentiment_score":0.2130875438451767},{"text":"If you do have a read over it, I'm also there on page 10, I believe, in the big document if you do wanna put a face to the voice.","start":1776.3451,"end":1783.245,"sentiment":"neutral","sentiment_score":0.12379218290249507}],"sentiment":"neutral","sentiment_score":0.1900572029332961,"channel":0,"num_words":62,"start":1766.78,"end":1783.245},{"sentences":[{"text":"Yep.","start":1784.4501,"end":1784.9501,"sentiment":"neutral","sentiment_score":0.24133434891700745}],"sentiment":"neutral","sentiment_score":0.24133434891700745,"channel":1,"num_words":1,"start":1784.4501,"end":1784.9501},{"sentences":[{"text":"Perfect.","start":1785.56,"end":1785.9601,"sentiment":"neutral","sentiment_score":0.23082153499126432},{"text":"And the last thing is that when you then click on the link, it will just be asking you to sign through documents.","start":1785.9601,"end":1792.54,"sentiment":"neutral","sentiment_score":0.16289890784284342},{"text":"Now that is your ongoing service agreement, which is just to say that you are happy to stay on as a client, and we can keep servicing you.","start":1792.92,"end":1801.385,"sentiment":"positive","sentiment_score":0.5504711217113903},{"text":"But as with any time, it is not a lock in contract.","start":1801.525,"end":1804.4851,"sentiment":"neutral","sentiment_score":0.0862758116175731},{"text":"So if at any point in time you are not happy, there is no lock in contract.","start":1804.4851,"end":1808.9651,"sentiment":"neutral","sentiment_score":-0.016207300345687306}],"sentiment":"neutral","sentiment_score":0.24877127724481218,"channel":0,"num_words":81,"start":1785.56,"end":1808.9651},{"sentences":[{"text":"But, otherwise, this essentially just lets us service you make these changes and everything for you, otherwise.","start":1808.9651,"end":1814.425,"sentiment":"positive","sentiment_score":0.38371534119634065}],"sentiment":"positive","sentiment_score":0.38371534119634065,"channel":0,"num_words":17,"start":1808.9651,"end":1814.425},{"sentences":[{"text":"Yep.","start":1815.925,"end":1816.425,"sentiment":"neutral","sentiment_score":0.27935296297073364}],"sentiment":"neutral","sentiment_score":0.27935296297073364,"channel":1,"num_words":1,"start":1815.925,"end":1816.425},{"sentences":[{"text":"And then and then the last thing is just a tax file number.","start":1816.57,"end":1819.61,"sentiment":"neutral","sentiment_score":0.2581860663799139},{"text":"It's just a compliance document, basically, to say that we do keep your tax file number secure on file.","start":1819.61,"end":1824.51,"sentiment":"positive","sentiment_score":0.3371960120765786},{"text":"And that was essentially all those documents.","start":1824.65,"end":1826.91,"sentiment":"neutral","sentiment_score":0.22322964881147658},{"text":"Do you have any other questions for me, Adam?","start":1827.9299,"end":1830.51,"sentiment":"neutral","sentiment_score":0.0930341167582406}],"sentiment":"neutral","sentiment_score":0.25339703510204953,"channel":0,"num_words":48,"start":1816.57,"end":1830.51},{"sentences":[{"text":"No questions.","start":1831.5,"end":1832.24,"sentiment":"neutral","sentiment_score":0.014581902883946896}],"sentiment":"neutral","sentiment_score":0.014581902883946896,"channel":1,"num_words":2,"start":1831.5,"end":1832.24},{"sentences":[{"text":"No?","start":1832.5449,"end":1832.945,"sentiment":"neutral","sentiment_score":0.04929476976394653},{"text":"Perfect.","start":1832.945,"end":1833.445,"sentiment":"positive","sentiment_score":0.4153655171394348},{"text":"There is one thing I do wanted to quickly check with you is","start":1833.6649,"end":1837.345,"sentiment":"neutral","sentiment_score":0.17417529225349426}],"sentiment":"neutral","sentiment_score":0.1819292724132538,"channel":0,"num_words":15,"start":1832.5449,"end":1837.345},{"sentences":[{"text":"Yep.","start":1837.26,"end":1837.76,"sentiment":"neutral","sentiment_score":0.13008737564086914}],"sentiment":"neutral","sentiment_score":0.13008737564086914,"channel":1,"num_words":1,"start":1837.26,"end":1837.76},{"sentences":[{"text":"that I know you've been speaking to my colleague, Jack, in regards to potentially do you know what that's about?","start":1837.345,"end":1844.245,"sentiment":"neutral","sentiment_score":0.055787285417318346}],"sentiment":"neutral","sentiment_score":0.055787285417318346,"channel":0,"num_words":20,"start":1837.345,"end":1844.245},{"sentences":[{"text":"Yeah.","start":1844.915,"end":1845.415,"sentiment":"neutral","sentiment_score":0.013241445645689964}],"sentiment":"neutral","sentiment_score":0.013241445645689964,"channel":1,"num_words":1,"start":1844.915,"end":1845.415},{"sentences":[{"text":"Do you want to go down that and having a look at getting that back exclusion removed, or what are you what are you feeling?","start":1846.63,"end":1854.4099,"sentiment":"neutral","sentiment_score":-0.0336140738427639}],"sentiment":"neutral","sentiment_score":-0.0336140738427639,"channel":0,"num_words":25,"start":1846.63,"end":1854.4099},{"sentences":[{"text":"Not at the moment.","start":1857.3151,"end":1858.295,"sentiment":"neutral","sentiment_score":-0.27340269088745117}],"sentiment":"neutral","sentiment_score":-0.27340269088745117,"channel":1,"num_words":4,"start":1857.3151,"end":1858.295},{"sentences":[{"text":"No?","start":1858.645,"end":1858.965,"sentiment":"neutral","sentiment_score":-0.18108098208904264},{"text":"Okay.","start":1858.965,"end":1859.465,"sentiment":"neutral","sentiment_score":-0.11221621930599213},{"text":"Just let me know if it does take I know it's a a tedious thing sometimes, and the insurer can be a bit particular with these things.","start":1860.005,"end":1867.705,"sentiment":"neutral","sentiment_score":-0.20903745348806735},{"text":"They are obviously assessing risk.","start":1868.485,"end":1870.505,"sentiment":"neutral","sentiment_score":-0.21114281117916106},{"text":"So it is a bit tedious to do If it is that we can get a back exclusion removed, it is always something I do strongly suggest because if something ever were to happen to you and you do have the back exclusion and you don't get covered, especially if there is a situation where you don't have any issues and you could be covered.","start":1871.045,"end":1891.4149,"sentiment":"neutral","sentiment_score":-0.12009371089247557}],"sentiment":"neutral","sentiment_score":-0.1494859970654502,"channel":0,"num_words":99,"start":1858.645,"end":1891.4149},{"sentences":[{"text":"So have","start":1891.875,"end":1892.595,"sentiment":"neutral","sentiment_score":0.10847422108054161}],"sentiment":"neutral","sentiment_score":0.10847422108054161,"channel":0,"num_words":2,"start":1891.875,"end":1892.595},{"sentences":[{"text":"Yep.","start":1892.32,"end":1892.82,"sentiment":"neutral","sentiment_score":0.12469007074832916}],"sentiment":"neutral","sentiment_score":0.12469007074832916,"channel":1,"num_words":1,"start":1892.32,"end":1892.82},{"sentences":[{"text":"a think about it.","start":1892.595,"end":1893.735,"sentiment":"neutral","sentiment_score":0.16559745371341705},{"text":"And if it is something you want to look","start":1893.7949,"end":1896.835,"sentiment":"neutral","sentiment_score":0.04823785978886816}],"sentiment":"neutral","sentiment_score":0.08434850407334474,"channel":0,"num_words":13,"start":1892.595,"end":1896.835},{"sentences":[{"text":"I","start":1896.72,"end":1896.88,"sentiment":"neutral","sentiment_score":0.030882500112056732}],"sentiment":"neutral","sentiment_score":0.030882500112056732,"channel":1,"num_words":1,"start":1896.72,"end":1896.88},{"sentences":[{"text":"at","start":1896.835,"end":1897.075,"sentiment":"neutral","sentiment_score":0.006286323070526123}],"sentiment":"neutral","sentiment_score":0.006286323070526123,"channel":0,"num_words":1,"start":1896.835,"end":1897.075},{"sentences":[{"text":"did","start":1896.88,"end":1897.2,"sentiment":"neutral","sentiment_score":0.029599562287330627}],"sentiment":"neutral","sentiment_score":0.029599562287330627,"channel":1,"num_words":1,"start":1896.88,"end":1897.2},{"sentences":[{"text":"again,","start":1897.075,"end":1897.475,"sentiment":"neutral","sentiment_score":0.03277283161878586}],"sentiment":"neutral","sentiment_score":0.03277283161878586,"channel":0,"num_words":1,"start":1897.075,"end":1897.475},{"sentences":[{"text":"start","start":1897.2,"end":1897.52,"sentiment":"neutral","sentiment_score":0.07004739344120026}],"sentiment":"neutral","sentiment_score":0.07004739344120026,"channel":1,"num_words":1,"start":1897.2,"end":1897.52},{"sentences":[{"text":"I","start":1897.475,"end":1897.5549,"sentiment":"neutral","sentiment_score":0.06059455871582031}],"sentiment":"neutral","sentiment_score":0.06059455871582031,"channel":0,"num_words":1,"start":1897.475,"end":1897.5549},{"sentences":[{"text":"working on it, but I've","start":1897.52,"end":1899.44,"sentiment":"neutral","sentiment_score":0.07226740643382072}],"sentiment":"neutral","sentiment_score":0.07226740643382072,"channel":1,"num_words":5,"start":1897.52,"end":1899.44},{"sentences":[{"text":"yeah.","start":1899.235,"end":1899.735,"sentiment":"neutral","sentiment_score":0.0723286122083664}],"sentiment":"neutral","sentiment_score":0.0723286122083664,"channel":0,"num_words":1,"start":1899.235,"end":1899.735},{"sentences":[{"text":"got it written down in my notes all the questions they asked, and I","start":1899.44,"end":1903.28,"sentiment":"neutral","sentiment_score":0.07419101135539156}],"sentiment":"neutral","sentiment_score":0.07419101135539156,"channel":1,"num_words":14,"start":1899.44,"end":1903.28},{"sentences":[{"text":"Yeah.","start":1903.09,"end":1903.49,"sentiment":"neutral","sentiment_score":-0.013740182854235172}],"sentiment":"neutral","sentiment_score":-0.013740182854235172,"channel":0,"num_words":1,"start":1903.09,"end":1903.49},{"sentences":[{"text":"started","start":1903.28,"end":1903.6,"sentiment":"neutral","sentiment_score":-0.057302843779325485}],"sentiment":"neutral","sentiment_score":-0.057302843779325485,"channel":1,"num_words":1,"start":1903.28,"end":1903.6},{"sentences":[{"text":"Because","start":1903.49,"end":1903.99,"sentiment":"neutral","sentiment_score":-0.12146613746881484}],"sentiment":"neutral","sentiment_score":-0.12146613746881484,"channel":0,"num_words":1,"start":1903.49,"end":1903.99},{"sentences":[{"text":"answering it, but I just haven't finished it.","start":1903.6,"end":1905.645,"sentiment":"neutral","sentiment_score":-0.2615284379571676}],"sentiment":"neutral","sentiment_score":-0.2615284379571676,"channel":1,"num_words":8,"start":1903.6,"end":1905.645},{"sentences":[{"text":"that's okay.","start":1905.89,"end":1906.69,"sentiment":"neutral","sentiment_score":-0.1459215022623539}],"sentiment":"neutral","sentiment_score":-0.1459215022623539,"channel":0,"num_words":2,"start":1905.89,"end":1906.69},{"sentences":[{"text":"And","start":1906.685,"end":1907.185,"sentiment":"neutral","sentiment_score":-0.1933092474937439}],"sentiment":"neutral","sentiment_score":-0.1933092474937439,"channel":1,"num_words":1,"start":1906.685,"end":1907.185},{"sentences":[{"text":"Because what","start":1906.69,"end":1908.13,"sentiment":"negative","sentiment_score":-0.4842577129602432}],"sentiment":"negative","sentiment_score":-0.4842577129602432,"channel":0,"num_words":2,"start":1906.69,"end":1908.13},{"sentences":[{"text":"very","start":1908.125,"end":1908.365,"sentiment":"negative","sentiment_score":-0.6304581761360168}],"sentiment":"negative","sentiment_score":-0.6304581761360168,"channel":1,"num_words":1,"start":1908.125,"end":1908.365},{"sentences":[{"text":"I can","start":1908.13,"end":1908.53,"sentiment":"negative","sentiment_score":-0.6161917150020599}],"sentiment":"negative","sentiment_score":-0.6161917150020599,"channel":0,"num_words":2,"start":1908.13,"end":1908.53},{"sentences":[{"text":"lazy.","start":1908.365,"end":1908.865,"sentiment":"negative","sentiment_score":-0.5770371556282043}],"sentiment":"negative","sentiment_score":-0.5770371556282043,"channel":1,"num_words":1,"start":1908.365,"end":1908.865},{"sentences":[{"text":"do otherwise yes.","start":1908.53,"end":1910.47,"sentiment":"neutral","sentiment_score":-0.310689980785052},{"text":"What I can do otherwise to make it easier for you, if you're happy, I can just quickly transfer you to Jack, and he can read you the questions and you can just verbalize them.","start":1910.53,"end":1919.285,"sentiment":"neutral","sentiment_score":0.2645772154842104}],"sentiment":"neutral","sentiment_score":0.21916138419979497,"channel":0,"num_words":38,"start":1908.53,"end":1919.285},{"sentences":[{"text":"Uh-huh.","start":1919.245,"end":1919.745,"sentiment":"neutral","sentiment_score":0.01739172637462616}],"sentiment":"neutral","sentiment_score":0.01739172637462616,"channel":1,"num_words":1,"start":1919.245,"end":1919.745},{"sentences":[{"text":"And then he can","start":1919.285,"end":1920.005,"sentiment":"neutral","sentiment_score":0.0017477611545473337}],"sentiment":"neutral","sentiment_score":0.0017477611545473337,"channel":0,"num_words":4,"start":1919.285,"end":1920.005},{"sentences":[{"text":"Uh-huh.","start":1919.805,"end":1920.305,"sentiment":"neutral","sentiment_score":-0.008738907054066658}],"sentiment":"neutral","sentiment_score":-0.008738907054066658,"channel":1,"num_words":1,"start":1919.805,"end":1920.305},{"sentences":[{"text":"just send it out to Sam.","start":1920.005,"end":1921.4651,"sentiment":"neutral","sentiment_score":-0.009730248712003231},{"text":"Or","start":1921.925,"end":1922.0851,"sentiment":"neutral","sentiment_score":-0.04304257035255432}],"sentiment":"neutral","sentiment_score":-0.01448915180351053,"channel":0,"num_words":7,"start":1920.005,"end":1922.0851},{"sentences":[{"text":"It's","start":1921.9401,"end":1922.1,"sentiment":"neutral","sentiment_score":-0.14796093106269836}],"sentiment":"neutral","sentiment_score":-0.14796093106269836,"channel":1,"num_words":1,"start":1921.9401,"end":1922.1},{"sentences":[{"text":"do","start":1922.0851,"end":1922.245,"sentiment":"neutral","sentiment_score":-0.11785058677196504}],"sentiment":"neutral","sentiment_score":-0.11785058677196504,"channel":0,"num_words":1,"start":1922.0851,"end":1922.245},{"sentences":[{"text":"not","start":1922.1,"end":1922.26,"sentiment":"neutral","sentiment_score":-0.16985121369361875}],"sentiment":"neutral","sentiment_score":-0.16985121369361875,"channel":1,"num_words":1,"start":1922.1,"end":1922.26},{"sentences":[{"text":"you","start":1922.245,"end":1922.3251,"sentiment":"neutral","sentiment_score":-0.15089918673038483}],"sentiment":"neutral","sentiment_score":-0.15089918673038483,"channel":0,"num_words":1,"start":1922.245,"end":1922.3251},{"sentences":[{"text":"that","start":1922.26,"end":1922.42,"sentiment":"neutral","sentiment_score":-0.1640007197856903}],"sentiment":"neutral","sentiment_score":-0.1640007197856903,"channel":1,"num_words":1,"start":1922.26,"end":1922.42},{"sentences":[{"text":"prefer","start":1922.3251,"end":1922.805,"sentiment":"neutral","sentiment_score":-0.22801722586154935}],"sentiment":"neutral","sentiment_score":-0.22801722586154935,"channel":0,"num_words":1,"start":1922.3251,"end":1922.805},{"sentences":[{"text":"easy.","start":1922.42,"end":1922.92,"sentiment":"neutral","sentiment_score":-0.18295246362686157}],"sentiment":"neutral","sentiment_score":-0.18295246362686157,"channel":1,"num_words":1,"start":1922.42,"end":1922.92},{"sentences":[{"text":"to do okay.","start":1922.805,"end":1924.105,"sentiment":"neutral","sentiment_score":0.011433114608128866},{"text":"Okay.","start":1924.405,"end":1924.905,"sentiment":"neutral","sentiment_score":-0.005691969767212868}],"sentiment":"neutral","sentiment_score":0.007151843514293432,"channel":0,"num_words":4,"start":1922.805,"end":1924.905},{"sentences":[{"text":"It doesn't","start":1924.58,"end":1924.98,"sentiment":"neutral","sentiment_score":-0.030449198558926582}],"sentiment":"neutral","sentiment_score":-0.030449198558926582,"channel":1,"num_words":2,"start":1924.58,"end":1924.98},{"sentences":[{"text":"No.","start":1924.9651,"end":1925.2051,"sentiment":"neutral","sentiment_score":-0.07961039245128632}],"sentiment":"neutral","sentiment_score":-0.07961039245128632,"channel":0,"num_words":1,"start":1924.9651,"end":1925.2051},{"sentences":[{"text":"happen","start":1924.98,"end":1925.3,"sentiment":"neutral","sentiment_score":-0.08838706463575363}],"sentiment":"neutral","sentiment_score":-0.08838706463575363,"channel":1,"num_words":1,"start":1924.98,"end":1925.3},{"sentences":[{"text":"That's","start":1925.2051,"end":1925.4451,"sentiment":"neutral","sentiment_score":-0.12199130654335022}],"sentiment":"neutral","sentiment_score":-0.12199130654335022,"channel":0,"num_words":1,"start":1925.2051,"end":1925.4451},{"sentences":[{"text":"a long","start":1925.3,"end":1925.62,"sentiment":"neutral","sentiment_score":-0.14455059170722961}],"sentiment":"neutral","sentiment_score":-0.14455059170722961,"channel":1,"num_words":2,"start":1925.3,"end":1925.62},{"sentences":[{"text":"okay.","start":1925.4451,"end":1925.9451,"sentiment":"neutral","sentiment_score":-0.09035970270633698}],"sentiment":"neutral","sentiment_score":-0.09035970270633698,"channel":0,"num_words":1,"start":1925.4451,"end":1925.9451},{"sentences":[{"text":"time ago, and I scheduled it all","start":1925.62,"end":1928.02,"sentiment":"neutral","sentiment_score":-0.024616634473204613}],"sentiment":"neutral","sentiment_score":-0.024616634473204613,"channel":1,"num_words":7,"start":1925.62,"end":1928.02},{"sentences":[{"text":"Okay.","start":1927.78,"end":1928.28,"sentiment":"neutral","sentiment_score":0.0036576315760612488}],"sentiment":"neutral","sentiment_score":0.0036576315760612488,"channel":0,"num_words":1,"start":1927.78,"end":1928.28},{"sentences":[{"text":"day now.","start":1928.02,"end":1928.84,"sentiment":"neutral","sentiment_score":0.007287953980267048}],"sentiment":"neutral","sentiment_score":0.007287953980267048,"channel":1,"num_words":2,"start":1928.02,"end":1928.84},{"sentences":[{"text":"No.","start":1929.62,"end":1929.8601,"sentiment":"neutral","sentiment_score":-0.04371178150177002},{"text":"That's","start":1929.8601,"end":1930.18,"sentiment":"neutral","sentiment_score":-0.022399796172976497}],"sentiment":"neutral","sentiment_score":-0.03305578883737326,"channel":0,"num_words":2,"start":1929.62,"end":1930.18},{"sentences":[{"text":"It's transcript","start":1930.02,"end":1930.6,"sentiment":"neutral","sentiment_score":-0.0033307323465123773}],"sentiment":"neutral","sentiment_score":-0.0033307323465123773,"channel":1,"num_words":2,"start":1930.02,"end":1930.6},{"sentences":[{"text":"fine.","start":1930.18,"end":1930.68,"sentiment":"neutral","sentiment_score":0.034948237240314484},{"text":"Take your","start":1931.06,"end":1931.4601,"sentiment":"neutral","sentiment_score":0.048240818083286285}],"sentiment":"neutral","sentiment_score":0.043809957802295685,"channel":0,"num_words":3,"start":1930.18,"end":1931.4601},{"sentences":[{"text":"stuff.","start":1931.38,"end":1931.88,"sentiment":"neutral","sentiment_score":0.028043316677212715}],"sentiment":"neutral","sentiment_score":0.028043316677212715,"channel":1,"num_words":1,"start":1931.38,"end":1931.88},{"sentences":[{"text":"yeah.","start":1932.9801,"end":1933.3,"sentiment":"neutral","sentiment_score":-0.01487773284316063},{"text":"Especially sometimes going back a long time can be can be hard to remember.","start":1933.3,"end":1936.66,"sentiment":"neutral","sentiment_score":-0.16949178384883062},{"text":"So I will leave","start":1936.66,"end":1937.78,"sentiment":"neutral","sentiment_score":-0.02368614263832569}],"sentiment":"neutral","sentiment_score":-0.1306582777515838,"channel":0,"num_words":19,"start":1932.9801,"end":1937.78},{"sentences":[{"text":"Yeah.","start":1937.615,"end":1938.115,"sentiment":"neutral","sentiment_score":0.00624479167163372}],"sentiment":"neutral","sentiment_score":0.00624479167163372,"channel":1,"num_words":1,"start":1937.615,"end":1938.115},{"sentences":[{"text":"it with you then.","start":1937.78,"end":1938.8401,"sentiment":"neutral","sentiment_score":0.023517992347478867},{"text":"If it changes or do you want Jack to resend you the questions or anything, or you have it?","start":1940.085,"end":1945.525,"sentiment":"neutral","sentiment_score":-0.007517135456988686},{"text":"It's just a matter of a processing","start":1945.525,"end":1947.705,"sentiment":"neutral","sentiment_score":-0.020961096244198934}],"sentiment":"neutral","sentiment_score":-0.006516042600075404,"channel":0,"num_words":30,"start":1937.78,"end":1947.705},{"sentences":[{"text":"Yeah.","start":1947.455,"end":1947.955,"sentiment":"neutral","sentiment_score":-0.01296248473227024}],"sentiment":"neutral","sentiment_score":-0.01296248473227024,"channel":1,"num_words":1,"start":1947.455,"end":1947.955},{"sentences":[{"text":"thing.","start":1947.845,"end":1948.345,"sentiment":"neutral","sentiment_score":-0.009283145889639854}],"sentiment":"neutral","sentiment_score":-0.009283145889639854,"channel":0,"num_words":1,"start":1947.845,"end":1948.345},{"sentences":[{"text":"I haven't forgotten about it.","start":1948.1749,"end":1949.5349,"sentiment":"neutral","sentiment_score":-0.04777263775467873},{"text":"It's just time and","start":1949.5349,"end":1951.2001,"sentiment":"neutral","sentiment_score":-0.01883912878111005}],"sentiment":"neutral","sentiment_score":-0.034913300433092646,"channel":1,"num_words":9,"start":1948.1749,"end":1951.2001},{"sentences":[{"text":"Yeah.","start":1950.725,"end":1951.225,"sentiment":"neutral","sentiment_score":-0.010223488323390484}],"sentiment":"neutral","sentiment_score":-0.010223488323390484,"channel":0,"num_words":1,"start":1950.725,"end":1951.225},{"sentences":[{"text":"energy.","start":1951.26,"end":1951.76,"sentiment":"neutral","sentiment_score":-0.009645971469581127}],"sentiment":"neutral","sentiment_score":-0.009645971469581127,"channel":1,"num_words":1,"start":1951.26,"end":1951.76},{"sentences":[{"text":"Yeah.","start":1951.6849,"end":1952.1849,"sentiment":"neutral","sentiment_score":0.014239751733839512},{"text":"Yeah.","start":1952.325,"end":1952.645,"sentiment":"neutral","sentiment_score":0.024062220007181168},{"text":"That's okay.","start":1952.645,"end":1953.465,"sentiment":"neutral","sentiment_score":0.05707216262817383},{"text":"Especially with insurance, it","start":1953.73,"end":1954.69,"sentiment":"neutral","sentiment_score":-0.016057430068030953}],"sentiment":"neutral","sentiment_score":0.011027072090655565,"channel":0,"num_words":8,"start":1951.6849,"end":1954.69},{"sentences":[{"text":"But","start":1954.62,"end":1955.12,"sentiment":"neutral","sentiment_score":-0.0474996455013752}],"sentiment":"neutral","sentiment_score":-0.0474996455013752,"channel":1,"num_words":1,"start":1954.62,"end":1955.12},{"sentences":[{"text":"can be like that.","start":1954.69,"end":1955.49,"sentiment":"neutral","sentiment_score":-0.07591685652732849},{"text":"So I will leave it with you.","start":1955.49,"end":1958.07,"sentiment":"neutral","sentiment_score":0.04960487197552409}],"sentiment":"neutral","sentiment_score":0.003960607065395875,"channel":0,"num_words":11,"start":1954.69,"end":1958.07},{"sentences":[{"text":"yeah.","start":1957.75,"end":1958.25,"sentiment":"neutral","sentiment_score":0.07338739931583405}],"sentiment":"neutral","sentiment_score":0.07338739931583405,"channel":1,"num_words":1,"start":1957.75,"end":1958.25},{"sentences":[{"text":"If you do have time, you wanna do it, just have a look through those questions and send it back to Jack, and then we can get that off to Clearview to look at getting that","start":1959.33,"end":1966.85,"sentiment":"neutral","sentiment_score":0.07520387487279044}],"sentiment":"neutral","sentiment_score":0.07520387487279044,"channel":0,"num_words":36,"start":1959.33,"end":1966.85},{"sentences":[{"text":"Yep.","start":1966.755,"end":1967.255,"sentiment":"neutral","sentiment_score":-0.08028397709131241}],"sentiment":"neutral","sentiment_score":-0.08028397709131241,"channel":1,"num_words":1,"start":1966.755,"end":1967.255},{"sentences":[{"text":"removed.","start":1966.85,"end":1967.35,"sentiment":"neutral","sentiment_score":-0.06887055933475494},{"text":"But, obviously, do it do it in your own time.","start":1968.545,"end":1971.105,"sentiment":"neutral","sentiment_score":-0.037242541275918487},{"text":"And then the last thing is just that ID we have on file has expired.","start":1971.105,"end":1976.245,"sentiment":"neutral","sentiment_score":-0.028535902996857963},{"text":"So have you recently received, like, a new driver's license or anything?","start":1976.385,"end":1980.405,"sentiment":"neutral","sentiment_score":-0.004394848986218373},{"text":"Yep.","start":1980.95,"end":1981.27,"sentiment":"neutral","sentiment_score":0.07859254628419876}],"sentiment":"neutral","sentiment_score":-0.02162769637428797,"channel":0,"num_words":39,"start":1966.85,"end":1981.27},{"sentences":[{"text":"Cool.","start":1981.27,"end":1981.77,"sentiment":"neutral","sentiment_score":0.1405584067106247},{"text":"So what I'll get might get","start":1982.47,"end":1984.47,"sentiment":"neutral","sentiment_score":0.07294212530056636}],"sentiment":"neutral","sentiment_score":0.08260159407343183,"channel":0,"num_words":7,"start":1981.27,"end":1984.47},{"sentences":[{"text":"Yeah.","start":1984.35,"end":1984.85,"sentiment":"neutral","sentiment_score":0.1233370304107666}],"sentiment":"neutral","sentiment_score":0.1233370304107666,"channel":1,"num_words":1,"start":1984.35,"end":1984.85},{"sentences":[{"text":"you to do is I'll actually get the team to send you an email.","start":1984.47,"end":1988.33,"sentiment":"neutral","sentiment_score":0.20424997806549072},{"text":"That way, to make it easy, if you can just respond when you have a moment just with a photo of the front and the back of the license, and we can just update that record for you.","start":1988.79,"end":1999.5249,"sentiment":"neutral","sentiment_score":0.1902719561598803}],"sentiment":"neutral","sentiment_score":0.19403526974985233,"channel":0,"num_words":52,"start":1984.47,"end":1999.5249},{"sentences":[{"text":"Yep.","start":1999.9751,"end":2000.4751,"sentiment":"neutral","sentiment_score":0.17435413599014282}],"sentiment":"neutral","sentiment_score":0.17435413599014282,"channel":1,"num_words":1,"start":1999.9751,"end":2000.4751},{"sentences":[{"text":"Yep.","start":2000.705,"end":2001.1849,"sentiment":"neutral","sentiment_score":0.24750672280788424},{"text":"Perfect.","start":2001.1849,"end":2001.6849,"sentiment":"positive","sentiment_score":0.49950823187828064},{"text":"Do you have any other questions for me, Adam, before I let you go?","start":2002.065,"end":2005.365,"sentiment":"neutral","sentiment_score":0.18238605186343193}],"sentiment":"neutral","sentiment_score":0.20627623004838824,"channel":0,"num_words":16,"start":2000.705,"end":2005.365},{"sentences":[{"text":"No.","start":2006.04,"end":2006.54,"sentiment":"neutral","sentiment_score":-0.06352606415748596}],"sentiment":"neutral","sentiment_score":-0.06352606415748596,"channel":1,"num_words":1,"start":2006.04,"end":2006.54},{"sentences":[{"text":"No?","start":2006.83,"end":2007.15,"sentiment":"neutral","sentiment_score":0.0017767231911420822},{"text":"Okay.","start":2007.15,"end":2007.63,"sentiment":"neutral","sentiment_score":0.20081645250320437},{"text":"Perfect.","start":2007.63,"end":2008.13,"sentiment":"positive","sentiment_score":0.3550359606742859},{"text":"So like I said, when you have a moment, have a look through the documents.","start":2008.27,"end":2011.23,"sentiment":"neutral","sentiment_score":0.2300603598356247},{"text":"Any questions, let me know.","start":2011.23,"end":2012.85,"sentiment":"neutral","sentiment_score":0.1789201617240906}],"sentiment":"neutral","sentiment_score":0.2131797975010198,"channel":0,"num_words":23,"start":2006.83,"end":2012.85},{"sentences":[{"text":"Otherwise,","start":2013.23,"end":2013.73,"sentiment":"neutral","sentiment_score":0.15649375319480896}],"sentiment":"neutral","sentiment_score":0.15649375319480896,"channel":0,"num_words":1,"start":2013.23,"end":2013.73},{"sentences":[{"text":"Yep.","start":2013.3201,"end":2013.8201,"sentiment":"neutral","sentiment_score":0.10630299150943756}],"sentiment":"neutral","sentiment_score":0.10630299150943756,"channel":1,"num_words":1,"start":2013.3201,"end":2013.8201},{"sentences":[{"text":"we just need you to sign those documents.","start":2013.7899,"end":2015.73,"sentiment":"neutral","sentiment_score":0.1064237430691719},{"text":"I'll it'll get notified, and it'll come back to me, and I'll get that all authorized for you.","start":2016.27,"end":2021.785,"sentiment":"neutral","sentiment_score":0.23312266419331232},{"text":"And, also, keep a look at of that ROA just to for your reference to say that we have made that investment change for the Benelung investment for you.","start":2021.785,"end":2031.005,"sentiment":"neutral","sentiment_score":0.20141544090262775}],"sentiment":"neutral","sentiment_score":0.1979753761128946,"channel":0,"num_words":55,"start":2013.7899,"end":2031.005},{"sentences":[{"text":"Yep.","start":2031.635,"end":2032.035,"sentiment":"neutral","sentiment_score":0.1286184787750244},{"text":"Okay.","start":2032.035,"end":2032.535,"sentiment":"neutral","sentiment_score":0.15267109870910645}],"sentiment":"neutral","sentiment_score":0.14064478874206543,"channel":1,"num_words":2,"start":2031.635,"end":2032.535},{"sentences":[{"text":"Yep.","start":2032.44,"end":2032.94,"sentiment":"neutral","sentiment_score":0.1454266607761383}],"sentiment":"neutral","sentiment_score":0.1454266607761383,"channel":0,"num_words":1,"start":2032.44,"end":2032.94},{"sentences":[{"text":"Not a problem.","start":2032.595,"end":2033.415,"sentiment":"positive","sentiment_score":0.4123994708061218}],"sentiment":"positive","sentiment_score":0.4123994708061218,"channel":1,"num_words":3,"start":2032.595,"end":2033.415},{"sentences":[{"text":"Perfect.","start":2033.1599,"end":2033.6599,"sentiment":"positive","sentiment_score":0.7292485237121582},{"text":"Well, thank you so much for your time today, Adam.","start":2034.0399,"end":2036.2,"sentiment":"positive","sentiment_score":0.8215307474136353},{"text":"Hopefully, you have a lovely rest of your day.","start":2036.2,"end":2039.08,"sentiment":"positive","sentiment_score":0.8130483892228868},{"text":"And if there's anything else that you do need, don't hesitate to give me a call.","start":2039.08,"end":2042.7,"sentiment":"neutral","sentiment_score":0.29975565522909164}],"sentiment":"positive","sentiment_score":0.5849467217922211,"channel":0,"num_words":36,"start":2033.1599,"end":2042.7},{"sentences":[{"text":"Not a problem.","start":2043.24,"end":2043.9601,"sentiment":"positive","sentiment_score":0.3815614382425944},{"text":"Thank you.","start":2043.9601,"end":2044.7001,"sentiment":"positive","sentiment_score":0.6311509609222412}],"sentiment":"positive","sentiment_score":0.4813972473144531,"channel":1,"num_words":5,"start":2043.24,"end":2044.7001},{"sentences":[{"text":"No problem at all.","start":2044.9429,"end":2045.6628,"sentiment":"positive","sentiment_score":0.42059311270713806},{"text":"We'll speak soon.","start":2045.6628,"end":2046.5629,"sentiment":"neutral","sentiment_score":0.27609783411026}],"sentiment":"positive","sentiment_score":0.35866656473704744,"channel":0,"num_words":7,"start":2044.9429,"end":2046.5629},{"sentences":[{"text":"Yep.","start":2046.8401,"end":2047.3401,"sentiment":"neutral","sentiment_score":0.11846845597028732},{"text":"Yep.","start":2047.4,"end":2047.9,"sentiment":"neutral","sentiment_score":0.10120400041341782}],"sentiment":"neutral","sentiment_score":0.10983622819185257,"channel":1,"num_words":2,"start":2046.8401,"end":2047.9},{"sentences":[{"text":"Okay.","start":2048.463,"end":2048.8628,"sentiment":"neutral","sentiment_score":0.12560416758060455},{"text":"Bye.","start":2048.8628,"end":2049.3628,"sentiment":"neutral","sentiment_score":-0.13124792277812958}],"sentiment":"neutral","sentiment_score":-0.002821877598762512,"channel":0,"num_words":2,"start":2048.463,"end":2049.3628}]},"summary":{"result":"success","short":"Adam fromits Adam's employment, income, employment history, and retirement status, and discusses his mortgage, income, employment details, and retirement status with Adam. Adam provides updated risk profiles and discusses his financial goals and risk profile, including investing in stocks and funds. The speaker emphasizes the importance of taking risks in inflation and volatility and offers to reassess the portfolio at a later time. The speaker provides information on investment documents and advises Adam to have a look at the ROA. The speaker also offers to assist with any further questions and provides a record of advice."},"intents":{"segments":[{"text":"I had you booked in to complete your under review. Is now still a good time for you?","start_word":28,"end_word":45,"intents":[{"intent":"Update status","confidence_score":0.00005904708}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address Yep.","start_word":81,"end_word":104,"intents":[{"intent":"Confirm identity","confidence_score":0.30291203},{"intent":"Confirm identity","confidence_score":0.7036997}]},{"text":"And how's the last twelve months kind of been for you? Any any changes or anything to your circumstances? Not really. Nope?","start_word":224,"end_word":245,"intents":[{"intent":"Inquire about situation","confidence_score":0.00015627584}]},{"text":"Now when it comes to your employment, has any of that changed in the last twelve months? Cell company.","start_word":374,"end_word":392,"intents":[{"intent":"Update employment status","confidence_score":0.00046312794}]},{"text":"Now I do have here income of around 134,956. Is that still the case, or do you know if that's changed? For now.","start_word":404,"end_word":426,"intents":[{"intent":"Clarify income","confidence_score":0.013598364}]},{"text":"How much do you guys, I guess, on average, try to put aside?","start_word":498,"end_word":510,"intents":[{"intent":"Determine payment amount","confidence_score":0.0025019916}]},{"text":"And your employer, they still pay you just that 12% employer contribution?","start_word":546,"end_word":557,"intents":[{"intent":"Inquire about employer contribution","confidence_score":0.0016751782},{"intent":"State employer's contribution","confidence_score":0.000046104677}]},{"text":"I would have to check, but I Yes. agree. I think it might be the same. Yeah. Perfect. So just kind of like you don't have an enterprise login agreement Yeah. or We anything. do. You Yeah. do? It's part of part of Okay. an agreement. Yeah. I just need to check because the the agreement changes in April. Yeah.","start_word":558,"end_word":617,"intents":[{"intent":"Check agreement","confidence_score":0.021620322}]},{"text":"And it still gives you obviously choice of super and everything like that. It's just a couple of extra benefits. Yeah.","start_word":628,"end_word":648,"intents":[{"intent":"Express willingness to pay additional benefits","confidence_score":1.9312309e-7}]},{"text":"What did you have in my loan as last time?","start_word":964,"end_word":973,"intents":[{"intent":"Update loan information","confidence_score":0.011367406}]},{"text":"So if, let's say, six months after placing an investment, you found out that your portfolio has decreased by 20% due to general trends in their financial market.","start_word":1401,"end_word":1428,"intents":[{"intent":"Assess portfolio volatility","confidence_score":0.123366214}]},{"text":"It is kind of what you see and expect through periods of time. But, obviously, if that goes on for a prolonged period of time, then, you know, there might need to be more drastic changes Yeah.","start_word":1743,"end_word":1779,"intents":[{"intent":"Decide investment strategy","confidence_score":0.00018438735}]},{"text":"The only thing is by changing it, it will mean that, obviously, you would sell down some investments, so that can be a little bit of capital gains tax. With it, we obviously try to minimize that by looking at swapping a few things out to minimize it, and it is more of your your long term investment.","start_word":2381,"end_word":2438,"intents":[{"intent":"Reduce costs","confidence_score":0.00011157048}]},{"text":"And kind of like we touched on already as well that, you know, in a high growth portfolio, typically, the likelihood of a negative return, now that is obviously you don't know what's going to happen in the world, or the market, we see about one in every five years.","start_word":2552,"end_word":2601,"intents":[{"intent":"Discuss investment preferences","confidence_score":0.018519884}]},{"text":"So during, obviously, their investing period, there's going to be times like now, for example, where we've seen a lot more changes, and things aren't obviously growing as much. But then with how your investments are invested as well, it will grow long term. Now if we obviously see that there are some of those investments that need to be structurally changed, then we can still do so.","start_word":2602,"end_word":2669,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.02677033}]},{"text":"And I do wanna kind of go through the investments a little bit with you, and there is one that I'm would like to swap out for you if you're happy to do so. But, Yep.","start_word":2670,"end_word":2705,"intents":[{"intent":"Go through investments","confidence_score":0.0012703724}]},{"text":"Now are you still driving, or do you have access to your emails? Driving at the moment.","start_word":2775,"end_word":2791,"intents":[{"intent":"Request email access","confidence_score":0.018296119}]},{"text":"And then if you have any questions, you can always give me a callback.","start_word":2898,"end_word":2911,"intents":[{"intent":"Request callback","confidence_score":0.0011618974}]},{"text":"So have a look through your emails when you have a moment.","start_word":2922,"end_word":2933,"intents":[{"intent":"Review email","confidence_score":0.08673302}]},{"text":"a good one to to kind of give you a good visual representation of what we are talking about when we're talking about the market.","start_word":3069,"end_word":3093,"intents":[{"intent":"Explain market","confidence_score":0.0066191084}]},{"text":"it also breaks down the different asset classes. So it breaks down your US shares, Australian shares, international shares, and property.","start_word":3150,"end_word":3170,"intents":[{"intent":"Review asset classes","confidence_score":0.020846969},{"intent":"Explain income categories","confidence_score":0.000034741148}]},{"text":"Now these top four are your growth investments, like I mentioned earlier.","start_word":3171,"end_word":3182,"intents":[{"intent":"Highlight growth investments","confidence_score":0.0035495718}]},{"text":"And then you have your bottom three, which are your defensive.","start_word":3183,"end_word":3193,"intents":[{"intent":"Explain defenses","confidence_score":0.00018739114}]},{"text":"And when you do have a look at it, you will see that the the growth investments, these are the ones that have grown, significantly the most, but they also fluctuate the most in the short term.","start_word":3195,"end_word":3231,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.2617039}]},{"text":"have done extensive research on all the investments and kind of come to the decision as well that we would like to swap it out because we don't foresee kind of increasing as much or be the best option moving forward. So Yep.","start_word":3861,"end_word":3903,"intents":[{"intent":"Analyze investment options","confidence_score":0.12631042}]},{"text":"Are you happy for us to go and make that change for you? Yes.","start_word":4040,"end_word":4053,"intents":[{"intent":"Make a change","confidence_score":0.22309923}]},{"text":"Would you like to look at increasing it, or are you still feel like the amount you are covered for will still kind of cover cover you?","start_word":4321,"end_word":4347,"intents":[{"intent":"Adjust coverage amount","confidence_score":0.014935692}]},{"text":"And if it changes, obviously, when you do find out the pay rise, if it's kind of more than expected or if at any point in time you do change your mind, just give me a call again, and we can always run through it with you.","start_word":4418,"end_word":4464,"intents":[{"intent":"Have a conversation with speaker","confidence_score":0.0017423234}]},{"text":"Now my computer is still not really working, so I can't see the documents, but you will get email them, and you can have a look at it. And that basically just breaks down your income protection. It also shows you the total premium for all of them. And you don't pay for them out of pocket. It's all through your superannuation. Yep.","start_word":4466,"end_word":4528,"intents":[{"intent":"Receive and read documents","confidence_score":0.00068355276}]},{"text":"Now some other documents you will see, you will see just an updated financial services guide for you. It's one of those compliance documents. It's just a bit of an updated version.","start_word":4530,"end_word":4561,"intents":[{"intent":"Update documents","confidence_score":0.0034516377}]},{"text":"Now some other documents you will see, you will see just an updated financial services guide for you. It's one of those compliance documents. It's just a bit of an updated version. We've had some changes to our marketing, which is great, and also a bit of an extension to the team. So if you wanna have a read over, those two, it's all in there for you.","start_word":4530,"end_word":4597,"intents":[{"intent":"Obtain and read important documents","confidence_score":0.00005051069}]},{"text":"Do you want to go down that and having a look at getting that back exclusion removed, or what are you what are you feeling?","start_word":4831,"end_word":4855,"intents":[{"intent":"Review back exclusion removal","confidence_score":0.08508907}]},{"text":"Do you have any other questions for me, Adam, before I let you go?","start_word":5332,"end_word":5345,"intents":[{"intent":"Request information","confidence_score":0.015168828}]}]},"sentiments":{"segments":[{"text":"Good afternoon. This is Adam. This is Veronica from OC Financial. How are you this afternoon? Yep. Yes.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.17144733667373657},{"text":"Good. Thank you.","start_word":18,"end_word":20,"sentiment":"positive","sentiment_score":0.49664708971977234},{"text":"Yourself? Not good. I'm well as well. I had you booked in to complete your under review. Is now still a good time for you? Yep. Yep.","start_word":21,"end_word":47,"sentiment":"neutral","sentiment_score":0.16215947270393372},{"text":"Perfect.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.3385928273200989},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address Yep. Adam Goodyear. 1992. for 8 me, Mobile Street, Gables please? 27 Yep. 65. Yep.","start_word":49,"end_word":118,"sentiment":"neutral","sentiment_score":0.0582159198820591},{"text":"Perfect. That's exactly what I have here.","start_word":119,"end_word":125,"sentiment":"positive","sentiment_score":0.3984464108943939},{"text":"And how's your day been so far? Been busy? It's been pretty crazy. Good.","start_word":126,"end_word":139,"sentiment":"neutral","sentiment_score":0.03098973259329796},{"text":"Oh, that's that's nice.","start_word":140,"end_word":143,"sentiment":"positive","sentiment_score":0.44485458731651306},{"text":"Now just before I do kind of jump in through that interview, I do like to start by asking if there is anything specific that you are hoping to get out of this review today or any areas you would like to kind of go through in a bit more detail or whether it's just just a bit of a catch up to see kind of what's happened in the last twelve months? Nothing comes to mind. No no problem. And how's the last twelve months kind of been for you? Any any changes or anything to your circumstances? Not really. Nope? Okay. I don't think so. No. That's okay. Sometimes it's hard to remember as well. What I will do, though, is I will just quickly run through a bit of a fact line just to see if there is anything that has changed that might need us to make any changes to your advice. So bear with me as I Yep. go through this, and I'll try to go through it as quickly as I can for you. Now with your personal information, I have you down here as married with true financial dependent. Is that still the case? Yep. Yep. Perfect. And I do have here next of Ken, Elizabeth. Yep. Yep.","start_word":144,"end_word":358,"sentiment":"neutral","sentiment_score":-0.004323534485559131},{"text":"Perfect.","start_word":359,"end_word":359,"sentiment":"positive","sentiment_score":0.6070317029953003},{"text":"I have phone number ending in 135. Is that still the case?","start_word":360,"end_word":371,"sentiment":"neutral","sentiment_score":0.18227820098400116},{"text":"Perfect.","start_word":372,"end_word":372,"sentiment":"positive","sentiment_score":0.4475670456886291},{"text":"Yep. Now when it comes to your employment, has any of that changed in the last twelve months? Cell company. Same cop still doing the site supervisor plumbing? Yep. Yeah. Perfect. Now I do have here income of around 134,956. Is that still the case, or do you know if that's changed? For now. I'll be getting a payroll April. Oh, nice. Do you know what it's changing to? No. I'd have to look it up. Yeah. No. That's okay. But for now, it's still that 134? Yep. Yep. Perfect. Now when it comes to bills and expenses, I have here that most most of the income goes through bills and stuff. You aren't really saving anything on a regular basis. Try to. But Yeah. How much do you guys, I guess, on average, try to put aside? Obviously, obviously, it depends on bills and expenses and everything, but if you were to say an average. As much as we can, but it's not really much to be honest. Yep. No. That's okay. And your employer, they still pay you just that 12% employer contribution? I would have to check, but I Yes. agree. I think it might be the same. Yeah. Perfect. So just kind of like you don't have an enterprise login agreement Yeah. or We anything. do. You Yeah. do? It's part of part of Okay. an agreement. Yeah. I just need to check because the the agreement changes in April. Yeah. So Okay. I think payroll is part of it. Okay. And it still gives you obviously choice of super and everything like that. It's just a couple of extra benefits. Yeah. It's just Yeah. a a a a a a hose and spoke gin through Yeah. the a grainer. Yeah. Perfect. Otherwise, you are not making any additional contributions into super, just that from your employer. Yep. Yeah. Correct.","start_word":373,"end_word":686,"sentiment":"neutral","sentiment_score":0.02367398887872696},{"text":"Perfect.","start_word":687,"end_word":687,"sentiment":"positive","sentiment_score":0.3526582717895508},{"text":"Now asset and liabilities wise, I have here that your main property was last valued at about 1,800,000.0. Is that Yep. still the case, or has that gone up a little bit? Do you know? Or am Around the same. Alright. Perfect. I do have here mortgage of around 800 and I sorry? 9,788. Probably got down a little bit, I guess, since last Yeah. time. How much do you reckon? If Sure. it was I can around try it out, 8 but or it was. yeah.","start_word":688,"end_word":774,"sentiment":"neutral","sentiment_score":0.005228607915341854},{"text":"Perfect. That'd be great.","start_word":775,"end_word":778,"sentiment":"positive","sentiment_score":0.4584279954433441},{"text":"You can go back to the one in a bit. Yep. And while you do look for it, do you still have the huge the virus valued at about 55? Yep. Yep. Perfect. And you didn't have anything owing on that one? Not cool. Also tools of about 3,000? Yeah. Yep. Do you have any other new assets otherwise in the last kind of twelve months? Any motorbikes or boats or anything else? Nah. Perfect. And any other liabilities? Personal loans, credit cards, ZIP pay? No. Perfect. And have you ever been declared bankrupt or been under a part nine debt agreement? No. No. Alright. Perfect. Were you able to access the the mortgage, or is it a bit tricky? Just need to stop first. Some driving. Yeah. No. That's okay. Are you happy for me to just kind of keep going in the meantime? Yeah. Yeah. That's fine. Yeah. Yeah. Alright. Perfect. Health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yep. Perfect. Any changes to your health in the last twelve months? Bye. No. Perfect. What did you have in my loan as last time? 809,788. Okay. I think it's showing you $792,563. Yep. 563.","start_word":779,"end_word":983,"sentiment":"neutral","sentiment_score":0.021348264068365097},{"text":"Great. Perfect. I will update that. Thank you so much for getting that.","start_word":984,"end_word":996,"sentiment":"positive","sentiment_score":0.4506829082965851},{"text":"Otherwise, when it comes to estate planning, do you have a will in place? A wheel? No. I haven't put a wheel in. No. No. That's okay. And are you politically involved at all or on any income overseas? No.","start_word":997,"end_word":1036,"sentiment":"neutral","sentiment_score":-0.005541587248444557},{"text":"That's perfect. When it comes to your beneficiary nominations, so in the event that something happens to you, I have Elizabeth nominated at a 100%.","start_word":1037,"end_word":1061,"sentiment":"positive","sentiment_score":0.3758935034275055},{"text":"Is that still correct? Yep. Yep.","start_word":1062,"end_word":1067,"sentiment":"neutral","sentiment_score":0.2077405750751495},{"text":"Perfect.","start_word":1068,"end_word":1068,"sentiment":"positive","sentiment_score":0.5999100208282471},{"text":"And, I guess, otherwise, kind of goals that you are working towards in the next twelve months. Last time we spoke, your main focus was to save a bit of money and do some house renovation. Yeah. I guess I'm always trying to do Try Yeah. to do a That's little bit of that. okay. Yeah. That's okay. Otherwise, a bit more medium to long term. We're looking at maybe buying an investment property and buy a new car. Is that still Yep. kind of the plans as well? Yeah? Do you have any other, like, new goals that you are working through in the next twelve months financially or nonfinancially at all? Yeah. No. That's sort of it. That's the main thing? Okay. Perfect. Yeah. Now the next thing I do wanna quickly run over with you, Adam, it's just a bit of an updated risk profile, and that is just simply to see if we need to make any changes to your investment portfolio within your superannuation. So there is Yep. no right or wrong answer. It's just whatever you feel is the most appropriate for you. And if it doesn't make sense, just let me know. Okay. Now have you ever bought direct shares yourself? No. Perfect. Next is in regards to inflation. So inflation means that things are getting more expensive over time, kind of making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to try to keep up with the rising prices when it comes to your superannuation? Would you say very high risk, high, moderate, or a small amount of risk in order to try to keep up pace with inflation? Hard to know with the camera in the water at the moment. Yeah. I don't know. I'm leaking A bit in between media and my home. medium or low? Okay.","start_word":1069,"end_word":1392,"sentiment":"neutral","sentiment_score":0.00043408939741367914},{"text":"Perfect.","start_word":1393,"end_word":1393,"sentiment":"positive","sentiment_score":0.3405698239803314},{"text":"And how would you feel about volatility? So if, let's say, six months after placing an investment, you found out that your portfolio has decreased by 20% due to general trends in their financial market. Now would you try to take advantage of that? I think that now is potentially a good time to invest a little bit more while the prices are down, or would you kind of hold, wait to see what happens, Or would you want to shift through a more secure asset, but that means then you are then selling when the prices have already dropped? It's a bit tricky because, obviously, it depends on what's going on. Yeah. How long do you think So it's gonna go exactly. on for? Would you say kind of somewhere in the middle, hold and wait to see what happens, and then maybe sometimes invest a little bit, sometimes sell out depending on, I guess, forecasting and stuff like that. Yeah. We'll go with that Yep. one. Yep. Okay. Next up is in regards to fluctuations in superannuation. So have you ever noticed your superannuation obviously fall in value? Obviously, what's going on in the world the last twelve months? We have seen a lot of fluctuations in in in the market and in the world. And then, obviously, going back to COVID as well, we did see, you know, a bit of fluctuation and stuff then as well. If you did notice your superannuation, you know, full in value, how would that make you feel? Would you stay optimistic about potential future investment opportunities? A bit more, you know, neutral, not making further investments, or you think that would make you feel quite concerned or anxious? Probably the middle answer. The middle? Perfect. So kind of Last a bit time new. it went. Yeah. Unless it was going on for too long. Yeah. Yes. Yeah. No. Definitely. Then there might be a bit more of a structural issue. Obviously, things Yeah. do fluctuate short term, especially if you are in, you know, your high growth portfolio. It is kind of what you see and expect through periods of time. But, obviously, if that goes on for a prolonged period of time, then, you know, there might need to be more drastic changes Yeah. to be made. Yep. And last one here, Adam, is have you ever considered taking out a loan to invest in stocks or funds? No. Would you ever consider taking out a loan to buy an investment property? I think I would need to. Yep. Okay. Now that tells me here that you have come out as a growth investor. And at the moment, we have you invested in a high growth portfolio. So do you know the difference between those two at all? Yeah. I believe Yeah. How would you describe it to me? so. Putting you on the spot. So my growth would be you're taking more risks with Yep. smaller like, investing in not yet not domain. Mhmm. Like, that I don't know. Like, gold or Mhmm. the the I don't know how to explain it.","start_word":1394,"end_word":1917,"sentiment":"neutral","sentiment_score":-0.04301601807579739},{"text":"You are on the right path, though. Like, you your the concept is definitely there.","start_word":1918,"end_word":1932,"sentiment":"positive","sentiment_score":0.3956519067287445},{"text":"And, But you know, if if we do think typically between a high growth and growth, obviously, the focus still to maximize growth into your preannuation while you do have, you know, plenty of time until you do retire. And in both scenarios, you are, you know, prepared to experience a level of fluctuation in order to kind of grow your super long term. The difference between them typically is that in a high growth portfolio, that is how you are currently invested, we see about 90% of the funds invested in growth assets. So that will be things like Australian shares, international shares, property, and commodity. And that is what's going to maximize those return for you and only about 10% in your defensive investment. So that will be, like, your cash, your gold, your fixed interest, for example. So they're in the fluctuations a little bit. Now Yep. in a growth portfolio, it's about a 10% difference. So you have 80% in your growth and 20 in defensive. Typically, Yep. in a high growth, you would see higher fluctuations short term, but long term, you can see higher returns as as a result. Growth, obviously, you see slightly less fluctuations, but you can obviously have a little bit less growth in the returns as well. Looking at a time frame point of view, so making sure that you have enough time in the market for those fluctuations. In a high growth, we wanna allow a minimum of eight years until retirement to make sure you have enough time in the market. Growth, we say minimum six years. How do you feel at the moment? Do you feel that you are comfortable taking on a little bit more high growth to get that growth long term? Are you feeling a little bit more risk advanced? Would you like to change it? What do you think? Usually, I'm happy to go with the high growth, but I'm not sure about this upcoming year. Yeah. But It's I'm not ultimately, I'm not an expert. up yeah. Ultimately, it's kind of up through what you are comfortable with. So from a time frame point of view, you do have plenty of time until retirement. So we typically see, you know, a lot of clients in your age around a high growth, if not even more, because you have the time. But at the same time, you also then play in with your risk tolerance. But if you see a lot of fluctuations and if you have, you know, a year or so where it is down, if that's going to make you quite concerned, we could look at changing up. The only thing is by changing it, it will mean that, obviously, you would sell down some investments, so that can be a little bit of capital gains tax. With it, we obviously try to minimize that by looking at swapping a few things out to minimize it, and it is more of your your long term investment. So, typically, if we are decreasing it, which we're more than happy to do if you are comp if you would prefer, It is something that you ideally want to leave for a longer period of time. So it's not typically something you want to do each year. You wanna unless you you get to a point where you are getting close to retirement, then we do wanna, you know, gradually take it down the rest. I'll just keep it as it is then. Yeah? Are you sure? Yeah. Yeah. I Okay. to be honest, I didn't need to look at my thing properly, so it doesn't stress Yeah. me out. Okay.","start_word":1933,"end_word":2550,"sentiment":"neutral","sentiment_score":0.09029623207826058},{"text":"Perfect.","start_word":2551,"end_word":2551,"sentiment":"positive","sentiment_score":0.4450387954711914},{"text":"And kind of like we touched on already as well that, you know, in a high growth portfolio, typically, the likelihood of a negative return, now that is obviously you don't know what's going to happen in the world, or the market, we see about one in every five years. So during, obviously, their investing period, there's going to be times like now, for example, where we've seen a lot more changes, and things aren't obviously growing as much. But then with how your investments are invested as well, it will grow long term. Now if we obviously see that there are some of those investments that need to be structurally changed, then we can still do so. And I do wanna kind of go through the investments a little bit with you, and there is one that I'm would like to swap out for you if you're happy to do so. But, Yep. otherwise, we'll leave high growth for now. Now if you wanna obviously revisit that at any point in time, if you don't feel comfortable, just give me a call or we can kind of reassess it at next under review. So given the time frame you have for the fluctuations, it's it's a suitable portfolio as long as, yeah, you are kind of comfortable with that. Yep. Yeah. Perfect. Now are you still driving, or do you have access to your emails? Driving at the moment. I can't Okay. pull over. I need to. No. It's up to you. I have sent you an email with some documents. I quickly wanna run through it with you. The only reason I do ask if you have access to your emails is that it makes it a bit more interactive for you.","start_word":2552,"end_word":2845,"sentiment":"neutral","sentiment_score":0.06250664591789246},{"text":"But if you are happy for me to just kind of run through the documents while you're driving, then I'm happy to do so. And then when you you know, it's obviously safe for you to do so. And when you have some time, you can just have a look over them.","start_word":2846,"end_word":2897,"sentiment":"positive","sentiment_score":0.5599103569984436},{"text":"And then if you have any questions, you can always give me a callback. Okay. Yeah.","start_word":2898,"end_word":2913,"sentiment":"neutral","sentiment_score":0.25990307331085205},{"text":"That should be fine.","start_word":2914,"end_word":2917,"sentiment":"positive","sentiment_score":0.45271775126457214},{"text":"Yeah.","start_word":2918,"end_word":2918,"sentiment":"neutral","sentiment_score":0.3234432339668274},{"text":"Yeah. Okay. Perfect.","start_word":2919,"end_word":2921,"sentiment":"positive","sentiment_score":0.5203826427459717},{"text":"So have a look through your emails when you have a moment. Now we have just changed our software. So it's going to look a little bit different through the DocuSign that you are used through. It's still kind of the same, though, with the digital signature, but it will look a little bit different. So when you do get the email, before you click on the link, there are a couple of attachments. So these are all the attachments, just for your reference that you don't need to sign, but it's all there so you can have a look at it. So when you do have a look at it, you will see, the first one, which is your Vanguard index chart. Now you probably would have seen this last time, at your under review. It's a bit of an updated one, but it is Yep.","start_word":2922,"end_word":3068,"sentiment":"neutral","sentiment_score":0.15221455693244934},{"text":"a good one to to kind of give you a good visual representation of what we are talking about when we're talking about the market. Especially in kind of today's environment as well, it is good to kind of see that more long term picture.","start_word":3069,"end_word":3113,"sentiment":"positive","sentiment_score":0.47798821330070496},{"text":"So when you do have a look at it, you will see that it goes back to 1995 and then all the ups and downs that's happened in the world since then until 2025. Now Yep. it also breaks down the different asset classes. So it breaks down your US shares, Australian shares, international shares, and property. Now these top four are your growth investments, like I mentioned earlier. And then you have your bottom three, which are your defensive. And when you do have a look at it, you will see that the the growth investments, these are the ones that have grown, significantly the most, but they also fluctuate the most in the short term. Now when you do have a look at it as well is that when you when you look at it, you will see that the biggest drops in the market are quite closely followed by big increases again. Typically speaking Yep. as well, obviously, we don't wanna sell out unless there is structural issues or we don't foresee anything coming back around. You wanna obviously avoid sometimes selling at the bottom because that's when you only crystallize the losses while you're selling at the bottom, and sometimes that's even a good buying opportunity for potentially buying a little bit cheaper as long as you obviously foresee that to come back around. So Yep. that Vandex index chart, it just kind of gives you a good visualization of that, essentially, Yep. Which then takes us through your portfolio. So part of it as well, you will see a twelve month report. Now this one here shows you all your all your investments, how they have performed over the last twelve months. Now everything is net of fees. So like I said, obviously, there's been a lot of fluctuations in the market over the last twelve months. So after after all fees have come out of your account, your portfolio and now this doesn't include contributions. That is just your investment. It has gone up by about 0.24%. So it's still gone up a little bit. Obviously, there has been a lot of fluctuations in the market like I mentioned. But one of the investments in your portfolio, which is the one that kind of underperformed the most, I would like to look at changing if you are happy to do so. So that is your Benelong Australian equity. So when you have a look at that, it's your top managed fund option when you look at this report. So it might look a little bit messy, but it's the Benelon Yes. Australian equity one.","start_word":3114,"end_word":3553,"sentiment":"neutral","sentiment_score":0.08959410881454294},{"text":"Now the reason is that when we originally added this to your portfolio when you came on board, it was doing really, really well. It was one of the top performing fund managers at the time, and they have done really well.","start_word":3554,"end_word":3595,"sentiment":"positive","sentiment_score":0.560081558568137},{"text":"Now the purpose of that investment was to try to investment in order Yep.","start_word":3596,"end_word":3609,"sentiment":"neutral","sentiment_score":0.2812807261943817},{"text":"to tryna outperform the market, which they had done really, really well at.","start_word":3610,"end_word":3622,"sentiment":"positive","sentiment_score":0.49881672859191895},{"text":"But more recently, some of their, choices in the investments haven't performed as well.","start_word":3623,"end_word":3636,"sentiment":"neutral","sentiment_score":-0.3144996762275696},{"text":"They've been a little bit slower with making changes as well.","start_word":3637,"end_word":3647,"sentiment":"negative","sentiment_score":-0.5467624664306641},{"text":"And, also, one of the other reasons why, that investment kind of underperformed a little bit was that one of the, kind of underperformed a little bit was that one of the companies that they had in their portfolio was the Corporate Travel Group. I'm not sure if you've heard of it. It was on the news and stuff like that as well. What was the cold, sir? Corporate Travel Group. Not everything, sir. No. Essentially, it was a company where they weren't really disclosing their reporting correctly. So because Yep.","start_word":3648,"end_word":3738,"sentiment":"neutral","sentiment_score":-0.243214413523674},{"text":"of that, it actually caused a suspense from trading. And kind of because of that, obviously, the the investments fell.","start_word":3739,"end_word":3758,"sentiment":"negative","sentiment_score":-0.3914667069911957},{"text":"Now we've Yep. Yep. done a lot of investments on all your investments, and some of them are more your cyclical changes Where it's, for example, the beta share cybersecurity, which is one of your satellite investments, it's more of what is going on in the world. We still very much believe in that investment, so we then don't wanna sell out of those.","start_word":3759,"end_word":3822,"sentiment":"neutral","sentiment_score":0.001217609504237771},{"text":"But the Benelong one, we do see that because they're a bit of it slower in making those changes, and because it has that active component, they are a little bit more expensive.","start_word":3823,"end_word":3855,"sentiment":"negative","sentiment_score":-0.3359537422657013},{"text":"So the investment committee Yep. have done extensive research on all the investments and kind of come to the decision as well that we would like to swap it out because we don't foresee kind of increasing as much or be the best option moving forward. So Yep. because you are obviously selling out of an Australian investment, we have come up with another investment option to change it for, which is your a 200. So, again, it is including your Australian investment, but it is a little bit more simplified in that you are not actively trying to buy and sell investments. And instead, you're kind of tracking the 200 largest companies on the ASX or in Australia. So as a company Yep. kind of grows, they get included on it. As a company doesn't grow, don't do as well, it kind of falls off. So it's kind of a little bit more steady while still having the growth.","start_word":3856,"end_word":4015,"sentiment":"neutral","sentiment_score":-0.010729674017056825},{"text":"And because of that, it is actually making the investments a little bit cheaper, and it has also performed a little bit better. Yep. Are you happy for us to go and make that change for you? Yes.","start_word":4016,"end_word":4053,"sentiment":"positive","sentiment_score":0.5678737759590149},{"text":"Yeah. Okay. So what I will do just for your record so that you have it, I will get the team to email you. It's called a record of advice. You don't have to sign it. It's just for your records to indicate the the swap by Benelung Australian Equity to the a 200 just so you have it for your record. Yep. And we'll go ahead and make that change. Now, otherwise, when it comes through the documents, so almost finished, you will have a super insurance summary. That one basically shows you your current superannuation balance. So at the moment, it's at 137,701. And then you also have your Clearview insurances. So you have life and total permanent disability. Now that is 1,575,075 worth of that. Yep. And then you also have your income protection. Now your income protection is paying 6,000 sorry. My computer just froze for a moment. Just bear with me. Always like that with technology, isn't it? Yep. It's always when it doesn't work, and it's I think IT is doing something, but let me just try to get I'm that in for up my all for the time. you. It's great when it works, but when it Yeah. has its moments, it's let me just try to close it down for you. Now while I wait for this to come back up, obviously, if you are expecting a bit of a a pay rise, there is a chance that, obviously, your income protection will be slightly underinsured. So, obviously because you can have up to 70% of your income covered. Would you like to look at increasing it, or are you still feel like the amount you are covered for will still kind of cover cover you? Because if we do increase it, it will get more expensive because you are covered for more, And we have to go through kind of the underwriting process again. But if you feel like it is slightly less at the moment and you want more, we can go down that path as well. It is up to you. Yep. I think I'm gonna leave it the same for now. Yep. And if it changes, obviously, when you do find out the pay rise, if it's kind of more than expected or if at any point in time you do change your mind, just give me a call again, and we can always run through it with you. Yep. Now my computer is still not really working, so I can't see the documents, but you will get email them, and you can have a look at it. And that basically just breaks down your income protection. It also shows you the total premium for all of them. And you don't pay for them out of pocket. It's all through your superannuation. Yep. Yep. Now some other documents you will see, you will see just an updated financial services guide for you. It's one of those compliance documents. It's just a bit of an updated version.","start_word":4054,"end_word":4561,"sentiment":"neutral","sentiment_score":0.05628629386659682},{"text":"We've had some changes to our marketing, which is great, and also a bit of an extension to the team.","start_word":4562,"end_word":4581,"sentiment":"positive","sentiment_score":0.48798301815986633},{"text":"So if you wanna have a read over, those two, it's all in there for you. Again, just if you want to, but all the important information about us is in there. If you do have a read over it, I'm also there on page 10, I believe, in the big document if you do wanna put a face to the voice. Yep.","start_word":4582,"end_word":4644,"sentiment":"neutral","sentiment_score":0.1944981962442398},{"text":"Perfect.","start_word":4645,"end_word":4645,"sentiment":"positive","sentiment_score":0.5923683643341064},{"text":"And the last thing is that when you then click on the link, it will just be asking you to sign through documents.","start_word":4646,"end_word":4668,"sentiment":"neutral","sentiment_score":0.16070441901683807},{"text":"Now that is your ongoing service agreement, which is just to say that you are happy to stay on as a client, and we can keep servicing you.","start_word":4669,"end_word":4696,"sentiment":"positive","sentiment_score":0.5543302297592163},{"text":"But as with any time, it is not a lock in contract. So if at any point in time you are not happy, there is no lock in contract.","start_word":4697,"end_word":4725,"sentiment":"neutral","sentiment_score":0.030686961486935616},{"text":"But, otherwise, this essentially just lets us service you make these changes and everything for you, otherwise.","start_word":4726,"end_word":4742,"sentiment":"positive","sentiment_score":0.3563043177127838},{"text":"Yep. And then and then the last thing is just a tax file number. It's just a compliance document, basically, to say that we do keep your tax file number secure on file. And that was essentially all those documents. Do you have any other questions for me, Adam? No questions. No?","start_word":4743,"end_word":4794,"sentiment":"neutral","sentiment_score":0.23329895734786987},{"text":"Perfect.","start_word":4795,"end_word":4795,"sentiment":"positive","sentiment_score":0.4153655171394348},{"text":"There is one thing I do wanted to quickly check with you is Yep. that I know you've been speaking to my colleague, Jack, in regards to potentially do you know what that's about? Yeah. Do you want to go down that and having a look at getting that back exclusion removed, or what are you what are you feeling? Not at the moment. No? Okay. Just let me know if it does take I know it's a a tedious thing sometimes, and the insurer can be a bit particular with these things. They are obviously assessing risk. So it is a bit tedious to do If it is that we can get a back exclusion removed, it is always something I do strongly suggest because if something ever were to happen to you and you do have the back exclusion and you don't get covered, especially if there is a situation where you don't have any issues and you could be covered. So have Yep. a think about it. And if it is something you want to look I at did again, start I working on it, but I've yeah. got it written down in my notes all the questions they asked, and I Yeah. started Because answering it, but I just haven't finished it. that's okay.","start_word":4796,"end_word":5013,"sentiment":"neutral","sentiment_score":-0.06218452751636505},{"text":"And Because what very I can lazy.","start_word":5014,"end_word":5020,"sentiment":"negative","sentiment_score":-0.5223426222801208},{"text":"do otherwise yes. What I can do otherwise to make it easier for you, if you're happy, I can just quickly transfer you to Jack, and he can read you the questions and you can just verbalize them. Uh-huh. And then he can Uh-huh. just send it out to Sam. Or It's do not you that prefer easy. to do okay. Okay. It doesn't No. happen That's a long okay. time ago, and I scheduled it all Okay. day now. No. That's It's transcript fine. Take your stuff. yeah. Especially sometimes going back a long time can be can be hard to remember. So I will leave Yeah. it with you then. If it changes or do you want Jack to resend you the questions or anything, or you have it? It's just a matter of a processing Yeah. thing. I haven't forgotten about it. It's just time and Yeah. energy. Yeah. Yeah. That's okay. Especially with insurance, it But can be like that. So I will leave it with you. yeah. If you do have time, you wanna do it, just have a look through those questions and send it back to Jack, and then we can get that off to Clearview to look at getting that Yep. removed. But, obviously, do it do it in your own time. And then the last thing is just that ID we have on file has expired. So have you recently received, like, a new driver's license or anything? Yep. Cool. So what I'll get might get Yeah. you to do is I'll actually get the team to send you an email. That way, to make it easy, if you can just respond when you have a moment just with a photo of the front and the back of the license, and we can just update that record for you. Yep. Yep.","start_word":5021,"end_word":5330,"sentiment":"neutral","sentiment_score":0.04958450370017559},{"text":"Perfect.","start_word":5331,"end_word":5331,"sentiment":"positive","sentiment_score":0.49950823187828064},{"text":"Do you have any other questions for me, Adam, before I let you go? No. No? Okay.","start_word":5332,"end_word":5348,"sentiment":"neutral","sentiment_score":0.14631947875022888},{"text":"Perfect.","start_word":5349,"end_word":5349,"sentiment":"positive","sentiment_score":0.3550359606742859},{"text":"So like I said, when you have a moment, have a look through the documents. Any questions, let me know. Otherwise, Yep. we just need you to sign those documents. I'll it'll get notified, and it'll come back to me, and I'll get that all authorized for you. And, also, keep a look at of that ROA just to for your reference to say that we have made that investment change for the Benelung investment for you. Yep. Okay. Yep.","start_word":5350,"end_word":5429,"sentiment":"neutral","sentiment_score":0.19363905638456344},{"text":"Not a problem. Perfect. Well, thank you so much for your time today, Adam. Hopefully, you have a lovely rest of your day.","start_word":5430,"end_word":5452,"sentiment":"positive","sentiment_score":0.742327868938446},{"text":"And if there's anything else that you do need, don't hesitate to give me a call.","start_word":5453,"end_word":5468,"sentiment":"neutral","sentiment_score":0.2973371148109436},{"text":"Not a problem. Thank you. No problem at all.","start_word":5469,"end_word":5477,"sentiment":"positive","sentiment_score":0.4567433297634125},{"text":"We'll speak soon. Yep. Yep. Okay. Bye.","start_word":5478,"end_word":5484,"sentiment":"neutral","sentiment_score":0.17327216267585754}],"average":{"sentiment":"neutral","sentiment_score":0.06674053297035057}}}}