{"metadata":{"transaction_key":"deprecated","request_id":"019fa15f-9b4c-7be1-a85c-e0292bc1c39a","sha256":"abe746112993b8c6dee9288825d24692f835c6ff52bd3f80c4d557f349d44359","created":"2026-07-27T02:20:27.786Z","duration":1005.6959,"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":3688,"output_tokens":161},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4185,"output_tokens":4194},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4185,"output_tokens":280}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Dominic. Tommy here from. How are you doing? I'm living the dream so far. The sun's out. It's not too cool. How about your end? Getting by, mate. Getting by. Yeah. Pretty good. Pretty good. It's Monday's always great. Nice and early on top of things. I had a few things that I wanted to run through with you today. I've got a bit of an updated strategy to send through. Quite a beautiful few things that we're doing, but couple of checks I wanted to do before I send it through to you, if that's alright. Perfect. So I'm just gonna do a quick security check with you. I'll run through what I'm thinking, and then just let me know if there's anything else I need to cover. So can you just confirm date of birth and address for security for me, please? Sensational. And I'm a registered with adviser one two seven three one zero five. Mate, first part I wanted to start with was just going through contributions. We ran a report for all clients, and we've got some contributions you've been making into the old server. And I just wanna check with you if you needed any assistance in the paperwork to claim it for the tax return. Yes. No. So you've been putting in, I think, a thousand dollars a month into the super. So what happens is it goes in as a personal contribution. And for the tax return, we've got to do a notice of intent to claim form and basically saying, hey. You put in 4,500 so far that financial year. We would like to claim it on the tax return. Absolutely. You haven't done your tax return yet, have you? Perfect. I will get Michelle and the team onto that today for you. Easy done. So I've just factored into the plan, the the SGC that has been coming through from some of the sources of funds. Mostly, it's a thousand dollars a month. That's great. The I've got an updated portfolio for you as well, which is mixing in a few extra things. I've found a lot cheaper investments, a lot lower fees, a lot better performance for you guys, so I'm gonna mix that in for both. And the other thing was just when it comes to the old insurance checks. So the Ali insurance that you've got, that's technically for, like, life insurance, trauma insurance for, like, heart attack, stroke, and cancer, and it's a joint policy for both of you guys. So what I've done is I've found an insurer who will give you income protection. They were a bit iffy about the occupation because you do a lot of working from home. Normally, it's okay, but they just wanted to check that you do actually see some clients at all, whether you do leave the house to talk to somebody, go check-in with clients, and things like that. Do you know by any chance, you know, when you go do your tax return, claim a bit of travel to go see some clients or anything like that? Perfect. Easy done. So found a beautiful insurer that I'll send through to you in this document as well. They are offering life, TPD, and income protection for under a thousand bucks for all three. So that one's looking really good. Just needed to check that with you. The only thing was I was looking to try and replace the Ali insurance and get the life insurance into the super. But just because it's a joint policy and you've got that trauma benefit there, I was just lumping the life and disability on top inside the super because I didn't wanna say, hey. You go cancel your portion, and Danielle is on there as well. Just wanted to actually run that by you guys to make sure, one, still wanna keep that one in place for the trauma cover and everything, and if you're okay for me to kind of add a bit extra on through super. Yeah. Yeah. The breadwinner, so to speak. Yeah. Yep. Yep. No. It makes perfect sense to me. Based on my research so far, like, I've found really good deals when it comes to, like, the life insurance portion of it. It's really just trauma side of things. So what I'll do is I'll do up a quote for trauma insurance too to see if it is worth popping off of there. And then if not, you may wanna keep it, but I'll just get the other covers through the super. When it comes to the income protection, just bear in mind, I think we were quoting it for, like, a a ninety day waiting period, I believe, just to make sure that it's the premiums are low. And if you're out of work for a few months, it'll kick in monthly for quite a while. Because it has come to under 1,000, do you want me to look at something more like a thirty day waiting period, or do you still have the the financial backing to to last a couple of months? Yep. Easy done. And the my hesitancy initially was because of the you don't have contributions coming in from all the different sources of income. I didn't want too much premiums dragging the super backwards. But if you can maintain that contributions that you're doing now, that changes the the conversation completely, and I can base it off of an affordability metric to say as long as premiums are below, say, 30% of your contributions, we'll consider that as affordable in the projections. Mhmm. Yep. Mhmm. Yep. Absolutely. So I'll keep an eye on that, and I'll put that together. And like I said, I'll get the team to do the forms for the claiming of the contributions. Just make sure that you get the confirmation letter before you submit your tax return. Otherwise, they they lock you out. That's all. Cool. So I'll sort that out. The only other thing when it comes to the Ali insurance is they've been sending through statements to us, but redacting each other's details. So we got one for Daniella, but it's got all of your details redacted. And I'm just wondering if you guys possibly have a statement floating around that you could flick through that's a bit more up to date. That might be helpful. Cool. What what we'll do, if we do an authority on, like, Danielle of her details, they redact yours. So it's not like a joint authority. So we're gonna do, like, a separate one for you, one for her, and they just keep blacking out half the info. If you've got one, that's the quickest. If not, we'll do an authority for yours, and it's just to get the updated premiums, really. Just a statement or a certificate of currency or an anniversary notice, whatever they've emailed through. I'll get that notice of intent to claim form done and then send you through the details. You can just reply to that. That way, it's all all in one spot for you. Outside of that, quick double check on details, make sure it hasn't changed too much. So we're obviously doing the same kind of work, which is great. Do you know how you finished up for the financial year income wise overall? Yeah. Just a gross amount. I think we was thinking somewhere between $70.80. Yeah. Yeah. No. That's fine. I can go off that as a revenue because, obviously, the you know, getting SGC from all of those sources of income, so I'll just base it on what's coming into the account plus the thousand a month. And I'll just put that as an income estimate gross for the time being. Fantastic. Outside of that, the mortgage, has it dropped down below 300? Perfect. How far down do you reckon? What's a bit of an estimate? And while you're doing that, I'm just gonna do a quick valuation update. 282. Perfect. And home value, I'm I'm assuming you've benefited from the last twelve months crested above a mil now. Yep. Yep. I'll put 1,000,000 for now. It's not gonna make too much of a difference. And just for, like, the the life and disability cover, so there's $470,000 through Ali. I was just gonna do a flat 500,000 of both because you get some volume discounts once you click 500. Is that okay for life and total disability lump sum? Yeah. So if you pass away or can never work again, there's 0.5 a mil. Pay off the mortgage, couple of $100 left over, and then you've got your income protection kicking in for that monthly replacement. Yeah. Cool. We can always adjust it, but I'll apply for that for now because anything below that, it's almost more expensive than just going for the round figure. And anytime you decrease, easy done. It's just literally a quote or a letter. But if you increase cover, you gotta go through, like, underwriting medical questions, all that kind of thing. So rather just give you a bit of a buffer, do it once, should let you be pretty comfortable for a while. And then if we adjust it, it won't be for a few years' time. Perfect. Outside of that, I just had a bit of shares, bit of offset. I think you guys had about $20 in offset last time I spoke to you. No. That's fair. Yes. Yep. No. That's fair enough. Just just some update on the assets and liabilities there. And just quickly, so we've got focusing on the business, the mortgage, boost up the super, sort out the insurances, little bit holidays. Anything else you guys are focusing on the next couple of years I need to factor in as a goal or consideration? Yep. Cool. And then one of the things that we're gonna come back to as a fourth priority is basically focus on the mortgage, the holidays, the savings first, and the business. And then after all that's done, we can come back to personal investing, whether it be for you guys or the children, but a bit further down the track. Cool. Alrighty. Any questions for me so far? Mhmm. Easy done. And I've got all the joint retirement goals that we figured out together in there as well. When I get this document finished off, dot the i's cross the t's, I'll add some extra projections in there just so you can see where things are tracking, and then we can kind of review it down the line as well. Cool. Just in terms of timing, I'll have that done for you this week, and I do have a bit of time free next week just to run through that document with you, and then I'll do Daniella separately. Can I book in to run through that? I'll email it to you prior, but is there a good day and time? Yeah. Monday, Avo next week. Perfect. Monday, Avo, we'll do 12:00 next week on the August 3. Just you is fine for this one. I'm just finishing off a few things for Daniella, but I'll do I'll get this out of the way now just so we can get yours up to speed, and then I'll touch base with her afterwards. Awesome, mate. Thank you so much for your time today. I will jump straight into it, and then we'll run through any questions you've got next week on Monday. Awesome. Have a great day, Dom. Cheers. Bye.","confidence":0.99902344,"words":[{"word":"good","start":2.1599998,"end":2.48,"confidence":1.0,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.3069699704647064},{"word":"afternoon","start":2.48,"end":2.8799999,"confidence":0.99365234,"punctuated_word":"afternoon,","sentiment":"neutral","sentiment_score":0.2666279673576355},{"word":"dominic","start":2.8799999,"end":3.28,"confidence":0.9807129,"punctuated_word":"Dominic.","sentiment":"neutral","sentiment_score":0.29662781953811646},{"word":"tommy","start":3.28,"end":3.52,"confidence":0.98828125,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.28191810846328735},{"word":"here","start":3.52,"end":3.76,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.2896111309528351},{"word":"from","start":3.76,"end":4.26,"confidence":0.7044678,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":0.2406279444694519},{"word":"how","start":4.3199997,"end":4.56,"confidence":0.9941406,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2686561048030853},{"word":"are","start":4.56,"end":4.72,"confidence":0.5961914,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.22581352293491364},{"word":"you","start":4.72,"end":4.7999997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21822869777679443},{"word":"doing","start":4.7999997,"end":5.2999997,"confidence":0.99902344,"punctuated_word":"doing?","sentiment":"neutral","sentiment_score":0.2528860569000244},{"word":"i'm","start":6.48,"end":6.7999997,"confidence":0.6673584,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.23566189408302307},{"word":"living","start":6.7999997,"end":7.12,"confidence":0.99121094,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.2543553113937378},{"word":"the","start":7.12,"end":7.2,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2591266930103302},{"word":"dream","start":7.2,"end":7.52,"confidence":0.9863281,"punctuated_word":"dream","sentiment":"neutral","sentiment_score":0.13631810247898102},{"word":"so","start":7.52,"end":7.7599998,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09854064881801604},{"word":"far","start":7.7599998,"end":8.0,"confidence":0.9890137,"punctuated_word":"far.","sentiment":"neutral","sentiment_score":0.0907662883400917},{"word":"the","start":8.0,"end":8.16,"confidence":0.99609375,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.05371657758951187},{"word":"sun's","start":8.16,"end":8.48,"confidence":0.9880371,"punctuated_word":"sun's","sentiment":"neutral","sentiment_score":0.07829107344150543},{"word":"out","start":8.48,"end":8.8,"confidence":0.9890137,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.06270443648099899},{"word":"it's","start":8.8,"end":8.96,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.11280287802219392},{"word":"not","start":8.96,"end":9.2,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.165701761841774},{"word":"too","start":9.2,"end":9.44,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.11943589150905608},{"word":"cool","start":9.44,"end":9.94,"confidence":0.9995117,"punctuated_word":"cool.","sentiment":"neutral","sentiment_score":-0.10935500264167786},{"word":"how","start":10.24,"end":10.48,"confidence":0.7973633,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.041447870433330536},{"word":"about","start":10.48,"end":10.719999,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0364571288228035},{"word":"your","start":10.719999,"end":10.88,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.019010409712791443},{"word":"end","start":10.88,"end":11.38,"confidence":0.99658203,"punctuated_word":"end?","sentiment":"neutral","sentiment_score":0.09244868159294128},{"word":"getting","start":20.255001,"end":20.575,"confidence":0.97802734,"punctuated_word":"Getting","sentiment":"neutral","sentiment_score":0.2343266010284424},{"word":"by","start":20.575,"end":20.815,"confidence":0.98876953,"punctuated_word":"by,","sentiment":"neutral","sentiment_score":0.202458918094635},{"word":"mate","start":20.815,"end":21.135,"confidence":0.98657227,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":0.24084442853927612},{"word":"getting","start":21.135,"end":21.455,"confidence":0.9980469,"punctuated_word":"Getting","sentiment":"neutral","sentiment_score":0.16293510794639587},{"word":"by","start":21.455,"end":21.955,"confidence":1.0,"punctuated_word":"by.","sentiment":"neutral","sentiment_score":0.14510759711265564},{"word":"yeah","start":25.59,"end":25.91,"confidence":0.96191406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3139600157737732},{"word":"pretty","start":25.91,"end":26.07,"confidence":0.9980469,"punctuated_word":"Pretty","sentiment":"positive","sentiment_score":0.6041441559791565},{"word":"good","start":26.07,"end":26.31,"confidence":0.92749023,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.568006157875061},{"word":"pretty","start":26.31,"end":26.47,"confidence":1.0,"punctuated_word":"Pretty","sentiment":"positive","sentiment_score":0.6150802969932556},{"word":"good","start":26.47,"end":26.97,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6255923509597778},{"word":"it's","start":27.269999,"end":27.43,"confidence":0.99609375,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6273642778396606},{"word":"monday's","start":27.43,"end":27.83,"confidence":0.51330566,"punctuated_word":"Monday's","sentiment":"positive","sentiment_score":0.713529109954834},{"word":"always","start":27.83,"end":28.23,"confidence":0.9921875,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.7666144371032715},{"word":"great","start":28.23,"end":28.55,"confidence":0.8791504,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6968002915382385},{"word":"nice","start":28.55,"end":28.789999,"confidence":0.99902344,"punctuated_word":"Nice","sentiment":"positive","sentiment_score":0.6370904445648193},{"word":"and","start":28.789999,"end":28.949999,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6590467095375061},{"word":"early","start":28.949999,"end":29.449999,"confidence":1.0,"punctuated_word":"early","sentiment":"positive","sentiment_score":0.6923846006393433},{"word":"on","start":29.509998,"end":29.75,"confidence":0.9453125,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.7103485465049744},{"word":"top","start":29.75,"end":29.91,"confidence":1.0,"punctuated_word":"top","sentiment":"positive","sentiment_score":0.676111102104187},{"word":"of","start":29.91,"end":29.99,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.7218682765960693},{"word":"things","start":29.99,"end":30.49,"confidence":1.0,"punctuated_word":"things.","sentiment":"positive","sentiment_score":0.631140947341919},{"word":"i","start":31.109999,"end":31.349998,"confidence":0.96240234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12199315428733826},{"word":"had","start":31.349998,"end":31.849998,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.08627557754516602},{"word":"a","start":31.91,"end":32.07,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06390054523944855},{"word":"few","start":32.07,"end":32.309998,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.03661321848630905},{"word":"things","start":32.309998,"end":32.629997,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0718361958861351},{"word":"that","start":32.629997,"end":32.79,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05740256980061531},{"word":"i","start":32.79,"end":32.949997,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06391696631908417},{"word":"wanted","start":32.949997,"end":33.19,"confidence":0.9980469,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.0495666041970253},{"word":"to","start":33.19,"end":33.27,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0742894783616066},{"word":"run","start":33.27,"end":33.51,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.09014223515987396},{"word":"through","start":33.51,"end":33.75,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0923733189702034},{"word":"with","start":33.75,"end":33.91,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1392529159784317},{"word":"you","start":33.91,"end":34.07,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16989025473594666},{"word":"today","start":34.07,"end":34.47,"confidence":0.9970703,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.11027593165636064},{"word":"i've","start":34.47,"end":34.629997,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.09132449328899384},{"word":"got","start":34.629997,"end":34.79,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1002858504652977},{"word":"a","start":34.79,"end":34.949997,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08822141587734222},{"word":"bit","start":34.949997,"end":35.11,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09581493586301804},{"word":"of","start":35.11,"end":35.35,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10254676640033722},{"word":"an","start":35.35,"end":35.75,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10730437934398653},{"word":"updated","start":35.75,"end":36.25,"confidence":0.68652344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.09675398468971252},{"word":"strategy","start":36.309998,"end":36.79,"confidence":1.0,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.06798166036605835},{"word":"to","start":36.79,"end":36.949997,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07541826367378235},{"word":"send","start":36.949997,"end":37.19,"confidence":0.9921875,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.07388773560523987},{"word":"through","start":37.19,"end":37.545,"confidence":0.9255371,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.07914015650749207},{"word":"quite","start":38.824997,"end":39.144997,"confidence":0.97998047,"punctuated_word":"Quite","sentiment":"neutral","sentiment_score":0.23304766416549683},{"word":"a","start":39.144997,"end":39.225,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22715076804161072},{"word":"beautiful","start":39.225,"end":39.545,"confidence":0.99902344,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.3339477479457855},{"word":"few","start":39.545,"end":39.864998,"confidence":0.9970703,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.22396141290664673},{"word":"things","start":39.864998,"end":40.184998,"confidence":0.9951172,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2859029173851013},{"word":"that","start":40.184998,"end":40.344997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26328036189079285},{"word":"we're","start":40.344997,"end":40.585,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.28033724427223206},{"word":"doing","start":40.585,"end":40.905,"confidence":0.9724121,"punctuated_word":"doing,","sentiment":"neutral","sentiment_score":0.23659901320934296},{"word":"but","start":40.905,"end":41.385,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12911030650138855},{"word":"couple","start":41.385,"end":41.625,"confidence":0.7709961,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.05752928555011749},{"word":"of","start":41.625,"end":41.704998,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1022939458489418},{"word":"checks","start":41.704998,"end":41.945,"confidence":1.0,"punctuated_word":"checks","sentiment":"neutral","sentiment_score":0.09031760692596436},{"word":"i","start":41.945,"end":42.105,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1024627536535263},{"word":"wanted","start":42.105,"end":42.344997,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.07775800675153732},{"word":"to","start":42.344997,"end":42.425,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09876713156700134},{"word":"do","start":42.425,"end":42.585,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08264178782701492},{"word":"before","start":42.585,"end":42.824997,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.10274730622768402},{"word":"i","start":42.824997,"end":42.984997,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1458050012588501},{"word":"send","start":42.984997,"end":43.144997,"confidence":0.9970703,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.10136894881725313},{"word":"it","start":43.144997,"end":43.304996,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16441717743873596},{"word":"through","start":43.304996,"end":43.545,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1407097727060318},{"word":"to","start":43.545,"end":43.625,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1561906635761261},{"word":"you","start":43.625,"end":43.704998,"confidence":0.7495117,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.1521982103586197},{"word":"if","start":43.704998,"end":43.864998,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17443029582500458},{"word":"that's","start":43.864998,"end":44.105,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.15338397026062012},{"word":"alright","start":44.105,"end":44.605,"confidence":0.8967285,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.1863664835691452},{"word":"perfect","start":45.945,"end":46.425,"confidence":0.99365234,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3742744326591492},{"word":"so","start":46.425,"end":46.925,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18736056983470917},{"word":"i'm","start":46.984997,"end":47.225,"confidence":0.97143555,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1822998821735382},{"word":"just","start":47.225,"end":47.385,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17011795938014984},{"word":"gonna","start":47.385,"end":47.545,"confidence":0.9716797,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.13822126388549805},{"word":"do","start":47.545,"end":47.704998,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.116488978266716},{"word":"a","start":47.704998,"end":47.784996,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14717166125774384},{"word":"quick","start":47.784996,"end":48.024998,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.1901120692491531},{"word":"security","start":48.024998,"end":48.344997,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.08258631825447083},{"word":"check","start":48.344997,"end":48.504997,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.13052484393119812},{"word":"with","start":48.504997,"end":48.664997,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14631572365760803},{"word":"you","start":48.664997,"end":48.824997,"confidence":0.9970703,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.16555312275886536},{"word":"i'll","start":48.824997,"end":49.065,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15551622211933136},{"word":"run","start":49.065,"end":49.225,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.12204086780548096},{"word":"through","start":49.225,"end":49.464996,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13355739414691925},{"word":"what","start":49.464996,"end":49.625,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12128055095672607},{"word":"i'm","start":49.625,"end":49.864998,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1355198323726654},{"word":"thinking","start":49.864998,"end":50.184998,"confidence":0.9367676,"punctuated_word":"thinking,","sentiment":"neutral","sentiment_score":0.15402022004127502},{"word":"and","start":50.184998,"end":50.344997,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15012961626052856},{"word":"then","start":50.344997,"end":50.504997,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.17180442810058594},{"word":"just","start":50.504997,"end":50.745,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15889379382133484},{"word":"let","start":50.745,"end":50.824997,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.11550011485815048},{"word":"me","start":50.824997,"end":50.984997,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.13546453416347504},{"word":"know","start":50.984997,"end":51.144997,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1395754516124725},{"word":"if","start":51.144997,"end":51.225,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12417144328355788},{"word":"there's","start":51.225,"end":51.385,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.12161396443843842},{"word":"anything","start":51.385,"end":51.704998,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.14189469814300537},{"word":"else","start":51.704998,"end":51.864998,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.10315008461475372},{"word":"i","start":51.864998,"end":52.024998,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07198476791381836},{"word":"need","start":52.024998,"end":52.184998,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.07327623665332794},{"word":"to","start":52.184998,"end":52.265,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09126828610897064},{"word":"cover","start":52.265,"end":52.68,"confidence":1.0,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.0803111270070076},{"word":"so","start":53.56,"end":53.72,"confidence":0.7080078,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02592485398054123},{"word":"can","start":53.72,"end":53.96,"confidence":0.9560547,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03129298612475395},{"word":"you","start":53.96,"end":54.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026327550411224365},{"word":"just","start":54.2,"end":54.36,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03987124189734459},{"word":"confirm","start":54.36,"end":54.760002,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.036736346781253815},{"word":"date","start":54.760002,"end":55.0,"confidence":0.99902344,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.03481293469667435},{"word":"of","start":55.0,"end":55.08,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02945262566208839},{"word":"birth","start":55.08,"end":55.24,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.03494160994887352},{"word":"and","start":55.24,"end":55.4,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04275701195001602},{"word":"address","start":55.4,"end":55.8,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.04047883301973343},{"word":"for","start":55.8,"end":55.96,"confidence":0.9633789,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05398896709084511},{"word":"security","start":55.96,"end":56.44,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.0456443652510643},{"word":"for","start":56.44,"end":56.6,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04188483580946922},{"word":"me","start":56.6,"end":56.760002,"confidence":0.9995117,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.04619521275162697},{"word":"please","start":56.760002,"end":57.260002,"confidence":0.99853516,"punctuated_word":"please?","sentiment":"neutral","sentiment_score":0.03792496398091316},{"word":"sensational","start":62.760002,"end":63.260002,"confidence":0.99348956,"punctuated_word":"Sensational.","sentiment":"neutral","sentiment_score":0.04470454528927803},{"word":"and","start":63.56,"end":63.72,"confidence":0.98095703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.024585988372564316},{"word":"i'm","start":63.72,"end":63.88,"confidence":0.95654297,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.017215289175510406},{"word":"a","start":63.88,"end":64.04,"confidence":0.3449707,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015378694981336594},{"word":"registered","start":64.04,"end":64.520004,"confidence":0.7573242,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.02244710549712181},{"word":"with","start":64.520004,"end":64.68,"confidence":0.91748047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.016749799251556396},{"word":"adviser","start":64.68,"end":65.18,"confidence":0.45141602,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.02685336023569107},{"word":"one","start":65.479996,"end":65.64,"confidence":0.90722656,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.025930453091859818},{"word":"two","start":65.64,"end":65.88,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.01905806176364422},{"word":"seven","start":65.88,"end":66.2,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.01478998176753521},{"word":"three","start":66.2,"end":66.44,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.01643955707550049},{"word":"one","start":66.44,"end":66.6,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.016509993001818657},{"word":"zero","start":66.6,"end":66.92,"confidence":1.0,"punctuated_word":"zero","sentiment":"neutral","sentiment_score":0.019516471773386},{"word":"five","start":66.92,"end":67.395,"confidence":0.99658203,"punctuated_word":"five.","sentiment":"neutral","sentiment_score":0.0257803313434124},{"word":"mate","start":68.274994,"end":68.435,"confidence":0.7237549,"punctuated_word":"Mate,","sentiment":"neutral","sentiment_score":0.02391069568693638},{"word":"first","start":68.435,"end":68.674995,"confidence":0.9482422,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.024433111771941185},{"word":"part","start":68.674995,"end":68.795,"confidence":0.8120117,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.03034716844558716},{"word":"i","start":68.795,"end":68.91499,"confidence":0.7758789,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017559830099344254},{"word":"wanted","start":68.91499,"end":69.075,"confidence":0.9707031,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.013999581336975098},{"word":"to","start":69.075,"end":69.23499,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019987329840660095},{"word":"start","start":69.23499,"end":69.475,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.01897447742521763},{"word":"with","start":69.475,"end":69.715,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0173531211912632},{"word":"was","start":69.715,"end":70.195,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.019862288609147072},{"word":"just","start":70.195,"end":70.515,"confidence":0.9199219,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03414824604988098},{"word":"going","start":70.515,"end":70.755,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.025551315397024155},{"word":"through","start":70.755,"end":71.255,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0216643288731575},{"word":"contributions","start":71.954994,"end":72.454994,"confidence":0.986084,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.01337348110973835},{"word":"we","start":72.59499,"end":72.835,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.014807123690843582},{"word":"ran","start":72.835,"end":73.075,"confidence":0.99609375,"punctuated_word":"ran","sentiment":"neutral","sentiment_score":0.013086937367916107},{"word":"a","start":73.075,"end":73.155,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.017393864691257477},{"word":"report","start":73.155,"end":73.475,"confidence":1.0,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.0191127248108387},{"word":"for","start":73.475,"end":73.634995,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0144076906144619},{"word":"all","start":73.634995,"end":73.875,"confidence":0.95410156,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.02054711803793907},{"word":"clients","start":73.875,"end":74.274994,"confidence":0.9399414,"punctuated_word":"clients,","sentiment":"neutral","sentiment_score":0.018272865563631054},{"word":"and","start":74.274994,"end":74.435,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01330454647541046},{"word":"we've","start":74.435,"end":74.674995,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.009768047370016577},{"word":"got","start":74.674995,"end":74.91499,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.005069456994533539},{"word":"some","start":74.91499,"end":75.155,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.009158637374639513},{"word":"contributions","start":75.155,"end":75.655,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.005317091941833496},{"word":"you've","start":75.715,"end":75.954994,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.004530051257461309},{"word":"been","start":75.954994,"end":76.115,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.020221225917339325},{"word":"making","start":76.115,"end":76.59499,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.004964187741279602},{"word":"into","start":76.59499,"end":76.835,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.02087695151567459},{"word":"the","start":76.835,"end":77.075,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.003700446337461472},{"word":"old","start":77.075,"end":77.314995,"confidence":0.9536133,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.0024320892989635468},{"word":"server","start":77.314995,"end":77.814995,"confidence":0.65856934,"punctuated_word":"server.","sentiment":"neutral","sentiment_score":0.012111878022551537},{"word":"and","start":78.195,"end":78.674995,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.011046327650547028},{"word":"i","start":78.674995,"end":78.91499,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021358180791139603},{"word":"just","start":78.91499,"end":79.155,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02158840373158455},{"word":"wanna","start":79.155,"end":79.395,"confidence":0.4482422,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.035633385181427},{"word":"check","start":79.395,"end":79.62,"confidence":0.7973633,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.025580260902643204},{"word":"with","start":79.62,"end":79.78001,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.017425023019313812},{"word":"you","start":79.78001,"end":80.020004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04025505855679512},{"word":"if","start":80.020004,"end":80.060005,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.027019809931516647},{"word":"you","start":80.060005,"end":80.100006,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016102105379104614},{"word":"needed","start":80.100006,"end":80.58,"confidence":1.0,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.009452063590288162},{"word":"any","start":80.58,"end":80.82,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.019741550087928772},{"word":"assistance","start":80.82,"end":81.32,"confidence":0.9980469,"punctuated_word":"assistance","sentiment":"neutral","sentiment_score":0.006797146052122116},{"word":"in","start":81.46,"end":81.96,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01448557898402214},{"word":"the","start":82.18,"end":82.5,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009530514478683472},{"word":"paperwork","start":82.5,"end":83.0,"confidence":0.99902344,"punctuated_word":"paperwork","sentiment":"neutral","sentiment_score":0.029212575405836105},{"word":"to","start":83.380005,"end":83.54,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004801992326974869},{"word":"claim","start":83.54,"end":83.86,"confidence":1.0,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.011938337236642838},{"word":"it","start":83.86,"end":84.020004,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016103655099868774},{"word":"for","start":84.020004,"end":84.18,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-9.164214134216309e-6},{"word":"the","start":84.18,"end":84.340004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0002293325960636139},{"word":"tax","start":84.340004,"end":84.58,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.026913072913885117},{"word":"return","start":84.58,"end":85.08,"confidence":0.9741211,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":-0.0001889299601316452},{"word":"yes","start":88.82,"end":89.32,"confidence":0.7585449,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.04002651572227478},{"word":"no","start":99.075005,"end":99.475,"confidence":0.9736328,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1596347689628601},{"word":"so","start":99.475,"end":99.715004,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11408757418394087},{"word":"you've","start":99.715004,"end":100.035,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.12591823935508728},{"word":"been","start":100.035,"end":100.195,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.13403721153736117},{"word":"putting","start":100.195,"end":100.435005,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.11130763590335846},{"word":"in","start":100.435005,"end":100.595,"confidence":0.9736328,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.1009274795651436},{"word":"i","start":100.595,"end":100.675,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11019212752580644},{"word":"think","start":100.675,"end":101.075005,"confidence":0.9946289,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":-0.12408923357725143},{"word":"a","start":101.075005,"end":101.155,"confidence":0.9370117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10152590274810792},{"word":"thousand","start":101.155,"end":101.555,"confidence":0.99316406,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.0760037824511528},{"word":"dollars","start":101.555,"end":101.875,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.07683956623077393},{"word":"a","start":101.875,"end":101.955,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09513504803180696},{"word":"month","start":101.955,"end":102.455,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.0820213109254837},{"word":"into","start":102.835,"end":103.335,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.06687969714403152},{"word":"the","start":103.555,"end":103.715004,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07010138779878616},{"word":"super","start":103.715004,"end":104.215004,"confidence":0.9362793,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.055931687355041504},{"word":"so","start":104.28,"end":104.44,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05669084191322327},{"word":"what","start":104.44,"end":104.68,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06894884258508682},{"word":"happens","start":104.68,"end":104.92,"confidence":0.99902344,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.0467693991959095},{"word":"is","start":104.92,"end":105.159996,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.042720675468444824},{"word":"it","start":105.159996,"end":105.32,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.024021640419960025},{"word":"goes","start":105.32,"end":105.64,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.03176741302013397},{"word":"in","start":105.64,"end":105.96,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03483716398477554},{"word":"as","start":105.96,"end":106.119995,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.027221648022532463},{"word":"a","start":106.119995,"end":106.36,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015242723748087885},{"word":"personal","start":106.36,"end":106.76,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.026381786912679672},{"word":"contribution","start":106.76,"end":107.26,"confidence":0.79663086,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":-0.03414106369018555},{"word":"and","start":107.88,"end":108.28,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.028657466173171997},{"word":"for","start":108.28,"end":108.52,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.015692826360464096},{"word":"the","start":108.52,"end":108.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02607637457549572},{"word":"tax","start":108.76,"end":109.08,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.07433025538921356},{"word":"return","start":109.08,"end":109.4,"confidence":0.99853516,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.03185265138745308},{"word":"we've","start":109.4,"end":109.64,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.02202729880809784},{"word":"got","start":109.64,"end":109.799995,"confidence":0.70996094,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.023646261543035507},{"word":"to","start":109.799995,"end":109.96,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023456858471035957},{"word":"do","start":109.96,"end":110.2,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.017201803624629974},{"word":"a","start":110.2,"end":110.36,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03692566230893135},{"word":"notice","start":110.36,"end":110.76,"confidence":1.0,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.03090350702404976},{"word":"of","start":110.76,"end":111.0,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023887917399406433},{"word":"intent","start":111.0,"end":111.479996,"confidence":1.0,"punctuated_word":"intent","sentiment":"neutral","sentiment_score":-0.023019686341285706},{"word":"to","start":111.479996,"end":111.56,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03963485360145569},{"word":"claim","start":111.56,"end":111.96,"confidence":1.0,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.02304872125387192},{"word":"form","start":111.96,"end":112.36,"confidence":0.99902344,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.010843917727470398},{"word":"and","start":112.36,"end":112.6,"confidence":0.5698242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013640973716974258},{"word":"basically","start":112.6,"end":113.0,"confidence":0.8989258,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.007178826257586479},{"word":"saying","start":113.0,"end":113.32,"confidence":0.9875488,"punctuated_word":"saying,","sentiment":"neutral","sentiment_score":0.03711867332458496},{"word":"hey","start":113.32,"end":113.64,"confidence":0.8811035,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":0.05478441342711449},{"word":"you","start":113.64,"end":113.799995,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.05784662440419197},{"word":"put","start":113.799995,"end":114.04,"confidence":0.52197266,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.03920717537403107},{"word":"in","start":114.04,"end":114.2,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05195018649101257},{"word":"4,500","start":114.2,"end":115.0,"confidence":0.9916992,"punctuated_word":"4,500","sentiment":"neutral","sentiment_score":0.04777230694890022},{"word":"so","start":115.0,"end":115.159996,"confidence":0.97509766,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.048493705689907074},{"word":"far","start":115.159996,"end":115.4,"confidence":0.99902344,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.042209938168525696},{"word":"that","start":115.4,"end":115.56,"confidence":0.8364258,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07209669053554535},{"word":"financial","start":115.56,"end":116.04,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.03037184476852417},{"word":"year","start":116.04,"end":116.2,"confidence":0.8640137,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.048986561596393585},{"word":"we","start":116.2,"end":116.36,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.06899116188287735},{"word":"would","start":116.36,"end":116.52,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10455193370580672},{"word":"like","start":116.52,"end":116.759995,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.11572162806987762},{"word":"to","start":116.759995,"end":116.84,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1113262176513672},{"word":"claim","start":116.84,"end":117.08,"confidence":0.99316406,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.13410750031471252},{"word":"it","start":117.08,"end":117.24,"confidence":0.984375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12990814447402954},{"word":"on","start":117.24,"end":117.32,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13075508177280426},{"word":"the","start":117.32,"end":117.479996,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1241678074002266},{"word":"tax","start":117.479996,"end":117.705,"confidence":0.9941406,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.2580908536911011},{"word":"return","start":117.705,"end":118.205,"confidence":0.9995117,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.11835654079914092},{"word":"absolutely","start":121.225,"end":121.705,"confidence":0.99560547,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.28035420179367065},{"word":"you","start":121.705,"end":121.785,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.021479271352291107},{"word":"haven't","start":121.785,"end":121.945,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.047860123217105865},{"word":"done","start":121.945,"end":122.105,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.0393163338303566},{"word":"your","start":122.105,"end":122.185005,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0026189759373664856},{"word":"tax","start":122.185005,"end":122.425,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.06448014825582504},{"word":"return","start":122.425,"end":122.745,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.03922630846500397},{"word":"yet","start":122.745,"end":122.905,"confidence":0.986084,"punctuated_word":"yet,","sentiment":"neutral","sentiment_score":0.02019011415541172},{"word":"have","start":122.905,"end":123.065,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.024312980473041534},{"word":"you","start":123.065,"end":123.565,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.0588112473487854},{"word":"perfect","start":124.745,"end":125.225,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5180811882019043},{"word":"i","start":125.225,"end":125.305,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3716197311878204},{"word":"will","start":125.305,"end":125.545,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3846880793571472},{"word":"get","start":125.545,"end":125.945,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3851194977760315},{"word":"michelle","start":125.945,"end":126.265,"confidence":0.7734375,"punctuated_word":"Michelle","sentiment":"positive","sentiment_score":0.5114384889602661},{"word":"and","start":126.265,"end":126.425,"confidence":0.68310547,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4540711045265198},{"word":"the","start":126.425,"end":126.505005,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5395063161849976},{"word":"team","start":126.505005,"end":126.745,"confidence":1.0,"punctuated_word":"team","sentiment":"positive","sentiment_score":0.47995930910110474},{"word":"onto","start":126.745,"end":126.985,"confidence":0.79003906,"punctuated_word":"onto","sentiment":"positive","sentiment_score":0.4459969699382782},{"word":"that","start":126.985,"end":127.225,"confidence":0.9970703,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4909388124942779},{"word":"today","start":127.225,"end":127.545,"confidence":1.0,"punctuated_word":"today","sentiment":"positive","sentiment_score":0.4845823645591736},{"word":"for","start":127.545,"end":127.785,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5196822285652161},{"word":"you","start":127.785,"end":128.285,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3827850818634033},{"word":"easy","start":129.385,"end":129.785,"confidence":0.99902344,"punctuated_word":"Easy","sentiment":"positive","sentiment_score":0.7524145841598511},{"word":"done","start":129.785,"end":130.05,"confidence":0.99609375,"punctuated_word":"done.","sentiment":"positive","sentiment_score":0.6064848899841309},{"word":"so","start":130.53,"end":130.85,"confidence":0.97314453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1868201047182083},{"word":"i've","start":130.85,"end":131.09,"confidence":0.99609375,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.21004855632781985},{"word":"just","start":131.09,"end":131.25,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16840356588363647},{"word":"factored","start":131.25,"end":131.65001,"confidence":0.99853516,"punctuated_word":"factored","sentiment":"neutral","sentiment_score":0.1514933556318283},{"word":"into","start":131.65001,"end":131.89,"confidence":0.95703125,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.16946274042129517},{"word":"the","start":131.89,"end":132.05,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2005331814289093},{"word":"plan","start":132.05,"end":132.37001,"confidence":0.7056885,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":0.19237829744815824},{"word":"the","start":132.37001,"end":132.61,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.103424072265625},{"word":"the","start":132.61,"end":132.77,"confidence":0.94384766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09257373213768004},{"word":"sgc","start":132.77,"end":133.25,"confidence":0.6953125,"punctuated_word":"SGC","sentiment":"neutral","sentiment_score":0.1074228137731552},{"word":"that","start":133.25,"end":133.41,"confidence":0.9140625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07656987756490707},{"word":"has","start":133.41,"end":133.57,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.06867218762636185},{"word":"been","start":133.57,"end":133.81,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.08399828523397446},{"word":"coming","start":133.81,"end":134.13,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.07673902064561844},{"word":"through","start":134.13,"end":134.37,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07306116074323654},{"word":"from","start":134.37,"end":134.61,"confidence":0.9941406,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.07864724099636078},{"word":"some","start":134.61,"end":134.85,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11364083737134932},{"word":"of","start":134.85,"end":134.93001,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10943659394979476},{"word":"the","start":134.93001,"end":135.09,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1242804229259491},{"word":"sources","start":135.09,"end":135.49,"confidence":0.99902344,"punctuated_word":"sources","sentiment":"neutral","sentiment_score":0.12344738841056824},{"word":"of","start":135.49,"end":135.65001,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16953295469284058},{"word":"funds","start":135.65001,"end":136.15001,"confidence":0.9724121,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.08262346684932709},{"word":"mostly","start":136.61,"end":136.93001,"confidence":0.9157715,"punctuated_word":"Mostly,","sentiment":"neutral","sentiment_score":0.10738255083560944},{"word":"it's","start":136.93001,"end":137.09,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1214841455221176},{"word":"a","start":137.09,"end":137.25,"confidence":0.92089844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13215433061122894},{"word":"thousand","start":137.25,"end":137.57,"confidence":0.99609375,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.09766250103712082},{"word":"dollars","start":137.57,"end":137.81,"confidence":0.9980469,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.08231620490550995},{"word":"a","start":137.81,"end":137.89,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1117476224899292},{"word":"month","start":137.89,"end":138.13,"confidence":0.99560547,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.1544935703277588},{"word":"that's","start":138.13,"end":138.37,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7833304405212402},{"word":"great","start":138.37,"end":138.87,"confidence":1.0,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.7543185949325562},{"word":"the","start":139.57,"end":140.07,"confidence":0.97509766,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.4311699867248535},{"word":"i've","start":140.45,"end":140.61,"confidence":0.88623047,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.5055923461914062},{"word":"got","start":140.61,"end":140.77,"confidence":0.9980469,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.5276840329170227},{"word":"an","start":140.77,"end":140.93001,"confidence":0.9980469,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.542965292930603},{"word":"updated","start":140.93001,"end":141.33,"confidence":0.9863281,"punctuated_word":"updated","sentiment":"positive","sentiment_score":0.5476446747779846},{"word":"portfolio","start":141.33,"end":141.83,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.47013986110687256},{"word":"for","start":141.97,"end":142.13,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6194207072257996},{"word":"you","start":142.13,"end":142.29001,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6078330278396606},{"word":"as","start":142.29001,"end":142.45,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5034698247909546},{"word":"well","start":142.45,"end":142.69,"confidence":0.97143555,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.4536353349685669},{"word":"which","start":142.69,"end":142.85,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4824385344982147},{"word":"is","start":142.85,"end":143.01001,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3922863900661469},{"word":"mixing","start":143.01001,"end":143.41,"confidence":1.0,"punctuated_word":"mixing","sentiment":"positive","sentiment_score":0.5891619920730591},{"word":"in","start":143.41,"end":143.57,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4666438698768616},{"word":"a","start":143.57,"end":143.65001,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4852625429630279},{"word":"few","start":143.65001,"end":143.89,"confidence":1.0,"punctuated_word":"few","sentiment":"positive","sentiment_score":0.4484139084815979},{"word":"extra","start":143.89,"end":144.21,"confidence":1.0,"punctuated_word":"extra","sentiment":"positive","sentiment_score":0.5651013255119324},{"word":"things","start":144.21,"end":144.71,"confidence":0.99902344,"punctuated_word":"things.","sentiment":"positive","sentiment_score":0.46492090821266174},{"word":"i've","start":145.295,"end":145.535,"confidence":0.75390625,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.5810825824737549},{"word":"found","start":145.535,"end":145.775,"confidence":1.0,"punctuated_word":"found","sentiment":"positive","sentiment_score":0.6370958685874939},{"word":"a","start":145.775,"end":145.935,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5701983571052551},{"word":"lot","start":145.935,"end":146.415,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.6335636973381042},{"word":"cheaper","start":146.415,"end":146.815,"confidence":1.0,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.5740482807159424},{"word":"investments","start":146.815,"end":147.315,"confidence":0.9633789,"punctuated_word":"investments,","sentiment":"positive","sentiment_score":0.4942085146903992},{"word":"a","start":147.375,"end":147.455,"confidence":0.9350586,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6052601337432861},{"word":"lot","start":147.455,"end":147.695,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.6144100427627563},{"word":"lower","start":147.695,"end":147.935,"confidence":0.9980469,"punctuated_word":"lower","sentiment":"positive","sentiment_score":0.5074622631072998},{"word":"fees","start":147.935,"end":148.13501,"confidence":0.99853516,"punctuated_word":"fees,","sentiment":"positive","sentiment_score":0.48037204146385193},{"word":"a","start":148.13501,"end":148.335,"confidence":0.9140625,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6469684839248657},{"word":"lot","start":148.335,"end":148.495,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.6711230278015137},{"word":"better","start":148.495,"end":148.815,"confidence":0.99902344,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.5789148807525635},{"word":"performance","start":148.815,"end":149.295,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"positive","sentiment_score":0.6292372941970825},{"word":"for","start":149.295,"end":149.455,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5707160830497742},{"word":"you","start":149.455,"end":149.615,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6268514394760132},{"word":"guys","start":149.615,"end":149.855,"confidence":0.78149414,"punctuated_word":"guys,","sentiment":"positive","sentiment_score":0.5133798718452454},{"word":"so","start":149.855,"end":150.095,"confidence":0.9980469,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3649282455444336},{"word":"i'm","start":150.095,"end":150.255,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3339782655239105},{"word":"gonna","start":150.255,"end":150.495,"confidence":0.90478516,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.3062281012535095},{"word":"mix","start":150.495,"end":150.655,"confidence":0.9980469,"punctuated_word":"mix","sentiment":"positive","sentiment_score":0.3336986005306244},{"word":"that","start":150.655,"end":150.815,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.36569130420684814},{"word":"in","start":150.815,"end":151.055,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35903307795524597},{"word":"for","start":151.055,"end":151.295,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3169679641723633},{"word":"both","start":151.295,"end":151.795,"confidence":0.9921875,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":0.324754923582077},{"word":"and","start":152.255,"end":152.755,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08209612965583801},{"word":"the","start":153.135,"end":153.295,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06205867603421211},{"word":"other","start":153.295,"end":153.535,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07753019034862518},{"word":"thing","start":153.535,"end":153.775,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.07800409197807312},{"word":"was","start":153.775,"end":154.095,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05281836539506912},{"word":"just","start":154.095,"end":154.255,"confidence":0.96240234,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.029139377176761627},{"word":"when","start":154.255,"end":154.495,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.016927571967244148},{"word":"it","start":154.495,"end":154.575,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.022809797897934914},{"word":"comes","start":154.575,"end":154.975,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.015658652409911156},{"word":"to","start":154.975,"end":155.375,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.020817281678318977},{"word":"the","start":155.375,"end":155.535,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010237213224172592},{"word":"old","start":155.535,"end":156.035,"confidence":0.9980469,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.012080073356628418},{"word":"insurance","start":156.095,"end":156.595,"confidence":0.9614258,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.00032205134630203247},{"word":"checks","start":156.735,"end":156.99,"confidence":0.8979492,"punctuated_word":"checks.","sentiment":"neutral","sentiment_score":0.0151078375056386},{"word":"so","start":157.87001,"end":158.37001,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04009220376610756},{"word":"the","start":159.23001,"end":159.55,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.038508519530296326},{"word":"ali","start":159.55,"end":159.79001,"confidence":0.4230957,"punctuated_word":"Ali","sentiment":"neutral","sentiment_score":0.047277238219976425},{"word":"insurance","start":159.79001,"end":160.27,"confidence":0.77441406,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.0500524677336216},{"word":"that","start":160.27,"end":160.43001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.036639679223299026},{"word":"you've","start":160.43001,"end":160.93001,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04927331954240799},{"word":"got","start":161.71,"end":162.21,"confidence":0.9951172,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.05635333061218262},{"word":"that's","start":162.35,"end":162.75,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04514458030462265},{"word":"technically","start":162.75,"end":163.23001,"confidence":0.99121094,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":0.03123204968869686},{"word":"for","start":163.23001,"end":163.47,"confidence":0.9650879,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.04430866613984108},{"word":"like","start":163.47,"end":163.71,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.058672502636909485},{"word":"life","start":163.71,"end":163.95001,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.06676346063613892},{"word":"insurance","start":163.95001,"end":164.45001,"confidence":0.98217773,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.07011781632900238},{"word":"trauma","start":164.59001,"end":165.07,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.049421727657318115},{"word":"insurance","start":165.07,"end":165.55,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.07005278021097183},{"word":"for","start":165.55,"end":165.71,"confidence":0.89624023,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.06586171686649323},{"word":"like","start":165.71,"end":165.87001,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08024744689464569},{"word":"heart","start":165.87001,"end":166.11,"confidence":1.0,"punctuated_word":"heart","sentiment":"neutral","sentiment_score":0.06009279191493988},{"word":"attack","start":166.11,"end":166.43001,"confidence":0.93847656,"punctuated_word":"attack,","sentiment":"neutral","sentiment_score":0.07853192090988159},{"word":"stroke","start":166.43001,"end":166.67,"confidence":0.9633789,"punctuated_word":"stroke,","sentiment":"neutral","sentiment_score":0.08767475187778473},{"word":"and","start":166.67,"end":166.83,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0865594819188118},{"word":"cancer","start":166.83,"end":167.23001,"confidence":0.9423828,"punctuated_word":"cancer,","sentiment":"neutral","sentiment_score":0.099336676299572},{"word":"and","start":167.23001,"end":167.47,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0907554030418396},{"word":"it's","start":167.47,"end":167.63,"confidence":0.99609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.12791141867637634},{"word":"a","start":167.63,"end":167.71,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10654018819332124},{"word":"joint","start":167.71,"end":168.03,"confidence":1.0,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.13062061369419098},{"word":"policy","start":168.03,"end":168.43001,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.15894435346126556},{"word":"for","start":168.43001,"end":168.59001,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10230953991413116},{"word":"both","start":168.59001,"end":168.75,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.1809287816286087},{"word":"of","start":168.75,"end":168.91,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15767967700958252},{"word":"you","start":168.91,"end":169.07,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13978460431098938},{"word":"guys","start":169.07,"end":169.57,"confidence":0.99902344,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":0.11902422457933426},{"word":"so","start":171.10501,"end":171.345,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05284489691257477},{"word":"what","start":171.345,"end":171.66501,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06307458877563477},{"word":"i've","start":171.66501,"end":171.82501,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.06982557475566864},{"word":"done","start":171.82501,"end":172.065,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.07093296945095062},{"word":"is","start":172.065,"end":172.38501,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06719299405813217},{"word":"i've","start":172.38501,"end":172.545,"confidence":0.97216797,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.07708302140235901},{"word":"found","start":172.545,"end":172.865,"confidence":0.9892578,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.09732891619205476},{"word":"an","start":172.865,"end":173.02501,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09060726314783096},{"word":"insurer","start":173.02501,"end":173.505,"confidence":0.99121094,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":0.06762081384658813},{"word":"who","start":173.505,"end":173.74501,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.07799425721168518},{"word":"will","start":173.74501,"end":173.985,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.10260072350502014},{"word":"give","start":173.985,"end":174.225,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.07029721140861511},{"word":"you","start":174.225,"end":174.705,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0741610899567604},{"word":"income","start":174.705,"end":175.02501,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.04428863525390625},{"word":"protection","start":175.02501,"end":175.52501,"confidence":0.9975586,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.03793435916304588},{"word":"they","start":176.865,"end":177.10501,"confidence":0.7739258,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.04189417511224747},{"word":"were","start":177.10501,"end":177.345,"confidence":0.99902344,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.08726944029331207},{"word":"a","start":177.345,"end":177.425,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06206335872411728},{"word":"bit","start":177.425,"end":177.74501,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.10196727514266968},{"word":"iffy","start":177.74501,"end":178.24501,"confidence":0.9980469,"punctuated_word":"iffy","sentiment":"neutral","sentiment_score":-0.09599872678518297},{"word":"about","start":178.30501,"end":178.80501,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1616906225681305},{"word":"the","start":179.505,"end":179.905,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09068591147661208},{"word":"occupation","start":179.905,"end":180.38501,"confidence":1.0,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":-0.08170535415410995},{"word":"because","start":180.38501,"end":180.625,"confidence":0.8598633,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.10344545543193816},{"word":"you","start":180.625,"end":180.705,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07185617089271545},{"word":"do","start":180.705,"end":180.865,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06837841123342514},{"word":"a","start":180.865,"end":180.945,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.046807534992694855},{"word":"lot","start":180.945,"end":181.10501,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.02651042118668556},{"word":"of","start":181.10501,"end":181.265,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.050345104187726974},{"word":"working","start":181.265,"end":181.585,"confidence":0.9951172,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.08078223466873169},{"word":"from","start":181.585,"end":181.82501,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.032653991132974625},{"word":"home","start":181.82501,"end":182.32501,"confidence":0.9995117,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":-0.0587717741727829},{"word":"normally","start":184.05,"end":184.29001,"confidence":0.97998047,"punctuated_word":"Normally,","sentiment":"neutral","sentiment_score":0.04728902131319046},{"word":"it's","start":184.29001,"end":184.53001,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06983183324337006},{"word":"okay","start":184.53001,"end":184.85,"confidence":0.98339844,"punctuated_word":"okay,","sentiment":"neutral","sentiment_score":0.07469324767589569},{"word":"but","start":184.85,"end":185.09001,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08886110782623291},{"word":"they","start":185.09001,"end":185.17001,"confidence":0.9941406,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06037377938628197},{"word":"just","start":185.17001,"end":185.33,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05795462802052498},{"word":"wanted","start":185.33,"end":185.65001,"confidence":0.98828125,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.033881980925798416},{"word":"to","start":185.65001,"end":185.73001,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06436530500650406},{"word":"check","start":185.73001,"end":185.97,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.056484341621398926},{"word":"that","start":185.97,"end":186.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.025767527520656586},{"word":"you","start":186.13,"end":186.29001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.054903544485569},{"word":"do","start":186.29001,"end":186.53001,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05803481116890907},{"word":"actually","start":186.53001,"end":187.03001,"confidence":0.99609375,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.06617805361747742},{"word":"see","start":187.57,"end":188.07,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05861208587884903},{"word":"some","start":188.53001,"end":189.03001,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.047298938035964966},{"word":"clients","start":189.09001,"end":189.49,"confidence":0.9980469,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.03936640918254852},{"word":"at","start":189.49,"end":189.65001,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06746544688940048},{"word":"all","start":189.65001,"end":190.15001,"confidence":0.8347168,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.05575709789991379},{"word":"whether","start":190.45001,"end":190.69,"confidence":0.93115234,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.034955281764268875},{"word":"you","start":190.69,"end":190.77,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04780057817697525},{"word":"do","start":190.77,"end":191.01001,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02111644670367241},{"word":"leave","start":191.01001,"end":191.25,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.003984533250331879},{"word":"the","start":191.25,"end":191.41,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01188744232058525},{"word":"house","start":191.41,"end":191.65001,"confidence":1.0,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.01954008638858795},{"word":"to","start":191.65001,"end":191.81001,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004104916006326675},{"word":"talk","start":191.81001,"end":192.05,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.030709154903888702},{"word":"to","start":192.05,"end":192.21,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03496835380792618},{"word":"somebody","start":192.21,"end":192.71,"confidence":0.9890137,"punctuated_word":"somebody,","sentiment":"neutral","sentiment_score":0.04931672662496567},{"word":"go","start":193.09001,"end":193.33,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04486173763871193},{"word":"check-in","start":193.33,"end":193.73001,"confidence":0.99934894,"punctuated_word":"check-in","sentiment":"neutral","sentiment_score":0.04011158645153046},{"word":"with","start":193.73001,"end":193.89001,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.038722701370716095},{"word":"clients","start":193.89001,"end":194.21,"confidence":0.795166,"punctuated_word":"clients,","sentiment":"neutral","sentiment_score":0.04089036583900452},{"word":"and","start":194.21,"end":194.37001,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04261971265077591},{"word":"things","start":194.37001,"end":194.69,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.039727527648210526},{"word":"like","start":194.69,"end":194.85,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.01422729343175888},{"word":"that","start":194.85,"end":195.35,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.0410955622792244},{"word":"do","start":195.49,"end":195.65001,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.02905234694480896},{"word":"you","start":195.65001,"end":195.73001,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028249815106391907},{"word":"know","start":195.73001,"end":196.05,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.027643250301480293},{"word":"by","start":196.05,"end":196.29001,"confidence":0.6064453,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.02395755983889103},{"word":"any","start":196.29001,"end":196.53001,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03968968987464905},{"word":"chance","start":196.53001,"end":196.995,"confidence":0.920166,"punctuated_word":"chance,","sentiment":"neutral","sentiment_score":0.03704292327165603},{"word":"you","start":196.995,"end":197.075,"confidence":0.9301758,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02800675109028816},{"word":"know","start":197.075,"end":197.315,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03996456414461136},{"word":"when","start":197.315,"end":197.39499,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04922821372747421},{"word":"you","start":197.39499,"end":197.47499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05442637950181961},{"word":"go","start":197.47499,"end":197.715,"confidence":0.9633789,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.041892655193805695},{"word":"do","start":197.715,"end":197.955,"confidence":0.5620117,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06002844125032425},{"word":"your","start":197.955,"end":198.11499,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.053234875202178955},{"word":"tax","start":198.11499,"end":198.355,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.08611813932657242},{"word":"return","start":198.355,"end":198.855,"confidence":0.9675293,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.055877022445201874},{"word":"claim","start":198.995,"end":199.315,"confidence":0.9472656,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.05213785916566849},{"word":"a","start":199.315,"end":199.39499,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.038741253316402435},{"word":"bit","start":199.39499,"end":199.555,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.039189741015434265},{"word":"of","start":199.555,"end":199.635,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.017247572541236877},{"word":"travel","start":199.635,"end":199.955,"confidence":1.0,"punctuated_word":"travel","sentiment":"neutral","sentiment_score":-0.02738802880048752},{"word":"to","start":199.955,"end":200.03499,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05006585642695427},{"word":"go","start":200.03499,"end":200.275,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07412426918745041},{"word":"see","start":200.275,"end":200.435,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.057829007506370544},{"word":"some","start":200.435,"end":200.67499,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04325978830456734},{"word":"clients","start":200.67499,"end":200.995,"confidence":1.0,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.03996489942073822},{"word":"or","start":200.995,"end":201.155,"confidence":0.8984375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04738998785614967},{"word":"anything","start":201.155,"end":201.47499,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.048328697681427},{"word":"like","start":201.47499,"end":201.555,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.020585525780916217},{"word":"that","start":201.555,"end":202.055,"confidence":0.99194336,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.05927775427699089},{"word":"perfect","start":207.555,"end":208.055,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.39644524455070496},{"word":"easy","start":209.635,"end":210.03499,"confidence":0.9902344,"punctuated_word":"Easy","sentiment":"positive","sentiment_score":0.6518212556838989},{"word":"done","start":210.03499,"end":210.275,"confidence":0.98999023,"punctuated_word":"done.","sentiment":"positive","sentiment_score":0.49782657623291016},{"word":"so","start":210.275,"end":210.69,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.47549548745155334},{"word":"found","start":210.85,"end":211.09,"confidence":0.8618164,"punctuated_word":"found","sentiment":"positive","sentiment_score":0.6412192583084106},{"word":"a","start":211.09,"end":211.17,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5282571315765381},{"word":"beautiful","start":211.17,"end":211.67,"confidence":1.0,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.6603809595108032},{"word":"insurer","start":211.73,"end":212.21,"confidence":0.98095703,"punctuated_word":"insurer","sentiment":"positive","sentiment_score":0.5346666574478149},{"word":"that","start":212.21,"end":212.45,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.37057170271873474},{"word":"i'll","start":212.45,"end":212.61,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3791740834712982},{"word":"send","start":212.61,"end":212.85,"confidence":0.9980469,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.4632925987243652},{"word":"through","start":212.85,"end":213.09,"confidence":0.99902344,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.38888096809387207},{"word":"to","start":213.09,"end":213.17,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3242815434932709},{"word":"you","start":213.17,"end":213.25,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37345972657203674},{"word":"in","start":213.25,"end":213.41,"confidence":0.9970703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3600536286830902},{"word":"this","start":213.41,"end":213.57,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3877080976963043},{"word":"document","start":213.57,"end":213.97,"confidence":1.0,"punctuated_word":"document","sentiment":"positive","sentiment_score":0.36930611729621887},{"word":"as","start":213.97,"end":214.13,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3991551399230957},{"word":"well","start":214.13,"end":214.63,"confidence":0.99194336,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3634735345840454},{"word":"they","start":215.25,"end":215.49,"confidence":0.7680664,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.307245671749115},{"word":"are","start":215.49,"end":215.73,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.24058043956756592},{"word":"offering","start":215.73,"end":216.23,"confidence":1.0,"punctuated_word":"offering","sentiment":"neutral","sentiment_score":0.27743223309516907},{"word":"life","start":216.69,"end":217.19,"confidence":0.8154297,"punctuated_word":"life,","sentiment":"neutral","sentiment_score":0.3213210701942444},{"word":"tpd","start":217.33,"end":217.83,"confidence":0.8828125,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.3050558269023895},{"word":"and","start":218.29001,"end":218.61,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30307701230049133},{"word":"income","start":218.61,"end":219.01001,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.2614102363586426},{"word":"protection","start":219.01001,"end":219.49,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.2449956089258194},{"word":"for","start":219.49,"end":219.81,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2629336714744568},{"word":"under","start":219.81,"end":220.05,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.2559741139411926},{"word":"a","start":220.05,"end":220.13,"confidence":0.96533203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2366207242012024},{"word":"thousand","start":220.13,"end":220.45,"confidence":0.99902344,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.2437889277935028},{"word":"bucks","start":220.45,"end":220.77,"confidence":0.99902344,"punctuated_word":"bucks","sentiment":"neutral","sentiment_score":0.2538730204105377},{"word":"for","start":220.77,"end":220.93001,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2869851291179657},{"word":"all","start":220.93001,"end":221.09,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2406076937913895},{"word":"three","start":221.09,"end":221.59,"confidence":0.9890137,"punctuated_word":"three.","sentiment":"neutral","sentiment_score":0.26148390769958496},{"word":"so","start":222.93001,"end":223.17,"confidence":0.99609375,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5616854429244995},{"word":"that","start":223.17,"end":223.33,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.8061884641647339},{"word":"one's","start":223.33,"end":223.57,"confidence":0.9951172,"punctuated_word":"one's","sentiment":"positive","sentiment_score":0.7866656184196472},{"word":"looking","start":223.57,"end":223.89,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.8249306678771973},{"word":"really","start":223.89,"end":224.05,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.8605610728263855},{"word":"good","start":224.05,"end":224.29001,"confidence":0.9802246,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.772659957408905},{"word":"just","start":224.29001,"end":224.53,"confidence":0.9892578,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.30695828795433044},{"word":"needed","start":224.53,"end":224.77,"confidence":0.95410156,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.2727345824241638},{"word":"to","start":224.77,"end":224.93001,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32562997937202454},{"word":"check","start":224.93001,"end":225.09,"confidence":1.0,"punctuated_word":"check","sentiment":"positive","sentiment_score":0.382701963186264},{"word":"that","start":225.09,"end":225.25,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2697572112083435},{"word":"with","start":225.25,"end":225.41,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.24188515543937683},{"word":"you","start":225.41,"end":225.795,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13511699438095093},{"word":"the","start":226.915,"end":227.075,"confidence":0.97802734,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0036009028553962708},{"word":"only","start":227.075,"end":227.315,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.016674071550369263},{"word":"thing","start":227.315,"end":227.47499,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.006740666925907135},{"word":"was","start":227.47499,"end":227.715,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.01992633193731308},{"word":"i","start":227.715,"end":227.875,"confidence":0.9013672,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.040681228041648865},{"word":"was","start":227.875,"end":228.115,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.02994680404663086},{"word":"looking","start":228.115,"end":228.435,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.03207257390022278},{"word":"to","start":228.435,"end":228.515,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02436843514442444},{"word":"try","start":228.515,"end":228.675,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.04631345346570015},{"word":"and","start":228.675,"end":228.995,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02943144366145134},{"word":"replace","start":228.995,"end":229.495,"confidence":1.0,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":-0.0207723006606102},{"word":"the","start":229.635,"end":229.875,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.034947872161865234},{"word":"ali","start":229.875,"end":230.11499,"confidence":0.28833008,"punctuated_word":"Ali","sentiment":"neutral","sentiment_score":-0.03851153329014778},{"word":"insurance","start":230.11499,"end":230.595,"confidence":0.8442383,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.05616959556937218},{"word":"and","start":230.595,"end":230.755,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03872733935713768},{"word":"get","start":230.755,"end":230.915,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.020638544112443924},{"word":"the","start":230.915,"end":231.075,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0015128478407859802},{"word":"life","start":231.075,"end":231.395,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.03013688325881958},{"word":"insurance","start":231.395,"end":231.795,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.00301409512758255},{"word":"into","start":231.795,"end":232.11499,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.048809729516506195},{"word":"the","start":232.11499,"end":232.275,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05312304198741913},{"word":"super","start":232.275,"end":232.755,"confidence":0.7648926,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.07032633572816849},{"word":"but","start":232.755,"end":232.995,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.011596551164984705},{"word":"just","start":232.995,"end":233.235,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0013660304248332975},{"word":"because","start":233.235,"end":233.47499,"confidence":0.98095703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.008227594196796417},{"word":"it's","start":233.47499,"end":233.715,"confidence":0.99609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03824184089899063},{"word":"a","start":233.715,"end":233.795,"confidence":0.97509766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04358108341693878},{"word":"joint","start":233.795,"end":234.19499,"confidence":0.9980469,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.048661332577466965},{"word":"policy","start":234.19499,"end":234.595,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.07854574918746948},{"word":"and","start":234.595,"end":234.675,"confidence":0.91503906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06352614611387253},{"word":"you've","start":234.675,"end":234.915,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.06727602332830429},{"word":"got","start":234.915,"end":235.075,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10819776356220244},{"word":"that","start":235.075,"end":235.315,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11259779334068298},{"word":"trauma","start":235.315,"end":235.715,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.07281494140625},{"word":"benefit","start":235.715,"end":236.19499,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.14482352137565613},{"word":"there","start":236.19499,"end":236.69499,"confidence":0.99560547,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.05136694759130478},{"word":"i","start":236.83499,"end":236.995,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00349218025803566},{"word":"was","start":236.995,"end":237.315,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.007853619754314423},{"word":"just","start":237.315,"end":237.795,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.022856000810861588},{"word":"lumping","start":237.795,"end":238.275,"confidence":0.9995117,"punctuated_word":"lumping","sentiment":"neutral","sentiment_score":0.04677502065896988},{"word":"the","start":238.275,"end":238.435,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05308602750301361},{"word":"life","start":238.435,"end":238.675,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.02898189052939415},{"word":"and","start":238.675,"end":238.915,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.036457404494285583},{"word":"disability","start":238.915,"end":239.415,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.02339326962828636},{"word":"on","start":239.47499,"end":239.635,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07106030732393265},{"word":"top","start":239.635,"end":240.035,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.05253417789936066},{"word":"inside","start":240.035,"end":240.435,"confidence":0.98828125,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.14558428525924683},{"word":"the","start":240.435,"end":240.595,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14142584800720215},{"word":"super","start":240.595,"end":241.095,"confidence":0.9941406,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16090436279773712},{"word":"because","start":241.3,"end":241.54,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0543355867266655},{"word":"i","start":241.54,"end":241.62,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005978692322969437},{"word":"didn't","start":241.62,"end":241.94,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.0057631260715425014},{"word":"wanna","start":241.94,"end":242.18,"confidence":0.9550781,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.05853191018104553},{"word":"say","start":242.18,"end":242.42,"confidence":0.9885254,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.023175854235887527},{"word":"hey","start":242.42,"end":242.92,"confidence":0.89697266,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":-0.044708382338285446},{"word":"you","start":242.98,"end":243.22,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.0493629053235054},{"word":"go","start":243.22,"end":243.38,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.03142903745174408},{"word":"cancel","start":243.38,"end":243.86,"confidence":0.99902344,"punctuated_word":"cancel","sentiment":"neutral","sentiment_score":-0.07229149341583252},{"word":"your","start":243.86,"end":244.1,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.021466054022312164},{"word":"portion","start":244.1,"end":244.58,"confidence":0.7937012,"punctuated_word":"portion,","sentiment":"neutral","sentiment_score":-0.013259503990411758},{"word":"and","start":244.58,"end":244.81999,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.009479686617851256},{"word":"danielle","start":244.81999,"end":245.22,"confidence":0.5678711,"punctuated_word":"Danielle","sentiment":"neutral","sentiment_score":-0.0313301682472229},{"word":"is","start":245.22,"end":245.38,"confidence":0.9160156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01379726454615593},{"word":"on","start":245.38,"end":245.45999,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.014508567750453947},{"word":"there","start":245.45999,"end":245.7,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.052057672291994095},{"word":"as","start":245.7,"end":245.86,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04160349071025848},{"word":"well","start":245.86,"end":246.36,"confidence":0.9970703,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.02380118891596794},{"word":"just","start":246.5,"end":246.74,"confidence":0.9404297,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.010925810784101486},{"word":"wanted","start":246.74,"end":246.98,"confidence":0.98828125,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.04556262120604515},{"word":"to","start":246.98,"end":247.06,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03449521213769913},{"word":"actually","start":247.06,"end":247.3,"confidence":0.99609375,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.07902432978153229},{"word":"run","start":247.3,"end":247.54,"confidence":0.99902344,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.09940840303897858},{"word":"that","start":247.54,"end":247.7,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1291247457265854},{"word":"by","start":247.7,"end":247.94,"confidence":0.99609375,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.09574241936206818},{"word":"you","start":247.94,"end":248.1,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1642782837152481},{"word":"guys","start":248.1,"end":248.42,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.18166492879390717},{"word":"to","start":248.42,"end":248.58,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09585705399513245},{"word":"make","start":248.58,"end":248.74,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07661773264408112},{"word":"sure","start":248.74,"end":249.24,"confidence":0.8581543,"punctuated_word":"sure,","sentiment":"neutral","sentiment_score":0.10885056853294373},{"word":"one","start":250.02,"end":250.52,"confidence":0.99560547,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.13544371724128723},{"word":"still","start":250.74,"end":251.06,"confidence":0.59716797,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.13495804369449615},{"word":"wanna","start":251.06,"end":251.3,"confidence":0.98828125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1439211368560791},{"word":"keep","start":251.3,"end":251.45999,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.12566439807415009},{"word":"that","start":251.45999,"end":251.62,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13307645916938782},{"word":"one","start":251.62,"end":251.78,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.10810702294111252},{"word":"in","start":251.78,"end":251.94,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11794619262218475},{"word":"place","start":251.94,"end":252.26,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.1572909951210022},{"word":"for","start":252.26,"end":252.42,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14160501956939697},{"word":"the","start":252.42,"end":252.58,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0923820212483406},{"word":"trauma","start":252.58,"end":252.98,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.08391820639371872},{"word":"cover","start":252.98,"end":253.22,"confidence":0.98535156,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.12022899836301804},{"word":"and","start":253.22,"end":253.38,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12714682519435885},{"word":"everything","start":253.38,"end":253.88,"confidence":0.74572754,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.09141621738672256},{"word":"and","start":253.94,"end":254.1,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0708358958363533},{"word":"if","start":254.1,"end":254.34,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06490901112556458},{"word":"you're","start":254.34,"end":254.5,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04344690963625908},{"word":"okay","start":254.5,"end":254.81999,"confidence":0.99902344,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.138369619846344},{"word":"for","start":254.81999,"end":254.98,"confidence":0.9790039,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07039095461368561},{"word":"me","start":254.98,"end":255.06,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0580071322619915},{"word":"to","start":255.06,"end":255.22,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06877291202545166},{"word":"kind","start":255.22,"end":255.38,"confidence":0.9863281,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03754770755767822},{"word":"of","start":255.38,"end":255.54,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07683098316192627},{"word":"add","start":255.54,"end":255.7,"confidence":0.9375,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.07588743418455124},{"word":"a","start":255.7,"end":255.78,"confidence":0.9223633,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.053270384669303894},{"word":"bit","start":255.78,"end":256.155,"confidence":0.9770508,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.029234804213047028},{"word":"extra","start":256.155,"end":256.305,"confidence":0.9375,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.05925584211945534},{"word":"on","start":256.305,"end":256.555,"confidence":0.98291016,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07450540363788605},{"word":"through","start":256.555,"end":257.055,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07135793566703796},{"word":"super","start":265.51498,"end":266.01498,"confidence":0.7841797,"punctuated_word":"super.","sentiment":"negative","sentiment_score":-0.3697715401649475},{"word":"yeah","start":295.885,"end":296.1,"confidence":0.97021484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.025496751070022583},{"word":"yeah","start":329.41,"end":329.91,"confidence":0.84936523,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05650517717003822},{"word":"the","start":336.865,"end":337.025,"confidence":0.9921875,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.001978933811187744},{"word":"breadwinner","start":337.025,"end":337.525,"confidence":0.94124347,"punctuated_word":"breadwinner,","sentiment":"neutral","sentiment_score":0.05016107112169266},{"word":"so","start":337.66498,"end":337.82498,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.015506848692893982},{"word":"to","start":337.82498,"end":337.985,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015212778002023695},{"word":"speak","start":337.985,"end":338.485,"confidence":0.9279785,"punctuated_word":"speak.","sentiment":"neutral","sentiment_score":0.009768325835466383},{"word":"yeah","start":349.68,"end":350.18,"confidence":0.98339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07248455286026001},{"word":"yep","start":361.69498,"end":362.19498,"confidence":0.89697266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16178517043590546},{"word":"yep","start":384.205,"end":384.525,"confidence":0.8249512,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09206646680831908},{"word":"no","start":384.525,"end":384.76498,"confidence":0.9819336,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.003811635076999664},{"word":"it","start":384.76498,"end":384.925,"confidence":0.9902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.15710915625095367},{"word":"makes","start":384.925,"end":385.16498,"confidence":0.99902344,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.31620198488235474},{"word":"perfect","start":385.16498,"end":385.56497,"confidence":1.0,"punctuated_word":"perfect","sentiment":"positive","sentiment_score":0.33528608083724976},{"word":"sense","start":385.56497,"end":385.805,"confidence":1.0,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.18671225011348724},{"word":"to","start":385.805,"end":385.965,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2834702432155609},{"word":"me","start":385.965,"end":386.465,"confidence":0.9692383,"punctuated_word":"me.","sentiment":"positive","sentiment_score":0.3520483374595642},{"word":"based","start":386.925,"end":387.245,"confidence":0.5385742,"punctuated_word":"Based","sentiment":"neutral","sentiment_score":0.2580162286758423},{"word":"on","start":387.245,"end":387.745,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3609172701835632},{"word":"my","start":387.805,"end":388.125,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.3482677936553955},{"word":"research","start":388.125,"end":388.625,"confidence":1.0,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.3514174222946167},{"word":"so","start":388.685,"end":388.925,"confidence":0.9951172,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.39076101779937744},{"word":"far","start":388.925,"end":389.425,"confidence":0.9951172,"punctuated_word":"far,","sentiment":"positive","sentiment_score":0.36880382895469666},{"word":"like","start":389.485,"end":389.72498,"confidence":0.986084,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.3533006012439728},{"word":"i've","start":389.72498,"end":389.88498,"confidence":0.9536133,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.5076504945755005},{"word":"found","start":389.88498,"end":390.205,"confidence":1.0,"punctuated_word":"found","sentiment":"positive","sentiment_score":0.480146586894989},{"word":"really","start":390.205,"end":390.365,"confidence":0.9970703,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5832322835922241},{"word":"good","start":390.365,"end":390.525,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4865849614143371},{"word":"deals","start":390.525,"end":390.76498,"confidence":1.0,"punctuated_word":"deals","sentiment":"positive","sentiment_score":0.5388893485069275},{"word":"when","start":390.76498,"end":390.925,"confidence":0.99121094,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.4878955781459808},{"word":"it","start":390.925,"end":391.00497,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.42427247762680054},{"word":"comes","start":391.00497,"end":391.245,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.29877015948295593},{"word":"to","start":391.245,"end":391.32498,"confidence":0.91552734,"punctuated_word":"to,","sentiment":"positive","sentiment_score":0.3557659685611725},{"word":"like","start":391.32498,"end":391.485,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.26839762926101685},{"word":"the","start":391.485,"end":391.645,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4209043383598328},{"word":"life","start":391.645,"end":391.88498,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.2108115553855896},{"word":"insurance","start":391.88498,"end":392.365,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.28548234701156616},{"word":"portion","start":392.365,"end":392.685,"confidence":1.0,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.28841137886047363},{"word":"of","start":392.685,"end":392.84497,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4374670088291168},{"word":"it","start":392.84497,"end":393.245,"confidence":0.9916992,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.31235259771347046},{"word":"it's","start":393.245,"end":393.485,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.17683929204940796},{"word":"really","start":393.485,"end":393.72498,"confidence":0.9970703,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.004113420844078064},{"word":"just","start":393.72498,"end":394.08,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0126485675573349},{"word":"trauma","start":394.15997,"end":394.36,"confidence":0.99609375,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.076180100440979},{"word":"side","start":394.36,"end":394.56,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.0417160838842392},{"word":"of","start":394.56,"end":394.8,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03737756609916687},{"word":"things","start":394.8,"end":395.19998,"confidence":0.97314453,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.020521588623523712},{"word":"so","start":395.19998,"end":395.59998,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14987030625343323},{"word":"what","start":395.59998,"end":395.84,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.22548121213912964},{"word":"i'll","start":395.84,"end":396.0,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.23255030810832977},{"word":"do","start":396.0,"end":396.5,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2893056571483612},{"word":"is","start":396.72,"end":396.96,"confidence":0.9707031,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2671273946762085},{"word":"i'll","start":396.96,"end":397.03998,"confidence":0.9970703,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.298264741897583},{"word":"do","start":397.03998,"end":397.28,"confidence":0.98535156,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.32653528451919556},{"word":"up","start":397.28,"end":397.36,"confidence":0.8833008,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.24423882365226743},{"word":"a","start":397.36,"end":397.43997,"confidence":0.89208984,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31061267852783203},{"word":"quote","start":397.43997,"end":397.68,"confidence":1.0,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.19327476620674133},{"word":"for","start":397.68,"end":397.91998,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.231732115149498},{"word":"trauma","start":397.91998,"end":398.31998,"confidence":0.97998047,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.0919274389743805},{"word":"insurance","start":398.31998,"end":398.8,"confidence":0.9980469,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.1897368431091309},{"word":"too","start":398.8,"end":399.03998,"confidence":0.9550781,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.32227861881256104},{"word":"to","start":399.03998,"end":399.19998,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2909232974052429},{"word":"see","start":399.19998,"end":399.36,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2862766981124878},{"word":"if","start":399.36,"end":399.43997,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3036251664161682},{"word":"it","start":399.43997,"end":399.59998,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.30184322595596313},{"word":"is","start":399.59998,"end":399.84,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2442190945148468},{"word":"worth","start":399.84,"end":400.34,"confidence":0.9980469,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.20471960306167605},{"word":"popping","start":400.56,"end":400.87997,"confidence":0.51171875,"punctuated_word":"popping","sentiment":"neutral","sentiment_score":0.2583387494087219},{"word":"off","start":400.87997,"end":401.03998,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.24256137013435364},{"word":"of","start":401.03998,"end":401.19998,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28132474422454834},{"word":"there","start":401.19998,"end":401.69998,"confidence":0.8996582,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2146580070257187},{"word":"and","start":401.75998,"end":401.91998,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1399952471256256},{"word":"then","start":401.91998,"end":402.24,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1341329663991928},{"word":"if","start":402.24,"end":402.47998,"confidence":0.9770508,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06116720288991928},{"word":"not","start":402.47998,"end":402.63998,"confidence":0.9995117,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":0.03565213456749916},{"word":"you","start":402.63998,"end":402.8,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012591913342475893},{"word":"may","start":402.8,"end":403.03998,"confidence":0.99609375,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.02685400098562241},{"word":"wanna","start":403.03998,"end":403.36,"confidence":0.890625,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.023285359144210815},{"word":"keep","start":403.36,"end":403.52,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.0012430548667907717},{"word":"it","start":403.52,"end":403.84,"confidence":0.9379883,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.04468941316008568},{"word":"but","start":403.84,"end":404.08,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0662907063961029},{"word":"i'll","start":404.08,"end":404.24,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0948234349489212},{"word":"just","start":404.24,"end":404.47998,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10510950535535812},{"word":"get","start":404.47998,"end":404.56,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12624001502990723},{"word":"the","start":404.56,"end":404.71997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13335001468658447},{"word":"other","start":404.71997,"end":404.87997,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0542568638920784},{"word":"covers","start":404.87997,"end":405.28,"confidence":0.9980469,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.08003491908311844},{"word":"through","start":405.28,"end":405.43997,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1296553909778595},{"word":"the","start":405.43997,"end":405.68,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12380219995975494},{"word":"super","start":405.68,"end":406.18,"confidence":0.9562988,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.13869014382362366},{"word":"when","start":408.08,"end":408.31998,"confidence":0.8745117,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.09624755382537842},{"word":"it","start":408.31998,"end":408.4,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07908596098423004},{"word":"comes","start":408.4,"end":408.63998,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.06183057278394699},{"word":"to","start":408.63998,"end":408.8,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06649494171142578},{"word":"the","start":408.8,"end":408.87997,"confidence":0.9404297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07268349826335907},{"word":"income","start":408.87997,"end":409.12,"confidence":0.9892578,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06304089725017548},{"word":"protection","start":409.12,"end":409.43997,"confidence":0.9980469,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.05567215383052826},{"word":"just","start":409.43997,"end":409.755,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.015018738806247711},{"word":"bear","start":409.755,"end":409.915,"confidence":0.99902344,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":0.023419924080371857},{"word":"in","start":409.915,"end":410.075,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03144382685422897},{"word":"mind","start":410.075,"end":410.575,"confidence":0.95581055,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.08201594650745392},{"word":"i","start":410.635,"end":410.715,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09940854460000992},{"word":"think","start":410.715,"end":410.95502,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.08559322357177734},{"word":"we","start":410.95502,"end":411.115,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06924035400152206},{"word":"were","start":411.115,"end":411.355,"confidence":0.99316406,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.12091223895549774},{"word":"quoting","start":411.355,"end":411.67502,"confidence":1.0,"punctuated_word":"quoting","sentiment":"neutral","sentiment_score":0.14321176707744598},{"word":"it","start":411.67502,"end":411.915,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08734656870365143},{"word":"for","start":411.915,"end":412.075,"confidence":0.87353516,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.10730068385601044},{"word":"like","start":412.075,"end":412.575,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10784690082073212},{"word":"a","start":413.515,"end":413.67502,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15218281745910645},{"word":"a","start":413.67502,"end":413.755,"confidence":0.6567383,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15834635496139526},{"word":"ninety","start":413.755,"end":413.995,"confidence":0.9760742,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.11054304242134094},{"word":"day","start":413.995,"end":414.315,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.12010691314935684},{"word":"waiting","start":414.315,"end":414.635,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.10660889744758606},{"word":"period","start":414.635,"end":415.035,"confidence":0.9941406,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.0956629514694214},{"word":"i","start":415.035,"end":415.275,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1911161243915558},{"word":"believe","start":415.275,"end":415.775,"confidence":0.9667969,"punctuated_word":"believe,","sentiment":"neutral","sentiment_score":0.1376376748085022},{"word":"just","start":416.075,"end":416.315,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14156201481819153},{"word":"to","start":416.315,"end":416.475,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10294251888990402},{"word":"make","start":416.475,"end":416.635,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12725171446800232},{"word":"sure","start":416.635,"end":416.875,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1678837239742279},{"word":"that","start":416.875,"end":417.115,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19463706016540527},{"word":"it's","start":417.115,"end":417.275,"confidence":0.99316406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1711726039648056},{"word":"the","start":417.355,"end":417.515,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2025851160287857},{"word":"premiums","start":417.515,"end":417.915,"confidence":0.99121094,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.21136988699436188},{"word":"are","start":417.915,"end":418.075,"confidence":0.9941406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.22122889757156372},{"word":"low","start":418.075,"end":418.39502,"confidence":0.9248047,"punctuated_word":"low.","sentiment":"neutral","sentiment_score":0.14893364906311035},{"word":"and","start":418.39502,"end":418.635,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.005927644670009613},{"word":"if","start":418.635,"end":418.795,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.13965117931365967},{"word":"you're","start":418.795,"end":418.95502,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1996835321187973},{"word":"out","start":418.95502,"end":419.115,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.2402034103870392},{"word":"of","start":419.115,"end":419.275,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3574652671813965},{"word":"work","start":419.275,"end":419.435,"confidence":1.0,"punctuated_word":"work","sentiment":"negative","sentiment_score":-0.41073301434516907},{"word":"for","start":419.435,"end":419.595,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2953578233718872},{"word":"a","start":419.595,"end":419.67502,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2192748785018921},{"word":"few","start":419.67502,"end":419.915,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.26443910598754883},{"word":"months","start":419.915,"end":420.155,"confidence":0.9995117,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.13541170954704285},{"word":"it'll","start":420.155,"end":420.475,"confidence":0.9802246,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.048774123191833496},{"word":"kick","start":420.475,"end":420.715,"confidence":1.0,"punctuated_word":"kick","sentiment":"neutral","sentiment_score":-0.053962886333465576},{"word":"in","start":420.715,"end":421.215,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07828990370035172},{"word":"monthly","start":421.355,"end":421.835,"confidence":0.99902344,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":-0.0994134321808815},{"word":"for","start":421.835,"end":422.075,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.14934393763542175},{"word":"quite","start":422.075,"end":422.315,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.09222139418125153},{"word":"a","start":422.315,"end":422.475,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04824450612068176},{"word":"while","start":422.475,"end":422.91,"confidence":0.9724121,"punctuated_word":"while.","sentiment":"neutral","sentiment_score":-0.06777709722518921},{"word":"because","start":424.11002,"end":424.35,"confidence":0.97314453,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.02342229336500168},{"word":"it","start":424.35,"end":424.59,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.035579342395067215},{"word":"has","start":424.59,"end":424.75,"confidence":0.99609375,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.03091572597622871},{"word":"come","start":424.75,"end":424.91,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.027266215533018112},{"word":"to","start":424.91,"end":424.99,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.059454016387462616},{"word":"under","start":424.99,"end":425.15,"confidence":0.9604492,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.1051865741610527},{"word":"1,000","start":425.15,"end":425.63,"confidence":0.99121094,"punctuated_word":"1,000,","sentiment":"neutral","sentiment_score":0.0324544832110405},{"word":"do","start":425.63,"end":425.79,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.00379243865609169},{"word":"you","start":425.79,"end":425.95,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015416227281093596},{"word":"want","start":425.95,"end":426.11002,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.001507394015789032},{"word":"me","start":426.11002,"end":426.27,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.032489098608493805},{"word":"to","start":426.27,"end":426.35,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02151419967412949},{"word":"look","start":426.35,"end":426.51,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.021487988531589508},{"word":"at","start":426.51,"end":426.67,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01348394900560379},{"word":"something","start":426.67,"end":426.99,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.015975844115018845},{"word":"more","start":426.99,"end":427.15,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.008108612149953842},{"word":"like","start":427.15,"end":427.31,"confidence":0.9741211,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.002709627151489258},{"word":"a","start":427.31,"end":427.47,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.035065747797489166},{"word":"thirty","start":427.47,"end":427.79,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.02847026288509369},{"word":"day","start":427.79,"end":428.03,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.01763627678155899},{"word":"waiting","start":428.03,"end":428.27,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.023245755583047867},{"word":"period","start":428.27,"end":428.51,"confidence":0.92529297,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":-0.013158665969967842},{"word":"or","start":428.51,"end":428.75,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.022577203810214996},{"word":"do","start":428.75,"end":428.83002,"confidence":0.96240234,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03488444909453392},{"word":"you","start":428.83002,"end":428.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0008330643177032471},{"word":"still","start":428.91,"end":429.15,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.004629708826541901},{"word":"have","start":429.15,"end":429.39,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.004182714968919754},{"word":"the","start":429.39,"end":429.71,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014812052249908447},{"word":"the","start":429.71,"end":429.95,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028340280055999756},{"word":"financial","start":429.95,"end":430.43,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.03249426186084747},{"word":"backing","start":430.43,"end":430.83002,"confidence":0.99609375,"punctuated_word":"backing","sentiment":"neutral","sentiment_score":0.025531105697155},{"word":"to","start":430.83002,"end":430.99,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03351924195885658},{"word":"to","start":430.99,"end":431.15,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03024005889892578},{"word":"last","start":431.15,"end":431.47,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.025325097143650055},{"word":"a","start":431.47,"end":431.55,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04173612594604492},{"word":"couple","start":431.55,"end":431.79,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.021899327635765076},{"word":"of","start":431.79,"end":431.95,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029224775731563568},{"word":"months","start":431.95,"end":432.45,"confidence":0.99902344,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":0.04442812874913216},{"word":"yep","start":442.565,"end":442.965,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.48793110251426697},{"word":"easy","start":442.965,"end":443.445,"confidence":0.98095703,"punctuated_word":"Easy","sentiment":"positive","sentiment_score":0.699851393699646},{"word":"done","start":443.445,"end":443.945,"confidence":0.98413086,"punctuated_word":"done.","sentiment":"positive","sentiment_score":0.5883382558822632},{"word":"and","start":444.085,"end":444.485,"confidence":0.81152344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19003847241401672},{"word":"the","start":444.485,"end":444.645,"confidence":0.5966797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10426856577396391},{"word":"my","start":444.725,"end":444.88498,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.02423736453056335},{"word":"hesitancy","start":444.88498,"end":445.38498,"confidence":1.0,"punctuated_word":"hesitancy","sentiment":"neutral","sentiment_score":-0.10773219913244247},{"word":"initially","start":445.60498,"end":446.10498,"confidence":0.9091797,"punctuated_word":"initially","sentiment":"neutral","sentiment_score":-0.1689632534980774},{"word":"was","start":446.16498,"end":446.485,"confidence":0.9941406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1360284984111786},{"word":"because","start":446.485,"end":446.725,"confidence":0.9316406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.10271333158016203},{"word":"of","start":446.725,"end":446.88498,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13807335495948792},{"word":"the","start":446.88498,"end":447.365,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08600959926843643},{"word":"you","start":447.525,"end":447.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11714784801006316},{"word":"don't","start":447.685,"end":447.925,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.11274304240942},{"word":"have","start":447.925,"end":448.32498,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.14881891012191772},{"word":"contributions","start":448.32498,"end":448.82498,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.1701602339744568},{"word":"coming","start":449.04498,"end":449.285,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.1121828705072403},{"word":"in","start":449.285,"end":449.525,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04641085118055344},{"word":"from","start":449.525,"end":449.685,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.07028699666261673},{"word":"all","start":449.685,"end":449.925,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.07136595249176025},{"word":"the","start":449.925,"end":450.085,"confidence":0.9589844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10280294716358183},{"word":"different","start":450.085,"end":450.585,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.07806436717510223},{"word":"sources","start":450.91998,"end":451.32,"confidence":0.9970703,"punctuated_word":"sources","sentiment":"neutral","sentiment_score":-0.05460744351148605},{"word":"of","start":451.32,"end":451.4,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09990514069795609},{"word":"income","start":451.4,"end":451.9,"confidence":0.76000977,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.13645562529563904},{"word":"i","start":452.12,"end":452.36,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15067517757415771},{"word":"didn't","start":452.36,"end":452.52,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.1624751091003418},{"word":"want","start":452.52,"end":452.76,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.27188602089881897},{"word":"too","start":452.76,"end":452.91998,"confidence":0.9980469,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.20806553959846497},{"word":"much","start":452.91998,"end":453.16,"confidence":0.99902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.24407730996608737},{"word":"premiums","start":453.16,"end":453.66,"confidence":0.9580078,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":-0.3244609534740448},{"word":"dragging","start":453.72,"end":454.04,"confidence":0.9428711,"punctuated_word":"dragging","sentiment":"neutral","sentiment_score":-0.31325238943099976},{"word":"the","start":454.04,"end":454.19998,"confidence":0.8935547,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.35305139422416687},{"word":"super","start":454.19998,"end":454.52,"confidence":0.9921875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.32072722911834717},{"word":"backwards","start":454.52,"end":455.02,"confidence":0.8640137,"punctuated_word":"backwards.","sentiment":"neutral","sentiment_score":-0.26087671518325806},{"word":"but","start":455.08,"end":455.32,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02075052261352539},{"word":"if","start":455.32,"end":455.48,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2551312744617462},{"word":"you","start":455.48,"end":455.56,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25249648094177246},{"word":"can","start":455.56,"end":455.8,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.29306256771087646},{"word":"maintain","start":455.8,"end":456.3,"confidence":0.9980469,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.2867741584777832},{"word":"that","start":456.44,"end":456.84,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.38139957189559937},{"word":"contributions","start":456.84,"end":457.34,"confidence":0.91259766,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.2908776104450226},{"word":"that","start":457.4,"end":457.63998,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.47151899337768555},{"word":"you're","start":457.63998,"end":457.8,"confidence":1.0,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4228774011135102},{"word":"doing","start":457.8,"end":458.19998,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.4101040363311768},{"word":"now","start":458.19998,"end":458.69998,"confidence":0.98999023,"punctuated_word":"now,","sentiment":"positive","sentiment_score":0.3357636332511902},{"word":"that","start":458.84,"end":459.08,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3457661271095276},{"word":"changes","start":459.08,"end":459.58,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.31388160586357117},{"word":"the","start":459.63998,"end":460.04,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3157326281070709},{"word":"the","start":460.04,"end":460.19998,"confidence":0.8496094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2973581552505493},{"word":"conversation","start":460.19998,"end":460.69998,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.282094806432724},{"word":"completely","start":460.84,"end":461.34,"confidence":0.7553711,"punctuated_word":"completely,","sentiment":"positive","sentiment_score":0.36659812927246094},{"word":"and","start":461.47998,"end":461.72,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32636430859565735},{"word":"i","start":461.72,"end":461.88,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.301433265209198},{"word":"can","start":461.88,"end":462.12,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2995954751968384},{"word":"base","start":462.12,"end":462.36,"confidence":0.9980469,"punctuated_word":"base","sentiment":"positive","sentiment_score":0.38561657071113586},{"word":"it","start":462.36,"end":462.44,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3465517461299896},{"word":"off","start":462.44,"end":462.68,"confidence":0.99902344,"punctuated_word":"off","sentiment":"positive","sentiment_score":0.33773261308670044},{"word":"of","start":462.68,"end":462.76,"confidence":0.91503906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.33131763339042664},{"word":"an","start":462.76,"end":463.08,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.3263227939605713},{"word":"affordability","start":463.08,"end":463.58,"confidence":1.0,"punctuated_word":"affordability","sentiment":"neutral","sentiment_score":0.24264562129974365},{"word":"metric","start":463.88,"end":464.36,"confidence":0.99902344,"punctuated_word":"metric","sentiment":"neutral","sentiment_score":0.2252730131149292},{"word":"to","start":464.36,"end":464.52,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1738208532333374},{"word":"say","start":464.52,"end":464.955,"confidence":0.99609375,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.15817885100841522},{"word":"as","start":465.03497,"end":465.115,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.26739317178726196},{"word":"long","start":465.115,"end":465.35498,"confidence":0.99121094,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.3122776448726654},{"word":"as","start":465.35498,"end":465.435,"confidence":0.9902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.288849413394928},{"word":"premiums","start":465.435,"end":465.835,"confidence":0.9970703,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.20536288619041443},{"word":"are","start":465.835,"end":465.91498,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14345234632492063},{"word":"below","start":465.91498,"end":466.235,"confidence":0.93603516,"punctuated_word":"below,","sentiment":"neutral","sentiment_score":0.19661344587802887},{"word":"say","start":466.235,"end":466.47498,"confidence":0.9794922,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.17573346197605133},{"word":"30%","start":466.47498,"end":467.29498,"confidence":1.0,"punctuated_word":"30%","sentiment":"neutral","sentiment_score":0.3271002173423767},{"word":"of","start":467.51498,"end":467.675,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26883941888809204},{"word":"your","start":467.675,"end":467.91498,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.26892542839050293},{"word":"contributions","start":467.91498,"end":468.41498,"confidence":0.9863281,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.2241492122411728},{"word":"we'll","start":468.955,"end":469.19498,"confidence":0.9880371,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2921845316886902},{"word":"consider","start":469.19498,"end":469.595,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.2603953182697296},{"word":"that","start":469.595,"end":469.835,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31384599208831787},{"word":"as","start":469.835,"end":469.995,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2449066936969757},{"word":"affordable","start":469.995,"end":470.495,"confidence":1.0,"punctuated_word":"affordable","sentiment":"neutral","sentiment_score":0.18943408131599423},{"word":"in","start":470.875,"end":471.03497,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21550163626670835},{"word":"the","start":471.03497,"end":471.19498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19298377633094788},{"word":"projections","start":471.19498,"end":471.69498,"confidence":0.99853516,"punctuated_word":"projections.","sentiment":"neutral","sentiment_score":0.10874062031507492},{"word":"mhmm","start":484.65,"end":485.15,"confidence":0.9572754,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0729411244392395},{"word":"yep","start":491.21,"end":491.475,"confidence":0.9279785,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21324411034584043},{"word":"mhmm","start":499.475,"end":499.975,"confidence":0.9835205,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.14630180597305298},{"word":"yep","start":502.835,"end":503.23502,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2864418029785156},{"word":"absolutely","start":503.23502,"end":503.73502,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.4345109462738037},{"word":"so","start":503.875,"end":504.035,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3006117343902588},{"word":"i'll","start":504.035,"end":504.195,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.3117022216320038},{"word":"keep","start":504.195,"end":504.355,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.3095579743385315},{"word":"an","start":504.355,"end":504.515,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2877902686595917},{"word":"eye","start":504.515,"end":504.67502,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.2195420265197754},{"word":"on","start":504.67502,"end":504.755,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2560473382472992},{"word":"that","start":504.755,"end":504.915,"confidence":0.86279297,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.2888026833534241},{"word":"and","start":504.915,"end":504.995,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31223374605178833},{"word":"i'll","start":504.995,"end":505.155,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.3031911253929138},{"word":"put","start":505.155,"end":505.315,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2772016227245331},{"word":"that","start":505.315,"end":505.475,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23794490098953247},{"word":"together","start":505.475,"end":505.975,"confidence":0.9941406,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.2870074510574341},{"word":"and","start":506.52002,"end":506.68002,"confidence":0.9580078,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13623179495334625},{"word":"like","start":506.68002,"end":506.92,"confidence":0.9326172,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1391678899526596},{"word":"i","start":506.92,"end":507.0,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12994468212127686},{"word":"said","start":507.0,"end":507.32,"confidence":0.99902344,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.14849981665611267},{"word":"i'll","start":507.32,"end":507.48,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15727293491363523},{"word":"get","start":507.48,"end":507.72,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.18954205513000488},{"word":"the","start":507.72,"end":507.88,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17492467164993286},{"word":"team","start":507.88,"end":508.12,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.15012869238853457},{"word":"to","start":508.12,"end":508.28,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2165272831916809},{"word":"do","start":508.28,"end":508.6,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20277611911296844},{"word":"the","start":508.6,"end":508.92,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18188220262527463},{"word":"forms","start":508.92,"end":509.42,"confidence":0.99902344,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.11958133429288864},{"word":"for","start":509.48,"end":509.56,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18406641483306885},{"word":"the","start":509.56,"end":509.80002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16194504499435425},{"word":"claiming","start":509.80002,"end":510.2,"confidence":0.9921875,"punctuated_word":"claiming","sentiment":"neutral","sentiment_score":0.2363239824771881},{"word":"of","start":510.2,"end":510.28,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24422094225883484},{"word":"the","start":510.28,"end":510.52002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20277006924152377},{"word":"contributions","start":510.52002,"end":511.02002,"confidence":0.9880371,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.19342756271362305},{"word":"just","start":511.48,"end":511.80002,"confidence":1.0,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.1485271155834198},{"word":"make","start":511.80002,"end":512.04004,"confidence":0.9951172,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10526226460933684},{"word":"sure","start":512.04004,"end":512.36,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.11601360887289049},{"word":"that","start":512.36,"end":512.60004,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1301720291376114},{"word":"you","start":512.60004,"end":512.84,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12121321260929108},{"word":"get","start":512.84,"end":513.16003,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11828839033842088},{"word":"the","start":513.16003,"end":513.66003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10608323663473128},{"word":"confirmation","start":514.12,"end":514.62,"confidence":1.0,"punctuated_word":"confirmation","sentiment":"neutral","sentiment_score":0.09658372402191162},{"word":"letter","start":514.68,"end":515.08,"confidence":0.9980469,"punctuated_word":"letter","sentiment":"neutral","sentiment_score":0.05862397700548172},{"word":"before","start":515.08,"end":515.32,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.05768996477127075},{"word":"you","start":515.32,"end":515.48,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.047793321311473846},{"word":"submit","start":515.48,"end":515.8,"confidence":1.0,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":0.04387097805738449},{"word":"your","start":515.8,"end":516.04004,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06973253190517426},{"word":"tax","start":516.04004,"end":516.2,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.11439593881368636},{"word":"return","start":516.2,"end":516.7,"confidence":0.9904785,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.07912847399711609},{"word":"otherwise","start":518.36,"end":518.76,"confidence":0.99609375,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":-0.28703147172927856},{"word":"they","start":518.76,"end":519.0,"confidence":1.0,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.44660019874572754},{"word":"they","start":519.0,"end":519.16003,"confidence":0.9873047,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.4665652215480805},{"word":"lock","start":519.16003,"end":519.4,"confidence":0.9941406,"punctuated_word":"lock","sentiment":"negative","sentiment_score":-0.4616856276988983},{"word":"you","start":519.4,"end":519.48,"confidence":0.9970703,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.44997891783714294},{"word":"out","start":519.48,"end":519.675,"confidence":0.9753418,"punctuated_word":"out.","sentiment":"negative","sentiment_score":-0.34339508414268494},{"word":"that's","start":519.675,"end":519.915,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.10928872227668762},{"word":"all","start":519.915,"end":520.415,"confidence":0.9980469,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.03367758169770241},{"word":"cool","start":522.15497,"end":522.635,"confidence":0.96777344,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4498973488807678},{"word":"so","start":522.635,"end":522.875,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.257818341255188},{"word":"i'll","start":522.875,"end":523.035,"confidence":0.9836426,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2412091493606567},{"word":"sort","start":523.035,"end":523.27496,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12162721157073976},{"word":"that","start":523.27496,"end":523.355,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16603660583496094},{"word":"out","start":523.355,"end":523.595,"confidence":0.99609375,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.011105072684586048},{"word":"the","start":523.595,"end":523.755,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.01594727486371994},{"word":"only","start":523.755,"end":523.915,"confidence":0.98828125,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.08965322375297546},{"word":"other","start":523.915,"end":524.075,"confidence":0.9921875,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.04512873291969299},{"word":"thing","start":524.075,"end":524.235,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.03763767331838608},{"word":"when","start":524.235,"end":524.355,"confidence":0.50683594,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.054770179092884064},{"word":"it","start":524.355,"end":524.475,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.027621041983366013},{"word":"comes","start":524.475,"end":524.71497,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.008290927857160568},{"word":"to","start":524.71497,"end":525.035,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03351705148816109},{"word":"the","start":525.035,"end":525.27496,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03341146185994148},{"word":"ali","start":525.27496,"end":525.595,"confidence":0.42211914,"punctuated_word":"Ali","sentiment":"neutral","sentiment_score":-0.023199252784252167},{"word":"insurance","start":525.595,"end":525.915,"confidence":0.41625977,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.04764164611697197},{"word":"is","start":525.915,"end":526.415,"confidence":0.97802734,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.015803268179297447},{"word":"they've","start":527.195,"end":527.435,"confidence":0.8952637,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.10033614933490752},{"word":"been","start":527.435,"end":527.595,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1380246877670288},{"word":"sending","start":527.595,"end":528.075,"confidence":1.0,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":-0.10770407319068909},{"word":"through","start":528.075,"end":528.555,"confidence":0.9951172,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.11267483234405518},{"word":"statements","start":528.555,"end":529.035,"confidence":0.99902344,"punctuated_word":"statements","sentiment":"neutral","sentiment_score":-0.1326795518398285},{"word":"to","start":529.035,"end":529.27496,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0963037759065628},{"word":"us","start":529.27496,"end":529.77496,"confidence":0.7548828,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":-0.08577883243560791},{"word":"but","start":529.83496,"end":530.075,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.12195739150047302},{"word":"redacting","start":530.075,"end":530.575,"confidence":0.99853516,"punctuated_word":"redacting","sentiment":"neutral","sentiment_score":-0.1282915323972702},{"word":"each","start":530.635,"end":530.875,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.12932848930358887},{"word":"other's","start":530.875,"end":531.195,"confidence":0.9980469,"punctuated_word":"other's","sentiment":"neutral","sentiment_score":-0.12669837474822998},{"word":"details","start":531.195,"end":531.695,"confidence":0.99609375,"punctuated_word":"details.","sentiment":"neutral","sentiment_score":-0.1608572006225586},{"word":"so","start":532.66003,"end":532.9,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.018850889056921005},{"word":"we","start":532.9,"end":533.14,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.00794723629951477},{"word":"got","start":533.14,"end":533.38,"confidence":0.9951172,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0025910064578056335},{"word":"one","start":533.38,"end":533.62006,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0027218908071517944},{"word":"for","start":533.62006,"end":533.86005,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0025891028344631195},{"word":"daniella","start":533.86005,"end":534.34,"confidence":0.9154053,"punctuated_word":"Daniella,","sentiment":"neutral","sentiment_score":-0.0018632722785696387},{"word":"but","start":534.34,"end":534.5,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.01502303034067154},{"word":"it's","start":534.5,"end":534.66003,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06410729885101318},{"word":"got","start":534.66003,"end":534.82,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.10886328667402267},{"word":"all","start":534.82,"end":534.98004,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.06979363411664963},{"word":"of","start":534.98004,"end":535.14,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08079106360673904},{"word":"your","start":535.14,"end":535.46,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07371984422206879},{"word":"details","start":535.46,"end":535.86005,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":-0.09673777222633362},{"word":"redacted","start":535.86005,"end":536.36005,"confidence":0.9736328,"punctuated_word":"redacted.","sentiment":"neutral","sentiment_score":-0.07139863073825836},{"word":"and","start":536.66003,"end":536.82,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.016638506203889847},{"word":"i'm","start":536.82,"end":537.06006,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.010050661861896517},{"word":"just","start":537.06006,"end":537.22003,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.005246251821517944},{"word":"wondering","start":537.22003,"end":537.72003,"confidence":1.0,"punctuated_word":"wondering","sentiment":"neutral","sentiment_score":-0.01566687598824501},{"word":"if","start":537.78,"end":537.94,"confidence":0.97802734,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0005039311945438385},{"word":"you","start":537.94,"end":538.10004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.001889772713184357},{"word":"guys","start":538.10004,"end":538.5,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.012443162500858309},{"word":"possibly","start":538.5,"end":538.9,"confidence":0.99609375,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.008994042873382568},{"word":"have","start":538.9,"end":539.14,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02821686863899231},{"word":"a","start":539.14,"end":539.22003,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02879120036959648},{"word":"statement","start":539.22003,"end":539.62006,"confidence":0.99902344,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.003319874405860901},{"word":"floating","start":539.62006,"end":539.94,"confidence":0.9980469,"punctuated_word":"floating","sentiment":"neutral","sentiment_score":0.05886651575565338},{"word":"around","start":539.94,"end":540.18005,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.005642980337142944},{"word":"that","start":540.18005,"end":540.34,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06114736944437027},{"word":"you","start":540.34,"end":540.42004,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03708777576684952},{"word":"could","start":540.42004,"end":540.66003,"confidence":0.9472656,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.02268870174884796},{"word":"flick","start":540.66003,"end":540.98004,"confidence":0.9482422,"punctuated_word":"flick","sentiment":"neutral","sentiment_score":0.08807249367237091},{"word":"through","start":540.98004,"end":541.38,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.051230378448963165},{"word":"that's","start":541.38,"end":541.7,"confidence":0.8503418,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.013399727642536163},{"word":"a","start":541.7,"end":541.78,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00913332775235176},{"word":"bit","start":541.78,"end":541.94,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.02217493951320648},{"word":"more","start":541.94,"end":542.18005,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.008612386882305145},{"word":"up","start":542.18005,"end":542.26,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.03448953479528427},{"word":"to","start":542.26,"end":542.42004,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016476087272167206},{"word":"date","start":542.42004,"end":542.66003,"confidence":0.73986816,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":-0.024644646793603897},{"word":"that","start":542.66003,"end":542.9,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.17698867619037628},{"word":"might","start":542.9,"end":543.06006,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.19262045621871948},{"word":"be","start":543.06006,"end":543.22003,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.22014284133911133},{"word":"helpful","start":543.22003,"end":543.72003,"confidence":0.99194336,"punctuated_word":"helpful.","sentiment":"neutral","sentiment_score":0.13136465847492218},{"word":"cool","start":547.22003,"end":547.515,"confidence":0.9667969,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.10814787447452544},{"word":"what","start":547.59503,"end":547.755,"confidence":0.59033203,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.019044186919927597},{"word":"what","start":547.755,"end":547.995,"confidence":0.87353516,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.030258869752287865},{"word":"we'll","start":547.995,"end":548.495,"confidence":0.99316406,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.03381998836994171},{"word":"do","start":548.79504,"end":549.29504,"confidence":0.8483887,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":-0.026408854871988297},{"word":"if","start":549.515,"end":549.755,"confidence":0.7705078,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0251434575766325},{"word":"we","start":549.755,"end":549.91504,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.016541436314582825},{"word":"do","start":549.91504,"end":550.075,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.015370529145002363},{"word":"an","start":550.075,"end":550.235,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.010555420070886612},{"word":"authority","start":550.235,"end":550.735,"confidence":1.0,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":-0.028111808001995087},{"word":"on","start":550.955,"end":551.35504,"confidence":0.9248047,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.0193491168320179},{"word":"like","start":551.35504,"end":551.59503,"confidence":0.9785156,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.021294251084327694},{"word":"danielle","start":551.59503,"end":551.995,"confidence":0.89501953,"punctuated_word":"Danielle","sentiment":"neutral","sentiment_score":-0.009934035129845142},{"word":"of","start":551.995,"end":552.495,"confidence":0.7919922,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.009206946939229963},{"word":"her","start":552.875,"end":553.115,"confidence":0.96777344,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.013111788779497148},{"word":"details","start":553.115,"end":553.615,"confidence":0.99902344,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":-0.024938387796282768},{"word":"they","start":553.835,"end":554.075,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.021985486149787903},{"word":"redact","start":554.075,"end":554.47504,"confidence":0.99194336,"punctuated_word":"redact","sentiment":"neutral","sentiment_score":-0.03532463312149048},{"word":"yours","start":554.47504,"end":554.97504,"confidence":0.9885254,"punctuated_word":"yours.","sentiment":"neutral","sentiment_score":-0.00230590021237731},{"word":"so","start":555.03503,"end":555.275,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01688334345817566},{"word":"it's","start":555.275,"end":555.435,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03431517630815506},{"word":"not","start":555.435,"end":555.59503,"confidence":0.6557617,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04832569509744644},{"word":"like","start":555.59503,"end":555.755,"confidence":0.88671875,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.045201968401670456},{"word":"a","start":555.755,"end":555.835,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.061843350529670715},{"word":"joint","start":555.835,"end":556.155,"confidence":0.99902344,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":-0.10011091828346252},{"word":"authority","start":556.155,"end":556.47504,"confidence":0.8154297,"punctuated_word":"authority.","sentiment":"neutral","sentiment_score":-0.07045800983905792},{"word":"so","start":556.47504,"end":556.635,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.040968071669340134},{"word":"we're","start":556.635,"end":556.79504,"confidence":0.89282227,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.06963454186916351},{"word":"gonna","start":556.79504,"end":556.955,"confidence":0.90527344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.01903834007680416},{"word":"do","start":556.955,"end":557.03503,"confidence":0.90063477,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":-0.03079076856374741},{"word":"like","start":557.03503,"end":557.195,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.02645467221736908},{"word":"a","start":557.195,"end":557.275,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0013303495943546295},{"word":"separate","start":557.275,"end":557.59503,"confidence":1.0,"punctuated_word":"separate","sentiment":"neutral","sentiment_score":-0.05387240648269653},{"word":"one","start":557.59503,"end":557.835,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.02499115839600563},{"word":"for","start":557.835,"end":557.995,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.010889925062656404},{"word":"you","start":557.995,"end":558.395,"confidence":0.99609375,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.022115051746368408},{"word":"one","start":558.395,"end":558.635,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.08613196015357971},{"word":"for","start":558.635,"end":558.875,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06227607652544975},{"word":"her","start":558.875,"end":559.275,"confidence":0.98950195,"punctuated_word":"her,","sentiment":"neutral","sentiment_score":-0.06044910103082657},{"word":"and","start":559.275,"end":559.515,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11631853133440018},{"word":"they","start":559.515,"end":559.675,"confidence":0.99609375,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.31257525086402893},{"word":"just","start":559.675,"end":559.86,"confidence":0.99902344,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.3479120433330536},{"word":"keep","start":560.33997,"end":560.42,"confidence":1.0,"punctuated_word":"keep","sentiment":"negative","sentiment_score":-0.4837813675403595},{"word":"blacking","start":560.42,"end":560.82,"confidence":0.91064453,"punctuated_word":"blacking","sentiment":"negative","sentiment_score":-0.4220933020114898},{"word":"out","start":560.82,"end":561.06,"confidence":1.0,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.4161125719547272},{"word":"half","start":561.06,"end":561.38,"confidence":0.99902344,"punctuated_word":"half","sentiment":"negative","sentiment_score":-0.4414022564888001},{"word":"the","start":561.38,"end":561.54,"confidence":0.9863281,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4878511726856232},{"word":"info","start":561.54,"end":562.04,"confidence":0.99365234,"punctuated_word":"info.","sentiment":"negative","sentiment_score":-0.4386921525001526},{"word":"if","start":562.98,"end":563.22,"confidence":0.8730469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.11161758005619048},{"word":"you've","start":563.22,"end":563.38,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08472268283367157},{"word":"got","start":563.38,"end":563.54,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07445093244314194},{"word":"one","start":563.54,"end":563.77997,"confidence":0.8430176,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.08855608850717545},{"word":"that's","start":563.77997,"end":564.01996,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.12059538066387177},{"word":"the","start":564.01996,"end":564.18,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06166738271713257},{"word":"quickest","start":564.18,"end":564.57996,"confidence":0.9890137,"punctuated_word":"quickest.","sentiment":"neutral","sentiment_score":0.1268349289894104},{"word":"if","start":564.57996,"end":564.74,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.02253089100122452},{"word":"not","start":564.74,"end":564.98,"confidence":0.9995117,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":-0.013429241254925728},{"word":"we'll","start":564.98,"end":565.14,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.0308260228484869},{"word":"do","start":565.14,"end":565.3,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02463454008102417},{"word":"an","start":565.3,"end":565.45996,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0028764456510543823},{"word":"authority","start":565.45996,"end":565.94,"confidence":1.0,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.03519555926322937},{"word":"for","start":565.94,"end":566.1,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.042664624750614166},{"word":"yours","start":566.1,"end":566.6,"confidence":0.82373047,"punctuated_word":"yours,","sentiment":"neutral","sentiment_score":0.04742980748414993},{"word":"and","start":566.82,"end":567.14,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05396720767021179},{"word":"it's","start":567.14,"end":567.3,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07142241299152374},{"word":"just","start":567.3,"end":567.54,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09393620491027832},{"word":"to","start":567.54,"end":567.62,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016610369086265564},{"word":"get","start":567.62,"end":567.77997,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.010224662721157074},{"word":"the","start":567.77997,"end":567.86,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04653703421354294},{"word":"updated","start":567.86,"end":568.33997,"confidence":1.0,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.07175493240356445},{"word":"premiums","start":568.33997,"end":568.83997,"confidence":0.88793945,"punctuated_word":"premiums,","sentiment":"neutral","sentiment_score":0.04176386818289757},{"word":"really","start":568.98,"end":569.48,"confidence":0.9460449,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":0.08152540028095245},{"word":"just","start":573.3,"end":573.54,"confidence":0.99316406,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.027543045580387115},{"word":"a","start":573.54,"end":573.705,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02131963148713112},{"word":"statement","start":573.865,"end":574.265,"confidence":1.0,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.0872565433382988},{"word":"or","start":574.265,"end":574.66504,"confidence":0.97509766,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.032521575689315796},{"word":"a","start":574.66504,"end":574.905,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04619766026735306},{"word":"certificate","start":574.905,"end":575.385,"confidence":1.0,"punctuated_word":"certificate","sentiment":"neutral","sentiment_score":0.05761248618364334},{"word":"of","start":575.385,"end":575.54504,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03827439248561859},{"word":"currency","start":575.54504,"end":576.04504,"confidence":1.0,"punctuated_word":"currency","sentiment":"neutral","sentiment_score":0.046022914350032806},{"word":"or","start":576.265,"end":576.505,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06327694654464722},{"word":"an","start":576.505,"end":576.745,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05657914653420448},{"word":"anniversary","start":576.745,"end":577.22504,"confidence":1.0,"punctuated_word":"anniversary","sentiment":"neutral","sentiment_score":0.07124973088502884},{"word":"notice","start":577.22504,"end":577.705,"confidence":0.9255371,"punctuated_word":"notice,","sentiment":"neutral","sentiment_score":0.04197157546877861},{"word":"whatever","start":577.705,"end":578.025,"confidence":0.99902344,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.042515382170677185},{"word":"they've","start":578.025,"end":578.505,"confidence":0.99853516,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.05161626264452934},{"word":"emailed","start":578.505,"end":578.905,"confidence":0.99121094,"punctuated_word":"emailed","sentiment":"neutral","sentiment_score":0.03314331918954849},{"word":"through","start":578.905,"end":579.405,"confidence":0.95214844,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.035828880965709686},{"word":"i'll","start":581.945,"end":582.185,"confidence":0.89990234,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09007018804550171},{"word":"get","start":582.185,"end":582.425,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12431970983743668},{"word":"that","start":582.425,"end":582.745,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18286457657814023},{"word":"notice","start":582.745,"end":583.065,"confidence":0.9951172,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.15190696716308594},{"word":"of","start":583.065,"end":583.145,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1322326362133026},{"word":"intent","start":583.145,"end":583.465,"confidence":0.99902344,"punctuated_word":"intent","sentiment":"neutral","sentiment_score":-0.013521060347557068},{"word":"to","start":583.465,"end":583.625,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1036410555243492},{"word":"claim","start":583.625,"end":583.945,"confidence":0.9863281,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.14043517410755155},{"word":"form","start":583.945,"end":584.34503,"confidence":0.99609375,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.14115124940872192},{"word":"done","start":584.34503,"end":584.825,"confidence":0.9970703,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.08294345438480377},{"word":"and","start":584.825,"end":585.065,"confidence":0.87841797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08734949678182602},{"word":"then","start":585.065,"end":585.385,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12645208835601807},{"word":"send","start":585.385,"end":585.54504,"confidence":0.99609375,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.07913991063833237},{"word":"you","start":585.54504,"end":585.705,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13181206583976746},{"word":"through","start":585.705,"end":585.865,"confidence":0.9902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.11983704566955566},{"word":"the","start":585.865,"end":586.025,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10917239636182784},{"word":"details","start":586.025,"end":586.425,"confidence":0.9890137,"punctuated_word":"details.","sentiment":"neutral","sentiment_score":0.12153773009777068},{"word":"you","start":586.425,"end":586.585,"confidence":0.97998047,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.11225489526987076},{"word":"can","start":586.585,"end":586.86,"confidence":0.9604492,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1115814670920372},{"word":"just","start":586.86,"end":587.01996,"confidence":0.75097656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09997114539146423},{"word":"reply","start":587.01996,"end":587.33997,"confidence":0.9970703,"punctuated_word":"reply","sentiment":"neutral","sentiment_score":0.09547090530395508},{"word":"to","start":587.33997,"end":587.83997,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10221031308174132},{"word":"that","start":588.06,"end":588.56,"confidence":0.9941406,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.12535786628723145},{"word":"that","start":590.45996,"end":590.7,"confidence":0.9863281,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.46993014216423035},{"word":"way","start":590.7,"end":590.86,"confidence":0.75024414,"punctuated_word":"way,","sentiment":"positive","sentiment_score":0.571601152420044},{"word":"it's","start":590.86,"end":591.1,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5544024705886841},{"word":"all","start":591.1,"end":591.6,"confidence":0.99902344,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.492634117603302},{"word":"all","start":591.66,"end":591.89996,"confidence":0.99316406,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5115749835968018},{"word":"in","start":591.89996,"end":592.06,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5080182552337646},{"word":"one","start":592.06,"end":592.3,"confidence":0.99902344,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.5014530420303345},{"word":"spot","start":592.3,"end":592.54,"confidence":1.0,"punctuated_word":"spot","sentiment":"positive","sentiment_score":0.6182535290718079},{"word":"for","start":592.54,"end":592.77997,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.48665422201156616},{"word":"you","start":592.77997,"end":593.27997,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4143992066383362},{"word":"outside","start":594.94,"end":595.33997,"confidence":0.8027344,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":0.21116259694099423},{"word":"of","start":595.33997,"end":595.5,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1762106865644455},{"word":"that","start":595.5,"end":595.89996,"confidence":0.98339844,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.19323447346687317},{"word":"quick","start":595.89996,"end":596.22,"confidence":0.9741211,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.2035468965768814},{"word":"double","start":596.22,"end":596.45996,"confidence":0.9980469,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.11936698853969574},{"word":"check","start":596.45996,"end":596.7,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.11908245831727982},{"word":"on","start":596.7,"end":596.94,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16135624051094055},{"word":"details","start":596.94,"end":597.33997,"confidence":0.8083496,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":0.19549021124839783},{"word":"make","start":597.33997,"end":597.5,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.15381592512130737},{"word":"sure","start":597.5,"end":597.66,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.17302215099334717},{"word":"it","start":597.66,"end":597.82,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20301872491836548},{"word":"hasn't","start":597.82,"end":598.14,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":0.11508116126060486},{"word":"changed","start":598.14,"end":598.54,"confidence":0.9863281,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.03348802030086517},{"word":"too","start":598.54,"end":598.77997,"confidence":0.9980469,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.0029165148735046387},{"word":"much","start":598.77997,"end":599.205,"confidence":0.98950195,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":0.07059440016746521},{"word":"so","start":599.445,"end":599.685,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3591926097869873},{"word":"we're","start":599.685,"end":599.84503,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.6114599704742432},{"word":"obviously","start":599.84503,"end":600.325,"confidence":0.9873047,"punctuated_word":"obviously","sentiment":"positive","sentiment_score":0.591529369354248},{"word":"doing","start":600.325,"end":600.825,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.5826728940010071},{"word":"the","start":601.525,"end":601.765,"confidence":0.91845703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5791037678718567},{"word":"same","start":601.765,"end":602.085,"confidence":1.0,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.5021812319755554},{"word":"kind","start":602.085,"end":602.245,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.4454160928726196},{"word":"of","start":602.245,"end":602.405,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5179040431976318},{"word":"work","start":602.405,"end":602.72504,"confidence":0.98535156,"punctuated_word":"work,","sentiment":"positive","sentiment_score":0.5284998416900635},{"word":"which","start":602.72504,"end":602.965,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6715248227119446},{"word":"is","start":602.965,"end":603.205,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7329697012901306},{"word":"great","start":603.205,"end":603.525,"confidence":1.0,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6766317486763},{"word":"do","start":603.525,"end":603.68506,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.11897017061710358},{"word":"you","start":603.68506,"end":603.84503,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1389390379190445},{"word":"know","start":603.84503,"end":604.005,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.12834572792053223},{"word":"how","start":604.005,"end":604.16504,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.16741818189620972},{"word":"you","start":604.16504,"end":604.325,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17751839756965637},{"word":"finished","start":604.325,"end":604.72504,"confidence":0.78564453,"punctuated_word":"finished","sentiment":"neutral","sentiment_score":0.13395629823207855},{"word":"up","start":604.72504,"end":604.885,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17316317558288574},{"word":"for","start":604.885,"end":605.04504,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10438038408756256},{"word":"the","start":605.04504,"end":605.125,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12322584539651872},{"word":"financial","start":605.125,"end":605.60504,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.08953402936458588},{"word":"year","start":605.60504,"end":606.10504,"confidence":0.9941406,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0930272787809372},{"word":"income","start":606.16504,"end":606.565,"confidence":0.83203125,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.16654731333255768},{"word":"wise","start":606.565,"end":606.885,"confidence":0.99902344,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.13948607444763184},{"word":"overall","start":606.885,"end":607.385,"confidence":0.9970703,"punctuated_word":"overall?","sentiment":"neutral","sentiment_score":0.048857640475034714},{"word":"yeah","start":612.48505,"end":612.805,"confidence":0.9724121,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014589960686862469},{"word":"just","start":612.805,"end":612.965,"confidence":0.9951172,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.0037576034665107727},{"word":"a","start":612.965,"end":613.125,"confidence":0.7319336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.014685191214084624},{"word":"gross","start":613.125,"end":613.445,"confidence":0.99902344,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.014099545776844025},{"word":"amount","start":613.445,"end":613.765,"confidence":0.94555664,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":0.017780734226107597},{"word":"i","start":613.765,"end":613.84503,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01772749423980713},{"word":"think","start":613.84503,"end":614.085,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0220361165702343},{"word":"we","start":614.085,"end":614.245,"confidence":0.85058594,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.020909715443849564},{"word":"was","start":614.245,"end":614.52,"confidence":0.90771484,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.0318903848528862},{"word":"thinking","start":614.68,"end":614.80005,"confidence":0.9980469,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.027358364313840863},{"word":"somewhere","start":614.80005,"end":614.92004,"confidence":1.0,"punctuated_word":"somewhere","sentiment":"neutral","sentiment_score":-0.02249462530016899},{"word":"between","start":614.92004,"end":615.42004,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.02981583960354328},{"word":"$70.80","start":615.80005,"end":616.7,"confidence":0.96936035,"punctuated_word":"$70.80.","sentiment":"neutral","sentiment_score":0.011190546676516531},{"word":"yeah","start":631.57495,"end":632.07495,"confidence":0.89282227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07722525298595428},{"word":"yeah","start":638.055,"end":638.555,"confidence":0.98217773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02520869672298431},{"word":"no","start":644.92,"end":645.16003,"confidence":0.967041,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04542955011129379},{"word":"that's","start":645.16003,"end":645.4,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10691185295581818},{"word":"fine","start":645.4,"end":645.64,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.10044317692518234},{"word":"i","start":645.64,"end":645.72003,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1053672507405281},{"word":"can","start":645.72003,"end":645.88,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1724226176738739},{"word":"go","start":645.88,"end":646.04,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.15699057281017303},{"word":"off","start":646.04,"end":646.2,"confidence":0.9951172,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.14369137585163116},{"word":"that","start":646.2,"end":646.36,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18405574560165405},{"word":"as","start":646.36,"end":646.52,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13539937138557434},{"word":"a","start":646.52,"end":646.6,"confidence":0.8432617,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13022026419639587},{"word":"revenue","start":646.6,"end":646.92,"confidence":1.0,"punctuated_word":"revenue","sentiment":"neutral","sentiment_score":0.118338905274868},{"word":"because","start":646.92,"end":647.16003,"confidence":0.71118164,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.08769632875919342},{"word":"obviously","start":647.16003,"end":647.66003,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.11169249564409256},{"word":"the","start":648.04,"end":648.28,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12710335850715637},{"word":"you","start":648.44,"end":648.52,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1004309356212616},{"word":"know","start":648.52,"end":648.76,"confidence":0.9951172,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1168484091758728},{"word":"getting","start":648.76,"end":649.26,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.14045554399490356},{"word":"sgc","start":649.4,"end":649.9,"confidence":0.99121094,"punctuated_word":"SGC","sentiment":"neutral","sentiment_score":0.1330384761095047},{"word":"from","start":650.28,"end":650.52,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.12653565406799316},{"word":"all","start":650.52,"end":650.68,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.12439234554767609},{"word":"of","start":650.68,"end":650.76,"confidence":0.8574219,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1410045325756073},{"word":"those","start":650.76,"end":651.0,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.14781257510185242},{"word":"sources","start":651.0,"end":651.4,"confidence":1.0,"punctuated_word":"sources","sentiment":"neutral","sentiment_score":0.0747232437133789},{"word":"of","start":651.4,"end":651.56,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11766210198402403},{"word":"income","start":651.56,"end":651.8,"confidence":0.710083,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.11996707320213318},{"word":"so","start":651.8,"end":651.92,"confidence":0.96533203,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1148212105035782},{"word":"i'll","start":651.92,"end":652.04,"confidence":0.94262695,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11848309636116028},{"word":"just","start":652.04,"end":652.28,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11712716519832612},{"word":"base","start":652.28,"end":652.52,"confidence":0.9536133,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.09250596165657043},{"word":"it","start":652.52,"end":652.6,"confidence":0.8496094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13996343314647677},{"word":"on","start":652.6,"end":652.76,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10280166566371918},{"word":"what's","start":652.76,"end":653.08,"confidence":0.9975586,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.07973739504814148},{"word":"coming","start":653.08,"end":653.4,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.05944788455963135},{"word":"into","start":653.4,"end":653.64,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0628533810377121},{"word":"the","start":653.64,"end":653.8,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07500600814819336},{"word":"account","start":653.8,"end":654.2,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.07323921471834183},{"word":"plus","start":654.2,"end":654.44,"confidence":0.95410156,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.08260712027549744},{"word":"the","start":654.44,"end":654.6,"confidence":0.7709961,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0933518186211586},{"word":"thousand","start":654.6,"end":655.0,"confidence":0.9980469,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.07200859487056732},{"word":"a","start":655.0,"end":655.08,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07253114879131317},{"word":"month","start":655.08,"end":655.545,"confidence":0.7873535,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.0527813695371151},{"word":"and","start":655.865,"end":656.185,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05727739632129669},{"word":"i'll","start":656.185,"end":656.425,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07562412321567535},{"word":"just","start":656.425,"end":656.58496,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07285088300704956},{"word":"put","start":656.58496,"end":656.745,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.07521746307611465},{"word":"that","start":656.745,"end":656.825,"confidence":0.9394531,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11133625358343124},{"word":"as","start":656.825,"end":656.985,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08437249809503555},{"word":"an","start":656.985,"end":657.225,"confidence":0.99316406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08318199217319489},{"word":"income","start":657.225,"end":657.545,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06882476061582565},{"word":"estimate","start":657.545,"end":658.045,"confidence":0.99902344,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.05065791308879852},{"word":"gross","start":658.185,"end":658.505,"confidence":0.9448242,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.03675221279263496},{"word":"for","start":658.505,"end":658.665,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05445278808474541},{"word":"the","start":658.665,"end":658.825,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04523927718400955},{"word":"time","start":658.825,"end":659.065,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.041658397763967514},{"word":"being","start":659.065,"end":659.565,"confidence":0.99902344,"punctuated_word":"being.","sentiment":"neutral","sentiment_score":0.053159214556217194},{"word":"fantastic","start":661.305,"end":661.805,"confidence":0.9946289,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5499951243400574},{"word":"outside","start":662.185,"end":662.505,"confidence":0.88134766,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":0.16326570510864258},{"word":"of","start":662.505,"end":662.665,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1311076283454895},{"word":"that","start":662.665,"end":663.14496,"confidence":0.99902344,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.14590057730674744},{"word":"the","start":663.14496,"end":663.64496,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13195601105690002},{"word":"mortgage","start":663.945,"end":664.445,"confidence":0.9741211,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.0256069153547287},{"word":"has","start":665.945,"end":666.185,"confidence":0.89501953,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.035763680934906006},{"word":"it","start":666.185,"end":666.345,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04961054027080536},{"word":"dropped","start":666.345,"end":666.58496,"confidence":0.9951172,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.018921121954917908},{"word":"down","start":666.58496,"end":666.825,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.007518842816352844},{"word":"below","start":666.825,"end":667.225,"confidence":1.0,"punctuated_word":"below","sentiment":"neutral","sentiment_score":0.035595253109931946},{"word":"300","start":667.225,"end":667.96497,"confidence":0.9970703,"punctuated_word":"300?","sentiment":"neutral","sentiment_score":0.026674076914787292},{"word":"perfect","start":671.45,"end":671.85,"confidence":0.9802246,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4138738811016083},{"word":"how","start":671.85,"end":672.09,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.09161850810050964},{"word":"far","start":672.09,"end":672.25,"confidence":1.0,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.05484887957572937},{"word":"down","start":672.25,"end":672.41003,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.06434143334627151},{"word":"do","start":672.41003,"end":672.57,"confidence":0.55615234,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12144535779953004},{"word":"you","start":672.57,"end":672.65,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14963462948799133},{"word":"reckon","start":672.65,"end":672.89,"confidence":0.95874023,"punctuated_word":"reckon?","sentiment":"neutral","sentiment_score":0.11212192475795746},{"word":"what's","start":672.89,"end":673.13,"confidence":0.99365234,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.03602960705757141},{"word":"a","start":673.13,"end":673.29,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05116259679198265},{"word":"bit","start":673.29,"end":673.45,"confidence":0.9941406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.034107133746147156},{"word":"of","start":673.45,"end":673.53,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04654651507735253},{"word":"an","start":673.53,"end":673.61,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05061526596546173},{"word":"estimate","start":673.61,"end":674.11,"confidence":0.99658203,"punctuated_word":"estimate?","sentiment":"neutral","sentiment_score":0.07433826476335526},{"word":"and","start":678.97003,"end":679.13,"confidence":0.6411133,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04504143446683884},{"word":"while","start":679.13,"end":679.37,"confidence":0.96875,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.04277608543634415},{"word":"you're","start":679.37,"end":679.45,"confidence":0.98779297,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06358602643013},{"word":"doing","start":679.45,"end":679.61,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.07938625663518906},{"word":"that","start":679.61,"end":679.77,"confidence":0.9980469,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.06238783895969391},{"word":"i'm","start":679.77,"end":679.85,"confidence":0.98999023,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07045683264732361},{"word":"just","start":679.85,"end":680.01,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07442217320203781},{"word":"gonna","start":680.01,"end":680.25,"confidence":0.9604492,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0768323689699173},{"word":"do","start":680.25,"end":680.41003,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07826762646436691},{"word":"a","start":680.41003,"end":680.49,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08725214004516602},{"word":"quick","start":680.49,"end":680.81,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.09383630752563477},{"word":"valuation","start":680.81,"end":681.31,"confidence":0.8413086,"punctuated_word":"valuation","sentiment":"neutral","sentiment_score":0.08177347481250763},{"word":"update","start":681.85,"end":682.35,"confidence":0.9926758,"punctuated_word":"update.","sentiment":"neutral","sentiment_score":0.06601829826831818},{"word":"282","start":689.705,"end":690.84503,"confidence":0.99609375,"punctuated_word":"282.","sentiment":"neutral","sentiment_score":0.06145482510328293},{"word":"perfect","start":691.065,"end":691.565,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3153532147407532},{"word":"and","start":693.145,"end":693.54504,"confidence":0.6791992,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09794198721647264},{"word":"home","start":693.54504,"end":693.78503,"confidence":0.9658203,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.13209475576877594},{"word":"value","start":693.78503,"end":694.185,"confidence":0.9807129,"punctuated_word":"value,","sentiment":"neutral","sentiment_score":0.15186528861522677},{"word":"i'm","start":694.185,"end":694.42505,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12968593835830688},{"word":"i'm","start":694.42505,"end":694.585,"confidence":0.8996582,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.13951006531715393},{"word":"assuming","start":694.585,"end":694.98505,"confidence":0.99902344,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.16765010356903076},{"word":"you've","start":694.98505,"end":695.305,"confidence":0.97436523,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.13014599680900574},{"word":"benefited","start":695.305,"end":695.78503,"confidence":0.9873047,"punctuated_word":"benefited","sentiment":"neutral","sentiment_score":0.17152321338653564},{"word":"from","start":695.78503,"end":696.10504,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.15990494191646576},{"word":"the","start":696.10504,"end":696.185,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17172081768512726},{"word":"last","start":696.185,"end":696.505,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.15752911567687988},{"word":"twelve","start":696.505,"end":696.66504,"confidence":0.9980469,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.1552643924951553},{"word":"months","start":696.66504,"end":697.05,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.17428143322467804},{"word":"crested","start":697.05,"end":697.52997,"confidence":0.7729492,"punctuated_word":"crested","sentiment":"neutral","sentiment_score":0.209483340382576},{"word":"above","start":697.52997,"end":697.64996,"confidence":0.99902344,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.17478395998477936},{"word":"a","start":697.64996,"end":697.76996,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1177145093679428},{"word":"mil","start":697.76996,"end":698.17,"confidence":0.48657227,"punctuated_word":"mil","sentiment":"neutral","sentiment_score":0.14919298887252808},{"word":"now","start":698.17,"end":698.67,"confidence":0.86572266,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.1175556406378746},{"word":"yep","start":706.33,"end":706.64996,"confidence":0.9243164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.048163846135139465},{"word":"yep","start":706.64996,"end":706.97,"confidence":0.98217773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.046972185373306274},{"word":"i'll","start":706.97,"end":707.20996,"confidence":0.99609375,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04998040944337845},{"word":"put","start":707.20996,"end":707.37,"confidence":0.99609375,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0627216100692749},{"word":"1,000,000","start":707.37,"end":707.85,"confidence":0.84106445,"punctuated_word":"1,000,000","sentiment":"neutral","sentiment_score":0.07729513943195343},{"word":"for","start":707.85,"end":708.01,"confidence":0.97802734,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05193131044507027},{"word":"now","start":708.01,"end":708.41,"confidence":0.99072266,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.04595760256052017},{"word":"it's","start":708.41,"end":708.64996,"confidence":0.8864746,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.05203823745250702},{"word":"not","start":708.64996,"end":708.81,"confidence":0.97509766,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.059386447072029114},{"word":"gonna","start":708.81,"end":709.05,"confidence":0.7270508,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.04045337438583374},{"word":"make","start":709.05,"end":709.20996,"confidence":0.9707031,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.05936412513256073},{"word":"too","start":709.20996,"end":709.37,"confidence":0.96240234,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.06930149346590042},{"word":"much","start":709.37,"end":709.52997,"confidence":0.97265625,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.043792881071567535},{"word":"of","start":709.52997,"end":709.69,"confidence":0.88671875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.029030218720436096},{"word":"a","start":709.69,"end":709.8875,"confidence":0.7495117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02443310245871544},{"word":"difference","start":709.8875,"end":710.085,"confidence":0.84277344,"punctuated_word":"difference.","sentiment":"neutral","sentiment_score":-0.06292536854743958},{"word":"and","start":712.005,"end":712.16504,"confidence":0.9770508,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01111726462841034},{"word":"just","start":712.16504,"end":712.405,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.005293458700180054},{"word":"for","start":712.405,"end":712.565,"confidence":0.95996094,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.005665643140673637},{"word":"like","start":712.565,"end":712.72504,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.024916470050811768},{"word":"the","start":712.72504,"end":712.965,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0434810072183609},{"word":"the","start":712.965,"end":713.125,"confidence":0.97265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0334097258746624},{"word":"life","start":713.125,"end":713.28503,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.039797909557819366},{"word":"and","start":713.28503,"end":713.445,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.027973078191280365},{"word":"disability","start":713.445,"end":713.945,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.01349225640296936},{"word":"cover","start":714.085,"end":714.585,"confidence":0.96972656,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.03272153064608574},{"word":"so","start":714.72504,"end":715.22504,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04236946254968643},{"word":"there's","start":715.36505,"end":715.84503,"confidence":0.95996094,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.048114530742168427},{"word":"$470,000","start":715.84503,"end":717.125,"confidence":0.9855957,"punctuated_word":"$470,000","sentiment":"neutral","sentiment_score":0.06933914124965668},{"word":"through","start":717.125,"end":717.445,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.047043558210134506},{"word":"ali","start":717.445,"end":717.92505,"confidence":0.76708984,"punctuated_word":"Ali.","sentiment":"neutral","sentiment_score":0.05136457830667496},{"word":"i","start":717.92505,"end":718.085,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05023134499788284},{"word":"was","start":718.085,"end":718.245,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.050947945564985275},{"word":"just","start":718.245,"end":718.405,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07195882499217987},{"word":"gonna","start":718.405,"end":718.645,"confidence":0.9760742,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08548936992883682},{"word":"do","start":718.645,"end":718.805,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08679410070180893},{"word":"a","start":718.805,"end":718.885,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07789212465286255},{"word":"flat","start":718.885,"end":719.28503,"confidence":1.0,"punctuated_word":"flat","sentiment":"neutral","sentiment_score":0.09261471778154372},{"word":"500,000","start":719.28503,"end":720.16504,"confidence":0.99934894,"punctuated_word":"500,000","sentiment":"neutral","sentiment_score":0.07727931439876556},{"word":"of","start":720.16504,"end":720.245,"confidence":0.9589844,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07964528352022171},{"word":"both","start":720.245,"end":720.565,"confidence":0.99902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.09270776808261871},{"word":"because","start":720.565,"end":720.885,"confidence":0.93408203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.10768860578536989},{"word":"you","start":720.885,"end":720.965,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12779977917671204},{"word":"get","start":720.965,"end":721.205,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1413070559501648},{"word":"some","start":721.205,"end":721.36505,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1193905994296074},{"word":"volume","start":721.36505,"end":721.84503,"confidence":1.0,"punctuated_word":"volume","sentiment":"neutral","sentiment_score":0.09926953911781312},{"word":"discounts","start":721.84503,"end":722.245,"confidence":0.99902344,"punctuated_word":"discounts","sentiment":"neutral","sentiment_score":0.07837747037410736},{"word":"once","start":722.245,"end":722.61,"confidence":0.9902344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.13414153456687927},{"word":"you","start":722.69,"end":722.76996,"confidence":0.96435547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10736346244812012},{"word":"click","start":722.76996,"end":722.92993,"confidence":0.9970703,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.0895075798034668},{"word":"500","start":722.92993,"end":723.58997,"confidence":0.9448242,"punctuated_word":"500.","sentiment":"neutral","sentiment_score":0.06578879803419113},{"word":"is","start":723.89,"end":724.13,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.05705596134066582},{"word":"that","start":724.13,"end":724.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08320344239473343},{"word":"okay","start":724.37,"end":724.85,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.06566454470157623},{"word":"for","start":724.85,"end":725.35,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05167800188064575},{"word":"life","start":725.57,"end":725.89,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.06475764513015747},{"word":"and","start":725.89,"end":726.20996,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06603582948446274},{"word":"total","start":726.20996,"end":726.61,"confidence":1.0,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.06828182190656662},{"word":"disability","start":726.61,"end":727.11,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.045012470334768295},{"word":"lump","start":727.25,"end":727.49,"confidence":0.99902344,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.09113846719264984},{"word":"sum","start":727.49,"end":727.99,"confidence":0.9980469,"punctuated_word":"sum?","sentiment":"neutral","sentiment_score":0.07734979689121246},{"word":"yeah","start":741.425,"end":741.665,"confidence":0.8769531,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0013706274330615995},{"word":"so","start":741.665,"end":742.065,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.002373550087213516},{"word":"if","start":742.065,"end":742.305,"confidence":0.70166016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03530948981642723},{"word":"you","start":742.305,"end":742.385,"confidence":0.8852539,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.041688837110996246},{"word":"pass","start":742.385,"end":742.625,"confidence":0.99609375,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.10221993178129196},{"word":"away","start":742.625,"end":742.945,"confidence":1.0,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.07249230146408081},{"word":"or","start":742.945,"end":743.105,"confidence":0.9873047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09530970454216003},{"word":"can","start":743.105,"end":743.345,"confidence":0.9863281,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.08802644908428192},{"word":"never","start":743.345,"end":743.505,"confidence":0.99902344,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.0967233180999756},{"word":"work","start":743.505,"end":743.745,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.06949704885482788},{"word":"again","start":743.745,"end":743.985,"confidence":0.9975586,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.06708984822034836},{"word":"there's","start":743.985,"end":744.305,"confidence":0.98583984,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0033725376706570387},{"word":"0.5","start":744.305,"end":744.465,"confidence":0.9970703,"punctuated_word":"0.5","sentiment":"neutral","sentiment_score":0.01228291168808937},{"word":"a","start":744.465,"end":744.625,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.016584787517786026},{"word":"mil","start":744.625,"end":745.125,"confidence":0.76904297,"punctuated_word":"mil.","sentiment":"neutral","sentiment_score":0.014030953869223596},{"word":"pay","start":745.185,"end":745.345,"confidence":0.984375,"punctuated_word":"Pay","sentiment":"neutral","sentiment_score":0.02846929430961609},{"word":"off","start":745.345,"end":745.505,"confidence":0.9902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.03839125856757164},{"word":"the","start":745.505,"end":745.665,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05403493344783783},{"word":"mortgage","start":745.665,"end":746.065,"confidence":0.9460449,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.061660364270210266},{"word":"couple","start":746.065,"end":746.305,"confidence":0.6953125,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.07718649506568909},{"word":"of","start":746.305,"end":746.385,"confidence":0.7758789,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06690867990255356},{"word":"$100","start":746.385,"end":746.945,"confidence":0.99853516,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.06800961494445801},{"word":"left","start":746.945,"end":747.185,"confidence":0.90771484,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.06302106380462646},{"word":"over","start":747.185,"end":747.6,"confidence":0.98657227,"punctuated_word":"over,","sentiment":"neutral","sentiment_score":0.06598985195159912},{"word":"and","start":747.68,"end":747.92,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07690348476171494},{"word":"then","start":747.92,"end":748.07996,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09820811450481416},{"word":"you've","start":748.07996,"end":748.24,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.09250757098197936},{"word":"got","start":748.24,"end":748.48,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.12173384428024292},{"word":"your","start":748.48,"end":748.63995,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10947071015834808},{"word":"income","start":748.63995,"end":748.95996,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06690613925457001},{"word":"protection","start":748.95996,"end":749.45996,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.06355917453765869},{"word":"kicking","start":749.51996,"end":749.92,"confidence":1.0,"punctuated_word":"kicking","sentiment":"neutral","sentiment_score":0.12657707929611206},{"word":"in","start":749.92,"end":750.39996,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08872124552726746},{"word":"for","start":750.39996,"end":750.56,"confidence":0.9482422,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07480088621377945},{"word":"that","start":750.56,"end":750.8,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07952824980020523},{"word":"monthly","start":750.8,"end":751.3,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.08347243070602417},{"word":"replacement","start":751.36,"end":751.86,"confidence":0.99365234,"punctuated_word":"replacement.","sentiment":"neutral","sentiment_score":0.04909464716911316},{"word":"yeah","start":755.36,"end":755.86,"confidence":0.81030273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07595393061637878},{"word":"cool","start":759.12,"end":759.51996,"confidence":0.97924805,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.053352948278188705},{"word":"we","start":759.51996,"end":759.6,"confidence":0.53466797,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.17207923531532288},{"word":"can","start":759.6,"end":759.75995,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.17367680370807648},{"word":"always","start":759.75995,"end":760.0,"confidence":0.9970703,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.1281205117702484},{"word":"adjust","start":760.0,"end":760.24,"confidence":0.9921875,"punctuated_word":"adjust","sentiment":"neutral","sentiment_score":-0.14407235383987427},{"word":"it","start":760.24,"end":760.31995,"confidence":0.98461914,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.16990673542022705},{"word":"but","start":760.31995,"end":760.56,"confidence":0.98535156,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.11700144410133362},{"word":"i'll","start":760.56,"end":760.875,"confidence":0.96972656,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.17910920083522797},{"word":"apply","start":760.875,"end":761.115,"confidence":0.9951172,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":-0.1204368770122528},{"word":"for","start":761.115,"end":761.275,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.15685701370239258},{"word":"that","start":761.275,"end":761.355,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13889306783676147},{"word":"for","start":761.355,"end":761.515,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.13997413218021393},{"word":"now","start":761.515,"end":761.755,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.0747947171330452},{"word":"because","start":761.755,"end":762.075,"confidence":0.7080078,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.20559227466583252},{"word":"anything","start":762.075,"end":762.555,"confidence":1.0,"punctuated_word":"anything","sentiment":"negative","sentiment_score":-0.3349243402481079},{"word":"below","start":762.555,"end":762.875,"confidence":1.0,"punctuated_word":"below","sentiment":"negative","sentiment_score":-0.4229605793952942},{"word":"that","start":762.875,"end":763.275,"confidence":0.97631836,"punctuated_word":"that,","sentiment":"negative","sentiment_score":-0.38229888677597046},{"word":"it's","start":763.275,"end":763.775,"confidence":1.0,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.5130653381347656},{"word":"almost","start":763.835,"end":764.235,"confidence":1.0,"punctuated_word":"almost","sentiment":"negative","sentiment_score":-0.5462679862976074},{"word":"more","start":764.235,"end":764.475,"confidence":1.0,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.4448680281639099},{"word":"expensive","start":764.475,"end":764.975,"confidence":1.0,"punctuated_word":"expensive","sentiment":"negative","sentiment_score":-0.406925231218338},{"word":"than","start":765.115,"end":765.275,"confidence":0.9941406,"punctuated_word":"than","sentiment":"negative","sentiment_score":-0.44827529788017273},{"word":"just","start":765.275,"end":765.435,"confidence":1.0,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.4856751263141632},{"word":"going","start":765.435,"end":765.675,"confidence":1.0,"punctuated_word":"going","sentiment":"negative","sentiment_score":-0.4252181053161621},{"word":"for","start":765.675,"end":765.835,"confidence":0.9941406,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.4163915812969208},{"word":"the","start":765.835,"end":765.995,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4412552416324615},{"word":"round","start":765.995,"end":766.235,"confidence":0.99902344,"punctuated_word":"round","sentiment":"neutral","sentiment_score":-0.2779623568058014},{"word":"figure","start":766.235,"end":766.735,"confidence":0.98999023,"punctuated_word":"figure.","sentiment":"neutral","sentiment_score":-0.31877490878105164},{"word":"and","start":768.075,"end":768.575,"confidence":0.94140625,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01652216911315918},{"word":"anytime","start":768.635,"end":769.115,"confidence":0.9428711,"punctuated_word":"anytime","sentiment":"neutral","sentiment_score":0.026747234165668488},{"word":"you","start":769.115,"end":769.595,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.001783132553100586},{"word":"decrease","start":769.595,"end":770.095,"confidence":0.99316406,"punctuated_word":"decrease,","sentiment":"neutral","sentiment_score":0.1929259896278381},{"word":"easy","start":770.315,"end":770.555,"confidence":0.99121094,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.4005210995674134},{"word":"done","start":770.555,"end":770.795,"confidence":0.9675293,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.23190131783485413},{"word":"it's","start":770.795,"end":771.035,"confidence":0.99609375,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.21897439658641815},{"word":"just","start":771.035,"end":771.275,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24042773246765137},{"word":"literally","start":771.275,"end":771.595,"confidence":0.99316406,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.13707411289215088},{"word":"a","start":771.595,"end":771.755,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21021690964698792},{"word":"quote","start":771.755,"end":771.995,"confidence":1.0,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.17258024215698242},{"word":"or","start":771.995,"end":772.155,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.18290939927101135},{"word":"a","start":772.155,"end":772.315,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1533581018447876},{"word":"letter","start":772.315,"end":772.715,"confidence":0.9562988,"punctuated_word":"letter.","sentiment":"neutral","sentiment_score":0.10839180648326874},{"word":"but","start":772.715,"end":772.875,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08249582350254059},{"word":"if","start":772.875,"end":773.115,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03527307137846947},{"word":"you","start":773.115,"end":773.355,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011218950152397156},{"word":"increase","start":773.355,"end":773.835,"confidence":0.99609375,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.008542068302631378},{"word":"cover","start":773.835,"end":774.315,"confidence":0.9970703,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.016524989157915115},{"word":"you","start":774.315,"end":774.395,"confidence":0.9760742,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03322257101535797},{"word":"gotta","start":774.395,"end":774.635,"confidence":0.6772461,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.05650761350989342},{"word":"go","start":774.635,"end":774.9,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.03579048067331314},{"word":"through","start":774.9,"end":775.06,"confidence":0.9555664,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.07116490602493286},{"word":"like","start":775.06,"end":775.56,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05734778195619583},{"word":"underwriting","start":776.10004,"end":776.42004,"confidence":1.0,"punctuated_word":"underwriting","sentiment":"neutral","sentiment_score":0.03027494251728058},{"word":"medical","start":776.42004,"end":776.9,"confidence":0.7270508,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":-0.03463124483823776},{"word":"questions","start":776.9,"end":777.4,"confidence":0.9812012,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.011826649308204653},{"word":"all","start":777.54004,"end":777.7,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.013913795351982117},{"word":"that","start":777.7,"end":777.94,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024814575910568237},{"word":"kind","start":777.94,"end":778.10004,"confidence":0.96435547,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.002616845071315766},{"word":"of","start":778.10004,"end":778.26,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04311460256576538},{"word":"thing","start":778.26,"end":778.76,"confidence":0.9995117,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.06424833834171295},{"word":"so","start":779.78,"end":780.02,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23034214973449707},{"word":"rather","start":780.02,"end":780.34,"confidence":0.78125,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":0.2340928614139557},{"word":"just","start":780.34,"end":780.5,"confidence":0.5107422,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2663884162902832},{"word":"give","start":780.5,"end":780.66003,"confidence":0.9921875,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2807350158691406},{"word":"you","start":780.66003,"end":780.74005,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34554675221443176},{"word":"a","start":780.74005,"end":780.82,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.41811972856521606},{"word":"bit","start":780.82,"end":780.98004,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3783378005027771},{"word":"of","start":780.98004,"end":781.06,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.40293124318122864},{"word":"a","start":781.06,"end":781.14,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.41687965393066406},{"word":"buffer","start":781.14,"end":781.64,"confidence":0.8625488,"punctuated_word":"buffer,","sentiment":"positive","sentiment_score":0.35213449597358704},{"word":"do","start":781.7,"end":781.94,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4407427310943603},{"word":"it","start":781.94,"end":782.10004,"confidence":0.9941406,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.403309166431427},{"word":"once","start":782.10004,"end":782.60004,"confidence":0.88623047,"punctuated_word":"once,","sentiment":"positive","sentiment_score":0.44405630230903625},{"word":"should","start":782.82,"end":783.06,"confidence":0.9633789,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.5084649920463562},{"word":"let","start":783.06,"end":783.30005,"confidence":0.9980469,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.4939943850040436},{"word":"you","start":783.30005,"end":783.62,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4577390253543854},{"word":"be","start":783.62,"end":783.86005,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4213097393512726},{"word":"pretty","start":783.86005,"end":784.26,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4914742112159729},{"word":"comfortable","start":784.26,"end":784.74005,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"positive","sentiment_score":0.42791831493377686},{"word":"for","start":784.74005,"end":784.9,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4029391407966614},{"word":"a","start":784.9,"end":785.06,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4530640244483948},{"word":"while","start":785.06,"end":785.46,"confidence":0.8925781,"punctuated_word":"while.","sentiment":"positive","sentiment_score":0.3507552146911621},{"word":"and","start":785.46,"end":785.62,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21219955384731293},{"word":"then","start":785.62,"end":785.78,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1701532006263733},{"word":"if","start":785.78,"end":785.94,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.21229152381420135},{"word":"we","start":785.94,"end":786.18005,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2015068680047989},{"word":"adjust","start":786.18005,"end":786.42004,"confidence":0.9326172,"punctuated_word":"adjust","sentiment":"neutral","sentiment_score":0.1379881352186203},{"word":"it","start":786.42004,"end":786.58,"confidence":0.98657227,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.15743772685527802},{"word":"it","start":786.58,"end":786.74005,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2017277181148529},{"word":"won't","start":786.74005,"end":786.98004,"confidence":0.99853516,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.1766699254512787},{"word":"be","start":786.98004,"end":787.06,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17808108031749725},{"word":"for","start":787.06,"end":787.22003,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1284472644329071},{"word":"a","start":787.22003,"end":787.30005,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.152180016040802},{"word":"few","start":787.30005,"end":787.54004,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.07915487140417099},{"word":"years'","start":787.54004,"end":787.78,"confidence":0.8713379,"punctuated_word":"years'","sentiment":"neutral","sentiment_score":0.12141706049442293},{"word":"time","start":787.78,"end":788.28,"confidence":0.9995117,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.1486906111240387},{"word":"perfect","start":790.26,"end":790.76,"confidence":0.99609375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5325943231582642},{"word":"outside","start":791.275,"end":791.595,"confidence":0.95703125,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":0.25668400526046753},{"word":"of","start":791.595,"end":791.755,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.152199849486351},{"word":"that","start":791.755,"end":791.995,"confidence":0.9995117,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1855124831199646},{"word":"i","start":791.995,"end":792.155,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1618618667125702},{"word":"just","start":792.155,"end":792.395,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16996076703071594},{"word":"had","start":792.395,"end":792.475,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.08767612278461456},{"word":"a","start":792.475,"end":792.555,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1121978908777237},{"word":"bit","start":792.555,"end":792.715,"confidence":0.99316406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09850924462080002},{"word":"of","start":792.715,"end":792.875,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10639078915119173},{"word":"shares","start":792.875,"end":793.195,"confidence":0.9855957,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.10226766765117644},{"word":"bit","start":793.195,"end":793.435,"confidence":0.8642578,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08398754894733429},{"word":"of","start":793.435,"end":793.515,"confidence":0.9770508,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07301358878612518},{"word":"offset","start":793.515,"end":794.015,"confidence":0.9975586,"punctuated_word":"offset.","sentiment":"neutral","sentiment_score":0.06467186659574509},{"word":"i","start":794.715,"end":794.795,"confidence":0.93115234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.060274556279182434},{"word":"think","start":794.795,"end":794.955,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.053304847329854965},{"word":"you","start":794.955,"end":795.115,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09678823500871658},{"word":"guys","start":795.115,"end":795.275,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.09576411545276642},{"word":"had","start":795.275,"end":795.435,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.060003139078617096},{"word":"about","start":795.435,"end":795.675,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06793037056922913},{"word":"$20","start":795.675,"end":796.155,"confidence":1.0,"punctuated_word":"$20","sentiment":"neutral","sentiment_score":0.08233419060707092},{"word":"in","start":796.155,"end":796.315,"confidence":0.9838867,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04596257954835892},{"word":"offset","start":796.315,"end":796.635,"confidence":1.0,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.05238128453493118},{"word":"last","start":796.635,"end":796.875,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.04021616280078888},{"word":"time","start":796.875,"end":797.035,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.0761215090751648},{"word":"i","start":797.035,"end":797.195,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06542225182056427},{"word":"spoke","start":797.195,"end":797.435,"confidence":1.0,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.08290369063615799},{"word":"to","start":797.435,"end":797.515,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07434319704771042},{"word":"you","start":797.515,"end":798.015,"confidence":0.9914551,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.07006145268678665},{"word":"no","start":805.515,"end":805.755,"confidence":0.89697266,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09292253851890564},{"word":"that's","start":805.755,"end":805.98,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.05565237998962402},{"word":"fair","start":806.13995,"end":806.45996,"confidence":0.9926758,"punctuated_word":"fair.","sentiment":"neutral","sentiment_score":0.03302723541855812},{"word":"yes","start":806.45996,"end":806.95996,"confidence":0.9946289,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.054817814379930496},{"word":"yep","start":820.06,"end":820.45996,"confidence":0.99194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.032856933772563934},{"word":"no","start":820.45996,"end":820.54,"confidence":0.9753418,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0020141862332820892},{"word":"that's","start":820.54,"end":820.77997,"confidence":0.9506836,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.06117990612983704},{"word":"fair","start":820.77997,"end":821.01996,"confidence":0.9970703,"punctuated_word":"fair","sentiment":"neutral","sentiment_score":0.13703157007694244},{"word":"enough","start":821.01996,"end":821.18,"confidence":0.9921875,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":0.1041221022605896},{"word":"just","start":821.18,"end":821.505,"confidence":0.53125,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.07385849952697754},{"word":"just","start":821.585,"end":821.745,"confidence":0.79052734,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07665971666574478},{"word":"some","start":821.745,"end":821.825,"confidence":0.5839844,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07877998054027557},{"word":"update","start":821.825,"end":822.065,"confidence":0.99609375,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.11650462448596954},{"word":"on","start":822.065,"end":822.305,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0940425992012024},{"word":"the","start":822.305,"end":822.465,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11074385046958923},{"word":"assets","start":822.465,"end":822.865,"confidence":1.0,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.08280573785305023},{"word":"and","start":822.865,"end":823.025,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08260026574134827},{"word":"liabilities","start":823.025,"end":823.525,"confidence":1.0,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":0.06388062983751297},{"word":"there","start":823.665,"end":824.165,"confidence":0.9440918,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.08390127122402191},{"word":"and","start":824.705,"end":825.205,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07644307613372803},{"word":"just","start":825.265,"end":825.505,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10487750917673112},{"word":"quickly","start":825.505,"end":826.005,"confidence":0.88964844,"punctuated_word":"quickly,","sentiment":"neutral","sentiment_score":0.1113491803407669},{"word":"so","start":826.065,"end":826.565,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08956261724233627},{"word":"we've","start":827.745,"end":828.065,"confidence":0.9975586,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.11491264402866364},{"word":"got","start":828.065,"end":828.345,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1085374280810356},{"word":"focusing","start":828.625,"end":829.025,"confidence":0.9970703,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":0.12591008841991425},{"word":"on","start":829.025,"end":829.185,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1848330050706863},{"word":"the","start":829.185,"end":829.34503,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1597289741039276},{"word":"business","start":829.34503,"end":829.84503,"confidence":0.9921875,"punctuated_word":"business,","sentiment":"neutral","sentiment_score":0.14048179984092712},{"word":"the","start":830.065,"end":830.305,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18644118309020996},{"word":"mortgage","start":830.305,"end":830.805,"confidence":0.9802246,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.15700513124465942},{"word":"boost","start":831.105,"end":831.425,"confidence":0.89990234,"punctuated_word":"boost","sentiment":"neutral","sentiment_score":0.2702454924583435},{"word":"up","start":831.425,"end":831.585,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.21543017029762268},{"word":"the","start":831.585,"end":831.745,"confidence":0.9560547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17546629905700684},{"word":"super","start":831.745,"end":832.225,"confidence":0.97875977,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.20547088980674744},{"word":"sort","start":832.225,"end":832.465,"confidence":0.9536133,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.14253714680671692},{"word":"out","start":832.465,"end":832.625,"confidence":0.8691406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1755029708147049},{"word":"the","start":832.625,"end":832.865,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13264289498329165},{"word":"insurances","start":832.865,"end":833.365,"confidence":0.98746747,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.11244436353445052},{"word":"little","start":834.385,"end":834.705,"confidence":0.49951172,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.14572930335998535},{"word":"bit","start":834.705,"end":834.99,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.15689043700695038},{"word":"holidays","start":835.07,"end":835.47,"confidence":0.97680664,"punctuated_word":"holidays.","sentiment":"neutral","sentiment_score":0.14663365483283997},{"word":"anything","start":835.47,"end":835.87,"confidence":0.99609375,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.11389051377773284},{"word":"else","start":835.87,"end":836.19,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.1035640612244606},{"word":"you","start":836.19,"end":836.27,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07163770496845245},{"word":"guys","start":836.27,"end":836.51,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.10272097587585448},{"word":"are","start":836.51,"end":836.67,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07744582742452621},{"word":"focusing","start":836.67,"end":836.91,"confidence":1.0,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":0.08206264674663544},{"word":"on","start":836.91,"end":837.07,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12899652123451233},{"word":"the","start":837.07,"end":837.23,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10791812837123872},{"word":"next","start":837.23,"end":837.39,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.08962387591600418},{"word":"couple","start":837.39,"end":837.51,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.06668829917907715},{"word":"of","start":837.51,"end":837.63,"confidence":0.8457031,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1138811931014061},{"word":"years","start":837.63,"end":837.79004,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.10792464017868042},{"word":"i","start":837.79004,"end":837.95,"confidence":0.94140625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09704072773456572},{"word":"need","start":837.95,"end":838.19,"confidence":0.91259766,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1188911646604538},{"word":"to","start":838.19,"end":838.27,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11402997374534608},{"word":"factor","start":838.27,"end":838.58997,"confidence":1.0,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.13759559392929077},{"word":"in","start":838.58997,"end":838.83,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10920663177967072},{"word":"as","start":838.83,"end":839.07,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0712563544511795},{"word":"a","start":839.07,"end":839.23,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10596148669719696},{"word":"goal","start":839.23,"end":839.73,"confidence":0.99902344,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.11506815999746324},{"word":"or","start":839.79,"end":840.19,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08224550634622574},{"word":"consideration","start":840.19,"end":840.69,"confidence":0.77783203,"punctuated_word":"consideration?","sentiment":"neutral","sentiment_score":0.06748192012310028},{"word":"yep","start":863.74,"end":864.24,"confidence":0.75390625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18055343627929688},{"word":"cool","start":865.98004,"end":866.22003,"confidence":0.9675293,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.3684442639350891},{"word":"and","start":866.22003,"end":866.38,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2731422781944275},{"word":"then","start":866.38,"end":866.54004,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2744006812572479},{"word":"one","start":866.54004,"end":866.7,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2433684319257736},{"word":"of","start":866.7,"end":866.78,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24609172344207764},{"word":"the","start":866.78,"end":866.86005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2880435287952423},{"word":"things","start":866.86005,"end":867.10004,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3448847830295563},{"word":"that","start":867.10004,"end":867.18,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2062702775001526},{"word":"we're","start":867.18,"end":867.42004,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.23800179362297055},{"word":"gonna","start":867.42004,"end":867.66003,"confidence":0.8671875,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2779577076435089},{"word":"come","start":867.66003,"end":867.82,"confidence":0.9980469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.30176183581352234},{"word":"back","start":867.82,"end":867.98004,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.30995166301727295},{"word":"to","start":867.98004,"end":868.22003,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28181102871894836},{"word":"as","start":868.22003,"end":868.46,"confidence":0.9404297,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2404467612504959},{"word":"a","start":868.46,"end":868.7,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27529066801071167},{"word":"fourth","start":868.7,"end":869.10004,"confidence":1.0,"punctuated_word":"fourth","sentiment":"neutral","sentiment_score":0.25510749220848083},{"word":"priority","start":869.10004,"end":869.60004,"confidence":1.0,"punctuated_word":"priority","sentiment":"neutral","sentiment_score":0.21603991091251373},{"word":"is","start":869.82,"end":870.06,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2802483141422272},{"word":"basically","start":870.06,"end":870.46,"confidence":0.95410156,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.2065361738204956},{"word":"focus","start":870.46,"end":870.86005,"confidence":0.94140625,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.28014907240867615},{"word":"on","start":870.86005,"end":870.94,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.31407517194747925},{"word":"the","start":870.94,"end":871.10004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25138700008392334},{"word":"mortgage","start":871.10004,"end":871.58,"confidence":0.99902344,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.24862203001976013},{"word":"the","start":871.58,"end":871.74,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35052525997161865},{"word":"holidays","start":871.74,"end":872.24,"confidence":0.9995117,"punctuated_word":"holidays,","sentiment":"neutral","sentiment_score":0.2991369664669037},{"word":"the","start":872.30005,"end":872.46,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.36113107204437256},{"word":"savings","start":872.46,"end":872.94,"confidence":0.99902344,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.3058943450450897},{"word":"first","start":872.94,"end":873.44,"confidence":0.95410156,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":0.18234845995903015},{"word":"and","start":873.5,"end":873.66003,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2139771282672882},{"word":"the","start":873.66003,"end":873.82,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24954238533973697},{"word":"business","start":873.82,"end":874.275,"confidence":0.97802734,"punctuated_word":"business.","sentiment":"neutral","sentiment_score":0.04685467481613159},{"word":"and","start":874.515,"end":874.67505,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10255005955696106},{"word":"then","start":874.67505,"end":874.995,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07646853476762772},{"word":"after","start":874.995,"end":875.315,"confidence":0.9951172,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.09046554565429688},{"word":"all","start":875.315,"end":875.47504,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.09620673954486848},{"word":"that's","start":875.47504,"end":875.715,"confidence":0.9921875,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1399666666984558},{"word":"done","start":875.715,"end":875.955,"confidence":0.99853516,"punctuated_word":"done,","sentiment":"neutral","sentiment_score":0.10157742351293564},{"word":"we","start":875.955,"end":876.195,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13459990918636322},{"word":"can","start":876.195,"end":876.35504,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13643638789653778},{"word":"come","start":876.35504,"end":876.515,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.13703031837940216},{"word":"back","start":876.515,"end":876.835,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1578580141067505},{"word":"to","start":876.835,"end":877.335,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14568643271923065},{"word":"personal","start":877.395,"end":877.875,"confidence":0.9980469,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.1914325505495071},{"word":"investing","start":877.875,"end":878.375,"confidence":0.80908203,"punctuated_word":"investing,","sentiment":"neutral","sentiment_score":0.15387600660324097},{"word":"whether","start":878.59503,"end":878.91504,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.1370119750499725},{"word":"it","start":878.91504,"end":879.075,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.156330406665802},{"word":"be","start":879.075,"end":879.23505,"confidence":0.7841797,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09993071854114532},{"word":"for","start":879.23505,"end":879.395,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10592252761125565},{"word":"you","start":879.395,"end":879.55505,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.128042533993721},{"word":"guys","start":879.55505,"end":879.79504,"confidence":0.9980469,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.14008036255836487},{"word":"or","start":879.79504,"end":879.955,"confidence":0.9902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12819592654705048},{"word":"the","start":879.955,"end":880.03503,"confidence":0.9316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14356230199337006},{"word":"children","start":880.03503,"end":880.53503,"confidence":0.9406738,"punctuated_word":"children,","sentiment":"neutral","sentiment_score":0.0957004725933075},{"word":"but","start":880.995,"end":881.23505,"confidence":0.7451172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.038850706070661545},{"word":"a","start":881.23505,"end":881.315,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03549252450466156},{"word":"bit","start":881.315,"end":881.47504,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0337420254945755},{"word":"further","start":881.47504,"end":881.79504,"confidence":0.9980469,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.02537599205970764},{"word":"down","start":881.79504,"end":881.955,"confidence":0.9970703,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.03841805458068848},{"word":"the","start":881.955,"end":882.195,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03348461538553238},{"word":"track","start":882.195,"end":882.695,"confidence":0.97753906,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.055038969963788986},{"word":"cool","start":883.955,"end":884.455,"confidence":0.9921875,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4645126163959503},{"word":"alrighty","start":884.515,"end":885.015,"confidence":0.9977214,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.2543300986289978},{"word":"any","start":885.635,"end":885.955,"confidence":0.96875,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.06484351307153702},{"word":"questions","start":885.955,"end":886.44,"confidence":0.9873047,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.0566042885184288},{"word":"for","start":886.44,"end":886.94,"confidence":0.9160156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.018306396901607513},{"word":"me","start":889.4437,"end":889.9437,"confidence":0.9526367,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06407801806926727},{"word":"so","start":892.4475,"end":892.9475,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12545649707317352},{"word":"far","start":895.4513,"end":895.9513,"confidence":0.9970703,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.1512928605079651},{"word":"mhmm","start":903.335,"end":903.835,"confidence":0.97473145,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03801468759775162},{"word":"easy","start":921.82996,"end":922.14996,"confidence":0.9902344,"punctuated_word":"Easy","sentiment":"positive","sentiment_score":0.7878709435462952},{"word":"done","start":922.14996,"end":922.38995,"confidence":0.94311523,"punctuated_word":"done.","sentiment":"positive","sentiment_score":0.6941661834716797},{"word":"and","start":922.38995,"end":922.47,"confidence":0.8232422,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5038784146308899},{"word":"i've","start":922.47,"end":922.62994,"confidence":0.9975586,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.5805545449256897},{"word":"got","start":922.62994,"end":922.79,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.6062163710594177},{"word":"all","start":922.79,"end":923.02997,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5196916460990906},{"word":"the","start":923.02997,"end":923.11,"confidence":0.98828125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5341460108757019},{"word":"joint","start":923.11,"end":923.61,"confidence":0.9980469,"punctuated_word":"joint","sentiment":"positive","sentiment_score":0.5111048221588135},{"word":"retirement","start":924.155,"end":924.555,"confidence":0.99609375,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.4179409444332123},{"word":"goals","start":924.555,"end":924.79504,"confidence":0.9980469,"punctuated_word":"goals","sentiment":"positive","sentiment_score":0.4293426275253296},{"word":"that","start":924.79504,"end":924.875,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.567717432975769},{"word":"we","start":924.875,"end":925.11505,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.509871244430542},{"word":"figured","start":925.11505,"end":925.35504,"confidence":0.94189453,"punctuated_word":"figured","sentiment":"positive","sentiment_score":0.5590337514877319},{"word":"out","start":925.35504,"end":925.515,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5110018253326416},{"word":"together","start":925.515,"end":925.835,"confidence":1.0,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.44957607984542847},{"word":"in","start":925.835,"end":925.995,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4798092842102051},{"word":"there","start":925.995,"end":926.23505,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.5019931197166443},{"word":"as","start":926.23505,"end":926.395,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.46366143226623535},{"word":"well","start":926.395,"end":926.895,"confidence":0.99853516,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3761057257652282},{"word":"when","start":927.435,"end":927.595,"confidence":0.8618164,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.1725923717021942},{"word":"i","start":927.595,"end":927.755,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17193284630775452},{"word":"get","start":927.755,"end":927.995,"confidence":0.99609375,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2027830481529236},{"word":"this","start":927.995,"end":928.155,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1566821038722992},{"word":"document","start":928.155,"end":928.635,"confidence":0.9980469,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.16316550970077515},{"word":"finished","start":928.635,"end":928.955,"confidence":0.99902344,"punctuated_word":"finished","sentiment":"neutral","sentiment_score":0.19581733644008636},{"word":"off","start":928.955,"end":929.275,"confidence":0.8859863,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.16517743468284607},{"word":"dot","start":929.275,"end":929.515,"confidence":0.9135742,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":0.15738031268119812},{"word":"the","start":929.515,"end":929.67505,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1343010663986206},{"word":"i's","start":929.67505,"end":929.91504,"confidence":0.9304199,"punctuated_word":"i's","sentiment":"neutral","sentiment_score":0.12411417067050934},{"word":"cross","start":929.91504,"end":930.155,"confidence":0.5361328,"punctuated_word":"cross","sentiment":"neutral","sentiment_score":0.13900606334209442},{"word":"the","start":930.155,"end":930.315,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13713251054286957},{"word":"t's","start":930.315,"end":930.635,"confidence":0.9611003,"punctuated_word":"t's,","sentiment":"neutral","sentiment_score":0.12279991060495377},{"word":"i'll","start":930.635,"end":930.875,"confidence":0.99609375,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1555171012878418},{"word":"add","start":930.875,"end":931.03503,"confidence":0.99902344,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.1503722369670868},{"word":"some","start":931.03503,"end":931.275,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.14776641130447388},{"word":"extra","start":931.275,"end":931.59503,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.15357881784439087},{"word":"projections","start":931.59503,"end":932.075,"confidence":0.99902344,"punctuated_word":"projections","sentiment":"neutral","sentiment_score":0.1431507170200348},{"word":"in","start":932.075,"end":932.155,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1743234395980835},{"word":"there","start":932.155,"end":932.395,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.18552546203136444},{"word":"just","start":932.395,"end":932.635,"confidence":0.97265625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1574789732694626},{"word":"so","start":932.635,"end":932.715,"confidence":0.9658203,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1581520289182663},{"word":"you","start":932.715,"end":932.79504,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.169286847114563},{"word":"can","start":932.79504,"end":932.955,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16771122813224792},{"word":"see","start":932.955,"end":933.435,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.15057897567749023},{"word":"where","start":933.435,"end":933.67505,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.1542890965938568},{"word":"things","start":933.67505,"end":933.995,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1654292792081833},{"word":"are","start":933.995,"end":934.155,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16330382227897644},{"word":"tracking","start":934.155,"end":934.655,"confidence":0.8815918,"punctuated_word":"tracking,","sentiment":"neutral","sentiment_score":0.15812724828720093},{"word":"and","start":934.875,"end":935.11505,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1035803034901619},{"word":"then","start":935.11505,"end":935.59503,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0998447611927986},{"word":"we","start":935.59503,"end":935.67505,"confidence":0.75634766,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13696983456611633},{"word":"can","start":935.67505,"end":935.88,"confidence":0.6879883,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14171545207500458},{"word":"kind","start":935.88,"end":936.12,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1364484429359436},{"word":"of","start":936.12,"end":936.28,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13929906487464905},{"word":"review","start":936.28,"end":936.6,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.11960642039775848},{"word":"it","start":936.6,"end":936.68,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15258218348026276},{"word":"down","start":936.68,"end":936.84,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.14157238602638245},{"word":"the","start":936.84,"end":937.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13971418142318726},{"word":"line","start":937.0,"end":937.24,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.16021621227264404},{"word":"as","start":937.24,"end":937.4,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15970271825790405},{"word":"well","start":937.4,"end":937.9,"confidence":0.99316406,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1341746598482132},{"word":"cool","start":939.56,"end":940.06,"confidence":0.98706055,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.28639495372772217},{"word":"just","start":940.2,"end":940.52,"confidence":0.7446289,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.18692505359649655},{"word":"in","start":940.52,"end":940.68,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13956499099731445},{"word":"terms","start":940.68,"end":940.92,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.14878004789352417},{"word":"of","start":940.92,"end":941.16003,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19224119186401367},{"word":"timing","start":941.16003,"end":941.66003,"confidence":0.99902344,"punctuated_word":"timing,","sentiment":"neutral","sentiment_score":0.18884488940238953},{"word":"i'll","start":942.04,"end":942.28,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.20947329699993136},{"word":"have","start":942.28,"end":942.6,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2508313059806824},{"word":"that","start":942.6,"end":942.84,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23831267654895785},{"word":"done","start":942.84,"end":943.08,"confidence":0.99316406,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.21792855858802795},{"word":"for","start":943.08,"end":943.24,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.26792430877685547},{"word":"you","start":943.24,"end":943.4,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27279964089393616},{"word":"this","start":943.4,"end":943.64,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.25148066878318787},{"word":"week","start":943.64,"end":944.14,"confidence":0.7895508,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.24010485410690308},{"word":"and","start":944.6,"end":945.1,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2191374748945236},{"word":"i","start":945.64,"end":945.96,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2269526720046997},{"word":"do","start":945.96,"end":946.2,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23197585344314575},{"word":"have","start":946.2,"end":946.44,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22915123403072357},{"word":"a","start":946.44,"end":946.52,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20759211480617523},{"word":"bit","start":946.52,"end":946.68,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2112182229757309},{"word":"of","start":946.68,"end":946.84,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21746306121349335},{"word":"time","start":946.84,"end":947.16003,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.18158617615699768},{"word":"free","start":947.16003,"end":947.4,"confidence":0.609375,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.16753046214580536},{"word":"next","start":947.4,"end":947.64,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.21700233221054077},{"word":"week","start":947.64,"end":947.8,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.18087662756443024},{"word":"just","start":947.8,"end":948.04,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2299201786518097},{"word":"to","start":948.04,"end":948.2,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1923884749412537},{"word":"run","start":948.2,"end":948.44,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.18287552893161776},{"word":"through","start":948.44,"end":948.6,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.20694728195667267},{"word":"that","start":948.6,"end":948.84,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19790852069854736},{"word":"document","start":948.84,"end":949.32,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.2093631625175476},{"word":"with","start":949.32,"end":949.48,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2424183487892151},{"word":"you","start":949.48,"end":949.72003,"confidence":0.8227539,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.1969832181930542},{"word":"and","start":949.72003,"end":949.88,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11347700655460358},{"word":"then","start":949.88,"end":950.04,"confidence":0.9604492,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1286063939332962},{"word":"i'll","start":950.04,"end":950.2,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09367116540670396},{"word":"do","start":950.2,"end":950.52,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07739776372909546},{"word":"daniella","start":950.52,"end":951.0,"confidence":0.83121747,"punctuated_word":"Daniella","sentiment":"neutral","sentiment_score":0.07868102937936783},{"word":"separately","start":951.0,"end":951.5,"confidence":0.9980469,"punctuated_word":"separately.","sentiment":"neutral","sentiment_score":0.08643718808889389},{"word":"can","start":952.425,"end":952.66504,"confidence":0.98828125,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.06784576177597046},{"word":"i","start":952.66504,"end":952.905,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09322409331798552},{"word":"book","start":952.905,"end":953.145,"confidence":0.99902344,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.11447372287511826},{"word":"in","start":953.145,"end":953.305,"confidence":0.5180664,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0961740016937256},{"word":"to","start":953.305,"end":953.385,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09565404802560806},{"word":"run","start":953.385,"end":953.625,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.08545654267072678},{"word":"through","start":953.625,"end":953.865,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10628172755241394},{"word":"that","start":953.865,"end":954.10504,"confidence":0.982666,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.10206569731235504},{"word":"i'll","start":954.10504,"end":954.425,"confidence":0.99609375,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10263289511203766},{"word":"email","start":954.425,"end":954.66504,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.10772237926721571},{"word":"it","start":954.66504,"end":954.905,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10369803756475449},{"word":"to","start":954.905,"end":954.98505,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09055162966251372},{"word":"you","start":954.98505,"end":955.22504,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.078458771109581},{"word":"prior","start":955.22504,"end":955.72504,"confidence":0.85131836,"punctuated_word":"prior,","sentiment":"neutral","sentiment_score":0.11249857395887376},{"word":"but","start":955.78503,"end":955.945,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07028842717409134},{"word":"is","start":955.945,"end":956.10504,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.049911126494407654},{"word":"there","start":956.10504,"end":956.185,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08481824398040771},{"word":"a","start":956.185,"end":956.34503,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07623331993818283},{"word":"good","start":956.34503,"end":956.585,"confidence":0.9970703,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.07959720492362976},{"word":"day","start":956.585,"end":956.825,"confidence":0.92822266,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.14084696769714355},{"word":"and","start":956.825,"end":956.98505,"confidence":0.9614258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11911585927009584},{"word":"time","start":956.98505,"end":957.48505,"confidence":0.99316406,"punctuated_word":"time?","sentiment":"neutral","sentiment_score":0.0979299396276474},{"word":"yeah","start":959.78503,"end":960.28503,"confidence":0.9814453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22717928886413577},{"word":"monday","start":966.10504,"end":966.425,"confidence":0.5267334,"punctuated_word":"Monday,","sentiment":"neutral","sentiment_score":0.1319594383239746},{"word":"avo","start":966.425,"end":966.9,"confidence":0.5891113,"punctuated_word":"Avo","sentiment":"neutral","sentiment_score":0.164775550365448},{"word":"next","start":966.9,"end":967.35596,"confidence":0.9301758,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.15295788645744324},{"word":"week","start":967.35596,"end":967.8118,"confidence":0.95458984,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.14751434326171875},{"word":"perfect","start":967.8118,"end":968.26776,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4198322892189026},{"word":"monday","start":968.26776,"end":968.72363,"confidence":0.9289551,"punctuated_word":"Monday,","sentiment":"neutral","sentiment_score":0.15895143151283264},{"word":"avo","start":968.72363,"end":969.17957,"confidence":0.80411786,"punctuated_word":"Avo,","sentiment":"neutral","sentiment_score":0.13422957062721252},{"word":"we'll","start":969.17957,"end":969.6355,"confidence":0.83081055,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1390160620212555},{"word":"do","start":969.6355,"end":970.0914,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12592196464538574},{"word":"12:00","start":970.0914,"end":971.0032,"confidence":0.9995117,"punctuated_word":"12:00","sentiment":"neutral","sentiment_score":0.16755662858486176},{"word":"next","start":971.0032,"end":971.4591,"confidence":0.99609375,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.13116863369941711},{"word":"week","start":971.4591,"end":971.91504,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.10310378670692444},{"word":"on","start":971.91504,"end":972.3709,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13461185991764069},{"word":"the","start":972.3709,"end":972.82684,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14564812183380127},{"word":"august","start":972.82684,"end":973.51074,"confidence":0.9998372,"punctuated_word":"August","sentiment":"neutral","sentiment_score":0.1278894990682602},{"word":"3","start":973.51074,"end":974.1946,"confidence":0.9998372,"punctuated_word":"3.","sentiment":"neutral","sentiment_score":0.10799385607242584},{"word":"just","start":974.1946,"end":974.65045,"confidence":0.7114258,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.1105462834239006},{"word":"you","start":974.65045,"end":975.1064,"confidence":0.7216797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0440521314740181},{"word":"is","start":975.1064,"end":975.5623,"confidence":0.82373047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.044366203248500824},{"word":"fine","start":975.5623,"end":976.0182,"confidence":1.0,"punctuated_word":"fine","sentiment":"neutral","sentiment_score":0.07020371407270432},{"word":"for","start":976.0182,"end":976.4741,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04846407473087311},{"word":"this","start":976.4741,"end":976.93,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0934274196624756},{"word":"one","start":976.93,"end":977.3859,"confidence":0.9995117,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.08426573872566223},{"word":"i'm","start":977.3859,"end":977.84186,"confidence":0.8442383,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04921772703528404},{"word":"just","start":977.84186,"end":978.2977,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04996782913804054},{"word":"finishing","start":978.2977,"end":978.75366,"confidence":0.8833008,"punctuated_word":"finishing","sentiment":"neutral","sentiment_score":0.04587332159280777},{"word":"off","start":978.75366,"end":979.20953,"confidence":0.89208984,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.044806402176618576},{"word":"a","start":979.20953,"end":979.66547,"confidence":0.8017578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05114679038524628},{"word":"few","start":979.66547,"end":980.1214,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.04437021166086197},{"word":"things","start":980.1214,"end":980.5773,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.012643303722143171},{"word":"for","start":980.5773,"end":981.0332,"confidence":0.81640625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0296846441924572},{"word":"daniella","start":981.0332,"end":981.4891,"confidence":0.8922119,"punctuated_word":"Daniella,","sentiment":"neutral","sentiment_score":0.053873948752880096},{"word":"but","start":981.4891,"end":981.945,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.008777264505624771},{"word":"i'll","start":981.945,"end":982.105,"confidence":0.99658203,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09005288779735565},{"word":"do","start":982.105,"end":982.225,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09204304963350296},{"word":"i'll","start":982.34503,"end":982.425,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12909111380577087},{"word":"get","start":982.425,"end":982.665,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12097295373678207},{"word":"this","start":982.665,"end":983.065,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07747502624988556},{"word":"out","start":983.065,"end":983.22504,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.16450724005699158},{"word":"of","start":983.22504,"end":983.305,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02557375282049179},{"word":"the","start":983.305,"end":983.385,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1000213623046875},{"word":"way","start":983.385,"end":983.625,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.19229209423065183},{"word":"now","start":983.625,"end":983.78503,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.17250508069992063},{"word":"just","start":983.78503,"end":984.025,"confidence":0.95410156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1329723596572876},{"word":"so","start":984.025,"end":984.185,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10491520911455154},{"word":"we","start":984.185,"end":984.265,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.28413787484169006},{"word":"can","start":984.265,"end":984.425,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2740858495235443},{"word":"get","start":984.425,"end":984.585,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.25552257895469666},{"word":"yours","start":984.585,"end":985.085,"confidence":0.9970703,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":0.3261701464653015},{"word":"up","start":985.305,"end":985.545,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3413501977920532},{"word":"to","start":985.545,"end":985.625,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2781549096107483},{"word":"speed","start":985.625,"end":986.125,"confidence":0.8967285,"punctuated_word":"speed,","sentiment":"neutral","sentiment_score":0.24318905174732208},{"word":"and","start":986.185,"end":986.34503,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16149714589118958},{"word":"then","start":986.34503,"end":986.585,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14912638068199158},{"word":"i'll","start":986.585,"end":986.745,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.22192834317684176},{"word":"touch","start":986.745,"end":986.905,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.26436272263526917},{"word":"base","start":986.905,"end":987.065,"confidence":1.0,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.23414745926856995},{"word":"with","start":987.065,"end":987.305,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2588534951210022},{"word":"her","start":987.305,"end":987.545,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.19968147575855255},{"word":"afterwards","start":987.545,"end":988.045,"confidence":0.9995117,"punctuated_word":"afterwards.","sentiment":"neutral","sentiment_score":0.16694611310958862},{"word":"awesome","start":990.585,"end":991.065,"confidence":0.9289551,"punctuated_word":"Awesome,","sentiment":"positive","sentiment_score":0.8546949625015259},{"word":"mate","start":991.065,"end":991.305,"confidence":0.9650879,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.8169857859611511},{"word":"thank","start":991.305,"end":991.465,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8768130540847778},{"word":"you","start":991.465,"end":991.705,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8969449996948242},{"word":"so","start":991.705,"end":991.865,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8827059268951416},{"word":"much","start":991.865,"end":992.025,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8925925493240356},{"word":"for","start":992.025,"end":992.185,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8583927154541016},{"word":"your","start":992.185,"end":992.34503,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8693498373031616},{"word":"time","start":992.34503,"end":992.505,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.8886574506759644},{"word":"today","start":992.505,"end":992.985,"confidence":1.0,"punctuated_word":"today.","sentiment":"positive","sentiment_score":0.8776819705963135},{"word":"i","start":992.985,"end":993.22504,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6819671988487244},{"word":"will","start":993.22504,"end":993.385,"confidence":0.99609375,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.6264547109603882},{"word":"jump","start":993.385,"end":993.71094,"confidence":1.0,"punctuated_word":"jump","sentiment":"positive","sentiment_score":0.7008559703826904},{"word":"straight","start":993.71094,"end":993.9509,"confidence":1.0,"punctuated_word":"straight","sentiment":"positive","sentiment_score":0.6790438890457153},{"word":"into","start":993.9509,"end":994.1909,"confidence":1.0,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.6078588366508484},{"word":"it","start":994.1909,"end":994.5109,"confidence":0.9187012,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.5158254504203796},{"word":"and","start":994.5109,"end":994.7509,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4480476677417755},{"word":"then","start":994.7509,"end":995.2509,"confidence":1.0,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.3885403871536255},{"word":"we'll","start":995.55096,"end":995.71094,"confidence":0.84521484,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.47444725036621094},{"word":"run","start":995.71094,"end":995.9509,"confidence":1.0,"punctuated_word":"run","sentiment":"positive","sentiment_score":0.595910906791687},{"word":"through","start":995.9509,"end":996.27094,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.6012437343597412},{"word":"any","start":996.27094,"end":996.59094,"confidence":1.0,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.3957284688949585},{"word":"questions","start":996.59094,"end":996.91095,"confidence":1.0,"punctuated_word":"questions","sentiment":"positive","sentiment_score":0.357136070728302},{"word":"you've","start":996.91095,"end":997.15094,"confidence":1.0,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.4408182501792908},{"word":"got","start":997.15094,"end":997.65094,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4385762512683869},{"word":"next","start":997.71094,"end":997.9509,"confidence":0.97314453,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.33691731095314026},{"word":"week","start":997.9509,"end":998.1909,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.3032929599285126},{"word":"on","start":998.1909,"end":998.35095,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3698388934135437},{"word":"monday","start":998.35095,"end":998.85095,"confidence":0.9995117,"punctuated_word":"Monday.","sentiment":"positive","sentiment_score":0.4348779320716858},{"word":"awesome","start":1001.0709,"end":1001.47095,"confidence":0.98657227,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.774523138999939},{"word":"have","start":1001.47095,"end":1001.5509,"confidence":0.99902344,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.7731819748878479},{"word":"a","start":1001.5509,"end":1001.6309,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7530562281608582},{"word":"great","start":1001.6309,"end":1001.8709,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.8425005078315735},{"word":"day","start":1001.8709,"end":1002.03094,"confidence":0.9951172,"punctuated_word":"day,","sentiment":"positive","sentiment_score":0.8035351037979126},{"word":"dom","start":1002.03094,"end":1002.35095,"confidence":0.94018555,"punctuated_word":"Dom.","sentiment":"positive","sentiment_score":0.7678531408309937},{"word":"cheers","start":1002.35095,"end":1002.85095,"confidence":1.0,"punctuated_word":"Cheers.","sentiment":"positive","sentiment_score":0.6821478605270386},{"word":"bye","start":1004.35095,"end":1004.85095,"confidence":0.9970703,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.11076577752828598}],"paragraphs":{"transcript":"\nGood afternoon, Dominic. Tommy here from. How are you doing? I'm living the dream so far. The sun's out.\n\nIt's not too cool. How about your end? Getting by, mate. Getting by. Yeah.\n\nPretty good. Pretty good. It's Monday's always great. Nice and early on top of things. I had a few things that I wanted to run through with you today.\n\nI've got a bit of an updated strategy to send through. Quite a beautiful few things that we're doing, but couple of checks I wanted to do before I send it through to you, if that's alright. Perfect. So I'm just gonna do a quick security check with you. I'll run through what I'm thinking, and then just let me know if there's anything else I need to cover.\n\nSo can you just confirm date of birth and address for security for me, please? Sensational. And I'm a registered with adviser one two seven three one zero five. Mate, first part I wanted to start with was just going through contributions. We ran a report for all clients, and we've got some contributions you've been making into the old server.\n\nAnd I just wanna check with you if you needed any assistance in the paperwork to claim it for the tax return. Yes. No. So you've been putting in, I think, a thousand dollars a month into the super. So what happens is it goes in as a personal contribution.\n\nAnd for the tax return, we've got to do a notice of intent to claim form and basically saying, hey. You put in 4,500 so far that financial year. We would like to claim it on the tax return. Absolutely. You haven't done your tax return yet, have you?\n\nPerfect. I will get Michelle and the team onto that today for you. Easy done. So I've just factored into the plan, the the SGC that has been coming through from some of the sources of funds. Mostly, it's a thousand dollars a month.\n\nThat's great. The I've got an updated portfolio for you as well, which is mixing in a few extra things. I've found a lot cheaper investments, a lot lower fees, a lot better performance for you guys, so I'm gonna mix that in for both. And the other thing was just when it comes to the old insurance checks. So the Ali insurance that you've got, that's technically for, like, life insurance, trauma insurance for, like, heart attack, stroke, and cancer, and it's a joint policy for both of you guys.\n\nSo what I've done is I've found an insurer who will give you income protection. They were a bit iffy about the occupation because you do a lot of working from home. Normally, it's okay, but they just wanted to check that you do actually see some clients at all, whether you do leave the house to talk to somebody, go check-in with clients, and things like that. Do you know by any chance, you know, when you go do your tax return, claim a bit of travel to go see some clients or anything like that? Perfect.\n\nEasy done. So found a beautiful insurer that I'll send through to you in this document as well. They are offering life, TPD, and income protection for under a thousand bucks for all three. So that one's looking really good. Just needed to check that with you.\n\nThe only thing was I was looking to try and replace the Ali insurance and get the life insurance into the super. But just because it's a joint policy and you've got that trauma benefit there, I was just lumping the life and disability on top inside the super because I didn't wanna say, hey. You go cancel your portion, and Danielle is on there as well. Just wanted to actually run that by you guys to make sure, one, still wanna keep that one in place for the trauma cover and everything, and if you're okay for me to kind of add a bit extra on through super. Yeah.\n\nYeah. The breadwinner, so to speak. Yeah. Yep. Yep.\n\nNo. It makes perfect sense to me. Based on my research so far, like, I've found really good deals when it comes to, like, the life insurance portion of it. It's really just trauma side of things. So what I'll do is I'll do up a quote for trauma insurance too to see if it is worth popping off of there.\n\nAnd then if not, you may wanna keep it, but I'll just get the other covers through the super. When it comes to the income protection, just bear in mind, I think we were quoting it for, like, a a ninety day waiting period, I believe, just to make sure that it's the premiums are low. And if you're out of work for a few months, it'll kick in monthly for quite a while. Because it has come to under 1,000, do you want me to look at something more like a thirty day waiting period, or do you still have the the financial backing to to last a couple of months? Yep.\n\nEasy done. And the my hesitancy initially was because of the you don't have contributions coming in from all the different sources of income. I didn't want too much premiums dragging the super backwards. But if you can maintain that contributions that you're doing now, that changes the the conversation completely, and I can base it off of an affordability metric to say as long as premiums are below, say, 30% of your contributions, we'll consider that as affordable in the projections. Mhmm.\n\nYep. Mhmm. Yep. Absolutely. So I'll keep an eye on that, and I'll put that together.\n\nAnd like I said, I'll get the team to do the forms for the claiming of the contributions. Just make sure that you get the confirmation letter before you submit your tax return. Otherwise, they they lock you out. That's all. Cool.\n\nSo I'll sort that out. The only other thing when it comes to the Ali insurance is they've been sending through statements to us, but redacting each other's details. So we got one for Daniella, but it's got all of your details redacted. And I'm just wondering if you guys possibly have a statement floating around that you could flick through that's a bit more up to date. That might be helpful.\n\nCool. What what we'll do, if we do an authority on, like, Danielle of her details, they redact yours. So it's not like a joint authority. So we're gonna do, like, a separate one for you, one for her, and they just keep blacking out half the info. If you've got one, that's the quickest.\n\nIf not, we'll do an authority for yours, and it's just to get the updated premiums, really. Just a statement or a certificate of currency or an anniversary notice, whatever they've emailed through. I'll get that notice of intent to claim form done and then send you through the details. You can just reply to that. That way, it's all all in one spot for you.\n\nOutside of that, quick double check on details, make sure it hasn't changed too much. So we're obviously doing the same kind of work, which is great. Do you know how you finished up for the financial year income wise overall? Yeah. Just a gross amount.\n\nI think we was thinking somewhere between $70.80. Yeah. Yeah. No. That's fine.\n\nI can go off that as a revenue because, obviously, the you know, getting SGC from all of those sources of income, so I'll just base it on what's coming into the account plus the thousand a month. And I'll just put that as an income estimate gross for the time being. Fantastic. Outside of that, the mortgage, has it dropped down below 300? Perfect.\n\nHow far down do you reckon? What's a bit of an estimate? And while you're doing that, I'm just gonna do a quick valuation update. 282. Perfect.\n\nAnd home value, I'm I'm assuming you've benefited from the last twelve months crested above a mil now. Yep. Yep. I'll put 1,000,000 for now. It's not gonna make too much of a difference.\n\nAnd just for, like, the the life and disability cover, so there's $470,000 through Ali. I was just gonna do a flat 500,000 of both because you get some volume discounts once you click 500. Is that okay for life and total disability lump sum? Yeah. So if you pass away or can never work again, there's 0.5 a mil.\n\nPay off the mortgage, couple of $100 left over, and then you've got your income protection kicking in for that monthly replacement. Yeah. Cool. We can always adjust it, but I'll apply for that for now because anything below that, it's almost more expensive than just going for the round figure. And anytime you decrease, easy done.\n\nIt's just literally a quote or a letter. But if you increase cover, you gotta go through, like, underwriting medical questions, all that kind of thing. So rather just give you a bit of a buffer, do it once, should let you be pretty comfortable for a while. And then if we adjust it, it won't be for a few years' time. Perfect.\n\nOutside of that, I just had a bit of shares, bit of offset. I think you guys had about $20 in offset last time I spoke to you. No. That's fair. Yes.\n\nYep. No. That's fair enough. Just just some update on the assets and liabilities there. And just quickly, so we've got focusing on the business, the mortgage, boost up the super, sort out the insurances, little bit holidays.\n\nAnything else you guys are focusing on the next couple of years I need to factor in as a goal or consideration? Yep. Cool. And then one of the things that we're gonna come back to as a fourth priority is basically focus on the mortgage, the holidays, the savings first, and the business. And then after all that's done, we can come back to personal investing, whether it be for you guys or the children, but a bit further down the track.\n\nCool. Alrighty. Any questions for me so far? Mhmm. Easy done.\n\nAnd I've got all the joint retirement goals that we figured out together in there as well. When I get this document finished off, dot the i's cross the t's, I'll add some extra projections in there just so you can see where things are tracking, and then we can kind of review it down the line as well. Cool. Just in terms of timing, I'll have that done for you this week, and I do have a bit of time free next week just to run through that document with you, and then I'll do Daniella separately. Can I book in to run through that?\n\nI'll email it to you prior, but is there a good day and time? Yeah. Monday, Avo next week. Perfect. Monday, Avo, we'll do 12:00 next week on the August 3.\n\nJust you is fine for this one. I'm just finishing off a few things for Daniella, but I'll do I'll get this out of the way now just so we can get yours up to speed, and then I'll touch base with her afterwards. Awesome, mate. Thank you so much for your time today. I will jump straight into it, and then we'll run through any questions you've got next week on Monday.\n\nAwesome. Have a great day, Dom. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Dominic.","start":2.1599998,"end":3.28,"sentiment":"neutral","sentiment_score":0.29007525245348614},{"text":"Tommy here from.","start":3.28,"end":4.26,"sentiment":"neutral","sentiment_score":0.27071906129519147},{"text":"How are you doing?","start":4.3199997,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.24139609560370445},{"text":"I'm living the dream so far.","start":6.48,"end":8.0,"sentiment":"neutral","sentiment_score":0.17912815635402998},{"text":"The sun's out.","start":8.0,"end":8.8,"sentiment":"neutral","sentiment_score":0.0649040291706721}],"sentiment":"neutral","sentiment_score":0.2061814920682656,"num_words":19,"start":2.1599998,"end":8.8},{"sentences":[{"text":"It's not too cool.","start":8.8,"end":9.94,"sentiment":"neutral","sentiment_score":-0.12682388350367546},{"text":"How about your end?","start":10.24,"end":11.38,"sentiment":"neutral","sentiment_score":0.04734102264046669},{"text":"Getting by, mate.","start":20.255001,"end":21.135,"sentiment":"neutral","sentiment_score":0.22587664922078451},{"text":"Getting by.","start":21.135,"end":21.955,"sentiment":"neutral","sentiment_score":0.15402135252952576},{"text":"Yeah.","start":25.59,"end":25.91,"sentiment":"neutral","sentiment_score":0.3139600157737732}],"sentiment":"neutral","sentiment_score":0.07012151607445308,"num_words":14,"start":8.8,"end":25.91},{"sentences":[{"text":"Pretty good.","start":25.91,"end":26.31,"sentiment":"positive","sentiment_score":0.5860751569271088},{"text":"Pretty good.","start":26.31,"end":26.97,"sentiment":"positive","sentiment_score":0.6203363239765167},{"text":"It's Monday's always great.","start":27.269999,"end":28.55,"sentiment":"positive","sentiment_score":0.7010770291090012},{"text":"Nice and early on top of things.","start":28.55,"end":30.49,"sentiment":"positive","sentiment_score":0.6754272324698312},{"text":"I had a few things that I wanted to run through with you today.","start":31.109999,"end":34.47,"sentiment":"neutral","sentiment_score":0.08769492618739605}],"sentiment":"positive","sentiment_score":0.3852707128329524,"num_words":29,"start":25.91,"end":34.47},{"sentences":[{"text":"I've got a bit of an updated strategy to send through.","start":34.47,"end":37.545,"sentiment":"neutral","sentiment_score":0.08897087655284187},{"text":"Quite a beautiful few things that we're doing, but couple of checks I wanted to do before I send it through to you, if that's alright.","start":38.824997,"end":44.605,"sentiment":"neutral","sentiment_score":0.16548945324925277},{"text":"Perfect.","start":45.945,"end":46.425,"sentiment":"positive","sentiment_score":0.3742744326591492},{"text":"So I'm just gonna do a quick security check with you.","start":46.425,"end":48.824997,"sentiment":"neutral","sentiment_score":0.15061385387724097},{"text":"I'll run through what I'm thinking, and then just let me know if there's anything else I need to cover.","start":48.824997,"end":52.68,"sentiment":"neutral","sentiment_score":0.12504868172109126}],"sentiment":"neutral","sentiment_score":0.14222327371438345,"num_words":69,"start":34.47,"end":52.68},{"sentences":[{"text":"So can you just confirm date of birth and address for security for me, please?","start":53.56,"end":57.260002,"sentiment":"neutral","sentiment_score":0.03788228929042816},{"text":"Sensational.","start":62.760002,"end":63.260002,"sentiment":"neutral","sentiment_score":0.04470454528927803},{"text":"And I'm a registered with adviser one two seven three one zero five.","start":63.56,"end":67.395,"sentiment":"neutral","sentiment_score":0.020096545179302875},{"text":"Mate, first part I wanted to start with was just going through contributions.","start":68.274994,"end":72.454994,"sentiment":"neutral","sentiment_score":0.02162807506437485},{"text":"We ran a report for all clients, and we've got some contributions you've been making into the old server.","start":72.59499,"end":77.814995,"sentiment":"neutral","sentiment_score":0.004951708680508952}],"sentiment":"neutral","sentiment_score":0.02048264611054395,"num_words":61,"start":53.56,"end":77.814995},{"sentences":[{"text":"And I just wanna check with you if you needed any assistance in the paperwork to claim it for the tax return.","start":78.195,"end":85.08,"sentiment":"neutral","sentiment_score":0.016570800661363384},{"text":"Yes.","start":88.82,"end":89.32,"sentiment":"neutral","sentiment_score":-0.04002651572227478},{"text":"No.","start":99.075005,"end":99.475,"sentiment":"neutral","sentiment_score":-0.1596347689628601},{"text":"So you've been putting in, I think, a thousand dollars a month into the super.","start":99.475,"end":104.215004,"sentiment":"neutral","sentiment_score":-0.09633319228887557},{"text":"So what happens is it goes in as a personal contribution.","start":104.28,"end":107.26,"sentiment":"neutral","sentiment_score":-0.037158472632819954}],"sentiment":"neutral","sentiment_score":-0.033776895068585874,"num_words":50,"start":78.195,"end":107.26},{"sentences":[{"text":"And for the tax return, we've got to do a notice of intent to claim form and basically saying, hey.","start":107.88,"end":113.64,"sentiment":"neutral","sentiment_score":0.023028732184320687},{"text":"You put in 4,500 so far that financial year.","start":113.64,"end":116.2,"sentiment":"neutral","sentiment_score":0.0487705593307813},{"text":"We would like to claim it on the tax return.","start":116.2,"end":118.205,"sentiment":"neutral","sentiment_score":0.1295976869761944},{"text":"Absolutely.","start":121.225,"end":121.705,"sentiment":"neutral","sentiment_score":0.28035420179367065},{"text":"You haven't done your tax return yet, have you?","start":121.705,"end":123.565,"sentiment":"neutral","sentiment_score":0.03478417235116164}],"sentiment":"neutral","sentiment_score":0.05691629184447989,"num_words":49,"start":107.88,"end":123.565},{"sentences":[{"text":"Perfect.","start":124.745,"end":125.225,"sentiment":"positive","sentiment_score":0.5180811882019043},{"text":"I will get Michelle and the team onto that today for you.","start":125.225,"end":128.285,"sentiment":"positive","sentiment_score":0.4541989987095197},{"text":"Easy done.","start":129.385,"end":130.05,"sentiment":"positive","sentiment_score":0.679449737071991},{"text":"So I've just factored into the plan, the the SGC that has been coming through from some of the sources of funds.","start":130.53,"end":136.15001,"sentiment":"neutral","sentiment_score":0.12560044804757292},{"text":"Mostly, it's a thousand dollars a month.","start":136.61,"end":138.13,"sentiment":"neutral","sentiment_score":0.11532013224703926}],"sentiment":"neutral","sentiment_score":0.24767771430990912,"num_words":44,"start":124.745,"end":138.13},{"sentences":[{"text":"That's great.","start":138.13,"end":138.87,"sentiment":"positive","sentiment_score":0.7688245177268982},{"text":"The I've got an updated portfolio for you as well, which is mixing in a few extra things.","start":139.57,"end":144.71,"sentiment":"positive","sentiment_score":0.5057658089531792},{"text":"I've found a lot cheaper investments, a lot lower fees, a lot better performance for you guys, so I'm gonna mix that in for both.","start":145.295,"end":151.795,"sentiment":"positive","sentiment_score":0.5056069338321686},{"text":"And the other thing was just when it comes to the old insurance checks.","start":152.255,"end":156.99,"sentiment":"neutral","sentiment_score":0.033674797375819514},{"text":"So the Ali insurance that you've got, that's technically for, like, life insurance, trauma insurance for, like, heart attack, stroke, and cancer, and it's a joint policy for both of you guys.","start":157.87001,"end":169.57,"sentiment":"neutral","sentiment_score":0.0820848104194738}],"sentiment":"neutral","sentiment_score":0.28988756086922934,"num_words":91,"start":138.13,"end":169.57},{"sentences":[{"text":"So what I've done is I've found an insurer who will give you income protection.","start":171.10501,"end":175.52501,"sentiment":"neutral","sentiment_score":0.07091915433605513},{"text":"They were a bit iffy about the occupation because you do a lot of working from home.","start":176.865,"end":182.32501,"sentiment":"neutral","sentiment_score":-0.0742838801268269},{"text":"Normally, it's okay, but they just wanted to check that you do actually see some clients at all, whether you do leave the house to talk to somebody, go check-in with clients, and things like that.","start":184.05,"end":195.35,"sentiment":"neutral","sentiment_score":0.044104421304331884},{"text":"Do you know by any chance, you know, when you go do your tax return, claim a bit of travel to go see some clients or anything like that?","start":195.49,"end":202.055,"sentiment":"neutral","sentiment_score":0.041902303824137},{"text":"Perfect.","start":207.555,"end":208.055,"sentiment":"positive","sentiment_score":0.39644524455070496}],"sentiment":"neutral","sentiment_score":0.030615638523381585,"num_words":98,"start":171.10501,"end":208.055},{"sentences":[{"text":"Easy done.","start":209.635,"end":210.275,"sentiment":"positive","sentiment_score":0.5748239159584045},{"text":"So found a beautiful insurer that I'll send through to you in this document as well.","start":210.275,"end":214.63,"sentiment":"positive","sentiment_score":0.4387110397219658},{"text":"They are offering life, TPD, and income protection for under a thousand bucks for all three.","start":215.25,"end":221.59,"sentiment":"neutral","sentiment_score":0.26896158047020435},{"text":"So that one's looking really good.","start":222.93001,"end":224.29001,"sentiment":"positive","sentiment_score":0.7687818706035614},{"text":"Just needed to check that with you.","start":224.29001,"end":225.795,"sentiment":"neutral","sentiment_score":0.27639773913792204}],"sentiment":"positive","sentiment_score":0.4046784075016671,"num_words":47,"start":209.635,"end":225.795},{"sentences":[{"text":"The only thing was I was looking to try and replace the Ali insurance and get the life insurance into the super.","start":226.915,"end":232.755,"sentiment":"neutral","sentiment_score":-0.01341893117536198},{"text":"But just because it's a joint policy and you've got that trauma benefit there, I was just lumping the life and disability on top inside the super because I didn't wanna say, hey.","start":232.755,"end":242.92,"sentiment":"neutral","sentiment_score":0.0474660108853696},{"text":"You go cancel your portion, and Danielle is on there as well.","start":242.98,"end":246.36,"sentiment":"neutral","sentiment_score":-0.006904222071170807},{"text":"Just wanted to actually run that by you guys to make sure, one, still wanna keep that one in place for the trauma cover and everything, and if you're okay for me to kind of add a bit extra on through super.","start":246.5,"end":266.01498,"sentiment":"neutral","sentiment_score":0.08232163699964683},{"text":"Yeah.","start":295.885,"end":296.1,"sentiment":"neutral","sentiment_score":-0.025496751070022583}],"sentiment":"neutral","sentiment_score":0.04200293828563934,"num_words":110,"start":226.915,"end":296.1},{"sentences":[{"text":"Yeah.","start":329.41,"end":329.91,"sentiment":"neutral","sentiment_score":-0.05650517717003822},{"text":"The breadwinner, so to speak.","start":336.865,"end":338.485,"sentiment":"neutral","sentiment_score":0.017734017968177796},{"text":"Yeah.","start":349.68,"end":350.18,"sentiment":"neutral","sentiment_score":-0.07248455286026001},{"text":"Yep.","start":361.69498,"end":362.19498,"sentiment":"neutral","sentiment_score":0.16178517043590546},{"text":"Yep.","start":384.205,"end":384.525,"sentiment":"neutral","sentiment_score":0.09206646680831908}],"sentiment":"neutral","sentiment_score":0.023725777450535033,"num_words":9,"start":329.41,"end":384.525},{"sentences":[{"text":"No.","start":384.525,"end":384.76498,"sentiment":"neutral","sentiment_score":0.003811635076999664},{"text":"It makes perfect sense to me.","start":384.76498,"end":386.465,"sentiment":"neutral","sentiment_score":0.27180467545986176},{"text":"Based on my research so far, like, I've found really good deals when it comes to, like, the life insurance portion of it.","start":386.925,"end":393.245,"sentiment":"positive","sentiment_score":0.3834138642186704},{"text":"It's really just trauma side of things.","start":393.245,"end":395.19998,"sentiment":"neutral","sentiment_score":0.05159568254436765},{"text":"So what I'll do is I'll do up a quote for trauma insurance too to see if it is worth popping off of there.","start":395.19998,"end":401.69998,"sentiment":"neutral","sentiment_score":0.2500594227264325}],"sentiment":"neutral","sentiment_score":0.2756681063624679,"num_words":61,"start":384.525,"end":401.69998},{"sentences":[{"text":"And then if not, you may wanna keep it, but I'll just get the other covers through the super.","start":401.75998,"end":406.18,"sentiment":"neutral","sentiment_score":0.07766686183841605},{"text":"When it comes to the income protection, just bear in mind, I think we were quoting it for, like, a a ninety day waiting period, I believe, just to make sure that it's the premiums are low.","start":408.08,"end":418.39502,"sentiment":"neutral","sentiment_score":0.1143131421224491},{"text":"And if you're out of work for a few months, it'll kick in monthly for quite a while.","start":418.39502,"end":422.91,"sentiment":"neutral","sentiment_score":-0.16145415811075103},{"text":"Because it has come to under 1,000, do you want me to look at something more like a thirty day waiting period, or do you still have the the financial backing to to last a couple of months?","start":424.11002,"end":432.45,"sentiment":"neutral","sentiment_score":0.020882452249919112},{"text":"Yep.","start":442.565,"end":442.965,"sentiment":"positive","sentiment_score":0.48793110251426697}],"sentiment":"neutral","sentiment_score":0.036111027216621204,"num_words":113,"start":401.75998,"end":442.965},{"sentences":[{"text":"Easy done.","start":442.965,"end":443.945,"sentiment":"positive","sentiment_score":0.6440948247909546},{"text":"And the my hesitancy initially was because of the you don't have contributions coming in from all the different sources of income.","start":444.085,"end":451.9,"sentiment":"neutral","sentiment_score":-0.07917854833331975},{"text":"I didn't want too much premiums dragging the super backwards.","start":452.12,"end":455.02,"sentiment":"neutral","sentiment_score":-0.26095478385686877},{"text":"But if you can maintain that contributions that you're doing now, that changes the the conversation completely, and I can base it off of an affordability metric to say as long as premiums are below, say, 30% of your contributions, we'll consider that as affordable in the projections.","start":455.08,"end":471.69498,"sentiment":"neutral","sentiment_score":0.27695270301774144},{"text":"Mhmm.","start":484.65,"end":485.15,"sentiment":"neutral","sentiment_score":0.0729411244392395}],"sentiment":"neutral","sentiment_score":0.12413716405989175,"num_words":83,"start":442.965,"end":485.15},{"sentences":[{"text":"Yep.","start":491.21,"end":491.475,"sentiment":"neutral","sentiment_score":0.21324411034584043},{"text":"Mhmm.","start":499.475,"end":499.975,"sentiment":"neutral","sentiment_score":0.14630180597305298},{"text":"Yep.","start":502.835,"end":503.23502,"sentiment":"neutral","sentiment_score":0.2864418029785156},{"text":"Absolutely.","start":503.23502,"end":503.73502,"sentiment":"positive","sentiment_score":0.4345109462738037},{"text":"So I'll keep an eye on that, and I'll put that together.","start":503.875,"end":505.975,"sentiment":"neutral","sentiment_score":0.2826360911130905}],"sentiment":"neutral","sentiment_score":0.2795082349330187,"num_words":16,"start":491.21,"end":505.975},{"sentences":[{"text":"And like I said, I'll get the team to do the forms for the claiming of the contributions.","start":506.52002,"end":511.02002,"sentiment":"neutral","sentiment_score":0.17606852741705048},{"text":"Just make sure that you get the confirmation letter before you submit your tax return.","start":511.48,"end":516.7,"sentiment":"neutral","sentiment_score":0.09422525117794672},{"text":"Otherwise, they they lock you out.","start":518.36,"end":519.675,"sentiment":"negative","sentiment_score":-0.40920942028363544},{"text":"That's all.","start":519.675,"end":520.415,"sentiment":"neutral","sentiment_score":-0.07148315198719501},{"text":"Cool.","start":522.15497,"end":522.635,"sentiment":"positive","sentiment_score":0.4498973488807678}],"sentiment":"neutral","sentiment_score":0.05795920915192082,"num_words":42,"start":506.52002,"end":522.635},{"sentences":[{"text":"So I'll sort that out.","start":522.635,"end":523.595,"sentiment":"neutral","sentiment_score":0.15511724706739188},{"text":"The only other thing when it comes to the Ali insurance is they've been sending through statements to us, but redacting each other's details.","start":523.595,"end":531.695,"sentiment":"neutral","sentiment_score":-0.07805235940031707},{"text":"So we got one for Daniella, but it's got all of your details redacted.","start":532.66003,"end":536.36005,"sentiment":"neutral","sentiment_score":-0.04217724990199453},{"text":"And I'm just wondering if you guys possibly have a statement floating around that you could flick through that's a bit more up to date.","start":536.66003,"end":542.66003,"sentiment":"neutral","sentiment_score":0.004167429804801941},{"text":"That might be helpful.","start":542.66003,"end":543.72003,"sentiment":"neutral","sentiment_score":0.18027915805578232}],"sentiment":"neutral","sentiment_score":-0.011984020993824944,"num_words":72,"start":522.635,"end":543.72003},{"sentences":[{"text":"Cool.","start":547.22003,"end":547.515,"sentiment":"neutral","sentiment_score":0.10814787447452544},{"text":"What what we'll do, if we do an authority on, like, Danielle of her details, they redact yours.","start":547.59503,"end":554.97504,"sentiment":"neutral","sentiment_score":-0.020150283170450065},{"text":"So it's not like a joint authority.","start":555.03503,"end":556.47504,"sentiment":"neutral","sentiment_score":-0.053876923131091256},{"text":"So we're gonna do, like, a separate one for you, one for her, and they just keep blacking out half the info.","start":556.47504,"end":562.04,"sentiment":"neutral","sentiment_score":-0.18059183513237673},{"text":"If you've got one, that's the quickest.","start":562.98,"end":564.57996,"sentiment":"neutral","sentiment_score":0.09549213945865631}],"sentiment":"neutral","sentiment_score":-0.07156856511296196,"num_words":55,"start":547.22003,"end":564.57996},{"sentences":[{"text":"If not, we'll do an authority for yours, and it's just to get the updated premiums, really.","start":564.57996,"end":569.48,"sentiment":"neutral","sentiment_score":0.03737699766369427},{"text":"Just a statement or a certificate of currency or an anniversary notice, whatever they've emailed through.","start":573.3,"end":579.405,"sentiment":"neutral","sentiment_score":0.04705809336155653},{"text":"I'll get that notice of intent to claim form done and then send you through the details.","start":581.945,"end":586.425,"sentiment":"neutral","sentiment_score":0.11243204027414322},{"text":"You can just reply to that.","start":586.425,"end":588.56,"sentiment":"neutral","sentiment_score":0.10780776540438335},{"text":"That way, it's all all in one spot for you.","start":590.45996,"end":593.27997,"sentiment":"positive","sentiment_score":0.5128921121358871}],"sentiment":"neutral","sentiment_score":0.13750683109868655,"num_words":66,"start":564.57996,"end":593.27997},{"sentences":[{"text":"Outside of that, quick double check on details, make sure it hasn't changed too much.","start":594.94,"end":599.205,"sentiment":"neutral","sentiment_score":0.14209249665339788},{"text":"So we're obviously doing the same kind of work, which is great.","start":599.445,"end":603.525,"sentiment":"positive","sentiment_score":0.5665905078252157},{"text":"Do you know how you finished up for the financial year income wise overall?","start":603.525,"end":607.385,"sentiment":"neutral","sentiment_score":0.12881211111588137},{"text":"Yeah.","start":612.48505,"end":612.805,"sentiment":"neutral","sentiment_score":0.014589960686862469},{"text":"Just a gross amount.","start":612.805,"end":613.765,"sentiment":"neutral","sentiment_score":0.010701966937631369}],"sentiment":"neutral","sentiment_score":0.2345921940818105,"num_words":46,"start":594.94,"end":613.765},{"sentences":[{"text":"I think we was thinking somewhere between $70.80.","start":613.765,"end":616.7,"sentiment":"neutral","sentiment_score":-0.020130249205976725},{"text":"Yeah.","start":631.57495,"end":632.07495,"sentiment":"neutral","sentiment_score":-0.07722525298595428},{"text":"Yeah.","start":638.055,"end":638.555,"sentiment":"neutral","sentiment_score":-0.02520869672298431},{"text":"No.","start":644.92,"end":645.16003,"sentiment":"neutral","sentiment_score":-0.04542955011129379},{"text":"That's fine.","start":645.16003,"end":645.64,"sentiment":"neutral","sentiment_score":0.10367751494050026}],"sentiment":"neutral","sentiment_score":-0.007811574122080436,"num_words":13,"start":613.765,"end":645.64},{"sentences":[{"text":"I can go off that as a revenue because, obviously, the you know, getting SGC from all of those sources of income, so I'll just base it on what's coming into the account plus the thousand a month.","start":645.64,"end":655.545,"sentiment":"neutral","sentiment_score":0.11118725383360135},{"text":"And I'll just put that as an income estimate gross for the time being.","start":655.865,"end":659.565,"sentiment":"neutral","sentiment_score":0.06504322668271405},{"text":"Fantastic.","start":661.305,"end":661.805,"sentiment":"positive","sentiment_score":0.5499951243400574},{"text":"Outside of that, the mortgage, has it dropped down below 300?","start":662.185,"end":667.96497,"sentiment":"neutral","sentiment_score":0.06023188612677834},{"text":"Perfect.","start":671.45,"end":671.85,"sentiment":"positive","sentiment_score":0.4138738811016083}],"sentiment":"neutral","sentiment_score":0.10403293187801654,"num_words":65,"start":645.64,"end":671.85},{"sentences":[{"text":"How far down do you reckon?","start":671.85,"end":672.89,"sentiment":"neutral","sentiment_score":0.09900178884466489},{"text":"What's a bit of an estimate?","start":672.89,"end":674.11,"sentiment":"neutral","sentiment_score":0.04879989723364512},{"text":"And while you're doing that, I'm just gonna do a quick valuation update.","start":678.97003,"end":682.35,"sentiment":"neutral","sentiment_score":0.07092591260488217},{"text":"282.","start":689.705,"end":690.84503,"sentiment":"neutral","sentiment_score":0.06145482510328293},{"text":"Perfect.","start":691.065,"end":691.565,"sentiment":"neutral","sentiment_score":0.3153532147407532}],"sentiment":"neutral","sentiment_score":0.08095018593249498,"num_words":27,"start":671.85,"end":691.565},{"sentences":[{"text":"And home value, I'm I'm assuming you've benefited from the last twelve months crested above a mil now.","start":693.145,"end":698.67,"sentiment":"neutral","sentiment_score":0.15043602718247306},{"text":"Yep.","start":706.33,"end":706.64996,"sentiment":"neutral","sentiment_score":0.048163846135139465},{"text":"Yep.","start":706.64996,"end":706.97,"sentiment":"neutral","sentiment_score":0.046972185373306274},{"text":"I'll put 1,000,000 for now.","start":706.97,"end":708.41,"sentiment":"neutral","sentiment_score":0.05757721439003945},{"text":"It's not gonna make too much of a difference.","start":708.41,"end":710.085,"sentiment":"neutral","sentiment_score":-0.048969472034109965}],"sentiment":"neutral","sentiment_score":0.07794545130694613,"num_words":34,"start":693.145,"end":710.085},{"sentences":[{"text":"And just for, like, the the life and disability cover, so there's $470,000 through Ali.","start":712.005,"end":717.92505,"sentiment":"neutral","sentiment_score":0.03307330769797166},{"text":"I was just gonna do a flat 500,000 of both because you get some volume discounts once you click 500.","start":717.92505,"end":723.58997,"sentiment":"neutral","sentiment_score":0.0918097609654069},{"text":"Is that okay for life and total disability lump sum?","start":723.89,"end":727.99,"sentiment":"neutral","sentiment_score":0.06701779812574386},{"text":"Yeah.","start":741.425,"end":741.665,"sentiment":"neutral","sentiment_score":0.0013706274330615995},{"text":"So if you pass away or can never work again, there's 0.5 a mil.","start":741.665,"end":745.125,"sentiment":"neutral","sentiment_score":-0.04426515629581575}],"sentiment":"neutral","sentiment_score":0.03973552092211321,"num_words":60,"start":712.005,"end":745.125},{"sentences":[{"text":"Pay off the mortgage, couple of $100 left over, and then you've got your income protection kicking in for that monthly replacement.","start":745.185,"end":751.86,"sentiment":"neutral","sentiment_score":0.07523432424799963},{"text":"Yeah.","start":755.36,"end":755.86,"sentiment":"neutral","sentiment_score":0.07595393061637878},{"text":"Cool.","start":759.12,"end":759.51996,"sentiment":"neutral","sentiment_score":0.053352948278188705},{"text":"We can always adjust it, but I'll apply for that for now because anything below that, it's almost more expensive than just going for the round figure.","start":759.51996,"end":766.735,"sentiment":"neutral","sentiment_score":-0.28834731021413096},{"text":"And anytime you decrease, easy done.","start":768.075,"end":770.795,"sentiment":"neutral","sentiment_score":0.14447244629263878}],"sentiment":"neutral","sentiment_score":-0.09007159097675692,"num_words":57,"start":745.185,"end":770.795},{"sentences":[{"text":"It's just literally a quote or a letter.","start":770.795,"end":772.715,"sentiment":"neutral","sentiment_score":0.1779915876686573},{"text":"But if you increase cover, you gotta go through, like, underwriting medical questions, all that kind of thing.","start":772.715,"end":778.76,"sentiment":"neutral","sentiment_score":0.03134815332790216},{"text":"So rather just give you a bit of a buffer, do it once, should let you be pretty comfortable for a while.","start":779.78,"end":785.46,"sentiment":"positive","sentiment_score":0.3918761529705741},{"text":"And then if we adjust it, it won't be for a few years' time.","start":785.46,"end":788.28,"sentiment":"neutral","sentiment_score":0.16271039683903968},{"text":"Perfect.","start":790.26,"end":790.76,"sentiment":"positive","sentiment_score":0.5325943231582642}],"sentiment":"neutral","sentiment_score":0.21301610643664995,"num_words":63,"start":770.795,"end":790.76},{"sentences":[{"text":"Outside of that, I just had a bit of shares, bit of offset.","start":791.275,"end":794.015,"sentiment":"neutral","sentiment_score":0.1273025916172908},{"text":"I think you guys had about $20 in offset last time I spoke to you.","start":794.715,"end":798.015,"sentiment":"neutral","sentiment_score":0.06825410549839338},{"text":"No.","start":805.515,"end":805.755,"sentiment":"neutral","sentiment_score":-0.09292253851890564},{"text":"That's fair.","start":805.755,"end":806.45996,"sentiment":"neutral","sentiment_score":-0.011312572285532951},{"text":"Yes.","start":806.45996,"end":806.95996,"sentiment":"neutral","sentiment_score":0.054817814379930496}],"sentiment":"neutral","sentiment_score":0.0818129813997075,"num_words":32,"start":791.275,"end":806.95996},{"sentences":[{"text":"Yep.","start":820.06,"end":820.45996,"sentiment":"neutral","sentiment_score":0.032856933772563934},{"text":"No.","start":820.45996,"end":820.54,"sentiment":"neutral","sentiment_score":0.0020141862332820892},{"text":"That's fair enough.","start":820.54,"end":821.18,"sentiment":"neutral","sentiment_score":0.10077785948912303},{"text":"Just just some update on the assets and liabilities there.","start":821.18,"end":824.165,"sentiment":"neutral","sentiment_score":0.08637771755456924},{"text":"And just quickly, so we've got focusing on the business, the mortgage, boost up the super, sort out the insurances, little bit holidays.","start":824.705,"end":835.47,"sentiment":"neutral","sentiment_score":0.14952505477096723}],"sentiment":"neutral","sentiment_score":0.12210679299345142,"num_words":38,"start":820.06,"end":835.47},{"sentences":[{"text":"Anything else you guys are focusing on the next couple of years I need to factor in as a goal or consideration?","start":835.47,"end":840.69,"sentiment":"neutral","sentiment_score":0.0993241776119579},{"text":"Yep.","start":863.74,"end":864.24,"sentiment":"neutral","sentiment_score":0.18055343627929688},{"text":"Cool.","start":865.98004,"end":866.22003,"sentiment":"positive","sentiment_score":0.3684442639350891},{"text":"And then one of the things that we're gonna come back to as a fourth priority is basically focus on the mortgage, the holidays, the savings first, and the business.","start":866.22003,"end":874.275,"sentiment":"neutral","sentiment_score":0.2620999539891879},{"text":"And then after all that's done, we can come back to personal investing, whether it be for you guys or the children, but a bit further down the track.","start":874.515,"end":882.695,"sentiment":"neutral","sentiment_score":0.10549430009619944}],"sentiment":"neutral","sentiment_score":0.16453569795352868,"num_words":83,"start":835.47,"end":882.695},{"sentences":[{"text":"Cool.","start":883.955,"end":884.455,"sentiment":"positive","sentiment_score":0.4645126163959503},{"text":"Alrighty.","start":884.515,"end":885.015,"sentiment":"neutral","sentiment_score":0.2543300986289978},{"text":"Any questions for me so far?","start":885.635,"end":895.9513,"sentiment":"neutral","sentiment_score":0.08009692902366321},{"text":"Mhmm.","start":903.335,"end":903.835,"sentiment":"neutral","sentiment_score":0.03801468759775162},{"text":"Easy done.","start":921.82996,"end":922.38995,"sentiment":"positive","sentiment_score":0.7410185635089874}],"sentiment":"neutral","sentiment_score":0.24722510034387762,"num_words":11,"start":883.955,"end":922.38995},{"sentences":[{"text":"And I've got all the joint retirement goals that we figured out together in there as well.","start":922.38995,"end":926.895,"sentiment":"positive","sentiment_score":0.5012732516316807},{"text":"When I get this document finished off, dot the i's cross the t's, I'll add some extra projections in there just so you can see where things are tracking, and then we can kind of review it down the line as well.","start":927.435,"end":937.9,"sentiment":"neutral","sentiment_score":0.15149769027318274},{"text":"Cool.","start":939.56,"end":940.06,"sentiment":"neutral","sentiment_score":0.28639495372772217},{"text":"Just in terms of timing, I'll have that done for you this week, and I do have a bit of time free next week just to run through that document with you, and then I'll do Daniella separately.","start":940.2,"end":951.5,"sentiment":"neutral","sentiment_score":0.19296770993816226},{"text":"Can I book in to run through that?","start":952.425,"end":954.10504,"sentiment":"neutral","sentiment_score":0.09514694940298796}],"sentiment":"neutral","sentiment_score":0.2194801112812645,"num_words":106,"start":922.38995,"end":954.10504},{"sentences":[{"text":"I'll email it to you prior, but is there a good day and time?","start":954.10504,"end":957.48505,"sentiment":"neutral","sentiment_score":0.09387881255575589},{"text":"Yeah.","start":959.78503,"end":960.28503,"sentiment":"neutral","sentiment_score":0.22717928886413577},{"text":"Monday, Avo next week.","start":966.10504,"end":967.8118,"sentiment":"neutral","sentiment_score":0.14930180460214615},{"text":"Perfect.","start":967.8118,"end":968.26776,"sentiment":"positive","sentiment_score":0.4198322892189026},{"text":"Monday, Avo, we'll do 12:00 next week on the August 3.","start":968.26776,"end":974.1946,"sentiment":"neutral","sentiment_score":0.13419012860818344}],"sentiment":"neutral","sentiment_score":0.13014882538587816,"num_words":31,"start":954.10504,"end":974.1946},{"sentences":[{"text":"Just you is fine for this one.","start":974.1946,"end":977.3859,"sentiment":"neutral","sentiment_score":0.07076079504830497},{"text":"I'm just finishing off a few things for Daniella, but I'll do I'll get this out of the way now just so we can get yours up to speed, and then I'll touch base with her afterwards.","start":977.3859,"end":988.045,"sentiment":"neutral","sentiment_score":0.1459672922218168},{"text":"Awesome, mate.","start":990.585,"end":991.305,"sentiment":"positive","sentiment_score":0.8358403742313385},{"text":"Thank you so much for your time today.","start":991.305,"end":992.985,"sentiment":"positive","sentiment_score":0.88039231300354},{"text":"I will jump straight into it, and then we'll run through any questions you've got next week on Monday.","start":992.985,"end":998.85095,"sentiment":"positive","sentiment_score":0.49459906000840037}],"sentiment":"neutral","sentiment_score":0.32888105164652004,"num_words":73,"start":974.1946,"end":998.85095},{"sentences":[{"text":"Awesome.","start":1001.0709,"end":1001.47095,"sentiment":"positive","sentiment_score":0.774523138999939},{"text":"Have a great day, Dom.","start":1001.47095,"end":1002.35095,"sentiment":"positive","sentiment_score":0.7880253911018371},{"text":"Cheers.","start":1002.35095,"end":1002.85095,"sentiment":"positive","sentiment_score":0.6821478605270386},{"text":"Bye.","start":1004.35095,"end":1004.85095,"sentiment":"neutral","sentiment_score":-0.11076577752828598}],"sentiment":"positive","sentiment_score":0.6607540221884847,"num_words":8,"start":1001.0709,"end":1004.85095}]}}]},{"alternatives":[{"transcript":"Hello? Good. And yourself? At 11:00. Good. Good. And I think it says sunny and warm down here, but can't complain, mate. That's it. That's it. How's your day, Minar? Yeah. Yep. Perfect. Yep. 8 Inch Of Marsh 90946 Admirals Crescent, Tyler's Lights. Yep. Yeah. Super contributions? I don't know. I don't I I assume it's all is it not automated? Yep. Yep. Yep. Okay. Yes. Can we do that, please? No. Perfect. Yep. Yep. Yeah. Yep. Yep. Yep. Yes. Yeah. Definitely claim travel and and definitely out to see clients on a weekly basis. Yep. Okay. Yeah. Yes. Yep. Yep. So I've got I yeah. I've been meaning to and it's my fault because I keep putting the conversation off just because I've been busy and just haven't got my mindset across it yet. But I need to I probably need your help in, especially in that kind of insurance space. Now that I'm kinda working on I've obviously been working for myself for a few years now, but I need to get in a better spot in terms of I'd rather just get the best cover, whatever that is, even if that has to be on my own. I know that at the at the at the start, I was kind of I wanted to in my head, just wanted to make sure we're both in the best position we could be and if that would meant us being on the same policy. In my head, I thought that might have been the best way to go about it. But if it's not and it's better off or it's more beneficial for me to be on my own because there's there's additional benefit because I'm working for myself or whatever, I I just I need to cover myself as best as I can given I'm the I'm making I'm I'm kind of the financial sort of yeah. For lack of a a better word, like, if anything happens to me at the moment, then we're we're not supported as well as we we potentially could be. So I'd rather kind of if there's a better policy to ensure that we're getting the maximum out of it, and it's it's all coming out of the best places like Super or whatever else, I'd rather, yeah, us look into that. I hope that's made sense because it's it probably sound like a little ramble, but, yeah, I I don't want us to be constrained by anything. I'd rather just get the best cover. And if that means we need to have an alternate to the alley or us to go off, and we have to sort that out, that's so be it. Yep. Yep. Yep. Yep. Okay. Yes. I'm I'm sure we could, but anything again, anything if it means you get the money quicker if we ever needed to, I'm, yeah, happy to explore it. Yeah. Okay. Yeah. Yeah. I I I've again, I've been waiting to kind of get some stability in my income to ensure that I could get some kind of ongoing super happening per month from my end, and and and you've obviously seen that in the last couple of months, I've I've kinda got that ongoing installment going in. So, yeah, whatever that means, that's fine. Obviously, yeah, I know anything that reduces fees and all that sort of stuff. Yeah. Just the more money coming in, the better. Whatever that looks like. Yep. Yeah. No worries. Yep. That's okay. I'll have to find it. Why would I do that? Yes. Yep. Yeah. So what do you need from me? Yep. Yeah. Okay. Yeah. Oh, perfect. No worries. Yeah. I I before tax? I'm speaking. I think before tax, that would have been last year. If I'm looking at my QuickBooks, it's telling me that I'm I that about a 150 came in. So I don't know what ends up working out to once expenses and whatever's taken out of. And I don't know if I'm looking at the right numbers, but I'm pretty sure that's that's right. Yeah. Yeah. No worries. Yes. Let me get it up. So 2, I think, 2819. So 282, let's say. Yeah. I assume so. I I hope we haven't had it officially evaluated, but most of the houses around here are selling 1 mil plus. Yeah. Okay. So that would mean in the case that I couldn't work through disability or some whatever whatever else that you get 500,000 upfront. Yep. That's clean. Okay. And that would be ongoing as well. Yeah. I I guess so. Yeah. Okay. Yes. Okay. Yep. No worries. Yeah. Probably not as much this time around, I think. He's gonna add your account. With con where it's we'll be at 5 by the end of the week, I think. 5 k is not not heapsing at the moment. Yep. No. Just kind of yeah. Potentially potentially, if there's extra space to invest, we will, but, yeah, just kind of pending funds coming in. Yeah. Holidays definitely in the plans over the next couple of years, so it's it's one we'll probably try to put a bit more focus into. Otherwise, generally, the same stuff. Yep. Correct. Yep. No. No. I think, yeah, as long as everything's in a good spot, if we feel like we can get a bit more value out of whatever whatever, yeah, options are at our disposal, that's my kind of main mindset. I get what's kind of the reason why we kinda got you guys on our side is to do all the you're lever lifting for us because a lot of the the language and what to look for yeah. Because I've got no clue, and most of it goes over my head. So as long as we're in a good spot, that's my priority. Yeah. Yeah. Yeah. No worries. Yeah. Yep. Next week? I'm happy to do the same as as now if that works. Yep. Yep. Do you need us both or just just me is fine? Yes. Yes. That's fine. Yep. No worries. No worries. No. I appreciate that. Alright. Take care. Bye bye.","confidence":0.99121094,"words":[{"word":"hello","start":0.56,"end":1.06,"confidence":0.9790039,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.032263271510601044},{"word":"good","start":5.44,"end":5.68,"confidence":0.80444336,"punctuated_word":"Good.","sentiment":"neutral","sentiment_score":0.33081066608428955},{"word":"and","start":5.68,"end":5.7599998,"confidence":0.91845703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21388839185237885},{"word":"yourself","start":5.7599998,"end":6.2599998,"confidence":0.99902344,"punctuated_word":"yourself?","sentiment":"neutral","sentiment_score":0.22408358752727509},{"word":"at","start":7.12,"end":7.2799997,"confidence":0.41723633,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.16606348752975464},{"word":"11:00","start":7.2799997,"end":8.18,"confidence":0.7061157,"punctuated_word":"11:00.","sentiment":"neutral","sentiment_score":0.13714241981506348},{"word":"good","start":13.44,"end":13.84,"confidence":0.93896484,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.4000999927520752},{"word":"good","start":13.84,"end":14.08,"confidence":0.97314453,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.41642674803733826},{"word":"and","start":14.08,"end":14.32,"confidence":0.7817383,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3601714074611664},{"word":"i","start":14.32,"end":14.4,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.30956918001174927},{"word":"think","start":14.4,"end":14.719999,"confidence":0.99609375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.33102843165397644},{"word":"it","start":14.719999,"end":14.88,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.33105015754699707},{"word":"says","start":14.88,"end":15.38,"confidence":0.5307617,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.28695714473724365},{"word":"sunny","start":15.735,"end":16.055,"confidence":0.96533203,"punctuated_word":"sunny","sentiment":"neutral","sentiment_score":0.3042253255844116},{"word":"and","start":16.055,"end":16.455,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2874326705932617},{"word":"warm","start":16.455,"end":16.775,"confidence":0.98828125,"punctuated_word":"warm","sentiment":"positive","sentiment_score":0.41068682074546814},{"word":"down","start":16.775,"end":17.015,"confidence":0.984375,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.3386855721473694},{"word":"here","start":17.015,"end":17.515,"confidence":0.9399414,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.28504055738449097},{"word":"but","start":18.775,"end":18.935,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2226640284061432},{"word":"can't","start":18.935,"end":19.175,"confidence":0.75390625,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.32173436880111694},{"word":"complain","start":19.175,"end":19.654999,"confidence":0.73657227,"punctuated_word":"complain,","sentiment":"neutral","sentiment_score":0.27104005217552185},{"word":"mate","start":19.654999,"end":20.154999,"confidence":0.9904785,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.36448144912719727},{"word":"that's","start":23.015,"end":23.335,"confidence":0.9848633,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.16849079728126526},{"word":"it","start":23.335,"end":23.654999,"confidence":0.99658203,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14227965474128723},{"word":"that's","start":23.654999,"end":23.895,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15952742099761963},{"word":"it","start":23.895,"end":24.134998,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.148734912276268},{"word":"how's","start":24.134998,"end":24.375,"confidence":0.98413086,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.23386918008327484},{"word":"your","start":24.375,"end":24.535,"confidence":0.97998047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20472382009029388},{"word":"day","start":24.535,"end":24.775,"confidence":0.7561035,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.2377009093761444},{"word":"minar","start":24.775,"end":25.275,"confidence":0.4004313,"punctuated_word":"Minar?","sentiment":"neutral","sentiment_score":0.24880585074424744},{"word":"yeah","start":31.029999,"end":31.529999,"confidence":0.6940918,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2045217752456665},{"word":"yep","start":37.91,"end":38.41,"confidence":0.97021484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11371322721242905},{"word":"perfect","start":44.79,"end":45.29,"confidence":0.9609375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4172782003879547},{"word":"yep","start":53.105,"end":53.605,"confidence":0.9555664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0436767153441906},{"word":"8","start":57.86,"end":58.02,"confidence":0.61865234,"punctuated_word":"8","sentiment":"neutral","sentiment_score":0.008620338514447212},{"word":"inch","start":58.02,"end":58.18,"confidence":0.26049805,"punctuated_word":"Inch","sentiment":"neutral","sentiment_score":0.008823180571198463},{"word":"of","start":58.18,"end":58.26,"confidence":0.9921875,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.011217650026082993},{"word":"marsh","start":58.26,"end":58.739998,"confidence":0.5126953,"punctuated_word":"Marsh","sentiment":"neutral","sentiment_score":0.016741465777158737},{"word":"90946","start":58.739998,"end":60.42,"confidence":0.65788573,"punctuated_word":"90946","sentiment":"neutral","sentiment_score":0.017749490216374397},{"word":"admirals","start":60.42,"end":60.899998,"confidence":0.85839844,"punctuated_word":"Admirals","sentiment":"neutral","sentiment_score":0.02528486959636211},{"word":"crescent","start":60.899998,"end":61.219997,"confidence":0.5253906,"punctuated_word":"Crescent,","sentiment":"neutral","sentiment_score":0.02446027472615242},{"word":"tyler's","start":61.219997,"end":61.62,"confidence":0.80737305,"punctuated_word":"Tyler's","sentiment":"neutral","sentiment_score":0.035925235599279404},{"word":"lights","start":61.62,"end":62.12,"confidence":0.7895508,"punctuated_word":"Lights.","sentiment":"neutral","sentiment_score":0.029881320893764496},{"word":"yep","start":67.7,"end":68.2,"confidence":0.94677734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03809372708201408},{"word":"yeah","start":86.115,"end":86.615,"confidence":0.92578125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.003003186546266079},{"word":"super","start":86.994995,"end":87.395,"confidence":0.93603516,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":-0.009697966277599336},{"word":"contributions","start":87.395,"end":87.895,"confidence":0.8171387,"punctuated_word":"contributions?","sentiment":"neutral","sentiment_score":-0.015314563177525995},{"word":"i","start":92.15,"end":92.39,"confidence":0.83203125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10150882601737976},{"word":"don't","start":92.39,"end":92.87,"confidence":0.9975586,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.09291332960128784},{"word":"know","start":92.87,"end":92.990005,"confidence":0.99853516,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.11093568056821825},{"word":"i","start":92.990005,"end":93.11,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13948093354701996},{"word":"don't","start":93.11,"end":93.350006,"confidence":0.8479004,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.11180173605680466},{"word":"i","start":93.43,"end":93.590004,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11115704476833344},{"word":"i","start":93.590004,"end":93.75,"confidence":0.921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1271526962518692},{"word":"assume","start":93.75,"end":94.07,"confidence":0.9921875,"punctuated_word":"assume","sentiment":"neutral","sentiment_score":-0.12733249366283417},{"word":"it's","start":94.07,"end":94.310005,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08948027342557907},{"word":"all","start":94.310005,"end":94.55,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.08579524606466293},{"word":"is","start":97.43,"end":97.51,"confidence":0.90234375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10900939255952836},{"word":"it","start":97.51,"end":97.670006,"confidence":0.91015625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08518058061599731},{"word":"not","start":97.670006,"end":97.83,"confidence":0.9941406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1414116472005844},{"word":"automated","start":97.83,"end":98.33,"confidence":1.0,"punctuated_word":"automated?","sentiment":"neutral","sentiment_score":-0.11973796784877776},{"word":"yep","start":102.79,"end":103.29,"confidence":0.9016113,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06737877428531647},{"word":"yep","start":104.685005,"end":105.185005,"confidence":0.75,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.023310869932174683},{"word":"yep","start":107.885,"end":108.385,"confidence":0.78808594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.031559865921735764},{"word":"okay","start":112.765,"end":113.265,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.028196733444929123},{"word":"yes","start":119.34,"end":119.659996,"confidence":0.8823242,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13029667735099792},{"word":"can","start":119.659996,"end":119.979996,"confidence":0.9980469,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.10456722229719162},{"word":"we","start":119.979996,"end":120.06,"confidence":0.75390625,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15137040615081787},{"word":"do","start":120.06,"end":120.22,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12728169560432434},{"word":"that","start":120.22,"end":120.38,"confidence":0.9975586,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.11504068225622176},{"word":"please","start":120.38,"end":120.88,"confidence":0.9995117,"punctuated_word":"please?","sentiment":"neutral","sentiment_score":0.10733084380626678},{"word":"no","start":123.58,"end":124.08,"confidence":0.99609375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.007462635636329651},{"word":"perfect","start":128.3,"end":128.8,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6997278928756714},{"word":"yep","start":136.565,"end":137.065,"confidence":0.8249512,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08769973367452621},{"word":"yep","start":139.045,"end":139.545,"confidence":0.75219727,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3572472035884857},{"word":"yeah","start":150.51001,"end":151.01001,"confidence":0.7376709,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.26302647590637207},{"word":"yep","start":152.03,"end":152.53,"confidence":0.7709961,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13195562362670898},{"word":"yep","start":161.39,"end":161.89,"confidence":0.7910156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04452540725469589},{"word":"yep","start":170.005,"end":170.505,"confidence":0.7249756,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0667361244559288},{"word":"yes","start":182.68001,"end":183.18001,"confidence":0.951416,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03260022774338722},{"word":"yeah","start":202.55,"end":202.87,"confidence":0.94262695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11255791038274764},{"word":"definitely","start":202.87,"end":203.35,"confidence":0.99609375,"punctuated_word":"Definitely","sentiment":"neutral","sentiment_score":0.20988503098487857},{"word":"claim","start":203.35,"end":203.67,"confidence":0.4309082,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.1829070895910263},{"word":"travel","start":203.67,"end":204.07,"confidence":0.91503906,"punctuated_word":"travel","sentiment":"neutral","sentiment_score":0.20089563727378845},{"word":"and","start":204.07,"end":204.39,"confidence":0.90625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.171460822224617},{"word":"and","start":204.39,"end":204.55,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20300279557704928},{"word":"definitely","start":204.55,"end":205.05,"confidence":0.9448242,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.26215386390686035},{"word":"out","start":205.19,"end":205.35,"confidence":0.5239258,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3366680145263672},{"word":"to","start":205.35,"end":205.51,"confidence":0.96875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25830259919166565},{"word":"see","start":205.51,"end":205.75,"confidence":0.93359375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2434219121932983},{"word":"clients","start":205.75,"end":206.25,"confidence":0.9838867,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.206952303647995},{"word":"on","start":207.67,"end":207.83,"confidence":0.57421875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16539888083934784},{"word":"a","start":207.83,"end":207.99,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26562929153442383},{"word":"weekly","start":207.99,"end":208.39,"confidence":1.0,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.2695828378200531},{"word":"basis","start":208.39,"end":208.89,"confidence":1.0,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.2532106935977936},{"word":"yep","start":214.87,"end":215.37,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04887324199080467},{"word":"okay","start":222.015,"end":222.515,"confidence":0.92944336,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.49036499857902527},{"word":"yeah","start":226.175,"end":226.675,"confidence":0.7819824,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05750640481710434},{"word":"yes","start":239.2,"end":239.7,"confidence":0.79467773,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06117933243513107},{"word":"yep","start":254.405,"end":254.905,"confidence":0.85302734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05213959142565727},{"word":"yep","start":257.925,"end":258.245,"confidence":0.78466797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.045305393636226654},{"word":"so","start":258.245,"end":258.485,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.004728689789772034},{"word":"i've","start":258.485,"end":258.645,"confidence":0.875,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.0368802584707737},{"word":"got","start":258.645,"end":258.805,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.031836528331041336},{"word":"i","start":259.41,"end":259.57,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.025643132627010345},{"word":"yeah","start":259.81,"end":260.05002,"confidence":0.9951172,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.02197139896452427},{"word":"i've","start":260.05002,"end":260.53,"confidence":0.986084,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.1070832759141922},{"word":"been","start":260.53,"end":260.85,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.09585550427436829},{"word":"meaning","start":260.85,"end":261.09003,"confidence":0.99902344,"punctuated_word":"meaning","sentiment":"neutral","sentiment_score":-0.15819035470485687},{"word":"to","start":261.09003,"end":261.33002,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09897620230913162},{"word":"and","start":261.57,"end":261.81,"confidence":0.87597656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10971130430698396},{"word":"it's","start":261.81,"end":261.97,"confidence":0.92163086,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2100462019443512},{"word":"my","start":261.97,"end":262.21,"confidence":0.99609375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.282822847366333},{"word":"fault","start":262.21,"end":262.45,"confidence":1.0,"punctuated_word":"fault","sentiment":"neutral","sentiment_score":-0.2622055411338806},{"word":"because","start":262.45,"end":262.69,"confidence":0.90478516,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2251189202070236},{"word":"i","start":262.69,"end":262.85,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4062623679637909},{"word":"keep","start":262.85,"end":263.09,"confidence":1.0,"punctuated_word":"keep","sentiment":"negative","sentiment_score":-0.4009939730167389},{"word":"putting","start":263.09,"end":263.41,"confidence":1.0,"punctuated_word":"putting","sentiment":"negative","sentiment_score":-0.4120897650718689},{"word":"the","start":263.41,"end":263.57,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.387623518705368},{"word":"conversation","start":263.57,"end":264.07,"confidence":0.9980469,"punctuated_word":"conversation","sentiment":"negative","sentiment_score":-0.36323606967926025},{"word":"off","start":264.21,"end":264.53,"confidence":0.99609375,"punctuated_word":"off","sentiment":"negative","sentiment_score":-0.38291287422180176},{"word":"just","start":264.53,"end":264.69,"confidence":0.9819336,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.27811023592948914},{"word":"because","start":264.69,"end":265.01,"confidence":0.9970703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.21602889895439148},{"word":"i've","start":265.01,"end":265.49,"confidence":0.99609375,"punctuated_word":"I've","sentiment":"negative","sentiment_score":-0.3623290956020355},{"word":"been","start":265.49,"end":265.73,"confidence":0.9980469,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.35293424129486084},{"word":"busy","start":265.73,"end":266.23,"confidence":1.0,"punctuated_word":"busy","sentiment":"negative","sentiment_score":-0.433260977268219},{"word":"and","start":268.29,"end":268.61002,"confidence":0.9448242,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.34835395216941833},{"word":"just","start":268.61002,"end":268.85,"confidence":0.8232422,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2800122797489166},{"word":"haven't","start":268.85,"end":269.17,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.29196614027023315},{"word":"got","start":269.17,"end":269.41,"confidence":0.98535156,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.26236024498939514},{"word":"my","start":269.41,"end":269.65,"confidence":0.97802734,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.2878536880016327},{"word":"mindset","start":269.65,"end":270.13,"confidence":0.94970703,"punctuated_word":"mindset","sentiment":"neutral","sentiment_score":-0.22666862607002256},{"word":"across","start":270.13,"end":270.45,"confidence":0.99902344,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.22667424380779264},{"word":"it","start":270.45,"end":270.61002,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.21263347566127777},{"word":"yet","start":270.61002,"end":270.85,"confidence":0.8574219,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.17047427594661713},{"word":"but","start":270.85,"end":271.09,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.13326621055603027},{"word":"i","start":271.09,"end":271.17,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2445303052663803},{"word":"need","start":271.17,"end":271.49,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.22099271416664124},{"word":"to","start":271.49,"end":271.73,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1653611809015274},{"word":"i","start":272.21,"end":272.37,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20696988701820376},{"word":"probably","start":272.37,"end":272.77,"confidence":0.9770508,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.19231726229190824},{"word":"need","start":272.77,"end":273.01,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.16111579537391665},{"word":"your","start":273.01,"end":273.25,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12599927186965942},{"word":"help","start":273.25,"end":273.75,"confidence":0.99902344,"punctuated_word":"help","sentiment":"neutral","sentiment_score":-0.14540161192417145},{"word":"in","start":274.545,"end":275.045,"confidence":0.7380371,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.1019998863339424},{"word":"especially","start":276.145,"end":276.625,"confidence":0.9980469,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":-0.10800591856241226},{"word":"in","start":276.625,"end":276.785,"confidence":0.95947266,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1133737713098526},{"word":"that","start":276.785,"end":277.105,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12411714345216752},{"word":"kind","start":277.105,"end":277.265,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.1727641075849533},{"word":"of","start":277.265,"end":277.745,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.188187837600708},{"word":"insurance","start":277.745,"end":278.245,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.18775665760040283},{"word":"space","start":278.385,"end":278.885,"confidence":0.782959,"punctuated_word":"space.","sentiment":"neutral","sentiment_score":-0.14146940410137177},{"word":"now","start":279.505,"end":279.745,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.14011284708976746},{"word":"that","start":279.745,"end":279.905,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.141462042927742},{"word":"i'm","start":279.905,"end":280.145,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14423593878746033},{"word":"kinda","start":280.145,"end":280.545,"confidence":0.59277344,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.12000741064548492},{"word":"working","start":280.545,"end":281.025,"confidence":0.99902344,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.06926517188549042},{"word":"on","start":281.025,"end":281.265,"confidence":0.6113281,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.13046398758888245},{"word":"i've","start":281.585,"end":281.905,"confidence":0.96728516,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.1418834775686264},{"word":"obviously","start":281.905,"end":282.305,"confidence":0.92089844,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.11643275618553162},{"word":"been","start":282.305,"end":282.465,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.15975917875766754},{"word":"working","start":282.465,"end":282.785,"confidence":0.9301758,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.161152184009552},{"word":"for","start":282.785,"end":282.945,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.24962642788887024},{"word":"myself","start":282.945,"end":283.425,"confidence":0.9980469,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":-0.2712816596031189},{"word":"for","start":283.425,"end":283.925,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.15445992350578308},{"word":"a","start":284.625,"end":284.70502,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1625276803970337},{"word":"few","start":284.70502,"end":284.945,"confidence":0.9633789,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.11553896218538284},{"word":"years","start":284.945,"end":285.185,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.1197407841682434},{"word":"now","start":285.185,"end":285.425,"confidence":0.9975586,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.14420855045318604},{"word":"but","start":285.425,"end":285.665,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1815372258424759},{"word":"i","start":285.665,"end":285.745,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3949820101261139},{"word":"need","start":285.745,"end":285.98502,"confidence":0.98095703,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.4002413153648377},{"word":"to","start":285.98502,"end":286.065,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3811720013618469},{"word":"get","start":286.065,"end":286.225,"confidence":1.0,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.38701581954956055},{"word":"in","start":286.225,"end":286.385,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.3092239499092102},{"word":"a","start":286.385,"end":286.545,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3910009860992432},{"word":"better","start":286.545,"end":286.785,"confidence":1.0,"punctuated_word":"better","sentiment":"negative","sentiment_score":-0.3656424880027771},{"word":"spot","start":286.785,"end":287.025,"confidence":1.0,"punctuated_word":"spot","sentiment":"neutral","sentiment_score":-0.24976687133312225},{"word":"in","start":287.025,"end":287.185,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.33811405301094055},{"word":"terms","start":287.185,"end":287.505,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.2025424838066101},{"word":"of","start":287.505,"end":287.82,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.34424012899398804},{"word":"i'd","start":288.38,"end":288.62,"confidence":0.9885254,"punctuated_word":"I'd","sentiment":"negative","sentiment_score":-0.34474486112594604},{"word":"rather","start":288.62,"end":288.94,"confidence":0.9560547,"punctuated_word":"rather","sentiment":"negative","sentiment_score":-0.4096856117248535},{"word":"just","start":288.94,"end":289.18,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2611798346042633},{"word":"get","start":289.18,"end":289.34,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.30538350343704224},{"word":"the","start":289.34,"end":289.5,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2809692323207855},{"word":"best","start":289.5,"end":289.82,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.255451500415802},{"word":"cover","start":289.82,"end":290.32,"confidence":0.9494629,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.22529977560043335},{"word":"whatever","start":290.38,"end":290.78,"confidence":1.0,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":-0.1890162229537964},{"word":"that","start":290.78,"end":291.02002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2150462716817856},{"word":"is","start":291.02002,"end":291.52002,"confidence":0.9428711,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.21865706145763397},{"word":"even","start":292.14,"end":292.38,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.15949872136116028},{"word":"if","start":292.38,"end":292.62,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.23815672099590304},{"word":"that","start":292.62,"end":292.78,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3441847562789917},{"word":"has","start":292.78,"end":293.02002,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.3272343873977661},{"word":"to","start":293.02002,"end":293.1,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.35621294379234314},{"word":"be","start":293.1,"end":293.26,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.298362135887146},{"word":"on","start":293.26,"end":293.42,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.33096083998680115},{"word":"my","start":293.42,"end":293.58002,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.3189008831977844},{"word":"own","start":293.58002,"end":293.9,"confidence":0.9970703,"punctuated_word":"own.","sentiment":"neutral","sentiment_score":-0.20312528312206268},{"word":"i","start":293.9,"end":293.98,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05856291577219963},{"word":"know","start":293.98,"end":294.14,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06589043140411377},{"word":"that","start":294.14,"end":294.64,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08197030425071716},{"word":"at","start":295.34,"end":295.58002,"confidence":0.87060547,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09041528403759004},{"word":"the","start":295.58002,"end":296.08002,"confidence":0.7011719,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.057736437767744064},{"word":"at","start":296.14,"end":296.38,"confidence":0.89453125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03852542862296104},{"word":"the","start":296.38,"end":296.62,"confidence":0.5209961,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04303092136979103},{"word":"at","start":296.62,"end":296.7,"confidence":0.75634766,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.039443738758563995},{"word":"the","start":296.7,"end":296.86002,"confidence":0.8251953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.031122226268053055},{"word":"start","start":296.86002,"end":297.18,"confidence":0.9753418,"punctuated_word":"start,","sentiment":"neutral","sentiment_score":-0.0335305780172348},{"word":"i","start":297.18,"end":297.26,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08784935623407364},{"word":"was","start":297.26,"end":297.5,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.08347845077514648},{"word":"kind","start":297.5,"end":297.74002,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.09438104182481766},{"word":"of","start":297.74002,"end":297.86002,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07784980535507202},{"word":"i","start":297.98,"end":298.22,"confidence":0.87890625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0986463576555252},{"word":"wanted","start":298.22,"end":298.54,"confidence":0.75927734,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.0763094574213028},{"word":"to","start":298.54,"end":298.86002,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07756687700748444},{"word":"in","start":299.925,"end":300.16498,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10097388923168182},{"word":"my","start":300.16498,"end":300.32498,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.09850847721099854},{"word":"head","start":300.32498,"end":300.485,"confidence":0.98706055,"punctuated_word":"head,","sentiment":"neutral","sentiment_score":-0.07916487753391266},{"word":"just","start":300.485,"end":300.72498,"confidence":0.92089844,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07101652771234512},{"word":"wanted","start":300.72498,"end":300.965,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.06354178488254547},{"word":"to","start":300.965,"end":301.04498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.052958011627197266},{"word":"make","start":301.04498,"end":301.205,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.0728147104382515},{"word":"sure","start":301.205,"end":301.44498,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.05328981578350067},{"word":"we're","start":301.44498,"end":301.76498,"confidence":0.8703613,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.031220141798257828},{"word":"both","start":301.76498,"end":302.00497,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.06368149816989899},{"word":"in","start":302.00497,"end":302.16498,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.009305715560913086},{"word":"the","start":302.16498,"end":302.32498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020417287945747375},{"word":"best","start":302.32498,"end":302.565,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.05583135038614273},{"word":"position","start":302.565,"end":302.88498,"confidence":1.0,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.00784805417060852},{"word":"we","start":302.88498,"end":303.125,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04646331071853638},{"word":"could","start":303.125,"end":303.28497,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.1001325026154518},{"word":"be","start":303.28497,"end":303.525,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0124853253364563},{"word":"and","start":303.525,"end":303.76498,"confidence":0.5283203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.023844368755817413},{"word":"if","start":303.76498,"end":303.925,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.041275568306446075},{"word":"that","start":303.925,"end":304.085,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03619930148124695},{"word":"would","start":304.085,"end":304.32498,"confidence":0.6352539,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.06808983534574509},{"word":"meant","start":304.32498,"end":304.82498,"confidence":0.7602539,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":-0.08432243764400482},{"word":"us","start":305.60498,"end":305.845,"confidence":0.9902344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.06980611383914948},{"word":"being","start":305.845,"end":306.085,"confidence":0.9980469,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.03189323842525482},{"word":"on","start":306.085,"end":306.245,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08234208822250366},{"word":"the","start":306.245,"end":306.32498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07038812339305878},{"word":"same","start":306.32498,"end":306.72498,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.0325552374124527},{"word":"policy","start":306.72498,"end":307.22498,"confidence":0.8815918,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":-0.08909523487091064},{"word":"in","start":309.925,"end":310.085,"confidence":0.5180664,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.0887133777141571},{"word":"my","start":310.085,"end":310.245,"confidence":0.97998047,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.09148575365543364},{"word":"head","start":310.245,"end":310.405,"confidence":0.9970703,"punctuated_word":"head,","sentiment":"neutral","sentiment_score":-0.09718427062034608},{"word":"i","start":310.405,"end":310.485,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09126123040914536},{"word":"thought","start":310.485,"end":310.72498,"confidence":0.9770508,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.08935929834842682},{"word":"that","start":310.72498,"end":310.88498,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10063081234693529},{"word":"might","start":310.88498,"end":311.04498,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.1327134370803833},{"word":"have","start":311.04498,"end":311.205,"confidence":0.89208984,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11608554422855376},{"word":"been","start":311.205,"end":311.44498,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.15260204672813416},{"word":"the","start":311.44498,"end":311.525,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16263458132743835},{"word":"best","start":311.525,"end":311.76498,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.14701995253562927},{"word":"way","start":311.76498,"end":311.925,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.16367894411087036},{"word":"to","start":311.925,"end":312.00497,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10841361433267592},{"word":"go","start":312.00497,"end":312.16498,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.1123322695493698},{"word":"about","start":312.16498,"end":312.405,"confidence":0.9892578,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1481553167104721},{"word":"it","start":312.405,"end":312.565,"confidence":0.91552734,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.09275955706834792},{"word":"but","start":312.565,"end":313.065,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.09287702292203905},{"word":"if","start":313.365,"end":313.60498,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.17368772625923157},{"word":"it's","start":313.60498,"end":313.925,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.16649220883846283},{"word":"not","start":313.925,"end":314.425,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.26544415950775146},{"word":"and","start":314.565,"end":314.805,"confidence":0.8076172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.24405577778816223},{"word":"it's","start":314.805,"end":315.125,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.3184817433357239},{"word":"better","start":315.125,"end":315.44498,"confidence":0.99902344,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.2626316547393799},{"word":"off","start":315.44498,"end":315.81,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.22010982036590576},{"word":"or","start":316.05,"end":316.29,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.17849816381931305},{"word":"it's","start":316.29,"end":316.45,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0836084634065628},{"word":"more","start":316.45,"end":316.77,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.11584985256195068},{"word":"beneficial","start":316.77,"end":317.25,"confidence":1.0,"punctuated_word":"beneficial","sentiment":"neutral","sentiment_score":0.018325388431549072},{"word":"for","start":317.25,"end":317.33,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06243200600147247},{"word":"me","start":317.33,"end":317.57,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.07451029121875763},{"word":"to","start":317.57,"end":317.65,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12598837912082672},{"word":"be","start":317.65,"end":317.73,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09623897075653076},{"word":"on","start":317.73,"end":317.88998,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05599242448806763},{"word":"my","start":317.88998,"end":318.05,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.0009304732084274292},{"word":"own","start":318.05,"end":318.37,"confidence":1.0,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.06040765345096588},{"word":"because","start":318.37,"end":318.87,"confidence":0.90771484,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.040162667632102966},{"word":"there's","start":321.33,"end":321.73,"confidence":0.9506836,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.03470464050769806},{"word":"there's","start":321.73,"end":322.21,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0844491571187973},{"word":"additional","start":322.21,"end":322.61,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.094196155667305},{"word":"benefit","start":322.61,"end":323.09,"confidence":0.9970703,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.16326995193958282},{"word":"because","start":323.09,"end":323.49,"confidence":0.9873047,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05838579684495926},{"word":"i'm","start":323.49,"end":323.65,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06925742328166962},{"word":"working","start":323.65,"end":323.97,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.16198627650737762},{"word":"for","start":323.97,"end":324.13,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.00895904004573822},{"word":"myself","start":324.13,"end":324.45,"confidence":1.0,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.052288785576820374},{"word":"or","start":324.45,"end":324.69,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04132284224033356},{"word":"whatever","start":324.69,"end":325.09,"confidence":0.78808594,"punctuated_word":"whatever,","sentiment":"neutral","sentiment_score":-0.0822824090719223},{"word":"i","start":325.09,"end":325.33,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1317073106765747},{"word":"i","start":325.33,"end":325.49,"confidence":0.73876953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13008233904838562},{"word":"just","start":325.49,"end":325.81,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06690165400505066},{"word":"i","start":325.97,"end":326.13,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17953817546367645},{"word":"need","start":326.13,"end":326.29,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.16701537370681763},{"word":"to","start":326.29,"end":326.45,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11663104593753816},{"word":"cover","start":326.45,"end":326.69,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.08217309415340424},{"word":"myself","start":326.69,"end":327.19,"confidence":1.0,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":-0.17807231843471527},{"word":"as","start":327.41,"end":327.65,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.08078828454017639},{"word":"best","start":327.65,"end":328.05,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.1057618409395218},{"word":"as","start":328.05,"end":328.29,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.13507814705371857},{"word":"i","start":328.29,"end":328.45,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13648681342601776},{"word":"can","start":328.45,"end":328.77,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.15538804233074188},{"word":"given","start":328.77,"end":329.27,"confidence":0.8676758,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.05246591567993164},{"word":"i'm","start":329.745,"end":330.145,"confidence":0.88256836,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.004603992216289043},{"word":"the","start":330.145,"end":330.645,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01161254197359085},{"word":"i'm","start":333.425,"end":333.665,"confidence":0.8925781,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.012686917558312416},{"word":"making","start":333.665,"end":334.145,"confidence":0.99902344,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.04924684017896652},{"word":"i'm","start":334.305,"end":334.54498,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04778200387954712},{"word":"i'm","start":334.54498,"end":334.625,"confidence":0.9482422,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04173788428306579},{"word":"kind","start":334.625,"end":334.865,"confidence":0.9248047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.030612759292125705},{"word":"of","start":334.865,"end":334.945,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03813871741294861},{"word":"the","start":334.945,"end":335.185,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004345260560512543},{"word":"financial","start":335.185,"end":335.685,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.04235287755727768},{"word":"sort","start":335.745,"end":335.985,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0043307021260261536},{"word":"of","start":335.985,"end":336.485,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006774179637432098},{"word":"yeah","start":338.625,"end":339.125,"confidence":0.8388672,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.09869728982448578},{"word":"for","start":339.185,"end":339.685,"confidence":0.5991211,"punctuated_word":"For","sentiment":"negative","sentiment_score":-0.3653317093849182},{"word":"lack","start":339.82498,"end":340.065,"confidence":0.5214844,"punctuated_word":"lack","sentiment":"negative","sentiment_score":-0.3871557116508484},{"word":"of","start":340.065,"end":340.305,"confidence":0.99121094,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4414253532886505},{"word":"a","start":340.305,"end":340.465,"confidence":0.9970703,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.45651179552078247},{"word":"a","start":340.465,"end":340.54498,"confidence":0.6665039,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5088587999343872},{"word":"better","start":340.54498,"end":340.865,"confidence":0.9980469,"punctuated_word":"better","sentiment":"negative","sentiment_score":-0.4800138473510742},{"word":"word","start":340.865,"end":341.185,"confidence":0.78637695,"punctuated_word":"word,","sentiment":"negative","sentiment_score":-0.421471893787384},{"word":"like","start":341.185,"end":341.685,"confidence":0.9836426,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.41224440932273865},{"word":"if","start":341.985,"end":342.225,"confidence":0.99609375,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.5542234182357788},{"word":"anything","start":342.225,"end":342.54498,"confidence":1.0,"punctuated_word":"anything","sentiment":"negative","sentiment_score":-0.5015454292297363},{"word":"happens","start":342.54498,"end":342.865,"confidence":1.0,"punctuated_word":"happens","sentiment":"negative","sentiment_score":-0.4946987628936768},{"word":"to","start":342.865,"end":343.025,"confidence":0.9980469,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5338637232780457},{"word":"me","start":343.025,"end":343.185,"confidence":1.0,"punctuated_word":"me","sentiment":"negative","sentiment_score":-0.5090239644050598},{"word":"at","start":343.185,"end":343.345,"confidence":0.9980469,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.6009749174118042},{"word":"the","start":343.345,"end":343.425,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5519487261772156},{"word":"moment","start":343.425,"end":343.92,"confidence":0.8251953,"punctuated_word":"moment,","sentiment":"negative","sentiment_score":-0.530863881111145},{"word":"then","start":344.32,"end":344.40002,"confidence":0.3149414,"punctuated_word":"then","sentiment":"negative","sentiment_score":-0.6002691388130188},{"word":"we're","start":344.40002,"end":344.88,"confidence":0.7775879,"punctuated_word":"we're","sentiment":"negative","sentiment_score":-0.6177100539207458},{"word":"we're","start":344.88,"end":345.12003,"confidence":0.9338379,"punctuated_word":"we're","sentiment":"negative","sentiment_score":-0.6962031126022339},{"word":"not","start":345.12003,"end":345.52002,"confidence":0.99121094,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.6805638670921326},{"word":"supported","start":345.52002,"end":346.02002,"confidence":1.0,"punctuated_word":"supported","sentiment":"negative","sentiment_score":-0.6603407263755798},{"word":"as","start":346.24002,"end":346.40002,"confidence":1.0,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.49131497740745544},{"word":"well","start":346.40002,"end":346.64,"confidence":1.0,"punctuated_word":"well","sentiment":"negative","sentiment_score":-0.600616455078125},{"word":"as","start":346.64,"end":346.80002,"confidence":1.0,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.5241569876670837},{"word":"we","start":346.80002,"end":347.12003,"confidence":1.0,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.5742566585540771},{"word":"we","start":347.12003,"end":347.62003,"confidence":0.9863281,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.5936926603317261},{"word":"potentially","start":347.68002,"end":348.18002,"confidence":0.9980469,"punctuated_word":"potentially","sentiment":"negative","sentiment_score":-0.5210038423538208},{"word":"could","start":348.40002,"end":348.64,"confidence":1.0,"punctuated_word":"could","sentiment":"negative","sentiment_score":-0.5276702642440796},{"word":"be","start":348.64,"end":348.80002,"confidence":0.9926758,"punctuated_word":"be.","sentiment":"negative","sentiment_score":-0.4319084882736206},{"word":"so","start":348.80002,"end":349.30002,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.14797857403755188},{"word":"i'd","start":349.92,"end":350.08002,"confidence":0.8679199,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.05774600803852081},{"word":"rather","start":350.08002,"end":350.58002,"confidence":1.0,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.06801746785640717},{"word":"kind","start":350.64,"end":350.96002,"confidence":0.9589844,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.030888020992279053},{"word":"of","start":350.96002,"end":351.44,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1139449179172516},{"word":"if","start":351.6,"end":351.76,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.047455981373786926},{"word":"there's","start":351.76,"end":352.26,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.006051793694496155},{"word":"a","start":352.32,"end":352.48,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.018007740378379822},{"word":"better","start":352.48,"end":352.80002,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.1030721366405487},{"word":"policy","start":352.80002,"end":353.28,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.15295004844665527},{"word":"to","start":353.28,"end":353.52002,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1295122355222702},{"word":"ensure","start":353.52002,"end":353.92,"confidence":1.0,"punctuated_word":"ensure","sentiment":"neutral","sentiment_score":0.29562506079673767},{"word":"that","start":353.92,"end":354.16,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.38819944858551025},{"word":"we're","start":354.16,"end":354.66,"confidence":0.9970703,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.4321393370628357},{"word":"getting","start":354.72,"end":355.04,"confidence":1.0,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.4809068739414215},{"word":"the","start":355.04,"end":355.2,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5010414123535156},{"word":"maximum","start":355.2,"end":355.7,"confidence":0.99902344,"punctuated_word":"maximum","sentiment":"positive","sentiment_score":0.5589637756347656},{"word":"out","start":356.74503,"end":356.98502,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5134735107421875},{"word":"of","start":356.98502,"end":357.065,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4258347153663635},{"word":"it","start":357.065,"end":357.225,"confidence":0.7895508,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.26753321290016174},{"word":"and","start":357.225,"end":357.385,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3123925030231476},{"word":"it's","start":357.385,"end":357.70502,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3241475820541382},{"word":"it's","start":357.70502,"end":357.86502,"confidence":0.9909668,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.29997357726097107},{"word":"all","start":357.86502,"end":358.105,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2318720817565918},{"word":"coming","start":358.105,"end":358.345,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.22595301270484924},{"word":"out","start":358.345,"end":358.58502,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.24065524339675903},{"word":"of","start":358.58502,"end":358.825,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3273089528083801},{"word":"the","start":358.825,"end":359.065,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29414838552474976},{"word":"best","start":359.065,"end":359.30502,"confidence":0.9921875,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.2793048918247223},{"word":"places","start":359.30502,"end":359.70502,"confidence":0.9819336,"punctuated_word":"places","sentiment":"positive","sentiment_score":0.3863048553466797},{"word":"like","start":359.70502,"end":360.02502,"confidence":0.47192383,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2537806034088135},{"word":"super","start":360.02502,"end":360.345,"confidence":0.4794922,"punctuated_word":"Super","sentiment":"positive","sentiment_score":0.3512505292892456},{"word":"or","start":360.345,"end":360.505,"confidence":0.9633789,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2003411203622818},{"word":"whatever","start":360.505,"end":360.90503,"confidence":0.9951172,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.10248048603534698},{"word":"else","start":360.90503,"end":361.40503,"confidence":0.78759766,"punctuated_word":"else,","sentiment":"neutral","sentiment_score":0.13345882296562195},{"word":"i'd","start":362.665,"end":362.90503,"confidence":0.9824219,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.09052503108978271},{"word":"rather","start":362.90503,"end":363.40503,"confidence":0.9436035,"punctuated_word":"rather,","sentiment":"neutral","sentiment_score":0.09597119688987732},{"word":"yeah","start":363.70502,"end":364.18503,"confidence":0.9980469,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.11510631442070007},{"word":"us","start":364.18503,"end":364.42502,"confidence":0.9165039,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.08328565210103989},{"word":"look","start":364.42502,"end":364.58502,"confidence":0.984375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04498954117298126},{"word":"into","start":364.58502,"end":364.825,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.11264892667531969},{"word":"that","start":364.825,"end":364.98502,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1105031967163086},{"word":"i","start":364.98502,"end":365.14502,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13071975111961365},{"word":"hope","start":365.14502,"end":365.385,"confidence":1.0,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.22338303923606873},{"word":"that's","start":365.385,"end":365.70502,"confidence":0.80981445,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1807742714881897},{"word":"made","start":365.70502,"end":365.945,"confidence":0.98095703,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.2032281756401062},{"word":"sense","start":365.945,"end":366.18503,"confidence":0.99902344,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.1312711238861084},{"word":"because","start":366.18503,"end":366.42502,"confidence":0.8256836,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.09123244136571884},{"word":"it's","start":366.42502,"end":366.505,"confidence":0.751709,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.046164050698280334},{"word":"it","start":366.58502,"end":366.665,"confidence":0.984375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.015961989760398865},{"word":"probably","start":366.665,"end":366.98502,"confidence":0.9873047,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.011194661259651184},{"word":"sound","start":366.98502,"end":367.30502,"confidence":0.43652344,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":-0.018206417560577393},{"word":"like","start":367.30502,"end":367.46503,"confidence":0.9951172,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.03935340791940689},{"word":"a","start":367.46503,"end":367.545,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08339595794677734},{"word":"little","start":367.545,"end":367.785,"confidence":0.99121094,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0668879896402359},{"word":"ramble","start":367.785,"end":368.18503,"confidence":0.86588544,"punctuated_word":"ramble,","sentiment":"neutral","sentiment_score":-0.1468431055545807},{"word":"but","start":368.18503,"end":368.665,"confidence":0.94555664,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.02923111990094185},{"word":"yeah","start":368.665,"end":369.165,"confidence":0.9814453,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.07989980280399323},{"word":"i","start":370.31,"end":370.55,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22267232835292816},{"word":"i","start":370.55,"end":370.63,"confidence":0.48583984,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.332040011882782},{"word":"don't","start":370.63,"end":370.87,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.30831989645957947},{"word":"want","start":370.87,"end":371.03,"confidence":0.99902344,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.40935394167900085},{"word":"us","start":371.03,"end":371.19,"confidence":0.99902344,"punctuated_word":"us","sentiment":"negative","sentiment_score":-0.4201071560382843},{"word":"to","start":371.19,"end":371.35,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4084204435348511},{"word":"be","start":371.35,"end":371.67,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.39379143714904785},{"word":"constrained","start":371.67,"end":372.17,"confidence":0.99902344,"punctuated_word":"constrained","sentiment":"negative","sentiment_score":-0.4284295439720154},{"word":"by","start":372.31,"end":372.63,"confidence":0.97509766,"punctuated_word":"by","sentiment":"negative","sentiment_score":-0.3438219428062439},{"word":"anything","start":372.63,"end":372.95,"confidence":0.98217773,"punctuated_word":"anything.","sentiment":"negative","sentiment_score":-0.33384114503860474},{"word":"i'd","start":372.95,"end":373.19,"confidence":0.9921875,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.2225135862827301},{"word":"rather","start":373.19,"end":373.43,"confidence":1.0,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.2684023976325989},{"word":"just","start":373.43,"end":373.59,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06455795466899872},{"word":"get","start":373.59,"end":373.75,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.03335711359977722},{"word":"the","start":373.75,"end":373.83,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0033383965492248535},{"word":"best","start":373.83,"end":374.07,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.06729234755039215},{"word":"cover","start":374.07,"end":374.39,"confidence":0.85131836,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.017251797020435333},{"word":"and","start":374.39,"end":374.55,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05945915728807449},{"word":"if","start":374.55,"end":374.71,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04457383975386619},{"word":"that","start":374.71,"end":374.87,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09079521894454956},{"word":"means","start":374.87,"end":375.37,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.07457105070352554},{"word":"we","start":376.71,"end":376.95,"confidence":0.83251953,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09506286680698396},{"word":"need","start":376.95,"end":377.45,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.08597368001937866},{"word":"to","start":378.31,"end":378.47,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09444697201251984},{"word":"have","start":378.47,"end":378.71,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.15476588904857635},{"word":"an","start":378.71,"end":378.95,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.12748783826828003},{"word":"alternate","start":378.95,"end":379.35,"confidence":0.9863281,"punctuated_word":"alternate","sentiment":"neutral","sentiment_score":-0.13177157938480377},{"word":"to","start":379.35,"end":379.51,"confidence":0.890625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05709218233823776},{"word":"the","start":379.51,"end":379.75,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06870271265506744},{"word":"alley","start":379.75,"end":380.15,"confidence":0.74853516,"punctuated_word":"alley","sentiment":"neutral","sentiment_score":-0.08175374567508698},{"word":"or","start":380.15,"end":380.31,"confidence":0.96240234,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07442151755094528},{"word":"us","start":380.31,"end":380.47,"confidence":0.32055664,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.1693870723247528},{"word":"to","start":380.47,"end":380.63,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10522572696208954},{"word":"go","start":380.63,"end":380.87,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.09637147188186646},{"word":"off","start":380.87,"end":381.11,"confidence":0.7529297,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":-0.12566673755645752},{"word":"and","start":381.11,"end":381.59,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12252829223871232},{"word":"we","start":381.59,"end":381.83,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.18870683014392853},{"word":"have","start":381.83,"end":381.99,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.17830082774162292},{"word":"to","start":381.99,"end":382.15,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15130630135536194},{"word":"sort","start":382.15,"end":382.31,"confidence":1.0,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1938433051109314},{"word":"that","start":382.31,"end":382.47,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1677013337612152},{"word":"out","start":382.47,"end":382.71,"confidence":0.8449707,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.1237202286720276},{"word":"that's","start":382.71,"end":382.95,"confidence":0.6520996,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.12993347644805908},{"word":"so","start":382.95,"end":383.11,"confidence":0.35107422,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.12591968476772308},{"word":"be","start":383.11,"end":383.27,"confidence":0.48217773,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16477960348129272},{"word":"it","start":383.27,"end":383.77,"confidence":0.7409668,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0698375552892685},{"word":"yep","start":385.665,"end":386.165,"confidence":0.9230957,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2818101644515991},{"word":"yep","start":393.42502,"end":393.92502,"confidence":0.90185547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1162850260734558},{"word":"yep","start":395.345,"end":395.845,"confidence":0.97314453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22824972867965695},{"word":"yep","start":401.95,"end":402.45,"confidence":0.8129883,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1333615630865097},{"word":"okay","start":406.67,"end":407.17,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10108134150505066},{"word":"yes","start":423.235,"end":423.735,"confidence":0.967041,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.052899911999702454},{"word":"i'm","start":433.65,"end":433.97,"confidence":0.78393555,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.20708909630775452},{"word":"i'm","start":433.97,"end":434.12997,"confidence":0.9802246,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2339586466550827},{"word":"sure","start":434.12997,"end":434.44998,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.24256965517997744},{"word":"we","start":434.44998,"end":434.61,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.29372742772102356},{"word":"could","start":434.61,"end":434.93,"confidence":0.92456055,"punctuated_word":"could,","sentiment":"neutral","sentiment_score":0.288049578666687},{"word":"but","start":434.93,"end":435.25,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1852744966745377},{"word":"anything","start":435.25,"end":435.56998,"confidence":0.94140625,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.2495061755180359},{"word":"again","start":435.65,"end":436.05,"confidence":0.9975586,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.19467687606811523},{"word":"anything","start":436.05,"end":436.44998,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.3755740225315094},{"word":"if","start":436.44998,"end":436.56998,"confidence":0.6855469,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3803638815879822},{"word":"it","start":436.56998,"end":436.68997,"confidence":0.9482422,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5016991496086121},{"word":"means","start":436.68997,"end":436.93,"confidence":0.99316406,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.42361980676651},{"word":"you","start":436.93,"end":437.00998,"confidence":0.97314453,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5076438188552856},{"word":"get","start":437.00998,"end":437.16998,"confidence":0.91259766,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4323733150959015},{"word":"the","start":437.16998,"end":437.33,"confidence":0.96777344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4086789190769195},{"word":"money","start":437.33,"end":437.56998,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.4173971116542816},{"word":"quicker","start":437.56998,"end":438.06998,"confidence":0.9819336,"punctuated_word":"quicker","sentiment":"positive","sentiment_score":0.3489753007888794},{"word":"if","start":438.21,"end":438.44998,"confidence":0.51416016,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.492000937461853},{"word":"we","start":438.44998,"end":438.61,"confidence":0.99902344,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.45502644777297974},{"word":"ever","start":438.61,"end":438.84998,"confidence":0.9863281,"punctuated_word":"ever","sentiment":"positive","sentiment_score":0.3718958497047424},{"word":"needed","start":438.84998,"end":439.25,"confidence":0.9980469,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.265277236700058},{"word":"to","start":439.25,"end":439.75,"confidence":0.7854004,"punctuated_word":"to,","sentiment":"positive","sentiment_score":0.3887918293476105},{"word":"i'm","start":440.21,"end":440.53,"confidence":0.91097003,"punctuated_word":"I'm,","sentiment":"positive","sentiment_score":0.6763341426849365},{"word":"yeah","start":440.53,"end":440.77,"confidence":0.9975586,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.7448769807815552},{"word":"happy","start":440.77,"end":441.09,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.7940881848335266},{"word":"to","start":441.09,"end":441.40997,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.805159866809845},{"word":"explore","start":441.40997,"end":441.81,"confidence":0.99902344,"punctuated_word":"explore","sentiment":"positive","sentiment_score":0.7386658191680908},{"word":"it","start":441.81,"end":442.31,"confidence":0.74243164,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.6080670952796936},{"word":"yeah","start":452.185,"end":452.685,"confidence":0.7327881,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09040088206529616},{"word":"okay","start":455.305,"end":455.805,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.14355945587158203},{"word":"yeah","start":472.565,"end":472.88498,"confidence":0.7507324,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15118110179901123},{"word":"yeah","start":472.88498,"end":473.125,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17487061023712158},{"word":"i","start":473.125,"end":473.365,"confidence":0.96777344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17624685168266296},{"word":"i","start":473.365,"end":473.685,"confidence":0.5751953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16624268889427185},{"word":"i've","start":473.845,"end":474.005,"confidence":0.9133301,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.21825838088989255},{"word":"again","start":474.165,"end":474.485,"confidence":0.9995117,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.20458897948265076},{"word":"i've","start":474.485,"end":474.805,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2169172465801239},{"word":"been","start":474.805,"end":474.965,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.19114980101585388},{"word":"waiting","start":474.965,"end":475.365,"confidence":0.99902344,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.2401693165302277},{"word":"to","start":475.365,"end":475.60498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1747339814901352},{"word":"kind","start":475.60498,"end":476.005,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1804860234260559},{"word":"of","start":476.005,"end":476.32498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2512892484664917},{"word":"get","start":476.32498,"end":476.565,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.21614041924476624},{"word":"some","start":476.565,"end":476.805,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.18242797255516052},{"word":"stability","start":476.805,"end":477.305,"confidence":1.0,"punctuated_word":"stability","sentiment":"neutral","sentiment_score":0.23378664255142212},{"word":"in","start":477.445,"end":477.60498,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.31665414571762085},{"word":"my","start":477.60498,"end":477.845,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.270368367433548},{"word":"income","start":477.845,"end":478.245,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.34332019090652466},{"word":"to","start":478.245,"end":478.485,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22053629159927368},{"word":"ensure","start":478.485,"end":478.88498,"confidence":1.0,"punctuated_word":"ensure","sentiment":"neutral","sentiment_score":0.2831609845161438},{"word":"that","start":478.88498,"end":479.205,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35426199436187744},{"word":"i","start":479.205,"end":479.285,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.322503924369812},{"word":"could","start":479.285,"end":479.525,"confidence":1.0,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.3462701439857483},{"word":"get","start":479.525,"end":479.845,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.34299784898757935},{"word":"some","start":479.845,"end":480.16498,"confidence":0.99316406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.26988568902015686},{"word":"kind","start":480.16498,"end":480.32498,"confidence":0.98291016,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2479156255722046},{"word":"of","start":480.32498,"end":480.565,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.34220096468925476},{"word":"ongoing","start":480.565,"end":481.065,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"positive","sentiment_score":0.35160255432128906},{"word":"super","start":481.125,"end":481.625,"confidence":0.9580078,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.45168307423591614},{"word":"happening","start":482.085,"end":482.565,"confidence":0.99121094,"punctuated_word":"happening","sentiment":"positive","sentiment_score":0.38084736466407776},{"word":"per","start":482.565,"end":482.805,"confidence":0.9980469,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.30010849237442017},{"word":"month","start":482.805,"end":483.04498,"confidence":0.99902344,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.2882857620716095},{"word":"from","start":483.04498,"end":483.205,"confidence":0.9941406,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.30663004517555237},{"word":"my","start":483.205,"end":483.445,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2455863207578659},{"word":"end","start":483.445,"end":483.60498,"confidence":0.8083496,"punctuated_word":"end,","sentiment":"neutral","sentiment_score":0.17405766248703003},{"word":"and","start":483.60498,"end":484.005,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14484243094921112},{"word":"and","start":484.005,"end":484.505,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09060391783714294},{"word":"and","start":484.645,"end":484.83,"confidence":0.8071289,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07472988218069077},{"word":"you've","start":484.90997,"end":485.15,"confidence":0.9772949,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08611448854207993},{"word":"obviously","start":485.15,"end":485.55,"confidence":0.94140625,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.0677306279540062},{"word":"seen","start":485.55,"end":485.78998,"confidence":0.9970703,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.07138153910636902},{"word":"that","start":485.78998,"end":486.03,"confidence":0.9614258,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07520978152751923},{"word":"in","start":486.03,"end":486.18997,"confidence":0.97314453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10604391992092133},{"word":"the","start":486.18997,"end":486.34998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12509696185588837},{"word":"last","start":486.34998,"end":486.50998,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.10186115652322768},{"word":"couple","start":486.50998,"end":486.75,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.05967380851507187},{"word":"of","start":486.75,"end":486.83,"confidence":0.67529297,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08935323357582092},{"word":"months","start":486.83,"end":487.15,"confidence":0.74560547,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.1078937128186226},{"word":"i've","start":487.15,"end":487.38998,"confidence":0.99560547,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.12677763402462006},{"word":"i've","start":487.38998,"end":487.55,"confidence":0.9736328,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.11688923090696336},{"word":"kinda","start":487.55,"end":487.87,"confidence":0.77978516,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.0855376273393631},{"word":"got","start":487.87,"end":488.03,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11775407195091248},{"word":"that","start":488.03,"end":488.27,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13476702570915222},{"word":"ongoing","start":488.27,"end":488.77,"confidence":0.9980469,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.1527673304080963},{"word":"installment","start":489.22998,"end":489.72998,"confidence":0.9838867,"punctuated_word":"installment","sentiment":"neutral","sentiment_score":0.11354156583547592},{"word":"going","start":489.94998,"end":490.18997,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.13250192999839783},{"word":"in","start":490.18997,"end":490.50998,"confidence":0.9941406,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.07663203030824661},{"word":"so","start":490.50998,"end":491.00998,"confidence":0.8991699,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.1411697268486023},{"word":"yeah","start":491.22998,"end":491.62997,"confidence":0.9851074,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.2365063726902008},{"word":"whatever","start":491.62997,"end":491.94998,"confidence":0.99902344,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.2863246202468872},{"word":"that","start":491.94998,"end":492.18997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26881852746009827},{"word":"means","start":492.18997,"end":492.68997,"confidence":0.9794922,"punctuated_word":"means,","sentiment":"neutral","sentiment_score":0.22339044511318207},{"word":"that's","start":492.83,"end":493.15,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.34553536772727966},{"word":"fine","start":493.15,"end":493.55,"confidence":0.9904785,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.25443315505981445},{"word":"obviously","start":493.55,"end":493.94998,"confidence":0.7163086,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.1872948706150055},{"word":"yeah","start":493.94998,"end":494.44998,"confidence":0.8093262,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.2497429996728897},{"word":"i","start":494.66998,"end":494.83,"confidence":0.9760742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24958935379981995},{"word":"know","start":494.83,"end":495.31,"confidence":0.99609375,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.22952380776405337},{"word":"anything","start":495.31,"end":495.71,"confidence":0.9716797,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.2911945581436157},{"word":"that","start":495.71,"end":496.21,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.255055695772171},{"word":"reduces","start":496.99,"end":497.49,"confidence":0.99316406,"punctuated_word":"reduces","sentiment":"neutral","sentiment_score":0.20171332359313965},{"word":"fees","start":497.55,"end":497.87,"confidence":0.9970703,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.13009950518608093},{"word":"and","start":497.87,"end":498.03,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1784653663635254},{"word":"all","start":498.03,"end":498.18997,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0948701947927475},{"word":"that","start":498.18997,"end":498.34998,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.059397391974925995},{"word":"sort","start":498.34998,"end":498.50998,"confidence":1.0,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04824042320251465},{"word":"of","start":498.50998,"end":498.66998,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11955111473798752},{"word":"stuff","start":498.66998,"end":499.035,"confidence":0.8833008,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":0.1445871740579605},{"word":"yeah","start":499.195,"end":499.695,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17333364486694336},{"word":"just","start":499.995,"end":500.075,"confidence":0.9980469,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.1896490454673767},{"word":"the","start":500.075,"end":500.315,"confidence":0.6826172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2777893543243408},{"word":"more","start":500.315,"end":500.475,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.29041674733161926},{"word":"money","start":500.475,"end":500.795,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.3020785450935364},{"word":"coming","start":500.795,"end":501.035,"confidence":0.99609375,"punctuated_word":"coming","sentiment":"positive","sentiment_score":0.33845585584640503},{"word":"in","start":501.035,"end":501.275,"confidence":0.89038086,"punctuated_word":"in,","sentiment":"positive","sentiment_score":0.34086471796035767},{"word":"the","start":501.275,"end":501.355,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3645714819431305},{"word":"better","start":501.355,"end":501.595,"confidence":0.7890625,"punctuated_word":"better.","sentiment":"neutral","sentiment_score":0.28698158264160156},{"word":"whatever","start":501.595,"end":501.995,"confidence":0.99902344,"punctuated_word":"Whatever","sentiment":"neutral","sentiment_score":0.16007037460803986},{"word":"that","start":501.995,"end":502.155,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13394011557102203},{"word":"looks","start":502.155,"end":502.315,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.13001888990402222},{"word":"like","start":502.315,"end":502.815,"confidence":0.99658203,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.16535624861717224},{"word":"yep","start":506.475,"end":506.975,"confidence":0.76782227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1754689663648605},{"word":"yeah","start":517.11,"end":517.43,"confidence":0.77856445,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.039789073169231415},{"word":"no","start":517.43,"end":517.67,"confidence":0.9506836,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.05919618159532547},{"word":"worries","start":517.67,"end":518.17,"confidence":0.9970703,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":-0.07721516489982605},{"word":"yep","start":520.63,"end":521.13,"confidence":0.7741699,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13371145725250244},{"word":"that's","start":521.19,"end":521.43,"confidence":0.9472656,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2214275598526001},{"word":"okay","start":521.43,"end":521.93,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.3086557984352112},{"word":"i'll","start":545.13,"end":545.29,"confidence":0.9580078,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.004410808440297842},{"word":"have","start":545.29,"end":545.52997,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.013183828443288805},{"word":"to","start":545.52997,"end":545.69,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019920378923416138},{"word":"find","start":545.69,"end":546.00995,"confidence":0.8964844,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.009406235069036484},{"word":"it","start":546.00995,"end":546.50995,"confidence":0.98168945,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.011739680543541908},{"word":"why","start":547.29,"end":547.44995,"confidence":0.75097656,"punctuated_word":"Why","sentiment":"neutral","sentiment_score":-0.05107760429382324},{"word":"would","start":547.44995,"end":547.61,"confidence":0.9873047,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.027811359614133835},{"word":"i","start":547.61,"end":547.76996,"confidence":0.93408203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0305401049554348},{"word":"do","start":547.76996,"end":547.93,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04585592821240425},{"word":"that","start":547.93,"end":548.43,"confidence":0.99902344,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.06085294112563133},{"word":"yes","start":554.25,"end":554.75,"confidence":0.85839844,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01461098063737154},{"word":"yep","start":562.285,"end":562.785,"confidence":0.90625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06644045561552048},{"word":"yeah","start":570.25,"end":570.57,"confidence":0.72546387,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07487155497074127},{"word":"so","start":570.57,"end":571.07,"confidence":0.984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.040919966995716095},{"word":"what","start":571.45,"end":571.69,"confidence":0.9873047,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.046241406351327896},{"word":"do","start":571.69,"end":571.85004,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02174000069499016},{"word":"you","start":571.85004,"end":571.93005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05843950808048248},{"word":"need","start":571.93005,"end":572.17004,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05550723895430565},{"word":"from","start":572.17004,"end":572.41003,"confidence":0.97314453,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.044024113565683365},{"word":"me","start":572.41003,"end":572.91003,"confidence":0.99853516,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.034376371651887894},{"word":"yep","start":575.13,"end":575.63,"confidence":0.7003174,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04775708168745041},{"word":"yeah","start":579.85004,"end":580.25,"confidence":0.8774414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07600166648626328},{"word":"okay","start":580.25,"end":580.75,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08133497834205627},{"word":"yeah","start":584.695,"end":585.195,"confidence":0.93310547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11827914416790009},{"word":"oh","start":588.135,"end":588.375,"confidence":0.85961914,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.5572470426559448},{"word":"perfect","start":588.375,"end":588.695,"confidence":0.9980469,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.5996981263160706},{"word":"no","start":588.695,"end":588.935,"confidence":0.98828125,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.3118014335632324},{"word":"worries","start":588.935,"end":589.435,"confidence":0.9995117,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.4403824508190155},{"word":"yeah","start":593.495,"end":593.995,"confidence":0.9160156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1902076005935669},{"word":"i","start":609.31,"end":609.63,"confidence":0.9301758,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0060365088284015656},{"word":"i","start":609.63,"end":610.13,"confidence":0.9716797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.007559720426797867},{"word":"before","start":610.67,"end":611.17,"confidence":0.59033203,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.003640670329332352},{"word":"tax","start":611.23,"end":611.73,"confidence":0.9248047,"punctuated_word":"tax?","sentiment":"neutral","sentiment_score":0.020553890615701675},{"word":"i'm","start":615.005,"end":615.165,"confidence":0.7480469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03298573195934296},{"word":"speaking","start":615.165,"end":615.665,"confidence":0.6364746,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":-0.01978190056979656},{"word":"i","start":617.165,"end":617.40497,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04328382760286331},{"word":"think","start":617.40497,"end":617.90497,"confidence":0.97509766,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04406352341175079},{"word":"before","start":618.045,"end":618.545,"confidence":0.93847656,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.009477932006120682},{"word":"tax","start":618.605,"end":619.105,"confidence":0.9680176,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":-0.035434894263744354},{"word":"that","start":619.165,"end":619.325,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.060450490564107895},{"word":"would","start":619.325,"end":619.485,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.054954830557107925},{"word":"have","start":619.485,"end":619.645,"confidence":0.9038086,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0329737551510334},{"word":"been","start":619.645,"end":619.96497,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.04675055667757988},{"word":"last","start":619.96497,"end":620.285,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.020526111125946045},{"word":"year","start":620.285,"end":620.785,"confidence":0.9824219,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.011069469153881071},{"word":"if","start":622.845,"end":623.005,"confidence":0.9277344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.05445941165089607},{"word":"i'm","start":623.005,"end":623.245,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04138670861721039},{"word":"looking","start":623.245,"end":623.565,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.039138875901699066},{"word":"at","start":623.565,"end":623.725,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06940029561519623},{"word":"my","start":623.725,"end":623.885,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.05697742849588394},{"word":"quickbooks","start":623.885,"end":624.385,"confidence":0.98616534,"punctuated_word":"QuickBooks,","sentiment":"neutral","sentiment_score":-0.023673316463828087},{"word":"it's","start":625.485,"end":625.725,"confidence":0.984375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.10094596445560455},{"word":"telling","start":625.725,"end":626.045,"confidence":1.0,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":-0.09482221305370332},{"word":"me","start":626.045,"end":626.205,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.10453987121582033},{"word":"that","start":626.205,"end":626.445,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08044618368148804},{"word":"i'm","start":626.445,"end":626.685,"confidence":0.670166,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.07771823555231094},{"word":"i","start":626.935,"end":627.435,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09372998028993608},{"word":"that","start":628.74005,"end":628.82,"confidence":0.84814453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08719629049301147},{"word":"about","start":628.82,"end":629.14,"confidence":0.4399414,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1033700704574585},{"word":"a","start":629.14,"end":629.22003,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06719574332237244},{"word":"150","start":629.22003,"end":629.94,"confidence":0.9970703,"punctuated_word":"150","sentiment":"neutral","sentiment_score":-0.022397443652153015},{"word":"came","start":629.94,"end":630.26,"confidence":0.9873047,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.05084611475467682},{"word":"in","start":630.26,"end":630.76,"confidence":0.9511719,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.05130160599946976},{"word":"so","start":631.14,"end":631.64,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06488154828548431},{"word":"i","start":632.26,"end":632.42004,"confidence":0.96533203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1562152802944183},{"word":"don't","start":632.42004,"end":632.58,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13744507730007172},{"word":"know","start":632.58,"end":633.08,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.2041827291250229},{"word":"what","start":633.54004,"end":633.78,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.16103370487689972},{"word":"ends","start":633.78,"end":634.02,"confidence":0.9472656,"punctuated_word":"ends","sentiment":"neutral","sentiment_score":-0.10731896758079527},{"word":"up","start":634.02,"end":634.18005,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.13678933680057526},{"word":"working","start":634.18005,"end":634.5,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.1090790331363678},{"word":"out","start":634.5,"end":634.74005,"confidence":0.8959961,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.05752573162317276},{"word":"to","start":634.74005,"end":634.9,"confidence":0.9165039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08751388639211655},{"word":"once","start":634.9,"end":635.22003,"confidence":0.62158203,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.08509604632854462},{"word":"expenses","start":635.22003,"end":635.72003,"confidence":0.9902344,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":-0.05321250855922699},{"word":"and","start":635.94,"end":636.26,"confidence":0.96875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09737298637628557},{"word":"whatever's","start":636.26,"end":636.66003,"confidence":0.7631836,"punctuated_word":"whatever's","sentiment":"neutral","sentiment_score":-0.1072874516248703},{"word":"taken","start":636.66003,"end":637.06006,"confidence":0.86279297,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":-0.08647525310516357},{"word":"out","start":637.06006,"end":637.22003,"confidence":0.85058594,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.19768933951854703},{"word":"of","start":637.22003,"end":637.72003,"confidence":0.93725586,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":-0.1497037410736084},{"word":"and","start":637.86005,"end":638.10004,"confidence":0.9770508,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05117212235927582},{"word":"i","start":638.10004,"end":638.18005,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021969854831695557},{"word":"don't","start":638.18005,"end":638.42004,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.029018787667155262},{"word":"know","start":638.42004,"end":638.58,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06082975119352341},{"word":"if","start":638.58,"end":638.74005,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0578213632106781},{"word":"i'm","start":638.74005,"end":638.9,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.026414161548018456},{"word":"looking","start":638.9,"end":639.22003,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.021474774926900864},{"word":"at","start":639.22003,"end":639.38,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.031147487461566925},{"word":"the","start":639.38,"end":639.54004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008911356329917908},{"word":"right","start":639.54004,"end":639.86005,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.014457277953624724},{"word":"numbers","start":639.86005,"end":640.26,"confidence":0.99609375,"punctuated_word":"numbers,","sentiment":"neutral","sentiment_score":0.011575140058994291},{"word":"but","start":640.26,"end":640.76,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.001794569194316864},{"word":"i'm","start":641.055,"end":641.555,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.14828167855739594},{"word":"pretty","start":641.615,"end":641.935,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.1382317841053009},{"word":"sure","start":641.935,"end":642.255,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.054779328405857086},{"word":"that's","start":642.255,"end":642.755,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.09719575941562653},{"word":"that's","start":642.815,"end":643.315,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.072740338742733},{"word":"right","start":643.375,"end":643.875,"confidence":0.99902344,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.0407075434923172},{"word":"yeah","start":655.87,"end":656.37,"confidence":0.8129883,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.060508087277412415},{"word":"yeah","start":659.87,"end":660.19,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07941626757383347},{"word":"no","start":660.19,"end":660.35,"confidence":0.9921875,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.19050779938697815},{"word":"worries","start":660.35,"end":660.85,"confidence":0.99658203,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.239046573638916},{"word":"yes","start":669.495,"end":669.995,"confidence":0.99560547,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12602752447128296},{"word":"let","start":674.375,"end":674.615,"confidence":0.7680664,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.036621928215026855},{"word":"me","start":674.615,"end":674.775,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05166933685541153},{"word":"get","start":674.775,"end":674.935,"confidence":0.9902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05184205621480942},{"word":"it","start":674.935,"end":675.09503,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08513206988573074},{"word":"up","start":675.09503,"end":675.59503,"confidence":0.98706055,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.05886206403374672},{"word":"so","start":683.73,"end":683.97,"confidence":0.5253906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.039646610617637634},{"word":"2","start":683.97,"end":684.29,"confidence":0.76123047,"punctuated_word":"2,","sentiment":"neutral","sentiment_score":0.03145898878574371},{"word":"i","start":684.29,"end":684.45,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04592983052134514},{"word":"think","start":684.45,"end":684.77,"confidence":0.9284668,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.0417313352227211},{"word":"2819","start":684.77,"end":686.37,"confidence":0.9310303,"punctuated_word":"2819.","sentiment":"neutral","sentiment_score":0.035307832062244415},{"word":"so","start":686.37,"end":686.61,"confidence":0.9550781,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.028431951999664307},{"word":"282","start":686.61,"end":687.33,"confidence":0.9785156,"punctuated_word":"282,","sentiment":"neutral","sentiment_score":0.031079409644007683},{"word":"let's","start":687.33,"end":687.65,"confidence":0.99853516,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.03522071987390518},{"word":"say","start":687.65,"end":688.15,"confidence":0.9890137,"punctuated_word":"say.","sentiment":"neutral","sentiment_score":0.06277911365032196},{"word":"yeah","start":691.25,"end":691.75,"confidence":0.7397461,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1610577404499054},{"word":"i","start":699.38495,"end":699.625,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05846557021141052},{"word":"assume","start":699.625,"end":699.94495,"confidence":0.9921875,"punctuated_word":"assume","sentiment":"neutral","sentiment_score":0.0746062770485878},{"word":"so","start":699.94495,"end":700.26495,"confidence":0.9921875,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.07377210259437561},{"word":"i","start":700.26495,"end":700.385,"confidence":0.96533203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04862071946263313},{"word":"i","start":700.385,"end":700.505,"confidence":0.7685547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04702860489487648},{"word":"hope","start":700.505,"end":700.745,"confidence":0.82128906,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.030001088976860046},{"word":"we","start":700.745,"end":700.90497,"confidence":0.96533203,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05282241478562355},{"word":"haven't","start":700.90497,"end":701.14496,"confidence":0.99902344,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.013295698910951614},{"word":"had","start":701.14496,"end":701.46497,"confidence":0.9667969,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.013203978538513184},{"word":"it","start":701.46497,"end":701.625,"confidence":0.96875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02131248265504837},{"word":"officially","start":701.625,"end":702.125,"confidence":0.9038086,"punctuated_word":"officially","sentiment":"neutral","sentiment_score":0.021551549434661865},{"word":"evaluated","start":702.185,"end":702.685,"confidence":0.85131836,"punctuated_word":"evaluated,","sentiment":"neutral","sentiment_score":0.01802092231810093},{"word":"but","start":702.745,"end":703.065,"confidence":0.9550781,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0027881935238838196},{"word":"most","start":703.065,"end":703.305,"confidence":0.99316406,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.0015427768230438232},{"word":"of","start":703.305,"end":703.38495,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01305370032787323},{"word":"the","start":703.38495,"end":703.545,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016250982880592346},{"word":"houses","start":703.545,"end":703.865,"confidence":0.99902344,"punctuated_word":"houses","sentiment":"neutral","sentiment_score":0.0061194077134132385},{"word":"around","start":703.865,"end":704.105,"confidence":0.9921875,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.009928852319717407},{"word":"here","start":704.105,"end":704.345,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.007735513150691986},{"word":"are","start":704.345,"end":704.425,"confidence":0.6298828,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.009549617767333984},{"word":"selling","start":704.425,"end":704.925,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.004682183265686035},{"word":"1","start":705.14496,"end":705.46497,"confidence":0.9863281,"punctuated_word":"1","sentiment":"neutral","sentiment_score":0.015640396624803543},{"word":"mil","start":705.46497,"end":705.70496,"confidence":0.40405273,"punctuated_word":"mil","sentiment":"neutral","sentiment_score":0.019261330366134644},{"word":"plus","start":705.70496,"end":706.20496,"confidence":0.9597168,"punctuated_word":"plus.","sentiment":"neutral","sentiment_score":0.027890674769878387},{"word":"yeah","start":708.82495,"end":709.32495,"confidence":0.782959,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03546183556318283},{"word":"okay","start":724.02997,"end":724.52997,"confidence":0.9304199,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07042916119098663},{"word":"so","start":728.865,"end":729.105,"confidence":0.4946289,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01928827539086342},{"word":"that","start":729.105,"end":729.425,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.030859600752592087},{"word":"would","start":729.425,"end":729.665,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.008054554462432861},{"word":"mean","start":729.665,"end":730.145,"confidence":1.0,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.01822105050086975},{"word":"in","start":730.145,"end":730.305,"confidence":0.90478516,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0019725635647773743},{"word":"the","start":730.305,"end":730.465,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.001333564519882202},{"word":"case","start":730.465,"end":730.945,"confidence":1.0,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.005953185260295868},{"word":"that","start":730.945,"end":731.445,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009018667042255402},{"word":"i","start":731.825,"end":732.325,"confidence":0.7109375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.020964469760656357},{"word":"couldn't","start":732.705,"end":733.105,"confidence":0.982666,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.03211082145571709},{"word":"work","start":733.105,"end":733.605,"confidence":0.98095703,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.04653901606798172},{"word":"through","start":733.745,"end":734.245,"confidence":0.9863281,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.06563347578048706},{"word":"disability","start":734.305,"end":734.805,"confidence":0.9790039,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":-0.050328630954027176},{"word":"or","start":735.105,"end":735.605,"confidence":0.8959961,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05519751459360123},{"word":"some","start":737.185,"end":737.585,"confidence":0.94921875,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.044169239699840546},{"word":"whatever","start":737.585,"end":737.985,"confidence":0.58496094,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.005216822028160095},{"word":"whatever","start":737.985,"end":738.305,"confidence":0.98291016,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":-0.003287971019744873},{"word":"else","start":738.305,"end":738.705,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.008191950619220734},{"word":"that","start":738.705,"end":738.945,"confidence":0.6977539,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.026012271642684937},{"word":"you","start":738.945,"end":739.105,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030036285519599915},{"word":"get","start":739.105,"end":739.425,"confidence":0.98535156,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06093115359544754},{"word":"500,000","start":739.425,"end":740.065,"confidence":0.8725586,"punctuated_word":"500,000","sentiment":"neutral","sentiment_score":0.03675031661987305},{"word":"upfront","start":740.065,"end":740.565,"confidence":0.6347656,"punctuated_word":"upfront.","sentiment":"neutral","sentiment_score":0.016521286219358444},{"word":"yep","start":745.29004,"end":745.79004,"confidence":0.85180664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06759122014045715},{"word":"that's","start":751.21,"end":751.53,"confidence":0.67248535,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.04960864409804344},{"word":"clean","start":751.53,"end":752.03,"confidence":0.7233887,"punctuated_word":"clean.","sentiment":"neutral","sentiment_score":0.049589455127716064},{"word":"okay","start":752.81,"end":753.13,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07380115240812302},{"word":"and","start":753.13,"end":753.29004,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0634322538971901},{"word":"that","start":753.29004,"end":753.45,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06953102350234985},{"word":"would","start":753.45,"end":753.61,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06483430415391922},{"word":"be","start":753.61,"end":753.77,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05833965539932251},{"word":"ongoing","start":753.77,"end":754.17,"confidence":0.9980469,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.09577085077762604},{"word":"as","start":754.17,"end":754.41003,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09917455911636353},{"word":"well","start":754.41003,"end":754.91003,"confidence":0.8342285,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07840744405984879},{"word":"yeah","start":757.185,"end":757.265,"confidence":0.80371094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06875736266374588},{"word":"i","start":757.265,"end":757.425,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05659979954361915},{"word":"i","start":757.425,"end":757.505,"confidence":0.74658203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04969549179077149},{"word":"guess","start":757.505,"end":757.745,"confidence":0.99902344,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.06935842335224152},{"word":"so","start":757.745,"end":757.905,"confidence":0.9428711,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.06758537143468857},{"word":"yeah","start":757.905,"end":758.405,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12594053149223328},{"word":"okay","start":766.865,"end":767.365,"confidence":0.9133301,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.008540311828255653},{"word":"yes","start":769.47,"end":769.97,"confidence":0.79711914,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09144920110702516},{"word":"okay","start":778.91,"end":779.41,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2238389551639557},{"word":"yep","start":788.395,"end":788.795,"confidence":0.7897949,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16957345604896543},{"word":"no","start":788.795,"end":789.035,"confidence":0.9902344,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.22795361280441284},{"word":"worries","start":789.035,"end":789.535,"confidence":0.99902344,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.34600621461868286},{"word":"yeah","start":801.95,"end":802.35,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.009813763201236725},{"word":"probably","start":802.35,"end":802.83,"confidence":0.9941406,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.12531909346580505},{"word":"not","start":802.83,"end":803.07,"confidence":0.98828125,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15636083483695984},{"word":"as","start":803.07,"end":803.23,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1507825255393982},{"word":"much","start":803.23,"end":803.55,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.1368112862110138},{"word":"this","start":803.55,"end":803.79,"confidence":0.99609375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2670375108718872},{"word":"time","start":803.79,"end":804.03,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.28200602531433105},{"word":"around","start":804.03,"end":804.27,"confidence":0.88720703,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":-0.2424139380455017},{"word":"i","start":804.27,"end":804.43,"confidence":0.9526367,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19837599992752075},{"word":"think","start":804.43,"end":804.93,"confidence":0.83251953,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":-0.11861634254455566},{"word":"he's","start":805.31,"end":805.55,"confidence":0.58154297,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":-0.04387744888663292},{"word":"gonna","start":805.55,"end":805.70996,"confidence":0.27246094,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.04799571633338928},{"word":"add","start":805.70996,"end":805.87,"confidence":0.33520508,"punctuated_word":"add","sentiment":"neutral","sentiment_score":-0.03223570063710213},{"word":"your","start":805.87,"end":806.11,"confidence":0.2019043,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04719313234090805},{"word":"account","start":806.11,"end":806.61,"confidence":0.5938721,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.04632900282740593},{"word":"with","start":811.15,"end":811.265,"confidence":0.34350586,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.023454677313566208},{"word":"con","start":811.265,"end":811.38,"confidence":0.26782227,"punctuated_word":"con","sentiment":"neutral","sentiment_score":0.03616771847009659},{"word":"where","start":811.63,"end":811.95,"confidence":0.19030762,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.01234355941414833},{"word":"it's","start":811.95,"end":812.45,"confidence":0.88256836,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04828610271215439},{"word":"we'll","start":812.63495,"end":812.795,"confidence":0.79345703,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.04186282306909561},{"word":"be","start":812.795,"end":812.95496,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05187838897109032},{"word":"at","start":812.95496,"end":813.19495,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03535159304738045},{"word":"5","start":813.19495,"end":813.51495,"confidence":0.95410156,"punctuated_word":"5","sentiment":"neutral","sentiment_score":0.03248817101120949},{"word":"by","start":813.51495,"end":813.675,"confidence":0.52685547,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.03692886233329773},{"word":"the","start":813.675,"end":813.755,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06112167984247208},{"word":"end","start":813.755,"end":813.915,"confidence":0.99609375,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.0521819181740284},{"word":"of","start":813.915,"end":813.995,"confidence":0.98291016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04285228997468949},{"word":"the","start":813.995,"end":814.07495,"confidence":0.7788086,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04312264174222946},{"word":"week","start":814.07495,"end":814.315,"confidence":0.8757324,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.04614007845520973},{"word":"i","start":814.315,"end":814.39496,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.024000592529773712},{"word":"think","start":814.39496,"end":814.71497,"confidence":0.8691406,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.001719653606414795},{"word":"5","start":814.71497,"end":815.035,"confidence":0.9863281,"punctuated_word":"5","sentiment":"neutral","sentiment_score":-0.03697473555803299},{"word":"k","start":815.035,"end":815.27496,"confidence":0.92333984,"punctuated_word":"k","sentiment":"neutral","sentiment_score":-0.02742966450750828},{"word":"is","start":815.27496,"end":815.51495,"confidence":0.7265625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0627138763666153},{"word":"not","start":815.51495,"end":816.01495,"confidence":0.99121094,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.05788781866431236},{"word":"not","start":817.995,"end":818.39496,"confidence":0.90478516,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07235631346702576},{"word":"heapsing","start":818.39496,"end":818.795,"confidence":0.6821289,"punctuated_word":"heapsing","sentiment":"neutral","sentiment_score":-0.0643141120672226},{"word":"at","start":818.795,"end":818.875,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09954038262367249},{"word":"the","start":818.875,"end":819.035,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07734367251396179},{"word":"moment","start":819.035,"end":819.535,"confidence":0.99658203,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.03508051112294197},{"word":"yep","start":820.63495,"end":821.13495,"confidence":0.83154297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.052320849150419235},{"word":"no","start":841.985,"end":842.385,"confidence":0.8876953,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09504520148038864},{"word":"just","start":842.385,"end":842.705,"confidence":0.68066406,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.09110721945762634},{"word":"kind","start":842.705,"end":842.945,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.08522404730319977},{"word":"of","start":842.945,"end":843.105,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08179885149002075},{"word":"yeah","start":843.505,"end":843.985,"confidence":0.98657227,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.09127539396286012},{"word":"potentially","start":843.985,"end":844.485,"confidence":0.99902344,"punctuated_word":"Potentially","sentiment":"neutral","sentiment_score":-0.053959205746650696},{"word":"potentially","start":844.945,"end":845.445,"confidence":0.77368164,"punctuated_word":"potentially,","sentiment":"neutral","sentiment_score":-0.04752020910382271},{"word":"if","start":846.385,"end":846.545,"confidence":0.5551758,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.022547349333763123},{"word":"there's","start":846.545,"end":846.945,"confidence":0.9980469,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.04780999571084976},{"word":"extra","start":846.945,"end":847.265,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.037571609020233154},{"word":"space","start":847.265,"end":847.58496,"confidence":1.0,"punctuated_word":"space","sentiment":"neutral","sentiment_score":-0.05032669007778168},{"word":"to","start":847.58496,"end":847.745,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.034238800406455994},{"word":"invest","start":847.745,"end":848.245,"confidence":0.9880371,"punctuated_word":"invest,","sentiment":"neutral","sentiment_score":-0.04776056483387947},{"word":"we","start":849.89,"end":850.13,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05944838374853134},{"word":"will","start":850.13,"end":850.45,"confidence":0.7614746,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":-0.040166158229112625},{"word":"but","start":850.45,"end":850.61,"confidence":0.9172363,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.041425880044698715},{"word":"yeah","start":850.61,"end":850.85004,"confidence":0.99609375,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.04690977558493614},{"word":"just","start":850.85004,"end":851.09,"confidence":0.9482422,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05252694338560104},{"word":"kind","start":851.09,"end":851.41003,"confidence":0.6455078,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0765497237443924},{"word":"of","start":851.41003,"end":851.49,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05858559161424637},{"word":"pending","start":851.49,"end":851.89,"confidence":0.99316406,"punctuated_word":"pending","sentiment":"neutral","sentiment_score":-0.06615399569272995},{"word":"funds","start":851.89,"end":852.29,"confidence":0.95410156,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.031760163605213165},{"word":"coming","start":852.29,"end":852.61,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.05694134533405304},{"word":"in","start":852.61,"end":853.11,"confidence":0.9802246,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.01630733534693718},{"word":"yeah","start":853.33,"end":853.65,"confidence":0.9255371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12311936914920808},{"word":"holidays","start":853.65,"end":854.15,"confidence":0.91625977,"punctuated_word":"Holidays","sentiment":"neutral","sentiment_score":0.23731517791748047},{"word":"definitely","start":854.69,"end":855.19,"confidence":0.6508789,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.2544225752353668},{"word":"in","start":855.33,"end":855.57,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1764610856771469},{"word":"the","start":855.57,"end":855.73,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22825808823108673},{"word":"plans","start":855.73,"end":856.23,"confidence":0.9589844,"punctuated_word":"plans","sentiment":"neutral","sentiment_score":0.2479771673679352},{"word":"over","start":856.93,"end":857.17,"confidence":0.9819336,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2422078847885132},{"word":"the","start":857.17,"end":857.25,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21283511817455292},{"word":"next","start":857.25,"end":857.49,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1923271417617798},{"word":"couple","start":857.49,"end":857.73,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1612451672554016},{"word":"of","start":857.73,"end":857.81,"confidence":0.7963867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19179195165634155},{"word":"years","start":857.81,"end":858.05,"confidence":0.751709,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.19690118730068207},{"word":"so","start":858.05,"end":858.55,"confidence":0.96533203,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.17846573889255524},{"word":"it's","start":859.01,"end":859.09,"confidence":0.76416016,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.20899587869644165},{"word":"it's","start":859.09,"end":859.17,"confidence":0.71899414,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1967984437942505},{"word":"one","start":859.17,"end":859.41003,"confidence":0.9375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1421705186367035},{"word":"we'll","start":859.41003,"end":859.65,"confidence":0.9836426,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1614338755607605},{"word":"probably","start":859.65,"end":860.05,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1974911093711853},{"word":"try","start":860.05,"end":860.29,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.17926748096942902},{"word":"to","start":860.29,"end":860.79,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18267275393009183},{"word":"put","start":861.33,"end":861.45,"confidence":0.97802734,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.12718433141708374},{"word":"a","start":861.45,"end":861.57,"confidence":0.9658203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15228964388370514},{"word":"bit","start":861.57,"end":861.81,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09820996969938278},{"word":"more","start":861.81,"end":862.05,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.07360385358333588},{"word":"focus","start":862.05,"end":862.37,"confidence":0.9921875,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.12461300939321518},{"word":"into","start":862.37,"end":862.87,"confidence":0.95166016,"punctuated_word":"into.","sentiment":"neutral","sentiment_score":0.14334151148796082},{"word":"otherwise","start":863.84503,"end":864.325,"confidence":0.98779297,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":0.22744351625442505},{"word":"generally","start":864.325,"end":864.72504,"confidence":0.90527344,"punctuated_word":"generally,","sentiment":"neutral","sentiment_score":0.2815287709236145},{"word":"the","start":864.72504,"end":864.885,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29499009251594543},{"word":"same","start":864.885,"end":865.385,"confidence":0.99902344,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.37136751413345337},{"word":"stuff","start":868.72504,"end":869.22504,"confidence":0.99853516,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":0.25790315866470337},{"word":"yep","start":873.685,"end":874.185,"confidence":0.74572754,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17402753233909607},{"word":"correct","start":880.89996,"end":881.39996,"confidence":0.8215332,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.09893080592155457},{"word":"yep","start":882.82,"end":883.32,"confidence":0.8269043,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26768890023231506},{"word":"no","start":891.3,"end":891.585,"confidence":0.94433594,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.006640557199716568},{"word":"no","start":891.66504,"end":891.905,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05634044110774994},{"word":"i","start":891.905,"end":891.98505,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.007301047444343567},{"word":"think","start":891.98505,"end":892.305,"confidence":0.7626953,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.02594739943742752},{"word":"yeah","start":892.305,"end":892.54504,"confidence":0.98413086,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.08115974813699722},{"word":"as","start":892.54504,"end":892.625,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2177636027336121},{"word":"long","start":892.625,"end":892.86505,"confidence":0.9951172,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2112182378768921},{"word":"as","start":892.86505,"end":892.945,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.26998263597488403},{"word":"everything's","start":892.945,"end":893.265,"confidence":0.95043945,"punctuated_word":"everything's","sentiment":"positive","sentiment_score":0.3443649709224701},{"word":"in","start":893.265,"end":893.42505,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3215896487236023},{"word":"a","start":893.42505,"end":893.505,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27059629559516907},{"word":"good","start":893.505,"end":893.745,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.3119688332080841},{"word":"spot","start":893.745,"end":894.065,"confidence":0.8947754,"punctuated_word":"spot,","sentiment":"neutral","sentiment_score":0.27218225598335266},{"word":"if","start":894.065,"end":894.22504,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.21637532114982605},{"word":"we","start":894.22504,"end":894.385,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.26631826162338257},{"word":"feel","start":894.385,"end":894.625,"confidence":0.99609375,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.2741166055202484},{"word":"like","start":894.625,"end":894.705,"confidence":0.4555664,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2735046446323395},{"word":"we","start":894.705,"end":894.78503,"confidence":0.9658203,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2086672484874725},{"word":"can","start":894.78503,"end":894.945,"confidence":0.8432617,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2814563512802124},{"word":"get","start":894.945,"end":895.025,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.19394180178642273},{"word":"a","start":895.025,"end":895.10504,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20896828174591064},{"word":"bit","start":895.10504,"end":895.34503,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1615680754184723},{"word":"more","start":895.34503,"end":895.585,"confidence":0.99121094,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.16812218725681305},{"word":"value","start":895.585,"end":895.905,"confidence":0.9970703,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.09655093401670456},{"word":"out","start":895.905,"end":896.22504,"confidence":0.95410156,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2259327322244644},{"word":"of","start":896.22504,"end":896.305,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2117232084274292},{"word":"whatever","start":896.305,"end":896.805,"confidence":0.9892578,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.19312530755996704},{"word":"whatever","start":898.945,"end":899.445,"confidence":0.8996582,"punctuated_word":"whatever,","sentiment":"neutral","sentiment_score":0.1088351458311081},{"word":"yeah","start":900.465,"end":900.86505,"confidence":0.9812012,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.2321215867996216},{"word":"options","start":900.86505,"end":901.34503,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.2572723627090454},{"word":"are","start":901.34503,"end":901.825,"confidence":0.6064453,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.25186002254486084},{"word":"at","start":901.825,"end":901.905,"confidence":0.96435547,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.26925793290138245},{"word":"our","start":901.905,"end":902.145,"confidence":0.99121094,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.22303465008735657},{"word":"disposal","start":902.145,"end":902.645,"confidence":0.79541016,"punctuated_word":"disposal,","sentiment":"neutral","sentiment_score":0.2275361865758896},{"word":"that's","start":902.86505,"end":903.10504,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1756058633327484},{"word":"my","start":903.10504,"end":903.34503,"confidence":0.99316406,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1084364652633667},{"word":"kind","start":903.34503,"end":903.585,"confidence":0.6772461,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.01581135392189026},{"word":"of","start":903.585,"end":903.66504,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06503637880086899},{"word":"main","start":903.66504,"end":904.16504,"confidence":0.9902344,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.05182008445262909},{"word":"mindset","start":904.41,"end":904.81,"confidence":0.5550537,"punctuated_word":"mindset.","sentiment":"neutral","sentiment_score":0.1002890020608902},{"word":"i","start":904.81,"end":904.97,"confidence":0.44213867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1525077521800995},{"word":"get","start":904.97,"end":905.13,"confidence":0.23168945,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2284649759531021},{"word":"what's","start":905.13,"end":905.37,"confidence":0.4666748,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.2206859588623047},{"word":"kind","start":905.37,"end":905.52997,"confidence":0.9038086,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1396220326423645},{"word":"of","start":905.52997,"end":905.61,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21248404681682587},{"word":"the","start":905.69,"end":905.85,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21123164892196655},{"word":"reason","start":905.85,"end":906.08997,"confidence":0.99902344,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.1623740941286087},{"word":"why","start":906.08997,"end":906.25,"confidence":0.9921875,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.14305055141448977},{"word":"we","start":906.25,"end":906.32996,"confidence":0.97314453,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22060054540634155},{"word":"kinda","start":906.32996,"end":906.57,"confidence":0.44555664,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.26622599363327026},{"word":"got","start":906.57,"end":906.73,"confidence":0.90625,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.3076440393924713},{"word":"you","start":906.73,"end":906.88995,"confidence":0.9448242,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3320009410381317},{"word":"guys","start":906.88995,"end":907.13,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.3435865044593811},{"word":"on","start":907.13,"end":907.29,"confidence":0.8354492,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3745318651199341},{"word":"our","start":907.29,"end":907.37,"confidence":0.9326172,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.3485168218612671},{"word":"side","start":907.37,"end":907.61,"confidence":0.9951172,"punctuated_word":"side","sentiment":"positive","sentiment_score":0.3428724706172943},{"word":"is","start":907.61,"end":907.93,"confidence":0.97314453,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3204691410064697},{"word":"to","start":907.93,"end":908.08997,"confidence":0.82958984,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34084388613700867},{"word":"do","start":908.08997,"end":908.44995,"confidence":0.61572266,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3757453262805938},{"word":"all","start":908.44995,"end":908.81,"confidence":0.6850586,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.359423965215683},{"word":"the","start":908.81,"end":908.85,"confidence":0.6220703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3561028838157654},{"word":"you're","start":908.88995,"end":909.20996,"confidence":0.53930664,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.26164305210113525},{"word":"lever","start":909.20996,"end":909.52997,"confidence":0.30004883,"punctuated_word":"lever","sentiment":"neutral","sentiment_score":0.2417447417974472},{"word":"lifting","start":909.52997,"end":909.76996,"confidence":0.8051758,"punctuated_word":"lifting","sentiment":"positive","sentiment_score":0.3751855492591858},{"word":"for","start":909.76996,"end":910.01,"confidence":0.9707031,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2843068242073059},{"word":"us","start":910.01,"end":910.08997,"confidence":0.9951172,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.22160346806049347},{"word":"because","start":910.08997,"end":910.32996,"confidence":0.65478516,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1431030035018921},{"word":"a","start":910.32996,"end":910.41,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14475736021995544},{"word":"lot","start":910.41,"end":910.57,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.1384093165397644},{"word":"of","start":910.57,"end":910.81,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20961573719978333},{"word":"the","start":910.81,"end":911.31,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14367353916168213},{"word":"the","start":911.69,"end":911.76996,"confidence":0.90234375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09330634027719498},{"word":"language","start":911.76996,"end":912.25,"confidence":1.0,"punctuated_word":"language","sentiment":"neutral","sentiment_score":0.08206725120544434},{"word":"and","start":912.25,"end":912.57,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1096593588590622},{"word":"what","start":912.57,"end":912.73,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13270552456378937},{"word":"to","start":912.73,"end":912.88995,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11693450808525084},{"word":"look","start":912.88995,"end":913.13,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07305290549993515},{"word":"for","start":913.13,"end":913.52997,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08262866735458374},{"word":"yeah","start":914.41,"end":914.91,"confidence":0.93725586,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.12700137495994568},{"word":"because","start":915.20996,"end":915.45,"confidence":0.67626953,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.05110280960798263},{"word":"i've","start":915.45,"end":915.69,"confidence":0.73779297,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.09472312778234482},{"word":"got","start":915.69,"end":915.93,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11095878481864928},{"word":"no","start":915.93,"end":916.01,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.02695438265800476},{"word":"clue","start":916.01,"end":916.25,"confidence":0.7871094,"punctuated_word":"clue,","sentiment":"neutral","sentiment_score":-0.005628552287817001},{"word":"and","start":916.25,"end":916.41,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009936287999153135},{"word":"most","start":916.41,"end":916.64996,"confidence":0.93408203,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.05907568335533142},{"word":"of","start":916.64996,"end":916.73,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0806257575750351},{"word":"it","start":916.73,"end":916.88995,"confidence":0.97265625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07456747442483902},{"word":"goes","start":916.88995,"end":917.13,"confidence":0.9819336,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.07078869640827179},{"word":"over","start":917.13,"end":917.37,"confidence":0.97998047,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.107082799077034},{"word":"my","start":917.37,"end":917.52997,"confidence":0.9892578,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.08660592138767242},{"word":"head","start":917.52997,"end":917.69,"confidence":0.97802734,"punctuated_word":"head.","sentiment":"neutral","sentiment_score":0.0752929300069809},{"word":"so","start":917.69,"end":917.93,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24314577877521515},{"word":"as","start":917.93,"end":918.01,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3138431906700134},{"word":"long","start":918.01,"end":918.17,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.3296353816986084},{"word":"as","start":918.17,"end":918.32996,"confidence":0.9970703,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.41594743728637695},{"word":"we're","start":918.32996,"end":918.49,"confidence":0.8395996,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.501379132270813},{"word":"in","start":918.49,"end":918.73,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4916033446788788},{"word":"a","start":918.73,"end":918.81,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.510143518447876},{"word":"good","start":918.81,"end":919.05,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4876396656036377},{"word":"spot","start":919.05,"end":919.29,"confidence":0.99609375,"punctuated_word":"spot,","sentiment":"positive","sentiment_score":0.5108003616333008},{"word":"that's","start":919.29,"end":919.79,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5733307600021362},{"word":"my","start":920.465,"end":920.625,"confidence":0.9970703,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.5952690839767456},{"word":"priority","start":920.625,"end":921.125,"confidence":0.9995117,"punctuated_word":"priority.","sentiment":"positive","sentiment_score":0.5256078839302063},{"word":"yeah","start":927.185,"end":927.685,"confidence":0.8562012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1805051267147064},{"word":"yeah","start":935.185,"end":935.55,"confidence":0.79833984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11140245944261552},{"word":"yeah","start":938.26996,"end":938.58997,"confidence":0.8029785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.120072603225708},{"word":"no","start":938.58997,"end":938.75,"confidence":0.97509766,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.17758996784687042},{"word":"worries","start":938.75,"end":939.25,"confidence":0.99853516,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.23870781064033508},{"word":"yeah","start":950.43,"end":950.745,"confidence":0.76416016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0922575742006302},{"word":"yep","start":958.265,"end":958.345,"confidence":0.9812012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08531024307012558},{"word":"next","start":958.345,"end":958.745,"confidence":0.99316406,"punctuated_word":"Next","sentiment":"neutral","sentiment_score":0.0571853406727314},{"word":"week","start":958.745,"end":959.245,"confidence":0.8083496,"punctuated_word":"week?","sentiment":"neutral","sentiment_score":0.07821853458881378},{"word":"i'm","start":962.025,"end":962.105,"confidence":0.58947754,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.36334407329559326},{"word":"happy","start":962.105,"end":962.425,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.413582444190979},{"word":"to","start":962.425,"end":962.505,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.408229261636734},{"word":"do","start":962.505,"end":962.665,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.40123701095581055},{"word":"the","start":962.665,"end":962.825,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.403504341840744},{"word":"same","start":962.825,"end":963.305,"confidence":1.0,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.40282654762268066},{"word":"as","start":963.305,"end":963.545,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5089166760444641},{"word":"as","start":963.545,"end":963.705,"confidence":0.98828125,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.48682108521461487},{"word":"now","start":963.705,"end":964.025,"confidence":0.9951172,"punctuated_word":"now","sentiment":"positive","sentiment_score":0.47660014033317566},{"word":"if","start":964.025,"end":964.105,"confidence":0.58496094,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.35292619466781616},{"word":"that","start":964.105,"end":964.265,"confidence":0.86328125,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.37807637453079224},{"word":"works","start":964.265,"end":964.74,"confidence":0.9667969,"punctuated_word":"works.","sentiment":"neutral","sentiment_score":0.2885885536670685},{"word":"yep","start":968.66,"end":969.16,"confidence":0.7357178,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.169074147939682},{"word":"yep","start":974.42,"end":974.92,"confidence":0.8605957,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0974893793463707},{"word":"do","start":974.98,"end":975.14,"confidence":0.91503906,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.04837559536099434},{"word":"you","start":975.14,"end":975.22,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06000592187047005},{"word":"need","start":975.22,"end":975.45996,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.052670735865831375},{"word":"us","start":975.45996,"end":975.62,"confidence":0.92578125,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.042866386473178864},{"word":"both","start":975.62,"end":975.86,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.04700570926070213},{"word":"or","start":975.86,"end":976.02,"confidence":0.7397461,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05243958160281181},{"word":"just","start":976.02,"end":976.42,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06427984684705734},{"word":"just","start":976.42,"end":976.66,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0938584804534912},{"word":"me","start":976.66,"end":976.89996,"confidence":0.9819336,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.11533179134130478},{"word":"is","start":976.89996,"end":977.06,"confidence":0.5395508,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1114310473203659},{"word":"fine","start":977.06,"end":977.56,"confidence":0.9782715,"punctuated_word":"fine?","sentiment":"neutral","sentiment_score":0.07410533726215363},{"word":"yes","start":978.82,"end":979.32,"confidence":0.6652832,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06677541136741638},{"word":"yes","start":979.38,"end":979.7,"confidence":0.8215332,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.059654925018548965},{"word":"that's","start":979.7,"end":980.02,"confidence":0.95214844,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13544325530529022},{"word":"fine","start":980.02,"end":980.355,"confidence":0.9941406,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.05992402136325836},{"word":"yep","start":986.435,"end":986.935,"confidence":0.9091797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17274683713912964},{"word":"no","start":989.15497,"end":989.315,"confidence":0.9921875,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.2751157581806183},{"word":"worries","start":989.315,"end":989.815,"confidence":0.9941406,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.4029026925563812},{"word":"no","start":999.3,"end":999.45996,"confidence":0.8613281,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.2829350233078003},{"word":"worries","start":999.45996,"end":999.69995,"confidence":0.80371094,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.28881028294563293},{"word":"no","start":999.69995,"end":999.81995,"confidence":0.7993164,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.18087512254714969},{"word":"i","start":999.81995,"end":999.94,"confidence":0.6796875,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6327083110809326},{"word":"appreciate","start":999.94,"end":1000.42,"confidence":0.9980469,"punctuated_word":"appreciate","sentiment":"positive","sentiment_score":0.6579053401947021},{"word":"that","start":1000.42,"end":1000.92,"confidence":0.9914551,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5555369257926941},{"word":"alright","start":1002.98,"end":1003.22,"confidence":0.86376953,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.373276561498642},{"word":"take","start":1003.22,"end":1003.45996,"confidence":0.94628906,"punctuated_word":"Take","sentiment":"positive","sentiment_score":0.49848490953445435},{"word":"care","start":1003.45996,"end":1003.69995,"confidence":0.7110596,"punctuated_word":"care.","sentiment":"positive","sentiment_score":0.42481011152267456},{"word":"bye","start":1003.69995,"end":1003.86,"confidence":0.99902344,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.1937748491764069},{"word":"bye","start":1003.86,"end":1004.36,"confidence":0.99560547,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":0.23780378699302673}],"paragraphs":{"transcript":"\nHello? Good. And yourself? At 11:00. Good.\n\nGood. And I think it says sunny and warm down here, but can't complain, mate. That's it. That's it. How's your day, Minar?\n\nYeah. Yep. Perfect. Yep. 8 Inch Of Marsh 90946 Admirals Crescent, Tyler's Lights.\n\nYep. Yeah. Super contributions? I don't know. I don't I I assume it's all is it not automated?\n\nYep. Yep. Yep. Okay. Yes.\n\nCan we do that, please? No. Perfect. Yep. Yep.\n\nYeah. Yep. Yep. Yep. Yes.\n\nYeah. Definitely claim travel and and definitely out to see clients on a weekly basis. Yep. Okay. Yeah.\n\nYes. Yep. Yep. So I've got I yeah. I've been meaning to and it's my fault because I keep putting the conversation off just because I've been busy and just haven't got my mindset across it yet.\n\nBut I need to I probably need your help in, especially in that kind of insurance space. Now that I'm kinda working on I've obviously been working for myself for a few years now, but I need to get in a better spot in terms of I'd rather just get the best cover, whatever that is, even if that has to be on my own. I know that at the at the at the start, I was kind of I wanted to in my head, just wanted to make sure we're both in the best position we could be and if that would meant us being on the same policy. In my head, I thought that might have been the best way to go about it. But if it's not and it's better off or it's more beneficial for me to be on my own because there's there's additional benefit because I'm working for myself or whatever, I I just I need to cover myself as best as I can given I'm the I'm making I'm I'm kind of the financial sort of yeah.\n\nFor lack of a a better word, like, if anything happens to me at the moment, then we're we're not supported as well as we we potentially could be. So I'd rather kind of if there's a better policy to ensure that we're getting the maximum out of it, and it's it's all coming out of the best places like Super or whatever else, I'd rather, yeah, us look into that. I hope that's made sense because it's it probably sound like a little ramble, but, yeah, I I don't want us to be constrained by anything. I'd rather just get the best cover. And if that means we need to have an alternate to the alley or us to go off, and we have to sort that out, that's so be it.\n\nYep. Yep. Yep. Yep. Okay.\n\nYes. I'm I'm sure we could, but anything again, anything if it means you get the money quicker if we ever needed to, I'm, yeah, happy to explore it. Yeah. Okay. Yeah.\n\nYeah. I I I've again, I've been waiting to kind of get some stability in my income to ensure that I could get some kind of ongoing super happening per month from my end, and and and you've obviously seen that in the last couple of months, I've I've kinda got that ongoing installment going in. So, yeah, whatever that means, that's fine. Obviously, yeah, I know anything that reduces fees and all that sort of stuff. Yeah.\n\nJust the more money coming in, the better. Whatever that looks like. Yep. Yeah. No worries.\n\nYep. That's okay. I'll have to find it. Why would I do that? Yes.\n\nYep. Yeah. So what do you need from me? Yep. Yeah.\n\nOkay. Yeah. Oh, perfect. No worries. Yeah.\n\nI I before tax? I'm speaking. I think before tax, that would have been last year. If I'm looking at my QuickBooks, it's telling me that I'm I that about a 150 came in. So I don't know what ends up working out to once expenses and whatever's taken out of.\n\nAnd I don't know if I'm looking at the right numbers, but I'm pretty sure that's that's right. Yeah. Yeah. No worries. Yes.\n\nLet me get it up. So 2, I think, 2819. So 282, let's say. Yeah. I assume so.\n\nI I hope we haven't had it officially evaluated, but most of the houses around here are selling 1 mil plus. Yeah. Okay. So that would mean in the case that I couldn't work through disability or some whatever whatever else that you get 500,000 upfront. Yep.\n\nThat's clean. Okay. And that would be ongoing as well. Yeah. I I guess so.\n\nYeah. Okay. Yes. Okay. Yep.\n\nNo worries. Yeah. Probably not as much this time around, I think. He's gonna add your account. With con where it's we'll be at 5 by the end of the week, I think.\n\n5 k is not not heapsing at the moment. Yep. No. Just kind of yeah. Potentially potentially, if there's extra space to invest, we will, but, yeah, just kind of pending funds coming in.\n\nYeah. Holidays definitely in the plans over the next couple of years, so it's it's one we'll probably try to put a bit more focus into. Otherwise, generally, the same stuff. Yep. Correct.\n\nYep. No. No. I think, yeah, as long as everything's in a good spot, if we feel like we can get a bit more value out of whatever whatever, yeah, options are at our disposal, that's my kind of main mindset. I get what's kind of the reason why we kinda got you guys on our side is to do all the you're lever lifting for us because a lot of the the language and what to look for yeah.\n\nBecause I've got no clue, and most of it goes over my head. So as long as we're in a good spot, that's my priority. Yeah. Yeah. Yeah.\n\nNo worries. Yeah. Yep. Next week? I'm happy to do the same as as now if that works.\n\nYep. Yep. Do you need us both or just just me is fine? Yes. Yes.\n\nThat's fine. Yep. No worries. No worries. No.\n\nI appreciate that. Alright. Take care. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.032263271510601044},{"text":"Good.","start":5.44,"end":5.68,"sentiment":"neutral","sentiment_score":0.33081066608428955},{"text":"And yourself?","start":5.68,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.21898598968982697},{"text":"At 11:00.","start":7.12,"end":8.18,"sentiment":"neutral","sentiment_score":0.15160295367240906},{"text":"Good.","start":13.44,"end":13.84,"sentiment":"positive","sentiment_score":0.4000999927520752}],"sentiment":"neutral","sentiment_score":0.21490740243877685,"num_words":7,"start":0.56,"end":13.84},{"sentences":[{"text":"Good.","start":13.84,"end":14.08,"sentiment":"positive","sentiment_score":0.41642674803733826},{"text":"And I think it says sunny and warm down here, but can't complain, mate.","start":14.08,"end":20.154999,"sentiment":"neutral","sentiment_score":0.31605479759829386},{"text":"That's it.","start":23.015,"end":23.654999,"sentiment":"neutral","sentiment_score":0.15538522601127625},{"text":"That's it.","start":23.654999,"end":24.134998,"sentiment":"neutral","sentiment_score":0.15413116663694382},{"text":"How's your day, Minar?","start":24.134998,"end":25.275,"sentiment":"neutral","sentiment_score":0.23127494007349014}],"sentiment":"neutral","sentiment_score":0.2776228895653849,"num_words":23,"start":13.84,"end":25.275},{"sentences":[{"text":"Yeah.","start":31.029999,"end":31.529999,"sentiment":"neutral","sentiment_score":0.2045217752456665},{"text":"Yep.","start":37.91,"end":38.41,"sentiment":"neutral","sentiment_score":0.11371322721242905},{"text":"Perfect.","start":44.79,"end":45.29,"sentiment":"positive","sentiment_score":0.4172782003879547},{"text":"Yep.","start":53.105,"end":53.605,"sentiment":"neutral","sentiment_score":0.0436767153441906},{"text":"8 Inch Of Marsh 90946 Admirals Crescent, Tyler's Lights.","start":57.86,"end":62.12,"sentiment":"neutral","sentiment_score":0.019855980657868914}],"sentiment":"neutral","sentiment_score":0.07368413416238931,"num_words":13,"start":31.029999,"end":62.12},{"sentences":[{"text":"Yep.","start":67.7,"end":68.2,"sentiment":"neutral","sentiment_score":0.03809372708201408},{"text":"Yeah.","start":86.115,"end":86.615,"sentiment":"neutral","sentiment_score":-0.003003186546266079},{"text":"Super contributions?","start":86.994995,"end":87.895,"sentiment":"neutral","sentiment_score":-0.012506264727562666},{"text":"I don't know.","start":92.15,"end":92.990005,"sentiment":"neutral","sentiment_score":-0.10178594539562862},{"text":"I don't I I assume it's all is it not automated?","start":92.990005,"end":98.33,"sentiment":"neutral","sentiment_score":-0.11341272836381738}],"sentiment":"neutral","sentiment_score":-0.0857122131726808,"num_words":18,"start":67.7,"end":98.33},{"sentences":[{"text":"Yep.","start":102.79,"end":103.29,"sentiment":"neutral","sentiment_score":-0.06737877428531647},{"text":"Yep.","start":104.685005,"end":105.185005,"sentiment":"neutral","sentiment_score":-0.023310869932174683},{"text":"Yep.","start":107.885,"end":108.385,"sentiment":"neutral","sentiment_score":-0.031559865921735764},{"text":"Okay.","start":112.765,"end":113.265,"sentiment":"neutral","sentiment_score":0.028196733444929123},{"text":"Yes.","start":119.34,"end":119.659996,"sentiment":"neutral","sentiment_score":0.13029667735099792}],"sentiment":"neutral","sentiment_score":0.007248780131340027,"num_words":5,"start":102.79,"end":119.659996},{"sentences":[{"text":"Can we do that, please?","start":119.659996,"end":120.88,"sentiment":"neutral","sentiment_score":0.12111817002296447},{"text":"No.","start":123.58,"end":124.08,"sentiment":"neutral","sentiment_score":0.007462635636329651},{"text":"Perfect.","start":128.3,"end":128.8,"sentiment":"positive","sentiment_score":0.6997278928756714},{"text":"Yep.","start":136.565,"end":137.065,"sentiment":"neutral","sentiment_score":0.08769973367452621},{"text":"Yep.","start":139.045,"end":139.545,"sentiment":"positive","sentiment_score":0.3572472035884857}],"sentiment":"neutral","sentiment_score":0.1953031462099817,"num_words":9,"start":119.659996,"end":139.545},{"sentences":[{"text":"Yeah.","start":150.51001,"end":151.01001,"sentiment":"neutral","sentiment_score":0.26302647590637207},{"text":"Yep.","start":152.03,"end":152.53,"sentiment":"neutral","sentiment_score":0.13195562362670898},{"text":"Yep.","start":161.39,"end":161.89,"sentiment":"neutral","sentiment_score":0.04452540725469589},{"text":"Yep.","start":170.005,"end":170.505,"sentiment":"neutral","sentiment_score":0.0667361244559288},{"text":"Yes.","start":182.68001,"end":183.18001,"sentiment":"neutral","sentiment_score":0.03260022774338722}],"sentiment":"neutral","sentiment_score":0.10776877179741859,"num_words":5,"start":150.51001,"end":183.18001},{"sentences":[{"text":"Yeah.","start":202.55,"end":202.87,"sentiment":"neutral","sentiment_score":0.11255791038274764},{"text":"Definitely claim travel and and definitely out to see clients on a weekly basis.","start":202.87,"end":208.89,"sentiment":"neutral","sentiment_score":0.23067655520779745},{"text":"Yep.","start":214.87,"end":215.37,"sentiment":"neutral","sentiment_score":0.04887324199080467},{"text":"Okay.","start":222.015,"end":222.515,"sentiment":"positive","sentiment_score":0.49036499857902527},{"text":"Yeah.","start":226.175,"end":226.675,"sentiment":"neutral","sentiment_score":0.05750640481710434}],"sentiment":"neutral","sentiment_score":0.21882079603771368,"num_words":18,"start":202.55,"end":226.675},{"sentences":[{"text":"Yes.","start":239.2,"end":239.7,"sentiment":"neutral","sentiment_score":0.06117933243513107},{"text":"Yep.","start":254.405,"end":254.905,"sentiment":"neutral","sentiment_score":0.05213959142565727},{"text":"Yep.","start":257.925,"end":258.245,"sentiment":"neutral","sentiment_score":0.045305393636226654},{"text":"So I've got I yeah.","start":258.245,"end":260.05002,"sentiment":"neutral","sentiment_score":-0.024212001636624337},{"text":"I've been meaning to and it's my fault because I keep putting the conversation off just because I've been busy and just haven't got my mindset across it yet.","start":260.05002,"end":270.85,"sentiment":"neutral","sentiment_score":-0.2707858309149742}],"sentiment":"neutral","sentiment_score":-0.2112222915464962,"num_words":37,"start":239.2,"end":270.85},{"sentences":[{"text":"But I need to I probably need your help in, especially in that kind of insurance space.","start":270.85,"end":278.885,"sentiment":"neutral","sentiment_score":-0.1608017038773088},{"text":"Now that I'm kinda working on I've obviously been working for myself for a few years now, but I need to get in a better spot in terms of I'd rather just get the best cover, whatever that is, even if that has to be on my own.","start":279.505,"end":293.9,"sentiment":"neutral","sentiment_score":-0.2452022680081427},{"text":"I know that at the at the at the start, I was kind of I wanted to in my head, just wanted to make sure we're both in the best position we could be and if that would meant us being on the same policy.","start":293.9,"end":307.22498,"sentiment":"neutral","sentiment_score":-0.05936593115329743},{"text":"In my head, I thought that might have been the best way to go about it.","start":309.925,"end":312.565,"sentiment":"neutral","sentiment_score":-0.11843937542289495},{"text":"But if it's not and it's better off or it's more beneficial for me to be on my own because there's there's additional benefit because I'm working for myself or whatever, I I just I need to cover myself as best as I can given I'm the I'm making I'm I'm kind of the financial sort of yeah.","start":312.565,"end":339.125,"sentiment":"neutral","sentiment_score":-0.05920667051947836}],"sentiment":"neutral","sentiment_score":-0.12230337841901928,"num_words":184,"start":270.85,"end":339.125},{"sentences":[{"text":"For lack of a a better word, like, if anything happens to me at the moment, then we're we're not supported as well as we we potentially could be.","start":339.185,"end":348.80002,"sentiment":"negative","sentiment_score":-0.5265470198516188},{"text":"So I'd rather kind of if there's a better policy to ensure that we're getting the maximum out of it, and it's it's all coming out of the best places like Super or whatever else, I'd rather, yeah, us look into that.","start":348.80002,"end":364.98502,"sentiment":"neutral","sentiment_score":0.20395478393350328},{"text":"I hope that's made sense because it's it probably sound like a little ramble, but, yeah, I I don't want us to be constrained by anything.","start":364.98502,"end":372.95,"sentiment":"neutral","sentiment_score":-0.11865382483945443},{"text":"I'd rather just get the best cover.","start":372.95,"end":374.39,"sentiment":"neutral","sentiment_score":-0.09079045802354813},{"text":"And if that means we need to have an alternate to the alley or us to go off, and we have to sort that out, that's so be it.","start":374.39,"end":383.77,"sentiment":"neutral","sentiment_score":-0.11565885166155881}],"sentiment":"neutral","sentiment_score":-0.10359700752380199,"num_words":133,"start":339.185,"end":383.77},{"sentences":[{"text":"Yep.","start":385.665,"end":386.165,"sentiment":"neutral","sentiment_score":0.2818101644515991},{"text":"Yep.","start":393.42502,"end":393.92502,"sentiment":"neutral","sentiment_score":0.1162850260734558},{"text":"Yep.","start":395.345,"end":395.845,"sentiment":"neutral","sentiment_score":0.22824972867965695},{"text":"Yep.","start":401.95,"end":402.45,"sentiment":"neutral","sentiment_score":0.1333615630865097},{"text":"Okay.","start":406.67,"end":407.17,"sentiment":"neutral","sentiment_score":0.10108134150505066}],"sentiment":"neutral","sentiment_score":0.17215756475925445,"num_words":5,"start":385.665,"end":407.17},{"sentences":[{"text":"Yes.","start":423.235,"end":423.735,"sentiment":"neutral","sentiment_score":-0.052899911999702454},{"text":"I'm I'm sure we could, but anything again, anything if it means you get the money quicker if we ever needed to, I'm, yeah, happy to explore it.","start":433.65,"end":442.31,"sentiment":"positive","sentiment_score":0.42969148818935665},{"text":"Yeah.","start":452.185,"end":452.685,"sentiment":"neutral","sentiment_score":-0.09040088206529616},{"text":"Okay.","start":455.305,"end":455.805,"sentiment":"neutral","sentiment_score":0.14355945587158203},{"text":"Yeah.","start":472.565,"end":472.88498,"sentiment":"neutral","sentiment_score":0.15118110179901123}],"sentiment":"positive","sentiment_score":0.3807125447783619,"num_words":32,"start":423.235,"end":472.88498},{"sentences":[{"text":"Yeah.","start":472.88498,"end":473.125,"sentiment":"neutral","sentiment_score":0.17487061023712158},{"text":"I I I've again, I've been waiting to kind of get some stability in my income to ensure that I could get some kind of ongoing super happening per month from my end, and and and you've obviously seen that in the last couple of months, I've I've kinda got that ongoing installment going in.","start":473.125,"end":490.50998,"sentiment":"neutral","sentiment_score":0.20125488923354581},{"text":"So, yeah, whatever that means, that's fine.","start":490.50998,"end":493.55,"sentiment":"neutral","sentiment_score":0.25088260216372354},{"text":"Obviously, yeah, I know anything that reduces fees and all that sort of stuff.","start":493.55,"end":499.035,"sentiment":"neutral","sentiment_score":0.1742375556911741},{"text":"Yeah.","start":499.195,"end":499.695,"sentiment":"neutral","sentiment_score":0.17333364486694336}],"sentiment":"neutral","sentiment_score":0.20016316868937933,"num_words":78,"start":472.88498,"end":499.695},{"sentences":[{"text":"Just the more money coming in, the better.","start":499.995,"end":501.595,"sentiment":"neutral","sentiment_score":0.298850916326046},{"text":"Whatever that looks like.","start":501.595,"end":502.815,"sentiment":"neutral","sentiment_score":0.1473464071750641},{"text":"Yep.","start":506.475,"end":506.975,"sentiment":"neutral","sentiment_score":0.1754689663648605},{"text":"Yeah.","start":517.11,"end":517.43,"sentiment":"neutral","sentiment_score":0.039789073169231415},{"text":"No worries.","start":517.43,"end":518.17,"sentiment":"neutral","sentiment_score":-0.00900949165225029}],"sentiment":"neutral","sentiment_score":0.19858950097113848,"num_words":16,"start":499.995,"end":518.17},{"sentences":[{"text":"Yep.","start":520.63,"end":521.13,"sentiment":"neutral","sentiment_score":0.13371145725250244},{"text":"That's okay.","start":521.19,"end":521.93,"sentiment":"neutral","sentiment_score":0.26504167914390564},{"text":"I'll have to find it.","start":545.13,"end":546.50995,"sentiment":"neutral","sentiment_score":0.009967862907797099},{"text":"Why would I do that?","start":547.29,"end":548.43,"sentiment":"neutral","sentiment_score":-0.04322758764028549},{"text":"Yes.","start":554.25,"end":554.75,"sentiment":"neutral","sentiment_score":0.01461098063737154}],"sentiment":"neutral","sentiment_score":0.03657908375108881,"num_words":14,"start":520.63,"end":554.75},{"sentences":[{"text":"Yep.","start":562.285,"end":562.785,"sentiment":"neutral","sentiment_score":0.06644045561552048},{"text":"Yeah.","start":570.25,"end":570.57,"sentiment":"neutral","sentiment_score":0.07487155497074127},{"text":"So what do you need from me?","start":570.57,"end":572.91003,"sentiment":"neutral","sentiment_score":0.043035515184913366},{"text":"Yep.","start":575.13,"end":575.63,"sentiment":"neutral","sentiment_score":0.04775708168745041},{"text":"Yeah.","start":579.85004,"end":580.25,"sentiment":"neutral","sentiment_score":0.07600166648626328}],"sentiment":"neutral","sentiment_score":0.05148357864130627,"num_words":11,"start":562.285,"end":580.25},{"sentences":[{"text":"Okay.","start":580.25,"end":580.75,"sentiment":"neutral","sentiment_score":0.08133497834205627},{"text":"Yeah.","start":584.695,"end":585.195,"sentiment":"neutral","sentiment_score":0.11827914416790009},{"text":"Oh, perfect.","start":588.135,"end":588.695,"sentiment":"positive","sentiment_score":0.5784725844860077},{"text":"No worries.","start":588.695,"end":589.435,"sentiment":"positive","sentiment_score":0.37609194219112396},{"text":"Yeah.","start":593.495,"end":593.995,"sentiment":"neutral","sentiment_score":0.1902076005935669}],"sentiment":"neutral","sentiment_score":0.3284215394939695,"num_words":7,"start":580.25,"end":593.995},{"sentences":[{"text":"I I before tax?","start":609.31,"end":611.73,"sentiment":"neutral","sentiment_score":0.0026495829224586487},{"text":"I'm speaking.","start":615.005,"end":615.665,"sentiment":"neutral","sentiment_score":-0.02638381626456976},{"text":"I think before tax, that would have been last year.","start":617.165,"end":620.785,"sentiment":"neutral","sentiment_score":-0.03589853905141353},{"text":"If I'm looking at my QuickBooks, it's telling me that I'm I that about a 150 came in.","start":622.845,"end":630.76,"sentiment":"neutral","sentiment_score":-0.06775254187070662},{"text":"So I don't know what ends up working out to once expenses and whatever's taken out of.","start":631.14,"end":637.72003,"sentiment":"neutral","sentiment_score":-0.11757780129418653}],"sentiment":"neutral","sentiment_score":-0.07097104052994765,"num_words":51,"start":609.31,"end":637.72003},{"sentences":[{"text":"And I don't know if I'm looking at the right numbers, but I'm pretty sure that's that's right.","start":637.86005,"end":643.875,"sentiment":"neutral","sentiment_score":0.01749685944782363},{"text":"Yeah.","start":655.87,"end":656.37,"sentiment":"neutral","sentiment_score":0.060508087277412415},{"text":"Yeah.","start":659.87,"end":660.19,"sentiment":"neutral","sentiment_score":0.07941626757383347},{"text":"No worries.","start":660.19,"end":660.85,"sentiment":"neutral","sentiment_score":0.21477718651294708},{"text":"Yes.","start":669.495,"end":669.995,"sentiment":"neutral","sentiment_score":0.12602752447128296}],"sentiment":"neutral","sentiment_score":0.04393259662648906,"num_words":23,"start":637.86005,"end":669.995},{"sentences":[{"text":"Let me get it up.","start":674.375,"end":675.59503,"sentiment":"neutral","sentiment_score":0.05682549104094505},{"text":"So 2, I think, 2819.","start":683.73,"end":686.37,"sentiment":"neutral","sentiment_score":0.0388149194419384},{"text":"So 282, let's say.","start":686.37,"end":688.15,"sentiment":"neutral","sentiment_score":0.03937779879197478},{"text":"Yeah.","start":691.25,"end":691.75,"sentiment":"neutral","sentiment_score":0.1610577404499054},{"text":"I assume so.","start":699.38495,"end":700.26495,"sentiment":"neutral","sentiment_score":0.0689479832847913}],"sentiment":"neutral","sentiment_score":0.05575638543814421,"num_words":18,"start":674.375,"end":700.26495},{"sentences":[{"text":"I I hope we haven't had it officially evaluated, but most of the houses around here are selling 1 mil plus.","start":700.26495,"end":706.20496,"sentiment":"neutral","sentiment_score":0.011828851398257982},{"text":"Yeah.","start":708.82495,"end":709.32495,"sentiment":"neutral","sentiment_score":-0.03546183556318283},{"text":"Okay.","start":724.02997,"end":724.52997,"sentiment":"neutral","sentiment_score":0.07042916119098663},{"text":"So that would mean in the case that I couldn't work through disability or some whatever whatever else that you get 500,000 upfront.","start":728.865,"end":740.565,"sentiment":"neutral","sentiment_score":-0.0023670909197434135},{"text":"Yep.","start":745.29004,"end":745.79004,"sentiment":"neutral","sentiment_score":0.06759122014045715}],"sentiment":"neutral","sentiment_score":0.00630896455271447,"num_words":47,"start":700.26495,"end":745.79004},{"sentences":[{"text":"That's clean.","start":751.21,"end":752.03,"sentiment":"neutral","sentiment_score":0.04959904961287975},{"text":"Okay.","start":752.81,"end":753.13,"sentiment":"neutral","sentiment_score":0.07380115240812302},{"text":"And that would be ongoing as well.","start":753.13,"end":754.91003,"sentiment":"neutral","sentiment_score":0.07564144155808858},{"text":"Yeah.","start":757.185,"end":757.265,"sentiment":"neutral","sentiment_score":0.06875736266374588},{"text":"I I guess so.","start":757.265,"end":757.905,"sentiment":"neutral","sentiment_score":0.06080977153033018}],"sentiment":"neutral","sentiment_score":0.06763238608837127,"num_words":15,"start":751.21,"end":757.905},{"sentences":[{"text":"Yeah.","start":757.905,"end":758.405,"sentiment":"neutral","sentiment_score":0.12594053149223328},{"text":"Okay.","start":766.865,"end":767.365,"sentiment":"neutral","sentiment_score":0.008540311828255653},{"text":"Yes.","start":769.47,"end":769.97,"sentiment":"neutral","sentiment_score":0.09144920110702516},{"text":"Okay.","start":778.91,"end":779.41,"sentiment":"neutral","sentiment_score":0.2238389551639557},{"text":"Yep.","start":788.395,"end":788.795,"sentiment":"neutral","sentiment_score":0.16957345604896543}],"sentiment":"neutral","sentiment_score":0.12386849112808704,"num_words":5,"start":757.905,"end":788.795},{"sentences":[{"text":"No worries.","start":788.795,"end":789.535,"sentiment":"neutral","sentiment_score":0.28697991371154785},{"text":"Yeah.","start":801.95,"end":802.35,"sentiment":"neutral","sentiment_score":-0.009813763201236725},{"text":"Probably not as much this time around, I think.","start":802.35,"end":804.93,"sentiment":"neutral","sentiment_score":-0.1864137285285526},{"text":"He's gonna add your account.","start":805.31,"end":806.61,"sentiment":"neutral","sentiment_score":-0.04352620020508766},{"text":"With con where it's we'll be at 5 by the end of the week, I think.","start":811.15,"end":814.71497,"sentiment":"neutral","sentiment_score":0.03686879691667855}],"sentiment":"neutral","sentiment_score":-0.02246387099677866,"num_words":33,"start":788.795,"end":814.71497},{"sentences":[{"text":"5 k is not not heapsing at the moment.","start":814.71497,"end":819.535,"sentiment":"neutral","sentiment_score":-0.05929345409903261},{"text":"Yep.","start":820.63495,"end":821.13495,"sentiment":"neutral","sentiment_score":0.052320849150419235},{"text":"No.","start":841.985,"end":842.385,"sentiment":"neutral","sentiment_score":-0.09504520148038864},{"text":"Just kind of yeah.","start":842.385,"end":843.985,"sentiment":"neutral","sentiment_score":-0.08735137805342674},{"text":"Potentially potentially, if there's extra space to invest, we will, but, yeah, just kind of pending funds coming in.","start":843.985,"end":853.11,"sentiment":"neutral","sentiment_score":-0.046763669503362554}],"sentiment":"neutral","sentiment_score":-0.05336119623526054,"num_words":34,"start":814.71497,"end":853.11},{"sentences":[{"text":"Yeah.","start":853.33,"end":853.65,"sentiment":"neutral","sentiment_score":0.12311936914920808},{"text":"Holidays definitely in the plans over the next couple of years, so it's it's one we'll probably try to put a bit more focus into.","start":853.65,"end":862.87,"sentiment":"neutral","sentiment_score":0.18033122658729553},{"text":"Otherwise, generally, the same stuff.","start":863.84503,"end":869.22504,"sentiment":"neutral","sentiment_score":0.2866466104984283},{"text":"Yep.","start":873.685,"end":874.185,"sentiment":"neutral","sentiment_score":0.17402753233909607},{"text":"Correct.","start":880.89996,"end":881.39996,"sentiment":"neutral","sentiment_score":0.09893080592155457}],"sentiment":"neutral","sentiment_score":0.19204822498740573,"num_words":33,"start":853.33,"end":881.39996},{"sentences":[{"text":"Yep.","start":882.82,"end":883.32,"sentiment":"neutral","sentiment_score":0.26768890023231506},{"text":"No.","start":891.3,"end":891.585,"sentiment":"neutral","sentiment_score":-0.006640557199716568},{"text":"No.","start":891.66504,"end":891.905,"sentiment":"neutral","sentiment_score":-0.05634044110774994},{"text":"I think, yeah, as long as everything's in a good spot, if we feel like we can get a bit more value out of whatever whatever, yeah, options are at our disposal, that's my kind of main mindset.","start":891.905,"end":904.81,"sentiment":"neutral","sentiment_score":0.19438843625156502},{"text":"I get what's kind of the reason why we kinda got you guys on our side is to do all the you're lever lifting for us because a lot of the the language and what to look for yeah.","start":904.81,"end":914.91,"sentiment":"neutral","sentiment_score":0.22411240942967245}],"sentiment":"neutral","sentiment_score":0.2041481555905193,"num_words":80,"start":882.82,"end":914.91},{"sentences":[{"text":"Because I've got no clue, and most of it goes over my head.","start":915.20996,"end":917.69,"sentiment":"neutral","sentiment_score":0.06477585406257556},{"text":"So as long as we're in a good spot, that's my priority.","start":917.69,"end":921.125,"sentiment":"positive","sentiment_score":0.4581954615811507},{"text":"Yeah.","start":927.185,"end":927.685,"sentiment":"neutral","sentiment_score":0.1805051267147064},{"text":"Yeah.","start":935.185,"end":935.55,"sentiment":"neutral","sentiment_score":0.11140245944261552},{"text":"Yeah.","start":938.26996,"end":938.58997,"sentiment":"neutral","sentiment_score":0.120072603225708}],"sentiment":"neutral","sentiment_score":0.24115756539894,"num_words":28,"start":915.20996,"end":938.58997},{"sentences":[{"text":"No worries.","start":938.58997,"end":939.25,"sentiment":"neutral","sentiment_score":0.20814888924360275},{"text":"Yeah.","start":950.43,"end":950.745,"sentiment":"neutral","sentiment_score":0.0922575742006302},{"text":"Yep.","start":958.265,"end":958.345,"sentiment":"neutral","sentiment_score":0.08531024307012558},{"text":"Next week?","start":958.345,"end":959.245,"sentiment":"neutral","sentiment_score":0.06770193763077259},{"text":"I'm happy to do the same as as now if that works.","start":962.025,"end":964.74,"sentiment":"positive","sentiment_score":0.4070543920000394}],"sentiment":"neutral","sentiment_score":0.31188456527888775,"num_words":18,"start":938.58997,"end":964.74},{"sentences":[{"text":"Yep.","start":968.66,"end":969.16,"sentiment":"neutral","sentiment_score":0.169074147939682},{"text":"Yep.","start":974.42,"end":974.92,"sentiment":"neutral","sentiment_score":0.0974893793463707},{"text":"Do you need us both or just just me is fine?","start":974.98,"end":977.56,"sentiment":"neutral","sentiment_score":0.06930640305985104},{"text":"Yes.","start":978.82,"end":979.32,"sentiment":"neutral","sentiment_score":0.06677541136741638},{"text":"Yes.","start":979.38,"end":979.7,"sentiment":"neutral","sentiment_score":0.059654925018548965}],"sentiment":"neutral","sentiment_score":0.07702428648869196,"num_words":15,"start":968.66,"end":979.7},{"sentences":[{"text":"That's fine.","start":979.7,"end":980.355,"sentiment":"neutral","sentiment_score":0.09768363833427429},{"text":"Yep.","start":986.435,"end":986.935,"sentiment":"neutral","sentiment_score":0.17274683713912964},{"text":"No worries.","start":989.15497,"end":989.815,"sentiment":"positive","sentiment_score":0.33900922536849976},{"text":"No worries.","start":999.3,"end":999.69995,"sentiment":"neutral","sentiment_score":0.2858726531267166},{"text":"No.","start":999.69995,"end":999.81995,"sentiment":"neutral","sentiment_score":0.18087512254714969}],"sentiment":"neutral","sentiment_score":0.22484412416815758,"num_words":8,"start":979.7,"end":999.81995},{"sentences":[{"text":"I appreciate that.","start":999.81995,"end":1000.92,"sentiment":"positive","sentiment_score":0.615383525689443},{"text":"Alright.","start":1002.98,"end":1003.22,"sentiment":"positive","sentiment_score":0.373276561498642},{"text":"Take care.","start":1003.22,"end":1003.69995,"sentiment":"positive","sentiment_score":0.46164751052856445},{"text":"Bye bye.","start":1003.69995,"end":1004.36,"sentiment":"neutral","sentiment_score":0.2157893180847168}],"sentiment":"positive","sentiment_score":0.44678759947419167,"num_words":8,"start":999.81995,"end":1004.36}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Dominic. Tommy here from. How are you doing?\n\nChannel 1: Good. And yourself?\n\nChannel 0: I'm living\n\nChannel 1: At\n\nChannel 0: the dream\n\nChannel 1: 11:00.\n\nChannel 0: so far. The sun's out. It's not too cool. How about your end?\n\nChannel 1: Good. Good. And I think it says sunny and warm down here, but can't complain, mate.\n\nChannel 0: Getting by, mate. Getting by.\n\nChannel 1: That's it. That's it. How's your day, Minar?\n\nChannel 0: Yeah. Pretty good. Pretty good. It's Monday's always great. Nice and early on top of things.\n\nChannel 1: Yeah.\n\nChannel 0: I had a few things that I wanted to run through with you today. I've got a bit of an updated strategy to send through.\n\nChannel 1: Yep.\n\nChannel 0: Quite a beautiful few things that we're doing, but couple of checks I wanted to do before I send it through to you, if that's alright.\n\nChannel 1: Perfect.\n\nChannel 0: Perfect. So I'm just gonna do a quick security check with you. I'll run through what I'm thinking, and then just let me know if there's anything else I need to cover.\n\nChannel 1: Yep.\n\nChannel 0: So can you just confirm date of birth and address for security for me, please?\n\nChannel 1: 8 Inch Of Marsh 90946 Admirals Crescent, Tyler's Lights.\n\nChannel 0: Sensational. And I'm a registered with adviser one two seven three one zero five.\n\nChannel 1: Yep.\n\nChannel 0: Mate, first part I wanted to start with was just going through contributions. We ran a report for all clients, and we've got some contributions you've been making into the old server. And I just wanna check with you if you needed any assistance in the paperwork to claim it for the tax return.\n\nChannel 1: Yeah. Super contributions?\n\nChannel 0: Yes.\n\nChannel 1: I don't know. I don't I I assume it's all is it not automated?\n\nChannel 0: No. So you've been putting in, I think, a thousand dollars a month\n\nChannel 1: Yep.\n\nChannel 0: into the super. So what happens\n\nChannel 1: Yep.\n\nChannel 0: is it goes in as a personal contribution. And\n\nChannel 1: Yep.\n\nChannel 0: for the tax return, we've got to do a notice of intent to claim form and basically\n\nChannel 1: Okay.\n\nChannel 0: saying, hey. You put in 4,500 so far that financial year. We would like to claim it on the tax return.\n\nChannel 1: Yes. Can we do that, please?\n\nChannel 0: Absolutely. You haven't done your tax return yet, have you?\n\nChannel 1: No.\n\nChannel 0: Perfect. I will get Michelle and the team onto that today for you.\n\nChannel 1: Perfect.\n\nChannel 0: Easy done. So I've just factored into the plan, the the SGC that has been coming through from some of the sources of funds.\n\nChannel 1: Yep.\n\nChannel 0: Mostly, it's a thousand dollars a month. That's great.\n\nChannel 1: Yep.\n\nChannel 0: The I've got an updated portfolio for you as well, which is mixing in a few extra things. I've found a lot cheaper investments, a lot lower fees, a lot better performance for you guys, so I'm gonna mix\n\nChannel 1: Yeah.\n\nChannel 0: that in for both.\n\nChannel 1: Yep.\n\nChannel 0: And the other thing was just when it comes to the old insurance checks. So the Ali insurance that you've\n\nChannel 1: Yep.\n\nChannel 0: got, that's technically for, like, life insurance, trauma insurance for, like, heart attack, stroke, and cancer, and it's a joint policy for both of you guys.\n\nChannel 1: Yep.\n\nChannel 0: So what I've done is I've found an insurer who will give you income protection. They were a bit iffy about the occupation because you do a lot of working from home.\n\nChannel 1: Yes.\n\nChannel 0: Normally, it's okay, but they just wanted to check that you do actually see some clients at all, whether you do leave the house to talk to somebody, go check-in with clients, and things like that. Do you know by any chance, you know, when you go do your tax return, claim a bit of travel to go see some clients or anything like that?\n\nChannel 1: Yeah. Definitely claim travel and and definitely out to see clients\n\nChannel 0: Perfect.\n\nChannel 1: on a weekly basis.\n\nChannel 0: Easy done. So found a beautiful insurer that I'll send through to you in this document as well.\n\nChannel 1: Yep.\n\nChannel 0: They are offering life, TPD, and income protection for under a thousand bucks for all three.\n\nChannel 1: Okay.\n\nChannel 0: So that one's looking really good. Just needed to check that with you.\n\nChannel 1: Yeah.\n\nChannel 0: The only thing was I was looking to try and replace the Ali insurance and get the life insurance into the super. But just because it's a joint policy and you've got that trauma benefit there, I was just lumping the life and disability\n\nChannel 1: Yes.\n\nChannel 0: on top inside the super because I didn't wanna say, hey. You go cancel your portion, and Danielle is on there as well. Just wanted to actually run that by you guys to make sure, one, still wanna keep that one in place for the trauma cover and everything, and if you're\n\nChannel 1: Yep.\n\nChannel 0: okay for me to kind of add a bit extra on through\n\nChannel 1: Yep. So I've got I yeah. I've been meaning to and it's my fault because I keep putting the conversation off just because I've been\n\nChannel 0: super.\n\nChannel 1: busy and just haven't got my mindset across it yet. But I need to I probably need your help in, especially in that kind of insurance space. Now that I'm kinda working on I've obviously been working for myself for a few years now, but I need to get in a better spot in terms of I'd rather just get the best cover, whatever that is, even if that has to be on my own. I know that at the\n\nChannel 0: Yeah.\n\nChannel 1: at the at the start, I was kind of I wanted to in my head, just wanted to make sure we're both in the best position we could be and if that would meant us being on the same policy. In my head, I thought that might have been the best way to go about it. But if it's not and it's better off or it's more beneficial for me to be on my own because there's there's additional benefit because I'm working for myself or whatever, I I just I need to cover myself as best as I can given\n\nChannel 0: Yeah.\n\nChannel 1: I'm the I'm making I'm I'm kind of the financial sort of\n\nChannel 0: The breadwinner, so to speak.\n\nChannel 1: yeah. For lack of a a better word, like, if anything happens to me at the moment, then we're we're not supported as well as we we potentially could be. So\n\nChannel 0: Yeah.\n\nChannel 1: I'd rather kind of if there's a better policy to ensure that we're getting the maximum out of it, and it's it's all coming out of the best places like Super or whatever else,\n\nChannel 0: Yep.\n\nChannel 1: I'd rather, yeah, us look into that. I hope that's made sense because it's it probably sound like a little ramble, but, yeah, I I don't want us to be constrained by anything. I'd rather just get the best cover. And if that means we need to have an alternate to the alley or us to go off, and we have to sort that out, that's so be it.\n\nChannel 0: Yep. No. It makes perfect sense\n\nChannel 1: Yep.\n\nChannel 0: to me. Based on my research so far, like, I've found really good deals when it comes to, like, the life insurance portion of it. It's\n\nChannel 1: Yep.\n\nChannel 0: really just trauma side of things. So\n\nChannel 1: Yep.\n\nChannel 0: what I'll do is I'll do up a quote for trauma insurance too to see if it is worth popping off of there. And then\n\nChannel 1: Yep.\n\nChannel 0: if not, you may wanna keep it, but I'll just get the other covers through the super.\n\nChannel 1: Okay.\n\nChannel 0: When it comes to the income protection, just bear in mind, I think we were quoting it for, like, a a ninety day waiting period, I believe, just to make sure that it's the premiums are low. And if you're out of work for a few months, it'll kick in monthly for quite a while.\n\nChannel 1: Yes.\n\nChannel 0: Because it has come to under 1,000, do you want me to look at something more like a thirty day waiting period, or do you still have the the financial backing to to last a couple of months?\n\nChannel 1: I'm I'm sure we could, but anything again, anything if it means you get the money quicker if we ever needed to, I'm, yeah, happy to explore it.\n\nChannel 0: Yep. Easy done. And the my hesitancy initially was because of the you don't have contributions coming in from all the different sources of income. I\n\nChannel 1: Yeah.\n\nChannel 0: didn't want too much premiums dragging the super backwards. But\n\nChannel 1: Okay.\n\nChannel 0: if you can maintain that contributions that you're doing now, that changes the the conversation completely, and I can base it off of an affordability metric to say as long as premiums are below, say, 30% of your contributions, we'll consider that as affordable in the projections.\n\nChannel 1: Yeah. Yeah. I I I've again, I've been waiting to kind of get some stability in my income to ensure that I could get some kind of ongoing super happening per month from my end, and and and\n\nChannel 0: Mhmm.\n\nChannel 1: you've obviously seen that in the last couple of months, I've I've kinda got that ongoing installment going in. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, whatever that means, that's fine. Obviously, yeah, I know anything that reduces fees and all that sort of stuff. Yeah.\n\nChannel 0: Mhmm.\n\nChannel 1: Just the more money coming in, the better. Whatever that looks like.\n\nChannel 0: Yep. Absolutely. So I'll keep an eye on that, and I'll put that together.\n\nChannel 1: Yep.\n\nChannel 0: And like I said, I'll get the team to do the forms for the claiming of the contributions. Just make sure that you get the confirmation letter before you submit your tax return.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Otherwise, they they lock you out. That's all.\n\nChannel 1: Yep. That's okay.\n\nChannel 0: Cool. So I'll sort that out. The only other thing when it comes to the Ali insurance is they've been sending through statements to us, but redacting each other's details. So we got one for Daniella, but it's got all of your details redacted. And I'm just wondering if you guys possibly have a statement floating around that you could flick through that's a bit more up to date.\n\nThat might be helpful.\n\nChannel 1: I'll have to find it.\n\nChannel 0: Cool.\n\nChannel 1: Why would\n\nChannel 0: What\n\nChannel 1: I\n\nChannel 0: what\n\nChannel 1: do that?\n\nChannel 0: we'll do, if we do an authority on, like, Danielle of her details, they redact\n\nChannel 1: Yes.\n\nChannel 0: yours. So it's not like a joint authority. So we're gonna do, like, a separate one for you, one for her, and they just keep blacking out half the info.\n\nChannel 1: Yep.\n\nChannel 0: If you've got one, that's the quickest. If not, we'll do an authority for yours, and it's just to get the updated premiums, really.\n\nChannel 1: Yeah. So what do you need from me?\n\nChannel 0: Just a statement or a certificate\n\nChannel 1: Yep.\n\nChannel 0: of currency or an anniversary notice, whatever they've emailed through.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: I'll get that notice of intent to claim form done\n\nChannel 1: Yeah.\n\nChannel 0: and then send you through the details. You can just reply to that.\n\nChannel 1: Oh, perfect. No worries.\n\nChannel 0: That way, it's all all in one spot for you.\n\nChannel 1: Yeah.\n\nChannel 0: Outside of that, quick double check on details, make sure it hasn't changed too much. So we're obviously doing the same kind of work, which is great. Do you know how you finished up for the financial year income wise overall?\n\nChannel 1: I I before tax?\n\nChannel 0: Yeah. Just a gross amount. I think we was thinking somewhere between\n\nChannel 1: I'm speaking.\n\nChannel 0: $70.80.\n\nChannel 1: I think before tax, that would have been last year. If I'm looking at my QuickBooks, it's telling me that I'm I that about a 150 came in. So\n\nChannel 0: Yeah.\n\nChannel 1: I don't know what ends up working out to once expenses and whatever's taken out of. And\n\nChannel 0: Yeah.\n\nChannel 1: I don't know if I'm looking at the right numbers, but I'm pretty sure that's that's right.\n\nChannel 0: No. That's fine. I can go off that as a revenue because, obviously, the you know, getting SGC from all of those sources of income, so I'll just base it on what's coming into the account plus the thousand a month. And\n\nChannel 1: Yeah.\n\nChannel 0: I'll just put that as an income estimate gross for the time being.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Fantastic. Outside of that, the mortgage, has it dropped down below 300?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. How far down do you reckon? What's a bit of an estimate?\n\nChannel 1: Let me get it up.\n\nChannel 0: And while you're doing that, I'm just gonna do a quick valuation update.\n\nChannel 1: So 2, I think, 2819. So 282, let's say.\n\nChannel 0: 282. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And home value, I'm I'm assuming you've benefited from the last twelve months crested above a mil now.\n\nChannel 1: I assume so. I I hope we haven't had it officially evaluated, but most of the houses around here are selling 1 mil plus.\n\nChannel 0: Yep. Yep. I'll put 1,000,000 for now. It's not gonna\n\nChannel 1: Yeah.\n\nChannel 0: make too much of a difference. And just for, like, the the life and disability cover, so there's $470,000 through Ali. I was just gonna do a flat 500,000 of both because you get some volume discounts once you click 500. Is\n\nChannel 1: Okay.\n\nChannel 0: that okay for life and total disability lump sum?\n\nChannel 1: So that would mean in the case that I couldn't work through disability or some whatever whatever else that you get 500,000 upfront.\n\nChannel 0: Yeah. So if you pass away or can never work again, there's 0.5 a mil. Pay\n\nChannel 1: Yep.\n\nChannel 0: off the mortgage, couple of $100 left over, and then you've got your income protection kicking in for that monthly\n\nChannel 1: That's\n\nChannel 0: replacement.\n\nChannel 1: clean. Okay. And that would be ongoing as well.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I I guess so. Yeah.\n\nChannel 0: Cool. We can always adjust it, but I'll apply for that for now because anything below that, it's almost more expensive than just going for the round figure.\n\nChannel 1: Okay.\n\nChannel 0: And anytime you\n\nChannel 1: Yes.\n\nChannel 0: decrease, easy done. It's just literally a quote or a letter. But if you increase cover, you gotta go through, like, underwriting medical questions, all that kind of thing.\n\nChannel 1: Okay.\n\nChannel 0: So rather just give you a bit of a buffer, do it once, should let you be pretty comfortable for a while. And then if we adjust it, it won't be for a few years' time.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Perfect. Outside of that, I just had a bit of shares, bit of offset. I think you guys had about $20 in offset last time I spoke to you.\n\nChannel 1: Yeah. Probably not as much this time around, I think. He's\n\nChannel 0: No.\n\nChannel 1: gonna add\n\nChannel 0: That's\n\nChannel 1: your account.\n\nChannel 0: fair. Yes.\n\nChannel 1: With con where it's we'll be at 5 by the end of the week, I think. 5 k is not not heapsing at the moment.\n\nChannel 0: Yep. No. That's\n\nChannel 1: Yep.\n\nChannel 0: fair enough. Just just some update on the assets and liabilities there. And just quickly, so we've got focusing on the business, the mortgage, boost up the super, sort out the insurances, little bit holidays. Anything else you guys are focusing on the next couple of years I need to factor in as a goal or consideration?\n\nChannel 1: No. Just kind of yeah. Potentially potentially, if there's extra space to invest, we will, but, yeah, just kind of pending funds coming in. Yeah. Holidays definitely in the plans over the next couple of years, so it's it's one we'll probably try to put a bit more focus into.\n\nChannel 0: Yep.\n\nChannel 1: Otherwise, generally, the same\n\nChannel 0: Cool. And then one of the things that we're gonna come back to as a fourth\n\nChannel 1: stuff.\n\nChannel 0: priority is basically focus on the mortgage, the holidays, the savings first, and the\n\nChannel 1: Yep.\n\nChannel 0: business. And then after all that's done, we can come back to personal investing, whether it be for you guys or the children,\n\nChannel 1: Correct.\n\nChannel 0: but a bit further down the track.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Alrighty. Any questions for me\n\nChannel 1: No. No. I think, yeah,\n\nChannel 0: so\n\nChannel 1: as long as everything's in a good spot, if we feel like we can get a bit more\n\nChannel 0: far?\n\nChannel 1: value out of whatever whatever, yeah, options are at our disposal, that's my\n\nChannel 0: Mhmm.\n\nChannel 1: kind of main mindset. I get what's kind of the reason why we kinda got you guys on our side is to do all the you're lever lifting for us because a lot of the the language and what to look for yeah. Because I've got no clue, and most of it goes over my head. So as long as we're in a good spot, that's my priority.\n\nChannel 0: Easy done. And I've got all the joint retirement goals that we figured out together in there as well.\n\nChannel 1: Yeah.\n\nChannel 0: When I get this document finished off, dot the i's cross the t's, I'll add some extra projections in there just so you can see where things are tracking, and then\n\nChannel 1: Yeah.\n\nChannel 0: we can kind of review it down the line as well.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Cool. Just in terms of timing, I'll have that done for you this week, and I do have a bit of time free next week just to run through that document with you, and then I'll do\n\nChannel 1: Yeah.\n\nChannel 0: Daniella separately. Can I book in to run through that? I'll email it to you prior, but is there a good day and time?\n\nChannel 1: Yep. Next week?\n\nChannel 0: Yeah.\n\nChannel 1: I'm happy to do the same as as now if that works.\n\nChannel 0: Monday, Avo next week. Perfect. Monday,\n\nChannel 1: Yep.\n\nChannel 0: Avo, we'll do 12:00 next week on the August 3. Just\n\nChannel 1: Yep.\n\nChannel 0: you\n\nChannel 1: Do\n\nChannel 0: is\n\nChannel 1: you need us\n\nChannel 0: fine\n\nChannel 1: both or\n\nChannel 0: for\n\nChannel 1: just just\n\nChannel 0: this\n\nChannel 1: me is\n\nChannel 0: one.\n\nChannel 1: fine?\n\nChannel 0: I'm just finishing off\n\nChannel 1: Yes.\n\nChannel 0: a\n\nChannel 1: Yes.\n\nChannel 0: few\n\nChannel 1: That's fine.\n\nChannel 0: things for Daniella, but I'll do I'll get this out of the way now just so we can get yours up to speed, and then\n\nChannel 1: Yep.\n\nChannel 0: I'll touch base with her afterwards.\n\nChannel 1: No worries.\n\nChannel 0: Awesome, mate. Thank you so much for your time today. I will jump straight into it, and then we'll run through any questions you've got next week on Monday.\n\nChannel 1: No worries. No. I appreciate that.\n\nChannel 0: Awesome. Have a great day, Dom. Cheers.\n\nChannel 1: Alright. Take care. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.032263271510601044}],"sentiment":"neutral","sentiment_score":0.032263271510601044,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good afternoon, Dominic.","start":2.1599998,"end":3.28,"sentiment":"neutral","sentiment_score":0.29007525245348614},{"text":"Tommy here from.","start":3.28,"end":4.26,"sentiment":"neutral","sentiment_score":0.27071906129519147},{"text":"How are you doing?","start":4.3199997,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.24139609560370445}],"sentiment":"neutral","sentiment_score":0.26479673236608503,"channel":0,"num_words":10,"start":2.1599998,"end":5.2999997},{"sentences":[{"text":"Good.","start":5.44,"end":5.68,"sentiment":"neutral","sentiment_score":0.33081066608428955},{"text":"And yourself?","start":5.68,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.21898598968982697}],"sentiment":"neutral","sentiment_score":0.2562608818213145,"channel":1,"num_words":3,"start":5.44,"end":6.2599998},{"sentences":[{"text":"I'm living","start":6.48,"end":7.12,"sentiment":"neutral","sentiment_score":0.24500860273838043}],"sentiment":"neutral","sentiment_score":0.24500860273838043,"channel":0,"num_words":2,"start":6.48,"end":7.12},{"sentences":[{"text":"At","start":7.12,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.16606348752975464}],"sentiment":"neutral","sentiment_score":0.16606348752975464,"channel":1,"num_words":1,"start":7.12,"end":7.2799997},{"sentences":[{"text":"the dream","start":7.12,"end":7.52,"sentiment":"neutral","sentiment_score":0.1977223977446556}],"sentiment":"neutral","sentiment_score":0.1977223977446556,"channel":0,"num_words":2,"start":7.12,"end":7.52},{"sentences":[{"text":"11:00.","start":7.2799997,"end":8.18,"sentiment":"neutral","sentiment_score":0.13714241981506348}],"sentiment":"neutral","sentiment_score":0.13714241981506348,"channel":1,"num_words":1,"start":7.2799997,"end":8.18},{"sentences":[{"text":"so far.","start":7.52,"end":8.0,"sentiment":"neutral","sentiment_score":0.09465346857905388},{"text":"The sun's out.","start":8.0,"end":8.8,"sentiment":"neutral","sentiment_score":0.0649040291706721},{"text":"It's not too cool.","start":8.8,"end":9.94,"sentiment":"neutral","sentiment_score":-0.12682388350367546},{"text":"How about your end?","start":10.24,"end":11.38,"sentiment":"neutral","sentiment_score":0.04734102264046669}],"sentiment":"neutral","sentiment_score":0.005083660093637614,"channel":0,"num_words":13,"start":7.52,"end":11.38},{"sentences":[{"text":"Good.","start":13.44,"end":13.84,"sentiment":"positive","sentiment_score":0.4000999927520752},{"text":"Good.","start":13.84,"end":14.08,"sentiment":"positive","sentiment_score":0.41642674803733826},{"text":"And I think it says sunny and warm down here, but can't complain, mate.","start":14.08,"end":20.154999,"sentiment":"neutral","sentiment_score":0.31605479759829386}],"sentiment":"neutral","sentiment_score":0.32758086919784546,"channel":1,"num_words":16,"start":13.44,"end":20.154999},{"sentences":[{"text":"Getting by, mate.","start":20.255001,"end":21.135,"sentiment":"neutral","sentiment_score":0.22587664922078451},{"text":"Getting by.","start":21.135,"end":21.955,"sentiment":"neutral","sentiment_score":0.15402135252952576}],"sentiment":"neutral","sentiment_score":0.197134530544281,"channel":0,"num_words":5,"start":20.255001,"end":21.955},{"sentences":[{"text":"That's it.","start":23.015,"end":23.654999,"sentiment":"neutral","sentiment_score":0.15538522601127625},{"text":"That's it.","start":23.654999,"end":24.134998,"sentiment":"neutral","sentiment_score":0.15413116663694382},{"text":"How's your day, Minar?","start":24.134998,"end":25.275,"sentiment":"neutral","sentiment_score":0.23127494007349014}],"sentiment":"neutral","sentiment_score":0.1930165681988001,"channel":1,"num_words":8,"start":23.015,"end":25.275},{"sentences":[{"text":"Yeah.","start":25.59,"end":25.91,"sentiment":"neutral","sentiment_score":0.3139600157737732},{"text":"Pretty good.","start":25.91,"end":26.31,"sentiment":"positive","sentiment_score":0.5860751569271088},{"text":"Pretty good.","start":26.31,"end":26.97,"sentiment":"positive","sentiment_score":0.6203363239765167},{"text":"It's Monday's always great.","start":27.269999,"end":28.55,"sentiment":"positive","sentiment_score":0.7010770291090012},{"text":"Nice and early on top of things.","start":28.55,"end":30.49,"sentiment":"positive","sentiment_score":0.6754272324698312}],"sentiment":"positive","sentiment_score":0.6411926075816154,"channel":0,"num_words":16,"start":25.59,"end":30.49},{"sentences":[{"text":"Yeah.","start":31.029999,"end":31.529999,"sentiment":"neutral","sentiment_score":0.2045217752456665}],"sentiment":"neutral","sentiment_score":0.2045217752456665,"channel":1,"num_words":1,"start":31.029999,"end":31.529999},{"sentences":[{"text":"I had a few things that I wanted to run through with you today.","start":31.109999,"end":34.47,"sentiment":"neutral","sentiment_score":0.08769492618739605},{"text":"I've got a bit of an updated strategy to send through.","start":34.47,"end":37.545,"sentiment":"neutral","sentiment_score":0.08897087655284187}],"sentiment":"neutral","sentiment_score":0.08825634434819221,"channel":0,"num_words":25,"start":31.109999,"end":37.545},{"sentences":[{"text":"Yep.","start":37.91,"end":38.41,"sentiment":"neutral","sentiment_score":0.11371322721242905}],"sentiment":"neutral","sentiment_score":0.11371322721242905,"channel":1,"num_words":1,"start":37.91,"end":38.41},{"sentences":[{"text":"Quite a beautiful few things that we're doing, but couple of checks I wanted to do before I send it through to you, if that's alright.","start":38.824997,"end":44.605,"sentiment":"neutral","sentiment_score":0.16548945324925277}],"sentiment":"neutral","sentiment_score":0.16548945324925277,"channel":0,"num_words":26,"start":38.824997,"end":44.605},{"sentences":[{"text":"Perfect.","start":44.79,"end":45.29,"sentiment":"positive","sentiment_score":0.4172782003879547}],"sentiment":"positive","sentiment_score":0.4172782003879547,"channel":1,"num_words":1,"start":44.79,"end":45.29},{"sentences":[{"text":"Perfect.","start":45.945,"end":46.425,"sentiment":"positive","sentiment_score":0.3742744326591492},{"text":"So I'm just gonna do a quick security check with you.","start":46.425,"end":48.824997,"sentiment":"neutral","sentiment_score":0.15061385387724097},{"text":"I'll run through what I'm thinking, and then just let me know if there's anything else I need to cover.","start":48.824997,"end":52.68,"sentiment":"neutral","sentiment_score":0.12504868172109126}],"sentiment":"neutral","sentiment_score":0.14162501436658204,"channel":0,"num_words":32,"start":45.945,"end":52.68},{"sentences":[{"text":"Yep.","start":53.105,"end":53.605,"sentiment":"neutral","sentiment_score":0.0436767153441906}],"sentiment":"neutral","sentiment_score":0.0436767153441906,"channel":1,"num_words":1,"start":53.105,"end":53.605},{"sentences":[{"text":"So can you just confirm date of birth and address for security for me, please?","start":53.56,"end":57.260002,"sentiment":"neutral","sentiment_score":0.03788228929042816}],"sentiment":"neutral","sentiment_score":0.03788228929042816,"channel":0,"num_words":15,"start":53.56,"end":57.260002},{"sentences":[{"text":"8 Inch Of Marsh 90946 Admirals Crescent, Tyler's Lights.","start":57.86,"end":62.12,"sentiment":"neutral","sentiment_score":0.019855980657868914}],"sentiment":"neutral","sentiment_score":0.019855980657868914,"channel":1,"num_words":9,"start":57.86,"end":62.12},{"sentences":[{"text":"Sensational.","start":62.760002,"end":63.260002,"sentiment":"neutral","sentiment_score":0.04470454528927803},{"text":"And I'm a registered with adviser one two seven three one zero five.","start":63.56,"end":67.395,"sentiment":"neutral","sentiment_score":0.020096545179302875}],"sentiment":"neutral","sentiment_score":0.02185425947287253,"channel":0,"num_words":14,"start":62.760002,"end":67.395},{"sentences":[{"text":"Yep.","start":67.7,"end":68.2,"sentiment":"neutral","sentiment_score":0.03809372708201408}],"sentiment":"neutral","sentiment_score":0.03809372708201408,"channel":1,"num_words":1,"start":67.7,"end":68.2},{"sentences":[{"text":"Mate, first part I wanted to start with was just going through contributions.","start":68.274994,"end":72.454994,"sentiment":"neutral","sentiment_score":0.02162807506437485},{"text":"We ran a report for all clients, and we've got some contributions you've been making into the old server.","start":72.59499,"end":77.814995,"sentiment":"neutral","sentiment_score":0.004951708680508952},{"text":"And I just wanna check with you if you needed any assistance in the paperwork to claim it for the tax return.","start":78.195,"end":85.08,"sentiment":"neutral","sentiment_score":0.016570800661363384}],"sentiment":"neutral","sentiment_score":0.013700093616972919,"channel":0,"num_words":54,"start":68.274994,"end":85.08},{"sentences":[{"text":"Yeah.","start":86.115,"end":86.615,"sentiment":"neutral","sentiment_score":-0.003003186546266079},{"text":"Super contributions?","start":86.994995,"end":87.895,"sentiment":"neutral","sentiment_score":-0.012506264727562666}],"sentiment":"neutral","sentiment_score":-0.009338572000463804,"channel":1,"num_words":3,"start":86.115,"end":87.895},{"sentences":[{"text":"Yes.","start":88.82,"end":89.32,"sentiment":"neutral","sentiment_score":-0.04002651572227478}],"sentiment":"neutral","sentiment_score":-0.04002651572227478,"channel":0,"num_words":1,"start":88.82,"end":89.32},{"sentences":[{"text":"I don't know.","start":92.15,"end":92.990005,"sentiment":"neutral","sentiment_score":-0.10178594539562862},{"text":"I don't I I assume it's all is it not automated?","start":92.990005,"end":98.33,"sentiment":"neutral","sentiment_score":-0.11341272836381738}],"sentiment":"neutral","sentiment_score":-0.11092127487063408,"channel":1,"num_words":14,"start":92.15,"end":98.33},{"sentences":[{"text":"No.","start":99.075005,"end":99.475,"sentiment":"neutral","sentiment_score":-0.1596347689628601},{"text":"So you've been putting in, I think, a thousand dollars a month","start":99.475,"end":102.455,"sentiment":"neutral","sentiment_score":-0.10434042600293954}],"sentiment":"neutral","sentiment_score":-0.1085938369998565,"channel":0,"num_words":13,"start":99.075005,"end":102.455},{"sentences":[{"text":"Yep.","start":102.79,"end":103.29,"sentiment":"neutral","sentiment_score":-0.06737877428531647}],"sentiment":"neutral","sentiment_score":-0.06737877428531647,"channel":1,"num_words":1,"start":102.79,"end":103.29},{"sentences":[{"text":"into the super.","start":102.835,"end":104.215004,"sentiment":"neutral","sentiment_score":-0.06430425743261974},{"text":"So what happens","start":104.28,"end":104.92,"sentiment":"neutral","sentiment_score":-0.05746969456473986}],"sentiment":"neutral","sentiment_score":-0.060886975998679795,"channel":0,"num_words":6,"start":102.835,"end":104.92},{"sentences":[{"text":"Yep.","start":104.685005,"end":105.185005,"sentiment":"neutral","sentiment_score":-0.023310869932174683}],"sentiment":"neutral","sentiment_score":-0.023310869932174683,"channel":1,"num_words":1,"start":104.685005,"end":105.185005},{"sentences":[{"text":"is it goes in as a personal contribution.","start":104.92,"end":107.26,"sentiment":"neutral","sentiment_score":-0.02954176440834999},{"text":"And","start":107.88,"end":108.28,"sentiment":"neutral","sentiment_score":-0.028657466173171997}],"sentiment":"neutral","sentiment_score":-0.02944350904888577,"channel":0,"num_words":9,"start":104.92,"end":108.28},{"sentences":[{"text":"Yep.","start":107.885,"end":108.385,"sentiment":"neutral","sentiment_score":-0.031559865921735764}],"sentiment":"neutral","sentiment_score":-0.031559865921735764,"channel":1,"num_words":1,"start":107.885,"end":108.385},{"sentences":[{"text":"for the tax return, we've got to do a notice of intent to claim form and basically","start":108.28,"end":113.0,"sentiment":"neutral","sentiment_score":0.02337229547693449}],"sentiment":"neutral","sentiment_score":0.02337229547693449,"channel":0,"num_words":17,"start":108.28,"end":113.0},{"sentences":[{"text":"Okay.","start":112.765,"end":113.265,"sentiment":"neutral","sentiment_score":0.028196733444929123}],"sentiment":"neutral","sentiment_score":0.028196733444929123,"channel":1,"num_words":1,"start":112.765,"end":113.265},{"sentences":[{"text":"saying, hey.","start":113.0,"end":113.64,"sentiment":"neutral","sentiment_score":0.045951543375849724},{"text":"You put in 4,500 so far that financial year.","start":113.64,"end":116.2,"sentiment":"neutral","sentiment_score":0.0487705593307813},{"text":"We would like to claim it on the tax return.","start":116.2,"end":118.205,"sentiment":"neutral","sentiment_score":0.1295976869761944}],"sentiment":"neutral","sentiment_score":0.08699119002336547,"channel":0,"num_words":21,"start":113.0,"end":118.205},{"sentences":[{"text":"Yes.","start":119.34,"end":119.659996,"sentiment":"neutral","sentiment_score":0.13029667735099792},{"text":"Can we do that, please?","start":119.659996,"end":120.88,"sentiment":"neutral","sentiment_score":0.12111817002296447}],"sentiment":"neutral","sentiment_score":0.12264792124430339,"channel":1,"num_words":6,"start":119.34,"end":120.88},{"sentences":[{"text":"Absolutely.","start":121.225,"end":121.705,"sentiment":"neutral","sentiment_score":0.28035420179367065},{"text":"You haven't done your tax return yet, have you?","start":121.705,"end":123.565,"sentiment":"neutral","sentiment_score":0.03478417235116164}],"sentiment":"neutral","sentiment_score":0.05934117529541254,"channel":0,"num_words":10,"start":121.225,"end":123.565},{"sentences":[{"text":"No.","start":123.58,"end":124.08,"sentiment":"neutral","sentiment_score":0.007462635636329651}],"sentiment":"neutral","sentiment_score":0.007462635636329651,"channel":1,"num_words":1,"start":123.58,"end":124.08},{"sentences":[{"text":"Perfect.","start":124.745,"end":125.225,"sentiment":"positive","sentiment_score":0.5180811882019043},{"text":"I will get Michelle and the team onto that today for you.","start":125.225,"end":128.285,"sentiment":"positive","sentiment_score":0.4541989987095197}],"sentiment":"positive","sentiment_score":0.45911301328585696,"channel":0,"num_words":13,"start":124.745,"end":128.285},{"sentences":[{"text":"Perfect.","start":128.3,"end":128.8,"sentiment":"positive","sentiment_score":0.6997278928756714}],"sentiment":"positive","sentiment_score":0.6997278928756714,"channel":1,"num_words":1,"start":128.3,"end":128.8},{"sentences":[{"text":"Easy done.","start":129.385,"end":130.05,"sentiment":"positive","sentiment_score":0.679449737071991},{"text":"So I've just factored into the plan, the the SGC that has been coming through from some of the sources of funds.","start":130.53,"end":136.15001,"sentiment":"neutral","sentiment_score":0.12560044804757292}],"sentiment":"neutral","sentiment_score":0.1717545554662744,"channel":0,"num_words":24,"start":129.385,"end":136.15001},{"sentences":[{"text":"Yep.","start":136.565,"end":137.065,"sentiment":"neutral","sentiment_score":0.08769973367452621}],"sentiment":"neutral","sentiment_score":0.08769973367452621,"channel":1,"num_words":1,"start":136.565,"end":137.065},{"sentences":[{"text":"Mostly, it's a thousand dollars a month.","start":136.61,"end":138.13,"sentiment":"neutral","sentiment_score":0.11532013224703926},{"text":"That's great.","start":138.13,"end":138.87,"sentiment":"positive","sentiment_score":0.7688245177268982}],"sentiment":"neutral","sentiment_score":0.2605433290203412,"channel":0,"num_words":9,"start":136.61,"end":138.87},{"sentences":[{"text":"Yep.","start":139.045,"end":139.545,"sentiment":"positive","sentiment_score":0.3572472035884857}],"sentiment":"positive","sentiment_score":0.3572472035884857,"channel":1,"num_words":1,"start":139.045,"end":139.545},{"sentences":[{"text":"The I've got an updated portfolio for you as well, which is mixing in a few extra things.","start":139.57,"end":144.71,"sentiment":"positive","sentiment_score":0.5057658089531792},{"text":"I've found a lot cheaper investments, a lot lower fees, a lot better performance for you guys, so I'm gonna mix","start":145.295,"end":150.655,"sentiment":"positive","sentiment_score":0.5368440988517943}],"sentiment":"positive","sentiment_score":0.5225002727447412,"channel":0,"num_words":39,"start":139.57,"end":150.655},{"sentences":[{"text":"Yeah.","start":150.51001,"end":151.01001,"sentiment":"neutral","sentiment_score":0.26302647590637207}],"sentiment":"neutral","sentiment_score":0.26302647590637207,"channel":1,"num_words":1,"start":150.51001,"end":151.01001},{"sentences":[{"text":"that in for both.","start":150.655,"end":151.795,"sentiment":"positive","sentiment_score":0.3416118174791336}],"sentiment":"positive","sentiment_score":0.3416118174791336,"channel":0,"num_words":4,"start":150.655,"end":151.795},{"sentences":[{"text":"Yep.","start":152.03,"end":152.53,"sentiment":"neutral","sentiment_score":0.13195562362670898}],"sentiment":"neutral","sentiment_score":0.13195562362670898,"channel":1,"num_words":1,"start":152.03,"end":152.53},{"sentences":[{"text":"And the other thing was just when it comes to the old insurance checks.","start":152.255,"end":156.99,"sentiment":"neutral","sentiment_score":0.033674797375819514},{"text":"So the Ali insurance that you've","start":157.87001,"end":160.93001,"sentiment":"neutral","sentiment_score":0.043640571335951485}],"sentiment":"neutral","sentiment_score":0.036664529563859106,"channel":0,"num_words":20,"start":152.255,"end":160.93001},{"sentences":[{"text":"Yep.","start":161.39,"end":161.89,"sentiment":"neutral","sentiment_score":0.04452540725469589}],"sentiment":"neutral","sentiment_score":0.04452540725469589,"channel":1,"num_words":1,"start":161.39,"end":161.89},{"sentences":[{"text":"got, that's technically for, like, life insurance, trauma insurance for, like, heart attack, stroke, and cancer, and it's a joint policy for both of you guys.","start":161.71,"end":169.57,"sentiment":"neutral","sentiment_score":0.09095655790028664}],"sentiment":"neutral","sentiment_score":0.09095655790028664,"channel":0,"num_words":26,"start":161.71,"end":169.57},{"sentences":[{"text":"Yep.","start":170.005,"end":170.505,"sentiment":"neutral","sentiment_score":0.0667361244559288}],"sentiment":"neutral","sentiment_score":0.0667361244559288,"channel":1,"num_words":1,"start":170.005,"end":170.505},{"sentences":[{"text":"So what I've done is I've found an insurer who will give you income protection.","start":171.10501,"end":175.52501,"sentiment":"neutral","sentiment_score":0.07091915433605513},{"text":"They were a bit iffy about the occupation because you do a lot of working from home.","start":176.865,"end":182.32501,"sentiment":"neutral","sentiment_score":-0.0742838801268269}],"sentiment":"neutral","sentiment_score":-0.006219957722350955,"channel":0,"num_words":32,"start":171.10501,"end":182.32501},{"sentences":[{"text":"Yes.","start":182.68001,"end":183.18001,"sentiment":"neutral","sentiment_score":0.03260022774338722}],"sentiment":"neutral","sentiment_score":0.03260022774338722,"channel":1,"num_words":1,"start":182.68001,"end":183.18001},{"sentences":[{"text":"Normally, it's okay, but they just wanted to check that you do actually see some clients at all, whether you do leave the house to talk to somebody, go check-in with clients, and things like that.","start":184.05,"end":195.35,"sentiment":"neutral","sentiment_score":0.044104421304331884},{"text":"Do you know by any chance, you know, when you go do your tax return, claim a bit of travel to go see some clients or anything like that?","start":195.49,"end":202.055,"sentiment":"neutral","sentiment_score":0.041902303824137}],"sentiment":"neutral","sentiment_score":0.04312193812086032,"channel":0,"num_words":65,"start":184.05,"end":202.055},{"sentences":[{"text":"Yeah.","start":202.55,"end":202.87,"sentiment":"neutral","sentiment_score":0.11255791038274764},{"text":"Definitely claim travel and and definitely out to see clients","start":202.87,"end":206.25,"sentiment":"neutral","sentiment_score":0.2275650069117546}],"sentiment":"neutral","sentiment_score":0.21710981631820853,"channel":1,"num_words":11,"start":202.55,"end":206.25},{"sentences":[{"text":"Perfect.","start":207.555,"end":208.055,"sentiment":"positive","sentiment_score":0.39644524455070496}],"sentiment":"positive","sentiment_score":0.39644524455070496,"channel":0,"num_words":1,"start":207.555,"end":208.055},{"sentences":[{"text":"on a weekly basis.","start":207.67,"end":208.89,"sentiment":"neutral","sentiment_score":0.2384554259479046}],"sentiment":"neutral","sentiment_score":0.2384554259479046,"channel":1,"num_words":4,"start":207.67,"end":208.89},{"sentences":[{"text":"Easy done.","start":209.635,"end":210.275,"sentiment":"positive","sentiment_score":0.5748239159584045},{"text":"So found a beautiful insurer that I'll send through to you in this document as well.","start":210.275,"end":214.63,"sentiment":"positive","sentiment_score":0.4387110397219658}],"sentiment":"positive","sentiment_score":0.45383469263712567,"channel":0,"num_words":18,"start":209.635,"end":214.63},{"sentences":[{"text":"Yep.","start":214.87,"end":215.37,"sentiment":"neutral","sentiment_score":0.04887324199080467}],"sentiment":"neutral","sentiment_score":0.04887324199080467,"channel":1,"num_words":1,"start":214.87,"end":215.37},{"sentences":[{"text":"They are offering life, TPD, and income protection for under a thousand bucks for all three.","start":215.25,"end":221.59,"sentiment":"neutral","sentiment_score":0.26896158047020435}],"sentiment":"neutral","sentiment_score":0.26896158047020435,"channel":0,"num_words":16,"start":215.25,"end":221.59},{"sentences":[{"text":"Okay.","start":222.015,"end":222.515,"sentiment":"positive","sentiment_score":0.49036499857902527}],"sentiment":"positive","sentiment_score":0.49036499857902527,"channel":1,"num_words":1,"start":222.015,"end":222.515},{"sentences":[{"text":"So that one's looking really good.","start":222.93001,"end":224.29001,"sentiment":"positive","sentiment_score":0.7687818706035614},{"text":"Just needed to check that with you.","start":224.29001,"end":225.795,"sentiment":"neutral","sentiment_score":0.27639773913792204}],"sentiment":"positive","sentiment_score":0.5036519536605248,"channel":0,"num_words":13,"start":222.93001,"end":225.795},{"sentences":[{"text":"Yeah.","start":226.175,"end":226.675,"sentiment":"neutral","sentiment_score":0.05750640481710434}],"sentiment":"neutral","sentiment_score":0.05750640481710434,"channel":1,"num_words":1,"start":226.175,"end":226.675},{"sentences":[{"text":"The only thing was I was looking to try and replace the Ali insurance and get the life insurance into the super.","start":226.915,"end":232.755,"sentiment":"neutral","sentiment_score":-0.01341893117536198},{"text":"But just because it's a joint policy and you've got that trauma benefit there, I was just lumping the life and disability","start":232.755,"end":239.415,"sentiment":"neutral","sentiment_score":0.0484879259866747}],"sentiment":"neutral","sentiment_score":0.01753449740565636,"channel":0,"num_words":44,"start":226.915,"end":239.415},{"sentences":[{"text":"Yes.","start":239.2,"end":239.7,"sentiment":"neutral","sentiment_score":0.06117933243513107}],"sentiment":"neutral","sentiment_score":0.06117933243513107,"channel":1,"num_words":1,"start":239.2,"end":239.7},{"sentences":[{"text":"on top inside the super because I didn't wanna say, hey.","start":239.47499,"end":242.92,"sentiment":"neutral","sentiment_score":0.04542218068275939},{"text":"You go cancel your portion, and Danielle is on there as well.","start":242.98,"end":246.36,"sentiment":"neutral","sentiment_score":-0.006904222071170807},{"text":"Just wanted to actually run that by you guys to make sure, one, still wanna keep that one in place for the trauma cover and everything, and if you're","start":246.5,"end":254.5,"sentiment":"neutral","sentiment_score":0.1039258337997157}],"sentiment":"neutral","sentiment_score":0.0659738942855396,"channel":0,"num_words":52,"start":239.47499,"end":254.5},{"sentences":[{"text":"Yep.","start":254.405,"end":254.905,"sentiment":"neutral","sentiment_score":0.05213959142565727}],"sentiment":"neutral","sentiment_score":0.05213959142565727,"channel":1,"num_words":1,"start":254.405,"end":254.905},{"sentences":[{"text":"okay for me to kind of add a bit extra on through","start":254.5,"end":257.055,"sentiment":"neutral","sentiment_score":0.06778592616319656}],"sentiment":"neutral","sentiment_score":0.06778592616319656,"channel":0,"num_words":12,"start":254.5,"end":257.055},{"sentences":[{"text":"Yep.","start":257.925,"end":258.245,"sentiment":"neutral","sentiment_score":0.045305393636226654},{"text":"So I've got I yeah.","start":258.245,"end":260.05002,"sentiment":"neutral","sentiment_score":-0.024212001636624337},{"text":"I've been meaning to and it's my fault because I keep putting the conversation off just because I've been","start":260.05002,"end":265.73,"sentiment":"neutral","sentiment_score":-0.2690805890842488}],"sentiment":"neutral","sentiment_score":-0.20753143228590487,"channel":1,"num_words":25,"start":257.925,"end":265.73},{"sentences":[{"text":"super.","start":265.51498,"end":266.01498,"sentiment":"negative","sentiment_score":-0.3697715401649475}],"sentiment":"negative","sentiment_score":-0.3697715401649475,"channel":0,"num_words":1,"start":265.51498,"end":266.01498},{"sentences":[{"text":"busy and just haven't got my mindset across it yet.","start":265.73,"end":270.85,"sentiment":"neutral","sentiment_score":-0.2740257903933525},{"text":"But I need to I probably need your help in, especially in that kind of insurance space.","start":270.85,"end":278.885,"sentiment":"neutral","sentiment_score":-0.1608017038773088},{"text":"Now that I'm kinda working on I've obviously been working for myself for a few years now, but I need to get in a better spot in terms of I'd rather just get the best cover, whatever that is, even if that has to be on my own.","start":279.505,"end":293.9,"sentiment":"neutral","sentiment_score":-0.2452022680081427},{"text":"I know that at the","start":293.9,"end":296.08002,"sentiment":"neutral","sentiment_score":-0.07091507464647293}],"sentiment":"neutral","sentiment_score":-0.21997713884338738,"channel":1,"num_words":80,"start":265.73,"end":296.08002},{"sentences":[{"text":"Yeah.","start":295.885,"end":296.1,"sentiment":"neutral","sentiment_score":-0.025496751070022583}],"sentiment":"neutral","sentiment_score":-0.025496751070022583,"channel":0,"num_words":1,"start":295.885,"end":296.1},{"sentences":[{"text":"at the at the start, I was kind of I wanted to in my head, just wanted to make sure we're both in the best position we could be and if that would meant us being on the same policy.","start":296.14,"end":307.22498,"sentiment":"neutral","sentiment_score":-0.057922288216650485},{"text":"In my head, I thought that might have been the best way to go about it.","start":309.925,"end":312.565,"sentiment":"neutral","sentiment_score":-0.11843937542289495},{"text":"But if it's not and it's better off or it's more beneficial for me to be on my own because there's there's additional benefit because I'm working for myself or whatever, I I just I need to cover myself as best as I can given","start":312.565,"end":329.27,"sentiment":"neutral","sentiment_score":-0.08065587282180786}],"sentiment":"neutral","sentiment_score":-0.07763797834072964,"channel":1,"num_words":101,"start":296.14,"end":329.27},{"sentences":[{"text":"Yeah.","start":329.41,"end":329.91,"sentiment":"neutral","sentiment_score":-0.05650517717003822}],"sentiment":"neutral","sentiment_score":-0.05650517717003822,"channel":0,"num_words":1,"start":329.41,"end":329.91},{"sentences":[{"text":"I'm the I'm making I'm I'm kind of the financial sort of","start":329.745,"end":336.485,"sentiment":"neutral","sentiment_score":0.024518723056341212}],"sentiment":"neutral","sentiment_score":0.024518723056341212,"channel":1,"num_words":12,"start":329.745,"end":336.485},{"sentences":[{"text":"The breadwinner, so to speak.","start":336.865,"end":338.485,"sentiment":"neutral","sentiment_score":0.017734017968177796}],"sentiment":"neutral","sentiment_score":0.017734017968177796,"channel":0,"num_words":5,"start":336.865,"end":338.485},{"sentences":[{"text":"yeah.","start":338.625,"end":339.125,"sentiment":"neutral","sentiment_score":-0.09869728982448578},{"text":"For lack of a a better word, like, if anything happens to me at the moment, then we're we're not supported as well as we we potentially could be.","start":339.185,"end":348.80002,"sentiment":"negative","sentiment_score":-0.5265470198516188},{"text":"So","start":348.80002,"end":349.30002,"sentiment":"neutral","sentiment_score":-0.14797857403755188}],"sentiment":"negative","sentiment_score":-0.5005335303083542,"channel":1,"num_words":31,"start":338.625,"end":349.30002},{"sentences":[{"text":"Yeah.","start":349.68,"end":350.18,"sentiment":"neutral","sentiment_score":-0.07248455286026001}],"sentiment":"neutral","sentiment_score":-0.07248455286026001,"channel":0,"num_words":1,"start":349.68,"end":350.18},{"sentences":[{"text":"I'd rather kind of if there's a better policy to ensure that we're getting the maximum out of it, and it's it's all coming out of the best places like Super or whatever else,","start":349.92,"end":361.40503,"sentiment":"neutral","sentiment_score":0.23708969529937296}],"sentiment":"neutral","sentiment_score":0.23708969529937296,"channel":1,"num_words":34,"start":349.92,"end":361.40503},{"sentences":[{"text":"Yep.","start":361.69498,"end":362.19498,"sentiment":"neutral","sentiment_score":0.16178517043590546}],"sentiment":"neutral","sentiment_score":0.16178517043590546,"channel":0,"num_words":1,"start":361.69498,"end":362.19498},{"sentences":[{"text":"I'd rather, yeah, us look into that.","start":362.665,"end":364.98502,"sentiment":"neutral","sentiment_score":0.0932899798665728},{"text":"I hope that's made sense because it's it probably sound like a little ramble, but, yeah, I I don't want us to be constrained by anything.","start":364.98502,"end":372.95,"sentiment":"neutral","sentiment_score":-0.11865382483945443},{"text":"I'd rather just get the best cover.","start":372.95,"end":374.39,"sentiment":"neutral","sentiment_score":-0.09079045802354813},{"text":"And if that means we need to have an alternate to the alley or us to go off, and we have to sort that out, that's so be it.","start":374.39,"end":383.77,"sentiment":"neutral","sentiment_score":-0.11565885166155881}],"sentiment":"neutral","sentiment_score":-0.0930668042189833,"channel":1,"num_words":69,"start":362.665,"end":383.77},{"sentences":[{"text":"Yep.","start":384.205,"end":384.525,"sentiment":"neutral","sentiment_score":0.09206646680831908},{"text":"No.","start":384.525,"end":384.76498,"sentiment":"neutral","sentiment_score":0.003811635076999664},{"text":"It makes perfect sense","start":384.76498,"end":385.805,"sentiment":"neutral","sentiment_score":0.24882736802101135}],"sentiment":"neutral","sentiment_score":0.18186459566156069,"channel":0,"num_words":6,"start":384.205,"end":385.805},{"sentences":[{"text":"Yep.","start":385.665,"end":386.165,"sentiment":"neutral","sentiment_score":0.2818101644515991}],"sentiment":"neutral","sentiment_score":0.2818101644515991,"channel":1,"num_words":1,"start":385.665,"end":386.165},{"sentences":[{"text":"to me.","start":385.805,"end":386.465,"sentiment":"neutral","sentiment_score":0.31775929033756256},{"text":"Based on my research so far, like, I've found really good deals when it comes to, like, the life insurance portion of it.","start":386.925,"end":393.245,"sentiment":"positive","sentiment_score":0.3834138642186704},{"text":"It's","start":393.245,"end":393.485,"sentiment":"neutral","sentiment_score":0.17683929204940796}],"sentiment":"positive","sentiment_score":0.37041833652899814,"channel":0,"num_words":26,"start":385.805,"end":393.485},{"sentences":[{"text":"Yep.","start":393.42502,"end":393.92502,"sentiment":"neutral","sentiment_score":0.1162850260734558}],"sentiment":"neutral","sentiment_score":0.1162850260734558,"channel":1,"num_words":1,"start":393.42502,"end":393.92502},{"sentences":[{"text":"really just trauma side of things.","start":393.485,"end":395.19998,"sentiment":"neutral","sentiment_score":0.030721747626860935},{"text":"So","start":395.19998,"end":395.59998,"sentiment":"neutral","sentiment_score":0.14987030625343323}],"sentiment":"neutral","sentiment_score":0.047742970287799835,"channel":0,"num_words":7,"start":393.485,"end":395.59998},{"sentences":[{"text":"Yep.","start":395.345,"end":395.845,"sentiment":"neutral","sentiment_score":0.22824972867965695}],"sentiment":"neutral","sentiment_score":0.22824972867965695,"channel":1,"num_words":1,"start":395.345,"end":395.845},{"sentences":[{"text":"what I'll do is I'll do up a quote for trauma insurance too to see if it is worth popping off of there.","start":395.59998,"end":401.69998,"sentiment":"neutral","sentiment_score":0.2544154712687368},{"text":"And then","start":401.75998,"end":402.24,"sentiment":"neutral","sentiment_score":0.1370641067624092}],"sentiment":"neutral","sentiment_score":0.2450273621082306,"channel":0,"num_words":25,"start":395.59998,"end":402.24},{"sentences":[{"text":"Yep.","start":401.95,"end":402.45,"sentiment":"neutral","sentiment_score":0.1333615630865097}],"sentiment":"neutral","sentiment_score":0.1333615630865097,"channel":1,"num_words":1,"start":401.95,"end":402.45},{"sentences":[{"text":"if not, you may wanna keep it, but I'll just get the other covers through the super.","start":402.24,"end":406.18,"sentiment":"neutral","sentiment_score":0.07067895067088745}],"sentiment":"neutral","sentiment_score":0.07067895067088745,"channel":0,"num_words":17,"start":402.24,"end":406.18},{"sentences":[{"text":"Okay.","start":406.67,"end":407.17,"sentiment":"neutral","sentiment_score":0.10108134150505066}],"sentiment":"neutral","sentiment_score":0.10108134150505066,"channel":1,"num_words":1,"start":406.67,"end":407.17},{"sentences":[{"text":"When it comes to the income protection, just bear in mind, I think we were quoting it for, like, a a ninety day waiting period, I believe, just to make sure that it's the premiums are low.","start":408.08,"end":418.39502,"sentiment":"neutral","sentiment_score":0.1143131421224491},{"text":"And if you're out of work for a few months, it'll kick in monthly for quite a while.","start":418.39502,"end":422.91,"sentiment":"neutral","sentiment_score":-0.16145415811075103}],"sentiment":"neutral","sentiment_score":0.024062025682492688,"channel":0,"num_words":55,"start":408.08,"end":422.91},{"sentences":[{"text":"Yes.","start":423.235,"end":423.735,"sentiment":"neutral","sentiment_score":-0.052899911999702454}],"sentiment":"neutral","sentiment_score":-0.052899911999702454,"channel":1,"num_words":1,"start":423.235,"end":423.735},{"sentences":[{"text":"Because it has come to under 1,000, do you want me to look at something more like a thirty day waiting period, or do you still have the the financial backing to to last a couple of months?","start":424.11002,"end":432.45,"sentiment":"neutral","sentiment_score":0.020882452249919112}],"sentiment":"neutral","sentiment_score":0.020882452249919112,"channel":0,"num_words":38,"start":424.11002,"end":432.45},{"sentences":[{"text":"I'm I'm sure we could, but anything again, anything if it means you get the money quicker if we ever needed to, I'm, yeah, happy to explore it.","start":433.65,"end":442.31,"sentiment":"positive","sentiment_score":0.42969148818935665}],"sentiment":"positive","sentiment_score":0.42969148818935665,"channel":1,"num_words":28,"start":433.65,"end":442.31},{"sentences":[{"text":"Yep.","start":442.565,"end":442.965,"sentiment":"positive","sentiment_score":0.48793110251426697},{"text":"Easy done.","start":442.965,"end":443.945,"sentiment":"positive","sentiment_score":0.6440948247909546},{"text":"And the my hesitancy initially was because of the you don't have contributions coming in from all the different sources of income.","start":444.085,"end":451.9,"sentiment":"neutral","sentiment_score":-0.07917854833331975},{"text":"I","start":452.12,"end":452.36,"sentiment":"neutral","sentiment_score":-0.15067517757415771}],"sentiment":"neutral","sentiment_score":-0.004480095723500619,"channel":0,"num_words":26,"start":442.565,"end":452.36},{"sentences":[{"text":"Yeah.","start":452.185,"end":452.685,"sentiment":"neutral","sentiment_score":-0.09040088206529616}],"sentiment":"neutral","sentiment_score":-0.09040088206529616,"channel":1,"num_words":1,"start":452.185,"end":452.685},{"sentences":[{"text":"didn't want too much premiums dragging the super backwards.","start":452.36,"end":455.02,"sentiment":"neutral","sentiment_score":-0.27320807344383663},{"text":"But","start":455.08,"end":455.32,"sentiment":"neutral","sentiment_score":0.02075052261352539}],"sentiment":"neutral","sentiment_score":-0.24381221383810042,"channel":0,"num_words":10,"start":452.36,"end":455.32},{"sentences":[{"text":"Okay.","start":455.305,"end":455.805,"sentiment":"neutral","sentiment_score":0.14355945587158203}],"sentiment":"neutral","sentiment_score":0.14355945587158203,"channel":1,"num_words":1,"start":455.305,"end":455.805},{"sentences":[{"text":"if you can maintain that contributions that you're doing now, that changes the the conversation completely, and I can base it off of an affordability metric to say as long as premiums are below, say, 30% of your contributions, we'll consider that as affordable in the projections.","start":455.32,"end":471.69498,"sentiment":"neutral","sentiment_score":0.28240381323910774}],"sentiment":"neutral","sentiment_score":0.28240381323910774,"channel":0,"num_words":47,"start":455.32,"end":471.69498},{"sentences":[{"text":"Yeah.","start":472.565,"end":472.88498,"sentiment":"neutral","sentiment_score":0.15118110179901123},{"text":"Yeah.","start":472.88498,"end":473.125,"sentiment":"neutral","sentiment_score":0.17487061023712158},{"text":"I I I've again, I've been waiting to kind of get some stability in my income to ensure that I could get some kind of ongoing super happening per month from my end, and and and","start":473.125,"end":484.83,"sentiment":"neutral","sentiment_score":0.2533747564173407}],"sentiment":"neutral","sentiment_score":0.24861955113316836,"channel":1,"num_words":38,"start":472.565,"end":484.83},{"sentences":[{"text":"Mhmm.","start":484.65,"end":485.15,"sentiment":"neutral","sentiment_score":0.0729411244392395}],"sentiment":"neutral","sentiment_score":0.0729411244392395,"channel":0,"num_words":1,"start":484.65,"end":485.15},{"sentences":[{"text":"you've obviously seen that in the last couple of months, I've I've kinda got that ongoing installment going in.","start":484.90997,"end":490.50998,"sentiment":"neutral","sentiment_score":0.10250145667477657},{"text":"So,","start":490.50998,"end":491.00998,"sentiment":"neutral","sentiment_score":0.1411697268486023}],"sentiment":"neutral","sentiment_score":0.10443487018346786,"channel":1,"num_words":20,"start":484.90997,"end":491.00998},{"sentences":[{"text":"Yep.","start":491.21,"end":491.475,"sentiment":"neutral","sentiment_score":0.21324411034584043}],"sentiment":"neutral","sentiment_score":0.21324411034584043,"channel":0,"num_words":1,"start":491.21,"end":491.475},{"sentences":[{"text":"yeah, whatever that means, that's fine.","start":491.22998,"end":493.55,"sentiment":"neutral","sentiment_score":0.26916808138291043},{"text":"Obviously, yeah, I know anything that reduces fees and all that sort of stuff.","start":493.55,"end":499.035,"sentiment":"neutral","sentiment_score":0.1742375556911741},{"text":"Yeah.","start":499.195,"end":499.695,"sentiment":"neutral","sentiment_score":0.17333364486694336}],"sentiment":"neutral","sentiment_score":0.20131751965908778,"channel":1,"num_words":21,"start":491.22998,"end":499.695},{"sentences":[{"text":"Mhmm.","start":499.475,"end":499.975,"sentiment":"neutral","sentiment_score":0.14630180597305298}],"sentiment":"neutral","sentiment_score":0.14630180597305298,"channel":0,"num_words":1,"start":499.475,"end":499.975},{"sentences":[{"text":"Just the more money coming in, the better.","start":499.995,"end":501.595,"sentiment":"neutral","sentiment_score":0.298850916326046},{"text":"Whatever that looks like.","start":501.595,"end":502.815,"sentiment":"neutral","sentiment_score":0.1473464071750641}],"sentiment":"neutral","sentiment_score":0.2483494132757187,"channel":1,"num_words":12,"start":499.995,"end":502.815},{"sentences":[{"text":"Yep.","start":502.835,"end":503.23502,"sentiment":"neutral","sentiment_score":0.2864418029785156},{"text":"Absolutely.","start":503.23502,"end":503.73502,"sentiment":"positive","sentiment_score":0.4345109462738037},{"text":"So I'll keep an eye on that, and I'll put that together.","start":503.875,"end":505.975,"sentiment":"neutral","sentiment_score":0.2826360911130905}],"sentiment":"neutral","sentiment_score":0.29375613161495756,"channel":0,"num_words":14,"start":502.835,"end":505.975},{"sentences":[{"text":"Yep.","start":506.475,"end":506.975,"sentiment":"neutral","sentiment_score":0.1754689663648605}],"sentiment":"neutral","sentiment_score":0.1754689663648605,"channel":1,"num_words":1,"start":506.475,"end":506.975},{"sentences":[{"text":"And like I said, I'll get the team to do the forms for the claiming of the contributions.","start":506.52002,"end":511.02002,"sentiment":"neutral","sentiment_score":0.17606852741705048},{"text":"Just make sure that you get the confirmation letter before you submit your tax return.","start":511.48,"end":516.7,"sentiment":"neutral","sentiment_score":0.09422525117794672}],"sentiment":"neutral","sentiment_score":0.13886703821745786,"channel":0,"num_words":33,"start":506.52002,"end":516.7},{"sentences":[{"text":"Yeah.","start":517.11,"end":517.43,"sentiment":"neutral","sentiment_score":0.039789073169231415},{"text":"No worries.","start":517.43,"end":518.17,"sentiment":"neutral","sentiment_score":-0.00900949165225029}],"sentiment":"neutral","sentiment_score":0.007256696621576945,"channel":1,"num_words":3,"start":517.11,"end":518.17},{"sentences":[{"text":"Otherwise, they they lock you out.","start":518.36,"end":519.675,"sentiment":"negative","sentiment_score":-0.40920942028363544},{"text":"That's all.","start":519.675,"end":520.415,"sentiment":"neutral","sentiment_score":-0.07148315198719501}],"sentiment":"neutral","sentiment_score":-0.32477785320952535,"channel":0,"num_words":8,"start":518.36,"end":520.415},{"sentences":[{"text":"Yep.","start":520.63,"end":521.13,"sentiment":"neutral","sentiment_score":0.13371145725250244},{"text":"That's okay.","start":521.19,"end":521.93,"sentiment":"neutral","sentiment_score":0.26504167914390564}],"sentiment":"neutral","sentiment_score":0.2212649385134379,"channel":1,"num_words":3,"start":520.63,"end":521.93},{"sentences":[{"text":"Cool.","start":522.15497,"end":522.635,"sentiment":"positive","sentiment_score":0.4498973488807678},{"text":"So I'll sort that out.","start":522.635,"end":523.595,"sentiment":"neutral","sentiment_score":0.15511724706739188},{"text":"The only other thing when it comes to the Ali insurance is they've been sending through statements to us, but redacting each other's details.","start":523.595,"end":531.695,"sentiment":"neutral","sentiment_score":-0.07805235940031707},{"text":"So we got one for Daniella, but it's got all of your details redacted.","start":532.66003,"end":536.36005,"sentiment":"neutral","sentiment_score":-0.04217724990199453},{"text":"And I'm just wondering if you guys possibly have a statement floating around that you could flick through that's a bit more up to date.","start":536.66003,"end":542.66003,"sentiment":"neutral","sentiment_score":0.004167429804801941}],"sentiment":"neutral","sentiment_score":-0.016435779636199382,"channel":0,"num_words":69,"start":522.15497,"end":542.66003},{"sentences":[{"text":"That might be helpful.","start":542.66003,"end":543.72003,"sentiment":"neutral","sentiment_score":0.18027915805578232}],"sentiment":"neutral","sentiment_score":0.18027915805578232,"channel":0,"num_words":4,"start":542.66003,"end":543.72003},{"sentences":[{"text":"I'll have to find it.","start":545.13,"end":546.50995,"sentiment":"neutral","sentiment_score":0.009967862907797099}],"sentiment":"neutral","sentiment_score":0.009967862907797099,"channel":1,"num_words":5,"start":545.13,"end":546.50995},{"sentences":[{"text":"Cool.","start":547.22003,"end":547.515,"sentiment":"neutral","sentiment_score":0.10814787447452544}],"sentiment":"neutral","sentiment_score":0.10814787447452544,"channel":0,"num_words":1,"start":547.22003,"end":547.515},{"sentences":[{"text":"Why would","start":547.29,"end":547.61,"sentiment":"neutral","sentiment_score":-0.03944448195397854}],"sentiment":"neutral","sentiment_score":-0.03944448195397854,"channel":1,"num_words":2,"start":547.29,"end":547.61},{"sentences":[{"text":"What","start":547.59503,"end":547.755,"sentiment":"neutral","sentiment_score":-0.019044186919927597}],"sentiment":"neutral","sentiment_score":-0.019044186919927597,"channel":0,"num_words":1,"start":547.59503,"end":547.755},{"sentences":[{"text":"I","start":547.61,"end":547.76996,"sentiment":"neutral","sentiment_score":-0.0305401049554348}],"sentiment":"neutral","sentiment_score":-0.0305401049554348,"channel":1,"num_words":1,"start":547.61,"end":547.76996},{"sentences":[{"text":"what","start":547.755,"end":547.995,"sentiment":"neutral","sentiment_score":-0.030258869752287865}],"sentiment":"neutral","sentiment_score":-0.030258869752287865,"channel":0,"num_words":1,"start":547.755,"end":547.995},{"sentences":[{"text":"do that?","start":547.76996,"end":548.43,"sentiment":"neutral","sentiment_score":-0.05335443466901779}],"sentiment":"neutral","sentiment_score":-0.05335443466901779,"channel":1,"num_words":2,"start":547.76996,"end":548.43},{"sentences":[{"text":"we'll do, if we do an authority on, like, Danielle of her details, they redact","start":547.995,"end":554.47504,"sentiment":"neutral","sentiment_score":-0.02073974267890056}],"sentiment":"neutral","sentiment_score":-0.02073974267890056,"channel":0,"num_words":15,"start":547.995,"end":554.47504},{"sentences":[{"text":"Yes.","start":554.25,"end":554.75,"sentiment":"neutral","sentiment_score":0.01461098063737154}],"sentiment":"neutral","sentiment_score":0.01461098063737154,"channel":1,"num_words":1,"start":554.25,"end":554.75},{"sentences":[{"text":"yours.","start":554.47504,"end":554.97504,"sentiment":"neutral","sentiment_score":-0.00230590021237731},{"text":"So it's not like a joint authority.","start":555.03503,"end":556.47504,"sentiment":"neutral","sentiment_score":-0.053876923131091256},{"text":"So we're gonna do, like, a separate one for you, one for her, and they just keep blacking out half the info.","start":556.47504,"end":562.04,"sentiment":"neutral","sentiment_score":-0.18059183513237673}],"sentiment":"neutral","sentiment_score":-0.14508215783474346,"channel":0,"num_words":30,"start":554.47504,"end":562.04},{"sentences":[{"text":"Yep.","start":562.285,"end":562.785,"sentiment":"neutral","sentiment_score":0.06644045561552048}],"sentiment":"neutral","sentiment_score":0.06644045561552048,"channel":1,"num_words":1,"start":562.285,"end":562.785},{"sentences":[{"text":"If you've got one, that's the quickest.","start":562.98,"end":564.57996,"sentiment":"neutral","sentiment_score":0.09549213945865631},{"text":"If not, we'll do an authority for yours, and it's just to get the updated premiums, really.","start":564.57996,"end":569.48,"sentiment":"neutral","sentiment_score":0.03737699766369427}],"sentiment":"neutral","sentiment_score":0.05432724735389153,"channel":0,"num_words":24,"start":562.98,"end":569.48},{"sentences":[{"text":"Yeah.","start":570.25,"end":570.57,"sentiment":"neutral","sentiment_score":0.07487155497074127},{"text":"So what do you need from me?","start":570.57,"end":572.91003,"sentiment":"neutral","sentiment_score":0.043035515184913366}],"sentiment":"neutral","sentiment_score":0.04701502015814185,"channel":1,"num_words":8,"start":570.25,"end":572.91003},{"sentences":[{"text":"Just a statement or a certificate","start":573.3,"end":575.385,"sentiment":"neutral","sentiment_score":0.04540849042435487}],"sentiment":"neutral","sentiment_score":0.04540849042435487,"channel":0,"num_words":6,"start":573.3,"end":575.385},{"sentences":[{"text":"Yep.","start":575.13,"end":575.63,"sentiment":"neutral","sentiment_score":0.04775708168745041}],"sentiment":"neutral","sentiment_score":0.04775708168745041,"channel":1,"num_words":1,"start":575.13,"end":575.63},{"sentences":[{"text":"of currency or an anniversary notice, whatever they've emailed through.","start":575.385,"end":579.405,"sentiment":"neutral","sentiment_score":0.04804785512387753}],"sentiment":"neutral","sentiment_score":0.04804785512387753,"channel":0,"num_words":10,"start":575.385,"end":579.405},{"sentences":[{"text":"Yeah.","start":579.85004,"end":580.25,"sentiment":"neutral","sentiment_score":0.07600166648626328},{"text":"Okay.","start":580.25,"end":580.75,"sentiment":"neutral","sentiment_score":0.08133497834205627}],"sentiment":"neutral","sentiment_score":0.07866832241415977,"channel":1,"num_words":2,"start":579.85004,"end":580.75},{"sentences":[{"text":"I'll get that notice of intent to claim form done","start":581.945,"end":584.825,"sentiment":"neutral","sentiment_score":0.11360439509153367}],"sentiment":"neutral","sentiment_score":0.11360439509153367,"channel":0,"num_words":10,"start":581.945,"end":584.825},{"sentences":[{"text":"Yeah.","start":584.695,"end":585.195,"sentiment":"neutral","sentiment_score":0.11827914416790009}],"sentiment":"neutral","sentiment_score":0.11827914416790009,"channel":1,"num_words":1,"start":584.695,"end":585.195},{"sentences":[{"text":"and then send you through the details.","start":584.825,"end":586.425,"sentiment":"neutral","sentiment_score":0.11075724767787117},{"text":"You can just reply to that.","start":586.425,"end":588.56,"sentiment":"neutral","sentiment_score":0.10780776540438335}],"sentiment":"neutral","sentiment_score":0.10939594816703063,"channel":0,"num_words":13,"start":584.825,"end":588.56},{"sentences":[{"text":"Oh, perfect.","start":588.135,"end":588.695,"sentiment":"positive","sentiment_score":0.5784725844860077},{"text":"No worries.","start":588.695,"end":589.435,"sentiment":"positive","sentiment_score":0.37609194219112396}],"sentiment":"positive","sentiment_score":0.4772822633385658,"channel":1,"num_words":4,"start":588.135,"end":589.435},{"sentences":[{"text":"That way, it's all all in one spot for you.","start":590.45996,"end":593.27997,"sentiment":"positive","sentiment_score":0.5128921121358871}],"sentiment":"positive","sentiment_score":0.5128921121358871,"channel":0,"num_words":10,"start":590.45996,"end":593.27997},{"sentences":[{"text":"Yeah.","start":593.495,"end":593.995,"sentiment":"neutral","sentiment_score":0.1902076005935669}],"sentiment":"neutral","sentiment_score":0.1902076005935669,"channel":1,"num_words":1,"start":593.495,"end":593.995},{"sentences":[{"text":"Outside of that, quick double check on details, make sure it hasn't changed too much.","start":594.94,"end":599.205,"sentiment":"neutral","sentiment_score":0.14209249665339788},{"text":"So we're obviously doing the same kind of work, which is great.","start":599.445,"end":603.525,"sentiment":"positive","sentiment_score":0.5665905078252157},{"text":"Do you know how you finished up for the financial year income wise overall?","start":603.525,"end":607.385,"sentiment":"neutral","sentiment_score":0.12881211111588137}],"sentiment":"neutral","sentiment_score":0.2618010512030706,"channel":0,"num_words":41,"start":594.94,"end":607.385},{"sentences":[{"text":"I I before tax?","start":609.31,"end":611.73,"sentiment":"neutral","sentiment_score":0.0026495829224586487}],"sentiment":"neutral","sentiment_score":0.0026495829224586487,"channel":1,"num_words":4,"start":609.31,"end":611.73},{"sentences":[{"text":"Yeah.","start":612.48505,"end":612.805,"sentiment":"neutral","sentiment_score":0.014589960686862469},{"text":"Just a gross amount.","start":612.805,"end":613.765,"sentiment":"neutral","sentiment_score":0.010701966937631369},{"text":"I think we was thinking somewhere between","start":613.765,"end":615.42004,"sentiment":"neutral","sentiment_score":-0.024604648617761477}],"sentiment":"neutral","sentiment_score":-0.009569559323911866,"channel":0,"num_words":12,"start":612.48505,"end":615.42004},{"sentences":[{"text":"I'm speaking.","start":615.005,"end":615.665,"sentiment":"neutral","sentiment_score":-0.02638381626456976}],"sentiment":"neutral","sentiment_score":-0.02638381626456976,"channel":1,"num_words":2,"start":615.005,"end":615.665},{"sentences":[{"text":"$70.80.","start":615.80005,"end":616.7,"sentiment":"neutral","sentiment_score":0.011190546676516531}],"sentiment":"neutral","sentiment_score":0.011190546676516531,"channel":0,"num_words":1,"start":615.80005,"end":616.7},{"sentences":[{"text":"I think before tax, that would have been last year.","start":617.165,"end":620.785,"sentiment":"neutral","sentiment_score":-0.03589853905141353},{"text":"If I'm looking at my QuickBooks, it's telling me that I'm I that about a 150 came in.","start":622.845,"end":630.76,"sentiment":"neutral","sentiment_score":-0.06775254187070662},{"text":"So","start":631.14,"end":631.64,"sentiment":"neutral","sentiment_score":-0.06488154828548431}],"sentiment":"neutral","sentiment_score":-0.05666940318870133,"channel":1,"num_words":29,"start":617.165,"end":631.64},{"sentences":[{"text":"Yeah.","start":631.57495,"end":632.07495,"sentiment":"neutral","sentiment_score":-0.07722525298595428}],"sentiment":"neutral","sentiment_score":-0.07722525298595428,"channel":0,"num_words":1,"start":631.57495,"end":632.07495},{"sentences":[{"text":"I don't know what ends up working out to once expenses and whatever's taken out of.","start":632.26,"end":637.72003,"sentiment":"neutral","sentiment_score":-0.12087131710723042},{"text":"And","start":637.86005,"end":638.10004,"sentiment":"neutral","sentiment_score":-0.05117212235927582}],"sentiment":"neutral","sentiment_score":-0.11677136447499781,"channel":1,"num_words":17,"start":632.26,"end":638.10004},{"sentences":[{"text":"Yeah.","start":638.055,"end":638.555,"sentiment":"neutral","sentiment_score":-0.02520869672298431}],"sentiment":"neutral","sentiment_score":-0.02520869672298431,"channel":0,"num_words":1,"start":638.055,"end":638.555},{"sentences":[{"text":"I don't know if I'm looking at the right numbers, but I'm pretty sure that's that's right.","start":638.10004,"end":643.875,"sentiment":"neutral","sentiment_score":0.02153621131882948}],"sentiment":"neutral","sentiment_score":0.02153621131882948,"channel":1,"num_words":17,"start":638.10004,"end":643.875},{"sentences":[{"text":"No.","start":644.92,"end":645.16003,"sentiment":"neutral","sentiment_score":-0.04542955011129379},{"text":"That's fine.","start":645.16003,"end":645.64,"sentiment":"neutral","sentiment_score":0.10367751494050026},{"text":"I can go off that as a revenue because, obviously, the you know, getting SGC from all of those sources of income, so I'll just base it on what's coming into the account plus the thousand a month.","start":645.64,"end":655.545,"sentiment":"neutral","sentiment_score":0.11118725383360135},{"text":"And","start":655.865,"end":656.185,"sentiment":"neutral","sentiment_score":0.05727739632129669}],"sentiment":"neutral","sentiment_score":0.1058171076611394,"channel":0,"num_words":42,"start":644.92,"end":656.185},{"sentences":[{"text":"Yeah.","start":655.87,"end":656.37,"sentiment":"neutral","sentiment_score":0.060508087277412415}],"sentiment":"neutral","sentiment_score":0.060508087277412415,"channel":1,"num_words":1,"start":655.87,"end":656.37},{"sentences":[{"text":"I'll just put that as an income estimate gross for the time being.","start":656.185,"end":659.565,"sentiment":"neutral","sentiment_score":0.06564059824897693}],"sentiment":"neutral","sentiment_score":0.06564059824897693,"channel":0,"num_words":13,"start":656.185,"end":659.565},{"sentences":[{"text":"Yeah.","start":659.87,"end":660.19,"sentiment":"neutral","sentiment_score":0.07941626757383347},{"text":"No worries.","start":660.19,"end":660.85,"sentiment":"neutral","sentiment_score":0.21477718651294708}],"sentiment":"neutral","sentiment_score":0.1696568801999092,"channel":1,"num_words":3,"start":659.87,"end":660.85},{"sentences":[{"text":"Fantastic.","start":661.305,"end":661.805,"sentiment":"positive","sentiment_score":0.5499951243400574},{"text":"Outside of that, the mortgage, has it dropped down below 300?","start":662.185,"end":667.96497,"sentiment":"neutral","sentiment_score":0.06023188612677834}],"sentiment":"neutral","sentiment_score":0.10104548931121826,"channel":0,"num_words":12,"start":661.305,"end":667.96497},{"sentences":[{"text":"Yes.","start":669.495,"end":669.995,"sentiment":"neutral","sentiment_score":0.12602752447128296}],"sentiment":"neutral","sentiment_score":0.12602752447128296,"channel":1,"num_words":1,"start":669.495,"end":669.995},{"sentences":[{"text":"Perfect.","start":671.45,"end":671.85,"sentiment":"positive","sentiment_score":0.4138738811016083},{"text":"How far down do you reckon?","start":671.85,"end":672.89,"sentiment":"neutral","sentiment_score":0.09900178884466489},{"text":"What's a bit of an estimate?","start":672.89,"end":674.11,"sentiment":"neutral","sentiment_score":0.04879989723364512}],"sentiment":"neutral","sentiment_score":0.10005261519780526,"channel":0,"num_words":13,"start":671.45,"end":674.11},{"sentences":[{"text":"Let me get it up.","start":674.375,"end":675.59503,"sentiment":"neutral","sentiment_score":0.05682549104094505}],"sentiment":"neutral","sentiment_score":0.05682549104094505,"channel":1,"num_words":5,"start":674.375,"end":675.59503},{"sentences":[{"text":"And while you're doing that, I'm just gonna do a quick valuation update.","start":678.97003,"end":682.35,"sentiment":"neutral","sentiment_score":0.07092591260488217}],"sentiment":"neutral","sentiment_score":0.07092591260488217,"channel":0,"num_words":13,"start":678.97003,"end":682.35},{"sentences":[{"text":"So 2, I think, 2819.","start":683.73,"end":686.37,"sentiment":"neutral","sentiment_score":0.0388149194419384},{"text":"So 282, let's say.","start":686.37,"end":688.15,"sentiment":"neutral","sentiment_score":0.03937779879197478}],"sentiment":"neutral","sentiment_score":0.03906508804195457,"channel":1,"num_words":9,"start":683.73,"end":688.15},{"sentences":[{"text":"282.","start":689.705,"end":690.84503,"sentiment":"neutral","sentiment_score":0.06145482510328293},{"text":"Perfect.","start":691.065,"end":691.565,"sentiment":"neutral","sentiment_score":0.3153532147407532}],"sentiment":"neutral","sentiment_score":0.18840401992201805,"channel":0,"num_words":2,"start":689.705,"end":691.565},{"sentences":[{"text":"Yeah.","start":691.25,"end":691.75,"sentiment":"neutral","sentiment_score":0.1610577404499054}],"sentiment":"neutral","sentiment_score":0.1610577404499054,"channel":1,"num_words":1,"start":691.25,"end":691.75},{"sentences":[{"text":"And home value, I'm I'm assuming you've benefited from the last twelve months crested above a mil now.","start":693.145,"end":698.67,"sentiment":"neutral","sentiment_score":0.15043602718247306}],"sentiment":"neutral","sentiment_score":0.15043602718247306,"channel":0,"num_words":18,"start":693.145,"end":698.67},{"sentences":[{"text":"I assume so.","start":699.38495,"end":700.26495,"sentiment":"neutral","sentiment_score":0.0689479832847913},{"text":"I I hope we haven't had it officially evaluated, but most of the houses around here are selling 1 mil plus.","start":700.26495,"end":706.20496,"sentiment":"neutral","sentiment_score":0.011828851398257982}],"sentiment":"neutral","sentiment_score":0.018968742884074647,"channel":1,"num_words":24,"start":699.38495,"end":706.20496},{"sentences":[{"text":"Yep.","start":706.33,"end":706.64996,"sentiment":"neutral","sentiment_score":0.048163846135139465},{"text":"Yep.","start":706.64996,"end":706.97,"sentiment":"neutral","sentiment_score":0.046972185373306274},{"text":"I'll put 1,000,000 for now.","start":706.97,"end":708.41,"sentiment":"neutral","sentiment_score":0.05757721439003945},{"text":"It's not gonna","start":708.41,"end":709.05,"sentiment":"neutral","sentiment_score":-0.050626019636789955}],"sentiment":"neutral","sentiment_score":0.02311440445482731,"channel":0,"num_words":10,"start":706.33,"end":709.05},{"sentences":[{"text":"Yeah.","start":708.82495,"end":709.32495,"sentiment":"neutral","sentiment_score":-0.03546183556318283}],"sentiment":"neutral","sentiment_score":-0.03546183556318283,"channel":1,"num_words":1,"start":708.82495,"end":709.32495},{"sentences":[{"text":"make too much of a difference.","start":709.05,"end":710.085,"sentiment":"neutral","sentiment_score":-0.048141198232769966},{"text":"And just for, like, the the life and disability cover, so there's $470,000 through Ali.","start":712.005,"end":717.92505,"sentiment":"neutral","sentiment_score":0.03307330769797166},{"text":"I was just gonna do a flat 500,000 of both because you get some volume discounts once you click 500.","start":717.92505,"end":723.58997,"sentiment":"neutral","sentiment_score":0.0918097609654069},{"text":"Is","start":723.89,"end":724.13,"sentiment":"neutral","sentiment_score":0.05705596134066582}],"sentiment":"neutral","sentiment_score":0.05001199063623235,"channel":0,"num_words":42,"start":709.05,"end":724.13},{"sentences":[{"text":"Okay.","start":724.02997,"end":724.52997,"sentiment":"neutral","sentiment_score":0.07042916119098663}],"sentiment":"neutral","sentiment_score":0.07042916119098663,"channel":1,"num_words":1,"start":724.02997,"end":724.52997},{"sentences":[{"text":"that okay for life and total disability lump sum?","start":724.13,"end":727.99,"sentiment":"neutral","sentiment_score":0.06812466887964143}],"sentiment":"neutral","sentiment_score":0.06812466887964143,"channel":0,"num_words":9,"start":724.13,"end":727.99},{"sentences":[{"text":"So that would mean in the case that I couldn't work through disability or some whatever whatever else that you get 500,000 upfront.","start":728.865,"end":740.565,"sentiment":"neutral","sentiment_score":-0.0023670909197434135}],"sentiment":"neutral","sentiment_score":-0.0023670909197434135,"channel":1,"num_words":23,"start":728.865,"end":740.565},{"sentences":[{"text":"Yeah.","start":741.425,"end":741.665,"sentiment":"neutral","sentiment_score":0.0013706274330615995},{"text":"So if you pass away or can never work again, there's 0.5 a mil.","start":741.665,"end":745.125,"sentiment":"neutral","sentiment_score":-0.04426515629581575},{"text":"Pay","start":745.185,"end":745.345,"sentiment":"neutral","sentiment_score":0.02846929430961609}],"sentiment":"neutral","sentiment_score":-0.036867016649921425,"channel":0,"num_words":16,"start":741.425,"end":745.345},{"sentences":[{"text":"Yep.","start":745.29004,"end":745.79004,"sentiment":"neutral","sentiment_score":0.06759122014045715}],"sentiment":"neutral","sentiment_score":0.06759122014045715,"channel":1,"num_words":1,"start":745.29004,"end":745.79004},{"sentences":[{"text":"off the mortgage, couple of $100 left over, and then you've got your income protection kicking in for that monthly","start":745.345,"end":751.3,"sentiment":"neutral","sentiment_score":0.07887955959886313}],"sentiment":"neutral","sentiment_score":0.07887955959886313,"channel":0,"num_words":20,"start":745.345,"end":751.3},{"sentences":[{"text":"That's","start":751.21,"end":751.53,"sentiment":"neutral","sentiment_score":0.04960864409804344}],"sentiment":"neutral","sentiment_score":0.04960864409804344,"channel":1,"num_words":1,"start":751.21,"end":751.53},{"sentences":[{"text":"replacement.","start":751.36,"end":751.86,"sentiment":"neutral","sentiment_score":0.04909464716911316}],"sentiment":"neutral","sentiment_score":0.04909464716911316,"channel":0,"num_words":1,"start":751.36,"end":751.86},{"sentences":[{"text":"clean.","start":751.53,"end":752.03,"sentiment":"neutral","sentiment_score":0.049589455127716064},{"text":"Okay.","start":752.81,"end":753.13,"sentiment":"neutral","sentiment_score":0.07380115240812302},{"text":"And that would be ongoing as well.","start":753.13,"end":754.91003,"sentiment":"neutral","sentiment_score":0.07564144155808858}],"sentiment":"neutral","sentiment_score":0.0725422998269399,"channel":1,"num_words":9,"start":751.53,"end":754.91003},{"sentences":[{"text":"Yeah.","start":755.36,"end":755.86,"sentiment":"neutral","sentiment_score":0.07595393061637878}],"sentiment":"neutral","sentiment_score":0.07595393061637878,"channel":0,"num_words":1,"start":755.36,"end":755.86},{"sentences":[{"text":"Yeah.","start":757.185,"end":757.265,"sentiment":"neutral","sentiment_score":0.06875736266374588},{"text":"I I guess so.","start":757.265,"end":757.905,"sentiment":"neutral","sentiment_score":0.06080977153033018},{"text":"Yeah.","start":757.905,"end":758.405,"sentiment":"neutral","sentiment_score":0.12594053149223328}],"sentiment":"neutral","sentiment_score":0.07298949671288331,"channel":1,"num_words":6,"start":757.185,"end":758.405},{"sentences":[{"text":"Cool.","start":759.12,"end":759.51996,"sentiment":"neutral","sentiment_score":0.053352948278188705},{"text":"We can always adjust it, but I'll apply for that for now because anything below that, it's almost more expensive than just going for the round figure.","start":759.51996,"end":766.735,"sentiment":"neutral","sentiment_score":-0.28834731021413096}],"sentiment":"neutral","sentiment_score":-0.276143729553691,"channel":0,"num_words":28,"start":759.12,"end":766.735},{"sentences":[{"text":"Okay.","start":766.865,"end":767.365,"sentiment":"neutral","sentiment_score":0.008540311828255653}],"sentiment":"neutral","sentiment_score":0.008540311828255653,"channel":1,"num_words":1,"start":766.865,"end":767.365},{"sentences":[{"text":"And anytime you","start":768.075,"end":769.595,"sentiment":"neutral","sentiment_score":0.013828756908575693}],"sentiment":"neutral","sentiment_score":0.013828756908575693,"channel":0,"num_words":3,"start":768.075,"end":769.595},{"sentences":[{"text":"Yes.","start":769.47,"end":769.97,"sentiment":"neutral","sentiment_score":0.09144920110702516}],"sentiment":"neutral","sentiment_score":0.09144920110702516,"channel":1,"num_words":1,"start":769.47,"end":769.97},{"sentences":[{"text":"decrease, easy done.","start":769.595,"end":770.795,"sentiment":"neutral","sentiment_score":0.27511613567670185},{"text":"It's just literally a quote or a letter.","start":770.795,"end":772.715,"sentiment":"neutral","sentiment_score":0.1779915876686573},{"text":"But if you increase cover, you gotta go through, like, underwriting medical questions, all that kind of thing.","start":772.715,"end":778.76,"sentiment":"neutral","sentiment_score":0.03134815332790216}],"sentiment":"neutral","sentiment_score":0.09701889200971045,"channel":0,"num_words":29,"start":769.595,"end":778.76},{"sentences":[{"text":"Okay.","start":778.91,"end":779.41,"sentiment":"neutral","sentiment_score":0.2238389551639557}],"sentiment":"neutral","sentiment_score":0.2238389551639557,"channel":1,"num_words":1,"start":778.91,"end":779.41},{"sentences":[{"text":"So rather just give you a bit of a buffer, do it once, should let you be pretty comfortable for a while.","start":779.78,"end":785.46,"sentiment":"positive","sentiment_score":0.3918761529705741},{"text":"And then if we adjust it, it won't be for a few years' time.","start":785.46,"end":788.28,"sentiment":"neutral","sentiment_score":0.16271039683903968}],"sentiment":"neutral","sentiment_score":0.3027561366971996,"channel":0,"num_words":36,"start":779.78,"end":788.28},{"sentences":[{"text":"Yep.","start":788.395,"end":788.795,"sentiment":"neutral","sentiment_score":0.16957345604896543},{"text":"No worries.","start":788.795,"end":789.535,"sentiment":"neutral","sentiment_score":0.28697991371154785}],"sentiment":"neutral","sentiment_score":0.24784442782402039,"channel":1,"num_words":3,"start":788.395,"end":789.535},{"sentences":[{"text":"Perfect.","start":790.26,"end":790.76,"sentiment":"positive","sentiment_score":0.5325943231582642},{"text":"Outside of that, I just had a bit of shares, bit of offset.","start":791.275,"end":794.015,"sentiment":"neutral","sentiment_score":0.1273025916172908},{"text":"I think you guys had about $20 in offset last time I spoke to you.","start":794.715,"end":798.015,"sentiment":"neutral","sentiment_score":0.06825410549839338}],"sentiment":"neutral","sentiment_score":0.11073584816065328,"channel":0,"num_words":29,"start":790.26,"end":798.015},{"sentences":[{"text":"Yeah.","start":801.95,"end":802.35,"sentiment":"neutral","sentiment_score":-0.009813763201236725},{"text":"Probably not as much this time around, I think.","start":802.35,"end":804.93,"sentiment":"neutral","sentiment_score":-0.1864137285285526},{"text":"He's","start":805.31,"end":805.55,"sentiment":"neutral","sentiment_score":-0.04387744888663292}],"sentiment":"neutral","sentiment_score":-0.15740134262225844,"channel":1,"num_words":11,"start":801.95,"end":805.55},{"sentences":[{"text":"No.","start":805.515,"end":805.755,"sentiment":"neutral","sentiment_score":-0.09292253851890564}],"sentiment":"neutral","sentiment_score":-0.09292253851890564,"channel":0,"num_words":1,"start":805.515,"end":805.755},{"sentences":[{"text":"gonna add","start":805.55,"end":805.87,"sentiment":"neutral","sentiment_score":-0.040115708485245705}],"sentiment":"neutral","sentiment_score":-0.040115708485245705,"channel":1,"num_words":2,"start":805.55,"end":805.87},{"sentences":[{"text":"That's","start":805.755,"end":805.98,"sentiment":"neutral","sentiment_score":-0.05565237998962402}],"sentiment":"neutral","sentiment_score":-0.05565237998962402,"channel":0,"num_words":1,"start":805.755,"end":805.98},{"sentences":[{"text":"your account.","start":805.87,"end":806.61,"sentiment":"neutral","sentiment_score":-0.04676106758415699}],"sentiment":"neutral","sentiment_score":-0.04676106758415699,"channel":1,"num_words":2,"start":805.87,"end":806.61},{"sentences":[{"text":"fair.","start":806.13995,"end":806.45996,"sentiment":"neutral","sentiment_score":0.03302723541855812},{"text":"Yes.","start":806.45996,"end":806.95996,"sentiment":"neutral","sentiment_score":0.054817814379930496}],"sentiment":"neutral","sentiment_score":0.04392252489924431,"channel":0,"num_words":2,"start":806.13995,"end":806.95996},{"sentences":[{"text":"With con where it's we'll be at 5 by the end of the week, I think.","start":811.15,"end":814.71497,"sentiment":"neutral","sentiment_score":0.03686879691667855},{"text":"5 k is not not heapsing at the moment.","start":814.71497,"end":819.535,"sentiment":"neutral","sentiment_score":-0.05929345409903261}],"sentiment":"neutral","sentiment_score":0.0022503865510225297,"channel":1,"num_words":25,"start":811.15,"end":819.535},{"sentences":[{"text":"Yep.","start":820.06,"end":820.45996,"sentiment":"neutral","sentiment_score":0.032856933772563934},{"text":"No.","start":820.45996,"end":820.54,"sentiment":"neutral","sentiment_score":0.0020141862332820892},{"text":"That's","start":820.54,"end":820.77997,"sentiment":"neutral","sentiment_score":0.06117990612983704}],"sentiment":"neutral","sentiment_score":0.032017008711894356,"channel":0,"num_words":3,"start":820.06,"end":820.77997},{"sentences":[{"text":"Yep.","start":820.63495,"end":821.13495,"sentiment":"neutral","sentiment_score":0.052320849150419235}],"sentiment":"neutral","sentiment_score":0.052320849150419235,"channel":1,"num_words":1,"start":820.63495,"end":821.13495},{"sentences":[{"text":"fair enough.","start":820.77997,"end":821.18,"sentiment":"neutral","sentiment_score":0.12057683616876602},{"text":"Just just some update on the assets and liabilities there.","start":821.18,"end":824.165,"sentiment":"neutral","sentiment_score":0.08637771755456924},{"text":"And just quickly, so we've got focusing on the business, the mortgage, boost up the super, sort out the insurances, little bit holidays.","start":824.705,"end":835.47,"sentiment":"neutral","sentiment_score":0.14952505477096723},{"text":"Anything else you guys are focusing on the next couple of years I need to factor in as a goal or consideration?","start":835.47,"end":840.69,"sentiment":"neutral","sentiment_score":0.0993241776119579}],"sentiment":"neutral","sentiment_score":0.11805507043997447,"channel":0,"num_words":57,"start":820.77997,"end":840.69},{"sentences":[{"text":"No.","start":841.985,"end":842.385,"sentiment":"neutral","sentiment_score":-0.09504520148038864},{"text":"Just kind of yeah.","start":842.385,"end":843.985,"sentiment":"neutral","sentiment_score":-0.08735137805342674},{"text":"Potentially potentially, if there's extra space to invest, we will, but, yeah, just kind of pending funds coming in.","start":843.985,"end":853.11,"sentiment":"neutral","sentiment_score":-0.046763669503362554},{"text":"Yeah.","start":853.33,"end":853.65,"sentiment":"neutral","sentiment_score":0.12311936914920808},{"text":"Holidays definitely in the plans over the next couple of years, so it's it's one we'll probably try to put a bit more focus into.","start":853.65,"end":862.87,"sentiment":"neutral","sentiment_score":0.18033122658729553}],"sentiment":"neutral","sentiment_score":0.06596879199147225,"channel":1,"num_words":50,"start":841.985,"end":862.87},{"sentences":[{"text":"Yep.","start":863.74,"end":864.24,"sentiment":"neutral","sentiment_score":0.18055343627929688}],"sentiment":"neutral","sentiment_score":0.18055343627929688,"channel":0,"num_words":1,"start":863.74,"end":864.24},{"sentences":[{"text":"Otherwise, generally, the same","start":863.84503,"end":865.385,"sentiment":"neutral","sentiment_score":0.2938324734568596}],"sentiment":"neutral","sentiment_score":0.2938324734568596,"channel":1,"num_words":4,"start":863.84503,"end":865.385},{"sentences":[{"text":"Cool.","start":865.98004,"end":866.22003,"sentiment":"positive","sentiment_score":0.3684442639350891},{"text":"And then one of the things that we're gonna come back to as a fourth","start":866.22003,"end":869.10004,"sentiment":"neutral","sentiment_score":0.27043537696202596}],"sentiment":"neutral","sentiment_score":0.2765609323978424,"channel":0,"num_words":16,"start":865.98004,"end":869.10004},{"sentences":[{"text":"stuff.","start":868.72504,"end":869.22504,"sentiment":"neutral","sentiment_score":0.25790315866470337}],"sentiment":"neutral","sentiment_score":0.25790315866470337,"channel":1,"num_words":1,"start":868.72504,"end":869.22504},{"sentences":[{"text":"priority is basically focus on the mortgage, the holidays, the savings first, and the","start":869.10004,"end":873.82,"sentiment":"neutral","sentiment_score":0.26854380645922254}],"sentiment":"neutral","sentiment_score":0.26854380645922254,"channel":0,"num_words":14,"start":869.10004,"end":873.82},{"sentences":[{"text":"Yep.","start":873.685,"end":874.185,"sentiment":"neutral","sentiment_score":0.17402753233909607}],"sentiment":"neutral","sentiment_score":0.17402753233909607,"channel":1,"num_words":1,"start":873.685,"end":874.185},{"sentences":[{"text":"business.","start":873.82,"end":874.275,"sentiment":"neutral","sentiment_score":0.04685467481613159},{"text":"And then after all that's done, we can come back to personal investing, whether it be for you guys or the children,","start":874.515,"end":880.53503,"sentiment":"neutral","sentiment_score":0.1272241733968258}],"sentiment":"neutral","sentiment_score":0.12372984737157822,"channel":0,"num_words":23,"start":873.82,"end":880.53503},{"sentences":[{"text":"Correct.","start":880.89996,"end":881.39996,"sentiment":"neutral","sentiment_score":0.09893080592155457}],"sentiment":"neutral","sentiment_score":0.09893080592155457,"channel":1,"num_words":1,"start":880.89996,"end":881.39996},{"sentences":[{"text":"but a bit further down the track.","start":880.995,"end":882.695,"sentiment":"neutral","sentiment_score":0.03720041257994516}],"sentiment":"neutral","sentiment_score":0.03720041257994516,"channel":0,"num_words":7,"start":880.995,"end":882.695},{"sentences":[{"text":"Yep.","start":882.82,"end":883.32,"sentiment":"neutral","sentiment_score":0.26768890023231506}],"sentiment":"neutral","sentiment_score":0.26768890023231506,"channel":1,"num_words":1,"start":882.82,"end":883.32},{"sentences":[{"text":"Cool.","start":883.955,"end":884.455,"sentiment":"positive","sentiment_score":0.4645126163959503},{"text":"Alrighty.","start":884.515,"end":885.015,"sentiment":"neutral","sentiment_score":0.2543300986289978},{"text":"Any questions for me","start":885.635,"end":889.9437,"sentiment":"neutral","sentiment_score":0.05095805414021015}],"sentiment":"neutral","sentiment_score":0.1537791552642981,"channel":0,"num_words":6,"start":883.955,"end":889.9437},{"sentences":[{"text":"No.","start":891.3,"end":891.585,"sentiment":"neutral","sentiment_score":-0.006640557199716568},{"text":"No.","start":891.66504,"end":891.905,"sentiment":"neutral","sentiment_score":-0.05634044110774994},{"text":"I think, yeah,","start":891.905,"end":892.54504,"sentiment":"neutral","sentiment_score":0.03326870004336039}],"sentiment":"neutral","sentiment_score":0.007365020364522934,"channel":1,"num_words":5,"start":891.3,"end":892.54504},{"sentences":[{"text":"so","start":892.4475,"end":892.9475,"sentiment":"neutral","sentiment_score":0.12545649707317352}],"sentiment":"neutral","sentiment_score":0.12545649707317352,"channel":0,"num_words":1,"start":892.4475,"end":892.9475},{"sentences":[{"text":"as long as everything's in a good spot, if we feel like we can get a bit more","start":892.54504,"end":895.585,"sentiment":"neutral","sentiment_score":0.24848362555106482}],"sentiment":"neutral","sentiment_score":0.24848362555106482,"channel":1,"num_words":18,"start":892.54504,"end":895.585},{"sentences":[{"text":"far?","start":895.4513,"end":895.9513,"sentiment":"neutral","sentiment_score":0.1512928605079651}],"sentiment":"neutral","sentiment_score":0.1512928605079651,"channel":0,"num_words":1,"start":895.4513,"end":895.9513},{"sentences":[{"text":"value out of whatever whatever, yeah, options are at our disposal, that's my","start":895.585,"end":903.34503,"sentiment":"neutral","sentiment_score":0.19856095371338037}],"sentiment":"neutral","sentiment_score":0.19856095371338037,"channel":1,"num_words":13,"start":895.585,"end":903.34503},{"sentences":[{"text":"Mhmm.","start":903.335,"end":903.835,"sentiment":"neutral","sentiment_score":0.03801468759775162}],"sentiment":"neutral","sentiment_score":0.03801468759775162,"channel":0,"num_words":1,"start":903.335,"end":903.835},{"sentences":[{"text":"kind of main mindset.","start":903.34503,"end":904.81,"sentiment":"neutral","sentiment_score":0.058239204809069633},{"text":"I get what's kind of the reason why we kinda got you guys on our side is to do all the you're lever lifting for us because a lot of the the language and what to look for yeah.","start":904.81,"end":914.91,"sentiment":"neutral","sentiment_score":0.22411240942967245},{"text":"Because I've got no clue, and most of it goes over my head.","start":915.20996,"end":917.69,"sentiment":"neutral","sentiment_score":0.06477585406257556},{"text":"So as long as we're in a good spot, that's my priority.","start":917.69,"end":921.125,"sentiment":"positive","sentiment_score":0.4581954615811507}],"sentiment":"neutral","sentiment_score":0.22520253571736462,"channel":1,"num_words":68,"start":903.34503,"end":921.125},{"sentences":[{"text":"Easy done.","start":921.82996,"end":922.38995,"sentiment":"positive","sentiment_score":0.7410185635089874},{"text":"And I've got all the joint retirement goals that we figured out together in there as well.","start":922.38995,"end":926.895,"sentiment":"positive","sentiment_score":0.5012732516316807}],"sentiment":"positive","sentiment_score":0.5265096002503445,"channel":0,"num_words":19,"start":921.82996,"end":926.895},{"sentences":[{"text":"Yeah.","start":927.185,"end":927.685,"sentiment":"neutral","sentiment_score":0.1805051267147064}],"sentiment":"neutral","sentiment_score":0.1805051267147064,"channel":1,"num_words":1,"start":927.185,"end":927.685},{"sentences":[{"text":"When I get this document finished off, dot the i's cross the t's, I'll add some extra projections in there just so you can see where things are tracking, and then","start":927.435,"end":935.59503,"sentiment":"neutral","sentiment_score":0.15486778823598737}],"sentiment":"neutral","sentiment_score":0.15486778823598737,"channel":0,"num_words":31,"start":927.435,"end":935.59503},{"sentences":[{"text":"Yeah.","start":935.185,"end":935.55,"sentiment":"neutral","sentiment_score":0.11140245944261552}],"sentiment":"neutral","sentiment_score":0.11140245944261552,"channel":1,"num_words":1,"start":935.185,"end":935.55},{"sentences":[{"text":"we can kind of review it down the line as well.","start":935.59503,"end":937.9,"sentiment":"neutral","sentiment_score":0.14200014146891507}],"sentiment":"neutral","sentiment_score":0.14200014146891507,"channel":0,"num_words":11,"start":935.59503,"end":937.9},{"sentences":[{"text":"Yeah.","start":938.26996,"end":938.58997,"sentiment":"neutral","sentiment_score":0.120072603225708},{"text":"No worries.","start":938.58997,"end":939.25,"sentiment":"neutral","sentiment_score":0.20814888924360275}],"sentiment":"neutral","sentiment_score":0.17879012723763785,"channel":1,"num_words":3,"start":938.26996,"end":939.25},{"sentences":[{"text":"Cool.","start":939.56,"end":940.06,"sentiment":"neutral","sentiment_score":0.28639495372772217},{"text":"Just in terms of timing, I'll have that done for you this week, and I do have a bit of time free next week just to run through that document with you, and then I'll do","start":940.2,"end":950.52,"sentiment":"neutral","sentiment_score":0.199101521116164}],"sentiment":"neutral","sentiment_score":0.20146080307863853,"channel":0,"num_words":37,"start":939.56,"end":950.52},{"sentences":[{"text":"Yeah.","start":950.43,"end":950.745,"sentiment":"neutral","sentiment_score":0.0922575742006302}],"sentiment":"neutral","sentiment_score":0.0922575742006302,"channel":1,"num_words":1,"start":950.43,"end":950.745},{"sentences":[{"text":"Daniella separately.","start":950.52,"end":951.5,"sentiment":"neutral","sentiment_score":0.08255910873413086},{"text":"Can I book in to run through that?","start":952.425,"end":954.10504,"sentiment":"neutral","sentiment_score":0.09514694940298796},{"text":"I'll email it to you prior, but is there a good day and time?","start":954.10504,"end":957.48505,"sentiment":"neutral","sentiment_score":0.09387881255575589}],"sentiment":"neutral","sentiment_score":0.09335821618636449,"channel":0,"num_words":24,"start":950.52,"end":957.48505},{"sentences":[{"text":"Yep.","start":958.265,"end":958.345,"sentiment":"neutral","sentiment_score":0.08531024307012558},{"text":"Next week?","start":958.345,"end":959.245,"sentiment":"neutral","sentiment_score":0.06770193763077259}],"sentiment":"neutral","sentiment_score":0.07357137277722359,"channel":1,"num_words":3,"start":958.265,"end":959.245},{"sentences":[{"text":"Yeah.","start":959.78503,"end":960.28503,"sentiment":"neutral","sentiment_score":0.22717928886413577}],"sentiment":"neutral","sentiment_score":0.22717928886413577,"channel":0,"num_words":1,"start":959.78503,"end":960.28503},{"sentences":[{"text":"I'm happy to do the same as as now if that works.","start":962.025,"end":964.74,"sentiment":"positive","sentiment_score":0.4070543920000394}],"sentiment":"positive","sentiment_score":0.4070543920000394,"channel":1,"num_words":12,"start":962.025,"end":964.74},{"sentences":[{"text":"Monday, Avo next week.","start":966.10504,"end":967.8118,"sentiment":"neutral","sentiment_score":0.14930180460214615},{"text":"Perfect.","start":967.8118,"end":968.26776,"sentiment":"positive","sentiment_score":0.4198322892189026},{"text":"Monday,","start":968.26776,"end":968.72363,"sentiment":"neutral","sentiment_score":0.15895143151283264}],"sentiment":"neutral","sentiment_score":0.19599848985671997,"channel":0,"num_words":6,"start":966.10504,"end":968.72363},{"sentences":[{"text":"Yep.","start":968.66,"end":969.16,"sentiment":"neutral","sentiment_score":0.169074147939682}],"sentiment":"neutral","sentiment_score":0.169074147939682,"channel":1,"num_words":1,"start":968.66,"end":969.16},{"sentences":[{"text":"Avo, we'll do 12:00 next week on the August 3.","start":968.72363,"end":974.1946,"sentiment":"neutral","sentiment_score":0.13171399831771852},{"text":"Just","start":974.1946,"end":974.65045,"sentiment":"neutral","sentiment_score":0.1105462834239006}],"sentiment":"neutral","sentiment_score":0.1297896606000987,"channel":0,"num_words":11,"start":968.72363,"end":974.65045},{"sentences":[{"text":"Yep.","start":974.42,"end":974.92,"sentiment":"neutral","sentiment_score":0.0974893793463707}],"sentiment":"neutral","sentiment_score":0.0974893793463707,"channel":1,"num_words":1,"start":974.42,"end":974.92},{"sentences":[{"text":"you","start":974.65045,"end":975.1064,"sentiment":"neutral","sentiment_score":0.0440521314740181}],"sentiment":"neutral","sentiment_score":0.0440521314740181,"channel":0,"num_words":1,"start":974.65045,"end":975.1064},{"sentences":[{"text":"Do","start":974.98,"end":975.14,"sentiment":"neutral","sentiment_score":0.04837559536099434}],"sentiment":"neutral","sentiment_score":0.04837559536099434,"channel":1,"num_words":1,"start":974.98,"end":975.14},{"sentences":[{"text":"is","start":975.1064,"end":975.5623,"sentiment":"neutral","sentiment_score":0.044366203248500824}],"sentiment":"neutral","sentiment_score":0.044366203248500824,"channel":0,"num_words":1,"start":975.1064,"end":975.5623},{"sentences":[{"text":"you need us","start":975.14,"end":975.62,"sentiment":"neutral","sentiment_score":0.051847681403160095}],"sentiment":"neutral","sentiment_score":0.051847681403160095,"channel":1,"num_words":3,"start":975.14,"end":975.62},{"sentences":[{"text":"fine","start":975.5623,"end":976.0182,"sentiment":"neutral","sentiment_score":0.07020371407270432}],"sentiment":"neutral","sentiment_score":0.07020371407270432,"channel":0,"num_words":1,"start":975.5623,"end":976.0182},{"sentences":[{"text":"both or","start":975.62,"end":976.02,"sentiment":"neutral","sentiment_score":0.04972264543175697}],"sentiment":"neutral","sentiment_score":0.04972264543175697,"channel":1,"num_words":2,"start":975.62,"end":976.02},{"sentences":[{"text":"for","start":976.0182,"end":976.4741,"sentiment":"neutral","sentiment_score":0.04846407473087311}],"sentiment":"neutral","sentiment_score":0.04846407473087311,"channel":0,"num_words":1,"start":976.0182,"end":976.4741},{"sentences":[{"text":"just just","start":976.02,"end":976.66,"sentiment":"neutral","sentiment_score":0.07906916365027428}],"sentiment":"neutral","sentiment_score":0.07906916365027428,"channel":1,"num_words":2,"start":976.02,"end":976.66},{"sentences":[{"text":"this","start":976.4741,"end":976.93,"sentiment":"neutral","sentiment_score":0.0934274196624756}],"sentiment":"neutral","sentiment_score":0.0934274196624756,"channel":0,"num_words":1,"start":976.4741,"end":976.93},{"sentences":[{"text":"me is","start":976.66,"end":977.06,"sentiment":"neutral","sentiment_score":0.11338141933083534}],"sentiment":"neutral","sentiment_score":0.11338141933083534,"channel":1,"num_words":2,"start":976.66,"end":977.06},{"sentences":[{"text":"one.","start":976.93,"end":977.3859,"sentiment":"neutral","sentiment_score":0.08426573872566223}],"sentiment":"neutral","sentiment_score":0.08426573872566223,"channel":0,"num_words":1,"start":976.93,"end":977.3859},{"sentences":[{"text":"fine?","start":977.06,"end":977.56,"sentiment":"neutral","sentiment_score":0.07410533726215363}],"sentiment":"neutral","sentiment_score":0.07410533726215363,"channel":1,"num_words":1,"start":977.06,"end":977.56},{"sentences":[{"text":"I'm just finishing off","start":977.3859,"end":979.20953,"sentiment":"neutral","sentiment_score":0.04746631998568773}],"sentiment":"neutral","sentiment_score":0.04746631998568773,"channel":0,"num_words":4,"start":977.3859,"end":979.20953},{"sentences":[{"text":"Yes.","start":978.82,"end":979.32,"sentiment":"neutral","sentiment_score":0.06677541136741638}],"sentiment":"neutral","sentiment_score":0.06677541136741638,"channel":1,"num_words":1,"start":978.82,"end":979.32},{"sentences":[{"text":"a","start":979.20953,"end":979.66547,"sentiment":"neutral","sentiment_score":0.05114679038524628}],"sentiment":"neutral","sentiment_score":0.05114679038524628,"channel":0,"num_words":1,"start":979.20953,"end":979.66547},{"sentences":[{"text":"Yes.","start":979.38,"end":979.7,"sentiment":"neutral","sentiment_score":0.059654925018548965}],"sentiment":"neutral","sentiment_score":0.059654925018548965,"channel":1,"num_words":1,"start":979.38,"end":979.7},{"sentences":[{"text":"few","start":979.66547,"end":980.1214,"sentiment":"neutral","sentiment_score":0.04437021166086197}],"sentiment":"neutral","sentiment_score":0.04437021166086197,"channel":0,"num_words":1,"start":979.66547,"end":980.1214},{"sentences":[{"text":"That's fine.","start":979.7,"end":980.355,"sentiment":"neutral","sentiment_score":0.09768363833427429}],"sentiment":"neutral","sentiment_score":0.09768363833427429,"channel":1,"num_words":2,"start":979.7,"end":980.355},{"sentences":[{"text":"things for Daniella, but I'll do I'll get this out of the way now just so we can get yours up to speed, and then","start":980.1214,"end":986.585,"sentiment":"neutral","sentiment_score":0.15077951684594154}],"sentiment":"neutral","sentiment_score":0.15077951684594154,"channel":0,"num_words":25,"start":980.1214,"end":986.585},{"sentences":[{"text":"Yep.","start":986.435,"end":986.935,"sentiment":"neutral","sentiment_score":0.17274683713912964}],"sentiment":"neutral","sentiment_score":0.17274683713912964,"channel":1,"num_words":1,"start":986.435,"end":986.935},{"sentences":[{"text":"I'll touch base with her afterwards.","start":986.585,"end":988.045,"sentiment":"neutral","sentiment_score":0.2243199348449707}],"sentiment":"neutral","sentiment_score":0.2243199348449707,"channel":0,"num_words":6,"start":986.585,"end":988.045},{"sentences":[{"text":"No worries.","start":989.15497,"end":989.815,"sentiment":"positive","sentiment_score":0.33900922536849976}],"sentiment":"positive","sentiment_score":0.33900922536849976,"channel":1,"num_words":2,"start":989.15497,"end":989.815},{"sentences":[{"text":"Awesome, mate.","start":990.585,"end":991.305,"sentiment":"positive","sentiment_score":0.8358403742313385},{"text":"Thank you so much for your time today.","start":991.305,"end":992.985,"sentiment":"positive","sentiment_score":0.88039231300354},{"text":"I will jump straight into it, and then we'll run through any questions you've got next week on Monday.","start":992.985,"end":998.85095,"sentiment":"positive","sentiment_score":0.49459906000840037}],"sentiment":"positive","sentiment_score":0.6245586687120898,"channel":0,"num_words":29,"start":990.585,"end":998.85095},{"sentences":[{"text":"No worries.","start":999.3,"end":999.69995,"sentiment":"neutral","sentiment_score":0.2858726531267166},{"text":"No.","start":999.69995,"end":999.81995,"sentiment":"neutral","sentiment_score":0.18087512254714969},{"text":"I appreciate that.","start":999.81995,"end":1000.92,"sentiment":"positive","sentiment_score":0.615383525689443}],"sentiment":"positive","sentiment_score":0.433128500978152,"channel":1,"num_words":6,"start":999.3,"end":1000.92},{"sentences":[{"text":"Awesome.","start":1001.0709,"end":1001.47095,"sentiment":"positive","sentiment_score":0.774523138999939},{"text":"Have a great day, Dom.","start":1001.47095,"end":1002.35095,"sentiment":"positive","sentiment_score":0.7880253911018371},{"text":"Cheers.","start":1002.35095,"end":1002.85095,"sentiment":"positive","sentiment_score":0.6821478605270386}],"sentiment":"positive","sentiment_score":0.7709711364337376,"channel":0,"num_words":7,"start":1001.0709,"end":1002.85095},{"sentences":[{"text":"Alright.","start":1002.98,"end":1003.22,"sentiment":"positive","sentiment_score":0.373276561498642},{"text":"Take care.","start":1003.22,"end":1003.69995,"sentiment":"positive","sentiment_score":0.46164751052856445},{"text":"Bye bye.","start":1003.69995,"end":1004.36,"sentiment":"neutral","sentiment_score":0.2157893180847168}],"sentiment":"positive","sentiment_score":0.3456300437450409,"channel":1,"num_words":5,"start":1002.98,"end":1004.36},{"sentences":[{"text":"Bye.","start":1004.35095,"end":1004.85095,"sentiment":"neutral","sentiment_score":-0.11076577752828598}],"sentiment":"neutral","sentiment_score":-0.11076577752828598,"channel":0,"num_words":1,"start":1004.35095,"end":1004.85095}]},"summary":{"result":"success","short":"Representatives from insurance companies speak with Dominic about his contributions and insurance checks, emphasizing the importance of covering both Dominic and his partner in case of emergency. The customer is interested in replacing their current insurance policy and exploring ongoing insurance policies. The agent suggests finding an insurance company that offers both coverage and income protection for under a thousand dollars, and explains the benefits of the policy. They discuss updating income projections and updating mortgage rates, updating mortgage rates, and the importance of focusing on the mortgage, holidays, and savings plans. They also discuss a valuation update and home value estimates, personal investments, and retirement and savings plans for the business. The speaker emphasizes the importance of focusing on the mortgage, holidays, and savings plans, and plans to review documents and discuss further next week."},"intents":{"segments":[{"text":"for the tax return, we've got to do a notice of intent to claim form and basically Okay. saying, hey. You put in 4,500 so far that financial year. We would like to claim it on the tax return.","start_word":308,"end_word":346,"intents":[{"intent":"Claim financial form","confidence_score":0.0027057242}]},{"text":"So I've just factored into the plan, the the SGC that has been coming through from some of the sources of funds. Yep.","start_word":379,"end_word":401,"intents":[{"intent":"Factor in funds","confidence_score":0.36004713}]},{"text":"The I've got an updated portfolio for you as well, which is mixing in a few extra things. I've found a lot cheaper investments, a lot lower fees, a lot better performance for you guys, so I'm gonna mix Yeah. that in for both. Yep.","start_word":412,"end_word":456,"intents":[{"intent":"Mix in extra things","confidence_score":0.15771371}]},{"text":"So what I've done is I've found an insurer who will give you income protection. They were a bit iffy about the occupation because you do a lot of working from home. Yes.","start_word":505,"end_word":537,"intents":[{"intent":"Find insurer","confidence_score":0.52417105}]},{"text":"Normally, it's okay, but they just wanted to check that you do actually see some clients at all, whether you do leave the house to talk to somebody, go check-in with clients, and things like that. Do you know by any chance, you know, when you go do your tax return, claim a bit of travel to go see some clients or anything like that? Yeah.","start_word":538,"end_word":603,"intents":[{"intent":"Schedule visit to see clients","confidence_score":0.00021813475}]},{"text":"So found a beautiful insurer that I'll send through to you in this document as well. Yep.","start_word":621,"end_word":637,"intents":[{"intent":"Send document","confidence_score":0.52345556}]},{"text":"The only thing was I was looking to try and replace the Ali insurance and get the life insurance into the super.","start_word":669,"end_word":690,"intents":[{"intent":"Replace insurance","confidence_score":0.5767735},{"intent":"Resolve insurance issue","confidence_score":0.00036244234}]},{"text":"But I need to I probably need your help in, especially in that kind of insurance space.","start_word":815,"end_word":831,"intents":[{"intent":"Get help in insurance situation","confidence_score":0.000052231553}]},{"text":"Now that I'm kinda working on I've obviously been working for myself for a few years now, but I need to get in a better spot in terms of I'd rather just get the best cover, whatever that is, even if that has to be on my own.","start_word":832,"end_word":879,"intents":[{"intent":"Manage responsibility","confidence_score":0.000009033}]},{"text":"For lack of a a better word, like, if anything happens to me at the moment, then we're we're not supported as well as we we potentially could be. So Yeah.","start_word":1006,"end_word":1036,"intents":[{"intent":"Provide assistance","confidence_score":0.0008234386}]},{"text":"I'd rather kind of if there's a better policy to ensure that we're getting the maximum out of it, and it's it's all coming out of the best places like Super or whatever else, Yep.","start_word":1037,"end_word":1071,"intents":[{"intent":"Ensure safety","confidence_score":0.0001524987}]},{"text":"I'd rather, yeah, us look into that. I hope that's made sense because it's it probably sound like a little ramble, but, yeah, I I don't want us to be constrained by anything. I'd rather just get the best cover. And if that means we need to have an alternate to the alley or us to go off, and we have to sort that out, that's so be it. Yep.","start_word":1072,"end_word":1141,"intents":[{"intent":"Discuss payment options","confidence_score":0.0010562531}]},{"text":"Based on my research so far, like, I've found really good deals when it comes to, like, the life insurance portion of it. It's Yep.","start_word":1150,"end_word":1174,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.121348836}]},{"text":"what I'll do is I'll do up a quote for trauma insurance too to see if it is worth popping off of there. And then Yep.","start_word":1183,"end_word":1208,"intents":[{"intent":"Obtain quote","confidence_score":0.009652426}]},{"text":"When it comes to the income protection, just bear in mind, I think we were quoting it for, like, a a ninety day waiting period, I believe, just to make sure that it's the premiums are low. And if you're out of work for a few months, it'll kick in monthly for quite a while. Yes.","start_word":1227,"end_word":1282,"intents":[{"intent":"Clarify waiting period","confidence_score":0.0189397}]},{"text":"Because it has come to under 1,000, do you want me to look at something more like a thirty day waiting period, or do you still have the the financial backing to to last a couple of months?","start_word":1284,"end_word":1321,"intents":[{"intent":"Discuss options","confidence_score":0.069456644}]},{"text":"if you can maintain that contributions that you're doing now, that changes the the conversation completely, and I can base it off of an affordability metric to say as long as premiums are below, say, 30% of your contributions, we'll consider that as affordable in the projections. Yeah. Yeah.","start_word":1387,"end_word":1435,"intents":[{"intent":"Discuss affordability","confidence_score":0.32104394}]},{"text":"you've obviously seen that in the last couple of months, I've I've kinda got that ongoing installment going in. So, Yep.","start_word":1473,"end_word":1493,"intents":[{"intent":"Discuss installment options","confidence_score":0.0028418151}]},{"text":"Obviously, yeah, I know anything that reduces fees and all that sort of stuff. Yeah.","start_word":1500,"end_word":1514,"intents":[{"intent":"Discuss debt reductions","confidence_score":0.0003293218}]},{"text":"And like I said, I'll get the team to do the forms for the claiming of the contributions. Just make sure that you get the confirmation letter before you submit your tax return. Yeah.","start_word":1543,"end_word":1576,"intents":[{"intent":"Discuss confirmation letter","confidence_score":0.027377447},{"intent":"Discuss forms","confidence_score":0.0070433486},{"intent":"Seek confirmation letter","confidence_score":0.0023430632}]},{"text":"The only other thing when it comes to the Ali insurance is they've been sending through statements to us, but redacting each other's details. So we got one for Daniella, but it's got all of your details redacted. And I'm just wondering if you guys possibly have a statement floating around that you could flick through that's a bit more up to date. That might be helpful.","start_word":1597,"end_word":1663,"intents":[{"intent":"Request statement","confidence_score":0.6158547}]},{"text":"So what do you need from me? Just a statement or a certificate Yep. of currency or an anniversary notice, whatever they've emailed through. Yeah. Okay.","start_word":1748,"end_word":1773,"intents":[{"intent":"Provide information","confidence_score":0.018458765},{"intent":"Verify payment","confidence_score":0.0014268815}]},{"text":"I can go off that as a revenue because, obviously, the you know, getting SGC from all of those sources of income, so I'll just base it on what's coming into the account plus the thousand a month. And Yeah. I'll just put that as an income estimate gross for the time being. Yeah.","start_word":1941,"end_word":1994,"intents":[{"intent":"Calculate income estimates","confidence_score":0.029302608}]},{"text":"We can always adjust it, but I'll apply for that for now because anything below that, it's almost more expensive than just going for the round figure. Okay.","start_word":2238,"end_word":2265,"intents":[{"intent":"Adjust insurance","confidence_score":0.026972815}]},{"text":"decrease, easy done. It's just literally a quote or a letter. But if you increase cover, you gotta go through, like, underwriting medical questions, all that kind of thing. Okay.","start_word":2269,"end_word":2298,"intents":[{"intent":"Reduce cover","confidence_score":0.049983278}]},{"text":"Outside of that, I just had a bit of shares, bit of offset. I think you guys had about $20 in offset last time I spoke to you. Yeah.","start_word":2339,"end_word":2367,"intents":[{"intent":"Pay bills","confidence_score":0.009762628}]},{"text":"gonna add That's your account. fair.","start_word":2379,"end_word":2384,"intents":[{"intent":"Update accounts","confidence_score":0.0314941}]},{"text":"Just just some update on the assets and liabilities there. And just quickly, so we've got focusing on the business, the mortgage, boost up the super, sort out the insurances, little bit holidays. Anything else you guys are focusing on the next couple of years I need to factor in as a goal or consideration?","start_word":2417,"end_word":2471,"intents":[{"intent":"Update assets","confidence_score":0.028971696}]},{"text":"And just quickly, so we've got focusing on the business, the mortgage, boost up the super, sort out the insurances, little bit holidays.","start_word":2427,"end_word":2449,"intents":[{"intent":"Sort out insurances","confidence_score":0.12918182}]},{"text":"priority is basically focus on the mortgage, the holidays, the savings first, and the Yep. business.","start_word":2544,"end_word":2559,"intents":[{"intent":"Focus on mortgage","confidence_score":0.4788824}]},{"text":"Just in terms of timing, I'll have that done for you this week, and I do have a bit of time free next week just to run through that document with you, and then I'll do Yeah. Daniella separately. Can I book in to run through that? I'll email it to you prior, but is there a good day and time?","start_word":2771,"end_word":2831,"intents":[{"intent":"Schedule meeting","confidence_score":0.23448431}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Dominic. Tommy here from. How are you doing? Good. And yourself? I'm living the At dream 11:00. so far. The sun's out. It's not too cool. How about your end?","start_word":0,"end_word":32,"sentiment":"neutral","sentiment_score":0.13771966099739075},{"text":"Good. Good.","start_word":33,"end_word":34,"sentiment":"positive","sentiment_score":0.4082633852958679},{"text":"And I think it says sunny and warm down here, but can't complain, mate. Getting by, mate. Getting by. That's it. That's it. How's your day, Minar? Yeah.","start_word":35,"end_word":62,"sentiment":"neutral","sentiment_score":0.24783891439437863},{"text":"Pretty good. Pretty good. It's Monday's always great. Nice and early on top of things.","start_word":63,"end_word":77,"sentiment":"positive","sentiment_score":0.6586281657218933},{"text":"Yeah. I had a few things that I wanted to run through with you today. I've got a bit of an updated strategy to send through. Yep. Quite a beautiful few things that we're doing, but couple of checks I wanted to do before I send it through to you, if that's alright.","start_word":78,"end_word":130,"sentiment":"neutral","sentiment_score":0.1376315802335739},{"text":"Perfect. Perfect.","start_word":131,"end_word":132,"sentiment":"positive","sentiment_score":0.39577633142471313},{"text":"So I'm just gonna do a quick security check with you. I'll run through what I'm thinking, and then just let me know if there's anything else I need to cover. Yep. So can you just confirm date of birth and address for security for me, please? 8 Inch Of Marsh 90946 Admirals Crescent, Tyler's Lights. Sensational. And I'm a registered with adviser one two seven three one zero five. Yep. Mate, first part I wanted to start with was just going through contributions. We ran a report for all clients, and we've got some contributions you've been making into the old server. And I just wanna check with you if you needed any assistance in the paperwork to claim it for the tax return. Yeah. Super contributions? Yes. I don't know. I don't I I assume it's all is it not automated? No. So you've been putting in, I think, a thousand dollars a month Yep. into the super. So what happens Yep. is it goes in as a personal contribution. And Yep. for the tax return, we've got to do a notice of intent to claim form and basically Okay. saying, hey. You put in 4,500 so far that financial year. We would like to claim it on the tax return. Yes. Can we do that, please? Absolutely. You haven't done your tax return yet, have you? No.","start_word":133,"end_word":362,"sentiment":"neutral","sentiment_score":0.02472816305639951},{"text":"Perfect. I will get Michelle and the team onto that today for you. Perfect. Easy done.","start_word":363,"end_word":378,"sentiment":"positive","sentiment_score":0.5117087960243225},{"text":"So I've just factored into the plan, the the SGC that has been coming through from some of the sources of funds. Yep. Mostly, it's a thousand dollars a month.","start_word":379,"end_word":408,"sentiment":"neutral","sentiment_score":0.12598232924938202},{"text":"That's great. Yep. The I've got an updated portfolio for you as well, which is mixing in a few extra things. I've found a lot cheaper investments, a lot lower fees, a lot better performance for you guys, so I'm gonna mix Yeah. that in for both.","start_word":409,"end_word":455,"sentiment":"positive","sentiment_score":0.5055268406867981},{"text":"Yep. And the other thing was just when it comes to the old insurance checks. So the Ali insurance that you've Yep. got, that's technically for, like, life insurance, trauma insurance for, like, heart attack, stroke, and cancer, and it's a joint policy for both of you guys. Yep. So what I've done is I've found an insurer who will give you income protection. They were a bit iffy about the occupation because you do a lot of working from home. Yes. Normally, it's okay, but they just wanted to check that you do actually see some clients at all, whether you do leave the house to talk to somebody, go check-in with clients, and things like that. Do you know by any chance, you know, when you go do your tax return, claim a bit of travel to go see some clients or anything like that? Yeah. Definitely claim travel and and definitely out to see clients Perfect. on a weekly basis.","start_word":456,"end_word":618,"sentiment":"neutral","sentiment_score":0.062003519386053085},{"text":"Easy done. So found a beautiful insurer that I'll send through to you in this document as well.","start_word":619,"end_word":636,"sentiment":"positive","sentiment_score":0.4485621750354767},{"text":"Yep. They are offering life, TPD, and income protection for under a thousand bucks for all three.","start_word":637,"end_word":653,"sentiment":"neutral","sentiment_score":0.2634507062680581},{"text":"Okay. So that one's looking really good.","start_word":654,"end_word":660,"sentiment":"positive","sentiment_score":0.7217647433280945},{"text":"Just needed to check that with you. Yeah. The only thing was I was looking to try and replace the Ali insurance and get the life insurance into the super. But just because it's a joint policy and you've got that trauma benefit there, I was just lumping the life and disability Yes. on top inside the super because I didn't wanna say, hey. You go cancel your portion, and Danielle is on there as well. Just wanted to actually run that by you guys to make sure, one, still wanna keep that one in place for the trauma cover and everything, and if you're Yep. okay for me to kind of add a bit extra on through Yep. So I've got I yeah. I've been meaning to and it's my fault because I keep putting the conversation off just because I've been super. busy and just haven't got my mindset across it yet. But I need to I probably need your help in, especially in that kind of insurance space. Now that I'm kinda working on I've obviously been working for myself for a few years now, but I need to get in a better spot in terms of I'd rather just get the best cover, whatever that is, even if that has to be on my own. I know that at the Yeah. at the at the start, I was kind of I wanted to in my head, just wanted to make sure we're both in the best position we could be and if that would meant us being on the same policy. In my head, I thought that might have been the best way to go about it. But if it's not and it's better off or it's more beneficial for me to be on my own because there's there's additional benefit because I'm working for myself or whatever, I I just I need to cover myself as best as I can given Yeah. I'm the I'm making I'm I'm kind of the financial sort of The breadwinner, so to speak. yeah.","start_word":661,"end_word":1005,"sentiment":"neutral","sentiment_score":-0.06906411450194276},{"text":"For lack of a a better word, like, if anything happens to me at the moment, then we're we're not supported as well as we we potentially could be.","start_word":1006,"end_word":1034,"sentiment":"negative","sentiment_score":-0.5303443074226379},{"text":"So Yeah. I'd rather kind of if there's a better policy to ensure that we're getting the maximum out of it, and it's it's all coming out of the best places like Super or whatever else, Yep. I'd rather, yeah, us look into that. I hope that's made sense because it's it probably sound like a little ramble, but, yeah, I I don't want us to be constrained by anything. I'd rather just get the best cover. And if that means we need to have an alternate to the alley or us to go off, and we have to sort that out, that's so be it. Yep. No. It makes perfect sense Yep. to me.","start_word":1035,"end_word":1149,"sentiment":"neutral","sentiment_score":0.03110717236995697},{"text":"Based on my research so far, like, I've found really good deals when it comes to, like, the life insurance portion of it.","start_word":1150,"end_word":1172,"sentiment":"positive","sentiment_score":0.3830814063549042},{"text":"It's Yep. really just trauma side of things. So Yep. what I'll do is I'll do up a quote for trauma insurance too to see if it is worth popping off of there. And then Yep. if not, you may wanna keep it, but I'll just get the other covers through the super. Okay. When it comes to the income protection, just bear in mind, I think we were quoting it for, like, a a ninety day waiting period, I believe, just to make sure that it's the premiums are low. And if you're out of work for a few months, it'll kick in monthly for quite a while. Yes. Because it has come to under 1,000, do you want me to look at something more like a thirty day waiting period, or do you still have the the financial backing to to last a couple of months?","start_word":1173,"end_word":1320,"sentiment":"neutral","sentiment_score":0.073783352543172},{"text":"I'm I'm sure we could, but anything again, anything if it means you get the money quicker if we ever needed to, I'm, yeah, happy to explore it. Yep. Easy done.","start_word":1321,"end_word":1351,"sentiment":"positive","sentiment_score":0.4454085230827331},{"text":"And the my hesitancy initially was because of the you don't have contributions coming in from all the different sources of income. I Yeah. didn't want too much premiums dragging the super backwards. But Okay. if you can maintain that contributions that you're doing now, that changes the the conversation completely, and I can base it off of an affordability metric to say as long as premiums are below, say, 30% of your contributions, we'll consider that as affordable in the projections. Yeah. Yeah. I I I've again, I've been waiting to kind of get some stability in my income to ensure that I could get some kind of ongoing super happening per month from my end, and and and Mhmm. you've obviously seen that in the last couple of months, I've I've kinda got that ongoing installment going in. So, Yep. yeah, whatever that means, that's fine. Obviously, yeah, I know anything that reduces fees and all that sort of stuff. Yeah. Mhmm. Just the more money coming in, the better. Whatever that looks like. Yep.","start_word":1352,"end_word":1528,"sentiment":"neutral","sentiment_score":0.14960314333438873},{"text":"Absolutely.","start_word":1529,"end_word":1529,"sentiment":"positive","sentiment_score":0.4345109462738037},{"text":"So I'll keep an eye on that, and I'll put that together. Yep. And like I said, I'll get the team to do the forms for the claiming of the contributions. Just make sure that you get the confirmation letter before you submit your tax return. Yeah. No worries.","start_word":1530,"end_word":1578,"sentiment":"neutral","sentiment_score":0.17326952517032623},{"text":"Otherwise, they they lock you out.","start_word":1579,"end_word":1584,"sentiment":"negative","sentiment_score":-0.38571038842201233},{"text":"That's all. Yep. That's okay.","start_word":1585,"end_word":1589,"sentiment":"neutral","sentiment_score":0.09903902560472488},{"text":"Cool.","start_word":1590,"end_word":1590,"sentiment":"positive","sentiment_score":0.4498973488807678},{"text":"So I'll sort that out. The only other thing when it comes to the Ali insurance is they've been sending through statements to us, but redacting each other's details. So we got one for Daniella, but it's got all of your details redacted. And I'm just wondering if you guys possibly have a statement floating around that you could flick through that's a bit more up to date. That might be helpful. I'll have to find it. Cool. Why would What I what do that? we'll do, if we do an authority on, like, Danielle of her details, they redact Yes. yours. So it's not like a joint authority. So we're gonna do, like, a separate one for you, one for her, and they just keep blacking out half the info. Yep. If you've got one, that's the quickest. If not, we'll do an authority for yours, and it's just to get the updated premiums, really. Yeah. So what do you need from me? Just a statement or a certificate Yep. of currency or an anniversary notice, whatever they've emailed through. Yeah. Okay. I'll get that notice of intent to claim form done Yeah. and then send you through the details. You can just reply to that.","start_word":1591,"end_word":1797,"sentiment":"neutral","sentiment_score":0.000877543235566593},{"text":"Oh, perfect. No worries. That way, it's all all in one spot for you.","start_word":1798,"end_word":1811,"sentiment":"positive","sentiment_score":0.51096111536026},{"text":"Yeah. Outside of that, quick double check on details, make sure it hasn't changed too much.","start_word":1812,"end_word":1827,"sentiment":"neutral","sentiment_score":0.14418978989124298},{"text":"So we're obviously doing the same kind of work, which is great.","start_word":1828,"end_word":1839,"sentiment":"positive","sentiment_score":0.5766960978507996},{"text":"Do you know how you finished up for the financial year income wise overall? I I before tax? Yeah. Just a gross amount. I think we was thinking somewhere between I'm speaking. $70.80. I think before tax, that would have been last year. If I'm looking at my QuickBooks, it's telling me that I'm I that about a 150 came in. So Yeah. I don't know what ends up working out to once expenses and whatever's taken out of. And Yeah. I don't know if I'm looking at the right numbers, but I'm pretty sure that's that's right. No. That's fine. I can go off that as a revenue because, obviously, the you know, getting SGC from all of those sources of income, so I'll just base it on what's coming into the account plus the thousand a month. And Yeah. I'll just put that as an income estimate gross for the time being. Yeah. No worries.","start_word":1840,"end_word":1996,"sentiment":"neutral","sentiment_score":0.02257143803367949},{"text":"Fantastic.","start_word":1997,"end_word":1997,"sentiment":"positive","sentiment_score":0.5499951243400574},{"text":"Outside of that, the mortgage, has it dropped down below 300? Yes.","start_word":1998,"end_word":2009,"sentiment":"neutral","sentiment_score":0.06954921036958694},{"text":"Perfect.","start_word":2010,"end_word":2010,"sentiment":"positive","sentiment_score":0.4138738811016083},{"text":"How far down do you reckon? What's a bit of an estimate? Let me get it up. And while you're doing that, I'm just gonna do a quick valuation update. So 2, I think, 2819. So 282, let's say. 282. Perfect. Yeah. And home value, I'm I'm assuming you've benefited from the last twelve months crested above a mil now. I assume so. I I hope we haven't had it officially evaluated, but most of the houses around here are selling 1 mil plus. Yep. Yep. I'll put 1,000,000 for now. It's not gonna Yeah. make too much of a difference. And just for, like, the the life and disability cover, so there's $470,000 through Ali. I was just gonna do a flat 500,000 of both because you get some volume discounts once you click 500. Is Okay. that okay for life and total disability lump sum? So that would mean in the case that I couldn't work through disability or some whatever whatever else that you get 500,000 upfront. Yeah. So if you pass away or can never work again, there's 0.5 a mil. Pay Yep. off the mortgage, couple of $100 left over, and then you've got your income protection kicking in for that monthly That's replacement. clean. Okay. And that would be ongoing as well. Yeah. Yeah. I I guess so. Yeah. Cool. We can always adjust it, but I'll apply for that for now because anything below that, it's almost more expensive than just going for the round figure. Okay. And anytime you Yes. decrease, easy done. It's just literally a quote or a letter. But if you increase cover, you gotta go through, like, underwriting medical questions, all that kind of thing. Okay.","start_word":2011,"end_word":2298,"sentiment":"neutral","sentiment_score":0.03048893905037807},{"text":"So rather just give you a bit of a buffer, do it once, should let you be pretty comfortable for a while.","start_word":2299,"end_word":2320,"sentiment":"positive","sentiment_score":0.3948673307895661},{"text":"And then if we adjust it, it won't be for a few years' time. Yep. No worries.","start_word":2321,"end_word":2337,"sentiment":"neutral","sentiment_score":0.17970329523086548},{"text":"Perfect.","start_word":2338,"end_word":2338,"sentiment":"positive","sentiment_score":0.5325943231582642},{"text":"Outside of that, I just had a bit of shares, bit of offset. I think you guys had about $20 in offset last time I spoke to you. Yeah. Probably not as much this time around, I think. He's No. gonna add That's your account. fair. Yes. With con where it's we'll be at 5 by the end of the week, I think. 5 k is not not heapsing at the moment. Yep. No. That's Yep. fair enough. Just just some update on the assets and liabilities there. And just quickly, so we've got focusing on the business, the mortgage, boost up the super, sort out the insurances, little bit holidays. Anything else you guys are focusing on the next couple of years I need to factor in as a goal or consideration? No. Just kind of yeah. Potentially potentially, if there's extra space to invest, we will, but, yeah, just kind of pending funds coming in. Yeah. Holidays definitely in the plans over the next couple of years, so it's it's one we'll probably try to put a bit more focus into. Yep. Otherwise, generally, the same Cool. And then one of the things that we're gonna come back to as a fourth stuff. priority is basically focus on the mortgage, the holidays, the savings first, and the Yep. business. And then after all that's done, we can come back to personal investing, whether it be for you guys or the children, Correct. but a bit further down the track. Yep.","start_word":2339,"end_word":2590,"sentiment":"neutral","sentiment_score":0.09330781345211324},{"text":"Cool.","start_word":2591,"end_word":2591,"sentiment":"positive","sentiment_score":0.4645126163959503},{"text":"Alrighty. Any questions for me No. No. I think, yeah, so as long as everything's in a good spot, if we feel like we can get a bit more far? value out of whatever whatever, yeah, options are at our disposal, that's my Mhmm. kind of main mindset. I get what's kind of the reason why we kinda got you guys on our side is to do all the you're lever lifting for us because a lot of the the language and what to look for yeah. Because I've got no clue, and most of it goes over my head.","start_word":2592,"end_word":2691,"sentiment":"neutral","sentiment_score":0.17306140065193176},{"text":"So as long as we're in a good spot, that's my priority. Easy done. And I've got all the joint retirement goals that we figured out together in there as well.","start_word":2692,"end_word":2722,"sentiment":"positive","sentiment_score":0.5113584995269775},{"text":"Yeah. When I get this document finished off, dot the i's cross the t's, I'll add some extra projections in there just so you can see where things are tracking, and then Yeah. we can kind of review it down the line as well. Yeah. No worries. Cool. Just in terms of timing, I'll have that done for you this week, and I do have a bit of time free next week just to run through that document with you, and then I'll do Yeah. Daniella separately. Can I book in to run through that? I'll email it to you prior, but is there a good day and time? Yep. Next week? Yeah.","start_word":2723,"end_word":2835,"sentiment":"neutral","sentiment_score":0.15073758363723755},{"text":"I'm happy to do the same as as now if that works.","start_word":2836,"end_word":2847,"sentiment":"positive","sentiment_score":0.3908034861087799},{"text":"Monday, Avo next week.","start_word":2848,"end_word":2851,"sentiment":"neutral","sentiment_score":0.1487795114517212},{"text":"Perfect.","start_word":2852,"end_word":2852,"sentiment":"positive","sentiment_score":0.4198322892189026},{"text":"Monday, Yep. Avo, we'll do 12:00 next week on the August 3. Just Yep. you Do is you need us fine both or for just just this me is one. fine? I'm just finishing off Yes. a Yes. few That's fine. things for Daniella, but I'll do I'll get this out of the way now just so we can get yours up to speed, and then Yep. I'll touch base with her afterwards.","start_word":2853,"end_word":2925,"sentiment":"neutral","sentiment_score":0.12604979415462442},{"text":"No worries. Awesome, mate. Thank you so much for your time today. I will jump straight into it, and then we'll run through any questions you've got next week on Monday.","start_word":2926,"end_word":2956,"sentiment":"positive","sentiment_score":0.6033501029014587},{"text":"No worries. No.","start_word":2957,"end_word":2959,"sentiment":"neutral","sentiment_score":0.24446116387844088},{"text":"I appreciate that. Awesome. Have a great day, Dom. Cheers. Alright. Take care.","start_word":2960,"end_word":2972,"sentiment":"positive","sentiment_score":0.6404210329055786},{"text":"Bye bye. Bye.","start_word":2973,"end_word":2975,"sentiment":"neutral","sentiment_score":0.20319080352783203}],"average":{"sentiment":"neutral","sentiment_score":0.10124814129466948}}}}