{"metadata":{"transaction_key":"deprecated","request_id":"019d6c01-9465-7931-b66d-2ab7dde15cee","sha256":"7f54f848300e76840fc23aee9070027a13e1487e5e1d41a1339d53de48f5ba6e","created":"2026-04-08T07:32:18.228Z","duration":866.23193,"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":3593,"output_tokens":183},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4028,"output_tokens":4036},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4028,"output_tokens":396}},"results":{"channels":[{"alternatives":[{"transcript":"Yeah. I'm not too sure if it's a bad connection or not, but I'm not too sure why it keeps dropping out there. Yeah. I'll try and make it a little bit quicker so in case you have a bad connection, it keeps dropping out there. But again, unfortunately, if I could just pass you through security yep. Sorry. Thanks. And and then, yeah, these calls are recorded there. As I was saying there, so the high growth portfolio is about that ninety ten split. So it would be increasing your exposure slightly to those growth assets aiming for that longer term. Growth, obviously, in the short term with the war and everything, it's likely to have a bit more volatility, and we'll see those higher fluctuations of ups and downs. But over the long term, having that higher allocation of growth assets does mean that you have the chance and exposure to get more capital growth over that longer period of time. Now in regards to best interest, Judy, obviously, maintaining hub twenty four, it means you don't have to pay as large capital gains because we'll be looking at keeping a core of your portfolio the same. Within regards to that portfolio that or platform that you're familiar with, it's still competitive in the market. It's like, with its reporting capabilities and ease of advice implementation for more advanced strategies, adviser led. It is still a competitive market and product in the market. And then with that, we're aiming to just put you in a better position over that next five to ten year period as I was saying. Now the recommended portfolio although your portfolio has done quite well, minus the Benelon, we're looking at recommending you a more lower cost investment option moving forward that's a bit more passive, reduced fees that's, gonna increase the amount of money you have going towards your investments and returns over the long term and that compounding effect will result in a a CGT liability of around the $420. But with that, the investment saving each year will be around $377 per annum. So with that, in a couple of years, you would have recouped the cost of the CDT and the switch just on those fee savings alone with the investment switch. Now within regards to that, it will help increase your diversification there with the areas that we're looking at recommending in the portfolio. It'll reduce the volatility in the portfolio even though you're increasing your exposure to growth assets because we are looking at removing those actively managed funds and just having that index approach, which means you're just tracking the indexes. You're not aiming to outperform that market. You're just looking to track what the market's doing. And then with that, removes the level of management risk there as well in your portfolio. So although you're increasing your risk in terms of having more growth assets, you won't have that active management risk like what occurred with Bennelong. You're just tracking what the market's doing. If the market's doing well, you do quite well. If the market take a bit of a dip, although your super might take a little bit of a dip as well, it just means that unless you're with a fund manager that actually picked the winners in that scenario, then likelihood would be that your super would take that dip as well like what happened with METALON except that was outside that, and it almost did worse than the indexes over that period of time, if that makes sense. Okay. So the the main thing there is, obviously, you're just you're changing up your investments. You're removing those active management risks, which means you don't have anyone that is managing the fund and picking and choosing the investments. It just means that, say, like, the S and P 500, top 500 companies in America, you hold those top 500. And if a company gets big enough and goes into that comp top 500, you'll own it. And if it gets worse and falls out, then it'll drop out. You're not having a manager picking and choosing winners, whereas, like, Benelon was picking and choosing, and they picked the wrong wrong investment. And then with that announcement, caused their fund to take a bit of a dive, whereas that doesn't typically occur to the extent that it happened with Benelon in an index fund, if that makes sense. Perfect. So the advantages of that is it's a lower investment fee. It's along with the agreed risk profile increasing that risk. You'd be able to remain a client at Ophi Financial, and you'll eliminate that manager risk. Disadvantages is there's no guarantee that investments obviously perform as recommended. That's the one thing that's, you know, poor about investments in the market is that you're not guaranteed to get the returns of those funds. It's the one thing that isn't guaranteed because past performance is an indicative of future performance, but hopefully being those index funds, it sets you up a nice long term sustained growth. And then with that, you will pay some brokerage costs and that CGT liability, but hopefully over the long term paying less investment costs, it just puts you in a better position and it has a little less volatility while increasing your exposure to those growth assets. Yep. Perfect. Now the short term risk there is when changing up those investments with the markets are currently with the war, you may miss out on some potential gains if the market was to take a bit of a die or jump while you're sort of in in cash, if it takes a bit of a dive in that period, you get it for a little bit less. That's just something to be mindful of. But given your age, you do have plenty of time to recover even if it is a few percent bump while you're sitting in cash there to buy back in. That's just something to be aware of. And then with the alternatives, we did look at sort of alternative funds, maintaining active investment, but due to the the high cost of active management and then the lower historical investment returns at the moment and then high capital gains implications, we discontinued that. And then also looking at changing funds potentially to achieve a platform, it just worked out with the capital gains liability you have there. It's just better off staying with hub with the benefits you do get there, if that makes sense. Perfect. On page 16 there, you will be able to see the changes in those investments, what you'll be selling out of and what you'll be buying into. Now with that, the core of your portfolio will be the S and P 500, the top 500 companies in America. And then you'll also have in that the main call bit will be the BetaShares Australian 200, which is the top 200 companies in Australia. And then around that, you'll also have, in addition to that, some bonds for defensive asset, a Vanguard All World excluding US to get some exposure outside The US, and then you'll have Japan and Europe in that portfolio there as well. And then some physical gold and then beta share cybersecurity would be the the other investments in your portfolio. You'll be able to see those buy sells on page sixteen and seventeen there if you do wanna have a look at those. And then the main thing there on page 18, you'll be able to see that you'll move from about 86% in growth assets, about 13% defensive to around 95% growth assets, around 5% defensive, if that makes sense. Perfect. Do you have any questions in regards to that investment switch or the changes in your investment? Yeah. Not a problem at all. Now on page 19 there, you'll be able to see an illustration of that of the cost savings in regards to your investment, the capital gains bill that you would be paying there, and then the within regards to that one, on average, it will be around $250 you'll save in terms of, like, cost savings year on year. With the investment cost, obviously, your superannuation as that grows, that figure changes. And then the recommended investment has historically performed better over a three year period. But in saying that past performance isn't indicative of those future performance, the markets aren't gonna replicate year on year. I don't know what Trump's doing today, let alone tomorrow or what he's gonna tweet, and that has a direct correlation of sort of what the markets are doing. But in saying that over a long term period of time, having those index investments over that sort of twenty year period, maintaining invested, doing your contributions, it's historically showing that they do perform generally better than actively managed funds. And then with that, carry a little bit less volatility as long as the market's doing well. And if the market's doing poorly, it means that everyone's probably in the same boat much like now at the moment with the war or like a COVID event per se. So the goal is that obviously put you in a bit of a position over that next five to ten years. There is an illustration of that shows that what that might look like based on those past figures. But as I said, that's to be taken with a grain of salt. That's not like a a guaranteed return in five to ten years' time. It just shows you if the markets perform the exact same for the next three years as they did the past three years, that's what it might look like year on year. Do you have any questions in regards to the superannuation side of things or that investment change? Happy. In regards to the beneficiary nominations, we are recommending that set up a will and then establish a binding nomination to your legal personal representative, which will go to your estate. That's just given the fact that you do wanna nominate, like, sisters, mothers, you know, father, things like that. It just means that the nomination would be valid. Now the options for a will, there there are post office wills out there that aren't the most ironclad things, but they're generally cheaper, or you can go to a solicitor that will help you prepare a will, and then you can set up your nominations just to go to your legal person representative. You can preemptively fill out those forms to legal person represent representative to go to your state. It just means that you need a will in place to be able to distribute those funds per your wishes, if that makes sense. Now that could change in the future if you had a spouse in a year's time and you do wanna nominate them. That's more than fine. You just fill out the form and change it to your spouse. That's no problem at all. Obviously, going to your estate, there is a little bit of a different tack as to where it goes to individuals that may be taxed. So given that it's going to your estate there, the benefit of that is you don't get the the Medicare levy, but you still do get a a little bit of tax there when going there as opposed to having a dependent. But given even if you had an independent relationship, that adult is likely to be taxed even if they saw that as an interdependent relationship, if that makes sense. Yep. And then if it's a nondepen tax dependent such as, like, an adult that is independent relationship, it would still be, like, 15% super tax and then 2% Medicare levy for that individual as opposed to going to your estate there. I think, obviously, the benefit of setting up a will is, like, your assets that you do hold get distributed per your wishes in addition to your superannuation balances should anything happen. Now a power of attorney there the benefit of power of attorney, if anything did happen to where you were incapacitated, there is someone that there that might be able to make financial or medical health decisions for you. If you do set up, like, an advanced health care directive, things like that, it takes a lot of the decisions out of, like, your family's hands should something go wrong if you put it on a piece of paper form in addition to the fact that it's able to sort of pay bills on your behalf and not sort of have to go through the courts to to get that if you do have that in conjunction with the will. If anything sort of was to happen where you're unable to make some financial decisions for yourself. Do you have any questions in regards to those two things? Obviously, I skipped over those a little bit because we've discussed, like, wills and estates previously. But do you have any questions regarding wills and estates? All all make sense? Yep. Obviously, at any point, you can give us a call up if you were sort of thinking about going down. Does the solicitor have any questions regarding that? You can always give us a call and have a chat about that. That's no problem at all. Obviously, in regards to the adviser fee, it is still the 1.65% of the superannuation balance is around the 1,900 or $1,961 and then 22% of the Clearview insurance premium, which is around $244. Now that's based on percentage of the the balance and then percentage of your premium. You don't pay us an additional cost for the insurance that we do receive. We just get it as a remuneration for holding a policy with that insurer out of the premium that you pay them. We just have to disclose it based on the fact that we do receive it. Obviously, the superannuation fee for ongoing client, that comes directly out of your superannuation, if that all makes sense. Do you have any questions in regards to fee or how that's charged or anything there, Benjamin? Not a problem at all. Now in regards to the advice piece, if you were happy to implement everything, if you did sign the document, they would update the investments on your behalf and switch that for you once you did sign. And then they would send you out the the beneficiary forms, and it'd be up to you to be able to fill those out and send those back, and then also in regards to speaking with a lawyer and setting up the will and a power of attorney. Yeah. You can still fill them out preemptively and then just have it yeah. And then, like, obviously, you know, as long as nothing happens between no. You can just fill out the beneficiaries as, like, legal person representative is the recommendation. And then once you set up your will, it's not until anything happens that it actually means anything. It's just on file. You can obviously, as long as nothing happens for now and you setting up your will, that's more than fine. And even if it did, the likelihood even if you had, like, your mother, sister, or anything as a nomination, the likelihood they would find it as a as a nomination, the likelihood they would find it as a non valid nomination, and it would likely end up at your estate anyway unless they, yeah, sorta saw any sort of independent relationship, which is generally quite rare if you rare if you're not sort of supporting them financially or anything like that and giving you're not living with them. But in saying that, you can still fill out the forms or at least you can have a copy to fill out once you get it all sorted, which is which is fine. But that's a very sort of brief overview of the estate planning side of things. But in regards to superannuation investments, anything that I've discussed there today, is there anything you want a bit more clarification on or anything that didn't make sense All makes sense? You're you're comfortable with the change from, like, a more active to a more passive approach in regards to your investments and how that will play out for the next few years? Perfect. If you did have any questions, obviously, feel free to give us a call up, have a look through if you wanted, or if you did sign it, that'd get the investment switch done sort of probably next week sometime. And then that would all be enforced, and then it's up to the state planning side of you to do in your your own time, but they'll send you the forms at least. And then if you have any questions regarding that, you can always give us a call. But anything else you wanna have a chat about while you've got me there at all then? Not a problem at all. Any questions you do have or do come up, feel free to give us a a ring, but otherwise, I'll let you get back to your afternoon. Cheers, Benjamin. You enjoy the rest of your hour. I'll talk soon. Bye.","confidence":0.996888,"words":[{"word":"yeah","start":3.36,"end":3.6799998,"confidence":0.86160386,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14371110498905182},{"word":"i'm","start":3.6799998,"end":3.84,"confidence":0.9965099,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2953168749809265},{"word":"not","start":3.84,"end":4.0,"confidence":0.999845,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.29175183176994324},{"word":"too","start":4.0,"end":4.16,"confidence":0.991572,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.31054896116256714},{"word":"sure","start":4.16,"end":4.3199997,"confidence":0.99992263,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.31509703397750854},{"word":"if","start":4.3199997,"end":4.48,"confidence":0.99008906,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2720356583595276},{"word":"it's","start":4.48,"end":4.64,"confidence":0.99948794,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.32201993465423584},{"word":"a","start":4.64,"end":4.72,"confidence":0.9939681,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3446173369884491},{"word":"bad","start":4.72,"end":4.96,"confidence":0.99845195,"punctuated_word":"bad","sentiment":"negative","sentiment_score":-0.5127849578857422},{"word":"connection","start":4.96,"end":5.46,"confidence":0.99994934,"punctuated_word":"connection","sentiment":"negative","sentiment_score":-0.5651499032974243},{"word":"or","start":5.52,"end":5.6,"confidence":0.9993937,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2557027041912079},{"word":"not","start":5.6,"end":5.92,"confidence":0.9626473,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":-0.3144514262676239},{"word":"but","start":5.92,"end":6.16,"confidence":0.992,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.220374196767807},{"word":"i'm","start":6.16,"end":6.48,"confidence":0.73391104,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.45339757204055786},{"word":"not","start":6.48,"end":6.64,"confidence":0.9957526,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4828606545925141},{"word":"too","start":6.64,"end":6.7999997,"confidence":0.9862932,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.4370129406452179},{"word":"sure","start":6.7999997,"end":7.04,"confidence":0.9994935,"punctuated_word":"sure","sentiment":"negative","sentiment_score":-0.45510703325271606},{"word":"why","start":7.04,"end":7.2799997,"confidence":0.99928445,"punctuated_word":"why","sentiment":"negative","sentiment_score":-0.4889541268348694},{"word":"it","start":7.2799997,"end":7.3599997,"confidence":0.9960936,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.508200466632843},{"word":"keeps","start":7.3599997,"end":7.68,"confidence":0.9969137,"punctuated_word":"keeps","sentiment":"negative","sentiment_score":-0.5550317764282227},{"word":"dropping","start":7.68,"end":8.0,"confidence":0.9919363,"punctuated_word":"dropping","sentiment":"negative","sentiment_score":-0.5025754570960999},{"word":"out","start":8.0,"end":8.24,"confidence":0.9993672,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.5054845809936523},{"word":"there","start":8.24,"end":8.74,"confidence":0.99921775,"punctuated_word":"there.","sentiment":"negative","sentiment_score":-0.4151320159435272},{"word":"yeah","start":11.28,"end":11.679999,"confidence":0.99892914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00830165296792984},{"word":"i'll","start":11.679999,"end":11.92,"confidence":0.9991746,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.04200787842273712},{"word":"try","start":11.92,"end":12.16,"confidence":0.9982849,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.040090978145599365},{"word":"and","start":12.16,"end":12.32,"confidence":0.9394445,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.011241048574447632},{"word":"make","start":12.32,"end":12.559999,"confidence":0.99870014,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.019523918628692627},{"word":"it","start":12.559999,"end":12.88,"confidence":0.9880953,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.006302960216999054},{"word":"a","start":12.88,"end":13.04,"confidence":0.9980854,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025235969573259354},{"word":"little","start":13.04,"end":13.28,"confidence":0.9729815,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.036667510867118835},{"word":"bit","start":13.28,"end":13.44,"confidence":0.99949837,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.056617721915245056},{"word":"quicker","start":13.44,"end":13.759999,"confidence":0.99962366,"punctuated_word":"quicker","sentiment":"neutral","sentiment_score":0.02947589755058289},{"word":"so","start":13.759999,"end":14.0,"confidence":0.458838,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.021851927042007446},{"word":"in","start":14.0,"end":14.16,"confidence":0.9670227,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.040103599429130554},{"word":"case","start":14.16,"end":14.32,"confidence":0.9958735,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.019534200429916385},{"word":"you","start":14.32,"end":14.48,"confidence":0.58098596,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12217999249696732},{"word":"have","start":14.48,"end":14.639999,"confidence":0.97275937,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1315712034702301},{"word":"a","start":14.639999,"end":14.719999,"confidence":0.9811483,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15533247590065002},{"word":"bad","start":14.719999,"end":14.88,"confidence":0.99749243,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":-0.2738252878189087},{"word":"connection","start":14.88,"end":15.315,"confidence":0.82578933,"punctuated_word":"connection,","sentiment":"neutral","sentiment_score":-0.2426469922065735},{"word":"it","start":15.3949995,"end":15.474999,"confidence":0.98599154,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2361450642347336},{"word":"keeps","start":15.474999,"end":15.714999,"confidence":0.9984427,"punctuated_word":"keeps","sentiment":"negative","sentiment_score":-0.3345656096935272},{"word":"dropping","start":15.714999,"end":15.875,"confidence":0.99796,"punctuated_word":"dropping","sentiment":"neutral","sentiment_score":-0.2338058352470398},{"word":"out","start":15.875,"end":16.035,"confidence":0.9996388,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.24963167309761047},{"word":"there","start":16.035,"end":16.275,"confidence":0.97401893,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.1647602766752243},{"word":"but","start":16.275,"end":16.595,"confidence":0.9992778,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.08619353920221329},{"word":"again","start":16.595,"end":16.835,"confidence":0.777051,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.09074664115905762},{"word":"unfortunately","start":16.835,"end":17.234999,"confidence":0.97939765,"punctuated_word":"unfortunately,","sentiment":"neutral","sentiment_score":-0.18150052428245544},{"word":"if","start":17.234999,"end":17.314999,"confidence":0.95446837,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.10702739655971528},{"word":"i","start":17.314999,"end":17.395,"confidence":0.9963559,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13956473767757416},{"word":"could","start":17.395,"end":17.555,"confidence":0.91935605,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.18282322585582733},{"word":"just","start":17.555,"end":17.715,"confidence":0.9961069,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1832122802734375},{"word":"pass","start":17.715,"end":17.955,"confidence":0.9959223,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.2482744008302689},{"word":"you","start":17.955,"end":18.275,"confidence":0.875677,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006659865379333496},{"word":"through","start":18.275,"end":18.515,"confidence":0.9137129,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.023519527167081833},{"word":"security","start":18.515,"end":19.015,"confidence":0.93363863,"punctuated_word":"security","sentiment":"neutral","sentiment_score":-0.02218563482165337},{"word":"yep","start":22.035,"end":22.535,"confidence":0.8605077,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.007057064678519964},{"word":"sorry","start":24.755,"end":25.075,"confidence":0.60797405,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.03052840754389763},{"word":"thanks","start":25.075,"end":25.395,"confidence":0.5901303,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":0.32336121797561646},{"word":"and","start":25.395,"end":25.715,"confidence":0.6074372,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12060776352882384},{"word":"and","start":25.715,"end":25.875,"confidence":0.72799426,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09100347757339478},{"word":"then","start":25.875,"end":26.115,"confidence":0.89551204,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.10700930655002594},{"word":"yeah","start":26.115,"end":26.355,"confidence":0.9746734,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.13650920987129211},{"word":"these","start":26.355,"end":26.595,"confidence":0.99891555,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.0473712682723999},{"word":"calls","start":26.595,"end":26.835,"confidence":0.9995795,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.04226101189851761},{"word":"are","start":26.835,"end":26.994999,"confidence":0.9952917,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02643559128046036},{"word":"recorded","start":26.994999,"end":27.395,"confidence":0.99988544,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.02365081012248993},{"word":"there","start":27.395,"end":27.895,"confidence":0.9901429,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.02784769982099533},{"word":"as","start":28.14,"end":28.3,"confidence":0.9779895,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.0703825131058693},{"word":"i","start":28.3,"end":28.38,"confidence":0.97920716,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10031380504369736},{"word":"was","start":28.38,"end":28.619999,"confidence":0.9505496,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05256757140159607},{"word":"saying","start":28.619999,"end":29.1,"confidence":0.9958548,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.07241622358560562},{"word":"there","start":29.1,"end":29.42,"confidence":0.67770195,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.0695149153470993},{"word":"so","start":29.42,"end":29.74,"confidence":0.65967894,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0955054834485054},{"word":"the","start":29.74,"end":29.82,"confidence":0.9851636,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1742236316204071},{"word":"high","start":29.82,"end":30.06,"confidence":0.98486346,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.2307738810777664},{"word":"growth","start":30.06,"end":30.38,"confidence":0.99038285,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2141038477420807},{"word":"portfolio","start":30.38,"end":30.88,"confidence":0.9615695,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.10203488171100616},{"word":"is","start":30.939999,"end":31.099998,"confidence":0.7264831,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10633852332830428},{"word":"about","start":31.099998,"end":31.34,"confidence":0.4007036,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0994725450873375},{"word":"that","start":31.34,"end":31.42,"confidence":0.79671776,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12748700380325317},{"word":"ninety","start":31.42,"end":31.74,"confidence":0.9714627,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.07591916620731354},{"word":"ten","start":31.74,"end":31.98,"confidence":0.59948486,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.04071905091404915},{"word":"split","start":31.98,"end":32.22,"confidence":0.705263,"punctuated_word":"split.","sentiment":"neutral","sentiment_score":0.05673182010650635},{"word":"so","start":32.22,"end":32.300003,"confidence":0.97883284,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10244914144277573},{"word":"it","start":32.300003,"end":32.38,"confidence":0.75582707,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14519135653972626},{"word":"would","start":32.38,"end":32.62,"confidence":0.99028313,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1920921206474304},{"word":"be","start":32.62,"end":32.7,"confidence":0.9971322,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17458584904670715},{"word":"increasing","start":32.7,"end":33.18,"confidence":0.9955746,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.13379906117916107},{"word":"your","start":33.18,"end":33.34,"confidence":0.95255965,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19725166261196136},{"word":"exposure","start":33.34,"end":33.82,"confidence":0.9822916,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.23194029927253723},{"word":"slightly","start":33.82,"end":34.14,"confidence":0.99643457,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":0.0691327452659607},{"word":"to","start":34.14,"end":34.3,"confidence":0.9993826,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28254345059394836},{"word":"those","start":34.3,"end":34.54,"confidence":0.99964607,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.18281635642051697},{"word":"growth","start":34.54,"end":34.78,"confidence":0.985386,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.18622958660125732},{"word":"assets","start":34.78,"end":35.26,"confidence":0.99820864,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.17233775556087494},{"word":"aiming","start":35.26,"end":35.5,"confidence":0.5304494,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.18428051471710205},{"word":"for","start":35.5,"end":35.66,"confidence":0.9981066,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20084455609321591},{"word":"that","start":35.66,"end":35.9,"confidence":0.9991008,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16353857517242432},{"word":"longer","start":35.9,"end":36.22,"confidence":0.9991605,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.18617519736289975},{"word":"term","start":36.22,"end":36.72,"confidence":0.9050628,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":0.1852591931819916},{"word":"growth","start":36.78,"end":37.18,"confidence":0.94889003,"punctuated_word":"Growth,","sentiment":"neutral","sentiment_score":0.07384081929922104},{"word":"obviously","start":37.18,"end":37.579998,"confidence":0.9830885,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.05255920439958573},{"word":"in","start":37.579998,"end":37.739998,"confidence":0.9998154,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.005443558096885681},{"word":"the","start":37.739998,"end":37.9,"confidence":0.99123037,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.011934533715248108},{"word":"short","start":37.9,"end":38.14,"confidence":0.9998286,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.02036452293395996},{"word":"term","start":38.14,"end":38.379997,"confidence":0.9989079,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.019609540700912476},{"word":"with","start":38.379997,"end":38.54,"confidence":0.8413965,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08456510305404663},{"word":"the","start":38.54,"end":38.62,"confidence":0.99526006,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12856525182724},{"word":"war","start":38.62,"end":38.78,"confidence":0.95787704,"punctuated_word":"war","sentiment":"neutral","sentiment_score":-0.17093566060066223},{"word":"and","start":38.78,"end":38.94,"confidence":0.9961014,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07995127141475677},{"word":"everything","start":38.94,"end":39.26,"confidence":0.8861201,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":-0.05316445231437683},{"word":"it's","start":39.26,"end":39.5,"confidence":0.97632366,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11546681821346284},{"word":"likely","start":39.5,"end":39.82,"confidence":0.9990922,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":-0.08024336397647858},{"word":"to","start":39.82,"end":39.98,"confidence":0.9984534,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.056190744042396545},{"word":"have","start":39.98,"end":40.14,"confidence":0.9998293,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1183605045080185},{"word":"a","start":40.14,"end":40.22,"confidence":0.999775,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11313734203577042},{"word":"bit","start":40.22,"end":40.379997,"confidence":0.9996189,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11392030119895936},{"word":"more","start":40.379997,"end":40.54,"confidence":0.9997137,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.16719737648963928},{"word":"volatility","start":40.54,"end":41.02,"confidence":0.86756873,"punctuated_word":"volatility,","sentiment":"neutral","sentiment_score":-0.13556914031505585},{"word":"and","start":41.02,"end":41.26,"confidence":0.9998068,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06116463243961334},{"word":"we'll","start":41.26,"end":41.5,"confidence":0.96913254,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.02115097269415855},{"word":"see","start":41.5,"end":41.739998,"confidence":0.9993728,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.007025435566902161},{"word":"those","start":41.739998,"end":41.9,"confidence":0.999699,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.002128034830093384},{"word":"higher","start":41.9,"end":42.3,"confidence":0.6459264,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.12307614833116531},{"word":"fluctuations","start":42.3,"end":42.8,"confidence":0.99915314,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":-0.0694182813167572},{"word":"of","start":42.94,"end":43.1,"confidence":0.99811137,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1364215463399887},{"word":"ups","start":43.1,"end":43.34,"confidence":0.99733514,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.14212286472320557},{"word":"and","start":43.34,"end":43.42,"confidence":0.99956626,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19150349497795105},{"word":"downs","start":43.42,"end":43.875,"confidence":0.9230008,"punctuated_word":"downs.","sentiment":"neutral","sentiment_score":-0.12635263800621033},{"word":"but","start":44.435,"end":44.595,"confidence":0.97106105,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.16625510156154633},{"word":"over","start":44.595,"end":44.835,"confidence":0.9918881,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.25081565976142883},{"word":"the","start":44.835,"end":44.915,"confidence":0.99925023,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20720478892326355},{"word":"long","start":44.915,"end":45.155,"confidence":0.9998474,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2809925377368927},{"word":"term","start":45.155,"end":45.395,"confidence":0.992981,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":0.26084837317466736},{"word":"having","start":45.395,"end":45.635,"confidence":0.9996245,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.3504360616207123},{"word":"that","start":45.635,"end":45.795,"confidence":0.9857739,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.38185083866119385},{"word":"higher","start":45.795,"end":46.115,"confidence":0.5738837,"punctuated_word":"higher","sentiment":"positive","sentiment_score":0.38530561327934265},{"word":"allocation","start":46.115,"end":46.515,"confidence":0.9867719,"punctuated_word":"allocation","sentiment":"positive","sentiment_score":0.37465253472328186},{"word":"of","start":46.515,"end":46.595,"confidence":0.6146129,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4704602360725403},{"word":"growth","start":46.595,"end":46.915,"confidence":0.9883083,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.36643296480178833},{"word":"assets","start":46.915,"end":47.315,"confidence":0.9953923,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.3174384832382202},{"word":"does","start":47.315,"end":47.555,"confidence":0.99039537,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.3972357511520386},{"word":"mean","start":47.555,"end":47.795,"confidence":0.9990558,"punctuated_word":"mean","sentiment":"positive","sentiment_score":0.363750159740448},{"word":"that","start":47.795,"end":47.955,"confidence":0.99969995,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3678547143936157},{"word":"you","start":47.955,"end":48.114998,"confidence":0.99981385,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37270158529281616},{"word":"have","start":48.114998,"end":48.275,"confidence":0.9997917,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.31801754236221313},{"word":"the","start":48.275,"end":48.435,"confidence":0.99421245,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27281129360198975},{"word":"chance","start":48.435,"end":48.755,"confidence":0.99982685,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.20787355303764343},{"word":"and","start":48.755,"end":48.995,"confidence":0.96732336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25188401341438293},{"word":"exposure","start":48.995,"end":49.495,"confidence":0.9996855,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.1840858459472656},{"word":"to","start":49.795,"end":49.955,"confidence":0.9997793,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.33666205406188965},{"word":"get","start":49.955,"end":50.114998,"confidence":0.9999031,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3742265701293946},{"word":"more","start":50.114998,"end":50.355,"confidence":0.9998833,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.366283655166626},{"word":"capital","start":50.355,"end":50.755,"confidence":0.99958867,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.23749203979969025},{"word":"growth","start":50.755,"end":50.995,"confidence":0.9993711,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.42593666911125183},{"word":"over","start":50.995,"end":51.235,"confidence":0.9996743,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.47392964363098145},{"word":"that","start":51.235,"end":51.395,"confidence":0.99878365,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3650687038898468},{"word":"longer","start":51.395,"end":51.635,"confidence":0.8953095,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.30191823840141296},{"word":"period","start":51.635,"end":51.955,"confidence":0.9989126,"punctuated_word":"period","sentiment":"positive","sentiment_score":0.34580546617507935},{"word":"of","start":51.955,"end":52.114998,"confidence":0.9986389,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3487410545349121},{"word":"time","start":52.114998,"end":52.614998,"confidence":0.99865925,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.3320133090019226},{"word":"now","start":53.315,"end":53.815,"confidence":0.9914443,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2535158693790436},{"word":"in","start":54.035,"end":54.275,"confidence":0.9364666,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16612237691879272},{"word":"regards","start":54.275,"end":54.595,"confidence":0.99515057,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.1408749222755432},{"word":"to","start":54.595,"end":54.755,"confidence":0.9690044,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30475470423698425},{"word":"best","start":54.755,"end":54.915,"confidence":0.9374518,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.29946479201316833},{"word":"interest","start":54.915,"end":55.235,"confidence":0.7905176,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.32042303681373596},{"word":"judy","start":55.235,"end":55.555,"confidence":0.7284131,"punctuated_word":"Judy,","sentiment":"neutral","sentiment_score":0.3290683329105377},{"word":"obviously","start":55.555,"end":55.955,"confidence":0.8879032,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.3303946852684021},{"word":"maintaining","start":55.955,"end":56.355,"confidence":0.9964735,"punctuated_word":"maintaining","sentiment":"positive","sentiment_score":0.4270603954792022},{"word":"hub","start":56.355,"end":56.595,"confidence":0.42376575,"punctuated_word":"hub","sentiment":"positive","sentiment_score":0.38574689626693726},{"word":"twenty","start":56.595,"end":56.91,"confidence":0.9290114,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.4239559173583984},{"word":"four","start":56.91,"end":57.15,"confidence":0.74183536,"punctuated_word":"four,","sentiment":"positive","sentiment_score":0.3469700813293457},{"word":"it","start":57.15,"end":57.23,"confidence":0.96002585,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3291809558868408},{"word":"means","start":57.23,"end":57.39,"confidence":0.99884546,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.30628737807273865},{"word":"you","start":57.39,"end":57.63,"confidence":0.996874,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4207051992416382},{"word":"don't","start":57.63,"end":57.87,"confidence":0.99978995,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.3065255880355835},{"word":"have","start":57.87,"end":58.03,"confidence":0.999694,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.31725260615348816},{"word":"to","start":58.03,"end":58.11,"confidence":0.99884003,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21924243867397308},{"word":"pay","start":58.11,"end":58.35,"confidence":0.9996898,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.10298305749893188},{"word":"as","start":58.35,"end":58.51,"confidence":0.9982053,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13799911737442017},{"word":"large","start":58.51,"end":58.75,"confidence":0.98520654,"punctuated_word":"large","sentiment":"neutral","sentiment_score":0.00709669291973114},{"word":"capital","start":58.75,"end":59.15,"confidence":0.95368093,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.03682428598403931},{"word":"gains","start":59.15,"end":59.31,"confidence":0.9866941,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.1701333224773407},{"word":"because","start":59.31,"end":59.47,"confidence":0.6879858,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.22332412004470825},{"word":"we'll","start":59.47,"end":59.63,"confidence":0.77720344,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.40103453397750854},{"word":"be","start":59.63,"end":59.79,"confidence":0.997995,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.43706339597702026},{"word":"looking","start":59.79,"end":60.03,"confidence":0.99884146,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.42469966411590576},{"word":"at","start":60.03,"end":60.11,"confidence":0.955486,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4179806709289551},{"word":"keeping","start":60.11,"end":60.35,"confidence":0.99779475,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.4872346520423889},{"word":"a","start":60.35,"end":60.43,"confidence":0.1541042,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.461986780166626},{"word":"core","start":60.43,"end":60.67,"confidence":0.6550163,"punctuated_word":"core","sentiment":"positive","sentiment_score":0.45674511790275574},{"word":"of","start":60.67,"end":60.829998,"confidence":0.6121039,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4077042639255524},{"word":"your","start":60.829998,"end":60.91,"confidence":0.68700165,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3952288329601288},{"word":"portfolio","start":60.91,"end":61.39,"confidence":0.99944323,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2708530128002167},{"word":"the","start":61.39,"end":61.63,"confidence":0.9835407,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39038535952568054},{"word":"same","start":61.63,"end":62.13,"confidence":0.84560144,"punctuated_word":"same.","sentiment":"positive","sentiment_score":0.35311272740364075},{"word":"within","start":62.51,"end":62.91,"confidence":0.6855156,"punctuated_word":"Within","sentiment":"neutral","sentiment_score":0.28491154313087463},{"word":"regards","start":62.91,"end":63.23,"confidence":0.9973598,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.25721976161003113},{"word":"to","start":63.23,"end":63.39,"confidence":0.9984291,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.39249223470687866},{"word":"that","start":63.39,"end":63.79,"confidence":0.998524,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3485124409198761},{"word":"portfolio","start":63.79,"end":64.29,"confidence":0.976005,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.26632216572761536},{"word":"that","start":64.35,"end":64.85,"confidence":0.7125512,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3493261933326721},{"word":"or","start":65.15,"end":65.47,"confidence":0.9500838,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.3049428462982178},{"word":"platform","start":65.47,"end":65.87,"confidence":0.88946456,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.3093549609184265},{"word":"that","start":65.87,"end":66.03,"confidence":0.99942327,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3440110385417938},{"word":"you're","start":66.03,"end":66.19,"confidence":0.99928296,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.35793834924697876},{"word":"familiar","start":66.19,"end":66.59,"confidence":0.99983096,"punctuated_word":"familiar","sentiment":"positive","sentiment_score":0.3637402653694153},{"word":"with","start":66.59,"end":66.83,"confidence":0.9862207,"punctuated_word":"with,","sentiment":"positive","sentiment_score":0.4235115647315979},{"word":"it's","start":66.83,"end":67.07,"confidence":0.99348295,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.48239749670028687},{"word":"still","start":67.07,"end":67.229996,"confidence":0.9972977,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5357038378715515},{"word":"competitive","start":67.229996,"end":67.71,"confidence":0.98953176,"punctuated_word":"competitive","sentiment":"positive","sentiment_score":0.5229470133781433},{"word":"in","start":67.71,"end":67.87,"confidence":0.9984268,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4665113091468811},{"word":"the","start":67.87,"end":67.95,"confidence":0.9991123,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5734171271324158},{"word":"market","start":67.95,"end":68.35,"confidence":0.9938618,"punctuated_word":"market.","sentiment":"positive","sentiment_score":0.4833751916885376},{"word":"it's","start":68.35,"end":68.47,"confidence":0.9975793,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4149389863014221},{"word":"like","start":68.59,"end":68.75,"confidence":0.83922863,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.39742037653923035},{"word":"with","start":68.75,"end":68.91,"confidence":0.9951485,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4135330021381378},{"word":"its","start":68.91,"end":69.15,"confidence":0.87455094,"punctuated_word":"its","sentiment":"positive","sentiment_score":0.3964884281158447},{"word":"reporting","start":69.15,"end":69.55,"confidence":0.99652857,"punctuated_word":"reporting","sentiment":"positive","sentiment_score":0.5028822422027588},{"word":"capabilities","start":69.55,"end":70.05,"confidence":0.9995204,"punctuated_word":"capabilities","sentiment":"positive","sentiment_score":0.3613754212856293},{"word":"and","start":70.27,"end":70.77,"confidence":0.9710713,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4994243383407593},{"word":"ease","start":70.83,"end":71.15,"confidence":0.9875782,"punctuated_word":"ease","sentiment":"positive","sentiment_score":0.6099627017974854},{"word":"of","start":71.15,"end":71.65,"confidence":0.9987822,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5458046197891235},{"word":"advice","start":72.055,"end":72.375,"confidence":0.88305664,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.4445710778236389},{"word":"implementation","start":72.375,"end":72.875,"confidence":0.9474538,"punctuated_word":"implementation","sentiment":"positive","sentiment_score":0.4935813248157501},{"word":"for","start":73.015,"end":73.255,"confidence":0.9949065,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.49230295419692993},{"word":"more","start":73.255,"end":73.494995,"confidence":0.9994641,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4009728729724884},{"word":"advanced","start":73.494995,"end":73.994995,"confidence":0.9774999,"punctuated_word":"advanced","sentiment":"positive","sentiment_score":0.46961510181427},{"word":"strategies","start":74.134995,"end":74.634995,"confidence":0.62801826,"punctuated_word":"strategies,","sentiment":"positive","sentiment_score":0.459530770778656},{"word":"adviser","start":74.854996,"end":75.354996,"confidence":0.6556577,"punctuated_word":"adviser","sentiment":"positive","sentiment_score":0.4900650680065155},{"word":"led","start":75.41499,"end":75.91499,"confidence":0.8910169,"punctuated_word":"led.","sentiment":"positive","sentiment_score":0.5502660870552063},{"word":"it","start":76.134995,"end":76.295,"confidence":0.9378795,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5698371529579163},{"word":"is","start":76.295,"end":76.375,"confidence":0.9996681,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5472986698150635},{"word":"still","start":76.375,"end":76.494995,"confidence":0.9994978,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.6081177592277527},{"word":"a","start":76.494995,"end":76.615,"confidence":0.99029166,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6319988965988159},{"word":"competitive","start":76.615,"end":77.115,"confidence":0.99984014,"punctuated_word":"competitive","sentiment":"positive","sentiment_score":0.5610129237174988},{"word":"market","start":77.41499,"end":77.91499,"confidence":0.9997297,"punctuated_word":"market","sentiment":"positive","sentiment_score":0.5571088194847107},{"word":"and","start":78.05499,"end":78.295,"confidence":0.97247225,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6666907072067261},{"word":"product","start":78.295,"end":78.774994,"confidence":0.93335795,"punctuated_word":"product","sentiment":"positive","sentiment_score":0.526367723941803},{"word":"in","start":78.774994,"end":78.935,"confidence":0.99941206,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5604445934295654},{"word":"the","start":78.935,"end":79.015,"confidence":0.99928975,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6041253209114075},{"word":"market","start":79.015,"end":79.515,"confidence":0.96130943,"punctuated_word":"market.","sentiment":"positive","sentiment_score":0.4441025257110596},{"word":"and","start":80.534996,"end":80.774994,"confidence":0.98441905,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.488066166639328},{"word":"then","start":80.774994,"end":81.174995,"confidence":0.9986676,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.453933984041214},{"word":"with","start":81.174995,"end":81.41499,"confidence":0.9820977,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5172620415687561},{"word":"that","start":81.41499,"end":81.91499,"confidence":0.99665904,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.4641507863998413},{"word":"we're","start":82.05499,"end":82.295,"confidence":0.9991634,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.605684220790863},{"word":"aiming","start":82.295,"end":82.534996,"confidence":0.9997373,"punctuated_word":"aiming","sentiment":"positive","sentiment_score":0.5967580080032349},{"word":"to","start":82.534996,"end":82.695,"confidence":0.9990728,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6529223322868347},{"word":"just","start":82.695,"end":82.854996,"confidence":0.9993795,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.6254145503044128},{"word":"put","start":82.854996,"end":82.935,"confidence":0.9996762,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.6631346344947815},{"word":"you","start":82.935,"end":83.09499,"confidence":0.989017,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6823847889900208},{"word":"in","start":83.09499,"end":83.174995,"confidence":0.9956671,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.731453537940979},{"word":"a","start":83.174995,"end":83.255,"confidence":0.9980641,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6781875491142273},{"word":"better","start":83.255,"end":83.41499,"confidence":0.9997085,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.5214504599571228},{"word":"position","start":83.41499,"end":83.735,"confidence":0.9993988,"punctuated_word":"position","sentiment":"positive","sentiment_score":0.6336587071418762},{"word":"over","start":83.735,"end":83.895,"confidence":0.9743144,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.6255949139595032},{"word":"that","start":83.895,"end":84.05499,"confidence":0.96848834,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5689831972122192},{"word":"next","start":84.05499,"end":84.215,"confidence":0.99550253,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.46139344573020935},{"word":"five","start":84.215,"end":84.375,"confidence":0.9972982,"punctuated_word":"five","sentiment":"positive","sentiment_score":0.4807856380939483},{"word":"to","start":84.375,"end":84.534996,"confidence":0.97828376,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3566534221172333},{"word":"ten","start":84.534996,"end":84.69499,"confidence":0.9992261,"punctuated_word":"ten","sentiment":"positive","sentiment_score":0.5339300632476807},{"word":"year","start":84.69499,"end":84.935,"confidence":0.98868924,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.44096440076828},{"word":"period","start":84.935,"end":85.255,"confidence":0.99179614,"punctuated_word":"period","sentiment":"positive","sentiment_score":0.6002414226531982},{"word":"as","start":85.255,"end":85.33499,"confidence":0.5481476,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6014560461044312},{"word":"i","start":85.33499,"end":85.41499,"confidence":0.9920087,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4443681240081787},{"word":"was","start":85.41499,"end":85.575,"confidence":0.99187064,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.33764830231666565},{"word":"saying","start":85.575,"end":85.814995,"confidence":0.99764085,"punctuated_word":"saying.","sentiment":"neutral","sentiment_score":-0.05820022523403168},{"word":"now","start":85.814995,"end":85.975,"confidence":0.99073166,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08016563206911087},{"word":"the","start":85.975,"end":86.134995,"confidence":0.96968687,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07122117280960083},{"word":"recommended","start":86.134995,"end":86.634995,"confidence":0.9894756,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.10180334746837616},{"word":"portfolio","start":86.82,"end":87.020004,"confidence":0.97584957,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.05912351608276367},{"word":"although","start":87.22,"end":87.46,"confidence":0.9064422,"punctuated_word":"although","sentiment":"neutral","sentiment_score":-0.0016049370169639587},{"word":"your","start":87.46,"end":87.7,"confidence":0.9826058,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14376622438430786},{"word":"portfolio","start":87.7,"end":88.1,"confidence":0.99900985,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.031703606247901917},{"word":"has","start":88.1,"end":88.26,"confidence":0.99960107,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.17283987998962402},{"word":"done","start":88.26,"end":88.5,"confidence":0.99885154,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2784338593482971},{"word":"quite","start":88.5,"end":88.659996,"confidence":0.9998167,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.3288407623767853},{"word":"well","start":88.659996,"end":89.159996,"confidence":0.80161035,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.1786285936832428},{"word":"minus","start":89.86,"end":90.26,"confidence":0.7208488,"punctuated_word":"minus","sentiment":"neutral","sentiment_score":0.03499704599380493},{"word":"the","start":90.26,"end":90.42,"confidence":0.99194384,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019978627562522888},{"word":"benelon","start":90.42,"end":90.92,"confidence":0.7170074,"punctuated_word":"Benelon,","sentiment":"neutral","sentiment_score":-0.05024794861674309},{"word":"we're","start":91.22,"end":91.54,"confidence":0.9568576,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1377105414867401},{"word":"looking","start":91.54,"end":91.7,"confidence":0.9998286,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.12705564498901367},{"word":"at","start":91.7,"end":91.86,"confidence":0.9993563,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13208705186843872},{"word":"recommending","start":91.86,"end":92.34,"confidence":0.9996381,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.2513061761856079},{"word":"you","start":92.34,"end":92.42,"confidence":0.7189945,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31314197182655334},{"word":"a","start":92.42,"end":92.58,"confidence":0.87022203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2262978702783585},{"word":"more","start":92.58,"end":92.74,"confidence":0.99891996,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1232316792011261},{"word":"lower","start":92.74,"end":93.06,"confidence":0.99846303,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.2590883672237396},{"word":"cost","start":93.06,"end":93.38,"confidence":0.9993013,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.3644059896469116},{"word":"investment","start":93.38,"end":93.86,"confidence":0.9993874,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.13170887529850006},{"word":"option","start":93.86,"end":94.18,"confidence":0.9991792,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.1622418761253357},{"word":"moving","start":94.18,"end":94.34,"confidence":0.9952382,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.286249041557312},{"word":"forward","start":94.34,"end":94.659996,"confidence":0.9995511,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.35098177194595337},{"word":"that's","start":94.659996,"end":94.9,"confidence":0.8170235,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.3227204978466034},{"word":"a","start":94.9,"end":94.979996,"confidence":0.89023954,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32878577709198},{"word":"bit","start":94.979996,"end":95.14,"confidence":0.99960953,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2732120156288147},{"word":"more","start":95.14,"end":95.3,"confidence":0.9996668,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2340930998325348},{"word":"passive","start":95.3,"end":95.8,"confidence":0.90483284,"punctuated_word":"passive,","sentiment":"neutral","sentiment_score":0.3212299346923828},{"word":"reduced","start":96.18,"end":96.66,"confidence":0.51315814,"punctuated_word":"reduced","sentiment":"neutral","sentiment_score":0.2029622942209244},{"word":"fees","start":96.66,"end":97.06,"confidence":0.9694146,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.4399000406265259},{"word":"that's","start":97.06,"end":97.46,"confidence":0.7237625,"punctuated_word":"that's,","sentiment":"positive","sentiment_score":0.34567511081695557},{"word":"gonna","start":97.7,"end":98.02,"confidence":0.9948618,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.4571191072463989},{"word":"increase","start":98.02,"end":98.42,"confidence":0.9992324,"punctuated_word":"increase","sentiment":"positive","sentiment_score":0.5480574369430542},{"word":"the","start":98.42,"end":98.5,"confidence":0.9982186,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5643277168273926},{"word":"amount","start":98.5,"end":98.82,"confidence":0.9998909,"punctuated_word":"amount","sentiment":"positive","sentiment_score":0.5845186114311218},{"word":"of","start":98.82,"end":99.075,"confidence":0.99942255,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.625991702079773},{"word":"money","start":99.555,"end":99.795,"confidence":0.99917823,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.593724250793457},{"word":"you","start":99.795,"end":99.954994,"confidence":0.99967194,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5905125737190247},{"word":"have","start":99.954994,"end":100.115,"confidence":0.99978787,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.6534395217895508},{"word":"going","start":100.115,"end":100.354996,"confidence":0.9992848,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.636816680431366},{"word":"towards","start":100.354996,"end":100.674995,"confidence":0.997334,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.658481240272522},{"word":"your","start":100.674995,"end":100.835,"confidence":0.99648166,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5476136207580566},{"word":"investments","start":100.835,"end":101.235,"confidence":0.78952914,"punctuated_word":"investments","sentiment":"positive","sentiment_score":0.37700462341308594},{"word":"and","start":101.235,"end":101.395,"confidence":0.97489095,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6754905581474304},{"word":"returns","start":101.395,"end":101.795,"confidence":0.9932233,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.6811894774436951},{"word":"over","start":101.795,"end":101.954994,"confidence":0.94262147,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.610495388507843},{"word":"the","start":101.954994,"end":102.034996,"confidence":0.99654514,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5139638185501099},{"word":"long","start":102.034996,"end":102.195,"confidence":0.9997147,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.5619909763336182},{"word":"term","start":102.195,"end":102.354996,"confidence":0.999228,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.4464995861053467},{"word":"and","start":102.354996,"end":102.515,"confidence":0.5802982,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2992261052131653},{"word":"that","start":102.515,"end":102.755,"confidence":0.99742365,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31245675683021545},{"word":"compounding","start":102.755,"end":103.155,"confidence":0.9985373,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.46268370747566223},{"word":"effect","start":103.155,"end":103.655,"confidence":0.9980003,"punctuated_word":"effect","sentiment":"positive","sentiment_score":0.4808926582336426},{"word":"will","start":104.435,"end":104.835,"confidence":0.59776354,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2979876697063446},{"word":"result","start":104.835,"end":105.314995,"confidence":0.99954945,"punctuated_word":"result","sentiment":"neutral","sentiment_score":0.2953094244003296},{"word":"in","start":105.314995,"end":105.814995,"confidence":0.99956137,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2509443759918213},{"word":"a","start":106.195,"end":106.274994,"confidence":0.99724704,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1927405744791031},{"word":"a","start":106.274994,"end":106.354996,"confidence":0.92173165,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18872660398483276},{"word":"cgt","start":106.354996,"end":106.835,"confidence":0.97007966,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.13317272067070007},{"word":"liability","start":106.835,"end":107.314995,"confidence":0.99074453,"punctuated_word":"liability","sentiment":"neutral","sentiment_score":0.1358262449502945},{"word":"of","start":107.314995,"end":107.395,"confidence":0.9261341,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13593220710754397},{"word":"around","start":107.395,"end":107.634995,"confidence":0.9996189,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.19692546129226685},{"word":"the","start":107.634995,"end":107.795,"confidence":0.96673155,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1884145736694336},{"word":"$420","start":107.795,"end":109.09499,"confidence":0.95700675,"punctuated_word":"$420.","sentiment":"neutral","sentiment_score":0.2332628071308136},{"word":"but","start":109.475,"end":109.715,"confidence":0.9607948,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.15865236520767212},{"word":"with","start":109.715,"end":109.954994,"confidence":0.99736553,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1943834125995636},{"word":"that","start":109.954994,"end":110.354996,"confidence":0.9966944,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.17736120522022247},{"word":"the","start":110.354996,"end":110.674995,"confidence":0.9991334,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29782843589782715},{"word":"investment","start":110.674995,"end":111.155,"confidence":0.9989442,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.15769749879837036},{"word":"saving","start":111.155,"end":111.475,"confidence":0.96366924,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":0.32540029287338257},{"word":"each","start":111.475,"end":111.634995,"confidence":0.9521941,"punctuated_word":"each","sentiment":"positive","sentiment_score":0.3620900809764862},{"word":"year","start":111.634995,"end":111.795,"confidence":0.99821943,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.37845557928085327},{"word":"will","start":111.795,"end":111.875,"confidence":0.91227067,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2001057118177414},{"word":"be","start":111.875,"end":112.034996,"confidence":0.9995148,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.32113999128341675},{"word":"around","start":112.034996,"end":112.274994,"confidence":0.9991968,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.26441091299057007},{"word":"$377","start":112.274994,"end":113.7,"confidence":0.9520384,"punctuated_word":"$377","sentiment":"positive","sentiment_score":0.348591148853302},{"word":"per","start":113.7,"end":113.86,"confidence":0.99973875,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.273844450712204},{"word":"annum","start":113.86,"end":114.1,"confidence":0.99433714,"punctuated_word":"annum.","sentiment":"neutral","sentiment_score":0.26418745517730713},{"word":"so","start":114.1,"end":114.42,"confidence":0.9992667,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.27451300621032715},{"word":"with","start":114.42,"end":114.659996,"confidence":0.9879951,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3631587028503418},{"word":"that","start":114.659996,"end":114.82,"confidence":0.80771977,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.3465622067451477},{"word":"in","start":114.82,"end":114.899994,"confidence":0.99813604,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4556729793548584},{"word":"a","start":114.899994,"end":114.979996,"confidence":0.9992693,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4710921049118042},{"word":"couple","start":114.979996,"end":115.21999,"confidence":0.9998996,"punctuated_word":"couple","sentiment":"positive","sentiment_score":0.4010613560676574},{"word":"of","start":115.21999,"end":115.299995,"confidence":0.70172125,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.45741719007492065},{"word":"years","start":115.299995,"end":115.46,"confidence":0.9838736,"punctuated_word":"years,","sentiment":"positive","sentiment_score":0.40650150179862976},{"word":"you","start":115.46,"end":115.53999,"confidence":0.99953187,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4613402783870697},{"word":"would","start":115.53999,"end":115.7,"confidence":0.9974899,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.40368765592575073},{"word":"have","start":115.7,"end":115.86,"confidence":0.7584585,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.35399940609931946},{"word":"recouped","start":115.86,"end":116.36,"confidence":0.9969737,"punctuated_word":"recouped","sentiment":"positive","sentiment_score":0.36264729499816895},{"word":"the","start":116.659996,"end":116.82,"confidence":0.99665207,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3795413076877594},{"word":"cost","start":116.82,"end":117.06,"confidence":0.99934334,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.34671542048454285},{"word":"of","start":117.06,"end":117.21999,"confidence":0.9998679,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3434962332248688},{"word":"the","start":117.21999,"end":117.38,"confidence":0.9992962,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3294241726398468},{"word":"cdt","start":117.38,"end":117.86,"confidence":0.85803604,"punctuated_word":"CDT","sentiment":"neutral","sentiment_score":0.2363387495279312},{"word":"and","start":117.86,"end":118.02,"confidence":0.7071997,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28452053666114807},{"word":"the","start":118.02,"end":118.18,"confidence":0.9968786,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3006940484046936},{"word":"switch","start":118.18,"end":118.68,"confidence":0.99959546,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.21561384201049805},{"word":"just","start":118.899994,"end":119.21999,"confidence":0.724789,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2307330220937729},{"word":"on","start":119.21999,"end":119.38,"confidence":0.9998882,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.34224122762680054},{"word":"those","start":119.38,"end":119.7,"confidence":0.9990181,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.3102967143058777},{"word":"fee","start":119.7,"end":119.939995,"confidence":0.9232225,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.351625919342041},{"word":"savings","start":119.939995,"end":120.34,"confidence":0.9924515,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.30966222286224365},{"word":"alone","start":120.34,"end":120.659996,"confidence":0.2771508,"punctuated_word":"alone","sentiment":"positive","sentiment_score":0.3754667341709137},{"word":"with","start":120.659996,"end":120.82,"confidence":0.9792715,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4234461188316345},{"word":"the","start":120.82,"end":121.06,"confidence":0.9995894,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3764728903770447},{"word":"investment","start":121.06,"end":121.46,"confidence":0.9405043,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.14900678396224976},{"word":"switch","start":121.46,"end":121.96,"confidence":0.9987458,"punctuated_word":"switch.","sentiment":"neutral","sentiment_score":0.2211267054080963},{"word":"now","start":123.21999,"end":123.71999,"confidence":0.9969752,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.44124364852905273},{"word":"within","start":123.939995,"end":124.259995,"confidence":0.7540353,"punctuated_word":"within","sentiment":"positive","sentiment_score":0.3908265233039856},{"word":"regards","start":124.259995,"end":124.579994,"confidence":0.9968843,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.32746610045433044},{"word":"to","start":124.579994,"end":124.659996,"confidence":0.9870825,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.46529749035835266},{"word":"that","start":124.659996,"end":124.899994,"confidence":0.9965889,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.4295375943183899},{"word":"it","start":124.899994,"end":124.979996,"confidence":0.99836534,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.500846266746521},{"word":"will","start":124.979996,"end":125.21999,"confidence":0.9996222,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.501610279083252},{"word":"help","start":125.21999,"end":125.46,"confidence":0.9997515,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.5436219573020935},{"word":"increase","start":125.46,"end":125.86,"confidence":0.9984907,"punctuated_word":"increase","sentiment":"positive","sentiment_score":0.5666058659553528},{"word":"your","start":125.86,"end":126.17999,"confidence":0.9794221,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6388478875160217},{"word":"diversification","start":126.17999,"end":126.67999,"confidence":0.99988735,"punctuated_word":"diversification","sentiment":"positive","sentiment_score":0.5308531522750854},{"word":"there","start":127.06,"end":127.38,"confidence":0.99878925,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.47625574469566345},{"word":"with","start":127.38,"end":127.665,"confidence":0.9408635,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5146929621696472},{"word":"the","start":127.825005,"end":128.065,"confidence":0.9997812,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4509568512439728},{"word":"areas","start":128.065,"end":128.30501,"confidence":0.9997323,"punctuated_word":"areas","sentiment":"positive","sentiment_score":0.477973997592926},{"word":"that","start":128.30501,"end":128.465,"confidence":0.9997806,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3953746259212494},{"word":"we're","start":128.465,"end":128.625,"confidence":0.9996021,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.4325850009918213},{"word":"looking","start":128.625,"end":128.865,"confidence":0.99980015,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.44368696212768555},{"word":"at","start":128.865,"end":129.105,"confidence":0.9996499,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4265078902244568},{"word":"recommending","start":129.105,"end":129.605,"confidence":0.9989807,"punctuated_word":"recommending","sentiment":"positive","sentiment_score":0.46508046984672546},{"word":"in","start":129.66501,"end":129.825,"confidence":0.99894375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4444943368434906},{"word":"the","start":129.825,"end":129.985,"confidence":0.99968386,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.424854576587677},{"word":"portfolio","start":129.985,"end":130.485,"confidence":0.9903239,"punctuated_word":"portfolio.","sentiment":"positive","sentiment_score":0.3627551198005676},{"word":"it'll","start":131.105,"end":131.345,"confidence":0.5886705,"punctuated_word":"It'll","sentiment":"positive","sentiment_score":0.5167830586433411},{"word":"reduce","start":131.345,"end":131.66501,"confidence":0.99856395,"punctuated_word":"reduce","sentiment":"positive","sentiment_score":0.34567177295684814},{"word":"the","start":131.66501,"end":131.825,"confidence":0.9986099,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3624916672706604},{"word":"volatility","start":131.825,"end":132.325,"confidence":0.99988127,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":0.15626777708530426},{"word":"in","start":132.385,"end":132.545,"confidence":0.9998006,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2645156681537628},{"word":"the","start":132.545,"end":132.705,"confidence":0.9995541,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3925528526306152},{"word":"portfolio","start":132.705,"end":133.105,"confidence":0.9996675,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.17863403260707855},{"word":"even","start":133.105,"end":133.265,"confidence":0.85676074,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.23149678111076355},{"word":"though","start":133.265,"end":133.425,"confidence":0.999705,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.13849754631519318},{"word":"you're","start":133.425,"end":133.66501,"confidence":0.86231035,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.16132891178131104},{"word":"increasing","start":133.66501,"end":134.145,"confidence":0.89488107,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.10598914325237274},{"word":"your","start":134.145,"end":134.225,"confidence":0.4551985,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1252741813659668},{"word":"exposure","start":134.225,"end":134.625,"confidence":0.6033717,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.0060024261474609375},{"word":"to","start":134.625,"end":134.705,"confidence":0.58768463,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10381186008453368},{"word":"growth","start":134.705,"end":134.945,"confidence":0.9836459,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.03998070955276489},{"word":"assets","start":134.945,"end":135.265,"confidence":0.9965668,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.1739913821220398},{"word":"because","start":135.265,"end":135.585,"confidence":0.8121079,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13003912568092346},{"word":"we","start":135.585,"end":135.66501,"confidence":0.99963987,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.20517657697200775},{"word":"are","start":135.66501,"end":135.825,"confidence":0.9993893,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18135954439640045},{"word":"looking","start":135.825,"end":136.065,"confidence":0.9996455,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.197588711977005},{"word":"at","start":136.065,"end":136.225,"confidence":0.99958485,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1801115721464157},{"word":"removing","start":136.225,"end":136.725,"confidence":0.99967647,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":0.1195606142282486},{"word":"those","start":137.025,"end":137.265,"confidence":0.9985453,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.07130196690559387},{"word":"actively","start":137.265,"end":137.745,"confidence":0.999813,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":-0.08352425694465637},{"word":"managed","start":137.745,"end":138.065,"confidence":0.99628806,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.11660214513540268},{"word":"funds","start":138.065,"end":138.305,"confidence":0.99896836,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.06675903499126434},{"word":"and","start":138.305,"end":138.465,"confidence":0.9847328,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1312580704689026},{"word":"just","start":138.465,"end":138.625,"confidence":0.99970835,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16128356754779816},{"word":"having","start":138.625,"end":138.945,"confidence":0.9993131,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.1622665673494339},{"word":"that","start":138.945,"end":139.105,"confidence":0.78481704,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21374619007110596},{"word":"index","start":139.105,"end":139.425,"confidence":0.99588543,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.17875194549560547},{"word":"approach","start":139.425,"end":139.745,"confidence":0.97017425,"punctuated_word":"approach,","sentiment":"neutral","sentiment_score":0.21194642782211304},{"word":"which","start":139.745,"end":140.245,"confidence":0.9997669,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.19878530502319336},{"word":"means","start":140.36,"end":140.6,"confidence":0.9999256,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.13081935048103333},{"word":"you're","start":140.6,"end":140.76,"confidence":0.99923176,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2150757759809494},{"word":"just","start":140.76,"end":140.92,"confidence":0.99916756,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17901897430419922},{"word":"tracking","start":140.92,"end":141.24,"confidence":0.99956256,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.2565729320049286},{"word":"the","start":141.24,"end":141.48,"confidence":0.9983424,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20279806852340695},{"word":"indexes","start":141.48,"end":141.8,"confidence":0.9275098,"punctuated_word":"indexes.","sentiment":"neutral","sentiment_score":0.2681654095649719},{"word":"you're","start":141.8,"end":141.95999,"confidence":0.99644077,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.08776183426380157},{"word":"not","start":141.95999,"end":142.12,"confidence":0.9987816,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0726410299539566},{"word":"aiming","start":142.12,"end":142.36,"confidence":0.99942505,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.05675651133060455},{"word":"to","start":142.36,"end":142.6,"confidence":0.9995166,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.021530181169509888},{"word":"outperform","start":142.6,"end":143.08,"confidence":0.98894745,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.02428339421749115},{"word":"that","start":143.08,"end":143.31999,"confidence":0.99880517,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12679237127304077},{"word":"market","start":143.31999,"end":143.64,"confidence":0.96924424,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.005146943032741547},{"word":"you're","start":143.64,"end":143.8,"confidence":0.9988047,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.056164126843214035},{"word":"just","start":143.8,"end":144.04,"confidence":0.9997615,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07041305303573608},{"word":"looking","start":144.04,"end":144.36,"confidence":0.9995048,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.10213534533977509},{"word":"to","start":144.36,"end":144.52,"confidence":0.9994542,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09650799632072447},{"word":"track","start":144.52,"end":144.76,"confidence":0.9996068,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.13608714938163757},{"word":"what","start":144.76,"end":144.92,"confidence":0.9995135,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13690215349197388},{"word":"the","start":144.92,"end":145.08,"confidence":0.99907875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.100436732172966},{"word":"market's","start":145.08,"end":145.48,"confidence":0.9625818,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":0.14014478027820587},{"word":"doing","start":145.48,"end":145.98,"confidence":0.9596435,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":0.1515122652053833},{"word":"and","start":146.76,"end":146.92,"confidence":0.9991043,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07896580547094345},{"word":"then","start":146.92,"end":147.08,"confidence":0.99958736,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11399025470018388},{"word":"with","start":147.08,"end":147.24,"confidence":0.9900932,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10201744735240936},{"word":"that","start":147.24,"end":147.74,"confidence":0.87013245,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.07199075818061829},{"word":"removes","start":148.2,"end":148.68,"confidence":0.21908404,"punctuated_word":"removes","sentiment":"neutral","sentiment_score":-0.015628475695848465},{"word":"the","start":148.68,"end":148.76,"confidence":0.9627693,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08033820241689682},{"word":"level","start":148.76,"end":149.08,"confidence":0.99984825,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.1958625316619873},{"word":"of","start":149.08,"end":149.31999,"confidence":0.9992047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19501399993896484},{"word":"management","start":149.31999,"end":149.8,"confidence":0.99982077,"punctuated_word":"management","sentiment":"neutral","sentiment_score":-0.2874498963356018},{"word":"risk","start":149.8,"end":150.04,"confidence":0.9963521,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.31429407000541687},{"word":"there","start":150.04,"end":150.28,"confidence":0.9983925,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1664276421070099},{"word":"as","start":150.28,"end":150.44,"confidence":0.9972963,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.012192577123641968},{"word":"well","start":150.44,"end":150.94,"confidence":0.9996935,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.022690027952194217},{"word":"in","start":151.16,"end":151.31999,"confidence":0.9348919,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08095138520002365},{"word":"your","start":151.31999,"end":151.48,"confidence":0.9997855,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.031908780336380005},{"word":"portfolio","start":151.48,"end":151.95999,"confidence":0.9883691,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.07679064571857452},{"word":"so","start":151.95999,"end":152.28,"confidence":0.9989034,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08141602575778961},{"word":"although","start":152.28,"end":152.6,"confidence":0.9839436,"punctuated_word":"although","sentiment":"neutral","sentiment_score":-0.0037793219089508057},{"word":"you're","start":152.6,"end":152.76,"confidence":0.8617807,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.04286167025566101},{"word":"increasing","start":152.76,"end":153.24,"confidence":0.98963684,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":-0.10142210125923155},{"word":"your","start":153.24,"end":153.4,"confidence":0.9464056,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.13092176616191864},{"word":"risk","start":153.4,"end":153.64,"confidence":0.9997348,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.29212844371795654},{"word":"in","start":153.64,"end":153.72,"confidence":0.99869066,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2151387631893158},{"word":"terms","start":153.72,"end":153.95999,"confidence":0.99995744,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.08476045727729797},{"word":"of","start":153.95999,"end":154.12,"confidence":0.99933714,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09156852215528488},{"word":"having","start":154.12,"end":154.36,"confidence":0.99971324,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.13324108719825745},{"word":"more","start":154.36,"end":154.52,"confidence":0.9994722,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.09955837577581406},{"word":"growth","start":154.52,"end":154.76,"confidence":0.99850583,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.0865228921175003},{"word":"assets","start":154.76,"end":155.145,"confidence":0.99243855,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":-0.04663925990462303},{"word":"you","start":155.145,"end":155.225,"confidence":0.99982494,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03704327344894409},{"word":"won't","start":155.225,"end":155.46501,"confidence":0.9990424,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.14314433932304382},{"word":"have","start":155.46501,"end":155.545,"confidence":0.9999181,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.14202642440795898},{"word":"that","start":155.545,"end":155.785,"confidence":0.99601495,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.21404039859771729},{"word":"active","start":155.785,"end":156.285,"confidence":0.9998388,"punctuated_word":"active","sentiment":"neutral","sentiment_score":-0.3250686526298523},{"word":"management","start":156.345,"end":156.74501,"confidence":0.9997857,"punctuated_word":"management","sentiment":"neutral","sentiment_score":-0.3229416608810425},{"word":"risk","start":156.74501,"end":157.225,"confidence":0.99558485,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.30443716049194336},{"word":"like","start":157.225,"end":157.46501,"confidence":0.834004,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.22520732879638672},{"word":"what","start":157.46501,"end":157.625,"confidence":0.9992741,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.18743270635604856},{"word":"occurred","start":157.625,"end":157.945,"confidence":0.9990157,"punctuated_word":"occurred","sentiment":"neutral","sentiment_score":-0.09908795356750488},{"word":"with","start":157.945,"end":158.10501,"confidence":0.9988681,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0942506343126297},{"word":"bennelong","start":158.10501,"end":158.60501,"confidence":0.7938435,"punctuated_word":"Bennelong.","sentiment":"neutral","sentiment_score":-0.09364084899425508},{"word":"you're","start":159.30501,"end":159.465,"confidence":0.99522346,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.013159526512026789},{"word":"just","start":159.465,"end":159.625,"confidence":0.9997055,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.016278669238090515},{"word":"tracking","start":159.625,"end":159.945,"confidence":0.9958353,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.015360727906227112},{"word":"what","start":159.945,"end":160.10501,"confidence":0.9998578,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0029008835554122925},{"word":"the","start":160.10501,"end":160.185,"confidence":0.99920815,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0021996796131134033},{"word":"market's","start":160.185,"end":160.585,"confidence":0.902277,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":0.047009870409965515},{"word":"doing","start":160.585,"end":160.825,"confidence":0.9889972,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":0.0743052214384079},{"word":"if","start":160.825,"end":160.985,"confidence":0.9993406,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0814315676689148},{"word":"the","start":160.985,"end":161.065,"confidence":0.9994418,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06890857219696045},{"word":"market's","start":161.065,"end":161.38501,"confidence":0.98660094,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":0.08121009171009064},{"word":"doing","start":161.38501,"end":161.625,"confidence":0.9996147,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.09212353825569151},{"word":"well","start":161.625,"end":161.785,"confidence":0.9993472,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.14707128703594208},{"word":"you","start":161.785,"end":161.945,"confidence":0.9998747,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21550260484218595},{"word":"do","start":161.945,"end":162.10501,"confidence":0.9970651,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20850643515586853},{"word":"quite","start":162.10501,"end":162.345,"confidence":0.99982065,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.19004327058792111},{"word":"well","start":162.345,"end":162.74501,"confidence":0.99215794,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1407274454832077},{"word":"if","start":162.74501,"end":162.905,"confidence":0.9991059,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.28031596541404724},{"word":"the","start":162.905,"end":163.065,"confidence":0.9992487,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4539106488227844},{"word":"market","start":163.065,"end":163.38501,"confidence":0.7693681,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.38598716259002686},{"word":"take","start":163.38501,"end":163.545,"confidence":0.77076864,"punctuated_word":"take","sentiment":"negative","sentiment_score":-0.4544107019901275},{"word":"a","start":163.545,"end":163.625,"confidence":0.99842346,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4412618279457092},{"word":"bit","start":163.625,"end":163.785,"confidence":0.9991875,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3730236887931824},{"word":"of","start":163.785,"end":163.865,"confidence":0.99918777,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4603663384914398},{"word":"a","start":163.865,"end":164.02501,"confidence":0.9975197,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4161277413368225},{"word":"dip","start":164.02501,"end":164.52501,"confidence":0.98259187,"punctuated_word":"dip,","sentiment":"negative","sentiment_score":-0.3698795735836029},{"word":"although","start":164.585,"end":165.085,"confidence":0.999241,"punctuated_word":"although","sentiment":"neutral","sentiment_score":-0.2484741508960724},{"word":"your","start":165.225,"end":165.465,"confidence":0.68891406,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.3760208189487457},{"word":"super","start":165.465,"end":165.785,"confidence":0.8971641,"punctuated_word":"super","sentiment":"negative","sentiment_score":-0.3857975304126739},{"word":"might","start":165.785,"end":165.945,"confidence":0.59625465,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.31288617849349976},{"word":"take","start":165.945,"end":166.10501,"confidence":0.99880207,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.3326551616191864},{"word":"a","start":166.10501,"end":166.185,"confidence":0.9980445,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3067314624786377},{"word":"little","start":166.185,"end":166.345,"confidence":0.99902844,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2716217041015625},{"word":"bit","start":166.345,"end":166.505,"confidence":0.9980787,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.30832451581954956},{"word":"of","start":166.505,"end":166.66501,"confidence":0.99715024,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3604710102081299},{"word":"a","start":166.66501,"end":166.74501,"confidence":0.990274,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.35022515058517456},{"word":"dip","start":166.74501,"end":166.985,"confidence":0.99907756,"punctuated_word":"dip","sentiment":"neutral","sentiment_score":-0.2866651117801666},{"word":"as","start":166.985,"end":167.065,"confidence":0.99497014,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.4259719252586365},{"word":"well","start":167.065,"end":167.545,"confidence":0.9406857,"punctuated_word":"well,","sentiment":"negative","sentiment_score":-0.36450597643852234},{"word":"it","start":167.545,"end":167.76,"confidence":0.73417634,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.436567485332489},{"word":"just","start":167.84,"end":168.08,"confidence":0.9995555,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.4157572090625763},{"word":"means","start":168.08,"end":168.23999,"confidence":0.99983406,"punctuated_word":"means","sentiment":"negative","sentiment_score":-0.3899719417095184},{"word":"that","start":168.23999,"end":168.72,"confidence":0.9997341,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3821284770965576},{"word":"unless","start":168.72,"end":169.04,"confidence":0.9833319,"punctuated_word":"unless","sentiment":"negative","sentiment_score":-0.4030053615570069},{"word":"you're","start":169.04,"end":169.28,"confidence":0.9343227,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.41077226400375366},{"word":"with","start":169.28,"end":169.43999,"confidence":0.9990288,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.4023910164833069},{"word":"a","start":169.43999,"end":169.51999,"confidence":0.9163571,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.36196422576904297},{"word":"fund","start":169.51999,"end":169.76,"confidence":0.9961366,"punctuated_word":"fund","sentiment":"negative","sentiment_score":-0.3942393660545349},{"word":"manager","start":169.76,"end":170.08,"confidence":0.99948007,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":-0.31799718737602234},{"word":"that","start":170.08,"end":170.31999,"confidence":0.9740942,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.31868064403533936},{"word":"actually","start":170.31999,"end":170.64,"confidence":0.68436164,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.2784202992916107},{"word":"picked","start":170.64,"end":170.87999,"confidence":0.8134026,"punctuated_word":"picked","sentiment":"negative","sentiment_score":-0.3339315354824066},{"word":"the","start":170.87999,"end":170.95999,"confidence":0.9997168,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.32795023918151855},{"word":"winners","start":170.95999,"end":171.36,"confidence":0.9967296,"punctuated_word":"winners","sentiment":"neutral","sentiment_score":-0.27882450819015503},{"word":"in","start":171.36,"end":171.51999,"confidence":0.9997186,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.28271833062171936},{"word":"that","start":171.51999,"end":171.68,"confidence":0.9998511,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3369346857070923},{"word":"scenario","start":171.68,"end":172.18,"confidence":0.9973954,"punctuated_word":"scenario,","sentiment":"neutral","sentiment_score":-0.2633998394012451},{"word":"then","start":172.56,"end":173.06,"confidence":0.999479,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.32942965626716614},{"word":"likelihood","start":173.12,"end":173.62,"confidence":0.91240454,"punctuated_word":"likelihood","sentiment":"negative","sentiment_score":-0.47699594497680664},{"word":"would","start":173.84,"end":174.0,"confidence":0.9824024,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.3757555782794952},{"word":"be","start":174.0,"end":174.15999,"confidence":0.99631774,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3930320143699646},{"word":"that","start":174.15999,"end":174.4,"confidence":0.9998109,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3588294982910156},{"word":"your","start":174.4,"end":174.64,"confidence":0.99536514,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.4170365035533905},{"word":"super","start":174.64,"end":174.95999,"confidence":0.9944194,"punctuated_word":"super","sentiment":"negative","sentiment_score":-0.39591360092163086},{"word":"would","start":174.95999,"end":175.04,"confidence":0.9993106,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.3563903570175171},{"word":"take","start":175.04,"end":175.28,"confidence":0.99953175,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.3144674301147461},{"word":"that","start":175.28,"end":175.43999,"confidence":0.9988997,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3521770238876343},{"word":"dip","start":175.43999,"end":175.59999,"confidence":0.9953761,"punctuated_word":"dip","sentiment":"negative","sentiment_score":-0.3383326828479767},{"word":"as","start":175.59999,"end":175.76,"confidence":0.9995522,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.38780826330184937},{"word":"well","start":175.76,"end":176.0,"confidence":0.9998803,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.3170037269592285},{"word":"like","start":176.0,"end":176.15999,"confidence":0.5265535,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.4039235711097718},{"word":"what","start":176.15999,"end":176.31999,"confidence":0.9981665,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.4230951964855194},{"word":"happened","start":176.31999,"end":176.81999,"confidence":0.991113,"punctuated_word":"happened","sentiment":"negative","sentiment_score":-0.33450430631637573},{"word":"with","start":176.87999,"end":177.12,"confidence":0.99888223,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2833849787712097},{"word":"metalon","start":177.12,"end":177.59999,"confidence":0.6387899,"punctuated_word":"METALON","sentiment":"neutral","sentiment_score":-0.30763673782348633},{"word":"except","start":177.59999,"end":177.92,"confidence":0.5697308,"punctuated_word":"except","sentiment":"neutral","sentiment_score":-0.20978671312332153},{"word":"that","start":177.92,"end":178.07999,"confidence":0.9994642,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2663273811340332},{"word":"was","start":178.07999,"end":178.31999,"confidence":0.9972339,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2966337203979492},{"word":"outside","start":178.31999,"end":178.72,"confidence":0.9989644,"punctuated_word":"outside","sentiment":"negative","sentiment_score":-0.3657603263854981},{"word":"that","start":178.72,"end":178.87999,"confidence":0.82429016,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.3164745569229126},{"word":"and","start":178.87999,"end":179.04,"confidence":0.9997633,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3462384343147278},{"word":"it","start":179.04,"end":179.51999,"confidence":0.9418463,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.47384271025657654},{"word":"almost","start":179.51999,"end":179.84,"confidence":0.836667,"punctuated_word":"almost","sentiment":"negative","sentiment_score":-0.5106463432312012},{"word":"did","start":179.84,"end":180.07999,"confidence":0.9906166,"punctuated_word":"did","sentiment":"negative","sentiment_score":-0.4821418523788452},{"word":"worse","start":180.07999,"end":180.31999,"confidence":0.90530473,"punctuated_word":"worse","sentiment":"negative","sentiment_score":-0.5383684635162354},{"word":"than","start":180.31999,"end":180.48,"confidence":0.8603656,"punctuated_word":"than","sentiment":"negative","sentiment_score":-0.506129264831543},{"word":"the","start":180.48,"end":180.64,"confidence":0.9975514,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.49966636300086975},{"word":"indexes","start":180.64,"end":181.14,"confidence":0.9904398,"punctuated_word":"indexes","sentiment":"negative","sentiment_score":-0.48501867055892944},{"word":"over","start":181.43999,"end":181.68,"confidence":0.99919146,"punctuated_word":"over","sentiment":"negative","sentiment_score":-0.35889455676078796},{"word":"that","start":181.68,"end":181.84,"confidence":0.99964845,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3985339105129242},{"word":"period","start":181.84,"end":182.15999,"confidence":0.99985325,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.2893131971359253},{"word":"of","start":182.15999,"end":182.31999,"confidence":0.9993044,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3205714821815491},{"word":"time","start":182.31999,"end":182.745,"confidence":0.7744618,"punctuated_word":"time,","sentiment":"negative","sentiment_score":-0.3401598632335663},{"word":"if","start":184.745,"end":184.905,"confidence":0.9965919,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07076124846935272},{"word":"that","start":184.905,"end":185.065,"confidence":0.9999361,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.034399740397930145},{"word":"makes","start":185.065,"end":185.305,"confidence":0.9504919,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.06553053110837936},{"word":"sense","start":185.305,"end":185.805,"confidence":0.84188557,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.14559169113636017},{"word":"okay","start":188.025,"end":188.525,"confidence":0.98275304,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.049891892820596695},{"word":"so","start":188.905,"end":189.405,"confidence":0.9963044,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03606368601322174},{"word":"the","start":189.625,"end":189.86499,"confidence":0.99132955,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0342201367020607},{"word":"the","start":189.86499,"end":190.025,"confidence":0.9678967,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03128133714199066},{"word":"main","start":190.025,"end":190.185,"confidence":0.99929106,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.052057452499866486},{"word":"thing","start":190.185,"end":190.42499,"confidence":0.9997564,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.09754997491836548},{"word":"there","start":190.42499,"end":190.58499,"confidence":0.99906844,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05267728865146637},{"word":"is","start":190.58499,"end":190.745,"confidence":0.8039399,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.044596802443265915},{"word":"obviously","start":190.745,"end":191.14499,"confidence":0.99785817,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.021443184465169907},{"word":"you're","start":191.14499,"end":191.305,"confidence":0.76585436,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.028805647045373917},{"word":"just","start":191.305,"end":191.465,"confidence":0.99352044,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.013194233179092407},{"word":"you're","start":191.625,"end":191.86499,"confidence":0.99586177,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03000587597489357},{"word":"changing","start":191.86499,"end":192.185,"confidence":0.99976856,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.03525802493095398},{"word":"up","start":192.185,"end":192.345,"confidence":0.9988599,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.009425178170204164},{"word":"your","start":192.345,"end":192.58499,"confidence":0.9997762,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05836891382932663},{"word":"investments","start":192.58499,"end":193.065,"confidence":0.84425634,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":-0.02414030209183693},{"word":"you're","start":193.065,"end":193.385,"confidence":0.98490703,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.0744989737868309},{"word":"removing","start":193.385,"end":193.78499,"confidence":0.99856704,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":0.020172003656625748},{"word":"those","start":193.78499,"end":194.185,"confidence":0.9998679,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.10859526693820952},{"word":"active","start":194.185,"end":194.58499,"confidence":0.9998307,"punctuated_word":"active","sentiment":"neutral","sentiment_score":-0.17021530866622925},{"word":"management","start":194.58499,"end":194.985,"confidence":0.9997944,"punctuated_word":"management","sentiment":"neutral","sentiment_score":-0.2159189134836197},{"word":"risks","start":194.985,"end":195.14499,"confidence":0.75040364,"punctuated_word":"risks,","sentiment":"neutral","sentiment_score":-0.15629953145980835},{"word":"which","start":195.14499,"end":195.305,"confidence":0.99989545,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.022047191858291623},{"word":"means","start":195.305,"end":195.625,"confidence":0.999529,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.03340397775173187},{"word":"you","start":195.625,"end":195.78499,"confidence":0.99736845,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.023743867874145508},{"word":"don't","start":195.78499,"end":195.94499,"confidence":0.99997073,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.09694530069828032},{"word":"have","start":195.94499,"end":196.105,"confidence":0.9998609,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.051081568002700806},{"word":"anyone","start":196.105,"end":196.50499,"confidence":0.99878174,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":-0.15283028781414032},{"word":"that","start":196.50499,"end":196.8,"confidence":0.99852175,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11657112836837769},{"word":"is","start":196.96,"end":197.2,"confidence":0.9979633,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.14972950518131256},{"word":"managing","start":197.2,"end":197.52,"confidence":0.9996275,"punctuated_word":"managing","sentiment":"neutral","sentiment_score":-0.2454313039779663},{"word":"the","start":197.52,"end":197.68001,"confidence":0.90532064,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07699740678071976},{"word":"fund","start":197.68001,"end":197.92,"confidence":0.9899788,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.14282315969467163},{"word":"and","start":197.92,"end":198.08,"confidence":0.9755914,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03916105628013611},{"word":"picking","start":198.08,"end":198.32,"confidence":0.9997278,"punctuated_word":"picking","sentiment":"neutral","sentiment_score":-0.13548728823661804},{"word":"and","start":198.32,"end":198.48,"confidence":0.99772507,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.023693442344665527},{"word":"choosing","start":198.48,"end":198.8,"confidence":0.9997924,"punctuated_word":"choosing","sentiment":"neutral","sentiment_score":-0.1328830122947693},{"word":"the","start":198.8,"end":198.96,"confidence":0.9561313,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04513077437877655},{"word":"investments","start":198.96,"end":199.36,"confidence":0.79395175,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":-0.044913243502378464},{"word":"it","start":199.36,"end":199.6,"confidence":0.99544746,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.02727903425693512},{"word":"just","start":199.6,"end":199.76001,"confidence":0.9995396,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.023206643760204315},{"word":"means","start":199.76001,"end":200.0,"confidence":0.9996063,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.02651956677436829},{"word":"that","start":200.0,"end":200.5,"confidence":0.658993,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0240009818226099},{"word":"say","start":200.88,"end":201.12,"confidence":0.6988472,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.02074995264410973},{"word":"like","start":201.12,"end":201.36,"confidence":0.6597794,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02754252776503563},{"word":"the","start":201.36,"end":201.44,"confidence":0.8689085,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05067773908376694},{"word":"s","start":201.44,"end":201.6,"confidence":0.9015961,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.03940092399716377},{"word":"and","start":201.6,"end":201.68001,"confidence":0.9833862,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014053447172045708},{"word":"p","start":201.68001,"end":201.92,"confidence":0.9994049,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.032109081745147705},{"word":"500","start":201.92,"end":202.40001,"confidence":0.8688675,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":0.04620073735713959},{"word":"top","start":202.40001,"end":202.56,"confidence":0.9957034,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.06261780858039856},{"word":"500","start":202.56,"end":202.96,"confidence":0.9995531,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.09033203125},{"word":"companies","start":202.96,"end":203.36,"confidence":0.99593747,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.0803588330745697},{"word":"in","start":203.36,"end":203.52,"confidence":0.98871034,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05631312355399132},{"word":"america","start":203.52,"end":204.02,"confidence":0.95102274,"punctuated_word":"America,","sentiment":"neutral","sentiment_score":0.04946121945977211},{"word":"you","start":204.16,"end":204.32,"confidence":0.9995883,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05397926643490791},{"word":"hold","start":204.32,"end":204.56,"confidence":0.99802834,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.10289537906646729},{"word":"those","start":204.56,"end":204.8,"confidence":0.9981048,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.07303652167320251},{"word":"top","start":204.8,"end":204.96,"confidence":0.9978389,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.05433855578303337},{"word":"500","start":204.96,"end":205.36,"confidence":0.90575564,"punctuated_word":"500.","sentiment":"neutral","sentiment_score":0.05513283237814903},{"word":"and","start":205.36,"end":205.52,"confidence":0.99764293,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02735884301364422},{"word":"if","start":205.52,"end":205.6,"confidence":0.99965656,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02917583659291267},{"word":"a","start":205.6,"end":205.68001,"confidence":0.9870918,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03899846225976944},{"word":"company","start":205.68001,"end":206.0,"confidence":0.9999635,"punctuated_word":"company","sentiment":"neutral","sentiment_score":0.05138469859957695},{"word":"gets","start":206.0,"end":206.24,"confidence":0.99797803,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.04781242832541466},{"word":"big","start":206.24,"end":206.40001,"confidence":0.9977319,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.046161457896232605},{"word":"enough","start":206.40001,"end":206.64,"confidence":0.99847835,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.050023213028907776},{"word":"and","start":206.64,"end":206.72,"confidence":0.99580187,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.023887772113084793},{"word":"goes","start":206.72,"end":206.88,"confidence":0.99975485,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.04421791061758995},{"word":"into","start":206.88,"end":207.12,"confidence":0.9992902,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.046284522861242294},{"word":"that","start":207.12,"end":207.36,"confidence":0.9967906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06034919247031212},{"word":"comp","start":207.36,"end":207.6,"confidence":0.6875446,"punctuated_word":"comp","sentiment":"neutral","sentiment_score":0.05253907293081283},{"word":"top","start":207.68001,"end":208.0,"confidence":0.82252675,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.07713204622268677},{"word":"500","start":208.0,"end":208.48,"confidence":0.83401024,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":0.06305277347564697},{"word":"you'll","start":208.48,"end":208.72,"confidence":0.9983356,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.04817032068967819},{"word":"own","start":208.72,"end":208.88,"confidence":0.99921834,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.052127111703157425},{"word":"it","start":208.88,"end":209.28,"confidence":0.9860481,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.022844592109322548},{"word":"and","start":209.28,"end":209.44,"confidence":0.9995541,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.009973812848329544},{"word":"if","start":209.44,"end":209.68001,"confidence":0.99952567,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02328023687005043},{"word":"it","start":209.68001,"end":209.76001,"confidence":0.99857104,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.022384455427527428},{"word":"gets","start":209.76001,"end":210.16,"confidence":0.9993388,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.035582538694143295},{"word":"worse","start":210.16,"end":210.40001,"confidence":0.9935921,"punctuated_word":"worse","sentiment":"negative","sentiment_score":-0.36258357763290405},{"word":"and","start":210.40001,"end":210.56,"confidence":0.9916938,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.31895121932029724},{"word":"falls","start":210.56,"end":210.88,"confidence":0.99095297,"punctuated_word":"falls","sentiment":"negative","sentiment_score":-0.33778348565101624},{"word":"out","start":210.88,"end":211.04001,"confidence":0.98362064,"punctuated_word":"out,","sentiment":"negative","sentiment_score":-0.36089950799942017},{"word":"then","start":211.04001,"end":211.28,"confidence":0.9983209,"punctuated_word":"then","sentiment":"negative","sentiment_score":-0.3431077301502228},{"word":"it'll","start":211.28,"end":211.44,"confidence":0.9851945,"punctuated_word":"it'll","sentiment":"negative","sentiment_score":-0.4092593193054199},{"word":"drop","start":211.44,"end":211.68001,"confidence":0.9997135,"punctuated_word":"drop","sentiment":"negative","sentiment_score":-0.4408773183822632},{"word":"out","start":211.68001,"end":212.025,"confidence":0.9823215,"punctuated_word":"out.","sentiment":"negative","sentiment_score":-0.36220353841781616},{"word":"you're","start":212.025,"end":212.265,"confidence":0.99761295,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.26399093866348267},{"word":"not","start":212.265,"end":212.42499,"confidence":0.999845,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2878754436969757},{"word":"having","start":212.42499,"end":212.50499,"confidence":0.9998554,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.264145165681839},{"word":"a","start":212.50499,"end":212.665,"confidence":0.9995509,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3173956274986267},{"word":"manager","start":212.665,"end":213.14499,"confidence":0.9998319,"punctuated_word":"manager","sentiment":"negative","sentiment_score":-0.48857417702674866},{"word":"picking","start":213.14499,"end":213.385,"confidence":0.99815804,"punctuated_word":"picking","sentiment":"neutral","sentiment_score":-0.3084465563297272},{"word":"and","start":213.385,"end":213.545,"confidence":0.998645,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.31418201327323914},{"word":"choosing","start":213.545,"end":213.86499,"confidence":0.99985206,"punctuated_word":"choosing","sentiment":"negative","sentiment_score":-0.3477202355861664},{"word":"winners","start":213.86499,"end":214.36499,"confidence":0.75626963,"punctuated_word":"winners,","sentiment":"neutral","sentiment_score":-0.27451637387275696},{"word":"whereas","start":214.50499,"end":214.745,"confidence":0.75264204,"punctuated_word":"whereas,","sentiment":"neutral","sentiment_score":-0.2453620731830597},{"word":"like","start":214.745,"end":214.985,"confidence":0.9961692,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2945789098739624},{"word":"benelon","start":214.985,"end":215.305,"confidence":0.7052966,"punctuated_word":"Benelon","sentiment":"negative","sentiment_score":-0.34408318996429443},{"word":"was","start":215.305,"end":215.545,"confidence":0.99135613,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2972981929779053},{"word":"picking","start":215.545,"end":215.78499,"confidence":0.9996275,"punctuated_word":"picking","sentiment":"neutral","sentiment_score":-0.2796056568622589},{"word":"and","start":215.78499,"end":215.86499,"confidence":0.9985688,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.30889707803726196},{"word":"choosing","start":215.86499,"end":216.185,"confidence":0.7898731,"punctuated_word":"choosing,","sentiment":"neutral","sentiment_score":-0.2832753360271454},{"word":"and","start":216.185,"end":216.345,"confidence":0.9997774,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2677258849143982},{"word":"they","start":216.345,"end":216.50499,"confidence":0.96196556,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.3528916835784912},{"word":"picked","start":216.50499,"end":216.745,"confidence":0.96440804,"punctuated_word":"picked","sentiment":"negative","sentiment_score":-0.4367544949054718},{"word":"the","start":216.745,"end":216.905,"confidence":0.8571464,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3840884268283844},{"word":"wrong","start":216.905,"end":217.405,"confidence":0.9998964,"punctuated_word":"wrong","sentiment":"negative","sentiment_score":-0.4419645071029663},{"word":"wrong","start":217.545,"end":217.94499,"confidence":0.99369085,"punctuated_word":"wrong","sentiment":"negative","sentiment_score":-0.45723235607147217},{"word":"investment","start":217.94499,"end":218.44499,"confidence":0.9176619,"punctuated_word":"investment.","sentiment":"negative","sentiment_score":-0.4322607219219208},{"word":"and","start":218.745,"end":218.905,"confidence":0.9855472,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.19710278511047363},{"word":"then","start":218.905,"end":219.22499,"confidence":0.99945706,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1700534075498581},{"word":"with","start":219.22499,"end":219.385,"confidence":0.9712942,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2308063507080078},{"word":"that","start":219.385,"end":219.625,"confidence":0.99912256,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.23777519166469577},{"word":"announcement","start":219.625,"end":220.125,"confidence":0.76603305,"punctuated_word":"announcement,","sentiment":"neutral","sentiment_score":-0.290230929851532},{"word":"caused","start":220.265,"end":220.58499,"confidence":0.67814183,"punctuated_word":"caused","sentiment":"neutral","sentiment_score":-0.2765037417411804},{"word":"their","start":220.58499,"end":220.825,"confidence":0.97731245,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.3053324222564697},{"word":"fund","start":220.825,"end":221.06499,"confidence":0.9135518,"punctuated_word":"fund","sentiment":"negative","sentiment_score":-0.44739872217178345},{"word":"to","start":221.06499,"end":221.22499,"confidence":0.9990926,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2705458402633667},{"word":"take","start":221.22499,"end":221.385,"confidence":0.9995454,"punctuated_word":"take","sentiment":"negative","sentiment_score":-0.3358432650566101},{"word":"a","start":221.385,"end":221.465,"confidence":0.9994677,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.24306976795196533},{"word":"bit","start":221.465,"end":221.625,"confidence":0.99978775,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2485216110944748},{"word":"of","start":221.625,"end":221.70499,"confidence":0.9998481,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.25424298644065857},{"word":"a","start":221.70499,"end":221.78499,"confidence":0.9992873,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.30747121572494507},{"word":"dive","start":221.78499,"end":222.105,"confidence":0.8547101,"punctuated_word":"dive,","sentiment":"neutral","sentiment_score":-0.2935142517089844},{"word":"whereas","start":222.105,"end":222.42499,"confidence":0.9987997,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":-0.15656529366970062},{"word":"that","start":222.42499,"end":222.58499,"confidence":0.9902508,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17897935211658478},{"word":"doesn't","start":222.58499,"end":222.905,"confidence":0.9998925,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.14962051808834076},{"word":"typically","start":222.905,"end":223.385,"confidence":0.99957925,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":-0.16462577879428864},{"word":"occur","start":223.385,"end":223.545,"confidence":0.94347775,"punctuated_word":"occur","sentiment":"neutral","sentiment_score":-0.2063753604888916},{"word":"to","start":223.545,"end":223.70499,"confidence":0.9986487,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16202855110168457},{"word":"the","start":223.70499,"end":223.86499,"confidence":0.9988877,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1557205319404602},{"word":"extent","start":223.86499,"end":224.105,"confidence":0.9996056,"punctuated_word":"extent","sentiment":"neutral","sentiment_score":-0.12429200112819672},{"word":"that","start":224.105,"end":224.265,"confidence":0.9996704,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09470243006944656},{"word":"it","start":224.265,"end":224.42499,"confidence":0.9636545,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13291077315807345},{"word":"happened","start":224.42499,"end":224.665,"confidence":0.98658466,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.13377642631530762},{"word":"with","start":224.665,"end":224.825,"confidence":0.99382,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1367221474647522},{"word":"benelon","start":224.825,"end":225.305,"confidence":0.99826616,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":-0.1301071047782898},{"word":"in","start":225.305,"end":225.465,"confidence":0.9900573,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0991896390914917},{"word":"an","start":225.465,"end":225.625,"confidence":0.9986517,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.08388986438512802},{"word":"index","start":225.625,"end":226.025,"confidence":0.96209407,"punctuated_word":"index","sentiment":"neutral","sentiment_score":-0.12625470757484436},{"word":"fund","start":226.025,"end":226.185,"confidence":0.8672238,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.1032927632331848},{"word":"if","start":226.185,"end":226.345,"confidence":0.99627304,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0052039735019207},{"word":"that","start":226.345,"end":226.50499,"confidence":0.99984896,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.023441702127456665},{"word":"makes","start":226.50499,"end":226.745,"confidence":0.97164494,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.03357786685228348},{"word":"sense","start":226.745,"end":227.19,"confidence":0.8670708,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.06289353221654892},{"word":"perfect","start":228.95,"end":229.45,"confidence":0.98567814,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.44743168354034424},{"word":"so","start":229.83,"end":230.07,"confidence":0.70437825,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.31483930349349976},{"word":"the","start":230.07,"end":230.23,"confidence":0.998871,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3349989652633667},{"word":"advantages","start":230.23,"end":230.63,"confidence":0.7577617,"punctuated_word":"advantages","sentiment":"positive","sentiment_score":0.3697940409183502},{"word":"of","start":230.63,"end":230.71,"confidence":0.9962823,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5150362849235535},{"word":"that","start":230.71,"end":230.95,"confidence":0.99985135,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6071500778198242},{"word":"is","start":230.95,"end":231.19,"confidence":0.99936956,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5204527974128723},{"word":"it's","start":231.19,"end":231.43001,"confidence":0.95063114,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5970648527145386},{"word":"a","start":231.43001,"end":231.51001,"confidence":0.99975985,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.582065224647522},{"word":"lower","start":231.51001,"end":231.83,"confidence":0.99988353,"punctuated_word":"lower","sentiment":"positive","sentiment_score":0.5003432631492615},{"word":"investment","start":231.83,"end":232.31,"confidence":0.99975175,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.3648330271244049},{"word":"fee","start":232.31,"end":232.81,"confidence":0.9611912,"punctuated_word":"fee.","sentiment":"positive","sentiment_score":0.5496171116828918},{"word":"it's","start":232.87,"end":233.11,"confidence":0.9913045,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4408849477767944},{"word":"along","start":233.11,"end":233.27,"confidence":0.41498253,"punctuated_word":"along","sentiment":"positive","sentiment_score":0.4488598108291626},{"word":"with","start":233.27,"end":233.43001,"confidence":0.90595895,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5106900930404663},{"word":"the","start":233.43001,"end":233.51001,"confidence":0.98626536,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5134226083755493},{"word":"agreed","start":233.51001,"end":233.83,"confidence":0.99375653,"punctuated_word":"agreed","sentiment":"positive","sentiment_score":0.5934911370277405},{"word":"risk","start":233.83,"end":234.07,"confidence":0.99910706,"punctuated_word":"risk","sentiment":"positive","sentiment_score":0.4849132299423218},{"word":"profile","start":234.07,"end":234.39,"confidence":0.9996594,"punctuated_word":"profile","sentiment":"positive","sentiment_score":0.4861048758029938},{"word":"increasing","start":234.39,"end":234.79001,"confidence":0.5666506,"punctuated_word":"increasing","sentiment":"positive","sentiment_score":0.5438717603683472},{"word":"that","start":234.79001,"end":234.95,"confidence":0.83332765,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.512893795967102},{"word":"risk","start":234.95,"end":235.19,"confidence":0.948685,"punctuated_word":"risk.","sentiment":"positive","sentiment_score":0.5088015794754028},{"word":"you'd","start":235.19,"end":235.35,"confidence":0.7491628,"punctuated_word":"You'd","sentiment":"positive","sentiment_score":0.5200392603874207},{"word":"be","start":235.35,"end":235.43001,"confidence":0.9962036,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.490271657705307},{"word":"able","start":235.43001,"end":235.59,"confidence":0.88954616,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.5468012094497681},{"word":"to","start":235.59,"end":235.67,"confidence":0.9938856,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.51587975025177},{"word":"remain","start":235.67,"end":235.91,"confidence":0.9738091,"punctuated_word":"remain","sentiment":"positive","sentiment_score":0.5452480316162109},{"word":"a","start":235.91,"end":235.99,"confidence":0.92362165,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5005110502243042},{"word":"client","start":235.99,"end":236.31,"confidence":0.9986726,"punctuated_word":"client","sentiment":"positive","sentiment_score":0.5684124827384949},{"word":"at","start":236.31,"end":236.39,"confidence":0.664744,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5650961399078369},{"word":"ophi","start":236.39,"end":236.71,"confidence":0.42467457,"punctuated_word":"Ophi","sentiment":"positive","sentiment_score":0.541458010673523},{"word":"financial","start":236.71,"end":237.11,"confidence":0.79117274,"punctuated_word":"Financial,","sentiment":"positive","sentiment_score":0.5466828346252441},{"word":"and","start":237.11,"end":237.27,"confidence":0.9998592,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4304412603378296},{"word":"you'll","start":237.27,"end":237.51001,"confidence":0.93892205,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.5157342553138733},{"word":"eliminate","start":237.51001,"end":237.83,"confidence":0.9983531,"punctuated_word":"eliminate","sentiment":"positive","sentiment_score":0.407059907913208},{"word":"that","start":237.83,"end":237.99,"confidence":0.9996681,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33880066871643066},{"word":"manager","start":237.99,"end":238.47,"confidence":0.7851242,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":0.2678086757659912},{"word":"risk","start":238.47,"end":238.97,"confidence":0.99796987,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":0.2899884581565857},{"word":"disadvantages","start":239.03,"end":239.53,"confidence":0.9822914,"punctuated_word":"Disadvantages","sentiment":"neutral","sentiment_score":-0.2027510702610016},{"word":"is","start":239.83,"end":240.07,"confidence":0.9988588,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2610725164413452},{"word":"there's","start":240.07,"end":240.31,"confidence":0.9689802,"punctuated_word":"there's","sentiment":"negative","sentiment_score":-0.40173205733299255},{"word":"no","start":240.31,"end":240.55,"confidence":0.99962187,"punctuated_word":"no","sentiment":"negative","sentiment_score":-0.39581140875816345},{"word":"guarantee","start":240.55,"end":240.95,"confidence":0.99925095,"punctuated_word":"guarantee","sentiment":"negative","sentiment_score":-0.4344113171100617},{"word":"that","start":240.95,"end":241.11,"confidence":0.99743736,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.34775128960609436},{"word":"investments","start":241.11,"end":241.61,"confidence":0.8083112,"punctuated_word":"investments","sentiment":"negative","sentiment_score":-0.3785925805568695},{"word":"obviously","start":241.67,"end":242.07,"confidence":0.9133698,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.32051751017570496},{"word":"perform","start":242.07,"end":242.57,"confidence":0.9741241,"punctuated_word":"perform","sentiment":"negative","sentiment_score":-0.3776823878288269},{"word":"as","start":242.835,"end":242.995,"confidence":0.99976724,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.3919431269168854},{"word":"recommended","start":242.995,"end":243.495,"confidence":0.99706006,"punctuated_word":"recommended.","sentiment":"negative","sentiment_score":-0.38002192974090576},{"word":"that's","start":243.55501,"end":243.795,"confidence":0.9997978,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.2473881095647812},{"word":"the","start":243.795,"end":243.875,"confidence":0.99919444,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22630295157432556},{"word":"one","start":243.875,"end":244.115,"confidence":0.99967706,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.2437783479690552},{"word":"thing","start":244.115,"end":244.275,"confidence":0.99961436,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.21813634037971497},{"word":"that's","start":244.275,"end":244.775,"confidence":0.991843,"punctuated_word":"that's,","sentiment":"neutral","sentiment_score":-0.2130521982908249},{"word":"you","start":244.835,"end":244.995,"confidence":0.9997991,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.24841909110546112},{"word":"know","start":244.995,"end":245.155,"confidence":0.9996824,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.2742939591407776},{"word":"poor","start":245.155,"end":245.475,"confidence":0.98598194,"punctuated_word":"poor","sentiment":"negative","sentiment_score":-0.35112693905830383},{"word":"about","start":245.475,"end":245.955,"confidence":0.99864477,"punctuated_word":"about","sentiment":"negative","sentiment_score":-0.367542028427124},{"word":"investments","start":245.955,"end":246.355,"confidence":0.995576,"punctuated_word":"investments","sentiment":"negative","sentiment_score":-0.3723085224628449},{"word":"in","start":246.355,"end":246.515,"confidence":0.9995974,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3619009554386139},{"word":"the","start":246.515,"end":246.595,"confidence":0.9997826,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.36674124002456665},{"word":"market","start":246.595,"end":246.91501,"confidence":0.99992204,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.3922841548919678},{"word":"is","start":246.91501,"end":247.155,"confidence":0.9130131,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.36014556884765625},{"word":"that","start":247.155,"end":247.395,"confidence":0.9998222,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.31748437881469727},{"word":"you're","start":247.395,"end":247.475,"confidence":0.9995203,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.4089860320091248},{"word":"not","start":247.475,"end":247.715,"confidence":0.9999262,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.37978804111480713},{"word":"guaranteed","start":247.715,"end":248.215,"confidence":0.9994259,"punctuated_word":"guaranteed","sentiment":"negative","sentiment_score":-0.37564024329185486},{"word":"to","start":248.275,"end":248.355,"confidence":0.999801,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4081702828407288},{"word":"get","start":248.355,"end":248.595,"confidence":0.9996877,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.4069198966026306},{"word":"the","start":248.595,"end":248.755,"confidence":0.9995365,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4313921630382538},{"word":"returns","start":248.755,"end":249.255,"confidence":0.9972664,"punctuated_word":"returns","sentiment":"negative","sentiment_score":-0.5079659819602966},{"word":"of","start":249.55501,"end":249.795,"confidence":0.9976756,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4226588308811188},{"word":"those","start":249.795,"end":250.035,"confidence":0.9997867,"punctuated_word":"those","sentiment":"negative","sentiment_score":-0.4324946403503418},{"word":"funds","start":250.035,"end":250.515,"confidence":0.9861076,"punctuated_word":"funds.","sentiment":"negative","sentiment_score":-0.3836984932422638},{"word":"it's","start":250.515,"end":250.595,"confidence":0.7354589,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.22472909092903137},{"word":"the","start":250.595,"end":250.755,"confidence":0.98313373,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20743614435195923},{"word":"one","start":250.755,"end":250.835,"confidence":0.99921477,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.17231561243534088},{"word":"thing","start":250.835,"end":251.075,"confidence":0.9995572,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.184017151594162},{"word":"that","start":251.075,"end":251.235,"confidence":0.99987197,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15255539119243622},{"word":"isn't","start":251.235,"end":251.55501,"confidence":0.999696,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.1710345447063446},{"word":"guaranteed","start":251.55501,"end":252.05501,"confidence":0.99965656,"punctuated_word":"guaranteed","sentiment":"neutral","sentiment_score":-0.14636018872261047},{"word":"because","start":252.195,"end":252.515,"confidence":0.7584143,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1805891990661621},{"word":"past","start":252.515,"end":252.675,"confidence":0.9820549,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.23631411790847776},{"word":"performance","start":252.675,"end":253.075,"confidence":0.946049,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":-0.232425794005394},{"word":"is","start":253.075,"end":253.155,"confidence":0.7177881,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.21243566274642944},{"word":"an","start":253.155,"end":253.315,"confidence":0.82032573,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.22618135809898376},{"word":"indicative","start":253.315,"end":253.715,"confidence":0.8885309,"punctuated_word":"indicative","sentiment":"neutral","sentiment_score":-0.23337920010089871},{"word":"of","start":253.715,"end":253.795,"confidence":0.9243358,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20442184805870056},{"word":"future","start":253.795,"end":254.035,"confidence":0.98742723,"punctuated_word":"future","sentiment":"neutral","sentiment_score":-0.18783038854599},{"word":"performance","start":254.035,"end":254.515,"confidence":0.76673675,"punctuated_word":"performance,","sentiment":"neutral","sentiment_score":-0.18380625545978543},{"word":"but","start":254.515,"end":254.755,"confidence":0.99842536,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.12090609967708588},{"word":"hopefully","start":254.755,"end":255.155,"confidence":0.5516869,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":0.026415154337882996},{"word":"being","start":255.155,"end":255.395,"confidence":0.5745575,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.16009452939033508},{"word":"those","start":255.395,"end":255.55501,"confidence":0.8046744,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1077679991722107},{"word":"index","start":255.55501,"end":255.875,"confidence":0.98874307,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.12258106470108032},{"word":"funds","start":255.875,"end":256.115,"confidence":0.72979605,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.19908839464187625},{"word":"it","start":256.115,"end":256.275,"confidence":0.96476716,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2854146957397461},{"word":"sets","start":256.275,"end":256.515,"confidence":0.9128999,"punctuated_word":"sets","sentiment":"neutral","sentiment_score":0.30234700441360474},{"word":"you","start":256.515,"end":256.595,"confidence":0.92846966,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21185117959976196},{"word":"up","start":256.595,"end":256.675,"confidence":0.99486536,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.29551297426223755},{"word":"a","start":256.675,"end":256.835,"confidence":0.8756691,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2171592116355896},{"word":"nice","start":256.835,"end":257.075,"confidence":0.9996087,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.27923548221588135},{"word":"long","start":257.075,"end":257.315,"confidence":0.9134193,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.12285833060741425},{"word":"term","start":257.315,"end":257.555,"confidence":0.9959656,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.20568010210990903},{"word":"sustained","start":257.555,"end":257.955,"confidence":0.7421173,"punctuated_word":"sustained","sentiment":"neutral","sentiment_score":0.1644500195980072},{"word":"growth","start":257.955,"end":258.45,"confidence":0.9951339,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.0510224774479866},{"word":"and","start":259.49002,"end":259.73,"confidence":0.9985892,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06928206235170364},{"word":"then","start":259.73,"end":260.13,"confidence":0.99954444,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1634240448474884},{"word":"with","start":260.13,"end":260.29,"confidence":0.9852276,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19296100735664368},{"word":"that","start":260.29,"end":260.61002,"confidence":0.9908104,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.22907325625419617},{"word":"you","start":260.61002,"end":260.77002,"confidence":0.99979895,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27116379141807556},{"word":"will","start":260.77002,"end":261.01,"confidence":0.99968493,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.21706505119800568},{"word":"pay","start":261.01,"end":261.17,"confidence":0.9988931,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.18903398513793945},{"word":"some","start":261.17,"end":261.41,"confidence":0.99645257,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.14784768223762512},{"word":"brokerage","start":261.41,"end":261.73,"confidence":0.9952348,"punctuated_word":"brokerage","sentiment":"neutral","sentiment_score":0.07334612309932709},{"word":"costs","start":261.73,"end":261.97,"confidence":0.74247277,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":0.21057981252670288},{"word":"and","start":261.97,"end":262.13,"confidence":0.67924285,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13588759303092957},{"word":"that","start":262.13,"end":262.29,"confidence":0.99199957,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14609675109386444},{"word":"cgt","start":262.29,"end":262.79,"confidence":0.9626288,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.08581115305423737},{"word":"liability","start":262.85,"end":263.25,"confidence":0.7949408,"punctuated_word":"liability,","sentiment":"neutral","sentiment_score":0.10739800333976746},{"word":"but","start":263.25,"end":263.41,"confidence":0.9992411,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1196986585855484},{"word":"hopefully","start":263.41,"end":263.73,"confidence":0.74706256,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":0.18588432669639587},{"word":"over","start":263.73,"end":263.89,"confidence":0.28386122,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.25863876938819885},{"word":"the","start":263.89,"end":263.97,"confidence":0.9787638,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19515973329544067},{"word":"long","start":263.97,"end":264.21002,"confidence":0.9992254,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.285004198551178},{"word":"term","start":264.21002,"end":264.71002,"confidence":0.99837214,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.409062534570694},{"word":"paying","start":264.77002,"end":265.17,"confidence":0.54605407,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.1846027821302414},{"word":"less","start":265.17,"end":265.41,"confidence":0.9979699,"punctuated_word":"less","sentiment":"positive","sentiment_score":0.33720019459724426},{"word":"investment","start":265.41,"end":265.89,"confidence":0.99958676,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.08345508575439453},{"word":"costs","start":265.89,"end":266.21002,"confidence":0.87823004,"punctuated_word":"costs,","sentiment":"neutral","sentiment_score":0.28675973415374756},{"word":"it","start":266.21002,"end":266.45,"confidence":0.9991135,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4355545043945313},{"word":"just","start":266.45,"end":266.61002,"confidence":0.9989924,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4068193435668946},{"word":"puts","start":266.61002,"end":266.77002,"confidence":0.99697125,"punctuated_word":"puts","sentiment":"positive","sentiment_score":0.422213613986969},{"word":"you","start":266.77002,"end":266.85,"confidence":0.99601597,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4733818173408508},{"word":"in","start":266.85,"end":267.01,"confidence":0.99914694,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5197499394416809},{"word":"a","start":267.01,"end":267.09003,"confidence":0.99926513,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4080495238304138},{"word":"better","start":267.09003,"end":267.33002,"confidence":0.9999254,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.26771169900894165},{"word":"position","start":267.33002,"end":267.65002,"confidence":0.99991,"punctuated_word":"position","sentiment":"positive","sentiment_score":0.5590563416481018},{"word":"and","start":267.65002,"end":267.81,"confidence":0.5640733,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3086102604866028},{"word":"it","start":267.81,"end":267.89,"confidence":0.99275255,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3645647168159485},{"word":"has","start":267.89,"end":268.13,"confidence":0.9998629,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.25734448432922363},{"word":"a","start":268.13,"end":268.21002,"confidence":0.9981325,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25171422958374023},{"word":"little","start":268.21002,"end":268.37003,"confidence":0.995439,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.26088640093803406},{"word":"less","start":268.37003,"end":268.61002,"confidence":0.9997931,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.1893569529056549},{"word":"volatility","start":268.61002,"end":269.11002,"confidence":0.99919575,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":0.21015554666519165},{"word":"while","start":269.17,"end":269.41,"confidence":0.9981864,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.12275277078151704},{"word":"increasing","start":269.41,"end":269.81,"confidence":0.9997608,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.1585237681865692},{"word":"your","start":269.81,"end":270.05002,"confidence":0.9980393,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05964583158493042},{"word":"exposure","start":270.05002,"end":270.53,"confidence":0.9997004,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.13235405087471008},{"word":"to","start":270.53,"end":270.61002,"confidence":0.99971396,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19790151715278623},{"word":"those","start":270.61002,"end":270.85,"confidence":0.9995943,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.12976956367492676},{"word":"growth","start":270.85,"end":271.17,"confidence":0.99737453,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1576986163854599},{"word":"assets","start":271.17,"end":271.67,"confidence":0.9984255,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.21318480372428897},{"word":"yep","start":274.055,"end":274.555,"confidence":0.99151003,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1314148306846619},{"word":"perfect","start":274.775,"end":275.275,"confidence":0.7185372,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2262696921825409},{"word":"now","start":275.73502,"end":276.135,"confidence":0.9153165,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0642300695180893},{"word":"the","start":276.135,"end":276.295,"confidence":0.9764524,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02793269604444504},{"word":"short","start":276.295,"end":276.535,"confidence":0.99930406,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.035031288862228394},{"word":"term","start":276.535,"end":276.775,"confidence":0.9993563,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.00009073317050933838},{"word":"risk","start":276.775,"end":277.015,"confidence":0.96052194,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.03964797407388687},{"word":"there","start":277.015,"end":277.255,"confidence":0.9936724,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.03318258374929428},{"word":"is","start":277.255,"end":277.415,"confidence":0.99942905,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06355423480272293},{"word":"when","start":277.415,"end":277.575,"confidence":0.99662507,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.03507547080516815},{"word":"changing","start":277.575,"end":277.975,"confidence":0.9803873,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":-0.03046572208404541},{"word":"up","start":277.975,"end":278.135,"confidence":0.99441904,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.04152420908212662},{"word":"those","start":278.135,"end":278.295,"confidence":0.99959415,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.03762274235486984},{"word":"investments","start":278.295,"end":278.775,"confidence":0.99900454,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.046017274260520935},{"word":"with","start":278.775,"end":279.015,"confidence":0.7644671,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.027029618620872498},{"word":"the","start":279.015,"end":279.515,"confidence":0.22380692,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02152027189731598},{"word":"markets","start":279.655,"end":279.975,"confidence":0.5131359,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.04535962641239166},{"word":"are","start":279.975,"end":280.055,"confidence":0.83558345,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0389154776930809},{"word":"currently","start":280.055,"end":280.375,"confidence":0.99964833,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.050677187740802765},{"word":"with","start":280.375,"end":280.535,"confidence":0.99807453,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.06168411672115326},{"word":"the","start":280.535,"end":280.695,"confidence":0.9848798,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07483653724193573},{"word":"war","start":280.695,"end":281.015,"confidence":0.7960509,"punctuated_word":"war,","sentiment":"neutral","sentiment_score":-0.08415385335683823},{"word":"you","start":281.015,"end":281.175,"confidence":0.999413,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11102952063083649},{"word":"may","start":281.175,"end":281.335,"confidence":0.9997681,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.09771499037742616},{"word":"miss","start":281.335,"end":281.575,"confidence":0.99867034,"punctuated_word":"miss","sentiment":"neutral","sentiment_score":-0.1340947300195694},{"word":"out","start":281.575,"end":281.73502,"confidence":0.9960226,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.099245086312294},{"word":"on","start":281.73502,"end":281.895,"confidence":0.99403495,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0479108989238739},{"word":"some","start":281.895,"end":281.975,"confidence":0.92404133,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.06075640767812729},{"word":"potential","start":281.975,"end":282.475,"confidence":0.99955446,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":0.023943379521369938},{"word":"gains","start":282.935,"end":283.255,"confidence":0.9923613,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.06883565336465836},{"word":"if","start":283.255,"end":283.335,"confidence":0.53620654,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07898978888988495},{"word":"the","start":283.335,"end":283.495,"confidence":0.9996056,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0008370876312255859},{"word":"market","start":283.495,"end":283.815,"confidence":0.99980885,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.04043084383010864},{"word":"was","start":283.815,"end":284.055,"confidence":0.9429783,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.03870374709367752},{"word":"to","start":284.055,"end":284.135,"confidence":0.86621565,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02255628257989883},{"word":"take","start":284.135,"end":284.295,"confidence":0.99953926,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.0019501745700836184},{"word":"a","start":284.295,"end":284.375,"confidence":0.99881065,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0546492375433445},{"word":"bit","start":284.375,"end":284.45502,"confidence":0.99951947,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.055005401372909546},{"word":"of","start":284.45502,"end":284.615,"confidence":0.9990121,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0420248880982399},{"word":"a","start":284.615,"end":284.695,"confidence":0.9949003,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06648363173007965},{"word":"die","start":284.695,"end":285.015,"confidence":0.48838225,"punctuated_word":"die","sentiment":"neutral","sentiment_score":-0.05317343026399613},{"word":"or","start":285.015,"end":285.45,"confidence":0.61092937,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09656556695699692},{"word":"jump","start":285.53,"end":285.85,"confidence":0.98626673,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":-0.022267714142799377},{"word":"while","start":285.85,"end":285.93002,"confidence":0.9935482,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.06130523979663849},{"word":"you're","start":285.93002,"end":286.25,"confidence":0.9352633,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.05597259849309921},{"word":"sort","start":286.25,"end":286.41,"confidence":0.9678544,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.06138383597135544},{"word":"of","start":286.41,"end":286.57,"confidence":0.9640737,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06033145636320114},{"word":"in","start":286.57,"end":286.81,"confidence":0.99772507,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02703888714313507},{"word":"in","start":286.81,"end":286.97,"confidence":0.8363534,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05467580258846283},{"word":"cash","start":286.97,"end":287.13,"confidence":0.9688673,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":-0.031865302473306656},{"word":"if","start":287.13,"end":287.29,"confidence":0.88608134,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02734949439764023},{"word":"it","start":287.29,"end":287.37003,"confidence":0.9922465,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02294587343931198},{"word":"takes","start":287.37003,"end":287.53,"confidence":0.99941397,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":-0.025851674377918243},{"word":"a","start":287.53,"end":287.61002,"confidence":0.99888164,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03620828315615654},{"word":"bit","start":287.61002,"end":287.77002,"confidence":0.99966526,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.018340714275836945},{"word":"of","start":287.77002,"end":287.85,"confidence":0.999062,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.035676419734954834},{"word":"a","start":287.85,"end":287.93002,"confidence":0.99722314,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.050870630890131},{"word":"dive","start":287.93002,"end":288.17,"confidence":0.99872595,"punctuated_word":"dive","sentiment":"neutral","sentiment_score":-0.008627712726593018},{"word":"in","start":288.17,"end":288.25,"confidence":0.9995307,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.005528301000595093},{"word":"that","start":288.25,"end":288.41,"confidence":0.9997397,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.022674888372421265},{"word":"period","start":288.41,"end":288.65002,"confidence":0.9892398,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.020407624542713165},{"word":"you","start":288.65002,"end":288.73,"confidence":0.9972248,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02001312375068665},{"word":"get","start":288.73,"end":288.89,"confidence":0.9476893,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05284343659877777},{"word":"it","start":288.89,"end":288.97,"confidence":0.99696857,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03285013139247894},{"word":"for","start":288.97,"end":289.13,"confidence":0.9996388,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.030293837189674377},{"word":"a","start":289.13,"end":289.21002,"confidence":0.9992305,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0271441750228405},{"word":"little","start":289.21002,"end":289.29,"confidence":0.9996511,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.007815994322299957},{"word":"bit","start":289.29,"end":289.53,"confidence":0.9997422,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.021254055202007297},{"word":"less","start":289.53,"end":289.69,"confidence":0.98022336,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":-0.03851228207349777},{"word":"that's","start":289.69,"end":289.85,"confidence":0.99939954,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.08346329629421234},{"word":"just","start":289.85,"end":290.01,"confidence":0.99906033,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07492335140705109},{"word":"something","start":290.01,"end":290.25,"confidence":0.9995603,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.092359758913517},{"word":"to","start":290.25,"end":290.33002,"confidence":0.99949634,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06548328697681427},{"word":"be","start":290.33002,"end":290.49002,"confidence":0.9960522,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08235886693000793},{"word":"mindful","start":290.49002,"end":290.81,"confidence":0.9996362,"punctuated_word":"mindful","sentiment":"neutral","sentiment_score":-0.10555079579353333},{"word":"of","start":290.81,"end":290.97,"confidence":0.87166893,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":-0.08419239521026611},{"word":"but","start":290.97,"end":291.13,"confidence":0.9988356,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.058591488748788834},{"word":"given","start":291.13,"end":291.37003,"confidence":0.95795697,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.0579037107527256},{"word":"your","start":291.37003,"end":291.61002,"confidence":0.9992623,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04544126242399216},{"word":"age","start":291.61002,"end":292.11002,"confidence":0.99954545,"punctuated_word":"age,","sentiment":"neutral","sentiment_score":-0.04672902077436447},{"word":"you","start":292.57,"end":292.73,"confidence":0.9981976,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0572487935423851},{"word":"do","start":292.73,"end":292.89,"confidence":0.99514765,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.031027913093566895},{"word":"have","start":292.89,"end":292.97,"confidence":0.9992912,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03964688256382942},{"word":"plenty","start":292.97,"end":293.29,"confidence":0.99972934,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":-0.0503850132226944},{"word":"of","start":293.29,"end":293.37003,"confidence":0.99653924,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0374181792140007},{"word":"time","start":293.37003,"end":293.61002,"confidence":0.9994037,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.026615537703037265},{"word":"to","start":293.61002,"end":293.69,"confidence":0.99903023,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.020153537392616272},{"word":"recover","start":293.69,"end":294.19,"confidence":0.99960667,"punctuated_word":"recover","sentiment":"neutral","sentiment_score":-0.021212920546531677},{"word":"even","start":294.41,"end":294.65002,"confidence":0.8031785,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.04795632883906365},{"word":"if","start":294.65002,"end":294.73,"confidence":0.9998803,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05082891136407852},{"word":"it","start":294.73,"end":294.81,"confidence":0.9987858,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08011592924594879},{"word":"is","start":294.81,"end":294.97,"confidence":0.99958664,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04521884024143219},{"word":"a","start":294.97,"end":295.13,"confidence":0.9992292,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04351937398314476},{"word":"few","start":295.13,"end":295.29,"confidence":0.9844865,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.02597212046384811},{"word":"percent","start":295.29,"end":295.79,"confidence":0.9994381,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.0026176348328590393},{"word":"bump","start":295.93002,"end":296.43002,"confidence":0.91808903,"punctuated_word":"bump","sentiment":"neutral","sentiment_score":0.023192286491394043},{"word":"while","start":296.65002,"end":296.89,"confidence":0.9856712,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.04339558631181717},{"word":"you're","start":296.89,"end":297.13,"confidence":0.9988801,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.022025136277079586},{"word":"sitting","start":297.13,"end":297.45,"confidence":0.9882924,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.015621937811374664},{"word":"in","start":297.45,"end":297.61002,"confidence":0.83726984,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.007565975189208984},{"word":"cash","start":297.61002,"end":297.93002,"confidence":0.98153585,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.0090625062584877},{"word":"there","start":297.93002,"end":298.17,"confidence":0.9363588,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.027054257690906525},{"word":"to","start":298.17,"end":298.25,"confidence":0.99634004,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01673257350921631},{"word":"buy","start":298.25,"end":298.49002,"confidence":0.9980564,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.00993715226650238},{"word":"back","start":298.49002,"end":298.73,"confidence":0.82603157,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.00919942557811737},{"word":"in","start":298.73,"end":299.23,"confidence":0.98947644,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.01971088908612728},{"word":"that's","start":299.69,"end":299.93002,"confidence":0.96182233,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.05467381328344345},{"word":"just","start":299.93002,"end":300.17,"confidence":0.98878235,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.055005479604005814},{"word":"something","start":300.17,"end":300.41,"confidence":0.9996705,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.05421674996614456},{"word":"to","start":300.41,"end":300.49002,"confidence":0.9995204,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.058442242443561554},{"word":"be","start":300.49002,"end":300.57,"confidence":0.999863,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07002387940883636},{"word":"aware","start":300.57,"end":300.81,"confidence":0.99990666,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":-0.06362175196409225},{"word":"of","start":300.81,"end":301.31,"confidence":0.9950366,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":-0.045037392526865005},{"word":"and","start":301.585,"end":301.82498,"confidence":0.99967,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.010642621666193008},{"word":"then","start":301.82498,"end":302.145,"confidence":0.99971277,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0052941665053367615},{"word":"with","start":302.145,"end":302.38498,"confidence":0.9896772,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.056510962545871735},{"word":"the","start":302.38498,"end":302.625,"confidence":0.9924426,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04618043825030327},{"word":"alternatives","start":302.625,"end":303.025,"confidence":0.9897628,"punctuated_word":"alternatives,","sentiment":"neutral","sentiment_score":-0.04074598103761673},{"word":"we","start":303.025,"end":303.185,"confidence":0.99986637,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.023036256432533264},{"word":"did","start":303.185,"end":303.425,"confidence":0.999529,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.015838366001844406},{"word":"look","start":303.425,"end":303.66498,"confidence":0.9997217,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.010948210954666138},{"word":"at","start":303.66498,"end":303.905,"confidence":0.9997118,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.014512598514556885},{"word":"sort","start":303.905,"end":304.145,"confidence":0.98116416,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.011712495237588882},{"word":"of","start":304.145,"end":304.38498,"confidence":0.99968076,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0006075352430343628},{"word":"alternative","start":304.38498,"end":304.865,"confidence":0.9987613,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":-0.015859641134738922},{"word":"funds","start":304.865,"end":305.185,"confidence":0.9444546,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":-0.010232429951429369},{"word":"maintaining","start":305.185,"end":305.66498,"confidence":0.8862487,"punctuated_word":"maintaining","sentiment":"neutral","sentiment_score":-0.021426036953926086},{"word":"active","start":305.66498,"end":305.985,"confidence":0.99436873,"punctuated_word":"active","sentiment":"neutral","sentiment_score":-0.022873111069202423},{"word":"investment","start":305.985,"end":306.465,"confidence":0.8657374,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":-0.017869982868433},{"word":"but","start":306.465,"end":306.705,"confidence":0.9910382,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.037471454590559006},{"word":"due","start":306.705,"end":306.94498,"confidence":0.97177064,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.1107575297355652},{"word":"to","start":306.94498,"end":307.10498,"confidence":0.9856991,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0929020419716835},{"word":"the","start":307.10498,"end":307.60498,"confidence":0.99878174,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09749553352594376},{"word":"the","start":307.905,"end":308.065,"confidence":0.9240101,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11970949918031693},{"word":"high","start":308.065,"end":308.22498,"confidence":0.99193853,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.1807328760623932},{"word":"cost","start":308.22498,"end":308.54498,"confidence":0.9939786,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.15075403451919556},{"word":"of","start":308.54498,"end":308.705,"confidence":0.9996599,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1812024712562561},{"word":"active","start":308.705,"end":309.205,"confidence":0.9998061,"punctuated_word":"active","sentiment":"neutral","sentiment_score":-0.23565927147865295},{"word":"management","start":309.26498,"end":309.76498,"confidence":0.99978226,"punctuated_word":"management","sentiment":"neutral","sentiment_score":-0.22847673296928409},{"word":"and","start":310.065,"end":310.22498,"confidence":0.7066752,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1318475604057312},{"word":"then","start":310.22498,"end":310.465,"confidence":0.97350186,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.08336757123470306},{"word":"the","start":310.465,"end":310.94498,"confidence":0.9024488,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13403603434562683},{"word":"lower","start":310.94498,"end":311.425,"confidence":0.9880205,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.11675088107585908},{"word":"historical","start":311.425,"end":311.925,"confidence":0.99960285,"punctuated_word":"historical","sentiment":"neutral","sentiment_score":-0.21060995757579803},{"word":"investment","start":312.065,"end":312.465,"confidence":0.99950016,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.1832551509141922},{"word":"returns","start":312.465,"end":312.865,"confidence":0.9992168,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":-0.1920329183340073},{"word":"at","start":312.865,"end":313.025,"confidence":0.9990658,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.16854900121688843},{"word":"the","start":313.025,"end":313.10498,"confidence":0.9998462,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13302215933799744},{"word":"moment","start":313.10498,"end":313.425,"confidence":0.9999683,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.14837533235549927},{"word":"and","start":313.425,"end":313.66498,"confidence":0.80374134,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1211729347705841},{"word":"then","start":313.66498,"end":313.905,"confidence":0.99922717,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.07085736095905304},{"word":"high","start":313.905,"end":314.145,"confidence":0.6764426,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.17951864004135132},{"word":"capital","start":314.145,"end":314.54498,"confidence":0.9975592,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.26722171902656555},{"word":"gains","start":314.54498,"end":314.78497,"confidence":0.99253935,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.14432445168495178},{"word":"implications","start":314.78497,"end":315.28497,"confidence":0.92025995,"punctuated_word":"implications,","sentiment":"neutral","sentiment_score":-0.13287729024887085},{"word":"we","start":315.345,"end":315.50497,"confidence":0.99925727,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1339697241783142},{"word":"discontinued","start":315.50497,"end":316.00497,"confidence":0.8801564,"punctuated_word":"discontinued","sentiment":"neutral","sentiment_score":-0.09678952395915984},{"word":"that","start":316.145,"end":316.53,"confidence":0.92141104,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.1419619768857956},{"word":"and","start":316.69,"end":316.93,"confidence":0.99941695,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.01280025765299797},{"word":"then","start":316.93,"end":317.01,"confidence":0.9995846,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.006334904581308365},{"word":"also","start":317.01,"end":317.41,"confidence":0.9331935,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.008817985653877258},{"word":"looking","start":317.41,"end":317.73,"confidence":0.9573966,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.00012317299842834473},{"word":"at","start":317.73,"end":317.88998,"confidence":0.9992798,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01011972874403},{"word":"changing","start":317.88998,"end":318.29,"confidence":0.9996413,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.03530169278383255},{"word":"funds","start":318.29,"end":318.61,"confidence":0.9989114,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.0011874809861183169},{"word":"potentially","start":318.61,"end":319.09,"confidence":0.98534214,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.01882423460483551},{"word":"to","start":319.09,"end":319.17,"confidence":0.9990908,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011573180556297302},{"word":"achieve","start":319.17,"end":319.49,"confidence":0.61585736,"punctuated_word":"achieve","sentiment":"neutral","sentiment_score":0.06832721829414368},{"word":"a","start":319.49,"end":319.65,"confidence":0.8512533,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05838683247566223},{"word":"platform","start":319.65,"end":320.15,"confidence":0.7697216,"punctuated_word":"platform,","sentiment":"neutral","sentiment_score":0.043097637593746185},{"word":"it","start":320.53,"end":320.69,"confidence":0.9867818,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06391071528196335},{"word":"just","start":320.69,"end":320.85,"confidence":0.9962978,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09057264775037766},{"word":"worked","start":320.85,"end":321.09,"confidence":0.99834275,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":0.0685630664229393},{"word":"out","start":321.09,"end":321.25,"confidence":0.9992235,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.05718623101711273},{"word":"with","start":321.25,"end":321.41,"confidence":0.99113315,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.025972552597522736},{"word":"the","start":321.41,"end":321.49,"confidence":0.9988871,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027144819498062137},{"word":"capital","start":321.49,"end":321.81,"confidence":0.9988599,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.04220498353242874},{"word":"gains","start":321.81,"end":322.13,"confidence":0.9976705,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.005831003189086914},{"word":"liability","start":322.13,"end":322.53,"confidence":0.9992841,"punctuated_word":"liability","sentiment":"neutral","sentiment_score":0.02600355818867683},{"word":"you","start":322.53,"end":322.61,"confidence":0.99234843,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07305324077606201},{"word":"have","start":322.61,"end":322.77,"confidence":0.9998343,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05362102389335632},{"word":"there","start":322.77,"end":323.01,"confidence":0.97157097,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.02145977318286896},{"word":"it's","start":323.01,"end":323.09,"confidence":0.9972558,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.017157038673758507},{"word":"just","start":323.09,"end":323.33,"confidence":0.9996761,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.019198432564735413},{"word":"better","start":323.33,"end":323.49,"confidence":0.9971673,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.03508904576301575},{"word":"off","start":323.49,"end":323.73,"confidence":0.9822971,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.04780106246471405},{"word":"staying","start":323.73,"end":323.97,"confidence":0.80520856,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":0.09423959255218506},{"word":"with","start":323.97,"end":324.13,"confidence":0.99890745,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06614011526107788},{"word":"hub","start":324.13,"end":324.45,"confidence":0.69341797,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.18663650751113892},{"word":"with","start":324.53,"end":324.69,"confidence":0.9962931,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21637463569641113},{"word":"the","start":324.69,"end":324.85,"confidence":0.9986413,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2283228188753128},{"word":"benefits","start":324.85,"end":325.25,"confidence":0.99019593,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":0.1805008351802826},{"word":"you","start":325.25,"end":325.41,"confidence":0.99761546,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28645241260528564},{"word":"do","start":325.41,"end":325.57,"confidence":0.9970372,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.24470975995063785},{"word":"get","start":325.57,"end":325.81,"confidence":0.99799806,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.21174761652946472},{"word":"there","start":325.81,"end":326.13,"confidence":0.90931875,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1842709928750992},{"word":"if","start":326.13,"end":326.29,"confidence":0.96252817,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2225527465343475},{"word":"that","start":326.29,"end":326.45,"confidence":0.9998647,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20062048733234408},{"word":"makes","start":326.45,"end":326.69,"confidence":0.94010705,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.14038830995559692},{"word":"sense","start":326.69,"end":327.19,"confidence":0.9482738,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.14685145020484924},{"word":"perfect","start":328.45,"end":328.95,"confidence":0.8831645,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5768792629241943},{"word":"on","start":329.31497,"end":329.63498,"confidence":0.99762493,"punctuated_word":"On","sentiment":"positive","sentiment_score":0.38284754753112793},{"word":"page","start":329.63498,"end":329.955,"confidence":0.9987165,"punctuated_word":"page","sentiment":"positive","sentiment_score":0.369896948337555},{"word":"16","start":329.955,"end":330.35498,"confidence":0.99464947,"punctuated_word":"16","sentiment":"positive","sentiment_score":0.386633574962616},{"word":"there","start":330.35498,"end":330.51498,"confidence":0.9405579,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.332939475774765},{"word":"you","start":330.51498,"end":330.675,"confidence":0.9998758,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3416768014431},{"word":"will","start":330.675,"end":330.75497,"confidence":0.99738115,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2800373435020447},{"word":"be","start":330.75497,"end":330.91498,"confidence":0.999632,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2913256287574768},{"word":"able","start":330.91498,"end":330.995,"confidence":0.99417144,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.31674546003341675},{"word":"to","start":330.995,"end":331.07498,"confidence":0.99666506,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3984780013561249},{"word":"see","start":331.07498,"end":331.235,"confidence":0.99988544,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4406312108039856},{"word":"the","start":331.235,"end":331.395,"confidence":0.99935097,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31583547592163086},{"word":"changes","start":331.395,"end":331.715,"confidence":0.9999107,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.2752675414085388},{"word":"in","start":331.715,"end":331.875,"confidence":0.99994886,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.28048428893089294},{"word":"those","start":331.875,"end":332.115,"confidence":0.99994755,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.27847975492477417},{"word":"investments","start":332.115,"end":332.51498,"confidence":0.98134303,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.24944637715816495},{"word":"what","start":332.51498,"end":332.675,"confidence":0.9998598,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4559682011604309},{"word":"you'll","start":332.675,"end":332.835,"confidence":0.97625244,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.3612695336341858},{"word":"be","start":332.835,"end":332.91498,"confidence":0.99982435,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.304576575756073},{"word":"selling","start":332.91498,"end":333.155,"confidence":0.99923563,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.3241404592990875},{"word":"out","start":333.155,"end":333.31497,"confidence":0.9996462,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2922564148902893},{"word":"of","start":333.31497,"end":333.395,"confidence":0.9955051,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30159375071525574},{"word":"and","start":333.395,"end":333.47498,"confidence":0.576193,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3279952108860016},{"word":"what","start":333.47498,"end":333.63498,"confidence":0.99975294,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4246613681316376},{"word":"you'll","start":333.63498,"end":333.79498,"confidence":0.99926114,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.3152989149093628},{"word":"be","start":333.79498,"end":334.03497,"confidence":0.99886465,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2385895699262619},{"word":"buying","start":334.03497,"end":334.35498,"confidence":0.9999212,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.24462565779685977},{"word":"into","start":334.35498,"end":334.85498,"confidence":0.9995073,"punctuated_word":"into.","sentiment":"neutral","sentiment_score":0.2279568910598755},{"word":"now","start":335.155,"end":335.47498,"confidence":0.99911314,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.18627354502677915},{"word":"with","start":335.47498,"end":335.715,"confidence":0.97877043,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18685339391231537},{"word":"that","start":335.715,"end":335.875,"confidence":0.998238,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.20801803469657895},{"word":"the","start":335.875,"end":336.03497,"confidence":0.9998752,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24429097771644592},{"word":"core","start":336.03497,"end":336.275,"confidence":0.9995017,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.2585766017436981},{"word":"of","start":336.275,"end":336.35498,"confidence":0.999739,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28445565700531006},{"word":"your","start":336.35498,"end":336.59497,"confidence":0.99979,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2419397383928299},{"word":"portfolio","start":336.59497,"end":336.995,"confidence":0.9997913,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.218606099486351},{"word":"will","start":336.995,"end":337.155,"confidence":0.999445,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.23265698552131653},{"word":"be","start":337.155,"end":337.31497,"confidence":0.9998939,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2807590365409851},{"word":"the","start":337.31497,"end":337.47498,"confidence":0.9987276,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28061169385910034},{"word":"s","start":337.47498,"end":337.63498,"confidence":0.82732826,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.2612012028694153},{"word":"and","start":337.63498,"end":337.715,"confidence":0.985414,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1866946667432785},{"word":"p","start":337.715,"end":337.955,"confidence":0.9987299,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.2196078598499298},{"word":"500","start":337.955,"end":338.435,"confidence":0.99467826,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":0.25604936480522156},{"word":"the","start":338.435,"end":338.59497,"confidence":0.61403036,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24154384434223175},{"word":"top","start":338.59497,"end":338.75497,"confidence":0.99823594,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.2390902042388916},{"word":"500","start":338.75497,"end":339.235,"confidence":0.99845445,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.2655077278614044},{"word":"companies","start":339.235,"end":339.555,"confidence":0.99816054,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.23435112833976743},{"word":"in","start":339.555,"end":339.715,"confidence":0.99976367,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2286502569913864},{"word":"america","start":339.715,"end":340.215,"confidence":0.8232082,"punctuated_word":"America.","sentiment":"neutral","sentiment_score":0.1859232634305954},{"word":"and","start":340.35498,"end":340.51498,"confidence":0.8190504,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21701322495937347},{"word":"then","start":340.51498,"end":340.675,"confidence":0.9997681,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19972586631774905},{"word":"you'll","start":340.675,"end":340.995,"confidence":0.9498963,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.23043136298656464},{"word":"also","start":340.995,"end":341.31497,"confidence":0.99972016,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.20341868698596952},{"word":"have","start":341.31497,"end":341.81497,"confidence":0.99954873,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21352584660053253},{"word":"in","start":342.08,"end":342.32,"confidence":0.99845517,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2001609057188034},{"word":"that","start":342.32,"end":342.64,"confidence":0.9987633,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21512681245803833},{"word":"the","start":342.88,"end":343.04,"confidence":0.9950616,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26272788643836975},{"word":"main","start":343.04,"end":343.36,"confidence":0.9993611,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.24868635833263397},{"word":"call","start":343.36,"end":343.6,"confidence":0.6144509,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.18027764558792111},{"word":"bit","start":343.6,"end":343.76,"confidence":0.8194697,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2777242362499237},{"word":"will","start":343.76,"end":343.92,"confidence":0.9778457,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2912702262401581},{"word":"be","start":343.92,"end":344.08,"confidence":0.99848384,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.293256014585495},{"word":"the","start":344.08,"end":344.24,"confidence":0.9895874,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26715636253356934},{"word":"betashares","start":344.24,"end":344.72,"confidence":0.7911277,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.2099810093641281},{"word":"australian","start":344.72,"end":345.12,"confidence":0.8546693,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.22350794076919556},{"word":"200","start":345.12,"end":345.52,"confidence":0.8715279,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.2607213258743286},{"word":"which","start":345.52,"end":345.68,"confidence":0.7852519,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2751562297344208},{"word":"is","start":345.68,"end":345.76,"confidence":0.8205641,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23618032038211825},{"word":"the","start":345.76,"end":345.84,"confidence":0.63872653,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21697542071342468},{"word":"top","start":345.84,"end":346.0,"confidence":0.99842095,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.22849364578723907},{"word":"200","start":346.0,"end":346.32,"confidence":0.9992006,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.2758169174194336},{"word":"companies","start":346.32,"end":346.72,"confidence":0.9983192,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.20433038473129272},{"word":"in","start":346.72,"end":346.88,"confidence":0.99979454,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2372850775718689},{"word":"australia","start":346.88,"end":347.38,"confidence":0.9984721,"punctuated_word":"Australia.","sentiment":"neutral","sentiment_score":0.19226258993148804},{"word":"and","start":348.24,"end":348.48,"confidence":0.99750656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1771380752325058},{"word":"then","start":348.48,"end":348.72,"confidence":0.9997999,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16530214250087738},{"word":"around","start":348.72,"end":349.04,"confidence":0.99415016,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.2478107064962387},{"word":"that","start":349.04,"end":349.28,"confidence":0.99105906,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1879289448261261},{"word":"you'll","start":349.28,"end":349.6,"confidence":0.99934536,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.2184058278799057},{"word":"also","start":349.6,"end":350.0,"confidence":0.999879,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1834688037633896},{"word":"have","start":350.0,"end":350.5,"confidence":0.9191842,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.19249245524406433},{"word":"in","start":350.64,"end":350.88,"confidence":0.9990526,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17539846897125244},{"word":"addition","start":350.88,"end":351.2,"confidence":0.9999366,"punctuated_word":"addition","sentiment":"neutral","sentiment_score":0.08279181271791458},{"word":"to","start":351.2,"end":351.36,"confidence":0.9996024,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1517401784658432},{"word":"that","start":351.36,"end":351.86,"confidence":0.994518,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.169779971241951},{"word":"some","start":352.16,"end":352.32,"confidence":0.9944905,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1743752807378769},{"word":"bonds","start":352.32,"end":352.64,"confidence":0.76576126,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.2117929309606552},{"word":"for","start":352.64,"end":352.88,"confidence":0.9951337,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14761492609977722},{"word":"defensive","start":352.88,"end":353.38,"confidence":0.74590504,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.11182931810617448},{"word":"asset","start":353.44,"end":353.94,"confidence":0.92976403,"punctuated_word":"asset,","sentiment":"neutral","sentiment_score":0.2035346627235413},{"word":"a","start":354.16,"end":354.32,"confidence":0.8672922,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24208757281303409},{"word":"vanguard","start":354.32,"end":354.8,"confidence":0.99184835,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.17851519584655762},{"word":"all","start":354.8,"end":354.96,"confidence":0.31926042,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.18643879890441897},{"word":"world","start":354.96,"end":355.28,"confidence":0.9695481,"punctuated_word":"World","sentiment":"neutral","sentiment_score":0.17918798327445984},{"word":"excluding","start":355.28,"end":355.76,"confidence":0.809883,"punctuated_word":"excluding","sentiment":"neutral","sentiment_score":0.1565898954868317},{"word":"us","start":355.76,"end":355.92,"confidence":0.62298936,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.05561767891049385},{"word":"to","start":355.92,"end":356.08,"confidence":0.9073836,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1190464198589325},{"word":"get","start":356.08,"end":356.24,"confidence":0.99970716,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11041341722011566},{"word":"some","start":356.24,"end":356.4,"confidence":0.9969213,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07405684143304825},{"word":"exposure","start":356.4,"end":356.8,"confidence":0.9995296,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.0717591717839241},{"word":"outside","start":356.8,"end":357.2,"confidence":0.9989126,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.10747769474983215},{"word":"the","start":357.2,"end":357.36,"confidence":0.93278664,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.07137251645326614},{"word":"us","start":357.36,"end":357.86,"confidence":0.76046896,"punctuated_word":"US,","sentiment":"neutral","sentiment_score":0.12711641192436218},{"word":"and","start":357.975,"end":358.135,"confidence":0.9920351,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1948252469301224},{"word":"then","start":358.135,"end":358.215,"confidence":0.9993319,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.18224859237670896},{"word":"you'll","start":358.215,"end":358.375,"confidence":0.999375,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.2086079567670822},{"word":"have","start":358.375,"end":358.875,"confidence":0.9998348,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22179752588272095},{"word":"japan","start":359.095,"end":359.575,"confidence":0.93834054,"punctuated_word":"Japan","sentiment":"neutral","sentiment_score":0.15310896933078766},{"word":"and","start":359.575,"end":359.73502,"confidence":0.98543984,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19558419287204745},{"word":"europe","start":359.73502,"end":360.055,"confidence":0.9999076,"punctuated_word":"Europe","sentiment":"neutral","sentiment_score":0.20518390834331512},{"word":"in","start":360.055,"end":360.295,"confidence":0.9997124,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20766153931617737},{"word":"that","start":360.295,"end":360.535,"confidence":0.99985254,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2605465054512024},{"word":"portfolio","start":360.535,"end":361.015,"confidence":0.999286,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1406296193599701},{"word":"there","start":361.015,"end":361.255,"confidence":0.99834895,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.29587826132774353},{"word":"as","start":361.255,"end":361.335,"confidence":0.99972767,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2776505947113037},{"word":"well","start":361.335,"end":361.835,"confidence":0.7519424,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.20872482657432556},{"word":"and","start":361.89502,"end":362.055,"confidence":0.9978607,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18131747841835025},{"word":"then","start":362.055,"end":362.215,"confidence":0.99964,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1775427907705307},{"word":"some","start":362.215,"end":362.45502,"confidence":0.99328136,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.17817829549312592},{"word":"physical","start":362.45502,"end":362.855,"confidence":0.9775005,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.1274438202381134},{"word":"gold","start":362.855,"end":363.095,"confidence":0.93956494,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.19326333701610565},{"word":"and","start":363.095,"end":363.335,"confidence":0.5514953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16673573851585388},{"word":"then","start":363.335,"end":363.575,"confidence":0.9976144,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2009420096874237},{"word":"beta","start":363.575,"end":363.89502,"confidence":0.64034534,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.1933373063802719},{"word":"share","start":363.89502,"end":364.135,"confidence":0.56735563,"punctuated_word":"share","sentiment":"neutral","sentiment_score":0.1964573711156845},{"word":"cybersecurity","start":364.135,"end":364.635,"confidence":0.8788037,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":0.1699845790863037},{"word":"would","start":365.575,"end":365.815,"confidence":0.43437722,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.25923052430152893},{"word":"be","start":365.815,"end":366.055,"confidence":0.99894637,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.216515451669693},{"word":"the","start":366.055,"end":366.535,"confidence":0.99892646,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19395975768566132},{"word":"the","start":366.535,"end":366.695,"confidence":0.8164538,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20504337549209595},{"word":"other","start":366.695,"end":367.015,"confidence":0.99802774,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.18158453702926636},{"word":"investments","start":367.015,"end":367.495,"confidence":0.9963755,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.11837483942508698},{"word":"in","start":367.495,"end":367.655,"confidence":0.99976784,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17829325795173645},{"word":"your","start":367.655,"end":367.815,"confidence":0.9996351,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1990470439195633},{"word":"portfolio","start":367.815,"end":368.315,"confidence":0.99922323,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.15271390974521637},{"word":"you'll","start":370.87,"end":371.11,"confidence":0.93928087,"punctuated_word":"You'll","sentiment":"positive","sentiment_score":0.35306280851364136},{"word":"be","start":371.11,"end":371.19,"confidence":0.9977081,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4035130739212036},{"word":"able","start":371.19,"end":371.31,"confidence":0.99733245,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.4007532000541687},{"word":"to","start":371.31,"end":371.43,"confidence":0.98272324,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.43088608980178833},{"word":"see","start":371.43,"end":371.59,"confidence":0.9985642,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.39812982082366943},{"word":"those","start":371.59,"end":371.83,"confidence":0.96685636,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.4404405951499939},{"word":"buy","start":371.83,"end":372.06998,"confidence":0.81381744,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.26235419511795044},{"word":"sells","start":372.06998,"end":372.47,"confidence":0.5421557,"punctuated_word":"sells","sentiment":"neutral","sentiment_score":0.3219270408153534},{"word":"on","start":372.47,"end":372.97,"confidence":0.99963677,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3407604992389679},{"word":"page","start":373.11,"end":373.61,"confidence":0.8699825,"punctuated_word":"page","sentiment":"positive","sentiment_score":0.3393309414386749},{"word":"sixteen","start":373.66998,"end":373.99,"confidence":0.9957474,"punctuated_word":"sixteen","sentiment":"positive","sentiment_score":0.3595286011695862},{"word":"and","start":373.99,"end":374.22998,"confidence":0.9992949,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2816339433193207},{"word":"seventeen","start":374.22998,"end":374.63,"confidence":0.99984336,"punctuated_word":"seventeen","sentiment":"positive","sentiment_score":0.3670181632041931},{"word":"there","start":374.63,"end":374.78998,"confidence":0.98760986,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.37392866611480713},{"word":"if","start":374.78998,"end":374.87,"confidence":0.6592696,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4281517267227173},{"word":"you","start":374.87,"end":374.94998,"confidence":0.99962485,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31373730301856995},{"word":"do","start":374.94998,"end":375.11,"confidence":0.9848401,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2569056749343872},{"word":"wanna","start":375.11,"end":375.34998,"confidence":0.97774637,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.3214063048362732},{"word":"have","start":375.34998,"end":375.43,"confidence":0.99903,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3261330723762512},{"word":"a","start":375.43,"end":375.50998,"confidence":0.9993455,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3455964922904968},{"word":"look","start":375.50998,"end":375.75,"confidence":0.99995136,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2571412920951843},{"word":"at","start":375.75,"end":375.83,"confidence":0.9996469,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.34868860244750977},{"word":"those","start":375.83,"end":376.33,"confidence":0.9859072,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.2988073527812958},{"word":"and","start":376.47,"end":376.71,"confidence":0.9996044,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2610214352607727},{"word":"then","start":376.71,"end":377.03,"confidence":0.99972636,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2173590362071991},{"word":"the","start":377.03,"end":377.19,"confidence":0.9933176,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2003922015428543},{"word":"main","start":377.19,"end":377.43,"confidence":0.9998242,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.2699663043022156},{"word":"thing","start":377.43,"end":377.59,"confidence":0.9997595,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.2560725212097168},{"word":"there","start":377.59,"end":377.83,"confidence":0.9925085,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.22030286490917209},{"word":"on","start":377.83,"end":377.99,"confidence":0.8671299,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19891873002052307},{"word":"page","start":377.99,"end":378.38998,"confidence":0.9997824,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.20605947077274325},{"word":"18","start":378.38998,"end":378.63,"confidence":0.99387866,"punctuated_word":"18,","sentiment":"neutral","sentiment_score":0.24952401220798492},{"word":"you'll","start":378.63,"end":378.87,"confidence":0.99894446,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.241684228181839},{"word":"be","start":378.87,"end":378.94998,"confidence":0.99981135,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2755697965621948},{"word":"able","start":378.94998,"end":379.19,"confidence":0.99910396,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.28956758975982666},{"word":"to","start":379.19,"end":379.27,"confidence":0.99278766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3097333610057831},{"word":"see","start":379.27,"end":379.43,"confidence":0.99746144,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.3225233554840088},{"word":"that","start":379.43,"end":379.75,"confidence":0.9997255,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27241191267967224},{"word":"you'll","start":379.75,"end":379.91,"confidence":0.9241792,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.30057498812675476},{"word":"move","start":379.91,"end":380.15,"confidence":0.99082804,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.2982744574546814},{"word":"from","start":380.15,"end":380.38998,"confidence":0.9987483,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.18922200798988345},{"word":"about","start":380.38998,"end":380.63,"confidence":0.96425,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.21274018287658691},{"word":"86%","start":380.63,"end":381.50998,"confidence":0.9992587,"punctuated_word":"86%","sentiment":"neutral","sentiment_score":0.22279644012451172},{"word":"in","start":381.50998,"end":381.66998,"confidence":0.99833775,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21931345760822296},{"word":"growth","start":381.66998,"end":381.99,"confidence":0.97681034,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.154606431722641},{"word":"assets","start":381.99,"end":382.38998,"confidence":0.78438324,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.14229941368103027},{"word":"about","start":382.38998,"end":382.63,"confidence":0.9617754,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2001035362482071},{"word":"13%","start":382.63,"end":383.385,"confidence":0.99748,"punctuated_word":"13%","sentiment":"neutral","sentiment_score":0.21058893203735352},{"word":"defensive","start":383.465,"end":383.86502,"confidence":0.9938506,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.1310073286294937},{"word":"to","start":383.86502,"end":384.02502,"confidence":0.6217245,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1559416949748993},{"word":"around","start":384.02502,"end":384.265,"confidence":0.9362618,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.23225724697113037},{"word":"95%","start":384.265,"end":385.065,"confidence":0.9980998,"punctuated_word":"95%","sentiment":"neutral","sentiment_score":0.236897736787796},{"word":"growth","start":385.065,"end":385.385,"confidence":0.9966702,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.22323422133922577},{"word":"assets","start":385.385,"end":385.70502,"confidence":0.939837,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.21931566298007965},{"word":"around","start":385.70502,"end":386.02502,"confidence":0.9895593,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.22102896869182587},{"word":"5%","start":386.02502,"end":386.665,"confidence":0.9979017,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.24980396032333377},{"word":"defensive","start":386.665,"end":387.165,"confidence":0.84125113,"punctuated_word":"defensive,","sentiment":"neutral","sentiment_score":0.21176651120185852},{"word":"if","start":387.465,"end":387.625,"confidence":0.9922069,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.28010186553001404},{"word":"that","start":387.625,"end":387.785,"confidence":0.99988186,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2728845775127411},{"word":"makes","start":387.785,"end":387.945,"confidence":0.94225764,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.17705151438713074},{"word":"sense","start":387.945,"end":388.445,"confidence":0.82774997,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.19492121040821075},{"word":"perfect","start":390.665,"end":391.065,"confidence":0.98471594,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.48302966356277466},{"word":"do","start":391.065,"end":391.14502,"confidence":0.99737775,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.1372518241405487},{"word":"you","start":391.14502,"end":391.225,"confidence":0.9996319,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1436286419630051},{"word":"have","start":391.225,"end":391.385,"confidence":0.9988669,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1384471356868744},{"word":"any","start":391.385,"end":391.545,"confidence":0.999446,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.14812445640563965},{"word":"questions","start":391.545,"end":391.785,"confidence":0.9993667,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1362539529800415},{"word":"in","start":391.785,"end":391.945,"confidence":0.99910057,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07880339026451111},{"word":"regards","start":391.945,"end":392.265,"confidence":0.9957266,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.05971158668398857},{"word":"to","start":392.265,"end":392.345,"confidence":0.97925687,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07607832551002502},{"word":"that","start":392.345,"end":392.505,"confidence":0.9971576,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14535297453403473},{"word":"investment","start":392.505,"end":392.905,"confidence":0.97861826,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1133223921060562},{"word":"switch","start":392.905,"end":393.225,"confidence":0.9877978,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.1028289794921875},{"word":"or","start":393.225,"end":393.30502,"confidence":0.95194036,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.14432993531227112},{"word":"the","start":393.30502,"end":393.465,"confidence":0.9919974,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1687803864479065},{"word":"changes","start":393.465,"end":393.785,"confidence":0.99964356,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.18747319281101227},{"word":"in","start":393.785,"end":393.945,"confidence":0.9997876,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11596211791038512},{"word":"your","start":393.945,"end":394.185,"confidence":0.99964464,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17953813076019287},{"word":"investment","start":394.185,"end":394.685,"confidence":0.8693644,"punctuated_word":"investment?","sentiment":"neutral","sentiment_score":0.09816756844520567},{"word":"yeah","start":396.52,"end":396.84,"confidence":0.779498,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15806594491004944},{"word":"not","start":396.84,"end":397.08,"confidence":0.998154,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.26145175099372864},{"word":"a","start":397.08,"end":397.16,"confidence":0.9995889,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2297109067440033},{"word":"problem","start":397.16,"end":397.47998,"confidence":0.9998604,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.2924366891384125},{"word":"at","start":397.47998,"end":397.56,"confidence":0.99983037,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.286418080329895},{"word":"all","start":397.56,"end":398.06,"confidence":0.9996543,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.30411696434020996},{"word":"now","start":398.68,"end":399.18,"confidence":0.8530468,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.23131972551345825},{"word":"on","start":399.24,"end":399.56,"confidence":0.96322674,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1973002701997757},{"word":"page","start":399.56,"end":399.96,"confidence":0.9988834,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.20649559795856476},{"word":"19","start":399.96,"end":400.28,"confidence":0.9887821,"punctuated_word":"19","sentiment":"neutral","sentiment_score":0.2634492814540863},{"word":"there","start":400.28,"end":400.44,"confidence":0.79224944,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.21112202107906344},{"word":"you'll","start":400.44,"end":400.6,"confidence":0.9923831,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.22604653239250183},{"word":"be","start":400.6,"end":400.68,"confidence":0.9997334,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.24199837446212769},{"word":"able","start":400.68,"end":400.76,"confidence":0.9989716,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2478770613670349},{"word":"to","start":400.76,"end":400.84,"confidence":0.99720806,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28227871656417847},{"word":"see","start":400.84,"end":401.0,"confidence":0.99879634,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.32197120785713196},{"word":"an","start":401.0,"end":401.16,"confidence":0.9985329,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.234953373670578},{"word":"illustration","start":401.16,"end":401.56,"confidence":0.99989474,"punctuated_word":"illustration","sentiment":"neutral","sentiment_score":0.19356125593185425},{"word":"of","start":401.56,"end":401.63998,"confidence":0.82720643,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2402203232049942},{"word":"that","start":401.63998,"end":401.8,"confidence":0.9988146,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2602013349533081},{"word":"of","start":401.8,"end":401.96,"confidence":0.48535872,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24951604008674624},{"word":"the","start":401.96,"end":402.12,"confidence":0.9950741,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.254541277885437},{"word":"cost","start":402.12,"end":402.36,"confidence":0.9990097,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.17267446219921112},{"word":"savings","start":402.36,"end":402.75998,"confidence":0.99951446,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.17571890354156494},{"word":"in","start":402.75998,"end":402.91998,"confidence":0.9950841,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22674326598644257},{"word":"regards","start":402.91998,"end":403.24,"confidence":0.99724966,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.22437813878059387},{"word":"to","start":403.24,"end":403.32,"confidence":0.99658716,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2850267291069031},{"word":"your","start":403.32,"end":403.47998,"confidence":0.90721726,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.26363232731819153},{"word":"investment","start":403.47998,"end":403.88,"confidence":0.98877794,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.19331473112106323},{"word":"the","start":403.88,"end":404.03998,"confidence":0.9996593,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3827385902404785},{"word":"capital","start":404.03998,"end":404.52,"confidence":0.9990464,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.22582924365997312},{"word":"gains","start":404.52,"end":404.91998,"confidence":0.99611926,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.2518177032470703},{"word":"bill","start":404.91998,"end":405.08,"confidence":0.4153424,"punctuated_word":"bill","sentiment":"positive","sentiment_score":0.3491986393928528},{"word":"that","start":405.08,"end":405.24,"confidence":0.99300873,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3074769377708435},{"word":"you","start":405.24,"end":405.4,"confidence":0.99926335,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32445451617240906},{"word":"would","start":405.4,"end":405.56,"confidence":0.9596135,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.30005115270614624},{"word":"be","start":405.56,"end":405.72,"confidence":0.9981998,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.28495702147483826},{"word":"paying","start":405.72,"end":405.96,"confidence":0.9998567,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.25374120473861694},{"word":"there","start":405.96,"end":406.12,"confidence":0.7505486,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.2356075644493103},{"word":"and","start":406.12,"end":406.28,"confidence":0.9992717,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2632575035095215},{"word":"then","start":406.28,"end":406.78,"confidence":0.80990225,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.26005318760871887},{"word":"the","start":407.0,"end":407.08,"confidence":0.52378833,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2651074528694153},{"word":"within","start":407.16,"end":407.47998,"confidence":0.9232682,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.2009663432836533},{"word":"regards","start":407.47998,"end":407.96,"confidence":0.9956892,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.20588552951812744},{"word":"to","start":407.96,"end":408.12,"confidence":0.9996207,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29168951511383057},{"word":"that","start":408.12,"end":408.36,"confidence":0.9997272,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1913345009088516},{"word":"one","start":408.36,"end":408.825,"confidence":0.84764814,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.24093641340732577},{"word":"on","start":409.065,"end":409.225,"confidence":0.9993388,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.30635401606559753},{"word":"average","start":409.225,"end":409.70502,"confidence":0.99181867,"punctuated_word":"average,","sentiment":"neutral","sentiment_score":0.30793896317481995},{"word":"it","start":409.70502,"end":409.86502,"confidence":0.9996667,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.38955044746398926},{"word":"will","start":409.86502,"end":410.02502,"confidence":0.99459004,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3755631446838379},{"word":"be","start":410.02502,"end":410.185,"confidence":0.9996995,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4516167938709259},{"word":"around","start":410.185,"end":410.42502,"confidence":0.9993349,"punctuated_word":"around","sentiment":"positive","sentiment_score":0.4029029905796051},{"word":"$250","start":410.42502,"end":411.385,"confidence":0.7810633,"punctuated_word":"$250","sentiment":"positive","sentiment_score":0.491437554359436},{"word":"you'll","start":411.385,"end":411.545,"confidence":0.87075335,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.4642011523246765},{"word":"save","start":411.545,"end":411.86502,"confidence":0.9992306,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.2974572777748108},{"word":"in","start":411.86502,"end":412.02502,"confidence":0.997136,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.409441739320755},{"word":"terms","start":412.02502,"end":412.265,"confidence":0.99990153,"punctuated_word":"terms","sentiment":"positive","sentiment_score":0.43757879734039307},{"word":"of","start":412.265,"end":412.42502,"confidence":0.94621164,"punctuated_word":"of,","sentiment":"positive","sentiment_score":0.39536911249160767},{"word":"like","start":412.42502,"end":412.665,"confidence":0.99846584,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.30421602725982666},{"word":"cost","start":412.665,"end":412.825,"confidence":0.99891293,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.2762930393218994},{"word":"savings","start":412.825,"end":413.325,"confidence":0.9994142,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.27456748485565186},{"word":"year","start":414.825,"end":414.98502,"confidence":0.6660329,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.46608826518058777},{"word":"on","start":414.98502,"end":415.14502,"confidence":0.99873286,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.433303564786911},{"word":"year","start":415.14502,"end":415.64502,"confidence":0.75087595,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.30857229232788086},{"word":"with","start":416.665,"end":416.905,"confidence":0.9384282,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.1940625905990601},{"word":"the","start":416.905,"end":417.14502,"confidence":0.9997744,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14584168791770935},{"word":"investment","start":417.14502,"end":417.625,"confidence":0.99969995,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06838160008192062},{"word":"cost","start":417.625,"end":417.86502,"confidence":0.80524385,"punctuated_word":"cost,","sentiment":"neutral","sentiment_score":0.13034215569496155},{"word":"obviously","start":417.86502,"end":418.185,"confidence":0.90189886,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.09517385065555573},{"word":"your","start":418.185,"end":418.345,"confidence":0.67728937,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1293349415063858},{"word":"superannuation","start":418.345,"end":418.845,"confidence":0.9470491,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.12820453941822052},{"word":"as","start":418.98502,"end":419.065,"confidence":0.4500124,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11738667637109756},{"word":"that","start":419.065,"end":419.225,"confidence":0.7917829,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07118336856365204},{"word":"grows","start":419.225,"end":419.46503,"confidence":0.9018189,"punctuated_word":"grows,","sentiment":"neutral","sentiment_score":0.12652376294136047},{"word":"that","start":419.46503,"end":419.625,"confidence":0.98811066,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1330566555261612},{"word":"figure","start":419.625,"end":419.945,"confidence":0.99467963,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.12023548036813736},{"word":"changes","start":419.945,"end":420.445,"confidence":0.94133604,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.030311789363622665},{"word":"and","start":420.58502,"end":420.74503,"confidence":0.98502284,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12127335369586945},{"word":"then","start":420.74503,"end":420.98502,"confidence":0.99954766,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1667001247406006},{"word":"the","start":420.98502,"end":421.14502,"confidence":0.9678763,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21608778834342957},{"word":"recommended","start":421.14502,"end":421.625,"confidence":0.95741904,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.24034756422042847},{"word":"investment","start":421.625,"end":422.125,"confidence":0.9997546,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.14661112427711487},{"word":"has","start":422.84998,"end":423.09,"confidence":0.99959296,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.24480736255645752},{"word":"historically","start":423.09,"end":423.56998,"confidence":0.9984824,"punctuated_word":"historically","sentiment":"neutral","sentiment_score":0.2393326461315155},{"word":"performed","start":423.56998,"end":423.88998,"confidence":0.9956116,"punctuated_word":"performed","sentiment":"positive","sentiment_score":0.3477720022201538},{"word":"better","start":423.88998,"end":424.12997,"confidence":0.9998847,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.3431459665298462},{"word":"over","start":424.12997,"end":424.37,"confidence":0.9942847,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.3900415301322937},{"word":"a","start":424.37,"end":424.44998,"confidence":0.9914642,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3728998303413391},{"word":"three","start":424.44998,"end":424.61,"confidence":0.99938583,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.2338211089372635},{"word":"year","start":424.61,"end":424.84998,"confidence":0.99859494,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.22690042853355408},{"word":"period","start":424.84998,"end":425.34998,"confidence":0.7833891,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.29620134830474854},{"word":"but","start":425.65,"end":425.88998,"confidence":0.9756613,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.012696593999862673},{"word":"in","start":425.88998,"end":426.05,"confidence":0.9925236,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06363499909639359},{"word":"saying","start":426.05,"end":426.37,"confidence":0.99954385,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.09749425947666168},{"word":"that","start":426.37,"end":426.68997,"confidence":0.99821717,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07663878798484802},{"word":"past","start":426.68997,"end":427.00998,"confidence":0.7192523,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.061025992035865784},{"word":"performance","start":427.00998,"end":427.40997,"confidence":0.9466435,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":-0.05845685303211212},{"word":"isn't","start":427.40997,"end":427.56998,"confidence":0.914292,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.24880340695381165},{"word":"indicative","start":427.56998,"end":427.96997,"confidence":0.996427,"punctuated_word":"indicative","sentiment":"neutral","sentiment_score":-0.24090853333473208},{"word":"of","start":427.96997,"end":428.05,"confidence":0.9828387,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16233569383621216},{"word":"those","start":428.05,"end":428.28998,"confidence":0.99558616,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.10947243869304656},{"word":"future","start":428.28998,"end":428.53,"confidence":0.99800915,"punctuated_word":"future","sentiment":"neutral","sentiment_score":-0.16031673550605774},{"word":"performance","start":428.53,"end":429.00998,"confidence":0.94926786,"punctuated_word":"performance,","sentiment":"neutral","sentiment_score":-0.1665901392698288},{"word":"the","start":429.00998,"end":429.16998,"confidence":0.9852674,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.33828672766685486},{"word":"markets","start":429.16998,"end":429.49,"confidence":0.9535202,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.26474735140800476},{"word":"aren't","start":429.49,"end":429.65,"confidence":0.99415386,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.33168554306030273},{"word":"gonna","start":429.65,"end":429.96997,"confidence":0.94625473,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.3050823509693146},{"word":"replicate","start":429.96997,"end":430.37,"confidence":0.9995233,"punctuated_word":"replicate","sentiment":"neutral","sentiment_score":-0.28093352913856506},{"word":"year","start":430.37,"end":430.53,"confidence":0.9965454,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.2556898295879364},{"word":"on","start":430.53,"end":430.68997,"confidence":0.99797434,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2308661937713623},{"word":"year","start":430.68997,"end":430.84998,"confidence":0.9963449,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.17238466441631317},{"word":"i","start":430.84998,"end":430.93,"confidence":0.99950707,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17461547255516052},{"word":"don't","start":430.93,"end":431.16998,"confidence":0.99981695,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1632756143808365},{"word":"know","start":431.16998,"end":431.25,"confidence":0.99899656,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.20461128652095795},{"word":"what","start":431.25,"end":431.40997,"confidence":0.9996408,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2200278043746948},{"word":"trump's","start":431.40997,"end":431.72998,"confidence":0.97730577,"punctuated_word":"Trump's","sentiment":"neutral","sentiment_score":-0.17808404564857483},{"word":"doing","start":431.72998,"end":432.22998,"confidence":0.9995234,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.15337195992469788},{"word":"today","start":432.37,"end":432.68997,"confidence":0.94690657,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":-0.12106837332248688},{"word":"let","start":432.68997,"end":432.93,"confidence":0.99937576,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.1489086002111435},{"word":"alone","start":432.93,"end":433.16998,"confidence":0.9971517,"punctuated_word":"alone","sentiment":"neutral","sentiment_score":-0.10828647762537004},{"word":"tomorrow","start":433.16998,"end":433.56998,"confidence":0.99864215,"punctuated_word":"tomorrow","sentiment":"neutral","sentiment_score":-0.08358023315668106},{"word":"or","start":433.56998,"end":433.65,"confidence":0.55010366,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.106962651014328},{"word":"what","start":433.65,"end":433.81,"confidence":0.998896,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.13104501366615295},{"word":"he's","start":433.81,"end":434.05,"confidence":0.99465704,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.1532522439956665},{"word":"gonna","start":434.05,"end":434.28998,"confidence":0.98966557,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.16950568556785583},{"word":"tweet","start":434.28998,"end":434.78998,"confidence":0.79449236,"punctuated_word":"tweet,","sentiment":"neutral","sentiment_score":-0.15539391338825226},{"word":"and","start":434.93,"end":435.09,"confidence":0.98943347,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17361311614513397},{"word":"that","start":435.09,"end":435.33,"confidence":0.9993793,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17943260073661804},{"word":"has","start":435.33,"end":435.56998,"confidence":0.99939466,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.1695321798324585},{"word":"a","start":435.56998,"end":435.65,"confidence":0.99420124,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1392657905817032},{"word":"direct","start":435.65,"end":435.96997,"confidence":0.99975806,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":-0.12127826362848282},{"word":"correlation","start":435.96997,"end":436.44998,"confidence":0.9997365,"punctuated_word":"correlation","sentiment":"neutral","sentiment_score":-0.06200288236141205},{"word":"of","start":436.44998,"end":436.61,"confidence":0.99631494,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10941515862941742},{"word":"sort","start":436.61,"end":436.77,"confidence":0.98703474,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.10008923709392548},{"word":"of","start":436.77,"end":437.00998,"confidence":0.99758387,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08328109234571457},{"word":"what","start":437.00998,"end":437.16998,"confidence":0.8126739,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07860111445188522},{"word":"the","start":437.16998,"end":437.33,"confidence":0.9985935,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0932149663567543},{"word":"markets","start":437.33,"end":437.65,"confidence":0.99703765,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.08556652814149857},{"word":"are","start":437.65,"end":437.81,"confidence":0.99910337,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.07155341655015945},{"word":"doing","start":437.81,"end":438.31,"confidence":0.98831826,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":-0.04917425289750099},{"word":"but","start":438.63498,"end":438.875,"confidence":0.99105984,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.037187010049819946},{"word":"in","start":438.875,"end":439.035,"confidence":0.99788034,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12769052386283877},{"word":"saying","start":439.035,"end":439.35498,"confidence":0.99918,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.18329480290412903},{"word":"that","start":439.35498,"end":439.51498,"confidence":0.998961,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26074013113975525},{"word":"over","start":439.51498,"end":439.755,"confidence":0.92464745,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.3290420174598694},{"word":"a","start":439.755,"end":439.835,"confidence":0.9957593,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.34191811084747314},{"word":"long","start":439.835,"end":440.07498,"confidence":0.9998191,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2758784890174866},{"word":"term","start":440.07498,"end":440.235,"confidence":0.9959805,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.263505756855011},{"word":"period","start":440.235,"end":440.475,"confidence":0.9893628,"punctuated_word":"period","sentiment":"positive","sentiment_score":0.34673011302948},{"word":"of","start":440.475,"end":440.63498,"confidence":0.9723351,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2267687022686005},{"word":"time","start":440.63498,"end":440.955,"confidence":0.92976594,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.298669695854187},{"word":"having","start":440.955,"end":441.275,"confidence":0.99941325,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.4583415389060974},{"word":"those","start":441.275,"end":441.51498,"confidence":0.9998252,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3546812832355499},{"word":"index","start":441.51498,"end":441.91498,"confidence":0.9807904,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.25319015979766846},{"word":"investments","start":441.91498,"end":442.41498,"confidence":0.9991417,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1338283121585846},{"word":"over","start":442.79498,"end":442.955,"confidence":0.9833838,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.35698333382606506},{"word":"that","start":442.955,"end":443.275,"confidence":0.999813,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33875563740730286},{"word":"sort","start":443.275,"end":443.435,"confidence":0.99509627,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.24900829792022705},{"word":"of","start":443.435,"end":443.595,"confidence":0.9815269,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25527632236480713},{"word":"twenty","start":443.595,"end":443.91498,"confidence":0.99960107,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.33235520124435425},{"word":"year","start":443.91498,"end":444.07498,"confidence":0.99457115,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.33273839950561523},{"word":"period","start":444.07498,"end":444.57498,"confidence":0.97337675,"punctuated_word":"period,","sentiment":"positive","sentiment_score":0.37376320362091064},{"word":"maintaining","start":444.79498,"end":445.275,"confidence":0.99432737,"punctuated_word":"maintaining","sentiment":"positive","sentiment_score":0.4418547749519348},{"word":"invested","start":445.275,"end":445.755,"confidence":0.9450543,"punctuated_word":"invested,","sentiment":"positive","sentiment_score":0.35976022481918335},{"word":"doing","start":445.755,"end":445.995,"confidence":0.997209,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.49004992842674255},{"word":"your","start":445.995,"end":446.155,"confidence":0.5313123,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4741878509521485},{"word":"contributions","start":446.155,"end":446.655,"confidence":0.95735824,"punctuated_word":"contributions,","sentiment":"positive","sentiment_score":0.40430542826652527},{"word":"it's","start":447.595,"end":447.91498,"confidence":0.997362,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4359186887741089},{"word":"historically","start":447.91498,"end":448.41498,"confidence":0.99483794,"punctuated_word":"historically","sentiment":"positive","sentiment_score":0.459942102432251},{"word":"showing","start":448.475,"end":448.715,"confidence":0.7001511,"punctuated_word":"showing","sentiment":"positive","sentiment_score":0.3738047182559967},{"word":"that","start":448.715,"end":448.955,"confidence":0.99985063,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.44126757979393005},{"word":"they","start":448.955,"end":449.115,"confidence":0.9993604,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.4771194458007813},{"word":"do","start":449.115,"end":449.35498,"confidence":0.9997665,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4272082448005676},{"word":"perform","start":449.35498,"end":449.85498,"confidence":0.9998031,"punctuated_word":"perform","sentiment":"positive","sentiment_score":0.4342343807220459},{"word":"generally","start":450.235,"end":450.715,"confidence":0.98278505,"punctuated_word":"generally","sentiment":"positive","sentiment_score":0.5058954358100891},{"word":"better","start":450.715,"end":451.035,"confidence":0.9998611,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.3609277009963989},{"word":"than","start":451.035,"end":451.195,"confidence":0.999635,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.2855459153652191},{"word":"actively","start":451.195,"end":451.675,"confidence":0.9996729,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.2920556962490082},{"word":"managed","start":451.675,"end":451.995,"confidence":0.99389327,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.30694660544395447},{"word":"funds","start":451.995,"end":452.46,"confidence":0.8323847,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.1675567626953125},{"word":"and","start":452.69998,"end":452.94,"confidence":0.9994461,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2008916139602661},{"word":"then","start":452.94,"end":453.18,"confidence":0.9993563,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2807151675224304},{"word":"with","start":453.18,"end":453.41998,"confidence":0.9659295,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.32022762298583984},{"word":"that","start":453.41998,"end":453.66,"confidence":0.93252194,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.3235328793525696},{"word":"carry","start":453.66,"end":453.9,"confidence":0.90845263,"punctuated_word":"carry","sentiment":"positive","sentiment_score":0.3514293134212494},{"word":"a","start":453.9,"end":453.97998,"confidence":0.9935136,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3327607214450836},{"word":"little","start":453.97998,"end":454.13998,"confidence":0.99959105,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.18828490376472473},{"word":"bit","start":454.13998,"end":454.3,"confidence":0.9993724,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.19786134362220764},{"word":"less","start":454.3,"end":454.62,"confidence":0.9998517,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.16779376566410065},{"word":"volatility","start":454.62,"end":455.12,"confidence":0.99976784,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":0.06245523691177368},{"word":"as","start":455.41998,"end":455.58,"confidence":0.9561574,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1967943012714386},{"word":"long","start":455.58,"end":455.74,"confidence":0.99868244,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2988482713699341},{"word":"as","start":455.74,"end":455.81998,"confidence":0.9979128,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3526794910430908},{"word":"the","start":455.81998,"end":455.97998,"confidence":0.9959864,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3181566298007965},{"word":"market's","start":455.97998,"end":456.3,"confidence":0.92889655,"punctuated_word":"market's","sentiment":"positive","sentiment_score":0.35870587825775146},{"word":"doing","start":456.3,"end":456.53998,"confidence":0.99948055,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.3879533112049103},{"word":"well","start":456.53998,"end":456.78,"confidence":0.984759,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.3219018578529358},{"word":"and","start":456.78,"end":456.94,"confidence":0.999554,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02015615999698639},{"word":"if","start":456.94,"end":457.25998,"confidence":0.9997129,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.10578515380620956},{"word":"the","start":457.25998,"end":457.34,"confidence":0.9985991,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.218135267496109},{"word":"market's","start":457.34,"end":457.81998,"confidence":0.9909392,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":-0.2120688408613205},{"word":"doing","start":457.81998,"end":458.06,"confidence":0.9997228,"punctuated_word":"doing","sentiment":"negative","sentiment_score":-0.42094314098358154},{"word":"poorly","start":458.06,"end":458.56,"confidence":0.99903816,"punctuated_word":"poorly,","sentiment":"negative","sentiment_score":-0.3958814740180969},{"word":"it","start":458.69998,"end":458.94,"confidence":0.99965346,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.18557582795619965},{"word":"means","start":458.94,"end":459.18,"confidence":0.9997956,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.18007361888885498},{"word":"that","start":459.18,"end":459.34,"confidence":0.99935526,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.22109682857990265},{"word":"everyone's","start":459.34,"end":459.74,"confidence":0.9966755,"punctuated_word":"everyone's","sentiment":"neutral","sentiment_score":-0.20792612433433533},{"word":"probably","start":459.74,"end":460.13998,"confidence":0.99950707,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.12065750360488892},{"word":"in","start":460.13998,"end":460.3,"confidence":0.999721,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13961759209632874},{"word":"the","start":460.3,"end":460.38,"confidence":0.99954045,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08006931841373444},{"word":"same","start":460.38,"end":460.62,"confidence":0.99963343,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.025281354784965515},{"word":"boat","start":460.62,"end":460.94,"confidence":0.99958795,"punctuated_word":"boat","sentiment":"neutral","sentiment_score":-0.027274906635284424},{"word":"much","start":460.94,"end":461.09998,"confidence":0.7340579,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.14745348691940308},{"word":"like","start":461.09998,"end":461.34,"confidence":0.99291784,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.11779452860355376},{"word":"now","start":461.34,"end":461.66,"confidence":0.99874276,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.15722350776195526},{"word":"at","start":461.66,"end":461.81998,"confidence":0.92246115,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.21099452674388883},{"word":"the","start":461.81998,"end":461.9,"confidence":0.9989722,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1821002960205078},{"word":"moment","start":461.9,"end":462.22,"confidence":0.9555141,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.13159199059009552},{"word":"with","start":462.22,"end":462.38,"confidence":0.991732,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2785149812698364},{"word":"the","start":462.38,"end":462.46,"confidence":0.98827595,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2963135242462158},{"word":"war","start":462.46,"end":462.78,"confidence":0.9921422,"punctuated_word":"war","sentiment":"neutral","sentiment_score":-0.2771490216255188},{"word":"or","start":462.78,"end":462.94,"confidence":0.97140884,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.23923003673553467},{"word":"like","start":462.94,"end":463.09998,"confidence":0.7033491,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.19988860189914703},{"word":"a","start":463.09998,"end":463.25998,"confidence":0.9951048,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19640742242336273},{"word":"covid","start":463.25998,"end":463.58,"confidence":0.9988849,"punctuated_word":"COVID","sentiment":"neutral","sentiment_score":-0.17900928854942322},{"word":"event","start":463.58,"end":464.08,"confidence":0.9560155,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.17801573872566223},{"word":"per","start":464.46,"end":464.69998,"confidence":0.92512786,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.0241854190826416},{"word":"se","start":464.69998,"end":465.105,"confidence":0.8653599,"punctuated_word":"se.","sentiment":"neutral","sentiment_score":-0.09516477584838869},{"word":"so","start":467.185,"end":467.345,"confidence":0.9727693,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20978447794914248},{"word":"the","start":467.345,"end":467.42502,"confidence":0.9974269,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2820715308189392},{"word":"goal","start":467.42502,"end":467.665,"confidence":0.99984074,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.2572086453437805},{"word":"is","start":467.665,"end":467.74503,"confidence":0.9987766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3060400187969208},{"word":"that","start":467.74503,"end":467.98502,"confidence":0.4310817,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.43872323632240295},{"word":"obviously","start":467.98502,"end":468.225,"confidence":0.60829055,"punctuated_word":"obviously","sentiment":"positive","sentiment_score":0.42359352111816406},{"word":"put","start":468.225,"end":468.30502,"confidence":0.8135477,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.4910001754760742},{"word":"you","start":468.30502,"end":468.385,"confidence":0.97927284,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5386120676994324},{"word":"in","start":468.385,"end":468.46503,"confidence":0.9500147,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.44400355219841},{"word":"a","start":468.46503,"end":468.545,"confidence":0.98193043,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4098480939865112},{"word":"bit","start":468.545,"end":468.70502,"confidence":0.9961047,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4134818613529206},{"word":"of","start":468.70502,"end":468.86502,"confidence":0.98553956,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4244151115417481},{"word":"a","start":468.86502,"end":469.105,"confidence":0.82856786,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4018445014953614},{"word":"position","start":469.105,"end":469.58502,"confidence":0.23243684,"punctuated_word":"position","sentiment":"positive","sentiment_score":0.4283011257648468},{"word":"over","start":469.58502,"end":469.74503,"confidence":0.8936335,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.3515569269657135},{"word":"that","start":469.74503,"end":469.905,"confidence":0.5588457,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.337005615234375},{"word":"next","start":469.905,"end":470.065,"confidence":0.9907623,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.19506174325942993},{"word":"five","start":470.065,"end":470.225,"confidence":0.9980463,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.3035213351249695},{"word":"to","start":470.225,"end":470.30502,"confidence":0.92895454,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2522865831851959},{"word":"ten","start":470.30502,"end":470.465,"confidence":0.99989605,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.3284696042537689},{"word":"years","start":470.465,"end":470.785,"confidence":0.9876752,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.32803627848625183},{"word":"there","start":470.785,"end":470.945,"confidence":0.93061787,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.18801237642765045},{"word":"is","start":470.945,"end":471.02502,"confidence":0.97555035,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18954503536224365},{"word":"an","start":471.02502,"end":471.185,"confidence":0.998418,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.24324391782283783},{"word":"illustration","start":471.185,"end":471.665,"confidence":0.99981827,"punctuated_word":"illustration","sentiment":"neutral","sentiment_score":0.18803206086158752},{"word":"of","start":471.665,"end":471.825,"confidence":0.75605285,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20298293232917783},{"word":"that","start":471.825,"end":471.98502,"confidence":0.9958423,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20148971676826477},{"word":"shows","start":471.98502,"end":472.30502,"confidence":0.5250486,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.1656365990638733},{"word":"that","start":472.30502,"end":472.465,"confidence":0.8447797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18744613230228424},{"word":"what","start":472.465,"end":472.545,"confidence":0.7867965,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16808509826660156},{"word":"that","start":472.545,"end":472.70502,"confidence":0.98117745,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1076011136174202},{"word":"might","start":472.70502,"end":472.945,"confidence":0.9996234,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.10356353223323822},{"word":"look","start":472.945,"end":473.105,"confidence":0.9994331,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09427892416715622},{"word":"like","start":473.105,"end":473.345,"confidence":0.99723405,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06643090397119522},{"word":"based","start":473.345,"end":473.58502,"confidence":0.9973097,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.08895076811313629},{"word":"on","start":473.58502,"end":473.665,"confidence":0.99034834,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06853941828012466},{"word":"those","start":473.665,"end":473.905,"confidence":0.99910337,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09909746795892715},{"word":"past","start":473.905,"end":474.065,"confidence":0.9982444,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.08834429830312729},{"word":"figures","start":474.065,"end":474.465,"confidence":0.81105244,"punctuated_word":"figures.","sentiment":"neutral","sentiment_score":0.1539621502161026},{"word":"but","start":474.465,"end":474.625,"confidence":0.9996049,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.02774474024772644},{"word":"as","start":474.625,"end":474.785,"confidence":0.96257275,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.11648418009281158},{"word":"i","start":474.785,"end":474.945,"confidence":0.99588203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03746784478425979},{"word":"said","start":474.945,"end":475.105,"confidence":0.9892686,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.06181996315717697},{"word":"that's","start":475.105,"end":475.345,"confidence":0.9986845,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1586717665195465},{"word":"to","start":475.345,"end":475.42502,"confidence":0.9988412,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1327301412820816},{"word":"be","start":475.42502,"end":475.58502,"confidence":0.9996517,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1726764738559723},{"word":"taken","start":475.58502,"end":475.825,"confidence":0.99963963,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":-0.1753986030817032},{"word":"with","start":475.825,"end":475.98502,"confidence":0.99980944,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1380157172679901},{"word":"a","start":475.98502,"end":476.065,"confidence":0.9540071,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12788069248199463},{"word":"grain","start":476.065,"end":476.30502,"confidence":0.99923265,"punctuated_word":"grain","sentiment":"neutral","sentiment_score":-0.11993372440338136},{"word":"of","start":476.30502,"end":476.385,"confidence":0.99921715,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13579675555229187},{"word":"salt","start":476.385,"end":476.625,"confidence":0.99353474,"punctuated_word":"salt.","sentiment":"neutral","sentiment_score":-0.10051587224006651},{"word":"that's","start":476.625,"end":476.86502,"confidence":0.999316,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.1650480479001999},{"word":"not","start":476.86502,"end":477.02502,"confidence":0.999617,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.22898030281066897},{"word":"like","start":477.02502,"end":477.185,"confidence":0.9696767,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2274627387523651},{"word":"a","start":477.185,"end":477.42,"confidence":0.6696247,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.20164716243743896},{"word":"a","start":477.58002,"end":477.82,"confidence":0.99619377,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18086491525173187},{"word":"guaranteed","start":477.82,"end":478.32,"confidence":0.99729496,"punctuated_word":"guaranteed","sentiment":"neutral","sentiment_score":-0.14771336317062378},{"word":"return","start":478.38,"end":478.7,"confidence":0.9998766,"punctuated_word":"return","sentiment":"neutral","sentiment_score":-0.07210482656955719},{"word":"in","start":478.7,"end":478.94,"confidence":0.9985703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13016727566719055},{"word":"five","start":478.94,"end":479.18002,"confidence":0.9995844,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.06960225850343704},{"word":"to","start":479.18002,"end":479.26,"confidence":0.97756904,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07176129519939423},{"word":"ten","start":479.26,"end":479.5,"confidence":0.99982846,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.002147708088159561},{"word":"years'","start":479.5,"end":479.82,"confidence":0.81806344,"punctuated_word":"years'","sentiment":"neutral","sentiment_score":0.0351552851498127},{"word":"time","start":479.82,"end":480.30002,"confidence":0.9978038,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.04918927326798439},{"word":"it","start":480.30002,"end":480.54,"confidence":0.999281,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1498388648033142},{"word":"just","start":480.54,"end":480.7,"confidence":0.999683,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10833215713500977},{"word":"shows","start":480.7,"end":480.94,"confidence":0.9998574,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.13133394718170166},{"word":"you","start":480.94,"end":481.18002,"confidence":0.9948184,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1712019145488739},{"word":"if","start":481.18002,"end":481.26,"confidence":0.94310325,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19186094403266907},{"word":"the","start":481.26,"end":481.5,"confidence":0.9808904,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13179706037044525},{"word":"markets","start":481.5,"end":481.90002,"confidence":0.78559124,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.17317208647727966},{"word":"perform","start":481.90002,"end":482.30002,"confidence":0.89369327,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":0.20743168890476227},{"word":"the","start":482.30002,"end":482.38,"confidence":0.9991328,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2117592096328735},{"word":"exact","start":482.38,"end":482.7,"confidence":0.99945265,"punctuated_word":"exact","sentiment":"neutral","sentiment_score":0.1657373607158661},{"word":"same","start":482.7,"end":482.86002,"confidence":0.9970374,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.24145756661891937},{"word":"for","start":482.86002,"end":482.94,"confidence":0.961711,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16651754081249237},{"word":"the","start":482.94,"end":483.02002,"confidence":0.9631512,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17255863547325134},{"word":"next","start":483.02002,"end":483.26,"confidence":0.999617,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.09385617822408676},{"word":"three","start":483.26,"end":483.42,"confidence":0.94727415,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.13285093009471893},{"word":"years","start":483.42,"end":483.5,"confidence":0.89685905,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.20760610699653623},{"word":"as","start":483.5,"end":483.66,"confidence":0.95460147,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20515376329421997},{"word":"they","start":483.66,"end":483.82,"confidence":0.9985368,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.13490521907806396},{"word":"did","start":483.82,"end":483.98,"confidence":0.9987602,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.0901365727186203},{"word":"the","start":483.98,"end":484.06003,"confidence":0.9790187,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10082610696554184},{"word":"past","start":484.06003,"end":484.30002,"confidence":0.9970692,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.10606677830219267},{"word":"three","start":484.30002,"end":484.46002,"confidence":0.9971312,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.056122928857803345},{"word":"years","start":484.46002,"end":484.7,"confidence":0.89013547,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.10429133474826811},{"word":"that's","start":484.7,"end":484.86002,"confidence":0.99957895,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08027338981628418},{"word":"what","start":484.86002,"end":485.02002,"confidence":0.9997578,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05716696381568909},{"word":"it","start":485.02002,"end":485.18002,"confidence":0.99976903,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0484352633357048},{"word":"might","start":485.18002,"end":485.34003,"confidence":0.999851,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.02763412892818451},{"word":"look","start":485.34003,"end":485.5,"confidence":0.99962664,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09069794416427612},{"word":"like","start":485.5,"end":486.0,"confidence":0.9966114,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.04424307495355606},{"word":"year","start":486.06,"end":486.30002,"confidence":0.9864716,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.09022104740142822},{"word":"on","start":486.30002,"end":486.46002,"confidence":0.9989298,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12909528613090515},{"word":"year","start":486.46002,"end":486.96002,"confidence":0.99770105,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.09308546036481856},{"word":"do","start":490.135,"end":490.29498,"confidence":0.9895169,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0019249208271503448},{"word":"you","start":490.29498,"end":490.455,"confidence":0.9997732,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017933253198862076},{"word":"have","start":490.455,"end":490.615,"confidence":0.9994585,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.006907984614372253},{"word":"any","start":490.615,"end":490.85498,"confidence":0.99930716,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.00351116806268692},{"word":"questions","start":490.85498,"end":491.335,"confidence":0.9994815,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.008313409984111786},{"word":"in","start":491.335,"end":491.495,"confidence":0.99959975,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.017339427024126053},{"word":"regards","start":491.495,"end":491.815,"confidence":0.99811894,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.007291316986083984},{"word":"to","start":491.815,"end":492.135,"confidence":0.99950445,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007066156715154648},{"word":"the","start":492.135,"end":492.215,"confidence":0.9955226,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013162892311811447},{"word":"superannuation","start":492.215,"end":492.715,"confidence":0.9911149,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.01440277136862278},{"word":"side","start":492.85498,"end":493.095,"confidence":0.9928149,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.03255980834364891},{"word":"of","start":493.095,"end":493.175,"confidence":0.999383,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02289426699280739},{"word":"things","start":493.175,"end":493.415,"confidence":0.9997285,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.02963215857744217},{"word":"or","start":493.415,"end":493.495,"confidence":0.6266044,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02402268722653389},{"word":"that","start":493.495,"end":493.655,"confidence":0.99864846,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.030200768262147903},{"word":"investment","start":493.655,"end":494.135,"confidence":0.9995426,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.023645471781492233},{"word":"change","start":494.135,"end":494.635,"confidence":0.99871325,"punctuated_word":"change?","sentiment":"neutral","sentiment_score":-0.01963714510202408},{"word":"happy","start":497.415,"end":497.915,"confidence":0.8585516,"punctuated_word":"Happy.","sentiment":"neutral","sentiment_score":-0.09481891989707948},{"word":"in","start":499.095,"end":499.415,"confidence":0.952138,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.009531356394290924},{"word":"regards","start":499.415,"end":499.815,"confidence":0.9990748,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.023192033171653748},{"word":"to","start":499.815,"end":500.055,"confidence":0.9963152,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05460325628519058},{"word":"the","start":500.055,"end":500.215,"confidence":0.9983889,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07845497131347656},{"word":"beneficiary","start":500.215,"end":500.695,"confidence":0.998985,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.11518239974975586},{"word":"nominations","start":500.695,"end":501.195,"confidence":0.9984678,"punctuated_word":"nominations,","sentiment":"neutral","sentiment_score":0.09673047065734865},{"word":"we","start":501.255,"end":501.415,"confidence":0.99218833,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08979032188653946},{"word":"are","start":501.415,"end":501.655,"confidence":0.99405825,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08338110148906708},{"word":"recommending","start":501.655,"end":502.135,"confidence":0.9974533,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.13894712924957275},{"word":"that","start":502.135,"end":502.44,"confidence":0.9591475,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11935216188430786},{"word":"set","start":502.44,"end":502.68,"confidence":0.99835545,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.09165839105844498},{"word":"up","start":502.68,"end":502.84,"confidence":0.99986327,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.11011959612369536},{"word":"a","start":502.84,"end":502.92,"confidence":0.99969995,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12102586030960084},{"word":"will","start":502.92,"end":503.32,"confidence":0.99902177,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09353642165660858},{"word":"and","start":503.32,"end":503.56,"confidence":0.9624375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10264936834573746},{"word":"then","start":503.56,"end":503.8,"confidence":0.99901104,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0879729688167572},{"word":"establish","start":503.8,"end":504.28,"confidence":0.99908066,"punctuated_word":"establish","sentiment":"neutral","sentiment_score":0.08030702918767929},{"word":"a","start":504.28,"end":504.44,"confidence":0.99756575,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.105350524187088},{"word":"binding","start":504.44,"end":504.76,"confidence":0.99864215,"punctuated_word":"binding","sentiment":"neutral","sentiment_score":0.10517309606075288},{"word":"nomination","start":504.76,"end":505.26,"confidence":0.99992466,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.11204865574836732},{"word":"to","start":505.32,"end":505.48,"confidence":0.99985707,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11461162567138672},{"word":"your","start":505.48,"end":505.56,"confidence":0.99545175,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0917196199297905},{"word":"legal","start":505.56,"end":505.88,"confidence":0.99968576,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.07539910823106766},{"word":"personal","start":505.88,"end":506.28,"confidence":0.7153402,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.06637156754732132},{"word":"representative","start":506.28,"end":506.68,"confidence":0.9253229,"punctuated_word":"representative,","sentiment":"neutral","sentiment_score":0.10484473407268524},{"word":"which","start":506.68,"end":506.84,"confidence":0.9999161,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1354914903640747},{"word":"will","start":506.84,"end":507.0,"confidence":0.9989518,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12055626511573792},{"word":"go","start":507.0,"end":507.24,"confidence":0.9997602,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12154076993465424},{"word":"to","start":507.24,"end":507.32,"confidence":0.9976043,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12754639983177185},{"word":"your","start":507.32,"end":507.56,"confidence":0.9994143,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10336445271968842},{"word":"estate","start":507.56,"end":508.06,"confidence":0.9368062,"punctuated_word":"estate.","sentiment":"neutral","sentiment_score":0.1018642634153366},{"word":"that's","start":508.28,"end":508.52,"confidence":0.9968121,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15758967399597168},{"word":"just","start":508.52,"end":508.68,"confidence":0.9985253,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1860782653093338},{"word":"given","start":508.68,"end":508.92,"confidence":0.9937509,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.18468719720840457},{"word":"the","start":508.92,"end":509.0,"confidence":0.9988142,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2112254947423935},{"word":"fact","start":509.0,"end":509.16,"confidence":0.99993706,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":0.2180844098329544},{"word":"that","start":509.16,"end":509.32,"confidence":0.9995876,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24704256653785703},{"word":"you","start":509.32,"end":509.48,"confidence":0.9997881,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22670245170593264},{"word":"do","start":509.48,"end":509.64,"confidence":0.99935395,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21589696407318115},{"word":"wanna","start":509.64,"end":509.88,"confidence":0.8914342,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.24367041885852816},{"word":"nominate","start":509.88,"end":510.28,"confidence":0.8530105,"punctuated_word":"nominate,","sentiment":"neutral","sentiment_score":0.1768685281276703},{"word":"like","start":510.28,"end":510.52,"confidence":0.9628439,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.16374365985393524},{"word":"sisters","start":510.52,"end":511.02,"confidence":0.9747928,"punctuated_word":"sisters,","sentiment":"neutral","sentiment_score":0.17356404662132263},{"word":"mothers","start":511.16,"end":511.66,"confidence":0.96585613,"punctuated_word":"mothers,","sentiment":"neutral","sentiment_score":0.1815093457698822},{"word":"you","start":511.96,"end":512.12,"confidence":0.89874154,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14080198109149933},{"word":"know","start":512.12,"end":512.36,"confidence":0.99957013,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1548822522163391},{"word":"father","start":512.36,"end":512.6,"confidence":0.9081611,"punctuated_word":"father,","sentiment":"neutral","sentiment_score":0.17087970674037933},{"word":"things","start":512.6,"end":512.84,"confidence":0.99862266,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.16566044092178345},{"word":"like","start":512.84,"end":513.0,"confidence":0.9995648,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10434317588806152},{"word":"that","start":513.0,"end":513.5,"confidence":0.97820854,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1795160174369812},{"word":"it","start":513.56,"end":513.72003,"confidence":0.9878874,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2285728454589844},{"word":"just","start":513.72003,"end":513.96,"confidence":0.9994349,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3316326141357422},{"word":"means","start":513.96,"end":514.2,"confidence":0.9997187,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.2847287654876709},{"word":"that","start":514.2,"end":514.36,"confidence":0.9923678,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33536744117736816},{"word":"the","start":514.36,"end":514.6,"confidence":0.99643975,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.41066375374794006},{"word":"nomination","start":514.6,"end":515.1,"confidence":0.93708295,"punctuated_word":"nomination","sentiment":"positive","sentiment_score":0.3348487615585327},{"word":"would","start":515.24,"end":515.4,"confidence":0.9995988,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.3601911664009094},{"word":"be","start":515.4,"end":515.56,"confidence":0.99989974,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.30417758226394653},{"word":"valid","start":515.56,"end":516.06,"confidence":0.99983895,"punctuated_word":"valid.","sentiment":"neutral","sentiment_score":0.2748942971229553},{"word":"now","start":516.415,"end":516.735,"confidence":0.9998109,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.18747739493846893},{"word":"the","start":516.735,"end":516.895,"confidence":0.9934464,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1912939250469208},{"word":"options","start":516.895,"end":517.295,"confidence":0.9986713,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.12191740423440932},{"word":"for","start":517.295,"end":517.41504,"confidence":0.99957985,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1520114541053772},{"word":"a","start":517.41504,"end":517.53503,"confidence":0.9936063,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15971039235591888},{"word":"will","start":517.53503,"end":517.855,"confidence":0.75561285,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.1505679190158844},{"word":"there","start":517.855,"end":518.175,"confidence":0.6684604,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13681405782699585},{"word":"there","start":518.175,"end":518.415,"confidence":0.9876873,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12579958140850067},{"word":"are","start":518.415,"end":518.575,"confidence":0.99198335,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10833515226840972},{"word":"post","start":518.575,"end":518.815,"confidence":0.99795556,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.043936535716056824},{"word":"office","start":518.815,"end":519.135,"confidence":0.9950421,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.07332439720630646},{"word":"wills","start":519.135,"end":519.375,"confidence":0.34360373,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":0.09890954941511154},{"word":"out","start":519.375,"end":519.53503,"confidence":0.9992335,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.08990908414125443},{"word":"there","start":519.53503,"end":519.775,"confidence":0.99914277,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10493718087673189},{"word":"that","start":519.775,"end":519.855,"confidence":0.9936365,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11919369548559187},{"word":"aren't","start":519.855,"end":520.09503,"confidence":0.9969802,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":0.1211061179637909},{"word":"the","start":520.09503,"end":520.175,"confidence":0.99921083,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07692980021238327},{"word":"most","start":520.175,"end":520.415,"confidence":0.9997061,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.12048136442899704},{"word":"ironclad","start":520.415,"end":520.915,"confidence":0.97476745,"punctuated_word":"ironclad","sentiment":"neutral","sentiment_score":0.12802651524543762},{"word":"things","start":520.975,"end":521.295,"confidence":0.93156403,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.1271669566631317},{"word":"but","start":521.295,"end":521.615,"confidence":0.9912548,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1035461351275444},{"word":"they're","start":521.615,"end":521.935,"confidence":0.995381,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.1446127891540527},{"word":"generally","start":521.935,"end":522.335,"confidence":0.99696654,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.14577841758728027},{"word":"cheaper","start":522.335,"end":522.735,"confidence":0.7466278,"punctuated_word":"cheaper,","sentiment":"neutral","sentiment_score":0.12653273344039917},{"word":"or","start":522.735,"end":522.895,"confidence":0.9996643,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.15798979997634888},{"word":"you","start":522.895,"end":522.975,"confidence":0.9999213,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17963910102844238},{"word":"can","start":522.975,"end":523.135,"confidence":0.99969506,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14499834179878235},{"word":"go","start":523.135,"end":523.295,"confidence":0.99982774,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12981665134429932},{"word":"to","start":523.295,"end":523.455,"confidence":0.99935204,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13175086677074432},{"word":"a","start":523.455,"end":523.53503,"confidence":0.99712497,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14010559022426605},{"word":"solicitor","start":523.53503,"end":524.03503,"confidence":0.9999281,"punctuated_word":"solicitor","sentiment":"neutral","sentiment_score":0.12456417828798294},{"word":"that","start":524.335,"end":524.495,"confidence":0.9835488,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2394340932369232},{"word":"will","start":524.495,"end":524.735,"confidence":0.99978715,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2374364733695984},{"word":"help","start":524.735,"end":524.895,"confidence":0.99984,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.28310757875442505},{"word":"you","start":524.895,"end":525.055,"confidence":0.99958116,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2677852213382721},{"word":"prepare","start":525.055,"end":525.455,"confidence":0.9986092,"punctuated_word":"prepare","sentiment":"neutral","sentiment_score":0.24143192172050476},{"word":"a","start":525.455,"end":525.53503,"confidence":0.982748,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2405564934015274},{"word":"will","start":525.53503,"end":525.775,"confidence":0.77953315,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.252547025680542},{"word":"and","start":525.775,"end":525.935,"confidence":0.99965143,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24998269975185392},{"word":"then","start":525.935,"end":526.09503,"confidence":0.9999354,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2596595585346222},{"word":"you","start":526.09503,"end":526.175,"confidence":0.99983,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27165842056274414},{"word":"can","start":526.175,"end":526.335,"confidence":0.9998976,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21949830651283264},{"word":"set","start":526.335,"end":526.495,"confidence":0.9976992,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.2275148034095764},{"word":"up","start":526.495,"end":526.575,"confidence":0.999861,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2136014997959137},{"word":"your","start":526.575,"end":526.815,"confidence":0.9920183,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24623163044452667},{"word":"nominations","start":526.815,"end":527.215,"confidence":0.99761474,"punctuated_word":"nominations","sentiment":"neutral","sentiment_score":0.23519662022590637},{"word":"just","start":527.215,"end":527.375,"confidence":0.97412676,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.27646833658218384},{"word":"to","start":527.375,"end":527.53503,"confidence":0.9989189,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18333624303340912},{"word":"go","start":527.53503,"end":527.615,"confidence":0.9963237,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1735544055700302},{"word":"to","start":527.615,"end":527.695,"confidence":0.99397886,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16882264614105225},{"word":"your","start":527.695,"end":527.855,"confidence":0.7531546,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20139330625534055},{"word":"legal","start":527.855,"end":528.175,"confidence":0.9997428,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.1387600600719452},{"word":"person","start":528.175,"end":528.575,"confidence":0.8546193,"punctuated_word":"person","sentiment":"neutral","sentiment_score":0.13111338019371033},{"word":"representative","start":528.575,"end":529.075,"confidence":0.9965483,"punctuated_word":"representative.","sentiment":"neutral","sentiment_score":0.062430668622255325},{"word":"you","start":529.44,"end":529.6,"confidence":0.9993517,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.295655757188797},{"word":"can","start":529.6,"end":529.84,"confidence":0.9996092,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.33130666613578796},{"word":"preemptively","start":529.84,"end":530.34,"confidence":0.99715185,"punctuated_word":"preemptively","sentiment":"neutral","sentiment_score":0.2546936273574829},{"word":"fill","start":530.4,"end":530.56,"confidence":0.9995066,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.27039211988449097},{"word":"out","start":530.56,"end":530.72003,"confidence":0.99890995,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3431894779205322},{"word":"those","start":530.72003,"end":530.96,"confidence":0.9997546,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.31715619564056396},{"word":"forms","start":530.96,"end":531.28,"confidence":0.99864835,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.1716349720954895},{"word":"to","start":531.28,"end":531.52,"confidence":0.99072874,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2246020883321762},{"word":"legal","start":531.52,"end":531.84,"confidence":0.84048915,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.16264916956424713},{"word":"person","start":531.84,"end":532.16,"confidence":0.90120393,"punctuated_word":"person","sentiment":"neutral","sentiment_score":0.11492818593978882},{"word":"represent","start":532.16,"end":532.56,"confidence":0.62460035,"punctuated_word":"represent","sentiment":"neutral","sentiment_score":0.0724053680896759},{"word":"representative","start":532.8,"end":533.3,"confidence":0.986316,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.12238787114620207},{"word":"to","start":533.36,"end":533.44,"confidence":0.99805,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28502532839775085},{"word":"go","start":533.44,"end":533.6,"confidence":0.9995906,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.23681092262268064},{"word":"to","start":533.6,"end":533.76,"confidence":0.9949856,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26419806480407715},{"word":"your","start":533.76,"end":533.92,"confidence":0.9969989,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24127113819122312},{"word":"state","start":533.92,"end":534.42,"confidence":0.90985906,"punctuated_word":"state.","sentiment":"neutral","sentiment_score":0.2572299838066101},{"word":"it","start":534.56,"end":534.8,"confidence":0.67799675,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.28614717721939087},{"word":"just","start":534.8,"end":535.04,"confidence":0.9992428,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2382473349571228},{"word":"means","start":535.04,"end":535.2,"confidence":0.9996388,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.2053649425506592},{"word":"that","start":535.2,"end":535.36,"confidence":0.9427934,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3302963078022003},{"word":"you","start":535.36,"end":535.44,"confidence":0.99885166,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3510213792324066},{"word":"need","start":535.44,"end":535.52,"confidence":0.99946326,"punctuated_word":"need","sentiment":"positive","sentiment_score":0.34514379501342773},{"word":"a","start":535.52,"end":535.6,"confidence":0.998445,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3304954767227173},{"word":"will","start":535.6,"end":535.84,"confidence":0.9685688,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.33483317494392395},{"word":"in","start":535.84,"end":535.92,"confidence":0.9981207,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2852625548839569},{"word":"place","start":535.92,"end":536.16,"confidence":0.9995548,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.3315499722957611},{"word":"to","start":536.16,"end":536.24,"confidence":0.999114,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3330705165863037},{"word":"be","start":536.24,"end":536.4,"confidence":0.99901235,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.27815431356430054},{"word":"able","start":536.4,"end":536.64,"confidence":0.9927539,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.3670419454574585},{"word":"to","start":536.64,"end":536.72003,"confidence":0.991812,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4097205102443695},{"word":"distribute","start":536.72003,"end":537.12,"confidence":0.99755496,"punctuated_word":"distribute","sentiment":"positive","sentiment_score":0.3426190912723541},{"word":"those","start":537.12,"end":537.36,"confidence":0.9984854,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.330272912979126},{"word":"funds","start":537.36,"end":537.6,"confidence":0.9989778,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.2754315435886383},{"word":"per","start":537.6,"end":537.76,"confidence":0.90216565,"punctuated_word":"per","sentiment":"positive","sentiment_score":0.4424582719802856},{"word":"your","start":537.76,"end":537.92,"confidence":0.99061817,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3736398220062256},{"word":"wishes","start":537.92,"end":538.32,"confidence":0.8232423,"punctuated_word":"wishes,","sentiment":"neutral","sentiment_score":0.3331962525844574},{"word":"if","start":538.32,"end":538.48,"confidence":0.97435105,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.40934839844703674},{"word":"that","start":538.48,"end":538.56,"confidence":0.99224997,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3403819501399994},{"word":"makes","start":538.56,"end":538.8,"confidence":0.8867217,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.2690233290195465},{"word":"sense","start":538.8,"end":539.3,"confidence":0.9631494,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.2276269793510437},{"word":"now","start":541.2,"end":541.36,"confidence":0.948846,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.41958746314048767},{"word":"that","start":541.36,"end":541.44,"confidence":0.96407664,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3979562520980835},{"word":"could","start":541.44,"end":541.6,"confidence":0.97607523,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.3892306685447693},{"word":"change","start":541.6,"end":541.84,"confidence":0.9921572,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.43161019682884216},{"word":"in","start":541.84,"end":542.0,"confidence":0.7850846,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4410595297813415},{"word":"the","start":542.0,"end":542.08,"confidence":0.8965061,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.45025670528411865},{"word":"future","start":542.08,"end":542.295,"confidence":0.7665129,"punctuated_word":"future","sentiment":"positive","sentiment_score":0.444059282541275},{"word":"if","start":542.295,"end":542.45496,"confidence":0.9944037,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.500062108039856},{"word":"you","start":542.45496,"end":542.615,"confidence":0.99928313,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.46279358863830566},{"word":"had","start":542.615,"end":542.695,"confidence":0.9953335,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.408329963684082},{"word":"a","start":542.695,"end":542.77496,"confidence":0.99630105,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.38803550601005554},{"word":"spouse","start":542.77496,"end":543.27496,"confidence":0.9999131,"punctuated_word":"spouse","sentiment":"positive","sentiment_score":0.3653964698314667},{"word":"in","start":543.495,"end":543.575,"confidence":0.80956376,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4728204011917114},{"word":"a","start":543.575,"end":543.735,"confidence":0.99756134,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.45128974318504333},{"word":"year's","start":543.735,"end":543.975,"confidence":0.9876859,"punctuated_word":"year's","sentiment":"positive","sentiment_score":0.3617669045925141},{"word":"time","start":543.975,"end":544.135,"confidence":0.9997614,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4021846055984497},{"word":"and","start":544.135,"end":544.295,"confidence":0.8271925,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4740641713142395},{"word":"you","start":544.295,"end":544.45496,"confidence":0.99981934,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5337134599685669},{"word":"do","start":544.45496,"end":544.615,"confidence":0.99984217,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.41975343227386475},{"word":"wanna","start":544.615,"end":544.855,"confidence":0.91878366,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.5257229208946228},{"word":"nominate","start":544.855,"end":545.255,"confidence":0.9987018,"punctuated_word":"nominate","sentiment":"positive","sentiment_score":0.473182737827301},{"word":"them","start":545.255,"end":545.495,"confidence":0.8204305,"punctuated_word":"them.","sentiment":"positive","sentiment_score":0.3817110061645508},{"word":"that's","start":545.495,"end":545.735,"confidence":0.9912262,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6099203824996948},{"word":"more","start":545.735,"end":545.975,"confidence":0.99969435,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.6976092457771301},{"word":"than","start":545.975,"end":546.135,"confidence":0.9997104,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.6744229197502136},{"word":"fine","start":546.135,"end":546.295,"confidence":0.9926734,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.5298799872398376},{"word":"you","start":546.295,"end":546.375,"confidence":0.998195,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.44039586186409},{"word":"just","start":546.375,"end":546.535,"confidence":0.9980446,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4240189492702484},{"word":"fill","start":546.535,"end":546.77496,"confidence":0.9985253,"punctuated_word":"fill","sentiment":"positive","sentiment_score":0.4808325171470642},{"word":"out","start":546.77496,"end":546.855,"confidence":0.99094814,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4967045485973358},{"word":"the","start":546.855,"end":546.935,"confidence":0.9989907,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4559077322483063},{"word":"form","start":546.935,"end":547.175,"confidence":0.9998192,"punctuated_word":"form","sentiment":"positive","sentiment_score":0.3536807894706726},{"word":"and","start":547.175,"end":547.33496,"confidence":0.9952089,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3191249370574951},{"word":"change","start":547.33496,"end":547.575,"confidence":0.9939825,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.41333648562431335},{"word":"it","start":547.575,"end":547.65497,"confidence":0.9976434,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3544034957885742},{"word":"to","start":547.65497,"end":547.815,"confidence":0.995018,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.39250320196151733},{"word":"your","start":547.815,"end":547.975,"confidence":0.9991061,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4194561839103699},{"word":"spouse","start":547.975,"end":548.475,"confidence":0.99387264,"punctuated_word":"spouse.","sentiment":"positive","sentiment_score":0.3956247866153717},{"word":"that's","start":548.935,"end":549.175,"confidence":0.9802122,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6186122894287109},{"word":"no","start":549.175,"end":549.415,"confidence":0.98941666,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.534326434135437},{"word":"problem","start":549.415,"end":549.735,"confidence":0.99985325,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.567118227481842},{"word":"at","start":549.735,"end":549.89496,"confidence":0.9999045,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.6148490905761719},{"word":"all","start":549.89496,"end":550.39496,"confidence":0.999629,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.5773963928222656},{"word":"obviously","start":550.935,"end":551.435,"confidence":0.98812646,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.11917710304260254},{"word":"going","start":551.495,"end":551.735,"confidence":0.9996006,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.05341476202011109},{"word":"to","start":551.735,"end":552.21497,"confidence":0.99907386,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09714137017726898},{"word":"your","start":552.21497,"end":552.45496,"confidence":0.990672,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04441085457801819},{"word":"estate","start":552.45496,"end":552.855,"confidence":0.94910896,"punctuated_word":"estate,","sentiment":"neutral","sentiment_score":-0.012253716588020325},{"word":"there","start":552.855,"end":553.01495,"confidence":0.99985087,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.06133336573839187},{"word":"is","start":553.01495,"end":553.175,"confidence":0.9958032,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06582523882389069},{"word":"a","start":553.175,"end":553.255,"confidence":0.99950385,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.032896216958761215},{"word":"little","start":553.255,"end":553.495,"confidence":0.99993503,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.016271628439426422},{"word":"bit","start":553.495,"end":553.65497,"confidence":0.9999418,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04791881889104843},{"word":"of","start":553.65497,"end":553.735,"confidence":0.9998884,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05554173141717911},{"word":"a","start":553.735,"end":553.815,"confidence":0.99968684,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07622765004634857},{"word":"different","start":553.815,"end":554.21497,"confidence":0.99973816,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.14759403467178345},{"word":"tack","start":554.21497,"end":554.45496,"confidence":0.44109106,"punctuated_word":"tack","sentiment":"neutral","sentiment_score":-0.1260584443807602},{"word":"as","start":554.45496,"end":554.535,"confidence":0.5791412,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.10898243635892868},{"word":"to","start":554.535,"end":554.695,"confidence":0.99574006,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10423799604177476},{"word":"where","start":554.695,"end":555.01495,"confidence":0.9984314,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.12809142470359802},{"word":"it","start":555.01495,"end":555.175,"confidence":0.99276733,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11703923344612122},{"word":"goes","start":555.175,"end":555.415,"confidence":0.9992611,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.08004676550626755},{"word":"to","start":555.415,"end":555.65497,"confidence":0.9990472,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05745662748813629},{"word":"individuals","start":555.65497,"end":556.15497,"confidence":0.9974033,"punctuated_word":"individuals","sentiment":"neutral","sentiment_score":-0.02180829644203186},{"word":"that","start":556.21497,"end":556.375,"confidence":0.9996685,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.128167986869812},{"word":"may","start":556.375,"end":556.535,"confidence":0.9868341,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.1387033462524414},{"word":"be","start":556.535,"end":556.695,"confidence":0.9994727,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1741841733455658},{"word":"taxed","start":556.695,"end":557.195,"confidence":0.987409,"punctuated_word":"taxed.","sentiment":"neutral","sentiment_score":-0.07294182479381561},{"word":"so","start":557.415,"end":557.915,"confidence":0.99941945,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.009747922420501707},{"word":"given","start":558.02,"end":558.26,"confidence":0.99874145,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.03699788451194763},{"word":"that","start":558.26,"end":558.76,"confidence":0.9996649,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00946272909641266},{"word":"it's","start":559.46,"end":559.78,"confidence":0.9937973,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04174184054136276},{"word":"going","start":559.78,"end":560.02,"confidence":0.99987686,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.09802043437957764},{"word":"to","start":560.02,"end":560.18,"confidence":0.997938,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14305204153060913},{"word":"your","start":560.18,"end":560.42,"confidence":0.99898034,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13178062438964844},{"word":"estate","start":560.42,"end":560.66,"confidence":0.56464416,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.05504028499126434},{"word":"there","start":560.66,"end":561.16,"confidence":0.9909283,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.08913855999708176},{"word":"the","start":561.62,"end":561.78,"confidence":0.670536,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20049139857292175},{"word":"benefit","start":561.78,"end":562.18,"confidence":0.9997782,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.14830641448497772},{"word":"of","start":562.18,"end":562.34,"confidence":0.9995788,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.34231817722320557},{"word":"that","start":562.34,"end":562.58,"confidence":0.99993634,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3319193720817566},{"word":"is","start":562.58,"end":562.82,"confidence":0.999783,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2638458013534546},{"word":"you","start":562.82,"end":562.98,"confidence":0.98005027,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28351518511772156},{"word":"don't","start":562.98,"end":563.22003,"confidence":0.99995893,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.1328024864196777},{"word":"get","start":563.22003,"end":563.46,"confidence":0.99979097,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05584658682346344},{"word":"the","start":563.46,"end":563.7,"confidence":0.99963665,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08906117081642151},{"word":"the","start":563.7,"end":563.86,"confidence":0.9586149,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014009937644004822},{"word":"medicare","start":563.86,"end":564.26,"confidence":0.9839453,"punctuated_word":"Medicare","sentiment":"neutral","sentiment_score":-0.1050206869840622},{"word":"levy","start":564.26,"end":564.76,"confidence":0.9173338,"punctuated_word":"levy,","sentiment":"neutral","sentiment_score":0.01567840576171875},{"word":"but","start":564.9,"end":565.14,"confidence":0.90395087,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03749778866767883},{"word":"you","start":565.14,"end":565.22003,"confidence":0.9997466,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08064742386341095},{"word":"still","start":565.22003,"end":565.7,"confidence":0.9997701,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.14023855328559875},{"word":"do","start":565.7,"end":565.94,"confidence":0.9994511,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10380952060222626},{"word":"get","start":565.94,"end":566.26,"confidence":0.99857545,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05500935018062592},{"word":"a","start":566.26,"end":566.5,"confidence":0.9984426,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03673284500837326},{"word":"a","start":566.5,"end":566.58,"confidence":0.7799597,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.029896534979343414},{"word":"little","start":566.58,"end":566.82,"confidence":0.9990188,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.06780761480331421},{"word":"bit","start":566.82,"end":566.98,"confidence":0.99983895,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.13276469707489014},{"word":"of","start":566.98,"end":567.14,"confidence":0.99964595,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16218481957912445},{"word":"tax","start":567.14,"end":567.46,"confidence":0.9866001,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.005386799573898315},{"word":"there","start":567.46,"end":567.96,"confidence":0.9941665,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.09278464317321776},{"word":"when","start":568.18,"end":568.34,"confidence":0.9803403,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0399673730134964},{"word":"going","start":568.34,"end":568.58,"confidence":0.9999523,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.042140498757362366},{"word":"there","start":568.58,"end":568.74,"confidence":0.99955946,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.01371079683303833},{"word":"as","start":568.74,"end":568.9,"confidence":0.9890297,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0022609978914260864},{"word":"opposed","start":568.9,"end":569.22003,"confidence":0.999338,"punctuated_word":"opposed","sentiment":"neutral","sentiment_score":-0.07431336492300034},{"word":"to","start":569.22003,"end":569.38,"confidence":0.9994165,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08788414299488068},{"word":"having","start":569.38,"end":569.7,"confidence":0.9998908,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.1627328097820282},{"word":"a","start":569.7,"end":569.78,"confidence":0.99744844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08773361146450043},{"word":"dependent","start":569.78,"end":570.28,"confidence":0.97940993,"punctuated_word":"dependent.","sentiment":"neutral","sentiment_score":-0.09750279039144516},{"word":"but","start":570.615,"end":570.855,"confidence":0.996296,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03840704262256622},{"word":"given","start":570.855,"end":571.095,"confidence":0.6893829,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.05681879073381424},{"word":"even","start":571.095,"end":571.255,"confidence":0.4903328,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.04849892109632492},{"word":"if","start":571.255,"end":571.335,"confidence":0.98635465,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.025587741285562515},{"word":"you","start":571.335,"end":571.415,"confidence":0.99870443,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004063203930854797},{"word":"had","start":571.415,"end":571.575,"confidence":0.95896304,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.07801710069179535},{"word":"an","start":571.575,"end":571.655,"confidence":0.99370354,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.034841448068618774},{"word":"independent","start":571.655,"end":572.155,"confidence":0.8033987,"punctuated_word":"independent","sentiment":"neutral","sentiment_score":-0.11410538852214812},{"word":"relationship","start":572.295,"end":572.795,"confidence":0.9781615,"punctuated_word":"relationship,","sentiment":"neutral","sentiment_score":-0.09815673530101776},{"word":"that","start":572.935,"end":573.255,"confidence":0.9986305,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15077948570251465},{"word":"adult","start":573.255,"end":573.655,"confidence":0.99960715,"punctuated_word":"adult","sentiment":"neutral","sentiment_score":-0.27972978353500366},{"word":"is","start":573.655,"end":573.815,"confidence":0.9998673,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1335592269897461},{"word":"likely","start":573.815,"end":574.215,"confidence":0.99992347,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":-0.05807478725910187},{"word":"to","start":574.215,"end":574.375,"confidence":0.9996222,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.005244255065917969},{"word":"be","start":574.375,"end":574.855,"confidence":0.999856,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07628105580806732},{"word":"taxed","start":574.855,"end":575.175,"confidence":0.9970536,"punctuated_word":"taxed","sentiment":"neutral","sentiment_score":-0.0711018368601799},{"word":"even","start":575.175,"end":575.415,"confidence":0.96670336,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.0760044977068901},{"word":"if","start":575.415,"end":575.495,"confidence":0.9997435,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0006470084190368652},{"word":"they","start":575.495,"end":575.655,"confidence":0.9987698,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.016420990228652954},{"word":"saw","start":575.655,"end":575.895,"confidence":0.9933535,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.06826668977737427},{"word":"that","start":575.895,"end":575.975,"confidence":0.9993298,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012035772204399107},{"word":"as","start":575.975,"end":576.135,"confidence":0.8474037,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03362613916397095},{"word":"an","start":576.135,"end":576.295,"confidence":0.9990483,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0913090705871582},{"word":"interdependent","start":576.295,"end":576.795,"confidence":0.86694324,"punctuated_word":"interdependent","sentiment":"neutral","sentiment_score":0.08038382977247238},{"word":"relationship","start":576.935,"end":577.415,"confidence":0.90192735,"punctuated_word":"relationship,","sentiment":"neutral","sentiment_score":0.07907342910766602},{"word":"if","start":577.415,"end":577.575,"confidence":0.9965405,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16005493700504303},{"word":"that","start":577.575,"end":577.735,"confidence":0.9999409,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12075484544038773},{"word":"makes","start":577.735,"end":577.895,"confidence":0.9655384,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.05551096051931381},{"word":"sense","start":577.895,"end":578.395,"confidence":0.89969087,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.05460868030786514},{"word":"yep","start":580.215,"end":580.695,"confidence":0.98190975,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14937035739421844},{"word":"and","start":580.695,"end":580.855,"confidence":0.9528649,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13485845923423767},{"word":"then","start":580.855,"end":581.175,"confidence":0.9995407,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1308210790157318},{"word":"if","start":581.175,"end":581.335,"confidence":0.9954373,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10883860290050508},{"word":"it's","start":581.335,"end":581.655,"confidence":0.9998503,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06958582997322083},{"word":"a","start":581.655,"end":581.815,"confidence":0.966771,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07543575763702393},{"word":"nondepen","start":581.815,"end":582.315,"confidence":0.5323935,"punctuated_word":"nondepen","sentiment":"neutral","sentiment_score":-0.005452360026538372},{"word":"tax","start":582.59,"end":582.91003,"confidence":0.998976,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.05946978181600571},{"word":"dependent","start":582.91003,"end":583.39,"confidence":0.9982546,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":0.04846566915512085},{"word":"such","start":583.39,"end":583.63,"confidence":0.7157722,"punctuated_word":"such","sentiment":"neutral","sentiment_score":0.0671621635556221},{"word":"as","start":583.63,"end":583.87,"confidence":0.8451127,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.11461956799030304},{"word":"like","start":583.87,"end":584.03,"confidence":0.9957148,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08937323093414307},{"word":"an","start":584.03,"end":584.27,"confidence":0.820363,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0853627473115921},{"word":"adult","start":584.27,"end":584.51,"confidence":0.9974419,"punctuated_word":"adult","sentiment":"neutral","sentiment_score":0.02723829448223114},{"word":"that","start":584.51,"end":584.67,"confidence":0.9835353,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08011297881603241},{"word":"is","start":584.67,"end":584.83,"confidence":0.99107134,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07743028551340103},{"word":"independent","start":584.83,"end":585.31,"confidence":0.59949434,"punctuated_word":"independent","sentiment":"neutral","sentiment_score":0.054554522037506104},{"word":"relationship","start":585.31,"end":585.71,"confidence":0.993449,"punctuated_word":"relationship,","sentiment":"neutral","sentiment_score":0.07814016193151474},{"word":"it","start":585.71,"end":585.79004,"confidence":0.9783433,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0731949731707573},{"word":"would","start":585.79004,"end":585.95,"confidence":0.9856398,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.13587479293346405},{"word":"still","start":585.95,"end":586.19,"confidence":0.99929,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.13944995403289795},{"word":"be","start":586.19,"end":586.27,"confidence":0.9200202,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.07740508019924164},{"word":"like","start":586.27,"end":586.51,"confidence":0.9994048,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08760657906532288},{"word":"15%","start":586.51,"end":587.07,"confidence":0.98383445,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.12839427590370178},{"word":"super","start":587.07,"end":587.39,"confidence":0.9529958,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.19049888849258423},{"word":"tax","start":587.39,"end":587.63,"confidence":0.9268552,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1873963326215744},{"word":"and","start":587.63,"end":587.87,"confidence":0.89965713,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07936111092567444},{"word":"then","start":587.87,"end":588.27,"confidence":0.99965453,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1233116015791893},{"word":"2%","start":588.27,"end":588.83,"confidence":0.9844062,"punctuated_word":"2%","sentiment":"neutral","sentiment_score":0.10077722370624542},{"word":"medicare","start":588.83,"end":589.15,"confidence":0.9890805,"punctuated_word":"Medicare","sentiment":"neutral","sentiment_score":0.08010499179363251},{"word":"levy","start":589.15,"end":589.47003,"confidence":0.90334946,"punctuated_word":"levy","sentiment":"neutral","sentiment_score":0.10789643973112106},{"word":"for","start":589.47003,"end":589.63,"confidence":0.9995741,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0906263142824173},{"word":"that","start":589.63,"end":589.87,"confidence":0.99655896,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09860144555568696},{"word":"individual","start":589.87,"end":590.35004,"confidence":0.9998129,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":0.027153030037879944},{"word":"as","start":590.35004,"end":590.51,"confidence":0.98128957,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06860017031431198},{"word":"opposed","start":590.51,"end":590.91003,"confidence":0.9992673,"punctuated_word":"opposed","sentiment":"neutral","sentiment_score":-0.0035743191838264465},{"word":"to","start":590.91003,"end":590.99,"confidence":0.9976782,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02198372781276703},{"word":"going","start":590.99,"end":591.23,"confidence":0.99722004,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.0076564401388168335},{"word":"to","start":591.23,"end":591.31,"confidence":0.9921813,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023451566696166992},{"word":"your","start":591.31,"end":591.55,"confidence":0.9956404,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04144209623336792},{"word":"estate","start":591.55,"end":591.87,"confidence":0.55660915,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.023361288011074063},{"word":"there","start":591.87,"end":592.37,"confidence":0.9813609,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.014554575085639954},{"word":"i","start":594.43,"end":594.51,"confidence":0.24797642,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24424400925636292},{"word":"think","start":594.51,"end":595.01,"confidence":0.7924307,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.2724180817604065},{"word":"obviously","start":595.46497,"end":595.705,"confidence":0.98772,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.2853739261627197},{"word":"the","start":595.705,"end":595.785,"confidence":0.99970704,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39286869764328},{"word":"benefit","start":595.785,"end":596.185,"confidence":0.99965084,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.31094110012054443},{"word":"of","start":596.185,"end":596.265,"confidence":0.9993887,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4117323160171509},{"word":"setting","start":596.265,"end":596.505,"confidence":0.9991055,"punctuated_word":"setting","sentiment":"positive","sentiment_score":0.4138659536838531},{"word":"up","start":596.505,"end":596.585,"confidence":0.9995516,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3668031096458435},{"word":"a","start":596.585,"end":596.745,"confidence":0.9974649,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4193784296512604},{"word":"will","start":596.745,"end":596.985,"confidence":0.99519074,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.393452912569046},{"word":"is","start":596.985,"end":597.145,"confidence":0.90275073,"punctuated_word":"is,","sentiment":"positive","sentiment_score":0.34622952342033386},{"word":"like","start":597.145,"end":597.46497,"confidence":0.9970113,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.3055323362350464},{"word":"your","start":597.46497,"end":597.625,"confidence":0.98293823,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3484722971916199},{"word":"assets","start":597.625,"end":597.945,"confidence":0.963044,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.32122278213500977},{"word":"that","start":597.945,"end":598.105,"confidence":0.9995166,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3939288854598999},{"word":"you","start":598.105,"end":598.265,"confidence":0.99985564,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35641270875930786},{"word":"do","start":598.265,"end":598.505,"confidence":0.99996114,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3422147333621979},{"word":"hold","start":598.505,"end":598.985,"confidence":0.99951327,"punctuated_word":"hold","sentiment":"positive","sentiment_score":0.35724279284477234},{"word":"get","start":598.985,"end":599.225,"confidence":0.8264754,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3761409521102905},{"word":"distributed","start":599.225,"end":599.625,"confidence":0.8917375,"punctuated_word":"distributed","sentiment":"neutral","sentiment_score":0.31184864044189453},{"word":"per","start":599.625,"end":599.785,"confidence":0.92762053,"punctuated_word":"per","sentiment":"positive","sentiment_score":0.3926907777786255},{"word":"your","start":599.785,"end":599.945,"confidence":0.99609727,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.33299320936203003},{"word":"wishes","start":599.945,"end":600.345,"confidence":0.9993523,"punctuated_word":"wishes","sentiment":"neutral","sentiment_score":0.28841617703437805},{"word":"in","start":600.345,"end":600.505,"confidence":0.9658752,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2958484888076782},{"word":"addition","start":600.505,"end":600.825,"confidence":0.9998678,"punctuated_word":"addition","sentiment":"neutral","sentiment_score":0.24492694437503815},{"word":"to","start":600.825,"end":600.985,"confidence":0.9996172,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35690855979919434},{"word":"your","start":600.985,"end":601.145,"confidence":0.9304464,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3818302452564239},{"word":"superannuation","start":601.145,"end":601.645,"confidence":0.9935085,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.24953213334083557},{"word":"balances","start":602.345,"end":602.825,"confidence":0.9379659,"punctuated_word":"balances","sentiment":"positive","sentiment_score":0.3338518440723419},{"word":"should","start":602.825,"end":603.145,"confidence":0.6795396,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.34422847628593445},{"word":"anything","start":603.145,"end":603.545,"confidence":0.99949,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.35469430685043335},{"word":"happen","start":603.545,"end":604.045,"confidence":0.9982363,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":0.24956437945365903},{"word":"now","start":604.505,"end":604.825,"confidence":0.99941695,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.17977894842624664},{"word":"a","start":604.825,"end":604.985,"confidence":0.9751245,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14030274748802185},{"word":"power","start":604.985,"end":605.305,"confidence":0.9932848,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.13589002192020416},{"word":"of","start":605.305,"end":605.385,"confidence":0.99387276,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13313117623329165},{"word":"attorney","start":605.385,"end":605.885,"confidence":0.99963343,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.07250867784023285},{"word":"there","start":605.945,"end":606.105,"confidence":0.9834978,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0997520238161087},{"word":"the","start":606.185,"end":606.345,"confidence":0.99895525,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16447317600250244},{"word":"benefit","start":606.345,"end":606.745,"confidence":0.9995009,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.08519486337900162},{"word":"of","start":606.745,"end":606.825,"confidence":0.98426753,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15123513340950012},{"word":"power","start":606.825,"end":606.985,"confidence":0.9618751,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.1030564159154892},{"word":"of","start":606.985,"end":607.065,"confidence":0.9911725,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14522519707679749},{"word":"attorney","start":607.065,"end":607.385,"confidence":0.8811437,"punctuated_word":"attorney,","sentiment":"neutral","sentiment_score":0.13976582884788513},{"word":"if","start":607.385,"end":607.545,"confidence":0.9992292,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1783895343542099},{"word":"anything","start":607.545,"end":607.83,"confidence":0.99953234,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.15262828767299652},{"word":"did","start":607.83,"end":607.99,"confidence":0.9746157,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.09161904454231262},{"word":"happen","start":607.99,"end":608.15,"confidence":0.94226897,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.1071355938911438},{"word":"to","start":608.15,"end":608.23,"confidence":0.9909657,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09139122068881989},{"word":"where","start":608.23,"end":608.31,"confidence":0.9942061,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0009833276271820068},{"word":"you","start":608.31,"end":608.47003,"confidence":0.9985697,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05900334566831589},{"word":"were","start":608.47003,"end":608.87,"confidence":0.67680156,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.03557133674621582},{"word":"incapacitated","start":608.87,"end":609.37,"confidence":0.97749585,"punctuated_word":"incapacitated,","sentiment":"neutral","sentiment_score":0.08650483936071396},{"word":"there","start":609.51,"end":609.75,"confidence":0.9997547,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1977473646402359},{"word":"is","start":609.75,"end":609.91003,"confidence":0.99981624,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18708112835884097},{"word":"someone","start":609.91003,"end":610.15,"confidence":0.9998659,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.20691755414009097},{"word":"that","start":610.15,"end":610.27,"confidence":0.93686867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1990946978330612},{"word":"there","start":610.39,"end":610.63,"confidence":0.9965334,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.18270373344421387},{"word":"that","start":610.63,"end":610.87,"confidence":0.99107414,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1852454245090485},{"word":"might","start":610.87,"end":611.03,"confidence":0.9992957,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.20340222120285031},{"word":"be","start":611.03,"end":611.19,"confidence":0.9995067,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2702469229698181},{"word":"able","start":611.19,"end":611.27,"confidence":0.98648757,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2387545108795166},{"word":"to","start":611.27,"end":611.35004,"confidence":0.9957467,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24921926856040957},{"word":"make","start":611.35004,"end":611.67004,"confidence":0.9900271,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.28353700041770935},{"word":"financial","start":611.67004,"end":612.17004,"confidence":0.7600321,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.19538605213165283},{"word":"or","start":612.71,"end":612.95,"confidence":0.99687874,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1853092610836029},{"word":"medical","start":612.95,"end":613.43,"confidence":0.9996908,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":0.18182846903800964},{"word":"health","start":613.43,"end":613.75,"confidence":0.9944582,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.21293288469314575},{"word":"decisions","start":613.75,"end":614.23004,"confidence":0.99970466,"punctuated_word":"decisions","sentiment":"neutral","sentiment_score":0.2533324360847473},{"word":"for","start":614.23004,"end":614.47003,"confidence":0.9999386,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3541303277015686},{"word":"you","start":614.47003,"end":614.97003,"confidence":0.83154625,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2672097682952881},{"word":"if","start":615.27,"end":615.43,"confidence":0.9978344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2674401104450226},{"word":"you","start":615.43,"end":615.67004,"confidence":0.9985909,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29609984159469604},{"word":"do","start":615.67004,"end":615.83,"confidence":0.99140596,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21344216167926788},{"word":"set","start":615.83,"end":616.07,"confidence":0.98994434,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.2666550874710083},{"word":"up","start":616.07,"end":616.39,"confidence":0.9369972,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.26351359486579895},{"word":"like","start":616.39,"end":616.63,"confidence":0.741379,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.22518154978752136},{"word":"an","start":616.63,"end":616.79004,"confidence":0.98484325,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.23641394078731537},{"word":"advanced","start":616.79004,"end":617.19,"confidence":0.520473,"punctuated_word":"advanced","sentiment":"neutral","sentiment_score":0.17060905694961548},{"word":"health","start":617.19,"end":617.51,"confidence":0.9318644,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.17007194459438324},{"word":"care","start":617.51,"end":617.67004,"confidence":0.9739266,"punctuated_word":"care","sentiment":"neutral","sentiment_score":0.1384005844593048},{"word":"directive","start":617.67004,"end":618.15,"confidence":0.93374014,"punctuated_word":"directive,","sentiment":"neutral","sentiment_score":0.22104154527187347},{"word":"things","start":618.15,"end":618.31,"confidence":0.99922025,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.21887239813804624},{"word":"like","start":618.31,"end":618.47003,"confidence":0.9993129,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.12275934219360352},{"word":"that","start":618.47003,"end":618.87,"confidence":0.9054321,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.2660793662071228},{"word":"it","start":618.87,"end":619.03,"confidence":0.99166054,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.26409146189689636},{"word":"takes","start":619.03,"end":619.27,"confidence":0.9997888,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.2514503002166748},{"word":"a","start":619.27,"end":619.43,"confidence":0.9998098,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29719555377960205},{"word":"lot","start":619.43,"end":619.59,"confidence":0.99991167,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.20915569365024567},{"word":"of","start":619.59,"end":619.67004,"confidence":0.99969053,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29386192560195923},{"word":"the","start":619.67004,"end":619.83,"confidence":0.869915,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.264631450176239},{"word":"decisions","start":619.83,"end":620.33,"confidence":0.99966156,"punctuated_word":"decisions","sentiment":"neutral","sentiment_score":0.09555269777774812},{"word":"out","start":620.71,"end":620.95,"confidence":0.9099416,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1875203400850296},{"word":"of","start":620.95,"end":621.255,"confidence":0.9855014,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.25283122062683105},{"word":"like","start":621.255,"end":621.495,"confidence":0.99805415,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.29231297969818115},{"word":"your","start":621.495,"end":621.655,"confidence":0.99951184,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2897404432296753},{"word":"family's","start":621.655,"end":622.055,"confidence":0.99658847,"punctuated_word":"family's","sentiment":"neutral","sentiment_score":0.25859540700912476},{"word":"hands","start":622.055,"end":622.295,"confidence":0.6943702,"punctuated_word":"hands","sentiment":"neutral","sentiment_score":0.2181543260812759},{"word":"should","start":622.295,"end":622.455,"confidence":0.90745336,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.22432121634483335},{"word":"something","start":622.455,"end":622.775,"confidence":0.999767,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.1979025900363922},{"word":"go","start":622.775,"end":622.935,"confidence":0.99892586,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11113055050373076},{"word":"wrong","start":622.935,"end":623.09503,"confidence":0.9998011,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":0.12534688413143158},{"word":"if","start":623.09503,"end":623.255,"confidence":0.9488284,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.319150447845459},{"word":"you","start":623.255,"end":623.335,"confidence":0.9989459,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2503214478492737},{"word":"put","start":623.335,"end":623.495,"confidence":0.99868697,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.18759654462337497},{"word":"it","start":623.495,"end":623.575,"confidence":0.7312209,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1886167675256729},{"word":"on","start":623.575,"end":623.655,"confidence":0.99760544,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19996905326843264},{"word":"a","start":623.655,"end":623.735,"confidence":0.9988894,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2567633092403412},{"word":"piece","start":623.735,"end":623.975,"confidence":0.9988254,"punctuated_word":"piece","sentiment":"neutral","sentiment_score":0.18478187918663025},{"word":"of","start":623.975,"end":624.055,"confidence":0.99657,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21661445498466492},{"word":"paper","start":624.055,"end":624.295,"confidence":0.99787855,"punctuated_word":"paper","sentiment":"neutral","sentiment_score":0.1444704532623291},{"word":"form","start":624.295,"end":624.795,"confidence":0.69809693,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.14746375381946564},{"word":"in","start":624.935,"end":625.175,"confidence":0.43190646,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.27610719203948975},{"word":"addition","start":625.175,"end":625.495,"confidence":0.9994954,"punctuated_word":"addition","sentiment":"neutral","sentiment_score":0.21717633306980133},{"word":"to","start":625.495,"end":625.735,"confidence":0.9997762,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28864380717277527},{"word":"the","start":625.735,"end":625.895,"confidence":0.99987817,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35169845819473267},{"word":"fact","start":625.895,"end":626.135,"confidence":0.99986196,"punctuated_word":"fact","sentiment":"positive","sentiment_score":0.3747461140155792},{"word":"that","start":626.135,"end":626.375,"confidence":0.99968946,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3479973077774048},{"word":"it's","start":626.375,"end":626.695,"confidence":0.99959695,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3641822040081024},{"word":"able","start":626.695,"end":626.935,"confidence":0.9998317,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.39858514070510864},{"word":"to","start":626.935,"end":627.175,"confidence":0.9996822,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3819291293621063},{"word":"sort","start":627.175,"end":627.335,"confidence":0.9741425,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.34316200017929077},{"word":"of","start":627.335,"end":627.495,"confidence":0.87842286,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.383269876241684},{"word":"pay","start":627.495,"end":627.655,"confidence":0.99924695,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.2107061743736267},{"word":"bills","start":627.655,"end":627.975,"confidence":0.9992888,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":0.2680409550666809},{"word":"on","start":627.975,"end":628.135,"confidence":0.9755577,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.35651326179504395},{"word":"your","start":628.135,"end":628.295,"confidence":0.9998103,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.419516921043396},{"word":"behalf","start":628.295,"end":628.615,"confidence":0.99987614,"punctuated_word":"behalf","sentiment":"neutral","sentiment_score":0.3101924657821655},{"word":"and","start":628.615,"end":628.775,"confidence":0.99047476,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3649801015853882},{"word":"not","start":628.775,"end":629.015,"confidence":0.9997588,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.3208191394805908},{"word":"sort","start":629.015,"end":629.175,"confidence":0.9959468,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.14697593450546265},{"word":"of","start":629.175,"end":629.255,"confidence":0.6777094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2315049171447754},{"word":"have","start":629.255,"end":629.415,"confidence":0.9990294,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2680967450141907},{"word":"to","start":629.415,"end":629.495,"confidence":0.9987006,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1685931384563446},{"word":"go","start":629.495,"end":629.655,"confidence":0.9997862,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.002692669630050659},{"word":"through","start":629.655,"end":629.815,"confidence":0.72614956,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.10076485574245451},{"word":"the","start":629.815,"end":629.975,"confidence":0.99601305,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08290350437164307},{"word":"courts","start":629.975,"end":630.375,"confidence":0.9479446,"punctuated_word":"courts","sentiment":"neutral","sentiment_score":-0.010883688926696776},{"word":"to","start":630.375,"end":630.875,"confidence":0.999476,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27259525656700134},{"word":"to","start":630.935,"end":631.09503,"confidence":0.998692,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28186658024787903},{"word":"get","start":631.09503,"end":631.335,"confidence":0.9998832,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2550438642501831},{"word":"that","start":631.335,"end":631.835,"confidence":0.9991683,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22524431347846985},{"word":"if","start":631.895,"end":631.975,"confidence":0.5840696,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.35230594873428345},{"word":"you","start":631.975,"end":632.135,"confidence":0.9997589,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34941917657852173},{"word":"do","start":632.135,"end":632.295,"confidence":0.9999428,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2803152799606323},{"word":"have","start":632.295,"end":632.455,"confidence":0.9990571,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2975633144378662},{"word":"that","start":632.455,"end":632.615,"confidence":0.9999006,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23748084902763367},{"word":"in","start":632.615,"end":632.775,"confidence":0.999493,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24840658903121948},{"word":"conjunction","start":632.775,"end":633.175,"confidence":0.9999311,"punctuated_word":"conjunction","sentiment":"neutral","sentiment_score":0.2546289563179016},{"word":"with","start":633.175,"end":633.335,"confidence":0.99981266,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.25773492455482483},{"word":"the","start":633.335,"end":633.495,"confidence":0.75521994,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26245778799057007},{"word":"will","start":633.495,"end":633.93,"confidence":0.8808602,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.0029635727405548096},{"word":"if","start":634.08997,"end":634.33,"confidence":0.999298,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.13198459148406982},{"word":"anything","start":634.33,"end":634.57,"confidence":0.9997036,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.14627058804035187},{"word":"sort","start":634.57,"end":634.81,"confidence":0.98819774,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.18035173416137695},{"word":"of","start":634.81,"end":634.97,"confidence":0.9992792,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13463672995567322},{"word":"was","start":634.97,"end":635.13,"confidence":0.99295396,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1425219476222992},{"word":"to","start":635.13,"end":635.21,"confidence":0.9994172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1922675669193268},{"word":"happen","start":635.21,"end":635.52997,"confidence":0.9998165,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.2008611112833023},{"word":"where","start":635.52997,"end":635.77,"confidence":0.8999505,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.15522515773773193},{"word":"you're","start":635.77,"end":635.93,"confidence":0.9896445,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.19937114417552948},{"word":"unable","start":635.93,"end":636.33,"confidence":0.99946314,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.2468786984682083},{"word":"to","start":636.33,"end":636.41,"confidence":0.99949217,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3015791177749634},{"word":"make","start":636.41,"end":636.57,"confidence":0.9997036,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.244892418384552},{"word":"some","start":636.57,"end":636.81,"confidence":0.9986187,"punctuated_word":"some","sentiment":"negative","sentiment_score":-0.3546670079231262},{"word":"financial","start":636.81,"end":637.21,"confidence":0.9997559,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.25407683849334717},{"word":"decisions","start":637.21,"end":637.61,"confidence":0.9978916,"punctuated_word":"decisions","sentiment":"neutral","sentiment_score":-0.2770877778530121},{"word":"for","start":637.61,"end":637.77,"confidence":0.99744606,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.3429500162601471},{"word":"yourself","start":637.77,"end":638.27,"confidence":0.98626137,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":-0.17926709353923798},{"word":"do","start":641.37,"end":641.52997,"confidence":0.92293733,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.013592593371868134},{"word":"you","start":641.52997,"end":641.61,"confidence":0.9984078,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027512386441230777},{"word":"have","start":641.61,"end":641.69,"confidence":0.99775296,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03686469420790672},{"word":"any","start":641.69,"end":641.85,"confidence":0.9987752,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03973979502916336},{"word":"questions","start":641.85,"end":642.17,"confidence":0.9992699,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.036633796989917755},{"word":"in","start":642.17,"end":642.33,"confidence":0.9992625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.021388107910752296},{"word":"regards","start":642.33,"end":642.57,"confidence":0.99410313,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.01710021123290062},{"word":"to","start":642.57,"end":642.64996,"confidence":0.9046152,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023068027570843697},{"word":"those","start":642.64996,"end":642.81,"confidence":0.99756926,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.03454060107469559},{"word":"two","start":642.81,"end":642.97,"confidence":0.9945644,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.03451552987098694},{"word":"things","start":642.97,"end":643.21,"confidence":0.99785733,"punctuated_word":"things?","sentiment":"neutral","sentiment_score":0.03590935468673706},{"word":"obviously","start":643.21,"end":643.52997,"confidence":0.99435884,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.010470455512404442},{"word":"i","start":643.52997,"end":643.61,"confidence":0.9305059,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008764654397964478},{"word":"skipped","start":643.61,"end":643.93,"confidence":0.9872056,"punctuated_word":"skipped","sentiment":"neutral","sentiment_score":-0.008722975850105286},{"word":"over","start":643.93,"end":644.08997,"confidence":0.99744034,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.023262716829776764},{"word":"those","start":644.08997,"end":644.33,"confidence":0.99828243,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.02473101019859314},{"word":"a","start":644.33,"end":644.41,"confidence":0.9992872,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03922099247574806},{"word":"little","start":644.41,"end":644.57,"confidence":0.9999683,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0543253980576992},{"word":"bit","start":644.57,"end":644.81,"confidence":0.9989188,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08062389492988586},{"word":"because","start":644.81,"end":645.13,"confidence":0.89900756,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04138629510998726},{"word":"we've","start":645.13,"end":645.37,"confidence":0.88619846,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.0049379682168364525},{"word":"discussed","start":645.37,"end":645.77,"confidence":0.9082756,"punctuated_word":"discussed,","sentiment":"neutral","sentiment_score":0.012738976627588272},{"word":"like","start":645.77,"end":646.01,"confidence":0.996888,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0035423003137111664},{"word":"wills","start":646.01,"end":646.25,"confidence":0.9658027,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":-0.012605875730514526},{"word":"and","start":646.25,"end":646.41,"confidence":0.99724054,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.021479789167642593},{"word":"estates","start":646.41,"end":646.81,"confidence":0.9986889,"punctuated_word":"estates","sentiment":"neutral","sentiment_score":-0.020423147827386856},{"word":"previously","start":646.81,"end":647.29,"confidence":0.7725734,"punctuated_word":"previously.","sentiment":"neutral","sentiment_score":-0.02220722660422325},{"word":"but","start":647.29,"end":647.52997,"confidence":0.99848324,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.004243295639753342},{"word":"do","start":647.52997,"end":647.61,"confidence":0.99847454,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0002878215163946152},{"word":"you","start":647.61,"end":647.69,"confidence":0.99899596,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0004884153604507446},{"word":"have","start":647.69,"end":647.77,"confidence":0.9980909,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0038223862648010254},{"word":"any","start":647.77,"end":647.93,"confidence":0.9986363,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0012908652424812317},{"word":"questions","start":647.93,"end":648.25,"confidence":0.99936765,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-1.7005950212478638e-6},{"word":"regarding","start":648.25,"end":648.64996,"confidence":0.9997446,"punctuated_word":"regarding","sentiment":"neutral","sentiment_score":-0.024050787091255188},{"word":"wills","start":648.64996,"end":648.89,"confidence":0.9925289,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":-0.01827351003885269},{"word":"and","start":648.89,"end":649.05,"confidence":0.9988218,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.038565173745155334},{"word":"estates","start":649.05,"end":649.55,"confidence":0.993206,"punctuated_word":"estates?","sentiment":"neutral","sentiment_score":-0.028015416115522385},{"word":"all","start":651.685,"end":652.005,"confidence":0.99600595,"punctuated_word":"All","sentiment":"neutral","sentiment_score":-0.1049278974533081},{"word":"all","start":652.005,"end":652.245,"confidence":0.9314459,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.0745459496974945},{"word":"make","start":652.245,"end":652.485,"confidence":0.62280124,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.07746757566928864},{"word":"sense","start":652.485,"end":652.985,"confidence":0.9948324,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.04226580634713173},{"word":"yep","start":655.125,"end":655.625,"confidence":0.9446879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.116176038980484},{"word":"obviously","start":655.76495,"end":656.165,"confidence":0.88908905,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.06887051463127136},{"word":"at","start":656.165,"end":656.245,"confidence":0.9891984,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.025514766573905945},{"word":"any","start":656.245,"end":656.40497,"confidence":0.9998202,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04165668785572052},{"word":"point","start":656.40497,"end":656.565,"confidence":0.96094334,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.00663495808839798},{"word":"you","start":656.565,"end":656.725,"confidence":0.99690384,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027351975440979004},{"word":"can","start":656.725,"end":656.805,"confidence":0.99938583,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04750415682792664},{"word":"give","start":656.805,"end":656.96497,"confidence":0.9995616,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.025418035686016083},{"word":"us","start":656.96497,"end":657.045,"confidence":0.99966526,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.010085046291351318},{"word":"a","start":657.045,"end":657.125,"confidence":0.99865556,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03591639921069145},{"word":"call","start":657.125,"end":657.365,"confidence":0.9944641,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.008310049772262573},{"word":"up","start":657.365,"end":657.445,"confidence":0.9191638,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.012431859970092772},{"word":"if","start":657.445,"end":657.605,"confidence":0.9058781,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0009477511048316956},{"word":"you","start":657.605,"end":657.76495,"confidence":0.9980568,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03642788529396057},{"word":"were","start":657.76495,"end":658.005,"confidence":0.98050976,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.045864038169384},{"word":"sort","start":658.005,"end":658.245,"confidence":0.9795888,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.062429703772068024},{"word":"of","start":658.245,"end":658.485,"confidence":0.9991078,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.056122638285160065},{"word":"thinking","start":658.485,"end":658.805,"confidence":0.99812824,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.053737178444862366},{"word":"about","start":658.805,"end":659.045,"confidence":0.9991032,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07388805598020554},{"word":"going","start":659.045,"end":659.285,"confidence":0.999858,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.06533391773700714},{"word":"down","start":659.285,"end":659.365,"confidence":0.7580296,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.019227731972932816},{"word":"does","start":659.365,"end":659.605,"confidence":0.90220577,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.016157016158103943},{"word":"the","start":659.605,"end":659.685,"confidence":0.82292163,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003149762749671936},{"word":"solicitor","start":659.685,"end":660.08496,"confidence":0.99457717,"punctuated_word":"solicitor","sentiment":"neutral","sentiment_score":0.009827114641666412},{"word":"have","start":660.08496,"end":660.245,"confidence":0.98282814,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01938187330961227},{"word":"any","start":660.245,"end":660.40497,"confidence":0.99875176,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.023848984390497208},{"word":"questions","start":660.40497,"end":660.725,"confidence":0.99914646,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.0028498396277427673},{"word":"regarding","start":660.725,"end":661.125,"confidence":0.99963605,"punctuated_word":"regarding","sentiment":"neutral","sentiment_score":-0.014728095382452013},{"word":"that","start":661.125,"end":661.445,"confidence":0.97596395,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.02013756707310677},{"word":"you","start":661.445,"end":661.52496,"confidence":0.97291213,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.14601270854473114},{"word":"can","start":661.52496,"end":661.685,"confidence":0.99982244,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15158550441265106},{"word":"always","start":661.685,"end":661.845,"confidence":0.99990237,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.17962491512298584},{"word":"give","start":661.845,"end":662.005,"confidence":0.9996871,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1097743809223175},{"word":"us","start":662.005,"end":662.165,"confidence":0.9994448,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.10572507977485655},{"word":"a","start":662.165,"end":662.245,"confidence":0.9989312,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1517726331949234},{"word":"call","start":662.245,"end":662.485,"confidence":0.99968374,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.17161008715629578},{"word":"and","start":662.485,"end":662.64496,"confidence":0.9870683,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.218291774392128},{"word":"have","start":662.64496,"end":662.765,"confidence":0.9996412,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18799623847007751},{"word":"a","start":662.765,"end":662.885,"confidence":0.9973748,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19022345542907715},{"word":"chat","start":662.885,"end":663.125,"confidence":0.9998666,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.19174912571907043},{"word":"about","start":663.125,"end":663.365,"confidence":0.99983895,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.18426644802093503},{"word":"that","start":663.365,"end":663.52496,"confidence":0.9959444,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1912471055984497},{"word":"that's","start":663.52496,"end":663.76495,"confidence":0.98349166,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.37657833099365234},{"word":"no","start":663.76495,"end":663.925,"confidence":0.989238,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.3873884975910187},{"word":"problem","start":663.925,"end":664.165,"confidence":0.9997092,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.3951907157897949},{"word":"at","start":664.165,"end":664.32495,"confidence":0.9995222,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.44670039415359497},{"word":"all","start":664.32495,"end":664.62,"confidence":0.9930454,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.4442673623561859},{"word":"obviously","start":666.46,"end":666.7,"confidence":0.97747886,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.2040945291519165},{"word":"in","start":666.7,"end":666.86,"confidence":0.97386295,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1946527510881424},{"word":"regards","start":666.86,"end":667.18,"confidence":0.99386954,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.09257751703262328},{"word":"to","start":667.18,"end":667.22,"confidence":0.98925775,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12239598482847214},{"word":"the","start":667.22,"end":667.26,"confidence":0.602537,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11186887323856354},{"word":"adviser","start":667.26,"end":667.66,"confidence":0.9196091,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.09001521021127701},{"word":"fee","start":667.66,"end":667.74,"confidence":0.95408165,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":0.11097140610218048},{"word":"it","start":667.74,"end":667.82,"confidence":0.90080976,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09142518788576126},{"word":"is","start":667.82,"end":668.06,"confidence":0.9344314,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0931975245475769},{"word":"still","start":668.06,"end":668.22,"confidence":0.99740076,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.18054930865764615},{"word":"the","start":668.22,"end":668.3,"confidence":0.9951658,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09673088788986206},{"word":"1.65%","start":668.3,"end":669.33997,"confidence":0.98763496,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.13757994771003723},{"word":"of","start":669.33997,"end":669.42,"confidence":0.9988073,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.139980286359787},{"word":"the","start":669.42,"end":669.5,"confidence":0.87446564,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1685212254524231},{"word":"superannuation","start":669.5,"end":670.0,"confidence":0.9948054,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.13872353732585907},{"word":"balance","start":670.22,"end":670.54,"confidence":0.5588604,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.11805137991905212},{"word":"is","start":670.54,"end":670.7,"confidence":0.42364332,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1351107507944107},{"word":"around","start":670.7,"end":670.94,"confidence":0.99899346,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.17469261586666107},{"word":"the","start":670.94,"end":671.1,"confidence":0.9649313,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16187149286270142},{"word":"1,900","start":671.1,"end":672.4,"confidence":0.98350763,"punctuated_word":"1,900","sentiment":"neutral","sentiment_score":0.12901565432548523},{"word":"or","start":672.54,"end":673.04,"confidence":0.48361355,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12651610374450684},{"word":"$1,961","start":674.3,"end":675.9,"confidence":0.97610563,"punctuated_word":"$1,961","sentiment":"neutral","sentiment_score":0.12991678714752197},{"word":"and","start":675.9,"end":676.06,"confidence":0.693885,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11748800426721571},{"word":"then","start":676.06,"end":676.3,"confidence":0.9924272,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13204270601272583},{"word":"22%","start":676.3,"end":676.94,"confidence":0.9982137,"punctuated_word":"22%","sentiment":"neutral","sentiment_score":0.17025092244148254},{"word":"of","start":676.94,"end":677.02,"confidence":0.99451953,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12183396518230438},{"word":"the","start":677.02,"end":677.18,"confidence":0.95839566,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13172125816345215},{"word":"clearview","start":677.18,"end":677.58,"confidence":0.920998,"punctuated_word":"Clearview","sentiment":"neutral","sentiment_score":0.11970877647399902},{"word":"insurance","start":677.58,"end":678.06,"confidence":0.72923714,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.07620543986558914},{"word":"premium","start":678.06,"end":678.38,"confidence":0.9480362,"punctuated_word":"premium,","sentiment":"neutral","sentiment_score":0.09702596068382265},{"word":"which","start":678.38,"end":678.54,"confidence":0.99993205,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.10633614659309389},{"word":"is","start":678.54,"end":678.62,"confidence":0.99951625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07928311824798584},{"word":"around","start":678.62,"end":678.86,"confidence":0.99825734,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.116524800658226},{"word":"$244","start":678.86,"end":680.4,"confidence":0.988091,"punctuated_word":"$244.","sentiment":"neutral","sentiment_score":0.09547895193099976},{"word":"now","start":681.07495,"end":681.235,"confidence":0.98496777,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.12341143190860748},{"word":"that's","start":681.235,"end":681.555,"confidence":0.99773973,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1692199409008026},{"word":"based","start":681.555,"end":681.795,"confidence":0.9999435,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.15765634179115295},{"word":"on","start":681.795,"end":682.035,"confidence":0.9998869,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15345808863639832},{"word":"percentage","start":682.035,"end":682.51495,"confidence":0.99656516,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.1659502387046814},{"word":"of","start":682.51495,"end":682.675,"confidence":0.99981636,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1678125113248825},{"word":"the","start":682.675,"end":683.175,"confidence":0.999835,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15925823152065277},{"word":"the","start":683.555,"end":683.63495,"confidence":0.8856339,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13147783279418945},{"word":"balance","start":683.63495,"end":684.035,"confidence":0.9996853,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.07855669409036636},{"word":"and","start":684.035,"end":684.115,"confidence":0.9768123,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13172069191932678},{"word":"then","start":684.115,"end":684.27496,"confidence":0.9943657,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15931923687458038},{"word":"percentage","start":684.27496,"end":684.675,"confidence":0.99561596,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.1810474544763565},{"word":"of","start":684.675,"end":684.75494,"confidence":0.99867755,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1804598867893219},{"word":"your","start":684.75494,"end":684.995,"confidence":0.9977804,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13066008687019348},{"word":"premium","start":684.995,"end":685.39496,"confidence":0.9909502,"punctuated_word":"premium.","sentiment":"neutral","sentiment_score":0.1302224099636078},{"word":"you","start":685.39496,"end":685.555,"confidence":0.99959964,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1910341680049896},{"word":"don't","start":685.555,"end":685.71497,"confidence":0.99996316,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.18199366331100464},{"word":"pay","start":685.71497,"end":685.95496,"confidence":0.99851507,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.11847970634698868},{"word":"us","start":685.95496,"end":686.115,"confidence":0.83303976,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.10122686624526978},{"word":"an","start":686.115,"end":686.19495,"confidence":0.98335797,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06915360689163208},{"word":"additional","start":686.19495,"end":686.595,"confidence":0.9999033,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.06425110995769501},{"word":"cost","start":686.595,"end":686.83496,"confidence":0.969838,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.018494918942451477},{"word":"for","start":686.83496,"end":686.995,"confidence":0.9981034,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12742602825164795},{"word":"the","start":686.995,"end":687.235,"confidence":0.99960214,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17931076884269714},{"word":"insurance","start":687.235,"end":687.735,"confidence":0.999676,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.09125539660453796},{"word":"that","start":688.115,"end":688.355,"confidence":0.97526634,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2210537940263748},{"word":"we","start":688.355,"end":688.51495,"confidence":0.99989116,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16466468572616577},{"word":"do","start":688.51495,"end":688.675,"confidence":0.99950314,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18878424167633057},{"word":"receive","start":688.675,"end":688.915,"confidence":0.9804249,"punctuated_word":"receive.","sentiment":"neutral","sentiment_score":0.12184159457683565},{"word":"we","start":688.915,"end":689.07495,"confidence":0.9998518,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.14338070154190063},{"word":"just","start":689.07495,"end":689.31494,"confidence":0.9997944,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16876691579818726},{"word":"get","start":689.31494,"end":689.39496,"confidence":0.9989625,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15710386633872986},{"word":"it","start":689.39496,"end":689.555,"confidence":0.99614775,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.151679664850235},{"word":"as","start":689.555,"end":689.71497,"confidence":0.99976796,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12065806984901428},{"word":"a","start":689.71497,"end":689.795,"confidence":0.9854769,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15509837865829468},{"word":"remuneration","start":689.795,"end":690.295,"confidence":0.99916416,"punctuated_word":"remuneration","sentiment":"neutral","sentiment_score":0.11323728412389757},{"word":"for","start":690.51495,"end":690.75494,"confidence":0.98924154,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12674114108085632},{"word":"holding","start":690.75494,"end":691.07495,"confidence":0.9968315,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":0.1639423668384552},{"word":"a","start":691.07495,"end":691.15497,"confidence":0.8804235,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20465512573719025},{"word":"policy","start":691.15497,"end":691.63495,"confidence":0.99997556,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.19132301211357117},{"word":"with","start":691.63495,"end":691.795,"confidence":0.99976593,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23397760093212128},{"word":"that","start":691.795,"end":691.95496,"confidence":0.9996519,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16927775740623474},{"word":"insurer","start":691.95496,"end":692.355,"confidence":0.97210276,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":0.1328578740358353},{"word":"out","start":692.355,"end":692.51495,"confidence":0.9912606,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14907771348953247},{"word":"of","start":692.51495,"end":692.595,"confidence":0.9996488,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11054912209510805},{"word":"the","start":692.595,"end":692.75494,"confidence":0.99928206,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09087557345628738},{"word":"premium","start":692.75494,"end":693.15497,"confidence":0.999796,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.08965803682804108},{"word":"that","start":693.15497,"end":693.31494,"confidence":0.99958974,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1842436790466309},{"word":"you","start":693.31494,"end":693.475,"confidence":0.9996363,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13270190358161926},{"word":"pay","start":693.475,"end":693.63495,"confidence":0.94098306,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.09266936779022215},{"word":"them","start":693.63495,"end":694.13495,"confidence":0.855098,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.10620681941509248},{"word":"we","start":694.31,"end":694.47,"confidence":0.9949037,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.11086317896842957},{"word":"just","start":694.47,"end":694.63,"confidence":0.99382776,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1412215530872345},{"word":"have","start":694.63,"end":694.70996,"confidence":0.9989875,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10449499636888504},{"word":"to","start":694.70996,"end":694.94995,"confidence":0.9998265,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.057962968945503235},{"word":"disclose","start":694.94995,"end":695.26996,"confidence":0.9992914,"punctuated_word":"disclose","sentiment":"neutral","sentiment_score":0.08667971938848495},{"word":"it","start":695.26996,"end":695.43,"confidence":0.9986247,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05102386325597763},{"word":"based","start":695.43,"end":695.67,"confidence":0.999526,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.10265267640352248},{"word":"on","start":695.67,"end":695.82996,"confidence":0.9998646,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13794374465942383},{"word":"the","start":695.82996,"end":695.91,"confidence":0.9996371,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09830228984355928},{"word":"fact","start":695.91,"end":696.07,"confidence":0.99987257,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":0.10928095132112504},{"word":"that","start":696.07,"end":696.23,"confidence":0.9996081,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0789870172739029},{"word":"we","start":696.23,"end":696.38995,"confidence":0.99986815,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08289080858230591},{"word":"do","start":696.38995,"end":696.63,"confidence":0.99964154,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12063948810100555},{"word":"receive","start":696.63,"end":696.87,"confidence":0.9997181,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.025705285370349884},{"word":"it","start":696.87,"end":697.37,"confidence":0.99795985,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.04277438670396805},{"word":"obviously","start":698.31,"end":698.70996,"confidence":0.9784851,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.054260775446891785},{"word":"the","start":698.70996,"end":698.87,"confidence":0.9937734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07823958247900009},{"word":"superannuation","start":698.87,"end":699.37,"confidence":0.998882,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.09315933287143709},{"word":"fee","start":700.38995,"end":700.70996,"confidence":0.9883024,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.07670947164297104},{"word":"for","start":700.70996,"end":700.87,"confidence":0.9997764,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0621153861284256},{"word":"ongoing","start":700.87,"end":701.26996,"confidence":0.9984345,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.06915155053138733},{"word":"client","start":701.26996,"end":701.58997,"confidence":0.86794806,"punctuated_word":"client,","sentiment":"neutral","sentiment_score":0.05907709524035454},{"word":"that","start":701.58997,"end":701.75,"confidence":0.9998361,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03588798642158508},{"word":"comes","start":701.75,"end":701.99,"confidence":0.99962676,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.042124487459659576},{"word":"directly","start":701.99,"end":702.31,"confidence":0.9998981,"punctuated_word":"directly","sentiment":"neutral","sentiment_score":0.0731206014752388},{"word":"out","start":702.31,"end":702.55,"confidence":0.9995209,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.041140906512737274},{"word":"of","start":702.55,"end":702.63,"confidence":0.9988018,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06312970072031021},{"word":"your","start":702.63,"end":702.87,"confidence":0.98762834,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07168952375650406},{"word":"superannuation","start":702.87,"end":703.37,"confidence":0.94023764,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":0.07606072723865509},{"word":"if","start":703.51,"end":703.67,"confidence":0.99846256,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14069589972496033},{"word":"that","start":703.67,"end":703.82996,"confidence":0.9995604,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13231895864009857},{"word":"all","start":703.82996,"end":703.99,"confidence":0.9885861,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.11672084033489229},{"word":"makes","start":703.99,"end":704.23,"confidence":0.8721318,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.05469175428152085},{"word":"sense","start":704.23,"end":704.73,"confidence":0.9496615,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.03302661329507828},{"word":"do","start":705.75,"end":705.91,"confidence":0.88169503,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.02834639884531498},{"word":"you","start":705.91,"end":705.99,"confidence":0.99875057,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03776196017861366},{"word":"have","start":705.99,"end":706.07,"confidence":0.9995123,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03663125634193421},{"word":"any","start":706.07,"end":706.23,"confidence":0.9996264,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.038212187588214874},{"word":"questions","start":706.23,"end":706.55,"confidence":0.9995739,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.03447400778532028},{"word":"in","start":706.55,"end":706.63,"confidence":0.9926824,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.017802029848098755},{"word":"regards","start":706.63,"end":706.94995,"confidence":0.99750805,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.01177811250090599},{"word":"to","start":706.94995,"end":707.11,"confidence":0.988394,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017145667225122452},{"word":"fee","start":707.11,"end":707.35,"confidence":0.7306782,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.057840898633003235},{"word":"or","start":707.35,"end":707.43,"confidence":0.98812985,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01769266650080681},{"word":"how","start":707.43,"end":707.58997,"confidence":0.9997911,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.025564413517713547},{"word":"that's","start":707.58997,"end":707.82996,"confidence":0.9783364,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.021160712465643883},{"word":"charged","start":707.82996,"end":708.07,"confidence":0.99548656,"punctuated_word":"charged","sentiment":"neutral","sentiment_score":0.03578666225075722},{"word":"or","start":708.07,"end":708.14996,"confidence":0.9924367,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04383595660328865},{"word":"anything","start":708.14996,"end":708.47,"confidence":0.99991703,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.04872302711009979},{"word":"there","start":708.47,"end":708.63,"confidence":0.9965959,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.03522653877735138},{"word":"benjamin","start":708.63,"end":709.13,"confidence":0.9870889,"punctuated_word":"Benjamin?","sentiment":"neutral","sentiment_score":0.045543380081653595},{"word":"not","start":710.765,"end":710.885,"confidence":0.99610597,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.23069438338279724},{"word":"a","start":710.885,"end":711.005,"confidence":0.9996227,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.154220312833786},{"word":"problem","start":711.005,"end":711.325,"confidence":0.9999342,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.2238076478242874},{"word":"at","start":711.325,"end":711.485,"confidence":0.9998241,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2246009260416031},{"word":"all","start":711.485,"end":711.985,"confidence":0.9268253,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.33411353826522827},{"word":"now","start":712.765,"end":713.085,"confidence":0.54049206,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.21915438771247864},{"word":"in","start":713.085,"end":713.325,"confidence":0.9318643,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17165744304656982},{"word":"regards","start":713.325,"end":713.645,"confidence":0.9993387,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.13260400295257568},{"word":"to","start":713.645,"end":713.725,"confidence":0.9925795,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19798757135868073},{"word":"the","start":713.725,"end":713.885,"confidence":0.9878878,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21519331634044647},{"word":"advice","start":713.885,"end":714.205,"confidence":0.877432,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1820961236953735},{"word":"piece","start":714.205,"end":714.365,"confidence":0.9213875,"punctuated_word":"piece,","sentiment":"neutral","sentiment_score":0.1775745451450348},{"word":"if","start":714.365,"end":714.525,"confidence":0.9991485,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1967507004737854},{"word":"you","start":714.525,"end":714.685,"confidence":0.99913883,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1905253529548645},{"word":"were","start":714.685,"end":714.845,"confidence":0.9988626,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.21984678506851196},{"word":"happy","start":714.845,"end":715.085,"confidence":0.9996265,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2935883402824402},{"word":"to","start":715.085,"end":715.165,"confidence":0.9988518,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29035958647727966},{"word":"implement","start":715.165,"end":715.565,"confidence":0.9970855,"punctuated_word":"implement","sentiment":"neutral","sentiment_score":0.22101427614688873},{"word":"everything","start":715.565,"end":715.685,"confidence":0.89778113,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.24581356346607208},{"word":"if","start":715.685,"end":715.805,"confidence":0.9874615,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2680127024650574},{"word":"you","start":715.805,"end":715.96497,"confidence":0.9988926,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28039711713790894},{"word":"did","start":715.96497,"end":716.205,"confidence":0.99940145,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.23048824071884155},{"word":"sign","start":716.205,"end":716.445,"confidence":0.9985715,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.19467049837112427},{"word":"the","start":716.445,"end":716.525,"confidence":0.96069974,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1774890422821045},{"word":"document","start":716.525,"end":716.925,"confidence":0.9956007,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.20602929592132568},{"word":"they","start":716.925,"end":717.085,"confidence":0.998648,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.22681421041488647},{"word":"would","start":717.085,"end":717.325,"confidence":0.9998845,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.271005779504776},{"word":"update","start":717.325,"end":717.805,"confidence":0.99976903,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.234355628490448},{"word":"the","start":717.805,"end":718.305,"confidence":0.9377559,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20637747645378113},{"word":"investments","start":718.445,"end":718.925,"confidence":0.85290843,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.14991648495197296},{"word":"on","start":718.925,"end":719.085,"confidence":0.99855834,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22851216793060303},{"word":"your","start":719.085,"end":719.245,"confidence":0.99981624,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22379343211650848},{"word":"behalf","start":719.245,"end":719.565,"confidence":0.99991405,"punctuated_word":"behalf","sentiment":"neutral","sentiment_score":0.25655245780944824},{"word":"and","start":719.565,"end":719.725,"confidence":0.98725873,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2679271996021271},{"word":"switch","start":719.725,"end":720.045,"confidence":0.9978795,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.2778477966785431},{"word":"that","start":720.045,"end":720.205,"confidence":0.99980885,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2416530400514603},{"word":"for","start":720.205,"end":720.365,"confidence":0.9997272,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23829150199890137},{"word":"you","start":720.365,"end":720.605,"confidence":0.9995066,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2260725051164627},{"word":"once","start":720.605,"end":720.845,"confidence":0.8959788,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.2705420255661011},{"word":"you","start":720.845,"end":721.005,"confidence":0.99958783,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2052849531173706},{"word":"did","start":721.005,"end":721.245,"confidence":0.9994313,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1626015454530716},{"word":"sign","start":721.245,"end":721.62,"confidence":0.86808443,"punctuated_word":"sign.","sentiment":"neutral","sentiment_score":0.17253504693508148},{"word":"and","start":722.1,"end":722.18,"confidence":0.98568535,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1846836060285568},{"word":"then","start":722.18,"end":722.42,"confidence":0.99973077,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.22761934995651245},{"word":"they","start":722.42,"end":722.66,"confidence":0.9871171,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.20225906372070312},{"word":"would","start":722.66,"end":722.82,"confidence":0.98979807,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2435533702373505},{"word":"send","start":722.82,"end":723.06,"confidence":0.99924064,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2272027283906937},{"word":"you","start":723.06,"end":723.22,"confidence":0.99930656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20856426656246185},{"word":"out","start":723.22,"end":723.38,"confidence":0.9919059,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2190258949995041},{"word":"the","start":723.38,"end":723.54,"confidence":0.99792886,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2170275002717972},{"word":"the","start":723.54,"end":723.77997,"confidence":0.9976089,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.187361478805542},{"word":"beneficiary","start":723.77997,"end":724.27997,"confidence":0.99792624,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.1699877381324768},{"word":"forms","start":724.33997,"end":724.66,"confidence":0.92263985,"punctuated_word":"forms,","sentiment":"neutral","sentiment_score":0.18170423805713656},{"word":"and","start":724.66,"end":724.74,"confidence":0.95844734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24387826025485992},{"word":"it'd","start":724.74,"end":724.98,"confidence":0.99037033,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":0.20870351791381836},{"word":"be","start":724.98,"end":725.06,"confidence":0.9992778,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.20283108949661255},{"word":"up","start":725.06,"end":725.22,"confidence":0.9998865,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.16735458374023438},{"word":"to","start":725.22,"end":725.38,"confidence":0.9988965,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1935902237892151},{"word":"you","start":725.38,"end":725.62,"confidence":0.9997249,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.220794677734375},{"word":"to","start":725.62,"end":725.7,"confidence":0.99924076,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2196557819843292},{"word":"be","start":725.7,"end":725.86,"confidence":0.99955446,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.19726239144802096},{"word":"able","start":725.86,"end":726.18,"confidence":0.9999167,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.21814274787902832},{"word":"to","start":726.18,"end":726.33997,"confidence":0.9972282,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18478137254714969},{"word":"fill","start":726.33997,"end":726.5,"confidence":0.9967278,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.15190766751766205},{"word":"those","start":726.5,"end":726.74,"confidence":0.9989772,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1463266760110855},{"word":"out","start":726.74,"end":726.9,"confidence":0.9964804,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.16430293023586273},{"word":"and","start":726.9,"end":726.98,"confidence":0.9984475,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16376003623008728},{"word":"send","start":726.98,"end":727.14,"confidence":0.9993641,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.16482046246528623},{"word":"those","start":727.14,"end":727.38,"confidence":0.99966407,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.15447455644607544},{"word":"back","start":727.38,"end":727.54,"confidence":0.72388226,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.14728716015815735},{"word":"and","start":727.54,"end":727.7,"confidence":0.9993524,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1286238133907318},{"word":"then","start":727.7,"end":727.94,"confidence":0.9995672,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1374376267194748},{"word":"also","start":727.94,"end":728.26,"confidence":0.9226003,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11590661108493804},{"word":"in","start":728.26,"end":728.42,"confidence":0.93994766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09482122212648392},{"word":"regards","start":728.42,"end":728.82,"confidence":0.9971903,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.07363402843475342},{"word":"to","start":728.82,"end":728.9,"confidence":0.9809739,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1147146001458168},{"word":"speaking","start":728.9,"end":729.22,"confidence":0.9997378,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.12690965831279755},{"word":"with","start":729.22,"end":729.38,"confidence":0.99969745,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12045739591121674},{"word":"a","start":729.38,"end":729.46,"confidence":0.6209752,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09855999052524568},{"word":"lawyer","start":729.46,"end":729.96,"confidence":0.9998406,"punctuated_word":"lawyer","sentiment":"neutral","sentiment_score":0.07143419235944748},{"word":"and","start":730.58,"end":730.82,"confidence":0.9012771,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13072265684604645},{"word":"setting","start":730.82,"end":731.06,"confidence":0.9980544,"punctuated_word":"setting","sentiment":"neutral","sentiment_score":0.14485372602939606},{"word":"up","start":731.06,"end":731.14,"confidence":0.99985135,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.12657195329666138},{"word":"the","start":731.14,"end":731.3,"confidence":0.9914609,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1047939956188202},{"word":"will","start":731.3,"end":731.54,"confidence":0.9878494,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11189303547143936},{"word":"and","start":731.54,"end":731.62,"confidence":0.9636409,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08509677648544312},{"word":"a","start":731.62,"end":731.7,"confidence":0.47017565,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08316205441951752},{"word":"power","start":731.7,"end":731.94,"confidence":0.99947506,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.1212935522198677},{"word":"of","start":731.94,"end":732.1,"confidence":0.99499536,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08137611299753189},{"word":"attorney","start":732.1,"end":732.6,"confidence":0.99920285,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":0.06328702718019485},{"word":"yeah","start":743.395,"end":743.715,"confidence":0.99633706,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1294042468070984},{"word":"you","start":743.715,"end":743.875,"confidence":0.9991855,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.06468171626329422},{"word":"can","start":743.875,"end":744.115,"confidence":0.99986255,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08884984254837036},{"word":"still","start":744.115,"end":744.435,"confidence":0.99853957,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.11622561514377594},{"word":"fill","start":744.435,"end":744.675,"confidence":0.9929878,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.1226550191640854},{"word":"them","start":744.675,"end":744.835,"confidence":0.98965937,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.10753108561038972},{"word":"out","start":744.835,"end":745.075,"confidence":0.9873711,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11700820177793504},{"word":"preemptively","start":745.075,"end":745.575,"confidence":0.9942688,"punctuated_word":"preemptively","sentiment":"neutral","sentiment_score":0.0991288274526596},{"word":"and","start":746.64,"end":746.88,"confidence":0.9996667,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1276508271694183},{"word":"then","start":746.88,"end":747.04004,"confidence":0.9997423,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1136525422334671},{"word":"just","start":747.04004,"end":747.12,"confidence":0.99918157,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11564595997333528},{"word":"have","start":747.12,"end":747.44,"confidence":0.9983608,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13613897562026978},{"word":"it","start":747.44,"end":747.68,"confidence":0.9964522,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1148778721690178},{"word":"yeah","start":747.92004,"end":748.24,"confidence":0.99064577,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.10246330499649048},{"word":"and","start":748.24,"end":748.4,"confidence":0.9995358,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03988605737686157},{"word":"then","start":748.4,"end":748.72003,"confidence":0.97480565,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.03781042993068695},{"word":"like","start":748.72003,"end":748.96,"confidence":0.9974369,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0311517920345068},{"word":"obviously","start":748.96,"end":749.46,"confidence":0.99532473,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.021491639316082},{"word":"you","start":749.52,"end":749.68,"confidence":0.998066,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007839901372790337},{"word":"know","start":749.68,"end":749.84,"confidence":0.99905014,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03806941211223602},{"word":"as","start":749.84,"end":750.0,"confidence":0.9998087,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0421200767159462},{"word":"long","start":750.0,"end":750.24,"confidence":0.99989367,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.05323058366775513},{"word":"as","start":750.24,"end":750.32,"confidence":0.99816823,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0008665099740028381},{"word":"nothing","start":750.32,"end":750.56,"confidence":0.97520626,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.02665385603904724},{"word":"happens","start":750.56,"end":750.88,"confidence":0.9906198,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.05805143341422081},{"word":"between","start":750.88,"end":751.38,"confidence":0.99684453,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.07982584834098816},{"word":"no","start":754.32,"end":754.56,"confidence":0.99183965,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.019221369177103043},{"word":"you","start":754.56,"end":754.72003,"confidence":0.998885,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.08357276022434235},{"word":"can","start":754.72003,"end":754.96,"confidence":0.99894756,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11887834966182707},{"word":"just","start":754.96,"end":755.2,"confidence":0.84378666,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07135958969593048},{"word":"fill","start":755.2,"end":755.44,"confidence":0.99100834,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.13306570053100586},{"word":"out","start":755.44,"end":755.52,"confidence":0.98856676,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14932462573051453},{"word":"the","start":755.52,"end":755.76,"confidence":0.99952114,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0981299877166748},{"word":"beneficiaries","start":755.76,"end":756.26,"confidence":0.9961642,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.13219353556632996},{"word":"as","start":756.32,"end":756.56,"confidence":0.95877784,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.1362687349319458},{"word":"like","start":756.56,"end":756.72003,"confidence":0.99952614,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11727072298526764},{"word":"legal","start":756.72003,"end":757.04004,"confidence":0.9931405,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.1374179571866989},{"word":"person","start":757.04004,"end":757.44,"confidence":0.71895325,"punctuated_word":"person","sentiment":"neutral","sentiment_score":0.1369747817516327},{"word":"representative","start":757.44,"end":757.92004,"confidence":0.52077836,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.11767830699682236},{"word":"is","start":757.92004,"end":758.0,"confidence":0.7494912,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1648179143667221},{"word":"the","start":758.0,"end":758.16003,"confidence":0.99455714,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1619582623243332},{"word":"recommendation","start":758.16003,"end":758.66003,"confidence":0.92517936,"punctuated_word":"recommendation.","sentiment":"neutral","sentiment_score":0.14631952345371246},{"word":"and","start":758.8,"end":759.04004,"confidence":0.99976283,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07784947752952576},{"word":"then","start":759.04004,"end":759.2,"confidence":0.99986076,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08250261098146439},{"word":"once","start":759.2,"end":759.44,"confidence":0.9972549,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.08078514039516449},{"word":"you","start":759.44,"end":759.60004,"confidence":0.9999273,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08687883615493774},{"word":"set","start":759.60004,"end":759.84,"confidence":0.99104756,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.10930296778678894},{"word":"up","start":759.84,"end":760.0,"confidence":0.99972826,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1257593035697937},{"word":"your","start":760.0,"end":760.16003,"confidence":0.9563013,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09340791404247284},{"word":"will","start":760.16003,"end":760.605,"confidence":0.9983678,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.09067067503929138},{"word":"it's","start":760.685,"end":760.845,"confidence":0.9996468,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.058044396340847015},{"word":"not","start":760.845,"end":761.005,"confidence":0.9998217,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.04069393500685692},{"word":"until","start":761.005,"end":761.245,"confidence":0.99893576,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.006984606385231018},{"word":"anything","start":761.245,"end":761.64496,"confidence":0.9998062,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.04041547328233719},{"word":"happens","start":761.64496,"end":762.045,"confidence":0.99894434,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.006035171449184418},{"word":"that","start":762.045,"end":762.20496,"confidence":0.9962968,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.00795995444059372},{"word":"it","start":762.20496,"end":762.285,"confidence":0.99534875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.022230111062526703},{"word":"actually","start":762.285,"end":762.685,"confidence":0.998319,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.01390846073627472},{"word":"means","start":762.685,"end":762.925,"confidence":0.9995809,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.02323693037033081},{"word":"anything","start":762.925,"end":763.425,"confidence":0.95838356,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":0.03083113394677639},{"word":"it's","start":763.64496,"end":763.805,"confidence":0.94162905,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07346229255199432},{"word":"just","start":763.805,"end":764.045,"confidence":0.9998055,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0819682776927948},{"word":"on","start":764.045,"end":764.545,"confidence":0.9760611,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09484880417585372},{"word":"file","start":764.925,"end":765.40497,"confidence":0.9209448,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.11061567813158037},{"word":"you","start":765.40497,"end":765.565,"confidence":0.9685684,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.19762416183948517},{"word":"can","start":765.565,"end":765.845,"confidence":0.9998054,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2202197015285492},{"word":"obviously","start":766.125,"end":766.52496,"confidence":0.99239975,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.16231881082057953},{"word":"as","start":766.52496,"end":766.605,"confidence":0.9992718,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2678784728050232},{"word":"long","start":766.605,"end":766.925,"confidence":0.9996691,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2358271032571793},{"word":"as","start":766.925,"end":767.08496,"confidence":0.9951879,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2016978859901428},{"word":"nothing","start":767.08496,"end":767.32495,"confidence":0.99837494,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":0.1282256543636322},{"word":"happens","start":767.32495,"end":767.64496,"confidence":0.9963245,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.02097851037979126},{"word":"for","start":767.64496,"end":767.805,"confidence":0.36184034,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10881812870502472},{"word":"now","start":767.805,"end":767.96497,"confidence":0.9298812,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.10845000296831132},{"word":"and","start":767.96497,"end":768.125,"confidence":0.7816477,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1527667939662933},{"word":"you","start":768.125,"end":768.365,"confidence":0.9912117,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21289530396461487},{"word":"setting","start":768.365,"end":768.605,"confidence":0.8084722,"punctuated_word":"setting","sentiment":"neutral","sentiment_score":0.18484914302825928},{"word":"up","start":768.605,"end":768.76495,"confidence":0.9995944,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.224997878074646},{"word":"your","start":768.76495,"end":768.925,"confidence":0.99711466,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28075671195983887},{"word":"will","start":768.925,"end":769.165,"confidence":0.99662876,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.2663303017616272},{"word":"that's","start":769.165,"end":769.485,"confidence":0.9989509,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.377193421125412},{"word":"more","start":769.485,"end":769.725,"confidence":0.9993426,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4244113862514496},{"word":"than","start":769.725,"end":770.045,"confidence":0.9991874,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.3630406856536865},{"word":"fine","start":770.045,"end":770.20496,"confidence":0.95482826,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1845879852771759},{"word":"and","start":770.20496,"end":770.365,"confidence":0.99652195,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.019952401518821716},{"word":"even","start":770.365,"end":770.605,"confidence":0.9989772,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.11014201492071152},{"word":"if","start":770.605,"end":770.76495,"confidence":0.99912924,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.162822887301445},{"word":"it","start":770.76495,"end":770.845,"confidence":0.99628335,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2705196142196655},{"word":"did","start":770.845,"end":771.245,"confidence":0.940012,"punctuated_word":"did,","sentiment":"neutral","sentiment_score":-0.16777613759040833},{"word":"the","start":771.245,"end":771.40497,"confidence":0.9904919,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.247213751077652},{"word":"likelihood","start":771.40497,"end":771.90497,"confidence":0.9941755,"punctuated_word":"likelihood","sentiment":"neutral","sentiment_score":-0.2873784005641937},{"word":"even","start":772.685,"end":773.005,"confidence":0.9972657,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.23418107628822327},{"word":"if","start":773.005,"end":773.08496,"confidence":0.997804,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2790766954421997},{"word":"you","start":773.08496,"end":773.245,"confidence":0.9967135,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.26847580075263977},{"word":"had","start":773.245,"end":773.485,"confidence":0.9687863,"punctuated_word":"had,","sentiment":"neutral","sentiment_score":-0.2498352527618408},{"word":"like","start":773.485,"end":773.725,"confidence":0.98814386,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.20397721230983737},{"word":"your","start":773.725,"end":773.805,"confidence":0.95153683,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.14753592014312744},{"word":"mother","start":773.805,"end":774.125,"confidence":0.86681896,"punctuated_word":"mother,","sentiment":"neutral","sentiment_score":-0.13221758604049683},{"word":"sister","start":774.125,"end":774.13165,"confidence":0.8248467,"punctuated_word":"sister,","sentiment":"neutral","sentiment_score":-0.15509019792079926},{"word":"or","start":774.13165,"end":774.1383,"confidence":0.40968722,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1891419887542725},{"word":"anything","start":774.1383,"end":774.145,"confidence":0.8220823,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.16510722041130066},{"word":"as","start":774.145,"end":774.1517,"confidence":0.59492373,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.20226529240608215},{"word":"a","start":774.1517,"end":774.1583,"confidence":0.7305456,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18079036474227905},{"word":"nomination","start":774.1583,"end":774.165,"confidence":0.8552871,"punctuated_word":"nomination,","sentiment":"neutral","sentiment_score":-0.1466936469078064},{"word":"the","start":774.165,"end":774.17163,"confidence":0.6817893,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.31379228830337524},{"word":"likelihood","start":774.17163,"end":774.1783,"confidence":0.9600993,"punctuated_word":"likelihood","sentiment":"negative","sentiment_score":-0.3940209150314331},{"word":"they","start":774.1783,"end":774.18494,"confidence":0.39067668,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.3910912573337555},{"word":"would","start":774.18494,"end":774.19165,"confidence":0.53251463,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.3601263165473938},{"word":"find","start":774.19165,"end":774.1983,"confidence":0.80180883,"punctuated_word":"find","sentiment":"negative","sentiment_score":-0.4898725748062134},{"word":"it","start":774.1983,"end":774.20496,"confidence":0.8946639,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3770989775657654},{"word":"as","start":774.20496,"end":774.45496,"confidence":0.75798225,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.455374151468277},{"word":"a","start":774.45496,"end":774.72,"confidence":0.9026505,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.40489640831947327},{"word":"as","start":774.8,"end":774.95996,"confidence":0.997331,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.32564109563827515},{"word":"a","start":774.95996,"end":775.12,"confidence":0.9988147,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3460712730884552},{"word":"nomination","start":775.12,"end":775.62,"confidence":0.9942695,"punctuated_word":"nomination,","sentiment":"neutral","sentiment_score":-0.22783511877059937},{"word":"the","start":775.68,"end":775.83997,"confidence":0.9971681,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.31455695629119873},{"word":"likelihood","start":775.83997,"end":776.24,"confidence":0.9885084,"punctuated_word":"likelihood","sentiment":"negative","sentiment_score":-0.3955427408218384},{"word":"they","start":776.24,"end":776.56,"confidence":0.5778037,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.4309461116790771},{"word":"would","start":776.56,"end":776.72,"confidence":0.66979223,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.3762417435646057},{"word":"find","start":776.72,"end":777.04,"confidence":0.98858184,"punctuated_word":"find","sentiment":"negative","sentiment_score":-0.5156959891319275},{"word":"it","start":777.04,"end":777.27997,"confidence":0.9952129,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.467532217502594},{"word":"as","start":777.27997,"end":777.68,"confidence":0.9994504,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.482181191444397},{"word":"a","start":777.68,"end":777.83997,"confidence":0.9918383,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.452978253364563},{"word":"non","start":777.83997,"end":778.07996,"confidence":0.92310596,"punctuated_word":"non","sentiment":"negative","sentiment_score":-0.4193019270896912},{"word":"valid","start":778.07996,"end":778.39996,"confidence":0.632693,"punctuated_word":"valid","sentiment":"negative","sentiment_score":-0.40223562717437744},{"word":"nomination","start":778.39996,"end":778.87994,"confidence":0.87914383,"punctuated_word":"nomination,","sentiment":"negative","sentiment_score":-0.3467036485671997},{"word":"and","start":778.87994,"end":778.95996,"confidence":0.9998006,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3066093921661377},{"word":"it","start":778.95996,"end":779.12,"confidence":0.99974257,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4214292764663696},{"word":"would","start":779.12,"end":779.27997,"confidence":0.9998983,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.3552730679512024},{"word":"likely","start":779.27997,"end":779.6,"confidence":0.9989073,"punctuated_word":"likely","sentiment":"negative","sentiment_score":-0.3700532019138336},{"word":"end","start":779.6,"end":779.75995,"confidence":0.99938107,"punctuated_word":"end","sentiment":"negative","sentiment_score":-0.42240458726882935},{"word":"up","start":779.75995,"end":779.92,"confidence":0.99924797,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.4412449300289154},{"word":"at","start":779.92,"end":780.0,"confidence":0.9914437,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.4656606614589691},{"word":"your","start":780.0,"end":780.16,"confidence":0.9994785,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.35473012924194336},{"word":"estate","start":780.16,"end":780.48,"confidence":0.6718943,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.31063053011894226},{"word":"anyway","start":780.48,"end":780.98,"confidence":0.876082,"punctuated_word":"anyway","sentiment":"negative","sentiment_score":-0.3479135036468506},{"word":"unless","start":781.36,"end":781.86,"confidence":0.51509315,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.30550360679626465},{"word":"they","start":782.07996,"end":782.39996,"confidence":0.7633748,"punctuated_word":"they,","sentiment":"neutral","sentiment_score":-0.21899810433387756},{"word":"yeah","start":782.39996,"end":782.8,"confidence":0.9903506,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.24428081512451172},{"word":"sorta","start":782.8,"end":783.12,"confidence":0.7441095,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":-0.30643242597579956},{"word":"saw","start":783.12,"end":783.36,"confidence":0.8247741,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.2737279236316681},{"word":"any","start":783.36,"end":783.6,"confidence":0.67240906,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.2872689366340637},{"word":"sort","start":783.6,"end":783.83997,"confidence":0.99178183,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2855723798274994},{"word":"of","start":783.83997,"end":784.0,"confidence":0.9887523,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2787417471408844},{"word":"independent","start":784.0,"end":784.5,"confidence":0.9603636,"punctuated_word":"independent","sentiment":"neutral","sentiment_score":-0.28094780445098877},{"word":"relationship","start":784.56,"end":785.06,"confidence":0.96791255,"punctuated_word":"relationship,","sentiment":"neutral","sentiment_score":-0.20271682739257812},{"word":"which","start":785.12,"end":785.27997,"confidence":0.9998981,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.16846930980682373},{"word":"is","start":785.27997,"end":785.51996,"confidence":0.99653184,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1469382792711258},{"word":"generally","start":785.51996,"end":785.83997,"confidence":0.90357286,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":-0.14187169075012207},{"word":"quite","start":785.83997,"end":786.16,"confidence":0.5401718,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.22079268097877505},{"word":"rare","start":786.16,"end":786.39996,"confidence":0.9730936,"punctuated_word":"rare","sentiment":"neutral","sentiment_score":-0.24782529473304749},{"word":"if","start":786.39996,"end":786.56,"confidence":0.791314,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.23011159896850583},{"word":"you","start":786.56,"end":786.63995,"confidence":0.93480706,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22626955807209015},{"word":"rare","start":786.72,"end":786.87994,"confidence":0.99287087,"punctuated_word":"rare","sentiment":"neutral","sentiment_score":-0.30234307050704956},{"word":"if","start":786.87994,"end":786.95996,"confidence":0.995619,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2190551608800888},{"word":"you're","start":786.95996,"end":787.12,"confidence":0.99323666,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.16236738860607147},{"word":"not","start":787.12,"end":787.24,"confidence":0.9985374,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15506646037101746},{"word":"sort","start":787.24,"end":787.36,"confidence":0.9855478,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2859434485435486},{"word":"of","start":787.36,"end":787.6,"confidence":0.64461714,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1850101053714752},{"word":"supporting","start":787.6,"end":787.92,"confidence":0.99843925,"punctuated_word":"supporting","sentiment":"neutral","sentiment_score":-0.27267900109291077},{"word":"them","start":787.92,"end":788.07996,"confidence":0.99641585,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.2144337296485901},{"word":"financially","start":788.07996,"end":788.48,"confidence":0.9993326,"punctuated_word":"financially","sentiment":"neutral","sentiment_score":-0.1995014846324921},{"word":"or","start":788.48,"end":788.63995,"confidence":0.9967308,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.32196545600891113},{"word":"anything","start":788.63995,"end":788.95996,"confidence":0.99956256,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.25566810369491577},{"word":"like","start":788.95996,"end":789.04,"confidence":0.9930025,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.3741602301597595},{"word":"that","start":789.04,"end":789.345,"confidence":0.7887073,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.23524177074432373},{"word":"and","start":789.90497,"end":790.06494,"confidence":0.97408766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.28914201259613037},{"word":"giving","start":790.06494,"end":790.305,"confidence":0.40101522,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":-0.26986193656921387},{"word":"you're","start":790.305,"end":790.545,"confidence":0.85014886,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.15244577825069427},{"word":"not","start":790.545,"end":790.625,"confidence":0.9997769,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1291494369506836},{"word":"living","start":790.625,"end":790.94495,"confidence":0.99825305,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.22532154619693756},{"word":"with","start":790.94495,"end":791.02496,"confidence":0.99973375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2563384771347046},{"word":"them","start":791.02496,"end":791.52496,"confidence":0.9877846,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.1328534036874771},{"word":"but","start":792.70496,"end":792.94495,"confidence":0.89629495,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02093435823917389},{"word":"in","start":792.94495,"end":793.185,"confidence":0.9760393,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.002926655113697052},{"word":"saying","start":793.185,"end":793.345,"confidence":0.9980976,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.03500215709209442},{"word":"that","start":793.345,"end":793.50494,"confidence":0.9242557,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.03160996735095978},{"word":"you","start":793.50494,"end":793.58496,"confidence":0.9998722,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08165265619754791},{"word":"can","start":793.58496,"end":793.745,"confidence":0.99404013,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10457108169794084},{"word":"still","start":793.745,"end":793.90497,"confidence":0.99081624,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1416061371564865},{"word":"fill","start":793.90497,"end":794.06494,"confidence":0.9716015,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.12364257872104643},{"word":"out","start":794.06494,"end":794.14496,"confidence":0.9942145,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.13852673768997192},{"word":"the","start":794.14496,"end":794.305,"confidence":0.99677473,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11109887063503264},{"word":"forms","start":794.305,"end":794.545,"confidence":0.97809565,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.07894675433635712},{"word":"or","start":794.545,"end":794.70496,"confidence":0.7245857,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.14273464679718018},{"word":"at","start":794.70496,"end":794.785,"confidence":0.9340711,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10354946553707124},{"word":"least","start":794.785,"end":794.94495,"confidence":0.9999002,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.056110188364982605},{"word":"you","start":794.94495,"end":795.02496,"confidence":0.9917026,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13976110517978668},{"word":"can","start":795.02496,"end":795.185,"confidence":0.99887663,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1403757482767105},{"word":"have","start":795.185,"end":795.345,"confidence":0.9998159,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1530568301677704},{"word":"a","start":795.345,"end":795.425,"confidence":0.9994318,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13299506902694702},{"word":"copy","start":795.425,"end":795.665,"confidence":0.9998392,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.09444361925125122},{"word":"to","start":795.665,"end":795.82495,"confidence":0.9993629,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14050555229187012},{"word":"fill","start":795.82495,"end":795.985,"confidence":0.99980885,"punctuated_word":"fill","sentiment":"neutral","sentiment_score":0.14653700590133667},{"word":"out","start":795.985,"end":796.14496,"confidence":0.99788517,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.17160649597644806},{"word":"once","start":796.14496,"end":796.38495,"confidence":0.99885345,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.17220072448253632},{"word":"you","start":796.38495,"end":796.545,"confidence":0.9998739,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10558857768774033},{"word":"get","start":796.545,"end":796.70496,"confidence":0.99992514,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09112010151147842},{"word":"it","start":796.70496,"end":796.865,"confidence":0.9996282,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0728352963924408},{"word":"all","start":796.865,"end":797.02496,"confidence":0.99940765,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.062143824994564056},{"word":"sorted","start":797.02496,"end":797.50494,"confidence":0.984434,"punctuated_word":"sorted,","sentiment":"neutral","sentiment_score":0.15809863805770874},{"word":"which","start":797.50494,"end":797.745,"confidence":0.9999522,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.18127071857452393},{"word":"is","start":797.745,"end":797.985,"confidence":0.9989711,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16216371953487396},{"word":"which","start":797.985,"end":798.14496,"confidence":0.9934958,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.17513974010944366},{"word":"is","start":798.14496,"end":798.38495,"confidence":0.9999341,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21252849698066711},{"word":"fine","start":798.38495,"end":798.88495,"confidence":0.92990637,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.16751909255981445},{"word":"but","start":799.82495,"end":800.14496,"confidence":0.9305256,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0780879408121109},{"word":"that's","start":800.14496,"end":800.46497,"confidence":0.9973438,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08802321553230286},{"word":"a","start":800.46497,"end":800.625,"confidence":0.99627066,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11065696179866792},{"word":"very","start":800.625,"end":801.02496,"confidence":0.9997919,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.09855133295059204},{"word":"sort","start":801.02496,"end":801.105,"confidence":0.99460524,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07904551923274994},{"word":"of","start":801.105,"end":801.36,"confidence":0.99889624,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18128886818885803},{"word":"brief","start":801.68,"end":802.16,"confidence":0.998487,"punctuated_word":"brief","sentiment":"neutral","sentiment_score":0.19752010703086853},{"word":"overview","start":802.16,"end":802.56,"confidence":0.9988586,"punctuated_word":"overview","sentiment":"neutral","sentiment_score":0.21571066975593567},{"word":"of","start":802.56,"end":802.72,"confidence":0.9996519,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23533938825130463},{"word":"the","start":802.72,"end":803.04,"confidence":0.99787533,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2152944803237915},{"word":"estate","start":803.04,"end":803.27997,"confidence":0.9686226,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.10495297610759736},{"word":"planning","start":803.27997,"end":803.51996,"confidence":0.9969394,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.19279226660728457},{"word":"side","start":803.51996,"end":803.76,"confidence":0.9933635,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.15076488256454468},{"word":"of","start":803.76,"end":803.83997,"confidence":0.9993036,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18218690156936648},{"word":"things","start":803.83997,"end":804.07996,"confidence":0.9359249,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.14151129126548767},{"word":"but","start":804.07996,"end":804.24,"confidence":0.99956113,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0397564098238945},{"word":"in","start":804.24,"end":804.39996,"confidence":0.9986902,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0122494138777256},{"word":"regards","start":804.39996,"end":804.8,"confidence":0.9993845,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.005637936294078827},{"word":"to","start":804.8,"end":805.12,"confidence":0.9998435,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03728000819683075},{"word":"superannuation","start":805.12,"end":805.62,"confidence":0.99618196,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.037092406302690506},{"word":"investments","start":806.0,"end":806.5,"confidence":0.9494821,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.016999874264001846},{"word":"anything","start":806.88,"end":807.27997,"confidence":0.9995536,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.0249439999461174},{"word":"that","start":807.27997,"end":807.44,"confidence":0.99955684,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.006967820227146149},{"word":"i've","start":807.44,"end":807.6,"confidence":0.9971971,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04520426318049431},{"word":"discussed","start":807.6,"end":807.92,"confidence":0.9995352,"punctuated_word":"discussed","sentiment":"neutral","sentiment_score":0.10936220735311508},{"word":"there","start":807.92,"end":808.07996,"confidence":0.76503855,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1308940351009369},{"word":"today","start":808.07996,"end":808.24,"confidence":0.9657148,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.04940076917409897},{"word":"is","start":808.24,"end":808.39996,"confidence":0.99169004,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01130755990743637},{"word":"there","start":808.39996,"end":808.48,"confidence":0.99276817,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.0065629929304122925},{"word":"anything","start":808.48,"end":808.72,"confidence":0.94018203,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.031556859612464905},{"word":"you","start":808.72,"end":808.8,"confidence":0.9888732,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.055621810257434845},{"word":"want","start":808.8,"end":808.88,"confidence":0.95535445,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.08577580749988556},{"word":"a","start":808.88,"end":808.95996,"confidence":0.9982844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07737310230731964},{"word":"bit","start":808.95996,"end":809.12,"confidence":0.99865854,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08951471745967865},{"word":"more","start":809.12,"end":809.36,"confidence":0.99958855,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.09265465289354324},{"word":"clarification","start":809.36,"end":809.76,"confidence":0.99921143,"punctuated_word":"clarification","sentiment":"neutral","sentiment_score":-0.04193481057882309},{"word":"on","start":809.76,"end":809.92,"confidence":0.998437,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08079512417316437},{"word":"or","start":809.92,"end":810.07996,"confidence":0.98702675,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.13007627427577972},{"word":"anything","start":810.07996,"end":810.32,"confidence":0.9999002,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.12780803442001343},{"word":"that","start":810.32,"end":810.48,"confidence":0.9997229,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1506877839565277},{"word":"didn't","start":810.48,"end":810.72,"confidence":0.99988115,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.1222740039229393},{"word":"make","start":810.72,"end":810.88,"confidence":0.9979645,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.09941956400871275},{"word":"sense","start":810.88,"end":811.38,"confidence":0.9992569,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":-0.07500085234642029},{"word":"all","start":813.935,"end":814.255,"confidence":0.6798248,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.27930545806884766},{"word":"makes","start":814.255,"end":814.575,"confidence":0.52251285,"punctuated_word":"makes","sentiment":"positive","sentiment_score":0.34494510293006897},{"word":"sense","start":814.575,"end":814.815,"confidence":0.7009373,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.32169294357299805},{"word":"you're","start":814.815,"end":815.135,"confidence":0.79788303,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.324310302734375},{"word":"you're","start":815.135,"end":815.215,"confidence":0.7969204,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3360660970211029},{"word":"comfortable","start":815.215,"end":815.615,"confidence":0.99983335,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.3260270357131958},{"word":"with","start":815.615,"end":815.855,"confidence":0.9998599,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4240797758102417},{"word":"the","start":815.855,"end":815.935,"confidence":0.99931455,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3338029384613037},{"word":"change","start":815.935,"end":816.335,"confidence":0.99964726,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.35444211959838867},{"word":"from","start":816.335,"end":816.495,"confidence":0.87630963,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":0.1809321641921997},{"word":"like","start":816.495,"end":816.895,"confidence":0.998415,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.25343942642211914},{"word":"a","start":816.895,"end":817.135,"confidence":0.996959,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3817883729934693},{"word":"more","start":817.135,"end":817.375,"confidence":0.9991947,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1534527689218521},{"word":"active","start":817.375,"end":817.695,"confidence":0.9997855,"punctuated_word":"active","sentiment":"positive","sentiment_score":0.337374210357666},{"word":"to","start":817.695,"end":817.855,"confidence":0.99926335,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13772819936275482},{"word":"a","start":817.855,"end":818.015,"confidence":0.99883574,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3475944697856903},{"word":"more","start":818.015,"end":818.175,"confidence":0.9999002,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.22091934084892273},{"word":"passive","start":818.175,"end":818.655,"confidence":0.9973694,"punctuated_word":"passive","sentiment":"neutral","sentiment_score":0.26373159885406494},{"word":"approach","start":818.655,"end":818.895,"confidence":0.9997379,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":0.27984756231307983},{"word":"in","start":818.895,"end":819.055,"confidence":0.99872977,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4309952855110169},{"word":"regards","start":819.055,"end":819.375,"confidence":0.9989604,"punctuated_word":"regards","sentiment":"positive","sentiment_score":0.3461019992828369},{"word":"to","start":819.375,"end":819.455,"confidence":0.99966943,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4645423591136933},{"word":"your","start":819.455,"end":819.615,"confidence":0.9985776,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4243192672729492},{"word":"investments","start":819.615,"end":820.015,"confidence":0.9988721,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.2881612479686737},{"word":"and","start":820.015,"end":820.255,"confidence":0.9687751,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4271278083324432},{"word":"how","start":820.255,"end":820.415,"confidence":0.99989164,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.47313594818115234},{"word":"that","start":820.415,"end":820.575,"confidence":0.9997055,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5218622088432312},{"word":"will","start":820.575,"end":820.735,"confidence":0.9975508,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.41449499130249023},{"word":"play","start":820.735,"end":820.895,"confidence":0.997886,"punctuated_word":"play","sentiment":"positive","sentiment_score":0.4435740113258362},{"word":"out","start":820.895,"end":820.975,"confidence":0.959276,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4090251326560974},{"word":"for","start":820.975,"end":821.135,"confidence":0.99533385,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.35210898518562317},{"word":"the","start":821.135,"end":821.215,"confidence":0.9790587,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3893937170505524},{"word":"next","start":821.215,"end":821.455,"confidence":0.99969506,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.30611005425453186},{"word":"few","start":821.455,"end":821.955,"confidence":0.97659147,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.2928028106689453},{"word":"years","start":823.455,"end":823.955,"confidence":0.98028326,"punctuated_word":"years?","sentiment":"positive","sentiment_score":0.3532955050468445},{"word":"perfect","start":824.175,"end":824.675,"confidence":0.9097446,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6308649182319641},{"word":"if","start":825.215,"end":825.375,"confidence":0.92598945,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.3154735267162323},{"word":"you","start":825.375,"end":825.535,"confidence":0.99297583,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30477577447891235},{"word":"did","start":825.535,"end":825.855,"confidence":0.9886537,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.32627585530281067},{"word":"have","start":825.855,"end":825.935,"confidence":0.9988005,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2527482807636261},{"word":"any","start":825.935,"end":826.175,"confidence":0.9990074,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.25300168991088867},{"word":"questions","start":826.175,"end":826.495,"confidence":0.9961661,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.1962370127439499},{"word":"obviously","start":826.495,"end":826.895,"confidence":0.89802,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.26821160316467285},{"word":"feel","start":826.895,"end":827.055,"confidence":0.9985806,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.2967638075351715},{"word":"free","start":827.055,"end":827.215,"confidence":0.9994955,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.25661787390708923},{"word":"to","start":827.215,"end":827.295,"confidence":0.9698121,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2677154839038849},{"word":"give","start":827.295,"end":827.58,"confidence":0.9830768,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2502115070819855},{"word":"us","start":827.58,"end":827.62,"confidence":0.96573967,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.29733696579933167},{"word":"a","start":827.62,"end":827.66003,"confidence":0.9939307,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3259013593196869},{"word":"call","start":827.66003,"end":827.82,"confidence":0.9951756,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.31568077206611633},{"word":"up","start":827.82,"end":828.06,"confidence":0.8607692,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.31569159030914307},{"word":"have","start":828.06,"end":828.3,"confidence":0.99931264,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.383402556180954},{"word":"a","start":828.3,"end":828.46,"confidence":0.99716586,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3493044376373291},{"word":"look","start":828.46,"end":828.62,"confidence":0.6130435,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.21098388731479645},{"word":"through","start":828.62,"end":828.86005,"confidence":0.98312217,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.28955844044685364},{"word":"if","start":828.86005,"end":828.94,"confidence":0.72389054,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.30521517992019653},{"word":"you","start":828.94,"end":829.10004,"confidence":0.99893945,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2732672691345215},{"word":"wanted","start":829.10004,"end":829.34,"confidence":0.5425987,"punctuated_word":"wanted,","sentiment":"neutral","sentiment_score":0.2259618639945984},{"word":"or","start":829.34,"end":829.5,"confidence":0.99952054,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2446770966053009},{"word":"if","start":829.5,"end":829.58,"confidence":0.99844056,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2307961583137512},{"word":"you","start":829.58,"end":829.74,"confidence":0.9982987,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25332361459732056},{"word":"did","start":829.74,"end":829.9,"confidence":0.9997265,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.30506622791290283},{"word":"sign","start":829.9,"end":830.14,"confidence":0.99801147,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.18010304868221283},{"word":"it","start":830.14,"end":830.3,"confidence":0.87970036,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.387043833732605},{"word":"that'd","start":830.3,"end":830.54004,"confidence":0.68779016,"punctuated_word":"that'd","sentiment":"positive","sentiment_score":0.4815499782562256},{"word":"get","start":830.54004,"end":830.7,"confidence":0.99752504,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4984924793243408},{"word":"the","start":830.7,"end":831.2,"confidence":0.9988655,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5607389807701111},{"word":"investment","start":832.62,"end":833.12,"confidence":0.6845715,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.30407100915908813},{"word":"switch","start":833.26,"end":833.76,"confidence":0.9702728,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.3197041153907776},{"word":"done","start":833.82,"end":834.14,"confidence":0.98398376,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.3936895728111267},{"word":"sort","start":834.14,"end":834.3,"confidence":0.9572188,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2979111075401306},{"word":"of","start":834.3,"end":834.46,"confidence":0.9729432,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4188086688518524},{"word":"probably","start":834.46,"end":834.86005,"confidence":0.9959884,"punctuated_word":"probably","sentiment":"positive","sentiment_score":0.4072730839252472},{"word":"next","start":834.86005,"end":835.18,"confidence":0.99851733,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.4087302088737488},{"word":"week","start":835.18,"end":835.42004,"confidence":0.9997198,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.31416216492652893},{"word":"sometime","start":835.42004,"end":835.92004,"confidence":0.7484585,"punctuated_word":"sometime.","sentiment":"neutral","sentiment_score":-0.0031673209741711617},{"word":"and","start":836.3,"end":836.46,"confidence":0.9801773,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02735573798418045},{"word":"then","start":836.46,"end":836.7,"confidence":0.99945444,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.01070939004421234},{"word":"that","start":836.7,"end":836.86005,"confidence":0.99464923,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0011076480150222778},{"word":"would","start":836.86005,"end":837.02,"confidence":0.48826247,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02692124992609024},{"word":"all","start":837.02,"end":837.18,"confidence":0.99662685,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.007309801876544952},{"word":"be","start":837.18,"end":837.34,"confidence":0.9994091,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.005696333944797516},{"word":"enforced","start":837.34,"end":837.66003,"confidence":0.7007308,"punctuated_word":"enforced,","sentiment":"neutral","sentiment_score":0.005150400102138519},{"word":"and","start":837.66003,"end":837.74,"confidence":0.99901605,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.031698524951934814},{"word":"then","start":837.74,"end":837.98004,"confidence":0.9992331,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04825787991285324},{"word":"it's","start":837.98004,"end":838.14,"confidence":0.9995034,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.021059677004814148},{"word":"up","start":838.14,"end":838.22003,"confidence":0.9997708,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03234144300222397},{"word":"to","start":838.22003,"end":838.38,"confidence":0.9943193,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02431458979845047},{"word":"the","start":838.38,"end":838.46,"confidence":0.9810115,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02729114145040512},{"word":"state","start":838.46,"end":838.7,"confidence":0.5312935,"punctuated_word":"state","sentiment":"neutral","sentiment_score":0.04602152109146118},{"word":"planning","start":838.7,"end":839.02,"confidence":0.91712886,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.09838171303272247},{"word":"side","start":839.02,"end":839.26,"confidence":0.804585,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.03464745730161667},{"word":"of","start":839.26,"end":839.34,"confidence":0.9018687,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05200131610035896},{"word":"you","start":839.34,"end":839.82,"confidence":0.8411778,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07924947887659073},{"word":"to","start":839.82,"end":839.98004,"confidence":0.6263678,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05839945748448372},{"word":"do","start":839.98004,"end":840.14,"confidence":0.815366,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.043587952852249146},{"word":"in","start":840.14,"end":840.3,"confidence":0.9454131,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05582733452320099},{"word":"your","start":840.3,"end":840.54004,"confidence":0.984363,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05926128849387169},{"word":"your","start":840.54004,"end":840.62,"confidence":0.7850887,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.058455586433410645},{"word":"own","start":840.62,"end":840.78,"confidence":0.9982109,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.065272755920887},{"word":"time","start":840.78,"end":840.94,"confidence":0.8798369,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.05097229778766632},{"word":"but","start":840.94,"end":841.10004,"confidence":0.99913186,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05308212339878082},{"word":"they'll","start":841.10004,"end":841.26,"confidence":0.9805928,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.07137636840343475},{"word":"send","start":841.26,"end":841.5,"confidence":0.9994653,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.08856923878192902},{"word":"you","start":841.5,"end":841.66003,"confidence":0.99975413,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1011335626244545},{"word":"the","start":841.66003,"end":841.74,"confidence":0.99970895,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08295106887817383},{"word":"forms","start":841.74,"end":842.06,"confidence":0.9996412,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.05266743525862694},{"word":"at","start":842.06,"end":842.22003,"confidence":0.89099383,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.036643996834754944},{"word":"least","start":842.22003,"end":842.655,"confidence":0.9986813,"punctuated_word":"least.","sentiment":"neutral","sentiment_score":0.05409128218889237},{"word":"and","start":844.41504,"end":844.49506,"confidence":0.9986206,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15853680670261383},{"word":"then","start":844.49506,"end":844.655,"confidence":0.8627114,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10176575928926468},{"word":"if","start":844.655,"end":844.73505,"confidence":0.9981639,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17524662613868713},{"word":"you","start":844.73505,"end":844.895,"confidence":0.99986887,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20463384687900543},{"word":"have","start":844.895,"end":844.97504,"confidence":0.9997315,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1506919413805008},{"word":"any","start":844.97504,"end":845.135,"confidence":0.99960023,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1290760040283203},{"word":"questions","start":845.135,"end":845.455,"confidence":0.9996339,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1383049488067627},{"word":"regarding","start":845.455,"end":845.775,"confidence":0.99913114,"punctuated_word":"regarding","sentiment":"neutral","sentiment_score":0.09712696075439452},{"word":"that","start":845.775,"end":845.85504,"confidence":0.9965905,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1056683287024498},{"word":"you","start":845.85504,"end":846.015,"confidence":0.9999101,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1364404708147049},{"word":"can","start":846.015,"end":846.17505,"confidence":0.9998419,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15099599957466123},{"word":"always","start":846.17505,"end":846.49506,"confidence":0.9998622,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.18329674005508423},{"word":"give","start":846.49506,"end":846.655,"confidence":0.9989862,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.13008856773376465},{"word":"us","start":846.655,"end":846.815,"confidence":0.9997335,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.11590361595153809},{"word":"a","start":846.815,"end":846.895,"confidence":0.99883395,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1404448300600052},{"word":"call","start":846.895,"end":847.05505,"confidence":0.96749747,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.12744204699993134},{"word":"but","start":847.05505,"end":847.29504,"confidence":0.9994168,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1341511607170105},{"word":"anything","start":847.29504,"end":847.61505,"confidence":0.9962095,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.11231599748134612},{"word":"else","start":847.61505,"end":847.775,"confidence":0.9997378,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.10756206512451172},{"word":"you","start":847.775,"end":847.85504,"confidence":0.9537418,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08175528794527054},{"word":"wanna","start":847.85504,"end":848.015,"confidence":0.66981035,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1191013902425766},{"word":"have","start":848.015,"end":848.05505,"confidence":0.72692406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12819215655326843},{"word":"a","start":848.05505,"end":848.09503,"confidence":0.8957299,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10501761734485626},{"word":"chat","start":848.09503,"end":848.335,"confidence":0.99989724,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.09095239639282228},{"word":"about","start":848.335,"end":848.49506,"confidence":0.9994388,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09263531863689424},{"word":"while","start":848.49506,"end":848.655,"confidence":0.93759805,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.06053370609879494},{"word":"you've","start":848.655,"end":848.815,"confidence":0.99832076,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.057427119463682175},{"word":"got","start":848.815,"end":848.97504,"confidence":0.9968829,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10927751660346983},{"word":"me","start":848.97504,"end":849.05505,"confidence":0.9993637,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05161742120981216},{"word":"there","start":849.05505,"end":849.29504,"confidence":0.99796355,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08023975044488907},{"word":"at","start":849.29504,"end":849.375,"confidence":0.9959889,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04201074689626694},{"word":"all","start":849.375,"end":849.53503,"confidence":0.99963677,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07370133697986603},{"word":"then","start":849.53503,"end":850.03503,"confidence":0.9594951,"punctuated_word":"then?","sentiment":"neutral","sentiment_score":0.08079876005649567},{"word":"not","start":852.335,"end":852.575,"confidence":0.9945673,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.4975383579730987},{"word":"a","start":852.575,"end":852.655,"confidence":0.9996823,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.45036065578460693},{"word":"problem","start":852.655,"end":852.97504,"confidence":0.9998485,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.4394938945770264},{"word":"at","start":852.97504,"end":853.135,"confidence":0.99988186,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4921944737434387},{"word":"all","start":853.135,"end":853.375,"confidence":0.9987526,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.4573936462402344},{"word":"any","start":853.375,"end":853.61505,"confidence":0.9710514,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.17897401750087738},{"word":"questions","start":853.61505,"end":853.93506,"confidence":0.99970907,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.20375517010688785},{"word":"you","start":853.93506,"end":854.09503,"confidence":0.9912054,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20020350813865664},{"word":"do","start":854.09503,"end":854.17505,"confidence":0.99892896,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16039365530014038},{"word":"have","start":854.17505,"end":854.41504,"confidence":0.9912209,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2325519472360611},{"word":"or","start":854.41504,"end":854.49506,"confidence":0.9762365,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.17390663921833038},{"word":"do","start":854.49506,"end":854.655,"confidence":0.9969177,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13912400603294373},{"word":"come","start":854.655,"end":854.815,"confidence":0.98267174,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.16451089084148407},{"word":"up","start":854.815,"end":854.97504,"confidence":0.975345,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.14689293503761292},{"word":"feel","start":854.97504,"end":855.215,"confidence":0.999044,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.18910372257232663},{"word":"free","start":855.215,"end":855.375,"confidence":0.9817954,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.19600257277488708},{"word":"to","start":855.375,"end":855.53503,"confidence":0.98094577,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22018630802631375},{"word":"give","start":855.53503,"end":855.695,"confidence":0.9975291,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.15997296571731567},{"word":"us","start":855.695,"end":856.09503,"confidence":0.99873024,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.17467984557151794},{"word":"a","start":856.09503,"end":856.255,"confidence":0.99944276,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21840298175811768},{"word":"a","start":856.255,"end":856.335,"confidence":0.80317104,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18259313702583313},{"word":"ring","start":856.335,"end":856.575,"confidence":0.83258694,"punctuated_word":"ring,","sentiment":"neutral","sentiment_score":0.12823127210140228},{"word":"but","start":856.575,"end":856.73505,"confidence":0.99963725,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08489174395799637},{"word":"otherwise","start":856.73505,"end":857.05505,"confidence":0.76136637,"punctuated_word":"otherwise,","sentiment":"neutral","sentiment_score":0.10925638675689696},{"word":"i'll","start":857.05505,"end":857.135,"confidence":0.9904947,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2497902512550354},{"word":"let","start":857.135,"end":857.29504,"confidence":0.99959594,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.26316744089126587},{"word":"you","start":857.29504,"end":857.375,"confidence":0.9996979,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3467148244380951},{"word":"get","start":857.375,"end":857.53503,"confidence":0.9967277,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.23564451932907104},{"word":"back","start":857.53503,"end":857.695,"confidence":0.99985826,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.23392125964164737},{"word":"to","start":857.695,"end":857.775,"confidence":0.9760475,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30169478058815},{"word":"your","start":857.775,"end":857.93506,"confidence":0.92714864,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.37912890315055847},{"word":"afternoon","start":857.93506,"end":858.43506,"confidence":0.99903667,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.33754462003707886},{"word":"cheers","start":860.6069,"end":860.8469,"confidence":0.8766183,"punctuated_word":"Cheers,","sentiment":"positive","sentiment_score":0.7880100607872009},{"word":"benjamin","start":860.8469,"end":861.1669,"confidence":0.9811194,"punctuated_word":"Benjamin.","sentiment":"positive","sentiment_score":0.7631295919418335},{"word":"you","start":861.1669,"end":861.3269,"confidence":0.9976446,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.7762835621833801},{"word":"enjoy","start":861.3269,"end":861.5669,"confidence":0.9992428,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.7898615598678589},{"word":"the","start":861.5669,"end":861.6469,"confidence":0.9986425,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.8131527304649353},{"word":"rest","start":861.6469,"end":861.8069,"confidence":0.9997975,"punctuated_word":"rest","sentiment":"positive","sentiment_score":0.8103252053260803},{"word":"of","start":861.8069,"end":861.8869,"confidence":0.9920176,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.824918270111084},{"word":"your","start":861.8869,"end":862.0469,"confidence":0.6115127,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8213341236114502},{"word":"hour","start":862.0469,"end":862.2069,"confidence":0.86129236,"punctuated_word":"hour.","sentiment":"positive","sentiment_score":0.7954124212265015},{"word":"i'll","start":862.2069,"end":862.3669,"confidence":0.98059064,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4590407609939575},{"word":"talk","start":862.3669,"end":862.6069,"confidence":0.9966377,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.5423046350479126},{"word":"soon","start":862.6069,"end":862.8469,"confidence":0.96638036,"punctuated_word":"soon.","sentiment":"positive","sentiment_score":0.4744774103164673},{"word":"bye","start":862.8469,"end":863.3469,"confidence":0.9936578,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.3058900535106659}],"paragraphs":{"transcript":"\nYeah. I'm not too sure if it's a bad connection or not, but I'm not too sure why it keeps dropping out there. Yeah. I'll try and make it a little bit quicker so in case you have a bad connection, it keeps dropping out there. But again, unfortunately, if I could just pass you through security yep.\n\nSorry. Thanks. And and then, yeah, these calls are recorded there. As I was saying there, so the high growth portfolio is about that ninety ten split. So it would be increasing your exposure slightly to those growth assets aiming for that longer term.\n\nGrowth, obviously, in the short term with the war and everything, it's likely to have a bit more volatility, and we'll see those higher fluctuations of ups and downs. But over the long term, having that higher allocation of growth assets does mean that you have the chance and exposure to get more capital growth over that longer period of time. Now in regards to best interest, Judy, obviously, maintaining hub twenty four, it means you don't have to pay as large capital gains because we'll be looking at keeping a core of your portfolio the same. Within regards to that portfolio that or platform that you're familiar with, it's still competitive in the market. It's like, with its reporting capabilities and ease of advice implementation for more advanced strategies, adviser led.\n\nIt is still a competitive market and product in the market. And then with that, we're aiming to just put you in a better position over that next five to ten year period as I was saying. Now the recommended portfolio although your portfolio has done quite well, minus the Benelon, we're looking at recommending you a more lower cost investment option moving forward that's a bit more passive, reduced fees that's, gonna increase the amount of money you have going towards your investments and returns over the long term and that compounding effect will result in a a CGT liability of around the $420. But with that, the investment saving each year will be around $377 per annum. So with that, in a couple of years, you would have recouped the cost of the CDT and the switch just on those fee savings alone with the investment switch.\n\nNow within regards to that, it will help increase your diversification there with the areas that we're looking at recommending in the portfolio. It'll reduce the volatility in the portfolio even though you're increasing your exposure to growth assets because we are looking at removing those actively managed funds and just having that index approach, which means you're just tracking the indexes. You're not aiming to outperform that market. You're just looking to track what the market's doing. And then with that, removes the level of management risk there as well in your portfolio.\n\nSo although you're increasing your risk in terms of having more growth assets, you won't have that active management risk like what occurred with Bennelong. You're just tracking what the market's doing. If the market's doing well, you do quite well. If the market take a bit of a dip, although your super might take a little bit of a dip as well, it just means that unless you're with a fund manager that actually picked the winners in that scenario, then likelihood would be that your super would take that dip as well like what happened with METALON except that was outside that, and it almost did worse than the indexes over that period of time, if that makes sense. Okay.\n\nSo the the main thing there is, obviously, you're just you're changing up your investments. You're removing those active management risks, which means you don't have anyone that is managing the fund and picking and choosing the investments. It just means that, say, like, the S and P 500, top 500 companies in America, you hold those top 500. And if a company gets big enough and goes into that comp top 500, you'll own it. And if it gets worse and falls out, then it'll drop out.\n\nYou're not having a manager picking and choosing winners, whereas, like, Benelon was picking and choosing, and they picked the wrong wrong investment. And then with that announcement, caused their fund to take a bit of a dive, whereas that doesn't typically occur to the extent that it happened with Benelon in an index fund, if that makes sense. Perfect. So the advantages of that is it's a lower investment fee. It's along with the agreed risk profile increasing that risk.\n\nYou'd be able to remain a client at Ophi Financial, and you'll eliminate that manager risk. Disadvantages is there's no guarantee that investments obviously perform as recommended. That's the one thing that's, you know, poor about investments in the market is that you're not guaranteed to get the returns of those funds. It's the one thing that isn't guaranteed because past performance is an indicative of future performance, but hopefully being those index funds, it sets you up a nice long term sustained growth. And then with that, you will pay some brokerage costs and that CGT liability, but hopefully over the long term paying less investment costs, it just puts you in a better position and it has a little less volatility while increasing your exposure to those growth assets.\n\nYep. Perfect. Now the short term risk there is when changing up those investments with the markets are currently with the war, you may miss out on some potential gains if the market was to take a bit of a die or jump while you're sort of in in cash, if it takes a bit of a dive in that period, you get it for a little bit less. That's just something to be mindful of. But given your age, you do have plenty of time to recover even if it is a few percent bump while you're sitting in cash there to buy back in.\n\nThat's just something to be aware of. And then with the alternatives, we did look at sort of alternative funds, maintaining active investment, but due to the the high cost of active management and then the lower historical investment returns at the moment and then high capital gains implications, we discontinued that. And then also looking at changing funds potentially to achieve a platform, it just worked out with the capital gains liability you have there. It's just better off staying with hub with the benefits you do get there, if that makes sense. Perfect.\n\nOn page 16 there, you will be able to see the changes in those investments, what you'll be selling out of and what you'll be buying into. Now with that, the core of your portfolio will be the S and P 500, the top 500 companies in America. And then you'll also have in that the main call bit will be the BetaShares Australian 200, which is the top 200 companies in Australia. And then around that, you'll also have, in addition to that, some bonds for defensive asset, a Vanguard All World excluding US to get some exposure outside The US, and then you'll have Japan and Europe in that portfolio there as well. And then some physical gold and then beta share cybersecurity would be the the other investments in your portfolio.\n\nYou'll be able to see those buy sells on page sixteen and seventeen there if you do wanna have a look at those. And then the main thing there on page 18, you'll be able to see that you'll move from about 86% in growth assets, about 13% defensive to around 95% growth assets, around 5% defensive, if that makes sense. Perfect. Do you have any questions in regards to that investment switch or the changes in your investment? Yeah.\n\nNot a problem at all. Now on page 19 there, you'll be able to see an illustration of that of the cost savings in regards to your investment, the capital gains bill that you would be paying there, and then the within regards to that one, on average, it will be around $250 you'll save in terms of, like, cost savings year on year. With the investment cost, obviously, your superannuation as that grows, that figure changes. And then the recommended investment has historically performed better over a three year period. But in saying that past performance isn't indicative of those future performance, the markets aren't gonna replicate year on year.\n\nI don't know what Trump's doing today, let alone tomorrow or what he's gonna tweet, and that has a direct correlation of sort of what the markets are doing. But in saying that over a long term period of time, having those index investments over that sort of twenty year period, maintaining invested, doing your contributions, it's historically showing that they do perform generally better than actively managed funds. And then with that, carry a little bit less volatility as long as the market's doing well. And if the market's doing poorly, it means that everyone's probably in the same boat much like now at the moment with the war or like a COVID event per se. So the goal is that obviously put you in a bit of a position over that next five to ten years.\n\nThere is an illustration of that shows that what that might look like based on those past figures. But as I said, that's to be taken with a grain of salt. That's not like a a guaranteed return in five to ten years' time. It just shows you if the markets perform the exact same for the next three years as they did the past three years, that's what it might look like year on year. Do you have any questions in regards to the superannuation side of things or that investment change?\n\nHappy. In regards to the beneficiary nominations, we are recommending that set up a will and then establish a binding nomination to your legal personal representative, which will go to your estate. That's just given the fact that you do wanna nominate, like, sisters, mothers, you know, father, things like that. It just means that the nomination would be valid. Now the options for a will, there there are post office wills out there that aren't the most ironclad things, but they're generally cheaper, or you can go to a solicitor that will help you prepare a will, and then you can set up your nominations just to go to your legal person representative.\n\nYou can preemptively fill out those forms to legal person represent representative to go to your state. It just means that you need a will in place to be able to distribute those funds per your wishes, if that makes sense. Now that could change in the future if you had a spouse in a year's time and you do wanna nominate them. That's more than fine. You just fill out the form and change it to your spouse.\n\nThat's no problem at all. Obviously, going to your estate, there is a little bit of a different tack as to where it goes to individuals that may be taxed. So given that it's going to your estate there, the benefit of that is you don't get the the Medicare levy, but you still do get a a little bit of tax there when going there as opposed to having a dependent. But given even if you had an independent relationship, that adult is likely to be taxed even if they saw that as an interdependent relationship, if that makes sense. Yep.\n\nAnd then if it's a nondepen tax dependent such as, like, an adult that is independent relationship, it would still be, like, 15% super tax and then 2% Medicare levy for that individual as opposed to going to your estate there. I think, obviously, the benefit of setting up a will is, like, your assets that you do hold get distributed per your wishes in addition to your superannuation balances should anything happen. Now a power of attorney there the benefit of power of attorney, if anything did happen to where you were incapacitated, there is someone that there that might be able to make financial or medical health decisions for you. If you do set up, like, an advanced health care directive, things like that, it takes a lot of the decisions out of, like, your family's hands should something go wrong if you put it on a piece of paper form in addition to the fact that it's able to sort of pay bills on your behalf and not sort of have to go through the courts to to get that if you do have that in conjunction with the will. If anything sort of was to happen where you're unable to make some financial decisions for yourself.\n\nDo you have any questions in regards to those two things? Obviously, I skipped over those a little bit because we've discussed, like, wills and estates previously. But do you have any questions regarding wills and estates? All all make sense? Yep.\n\nObviously, at any point, you can give us a call up if you were sort of thinking about going down. Does the solicitor have any questions regarding that? You can always give us a call and have a chat about that. That's no problem at all. Obviously, in regards to the adviser fee, it is still the 1.65% of the superannuation balance is around the 1,900 or $1,961 and then 22% of the Clearview insurance premium, which is around $244.\n\nNow that's based on percentage of the the balance and then percentage of your premium. You don't pay us an additional cost for the insurance that we do receive. We just get it as a remuneration for holding a policy with that insurer out of the premium that you pay them. We just have to disclose it based on the fact that we do receive it. Obviously, the superannuation fee for ongoing client, that comes directly out of your superannuation, if that all makes sense.\n\nDo you have any questions in regards to fee or how that's charged or anything there, Benjamin? Not a problem at all. Now in regards to the advice piece, if you were happy to implement everything, if you did sign the document, they would update the investments on your behalf and switch that for you once you did sign. And then they would send you out the the beneficiary forms, and it'd be up to you to be able to fill those out and send those back, and then also in regards to speaking with a lawyer and setting up the will and a power of attorney. Yeah.\n\nYou can still fill them out preemptively and then just have it yeah. And then, like, obviously, you know, as long as nothing happens between no. You can just fill out the beneficiaries as, like, legal person representative is the recommendation. And then once you set up your will, it's not until anything happens that it actually means anything. It's just on file.\n\nYou can obviously, as long as nothing happens for now and you setting up your will, that's more than fine. And even if it did, the likelihood even if you had, like, your mother, sister, or anything as a nomination, the likelihood they would find it as a as a nomination, the likelihood they would find it as a non valid nomination, and it would likely end up at your estate anyway unless they, yeah, sorta saw any sort of independent relationship, which is generally quite rare if you rare if you're not sort of supporting them financially or anything like that and giving you're not living with them. But in saying that, you can still fill out the forms or at least you can have a copy to fill out once you get it all sorted, which is which is fine. But that's a very sort of brief overview of the estate planning side of things. But in regards to superannuation investments, anything that I've discussed there today, is there anything you want a bit more clarification on or anything that didn't make sense All makes sense?\n\nYou're you're comfortable with the change from, like, a more active to a more passive approach in regards to your investments and how that will play out for the next few years? Perfect. If you did have any questions, obviously, feel free to give us a call up, have a look through if you wanted, or if you did sign it, that'd get the investment switch done sort of probably next week sometime. And then that would all be enforced, and then it's up to the state planning side of you to do in your your own time, but they'll send you the forms at least. And then if you have any questions regarding that, you can always give us a call.\n\nBut anything else you wanna have a chat about while you've got me there at all then? Not a problem at all. Any questions you do have or do come up, feel free to give us a a ring, but otherwise, I'll let you get back to your afternoon. Cheers, Benjamin. You enjoy the rest of your hour.\n\nI'll talk soon. Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":3.36,"end":3.6799998,"sentiment":"neutral","sentiment_score":-0.14371110498905182},{"text":"I'm not too sure if it's a bad connection or not, but I'm not too sure why it keeps dropping out there.","start":3.6799998,"end":8.74,"sentiment":"negative","sentiment_score":-0.4010730656710538},{"text":"Yeah.","start":11.28,"end":11.679999,"sentiment":"neutral","sentiment_score":-0.00830165296792984},{"text":"I'll try and make it a little bit quicker so in case you have a bad connection, it keeps dropping out there.","start":11.679999,"end":16.275,"sentiment":"neutral","sentiment_score":-0.09992060454731638},{"text":"But again, unfortunately, if I could just pass you through security yep.","start":16.275,"end":22.535,"sentiment":"neutral","sentiment_score":-0.10538755904417485}],"sentiment":"neutral","sentiment_score":-0.21445731398777973,"num_words":58,"start":3.36,"end":22.535},{"sentences":[{"text":"Sorry.","start":24.755,"end":25.075,"sentiment":"neutral","sentiment_score":0.03052840754389763},{"text":"Thanks.","start":25.075,"end":25.395,"sentiment":"neutral","sentiment_score":0.32336121797561646},{"text":"And and then, yeah, these calls are recorded there.","start":25.395,"end":27.895,"sentiment":"neutral","sentiment_score":0.0691884598798222},{"text":"As I was saying there, so the high growth portfolio is about that ninety ten split.","start":28.14,"end":32.22,"sentiment":"neutral","sentiment_score":0.10553155397064984},{"text":"So it would be increasing your exposure slightly to those growth assets aiming for that longer term.","start":32.22,"end":36.72,"sentiment":"neutral","sentiment_score":0.17590984833591125}],"sentiment":"neutral","sentiment_score":0.12853541021997278,"num_words":44,"start":24.755,"end":36.72},{"sentences":[{"text":"Growth, obviously, in the short term with the war and everything, it's likely to have a bit more volatility, and we'll see those higher fluctuations of ups and downs.","start":36.78,"end":43.875,"sentiment":"neutral","sentiment_score":-0.07549532515735462},{"text":"But over the long term, having that higher allocation of growth assets does mean that you have the chance and exposure to get more capital growth over that longer period of time.","start":44.435,"end":52.614998,"sentiment":"neutral","sentiment_score":0.32678078301250935},{"text":"Now in regards to best interest, Judy, obviously, maintaining hub twenty four, it means you don't have to pay as large capital gains because we'll be looking at keeping a core of your portfolio the same.","start":53.315,"end":62.13,"sentiment":"neutral","sentiment_score":0.30934131145477295},{"text":"Within regards to that portfolio that or platform that you're familiar with, it's still competitive in the market.","start":62.51,"end":68.35,"sentiment":"positive","sentiment_score":0.39259085224734414},{"text":"It's like, with its reporting capabilities and ease of advice implementation for more advanced strategies, adviser led.","start":68.35,"end":75.91499,"sentiment":"positive","sentiment_score":0.4672197278808145}],"sentiment":"neutral","sentiment_score":0.26070665570935514,"num_words":132,"start":36.78,"end":75.91499},{"sentences":[{"text":"It is still a competitive market and product in the market.","start":76.134995,"end":79.515,"sentiment":"positive","sentiment_score":0.5706459175456654},{"text":"And then with that, we're aiming to just put you in a better position over that next five to ten year period as I was saying.","start":80.534996,"end":85.814995,"sentiment":"positive","sentiment_score":0.5272415584096541},{"text":"Now the recommended portfolio although your portfolio has done quite well, minus the Benelon, we're looking at recommending you a more lower cost investment option moving forward that's a bit more passive, reduced fees that's, gonna increase the amount of money you have going towards your investments and returns over the long term and that compounding effect will result in a a CGT liability of around the $420.","start":85.814995,"end":109.09499,"sentiment":"neutral","sentiment_score":0.3075804969514994},{"text":"But with that, the investment saving each year will be around $377 per annum.","start":109.475,"end":114.1,"sentiment":"neutral","sentiment_score":0.2660106101206371},{"text":"So with that, in a couple of years, you would have recouped the cost of the CDT and the switch just on those fee savings alone with the investment switch.","start":114.1,"end":121.96,"sentiment":"positive","sentiment_score":0.3428025444348653}],"sentiment":"positive","sentiment_score":0.36851734415496756,"num_words":149,"start":76.134995,"end":121.96},{"sentences":[{"text":"Now within regards to that, it will help increase your diversification there with the areas that we're looking at recommending in the portfolio.","start":123.21999,"end":130.485,"sentiment":"positive","sentiment_score":0.4631293610386226},{"text":"It'll reduce the volatility in the portfolio even though you're increasing your exposure to growth assets because we are looking at removing those actively managed funds and just having that index approach, which means you're just tracking the indexes.","start":131.105,"end":141.8,"sentiment":"neutral","sentiment_score":0.17549088731026039},{"text":"You're not aiming to outperform that market.","start":141.8,"end":143.64,"sentiment":"neutral","sentiment_score":-0.008186969373907362},{"text":"You're just looking to track what the market's doing.","start":143.64,"end":145.98,"sentiment":"neutral","sentiment_score":0.1100337335632907},{"text":"And then with that, removes the level of management risk there as well in your portfolio.","start":146.76,"end":151.95999,"sentiment":"neutral","sentiment_score":-0.06517617241479456}],"sentiment":"neutral","sentiment_score":0.1849605953915322,"num_words":94,"start":123.21999,"end":151.95999},{"sentences":[{"text":"So although you're increasing your risk in terms of having more growth assets, you won't have that active management risk like what occurred with Bennelong.","start":151.95999,"end":158.60501,"sentiment":"neutral","sentiment_score":-0.137417920678854},{"text":"You're just tracking what the market's doing.","start":159.30501,"end":160.825,"sentiment":"neutral","sentiment_score":0.023630401651774133},{"text":"If the market's doing well, you do quite well.","start":160.825,"end":162.74501,"sentiment":"neutral","sentiment_score":0.13616942365964255},{"text":"If the market take a bit of a dip, although your super might take a little bit of a dip as well, it just means that unless you're with a fund manager that actually picked the winners in that scenario, then likelihood would be that your super would take that dip as well like what happened with METALON except that was outside that, and it almost did worse than the indexes over that period of time, if that makes sense.","start":162.74501,"end":185.805,"sentiment":"negative","sentiment_score":-0.352347463183105},{"text":"Okay.","start":188.025,"end":188.525,"sentiment":"neutral","sentiment_score":0.049891892820596695}],"sentiment":"neutral","sentiment_score":-0.2473968488057373,"num_words":122,"start":151.95999,"end":188.525},{"sentences":[{"text":"So the the main thing there is, obviously, you're just you're changing up your investments.","start":188.905,"end":193.065,"sentiment":"neutral","sentiment_score":0.025681283324956894},{"text":"You're removing those active management risks, which means you don't have anyone that is managing the fund and picking and choosing the investments.","start":193.065,"end":199.36,"sentiment":"neutral","sentiment_score":-0.08877585536759833},{"text":"It just means that, say, like, the S and P 500, top 500 companies in America, you hold those top 500.","start":199.36,"end":205.36,"sentiment":"neutral","sentiment_score":0.04810505750633422},{"text":"And if a company gets big enough and goes into that comp top 500, you'll own it.","start":205.36,"end":209.28,"sentiment":"neutral","sentiment_score":0.04597177970058778},{"text":"And if it gets worse and falls out, then it'll drop out.","start":209.28,"end":212.025,"sentiment":"neutral","sentiment_score":-0.25224056172495085}],"sentiment":"neutral","sentiment_score":-0.03286120115610009,"num_words":88,"start":188.905,"end":212.025},{"sentences":[{"text":"You're not having a manager picking and choosing winners, whereas, like, Benelon was picking and choosing, and they picked the wrong wrong investment.","start":212.025,"end":218.44499,"sentiment":"negative","sentiment_score":-0.3344723932121111},{"text":"And then with that announcement, caused their fund to take a bit of a dive, whereas that doesn't typically occur to the extent that it happened with Benelon in an index fund, if that makes sense.","start":218.745,"end":227.19,"sentiment":"neutral","sentiment_score":-0.1825717446497745},{"text":"Perfect.","start":228.95,"end":229.45,"sentiment":"positive","sentiment_score":0.44743168354034424},{"text":"So the advantages of that is it's a lower investment fee.","start":229.83,"end":232.81,"sentiment":"positive","sentiment_score":0.4778359044681896},{"text":"It's along with the agreed risk profile increasing that risk.","start":232.87,"end":235.19,"sentiment":"positive","sentiment_score":0.5043933838605881}],"sentiment":"neutral","sentiment_score":-0.04343070839474231,"num_words":81,"start":212.025,"end":235.19},{"sentences":[{"text":"You'd be able to remain a client at Ophi Financial, and you'll eliminate that manager risk.","start":235.19,"end":238.97,"sentiment":"positive","sentiment_score":0.4743896033614874},{"text":"Disadvantages is there's no guarantee that investments obviously perform as recommended.","start":239.03,"end":243.495,"sentiment":"negative","sentiment_score":-0.35384429042989557},{"text":"That's the one thing that's, you know, poor about investments in the market is that you're not guaranteed to get the returns of those funds.","start":243.55501,"end":250.515,"sentiment":"negative","sentiment_score":-0.3487447756528854},{"text":"It's the one thing that isn't guaranteed because past performance is an indicative of future performance, but hopefully being those index funds, it sets you up a nice long term sustained growth.","start":250.515,"end":258.45,"sentiment":"neutral","sentiment_score":-0.0164143571164459},{"text":"And then with that, you will pay some brokerage costs and that CGT liability, but hopefully over the long term paying less investment costs, it just puts you in a better position and it has a little less volatility while increasing your exposure to those growth assets.","start":259.49002,"end":271.67,"sentiment":"neutral","sentiment_score":0.23598801344633102}],"sentiment":"neutral","sentiment_score":0.04233209367926794,"num_words":131,"start":235.19,"end":271.67},{"sentences":[{"text":"Yep.","start":274.055,"end":274.555,"sentiment":"neutral","sentiment_score":0.1314148306846619},{"text":"Perfect.","start":274.775,"end":275.275,"sentiment":"neutral","sentiment_score":0.2262696921825409},{"text":"Now the short term risk there is when changing up those investments with the markets are currently with the war, you may miss out on some potential gains if the market was to take a bit of a die or jump while you're sort of in in cash, if it takes a bit of a dive in that period, you get it for a little bit less.","start":275.73502,"end":289.69,"sentiment":"neutral","sentiment_score":-0.03313507067401018},{"text":"That's just something to be mindful of.","start":289.69,"end":290.97,"sentiment":"neutral","sentiment_score":-0.08404739307505744},{"text":"But given your age, you do have plenty of time to recover even if it is a few percent bump while you're sitting in cash there to buy back in.","start":290.97,"end":299.23,"sentiment":"neutral","sentiment_score":-0.02964543675382932}],"sentiment":"neutral","sentiment_score":-0.031510000626714725,"num_words":106,"start":274.055,"end":299.23},{"sentences":[{"text":"That's just something to be aware of.","start":299.69,"end":301.31,"sentiment":"neutral","sentiment_score":-0.057288758456707},{"text":"And then with the alternatives, we did look at sort of alternative funds, maintaining active investment, but due to the the high cost of active management and then the lower historical investment returns at the moment and then high capital gains implications, we discontinued that.","start":301.585,"end":316.53,"sentiment":"neutral","sentiment_score":-0.10063793833057086},{"text":"And then also looking at changing funds potentially to achieve a platform, it just worked out with the capital gains liability you have there.","start":316.69,"end":323.01,"sentiment":"neutral","sentiment_score":0.028329613463332255},{"text":"It's just better off staying with hub with the benefits you do get there, if that makes sense.","start":323.01,"end":327.19,"sentiment":"neutral","sentiment_score":0.14367582369595766},{"text":"Perfect.","start":328.45,"end":328.95,"sentiment":"positive","sentiment_score":0.5768792629241943}],"sentiment":"neutral","sentiment_score":-0.011439723384223487,"num_words":95,"start":299.69,"end":328.95},{"sentences":[{"text":"On page 16 there, you will be able to see the changes in those investments, what you'll be selling out of and what you'll be buying into.","start":329.31497,"end":334.85498,"sentiment":"neutral","sentiment_score":0.32443177700042725},{"text":"Now with that, the core of your portfolio will be the S and P 500, the top 500 companies in America.","start":335.155,"end":340.215,"sentiment":"neutral","sentiment_score":0.23531720397018252},{"text":"And then you'll also have in that the main call bit will be the BetaShares Australian 200, which is the top 200 companies in Australia.","start":340.35498,"end":347.38,"sentiment":"neutral","sentiment_score":0.23444849193096162},{"text":"And then around that, you'll also have, in addition to that, some bonds for defensive asset, a Vanguard All World excluding US to get some exposure outside The US, and then you'll have Japan and Europe in that portfolio there as well.","start":348.24,"end":361.835,"sentiment":"neutral","sentiment_score":0.17222694866359234},{"text":"And then some physical gold and then beta share cybersecurity would be the the other investments in your portfolio.","start":361.89502,"end":368.315,"sentiment":"neutral","sentiment_score":0.18368239073376907}],"sentiment":"neutral","sentiment_score":0.2260151405109843,"num_words":134,"start":329.31497,"end":368.315},{"sentences":[{"text":"You'll be able to see those buy sells on page sixteen and seventeen there if you do wanna have a look at those.","start":370.87,"end":376.33,"sentiment":"positive","sentiment_score":0.34651458522547846},{"text":"And then the main thing there on page 18, you'll be able to see that you'll move from about 86% in growth assets, about 13% defensive to around 95% growth assets, around 5% defensive, if that makes sense.","start":376.47,"end":388.445,"sentiment":"neutral","sentiment_score":0.23020629388721367},{"text":"Perfect.","start":390.665,"end":391.065,"sentiment":"positive","sentiment_score":0.48302966356277466},{"text":"Do you have any questions in regards to that investment switch or the changes in your investment?","start":391.065,"end":394.685,"sentiment":"neutral","sentiment_score":0.12788558773258152},{"text":"Yeah.","start":396.52,"end":396.84,"sentiment":"neutral","sentiment_score":0.15806594491004944}],"sentiment":"neutral","sentiment_score":0.24416031534783542,"num_words":80,"start":370.87,"end":396.84},{"sentences":[{"text":"Not a problem at all.","start":396.84,"end":398.06,"sentiment":"neutral","sentiment_score":0.2748268783092499},{"text":"Now on page 19 there, you'll be able to see an illustration of that of the cost savings in regards to your investment, the capital gains bill that you would be paying there, and then the within regards to that one, on average, it will be around $250 you'll save in terms of, like, cost savings year on year.","start":398.68,"end":415.64502,"sentiment":"neutral","sentiment_score":0.28867621416762723},{"text":"With the investment cost, obviously, your superannuation as that grows, that figure changes.","start":416.665,"end":420.445,"sentiment":"neutral","sentiment_score":0.11461839223137268},{"text":"And then the recommended investment has historically performed better over a three year period.","start":420.58502,"end":425.34998,"sentiment":"neutral","sentiment_score":0.25613872706890106},{"text":"But in saying that past performance isn't indicative of those future performance, the markets aren't gonna replicate year on year.","start":425.65,"end":430.84998,"sentiment":"neutral","sentiment_score":-0.18063287176191806}],"sentiment":"neutral","sentiment_score":0.17900319702856177,"num_words":111,"start":396.84,"end":430.84998},{"sentences":[{"text":"I don't know what Trump's doing today, let alone tomorrow or what he's gonna tweet, and that has a direct correlation of sort of what the markets are doing.","start":430.84998,"end":438.31,"sentiment":"neutral","sentiment_score":-0.13062103362432842},{"text":"But in saying that over a long term period of time, having those index investments over that sort of twenty year period, maintaining invested, doing your contributions, it's historically showing that they do perform generally better than actively managed funds.","start":438.63498,"end":452.46,"sentiment":"neutral","sentiment_score":0.3317232131958008},{"text":"And then with that, carry a little bit less volatility as long as the market's doing well.","start":452.69998,"end":456.78,"sentiment":"neutral","sentiment_score":0.2741760182030061},{"text":"And if the market's doing poorly, it means that everyone's probably in the same boat much like now at the moment with the war or like a COVID event per se.","start":456.78,"end":465.105,"sentiment":"neutral","sentiment_score":-0.17520219159703102},{"text":"So the goal is that obviously put you in a bit of a position over that next five to ten years.","start":467.185,"end":470.785,"sentiment":"positive","sentiment_score":0.3602317145892552}],"sentiment":"neutral","sentiment_score":0.1179384705003189,"num_words":138,"start":430.84998,"end":470.785},{"sentences":[{"text":"There is an illustration of that shows that what that might look like based on those past figures.","start":470.785,"end":474.465,"sentiment":"neutral","sentiment_score":0.14473569144805273},{"text":"But as I said, that's to be taken with a grain of salt.","start":474.465,"end":476.625,"sentiment":"neutral","sentiment_score":-0.1157797288436156},{"text":"That's not like a a guaranteed return in five to ten years' time.","start":476.625,"end":480.30002,"sentiment":"neutral","sentiment_score":-0.10870425661022846},{"text":"It just shows you if the markets perform the exact same for the next three years as they did the past three years, that's what it might look like year on year.","start":480.30002,"end":486.96002,"sentiment":"neutral","sentiment_score":0.12861460796557367},{"text":"Do you have any questions in regards to the superannuation side of things or that investment change?","start":490.135,"end":494.635,"sentiment":"neutral","sentiment_score":-0.011956713764983065}],"sentiment":"neutral","sentiment_score":0.038702730710307755,"num_words":93,"start":470.785,"end":494.635},{"sentences":[{"text":"Happy.","start":497.415,"end":497.915,"sentiment":"neutral","sentiment_score":-0.09481891989707948},{"text":"In regards to the beneficiary nominations, we are recommending that set up a will and then establish a binding nomination to your legal personal representative, which will go to your estate.","start":499.095,"end":508.06,"sentiment":"neutral","sentiment_score":0.09620378743256291},{"text":"That's just given the fact that you do wanna nominate, like, sisters, mothers, you know, father, things like that.","start":508.28,"end":513.5,"sentiment":"neutral","sentiment_score":0.18435508404907427},{"text":"It just means that the nomination would be valid.","start":513.56,"end":516.06,"sentiment":"neutral","sentiment_score":0.31834191415045},{"text":"Now the options for a will, there there are post office wills out there that aren't the most ironclad things, but they're generally cheaper, or you can go to a solicitor that will help you prepare a will, and then you can set up your nominations just to go to your legal person representative.","start":516.415,"end":529.075,"sentiment":"neutral","sentiment_score":0.16645749030565773}],"sentiment":"neutral","sentiment_score":0.16003532273073992,"num_words":114,"start":497.415,"end":529.075},{"sentences":[{"text":"You can preemptively fill out those forms to legal person represent representative to go to your state.","start":529.44,"end":534.42,"sentiment":"neutral","sentiment_score":0.2332668786539751},{"text":"It just means that you need a will in place to be able to distribute those funds per your wishes, if that makes sense.","start":534.56,"end":539.3,"sentiment":"neutral","sentiment_score":0.32376449803511304},{"text":"Now that could change in the future if you had a spouse in a year's time and you do wanna nominate them.","start":541.2,"end":545.495,"sentiment":"positive","sentiment_score":0.43611759624697943},{"text":"That's more than fine.","start":545.495,"end":546.295,"sentiment":"positive","sentiment_score":0.627958133816719},{"text":"You just fill out the form and change it to your spouse.","start":546.295,"end":548.475,"sentiment":"positive","sentiment_score":0.4121657907962799}],"sentiment":"positive","sentiment_score":0.36440878521792497,"num_words":79,"start":529.44,"end":548.475},{"sentences":[{"text":"That's no problem at all.","start":548.935,"end":550.39496,"sentiment":"positive","sentiment_score":0.5824604868888855},{"text":"Obviously, going to your estate, there is a little bit of a different tack as to where it goes to individuals that may be taxed.","start":550.935,"end":557.195,"sentiment":"neutral","sentiment_score":-0.058377474695444104},{"text":"So given that it's going to your estate there, the benefit of that is you don't get the the Medicare levy, but you still do get a a little bit of tax there when going there as opposed to having a dependent.","start":557.415,"end":570.28,"sentiment":"neutral","sentiment_score":0.0439564592781521},{"text":"But given even if you had an independent relationship, that adult is likely to be taxed even if they saw that as an interdependent relationship, if that makes sense.","start":570.615,"end":578.395,"sentiment":"neutral","sentiment_score":-0.025767183637824553},{"text":"Yep.","start":580.215,"end":580.695,"sentiment":"neutral","sentiment_score":0.14937035739421844}],"sentiment":"neutral","sentiment_score":0.026481949888608036,"num_words":102,"start":548.935,"end":580.695},{"sentences":[{"text":"And then if it's a nondepen tax dependent such as, like, an adult that is independent relationship, it would still be, like, 15% super tax and then 2% Medicare levy for that individual as opposed to going to your estate there.","start":580.695,"end":592.37,"sentiment":"neutral","sentiment_score":0.07705146085652637},{"text":"I think, obviously, the benefit of setting up a will is, like, your assets that you do hold get distributed per your wishes in addition to your superannuation balances should anything happen.","start":594.43,"end":604.045,"sentiment":"positive","sentiment_score":0.33736905409023166},{"text":"Now a power of attorney there the benefit of power of attorney, if anything did happen to where you were incapacitated, there is someone that there that might be able to make financial or medical health decisions for you.","start":604.505,"end":614.97003,"sentiment":"neutral","sentiment_score":0.16429794274079493},{"text":"If you do set up, like, an advanced health care directive, things like that, it takes a lot of the decisions out of, like, your family's hands should something go wrong if you put it on a piece of paper form in addition to the fact that it's able to sort of pay bills on your behalf and not sort of have to go through the courts to to get that if you do have that in conjunction with the will.","start":615.27,"end":633.93,"sentiment":"neutral","sentiment_score":0.23884135429505948},{"text":"If anything sort of was to happen where you're unable to make some financial decisions for yourself.","start":634.08997,"end":638.27,"sentiment":"neutral","sentiment_score":-0.21675820823977976}],"sentiment":"neutral","sentiment_score":0.1715419026224741,"num_words":210,"start":580.695,"end":638.27},{"sentences":[{"text":"Do you have any questions in regards to those two things?","start":641.37,"end":643.21,"sentiment":"neutral","sentiment_score":0.02916955439881845},{"text":"Obviously, I skipped over those a little bit because we've discussed, like, wills and estates previously.","start":643.21,"end":647.29,"sentiment":"neutral","sentiment_score":-0.01972622302128002},{"text":"But do you have any questions regarding wills and estates?","start":647.29,"end":649.55,"sentiment":"neutral","sentiment_score":-0.009934944659471511},{"text":"All all make sense?","start":651.685,"end":652.985,"sentiment":"neutral","sentiment_score":-0.07480180729180574},{"text":"Yep.","start":655.125,"end":655.625,"sentiment":"neutral","sentiment_score":0.116176038980484}],"sentiment":"neutral","sentiment_score":-0.0065984549222602735,"num_words":42,"start":641.37,"end":655.625},{"sentences":[{"text":"Obviously, at any point, you can give us a call up if you were sort of thinking about going down.","start":655.76495,"end":659.365,"sentiment":"neutral","sentiment_score":-0.006362633407115936},{"text":"Does the solicitor have any questions regarding that?","start":659.365,"end":661.445,"sentiment":"neutral","sentiment_score":0.008578107226639986},{"text":"You can always give us a call and have a chat about that.","start":661.445,"end":663.52496,"sentiment":"neutral","sentiment_score":0.16768303513526917},{"text":"That's no problem at all.","start":663.52496,"end":664.62,"sentiment":"positive","sentiment_score":0.41002506017684937},{"text":"Obviously, in regards to the adviser fee, it is still the 1.65% of the superannuation balance is around the 1,900 or $1,961 and then 22% of the Clearview insurance premium, which is around $244.","start":666.46,"end":680.4,"sentiment":"neutral","sentiment_score":0.126834088607746}],"sentiment":"neutral","sentiment_score":0.10604669949971139,"num_words":80,"start":655.76495,"end":680.4},{"sentences":[{"text":"Now that's based on percentage of the the balance and then percentage of your premium.","start":681.07495,"end":685.39496,"sentiment":"neutral","sentiment_score":0.1480154052376747},{"text":"You don't pay us an additional cost for the insurance that we do receive.","start":685.39496,"end":688.915,"sentiment":"neutral","sentiment_score":0.11953417797173772},{"text":"We just get it as a remuneration for holding a policy with that insurer out of the premium that you pay them.","start":688.915,"end":694.13495,"sentiment":"neutral","sentiment_score":0.14494008977304806},{"text":"We just have to disclose it based on the fact that we do receive it.","start":694.31,"end":697.37,"sentiment":"neutral","sentiment_score":0.09009486188491185},{"text":"Obviously, the superannuation fee for ongoing client, that comes directly out of your superannuation, if that all makes sense.","start":698.31,"end":704.73,"sentiment":"neutral","sentiment_score":0.07228006285272147}],"sentiment":"neutral","sentiment_score":0.11537806667825755,"num_words":85,"start":681.07495,"end":704.73},{"sentences":[{"text":"Do you have any questions in regards to fee or how that's charged or anything there, Benjamin?","start":705.75,"end":709.13,"sentiment":"neutral","sentiment_score":0.032560345661990786},{"text":"Not a problem at all.","start":710.765,"end":711.985,"sentiment":"neutral","sentiment_score":0.2334873616695404},{"text":"Now in regards to the advice piece, if you were happy to implement everything, if you did sign the document, they would update the investments on your behalf and switch that for you once you did sign.","start":712.765,"end":721.62,"sentiment":"neutral","sentiment_score":0.220846922816457},{"text":"And then they would send you out the the beneficiary forms, and it'd be up to you to be able to fill those out and send those back, and then also in regards to speaking with a lawyer and setting up the will and a power of attorney.","start":722.1,"end":732.6,"sentiment":"neutral","sentiment_score":0.1573836125123004},{"text":"Yeah.","start":743.395,"end":743.715,"sentiment":"neutral","sentiment_score":0.1294042468070984}],"sentiment":"neutral","sentiment_score":0.16274181922414788,"num_words":108,"start":705.75,"end":743.715},{"sentences":[{"text":"You can still fill them out preemptively and then just have it yeah.","start":743.715,"end":748.24,"sentiment":"neutral","sentiment_score":0.10973152231711608},{"text":"And then, like, obviously, you know, as long as nothing happens between no.","start":748.24,"end":754.56,"sentiment":"neutral","sentiment_score":-0.013835328416182445},{"text":"You can just fill out the beneficiaries as, like, legal person representative is the recommendation.","start":754.56,"end":758.66003,"sentiment":"neutral","sentiment_score":0.127015383541584},{"text":"And then once you set up your will, it's not until anything happens that it actually means anything.","start":758.8,"end":763.425,"sentiment":"neutral","sentiment_score":0.05283462432109647},{"text":"It's just on file.","start":763.64496,"end":765.40497,"sentiment":"neutral","sentiment_score":0.0902237631380558}],"sentiment":"neutral","sentiment_score":0.07085396133599774,"num_words":63,"start":743.715,"end":765.40497},{"sentences":[{"text":"You can obviously, as long as nothing happens for now and you setting up your will, that's more than fine.","start":765.40497,"end":770.20496,"sentiment":"neutral","sentiment_score":0.2161934021860361},{"text":"And even if it did, the likelihood even if you had, like, your mother, sister, or anything as a nomination, the likelihood they would find it as a as a nomination, the likelihood they would find it as a non valid nomination, and it would likely end up at your estate anyway unless they, yeah, sorta saw any sort of independent relationship, which is generally quite rare if you rare if you're not sort of supporting them financially or anything like that and giving you're not living with them.","start":770.20496,"end":791.52496,"sentiment":"neutral","sentiment_score":-0.2810213091165832},{"text":"But in saying that, you can still fill out the forms or at least you can have a copy to fill out once you get it all sorted, which is which is fine.","start":792.70496,"end":798.88495,"sentiment":"neutral","sentiment_score":0.11675159429961984},{"text":"But that's a very sort of brief overview of the estate planning side of things.","start":799.82495,"end":804.07996,"sentiment":"neutral","sentiment_score":0.1514484534660975},{"text":"But in regards to superannuation investments, anything that I've discussed there today, is there anything you want a bit more clarification on or anything that didn't make sense All makes sense?","start":804.07996,"end":814.815,"sentiment":"neutral","sentiment_score":0.0054655824938128076}],"sentiment":"neutral","sentiment_score":-0.07655886168334078,"num_words":188,"start":765.40497,"end":814.815},{"sentences":[{"text":"You're you're comfortable with the change from, like, a more active to a more passive approach in regards to your investments and how that will play out for the next few years?","start":814.815,"end":823.955,"sentiment":"positive","sentiment_score":0.3435183661058545},{"text":"Perfect.","start":824.175,"end":824.675,"sentiment":"positive","sentiment_score":0.6308649182319641},{"text":"If you did have any questions, obviously, feel free to give us a call up, have a look through if you wanted, or if you did sign it, that'd get the investment switch done sort of probably next week sometime.","start":825.215,"end":835.92004,"sentiment":"neutral","sentiment_score":0.3070827691582963},{"text":"And then that would all be enforced, and then it's up to the state planning side of you to do in your your own time, but they'll send you the forms at least.","start":836.3,"end":842.655,"sentiment":"neutral","sentiment_score":0.04495695413965167},{"text":"And then if you have any questions regarding that, you can always give us a call.","start":844.41504,"end":847.05505,"sentiment":"neutral","sentiment_score":0.14035396836698055}],"sentiment":"neutral","sentiment_score":0.22652464246255208,"num_words":122,"start":814.815,"end":847.05505},{"sentences":[{"text":"But anything else you wanna have a chat about while you've got me there at all then?","start":847.05505,"end":850.03503,"sentiment":"neutral","sentiment_score":0.08984057342304903},{"text":"Not a problem at all.","start":852.335,"end":853.375,"sentiment":"positive","sentiment_score":0.467396205663681},{"text":"Any questions you do have or do come up, feel free to give us a a ring, but otherwise, I'll let you get back to your afternoon.","start":853.375,"end":858.43506,"sentiment":"neutral","sentiment_score":0.20782371500024088},{"text":"Cheers, Benjamin.","start":860.6069,"end":861.1669,"sentiment":"positive","sentiment_score":0.7755698263645172},{"text":"You enjoy the rest of your hour.","start":861.1669,"end":862.2069,"sentiment":"positive","sentiment_score":0.8044696961130414}],"sentiment":"neutral","sentiment_score":0.2872058380523632,"num_words":58,"start":847.05505,"end":862.2069},{"sentences":[{"text":"I'll talk soon.","start":862.2069,"end":862.8469,"sentiment":"positive","sentiment_score":0.4919409354527791},{"text":"Bye.","start":862.8469,"end":863.3469,"sentiment":"neutral","sentiment_score":0.3058900535106659}],"sentiment":"positive","sentiment_score":0.4454282149672508,"num_words":4,"start":862.2069,"end":863.3469}]}}]},{"alternatives":[{"transcript":"Good day, mate. Not sure what's going on. Not sure, mate. Let's see what you're about to. Yeah. Yeah. Benjamin Carter, the 1990. 89 Meroe Road, Landau. Yep. Yep. Yep. Yes. Yes. No. Really. That's okay. Okay. Yes. Yes. Yes. Yep. Yep. Yep. Yep. Yep. Not really. Yep. Yes. Not really. Yep. Yeah. Yep. Yes. Yep. Not really. Is it? Yeah. For the moment. Yep. Yep. Yep. No. Yeah. Yeah. Yeah. And there's no point filling out beneficiary things because I need to do a will. There's no yeah. I can't do beneficiaries without a will. So oh, okay. Because once I do the will, I need to have that to go with it to send to you. Okay. Sure. Yep. Yep. Yep. No. I'm good. Yeah. Yes. Nothing's all good. Lovely. Thank you. Cheers. Bye.","confidence":0.96655977,"words":[{"word":"good","start":0.56,"end":0.71999997,"confidence":0.916855,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.6060268878936768},{"word":"day","start":0.71999997,"end":0.96,"confidence":0.98511815,"punctuated_word":"day,","sentiment":"positive","sentiment_score":0.5061915516853333},{"word":"mate","start":0.96,"end":1.28,"confidence":0.9953042,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.3515506982803345},{"word":"not","start":1.28,"end":1.52,"confidence":0.7497031,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.16235561668872833},{"word":"sure","start":1.52,"end":1.8399999,"confidence":0.9995702,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.1865972876548767},{"word":"what's","start":1.8399999,"end":2.1599998,"confidence":0.8620457,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.18877360224723816},{"word":"going","start":2.1599998,"end":2.32,"confidence":0.9972861,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.12764252722263336},{"word":"on","start":2.32,"end":2.82,"confidence":0.9975203,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.24797530472278595},{"word":"not","start":8.88,"end":9.12,"confidence":0.9185691,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.27502843737602234},{"word":"sure","start":9.12,"end":9.36,"confidence":0.9629133,"punctuated_word":"sure,","sentiment":"neutral","sentiment_score":-0.16266649961471558},{"word":"mate","start":9.36,"end":9.5199995,"confidence":0.98610556,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":-0.11786086857318878},{"word":"let's","start":9.5199995,"end":9.679999,"confidence":0.9157875,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":-0.05927086994051933},{"word":"see","start":9.679999,"end":9.92,"confidence":0.99405575,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.03818812221288681},{"word":"what","start":9.92,"end":10.0,"confidence":0.7600459,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.04102594405412674},{"word":"you're","start":10.0,"end":10.16,"confidence":0.5761429,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0511171780526638},{"word":"about","start":10.16,"end":10.4,"confidence":0.90989906,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07175317406654358},{"word":"to","start":10.4,"end":10.9,"confidence":0.5318512,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.07420538365840912},{"word":"yeah","start":17.905,"end":18.225,"confidence":0.9936265,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.025628425180912014},{"word":"yeah","start":18.225,"end":18.625,"confidence":0.9798758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.007579256780445576},{"word":"benjamin","start":18.625,"end":19.125,"confidence":0.79881525,"punctuated_word":"Benjamin","sentiment":"neutral","sentiment_score":0.003741322085261345},{"word":"carter","start":19.185,"end":19.685,"confidence":0.6247357,"punctuated_word":"Carter,","sentiment":"neutral","sentiment_score":0.0010266965255141258},{"word":"the","start":20.145,"end":20.465,"confidence":0.99725926,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00842323713004589},{"word":"1990","start":20.465,"end":22.165,"confidence":0.91688144,"punctuated_word":"1990.","sentiment":"neutral","sentiment_score":-0.0028266021981835365},{"word":"89","start":22.465,"end":22.945,"confidence":0.9969814,"punctuated_word":"89","sentiment":"neutral","sentiment_score":0.004851923324167728},{"word":"meroe","start":22.945,"end":23.185,"confidence":0.2416984,"punctuated_word":"Meroe","sentiment":"neutral","sentiment_score":0.020733311772346497},{"word":"road","start":23.185,"end":23.345001,"confidence":0.90303004,"punctuated_word":"Road,","sentiment":"neutral","sentiment_score":0.010690102353692056},{"word":"landau","start":23.345001,"end":23.845001,"confidence":0.5548815,"punctuated_word":"Landau.","sentiment":"neutral","sentiment_score":0.018983665853738785},{"word":"yep","start":49.485,"end":49.985,"confidence":0.92815626,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.27053895592689514},{"word":"yep","start":52.925003,"end":53.425003,"confidence":0.84475505,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20852278172969815},{"word":"yep","start":62.36,"end":62.86,"confidence":0.84278333,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3066568374633789},{"word":"yes","start":80.73,"end":81.23,"confidence":0.8516923,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.4520472288131714},{"word":"yes","start":121.605,"end":122.105,"confidence":0.8512056,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.39722779393196106},{"word":"no","start":186.125,"end":186.28499,"confidence":0.61033607,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.21847763657569885},{"word":"really","start":186.28499,"end":186.685,"confidence":0.7026593,"punctuated_word":"Really.","sentiment":"neutral","sentiment_score":-0.16535626351833344},{"word":"that's","start":186.685,"end":187.00499,"confidence":0.7953578,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.057680897414684296},{"word":"okay","start":187.00499,"end":187.50499,"confidence":0.99867654,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.03035266324877739},{"word":"okay","start":209.765,"end":210.265,"confidence":0.95036495,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.09545090794563292},{"word":"yes","start":227.36,"end":227.86,"confidence":0.767393,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1827484965324402},{"word":"yes","start":273.095,"end":273.595,"confidence":0.97191304,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1223934441804886},{"word":"yes","start":294.75497,"end":295.25497,"confidence":0.7942843,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0142100490629673},{"word":"yep","start":327.175,"end":327.255,"confidence":0.7083153,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21379123628139496},{"word":"yep","start":327.255,"end":327.755,"confidence":0.7268678,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.31375759840011597},{"word":"yep","start":348.645,"end":349.145,"confidence":0.6941623,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14907191693782806},{"word":"yep","start":369.36002,"end":369.86002,"confidence":0.7814677,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.29991036653518677},{"word":"yep","start":388.65002,"end":389.15002,"confidence":0.87356865,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2613902688026428},{"word":"not","start":394.97,"end":395.21002,"confidence":0.65649706,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.1584888994693756},{"word":"really","start":395.21002,"end":395.71002,"confidence":0.99429584,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":0.06175432726740837},{"word":"yep","start":452.76,"end":453.26,"confidence":0.86767375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.225977823138237},{"word":"yes","start":465.345,"end":465.845,"confidence":0.8268,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14557579159736633},{"word":"not","start":494.945,"end":495.185,"confidence":0.96655977,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.3116843104362488},{"word":"really","start":495.185,"end":495.685,"confidence":0.9984427,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.2362523227930069},{"word":"yep","start":513.705,"end":514.205,"confidence":0.7480248,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.28927189111709595},{"word":"yeah","start":539.39,"end":539.89,"confidence":0.8212017,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3569280505180359},{"word":"yep","start":578.515,"end":579.015,"confidence":0.9496702,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12681132555007937},{"word":"yes","start":592.56,"end":593.06,"confidence":0.6588079,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.23377886414527893},{"word":"yep","start":638.975,"end":639.475,"confidence":0.8759115,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04385956376791},{"word":"not","start":649.96,"end":650.12,"confidence":0.9871946,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.1275542676448822},{"word":"really","start":650.12,"end":650.44,"confidence":0.80443835,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.09837594628334044},{"word":"is","start":650.44,"end":650.94,"confidence":0.26944184,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.06991004943847656},{"word":"it","start":652.44,"end":652.94,"confidence":0.92407405,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.05495178699493408},{"word":"yeah","start":653.24,"end":653.56,"confidence":0.9926687,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.021725386381149292},{"word":"for","start":653.56,"end":653.72003,"confidence":0.78044903,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.005704961717128754},{"word":"the","start":653.72003,"end":653.88,"confidence":0.9042843,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007741585373878479},{"word":"moment","start":653.88,"end":654.28,"confidence":0.9944222,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.029363783076405525},{"word":"yep","start":654.28,"end":654.78,"confidence":0.7714281,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09834804385900496},{"word":"yep","start":665.075,"end":665.575,"confidence":0.9965843,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2967739701271057},{"word":"yep","start":704.82996,"end":705.32996,"confidence":0.9737252,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.060098253190517426},{"word":"no","start":709.47,"end":709.97,"confidence":0.9608432,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.16159309446811676},{"word":"yeah","start":733.55,"end":733.87,"confidence":0.8279903,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03972962126135826},{"word":"yeah","start":733.87,"end":734.19,"confidence":0.99245083,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02704888954758644},{"word":"yeah","start":734.19,"end":734.35004,"confidence":0.9477459,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0044365935027599335},{"word":"and","start":734.35004,"end":734.51,"confidence":0.55435157,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05360095947980881},{"word":"there's","start":734.51,"end":734.75,"confidence":0.99656576,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.13422298431396484},{"word":"no","start":734.75,"end":734.99,"confidence":0.99156183,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.2551780939102173},{"word":"point","start":734.99,"end":735.39,"confidence":0.99839395,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.25557953119277954},{"word":"filling","start":735.39,"end":735.71,"confidence":0.1632222,"punctuated_word":"filling","sentiment":"neutral","sentiment_score":-0.23860909044742584},{"word":"out","start":735.71,"end":735.87,"confidence":0.9282998,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1532619446516037},{"word":"beneficiary","start":735.87,"end":736.37,"confidence":0.9791879,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":-0.1652088165283203},{"word":"things","start":736.51,"end":736.75,"confidence":0.9922339,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.11119142919778824},{"word":"because","start":736.75,"end":736.99,"confidence":0.8806319,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.27326446771621704},{"word":"i","start":736.99,"end":737.15,"confidence":0.9968561,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21967437863349917},{"word":"need","start":737.15,"end":737.31,"confidence":0.9768921,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.2342393100261688},{"word":"to","start":737.31,"end":737.47003,"confidence":0.9995234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1850430369377136},{"word":"do","start":737.47003,"end":737.63,"confidence":0.979287,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1428719460964203},{"word":"a","start":737.63,"end":737.79004,"confidence":0.9956369,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1732889711856842},{"word":"will","start":737.79004,"end":738.11005,"confidence":0.9387125,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":-0.15452975034713745},{"word":"there's","start":738.11005,"end":738.27,"confidence":0.99211115,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.1704331338405609},{"word":"no","start":738.27,"end":738.765,"confidence":0.994423,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.17216110229492188},{"word":"yeah","start":740.125,"end":740.365,"confidence":0.9793183,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.15570427477359772},{"word":"i","start":740.365,"end":740.525,"confidence":0.9947184,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1718980222940445},{"word":"can't","start":740.525,"end":740.765,"confidence":0.99771714,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.0969221293926239},{"word":"do","start":740.765,"end":741.005,"confidence":0.9995598,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09561179578304292},{"word":"beneficiaries","start":741.005,"end":741.505,"confidence":0.9947589,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":-0.01710250973701477},{"word":"without","start":741.565,"end":741.885,"confidence":0.99492043,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.16810062527656555},{"word":"a","start":741.885,"end":741.965,"confidence":0.99460596,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10349158942699432},{"word":"will","start":741.965,"end":742.465,"confidence":0.92116606,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":-0.04135869815945625},{"word":"so","start":743.84503,"end":744.34503,"confidence":0.75996757,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08638553321361542},{"word":"oh","start":746.60504,"end":746.84503,"confidence":0.90662706,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.1631155163049698},{"word":"okay","start":746.84503,"end":747.34503,"confidence":0.9994234,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.147965669631958},{"word":"because","start":749.645,"end":749.885,"confidence":0.33160877,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.005423357710242271},{"word":"once","start":749.885,"end":750.04504,"confidence":0.99444735,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.029929479584097866},{"word":"i","start":750.04504,"end":750.205,"confidence":0.99797565,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.050994981080293655},{"word":"do","start":750.205,"end":750.445,"confidence":0.98908573,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04518141597509384},{"word":"the","start":750.445,"end":750.525,"confidence":0.99532145,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.071109339594841},{"word":"will","start":750.525,"end":750.765,"confidence":0.99063385,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":-0.04937812685966492},{"word":"i","start":750.765,"end":750.84503,"confidence":0.99966156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.045983415096998215},{"word":"need","start":750.84503,"end":751.085,"confidence":0.98931736,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.06482252478599548},{"word":"to","start":751.085,"end":751.16504,"confidence":0.9994517,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.042594026774168015},{"word":"have","start":751.16504,"end":751.325,"confidence":0.9997274,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.041201792657375336},{"word":"that","start":751.325,"end":751.565,"confidence":0.99023145,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.016400232911109924},{"word":"to","start":751.565,"end":751.72504,"confidence":0.9924839,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03910474479198456},{"word":"go","start":751.72504,"end":751.965,"confidence":0.9998927,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.040460992604494095},{"word":"with","start":751.965,"end":752.125,"confidence":0.99963224,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.032607994973659515},{"word":"it","start":752.125,"end":752.43,"confidence":0.9988763,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.027491264045238495},{"word":"to","start":752.43,"end":752.83,"confidence":0.9976351,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06166267395019531},{"word":"send","start":752.83,"end":753.33,"confidence":0.9993063,"punctuated_word":"send","sentiment":"neutral","sentiment_score":-0.07580386102199554},{"word":"to","start":763.22,"end":763.47,"confidence":0.9293838,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.030931245535612103},{"word":"you","start":763.47,"end":763.79,"confidence":0.99825406,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06412927806377411},{"word":"okay","start":763.79,"end":764.29,"confidence":0.94781387,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10284915566444396},{"word":"sure","start":765.215,"end":765.715,"confidence":0.9978602,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.2515925467014313},{"word":"yep","start":781.63,"end":782.13,"confidence":0.7422452,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.16719506680965424},{"word":"yep","start":789.63,"end":790.13,"confidence":0.75984305,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.18916021287441256},{"word":"yep","start":792.195,"end":792.695,"confidence":0.9810481,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05220469832420349},{"word":"no","start":811.63,"end":811.79,"confidence":0.97766757,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11115353554487228},{"word":"i'm","start":811.79,"end":811.95,"confidence":0.9633516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.031741853803396225},{"word":"good","start":811.95,"end":812.45,"confidence":0.99468964,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.21485529839992523},{"word":"yeah","start":824.425,"end":824.925,"confidence":0.7239298,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.39055851101875305},{"word":"yes","start":842.99,"end":843.49,"confidence":0.805203,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13643847405910492},{"word":"nothing's","start":850.355,"end":850.855,"confidence":0.5817751,"punctuated_word":"Nothing's","sentiment":"neutral","sentiment_score":0.30578452348709106},{"word":"all","start":850.915,"end":851.15497,"confidence":0.91238886,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.43114495277404785},{"word":"good","start":851.15497,"end":851.65497,"confidence":0.99945474,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3643578886985779},{"word":"lovely","start":858.98694,"end":859.2269,"confidence":0.9820318,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.8471645712852478},{"word":"thank","start":859.2269,"end":859.54694,"confidence":0.98986393,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8607831001281738},{"word":"you","start":859.54694,"end":860.04694,"confidence":0.9979954,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.8102841377258301},{"word":"cheers","start":862.7469,"end":863.2469,"confidence":0.9867762,"punctuated_word":"Cheers.","sentiment":"positive","sentiment_score":0.5279877781867981},{"word":"bye","start":863.7069,"end":864.2069,"confidence":0.81635916,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.11804185807704926}],"paragraphs":{"transcript":"\nGood day, mate. Not sure what's going on. Not sure, mate. Let's see what you're about to. Yeah.\n\nYeah. Benjamin Carter, the 1990. 89 Meroe Road, Landau. Yep. Yep.\n\nYep. Yes. Yes. No. Really.\n\nThat's okay. Okay. Yes. Yes. Yes.\n\nYep. Yep. Yep. Yep. Yep.\n\nNot really. Yep. Yes. Not really. Yep.\n\nYeah. Yep. Yes. Yep. Not really.\n\nIs it? Yeah. For the moment. Yep. Yep.\n\nYep. No. Yeah. Yeah. Yeah.\n\nAnd there's no point filling out beneficiary things because I need to do a will. There's no yeah. I can't do beneficiaries without a will. So oh, okay. Because once I do the will, I need to have that to go with it to send to you.\n\nOkay. Sure. Yep. Yep. Yep.\n\nNo. I'm good. Yeah. Yes. Nothing's all good.\n\nLovely. Thank you. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good day, mate.","start":0.56,"end":1.28,"sentiment":"positive","sentiment_score":0.4879230459531148},{"text":"Not sure what's going on.","start":1.28,"end":2.82,"sentiment":"neutral","sentiment_score":-0.1826688677072525},{"text":"Not sure, mate.","start":8.88,"end":9.5199995,"sentiment":"neutral","sentiment_score":-0.1851852685213089},{"text":"Let's see what you're about to.","start":9.5199995,"end":10.9,"sentiment":"neutral","sentiment_score":-0.055926778664191566},{"text":"Yeah.","start":17.905,"end":18.225,"sentiment":"neutral","sentiment_score":-0.025628425180912014}],"sentiment":"neutral","sentiment_score":-0.020351116855939228,"num_words":18,"start":0.56,"end":18.225},{"sentences":[{"text":"Yeah.","start":18.225,"end":18.625,"sentiment":"neutral","sentiment_score":-0.007579256780445576},{"text":"Benjamin Carter, the 1990.","start":18.625,"end":22.165,"sentiment":"neutral","sentiment_score":-0.0016204551793634892},{"text":"89 Meroe Road, Landau.","start":22.465,"end":23.845001,"sentiment":"neutral","sentiment_score":0.013814750825986266},{"text":"Yep.","start":49.485,"end":49.985,"sentiment":"neutral","sentiment_score":0.27053895592689514},{"text":"Yep.","start":52.925003,"end":53.425003,"sentiment":"neutral","sentiment_score":0.20852278172969815}],"sentiment":"neutral","sentiment_score":0.047296333042058075,"num_words":11,"start":18.225,"end":53.425003},{"sentences":[{"text":"Yep.","start":62.36,"end":62.86,"sentiment":"neutral","sentiment_score":0.3066568374633789},{"text":"Yes.","start":80.73,"end":81.23,"sentiment":"positive","sentiment_score":0.4520472288131714},{"text":"Yes.","start":121.605,"end":122.105,"sentiment":"positive","sentiment_score":0.39722779393196106},{"text":"No.","start":186.125,"end":186.28499,"sentiment":"neutral","sentiment_score":-0.21847763657569885},{"text":"Really.","start":186.28499,"end":186.685,"sentiment":"neutral","sentiment_score":-0.16535626351833344}],"sentiment":"neutral","sentiment_score":0.15441959202289582,"num_words":5,"start":62.36,"end":186.685},{"sentences":[{"text":"That's okay.","start":186.685,"end":187.50499,"sentiment":"neutral","sentiment_score":-0.013664117082953453},{"text":"Okay.","start":209.765,"end":210.265,"sentiment":"neutral","sentiment_score":-0.09545090794563292},{"text":"Yes.","start":227.36,"end":227.86,"sentiment":"neutral","sentiment_score":0.1827484965324402},{"text":"Yes.","start":273.095,"end":273.595,"sentiment":"neutral","sentiment_score":0.1223934441804886},{"text":"Yes.","start":294.75497,"end":295.25497,"sentiment":"neutral","sentiment_score":-0.0142100490629673}],"sentiment":"neutral","sentiment_score":0.028025458256403613,"num_words":6,"start":186.685,"end":295.25497},{"sentences":[{"text":"Yep.","start":327.175,"end":327.255,"sentiment":"neutral","sentiment_score":0.21379123628139496},{"text":"Yep.","start":327.255,"end":327.755,"sentiment":"neutral","sentiment_score":0.31375759840011597},{"text":"Yep.","start":348.645,"end":349.145,"sentiment":"neutral","sentiment_score":0.14907191693782806},{"text":"Yep.","start":369.36002,"end":369.86002,"sentiment":"neutral","sentiment_score":0.29991036653518677},{"text":"Yep.","start":388.65002,"end":389.15002,"sentiment":"neutral","sentiment_score":0.2613902688026428}],"sentiment":"neutral","sentiment_score":0.2475842773914337,"num_words":5,"start":327.175,"end":389.15002},{"sentences":[{"text":"Not really.","start":394.97,"end":395.71002,"sentiment":"neutral","sentiment_score":0.11012161336839199},{"text":"Yep.","start":452.76,"end":453.26,"sentiment":"neutral","sentiment_score":0.225977823138237},{"text":"Yes.","start":465.345,"end":465.845,"sentiment":"neutral","sentiment_score":0.14557579159736633},{"text":"Not really.","start":494.945,"end":495.685,"sentiment":"neutral","sentiment_score":-0.27396831661462784},{"text":"Yep.","start":513.705,"end":514.205,"sentiment":"neutral","sentiment_score":0.28927189111709595}],"sentiment":"neutral","sentiment_score":0.04759029990860394,"num_words":7,"start":394.97,"end":514.205},{"sentences":[{"text":"Yeah.","start":539.39,"end":539.89,"sentiment":"positive","sentiment_score":0.3569280505180359},{"text":"Yep.","start":578.515,"end":579.015,"sentiment":"neutral","sentiment_score":0.12681132555007937},{"text":"Yes.","start":592.56,"end":593.06,"sentiment":"neutral","sentiment_score":0.23377886414527893},{"text":"Yep.","start":638.975,"end":639.475,"sentiment":"neutral","sentiment_score":0.04385956376791},{"text":"Not really.","start":649.96,"end":650.44,"sentiment":"neutral","sentiment_score":-0.11296510696411133}],"sentiment":"neutral","sentiment_score":0.08924126500884692,"num_words":6,"start":539.39,"end":650.44},{"sentences":[{"text":"Is it?","start":650.44,"end":652.94,"sentiment":"neutral","sentiment_score":-0.06243091821670532},{"text":"Yeah.","start":653.24,"end":653.56,"sentiment":"neutral","sentiment_score":0.021725386381149292},{"text":"For the moment.","start":653.56,"end":654.28,"sentiment":"neutral","sentiment_score":0.010466802244385084},{"text":"Yep.","start":654.28,"end":654.78,"sentiment":"neutral","sentiment_score":0.09834804385900496},{"text":"Yep.","start":665.075,"end":665.575,"sentiment":"neutral","sentiment_score":0.2967739701271057}],"sentiment":"neutral","sentiment_score":0.04042324633337557,"num_words":8,"start":650.44,"end":665.575},{"sentences":[{"text":"Yep.","start":704.82996,"end":705.32996,"sentiment":"neutral","sentiment_score":0.060098253190517426},{"text":"No.","start":709.47,"end":709.97,"sentiment":"neutral","sentiment_score":0.16159309446811676},{"text":"Yeah.","start":733.55,"end":733.87,"sentiment":"neutral","sentiment_score":0.03972962126135826},{"text":"Yeah.","start":733.87,"end":734.19,"sentiment":"neutral","sentiment_score":0.02704888954758644},{"text":"Yeah.","start":734.19,"end":734.35004,"sentiment":"neutral","sentiment_score":-0.0044365935027599335}],"sentiment":"neutral","sentiment_score":0.056806652992963794,"num_words":5,"start":704.82996,"end":734.35004},{"sentences":[{"text":"And there's no point filling out beneficiary things because I need to do a will.","start":734.35004,"end":738.11005,"sentiment":"neutral","sentiment_score":-0.18331764737764994},{"text":"There's no yeah.","start":738.11005,"end":740.365,"sentiment":"neutral","sentiment_score":-0.16609950363636017},{"text":"I can't do beneficiaries without a will.","start":740.365,"end":742.465,"sentiment":"neutral","sentiment_score":-0.09921219572424889},{"text":"So oh, okay.","start":743.84503,"end":747.34503,"sentiment":"neutral","sentiment_score":0.1324889063835144},{"text":"Because once I do the will, I need to have that to go with it to send to you.","start":749.645,"end":763.79,"sentiment":"neutral","sentiment_score":-0.03395208951674009}],"sentiment":"neutral","sentiment_score":-0.08915258666619341,"num_words":47,"start":734.35004,"end":763.79},{"sentences":[{"text":"Okay.","start":763.79,"end":764.29,"sentiment":"neutral","sentiment_score":0.10284915566444396},{"text":"Sure.","start":765.215,"end":765.715,"sentiment":"neutral","sentiment_score":0.2515925467014313},{"text":"Yep.","start":781.63,"end":782.13,"sentiment":"neutral","sentiment_score":-0.16719506680965424},{"text":"Yep.","start":789.63,"end":790.13,"sentiment":"neutral","sentiment_score":-0.18916021287441256},{"text":"Yep.","start":792.195,"end":792.695,"sentiment":"neutral","sentiment_score":0.05220469832420349}],"sentiment":"neutral","sentiment_score":0.010058224201202387,"num_words":5,"start":763.79,"end":792.695},{"sentences":[{"text":"No.","start":811.63,"end":811.79,"sentiment":"neutral","sentiment_score":-0.11115353554487228},{"text":"I'm good.","start":811.79,"end":812.45,"sentiment":"neutral","sentiment_score":0.12329857610166073},{"text":"Yeah.","start":824.425,"end":824.925,"sentiment":"positive","sentiment_score":0.39055851101875305},{"text":"Yes.","start":842.99,"end":843.49,"sentiment":"neutral","sentiment_score":0.13643847405910492},{"text":"Nothing's all good.","start":850.355,"end":851.65497,"sentiment":"positive","sentiment_score":0.3670957883199056}],"sentiment":"neutral","sentiment_score":0.220465995837003,"num_words":8,"start":811.63,"end":851.65497},{"sentences":[{"text":"Lovely.","start":858.98694,"end":859.2269,"sentiment":"positive","sentiment_score":0.8471645712852478},{"text":"Thank you.","start":859.2269,"end":860.04694,"sentiment":"positive","sentiment_score":0.835533618927002},{"text":"Cheers.","start":862.7469,"end":863.2469,"sentiment":"positive","sentiment_score":0.5279877781867981},{"text":"Bye.","start":863.7069,"end":864.2069,"sentiment":"neutral","sentiment_score":-0.11804185807704926}],"sentiment":"positive","sentiment_score":0.5856355458498002,"num_words":5,"start":858.98694,"end":864.2069}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good day, mate. Not sure what's going on.\n\nChannel 0: Yeah. I'm not too sure if it's a bad connection or not, but I'm not too sure why it keeps dropping out there.\n\nChannel 1: Not sure, mate. Let's see what you're about to.\n\nChannel 0: Yeah. I'll try and make it a little bit quicker so in case you have a bad connection, it keeps dropping out there. But again, unfortunately, if I could just pass\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: through security\n\nChannel 1: Benjamin Carter, the 1990.\n\nChannel 0: yep.\n\nChannel 1: 89 Meroe Road, Landau.\n\nChannel 0: Sorry. Thanks. And and then, yeah, these calls are recorded there. As I was saying there, so the high growth portfolio is about that ninety ten split. So it would be increasing your exposure slightly to those growth assets aiming for that longer term.\n\nGrowth, obviously, in the short term with the war and everything, it's likely to have a bit more volatility, and we'll see those higher fluctuations of ups and downs. But over the long term, having that higher allocation of growth assets does mean that you have the chance and exposure\n\nChannel 1: Yep.\n\nChannel 0: to get more capital growth over that longer period of time.\n\nChannel 1: Yep.\n\nChannel 0: Now in regards to best interest, Judy, obviously, maintaining hub twenty four, it means you don't have to pay as large capital gains because we'll be looking at keeping a core of your portfolio the same.\n\nChannel 1: Yep.\n\nChannel 0: Within regards to that portfolio that or platform that you're familiar with, it's still competitive in the market. It's like, with its reporting capabilities and ease of advice implementation for more advanced strategies, adviser led. It is still a competitive market and product in the market. And\n\nChannel 1: Yes.\n\nChannel 0: then with that, we're aiming to just put you in a better position over that next five to ten year period as I was saying. Now the recommended portfolio although your portfolio has done quite well, minus the Benelon, we're looking at recommending you a more lower cost investment option moving forward that's a bit more passive, reduced fees that's, gonna increase the amount of money you have going towards your investments and returns over the long term and that compounding effect will result in a a CGT liability of around the $420. But with that, the investment saving each year will be around $377 per annum. So with that, in a couple of years, you would have recouped the cost of the CDT and the switch just on those fee savings alone with the investment switch.\n\nChannel 1: Yes.\n\nChannel 0: Now within regards to that, it will help increase your diversification there with the areas that we're looking at recommending in the portfolio. It'll reduce the volatility in the portfolio even though you're increasing your exposure to growth assets because we are looking at removing those actively managed funds and just having that index approach, which means you're just tracking the indexes. You're not aiming to outperform that market. You're just looking to track what the market's doing. And then with that, removes the level of management risk there as well in your portfolio.\n\nSo although you're increasing your risk in terms of having more growth assets, you won't have that active management risk like what occurred with Bennelong. You're just tracking what the market's doing. If the market's doing well, you do quite well. If the market take a bit of a dip, although your super might take a little bit of a dip as well, it just means that unless you're with a fund manager that actually picked the winners in that scenario, then likelihood would be that your super would take that dip as well like what happened with METALON except that was outside that, and it almost did worse than the indexes over that period of time, if that makes sense.\n\nChannel 1: No. Really. That's okay.\n\nChannel 0: Okay. So the the main thing there is, obviously, you're just you're changing up your investments. You're removing those active management risks, which means you don't have anyone that is managing the fund and picking and choosing the investments. It just means that, say, like, the S and P 500, top 500 companies in America, you hold those top 500. And if a company gets big enough and goes into that comp top 500, you'll own it.\n\nAnd if it gets\n\nChannel 1: Okay.\n\nChannel 0: worse and falls out, then it'll drop out. You're not having a manager picking and choosing winners, whereas, like, Benelon was picking and choosing, and they picked the wrong wrong investment. And then with that announcement, caused their fund to take a bit of a dive, whereas that doesn't typically occur to the extent that it happened with Benelon in an index fund, if that makes sense.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So the advantages of that is it's a lower investment fee. It's along with the agreed risk profile increasing that risk. You'd be able to remain a client at Ophi Financial, and you'll eliminate that manager risk. Disadvantages is there's no guarantee that investments obviously perform as recommended.\n\nThat's the one thing that's, you know, poor about investments in the market is that you're not guaranteed to get the returns of those funds. It's the one thing that isn't guaranteed because past performance is an indicative of future performance, but hopefully being those index funds, it sets you up a nice long term sustained growth. And then with that, you will pay some brokerage costs and that CGT liability, but hopefully over the long term paying less investment costs, it just puts you in a better position and it has a little less volatility while increasing your exposure to those growth assets.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now the short term risk there is when changing up those investments with the markets are currently with the war, you may miss out on some potential gains if the market was to take a bit of a die or jump while you're sort of in in cash, if it takes a bit of a dive in that period, you get it for a little bit less. That's just something to be mindful of. But given your age, you do have plenty of time to recover even if it\n\nChannel 1: Yes.\n\nChannel 0: is a few percent bump while you're sitting in cash there to buy back in. That's just something to be aware of. And then with the alternatives, we did look at sort of alternative funds, maintaining active investment, but due to the the high cost of active management and then the lower historical investment returns at the moment and then high capital gains implications, we discontinued that. And then also looking at changing funds potentially to achieve a platform, it just worked out with the capital gains liability you have there. It's just better off staying with hub with the benefits you do get there, if that makes sense.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. On page 16 there, you will be able to see the changes in those investments, what you'll be selling out of and what you'll be buying into. Now with that, the core of your portfolio will be the S and P 500, the top 500 companies in America. And then you'll also have in that the main call bit will be the BetaShares Australian 200, which is the top 200 companies in Australia. And then\n\nChannel 1: Yep.\n\nChannel 0: around that, you'll also have, in addition to that, some bonds for defensive asset, a Vanguard All World excluding US to get some exposure outside The US, and then you'll have Japan and Europe in that portfolio there as well. And then some physical gold and then beta share cybersecurity would be the the other investments in your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: You'll be able to see those buy sells on page sixteen and seventeen there if you do wanna have a look at those. And then the main thing there on page 18, you'll be able to see that you'll move from about 86% in growth assets, about 13% defensive to around 95% growth assets, around 5% defensive, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Do you have any questions in regards to that investment switch or the changes in your investment?\n\nChannel 1: Not really.\n\nChannel 0: Yeah. Not a problem at all. Now on page 19 there, you'll be able to see an illustration of that of the cost savings in regards to your investment, the capital gains bill that you would be paying there, and then the within regards to that one, on average, it will be around $250 you'll save in terms of, like, cost savings year on year. With the investment cost, obviously, your superannuation as that grows, that figure changes. And then the recommended investment has historically performed better over a three year period.\n\nBut in saying that past performance isn't indicative of those future performance, the markets aren't gonna replicate year on year. I don't know what Trump's doing today, let alone tomorrow or what he's gonna tweet, and that has a direct correlation of sort of what the markets are doing. But in saying that over a long term period of time, having those index investments over that sort of twenty year period, maintaining invested, doing your contributions, it's historically showing that they do perform generally better than actively managed funds. And\n\nChannel 1: Yep.\n\nChannel 0: then with that, carry a little bit less volatility as long as the market's doing well. And if the market's doing poorly, it means that everyone's probably in the same boat much like now at the moment with the war or like a COVID event per se.\n\nChannel 1: Yes.\n\nChannel 0: So the goal is that obviously put you in a bit of a position over that next five to ten years. There is an illustration of that shows that what that might look like based on those past figures. But as I said, that's to be taken with a grain of salt. That's not like a a guaranteed return in five to ten years' time. It just shows you if the markets perform the exact same for the next three years as they did the past three years, that's what it might look like year on year.\n\nDo you have any questions in regards to the superannuation side of things or that investment change?\n\nChannel 1: Not really.\n\nChannel 0: Happy. In regards to the beneficiary nominations, we are recommending that set up a will and then establish a binding nomination to your legal personal representative, which will go to your estate. That's just given the fact that you do wanna nominate, like, sisters, mothers, you know, father, things like that. It\n\nChannel 1: Yep.\n\nChannel 0: just means that the nomination would be valid. Now the options for a will, there there are post office wills out there that aren't the most ironclad things, but they're generally cheaper, or you can go to a solicitor that will help you prepare a will, and then you can set up your nominations just to go to your legal person representative. You can preemptively fill out those forms to legal person represent representative to go to your state. It just means that you need a will in place to be able to distribute those funds per your wishes, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: Now that could change in the future if you had a spouse in a year's time and you do wanna nominate them. That's more than fine. You just fill out the form and change it to your spouse. That's no problem at all. Obviously, going to your estate, there is a little bit of a different tack as to where it goes to individuals that may be taxed.\n\nSo given that it's going to your estate there, the benefit of that is you don't get the the Medicare levy, but you still do get a a little bit of tax there when going there as opposed to having a dependent. But given even if you had an independent relationship, that adult is likely to be taxed even if they saw that as an interdependent relationship, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And then if it's a nondepen tax dependent such as, like, an adult that is independent relationship, it would still be, like, 15% super tax and then 2% Medicare levy for that individual as opposed to going to your estate there.\n\nChannel 1: Yes.\n\nChannel 0: I think, obviously, the benefit of setting up a will is, like, your assets that you do hold get distributed per your wishes in addition to your superannuation balances should anything happen. Now a power of attorney there the benefit of power of attorney, if anything did happen to where you were incapacitated, there is someone that there that might be able to make financial or medical health decisions for you. If you do set up, like, an advanced health care directive, things like that, it takes a lot of the decisions out of, like, your family's hands should something go wrong if you put it on a piece of paper form in addition to the fact that it's able to sort of pay bills on your behalf and not sort of have to go through the courts to to get that if you do have that in conjunction with the will. If anything sort of was to happen where you're unable to make some financial decisions for yourself.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any questions in regards to those two things? Obviously, I skipped over those a little bit because we've discussed, like, wills and estates previously. But do you have any questions regarding wills and estates?\n\nChannel 1: Not really. Is\n\nChannel 0: All all make\n\nChannel 1: it?\n\nChannel 0: sense?\n\nChannel 1: Yeah. For the moment. Yep.\n\nChannel 0: Yep. Obviously, at any point, you can give us a call up if you were sort of thinking about going down. Does the solicitor have any questions regarding that? You can always give us a call and have a chat about that. That's no problem at all.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, in regards to the adviser fee, it is still the 1.65% of the superannuation balance is around the 1,900 or $1,961 and then 22% of the Clearview insurance premium, which is around $244. Now that's based on percentage of the the balance and then percentage of your premium. You don't pay us an additional cost for the insurance that we do receive. We just get it as a remuneration for holding a policy with that insurer out of the premium that you pay them. We just have to disclose it based on the fact that we do receive it.\n\nObviously, the superannuation fee for ongoing client, that comes directly out of your superannuation, if that all makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any questions in regards to fee or how that's charged or anything there, Benjamin?\n\nChannel 1: No.\n\nChannel 0: Not a problem at all. Now in regards to the advice piece, if you were happy to implement everything, if you did sign the document, they would update the investments on your behalf and switch that for you once you did sign. And then they would send you out the the beneficiary forms, and it'd be up to you to be able to fill those out and send those back, and then also in regards to speaking with a lawyer and setting up the will and a power of attorney.\n\nChannel 1: Yeah. Yeah. Yeah. And there's no point filling out beneficiary things because I need to do a will. There's no yeah.\n\nI can't do beneficiaries without a will.\n\nChannel 0: Yeah. You\n\nChannel 1: So\n\nChannel 0: can still fill them out preemptively\n\nChannel 1: oh,\n\nChannel 0: and\n\nChannel 1: okay.\n\nChannel 0: then just have it yeah. And then, like, obviously, you\n\nChannel 1: Because\n\nChannel 0: know, as\n\nChannel 1: once\n\nChannel 0: long\n\nChannel 1: I do\n\nChannel 0: as nothing\n\nChannel 1: the will,\n\nChannel 0: happens\n\nChannel 1: I need\n\nChannel 0: between\n\nChannel 1: to have that to go with it to send\n\nChannel 0: no. You can just fill out the beneficiaries as, like, legal person representative is the recommendation. And then once you set up your will, it's not until anything happens that it actually means anything.\n\nChannel 1: to you.\n\nChannel 0: It's\n\nChannel 1: Okay.\n\nChannel 0: just on file.\n\nChannel 1: Sure.\n\nChannel 0: You can obviously, as long as nothing happens for now and you setting up your will, that's more than fine. And even if it did, the likelihood even if you had, like, your mother, sister, or anything as a nomination, the likelihood they would find it as a as a nomination, the likelihood they would find it as a non valid nomination, and it would likely end up at your estate anyway unless\n\nChannel 1: Yep.\n\nChannel 0: they, yeah, sorta saw any sort of independent relationship, which is generally quite rare if you rare if you're not sort of supporting them financially or anything like that\n\nChannel 1: Yep.\n\nChannel 0: and giving you're not living with them.\n\nChannel 1: Yep.\n\nChannel 0: But in saying that, you can still fill out the forms or at least you can have a copy to fill out once you get it all sorted, which is which is fine. But that's a very sort of brief overview of the estate planning side of things. But in regards to superannuation investments, anything that I've discussed there today, is there anything you want a bit more clarification on or anything that didn't make sense\n\nChannel 1: No. I'm good.\n\nChannel 0: All makes sense? You're you're comfortable with the change from, like, a more active to a more passive approach in regards to your investments and how that will play out for the next few years? Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: If you did have any questions, obviously, feel free to give us a call up, have a look through if you wanted, or if you did sign it, that'd get the investment switch done sort of probably next week sometime. And then that would all be enforced, and then it's up to the state planning side of you to do in your your own time, but they'll send you the forms at least.\n\nChannel 1: Yes.\n\nChannel 0: And then if you have any questions regarding that, you can always give us a call. But anything else you wanna have a chat about while you've got me there at all then?\n\nChannel 1: Nothing's all good.\n\nChannel 0: Not a problem at all. Any questions you do have or do come up, feel free to give us a a ring, but otherwise, I'll let you get back to your afternoon.\n\nChannel 1: Lovely. Thank you.\n\nChannel 0: Cheers, Benjamin. You enjoy the rest of your hour. I'll talk soon.\n\nChannel 1: Cheers.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good day, mate.","start":0.56,"end":1.28,"sentiment":"positive","sentiment_score":0.4879230459531148},{"text":"Not sure what's going on.","start":1.28,"end":2.82,"sentiment":"neutral","sentiment_score":-0.1826688677072525}],"sentiment":"neutral","sentiment_score":0.06880309991538525,"channel":1,"num_words":8,"start":0.56,"end":2.82},{"sentences":[{"text":"Yeah.","start":3.36,"end":3.6799998,"sentiment":"neutral","sentiment_score":-0.14371110498905182},{"text":"I'm not too sure if it's a bad connection or not, but I'm not too sure why it keeps dropping out there.","start":3.6799998,"end":8.74,"sentiment":"negative","sentiment_score":-0.4010730656710538}],"sentiment":"negative","sentiment_score":-0.38988341520661896,"channel":0,"num_words":23,"start":3.36,"end":8.74},{"sentences":[{"text":"Not sure, mate.","start":8.88,"end":9.5199995,"sentiment":"neutral","sentiment_score":-0.1851852685213089},{"text":"Let's see what you're about to.","start":9.5199995,"end":10.9,"sentiment":"neutral","sentiment_score":-0.055926778664191566}],"sentiment":"neutral","sentiment_score":-0.09901294194989735,"channel":1,"num_words":9,"start":8.88,"end":10.9},{"sentences":[{"text":"Yeah.","start":11.28,"end":11.679999,"sentiment":"neutral","sentiment_score":-0.00830165296792984},{"text":"I'll try and make it a little bit quicker so in case you have a bad connection, it keeps dropping out there.","start":11.679999,"end":16.275,"sentiment":"neutral","sentiment_score":-0.09992060454731638},{"text":"But again, unfortunately, if I could just pass","start":16.275,"end":17.955,"sentiment":"neutral","sentiment_score":-0.15241784323006868}],"sentiment":"neutral","sentiment_score":-0.11051282899514321,"channel":0,"num_words":31,"start":11.28,"end":17.955},{"sentences":[{"text":"Yeah.","start":17.905,"end":18.225,"sentiment":"neutral","sentiment_score":-0.025628425180912014}],"sentiment":"neutral","sentiment_score":-0.025628425180912014,"channel":1,"num_words":1,"start":17.905,"end":18.225},{"sentences":[{"text":"you","start":17.955,"end":18.275,"sentiment":"neutral","sentiment_score":-0.006659865379333496}],"sentiment":"neutral","sentiment_score":-0.006659865379333496,"channel":0,"num_words":1,"start":17.955,"end":18.275},{"sentences":[{"text":"Yeah.","start":18.225,"end":18.625,"sentiment":"neutral","sentiment_score":-0.007579256780445576}],"sentiment":"neutral","sentiment_score":-0.007579256780445576,"channel":1,"num_words":1,"start":18.225,"end":18.625},{"sentences":[{"text":"through security","start":18.275,"end":19.015,"sentiment":"neutral","sentiment_score":-0.0228525809943676}],"sentiment":"neutral","sentiment_score":-0.0228525809943676,"channel":0,"num_words":2,"start":18.275,"end":19.015},{"sentences":[{"text":"Benjamin Carter, the 1990.","start":18.625,"end":22.165,"sentiment":"neutral","sentiment_score":-0.0016204551793634892}],"sentiment":"neutral","sentiment_score":-0.0016204551793634892,"channel":1,"num_words":4,"start":18.625,"end":22.165},{"sentences":[{"text":"yep.","start":22.035,"end":22.535,"sentiment":"neutral","sentiment_score":0.007057064678519964}],"sentiment":"neutral","sentiment_score":0.007057064678519964,"channel":0,"num_words":1,"start":22.035,"end":22.535},{"sentences":[{"text":"89 Meroe Road, Landau.","start":22.465,"end":23.845001,"sentiment":"neutral","sentiment_score":0.013814750825986266}],"sentiment":"neutral","sentiment_score":0.013814750825986266,"channel":1,"num_words":4,"start":22.465,"end":23.845001},{"sentences":[{"text":"Sorry.","start":24.755,"end":25.075,"sentiment":"neutral","sentiment_score":0.03052840754389763},{"text":"Thanks.","start":25.075,"end":25.395,"sentiment":"neutral","sentiment_score":0.32336121797561646},{"text":"And and then, yeah, these calls are recorded there.","start":25.395,"end":27.895,"sentiment":"neutral","sentiment_score":0.0691884598798222},{"text":"As I was saying there, so the high growth portfolio is about that ninety ten split.","start":28.14,"end":32.22,"sentiment":"neutral","sentiment_score":0.10553155397064984},{"text":"So it would be increasing your exposure slightly to those growth assets aiming for that longer term.","start":32.22,"end":36.72,"sentiment":"neutral","sentiment_score":0.17590984833591125}],"sentiment":"neutral","sentiment_score":0.12853541021997278,"channel":0,"num_words":44,"start":24.755,"end":36.72},{"sentences":[{"text":"Growth, obviously, in the short term with the war and everything, it's likely to have a bit more volatility, and we'll see those higher fluctuations of ups and downs.","start":36.78,"end":43.875,"sentiment":"neutral","sentiment_score":-0.07549532515735462},{"text":"But over the long term, having that higher allocation of growth assets does mean that you have the chance and exposure","start":44.435,"end":49.495,"sentiment":"neutral","sentiment_score":0.3118527453570139}],"sentiment":"neutral","sentiment_score":0.08719086445868016,"channel":0,"num_words":50,"start":36.78,"end":49.495},{"sentences":[{"text":"Yep.","start":49.485,"end":49.985,"sentiment":"neutral","sentiment_score":0.27053895592689514}],"sentiment":"neutral","sentiment_score":0.27053895592689514,"channel":1,"num_words":1,"start":49.485,"end":49.985},{"sentences":[{"text":"to get more capital growth over that longer period of time.","start":49.795,"end":52.614998,"sentiment":"positive","sentiment_score":0.3552797639911825}],"sentiment":"positive","sentiment_score":0.3552797639911825,"channel":0,"num_words":11,"start":49.795,"end":52.614998},{"sentences":[{"text":"Yep.","start":52.925003,"end":53.425003,"sentiment":"neutral","sentiment_score":0.20852278172969815}],"sentiment":"neutral","sentiment_score":0.20852278172969815,"channel":1,"num_words":1,"start":52.925003,"end":53.425003},{"sentences":[{"text":"Now in regards to best interest, Judy, obviously, maintaining hub twenty four, it means you don't have to pay as large capital gains because we'll be looking at keeping a core of your portfolio the same.","start":53.315,"end":62.13,"sentiment":"neutral","sentiment_score":0.30934131145477295}],"sentiment":"neutral","sentiment_score":0.30934131145477295,"channel":0,"num_words":36,"start":53.315,"end":62.13},{"sentences":[{"text":"Yep.","start":62.36,"end":62.86,"sentiment":"neutral","sentiment_score":0.3066568374633789}],"sentiment":"neutral","sentiment_score":0.3066568374633789,"channel":1,"num_words":1,"start":62.36,"end":62.86},{"sentences":[{"text":"Within regards to that portfolio that or platform that you're familiar with, it's still competitive in the market.","start":62.51,"end":68.35,"sentiment":"positive","sentiment_score":0.39259085224734414},{"text":"It's like, with its reporting capabilities and ease of advice implementation for more advanced strategies, adviser led.","start":68.35,"end":75.91499,"sentiment":"positive","sentiment_score":0.4672197278808145},{"text":"It is still a competitive market and product in the market.","start":76.134995,"end":79.515,"sentiment":"positive","sentiment_score":0.5706459175456654},{"text":"And","start":80.534996,"end":80.774994,"sentiment":"positive","sentiment_score":0.488066166639328}],"sentiment":"positive","sentiment_score":0.46328812710782313,"channel":0,"num_words":47,"start":62.51,"end":80.774994},{"sentences":[{"text":"Yes.","start":80.73,"end":81.23,"sentiment":"positive","sentiment_score":0.4520472288131714}],"sentiment":"positive","sentiment_score":0.4520472288131714,"channel":1,"num_words":1,"start":80.73,"end":81.23},{"sentences":[{"text":"then with that, we're aiming to just put you in a better position over that next five to ten year period as I was saying.","start":80.774994,"end":85.814995,"sentiment":"positive","sentiment_score":0.5288085740804672},{"text":"Now the recommended portfolio although your portfolio has done quite well, minus the Benelon, we're looking at recommending you a more lower cost investment option moving forward that's a bit more passive, reduced fees that's, gonna increase the amount of money you have going towards your investments and returns over the long term and that compounding effect will result in a a CGT liability of around the $420.","start":85.814995,"end":109.09499,"sentiment":"neutral","sentiment_score":0.3075804969514994},{"text":"But with that, the investment saving each year will be around $377 per annum.","start":109.475,"end":114.1,"sentiment":"neutral","sentiment_score":0.2660106101206371},{"text":"So with that, in a couple of years, you would have recouped the cost of the CDT and the switch just on those fee savings alone with the investment switch.","start":114.1,"end":121.96,"sentiment":"positive","sentiment_score":0.3428025444348653}],"sentiment":"positive","sentiment_score":0.35141542349962424,"channel":0,"num_words":137,"start":80.774994,"end":121.96},{"sentences":[{"text":"Yes.","start":121.605,"end":122.105,"sentiment":"positive","sentiment_score":0.39722779393196106}],"sentiment":"positive","sentiment_score":0.39722779393196106,"channel":1,"num_words":1,"start":121.605,"end":122.105},{"sentences":[{"text":"Now within regards to that, it will help increase your diversification there with the areas that we're looking at recommending in the portfolio.","start":123.21999,"end":130.485,"sentiment":"positive","sentiment_score":0.4631293610386226},{"text":"It'll reduce the volatility in the portfolio even though you're increasing your exposure to growth assets because we are looking at removing those actively managed funds and just having that index approach, which means you're just tracking the indexes.","start":131.105,"end":141.8,"sentiment":"neutral","sentiment_score":0.17549088731026039},{"text":"You're not aiming to outperform that market.","start":141.8,"end":143.64,"sentiment":"neutral","sentiment_score":-0.008186969373907362},{"text":"You're just looking to track what the market's doing.","start":143.64,"end":145.98,"sentiment":"neutral","sentiment_score":0.1100337335632907},{"text":"And then with that, removes the level of management risk there as well in your portfolio.","start":146.76,"end":151.95999,"sentiment":"neutral","sentiment_score":-0.06517617241479456}],"sentiment":"neutral","sentiment_score":0.1849605953915322,"channel":0,"num_words":94,"start":123.21999,"end":151.95999},{"sentences":[{"text":"So although you're increasing your risk in terms of having more growth assets, you won't have that active management risk like what occurred with Bennelong.","start":151.95999,"end":158.60501,"sentiment":"neutral","sentiment_score":-0.137417920678854},{"text":"You're just tracking what the market's doing.","start":159.30501,"end":160.825,"sentiment":"neutral","sentiment_score":0.023630401651774133},{"text":"If the market's doing well, you do quite well.","start":160.825,"end":162.74501,"sentiment":"neutral","sentiment_score":0.13616942365964255},{"text":"If the market take a bit of a dip, although your super might take a little bit of a dip as well, it just means that unless you're with a fund manager that actually picked the winners in that scenario, then likelihood would be that your super would take that dip as well like what happened with METALON except that was outside that, and it almost did worse than the indexes over that period of time, if that makes sense.","start":162.74501,"end":185.805,"sentiment":"negative","sentiment_score":-0.352347463183105}],"sentiment":"neutral","sentiment_score":-0.24985378055471527,"channel":0,"num_words":121,"start":151.95999,"end":185.805},{"sentences":[{"text":"No.","start":186.125,"end":186.28499,"sentiment":"neutral","sentiment_score":-0.21847763657569885},{"text":"Really.","start":186.28499,"end":186.685,"sentiment":"neutral","sentiment_score":-0.16535626351833344},{"text":"That's okay.","start":186.685,"end":187.50499,"sentiment":"neutral","sentiment_score":-0.013664117082953453}],"sentiment":"neutral","sentiment_score":-0.1027905335649848,"channel":1,"num_words":4,"start":186.125,"end":187.50499},{"sentences":[{"text":"Okay.","start":188.025,"end":188.525,"sentiment":"neutral","sentiment_score":0.049891892820596695},{"text":"So the the main thing there is, obviously, you're just you're changing up your investments.","start":188.905,"end":193.065,"sentiment":"neutral","sentiment_score":0.025681283324956894},{"text":"You're removing those active management risks, which means you don't have anyone that is managing the fund and picking and choosing the investments.","start":193.065,"end":199.36,"sentiment":"neutral","sentiment_score":-0.08877585536759833},{"text":"It just means that, say, like, the S and P 500, top 500 companies in America, you hold those top 500.","start":199.36,"end":205.36,"sentiment":"neutral","sentiment_score":0.04810505750633422},{"text":"And if a company gets big enough and goes into that comp top 500, you'll own it.","start":205.36,"end":209.28,"sentiment":"neutral","sentiment_score":0.04597177970058778}],"sentiment":"neutral","sentiment_score":0.0024025056075740172,"channel":0,"num_words":77,"start":188.025,"end":209.28},{"sentences":[{"text":"And if it gets","start":209.28,"end":210.16,"sentiment":"neutral","sentiment_score":-0.022805260960012674}],"sentiment":"neutral","sentiment_score":-0.022805260960012674,"channel":0,"num_words":4,"start":209.28,"end":210.16},{"sentences":[{"text":"Okay.","start":209.765,"end":210.265,"sentiment":"neutral","sentiment_score":-0.09545090794563292}],"sentiment":"neutral","sentiment_score":-0.09545090794563292,"channel":1,"num_words":1,"start":209.765,"end":210.265},{"sentences":[{"text":"worse and falls out, then it'll drop out.","start":210.16,"end":212.025,"sentiment":"negative","sentiment_score":-0.36695821210741997},{"text":"You're not having a manager picking and choosing winners, whereas, like, Benelon was picking and choosing, and they picked the wrong wrong investment.","start":212.025,"end":218.44499,"sentiment":"negative","sentiment_score":-0.3344723932121111},{"text":"And then with that announcement, caused their fund to take a bit of a dive, whereas that doesn't typically occur to the extent that it happened with Benelon in an index fund, if that makes sense.","start":218.745,"end":227.19,"sentiment":"neutral","sentiment_score":-0.1825717446497745}],"sentiment":"neutral","sentiment_score":-0.25673303803178804,"channel":0,"num_words":67,"start":210.16,"end":227.19},{"sentences":[{"text":"Yes.","start":227.36,"end":227.86,"sentiment":"neutral","sentiment_score":0.1827484965324402}],"sentiment":"neutral","sentiment_score":0.1827484965324402,"channel":1,"num_words":1,"start":227.36,"end":227.86},{"sentences":[{"text":"Perfect.","start":228.95,"end":229.45,"sentiment":"positive","sentiment_score":0.44743168354034424},{"text":"So the advantages of that is it's a lower investment fee.","start":229.83,"end":232.81,"sentiment":"positive","sentiment_score":0.4778359044681896},{"text":"It's along with the agreed risk profile increasing that risk.","start":232.87,"end":235.19,"sentiment":"positive","sentiment_score":0.5043933838605881},{"text":"You'd be able to remain a client at Ophi Financial, and you'll eliminate that manager risk.","start":235.19,"end":238.97,"sentiment":"positive","sentiment_score":0.4743896033614874},{"text":"Disadvantages is there's no guarantee that investments obviously perform as recommended.","start":239.03,"end":243.495,"sentiment":"negative","sentiment_score":-0.35384429042989557}],"sentiment":"neutral","sentiment_score":0.29480626388471953,"channel":0,"num_words":49,"start":228.95,"end":243.495},{"sentences":[{"text":"That's the one thing that's, you know, poor about investments in the market is that you're not guaranteed to get the returns of those funds.","start":243.55501,"end":250.515,"sentiment":"negative","sentiment_score":-0.3487447756528854},{"text":"It's the one thing that isn't guaranteed because past performance is an indicative of future performance, but hopefully being those index funds, it sets you up a nice long term sustained growth.","start":250.515,"end":258.45,"sentiment":"neutral","sentiment_score":-0.0164143571164459},{"text":"And then with that, you will pay some brokerage costs and that CGT liability, but hopefully over the long term paying less investment costs, it just puts you in a better position and it has a little less volatility while increasing your exposure to those growth assets.","start":259.49002,"end":271.67,"sentiment":"neutral","sentiment_score":0.23598801344633102}],"sentiment":"neutral","sentiment_score":0.01776497897047263,"channel":0,"num_words":104,"start":243.55501,"end":271.67},{"sentences":[{"text":"Yes.","start":273.095,"end":273.595,"sentiment":"neutral","sentiment_score":0.1223934441804886}],"sentiment":"neutral","sentiment_score":0.1223934441804886,"channel":1,"num_words":1,"start":273.095,"end":273.595},{"sentences":[{"text":"Yep.","start":274.055,"end":274.555,"sentiment":"neutral","sentiment_score":0.1314148306846619},{"text":"Perfect.","start":274.775,"end":275.275,"sentiment":"neutral","sentiment_score":0.2262696921825409},{"text":"Now the short term risk there is when changing up those investments with the markets are currently with the war, you may miss out on some potential gains if the market was to take a bit of a die or jump while you're sort of in in cash, if it takes a bit of a dive in that period, you get it for a little bit less.","start":275.73502,"end":289.69,"sentiment":"neutral","sentiment_score":-0.03313507067401018},{"text":"That's just something to be mindful of.","start":289.69,"end":290.97,"sentiment":"neutral","sentiment_score":-0.08404739307505744},{"text":"But given your age, you do have plenty of time to recover even if it","start":290.97,"end":294.81,"sentiment":"neutral","sentiment_score":-0.04475169529517491}],"sentiment":"neutral","sentiment_score":-0.0343073889367528,"channel":0,"num_words":91,"start":274.055,"end":294.81},{"sentences":[{"text":"Yes.","start":294.75497,"end":295.25497,"sentiment":"neutral","sentiment_score":-0.0142100490629673}],"sentiment":"neutral","sentiment_score":-0.0142100490629673,"channel":1,"num_words":1,"start":294.75497,"end":295.25497},{"sentences":[{"text":"is a few percent bump while you're sitting in cash there to buy back in.","start":294.81,"end":299.23,"sentiment":"neutral","sentiment_score":-0.014539178212483723},{"text":"That's just something to be aware of.","start":299.69,"end":301.31,"sentiment":"neutral","sentiment_score":-0.057288758456707},{"text":"And then with the alternatives, we did look at sort of alternative funds, maintaining active investment, but due to the the high cost of active management and then the lower historical investment returns at the moment and then high capital gains implications, we discontinued that.","start":301.585,"end":316.53,"sentiment":"neutral","sentiment_score":-0.10063793833057086},{"text":"And then also looking at changing funds potentially to achieve a platform, it just worked out with the capital gains liability you have there.","start":316.69,"end":323.01,"sentiment":"neutral","sentiment_score":0.028329613463332255},{"text":"It's just better off staying with hub with the benefits you do get there, if that makes sense.","start":323.01,"end":327.19,"sentiment":"neutral","sentiment_score":0.14367582369595766}],"sentiment":"neutral","sentiment_score":-0.017263675757914508,"channel":0,"num_words":109,"start":294.81,"end":327.19},{"sentences":[{"text":"Yep.","start":327.175,"end":327.255,"sentiment":"neutral","sentiment_score":0.21379123628139496},{"text":"Yep.","start":327.255,"end":327.755,"sentiment":"neutral","sentiment_score":0.31375759840011597}],"sentiment":"neutral","sentiment_score":0.26377441734075546,"channel":1,"num_words":2,"start":327.175,"end":327.755},{"sentences":[{"text":"Perfect.","start":328.45,"end":328.95,"sentiment":"positive","sentiment_score":0.5768792629241943},{"text":"On page 16 there, you will be able to see the changes in those investments, what you'll be selling out of and what you'll be buying into.","start":329.31497,"end":334.85498,"sentiment":"neutral","sentiment_score":0.32443177700042725},{"text":"Now with that, the core of your portfolio will be the S and P 500, the top 500 companies in America.","start":335.155,"end":340.215,"sentiment":"neutral","sentiment_score":0.23531720397018252},{"text":"And then you'll also have in that the main call bit will be the BetaShares Australian 200, which is the top 200 companies in Australia.","start":340.35498,"end":347.38,"sentiment":"neutral","sentiment_score":0.23444849193096162},{"text":"And then","start":348.24,"end":348.72,"sentiment":"neutral","sentiment_score":0.1712201088666916}],"sentiment":"neutral","sentiment_score":0.26949804001732874,"channel":0,"num_words":76,"start":328.45,"end":348.72},{"sentences":[{"text":"Yep.","start":348.645,"end":349.145,"sentiment":"neutral","sentiment_score":0.14907191693782806}],"sentiment":"neutral","sentiment_score":0.14907191693782806,"channel":1,"num_words":1,"start":348.645,"end":349.145},{"sentences":[{"text":"around that, you'll also have, in addition to that, some bonds for defensive asset, a Vanguard All World excluding US to get some exposure outside The US, and then you'll have Japan and Europe in that portfolio there as well.","start":348.72,"end":361.835,"sentiment":"neutral","sentiment_score":0.1722772906534374},{"text":"And then some physical gold and then beta share cybersecurity would be the the other investments in your portfolio.","start":361.89502,"end":368.315,"sentiment":"neutral","sentiment_score":0.18368239073376907}],"sentiment":"neutral","sentiment_score":0.17595011949286624,"channel":0,"num_words":59,"start":348.72,"end":368.315},{"sentences":[{"text":"Yep.","start":369.36002,"end":369.86002,"sentiment":"neutral","sentiment_score":0.29991036653518677}],"sentiment":"neutral","sentiment_score":0.29991036653518677,"channel":1,"num_words":1,"start":369.36002,"end":369.86002},{"sentences":[{"text":"You'll be able to see those buy sells on page sixteen and seventeen there if you do wanna have a look at those.","start":370.87,"end":376.33,"sentiment":"positive","sentiment_score":0.34651458522547846},{"text":"And then the main thing there on page 18, you'll be able to see that you'll move from about 86% in growth assets, about 13% defensive to around 95% growth assets, around 5% defensive, if that makes sense.","start":376.47,"end":388.445,"sentiment":"neutral","sentiment_score":0.23020629388721367}],"sentiment":"neutral","sentiment_score":0.27406023980164135,"channel":0,"num_words":61,"start":370.87,"end":388.445},{"sentences":[{"text":"Yep.","start":388.65002,"end":389.15002,"sentiment":"neutral","sentiment_score":0.2613902688026428}],"sentiment":"neutral","sentiment_score":0.2613902688026428,"channel":1,"num_words":1,"start":388.65002,"end":389.15002},{"sentences":[{"text":"Perfect.","start":390.665,"end":391.065,"sentiment":"positive","sentiment_score":0.48302966356277466},{"text":"Do you have any questions in regards to that investment switch or the changes in your investment?","start":391.065,"end":394.685,"sentiment":"neutral","sentiment_score":0.12788558773258152}],"sentiment":"neutral","sentiment_score":0.14761581416759226,"channel":0,"num_words":18,"start":390.665,"end":394.685},{"sentences":[{"text":"Not really.","start":394.97,"end":395.71002,"sentiment":"neutral","sentiment_score":0.11012161336839199}],"sentiment":"neutral","sentiment_score":0.11012161336839199,"channel":1,"num_words":2,"start":394.97,"end":395.71002},{"sentences":[{"text":"Yeah.","start":396.52,"end":396.84,"sentiment":"neutral","sentiment_score":0.15806594491004944},{"text":"Not a problem at all.","start":396.84,"end":398.06,"sentiment":"neutral","sentiment_score":0.2748268783092499},{"text":"Now on page 19 there, you'll be able to see an illustration of that of the cost savings in regards to your investment, the capital gains bill that you would be paying there, and then the within regards to that one, on average, it will be around $250 you'll save in terms of, like, cost savings year on year.","start":398.68,"end":415.64502,"sentiment":"neutral","sentiment_score":0.28867621416762723},{"text":"With the investment cost, obviously, your superannuation as that grows, that figure changes.","start":416.665,"end":420.445,"sentiment":"neutral","sentiment_score":0.11461839223137268},{"text":"And then the recommended investment has historically performed better over a three year period.","start":420.58502,"end":425.34998,"sentiment":"neutral","sentiment_score":0.25613872706890106}],"sentiment":"neutral","sentiment_score":0.2569573722860735,"channel":0,"num_words":92,"start":396.52,"end":425.34998},{"sentences":[{"text":"But in saying that past performance isn't indicative of those future performance, the markets aren't gonna replicate year on year.","start":425.65,"end":430.84998,"sentiment":"neutral","sentiment_score":-0.18063287176191806},{"text":"I don't know what Trump's doing today, let alone tomorrow or what he's gonna tweet, and that has a direct correlation of sort of what the markets are doing.","start":430.84998,"end":438.31,"sentiment":"neutral","sentiment_score":-0.13062103362432842},{"text":"But in saying that over a long term period of time, having those index investments over that sort of twenty year period, maintaining invested, doing your contributions, it's historically showing that they do perform generally better than actively managed funds.","start":438.63498,"end":452.46,"sentiment":"neutral","sentiment_score":0.3317232131958008},{"text":"And","start":452.69998,"end":452.94,"sentiment":"neutral","sentiment_score":0.2008916139602661}],"sentiment":"neutral","sentiment_score":0.0674350303494268,"channel":0,"num_words":90,"start":425.65,"end":452.94},{"sentences":[{"text":"Yep.","start":452.76,"end":453.26,"sentiment":"neutral","sentiment_score":0.225977823138237}],"sentiment":"neutral","sentiment_score":0.225977823138237,"channel":1,"num_words":1,"start":452.76,"end":453.26},{"sentences":[{"text":"then with that, carry a little bit less volatility as long as the market's doing well.","start":452.94,"end":456.78,"sentiment":"neutral","sentiment_score":0.2787562934681773},{"text":"And if the market's doing poorly, it means that everyone's probably in the same boat much like now at the moment with the war or like a COVID event per se.","start":456.78,"end":465.105,"sentiment":"neutral","sentiment_score":-0.17520219159703102}],"sentiment":"neutral","sentiment_score":-0.020663132851428175,"channel":0,"num_words":47,"start":452.94,"end":465.105},{"sentences":[{"text":"Yes.","start":465.345,"end":465.845,"sentiment":"neutral","sentiment_score":0.14557579159736633}],"sentiment":"neutral","sentiment_score":0.14557579159736633,"channel":1,"num_words":1,"start":465.345,"end":465.845},{"sentences":[{"text":"So the goal is that obviously put you in a bit of a position over that next five to ten years.","start":467.185,"end":470.785,"sentiment":"positive","sentiment_score":0.3602317145892552},{"text":"There is an illustration of that shows that what that might look like based on those past figures.","start":470.785,"end":474.465,"sentiment":"neutral","sentiment_score":0.14473569144805273},{"text":"But as I said, that's to be taken with a grain of salt.","start":474.465,"end":476.625,"sentiment":"neutral","sentiment_score":-0.1157797288436156},{"text":"That's not like a a guaranteed return in five to ten years' time.","start":476.625,"end":480.30002,"sentiment":"neutral","sentiment_score":-0.10870425661022846},{"text":"It just shows you if the markets perform the exact same for the next three years as they did the past three years, that's what it might look like year on year.","start":480.30002,"end":486.96002,"sentiment":"neutral","sentiment_score":0.12861460796557367}],"sentiment":"neutral","sentiment_score":0.11719055769523394,"channel":0,"num_words":97,"start":467.185,"end":486.96002},{"sentences":[{"text":"Do you have any questions in regards to the superannuation side of things or that investment change?","start":490.135,"end":494.635,"sentiment":"neutral","sentiment_score":-0.011956713764983065}],"sentiment":"neutral","sentiment_score":-0.011956713764983065,"channel":0,"num_words":17,"start":490.135,"end":494.635},{"sentences":[{"text":"Not really.","start":494.945,"end":495.685,"sentiment":"neutral","sentiment_score":-0.27396831661462784}],"sentiment":"neutral","sentiment_score":-0.27396831661462784,"channel":1,"num_words":2,"start":494.945,"end":495.685},{"sentences":[{"text":"Happy.","start":497.415,"end":497.915,"sentiment":"neutral","sentiment_score":-0.09481891989707948},{"text":"In regards to the beneficiary nominations, we are recommending that set up a will and then establish a binding nomination to your legal personal representative, which will go to your estate.","start":499.095,"end":508.06,"sentiment":"neutral","sentiment_score":0.09620378743256291},{"text":"That's just given the fact that you do wanna nominate, like, sisters, mothers, you know, father, things like that.","start":508.28,"end":513.5,"sentiment":"neutral","sentiment_score":0.18435508404907427},{"text":"It","start":513.56,"end":513.72003,"sentiment":"neutral","sentiment_score":0.2285728454589844}],"sentiment":"neutral","sentiment_score":0.12728496024814936,"channel":0,"num_words":52,"start":497.415,"end":513.72003},{"sentences":[{"text":"Yep.","start":513.705,"end":514.205,"sentiment":"neutral","sentiment_score":0.28927189111709595}],"sentiment":"neutral","sentiment_score":0.28927189111709595,"channel":1,"num_words":1,"start":513.705,"end":514.205},{"sentences":[{"text":"just means that the nomination would be valid.","start":513.72003,"end":516.06,"sentiment":"neutral","sentiment_score":0.32956304773688316},{"text":"Now the options for a will, there there are post office wills out there that aren't the most ironclad things, but they're generally cheaper, or you can go to a solicitor that will help you prepare a will, and then you can set up your nominations just to go to your legal person representative.","start":516.415,"end":529.075,"sentiment":"neutral","sentiment_score":0.16645749030565773},{"text":"You can preemptively fill out those forms to legal person represent representative to go to your state.","start":529.44,"end":534.42,"sentiment":"neutral","sentiment_score":0.2332668786539751},{"text":"It just means that you need a will in place to be able to distribute those funds per your wishes, if that makes sense.","start":534.56,"end":539.3,"sentiment":"neutral","sentiment_score":0.32376449803511304}],"sentiment":"neutral","sentiment_score":0.22680673542097934,"channel":0,"num_words":103,"start":513.72003,"end":539.3},{"sentences":[{"text":"Yeah.","start":539.39,"end":539.89,"sentiment":"positive","sentiment_score":0.3569280505180359}],"sentiment":"positive","sentiment_score":0.3569280505180359,"channel":1,"num_words":1,"start":539.39,"end":539.89},{"sentences":[{"text":"Now that could change in the future if you had a spouse in a year's time and you do wanna nominate them.","start":541.2,"end":545.495,"sentiment":"positive","sentiment_score":0.43611759624697943},{"text":"That's more than fine.","start":545.495,"end":546.295,"sentiment":"positive","sentiment_score":0.627958133816719},{"text":"You just fill out the form and change it to your spouse.","start":546.295,"end":548.475,"sentiment":"positive","sentiment_score":0.4121657907962799},{"text":"That's no problem at all.","start":548.935,"end":550.39496,"sentiment":"positive","sentiment_score":0.5824604868888855},{"text":"Obviously, going to your estate, there is a little bit of a different tack as to where it goes to individuals that may be taxed.","start":550.935,"end":557.195,"sentiment":"neutral","sentiment_score":-0.058377474695444104}],"sentiment":"neutral","sentiment_score":0.272136392784031,"channel":0,"num_words":68,"start":541.2,"end":557.195},{"sentences":[{"text":"So given that it's going to your estate there, the benefit of that is you don't get the the Medicare levy, but you still do get a a little bit of tax there when going there as opposed to having a dependent.","start":557.415,"end":570.28,"sentiment":"neutral","sentiment_score":0.0439564592781521},{"text":"But given even if you had an independent relationship, that adult is likely to be taxed even if they saw that as an interdependent relationship, if that makes sense.","start":570.615,"end":578.395,"sentiment":"neutral","sentiment_score":-0.025767183637824553}],"sentiment":"neutral","sentiment_score":0.015477788227964456,"channel":0,"num_words":71,"start":557.415,"end":578.395},{"sentences":[{"text":"Yep.","start":578.515,"end":579.015,"sentiment":"neutral","sentiment_score":0.12681132555007937}],"sentiment":"neutral","sentiment_score":0.12681132555007937,"channel":1,"num_words":1,"start":578.515,"end":579.015},{"sentences":[{"text":"Yep.","start":580.215,"end":580.695,"sentiment":"neutral","sentiment_score":0.14937035739421844},{"text":"And then if it's a nondepen tax dependent such as, like, an adult that is independent relationship, it would still be, like, 15% super tax and then 2% Medicare levy for that individual as opposed to going to your estate there.","start":580.695,"end":592.37,"sentiment":"neutral","sentiment_score":0.07705146085652637}],"sentiment":"neutral","sentiment_score":0.07877333934551903,"channel":0,"num_words":42,"start":580.215,"end":592.37},{"sentences":[{"text":"Yes.","start":592.56,"end":593.06,"sentiment":"neutral","sentiment_score":0.23377886414527893}],"sentiment":"neutral","sentiment_score":0.23377886414527893,"channel":1,"num_words":1,"start":592.56,"end":593.06},{"sentences":[{"text":"I think, obviously, the benefit of setting up a will is, like, your assets that you do hold get distributed per your wishes in addition to your superannuation balances should anything happen.","start":594.43,"end":604.045,"sentiment":"positive","sentiment_score":0.33736905409023166},{"text":"Now a power of attorney there the benefit of power of attorney, if anything did happen to where you were incapacitated, there is someone that there that might be able to make financial or medical health decisions for you.","start":604.505,"end":614.97003,"sentiment":"neutral","sentiment_score":0.16429794274079493},{"text":"If you do set up, like, an advanced health care directive, things like that, it takes a lot of the decisions out of, like, your family's hands should something go wrong if you put it on a piece of paper form in addition to the fact that it's able to sort of pay bills on your behalf and not sort of have to go through the courts to to get that if you do have that in conjunction with the will.","start":615.27,"end":633.93,"sentiment":"neutral","sentiment_score":0.23884135429505948},{"text":"If anything sort of was to happen where you're unable to make some financial decisions for yourself.","start":634.08997,"end":638.27,"sentiment":"neutral","sentiment_score":-0.21675820823977976}],"sentiment":"neutral","sentiment_score":0.19446561926391703,"channel":0,"num_words":169,"start":594.43,"end":638.27},{"sentences":[{"text":"Yep.","start":638.975,"end":639.475,"sentiment":"neutral","sentiment_score":0.04385956376791}],"sentiment":"neutral","sentiment_score":0.04385956376791,"channel":1,"num_words":1,"start":638.975,"end":639.475},{"sentences":[{"text":"Do you have any questions in regards to those two things?","start":641.37,"end":643.21,"sentiment":"neutral","sentiment_score":0.02916955439881845},{"text":"Obviously, I skipped over those a little bit because we've discussed, like, wills and estates previously.","start":643.21,"end":647.29,"sentiment":"neutral","sentiment_score":-0.01972622302128002},{"text":"But do you have any questions regarding wills and estates?","start":647.29,"end":649.55,"sentiment":"neutral","sentiment_score":-0.009934944659471511}],"sentiment":"neutral","sentiment_score":-0.002543349095897095,"channel":0,"num_words":37,"start":641.37,"end":649.55},{"sentences":[{"text":"Not really.","start":649.96,"end":650.44,"sentiment":"neutral","sentiment_score":-0.11296510696411133},{"text":"Is","start":650.44,"end":650.94,"sentiment":"neutral","sentiment_score":-0.06991004943847656}],"sentiment":"neutral","sentiment_score":-0.09861342112223308,"channel":1,"num_words":3,"start":649.96,"end":650.94},{"sentences":[{"text":"All all make","start":651.685,"end":652.485,"sentiment":"neutral","sentiment_score":-0.08564714094003041}],"sentiment":"neutral","sentiment_score":-0.08564714094003041,"channel":0,"num_words":3,"start":651.685,"end":652.485},{"sentences":[{"text":"it?","start":652.44,"end":652.94,"sentiment":"neutral","sentiment_score":-0.05495178699493408}],"sentiment":"neutral","sentiment_score":-0.05495178699493408,"channel":1,"num_words":1,"start":652.44,"end":652.94},{"sentences":[{"text":"sense?","start":652.485,"end":652.985,"sentiment":"neutral","sentiment_score":-0.04226580634713173}],"sentiment":"neutral","sentiment_score":-0.04226580634713173,"channel":0,"num_words":1,"start":652.485,"end":652.985},{"sentences":[{"text":"Yeah.","start":653.24,"end":653.56,"sentiment":"neutral","sentiment_score":0.021725386381149292},{"text":"For the moment.","start":653.56,"end":654.28,"sentiment":"neutral","sentiment_score":0.010466802244385084},{"text":"Yep.","start":654.28,"end":654.78,"sentiment":"neutral","sentiment_score":0.09834804385900496}],"sentiment":"neutral","sentiment_score":0.030294767394661904,"channel":1,"num_words":5,"start":653.24,"end":654.78},{"sentences":[{"text":"Yep.","start":655.125,"end":655.625,"sentiment":"neutral","sentiment_score":0.116176038980484},{"text":"Obviously, at any point, you can give us a call up if you were sort of thinking about going down.","start":655.76495,"end":659.365,"sentiment":"neutral","sentiment_score":-0.006362633407115936},{"text":"Does the solicitor have any questions regarding that?","start":659.365,"end":661.445,"sentiment":"neutral","sentiment_score":0.008578107226639986},{"text":"You can always give us a call and have a chat about that.","start":661.445,"end":663.52496,"sentiment":"neutral","sentiment_score":0.16768303513526917},{"text":"That's no problem at all.","start":663.52496,"end":664.62,"sentiment":"positive","sentiment_score":0.41002506017684937}],"sentiment":"neutral","sentiment_score":0.09122453162327726,"channel":0,"num_words":47,"start":655.125,"end":664.62},{"sentences":[{"text":"Yep.","start":665.075,"end":665.575,"sentiment":"neutral","sentiment_score":0.2967739701271057}],"sentiment":"neutral","sentiment_score":0.2967739701271057,"channel":1,"num_words":1,"start":665.075,"end":665.575},{"sentences":[{"text":"Obviously, in regards to the adviser fee, it is still the 1.65% of the superannuation balance is around the 1,900 or $1,961 and then 22% of the Clearview insurance premium, which is around $244.","start":666.46,"end":680.4,"sentiment":"neutral","sentiment_score":0.126834088607746},{"text":"Now that's based on percentage of the the balance and then percentage of your premium.","start":681.07495,"end":685.39496,"sentiment":"neutral","sentiment_score":0.1480154052376747},{"text":"You don't pay us an additional cost for the insurance that we do receive.","start":685.39496,"end":688.915,"sentiment":"neutral","sentiment_score":0.11953417797173772},{"text":"We just get it as a remuneration for holding a policy with that insurer out of the premium that you pay them.","start":688.915,"end":694.13495,"sentiment":"neutral","sentiment_score":0.14494008977304806},{"text":"We just have to disclose it based on the fact that we do receive it.","start":694.31,"end":697.37,"sentiment":"neutral","sentiment_score":0.09009486188491185}],"sentiment":"neutral","sentiment_score":0.1274617348611355,"channel":0,"num_words":100,"start":666.46,"end":697.37},{"sentences":[{"text":"Obviously, the superannuation fee for ongoing client, that comes directly out of your superannuation, if that all makes sense.","start":698.31,"end":704.73,"sentiment":"neutral","sentiment_score":0.07228006285272147}],"sentiment":"neutral","sentiment_score":0.07228006285272147,"channel":0,"num_words":19,"start":698.31,"end":704.73},{"sentences":[{"text":"Yep.","start":704.82996,"end":705.32996,"sentiment":"neutral","sentiment_score":0.060098253190517426}],"sentiment":"neutral","sentiment_score":0.060098253190517426,"channel":1,"num_words":1,"start":704.82996,"end":705.32996},{"sentences":[{"text":"Do you have any questions in regards to fee or how that's charged or anything there, Benjamin?","start":705.75,"end":709.13,"sentiment":"neutral","sentiment_score":0.032560345661990786}],"sentiment":"neutral","sentiment_score":0.032560345661990786,"channel":0,"num_words":17,"start":705.75,"end":709.13},{"sentences":[{"text":"No.","start":709.47,"end":709.97,"sentiment":"neutral","sentiment_score":0.16159309446811676}],"sentiment":"neutral","sentiment_score":0.16159309446811676,"channel":1,"num_words":1,"start":709.47,"end":709.97},{"sentences":[{"text":"Not a problem at all.","start":710.765,"end":711.985,"sentiment":"neutral","sentiment_score":0.2334873616695404},{"text":"Now in regards to the advice piece, if you were happy to implement everything, if you did sign the document, they would update the investments on your behalf and switch that for you once you did sign.","start":712.765,"end":721.62,"sentiment":"neutral","sentiment_score":0.220846922816457},{"text":"And then they would send you out the the beneficiary forms, and it'd be up to you to be able to fill those out and send those back, and then also in regards to speaking with a lawyer and setting up the will and a power of attorney.","start":722.1,"end":732.6,"sentiment":"neutral","sentiment_score":0.1573836125123004}],"sentiment":"neutral","sentiment_score":0.18770207059052255,"channel":0,"num_words":90,"start":710.765,"end":732.6},{"sentences":[{"text":"Yeah.","start":733.55,"end":733.87,"sentiment":"neutral","sentiment_score":0.03972962126135826},{"text":"Yeah.","start":733.87,"end":734.19,"sentiment":"neutral","sentiment_score":0.02704888954758644},{"text":"Yeah.","start":734.19,"end":734.35004,"sentiment":"neutral","sentiment_score":-0.0044365935027599335},{"text":"And there's no point filling out beneficiary things because I need to do a will.","start":734.35004,"end":738.11005,"sentiment":"neutral","sentiment_score":-0.18331764737764994},{"text":"There's no yeah.","start":738.11005,"end":740.365,"sentiment":"neutral","sentiment_score":-0.16609950363636017}],"sentiment":"neutral","sentiment_score":-0.15170101448893547,"channel":1,"num_words":21,"start":733.55,"end":740.365},{"sentences":[{"text":"I can't do beneficiaries without a will.","start":740.365,"end":742.465,"sentiment":"neutral","sentiment_score":-0.09921219572424889}],"sentiment":"neutral","sentiment_score":-0.09921219572424889,"channel":1,"num_words":7,"start":740.365,"end":742.465},{"sentences":[{"text":"Yeah.","start":743.395,"end":743.715,"sentiment":"neutral","sentiment_score":0.1294042468070984},{"text":"You","start":743.715,"end":743.875,"sentiment":"neutral","sentiment_score":0.06468171626329422}],"sentiment":"neutral","sentiment_score":0.0970429815351963,"channel":0,"num_words":2,"start":743.395,"end":743.875},{"sentences":[{"text":"So","start":743.84503,"end":744.34503,"sentiment":"neutral","sentiment_score":0.08638553321361542}],"sentiment":"neutral","sentiment_score":0.08638553321361542,"channel":1,"num_words":1,"start":743.84503,"end":744.34503},{"sentences":[{"text":"can still fill them out preemptively","start":743.875,"end":745.575,"sentiment":"neutral","sentiment_score":0.10856643194953601}],"sentiment":"neutral","sentiment_score":0.10856643194953601,"channel":0,"num_words":6,"start":743.875,"end":745.575},{"sentences":[{"text":"oh,","start":746.60504,"end":746.84503,"sentiment":"neutral","sentiment_score":0.1631155163049698}],"sentiment":"neutral","sentiment_score":0.1631155163049698,"channel":1,"num_words":1,"start":746.60504,"end":746.84503},{"sentences":[{"text":"and","start":746.64,"end":746.88,"sentiment":"neutral","sentiment_score":0.1276508271694183}],"sentiment":"neutral","sentiment_score":0.1276508271694183,"channel":0,"num_words":1,"start":746.64,"end":746.88},{"sentences":[{"text":"okay.","start":746.84503,"end":747.34503,"sentiment":"neutral","sentiment_score":0.147965669631958}],"sentiment":"neutral","sentiment_score":0.147965669631958,"channel":1,"num_words":1,"start":746.84503,"end":747.34503},{"sentences":[{"text":"then just have it yeah.","start":746.88,"end":748.24,"sentiment":"neutral","sentiment_score":0.11655573099851609},{"text":"And then, like, obviously, you","start":748.24,"end":749.68,"sentiment":"neutral","sentiment_score":0.02763596400618553}],"sentiment":"neutral","sentiment_score":0.0720958475023508,"channel":0,"num_words":10,"start":746.88,"end":749.68},{"sentences":[{"text":"Because","start":749.645,"end":749.885,"sentiment":"neutral","sentiment_score":-0.005423357710242271}],"sentiment":"neutral","sentiment_score":-0.005423357710242271,"channel":1,"num_words":1,"start":749.645,"end":749.885},{"sentences":[{"text":"know, as","start":749.68,"end":750.0,"sentiment":"neutral","sentiment_score":-0.04009474441409111}],"sentiment":"neutral","sentiment_score":-0.04009474441409111,"channel":0,"num_words":2,"start":749.68,"end":750.0},{"sentences":[{"text":"once","start":749.885,"end":750.04504,"sentiment":"neutral","sentiment_score":-0.029929479584097866}],"sentiment":"neutral","sentiment_score":-0.029929479584097866,"channel":1,"num_words":1,"start":749.885,"end":750.04504},{"sentences":[{"text":"long","start":750.0,"end":750.24,"sentiment":"neutral","sentiment_score":-0.05323058366775513}],"sentiment":"neutral","sentiment_score":-0.05323058366775513,"channel":0,"num_words":1,"start":750.0,"end":750.24},{"sentences":[{"text":"I do","start":750.04504,"end":750.445,"sentiment":"neutral","sentiment_score":-0.04808819852769375}],"sentiment":"neutral","sentiment_score":-0.04808819852769375,"channel":1,"num_words":2,"start":750.04504,"end":750.445},{"sentences":[{"text":"as nothing","start":750.24,"end":750.56,"sentiment":"neutral","sentiment_score":-0.01376018300652504}],"sentiment":"neutral","sentiment_score":-0.01376018300652504,"channel":0,"num_words":2,"start":750.24,"end":750.56},{"sentences":[{"text":"the will,","start":750.445,"end":750.765,"sentiment":"neutral","sentiment_score":-0.06024373322725296}],"sentiment":"neutral","sentiment_score":-0.06024373322725296,"channel":1,"num_words":2,"start":750.445,"end":750.765},{"sentences":[{"text":"happens","start":750.56,"end":750.88,"sentiment":"neutral","sentiment_score":-0.05805143341422081}],"sentiment":"neutral","sentiment_score":-0.05805143341422081,"channel":0,"num_words":1,"start":750.56,"end":750.88},{"sentences":[{"text":"I need","start":750.765,"end":751.085,"sentiment":"neutral","sentiment_score":-0.05540296994149685}],"sentiment":"neutral","sentiment_score":-0.05540296994149685,"channel":1,"num_words":2,"start":750.765,"end":751.085},{"sentences":[{"text":"between","start":750.88,"end":751.38,"sentiment":"neutral","sentiment_score":-0.07982584834098816}],"sentiment":"neutral","sentiment_score":-0.07982584834098816,"channel":0,"num_words":1,"start":750.88,"end":751.38},{"sentences":[{"text":"to have that to go with it to send","start":751.085,"end":753.33,"sentiment":"neutral","sentiment_score":-0.041925287081135645}],"sentiment":"neutral","sentiment_score":-0.041925287081135645,"channel":1,"num_words":9,"start":751.085,"end":753.33},{"sentences":[{"text":"no.","start":754.32,"end":754.56,"sentiment":"neutral","sentiment_score":-0.019221369177103043},{"text":"You can just fill out the beneficiaries as, like, legal person representative is the recommendation.","start":754.56,"end":758.66003,"sentiment":"neutral","sentiment_score":0.127015383541584},{"text":"And then once you set up your will, it's not until anything happens that it actually means anything.","start":758.8,"end":763.425,"sentiment":"neutral","sentiment_score":0.05283462432109647}],"sentiment":"neutral","sentiment_score":0.08344213593312923,"channel":0,"num_words":34,"start":754.32,"end":763.425},{"sentences":[{"text":"to you.","start":763.22,"end":763.79,"sentiment":"neutral","sentiment_score":0.04753026179969311}],"sentiment":"neutral","sentiment_score":0.04753026179969311,"channel":1,"num_words":2,"start":763.22,"end":763.79},{"sentences":[{"text":"It's","start":763.64496,"end":763.805,"sentiment":"neutral","sentiment_score":0.07346229255199432}],"sentiment":"neutral","sentiment_score":0.07346229255199432,"channel":0,"num_words":1,"start":763.64496,"end":763.805},{"sentences":[{"text":"Okay.","start":763.79,"end":764.29,"sentiment":"neutral","sentiment_score":0.10284915566444396}],"sentiment":"neutral","sentiment_score":0.10284915566444396,"channel":1,"num_words":1,"start":763.79,"end":764.29},{"sentences":[{"text":"just on file.","start":763.805,"end":765.40497,"sentiment":"neutral","sentiment_score":0.0958109200000763}],"sentiment":"neutral","sentiment_score":0.0958109200000763,"channel":0,"num_words":3,"start":763.805,"end":765.40497},{"sentences":[{"text":"Sure.","start":765.215,"end":765.715,"sentiment":"neutral","sentiment_score":0.2515925467014313}],"sentiment":"neutral","sentiment_score":0.2515925467014313,"channel":1,"num_words":1,"start":765.215,"end":765.715},{"sentences":[{"text":"You can obviously, as long as nothing happens for now and you setting up your will, that's more than fine.","start":765.40497,"end":770.20496,"sentiment":"neutral","sentiment_score":0.2161934021860361},{"text":"And even if it did, the likelihood even if you had, like, your mother, sister, or anything as a nomination, the likelihood they would find it as a as a nomination, the likelihood they would find it as a non valid nomination, and it would likely end up at your estate anyway unless","start":770.20496,"end":781.86,"sentiment":"neutral","sentiment_score":-0.31342232325729336}],"sentiment":"neutral","sentiment_score":-0.16832212450569622,"channel":0,"num_words":73,"start":765.40497,"end":781.86},{"sentences":[{"text":"Yep.","start":781.63,"end":782.13,"sentiment":"neutral","sentiment_score":-0.16719506680965424}],"sentiment":"neutral","sentiment_score":-0.16719506680965424,"channel":1,"num_words":1,"start":781.63,"end":782.13},{"sentences":[{"text":"they, yeah, sorta saw any sort of independent relationship, which is generally quite rare if you rare if you're not sort of supporting them financially or anything like that","start":782.07996,"end":789.345,"sentiment":"neutral","sentiment_score":-0.23946209611563846}],"sentiment":"neutral","sentiment_score":-0.23946209611563846,"channel":0,"num_words":29,"start":782.07996,"end":789.345},{"sentences":[{"text":"Yep.","start":789.63,"end":790.13,"sentiment":"neutral","sentiment_score":-0.18916021287441256}],"sentiment":"neutral","sentiment_score":-0.18916021287441256,"channel":1,"num_words":1,"start":789.63,"end":790.13},{"sentences":[{"text":"and giving you're not living with them.","start":789.90497,"end":791.52496,"sentiment":"neutral","sentiment_score":-0.2078732273408345}],"sentiment":"neutral","sentiment_score":-0.2078732273408345,"channel":0,"num_words":7,"start":789.90497,"end":791.52496},{"sentences":[{"text":"Yep.","start":792.195,"end":792.695,"sentiment":"neutral","sentiment_score":0.05220469832420349}],"sentiment":"neutral","sentiment_score":0.05220469832420349,"channel":1,"num_words":1,"start":792.195,"end":792.695},{"sentences":[{"text":"But in saying that, you can still fill out the forms or at least you can have a copy to fill out once you get it all sorted, which is which is fine.","start":792.70496,"end":798.88495,"sentiment":"neutral","sentiment_score":0.11675159429961984},{"text":"But that's a very sort of brief overview of the estate planning side of things.","start":799.82495,"end":804.07996,"sentiment":"neutral","sentiment_score":0.1514484534660975},{"text":"But in regards to superannuation investments, anything that I've discussed there today, is there anything you want a bit more clarification on or anything that didn't make sense","start":804.07996,"end":811.38,"sentiment":"neutral","sentiment_score":-0.027732515973704203}],"sentiment":"neutral","sentiment_score":0.0703686706133579,"channel":0,"num_words":76,"start":792.70496,"end":811.38},{"sentences":[{"text":"No.","start":811.63,"end":811.79,"sentiment":"neutral","sentiment_score":-0.11115353554487228},{"text":"I'm good.","start":811.79,"end":812.45,"sentiment":"neutral","sentiment_score":0.12329857610166073}],"sentiment":"neutral","sentiment_score":0.045147872219483055,"channel":1,"num_words":3,"start":811.63,"end":812.45},{"sentences":[{"text":"All makes sense?","start":813.935,"end":814.815,"sentiment":"neutral","sentiment_score":0.31531450152397156},{"text":"You're you're comfortable with the change from, like, a more active to a more passive approach in regards to your investments and how that will play out for the next few years?","start":814.815,"end":823.955,"sentiment":"positive","sentiment_score":0.3435183661058545},{"text":"Perfect.","start":824.175,"end":824.675,"sentiment":"positive","sentiment_score":0.6308649182319641}],"sentiment":"positive","sentiment_score":0.349149892727534,"channel":0,"num_words":36,"start":813.935,"end":824.675},{"sentences":[{"text":"Yeah.","start":824.425,"end":824.925,"sentiment":"positive","sentiment_score":0.39055851101875305}],"sentiment":"positive","sentiment_score":0.39055851101875305,"channel":1,"num_words":1,"start":824.425,"end":824.925},{"sentences":[{"text":"If you did have any questions, obviously, feel free to give us a call up, have a look through if you wanted, or if you did sign it, that'd get the investment switch done sort of probably next week sometime.","start":825.215,"end":835.92004,"sentiment":"neutral","sentiment_score":0.3070827691582963},{"text":"And then that would all be enforced, and then it's up to the state planning side of you to do in your your own time, but they'll send you the forms at least.","start":836.3,"end":842.655,"sentiment":"neutral","sentiment_score":0.04495695413965167}],"sentiment":"neutral","sentiment_score":0.18858753771151174,"channel":0,"num_words":73,"start":825.215,"end":842.655},{"sentences":[{"text":"Yes.","start":842.99,"end":843.49,"sentiment":"neutral","sentiment_score":0.13643847405910492}],"sentiment":"neutral","sentiment_score":0.13643847405910492,"channel":1,"num_words":1,"start":842.99,"end":843.49},{"sentences":[{"text":"And then if you have any questions regarding that, you can always give us a call.","start":844.41504,"end":847.05505,"sentiment":"neutral","sentiment_score":0.14035396836698055},{"text":"But anything else you wanna have a chat about while you've got me there at all then?","start":847.05505,"end":850.03503,"sentiment":"neutral","sentiment_score":0.08984057342304903}],"sentiment":"neutral","sentiment_score":0.11433191642616734,"channel":0,"num_words":33,"start":844.41504,"end":850.03503},{"sentences":[{"text":"Nothing's all good.","start":850.355,"end":851.65497,"sentiment":"positive","sentiment_score":0.3670957883199056}],"sentiment":"positive","sentiment_score":0.3670957883199056,"channel":1,"num_words":3,"start":850.355,"end":851.65497},{"sentences":[{"text":"Not a problem at all.","start":852.335,"end":853.375,"sentiment":"positive","sentiment_score":0.467396205663681},{"text":"Any questions you do have or do come up, feel free to give us a a ring, but otherwise, I'll let you get back to your afternoon.","start":853.375,"end":858.43506,"sentiment":"neutral","sentiment_score":0.20782371500024088}],"sentiment":"neutral","sentiment_score":0.2483819166664034,"channel":0,"num_words":32,"start":852.335,"end":858.43506},{"sentences":[{"text":"Lovely.","start":858.98694,"end":859.2269,"sentiment":"positive","sentiment_score":0.8471645712852478},{"text":"Thank you.","start":859.2269,"end":860.04694,"sentiment":"positive","sentiment_score":0.835533618927002}],"sentiment":"positive","sentiment_score":0.8394106030464172,"channel":1,"num_words":3,"start":858.98694,"end":860.04694},{"sentences":[{"text":"Cheers, Benjamin.","start":860.6069,"end":861.1669,"sentiment":"positive","sentiment_score":0.7755698263645172},{"text":"You enjoy the rest of your hour.","start":861.1669,"end":862.2069,"sentiment":"positive","sentiment_score":0.8044696961130414},{"text":"I'll talk soon.","start":862.2069,"end":862.8469,"sentiment":"positive","sentiment_score":0.4919409354527791}],"sentiment":"positive","sentiment_score":0.7215208609898885,"channel":0,"num_words":12,"start":860.6069,"end":862.8469},{"sentences":[{"text":"Cheers.","start":862.7469,"end":863.2469,"sentiment":"positive","sentiment_score":0.5279877781867981}],"sentiment":"positive","sentiment_score":0.5279877781867981,"channel":1,"num_words":1,"start":862.7469,"end":863.2469},{"sentences":[{"text":"Bye.","start":862.8469,"end":863.3469,"sentiment":"neutral","sentiment_score":0.3058900535106659}],"sentiment":"neutral","sentiment_score":0.3058900535106659,"channel":0,"num_words":1,"start":862.8469,"end":863.3469},{"sentences":[{"text":"Bye.","start":863.7069,"end":864.2069,"sentiment":"neutral","sentiment_score":-0.11804185807704926}],"sentiment":"neutral","sentiment_score":-0.11804185807704926,"channel":1,"num_words":1,"start":863.7069,"end":864.2069}]},"summary":{"result":"success","short":"The speaker discusses the potential risks of a bad connection and dropping out of a portfolio, recommending reducing exposure to growth assets and a lower cost investment option. The new portfolio is still competitive in the market and the speaker emphasizes the benefits of the investment strategy, including reducing risk and being a client at OFinancial Financial. The company is changing its portfolio by removing active management risks and adjusting its investment strategy to increase exposure to growth assets and reduce risk. The speaker provides information on the company's investment portfolio, including the S and P 500, main call bit, and discusses the benefits of a will and the tax implications of a spouse's tax dependent relationship. The goal is to put the customer in a position over the next five to ten years and set up a will and establish a binding nomination to the customer's legal personal representative. The speaker provides an overview of the estate planning process and offers assistance if needed."},"intents":{"segments":[{"text":"Now the recommended portfolio although your portfolio has done quite well, minus the Benelon, we're looking at recommending you a more lower cost investment option moving forward that's a bit more passive, reduced fees that's, gonna increase the amount of money you have going towards your investments and returns over the long term and that compounding effect will result in a a CGT liability of around the $420.","start_word":303,"end_word":370,"intents":[{"intent":"Recommend investment option","confidence_score":0.039308466}]},{"text":"Now within regards to that, it will help increase your diversification there with the areas that we're looking at recommending in the portfolio.","start_word":415,"end_word":437,"intents":[{"intent":"Increase diversification","confidence_score":0.11605325}]},{"text":"You're just looking to track what the market's doing.","start_word":484,"end_word":492,"intents":[{"intent":"Track market","confidence_score":0.34954187},{"intent":"Track market","confidence_score":0.017526856}]},{"text":"And then with that, removes the level of management risk there as well in your portfolio.","start_word":493,"end_word":508,"intents":[{"intent":"Remove management risk","confidence_score":0.17043063}]},{"text":"That's the one thing that's, you know, poor about investments in the market is that you're not guaranteed to get the returns of those funds.","start_word":833,"end_word":857,"intents":[{"intent":"Educate about investment options","confidence_score":0.008252752}]},{"text":"And then with the alternatives, we did look at sort of alternative funds, maintaining active investment, but due to the the high cost of active management and then the lower historical investment returns at the moment and then high capital gains implications, we discontinued that. And then also looking at changing funds potentially to achieve a platform, it just worked out with the capital gains liability you have there. It's just better off staying with hub with the benefits you do get there, if that makes sense.","start_word":1053,"end_word":1139,"intents":[{"intent":"Determine funds","confidence_score":0.00001257369},{"intent":"Determine strategy","confidence_score":0.0020345615}]},{"text":"It's just better off staying with hub with the benefits you do get there, if that makes sense. Yep.","start_word":1121,"end_word":1139,"intents":[{"intent":"Evaluate platform benefits","confidence_score":0.00053970184}]},{"text":"On page 16 there, you will be able to see the changes in those investments, what you'll be selling out of and what you'll be buying into.","start_word":1142,"end_word":1168,"intents":[{"intent":"Mention investments","confidence_score":0.0031009591}]},{"text":"On page 16 there, you will be able to see the changes in those investments, what you'll be selling out of and what you'll be buying into. Now with that, the core of your portfolio will be the S and P 500, the top 500 companies in America. And then you'll also have in that the main call bit will be the BetaShares Australian 200, which is the top 200 companies in Australia. And then Yep.","start_word":1142,"end_word":1217,"intents":[{"intent":"Provide information","confidence_score":0.021088151}]},{"text":"Do you have any questions in regards to that investment switch or the changes in your investment? Not really.","start_word":1341,"end_word":1359,"intents":[{"intent":"Inquire about investment switch","confidence_score":0.010282488}]},{"text":"Now on page 19 there, you'll be able to see an illustration of that of the cost savings in regards to your investment, the capital gains bill that you would be paying there, and then the within regards to that one, on average, it will be around $250 you'll save in terms of, like, cost savings year on year.","start_word":1366,"end_word":1424,"intents":[{"intent":"Determine cost savings","confidence_score":0.045689598}]},{"text":"You can preemptively fill out those forms to legal person represent representative to go to your state. It just means that you need a will in place to be able to distribute those funds per your wishes, if that makes sense. Yeah.","start_word":1823,"end_word":1864,"intents":[{"intent":"Formulating forms","confidence_score":0.0045920005},{"intent":"Providing information","confidence_score":0.11325427}]},{"text":"So given that it's going to your estate there, the benefit of that is you don't get the the Medicare levy, but you still do get a a little bit of tax there when going there as opposed to having a dependent. But given even if you had an independent relationship, that adult is likely to be taxed even if they saw that as an interdependent relationship, if that makes sense. Yep.","start_word":1932,"end_word":2003,"intents":[{"intent":"Informing about tax implications","confidence_score":0.015379308}]},{"text":"I think, obviously, the benefit of setting up a will is, like, your assets that you do hold get distributed per your wishes in addition to your superannuation balances should anything happen.","start_word":2047,"end_word":2078,"intents":[{"intent":"Asserting need for a will","confidence_score":4.7116538e-7}]},{"text":"Now a power of attorney there the benefit of power of attorney, if anything did happen to where you were incapacitated, there is someone that there that might be able to make financial or medical health decisions for you.","start_word":2079,"end_word":2117,"intents":[{"intent":"Explaining power of attorney benefits","confidence_score":0.026031937},{"intent":"Proposing future use of a power of attorney","confidence_score":0.00017410539}]},{"text":"You can always give us a call and have a chat about that.","start_word":2296,"end_word":2308,"intents":[{"intent":"Request call","confidence_score":0.013667365}]},{"text":"Obviously, in regards to the adviser fee, it is still the 1.65% of the superannuation balance is around the 1,900 or $1,961 and then 22% of the Clearview insurance premium, which is around $244.","start_word":2315,"end_word":2348,"intents":[{"intent":"Provide fee","confidence_score":0.00801287}]},{"text":"Now in regards to the advice piece, if you were happy to implement everything, if you did sign the document, they would update the investments on your behalf and switch that for you once you did sign. And then they would send you out the the beneficiary forms, and it'd be up to you to be able to fill those out and send those back, and then also in regards to speaking with a lawyer and setting up the will and a power of attorney.","start_word":2458,"end_word":2542,"intents":[{"intent":"Set up will and power of attorney","confidence_score":0.13169535}]},{"text":"Now in regards to the advice piece, if you were happy to implement everything, if you did sign the document, they would update the investments on your behalf and switch that for you once you did sign. And then they would send you out the the beneficiary forms, and it'd be up to you to be able to fill those out and send those back, and then also in regards to speaking with a lawyer and setting up the will and a power of attorney. Yeah.","start_word":2458,"end_word":2543,"intents":[{"intent":"Update investments","confidence_score":0.31357035}]},{"text":"But that's a very sort of brief overview of the estate planning side of things.","start_word":2804,"end_word":2818,"intents":[{"intent":"Provide estate planning overview","confidence_score":0.00028864652}]}]},"sentiments":{"segments":[{"text":"Good day, mate.","start_word":0,"end_word":2,"sentiment":"positive","sentiment_score":0.4455103576183319},{"text":"Not sure what's going on. Yeah.","start_word":3,"end_word":8,"sentiment":"neutral","sentiment_score":-0.18262889981269836},{"text":"I'm not too sure if it's a bad connection or not, but I'm not too sure why it keeps dropping out there.","start_word":9,"end_word":30,"sentiment":"negative","sentiment_score":-0.3847285211086273},{"text":"Not sure, mate. Let's see what you're about to. Yeah. I'll try and make it a little bit quicker so in case you have a bad connection, it keeps dropping out there. But again, unfortunately, if I could just pass Yeah. you Yeah. through security Benjamin Carter, the 1990. yep. 89 Meroe Road, Landau. Sorry. Thanks. And and then, yeah, these calls are recorded there. As I was saying there, so the high growth portfolio is about that ninety ten split. So it would be increasing your exposure slightly to those growth assets aiming for that longer term. Growth, obviously, in the short term with the war and everything, it's likely to have a bit more volatility, and we'll see those higher fluctuations of ups and downs. But over the long term, having that higher allocation of growth assets does mean that you have the chance and exposure Yep.","start_word":31,"end_word":179,"sentiment":"neutral","sentiment_score":0.026906780898571014},{"text":"to get more capital growth over that longer period of time.","start_word":180,"end_word":190,"sentiment":"positive","sentiment_score":0.35334086418151855},{"text":"Yep. Now in regards to best interest, Judy, obviously, maintaining hub twenty four, it means you don't have to pay as large capital gains because we'll be looking at keeping a core of your portfolio the same. Yep.","start_word":191,"end_word":228,"sentiment":"neutral","sentiment_score":0.3122865855693817},{"text":"Within regards to that portfolio that or platform that you're familiar with, it's still competitive in the market. It's like, with its reporting capabilities and ease of advice implementation for more advanced strategies, adviser led. It is still a competitive market and product in the market. And Yes. then with that, we're aiming to just put you in a better position over that next five to ten year period as I was saying.","start_word":229,"end_word":301,"sentiment":"positive","sentiment_score":0.49086037278175354},{"text":"Now the recommended portfolio although your portfolio has done quite well, minus the Benelon, we're looking at recommending you a more lower cost investment option moving forward that's a bit more passive, reduced fees that's, gonna increase the amount of money you have going towards your investments and returns over the long term and that compounding effect will result in a a CGT liability of around the $420. But with that, the investment saving each year will be around $377 per annum.","start_word":302,"end_word":383,"sentiment":"neutral","sentiment_score":0.2790278196334839},{"text":"So with that, in a couple of years, you would have recouped the cost of the CDT and the switch just on those fee savings alone with the investment switch. Yes. Now within regards to that, it will help increase your diversification there with the areas that we're looking at recommending in the portfolio.","start_word":384,"end_word":437,"sentiment":"positive","sentiment_score":0.3935284912586212},{"text":"It'll reduce the volatility in the portfolio even though you're increasing your exposure to growth assets because we are looking at removing those actively managed funds and just having that index approach, which means you're just tracking the indexes. You're not aiming to outperform that market. You're just looking to track what the market's doing. And then with that, removes the level of management risk there as well in your portfolio. So although you're increasing your risk in terms of having more growth assets, you won't have that active management risk like what occurred with Bennelong. You're just tracking what the market's doing. If the market's doing well, you do quite well.","start_word":438,"end_word":549,"sentiment":"neutral","sentiment_score":0.05426545441150665},{"text":"If the market take a bit of a dip, although your super might take a little bit of a dip as well, it just means that unless you're with a fund manager that actually picked the winners in that scenario, then likelihood would be that your super would take that dip as well like what happened with METALON except that was outside that, and it almost did worse than the indexes over that period of time, if that makes sense.","start_word":550,"end_word":629,"sentiment":"negative","sentiment_score":-0.3509570062160492},{"text":"No. Really. That's okay. Okay. So the the main thing there is, obviously, you're just you're changing up your investments. You're removing those active management risks, which means you don't have anyone that is managing the fund and picking and choosing the investments. It just means that, say, like, the S and P 500, top 500 companies in America, you hold those top 500. And if a company gets big enough and goes into that comp top 500, you'll own it. And if it gets Okay.","start_word":630,"end_word":715,"sentiment":"neutral","sentiment_score":-0.002282528206706047},{"text":"worse and falls out, then it'll drop out.","start_word":716,"end_word":723,"sentiment":"negative","sentiment_score":-0.37310728430747986},{"text":"You're not having a manager picking and choosing winners, whereas, like, Benelon was picking and choosing, and they picked the wrong wrong investment. And then with that announcement, caused their fund to take a bit of a dive, whereas that doesn't typically occur to the extent that it happened with Benelon in an index fund, if that makes sense. Yes.","start_word":724,"end_word":783,"sentiment":"neutral","sentiment_score":-0.22912484407424927},{"text":"Perfect. So the advantages of that is it's a lower investment fee. It's along with the agreed risk profile increasing that risk. You'd be able to remain a client at Ophi Financial, and you'll eliminate that manager risk.","start_word":784,"end_word":821,"sentiment":"positive","sentiment_score":0.4908835589885712},{"text":"Disadvantages is there's no guarantee that investments obviously perform as recommended. That's the one thing that's, you know, poor about investments in the market is that you're not guaranteed to get the returns of those funds. It's the one thing that isn't guaranteed because past performance is an indicative of future performance, but hopefully being those index funds, it sets you up a nice long term sustained growth. And then with that, you will pay some brokerage costs and that CGT liability, but hopefully over the long term paying less investment costs, it just puts you in a better position and it has a little less volatility while increasing your exposure to those growth assets. Yes. Yep. Perfect. Now the short term risk there is when changing up those investments with the markets are currently with the war, you may miss out on some potential gains if the market was to take a bit of a die or jump while you're sort of in in cash, if it takes a bit of a dive in that period, you get it for a little bit less. That's just something to be mindful of. But given your age, you do have plenty of time to recover even if it Yes. is a few percent bump while you're sitting in cash there to buy back in. That's just something to be aware of. And then with the alternatives, we did look at sort of alternative funds, maintaining active investment, but due to the the high cost of active management and then the lower historical investment returns at the moment and then high capital gains implications, we discontinued that. And then also looking at changing funds potentially to achieve a platform, it just worked out with the capital gains liability you have there. It's just better off staying with hub with the benefits you do get there, if that makes sense. Yep. Yep.","start_word":822,"end_word":1140,"sentiment":"neutral","sentiment_score":-0.023105936049013676},{"text":"Perfect.","start_word":1141,"end_word":1141,"sentiment":"positive","sentiment_score":0.5768792629241943},{"text":"On page 16 there, you will be able to see the changes in those investments, what you'll be selling out of and what you'll be buying into. Now with that, the core of your portfolio will be the S and P 500, the top 500 companies in America. And then you'll also have in that the main call bit will be the BetaShares Australian 200, which is the top 200 companies in Australia. And then Yep. around that, you'll also have, in addition to that, some bonds for defensive asset, a Vanguard All World excluding US to get some exposure outside The US, and then you'll have Japan and Europe in that portfolio there as well. And then some physical gold and then beta share cybersecurity would be the the other investments in your portfolio. Yep.","start_word":1142,"end_word":1277,"sentiment":"neutral","sentiment_score":0.2267281413078308},{"text":"You'll be able to see those buy sells on page sixteen and seventeen there if you do wanna have a look at those.","start_word":1278,"end_word":1300,"sentiment":"positive","sentiment_score":0.3481484651565552},{"text":"And then the main thing there on page 18, you'll be able to see that you'll move from about 86% in growth assets, about 13% defensive to around 95% growth assets, around 5% defensive, if that makes sense. Yep.","start_word":1301,"end_word":1339,"sentiment":"neutral","sentiment_score":0.2340833991765976},{"text":"Perfect.","start_word":1340,"end_word":1340,"sentiment":"positive","sentiment_score":0.48302966356277466},{"text":"Do you have any questions in regards to that investment switch or the changes in your investment? Not really. Yeah. Not a problem at all. Now on page 19 there, you'll be able to see an illustration of that of the cost savings in regards to your investment, the capital gains bill that you would be paying there, and then the within regards to that one, on average, it will be around $250 you'll save in terms of, like, cost savings year on year. With the investment cost, obviously, your superannuation as that grows, that figure changes. And then the recommended investment has historically performed better over a three year period. But in saying that past performance isn't indicative of those future performance, the markets aren't gonna replicate year on year. I don't know what Trump's doing today, let alone tomorrow or what he's gonna tweet, and that has a direct correlation of sort of what the markets are doing.","start_word":1341,"end_word":1500,"sentiment":"neutral","sentiment_score":0.10567343276925384},{"text":"But in saying that over a long term period of time, having those index investments over that sort of twenty year period, maintaining invested, doing your contributions, it's historically showing that they do perform generally better than actively managed funds.","start_word":1501,"end_word":1540,"sentiment":"positive","sentiment_score":0.3351404070854187},{"text":"And Yep. then with that, carry a little bit less volatility as long as the market's doing well. And if the market's doing poorly, it means that everyone's probably in the same boat much like now at the moment with the war or like a COVID event per se. Yes.","start_word":1541,"end_word":1590,"sentiment":"neutral","sentiment_score":-0.0014239795273169875},{"text":"So the goal is that obviously put you in a bit of a position over that next five to ten years.","start_word":1591,"end_word":1611,"sentiment":"positive","sentiment_score":0.3613225519657135},{"text":"There is an illustration of that shows that what that might look like based on those past figures. But as I said, that's to be taken with a grain of salt. That's not like a a guaranteed return in five to ten years' time. It just shows you if the markets perform the exact same for the next three years as they did the past three years, that's what it might look like year on year. Do you have any questions in regards to the superannuation side of things or that investment change? Not really. Happy. In regards to the beneficiary nominations, we are recommending that set up a will and then establish a binding nomination to your legal personal representative, which will go to your estate. That's just given the fact that you do wanna nominate, like, sisters, mothers, you know, father, things like that. It Yep. just means that the nomination would be valid. Now the options for a will, there there are post office wills out there that aren't the most ironclad things, but they're generally cheaper, or you can go to a solicitor that will help you prepare a will, and then you can set up your nominations just to go to your legal person representative. You can preemptively fill out those forms to legal person represent representative to go to your state. It just means that you need a will in place to be able to distribute those funds per your wishes, if that makes sense.","start_word":1612,"end_word":1862,"sentiment":"neutral","sentiment_score":0.12936766510940642},{"text":"Yeah. Now that could change in the future if you had a spouse in a year's time and you do wanna nominate them. That's more than fine. You just fill out the form and change it to your spouse. That's no problem at all.","start_word":1863,"end_word":1906,"sentiment":"positive","sentiment_score":0.468034565448761},{"text":"Obviously, going to your estate, there is a little bit of a different tack as to where it goes to individuals that may be taxed. So given that it's going to your estate there, the benefit of that is you don't get the the Medicare levy, but you still do get a a little bit of tax there when going there as opposed to having a dependent. But given even if you had an independent relationship, that adult is likely to be taxed even if they saw that as an interdependent relationship, if that makes sense. Yep. Yep. And then if it's a nondepen tax dependent such as, like, an adult that is independent relationship, it would still be, like, 15% super tax and then 2% Medicare levy for that individual as opposed to going to your estate there. Yes. I think, obviously, the benefit of setting up a will is, like, your assets that you do hold get distributed per your wishes in addition to your superannuation balances should anything happen. Now a power of attorney there the benefit of power of attorney, if anything did happen to where you were incapacitated, there is someone that there that might be able to make financial or medical health decisions for you. If you do set up, like, an advanced health care directive, things like that, it takes a lot of the decisions out of, like, your family's hands should something go wrong if you put it on a piece of paper form in addition to the fact that it's able to sort of pay bills on your behalf and not sort of have to go through the courts to to get that if you do have that in conjunction with the will. If anything sort of was to happen where you're unable to make some financial decisions for yourself. Yep. Do you have any questions in regards to those two things? Obviously, I skipped over those a little bit because we've discussed, like, wills and estates previously. But do you have any questions regarding wills and estates? Not really. Is All all make it? sense? Yeah. For the moment. Yep. Yep. Obviously, at any point, you can give us a call up if you were sort of thinking about going down. Does the solicitor have any questions regarding that? You can always give us a call and have a chat about that.","start_word":1907,"end_word":2308,"sentiment":"neutral","sentiment_score":0.09464532427434157},{"text":"That's no problem at all.","start_word":2309,"end_word":2313,"sentiment":"positive","sentiment_score":0.4059436619281769},{"text":"Yep. Obviously, in regards to the adviser fee, it is still the 1.65% of the superannuation balance is around the 1,900 or $1,961 and then 22% of the Clearview insurance premium, which is around $244. Now that's based on percentage of the the balance and then percentage of your premium. You don't pay us an additional cost for the insurance that we do receive. We just get it as a remuneration for holding a policy with that insurer out of the premium that you pay them. We just have to disclose it based on the fact that we do receive it. Obviously, the superannuation fee for ongoing client, that comes directly out of your superannuation, if that all makes sense. Yep. Do you have any questions in regards to fee or how that's charged or anything there, Benjamin? No. Not a problem at all. Now in regards to the advice piece, if you were happy to implement everything, if you did sign the document, they would update the investments on your behalf and switch that for you once you did sign. And then they would send you out the the beneficiary forms, and it'd be up to you to be able to fill those out and send those back, and then also in regards to speaking with a lawyer and setting up the will and a power of attorney. Yeah. Yeah. Yeah. And there's no point filling out beneficiary things because I need to do a will. There's no yeah. I can't do beneficiaries without a will. Yeah. You So can still fill them out preemptively oh, and okay. then just have it yeah. And then, like, obviously, you Because know, as once long I do as nothing the will, happens I need between to have that to go with it to send no. You can just fill out the beneficiaries as, like, legal person representative is the recommendation. And then once you set up your will, it's not until anything happens that it actually means anything. to you. It's Okay. just on file. Sure. You can obviously, as long as nothing happens for now and you setting up your will, that's more than fine. And even if it did, the likelihood even if you had, like, your mother, sister, or anything as a nomination, the likelihood they would find it as a as a nomination, the likelihood they would find it as a non valid nomination, and it would likely end up at your estate anyway unless Yep. they, yeah, sorta saw any sort of independent relationship, which is generally quite rare if you rare if you're not sort of supporting them financially or anything like that Yep. and giving you're not living with them. Yep. But in saying that, you can still fill out the forms or at least you can have a copy to fill out once you get it all sorted, which is which is fine. But that's a very sort of brief overview of the estate planning side of things. But in regards to superannuation investments, anything that I've discussed there today, is there anything you want a bit more clarification on or anything that didn't make sense No. I'm good. All makes sense?","start_word":2314,"end_word":2852,"sentiment":"neutral","sentiment_score":0.034341133439806264},{"text":"You're you're comfortable with the change from, like, a more active to a more passive approach in regards to your investments and how that will play out for the next few years? Perfect. Yeah.","start_word":2853,"end_word":2886,"sentiment":"positive","sentiment_score":0.352738618850708},{"text":"If you did have any questions, obviously, feel free to give us a call up, have a look through if you wanted, or if you did sign it, that'd get the investment switch done sort of probably next week sometime. And then that would all be enforced, and then it's up to the state planning side of you to do in your your own time, but they'll send you the forms at least. Yes. And then if you have any questions regarding that, you can always give us a call. But anything else you wanna have a chat about while you've got me there at all then?","start_word":2887,"end_word":2993,"sentiment":"neutral","sentiment_score":0.16863323462622187},{"text":"Nothing's all good. Not a problem at all.","start_word":2994,"end_word":3001,"sentiment":"positive","sentiment_score":0.40938079357147217},{"text":"Any questions you do have or do come up, feel free to give us a a ring, but otherwise, I'll let you get back to your afternoon.","start_word":3002,"end_word":3028,"sentiment":"neutral","sentiment_score":0.2044992595911026},{"text":"Lovely. Thank you. Cheers, Benjamin. You enjoy the rest of your hour. I'll talk soon. Cheers.","start_word":3029,"end_word":3044,"sentiment":"positive","sentiment_score":0.7016672492027283},{"text":"Bye. Bye.","start_word":3045,"end_word":3046,"sentiment":"neutral","sentiment_score":0.2676486074924469}],"average":{"sentiment":"neutral","sentiment_score":0.1027450334683164}}}}