{"metadata":{"transaction_key":"deprecated","request_id":"01a017c5-fcad-7782-9de3-c9d79c733785","sha256":"8fb1df77f2b756d964e63e63d423018928c7f22899a0ae9868d9de01e43e45dc","created":"2026-08-19T02:07:28.600Z","duration":1931.544,"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":6686,"output_tokens":103},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7227,"output_tokens":7241},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7227,"output_tokens":390}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Malcolm. This is Dana from Oakview Financial. How are you today? That's good. I had you booked in to go through your annual review. Is now still a good time there for you? Yeah. Oh, good. I'm so sorry. Did you need a second to I do apologize. Oh, good. Fantastic. Before we jump into the call then, Malcolm, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fan fantastic. And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Legend. Thank you so much for that. Malcolm, as part of your annual review, we do normally send through some documents to you so you can look at them as I'm going through things. Are you able to look at your emails? If you can't, that's okay. Yeah. You're right. I'm just gonna press send on this one and send it to you there now. Beautiful. How's your day been so far? Yeah. I mean, quiet. It's probably not a bad thing sometimes. Alright. Perfect. I've sent that one through to you there. Now it should come through from Odoo sign, or it should have my name and email there. So dana@opfinancial. Got it. Oh, fantastic. Excellent. So when you open it up, you just press the little sign button so it takes you through so you can review the documents there. But I'll never ask you to sign them until you're happy and that you've gone through them. I'll make sure you go through them first. Okay? Excellent. Now the first document you should see there is a summary of superannuation and insurances as of the August 19 there. So it does have an updated balance, your balance in super. And when I look back to the last annual review you completed with us, essentially, your balance then was sitting at 93,504 and 57¢. Your balance is now up to over a 103,422 and 6¢ there. So we have seen a bit of an increase within your super, which is good to see. Yeah. The next page, if you click the next button or it should be a little button at the top that allows you to go to the next document, you have the asset performance detail report there. That's your portfolio report for your Netwealth Superfund. Can you see that one? Yeah. Fantastic. So with this one here, it is showing you on the second page how your portfolio has performed. Now this year, there has been a lot of ups and downs in the market with everything that's been going on, especially with The US and the Iran war. But then here in Australia, we've also had high inflationary rates there. Your portfolio has essentially shown it has a positive return, net of fees. So after all fees have been taken into account, you've made 5.28%. So it is a little bit little bit lower of a return than what we would like to see for the high growth environment, but it is understandable that some years we do get those lower returns with the market ups and downs and the volatility that we have certainly seen, but you have come out with a positive return. The other thing I wanted to show you was if you go to the first page of that document there and you look at the sorry. The side of this the on my side is the left hand side of the document. You'll see you've got cash, alternative investments, and Australian equities as the blue heading. Can you see those headings there? Yeah. The first page of the asset performance detail report. Yeah. That's okay. That's the one? Beautiful. So you've got three different investments noted there. One of them is the Bennelong Australian Equities Fund. The other is the BetaShares Australian 200 ETF, and then you've also got the BetaShares Raffi Australia 200 ETF there as well. Essentially, with the Bana Long one, if you look at the very last column, you actually see that we have sold that one completely out. So that investment was also underperforming within your super over the last few months there. So as soon as we did notice that early this year, we had removed that from your portfolio. We had originally sent a record of advice to you in email back in March. Do you remember seeing that email there at all? That's okay. Life gets very busy. It's honestly not a problem. That's why I wanted to make sure I brought it up with you. It's all good. We sent that email back in March to let you know we had been looking at the investments and had noticed that this was an underperforming fund, so we wanted to remove that out of your portfolio. It is important that we review portfolios regularly because investors that worked a couple of years ago might not be working now, and different investments need to be switched out and changed as you work towards your long term goals of retirement there. So we actually removed the Benelon Australian Equities, and we replaced it with the BetaShares a 200. One of the biggest chain reasons for making the change were partly because of the underperformance of Bennelong. But Bennelong is more of an actively managed fund, and the fund manager hasn't been able to outperform against the market. So it's not been doing very well. Bennelong also generally holds between 15 to 25 different companies within that investment option. So we've replaced it with the BetaShares a 200, which is giving you exposure to the top 200 companies on the ASX. So that is essentially tracking the top 200 companies. So it's helping to lower the risk level of your portfolio and providing greater diversification. So diversification is making sure you're spreading your risk level across lots of different companies, different industries, and different asset classes as well as different countries there as well. So it has worked out really well. And since we made that change in the last three months, we have seen a 6% return net of fees for your portfolio in that three month period there. So it has definitely been working. Your portfolio has recovered from that, and it's about building on that moving forward there for you. Do you have any questions about any of that thus far? No? Yeah. Fantastic. Excellent. So, look, it has I wanna keep sort of monitoring things there for you because we have just made this change to your portfolio. Depending on how the rest of the review goes, I definitely wanna maybe catch up in about six months with you just to see how things are tracking and look at whether we need to update any advice then for you and maybe update the portfolio as well. Does that sound okay? Yeah. Fantastic. Excellent. Excellent. Then on the first page, which had your summary of superannuation and insurances, I'm just referring to the insurance side of things there now. So you do also have your Zurich insurance policy, which is paid from your super fund. Your life cover that you're covered for at the moment has a benefit of 378,034. So if we think about the theoretical side around the life cover, if you were to, say, pass away today, your your partner, I believe, we've got Eileen as your beneficiary there. She could receive your life benefit of 378,000, but then also your super is paid out on top of that, so the extra 103,000 there. I'll just add it all together for you to give you a total. Three, four. It's worth that to be between the two. About 481,456 that could be paid out as a life benefit. Between your life insurance and your sleeper, does that feel comfortable for you? Did you wanna review that amount, or what's your thought? That's okay? Beautiful. Excellent. And you've also got some total permanent disability cover, so TPD. Do you understand how TPD insurance works and what that is and how it pays? No. That's okay. So TPD can pay out a lump sum benefit or an income stream in the event that you're diagnosed with a major disability. So say, for example, you can never go back to work again for any occupation for which you're, you know, essentially educated or trained. I'm also just pulling up to make sure that you have that correct definition of your TBD there. Sorry. One second. Do love technology when it wants to work for us. It's taking a second to open up properly. So with your TBD definition, yeah. It looks like it is an any occupation, but I'll go back and double. Yeah. It looks okay. So, realistically, TBD compared that lump sum benefit if you're, you know, diagnosed with a major traumatic condition. They compared a lump sum benefit or an income stream. If you are, say, fully disabled and not able to ever go back to work again for any reason, TPD you can also release your super. So you you're covered for the same amount of TPD as you are alive. The benefit is 378,034, and then you've also got your super benefit that can be paid out on top of that as well. One of the big things I do like to kind of bring up and just make sure people are aware is that if you are TBD'd, never able to go back to work again, unfortunately, the benefit is taxed. So you could pay if you take the full lump sum, you could pay tax on that benefit amount of up to 22%, which is horrible and should not be a thing. But looking at that benefit amount, are you fairly comfortable with the level of TBD you have? Do you think you would need to maybe have more cover, or what's your thoughts? If you have more questions, you're welcome to let me know, and we can talk it through. Yeah. It's kinda hard to work out, you know, what level you realistically need because we're getting insurances to protect us in the event that something was to happen. But if you think about the level of cover you have, not factoring in the tax side of things, but if you were to claim on that with the total benefit now your income I have here is about 120,000. Is that right? Yep. Beautiful. And you're renting where you are. Is that correct? Yeah. So if we sort of look at income replacement based on the benefit you have at the moment, and if we divide that by your current income, it would replace income for about four years. Admittedly, it's not a lot, but does your wife work would she also be able to earn income to help supplement you? Okay. So it's just yourself. So, realistically, if you are having to draw that income of a $120,000 per year for expenses, your TPD benefit would last about four years. If for any reason you could sort of last on a little bit less, say, if you're not working and the expenses are a little bit lower, you might be able to essentially live on a smaller income amount. So, say, that divided by, say, $60,000 a year, and that would mean that the benefit total could last about eight years wholly after that point. It'd be about whether you could go back to work, whether or not you could, you know, claim on Centrelink and things like that. You also do have income protection, so you can be on an income protection benefit if that's a possibility that time as well. Does that make sense? Yeah. Did you wanna review the TBD cover, or you're happy with that level for time being, or do you have more questions? If you do, you're welcome to let me know. Yeah. That's that's yeah. That's absolutely fine. If you like, Malcolm, what I could do after the call is I could send you a little bit of an email breakdown noting a little bit about the life keeping in income protection policies, what they pay, how they cover, and notice a bit about your cover that you have. That way, if you do find you wanna review that or have additional questions, you can let me know. I know going through the review, it is hard to think about what level you might need, and it is a lot to go through the insurance information. So you might find later you have additional questions. Does that sound okay? Yeah. Beautiful. Now you do also have the income protection benefit here. It currently has a monthly pay benefit payable pretax of nine sorry. 4,977. If you were off work due to illness or injury, do you feel like that's appropriate? Do you feel like you would need to sort of reassess that at all? 7,000. No. That's okay. Looking at your current income based on a 120,000, you are slightly underinsured for income protection. You can always look to increase that to 70%, which is the maximum you can be covered for. But if you feel like that's an appropriate amount, you're comfortable just leaving it as is for the time being. Is that right? Yep. That's okay. You've also got a thirty day waiting period, so it just means you need to be off work for thirty days prior to making a claim and a five year benefit. So you just need to be you can be on a claim for up to five years in the event of an income protection claim. Is that yeah. Do you have any questions at all so far? No. That's okay. All good. Do you have much in the way of sick leave, annual leave, long service leave, other things that you can sort of fall back on at work as well if you're unable to go to work in a shorter term? Long service? Yeah. Yeah. Beautiful. So you're one of those. You're never sick. You go to work, and you bank it all up. Beautiful. Well, thank you so much for clarifying that. As I said, I'll send you an email after the call just clarifying the information around the insurance side of things, and you're welcome to come back and let me know if there are any questions that you have or if you and your wife discover that you might wanna review those levels of cover. Okay? Excellent. Beautiful. Now I do have to let you know there are other types of insurances depending on your depending on your circumstances, sorry, that you, you know, may like to look at in the future. You can also get trauma, which pays out a lump sum tax free benefit if you, say, have a heart attack or a stroke or certain neurological conditions. Cancer's probably a big one. And do you have children? I believe you've got a couple of kids. Five children. Wow. How old are they? Wow. Yeah. Wow. They're all grown up. No. Fantastic. Did you wanna look at any additional kind of insurances outside of what you've got to cover you for any gaps in your risk, or you're happy just with the the insurances you've that we've gone through that you currently have? Yep. That's okay. Not a problem at all. Fantastic. We've kinda gone through most things. The only other things attached to that email are the sorry. The certificates of currency, which outline a little bit more around the types of cover that you have, the levels of cover that you have with Zurich there as well. These do go through a renewal every year. They do get more expensive over time, but they do also grow in value. So they are indexed along with CPIs. So the level of cover you have does increase over time, but the premiums do also increase. So we just wanna review those with with you on a regular basis. And if I kinda go back and find us anything that kinda flags the need to bring forward to you, I'll make sure we come back and have that conversation. Okay? Excellent. We've also got the the financial services guide attached with Outline. Everything about who we are, what we do, how we do it, has a lovely glossy photo of me in there, and all of my licensing information as a licensed adviser for you as well. Okay? We also do have attached the ongoing service agreement. So to keep us as your servicing adviser and keep us looking after your suit for the insurances and helping you provide advice long term to meet your goals, we do charge an ongoing service fee for doing so. Our ongoing service fee is now a tiered structure, so it starts at 1.65% per annum as it has. And once your balance sets over 200,000, then you drop into the lower tier and the fee drops down to 1.375. So it works in a bit of a tiered structure. The newer ongoing service agreements actually outline your fee as a dollar figure instead of just an estimate so that it's giving you more certainty around how much you're likely to pay for our service. So because your balance is still essentially sitting at the 1.65%, we estimate it to be about $1,700 for the year there. And to keep us as your adviser and keep looking after your super and monitoring things and helping you moving forward, I do ask that you sign and return that back after the call for me. Do you have any questions about the fee structure or anything there at all that's come to mind? No. That's okay. All good. The only last sort of things to run through is just to make sure that your circumstances look at see if there's any major changes there at all. You've confirmed your income's about 120,000 for the year. Is that still correct? Yep. Beautiful. Are you due for a pay rise soon at all? Fantastic. Well, cross your fingers. You get a nice one. Fantastic. Excellent. Are you yourself and Eileen managing to sort of save much on a weekly or monthly basis out of your income, or are you finding all of your income is going towards the expenses of the household? How do you sort of find things at the moment? Oh, fantastic. Yeah. Beautiful. Are you putting a set amount away every week to sort of help with that, or is it just whatever you have available at the end of the week? Okay. Beautiful. Do you have much in savings at the moment? Yeah. Yeah. Oh, no. So you're having to try and find something else for the time being. Oh, oh, I see your wife is house hunting currently. Poor soul. Have you found anything that you like that you're sort of looking to move into for the time being? Yep. Yeah. Yeah. Absolutely. And so that sort of means that some of your savings you've got there for your home deposit will probably have to go towards, like, rental expenses and moving expenses for the time being. Yeah. Yeah. Well, I'm so sorry to hear that, but, hopefully, your new home is a little bit nicer, and you'll get back into saving again and, hopefully have a deposit to get into a new home in the future. Just so you are aware as well, we do also have access to mortgage brokers, which are completely free to yourself. We can refer you across to a mortgage broker when and if you are, you know, wanting to look at servicing capacity and looking at buying a home to see what kind of borrowing capacity you would have based on your expenses, which can definitely help when you are looking at buying a home, what you might be able to purchase the cost and things like that for you. Okay? Fantastic. Excellent. Just on that savings account, how much do you have sitting in there at the moment? Okay. Yeah. That's okay. That's actually really good. Fantastic. And if you had to quantify your savings, are you managing to sort of put away on average about 1 to 200 on a weekly or monthly basis, or how would you quantify it realistically? Yep. Perfect. Fantastic. Excellent. Thank you for updating that. Obviously, down at the moment with you guys trying to save for a home deposit and moving, additional contributions not might not be something you're wanting to look at. But down the track, are you open to maybe considering additional contributions to provide a greater boost to your super for that retirement income stream at 65? Yep. Beautiful. Especially being as, you know, with your wife not working, it looks like your super is gonna be the main retirement income stream that you would have to focus on. Am I right, or does your wife have something to fall back on? No. That's okay. That's okay. It's not a problem. We can certainly look to help you there. I wanna make sure you guys do enjoy your retirement when you get to that point. You are still young enough to, you know, to work hard and build that retirement income stream up. I had your goal of 65 for accessing super. Is that still fairly accurate, do you think, or would you be wanting to retire earlier or later or not really sure? Yep. That's okay. That's okay. Are you happy with me utilizing 65 as your goal for the time being, and then we can kinda build on that down the track? Yeah. Beautiful. Excellent. And just I've also noted your goal here that you are looking to purchase your a home in the future there as well. I've also got down here that your assets wise, your cars, they had a combined value of 60,000. If you think about the two vehicles that you have at the moment, would you still value them about that, or would you alter or change that valuation? Yeah. Beautiful. And how much rent are you paying at the moment? $7.50 per week. Beautiful. Do you both have contents insurance for the contents within the rental home? Not sure. That's okay. That's not a problem at all. Even though you are renting, realistically, contents insurance is something to consider because if something was to happen to the property while the owner needs to obviously factor in the the cost of replacing or rebuilding the home, everything inside the home that you own and pay for is still considered, you know, content and still considered an asset and would need to be replaced, which could be an additional con a cost to yourself. So it is definitely worth looking at maybe having contents insurance to protect everything you guys have and own. Yeah. That's okay. Do you have any other assets you'd note down? Any other, you know, shares, cryptocurrency, collections, anything else of value? No. That's okay. Do you have any large debts, personal loans, credit cards, or any other liabilities to kind of note down? No. That's okay. All good. And the only other thing to sort of consider, sorry, is your estate planning. Sorry. Have you and your wife ever spoken to a solicitor or talked about drawing up a will at all? No. That's okay. It is definitely worth having the conversation as well, just sort of noting that, you know, your beneficiaries inside Super and your life insurance beneficiaries are there to direct those funds in the event of something happening to you. However, it is also important to consider, you know, what happens to everything else that you own if you don't have a will in place and you do pass away. It does end up being in test date, which means that the process everything has to kinda go through a probate process. It is a legal process, and, essentially, the legal system decides where those funds go to or what happens to everything. Whilst your wife does tend to get most things, it can also make the process slightly harder because other members of the other members of your family or friends can come forward and stake a claim. There's no guarantees that they'll get anything, but staking a claim can just make the process very hard on your wife in the event of something happening to you. Okay? Excellent. I've got down here that your beneficiaries are Eileen on your super and your insurances. You're happy for that a 100% to be paid to her in the event of something occurring? Yeah. Happy wife, happy life. Am I right? Excellent. All good. I'm glad that's all up to date there for you. Now the last thing I wanted to do was just to go through a quick risk profile questionnaire just to sort of gather whether you're invested correctly or not. Realistically, with your agent stage, that high growth environment still suits where you're at, but just wanting to make sure that does suit you personally as well. The first question here is basically asking you about inflation. So how much risk do you consider yourself comfortable to take in order to get higher levels of returns? Are you comfortable taking on a higher level of risk to make sure your returns are outpacing inflation so you can see yourself comfortable taking a moderate or medium amount of risk to keep up have your returns keep up with inflation, or are you only comfortable taking a small amount of risk knowing the returns are lower because of that? How do you think you fit? The second one? Yep. You can always go in between as well if you're comfortable wanting to do that. Yep. Beautiful. Excellent. The next one here is if you saw your super fall by 20%, how do you think you might react? Are you more inclined to see it as an investment opportunity and put some money into the dip? Are you likely to hold and wait and call us, or are you a bit concerned and maybe wanting to sell your investments to cash? How do you think you might react? How do sorry. Does that yeah. You're right. Give us a call and see what we suggest you do. Good answer. That's what you have us for. And the last one here is have you ever seen your super fall in value? If you have in the past, how do you think that makes you feel? Are you optimistic about the investment opportunities? Are you feeling cautious, concerned, or a bit anxious about the market dipping? How do you think you might feel? Yeah. Absolutely. Perfect. And then the last one is, have you ever considered borrowing for, say, investing in shares or managed funds, or would you only ever borrow property? Yep. Are you open to invest buying just your main primary residence down the track, or are you open to having an investment down the track, or what's your sort of thoughts? Yep. Yep. That's okay. Beautiful. Fantastic. Now with what you scored there, you have scored as a growth investor. At the moment, we have you in more of that high growth environment, which sees about 90% of your super invested in growth assets. So think about things like Australian and international shares, listed property and commodities, and then the end of 10% in lower risk defensive investments. With where you scored at the moment would see us reduce your risk back a little bit by 10% to see 80% invested in those higher risk investments. Realistically, for your time, your stage, and your time horizon, you absolutely can be in that high growth environment longer. It's more about this understanding that that takes on a little bit more risk in the market to get greater potential returns. Realistically, a high growth portfolio, you're wanting to try and average around about eight to 10% on a yearly basis compounding that forward. We do know that you are expecting a negative likely the likelihood of a negative return around about one in every five years, but it does suit your time horizon. You do have more than eight years ahead of you before accessing Super. Did you wanna stay in that high growth environment for longer, or did you wanna look at maybe reducing your risk level back there, Malcolm? How do you feel? You feel comfortable? Yeah. Absolutely. Not a problem at all. Well, just sort of recapping and moving forward, I'll send you an email after the call just outlining the insurance side of things for you just to give you a bit more clarity there. We'll hold on. There's no new advice to sort of worry about currently, but we will sort of catch up in about six months just to kinda review that and see whether new advice is required down the track. We'll sort of watch your soup soup. And now that we've made that switch of the investments for you as well, does that sound okay? Are you comfortable with that? Did did I miss anything? Is there anything else that you maybe wanted to ask me while you do have me here? Oh, fantastic. Thank you so much. So when you get an opportunity, if you can sign that annual review pack and grab that back to me, that'd be fabulous. It allows us to continue working as your adviser. I'll put something in my calendar to touch base. And once you get that email, if you do have additional questions around the insurances, please let me know. I can make more time to sort of touch base and and answer those additional questions for you as well. Okay? Thank you so much for your time. I hope you have a lovely afternoon. My pleasure. Enjoy your day, Malcolm. Thank you for taking my call. See you later. Thanks.","confidence":0.9980469,"words":[{"word":"hi","start":2.8,"end":3.12,"confidence":0.9941406,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.1965472400188446},{"word":"malcolm","start":3.12,"end":3.52,"confidence":0.99853516,"punctuated_word":"Malcolm.","sentiment":"neutral","sentiment_score":0.2119449079036713},{"word":"this","start":3.52,"end":3.76,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.22913245856761932},{"word":"is","start":3.76,"end":3.84,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2300417274236679},{"word":"dana","start":3.84,"end":4.16,"confidence":0.96435547,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.2707074284553528},{"word":"from","start":4.16,"end":4.4,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2843172252178192},{"word":"oakview","start":4.4,"end":4.7999997,"confidence":0.5247803,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.22953307628631592},{"word":"financial","start":4.7999997,"end":5.2999997,"confidence":0.9995117,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.23521485924720764},{"word":"how","start":5.3599997,"end":5.6,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.30521300435066223},{"word":"are","start":5.6,"end":5.7599998,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.28295207023620605},{"word":"you","start":5.7599998,"end":5.92,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28691786527633667},{"word":"today","start":5.92,"end":6.42,"confidence":1.0,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.2902950942516327},{"word":"that's","start":8.24,"end":8.559999,"confidence":0.9921875,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6345062255859375},{"word":"good","start":8.559999,"end":8.8,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7046052813529968},{"word":"i","start":8.8,"end":8.96,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5227971076965332},{"word":"had","start":8.96,"end":9.12,"confidence":0.9951172,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.542371928691864},{"word":"you","start":9.12,"end":9.36,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4603500962257385},{"word":"booked","start":9.36,"end":9.599999,"confidence":0.9951172,"punctuated_word":"booked","sentiment":"positive","sentiment_score":0.4857824444770813},{"word":"in","start":9.599999,"end":9.76,"confidence":0.9614258,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.535525381565094},{"word":"to","start":9.76,"end":9.84,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4602767527103424},{"word":"go","start":9.84,"end":10.0,"confidence":0.9970703,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4355854094028473},{"word":"through","start":10.0,"end":10.16,"confidence":0.9921875,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.44961029291152954},{"word":"your","start":10.16,"end":10.32,"confidence":0.9873047,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.38847291469573975},{"word":"annual","start":10.32,"end":10.639999,"confidence":0.89990234,"punctuated_word":"annual","sentiment":"positive","sentiment_score":0.3705499768257141},{"word":"review","start":10.639999,"end":10.88,"confidence":0.9980469,"punctuated_word":"review.","sentiment":"positive","sentiment_score":0.39201247692108154},{"word":"is","start":10.88,"end":11.04,"confidence":0.9951172,"punctuated_word":"Is","sentiment":"positive","sentiment_score":0.3907252252101898},{"word":"now","start":11.04,"end":11.28,"confidence":0.9970703,"punctuated_word":"now","sentiment":"positive","sentiment_score":0.3730188310146332},{"word":"still","start":11.28,"end":11.5199995,"confidence":0.9863281,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.36559998989105225},{"word":"a","start":11.5199995,"end":11.599999,"confidence":0.99316406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4533926844596863},{"word":"good","start":11.599999,"end":11.759999,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4326750338077545},{"word":"time","start":11.759999,"end":12.0,"confidence":0.9902344,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4696637690067291},{"word":"there","start":12.0,"end":12.24,"confidence":0.93847656,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4949723482131958},{"word":"for","start":12.24,"end":12.4,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4054194688796997},{"word":"you","start":12.4,"end":12.735,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.33411145210266113},{"word":"yeah","start":15.054999,"end":15.455,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.096053808927536},{"word":"oh","start":15.455,"end":15.775,"confidence":0.8041992,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.16779491305351257},{"word":"good","start":15.775,"end":16.015,"confidence":0.99365234,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1979157328605652},{"word":"i'm","start":16.015,"end":16.255,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0005644423654302955},{"word":"so","start":16.255,"end":16.494999,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.03242582082748413},{"word":"sorry","start":16.494999,"end":16.994999,"confidence":1.0,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.06190699338912964},{"word":"did","start":17.135,"end":17.375,"confidence":0.7792969,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.08947008848190308},{"word":"you","start":17.375,"end":17.535,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07952509820461273},{"word":"need","start":17.535,"end":17.695,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.07314826548099518},{"word":"a","start":17.695,"end":17.855,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07931160926818848},{"word":"second","start":17.855,"end":18.355,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":-0.10336574167013168},{"word":"to","start":18.414999,"end":18.654999,"confidence":0.6723633,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06436948478221893},{"word":"i","start":19.295,"end":19.535,"confidence":0.8496094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07667995244264603},{"word":"do","start":19.535,"end":19.775,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0779426097869873},{"word":"apologize","start":19.775,"end":20.275,"confidence":1.0,"punctuated_word":"apologize.","sentiment":"neutral","sentiment_score":-0.08237988501787186},{"word":"oh","start":22.414999,"end":22.654999,"confidence":0.9770508,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.2456868588924408},{"word":"good","start":22.654999,"end":23.055,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.37429019808769226},{"word":"fantastic","start":23.055,"end":23.555,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5674246549606323},{"word":"before","start":23.935,"end":24.255,"confidence":0.6040039,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":0.2692381739616394},{"word":"we","start":24.255,"end":24.414999,"confidence":0.98535156,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21334683895111084},{"word":"jump","start":24.414999,"end":24.575,"confidence":0.9980469,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.2663639783859253},{"word":"into","start":24.575,"end":24.814999,"confidence":0.9892578,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.24945995211601257},{"word":"the","start":24.814999,"end":24.895,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28916794061660767},{"word":"call","start":24.895,"end":25.134998,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.22093473374843595},{"word":"then","start":25.134998,"end":25.294998,"confidence":0.739624,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.149549663066864},{"word":"malcolm","start":25.294998,"end":25.615,"confidence":0.9951172,"punctuated_word":"Malcolm,","sentiment":"neutral","sentiment_score":0.24431300163269043},{"word":"just","start":25.615,"end":25.775,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2288563847541809},{"word":"to","start":25.775,"end":25.935,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21529752016067505},{"word":"let","start":25.935,"end":26.095,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.21367748081684113},{"word":"you","start":26.095,"end":26.175,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22602449357509613},{"word":"know","start":26.175,"end":26.255,"confidence":0.95458984,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.18986567854881287},{"word":"we","start":26.255,"end":26.414999,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19416500627994537},{"word":"do","start":26.414999,"end":26.654999,"confidence":0.9506836,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2224101424217224},{"word":"record","start":26.654999,"end":26.974998,"confidence":1.0,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.20685149729251864},{"word":"our","start":26.974998,"end":27.055,"confidence":0.99609375,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1586132049560547},{"word":"calls","start":27.055,"end":27.36,"confidence":0.9394531,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.15931124985218048},{"word":"for","start":27.36,"end":27.52,"confidence":0.95410156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14142030477523804},{"word":"quality","start":27.52,"end":27.76,"confidence":0.9980469,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.1282658725976944},{"word":"and","start":27.76,"end":27.84,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14873702824115753},{"word":"training","start":27.84,"end":28.32,"confidence":1.0,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.1414031833410263},{"word":"purposes","start":28.32,"end":28.720001,"confidence":0.99609375,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.19367891550064087},{"word":"are","start":28.720001,"end":28.880001,"confidence":0.9902344,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.1886252909898758},{"word":"you","start":28.880001,"end":29.04,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23433922231197357},{"word":"happy","start":29.04,"end":29.28,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.20575764775276184},{"word":"for","start":29.28,"end":29.44,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22081145644187927},{"word":"me","start":29.44,"end":29.6,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2187144160270691},{"word":"to","start":29.6,"end":29.68,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2055114507675171},{"word":"proceed","start":29.68,"end":30.0,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.21386487782001495},{"word":"with","start":30.0,"end":30.24,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2395755499601364},{"word":"that","start":30.24,"end":30.74,"confidence":0.9995117,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.23697403073310852},{"word":"fan","start":32.24,"end":32.72,"confidence":0.73779297,"punctuated_word":"Fan","sentiment":"positive","sentiment_score":0.6924221515655518},{"word":"fantastic","start":33.04,"end":33.54,"confidence":0.9855957,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.6692507266998291},{"word":"and","start":33.6,"end":33.760002,"confidence":0.9980469,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3430817127227783},{"word":"just","start":33.760002,"end":34.0,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.31069251894950867},{"word":"to","start":34.0,"end":34.08,"confidence":0.3815918,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31584614515304565},{"word":"do","start":34.08,"end":34.16,"confidence":0.9838867,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3649749457836151},{"word":"a","start":34.16,"end":34.24,"confidence":0.9863281,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3654475808143616},{"word":"quick","start":34.24,"end":34.48,"confidence":0.99902344,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.2591409385204315},{"word":"security","start":34.48,"end":34.96,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.167805016040802},{"word":"check","start":34.96,"end":35.12,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.2529095709323883},{"word":"there","start":35.12,"end":35.28,"confidence":0.9921875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3134196996688843},{"word":"for","start":35.28,"end":35.440002,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2610614597797394},{"word":"you","start":35.440002,"end":35.6,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2826433777809143},{"word":"as","start":35.6,"end":35.760002,"confidence":0.94970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.265619695186615},{"word":"well","start":35.760002,"end":35.92,"confidence":0.7426758,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2260497510433197},{"word":"just","start":35.92,"end":36.16,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2435389757156372},{"word":"to","start":36.16,"end":36.24,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2505984604358673},{"word":"confirm","start":36.24,"end":36.64,"confidence":0.99902344,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.21206921339035031},{"word":"your","start":36.64,"end":36.88,"confidence":0.71777344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19475288689136505},{"word":"full","start":36.88,"end":37.04,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.20637135207653048},{"word":"name","start":37.04,"end":37.28,"confidence":0.99560547,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.16311249136924744},{"word":"your","start":37.28,"end":37.440002,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1605660319328308},{"word":"date","start":37.440002,"end":37.6,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.18476203083992004},{"word":"of","start":37.6,"end":37.760002,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21347633004188535},{"word":"birth","start":37.760002,"end":37.92,"confidence":0.98535156,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.22734051942825317},{"word":"and","start":37.92,"end":38.08,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.230628103017807},{"word":"address","start":38.08,"end":38.4,"confidence":0.99902344,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.22332032024860385},{"word":"i","start":38.4,"end":38.56,"confidence":0.7729492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.28589168190956116},{"word":"should","start":38.56,"end":38.72,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.2718240022659302},{"word":"have","start":38.72,"end":38.96,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17658379673957825},{"word":"on","start":38.96,"end":39.12,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1667550653219223},{"word":"file","start":39.12,"end":39.62,"confidence":0.8527832,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.2064422219991684},{"word":"yep","start":42.32,"end":42.705,"confidence":0.97094727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04412375018000603},{"word":"yep","start":44.625,"end":45.125,"confidence":0.99902344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03463093191385269},{"word":"legend","start":47.745003,"end":48.245003,"confidence":0.9304199,"punctuated_word":"Legend.","sentiment":"neutral","sentiment_score":0.18888573348522184},{"word":"thank","start":48.305,"end":48.545002,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5760378241539001},{"word":"you","start":48.545002,"end":48.785004,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6111170649528503},{"word":"so","start":48.785004,"end":48.945,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5922445058822632},{"word":"much","start":48.945,"end":49.185,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.6345213651657104},{"word":"for","start":49.185,"end":49.345,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6255523562431335},{"word":"that","start":49.345,"end":49.845,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5916930437088013},{"word":"malcolm","start":49.905003,"end":50.405003,"confidence":0.9477539,"punctuated_word":"Malcolm,","sentiment":"neutral","sentiment_score":0.29410651326179504},{"word":"as","start":50.465,"end":50.705,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2517487406730652},{"word":"part","start":50.705,"end":50.865,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.25270020961761475},{"word":"of","start":50.865,"end":50.945,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2476593554019928},{"word":"your","start":50.945,"end":51.105003,"confidence":0.875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2063717544078827},{"word":"annual","start":51.105003,"end":51.345,"confidence":0.9902344,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.1682792901992798},{"word":"review","start":51.345,"end":51.665,"confidence":0.99902344,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.1537320911884308},{"word":"we","start":51.665,"end":51.825,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12895578145980835},{"word":"do","start":51.825,"end":51.905003,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15021176636219025},{"word":"normally","start":51.905003,"end":52.305,"confidence":0.57666016,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.14875808358192444},{"word":"send","start":52.305,"end":52.545002,"confidence":0.99609375,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.17687442898750305},{"word":"through","start":52.545002,"end":52.785004,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14784540235996246},{"word":"some","start":52.785004,"end":52.945,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0918188989162445},{"word":"documents","start":52.945,"end":53.425003,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.17748388648033142},{"word":"to","start":53.425003,"end":53.585003,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13212141394615173},{"word":"you","start":53.585003,"end":53.745003,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1586906462907791},{"word":"so","start":53.745003,"end":53.905003,"confidence":0.8730469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13425329327583313},{"word":"you","start":53.905003,"end":53.985,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16101959347724917},{"word":"can","start":53.985,"end":54.145,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16424542665481567},{"word":"look","start":54.145,"end":54.385002,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.19805540144443512},{"word":"at","start":54.385002,"end":54.465,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.19567658007144928},{"word":"them","start":54.465,"end":54.705,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.21161039173603055},{"word":"as","start":54.705,"end":54.865,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18540841341018677},{"word":"i'm","start":54.865,"end":55.105003,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.15216171741485596},{"word":"going","start":55.105003,"end":55.425003,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.16150228679180145},{"word":"through","start":55.425003,"end":55.665,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17874276638031006},{"word":"things","start":55.665,"end":56.165,"confidence":0.99853516,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.11610323935747148},{"word":"are","start":56.82,"end":56.98,"confidence":0.94189453,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.035283442586660385},{"word":"you","start":56.98,"end":57.22,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03817963972687721},{"word":"able","start":57.22,"end":57.38,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.03727187216281891},{"word":"to","start":57.38,"end":57.54,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03985326364636421},{"word":"look","start":57.54,"end":57.7,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.035515494644641876},{"word":"at","start":57.7,"end":57.86,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03259227052330971},{"word":"your","start":57.86,"end":58.02,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.028959963470697403},{"word":"emails","start":58.02,"end":58.5,"confidence":0.94506836,"punctuated_word":"emails?","sentiment":"neutral","sentiment_score":0.03483187407255173},{"word":"if","start":58.5,"end":58.66,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.022961031645536423},{"word":"you","start":58.66,"end":58.74,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.030106710270047188},{"word":"can't","start":58.74,"end":59.06,"confidence":0.9977214,"punctuated_word":"can't,","sentiment":"neutral","sentiment_score":-0.02368089184165001},{"word":"that's","start":59.06,"end":59.3,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.020878029987215996},{"word":"okay","start":59.3,"end":59.8,"confidence":0.99658203,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.02006726711988449},{"word":"yeah","start":62.260002,"end":62.760002,"confidence":0.8496094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08101355284452438},{"word":"you're","start":63.3,"end":63.62,"confidence":0.8979492,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.10552503913640976},{"word":"right","start":63.62,"end":63.86,"confidence":0.97021484,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.15208761394023895},{"word":"i'm","start":63.86,"end":64.02,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1347053200006485},{"word":"just","start":64.02,"end":64.18,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12018564343452454},{"word":"gonna","start":64.18,"end":64.42,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.13181665539741516},{"word":"press","start":64.42,"end":64.66,"confidence":1.0,"punctuated_word":"press","sentiment":"neutral","sentiment_score":0.10560420900583269},{"word":"send","start":64.66,"end":64.9,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.09988076239824296},{"word":"on","start":64.9,"end":65.06,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1201859638094902},{"word":"this","start":65.06,"end":65.22,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.142094686627388},{"word":"one","start":65.22,"end":65.46,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.15118297934532166},{"word":"and","start":65.46,"end":65.62,"confidence":0.96875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11810468882322311},{"word":"send","start":65.62,"end":65.78,"confidence":0.99609375,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1240810826420784},{"word":"it","start":65.78,"end":65.94,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16219773888587952},{"word":"to","start":65.94,"end":66.1,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1381329596042633},{"word":"you","start":66.1,"end":66.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14707544445991516},{"word":"there","start":66.26,"end":66.5,"confidence":0.8095703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15902891755104065},{"word":"now","start":66.5,"end":67.0,"confidence":1.0,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.1249171644449234},{"word":"beautiful","start":67.06,"end":67.56,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.44638481736183167},{"word":"how's","start":67.62,"end":67.86,"confidence":0.9802246,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.2770552635192871},{"word":"your","start":67.86,"end":68.1,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23531034588813785},{"word":"day","start":68.1,"end":68.26,"confidence":1.0,"punctuated_word":"day","sentiment":"positive","sentiment_score":0.3671461343765259},{"word":"been","start":68.26,"end":68.5,"confidence":0.65722656,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.2922026216983795},{"word":"so","start":68.5,"end":68.74,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.25429147481918335},{"word":"far","start":68.74,"end":69.24,"confidence":0.9995117,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.2344825863838196},{"word":"yeah","start":75.945,"end":76.445,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04506386071443558},{"word":"i","start":76.505,"end":76.66499,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022042084485292435},{"word":"mean","start":76.66499,"end":76.905,"confidence":0.96728516,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.014658493921160698},{"word":"quiet","start":76.905,"end":77.225,"confidence":0.77246094,"punctuated_word":"quiet.","sentiment":"neutral","sentiment_score":0.027745096012949944},{"word":"it's","start":77.225,"end":77.30499,"confidence":0.9797363,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.030144108459353447},{"word":"probably","start":77.30499,"end":77.625,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.006984896957874298},{"word":"not","start":77.625,"end":77.784996,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.02636820822954178},{"word":"a","start":77.784996,"end":77.94499,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008492730557918549},{"word":"bad","start":77.94499,"end":78.185,"confidence":1.0,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":-0.0039960891008377075},{"word":"thing","start":78.185,"end":78.424995,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.05131778120994568},{"word":"sometimes","start":78.424995,"end":78.924995,"confidence":0.9995117,"punctuated_word":"sometimes.","sentiment":"neutral","sentiment_score":0.04604711011052132},{"word":"alright","start":84.31,"end":84.81,"confidence":0.85058594,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.2280217409133911},{"word":"perfect","start":85.59,"end":86.09,"confidence":0.98657227,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4069942831993103},{"word":"i've","start":86.549995,"end":86.71,"confidence":0.65283203,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2800167500972748},{"word":"sent","start":86.71,"end":86.95,"confidence":0.9970703,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.2838212549686432},{"word":"that","start":86.95,"end":87.11,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3209593594074249},{"word":"one","start":87.11,"end":87.27,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.29082852602005005},{"word":"through","start":87.27,"end":87.59,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.24612003564834595},{"word":"to","start":87.59,"end":87.75,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26835882663726807},{"word":"you","start":87.75,"end":87.909996,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2676939368247986},{"word":"there","start":87.909996,"end":88.409996,"confidence":0.72265625,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2735944390296936},{"word":"now","start":98.16499,"end":98.564995,"confidence":0.70947266,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.23829765617847443},{"word":"it","start":98.564995,"end":98.725,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2180197834968567},{"word":"should","start":98.725,"end":98.965,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.32491976022720337},{"word":"come","start":98.965,"end":99.284996,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.18743391335010529},{"word":"through","start":99.284996,"end":99.685,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.16546961665153503},{"word":"from","start":99.685,"end":100.185,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.16860857605934143},{"word":"odoo","start":100.564995,"end":101.045,"confidence":0.60375977,"punctuated_word":"Odoo","sentiment":"neutral","sentiment_score":0.16153529286384585},{"word":"sign","start":101.045,"end":101.365,"confidence":0.4465332,"punctuated_word":"sign,","sentiment":"neutral","sentiment_score":0.19586625695228577},{"word":"or","start":101.365,"end":101.604996,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.19568438827991488},{"word":"it","start":101.604996,"end":101.685,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21958144009113312},{"word":"should","start":101.685,"end":101.924995,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.34846311807632446},{"word":"have","start":101.924995,"end":102.16499,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21443092823028564},{"word":"my","start":102.16499,"end":102.325,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.17192703485488892},{"word":"name","start":102.325,"end":102.564995,"confidence":1.0,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.14365273714065552},{"word":"and","start":102.564995,"end":102.80499,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16922207176685333},{"word":"email","start":102.80499,"end":103.204994,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.18867197632789612},{"word":"there","start":103.204994,"end":103.44499,"confidence":0.77612305,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.17361024022102356},{"word":"so","start":103.44499,"end":103.604996,"confidence":0.8886719,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10189062356948853},{"word":"dana@opfinancial","start":103.604996,"end":105.064995,"confidence":0.71706545,"punctuated_word":"dana@opfinancial.","sentiment":"neutral","sentiment_score":0.1210295781493187},{"word":"got","start":108.0,"end":108.240005,"confidence":0.94921875,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.21629376709461212},{"word":"it","start":108.240005,"end":108.72,"confidence":0.9333496,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1820848435163498},{"word":"oh","start":108.72,"end":109.04,"confidence":0.8642578,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.4175082445144654},{"word":"fantastic","start":109.04,"end":109.54,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.49415189027786255},{"word":"excellent","start":109.92,"end":110.4,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4133268594741822},{"word":"so","start":110.4,"end":110.560005,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2176275998353958},{"word":"when","start":110.560005,"end":110.72,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.26623639464378357},{"word":"you","start":110.72,"end":110.880005,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2550419867038727},{"word":"open","start":110.880005,"end":111.200005,"confidence":0.97998047,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.2330619990825653},{"word":"it","start":111.200005,"end":111.28,"confidence":0.94628906,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2828991115093231},{"word":"up","start":111.28,"end":111.520004,"confidence":0.99853516,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.2082493007183075},{"word":"you","start":111.520004,"end":111.6,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1734035164117813},{"word":"just","start":111.6,"end":111.840004,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18226076662540436},{"word":"press","start":111.840004,"end":112.0,"confidence":0.97998047,"punctuated_word":"press","sentiment":"neutral","sentiment_score":0.15592889487743378},{"word":"the","start":112.0,"end":112.16,"confidence":0.8574219,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22561122477054596},{"word":"little","start":112.16,"end":112.48,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.24825800955295563},{"word":"sign","start":112.48,"end":112.72,"confidence":0.99609375,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.15454550087451935},{"word":"button","start":112.72,"end":113.04,"confidence":0.99902344,"punctuated_word":"button","sentiment":"neutral","sentiment_score":0.19547051191329956},{"word":"so","start":113.04,"end":113.200005,"confidence":0.68896484,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.19618238508701324},{"word":"it","start":113.200005,"end":113.36,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21833467483520508},{"word":"takes","start":113.36,"end":113.520004,"confidence":0.99902344,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.25182002782821655},{"word":"you","start":113.520004,"end":113.68,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26851141452789307},{"word":"through","start":113.68,"end":113.92,"confidence":0.99316406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.3264446258544922},{"word":"so","start":113.92,"end":114.08,"confidence":0.7246094,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.26222550868988037},{"word":"you","start":114.08,"end":114.240005,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2655538320541382},{"word":"can","start":114.240005,"end":114.4,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24204324185848236},{"word":"review","start":114.4,"end":114.8,"confidence":0.9980469,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.18993869423866272},{"word":"the","start":114.8,"end":114.96,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2433227002620697},{"word":"documents","start":114.96,"end":115.46,"confidence":0.9951172,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.20767980813980105},{"word":"there","start":115.520004,"end":116.020004,"confidence":0.88500977,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.21970461308956143},{"word":"but","start":116.48,"end":116.72,"confidence":0.56347656,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03285196051001549},{"word":"i'll","start":116.72,"end":116.96,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.014195814728736876},{"word":"never","start":116.96,"end":117.200005,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.0851423442363739},{"word":"ask","start":117.200005,"end":117.36,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.010598152875900269},{"word":"you","start":117.36,"end":117.600006,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029039233922958377},{"word":"to","start":117.600006,"end":117.76,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.039245426654815674},{"word":"sign","start":117.76,"end":118.0,"confidence":0.99902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.09891459345817566},{"word":"them","start":118.0,"end":118.240005,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.009476915001869202},{"word":"until","start":118.240005,"end":118.48,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.13722652196884155},{"word":"you're","start":118.48,"end":118.72,"confidence":0.99365234,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04213526472449303},{"word":"happy","start":118.72,"end":118.96,"confidence":0.99121094,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.07761670649051666},{"word":"and","start":118.96,"end":119.12,"confidence":0.8959961,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1269286870956421},{"word":"that","start":119.12,"end":119.28,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15942683815956116},{"word":"you've","start":119.28,"end":119.520004,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.19526474177837372},{"word":"gone","start":119.520004,"end":119.68,"confidence":0.99902344,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.22138571739196777},{"word":"through","start":119.68,"end":119.92,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17402683198451996},{"word":"them","start":119.92,"end":120.16,"confidence":0.97802734,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.1069214940071106},{"word":"i'll","start":120.16,"end":120.32,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10287069529294968},{"word":"make","start":120.32,"end":120.48,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08930371701717377},{"word":"sure","start":120.48,"end":120.98,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.09435424208641052},{"word":"you","start":121.12,"end":121.28,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10615210980176926},{"word":"go","start":121.28,"end":121.44,"confidence":0.94921875,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10954535007476808},{"word":"through","start":121.44,"end":121.68,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1252126693725586},{"word":"them","start":121.68,"end":121.92,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.09392498433589937},{"word":"first","start":121.92,"end":122.32,"confidence":0.9995117,"punctuated_word":"first.","sentiment":"neutral","sentiment_score":0.07785734534263611},{"word":"okay","start":122.32,"end":122.82,"confidence":0.94384766,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.07168979942798615},{"word":"excellent","start":124.615005,"end":125.095,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6685891151428223},{"word":"now","start":125.095,"end":125.335,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.459459125995636},{"word":"the","start":125.335,"end":125.415,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4510327875614166},{"word":"first","start":125.415,"end":125.735,"confidence":0.99902344,"punctuated_word":"first","sentiment":"positive","sentiment_score":0.37817925214767456},{"word":"document","start":125.735,"end":126.135,"confidence":0.9980469,"punctuated_word":"document","sentiment":"positive","sentiment_score":0.40111875534057617},{"word":"you","start":126.135,"end":126.295006,"confidence":0.98828125,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.45847415924072266},{"word":"should","start":126.295006,"end":126.455,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.4875589609146118},{"word":"see","start":126.455,"end":126.695,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.3825802505016327},{"word":"there","start":126.695,"end":126.855,"confidence":0.8095703,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.37424278259277344},{"word":"is","start":126.855,"end":127.015,"confidence":0.99609375,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.36995574831962585},{"word":"a","start":127.015,"end":127.175,"confidence":0.9135742,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.38595515489578247},{"word":"summary","start":127.175,"end":127.495,"confidence":0.99902344,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.2962878346443176},{"word":"of","start":127.495,"end":127.575005,"confidence":0.984375,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.388974130153656},{"word":"superannuation","start":127.575005,"end":128.07501,"confidence":0.9614258,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.3151531219482422},{"word":"and","start":128.455,"end":128.695,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27979132533073425},{"word":"insurances","start":128.695,"end":129.195,"confidence":0.9387207,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.2495974898338318},{"word":"as","start":129.335,"end":129.575,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2568877935409546},{"word":"of","start":129.575,"end":129.735,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23482756316661835},{"word":"the","start":129.735,"end":129.895,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2414344698190689},{"word":"august","start":129.895,"end":130.335,"confidence":0.99934894,"punctuated_word":"August","sentiment":"neutral","sentiment_score":0.19598186016082764},{"word":"19","start":130.335,"end":130.77501,"confidence":0.99934894,"punctuated_word":"19","sentiment":"neutral","sentiment_score":0.2396034151315689},{"word":"there","start":130.77501,"end":131.015,"confidence":0.9157715,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2705392837524414},{"word":"so","start":131.015,"end":131.095,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4092210829257965},{"word":"it","start":131.095,"end":131.255,"confidence":0.94140625,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4965646862983704},{"word":"does","start":131.255,"end":131.495,"confidence":0.99902344,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.43935978412628174},{"word":"have","start":131.495,"end":131.575,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4458889067173004},{"word":"an","start":131.575,"end":131.735,"confidence":1.0,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.3513014018535614},{"word":"updated","start":131.735,"end":132.215,"confidence":0.9970703,"punctuated_word":"updated","sentiment":"positive","sentiment_score":0.34189295768737793},{"word":"balance","start":132.215,"end":132.715,"confidence":0.8366699,"punctuated_word":"balance,","sentiment":"positive","sentiment_score":0.35810983180999756},{"word":"your","start":133.175,"end":133.41501,"confidence":0.86865234,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4214928150177002},{"word":"balance","start":133.41501,"end":133.815,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.3105345368385315},{"word":"in","start":133.815,"end":134.13501,"confidence":0.9921875,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.37716662883758545},{"word":"super","start":134.13501,"end":134.455,"confidence":0.8898926,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.30870115756988525},{"word":"and","start":134.455,"end":134.695,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.31655600666999817},{"word":"when","start":134.695,"end":134.855,"confidence":1.0,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.34177759289741516},{"word":"i","start":134.855,"end":134.935,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3521045744419098},{"word":"look","start":134.935,"end":135.175,"confidence":0.9223633,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.27420520782470703},{"word":"back","start":135.175,"end":135.335,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3233194351196289},{"word":"to","start":135.335,"end":135.495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3520406186580658},{"word":"the","start":135.495,"end":135.575,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31439563632011414},{"word":"last","start":135.575,"end":135.895,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.21287427842617035},{"word":"annual","start":135.895,"end":136.215,"confidence":0.9770508,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.17925290763378143},{"word":"review","start":136.215,"end":136.535,"confidence":0.99121094,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.1553773283958435},{"word":"you","start":136.535,"end":136.695,"confidence":0.61816406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3030896782875061},{"word":"completed","start":136.695,"end":137.195,"confidence":0.9970703,"punctuated_word":"completed","sentiment":"neutral","sentiment_score":0.2460257858037949},{"word":"with","start":137.255,"end":137.41501,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21019038558006287},{"word":"us","start":137.41501,"end":137.73,"confidence":0.9650879,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":0.29712164402008057},{"word":"essentially","start":138.12999,"end":138.61,"confidence":0.8613281,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.28325384855270386},{"word":"your","start":138.61,"end":138.76999,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2959362268447876},{"word":"balance","start":138.76999,"end":139.01,"confidence":0.9980469,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.21679608523845673},{"word":"then","start":139.01,"end":139.33,"confidence":0.9448242,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.321588397026062},{"word":"was","start":139.33,"end":139.48999,"confidence":0.97998047,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.27754414081573486},{"word":"sitting","start":139.48999,"end":139.73,"confidence":0.99609375,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.30528342723846436},{"word":"at","start":139.73,"end":139.89,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2984267473220825},{"word":"93,504","start":139.89,"end":141.81,"confidence":0.999442,"punctuated_word":"93,504","sentiment":"neutral","sentiment_score":0.2798456847667694},{"word":"and","start":141.81,"end":141.97,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2245025634765625},{"word":"57¢","start":141.97,"end":143.11,"confidence":0.9885254,"punctuated_word":"57¢."},{"word":"your","start":143.48999,"end":143.65,"confidence":0.92089844,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.3051433563232422},{"word":"balance","start":143.65,"end":144.04999,"confidence":1.0,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.4799278378486634},{"word":"is","start":144.04999,"end":144.20999,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4972147643566131},{"word":"now","start":144.20999,"end":144.53,"confidence":1.0,"punctuated_word":"now","sentiment":"positive","sentiment_score":0.5424611568450928},{"word":"up","start":144.53,"end":144.69,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.5428392291069031},{"word":"to","start":144.69,"end":144.84999,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5945042967796326},{"word":"over","start":144.84999,"end":145.09,"confidence":0.99609375,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.47370433807373047},{"word":"a","start":145.09,"end":145.17,"confidence":0.99121094,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4223314225673675},{"word":"103,422","start":145.17,"end":147.40999,"confidence":0.9991319,"punctuated_word":"103,422","sentiment":"neutral","sentiment_score":0.3202836215496063},{"word":"and","start":147.40999,"end":147.73,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2700203061103821},{"word":"6¢","start":147.73,"end":148.20999,"confidence":0.99658203,"punctuated_word":"6¢"},{"word":"there","start":148.20999,"end":148.37,"confidence":0.8781738,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.3064934313297272},{"word":"so","start":148.37,"end":148.61,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6436794996261597},{"word":"we","start":148.61,"end":148.69,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.6227420568466187},{"word":"have","start":148.69,"end":148.93,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.6091691255569458},{"word":"seen","start":148.93,"end":149.09,"confidence":0.9951172,"punctuated_word":"seen","sentiment":"positive","sentiment_score":0.6649445295333862},{"word":"a","start":149.09,"end":149.17,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5586842894554138},{"word":"bit","start":149.17,"end":149.33,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.6642298102378845},{"word":"of","start":149.33,"end":149.48999,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6552699208259583},{"word":"an","start":149.48999,"end":149.65,"confidence":0.99902344,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.6520012617111206},{"word":"increase","start":149.65,"end":150.04999,"confidence":1.0,"punctuated_word":"increase","sentiment":"positive","sentiment_score":0.5835664868354797},{"word":"within","start":150.04999,"end":150.29,"confidence":1.0,"punctuated_word":"within","sentiment":"positive","sentiment_score":0.5374255180358887},{"word":"your","start":150.29,"end":150.53,"confidence":0.98535156,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5115577578544617},{"word":"super","start":150.53,"end":150.84999,"confidence":0.9550781,"punctuated_word":"super,","sentiment":"positive","sentiment_score":0.5621538162231445},{"word":"which","start":150.84999,"end":151.09,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6565799117088318},{"word":"is","start":151.09,"end":151.17,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6977042555809021},{"word":"good","start":151.17,"end":151.40999,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6099777817726135},{"word":"to","start":151.40999,"end":151.56999,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6781347990036011},{"word":"see","start":151.56999,"end":152.06999,"confidence":0.9970703,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.2448417991399765},{"word":"yeah","start":153.735,"end":154.235,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2527177631855011},{"word":"the","start":154.455,"end":154.615,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.21818959712982175},{"word":"next","start":154.615,"end":154.935,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.22585345804691315},{"word":"page","start":154.935,"end":155.255,"confidence":0.8835449,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.23851406574249268},{"word":"if","start":155.255,"end":155.41501,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.184929683804512},{"word":"you","start":155.41501,"end":155.575,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14623284339904785},{"word":"click","start":155.575,"end":155.815,"confidence":0.99902344,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.13770295679569244},{"word":"the","start":155.815,"end":155.975,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09141528606414796},{"word":"next","start":155.975,"end":156.375,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.10075435042381288},{"word":"button","start":156.375,"end":156.85501,"confidence":1.0,"punctuated_word":"button","sentiment":"neutral","sentiment_score":0.13238684833049774},{"word":"or","start":156.85501,"end":157.175,"confidence":0.5566406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11896350979804993},{"word":"it","start":157.175,"end":157.335,"confidence":0.46289062,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20391236245632172},{"word":"should","start":157.335,"end":157.49501,"confidence":0.86035156,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.16624829173088074},{"word":"be","start":157.49501,"end":157.655,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15427686274051666},{"word":"a","start":157.655,"end":157.735,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14564108848571777},{"word":"little","start":157.735,"end":157.895,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.15124303102493286},{"word":"button","start":157.895,"end":158.215,"confidence":0.9970703,"punctuated_word":"button","sentiment":"neutral","sentiment_score":0.16845771670341492},{"word":"at","start":158.215,"end":158.295,"confidence":0.97802734,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16117016971111298},{"word":"the","start":158.295,"end":158.375,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15443794429302216},{"word":"top","start":158.375,"end":158.615,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.1639285385608673},{"word":"that","start":158.615,"end":158.77501,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12013807147741318},{"word":"allows","start":158.77501,"end":159.095,"confidence":0.99902344,"punctuated_word":"allows","sentiment":"neutral","sentiment_score":0.13506467640399933},{"word":"you","start":159.095,"end":159.255,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12412887066602708},{"word":"to","start":159.255,"end":159.335,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.125757098197937},{"word":"go","start":159.335,"end":159.49501,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1326870322227478},{"word":"to","start":159.49501,"end":159.655,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13600455224514008},{"word":"the","start":159.655,"end":159.735,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08820673078298569},{"word":"next","start":159.735,"end":160.05501,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.08579611778259277},{"word":"document","start":160.05501,"end":160.55501,"confidence":0.875,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.14779695868492126},{"word":"you","start":161.175,"end":161.41501,"confidence":0.96875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11336088180541992},{"word":"have","start":161.41501,"end":161.655,"confidence":0.54833984,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11667376011610033},{"word":"the","start":161.655,"end":161.815,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1024577096104622},{"word":"asset","start":161.815,"end":162.215,"confidence":0.98828125,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.08668447285890579},{"word":"performance","start":162.215,"end":162.715,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.12619814276695251},{"word":"detail","start":162.935,"end":163.435,"confidence":0.97314453,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":0.11613079905509947},{"word":"report","start":163.49501,"end":163.895,"confidence":0.9980469,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.13254199922084808},{"word":"there","start":163.895,"end":164.13501,"confidence":0.9807129,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.10624989122152328},{"word":"that's","start":164.13501,"end":164.375,"confidence":0.99560547,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1044183298945427},{"word":"your","start":164.375,"end":164.615,"confidence":0.92578125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08130261301994324},{"word":"portfolio","start":164.615,"end":165.115,"confidence":0.9941406,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.13590261340141296},{"word":"report","start":165.54,"end":165.78,"confidence":0.9394531,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.14056144654750824},{"word":"for","start":165.78,"end":165.93999,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17967721819877625},{"word":"your","start":165.93999,"end":166.01999,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1860838085412979},{"word":"netwealth","start":166.01999,"end":166.51999,"confidence":0.8557129,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.1441475749015808},{"word":"superfund","start":166.73999,"end":167.23999,"confidence":0.8074544,"punctuated_word":"Superfund.","sentiment":"neutral","sentiment_score":0.11253345012664796},{"word":"can","start":167.37999,"end":167.62,"confidence":1.0,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.07298217713832855},{"word":"you","start":167.62,"end":167.78,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06791596114635468},{"word":"see","start":167.78,"end":168.01999,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06702632457017899},{"word":"that","start":168.01999,"end":168.18,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05802500620484352},{"word":"one","start":168.18,"end":168.68,"confidence":1.0,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":0.08277224004268646},{"word":"yeah","start":170.34,"end":170.73999,"confidence":0.90844727,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.407318115234375},{"word":"fantastic","start":170.73999,"end":171.23999,"confidence":0.9995117,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.42584943771362305},{"word":"so","start":172.01999,"end":172.26,"confidence":0.7294922,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.40129354596138},{"word":"with","start":172.26,"end":172.42,"confidence":0.9970703,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.41797396540641785},{"word":"this","start":172.42,"end":172.65999,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.4087873101234436},{"word":"one","start":172.65999,"end":172.81999,"confidence":0.99902344,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.43029841780662537},{"word":"here","start":172.81999,"end":172.98,"confidence":0.9760742,"punctuated_word":"here,","sentiment":"positive","sentiment_score":0.391032338142395},{"word":"it","start":172.98,"end":173.14,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.33455580472946167},{"word":"is","start":173.14,"end":173.29999,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3857528269290924},{"word":"showing","start":173.29999,"end":173.62,"confidence":1.0,"punctuated_word":"showing","sentiment":"positive","sentiment_score":0.343005895614624},{"word":"you","start":173.62,"end":173.78,"confidence":0.98828125,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3710225820541382},{"word":"on","start":173.78,"end":173.93999,"confidence":0.96240234,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.35568803548812866},{"word":"the","start":173.93999,"end":174.01999,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31429222226142883},{"word":"second","start":174.01999,"end":174.34,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.332267165184021},{"word":"page","start":174.34,"end":174.81999,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.32933953404426575},{"word":"how","start":174.81999,"end":174.98,"confidence":0.78271484,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.3386143147945404},{"word":"your","start":174.98,"end":175.21999,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29448768496513367},{"word":"portfolio","start":175.21999,"end":175.71999,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.3235457241535187},{"word":"has","start":175.85999,"end":176.09999,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.33921629190444946},{"word":"performed","start":176.09999,"end":176.59999,"confidence":0.99560547,"punctuated_word":"performed.","sentiment":"neutral","sentiment_score":0.25642701983451843},{"word":"now","start":176.65999,"end":176.81999,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.10233486443758012},{"word":"this","start":176.81999,"end":177.06,"confidence":0.9667969,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.11977513879537582},{"word":"year","start":177.06,"end":177.29999,"confidence":0.9250488,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.0683620497584343},{"word":"there","start":177.29999,"end":177.45999,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.03666716814041138},{"word":"has","start":177.45999,"end":177.62,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.03082060813903809},{"word":"been","start":177.62,"end":177.78,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.04052335023880005},{"word":"a","start":177.78,"end":177.85999,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.051081303507089615},{"word":"lot","start":177.85999,"end":178.01999,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.014659613370895386},{"word":"of","start":178.01999,"end":178.18,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017420276999473572},{"word":"ups","start":178.18,"end":178.34,"confidence":0.9980469,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.0795927345752716},{"word":"and","start":178.34,"end":178.5,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03169752657413483},{"word":"downs","start":178.5,"end":178.81999,"confidence":0.99902344,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":-0.09731903672218324},{"word":"in","start":178.81999,"end":178.98,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.042436420917510986},{"word":"the","start":178.98,"end":179.06,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03365829586982727},{"word":"market","start":179.06,"end":179.37999,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.07800821959972382},{"word":"with","start":179.37999,"end":179.62,"confidence":0.96972656,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07204297930002213},{"word":"everything","start":179.62,"end":179.93999,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.05863969027996063},{"word":"that's","start":179.93999,"end":180.18,"confidence":0.77905273,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.03647886589169502},{"word":"been","start":180.18,"end":180.34,"confidence":0.9892578,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.03674640506505966},{"word":"going","start":180.34,"end":180.65999,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.05046677589416504},{"word":"on","start":180.65999,"end":181.095,"confidence":0.9628906,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.02602114900946617},{"word":"especially","start":181.255,"end":181.575,"confidence":1.0,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":-0.07599371671676636},{"word":"with","start":181.575,"end":181.815,"confidence":0.8388672,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05111681669950485},{"word":"the","start":181.815,"end":181.895,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.09919893741607666},{"word":"us","start":181.895,"end":182.135,"confidence":1.0,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.1141309291124344},{"word":"and","start":182.135,"end":182.295,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1129930317401886},{"word":"the","start":182.295,"end":182.535,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1812044233083725},{"word":"iran","start":182.535,"end":182.775,"confidence":0.9951172,"punctuated_word":"Iran","sentiment":"neutral","sentiment_score":-0.13138921558856964},{"word":"war","start":182.775,"end":183.095,"confidence":0.78637695,"punctuated_word":"war.","sentiment":"neutral","sentiment_score":-0.07982757687568665},{"word":"but","start":183.095,"end":183.335,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05447968095541},{"word":"then","start":183.335,"end":183.495,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.042554497718811035},{"word":"here","start":183.495,"end":183.735,"confidence":0.96435547,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.004611775279045105},{"word":"in","start":183.735,"end":183.895,"confidence":0.9453125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05389817804098129},{"word":"australia","start":183.895,"end":184.295,"confidence":0.9951172,"punctuated_word":"Australia,","sentiment":"neutral","sentiment_score":0.12618058919906616},{"word":"we've","start":184.295,"end":184.535,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.04850439354777336},{"word":"also","start":184.535,"end":184.855,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.05414116382598877},{"word":"had","start":184.855,"end":185.355,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.024369478225708008},{"word":"high","start":185.655,"end":185.895,"confidence":0.8613281,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.014317497611045836},{"word":"inflationary","start":185.895,"end":186.395,"confidence":0.9995117,"punctuated_word":"inflationary","sentiment":"neutral","sentiment_score":0.06341759860515594},{"word":"rates","start":186.695,"end":187.015,"confidence":0.99316406,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":0.10473702847957612},{"word":"there","start":187.015,"end":187.515,"confidence":0.9995117,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2219489812850952},{"word":"your","start":187.895,"end":188.135,"confidence":0.94628906,"punctuated_word":"Your","sentiment":"positive","sentiment_score":0.33516398072242737},{"word":"portfolio","start":188.135,"end":188.635,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.3637297451496124},{"word":"has","start":188.775,"end":189.015,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.3891131281852722},{"word":"essentially","start":189.015,"end":189.495,"confidence":0.9863281,"punctuated_word":"essentially","sentiment":"positive","sentiment_score":0.36012083292007446},{"word":"shown","start":189.495,"end":189.735,"confidence":0.9892578,"punctuated_word":"shown","sentiment":"positive","sentiment_score":0.5168265700340271},{"word":"it","start":189.735,"end":189.895,"confidence":0.72558594,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4706827104091644},{"word":"has","start":189.895,"end":190.05501,"confidence":0.9291992,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.42871901392936707},{"word":"a","start":190.05501,"end":190.135,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4880017340183258},{"word":"positive","start":190.135,"end":190.615,"confidence":1.0,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.4196498692035675},{"word":"return","start":190.615,"end":191.115,"confidence":0.76000977,"punctuated_word":"return,","sentiment":"positive","sentiment_score":0.3938348889350891},{"word":"net","start":191.255,"end":191.41501,"confidence":0.9667969,"punctuated_word":"net","sentiment":"positive","sentiment_score":0.3384772539138794},{"word":"of","start":191.41501,"end":191.655,"confidence":0.9165039,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3669373691082001},{"word":"fees","start":191.655,"end":191.975,"confidence":0.8354492,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.2224838137626648},{"word":"so","start":191.975,"end":192.135,"confidence":0.6899414,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22553439438343048},{"word":"after","start":192.135,"end":192.455,"confidence":0.9941406,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.21602784097194672},{"word":"all","start":192.455,"end":192.615,"confidence":0.9941406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.24983802437782288},{"word":"fees","start":192.615,"end":192.935,"confidence":0.9741211,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.24122193455696103},{"word":"have","start":192.935,"end":193.095,"confidence":0.87597656,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.27351000905036926},{"word":"been","start":193.095,"end":193.255,"confidence":0.9741211,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.30598539113998413},{"word":"taken","start":193.255,"end":193.655,"confidence":0.9873047,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":0.24409934878349304},{"word":"into","start":193.655,"end":193.895,"confidence":0.9902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.26490917801856995},{"word":"account","start":193.895,"end":194.395,"confidence":0.9946289,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.3258567452430725},{"word":"you've","start":194.62001,"end":194.86,"confidence":0.98950195,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.30824846029281616},{"word":"made","start":194.86,"end":195.18001,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.27325883507728577},{"word":"5.28%","start":195.18001,"end":196.88,"confidence":0.9946289,"punctuated_word":"5.28%.","sentiment":"neutral","sentiment_score":0.1980292052030563},{"word":"so","start":196.94,"end":197.26001,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16011783480644226},{"word":"it","start":197.26001,"end":197.42001,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04157967120409012},{"word":"is","start":197.42001,"end":197.58,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07774405926465988},{"word":"a","start":197.58,"end":197.74,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.028629809617996216},{"word":"little","start":197.74,"end":197.90001,"confidence":0.97802734,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.017878621816635132},{"word":"bit","start":197.90001,"end":198.22,"confidence":0.92089844,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.002469971776008606},{"word":"little","start":198.22,"end":198.54001,"confidence":0.90771484,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.000287860631942749},{"word":"bit","start":198.54001,"end":198.70001,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04735476523637771},{"word":"lower","start":198.70001,"end":199.02,"confidence":0.9970703,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.09098657965660097},{"word":"of","start":199.02,"end":199.14001,"confidence":0.9375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1013406589627266},{"word":"a","start":199.14001,"end":199.26001,"confidence":0.67041016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04367760196328163},{"word":"return","start":199.26001,"end":199.58,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":-0.007459551095962524},{"word":"than","start":199.58,"end":199.74,"confidence":0.99316406,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.06246396899223328},{"word":"what","start":199.74,"end":199.90001,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07848058640956879},{"word":"we","start":199.90001,"end":200.06001,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06796152889728546},{"word":"would","start":200.06001,"end":200.22,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.062127843499183655},{"word":"like","start":200.22,"end":200.46,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.038543157279491425},{"word":"to","start":200.46,"end":200.54001,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09240663051605225},{"word":"see","start":200.54001,"end":200.78,"confidence":0.98828125,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.044030845165252686},{"word":"for","start":200.78,"end":200.94,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02839139848947525},{"word":"the","start":200.94,"end":201.02,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013786837458610536},{"word":"high","start":201.02,"end":201.26001,"confidence":0.9951172,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.0670444443821907},{"word":"growth","start":201.26001,"end":201.66,"confidence":0.9951172,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.04849350452423096},{"word":"environment","start":201.66,"end":202.16,"confidence":0.9536133,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":0.051848702132701874},{"word":"but","start":202.3,"end":202.46,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.10613404214382172},{"word":"it","start":202.46,"end":202.62001,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06052504479885101},{"word":"is","start":202.62001,"end":202.86,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04914885759353638},{"word":"understandable","start":202.86,"end":203.36,"confidence":0.99902344,"punctuated_word":"understandable","sentiment":"neutral","sentiment_score":0.1716519594192505},{"word":"that","start":203.58,"end":203.82,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14187699556350708},{"word":"some","start":203.82,"end":203.98001,"confidence":0.9902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.14279703795909882},{"word":"years","start":203.98001,"end":204.22,"confidence":0.6855469,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.20972493290901184},{"word":"we","start":204.22,"end":204.38,"confidence":0.5390625,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14729289710521698},{"word":"do","start":204.38,"end":204.62001,"confidence":0.97802734,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17031945288181305},{"word":"get","start":204.62001,"end":204.86,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1945716142654419},{"word":"those","start":204.86,"end":205.1,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0033387988805770874},{"word":"lower","start":205.1,"end":205.42001,"confidence":0.9902344,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.13246840238571167},{"word":"returns","start":205.42001,"end":205.82,"confidence":1.0,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.09686148166656494},{"word":"with","start":205.82,"end":206.06001,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0958188772201538},{"word":"the","start":206.06001,"end":206.22,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12231885641813278},{"word":"market","start":206.22,"end":206.54001,"confidence":0.9980469,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.1391732692718506},{"word":"ups","start":206.54001,"end":206.70001,"confidence":0.9941406,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.08884653449058533},{"word":"and","start":206.70001,"end":206.86,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14720791578292847},{"word":"downs","start":206.86,"end":207.1,"confidence":0.99316406,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":0.131120502948761},{"word":"and","start":207.1,"end":207.18001,"confidence":0.87597656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13352367281913757},{"word":"the","start":207.18001,"end":207.34001,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1517849713563919},{"word":"volatility","start":207.34001,"end":207.84001,"confidence":1.0,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":0.20472779870033264},{"word":"that","start":207.98001,"end":208.14,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.282971054315567},{"word":"we","start":208.14,"end":208.3,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23138052225112915},{"word":"have","start":208.3,"end":208.54001,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3308058977127075},{"word":"certainly","start":208.54001,"end":209.04001,"confidence":0.9091797,"punctuated_word":"certainly","sentiment":"neutral","sentiment_score":0.26928913593292236},{"word":"seen","start":209.1,"end":209.34001,"confidence":0.7468262,"punctuated_word":"seen,","sentiment":"neutral","sentiment_score":0.20205999910831451},{"word":"but","start":209.34001,"end":209.715,"confidence":1.0,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.5021052360534668},{"word":"you","start":209.875,"end":210.11499,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5011173486709595},{"word":"have","start":210.11499,"end":210.19499,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5895461440086365},{"word":"come","start":210.19499,"end":210.435,"confidence":1.0,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.5536916851997375},{"word":"out","start":210.435,"end":210.675,"confidence":0.9863281,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5474666953086853},{"word":"with","start":210.675,"end":210.83499,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.50307297706604},{"word":"a","start":210.83499,"end":210.915,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5701291561126709},{"word":"positive","start":210.915,"end":211.415,"confidence":1.0,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.581406831741333},{"word":"return","start":211.555,"end":212.055,"confidence":1.0,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.13905632495880127},{"word":"the","start":212.75499,"end":212.995,"confidence":0.7211914,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.08949467539787292},{"word":"other","start":212.995,"end":213.39499,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.13483993709087372},{"word":"thing","start":213.39499,"end":213.875,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.062098219990730286},{"word":"i","start":213.875,"end":214.035,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06085369735956192},{"word":"wanted","start":214.035,"end":214.435,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.05211786925792694},{"word":"to","start":214.435,"end":214.595,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10226210951805116},{"word":"show","start":214.595,"end":214.915,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.07462388277053833},{"word":"you","start":214.915,"end":215.235,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07046784460544586},{"word":"was","start":215.235,"end":215.715,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07692109793424606},{"word":"if","start":215.715,"end":215.875,"confidence":0.8256836,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06317570060491562},{"word":"you","start":215.875,"end":216.035,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02535172551870346},{"word":"go","start":216.035,"end":216.19499,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.022342387586832047},{"word":"to","start":216.19499,"end":216.435,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.014316871762275696},{"word":"the","start":216.435,"end":216.515,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017598748207092285},{"word":"first","start":216.515,"end":216.83499,"confidence":0.9980469,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.0358530730009079},{"word":"page","start":216.83499,"end":217.155,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.022447049617767337},{"word":"of","start":217.155,"end":217.315,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.018751930445432663},{"word":"that","start":217.315,"end":217.555,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03286385536193848},{"word":"document","start":217.555,"end":218.055,"confidence":0.99902344,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.007510077208280563},{"word":"there","start":218.11499,"end":218.61499,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0006103776395320892},{"word":"and","start":218.915,"end":219.315,"confidence":0.78808594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01280798390507698},{"word":"you","start":219.315,"end":219.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012107964605093002},{"word":"look","start":219.555,"end":219.875,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.05454685166478157},{"word":"at","start":219.875,"end":219.955,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04532289877533913},{"word":"the","start":219.955,"end":220.455,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05506224185228348},{"word":"sorry","start":220.75499,"end":221.075,"confidence":0.9267578,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.051604196429252625},{"word":"the","start":221.075,"end":221.235,"confidence":0.9921875,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.012192942202091215},{"word":"side","start":221.235,"end":221.47499,"confidence":0.9448242,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.001969866454601288},{"word":"of","start":221.47499,"end":221.97499,"confidence":0.72558594,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.016595497727394104},{"word":"this","start":222.2125,"end":222.39,"confidence":0.8457031,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0008442513644695282},{"word":"the","start":223.11,"end":223.19,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030621986836194992},{"word":"on","start":223.27,"end":223.35,"confidence":0.9892578,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02016070857644081},{"word":"my","start":223.35,"end":223.59,"confidence":0.9873047,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.033614493906497955},{"word":"side","start":223.59,"end":223.83,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.033298179507255554},{"word":"is","start":223.83,"end":223.99,"confidence":0.8803711,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05356628447771072},{"word":"the","start":223.99,"end":224.15,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.072896808385849},{"word":"left","start":224.15,"end":224.39,"confidence":1.0,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.07542585581541061},{"word":"hand","start":224.39,"end":224.63,"confidence":0.9980469,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":0.0656331330537796},{"word":"side","start":224.63,"end":224.95,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.05414930358529091},{"word":"of","start":224.95,"end":225.03,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0377441868185997},{"word":"the","start":225.03,"end":225.27,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.044580698013305664},{"word":"document","start":225.27,"end":225.75,"confidence":0.91186523,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.061041150242090225},{"word":"you'll","start":225.75,"end":225.99,"confidence":0.9995117,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.07309131324291229},{"word":"see","start":225.99,"end":226.23,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07181413471698761},{"word":"you've","start":226.23,"end":226.39,"confidence":0.99658203,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0719633400440216},{"word":"got","start":226.39,"end":226.63,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09022526443004608},{"word":"cash","start":226.63,"end":227.13,"confidence":0.95532227,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.07446557283401489},{"word":"alternative","start":227.67,"end":228.17,"confidence":0.96875,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.0673912987112999},{"word":"investments","start":228.39,"end":228.89,"confidence":0.96972656,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.0898173451423645},{"word":"and","start":229.19,"end":229.35,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19112104177474976},{"word":"australian","start":229.35,"end":229.85,"confidence":0.9951172,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.086846724152565},{"word":"equities","start":229.91,"end":230.41,"confidence":0.9597168,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.09887576103210448},{"word":"as","start":230.47,"end":230.63,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05988126993179321},{"word":"the","start":230.63,"end":230.87,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07067258656024933},{"word":"blue","start":230.87,"end":231.11,"confidence":1.0,"punctuated_word":"blue","sentiment":"neutral","sentiment_score":0.04354666918516159},{"word":"heading","start":231.11,"end":231.51,"confidence":0.9980469,"punctuated_word":"heading.","sentiment":"neutral","sentiment_score":0.002115436363965273},{"word":"can","start":231.51,"end":231.67,"confidence":1.0,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.00420403853058815},{"word":"you","start":231.67,"end":231.83,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004421815276145935},{"word":"see","start":231.83,"end":232.06999,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.004948633722960949},{"word":"those","start":232.06999,"end":232.31,"confidence":0.99609375,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.012266857549548147},{"word":"headings","start":232.31,"end":232.70999,"confidence":0.99609375,"punctuated_word":"headings","sentiment":"neutral","sentiment_score":0.00894880946725607},{"word":"there","start":232.70999,"end":233.20999,"confidence":0.97314453,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.0074209729209542274},{"word":"yeah","start":236.625,"end":236.86499,"confidence":0.9890137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.023149902001023293},{"word":"the","start":236.86499,"end":237.105,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.016151389107108116},{"word":"first","start":237.105,"end":237.345,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.015465127304196358},{"word":"page","start":237.345,"end":237.58499,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.03021107986569405},{"word":"of","start":237.58499,"end":237.745,"confidence":0.9770508,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.022464722394943237},{"word":"the","start":237.745,"end":237.905,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03306950628757477},{"word":"asset","start":237.905,"end":238.305,"confidence":0.98095703,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.03409375622868538},{"word":"performance","start":238.305,"end":238.805,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.021492883563041687},{"word":"detail","start":239.025,"end":239.525,"confidence":0.9951172,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":0.027257319539785385},{"word":"report","start":239.58499,"end":240.08499,"confidence":0.99560547,"punctuated_word":"report.","sentiment":"neutral","sentiment_score":0.028861045837402344},{"word":"yeah","start":240.22499,"end":240.72499,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06498120725154877},{"word":"that's","start":242.94499,"end":243.42499,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15044918656349182},{"word":"okay","start":243.42499,"end":243.92499,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1532820463180542},{"word":"that's","start":248.70499,"end":249.025,"confidence":0.9770508,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13224980235099792},{"word":"the","start":249.025,"end":249.185,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13204339146614075},{"word":"one","start":249.185,"end":249.685,"confidence":0.8249512,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":0.18077266216278076},{"word":"beautiful","start":250.68001,"end":251.18001,"confidence":0.9975586,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6476901769638062},{"word":"so","start":251.56,"end":251.8,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2252788245677948},{"word":"you've","start":251.8,"end":252.12,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.197566956281662},{"word":"got","start":252.12,"end":252.36,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14119748771190643},{"word":"three","start":252.36,"end":252.6,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.08792010694742203},{"word":"different","start":252.6,"end":253.08,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.06205497682094574},{"word":"investments","start":253.08,"end":253.56,"confidence":0.9980469,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.04816776514053345},{"word":"noted","start":253.56,"end":253.88,"confidence":0.99316406,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.07651589810848236},{"word":"there","start":253.88,"end":254.04001,"confidence":0.9951172,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07808221876621246},{"word":"one","start":254.04001,"end":254.28,"confidence":1.0,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.07438540458679199},{"word":"of","start":254.28,"end":254.36,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06391267478466034},{"word":"them","start":254.36,"end":254.52,"confidence":0.9980469,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.0700080394744873},{"word":"is","start":254.52,"end":254.68001,"confidence":0.7089844,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07047797739505768},{"word":"the","start":254.68001,"end":254.76,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1009126529097557},{"word":"bennelong","start":254.76,"end":255.26,"confidence":0.875,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":0.08851289004087448},{"word":"australian","start":255.4,"end":255.8,"confidence":0.9819336,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.19370336830615997},{"word":"equities","start":255.8,"end":256.28,"confidence":0.92626953,"punctuated_word":"Equities","sentiment":"neutral","sentiment_score":0.08837368339300156},{"word":"fund","start":256.28,"end":256.6,"confidence":0.7561035,"punctuated_word":"Fund.","sentiment":"neutral","sentiment_score":0.0825926661491394},{"word":"the","start":256.6,"end":256.76,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.039999425411224365},{"word":"other","start":256.76,"end":256.92,"confidence":0.9111328,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.047230299562215805},{"word":"is","start":256.92,"end":257.08,"confidence":0.82958984,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.047970518469810486},{"word":"the","start":257.08,"end":257.16,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06483674049377441},{"word":"betashares","start":257.16,"end":257.66,"confidence":0.91137695,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.05552900955080986},{"word":"australian","start":257.96,"end":258.36,"confidence":0.98535156,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.05381122976541519},{"word":"200","start":258.36,"end":259.0,"confidence":0.9980469,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.05221923440694809},{"word":"etf","start":259.0,"end":259.5,"confidence":0.7626953,"punctuated_word":"ETF,","sentiment":"neutral","sentiment_score":0.045354120433330536},{"word":"and","start":259.64,"end":259.88,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.049689751118421555},{"word":"then","start":259.88,"end":260.04,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07154468446969986},{"word":"you've","start":260.04,"end":260.2,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07850925624370575},{"word":"also","start":260.2,"end":260.52,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.062407560646533966},{"word":"got","start":260.52,"end":260.68,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09168488532304764},{"word":"the","start":260.68,"end":260.84,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07044978439807892},{"word":"betashares","start":260.84,"end":261.34,"confidence":0.99853516,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.059530314058065414},{"word":"raffi","start":261.56,"end":262.06,"confidence":0.7508138,"punctuated_word":"Raffi","sentiment":"neutral","sentiment_score":0.0724460631608963},{"word":"australia","start":262.36,"end":262.86,"confidence":0.9526367,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.06300815939903259},{"word":"200","start":263.0,"end":263.64,"confidence":0.9797363,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.04878887161612511},{"word":"etf","start":263.64,"end":264.12,"confidence":0.9951172,"punctuated_word":"ETF","sentiment":"neutral","sentiment_score":0.033192653208971024},{"word":"there","start":264.12,"end":264.36,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09042768180370332},{"word":"as","start":264.36,"end":264.52,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10726596415042876},{"word":"well","start":264.52,"end":265.02,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08112175762653351},{"word":"essentially","start":266.26498,"end":266.76498,"confidence":0.9824219,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.00854774471372366},{"word":"with","start":266.82498,"end":267.065,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.000238075852394104},{"word":"the","start":267.065,"end":267.225,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03690000623464584},{"word":"bana","start":267.225,"end":267.54498,"confidence":0.3380127,"punctuated_word":"Bana","sentiment":"neutral","sentiment_score":0.007905617356300354},{"word":"long","start":267.54498,"end":267.705,"confidence":0.6699219,"punctuated_word":"Long","sentiment":"neutral","sentiment_score":0.014537952840328217},{"word":"one","start":267.705,"end":267.945,"confidence":0.9555664,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.001850895583629608},{"word":"if","start":267.945,"end":268.025,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03554889187216759},{"word":"you","start":268.025,"end":268.185,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010771922767162325},{"word":"look","start":268.185,"end":268.345,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.019536897540092468},{"word":"at","start":268.345,"end":268.505,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.020052269101142883},{"word":"the","start":268.505,"end":268.585,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0004363656044006348},{"word":"very","start":268.585,"end":268.905,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.004703067243099213},{"word":"last","start":268.905,"end":269.145,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.00043717771768569946},{"word":"column","start":269.145,"end":269.465,"confidence":0.9831543,"punctuated_word":"column,","sentiment":"neutral","sentiment_score":-0.0015166811645030975},{"word":"you","start":269.465,"end":269.625,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004225343465805054},{"word":"actually","start":269.625,"end":269.945,"confidence":0.8935547,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.016814500093460083},{"word":"see","start":269.945,"end":270.10498,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.016434982419013977},{"word":"that","start":270.10498,"end":270.26498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05299287289381027},{"word":"we","start":270.26498,"end":270.425,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10944348573684692},{"word":"have","start":270.425,"end":270.745,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.14581456780433655},{"word":"sold","start":270.745,"end":270.905,"confidence":0.9970703,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":-0.11944940686225893},{"word":"that","start":270.905,"end":271.145,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14329959452152252},{"word":"one","start":271.145,"end":271.38498,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.1237149015069008},{"word":"completely","start":271.38498,"end":271.865,"confidence":1.0,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.06611033529043198},{"word":"out","start":271.865,"end":272.185,"confidence":0.9226074,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.06930659711360931},{"word":"so","start":272.185,"end":272.345,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13770057260990143},{"word":"that","start":272.345,"end":272.585,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.30468177795410156},{"word":"investment","start":272.585,"end":273.085,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.29929161071777344},{"word":"was","start":273.145,"end":273.38498,"confidence":1.0,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.3362012505531311},{"word":"also","start":273.38498,"end":273.705,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.32671576738357544},{"word":"underperforming","start":273.705,"end":274.205,"confidence":0.9875488,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.29297804832458496},{"word":"within","start":274.425,"end":274.745,"confidence":1.0,"punctuated_word":"within","sentiment":"negative","sentiment_score":-0.4386347532272339},{"word":"your","start":274.745,"end":274.985,"confidence":0.984375,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.40979254245758057},{"word":"super","start":274.985,"end":275.465,"confidence":0.72021484,"punctuated_word":"super","sentiment":"negative","sentiment_score":-0.4059223234653473},{"word":"over","start":275.465,"end":275.625,"confidence":0.95410156,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.3322964310646057},{"word":"the","start":275.625,"end":275.785,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3748926520347595},{"word":"last","start":275.785,"end":276.185,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.3262724280357361},{"word":"few","start":276.185,"end":276.505,"confidence":0.8310547,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.32379230856895447},{"word":"months","start":276.505,"end":276.905,"confidence":0.9951172,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.3042318820953369},{"word":"there","start":276.905,"end":277.145,"confidence":0.98779297,"punctuated_word":"there.","sentiment":"negative","sentiment_score":-0.3342733681201935},{"word":"so","start":277.145,"end":277.645,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1512400507926941},{"word":"as","start":277.72998,"end":277.97,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.20383399724960327},{"word":"soon","start":277.97,"end":278.05,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":-0.2586067020893097},{"word":"as","start":278.05,"end":278.13,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2241889387369156},{"word":"we","start":278.13,"end":278.37,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.23838570713996887},{"word":"did","start":278.37,"end":278.61,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.17026782035827637},{"word":"notice","start":278.61,"end":278.93,"confidence":0.99316406,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":-0.14572283625602722},{"word":"that","start":278.93,"end":279.16998,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2708427608013153},{"word":"early","start":279.16998,"end":279.49,"confidence":0.9536133,"punctuated_word":"early","sentiment":"negative","sentiment_score":-0.3772984743118286},{"word":"this","start":279.49,"end":279.65,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.322255402803421},{"word":"year","start":279.65,"end":279.88998,"confidence":0.9980469,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.27508336305618286},{"word":"we","start":279.88998,"end":280.05,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.28148624300956726},{"word":"had","start":280.05,"end":280.29,"confidence":0.9741211,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.3248152732849121},{"word":"removed","start":280.29,"end":280.69,"confidence":0.9921875,"punctuated_word":"removed","sentiment":"neutral","sentiment_score":-0.32933542132377625},{"word":"that","start":280.69,"end":280.85,"confidence":0.9980469,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.37503042817115784},{"word":"from","start":280.85,"end":281.00998,"confidence":1.0,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.37610867619514465},{"word":"your","start":281.00998,"end":281.33,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.28645187616348267},{"word":"portfolio","start":281.33,"end":281.83,"confidence":0.9995117,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.3206504285335541},{"word":"we","start":282.53,"end":282.61,"confidence":0.5288086,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.10977548360824584},{"word":"had","start":282.61,"end":282.93,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.14999930560588837},{"word":"originally","start":282.93,"end":283.33,"confidence":1.0,"punctuated_word":"originally","sentiment":"neutral","sentiment_score":-0.08550865948200226},{"word":"sent","start":283.33,"end":283.72998,"confidence":0.9970703,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":-0.08647693693637848},{"word":"a","start":283.72998,"end":283.97,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10412819683551788},{"word":"record","start":283.97,"end":284.29,"confidence":0.98291016,"punctuated_word":"record","sentiment":"neutral","sentiment_score":-0.0996314138174057},{"word":"of","start":284.29,"end":284.53,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0725615844130516},{"word":"advice","start":284.53,"end":284.93,"confidence":0.98828125,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.05493556335568428},{"word":"to","start":284.93,"end":285.09,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.028270404785871502},{"word":"you","start":285.09,"end":285.25,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011067390441894531},{"word":"in","start":285.25,"end":285.49,"confidence":0.56347656,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0006725192070007324},{"word":"email","start":285.49,"end":285.88998,"confidence":0.9863281,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.006384946405887604},{"word":"back","start":285.88998,"end":286.13,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.011762842535972595},{"word":"in","start":286.13,"end":286.37,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0071502141654491425},{"word":"march","start":286.37,"end":286.61,"confidence":0.99853516,"punctuated_word":"March.","sentiment":"neutral","sentiment_score":-0.030116060748696327},{"word":"do","start":286.61,"end":286.85,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.025407148525118828},{"word":"you","start":286.85,"end":286.93,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01570846512913704},{"word":"remember","start":286.93,"end":287.41,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.01457158848643303},{"word":"seeing","start":287.41,"end":287.72998,"confidence":0.9980469,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":-0.021846845746040344},{"word":"that","start":287.72998,"end":287.97,"confidence":0.91748047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.026325134560465813},{"word":"email","start":287.97,"end":288.28998,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.024768292903900143},{"word":"there","start":288.28998,"end":288.53,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.03127157688140869},{"word":"at","start":288.53,"end":288.61,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05870338156819344},{"word":"all","start":288.61,"end":289.11,"confidence":0.9995117,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.03322704881429672},{"word":"that's","start":292.785,"end":293.185,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.028288643807172775},{"word":"okay","start":293.185,"end":293.685,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.06212860345840454},{"word":"life","start":295.82498,"end":296.145,"confidence":0.9536133,"punctuated_word":"Life","sentiment":"neutral","sentiment_score":-0.05632431805133819},{"word":"gets","start":296.145,"end":296.465,"confidence":0.99609375,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.010798901319503784},{"word":"very","start":296.465,"end":296.785,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.03627794981002808},{"word":"busy","start":296.785,"end":297.10498,"confidence":0.99902344,"punctuated_word":"busy.","sentiment":"neutral","sentiment_score":0.028900988399982452},{"word":"it's","start":297.10498,"end":297.425,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1564573347568512},{"word":"honestly","start":297.425,"end":297.82498,"confidence":0.9819336,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":0.23922914266586304},{"word":"not","start":297.82498,"end":298.065,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2032017707824707},{"word":"a","start":298.065,"end":298.145,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10486551374197006},{"word":"problem","start":298.145,"end":298.465,"confidence":0.93359375,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.19892172515392303},{"word":"that's","start":298.465,"end":298.785,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.17751026153564453},{"word":"why","start":298.785,"end":298.945,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.0763334259390831},{"word":"i","start":298.945,"end":299.10498,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17936763167381287},{"word":"wanted","start":299.10498,"end":299.345,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.21451328694820404},{"word":"to","start":299.345,"end":299.505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20617765188217163},{"word":"make","start":299.505,"end":299.585,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17304635047912598},{"word":"sure","start":299.585,"end":299.82498,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.19126731157302856},{"word":"i","start":299.82498,"end":299.905,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15930651128292084},{"word":"brought","start":299.905,"end":300.145,"confidence":0.99902344,"punctuated_word":"brought","sentiment":"neutral","sentiment_score":0.12567199766635895},{"word":"it","start":300.145,"end":300.305,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1587425172328949},{"word":"up","start":300.305,"end":300.54498,"confidence":0.5839844,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.12054383754730225},{"word":"with","start":300.54498,"end":300.785,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12127721309661864},{"word":"you","start":300.785,"end":300.945,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2323964238166809},{"word":"it's","start":300.945,"end":301.185,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6279706358909607},{"word":"all","start":301.185,"end":301.425,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.587002158164978},{"word":"good","start":301.425,"end":301.925,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4976854026317597},{"word":"we","start":302.305,"end":302.54498,"confidence":0.6386719,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.04282209277153015},{"word":"sent","start":302.54498,"end":302.785,"confidence":0.9951172,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.0628361850976944},{"word":"that","start":302.785,"end":303.025,"confidence":0.75341797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06253497302532196},{"word":"email","start":303.025,"end":303.345,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.06162165105342865},{"word":"back","start":303.345,"end":303.585,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.01416974514722824},{"word":"in","start":303.585,"end":303.745,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.023876450955867767},{"word":"march","start":303.745,"end":304.065,"confidence":0.99902344,"punctuated_word":"March","sentiment":"neutral","sentiment_score":0.02674412727355957},{"word":"to","start":304.065,"end":304.225,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0056676119565963745},{"word":"let","start":304.225,"end":304.38498,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.03273078799247742},{"word":"you","start":304.38498,"end":304.54498,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06689054518938065},{"word":"know","start":304.54498,"end":304.705,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.026759982109069824},{"word":"we","start":304.705,"end":304.865,"confidence":0.9741211,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.018542759120464325},{"word":"had","start":304.865,"end":305.185,"confidence":0.9770508,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.00021863728761672976},{"word":"been","start":305.185,"end":305.425,"confidence":0.72021484,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.009419247508049011},{"word":"looking","start":305.425,"end":305.745,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.022015437483787537},{"word":"at","start":305.745,"end":305.88,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.054893650114536285},{"word":"the","start":305.88,"end":306.04,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08348661661148071},{"word":"investments","start":306.04,"end":306.36002,"confidence":0.9716797,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.06504121422767639},{"word":"and","start":306.36002,"end":306.68,"confidence":0.9667969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09125196933746338},{"word":"had","start":306.68,"end":306.92,"confidence":0.9892578,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.07739980518817902},{"word":"noticed","start":306.92,"end":307.16,"confidence":0.96972656,"punctuated_word":"noticed","sentiment":"neutral","sentiment_score":-0.06148112565279007},{"word":"that","start":307.16,"end":307.32,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12124563753604888},{"word":"this","start":307.32,"end":307.56,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2822103798389435},{"word":"was","start":307.56,"end":307.72,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2389867901802063},{"word":"an","start":307.72,"end":307.88,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.30735328793525696},{"word":"underperforming","start":307.88,"end":308.38,"confidence":0.9926758,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.28840363025665283},{"word":"fund","start":308.68,"end":309.0,"confidence":0.72753906,"punctuated_word":"fund,","sentiment":"negative","sentiment_score":-0.3496071696281433},{"word":"so","start":309.0,"end":309.16,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.13257595896720886},{"word":"we","start":309.16,"end":309.32,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1911329925060272},{"word":"wanted","start":309.32,"end":309.56,"confidence":0.9970703,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.21067455410957336},{"word":"to","start":309.56,"end":309.72,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.28133729100227356},{"word":"remove","start":309.72,"end":310.12,"confidence":0.9980469,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.3168363869190216},{"word":"that","start":310.12,"end":310.28,"confidence":0.8442383,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.33119702339172363},{"word":"out","start":310.28,"end":310.36002,"confidence":0.9941406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.3134038746356964},{"word":"of","start":310.36002,"end":310.52002,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2892429828643799},{"word":"your","start":310.52002,"end":310.68,"confidence":0.98095703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1875588446855545},{"word":"portfolio","start":310.68,"end":311.18,"confidence":0.99658203,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.2455495148897171},{"word":"it","start":311.88,"end":311.96,"confidence":0.87060547,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.08917494118213654},{"word":"is","start":311.96,"end":312.2,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.052470311522483826},{"word":"important","start":312.2,"end":312.6,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.07941456884145737},{"word":"that","start":312.6,"end":312.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04488322138786316},{"word":"we","start":312.76,"end":313.0,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06660739332437515},{"word":"review","start":313.0,"end":313.4,"confidence":0.9980469,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.14223434031009674},{"word":"portfolios","start":313.4,"end":313.9,"confidence":0.97509766,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":-0.14304828643798828},{"word":"regularly","start":314.12,"end":314.52002,"confidence":0.9941406,"punctuated_word":"regularly","sentiment":"neutral","sentiment_score":-0.04254685342311859},{"word":"because","start":314.52002,"end":314.92,"confidence":0.79833984,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07438704371452332},{"word":"investors","start":314.92,"end":315.32,"confidence":0.4921875,"punctuated_word":"investors","sentiment":"neutral","sentiment_score":-0.19509240984916687},{"word":"that","start":315.32,"end":315.56,"confidence":0.9267578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.23521606624126432},{"word":"worked","start":315.56,"end":315.80002,"confidence":0.5131836,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":-0.1595892608165741},{"word":"a","start":315.80002,"end":315.96,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1713966727256775},{"word":"couple","start":315.96,"end":316.2,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.21911469101905823},{"word":"of","start":316.2,"end":316.28,"confidence":0.68066406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1879812777042389},{"word":"years","start":316.28,"end":316.6,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.1547781378030777},{"word":"ago","start":316.6,"end":316.92,"confidence":1.0,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":-0.15196719765663147},{"word":"might","start":316.92,"end":317.08002,"confidence":0.9970703,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.28082624077796936},{"word":"not","start":317.08002,"end":317.32,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.23818159103393555},{"word":"be","start":317.32,"end":317.48,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2383975088596344},{"word":"working","start":317.48,"end":317.80002,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.24874387681484225},{"word":"now","start":317.80002,"end":318.285,"confidence":0.90625,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.21596407890319824},{"word":"and","start":318.365,"end":318.525,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16004814207553864},{"word":"different","start":318.525,"end":318.92502,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.22847913205623627},{"word":"investments","start":318.92502,"end":319.325,"confidence":0.9838867,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.13835111260414124},{"word":"need","start":319.325,"end":319.565,"confidence":0.9941406,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.15478873252868652},{"word":"to","start":319.565,"end":319.725,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.152988463640213},{"word":"be","start":319.725,"end":319.885,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.17223787307739258},{"word":"switched","start":319.885,"end":320.125,"confidence":0.9980469,"punctuated_word":"switched","sentiment":"neutral","sentiment_score":-0.1750403344631195},{"word":"out","start":320.125,"end":320.365,"confidence":0.9790039,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1312168687582016},{"word":"and","start":320.365,"end":320.525,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11265577375888824},{"word":"changed","start":320.525,"end":320.92502,"confidence":0.9819336,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.10502950847148897},{"word":"as","start":320.92502,"end":321.165,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.10139504075050354},{"word":"you","start":321.165,"end":321.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04870743304491043},{"word":"work","start":321.325,"end":321.565,"confidence":0.97265625,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.05864559859037399},{"word":"towards","start":321.565,"end":322.045,"confidence":0.99902344,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":-0.0942542850971222},{"word":"your","start":322.045,"end":322.285,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0795603096485138},{"word":"long","start":322.285,"end":322.445,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.035155780613422394},{"word":"term","start":322.445,"end":322.765,"confidence":0.99902344,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.007738634943962097},{"word":"goals","start":322.765,"end":323.085,"confidence":0.9980469,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":-0.05595184117555618},{"word":"of","start":323.085,"end":323.325,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06203167140483856},{"word":"retirement","start":323.325,"end":323.825,"confidence":0.9921875,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":-0.07070790976285934},{"word":"there","start":323.885,"end":324.385,"confidence":0.99560547,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.06480575352907181},{"word":"so","start":324.605,"end":324.845,"confidence":0.6196289,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.008063189685344696},{"word":"we","start":324.845,"end":325.085,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01002144068479538},{"word":"actually","start":325.085,"end":325.48502,"confidence":0.98535156,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.013230755925178528},{"word":"removed","start":325.48502,"end":325.885,"confidence":0.94628906,"punctuated_word":"removed","sentiment":"neutral","sentiment_score":-0.062076304107904434},{"word":"the","start":325.885,"end":326.045,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08297055959701538},{"word":"benelon","start":326.045,"end":326.525,"confidence":0.46451822,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":-0.0812726840376854},{"word":"australian","start":326.525,"end":327.005,"confidence":0.89453125,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.05370629578828811},{"word":"equities","start":327.005,"end":327.505,"confidence":0.81689453,"punctuated_word":"Equities,","sentiment":"neutral","sentiment_score":-0.03624509274959564},{"word":"and","start":327.565,"end":327.725,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.005967386066913605},{"word":"we","start":327.725,"end":327.965,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.006669558584690094},{"word":"replaced","start":327.965,"end":328.445,"confidence":0.97802734,"punctuated_word":"replaced","sentiment":"neutral","sentiment_score":-0.009613998234272003},{"word":"it","start":328.445,"end":328.605,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0037895292043685913},{"word":"with","start":328.605,"end":328.765,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.00012968480587005615},{"word":"the","start":328.765,"end":328.925,"confidence":0.96777344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022487379610538483},{"word":"betashares","start":328.925,"end":329.425,"confidence":0.73291016,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.034845322370529175},{"word":"a","start":329.645,"end":329.965,"confidence":0.95703125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0019744038581848145},{"word":"200","start":329.965,"end":330.625,"confidence":0.9949951,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":-0.015727845951914787},{"word":"one","start":331.52,"end":331.75998,"confidence":0.99121094,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.1460939645767212},{"word":"of","start":331.75998,"end":331.91998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15279792249202728},{"word":"the","start":331.91998,"end":332.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14612558484077454},{"word":"biggest","start":332.0,"end":332.4,"confidence":1.0,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":-0.16947822272777557},{"word":"chain","start":332.4,"end":332.63998,"confidence":0.7216797,"punctuated_word":"chain","sentiment":"neutral","sentiment_score":-0.19998545944690704},{"word":"reasons","start":332.88,"end":333.28,"confidence":0.8496094,"punctuated_word":"reasons","sentiment":"neutral","sentiment_score":-0.20192022621631625},{"word":"for","start":333.28,"end":333.44,"confidence":0.98828125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.22510170936584473},{"word":"making","start":333.44,"end":333.75998,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.2016136795282364},{"word":"the","start":333.75998,"end":333.91998,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24663995206356049},{"word":"change","start":333.91998,"end":334.31998,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.23310083150863647},{"word":"were","start":334.31998,"end":334.56,"confidence":0.68603516,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.21871456503868103},{"word":"partly","start":334.56,"end":335.03998,"confidence":0.97998047,"punctuated_word":"partly","sentiment":"neutral","sentiment_score":-0.21571913361549375},{"word":"because","start":335.03998,"end":335.28,"confidence":0.99121094,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.17397093772888184},{"word":"of","start":335.28,"end":335.44,"confidence":0.9633789,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2204744815826416},{"word":"the","start":335.44,"end":335.6,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27511823177337646},{"word":"underperformance","start":335.6,"end":336.1,"confidence":0.9655762,"punctuated_word":"underperformance","sentiment":"neutral","sentiment_score":-0.25045785307884216},{"word":"of","start":336.31998,"end":336.4,"confidence":0.8442383,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3516954183578491},{"word":"bennelong","start":336.4,"end":336.9,"confidence":0.8909505,"punctuated_word":"Bennelong.","sentiment":"neutral","sentiment_score":-0.2765403985977173},{"word":"but","start":337.28,"end":337.44,"confidence":0.80322266,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.2219972312450409},{"word":"bennelong","start":337.44,"end":337.91998,"confidence":0.99902344,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.2727735936641693},{"word":"is","start":337.91998,"end":338.08,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3666127026081085},{"word":"more","start":338.08,"end":338.24,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.3229466676712036},{"word":"of","start":338.24,"end":338.31998,"confidence":0.9970703,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4054330885410309},{"word":"an","start":338.31998,"end":338.47998,"confidence":0.99902344,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.3660762906074524},{"word":"actively","start":338.47998,"end":338.88,"confidence":1.0,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":-0.2320568859577179},{"word":"managed","start":338.88,"end":339.19998,"confidence":0.9951172,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.2773340046405792},{"word":"fund","start":339.19998,"end":339.44,"confidence":0.95092773,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.1859511286020279},{"word":"and","start":339.44,"end":339.68,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18281759321689608},{"word":"the","start":339.68,"end":339.75998,"confidence":0.9741211,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3544606566429138},{"word":"fund","start":339.75998,"end":340.08,"confidence":0.9970703,"punctuated_word":"fund","sentiment":"negative","sentiment_score":-0.38224849104881287},{"word":"manager","start":340.08,"end":340.4,"confidence":0.99902344,"punctuated_word":"manager","sentiment":"negative","sentiment_score":-0.3758634328842163},{"word":"hasn't","start":340.4,"end":340.72,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"negative","sentiment_score":-0.3726292252540589},{"word":"been","start":340.72,"end":340.96,"confidence":0.9980469,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.3484017848968506},{"word":"able","start":340.96,"end":341.19998,"confidence":0.9980469,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.34756189584732056},{"word":"to","start":341.19998,"end":341.36,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2804473042488098},{"word":"outperform","start":341.36,"end":341.86,"confidence":0.9926758,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":-0.20202693343162537},{"word":"against","start":341.91998,"end":342.31998,"confidence":0.99902344,"punctuated_word":"against","sentiment":"neutral","sentiment_score":-0.2173838317394257},{"word":"the","start":342.31998,"end":342.47998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24061018228530884},{"word":"market","start":342.47998,"end":342.97998,"confidence":0.74780273,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.2366573661565781},{"word":"so","start":343.03998,"end":343.53998,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.29172730445861816},{"word":"it's","start":343.75998,"end":343.91998,"confidence":0.9926758,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.4737794101238251},{"word":"not","start":343.91998,"end":344.16,"confidence":0.99902344,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5534511804580688},{"word":"been","start":344.16,"end":344.47998,"confidence":0.9550781,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.5185573101043701},{"word":"doing","start":344.47998,"end":344.72,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"negative","sentiment_score":-0.5232486128807068},{"word":"very","start":344.72,"end":345.03998,"confidence":1.0,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.452812135219574},{"word":"well","start":345.03998,"end":345.53998,"confidence":1.0,"punctuated_word":"well.","sentiment":"negative","sentiment_score":-0.4457073509693146},{"word":"bennelong","start":345.91498,"end":346.41498,"confidence":0.6953125,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.18434230983257296},{"word":"also","start":346.555,"end":346.875,"confidence":0.9941406,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.1684710681438446},{"word":"generally","start":346.875,"end":347.35498,"confidence":0.97314453,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":-0.13801416754722595},{"word":"holds","start":347.35498,"end":347.675,"confidence":0.98828125,"punctuated_word":"holds","sentiment":"neutral","sentiment_score":-0.15278244018554688},{"word":"between","start":347.675,"end":347.995,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.1493916213512421},{"word":"15","start":347.995,"end":348.395,"confidence":0.99902344,"punctuated_word":"15","sentiment":"neutral","sentiment_score":-0.09130831062793732},{"word":"to","start":348.395,"end":348.63498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1425347477197647},{"word":"25","start":348.63498,"end":349.275,"confidence":1.0,"punctuated_word":"25","sentiment":"neutral","sentiment_score":-0.09194154292345048},{"word":"different","start":349.275,"end":349.775,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.03141174092888832},{"word":"companies","start":350.07498,"end":350.555,"confidence":0.99316406,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":-0.05329924076795578},{"word":"within","start":350.555,"end":350.875,"confidence":0.99902344,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.06119086220860481},{"word":"that","start":350.875,"end":351.115,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12224476039409636},{"word":"investment","start":351.115,"end":351.595,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.08925386518239975},{"word":"option","start":351.595,"end":352.095,"confidence":0.9663086,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":-0.07673383504152298},{"word":"so","start":352.235,"end":352.47498,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08055681735277176},{"word":"we've","start":352.47498,"end":352.715,"confidence":0.9975586,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.12227394431829453},{"word":"replaced","start":352.715,"end":353.115,"confidence":0.9941406,"punctuated_word":"replaced","sentiment":"neutral","sentiment_score":0.10015228390693665},{"word":"it","start":353.115,"end":353.19498,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07412249594926834},{"word":"with","start":353.19498,"end":353.35498,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1118687242269516},{"word":"the","start":353.35498,"end":353.51498,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12843452394008636},{"word":"betashares","start":353.51498,"end":354.01498,"confidence":0.7167969,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.08852409571409225},{"word":"a","start":354.315,"end":354.47498,"confidence":0.9658203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10856808722019196},{"word":"200","start":354.47498,"end":355.03497,"confidence":0.9814453,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.0975264310836792},{"word":"which","start":355.03497,"end":355.275,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.11677122116088869},{"word":"is","start":355.275,"end":355.435,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08791239559650421},{"word":"giving","start":355.435,"end":355.75497,"confidence":0.9980469,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.1029425486922264},{"word":"you","start":355.75497,"end":355.995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10976476222276688},{"word":"exposure","start":355.995,"end":356.395,"confidence":0.99121094,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.09358477592468262},{"word":"to","start":356.395,"end":356.555,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1150193139910698},{"word":"the","start":356.555,"end":356.715,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12171676009893416},{"word":"top","start":356.715,"end":356.955,"confidence":0.99902344,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.10598406195640564},{"word":"200","start":356.955,"end":357.51498,"confidence":1.0,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.1311207413673401},{"word":"companies","start":357.51498,"end":358.01498,"confidence":1.0,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.11733656376600266},{"word":"on","start":358.07498,"end":358.235,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1209164559841156},{"word":"the","start":358.235,"end":358.47498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10728900879621506},{"word":"asx","start":358.47498,"end":358.97498,"confidence":0.9070638,"punctuated_word":"ASX.","sentiment":"neutral","sentiment_score":0.10639023035764694},{"word":"so","start":359.82,"end":360.06,"confidence":0.96777344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10935836285352708},{"word":"that","start":360.06,"end":360.22,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15069060027599335},{"word":"is","start":360.22,"end":360.46,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12190215289592744},{"word":"essentially","start":360.46,"end":360.86,"confidence":0.9013672,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.140949547290802},{"word":"tracking","start":360.86,"end":361.18,"confidence":0.99902344,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.20035138726234436},{"word":"the","start":361.18,"end":361.34,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1998516470193863},{"word":"top","start":361.34,"end":361.66,"confidence":0.99902344,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.21381185948848724},{"word":"200","start":361.66,"end":362.13998,"confidence":0.9995117,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.2621234059333801},{"word":"companies","start":362.13998,"end":362.54,"confidence":0.9433594,"punctuated_word":"companies.","sentiment":"neutral","sentiment_score":0.19461756944656372},{"word":"so","start":362.54,"end":362.78,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23303967714309692},{"word":"it's","start":362.78,"end":362.94,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3759735524654389},{"word":"helping","start":362.94,"end":363.26,"confidence":0.99902344,"punctuated_word":"helping","sentiment":"positive","sentiment_score":0.41439053416252136},{"word":"to","start":363.26,"end":363.34,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3391926884651184},{"word":"lower","start":363.34,"end":363.66,"confidence":0.99902344,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.31595754623413086},{"word":"the","start":363.66,"end":363.82,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4316758215427398},{"word":"risk","start":363.82,"end":364.06,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.2169065773487091},{"word":"level","start":364.06,"end":364.38,"confidence":1.0,"punctuated_word":"level","sentiment":"positive","sentiment_score":0.37029775977134705},{"word":"of","start":364.38,"end":364.54,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4820538461208343},{"word":"your","start":364.54,"end":364.78,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4385005235671997},{"word":"portfolio","start":364.78,"end":365.28,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2708905041217804},{"word":"and","start":365.74,"end":365.98,"confidence":0.9819336,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35381773114204407},{"word":"providing","start":365.98,"end":366.38,"confidence":0.99902344,"punctuated_word":"providing","sentiment":"positive","sentiment_score":0.37098538875579834},{"word":"greater","start":366.38,"end":366.78,"confidence":0.9873047,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.3404242992401123},{"word":"diversification","start":366.78,"end":367.28,"confidence":0.9866536,"punctuated_word":"diversification.","sentiment":"positive","sentiment_score":0.3840304017066955},{"word":"so","start":367.82,"end":368.06,"confidence":0.64697266,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2640506625175476},{"word":"diversification","start":368.06,"end":368.56,"confidence":0.9995117,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.31379520893096924},{"word":"is","start":368.86,"end":369.1,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2683844268321991},{"word":"making","start":369.1,"end":369.34,"confidence":0.99902344,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.34476956725120544},{"word":"sure","start":369.34,"end":369.58,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.34950435161590576},{"word":"you're","start":369.58,"end":369.82,"confidence":0.9584961,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3194504976272583},{"word":"spreading","start":369.82,"end":370.22,"confidence":0.9980469,"punctuated_word":"spreading","sentiment":"positive","sentiment_score":0.3652070164680481},{"word":"your","start":370.22,"end":370.46,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31030866503715515},{"word":"risk","start":370.46,"end":370.69998,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.14348265528678894},{"word":"level","start":370.69998,"end":371.02,"confidence":0.9970703,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.2307373285293579},{"word":"across","start":371.02,"end":371.34,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.2855539619922638},{"word":"lots","start":371.34,"end":371.58,"confidence":0.69433594,"punctuated_word":"lots","sentiment":"neutral","sentiment_score":0.32684850692749023},{"word":"of","start":371.58,"end":371.74,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2766450047492981},{"word":"different","start":371.74,"end":372.06,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.21188360452651975},{"word":"companies","start":372.06,"end":372.54,"confidence":0.9995117,"punctuated_word":"companies,","sentiment":"neutral","sentiment_score":0.24715903401374817},{"word":"different","start":372.54,"end":372.94,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.2306702136993408},{"word":"industries","start":372.94,"end":373.41998,"confidence":0.9482422,"punctuated_word":"industries,","sentiment":"neutral","sentiment_score":0.2283594906330109},{"word":"and","start":373.41998,"end":373.58,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2983304560184479},{"word":"different","start":373.58,"end":373.9,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.2316373586654663},{"word":"asset","start":373.9,"end":374.3,"confidence":0.99609375,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.15138407051563263},{"word":"classes","start":374.3,"end":374.8,"confidence":0.9980469,"punctuated_word":"classes","sentiment":"neutral","sentiment_score":0.2642754018306732},{"word":"as","start":375.055,"end":375.29498,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.26977530121803284},{"word":"well","start":375.29498,"end":375.375,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.3074696958065033},{"word":"as","start":375.375,"end":375.535,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2811286449432373},{"word":"different","start":375.535,"end":376.01498,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.18932411074638367},{"word":"countries","start":376.01498,"end":376.495,"confidence":1.0,"punctuated_word":"countries","sentiment":"neutral","sentiment_score":0.17481911182403564},{"word":"there","start":376.495,"end":376.735,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3204321563243866},{"word":"as","start":376.735,"end":376.895,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.290795236825943},{"word":"well","start":376.895,"end":377.29498,"confidence":0.98583984,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.28420406579971313},{"word":"so","start":377.29498,"end":377.79498,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.49399301409721375},{"word":"it","start":378.25497,"end":378.41498,"confidence":0.61376953,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.7027155756950378},{"word":"has","start":378.41498,"end":378.655,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6791558861732483},{"word":"worked","start":378.655,"end":378.97498,"confidence":1.0,"punctuated_word":"worked","sentiment":"positive","sentiment_score":0.7351221442222595},{"word":"out","start":378.97498,"end":379.215,"confidence":0.99316406,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.7368598580360413},{"word":"really","start":379.215,"end":379.455,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7118303179740906},{"word":"well","start":379.455,"end":379.85498,"confidence":0.9135742,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.7049015760421753},{"word":"and","start":379.85498,"end":380.175,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5614008903503418},{"word":"since","start":380.175,"end":380.41498,"confidence":1.0,"punctuated_word":"since","sentiment":"positive","sentiment_score":0.5933895707130432},{"word":"we","start":380.41498,"end":380.655,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5591187477111816},{"word":"made","start":380.655,"end":380.895,"confidence":0.93115234,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.5930551290512085},{"word":"that","start":380.895,"end":381.13498,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6204048991203308},{"word":"change","start":381.13498,"end":381.455,"confidence":0.99902344,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.4385136365890503},{"word":"in","start":381.455,"end":381.69498,"confidence":0.9892578,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4616086184978485},{"word":"the","start":381.69498,"end":381.85498,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.45628622174263},{"word":"last","start":381.85498,"end":382.175,"confidence":1.0,"punctuated_word":"last","sentiment":"positive","sentiment_score":0.3815802335739136},{"word":"three","start":382.175,"end":382.41498,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.30390480160713196},{"word":"months","start":382.41498,"end":382.815,"confidence":0.99853516,"punctuated_word":"months,","sentiment":"positive","sentiment_score":0.3899418115615845},{"word":"we","start":382.815,"end":382.97498,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5490517616271973},{"word":"have","start":382.97498,"end":383.29498,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5947475433349609},{"word":"seen","start":383.29498,"end":383.79498,"confidence":0.3503418,"punctuated_word":"seen","sentiment":"positive","sentiment_score":0.6390268802642822},{"word":"a","start":384.25497,"end":384.495,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5839662551879883},{"word":"6%","start":384.495,"end":385.29498,"confidence":0.99853516,"punctuated_word":"6%","sentiment":"positive","sentiment_score":0.5581656694412231},{"word":"return","start":385.29498,"end":385.775,"confidence":0.9980469,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.5955657362937927},{"word":"net","start":385.775,"end":386.01498,"confidence":0.90771484,"punctuated_word":"net","sentiment":"positive","sentiment_score":0.5905444025993347},{"word":"of","start":386.01498,"end":386.175,"confidence":0.97314453,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4483418762683869},{"word":"fees","start":386.175,"end":386.495,"confidence":0.97314453,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.46988511085510254},{"word":"for","start":386.495,"end":386.655,"confidence":0.9951172,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.47104084491729736},{"word":"your","start":386.655,"end":386.815,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4477451741695404},{"word":"portfolio","start":386.815,"end":387.315,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.35577157139778137},{"word":"in","start":387.53497,"end":387.775,"confidence":0.9970703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4659453332424164},{"word":"that","start":387.775,"end":387.935,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4750509262084961},{"word":"three","start":387.935,"end":388.25497,"confidence":1.0,"punctuated_word":"three","sentiment":"positive","sentiment_score":0.35409480333328247},{"word":"month","start":388.25497,"end":388.57498,"confidence":0.97265625,"punctuated_word":"month","sentiment":"positive","sentiment_score":0.3694233000278473},{"word":"period","start":388.57498,"end":389.055,"confidence":1.0,"punctuated_word":"period","sentiment":"positive","sentiment_score":0.4502204358577728},{"word":"there","start":389.055,"end":389.29498,"confidence":0.9592285,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.405922532081604},{"word":"so","start":389.29498,"end":389.79498,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5440995693206787},{"word":"it","start":389.9,"end":390.06,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.7220875024795532},{"word":"has","start":390.06,"end":390.30002,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6820014119148254},{"word":"definitely","start":390.30002,"end":390.78,"confidence":0.99609375,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.7251788377761841},{"word":"been","start":390.78,"end":391.02002,"confidence":0.9980469,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.6960234642028809},{"word":"working","start":391.02002,"end":391.42,"confidence":0.98291016,"punctuated_word":"working.","sentiment":"positive","sentiment_score":0.7138070464134216},{"word":"your","start":391.42,"end":391.66,"confidence":0.99902344,"punctuated_word":"Your","sentiment":"positive","sentiment_score":0.6381826400756836},{"word":"portfolio","start":391.66,"end":392.16,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.5147769451141357},{"word":"has","start":392.30002,"end":392.62,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6465731859207153},{"word":"recovered","start":392.62,"end":393.1,"confidence":1.0,"punctuated_word":"recovered","sentiment":"positive","sentiment_score":0.7012790441513062},{"word":"from","start":393.1,"end":393.34,"confidence":0.99902344,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.6086945533752441},{"word":"that","start":393.34,"end":393.84,"confidence":0.92211914,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.535163164138794},{"word":"and","start":393.98,"end":394.14,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5171715617179871},{"word":"it's","start":394.14,"end":394.38,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.49973809719085693},{"word":"about","start":394.38,"end":394.7,"confidence":0.99902344,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.4632984101772308},{"word":"building","start":394.7,"end":395.18,"confidence":0.99902344,"punctuated_word":"building","sentiment":"positive","sentiment_score":0.5911984443664551},{"word":"on","start":395.18,"end":395.34,"confidence":0.9970703,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.656240701675415},{"word":"that","start":395.34,"end":395.58002,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5948646068572998},{"word":"moving","start":395.58002,"end":395.98,"confidence":0.9086914,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.556799054145813},{"word":"forward","start":395.98,"end":396.30002,"confidence":0.92089844,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.606401801109314},{"word":"there","start":396.30002,"end":396.62,"confidence":0.9838867,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.5413713455200195},{"word":"for","start":396.62,"end":396.86002,"confidence":0.9970703,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.45076224207878113},{"word":"you","start":396.86002,"end":397.26,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3732626140117645},{"word":"do","start":397.58002,"end":397.74002,"confidence":0.9951172,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.07545991241931915},{"word":"you","start":397.74002,"end":397.9,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08457735180854797},{"word":"have","start":397.9,"end":398.14,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06977067142724991},{"word":"any","start":398.14,"end":398.38,"confidence":0.99121094,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06927353888750076},{"word":"questions","start":398.38,"end":398.86002,"confidence":0.9951172,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.06692463904619217},{"word":"about","start":398.86002,"end":399.1,"confidence":0.98535156,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06132914870977402},{"word":"any","start":399.1,"end":399.34,"confidence":0.9921875,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09569572657346724},{"word":"of","start":399.34,"end":399.42,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09169875085353851},{"word":"that","start":399.42,"end":399.66,"confidence":0.98095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12692639231681824},{"word":"thus","start":399.66,"end":399.9,"confidence":0.8935547,"punctuated_word":"thus","sentiment":"neutral","sentiment_score":0.09100359678268433},{"word":"far","start":399.9,"end":400.4,"confidence":0.9880371,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.11539754271507265},{"word":"no","start":402.38,"end":402.88,"confidence":0.6621094,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":0.025791268795728683},{"word":"yeah","start":403.26,"end":403.76,"confidence":0.810791,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1723637580871582},{"word":"fantastic","start":403.98,"end":404.48,"confidence":0.9765625,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.3693257570266723},{"word":"excellent","start":405.355,"end":405.595,"confidence":0.9641113,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.33298105001449585},{"word":"so","start":405.595,"end":405.67502,"confidence":0.7609863,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.21098992228507996},{"word":"look","start":405.67502,"end":405.995,"confidence":0.95458984,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.1980483829975128},{"word":"it","start":405.995,"end":406.155,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17110532522201538},{"word":"has","start":406.155,"end":406.315,"confidence":0.7260742,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.14918464422225952},{"word":"i","start":406.715,"end":406.95502,"confidence":0.9560547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1257862150669098},{"word":"wanna","start":406.95502,"end":407.195,"confidence":0.5078125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.14303146302700043},{"word":"keep","start":407.195,"end":407.515,"confidence":0.9838867,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.14726272225379944},{"word":"sort","start":407.515,"end":407.755,"confidence":0.85546875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.19332705438137057},{"word":"of","start":407.755,"end":407.83502,"confidence":0.90283203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17227482795715332},{"word":"monitoring","start":407.83502,"end":408.23502,"confidence":0.9980469,"punctuated_word":"monitoring","sentiment":"neutral","sentiment_score":0.15688349306583405},{"word":"things","start":408.23502,"end":408.475,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.16311852633953094},{"word":"there","start":408.475,"end":408.715,"confidence":0.98828125,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20334479212760925},{"word":"for","start":408.715,"end":408.95502,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.209357887506485},{"word":"you","start":408.95502,"end":409.195,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2127123475074768},{"word":"because","start":409.195,"end":409.435,"confidence":0.90527344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13784566521644592},{"word":"we","start":409.435,"end":409.67502,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19092561304569244},{"word":"have","start":409.67502,"end":409.83502,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1629972606897354},{"word":"just","start":409.83502,"end":410.075,"confidence":0.97802734,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22714710235595703},{"word":"made","start":410.075,"end":410.315,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.2061178088188171},{"word":"this","start":410.315,"end":410.475,"confidence":0.9892578,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.20126844942569733},{"word":"change","start":410.475,"end":410.715,"confidence":0.99609375,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.19315147399902344},{"word":"to","start":410.715,"end":410.875,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19490797817707065},{"word":"your","start":410.875,"end":411.11502,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20721551775932312},{"word":"portfolio","start":411.11502,"end":411.61502,"confidence":0.98339844,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.1420450210571289},{"word":"depending","start":412.315,"end":412.715,"confidence":0.82177734,"punctuated_word":"Depending","sentiment":"neutral","sentiment_score":0.12089930474758148},{"word":"on","start":412.715,"end":412.875,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12318948656320572},{"word":"how","start":412.875,"end":413.035,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1148119494318962},{"word":"the","start":413.035,"end":413.195,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1378064006567001},{"word":"rest","start":413.195,"end":413.435,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.11022724956274033},{"word":"of","start":413.435,"end":413.595,"confidence":0.98291016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1371174156665802},{"word":"the","start":413.595,"end":413.755,"confidence":0.9667969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11973802745342256},{"word":"review","start":413.755,"end":414.23502,"confidence":0.85546875,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.1049162819981575},{"word":"goes","start":414.23502,"end":414.555,"confidence":0.9760742,"punctuated_word":"goes,","sentiment":"neutral","sentiment_score":0.15648183226585388},{"word":"i","start":414.555,"end":414.715,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17835168540477753},{"word":"definitely","start":414.715,"end":415.035,"confidence":0.98535156,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.158278226852417},{"word":"wanna","start":415.035,"end":415.355,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1492829471826553},{"word":"maybe","start":415.355,"end":415.595,"confidence":0.9453125,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.15456260740756989},{"word":"catch","start":415.595,"end":415.83502,"confidence":0.9770508,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.09316034615039824},{"word":"up","start":415.83502,"end":415.995,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07975024729967117},{"word":"in","start":415.995,"end":416.155,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10097886621952055},{"word":"about","start":416.155,"end":416.475,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10661754012107848},{"word":"six","start":416.475,"end":416.715,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.0995795875787735},{"word":"months","start":416.715,"end":417.035,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.08739135414361954},{"word":"with","start":417.035,"end":417.195,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10942757874727248},{"word":"you","start":417.195,"end":417.355,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14784622192382812},{"word":"just","start":417.355,"end":417.595,"confidence":0.9863281,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17498376965522766},{"word":"to","start":417.595,"end":417.755,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1162506714463234},{"word":"see","start":417.755,"end":417.915,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13037601113319397},{"word":"how","start":417.915,"end":418.075,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1089482083916664},{"word":"things","start":418.075,"end":418.39502,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.13469240069389343},{"word":"are","start":418.39502,"end":418.555,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1353103071451187},{"word":"tracking","start":418.555,"end":419.055,"confidence":1.0,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.13774272799491882},{"word":"and","start":419.29,"end":419.45,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.112717404961586},{"word":"look","start":419.45,"end":419.53,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.110950767993927},{"word":"at","start":419.53,"end":419.61002,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10802377760410307},{"word":"whether","start":419.61002,"end":419.93,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.11498276889324188},{"word":"we","start":419.93,"end":420.17,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08412118256092072},{"word":"need","start":420.17,"end":420.33002,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.08678112924098969},{"word":"to","start":420.33002,"end":420.49,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09424814581871031},{"word":"update","start":420.49,"end":420.97,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.07301482558250427},{"word":"any","start":420.97,"end":421.37,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08494165539741516},{"word":"advice","start":421.37,"end":421.87,"confidence":0.9892578,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.07577469199895859},{"word":"then","start":421.93,"end":422.25,"confidence":0.9902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12798292934894562},{"word":"for","start":422.25,"end":422.41,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1004502847790718},{"word":"you","start":422.41,"end":422.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1081446185708046},{"word":"and","start":422.65,"end":422.89,"confidence":0.90771484,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10102533549070358},{"word":"maybe","start":422.89,"end":423.21,"confidence":0.98828125,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.11356768012046814},{"word":"update","start":423.21,"end":423.53,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.08584058284759521},{"word":"the","start":423.53,"end":423.69,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11045712232589722},{"word":"portfolio","start":423.69,"end":424.19,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.06924117356538773},{"word":"as","start":424.33002,"end":424.57,"confidence":0.9892578,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12818090617656708},{"word":"well","start":424.57,"end":424.73,"confidence":0.99853516,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.131148099899292},{"word":"does","start":424.73,"end":424.89,"confidence":0.9970703,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0923321694135666},{"word":"that","start":424.89,"end":425.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14836814999580383},{"word":"sound","start":425.13,"end":425.45,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.07762445509433746},{"word":"okay","start":425.45,"end":425.95,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.09366974234580994},{"word":"yeah","start":427.69,"end":428.17,"confidence":0.9375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22079966962337497},{"word":"fantastic","start":428.17,"end":428.67,"confidence":0.9995117,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4749086499214173},{"word":"excellent","start":429.05002,"end":429.55002,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.42588531970977783},{"word":"excellent","start":429.69,"end":430.19,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.3687627911567688},{"word":"then","start":431.13,"end":431.63,"confidence":0.6074219,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.1795971542596817},{"word":"on","start":432.215,"end":432.375,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1268126517534256},{"word":"the","start":432.375,"end":432.535,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12671823799610138},{"word":"first","start":432.535,"end":432.855,"confidence":0.99316406,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.10814083367586136},{"word":"page","start":432.855,"end":433.33502,"confidence":0.83935547,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.10546214133501051},{"word":"which","start":433.33502,"end":433.655,"confidence":0.93603516,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.08275721222162247},{"word":"had","start":433.655,"end":433.89502,"confidence":0.92333984,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.09363590180873872},{"word":"your","start":433.89502,"end":434.05502,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09672989696264268},{"word":"summary","start":434.05502,"end":434.45502,"confidence":0.9921875,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.0982750803232193},{"word":"of","start":434.45502,"end":434.61502,"confidence":0.9453125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11916378140449524},{"word":"superannuation","start":434.61502,"end":435.11502,"confidence":0.9920247,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.13669943809509277},{"word":"and","start":435.33502,"end":435.495,"confidence":0.91503906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1353696882724762},{"word":"insurances","start":435.495,"end":435.995,"confidence":0.81103516,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.11688695847988129},{"word":"i'm","start":436.135,"end":436.295,"confidence":0.9904785,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06978411972522736},{"word":"just","start":436.295,"end":436.61502,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09236277639865877},{"word":"referring","start":436.61502,"end":436.935,"confidence":0.9970703,"punctuated_word":"referring","sentiment":"neutral","sentiment_score":0.060289062559604645},{"word":"to","start":436.935,"end":437.095,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07389569282531738},{"word":"the","start":437.095,"end":437.255,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08219059556722641},{"word":"insurance","start":437.255,"end":437.73502,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.08264834433794022},{"word":"side","start":437.73502,"end":437.975,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.07418598979711533},{"word":"of","start":437.975,"end":438.135,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07386976480484009},{"word":"things","start":438.135,"end":438.45502,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.10253459215164185},{"word":"there","start":438.45502,"end":438.695,"confidence":0.9223633,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09490254521369934},{"word":"now","start":438.695,"end":439.015,"confidence":0.9941406,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.08552274107933044},{"word":"so","start":439.015,"end":439.495,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0721973180770874},{"word":"you","start":439.495,"end":439.655,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07730307430028915},{"word":"do","start":439.655,"end":439.815,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08212920278310776},{"word":"also","start":439.815,"end":440.135,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08984672278165817},{"word":"have","start":440.135,"end":440.295,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06177464500069618},{"word":"your","start":440.295,"end":440.535,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06737872958183289},{"word":"zurich","start":440.535,"end":440.935,"confidence":0.9970703,"punctuated_word":"Zurich","sentiment":"neutral","sentiment_score":0.07077238708734512},{"word":"insurance","start":440.935,"end":441.435,"confidence":0.796875,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.07320499420166016},{"word":"policy","start":441.495,"end":441.975,"confidence":0.90625,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.08585497736930847},{"word":"which","start":441.975,"end":442.135,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.08657793700695038},{"word":"is","start":442.135,"end":442.295,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07545939087867737},{"word":"paid","start":442.295,"end":442.535,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.08882004022598267},{"word":"from","start":442.535,"end":442.77502,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08031577616930008},{"word":"your","start":442.77502,"end":442.935,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07702580094337463},{"word":"super","start":442.935,"end":443.33502,"confidence":0.75390625,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.101754829287529},{"word":"fund","start":443.33502,"end":443.83502,"confidence":0.96118164,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.08435943722724915},{"word":"your","start":444.215,"end":444.535,"confidence":0.9472656,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.045477427542209625},{"word":"life","start":444.535,"end":444.77502,"confidence":0.9951172,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.0744461715221405},{"word":"cover","start":444.77502,"end":445.17502,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.08968056738376617},{"word":"that","start":445.17502,"end":445.415,"confidence":0.9667969,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06882394850254059},{"word":"you're","start":445.415,"end":445.575,"confidence":0.9807129,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06607147306203842},{"word":"covered","start":445.575,"end":445.89502,"confidence":1.0,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.06601796299219131},{"word":"for","start":445.89502,"end":446.05502,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07152190804481506},{"word":"at","start":446.05502,"end":446.215,"confidence":0.89990234,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05952350795269013},{"word":"the","start":446.215,"end":446.295,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07697129994630814},{"word":"moment","start":446.295,"end":446.695,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.07996298372745514},{"word":"has","start":446.695,"end":446.855,"confidence":0.9951172,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.08583595603704453},{"word":"a","start":446.855,"end":447.015,"confidence":0.91015625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0896415263414383},{"word":"benefit","start":447.015,"end":447.415,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.08526831865310669},{"word":"of","start":447.415,"end":447.6,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09290911257266998},{"word":"378,034","start":447.68,"end":450.72,"confidence":0.9984267,"punctuated_word":"378,034.","sentiment":"neutral","sentiment_score":0.09341120719909668},{"word":"so","start":450.72,"end":451.22,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08381448686122894},{"word":"if","start":451.28,"end":451.44,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0661095529794693},{"word":"we","start":451.44,"end":451.6,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06945472210645676},{"word":"think","start":451.6,"end":451.84,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05997128039598465},{"word":"about","start":451.84,"end":452.24002,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06009051948785782},{"word":"the","start":452.24002,"end":452.64,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06127985566854477},{"word":"theoretical","start":452.64,"end":453.14,"confidence":0.9970703,"punctuated_word":"theoretical","sentiment":"neutral","sentiment_score":0.0631779208779335},{"word":"side","start":453.28,"end":453.52002,"confidence":0.92578125,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.06090955808758736},{"word":"around","start":453.52002,"end":453.76,"confidence":0.99902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.05471301078796387},{"word":"the","start":453.76,"end":454.0,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06091250479221344},{"word":"life","start":454.0,"end":454.24002,"confidence":0.9941406,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.06044701486825943},{"word":"cover","start":454.24002,"end":454.56,"confidence":0.9265137,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.05956028774380684},{"word":"if","start":454.56,"end":454.80002,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.053213201463222504},{"word":"you","start":454.80002,"end":454.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05586826801300049},{"word":"were","start":454.96,"end":455.12,"confidence":0.9941406,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.05083974450826645},{"word":"to","start":455.12,"end":455.2,"confidence":0.7607422,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.042099349200725555},{"word":"say","start":455.2,"end":455.6,"confidence":0.99853516,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.02259792573750019},{"word":"pass","start":455.6,"end":455.92,"confidence":0.96435547,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.002700716257095337},{"word":"away","start":455.92,"end":456.42,"confidence":0.9921875,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.029423315078020096},{"word":"today","start":456.64,"end":457.14,"confidence":0.99560547,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.050922684371471405},{"word":"your","start":457.76,"end":458.26,"confidence":0.8852539,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05038665607571602},{"word":"your","start":458.56,"end":458.80002,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05082454904913902},{"word":"partner","start":458.80002,"end":459.28,"confidence":0.9460449,"punctuated_word":"partner,","sentiment":"neutral","sentiment_score":0.07490770518779755},{"word":"i","start":459.28,"end":459.44,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08701122552156448},{"word":"believe","start":459.44,"end":459.68,"confidence":0.9091797,"punctuated_word":"believe,","sentiment":"neutral","sentiment_score":0.0850592851638794},{"word":"we've","start":459.68,"end":460.0,"confidence":0.99853516,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.093143992125988},{"word":"got","start":460.0,"end":460.24,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10854780673980712},{"word":"eileen","start":460.24,"end":460.74,"confidence":0.79418945,"punctuated_word":"Eileen","sentiment":"neutral","sentiment_score":0.07018010318279266},{"word":"as","start":461.36002,"end":461.76,"confidence":0.75,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11340834200382233},{"word":"your","start":461.76,"end":462.24,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08917048573493958},{"word":"beneficiary","start":462.24,"end":462.74,"confidence":0.99902344,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.14486706256866455},{"word":"there","start":463.12,"end":463.575,"confidence":0.7492676,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.08302241563796997},{"word":"she","start":463.89502,"end":464.05502,"confidence":0.9863281,"punctuated_word":"She","sentiment":"neutral","sentiment_score":0.08418795466423035},{"word":"could","start":464.05502,"end":464.295,"confidence":0.7661133,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.09494300931692123},{"word":"receive","start":464.295,"end":464.695,"confidence":0.9951172,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.12328831851482391},{"word":"your","start":464.695,"end":464.935,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11559753865003586},{"word":"life","start":464.935,"end":465.255,"confidence":0.8408203,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.12414602935314178},{"word":"benefit","start":465.255,"end":465.755,"confidence":0.99609375,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.16907325387001038},{"word":"of","start":465.815,"end":465.975,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11645512282848358},{"word":"378,000","start":465.975,"end":467.73502,"confidence":0.98514813,"punctuated_word":"378,000,","sentiment":"neutral","sentiment_score":0.1074122041463852},{"word":"but","start":467.73502,"end":467.89502,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07616011798381805},{"word":"then","start":467.89502,"end":468.05502,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07529321312904358},{"word":"also","start":468.05502,"end":468.375,"confidence":0.5673828,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06875283271074295},{"word":"your","start":468.375,"end":468.61502,"confidence":0.8828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08201009780168533},{"word":"super","start":468.61502,"end":468.935,"confidence":0.87158203,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.12300068140029909},{"word":"is","start":468.935,"end":469.17502,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0804821029305458},{"word":"paid","start":469.17502,"end":469.415,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.11966031044721603},{"word":"out","start":469.415,"end":469.575,"confidence":0.9921875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.10682713240385056},{"word":"on","start":469.575,"end":469.655,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12304501235485076},{"word":"top","start":469.655,"end":469.815,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.09444821625947952},{"word":"of","start":469.815,"end":469.975,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10131403803825378},{"word":"that","start":469.975,"end":470.135,"confidence":0.7241211,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.11974629759788512},{"word":"so","start":470.135,"end":470.295,"confidence":0.9892578,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1382681131362915},{"word":"the","start":470.295,"end":470.45502,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11656582355499268},{"word":"extra","start":470.45502,"end":470.77502,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.11972136795520782},{"word":"103,000","start":470.77502,"end":471.975,"confidence":0.998291,"punctuated_word":"103,000","sentiment":"neutral","sentiment_score":0.11952293664216997},{"word":"there","start":471.975,"end":472.475,"confidence":0.9951172,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09960924088954926},{"word":"i'll","start":472.935,"end":473.095,"confidence":0.9926758,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11436058580875395},{"word":"just","start":473.095,"end":473.33502,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1341954469680786},{"word":"add","start":473.33502,"end":473.49503,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.1421729475259781},{"word":"it","start":473.49503,"end":473.655,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13473068177700043},{"word":"all","start":473.655,"end":473.815,"confidence":0.54589844,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.13515794277191162},{"word":"together","start":473.815,"end":474.295,"confidence":0.9770508,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.1213114932179451},{"word":"for","start":474.295,"end":474.45502,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15334799885749817},{"word":"you","start":474.45502,"end":474.695,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13391496241092682},{"word":"to","start":474.695,"end":474.855,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1240766942501068},{"word":"give","start":474.855,"end":475.095,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.11376892030239104},{"word":"you","start":475.095,"end":475.255,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1343785524368286},{"word":"a","start":475.255,"end":475.415,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11422960460186005},{"word":"total","start":475.415,"end":475.915,"confidence":0.8857422,"punctuated_word":"total.","sentiment":"neutral","sentiment_score":0.11038405448198318},{"word":"three","start":477.3,"end":477.54,"confidence":0.7705078,"punctuated_word":"Three,","sentiment":"neutral","sentiment_score":0.04419669881463051},{"word":"four","start":477.54,"end":478.04,"confidence":0.9448242,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.06091991439461708},{"word":"it's","start":478.41998,"end":478.74,"confidence":0.76782227,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.10074035823345184},{"word":"worth","start":478.74,"end":479.06,"confidence":0.71777344,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.07063877582550049},{"word":"that","start":479.06,"end":479.22,"confidence":0.82666016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08694498240947723},{"word":"to","start":479.22,"end":479.38,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0782114565372467},{"word":"be","start":479.38,"end":479.62,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07066177576780319},{"word":"between","start":479.62,"end":479.94,"confidence":0.9716797,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.07976340502500534},{"word":"the","start":479.94,"end":480.1,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06113390251994133},{"word":"two","start":480.1,"end":480.34,"confidence":0.7067871,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.03830547258257866},{"word":"about","start":480.34,"end":480.66,"confidence":0.9970703,"punctuated_word":"About","sentiment":"neutral","sentiment_score":0.02706018090248108},{"word":"481,456","start":480.66,"end":483.7,"confidence":0.998402,"punctuated_word":"481,456","sentiment":"neutral","sentiment_score":0.027804816141724583},{"word":"that","start":483.7,"end":483.94,"confidence":0.93408203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03405066207051277},{"word":"could","start":483.94,"end":484.1,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.02912251651287079},{"word":"be","start":484.1,"end":484.26,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.025941912084817886},{"word":"paid","start":484.26,"end":484.5,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.03461366891860962},{"word":"out","start":484.5,"end":484.66,"confidence":0.95947266,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.03629482164978981},{"word":"as","start":484.66,"end":484.82,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02918053418397903},{"word":"a","start":484.82,"end":484.98,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.033427849411964417},{"word":"life","start":484.98,"end":485.3,"confidence":0.9980469,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.03959180787205696},{"word":"benefit","start":485.3,"end":485.8,"confidence":0.97631836,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.034053903073072433},{"word":"between","start":486.41998,"end":486.9,"confidence":0.99902344,"punctuated_word":"Between","sentiment":"neutral","sentiment_score":0.067789725959301},{"word":"your","start":486.9,"end":487.3,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1139458268880844},{"word":"life","start":487.3,"end":487.62,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.12513217329978943},{"word":"insurance","start":487.62,"end":488.12,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.11828459054231644},{"word":"and","start":488.18,"end":488.34,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11146781593561172},{"word":"your","start":488.34,"end":488.58,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1381012350320816},{"word":"sleeper","start":488.58,"end":489.06,"confidence":0.7734375,"punctuated_word":"sleeper,","sentiment":"neutral","sentiment_score":0.09653592109680176},{"word":"does","start":489.06,"end":489.22,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.05946165323257446},{"word":"that","start":489.22,"end":489.375,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1620606929063797},{"word":"feel","start":489.455,"end":489.775,"confidence":0.99609375,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.09480489790439606},{"word":"comfortable","start":489.775,"end":490.255,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.06665733456611633},{"word":"for","start":490.255,"end":490.415,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08988639712333679},{"word":"you","start":490.415,"end":490.815,"confidence":0.9980469,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.08064854890108109},{"word":"did","start":490.815,"end":491.055,"confidence":0.99902344,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.02048380672931671},{"word":"you","start":491.055,"end":491.375,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029877157881855965},{"word":"wanna","start":491.375,"end":491.775,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.03380514681339264},{"word":"review","start":491.775,"end":492.175,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.02900840155780315},{"word":"that","start":492.175,"end":492.415,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0228344202041626},{"word":"amount","start":492.415,"end":492.815,"confidence":0.84594727,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":0.041748762130737305},{"word":"or","start":492.815,"end":493.135,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04304756596684456},{"word":"what's","start":493.135,"end":493.375,"confidence":0.99658203,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.034047480672597885},{"word":"your","start":493.375,"end":493.535,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.020250726491212845},{"word":"thought","start":493.535,"end":494.035,"confidence":0.78100586,"punctuated_word":"thought?","sentiment":"neutral","sentiment_score":0.015186047181487083},{"word":"that's","start":497.295,"end":497.615,"confidence":0.9909668,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14659687876701355},{"word":"okay","start":497.615,"end":498.115,"confidence":0.9123535,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.15835529565811157},{"word":"beautiful","start":498.255,"end":498.755,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6363812685012817},{"word":"excellent","start":498.975,"end":499.475,"confidence":0.99853516,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6421314477920532},{"word":"and","start":500.015,"end":500.175,"confidence":0.6801758,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.35111865401268005},{"word":"you've","start":500.175,"end":500.415,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.3312757611274719},{"word":"also","start":500.415,"end":500.735,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.23917514085769653},{"word":"got","start":500.735,"end":500.975,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.17664702236652374},{"word":"some","start":500.975,"end":501.215,"confidence":0.99316406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10980720072984695},{"word":"total","start":501.215,"end":501.615,"confidence":0.9941406,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.16237697005271912},{"word":"permanent","start":501.615,"end":502.115,"confidence":0.9970703,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":0.168647438287735},{"word":"disability","start":502.175,"end":502.675,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.16389109194278717},{"word":"cover","start":502.815,"end":503.055,"confidence":0.6923828,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.14787858724594116},{"word":"so","start":503.055,"end":503.555,"confidence":0.95947266,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13545046746730804},{"word":"tpd","start":505.19,"end":505.69,"confidence":0.8774414,"punctuated_word":"TPD.","sentiment":"neutral","sentiment_score":0.12533852458000183},{"word":"do","start":506.39,"end":506.4243,"confidence":0.9921875,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.03946177661418915},{"word":"you","start":506.4243,"end":506.4586,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05279646813869476},{"word":"understand","start":506.4586,"end":506.49286,"confidence":0.9921875,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.03747950121760368},{"word":"how","start":506.49286,"end":506.52716,"confidence":0.9951172,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.04154691100120544},{"word":"tpd","start":506.52716,"end":506.56143,"confidence":0.99658203,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.03645938262343407},{"word":"insurance","start":506.56143,"end":506.59573,"confidence":0.95410156,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.05979597941040993},{"word":"works","start":506.59573,"end":506.63,"confidence":0.9970703,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.03814626485109329},{"word":"and","start":506.63,"end":506.87,"confidence":0.7944336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.060534946620464325},{"word":"what","start":506.87,"end":507.11002,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05417972430586815},{"word":"that","start":507.11002,"end":507.27002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0713205561041832},{"word":"is","start":507.27002,"end":507.43,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05541876330971718},{"word":"and","start":507.43,"end":507.59,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.054841820150613785},{"word":"how","start":507.59,"end":507.83002,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.04813410714268685},{"word":"it","start":507.83002,"end":507.99,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.045245975255966187},{"word":"pays","start":507.99,"end":508.49,"confidence":1.0,"punctuated_word":"pays?","sentiment":"neutral","sentiment_score":0.041260793805122375},{"word":"no","start":511.27002,"end":511.51,"confidence":0.9916992,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06760060042142868},{"word":"that's","start":511.51,"end":511.83002,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.01476150006055832},{"word":"okay","start":511.83002,"end":512.31,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.01850959844887257},{"word":"so","start":512.31,"end":512.55,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04025416821241379},{"word":"tpd","start":512.55,"end":513.05,"confidence":0.99853516,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.07358260452747345},{"word":"can","start":513.11,"end":513.35,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08038761466741562},{"word":"pay","start":513.35,"end":513.51,"confidence":0.9902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.05783462896943092},{"word":"out","start":513.51,"end":513.67,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.03588501363992691},{"word":"a","start":513.67,"end":513.83,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.038429196923971176},{"word":"lump","start":513.83,"end":514.07,"confidence":0.99902344,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.06021677330136299},{"word":"sum","start":514.07,"end":514.31,"confidence":0.97998047,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.07754582166671753},{"word":"benefit","start":514.31,"end":514.79,"confidence":0.86621094,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.1097465604543686},{"word":"or","start":514.79,"end":514.87,"confidence":0.9716797,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05927758663892746},{"word":"an","start":514.87,"end":515.03,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.02006825804710388},{"word":"income","start":515.03,"end":515.51,"confidence":0.99609375,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05378298461437225},{"word":"stream","start":515.51,"end":515.83,"confidence":1.0,"punctuated_word":"stream","sentiment":"neutral","sentiment_score":0.03445352986454964},{"word":"in","start":515.83,"end":515.99,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05805819481611252},{"word":"the","start":515.99,"end":516.15,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.060796935111284256},{"word":"event","start":516.15,"end":516.47003,"confidence":0.99902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.0920061320066452},{"word":"that","start":516.47003,"end":516.63,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04185561463236809},{"word":"you're","start":516.63,"end":516.95,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.013630944304168224},{"word":"diagnosed","start":516.95,"end":517.35,"confidence":0.99902344,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":0.008389003574848175},{"word":"with","start":517.35,"end":517.59,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.002685993909835815},{"word":"a","start":517.59,"end":517.67,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.002002483233809471},{"word":"major","start":517.67,"end":518.17,"confidence":1.0,"punctuated_word":"major","sentiment":"neutral","sentiment_score":0.0038981661200523376},{"word":"disability","start":518.72504,"end":519.22504,"confidence":0.8652344,"punctuated_word":"disability.","sentiment":"neutral","sentiment_score":0.02031308226287365},{"word":"so","start":519.60504,"end":519.765,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04691509902477264},{"word":"say","start":519.765,"end":520.005,"confidence":0.81811523,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.0576428696513176},{"word":"for","start":520.005,"end":520.085,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04012768715620041},{"word":"example","start":520.085,"end":520.485,"confidence":0.99902344,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.04280774295330048},{"word":"you","start":520.485,"end":520.645,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08529311418533325},{"word":"can","start":520.645,"end":520.885,"confidence":0.99609375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04551425576210022},{"word":"never","start":520.885,"end":521.28503,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.005161471664905548},{"word":"go","start":521.28503,"end":521.525,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.04601920396089554},{"word":"back","start":521.525,"end":521.765,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.05188041925430298},{"word":"to","start":521.765,"end":521.925,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.023833222687244415},{"word":"work","start":521.925,"end":522.16504,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.0007334128022193909},{"word":"again","start":522.16504,"end":522.485,"confidence":0.9873047,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.033595964312553406},{"word":"for","start":522.485,"end":522.645,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.016636308282613754},{"word":"any","start":522.645,"end":522.965,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.041859764605760574},{"word":"occupation","start":522.965,"end":523.465,"confidence":0.9863281,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":0.010922346264123917},{"word":"for","start":523.60504,"end":523.765,"confidence":0.9873047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.00742083415389061},{"word":"which","start":523.765,"end":524.005,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.00249355286359787},{"word":"you're","start":524.005,"end":524.505,"confidence":0.98014325,"punctuated_word":"you're,","sentiment":"neutral","sentiment_score":0.0002171974629163742},{"word":"you","start":524.645,"end":524.805,"confidence":0.75390625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015710845589637756},{"word":"know","start":524.805,"end":525.305,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.018735848367214203},{"word":"essentially","start":525.60504,"end":526.10504,"confidence":1.0,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.002656063064932823},{"word":"educated","start":526.405,"end":526.905,"confidence":0.8881836,"punctuated_word":"educated","sentiment":"neutral","sentiment_score":0.02884790301322937},{"word":"or","start":526.965,"end":527.125,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0378093421459198},{"word":"trained","start":527.125,"end":527.625,"confidence":0.9519043,"punctuated_word":"trained.","sentiment":"neutral","sentiment_score":0.0008161719888448715},{"word":"i'm","start":527.765,"end":527.925,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02958431839942932},{"word":"also","start":527.925,"end":528.245,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.00431804358959198},{"word":"just","start":528.245,"end":528.405,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.003554210066795349},{"word":"pulling","start":528.405,"end":528.72504,"confidence":0.9970703,"punctuated_word":"pulling","sentiment":"neutral","sentiment_score":0.002842370420694351},{"word":"up","start":528.72504,"end":528.885,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.009894970804452896},{"word":"to","start":528.885,"end":529.045,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.005262933671474457},{"word":"make","start":529.045,"end":529.205,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.026728030294179916},{"word":"sure","start":529.205,"end":529.445,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.014369800686836244},{"word":"that","start":529.445,"end":529.60504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02149912714958191},{"word":"you","start":529.60504,"end":529.765,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025894243270158768},{"word":"have","start":529.765,"end":529.925,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03675894811749458},{"word":"that","start":529.925,"end":530.16504,"confidence":0.8095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.012721743434667587},{"word":"correct","start":530.16504,"end":530.485,"confidence":1.0,"punctuated_word":"correct","sentiment":"neutral","sentiment_score":-0.02040451392531395},{"word":"definition","start":530.485,"end":530.965,"confidence":1.0,"punctuated_word":"definition","sentiment":"neutral","sentiment_score":-0.05631791800260544},{"word":"of","start":530.965,"end":531.125,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04354420676827431},{"word":"your","start":531.125,"end":531.365,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03940563276410103},{"word":"tbd","start":531.365,"end":531.865,"confidence":0.98535156,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":-0.03238080069422722},{"word":"there","start":532.085,"end":532.585,"confidence":0.93603516,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.048041947185993195},{"word":"sorry","start":533.76,"end":534.0,"confidence":0.967041,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.09312479943037032},{"word":"one","start":534.0,"end":534.32,"confidence":1.0,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.07984067499637604},{"word":"second","start":534.32,"end":534.82,"confidence":1.0,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":-0.03901943564414978},{"word":"do","start":536.16,"end":536.39996,"confidence":0.6689453,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.0509902685880661},{"word":"love","start":536.39996,"end":536.72,"confidence":0.88720703,"punctuated_word":"love","sentiment":"neutral","sentiment_score":0.16402997076511383},{"word":"technology","start":536.72,"end":537.2,"confidence":0.9970703,"punctuated_word":"technology","sentiment":"neutral","sentiment_score":0.05360763520002365},{"word":"when","start":537.2,"end":537.36,"confidence":0.99316406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06959473341703415},{"word":"it","start":537.36,"end":537.51996,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10826293379068376},{"word":"wants","start":537.51996,"end":537.76,"confidence":0.99902344,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.09296229481697084},{"word":"to","start":537.76,"end":537.83997,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10960891842842102},{"word":"work","start":537.83997,"end":538.08,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.12996825575828552},{"word":"for","start":538.08,"end":538.24,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07184887677431107},{"word":"us","start":538.24,"end":538.48,"confidence":0.9909668,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.00711769238114357},{"word":"it's","start":538.48,"end":538.64,"confidence":0.9428711,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.03359684348106384},{"word":"taking","start":538.64,"end":538.95996,"confidence":0.98095703,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.007150880992412567},{"word":"a","start":538.95996,"end":539.04,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01503005251288414},{"word":"second","start":539.04,"end":539.36,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":-0.03159761428833008},{"word":"to","start":539.36,"end":539.6,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.011108160018920898},{"word":"open","start":539.6,"end":539.83997,"confidence":1.0,"punctuated_word":"open","sentiment":"neutral","sentiment_score":-0.02651944011449814},{"word":"up","start":539.83997,"end":540.0,"confidence":0.8613281,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.005027376115322113},{"word":"properly","start":540.0,"end":540.5,"confidence":0.94750977,"punctuated_word":"properly.","sentiment":"neutral","sentiment_score":0.02792655304074287},{"word":"so","start":541.68,"end":542.0,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01464790105819702},{"word":"with","start":542.0,"end":542.24,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.01426209881901741},{"word":"your","start":542.24,"end":542.64,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.016158949583768845},{"word":"tbd","start":542.64,"end":543.14,"confidence":0.99902344,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":9.125098586082458e-6},{"word":"definition","start":543.51996,"end":544.01996,"confidence":0.74194336,"punctuated_word":"definition,","sentiment":"neutral","sentiment_score":0.010997090488672256},{"word":"yeah","start":551.72504,"end":552.22504,"confidence":0.9926758,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03414826840162277},{"word":"it","start":553.965,"end":554.205,"confidence":0.9980469,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.01361752301454544},{"word":"looks","start":554.205,"end":554.525,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.0029800869524478912},{"word":"like","start":554.525,"end":554.765,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.013776324689388275},{"word":"it","start":554.765,"end":555.085,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.008452817797660828},{"word":"is","start":555.085,"end":555.485,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.017567191272974014},{"word":"an","start":555.485,"end":555.72504,"confidence":0.70703125,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.01929554343223572},{"word":"any","start":555.72504,"end":555.965,"confidence":0.46704102,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.00804213434457779},{"word":"occupation","start":555.965,"end":556.465,"confidence":0.9604492,"punctuated_word":"occupation,","sentiment":"neutral","sentiment_score":-0.008373050019145012},{"word":"but","start":557.085,"end":557.325,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.01123589277267456},{"word":"i'll","start":557.325,"end":557.485,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.02201777696609497},{"word":"go","start":557.485,"end":557.645,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.015671633183956146},{"word":"back","start":557.645,"end":557.805,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.0001865178346633911},{"word":"and","start":557.805,"end":557.965,"confidence":0.87597656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.011332523077726364},{"word":"double","start":557.965,"end":558.465,"confidence":0.82958984,"punctuated_word":"double.","sentiment":"neutral","sentiment_score":0.01953542977571487},{"word":"yeah","start":559.95,"end":560.45,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.106292262673378},{"word":"it","start":560.59,"end":560.67,"confidence":0.9970703,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1581893265247345},{"word":"looks","start":560.67,"end":560.99,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.14154061675071716},{"word":"okay","start":560.99,"end":561.31,"confidence":0.98950195,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.12219133973121644},{"word":"so","start":561.31,"end":561.79,"confidence":0.8720703,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.013475991785526276},{"word":"realistically","start":561.79,"end":562.29,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.0014965757727622986},{"word":"tbd","start":562.51,"end":563.01,"confidence":0.5390625,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":-0.04084351658821106},{"word":"compared","start":563.07,"end":563.47,"confidence":0.87353516,"punctuated_word":"compared","sentiment":"neutral","sentiment_score":-0.048425812274217606},{"word":"that","start":563.47,"end":563.63,"confidence":0.9482422,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.004689991474151611},{"word":"lump","start":563.63,"end":563.87,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.01818966120481491},{"word":"sum","start":563.87,"end":564.11,"confidence":0.9873047,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.008200287818908691},{"word":"benefit","start":564.11,"end":564.61,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.04873935878276825},{"word":"if","start":565.23,"end":565.47,"confidence":0.38916016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.006711039692163467},{"word":"you're","start":565.47,"end":565.71,"confidence":0.9941406,"punctuated_word":"you're,","sentiment":"neutral","sentiment_score":-0.009658802300691605},{"word":"you","start":565.71,"end":565.79,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01396816223859787},{"word":"know","start":565.79,"end":566.19,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.022843465209007263},{"word":"diagnosed","start":566.19,"end":566.67,"confidence":0.99609375,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":0.0013560578227043152},{"word":"with","start":566.67,"end":566.83,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.02735809236764908},{"word":"a","start":566.83,"end":566.99,"confidence":0.95410156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.031006945297122},{"word":"major","start":566.99,"end":567.31,"confidence":1.0,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.029772132635116577},{"word":"traumatic","start":567.31,"end":567.81,"confidence":0.9921875,"punctuated_word":"traumatic","sentiment":"neutral","sentiment_score":-0.036380015313625336},{"word":"condition","start":567.95,"end":568.45,"confidence":0.7459717,"punctuated_word":"condition.","sentiment":"neutral","sentiment_score":-0.035200100392103195},{"word":"they","start":568.67,"end":568.83,"confidence":0.59033203,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.011412888765335085},{"word":"compared","start":568.83,"end":569.23,"confidence":0.78027344,"punctuated_word":"compared","sentiment":"neutral","sentiment_score":0.0063450634479522705},{"word":"a","start":569.23,"end":569.39,"confidence":0.90625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004922214895486832},{"word":"lump","start":569.39,"end":569.63,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.029082901775836945},{"word":"sum","start":569.63,"end":569.87,"confidence":0.99609375,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.023673389106988907},{"word":"benefit","start":569.87,"end":570.19,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.06264648586511612},{"word":"or","start":570.19,"end":570.35,"confidence":0.9589844,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04988403990864754},{"word":"an","start":570.35,"end":570.59,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.03995656594634056},{"word":"income","start":570.59,"end":570.91,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06069449707865715},{"word":"stream","start":570.91,"end":571.41,"confidence":0.99658203,"punctuated_word":"stream.","sentiment":"neutral","sentiment_score":0.03673616424202919},{"word":"if","start":572.115,"end":572.355,"confidence":0.9873047,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.04414514079689979},{"word":"you","start":572.355,"end":572.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025795452296733856},{"word":"are","start":572.515,"end":572.835,"confidence":0.9699707,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.023893283680081367},{"word":"say","start":572.835,"end":573.235,"confidence":0.9975586,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.03250239044427872},{"word":"fully","start":573.235,"end":573.555,"confidence":1.0,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.058115795254707336},{"word":"disabled","start":573.555,"end":574.03503,"confidence":1.0,"punctuated_word":"disabled","sentiment":"neutral","sentiment_score":0.04607553407549858},{"word":"and","start":574.03503,"end":574.275,"confidence":0.9243164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04057900607585907},{"word":"not","start":574.275,"end":574.435,"confidence":0.8310547,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03336910158395767},{"word":"able","start":574.435,"end":574.675,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.0403100848197937},{"word":"to","start":574.675,"end":574.835,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06509605795145035},{"word":"ever","start":574.835,"end":575.075,"confidence":0.99902344,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.043052591383457184},{"word":"go","start":575.075,"end":575.235,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0014617517590522766},{"word":"back","start":575.235,"end":575.47504,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.02301781624555588},{"word":"to","start":575.47504,"end":575.715,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.026591911911964417},{"word":"work","start":575.715,"end":575.955,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.05711514502763748},{"word":"again","start":575.955,"end":576.195,"confidence":1.0,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.005383394658565521},{"word":"for","start":576.195,"end":576.435,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03626222535967827},{"word":"any","start":576.435,"end":576.755,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04184452071785927},{"word":"reason","start":576.755,"end":577.255,"confidence":0.99609375,"punctuated_word":"reason,","sentiment":"neutral","sentiment_score":0.057703647762537},{"word":"tpd","start":578.03503,"end":578.53503,"confidence":0.7722168,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.09308594465255736},{"word":"you","start":578.835,"end":578.995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10926434397697447},{"word":"can","start":578.995,"end":579.235,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08686114847660065},{"word":"also","start":579.235,"end":579.555,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09251513332128523},{"word":"release","start":579.555,"end":579.875,"confidence":0.9921875,"punctuated_word":"release","sentiment":"neutral","sentiment_score":0.1170155629515648},{"word":"your","start":579.875,"end":580.115,"confidence":0.95947266,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12443456798791884},{"word":"super","start":580.115,"end":580.59503,"confidence":0.93969727,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.14620554447174072},{"word":"so","start":580.59503,"end":580.835,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13628938794136047},{"word":"you","start":580.835,"end":580.995,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14303408563137054},{"word":"you're","start":581.075,"end":581.315,"confidence":0.9489746,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.13690893352031708},{"word":"covered","start":581.315,"end":581.715,"confidence":0.9980469,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.11025863140821456},{"word":"for","start":581.715,"end":581.875,"confidence":0.98828125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1077389121055603},{"word":"the","start":581.875,"end":581.955,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0934932380914688},{"word":"same","start":581.955,"end":582.275,"confidence":0.9819336,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.14542540907859802},{"word":"amount","start":582.275,"end":582.59503,"confidence":0.9970703,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.11090758442878725},{"word":"of","start":582.59503,"end":582.755,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12106354534626008},{"word":"tpd","start":582.755,"end":583.255,"confidence":0.99194336,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.09004268050193787},{"word":"as","start":583.315,"end":583.555,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1649680733680725},{"word":"you","start":583.555,"end":583.715,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12967553734779358},{"word":"are","start":583.715,"end":583.875,"confidence":0.9921875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13640886545181274},{"word":"alive","start":583.875,"end":584.375,"confidence":0.8137207,"punctuated_word":"alive.","sentiment":"neutral","sentiment_score":0.11903148144483566},{"word":"the","start":584.4,"end":584.64,"confidence":0.9892578,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.07283829152584076},{"word":"benefit","start":584.64,"end":584.88,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.13356707990169525},{"word":"is","start":584.88,"end":585.2,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09288296848535538},{"word":"378,034","start":585.2,"end":587.94,"confidence":0.9781087,"punctuated_word":"378,034,","sentiment":"neutral","sentiment_score":0.13436610996723175},{"word":"and","start":588.08,"end":588.24005,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1173744648694992},{"word":"then","start":588.24005,"end":588.48004,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10375320911407472},{"word":"you've","start":588.48004,"end":588.80005,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.12679053843021393},{"word":"also","start":588.80005,"end":589.2,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10931749641895294},{"word":"got","start":589.2,"end":589.52,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.13594019412994385},{"word":"your","start":589.52,"end":590.02,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14362621307373047},{"word":"super","start":590.24005,"end":590.56,"confidence":0.7583008,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.15751740336418152},{"word":"benefit","start":590.56,"end":591.04004,"confidence":0.98828125,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.16999919712543488},{"word":"that","start":591.04004,"end":591.28,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14227034151554108},{"word":"can","start":591.28,"end":591.44,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.102527916431427},{"word":"be","start":591.44,"end":591.60004,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11226213723421095},{"word":"paid","start":591.60004,"end":591.84,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.10907446593046188},{"word":"out","start":591.84,"end":592.08,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1105269342660904},{"word":"on","start":592.08,"end":592.24005,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11562492698431016},{"word":"top","start":592.24005,"end":592.48004,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.04340749606490135},{"word":"of","start":592.48004,"end":592.56,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08479256182909012},{"word":"that","start":592.56,"end":592.80005,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07110671699047089},{"word":"as","start":592.80005,"end":592.96,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09357546269893646},{"word":"well","start":592.96,"end":593.46,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.05632519721984863},{"word":"one","start":593.76,"end":594.0,"confidence":0.6254883,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.03972851112484932},{"word":"of","start":594.0,"end":594.16003,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15637044608592987},{"word":"the","start":594.16003,"end":594.24005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17358717322349548},{"word":"big","start":594.24005,"end":594.48004,"confidence":0.99902344,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.19062933325767517},{"word":"things","start":594.48004,"end":594.80005,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.1586669683456421},{"word":"i","start":594.80005,"end":595.04004,"confidence":0.8432617,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12899845838546753},{"word":"do","start":595.04004,"end":595.2,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.11521118879318236},{"word":"like","start":595.2,"end":595.44,"confidence":0.9970703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.10361035913228989},{"word":"to","start":595.44,"end":595.60004,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12628641724586487},{"word":"kind","start":595.60004,"end":595.84,"confidence":0.97509766,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.08918025344610214},{"word":"of","start":595.84,"end":595.92004,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0694083720445633},{"word":"bring","start":595.92004,"end":596.16003,"confidence":0.9921875,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":-0.10435479134321211},{"word":"up","start":596.16003,"end":596.32,"confidence":0.9921875,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.10010576248168944},{"word":"and","start":596.32,"end":596.48004,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08911234140396118},{"word":"just","start":596.48004,"end":596.72003,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11124394834041595},{"word":"make","start":596.72003,"end":596.925,"confidence":0.81347656,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.16617511212825775},{"word":"sure","start":597.005,"end":597.40497,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.1411900818347931},{"word":"people","start":597.40497,"end":597.885,"confidence":0.94921875,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.08367539197206497},{"word":"are","start":597.885,"end":598.125,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.10836639255285264},{"word":"aware","start":598.125,"end":598.625,"confidence":1.0,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":-0.1786365509033203},{"word":"is","start":598.685,"end":598.765,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.15799829363822937},{"word":"that","start":598.765,"end":599.08496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17658670246601105},{"word":"if","start":599.08496,"end":599.325,"confidence":0.9707031,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.21629123389720917},{"word":"you","start":599.325,"end":599.565,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.215961754322052},{"word":"are","start":599.565,"end":599.96497,"confidence":0.9589844,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2110256254673004},{"word":"tbd'd","start":599.96497,"end":600.46497,"confidence":0.71875,"punctuated_word":"TBD'd,","sentiment":"neutral","sentiment_score":-0.20717082917690277},{"word":"never","start":601.08496,"end":601.40497,"confidence":0.9921875,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.22774899005889893},{"word":"able","start":601.40497,"end":601.64496,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.17327645421028137},{"word":"to","start":601.64496,"end":601.725,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19129915535449984},{"word":"go","start":601.725,"end":601.96497,"confidence":0.98535156,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.20589536428451535},{"word":"back","start":601.96497,"end":602.125,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.1973244547843933},{"word":"to","start":602.125,"end":602.285,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1491754949092865},{"word":"work","start":602.285,"end":602.605,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.13489845395088196},{"word":"again","start":602.605,"end":603.105,"confidence":0.97265625,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.20974519848823547},{"word":"unfortunately","start":603.40497,"end":603.90497,"confidence":0.99365234,"punctuated_word":"unfortunately,","sentiment":"negative","sentiment_score":-0.4612435698509216},{"word":"the","start":604.205,"end":604.365,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.46031421422958374},{"word":"benefit","start":604.365,"end":604.845,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"negative","sentiment_score":-0.4221886992454529},{"word":"is","start":604.845,"end":605.165,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.4604606032371521},{"word":"taxed","start":605.165,"end":605.665,"confidence":0.86035156,"punctuated_word":"taxed.","sentiment":"negative","sentiment_score":-0.3891395926475525},{"word":"so","start":605.805,"end":606.285,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.30340856313705444},{"word":"you","start":606.285,"end":606.52496,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.29632318019866943},{"word":"could","start":606.52496,"end":606.765,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.2707884907722473},{"word":"pay","start":606.765,"end":607.005,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.29361164569854736},{"word":"if","start":607.08496,"end":607.245,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.28304553031921387},{"word":"you","start":607.245,"end":607.40497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.29958832263946533},{"word":"take","start":607.40497,"end":607.64496,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.31695622205734253},{"word":"the","start":607.64496,"end":607.885,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25673991441726685},{"word":"full","start":607.885,"end":608.125,"confidence":0.99902344,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.20581009984016416},{"word":"lump","start":608.125,"end":608.445,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":-0.1749708652496338},{"word":"sum","start":608.445,"end":608.945,"confidence":0.99902344,"punctuated_word":"sum,","sentiment":"neutral","sentiment_score":-0.2624503970146179},{"word":"you","start":609.24,"end":609.4,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3499637246131897},{"word":"could","start":609.4,"end":609.64,"confidence":1.0,"punctuated_word":"could","sentiment":"negative","sentiment_score":-0.33370596170425415},{"word":"pay","start":609.64,"end":609.96,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"negative","sentiment_score":-0.37963032722473145},{"word":"tax","start":609.96,"end":610.28,"confidence":0.99609375,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.332244336605072},{"word":"on","start":610.28,"end":610.44,"confidence":0.8232422,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.3902550935745239},{"word":"that","start":610.44,"end":610.68,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.411700427532196},{"word":"benefit","start":610.68,"end":611.0,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.22951480746269223},{"word":"amount","start":611.0,"end":611.4,"confidence":0.9980469,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.2773571014404297},{"word":"of","start":611.4,"end":611.64,"confidence":0.96240234,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.36636823415756226},{"word":"up","start":611.64,"end":611.8,"confidence":0.9941406,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.3384082317352295},{"word":"to","start":611.8,"end":611.96,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3691139221191406},{"word":"22%","start":611.96,"end":613.02,"confidence":0.9886882,"punctuated_word":"22%,","sentiment":"neutral","sentiment_score":-0.32512035965919495},{"word":"which","start":613.16,"end":613.66,"confidence":1.0,"punctuated_word":"which","sentiment":"negative","sentiment_score":-0.6465105414390564},{"word":"is","start":614.12,"end":614.36,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.7806291580200195},{"word":"horrible","start":614.36,"end":614.86,"confidence":1.0,"punctuated_word":"horrible","sentiment":"negative","sentiment_score":-0.7563562989234924},{"word":"and","start":615.08,"end":615.4,"confidence":0.9892578,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.7316421866416931},{"word":"should","start":615.4,"end":615.64,"confidence":1.0,"punctuated_word":"should","sentiment":"negative","sentiment_score":-0.7970446944236755},{"word":"not","start":615.64,"end":615.88,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.6996304392814636},{"word":"be","start":615.88,"end":616.04,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.6172100901603699},{"word":"a","start":616.04,"end":616.12,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6231608390808105},{"word":"thing","start":616.12,"end":616.62,"confidence":0.98999023,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.14531098306179047},{"word":"but","start":618.52,"end":619.02,"confidence":0.6870117,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.004441455006599426},{"word":"looking","start":619.32,"end":619.64,"confidence":0.9980469,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.0384964756667614},{"word":"at","start":619.64,"end":619.8,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.026831619441509247},{"word":"that","start":619.8,"end":620.04,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04275136440992355},{"word":"benefit","start":620.04,"end":620.44,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.028519317507743835},{"word":"amount","start":620.44,"end":620.76,"confidence":0.99853516,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":0.004605542868375778},{"word":"are","start":620.76,"end":620.92,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.09552507847547533},{"word":"you","start":620.92,"end":621.08,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.038513146340847015},{"word":"fairly","start":621.08,"end":621.48,"confidence":0.99316406,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.00890783965587616},{"word":"comfortable","start":621.48,"end":621.88,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.015337765216827393},{"word":"with","start":621.88,"end":622.04,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05216778814792633},{"word":"the","start":622.04,"end":622.12,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.037962064146995544},{"word":"level","start":622.12,"end":622.36,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.045152194797992706},{"word":"of","start":622.36,"end":622.545,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.054132129997015},{"word":"tbd","start":622.70496,"end":623.105,"confidence":0.76123047,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":-0.027458999305963516},{"word":"you","start":623.105,"end":623.345,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017250359058380127},{"word":"have","start":623.345,"end":623.665,"confidence":0.9980469,"punctuated_word":"have?","sentiment":"neutral","sentiment_score":-0.05451640859246254},{"word":"do","start":623.665,"end":623.825,"confidence":0.9716797,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.15717437863349917},{"word":"you","start":623.825,"end":623.985,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09908180683851242},{"word":"think","start":623.985,"end":624.225,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.14785991609096527},{"word":"you","start":624.225,"end":624.385,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12980806827545166},{"word":"would","start":624.385,"end":624.625,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.14016714692115784},{"word":"need","start":624.625,"end":624.785,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.14137279987335205},{"word":"to","start":624.785,"end":624.945,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14164990186691284},{"word":"maybe","start":624.945,"end":625.26495,"confidence":0.95410156,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.18968230485916135},{"word":"have","start":625.26495,"end":625.58496,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1877044588327408},{"word":"more","start":625.58496,"end":625.90497,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.232187420129776},{"word":"cover","start":625.90497,"end":626.305,"confidence":0.82714844,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.11927308142185213},{"word":"or","start":626.305,"end":626.545,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05966440588235855},{"word":"what's","start":626.545,"end":626.70496,"confidence":0.9975586,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.04335009306669235},{"word":"your","start":626.70496,"end":627.02496,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04167428985238075},{"word":"thoughts","start":627.02496,"end":627.52496,"confidence":0.97265625,"punctuated_word":"thoughts?","sentiment":"neutral","sentiment_score":-0.03581231087446213},{"word":"if","start":634.225,"end":634.385,"confidence":0.984375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.16396038234233856},{"word":"you","start":634.385,"end":634.545,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14024153351783752},{"word":"have","start":634.545,"end":634.785,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12230776995420456},{"word":"more","start":634.785,"end":634.945,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05884942412376404},{"word":"questions","start":634.945,"end":635.345,"confidence":0.99853516,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.1168479323387146},{"word":"you're","start":635.345,"end":635.58496,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2995084524154663},{"word":"welcome","start":635.58496,"end":635.90497,"confidence":1.0,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.526460587978363},{"word":"to","start":635.90497,"end":636.065,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3746682107448578},{"word":"let","start":636.065,"end":636.225,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.3266183137893677},{"word":"me","start":636.225,"end":636.385,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.343453049659729},{"word":"know","start":636.385,"end":636.46497,"confidence":0.77612305,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.35758352279663086},{"word":"and","start":636.46497,"end":636.625,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3279743790626526},{"word":"we","start":636.625,"end":636.70496,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3599643409252167},{"word":"can","start":636.70496,"end":636.945,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.28088152408599854},{"word":"talk","start":636.945,"end":637.185,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.31204602122306824},{"word":"it","start":637.185,"end":637.345,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2634836435317993},{"word":"through","start":637.345,"end":637.845,"confidence":0.9995117,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.22772584855556488},{"word":"yeah","start":644.05,"end":644.55,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0128307044506073},{"word":"it's","start":645.09,"end":645.49,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.14688515663146973},{"word":"kinda","start":645.49,"end":645.89,"confidence":0.98291016,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.2767032980918884},{"word":"hard","start":645.89,"end":646.13,"confidence":0.99902344,"punctuated_word":"hard","sentiment":"negative","sentiment_score":-0.3639342784881592},{"word":"to","start":646.13,"end":646.29004,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3415917754173279},{"word":"work","start":646.29004,"end":646.45,"confidence":1.0,"punctuated_word":"work","sentiment":"negative","sentiment_score":-0.3576255142688751},{"word":"out","start":646.45,"end":646.69,"confidence":0.99902344,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.2236391305923462},{"word":"you","start":646.69,"end":646.77,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2139199525117874},{"word":"know","start":646.77,"end":647.01,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.18532794713974},{"word":"what","start":647.01,"end":647.25,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.09328081458806992},{"word":"level","start":647.25,"end":647.57,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.0729856938123703},{"word":"you","start":647.57,"end":647.81,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11553803831338882},{"word":"realistically","start":647.81,"end":648.31,"confidence":1.0,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":-0.11527937650680542},{"word":"need","start":648.45,"end":648.77,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.10443419218063354},{"word":"because","start":648.77,"end":649.17004,"confidence":0.84472656,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.15240806341171265},{"word":"we're","start":649.17004,"end":649.65,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.11239900439977646},{"word":"getting","start":649.65,"end":649.97003,"confidence":0.9980469,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.15252715349197388},{"word":"insurances","start":649.97003,"end":650.47003,"confidence":0.9926758,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.1144753396511078},{"word":"to","start":650.61,"end":650.77,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1758548617362976},{"word":"protect","start":650.77,"end":651.17004,"confidence":1.0,"punctuated_word":"protect","sentiment":"neutral","sentiment_score":-0.09766731411218645},{"word":"us","start":651.17004,"end":651.33,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.04030270874500275},{"word":"in","start":651.33,"end":651.49,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03470949828624725},{"word":"the","start":651.49,"end":651.65,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06872914731502533},{"word":"event","start":651.65,"end":651.89,"confidence":1.0,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.06752672791481018},{"word":"that","start":651.89,"end":652.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1245325580239296},{"word":"something","start":652.13,"end":652.53,"confidence":0.9970703,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.1478113830089569},{"word":"was","start":652.53,"end":652.77,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2479790151119232},{"word":"to","start":652.77,"end":652.93,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.255859375},{"word":"happen","start":652.93,"end":653.43,"confidence":0.9921875,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":-0.1792515218257904},{"word":"but","start":653.595,"end":653.83496,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.061754487454891205},{"word":"if","start":653.83496,"end":653.995,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07690000534057617},{"word":"you","start":653.995,"end":654.07495,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.058161698281764984},{"word":"think","start":654.07495,"end":654.31494,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.05943208187818527},{"word":"about","start":654.31494,"end":654.63495,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0973157435655594},{"word":"the","start":654.63495,"end":654.795,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07181113213300705},{"word":"level","start":654.795,"end":655.115,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.03834954649209976},{"word":"of","start":655.115,"end":655.27496,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.045487433671951294},{"word":"cover","start":655.27496,"end":655.595,"confidence":0.99609375,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.07860295474529266},{"word":"you","start":655.595,"end":655.83496,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05892886221408844},{"word":"have","start":655.83496,"end":656.33496,"confidence":0.95581055,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.04914535209536552},{"word":"not","start":656.63495,"end":656.95496,"confidence":0.9863281,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.008515730500221252},{"word":"factoring","start":656.95496,"end":657.435,"confidence":0.9995117,"punctuated_word":"factoring","sentiment":"neutral","sentiment_score":0.008172169327735901},{"word":"in","start":657.435,"end":657.595,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.000759616494178772},{"word":"the","start":657.595,"end":657.75494,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03287782520055771},{"word":"tax","start":657.75494,"end":658.15497,"confidence":0.9921875,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.030935578048229218},{"word":"side","start":658.15497,"end":658.39496,"confidence":0.9941406,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.028931334614753723},{"word":"of","start":658.39496,"end":658.475,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08910328149795532},{"word":"things","start":658.475,"end":658.975,"confidence":0.9614258,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.05349166318774223},{"word":"but","start":659.75494,"end":660.07495,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.043301135301589966},{"word":"if","start":660.07495,"end":660.31494,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.027640489861369133},{"word":"you","start":660.31494,"end":660.475,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005262628197669983},{"word":"were","start":660.475,"end":660.795,"confidence":0.99902344,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.017305411398410797},{"word":"to","start":660.795,"end":660.95496,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00619923323392868},{"word":"claim","start":660.95496,"end":661.355,"confidence":1.0,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.015157893300056458},{"word":"on","start":661.355,"end":661.595,"confidence":0.9921875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0031821727752685547},{"word":"that","start":661.595,"end":662.095,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0018325969576835632},{"word":"with","start":662.235,"end":662.555,"confidence":0.9863281,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.014408119022846222},{"word":"the","start":662.555,"end":662.71497,"confidence":0.96533203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006640926003456116},{"word":"total","start":662.71497,"end":663.19495,"confidence":0.9941406,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.008908487856388092},{"word":"benefit","start":663.19495,"end":663.675,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.05321216583251953},{"word":"now","start":663.915,"end":664.235,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.01868722587823868},{"word":"your","start":664.235,"end":664.63495,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.015759557485580444},{"word":"income","start":664.63495,"end":665.035,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0001639276742935181},{"word":"i","start":665.035,"end":665.19495,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0109456405043602},{"word":"have","start":665.19495,"end":665.435,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05318144336342811},{"word":"here","start":665.435,"end":665.595,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.021167580038309097},{"word":"is","start":665.595,"end":665.75494,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01072252169251442},{"word":"about","start":665.75494,"end":665.995,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.011490114033222198},{"word":"120,000","start":665.995,"end":667.27496,"confidence":0.9981445,"punctuated_word":"120,000.","sentiment":"neutral","sentiment_score":-0.018270907923579216},{"word":"is","start":667.27496,"end":667.435,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.04302521049976349},{"word":"that","start":667.435,"end":667.675,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.057731036096811295},{"word":"right","start":667.675,"end":668.175,"confidence":0.9995117,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.008465109393000603},{"word":"yep","start":670.75,"end":670.99,"confidence":0.826416,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26124656200408936},{"word":"beautiful","start":670.99,"end":671.47003,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5550782680511475},{"word":"and","start":671.47003,"end":671.95,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3027817904949188},{"word":"you're","start":671.95,"end":672.27,"confidence":0.98583984,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2144097685813904},{"word":"renting","start":672.27,"end":672.75,"confidence":1.0,"punctuated_word":"renting","sentiment":"neutral","sentiment_score":0.27602463960647583},{"word":"where","start":672.75,"end":672.99,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.18704985082149503},{"word":"you","start":672.99,"end":673.15,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11201462149620056},{"word":"are","start":673.15,"end":673.31,"confidence":0.9794922,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":0.14680273830890656},{"word":"is","start":673.31,"end":673.55,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.14456617832183838},{"word":"that","start":673.55,"end":673.71,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16137449443340302},{"word":"correct","start":673.71,"end":674.21,"confidence":1.0,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.1504375785589218},{"word":"yeah","start":675.95,"end":676.35,"confidence":0.81762695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1257653534412384},{"word":"so","start":676.35,"end":676.59,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10173998028039932},{"word":"if","start":676.59,"end":676.75,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11464644223451614},{"word":"we","start":676.75,"end":676.99,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10500010848045348},{"word":"sort","start":676.99,"end":677.15,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08338969945907593},{"word":"of","start":677.15,"end":677.31,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10047945380210876},{"word":"look","start":677.31,"end":677.55,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05277105048298836},{"word":"at","start":677.55,"end":677.71,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07323113083839417},{"word":"income","start":677.71,"end":678.11,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.08055037260055542},{"word":"replacement","start":678.11,"end":678.61,"confidence":0.99902344,"punctuated_word":"replacement","sentiment":"neutral","sentiment_score":0.07645140588283539},{"word":"based","start":678.75,"end":679.07,"confidence":0.93603516,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.08326726406812668},{"word":"on","start":679.07,"end":679.23,"confidence":0.9604492,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07774992287158966},{"word":"the","start":679.23,"end":679.39,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07575838267803192},{"word":"benefit","start":679.39,"end":679.79,"confidence":0.9980469,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.11050055921077728},{"word":"you","start":679.79,"end":680.03,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0666150450706482},{"word":"have","start":680.03,"end":680.19,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09347815811634064},{"word":"at","start":680.19,"end":680.35,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07404763996601105},{"word":"the","start":680.35,"end":680.51,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11562206596136092},{"word":"moment","start":680.51,"end":681.01,"confidence":0.7585449,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.1153341829776764},{"word":"and","start":681.44495,"end":681.685,"confidence":0.9091797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09354785084724426},{"word":"if","start":681.685,"end":681.845,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09790576994419098},{"word":"we","start":681.845,"end":682.08496,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10400690138339996},{"word":"divide","start":682.08496,"end":682.485,"confidence":1.0,"punctuated_word":"divide","sentiment":"neutral","sentiment_score":0.10641823709011078},{"word":"that","start":682.485,"end":682.725,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09952504932880402},{"word":"by","start":682.725,"end":682.96497,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.08776341378688812},{"word":"your","start":682.96497,"end":683.20496,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0746750757098198},{"word":"current","start":683.20496,"end":683.685,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.08113301545381546},{"word":"income","start":683.685,"end":684.165,"confidence":0.99853516,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.08456671237945557},{"word":"it","start":684.165,"end":684.32495,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13471131026744845},{"word":"would","start":684.32495,"end":684.565,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10769961774349213},{"word":"replace","start":684.565,"end":685.065,"confidence":1.0,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":0.0985219180583954},{"word":"income","start":685.125,"end":685.52496,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06912051141262054},{"word":"for","start":685.52496,"end":685.685,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07300101220607758},{"word":"about","start":685.685,"end":686.08496,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06935273110866547},{"word":"four","start":686.08496,"end":686.40497,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.07836717367172241},{"word":"years","start":686.40497,"end":686.90497,"confidence":0.99902344,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.08307930082082748},{"word":"admittedly","start":687.76495,"end":688.26495,"confidence":0.97436523,"punctuated_word":"Admittedly,","sentiment":"neutral","sentiment_score":0.04665511101484299},{"word":"it's","start":688.32495,"end":688.485,"confidence":0.9902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04803183302283287},{"word":"not","start":688.485,"end":688.805,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0028804391622543335},{"word":"a","start":688.805,"end":689.045,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.023958269506692886},{"word":"lot","start":689.045,"end":689.545,"confidence":0.86987305,"punctuated_word":"lot,","sentiment":"neutral","sentiment_score":0.00940483808517456},{"word":"but","start":689.605,"end":689.925,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.022844359278678898},{"word":"does","start":689.925,"end":690.165,"confidence":0.9951172,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.0049608126282691956},{"word":"your","start":690.165,"end":690.485,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.013997279107570648},{"word":"wife","start":690.485,"end":690.725,"confidence":1.0,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.030941486358642575},{"word":"work","start":690.725,"end":690.845,"confidence":0.96875,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.011563122272491457},{"word":"would","start":690.96497,"end":691.20496,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0508718341588974},{"word":"she","start":691.20496,"end":691.44495,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.03338419646024704},{"word":"also","start":691.44495,"end":691.845,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.049482494592666626},{"word":"be","start":691.845,"end":692.00494,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04275849461555481},{"word":"able","start":692.00494,"end":692.245,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.06366850435733795},{"word":"to","start":692.245,"end":692.40497,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0543573796749115},{"word":"earn","start":692.40497,"end":692.64496,"confidence":0.99609375,"punctuated_word":"earn","sentiment":"neutral","sentiment_score":0.011157646775245668},{"word":"income","start":692.64496,"end":693.045,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.04155769199132919},{"word":"to","start":693.045,"end":693.20496,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06960340589284897},{"word":"help","start":693.20496,"end":693.44495,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.062531478703022},{"word":"supplement","start":693.44495,"end":693.94495,"confidence":1.0,"punctuated_word":"supplement","sentiment":"neutral","sentiment_score":0.07966531813144684},{"word":"you","start":694.00494,"end":694.50494,"confidence":0.99902344,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.011191874742507936},{"word":"okay","start":697.5,"end":697.74,"confidence":0.9230957,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.04213150963187218},{"word":"so","start":697.74,"end":698.06,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.003891177475452423},{"word":"it's","start":698.06,"end":698.22003,"confidence":0.9560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.015083186328411102},{"word":"just","start":698.22003,"end":698.54004,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02008599042892456},{"word":"yourself","start":698.54004,"end":698.94,"confidence":0.77368164,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":0.00983242318034172},{"word":"so","start":698.94,"end":699.18,"confidence":0.88916016,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.04573621973395347},{"word":"realistically","start":699.18,"end":699.68,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.05178944021463394},{"word":"if","start":700.54004,"end":700.78,"confidence":0.9667969,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.044620852917432785},{"word":"you","start":700.78,"end":701.02,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03187675029039383},{"word":"are","start":701.02,"end":701.26,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01197650283575058},{"word":"having","start":701.26,"end":701.58,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.00947897881269455},{"word":"to","start":701.58,"end":701.74,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0004097595810890198},{"word":"draw","start":701.74,"end":701.98,"confidence":0.99902344,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":-0.021964192390441895},{"word":"that","start":701.98,"end":702.22003,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.024470582604408264},{"word":"income","start":702.22003,"end":702.7,"confidence":0.99121094,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.026591502130031586},{"word":"of","start":702.7,"end":702.86,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03809622675180435},{"word":"a","start":702.86,"end":703.02,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03151600435376167},{"word":"$120,000","start":703.02,"end":704.46,"confidence":0.99853516,"punctuated_word":"$120,000","sentiment":"neutral","sentiment_score":0.01543046534061432},{"word":"per","start":704.46,"end":704.62,"confidence":0.98291016,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.0210401713848114},{"word":"year","start":704.62,"end":704.86,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.017139703035354614},{"word":"for","start":704.86,"end":705.10004,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.025165677070617676},{"word":"expenses","start":705.10004,"end":705.60004,"confidence":0.99853516,"punctuated_word":"expenses,","sentiment":"neutral","sentiment_score":-0.0009471848607063292},{"word":"your","start":706.22003,"end":706.72003,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.025811299681663513},{"word":"tpd","start":707.02,"end":707.52,"confidence":0.86621094,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.0008781775832176208},{"word":"benefit","start":707.58,"end":708.06,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.022571220993995667},{"word":"would","start":708.06,"end":708.22003,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.030138179659843445},{"word":"last","start":708.22003,"end":708.54004,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.013517871499061584},{"word":"about","start":708.54004,"end":709.04004,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0017101168632507324},{"word":"four","start":709.10004,"end":709.34,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.015783458948135376},{"word":"years","start":709.34,"end":709.84,"confidence":0.99658203,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.0069646164774894714},{"word":"if","start":710.505,"end":710.745,"confidence":0.9941406,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.0321124866604805},{"word":"for","start":710.745,"end":710.825,"confidence":0.7373047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0510716438293457},{"word":"any","start":710.825,"end":711.065,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.019858986139297485},{"word":"reason","start":711.065,"end":711.385,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.04062897711992264},{"word":"you","start":711.385,"end":711.625,"confidence":0.68896484,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.020370706915855408},{"word":"could","start":711.625,"end":711.86505,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.02521519362926483},{"word":"sort","start":711.86505,"end":712.025,"confidence":0.9770508,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.036457911133766174},{"word":"of","start":712.025,"end":712.265,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05957314372062683},{"word":"last","start":712.265,"end":712.585,"confidence":0.97802734,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0918193906545639},{"word":"on","start":712.585,"end":712.905,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08988780528306961},{"word":"a","start":712.905,"end":712.98505,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08021426200866699},{"word":"little","start":712.98505,"end":713.22504,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.05210551619529724},{"word":"bit","start":713.22504,"end":713.465,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07628586888313293},{"word":"less","start":713.465,"end":713.78503,"confidence":0.91259766,"punctuated_word":"less,","sentiment":"neutral","sentiment_score":-0.08659861981868744},{"word":"say","start":713.78503,"end":714.10504,"confidence":0.95654297,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.08493932336568832},{"word":"if","start":714.10504,"end":714.265,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05955841764807701},{"word":"you're","start":714.265,"end":714.505,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.07954336702823639},{"word":"not","start":714.505,"end":714.825,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08457281440496445},{"word":"working","start":714.825,"end":715.22504,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.10036497563123704},{"word":"and","start":715.22504,"end":715.385,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0935571864247322},{"word":"the","start":715.385,"end":715.625,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08567279577255249},{"word":"expenses","start":715.625,"end":716.125,"confidence":0.99902344,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":-0.045254357159137726},{"word":"are","start":716.265,"end":716.505,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.08526971936225891},{"word":"a","start":716.505,"end":716.585,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08764353394508362},{"word":"little","start":716.585,"end":716.825,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.028407126665115356},{"word":"bit","start":716.825,"end":717.065,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05569720268249512},{"word":"lower","start":717.065,"end":717.565,"confidence":0.9975586,"punctuated_word":"lower,","sentiment":"neutral","sentiment_score":-0.07353921234607697},{"word":"you","start":718.185,"end":718.42505,"confidence":0.8911133,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07362383604049683},{"word":"might","start":718.42505,"end":718.66504,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.042384400963783264},{"word":"be","start":718.66504,"end":718.825,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.003411710262298584},{"word":"able","start":718.825,"end":719.22504,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.007846876978874207},{"word":"to","start":719.22504,"end":719.625,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.022090405225753784},{"word":"essentially","start":719.625,"end":720.125,"confidence":0.81933594,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.01639419049024582},{"word":"live","start":721.065,"end":721.30505,"confidence":0.9951172,"punctuated_word":"live","sentiment":"neutral","sentiment_score":0.04166434705257416},{"word":"on","start":721.30505,"end":721.54504,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.012109920382499697},{"word":"a","start":721.54504,"end":721.86505,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024086371064186096},{"word":"smaller","start":721.86505,"end":722.34503,"confidence":0.9970703,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.019462451338768005},{"word":"income","start":722.34503,"end":722.825,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.017412588000297546},{"word":"amount","start":722.825,"end":723.325,"confidence":0.92333984,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":0.01503881812095642},{"word":"so","start":723.385,"end":723.705,"confidence":0.75439453,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.051731619983911514},{"word":"say","start":723.705,"end":724.205,"confidence":0.9980469,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.08930487930774689},{"word":"that","start":724.56,"end":724.8,"confidence":0.95703125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08191296458244324},{"word":"divided","start":724.8,"end":725.28,"confidence":0.9941406,"punctuated_word":"divided","sentiment":"neutral","sentiment_score":0.1051364615559578},{"word":"by","start":725.28,"end":725.78,"confidence":0.94750977,"punctuated_word":"by,","sentiment":"neutral","sentiment_score":0.06907244026660919},{"word":"say","start":726.24,"end":726.56,"confidence":0.986084,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.06142734736204147},{"word":"$60,000","start":726.56,"end":727.76,"confidence":0.99975586,"punctuated_word":"$60,000","sentiment":"neutral","sentiment_score":0.07772177457809448},{"word":"a","start":727.76,"end":727.92,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0842190533876419},{"word":"year","start":727.92,"end":728.42,"confidence":0.7783203,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.08212871849536896},{"word":"and","start":728.8,"end":728.96,"confidence":0.5185547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09815056622028352},{"word":"that","start":728.96,"end":729.12,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10074552893638612},{"word":"would","start":729.12,"end":729.36,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10312750935554504},{"word":"mean","start":729.36,"end":729.52,"confidence":1.0,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.11257615685462952},{"word":"that","start":729.52,"end":729.76,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10137757658958436},{"word":"the","start":729.76,"end":729.92,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1131075844168663},{"word":"benefit","start":729.92,"end":730.4,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.11562830954790115},{"word":"total","start":730.4,"end":730.8,"confidence":0.99609375,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.14953568577766418},{"word":"could","start":730.8,"end":730.96,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.10395660251379012},{"word":"last","start":730.96,"end":731.28,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1285051852464676},{"word":"about","start":731.28,"end":731.60004,"confidence":0.7597656,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06111299991607666},{"word":"eight","start":731.60004,"end":731.84,"confidence":0.9980469,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.06565607339143753},{"word":"years","start":731.84,"end":732.16003,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.1161387264728546},{"word":"wholly","start":732.16003,"end":732.66003,"confidence":0.9560547,"punctuated_word":"wholly","sentiment":"neutral","sentiment_score":0.1194951981306076},{"word":"after","start":732.72003,"end":733.04,"confidence":0.6699219,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.08660123497247696},{"word":"that","start":733.04,"end":733.28,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007833361625671387},{"word":"point","start":733.28,"end":733.78,"confidence":0.98950195,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":0.008676208555698395},{"word":"it'd","start":734.08,"end":734.4,"confidence":0.8342285,"punctuated_word":"It'd","sentiment":"neutral","sentiment_score":0.042144518345594406},{"word":"be","start":734.4,"end":734.56,"confidence":0.98828125,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.040784887969493866},{"word":"about","start":734.56,"end":734.8,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.01146627962589264},{"word":"whether","start":734.8,"end":735.12,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.03156904876232147},{"word":"you","start":735.12,"end":735.28,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05834616720676422},{"word":"could","start":735.28,"end":735.44,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.011529982089996338},{"word":"go","start":735.44,"end":735.68,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.008071944117546082},{"word":"back","start":735.68,"end":735.92,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.01655791699886322},{"word":"to","start":735.92,"end":736.08,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.049447014927864075},{"word":"work","start":736.08,"end":736.58,"confidence":0.9472656,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.006974615156650543},{"word":"whether","start":737.04,"end":737.28,"confidence":0.7163086,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.02857183665037155},{"word":"or","start":737.28,"end":737.52,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.026572346687316895},{"word":"not","start":737.52,"end":737.68,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.00257110595703125},{"word":"you","start":737.68,"end":737.84,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03616932779550552},{"word":"could","start":737.84,"end":738.08,"confidence":0.99853516,"punctuated_word":"could,","sentiment":"neutral","sentiment_score":0.04552461951971054},{"word":"you","start":738.08,"end":738.24,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04510942101478577},{"word":"know","start":738.24,"end":738.4,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.041007284075021744},{"word":"claim","start":738.4,"end":738.72003,"confidence":1.0,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.08004619181156158},{"word":"on","start":738.72003,"end":738.88,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09270252287387848},{"word":"centrelink","start":738.88,"end":739.38,"confidence":0.9820964,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":0.111680269241333},{"word":"and","start":739.44,"end":739.60004,"confidence":0.60302734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08782363682985306},{"word":"things","start":739.60004,"end":740.0,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.08491834998130798},{"word":"like","start":740.0,"end":740.205,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.04793611168861389},{"word":"that","start":740.925,"end":741.245,"confidence":0.953125,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.11985232681035995},{"word":"you","start":741.245,"end":741.48505,"confidence":0.75439453,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1364377737045288},{"word":"also","start":741.48505,"end":741.885,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.13944995403289795},{"word":"do","start":741.885,"end":742.04504,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13699501752853394},{"word":"have","start":742.04504,"end":742.445,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10555648058652878},{"word":"income","start":742.445,"end":742.84503,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.08067386597394943},{"word":"protection","start":742.84503,"end":743.34503,"confidence":0.74780273,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.09877851605415344},{"word":"so","start":743.405,"end":743.645,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15393002331256866},{"word":"you","start":743.645,"end":743.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17660820484161377},{"word":"can","start":743.805,"end":744.04504,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1592002809047699},{"word":"be","start":744.04504,"end":744.205,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13695940375328064},{"word":"on","start":744.205,"end":744.365,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11346081644296646},{"word":"an","start":744.365,"end":744.525,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0912654995918274},{"word":"income","start":744.525,"end":744.925,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06853879988193512},{"word":"protection","start":744.925,"end":745.425,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.04724741727113724},{"word":"benefit","start":745.48505,"end":745.965,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.10311447083950044},{"word":"if","start":745.965,"end":746.205,"confidence":0.95410156,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14097294211387634},{"word":"that's","start":746.205,"end":746.705,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0944560095667839},{"word":"a","start":746.765,"end":746.84503,"confidence":0.97998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08050063252449036},{"word":"possibility","start":746.84503,"end":747.34503,"confidence":0.65966797,"punctuated_word":"possibility","sentiment":"neutral","sentiment_score":0.06683418154716492},{"word":"that","start":747.565,"end":747.805,"confidence":0.74072266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08776906877756119},{"word":"time","start":747.805,"end":748.125,"confidence":0.9902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07047963887453079},{"word":"as","start":748.125,"end":748.28503,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11836874485015868},{"word":"well","start":748.28503,"end":748.765,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.11330009996891022},{"word":"does","start":748.765,"end":749.005,"confidence":0.9970703,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.11971920728683472},{"word":"that","start":749.005,"end":749.245,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1313215345144272},{"word":"make","start":749.245,"end":749.48505,"confidence":0.99121094,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0863243043422699},{"word":"sense","start":749.48505,"end":749.98505,"confidence":0.9995117,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.07865552604198456},{"word":"yeah","start":751.645,"end":752.125,"confidence":0.94433594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.038909912109375},{"word":"did","start":752.125,"end":752.365,"confidence":0.9951172,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.07249616086483002},{"word":"you","start":752.365,"end":752.525,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11298994719982149},{"word":"wanna","start":752.525,"end":752.84503,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.10218668729066847},{"word":"review","start":752.84503,"end":753.16504,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.1090576872229576},{"word":"the","start":753.16504,"end":753.325,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09630928188562392},{"word":"tbd","start":753.325,"end":753.825,"confidence":0.9165039,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.0661635547876358},{"word":"cover","start":754.04504,"end":754.28503,"confidence":0.7475586,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.10607274621725082},{"word":"or","start":754.28503,"end":754.525,"confidence":0.98095703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12131907045841216},{"word":"you're","start":754.525,"end":754.685,"confidence":0.9885254,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.16444352269172668},{"word":"happy","start":754.685,"end":755.005,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.23930278420448303},{"word":"with","start":755.005,"end":755.16504,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1863537430763245},{"word":"that","start":755.16504,"end":755.325,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3129996955394745},{"word":"level","start":755.325,"end":755.565,"confidence":0.9970703,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.20837578177452087},{"word":"for","start":755.565,"end":755.91,"confidence":0.96875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11812710762023926},{"word":"time","start":755.99,"end":756.23,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1945873349905014},{"word":"being","start":756.23,"end":756.38995,"confidence":0.74902344,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":0.14699560403823853},{"word":"or","start":756.38995,"end":756.79,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08449938893318176},{"word":"do","start":756.79,"end":756.94995,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06321633607149124},{"word":"you","start":756.94995,"end":757.11,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09171593189239502},{"word":"have","start":757.11,"end":757.26996,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07269637286663055},{"word":"more","start":757.26996,"end":757.58997,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.046430349349975586},{"word":"questions","start":757.58997,"end":758.06995,"confidence":0.9951172,"punctuated_word":"questions?","sentiment":"neutral","sentiment_score":0.08274543285369873},{"word":"if","start":758.06995,"end":758.31,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2054094225168228},{"word":"you","start":758.31,"end":758.38995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19255973398685455},{"word":"do","start":758.38995,"end":758.62994,"confidence":0.99902344,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.2165680229663849},{"word":"you're","start":758.62994,"end":758.87,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3066326379776001},{"word":"welcome","start":758.87,"end":759.19,"confidence":1.0,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.5252014398574829},{"word":"to","start":759.19,"end":759.35,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4498763084411621},{"word":"let","start":759.35,"end":759.58997,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.41319385170936584},{"word":"me","start":759.58997,"end":759.75,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.36757907271385193},{"word":"know","start":759.75,"end":760.25,"confidence":1.0,"punctuated_word":"know.","sentiment":"positive","sentiment_score":0.3937443494796753},{"word":"yeah","start":763.43,"end":763.93,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07745663821697235},{"word":"that's","start":764.23,"end":764.73,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.25406643748283386},{"word":"that's","start":765.67,"end":766.14996,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.18293657898902893},{"word":"yeah","start":767.02997,"end":767.26996,"confidence":0.97436523,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.3407942056655884},{"word":"that's","start":767.26996,"end":767.58997,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6461868286132812},{"word":"absolutely","start":767.58997,"end":768.08997,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.624428927898407},{"word":"fine","start":768.38995,"end":768.825,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.5165720582008362},{"word":"if","start":768.905,"end":769.065,"confidence":0.99902344,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.3364540934562683},{"word":"you","start":769.065,"end":769.305,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21441425383090973},{"word":"like","start":769.305,"end":769.465,"confidence":0.9926758,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.26303231716156006},{"word":"malcolm","start":769.465,"end":769.945,"confidence":0.99316406,"punctuated_word":"Malcolm,","sentiment":"neutral","sentiment_score":0.2527860105037689},{"word":"what","start":769.945,"end":770.10504,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15613505244255066},{"word":"i","start":770.10504,"end":770.185,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1535277962684631},{"word":"could","start":770.185,"end":770.425,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.15367203950881958},{"word":"do","start":770.425,"end":770.585,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13600732386112213},{"word":"after","start":770.585,"end":770.825,"confidence":0.9980469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.16505536437034607},{"word":"the","start":770.825,"end":770.905,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1723245084285736},{"word":"call","start":770.905,"end":771.145,"confidence":0.9980469,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.15009866654872894},{"word":"is","start":771.145,"end":771.305,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14749304950237274},{"word":"i","start":771.305,"end":771.385,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22871354222297668},{"word":"could","start":771.385,"end":771.625,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.2062464654445648},{"word":"send","start":771.625,"end":771.865,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.19984637200832367},{"word":"you","start":771.865,"end":772.025,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1967529654502869},{"word":"a","start":772.025,"end":772.10504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17104816436767578},{"word":"little","start":772.10504,"end":772.34503,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1410326063632965},{"word":"bit","start":772.34503,"end":772.425,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.15927459299564362},{"word":"of","start":772.425,"end":772.585,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18293367326259613},{"word":"an","start":772.585,"end":772.825,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1748763769865036},{"word":"email","start":772.825,"end":773.22504,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.17795529961586},{"word":"breakdown","start":773.22504,"end":773.72504,"confidence":0.9970703,"punctuated_word":"breakdown","sentiment":"neutral","sentiment_score":0.14009156823158264},{"word":"noting","start":773.78503,"end":774.185,"confidence":0.5058594,"punctuated_word":"noting","sentiment":"neutral","sentiment_score":0.1636848896741867},{"word":"a","start":774.185,"end":774.34503,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14476823806762695},{"word":"little","start":774.34503,"end":774.505,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.12072625011205672},{"word":"bit","start":774.505,"end":774.745,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1259365826845169},{"word":"about","start":774.745,"end":774.985,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13337863981723783},{"word":"the","start":774.985,"end":775.145,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1500554233789444},{"word":"life","start":775.145,"end":775.465,"confidence":0.51416016,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.1937582641839981},{"word":"keeping","start":775.465,"end":775.865,"confidence":0.5366211,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.23141267895698547},{"word":"in","start":775.865,"end":776.025,"confidence":0.64941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15323668718338013},{"word":"income","start":776.025,"end":776.34503,"confidence":0.9741211,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.19704094529151917},{"word":"protection","start":776.34503,"end":776.84503,"confidence":0.9980469,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.15377213060855863},{"word":"policies","start":776.985,"end":777.465,"confidence":0.9851074,"punctuated_word":"policies,","sentiment":"neutral","sentiment_score":0.15916520357131958},{"word":"what","start":777.465,"end":777.705,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.19533120095729828},{"word":"they","start":777.705,"end":777.945,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.14957164227962494},{"word":"pay","start":777.945,"end":778.185,"confidence":0.9995117,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":0.12955938279628754},{"word":"how","start":778.185,"end":778.425,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.13740818202495575},{"word":"they","start":778.425,"end":778.66504,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.13806825876235962},{"word":"cover","start":778.66504,"end":779.16504,"confidence":0.9213867,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.118708498775959},{"word":"and","start":779.385,"end":779.625,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15821772813796997},{"word":"notice","start":779.625,"end":780.025,"confidence":0.4519043,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.20107464492321017},{"word":"a","start":780.025,"end":780.10504,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19188255071640015},{"word":"bit","start":780.10504,"end":780.265,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.15803460776805878},{"word":"about","start":780.265,"end":780.585,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.15354983508586884},{"word":"your","start":780.585,"end":780.905,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15828755497932434},{"word":"cover","start":780.905,"end":781.305,"confidence":0.99121094,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.1456594467163086},{"word":"that","start":781.305,"end":781.465,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22431273758411407},{"word":"you","start":781.465,"end":781.625,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16554217040538788},{"word":"have","start":781.625,"end":781.865,"confidence":0.9855957,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.20890219509601593},{"word":"that","start":781.865,"end":782.10504,"confidence":0.99609375,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.15543779730796814},{"word":"way","start":782.10504,"end":782.265,"confidence":0.77612305,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.2196906805038452},{"word":"if","start":782.265,"end":782.34503,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24633117020130155},{"word":"you","start":782.34503,"end":782.585,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20061686635017395},{"word":"do","start":782.585,"end":782.825,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21029330790042877},{"word":"find","start":782.825,"end":783.145,"confidence":0.99121094,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.21732978522777557},{"word":"you","start":783.145,"end":783.305,"confidence":0.9604492,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17327503859996796},{"word":"wanna","start":783.305,"end":783.625,"confidence":0.9248047,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.20167607069015503},{"word":"review","start":783.625,"end":783.945,"confidence":0.9921875,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.08821585774421692},{"word":"that","start":783.945,"end":784.185,"confidence":0.94921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2231299579143524},{"word":"or","start":784.185,"end":784.265,"confidence":0.91015625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2198699116706848},{"word":"have","start":784.265,"end":784.765,"confidence":0.96777344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2532222867012024},{"word":"additional","start":784.88,"end":785.04,"confidence":0.81933594,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.1846126765012741},{"word":"questions","start":785.04,"end":785.27997,"confidence":0.9890137,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.22383657097816467},{"word":"you","start":785.27997,"end":785.51996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28898075222969055},{"word":"can","start":785.51996,"end":785.76,"confidence":0.9863281,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2271059602499008},{"word":"let","start":785.76,"end":786.0,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.22701674699783325},{"word":"me","start":786.0,"end":786.16,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.21970497071743011},{"word":"know","start":786.16,"end":786.66,"confidence":0.99560547,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.20715492963790896},{"word":"i","start":787.04,"end":787.2,"confidence":0.59521484,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07507921010255814},{"word":"know","start":787.2,"end":787.44,"confidence":0.99609375,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05949036031961441},{"word":"going","start":787.44,"end":787.68,"confidence":0.98535156,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.08600369095802307},{"word":"through","start":787.68,"end":787.92,"confidence":0.93847656,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06851207464933395},{"word":"the","start":787.92,"end":788.08,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06271158158779144},{"word":"review","start":788.08,"end":788.39996,"confidence":0.9748535,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.0360233448445797},{"word":"it","start":788.39996,"end":788.48,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.004340939223766327},{"word":"is","start":788.48,"end":788.64,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03757557272911072},{"word":"hard","start":788.64,"end":788.95996,"confidence":0.9970703,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.10144715011119844},{"word":"to","start":788.95996,"end":789.04,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.042186446487903595},{"word":"think","start":789.04,"end":789.27997,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.050633929669857025},{"word":"about","start":789.27997,"end":789.6,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.05401162803173065},{"word":"what","start":789.6,"end":789.76,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03733445703983307},{"word":"level","start":789.76,"end":790.16,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.013951361179351808},{"word":"you","start":790.16,"end":790.32,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05233337730169296},{"word":"might","start":790.32,"end":790.56,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.07078375667333603},{"word":"need","start":790.56,"end":791.06,"confidence":0.82299805,"punctuated_word":"need,","sentiment":"neutral","sentiment_score":0.0013931989669799805},{"word":"and","start":791.51996,"end":791.68,"confidence":0.9277344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.029296524822711945},{"word":"it","start":791.68,"end":791.83997,"confidence":0.90234375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.008191235363483429},{"word":"is","start":791.83997,"end":792.08,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0037428364157676697},{"word":"a","start":792.08,"end":792.16,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00609598308801651},{"word":"lot","start":792.16,"end":792.39996,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.015770673751831055},{"word":"to","start":792.39996,"end":792.56,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0295913890004158},{"word":"go","start":792.56,"end":792.8,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04876994341611862},{"word":"through","start":792.8,"end":793.04,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.023452870547771457},{"word":"the","start":793.04,"end":793.27997,"confidence":0.91015625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03818108141422272},{"word":"insurance","start":793.27997,"end":793.77997,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.014024987816810608},{"word":"information","start":793.83997,"end":794.33997,"confidence":0.91186523,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.01025109738111496},{"word":"so","start":794.56,"end":795.06,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07312893122434616},{"word":"you","start":795.44,"end":795.51996,"confidence":0.9589844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08360370248556137},{"word":"might","start":795.51996,"end":795.76,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.07380989193916321},{"word":"find","start":795.76,"end":796.08,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.08036632835865021},{"word":"later","start":796.08,"end":796.39996,"confidence":0.96240234,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.06268429756164551},{"word":"you","start":796.39996,"end":796.56,"confidence":0.94921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08342024683952332},{"word":"have","start":796.56,"end":796.72,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0823950320482254},{"word":"additional","start":796.72,"end":797.2,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.031252119690179825},{"word":"questions","start":797.2,"end":797.68,"confidence":1.0,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":0.034107547253370285},{"word":"does","start":797.68,"end":797.92,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0903371125459671},{"word":"that","start":797.92,"end":798.08,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15116819739341736},{"word":"sound","start":798.08,"end":798.39996,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.0791478157043457},{"word":"okay","start":798.39996,"end":798.89996,"confidence":0.9995117,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.10407210886478424},{"word":"yeah","start":800.89496,"end":801.295,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4614250957965851},{"word":"beautiful","start":801.295,"end":801.795,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6581976413726807},{"word":"now","start":802.735,"end":802.89496,"confidence":0.74316406,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.3226984441280365},{"word":"you","start":802.89496,"end":803.055,"confidence":0.98535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19383111596107483},{"word":"do","start":803.055,"end":803.21497,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1940854787826538},{"word":"also","start":803.21497,"end":803.535,"confidence":0.99609375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.17341135442256927},{"word":"have","start":803.535,"end":803.69495,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16732564568519592},{"word":"the","start":803.69495,"end":803.855,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14159972965717316},{"word":"income","start":803.855,"end":804.255,"confidence":0.98535156,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.12193919718265532},{"word":"protection","start":804.255,"end":804.755,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.07572174817323685},{"word":"benefit","start":804.815,"end":805.295,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.11202997714281082},{"word":"here","start":805.295,"end":805.795,"confidence":0.99316406,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.13257011771202087},{"word":"it","start":805.855,"end":806.175,"confidence":0.9604492,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.11198310554027556},{"word":"currently","start":806.175,"end":806.65497,"confidence":0.890625,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.0880325436592102},{"word":"has","start":806.65497,"end":806.89496,"confidence":0.9980469,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.09786577522754668},{"word":"a","start":806.89496,"end":807.055,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09032228589057922},{"word":"monthly","start":807.055,"end":807.45496,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.13591250777244568},{"word":"pay","start":807.45496,"end":807.69495,"confidence":0.9658203,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.07527898252010345},{"word":"benefit","start":807.77496,"end":808.255,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.09032464772462843},{"word":"payable","start":808.255,"end":808.755,"confidence":0.9941406,"punctuated_word":"payable","sentiment":"neutral","sentiment_score":0.1205819770693779},{"word":"pretax","start":809.055,"end":809.555,"confidence":0.86694336,"punctuated_word":"pretax","sentiment":"neutral","sentiment_score":0.1499066948890686},{"word":"of","start":809.69495,"end":810.095,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09157025068998335},{"word":"nine","start":810.095,"end":810.33496,"confidence":0.97265625,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.07640942931175232},{"word":"sorry","start":810.735,"end":811.055,"confidence":0.7841797,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.07097984850406647},{"word":"4,977","start":811.055,"end":813.39496,"confidence":0.9610421,"punctuated_word":"4,977.","sentiment":"neutral","sentiment_score":0.0464564748108387},{"word":"if","start":813.88,"end":814.04,"confidence":0.95947266,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.03298303857445717},{"word":"you","start":814.04,"end":814.19995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.058775000274181366},{"word":"were","start":814.19995,"end":814.44,"confidence":0.8535156,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.06931079179048538},{"word":"off","start":814.44,"end":814.6,"confidence":0.9819336,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.09947771579027176},{"word":"work","start":814.6,"end":814.83997,"confidence":0.82373047,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.11458492279052734},{"word":"due","start":814.83997,"end":815.0,"confidence":0.9951172,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.17368438839912417},{"word":"to","start":815.0,"end":815.16,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1560453474521637},{"word":"illness","start":815.16,"end":815.48,"confidence":0.99121094,"punctuated_word":"illness","sentiment":"neutral","sentiment_score":-0.1184530034661293},{"word":"or","start":815.48,"end":815.63995,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1845578700304031},{"word":"injury","start":815.63995,"end":815.95996,"confidence":0.9941406,"punctuated_word":"injury,","sentiment":"neutral","sentiment_score":-0.10033787786960602},{"word":"do","start":815.95996,"end":816.12,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0767466276884079},{"word":"you","start":816.12,"end":816.19995,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.061501309275627136},{"word":"feel","start":816.19995,"end":816.44,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.09328845143318176},{"word":"like","start":816.44,"end":816.6,"confidence":0.98095703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.07720427960157394},{"word":"that's","start":816.6,"end":816.92,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0478132888674736},{"word":"appropriate","start":816.92,"end":817.42,"confidence":0.99902344,"punctuated_word":"appropriate?","sentiment":"neutral","sentiment_score":-0.0793665200471878},{"word":"do","start":817.48,"end":817.63995,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.07264120131731033},{"word":"you","start":817.63995,"end":817.8,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05792545527219772},{"word":"feel","start":817.8,"end":817.95996,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.08873318880796432},{"word":"like","start":817.95996,"end":818.12,"confidence":0.984375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0968831107020378},{"word":"you","start":818.12,"end":818.27997,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07490888237953186},{"word":"would","start":818.27997,"end":818.44,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08544266223907471},{"word":"need","start":818.44,"end":818.6,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.08804929256439209},{"word":"to","start":818.6,"end":818.76,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07765184342861176},{"word":"sort","start":818.76,"end":818.92,"confidence":0.97265625,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0799289420247078},{"word":"of","start":818.92,"end":819.16,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0937451869249344},{"word":"reassess","start":819.16,"end":819.66,"confidence":0.9980469,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":-0.08446960896253586},{"word":"that","start":819.8,"end":820.04,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07483681291341782},{"word":"at","start":820.04,"end":820.54,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06940297782421112},{"word":"all","start":820.83997,"end":821.33997,"confidence":0.99902344,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.057749681174755096},{"word":"7,000","start":823.16,"end":824.06,"confidence":0.8964844,"punctuated_word":"7,000.","sentiment":"neutral","sentiment_score":-0.04657725244760513},{"word":"no","start":824.12,"end":824.27997,"confidence":0.9951172,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1331076622009277},{"word":"that's","start":824.27997,"end":824.6,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.06694929301738739},{"word":"okay","start":824.6,"end":825.1,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.027774561196565628},{"word":"looking","start":826.25494,"end":826.57495,"confidence":0.9614258,"punctuated_word":"Looking","sentiment":"neutral","sentiment_score":-0.08517111837863922},{"word":"at","start":826.57495,"end":826.81494,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08436194062232971},{"word":"your","start":826.81494,"end":827.055,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03336472064256668},{"word":"current","start":827.055,"end":827.375,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.05692233890295029},{"word":"income","start":827.375,"end":827.69495,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.017498061060905457},{"word":"based","start":827.69495,"end":827.935,"confidence":0.96875,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.01703999564051628},{"word":"on","start":827.935,"end":828.095,"confidence":0.8642578,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01150783896446228},{"word":"a","start":828.095,"end":828.25494,"confidence":0.80322266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.025527965277433395},{"word":"120,000","start":828.25494,"end":829.295,"confidence":0.9987793,"punctuated_word":"120,000,","sentiment":"neutral","sentiment_score":-0.03656105697154999},{"word":"you","start":829.295,"end":829.535,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10645976662635805},{"word":"are","start":829.535,"end":829.69495,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1073351949453354},{"word":"slightly","start":829.69495,"end":830.175,"confidence":1.0,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":-0.1511216014623642},{"word":"underinsured","start":830.175,"end":830.675,"confidence":0.88964844,"punctuated_word":"underinsured","sentiment":"neutral","sentiment_score":-0.12119799107313156},{"word":"for","start":830.975,"end":831.13495,"confidence":0.9633789,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08830952644348145},{"word":"income","start":831.13495,"end":831.535,"confidence":0.98828125,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.1458880752325058},{"word":"protection","start":831.535,"end":831.935,"confidence":0.9980469,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":-0.08239154517650604},{"word":"you","start":831.935,"end":832.175,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.002488456666469574},{"word":"can","start":832.175,"end":832.415,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02885984629392624},{"word":"always","start":832.415,"end":832.65497,"confidence":0.99902344,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.05473776161670685},{"word":"look","start":832.65497,"end":832.89496,"confidence":0.9873047,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.022023290395736694},{"word":"to","start":832.89496,"end":832.975,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02216538041830063},{"word":"increase","start":832.975,"end":833.45496,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.023099690675735474},{"word":"that","start":833.45496,"end":833.615,"confidence":0.90234375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01325593888759613},{"word":"to","start":833.615,"end":833.77496,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.008266985416412354},{"word":"70%","start":833.77496,"end":834.57495,"confidence":0.98376465,"punctuated_word":"70%,","sentiment":"neutral","sentiment_score":0.013027891516685486},{"word":"which","start":834.57495,"end":834.81494,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.03914725035429001},{"word":"is","start":834.81494,"end":834.89496,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0004771128296852112},{"word":"the","start":834.89496,"end":834.975,"confidence":0.8378906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0030234158039093018},{"word":"maximum","start":834.975,"end":835.475,"confidence":1.0,"punctuated_word":"maximum","sentiment":"neutral","sentiment_score":0.017292939126491547},{"word":"you","start":835.535,"end":835.69495,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003250107169151306},{"word":"can","start":835.69495,"end":835.855,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02335241436958313},{"word":"be","start":835.855,"end":836.01495,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03113788366317749},{"word":"covered","start":836.01495,"end":836.415,"confidence":1.0,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.029085621237754825},{"word":"for","start":836.415,"end":836.915,"confidence":0.9453125,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":0.0033965185284614563},{"word":"but","start":837.21497,"end":837.375,"confidence":0.94628906,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.003215014934539795},{"word":"if","start":837.375,"end":837.535,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06354096531867981},{"word":"you","start":837.535,"end":837.69495,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06945957988500595},{"word":"feel","start":837.69495,"end":837.935,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.13077440857887268},{"word":"like","start":837.935,"end":838.095,"confidence":0.92578125,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1338130384683609},{"word":"that's","start":838.095,"end":838.33496,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.16366201639175415},{"word":"an","start":838.33496,"end":838.495,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.16365012526512146},{"word":"appropriate","start":838.495,"end":838.995,"confidence":1.0,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":0.12303245067596436},{"word":"amount","start":839.13495,"end":839.535,"confidence":0.99853516,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":0.1329468935728073},{"word":"you're","start":839.535,"end":840.0,"confidence":0.9951172,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.15360790491104126},{"word":"comfortable","start":840.08,"end":840.48,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.08908224105834961},{"word":"just","start":840.48,"end":840.64,"confidence":0.9741211,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15697506070137024},{"word":"leaving","start":840.64,"end":840.96,"confidence":0.9970703,"punctuated_word":"leaving","sentiment":"neutral","sentiment_score":0.09138134121894836},{"word":"it","start":840.96,"end":841.04,"confidence":0.96240234,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07447300851345062},{"word":"as","start":841.04,"end":841.28,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1550435721874237},{"word":"is","start":841.28,"end":841.44,"confidence":0.9770508,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15585653483867645},{"word":"for","start":841.44,"end":841.6,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10689769685268402},{"word":"the","start":841.6,"end":841.68,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09618409723043442},{"word":"time","start":841.68,"end":841.92,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.10969218611717224},{"word":"being","start":841.92,"end":842.16,"confidence":0.9946289,"punctuated_word":"being.","sentiment":"neutral","sentiment_score":0.094476118683815},{"word":"is","start":842.16,"end":842.32,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.08622198551893234},{"word":"that","start":842.32,"end":842.56,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11513669043779372},{"word":"right","start":842.56,"end":843.06,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.08912636339664459},{"word":"yep","start":844.88,"end":845.28,"confidence":0.96240234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1463753581047058},{"word":"that's","start":845.28,"end":845.6,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.24070680141448977},{"word":"okay","start":845.6,"end":846.1,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.25801634788513184},{"word":"you've","start":846.48,"end":846.72,"confidence":0.9880371,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.1728168427944183},{"word":"also","start":846.72,"end":846.96,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.15261311829090118},{"word":"got","start":846.96,"end":847.2,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.17688050866127014},{"word":"a","start":847.2,"end":847.36,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1412557065486908},{"word":"thirty","start":847.36,"end":847.68,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.14674058556556702},{"word":"day","start":847.68,"end":847.92,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.14203757047653198},{"word":"waiting","start":847.92,"end":848.32,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.1514354646205902},{"word":"period","start":848.32,"end":848.64,"confidence":0.798584,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.12851491570472717},{"word":"so","start":848.64,"end":848.8,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1719312071800232},{"word":"it","start":848.8,"end":848.96,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1524680256843567},{"word":"just","start":848.96,"end":849.2,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11933381855487823},{"word":"means","start":849.2,"end":849.44,"confidence":0.99902344,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.09562180191278458},{"word":"you","start":849.44,"end":849.6,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1005154550075531},{"word":"need","start":849.6,"end":849.76,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.10646233707666396},{"word":"to","start":849.76,"end":849.92,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05561346933245659},{"word":"be","start":849.92,"end":850.0,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.005764953792095184},{"word":"off","start":850.0,"end":850.16,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.00998261570930481},{"word":"work","start":850.16,"end":850.4,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.009757548570632936},{"word":"for","start":850.4,"end":850.64,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.008508481085300446},{"word":"thirty","start":850.64,"end":850.88,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.0738554298877716},{"word":"days","start":850.88,"end":851.2,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.054693229496479034},{"word":"prior","start":851.2,"end":851.44,"confidence":0.9970703,"punctuated_word":"prior","sentiment":"neutral","sentiment_score":0.07208079099655151},{"word":"to","start":851.44,"end":851.6,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11881759762763976},{"word":"making","start":851.6,"end":851.92,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.1275244653224945},{"word":"a","start":851.92,"end":852.08,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1662699431180954},{"word":"claim","start":852.08,"end":852.48,"confidence":1.0,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.15217018127441406},{"word":"and","start":852.48,"end":852.64,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15865130722522736},{"word":"a","start":852.64,"end":852.8,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17346739768981934},{"word":"five","start":852.8,"end":853.04,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.1839460730552673},{"word":"year","start":853.04,"end":853.36,"confidence":0.9980469,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.19298270344734192},{"word":"benefit","start":853.36,"end":853.86,"confidence":0.9589844,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.17333635687828064},{"word":"so","start":853.92,"end":854.42,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1543595790863037},{"word":"you","start":854.445,"end":854.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1814836859703064},{"word":"just","start":854.685,"end":854.84503,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1581660360097885},{"word":"need","start":854.84503,"end":854.885,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.18139463663101196},{"word":"to","start":854.885,"end":854.925,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13014525175094604},{"word":"be","start":854.925,"end":855.165,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10156606137752532},{"word":"you","start":855.405,"end":855.485,"confidence":0.96240234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12458966672420502},{"word":"can","start":855.485,"end":855.72504,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1884841024875641},{"word":"be","start":855.72504,"end":855.805,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1420995593070984},{"word":"on","start":855.805,"end":855.965,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11827994138002396},{"word":"a","start":855.965,"end":856.045,"confidence":0.96875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14238734543323517},{"word":"claim","start":856.045,"end":856.28503,"confidence":0.99902344,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.14836806058883667},{"word":"for","start":856.28503,"end":856.525,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.095805786550045},{"word":"up","start":856.525,"end":856.685,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.09277144819498062},{"word":"to","start":856.685,"end":856.84503,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12463095784187316},{"word":"five","start":856.84503,"end":857.165,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.13796299695968628},{"word":"years","start":857.165,"end":857.565,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.1260794997215271},{"word":"in","start":857.565,"end":857.645,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14517225325107574},{"word":"the","start":857.645,"end":857.805,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13164615631103516},{"word":"event","start":857.805,"end":858.045,"confidence":0.99609375,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.13215607404708862},{"word":"of","start":858.045,"end":858.205,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09070779383182526},{"word":"an","start":858.205,"end":858.28503,"confidence":0.81347656,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07929813861846924},{"word":"income","start":858.28503,"end":858.685,"confidence":0.9658203,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.053622327744960785},{"word":"protection","start":858.685,"end":859.185,"confidence":0.99902344,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.04762465879321098},{"word":"claim","start":859.245,"end":859.745,"confidence":0.99853516,"punctuated_word":"claim.","sentiment":"neutral","sentiment_score":0.08345040678977966},{"word":"is","start":859.805,"end":860.045,"confidence":0.57910156,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.07065540552139282},{"word":"that","start":860.045,"end":860.28503,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06361949443817139},{"word":"yeah","start":861.325,"end":861.72504,"confidence":0.97314453,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.010959647595882416},{"word":"do","start":861.72504,"end":861.885,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.027522286400198936},{"word":"you","start":861.885,"end":862.045,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03585498780012131},{"word":"have","start":862.045,"end":862.28503,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.028695248067379},{"word":"any","start":862.28503,"end":862.525,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0277937576174736},{"word":"questions","start":862.525,"end":863.005,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.018509432673454285},{"word":"at","start":863.005,"end":863.165,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.009354272857308388},{"word":"all","start":863.165,"end":863.485,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.023192735388875008},{"word":"so","start":863.485,"end":863.645,"confidence":0.98828125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.012718042358756064},{"word":"far","start":863.645,"end":864.145,"confidence":0.9995117,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.010891697369515896},{"word":"no","start":866.045,"end":866.28503,"confidence":0.9711914,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16554713249206543},{"word":"that's","start":866.28503,"end":866.685,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.04982605576515198},{"word":"okay","start":866.685,"end":867.085,"confidence":0.9951172,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.01936391368508339},{"word":"all","start":867.085,"end":867.325,"confidence":0.98291016,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.28939515352249146},{"word":"good","start":867.325,"end":867.485,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.266986608505249},{"word":"do","start":867.485,"end":867.645,"confidence":0.9970703,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.13390810787677765},{"word":"you","start":867.645,"end":867.805,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17046864330768585},{"word":"have","start":867.805,"end":867.965,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.18666377663612368},{"word":"much","start":867.965,"end":868.205,"confidence":0.9448242,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.19311855733394623},{"word":"in","start":868.205,"end":868.28503,"confidence":0.9291992,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.20524077117443085},{"word":"the","start":868.28503,"end":868.365,"confidence":0.90478516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16481992602348328},{"word":"way","start":868.365,"end":868.525,"confidence":0.93359375,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.17378440499305725},{"word":"of","start":868.525,"end":868.605,"confidence":0.9326172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15180324018001556},{"word":"sick","start":868.605,"end":868.86,"confidence":0.8359375,"punctuated_word":"sick","sentiment":"neutral","sentiment_score":-0.1801884025335312},{"word":"leave","start":868.86,"end":869.26,"confidence":0.95703125,"punctuated_word":"leave,","sentiment":"neutral","sentiment_score":-0.206308513879776},{"word":"annual","start":869.26,"end":869.5,"confidence":0.9291992,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":-0.20533010363578796},{"word":"leave","start":869.5,"end":869.82,"confidence":0.99853516,"punctuated_word":"leave,","sentiment":"neutral","sentiment_score":-0.17882168292999268},{"word":"long","start":869.82,"end":870.06,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.2465043067932129},{"word":"service","start":870.06,"end":870.38,"confidence":0.99902344,"punctuated_word":"service","sentiment":"neutral","sentiment_score":-0.2444326877593994},{"word":"leave","start":870.38,"end":870.7,"confidence":0.9838867,"punctuated_word":"leave,","sentiment":"neutral","sentiment_score":-0.15401840209960938},{"word":"other","start":870.7,"end":870.86,"confidence":0.99316406,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.21319802105426788},{"word":"things","start":870.86,"end":871.1,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.18879334628582},{"word":"that","start":871.1,"end":871.18,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15928557515144348},{"word":"you","start":871.18,"end":871.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1976885199546814},{"word":"can","start":871.26,"end":871.42,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1737729161977768},{"word":"sort","start":871.42,"end":871.57996,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2956567704677582},{"word":"of","start":871.57996,"end":871.74,"confidence":0.9506836,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.22273510694503784},{"word":"fall","start":871.74,"end":871.89996,"confidence":1.0,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":-0.20125404000282288},{"word":"back","start":871.89996,"end":872.06,"confidence":0.9970703,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.21765398979187012},{"word":"on","start":872.06,"end":872.3,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.23624181747436523},{"word":"at","start":872.3,"end":872.38,"confidence":0.9658203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2972911596298218},{"word":"work","start":872.38,"end":872.62,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.23310276865959167},{"word":"as","start":872.62,"end":872.77997,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2114313691854477},{"word":"well","start":872.77997,"end":873.01996,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.23987826704978943},{"word":"if","start":873.01996,"end":873.18,"confidence":0.9316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.21722915768623352},{"word":"you're","start":873.18,"end":873.42,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.16834756731987},{"word":"unable","start":873.42,"end":873.89996,"confidence":0.9941406,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.1874190717935562},{"word":"to","start":873.89996,"end":873.98,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2128888964653015},{"word":"go","start":873.98,"end":874.14,"confidence":0.97802734,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.2089807093143463},{"word":"to","start":874.14,"end":874.22,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19152112305164337},{"word":"work","start":874.22,"end":874.45996,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.16146835684776306},{"word":"in","start":874.45996,"end":874.62,"confidence":0.94140625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.19728511571884155},{"word":"a","start":874.62,"end":874.7,"confidence":0.6323242,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21733462810516355},{"word":"shorter","start":874.7,"end":875.01996,"confidence":0.9970703,"punctuated_word":"shorter","sentiment":"neutral","sentiment_score":-0.20232534408569336},{"word":"term","start":875.01996,"end":875.51996,"confidence":0.9902344,"punctuated_word":"term?","sentiment":"neutral","sentiment_score":-0.12206722050905228},{"word":"long","start":879.26,"end":879.57996,"confidence":0.9838867,"punctuated_word":"Long","sentiment":"neutral","sentiment_score":-0.0049692178145051},{"word":"service","start":879.57996,"end":880.07996,"confidence":0.9970703,"punctuated_word":"service?","sentiment":"neutral","sentiment_score":-0.002899248618632555},{"word":"yeah","start":884.45996,"end":884.775,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04045512527227402},{"word":"yeah","start":885.335,"end":885.815,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09795255959033966},{"word":"beautiful","start":885.815,"end":886.315,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.42561811208724976},{"word":"so","start":886.775,"end":887.015,"confidence":0.9589844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.33148688077926636},{"word":"you're","start":887.015,"end":887.17505,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3678016662597656},{"word":"one","start":887.17505,"end":887.29504,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.3272154927253723},{"word":"of","start":887.29504,"end":887.41504,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4002803564071655},{"word":"those","start":887.41504,"end":887.655,"confidence":0.7915039,"punctuated_word":"those.","sentiment":"positive","sentiment_score":0.3570147156715393},{"word":"you're","start":887.655,"end":887.97504,"confidence":0.9980469,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.3966369032859802},{"word":"never","start":887.97504,"end":888.215,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":0.33325380086898804},{"word":"sick","start":888.215,"end":888.53503,"confidence":0.97924805,"punctuated_word":"sick.","sentiment":"positive","sentiment_score":0.33721452951431274},{"word":"you","start":888.53503,"end":888.85504,"confidence":1.0,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.36878639459609985},{"word":"go","start":888.85504,"end":889.015,"confidence":0.98828125,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3600751459598541},{"word":"to","start":889.015,"end":889.17505,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34422776103019714},{"word":"work","start":889.17505,"end":889.41504,"confidence":0.7585449,"punctuated_word":"work,","sentiment":"positive","sentiment_score":0.39188095927238464},{"word":"and","start":889.41504,"end":889.655,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.40666115283966064},{"word":"you","start":889.655,"end":889.97504,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.421193927526474},{"word":"bank","start":889.97504,"end":890.215,"confidence":0.9970703,"punctuated_word":"bank","sentiment":"positive","sentiment_score":0.43583282828330994},{"word":"it","start":890.215,"end":890.375,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.36457228660583496},{"word":"all","start":890.375,"end":890.53503,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4008674919605255},{"word":"up","start":890.53503,"end":891.03503,"confidence":0.9916992,"punctuated_word":"up.","sentiment":"positive","sentiment_score":0.354943186044693},{"word":"beautiful","start":894.61505,"end":895.11505,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5622732043266296},{"word":"well","start":895.255,"end":895.41504,"confidence":0.99902344,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.3897632956504822},{"word":"thank","start":895.41504,"end":895.575,"confidence":1.0,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.5846590995788574},{"word":"you","start":895.575,"end":895.815,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5653513669967651},{"word":"so","start":895.815,"end":895.895,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5186793804168701},{"word":"much","start":895.895,"end":896.135,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5990088582038879},{"word":"for","start":896.135,"end":896.29504,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5900081396102905},{"word":"clarifying","start":896.29504,"end":896.79504,"confidence":1.0,"punctuated_word":"clarifying","sentiment":"positive","sentiment_score":0.6167876124382019},{"word":"that","start":896.85504,"end":897.015,"confidence":0.9941406,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5720036029815674},{"word":"as","start":897.015,"end":897.255,"confidence":0.99902344,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.315535306930542},{"word":"i","start":897.255,"end":897.335,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23567964136600497},{"word":"said","start":897.335,"end":897.575,"confidence":0.9951172,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.21966102719306943},{"word":"i'll","start":897.575,"end":897.73505,"confidence":0.984375,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.24578134715557096},{"word":"send","start":897.73505,"end":897.895,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2377268671989441},{"word":"you","start":897.895,"end":898.05505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2385614812374115},{"word":"an","start":898.05505,"end":898.29504,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2184050679206848},{"word":"email","start":898.29504,"end":898.53503,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2432621717453003},{"word":"after","start":898.53503,"end":898.85504,"confidence":0.99902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.221737802028656},{"word":"the","start":898.85504,"end":898.935,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2558617889881134},{"word":"call","start":898.935,"end":899.17505,"confidence":0.9941406,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.2564243972301483},{"word":"just","start":899.17505,"end":899.41504,"confidence":0.90234375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3076596260070801},{"word":"clarifying","start":899.41504,"end":899.895,"confidence":1.0,"punctuated_word":"clarifying","sentiment":"neutral","sentiment_score":0.24767550826072693},{"word":"the","start":899.895,"end":900.18,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27486422657966614},{"word":"information","start":900.26,"end":900.66,"confidence":0.9970703,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.24363365769386292},{"word":"around","start":900.66,"end":900.89996,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.20775344967842105},{"word":"the","start":900.89996,"end":901.14,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2410096675157547},{"word":"insurance","start":901.14,"end":901.54,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.2229096293449402},{"word":"side","start":901.54,"end":901.7,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.24539634585380551},{"word":"of","start":901.7,"end":901.86,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27382588386535645},{"word":"things","start":901.86,"end":902.36,"confidence":0.8540039,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.2502318322658539},{"word":"and","start":902.42,"end":902.58,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.271699458360672},{"word":"you're","start":902.58,"end":902.82,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.25537005066871643},{"word":"welcome","start":902.82,"end":903.06,"confidence":1.0,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.4521769881248474},{"word":"to","start":903.06,"end":903.14,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3996658623218536},{"word":"come","start":903.14,"end":903.38,"confidence":1.0,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.3438829183578491},{"word":"back","start":903.38,"end":903.54,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.36546221375465393},{"word":"and","start":903.54,"end":903.7,"confidence":0.9863281,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35395050048828125},{"word":"let","start":903.7,"end":903.86,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.3668723702430725},{"word":"me","start":903.86,"end":904.02,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.3916109800338745},{"word":"know","start":904.02,"end":904.18,"confidence":1.0,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.3666546642780304},{"word":"if","start":904.18,"end":904.33997,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3351696729660034},{"word":"there","start":904.33997,"end":904.5,"confidence":0.99902344,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3426993191242218},{"word":"are","start":904.5,"end":904.74,"confidence":0.9980469,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3340083658695221},{"word":"any","start":904.74,"end":904.98,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.28771913051605225},{"word":"questions","start":904.98,"end":905.3,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.2854468822479248},{"word":"that","start":905.3,"end":905.54,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.256465882062912},{"word":"you","start":905.54,"end":905.62,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.204055055975914},{"word":"have","start":905.62,"end":905.77997,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2091168612241745},{"word":"or","start":905.77997,"end":906.02,"confidence":0.91748047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.263990581035614},{"word":"if","start":906.02,"end":906.1,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2719728946685791},{"word":"you","start":906.1,"end":906.26,"confidence":0.9506836,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26950907707214355},{"word":"and","start":906.26,"end":906.42,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2098167985677719},{"word":"your","start":906.42,"end":906.58,"confidence":0.984375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2316039353609085},{"word":"wife","start":906.58,"end":906.89996,"confidence":1.0,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.21457204222679135},{"word":"discover","start":906.89996,"end":907.39996,"confidence":0.9921875,"punctuated_word":"discover","sentiment":"neutral","sentiment_score":0.25504764914512634},{"word":"that","start":907.54,"end":907.7,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17731955647468567},{"word":"you","start":907.7,"end":907.94,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16239477694034576},{"word":"might","start":907.94,"end":908.1,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.17226333916187286},{"word":"wanna","start":908.1,"end":908.42,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1944481730461121},{"word":"review","start":908.42,"end":908.74,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.1449904441833496},{"word":"those","start":908.74,"end":908.98,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.14081233739852905},{"word":"levels","start":908.98,"end":909.38,"confidence":1.0,"punctuated_word":"levels","sentiment":"neutral","sentiment_score":0.08475356549024582},{"word":"of","start":909.38,"end":909.54,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14642198383808136},{"word":"cover","start":909.54,"end":910.02,"confidence":1.0,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.1212216317653656},{"word":"okay","start":910.02,"end":910.52,"confidence":0.9914551,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.13759389519691467},{"word":"excellent","start":912.33997,"end":912.83997,"confidence":0.99853516,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4490845203399658},{"word":"beautiful","start":913.06,"end":913.56,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.42207103967666626},{"word":"now","start":914.36505,"end":914.685,"confidence":0.94140625,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09498990327119829},{"word":"i","start":914.685,"end":914.84503,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004534602165222168},{"word":"do","start":914.84503,"end":915.005,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.018147356808185577},{"word":"have","start":915.005,"end":915.16504,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.027256116271018985},{"word":"to","start":915.16504,"end":915.24506,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006132066249847412},{"word":"let","start":915.24506,"end":915.48505,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.006580360233783722},{"word":"you","start":915.48505,"end":915.565,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02994731441140175},{"word":"know","start":915.565,"end":915.72504,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.017025403678417206},{"word":"there","start":915.72504,"end":915.885,"confidence":0.90234375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.007255326956510544},{"word":"are","start":915.885,"end":916.04504,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0070296525955200195},{"word":"other","start":916.04504,"end":916.28503,"confidence":0.9970703,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.012655604630708694},{"word":"types","start":916.28503,"end":916.525,"confidence":0.99902344,"punctuated_word":"types","sentiment":"neutral","sentiment_score":-0.019850540906190872},{"word":"of","start":916.525,"end":916.765,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.009434130042791368},{"word":"insurances","start":916.765,"end":917.265,"confidence":0.9904785,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.02621467038989067},{"word":"depending","start":917.405,"end":917.885,"confidence":0.9589844,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.02040025219321251},{"word":"on","start":917.885,"end":917.965,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.003882061690092087},{"word":"your","start":917.965,"end":918.465,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01133926957845688},{"word":"depending","start":918.84503,"end":919.24506,"confidence":0.9223633,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.014604851603507996},{"word":"on","start":919.24506,"end":919.405,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0196894109249115},{"word":"your","start":919.405,"end":919.72504,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03518812730908394},{"word":"circumstances","start":919.72504,"end":920.22504,"confidence":0.9460449,"punctuated_word":"circumstances,","sentiment":"neutral","sentiment_score":-0.0413292720913887},{"word":"sorry","start":920.36505,"end":920.60504,"confidence":0.9682617,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.05203571170568466},{"word":"that","start":920.60504,"end":920.685,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05130062624812126},{"word":"you","start":920.685,"end":921.005,"confidence":0.95532227,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.04335746169090271},{"word":"you","start":921.005,"end":921.16504,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06216099113225937},{"word":"know","start":921.16504,"end":921.325,"confidence":0.99560547,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.06794434040784836},{"word":"may","start":921.325,"end":921.565,"confidence":0.95947266,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.04445481672883034},{"word":"like","start":921.565,"end":921.80505,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.033078256994485855},{"word":"to","start":921.80505,"end":921.965,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.012818574905395508},{"word":"look","start":921.965,"end":922.125,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.01645776629447937},{"word":"at","start":922.125,"end":922.28503,"confidence":0.98828125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.033976949751377106},{"word":"in","start":922.28503,"end":922.445,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04946881905198097},{"word":"the","start":922.445,"end":922.60504,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02088140696287155},{"word":"future","start":922.60504,"end":923.10504,"confidence":0.99853516,"punctuated_word":"future.","sentiment":"neutral","sentiment_score":-0.05114109069108963},{"word":"you","start":923.565,"end":923.72504,"confidence":0.9448242,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.07610312849283218},{"word":"can","start":923.72504,"end":923.965,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.04122438654303551},{"word":"also","start":923.965,"end":924.28503,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.03514762967824936},{"word":"get","start":924.28503,"end":924.60504,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.039863571524620056},{"word":"trauma","start":924.60504,"end":925.085,"confidence":0.8979492,"punctuated_word":"trauma,","sentiment":"neutral","sentiment_score":-0.05395255237817764},{"word":"which","start":925.085,"end":925.405,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.020328421145677567},{"word":"pays","start":925.405,"end":925.645,"confidence":0.9980469,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":-0.027076587080955505},{"word":"out","start":925.645,"end":925.885,"confidence":0.96875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.004281077533960342},{"word":"a","start":925.885,"end":925.965,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005561823025345802},{"word":"lump","start":925.965,"end":926.28503,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.004083722829818726},{"word":"sum","start":926.28503,"end":926.525,"confidence":0.96435547,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.01835206151008606},{"word":"tax","start":926.525,"end":926.84503,"confidence":0.9707031,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.05097111314535141},{"word":"free","start":926.84503,"end":927.085,"confidence":0.97265625,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.0032841339707374573},{"word":"benefit","start":927.085,"end":927.48505,"confidence":0.9980469,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.005292773246765137},{"word":"if","start":927.48505,"end":927.645,"confidence":0.9448242,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02268562838435173},{"word":"you","start":927.645,"end":927.80505,"confidence":0.75512695,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.03863121569156647},{"word":"say","start":927.80505,"end":928.04504,"confidence":0.9980469,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.05255177617073059},{"word":"have","start":928.04504,"end":928.28503,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06754301488399506},{"word":"a","start":928.28503,"end":928.36505,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05520462989807129},{"word":"heart","start":928.36505,"end":928.60504,"confidence":0.99902344,"punctuated_word":"heart","sentiment":"neutral","sentiment_score":-0.03845703229308128},{"word":"attack","start":928.60504,"end":928.92505,"confidence":1.0,"punctuated_word":"attack","sentiment":"neutral","sentiment_score":-0.026208341121673584},{"word":"or","start":928.92505,"end":929.085,"confidence":0.9375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05882438272237778},{"word":"a","start":929.085,"end":929.31,"confidence":0.94189453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06238584220409393},{"word":"stroke","start":929.39,"end":929.71,"confidence":0.99902344,"punctuated_word":"stroke","sentiment":"neutral","sentiment_score":-0.03311377018690109},{"word":"or","start":929.71,"end":929.79,"confidence":0.63623047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07096005976200104},{"word":"certain","start":929.79,"end":930.29,"confidence":0.95166016,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":-0.0972217619419098},{"word":"neurological","start":930.39,"end":930.89,"confidence":0.9951172,"punctuated_word":"neurological","sentiment":"neutral","sentiment_score":-0.04420139268040657},{"word":"conditions","start":930.99,"end":931.49,"confidence":0.9682617,"punctuated_word":"conditions.","sentiment":"neutral","sentiment_score":-0.08662459254264832},{"word":"cancer's","start":932.27,"end":932.77,"confidence":0.70996094,"punctuated_word":"Cancer's","sentiment":"neutral","sentiment_score":-0.1278291791677475},{"word":"probably","start":932.83,"end":933.23,"confidence":0.9970703,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.15197747945785522},{"word":"a","start":933.23,"end":933.39,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1176007315516472},{"word":"big","start":933.39,"end":933.55,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.10373574495315552},{"word":"one","start":933.55,"end":934.05,"confidence":0.9863281,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.10450433939695358},{"word":"and","start":934.75,"end":934.99,"confidence":0.9003906,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.024352777749300003},{"word":"do","start":934.99,"end":935.31,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.023208871483802795},{"word":"you","start":935.31,"end":935.55,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02661076188087463},{"word":"have","start":935.55,"end":936.05,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02356555685400963},{"word":"children","start":936.11,"end":936.59,"confidence":0.99609375,"punctuated_word":"children?","sentiment":"neutral","sentiment_score":-0.026155544444918633},{"word":"i","start":936.59,"end":936.75,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.020516257733106613},{"word":"believe","start":936.75,"end":937.25,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":-0.014092065393924711},{"word":"you've","start":937.31,"end":937.47,"confidence":0.91430664,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.017470574006438255},{"word":"got","start":937.47,"end":937.79,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.016691962257027626},{"word":"a","start":937.79,"end":938.02997,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010974239557981493},{"word":"couple","start":938.02997,"end":938.35,"confidence":0.9980469,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.019958294928073883},{"word":"of","start":938.35,"end":938.51,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.023121383041143417},{"word":"kids","start":938.51,"end":939.01,"confidence":0.92993164,"punctuated_word":"kids.","sentiment":"neutral","sentiment_score":-0.021210014820098877},{"word":"five","start":942.75,"end":943.15,"confidence":0.9980469,"punctuated_word":"Five","sentiment":"neutral","sentiment_score":-0.010936131700873377},{"word":"children","start":943.15,"end":943.65,"confidence":0.8754883,"punctuated_word":"children.","sentiment":"neutral","sentiment_score":-0.007121843285858631},{"word":"wow","start":943.71,"end":944.11,"confidence":1.0,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":-0.00015952903777360916},{"word":"how","start":944.11,"end":944.35,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.009262878447771072},{"word":"old","start":944.35,"end":944.59,"confidence":0.99902344,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.00986563041806221},{"word":"are","start":944.59,"end":944.75,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.016940055415034294},{"word":"they","start":944.75,"end":945.25,"confidence":1.0,"punctuated_word":"they?","sentiment":"neutral","sentiment_score":-0.007031417451798916},{"word":"wow","start":948.88495,"end":949.38495,"confidence":0.9995117,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.002756711095571518},{"word":"yeah","start":950.565,"end":951.065,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0065652355551719666},{"word":"wow","start":956.64496,"end":956.96497,"confidence":0.9260254,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.026375697925686836},{"word":"they're","start":956.96497,"end":957.125,"confidence":1.0,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.014179086312651634},{"word":"all","start":957.125,"end":957.365,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.02122258022427559},{"word":"grown","start":957.365,"end":957.605,"confidence":0.9633789,"punctuated_word":"grown","sentiment":"neutral","sentiment_score":0.006208918988704681},{"word":"up","start":957.605,"end":958.105,"confidence":0.99902344,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.005616387352347374},{"word":"no","start":960.33997,"end":960.74,"confidence":0.9902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.015506219118833542},{"word":"fantastic","start":960.74,"end":961.24,"confidence":0.99853516,"punctuated_word":"Fantastic.","sentiment":"neutral","sentiment_score":0.15126749873161316},{"word":"did","start":962.25995,"end":962.5,"confidence":0.6123047,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.028068430721759796},{"word":"you","start":962.5,"end":962.74,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024184174835681915},{"word":"wanna","start":962.74,"end":962.98,"confidence":0.984375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.04085218533873558},{"word":"look","start":962.98,"end":963.22,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08784613013267517},{"word":"at","start":963.22,"end":963.37994,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0965581238269806},{"word":"any","start":963.37994,"end":963.69995,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03235805779695511},{"word":"additional","start":963.69995,"end":964.1,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.012272991240024568},{"word":"kind","start":964.1,"end":964.33997,"confidence":0.9760742,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0021846964955329895},{"word":"of","start":964.33997,"end":964.42,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023024093359708783},{"word":"insurances","start":964.42,"end":964.92,"confidence":0.99853516,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.0031263958662748337},{"word":"outside","start":965.06,"end":965.45996,"confidence":0.9970703,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.01957939565181732},{"word":"of","start":965.45996,"end":965.62,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07018841803073883},{"word":"what","start":965.62,"end":965.77997,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05694757401943207},{"word":"you've","start":965.77997,"end":966.01996,"confidence":0.9975586,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.044784631580114365},{"word":"got","start":966.01996,"end":966.25995,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05718669295310974},{"word":"to","start":966.25995,"end":966.57996,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07368334382772446},{"word":"cover","start":966.57996,"end":966.89996,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.0513022318482399},{"word":"you","start":966.89996,"end":967.13995,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05220511555671692},{"word":"for","start":967.13995,"end":967.45996,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07333256304264069},{"word":"any","start":967.45996,"end":967.77997,"confidence":0.88720703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07928070425987244},{"word":"gaps","start":967.77997,"end":968.1,"confidence":1.0,"punctuated_word":"gaps","sentiment":"neutral","sentiment_score":0.008274272084236145},{"word":"in","start":968.1,"end":968.25995,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.023635022342205048},{"word":"your","start":968.25995,"end":968.5,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03957805037498474},{"word":"risk","start":968.5,"end":968.81995,"confidence":0.7980957,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":0.041075825691223145},{"word":"or","start":968.81995,"end":969.06,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07449445128440857},{"word":"you're","start":969.06,"end":969.22,"confidence":0.9951172,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05108111724257469},{"word":"happy","start":969.22,"end":969.62,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.017421193420886993},{"word":"just","start":969.62,"end":969.86,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09527001529932022},{"word":"with","start":969.86,"end":969.93994,"confidence":0.9277344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05549531430006027},{"word":"the","start":969.93994,"end":970.33997,"confidence":0.93115234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0907600000500679},{"word":"the","start":970.33997,"end":970.5,"confidence":0.9111328,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07918304204940796},{"word":"insurances","start":970.5,"end":971.0,"confidence":0.99902344,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.054518844932317734},{"word":"you've","start":971.06,"end":971.385,"confidence":0.9655762,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04839690774679184},{"word":"that","start":971.385,"end":971.545,"confidence":0.64941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03927651047706604},{"word":"we've","start":971.545,"end":971.78503,"confidence":0.9362793,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.035255931317806244},{"word":"gone","start":971.78503,"end":971.865,"confidence":0.99609375,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.021643809974193573},{"word":"through","start":971.865,"end":972.105,"confidence":0.6567383,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.02300781756639481},{"word":"that","start":972.105,"end":972.34503,"confidence":0.96240234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03118019551038742},{"word":"you","start":972.34503,"end":972.505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009902406483888626},{"word":"currently","start":972.505,"end":972.905,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.02418370544910431},{"word":"have","start":972.905,"end":973.405,"confidence":0.9724121,"punctuated_word":"have?","sentiment":"neutral","sentiment_score":-0.0025220122188329697},{"word":"yep","start":976.585,"end":976.905,"confidence":0.8786621,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.004662893246859312},{"word":"that's","start":976.905,"end":977.22504,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.02345217391848564},{"word":"okay","start":977.22504,"end":977.705,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.04299532622098923},{"word":"not","start":977.705,"end":977.865,"confidence":1.0,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.11667874455451964},{"word":"a","start":977.865,"end":978.025,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.047787994146347046},{"word":"problem","start":978.025,"end":978.34503,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.0935557335615158},{"word":"at","start":978.34503,"end":978.585,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.025413021445274353},{"word":"all","start":978.585,"end":978.905,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.13192930817604065},{"word":"fantastic","start":978.905,"end":979.405,"confidence":0.9975586,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.35503190755844116},{"word":"we've","start":980.425,"end":980.66504,"confidence":0.7963867,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.07692938297986984},{"word":"kinda","start":980.66504,"end":980.985,"confidence":0.9550781,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.1005278080701828},{"word":"gone","start":980.985,"end":981.22504,"confidence":0.99316406,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.0870630070567131},{"word":"through","start":981.22504,"end":981.385,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08619841188192368},{"word":"most","start":981.385,"end":981.705,"confidence":0.9707031,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.20496149361133575},{"word":"things","start":981.705,"end":981.945,"confidence":0.9970703,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.010948372073471546},{"word":"the","start":981.945,"end":982.025,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.24980632960796356},{"word":"only","start":982.025,"end":982.265,"confidence":0.99902344,"punctuated_word":"only","sentiment":"negative","sentiment_score":-0.3562985360622406},{"word":"other","start":982.265,"end":982.425,"confidence":0.9819336,"punctuated_word":"other","sentiment":"negative","sentiment_score":-0.3650901019573212},{"word":"things","start":982.425,"end":982.745,"confidence":0.9902344,"punctuated_word":"things","sentiment":"negative","sentiment_score":-0.3600827753543854},{"word":"attached","start":982.745,"end":983.145,"confidence":0.984375,"punctuated_word":"attached","sentiment":"negative","sentiment_score":-0.3641948401927948},{"word":"to","start":983.145,"end":983.305,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3091683089733124},{"word":"that","start":983.305,"end":983.805,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.40106701850891113},{"word":"email","start":984.025,"end":984.525,"confidence":0.9790039,"punctuated_word":"email","sentiment":"negative","sentiment_score":-0.3551830053329468},{"word":"are","start":984.985,"end":985.22504,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.32389315962791443},{"word":"the","start":985.22504,"end":985.72504,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.30973172187805176},{"word":"sorry","start":986.63,"end":987.02997,"confidence":0.80737305,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.30583733320236206},{"word":"the","start":987.02997,"end":987.52997,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.23762387037277224},{"word":"certificates","start":987.58997,"end":988.07,"confidence":0.88964844,"punctuated_word":"certificates","sentiment":"neutral","sentiment_score":-0.26616108417510986},{"word":"of","start":988.07,"end":988.23,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1691122204065323},{"word":"currency","start":988.23,"end":988.63,"confidence":0.73791504,"punctuated_word":"currency,","sentiment":"neutral","sentiment_score":-0.2191143035888672},{"word":"which","start":988.63,"end":988.87,"confidence":0.98095703,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.14605417847633362},{"word":"outline","start":988.87,"end":989.26996,"confidence":0.7192383,"punctuated_word":"outline","sentiment":"neutral","sentiment_score":-0.05659078061580658},{"word":"a","start":989.26996,"end":989.35,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06140717118978501},{"word":"little","start":989.35,"end":989.58997,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.07494796812534332},{"word":"bit","start":989.58997,"end":989.75,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08878275007009506},{"word":"more","start":989.75,"end":989.99,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.04945086687803269},{"word":"around","start":989.99,"end":990.49,"confidence":0.9980469,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.05691969394683838},{"word":"the","start":990.63,"end":990.79,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09636126458644868},{"word":"types","start":990.79,"end":991.11,"confidence":0.9819336,"punctuated_word":"types","sentiment":"neutral","sentiment_score":-0.10152292251586914},{"word":"of","start":991.11,"end":991.26996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1032145768404007},{"word":"cover","start":991.26996,"end":991.51,"confidence":0.9716797,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.10406264662742616},{"word":"that","start":991.51,"end":991.75,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05661832541227341},{"word":"you","start":991.75,"end":991.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08718083798885345},{"word":"have","start":991.91,"end":992.07,"confidence":0.9758301,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.07607688754796982},{"word":"the","start":992.07,"end":992.23,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06527797877788544},{"word":"levels","start":992.23,"end":992.63,"confidence":1.0,"punctuated_word":"levels","sentiment":"neutral","sentiment_score":-0.049301862716674805},{"word":"of","start":992.63,"end":992.70996,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06734462827444077},{"word":"cover","start":992.70996,"end":992.95,"confidence":0.99316406,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.07313232123851776},{"word":"that","start":992.95,"end":993.11,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.017759189009666443},{"word":"you","start":993.11,"end":993.26996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03595583140850067},{"word":"have","start":993.26996,"end":993.51,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04625847190618515},{"word":"with","start":993.51,"end":993.75,"confidence":0.99121094,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.052811458706855774},{"word":"zurich","start":993.75,"end":994.07,"confidence":0.9707031,"punctuated_word":"Zurich","sentiment":"neutral","sentiment_score":-0.05210131034255028},{"word":"there","start":994.07,"end":994.31,"confidence":0.99316406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.005225736647844315},{"word":"as","start":994.31,"end":994.47,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0013038888573646543},{"word":"well","start":994.47,"end":994.97,"confidence":0.99365234,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.04678833484649658},{"word":"these","start":995.43,"end":995.91,"confidence":0.94921875,"punctuated_word":"These","sentiment":"neutral","sentiment_score":-0.09205124527215958},{"word":"do","start":995.91,"end":996.14996,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.012214168906211851},{"word":"go","start":996.14996,"end":996.39,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.007546290755271912},{"word":"through","start":996.39,"end":996.63,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.022946614772081375},{"word":"a","start":996.63,"end":996.70996,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05024504289031029},{"word":"renewal","start":996.70996,"end":997.20996,"confidence":0.9970703,"punctuated_word":"renewal","sentiment":"neutral","sentiment_score":-0.06439177691936493},{"word":"every","start":997.26996,"end":997.51,"confidence":0.9970703,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.0243166983127594},{"word":"year","start":997.51,"end":997.75,"confidence":0.9951172,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.045022934675216675},{"word":"they","start":997.75,"end":997.91,"confidence":0.9970703,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.10001862794160844},{"word":"do","start":997.91,"end":998.14996,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08106892555952072},{"word":"get","start":998.14996,"end":998.31,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.04631847143173218},{"word":"more","start":998.31,"end":998.565,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.08672195672988892},{"word":"expensive","start":998.725,"end":999.045,"confidence":0.9790039,"punctuated_word":"expensive","sentiment":"neutral","sentiment_score":-0.1191934198141098},{"word":"over","start":999.045,"end":999.365,"confidence":0.9526367,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.009473338723182678},{"word":"time","start":999.365,"end":999.605,"confidence":0.97924805,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.0813877135515213},{"word":"but","start":999.605,"end":999.765,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.015893176198005676},{"word":"they","start":999.765,"end":999.925,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.03517413139343262},{"word":"do","start":999.925,"end":1000.085,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.109919011592865},{"word":"also","start":1000.085,"end":1000.485,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.02785411477088928},{"word":"grow","start":1000.485,"end":1000.725,"confidence":0.98828125,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.08984212577342987},{"word":"in","start":1000.725,"end":1000.965,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07286636531352997},{"word":"value","start":1000.965,"end":1001.365,"confidence":0.8371582,"punctuated_word":"value.","sentiment":"neutral","sentiment_score":0.003725830465555191},{"word":"so","start":1001.365,"end":1001.605,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06063263118267059},{"word":"they","start":1001.605,"end":1001.765,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07036488503217697},{"word":"are","start":1001.765,"end":1002.085,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08377011865377426},{"word":"indexed","start":1002.085,"end":1002.485,"confidence":0.96875,"punctuated_word":"indexed","sentiment":"neutral","sentiment_score":0.07566651701927185},{"word":"along","start":1002.485,"end":1002.805,"confidence":0.9892578,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.05556166172027588},{"word":"with","start":1002.805,"end":1002.965,"confidence":0.9536133,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.057189032435417175},{"word":"cpis","start":1002.965,"end":1003.465,"confidence":0.8499349,"punctuated_word":"CPIs.","sentiment":"neutral","sentiment_score":0.0017370972782373428},{"word":"so","start":1003.605,"end":1004.105,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03652998059988022},{"word":"the","start":1004.325,"end":1004.485,"confidence":0.83203125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05836077034473419},{"word":"level","start":1004.485,"end":1004.725,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.05642463266849518},{"word":"of","start":1004.725,"end":1004.805,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03702552616596222},{"word":"cover","start":1004.805,"end":1005.125,"confidence":0.98535156,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.033258214592933655},{"word":"you","start":1005.125,"end":1005.365,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0878671184182167},{"word":"have","start":1005.365,"end":1005.685,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.049409568309783936},{"word":"does","start":1005.685,"end":1006.005,"confidence":0.9970703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.02269749343395233},{"word":"increase","start":1006.005,"end":1006.485,"confidence":0.9970703,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.07451146095991135},{"word":"over","start":1006.485,"end":1006.805,"confidence":0.97265625,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.126608207821846},{"word":"time","start":1006.805,"end":1007.305,"confidence":0.9836426,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.002512451261281967},{"word":"but","start":1007.765,"end":1007.925,"confidence":0.9482422,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.019974760711193085},{"word":"the","start":1007.925,"end":1008.005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07943372428417206},{"word":"premiums","start":1008.005,"end":1008.505,"confidence":0.99316406,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":-0.09953951835632324},{"word":"do","start":1008.565,"end":1008.725,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.01916408538818359},{"word":"also","start":1008.725,"end":1009.045,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.02523578703403473},{"word":"increase","start":1009.045,"end":1009.365,"confidence":0.9719238,"punctuated_word":"increase.","sentiment":"neutral","sentiment_score":-0.0073080286383628845},{"word":"so","start":1009.365,"end":1009.525,"confidence":0.9370117,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09434758126735689},{"word":"we","start":1009.525,"end":1009.605,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10126406699419022},{"word":"just","start":1009.605,"end":1009.84503,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12537284195423126},{"word":"wanna","start":1009.84503,"end":1010.165,"confidence":0.9921875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.17451776564121246},{"word":"review","start":1010.165,"end":1010.485,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.133507639169693},{"word":"those","start":1010.485,"end":1010.885,"confidence":0.92089844,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1087283417582512},{"word":"with","start":1010.885,"end":1011.125,"confidence":0.7841797,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12917278707027435},{"word":"with","start":1011.125,"end":1011.285,"confidence":0.7207031,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13724344968795776},{"word":"you","start":1011.285,"end":1011.445,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20426775515079496},{"word":"on","start":1011.445,"end":1011.525,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.21634118258953097},{"word":"a","start":1011.525,"end":1011.685,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2193089872598648},{"word":"regular","start":1011.685,"end":1012.085,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.23142485320568085},{"word":"basis","start":1012.085,"end":1012.565,"confidence":0.9230957,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.16866908967494965},{"word":"and","start":1012.565,"end":1012.805,"confidence":0.984375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1336398422718048},{"word":"if","start":1012.805,"end":1012.965,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1053171381354332},{"word":"i","start":1012.965,"end":1013.125,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11092665791511536},{"word":"kinda","start":1013.125,"end":1013.525,"confidence":0.9707031,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.12792819738388062},{"word":"go","start":1013.525,"end":1013.685,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1006561890244484},{"word":"back","start":1013.685,"end":1013.84503,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.061598651111125946},{"word":"and","start":1013.84503,"end":1014.24,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03881476819515228},{"word":"find","start":1014.24,"end":1014.56,"confidence":0.9980469,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.0642627701163292},{"word":"us","start":1014.56,"end":1014.72,"confidence":0.7988281,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.055733151733875275},{"word":"anything","start":1014.72,"end":1015.12,"confidence":0.9741211,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.12116482108831406},{"word":"that","start":1015.12,"end":1015.27997,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10108591616153716},{"word":"kinda","start":1015.27997,"end":1015.6,"confidence":0.71777344,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.038561008870601654},{"word":"flags","start":1015.6,"end":1015.92,"confidence":0.9819336,"punctuated_word":"flags","sentiment":"neutral","sentiment_score":0.03444913402199745},{"word":"the","start":1015.92,"end":1016.16,"confidence":0.39404297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08625395596027374},{"word":"need","start":1016.16,"end":1016.64,"confidence":0.9526367,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.059945642948150635},{"word":"to","start":1016.64,"end":1016.72,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0663403645157814},{"word":"bring","start":1016.72,"end":1017.04,"confidence":0.9980469,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.012096256017684937},{"word":"forward","start":1017.04,"end":1017.36,"confidence":0.9970703,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.12910541892051697},{"word":"to","start":1017.36,"end":1017.52,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10051298886537552},{"word":"you","start":1017.52,"end":1017.68,"confidence":0.9975586,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.08420028537511826},{"word":"i'll","start":1017.68,"end":1017.92,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12244158238172533},{"word":"make","start":1017.92,"end":1018.08,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1001308411359787},{"word":"sure","start":1018.08,"end":1018.24,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1289968639612198},{"word":"we","start":1018.24,"end":1018.39996,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11042677611112596},{"word":"come","start":1018.39996,"end":1018.56,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.055082812905311584},{"word":"back","start":1018.56,"end":1018.8,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.08866463601589203},{"word":"and","start":1018.8,"end":1018.95996,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07947049289941788},{"word":"have","start":1018.95996,"end":1019.12,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09409219026565552},{"word":"that","start":1019.12,"end":1019.36,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12210455536842346},{"word":"conversation","start":1019.36,"end":1019.86,"confidence":1.0,"punctuated_word":"conversation.","sentiment":"neutral","sentiment_score":-0.0013207793235778809},{"word":"okay","start":1020.32,"end":1020.82,"confidence":0.88623047,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1230679526925087},{"word":"excellent","start":1022.56,"end":1023.06,"confidence":0.9890137,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6859382390975952},{"word":"we've","start":1023.27997,"end":1023.52,"confidence":0.85961914,"punctuated_word":"We've","sentiment":"positive","sentiment_score":0.4750051200389862},{"word":"also","start":1023.52,"end":1023.76,"confidence":1.0,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.4287575483322144},{"word":"got","start":1023.76,"end":1024.0,"confidence":0.99902344,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4803687632083893},{"word":"the","start":1024.0,"end":1024.5,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4892750680446625},{"word":"the","start":1024.72,"end":1024.88,"confidence":0.8510742,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3697717487812042},{"word":"financial","start":1024.88,"end":1025.36,"confidence":0.9838867,"punctuated_word":"financial","sentiment":"positive","sentiment_score":0.37706995010375977},{"word":"services","start":1025.36,"end":1025.86,"confidence":0.9863281,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.22430983185768127},{"word":"guide","start":1025.92,"end":1026.08,"confidence":0.96533203,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.30509719252586365},{"word":"attached","start":1026.08,"end":1026.4,"confidence":0.98828125,"punctuated_word":"attached","sentiment":"positive","sentiment_score":0.38065046072006226},{"word":"with","start":1026.4,"end":1026.64,"confidence":0.9633789,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.38030731678009033},{"word":"outline","start":1026.64,"end":1027.04,"confidence":0.58414716,"punctuated_word":"Outline.","sentiment":"neutral","sentiment_score":0.3208164870738983},{"word":"everything","start":1027.04,"end":1027.44,"confidence":0.9589844,"punctuated_word":"Everything","sentiment":"positive","sentiment_score":0.5066384673118591},{"word":"about","start":1027.44,"end":1027.76,"confidence":0.99902344,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.4652453362941742},{"word":"who","start":1027.76,"end":1028.0,"confidence":0.99902344,"punctuated_word":"who","sentiment":"positive","sentiment_score":0.3704957365989685},{"word":"we","start":1028.0,"end":1028.08,"confidence":0.9951172,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.39406639337539673},{"word":"are","start":1028.08,"end":1028.24,"confidence":0.9980469,"punctuated_word":"are,","sentiment":"positive","sentiment_score":0.41298532485961914},{"word":"what","start":1028.24,"end":1028.505,"confidence":0.9980469,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4856327176094055},{"word":"we","start":1028.505,"end":1028.585,"confidence":0.99609375,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3806982934474945},{"word":"do","start":1028.585,"end":1028.825,"confidence":0.9995117,"punctuated_word":"do,","sentiment":"positive","sentiment_score":0.3686650395393371},{"word":"how","start":1028.825,"end":1028.985,"confidence":0.9970703,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.4769417345523834},{"word":"we","start":1028.985,"end":1029.225,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3964747190475464},{"word":"do","start":1029.225,"end":1029.465,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.42000049352645874},{"word":"it","start":1029.465,"end":1029.625,"confidence":0.5109863,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.4554097354412079},{"word":"has","start":1029.625,"end":1029.785,"confidence":0.97509766,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5026965737342834},{"word":"a","start":1029.785,"end":1029.865,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5128275156021118},{"word":"lovely","start":1029.865,"end":1030.265,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.5535494089126587},{"word":"glossy","start":1030.265,"end":1030.665,"confidence":0.6538086,"punctuated_word":"glossy","sentiment":"positive","sentiment_score":0.5947282910346985},{"word":"photo","start":1030.665,"end":1031.0651,"confidence":1.0,"punctuated_word":"photo","sentiment":"positive","sentiment_score":0.5111883878707886},{"word":"of","start":1031.0651,"end":1031.225,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4233874976634979},{"word":"me","start":1031.225,"end":1031.465,"confidence":0.99902344,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.4507668018341065},{"word":"in","start":1031.465,"end":1031.545,"confidence":0.9941406,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5017246603965759},{"word":"there","start":1031.545,"end":1032.045,"confidence":0.8190918,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.4898338317871094},{"word":"and","start":1032.185,"end":1032.345,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3869626820087433},{"word":"all","start":1032.345,"end":1032.585,"confidence":0.99902344,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3818630874156952},{"word":"of","start":1032.585,"end":1032.665,"confidence":0.9970703,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3758663237094879},{"word":"my","start":1032.665,"end":1032.985,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.341665655374527},{"word":"licensing","start":1032.985,"end":1033.485,"confidence":0.9970703,"punctuated_word":"licensing","sentiment":"positive","sentiment_score":0.3357499837875366},{"word":"information","start":1033.545,"end":1034.045,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.27746114134788513},{"word":"as","start":1034.105,"end":1034.345,"confidence":0.99316406,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.34497782588005066},{"word":"a","start":1034.345,"end":1034.505,"confidence":0.64208984,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3700008392333984},{"word":"licensed","start":1034.505,"end":1034.985,"confidence":0.9658203,"punctuated_word":"licensed","sentiment":"neutral","sentiment_score":0.317642480134964},{"word":"adviser","start":1034.985,"end":1035.485,"confidence":0.95947266,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.3187488615512848},{"word":"for","start":1035.545,"end":1035.705,"confidence":0.9951172,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3966963291168213},{"word":"you","start":1035.705,"end":1035.865,"confidence":0.9941406,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3843916058540344},{"word":"as","start":1035.865,"end":1036.025,"confidence":0.9951172,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.410722017288208},{"word":"well","start":1036.025,"end":1036.505,"confidence":0.99560547,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3491857945919037},{"word":"okay","start":1036.505,"end":1037.005,"confidence":0.96191406,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.17895710468292236},{"word":"we","start":1038.825,"end":1039.0651,"confidence":0.96972656,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.16726407408714294},{"word":"also","start":1039.0651,"end":1039.465,"confidence":0.9819336,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.15539413690567017},{"word":"do","start":1039.465,"end":1039.705,"confidence":0.98535156,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1770968735218048},{"word":"have","start":1039.705,"end":1039.865,"confidence":0.9892578,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2018991857767105},{"word":"attached","start":1039.865,"end":1040.265,"confidence":0.96777344,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.16717033088207245},{"word":"the","start":1040.265,"end":1040.505,"confidence":0.6040039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16304729878902435},{"word":"ongoing","start":1040.505,"end":1040.985,"confidence":0.99316406,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.21455171704292297},{"word":"service","start":1040.985,"end":1041.485,"confidence":0.97509766,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.12333638221025468},{"word":"agreement","start":1041.76,"end":1042.26,"confidence":0.91308594,"punctuated_word":"agreement.","sentiment":"neutral","sentiment_score":0.1593191623687744},{"word":"so","start":1042.5599,"end":1042.64,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20275269448757172},{"word":"to","start":1042.64,"end":1042.88,"confidence":0.9453125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19567462801933289},{"word":"keep","start":1042.88,"end":1043.12,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2395126223564148},{"word":"us","start":1043.12,"end":1043.44,"confidence":0.9970703,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.25585365295410156},{"word":"as","start":1043.44,"end":1043.6,"confidence":0.9667969,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23066502809524536},{"word":"your","start":1043.6,"end":1043.76,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24765291810035703},{"word":"servicing","start":1043.76,"end":1044.24,"confidence":0.99902344,"punctuated_word":"servicing","sentiment":"neutral","sentiment_score":0.2657819390296936},{"word":"adviser","start":1044.24,"end":1044.64,"confidence":0.90722656,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.2076646089553833},{"word":"and","start":1044.64,"end":1044.88,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2243405133485794},{"word":"keep","start":1044.88,"end":1045.0399,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2481027394533157},{"word":"us","start":1045.0399,"end":1045.28,"confidence":0.99902344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.2516787052154541},{"word":"looking","start":1045.28,"end":1045.52,"confidence":0.9970703,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.26718518137931824},{"word":"after","start":1045.52,"end":1045.84,"confidence":0.92089844,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.2712858319282532},{"word":"your","start":1045.84,"end":1046.08,"confidence":0.9790039,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28980961441993713},{"word":"suit","start":1046.08,"end":1046.24,"confidence":0.5180664,"punctuated_word":"suit","sentiment":"neutral","sentiment_score":0.2645661532878876},{"word":"for","start":1046.24,"end":1046.4,"confidence":0.90722656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2306283414363861},{"word":"the","start":1046.4,"end":1046.5599,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2317068427801132},{"word":"insurances","start":1046.5599,"end":1047.0599,"confidence":0.9785156,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.23820760846138},{"word":"and","start":1047.12,"end":1047.36,"confidence":0.7441406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25293436646461487},{"word":"helping","start":1047.36,"end":1047.6799,"confidence":0.99902344,"punctuated_word":"helping","sentiment":"neutral","sentiment_score":0.3272714614868164},{"word":"you","start":1047.6799,"end":1048.1799,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3122422695159912},{"word":"provide","start":1048.32,"end":1048.7999,"confidence":0.97314453,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.3169265389442444},{"word":"advice","start":1048.7999,"end":1049.2,"confidence":0.9863281,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.31462740898132324},{"word":"long","start":1049.2,"end":1049.44,"confidence":0.9921875,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.3226313889026642},{"word":"term","start":1049.44,"end":1049.6799,"confidence":0.9892578,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.3623550236225128},{"word":"to","start":1049.6799,"end":1049.76,"confidence":0.98828125,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35375669598579407},{"word":"meet","start":1049.76,"end":1050.0,"confidence":0.99121094,"punctuated_word":"meet","sentiment":"positive","sentiment_score":0.3831064701080322},{"word":"your","start":1050.0,"end":1050.24,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34147489070892334},{"word":"goals","start":1050.24,"end":1050.74,"confidence":0.9506836,"punctuated_word":"goals,","sentiment":"neutral","sentiment_score":0.21686138212680817},{"word":"we","start":1051.0399,"end":1051.12,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11840803921222688},{"word":"do","start":1051.12,"end":1051.36,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06512513756752014},{"word":"charge","start":1051.36,"end":1051.6,"confidence":0.99902344,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":0.12875205278396606},{"word":"an","start":1051.6,"end":1051.76,"confidence":0.99316406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08390998840332031},{"word":"ongoing","start":1051.76,"end":1052.24,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.10142681002616882},{"word":"service","start":1052.24,"end":1052.64,"confidence":0.99609375,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.0416838563978672},{"word":"fee","start":1052.64,"end":1052.88,"confidence":0.9970703,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.09716477990150452},{"word":"for","start":1052.88,"end":1053.0399,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08210891485214233},{"word":"doing","start":1053.0399,"end":1053.44,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.09829181432724},{"word":"so","start":1053.44,"end":1053.915,"confidence":0.99316406,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.12087652087211607},{"word":"our","start":1054.3151,"end":1054.4751,"confidence":0.9536133,"punctuated_word":"Our","sentiment":"neutral","sentiment_score":0.06272386014461517},{"word":"ongoing","start":1054.4751,"end":1054.9751,"confidence":0.7841797,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.10415809601545334},{"word":"service","start":1055.355,"end":1055.755,"confidence":0.9873047,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.05833268538117409},{"word":"fee","start":1055.755,"end":1055.915,"confidence":0.99609375,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.09332843124866486},{"word":"is","start":1055.915,"end":1056.0751,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08631031215190887},{"word":"now","start":1056.0751,"end":1056.235,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.10974282026290894},{"word":"a","start":1056.235,"end":1056.395,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10291856527328493},{"word":"tiered","start":1056.395,"end":1056.795,"confidence":0.9975586,"punctuated_word":"tiered","sentiment":"neutral","sentiment_score":0.06917448341846466},{"word":"structure","start":1056.795,"end":1057.275,"confidence":0.8310547,"punctuated_word":"structure,","sentiment":"neutral","sentiment_score":0.09995950758457184},{"word":"so","start":1057.275,"end":1057.435,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11740007996559144},{"word":"it","start":1057.435,"end":1057.675,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09304949641227722},{"word":"starts","start":1057.675,"end":1057.995,"confidence":0.98291016,"punctuated_word":"starts","sentiment":"neutral","sentiment_score":0.101792111992836},{"word":"at","start":1057.995,"end":1058.155,"confidence":0.9370117,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08304634690284729},{"word":"1.65%","start":1058.155,"end":1059.515,"confidence":0.9908203,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.1089218258857727},{"word":"per","start":1059.515,"end":1059.755,"confidence":0.9941406,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.09852202236652374},{"word":"annum","start":1059.755,"end":1060.235,"confidence":0.9975586,"punctuated_word":"annum","sentiment":"neutral","sentiment_score":0.10011272132396698},{"word":"as","start":1060.235,"end":1060.395,"confidence":0.9536133,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1439974457025528},{"word":"it","start":1060.395,"end":1060.555,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11520527303218842},{"word":"has","start":1060.555,"end":1061.055,"confidence":0.9746094,"punctuated_word":"has.","sentiment":"neutral","sentiment_score":0.1010703593492508},{"word":"and","start":1061.1951,"end":1061.355,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09466354548931122},{"word":"once","start":1061.355,"end":1061.675,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.10296514630317688},{"word":"your","start":1061.675,"end":1061.8351,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09646591544151306},{"word":"balance","start":1061.8351,"end":1062.3151,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.06713329255580902},{"word":"sets","start":1062.3151,"end":1062.635,"confidence":0.6826172,"punctuated_word":"sets","sentiment":"neutral","sentiment_score":0.10224074870347977},{"word":"over","start":1062.635,"end":1062.875,"confidence":0.99121094,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.11291138827800752},{"word":"200,000","start":1062.875,"end":1063.995,"confidence":0.98779297,"punctuated_word":"200,000,","sentiment":"neutral","sentiment_score":0.11828392744064332},{"word":"then","start":1063.995,"end":1064.155,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13497287034988403},{"word":"you","start":1064.155,"end":1064.3151,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11142124235630035},{"word":"drop","start":1064.3151,"end":1064.555,"confidence":0.9902344,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.10845727473497392},{"word":"into","start":1064.555,"end":1064.875,"confidence":0.97802734,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0942489057779312},{"word":"the","start":1064.875,"end":1065.035,"confidence":0.9536133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13428455591201782},{"word":"lower","start":1065.035,"end":1065.435,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.08782144635915756},{"word":"tier","start":1065.435,"end":1065.675,"confidence":0.99609375,"punctuated_word":"tier","sentiment":"neutral","sentiment_score":0.0869239941239357},{"word":"and","start":1065.675,"end":1065.915,"confidence":0.59375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13022714853286743},{"word":"the","start":1065.915,"end":1066.0751,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13757245242595673},{"word":"fee","start":1066.0751,"end":1066.395,"confidence":0.9902344,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.07145928591489792},{"word":"drops","start":1066.395,"end":1066.635,"confidence":0.99902344,"punctuated_word":"drops","sentiment":"neutral","sentiment_score":0.08708921819925308},{"word":"down","start":1066.635,"end":1067.135,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.12020254135131836},{"word":"to","start":1067.4,"end":1067.64,"confidence":0.9560547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13159310817718506},{"word":"1.375","start":1067.64,"end":1069.0801,"confidence":0.9862793,"punctuated_word":"1.375.","sentiment":"neutral","sentiment_score":0.110221229493618},{"word":"so","start":1069.0801,"end":1069.2001,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1629572957754135},{"word":"it","start":1069.2001,"end":1069.3201,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18500539660453796},{"word":"works","start":1069.3201,"end":1069.64,"confidence":0.9970703,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.1616264134645462},{"word":"in","start":1069.64,"end":1069.7201,"confidence":0.9614258,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12371857464313508},{"word":"a","start":1069.7201,"end":1069.8,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1061515063047409},{"word":"bit","start":1069.8,"end":1069.9601,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13523328304290771},{"word":"of","start":1069.9601,"end":1070.12,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12750913202762604},{"word":"a","start":1070.12,"end":1070.2001,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12495671212673189},{"word":"tiered","start":1070.2001,"end":1070.52,"confidence":0.953125,"punctuated_word":"tiered","sentiment":"neutral","sentiment_score":0.05890588462352753},{"word":"structure","start":1070.52,"end":1071.02,"confidence":0.99902344,"punctuated_word":"structure.","sentiment":"neutral","sentiment_score":0.08834142982959747},{"word":"the","start":1071.48,"end":1071.64,"confidence":0.984375,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1232290416955948},{"word":"newer","start":1071.64,"end":1071.9601,"confidence":0.97802734,"punctuated_word":"newer","sentiment":"neutral","sentiment_score":0.11515425145626068},{"word":"ongoing","start":1071.9601,"end":1072.4601,"confidence":0.94189453,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.13686513900756836},{"word":"service","start":1072.52,"end":1073.0,"confidence":0.9970703,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.08595171570777893},{"word":"agreements","start":1073.0,"end":1073.5,"confidence":0.78759766,"punctuated_word":"agreements","sentiment":"neutral","sentiment_score":0.12359197437763214},{"word":"actually","start":1073.64,"end":1074.12,"confidence":0.9863281,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.16370977461338043},{"word":"outline","start":1074.12,"end":1074.6,"confidence":0.99316406,"punctuated_word":"outline","sentiment":"neutral","sentiment_score":0.18529032170772552},{"word":"your","start":1074.6,"end":1074.8401,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17945195734500885},{"word":"fee","start":1074.8401,"end":1075.16,"confidence":0.9951172,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.14193971455097198},{"word":"as","start":1075.16,"end":1075.4,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17016875743865967},{"word":"a","start":1075.4,"end":1075.48,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17567023634910583},{"word":"dollar","start":1075.48,"end":1075.8,"confidence":0.99902344,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.10214366018772124},{"word":"figure","start":1075.8,"end":1076.28,"confidence":1.0,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.18870770931243896},{"word":"instead","start":1076.28,"end":1076.6,"confidence":0.98535156,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.13084682822227478},{"word":"of","start":1076.6,"end":1076.76,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12065176665782928},{"word":"just","start":1076.76,"end":1077.0,"confidence":0.9707031,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1532169133424759},{"word":"an","start":1077.0,"end":1077.16,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.14996220171451569},{"word":"estimate","start":1077.16,"end":1077.66,"confidence":1.0,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.147943377494812},{"word":"so","start":1078.04,"end":1078.2001,"confidence":0.81640625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.23106326162815097},{"word":"that","start":1078.2001,"end":1078.4401,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2660222351551056},{"word":"it's","start":1078.4401,"end":1078.6,"confidence":0.9941406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.28684550523757935},{"word":"giving","start":1078.6,"end":1078.92,"confidence":0.99902344,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.2740504741668701},{"word":"you","start":1078.92,"end":1079.0801,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31214433908462524},{"word":"more","start":1079.0801,"end":1079.4,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.20652566850185392},{"word":"certainty","start":1079.4,"end":1079.9,"confidence":0.9951172,"punctuated_word":"certainty","sentiment":"neutral","sentiment_score":0.2265445590019226},{"word":"around","start":1079.9601,"end":1080.36,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.2302330881357193},{"word":"how","start":1080.36,"end":1080.52,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.234086275100708},{"word":"much","start":1080.52,"end":1080.68,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.19222937524318695},{"word":"you're","start":1080.68,"end":1080.92,"confidence":0.9753418,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2073304653167725},{"word":"likely","start":1080.92,"end":1081.3201,"confidence":0.9980469,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":0.20848020911216736},{"word":"to","start":1081.3201,"end":1081.48,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17198903858661652},{"word":"pay","start":1081.48,"end":1081.7201,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.1197964772582054},{"word":"for","start":1081.7201,"end":1081.88,"confidence":0.9707031,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16365139186382294},{"word":"our","start":1081.88,"end":1082.04,"confidence":0.9941406,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1938605159521103},{"word":"service","start":1082.04,"end":1082.535,"confidence":0.80810547,"punctuated_word":"service.","sentiment":"neutral","sentiment_score":0.14599889516830444},{"word":"so","start":1082.615,"end":1082.855,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1453256756067276},{"word":"because","start":1082.855,"end":1083.015,"confidence":0.9291992,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.11649350076913834},{"word":"your","start":1083.015,"end":1083.415,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12858974933624268},{"word":"balance","start":1083.415,"end":1083.735,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.09977402538061142},{"word":"is","start":1083.735,"end":1083.895,"confidence":0.97998047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15149107575416565},{"word":"still","start":1083.895,"end":1084.395,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.16814348101615906},{"word":"essentially","start":1084.775,"end":1085.255,"confidence":0.5605469,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.14328008890151978},{"word":"sitting","start":1085.255,"end":1085.655,"confidence":0.99121094,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.1660352349281311},{"word":"at","start":1085.655,"end":1085.8151,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14759641885757446},{"word":"the","start":1085.8151,"end":1085.975,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13712309300899506},{"word":"1.65%","start":1085.975,"end":1087.515,"confidence":0.993457,"punctuated_word":"1.65%,","sentiment":"neutral","sentiment_score":0.1331595778465271},{"word":"we","start":1087.975,"end":1088.2151,"confidence":0.9448242,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.141433984041214},{"word":"estimate","start":1088.2151,"end":1088.615,"confidence":0.7973633,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.1430563926696777},{"word":"it","start":1088.615,"end":1088.775,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17650434374809265},{"word":"to","start":1088.775,"end":1088.935,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17950299382209778},{"word":"be","start":1088.935,"end":1089.0951,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16982685029506683},{"word":"about","start":1089.0951,"end":1089.5951,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14195461571216583},{"word":"$1,700","start":1089.895,"end":1091.0951,"confidence":0.99609375,"punctuated_word":"$1,700","sentiment":"neutral","sentiment_score":0.16144508123397827},{"word":"for","start":1091.0951,"end":1091.3351,"confidence":0.97509766,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1729353815317154},{"word":"the","start":1091.3351,"end":1091.495,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16785293817520142},{"word":"year","start":1091.495,"end":1091.735,"confidence":0.9980469,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.17970819771289823},{"word":"there","start":1091.735,"end":1092.235,"confidence":0.94555664,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.15431630611419678},{"word":"and","start":1092.295,"end":1092.6951,"confidence":0.98095703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15916931629180908},{"word":"to","start":1092.6951,"end":1092.855,"confidence":0.96972656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16320307552814484},{"word":"keep","start":1092.855,"end":1093.0951,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.17155875265598297},{"word":"us","start":1093.0951,"end":1093.415,"confidence":0.9951172,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.251069039106369},{"word":"as","start":1093.415,"end":1093.655,"confidence":0.9550781,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18654637038707733},{"word":"your","start":1093.655,"end":1093.895,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19742244482040405},{"word":"adviser","start":1093.895,"end":1094.295,"confidence":0.8911133,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.24211464822292328},{"word":"and","start":1094.295,"end":1094.535,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2588766813278198},{"word":"keep","start":1094.535,"end":1094.6951,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.3169941306114197},{"word":"looking","start":1094.6951,"end":1095.0951,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.31509605050086975},{"word":"after","start":1095.0951,"end":1095.3351,"confidence":0.9941406,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.3152492046356201},{"word":"your","start":1095.3351,"end":1095.5751,"confidence":0.9902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.36254963278770447},{"word":"super","start":1095.5751,"end":1096.0751,"confidence":0.95703125,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.44574880599975586},{"word":"and","start":1096.25,"end":1096.49,"confidence":0.9873047,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3541329801082611},{"word":"monitoring","start":1096.49,"end":1096.81,"confidence":0.9980469,"punctuated_word":"monitoring","sentiment":"positive","sentiment_score":0.3738848567008972},{"word":"things","start":1096.81,"end":1097.05,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.4121443331241608},{"word":"and","start":1097.05,"end":1097.29,"confidence":0.9633789,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4007478356361389},{"word":"helping","start":1097.29,"end":1097.61,"confidence":1.0,"punctuated_word":"helping","sentiment":"positive","sentiment_score":0.4366547465324402},{"word":"you","start":1097.61,"end":1097.77,"confidence":0.9921875,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4370169937610626},{"word":"moving","start":1097.77,"end":1098.01,"confidence":0.9941406,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.4488767683506012},{"word":"forward","start":1098.01,"end":1098.25,"confidence":0.8156738,"punctuated_word":"forward,","sentiment":"positive","sentiment_score":0.3413315713405609},{"word":"i","start":1098.25,"end":1098.41,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2364199310541153},{"word":"do","start":1098.41,"end":1098.5701,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1415281444787979},{"word":"ask","start":1098.5701,"end":1098.7301,"confidence":0.9970703,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.23572728037834167},{"word":"that","start":1098.7301,"end":1098.9701,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11303863674402236},{"word":"you","start":1098.9701,"end":1099.13,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1367887258529663},{"word":"sign","start":1099.13,"end":1099.37,"confidence":0.9921875,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.07821487635374069},{"word":"and","start":1099.37,"end":1099.4501,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11897138506174088},{"word":"return","start":1099.4501,"end":1099.8501,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.13613098859786987},{"word":"that","start":1099.8501,"end":1100.0901,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1637265831232071},{"word":"back","start":1100.0901,"end":1100.5901,"confidence":0.98291016,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.15736202895641327},{"word":"after","start":1100.81,"end":1100.9701,"confidence":0.8613281,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.1899588704109192},{"word":"the","start":1100.9701,"end":1101.05,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19225887954235077},{"word":"call","start":1101.05,"end":1101.4501,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.2013432085514069},{"word":"for","start":1101.4501,"end":1101.61,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2445981502532959},{"word":"me","start":1101.61,"end":1102.11,"confidence":1.0,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.20389798283576965},{"word":"do","start":1102.17,"end":1102.41,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.06749479472637177},{"word":"you","start":1102.41,"end":1102.49,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08401476591825485},{"word":"have","start":1102.49,"end":1102.65,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07453769445419312},{"word":"any","start":1102.65,"end":1102.89,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.060969434678554535},{"word":"questions","start":1102.89,"end":1103.29,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05504699423909187},{"word":"about","start":1103.29,"end":1103.61,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.027821674942970276},{"word":"the","start":1103.61,"end":1103.6901,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03696475178003311},{"word":"fee","start":1103.6901,"end":1104.01,"confidence":0.97265625,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.03735078126192093},{"word":"structure","start":1104.01,"end":1104.41,"confidence":1.0,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.0246824249625206},{"word":"or","start":1104.41,"end":1104.5701,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05315394699573517},{"word":"anything","start":1104.5701,"end":1104.9701,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.08020655810832977},{"word":"there","start":1104.9701,"end":1105.2101,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05892963334918022},{"word":"at","start":1105.2101,"end":1105.37,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0726066380739212},{"word":"all","start":1105.37,"end":1105.53,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0858771950006485},{"word":"that's","start":1105.53,"end":1106.01,"confidence":0.9211426,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06802134215831757},{"word":"come","start":1106.01,"end":1106.3301,"confidence":0.99609375,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.052856262773275375},{"word":"to","start":1106.3301,"end":1106.49,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04180922731757164},{"word":"mind","start":1106.49,"end":1106.99,"confidence":0.9995117,"punctuated_word":"mind?","sentiment":"neutral","sentiment_score":0.024847833439707756},{"word":"no","start":1109.61,"end":1109.93,"confidence":0.9428711,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15686680376529694},{"word":"that's","start":1109.93,"end":1110.3301,"confidence":0.98706055,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0506296306848526},{"word":"okay","start":1110.3301,"end":1110.8301,"confidence":0.9951172,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.004220803268253803},{"word":"all","start":1110.89,"end":1111.2101,"confidence":0.99609375,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.525245726108551},{"word":"good","start":1111.2101,"end":1111.635,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4983915686607361},{"word":"the","start":1112.035,"end":1112.355,"confidence":0.9291992,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1453455686569214},{"word":"only","start":1112.355,"end":1112.595,"confidence":0.92333984,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.0011545643210411072},{"word":"last","start":1112.595,"end":1112.915,"confidence":0.87353516,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.05052617937326431},{"word":"sort","start":1112.915,"end":1112.995,"confidence":0.89501953,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.025517363101243973},{"word":"of","start":1112.995,"end":1113.075,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004830598831176758},{"word":"things","start":1113.075,"end":1113.395,"confidence":0.96435547,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.029919981956481937},{"word":"to","start":1113.395,"end":1113.475,"confidence":0.96972656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03229536488652229},{"word":"run","start":1113.475,"end":1113.715,"confidence":0.99902344,"punctuated_word":"run","sentiment":"neutral","sentiment_score":-0.0513148307800293},{"word":"through","start":1113.715,"end":1113.875,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.06746899336576462},{"word":"is","start":1113.875,"end":1114.035,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0478559210896492},{"word":"just","start":1114.035,"end":1114.275,"confidence":0.9770508,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.021441340446472168},{"word":"to","start":1114.275,"end":1114.355,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.033322423696517944},{"word":"make","start":1114.355,"end":1114.595,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.028842005878686905},{"word":"sure","start":1114.595,"end":1114.835,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.027063660323619843},{"word":"that","start":1114.835,"end":1115.075,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0264251921325922},{"word":"your","start":1115.075,"end":1115.475,"confidence":0.984375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.038737788796424866},{"word":"circumstances","start":1115.475,"end":1115.975,"confidence":0.99316406,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":-0.03288795426487923},{"word":"look","start":1116.115,"end":1116.355,"confidence":0.7001953,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.01853543519973755},{"word":"at","start":1116.355,"end":1116.595,"confidence":0.8852539,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.021854061633348465},{"word":"see","start":1116.675,"end":1116.915,"confidence":0.9589844,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.03137519955635071},{"word":"if","start":1116.915,"end":1116.995,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0423797070980072},{"word":"there's","start":1116.995,"end":1117.235,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.05971240997314453},{"word":"any","start":1117.235,"end":1117.395,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.03974725306034088},{"word":"major","start":1117.395,"end":1117.795,"confidence":0.9970703,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.07533912360668182},{"word":"changes","start":1117.795,"end":1118.115,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.044358402490615845},{"word":"there","start":1118.115,"end":1118.355,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.058083727955818176},{"word":"at","start":1118.355,"end":1118.435,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.057010602205991745},{"word":"all","start":1118.435,"end":1118.675,"confidence":0.99658203,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.02681582048535347},{"word":"you've","start":1118.675,"end":1118.915,"confidence":0.9824219,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.032200396060943604},{"word":"confirmed","start":1118.915,"end":1119.235,"confidence":0.9165039,"punctuated_word":"confirmed","sentiment":"neutral","sentiment_score":0.04301974177360535},{"word":"your","start":1119.235,"end":1119.475,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01462007500231266},{"word":"income's","start":1119.475,"end":1119.875,"confidence":0.8967285,"punctuated_word":"income's","sentiment":"neutral","sentiment_score":0.02096117101609707},{"word":"about","start":1119.875,"end":1120.115,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01911091059446335},{"word":"120,000","start":1120.115,"end":1121.475,"confidence":0.99902344,"punctuated_word":"120,000","sentiment":"neutral","sentiment_score":0.018285121768712997},{"word":"for","start":1121.475,"end":1121.635,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.00841774046421051},{"word":"the","start":1121.635,"end":1121.795,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006643613800406456},{"word":"year","start":1121.795,"end":1122.115,"confidence":0.99853516,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.011290562339127064},{"word":"is","start":1122.115,"end":1122.275,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.019074443727731705},{"word":"that","start":1122.275,"end":1122.515,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0521957129240036},{"word":"still","start":1122.515,"end":1122.915,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.01943480409681797},{"word":"correct","start":1122.915,"end":1123.415,"confidence":1.0,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.033938441425561905},{"word":"yep","start":1125.25,"end":1125.65,"confidence":0.8171387,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09026973694562912},{"word":"beautiful","start":1125.65,"end":1126.15,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3680768013000488},{"word":"are","start":1126.29,"end":1126.4501,"confidence":0.9980469,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.13731518387794495},{"word":"you","start":1126.4501,"end":1126.61,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15601424872875214},{"word":"due","start":1126.61,"end":1126.77,"confidence":0.9902344,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.1377958059310913},{"word":"for","start":1126.77,"end":1126.93,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1316615641117096},{"word":"a","start":1126.93,"end":1127.01,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15475592017173767},{"word":"pay","start":1127.01,"end":1127.3301,"confidence":0.99609375,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.06625212728977203},{"word":"rise","start":1127.3301,"end":1127.73,"confidence":0.9526367,"punctuated_word":"rise","sentiment":"neutral","sentiment_score":0.08020725846290588},{"word":"soon","start":1127.73,"end":1127.97,"confidence":0.9902344,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":0.06666845828294754},{"word":"at","start":1127.97,"end":1128.13,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06478696316480637},{"word":"all","start":1128.13,"end":1128.63,"confidence":1.0,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.10268042236566544},{"word":"fantastic","start":1132.13,"end":1132.63,"confidence":0.99853516,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.691906213760376},{"word":"well","start":1132.93,"end":1133.09,"confidence":0.9760742,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.48923709988594055},{"word":"cross","start":1133.09,"end":1133.25,"confidence":0.99609375,"punctuated_word":"cross","sentiment":"positive","sentiment_score":0.5445864796638489},{"word":"your","start":1133.25,"end":1133.41,"confidence":0.99316406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5091388821601868},{"word":"fingers","start":1133.41,"end":1133.81,"confidence":0.8288574,"punctuated_word":"fingers.","sentiment":"positive","sentiment_score":0.5780348777770996},{"word":"you","start":1133.81,"end":1133.97,"confidence":1.0,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.6767917275428772},{"word":"get","start":1133.97,"end":1134.13,"confidence":0.96240234,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.628922164440155},{"word":"a","start":1134.13,"end":1134.2101,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6228545904159546},{"word":"nice","start":1134.2101,"end":1134.53,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.5996878147125244},{"word":"one","start":1134.53,"end":1135.03,"confidence":1.0,"punctuated_word":"one.","sentiment":"positive","sentiment_score":0.5145586729049683},{"word":"fantastic","start":1139.885,"end":1140.385,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5436426997184753},{"word":"excellent","start":1141.0851,"end":1141.5851,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4982911348342895},{"word":"are","start":1142.605,"end":1142.8451,"confidence":0.8798828,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.16355901956558228},{"word":"you","start":1142.8451,"end":1143.165,"confidence":0.88720703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21596825122833252},{"word":"yourself","start":1143.165,"end":1143.485,"confidence":0.53125,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.17749856412410736},{"word":"and","start":1143.485,"end":1143.645,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2194703221321106},{"word":"eileen","start":1143.645,"end":1144.125,"confidence":0.7624512,"punctuated_word":"Eileen","sentiment":"neutral","sentiment_score":0.17783161997795105},{"word":"managing","start":1144.125,"end":1144.525,"confidence":0.98828125,"punctuated_word":"managing","sentiment":"neutral","sentiment_score":0.15798339247703552},{"word":"to","start":1144.525,"end":1144.685,"confidence":0.70458984,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15732629597187042},{"word":"sort","start":1144.685,"end":1144.925,"confidence":0.9472656,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.20985940098762512},{"word":"of","start":1144.925,"end":1145.005,"confidence":0.9472656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2147643566131592},{"word":"save","start":1145.005,"end":1145.3251,"confidence":0.9716797,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.14597201347351074},{"word":"much","start":1145.3251,"end":1145.5651,"confidence":0.9970703,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1568170040845871},{"word":"on","start":1145.5651,"end":1145.7251,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14824695885181427},{"word":"a","start":1145.7251,"end":1145.885,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.122614286839962},{"word":"weekly","start":1145.885,"end":1146.2051,"confidence":1.0,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.08702224493026733},{"word":"or","start":1146.2051,"end":1146.365,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11587382853031158},{"word":"monthly","start":1146.365,"end":1146.765,"confidence":0.99609375,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.11194418370723724},{"word":"basis","start":1146.765,"end":1147.0851,"confidence":0.9970703,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.12202014029026031},{"word":"out","start":1147.0851,"end":1147.3251,"confidence":0.9863281,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14267508685588837},{"word":"of","start":1147.3251,"end":1147.405,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10211701691150664},{"word":"your","start":1147.405,"end":1147.5651,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0845402181148529},{"word":"income","start":1147.5651,"end":1147.9651,"confidence":0.8405762,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.10243373364210127},{"word":"or","start":1147.9651,"end":1148.125,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05037164688110352},{"word":"are","start":1148.125,"end":1148.2051,"confidence":0.7192383,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04408096522092819},{"word":"you","start":1148.2051,"end":1148.365,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0837780088186264},{"word":"finding","start":1148.365,"end":1148.765,"confidence":0.9941406,"punctuated_word":"finding","sentiment":"neutral","sentiment_score":0.06716561317443848},{"word":"all","start":1148.765,"end":1148.925,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05634848773479462},{"word":"of","start":1148.925,"end":1149.0851,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.060526877641677856},{"word":"your","start":1149.0851,"end":1149.165,"confidence":0.9633789,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03820043057203293},{"word":"income","start":1149.165,"end":1149.5651,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06481526792049408},{"word":"is","start":1149.5651,"end":1149.7251,"confidence":0.96533203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06641492247581482},{"word":"going","start":1149.7251,"end":1150.045,"confidence":0.99121094,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.106756329536438},{"word":"towards","start":1150.045,"end":1150.4451,"confidence":0.9658203,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.12965776026248932},{"word":"the","start":1150.4451,"end":1150.8,"confidence":0.7661133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12740255892276764},{"word":"expenses","start":1150.88,"end":1151.2001,"confidence":0.9667969,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.09453070163726808},{"word":"of","start":1151.2001,"end":1151.28,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0767359733581543},{"word":"the","start":1151.28,"end":1151.52,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08205090463161469},{"word":"household","start":1151.52,"end":1152.0,"confidence":0.9946289,"punctuated_word":"household?","sentiment":"neutral","sentiment_score":0.0424804612994194},{"word":"how","start":1152.0,"end":1152.24,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.004477085545659065},{"word":"do","start":1152.24,"end":1152.3201,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.003764726221561432},{"word":"you","start":1152.3201,"end":1152.4801,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007141461595892906},{"word":"sort","start":1152.4801,"end":1152.64,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.006543800234794617},{"word":"of","start":1152.64,"end":1152.7201,"confidence":0.9707031,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.004007227718830109},{"word":"find","start":1152.7201,"end":1152.9601,"confidence":0.9980469,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.004931708797812462},{"word":"things","start":1152.9601,"end":1153.2001,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.004232581704854965},{"word":"at","start":1153.2001,"end":1153.3601,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0071751512587070465},{"word":"the","start":1153.3601,"end":1153.4401,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015230730175971985},{"word":"moment","start":1153.4401,"end":1153.9401,"confidence":0.9995117,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.029397454112768173},{"word":"oh","start":1165.52,"end":1165.8401,"confidence":0.9836426,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.2954184412956238},{"word":"fantastic","start":1165.8401,"end":1166.3401,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.3725160360336304},{"word":"yeah","start":1167.3351,"end":1167.735,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18861693143844604},{"word":"beautiful","start":1167.735,"end":1168.235,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.31312084197998047},{"word":"are","start":1168.375,"end":1168.6951,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.0816994309425354},{"word":"you","start":1168.6951,"end":1169.095,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07960768789052963},{"word":"putting","start":1169.095,"end":1169.495,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.07278755307197571},{"word":"a","start":1169.495,"end":1169.655,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1166875585913658},{"word":"set","start":1169.655,"end":1169.895,"confidence":0.98291016,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.05366366356611252},{"word":"amount","start":1169.895,"end":1170.295,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.05256711691617966},{"word":"away","start":1170.295,"end":1170.615,"confidence":0.99902344,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.10028009861707687},{"word":"every","start":1170.615,"end":1170.855,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.03924138844013214},{"word":"week","start":1170.855,"end":1171.175,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.020231973379850388},{"word":"to","start":1171.175,"end":1171.415,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06925763934850693},{"word":"sort","start":1171.415,"end":1171.5751,"confidence":0.9980469,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07410095632076263},{"word":"of","start":1171.5751,"end":1171.735,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08892344683408737},{"word":"help","start":1171.735,"end":1171.975,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.06014041230082512},{"word":"with","start":1171.975,"end":1172.135,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07948136329650879},{"word":"that","start":1172.135,"end":1172.4551,"confidence":0.9291992,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0645899698138237},{"word":"or","start":1172.4551,"end":1172.6951,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03348871320486069},{"word":"is","start":1172.6951,"end":1172.855,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03380674868822098},{"word":"it","start":1172.855,"end":1172.935,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06653077155351639},{"word":"just","start":1172.935,"end":1173.095,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.036185842007398605},{"word":"whatever","start":1173.095,"end":1173.495,"confidence":0.99902344,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.02788830548524857},{"word":"you","start":1173.495,"end":1173.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03287394717335701},{"word":"have","start":1173.655,"end":1173.895,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02296692505478859},{"word":"available","start":1173.895,"end":1174.375,"confidence":1.0,"punctuated_word":"available","sentiment":"neutral","sentiment_score":0.004010617733001709},{"word":"at","start":1174.375,"end":1174.4551,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0011921823024749756},{"word":"the","start":1174.4551,"end":1174.535,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030670814216136932},{"word":"end","start":1174.535,"end":1174.775,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.03701549395918846},{"word":"of","start":1174.775,"end":1174.855,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03195275366306305},{"word":"the","start":1174.855,"end":1174.935,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02175803855061531},{"word":"week","start":1174.935,"end":1175.435,"confidence":1.0,"punctuated_word":"week?","sentiment":"neutral","sentiment_score":0.011973131448030472},{"word":"okay","start":1179.175,"end":1179.655,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08211866021156311},{"word":"beautiful","start":1179.655,"end":1180.155,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.13040058314800262},{"word":"do","start":1180.295,"end":1180.4551,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.013583783060312273},{"word":"you","start":1180.4551,"end":1180.615,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020130548626184464},{"word":"have","start":1180.615,"end":1180.775,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01356661692261696},{"word":"much","start":1180.775,"end":1181.015,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.024308592081069943},{"word":"in","start":1181.015,"end":1181.255,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.029438301920890808},{"word":"savings","start":1181.255,"end":1181.735,"confidence":1.0,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.031412675976753235},{"word":"at","start":1181.735,"end":1181.895,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.013349473476409912},{"word":"the","start":1181.895,"end":1181.975,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004587315022945404},{"word":"moment","start":1181.975,"end":1182.475,"confidence":1.0,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":-0.002326773479580879},{"word":"yeah","start":1187.78,"end":1188.28,"confidence":0.876709,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04375849664211273},{"word":"yeah","start":1188.5,"end":1189.0,"confidence":0.9069824,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06480635702610016},{"word":"oh","start":1199.9451,"end":1200.4451,"confidence":0.7133789,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.1193077266216278},{"word":"no","start":1200.505,"end":1201.005,"confidence":0.9890137,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.15224841237068176},{"word":"so","start":1201.305,"end":1201.545,"confidence":0.87060547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13808831572532654},{"word":"you're","start":1201.545,"end":1201.7051,"confidence":0.9975586,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.15096426010131836},{"word":"having","start":1201.7051,"end":1202.025,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.1364159882068634},{"word":"to","start":1202.025,"end":1202.185,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14678309857845306},{"word":"try","start":1202.185,"end":1202.3451,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.16967931389808655},{"word":"and","start":1202.3451,"end":1202.5851,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14072583615779877},{"word":"find","start":1202.5851,"end":1202.8251,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.1533908247947693},{"word":"something","start":1202.8251,"end":1203.145,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.15208308398723602},{"word":"else","start":1203.145,"end":1203.4651,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":-0.14745324850082395},{"word":"for","start":1203.4651,"end":1203.625,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.12947648763656616},{"word":"the","start":1203.625,"end":1203.785,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11772331595420836},{"word":"time","start":1203.785,"end":1204.025,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.11248692870140076},{"word":"being","start":1204.025,"end":1204.525,"confidence":0.85009766,"punctuated_word":"being.","sentiment":"neutral","sentiment_score":-0.11286389082670212},{"word":"oh","start":1206.185,"end":1206.685,"confidence":0.77368164,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.04977908357977867},{"word":"oh","start":1208.025,"end":1208.265,"confidence":0.7175293,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.05668893828988075},{"word":"i","start":1208.265,"end":1208.3451,"confidence":0.7324219,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06781823933124542},{"word":"see","start":1208.3451,"end":1208.5851,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.0665585920214653},{"word":"your","start":1208.5851,"end":1208.9851,"confidence":0.7192383,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08053287863731384},{"word":"wife","start":1208.9851,"end":1209.305,"confidence":0.921875,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":-0.09786169230937958},{"word":"is","start":1209.305,"end":1209.4651,"confidence":0.98535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08715260773897171},{"word":"house","start":1209.4651,"end":1209.785,"confidence":0.9941406,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.09066551923751832},{"word":"hunting","start":1209.785,"end":1210.265,"confidence":0.98291016,"punctuated_word":"hunting","sentiment":"neutral","sentiment_score":-0.054990049451589584},{"word":"currently","start":1210.265,"end":1210.765,"confidence":0.91308594,"punctuated_word":"currently.","sentiment":"neutral","sentiment_score":-0.06933523714542389},{"word":"poor","start":1210.905,"end":1211.305,"confidence":0.9921875,"punctuated_word":"Poor","sentiment":"neutral","sentiment_score":-0.23151350021362305},{"word":"soul","start":1211.305,"end":1211.805,"confidence":0.9831543,"punctuated_word":"soul.","sentiment":"neutral","sentiment_score":-0.18871453404426575},{"word":"have","start":1214.31,"end":1214.55,"confidence":0.9980469,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.08463390916585922},{"word":"you","start":1214.55,"end":1214.71,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05494321137666702},{"word":"found","start":1214.71,"end":1215.03,"confidence":1.0,"punctuated_word":"found","sentiment":"neutral","sentiment_score":-0.06464508175849915},{"word":"anything","start":1215.03,"end":1215.35,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.06114934757351875},{"word":"that","start":1215.35,"end":1215.51,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05655941367149353},{"word":"you","start":1215.51,"end":1215.75,"confidence":0.9633789,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02303970605134964},{"word":"like","start":1215.75,"end":1215.99,"confidence":0.9448242,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.02337630465626717},{"word":"that","start":1215.99,"end":1216.15,"confidence":0.921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.015744823962450027},{"word":"you're","start":1216.15,"end":1216.39,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.02172587811946869},{"word":"sort","start":1216.39,"end":1216.55,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.03677785024046898},{"word":"of","start":1216.55,"end":1216.71,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.024160925298929214},{"word":"looking","start":1216.71,"end":1217.11,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.01094498485326767},{"word":"to","start":1217.11,"end":1217.27,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03793269768357277},{"word":"move","start":1217.27,"end":1217.51,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.04050317406654358},{"word":"into","start":1217.51,"end":1217.91,"confidence":0.9892578,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.031018417328596115},{"word":"for","start":1217.91,"end":1218.0701,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.040616244077682495},{"word":"the","start":1218.0701,"end":1218.15,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.033095426857471466},{"word":"time","start":1218.15,"end":1218.47,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.028053808957338333},{"word":"being","start":1218.47,"end":1218.97,"confidence":0.9995117,"punctuated_word":"being?","sentiment":"neutral","sentiment_score":-0.024086156859993935},{"word":"yep","start":1224.47,"end":1224.97,"confidence":0.80810547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.01436924934387207},{"word":"yeah","start":1229.265,"end":1229.765,"confidence":0.98583984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.004478828981518745},{"word":"yeah","start":1231.5851,"end":1232.0851,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04393929988145828},{"word":"absolutely","start":1232.145,"end":1232.645,"confidence":0.98950195,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.07775413990020752},{"word":"and","start":1233.185,"end":1233.425,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.050901852548122406},{"word":"so","start":1233.425,"end":1233.5851,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03494052588939667},{"word":"that","start":1233.5851,"end":1233.8251,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04268892481923103},{"word":"sort","start":1233.8251,"end":1233.9851,"confidence":0.9667969,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04828790947794914},{"word":"of","start":1233.9851,"end":1234.145,"confidence":0.50341797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05466518923640251},{"word":"means","start":1234.145,"end":1234.4651,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.058518074452877045},{"word":"that","start":1234.4651,"end":1234.625,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02779937908053398},{"word":"some","start":1234.625,"end":1234.785,"confidence":0.9951172,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.015873096883296967},{"word":"of","start":1234.785,"end":1234.9451,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02130235731601715},{"word":"your","start":1234.9451,"end":1235.185,"confidence":0.86279297,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03789126127958298},{"word":"savings","start":1235.185,"end":1235.5851,"confidence":0.9970703,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.05370031297206879},{"word":"you've","start":1235.5851,"end":1235.7451,"confidence":0.9753418,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04978039860725403},{"word":"got","start":1235.7451,"end":1235.905,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07319772243499756},{"word":"there","start":1235.905,"end":1236.0651,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06285753846168518},{"word":"for","start":1236.0651,"end":1236.305,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03333958983421326},{"word":"your","start":1236.305,"end":1236.4651,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01005484163761139},{"word":"home","start":1236.4651,"end":1236.7051,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.02156507968902588},{"word":"deposit","start":1236.7051,"end":1237.185,"confidence":1.0,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":0.03664836287498474},{"word":"will","start":1237.185,"end":1237.425,"confidence":0.9921875,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0279310941696167},{"word":"probably","start":1237.425,"end":1237.8251,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.020080141723155975},{"word":"have","start":1237.8251,"end":1238.0651,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.030970610678195953},{"word":"to","start":1238.0651,"end":1238.145,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05542002245783806},{"word":"go","start":1238.145,"end":1238.385,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10617925971746443},{"word":"towards","start":1238.385,"end":1238.885,"confidence":0.9748535,"punctuated_word":"towards,","sentiment":"neutral","sentiment_score":0.06017999351024628},{"word":"like","start":1239.45,"end":1239.77,"confidence":0.951416,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.056678228080272675},{"word":"rental","start":1239.77,"end":1240.25,"confidence":1.0,"punctuated_word":"rental","sentiment":"neutral","sentiment_score":0.03423215448856354},{"word":"expenses","start":1240.25,"end":1240.65,"confidence":0.9970703,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.04526889324188232},{"word":"and","start":1240.65,"end":1240.89,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.026326701045036316},{"word":"moving","start":1240.89,"end":1241.21,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.03615479916334152},{"word":"expenses","start":1241.21,"end":1241.69,"confidence":1.0,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.05284416675567627},{"word":"for","start":1241.69,"end":1241.85,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.019310198724269867},{"word":"the","start":1241.85,"end":1242.01,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009932637214660645},{"word":"time","start":1242.01,"end":1242.1699,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.026841264218091965},{"word":"being","start":1242.1699,"end":1242.6699,"confidence":0.8679199,"punctuated_word":"being.","sentiment":"neutral","sentiment_score":0.002759271301329136},{"word":"yeah","start":1244.73,"end":1245.23,"confidence":0.8691406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07750838994979858},{"word":"yeah","start":1245.53,"end":1246.03,"confidence":0.9880371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1305103898048401},{"word":"well","start":1246.09,"end":1246.33,"confidence":0.9970703,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.1657913476228714},{"word":"i'm","start":1246.33,"end":1246.49,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1179760843515396},{"word":"so","start":1246.49,"end":1246.73,"confidence":0.9951172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08856502920389175},{"word":"sorry","start":1246.73,"end":1246.97,"confidence":1.0,"punctuated_word":"sorry","sentiment":"neutral","sentiment_score":-0.04693196713924408},{"word":"to","start":1246.97,"end":1247.13,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06660134345293045},{"word":"hear","start":1247.13,"end":1247.2899,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.09778950363397598},{"word":"that","start":1247.2899,"end":1247.53,"confidence":0.76831055,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.0892733484506607},{"word":"but","start":1247.53,"end":1247.69,"confidence":0.84814453,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.0570150762796402},{"word":"hopefully","start":1247.69,"end":1248.09,"confidence":1.0,"punctuated_word":"hopefully,","sentiment":"positive","sentiment_score":0.3504512906074524},{"word":"your","start":1248.09,"end":1248.33,"confidence":0.9941406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5357332229614258},{"word":"new","start":1248.33,"end":1248.49,"confidence":0.9970703,"punctuated_word":"new","sentiment":"positive","sentiment_score":0.3752015233039856},{"word":"home","start":1248.49,"end":1248.73,"confidence":0.9970703,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.3134540319442749},{"word":"is","start":1248.73,"end":1248.89,"confidence":0.9951172,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5790563821792603},{"word":"a","start":1248.89,"end":1249.0499,"confidence":0.98828125,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.578374445438385},{"word":"little","start":1249.0499,"end":1249.21,"confidence":0.9980469,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.4986535310745239},{"word":"bit","start":1249.21,"end":1249.45,"confidence":0.99316406,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5171945691108704},{"word":"nicer","start":1249.45,"end":1249.9299,"confidence":0.75,"punctuated_word":"nicer,","sentiment":"positive","sentiment_score":0.5005842447280884},{"word":"and","start":1249.9299,"end":1250.33,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.49299564957618713},{"word":"you'll","start":1250.33,"end":1250.65,"confidence":0.9941406,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.5864988565444946},{"word":"get","start":1250.65,"end":1250.8099,"confidence":0.99121094,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5621163249015808},{"word":"back","start":1250.8099,"end":1251.0499,"confidence":0.9892578,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.5467098951339722},{"word":"into","start":1251.0499,"end":1251.53,"confidence":0.95410156,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.5564678311347961},{"word":"saving","start":1251.53,"end":1252.01,"confidence":0.9790039,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.4547255337238312},{"word":"again","start":1252.01,"end":1252.25,"confidence":0.9838867,"punctuated_word":"again","sentiment":"positive","sentiment_score":0.5360869765281677},{"word":"and","start":1252.25,"end":1252.695,"confidence":0.6855469,"punctuated_word":"and,","sentiment":"positive","sentiment_score":0.4594449996948242},{"word":"hopefully","start":1252.7749,"end":1252.9349,"confidence":0.97265625,"punctuated_word":"hopefully","sentiment":"positive","sentiment_score":0.4917163848876953},{"word":"have","start":1252.9349,"end":1253.1749,"confidence":0.9506836,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5171478986740112},{"word":"a","start":1253.1749,"end":1253.335,"confidence":0.96972656,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.49275508522987366},{"word":"deposit","start":1253.335,"end":1253.6549,"confidence":1.0,"punctuated_word":"deposit","sentiment":"positive","sentiment_score":0.5039967894554138},{"word":"to","start":1253.6549,"end":1253.815,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.43118393421173096},{"word":"get","start":1253.815,"end":1253.975,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.406261533498764},{"word":"into","start":1253.975,"end":1254.2949,"confidence":0.9980469,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.42219990491867065},{"word":"a","start":1254.2949,"end":1254.455,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.39036279916763306},{"word":"new","start":1254.455,"end":1254.615,"confidence":1.0,"punctuated_word":"new","sentiment":"positive","sentiment_score":0.3401084840297699},{"word":"home","start":1254.615,"end":1254.855,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.2682949900627136},{"word":"in","start":1254.855,"end":1255.0149,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3799682855606079},{"word":"the","start":1255.0149,"end":1255.095,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3352275490760803},{"word":"future","start":1255.095,"end":1255.595,"confidence":0.9975586,"punctuated_word":"future.","sentiment":"positive","sentiment_score":0.35900360345840454},{"word":"just","start":1256.855,"end":1257.255,"confidence":0.7597656,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.11433849483728407},{"word":"so","start":1257.255,"end":1257.495,"confidence":0.9838867,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09453216195106506},{"word":"you","start":1257.495,"end":1257.6549,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10025722533464432},{"word":"are","start":1257.6549,"end":1257.8949,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10618913173675536},{"word":"aware","start":1257.8949,"end":1258.215,"confidence":1.0,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":0.09605103731155396},{"word":"as","start":1258.215,"end":1258.375,"confidence":0.97802734,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11272155493497849},{"word":"well","start":1258.375,"end":1258.615,"confidence":0.9824219,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.09658122062683104},{"word":"we","start":1258.615,"end":1258.7749,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11509984731674194},{"word":"do","start":1258.7749,"end":1258.9349,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12695933878421783},{"word":"also","start":1258.9349,"end":1259.255,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1093841940164566},{"word":"have","start":1259.255,"end":1259.495,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12647315859794617},{"word":"access","start":1259.495,"end":1259.8949,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.14261192083358765},{"word":"to","start":1259.8949,"end":1260.0549,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1456960886716843},{"word":"mortgage","start":1260.0549,"end":1260.5349,"confidence":0.99902344,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.09168869256973268},{"word":"brokers","start":1260.5349,"end":1261.0149,"confidence":0.8864746,"punctuated_word":"brokers,","sentiment":"neutral","sentiment_score":0.12175821512937546},{"word":"which","start":1261.0149,"end":1261.335,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.16923177242279053},{"word":"are","start":1261.335,"end":1261.495,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13770461082458496},{"word":"completely","start":1261.495,"end":1261.995,"confidence":0.99902344,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.20623749494552612},{"word":"free","start":1262.375,"end":1262.615,"confidence":0.92578125,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.22042295336723328},{"word":"to","start":1262.615,"end":1262.7749,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20895718038082123},{"word":"yourself","start":1262.7749,"end":1263.2749,"confidence":0.96899414,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":0.17457537353038788},{"word":"we","start":1264.1349,"end":1264.2949,"confidence":0.9140625,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.13668225705623627},{"word":"can","start":1264.2949,"end":1264.5349,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16388851404190063},{"word":"refer","start":1264.5349,"end":1264.855,"confidence":0.99316406,"punctuated_word":"refer","sentiment":"neutral","sentiment_score":0.13561351597309113},{"word":"you","start":1264.855,"end":1265.095,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16854514181613922},{"word":"across","start":1265.095,"end":1265.335,"confidence":0.9658203,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.15970025956630707},{"word":"to","start":1265.335,"end":1265.495,"confidence":0.8935547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12133045494556428},{"word":"a","start":1265.495,"end":1265.575,"confidence":0.9350586,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11446238309144974},{"word":"mortgage","start":1265.575,"end":1266.0549,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.06855867058038712},{"word":"broker","start":1266.0549,"end":1266.375,"confidence":0.9941406,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":0.08418641239404678},{"word":"when","start":1266.375,"end":1266.5349,"confidence":0.9536133,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.13502879440784454},{"word":"and","start":1266.5349,"end":1266.695,"confidence":0.81347656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09872595220804214},{"word":"if","start":1266.695,"end":1266.855,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1360819935798645},{"word":"you","start":1266.855,"end":1267.0149,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12400729954242706},{"word":"are","start":1267.0149,"end":1267.255,"confidence":0.9946289,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.125840961933136},{"word":"you","start":1267.255,"end":1267.4149,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11341287195682526},{"word":"know","start":1267.4149,"end":1267.575,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11374367773532867},{"word":"wanting","start":1267.575,"end":1267.975,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.10004313290119173},{"word":"to","start":1267.975,"end":1268.0549,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13365377485752106},{"word":"look","start":1268.0549,"end":1268.375,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11128299683332445},{"word":"at","start":1268.375,"end":1268.67,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10511638224124908},{"word":"servicing","start":1268.8301,"end":1269.2301,"confidence":0.98095703,"punctuated_word":"servicing","sentiment":"neutral","sentiment_score":0.09768016636371613},{"word":"capacity","start":1269.2301,"end":1269.7301,"confidence":0.99902344,"punctuated_word":"capacity","sentiment":"neutral","sentiment_score":0.08277096599340439},{"word":"and","start":1269.87,"end":1270.11,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08986012637615204},{"word":"looking","start":1270.11,"end":1270.43,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.11257533729076384},{"word":"at","start":1270.43,"end":1270.5901,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0939750224351883},{"word":"buying","start":1270.5901,"end":1270.8301,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.12063625454902648},{"word":"a","start":1270.8301,"end":1270.99,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12790650129318237},{"word":"home","start":1270.99,"end":1271.2301,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.09161090105772018},{"word":"to","start":1271.2301,"end":1271.39,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1025480255484581},{"word":"see","start":1271.39,"end":1271.63,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10820163041353226},{"word":"what","start":1271.63,"end":1271.87,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08578531444072723},{"word":"kind","start":1271.87,"end":1272.03,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0760975182056427},{"word":"of","start":1272.03,"end":1272.1901,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10208922624588011},{"word":"borrowing","start":1272.1901,"end":1272.67,"confidence":0.99902344,"punctuated_word":"borrowing","sentiment":"neutral","sentiment_score":0.05754411965608597},{"word":"capacity","start":1272.67,"end":1273.17,"confidence":1.0,"punctuated_word":"capacity","sentiment":"neutral","sentiment_score":0.05427815020084381},{"word":"you","start":1273.2301,"end":1273.39,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1267433762550354},{"word":"would","start":1273.39,"end":1273.55,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.15515916049480438},{"word":"have","start":1273.55,"end":1273.79,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16574659943580627},{"word":"based","start":1273.79,"end":1274.11,"confidence":0.99902344,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.18150755763053897},{"word":"on","start":1274.11,"end":1274.27,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18177305161952972},{"word":"your","start":1274.27,"end":1274.5901,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19339829683303833},{"word":"expenses","start":1274.5901,"end":1275.0901,"confidence":0.97680664,"punctuated_word":"expenses,","sentiment":"neutral","sentiment_score":0.17158451676368713},{"word":"which","start":1275.4701,"end":1275.7101,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.18764132261276245},{"word":"can","start":1275.7101,"end":1275.9501,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19419211149215695},{"word":"definitely","start":1275.9501,"end":1276.3501,"confidence":0.9980469,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.28793516755104065},{"word":"help","start":1276.3501,"end":1276.5901,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.19990302622318268},{"word":"when","start":1276.5901,"end":1276.75,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1887816935777664},{"word":"you","start":1276.75,"end":1276.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1795698255300522},{"word":"are","start":1276.91,"end":1277.15,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.194554403424263},{"word":"looking","start":1277.15,"end":1277.4701,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1550689935684204},{"word":"at","start":1277.4701,"end":1277.7101,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12162411212921144},{"word":"buying","start":1277.7101,"end":1277.9501,"confidence":0.99902344,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.14265677332878113},{"word":"a","start":1277.9501,"end":1278.11,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12927013635635376},{"word":"home","start":1278.11,"end":1278.43,"confidence":0.9370117,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":0.12890344858169556},{"word":"what","start":1278.43,"end":1278.5901,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1494065374135971},{"word":"you","start":1278.5901,"end":1278.75,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1228284016251564},{"word":"might","start":1278.75,"end":1278.99,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.12791337072849274},{"word":"be","start":1278.99,"end":1279.15,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13060534000396729},{"word":"able","start":1279.15,"end":1279.39,"confidence":0.9980469,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.14509141445159912},{"word":"to","start":1279.39,"end":1279.63,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15873286128044128},{"word":"purchase","start":1279.63,"end":1280.11,"confidence":0.9921875,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.08427035808563232},{"word":"the","start":1280.11,"end":1280.1901,"confidence":0.61035156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14310681819915771},{"word":"cost","start":1280.1901,"end":1280.51,"confidence":0.78759766,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.1461164653301239},{"word":"and","start":1280.51,"end":1280.685,"confidence":0.47070312,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1520315557718277},{"word":"things","start":1280.765,"end":1281.0851,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1623871922492981},{"word":"like","start":1281.0851,"end":1281.165,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.13910150527954102},{"word":"that","start":1281.165,"end":1281.5651,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19083210825920105},{"word":"for","start":1281.5651,"end":1281.805,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17931422591209412},{"word":"you","start":1281.805,"end":1282.285,"confidence":0.99365234,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.10173270106315611},{"word":"okay","start":1282.285,"end":1282.785,"confidence":0.97216797,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.08018917590379715},{"word":"fantastic","start":1284.6051,"end":1285.1051,"confidence":0.9975586,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4197213053703308},{"word":"excellent","start":1285.4851,"end":1285.9851,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.40132492780685425},{"word":"just","start":1286.685,"end":1286.925,"confidence":0.99609375,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.3071422278881073},{"word":"on","start":1286.925,"end":1287.0851,"confidence":0.97314453,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.27894723415374756},{"word":"that","start":1287.0851,"end":1287.3251,"confidence":0.99609375,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3496835231781006},{"word":"savings","start":1287.3251,"end":1287.7251,"confidence":0.9970703,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.2716803550720215},{"word":"account","start":1287.7251,"end":1288.125,"confidence":0.98950195,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.2172379195690155},{"word":"how","start":1288.125,"end":1288.285,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.116853766143322},{"word":"much","start":1288.285,"end":1288.4451,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.13219380378723145},{"word":"do","start":1288.4451,"end":1288.6051,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13325199484825134},{"word":"you","start":1288.6051,"end":1288.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18799585103988647},{"word":"have","start":1288.685,"end":1288.925,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16916990280151367},{"word":"sitting","start":1288.925,"end":1289.165,"confidence":1.0,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.1825554072856903},{"word":"in","start":1289.165,"end":1289.3251,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15363076329231262},{"word":"there","start":1289.3251,"end":1289.5651,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.17530231177806854},{"word":"at","start":1289.5651,"end":1289.645,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16062191128730774},{"word":"the","start":1289.645,"end":1289.805,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2122441828250885},{"word":"moment","start":1289.805,"end":1290.305,"confidence":1.0,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.17881718277931213},{"word":"okay","start":1301.82,"end":1302.32,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.00823216326534748},{"word":"yeah","start":1303.58,"end":1304.08,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14618253707885742},{"word":"that's","start":1304.46,"end":1304.7799,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.27746903896331787},{"word":"okay","start":1304.7799,"end":1305.1799,"confidence":1.0,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.3423728942871094},{"word":"that's","start":1305.1799,"end":1305.4199,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5898334980010986},{"word":"actually","start":1305.4199,"end":1305.82,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.5386260747909546},{"word":"really","start":1305.82,"end":1306.0599,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5462193489074707},{"word":"good","start":1306.0599,"end":1306.5599,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5284615159034729},{"word":"fantastic","start":1306.62,"end":1307.12,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5284091830253601},{"word":"and","start":1308.745,"end":1309.145,"confidence":0.97314453,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2450331300497055},{"word":"if","start":1309.145,"end":1309.305,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2482872009277344},{"word":"you","start":1309.305,"end":1309.465,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.227983295917511},{"word":"had","start":1309.465,"end":1309.705,"confidence":0.98095703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.24549241364002228},{"word":"to","start":1309.705,"end":1309.865,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20385345816612244},{"word":"quantify","start":1309.865,"end":1310.365,"confidence":1.0,"punctuated_word":"quantify","sentiment":"neutral","sentiment_score":0.17740340530872345},{"word":"your","start":1310.425,"end":1310.665,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12925931811332703},{"word":"savings","start":1310.665,"end":1311.065,"confidence":0.99560547,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":0.14097607135772705},{"word":"are","start":1311.065,"end":1311.305,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1045808643102646},{"word":"you","start":1311.305,"end":1311.465,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13000769913196564},{"word":"managing","start":1311.465,"end":1311.785,"confidence":1.0,"punctuated_word":"managing","sentiment":"neutral","sentiment_score":0.13624562323093414},{"word":"to","start":1311.785,"end":1311.945,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1760098785161972},{"word":"sort","start":1311.945,"end":1312.105,"confidence":0.97802734,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1707715094089508},{"word":"of","start":1312.105,"end":1312.265,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14278554916381836},{"word":"put","start":1312.265,"end":1312.425,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.12719129025936127},{"word":"away","start":1312.425,"end":1312.745,"confidence":0.99902344,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.17533636093139648},{"word":"on","start":1312.745,"end":1312.905,"confidence":0.86865234,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13305288553237915},{"word":"average","start":1312.905,"end":1313.305,"confidence":0.9892578,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.1101355403661728},{"word":"about","start":1313.305,"end":1313.545,"confidence":0.99316406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14833448827266693},{"word":"1","start":1313.545,"end":1313.705,"confidence":1.0,"punctuated_word":"1","sentiment":"neutral","sentiment_score":0.15010741353034973},{"word":"to","start":1313.705,"end":1313.865,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09152592718601228},{"word":"200","start":1313.865,"end":1314.345,"confidence":1.0,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.1703249365091324},{"word":"on","start":1314.345,"end":1314.505,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12062294781208038},{"word":"a","start":1314.505,"end":1314.585,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13328060507774353},{"word":"weekly","start":1314.585,"end":1314.905,"confidence":1.0,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.11488357931375504},{"word":"or","start":1314.905,"end":1315.145,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0935620367527008},{"word":"monthly","start":1315.145,"end":1315.545,"confidence":0.9970703,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.11680305749177931},{"word":"basis","start":1315.545,"end":1315.945,"confidence":0.78515625,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":0.10078109800815582},{"word":"or","start":1315.945,"end":1316.105,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10603472590446472},{"word":"how","start":1316.105,"end":1316.265,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.12129193544387816},{"word":"would","start":1316.265,"end":1316.425,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1306186020374298},{"word":"you","start":1316.425,"end":1316.585,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12323842942714693},{"word":"quantify","start":1316.585,"end":1317.085,"confidence":0.99902344,"punctuated_word":"quantify","sentiment":"neutral","sentiment_score":0.14498688280582428},{"word":"it","start":1317.145,"end":1317.305,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1409403830766678},{"word":"realistically","start":1317.305,"end":1317.805,"confidence":0.9863281,"punctuated_word":"realistically?","sentiment":"neutral","sentiment_score":0.08738791197538376},{"word":"yep","start":1325.88,"end":1326.38,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1379968523979187},{"word":"perfect","start":1326.6,"end":1327.1,"confidence":0.8173828,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.36922687292099},{"word":"fantastic","start":1327.56,"end":1328.06,"confidence":0.9980469,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4188244342803955},{"word":"excellent","start":1328.2001,"end":1328.7001,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4284782409667969},{"word":"thank","start":1328.76,"end":1329.0,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4838630259037018},{"word":"you","start":1329.0,"end":1329.16,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4784594476222992},{"word":"for","start":1329.16,"end":1329.3201,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5185333490371704},{"word":"updating","start":1329.3201,"end":1329.8,"confidence":1.0,"punctuated_word":"updating","sentiment":"positive","sentiment_score":0.5076479911804199},{"word":"that","start":1329.8,"end":1330.3,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.404377281665802},{"word":"obviously","start":1330.76,"end":1331.26,"confidence":0.7805176,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.16013605892658234},{"word":"down","start":1331.3201,"end":1331.56,"confidence":0.94628906,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.10465648025274275},{"word":"at","start":1331.56,"end":1331.72,"confidence":0.8886719,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06974814087152481},{"word":"the","start":1331.72,"end":1331.8,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08804409950971603},{"word":"moment","start":1331.8,"end":1332.2001,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.08489286154508591},{"word":"with","start":1332.2001,"end":1332.36,"confidence":0.9291992,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08784620463848114},{"word":"you","start":1332.36,"end":1332.52,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12891900539398193},{"word":"guys","start":1332.52,"end":1332.825,"confidence":0.9980469,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.16529400646686554},{"word":"trying","start":1332.825,"end":1332.985,"confidence":0.99121094,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.12606343626976013},{"word":"to","start":1332.985,"end":1333.1449,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16201171278953552},{"word":"save","start":1333.1449,"end":1333.3049,"confidence":0.9428711,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.13218553364276886},{"word":"for","start":1333.3049,"end":1333.465,"confidence":0.9589844,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1598164588212967},{"word":"a","start":1333.465,"end":1333.5449,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.164664164185524},{"word":"home","start":1333.5449,"end":1333.945,"confidence":0.9951172,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.1083015352487564},{"word":"deposit","start":1333.945,"end":1334.345,"confidence":1.0,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":0.14620985090732574},{"word":"and","start":1334.345,"end":1334.585,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12889105081558228},{"word":"moving","start":1334.585,"end":1335.085,"confidence":0.7866211,"punctuated_word":"moving,","sentiment":"neutral","sentiment_score":0.1356377899646759},{"word":"additional","start":1335.3049,"end":1335.7849,"confidence":0.99121094,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.10101333260536194},{"word":"contributions","start":1335.7849,"end":1336.2849,"confidence":0.99609375,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.10331708192825316},{"word":"not","start":1336.505,"end":1336.625,"confidence":0.8276367,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1209610104560852},{"word":"might","start":1336.745,"end":1336.9049,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.07532680779695511},{"word":"not","start":1336.9049,"end":1337.065,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.05478092283010483},{"word":"be","start":1337.065,"end":1337.3049,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0993458703160286},{"word":"something","start":1337.3049,"end":1337.625,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.09157779812812804},{"word":"you're","start":1337.625,"end":1337.865,"confidence":0.99365234,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09871786832809448},{"word":"wanting","start":1337.865,"end":1338.1849,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.10396794229745863},{"word":"to","start":1338.1849,"end":1338.2649,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11272589862346648},{"word":"look","start":1338.2649,"end":1338.4249,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13811519742012024},{"word":"at","start":1338.4249,"end":1338.6649,"confidence":0.87280273,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":0.11818869411945344},{"word":"but","start":1338.6649,"end":1338.9049,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.11571621149778366},{"word":"down","start":1338.9049,"end":1339.065,"confidence":0.9941406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08799512684345245},{"word":"the","start":1339.065,"end":1339.225,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0941946655511856},{"word":"track","start":1339.225,"end":1339.5449,"confidence":0.99121094,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.08730194717645645},{"word":"are","start":1339.5449,"end":1339.705,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07281789183616638},{"word":"you","start":1339.705,"end":1339.865,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10512514412403108},{"word":"open","start":1339.865,"end":1340.2649,"confidence":0.99609375,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.08425535261631012},{"word":"to","start":1340.2649,"end":1340.505,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1340811252593994},{"word":"maybe","start":1340.505,"end":1341.005,"confidence":0.9770508,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.15366779267787933},{"word":"considering","start":1341.3049,"end":1341.8049,"confidence":0.9980469,"punctuated_word":"considering","sentiment":"neutral","sentiment_score":0.1289101243019104},{"word":"additional","start":1341.865,"end":1342.345,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.11395961791276932},{"word":"contributions","start":1342.345,"end":1342.845,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.1219318062067032},{"word":"to","start":1342.985,"end":1343.1449,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20990809798240664},{"word":"provide","start":1343.1449,"end":1343.465,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.1771818995475769},{"word":"a","start":1343.465,"end":1343.625,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2036685347557068},{"word":"greater","start":1343.625,"end":1343.865,"confidence":0.99902344,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.15709024667739868},{"word":"boost","start":1343.865,"end":1344.1849,"confidence":0.99902344,"punctuated_word":"boost","sentiment":"neutral","sentiment_score":0.2823306918144226},{"word":"to","start":1344.1849,"end":1344.2649,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2585545778274536},{"word":"your","start":1344.2649,"end":1344.505,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23614639043807983},{"word":"super","start":1344.505,"end":1344.825,"confidence":0.9902344,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3513631820678711},{"word":"for","start":1344.825,"end":1344.985,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25696876645088196},{"word":"that","start":1344.985,"end":1345.225,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1944357305765152},{"word":"retirement","start":1345.225,"end":1345.725,"confidence":0.99902344,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.1600477248430252},{"word":"income","start":1345.7849,"end":1346.1849,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.2197490632534027},{"word":"stream","start":1346.1849,"end":1346.505,"confidence":0.9980469,"punctuated_word":"stream","sentiment":"neutral","sentiment_score":0.17560629546642303},{"word":"at","start":1346.505,"end":1346.6649,"confidence":0.96777344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08762960135936737},{"word":"65","start":1346.6649,"end":1347.45,"confidence":0.99902344,"punctuated_word":"65?","sentiment":"neutral","sentiment_score":0.11385686695575714},{"word":"yep","start":1349.69,"end":1350.01,"confidence":0.68200684,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11549310386180878},{"word":"beautiful","start":1350.01,"end":1350.51,"confidence":0.9941406,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.2982431948184967},{"word":"especially","start":1350.57,"end":1350.97,"confidence":0.9980469,"punctuated_word":"Especially","sentiment":"neutral","sentiment_score":0.20249855518341064},{"word":"being","start":1350.97,"end":1351.21,"confidence":0.8676758,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.1755046397447586},{"word":"as","start":1351.21,"end":1351.45,"confidence":0.77563477,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.17676907777786255},{"word":"you","start":1351.45,"end":1351.5299,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13183847069740295},{"word":"know","start":1351.5299,"end":1351.61,"confidence":0.9904785,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11690777540206908},{"word":"with","start":1351.61,"end":1351.85,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11460138857364656},{"word":"your","start":1351.85,"end":1352.01,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09320835769176485},{"word":"wife","start":1352.01,"end":1352.33,"confidence":1.0,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.06922928243875504},{"word":"not","start":1352.33,"end":1352.57,"confidence":0.9902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.10027889162302016},{"word":"working","start":1352.57,"end":1352.8899,"confidence":0.9758301,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":0.11451156437397005},{"word":"it","start":1352.8899,"end":1353.0499,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10489031672477722},{"word":"looks","start":1353.0499,"end":1353.2899,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.130387544631958},{"word":"like","start":1353.2899,"end":1353.5299,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1561271846294403},{"word":"your","start":1353.5299,"end":1353.7699,"confidence":0.9760742,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13834136724472046},{"word":"super","start":1353.7699,"end":1354.09,"confidence":0.9223633,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.22031888365745544},{"word":"is","start":1354.09,"end":1354.1699,"confidence":0.9223633,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1791989505290985},{"word":"gonna","start":1354.1699,"end":1354.49,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2241334617137909},{"word":"be","start":1354.49,"end":1354.6499,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.198784202337265},{"word":"the","start":1354.6499,"end":1354.73,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18030007183551788},{"word":"main","start":1354.73,"end":1355.23,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.20024406909942627},{"word":"retirement","start":1355.37,"end":1355.87,"confidence":0.66259766,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.17077144980430603},{"word":"income","start":1356.09,"end":1356.49,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.18880729377269745},{"word":"stream","start":1356.49,"end":1356.73,"confidence":0.99902344,"punctuated_word":"stream","sentiment":"neutral","sentiment_score":0.20135968923568728},{"word":"that","start":1356.73,"end":1356.8899,"confidence":0.93408203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18545350432395935},{"word":"you","start":1356.8899,"end":1357.0499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18450823426246643},{"word":"would","start":1357.0499,"end":1357.21,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.18174777925014496},{"word":"have","start":1357.21,"end":1357.37,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1918434351682663},{"word":"to","start":1357.37,"end":1357.5299,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19684430956840515},{"word":"focus","start":1357.5299,"end":1357.85,"confidence":1.0,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.16958309710025787},{"word":"on","start":1357.85,"end":1358.09,"confidence":0.99560547,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.1530979871749878},{"word":"am","start":1358.09,"end":1358.25,"confidence":1.0,"punctuated_word":"Am","sentiment":"neutral","sentiment_score":0.04189687594771385},{"word":"i","start":1358.25,"end":1358.4099,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06066503748297691},{"word":"right","start":1358.4099,"end":1358.6499,"confidence":0.8720703,"punctuated_word":"right,","sentiment":"neutral","sentiment_score":0.05732623487710953},{"word":"or","start":1358.6499,"end":1358.8099,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.029578249901533127},{"word":"does","start":1358.8099,"end":1358.97,"confidence":0.9951172,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.03792314976453781},{"word":"your","start":1358.97,"end":1359.2899,"confidence":0.9707031,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03456954285502434},{"word":"wife","start":1359.2899,"end":1359.5299,"confidence":0.99902344,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.04365422949194908},{"word":"have","start":1359.5299,"end":1359.69,"confidence":0.99121094,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.042842961847782135},{"word":"something","start":1359.69,"end":1360.01,"confidence":0.9980469,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.05670350044965744},{"word":"to","start":1360.01,"end":1360.09,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05826567858457565},{"word":"fall","start":1360.09,"end":1360.33,"confidence":0.99902344,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":0.04918898642063141},{"word":"back","start":1360.33,"end":1360.49,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.07966826856136322},{"word":"on","start":1360.49,"end":1360.99,"confidence":0.99902344,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":0.04316356033086777},{"word":"no","start":1362.905,"end":1363.405,"confidence":0.9641113,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06006797403097153},{"word":"that's","start":1364.265,"end":1364.665,"confidence":0.9946289,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.021772529929876328},{"word":"okay","start":1364.665,"end":1365.165,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.10522978007793428},{"word":"that's","start":1365.3049,"end":1365.625,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.16131266951560974},{"word":"okay","start":1365.625,"end":1366.105,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1926620602607727},{"word":"it's","start":1366.105,"end":1366.265,"confidence":0.9448242,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.20262035727500916},{"word":"not","start":1366.265,"end":1366.505,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.20332589745521543},{"word":"a","start":1366.505,"end":1366.585,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19485169649124143},{"word":"problem","start":1366.585,"end":1366.905,"confidence":1.0,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.15164773166179657},{"word":"we","start":1366.905,"end":1367.065,"confidence":1.0,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.5653086304664612},{"word":"can","start":1367.065,"end":1367.225,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6467959880828857},{"word":"certainly","start":1367.225,"end":1367.625,"confidence":0.9970703,"punctuated_word":"certainly","sentiment":"positive","sentiment_score":0.658667802810669},{"word":"look","start":1367.625,"end":1367.785,"confidence":0.99902344,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.4937284588813782},{"word":"to","start":1367.785,"end":1367.865,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5651964545249939},{"word":"help","start":1367.865,"end":1368.105,"confidence":0.99902344,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.6891991496086121},{"word":"you","start":1368.105,"end":1368.1849,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7131834030151367},{"word":"there","start":1368.1849,"end":1368.4249,"confidence":0.9946289,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.7361006736755371},{"word":"i","start":1368.4249,"end":1368.585,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5909954309463501},{"word":"wanna","start":1368.585,"end":1368.825,"confidence":1.0,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.664871335029602},{"word":"make","start":1368.825,"end":1368.985,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.6307615637779236},{"word":"sure","start":1368.985,"end":1369.225,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.7027994394302368},{"word":"you","start":1369.225,"end":1369.3049,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7509385347366333},{"word":"guys","start":1369.3049,"end":1369.625,"confidence":0.9980469,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.7670971751213074},{"word":"do","start":1369.625,"end":1369.785,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.7532384395599365},{"word":"enjoy","start":1369.785,"end":1370.025,"confidence":1.0,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.7785674929618835},{"word":"your","start":1370.025,"end":1370.345,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8197617530822754},{"word":"retirement","start":1370.345,"end":1370.665,"confidence":0.9892578,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.7445287108421326},{"word":"when","start":1370.665,"end":1370.905,"confidence":0.9316406,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.6749918460845947},{"word":"you","start":1370.905,"end":1370.985,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6948089599609375},{"word":"get","start":1370.985,"end":1371.225,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.656787633895874},{"word":"to","start":1371.225,"end":1371.3049,"confidence":0.9921875,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7089481353759766},{"word":"that","start":1371.3049,"end":1371.465,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6546453237533569},{"word":"point","start":1371.465,"end":1371.785,"confidence":0.99365234,"punctuated_word":"point.","sentiment":"positive","sentiment_score":0.5457448959350586},{"word":"you","start":1371.785,"end":1372.105,"confidence":0.9902344,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4824581742286682},{"word":"are","start":1372.105,"end":1372.265,"confidence":0.9536133,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.38357919454574585},{"word":"still","start":1372.265,"end":1372.585,"confidence":0.93115234,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4190532863140106},{"word":"young","start":1372.585,"end":1372.825,"confidence":1.0,"punctuated_word":"young","sentiment":"positive","sentiment_score":0.4414416551589966},{"word":"enough","start":1372.825,"end":1373.065,"confidence":0.99902344,"punctuated_word":"enough","sentiment":"positive","sentiment_score":0.4937702417373657},{"word":"to","start":1373.065,"end":1373.385,"confidence":0.7492676,"punctuated_word":"to,","sentiment":"positive","sentiment_score":0.43840447068214417},{"word":"you","start":1373.385,"end":1373.625,"confidence":0.94628906,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39012610912323},{"word":"know","start":1373.625,"end":1373.865,"confidence":0.98413086,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.3871523439884186},{"word":"to","start":1373.865,"end":1374.025,"confidence":0.9921875,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4693358540534973},{"word":"work","start":1374.025,"end":1374.265,"confidence":0.9980469,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.48896151781082153},{"word":"hard","start":1374.265,"end":1374.505,"confidence":0.9506836,"punctuated_word":"hard","sentiment":"positive","sentiment_score":0.5779295563697815},{"word":"and","start":1374.505,"end":1374.585,"confidence":0.99609375,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5305508375167847},{"word":"build","start":1374.585,"end":1374.905,"confidence":1.0,"punctuated_word":"build","sentiment":"positive","sentiment_score":0.6347904205322266},{"word":"that","start":1374.905,"end":1375.2,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5574274659156799},{"word":"retirement","start":1375.6799,"end":1376.1599,"confidence":0.99316406,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.4510346055030823},{"word":"income","start":1376.1599,"end":1376.5599,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.6220249533653259},{"word":"stream","start":1376.5599,"end":1376.96,"confidence":1.0,"punctuated_word":"stream","sentiment":"positive","sentiment_score":0.6622005105018616},{"word":"up","start":1376.96,"end":1377.44,"confidence":0.9975586,"punctuated_word":"up.","sentiment":"positive","sentiment_score":0.5403355360031128},{"word":"i","start":1377.44,"end":1377.6,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18119174242019653},{"word":"had","start":1377.6,"end":1377.84,"confidence":0.9863281,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.12272220849990843},{"word":"your","start":1377.84,"end":1378.0,"confidence":0.98535156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12897078692913055},{"word":"goal","start":1378.0,"end":1378.32,"confidence":0.9970703,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.22317489981651303},{"word":"of","start":1378.32,"end":1378.5599,"confidence":0.6713867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21545544266700745},{"word":"65","start":1378.5599,"end":1379.2799,"confidence":0.99902344,"punctuated_word":"65","sentiment":"neutral","sentiment_score":0.2728346288204193},{"word":"for","start":1379.2799,"end":1379.44,"confidence":0.93115234,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1879393309354782},{"word":"accessing","start":1379.44,"end":1379.94,"confidence":0.9980469,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.21399039030075073},{"word":"super","start":1380.0,"end":1380.3999,"confidence":0.8937988,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.25241413712501526},{"word":"is","start":1380.3999,"end":1380.5599,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.04734107106924057},{"word":"that","start":1380.5599,"end":1380.7999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09110938012599944},{"word":"still","start":1380.7999,"end":1381.12,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06593917310237885},{"word":"fairly","start":1381.12,"end":1381.44,"confidence":0.99902344,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.09334082156419754},{"word":"accurate","start":1381.44,"end":1381.84,"confidence":0.9555664,"punctuated_word":"accurate,","sentiment":"neutral","sentiment_score":0.04046828672289848},{"word":"do","start":1381.84,"end":1382.0,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.01885341852903366},{"word":"you","start":1382.0,"end":1382.08,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01277395710349083},{"word":"think","start":1382.08,"end":1382.32,"confidence":0.8132324,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.007951730862259865},{"word":"or","start":1382.32,"end":1382.5599,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.003273695707321167},{"word":"would","start":1382.5599,"end":1382.72,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.002107243984937668},{"word":"you","start":1382.72,"end":1382.88,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03195952996611595},{"word":"be","start":1382.88,"end":1383.0399,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.015472009778022766},{"word":"wanting","start":1383.0399,"end":1383.36,"confidence":0.9970703,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.02091563120484352},{"word":"to","start":1383.36,"end":1383.44,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025411047041416168},{"word":"retire","start":1383.44,"end":1383.9199,"confidence":1.0,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.05928380787372589},{"word":"earlier","start":1383.9199,"end":1384.4199,"confidence":0.9951172,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":-0.004401221871376038},{"word":"or","start":1384.48,"end":1384.6399,"confidence":0.9550781,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.009998619556427002},{"word":"later","start":1384.6399,"end":1385.0399,"confidence":1.0,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.015158101916313171},{"word":"or","start":1385.0399,"end":1385.2,"confidence":0.94921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.022701852023601532},{"word":"not","start":1385.2,"end":1385.44,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0530235692858696},{"word":"really","start":1385.44,"end":1385.6799,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.049432892352342606},{"word":"sure","start":1385.6799,"end":1386.1799,"confidence":0.9980469,"punctuated_word":"sure?","sentiment":"neutral","sentiment_score":-0.010300032794475555},{"word":"yep","start":1389.44,"end":1389.94,"confidence":0.9782715,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05046467483043671},{"word":"that's","start":1390.1599,"end":1390.365,"confidence":0.984375,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.20706646144390103},{"word":"okay","start":1390.605,"end":1391.105,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2027445137500763},{"word":"that's","start":1395.885,"end":1396.285,"confidence":0.98657227,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1658598631620407},{"word":"okay","start":1396.285,"end":1396.605,"confidence":0.99853516,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2566105127334595},{"word":"are","start":1396.605,"end":1396.765,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.2163485884666443},{"word":"you","start":1396.765,"end":1397.005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2720297574996948},{"word":"happy","start":1397.005,"end":1397.245,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.3218326270580292},{"word":"with","start":1397.245,"end":1397.485,"confidence":0.9980469,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3591674566268921},{"word":"me","start":1397.485,"end":1397.645,"confidence":0.96777344,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.3456818759441376},{"word":"utilizing","start":1397.645,"end":1398.145,"confidence":0.97509766,"punctuated_word":"utilizing","sentiment":"positive","sentiment_score":0.3473888039588928},{"word":"65","start":1398.285,"end":1398.925,"confidence":1.0,"punctuated_word":"65","sentiment":"positive","sentiment_score":0.4075062870979309},{"word":"as","start":1398.925,"end":1399.085,"confidence":0.84472656,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2904910147190094},{"word":"your","start":1399.085,"end":1399.245,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2559506297111511},{"word":"goal","start":1399.245,"end":1399.485,"confidence":0.9951172,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.31514668464660645},{"word":"for","start":1399.485,"end":1399.645,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2759295403957367},{"word":"the","start":1399.645,"end":1399.8049,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26666349172592163},{"word":"time","start":1399.8049,"end":1400.045,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.27630138397216797},{"word":"being","start":1400.045,"end":1400.205,"confidence":0.72424316,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":0.2827330231666565},{"word":"and","start":1400.205,"end":1400.365,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.270560085773468},{"word":"then","start":1400.365,"end":1400.525,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.25689905881881714},{"word":"we","start":1400.525,"end":1400.6849,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.29518064856529236},{"word":"can","start":1400.6849,"end":1400.845,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3557049632072449},{"word":"kinda","start":1400.845,"end":1401.165,"confidence":0.88427734,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.3487582802772522},{"word":"build","start":1401.165,"end":1401.485,"confidence":0.9970703,"punctuated_word":"build","sentiment":"positive","sentiment_score":0.3717018663883209},{"word":"on","start":1401.485,"end":1401.565,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3723319470882416},{"word":"that","start":1401.565,"end":1401.8049,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33977654576301575},{"word":"down","start":1401.8049,"end":1401.965,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.3079928755760193},{"word":"the","start":1401.965,"end":1402.205,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28826475143432617},{"word":"track","start":1402.205,"end":1402.705,"confidence":0.9758301,"punctuated_word":"track?","sentiment":"neutral","sentiment_score":0.23861223459243777},{"word":"yeah","start":1404.26,"end":1404.76,"confidence":0.80615234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2756696939468384},{"word":"beautiful","start":1404.82,"end":1405.32,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5964555144309998},{"word":"excellent","start":1405.46,"end":1405.96,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6448489427566528},{"word":"and","start":1407.22,"end":1407.62,"confidence":0.6816406,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4543101489543915},{"word":"just","start":1407.62,"end":1407.86,"confidence":0.7241211,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4398404657840729},{"word":"i've","start":1407.94,"end":1408.1,"confidence":1.0,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.4045485258102417},{"word":"also","start":1408.1,"end":1408.4199,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.31695058941841125},{"word":"noted","start":1408.4199,"end":1408.66,"confidence":0.96875,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.2848508656024933},{"word":"your","start":1408.66,"end":1408.82,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2544812858104706},{"word":"goal","start":1408.82,"end":1409.0599,"confidence":0.9980469,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.30513209104537964},{"word":"here","start":1409.0599,"end":1409.22,"confidence":0.9980469,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.3800078332424164},{"word":"that","start":1409.22,"end":1409.38,"confidence":0.9428711,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3334827125072479},{"word":"you","start":1409.38,"end":1409.54,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3021416962146759},{"word":"are","start":1409.54,"end":1409.7,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2798060178756714},{"word":"looking","start":1409.7,"end":1410.02,"confidence":1.0,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.34735003113746643},{"word":"to","start":1410.02,"end":1410.34,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3970978856086731},{"word":"purchase","start":1410.34,"end":1410.74,"confidence":0.9970703,"punctuated_word":"purchase","sentiment":"positive","sentiment_score":0.34656035900115967},{"word":"your","start":1410.74,"end":1410.98,"confidence":0.96972656,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3403615951538086},{"word":"a","start":1411.0599,"end":1411.22,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35686272382736206},{"word":"home","start":1411.22,"end":1411.54,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.2362602949142456},{"word":"in","start":1411.54,"end":1411.7,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3633493185043335},{"word":"the","start":1411.7,"end":1411.78,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.33329012989997864},{"word":"future","start":1411.78,"end":1412.1799,"confidence":1.0,"punctuated_word":"future","sentiment":"positive","sentiment_score":0.335378497838974},{"word":"there","start":1412.1799,"end":1412.4199,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.27271947264671326},{"word":"as","start":1412.4199,"end":1412.58,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27008894085884094},{"word":"well","start":1412.58,"end":1413.08,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2378387749195099},{"word":"i've","start":1413.62,"end":1413.94,"confidence":0.9790039,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.08151714503765106},{"word":"also","start":1413.94,"end":1414.44,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.03433079272508621},{"word":"got","start":1414.5,"end":1414.82,"confidence":0.98535156,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0292796827852726},{"word":"down","start":1414.82,"end":1415.14,"confidence":0.99316406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.043340593576431274},{"word":"here","start":1415.14,"end":1415.54,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.050249435007572174},{"word":"that","start":1415.54,"end":1415.78,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.025563638657331467},{"word":"your","start":1415.78,"end":1416.02,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02126394584774971},{"word":"assets","start":1416.1,"end":1416.5,"confidence":0.7290039,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.02617279067635536},{"word":"wise","start":1416.5,"end":1416.82,"confidence":0.8051758,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.03692862391471863},{"word":"your","start":1416.82,"end":1417.0599,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.027327600866556168},{"word":"cars","start":1417.0599,"end":1417.5599,"confidence":0.96191406,"punctuated_word":"cars,","sentiment":"neutral","sentiment_score":0.03480610251426697},{"word":"they","start":1417.965,"end":1418.205,"confidence":0.99121094,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.022433333098888397},{"word":"had","start":1418.205,"end":1418.365,"confidence":0.984375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.02357948198914528},{"word":"a","start":1418.365,"end":1418.605,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03940039128065109},{"word":"combined","start":1418.605,"end":1419.005,"confidence":1.0,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":0.0439295619726181},{"word":"value","start":1419.005,"end":1419.405,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.03238251432776451},{"word":"of","start":1419.405,"end":1419.565,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06521114706993103},{"word":"60,000","start":1419.565,"end":1420.365,"confidence":0.930542,"punctuated_word":"60,000.","sentiment":"neutral","sentiment_score":0.06280766427516937},{"word":"if","start":1420.365,"end":1420.445,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.01464112102985382},{"word":"you","start":1420.445,"end":1420.605,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006526961922645569},{"word":"think","start":1420.605,"end":1420.765,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.004023440182209015},{"word":"about","start":1420.765,"end":1421.005,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0007300339639186859},{"word":"the","start":1421.005,"end":1421.1649,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.003975212574005127},{"word":"two","start":1421.1649,"end":1421.325,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.0011636577546596527},{"word":"vehicles","start":1421.325,"end":1421.725,"confidence":0.984375,"punctuated_word":"vehicles","sentiment":"neutral","sentiment_score":0.02063874527812004},{"word":"that","start":1421.725,"end":1421.885,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0029563531279563904},{"word":"you","start":1421.885,"end":1421.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0114687941968441},{"word":"have","start":1421.965,"end":1422.125,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.011884573847055435},{"word":"at","start":1422.125,"end":1422.285,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.007018432021141052},{"word":"the","start":1422.285,"end":1422.365,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01560721918940544},{"word":"moment","start":1422.365,"end":1422.845,"confidence":0.9921875,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.012802796438336372},{"word":"would","start":1422.845,"end":1423.085,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.00818098708987236},{"word":"you","start":1423.085,"end":1423.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00950387492775917},{"word":"still","start":1423.325,"end":1423.645,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.005825649946928024},{"word":"value","start":1423.645,"end":1423.965,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.03471393883228302},{"word":"them","start":1423.965,"end":1424.205,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.022324413061141968},{"word":"about","start":1424.205,"end":1424.445,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.007591884583234787},{"word":"that","start":1424.445,"end":1424.6849,"confidence":0.82910156,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0005056113004684448},{"word":"or","start":1424.6849,"end":1424.845,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.028791163116693497},{"word":"would","start":1424.845,"end":1425.005,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.01809750497341156},{"word":"you","start":1425.005,"end":1425.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0026975125074386597},{"word":"alter","start":1425.245,"end":1425.485,"confidence":0.9892578,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":-0.016793854534626007},{"word":"or","start":1425.485,"end":1425.645,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.026210948824882507},{"word":"change","start":1425.645,"end":1425.965,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.016701020300388336},{"word":"that","start":1425.965,"end":1426.125,"confidence":0.9838867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02235635742545128},{"word":"valuation","start":1426.125,"end":1426.625,"confidence":0.9941406,"punctuated_word":"valuation?","sentiment":"neutral","sentiment_score":-0.030702047049999237},{"word":"yeah","start":1430.9249,"end":1431.33,"confidence":0.7347412,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06204944849014282},{"word":"beautiful","start":1431.49,"end":1431.8099,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.19617438316345215},{"word":"and","start":1431.8099,"end":1431.97,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.056801170110702515},{"word":"how","start":1431.97,"end":1432.13,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.033735744655132294},{"word":"much","start":1432.13,"end":1432.37,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.05219655483961105},{"word":"rent","start":1432.37,"end":1432.5299,"confidence":0.9790039,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":0.08065623790025711},{"word":"are","start":1432.5299,"end":1432.7699,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04524694383144379},{"word":"you","start":1432.7699,"end":1432.85,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.062306106090545654},{"word":"paying","start":1432.85,"end":1433.1699,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.039826299995183945},{"word":"at","start":1433.1699,"end":1433.25,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.017243020236492157},{"word":"the","start":1433.25,"end":1433.4099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027780704200267792},{"word":"moment","start":1433.4099,"end":1433.9099,"confidence":1.0,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.04041926562786102},{"word":"$7.50","start":1437.33,"end":1438.0499,"confidence":0.9980469,"punctuated_word":"$7.50","sentiment":"neutral","sentiment_score":0.027690496295690536},{"word":"per","start":1438.0499,"end":1438.2899,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.04752830043435097},{"word":"week","start":1438.2899,"end":1438.7699,"confidence":0.9946289,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.04787162691354752},{"word":"beautiful","start":1438.7699,"end":1439.2699,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.17577926814556122},{"word":"do","start":1439.89,"end":1440.0499,"confidence":0.6513672,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.011075682938098907},{"word":"you","start":1440.0499,"end":1440.21,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02797301486134529},{"word":"both","start":1440.21,"end":1440.5299,"confidence":0.99316406,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.009599007666110992},{"word":"have","start":1440.5299,"end":1440.85,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.011843714863061903},{"word":"contents","start":1440.85,"end":1441.35,"confidence":0.86279297,"punctuated_word":"contents","sentiment":"neutral","sentiment_score":0.016626276075839996},{"word":"insurance","start":1441.4099,"end":1441.9099,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.004619576036930084},{"word":"for","start":1442.61,"end":1442.85,"confidence":0.9482422,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02474532090127468},{"word":"the","start":1442.85,"end":1443.01,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014478692784905434},{"word":"contents","start":1443.01,"end":1443.51,"confidence":0.9560547,"punctuated_word":"contents","sentiment":"neutral","sentiment_score":-0.003194741904735565},{"word":"within","start":1443.6499,"end":1444.0499,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.003239676356315613},{"word":"the","start":1444.0499,"end":1444.2899,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0239124596118927},{"word":"rental","start":1444.2899,"end":1444.69,"confidence":1.0,"punctuated_word":"rental","sentiment":"neutral","sentiment_score":0.019645728170871735},{"word":"home","start":1444.69,"end":1445.19,"confidence":0.9980469,"punctuated_word":"home?","sentiment":"neutral","sentiment_score":0.001035468652844429},{"word":"not","start":1449.8049,"end":1450.0449,"confidence":0.7128906,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.06386199593544006},{"word":"sure","start":1450.0449,"end":1450.5449,"confidence":0.9707031,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.05393873527646065},{"word":"that's","start":1453.965,"end":1454.2849,"confidence":0.9951172,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.019406050443649292},{"word":"okay","start":1454.2849,"end":1454.6849,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08537140488624573},{"word":"that's","start":1454.6849,"end":1454.9249,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12304772436618804},{"word":"not","start":1454.9249,"end":1455.1649,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.11463533341884612},{"word":"a","start":1455.1649,"end":1455.245,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08850816637277603},{"word":"problem","start":1455.245,"end":1455.6449,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.07854874432086945},{"word":"at","start":1455.6449,"end":1455.8049,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11949067562818529},{"word":"all","start":1455.8049,"end":1456.3049,"confidence":0.99902344,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.10148145258426666},{"word":"even","start":1456.445,"end":1456.605,"confidence":0.97802734,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":0.024746455252170563},{"word":"though","start":1456.605,"end":1456.845,"confidence":0.99902344,"punctuated_word":"though","sentiment":"neutral","sentiment_score":-0.02826032042503357},{"word":"you","start":1456.845,"end":1457.005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00799783319234848},{"word":"are","start":1457.005,"end":1457.1649,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.010582387447357178},{"word":"renting","start":1457.1649,"end":1457.565,"confidence":0.9428711,"punctuated_word":"renting,","sentiment":"neutral","sentiment_score":0.010862857103347778},{"word":"realistically","start":1457.565,"end":1458.065,"confidence":0.92944336,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.0038230072241276503},{"word":"contents","start":1458.205,"end":1458.6849,"confidence":0.9633789,"punctuated_word":"contents","sentiment":"neutral","sentiment_score":-0.05979729443788528},{"word":"insurance","start":1458.6849,"end":1459.085,"confidence":0.9760742,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.015749812126159668},{"word":"is","start":1459.085,"end":1459.1649,"confidence":0.9892578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.000991635024547577},{"word":"something","start":1459.1649,"end":1459.565,"confidence":0.9921875,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.01765379309654236},{"word":"to","start":1459.565,"end":1459.725,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0291762575507164},{"word":"consider","start":1459.725,"end":1460.225,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.0004594698548316955},{"word":"because","start":1460.2849,"end":1460.7849,"confidence":0.5292969,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.034896932542324066},{"word":"if","start":1460.9501,"end":1461.11,"confidence":0.9550781,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.00244690477848053},{"word":"something","start":1461.11,"end":1461.27,"confidence":0.99121094,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.011420369148254396},{"word":"was","start":1461.27,"end":1461.43,"confidence":0.94140625,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.007984936237335205},{"word":"to","start":1461.43,"end":1461.67,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0042151957750320435},{"word":"happen","start":1461.67,"end":1461.91,"confidence":0.98095703,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.05608051270246506},{"word":"to","start":1461.91,"end":1462.0701,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06638433784246445},{"word":"the","start":1462.0701,"end":1462.23,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03401047736406326},{"word":"property","start":1462.23,"end":1462.63,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.03957025706768036},{"word":"while","start":1462.63,"end":1462.87,"confidence":0.7895508,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.007982328534126282},{"word":"the","start":1462.87,"end":1463.03,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0175851508975029},{"word":"owner","start":1463.03,"end":1463.3501,"confidence":0.9980469,"punctuated_word":"owner","sentiment":"neutral","sentiment_score":0.0026672258973121643},{"word":"needs","start":1463.3501,"end":1463.5901,"confidence":0.9873047,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.019835196435451508},{"word":"to","start":1463.5901,"end":1463.75,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0104227215051651},{"word":"obviously","start":1463.75,"end":1464.15,"confidence":0.84228516,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.042292289435863495},{"word":"factor","start":1464.15,"end":1464.55,"confidence":0.9873047,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":-0.002661474049091339},{"word":"in","start":1464.55,"end":1464.87,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.002113349735736847},{"word":"the","start":1464.87,"end":1465.37,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013277113437652588},{"word":"the","start":1465.51,"end":1466.01,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.022333547472953796},{"word":"cost","start":1466.23,"end":1466.4701,"confidence":0.84814453,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.03840727359056473},{"word":"of","start":1466.4701,"end":1466.7101,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05986534059047699},{"word":"replacing","start":1466.7101,"end":1467.1901,"confidence":1.0,"punctuated_word":"replacing","sentiment":"neutral","sentiment_score":-0.06051535904407501},{"word":"or","start":1467.1901,"end":1467.6901,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06872648745775223},{"word":"rebuilding","start":1467.75,"end":1468.25,"confidence":0.99902344,"punctuated_word":"rebuilding","sentiment":"neutral","sentiment_score":-0.04838946461677551},{"word":"the","start":1468.39,"end":1468.63,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.050994373857975006},{"word":"home","start":1468.63,"end":1469.13,"confidence":0.92285156,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":-0.0079660564661026},{"word":"everything","start":1469.75,"end":1470.15,"confidence":0.82958984,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.0015764832496643066},{"word":"inside","start":1470.15,"end":1470.63,"confidence":1.0,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":-0.02843617647886276},{"word":"the","start":1470.63,"end":1470.79,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00006692856550216675},{"word":"home","start":1470.79,"end":1471.03,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.00645359605550766},{"word":"that","start":1471.03,"end":1471.27,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02667283266782761},{"word":"you","start":1471.27,"end":1471.5901,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025480464100837708},{"word":"own","start":1471.5901,"end":1471.99,"confidence":0.9980469,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.0016224682331085205},{"word":"and","start":1471.99,"end":1472.23,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03479727357625961},{"word":"pay","start":1472.23,"end":1472.55,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.058952465653419495},{"word":"for","start":1472.55,"end":1472.79,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07492060959339142},{"word":"is","start":1472.79,"end":1473.1901,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04586801677942276},{"word":"still","start":1473.1901,"end":1473.51,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.04821716994047165},{"word":"considered","start":1473.51,"end":1474.01,"confidence":0.9885254,"punctuated_word":"considered,","sentiment":"neutral","sentiment_score":0.012227382510900496},{"word":"you","start":1474.205,"end":1474.285,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00695221871137619},{"word":"know","start":1474.285,"end":1474.525,"confidence":0.99609375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0008497908711433411},{"word":"content","start":1474.525,"end":1474.925,"confidence":0.5986328,"punctuated_word":"content","sentiment":"neutral","sentiment_score":-0.0016944631934165957},{"word":"and","start":1474.925,"end":1475.085,"confidence":0.78271484,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0033833831548690796},{"word":"still","start":1475.085,"end":1475.245,"confidence":0.98535156,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.011710599064826964},{"word":"considered","start":1475.245,"end":1475.725,"confidence":0.98291016,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":-0.03892914950847626},{"word":"an","start":1475.725,"end":1475.805,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.026186972856521606},{"word":"asset","start":1475.805,"end":1476.205,"confidence":1.0,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.015124566853046416},{"word":"and","start":1476.205,"end":1476.365,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.031890422105789185},{"word":"would","start":1476.365,"end":1476.605,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.024278782308101658},{"word":"need","start":1476.605,"end":1476.765,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.017278149724006653},{"word":"to","start":1476.765,"end":1476.925,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.022290654480457302},{"word":"be","start":1476.925,"end":1477.085,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.033438704907894135},{"word":"replaced","start":1477.085,"end":1477.485,"confidence":0.9567871,"punctuated_word":"replaced,","sentiment":"neutral","sentiment_score":-0.04243074357509613},{"word":"which","start":1477.485,"end":1477.645,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.06456775963306427},{"word":"could","start":1477.645,"end":1477.805,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.12560229003429413},{"word":"be","start":1477.805,"end":1477.965,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09782266616821288},{"word":"an","start":1477.965,"end":1478.125,"confidence":0.97998047,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.11849980801343918},{"word":"additional","start":1478.125,"end":1478.445,"confidence":0.99902344,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.07291124761104584},{"word":"con","start":1478.445,"end":1478.765,"confidence":0.1854248,"punctuated_word":"con","sentiment":"neutral","sentiment_score":-0.11689615994691847},{"word":"a","start":1479.085,"end":1479.165,"confidence":0.48291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07100912183523178},{"word":"cost","start":1479.165,"end":1479.485,"confidence":0.9951172,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.04619763046503067},{"word":"to","start":1479.485,"end":1479.565,"confidence":0.95166016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.030554719269275665},{"word":"yourself","start":1479.565,"end":1480.065,"confidence":0.98046875,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":-0.06677675992250443},{"word":"so","start":1480.685,"end":1480.845,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06508012115955353},{"word":"it","start":1480.845,"end":1481.005,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12596099078655243},{"word":"is","start":1481.005,"end":1481.165,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1430874913930893},{"word":"definitely","start":1481.165,"end":1481.565,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.18904340267181396},{"word":"worth","start":1481.565,"end":1481.805,"confidence":0.9980469,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.11357564479112624},{"word":"looking","start":1481.805,"end":1482.045,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.14308121800422668},{"word":"at","start":1482.045,"end":1482.285,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12852387130260468},{"word":"maybe","start":1482.285,"end":1482.525,"confidence":0.92089844,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.21604011952877045},{"word":"having","start":1482.525,"end":1482.845,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2017933428287506},{"word":"contents","start":1482.845,"end":1483.325,"confidence":0.7211914,"punctuated_word":"contents","sentiment":"neutral","sentiment_score":0.15871357917785645},{"word":"insurance","start":1483.325,"end":1483.805,"confidence":0.98095703,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.15577304363250732},{"word":"to","start":1483.805,"end":1483.965,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1164548397064209},{"word":"protect","start":1483.965,"end":1484.365,"confidence":0.9980469,"punctuated_word":"protect","sentiment":"neutral","sentiment_score":0.03805167227983475},{"word":"everything","start":1484.365,"end":1484.765,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.20464619994163513},{"word":"you","start":1484.765,"end":1485.005,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16371946036815643},{"word":"guys","start":1485.005,"end":1485.405,"confidence":0.9980469,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.14777624607086182},{"word":"have","start":1485.405,"end":1485.565,"confidence":0.9194336,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17701485753059387},{"word":"and","start":1485.565,"end":1485.805,"confidence":0.9482422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12832090258598328},{"word":"own","start":1485.805,"end":1486.305,"confidence":0.9975586,"punctuated_word":"own.","sentiment":"neutral","sentiment_score":0.12274975329637527},{"word":"yeah","start":1486.525,"end":1487.025,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08472716808319092},{"word":"that's","start":1488.36,"end":1488.6,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13131028413772583},{"word":"okay","start":1488.6,"end":1489.08,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.14458273351192474},{"word":"do","start":1489.08,"end":1489.32,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.07301536202430725},{"word":"you","start":1489.32,"end":1489.48,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08928195387125015},{"word":"have","start":1489.48,"end":1489.72,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06712568551301956},{"word":"any","start":1489.72,"end":1489.96,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06948259472846985},{"word":"other","start":1489.96,"end":1490.2,"confidence":0.99609375,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.05812334269285202},{"word":"assets","start":1490.2,"end":1490.52,"confidence":0.9941406,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.060771215707063675},{"word":"you'd","start":1490.52,"end":1490.84,"confidence":0.93066406,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.08603831380605698},{"word":"note","start":1490.84,"end":1491.16,"confidence":0.9667969,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.08701899647712708},{"word":"down","start":1491.16,"end":1491.4,"confidence":0.7873535,"punctuated_word":"down?","sentiment":"neutral","sentiment_score":0.07841525226831436},{"word":"any","start":1491.4,"end":1491.64,"confidence":1.0,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.06435832381248474},{"word":"other","start":1491.64,"end":1491.88,"confidence":0.9975586,"punctuated_word":"other,","sentiment":"neutral","sentiment_score":0.04712757468223572},{"word":"you","start":1491.88,"end":1491.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0426049530506134},{"word":"know","start":1491.96,"end":1492.2,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05093830078840256},{"word":"shares","start":1492.2,"end":1492.68,"confidence":0.9753418,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.061177439987659454},{"word":"cryptocurrency","start":1492.68,"end":1493.18,"confidence":0.8208008,"punctuated_word":"cryptocurrency,","sentiment":"neutral","sentiment_score":0.06777828931808472},{"word":"collections","start":1493.72,"end":1494.22,"confidence":0.9304199,"punctuated_word":"collections,","sentiment":"neutral","sentiment_score":0.0639152079820633},{"word":"anything","start":1494.44,"end":1494.84,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.1224856823682785},{"word":"else","start":1494.84,"end":1495.16,"confidence":0.99902344,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.10275386273860931},{"word":"of","start":1495.16,"end":1495.32,"confidence":0.94140625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06250905990600586},{"word":"value","start":1495.32,"end":1495.82,"confidence":0.99609375,"punctuated_word":"value?","sentiment":"neutral","sentiment_score":0.06065932288765907},{"word":"no","start":1499.24,"end":1499.48,"confidence":0.9975586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08562277257442474},{"word":"that's","start":1499.48,"end":1499.88,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.03892724961042404},{"word":"okay","start":1499.88,"end":1500.38,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.013968193903565409},{"word":"do","start":1500.995,"end":1501.155,"confidence":0.9550781,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.0255808737128973},{"word":"you","start":1501.155,"end":1501.3151,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01831194944679737},{"word":"have","start":1501.3151,"end":1501.4751,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02151908539235592},{"word":"any","start":1501.4751,"end":1501.795,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.027325700968503952},{"word":"large","start":1501.795,"end":1502.115,"confidence":0.9980469,"punctuated_word":"large","sentiment":"neutral","sentiment_score":-0.038882263004779816},{"word":"debts","start":1502.115,"end":1502.435,"confidence":0.9658203,"punctuated_word":"debts,","sentiment":"neutral","sentiment_score":-0.03887012600898743},{"word":"personal","start":1502.435,"end":1502.755,"confidence":0.9951172,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.049252402037382126},{"word":"loans","start":1502.755,"end":1503.0751,"confidence":0.98583984,"punctuated_word":"loans,","sentiment":"neutral","sentiment_score":-0.06922756135463715},{"word":"credit","start":1503.0751,"end":1503.4751,"confidence":1.0,"punctuated_word":"credit","sentiment":"neutral","sentiment_score":-0.06483142077922821},{"word":"cards","start":1503.4751,"end":1503.7151,"confidence":0.9650879,"punctuated_word":"cards,","sentiment":"neutral","sentiment_score":-0.03950092941522598},{"word":"or","start":1503.7151,"end":1503.875,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.045905690640211105},{"word":"any","start":1503.875,"end":1504.115,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.03790486603975296},{"word":"other","start":1504.115,"end":1504.3551,"confidence":0.9892578,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.07512828707695007},{"word":"liabilities","start":1504.3551,"end":1504.8551,"confidence":1.0,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":-0.01819179207086563},{"word":"to","start":1505.0751,"end":1505.3151,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04175897687673569},{"word":"kind","start":1505.3151,"end":1505.4751,"confidence":0.9892578,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.04618517681956291},{"word":"of","start":1505.4751,"end":1505.635,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0264815017580986},{"word":"note","start":1505.635,"end":1505.9551,"confidence":0.9970703,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.06280267238616943},{"word":"down","start":1505.9551,"end":1506.4551,"confidence":0.99902344,"punctuated_word":"down?","sentiment":"neutral","sentiment_score":-0.03550461679697037},{"word":"no","start":1509.875,"end":1510.035,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13609537482261658},{"word":"that's","start":1510.035,"end":1510.3551,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.027605965733528137},{"word":"okay","start":1510.3551,"end":1510.8551,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.06494094431400299},{"word":"all","start":1510.995,"end":1511.3151,"confidence":0.9921875,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4823530614376068},{"word":"good","start":1511.3151,"end":1511.8151,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4014312028884888},{"word":"and","start":1513.0751,"end":1513.4751,"confidence":0.88183594,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10035018622875214},{"word":"the","start":1513.4751,"end":1513.7151,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07823003828525543},{"word":"only","start":1513.7151,"end":1513.9551,"confidence":0.8076172,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.022724635899066925},{"word":"other","start":1513.9551,"end":1514.035,"confidence":0.78759766,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.03232790157198906},{"word":"thing","start":1514.035,"end":1514.275,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.05617522448301315},{"word":"to","start":1514.275,"end":1514.435,"confidence":0.875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04063894599676132},{"word":"sort","start":1514.435,"end":1514.5951,"confidence":0.96777344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.001237865537405014},{"word":"of","start":1514.5951,"end":1514.755,"confidence":0.6621094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014652658253908156},{"word":"consider","start":1514.755,"end":1515.255,"confidence":0.78125,"punctuated_word":"consider,","sentiment":"neutral","sentiment_score":-0.012363355606794356},{"word":"sorry","start":1515.635,"end":1516.035,"confidence":0.94921875,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.017857439815998077},{"word":"is","start":1516.035,"end":1516.1951,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.013491008430719376},{"word":"your","start":1516.1951,"end":1516.65,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02271493524312973},{"word":"estate","start":1517.4501,"end":1517.85,"confidence":0.9838867,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.04576772078871727},{"word":"planning","start":1517.85,"end":1518.35,"confidence":0.89941406,"punctuated_word":"planning.","sentiment":"neutral","sentiment_score":-0.017267847433686256},{"word":"sorry","start":1519.05,"end":1519.55,"confidence":0.9753418,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.034243203699588776},{"word":"have","start":1520.65,"end":1520.89,"confidence":0.85253906,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.032817598432302475},{"word":"you","start":1520.89,"end":1520.97,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014747938141226768},{"word":"and","start":1520.97,"end":1521.13,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03892241418361664},{"word":"your","start":1521.13,"end":1521.37,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.037067439407110214},{"word":"wife","start":1521.37,"end":1521.61,"confidence":1.0,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":-0.027572233229875565},{"word":"ever","start":1521.61,"end":1521.93,"confidence":0.9970703,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.005386358126997948},{"word":"spoken","start":1521.93,"end":1522.25,"confidence":0.9970703,"punctuated_word":"spoken","sentiment":"neutral","sentiment_score":-0.03154389560222626},{"word":"to","start":1522.25,"end":1522.41,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02288333885371685},{"word":"a","start":1522.41,"end":1522.5701,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.038720957934856415},{"word":"solicitor","start":1522.5701,"end":1523.05,"confidence":1.0,"punctuated_word":"solicitor","sentiment":"neutral","sentiment_score":-0.03316080942749977},{"word":"or","start":1523.05,"end":1523.29,"confidence":0.99316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0568445548415184},{"word":"talked","start":1523.29,"end":1523.53,"confidence":0.9921875,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":-0.03736846148967743},{"word":"about","start":1523.53,"end":1523.77,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.025738630443811417},{"word":"drawing","start":1523.77,"end":1524.17,"confidence":0.9902344,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":-0.049521856009960175},{"word":"up","start":1524.17,"end":1524.25,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.05259291082620621},{"word":"a","start":1524.25,"end":1524.49,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05271280929446221},{"word":"will","start":1524.49,"end":1524.81,"confidence":0.99316406,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.05013236030936241},{"word":"at","start":1524.81,"end":1524.97,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.060379043221473694},{"word":"all","start":1524.97,"end":1525.47,"confidence":0.9995117,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.041138291358947754},{"word":"no","start":1528.41,"end":1528.65,"confidence":0.99121094,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11473846435546876},{"word":"that's","start":1528.65,"end":1528.995,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.05060257762670517},{"word":"okay","start":1529.235,"end":1529.475,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.01570100709795952},{"word":"it","start":1529.475,"end":1529.715,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.09643431007862092},{"word":"is","start":1529.715,"end":1530.035,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12666094303131104},{"word":"definitely","start":1530.035,"end":1530.355,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.21301907300949097},{"word":"worth","start":1530.355,"end":1530.595,"confidence":1.0,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.11955519020557404},{"word":"having","start":1530.595,"end":1530.915,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.18084049224853516},{"word":"the","start":1530.915,"end":1531.155,"confidence":0.92578125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15435348451137543},{"word":"conversation","start":1531.155,"end":1531.655,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.1938600093126297},{"word":"as","start":1531.795,"end":1531.955,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1105479896068573},{"word":"well","start":1531.955,"end":1532.275,"confidence":0.6933594,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.08916555345058441},{"word":"just","start":1532.275,"end":1532.515,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05046971142292023},{"word":"sort","start":1532.515,"end":1532.675,"confidence":0.9980469,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04876451939344406},{"word":"of","start":1532.675,"end":1532.835,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09556549042463304},{"word":"noting","start":1532.835,"end":1533.155,"confidence":0.9970703,"punctuated_word":"noting","sentiment":"neutral","sentiment_score":0.0414184033870697},{"word":"that","start":1533.155,"end":1533.655,"confidence":0.9550781,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.030024932697415352},{"word":"you","start":1533.955,"end":1534.115,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03625442087650299},{"word":"know","start":1534.115,"end":1534.275,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0023718029260635376},{"word":"your","start":1534.275,"end":1534.515,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.018784575164318085},{"word":"beneficiaries","start":1534.515,"end":1535.015,"confidence":0.98095703,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.06229843944311142},{"word":"inside","start":1535.235,"end":1535.715,"confidence":0.9760742,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.11015468090772627},{"word":"super","start":1535.715,"end":1536.035,"confidence":0.13024902,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.09101241827011108},{"word":"and","start":1536.035,"end":1536.275,"confidence":0.9560547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05674369633197784},{"word":"your","start":1536.275,"end":1536.515,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04532594978809357},{"word":"life","start":1536.515,"end":1536.755,"confidence":0.99609375,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.09906817972660063},{"word":"insurance","start":1536.755,"end":1537.155,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.06306134164333344},{"word":"beneficiaries","start":1537.155,"end":1537.655,"confidence":0.9707031,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.06045713275671005},{"word":"are","start":1537.715,"end":1537.795,"confidence":0.65625,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09598085284233092},{"word":"there","start":1537.795,"end":1538.195,"confidence":0.97998047,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.11513622850179672},{"word":"to","start":1538.195,"end":1538.355,"confidence":0.9453125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10060226172208786},{"word":"direct","start":1538.355,"end":1538.755,"confidence":0.8798828,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":0.07997554540634155},{"word":"those","start":1538.755,"end":1539.075,"confidence":0.81640625,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.025992587208747864},{"word":"funds","start":1539.075,"end":1539.315,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.03764771670103073},{"word":"in","start":1539.315,"end":1539.475,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.048490092158317566},{"word":"the","start":1539.475,"end":1539.635,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05587935447692871},{"word":"event","start":1539.635,"end":1539.955,"confidence":0.99902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.03000722825527191},{"word":"of","start":1539.955,"end":1540.115,"confidence":0.9526367,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04945637285709381},{"word":"something","start":1540.115,"end":1540.4349,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.05901990085840225},{"word":"happening","start":1540.4349,"end":1540.915,"confidence":0.99902344,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.06015410274267197},{"word":"to","start":1540.915,"end":1541.075,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.053474411368370056},{"word":"you","start":1541.075,"end":1541.575,"confidence":0.99658203,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.030733034014701843},{"word":"however","start":1542.17,"end":1542.57,"confidence":0.99853516,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.0018188804388046265},{"word":"it","start":1542.57,"end":1542.73,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.004228599369525909},{"word":"is","start":1542.73,"end":1542.89,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.005525149405002594},{"word":"also","start":1542.89,"end":1543.29,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.016004998236894608},{"word":"important","start":1543.29,"end":1543.69,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.03874150663614273},{"word":"to","start":1543.69,"end":1543.85,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02288515493273735},{"word":"consider","start":1543.85,"end":1544.35,"confidence":0.9970703,"punctuated_word":"consider,","sentiment":"neutral","sentiment_score":-0.0548885352909565},{"word":"you","start":1544.41,"end":1544.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04693986102938652},{"word":"know","start":1544.65,"end":1544.8099,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.06525345891714096},{"word":"what","start":1544.8099,"end":1544.97,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08493486046791077},{"word":"happens","start":1544.97,"end":1545.37,"confidence":1.0,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.06712311506271362},{"word":"to","start":1545.37,"end":1545.61,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.045795224606990814},{"word":"everything","start":1545.61,"end":1545.9299,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.0497947558760643},{"word":"else","start":1545.9299,"end":1546.25,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":-0.023177359253168103},{"word":"that","start":1546.25,"end":1546.49,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03062393143773079},{"word":"you","start":1546.49,"end":1546.73,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.041593123227357864},{"word":"own","start":1546.73,"end":1547.23,"confidence":0.99121094,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.10149016976356506},{"word":"if","start":1548.09,"end":1548.33,"confidence":0.81152344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.13431766629219055},{"word":"you","start":1548.33,"end":1548.49,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10075783729553224},{"word":"don't","start":1548.49,"end":1548.73,"confidence":0.9926758,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1467217206954956},{"word":"have","start":1548.73,"end":1548.97,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.25570306181907654},{"word":"a","start":1548.97,"end":1549.0499,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2505260109901428},{"word":"will","start":1549.0499,"end":1549.29,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.23793672025203705},{"word":"in","start":1549.29,"end":1549.37,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.29647377133369446},{"word":"place","start":1549.37,"end":1549.61,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":-0.28641071915626526},{"word":"and","start":1549.61,"end":1549.77,"confidence":0.9526367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.24220600724220276},{"word":"you","start":1549.77,"end":1549.9299,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.25045010447502136},{"word":"do","start":1549.9299,"end":1550.25,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.22383248805999756},{"word":"pass","start":1550.25,"end":1550.49,"confidence":0.99609375,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.3329506516456604},{"word":"away","start":1550.49,"end":1550.99,"confidence":0.8510742,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":-0.2045460045337677},{"word":"it","start":1551.13,"end":1551.29,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.14733044803142548},{"word":"does","start":1551.29,"end":1551.53,"confidence":0.88720703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.11099065840244292},{"word":"end","start":1551.53,"end":1551.77,"confidence":0.9506836,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.12648704648017883},{"word":"up","start":1551.77,"end":1551.85,"confidence":0.89453125,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.15011616051197052},{"word":"being","start":1551.85,"end":1552.17,"confidence":0.9941406,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.15093126893043518},{"word":"in","start":1552.17,"end":1552.33,"confidence":0.86865234,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1712205559015274},{"word":"test","start":1552.33,"end":1552.57,"confidence":0.97509766,"punctuated_word":"test","sentiment":"neutral","sentiment_score":-0.12257671356201172},{"word":"date","start":1552.57,"end":1552.8099,"confidence":0.81152344,"punctuated_word":"date,","sentiment":"neutral","sentiment_score":-0.13497838377952576},{"word":"which","start":1552.8099,"end":1553.0499,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.11487661302089693},{"word":"means","start":1553.0499,"end":1553.37,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.10394223034381866},{"word":"that","start":1553.37,"end":1553.53,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07823596894741058},{"word":"the","start":1553.53,"end":1553.69,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13148704171180725},{"word":"process","start":1553.69,"end":1554.09,"confidence":1.0,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.11930707097053528},{"word":"everything","start":1554.41,"end":1554.8099,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.14790406823158264},{"word":"has","start":1554.8099,"end":1555.0499,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.1319703757762909},{"word":"to","start":1555.0499,"end":1555.21,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12193488329648972},{"word":"kinda","start":1555.21,"end":1555.53,"confidence":0.9819336,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.1279638707637787},{"word":"go","start":1555.53,"end":1555.77,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.16546860337257385},{"word":"through","start":1555.77,"end":1556.205,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.1588193029165268},{"word":"a","start":1556.2849,"end":1556.445,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1478031873703003},{"word":"probate","start":1556.445,"end":1556.945,"confidence":0.99853516,"punctuated_word":"probate","sentiment":"neutral","sentiment_score":-0.15064817667007446},{"word":"process","start":1557.085,"end":1557.565,"confidence":0.9692383,"punctuated_word":"process.","sentiment":"neutral","sentiment_score":-0.16108572483062744},{"word":"it","start":1557.565,"end":1557.8049,"confidence":0.7597656,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.09259213507175446},{"word":"is","start":1557.8049,"end":1557.965,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0804983600974083},{"word":"a","start":1557.965,"end":1558.125,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09246040135622025},{"word":"legal","start":1558.125,"end":1558.5249,"confidence":1.0,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":-0.09855448454618454},{"word":"process","start":1558.5249,"end":1559.005,"confidence":0.86450195,"punctuated_word":"process,","sentiment":"neutral","sentiment_score":-0.11233148723840714},{"word":"and","start":1559.005,"end":1559.325,"confidence":0.89990234,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.08874593675136566},{"word":"essentially","start":1559.325,"end":1559.825,"confidence":0.9995117,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.06383657455444336},{"word":"the","start":1559.885,"end":1560.0449,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08280053734779358},{"word":"legal","start":1560.0449,"end":1560.2849,"confidence":1.0,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":-0.08232009410858154},{"word":"system","start":1560.2849,"end":1560.765,"confidence":0.99609375,"punctuated_word":"system","sentiment":"neutral","sentiment_score":-0.12479045242071152},{"word":"decides","start":1560.765,"end":1561.1649,"confidence":0.97314453,"punctuated_word":"decides","sentiment":"neutral","sentiment_score":-0.06445392221212387},{"word":"where","start":1561.1649,"end":1561.325,"confidence":0.99121094,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.07153896242380142},{"word":"those","start":1561.325,"end":1561.565,"confidence":0.9941406,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.10935187339782716},{"word":"funds","start":1561.565,"end":1561.965,"confidence":0.9980469,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.0723613053560257},{"word":"go","start":1561.965,"end":1562.205,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.09073162078857422},{"word":"to","start":1562.205,"end":1562.365,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10859496146440506},{"word":"or","start":1562.365,"end":1562.605,"confidence":0.98095703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0857485681772232},{"word":"what","start":1562.605,"end":1562.765,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10054448246955872},{"word":"happens","start":1562.765,"end":1563.1649,"confidence":0.99902344,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.0720907673239708},{"word":"to","start":1563.1649,"end":1563.4049,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06764410436153412},{"word":"everything","start":1563.4049,"end":1563.9049,"confidence":0.9875488,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":-0.071565181016922},{"word":"whilst","start":1564.5249,"end":1564.9249,"confidence":0.6074219,"punctuated_word":"Whilst","sentiment":"neutral","sentiment_score":-0.1862313151359558},{"word":"your","start":1564.9249,"end":1565.085,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.25890615582466125},{"word":"wife","start":1565.085,"end":1565.4049,"confidence":0.99902344,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":-0.2001800239086151},{"word":"does","start":1565.4049,"end":1565.8049,"confidence":0.9941406,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.20954927802085876},{"word":"tend","start":1565.8049,"end":1566.0449,"confidence":0.9980469,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.19874313473701477},{"word":"to","start":1566.0449,"end":1566.205,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24389685690402985},{"word":"get","start":1566.205,"end":1566.445,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.28709694743156433},{"word":"most","start":1566.445,"end":1566.845,"confidence":0.99316406,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.2531716227531433},{"word":"things","start":1566.845,"end":1567.345,"confidence":0.99658203,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.2211605608463287},{"word":"it","start":1567.8049,"end":1567.965,"confidence":0.98095703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.30059000849723816},{"word":"can","start":1567.965,"end":1568.205,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.28192535042762756},{"word":"also","start":1568.205,"end":1568.5249,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.2582043409347534},{"word":"make","start":1568.5249,"end":1568.6849,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.28641924262046814},{"word":"the","start":1568.6849,"end":1568.845,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3594706654548645},{"word":"process","start":1568.845,"end":1569.245,"confidence":1.0,"punctuated_word":"process","sentiment":"negative","sentiment_score":-0.3500198721885681},{"word":"slightly","start":1569.245,"end":1569.6449,"confidence":0.98291016,"punctuated_word":"slightly","sentiment":"negative","sentiment_score":-0.3369661569595337},{"word":"harder","start":1569.6449,"end":1569.965,"confidence":0.9980469,"punctuated_word":"harder","sentiment":"negative","sentiment_score":-0.34090229868888855},{"word":"because","start":1569.965,"end":1570.365,"confidence":0.9194336,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2738955616950989},{"word":"other","start":1570.365,"end":1570.605,"confidence":0.9160156,"punctuated_word":"other","sentiment":"negative","sentiment_score":-0.38613927364349365},{"word":"members","start":1570.605,"end":1571.085,"confidence":0.99902344,"punctuated_word":"members","sentiment":"neutral","sentiment_score":-0.30568525195121765},{"word":"of","start":1571.085,"end":1571.245,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.30764317512512207},{"word":"the","start":1571.245,"end":1571.745,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.26668453216552734},{"word":"other","start":1572.33,"end":1572.57,"confidence":0.9902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.26155006885528564},{"word":"members","start":1572.57,"end":1572.89,"confidence":1.0,"punctuated_word":"members","sentiment":"neutral","sentiment_score":-0.23196062445640564},{"word":"of","start":1572.89,"end":1573.0499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1927741765975952},{"word":"your","start":1573.0499,"end":1573.2899,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.17470446228981018},{"word":"family","start":1573.2899,"end":1573.69,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.1424657106399536},{"word":"or","start":1573.69,"end":1573.85,"confidence":0.9902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.23102355003356936},{"word":"friends","start":1573.85,"end":1574.1699,"confidence":0.99609375,"punctuated_word":"friends","sentiment":"neutral","sentiment_score":-0.20303285121917725},{"word":"can","start":1574.1699,"end":1574.33,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2528880536556244},{"word":"come","start":1574.33,"end":1574.57,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.2336411476135254},{"word":"forward","start":1574.57,"end":1574.8099,"confidence":0.9921875,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":-0.31531745195388794},{"word":"and","start":1574.8099,"end":1574.97,"confidence":0.9135742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.27496787905693054},{"word":"stake","start":1574.97,"end":1575.2899,"confidence":0.9790039,"punctuated_word":"stake","sentiment":"neutral","sentiment_score":-0.2671298384666443},{"word":"a","start":1575.2899,"end":1575.45,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17128930985927582},{"word":"claim","start":1575.45,"end":1575.95,"confidence":1.0,"punctuated_word":"claim.","sentiment":"neutral","sentiment_score":-0.22432538866996765},{"word":"there's","start":1576.01,"end":1576.1699,"confidence":1.0,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.2685886323451996},{"word":"no","start":1576.1699,"end":1576.41,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.2349252998828888},{"word":"guarantees","start":1576.41,"end":1576.89,"confidence":0.7841797,"punctuated_word":"guarantees","sentiment":"neutral","sentiment_score":-0.225997656583786},{"word":"that","start":1576.89,"end":1577.13,"confidence":0.89453125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2884281873703003},{"word":"they'll","start":1577.13,"end":1577.37,"confidence":0.9770508,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":-0.2123741954565048},{"word":"get","start":1577.37,"end":1577.61,"confidence":0.9892578,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1971457153558731},{"word":"anything","start":1577.61,"end":1577.9299,"confidence":0.9645996,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":-0.18781106173992157},{"word":"but","start":1577.9299,"end":1578.1699,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.2723422646522522},{"word":"staking","start":1578.1699,"end":1578.49,"confidence":0.951416,"punctuated_word":"staking","sentiment":"negative","sentiment_score":-0.4146919250488281},{"word":"a","start":1578.49,"end":1578.65,"confidence":0.85253906,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3599092364311218},{"word":"claim","start":1578.65,"end":1578.97,"confidence":0.99902344,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.2526026964187622},{"word":"can","start":1578.97,"end":1579.13,"confidence":0.99902344,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.452830582857132},{"word":"just","start":1579.13,"end":1579.37,"confidence":1.0,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.42443931102752686},{"word":"make","start":1579.37,"end":1579.53,"confidence":1.0,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.4239452481269837},{"word":"the","start":1579.53,"end":1579.69,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.443115234375},{"word":"process","start":1579.69,"end":1580.09,"confidence":1.0,"punctuated_word":"process","sentiment":"negative","sentiment_score":-0.41710200905799866},{"word":"very","start":1580.09,"end":1580.33,"confidence":1.0,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.5220129489898682},{"word":"hard","start":1580.33,"end":1580.57,"confidence":0.99121094,"punctuated_word":"hard","sentiment":"negative","sentiment_score":-0.3938109874725342},{"word":"on","start":1580.57,"end":1580.73,"confidence":0.984375,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.35655978322029114},{"word":"your","start":1580.73,"end":1580.8099,"confidence":0.99902344,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.35874637961387634},{"word":"wife","start":1580.8099,"end":1581.0499,"confidence":0.98828125,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":-0.26570022106170654},{"word":"in","start":1581.0499,"end":1581.21,"confidence":0.93408203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.24100631475448608},{"word":"the","start":1581.21,"end":1581.37,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14112046360969543},{"word":"event","start":1581.37,"end":1581.61,"confidence":0.90283203,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.1316995918750763},{"word":"of","start":1581.61,"end":1581.77,"confidence":0.5253906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14098691940307617},{"word":"something","start":1581.77,"end":1582.09,"confidence":0.9970703,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.07072249054908752},{"word":"happening","start":1582.09,"end":1582.57,"confidence":0.9970703,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.15240374207496643},{"word":"to","start":1582.57,"end":1582.8099,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18854370713233948},{"word":"you","start":1582.8099,"end":1583.3099,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.1909784972667694},{"word":"okay","start":1583.37,"end":1583.87,"confidence":0.829834,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.034039027988910675},{"word":"excellent","start":1585.0851,"end":1585.5851,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5210684537887573},{"word":"i've","start":1585.965,"end":1586.2051,"confidence":0.8330078,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.5078942775726318},{"word":"got","start":1586.2051,"end":1586.525,"confidence":0.9980469,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.5262183547019958},{"word":"down","start":1586.525,"end":1586.765,"confidence":0.9902344,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.4638186693191528},{"word":"here","start":1586.765,"end":1587.165,"confidence":1.0,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.4991878271102905},{"word":"that","start":1587.165,"end":1587.405,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4701742231845856},{"word":"your","start":1587.405,"end":1587.905,"confidence":0.9951172,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.42603978514671326},{"word":"beneficiaries","start":1588.125,"end":1588.625,"confidence":0.9394531,"punctuated_word":"beneficiaries","sentiment":"positive","sentiment_score":0.4640139937400818},{"word":"are","start":1589.165,"end":1589.405,"confidence":0.9614258,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4263488948345184},{"word":"eileen","start":1589.405,"end":1589.805,"confidence":0.76782227,"punctuated_word":"Eileen","sentiment":"positive","sentiment_score":0.4467366933822632},{"word":"on","start":1589.805,"end":1590.045,"confidence":0.99121094,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5221859812736511},{"word":"your","start":1590.045,"end":1590.285,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5199296474456787},{"word":"super","start":1590.285,"end":1590.765,"confidence":0.92578125,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.5668324828147888},{"word":"and","start":1590.765,"end":1591.165,"confidence":0.6479492,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5002040266990662},{"word":"your","start":1591.165,"end":1591.5651,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4340246319770813},{"word":"insurances","start":1591.5651,"end":1592.0651,"confidence":0.9220378,"punctuated_word":"insurances.","sentiment":"positive","sentiment_score":0.4314208924770355},{"word":"you're","start":1592.2051,"end":1592.525,"confidence":0.9946289,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.5901845097541809},{"word":"happy","start":1592.525,"end":1592.765,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5762551426887512},{"word":"for","start":1592.765,"end":1592.925,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6313351988792419},{"word":"that","start":1592.925,"end":1593.165,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5569275617599487},{"word":"a","start":1593.165,"end":1593.3251,"confidence":0.9086914,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4746714234352112},{"word":"100%","start":1593.3251,"end":1593.885,"confidence":0.9995117,"punctuated_word":"100%","sentiment":"positive","sentiment_score":0.5314395427703857},{"word":"to","start":1593.885,"end":1594.045,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4970439374446869},{"word":"be","start":1594.045,"end":1594.125,"confidence":0.9951172,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4726056754589081},{"word":"paid","start":1594.125,"end":1594.365,"confidence":1.0,"punctuated_word":"paid","sentiment":"positive","sentiment_score":0.5011861324310303},{"word":"to","start":1594.365,"end":1594.4451,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.44016778469085693},{"word":"her","start":1594.4451,"end":1594.605,"confidence":1.0,"punctuated_word":"her","sentiment":"positive","sentiment_score":0.40545853972435},{"word":"in","start":1594.605,"end":1594.765,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.41038456559181213},{"word":"the","start":1594.765,"end":1594.925,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.43210625648498535},{"word":"event","start":1594.925,"end":1595.245,"confidence":0.99902344,"punctuated_word":"event","sentiment":"positive","sentiment_score":0.4164801836013794},{"word":"of","start":1595.245,"end":1595.405,"confidence":0.9921875,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3427947461605072},{"word":"something","start":1595.405,"end":1595.805,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.26652291417121887},{"word":"occurring","start":1595.805,"end":1596.305,"confidence":0.9758301,"punctuated_word":"occurring?","sentiment":"neutral","sentiment_score":0.27245840430259705},{"word":"yeah","start":1598.07,"end":1598.39,"confidence":0.9807129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2376326024532318},{"word":"happy","start":1598.39,"end":1598.71,"confidence":0.99902344,"punctuated_word":"Happy","sentiment":"positive","sentiment_score":0.45236194133758545},{"word":"wife","start":1598.71,"end":1599.03,"confidence":0.7897949,"punctuated_word":"wife,","sentiment":"positive","sentiment_score":0.34260106086730957},{"word":"happy","start":1599.03,"end":1599.27,"confidence":0.99902344,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5338138937950134},{"word":"life","start":1599.27,"end":1599.51,"confidence":0.99365234,"punctuated_word":"life.","sentiment":"positive","sentiment_score":0.5368932485580444},{"word":"am","start":1599.51,"end":1599.75,"confidence":1.0,"punctuated_word":"Am","sentiment":"neutral","sentiment_score":0.2927094101905823},{"word":"i","start":1599.75,"end":1599.83,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.28878092765808105},{"word":"right","start":1599.83,"end":1600.33,"confidence":1.0,"punctuated_word":"right?","sentiment":"positive","sentiment_score":0.3415815234184265},{"word":"excellent","start":1603.51,"end":1604.01,"confidence":0.96118164,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5296549797058105},{"word":"all","start":1604.15,"end":1604.39,"confidence":0.9741211,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5552875995635986},{"word":"good","start":1604.39,"end":1604.89,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5762038230895996},{"word":"i'm","start":1605.03,"end":1605.19,"confidence":0.95458984,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6807026863098145},{"word":"glad","start":1605.19,"end":1605.51,"confidence":0.99902344,"punctuated_word":"glad","sentiment":"positive","sentiment_score":0.7151890993118286},{"word":"that's","start":1605.51,"end":1605.83,"confidence":0.6904297,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.6839814186096191},{"word":"all","start":1605.83,"end":1605.99,"confidence":0.9951172,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.648806631565094},{"word":"up","start":1605.99,"end":1606.23,"confidence":0.9941406,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6484071612358093},{"word":"to","start":1606.23,"end":1606.3099,"confidence":0.99316406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.680741012096405},{"word":"date","start":1606.3099,"end":1606.5499,"confidence":0.99902344,"punctuated_word":"date","sentiment":"positive","sentiment_score":0.6911979913711548},{"word":"there","start":1606.5499,"end":1606.79,"confidence":0.9863281,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.6609982848167419},{"word":"for","start":1606.79,"end":1606.95,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6408724784851074},{"word":"you","start":1606.95,"end":1607.35,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5984108448028564},{"word":"now","start":1607.35,"end":1607.51,"confidence":0.4658203,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.18154509365558624},{"word":"the","start":1607.51,"end":1607.67,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11295442283153534},{"word":"last","start":1607.67,"end":1607.91,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.061909355223178864},{"word":"thing","start":1607.91,"end":1608.07,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.13947495818138125},{"word":"i","start":1608.07,"end":1608.23,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09910817444324492},{"word":"wanted","start":1608.23,"end":1608.5499,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.0753926932811737},{"word":"to","start":1608.5499,"end":1608.63,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08222682029008865},{"word":"do","start":1608.63,"end":1608.79,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09418328106403352},{"word":"was","start":1608.79,"end":1608.95,"confidence":0.9394531,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07698048651218414},{"word":"just","start":1608.95,"end":1609.125,"confidence":0.78808594,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13007907569408417},{"word":"to","start":1609.125,"end":1609.205,"confidence":0.8457031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15146151185035706},{"word":"go","start":1609.205,"end":1609.365,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11889725178480148},{"word":"through","start":1609.365,"end":1609.525,"confidence":0.99316406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1470429003238678},{"word":"a","start":1609.525,"end":1609.605,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12168709933757782},{"word":"quick","start":1609.605,"end":1609.845,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.12423160672187804},{"word":"risk","start":1609.845,"end":1610.165,"confidence":0.9790039,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.05741874873638153},{"word":"profile","start":1610.165,"end":1610.565,"confidence":0.9941406,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.0931161567568779},{"word":"questionnaire","start":1610.565,"end":1611.045,"confidence":0.9838867,"punctuated_word":"questionnaire","sentiment":"neutral","sentiment_score":0.13343548774719238},{"word":"just","start":1611.045,"end":1611.285,"confidence":0.8989258,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13167396187782288},{"word":"to","start":1611.285,"end":1611.365,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10546762496232986},{"word":"sort","start":1611.365,"end":1611.605,"confidence":0.96435547,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09511817246675491},{"word":"of","start":1611.605,"end":1611.685,"confidence":0.4970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09625045955181122},{"word":"gather","start":1611.685,"end":1612.005,"confidence":0.9838867,"punctuated_word":"gather","sentiment":"neutral","sentiment_score":0.0703880563378334},{"word":"whether","start":1612.005,"end":1612.325,"confidence":0.9970703,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.10382158309221268},{"word":"you're","start":1612.325,"end":1612.645,"confidence":0.98657227,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.12425994873046876},{"word":"invested","start":1612.645,"end":1613.145,"confidence":0.5908203,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.05852896720170975},{"word":"correctly","start":1613.205,"end":1613.685,"confidence":1.0,"punctuated_word":"correctly","sentiment":"neutral","sentiment_score":0.11613211780786514},{"word":"or","start":1613.685,"end":1613.925,"confidence":0.9873047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08859165757894516},{"word":"not","start":1613.925,"end":1614.165,"confidence":0.9008789,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":0.10787824541330338},{"word":"realistically","start":1614.165,"end":1614.665,"confidence":0.96402997,"punctuated_word":"Realistically,","sentiment":"neutral","sentiment_score":0.21168389916419983},{"word":"with","start":1614.805,"end":1615.045,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2756059765815735},{"word":"your","start":1615.045,"end":1615.285,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2643264830112457},{"word":"agent","start":1615.285,"end":1615.605,"confidence":0.5390625,"punctuated_word":"agent","sentiment":"neutral","sentiment_score":0.22640880942344663},{"word":"stage","start":1615.605,"end":1615.925,"confidence":0.82055664,"punctuated_word":"stage,","sentiment":"neutral","sentiment_score":0.2896367311477661},{"word":"that","start":1615.925,"end":1616.165,"confidence":0.88134766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27665871381759644},{"word":"high","start":1616.165,"end":1616.325,"confidence":0.9951172,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.2904062867164612},{"word":"growth","start":1616.325,"end":1616.725,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3680947422981262},{"word":"environment","start":1616.725,"end":1617.225,"confidence":0.99609375,"punctuated_word":"environment","sentiment":"neutral","sentiment_score":0.3009868562221527},{"word":"still","start":1617.285,"end":1617.525,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.24941271543502808},{"word":"suits","start":1617.525,"end":1617.845,"confidence":0.9550781,"punctuated_word":"suits","sentiment":"neutral","sentiment_score":0.21257111430168152},{"word":"where","start":1617.845,"end":1618.005,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.29754695296287537},{"word":"you're","start":1618.005,"end":1618.245,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.27789780497550964},{"word":"at","start":1618.245,"end":1618.565,"confidence":0.8586426,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.2579914629459381},{"word":"but","start":1618.565,"end":1618.805,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.28645068407058716},{"word":"just","start":1618.805,"end":1619.045,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2898881435394287},{"word":"wanting","start":1619.045,"end":1619.285,"confidence":0.99609375,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.30199700593948364},{"word":"to","start":1619.285,"end":1619.445,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30803754925727844},{"word":"make","start":1619.445,"end":1619.605,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2579858899116516},{"word":"sure","start":1619.605,"end":1619.765,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.30265140533447266},{"word":"that","start":1619.765,"end":1620.005,"confidence":0.91015625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3261842727661133},{"word":"does","start":1620.005,"end":1620.245,"confidence":0.7402344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2890305519104004},{"word":"suit","start":1620.245,"end":1620.485,"confidence":0.9921875,"punctuated_word":"suit","sentiment":"neutral","sentiment_score":0.3325521647930145},{"word":"you","start":1620.485,"end":1620.805,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.36070841550827026},{"word":"personally","start":1620.805,"end":1621.285,"confidence":0.9921875,"punctuated_word":"personally","sentiment":"positive","sentiment_score":0.37440863251686096},{"word":"as","start":1621.285,"end":1621.525,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.32680365443229675},{"word":"well","start":1621.525,"end":1622.025,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.22920209169387817},{"word":"the","start":1623.2001,"end":1623.7001,"confidence":0.9550781,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.015481963753700256},{"word":"first","start":1623.76,"end":1624.0,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.01915306970477104},{"word":"question","start":1624.0,"end":1624.4,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.05206063762307167},{"word":"here","start":1624.4,"end":1624.9,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.019355490803718567},{"word":"is","start":1625.4401,"end":1625.68,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.009712141007184982},{"word":"basically","start":1625.68,"end":1626.16,"confidence":0.96777344,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.0009722262620925904},{"word":"asking","start":1626.16,"end":1626.48,"confidence":0.9980469,"punctuated_word":"asking","sentiment":"neutral","sentiment_score":-0.0069892555475234985},{"word":"you","start":1626.48,"end":1626.56,"confidence":0.59814453,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00976838916540146},{"word":"about","start":1626.56,"end":1626.88,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.031521692872047424},{"word":"inflation","start":1626.88,"end":1627.38,"confidence":0.97094727,"punctuated_word":"inflation.","sentiment":"neutral","sentiment_score":0.003599931253120303},{"word":"so","start":1628.0801,"end":1628.5801,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.008618930354714394},{"word":"how","start":1629.04,"end":1629.28,"confidence":0.9350586,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.010536542162299156},{"word":"much","start":1629.28,"end":1629.6,"confidence":0.99902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.01366620883345604},{"word":"risk","start":1629.6,"end":1630.0,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.021402699872851372},{"word":"do","start":1630.0,"end":1630.16,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.012974873185157776},{"word":"you","start":1630.16,"end":1630.3201,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004259347915649414},{"word":"consider","start":1630.3201,"end":1630.7201,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.013500992208719254},{"word":"yourself","start":1630.7201,"end":1631.2001,"confidence":1.0,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":-0.01716025173664093},{"word":"comfortable","start":1631.2001,"end":1631.7001,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.03921452909708023},{"word":"to","start":1631.76,"end":1631.92,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.012528236955404282},{"word":"take","start":1631.92,"end":1632.24,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.011195901781320572},{"word":"in","start":1632.24,"end":1632.4,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.002194777131080627},{"word":"order","start":1632.4,"end":1632.7201,"confidence":0.99902344,"punctuated_word":"order","sentiment":"neutral","sentiment_score":-0.006346646696329117},{"word":"to","start":1632.7201,"end":1632.8,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011951792985200882},{"word":"get","start":1632.8,"end":1633.12,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.02669570967555046},{"word":"higher","start":1633.12,"end":1633.4401,"confidence":0.9980469,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.012796316295862198},{"word":"levels","start":1633.4401,"end":1633.8401,"confidence":1.0,"punctuated_word":"levels","sentiment":"neutral","sentiment_score":0.014161832630634308},{"word":"of","start":1633.8401,"end":1634.0,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.019722413271665573},{"word":"returns","start":1634.0,"end":1634.5,"confidence":0.9782715,"punctuated_word":"returns?","sentiment":"neutral","sentiment_score":0.004444467835128307},{"word":"are","start":1634.985,"end":1635.145,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.020699329674243927},{"word":"you","start":1635.145,"end":1635.385,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004612846300005913},{"word":"comfortable","start":1635.385,"end":1635.865,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.0019028261303901672},{"word":"taking","start":1635.865,"end":1636.1849,"confidence":0.9980469,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.0025950782001018524},{"word":"on","start":1636.1849,"end":1636.345,"confidence":0.9902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.01105869933962822},{"word":"a","start":1636.345,"end":1636.425,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006373930722475052},{"word":"higher","start":1636.425,"end":1636.745,"confidence":0.9838867,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.007092509418725967},{"word":"level","start":1636.745,"end":1637.065,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.00880693644285202},{"word":"of","start":1637.065,"end":1637.225,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005669876933097839},{"word":"risk","start":1637.225,"end":1637.625,"confidence":0.88427734,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.027018658816814423},{"word":"to","start":1637.625,"end":1637.865,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.022976674139499664},{"word":"make","start":1637.865,"end":1638.105,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.014341801404953005},{"word":"sure","start":1638.105,"end":1638.265,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.02491963654756546},{"word":"your","start":1638.265,"end":1638.425,"confidence":0.9243164,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05382116138935089},{"word":"returns","start":1638.425,"end":1638.905,"confidence":0.7109375,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.06724303215742111},{"word":"are","start":1638.905,"end":1639.065,"confidence":0.9863281,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05188329517841339},{"word":"outpacing","start":1639.065,"end":1639.565,"confidence":0.9790039,"punctuated_word":"outpacing","sentiment":"neutral","sentiment_score":0.04883269593119621},{"word":"inflation","start":1639.625,"end":1640.125,"confidence":0.99902344,"punctuated_word":"inflation","sentiment":"neutral","sentiment_score":0.004358597099781036},{"word":"so","start":1640.585,"end":1640.745,"confidence":0.50097656,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.009235791862010956},{"word":"you","start":1640.745,"end":1640.825,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04646796360611915},{"word":"can","start":1640.825,"end":1641.065,"confidence":0.7705078,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.043333109468221664},{"word":"see","start":1641.065,"end":1641.305,"confidence":0.9301758,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.048492636531591415},{"word":"yourself","start":1641.305,"end":1641.705,"confidence":0.9980469,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.03014432266354561},{"word":"comfortable","start":1641.705,"end":1642.1849,"confidence":0.9980469,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.03496643155813217},{"word":"taking","start":1642.1849,"end":1642.505,"confidence":0.98828125,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.03437671437859535},{"word":"a","start":1642.505,"end":1642.665,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05156973376870155},{"word":"moderate","start":1642.665,"end":1643.065,"confidence":0.99316406,"punctuated_word":"moderate","sentiment":"neutral","sentiment_score":0.03477151691913605},{"word":"or","start":1643.065,"end":1643.305,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.013951301574707031},{"word":"medium","start":1643.305,"end":1643.785,"confidence":0.99609375,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":0.009401656687259674},{"word":"amount","start":1643.785,"end":1644.025,"confidence":0.9970703,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.02156025916337967},{"word":"of","start":1644.025,"end":1644.1849,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01702406257390976},{"word":"risk","start":1644.1849,"end":1644.425,"confidence":0.96533203,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.012906104326248167},{"word":"to","start":1644.425,"end":1644.585,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0010980255901813507},{"word":"keep","start":1644.585,"end":1644.825,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.04880701005458832},{"word":"up","start":1644.825,"end":1644.905,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.025405272841453552},{"word":"have","start":1645.385,"end":1645.545,"confidence":0.7890625,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.007954157888889313},{"word":"your","start":1645.545,"end":1645.785,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0005705952644348145},{"word":"returns","start":1645.785,"end":1646.1849,"confidence":0.9892578,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.052012473344802856},{"word":"keep","start":1646.1849,"end":1646.345,"confidence":0.9760742,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.04291204363107681},{"word":"up","start":1646.345,"end":1646.505,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.022462688386440277},{"word":"with","start":1646.505,"end":1646.665,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.004729308187961578},{"word":"inflation","start":1646.665,"end":1647.165,"confidence":0.7442627,"punctuated_word":"inflation,","sentiment":"neutral","sentiment_score":0.01571343094110489},{"word":"or","start":1647.7001,"end":1647.8601,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02505403384566307},{"word":"are","start":1647.8601,"end":1648.02,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.007889978587627411},{"word":"you","start":1648.02,"end":1648.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.002723466604948044},{"word":"only","start":1648.26,"end":1648.5801,"confidence":0.99121094,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.025893308222293857},{"word":"comfortable","start":1648.5801,"end":1648.98,"confidence":0.9951172,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.012625059112906456},{"word":"taking","start":1648.98,"end":1649.38,"confidence":0.9902344,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.03072308748960495},{"word":"a","start":1649.38,"end":1649.4601,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.003958417102694511},{"word":"small","start":1649.4601,"end":1649.78,"confidence":0.99902344,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.001656271517276764},{"word":"amount","start":1649.78,"end":1650.1001,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.016674872487783432},{"word":"of","start":1650.1001,"end":1650.26,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.024237632751464844},{"word":"risk","start":1650.26,"end":1650.5801,"confidence":0.9902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.04558396339416504},{"word":"knowing","start":1650.5801,"end":1650.8201,"confidence":0.97265625,"punctuated_word":"knowing","sentiment":"neutral","sentiment_score":-0.025101199746131897},{"word":"the","start":1650.8201,"end":1651.06,"confidence":0.92578125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01330757886171341},{"word":"returns","start":1651.06,"end":1651.56,"confidence":0.99902344,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":-0.03006475418806076},{"word":"are","start":1651.62,"end":1651.86,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.008080445230007172},{"word":"lower","start":1651.86,"end":1652.3401,"confidence":0.9941406,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.000048995018005371094},{"word":"because","start":1652.3401,"end":1652.66,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.00781615823507309},{"word":"of","start":1652.66,"end":1652.8201,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004361256957054138},{"word":"that","start":1652.8201,"end":1653.06,"confidence":0.9946289,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.01266360841691494},{"word":"how","start":1653.06,"end":1653.2201,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.005680855363607407},{"word":"do","start":1653.2201,"end":1653.38,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.007489178329706192},{"word":"you","start":1653.38,"end":1653.54,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02765621617436409},{"word":"think","start":1653.54,"end":1653.7001,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.03510040417313576},{"word":"you","start":1653.7001,"end":1653.86,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02088664099574089},{"word":"fit","start":1653.86,"end":1654.36,"confidence":0.953125,"punctuated_word":"fit?","sentiment":"neutral","sentiment_score":0.030163856223225594},{"word":"the","start":1662.5449,"end":1662.705,"confidence":0.9277344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0054894303902983665},{"word":"second","start":1662.705,"end":1662.945,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.02013562060892582},{"word":"one","start":1662.945,"end":1663.345,"confidence":0.7546387,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":0.019024968147277832},{"word":"yep","start":1663.345,"end":1663.585,"confidence":0.9748535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07755543291568756},{"word":"you","start":1663.585,"end":1663.745,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07941216230392456},{"word":"can","start":1663.745,"end":1663.9049,"confidence":0.88720703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0895545482635498},{"word":"always","start":1663.9049,"end":1664.145,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.11701932549476624},{"word":"go","start":1664.145,"end":1664.3049,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05836111679673195},{"word":"in","start":1664.3049,"end":1664.5449,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05128860101103783},{"word":"between","start":1664.5449,"end":1664.945,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.04341086745262146},{"word":"as","start":1664.945,"end":1665.105,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07279643416404724},{"word":"well","start":1665.105,"end":1665.345,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.09471219778060912},{"word":"if","start":1665.345,"end":1665.505,"confidence":0.9770508,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1048152819275856},{"word":"you're","start":1665.505,"end":1665.6649,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05228686332702637},{"word":"comfortable","start":1665.6649,"end":1666.145,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.0338173508644104},{"word":"wanting","start":1666.145,"end":1666.465,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.0472852997481823},{"word":"to","start":1666.465,"end":1666.625,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04561226069927216},{"word":"do","start":1666.625,"end":1666.7849,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.041267987340688705},{"word":"that","start":1666.7849,"end":1667.2849,"confidence":0.9980469,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.06454021483659744},{"word":"yep","start":1669.105,"end":1669.605,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20497962832450867},{"word":"beautiful","start":1669.6649,"end":1670.1649,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6503396034240723},{"word":"excellent","start":1670.385,"end":1670.885,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6773884296417236},{"word":"the","start":1671.6649,"end":1671.825,"confidence":0.50927734,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.29687684774398804},{"word":"next","start":1671.825,"end":1672.065,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.16384094953536987},{"word":"one","start":1672.065,"end":1672.3049,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.10384590923786163},{"word":"here","start":1672.3049,"end":1672.465,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.12821581959724426},{"word":"is","start":1672.465,"end":1672.705,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08357295393943787},{"word":"if","start":1672.705,"end":1672.865,"confidence":0.70654297,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.002363884821534157},{"word":"you","start":1672.865,"end":1673.025,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05657961219549179},{"word":"saw","start":1673.025,"end":1673.1849,"confidence":0.98535156,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.029811345040798187},{"word":"your","start":1673.1849,"end":1673.4249,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.056435734033584595},{"word":"super","start":1673.4249,"end":1673.745,"confidence":0.8598633,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.04322654008865357},{"word":"fall","start":1673.745,"end":1673.985,"confidence":0.80322266,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":-0.020090565085411072},{"word":"by","start":1673.985,"end":1674.225,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.054561641067266464},{"word":"20%","start":1674.225,"end":1674.865,"confidence":0.99853516,"punctuated_word":"20%,","sentiment":"neutral","sentiment_score":-0.02960684522986412},{"word":"how","start":1674.865,"end":1675.025,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.029642708599567413},{"word":"do","start":1675.025,"end":1675.1849,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03732044994831085},{"word":"you","start":1675.1849,"end":1675.345,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0003348737955093384},{"word":"think","start":1675.345,"end":1675.585,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.059981249272823334},{"word":"you","start":1675.585,"end":1675.745,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03655426949262619},{"word":"might","start":1675.745,"end":1676.065,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.008095137774944305},{"word":"react","start":1676.065,"end":1676.49,"confidence":0.99853516,"punctuated_word":"react?","sentiment":"neutral","sentiment_score":-0.044552579522132874},{"word":"are","start":1676.57,"end":1676.73,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.07048285007476807},{"word":"you","start":1676.73,"end":1676.89,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07742807269096375},{"word":"more","start":1676.89,"end":1677.13,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.0954517126083374},{"word":"inclined","start":1677.13,"end":1677.61,"confidence":1.0,"punctuated_word":"inclined","sentiment":"neutral","sentiment_score":-0.05900782346725464},{"word":"to","start":1677.61,"end":1677.77,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.021374639123678207},{"word":"see","start":1677.77,"end":1677.9299,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.02858642116189003},{"word":"it","start":1677.9299,"end":1678.09,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03959025070071221},{"word":"as","start":1678.09,"end":1678.33,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.01258474588394165},{"word":"an","start":1678.33,"end":1678.49,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0042831748723983765},{"word":"investment","start":1678.49,"end":1678.97,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.020009994506835938},{"word":"opportunity","start":1678.97,"end":1679.47,"confidence":1.0,"punctuated_word":"opportunity","sentiment":"neutral","sentiment_score":0.06693989783525467},{"word":"and","start":1679.53,"end":1679.69,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07242284715175629},{"word":"put","start":1679.69,"end":1679.9299,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.05244310200214386},{"word":"some","start":1679.9299,"end":1680.01,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.04559342563152313},{"word":"money","start":1680.01,"end":1680.41,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.013529397547245026},{"word":"into","start":1680.41,"end":1680.65,"confidence":0.9941406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.05423814803361893},{"word":"the","start":1680.65,"end":1680.8099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0336531400680542},{"word":"dip","start":1680.8099,"end":1681.3099,"confidence":0.9824219,"punctuated_word":"dip?","sentiment":"neutral","sentiment_score":-0.016549594700336456},{"word":"are","start":1681.53,"end":1681.77,"confidence":0.99902344,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.06535197794437408},{"word":"you","start":1681.77,"end":1681.9299,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05932632088661194},{"word":"likely","start":1681.9299,"end":1682.33,"confidence":0.9980469,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":-0.06278449296951294},{"word":"to","start":1682.33,"end":1682.49,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06308683753013611},{"word":"hold","start":1682.49,"end":1682.73,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.09003005921840668},{"word":"and","start":1682.73,"end":1682.89,"confidence":0.96240234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1173022985458374},{"word":"wait","start":1682.89,"end":1683.13,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.08518101274967194},{"word":"and","start":1683.13,"end":1683.37,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11066623032093048},{"word":"call","start":1683.37,"end":1683.69,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.10008201003074646},{"word":"us","start":1683.69,"end":1684.01,"confidence":0.8391113,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":-0.06273210048675537},{"word":"or","start":1684.01,"end":1684.33,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.11516641825437546},{"word":"are","start":1684.33,"end":1684.49,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.07030102610588074},{"word":"you","start":1684.49,"end":1684.8099,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07070891559123993},{"word":"a","start":1684.8099,"end":1684.89,"confidence":0.9165039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10939819365739822},{"word":"bit","start":1684.89,"end":1685.05,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.056691668927669525},{"word":"concerned","start":1685.05,"end":1685.53,"confidence":0.99609375,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.13424740731716156},{"word":"and","start":1685.53,"end":1685.77,"confidence":0.8618164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1296580582857132},{"word":"maybe","start":1685.77,"end":1686.01,"confidence":0.9550781,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.08874467015266418},{"word":"wanting","start":1686.01,"end":1686.33,"confidence":0.9970703,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.1120261549949646},{"word":"to","start":1686.33,"end":1686.49,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12368442118167876},{"word":"sell","start":1686.49,"end":1686.73,"confidence":0.99902344,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.1014673039317131},{"word":"your","start":1686.73,"end":1686.97,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.11069540679454803},{"word":"investments","start":1686.97,"end":1687.47,"confidence":0.97998047,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.0919562578201294},{"word":"to","start":1687.53,"end":1687.69,"confidence":0.9482422,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14294689893722534},{"word":"cash","start":1687.69,"end":1688.01,"confidence":0.99853516,"punctuated_word":"cash?","sentiment":"neutral","sentiment_score":-0.07863135635852814},{"word":"how","start":1688.01,"end":1688.17,"confidence":0.99609375,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.051023468375205994},{"word":"do","start":1688.17,"end":1688.33,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.039200425148010254},{"word":"you","start":1688.33,"end":1688.41,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03307149559259415},{"word":"think","start":1688.41,"end":1688.57,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04355394095182419},{"word":"you","start":1688.57,"end":1688.73,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.045065201818943024},{"word":"might","start":1688.73,"end":1688.97,"confidence":0.9980469,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.040805790573358536},{"word":"react","start":1688.97,"end":1689.315,"confidence":0.986084,"punctuated_word":"react?","sentiment":"neutral","sentiment_score":-0.03959339112043381},{"word":"how","start":1696.595,"end":1696.835,"confidence":0.6982422,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.07708726823329926},{"word":"do","start":1696.835,"end":1696.9149,"confidence":0.7607422,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08989597111940384},{"word":"sorry","start":1697.235,"end":1697.735,"confidence":0.98413086,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.07084409892559052},{"word":"does","start":1702.19,"end":1702.35,"confidence":0.6694336,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.001960769295692444},{"word":"that","start":1702.35,"end":1702.59,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0046609751880168915},{"word":"yeah","start":1702.75,"end":1703.15,"confidence":0.99316406,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.022665439173579216},{"word":"you're","start":1703.15,"end":1703.3099,"confidence":0.9980469,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.10927283763885498},{"word":"right","start":1703.3099,"end":1703.63,"confidence":0.98657227,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.17111362516880035},{"word":"give","start":1703.63,"end":1703.87,"confidence":0.98828125,"punctuated_word":"Give","sentiment":"neutral","sentiment_score":0.11011487990617752},{"word":"us","start":1703.87,"end":1704.03,"confidence":0.99902344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.0791935846209526},{"word":"a","start":1704.03,"end":1704.11,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07641484588384628},{"word":"call","start":1704.11,"end":1704.35,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.07264699041843414},{"word":"and","start":1704.35,"end":1704.4299,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10541857033967972},{"word":"see","start":1704.4299,"end":1704.59,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10507562011480331},{"word":"what","start":1704.59,"end":1704.75,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0793609470129013},{"word":"we","start":1704.75,"end":1704.91,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09189210087060928},{"word":"suggest","start":1704.91,"end":1705.3099,"confidence":0.99609375,"punctuated_word":"suggest","sentiment":"neutral","sentiment_score":0.0596800334751606},{"word":"you","start":1705.3099,"end":1705.47,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06315965205430984},{"word":"do","start":1705.47,"end":1705.97,"confidence":0.967041,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.09197944402694702},{"word":"good","start":1707.63,"end":1707.87,"confidence":0.99902344,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.43732982873916626},{"word":"answer","start":1707.87,"end":1708.27,"confidence":0.9995117,"punctuated_word":"answer.","sentiment":"positive","sentiment_score":0.34124404191970825},{"word":"that's","start":1708.27,"end":1708.51,"confidence":0.92407227,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.29749196767807007},{"word":"what","start":1708.51,"end":1708.59,"confidence":0.54248047,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2842737138271332},{"word":"you","start":1708.59,"end":1708.75,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3301319479942322},{"word":"have","start":1708.75,"end":1708.99,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2859201431274414},{"word":"us","start":1708.99,"end":1709.23,"confidence":0.921875,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.26165512204170227},{"word":"for","start":1709.23,"end":1709.73,"confidence":0.99560547,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":0.2286659479141235},{"word":"and","start":1711.07,"end":1711.3099,"confidence":0.78564453,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.017808139324188232},{"word":"the","start":1711.3099,"end":1711.47,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01401682198047638},{"word":"last","start":1711.47,"end":1711.71,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.004208285361528397},{"word":"one","start":1711.71,"end":1711.95,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.005079440772533417},{"word":"here","start":1711.95,"end":1712.11,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.008996538817882538},{"word":"is","start":1712.11,"end":1712.35,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.012899599969387054},{"word":"have","start":1712.35,"end":1712.51,"confidence":0.5073242,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.028005678206682205},{"word":"you","start":1712.51,"end":1712.59,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03385738283395767},{"word":"ever","start":1712.59,"end":1712.91,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.01979447156190872},{"word":"seen","start":1712.91,"end":1713.15,"confidence":0.99902344,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.030742231756448746},{"word":"your","start":1713.15,"end":1713.3099,"confidence":0.8232422,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04621368646621704},{"word":"super","start":1713.3099,"end":1713.71,"confidence":0.9453125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.05601484328508377},{"word":"fall","start":1713.71,"end":1713.95,"confidence":0.7373047,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":-0.019314147531986237},{"word":"in","start":1713.95,"end":1714.11,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.058202218264341354},{"word":"value","start":1714.11,"end":1714.59,"confidence":0.85839844,"punctuated_word":"value?","sentiment":"neutral","sentiment_score":-0.08500773459672928},{"word":"if","start":1714.59,"end":1714.75,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.04960793256759643},{"word":"you","start":1714.75,"end":1714.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05204308032989502},{"word":"have","start":1714.91,"end":1715.15,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05120236426591873},{"word":"in","start":1715.15,"end":1715.39,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04030703380703926},{"word":"the","start":1715.39,"end":1715.5499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02413787692785263},{"word":"past","start":1715.5499,"end":1716.0499,"confidence":0.99902344,"punctuated_word":"past,","sentiment":"neutral","sentiment_score":-0.017873616889119148},{"word":"how","start":1716.505,"end":1716.665,"confidence":0.9790039,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.017608195543289185},{"word":"do","start":1716.665,"end":1716.825,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.01663389801979065},{"word":"you","start":1716.825,"end":1716.985,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024102717638015747},{"word":"think","start":1716.985,"end":1717.145,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0013555362820625303},{"word":"that","start":1717.145,"end":1717.385,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0051618292927742},{"word":"makes","start":1717.385,"end":1717.705,"confidence":0.99609375,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.003704540431499481},{"word":"you","start":1717.705,"end":1717.945,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.003772504627704621},{"word":"feel","start":1717.945,"end":1718.265,"confidence":0.9995117,"punctuated_word":"feel?","sentiment":"neutral","sentiment_score":-0.008841663599014282},{"word":"are","start":1718.265,"end":1718.4249,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.05681566148996353},{"word":"you","start":1718.4249,"end":1718.665,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.020957112312316895},{"word":"optimistic","start":1718.665,"end":1719.165,"confidence":1.0,"punctuated_word":"optimistic","sentiment":"neutral","sentiment_score":0.04171556234359741},{"word":"about","start":1719.3049,"end":1719.5449,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06613591313362122},{"word":"the","start":1719.5449,"end":1719.785,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027340278029441833},{"word":"investment","start":1719.785,"end":1720.265,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.01617935299873352},{"word":"opportunities","start":1720.265,"end":1720.765,"confidence":0.99853516,"punctuated_word":"opportunities?","sentiment":"neutral","sentiment_score":-0.024284426122903824},{"word":"are","start":1721.3049,"end":1721.5449,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.09845172613859177},{"word":"you","start":1721.5449,"end":1721.705,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07381615042686462},{"word":"feeling","start":1721.705,"end":1722.025,"confidence":1.0,"punctuated_word":"feeling","sentiment":"neutral","sentiment_score":-0.10074205696582794},{"word":"cautious","start":1722.025,"end":1722.525,"confidence":0.98217773,"punctuated_word":"cautious,","sentiment":"neutral","sentiment_score":-0.10828243941068648},{"word":"concerned","start":1722.585,"end":1722.985,"confidence":0.97216797,"punctuated_word":"concerned,","sentiment":"neutral","sentiment_score":-0.14984442293643951},{"word":"or","start":1722.985,"end":1723.145,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.14659041166305542},{"word":"a","start":1723.145,"end":1723.225,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18000289797782898},{"word":"bit","start":1723.225,"end":1723.465,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.17474132776260376},{"word":"anxious","start":1723.465,"end":1723.945,"confidence":1.0,"punctuated_word":"anxious","sentiment":"neutral","sentiment_score":-0.1697435826063156},{"word":"about","start":1723.945,"end":1724.1849,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.2087678462266922},{"word":"the","start":1724.1849,"end":1724.345,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1936446726322174},{"word":"market","start":1724.345,"end":1724.745,"confidence":0.99902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.17388197779655457},{"word":"dipping","start":1724.745,"end":1725.145,"confidence":0.9824219,"punctuated_word":"dipping?","sentiment":"neutral","sentiment_score":-0.1364334225654602},{"word":"how","start":1725.145,"end":1725.3049,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.05091215670108795},{"word":"do","start":1725.3049,"end":1725.465,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0461062490940094},{"word":"you","start":1725.465,"end":1725.625,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03470086678862572},{"word":"think","start":1725.625,"end":1725.785,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04073682799935341},{"word":"you","start":1725.785,"end":1725.945,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05119449645280838},{"word":"might","start":1725.945,"end":1726.265,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.036977145820856094},{"word":"feel","start":1726.265,"end":1726.765,"confidence":0.9995117,"punctuated_word":"feel?","sentiment":"neutral","sentiment_score":-0.02986017055809498},{"word":"yeah","start":1737.2999,"end":1737.7,"confidence":0.9289551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.064520925283432},{"word":"absolutely","start":1737.7,"end":1738.2,"confidence":0.99902344,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.19621403515338895},{"word":"perfect","start":1738.6599,"end":1739.1599,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.29418832063674927},{"word":"and","start":1740.74,"end":1741.0599,"confidence":0.5708008,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.064697265625},{"word":"then","start":1741.0599,"end":1741.38,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07301609218120575},{"word":"the","start":1741.38,"end":1741.46,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.057249754667282104},{"word":"last","start":1741.46,"end":1741.7799,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.051729731261730194},{"word":"one","start":1741.7799,"end":1742.02,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06553789228200912},{"word":"is","start":1742.02,"end":1742.355,"confidence":0.8305664,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.03919994831085205},{"word":"have","start":1742.4349,"end":1742.515,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01781025528907776},{"word":"you","start":1742.515,"end":1742.755,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024569200351834297},{"word":"ever","start":1742.755,"end":1742.995,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.026436399668455124},{"word":"considered","start":1742.995,"end":1743.495,"confidence":0.99902344,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.01979616656899452},{"word":"borrowing","start":1743.5549,"end":1744.0549,"confidence":0.9980469,"punctuated_word":"borrowing","sentiment":"neutral","sentiment_score":0.042557716369628906},{"word":"for","start":1744.275,"end":1744.595,"confidence":0.9584961,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.027004141360521317},{"word":"say","start":1744.595,"end":1745.075,"confidence":0.99853516,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.03873348981142044},{"word":"investing","start":1745.075,"end":1745.475,"confidence":1.0,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.03826029971241951},{"word":"in","start":1745.475,"end":1745.715,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05489381030201912},{"word":"shares","start":1745.715,"end":1746.035,"confidence":0.99316406,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.06733231991529465},{"word":"or","start":1746.035,"end":1746.195,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.036947570741176605},{"word":"managed","start":1746.195,"end":1746.515,"confidence":0.74853516,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.05077555403113365},{"word":"funds","start":1746.515,"end":1746.835,"confidence":0.8935547,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.03168361261487007},{"word":"or","start":1746.835,"end":1747.075,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01321231573820114},{"word":"would","start":1747.075,"end":1747.235,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03895679861307144},{"word":"you","start":1747.235,"end":1747.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034860167652368546},{"word":"only","start":1747.395,"end":1747.715,"confidence":0.9921875,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.02486959472298622},{"word":"ever","start":1747.715,"end":1747.955,"confidence":0.97998047,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.04821553826332092},{"word":"borrow","start":1747.955,"end":1748.355,"confidence":0.97998047,"punctuated_word":"borrow","sentiment":"neutral","sentiment_score":0.017508424818515778},{"word":"property","start":1748.355,"end":1748.855,"confidence":0.75561523,"punctuated_word":"property?","sentiment":"neutral","sentiment_score":0.024188922718167305},{"word":"yep","start":1754.6749,"end":1754.995,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03988577425479889},{"word":"are","start":1754.995,"end":1755.155,"confidence":0.99902344,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.008428143337368965},{"word":"you","start":1755.155,"end":1755.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022529352456331253},{"word":"open","start":1755.395,"end":1755.715,"confidence":0.99609375,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.021341070532798767},{"word":"to","start":1755.715,"end":1755.955,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05642695352435112},{"word":"invest","start":1755.955,"end":1756.455,"confidence":0.9970703,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.03662803769111633},{"word":"buying","start":1756.595,"end":1757.095,"confidence":0.5053711,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.031290262937545776},{"word":"just","start":1757.2999,"end":1757.62,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.012492042034864426},{"word":"your","start":1757.62,"end":1757.7,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.026198092848062515},{"word":"main","start":1757.7,"end":1758.02,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.03649190813302994},{"word":"primary","start":1758.02,"end":1758.4199,"confidence":0.9951172,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.05268526077270508},{"word":"residence","start":1758.4199,"end":1758.9199,"confidence":0.9760742,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.07030481100082397},{"word":"down","start":1758.98,"end":1759.14,"confidence":0.98535156,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.046643681824207306},{"word":"the","start":1759.14,"end":1759.2999,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06940905749797821},{"word":"track","start":1759.2999,"end":1759.5399,"confidence":0.8244629,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.042044855654239655},{"word":"or","start":1759.5399,"end":1759.78,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.007679488509893417},{"word":"are","start":1759.78,"end":1759.86,"confidence":0.8613281,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.015908323228359222},{"word":"you","start":1759.86,"end":1760.02,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03682275116443634},{"word":"open","start":1760.02,"end":1760.34,"confidence":0.99902344,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.024414274841547012},{"word":"to","start":1760.34,"end":1760.5,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05754682049155235},{"word":"having","start":1760.5,"end":1760.82,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.05361403152346611},{"word":"an","start":1760.82,"end":1760.98,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.04812074825167656},{"word":"investment","start":1760.98,"end":1761.48,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.026175033301115036},{"word":"down","start":1761.5399,"end":1761.7,"confidence":0.98095703,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.048679690808057785},{"word":"the","start":1761.7,"end":1761.78,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.060380082577466965},{"word":"track","start":1761.78,"end":1762.1,"confidence":0.80029297,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.05106736719608307},{"word":"or","start":1762.1,"end":1762.34,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.032175954431295395},{"word":"what's","start":1762.34,"end":1762.58,"confidence":0.99609375,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.03424375504255295},{"word":"your","start":1762.58,"end":1762.74,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.027452845126390457},{"word":"sort","start":1762.74,"end":1762.98,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.025425348430871964},{"word":"of","start":1762.98,"end":1763.0599,"confidence":0.92822266,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02725725620985031},{"word":"thoughts","start":1763.0599,"end":1763.5599,"confidence":0.9633789,"punctuated_word":"thoughts?","sentiment":"neutral","sentiment_score":0.02107294090092182},{"word":"yep","start":1770.34,"end":1770.765,"confidence":0.9807129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06038907915353775},{"word":"yep","start":1770.845,"end":1771.085,"confidence":0.9848633,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1052304208278656},{"word":"that's","start":1771.085,"end":1771.245,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.276774138212204},{"word":"okay","start":1771.245,"end":1771.745,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.28303152322769165},{"word":"beautiful","start":1771.805,"end":1772.305,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6388401389122009},{"word":"fantastic","start":1772.605,"end":1773.105,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6422984004020691},{"word":"now","start":1774.365,"end":1774.605,"confidence":0.7758789,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.4190167188644409},{"word":"with","start":1774.605,"end":1774.925,"confidence":0.9863281,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3407255709171295},{"word":"what","start":1774.925,"end":1775.165,"confidence":0.5083008,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.33822041749954224},{"word":"you","start":1775.165,"end":1775.405,"confidence":0.95410156,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3699972331523895},{"word":"scored","start":1775.405,"end":1775.805,"confidence":0.50683594,"punctuated_word":"scored","sentiment":"positive","sentiment_score":0.35082679986953735},{"word":"there","start":1775.805,"end":1776.125,"confidence":0.9790039,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.29651758074760437},{"word":"you","start":1776.125,"end":1776.285,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2579806447029114},{"word":"have","start":1776.285,"end":1776.605,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23915348947048187},{"word":"scored","start":1776.605,"end":1777.085,"confidence":0.9980469,"punctuated_word":"scored","sentiment":"neutral","sentiment_score":0.3105790615081787},{"word":"as","start":1777.085,"end":1777.5651,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2908438444137573},{"word":"a","start":1777.5651,"end":1777.965,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2976837754249573},{"word":"growth","start":1777.965,"end":1778.4451,"confidence":0.9921875,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3645293414592743},{"word":"investor","start":1778.4451,"end":1778.9451,"confidence":0.99853516,"punctuated_word":"investor.","sentiment":"neutral","sentiment_score":0.02482381835579872},{"word":"at","start":1779.485,"end":1779.725,"confidence":0.99902344,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.04683563858270645},{"word":"the","start":1779.725,"end":1779.885,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05352096259593963},{"word":"moment","start":1779.885,"end":1780.285,"confidence":0.9904785,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.05195820331573486},{"word":"we","start":1780.285,"end":1780.4451,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08501783013343811},{"word":"have","start":1780.4451,"end":1780.605,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0804130956530571},{"word":"you","start":1780.605,"end":1780.765,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06239801272749901},{"word":"in","start":1780.765,"end":1781.005,"confidence":0.921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07861734181642532},{"word":"more","start":1781.005,"end":1781.165,"confidence":0.9316406,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.04825982823967934},{"word":"of","start":1781.165,"end":1781.3251,"confidence":0.87841797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05644521117210388},{"word":"that","start":1781.3251,"end":1781.485,"confidence":0.9448242,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06999774277210236},{"word":"high","start":1781.485,"end":1781.725,"confidence":0.99609375,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.064904123544693},{"word":"growth","start":1781.725,"end":1782.125,"confidence":0.99316406,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.09011153876781464},{"word":"environment","start":1782.125,"end":1782.625,"confidence":0.83496094,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":0.06992139667272568},{"word":"which","start":1782.685,"end":1783.005,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.05615012347698212},{"word":"sees","start":1783.005,"end":1783.3251,"confidence":0.8378906,"punctuated_word":"sees","sentiment":"neutral","sentiment_score":0.07232289016246796},{"word":"about","start":1783.3251,"end":1783.5651,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07322847843170166},{"word":"90%","start":1783.5651,"end":1784.205,"confidence":0.99658203,"punctuated_word":"90%","sentiment":"neutral","sentiment_score":0.07148370891809464},{"word":"of","start":1784.205,"end":1784.285,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05885892361402512},{"word":"your","start":1784.285,"end":1784.4451,"confidence":0.9404297,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0888582319021225},{"word":"super","start":1784.4451,"end":1784.925,"confidence":0.94921875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.09368579089641572},{"word":"invested","start":1784.925,"end":1785.3,"confidence":0.40307617,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.05308394879102707},{"word":"in","start":1785.3,"end":1785.54,"confidence":0.83251953,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08183801174163818},{"word":"growth","start":1785.54,"end":1785.78,"confidence":0.94628906,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.04890576750040054},{"word":"assets","start":1785.78,"end":1786.26,"confidence":0.8977051,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.049263231456279755},{"word":"so","start":1786.26,"end":1786.5,"confidence":0.9589844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0477227047085762},{"word":"think","start":1786.5,"end":1786.74,"confidence":0.9790039,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05192015692591667},{"word":"about","start":1786.74,"end":1786.9801,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07496549934148788},{"word":"things","start":1786.9801,"end":1787.2201,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.09354475140571594},{"word":"like","start":1787.2201,"end":1787.4601,"confidence":0.9394531,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05674299970269203},{"word":"australian","start":1787.4601,"end":1787.9401,"confidence":0.97802734,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.08648593723773956},{"word":"and","start":1787.9401,"end":1788.02,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05683081969618797},{"word":"international","start":1788.02,"end":1788.52,"confidence":0.96777344,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.06027998775243759},{"word":"shares","start":1788.74,"end":1789.14,"confidence":0.90112305,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.0699954628944397},{"word":"listed","start":1789.14,"end":1789.4601,"confidence":0.9863281,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.06101733818650246},{"word":"property","start":1789.4601,"end":1789.8601,"confidence":0.99902344,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.04651595279574394},{"word":"and","start":1789.8601,"end":1790.1001,"confidence":0.6303711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05334758013486862},{"word":"commodities","start":1790.1001,"end":1790.6001,"confidence":0.90112305,"punctuated_word":"commodities,","sentiment":"neutral","sentiment_score":0.06594275683164597},{"word":"and","start":1791.3,"end":1791.4601,"confidence":0.6357422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07068265229463577},{"word":"then","start":1791.4601,"end":1791.62,"confidence":0.9326172,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0627099946141243},{"word":"the","start":1791.62,"end":1791.78,"confidence":0.6328125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06753764301538467},{"word":"end","start":1791.78,"end":1791.9401,"confidence":0.44677734,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.05830333009362221},{"word":"of","start":1791.9401,"end":1792.18,"confidence":0.7944336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06150531768798828},{"word":"10%","start":1792.18,"end":1792.8201,"confidence":0.9680176,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.06861566752195358},{"word":"in","start":1792.8201,"end":1792.9801,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07472790777683258},{"word":"lower","start":1792.9801,"end":1793.3,"confidence":0.9980469,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.06852617859840393},{"word":"risk","start":1793.3,"end":1793.62,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.022759057581424713},{"word":"defensive","start":1793.62,"end":1794.12,"confidence":0.8691406,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.035698287189006805},{"word":"investments","start":1794.26,"end":1794.76,"confidence":0.89038086,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.05695049837231636},{"word":"with","start":1795.3,"end":1795.54,"confidence":0.97509766,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.0951024442911148},{"word":"where","start":1795.54,"end":1795.7001,"confidence":0.9770508,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.10162711888551712},{"word":"you","start":1795.7001,"end":1795.9401,"confidence":0.58251953,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13954609632492063},{"word":"scored","start":1795.9401,"end":1796.26,"confidence":0.62939453,"punctuated_word":"scored","sentiment":"neutral","sentiment_score":0.1499885767698288},{"word":"at","start":1796.26,"end":1796.42,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1225391998887062},{"word":"the","start":1796.42,"end":1796.5801,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13654059171676636},{"word":"moment","start":1796.5801,"end":1796.9,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.10430216044187546},{"word":"would","start":1796.9,"end":1797.06,"confidence":0.7138672,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.13162168860435486},{"word":"see","start":1797.06,"end":1797.2201,"confidence":0.9921875,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11664772033691406},{"word":"us","start":1797.2201,"end":1797.4601,"confidence":0.99609375,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.1056305170059204},{"word":"reduce","start":1797.4601,"end":1797.8601,"confidence":0.9873047,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.09088682383298874},{"word":"your","start":1797.8601,"end":1798.02,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09334850311279295},{"word":"risk","start":1798.02,"end":1798.395,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.025945384055376053},{"word":"back","start":1798.555,"end":1798.795,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.07015755772590637},{"word":"a","start":1798.795,"end":1798.875,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08050447702407837},{"word":"little","start":1798.875,"end":1799.035,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.08103124052286148},{"word":"bit","start":1799.035,"end":1799.275,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08714020997285843},{"word":"by","start":1799.275,"end":1799.515,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.07336034625768661},{"word":"10%","start":1799.515,"end":1800.155,"confidence":1.0,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.07872400432825089},{"word":"to","start":1800.155,"end":1800.395,"confidence":0.8701172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06830084323883057},{"word":"see","start":1800.395,"end":1800.635,"confidence":0.98535156,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.08173955231904984},{"word":"80%","start":1800.635,"end":1801.275,"confidence":0.9995117,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.07826310396194458},{"word":"invested","start":1801.275,"end":1801.675,"confidence":0.99902344,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.06960269063711166},{"word":"in","start":1801.675,"end":1801.835,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08740340918302536},{"word":"those","start":1801.835,"end":1802.155,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09229660034179688},{"word":"higher","start":1802.155,"end":1802.475,"confidence":0.9980469,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.049390144646167755},{"word":"risk","start":1802.475,"end":1802.875,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.04447421431541443},{"word":"investments","start":1802.875,"end":1803.375,"confidence":0.9885254,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.06336122751235962},{"word":"realistically","start":1804.155,"end":1804.655,"confidence":0.84195966,"punctuated_word":"Realistically,","sentiment":"neutral","sentiment_score":0.15733851492404938},{"word":"for","start":1804.875,"end":1805.035,"confidence":0.9819336,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20080392062664032},{"word":"your","start":1805.035,"end":1805.275,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21310915052890775},{"word":"time","start":1805.275,"end":1805.775,"confidence":0.9995117,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.22344759106636047},{"word":"your","start":1805.835,"end":1806.155,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21814608573913577},{"word":"stage","start":1806.155,"end":1806.555,"confidence":0.9560547,"punctuated_word":"stage,","sentiment":"neutral","sentiment_score":0.19089534878730777},{"word":"and","start":1806.555,"end":1806.795,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20690830051898956},{"word":"your","start":1806.795,"end":1806.9551,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19343549013137817},{"word":"time","start":1806.9551,"end":1807.1951,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1564505696296692},{"word":"horizon","start":1807.1951,"end":1807.6951,"confidence":0.99853516,"punctuated_word":"horizon,","sentiment":"neutral","sentiment_score":0.19386586546897888},{"word":"you","start":1807.835,"end":1808.0751,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2710818946361542},{"word":"absolutely","start":1808.0751,"end":1808.555,"confidence":0.9941406,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.26020321249961853},{"word":"can","start":1808.555,"end":1808.795,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.255389004945755},{"word":"be","start":1808.795,"end":1808.9551,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2456875741481781},{"word":"in","start":1808.9551,"end":1809.115,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2331582307815552},{"word":"that","start":1809.115,"end":1809.355,"confidence":0.85253906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1911509931087494},{"word":"high","start":1809.355,"end":1809.515,"confidence":0.98095703,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.14453426003456116},{"word":"growth","start":1809.515,"end":1809.915,"confidence":0.9921875,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2139308899641037},{"word":"environment","start":1809.915,"end":1810.415,"confidence":1.0,"punctuated_word":"environment","sentiment":"neutral","sentiment_score":0.22033461928367615},{"word":"longer","start":1810.555,"end":1811.055,"confidence":0.99902344,"punctuated_word":"longer.","sentiment":"neutral","sentiment_score":0.14177732169628143},{"word":"it's","start":1811.2699,"end":1811.5099,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.12466941773891448},{"word":"more","start":1811.5099,"end":1811.6699,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.12295086681842804},{"word":"about","start":1811.6699,"end":1811.99,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1340385377407074},{"word":"this","start":1811.99,"end":1812.23,"confidence":0.71191406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.14644238352775574},{"word":"understanding","start":1812.23,"end":1812.73,"confidence":1.0,"punctuated_word":"understanding","sentiment":"neutral","sentiment_score":0.1396801471710205},{"word":"that","start":1812.87,"end":1813.0299,"confidence":0.8984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08233552426099777},{"word":"that","start":1813.0299,"end":1813.19,"confidence":0.9526367,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06982120871543884},{"word":"takes","start":1813.19,"end":1813.59,"confidence":1.0,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.0487687923014164},{"word":"on","start":1813.59,"end":1813.83,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06864725053310394},{"word":"a","start":1813.83,"end":1813.99,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.049747295677661896},{"word":"little","start":1813.99,"end":1814.1499,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.05387606099247933},{"word":"bit","start":1814.1499,"end":1814.3899,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.057125043123960495},{"word":"more","start":1814.3899,"end":1814.5499,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.04970128834247589},{"word":"risk","start":1814.5499,"end":1814.7899,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.0387723408639431},{"word":"in","start":1814.7899,"end":1814.95,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.041163355112075806},{"word":"the","start":1814.95,"end":1815.11,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03724760189652443},{"word":"market","start":1815.11,"end":1815.59,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.059914905577898026},{"word":"to","start":1815.59,"end":1815.75,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06664326041936874},{"word":"get","start":1815.75,"end":1815.99,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10153689235448836},{"word":"greater","start":1815.99,"end":1816.23,"confidence":0.9980469,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.061220813542604446},{"word":"potential","start":1816.23,"end":1816.73,"confidence":0.99902344,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":0.09066392481327055},{"word":"returns","start":1816.7899,"end":1817.2899,"confidence":0.8354492,"punctuated_word":"returns.","sentiment":"neutral","sentiment_score":0.108023501932621},{"word":"realistically","start":1817.99,"end":1818.49,"confidence":0.89436847,"punctuated_word":"Realistically,","sentiment":"neutral","sentiment_score":0.07675525546073914},{"word":"a","start":1818.71,"end":1818.7899,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07966935634613037},{"word":"high","start":1818.7899,"end":1819.0299,"confidence":0.9892578,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.07543729990720749},{"word":"growth","start":1819.0299,"end":1819.35,"confidence":0.9892578,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.06715409457683563},{"word":"portfolio","start":1819.35,"end":1819.85,"confidence":0.9123535,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.052854105830192566},{"word":"you're","start":1820.1499,"end":1820.3899,"confidence":0.9736328,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.059331148862838745},{"word":"wanting","start":1820.3899,"end":1820.71,"confidence":0.99902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.07413998246192932},{"word":"to","start":1820.71,"end":1820.7899,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07522265613079071},{"word":"try","start":1820.7899,"end":1820.95,"confidence":0.9980469,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.09526118636131288},{"word":"and","start":1820.95,"end":1821.19,"confidence":0.7871094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07092606276273727},{"word":"average","start":1821.19,"end":1821.5099,"confidence":0.99902344,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.06427676230669022},{"word":"around","start":1821.5099,"end":1821.83,"confidence":0.99121094,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.09121355414390564},{"word":"about","start":1821.83,"end":1822.07,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07861250638961792},{"word":"eight","start":1822.07,"end":1822.23,"confidence":0.99609375,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.06315601617097855},{"word":"to","start":1822.23,"end":1822.3899,"confidence":0.9506836,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04240108281373978},{"word":"10%","start":1822.3899,"end":1823.1299,"confidence":1.0,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.06888951361179352},{"word":"on","start":1823.5099,"end":1823.6699,"confidence":0.9316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07134544104337692},{"word":"a","start":1823.6699,"end":1823.83,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.059099458158016205},{"word":"yearly","start":1823.83,"end":1824.1499,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.061791643500328064},{"word":"basis","start":1824.1499,"end":1824.6499,"confidence":0.9970703,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.06849101930856705},{"word":"compounding","start":1824.71,"end":1825.21,"confidence":0.9321289,"punctuated_word":"compounding","sentiment":"neutral","sentiment_score":0.07930499315261841},{"word":"that","start":1825.2699,"end":1825.5099,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.059530556201934814},{"word":"forward","start":1825.5099,"end":1826.0099,"confidence":0.98095703,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.04523403197526932},{"word":"we","start":1826.565,"end":1826.725,"confidence":0.9902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.05075700208544731},{"word":"do","start":1826.725,"end":1827.0449,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.007071256637573242},{"word":"know","start":1827.0449,"end":1827.365,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0273786261677742},{"word":"that","start":1827.365,"end":1827.5249,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022465810179710388},{"word":"you","start":1827.5249,"end":1827.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018655389547348022},{"word":"are","start":1827.845,"end":1828.085,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.00625339150428772},{"word":"expecting","start":1828.085,"end":1828.565,"confidence":0.97265625,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":-0.022491224110126495},{"word":"a","start":1828.565,"end":1828.8049,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01365465298295021},{"word":"negative","start":1828.8049,"end":1829.2849,"confidence":1.0,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.05953177809715271},{"word":"likely","start":1829.2849,"end":1829.5249,"confidence":0.9428711,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":-0.08296991884708405},{"word":"the","start":1829.765,"end":1829.9249,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.051214754581451416},{"word":"likelihood","start":1829.9249,"end":1830.4249,"confidence":0.99902344,"punctuated_word":"likelihood","sentiment":"neutral","sentiment_score":-0.07438157498836517},{"word":"of","start":1830.485,"end":1830.645,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05168931558728218},{"word":"a","start":1830.645,"end":1830.725,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06894813477993011},{"word":"negative","start":1830.725,"end":1831.125,"confidence":1.0,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.0929275080561638},{"word":"return","start":1831.125,"end":1831.5249,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":-0.07962936908006668},{"word":"around","start":1831.5249,"end":1831.845,"confidence":0.98291016,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.012062672525644302},{"word":"about","start":1831.845,"end":1832.005,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.012294784188270569},{"word":"one","start":1832.005,"end":1832.1649,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.036335259675979614},{"word":"in","start":1832.1649,"end":1832.4049,"confidence":0.90771484,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0247582346200943},{"word":"every","start":1832.4049,"end":1832.725,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.023659903556108475},{"word":"five","start":1832.725,"end":1832.965,"confidence":0.9980469,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.04113161563873291},{"word":"years","start":1832.965,"end":1833.465,"confidence":0.90356445,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.016975464299321175},{"word":"but","start":1834.005,"end":1834.085,"confidence":0.9892578,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.030939117074012756},{"word":"it","start":1834.085,"end":1834.245,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06493787467479706},{"word":"does","start":1834.245,"end":1834.485,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07727663218975067},{"word":"suit","start":1834.485,"end":1834.8049,"confidence":0.97509766,"punctuated_word":"suit","sentiment":"neutral","sentiment_score":0.06525376439094543},{"word":"your","start":1834.8049,"end":1834.965,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06300172954797745},{"word":"time","start":1834.965,"end":1835.2849,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07186293601989746},{"word":"horizon","start":1835.2849,"end":1835.765,"confidence":0.98291016,"punctuated_word":"horizon.","sentiment":"neutral","sentiment_score":0.027099361643195152},{"word":"you","start":1835.765,"end":1835.9249,"confidence":0.99609375,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.01671307161450386},{"word":"do","start":1835.9249,"end":1836.085,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04059115797281265},{"word":"have","start":1836.085,"end":1836.325,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.046345584094524384},{"word":"more","start":1836.325,"end":1836.485,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.03149282932281494},{"word":"than","start":1836.485,"end":1836.725,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.04003196209669113},{"word":"eight","start":1836.725,"end":1836.885,"confidence":1.0,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.03384154289960861},{"word":"years","start":1836.885,"end":1837.125,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.04369479790329933},{"word":"ahead","start":1837.125,"end":1837.365,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.055440932512283325},{"word":"of","start":1837.365,"end":1837.5249,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04603685811161995},{"word":"you","start":1837.5249,"end":1837.6849,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03672930225729942},{"word":"before","start":1837.6849,"end":1838.005,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.03138558194041252},{"word":"accessing","start":1838.005,"end":1838.505,"confidence":1.0,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.030900731682777405},{"word":"super","start":1838.645,"end":1839.145,"confidence":0.6524658,"punctuated_word":"Super.","sentiment":"neutral","sentiment_score":0.0481584370136261},{"word":"did","start":1839.8099,"end":1839.97,"confidence":0.9863281,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.04678458347916603},{"word":"you","start":1839.97,"end":1840.13,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05400114506483078},{"word":"wanna","start":1840.13,"end":1840.37,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0610479973256588},{"word":"stay","start":1840.37,"end":1840.69,"confidence":0.9980469,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.05789528042078018},{"word":"in","start":1840.69,"end":1840.85,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04939676448702812},{"word":"that","start":1840.85,"end":1841.01,"confidence":0.79541016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05570843443274498},{"word":"high","start":1841.01,"end":1841.25,"confidence":0.9589844,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.05653493478894234},{"word":"growth","start":1841.25,"end":1841.57,"confidence":0.99316406,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.0883980467915535},{"word":"environment","start":1841.57,"end":1842.07,"confidence":0.99609375,"punctuated_word":"environment","sentiment":"neutral","sentiment_score":0.07745754718780518},{"word":"for","start":1842.13,"end":1842.2899,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05491004139184952},{"word":"longer","start":1842.2899,"end":1842.61,"confidence":0.8664551,"punctuated_word":"longer,","sentiment":"neutral","sentiment_score":0.06126730889081955},{"word":"or","start":1842.61,"end":1842.7699,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.051483262330293655},{"word":"did","start":1842.7699,"end":1842.9299,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.034452371299266815},{"word":"you","start":1842.9299,"end":1843.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05366213247179985},{"word":"wanna","start":1843.01,"end":1843.25,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.06740262359380722},{"word":"look","start":1843.25,"end":1843.49,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.054462652653455734},{"word":"at","start":1843.49,"end":1843.57,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03711085394024849},{"word":"maybe","start":1843.57,"end":1843.8099,"confidence":0.9526367,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.06360277533531189},{"word":"reducing","start":1843.8099,"end":1844.21,"confidence":0.9941406,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.04428567364811897},{"word":"your","start":1844.21,"end":1844.45,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.025920961052179337},{"word":"risk","start":1844.45,"end":1844.7699,"confidence":0.9921875,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.0012133941054344175},{"word":"level","start":1844.7699,"end":1845.01,"confidence":0.9970703,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.00016998499631881714},{"word":"back","start":1845.01,"end":1845.25,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.016608797013759613},{"word":"there","start":1845.25,"end":1845.49,"confidence":0.83496094,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.03699548169970512},{"word":"malcolm","start":1845.49,"end":1845.89,"confidence":0.99658203,"punctuated_word":"Malcolm?","sentiment":"neutral","sentiment_score":0.037128008902072906},{"word":"how","start":1845.89,"end":1846.0499,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.01662713661789894},{"word":"do","start":1846.0499,"end":1846.21,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.017205048352479935},{"word":"you","start":1846.21,"end":1846.37,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024950407445430756},{"word":"feel","start":1846.37,"end":1846.87,"confidence":0.9995117,"punctuated_word":"feel?","sentiment":"neutral","sentiment_score":0.01890541985630989},{"word":"you","start":1851.6499,"end":1851.8099,"confidence":0.57128906,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.2529871165752411},{"word":"feel","start":1851.8099,"end":1852.0499,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.1423053741455078},{"word":"comfortable","start":1852.0499,"end":1852.5499,"confidence":0.99658203,"punctuated_word":"comfortable?","sentiment":"neutral","sentiment_score":-0.1592651009559631},{"word":"yeah","start":1852.61,"end":1852.85,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0831545740365982},{"word":"absolutely","start":1852.85,"end":1853.35,"confidence":0.99902344,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.19067975878715515},{"word":"not","start":1853.57,"end":1853.8099,"confidence":1.0,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.25343430042266846},{"word":"a","start":1853.8099,"end":1853.97,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.187307208776474},{"word":"problem","start":1853.97,"end":1854.37,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.27694326639175415},{"word":"at","start":1854.37,"end":1854.5299,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.24375569820404053},{"word":"all","start":1854.5299,"end":1855.005,"confidence":0.9975586,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.2638711929321289},{"word":"well","start":1855.085,"end":1855.405,"confidence":0.84033203,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.19633141160011292},{"word":"just","start":1855.405,"end":1855.485,"confidence":0.9790039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14652813971042633},{"word":"sort","start":1855.485,"end":1855.645,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.15500648319721222},{"word":"of","start":1855.645,"end":1855.885,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15637311339378357},{"word":"recapping","start":1855.885,"end":1856.285,"confidence":0.9995117,"punctuated_word":"recapping","sentiment":"neutral","sentiment_score":0.14924205839633942},{"word":"and","start":1856.285,"end":1856.445,"confidence":0.95410156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17327213287353516},{"word":"moving","start":1856.445,"end":1856.765,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.1794394999742508},{"word":"forward","start":1856.765,"end":1857.005,"confidence":0.9394531,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.18661803007125857},{"word":"i'll","start":1857.005,"end":1857.165,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.19164523482322693},{"word":"send","start":1857.165,"end":1857.405,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.18301571905612943},{"word":"you","start":1857.405,"end":1857.5651,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1887440085411072},{"word":"an","start":1857.5651,"end":1857.725,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1464535892009735},{"word":"email","start":1857.725,"end":1858.045,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.15515287220478058},{"word":"after","start":1858.045,"end":1858.285,"confidence":0.98291016,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.12331748753786088},{"word":"the","start":1858.285,"end":1858.445,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14676155149936676},{"word":"call","start":1858.445,"end":1858.685,"confidence":0.99316406,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.12836813926696777},{"word":"just","start":1858.685,"end":1859.005,"confidence":0.8730469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17248205840587616},{"word":"outlining","start":1859.005,"end":1859.325,"confidence":0.99316406,"punctuated_word":"outlining","sentiment":"neutral","sentiment_score":0.13869917392730713},{"word":"the","start":1859.325,"end":1859.5651,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12240606546401978},{"word":"insurance","start":1859.5651,"end":1860.045,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.14312773942947388},{"word":"side","start":1860.045,"end":1860.365,"confidence":0.9980469,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.12848539650440216},{"word":"of","start":1860.365,"end":1860.445,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14085668325424194},{"word":"things","start":1860.445,"end":1860.765,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.12478391081094742},{"word":"for","start":1860.765,"end":1861.005,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1503298580646515},{"word":"you","start":1861.005,"end":1861.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15077069401741028},{"word":"just","start":1861.165,"end":1861.405,"confidence":0.95947266,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1451040655374527},{"word":"to","start":1861.405,"end":1861.5651,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11308476328849792},{"word":"give","start":1861.5651,"end":1861.805,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.09898047149181366},{"word":"you","start":1861.805,"end":1861.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13326561450958252},{"word":"a","start":1861.965,"end":1862.045,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12857842445373535},{"word":"bit","start":1862.045,"end":1862.205,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0891374945640564},{"word":"more","start":1862.205,"end":1862.445,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.044525161385536194},{"word":"clarity","start":1862.445,"end":1862.845,"confidence":1.0,"punctuated_word":"clarity","sentiment":"neutral","sentiment_score":0.06161745637655258},{"word":"there","start":1862.845,"end":1863.345,"confidence":0.99658203,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.10732874274253844},{"word":"we'll","start":1864.045,"end":1864.545,"confidence":0.8964844,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.09775643050670624},{"word":"hold","start":1864.605,"end":1864.845,"confidence":0.9873047,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.0848405733704567},{"word":"on","start":1864.845,"end":1865.085,"confidence":0.9885254,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.09469373524188995},{"word":"there's","start":1865.085,"end":1865.405,"confidence":0.9995117,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.09216185659170152},{"word":"no","start":1865.405,"end":1865.5651,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.06288423389196396},{"word":"new","start":1865.5651,"end":1865.725,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.02096255123615265},{"word":"advice","start":1865.725,"end":1866.045,"confidence":0.97509766,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.006941467523574829},{"word":"to","start":1866.045,"end":1866.205,"confidence":0.96533203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04258739948272705},{"word":"sort","start":1866.205,"end":1866.445,"confidence":0.98095703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.010356046259403229},{"word":"of","start":1866.445,"end":1866.525,"confidence":0.68603516,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.033074408769607544},{"word":"worry","start":1866.525,"end":1866.845,"confidence":0.99609375,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":0.019603662192821503},{"word":"about","start":1866.845,"end":1867.085,"confidence":0.97998047,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01541689783334732},{"word":"currently","start":1867.085,"end":1867.5651,"confidence":0.98828125,"punctuated_word":"currently,","sentiment":"neutral","sentiment_score":0.04685453698039055},{"word":"but","start":1867.5651,"end":1867.725,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08721419423818588},{"word":"we","start":1867.725,"end":1867.965,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07947032153606415},{"word":"will","start":1867.965,"end":1868.205,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07101429998874664},{"word":"sort","start":1868.205,"end":1868.445,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04770686104893685},{"word":"of","start":1868.445,"end":1868.525,"confidence":0.9003906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06646104902029037},{"word":"catch","start":1868.525,"end":1868.845,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.0370856411755085},{"word":"up","start":1868.845,"end":1869.005,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03868168964982033},{"word":"in","start":1869.005,"end":1869.165,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05350141599774361},{"word":"about","start":1869.165,"end":1869.45,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0669444277882576},{"word":"six","start":1869.5299,"end":1869.85,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.06732883304357529},{"word":"months","start":1869.85,"end":1870.09,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.07279878109693527},{"word":"just","start":1870.09,"end":1870.33,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10733303427696228},{"word":"to","start":1870.33,"end":1870.49,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09873036295175552},{"word":"kinda","start":1870.49,"end":1870.8099,"confidence":0.93603516,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.09589439630508424},{"word":"review","start":1870.8099,"end":1871.2899,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.07208611816167831},{"word":"that","start":1871.2899,"end":1871.7899,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07650887966156006},{"word":"and","start":1872.1699,"end":1872.49,"confidence":0.5625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07774002104997635},{"word":"see","start":1872.49,"end":1872.73,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07163092494010925},{"word":"whether","start":1872.73,"end":1872.97,"confidence":0.9760742,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.043747428804636},{"word":"new","start":1872.97,"end":1873.21,"confidence":0.9863281,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.03397473320364952},{"word":"advice","start":1873.21,"end":1873.69,"confidence":0.98291016,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.010023467242717745},{"word":"is","start":1873.69,"end":1873.9299,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.019336532801389698},{"word":"required","start":1873.9299,"end":1874.4099,"confidence":1.0,"punctuated_word":"required","sentiment":"neutral","sentiment_score":0.017210673540830612},{"word":"down","start":1874.4099,"end":1874.6499,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0431528277695179},{"word":"the","start":1874.6499,"end":1874.8099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06393489241600037},{"word":"track","start":1874.8099,"end":1875.0499,"confidence":0.890625,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.06142298877239227},{"word":"we'll","start":1875.0499,"end":1875.2899,"confidence":0.98461914,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.1078307256102562},{"word":"sort","start":1875.2899,"end":1875.45,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07841496169567108},{"word":"of","start":1875.45,"end":1875.5299,"confidence":0.93359375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10322552919387816},{"word":"watch","start":1875.5299,"end":1875.7699,"confidence":0.9550781,"punctuated_word":"watch","sentiment":"neutral","sentiment_score":0.08537083864212036},{"word":"your","start":1875.7699,"end":1876.1699,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09312012046575546},{"word":"soup","start":1876.1699,"end":1876.6699,"confidence":0.9194336,"punctuated_word":"soup","sentiment":"neutral","sentiment_score":0.09350955486297607},{"word":"soup","start":1876.8099,"end":1877.0499,"confidence":0.43273926,"punctuated_word":"soup.","sentiment":"neutral","sentiment_score":0.11029917746782304},{"word":"and","start":1877.0499,"end":1877.21,"confidence":0.96777344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15339010953903198},{"word":"now","start":1877.21,"end":1877.37,"confidence":0.984375,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.14911004900932312},{"word":"that","start":1877.37,"end":1877.5299,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13624835014343262},{"word":"we've","start":1877.5299,"end":1877.69,"confidence":0.9980469,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.1733897030353546},{"word":"made","start":1877.69,"end":1877.9299,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.20284411311149597},{"word":"that","start":1877.9299,"end":1878.1699,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24085204303264615},{"word":"switch","start":1878.1699,"end":1878.4099,"confidence":0.9921875,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.14985768496990204},{"word":"of","start":1878.4099,"end":1878.57,"confidence":0.74853516,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1681085228919983},{"word":"the","start":1878.57,"end":1878.73,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14211514592170715},{"word":"investments","start":1878.73,"end":1879.23,"confidence":0.96240234,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.07109090685844421},{"word":"for","start":1879.2899,"end":1879.5299,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16256354749202728},{"word":"you","start":1879.5299,"end":1879.69,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1462033987045288},{"word":"as","start":1879.69,"end":1879.85,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15840420126914978},{"word":"well","start":1879.85,"end":1880.35,"confidence":0.88305664,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.14162863790988922},{"word":"does","start":1880.73,"end":1880.8099,"confidence":0.8510742,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.10894620418548584},{"word":"that","start":1880.8099,"end":1881.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16978409886360168},{"word":"sound","start":1881.13,"end":1881.37,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.14495110511779785},{"word":"okay","start":1881.37,"end":1881.69,"confidence":0.99853516,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.15699389576911926},{"word":"are","start":1881.69,"end":1881.85,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.09927133470773696},{"word":"you","start":1881.85,"end":1882.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0935853272676468},{"word":"comfortable","start":1882.01,"end":1882.49,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.06096663326025009},{"word":"with","start":1882.49,"end":1882.73,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10728874802589417},{"word":"that","start":1882.73,"end":1882.8899,"confidence":0.9995117,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.12508489191532135},{"word":"did","start":1882.8899,"end":1883.13,"confidence":0.99902344,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.06378841400146484},{"word":"did","start":1883.13,"end":1883.37,"confidence":0.4946289,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.06467673182487488},{"word":"i","start":1883.37,"end":1883.61,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05258749797940254},{"word":"miss","start":1883.61,"end":1883.85,"confidence":0.9970703,"punctuated_word":"miss","sentiment":"neutral","sentiment_score":0.011986996978521349},{"word":"anything","start":1883.85,"end":1884.1699,"confidence":0.9970703,"punctuated_word":"anything?","sentiment":"neutral","sentiment_score":0.036557525396347046},{"word":"is","start":1884.1699,"end":1884.33,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.07220783829689026},{"word":"there","start":1884.33,"end":1884.4099,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07220519334077835},{"word":"anything","start":1884.4099,"end":1884.73,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.08025919646024704},{"word":"else","start":1884.73,"end":1884.975,"confidence":0.99609375,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.06644534319639206},{"word":"that","start":1884.975,"end":1885.135,"confidence":0.9760742,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07405618578195572},{"word":"you","start":1885.135,"end":1885.2949,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.050718553364276886},{"word":"maybe","start":1885.2949,"end":1885.335,"confidence":0.9350586,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.057568103075027466},{"word":"wanted","start":1885.335,"end":1885.375,"confidence":0.99609375,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.04562736675143242},{"word":"to","start":1885.375,"end":1885.875,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05540837347507477},{"word":"ask","start":1886.015,"end":1886.255,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.0623338595032692},{"word":"me","start":1886.255,"end":1886.495,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06332357227802277},{"word":"while","start":1886.495,"end":1886.735,"confidence":0.9760742,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.07569504529237747},{"word":"you","start":1886.735,"end":1886.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07146144658327103},{"word":"do","start":1886.815,"end":1887.0549,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06853622943162918},{"word":"have","start":1887.0549,"end":1887.2949,"confidence":0.97998047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06461137533187866},{"word":"me","start":1887.2949,"end":1887.535,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04215975105762482},{"word":"here","start":1887.535,"end":1888.035,"confidence":1.0,"punctuated_word":"here?","sentiment":"neutral","sentiment_score":0.03804859519004822},{"word":"oh","start":1891.9349,"end":1892.4349,"confidence":0.970459,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.5690799951553345},{"word":"fantastic","start":1892.495,"end":1892.995,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.6348344087600708},{"word":"thank","start":1893.0549,"end":1893.215,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6962245106697083},{"word":"you","start":1893.215,"end":1893.455,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.69117671251297},{"word":"so","start":1893.455,"end":1893.615,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7058455348014832},{"word":"much","start":1893.615,"end":1893.855,"confidence":0.99365234,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.4753994345664978},{"word":"so","start":1893.855,"end":1894.095,"confidence":0.6357422,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3245919644832611},{"word":"when","start":1894.095,"end":1894.1749,"confidence":0.98828125,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3950473666191101},{"word":"you","start":1894.1749,"end":1894.335,"confidence":0.98828125,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4418937861919403},{"word":"get","start":1894.335,"end":1894.495,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4519286155700683},{"word":"an","start":1894.495,"end":1894.655,"confidence":1.0,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.38812094926834106},{"word":"opportunity","start":1894.655,"end":1895.155,"confidence":0.9951172,"punctuated_word":"opportunity,","sentiment":"neutral","sentiment_score":0.286811888217926},{"word":"if","start":1895.215,"end":1895.375,"confidence":0.99902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3599594235420227},{"word":"you","start":1895.375,"end":1895.455,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3807972967624664},{"word":"can","start":1895.455,"end":1895.695,"confidence":0.9970703,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3806869685649872},{"word":"sign","start":1895.695,"end":1895.9349,"confidence":0.9892578,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.31985795497894287},{"word":"that","start":1895.9349,"end":1896.095,"confidence":0.70166016,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.42743560671806335},{"word":"annual","start":1896.095,"end":1896.335,"confidence":0.80566406,"punctuated_word":"annual","sentiment":"positive","sentiment_score":0.3738403022289276},{"word":"review","start":1896.335,"end":1896.655,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.2803706228733063},{"word":"pack","start":1896.655,"end":1896.895,"confidence":0.9003906,"punctuated_word":"pack","sentiment":"positive","sentiment_score":0.36487627029418945},{"word":"and","start":1896.895,"end":1897.0549,"confidence":0.9892578,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3996502459049225},{"word":"grab","start":1897.0549,"end":1897.2949,"confidence":0.99121094,"punctuated_word":"grab","sentiment":"positive","sentiment_score":0.5280543565750122},{"word":"that","start":1897.2949,"end":1897.455,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4178118705749512},{"word":"back","start":1897.455,"end":1897.615,"confidence":0.99902344,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.45624831318855286},{"word":"to","start":1897.615,"end":1897.695,"confidence":0.99316406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4203841984272003},{"word":"me","start":1897.695,"end":1897.9349,"confidence":0.9946289,"punctuated_word":"me,","sentiment":"positive","sentiment_score":0.4038018584251404},{"word":"that'd","start":1897.9349,"end":1898.1749,"confidence":0.8432617,"punctuated_word":"that'd","sentiment":"positive","sentiment_score":0.6876587271690369},{"word":"be","start":1898.1749,"end":1898.4149,"confidence":0.99316406,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6565056443214417},{"word":"fabulous","start":1898.4149,"end":1898.815,"confidence":0.99560547,"punctuated_word":"fabulous.","sentiment":"positive","sentiment_score":0.7727178335189819},{"word":"it","start":1898.815,"end":1898.975,"confidence":0.9902344,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5013642311096191},{"word":"allows","start":1898.975,"end":1899.375,"confidence":0.99902344,"punctuated_word":"allows","sentiment":"positive","sentiment_score":0.5354607105255127},{"word":"us","start":1899.375,"end":1899.535,"confidence":0.9980469,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.5397742390632629},{"word":"to","start":1899.535,"end":1899.615,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6053075194358826},{"word":"continue","start":1899.615,"end":1900.095,"confidence":1.0,"punctuated_word":"continue","sentiment":"positive","sentiment_score":0.6457733511924744},{"word":"working","start":1900.095,"end":1900.4149,"confidence":0.9980469,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.5969198942184448},{"word":"as","start":1900.4149,"end":1900.575,"confidence":0.9873047,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5012338161468506},{"word":"your","start":1900.575,"end":1900.95,"confidence":0.9902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5316625237464905},{"word":"adviser","start":1900.95,"end":1901.45,"confidence":0.9296875,"punctuated_word":"adviser.","sentiment":"positive","sentiment_score":0.42324548959732056},{"word":"i'll","start":1901.9099,"end":1902.07,"confidence":0.8220215,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.18995261192321777},{"word":"put","start":1902.07,"end":1902.3099,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.40868091583251953},{"word":"something","start":1902.3099,"end":1902.5499,"confidence":0.9951172,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.34422993659973145},{"word":"in","start":1902.5499,"end":1902.71,"confidence":0.9951172,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4138147234916687},{"word":"my","start":1902.71,"end":1902.87,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.3793100118637085},{"word":"calendar","start":1902.87,"end":1903.2699,"confidence":0.9980469,"punctuated_word":"calendar","sentiment":"positive","sentiment_score":0.3845452070236206},{"word":"to","start":1903.2699,"end":1903.51,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2717779278755188},{"word":"touch","start":1903.51,"end":1903.75,"confidence":0.9980469,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.27132391929626465},{"word":"base","start":1903.75,"end":1904.07,"confidence":0.9206543,"punctuated_word":"base.","sentiment":"neutral","sentiment_score":0.2989019751548767},{"word":"and","start":1904.07,"end":1904.3099,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21655766665935516},{"word":"once","start":1904.3099,"end":1904.5499,"confidence":0.99902344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.27172183990478516},{"word":"you","start":1904.5499,"end":1904.63,"confidence":0.74365234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25290191173553467},{"word":"get","start":1904.63,"end":1904.7899,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.24864472448825836},{"word":"that","start":1904.7899,"end":1905.0299,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26678773760795593},{"word":"email","start":1905.0299,"end":1905.35,"confidence":0.9975586,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.19737368822097776},{"word":"if","start":1905.35,"end":1905.51,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1975562870502472},{"word":"you","start":1905.51,"end":1905.6699,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18752196431159973},{"word":"do","start":1905.6699,"end":1905.83,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11491107940673828},{"word":"have","start":1905.83,"end":1906.07,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11783529072999954},{"word":"additional","start":1906.07,"end":1906.5499,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.11182351410388948},{"word":"questions","start":1906.5499,"end":1906.87,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.08822760730981827},{"word":"around","start":1906.87,"end":1907.11,"confidence":0.99902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.120955727994442},{"word":"the","start":1907.11,"end":1907.2699,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10836480557918549},{"word":"insurances","start":1907.2699,"end":1907.7699,"confidence":0.9684245,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.12581753730773926},{"word":"please","start":1907.9099,"end":1908.23,"confidence":0.9951172,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.16606974601745603},{"word":"let","start":1908.23,"end":1908.3899,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.20309710502624512},{"word":"me","start":1908.3899,"end":1908.63,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2318628281354904},{"word":"know","start":1908.63,"end":1909.11,"confidence":0.9909668,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.22120194137096405},{"word":"i","start":1909.11,"end":1909.2699,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.28684213757514954},{"word":"can","start":1909.2699,"end":1909.51,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2348724752664566},{"word":"make","start":1909.51,"end":1909.75,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.30258557200431824},{"word":"more","start":1909.75,"end":1909.99,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.23401665687561035},{"word":"time","start":1909.99,"end":1910.23,"confidence":0.9980469,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3578655421733856},{"word":"to","start":1910.23,"end":1910.3899,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3180310130119324},{"word":"sort","start":1910.3899,"end":1910.63,"confidence":0.92578125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2066476196050644},{"word":"of","start":1910.63,"end":1911.0299,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3734836280345917},{"word":"touch","start":1911.0299,"end":1911.35,"confidence":0.88964844,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.242074191570282},{"word":"base","start":1911.35,"end":1911.59,"confidence":0.9970703,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.31615445017814636},{"word":"and","start":1911.59,"end":1911.99,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27908241748809814},{"word":"and","start":1911.99,"end":1912.3099,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29193925857543945},{"word":"answer","start":1912.3099,"end":1912.63,"confidence":0.97998047,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":0.29452961683273315},{"word":"those","start":1912.63,"end":1912.7899,"confidence":0.96435547,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.30131369829177856},{"word":"additional","start":1912.7899,"end":1913.19,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.1642279475927353},{"word":"questions","start":1913.19,"end":1913.6699,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.25531357526779175},{"word":"for","start":1913.6699,"end":1913.83,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.38414379954338074},{"word":"you","start":1913.83,"end":1914.07,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3613096475601196},{"word":"as","start":1914.07,"end":1914.23,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.28563785552978516},{"word":"well","start":1914.23,"end":1914.63,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1902118474245071},{"word":"okay","start":1914.63,"end":1915.13,"confidence":0.9946289,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.13878725469112396},{"word":"thank","start":1917.255,"end":1917.495,"confidence":0.99609375,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.743593156337738},{"word":"you","start":1917.495,"end":1917.655,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.813778281211853},{"word":"so","start":1917.655,"end":1917.8151,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8094967007637024},{"word":"much","start":1917.8151,"end":1918.055,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8277670741081238},{"word":"for","start":1918.055,"end":1918.2151,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8067535758018494},{"word":"your","start":1918.2151,"end":1918.375,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8177841305732727},{"word":"time","start":1918.375,"end":1918.615,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.8480646014213562},{"word":"i","start":1918.615,"end":1918.775,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.8296656608581543},{"word":"hope","start":1918.775,"end":1919.015,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.8252379298210144},{"word":"you","start":1919.015,"end":1919.175,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.79002445936203},{"word":"have","start":1919.175,"end":1919.415,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7668425440788269},{"word":"a","start":1919.415,"end":1919.495,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.778211236000061},{"word":"lovely","start":1919.495,"end":1919.995,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.8190709352493286},{"word":"afternoon","start":1920.055,"end":1920.555,"confidence":1.0,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.816717267036438},{"word":"my","start":1923.255,"end":1923.5751,"confidence":0.96972656,"punctuated_word":"My","sentiment":"positive","sentiment_score":0.7619073390960693},{"word":"pleasure","start":1923.5751,"end":1924.055,"confidence":0.9995117,"punctuated_word":"pleasure.","sentiment":"positive","sentiment_score":0.7989151477813721},{"word":"enjoy","start":1924.055,"end":1924.375,"confidence":1.0,"punctuated_word":"Enjoy","sentiment":"positive","sentiment_score":0.7773412466049194},{"word":"your","start":1924.375,"end":1924.535,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8192634582519531},{"word":"day","start":1924.535,"end":1924.8551,"confidence":0.99902344,"punctuated_word":"day,","sentiment":"positive","sentiment_score":0.7856547832489014},{"word":"malcolm","start":1924.8551,"end":1925.3351,"confidence":0.9995117,"punctuated_word":"Malcolm.","sentiment":"positive","sentiment_score":0.7961543798446655},{"word":"thank","start":1925.3351,"end":1925.5751,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.697379469871521},{"word":"you","start":1925.5751,"end":1925.735,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7993195652961731},{"word":"for","start":1925.735,"end":1925.895,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.811931848526001},{"word":"taking","start":1925.895,"end":1926.295,"confidence":1.0,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.8578606247901917},{"word":"my","start":1926.295,"end":1926.535,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.7869641780853271},{"word":"call","start":1926.535,"end":1927.015,"confidence":0.99316406,"punctuated_word":"call.","sentiment":"positive","sentiment_score":0.738063633441925},{"word":"see","start":1927.015,"end":1927.255,"confidence":1.0,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.4547994136810303},{"word":"you","start":1927.255,"end":1927.415,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7393251061439514},{"word":"later","start":1927.415,"end":1927.915,"confidence":1.0,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.35124897956848145},{"word":"thanks","start":1929.255,"end":1929.755,"confidence":0.9428711,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":-0.1194065287709236}],"paragraphs":{"transcript":"\nHi, Malcolm. This is Dana from Oakview Financial. How are you today? That's good. I had you booked in to go through your annual review.\n\nIs now still a good time there for you? Yeah. Oh, good. I'm so sorry. Did you need a second to I do apologize.\n\nOh, good. Fantastic. Before we jump into the call then, Malcolm, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fan fantastic.\n\nAnd just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Legend. Thank you so much for that.\n\nMalcolm, as part of your annual review, we do normally send through some documents to you so you can look at them as I'm going through things. Are you able to look at your emails? If you can't, that's okay. Yeah. You're right.\n\nI'm just gonna press send on this one and send it to you there now. Beautiful. How's your day been so far? Yeah. I mean, quiet.\n\nIt's probably not a bad thing sometimes. Alright. Perfect. I've sent that one through to you there. Now it should come through from Odoo sign, or it should have my name and email there.\n\nSo dana@opfinancial. Got it. Oh, fantastic. Excellent. So when you open it up, you just press the little sign button so it takes you through so you can review the documents there.\n\nBut I'll never ask you to sign them until you're happy and that you've gone through them. I'll make sure you go through them first. Okay? Excellent. Now the first document you should see there is a summary of superannuation and insurances as of the August 19 there.\n\nSo it does have an updated balance, your balance in super. And when I look back to the last annual review you completed with us, essentially, your balance then was sitting at 93,504 and 57¢. Your balance is now up to over a 103,422 and 6¢ there. So we have seen a bit of an increase within your super, which is good to see. Yeah.\n\nThe next page, if you click the next button or it should be a little button at the top that allows you to go to the next document, you have the asset performance detail report there. That's your portfolio report for your Netwealth Superfund. Can you see that one? Yeah. Fantastic.\n\nSo with this one here, it is showing you on the second page how your portfolio has performed. Now this year, there has been a lot of ups and downs in the market with everything that's been going on, especially with The US and the Iran war. But then here in Australia, we've also had high inflationary rates there. Your portfolio has essentially shown it has a positive return, net of fees. So after all fees have been taken into account, you've made 5.28%.\n\nSo it is a little bit little bit lower of a return than what we would like to see for the high growth environment, but it is understandable that some years we do get those lower returns with the market ups and downs and the volatility that we have certainly seen, but you have come out with a positive return. The other thing I wanted to show you was if you go to the first page of that document there and you look at the sorry. The side of this the on my side is the left hand side of the document. You'll see you've got cash, alternative investments, and Australian equities as the blue heading. Can you see those headings there?\n\nYeah. The first page of the asset performance detail report. Yeah. That's okay. That's the one?\n\nBeautiful. So you've got three different investments noted there. One of them is the Bennelong Australian Equities Fund. The other is the BetaShares Australian 200 ETF, and then you've also got the BetaShares Raffi Australia 200 ETF there as well. Essentially, with the Bana Long one, if you look at the very last column, you actually see that we have sold that one completely out.\n\nSo that investment was also underperforming within your super over the last few months there. So as soon as we did notice that early this year, we had removed that from your portfolio. We had originally sent a record of advice to you in email back in March. Do you remember seeing that email there at all? That's okay.\n\nLife gets very busy. It's honestly not a problem. That's why I wanted to make sure I brought it up with you. It's all good. We sent that email back in March to let you know we had been looking at the investments and had noticed that this was an underperforming fund, so we wanted to remove that out of your portfolio.\n\nIt is important that we review portfolios regularly because investors that worked a couple of years ago might not be working now, and different investments need to be switched out and changed as you work towards your long term goals of retirement there. So we actually removed the Benelon Australian Equities, and we replaced it with the BetaShares a 200. One of the biggest chain reasons for making the change were partly because of the underperformance of Bennelong. But Bennelong is more of an actively managed fund, and the fund manager hasn't been able to outperform against the market. So it's not been doing very well.\n\nBennelong also generally holds between 15 to 25 different companies within that investment option. So we've replaced it with the BetaShares a 200, which is giving you exposure to the top 200 companies on the ASX. So that is essentially tracking the top 200 companies. So it's helping to lower the risk level of your portfolio and providing greater diversification. So diversification is making sure you're spreading your risk level across lots of different companies, different industries, and different asset classes as well as different countries there as well.\n\nSo it has worked out really well. And since we made that change in the last three months, we have seen a 6% return net of fees for your portfolio in that three month period there. So it has definitely been working. Your portfolio has recovered from that, and it's about building on that moving forward there for you. Do you have any questions about any of that thus far?\n\nNo? Yeah. Fantastic. Excellent. So, look, it has I wanna keep sort of monitoring things there for you because we have just made this change to your portfolio.\n\nDepending on how the rest of the review goes, I definitely wanna maybe catch up in about six months with you just to see how things are tracking and look at whether we need to update any advice then for you and maybe update the portfolio as well. Does that sound okay? Yeah. Fantastic. Excellent.\n\nExcellent. Then on the first page, which had your summary of superannuation and insurances, I'm just referring to the insurance side of things there now. So you do also have your Zurich insurance policy, which is paid from your super fund. Your life cover that you're covered for at the moment has a benefit of 378,034. So if we think about the theoretical side around the life cover, if you were to, say, pass away today, your your partner, I believe, we've got Eileen as your beneficiary there.\n\nShe could receive your life benefit of 378,000, but then also your super is paid out on top of that, so the extra 103,000 there. I'll just add it all together for you to give you a total. Three, four. It's worth that to be between the two. About 481,456 that could be paid out as a life benefit.\n\nBetween your life insurance and your sleeper, does that feel comfortable for you? Did you wanna review that amount, or what's your thought? That's okay? Beautiful. Excellent.\n\nAnd you've also got some total permanent disability cover, so TPD. Do you understand how TPD insurance works and what that is and how it pays? No. That's okay. So TPD can pay out a lump sum benefit or an income stream in the event that you're diagnosed with a major disability.\n\nSo say, for example, you can never go back to work again for any occupation for which you're, you know, essentially educated or trained. I'm also just pulling up to make sure that you have that correct definition of your TBD there. Sorry. One second. Do love technology when it wants to work for us.\n\nIt's taking a second to open up properly. So with your TBD definition, yeah. It looks like it is an any occupation, but I'll go back and double. Yeah. It looks okay.\n\nSo, realistically, TBD compared that lump sum benefit if you're, you know, diagnosed with a major traumatic condition. They compared a lump sum benefit or an income stream. If you are, say, fully disabled and not able to ever go back to work again for any reason, TPD you can also release your super. So you you're covered for the same amount of TPD as you are alive. The benefit is 378,034, and then you've also got your super benefit that can be paid out on top of that as well.\n\nOne of the big things I do like to kind of bring up and just make sure people are aware is that if you are TBD'd, never able to go back to work again, unfortunately, the benefit is taxed. So you could pay if you take the full lump sum, you could pay tax on that benefit amount of up to 22%, which is horrible and should not be a thing. But looking at that benefit amount, are you fairly comfortable with the level of TBD you have? Do you think you would need to maybe have more cover, or what's your thoughts? If you have more questions, you're welcome to let me know, and we can talk it through.\n\nYeah. It's kinda hard to work out, you know, what level you realistically need because we're getting insurances to protect us in the event that something was to happen. But if you think about the level of cover you have, not factoring in the tax side of things, but if you were to claim on that with the total benefit now your income I have here is about 120,000. Is that right? Yep.\n\nBeautiful. And you're renting where you are. Is that correct? Yeah. So if we sort of look at income replacement based on the benefit you have at the moment, and if we divide that by your current income, it would replace income for about four years.\n\nAdmittedly, it's not a lot, but does your wife work would she also be able to earn income to help supplement you? Okay. So it's just yourself. So, realistically, if you are having to draw that income of a $120,000 per year for expenses, your TPD benefit would last about four years. If for any reason you could sort of last on a little bit less, say, if you're not working and the expenses are a little bit lower, you might be able to essentially live on a smaller income amount.\n\nSo, say, that divided by, say, $60,000 a year, and that would mean that the benefit total could last about eight years wholly after that point. It'd be about whether you could go back to work, whether or not you could, you know, claim on Centrelink and things like that. You also do have income protection, so you can be on an income protection benefit if that's a possibility that time as well. Does that make sense? Yeah.\n\nDid you wanna review the TBD cover, or you're happy with that level for time being, or do you have more questions? If you do, you're welcome to let me know. Yeah. That's that's yeah. That's absolutely fine.\n\nIf you like, Malcolm, what I could do after the call is I could send you a little bit of an email breakdown noting a little bit about the life keeping in income protection policies, what they pay, how they cover, and notice a bit about your cover that you have. That way, if you do find you wanna review that or have additional questions, you can let me know. I know going through the review, it is hard to think about what level you might need, and it is a lot to go through the insurance information. So you might find later you have additional questions. Does that sound okay?\n\nYeah. Beautiful. Now you do also have the income protection benefit here. It currently has a monthly pay benefit payable pretax of nine sorry. 4,977.\n\nIf you were off work due to illness or injury, do you feel like that's appropriate? Do you feel like you would need to sort of reassess that at all? 7,000. No. That's okay.\n\nLooking at your current income based on a 120,000, you are slightly underinsured for income protection. You can always look to increase that to 70%, which is the maximum you can be covered for. But if you feel like that's an appropriate amount, you're comfortable just leaving it as is for the time being. Is that right? Yep.\n\nThat's okay. You've also got a thirty day waiting period, so it just means you need to be off work for thirty days prior to making a claim and a five year benefit. So you just need to be you can be on a claim for up to five years in the event of an income protection claim. Is that yeah. Do you have any questions at all so far?\n\nNo. That's okay. All good. Do you have much in the way of sick leave, annual leave, long service leave, other things that you can sort of fall back on at work as well if you're unable to go to work in a shorter term? Long service?\n\nYeah. Yeah. Beautiful. So you're one of those. You're never sick.\n\nYou go to work, and you bank it all up. Beautiful. Well, thank you so much for clarifying that. As I said, I'll send you an email after the call just clarifying the information around the insurance side of things, and you're welcome to come back and let me know if there are any questions that you have or if you and your wife discover that you might wanna review those levels of cover. Okay?\n\nExcellent. Beautiful. Now I do have to let you know there are other types of insurances depending on your depending on your circumstances, sorry, that you, you know, may like to look at in the future. You can also get trauma, which pays out a lump sum tax free benefit if you, say, have a heart attack or a stroke or certain neurological conditions. Cancer's probably a big one.\n\nAnd do you have children? I believe you've got a couple of kids. Five children. Wow. How old are they?\n\nWow. Yeah. Wow. They're all grown up. No.\n\nFantastic. Did you wanna look at any additional kind of insurances outside of what you've got to cover you for any gaps in your risk, or you're happy just with the the insurances you've that we've gone through that you currently have? Yep. That's okay. Not a problem at all.\n\nFantastic. We've kinda gone through most things. The only other things attached to that email are the sorry. The certificates of currency, which outline a little bit more around the types of cover that you have, the levels of cover that you have with Zurich there as well. These do go through a renewal every year.\n\nThey do get more expensive over time, but they do also grow in value. So they are indexed along with CPIs. So the level of cover you have does increase over time, but the premiums do also increase. So we just wanna review those with with you on a regular basis. And if I kinda go back and find us anything that kinda flags the need to bring forward to you, I'll make sure we come back and have that conversation.\n\nOkay? Excellent. We've also got the the financial services guide attached with Outline. Everything about who we are, what we do, how we do it, has a lovely glossy photo of me in there, and all of my licensing information as a licensed adviser for you as well. Okay?\n\nWe also do have attached the ongoing service agreement. So to keep us as your servicing adviser and keep us looking after your suit for the insurances and helping you provide advice long term to meet your goals, we do charge an ongoing service fee for doing so. Our ongoing service fee is now a tiered structure, so it starts at 1.65% per annum as it has. And once your balance sets over 200,000, then you drop into the lower tier and the fee drops down to 1.375. So it works in a bit of a tiered structure.\n\nThe newer ongoing service agreements actually outline your fee as a dollar figure instead of just an estimate so that it's giving you more certainty around how much you're likely to pay for our service. So because your balance is still essentially sitting at the 1.65%, we estimate it to be about $1,700 for the year there. And to keep us as your adviser and keep looking after your super and monitoring things and helping you moving forward, I do ask that you sign and return that back after the call for me. Do you have any questions about the fee structure or anything there at all that's come to mind? No.\n\nThat's okay. All good. The only last sort of things to run through is just to make sure that your circumstances look at see if there's any major changes there at all. You've confirmed your income's about 120,000 for the year. Is that still correct?\n\nYep. Beautiful. Are you due for a pay rise soon at all? Fantastic. Well, cross your fingers.\n\nYou get a nice one. Fantastic. Excellent. Are you yourself and Eileen managing to sort of save much on a weekly or monthly basis out of your income, or are you finding all of your income is going towards the expenses of the household? How do you sort of find things at the moment?\n\nOh, fantastic. Yeah. Beautiful. Are you putting a set amount away every week to sort of help with that, or is it just whatever you have available at the end of the week? Okay.\n\nBeautiful. Do you have much in savings at the moment? Yeah. Yeah. Oh, no.\n\nSo you're having to try and find something else for the time being. Oh, oh, I see your wife is house hunting currently. Poor soul. Have you found anything that you like that you're sort of looking to move into for the time being? Yep.\n\nYeah. Yeah. Absolutely. And so that sort of means that some of your savings you've got there for your home deposit will probably have to go towards, like, rental expenses and moving expenses for the time being. Yeah.\n\nYeah. Well, I'm so sorry to hear that, but, hopefully, your new home is a little bit nicer, and you'll get back into saving again and, hopefully have a deposit to get into a new home in the future. Just so you are aware as well, we do also have access to mortgage brokers, which are completely free to yourself. We can refer you across to a mortgage broker when and if you are, you know, wanting to look at servicing capacity and looking at buying a home to see what kind of borrowing capacity you would have based on your expenses, which can definitely help when you are looking at buying a home, what you might be able to purchase the cost and things like that for you. Okay?\n\nFantastic. Excellent. Just on that savings account, how much do you have sitting in there at the moment? Okay. Yeah.\n\nThat's okay. That's actually really good. Fantastic. And if you had to quantify your savings, are you managing to sort of put away on average about 1 to 200 on a weekly or monthly basis, or how would you quantify it realistically? Yep.\n\nPerfect. Fantastic. Excellent. Thank you for updating that. Obviously, down at the moment with you guys trying to save for a home deposit and moving, additional contributions not might not be something you're wanting to look at.\n\nBut down the track, are you open to maybe considering additional contributions to provide a greater boost to your super for that retirement income stream at 65? Yep. Beautiful. Especially being as, you know, with your wife not working, it looks like your super is gonna be the main retirement income stream that you would have to focus on. Am I right, or does your wife have something to fall back on?\n\nNo. That's okay. That's okay. It's not a problem. We can certainly look to help you there.\n\nI wanna make sure you guys do enjoy your retirement when you get to that point. You are still young enough to, you know, to work hard and build that retirement income stream up. I had your goal of 65 for accessing super. Is that still fairly accurate, do you think, or would you be wanting to retire earlier or later or not really sure? Yep.\n\nThat's okay. That's okay. Are you happy with me utilizing 65 as your goal for the time being, and then we can kinda build on that down the track? Yeah. Beautiful.\n\nExcellent. And just I've also noted your goal here that you are looking to purchase your a home in the future there as well. I've also got down here that your assets wise, your cars, they had a combined value of 60,000. If you think about the two vehicles that you have at the moment, would you still value them about that, or would you alter or change that valuation? Yeah.\n\nBeautiful. And how much rent are you paying at the moment? $7.50 per week. Beautiful. Do you both have contents insurance for the contents within the rental home?\n\nNot sure. That's okay. That's not a problem at all. Even though you are renting, realistically, contents insurance is something to consider because if something was to happen to the property while the owner needs to obviously factor in the the cost of replacing or rebuilding the home, everything inside the home that you own and pay for is still considered, you know, content and still considered an asset and would need to be replaced, which could be an additional con a cost to yourself. So it is definitely worth looking at maybe having contents insurance to protect everything you guys have and own.\n\nYeah. That's okay. Do you have any other assets you'd note down? Any other, you know, shares, cryptocurrency, collections, anything else of value? No.\n\nThat's okay. Do you have any large debts, personal loans, credit cards, or any other liabilities to kind of note down? No. That's okay. All good.\n\nAnd the only other thing to sort of consider, sorry, is your estate planning. Sorry. Have you and your wife ever spoken to a solicitor or talked about drawing up a will at all? No. That's okay.\n\nIt is definitely worth having the conversation as well, just sort of noting that, you know, your beneficiaries inside Super and your life insurance beneficiaries are there to direct those funds in the event of something happening to you. However, it is also important to consider, you know, what happens to everything else that you own if you don't have a will in place and you do pass away. It does end up being in test date, which means that the process everything has to kinda go through a probate process. It is a legal process, and, essentially, the legal system decides where those funds go to or what happens to everything. Whilst your wife does tend to get most things, it can also make the process slightly harder because other members of the other members of your family or friends can come forward and stake a claim.\n\nThere's no guarantees that they'll get anything, but staking a claim can just make the process very hard on your wife in the event of something happening to you. Okay? Excellent. I've got down here that your beneficiaries are Eileen on your super and your insurances. You're happy for that a 100% to be paid to her in the event of something occurring?\n\nYeah. Happy wife, happy life. Am I right? Excellent. All good.\n\nI'm glad that's all up to date there for you. Now the last thing I wanted to do was just to go through a quick risk profile questionnaire just to sort of gather whether you're invested correctly or not. Realistically, with your agent stage, that high growth environment still suits where you're at, but just wanting to make sure that does suit you personally as well. The first question here is basically asking you about inflation. So how much risk do you consider yourself comfortable to take in order to get higher levels of returns?\n\nAre you comfortable taking on a higher level of risk to make sure your returns are outpacing inflation so you can see yourself comfortable taking a moderate or medium amount of risk to keep up have your returns keep up with inflation, or are you only comfortable taking a small amount of risk knowing the returns are lower because of that? How do you think you fit? The second one? Yep. You can always go in between as well if you're comfortable wanting to do that.\n\nYep. Beautiful. Excellent. The next one here is if you saw your super fall by 20%, how do you think you might react? Are you more inclined to see it as an investment opportunity and put some money into the dip?\n\nAre you likely to hold and wait and call us, or are you a bit concerned and maybe wanting to sell your investments to cash? How do you think you might react? How do sorry. Does that yeah. You're right.\n\nGive us a call and see what we suggest you do. Good answer. That's what you have us for. And the last one here is have you ever seen your super fall in value? If you have in the past, how do you think that makes you feel?\n\nAre you optimistic about the investment opportunities? Are you feeling cautious, concerned, or a bit anxious about the market dipping? How do you think you might feel? Yeah. Absolutely.\n\nPerfect. And then the last one is, have you ever considered borrowing for, say, investing in shares or managed funds, or would you only ever borrow property? Yep. Are you open to invest buying just your main primary residence down the track, or are you open to having an investment down the track, or what's your sort of thoughts? Yep.\n\nYep. That's okay. Beautiful. Fantastic. Now with what you scored there, you have scored as a growth investor.\n\nAt the moment, we have you in more of that high growth environment, which sees about 90% of your super invested in growth assets. So think about things like Australian and international shares, listed property and commodities, and then the end of 10% in lower risk defensive investments. With where you scored at the moment would see us reduce your risk back a little bit by 10% to see 80% invested in those higher risk investments. Realistically, for your time, your stage, and your time horizon, you absolutely can be in that high growth environment longer. It's more about this understanding that that takes on a little bit more risk in the market to get greater potential returns.\n\nRealistically, a high growth portfolio, you're wanting to try and average around about eight to 10% on a yearly basis compounding that forward. We do know that you are expecting a negative likely the likelihood of a negative return around about one in every five years, but it does suit your time horizon. You do have more than eight years ahead of you before accessing Super. Did you wanna stay in that high growth environment for longer, or did you wanna look at maybe reducing your risk level back there, Malcolm? How do you feel?\n\nYou feel comfortable? Yeah. Absolutely. Not a problem at all. Well, just sort of recapping and moving forward, I'll send you an email after the call just outlining the insurance side of things for you just to give you a bit more clarity there.\n\nWe'll hold on. There's no new advice to sort of worry about currently, but we will sort of catch up in about six months just to kinda review that and see whether new advice is required down the track. We'll sort of watch your soup soup. And now that we've made that switch of the investments for you as well, does that sound okay? Are you comfortable with that?\n\nDid did I miss anything? Is there anything else that you maybe wanted to ask me while you do have me here? Oh, fantastic. Thank you so much. So when you get an opportunity, if you can sign that annual review pack and grab that back to me, that'd be fabulous.\n\nIt allows us to continue working as your adviser. I'll put something in my calendar to touch base. And once you get that email, if you do have additional questions around the insurances, please let me know. I can make more time to sort of touch base and and answer those additional questions for you as well. Okay?\n\nThank you so much for your time. I hope you have a lovely afternoon. My pleasure. Enjoy your day, Malcolm. Thank you for taking my call.\n\nSee you later. Thanks.","paragraphs":[{"sentences":[{"text":"Hi, Malcolm.","start":2.8,"end":3.52,"sentiment":"neutral","sentiment_score":0.20424607396125793},{"text":"This is Dana from Oakview Financial.","start":3.52,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.2464911291996638},{"text":"How are you today?","start":5.3599997,"end":6.42,"sentiment":"neutral","sentiment_score":0.2913445085287094},{"text":"That's good.","start":8.24,"end":8.8,"sentiment":"positive","sentiment_score":0.6695557534694672},{"text":"I had you booked in to go through your annual review.","start":8.8,"end":10.88,"sentiment":"positive","sentiment_score":0.45848498019305145}],"sentiment":"positive","sentiment_score":0.3774105298519135,"num_words":25,"start":2.8,"end":10.88},{"sentences":[{"text":"Is now still a good time there for you?","start":10.88,"end":12.735,"sentiment":"positive","sentiment_score":0.4132865336206224},{"text":"Yeah.","start":15.054999,"end":15.455,"sentiment":"neutral","sentiment_score":0.096053808927536},{"text":"Oh, good.","start":15.455,"end":16.015,"sentiment":"neutral","sentiment_score":0.18285532295703888},{"text":"I'm so sorry.","start":16.015,"end":16.994999,"sentiment":"neutral","sentiment_score":-0.031632418860681355},{"text":"Did you need a second to I do apologize.","start":17.135,"end":20.275,"sentiment":"neutral","sentiment_score":-0.08068808168172836}],"sentiment":"neutral","sentiment_score":0.14001055273790067,"num_words":24,"start":10.88,"end":20.275},{"sentences":[{"text":"Oh, good.","start":22.414999,"end":23.055,"sentiment":"neutral","sentiment_score":0.30998852849006653},{"text":"Fantastic.","start":23.055,"end":23.555,"sentiment":"positive","sentiment_score":0.5674246549606323},{"text":"Before we jump into the call then, Malcolm, just to let you know, we do record our calls for quality and training purposes.","start":23.935,"end":28.720001,"sentiment":"neutral","sentiment_score":0.203084880243177},{"text":"Are you happy for me to proceed with that?","start":28.720001,"end":30.74,"sentiment":"neutral","sentiment_score":0.21824154920048183},{"text":"Fan fantastic.","start":32.24,"end":33.54,"sentiment":"positive","sentiment_score":0.6808364391326904}],"sentiment":"neutral","sentiment_score":0.2482216426649609,"num_words":37,"start":22.414999,"end":33.54},{"sentences":[{"text":"And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":33.6,"end":39.62,"sentiment":"neutral","sentiment_score":0.24489086320002873},{"text":"Yep.","start":42.32,"end":42.705,"sentiment":"neutral","sentiment_score":0.04412375018000603},{"text":"Yep.","start":44.625,"end":45.125,"sentiment":"neutral","sentiment_score":0.03463093191385269},{"text":"Legend.","start":47.745003,"end":48.245003,"sentiment":"neutral","sentiment_score":0.18888573348522184},{"text":"Thank you so much for that.","start":48.305,"end":49.845,"sentiment":"positive","sentiment_score":0.6051943600177765}],"sentiment":"neutral","sentiment_score":0.2883469864535026,"num_words":39,"start":33.6,"end":49.845},{"sentences":[{"text":"Malcolm, as part of your annual review, we do normally send through some documents to you so you can look at them as I'm going through things.","start":49.905003,"end":56.165,"sentiment":"neutral","sentiment_score":0.1757828656721998},{"text":"Are you able to look at your emails?","start":56.82,"end":58.5,"sentiment":"neutral","sentiment_score":0.03531097760424018},{"text":"If you can't, that's okay.","start":58.5,"end":59.8,"sentiment":"neutral","sentiment_score":-0.015511879324913025},{"text":"Yeah.","start":62.260002,"end":62.760002,"sentiment":"neutral","sentiment_score":0.08101355284452438},{"text":"You're right.","start":63.3,"end":63.86,"sentiment":"neutral","sentiment_score":0.12880632653832436}],"sentiment":"neutral","sentiment_score":0.12301609309953312,"num_words":43,"start":49.905003,"end":63.86},{"sentences":[{"text":"I'm just gonna press send on this one and send it to you there now.","start":63.86,"end":67.0,"sentiment":"neutral","sentiment_score":0.1319462810953458},{"text":"Beautiful.","start":67.06,"end":67.56,"sentiment":"positive","sentiment_score":0.44638481736183167},{"text":"How's your day been so far?","start":67.62,"end":69.24,"sentiment":"neutral","sentiment_score":0.2767480711142222},{"text":"Yeah.","start":75.945,"end":76.445,"sentiment":"neutral","sentiment_score":0.04506386071443558},{"text":"I mean, quiet.","start":76.505,"end":77.225,"sentiment":"neutral","sentiment_score":0.021481891473134358}],"sentiment":"neutral","sentiment_score":0.1613683459850458,"num_words":26,"start":63.86,"end":77.225},{"sentences":[{"text":"It's probably not a bad thing sometimes.","start":77.225,"end":78.924995,"sentiment":"neutral","sentiment_score":0.02119618361549718},{"text":"Alright.","start":84.31,"end":84.81,"sentiment":"neutral","sentiment_score":0.2280217409133911},{"text":"Perfect.","start":85.59,"end":86.09,"sentiment":"positive","sentiment_score":0.4069942831993103},{"text":"I've sent that one through to you there.","start":86.549995,"end":88.409996,"sentiment":"neutral","sentiment_score":0.2789241410791874},{"text":"Now it should come through from Odoo sign, or it should have my name and email there.","start":98.16499,"end":103.44499,"sentiment":"neutral","sentiment_score":0.2050232229863896}],"sentiment":"neutral","sentiment_score":0.1911816832006854,"num_words":34,"start":77.225,"end":103.44499},{"sentences":[{"text":"So dana@opfinancial.","start":103.44499,"end":105.064995,"sentiment":"neutral","sentiment_score":0.11146010085940361},{"text":"Got it.","start":108.0,"end":108.72,"sentiment":"neutral","sentiment_score":0.19918930530548096},{"text":"Oh, fantastic.","start":108.72,"end":109.54,"sentiment":"positive","sentiment_score":0.45583006739616394},{"text":"Excellent.","start":109.92,"end":110.4,"sentiment":"positive","sentiment_score":0.4133268594741822},{"text":"So when you open it up, you just press the little sign button so it takes you through so you can review the documents there.","start":110.4,"end":116.020004,"sentiment":"neutral","sentiment_score":0.22761425375938416}],"sentiment":"neutral","sentiment_score":0.2386450672056526,"num_words":32,"start":103.44499,"end":116.020004},{"sentences":[{"text":"But I'll never ask you to sign them until you're happy and that you've gone through them.","start":116.48,"end":120.16,"sentiment":"neutral","sentiment_score":0.04937291013843873},{"text":"I'll make sure you go through them first.","start":120.16,"end":122.32,"sentiment":"neutral","sentiment_score":0.09990263916552067},{"text":"Okay?","start":122.32,"end":122.82,"sentiment":"neutral","sentiment_score":0.07168979942798615},{"text":"Excellent.","start":124.615005,"end":125.095,"sentiment":"positive","sentiment_score":0.6685891151428223},{"text":"Now the first document you should see there is a summary of superannuation and insurances as of the August 19 there.","start":125.095,"end":131.015,"sentiment":"positive","sentiment_score":0.3389350126187007}],"sentiment":"neutral","sentiment_score":0.1978432242758572,"num_words":48,"start":116.48,"end":131.015},{"sentences":[{"text":"So it does have an updated balance, your balance in super.","start":131.015,"end":134.455,"sentiment":"positive","sentiment_score":0.3872939808802171},{"text":"And when I look back to the last annual review you completed with us, essentially, your balance then was sitting at 93,504 and 57¢.","start":134.455,"end":143.11,"sentiment":"neutral","sentiment_score":0.2774568783200305},{"text":"Your balance is now up to over a 103,422 and 6¢ there.","start":143.48999,"end":148.37,"sentiment":"positive","sentiment_score":0.4322657964446328},{"text":"So we have seen a bit of an increase within your super, which is good to see.","start":148.37,"end":152.06999,"sentiment":"positive","sentiment_score":0.597215448232258},{"text":"Yeah.","start":153.735,"end":154.235,"sentiment":"neutral","sentiment_score":0.2527177631855011}],"sentiment":"positive","sentiment_score":0.4095562878582213,"num_words":65,"start":131.015,"end":154.235},{"sentences":[{"text":"The next page, if you click the next button or it should be a little button at the top that allows you to go to the next document, you have the asset performance detail report there.","start":154.455,"end":164.13501,"sentiment":"neutral","sentiment_score":0.14055934362113476},{"text":"That's your portfolio report for your Netwealth Superfund.","start":164.13501,"end":167.23999,"sentiment":"neutral","sentiment_score":0.13557838182896376},{"text":"Can you see that one?","start":167.37999,"end":168.68,"sentiment":"neutral","sentiment_score":0.06974434182047844},{"text":"Yeah.","start":170.34,"end":170.73999,"sentiment":"positive","sentiment_score":0.407318115234375},{"text":"Fantastic.","start":170.73999,"end":171.23999,"sentiment":"positive","sentiment_score":0.42584943771362305}],"sentiment":"neutral","sentiment_score":0.14365985660868533,"num_words":51,"start":154.455,"end":171.23999},{"sentences":[{"text":"So with this one here, it is showing you on the second page how your portfolio has performed.","start":172.01999,"end":176.59999,"sentiment":"positive","sentiment_score":0.3537555932998657},{"text":"Now this year, there has been a lot of ups and downs in the market with everything that's been going on, especially with The US and the Iran war.","start":176.65999,"end":183.095,"sentiment":"neutral","sentiment_score":-0.03361525296651084},{"text":"But then here in Australia, we've also had high inflationary rates there.","start":183.095,"end":187.515,"sentiment":"neutral","sentiment_score":0.06776340523113807},{"text":"Your portfolio has essentially shown it has a positive return, net of fees.","start":187.895,"end":191.975,"sentiment":"positive","sentiment_score":0.3918262238685901},{"text":"So after all fees have been taken into account, you've made 5.28%.","start":191.975,"end":196.88,"sentiment":"neutral","sentiment_score":0.26054328059156734}],"sentiment":"neutral","sentiment_score":0.1717402319468203,"num_words":84,"start":172.01999,"end":196.88},{"sentences":[{"text":"So it is a little bit little bit lower of a return than what we would like to see for the high growth environment, but it is understandable that some years we do get those lower returns with the market ups and downs and the volatility that we have certainly seen, but you have come out with a positive return.","start":196.94,"end":212.055,"sentiment":"neutral","sentiment_score":0.1551871228342255},{"text":"The other thing I wanted to show you was if you go to the first page of that document there and you look at the sorry.","start":212.75499,"end":221.075,"sentiment":"neutral","sentiment_score":0.028963422832580712},{"text":"The side of this the on my side is the left hand side of the document.","start":221.075,"end":225.75,"sentiment":"neutral","sentiment_score":0.03455117088742554},{"text":"You'll see you've got cash, alternative investments, and Australian equities as the blue heading.","start":225.75,"end":231.51,"sentiment":"neutral","sentiment_score":0.07798769700873111},{"text":"Can you see those headings there?","start":231.51,"end":233.20999,"sentiment":"neutral","sentiment_score":0.007035187911242247}],"sentiment":"neutral","sentiment_score":0.09632077035646824,"num_words":122,"start":196.94,"end":233.20999},{"sentences":[{"text":"Yeah.","start":236.625,"end":236.86499,"sentiment":"neutral","sentiment_score":0.023149902001023293},{"text":"The first page of the asset performance detail report.","start":236.86499,"end":240.08499,"sentiment":"neutral","sentiment_score":0.025451870014270146},{"text":"Yeah.","start":240.22499,"end":240.72499,"sentiment":"neutral","sentiment_score":0.06498120725154877},{"text":"That's okay.","start":242.94499,"end":243.92499,"sentiment":"neutral","sentiment_score":0.151865616440773},{"text":"That's the one?","start":248.70499,"end":249.685,"sentiment":"neutral","sentiment_score":0.1483552853266398}],"sentiment":"neutral","sentiment_score":0.0666246892651543,"num_words":16,"start":236.625,"end":249.685},{"sentences":[{"text":"Beautiful.","start":250.68001,"end":251.18001,"sentiment":"positive","sentiment_score":0.6476901769638062},{"text":"So you've got three different investments noted there.","start":251.56,"end":254.04001,"sentiment":"neutral","sentiment_score":0.11459802929311991},{"text":"One of them is the Bennelong Australian Equities Fund.","start":254.04001,"end":256.6,"sentiment":"neutral","sentiment_score":0.09254215078221427},{"text":"The other is the BetaShares Australian 200 ETF, and then you've also got the BetaShares Raffi Australia 200 ETF there as well.","start":256.6,"end":265.02,"sentiment":"neutral","sentiment_score":0.06304627115076239},{"text":"Essentially, with the Bana Long one, if you look at the very last column, you actually see that we have sold that one completely out.","start":266.26498,"end":272.185,"sentiment":"neutral","sentiment_score":-0.028363519348204136}],"sentiment":"neutral","sentiment_score":0.04731205769169789,"num_words":65,"start":250.68001,"end":272.185},{"sentences":[{"text":"So that investment was also underperforming within your super over the last few months there.","start":272.185,"end":277.145,"sentiment":"neutral","sentiment_score":-0.32984518110752103},{"text":"So as soon as we did notice that early this year, we had removed that from your portfolio.","start":277.145,"end":281.83,"sentiment":"neutral","sentiment_score":-0.27397802223761875},{"text":"We had originally sent a record of advice to you in email back in March.","start":282.53,"end":286.61,"sentiment":"neutral","sentiment_score":-0.05637810863554478},{"text":"Do you remember seeing that email there at all?","start":286.61,"end":289.11,"sentiment":"neutral","sentiment_score":-0.027981053623888228},{"text":"That's okay.","start":292.785,"end":293.685,"sentiment":"neutral","sentiment_score":0.04520862363278866}],"sentiment":"neutral","sentiment_score":-0.18451467765716173,"num_words":59,"start":272.185,"end":293.685},{"sentences":[{"text":"Life gets very busy.","start":295.82498,"end":297.10498,"sentiment":"neutral","sentiment_score":-0.0186250451952219},{"text":"It's honestly not a problem.","start":297.10498,"end":298.465,"sentiment":"neutral","sentiment_score":0.18053509742021562},{"text":"That's why I wanted to make sure I brought it up with you.","start":298.465,"end":300.945,"sentiment":"neutral","sentiment_score":0.16431957082106516},{"text":"It's all good.","start":300.945,"end":301.925,"sentiment":"positive","sentiment_score":0.5708860655625662},{"text":"We sent that email back in March to let you know we had been looking at the investments and had noticed that this was an underperforming fund, so we wanted to remove that out of your portfolio.","start":302.305,"end":311.18,"sentiment":"neutral","sentiment_score":-0.11201115214341395}],"sentiment":"neutral","sentiment_score":0.008589924102829348,"num_words":62,"start":295.82498,"end":311.18},{"sentences":[{"text":"It is important that we review portfolios regularly because investors that worked a couple of years ago might not be working now, and different investments need to be switched out and changed as you work towards your long term goals of retirement there.","start":311.88,"end":324.385,"sentiment":"neutral","sentiment_score":-0.1308448581501495},{"text":"So we actually removed the Benelon Australian Equities, and we replaced it with the BetaShares a 200.","start":324.605,"end":330.625,"sentiment":"neutral","sentiment_score":-0.017460123690612176},{"text":"One of the biggest chain reasons for making the change were partly because of the underperformance of Bennelong.","start":331.52,"end":336.9,"sentiment":"neutral","sentiment_score":-0.2169749206966824},{"text":"But Bennelong is more of an actively managed fund, and the fund manager hasn't been able to outperform against the market.","start":337.28,"end":342.97998,"sentiment":"neutral","sentiment_score":-0.29487096624714987},{"text":"So it's not been doing very well.","start":343.03998,"end":345.53998,"sentiment":"negative","sentiment_score":-0.4656119006020682}],"sentiment":"neutral","sentiment_score":-0.18188936953907306,"num_words":106,"start":311.88,"end":345.53998},{"sentences":[{"text":"Bennelong also generally holds between 15 to 25 different companies within that investment option.","start":345.91498,"end":352.095,"sentiment":"neutral","sentiment_score":-0.11092289377536092},{"text":"So we've replaced it with the BetaShares a 200, which is giving you exposure to the top 200 companies on the ASX.","start":352.235,"end":358.97498,"sentiment":"neutral","sentiment_score":0.10676255652850325},{"text":"So that is essentially tracking the top 200 companies.","start":359.82,"end":362.54,"sentiment":"neutral","sentiment_score":0.1770729480518235},{"text":"So it's helping to lower the risk level of your portfolio and providing greater diversification.","start":362.54,"end":367.28,"sentiment":"positive","sentiment_score":0.35587579011917114},{"text":"So diversification is making sure you're spreading your risk level across lots of different companies, different industries, and different asset classes as well as different countries there as well.","start":367.82,"end":377.29498,"sentiment":"neutral","sentiment_score":0.2682891657640194}],"sentiment":"neutral","sentiment_score":0.17424758339530966,"num_words":89,"start":345.91498,"end":377.29498},{"sentences":[{"text":"So it has worked out really well.","start":377.29498,"end":379.85498,"sentiment":"positive","sentiment_score":0.6806540531771523},{"text":"And since we made that change in the last three months, we have seen a 6% return net of fees for your portfolio in that three month period there.","start":379.85498,"end":389.29498,"sentiment":"positive","sentiment_score":0.4890936109526404},{"text":"So it has definitely been working.","start":389.29498,"end":391.42,"sentiment":"positive","sentiment_score":0.680532972017924},{"text":"Your portfolio has recovered from that, and it's about building on that moving forward there for you.","start":391.42,"end":397.26,"sentiment":"positive","sentiment_score":0.5585752006839303},{"text":"Do you have any questions about any of that thus far?","start":397.58002,"end":400.4,"sentiment":"neutral","sentiment_score":0.08618702468546954}],"sentiment":"positive","sentiment_score":0.4782189515020166,"num_words":70,"start":377.29498,"end":400.4},{"sentences":[{"text":"No?","start":402.38,"end":402.88,"sentiment":"neutral","sentiment_score":0.025791268795728683},{"text":"Yeah.","start":403.26,"end":403.76,"sentiment":"neutral","sentiment_score":0.1723637580871582},{"text":"Fantastic.","start":403.98,"end":404.48,"sentiment":"positive","sentiment_score":0.3693257570266723},{"text":"Excellent.","start":405.355,"end":405.595,"sentiment":"neutral","sentiment_score":0.33298105001449585},{"text":"So, look, it has I wanna keep sort of monitoring things there for you because we have just made this change to your portfolio.","start":405.595,"end":411.61502,"sentiment":"neutral","sentiment_score":0.18000206227103868}],"sentiment":"neutral","sentiment_score":0.18644683315817798,"num_words":28,"start":402.38,"end":411.61502},{"sentences":[{"text":"Depending on how the rest of the review goes, I definitely wanna maybe catch up in about six months with you just to see how things are tracking and look at whether we need to update any advice then for you and maybe update the portfolio as well.","start":412.315,"end":424.73,"sentiment":"neutral","sentiment_score":0.11563154868781567},{"text":"Does that sound okay?","start":424.73,"end":425.95,"sentiment":"neutral","sentiment_score":0.10299862921237946},{"text":"Yeah.","start":427.69,"end":428.17,"sentiment":"neutral","sentiment_score":0.22079966962337497},{"text":"Fantastic.","start":428.17,"end":428.67,"sentiment":"positive","sentiment_score":0.4749086499214173},{"text":"Excellent.","start":429.05002,"end":429.55002,"sentiment":"positive","sentiment_score":0.42588531970977783}],"sentiment":"neutral","sentiment_score":0.12879822714762254,"num_words":55,"start":412.315,"end":429.55002},{"sentences":[{"text":"Excellent.","start":429.69,"end":430.19,"sentiment":"positive","sentiment_score":0.3687627911567688},{"text":"Then on the first page, which had your summary of superannuation and insurances, I'm just referring to the insurance side of things there now.","start":431.13,"end":439.015,"sentiment":"neutral","sentiment_score":0.10076813337703545},{"text":"So you do also have your Zurich insurance policy, which is paid from your super fund.","start":439.015,"end":443.83502,"sentiment":"neutral","sentiment_score":0.07967345393262804},{"text":"Your life cover that you're covered for at the moment has a benefit of 378,034.","start":444.215,"end":450.72,"sentiment":"neutral","sentiment_score":0.07637089143196742},{"text":"So if we think about the theoretical side around the life cover, if you were to, say, pass away today, your your partner, I believe, we've got Eileen as your beneficiary there.","start":450.72,"end":463.575,"sentiment":"neutral","sentiment_score":0.06603856611764058}],"sentiment":"neutral","sentiment_score":0.08319057661785999,"num_words":88,"start":429.69,"end":463.575},{"sentences":[{"text":"She could receive your life benefit of 378,000, but then also your super is paid out on top of that, so the extra 103,000 there.","start":463.89502,"end":472.475,"sentiment":"neutral","sentiment_score":0.10798123866319656},{"text":"I'll just add it all together for you to give you a total.","start":472.935,"end":475.915,"sentiment":"neutral","sentiment_score":0.12815614503163558},{"text":"Three, four.","start":477.3,"end":478.04,"sentiment":"neutral","sentiment_score":0.052558306604623795},{"text":"It's worth that to be between the two.","start":478.41998,"end":480.34,"sentiment":"neutral","sentiment_score":0.0733000161126256},{"text":"About 481,456 that could be paid out as a life benefit.","start":480.34,"end":485.8,"sentiment":"neutral","sentiment_score":0.0319220611656254}],"sentiment":"neutral","sentiment_score":0.09166475028683574,"num_words":59,"start":463.89502,"end":485.8},{"sentences":[{"text":"Between your life insurance and your sleeper, does that feel comfortable for you?","start":486.41998,"end":490.815,"sentiment":"neutral","sentiment_score":0.1019059087221439},{"text":"Did you wanna review that amount, or what's your thought?","start":490.815,"end":494.035,"sentiment":"neutral","sentiment_score":0.029028951562941073},{"text":"That's okay?","start":497.295,"end":498.115,"sentiment":"neutral","sentiment_score":0.15247608721256256},{"text":"Beautiful.","start":498.255,"end":498.755,"sentiment":"positive","sentiment_score":0.6363812685012817},{"text":"Excellent.","start":498.975,"end":499.475,"sentiment":"positive","sentiment_score":0.6421314477920532}],"sentiment":"neutral","sentiment_score":0.11846411924947191,"num_words":27,"start":486.41998,"end":499.475},{"sentences":[{"text":"And you've also got some total permanent disability cover, so TPD.","start":500.015,"end":505.69,"sentiment":"neutral","sentiment_score":0.19196425987915558},{"text":"Do you understand how TPD insurance works and what that is and how it pays?","start":506.39,"end":508.49,"sentiment":"neutral","sentiment_score":0.04910819803675016},{"text":"No.","start":511.27002,"end":511.51,"sentiment":"neutral","sentiment_score":-0.06760060042142868},{"text":"That's okay.","start":511.51,"end":512.31,"sentiment":"neutral","sentiment_score":0.016635549254715446},{"text":"So TPD can pay out a lump sum benefit or an income stream in the event that you're diagnosed with a major disability.","start":512.31,"end":519.22504,"sentiment":"neutral","sentiment_score":0.045265057610104915}],"sentiment":"neutral","sentiment_score":0.07413455100658421,"num_words":52,"start":500.015,"end":519.22504},{"sentences":[{"text":"So say, for example, you can never go back to work again for any occupation for which you're, you know, essentially educated or trained.","start":519.60504,"end":527.625,"sentiment":"neutral","sentiment_score":0.006263775518164039},{"text":"I'm also just pulling up to make sure that you have that correct definition of your TBD there.","start":527.765,"end":532.585,"sentiment":"neutral","sentiment_score":-0.01960699301626947},{"text":"Sorry.","start":533.76,"end":534.0,"sentiment":"neutral","sentiment_score":-0.09312479943037032},{"text":"One second.","start":534.0,"end":534.82,"sentiment":"neutral","sentiment_score":-0.05943005532026291},{"text":"Do love technology when it wants to work for us.","start":536.16,"end":538.48,"sentiment":"neutral","sentiment_score":0.07560110427439212}],"sentiment":"neutral","sentiment_score":0.006207834014838392,"num_words":55,"start":519.60504,"end":538.48},{"sentences":[{"text":"It's taking a second to open up properly.","start":538.48,"end":540.5,"sentiment":"neutral","sentiment_score":-0.009718412533402443},{"text":"So with your TBD definition, yeah.","start":541.68,"end":552.22504,"sentiment":"neutral","sentiment_score":0.015037238908310732},{"text":"It looks like it is an any occupation, but I'll go back and double.","start":553.965,"end":558.465,"sentiment":"neutral","sentiment_score":-0.005954361520707607},{"text":"Yeah.","start":559.95,"end":560.45,"sentiment":"neutral","sentiment_score":0.106292262673378},{"text":"It looks okay.","start":560.59,"end":561.31,"sentiment":"neutral","sentiment_score":0.14064042766888937}],"sentiment":"neutral","sentiment_score":0.014291519299149513,"num_words":32,"start":538.48,"end":561.31},{"sentences":[{"text":"So, realistically, TBD compared that lump sum benefit if you're, you know, diagnosed with a major traumatic condition.","start":561.31,"end":568.45,"sentiment":"neutral","sentiment_score":-0.0113872897086872},{"text":"They compared a lump sum benefit or an income stream.","start":568.67,"end":571.41,"sentiment":"neutral","sentiment_score":0.030252843350172042},{"text":"If you are, say, fully disabled and not able to ever go back to work again for any reason, TPD you can also release your super.","start":572.115,"end":580.59503,"sentiment":"neutral","sentiment_score":0.054833133275119156},{"text":"So you you're covered for the same amount of TPD as you are alive.","start":580.59503,"end":584.375,"sentiment":"neutral","sentiment_score":0.12466045469045639},{"text":"The benefit is 378,034, and then you've also got your super benefit that can be paid out on top of that as well.","start":584.4,"end":593.46,"sentiment":"neutral","sentiment_score":0.1104116227639758}],"sentiment":"neutral","sentiment_score":0.06382343267182727,"num_words":91,"start":561.31,"end":593.46},{"sentences":[{"text":"One of the big things I do like to kind of bring up and just make sure people are aware is that if you are TBD'd, never able to go back to work again, unfortunately, the benefit is taxed.","start":593.76,"end":605.665,"sentiment":"neutral","sentiment_score":-0.1872380138016664},{"text":"So you could pay if you take the full lump sum, you could pay tax on that benefit amount of up to 22%, which is horrible and should not be a thing.","start":605.805,"end":616.62,"sentiment":"negative","sentiment_score":-0.40201784344390035},{"text":"But looking at that benefit amount, are you fairly comfortable with the level of TBD you have?","start":618.52,"end":623.665,"sentiment":"neutral","sentiment_score":-0.024359912337625727},{"text":"Do you think you would need to maybe have more cover, or what's your thoughts?","start":623.665,"end":627.52496,"sentiment":"neutral","sentiment_score":-0.12443082556128501},{"text":"If you have more questions, you're welcome to let me know, and we can talk it through.","start":634.225,"end":637.845,"sentiment":"neutral","sentiment_score":0.27073970217915144}],"sentiment":"neutral","sentiment_score":-0.14870716237152617,"num_words":120,"start":593.76,"end":637.845},{"sentences":[{"text":"Yeah.","start":644.05,"end":644.55,"sentiment":"neutral","sentiment_score":-0.0128307044506073},{"text":"It's kinda hard to work out, you know, what level you realistically need because we're getting insurances to protect us in the event that something was to happen.","start":645.09,"end":653.43,"sentiment":"neutral","sentiment_score":-0.16368495859205723},{"text":"But if you think about the level of cover you have, not factoring in the tax side of things, but if you were to claim on that with the total benefit now your income I have here is about 120,000.","start":653.595,"end":667.27496,"sentiment":"neutral","sentiment_score":-0.02600757833570242},{"text":"Is that right?","start":667.27496,"end":668.175,"sentiment":"neutral","sentiment_score":0.036407118663191795},{"text":"Yep.","start":670.75,"end":670.99,"sentiment":"neutral","sentiment_score":0.26124656200408936}],"sentiment":"neutral","sentiment_score":-0.07213485973236496,"num_words":73,"start":644.05,"end":670.99},{"sentences":[{"text":"Beautiful.","start":670.99,"end":671.47003,"sentiment":"positive","sentiment_score":0.5550782680511475},{"text":"And you're renting where you are.","start":671.47003,"end":673.31,"sentiment":"neutral","sentiment_score":0.20651390155156454},{"text":"Is that correct?","start":673.31,"end":674.21,"sentiment":"neutral","sentiment_score":0.15212608377138773},{"text":"Yeah.","start":675.95,"end":676.35,"sentiment":"neutral","sentiment_score":0.1257653534412384},{"text":"So if we sort of look at income replacement based on the benefit you have at the moment, and if we divide that by your current income, it would replace income for about four years.","start":676.35,"end":686.90497,"sentiment":"neutral","sentiment_score":0.0898293847484248}],"sentiment":"neutral","sentiment_score":0.12000725539806097,"num_words":46,"start":670.99,"end":686.90497},{"sentences":[{"text":"Admittedly, it's not a lot, but does your wife work would she also be able to earn income to help supplement you?","start":687.76495,"end":694.50494,"sentiment":"neutral","sentiment_score":0.03570308502424847},{"text":"Okay.","start":697.5,"end":697.74,"sentiment":"neutral","sentiment_score":-0.04213150963187218},{"text":"So it's just yourself.","start":697.74,"end":698.94,"sentiment":"neutral","sentiment_score":0.01027760561555624},{"text":"So, realistically, if you are having to draw that income of a $120,000 per year for expenses, your TPD benefit would last about four years.","start":698.94,"end":709.84,"sentiment":"neutral","sentiment_score":0.001492282897233963},{"text":"If for any reason you could sort of last on a little bit less, say, if you're not working and the expenses are a little bit lower, you might be able to essentially live on a smaller income amount.","start":710.505,"end":723.325,"sentiment":"neutral","sentiment_score":-0.04465941253762979}],"sentiment":"neutral","sentiment_score":-0.010109486078823006,"num_words":91,"start":687.76495,"end":723.325},{"sentences":[{"text":"So, say, that divided by, say, $60,000 a year, and that would mean that the benefit total could last about eight years wholly after that point.","start":723.385,"end":733.78,"sentiment":"neutral","sentiment_score":0.0882646064632214},{"text":"It'd be about whether you could go back to work, whether or not you could, you know, claim on Centrelink and things like that.","start":734.08,"end":741.245,"sentiment":"neutral","sentiment_score":0.039631216786801815},{"text":"You also do have income protection, so you can be on an income protection benefit if that's a possibility that time as well.","start":741.245,"end":748.765,"sentiment":"neutral","sentiment_score":0.10960425404102905},{"text":"Does that make sense?","start":748.765,"end":749.98505,"sentiment":"neutral","sentiment_score":0.10400514304637909},{"text":"Yeah.","start":751.645,"end":752.125,"sentiment":"neutral","sentiment_score":0.038909912109375}],"sentiment":"neutral","sentiment_score":0.07976740125853282,"num_words":78,"start":723.385,"end":752.125},{"sentences":[{"text":"Did you wanna review the TBD cover, or you're happy with that level for time being, or do you have more questions?","start":752.125,"end":758.06995,"sentiment":"neutral","sentiment_score":0.1272311146286401},{"text":"If you do, you're welcome to let me know.","start":758.06995,"end":760.25,"sentiment":"positive","sentiment_score":0.34119609329435563},{"text":"Yeah.","start":763.43,"end":763.93,"sentiment":"neutral","sentiment_score":0.07745663821697235},{"text":"That's that's yeah.","start":764.23,"end":767.26996,"sentiment":"neutral","sentiment_score":0.2592657407124837},{"text":"That's absolutely fine.","start":767.26996,"end":768.825,"sentiment":"positive","sentiment_score":0.5957292715708414}],"sentiment":"neutral","sentiment_score":0.22400765885647975,"num_words":38,"start":752.125,"end":768.825},{"sentences":[{"text":"If you like, Malcolm, what I could do after the call is I could send you a little bit of an email breakdown noting a little bit about the life keeping in income protection policies, what they pay, how they cover, and notice a bit about your cover that you have.","start":768.905,"end":781.865,"sentiment":"neutral","sentiment_score":0.17334938575239742},{"text":"That way, if you do find you wanna review that or have additional questions, you can let me know.","start":781.865,"end":786.66,"sentiment":"neutral","sentiment_score":0.20986849148022502},{"text":"I know going through the review, it is hard to think about what level you might need, and it is a lot to go through the insurance information.","start":787.04,"end":794.33997,"sentiment":"neutral","sentiment_score":0.001791220557476793},{"text":"So you might find later you have additional questions.","start":794.56,"end":797.68,"sentiment":"neutral","sentiment_score":0.06719645526674059},{"text":"Does that sound okay?","start":797.68,"end":798.89996,"sentiment":"neutral","sentiment_score":0.1061813086271286}],"sentiment":"neutral","sentiment_score":0.12529700467581148,"num_words":111,"start":768.905,"end":798.89996},{"sentences":[{"text":"Yeah.","start":800.89496,"end":801.295,"sentiment":"positive","sentiment_score":0.4614250957965851},{"text":"Beautiful.","start":801.295,"end":801.795,"sentiment":"positive","sentiment_score":0.6581976413726807},{"text":"Now you do also have the income protection benefit here.","start":802.735,"end":805.795,"sentiment":"neutral","sentiment_score":0.16352128088474274},{"text":"It currently has a monthly pay benefit payable pretax of nine sorry.","start":805.855,"end":811.055,"sentiment":"neutral","sentiment_score":0.09993067073325317},{"text":"4,977.","start":811.055,"end":813.39496,"sentiment":"neutral","sentiment_score":0.0464564748108387}],"sentiment":"neutral","sentiment_score":0.1600184027850628,"num_words":25,"start":800.89496,"end":813.39496},{"sentences":[{"text":"If you were off work due to illness or injury, do you feel like that's appropriate?","start":813.88,"end":817.42,"sentiment":"neutral","sentiment_score":-0.09650815208442509},{"text":"Do you feel like you would need to sort of reassess that at all?","start":817.48,"end":821.33997,"sentiment":"neutral","sentiment_score":-0.07874063189540591},{"text":"7,000.","start":823.16,"end":824.06,"sentiment":"neutral","sentiment_score":-0.04657725244760513},{"text":"No.","start":824.12,"end":824.27997,"sentiment":"neutral","sentiment_score":-0.1331076622009277},{"text":"That's okay.","start":824.27997,"end":825.1,"sentiment":"neutral","sentiment_score":-0.04736192710697651}],"sentiment":"neutral","sentiment_score":-0.08590906025732264,"num_words":34,"start":813.88,"end":825.1},{"sentences":[{"text":"Looking at your current income based on a 120,000, you are slightly underinsured for income protection.","start":826.25494,"end":831.935,"sentiment":"neutral","sentiment_score":-0.07316617108881474},{"text":"You can always look to increase that to 70%, which is the maximum you can be covered for.","start":831.935,"end":836.915,"sentiment":"neutral","sentiment_score":0.0150811734298865},{"text":"But if you feel like that's an appropriate amount, you're comfortable just leaving it as is for the time being.","start":837.21497,"end":842.16,"sentiment":"neutral","sentiment_score":0.11306671127676964},{"text":"Is that right?","start":842.16,"end":843.06,"sentiment":"neutral","sentiment_score":0.09682834645112355},{"text":"Yep.","start":844.88,"end":845.28,"sentiment":"neutral","sentiment_score":0.1463753581047058}],"sentiment":"neutral","sentiment_score":0.03101718978121363,"num_words":58,"start":826.25494,"end":845.28},{"sentences":[{"text":"That's okay.","start":845.28,"end":846.1,"sentiment":"neutral","sentiment_score":0.2493615746498108},{"text":"You've also got a thirty day waiting period, so it just means you need to be off work for thirty days prior to making a claim and a five year benefit.","start":846.48,"end":853.86,"sentiment":"neutral","sentiment_score":0.11795385722671786},{"text":"So you just need to be you can be on a claim for up to five years in the event of an income protection claim.","start":853.92,"end":859.745,"sentiment":"neutral","sentiment_score":0.12449009701609612},{"text":"Is that yeah.","start":859.805,"end":861.72504,"sentiment":"neutral","sentiment_score":0.048411515851815544},{"text":"Do you have any questions at all so far?","start":861.72504,"end":864.145,"sentiment":"neutral","sentiment_score":0.021614717837009165}],"sentiment":"neutral","sentiment_score":0.10867588795455439,"num_words":70,"start":845.28,"end":864.145},{"sentences":[{"text":"No.","start":866.045,"end":866.28503,"sentiment":"neutral","sentiment_score":-0.16554713249206543},{"text":"That's okay.","start":866.28503,"end":867.085,"sentiment":"neutral","sentiment_score":-0.03459498472511768},{"text":"All good.","start":867.085,"end":867.485,"sentiment":"neutral","sentiment_score":0.27819088101387024},{"text":"Do you have much in the way of sick leave, annual leave, long service leave, other things that you can sort of fall back on at work as well if you're unable to go to work in a shorter term?","start":867.485,"end":875.51996,"sentiment":"neutral","sentiment_score":-0.19925655964761974},{"text":"Long service?","start":879.26,"end":880.07996,"sentiment":"neutral","sentiment_score":-0.003934233216568828}],"sentiment":"neutral","sentiment_score":-0.16290396153728695,"num_words":47,"start":866.045,"end":880.07996},{"sentences":[{"text":"Yeah.","start":884.45996,"end":884.775,"sentiment":"neutral","sentiment_score":0.04045512527227402},{"text":"Yeah.","start":885.335,"end":885.815,"sentiment":"neutral","sentiment_score":0.09795255959033966},{"text":"Beautiful.","start":885.815,"end":886.315,"sentiment":"positive","sentiment_score":0.42561811208724976},{"text":"So you're one of those.","start":886.775,"end":887.655,"sentiment":"positive","sentiment_score":0.3567598223686218},{"text":"You're never sick.","start":887.655,"end":888.53503,"sentiment":"positive","sentiment_score":0.355701744556427}],"sentiment":"neutral","sentiment_score":0.3104481947692958,"num_words":11,"start":884.45996,"end":888.53503},{"sentences":[{"text":"You go to work, and you bank it all up.","start":888.53503,"end":891.03503,"sentiment":"positive","sentiment_score":0.3849041134119034},{"text":"Beautiful.","start":894.61505,"end":895.11505,"sentiment":"positive","sentiment_score":0.5622732043266296},{"text":"Well, thank you so much for clarifying that.","start":895.255,"end":897.015,"sentiment":"positive","sentiment_score":0.5545326694846153},{"text":"As I said, I'll send you an email after the call just clarifying the information around the insurance side of things, and you're welcome to come back and let me know if there are any questions that you have or if you and your wife discover that you might wanna review those levels of cover.","start":897.015,"end":910.02,"sentiment":"neutral","sentiment_score":0.2561229579828002},{"text":"Okay?","start":910.02,"end":910.52,"sentiment":"neutral","sentiment_score":0.13759389519691467}],"sentiment":"neutral","sentiment_score":0.3076257637143135,"num_words":75,"start":888.53503,"end":910.52},{"sentences":[{"text":"Excellent.","start":912.33997,"end":912.83997,"sentiment":"positive","sentiment_score":0.4490845203399658},{"text":"Beautiful.","start":913.06,"end":913.56,"sentiment":"positive","sentiment_score":0.42207103967666626},{"text":"Now I do have to let you know there are other types of insurances depending on your depending on your circumstances, sorry, that you, you know, may like to look at in the future.","start":914.36505,"end":923.10504,"sentiment":"neutral","sentiment_score":-0.01930540328954949},{"text":"You can also get trauma, which pays out a lump sum tax free benefit if you, say, have a heart attack or a stroke or certain neurological conditions.","start":923.565,"end":931.49,"sentiment":"neutral","sentiment_score":-0.03524122713133693},{"text":"Cancer's probably a big one.","start":932.27,"end":934.05,"sentiment":"neutral","sentiment_score":-0.1211294949054718}],"sentiment":"neutral","sentiment_score":-0.019965651971490486,"num_words":69,"start":912.33997,"end":934.05},{"sentences":[{"text":"And do you have children?","start":934.75,"end":936.59,"sentiment":"neutral","sentiment_score":-0.024778702482581138},{"text":"I believe you've got a couple of kids.","start":936.59,"end":939.01,"sentiment":"neutral","sentiment_score":-0.01800434896722436},{"text":"Five children.","start":942.75,"end":943.65,"sentiment":"neutral","sentiment_score":-0.009028987493366003},{"text":"Wow.","start":943.71,"end":944.11,"sentiment":"neutral","sentiment_score":-0.00015952903777360916},{"text":"How old are they?","start":944.11,"end":945.25,"sentiment":"neutral","sentiment_score":-0.010774995433166623}],"sentiment":"neutral","sentiment_score":-0.016462289495393634,"num_words":20,"start":934.75,"end":945.25},{"sentences":[{"text":"Wow.","start":948.88495,"end":949.38495,"sentiment":"neutral","sentiment_score":0.002756711095571518},{"text":"Yeah.","start":950.565,"end":951.065,"sentiment":"neutral","sentiment_score":0.0065652355551719666},{"text":"Wow.","start":956.64496,"end":956.96497,"sentiment":"neutral","sentiment_score":0.026375697925686836},{"text":"They're all grown up.","start":956.96497,"end":958.105,"sentiment":"neutral","sentiment_score":0.01180674321949482},{"text":"No.","start":960.33997,"end":960.74,"sentiment":"neutral","sentiment_score":0.015506219118833542}],"sentiment":"neutral","sentiment_score":0.012303854571655393,"num_words":8,"start":948.88495,"end":960.74},{"sentences":[{"text":"Fantastic.","start":960.74,"end":961.24,"sentiment":"neutral","sentiment_score":0.15126749873161316},{"text":"Did you wanna look at any additional kind of insurances outside of what you've got to cover you for any gaps in your risk, or you're happy just with the the insurances you've that we've gone through that you currently have?","start":962.25995,"end":973.405,"sentiment":"neutral","sentiment_score":0.04188207264353589},{"text":"Yep.","start":976.585,"end":976.905,"sentiment":"neutral","sentiment_score":-0.004662893246859312},{"text":"That's okay.","start":976.905,"end":977.705,"sentiment":"neutral","sentiment_score":0.033223750069737434},{"text":"Not a problem at all.","start":977.705,"end":978.905,"sentiment":"neutral","sentiment_score":0.0830729603767395}],"sentiment":"neutral","sentiment_score":0.04691163771785796,"num_words":50,"start":960.74,"end":978.905},{"sentences":[{"text":"Fantastic.","start":978.905,"end":979.405,"sentiment":"positive","sentiment_score":0.35503190755844116},{"text":"We've kinda gone through most things.","start":980.425,"end":981.945,"sentiment":"neutral","sentiment_score":0.09078862192109227},{"text":"The only other things attached to that email are the sorry.","start":981.945,"end":987.02997,"sentiment":"negative","sentiment_score":-0.3363957391543822},{"text":"The certificates of currency, which outline a little bit more around the types of cover that you have, the levels of cover that you have with Zurich there as well.","start":987.02997,"end":994.97,"sentiment":"neutral","sentiment_score":-0.08548211206992468},{"text":"These do go through a renewal every year.","start":995.43,"end":997.75,"sentiment":"neutral","sentiment_score":-0.039841846562922}],"sentiment":"neutral","sentiment_score":-0.1014962076109701,"num_words":56,"start":978.905,"end":997.75},{"sentences":[{"text":"They do get more expensive over time, but they do also grow in value.","start":997.75,"end":1001.365,"sentiment":"neutral","sentiment_score":-0.019360165244766643},{"text":"So they are indexed along with CPIs.","start":1001.365,"end":1003.465,"sentiment":"neutral","sentiment_score":0.057845991903117726},{"text":"So the level of cover you have does increase over time, but the premiums do also increase.","start":1003.605,"end":1009.365,"sentiment":"neutral","sentiment_score":0.018116624258896884},{"text":"So we just wanna review those with with you on a regular basis.","start":1009.365,"end":1012.565,"sentiment":"neutral","sentiment_score":0.15724356472492218},{"text":"And if I kinda go back and find us anything that kinda flags the need to bring forward to you, I'll make sure we come back and have that conversation.","start":1012.565,"end":1019.86,"sentiment":"neutral","sentiment_score":0.08442277101178965}],"sentiment":"neutral","sentiment_score":0.061959403877456985,"num_words":81,"start":997.75,"end":1019.86},{"sentences":[{"text":"Okay?","start":1020.32,"end":1020.82,"sentiment":"neutral","sentiment_score":0.1230679526925087},{"text":"Excellent.","start":1022.56,"end":1023.06,"sentiment":"positive","sentiment_score":0.6859382390975952},{"text":"We've also got the the financial services guide attached with Outline.","start":1023.27997,"end":1027.04,"sentiment":"positive","sentiment_score":0.3846754079515284},{"text":"Everything about who we are, what we do, how we do it, has a lovely glossy photo of me in there, and all of my licensing information as a licensed adviser for you as well.","start":1027.04,"end":1036.505,"sentiment":"positive","sentiment_score":0.4190254739352635},{"text":"Okay?","start":1036.505,"end":1037.005,"sentiment":"neutral","sentiment_score":0.17895710468292236}],"sentiment":"positive","sentiment_score":0.4058221300341645,"num_words":49,"start":1020.32,"end":1037.005},{"sentences":[{"text":"We also do have attached the ongoing service agreement.","start":1038.825,"end":1042.26,"sentiment":"neutral","sentiment_score":0.16989768462048638},{"text":"So to keep us as your servicing adviser and keep us looking after your suit for the insurances and helping you provide advice long term to meet your goals, we do charge an ongoing service fee for doing so.","start":1042.5599,"end":1053.915,"sentiment":"neutral","sentiment_score":0.22576937012565443},{"text":"Our ongoing service fee is now a tiered structure, so it starts at 1.65% per annum as it has.","start":1054.3151,"end":1061.055,"sentiment":"neutral","sentiment_score":0.09735612865341337},{"text":"And once your balance sets over 200,000, then you drop into the lower tier and the fee drops down to 1.375.","start":1061.1951,"end":1069.0801,"sentiment":"neutral","sentiment_score":0.1067218684724399},{"text":"So it works in a bit of a tiered structure.","start":1069.0801,"end":1071.02,"sentiment":"neutral","sentiment_score":0.12744056284427643}],"sentiment":"neutral","sentiment_score":0.1601981215026914,"num_words":98,"start":1038.825,"end":1071.02},{"sentences":[{"text":"The newer ongoing service agreements actually outline your fee as a dollar figure instead of just an estimate so that it's giving you more certainty around how much you're likely to pay for our service.","start":1071.48,"end":1082.535,"sentiment":"neutral","sentiment_score":0.17900991759129933},{"text":"So because your balance is still essentially sitting at the 1.65%, we estimate it to be about $1,700 for the year there.","start":1082.615,"end":1092.235,"sentiment":"neutral","sentiment_score":0.15116131847554987},{"text":"And to keep us as your adviser and keep looking after your super and monitoring things and helping you moving forward, I do ask that you sign and return that back after the call for me.","start":1092.295,"end":1102.11,"sentiment":"neutral","sentiment_score":0.2538987197395828},{"text":"Do you have any questions about the fee structure or anything there at all that's come to mind?","start":1102.17,"end":1106.99,"sentiment":"neutral","sentiment_score":0.055955108565588794},{"text":"No.","start":1109.61,"end":1109.93,"sentiment":"neutral","sentiment_score":-0.15686680376529694}],"sentiment":"neutral","sentiment_score":0.1748354927071237,"num_words":112,"start":1071.48,"end":1109.93},{"sentences":[{"text":"That's okay.","start":1109.93,"end":1110.8301,"sentiment":"neutral","sentiment_score":-0.0274252169765532},{"text":"All good.","start":1110.89,"end":1111.635,"sentiment":"positive","sentiment_score":0.5118186473846436},{"text":"The only last sort of things to run through is just to make sure that your circumstances look at see if there's any major changes there at all.","start":1112.035,"end":1118.675,"sentiment":"neutral","sentiment_score":-0.03025575747181262},{"text":"You've confirmed your income's about 120,000 for the year.","start":1118.675,"end":1122.115,"sentiment":"neutral","sentiment_score":0.019394370313319895},{"text":"Is that still correct?","start":1122.115,"end":1123.415,"sentiment":"neutral","sentiment_score":0.031160850543528795}],"sentiment":"neutral","sentiment_score":0.009351519702209366,"num_words":45,"start":1109.93,"end":1123.415},{"sentences":[{"text":"Yep.","start":1125.25,"end":1125.65,"sentiment":"neutral","sentiment_score":0.09026973694562912},{"text":"Beautiful.","start":1125.65,"end":1126.15,"sentiment":"positive","sentiment_score":0.3680768013000488},{"text":"Are you due for a pay rise soon at all?","start":1126.29,"end":1128.63,"sentiment":"neutral","sentiment_score":0.10981379523873329},{"text":"Fantastic.","start":1132.13,"end":1132.63,"sentiment":"positive","sentiment_score":0.691906213760376},{"text":"Well, cross your fingers.","start":1132.93,"end":1133.81,"sentiment":"positive","sentiment_score":0.530249334871769}],"sentiment":"neutral","sentiment_score":0.25702282611061544,"num_words":17,"start":1125.25,"end":1133.81},{"sentences":[{"text":"You get a nice one.","start":1133.81,"end":1135.03,"sentiment":"positive","sentiment_score":0.6085629940032959},{"text":"Fantastic.","start":1139.885,"end":1140.385,"sentiment":"positive","sentiment_score":0.5436426997184753},{"text":"Excellent.","start":1141.0851,"end":1141.5851,"sentiment":"positive","sentiment_score":0.4982911348342895},{"text":"Are you yourself and Eileen managing to sort of save much on a weekly or monthly basis out of your income, or are you finding all of your income is going towards the expenses of the household?","start":1142.605,"end":1152.0,"sentiment":"neutral","sentiment_score":0.1169690499837334},{"text":"How do you sort of find things at the moment?","start":1152.0,"end":1153.9401,"sentiment":"neutral","sentiment_score":0.007041830383241176}],"sentiment":"neutral","sentiment_score":0.15709299921851466,"num_words":54,"start":1133.81,"end":1153.9401},{"sentences":[{"text":"Oh, fantastic.","start":1165.52,"end":1166.3401,"sentiment":"positive","sentiment_score":0.3339672386646271},{"text":"Yeah.","start":1167.3351,"end":1167.735,"sentiment":"neutral","sentiment_score":0.18861693143844604},{"text":"Beautiful.","start":1167.735,"end":1168.235,"sentiment":"neutral","sentiment_score":0.31312084197998047},{"text":"Are you putting a set amount away every week to sort of help with that, or is it just whatever you have available at the end of the week?","start":1168.375,"end":1175.435,"sentiment":"neutral","sentiment_score":0.04976517861259395},{"text":"Okay.","start":1179.175,"end":1179.655,"sentiment":"neutral","sentiment_score":0.08211866021156311}],"sentiment":"neutral","sentiment_score":0.07926414972719024,"num_words":34,"start":1165.52,"end":1179.655},{"sentences":[{"text":"Beautiful.","start":1179.655,"end":1180.155,"sentiment":"neutral","sentiment_score":0.13040058314800262},{"text":"Do you have much in savings at the moment?","start":1180.295,"end":1182.475,"sentiment":"neutral","sentiment_score":0.013483509628309144},{"text":"Yeah.","start":1187.78,"end":1188.28,"sentiment":"neutral","sentiment_score":-0.04375849664211273},{"text":"Yeah.","start":1188.5,"end":1189.0,"sentiment":"neutral","sentiment_score":-0.06480635702610016},{"text":"Oh, no.","start":1199.9451,"end":1201.005,"sentiment":"neutral","sentiment_score":-0.13577806949615479}],"sentiment":"neutral","sentiment_score":-0.009169201632695538,"num_words":14,"start":1179.655,"end":1201.005},{"sentences":[{"text":"So you're having to try and find something else for the time being.","start":1201.305,"end":1204.525,"sentiment":"neutral","sentiment_score":-0.13908727638996565},{"text":"Oh, oh, I see your wife is house hunting currently.","start":1206.185,"end":1210.765,"sentiment":"neutral","sentiment_score":-0.07213828377425671},{"text":"Poor soul.","start":1210.905,"end":1211.805,"sentiment":"neutral","sentiment_score":-0.2101140171289444},{"text":"Have you found anything that you like that you're sort of looking to move into for the time being?","start":1214.31,"end":1218.97,"sentiment":"neutral","sentiment_score":-0.037526703292601986},{"text":"Yep.","start":1224.47,"end":1224.97,"sentiment":"neutral","sentiment_score":-0.01436924934387207}],"sentiment":"neutral","sentiment_score":-0.08171382393274042,"num_words":45,"start":1201.305,"end":1224.97},{"sentences":[{"text":"Yeah.","start":1229.265,"end":1229.765,"sentiment":"neutral","sentiment_score":0.004478828981518745},{"text":"Yeah.","start":1231.5851,"end":1232.0851,"sentiment":"neutral","sentiment_score":0.04393929988145828},{"text":"Absolutely.","start":1232.145,"end":1232.645,"sentiment":"neutral","sentiment_score":0.07775413990020752},{"text":"And so that sort of means that some of your savings you've got there for your home deposit will probably have to go towards, like, rental expenses and moving expenses for the time being.","start":1233.185,"end":1242.6699,"sentiment":"neutral","sentiment_score":0.03956240747014389},{"text":"Yeah.","start":1244.73,"end":1245.23,"sentiment":"neutral","sentiment_score":0.07750838994979858}],"sentiment":"neutral","sentiment_score":0.040757960860470406,"num_words":38,"start":1229.265,"end":1245.23},{"sentences":[{"text":"Yeah.","start":1245.53,"end":1246.03,"sentiment":"neutral","sentiment_score":0.1305103898048401},{"text":"Well, I'm so sorry to hear that, but, hopefully, your new home is a little bit nicer, and you'll get back into saving again and, hopefully have a deposit to get into a new home in the future.","start":1246.09,"end":1255.595,"sentiment":"positive","sentiment_score":0.3660717875157532},{"text":"Just so you are aware as well, we do also have access to mortgage brokers, which are completely free to yourself.","start":1256.855,"end":1263.2749,"sentiment":"neutral","sentiment_score":0.13416531752972377},{"text":"We can refer you across to a mortgage broker when and if you are, you know, wanting to look at servicing capacity and looking at buying a home to see what kind of borrowing capacity you would have based on your expenses, which can definitely help when you are looking at buying a home, what you might be able to purchase the cost and things like that for you.","start":1264.1349,"end":1282.285,"sentiment":"neutral","sentiment_score":0.13439056719990744},{"text":"Okay?","start":1282.285,"end":1282.785,"sentiment":"neutral","sentiment_score":0.08018917590379715}],"sentiment":"neutral","sentiment_score":0.2016296022786544,"num_words":130,"start":1245.53,"end":1282.785},{"sentences":[{"text":"Fantastic.","start":1284.6051,"end":1285.1051,"sentiment":"positive","sentiment_score":0.4197213053703308},{"text":"Excellent.","start":1285.4851,"end":1285.9851,"sentiment":"positive","sentiment_score":0.40132492780685425},{"text":"Just on that savings account, how much do you have sitting in there at the moment?","start":1286.685,"end":1290.305,"sentiment":"neutral","sentiment_score":0.20170802110806108},{"text":"Okay.","start":1301.82,"end":1302.32,"sentiment":"neutral","sentiment_score":0.00823216326534748},{"text":"Yeah.","start":1303.58,"end":1304.08,"sentiment":"neutral","sentiment_score":0.14618253707885742}],"sentiment":"neutral","sentiment_score":0.21013946356251836,"num_words":20,"start":1284.6051,"end":1304.08},{"sentences":[{"text":"That's okay.","start":1304.46,"end":1305.1799,"sentiment":"neutral","sentiment_score":0.3099209666252136},{"text":"That's actually really good.","start":1305.1799,"end":1306.5599,"sentiment":"positive","sentiment_score":0.5507851094007492},{"text":"Fantastic.","start":1306.62,"end":1307.12,"sentiment":"positive","sentiment_score":0.5284091830253601},{"text":"And if you had to quantify your savings, are you managing to sort of put away on average about 1 to 200 on a weekly or monthly basis, or how would you quantify it realistically?","start":1308.745,"end":1317.805,"sentiment":"neutral","sentiment_score":0.14626087014164244},{"text":"Yep.","start":1325.88,"end":1326.38,"sentiment":"neutral","sentiment_score":0.1379968523979187}],"sentiment":"neutral","sentiment_score":0.20019811305195787,"num_words":43,"start":1304.46,"end":1326.38},{"sentences":[{"text":"Perfect.","start":1326.6,"end":1327.1,"sentiment":"positive","sentiment_score":0.36922687292099},{"text":"Fantastic.","start":1327.56,"end":1328.06,"sentiment":"positive","sentiment_score":0.4188244342803955},{"text":"Excellent.","start":1328.2001,"end":1328.7001,"sentiment":"positive","sentiment_score":0.4284782409667969},{"text":"Thank you for updating that.","start":1328.76,"end":1330.3,"sentiment":"positive","sentiment_score":0.47857621908187864},{"text":"Obviously, down at the moment with you guys trying to save for a home deposit and moving, additional contributions not might not be something you're wanting to look at.","start":1330.76,"end":1338.6649,"sentiment":"neutral","sentiment_score":0.11625368327930055}],"sentiment":"neutral","sentiment_score":0.18866939077506195,"num_words":37,"start":1326.6,"end":1338.6649},{"sentences":[{"text":"But down the track, are you open to maybe considering additional contributions to provide a greater boost to your super for that retirement income stream at 65?","start":1338.6649,"end":1347.45,"sentiment":"neutral","sentiment_score":0.16238868429704947},{"text":"Yep.","start":1349.69,"end":1350.01,"sentiment":"neutral","sentiment_score":0.11549310386180878},{"text":"Beautiful.","start":1350.01,"end":1350.51,"sentiment":"neutral","sentiment_score":0.2982431948184967},{"text":"Especially being as, you know, with your wife not working, it looks like your super is gonna be the main retirement income stream that you would have to focus on.","start":1350.57,"end":1358.09,"sentiment":"neutral","sentiment_score":0.16173636118570964},{"text":"Am I right, or does your wife have something to fall back on?","start":1358.09,"end":1360.99,"sentiment":"neutral","sentiment_score":0.04888048280890171}],"sentiment":"neutral","sentiment_score":0.14285788731649518,"num_words":72,"start":1338.6649,"end":1360.99},{"sentences":[{"text":"No.","start":1362.905,"end":1363.405,"sentiment":"neutral","sentiment_score":-0.06006797403097153},{"text":"That's okay.","start":1364.265,"end":1365.165,"sentiment":"neutral","sentiment_score":0.0635011550039053},{"text":"That's okay.","start":1365.3049,"end":1366.105,"sentiment":"neutral","sentiment_score":0.17698736488819122},{"text":"It's not a problem.","start":1366.105,"end":1366.905,"sentiment":"neutral","sentiment_score":0.18811142072081566},{"text":"We can certainly look to help you there.","start":1366.905,"end":1368.4249,"sentiment":"positive","sentiment_score":0.6335225701332092}],"sentiment":"positive","sentiment_score":0.36714913586483283,"num_words":17,"start":1362.905,"end":1368.4249},{"sentences":[{"text":"I wanna make sure you guys do enjoy your retirement when you get to that point.","start":1368.4249,"end":1371.785,"sentiment":"positive","sentiment_score":0.69621791690588},{"text":"You are still young enough to, you know, to work hard and build that retirement income stream up.","start":1371.785,"end":1377.44,"sentiment":"positive","sentiment_score":0.4983653740750419},{"text":"I had your goal of 65 for accessing super.","start":1377.44,"end":1380.3999,"sentiment":"neutral","sentiment_score":0.19985484083493552},{"text":"Is that still fairly accurate, do you think, or would you be wanting to retire earlier or later or not really sure?","start":1380.3999,"end":1386.1799,"sentiment":"neutral","sentiment_score":0.01604690919206901},{"text":"Yep.","start":1389.44,"end":1389.94,"sentiment":"neutral","sentiment_score":0.05046467483043671}],"sentiment":"positive","sentiment_score":0.3380644492184122,"num_words":66,"start":1368.4249,"end":1389.94},{"sentences":[{"text":"That's okay.","start":1390.1599,"end":1391.105,"sentiment":"neutral","sentiment_score":0.20490548759698868},{"text":"That's okay.","start":1395.885,"end":1396.605,"sentiment":"neutral","sentiment_score":0.2112351879477501},{"text":"Are you happy with me utilizing 65 as your goal for the time being, and then we can kinda build on that down the track?","start":1396.605,"end":1402.705,"sentiment":"neutral","sentiment_score":0.3071581768989563},{"text":"Yeah.","start":1404.26,"end":1404.76,"sentiment":"neutral","sentiment_score":0.2756696939468384},{"text":"Beautiful.","start":1404.82,"end":1405.32,"sentiment":"positive","sentiment_score":0.5964555144309998}],"sentiment":"neutral","sentiment_score":0.30268906393358785,"num_words":31,"start":1390.1599,"end":1405.32},{"sentences":[{"text":"Excellent.","start":1405.46,"end":1405.96,"sentiment":"positive","sentiment_score":0.6448489427566528},{"text":"And just I've also noted your goal here that you are looking to purchase your a home in the future there as well.","start":1407.22,"end":1413.08,"sentiment":"neutral","sentiment_score":0.3301178372424582},{"text":"I've also got down here that your assets wise, your cars, they had a combined value of 60,000.","start":1413.62,"end":1420.365,"sentiment":"neutral","sentiment_score":0.03891802475684219},{"text":"If you think about the two vehicles that you have at the moment, would you still value them about that, or would you alter or change that valuation?","start":1420.365,"end":1426.625,"sentiment":"neutral","sentiment_score":-0.005683351773768663},{"text":"Yeah.","start":1430.9249,"end":1431.33,"sentiment":"neutral","sentiment_score":0.06204944849014282}],"sentiment":"neutral","sentiment_score":0.12452111610959113,"num_words":71,"start":1405.46,"end":1431.33},{"sentences":[{"text":"Beautiful.","start":1431.49,"end":1431.8099,"sentiment":"neutral","sentiment_score":0.19617438316345215},{"text":"And how much rent are you paying at the moment?","start":1431.8099,"end":1433.9099,"sentiment":"neutral","sentiment_score":0.045621204748749734},{"text":"$7.50 per week.","start":1437.33,"end":1438.7699,"sentiment":"neutral","sentiment_score":0.04103014121452967},{"text":"Beautiful.","start":1438.7699,"end":1439.2699,"sentiment":"neutral","sentiment_score":0.17577926814556122},{"text":"Do you both have contents insurance for the contents within the rental home?","start":1439.89,"end":1445.19,"sentiment":"neutral","sentiment_score":0.005993284428348908}],"sentiment":"neutral","sentiment_score":0.036756029286022694,"num_words":28,"start":1431.49,"end":1445.19},{"sentences":[{"text":"Not sure.","start":1449.8049,"end":1450.5449,"sentiment":"neutral","sentiment_score":-0.058900365605950356},{"text":"That's okay.","start":1453.965,"end":1454.6849,"sentiment":"neutral","sentiment_score":0.05238872766494751},{"text":"That's not a problem at all.","start":1454.6849,"end":1456.3049,"sentiment":"neutral","sentiment_score":0.10428534944852193},{"text":"Even though you are renting, realistically, contents insurance is something to consider because if something was to happen to the property while the owner needs to obviously factor in the the cost of replacing or rebuilding the home, everything inside the home that you own and pay for is still considered, you know, content and still considered an asset and would need to be replaced, which could be an additional con a cost to yourself.","start":1456.445,"end":1480.065,"sentiment":"neutral","sentiment_score":-0.015893936241045594},{"text":"So it is definitely worth looking at maybe having contents insurance to protect everything you guys have and own.","start":1480.685,"end":1486.305,"sentiment":"neutral","sentiment_score":0.1441793030029849}],"sentiment":"neutral","sentiment_score":0.020769714997955956,"num_words":104,"start":1449.8049,"end":1486.305},{"sentences":[{"text":"Yeah.","start":1486.525,"end":1487.025,"sentiment":"neutral","sentiment_score":0.08472716808319092},{"text":"That's okay.","start":1488.36,"end":1489.08,"sentiment":"neutral","sentiment_score":0.1379465088248253},{"text":"Do you have any other assets you'd note down?","start":1489.08,"end":1491.4,"sentiment":"neutral","sentiment_score":0.07436363523205121},{"text":"Any other, you know, shares, cryptocurrency, collections, anything else of value?","start":1491.4,"end":1495.82,"sentiment":"neutral","sentiment_score":0.0678461834110997},{"text":"No.","start":1499.24,"end":1499.48,"sentiment":"neutral","sentiment_score":-0.08562277257442474}],"sentiment":"neutral","sentiment_score":0.0704407561570406,"num_words":24,"start":1486.525,"end":1499.48},{"sentences":[{"text":"That's okay.","start":1499.48,"end":1500.38,"sentiment":"neutral","sentiment_score":-0.026447721756994724},{"text":"Do you have any large debts, personal loans, credit cards, or any other liabilities to kind of note down?","start":1500.995,"end":1506.4551,"sentiment":"neutral","sentiment_score":-0.04121925750453221},{"text":"No.","start":1509.875,"end":1510.035,"sentiment":"neutral","sentiment_score":-0.13609537482261658},{"text":"That's okay.","start":1510.035,"end":1510.8551,"sentiment":"neutral","sentiment_score":0.018667489290237427},{"text":"All good.","start":1510.995,"end":1511.8151,"sentiment":"positive","sentiment_score":0.4418921321630478}],"sentiment":"neutral","sentiment_score":-0.0019629795390825986,"num_words":26,"start":1499.48,"end":1511.8151},{"sentences":[{"text":"And the only other thing to sort of consider, sorry, is your estate planning.","start":1513.0751,"end":1518.35,"sentiment":"neutral","sentiment_score":0.015491082066936153},{"text":"Sorry.","start":1519.05,"end":1519.55,"sentiment":"neutral","sentiment_score":-0.034243203699588776},{"text":"Have you and your wife ever spoken to a solicitor or talked about drawing up a will at all?","start":1520.65,"end":1525.47,"sentiment":"neutral","sentiment_score":-0.03732904742814993},{"text":"No.","start":1528.41,"end":1528.65,"sentiment":"neutral","sentiment_score":-0.11473846435546876},{"text":"That's okay.","start":1528.65,"end":1529.475,"sentiment":"neutral","sentiment_score":-0.017450785264372826}],"sentiment":"neutral","sentiment_score":-0.01827729704814988,"num_words":37,"start":1513.0751,"end":1529.475},{"sentences":[{"text":"It is definitely worth having the conversation as well, just sort of noting that, you know, your beneficiaries inside Super and your life insurance beneficiaries are there to direct those funds in the event of something happening to you.","start":1529.475,"end":1541.575,"sentiment":"neutral","sentiment_score":0.07791698537766933},{"text":"However, it is also important to consider, you know, what happens to everything else that you own if you don't have a will in place and you do pass away.","start":1542.17,"end":1550.99,"sentiment":"neutral","sentiment_score":-0.12171854960421721},{"text":"It does end up being in test date, which means that the process everything has to kinda go through a probate process.","start":1551.13,"end":1557.565,"sentiment":"neutral","sentiment_score":-0.13527628881010142},{"text":"It is a legal process, and, essentially, the legal system decides where those funds go to or what happens to everything.","start":1557.565,"end":1563.9049,"sentiment":"neutral","sentiment_score":-0.08731220059451603},{"text":"Whilst your wife does tend to get most things, it can also make the process slightly harder because other members of the other members of your family or friends can come forward and stake a claim.","start":1564.5249,"end":1575.95,"sentiment":"neutral","sentiment_score":-0.2580708927578396}],"sentiment":"neutral","sentiment_score":-0.09941203218909937,"num_words":148,"start":1529.475,"end":1575.95},{"sentences":[{"text":"There's no guarantees that they'll get anything, but staking a claim can just make the process very hard on your wife in the event of something happening to you.","start":1576.01,"end":1583.3099,"sentiment":"neutral","sentiment_score":-0.2838117690949604},{"text":"Okay?","start":1583.37,"end":1583.87,"sentiment":"neutral","sentiment_score":0.034039027988910675},{"text":"Excellent.","start":1585.0851,"end":1585.5851,"sentiment":"positive","sentiment_score":0.5210684537887573},{"text":"I've got down here that your beneficiaries are Eileen on your super and your insurances.","start":1585.965,"end":1592.0651,"sentiment":"positive","sentiment_score":0.48033535877863565},{"text":"You're happy for that a 100% to be paid to her in the event of something occurring?","start":1592.2051,"end":1596.305,"sentiment":"positive","sentiment_score":0.4598836776088266}],"sentiment":"neutral","sentiment_score":0.11662887427068892,"num_words":63,"start":1576.01,"end":1596.305},{"sentences":[{"text":"Yeah.","start":1598.07,"end":1598.39,"sentiment":"neutral","sentiment_score":0.2376326024532318},{"text":"Happy wife, happy life.","start":1598.39,"end":1599.51,"sentiment":"positive","sentiment_score":0.4664175361394882},{"text":"Am I right?","start":1599.51,"end":1600.33,"sentiment":"neutral","sentiment_score":0.3076906204223633},{"text":"Excellent.","start":1603.51,"end":1604.01,"sentiment":"positive","sentiment_score":0.5296549797058105},{"text":"All good.","start":1604.15,"end":1604.89,"sentiment":"positive","sentiment_score":0.5657457113265991}],"sentiment":"positive","sentiment_score":0.42613827369429846,"num_words":11,"start":1598.07,"end":1604.89},{"sentences":[{"text":"I'm glad that's all up to date there for you.","start":1605.03,"end":1607.35,"sentiment":"positive","sentiment_score":0.6649307608604431},{"text":"Now the last thing I wanted to do was just to go through a quick risk profile questionnaire just to sort of gather whether you're invested correctly or not.","start":1607.35,"end":1614.165,"sentiment":"neutral","sentiment_score":0.10687089377436144},{"text":"Realistically, with your agent stage, that high growth environment still suits where you're at, but just wanting to make sure that does suit you personally as well.","start":1614.165,"end":1622.025,"sentiment":"neutral","sentiment_score":0.2883381115065681},{"text":"The first question here is basically asking you about inflation.","start":1623.2001,"end":1627.38,"sentiment":"neutral","sentiment_score":0.007205612282268703},{"text":"So how much risk do you consider yourself comfortable to take in order to get higher levels of returns?","start":1628.0801,"end":1634.5,"sentiment":"neutral","sentiment_score":-0.004180939524973694}],"sentiment":"neutral","sentiment_score":0.18448748221669933,"num_words":95,"start":1605.03,"end":1634.5},{"sentences":[{"text":"Are you comfortable taking on a higher level of risk to make sure your returns are outpacing inflation so you can see yourself comfortable taking a moderate or medium amount of risk to keep up have your returns keep up with inflation, or are you only comfortable taking a small amount of risk knowing the returns are lower because of that?","start":1634.985,"end":1653.06,"sentiment":"neutral","sentiment_score":0.008177082130654913},{"text":"How do you think you fit?","start":1653.06,"end":1654.36,"sentiment":"neutral","sentiment_score":0.021162858543296654},{"text":"The second one?","start":1662.5449,"end":1663.345,"sentiment":"neutral","sentiment_score":0.014883339715500673},{"text":"Yep.","start":1663.345,"end":1663.585,"sentiment":"neutral","sentiment_score":0.07755543291568756},{"text":"You can always go in between as well if you're comfortable wanting to do that.","start":1663.585,"end":1667.2849,"sentiment":"neutral","sentiment_score":0.06641203413407008}],"sentiment":"neutral","sentiment_score":0.02028098982910431,"num_words":86,"start":1634.985,"end":1667.2849},{"sentences":[{"text":"Yep.","start":1669.105,"end":1669.605,"sentiment":"neutral","sentiment_score":0.20497962832450867},{"text":"Beautiful.","start":1669.6649,"end":1670.1649,"sentiment":"positive","sentiment_score":0.6503396034240723},{"text":"Excellent.","start":1670.385,"end":1670.885,"sentiment":"positive","sentiment_score":0.6773884296417236},{"text":"The next one here is if you saw your super fall by 20%, how do you think you might react?","start":1671.6649,"end":1676.49,"sentiment":"neutral","sentiment_score":0.013596140686422587},{"text":"Are you more inclined to see it as an investment opportunity and put some money into the dip?","start":1676.57,"end":1681.3099,"sentiment":"neutral","sentiment_score":-0.035651282924744815}],"sentiment":"neutral","sentiment_score":0.02836359469447194,"num_words":41,"start":1669.105,"end":1681.3099},{"sentences":[{"text":"Are you likely to hold and wait and call us, or are you a bit concerned and maybe wanting to sell your investments to cash?","start":1681.53,"end":1688.01,"sentiment":"neutral","sentiment_score":-0.09411469995975494},{"text":"How do you think you might react?","start":1688.01,"end":1689.315,"sentiment":"neutral","sentiment_score":-0.04175910194005285},{"text":"How do sorry.","start":1696.595,"end":1697.735,"sentiment":"neutral","sentiment_score":-0.07927577942609787},{"text":"Does that yeah.","start":1702.19,"end":1703.15,"sentiment":"neutral","sentiment_score":0.009762394552429518},{"text":"You're right.","start":1703.15,"end":1703.63,"sentiment":"neutral","sentiment_score":0.14019323140382767}],"sentiment":"neutral","sentiment_score":-0.06433337260968983,"num_words":40,"start":1681.53,"end":1703.63},{"sentences":[{"text":"Give us a call and see what we suggest you do.","start":1703.63,"end":1705.97,"sentiment":"neutral","sentiment_score":0.08499424261125652},{"text":"Good answer.","start":1707.63,"end":1708.27,"sentiment":"positive","sentiment_score":0.38928693532943726},{"text":"That's what you have us for.","start":1708.27,"end":1709.73,"sentiment":"neutral","sentiment_score":0.28135647376378375},{"text":"And the last one here is have you ever seen your super fall in value?","start":1711.07,"end":1714.59,"sentiment":"neutral","sentiment_score":-0.023223955929279328},{"text":"If you have in the past, how do you think that makes you feel?","start":1714.59,"end":1718.265,"sentiment":"neutral","sentiment_score":-0.01788675824978522}],"sentiment":"neutral","sentiment_score":0.05839323807352533,"num_words":48,"start":1703.63,"end":1718.265},{"sentences":[{"text":"Are you optimistic about the investment opportunities?","start":1718.265,"end":1720.765,"sentiment":"neutral","sentiment_score":0.0024221715118203846},{"text":"Are you feeling cautious, concerned, or a bit anxious about the market dipping?","start":1721.3049,"end":1725.145,"sentiment":"neutral","sentiment_score":-0.14730330270070296},{"text":"How do you think you might feel?","start":1725.145,"end":1726.765,"sentiment":"neutral","sentiment_score":-0.04149827334497656},{"text":"Yeah.","start":1737.2999,"end":1737.7,"sentiment":"neutral","sentiment_score":0.064520925283432},{"text":"Absolutely.","start":1737.7,"end":1738.2,"sentiment":"neutral","sentiment_score":0.19621403515338895}],"sentiment":"neutral","sentiment_score":-0.06647381681049692,"num_words":29,"start":1718.265,"end":1738.2},{"sentences":[{"text":"Perfect.","start":1738.6599,"end":1739.1599,"sentiment":"neutral","sentiment_score":0.29418832063674927},{"text":"And then the last one is, have you ever considered borrowing for, say, investing in shares or managed funds, or would you only ever borrow property?","start":1740.74,"end":1748.855,"sentiment":"neutral","sentiment_score":0.039617037830444485},{"text":"Yep.","start":1754.6749,"end":1754.995,"sentiment":"neutral","sentiment_score":0.03988577425479889},{"text":"Are you open to invest buying just your main primary residence down the track, or are you open to having an investment down the track, or what's your sort of thoughts?","start":1754.995,"end":1763.5599,"sentiment":"neutral","sentiment_score":0.03648226588003097},{"text":"Yep.","start":1770.34,"end":1770.765,"sentiment":"neutral","sentiment_score":0.06038907915353775}],"sentiment":"neutral","sentiment_score":0.04259093999862671,"num_words":60,"start":1738.6599,"end":1770.765},{"sentences":[{"text":"Yep.","start":1770.845,"end":1771.085,"sentiment":"neutral","sentiment_score":0.1052304208278656},{"text":"That's okay.","start":1771.085,"end":1771.745,"sentiment":"neutral","sentiment_score":0.2799028307199478},{"text":"Beautiful.","start":1771.805,"end":1772.305,"sentiment":"positive","sentiment_score":0.6388401389122009},{"text":"Fantastic.","start":1772.605,"end":1773.105,"sentiment":"positive","sentiment_score":0.6422984004020691},{"text":"Now with what you scored there, you have scored as a growth investor.","start":1774.365,"end":1778.9451,"sentiment":"neutral","sentiment_score":0.30006909972200024}],"sentiment":"neutral","sentiment_score":0.3248373843315575,"num_words":18,"start":1770.845,"end":1778.9451},{"sentences":[{"text":"At the moment, we have you in more of that high growth environment, which sees about 90% of your super invested in growth assets.","start":1779.485,"end":1786.26,"sentiment":"neutral","sentiment_score":0.06692000137021144},{"text":"So think about things like Australian and international shares, listed property and commodities, and then the end of 10% in lower risk defensive investments.","start":1786.26,"end":1794.76,"sentiment":"neutral","sentiment_score":0.06138868676498532},{"text":"With where you scored at the moment would see us reduce your risk back a little bit by 10% to see 80% invested in those higher risk investments.","start":1795.3,"end":1803.375,"sentiment":"neutral","sentiment_score":0.08998130168765783},{"text":"Realistically, for your time, your stage, and your time horizon, you absolutely can be in that high growth environment longer.","start":1804.155,"end":1811.055,"sentiment":"neutral","sentiment_score":0.2065824419260025},{"text":"It's more about this understanding that that takes on a little bit more risk in the market to get greater potential returns.","start":1811.2699,"end":1817.2899,"sentiment":"neutral","sentiment_score":0.07968138242987069}],"sentiment":"neutral","sentiment_score":0.09731800181759616,"num_words":118,"start":1779.485,"end":1817.2899},{"sentences":[{"text":"Realistically, a high growth portfolio, you're wanting to try and average around about eight to 10% on a yearly basis compounding that forward.","start":1817.99,"end":1826.0099,"sentiment":"neutral","sentiment_score":0.0686999011946761},{"text":"We do know that you are expecting a negative likely the likelihood of a negative return around about one in every five years, but it does suit your time horizon.","start":1826.565,"end":1835.765,"sentiment":"neutral","sentiment_score":-0.00772344246506691},{"text":"You do have more than eight years ahead of you before accessing Super.","start":1835.765,"end":1839.145,"sentiment":"neutral","sentiment_score":0.03856636841709797},{"text":"Did you wanna stay in that high growth environment for longer, or did you wanna look at maybe reducing your risk level back there, Malcolm?","start":1839.8099,"end":1845.89,"sentiment":"neutral","sentiment_score":0.047516042292118074},{"text":"How do you feel?","start":1845.89,"end":1846.87,"sentiment":"neutral","sentiment_score":0.01942200306802988}],"sentiment":"neutral","sentiment_score":0.0327931190791883,"num_words":95,"start":1817.99,"end":1846.87},{"sentences":[{"text":"You feel comfortable?","start":1851.6499,"end":1852.5499,"sentiment":"neutral","sentiment_score":-0.18485253055890402},{"text":"Yeah.","start":1852.61,"end":1852.85,"sentiment":"neutral","sentiment_score":0.0831545740365982},{"text":"Absolutely.","start":1852.85,"end":1853.35,"sentiment":"neutral","sentiment_score":0.19067975878715515},{"text":"Not a problem at all.","start":1853.57,"end":1855.005,"sentiment":"neutral","sentiment_score":0.24506233334541322},{"text":"Well, just sort of recapping and moving forward, I'll send you an email after the call just outlining the insurance side of things for you just to give you a bit more clarity there.","start":1855.085,"end":1863.345,"sentiment":"neutral","sentiment_score":0.14117156604633613}],"sentiment":"neutral","sentiment_score":0.13055503757839854,"num_words":44,"start":1851.6499,"end":1863.345},{"sentences":[{"text":"We'll hold on.","start":1864.045,"end":1865.085,"sentiment":"neutral","sentiment_score":0.09243024637301762},{"text":"There's no new advice to sort of worry about currently, but we will sort of catch up in about six months just to kinda review that and see whether new advice is required down the track.","start":1865.085,"end":1875.0499,"sentiment":"neutral","sentiment_score":0.05249590985476971},{"text":"We'll sort of watch your soup soup.","start":1875.0499,"end":1877.0499,"sentiment":"neutral","sentiment_score":0.09596727256264005},{"text":"And now that we've made that switch of the investments for you as well, does that sound okay?","start":1877.0499,"end":1881.69,"sentiment":"neutral","sentiment_score":0.15424898432360756},{"text":"Are you comfortable with that?","start":1881.69,"end":1882.8899,"sentiment":"neutral","sentiment_score":0.09723938703536987}],"sentiment":"neutral","sentiment_score":0.0884288848526236,"num_words":69,"start":1864.045,"end":1882.8899},{"sentences":[{"text":"Did did I miss anything?","start":1882.8899,"end":1884.1699,"sentiment":"neutral","sentiment_score":0.04591943323612213},{"text":"Is there anything else that you maybe wanted to ask me while you do have me here?","start":1884.1699,"end":1888.035,"sentiment":"neutral","sentiment_score":0.06239211931824684},{"text":"Oh, fantastic.","start":1891.9349,"end":1892.995,"sentiment":"positive","sentiment_score":0.6019572019577026},{"text":"Thank you so much.","start":1893.0549,"end":1893.855,"sentiment":"positive","sentiment_score":0.6421615481376648},{"text":"So when you get an opportunity, if you can sign that annual review pack and grab that back to me, that'd be fabulous.","start":1893.855,"end":1898.815,"sentiment":"positive","sentiment_score":0.43126313323559967}],"sentiment":"neutral","sentiment_score":0.2937622716759934,"num_words":51,"start":1882.8899,"end":1898.815},{"sentences":[{"text":"It allows us to continue working as your adviser.","start":1898.815,"end":1901.45,"sentiment":"positive","sentiment_score":0.542304641670651},{"text":"I'll put something in my calendar to touch base.","start":1901.9099,"end":1904.07,"sentiment":"neutral","sentiment_score":0.3291708032290141},{"text":"And once you get that email, if you do have additional questions around the insurances, please let me know.","start":1904.07,"end":1909.11,"sentiment":"neutral","sentiment_score":0.1815385791031938},{"text":"I can make more time to sort of touch base and and answer those additional questions for you as well.","start":1909.11,"end":1914.63,"sentiment":"neutral","sentiment_score":0.2840141475200653},{"text":"Okay?","start":1914.63,"end":1915.13,"sentiment":"neutral","sentiment_score":0.13878725469112396}],"sentiment":"neutral","sentiment_score":0.29502727951982927,"num_words":58,"start":1898.815,"end":1915.13},{"sentences":[{"text":"Thank you so much for your time.","start":1917.255,"end":1918.615,"sentiment":"positive","sentiment_score":0.8096053600311279},{"text":"I hope you have a lovely afternoon.","start":1918.615,"end":1920.555,"sentiment":"positive","sentiment_score":0.8036814332008362},{"text":"My pleasure.","start":1923.255,"end":1924.055,"sentiment":"positive","sentiment_score":0.7804112434387207},{"text":"Enjoy your day, Malcolm.","start":1924.055,"end":1925.3351,"sentiment":"positive","sentiment_score":0.7946034669876099},{"text":"Thank you for taking my call.","start":1925.3351,"end":1927.015,"sentiment":"positive","sentiment_score":0.7819198866685232}],"sentiment":"positive","sentiment_score":0.7970678164408758,"num_words":26,"start":1917.255,"end":1927.015},{"sentences":[{"text":"See you later.","start":1927.015,"end":1927.915,"sentiment":"positive","sentiment_score":0.515124499797821},{"text":"Thanks.","start":1929.255,"end":1929.755,"sentiment":"neutral","sentiment_score":-0.1194065287709236}],"sentiment":"positive","sentiment_score":0.3564917426556349,"num_words":4,"start":1927.015,"end":1929.755}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Hold. Yep. No. No. No. All good. Yep. Three days. Malcolm Davis. 6 o'clock nineteen ninety. 43 Kelly Andrew Lane, Farfetch. Yep. Give me a sec. Pretty quiet. I said work, but, yeah, it's been pretty quiet. Yeah. Yeah. Okay. Yeah. I'll I'll I'll I'll open it up. Mhmm. Yep. Yes. Yep. You said the first price or oh, yes. I can. Yep. Probably did, but, yeah, I'm Henry. Alright. It just sounds good to me. Yep. That's fine. Okay. Yep. No. It's such a that's okay. Yep. Yeah. I think well, I think for now, I'm gonna be okay. Yeah. Yes. Yes. No. She doesn't know where. Yep. Yeah. I'll I'll just leave it for now and then maybe okay. We'll get it with my wife. Yep. That sounds good. No. Mhmm. Yeah. I'm not. Yeah. But lock service. Load service annually. Yeah. Pretty much for quite a bit. Bank it all up is the one. Yep. Okay. They're all adults. Now they're 20 seven 27, 26, 25, 24, and 22. I'm not yet. I'm not sure. Hold on. Yep. Not. Yes. Yes. We are, actually. Yeah. I think it's about 7%, I think. Yeah. Not too bad. We we've been trying to save so we can buy a you know, try and buy a house. But yeah. It's sort of just whatever we have available. Not not not not not much at the moment, but yes. So we're coming to a bit of a snag at the moment because or the house that we're living in, the the people wanna sell up after bloody fourteen years within that house. Yeah. Yeah. Yes. We sort of had we sort of found a few houses, you know, but you kinda just gotta take what what comes, I suppose, until, you know, just yeah. Yeah. I think so. Yep. Yep. Yep. Yeah. Not a great lot, but I had about 10,000 the last time we hit. But we hit two years, sir. Yeah. Probably, like, maybe, like, 100 a week, sort of. Yeah. Yeah. No. It's yeah. That's right. Not really sure at the moment. Yeah. I think when I'll know when my body tells me to. Yeah. Yep. I'm not probably still leaving about that. $7.50 a week. Okay. Yep. Yep. No. No. No. Not yet. Yeah. Yep. Yes. Yep. May I probably see the second? Yeah. Probably just like The second one, what you see. Yep. Yeah. Probably, say, seek an answer again, maybe. Property. Hello. Maybe investment. No. I don't feel comfortable. No. Sure. It sounds pretty pretty good to me. Yes. Okay. You too. Thank you. Thank you. Bye bye.","confidence":0.9160156,"words":[{"word":"hello","start":1.28,"end":1.78,"confidence":0.8232422,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.0486418679356575},{"word":"yeah","start":13.36,"end":13.5199995,"confidence":0.5953369,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1076829433441162},{"word":"hold","start":13.5199995,"end":13.84,"confidence":0.6278076,"punctuated_word":"Hold.","sentiment":"neutral","sentiment_score":0.08206067979335785},{"word":"yep","start":13.84,"end":14.34,"confidence":0.98706055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0714469850063324},{"word":"no","start":20.835,"end":21.154999,"confidence":0.8041992,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09732759743928908},{"word":"no","start":21.154999,"end":21.235,"confidence":0.9926758,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10292809456586838},{"word":"no","start":21.235,"end":21.475,"confidence":0.98291016,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08475543558597565},{"word":"all","start":21.475,"end":21.715,"confidence":0.93603516,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.024418562650680545},{"word":"good","start":21.715,"end":22.215,"confidence":0.99658203,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.061280231922864914},{"word":"yep","start":31.04,"end":31.52,"confidence":0.8269043,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1371287852525711},{"word":"three","start":31.52,"end":31.76,"confidence":0.35498047,"punctuated_word":"Three","sentiment":"neutral","sentiment_score":0.1422668844461441},{"word":"days","start":31.76,"end":32.260002,"confidence":0.92456055,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":0.22188800573349},{"word":"malcolm","start":40.684998,"end":41.164997,"confidence":0.7753906,"punctuated_word":"Malcolm","sentiment":"neutral","sentiment_score":0.04475514963269234},{"word":"davis","start":41.164997,"end":41.664997,"confidence":0.9440918,"punctuated_word":"Davis.","sentiment":"neutral","sentiment_score":0.027557717636227608},{"word":"6","start":42.285,"end":42.524998,"confidence":0.91748047,"punctuated_word":"6","sentiment":"neutral","sentiment_score":0.02438865229487419},{"word":"o'clock","start":42.524998,"end":42.925,"confidence":0.9085286,"punctuated_word":"o'clock","sentiment":"neutral","sentiment_score":0.03903861343860626},{"word":"nineteen","start":42.925,"end":43.405,"confidence":0.8613281,"punctuated_word":"nineteen","sentiment":"neutral","sentiment_score":0.054954782128334045},{"word":"ninety","start":43.405,"end":43.905,"confidence":0.539917,"punctuated_word":"ninety.","sentiment":"neutral","sentiment_score":0.06274619698524475},{"word":"43","start":45.004997,"end":45.725,"confidence":0.9147949,"punctuated_word":"43","sentiment":"neutral","sentiment_score":0.023600060492753983},{"word":"kelly","start":45.725,"end":45.964996,"confidence":0.75390625,"punctuated_word":"Kelly","sentiment":"neutral","sentiment_score":0.028152737766504288},{"word":"andrew","start":45.964996,"end":46.204998,"confidence":0.43237305,"punctuated_word":"Andrew","sentiment":"neutral","sentiment_score":0.039447009563446045},{"word":"lane","start":46.204998,"end":46.524998,"confidence":0.46783447,"punctuated_word":"Lane,","sentiment":"neutral","sentiment_score":0.03232283890247345},{"word":"farfetch","start":46.524998,"end":47.024998,"confidence":0.40600586,"punctuated_word":"Farfetch.","sentiment":"neutral","sentiment_score":0.05781213939189911},{"word":"yep","start":60.760002,"end":61.260002,"confidence":0.8444824,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0457054004073143},{"word":"give","start":61.72,"end":61.88,"confidence":0.9716797,"punctuated_word":"Give","sentiment":"neutral","sentiment_score":0.0307408906519413},{"word":"me","start":61.88,"end":62.04,"confidence":0.99609375,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03766550123691559},{"word":"a","start":62.04,"end":62.2,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02925397828221321},{"word":"sec","start":62.2,"end":62.7,"confidence":0.99902344,"punctuated_word":"sec.","sentiment":"neutral","sentiment_score":0.03525097668170929},{"word":"pretty","start":72.315,"end":72.555,"confidence":0.73095703,"punctuated_word":"Pretty","sentiment":"neutral","sentiment_score":0.06590807437896729},{"word":"quiet","start":72.555,"end":73.055,"confidence":0.8432617,"punctuated_word":"quiet.","sentiment":"neutral","sentiment_score":0.04534142464399338},{"word":"i","start":73.275,"end":73.435,"confidence":0.28808594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02585408091545105},{"word":"said","start":73.435,"end":73.675,"confidence":0.5419922,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.008387740701436996},{"word":"work","start":73.675,"end":73.915,"confidence":0.6245117,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.0022105369716882706},{"word":"but","start":73.915,"end":74.155,"confidence":0.8161621,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.007153628394007683},{"word":"yeah","start":74.155,"end":74.315,"confidence":0.9470215,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.02387775108218193},{"word":"it's","start":74.315,"end":74.475,"confidence":0.9921875,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.013888913206756117},{"word":"been","start":74.475,"end":74.635,"confidence":0.95703125,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.016368098556995392},{"word":"pretty","start":74.635,"end":74.955,"confidence":0.9970703,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.004574820399284363},{"word":"quiet","start":74.955,"end":75.455,"confidence":0.99316406,"punctuated_word":"quiet.","sentiment":"neutral","sentiment_score":0.033872976899147034},{"word":"yeah","start":79.915,"end":80.235,"confidence":0.9897461,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07277284562587738},{"word":"yeah","start":80.235,"end":80.735,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07902881503105164},{"word":"okay","start":83.98,"end":84.48,"confidence":0.99560547,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10797902941703796},{"word":"yeah","start":105.795,"end":106.295,"confidence":0.87231445,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10236521065235138},{"word":"i'll","start":106.355,"end":106.755005,"confidence":0.81274414,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11274667084217072},{"word":"i'll","start":106.755005,"end":107.075005,"confidence":0.9909668,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0982702374458313},{"word":"i'll","start":107.075005,"end":107.235,"confidence":0.986084,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10742631554603577},{"word":"i'll","start":107.235,"end":107.315,"confidence":0.7841797,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11166518181562424},{"word":"open","start":107.315,"end":107.635,"confidence":0.3894043,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.11116611957550047},{"word":"it","start":107.635,"end":107.715004,"confidence":0.7470703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13961918652057648},{"word":"up","start":107.715004,"end":107.97,"confidence":0.9855957,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.1181364804506302},{"word":"mhmm","start":116.53,"end":117.03,"confidence":0.9802246,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.017479686066508293},{"word":"yep","start":123.525,"end":124.025,"confidence":0.8366699,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.31343895196914673},{"word":"yes","start":152.625,"end":153.125,"confidence":0.94018555,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.21017107367515564},{"word":"yep","start":169.31999,"end":169.81999,"confidence":0.9812012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13169118762016296},{"word":"you","start":234.585,"end":234.82501,"confidence":0.3190918,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.0001100664958357811},{"word":"said","start":234.82501,"end":234.985,"confidence":0.8540039,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.0029090859461575747},{"word":"the","start":234.985,"end":235.065,"confidence":0.9482422,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0024184524081647396},{"word":"first","start":235.065,"end":235.46501,"confidence":0.95947266,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.0028872417751699686},{"word":"price","start":235.46501,"end":235.865,"confidence":0.57421875,"punctuated_word":"price","sentiment":"neutral","sentiment_score":0.0028465865179896355},{"word":"or","start":235.865,"end":236.365,"confidence":0.5263672,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0021307135466486216},{"word":"oh","start":246.02501,"end":246.52501,"confidence":0.64208984,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.1544792652130127},{"word":"yes","start":246.985,"end":247.30501,"confidence":0.78808594,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.13484758138656616},{"word":"i","start":247.30501,"end":247.46501,"confidence":0.31982422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12776093184947968},{"word":"can","start":247.46501,"end":247.96501,"confidence":0.82666016,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.11481619626283646},{"word":"yep","start":263.665,"end":264.165,"confidence":0.86816406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10228043794631958},{"word":"probably","start":290.1,"end":290.58002,"confidence":0.8691406,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.016957733780145645},{"word":"did","start":290.58002,"end":290.82,"confidence":0.5834961,"punctuated_word":"did,","sentiment":"neutral","sentiment_score":-0.02789686806499958},{"word":"but","start":290.82,"end":291.225,"confidence":0.7915039,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.013161644339561462},{"word":"yeah","start":291.385,"end":291.885,"confidence":0.82055664,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.01566661149263382},{"word":"i'm","start":292.585,"end":292.905,"confidence":0.7261963,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.022203899919986725},{"word":"henry","start":292.905,"end":293.405,"confidence":0.44506836,"punctuated_word":"Henry.","sentiment":"neutral","sentiment_score":0.021636709570884705},{"word":"alright","start":401.10498,"end":401.425,"confidence":0.5827637,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.08053997159004211},{"word":"it","start":401.425,"end":401.585,"confidence":0.8154297,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.07481541484594345},{"word":"just","start":401.585,"end":401.82498,"confidence":0.92333984,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07122355699539185},{"word":"sounds","start":401.82498,"end":402.145,"confidence":0.94140625,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.0785263180732727},{"word":"good","start":402.145,"end":402.305,"confidence":0.9980469,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.09618249535560608},{"word":"to","start":402.305,"end":402.465,"confidence":0.671875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07097997516393661},{"word":"me","start":402.465,"end":402.965,"confidence":1.0,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.05597497895359993},{"word":"yep","start":426.265,"end":426.505,"confidence":0.98535156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.067901611328125},{"word":"that's","start":426.505,"end":426.905,"confidence":0.93115234,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10354452580213548},{"word":"fine","start":426.905,"end":427.405,"confidence":0.9980469,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1178017035126686},{"word":"okay","start":444.28,"end":444.78,"confidence":0.79418945,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07437571883201599},{"word":"yep","start":486.785,"end":487.285,"confidence":0.88427734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0959922894835472},{"word":"no","start":494.63998,"end":494.96,"confidence":0.93603516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1658635437488556},{"word":"it's","start":494.96,"end":495.36,"confidence":0.8496094,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.012102964334189892},{"word":"such","start":495.36,"end":495.44,"confidence":0.28027344,"punctuated_word":"such","sentiment":"neutral","sentiment_score":-0.04956725239753723},{"word":"a","start":495.44,"end":495.52,"confidence":0.4753418,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01042615994811058},{"word":"that's","start":496.0,"end":496.24,"confidence":0.6520996,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04604920744895935},{"word":"okay","start":496.24,"end":496.74,"confidence":0.98828125,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.0032525286078453064},{"word":"yep","start":593.885,"end":594.385,"confidence":0.73742676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.07687162607908249},{"word":"yeah","start":639.64496,"end":640.14496,"confidence":0.8977051,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2429041713476181},{"word":"i","start":640.20496,"end":640.445,"confidence":0.9326172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2692751884460449},{"word":"think","start":640.445,"end":640.685,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.2580850124359131},{"word":"well","start":640.76495,"end":641.165,"confidence":0.9692383,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2613818049430847},{"word":"i","start":641.165,"end":641.245,"confidence":0.80908203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2725068926811218},{"word":"think","start":641.245,"end":641.485,"confidence":0.9838867,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.29693716764450073},{"word":"for","start":641.485,"end":641.64496,"confidence":0.6694336,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.27348580956459045},{"word":"now","start":641.64496,"end":641.76495,"confidence":0.68395996,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.2587753236293793},{"word":"i'm","start":641.76495,"end":641.88495,"confidence":0.72924805,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.37832316756248474},{"word":"gonna","start":641.88495,"end":642.20496,"confidence":0.40307617,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.4196168780326843},{"word":"be","start":642.20496,"end":642.445,"confidence":0.9863281,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.37405580282211304},{"word":"okay","start":642.445,"end":642.945,"confidence":0.7507324,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2925229072570801},{"word":"yeah","start":643.005,"end":643.505,"confidence":0.6616211,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05698782950639725},{"word":"yes","start":669.27,"end":669.735,"confidence":0.82592773,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11620688438415527},{"word":"yes","start":674.855,"end":675.355,"confidence":0.9892578,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11265737563371658},{"word":"no","start":695.4,"end":695.64,"confidence":0.8798828,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11728140711784364},{"word":"she","start":695.64,"end":695.80005,"confidence":0.9013672,"punctuated_word":"She","sentiment":"neutral","sentiment_score":-0.11258073896169662},{"word":"doesn't","start":695.80005,"end":696.04004,"confidence":0.9538574,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.10938350856304167},{"word":"know","start":696.04004,"end":696.2,"confidence":0.48583984,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.12143731117248537},{"word":"where","start":696.2,"end":696.7,"confidence":0.6248779,"punctuated_word":"where.","sentiment":"neutral","sentiment_score":-0.1731923222541809},{"word":"yep","start":750.44995,"end":750.94995,"confidence":0.8679199,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07788543403148651},{"word":"yeah","start":760.66504,"end":761.065,"confidence":0.97802734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14866533875465393},{"word":"i'll","start":761.065,"end":761.30505,"confidence":0.9692383,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10522910952568054},{"word":"i'll","start":761.30505,"end":761.465,"confidence":0.9663086,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07864263653755188},{"word":"just","start":761.465,"end":761.705,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07264336943626404},{"word":"leave","start":761.705,"end":761.945,"confidence":0.9838867,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.07240775972604752},{"word":"it","start":761.945,"end":762.10504,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07621100544929504},{"word":"for","start":762.10504,"end":762.265,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.058770552277565},{"word":"now","start":762.265,"end":762.585,"confidence":0.9980469,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.08144067227840424},{"word":"and","start":762.585,"end":762.66504,"confidence":0.38549805,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06892171502113342},{"word":"then","start":762.66504,"end":763.16504,"confidence":0.9614258,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07007129490375519},{"word":"maybe","start":763.465,"end":763.965,"confidence":0.17602539,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.0857435017824173},{"word":"okay","start":765.0,"end":765.07996,"confidence":0.7495117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2731856405735016},{"word":"we'll","start":765.07996,"end":765.24,"confidence":0.5795288,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.25755417346954346},{"word":"get","start":765.24,"end":765.56,"confidence":0.40795898,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.23735632002353668},{"word":"it","start":765.56,"end":765.63995,"confidence":0.67041016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20331700146198273},{"word":"with","start":765.63995,"end":765.8,"confidence":0.9667969,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22593116760253903},{"word":"my","start":765.8,"end":765.88,"confidence":0.9580078,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.22388911247253415},{"word":"wife","start":765.88,"end":766.38,"confidence":0.8100586,"punctuated_word":"wife.","sentiment":"neutral","sentiment_score":0.22289705276489255},{"word":"yep","start":799.26,"end":799.5,"confidence":0.970459,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1703614443540573},{"word":"that","start":799.5,"end":799.74,"confidence":0.9741211,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.4420735836029053},{"word":"sounds","start":799.74,"end":800.06,"confidence":0.93847656,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.5806566476821899},{"word":"good","start":800.06,"end":800.56,"confidence":0.8269043,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4841800332069397},{"word":"no","start":822.45,"end":822.95,"confidence":0.9313965,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.098475344479084},{"word":"mhmm","start":837.34503,"end":837.84503,"confidence":0.85650635,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0032634735107421875},{"word":"yeah","start":843.98505,"end":844.48505,"confidence":0.9248047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10676625370979308},{"word":"i'm","start":860.325,"end":860.825,"confidence":0.77905273,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.054889172315597534},{"word":"not","start":867.77246,"end":868.27246,"confidence":0.68188477,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.15166646242141724},{"word":"yeah","start":876.33997,"end":876.66,"confidence":0.9499512,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015558436512947084},{"word":"but","start":876.66,"end":877.16,"confidence":0.5517578,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.017124537378549576},{"word":"lock","start":877.45996,"end":877.69995,"confidence":0.30200195,"punctuated_word":"lock","sentiment":"neutral","sentiment_score":-0.012280764058232307},{"word":"service","start":877.69995,"end":878.19995,"confidence":0.83496094,"punctuated_word":"service.","sentiment":"neutral","sentiment_score":-0.012285787612199783},{"word":"load","start":880.57996,"end":880.81995,"confidence":0.103881836,"punctuated_word":"Load","sentiment":"neutral","sentiment_score":-0.006210195831954479},{"word":"service","start":880.81995,"end":881.3,"confidence":0.9951172,"punctuated_word":"service","sentiment":"neutral","sentiment_score":-0.013444874435663223},{"word":"annually","start":881.3,"end":881.8,"confidence":0.48535156,"punctuated_word":"annually.","sentiment":"neutral","sentiment_score":-0.006592019461095333},{"word":"yeah","start":882.18,"end":882.5,"confidence":0.95043945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005595074966549873},{"word":"pretty","start":882.5,"end":882.74,"confidence":0.7363281,"punctuated_word":"Pretty","sentiment":"neutral","sentiment_score":-0.0028826091438531876},{"word":"much","start":882.74,"end":883.06,"confidence":0.95166016,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.016329366713762283},{"word":"for","start":883.06,"end":883.56,"confidence":0.20397949,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.008778329938650131},{"word":"quite","start":883.86,"end":884.1,"confidence":0.71240234,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.015066828578710556},{"word":"a","start":884.1,"end":884.25995,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.011327630840241907},{"word":"bit","start":884.25995,"end":884.75995,"confidence":0.9980469,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.011901214718818665},{"word":"bank","start":891.275,"end":891.595,"confidence":0.7348633,"punctuated_word":"Bank","sentiment":"positive","sentiment_score":0.4070657193660736},{"word":"it","start":891.595,"end":891.675,"confidence":0.84716797,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3754771947860718},{"word":"all","start":891.675,"end":891.915,"confidence":0.9892578,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4765038788318634},{"word":"up","start":891.915,"end":892.15497,"confidence":0.9970703,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4585752785205841},{"word":"is","start":892.15497,"end":892.315,"confidence":0.4753418,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.38363876938819885},{"word":"the","start":892.315,"end":892.395,"confidence":0.9375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35927867889404297},{"word":"one","start":892.395,"end":892.895,"confidence":0.9160156,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.3246881067752838},{"word":"yep","start":902.71497,"end":903.21497,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26147717237472534},{"word":"okay","start":911.08,"end":911.58,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.18898838758468628},{"word":"they're","start":946.405,"end":946.645,"confidence":0.51013184,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.011340521275997162},{"word":"all","start":946.645,"end":946.805,"confidence":0.9536133,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.003620188683271408},{"word":"adults","start":946.805,"end":947.305,"confidence":0.68725586,"punctuated_word":"adults.","sentiment":"neutral","sentiment_score":-0.011219139210879804},{"word":"now","start":947.365,"end":947.525,"confidence":0.24707031,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.00814685970544815},{"word":"they're","start":947.525,"end":948.025,"confidence":0.6998291,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.0016366759082302451},{"word":"20","start":948.565,"end":948.965,"confidence":0.9873047,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.006855083629488945},{"word":"seven","start":948.965,"end":949.465,"confidence":0.94921875,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.001912754029035568},{"word":"27","start":950.885,"end":951.605,"confidence":0.8453369,"punctuated_word":"27,","sentiment":"neutral","sentiment_score":0.006313667632639408},{"word":"26","start":951.605,"end":952.505,"confidence":0.99780273,"punctuated_word":"26,","sentiment":"neutral","sentiment_score":0.00872646551579237},{"word":"25","start":953.28503,"end":954.185,"confidence":0.9953613,"punctuated_word":"25,","sentiment":"neutral","sentiment_score":0.00996860396116972},{"word":"24","start":954.245,"end":954.885,"confidence":0.9680176,"punctuated_word":"24,","sentiment":"neutral","sentiment_score":0.01025720965117216},{"word":"and","start":954.885,"end":955.125,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0031238291412591934},{"word":"22","start":955.125,"end":956.105,"confidence":0.9713135,"punctuated_word":"22.","sentiment":"neutral","sentiment_score":0.0042951712384819984},{"word":"i'm","start":974.125,"end":974.205,"confidence":0.7651367,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10016024112701416},{"word":"not","start":974.205,"end":974.445,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10285689681768416},{"word":"yet","start":974.445,"end":974.925,"confidence":0.8679199,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.13108928501605988},{"word":"i'm","start":974.925,"end":975.165,"confidence":0.9472656,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.15053457021713257},{"word":"not","start":975.165,"end":975.325,"confidence":0.90478516,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13245616853237152},{"word":"sure","start":975.325,"end":975.565,"confidence":0.57873535,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.13496887683868408},{"word":"hold","start":975.565,"end":975.725,"confidence":0.9003906,"punctuated_word":"Hold","sentiment":"neutral","sentiment_score":-0.07211820781230927},{"word":"on","start":975.725,"end":976.225,"confidence":0.93530273,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.04437733441591263},{"word":"yep","start":1038.055,"end":1038.555,"confidence":0.95703125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16114471852779388},{"word":"not","start":1108.495,"end":1108.995,"confidence":0.515625,"punctuated_word":"Not.","sentiment":"neutral","sentiment_score":-0.1500636637210846},{"word":"yes","start":1124.34,"end":1124.84,"confidence":0.8671875,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05131351575255394},{"word":"yes","start":1130.18,"end":1130.5,"confidence":0.62438965,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15425120294094086},{"word":"we","start":1130.5,"end":1130.66,"confidence":0.62646484,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.2547755539417267},{"word":"are","start":1130.66,"end":1130.9,"confidence":0.8293457,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.22674249112606049},{"word":"actually","start":1130.9,"end":1131.4,"confidence":0.9667969,"punctuated_word":"actually.","sentiment":"neutral","sentiment_score":0.292289674282074},{"word":"yeah","start":1136.125,"end":1136.605,"confidence":0.9855957,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15589356422424316},{"word":"i","start":1136.605,"end":1136.845,"confidence":0.5,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11478275805711746},{"word":"think","start":1136.845,"end":1137.245,"confidence":0.9550781,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.11137469112873076},{"word":"it's","start":1137.245,"end":1137.405,"confidence":0.96606445,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.11257245391607285},{"word":"about","start":1137.405,"end":1137.805,"confidence":0.54345703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11355069279670715},{"word":"7%","start":1137.805,"end":1138.525,"confidence":0.92749023,"punctuated_word":"7%,","sentiment":"neutral","sentiment_score":0.15412865579128265},{"word":"i","start":1138.525,"end":1138.685,"confidence":0.91503906,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1484977751970291},{"word":"think","start":1138.685,"end":1139.185,"confidence":0.97802734,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.161632239818573},{"word":"yeah","start":1155.98,"end":1156.4601,"confidence":0.9785156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03102332539856434},{"word":"not","start":1156.4601,"end":1156.78,"confidence":0.9560547,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.06803691387176514},{"word":"too","start":1156.78,"end":1157.1,"confidence":0.99316406,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.0031127259135246277},{"word":"bad","start":1157.1,"end":1157.42,"confidence":0.99365234,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":0.03633484989404678},{"word":"we","start":1157.42,"end":1157.92,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0019378997385501864},{"word":"we've","start":1158.3,"end":1158.62,"confidence":0.99609375,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.024067219346761703},{"word":"been","start":1158.62,"end":1158.86,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.001537129282951355},{"word":"trying","start":1158.86,"end":1159.1,"confidence":0.9980469,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.014792345464229584},{"word":"to","start":1159.1,"end":1159.3401,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.024182330816984177},{"word":"save","start":1159.3401,"end":1159.8201,"confidence":0.9902344,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.028561599552631375},{"word":"so","start":1159.8201,"end":1159.98,"confidence":0.91845703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.022709175944328308},{"word":"we","start":1159.98,"end":1160.14,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03868963569402695},{"word":"can","start":1160.14,"end":1160.64,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04327017068862915},{"word":"buy","start":1162.6349,"end":1162.835,"confidence":0.99316406,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.03591315820813179},{"word":"a","start":1162.835,"end":1163.0349,"confidence":0.37402344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03304252773523331},{"word":"you","start":1163.195,"end":1163.355,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005398940294981003},{"word":"know","start":1163.355,"end":1163.595,"confidence":0.98657227,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.016470039263367653},{"word":"try","start":1163.595,"end":1163.835,"confidence":0.99121094,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.025681275874376297},{"word":"and","start":1163.835,"end":1163.9149,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04425489902496338},{"word":"buy","start":1163.9149,"end":1164.1549,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.026388727128505707},{"word":"a","start":1164.1549,"end":1164.315,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04993792250752449},{"word":"house","start":1164.315,"end":1164.5549,"confidence":0.86572266,"punctuated_word":"house.","sentiment":"neutral","sentiment_score":0.0498150922358036},{"word":"but","start":1164.5549,"end":1165.0549,"confidence":0.83447266,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.11278951913118362},{"word":"yeah","start":1175.835,"end":1176.075,"confidence":0.95336914,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0057528214529156685},{"word":"it's","start":1176.075,"end":1176.315,"confidence":0.74438477,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.011179665103554726},{"word":"sort","start":1176.315,"end":1176.475,"confidence":0.88134766,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.002766478806734085},{"word":"of","start":1176.475,"end":1176.6349,"confidence":0.8051758,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0018316209316253664},{"word":"just","start":1176.6349,"end":1176.7949,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.005421862006187439},{"word":"whatever","start":1176.7949,"end":1177.17,"confidence":0.96435547,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.00036656856536865234},{"word":"we","start":1177.17,"end":1177.41,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.011777345091104507},{"word":"have","start":1177.41,"end":1177.65,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.008143942803144455},{"word":"available","start":1177.65,"end":1178.15,"confidence":0.9970703,"punctuated_word":"available.","sentiment":"neutral","sentiment_score":0.014737147837877274},{"word":"not","start":1184.2101,"end":1184.61,"confidence":0.77246094,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.09043703973293304},{"word":"not","start":1184.61,"end":1184.93,"confidence":0.9614258,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10692083835601808},{"word":"not","start":1184.93,"end":1185.0901,"confidence":0.99316406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1017976850271225},{"word":"not","start":1185.0901,"end":1185.41,"confidence":0.99316406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10031437128782272},{"word":"not","start":1185.41,"end":1185.7301,"confidence":0.94140625,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1134846657514572},{"word":"much","start":1185.7301,"end":1186.13,"confidence":0.921875,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.11048778891563416},{"word":"at","start":1186.13,"end":1186.29,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14743083715438843},{"word":"the","start":1186.29,"end":1186.4501,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09559716284275056},{"word":"moment","start":1186.4501,"end":1186.77,"confidence":0.88012695,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.0712134912610054},{"word":"but","start":1186.77,"end":1187.0901,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05261341109871864},{"word":"yes","start":1187.17,"end":1187.67,"confidence":0.96533203,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":-0.029602212831377983},{"word":"so","start":1188.53,"end":1188.6901,"confidence":0.32617188,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08502542972564697},{"word":"we're","start":1188.6901,"end":1189.0901,"confidence":0.7331543,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.10776766389608385},{"word":"coming","start":1189.0901,"end":1189.41,"confidence":0.77001953,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.1363562047481537},{"word":"to","start":1189.41,"end":1189.5701,"confidence":0.59814453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10413329303264618},{"word":"a","start":1189.5701,"end":1189.65,"confidence":0.9267578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11029191315174104},{"word":"bit","start":1189.65,"end":1189.89,"confidence":0.98291016,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1105547770857811},{"word":"of","start":1189.89,"end":1190.0024,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1261063665151596},{"word":"a","start":1190.0024,"end":1190.115,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12896230816841123},{"word":"snag","start":1190.275,"end":1190.515,"confidence":0.99316406,"punctuated_word":"snag","sentiment":"neutral","sentiment_score":-0.13469326496124268},{"word":"at","start":1190.515,"end":1190.595,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.17428094148635864},{"word":"the","start":1190.595,"end":1190.755,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14670179784297943},{"word":"moment","start":1190.755,"end":1191.075,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.12646484375},{"word":"because","start":1191.075,"end":1191.575,"confidence":0.80322266,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.11839567869901656},{"word":"or","start":1191.795,"end":1192.035,"confidence":0.6333008,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.10891491174697876},{"word":"the","start":1192.035,"end":1192.195,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16531316936016083},{"word":"house","start":1192.195,"end":1192.4349,"confidence":0.9941406,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.16223526000976562},{"word":"that","start":1192.4349,"end":1192.595,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13042262196540833},{"word":"we're","start":1192.595,"end":1192.755,"confidence":0.99609375,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.131638303399086},{"word":"living","start":1192.755,"end":1193.075,"confidence":0.99902344,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.13060688972473145},{"word":"in","start":1193.075,"end":1193.575,"confidence":0.9326172,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.1302870810031891},{"word":"the","start":1195.475,"end":1195.635,"confidence":0.94384766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12435318529605864},{"word":"the","start":1195.635,"end":1195.715,"confidence":0.94628906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1159188151359558},{"word":"people","start":1195.715,"end":1196.035,"confidence":0.9970703,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.13738180696964264},{"word":"wanna","start":1196.035,"end":1196.355,"confidence":0.93115234,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.137283593416214},{"word":"sell","start":1196.355,"end":1196.595,"confidence":0.98095703,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.1529819667339325},{"word":"up","start":1196.595,"end":1197.095,"confidence":0.9316406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.15536800026893616},{"word":"after","start":1197.235,"end":1197.475,"confidence":0.8774414,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.16843757033348083},{"word":"bloody","start":1197.475,"end":1197.795,"confidence":0.90283203,"punctuated_word":"bloody","sentiment":"neutral","sentiment_score":-0.1632699966430664},{"word":"fourteen","start":1197.795,"end":1198.275,"confidence":0.98828125,"punctuated_word":"fourteen","sentiment":"neutral","sentiment_score":-0.16113421320915222},{"word":"years","start":1198.275,"end":1198.595,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.12575894594192505},{"word":"within","start":1198.595,"end":1198.915,"confidence":0.5410156,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.12302140146493912},{"word":"that","start":1198.915,"end":1199.075,"confidence":0.90234375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12522491812705994},{"word":"house","start":1199.075,"end":1199.575,"confidence":0.98706055,"punctuated_word":"house.","sentiment":"neutral","sentiment_score":-0.1167166233062744},{"word":"yeah","start":1204.755,"end":1205.255,"confidence":0.7927246,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04789251461625099},{"word":"yeah","start":1205.315,"end":1205.815,"confidence":0.77197266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03951116651296616},{"word":"yes","start":1218.73,"end":1219.23,"confidence":0.97631836,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.003615833818912506},{"word":"we","start":1219.61,"end":1219.85,"confidence":0.83935547,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.040050361305475235},{"word":"sort","start":1219.85,"end":1220.09,"confidence":0.7529297,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.028483208268880844},{"word":"of","start":1220.09,"end":1220.325,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.021705877035856247},{"word":"had","start":1220.325,"end":1220.485,"confidence":0.41796875,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.027443472295999527},{"word":"we","start":1220.565,"end":1221.065,"confidence":0.96240234,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02247285097837448},{"word":"sort","start":1221.2849,"end":1221.365,"confidence":0.5917969,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.023037441074848175},{"word":"of","start":1221.365,"end":1221.605,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.018453937023878098},{"word":"found","start":1221.605,"end":1222.005,"confidence":0.5234375,"punctuated_word":"found","sentiment":"neutral","sentiment_score":-0.01848968118429184},{"word":"a","start":1222.005,"end":1222.085,"confidence":0.9614258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015101362019777298},{"word":"few","start":1222.085,"end":1222.585,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.01974697783589363},{"word":"houses","start":1223.205,"end":1223.705,"confidence":0.9116211,"punctuated_word":"houses,","sentiment":"neutral","sentiment_score":-0.010944578796625136},{"word":"you","start":1223.7649,"end":1223.9249,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.021792549639940265},{"word":"know","start":1223.9249,"end":1224.1649,"confidence":0.94311523,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.021553995087742805},{"word":"but","start":1224.1649,"end":1224.6649,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0114373117685318},{"word":"you","start":1225.605,"end":1225.845,"confidence":0.76953125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.035996198654174805},{"word":"kinda","start":1225.845,"end":1226.1649,"confidence":0.84814453,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.02753979153931141},{"word":"just","start":1226.1649,"end":1226.325,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02653445675969124},{"word":"gotta","start":1226.325,"end":1226.6449,"confidence":0.45874023,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.03406713530421257},{"word":"take","start":1226.6449,"end":1226.8049,"confidence":0.99316406,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.0353001169860363},{"word":"what","start":1226.8049,"end":1227.205,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.042752329260110855},{"word":"what","start":1227.205,"end":1227.445,"confidence":0.99121094,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.047241609543561935},{"word":"comes","start":1227.445,"end":1227.7649,"confidence":0.7546387,"punctuated_word":"comes,","sentiment":"neutral","sentiment_score":-0.03095170855522156},{"word":"i","start":1227.7649,"end":1227.845,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.025314778089523315},{"word":"suppose","start":1227.845,"end":1228.345,"confidence":0.9506836,"punctuated_word":"suppose,","sentiment":"neutral","sentiment_score":-0.022835494950413704},{"word":"until","start":1228.565,"end":1229.0449,"confidence":0.71191406,"punctuated_word":"until,","sentiment":"neutral","sentiment_score":-0.02932695299386978},{"word":"you","start":1229.0449,"end":1229.125,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03223874419927597},{"word":"know","start":1229.125,"end":1229.365,"confidence":0.96728516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.012363160029053688},{"word":"just","start":1229.365,"end":1229.865,"confidence":0.8964844,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0014839917421340942},{"word":"yeah","start":1242.98,"end":1243.48,"confidence":0.65112305,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.045488953590393066},{"word":"yeah","start":1243.5399,"end":1244.02,"confidence":0.7167969,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04755568876862526},{"word":"i","start":1244.02,"end":1244.1799,"confidence":0.19177246,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.039760008454322815},{"word":"think","start":1244.1799,"end":1244.655,"confidence":0.40771484,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.03709666430950165},{"word":"so","start":1255.855,"end":1256.255,"confidence":0.9975586,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.23113387823104856},{"word":"yep","start":1256.255,"end":1256.755,"confidence":0.92089844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1801387071609497},{"word":"yep","start":1273.0751,"end":1273.5751,"confidence":0.9890137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12525448203086853},{"word":"yep","start":1283.395,"end":1283.895,"confidence":0.9975586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13896451890468595},{"word":"yeah","start":1293.9701,"end":1294.2101,"confidence":0.6715088,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028499841690063477},{"word":"not","start":1294.2101,"end":1294.37,"confidence":0.93603516,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.06591367721557617},{"word":"a","start":1294.37,"end":1294.53,"confidence":0.9199219,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.035071633756160736},{"word":"great","start":1294.53,"end":1294.77,"confidence":0.9013672,"punctuated_word":"great","sentiment":"neutral","sentiment_score":-0.0424015149474144},{"word":"lot","start":1294.77,"end":1295.01,"confidence":0.6196289,"punctuated_word":"lot,","sentiment":"neutral","sentiment_score":-0.06638465076684952},{"word":"but","start":1295.01,"end":1295.51,"confidence":0.9707031,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.14022628962993622},{"word":"i","start":1296.93,"end":1297.01,"confidence":0.5473633,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09985288977622986},{"word":"had","start":1297.01,"end":1297.25,"confidence":0.9838867,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.06607438623905182},{"word":"about","start":1297.25,"end":1297.75,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.027785565704107285},{"word":"10,000","start":1297.89,"end":1298.63,"confidence":0.98168945,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":-0.008437857031822205},{"word":"the","start":1299.675,"end":1299.915,"confidence":0.44018555,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.061936963349580765},{"word":"last","start":1299.915,"end":1300.2351,"confidence":0.95166016,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.07067020237445831},{"word":"time","start":1300.2351,"end":1300.4751,"confidence":0.46923828,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.07380971312522888},{"word":"we","start":1300.4751,"end":1300.7151,"confidence":0.9770508,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07366162538528442},{"word":"hit","start":1300.7151,"end":1301.2151,"confidence":0.65808105,"punctuated_word":"hit.","sentiment":"neutral","sentiment_score":-0.0652163177728653},{"word":"but","start":1301.435,"end":1301.675,"confidence":0.50927734,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.028194621205329895},{"word":"we","start":1301.675,"end":1301.755,"confidence":0.98291016,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.013161692768335342},{"word":"hit","start":1301.755,"end":1302.255,"confidence":0.75390625,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.002527233213186264},{"word":"two","start":1302.7151,"end":1303.1151,"confidence":0.50634766,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.006440281867980957},{"word":"years","start":1303.1151,"end":1303.435,"confidence":0.41333008,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.04705718904733658},{"word":"sir","start":1303.435,"end":1303.935,"confidence":0.9453125,"punctuated_word":"sir.","sentiment":"neutral","sentiment_score":0.05349445343017578},{"word":"yeah","start":1319.93,"end":1320.25,"confidence":0.8671875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022939123213291168},{"word":"probably","start":1320.25,"end":1320.65,"confidence":0.8071289,"punctuated_word":"Probably,","sentiment":"neutral","sentiment_score":0.01359479408711195},{"word":"like","start":1320.65,"end":1321.15,"confidence":0.92944336,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.013148286379873753},{"word":"maybe","start":1322.25,"end":1322.65,"confidence":0.82250977,"punctuated_word":"maybe,","sentiment":"neutral","sentiment_score":0.017885996028780937},{"word":"like","start":1322.65,"end":1322.81,"confidence":0.99194336,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02735297195613384},{"word":"100","start":1322.81,"end":1323.4701,"confidence":0.98657227,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.036740586161613464},{"word":"a","start":1324.49,"end":1324.7301,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03568434715270996},{"word":"week","start":1324.7301,"end":1325.2101,"confidence":0.77075195,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.02758718654513359},{"word":"sort","start":1325.2101,"end":1325.37,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03321331739425659},{"word":"of","start":1325.37,"end":1325.87,"confidence":0.98706055,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":0.041018422693014145},{"word":"yeah","start":1348.24,"end":1348.74,"confidence":0.9736328,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08496782183647156},{"word":"yeah","start":1361.535,"end":1361.775,"confidence":0.87768555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.005671534687280655},{"word":"no","start":1361.775,"end":1362.015,"confidence":0.8232422,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04683538526296616},{"word":"it's","start":1362.015,"end":1362.495,"confidence":0.8005371,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.033301372081041336},{"word":"yeah","start":1362.575,"end":1362.8151,"confidence":0.8041992,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.03497821092605591},{"word":"that's","start":1362.8151,"end":1363.135,"confidence":0.9909668,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.04484538361430168},{"word":"right","start":1363.135,"end":1363.635,"confidence":0.9633789,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.023072460666298863},{"word":"not","start":1387.4249,"end":1387.585,"confidence":0.80566406,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.14553901553153992},{"word":"really","start":1387.585,"end":1387.9049,"confidence":0.87890625,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.143195778131485},{"word":"sure","start":1387.9049,"end":1388.1449,"confidence":0.99609375,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.12187302857637404},{"word":"at","start":1388.1449,"end":1388.225,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1697477102279663},{"word":"the","start":1388.225,"end":1388.3049,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16503848135471344},{"word":"moment","start":1388.3049,"end":1388.8049,"confidence":0.9951172,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.20722231268882751},{"word":"yeah","start":1389.745,"end":1390.245,"confidence":0.68066406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11686313152313232},{"word":"i","start":1391.4249,"end":1391.585,"confidence":0.96777344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1153867319226265},{"word":"think","start":1391.585,"end":1391.825,"confidence":0.9902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.09463966637849808},{"word":"when","start":1391.825,"end":1392.225,"confidence":0.96240234,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.07961393147706985},{"word":"i'll","start":1392.75,"end":1393.07,"confidence":0.96655273,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07485883682966232},{"word":"know","start":1393.07,"end":1393.23,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.051824819296598434},{"word":"when","start":1393.23,"end":1393.47,"confidence":0.9526367,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06366155296564102},{"word":"my","start":1393.47,"end":1393.71,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.039339471608400345},{"word":"body","start":1393.71,"end":1394.03,"confidence":0.94970703,"punctuated_word":"body","sentiment":"neutral","sentiment_score":0.05072329193353653},{"word":"tells","start":1394.03,"end":1394.27,"confidence":0.8964844,"punctuated_word":"tells","sentiment":"neutral","sentiment_score":0.03849077224731445},{"word":"me","start":1394.27,"end":1394.77,"confidence":0.9819336,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04479455575346947},{"word":"to","start":1398.03,"end":1398.53,"confidence":0.96899414,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.3332708477973938},{"word":"yeah","start":1403.07,"end":1403.57,"confidence":0.873291,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16395315527915957},{"word":"yep","start":1413.725,"end":1414.225,"confidence":0.9260254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05597258359193802},{"word":"i'm","start":1427.89,"end":1428.05,"confidence":0.73413086,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14869433641433716},{"word":"not","start":1428.05,"end":1428.29,"confidence":0.86035156,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10930894315242767},{"word":"probably","start":1428.29,"end":1428.77,"confidence":0.4506836,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.1389898955821991},{"word":"still","start":1428.77,"end":1429.0901,"confidence":0.8691406,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.12305446714162828},{"word":"leaving","start":1429.0901,"end":1429.41,"confidence":0.5258789,"punctuated_word":"leaving","sentiment":"neutral","sentiment_score":-0.11294481158256532},{"word":"about","start":1429.41,"end":1429.7301,"confidence":0.52734375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.16188526153564453},{"word":"that","start":1429.7301,"end":1430.2301,"confidence":0.5930176,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.12981167435646057},{"word":"$7.50","start":1435.245,"end":1436.125,"confidence":0.75219727,"punctuated_word":"$7.50","sentiment":"neutral","sentiment_score":0.01322470884770155},{"word":"a","start":1436.125,"end":1436.375,"confidence":0.9560547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009732674807310104},{"word":"week","start":1436.375,"end":1436.875,"confidence":0.99853516,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.01372145302593708},{"word":"okay","start":1451.74,"end":1452.24,"confidence":0.7705078,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0015501920133829117},{"word":"yep","start":1480.83,"end":1481.33,"confidence":0.8811035,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0916253849864006},{"word":"yep","start":1486.75,"end":1487.25,"confidence":0.81884766,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08444230258464813},{"word":"no","start":1498.045,"end":1498.545,"confidence":0.9345703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08566351234912872},{"word":"no","start":1508.78,"end":1509.28,"confidence":0.8125,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17270496487617493},{"word":"no","start":1526.635,"end":1526.795,"confidence":0.63586426,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11355185508728027},{"word":"not","start":1526.795,"end":1527.035,"confidence":0.5229492,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.1187393069267273},{"word":"yet","start":1527.035,"end":1527.535,"confidence":0.77001953,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.08871344476938248},{"word":"yeah","start":1548.015,"end":1548.515,"confidence":0.7697754,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06887716054916382},{"word":"yep","start":1564.5,"end":1565.0,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.049396008253097534},{"word":"yes","start":1596.92,"end":1597.215,"confidence":0.8405762,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1982073485851288},{"word":"yep","start":1622.7101,"end":1623.2101,"confidence":0.8562012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07773328572511673},{"word":"may","start":1660.115,"end":1660.4349,"confidence":0.46704102,"punctuated_word":"May","sentiment":"neutral","sentiment_score":0.01308249682188034},{"word":"i","start":1660.4349,"end":1660.515,"confidence":0.86035156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.013548415154218674},{"word":"probably","start":1660.515,"end":1660.9149,"confidence":0.7421875,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.01904362440109253},{"word":"see","start":1660.9149,"end":1661.155,"confidence":0.4440918,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.006410941481590271},{"word":"the","start":1661.155,"end":1661.315,"confidence":0.48168945,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008161164820194244},{"word":"second","start":1661.315,"end":1661.815,"confidence":0.95092773,"punctuated_word":"second?","sentiment":"neutral","sentiment_score":0.007590631954371929},{"word":"yeah","start":1667.7949,"end":1668.2949,"confidence":0.74401855,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12430661916732788},{"word":"probably","start":1691.225,"end":1691.625,"confidence":0.68310547,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.027697911486029625},{"word":"just","start":1691.625,"end":1691.785,"confidence":0.8676758,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.028737502172589306},{"word":"like","start":1691.785,"end":1692.285,"confidence":0.45458984,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.024283913895487785},{"word":"the","start":1700.63,"end":1700.71,"confidence":0.8935547,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.02443753182888031},{"word":"second","start":1700.71,"end":1701.1901,"confidence":0.8051758,"punctuated_word":"second","sentiment":"neutral","sentiment_score":-0.010460268706083298},{"word":"one","start":1701.1901,"end":1701.51,"confidence":0.7788086,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.017514165490865707},{"word":"what","start":1701.51,"end":1701.67,"confidence":0.5419922,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01965162344276905},{"word":"you","start":1701.67,"end":1701.8301,"confidence":0.40356445,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01749851554632187},{"word":"see","start":1701.8301,"end":1702.3301,"confidence":0.7224121,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":-0.012094656005501749},{"word":"yep","start":1710.495,"end":1710.995,"confidence":0.8178711,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07847638428211212},{"word":"yeah","start":1732.62,"end":1733.1,"confidence":0.9489746,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02222931571304798},{"word":"probably","start":1733.1,"end":1733.42,"confidence":0.57336426,"punctuated_word":"Probably,","sentiment":"neutral","sentiment_score":-0.03588968887925148},{"word":"say","start":1733.42,"end":1733.92,"confidence":0.7155762,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.03833838552236557},{"word":"seek","start":1735.515,"end":1735.755,"confidence":0.29052734,"punctuated_word":"seek","sentiment":"neutral","sentiment_score":-0.04516439139842987},{"word":"an","start":1735.755,"end":1735.995,"confidence":0.84716797,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.04163120314478874},{"word":"answer","start":1735.995,"end":1736.3151,"confidence":1.0,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.03685855120420456},{"word":"again","start":1736.3151,"end":1736.635,"confidence":0.8210449,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.02999897301197052},{"word":"maybe","start":1736.635,"end":1737.135,"confidence":0.8173828,"punctuated_word":"maybe.","sentiment":"neutral","sentiment_score":-0.03024091012775898},{"word":"property","start":1753.28,"end":1753.78,"confidence":0.7783203,"punctuated_word":"Property.","sentiment":"neutral","sentiment_score":0.01985432207584381},{"word":"hello","start":1768.105,"end":1768.425,"confidence":0.5560303,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.016860714182257652},{"word":"maybe","start":1768.425,"end":1768.905,"confidence":0.9790039,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.018521158024668697},{"word":"investment","start":1768.905,"end":1769.405,"confidence":0.81884766,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.023219846189022064},{"word":"no","start":1849.28,"end":1849.36,"confidence":0.7191162,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2437901496887207},{"word":"i","start":1849.36,"end":1849.52,"confidence":0.9453125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.32804885506629944},{"word":"don't","start":1849.52,"end":1849.6799,"confidence":0.9807129,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.30853521823883057},{"word":"feel","start":1849.6799,"end":1850.1799,"confidence":0.99121094,"punctuated_word":"feel","sentiment":"negative","sentiment_score":-0.4331769347190857},{"word":"comfortable","start":1850.425,"end":1850.925,"confidence":0.9970703,"punctuated_word":"comfortable.","sentiment":"negative","sentiment_score":-0.4676572382450104},{"word":"no","start":1888.525,"end":1889.025,"confidence":0.71203613,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0880960151553154},{"word":"sure","start":1889.565,"end":1889.805,"confidence":0.56152344,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.22676271200180056},{"word":"it","start":1889.805,"end":1890.045,"confidence":0.7939453,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.3152638375759125},{"word":"sounds","start":1890.045,"end":1890.285,"confidence":0.9902344,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.3944227397441864},{"word":"pretty","start":1890.285,"end":1890.605,"confidence":0.82373047,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.3226444125175476},{"word":"pretty","start":1890.605,"end":1890.925,"confidence":0.7558594,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3811211884021759},{"word":"good","start":1890.925,"end":1891.085,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4742538332939148},{"word":"to","start":1891.085,"end":1891.245,"confidence":0.98828125,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5232056975364685},{"word":"me","start":1891.245,"end":1891.745,"confidence":0.9980469,"punctuated_word":"me.","sentiment":"positive","sentiment_score":0.4908703565597534},{"word":"yes","start":1901.9601,"end":1902.4601,"confidence":0.6434326,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1696796715259552},{"word":"okay","start":1915.885,"end":1916.385,"confidence":0.9946289,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.24110563099384308},{"word":"you","start":1921.41,"end":1921.5701,"confidence":0.89990234,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5906833410263062},{"word":"too","start":1921.5701,"end":1921.81,"confidence":0.99658203,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.5641680955886841},{"word":"thank","start":1921.81,"end":1922.13,"confidence":0.99316406,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7478563189506531},{"word":"you","start":1922.13,"end":1922.63,"confidence":0.99658203,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.7435328364372253},{"word":"thank","start":1927.17,"end":1927.41,"confidence":0.35546875,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5554606914520264},{"word":"you","start":1927.41,"end":1927.91,"confidence":0.99072266,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5193288326263428},{"word":"bye","start":1928.13,"end":1928.37,"confidence":0.82470703,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.2375942170619965},{"word":"bye","start":1928.37,"end":1928.87,"confidence":0.98535156,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":0.2837193012237549}],"paragraphs":{"transcript":"\nHello? Yeah. Hold. Yep. No.\n\nNo. No. All good. Yep. Three days.\n\nMalcolm Davis. 6 o'clock nineteen ninety. 43 Kelly Andrew Lane, Farfetch. Yep. Give me a sec.\n\nPretty quiet. I said work, but, yeah, it's been pretty quiet. Yeah. Yeah. Okay.\n\nYeah. I'll I'll I'll I'll open it up. Mhmm. Yep. Yes.\n\nYep. You said the first price or oh, yes. I can. Yep. Probably did, but, yeah, I'm Henry.\n\nAlright. It just sounds good to me. Yep. That's fine. Okay.\n\nYep. No. It's such a that's okay. Yep. Yeah.\n\nI think well, I think for now, I'm gonna be okay. Yeah. Yes. Yes. No.\n\nShe doesn't know where. Yep. Yeah. I'll I'll just leave it for now and then maybe okay. We'll get it with my wife.\n\nYep. That sounds good. No. Mhmm. Yeah.\n\nI'm not. Yeah. But lock service. Load service annually. Yeah.\n\nPretty much for quite a bit. Bank it all up is the one. Yep. Okay. They're all adults.\n\nNow they're 20 seven 27, 26, 25, 24, and 22. I'm not yet. I'm not sure. Hold on. Yep.\n\nNot. Yes. Yes. We are, actually. Yeah.\n\nI think it's about 7%, I think. Yeah. Not too bad. We we've been trying to save so we can buy a you know, try and buy a house. But yeah.\n\nIt's sort of just whatever we have available. Not not not not not much at the moment, but yes. So we're coming to a bit of a snag at the moment because or the house that we're living in, the the people wanna sell up after bloody fourteen years within that house. Yeah. Yeah.\n\nYes. We sort of had we sort of found a few houses, you know, but you kinda just gotta take what what comes, I suppose, until, you know, just yeah. Yeah. I think so. Yep.\n\nYep. Yep. Yeah. Not a great lot, but I had about 10,000 the last time we hit. But we hit two years, sir.\n\nYeah. Probably, like, maybe, like, 100 a week, sort of. Yeah. Yeah. No.\n\nIt's yeah. That's right. Not really sure at the moment. Yeah. I think when I'll know when my body tells me to.\n\nYeah. Yep. I'm not probably still leaving about that. $7.50 a week. Okay.\n\nYep. Yep. No. No. No.\n\nNot yet. Yeah. Yep. Yes. Yep.\n\nMay I probably see the second? Yeah. Probably just like The second one, what you see. Yep. Yeah.\n\nProbably, say, seek an answer again, maybe. Property. Hello. Maybe investment. No.\n\nI don't feel comfortable. No. Sure. It sounds pretty pretty good to me. Yes.\n\nOkay. You too. Thank you. Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.0486418679356575},{"text":"Yeah.","start":13.36,"end":13.5199995,"sentiment":"neutral","sentiment_score":0.1076829433441162},{"text":"Hold.","start":13.5199995,"end":13.84,"sentiment":"neutral","sentiment_score":0.08206067979335785},{"text":"Yep.","start":13.84,"end":14.34,"sentiment":"neutral","sentiment_score":0.0714469850063324},{"text":"No.","start":20.835,"end":21.154999,"sentiment":"neutral","sentiment_score":-0.09732759743928908}],"sentiment":"neutral","sentiment_score":0.042500975728034976,"num_words":5,"start":1.28,"end":21.154999},{"sentences":[{"text":"No.","start":21.154999,"end":21.235,"sentiment":"neutral","sentiment_score":-0.10292809456586838},{"text":"No.","start":21.235,"end":21.475,"sentiment":"neutral","sentiment_score":-0.08475543558597565},{"text":"All good.","start":21.475,"end":22.215,"sentiment":"neutral","sentiment_score":0.04284939728677273},{"text":"Yep.","start":31.04,"end":31.52,"sentiment":"neutral","sentiment_score":0.1371287852525711},{"text":"Three days.","start":31.52,"end":32.260002,"sentiment":"neutral","sentiment_score":0.18207744508981705}],"sentiment":"neutral","sentiment_score":0.057042705693415234,"num_words":7,"start":21.154999,"end":32.260002},{"sentences":[{"text":"Malcolm Davis.","start":40.684998,"end":41.664997,"sentiment":"neutral","sentiment_score":0.03615643363445997},{"text":"6 o'clock nineteen ninety.","start":42.285,"end":43.905,"sentiment":"neutral","sentiment_score":0.04528206121176481},{"text":"43 Kelly Andrew Lane, Farfetch.","start":45.004997,"end":47.024998,"sentiment":"neutral","sentiment_score":0.03626695722341537},{"text":"Yep.","start":60.760002,"end":61.260002,"sentiment":"neutral","sentiment_score":0.0457054004073143},{"text":"Give me a sec.","start":61.72,"end":62.7,"sentiment":"neutral","sentiment_score":0.03322783671319485}],"sentiment":"neutral","sentiment_score":0.03833704034332186,"num_words":16,"start":40.684998,"end":62.7},{"sentences":[{"text":"Pretty quiet.","start":72.315,"end":73.055,"sentiment":"neutral","sentiment_score":0.05562474951148033},{"text":"I said work, but, yeah, it's been pretty quiet.","start":73.275,"end":75.455,"sentiment":"neutral","sentiment_score":0.015132060791883204},{"text":"Yeah.","start":79.915,"end":80.235,"sentiment":"neutral","sentiment_score":0.07277284562587738},{"text":"Yeah.","start":80.235,"end":80.735,"sentiment":"neutral","sentiment_score":0.07902881503105164},{"text":"Okay.","start":83.98,"end":84.48,"sentiment":"neutral","sentiment_score":0.10797902941703796}],"sentiment":"neutral","sentiment_score":0.03622990973027689,"num_words":14,"start":72.315,"end":84.48},{"sentences":[{"text":"Yeah.","start":105.795,"end":106.295,"sentiment":"neutral","sentiment_score":0.10236521065235138},{"text":"I'll I'll I'll I'll open it up.","start":106.355,"end":107.97,"sentiment":"neutral","sentiment_score":0.11414717031376702},{"text":"Mhmm.","start":116.53,"end":117.03,"sentiment":"neutral","sentiment_score":-0.017479686066508293},{"text":"Yep.","start":123.525,"end":124.025,"sentiment":"neutral","sentiment_score":0.31343895196914673},{"text":"Yes.","start":152.625,"end":153.125,"sentiment":"neutral","sentiment_score":0.21017107367515564}],"sentiment":"neutral","sentiment_score":0.1279568856751377,"num_words":11,"start":105.795,"end":153.125},{"sentences":[{"text":"Yep.","start":169.31999,"end":169.81999,"sentiment":"neutral","sentiment_score":0.13169118762016296},{"text":"You said the first price or oh, yes.","start":234.585,"end":247.30501,"sentiment":"neutral","sentiment_score":0.0378011075372342},{"text":"I can.","start":247.30501,"end":247.96501,"sentiment":"neutral","sentiment_score":0.12128856405615807},{"text":"Yep.","start":263.665,"end":264.165,"sentiment":"neutral","sentiment_score":0.10228043794631958},{"text":"Probably did, but, yeah, I'm Henry.","start":290.1,"end":293.405,"sentiment":"neutral","sentiment_score":0.00024849579979976016}],"sentiment":"neutral","sentiment_score":0.043358254931970604,"num_words":18,"start":169.31999,"end":293.405},{"sentences":[{"text":"Alright.","start":401.10498,"end":401.425,"sentiment":"neutral","sentiment_score":0.08053997159004211},{"text":"It just sounds good to me.","start":401.425,"end":402.965,"sentiment":"neutral","sentiment_score":0.07461712323129177},{"text":"Yep.","start":426.265,"end":426.505,"sentiment":"neutral","sentiment_score":0.067901611328125},{"text":"That's fine.","start":426.505,"end":427.405,"sentiment":"neutral","sentiment_score":0.11067311465740204},{"text":"Okay.","start":444.28,"end":444.78,"sentiment":"neutral","sentiment_score":0.07437571883201599}],"sentiment":"neutral","sentiment_score":0.0810787518593398,"num_words":11,"start":401.10498,"end":444.78},{"sentences":[{"text":"Yep.","start":486.785,"end":487.285,"sentiment":"neutral","sentiment_score":0.0959922894835472},{"text":"No.","start":494.63998,"end":494.96,"sentiment":"neutral","sentiment_score":-0.1658635437488556},{"text":"It's such a that's okay.","start":494.96,"end":496.74,"sentiment":"neutral","sentiment_score":-0.0003884641453623772},{"text":"Yep.","start":593.885,"end":594.385,"sentiment":"neutral","sentiment_score":-0.07687162607908249},{"text":"Yeah.","start":639.64496,"end":640.14496,"sentiment":"neutral","sentiment_score":0.2429041713476181}],"sentiment":"neutral","sentiment_score":0.010468774475157261,"num_words":9,"start":486.785,"end":640.14496},{"sentences":[{"text":"I think well, I think for now, I'm gonna be okay.","start":640.20496,"end":642.945,"sentiment":"neutral","sentiment_score":0.304996905001727},{"text":"Yeah.","start":643.005,"end":643.505,"sentiment":"neutral","sentiment_score":0.05698782950639725},{"text":"Yes.","start":669.27,"end":669.735,"sentiment":"neutral","sentiment_score":0.11620688438415527},{"text":"Yes.","start":674.855,"end":675.355,"sentiment":"neutral","sentiment_score":0.11265737563371658},{"text":"No.","start":695.4,"end":695.64,"sentiment":"neutral","sentiment_score":-0.11728140711784364}],"sentiment":"neutral","sentiment_score":0.23490244249502817,"num_words":15,"start":640.20496,"end":695.64},{"sentences":[{"text":"She doesn't know where.","start":695.64,"end":696.7,"sentiment":"neutral","sentiment_score":-0.12914847023785114},{"text":"Yep.","start":750.44995,"end":750.94995,"sentiment":"neutral","sentiment_score":0.07788543403148651},{"text":"Yeah.","start":760.66504,"end":761.065,"sentiment":"neutral","sentiment_score":0.14866533875465393},{"text":"I'll I'll just leave it for now and then maybe okay.","start":761.065,"end":765.07996,"sentiment":"neutral","sentiment_score":0.09484247795560143},{"text":"We'll get it with my wife.","start":765.07996,"end":766.38,"sentiment":"neutral","sentiment_score":0.2284908046325048}],"sentiment":"neutral","sentiment_score":0.09235517291919045,"num_words":23,"start":695.64,"end":766.38},{"sentences":[{"text":"Yep.","start":799.26,"end":799.5,"sentiment":"neutral","sentiment_score":0.1703614443540573},{"text":"That sounds good.","start":799.5,"end":800.56,"sentiment":"positive","sentiment_score":0.502303421497345},{"text":"No.","start":822.45,"end":822.95,"sentiment":"neutral","sentiment_score":-0.098475344479084},{"text":"Mhmm.","start":837.34503,"end":837.84503,"sentiment":"neutral","sentiment_score":0.0032634735107421875},{"text":"Yeah.","start":843.98505,"end":844.48505,"sentiment":"neutral","sentiment_score":0.10676625370979308}],"sentiment":"neutral","sentiment_score":0.24126087022679193,"num_words":7,"start":799.26,"end":844.48505},{"sentences":[{"text":"I'm not.","start":860.325,"end":868.27246,"sentiment":"neutral","sentiment_score":-0.04838864505290985},{"text":"Yeah.","start":876.33997,"end":876.66,"sentiment":"neutral","sentiment_score":-0.015558436512947084},{"text":"But lock service.","start":876.66,"end":878.19995,"sentiment":"neutral","sentiment_score":-0.013897029682993889},{"text":"Load service annually.","start":880.57996,"end":881.8,"sentiment":"neutral","sentiment_score":-0.008749029909571012},{"text":"Yeah.","start":882.18,"end":882.5,"sentiment":"neutral","sentiment_score":0.005595074966549873}],"sentiment":"neutral","sentiment_score":-0.017467883042991163,"num_words":10,"start":860.325,"end":882.5},{"sentences":[{"text":"Pretty much for quite a bit.","start":882.5,"end":884.75995,"sentiment":"neutral","sentiment_score":-0.011047663322339455},{"text":"Bank it all up is the one.","start":891.275,"end":892.895,"sentiment":"positive","sentiment_score":0.3978896609374455},{"text":"Yep.","start":902.71497,"end":903.21497,"sentiment":"neutral","sentiment_score":0.26147717237472534},{"text":"Okay.","start":911.08,"end":911.58,"sentiment":"neutral","sentiment_score":0.18898838758468628},{"text":"They're all adults.","start":946.405,"end":947.305,"sentiment":"neutral","sentiment_score":-0.008726616390049458}],"sentiment":"neutral","sentiment_score":0.1746237420787414,"num_words":18,"start":882.5,"end":947.305},{"sentences":[{"text":"Now they're 20 seven 27, 26, 25, 24, and 22.","start":947.365,"end":956.105,"sentiment":"neutral","sentiment_score":0.0044942601001821455},{"text":"I'm not yet.","start":974.125,"end":974.925,"sentiment":"neutral","sentiment_score":-0.11136880765358607},{"text":"I'm not sure.","start":974.925,"end":975.565,"sentiment":"neutral","sentiment_score":-0.1393198718627294},{"text":"Hold on.","start":975.565,"end":976.225,"sentiment":"neutral","sentiment_score":-0.05824777111411095},{"text":"Yep.","start":1038.055,"end":1038.555,"sentiment":"neutral","sentiment_score":0.16114471852779388}],"sentiment":"neutral","sentiment_score":-0.03486706638145015,"num_words":19,"start":947.365,"end":1038.555},{"sentences":[{"text":"Not.","start":1108.495,"end":1108.995,"sentiment":"neutral","sentiment_score":-0.1500636637210846},{"text":"Yes.","start":1124.34,"end":1124.84,"sentiment":"neutral","sentiment_score":0.05131351575255394},{"text":"Yes.","start":1130.18,"end":1130.5,"sentiment":"neutral","sentiment_score":0.15425120294094086},{"text":"We are, actually.","start":1130.5,"end":1131.4,"sentiment":"neutral","sentiment_score":0.25793590644995373},{"text":"Yeah.","start":1136.125,"end":1136.605,"sentiment":"neutral","sentiment_score":0.15589356422424316}],"sentiment":"neutral","sentiment_score":0.14074319122093065,"num_words":7,"start":1108.495,"end":1136.605},{"sentences":[{"text":"I think it's about 7%, I think.","start":1136.605,"end":1139.185,"sentiment":"neutral","sentiment_score":0.13093418095793044},{"text":"Yeah.","start":1155.98,"end":1156.4601,"sentiment":"neutral","sentiment_score":0.03102332539856434},{"text":"Not too bad.","start":1156.4601,"end":1157.42,"sentiment":"neutral","sentiment_score":0.03582816322644552},{"text":"We we've been trying to save so we can buy a you know, try and buy a house.","start":1157.42,"end":1164.5549,"sentiment":"neutral","sentiment_score":0.026865323902004294},{"text":"But yeah.","start":1164.5549,"end":1176.075,"sentiment":"neutral","sentiment_score":0.05351834883913398}],"sentiment":"neutral","sentiment_score":0.05308579386121804,"num_words":31,"start":1136.605,"end":1176.075},{"sentences":[{"text":"It's sort of just whatever we have available.","start":1176.075,"end":1178.15,"sentiment":"neutral","sentiment_score":0.003083637682721019},{"text":"Not not not not not much at the moment, but yes.","start":1184.2101,"end":1187.67,"sentiment":"neutral","sentiment_score":-0.09271813675083897},{"text":"So we're coming to a bit of a snag at the moment because or the house that we're living in, the the people wanna sell up after bloody fourteen years within that house.","start":1188.53,"end":1199.575,"sentiment":"neutral","sentiment_score":-0.13260617445815692},{"text":"Yeah.","start":1204.755,"end":1205.255,"sentiment":"neutral","sentiment_score":-0.04789251461625099},{"text":"Yeah.","start":1205.315,"end":1205.815,"sentiment":"neutral","sentiment_score":-0.03951116651296616}],"sentiment":"neutral","sentiment_score":-0.10108588594529364,"num_words":54,"start":1176.075,"end":1205.815},{"sentences":[{"text":"Yes.","start":1218.73,"end":1219.23,"sentiment":"neutral","sentiment_score":-0.003615833818912506},{"text":"We sort of had we sort of found a few houses, you know, but you kinda just gotta take what what comes, I suppose, until, you know, just yeah.","start":1219.61,"end":1243.48,"sentiment":"neutral","sentiment_score":-0.022730038597665984},{"text":"Yeah.","start":1243.5399,"end":1244.02,"sentiment":"neutral","sentiment_score":0.04755568876862526},{"text":"I think so.","start":1244.02,"end":1256.255,"sentiment":"neutral","sentiment_score":0.10266351699829102},{"text":"Yep.","start":1256.255,"end":1256.755,"sentiment":"neutral","sentiment_score":0.1801387071609497}],"sentiment":"neutral","sentiment_score":-0.003631485892193658,"num_words":35,"start":1218.73,"end":1256.755},{"sentences":[{"text":"Yep.","start":1273.0751,"end":1273.5751,"sentiment":"neutral","sentiment_score":0.12525448203086853},{"text":"Yep.","start":1283.395,"end":1283.895,"sentiment":"neutral","sentiment_score":0.13896451890468595},{"text":"Yeah.","start":1293.9701,"end":1294.2101,"sentiment":"neutral","sentiment_score":0.028499841690063477},{"text":"Not a great lot, but I had about 10,000 the last time we hit.","start":1294.2101,"end":1301.2151,"sentiment":"neutral","sentiment_score":-0.06410309193389756},{"text":"But we hit two years, sir.","start":1301.435,"end":1303.935,"sentiment":"neutral","sentiment_score":0.011360473930835724}],"sentiment":"neutral","sentiment_score":-0.023328765254953632,"num_words":23,"start":1273.0751,"end":1303.935},{"sentences":[{"text":"Yeah.","start":1319.93,"end":1320.25,"sentiment":"neutral","sentiment_score":0.022939123213291168},{"text":"Probably, like, maybe, like, 100 a week, sort of.","start":1320.25,"end":1325.87,"sentiment":"neutral","sentiment_score":0.02735843426651425},{"text":"Yeah.","start":1348.24,"end":1348.74,"sentiment":"neutral","sentiment_score":0.08496782183647156},{"text":"Yeah.","start":1361.535,"end":1361.775,"sentiment":"neutral","sentiment_score":-0.005671534687280655},{"text":"No.","start":1361.775,"end":1362.015,"sentiment":"neutral","sentiment_score":-0.04683538526296616}],"sentiment":"neutral","sentiment_score":0.023201994884472627,"num_words":13,"start":1319.93,"end":1362.015},{"sentences":[{"text":"It's yeah.","start":1362.015,"end":1362.8151,"sentiment":"neutral","sentiment_score":-0.03413979150354862},{"text":"That's right.","start":1362.8151,"end":1363.635,"sentiment":"neutral","sentiment_score":-0.033958922140300274},{"text":"Not really sure at the moment.","start":1387.4249,"end":1388.8049,"sentiment":"neutral","sentiment_score":-0.1587693877518177},{"text":"Yeah.","start":1389.745,"end":1390.245,"sentiment":"neutral","sentiment_score":0.11686313152313232},{"text":"I think when I'll know when my body tells me to.","start":1391.4249,"end":1398.53,"sentiment":"neutral","sentiment_score":0.08969131620092825}],"sentiment":"neutral","sentiment_score":0.0006660843606699597,"num_words":22,"start":1362.015,"end":1398.53},{"sentences":[{"text":"Yeah.","start":1403.07,"end":1403.57,"sentiment":"neutral","sentiment_score":0.16395315527915957},{"text":"Yep.","start":1413.725,"end":1414.225,"sentiment":"neutral","sentiment_score":0.05597258359193802},{"text":"I'm not probably still leaving about that.","start":1427.89,"end":1430.2301,"sentiment":"neutral","sentiment_score":-0.13209848425218038},{"text":"$7.50 a week.","start":1435.245,"end":1436.875,"sentiment":"neutral","sentiment_score":0.012226278893649578},{"text":"Okay.","start":1451.74,"end":1452.24,"sentiment":"neutral","sentiment_score":-0.0015501920133829117}],"sentiment":"neutral","sentiment_score":-0.05151038509435379,"num_words":13,"start":1403.07,"end":1452.24},{"sentences":[{"text":"Yep.","start":1480.83,"end":1481.33,"sentiment":"neutral","sentiment_score":0.0916253849864006},{"text":"Yep.","start":1486.75,"end":1487.25,"sentiment":"neutral","sentiment_score":0.08444230258464813},{"text":"No.","start":1498.045,"end":1498.545,"sentiment":"neutral","sentiment_score":-0.08566351234912872},{"text":"No.","start":1508.78,"end":1509.28,"sentiment":"neutral","sentiment_score":-0.17270496487617493},{"text":"No.","start":1526.635,"end":1526.795,"sentiment":"neutral","sentiment_score":-0.11355185508728027}],"sentiment":"neutral","sentiment_score":-0.03917052894830704,"num_words":5,"start":1480.83,"end":1526.795},{"sentences":[{"text":"Not yet.","start":1526.795,"end":1527.535,"sentiment":"neutral","sentiment_score":-0.10372637584805489},{"text":"Yeah.","start":1548.015,"end":1548.515,"sentiment":"neutral","sentiment_score":-0.06887716054916382},{"text":"Yep.","start":1564.5,"end":1565.0,"sentiment":"neutral","sentiment_score":-0.049396008253097534},{"text":"Yes.","start":1596.92,"end":1597.215,"sentiment":"neutral","sentiment_score":0.1982073485851288},{"text":"Yep.","start":1622.7101,"end":1623.2101,"sentiment":"neutral","sentiment_score":0.07773328572511673}],"sentiment":"neutral","sentiment_score":-0.00829754769802093,"num_words":6,"start":1526.795,"end":1623.2101},{"sentences":[{"text":"May I probably see the second?","start":1660.115,"end":1661.815,"sentiment":"neutral","sentiment_score":0.01130621243889133},{"text":"Yeah.","start":1667.7949,"end":1668.2949,"sentiment":"neutral","sentiment_score":0.12430661916732788},{"text":"Probably just like The second one, what you see.","start":1691.225,"end":1702.3301,"sentiment":"neutral","sentiment_score":-0.0202640098416143},{"text":"Yep.","start":1710.495,"end":1710.995,"sentiment":"neutral","sentiment_score":0.07847638428211212},{"text":"Yeah.","start":1732.62,"end":1733.1,"sentiment":"neutral","sentiment_score":-0.02222931571304798}],"sentiment":"neutral","sentiment_score":0.0036674929886228507,"num_words":18,"start":1660.115,"end":1733.1},{"sentences":[{"text":"Probably, say, seek an answer again, maybe.","start":1733.1,"end":1737.135,"sentiment":"neutral","sentiment_score":-0.03687458618410996},{"text":"Property.","start":1753.28,"end":1753.78,"sentiment":"neutral","sentiment_score":0.01985432207584381},{"text":"Hello.","start":1768.105,"end":1768.425,"sentiment":"neutral","sentiment_score":0.016860714182257652},{"text":"Maybe investment.","start":1768.425,"end":1769.405,"sentiment":"neutral","sentiment_score":0.02087050210684538},{"text":"No.","start":1849.28,"end":1849.36,"sentiment":"neutral","sentiment_score":-0.2437901496887207}],"sentiment":"neutral","sentiment_score":-0.035288017708808184,"num_words":12,"start":1733.1,"end":1849.36},{"sentences":[{"text":"I don't feel comfortable.","start":1849.36,"end":1850.925,"sentiment":"negative","sentiment_score":-0.3843545615673065},{"text":"No.","start":1888.525,"end":1889.025,"sentiment":"neutral","sentiment_score":0.0880960151553154},{"text":"Sure.","start":1889.565,"end":1889.805,"sentiment":"neutral","sentiment_score":0.22676271200180056},{"text":"It sounds pretty pretty good to me.","start":1889.805,"end":1891.745,"sentiment":"positive","sentiment_score":0.4145402950899942},{"text":"Yes.","start":1901.9601,"end":1902.4601,"sentiment":"neutral","sentiment_score":0.1696796715259552}],"sentiment":"neutral","sentiment_score":0.132064444145986,"num_words":14,"start":1849.36,"end":1902.4601},{"sentences":[{"text":"Okay.","start":1915.885,"end":1916.385,"sentiment":"neutral","sentiment_score":0.24110563099384308},{"text":"You too.","start":1921.41,"end":1921.81,"sentiment":"positive","sentiment_score":0.5774257183074951},{"text":"Thank you.","start":1921.81,"end":1922.63,"sentiment":"positive","sentiment_score":0.7456945776939392},{"text":"Thank you.","start":1927.17,"end":1927.91,"sentiment":"positive","sentiment_score":0.5373947620391846},{"text":"Bye bye.","start":1928.13,"end":1928.87,"sentiment":"neutral","sentiment_score":0.26065675914287567}],"sentiment":"positive","sentiment_score":0.4981610294845369,"num_words":9,"start":1915.885,"end":1928.87}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Malcolm. This is Dana from Oakview Financial. How are you today? That's good. I had you booked in to go through your annual review.\n\nIs now still a good time there for you?\n\nChannel 1: Yeah. Hold. Yep.\n\nChannel 0: Yeah. Oh, good. I'm so sorry. Did you need a second to I do apologize.\n\nChannel 1: No. No. No. All good.\n\nChannel 0: Oh, good. Fantastic. Before we jump into the call then, Malcolm, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep. Three days.\n\nChannel 0: Fan fantastic. And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Malcolm Davis. 6\n\nChannel 0: Yep.\n\nChannel 1: o'clock nineteen ninety.\n\nChannel 0: Yep.\n\nChannel 1: 43 Kelly Andrew Lane, Farfetch.\n\nChannel 0: Legend. Thank you so much for that. Malcolm, as part of your annual review, we do normally send through some documents to you so you can look at them as I'm going through things. Are you able to look at your emails? If you can't, that's okay.\n\nChannel 1: Yep. Give me a sec.\n\nChannel 0: Yeah. You're right. I'm just gonna press send on this one and send it to you there now. Beautiful. How's your day been so far?\n\nChannel 1: Pretty quiet. I said work, but, yeah, it's been pretty quiet.\n\nChannel 0: Yeah. I mean, quiet. It's probably not a bad thing sometimes.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: Alright. Perfect. I've sent that one through to you there. Now it should come through from Odoo sign, or it should have my name and email there. So dana@opfinancial.\n\nChannel 1: Yeah. I'll I'll I'll I'll open it up.\n\nChannel 0: Got it. Oh, fantastic. Excellent. So when you open it up, you just press the little sign button so it takes you through so you can review the documents there. But\n\nChannel 1: Mhmm.\n\nChannel 0: I'll never ask you to sign them until you're happy and that you've gone through them. I'll make sure you go through them first. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Now the first document you should see there is a summary of superannuation and insurances as of the August 19 there. So it does have an updated balance, your balance in super. And when I look back to the last annual review you completed with us, essentially, your balance then was sitting at 93,504 and 57¢. Your balance is now up to over a 103,422 and 6¢ there.\n\nSo we have seen a bit of an increase within your super, which is good to see.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. The next page, if you click the next button or it should be a little button at the top that allows you to go to the next document, you have the asset performance detail report there. That's your portfolio report for your Netwealth Superfund. Can you see that one?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Fantastic. So with this one here, it is showing you on the second page how your portfolio has performed. Now this year, there has been a lot of ups and downs in the market with everything that's been going on, especially with The US and the Iran war. But then here in Australia, we've also had high inflationary rates there.\n\nYour portfolio has essentially shown it has a positive return, net of fees. So after all fees have been taken into account, you've made 5.28%. So it is a little bit little bit lower of a return than what we would like to see for the high growth environment, but it is understandable that some years we do get those lower returns with the market ups and downs and the volatility that we have certainly seen, but you have come out with a positive return. The other thing I wanted to show you was if you go to the first page of that document there and you look at the sorry. The side of this the on my side is the left hand side of the document.\n\nYou'll see you've got cash, alternative investments, and Australian equities as the blue heading. Can you see those headings there?\n\nChannel 1: You said the first price or\n\nChannel 0: Yeah. The first page of the asset performance detail report. Yeah. That's okay.\n\nChannel 1: oh, yes. I can.\n\nChannel 0: That's the one? Beautiful. So you've got three different investments noted there. One of them is the Bennelong Australian Equities Fund. The other is the BetaShares Australian 200 ETF, and then you've also got the BetaShares Raffi Australia 200 ETF\n\nChannel 1: Yep.\n\nChannel 0: there as well. Essentially, with the Bana Long one, if you look at the very last column, you actually see that we have sold that one completely out. So that investment was also underperforming within your super over the last few months there. So as soon as we did notice that early this year, we had removed that from your portfolio. We had originally sent a record of advice to you in email back in March.\n\nDo you remember seeing that email there at all?\n\nChannel 1: Probably did, but, yeah, I'm\n\nChannel 0: That's\n\nChannel 1: Henry.\n\nChannel 0: okay. Life gets very busy. It's honestly not a problem. That's why I wanted to make sure I brought it up with you. It's all good.\n\nWe sent that email back in March to let you know we had been looking at the investments and had noticed that this was an underperforming fund, so we wanted to remove that out of your portfolio. It is important that we review portfolios regularly because investors that worked a couple of years ago might not be working now, and different investments need to be switched out and changed as you work towards your long term goals of retirement there. So we actually removed the Benelon Australian Equities, and we replaced it with the BetaShares a 200. One of the biggest chain reasons for making the change were partly because of the underperformance of Bennelong. But Bennelong is more of an actively managed fund, and the fund manager hasn't been able to outperform against the market.\n\nSo it's not been doing very well. Bennelong also generally holds between 15 to 25 different companies within that investment option. So we've replaced it with the BetaShares a 200, which is giving you exposure to the top 200 companies on the ASX. So that is essentially tracking the top 200 companies. So it's helping to lower the risk level of your portfolio and providing greater diversification.\n\nSo diversification is making sure you're spreading your risk level across lots of different companies, different industries, and different asset classes as well as different countries there as well. So it has worked out really well. And since we made that change in the last three months, we have seen a 6% return net of fees for your portfolio in that three month period there. So it has definitely been working. Your portfolio has recovered from that, and it's about building on that moving forward there for you.\n\nDo you have any questions about any of that thus far?\n\nChannel 1: Alright. It just sounds good to\n\nChannel 0: No?\n\nChannel 1: me.\n\nChannel 0: Yeah. Fantastic. Excellent. So, look, it has I wanna keep sort of monitoring things there for you because we have just made this change to your portfolio. Depending on how the rest of the review goes, I definitely wanna maybe catch up in about six months with you just to see how things are tracking and look at whether we need to update any advice then for you and maybe update the portfolio as well.\n\nDoes that sound okay?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yeah. Fantastic. Excellent. Excellent. Then on the first page, which had your summary of superannuation and insurances, I'm just referring to the insurance side of things there now.\n\nSo you do also have your Zurich insurance policy, which is paid from your super fund. Your\n\nChannel 1: Okay.\n\nChannel 0: life cover that you're covered for at the moment has a benefit of 378,034. So if we think about the theoretical side around the life cover, if you were to, say, pass away today, your your partner, I believe, we've got Eileen as your beneficiary there. She could receive your life benefit of 378,000, but then also your super is paid out on top of that, so the extra 103,000 there. I'll just add it all together for you to give you a total. Three, four.\n\nIt's worth that to be between the two. About 481,456 that could be paid out as a life benefit. Between\n\nChannel 1: Yep.\n\nChannel 0: your life insurance and your sleeper, does that feel comfortable for you? Did you wanna review that amount, or what's your thought?\n\nChannel 1: No. It's such a that's okay.\n\nChannel 0: That's okay? Beautiful. Excellent. And you've also got some total permanent disability cover, so TPD. Do you understand how TPD insurance works and what that is and how it pays?\n\nNo. That's okay. So TPD can pay out a lump sum benefit or an income stream in the event that you're diagnosed with a major disability. So say, for example, you can never go back to work again for any occupation for which you're, you know, essentially educated or trained. I'm also just pulling up to make sure that you have that correct definition of your TBD there.\n\nSorry. One second. Do love technology when it wants to work for us. It's taking a second to open up properly. So with your TBD definition, yeah.\n\nIt looks like it is an any occupation, but I'll go back and double. Yeah. It looks okay. So, realistically, TBD compared that lump sum benefit if you're, you know, diagnosed with a major traumatic condition. They compared a lump sum benefit or an income stream.\n\nIf you are, say, fully disabled and not able to ever go back to work again for any reason, TPD you can also release your super. So you you're covered for the same amount of TPD as you are alive. The benefit is 378,034, and then you've also got your super benefit that can be paid out on top of that as well. One\n\nChannel 1: Yep.\n\nChannel 0: of the big things I do like to kind of bring up and just make sure people are aware is that if you are TBD'd, never able to go back to work again, unfortunately, the benefit is taxed. So you could pay if you take the full lump sum, you could pay tax on that benefit amount of up to 22%, which is horrible and should not be a thing. But looking at that benefit amount, are you fairly comfortable with the level of TBD you have? Do you think you would need to maybe have more cover, or what's your thoughts? If you have more questions, you're welcome to let me know, and we can talk it through.\n\nChannel 1: Yeah. I think well, I think for now, I'm gonna be okay. Yeah.\n\nChannel 0: Yeah. It's kinda hard to work out, you know, what level you realistically need because we're getting insurances to protect us in the event that something was to happen. But if you think about the level of cover you have, not factoring in the tax side of things, but if you were to claim on that with the total benefit now your income I have here is about 120,000. Is that right?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. And you're renting where you are. Is that correct?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So if we sort of look at income replacement based on the benefit you have at the moment, and if we divide that by your current income, it would replace income for about four years. Admittedly, it's not a lot, but does your wife work would she also be able to earn income to help supplement you?\n\nChannel 1: No. She doesn't know where.\n\nChannel 0: Okay. So it's just yourself. So, realistically, if you are having to draw that income of a $120,000 per year for expenses, your TPD benefit would last about four years. If for any reason you could sort of last on a little bit less, say, if you're not working and the expenses are a little bit lower, you might be able to essentially live on a smaller income amount. So, say, that divided by, say, $60,000 a year, and that would mean that the benefit total could last about eight years wholly after that point.\n\nIt'd be about whether you could go back to work, whether or not you could, you know, claim on Centrelink and things like that. You also do have income protection, so you can be on an income protection benefit if that's a possibility that time as well. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Did you wanna review the TBD cover, or you're happy with that level for time being, or do you have more questions? If you do, you're welcome to let me know.\n\nChannel 1: Yeah. I'll I'll just leave it for now and then\n\nChannel 0: Yeah.\n\nChannel 1: maybe\n\nChannel 0: That's\n\nChannel 1: okay. We'll get it with\n\nChannel 0: that's\n\nChannel 1: my wife.\n\nChannel 0: yeah. That's absolutely fine. If you like, Malcolm, what I could do after the call is I could send you a little bit of an email breakdown noting a little bit about the life keeping in income protection policies, what they pay, how they cover, and notice a bit about your cover that you have. That way, if you do find you wanna review that or have additional questions, you can let me know. I know going through the review, it is hard to think about what level you might need, and it is a lot to go through the insurance information.\n\nSo you might find later you have additional questions. Does that sound okay?\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Yeah. Beautiful. Now you do also have the income protection benefit here. It currently has a monthly pay benefit payable pretax of nine sorry. 4,977.\n\nIf you were off work due to illness or injury, do you feel like that's appropriate? Do you feel like you would need to sort of reassess that at all?\n\nChannel 1: No.\n\nChannel 0: 7,000. No. That's okay. Looking at your current income based on a 120,000, you are slightly underinsured for income protection. You can always look to increase that to 70%, which is the maximum you can be covered for.\n\nBut\n\nChannel 1: Mhmm.\n\nChannel 0: if you feel like that's an appropriate amount, you're comfortable just leaving it as is for the time being. Is that right?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. That's okay. You've also got a thirty day waiting period, so it just means you need to be off work for thirty days prior to making a claim and a five year benefit. So you just need to be you can be on a claim for up to five years in the event of an income protection claim. Is that\n\nChannel 1: I'm\n\nChannel 0: yeah. Do you have any questions at all so far? No. That's okay. All good.\n\nDo you\n\nChannel 1: not.\n\nChannel 0: have much in the way of sick leave, annual leave, long service leave, other things that you can sort of fall back on at work as well if you're unable to go to work in a shorter term?\n\nChannel 1: Yeah. But lock service.\n\nChannel 0: Long service?\n\nChannel 1: Load service annually. Yeah. Pretty much for quite a bit.\n\nChannel 0: Yeah. Yeah. Beautiful. So you're one of those. You're never sick.\n\nYou go to work, and you bank it all up.\n\nChannel 1: Bank it all up is the one.\n\nChannel 0: Beautiful. Well, thank you so much for clarifying that. As I said, I'll send you an email after the call just clarifying the information around the insurance side of things, and you're\n\nChannel 1: Yep.\n\nChannel 0: welcome to come back and let me know if there are any questions that you have or if you and your wife discover that you might wanna review those levels of cover. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. Beautiful. Now I do have to let you know there are other types of insurances depending on your depending on your circumstances, sorry, that you, you know, may like to look at in the future. You can also get trauma, which pays out a lump sum tax free benefit if you, say, have a heart attack or a stroke or certain neurological conditions. Cancer's probably a big one.\n\nAnd do you have children? I believe you've got a couple of kids. Five children. Wow. How old are they?\n\nChannel 1: They're all adults. Now they're 20\n\nChannel 0: Wow.\n\nChannel 1: seven\n\nChannel 0: Yeah.\n\nChannel 1: 27, 26, 25, 24, and 22.\n\nChannel 0: Wow. They're all grown up. No. Fantastic. Did you wanna look at any additional kind of insurances outside of what you've got to cover you for any gaps in your risk, or you're happy just with the the insurances you've that we've gone through that you currently have?\n\nChannel 1: I'm not yet. I'm not sure. Hold on.\n\nChannel 0: Yep. That's okay. Not a problem at all. Fantastic. We've kinda gone through most things.\n\nThe only other things attached to that email are the sorry. The certificates of currency, which outline a little bit more around the types of cover that you have, the levels of cover that you have with Zurich there as well. These do go through a renewal every year. They do get more expensive over time, but they do also grow in value. So they are indexed along with CPIs.\n\nSo the level of cover you have does increase over time, but the premiums do also increase. So we just wanna review those with with you on a regular basis. And if I kinda go back and find us anything that kinda flags the need to bring forward to you, I'll make sure we come back and have that conversation. Okay? Excellent.\n\nWe've also got the the financial services guide attached with Outline. Everything about who we are, what we do, how we do it, has a lovely glossy photo of me in there, and all of my licensing information as a licensed adviser for you as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: We also do have attached the ongoing service agreement. So to keep us as your servicing adviser and keep us looking after your suit for the insurances and helping you provide advice long term to meet your goals, we do charge an ongoing service fee for doing so. Our ongoing service fee is now a tiered structure, so it starts at 1.65% per annum as it has. And once your balance sets over 200,000, then you drop into the lower tier and the fee drops down to 1.375. So it works in a bit of a tiered structure.\n\nThe newer ongoing service agreements actually outline your fee as a dollar figure instead of just an estimate so that it's giving you more certainty around how much you're likely to pay for our service. So because your balance is still essentially sitting at the 1.65%, we estimate it to be about $1,700 for the year there. And to keep us as your adviser and keep looking after your super and monitoring things and helping you moving forward, I do ask that you sign and return that back after the call for me. Do you have any questions about the fee structure or anything there at all that's come to mind?\n\nChannel 1: Not.\n\nChannel 0: No. That's okay. All good. The only last sort of things to run through is just to make sure that your circumstances look at see if there's any major changes there at all. You've confirmed your income's about 120,000 for the year.\n\nIs that still correct?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. Are you due for a pay rise soon at all?\n\nChannel 1: Yes. We are, actually.\n\nChannel 0: Fantastic. Well, cross your fingers. You get a nice one.\n\nChannel 1: Yeah. I think it's about 7%, I think.\n\nChannel 0: Fantastic. Excellent. Are you yourself and Eileen managing to sort of save much on a weekly or monthly basis out of your income, or are you finding all of your income is going towards the expenses of the household? How do you sort of find things at the moment?\n\nChannel 1: Yeah. Not too bad. We we've been trying to save so we can buy a you know, try and buy a house. But\n\nChannel 0: Oh, fantastic. Yeah. Beautiful. Are you putting a set amount away every week to sort of help with that, or is it just whatever you have available at the end of the week?\n\nChannel 1: yeah. It's sort of just whatever we have available.\n\nChannel 0: Okay. Beautiful. Do you have much in savings at the moment?\n\nChannel 1: Not not not not not much at the moment, but yes.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So we're coming to a bit of a snag at the moment because or the house that we're living in, the the people wanna sell up after bloody fourteen years within that house.\n\nChannel 0: Oh, no. So you're having to try and find something else for the time being.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Oh, oh, I see your wife is house hunting currently. Poor soul. Have you found anything that you like that you're sort of looking to move into for the time being?\n\nChannel 1: Yes. We sort of had we sort of found a few houses, you know, but\n\nChannel 0: Yep.\n\nChannel 1: you kinda just gotta take what what comes, I suppose, until, you know,\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: Yeah. Absolutely. And so that sort of means that some of your savings you've got there for your home deposit will probably have to go towards, like, rental expenses and moving expenses for the time being.\n\nChannel 1: yeah. Yeah. I think\n\nChannel 0: Yeah. Yeah. Well, I'm so sorry to hear that, but, hopefully, your new home is a little bit nicer, and you'll get back into saving again and, hopefully have a deposit to get into a new home in the future.\n\nChannel 1: so. Yep.\n\nChannel 0: Just so you are aware as well, we do also have access to mortgage brokers, which are completely free to yourself. We can refer you across to a mortgage broker when and if you are, you know, wanting to look at servicing capacity and looking at buying a home to see what kind of borrowing capacity\n\nChannel 1: Yep.\n\nChannel 0: you would have based on your expenses, which can definitely help when you are looking at buying a home, what you might be able to purchase the cost and things like that for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Excellent. Just on that savings account, how much do you have sitting in there at the moment?\n\nChannel 1: Yeah. Not a great lot, but I had about 10,000 the last time we hit. But we hit\n\nChannel 0: Okay.\n\nChannel 1: two years, sir.\n\nChannel 0: Yeah. That's okay. That's actually really good. Fantastic. And if you had to quantify your savings, are you managing to sort of put away on average about 1 to 200 on a weekly or monthly basis, or how would you quantify it realistically?\n\nChannel 1: Yeah. Probably, like, maybe, like, 100 a week, sort of.\n\nChannel 0: Yep. Perfect. Fantastic. Excellent. Thank you for updating that.\n\nObviously, down at the moment with you guys trying to save for a home deposit and moving, additional contributions not might not be something you're wanting to look at. But down the track, are you open to maybe considering additional contributions to provide a greater boost to your super for that retirement income stream at 65?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Especially being as, you know, with your wife not working, it looks like your super is gonna be the main retirement income stream that you would have to focus on. Am I right, or does your wife have something to fall back on?\n\nChannel 1: Yeah. No. It's yeah. That's\n\nChannel 0: No.\n\nChannel 1: right.\n\nChannel 0: That's okay. That's okay. It's not a problem. We can certainly look to help you there. I wanna make sure you guys do enjoy your retirement when you get to that point.\n\nYou are still young enough to, you know, to work hard and build that retirement income stream up. I had your goal of 65 for accessing super. Is that still fairly accurate, do you think, or would you be wanting to retire earlier or later or not really sure?\n\nChannel 1: Not really sure at the moment.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay.\n\nChannel 1: I think when I'll know when my body tells me\n\nChannel 0: That's okay. Are you happy with me utilizing\n\nChannel 1: to.\n\nChannel 0: 65 as your goal for the time being, and then we can kinda build on that down the track?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. Excellent. And just I've also noted your goal here that you are looking to purchase your a home in the future there as well. I've\n\nChannel 1: Yep.\n\nChannel 0: also got down here that your assets wise, your cars, they had a combined value of 60,000. If you think about the two vehicles that you have at the moment, would you still value them about that, or would you alter or change that valuation?\n\nChannel 1: I'm not probably still leaving about that.\n\nChannel 0: Yeah. Beautiful. And how much rent are you paying at the moment?\n\nChannel 1: $7.50 a week.\n\nChannel 0: $7.50 per week. Beautiful. Do you both have contents insurance for the contents within the rental home? Not sure.\n\nChannel 1: Okay.\n\nChannel 0: That's okay. That's not a problem at all. Even though you are renting, realistically, contents insurance is something to consider because if something was to happen to the property while the owner needs to obviously factor in the the cost of replacing or rebuilding the home, everything inside the home that you own and pay for is still considered, you know, content and still considered an asset and would need to be replaced, which could be an additional con a cost to yourself. So\n\nChannel 1: Yep.\n\nChannel 0: it is definitely worth looking at maybe having contents insurance to protect everything you guys have and own. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. Do you have any other assets you'd note down? Any other, you know, shares, cryptocurrency, collections, anything else of value?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. Do you have any large debts, personal loans, credit cards, or any other liabilities to kind of note down?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. All good. And the only other thing to sort of consider, sorry, is your estate planning. Sorry.\n\nHave you and your wife ever spoken to a solicitor or talked about drawing up a will at all?\n\nChannel 1: No. Not yet.\n\nChannel 0: No. That's okay. It is definitely worth having the conversation as well, just sort of noting that, you know, your beneficiaries inside Super and your life insurance beneficiaries are there to direct those funds in the event of something happening to you. However, it is also important to consider, you know, what happens to everything else that you own\n\nChannel 1: Yeah.\n\nChannel 0: if you don't have a will in place and you do pass away. It does end up being in test date, which means that the process everything has to kinda go through a probate process. It is a legal process, and, essentially, the legal system decides where those funds go to or what happens to everything.\n\nChannel 1: Yep.\n\nChannel 0: Whilst your wife does tend to get most things, it can also make the process slightly harder because other members of the other members of your family or friends can come forward and stake a claim. There's no guarantees that they'll get anything, but staking a claim can just make the process very hard on your wife in the event of something happening to you. Okay? Excellent. I've got down here that your beneficiaries are Eileen on your super and your insurances.\n\nYou're happy for that a 100% to be paid to her in the event of something occurring?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Happy wife, happy life. Am I right? Excellent. All good.\n\nI'm glad that's all up to date there for you. Now the last thing I wanted to do was just to go through a quick risk profile questionnaire just to sort of gather whether you're invested correctly or not. Realistically, with your agent stage, that high growth environment still suits where you're at, but just wanting to make sure that does suit you personally as well.\n\nChannel 1: Yep.\n\nChannel 0: The first question here is basically asking you about inflation. So how much risk do you consider yourself comfortable to take in order to get higher levels of returns? Are you comfortable taking on a higher level of risk to make sure your returns are outpacing inflation so you can see yourself comfortable taking a moderate or medium amount of risk to keep up have your returns keep up with inflation, or are you only comfortable taking a small amount of risk knowing the returns are lower because of that? How do you think you fit?\n\nChannel 1: May I probably see the second?\n\nChannel 0: The second one? Yep. You can always go in between as well if you're comfortable wanting to do that.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Excellent. The next one here is if you saw your super fall by 20%, how do you think you might react? Are you more inclined to see it as an investment opportunity and put some money into the dip?\n\nAre you likely to hold and wait and call us, or are you a bit concerned and maybe wanting to sell your investments to cash? How do you think you might react?\n\nChannel 1: Probably just like\n\nChannel 0: How do sorry.\n\nChannel 1: The second one, what you see.\n\nChannel 0: Does that yeah. You're right. Give us a call and see what we suggest you do. Good answer. That's what you have us for.\n\nChannel 1: Yep.\n\nChannel 0: And the last one here is have you ever seen your super fall in value? If you have in the past, how do you think that makes you feel? Are you optimistic about the investment opportunities? Are you feeling cautious, concerned, or a bit anxious about the market dipping? How do you think you might feel?\n\nChannel 1: Yeah. Probably, say, seek an answer again, maybe.\n\nChannel 0: Yeah. Absolutely. Perfect. And then the last one is, have you ever considered borrowing for, say, investing in shares or managed funds, or would you only ever borrow property?\n\nChannel 1: Property.\n\nChannel 0: Yep. Are you open to invest buying just your main primary residence down the track, or are you open to having an investment down the track, or what's your sort of thoughts?\n\nChannel 1: Hello. Maybe investment.\n\nChannel 0: Yep. Yep. That's okay. Beautiful. Fantastic.\n\nNow with what you scored there, you have scored as a growth investor. At the moment, we have you in more of that high growth environment, which sees about 90% of your super invested in growth assets. So think about things like Australian and international shares, listed property and commodities, and then the end of 10% in lower risk defensive investments. With where you scored at the moment would see us reduce your risk back a little bit by 10% to see 80% invested in those higher risk investments. Realistically, for your time, your stage, and your time horizon, you absolutely can be in that high growth environment longer.\n\nIt's more about this understanding that that takes on a little bit more risk in the market to get greater potential returns. Realistically, a high growth portfolio, you're wanting to try and average around about eight to 10% on a yearly basis compounding that forward. We do know that you are expecting a negative likely the likelihood of a negative return around about one in every five years, but it does suit your time horizon. You do have more than eight years ahead of you before accessing Super. Did you wanna stay in that high growth environment for longer, or did you wanna look at maybe reducing your risk level back there, Malcolm?\n\nHow do you feel?\n\nChannel 1: No. I don't feel comfortable.\n\nChannel 0: You feel comfortable? Yeah. Absolutely. Not a problem at all. Well, just sort of recapping and moving forward, I'll send you an email after the call just outlining the insurance side of things for you just to give you a bit more clarity there.\n\nWe'll hold on. There's no new advice to sort of worry about currently, but we will sort of catch up in about six months just to kinda review that and see whether new advice is required down the track. We'll sort of watch your soup soup. And now that we've made that switch of the investments for you as well, does that sound okay? Are you comfortable with that?\n\nDid did I miss anything? Is there anything else that you maybe wanted to ask me while you do have me here?\n\nChannel 1: No. Sure. It sounds pretty pretty good to me.\n\nChannel 0: Oh, fantastic. Thank you so much. So when you get an opportunity, if you can sign that annual review pack and grab that back to me, that'd be fabulous. It allows us to continue working as your adviser. I'll\n\nChannel 1: Yes.\n\nChannel 0: put something in my calendar to touch base. And once you get that email, if you do have additional questions around the insurances, please let me know. I can make more time to sort of touch base and and answer those additional questions for you as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Thank you so much for your time. I hope you have a lovely afternoon.\n\nChannel 1: You too. Thank you.\n\nChannel 0: My pleasure. Enjoy your day, Malcolm. Thank you for taking my call. See\n\nChannel 1: Thank\n\nChannel 0: you\n\nChannel 1: you.\n\nChannel 0: later.\n\nChannel 1: Bye bye.\n\nChannel 0: Thanks.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.0486418679356575}],"sentiment":"neutral","sentiment_score":0.0486418679356575,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Hi, Malcolm.","start":2.8,"end":3.52,"sentiment":"neutral","sentiment_score":0.20424607396125793},{"text":"This is Dana from Oakview Financial.","start":3.52,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.2464911291996638},{"text":"How are you today?","start":5.3599997,"end":6.42,"sentiment":"neutral","sentiment_score":0.2913445085287094},{"text":"That's good.","start":8.24,"end":8.8,"sentiment":"positive","sentiment_score":0.6695557534694672},{"text":"I had you booked in to go through your annual review.","start":8.8,"end":10.88,"sentiment":"positive","sentiment_score":0.45848498019305145}],"sentiment":"positive","sentiment_score":0.3774105298519135,"channel":0,"num_words":25,"start":2.8,"end":10.88},{"sentences":[{"text":"Is now still a good time there for you?","start":10.88,"end":12.735,"sentiment":"positive","sentiment_score":0.4132865336206224}],"sentiment":"positive","sentiment_score":0.4132865336206224,"channel":0,"num_words":9,"start":10.88,"end":12.735},{"sentences":[{"text":"Yeah.","start":13.36,"end":13.5199995,"sentiment":"neutral","sentiment_score":0.1076829433441162},{"text":"Hold.","start":13.5199995,"end":13.84,"sentiment":"neutral","sentiment_score":0.08206067979335785},{"text":"Yep.","start":13.84,"end":14.34,"sentiment":"neutral","sentiment_score":0.0714469850063324}],"sentiment":"neutral","sentiment_score":0.08706353604793549,"channel":1,"num_words":3,"start":13.36,"end":14.34},{"sentences":[{"text":"Yeah.","start":15.054999,"end":15.455,"sentiment":"neutral","sentiment_score":0.096053808927536},{"text":"Oh, good.","start":15.455,"end":16.015,"sentiment":"neutral","sentiment_score":0.18285532295703888},{"text":"I'm so sorry.","start":16.015,"end":16.994999,"sentiment":"neutral","sentiment_score":-0.031632418860681355},{"text":"Did you need a second to I do apologize.","start":17.135,"end":20.275,"sentiment":"neutral","sentiment_score":-0.08068808168172836}],"sentiment":"neutral","sentiment_score":-0.02395503579173237,"channel":0,"num_words":15,"start":15.054999,"end":20.275},{"sentences":[{"text":"No.","start":20.835,"end":21.154999,"sentiment":"neutral","sentiment_score":-0.09732759743928908},{"text":"No.","start":21.154999,"end":21.235,"sentiment":"neutral","sentiment_score":-0.10292809456586838},{"text":"No.","start":21.235,"end":21.475,"sentiment":"neutral","sentiment_score":-0.08475543558597565},{"text":"All good.","start":21.475,"end":22.215,"sentiment":"neutral","sentiment_score":0.04284939728677273}],"sentiment":"neutral","sentiment_score":-0.039862466603517534,"channel":1,"num_words":5,"start":20.835,"end":22.215},{"sentences":[{"text":"Oh, good.","start":22.414999,"end":23.055,"sentiment":"neutral","sentiment_score":0.30998852849006653},{"text":"Fantastic.","start":23.055,"end":23.555,"sentiment":"positive","sentiment_score":0.5674246549606323},{"text":"Before we jump into the call then, Malcolm, just to let you know, we do record our calls for quality and training purposes.","start":23.935,"end":28.720001,"sentiment":"neutral","sentiment_score":0.203084880243177},{"text":"Are you happy for me to proceed with that?","start":28.720001,"end":30.74,"sentiment":"neutral","sentiment_score":0.21824154920048183}],"sentiment":"neutral","sentiment_score":0.22350079715251922,"channel":0,"num_words":35,"start":22.414999,"end":30.74},{"sentences":[{"text":"Yep.","start":31.04,"end":31.52,"sentiment":"neutral","sentiment_score":0.1371287852525711},{"text":"Three days.","start":31.52,"end":32.260002,"sentiment":"neutral","sentiment_score":0.18207744508981705}],"sentiment":"neutral","sentiment_score":0.16709455847740173,"channel":1,"num_words":3,"start":31.04,"end":32.260002},{"sentences":[{"text":"Fan fantastic.","start":32.24,"end":33.54,"sentiment":"positive","sentiment_score":0.6808364391326904},{"text":"And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":33.6,"end":39.62,"sentiment":"neutral","sentiment_score":0.24489086320002873}],"sentiment":"neutral","sentiment_score":0.2721374616958201,"channel":0,"num_words":32,"start":32.24,"end":39.62},{"sentences":[{"text":"Malcolm Davis.","start":40.684998,"end":41.664997,"sentiment":"neutral","sentiment_score":0.03615643363445997},{"text":"6","start":42.285,"end":42.524998,"sentiment":"neutral","sentiment_score":0.02438865229487419}],"sentiment":"neutral","sentiment_score":0.032233839854598045,"channel":1,"num_words":3,"start":40.684998,"end":42.524998},{"sentences":[{"text":"Yep.","start":42.32,"end":42.705,"sentiment":"neutral","sentiment_score":0.04412375018000603}],"sentiment":"neutral","sentiment_score":0.04412375018000603,"channel":0,"num_words":1,"start":42.32,"end":42.705},{"sentences":[{"text":"o'clock nineteen ninety.","start":42.524998,"end":43.905,"sentiment":"neutral","sentiment_score":0.052246530850728355}],"sentiment":"neutral","sentiment_score":0.052246530850728355,"channel":1,"num_words":3,"start":42.524998,"end":43.905},{"sentences":[{"text":"Yep.","start":44.625,"end":45.125,"sentiment":"neutral","sentiment_score":0.03463093191385269}],"sentiment":"neutral","sentiment_score":0.03463093191385269,"channel":0,"num_words":1,"start":44.625,"end":45.125},{"sentences":[{"text":"43 Kelly Andrew Lane, Farfetch.","start":45.004997,"end":47.024998,"sentiment":"neutral","sentiment_score":0.03626695722341537}],"sentiment":"neutral","sentiment_score":0.03626695722341537,"channel":1,"num_words":5,"start":45.004997,"end":47.024998},{"sentences":[{"text":"Legend.","start":47.745003,"end":48.245003,"sentiment":"neutral","sentiment_score":0.18888573348522184},{"text":"Thank you so much for that.","start":48.305,"end":49.845,"sentiment":"positive","sentiment_score":0.6051943600177765},{"text":"Malcolm, as part of your annual review, we do normally send through some documents to you so you can look at them as I'm going through things.","start":49.905003,"end":56.165,"sentiment":"neutral","sentiment_score":0.1757828656721998},{"text":"Are you able to look at your emails?","start":56.82,"end":58.5,"sentiment":"neutral","sentiment_score":0.03531097760424018},{"text":"If you can't, that's okay.","start":58.5,"end":59.8,"sentiment":"neutral","sentiment_score":-0.015511879324913025}],"sentiment":"neutral","sentiment_score":0.18661952533937515,"channel":0,"num_words":47,"start":47.745003,"end":59.8},{"sentences":[{"text":"Yep.","start":60.760002,"end":61.260002,"sentiment":"neutral","sentiment_score":0.0457054004073143},{"text":"Give me a sec.","start":61.72,"end":62.7,"sentiment":"neutral","sentiment_score":0.03322783671319485}],"sentiment":"neutral","sentiment_score":0.035723349452018736,"channel":1,"num_words":5,"start":60.760002,"end":62.7},{"sentences":[{"text":"Yeah.","start":62.260002,"end":62.760002,"sentiment":"neutral","sentiment_score":0.08101355284452438},{"text":"You're right.","start":63.3,"end":63.86,"sentiment":"neutral","sentiment_score":0.12880632653832436},{"text":"I'm just gonna press send on this one and send it to you there now.","start":63.86,"end":67.0,"sentiment":"neutral","sentiment_score":0.1319462810953458},{"text":"Beautiful.","start":67.06,"end":67.56,"sentiment":"positive","sentiment_score":0.44638481736183167},{"text":"How's your day been so far?","start":67.62,"end":69.24,"sentiment":"neutral","sentiment_score":0.2767480711142222}],"sentiment":"neutral","sentiment_score":0.176987746655941,"channel":0,"num_words":25,"start":62.260002,"end":69.24},{"sentences":[{"text":"Pretty quiet.","start":72.315,"end":73.055,"sentiment":"neutral","sentiment_score":0.05562474951148033},{"text":"I said work, but, yeah, it's been pretty quiet.","start":73.275,"end":75.455,"sentiment":"neutral","sentiment_score":0.015132060791883204}],"sentiment":"neutral","sentiment_score":0.022494367831809955,"channel":1,"num_words":11,"start":72.315,"end":75.455},{"sentences":[{"text":"Yeah.","start":75.945,"end":76.445,"sentiment":"neutral","sentiment_score":0.04506386071443558},{"text":"I mean, quiet.","start":76.505,"end":77.225,"sentiment":"neutral","sentiment_score":0.021481891473134358},{"text":"It's probably not a bad thing sometimes.","start":77.225,"end":78.924995,"sentiment":"neutral","sentiment_score":0.02119618361549718}],"sentiment":"neutral","sentiment_score":0.02344389276748354,"channel":0,"num_words":11,"start":75.945,"end":78.924995},{"sentences":[{"text":"Yeah.","start":79.915,"end":80.235,"sentiment":"neutral","sentiment_score":0.07277284562587738},{"text":"Yeah.","start":80.235,"end":80.735,"sentiment":"neutral","sentiment_score":0.07902881503105164},{"text":"Okay.","start":83.98,"end":84.48,"sentiment":"neutral","sentiment_score":0.10797902941703796}],"sentiment":"neutral","sentiment_score":0.086593563357989,"channel":1,"num_words":3,"start":79.915,"end":84.48},{"sentences":[{"text":"Alright.","start":84.31,"end":84.81,"sentiment":"neutral","sentiment_score":0.2280217409133911},{"text":"Perfect.","start":85.59,"end":86.09,"sentiment":"positive","sentiment_score":0.4069942831993103},{"text":"I've sent that one through to you there.","start":86.549995,"end":88.409996,"sentiment":"neutral","sentiment_score":0.2789241410791874},{"text":"Now it should come through from Odoo sign, or it should have my name and email there.","start":98.16499,"end":103.44499,"sentiment":"neutral","sentiment_score":0.2050232229863896},{"text":"So dana@opfinancial.","start":103.44499,"end":105.064995,"sentiment":"neutral","sentiment_score":0.11146010085940361}],"sentiment":"neutral","sentiment_score":0.22671462569771142,"channel":0,"num_words":29,"start":84.31,"end":105.064995},{"sentences":[{"text":"Yeah.","start":105.795,"end":106.295,"sentiment":"neutral","sentiment_score":0.10236521065235138},{"text":"I'll I'll I'll I'll open it up.","start":106.355,"end":107.97,"sentiment":"neutral","sentiment_score":0.11414717031376702}],"sentiment":"neutral","sentiment_score":0.11267442535609007,"channel":1,"num_words":8,"start":105.795,"end":107.97},{"sentences":[{"text":"Got it.","start":108.0,"end":108.72,"sentiment":"neutral","sentiment_score":0.19918930530548096},{"text":"Oh, fantastic.","start":108.72,"end":109.54,"sentiment":"positive","sentiment_score":0.45583006739616394},{"text":"Excellent.","start":109.92,"end":110.4,"sentiment":"positive","sentiment_score":0.4133268594741822},{"text":"So when you open it up, you just press the little sign button so it takes you through so you can review the documents there.","start":110.4,"end":116.020004,"sentiment":"neutral","sentiment_score":0.22761425375938416},{"text":"But","start":116.48,"end":116.72,"sentiment":"neutral","sentiment_score":0.03285196051001549}],"sentiment":"neutral","sentiment_score":0.2402120615926481,"channel":0,"num_words":31,"start":108.0,"end":116.72},{"sentences":[{"text":"Mhmm.","start":116.53,"end":117.03,"sentiment":"neutral","sentiment_score":-0.017479686066508293}],"sentiment":"neutral","sentiment_score":-0.017479686066508293,"channel":1,"num_words":1,"start":116.53,"end":117.03},{"sentences":[{"text":"I'll never ask you to sign them until you're happy and that you've gone through them.","start":116.72,"end":120.16,"sentiment":"neutral","sentiment_score":0.05040546949021518},{"text":"I'll make sure you go through them first.","start":120.16,"end":122.32,"sentiment":"neutral","sentiment_score":0.09990263916552067},{"text":"Okay?","start":122.32,"end":122.82,"sentiment":"neutral","sentiment_score":0.07168979942798615}],"sentiment":"neutral","sentiment_score":0.06709593698382378,"channel":0,"num_words":25,"start":116.72,"end":122.82},{"sentences":[{"text":"Yep.","start":123.525,"end":124.025,"sentiment":"neutral","sentiment_score":0.31343895196914673}],"sentiment":"neutral","sentiment_score":0.31343895196914673,"channel":1,"num_words":1,"start":123.525,"end":124.025},{"sentences":[{"text":"Excellent.","start":124.615005,"end":125.095,"sentiment":"positive","sentiment_score":0.6685891151428223},{"text":"Now the first document you should see there is a summary of superannuation and insurances as of the August 19 there.","start":125.095,"end":131.015,"sentiment":"positive","sentiment_score":0.3389350126187007},{"text":"So it does have an updated balance, your balance in super.","start":131.015,"end":134.455,"sentiment":"positive","sentiment_score":0.3872939808802171},{"text":"And when I look back to the last annual review you completed with us, essentially, your balance then was sitting at 93,504 and 57¢.","start":134.455,"end":143.11,"sentiment":"neutral","sentiment_score":0.2774568783200305},{"text":"Your balance is now up to over a 103,422 and 6¢ there.","start":143.48999,"end":148.37,"sentiment":"positive","sentiment_score":0.4322657964446328}],"sentiment":"positive","sentiment_score":0.3460132855532774,"channel":0,"num_words":69,"start":124.615005,"end":148.37},{"sentences":[{"text":"So we have seen a bit of an increase within your super, which is good to see.","start":148.37,"end":152.06999,"sentiment":"positive","sentiment_score":0.597215448232258}],"sentiment":"positive","sentiment_score":0.597215448232258,"channel":0,"num_words":17,"start":148.37,"end":152.06999},{"sentences":[{"text":"Yes.","start":152.625,"end":153.125,"sentiment":"neutral","sentiment_score":0.21017107367515564}],"sentiment":"neutral","sentiment_score":0.21017107367515564,"channel":1,"num_words":1,"start":152.625,"end":153.125},{"sentences":[{"text":"Yeah.","start":153.735,"end":154.235,"sentiment":"neutral","sentiment_score":0.2527177631855011},{"text":"The next page, if you click the next button or it should be a little button at the top that allows you to go to the next document, you have the asset performance detail report there.","start":154.455,"end":164.13501,"sentiment":"neutral","sentiment_score":0.14055934362113476},{"text":"That's your portfolio report for your Netwealth Superfund.","start":164.13501,"end":167.23999,"sentiment":"neutral","sentiment_score":0.13557838182896376},{"text":"Can you see that one?","start":167.37999,"end":168.68,"sentiment":"neutral","sentiment_score":0.06974434182047844}],"sentiment":"neutral","sentiment_score":0.1349240579456091,"channel":0,"num_words":50,"start":153.735,"end":168.68},{"sentences":[{"text":"Yep.","start":169.31999,"end":169.81999,"sentiment":"neutral","sentiment_score":0.13169118762016296}],"sentiment":"neutral","sentiment_score":0.13169118762016296,"channel":1,"num_words":1,"start":169.31999,"end":169.81999},{"sentences":[{"text":"Yeah.","start":170.34,"end":170.73999,"sentiment":"positive","sentiment_score":0.407318115234375},{"text":"Fantastic.","start":170.73999,"end":171.23999,"sentiment":"positive","sentiment_score":0.42584943771362305},{"text":"So with this one here, it is showing you on the second page how your portfolio has performed.","start":172.01999,"end":176.59999,"sentiment":"positive","sentiment_score":0.3537555932998657},{"text":"Now this year, there has been a lot of ups and downs in the market with everything that's been going on, especially with The US and the Iran war.","start":176.65999,"end":183.095,"sentiment":"neutral","sentiment_score":-0.03361525296651084},{"text":"But then here in Australia, we've also had high inflationary rates there.","start":183.095,"end":187.515,"sentiment":"neutral","sentiment_score":0.06776340523113807}],"sentiment":"neutral","sentiment_score":0.1153948649031217,"channel":0,"num_words":61,"start":170.34,"end":187.515},{"sentences":[{"text":"Your portfolio has essentially shown it has a positive return, net of fees.","start":187.895,"end":191.975,"sentiment":"positive","sentiment_score":0.3918262238685901},{"text":"So after all fees have been taken into account, you've made 5.28%.","start":191.975,"end":196.88,"sentiment":"neutral","sentiment_score":0.26054328059156734},{"text":"So it is a little bit little bit lower of a return than what we would like to see for the high growth environment, but it is understandable that some years we do get those lower returns with the market ups and downs and the volatility that we have certainly seen, but you have come out with a positive return.","start":196.94,"end":212.055,"sentiment":"neutral","sentiment_score":0.1551871228342255},{"text":"The other thing I wanted to show you was if you go to the first page of that document there and you look at the sorry.","start":212.75499,"end":221.075,"sentiment":"neutral","sentiment_score":0.028963422832580712},{"text":"The side of this the on my side is the left hand side of the document.","start":221.075,"end":225.75,"sentiment":"neutral","sentiment_score":0.03455117088742554}],"sentiment":"neutral","sentiment_score":0.14832563287629855,"channel":0,"num_words":127,"start":187.895,"end":225.75},{"sentences":[{"text":"You'll see you've got cash, alternative investments, and Australian equities as the blue heading.","start":225.75,"end":231.51,"sentiment":"neutral","sentiment_score":0.07798769700873111},{"text":"Can you see those headings there?","start":231.51,"end":233.20999,"sentiment":"neutral","sentiment_score":0.007035187911242247}],"sentiment":"neutral","sentiment_score":0.056701944279484454,"channel":0,"num_words":20,"start":225.75,"end":233.20999},{"sentences":[{"text":"You said the first price or","start":234.585,"end":236.365,"sentiment":"neutral","sentiment_score":0.0021803356163824597}],"sentiment":"neutral","sentiment_score":0.0021803356163824597,"channel":1,"num_words":6,"start":234.585,"end":236.365},{"sentences":[{"text":"Yeah.","start":236.625,"end":236.86499,"sentiment":"neutral","sentiment_score":0.023149902001023293},{"text":"The first page of the asset performance detail report.","start":236.86499,"end":240.08499,"sentiment":"neutral","sentiment_score":0.025451870014270146},{"text":"Yeah.","start":240.22499,"end":240.72499,"sentiment":"neutral","sentiment_score":0.06498120725154877},{"text":"That's okay.","start":242.94499,"end":243.92499,"sentiment":"neutral","sentiment_score":0.151865616440773}],"sentiment":"neutral","sentiment_score":0.04776378248173457,"channel":0,"num_words":13,"start":236.625,"end":243.92499},{"sentences":[{"text":"oh, yes.","start":246.02501,"end":247.30501,"sentiment":"neutral","sentiment_score":0.14466342329978943},{"text":"I can.","start":247.30501,"end":247.96501,"sentiment":"neutral","sentiment_score":0.12128856405615807}],"sentiment":"neutral","sentiment_score":0.13297599367797375,"channel":1,"num_words":4,"start":246.02501,"end":247.96501},{"sentences":[{"text":"That's the one?","start":248.70499,"end":249.685,"sentiment":"neutral","sentiment_score":0.1483552853266398},{"text":"Beautiful.","start":250.68001,"end":251.18001,"sentiment":"positive","sentiment_score":0.6476901769638062},{"text":"So you've got three different investments noted there.","start":251.56,"end":254.04001,"sentiment":"neutral","sentiment_score":0.11459802929311991},{"text":"One of them is the Bennelong Australian Equities Fund.","start":254.04001,"end":256.6,"sentiment":"neutral","sentiment_score":0.09254215078221427},{"text":"The other is the BetaShares Australian 200 ETF, and then you've also got the BetaShares Raffi Australia 200 ETF","start":256.6,"end":264.12,"sentiment":"neutral","sentiment_score":0.05832645061768984}],"sentiment":"neutral","sentiment_score":0.098765554651618,"channel":0,"num_words":40,"start":248.70499,"end":264.12},{"sentences":[{"text":"Yep.","start":263.665,"end":264.165,"sentiment":"neutral","sentiment_score":0.10228043794631958}],"sentiment":"neutral","sentiment_score":0.10228043794631958,"channel":1,"num_words":1,"start":263.665,"end":264.165},{"sentences":[{"text":"there as well.","start":264.12,"end":265.02,"sentiment":"neutral","sentiment_score":0.09293846786022186},{"text":"Essentially, with the Bana Long one, if you look at the very last column, you actually see that we have sold that one completely out.","start":266.26498,"end":272.185,"sentiment":"neutral","sentiment_score":-0.028363519348204136},{"text":"So that investment was also underperforming within your super over the last few months there.","start":272.185,"end":277.145,"sentiment":"neutral","sentiment_score":-0.32984518110752103},{"text":"So as soon as we did notice that early this year, we had removed that from your portfolio.","start":277.145,"end":281.83,"sentiment":"neutral","sentiment_score":-0.27397802223761875},{"text":"We had originally sent a record of advice to you in email back in March.","start":282.53,"end":286.61,"sentiment":"neutral","sentiment_score":-0.05637810863554478}],"sentiment":"neutral","sentiment_score":-0.14677929377036267,"channel":0,"num_words":76,"start":264.12,"end":286.61},{"sentences":[{"text":"Do you remember seeing that email there at all?","start":286.61,"end":289.11,"sentiment":"neutral","sentiment_score":-0.027981053623888228}],"sentiment":"neutral","sentiment_score":-0.027981053623888228,"channel":0,"num_words":9,"start":286.61,"end":289.11},{"sentences":[{"text":"Probably did, but, yeah, I'm","start":290.1,"end":292.905,"sentiment":"neutral","sentiment_score":-0.004029146954417228}],"sentiment":"neutral","sentiment_score":-0.004029146954417228,"channel":1,"num_words":5,"start":290.1,"end":292.905},{"sentences":[{"text":"That's","start":292.785,"end":293.185,"sentiment":"neutral","sentiment_score":0.028288643807172775}],"sentiment":"neutral","sentiment_score":0.028288643807172775,"channel":0,"num_words":1,"start":292.785,"end":293.185},{"sentences":[{"text":"Henry.","start":292.905,"end":293.405,"sentiment":"neutral","sentiment_score":0.021636709570884705}],"sentiment":"neutral","sentiment_score":0.021636709570884705,"channel":1,"num_words":1,"start":292.905,"end":293.405},{"sentences":[{"text":"okay.","start":293.185,"end":293.685,"sentiment":"neutral","sentiment_score":0.06212860345840454},{"text":"Life gets very busy.","start":295.82498,"end":297.10498,"sentiment":"neutral","sentiment_score":-0.0186250451952219},{"text":"It's honestly not a problem.","start":297.10498,"end":298.465,"sentiment":"neutral","sentiment_score":0.18053509742021562},{"text":"That's why I wanted to make sure I brought it up with you.","start":298.465,"end":300.945,"sentiment":"neutral","sentiment_score":0.16431957082106516},{"text":"It's all good.","start":300.945,"end":301.925,"sentiment":"positive","sentiment_score":0.5708860655625662}],"sentiment":"neutral","sentiment_score":0.1822737125823131,"channel":0,"num_words":26,"start":293.185,"end":301.925},{"sentences":[{"text":"We sent that email back in March to let you know we had been looking at the investments and had noticed that this was an underperforming fund, so we wanted to remove that out of your portfolio.","start":302.305,"end":311.18,"sentiment":"neutral","sentiment_score":-0.11201115214341395},{"text":"It is important that we review portfolios regularly because investors that worked a couple of years ago might not be working now, and different investments need to be switched out and changed as you work towards your long term goals of retirement there.","start":311.88,"end":324.385,"sentiment":"neutral","sentiment_score":-0.1308448581501495},{"text":"So we actually removed the Benelon Australian Equities, and we replaced it with the BetaShares a 200.","start":324.605,"end":330.625,"sentiment":"neutral","sentiment_score":-0.017460123690612176},{"text":"One of the biggest chain reasons for making the change were partly because of the underperformance of Bennelong.","start":331.52,"end":336.9,"sentiment":"neutral","sentiment_score":-0.2169749206966824},{"text":"But Bennelong is more of an actively managed fund, and the fund manager hasn't been able to outperform against the market.","start":337.28,"end":342.97998,"sentiment":"neutral","sentiment_score":-0.29487096624714987}],"sentiment":"neutral","sentiment_score":-0.1482750183546587,"channel":0,"num_words":136,"start":302.305,"end":342.97998},{"sentences":[{"text":"So it's not been doing very well.","start":343.03998,"end":345.53998,"sentiment":"negative","sentiment_score":-0.4656119006020682},{"text":"Bennelong also generally holds between 15 to 25 different companies within that investment option.","start":345.91498,"end":352.095,"sentiment":"neutral","sentiment_score":-0.11092289377536092},{"text":"So we've replaced it with the BetaShares a 200, which is giving you exposure to the top 200 companies on the ASX.","start":352.235,"end":358.97498,"sentiment":"neutral","sentiment_score":0.10676255652850325},{"text":"So that is essentially tracking the top 200 companies.","start":359.82,"end":362.54,"sentiment":"neutral","sentiment_score":0.1770729480518235},{"text":"So it's helping to lower the risk level of your portfolio and providing greater diversification.","start":362.54,"end":367.28,"sentiment":"positive","sentiment_score":0.35587579011917114}],"sentiment":"neutral","sentiment_score":0.06669202702703761,"channel":0,"num_words":67,"start":343.03998,"end":367.28},{"sentences":[{"text":"So diversification is making sure you're spreading your risk level across lots of different companies, different industries, and different asset classes as well as different countries there as well.","start":367.82,"end":377.29498,"sentiment":"neutral","sentiment_score":0.2682891657640194},{"text":"So it has worked out really well.","start":377.29498,"end":379.85498,"sentiment":"positive","sentiment_score":0.6806540531771523},{"text":"And since we made that change in the last three months, we have seen a 6% return net of fees for your portfolio in that three month period there.","start":379.85498,"end":389.29498,"sentiment":"positive","sentiment_score":0.4890936109526404},{"text":"So it has definitely been working.","start":389.29498,"end":391.42,"sentiment":"positive","sentiment_score":0.680532972017924},{"text":"Your portfolio has recovered from that, and it's about building on that moving forward there for you.","start":391.42,"end":397.26,"sentiment":"positive","sentiment_score":0.5585752006839303}],"sentiment":"positive","sentiment_score":0.4580415356904268,"channel":0,"num_words":88,"start":367.82,"end":397.26},{"sentences":[{"text":"Do you have any questions about any of that thus far?","start":397.58002,"end":400.4,"sentiment":"neutral","sentiment_score":0.08618702468546954}],"sentiment":"neutral","sentiment_score":0.08618702468546954,"channel":0,"num_words":11,"start":397.58002,"end":400.4},{"sentences":[{"text":"Alright.","start":401.10498,"end":401.425,"sentiment":"neutral","sentiment_score":0.08053997159004211},{"text":"It just sounds good to","start":401.425,"end":402.465,"sentiment":"neutral","sentiment_score":0.07834555208683014}],"sentiment":"neutral","sentiment_score":0.0787112886706988,"channel":1,"num_words":6,"start":401.10498,"end":402.465},{"sentences":[{"text":"No?","start":402.38,"end":402.88,"sentiment":"neutral","sentiment_score":0.025791268795728683}],"sentiment":"neutral","sentiment_score":0.025791268795728683,"channel":0,"num_words":1,"start":402.38,"end":402.88},{"sentences":[{"text":"me.","start":402.465,"end":402.965,"sentiment":"neutral","sentiment_score":0.05597497895359993}],"sentiment":"neutral","sentiment_score":0.05597497895359993,"channel":1,"num_words":1,"start":402.465,"end":402.965},{"sentences":[{"text":"Yeah.","start":403.26,"end":403.76,"sentiment":"neutral","sentiment_score":0.1723637580871582},{"text":"Fantastic.","start":403.98,"end":404.48,"sentiment":"positive","sentiment_score":0.3693257570266723},{"text":"Excellent.","start":405.355,"end":405.595,"sentiment":"neutral","sentiment_score":0.33298105001449585},{"text":"So, look, it has I wanna keep sort of monitoring things there for you because we have just made this change to your portfolio.","start":405.595,"end":411.61502,"sentiment":"neutral","sentiment_score":0.18000206227103868},{"text":"Depending on how the rest of the review goes, I definitely wanna maybe catch up in about six months with you just to see how things are tracking and look at whether we need to update any advice then for you and maybe update the portfolio as well.","start":412.315,"end":424.73,"sentiment":"neutral","sentiment_score":0.11563154868781567}],"sentiment":"neutral","sentiment_score":0.14326712528864544,"channel":0,"num_words":75,"start":403.26,"end":424.73},{"sentences":[{"text":"Does that sound okay?","start":424.73,"end":425.95,"sentiment":"neutral","sentiment_score":0.10299862921237946}],"sentiment":"neutral","sentiment_score":0.10299862921237946,"channel":0,"num_words":4,"start":424.73,"end":425.95},{"sentences":[{"text":"Yep.","start":426.265,"end":426.505,"sentiment":"neutral","sentiment_score":0.067901611328125},{"text":"That's fine.","start":426.505,"end":427.405,"sentiment":"neutral","sentiment_score":0.11067311465740204}],"sentiment":"neutral","sentiment_score":0.09641594688097636,"channel":1,"num_words":3,"start":426.265,"end":427.405},{"sentences":[{"text":"Yeah.","start":427.69,"end":428.17,"sentiment":"neutral","sentiment_score":0.22079966962337497},{"text":"Fantastic.","start":428.17,"end":428.67,"sentiment":"positive","sentiment_score":0.4749086499214173},{"text":"Excellent.","start":429.05002,"end":429.55002,"sentiment":"positive","sentiment_score":0.42588531970977783},{"text":"Excellent.","start":429.69,"end":430.19,"sentiment":"positive","sentiment_score":0.3687627911567688},{"text":"Then on the first page, which had your summary of superannuation and insurances, I'm just referring to the insurance side of things there now.","start":431.13,"end":439.015,"sentiment":"neutral","sentiment_score":0.10076813337703545}],"sentiment":"neutral","sentiment_score":0.1395997011235782,"channel":0,"num_words":28,"start":427.69,"end":439.015},{"sentences":[{"text":"So you do also have your Zurich insurance policy, which is paid from your super fund.","start":439.015,"end":443.83502,"sentiment":"neutral","sentiment_score":0.07967345393262804},{"text":"Your","start":444.215,"end":444.535,"sentiment":"neutral","sentiment_score":0.045477427542209625}],"sentiment":"neutral","sentiment_score":0.07766192296848577,"channel":0,"num_words":17,"start":439.015,"end":444.535},{"sentences":[{"text":"Okay.","start":444.28,"end":444.78,"sentiment":"neutral","sentiment_score":0.07437571883201599}],"sentiment":"neutral","sentiment_score":0.07437571883201599,"channel":1,"num_words":1,"start":444.28,"end":444.78},{"sentences":[{"text":"life cover that you're covered for at the moment has a benefit of 378,034.","start":444.535,"end":450.72,"sentiment":"neutral","sentiment_score":0.07857756742409297},{"text":"So if we think about the theoretical side around the life cover, if you were to, say, pass away today, your your partner, I believe, we've got Eileen as your beneficiary there.","start":450.72,"end":463.575,"sentiment":"neutral","sentiment_score":0.06603856611764058},{"text":"She could receive your life benefit of 378,000, but then also your super is paid out on top of that, so the extra 103,000 there.","start":463.89502,"end":472.475,"sentiment":"neutral","sentiment_score":0.10798123866319656},{"text":"I'll just add it all together for you to give you a total.","start":472.935,"end":475.915,"sentiment":"neutral","sentiment_score":0.12815614503163558},{"text":"Three, four.","start":477.3,"end":478.04,"sentiment":"neutral","sentiment_score":0.052558306604623795}],"sentiment":"neutral","sentiment_score":0.08934880842909564,"channel":0,"num_words":86,"start":444.535,"end":478.04},{"sentences":[{"text":"It's worth that to be between the two.","start":478.41998,"end":480.34,"sentiment":"neutral","sentiment_score":0.0733000161126256},{"text":"About 481,456 that could be paid out as a life benefit.","start":480.34,"end":485.8,"sentiment":"neutral","sentiment_score":0.0319220611656254},{"text":"Between","start":486.41998,"end":486.9,"sentiment":"neutral","sentiment_score":0.067789725959301}],"sentiment":"neutral","sentiment_score":0.05026662638410926,"channel":0,"num_words":20,"start":478.41998,"end":486.9},{"sentences":[{"text":"Yep.","start":486.785,"end":487.285,"sentiment":"neutral","sentiment_score":0.0959922894835472}],"sentiment":"neutral","sentiment_score":0.0959922894835472,"channel":1,"num_words":1,"start":486.785,"end":487.285},{"sentences":[{"text":"your life insurance and your sleeper, does that feel comfortable for you?","start":486.9,"end":490.815,"sentiment":"neutral","sentiment_score":0.10474892395238082},{"text":"Did you wanna review that amount, or what's your thought?","start":490.815,"end":494.035,"sentiment":"neutral","sentiment_score":0.029028951562941073}],"sentiment":"neutral","sentiment_score":0.07033075468445366,"channel":0,"num_words":22,"start":486.9,"end":494.035},{"sentences":[{"text":"No.","start":494.63998,"end":494.96,"sentiment":"neutral","sentiment_score":-0.1658635437488556},{"text":"It's such a that's okay.","start":494.96,"end":496.74,"sentiment":"neutral","sentiment_score":-0.0003884641453623772}],"sentiment":"neutral","sentiment_score":-0.027967644079277914,"channel":1,"num_words":6,"start":494.63998,"end":496.74},{"sentences":[{"text":"That's okay?","start":497.295,"end":498.115,"sentiment":"neutral","sentiment_score":0.15247608721256256},{"text":"Beautiful.","start":498.255,"end":498.755,"sentiment":"positive","sentiment_score":0.6363812685012817},{"text":"Excellent.","start":498.975,"end":499.475,"sentiment":"positive","sentiment_score":0.6421314477920532},{"text":"And you've also got some total permanent disability cover, so TPD.","start":500.015,"end":505.69,"sentiment":"neutral","sentiment_score":0.19196425987915558},{"text":"Do you understand how TPD insurance works and what that is and how it pays?","start":506.39,"end":508.49,"sentiment":"neutral","sentiment_score":0.04910819803675016}],"sentiment":"neutral","sentiment_score":0.14772315733134747,"channel":0,"num_words":30,"start":497.295,"end":508.49},{"sentences":[{"text":"No.","start":511.27002,"end":511.51,"sentiment":"neutral","sentiment_score":-0.06760060042142868},{"text":"That's okay.","start":511.51,"end":512.31,"sentiment":"neutral","sentiment_score":0.016635549254715446},{"text":"So TPD can pay out a lump sum benefit or an income stream in the event that you're diagnosed with a major disability.","start":512.31,"end":519.22504,"sentiment":"neutral","sentiment_score":0.045265057610104915},{"text":"So say, for example, you can never go back to work again for any occupation for which you're, you know, essentially educated or trained.","start":519.60504,"end":527.625,"sentiment":"neutral","sentiment_score":0.006263775518164039},{"text":"I'm also just pulling up to make sure that you have that correct definition of your TBD there.","start":527.765,"end":532.585,"sentiment":"neutral","sentiment_score":-0.01960699301626947}],"sentiment":"neutral","sentiment_score":0.011826052371522082,"channel":0,"num_words":68,"start":511.27002,"end":532.585},{"sentences":[{"text":"Sorry.","start":533.76,"end":534.0,"sentiment":"neutral","sentiment_score":-0.09312479943037032},{"text":"One second.","start":534.0,"end":534.82,"sentiment":"neutral","sentiment_score":-0.05943005532026291},{"text":"Do love technology when it wants to work for us.","start":536.16,"end":538.48,"sentiment":"neutral","sentiment_score":0.07560110427439212},{"text":"It's taking a second to open up properly.","start":538.48,"end":540.5,"sentiment":"neutral","sentiment_score":-0.009718412533402443},{"text":"So with your TBD definition, yeah.","start":541.68,"end":552.22504,"sentiment":"neutral","sentiment_score":0.015037238908310732}],"sentiment":"neutral","sentiment_score":0.02061119503169148,"channel":0,"num_words":27,"start":533.76,"end":552.22504},{"sentences":[{"text":"It looks like it is an any occupation, but I'll go back and double.","start":553.965,"end":558.465,"sentiment":"neutral","sentiment_score":-0.005954361520707607},{"text":"Yeah.","start":559.95,"end":560.45,"sentiment":"neutral","sentiment_score":0.106292262673378},{"text":"It looks okay.","start":560.59,"end":561.31,"sentiment":"neutral","sentiment_score":0.14064042766888937},{"text":"So, realistically, TBD compared that lump sum benefit if you're, you know, diagnosed with a major traumatic condition.","start":561.31,"end":568.45,"sentiment":"neutral","sentiment_score":-0.0113872897086872},{"text":"They compared a lump sum benefit or an income stream.","start":568.67,"end":571.41,"sentiment":"neutral","sentiment_score":0.030252843350172042}],"sentiment":"neutral","sentiment_score":0.01179151528555414,"channel":0,"num_words":46,"start":553.965,"end":571.41},{"sentences":[{"text":"If you are, say, fully disabled and not able to ever go back to work again for any reason, TPD you can also release your super.","start":572.115,"end":580.59503,"sentiment":"neutral","sentiment_score":0.054833133275119156},{"text":"So you you're covered for the same amount of TPD as you are alive.","start":580.59503,"end":584.375,"sentiment":"neutral","sentiment_score":0.12466045469045639},{"text":"The benefit is 378,034, and then you've also got your super benefit that can be paid out on top of that as well.","start":584.4,"end":593.46,"sentiment":"neutral","sentiment_score":0.1104116227639758},{"text":"One","start":593.76,"end":594.0,"sentiment":"neutral","sentiment_score":-0.03972851112484932}],"sentiment":"neutral","sentiment_score":0.08860385380103253,"channel":0,"num_words":64,"start":572.115,"end":594.0},{"sentences":[{"text":"Yep.","start":593.885,"end":594.385,"sentiment":"neutral","sentiment_score":-0.07687162607908249}],"sentiment":"neutral","sentiment_score":-0.07687162607908249,"channel":1,"num_words":1,"start":593.885,"end":594.385},{"sentences":[{"text":"of the big things I do like to kind of bring up and just make sure people are aware is that if you are TBD'd, never able to go back to work again, unfortunately, the benefit is taxed.","start":594.0,"end":605.665,"sentiment":"neutral","sentiment_score":-0.1911198428194774},{"text":"So you could pay if you take the full lump sum, you could pay tax on that benefit amount of up to 22%, which is horrible and should not be a thing.","start":605.805,"end":616.62,"sentiment":"negative","sentiment_score":-0.40201784344390035},{"text":"But looking at that benefit amount, are you fairly comfortable with the level of TBD you have?","start":618.52,"end":623.665,"sentiment":"neutral","sentiment_score":-0.024359912337625727},{"text":"Do you think you would need to maybe have more cover, or what's your thoughts?","start":623.665,"end":627.52496,"sentiment":"neutral","sentiment_score":-0.12443082556128501},{"text":"If you have more questions, you're welcome to let me know, and we can talk it through.","start":634.225,"end":637.845,"sentiment":"neutral","sentiment_score":0.27073970217915144}],"sentiment":"neutral","sentiment_score":-0.14962294935679235,"channel":0,"num_words":119,"start":594.0,"end":637.845},{"sentences":[{"text":"Yeah.","start":639.64496,"end":640.14496,"sentiment":"neutral","sentiment_score":0.2429041713476181},{"text":"I think well, I think for now, I'm gonna be okay.","start":640.20496,"end":642.945,"sentiment":"neutral","sentiment_score":0.304996905001727},{"text":"Yeah.","start":643.005,"end":643.505,"sentiment":"neutral","sentiment_score":0.05698782950639725}],"sentiment":"neutral","sentiment_score":0.2811429196825394,"channel":1,"num_words":13,"start":639.64496,"end":643.505},{"sentences":[{"text":"Yeah.","start":644.05,"end":644.55,"sentiment":"neutral","sentiment_score":-0.0128307044506073},{"text":"It's kinda hard to work out, you know, what level you realistically need because we're getting insurances to protect us in the event that something was to happen.","start":645.09,"end":653.43,"sentiment":"neutral","sentiment_score":-0.16368495859205723},{"text":"But if you think about the level of cover you have, not factoring in the tax side of things, but if you were to claim on that with the total benefit now your income I have here is about 120,000.","start":653.595,"end":667.27496,"sentiment":"neutral","sentiment_score":-0.02600757833570242},{"text":"Is that right?","start":667.27496,"end":668.175,"sentiment":"neutral","sentiment_score":0.036407118663191795}],"sentiment":"neutral","sentiment_score":-0.07676515725648238,"channel":0,"num_words":72,"start":644.05,"end":668.175},{"sentences":[{"text":"Yes.","start":669.27,"end":669.735,"sentiment":"neutral","sentiment_score":0.11620688438415527}],"sentiment":"neutral","sentiment_score":0.11620688438415527,"channel":1,"num_words":1,"start":669.27,"end":669.735},{"sentences":[{"text":"Yep.","start":670.75,"end":670.99,"sentiment":"neutral","sentiment_score":0.26124656200408936},{"text":"Beautiful.","start":670.99,"end":671.47003,"sentiment":"positive","sentiment_score":0.5550782680511475},{"text":"And you're renting where you are.","start":671.47003,"end":673.31,"sentiment":"neutral","sentiment_score":0.20651390155156454},{"text":"Is that correct?","start":673.31,"end":674.21,"sentiment":"neutral","sentiment_score":0.15212608377138773}],"sentiment":"neutral","sentiment_score":0.2283442264253443,"channel":0,"num_words":11,"start":670.75,"end":674.21},{"sentences":[{"text":"Yes.","start":674.855,"end":675.355,"sentiment":"neutral","sentiment_score":0.11265737563371658}],"sentiment":"neutral","sentiment_score":0.11265737563371658,"channel":1,"num_words":1,"start":674.855,"end":675.355},{"sentences":[{"text":"Yeah.","start":675.95,"end":676.35,"sentiment":"neutral","sentiment_score":0.1257653534412384},{"text":"So if we sort of look at income replacement based on the benefit you have at the moment, and if we divide that by your current income, it would replace income for about four years.","start":676.35,"end":686.90497,"sentiment":"neutral","sentiment_score":0.0898293847484248},{"text":"Admittedly, it's not a lot, but does your wife work would she also be able to earn income to help supplement you?","start":687.76495,"end":694.50494,"sentiment":"neutral","sentiment_score":0.03570308502424847}],"sentiment":"neutral","sentiment_score":0.06991830500292368,"channel":0,"num_words":58,"start":675.95,"end":694.50494},{"sentences":[{"text":"No.","start":695.4,"end":695.64,"sentiment":"neutral","sentiment_score":-0.11728140711784364},{"text":"She doesn't know where.","start":695.64,"end":696.7,"sentiment":"neutral","sentiment_score":-0.12914847023785114}],"sentiment":"neutral","sentiment_score":-0.12677505761384963,"channel":1,"num_words":5,"start":695.4,"end":696.7},{"sentences":[{"text":"Okay.","start":697.5,"end":697.74,"sentiment":"neutral","sentiment_score":-0.04213150963187218},{"text":"So it's just yourself.","start":697.74,"end":698.94,"sentiment":"neutral","sentiment_score":0.01027760561555624},{"text":"So, realistically, if you are having to draw that income of a $120,000 per year for expenses, your TPD benefit would last about four years.","start":698.94,"end":709.84,"sentiment":"neutral","sentiment_score":0.001492282897233963},{"text":"If for any reason you could sort of last on a little bit less, say, if you're not working and the expenses are a little bit lower, you might be able to essentially live on a smaller income amount.","start":710.505,"end":723.325,"sentiment":"neutral","sentiment_score":-0.04465941253762979},{"text":"So, say, that divided by, say, $60,000 a year, and that would mean that the benefit total could last about eight years wholly after that point.","start":723.385,"end":733.78,"sentiment":"neutral","sentiment_score":0.0882646064632214}],"sentiment":"neutral","sentiment_score":0.006204722782498912,"channel":0,"num_words":95,"start":697.5,"end":733.78},{"sentences":[{"text":"It'd be about whether you could go back to work, whether or not you could, you know, claim on Centrelink and things like that.","start":734.08,"end":741.245,"sentiment":"neutral","sentiment_score":0.039631216786801815},{"text":"You also do have income protection, so you can be on an income protection benefit if that's a possibility that time as well.","start":741.245,"end":748.765,"sentiment":"neutral","sentiment_score":0.10960425404102905},{"text":"Does that make sense?","start":748.765,"end":749.98505,"sentiment":"neutral","sentiment_score":0.10400514304637909}],"sentiment":"neutral","sentiment_score":0.076236619961028,"channel":0,"num_words":51,"start":734.08,"end":749.98505},{"sentences":[{"text":"Yep.","start":750.44995,"end":750.94995,"sentiment":"neutral","sentiment_score":0.07788543403148651}],"sentiment":"neutral","sentiment_score":0.07788543403148651,"channel":1,"num_words":1,"start":750.44995,"end":750.94995},{"sentences":[{"text":"Yeah.","start":751.645,"end":752.125,"sentiment":"neutral","sentiment_score":0.038909912109375},{"text":"Did you wanna review the TBD cover, or you're happy with that level for time being, or do you have more questions?","start":752.125,"end":758.06995,"sentiment":"neutral","sentiment_score":0.1272311146286401},{"text":"If you do, you're welcome to let me know.","start":758.06995,"end":760.25,"sentiment":"positive","sentiment_score":0.34119609329435563}],"sentiment":"neutral","sentiment_score":0.18464872729964554,"channel":0,"num_words":32,"start":751.645,"end":760.25},{"sentences":[{"text":"Yeah.","start":760.66504,"end":761.065,"sentiment":"neutral","sentiment_score":0.14866533875465393},{"text":"I'll I'll just leave it for now and then","start":761.065,"end":763.16504,"sentiment":"neutral","sentiment_score":0.07603756835063298}],"sentiment":"neutral","sentiment_score":0.08330034539103508,"channel":1,"num_words":10,"start":760.66504,"end":763.16504},{"sentences":[{"text":"Yeah.","start":763.43,"end":763.93,"sentiment":"neutral","sentiment_score":0.07745663821697235}],"sentiment":"neutral","sentiment_score":0.07745663821697235,"channel":0,"num_words":1,"start":763.43,"end":763.93},{"sentences":[{"text":"maybe","start":763.465,"end":763.965,"sentiment":"neutral","sentiment_score":0.0857435017824173}],"sentiment":"neutral","sentiment_score":0.0857435017824173,"channel":1,"num_words":1,"start":763.465,"end":763.965},{"sentences":[{"text":"That's","start":764.23,"end":764.73,"sentiment":"neutral","sentiment_score":0.25406643748283386}],"sentiment":"neutral","sentiment_score":0.25406643748283386,"channel":0,"num_words":1,"start":764.23,"end":764.73},{"sentences":[{"text":"okay.","start":765.0,"end":765.07996,"sentiment":"neutral","sentiment_score":0.2731856405735016},{"text":"We'll get it with","start":765.07996,"end":765.8,"sentiment":"neutral","sentiment_score":0.23103966563940048}],"sentiment":"neutral","sentiment_score":0.2394688606262207,"channel":1,"num_words":5,"start":765.0,"end":765.8},{"sentences":[{"text":"that's","start":765.67,"end":766.14996,"sentiment":"neutral","sentiment_score":0.18293657898902893}],"sentiment":"neutral","sentiment_score":0.18293657898902893,"channel":0,"num_words":1,"start":765.67,"end":766.14996},{"sentences":[{"text":"my wife.","start":765.8,"end":766.38,"sentiment":"neutral","sentiment_score":0.22339308261871335}],"sentiment":"neutral","sentiment_score":0.22339308261871335,"channel":1,"num_words":2,"start":765.8,"end":766.38},{"sentences":[{"text":"yeah.","start":767.02997,"end":767.26996,"sentiment":"positive","sentiment_score":0.3407942056655884},{"text":"That's absolutely fine.","start":767.26996,"end":768.825,"sentiment":"positive","sentiment_score":0.5957292715708414},{"text":"If you like, Malcolm, what I could do after the call is I could send you a little bit of an email breakdown noting a little bit about the life keeping in income protection policies, what they pay, how they cover, and notice a bit about your cover that you have.","start":768.905,"end":781.865,"sentiment":"neutral","sentiment_score":0.17334938575239742},{"text":"That way, if you do find you wanna review that or have additional questions, you can let me know.","start":781.865,"end":786.66,"sentiment":"neutral","sentiment_score":0.20986849148022502},{"text":"I know going through the review, it is hard to think about what level you might need, and it is a lot to go through the insurance information.","start":787.04,"end":794.33997,"sentiment":"neutral","sentiment_score":0.001791220557476793}],"sentiment":"neutral","sentiment_score":0.14712211968121575,"channel":0,"num_words":102,"start":767.02997,"end":794.33997},{"sentences":[{"text":"So you might find later you have additional questions.","start":794.56,"end":797.68,"sentiment":"neutral","sentiment_score":0.06719645526674059},{"text":"Does that sound okay?","start":797.68,"end":798.89996,"sentiment":"neutral","sentiment_score":0.1061813086271286}],"sentiment":"neutral","sentiment_score":0.0791917947622446,"channel":0,"num_words":13,"start":794.56,"end":798.89996},{"sentences":[{"text":"Yep.","start":799.26,"end":799.5,"sentiment":"neutral","sentiment_score":0.1703614443540573},{"text":"That sounds good.","start":799.5,"end":800.56,"sentiment":"positive","sentiment_score":0.502303421497345}],"sentiment":"positive","sentiment_score":0.41931792721152306,"channel":1,"num_words":4,"start":799.26,"end":800.56},{"sentences":[{"text":"Yeah.","start":800.89496,"end":801.295,"sentiment":"positive","sentiment_score":0.4614250957965851},{"text":"Beautiful.","start":801.295,"end":801.795,"sentiment":"positive","sentiment_score":0.6581976413726807},{"text":"Now you do also have the income protection benefit here.","start":802.735,"end":805.795,"sentiment":"neutral","sentiment_score":0.16352128088474274},{"text":"It currently has a monthly pay benefit payable pretax of nine sorry.","start":805.855,"end":811.055,"sentiment":"neutral","sentiment_score":0.09993067073325317},{"text":"4,977.","start":811.055,"end":813.39496,"sentiment":"neutral","sentiment_score":0.0464564748108387}],"sentiment":"neutral","sentiment_score":0.1600184027850628,"channel":0,"num_words":25,"start":800.89496,"end":813.39496},{"sentences":[{"text":"If you were off work due to illness or injury, do you feel like that's appropriate?","start":813.88,"end":817.42,"sentiment":"neutral","sentiment_score":-0.09650815208442509},{"text":"Do you feel like you would need to sort of reassess that at all?","start":817.48,"end":821.33997,"sentiment":"neutral","sentiment_score":-0.07874063189540591}],"sentiment":"neutral","sentiment_score":-0.0882166426628828,"channel":0,"num_words":30,"start":813.88,"end":821.33997},{"sentences":[{"text":"No.","start":822.45,"end":822.95,"sentiment":"neutral","sentiment_score":-0.098475344479084}],"sentiment":"neutral","sentiment_score":-0.098475344479084,"channel":1,"num_words":1,"start":822.45,"end":822.95},{"sentences":[{"text":"7,000.","start":823.16,"end":824.06,"sentiment":"neutral","sentiment_score":-0.04657725244760513},{"text":"No.","start":824.12,"end":824.27997,"sentiment":"neutral","sentiment_score":-0.1331076622009277},{"text":"That's okay.","start":824.27997,"end":825.1,"sentiment":"neutral","sentiment_score":-0.04736192710697651},{"text":"Looking at your current income based on a 120,000, you are slightly underinsured for income protection.","start":826.25494,"end":831.935,"sentiment":"neutral","sentiment_score":-0.07316617108881474},{"text":"You can always look to increase that to 70%, which is the maximum you can be covered for.","start":831.935,"end":836.915,"sentiment":"neutral","sentiment_score":0.0150811734298865}],"sentiment":"neutral","sentiment_score":-0.030884378540672754,"channel":0,"num_words":38,"start":823.16,"end":836.915},{"sentences":[{"text":"But","start":837.21497,"end":837.375,"sentiment":"neutral","sentiment_score":-0.003215014934539795}],"sentiment":"neutral","sentiment_score":-0.003215014934539795,"channel":0,"num_words":1,"start":837.21497,"end":837.375},{"sentences":[{"text":"Mhmm.","start":837.34503,"end":837.84503,"sentiment":"neutral","sentiment_score":0.0032634735107421875}],"sentiment":"neutral","sentiment_score":0.0032634735107421875,"channel":1,"num_words":1,"start":837.34503,"end":837.84503},{"sentences":[{"text":"if you feel like that's an appropriate amount, you're comfortable just leaving it as is for the time being.","start":837.375,"end":842.16,"sentiment":"neutral","sentiment_score":0.11918680212999645},{"text":"Is that right?","start":842.16,"end":843.06,"sentiment":"neutral","sentiment_score":0.09682834645112355}],"sentiment":"neutral","sentiment_score":0.11613792181015015,"channel":0,"num_words":22,"start":837.375,"end":843.06},{"sentences":[{"text":"Yeah.","start":843.98505,"end":844.48505,"sentiment":"neutral","sentiment_score":0.10676625370979308}],"sentiment":"neutral","sentiment_score":0.10676625370979308,"channel":1,"num_words":1,"start":843.98505,"end":844.48505},{"sentences":[{"text":"Yep.","start":844.88,"end":845.28,"sentiment":"neutral","sentiment_score":0.1463753581047058},{"text":"That's okay.","start":845.28,"end":846.1,"sentiment":"neutral","sentiment_score":0.2493615746498108},{"text":"You've also got a thirty day waiting period, so it just means you need to be off work for thirty days prior to making a claim and a five year benefit.","start":846.48,"end":853.86,"sentiment":"neutral","sentiment_score":0.11795385722671786},{"text":"So you just need to be you can be on a claim for up to five years in the event of an income protection claim.","start":853.92,"end":859.745,"sentiment":"neutral","sentiment_score":0.12449009701609612},{"text":"Is that","start":859.805,"end":860.28503,"sentiment":"neutral","sentiment_score":0.0671374499797821}],"sentiment":"neutral","sentiment_score":0.12374090830810734,"channel":0,"num_words":61,"start":844.88,"end":860.28503},{"sentences":[{"text":"I'm","start":860.325,"end":860.825,"sentiment":"neutral","sentiment_score":0.054889172315597534}],"sentiment":"neutral","sentiment_score":0.054889172315597534,"channel":1,"num_words":1,"start":860.325,"end":860.825},{"sentences":[{"text":"yeah.","start":861.325,"end":861.72504,"sentiment":"neutral","sentiment_score":0.010959647595882416},{"text":"Do you have any questions at all so far?","start":861.72504,"end":864.145,"sentiment":"neutral","sentiment_score":0.021614717837009165},{"text":"No.","start":866.045,"end":866.28503,"sentiment":"neutral","sentiment_score":-0.16554713249206543},{"text":"That's okay.","start":866.28503,"end":867.085,"sentiment":"neutral","sentiment_score":-0.03459498472511768},{"text":"All good.","start":867.085,"end":867.485,"sentiment":"neutral","sentiment_score":0.27819088101387024}],"sentiment":"neutral","sentiment_score":0.03514245121429364,"channel":0,"num_words":15,"start":861.325,"end":867.485},{"sentences":[{"text":"Do you","start":867.485,"end":867.805,"sentiment":"neutral","sentiment_score":-0.15218837559223175}],"sentiment":"neutral","sentiment_score":-0.15218837559223175,"channel":0,"num_words":2,"start":867.485,"end":867.805},{"sentences":[{"text":"not.","start":867.77246,"end":868.27246,"sentiment":"neutral","sentiment_score":-0.15166646242141724}],"sentiment":"neutral","sentiment_score":-0.15166646242141724,"channel":1,"num_words":1,"start":867.77246,"end":868.27246},{"sentences":[{"text":"have much in the way of sick leave, annual leave, long service leave, other things that you can sort of fall back on at work as well if you're unable to go to work in a shorter term?","start":867.805,"end":875.51996,"sentiment":"neutral","sentiment_score":-0.20173383249264015}],"sentiment":"neutral","sentiment_score":-0.20173383249264015,"channel":0,"num_words":38,"start":867.805,"end":875.51996},{"sentences":[{"text":"Yeah.","start":876.33997,"end":876.66,"sentiment":"neutral","sentiment_score":-0.015558436512947084},{"text":"But lock service.","start":876.66,"end":878.19995,"sentiment":"neutral","sentiment_score":-0.013897029682993889}],"sentiment":"neutral","sentiment_score":-0.014312381390482187,"channel":1,"num_words":4,"start":876.33997,"end":878.19995},{"sentences":[{"text":"Long service?","start":879.26,"end":880.07996,"sentiment":"neutral","sentiment_score":-0.003934233216568828}],"sentiment":"neutral","sentiment_score":-0.003934233216568828,"channel":0,"num_words":2,"start":879.26,"end":880.07996},{"sentences":[{"text":"Load service annually.","start":880.57996,"end":881.8,"sentiment":"neutral","sentiment_score":-0.008749029909571012},{"text":"Yeah.","start":882.18,"end":882.5,"sentiment":"neutral","sentiment_score":0.005595074966549873},{"text":"Pretty much for quite a bit.","start":882.5,"end":884.75995,"sentiment":"neutral","sentiment_score":-0.011047663322339455}],"sentiment":"neutral","sentiment_score":-0.008693799469619989,"channel":1,"num_words":10,"start":880.57996,"end":884.75995},{"sentences":[{"text":"Yeah.","start":884.45996,"end":884.775,"sentiment":"neutral","sentiment_score":0.04045512527227402},{"text":"Yeah.","start":885.335,"end":885.815,"sentiment":"neutral","sentiment_score":0.09795255959033966},{"text":"Beautiful.","start":885.815,"end":886.315,"sentiment":"positive","sentiment_score":0.42561811208724976},{"text":"So you're one of those.","start":886.775,"end":887.655,"sentiment":"positive","sentiment_score":0.3567598223686218},{"text":"You're never sick.","start":887.655,"end":888.53503,"sentiment":"positive","sentiment_score":0.355701744556427}],"sentiment":"neutral","sentiment_score":0.3104481947692958,"channel":0,"num_words":11,"start":884.45996,"end":888.53503},{"sentences":[{"text":"You go to work, and you bank it all up.","start":888.53503,"end":891.03503,"sentiment":"positive","sentiment_score":0.3849041134119034}],"sentiment":"positive","sentiment_score":0.3849041134119034,"channel":0,"num_words":10,"start":888.53503,"end":891.03503},{"sentences":[{"text":"Bank it all up is the one.","start":891.275,"end":892.895,"sentiment":"positive","sentiment_score":0.3978896609374455}],"sentiment":"positive","sentiment_score":0.3978896609374455,"channel":1,"num_words":7,"start":891.275,"end":892.895},{"sentences":[{"text":"Beautiful.","start":894.61505,"end":895.11505,"sentiment":"positive","sentiment_score":0.5622732043266296},{"text":"Well, thank you so much for clarifying that.","start":895.255,"end":897.015,"sentiment":"positive","sentiment_score":0.5545326694846153},{"text":"As I said, I'll send you an email after the call just clarifying the information around the insurance side of things, and you're","start":897.015,"end":902.82,"sentiment":"neutral","sentiment_score":0.24915940152562183}],"sentiment":"positive","sentiment_score":0.3352875248529017,"channel":0,"num_words":32,"start":894.61505,"end":902.82},{"sentences":[{"text":"Yep.","start":902.71497,"end":903.21497,"sentiment":"neutral","sentiment_score":0.26147717237472534}],"sentiment":"neutral","sentiment_score":0.26147717237472534,"channel":1,"num_words":1,"start":902.71497,"end":903.21497},{"sentences":[{"text":"welcome to come back and let me know if there are any questions that you have or if you and your wife discover that you might wanna review those levels of cover.","start":902.82,"end":910.02,"sentiment":"neutral","sentiment_score":0.2611280141863972},{"text":"Okay?","start":910.02,"end":910.52,"sentiment":"neutral","sentiment_score":0.13759389519691467}],"sentiment":"neutral","sentiment_score":0.2573845560352008,"channel":0,"num_words":33,"start":902.82,"end":910.52},{"sentences":[{"text":"Okay.","start":911.08,"end":911.58,"sentiment":"neutral","sentiment_score":0.18898838758468628}],"sentiment":"neutral","sentiment_score":0.18898838758468628,"channel":1,"num_words":1,"start":911.08,"end":911.58},{"sentences":[{"text":"Excellent.","start":912.33997,"end":912.83997,"sentiment":"positive","sentiment_score":0.4490845203399658},{"text":"Beautiful.","start":913.06,"end":913.56,"sentiment":"positive","sentiment_score":0.42207103967666626},{"text":"Now I do have to let you know there are other types of insurances depending on your depending on your circumstances, sorry, that you, you know, may like to look at in the future.","start":914.36505,"end":923.10504,"sentiment":"neutral","sentiment_score":-0.01930540328954949},{"text":"You can also get trauma, which pays out a lump sum tax free benefit if you, say, have a heart attack or a stroke or certain neurological conditions.","start":923.565,"end":931.49,"sentiment":"neutral","sentiment_score":-0.03524122713133693},{"text":"Cancer's probably a big one.","start":932.27,"end":934.05,"sentiment":"neutral","sentiment_score":-0.1211294949054718}],"sentiment":"neutral","sentiment_score":-0.019965651971490486,"channel":0,"num_words":69,"start":912.33997,"end":934.05},{"sentences":[{"text":"And do you have children?","start":934.75,"end":936.59,"sentiment":"neutral","sentiment_score":-0.024778702482581138},{"text":"I believe you've got a couple of kids.","start":936.59,"end":939.01,"sentiment":"neutral","sentiment_score":-0.01800434896722436},{"text":"Five children.","start":942.75,"end":943.65,"sentiment":"neutral","sentiment_score":-0.009028987493366003},{"text":"Wow.","start":943.71,"end":944.11,"sentiment":"neutral","sentiment_score":-0.00015952903777360916},{"text":"How old are they?","start":944.11,"end":945.25,"sentiment":"neutral","sentiment_score":-0.010774995433166623}],"sentiment":"neutral","sentiment_score":-0.016462289495393634,"channel":0,"num_words":20,"start":934.75,"end":945.25},{"sentences":[{"text":"They're all adults.","start":946.405,"end":947.305,"sentiment":"neutral","sentiment_score":-0.008726616390049458},{"text":"Now they're 20","start":947.365,"end":948.965,"sentiment":"neutral","sentiment_score":0.00011496661075701316}],"sentiment":"neutral","sentiment_score":-0.004305824889646222,"channel":1,"num_words":6,"start":946.405,"end":948.965},{"sentences":[{"text":"Wow.","start":948.88495,"end":949.38495,"sentiment":"neutral","sentiment_score":0.002756711095571518}],"sentiment":"neutral","sentiment_score":0.002756711095571518,"channel":0,"num_words":1,"start":948.88495,"end":949.38495},{"sentences":[{"text":"seven","start":948.965,"end":949.465,"sentiment":"neutral","sentiment_score":0.001912754029035568}],"sentiment":"neutral","sentiment_score":0.001912754029035568,"channel":1,"num_words":1,"start":948.965,"end":949.465},{"sentences":[{"text":"Yeah.","start":950.565,"end":951.065,"sentiment":"neutral","sentiment_score":0.0065652355551719666}],"sentiment":"neutral","sentiment_score":0.0065652355551719666,"channel":0,"num_words":1,"start":950.565,"end":951.065},{"sentences":[{"text":"27, 26, 25, 24, and 22.","start":950.885,"end":956.105,"sentiment":"neutral","sentiment_score":0.007114157856752475}],"sentiment":"neutral","sentiment_score":0.007114157856752475,"channel":1,"num_words":6,"start":950.885,"end":956.105},{"sentences":[{"text":"Wow.","start":956.64496,"end":956.96497,"sentiment":"neutral","sentiment_score":0.026375697925686836},{"text":"They're all grown up.","start":956.96497,"end":958.105,"sentiment":"neutral","sentiment_score":0.01180674321949482},{"text":"No.","start":960.33997,"end":960.74,"sentiment":"neutral","sentiment_score":0.015506219118833542},{"text":"Fantastic.","start":960.74,"end":961.24,"sentiment":"neutral","sentiment_score":0.15126749873161316},{"text":"Did you wanna look at any additional kind of insurances outside of what you've got to cover you for any gaps in your risk, or you're happy just with the the insurances you've that we've gone through that you currently have?","start":962.25995,"end":973.405,"sentiment":"neutral","sentiment_score":0.04188207264353589}],"sentiment":"neutral","sentiment_score":0.04078211181331426,"channel":0,"num_words":48,"start":956.64496,"end":973.405},{"sentences":[{"text":"I'm not yet.","start":974.125,"end":974.925,"sentiment":"neutral","sentiment_score":-0.11136880765358607},{"text":"I'm not sure.","start":974.925,"end":975.565,"sentiment":"neutral","sentiment_score":-0.1393198718627294},{"text":"Hold on.","start":975.565,"end":976.225,"sentiment":"neutral","sentiment_score":-0.05824777111411095}],"sentiment":"neutral","sentiment_score":-0.10857019759714603,"channel":1,"num_words":8,"start":974.125,"end":976.225},{"sentences":[{"text":"Yep.","start":976.585,"end":976.905,"sentiment":"neutral","sentiment_score":-0.004662893246859312},{"text":"That's okay.","start":976.905,"end":977.705,"sentiment":"neutral","sentiment_score":0.033223750069737434},{"text":"Not a problem at all.","start":977.705,"end":978.905,"sentiment":"neutral","sentiment_score":0.0830729603767395},{"text":"Fantastic.","start":978.905,"end":979.405,"sentiment":"positive","sentiment_score":0.35503190755844116},{"text":"We've kinda gone through most things.","start":980.425,"end":981.945,"sentiment":"neutral","sentiment_score":0.09078862192109227}],"sentiment":"neutral","sentiment_score":0.09179420319075386,"channel":0,"num_words":15,"start":976.585,"end":981.945},{"sentences":[{"text":"The only other things attached to that email are the sorry.","start":981.945,"end":987.02997,"sentiment":"negative","sentiment_score":-0.3363957391543822},{"text":"The certificates of currency, which outline a little bit more around the types of cover that you have, the levels of cover that you have with Zurich there as well.","start":987.02997,"end":994.97,"sentiment":"neutral","sentiment_score":-0.08548211206992468},{"text":"These do go through a renewal every year.","start":995.43,"end":997.75,"sentiment":"neutral","sentiment_score":-0.039841846562922},{"text":"They do get more expensive over time, but they do also grow in value.","start":997.75,"end":1001.365,"sentiment":"neutral","sentiment_score":-0.019360165244766643},{"text":"So they are indexed along with CPIs.","start":1001.365,"end":1003.465,"sentiment":"neutral","sentiment_score":0.057845991903117726}],"sentiment":"neutral","sentiment_score":-0.09213816622006042,"channel":0,"num_words":70,"start":981.945,"end":1003.465},{"sentences":[{"text":"So the level of cover you have does increase over time, but the premiums do also increase.","start":1003.605,"end":1009.365,"sentiment":"neutral","sentiment_score":0.018116624258896884},{"text":"So we just wanna review those with with you on a regular basis.","start":1009.365,"end":1012.565,"sentiment":"neutral","sentiment_score":0.15724356472492218},{"text":"And if I kinda go back and find us anything that kinda flags the need to bring forward to you, I'll make sure we come back and have that conversation.","start":1012.565,"end":1019.86,"sentiment":"neutral","sentiment_score":0.08442277101178965},{"text":"Okay?","start":1020.32,"end":1020.82,"sentiment":"neutral","sentiment_score":0.1230679526925087},{"text":"Excellent.","start":1022.56,"end":1023.06,"sentiment":"positive","sentiment_score":0.6859382390975952}],"sentiment":"neutral","sentiment_score":0.09183610122530692,"channel":0,"num_words":62,"start":1003.605,"end":1023.06},{"sentences":[{"text":"We've also got the the financial services guide attached with Outline.","start":1023.27997,"end":1027.04,"sentiment":"positive","sentiment_score":0.3846754079515284},{"text":"Everything about who we are, what we do, how we do it, has a lovely glossy photo of me in there, and all of my licensing information as a licensed adviser for you as well.","start":1027.04,"end":1036.505,"sentiment":"positive","sentiment_score":0.4190254739352635},{"text":"Okay?","start":1036.505,"end":1037.005,"sentiment":"neutral","sentiment_score":0.17895710468292236}],"sentiment":"positive","sentiment_score":0.4058782591464672,"channel":0,"num_words":47,"start":1023.27997,"end":1037.005},{"sentences":[{"text":"Yep.","start":1038.055,"end":1038.555,"sentiment":"neutral","sentiment_score":0.16114471852779388}],"sentiment":"neutral","sentiment_score":0.16114471852779388,"channel":1,"num_words":1,"start":1038.055,"end":1038.555},{"sentences":[{"text":"We also do have attached the ongoing service agreement.","start":1038.825,"end":1042.26,"sentiment":"neutral","sentiment_score":0.16989768462048638},{"text":"So to keep us as your servicing adviser and keep us looking after your suit for the insurances and helping you provide advice long term to meet your goals, we do charge an ongoing service fee for doing so.","start":1042.5599,"end":1053.915,"sentiment":"neutral","sentiment_score":0.22576937012565443},{"text":"Our ongoing service fee is now a tiered structure, so it starts at 1.65% per annum as it has.","start":1054.3151,"end":1061.055,"sentiment":"neutral","sentiment_score":0.09735612865341337},{"text":"And once your balance sets over 200,000, then you drop into the lower tier and the fee drops down to 1.375.","start":1061.1951,"end":1069.0801,"sentiment":"neutral","sentiment_score":0.1067218684724399},{"text":"So it works in a bit of a tiered structure.","start":1069.0801,"end":1071.02,"sentiment":"neutral","sentiment_score":0.12744056284427643}],"sentiment":"neutral","sentiment_score":0.1601981215026914,"channel":0,"num_words":98,"start":1038.825,"end":1071.02},{"sentences":[{"text":"The newer ongoing service agreements actually outline your fee as a dollar figure instead of just an estimate so that it's giving you more certainty around how much you're likely to pay for our service.","start":1071.48,"end":1082.535,"sentiment":"neutral","sentiment_score":0.17900991759129933},{"text":"So because your balance is still essentially sitting at the 1.65%, we estimate it to be about $1,700 for the year there.","start":1082.615,"end":1092.235,"sentiment":"neutral","sentiment_score":0.15116131847554987},{"text":"And to keep us as your adviser and keep looking after your super and monitoring things and helping you moving forward, I do ask that you sign and return that back after the call for me.","start":1092.295,"end":1102.11,"sentiment":"neutral","sentiment_score":0.2538987197395828},{"text":"Do you have any questions about the fee structure or anything there at all that's come to mind?","start":1102.17,"end":1106.99,"sentiment":"neutral","sentiment_score":0.055955108565588794}],"sentiment":"neutral","sentiment_score":0.17782380168435272,"channel":0,"num_words":111,"start":1071.48,"end":1106.99},{"sentences":[{"text":"Not.","start":1108.495,"end":1108.995,"sentiment":"neutral","sentiment_score":-0.1500636637210846}],"sentiment":"neutral","sentiment_score":-0.1500636637210846,"channel":1,"num_words":1,"start":1108.495,"end":1108.995},{"sentences":[{"text":"No.","start":1109.61,"end":1109.93,"sentiment":"neutral","sentiment_score":-0.15686680376529694},{"text":"That's okay.","start":1109.93,"end":1110.8301,"sentiment":"neutral","sentiment_score":-0.0274252169765532},{"text":"All good.","start":1110.89,"end":1111.635,"sentiment":"positive","sentiment_score":0.5118186473846436},{"text":"The only last sort of things to run through is just to make sure that your circumstances look at see if there's any major changes there at all.","start":1112.035,"end":1118.675,"sentiment":"neutral","sentiment_score":-0.03025575747181262},{"text":"You've confirmed your income's about 120,000 for the year.","start":1118.675,"end":1122.115,"sentiment":"neutral","sentiment_score":0.019394370313319895}],"sentiment":"neutral","sentiment_score":0.003316861444285938,"channel":0,"num_words":42,"start":1109.61,"end":1122.115},{"sentences":[{"text":"Is that still correct?","start":1122.115,"end":1123.415,"sentiment":"neutral","sentiment_score":0.031160850543528795}],"sentiment":"neutral","sentiment_score":0.031160850543528795,"channel":0,"num_words":4,"start":1122.115,"end":1123.415},{"sentences":[{"text":"Yes.","start":1124.34,"end":1124.84,"sentiment":"neutral","sentiment_score":0.05131351575255394}],"sentiment":"neutral","sentiment_score":0.05131351575255394,"channel":1,"num_words":1,"start":1124.34,"end":1124.84},{"sentences":[{"text":"Yep.","start":1125.25,"end":1125.65,"sentiment":"neutral","sentiment_score":0.09026973694562912},{"text":"Beautiful.","start":1125.65,"end":1126.15,"sentiment":"positive","sentiment_score":0.3680768013000488},{"text":"Are you due for a pay rise soon at all?","start":1126.29,"end":1128.63,"sentiment":"neutral","sentiment_score":0.10981379523873329}],"sentiment":"neutral","sentiment_score":0.12970704088608423,"channel":0,"num_words":12,"start":1125.25,"end":1128.63},{"sentences":[{"text":"Yes.","start":1130.18,"end":1130.5,"sentiment":"neutral","sentiment_score":0.15425120294094086},{"text":"We are, actually.","start":1130.5,"end":1131.4,"sentiment":"neutral","sentiment_score":0.25793590644995373}],"sentiment":"neutral","sentiment_score":0.2320147305727005,"channel":1,"num_words":4,"start":1130.18,"end":1131.4},{"sentences":[{"text":"Fantastic.","start":1132.13,"end":1132.63,"sentiment":"positive","sentiment_score":0.691906213760376},{"text":"Well, cross your fingers.","start":1132.93,"end":1133.81,"sentiment":"positive","sentiment_score":0.530249334871769},{"text":"You get a nice one.","start":1133.81,"end":1135.03,"sentiment":"positive","sentiment_score":0.6085629940032959}],"sentiment":"positive","sentiment_score":0.5855718523263931,"channel":0,"num_words":10,"start":1132.13,"end":1135.03},{"sentences":[{"text":"Yeah.","start":1136.125,"end":1136.605,"sentiment":"neutral","sentiment_score":0.15589356422424316},{"text":"I think it's about 7%, I think.","start":1136.605,"end":1139.185,"sentiment":"neutral","sentiment_score":0.13093418095793044}],"sentiment":"neutral","sentiment_score":0.13405410386621952,"channel":1,"num_words":8,"start":1136.125,"end":1139.185},{"sentences":[{"text":"Fantastic.","start":1139.885,"end":1140.385,"sentiment":"positive","sentiment_score":0.5436426997184753},{"text":"Excellent.","start":1141.0851,"end":1141.5851,"sentiment":"positive","sentiment_score":0.4982911348342895},{"text":"Are you yourself and Eileen managing to sort of save much on a weekly or monthly basis out of your income, or are you finding all of your income is going towards the expenses of the household?","start":1142.605,"end":1152.0,"sentiment":"neutral","sentiment_score":0.1169690499837334},{"text":"How do you sort of find things at the moment?","start":1152.0,"end":1153.9401,"sentiment":"neutral","sentiment_score":0.007041830383241176}],"sentiment":"neutral","sentiment_score":0.11102463240374108,"channel":0,"num_words":49,"start":1139.885,"end":1153.9401},{"sentences":[{"text":"Yeah.","start":1155.98,"end":1156.4601,"sentiment":"neutral","sentiment_score":0.03102332539856434},{"text":"Not too bad.","start":1156.4601,"end":1157.42,"sentiment":"neutral","sentiment_score":0.03582816322644552},{"text":"We we've been trying to save so we can buy a you know, try and buy a house.","start":1157.42,"end":1164.5549,"sentiment":"neutral","sentiment_score":0.026865323902004294},{"text":"But","start":1164.5549,"end":1165.0549,"sentiment":"neutral","sentiment_score":0.11278951913118362}],"sentiment":"neutral","sentiment_score":0.03195100714978964,"channel":1,"num_words":23,"start":1155.98,"end":1165.0549},{"sentences":[{"text":"Oh, fantastic.","start":1165.52,"end":1166.3401,"sentiment":"positive","sentiment_score":0.3339672386646271},{"text":"Yeah.","start":1167.3351,"end":1167.735,"sentiment":"neutral","sentiment_score":0.18861693143844604},{"text":"Beautiful.","start":1167.735,"end":1168.235,"sentiment":"neutral","sentiment_score":0.31312084197998047},{"text":"Are you putting a set amount away every week to sort of help with that, or is it just whatever you have available at the end of the week?","start":1168.375,"end":1175.435,"sentiment":"neutral","sentiment_score":0.04976517861259395}],"sentiment":"neutral","sentiment_score":0.07917764940948198,"channel":0,"num_words":33,"start":1165.52,"end":1175.435},{"sentences":[{"text":"yeah.","start":1175.835,"end":1176.075,"sentiment":"neutral","sentiment_score":-0.0057528214529156685},{"text":"It's sort of just whatever we have available.","start":1176.075,"end":1178.15,"sentiment":"neutral","sentiment_score":0.003083637682721019}],"sentiment":"neutral","sentiment_score":0.002101808889872498,"channel":1,"num_words":9,"start":1175.835,"end":1178.15},{"sentences":[{"text":"Okay.","start":1179.175,"end":1179.655,"sentiment":"neutral","sentiment_score":0.08211866021156311},{"text":"Beautiful.","start":1179.655,"end":1180.155,"sentiment":"neutral","sentiment_score":0.13040058314800262},{"text":"Do you have much in savings at the moment?","start":1180.295,"end":1182.475,"sentiment":"neutral","sentiment_score":0.013483509628309144}],"sentiment":"neutral","sentiment_score":0.030351893637668003,"channel":0,"num_words":11,"start":1179.175,"end":1182.475},{"sentences":[{"text":"Not not not not not much at the moment, but yes.","start":1184.2101,"end":1187.67,"sentiment":"neutral","sentiment_score":-0.09271813675083897}],"sentiment":"neutral","sentiment_score":-0.09271813675083897,"channel":1,"num_words":11,"start":1184.2101,"end":1187.67},{"sentences":[{"text":"Yeah.","start":1187.78,"end":1188.28,"sentiment":"neutral","sentiment_score":-0.04375849664211273},{"text":"Yeah.","start":1188.5,"end":1189.0,"sentiment":"neutral","sentiment_score":-0.06480635702610016}],"sentiment":"neutral","sentiment_score":-0.054282426834106445,"channel":0,"num_words":2,"start":1187.78,"end":1189.0},{"sentences":[{"text":"So we're coming to a bit of a snag at the moment because or the house that we're living in, the the people wanna sell up after bloody fourteen years within that house.","start":1188.53,"end":1199.575,"sentiment":"neutral","sentiment_score":-0.13260617445815692}],"sentiment":"neutral","sentiment_score":-0.13260617445815692,"channel":1,"num_words":33,"start":1188.53,"end":1199.575},{"sentences":[{"text":"Oh, no.","start":1199.9451,"end":1201.005,"sentiment":"neutral","sentiment_score":-0.13577806949615479},{"text":"So you're having to try and find something else for the time being.","start":1201.305,"end":1204.525,"sentiment":"neutral","sentiment_score":-0.13908727638996565}],"sentiment":"neutral","sentiment_score":-0.1386460488041242,"channel":0,"num_words":15,"start":1199.9451,"end":1204.525},{"sentences":[{"text":"Yeah.","start":1204.755,"end":1205.255,"sentiment":"neutral","sentiment_score":-0.04789251461625099},{"text":"Yeah.","start":1205.315,"end":1205.815,"sentiment":"neutral","sentiment_score":-0.03951116651296616}],"sentiment":"neutral","sentiment_score":-0.043701840564608574,"channel":1,"num_words":2,"start":1204.755,"end":1205.815},{"sentences":[{"text":"Oh, oh, I see your wife is house hunting currently.","start":1206.185,"end":1210.765,"sentiment":"neutral","sentiment_score":-0.07213828377425671},{"text":"Poor soul.","start":1210.905,"end":1211.805,"sentiment":"neutral","sentiment_score":-0.2101140171289444},{"text":"Have you found anything that you like that you're sort of looking to move into for the time being?","start":1214.31,"end":1218.97,"sentiment":"neutral","sentiment_score":-0.037526703292601986}],"sentiment":"neutral","sentiment_score":-0.05982639466322238,"channel":0,"num_words":31,"start":1206.185,"end":1218.97},{"sentences":[{"text":"Yes.","start":1218.73,"end":1219.23,"sentiment":"neutral","sentiment_score":-0.003615833818912506},{"text":"We sort of had we sort of found a few houses, you know, but","start":1219.61,"end":1224.6649,"sentiment":"neutral","sentiment_score":-0.021479543165436814}],"sentiment":"neutral","sentiment_score":-0.02028862920900186,"channel":1,"num_words":15,"start":1218.73,"end":1224.6649},{"sentences":[{"text":"Yep.","start":1224.47,"end":1224.97,"sentiment":"neutral","sentiment_score":-0.01436924934387207}],"sentiment":"neutral","sentiment_score":-0.01436924934387207,"channel":0,"num_words":1,"start":1224.47,"end":1224.97},{"sentences":[{"text":"you kinda just gotta take what what comes, I suppose, until, you know,","start":1225.605,"end":1229.365,"sentiment":"neutral","sentiment_score":-0.030958652066496704}],"sentiment":"neutral","sentiment_score":-0.030958652066496704,"channel":1,"num_words":13,"start":1225.605,"end":1229.365},{"sentences":[{"text":"Yeah.","start":1229.265,"end":1229.765,"sentiment":"neutral","sentiment_score":0.004478828981518745}],"sentiment":"neutral","sentiment_score":0.004478828981518745,"channel":0,"num_words":1,"start":1229.265,"end":1229.765},{"sentences":[{"text":"just","start":1229.365,"end":1229.865,"sentiment":"neutral","sentiment_score":-0.0014839917421340942}],"sentiment":"neutral","sentiment_score":-0.0014839917421340942,"channel":1,"num_words":1,"start":1229.365,"end":1229.865},{"sentences":[{"text":"Yeah.","start":1231.5851,"end":1232.0851,"sentiment":"neutral","sentiment_score":0.04393929988145828},{"text":"Absolutely.","start":1232.145,"end":1232.645,"sentiment":"neutral","sentiment_score":0.07775413990020752},{"text":"And so that sort of means that some of your savings you've got there for your home deposit will probably have to go towards, like, rental expenses and moving expenses for the time being.","start":1233.185,"end":1242.6699,"sentiment":"neutral","sentiment_score":0.03956240747014389}],"sentiment":"neutral","sentiment_score":0.04074486927129328,"channel":0,"num_words":36,"start":1231.5851,"end":1242.6699},{"sentences":[{"text":"yeah.","start":1242.98,"end":1243.48,"sentiment":"neutral","sentiment_score":0.045488953590393066},{"text":"Yeah.","start":1243.5399,"end":1244.02,"sentiment":"neutral","sentiment_score":0.04755568876862526},{"text":"I think","start":1244.02,"end":1244.655,"sentiment":"neutral","sentiment_score":0.03842833638191223}],"sentiment":"neutral","sentiment_score":0.0424753287807107,"channel":1,"num_words":4,"start":1242.98,"end":1244.655},{"sentences":[{"text":"Yeah.","start":1244.73,"end":1245.23,"sentiment":"neutral","sentiment_score":0.07750838994979858},{"text":"Yeah.","start":1245.53,"end":1246.03,"sentiment":"neutral","sentiment_score":0.1305103898048401},{"text":"Well, I'm so sorry to hear that, but, hopefully, your new home is a little bit nicer, and you'll get back into saving again and, hopefully have a deposit to get into a new home in the future.","start":1246.09,"end":1255.595,"sentiment":"positive","sentiment_score":0.3660717875157532}],"sentiment":"positive","sentiment_score":0.3529686676338315,"channel":0,"num_words":40,"start":1244.73,"end":1255.595},{"sentences":[{"text":"so.","start":1255.855,"end":1256.255,"sentiment":"neutral","sentiment_score":0.23113387823104856},{"text":"Yep.","start":1256.255,"end":1256.755,"sentiment":"neutral","sentiment_score":0.1801387071609497}],"sentiment":"neutral","sentiment_score":0.20563629269599915,"channel":1,"num_words":2,"start":1255.855,"end":1256.755},{"sentences":[{"text":"Just so you are aware as well, we do also have access to mortgage brokers, which are completely free to yourself.","start":1256.855,"end":1263.2749,"sentiment":"neutral","sentiment_score":0.13416531752972377},{"text":"We can refer you across to a mortgage broker when and if you are, you know, wanting to look at servicing capacity and looking at buying a home to see what kind of borrowing capacity","start":1264.1349,"end":1273.17,"sentiment":"neutral","sentiment_score":0.11009899164949144}],"sentiment":"neutral","sentiment_score":0.11912386385457856,"channel":0,"num_words":56,"start":1256.855,"end":1273.17},{"sentences":[{"text":"Yep.","start":1273.0751,"end":1273.5751,"sentiment":"neutral","sentiment_score":0.12525448203086853}],"sentiment":"neutral","sentiment_score":0.12525448203086853,"channel":1,"num_words":1,"start":1273.0751,"end":1273.5751},{"sentences":[{"text":"you would have based on your expenses, which can definitely help when you are looking at buying a home, what you might be able to purchase the cost and things like that for you.","start":1273.2301,"end":1282.285,"sentiment":"neutral","sentiment_score":0.15939660085474744},{"text":"Okay?","start":1282.285,"end":1282.785,"sentiment":"neutral","sentiment_score":0.08018917590379715}],"sentiment":"neutral","sentiment_score":0.15713353157043458,"channel":0,"num_words":35,"start":1273.2301,"end":1282.785},{"sentences":[{"text":"Yep.","start":1283.395,"end":1283.895,"sentiment":"neutral","sentiment_score":0.13896451890468595}],"sentiment":"neutral","sentiment_score":0.13896451890468595,"channel":1,"num_words":1,"start":1283.395,"end":1283.895},{"sentences":[{"text":"Fantastic.","start":1284.6051,"end":1285.1051,"sentiment":"positive","sentiment_score":0.4197213053703308},{"text":"Excellent.","start":1285.4851,"end":1285.9851,"sentiment":"positive","sentiment_score":0.40132492780685425},{"text":"Just on that savings account, how much do you have sitting in there at the moment?","start":1286.685,"end":1290.305,"sentiment":"neutral","sentiment_score":0.20170802110806108}],"sentiment":"neutral","sentiment_score":0.2249096983836757,"channel":0,"num_words":18,"start":1284.6051,"end":1290.305},{"sentences":[{"text":"Yeah.","start":1293.9701,"end":1294.2101,"sentiment":"neutral","sentiment_score":0.028499841690063477},{"text":"Not a great lot, but I had about 10,000 the last time we hit.","start":1294.2101,"end":1301.2151,"sentiment":"neutral","sentiment_score":-0.06410309193389756},{"text":"But we hit","start":1301.435,"end":1302.255,"sentiment":"neutral","sentiment_score":-0.012943026920159658}],"sentiment":"neutral","sentiment_score":-0.050431807008054524,"channel":1,"num_words":18,"start":1293.9701,"end":1302.255},{"sentences":[{"text":"Okay.","start":1301.82,"end":1302.32,"sentiment":"neutral","sentiment_score":0.00823216326534748}],"sentiment":"neutral","sentiment_score":0.00823216326534748,"channel":0,"num_words":1,"start":1301.82,"end":1302.32},{"sentences":[{"text":"two years, sir.","start":1302.7151,"end":1303.935,"sentiment":"neutral","sentiment_score":0.03566397478183111}],"sentiment":"neutral","sentiment_score":0.03566397478183111,"channel":1,"num_words":3,"start":1302.7151,"end":1303.935},{"sentences":[{"text":"Yeah.","start":1303.58,"end":1304.08,"sentiment":"neutral","sentiment_score":0.14618253707885742},{"text":"That's okay.","start":1304.46,"end":1305.1799,"sentiment":"neutral","sentiment_score":0.3099209666252136},{"text":"That's actually really good.","start":1305.1799,"end":1306.5599,"sentiment":"positive","sentiment_score":0.5507851094007492},{"text":"Fantastic.","start":1306.62,"end":1307.12,"sentiment":"positive","sentiment_score":0.5284091830253601},{"text":"And if you had to quantify your savings, are you managing to sort of put away on average about 1 to 200 on a weekly or monthly basis, or how would you quantify it realistically?","start":1308.745,"end":1317.805,"sentiment":"neutral","sentiment_score":0.14626087014164244}],"sentiment":"neutral","sentiment_score":0.2003884778119797,"channel":0,"num_words":43,"start":1303.58,"end":1317.805},{"sentences":[{"text":"Yeah.","start":1319.93,"end":1320.25,"sentiment":"neutral","sentiment_score":0.022939123213291168},{"text":"Probably, like, maybe, like, 100 a week, sort of.","start":1320.25,"end":1325.87,"sentiment":"neutral","sentiment_score":0.02735843426651425}],"sentiment":"neutral","sentiment_score":0.02691650316119194,"channel":1,"num_words":10,"start":1319.93,"end":1325.87},{"sentences":[{"text":"Yep.","start":1325.88,"end":1326.38,"sentiment":"neutral","sentiment_score":0.1379968523979187},{"text":"Perfect.","start":1326.6,"end":1327.1,"sentiment":"positive","sentiment_score":0.36922687292099},{"text":"Fantastic.","start":1327.56,"end":1328.06,"sentiment":"positive","sentiment_score":0.4188244342803955},{"text":"Excellent.","start":1328.2001,"end":1328.7001,"sentiment":"positive","sentiment_score":0.4284782409667969},{"text":"Thank you for updating that.","start":1328.76,"end":1330.3,"sentiment":"positive","sentiment_score":0.47857621908187864}],"sentiment":"positive","sentiment_score":0.4163786106639438,"channel":0,"num_words":9,"start":1325.88,"end":1330.3},{"sentences":[{"text":"Obviously, down at the moment with you guys trying to save for a home deposit and moving, additional contributions not might not be something you're wanting to look at.","start":1330.76,"end":1338.6649,"sentiment":"neutral","sentiment_score":0.11625368327930055},{"text":"But down the track, are you open to maybe considering additional contributions to provide a greater boost to your super for that retirement income stream at 65?","start":1338.6649,"end":1347.45,"sentiment":"neutral","sentiment_score":0.16238868429704947}],"sentiment":"neutral","sentiment_score":0.13849734448428666,"channel":0,"num_words":56,"start":1330.76,"end":1347.45},{"sentences":[{"text":"Yeah.","start":1348.24,"end":1348.74,"sentiment":"neutral","sentiment_score":0.08496782183647156}],"sentiment":"neutral","sentiment_score":0.08496782183647156,"channel":1,"num_words":1,"start":1348.24,"end":1348.74},{"sentences":[{"text":"Yep.","start":1349.69,"end":1350.01,"sentiment":"neutral","sentiment_score":0.11549310386180878},{"text":"Beautiful.","start":1350.01,"end":1350.51,"sentiment":"neutral","sentiment_score":0.2982431948184967},{"text":"Especially being as, you know, with your wife not working, it looks like your super is gonna be the main retirement income stream that you would have to focus on.","start":1350.57,"end":1358.09,"sentiment":"neutral","sentiment_score":0.16173636118570964},{"text":"Am I right, or does your wife have something to fall back on?","start":1358.09,"end":1360.99,"sentiment":"neutral","sentiment_score":0.04888048280890171}],"sentiment":"neutral","sentiment_score":0.1311394091281626,"channel":0,"num_words":45,"start":1349.69,"end":1360.99},{"sentences":[{"text":"Yeah.","start":1361.535,"end":1361.775,"sentiment":"neutral","sentiment_score":-0.005671534687280655},{"text":"No.","start":1361.775,"end":1362.015,"sentiment":"neutral","sentiment_score":-0.04683538526296616},{"text":"It's yeah.","start":1362.015,"end":1362.8151,"sentiment":"neutral","sentiment_score":-0.03413979150354862},{"text":"That's","start":1362.8151,"end":1363.135,"sentiment":"neutral","sentiment_score":-0.04484538361430168}],"sentiment":"neutral","sentiment_score":-0.033126377314329145,"channel":1,"num_words":5,"start":1361.535,"end":1363.135},{"sentences":[{"text":"No.","start":1362.905,"end":1363.405,"sentiment":"neutral","sentiment_score":-0.06006797403097153}],"sentiment":"neutral","sentiment_score":-0.06006797403097153,"channel":0,"num_words":1,"start":1362.905,"end":1363.405},{"sentences":[{"text":"right.","start":1363.135,"end":1363.635,"sentiment":"neutral","sentiment_score":-0.023072460666298863}],"sentiment":"neutral","sentiment_score":-0.023072460666298863,"channel":1,"num_words":1,"start":1363.135,"end":1363.635},{"sentences":[{"text":"That's okay.","start":1364.265,"end":1365.165,"sentiment":"neutral","sentiment_score":0.0635011550039053},{"text":"That's okay.","start":1365.3049,"end":1366.105,"sentiment":"neutral","sentiment_score":0.17698736488819122},{"text":"It's not a problem.","start":1366.105,"end":1366.905,"sentiment":"neutral","sentiment_score":0.18811142072081566},{"text":"We can certainly look to help you there.","start":1366.905,"end":1368.4249,"sentiment":"positive","sentiment_score":0.6335225701332092},{"text":"I wanna make sure you guys do enjoy your retirement when you get to that point.","start":1368.4249,"end":1371.785,"sentiment":"positive","sentiment_score":0.69621791690588}],"sentiment":"positive","sentiment_score":0.5450340610696003,"channel":0,"num_words":32,"start":1364.265,"end":1371.785},{"sentences":[{"text":"You are still young enough to, you know, to work hard and build that retirement income stream up.","start":1371.785,"end":1377.44,"sentiment":"positive","sentiment_score":0.4983653740750419},{"text":"I had your goal of 65 for accessing super.","start":1377.44,"end":1380.3999,"sentiment":"neutral","sentiment_score":0.19985484083493552},{"text":"Is that still fairly accurate, do you think, or would you be wanting to retire earlier or later or not really sure?","start":1380.3999,"end":1386.1799,"sentiment":"neutral","sentiment_score":0.01604690919206901}],"sentiment":"neutral","sentiment_score":0.22698576128756515,"channel":0,"num_words":49,"start":1371.785,"end":1386.1799},{"sentences":[{"text":"Not really sure at the moment.","start":1387.4249,"end":1388.8049,"sentiment":"neutral","sentiment_score":-0.1587693877518177}],"sentiment":"neutral","sentiment_score":-0.1587693877518177,"channel":1,"num_words":6,"start":1387.4249,"end":1388.8049},{"sentences":[{"text":"Yep.","start":1389.44,"end":1389.94,"sentiment":"neutral","sentiment_score":0.05046467483043671}],"sentiment":"neutral","sentiment_score":0.05046467483043671,"channel":0,"num_words":1,"start":1389.44,"end":1389.94},{"sentences":[{"text":"Yeah.","start":1389.745,"end":1390.245,"sentiment":"neutral","sentiment_score":0.11686313152313232}],"sentiment":"neutral","sentiment_score":0.11686313152313232,"channel":1,"num_words":1,"start":1389.745,"end":1390.245},{"sentences":[{"text":"That's okay.","start":1390.1599,"end":1391.105,"sentiment":"neutral","sentiment_score":0.20490548759698868}],"sentiment":"neutral","sentiment_score":0.20490548759698868,"channel":0,"num_words":2,"start":1390.1599,"end":1391.105},{"sentences":[{"text":"I think when I'll know when my body tells me","start":1391.4249,"end":1394.77,"sentiment":"neutral","sentiment_score":0.0653333630412817}],"sentiment":"neutral","sentiment_score":0.0653333630412817,"channel":1,"num_words":10,"start":1391.4249,"end":1394.77},{"sentences":[{"text":"That's okay.","start":1395.885,"end":1396.605,"sentiment":"neutral","sentiment_score":0.2112351879477501},{"text":"Are you happy with me utilizing","start":1396.605,"end":1398.145,"sentiment":"neutral","sentiment_score":0.31040818492571515}],"sentiment":"neutral","sentiment_score":0.28561493568122387,"channel":0,"num_words":8,"start":1395.885,"end":1398.145},{"sentences":[{"text":"to.","start":1398.03,"end":1398.53,"sentiment":"neutral","sentiment_score":0.3332708477973938}],"sentiment":"neutral","sentiment_score":0.3332708477973938,"channel":1,"num_words":1,"start":1398.03,"end":1398.53},{"sentences":[{"text":"65 as your goal for the time being, and then we can kinda build on that down the track?","start":1398.285,"end":1402.705,"sentiment":"neutral","sentiment_score":0.30613185857471664}],"sentiment":"neutral","sentiment_score":0.30613185857471664,"channel":0,"num_words":19,"start":1398.285,"end":1402.705},{"sentences":[{"text":"Yeah.","start":1403.07,"end":1403.57,"sentiment":"neutral","sentiment_score":0.16395315527915957}],"sentiment":"neutral","sentiment_score":0.16395315527915957,"channel":1,"num_words":1,"start":1403.07,"end":1403.57},{"sentences":[{"text":"Yeah.","start":1404.26,"end":1404.76,"sentiment":"neutral","sentiment_score":0.2756696939468384},{"text":"Beautiful.","start":1404.82,"end":1405.32,"sentiment":"positive","sentiment_score":0.5964555144309998},{"text":"Excellent.","start":1405.46,"end":1405.96,"sentiment":"positive","sentiment_score":0.6448489427566528},{"text":"And just I've also noted your goal here that you are looking to purchase your a home in the future there as well.","start":1407.22,"end":1413.08,"sentiment":"neutral","sentiment_score":0.3301178372424582},{"text":"I've","start":1413.62,"end":1413.94,"sentiment":"neutral","sentiment_score":0.08151714503765106}],"sentiment":"positive","sentiment_score":0.3404148723240252,"channel":0,"num_words":27,"start":1404.26,"end":1413.94},{"sentences":[{"text":"Yep.","start":1413.725,"end":1414.225,"sentiment":"neutral","sentiment_score":0.05597258359193802}],"sentiment":"neutral","sentiment_score":0.05597258359193802,"channel":1,"num_words":1,"start":1413.725,"end":1414.225},{"sentences":[{"text":"also got down here that your assets wise, your cars, they had a combined value of 60,000.","start":1413.94,"end":1420.365,"sentiment":"neutral","sentiment_score":0.036412194152088725},{"text":"If you think about the two vehicles that you have at the moment, would you still value them about that, or would you alter or change that valuation?","start":1420.365,"end":1426.625,"sentiment":"neutral","sentiment_score":-0.005683351773768663}],"sentiment":"neutral","sentiment_score":0.010219410020444129,"channel":0,"num_words":45,"start":1413.94,"end":1426.625},{"sentences":[{"text":"I'm not probably still leaving about that.","start":1427.89,"end":1430.2301,"sentiment":"neutral","sentiment_score":-0.13209848425218038}],"sentiment":"neutral","sentiment_score":-0.13209848425218038,"channel":1,"num_words":7,"start":1427.89,"end":1430.2301},{"sentences":[{"text":"Yeah.","start":1430.9249,"end":1431.33,"sentiment":"neutral","sentiment_score":0.06204944849014282},{"text":"Beautiful.","start":1431.49,"end":1431.8099,"sentiment":"neutral","sentiment_score":0.19617438316345215},{"text":"And how much rent are you paying at the moment?","start":1431.8099,"end":1433.9099,"sentiment":"neutral","sentiment_score":0.045621204748749734}],"sentiment":"neutral","sentiment_score":0.059536323261757694,"channel":0,"num_words":12,"start":1430.9249,"end":1433.9099},{"sentences":[{"text":"$7.50 a week.","start":1435.245,"end":1436.875,"sentiment":"neutral","sentiment_score":0.012226278893649578}],"sentiment":"neutral","sentiment_score":0.012226278893649578,"channel":1,"num_words":3,"start":1435.245,"end":1436.875},{"sentences":[{"text":"$7.50 per week.","start":1437.33,"end":1438.7699,"sentiment":"neutral","sentiment_score":0.04103014121452967},{"text":"Beautiful.","start":1438.7699,"end":1439.2699,"sentiment":"neutral","sentiment_score":0.17577926814556122},{"text":"Do you both have contents insurance for the contents within the rental home?","start":1439.89,"end":1445.19,"sentiment":"neutral","sentiment_score":0.005993284428348908},{"text":"Not sure.","start":1449.8049,"end":1450.5449,"sentiment":"neutral","sentiment_score":-0.058900365605950356}],"sentiment":"neutral","sentiment_score":0.01363061358662028,"channel":0,"num_words":19,"start":1437.33,"end":1450.5449},{"sentences":[{"text":"Okay.","start":1451.74,"end":1452.24,"sentiment":"neutral","sentiment_score":-0.0015501920133829117}],"sentiment":"neutral","sentiment_score":-0.0015501920133829117,"channel":1,"num_words":1,"start":1451.74,"end":1452.24},{"sentences":[{"text":"That's okay.","start":1453.965,"end":1454.6849,"sentiment":"neutral","sentiment_score":0.05238872766494751},{"text":"That's not a problem at all.","start":1454.6849,"end":1456.3049,"sentiment":"neutral","sentiment_score":0.10428534944852193},{"text":"Even though you are renting, realistically, contents insurance is something to consider because if something was to happen to the property while the owner needs to obviously factor in the the cost of replacing or rebuilding the home, everything inside the home that you own and pay for is still considered, you know, content and still considered an asset and would need to be replaced, which could be an additional con a cost to yourself.","start":1456.445,"end":1480.065,"sentiment":"neutral","sentiment_score":-0.015893936241045594},{"text":"So","start":1480.685,"end":1480.845,"sentiment":"neutral","sentiment_score":0.06508012115955353}],"sentiment":"neutral","sentiment_score":-0.004719946963069517,"channel":0,"num_words":84,"start":1453.965,"end":1480.845},{"sentences":[{"text":"Yep.","start":1480.83,"end":1481.33,"sentiment":"neutral","sentiment_score":0.0916253849864006}],"sentiment":"neutral","sentiment_score":0.0916253849864006,"channel":1,"num_words":1,"start":1480.83,"end":1481.33},{"sentences":[{"text":"it is definitely worth looking at maybe having contents insurance to protect everything you guys have and own.","start":1480.845,"end":1486.305,"sentiment":"neutral","sentiment_score":0.14857370199428666},{"text":"Yeah.","start":1486.525,"end":1487.025,"sentiment":"neutral","sentiment_score":0.08472716808319092}],"sentiment":"neutral","sentiment_score":0.14521335810422897,"channel":0,"num_words":19,"start":1480.845,"end":1487.025},{"sentences":[{"text":"Yep.","start":1486.75,"end":1487.25,"sentiment":"neutral","sentiment_score":0.08444230258464813}],"sentiment":"neutral","sentiment_score":0.08444230258464813,"channel":1,"num_words":1,"start":1486.75,"end":1487.25},{"sentences":[{"text":"That's okay.","start":1488.36,"end":1489.08,"sentiment":"neutral","sentiment_score":0.1379465088248253},{"text":"Do you have any other assets you'd note down?","start":1489.08,"end":1491.4,"sentiment":"neutral","sentiment_score":0.07436363523205121},{"text":"Any other, you know, shares, cryptocurrency, collections, anything else of value?","start":1491.4,"end":1495.82,"sentiment":"neutral","sentiment_score":0.0678461834110997}],"sentiment":"neutral","sentiment_score":0.07688517055728218,"channel":0,"num_words":22,"start":1488.36,"end":1495.82},{"sentences":[{"text":"No.","start":1498.045,"end":1498.545,"sentiment":"neutral","sentiment_score":-0.08566351234912872}],"sentiment":"neutral","sentiment_score":-0.08566351234912872,"channel":1,"num_words":1,"start":1498.045,"end":1498.545},{"sentences":[{"text":"No.","start":1499.24,"end":1499.48,"sentiment":"neutral","sentiment_score":-0.08562277257442474},{"text":"That's okay.","start":1499.48,"end":1500.38,"sentiment":"neutral","sentiment_score":-0.026447721756994724},{"text":"Do you have any large debts, personal loans, credit cards, or any other liabilities to kind of note down?","start":1500.995,"end":1506.4551,"sentiment":"neutral","sentiment_score":-0.04121925750453221}],"sentiment":"neutral","sentiment_score":-0.04189473221247846,"channel":0,"num_words":22,"start":1499.24,"end":1506.4551},{"sentences":[{"text":"No.","start":1508.78,"end":1509.28,"sentiment":"neutral","sentiment_score":-0.17270496487617493}],"sentiment":"neutral","sentiment_score":-0.17270496487617493,"channel":1,"num_words":1,"start":1508.78,"end":1509.28},{"sentences":[{"text":"No.","start":1509.875,"end":1510.035,"sentiment":"neutral","sentiment_score":-0.13609537482261658},{"text":"That's okay.","start":1510.035,"end":1510.8551,"sentiment":"neutral","sentiment_score":0.018667489290237427},{"text":"All good.","start":1510.995,"end":1511.8151,"sentiment":"positive","sentiment_score":0.4418921321630478},{"text":"And the only other thing to sort of consider, sorry, is your estate planning.","start":1513.0751,"end":1518.35,"sentiment":"neutral","sentiment_score":0.015491082066936153},{"text":"Sorry.","start":1519.05,"end":1519.55,"sentiment":"neutral","sentiment_score":-0.034243203699588776}],"sentiment":"neutral","sentiment_score":0.04838279066607356,"channel":0,"num_words":20,"start":1509.875,"end":1519.55},{"sentences":[{"text":"Have you and your wife ever spoken to a solicitor or talked about drawing up a will at all?","start":1520.65,"end":1525.47,"sentiment":"neutral","sentiment_score":-0.03732904742814993}],"sentiment":"neutral","sentiment_score":-0.03732904742814993,"channel":0,"num_words":19,"start":1520.65,"end":1525.47},{"sentences":[{"text":"No.","start":1526.635,"end":1526.795,"sentiment":"neutral","sentiment_score":-0.11355185508728027},{"text":"Not yet.","start":1526.795,"end":1527.535,"sentiment":"neutral","sentiment_score":-0.10372637584805489}],"sentiment":"neutral","sentiment_score":-0.10700153559446335,"channel":1,"num_words":3,"start":1526.635,"end":1527.535},{"sentences":[{"text":"No.","start":1528.41,"end":1528.65,"sentiment":"neutral","sentiment_score":-0.11473846435546876},{"text":"That's okay.","start":1528.65,"end":1529.475,"sentiment":"neutral","sentiment_score":-0.017450785264372826},{"text":"It is definitely worth having the conversation as well, just sort of noting that, you know, your beneficiaries inside Super and your life insurance beneficiaries are there to direct those funds in the event of something happening to you.","start":1529.475,"end":1541.575,"sentiment":"neutral","sentiment_score":0.07791698537766933},{"text":"However, it is also important to consider, you know, what happens to everything else that you own","start":1542.17,"end":1547.23,"sentiment":"neutral","sentiment_score":-0.04051316025502542}],"sentiment":"neutral","sentiment_score":0.03729489272049928,"channel":0,"num_words":59,"start":1528.41,"end":1547.23},{"sentences":[{"text":"Yeah.","start":1548.015,"end":1548.515,"sentiment":"neutral","sentiment_score":-0.06887716054916382}],"sentiment":"neutral","sentiment_score":-0.06887716054916382,"channel":1,"num_words":1,"start":1548.015,"end":1548.515},{"sentences":[{"text":"if you don't have a will in place and you do pass away.","start":1548.09,"end":1550.99,"sentiment":"neutral","sentiment_score":-0.22791021259931418},{"text":"It does end up being in test date, which means that the process everything has to kinda go through a probate process.","start":1551.13,"end":1557.565,"sentiment":"neutral","sentiment_score":-0.13527628881010142},{"text":"It is a legal process, and, essentially, the legal system decides where those funds go to or what happens to everything.","start":1557.565,"end":1563.9049,"sentiment":"neutral","sentiment_score":-0.08731220059451603}],"sentiment":"neutral","sentiment_score":-0.13879405946603843,"channel":0,"num_words":56,"start":1548.09,"end":1563.9049},{"sentences":[{"text":"Yep.","start":1564.5,"end":1565.0,"sentiment":"neutral","sentiment_score":-0.049396008253097534}],"sentiment":"neutral","sentiment_score":-0.049396008253097534,"channel":1,"num_words":1,"start":1564.5,"end":1565.0},{"sentences":[{"text":"Whilst your wife does tend to get most things, it can also make the process slightly harder because other members of the other members of your family or friends can come forward and stake a claim.","start":1564.5249,"end":1575.95,"sentiment":"neutral","sentiment_score":-0.2580708927578396},{"text":"There's no guarantees that they'll get anything, but staking a claim can just make the process very hard on your wife in the event of something happening to you.","start":1576.01,"end":1583.3099,"sentiment":"neutral","sentiment_score":-0.2838117690949604},{"text":"Okay?","start":1583.37,"end":1583.87,"sentiment":"neutral","sentiment_score":0.034039027988910675},{"text":"Excellent.","start":1585.0851,"end":1585.5851,"sentiment":"positive","sentiment_score":0.5210684537887573},{"text":"I've got down here that your beneficiaries are Eileen on your super and your insurances.","start":1585.965,"end":1592.0651,"sentiment":"positive","sentiment_score":0.48033535877863565}],"sentiment":"neutral","sentiment_score":-0.11903604365340094,"channel":0,"num_words":82,"start":1564.5249,"end":1592.0651},{"sentences":[{"text":"You're happy for that a 100% to be paid to her in the event of something occurring?","start":1592.2051,"end":1596.305,"sentiment":"positive","sentiment_score":0.4598836776088266}],"sentiment":"positive","sentiment_score":0.4598836776088266,"channel":0,"num_words":17,"start":1592.2051,"end":1596.305},{"sentences":[{"text":"Yes.","start":1596.92,"end":1597.215,"sentiment":"neutral","sentiment_score":0.1982073485851288}],"sentiment":"neutral","sentiment_score":0.1982073485851288,"channel":1,"num_words":1,"start":1596.92,"end":1597.215},{"sentences":[{"text":"Yeah.","start":1598.07,"end":1598.39,"sentiment":"neutral","sentiment_score":0.2376326024532318},{"text":"Happy wife, happy life.","start":1598.39,"end":1599.51,"sentiment":"positive","sentiment_score":0.4664175361394882},{"text":"Am I right?","start":1599.51,"end":1600.33,"sentiment":"neutral","sentiment_score":0.3076906204223633},{"text":"Excellent.","start":1603.51,"end":1604.01,"sentiment":"positive","sentiment_score":0.5296549797058105},{"text":"All good.","start":1604.15,"end":1604.89,"sentiment":"positive","sentiment_score":0.5657457113265991}],"sentiment":"positive","sentiment_score":0.42613827369429846,"channel":0,"num_words":11,"start":1598.07,"end":1604.89},{"sentences":[{"text":"I'm glad that's all up to date there for you.","start":1605.03,"end":1607.35,"sentiment":"positive","sentiment_score":0.6649307608604431},{"text":"Now the last thing I wanted to do was just to go through a quick risk profile questionnaire just to sort of gather whether you're invested correctly or not.","start":1607.35,"end":1614.165,"sentiment":"neutral","sentiment_score":0.10687089377436144},{"text":"Realistically, with your agent stage, that high growth environment still suits where you're at, but just wanting to make sure that does suit you personally as well.","start":1614.165,"end":1622.025,"sentiment":"neutral","sentiment_score":0.2883381115065681}],"sentiment":"neutral","sentiment_score":0.26566200816270075,"channel":0,"num_words":66,"start":1605.03,"end":1622.025},{"sentences":[{"text":"Yep.","start":1622.7101,"end":1623.2101,"sentiment":"neutral","sentiment_score":0.07773328572511673}],"sentiment":"neutral","sentiment_score":0.07773328572511673,"channel":1,"num_words":1,"start":1622.7101,"end":1623.2101},{"sentences":[{"text":"The first question here is basically asking you about inflation.","start":1623.2001,"end":1627.38,"sentiment":"neutral","sentiment_score":0.007205612282268703},{"text":"So how much risk do you consider yourself comfortable to take in order to get higher levels of returns?","start":1628.0801,"end":1634.5,"sentiment":"neutral","sentiment_score":-0.004180939524973694},{"text":"Are you comfortable taking on a higher level of risk to make sure your returns are outpacing inflation so you can see yourself comfortable taking a moderate or medium amount of risk to keep up have your returns keep up with inflation, or are you only comfortable taking a small amount of risk knowing the returns are lower because of that?","start":1634.985,"end":1653.06,"sentiment":"neutral","sentiment_score":0.008177082130654913},{"text":"How do you think you fit?","start":1653.06,"end":1654.36,"sentiment":"neutral","sentiment_score":0.021162858543296654}],"sentiment":"neutral","sentiment_score":0.006441639927894964,"channel":0,"num_words":96,"start":1623.2001,"end":1654.36},{"sentences":[{"text":"May I probably see the second?","start":1660.115,"end":1661.815,"sentiment":"neutral","sentiment_score":0.01130621243889133}],"sentiment":"neutral","sentiment_score":0.01130621243889133,"channel":1,"num_words":6,"start":1660.115,"end":1661.815},{"sentences":[{"text":"The second one?","start":1662.5449,"end":1663.345,"sentiment":"neutral","sentiment_score":0.014883339715500673},{"text":"Yep.","start":1663.345,"end":1663.585,"sentiment":"neutral","sentiment_score":0.07755543291568756},{"text":"You can always go in between as well if you're comfortable wanting to do that.","start":1663.585,"end":1667.2849,"sentiment":"neutral","sentiment_score":0.06641203413407008}],"sentiment":"neutral","sentiment_score":0.058862419161749516,"channel":0,"num_words":19,"start":1662.5449,"end":1667.2849},{"sentences":[{"text":"Yeah.","start":1667.7949,"end":1668.2949,"sentiment":"neutral","sentiment_score":0.12430661916732788}],"sentiment":"neutral","sentiment_score":0.12430661916732788,"channel":1,"num_words":1,"start":1667.7949,"end":1668.2949},{"sentences":[{"text":"Yep.","start":1669.105,"end":1669.605,"sentiment":"neutral","sentiment_score":0.20497962832450867},{"text":"Beautiful.","start":1669.6649,"end":1670.1649,"sentiment":"positive","sentiment_score":0.6503396034240723},{"text":"Excellent.","start":1670.385,"end":1670.885,"sentiment":"positive","sentiment_score":0.6773884296417236},{"text":"The next one here is if you saw your super fall by 20%, how do you think you might react?","start":1671.6649,"end":1676.49,"sentiment":"neutral","sentiment_score":0.013596140686422587},{"text":"Are you more inclined to see it as an investment opportunity and put some money into the dip?","start":1676.57,"end":1681.3099,"sentiment":"neutral","sentiment_score":-0.035651282924744815}],"sentiment":"neutral","sentiment_score":0.02836359469447194,"channel":0,"num_words":41,"start":1669.105,"end":1681.3099},{"sentences":[{"text":"Are you likely to hold and wait and call us, or are you a bit concerned and maybe wanting to sell your investments to cash?","start":1681.53,"end":1688.01,"sentiment":"neutral","sentiment_score":-0.09411469995975494},{"text":"How do you think you might react?","start":1688.01,"end":1689.315,"sentiment":"neutral","sentiment_score":-0.04175910194005285}],"sentiment":"neutral","sentiment_score":-0.08266191289294511,"channel":0,"num_words":32,"start":1681.53,"end":1689.315},{"sentences":[{"text":"Probably just like","start":1691.225,"end":1692.285,"sentiment":"neutral","sentiment_score":-0.026906442518035572}],"sentiment":"neutral","sentiment_score":-0.026906442518035572,"channel":1,"num_words":3,"start":1691.225,"end":1692.285},{"sentences":[{"text":"How do sorry.","start":1696.595,"end":1697.735,"sentiment":"neutral","sentiment_score":-0.07927577942609787}],"sentiment":"neutral","sentiment_score":-0.07927577942609787,"channel":0,"num_words":3,"start":1696.595,"end":1697.735},{"sentences":[{"text":"The second one, what you see.","start":1700.63,"end":1702.3301,"sentiment":"neutral","sentiment_score":-0.016942793503403664}],"sentiment":"neutral","sentiment_score":-0.016942793503403664,"channel":1,"num_words":6,"start":1700.63,"end":1702.3301},{"sentences":[{"text":"Does that yeah.","start":1702.19,"end":1703.15,"sentiment":"neutral","sentiment_score":0.009762394552429518},{"text":"You're right.","start":1703.15,"end":1703.63,"sentiment":"neutral","sentiment_score":0.14019323140382767},{"text":"Give us a call and see what we suggest you do.","start":1703.63,"end":1705.97,"sentiment":"neutral","sentiment_score":0.08499424261125652},{"text":"Good answer.","start":1707.63,"end":1708.27,"sentiment":"positive","sentiment_score":0.38928693532943726},{"text":"That's what you have us for.","start":1708.27,"end":1709.73,"sentiment":"neutral","sentiment_score":0.28135647376378375}],"sentiment":"neutral","sentiment_score":0.15463845951793095,"channel":0,"num_words":24,"start":1702.19,"end":1709.73},{"sentences":[{"text":"Yep.","start":1710.495,"end":1710.995,"sentiment":"neutral","sentiment_score":0.07847638428211212}],"sentiment":"neutral","sentiment_score":0.07847638428211212,"channel":1,"num_words":1,"start":1710.495,"end":1710.995},{"sentences":[{"text":"And the last one here is have you ever seen your super fall in value?","start":1711.07,"end":1714.59,"sentiment":"neutral","sentiment_score":-0.023223955929279328},{"text":"If you have in the past, how do you think that makes you feel?","start":1714.59,"end":1718.265,"sentiment":"neutral","sentiment_score":-0.01788675824978522},{"text":"Are you optimistic about the investment opportunities?","start":1718.265,"end":1720.765,"sentiment":"neutral","sentiment_score":0.0024221715118203846},{"text":"Are you feeling cautious, concerned, or a bit anxious about the market dipping?","start":1721.3049,"end":1725.145,"sentiment":"neutral","sentiment_score":-0.14730330270070296},{"text":"How do you think you might feel?","start":1725.145,"end":1726.765,"sentiment":"neutral","sentiment_score":-0.04149827334497656}],"sentiment":"neutral","sentiment_score":-0.04977231432816812,"channel":0,"num_words":56,"start":1711.07,"end":1726.765},{"sentences":[{"text":"Yeah.","start":1732.62,"end":1733.1,"sentiment":"neutral","sentiment_score":-0.02222931571304798},{"text":"Probably, say, seek an answer again, maybe.","start":1733.1,"end":1737.135,"sentiment":"neutral","sentiment_score":-0.03687458618410996}],"sentiment":"neutral","sentiment_score":-0.03504392737522721,"channel":1,"num_words":8,"start":1732.62,"end":1737.135},{"sentences":[{"text":"Yeah.","start":1737.2999,"end":1737.7,"sentiment":"neutral","sentiment_score":0.064520925283432},{"text":"Absolutely.","start":1737.7,"end":1738.2,"sentiment":"neutral","sentiment_score":0.19621403515338895},{"text":"Perfect.","start":1738.6599,"end":1739.1599,"sentiment":"neutral","sentiment_score":0.29418832063674927},{"text":"And then the last one is, have you ever considered borrowing for, say, investing in shares or managed funds, or would you only ever borrow property?","start":1740.74,"end":1748.855,"sentiment":"neutral","sentiment_score":0.039617037830444485}],"sentiment":"neutral","sentiment_score":0.054654009126383685,"channel":0,"num_words":29,"start":1737.2999,"end":1748.855},{"sentences":[{"text":"Property.","start":1753.28,"end":1753.78,"sentiment":"neutral","sentiment_score":0.01985432207584381}],"sentiment":"neutral","sentiment_score":0.01985432207584381,"channel":1,"num_words":1,"start":1753.28,"end":1753.78},{"sentences":[{"text":"Yep.","start":1754.6749,"end":1754.995,"sentiment":"neutral","sentiment_score":0.03988577425479889},{"text":"Are you open to invest buying just your main primary residence down the track, or are you open to having an investment down the track, or what's your sort of thoughts?","start":1754.995,"end":1763.5599,"sentiment":"neutral","sentiment_score":0.03648226588003097}],"sentiment":"neutral","sentiment_score":0.03658862551674247,"channel":0,"num_words":32,"start":1754.6749,"end":1763.5599},{"sentences":[{"text":"Hello.","start":1768.105,"end":1768.425,"sentiment":"neutral","sentiment_score":0.016860714182257652},{"text":"Maybe investment.","start":1768.425,"end":1769.405,"sentiment":"neutral","sentiment_score":0.02087050210684538}],"sentiment":"neutral","sentiment_score":0.019533906131982803,"channel":1,"num_words":3,"start":1768.105,"end":1769.405},{"sentences":[{"text":"Yep.","start":1770.34,"end":1770.765,"sentiment":"neutral","sentiment_score":0.06038907915353775},{"text":"Yep.","start":1770.845,"end":1771.085,"sentiment":"neutral","sentiment_score":0.1052304208278656},{"text":"That's okay.","start":1771.085,"end":1771.745,"sentiment":"neutral","sentiment_score":0.2799028307199478},{"text":"Beautiful.","start":1771.805,"end":1772.305,"sentiment":"positive","sentiment_score":0.6388401389122009},{"text":"Fantastic.","start":1772.605,"end":1773.105,"sentiment":"positive","sentiment_score":0.6422984004020691}],"sentiment":"positive","sentiment_score":0.33442728345592815,"channel":0,"num_words":6,"start":1770.34,"end":1773.105},{"sentences":[{"text":"Now with what you scored there, you have scored as a growth investor.","start":1774.365,"end":1778.9451,"sentiment":"neutral","sentiment_score":0.30006909972200024},{"text":"At the moment, we have you in more of that high growth environment, which sees about 90% of your super invested in growth assets.","start":1779.485,"end":1786.26,"sentiment":"neutral","sentiment_score":0.06692000137021144},{"text":"So think about things like Australian and international shares, listed property and commodities, and then the end of 10% in lower risk defensive investments.","start":1786.26,"end":1794.76,"sentiment":"neutral","sentiment_score":0.06138868676498532},{"text":"With where you scored at the moment would see us reduce your risk back a little bit by 10% to see 80% invested in those higher risk investments.","start":1795.3,"end":1803.375,"sentiment":"neutral","sentiment_score":0.08998130168765783},{"text":"Realistically, for your time, your stage, and your time horizon, you absolutely can be in that high growth environment longer.","start":1804.155,"end":1811.055,"sentiment":"neutral","sentiment_score":0.2065824419260025}],"sentiment":"neutral","sentiment_score":0.12505901006793757,"channel":0,"num_words":109,"start":1774.365,"end":1811.055},{"sentences":[{"text":"It's more about this understanding that that takes on a little bit more risk in the market to get greater potential returns.","start":1811.2699,"end":1817.2899,"sentiment":"neutral","sentiment_score":0.07968138242987069},{"text":"Realistically, a high growth portfolio, you're wanting to try and average around about eight to 10% on a yearly basis compounding that forward.","start":1817.99,"end":1826.0099,"sentiment":"neutral","sentiment_score":0.0686999011946761},{"text":"We do know that you are expecting a negative likely the likelihood of a negative return around about one in every five years, but it does suit your time horizon.","start":1826.565,"end":1835.765,"sentiment":"neutral","sentiment_score":-0.00772344246506691},{"text":"You do have more than eight years ahead of you before accessing Super.","start":1835.765,"end":1839.145,"sentiment":"neutral","sentiment_score":0.03856636841709797},{"text":"Did you wanna stay in that high growth environment for longer, or did you wanna look at maybe reducing your risk level back there, Malcolm?","start":1839.8099,"end":1845.89,"sentiment":"neutral","sentiment_score":0.047516042292118074}],"sentiment":"neutral","sentiment_score":0.04239512136024711,"channel":0,"num_words":113,"start":1811.2699,"end":1845.89},{"sentences":[{"text":"How do you feel?","start":1845.89,"end":1846.87,"sentiment":"neutral","sentiment_score":0.01942200306802988}],"sentiment":"neutral","sentiment_score":0.01942200306802988,"channel":0,"num_words":4,"start":1845.89,"end":1846.87},{"sentences":[{"text":"No.","start":1849.28,"end":1849.36,"sentiment":"neutral","sentiment_score":-0.2437901496887207},{"text":"I don't feel comfortable.","start":1849.36,"end":1850.925,"sentiment":"negative","sentiment_score":-0.3843545615673065}],"sentiment":"negative","sentiment_score":-0.35624167919158933,"channel":1,"num_words":5,"start":1849.28,"end":1850.925},{"sentences":[{"text":"You feel comfortable?","start":1851.6499,"end":1852.5499,"sentiment":"neutral","sentiment_score":-0.18485253055890402},{"text":"Yeah.","start":1852.61,"end":1852.85,"sentiment":"neutral","sentiment_score":0.0831545740365982},{"text":"Absolutely.","start":1852.85,"end":1853.35,"sentiment":"neutral","sentiment_score":0.19067975878715515},{"text":"Not a problem at all.","start":1853.57,"end":1855.005,"sentiment":"neutral","sentiment_score":0.24506233334541322},{"text":"Well, just sort of recapping and moving forward, I'll send you an email after the call just outlining the insurance side of things for you just to give you a bit more clarity there.","start":1855.085,"end":1863.345,"sentiment":"neutral","sentiment_score":0.14117156604633613}],"sentiment":"neutral","sentiment_score":0.13055503757839854,"channel":0,"num_words":44,"start":1851.6499,"end":1863.345},{"sentences":[{"text":"We'll hold on.","start":1864.045,"end":1865.085,"sentiment":"neutral","sentiment_score":0.09243024637301762},{"text":"There's no new advice to sort of worry about currently, but we will sort of catch up in about six months just to kinda review that and see whether new advice is required down the track.","start":1865.085,"end":1875.0499,"sentiment":"neutral","sentiment_score":0.05249590985476971},{"text":"We'll sort of watch your soup soup.","start":1875.0499,"end":1877.0499,"sentiment":"neutral","sentiment_score":0.09596727256264005},{"text":"And now that we've made that switch of the investments for you as well, does that sound okay?","start":1877.0499,"end":1881.69,"sentiment":"neutral","sentiment_score":0.15424898432360756},{"text":"Are you comfortable with that?","start":1881.69,"end":1882.8899,"sentiment":"neutral","sentiment_score":0.09723938703536987}],"sentiment":"neutral","sentiment_score":0.0884288848526236,"channel":0,"num_words":69,"start":1864.045,"end":1882.8899},{"sentences":[{"text":"Did did I miss anything?","start":1882.8899,"end":1884.1699,"sentiment":"neutral","sentiment_score":0.04591943323612213},{"text":"Is there anything else that you maybe wanted to ask me while you do have me here?","start":1884.1699,"end":1888.035,"sentiment":"neutral","sentiment_score":0.06239211931824684}],"sentiment":"neutral","sentiment_score":0.05864832702685486,"channel":0,"num_words":22,"start":1882.8899,"end":1888.035},{"sentences":[{"text":"No.","start":1888.525,"end":1889.025,"sentiment":"neutral","sentiment_score":0.0880960151553154},{"text":"Sure.","start":1889.565,"end":1889.805,"sentiment":"neutral","sentiment_score":0.22676271200180056},{"text":"It sounds pretty pretty good to me.","start":1889.805,"end":1891.745,"sentiment":"positive","sentiment_score":0.4145402950899942}],"sentiment":"positive","sentiment_score":0.35740453253189725,"channel":1,"num_words":9,"start":1888.525,"end":1891.745},{"sentences":[{"text":"Oh, fantastic.","start":1891.9349,"end":1892.995,"sentiment":"positive","sentiment_score":0.6019572019577026},{"text":"Thank you so much.","start":1893.0549,"end":1893.855,"sentiment":"positive","sentiment_score":0.6421615481376648},{"text":"So when you get an opportunity, if you can sign that annual review pack and grab that back to me, that'd be fabulous.","start":1893.855,"end":1898.815,"sentiment":"positive","sentiment_score":0.43126313323559967},{"text":"It allows us to continue working as your adviser.","start":1898.815,"end":1901.45,"sentiment":"positive","sentiment_score":0.542304641670651},{"text":"I'll","start":1901.9099,"end":1902.07,"sentiment":"neutral","sentiment_score":0.18995261192321777}],"sentiment":"positive","sentiment_score":0.48108479609856236,"channel":0,"num_words":39,"start":1891.9349,"end":1902.07},{"sentences":[{"text":"Yes.","start":1901.9601,"end":1902.4601,"sentiment":"neutral","sentiment_score":0.1696796715259552}],"sentiment":"neutral","sentiment_score":0.1696796715259552,"channel":1,"num_words":1,"start":1901.9601,"end":1902.4601},{"sentences":[{"text":"put something in my calendar to touch base.","start":1902.07,"end":1904.07,"sentiment":"positive","sentiment_score":0.3465730771422386},{"text":"And once you get that email, if you do have additional questions around the insurances, please let me know.","start":1904.07,"end":1909.11,"sentiment":"neutral","sentiment_score":0.1815385791031938},{"text":"I can make more time to sort of touch base and and answer those additional questions for you as well.","start":1909.11,"end":1914.63,"sentiment":"neutral","sentiment_score":0.2840141475200653},{"text":"Okay?","start":1914.63,"end":1915.13,"sentiment":"neutral","sentiment_score":0.13878725469112396}],"sentiment":"neutral","sentiment_score":0.2508518296914796,"channel":0,"num_words":48,"start":1902.07,"end":1915.13},{"sentences":[{"text":"Okay.","start":1915.885,"end":1916.385,"sentiment":"neutral","sentiment_score":0.24110563099384308}],"sentiment":"neutral","sentiment_score":0.24110563099384308,"channel":1,"num_words":1,"start":1915.885,"end":1916.385},{"sentences":[{"text":"Thank you so much for your time.","start":1917.255,"end":1918.615,"sentiment":"positive","sentiment_score":0.8096053600311279},{"text":"I hope you have a lovely afternoon.","start":1918.615,"end":1920.555,"sentiment":"positive","sentiment_score":0.8036814332008362}],"sentiment":"positive","sentiment_score":0.8066433966159821,"channel":0,"num_words":14,"start":1917.255,"end":1920.555},{"sentences":[{"text":"You too.","start":1921.41,"end":1921.81,"sentiment":"positive","sentiment_score":0.5774257183074951},{"text":"Thank you.","start":1921.81,"end":1922.63,"sentiment":"positive","sentiment_score":0.7456945776939392}],"sentiment":"positive","sentiment_score":0.6615601480007172,"channel":1,"num_words":4,"start":1921.41,"end":1922.63},{"sentences":[{"text":"My pleasure.","start":1923.255,"end":1924.055,"sentiment":"positive","sentiment_score":0.7804112434387207},{"text":"Enjoy your day, Malcolm.","start":1924.055,"end":1925.3351,"sentiment":"positive","sentiment_score":0.7946034669876099},{"text":"Thank you for taking my call.","start":1925.3351,"end":1927.015,"sentiment":"positive","sentiment_score":0.7819198866685232},{"text":"See","start":1927.015,"end":1927.255,"sentiment":"positive","sentiment_score":0.4547994136810303}],"sentiment":"positive","sentiment_score":0.7604273145015423,"channel":0,"num_words":13,"start":1923.255,"end":1927.255},{"sentences":[{"text":"Thank","start":1927.17,"end":1927.41,"sentiment":"positive","sentiment_score":0.5554606914520264}],"sentiment":"positive","sentiment_score":0.5554606914520264,"channel":1,"num_words":1,"start":1927.17,"end":1927.41},{"sentences":[{"text":"you","start":1927.255,"end":1927.415,"sentiment":"positive","sentiment_score":0.7393251061439514}],"sentiment":"positive","sentiment_score":0.7393251061439514,"channel":0,"num_words":1,"start":1927.255,"end":1927.415},{"sentences":[{"text":"you.","start":1927.41,"end":1927.91,"sentiment":"positive","sentiment_score":0.5193288326263428}],"sentiment":"positive","sentiment_score":0.5193288326263428,"channel":1,"num_words":1,"start":1927.41,"end":1927.91},{"sentences":[{"text":"later.","start":1927.415,"end":1927.915,"sentiment":"positive","sentiment_score":0.35124897956848145}],"sentiment":"positive","sentiment_score":0.35124897956848145,"channel":0,"num_words":1,"start":1927.415,"end":1927.915},{"sentences":[{"text":"Bye bye.","start":1928.13,"end":1928.87,"sentiment":"neutral","sentiment_score":0.26065675914287567}],"sentiment":"neutral","sentiment_score":0.26065675914287567,"channel":1,"num_words":2,"start":1928.13,"end":1928.87},{"sentences":[{"text":"Thanks.","start":1929.255,"end":1929.755,"sentiment":"neutral","sentiment_score":-0.1194065287709236}],"sentiment":"neutral","sentiment_score":-0.1194065287709236,"channel":0,"num_words":1,"start":1929.255,"end":1929.755}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with customers about their annual reviews and offer information on investment portfolios and benefits. They emphasize the importance of regular review and reducing risk levels in order to provide diversification in risk management. The agents also discuss the benefits of income protection and offer advice on managing risk levels and retirement goals. They conduct risk profile questionnaire and reassure customers about their investment in a high growth environment. The customer is given time to review information and receive advice on reducing risk levels and reviewing their investment strategy."},"intents":{"segments":[{"text":"I had you booked in to go through your annual review. Is now still a good time there for you? Yeah.","start_word":15,"end_word":35,"intents":[{"intent":"Schedule annual review","confidence_score":0.0642913}]},{"text":"So with this one here, it is showing you on the second page how your portfolio has performed.","start_word":478,"end_word":495,"intents":[{"intent":"Show portfolio performance","confidence_score":0.012601233}]},{"text":"We sent that email back in March to let you know we had been looking at the investments and had noticed that this was an underperforming fund, so we wanted to remove that out of your portfolio.","start_word":866,"end_word":902,"intents":[{"intent":"Removing investment portfolio","confidence_score":0.007649062}]},{"text":"It is important that we review portfolios regularly because investors that worked a couple of years ago might not be working now, and different investments need to be switched out and changed as you work towards your long term goals of retirement there.","start_word":903,"end_word":945,"intents":[{"intent":"Changing investments","confidence_score":0.018700901}]},{"text":"So we actually removed the Benelon Australian Equities, and we replaced it with the BetaShares a 200.","start_word":946,"end_word":962,"intents":[{"intent":"Removing benelon asian equities","confidence_score":0.0027793543}]},{"text":"So, look, it has I wanna keep sort of monitoring things there for you because we have just made this change to your portfolio. Depending on how the rest of the review goes, I definitely wanna maybe catch up in about six months with you just to see how things are tracking and look at whether we need to update any advice then for you and maybe update the portfolio as well. Does that sound okay? Yep.","start_word":1179,"end_word":1255,"intents":[{"intent":"Update portfolio","confidence_score":0.31657884},{"intent":"Provide updates","confidence_score":0.000028456865}]},{"text":"About 481,456 that could be paid out as a life benefit.","start_word":1399,"end_word":1409,"intents":[{"intent":"Explain benefits","confidence_score":0.013962364}]},{"text":"About 481,456 that could be paid out as a life benefit. Between Yep. your life insurance and your sleeper, does that feel comfortable for you? Did you wanna review that amount, or what's your thought? No.","start_word":1399,"end_word":1434,"intents":[{"intent":"Review benefit amount","confidence_score":0.03205155},{"intent":"Review benefits","confidence_score":0.0078090066}]},{"text":"Did you wanna review that amount, or what's your thought? No.","start_word":1423,"end_word":1433,"intents":[{"intent":"Review tpd definition","confidence_score":0.0000471766}]},{"text":"But looking at that benefit amount, are you fairly comfortable with the level of TBD you have?","start_word":1746,"end_word":1762,"intents":[{"intent":"Discuss benefits level","confidence_score":0.023377992}]},{"text":"But looking at that benefit amount, are you fairly comfortable with the level of TBD you have? Do you think you would need to maybe have more cover, or what's your thoughts?","start_word":1746,"end_word":1777,"intents":[{"intent":"Discuss level of cover","confidence_score":0.027223602}]},{"text":"So if we sort of look at income replacement based on the benefit you have at the moment, and if we divide that by your current income, it would replace income for about four years.","start_word":1893,"end_word":1927,"intents":[{"intent":"Discuss income replacement","confidence_score":0.28075576},{"intent":"Discuss income replacement","confidence_score":0.2900451}]},{"text":"It'd be about whether you could go back to work, whether or not you could, you know, claim on Centrelink and things like that.","start_word":2050,"end_word":2073,"intents":[{"intent":"Consider return to work","confidence_score":0.008295399}]},{"text":"If you do, you're welcome to let me know. Yeah.","start_word":2125,"end_word":2134,"intents":[{"intent":"Request response","confidence_score":0.00024744798}]},{"text":"Well, thank you so much for clarifying that. As I said, I'll send you an email after the call just clarifying the information around the insurance side of things, and you're Yep. welcome to come back and let me know if there are any questions that you have or if you and your wife discover that you might wanna review those levels of cover. Okay? Okay.","start_word":2556,"end_word":2621,"intents":[{"intent":"Inquire about insurance coverage","confidence_score":0.0049074017}]},{"text":"So we just wanna review those with with you on a regular basis.","start_word":2884,"end_word":2896,"intents":[{"intent":"Review and review coverage certificates","confidence_score":0.005224891},{"intent":"Review and discuss fees","confidence_score":0.0011471815}]},{"text":"We also do have attached the ongoing service agreement. So to keep us as your servicing adviser and keep us looking after your suit for the insurances and helping you provide advice long term to meet your goals, we do charge an ongoing service fee for doing so.","start_word":2977,"end_word":3024,"intents":[{"intent":"Assist with service fees","confidence_score":0.0024619843}]},{"text":"You've confirmed your income's about 120,000 for the year. Is that still correct?","start_word":3220,"end_word":3232,"intents":[{"intent":"Confirm income","confidence_score":0.5380072}]},{"text":"How do you sort of find things at the moment?","start_word":3307,"end_word":3316,"intents":[{"intent":"Find items","confidence_score":0.08364606}]},{"text":"Are you putting a set amount away every week to sort of help with that, or is it just whatever you have available at the end of the week? yeah.","start_word":3344,"end_word":3373,"intents":[{"intent":"Set aside money","confidence_score":0.016659752}]},{"text":"So you're having to try and find something else for the time being. Yeah.","start_word":3441,"end_word":3454,"intents":[{"intent":"Find other hobbies","confidence_score":0.0005379535}]},{"text":"Have you found anything that you like that you're sort of looking to move into for the time being?","start_word":3468,"end_word":3486,"intents":[{"intent":"Find home","confidence_score":0.002349048}]},{"text":"I had your goal of 65 for accessing super. Is that still fairly accurate, do you think, or would you be wanting to retire earlier or later or not really sure?","start_word":3954,"end_word":3984,"intents":[{"intent":"Use 65 as goal","confidence_score":0.29399076}]},{"text":"Is that still fairly accurate, do you think, or would you be wanting to retire earlier or later or not really sure?","start_word":3963,"end_word":3984,"intents":[{"intent":"Retire earlier or later","confidence_score":0.005848632}]},{"text":"also got down here that your assets wise, your cars, they had a combined value of 60,000. If you think about the two vehicles that you have at the moment, would you still value them about that, or would you alter or change that valuation?","start_word":4062,"end_word":4106,"intents":[{"intent":"Obtain valuation","confidence_score":0.0049422653}]},{"text":"Do you both have contents insurance for the contents within the rental home? Not sure. Okay.","start_word":4133,"end_word":4148,"intents":[{"intent":"Consider contents insurance","confidence_score":0.13781025}]},{"text":"Do you have any other assets you'd note down? Any other, you know, shares, cryptocurrency, collections, anything else of value? No.","start_word":4256,"end_word":4276,"intents":[{"intent":"Note other assets","confidence_score":0.052761436}]},{"text":"Do you have any large debts, personal loans, credit cards, or any other liabilities to kind of note down?","start_word":4281,"end_word":4299,"intents":[{"intent":"Assess assets","confidence_score":0.00090088916}]},{"text":"Are you more inclined to see it as an investment opportunity and put some money into the dip? Are you likely to hold and wait and call us, or are you a bit concerned and maybe wanting to sell your investments to cash? How do you think you might react?","start_word":4782,"end_word":4831,"intents":[{"intent":"Assess investor preferences","confidence_score":0.013921115}]},{"text":"I don't feel comfortable. You feel comfortable? Yeah.","start_word":5231,"end_word":5238,"intents":[{"intent":"Evaluate investment comfort","confidence_score":0.018770684}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Malcolm. This is Dana from Oakview Financial. How are you today?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.22921717166900635},{"text":"That's good. I had you booked in to go through your annual review. Is now still a good time there for you?","start_word":13,"end_word":34,"sentiment":"positive","sentiment_score":0.47054776549339294},{"text":"Yeah. Hold. Yep. Yeah. Oh, good. I'm so sorry. Did you need a second to I do apologize. No. No. No. All good. Oh, good.","start_word":35,"end_word":59,"sentiment":"neutral","sentiment_score":0.029963966459035873},{"text":"Fantastic.","start_word":60,"end_word":60,"sentiment":"positive","sentiment_score":0.5674246549606323},{"text":"Before we jump into the call then, Malcolm, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Three days.","start_word":61,"end_word":95,"sentiment":"neutral","sentiment_score":0.20109154284000397},{"text":"Fan fantastic.","start_word":96,"end_word":97,"sentiment":"positive","sentiment_score":0.6769745349884033},{"text":"And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file. Malcolm Davis. 6 Yep. o'clock nineteen ninety. Yep. 43 Kelly Andrew Lane, Farfetch. Legend.","start_word":98,"end_word":141,"sentiment":"neutral","sentiment_score":0.15420541167259216},{"text":"Thank you so much for that.","start_word":142,"end_word":147,"sentiment":"positive","sentiment_score":0.603265643119812},{"text":"Malcolm, as part of your annual review, we do normally send through some documents to you so you can look at them as I'm going through things. Are you able to look at your emails? If you can't, that's okay. Yep. Give me a sec. Yeah. You're right. I'm just gonna press send on this one and send it to you there now.","start_word":148,"end_word":210,"sentiment":"neutral","sentiment_score":0.10706082731485368},{"text":"Beautiful.","start_word":211,"end_word":211,"sentiment":"positive","sentiment_score":0.44638481736183167},{"text":"How's your day been so far? Pretty quiet. I said work, but, yeah, it's been pretty quiet. Yeah. I mean, quiet. It's probably not a bad thing sometimes. Yeah. Yeah. Okay. Alright.","start_word":212,"end_word":243,"sentiment":"neutral","sentiment_score":0.0830291286110878},{"text":"Perfect.","start_word":244,"end_word":244,"sentiment":"positive","sentiment_score":0.4069942831993103},{"text":"I've sent that one through to you there. Now it should come through from Odoo sign, or it should have my name and email there. So dana@opfinancial. Yeah. I'll I'll I'll I'll open it up. Got it.","start_word":245,"end_word":281,"sentiment":"neutral","sentiment_score":0.17290394008159635},{"text":"Oh, fantastic. Excellent.","start_word":282,"end_word":284,"sentiment":"positive","sentiment_score":0.4416623115539551},{"text":"So when you open it up, you just press the little sign button so it takes you through so you can review the documents there. But Mhmm. I'll never ask you to sign them until you're happy and that you've gone through them. I'll make sure you go through them first. Okay? Yep.","start_word":285,"end_word":337,"sentiment":"neutral","sentiment_score":0.1415895347325307},{"text":"Excellent.","start_word":338,"end_word":338,"sentiment":"positive","sentiment_score":0.6685891151428223},{"text":"Now the first document you should see there is a summary of superannuation and insurances as of the August 19 there.","start_word":339,"end_word":359,"sentiment":"neutral","sentiment_score":0.33158358931541443},{"text":"So it does have an updated balance, your balance in super.","start_word":360,"end_word":370,"sentiment":"positive","sentiment_score":0.37900346517562866},{"text":"And when I look back to the last annual review you completed with us, essentially, your balance then was sitting at 93,504 and 57<unk>.","start_word":371,"end_word":396,"sentiment":"neutral","sentiment_score":0.27486565709114075},{"text":"Your balance is now up to over a 103,422 and 6<unk> there. So we have seen a bit of an increase within your super, which is good to see.","start_word":396,"end_word":426,"sentiment":"positive","sentiment_score":0.4891753494739533},{"text":"Yes. Yeah. The next page, if you click the next button or it should be a little button at the top that allows you to go to the next document, you have the asset performance detail report there. That's your portfolio report for your Netwealth Superfund. Can you see that one? Yep. Yeah.","start_word":426,"end_word":479,"sentiment":"neutral","sentiment_score":0.141423299908638},{"text":"Fantastic. So with this one here, it is showing you on the second page how your portfolio has performed.","start_word":479,"end_word":498,"sentiment":"positive","sentiment_score":0.3722219467163086},{"text":"Now this year, there has been a lot of ups and downs in the market with everything that's been going on, especially with The US and the Iran war. But then here in Australia, we've also had high inflationary rates there.","start_word":498,"end_word":539,"sentiment":"neutral","sentiment_score":-0.0005263388156890869},{"text":"Your portfolio has essentially shown it has a positive return, net of fees.","start_word":539,"end_word":552,"sentiment":"positive","sentiment_score":0.3912527859210968},{"text":"So after all fees have been taken into account, you've made 5.28%. So it is a little bit little bit lower of a return than what we would like to see for the high growth environment, but it is understandable that some years we do get those lower returns with the market ups and downs and the volatility that we have certainly seen, but you have come out with a positive return. The other thing I wanted to show you was if you go to the first page of that document there and you look at the sorry. The side of this the on my side is the left hand side of the document. You'll see you've got cash, alternative investments, and Australian equities as the blue heading. Can you see those headings there? You said the first price or Yeah. The first page of the asset performance detail report. Yeah. That's okay. oh, yes. I can. That's the one?","start_word":552,"end_word":709,"sentiment":"neutral","sentiment_score":0.11284203794372231},{"text":"Beautiful.","start_word":710,"end_word":710,"sentiment":"positive","sentiment_score":0.6476901769638062},{"text":"So you've got three different investments noted there. One of them is the Bennelong Australian Equities Fund. The other is the BetaShares Australian 200 ETF, and then you've also got the BetaShares Raffi Australia 200 ETF Yep. there as well. Essentially, with the Bana Long one, if you look at the very last column, you actually see that we have sold that one completely out. So that investment was also underperforming within your super over the last few months there. So as soon as we did notice that early this year, we had removed that from your portfolio. We had originally sent a record of advice to you in email back in March. Do you remember seeing that email there at all? Probably did, but, yeah, I'm That's Henry. okay. Life gets very busy. It's honestly not a problem. That's why I wanted to make sure I brought it up with you.","start_word":711,"end_word":862,"sentiment":"neutral","sentiment_score":-0.017811262980103493},{"text":"It's all good.","start_word":863,"end_word":865,"sentiment":"positive","sentiment_score":0.577714204788208},{"text":"We sent that email back in March to let you know we had been looking at the investments and had noticed that this was an underperforming fund, so we wanted to remove that out of your portfolio. It is important that we review portfolios regularly because investors that worked a couple of years ago might not be working now, and different investments need to be switched out and changed as you work towards your long term goals of retirement there. So we actually removed the Benelon Australian Equities, and we replaced it with the BetaShares a 200. One of the biggest chain reasons for making the change were partly because of the underperformance of Bennelong. But Bennelong is more of an actively managed fund, and the fund manager hasn't been able to outperform against the market.","start_word":866,"end_word":1001,"sentiment":"neutral","sentiment_score":-0.15557971596717834},{"text":"So it's not been doing very well.","start_word":1002,"end_word":1008,"sentiment":"negative","sentiment_score":-0.4652549922466278},{"text":"Bennelong also generally holds between 15 to 25 different companies within that investment option. So we've replaced it with the BetaShares a 200, which is giving you exposure to the top 200 companies on the ASX. So that is essentially tracking the top 200 companies.","start_word":1009,"end_word":1053,"sentiment":"neutral","sentiment_score":0.04916929304599762},{"text":"So it's helping to lower the risk level of your portfolio and providing greater diversification.","start_word":1054,"end_word":1068,"sentiment":"positive","sentiment_score":0.36095499992370605},{"text":"So diversification is making sure you're spreading your risk level across lots of different companies, different industries, and different asset classes as well as different countries there as well.","start_word":1069,"end_word":1097,"sentiment":"neutral","sentiment_score":0.2712230086326599},{"text":"So it has worked out really well. And since we made that change in the last three months, we have seen a 6% return net of fees for your portfolio in that three month period there. So it has definitely been working. Your portfolio has recovered from that, and it's about building on that moving forward there for you.","start_word":1098,"end_word":1156,"sentiment":"positive","sentiment_score":0.5477083921432495},{"text":"Do you have any questions about any of that thus far? Alright. It just sounds good to No? me. Yeah.","start_word":1157,"end_word":1176,"sentiment":"neutral","sentiment_score":0.08481009304523468},{"text":"Fantastic.","start_word":1177,"end_word":1177,"sentiment":"positive","sentiment_score":0.3693257570266723},{"text":"Excellent. So, look, it has I wanna keep sort of monitoring things there for you because we have just made this change to your portfolio. Depending on how the rest of the review goes, I definitely wanna maybe catch up in about six months with you just to see how things are tracking and look at whether we need to update any advice then for you and maybe update the portfolio as well. Does that sound okay? Yep. That's fine. Yeah.","start_word":1178,"end_word":1258,"sentiment":"neutral","sentiment_score":0.13902534544467926},{"text":"Fantastic. Excellent. Excellent.","start_word":1259,"end_word":1261,"sentiment":"positive","sentiment_score":0.4231855869293213},{"text":"Then on the first page, which had your summary of superannuation and insurances, I'm just referring to the insurance side of things there now. So you do also have your Zurich insurance policy, which is paid from your super fund. Your Okay. life cover that you're covered for at the moment has a benefit of 378,034. So if we think about the theoretical side around the life cover, if you were to, say, pass away today, your your partner, I believe, we've got Eileen as your beneficiary there. She could receive your life benefit of 378,000, but then also your super is paid out on top of that, so the extra 103,000 there. I'll just add it all together for you to give you a total. Three, four. It's worth that to be between the two. About 481,456 that could be paid out as a life benefit. Between Yep. your life insurance and your sleeper, does that feel comfortable for you? Did you wanna review that amount, or what's your thought? No. It's such a that's okay. That's okay?","start_word":1262,"end_word":1440,"sentiment":"neutral","sentiment_score":0.07962928468871383},{"text":"Beautiful. Excellent.","start_word":1441,"end_word":1442,"sentiment":"positive","sentiment_score":0.6392563581466675},{"text":"And you've also got some total permanent disability cover, so TPD. Do you understand how TPD insurance works and what that is and how it pays? No. That's okay. So TPD can pay out a lump sum benefit or an income stream in the event that you're diagnosed with a major disability. So say, for example, you can never go back to work again for any occupation for which you're, you know, essentially educated or trained. I'm also just pulling up to make sure that you have that correct definition of your TBD there. Sorry. One second. Do love technology when it wants to work for us. It's taking a second to open up properly. So with your TBD definition, yeah. It looks like it is an any occupation, but I'll go back and double. Yeah. It looks okay. So, realistically, TBD compared that lump sum benefit if you're, you know, diagnosed with a major traumatic condition. They compared a lump sum benefit or an income stream. If you are, say, fully disabled and not able to ever go back to work again for any reason, TPD you can also release your super. So you you're covered for the same amount of TPD as you are alive. The benefit is 378,034, and then you've also got your super benefit that can be paid out on top of that as well. One Yep. of the big things I do like to kind of bring up and just make sure people are aware is that if you are TBD'd, never able to go back to work again, unfortunately, the benefit is taxed.","start_word":1443,"end_word":1712,"sentiment":"neutral","sentiment_score":0.007871090434491634},{"text":"So you could pay if you take the full lump sum, you could pay tax on that benefit amount of up to 22%, which is horrible and should not be a thing.","start_word":1713,"end_word":1744,"sentiment":"negative","sentiment_score":-0.40751734375953674},{"text":"But looking at that benefit amount, are you fairly comfortable with the level of TBD you have? Do you think you would need to maybe have more cover, or what's your thoughts? If you have more questions, you're welcome to let me know, and we can talk it through. Yeah. I think well, I think for now, I'm gonna be okay. Yeah. Yeah. It's kinda hard to work out, you know, what level you realistically need because we're getting insurances to protect us in the event that something was to happen. But if you think about the level of cover you have, not factoring in the tax side of things, but if you were to claim on that with the total benefit now your income I have here is about 120,000. Is that right? Yes. Yep.","start_word":1745,"end_word":1880,"sentiment":"neutral","sentiment_score":0.01634991727769375},{"text":"Beautiful.","start_word":1881,"end_word":1881,"sentiment":"positive","sentiment_score":0.5550782680511475},{"text":"And you're renting where you are. Is that correct? Yes. Yeah. So if we sort of look at income replacement based on the benefit you have at the moment, and if we divide that by your current income, it would replace income for about four years. Admittedly, it's not a lot, but does your wife work would she also be able to earn income to help supplement you? No. She doesn't know where. Okay. So it's just yourself. So, realistically, if you are having to draw that income of a $120,000 per year for expenses, your TPD benefit would last about four years. If for any reason you could sort of last on a little bit less, say, if you're not working and the expenses are a little bit lower, you might be able to essentially live on a smaller income amount. So, say, that divided by, say, $60,000 a year, and that would mean that the benefit total could last about eight years wholly after that point. It'd be about whether you could go back to work, whether or not you could, you know, claim on Centrelink and things like that. You also do have income protection, so you can be on an income protection benefit if that's a possibility that time as well. Does that make sense? Yep. Yeah. Did you wanna review the TBD cover, or you're happy with that level for time being, or do you have more questions? If you do, you're welcome to let me know. Yeah. I'll I'll just leave it for now and then Yeah. maybe That's okay. We'll get it with that's my wife.","start_word":1882,"end_word":2154,"sentiment":"neutral","sentiment_score":0.06855956606921695},{"text":"yeah. That's absolutely fine.","start_word":2155,"end_word":2158,"sentiment":"positive","sentiment_score":0.5347152948379517},{"text":"If you like, Malcolm, what I could do after the call is I could send you a little bit of an email breakdown noting a little bit about the life keeping in income protection policies, what they pay, how they cover, and notice a bit about your cover that you have. That way, if you do find you wanna review that or have additional questions, you can let me know. I know going through the review, it is hard to think about what level you might need, and it is a lot to go through the insurance information. So you might find later you have additional questions. Does that sound okay? Yep.","start_word":2159,"end_word":2270,"sentiment":"neutral","sentiment_score":0.1297275722026825},{"text":"That sounds good. Yeah. Beautiful.","start_word":2271,"end_word":2275,"sentiment":"positive","sentiment_score":0.5287919640541077},{"text":"Now you do also have the income protection benefit here. It currently has a monthly pay benefit payable pretax of nine sorry. 4,977. If you were off work due to illness or injury, do you feel like that's appropriate? Do you feel like you would need to sort of reassess that at all? No. 7,000. No. That's okay. Looking at your current income based on a 120,000, you are slightly underinsured for income protection. You can always look to increase that to 70%, which is the maximum you can be covered for. But Mhmm. if you feel like that's an appropriate amount, you're comfortable just leaving it as is for the time being. Is that right? Yeah. Yep. That's okay. You've also got a thirty day waiting period, so it just means you need to be off work for thirty days prior to making a claim and a five year benefit. So you just need to be you can be on a claim for up to five years in the event of an income protection claim. Is that I'm yeah. Do you have any questions at all so far? No. That's okay. All good. Do you not. have much in the way of sick leave, annual leave, long service leave, other things that you can sort of fall back on at work as well if you're unable to go to work in a shorter term? Yeah. But lock service. Long service? Load service annually. Yeah. Pretty much for quite a bit. Yeah. Yeah.","start_word":2276,"end_word":2528,"sentiment":"neutral","sentiment_score":0.008138772232730398},{"text":"Beautiful. So you're one of those. You're never sick. You go to work, and you bank it all up. Bank it all up is the one. Beautiful. Well, thank you so much for clarifying that.","start_word":2529,"end_word":2563,"sentiment":"positive","sentiment_score":0.4238854944705963},{"text":"As I said, I'll send you an email after the call just clarifying the information around the insurance side of things, and you're Yep. welcome to come back and let me know if there are any questions that you have or if you and your wife discover that you might wanna review those levels of cover. Okay? Okay.","start_word":2564,"end_word":2621,"sentiment":"neutral","sentiment_score":0.2488635778427124},{"text":"Excellent. Beautiful.","start_word":2622,"end_word":2623,"sentiment":"positive","sentiment_score":0.435577780008316},{"text":"Now I do have to let you know there are other types of insurances depending on your depending on your circumstances, sorry, that you, you know, may like to look at in the future. You can also get trauma, which pays out a lump sum tax free benefit if you, say, have a heart attack or a stroke or certain neurological conditions. Cancer's probably a big one. And do you have children? I believe you've got a couple of kids. Five children. Wow. How old are they? They're all adults. Now they're 20 Wow. seven Yeah. 27, 26, 25, 24, and 22. Wow. They're all grown up. No. Fantastic. Did you wanna look at any additional kind of insurances outside of what you've got to cover you for any gaps in your risk, or you're happy just with the the insurances you've that we've gone through that you currently have? I'm not yet. I'm not sure. Hold on. Yep. That's okay. Not a problem at all.","start_word":2624,"end_word":2789,"sentiment":"neutral","sentiment_score":-0.008901831693947315},{"text":"Fantastic.","start_word":2790,"end_word":2790,"sentiment":"positive","sentiment_score":0.35503190755844116},{"text":"We've kinda gone through most things.","start_word":2791,"end_word":2796,"sentiment":"neutral","sentiment_score":0.09609317034482956},{"text":"The only other things attached to that email are the sorry.","start_word":2797,"end_word":2807,"sentiment":"negative","sentiment_score":-0.3338491916656494},{"text":"The certificates of currency, which outline a little bit more around the types of cover that you have, the levels of cover that you have with Zurich there as well. These do go through a renewal every year. They do get more expensive over time, but they do also grow in value. So they are indexed along with CPIs. So the level of cover you have does increase over time, but the premiums do also increase. So we just wanna review those with with you on a regular basis. And if I kinda go back and find us anything that kinda flags the need to bring forward to you, I'll make sure we come back and have that conversation. Okay?","start_word":2808,"end_word":2927,"sentiment":"neutral","sentiment_score":0.01977222040295601},{"text":"Excellent. We've also got the the financial services guide attached with Outline. Everything about who we are, what we do, how we do it, has a lovely glossy photo of me in there, and all of my licensing information as a licensed adviser for you as well.","start_word":2928,"end_word":2974,"sentiment":"positive","sentiment_score":0.4206736981868744},{"text":"Okay? Yep. We also do have attached the ongoing service agreement. So to keep us as your servicing adviser and keep us looking after your suit for the insurances and helping you provide advice long term to meet your goals, we do charge an ongoing service fee for doing so. Our ongoing service fee is now a tiered structure, so it starts at 1.65% per annum as it has. And once your balance sets over 200,000, then you drop into the lower tier and the fee drops down to 1.375. So it works in a bit of a tiered structure. The newer ongoing service agreements actually outline your fee as a dollar figure instead of just an estimate so that it's giving you more certainty around how much you're likely to pay for our service. So because your balance is still essentially sitting at the 1.65%, we estimate it to be about $1,700 for the year there. And to keep us as your adviser and keep looking after your super and monitoring things and helping you moving forward, I do ask that you sign and return that back after the call for me. Do you have any questions about the fee structure or anything there at all that's come to mind? Not. No. That's okay.","start_word":2975,"end_word":3189,"sentiment":"neutral","sentiment_score":0.15667688846588135},{"text":"All good.","start_word":3190,"end_word":3191,"sentiment":"positive","sentiment_score":0.5073429346084595},{"text":"The only last sort of things to run through is just to make sure that your circumstances look at see if there's any major changes there at all. You've confirmed your income's about 120,000 for the year. Is that still correct? Yes. Yep.","start_word":3192,"end_word":3234,"sentiment":"neutral","sentiment_score":-0.0030041527934372425},{"text":"Beautiful.","start_word":3235,"end_word":3235,"sentiment":"positive","sentiment_score":0.3680768013000488},{"text":"Are you due for a pay rise soon at all? Yes. We are, actually.","start_word":3236,"end_word":3249,"sentiment":"neutral","sentiment_score":0.15562719106674194},{"text":"Fantastic. Well, cross your fingers. You get a nice one.","start_word":3250,"end_word":3259,"sentiment":"positive","sentiment_score":0.583487331867218},{"text":"Yeah. I think it's about 7%, I think.","start_word":3260,"end_word":3267,"sentiment":"neutral","sentiment_score":0.13738292455673218},{"text":"Fantastic. Excellent.","start_word":3268,"end_word":3269,"sentiment":"positive","sentiment_score":0.5209668874740601},{"text":"Are you yourself and Eileen managing to sort of save much on a weekly or monthly basis out of your income, or are you finding all of your income is going towards the expenses of the household? How do you sort of find things at the moment? Yeah. Not too bad. We we've been trying to save so we can buy a you know, try and buy a house. But Oh, fantastic. Yeah. Beautiful. Are you putting a set amount away every week to sort of help with that, or is it just whatever you have available at the end of the week? yeah. It's sort of just whatever we have available. Okay. Beautiful. Do you have much in savings at the moment? Not not not not not much at the moment, but yes. Yeah. Yeah. So we're coming to a bit of a snag at the moment because or the house that we're living in, the the people wanna sell up after bloody fourteen years within that house. Oh, no. So you're having to try and find something else for the time being. Yeah. Yeah. Oh, oh, I see your wife is house hunting currently. Poor soul. Have you found anything that you like that you're sort of looking to move into for the time being? Yes. We sort of had we sort of found a few houses, you know, but Yep. you kinda just gotta take what what comes, I suppose, until, you know, Yeah. just Yeah. Absolutely. And so that sort of means that some of your savings you've got there for your home deposit will probably have to go towards, like, rental expenses and moving expenses for the time being. yeah. Yeah. I think Yeah. Yeah.","start_word":3270,"end_word":3559,"sentiment":"neutral","sentiment_score":-0.001429768282406289},{"text":"Well, I'm so sorry to hear that, but, hopefully, your new home is a little bit nicer, and you'll get back into saving again and, hopefully have a deposit to get into a new home in the future.","start_word":3560,"end_word":3597,"sentiment":"positive","sentiment_score":0.3600900173187256},{"text":"so. Yep. Just so you are aware as well, we do also have access to mortgage brokers, which are completely free to yourself. We can refer you across to a mortgage broker when and if you are, you know, wanting to look at servicing capacity and looking at buying a home to see what kind of borrowing capacity Yep. you would have based on your expenses, which can definitely help when you are looking at buying a home, what you might be able to purchase the cost and things like that for you. Okay? Yep.","start_word":3598,"end_word":3692,"sentiment":"neutral","sentiment_score":0.13602718710899353},{"text":"Fantastic. Excellent.","start_word":3693,"end_word":3694,"sentiment":"positive","sentiment_score":0.4105231165885926},{"text":"Just on that savings account, how much do you have sitting in there at the moment? Yeah. Not a great lot, but I had about 10,000 the last time we hit. But we hit Okay. two years, sir. Yeah. That's okay.","start_word":3695,"end_word":3735,"sentiment":"neutral","sentiment_score":0.08480832725763321},{"text":"That's actually really good. Fantastic.","start_word":3736,"end_word":3740,"sentiment":"positive","sentiment_score":0.5520097017288208},{"text":"And if you had to quantify your savings, are you managing to sort of put away on average about 1 to 200 on a weekly or monthly basis, or how would you quantify it realistically? Yeah. Probably, like, maybe, like, 100 a week, sort of. Yep.","start_word":3741,"end_word":3786,"sentiment":"neutral","sentiment_score":0.10814591497182846},{"text":"Perfect. Fantastic. Excellent. Thank you for updating that.","start_word":3787,"end_word":3794,"sentiment":"positive","sentiment_score":0.4358597695827484},{"text":"Obviously, down at the moment with you guys trying to save for a home deposit and moving, additional contributions not might not be something you're wanting to look at. But down the track, are you open to maybe considering additional contributions to provide a greater boost to your super for that retirement income stream at 65? Yeah. Yep. Beautiful. Especially being as, you know, with your wife not working, it looks like your super is gonna be the main retirement income stream that you would have to focus on. Am I right, or does your wife have something to fall back on? Yeah. No. It's yeah. That's No. right. That's okay. That's okay. It's not a problem.","start_word":3795,"end_word":3911,"sentiment":"neutral","sentiment_score":0.12034384906291962},{"text":"We can certainly look to help you there. I wanna make sure you guys do enjoy your retirement when you get to that point. You are still young enough to, you know, to work hard and build that retirement income stream up.","start_word":3912,"end_word":3953,"sentiment":"positive","sentiment_score":0.5935595035552979},{"text":"I had your goal of 65 for accessing super. Is that still fairly accurate, do you think, or would you be wanting to retire earlier or later or not really sure? Not really sure at the moment. Yep. Yeah. That's okay. I think when I'll know when my body tells me That's okay. Are you happy with me utilizing to. 65 as your goal for the time being, and then we can kinda build on that down the track? Yeah. Yeah.","start_word":3954,"end_word":4034,"sentiment":"neutral","sentiment_score":0.14252464473247528},{"text":"Beautiful. Excellent.","start_word":4035,"end_word":4036,"sentiment":"positive","sentiment_score":0.6206521987915039},{"text":"And just I've also noted your goal here that you are looking to purchase your a home in the future there as well. I've Yep. also got down here that your assets wise, your cars, they had a combined value of 60,000. If you think about the two vehicles that you have at the moment, would you still value them about that, or would you alter or change that valuation? I'm not probably still leaving about that. Yeah. Beautiful. And how much rent are you paying at the moment? $7.50 a week. $7.50 per week. Beautiful. Do you both have contents insurance for the contents within the rental home? Not sure. Okay. That's okay. That's not a problem at all. Even though you are renting, realistically, contents insurance is something to consider because if something was to happen to the property while the owner needs to obviously factor in the the cost of replacing or rebuilding the home, everything inside the home that you own and pay for is still considered, you know, content and still considered an asset and would need to be replaced, which could be an additional con a cost to yourself. So Yep. it is definitely worth looking at maybe having contents insurance to protect everything you guys have and own. Yeah. Yep. That's okay. Do you have any other assets you'd note down? Any other, you know, shares, cryptocurrency, collections, anything else of value? No. No. That's okay. Do you have any large debts, personal loans, credit cards, or any other liabilities to kind of note down? No. No. That's okay.","start_word":4037,"end_word":4302,"sentiment":"neutral","sentiment_score":0.04186472464772992},{"text":"All good.","start_word":4303,"end_word":4304,"sentiment":"positive","sentiment_score":0.42840513586997986},{"text":"And the only other thing to sort of consider, sorry, is your estate planning. Sorry. Have you and your wife ever spoken to a solicitor or talked about drawing up a will at all? No. Not yet. No. That's okay. It is definitely worth having the conversation as well, just sort of noting that, you know, your beneficiaries inside Super and your life insurance beneficiaries are there to direct those funds in the event of something happening to you. However, it is also important to consider, you know, what happens to everything else that you own Yeah. if you don't have a will in place and you do pass away. It does end up being in test date, which means that the process everything has to kinda go through a probate process. It is a legal process, and, essentially, the legal system decides where those funds go to or what happens to everything. Yep. Whilst your wife does tend to get most things, it can also make the process slightly harder because other members of the other members of your family or friends can come forward and stake a claim. There's no guarantees that they'll get anything, but staking a claim can just make the process very hard on your wife in the event of something happening to you. Okay?","start_word":4305,"end_word":4524,"sentiment":"neutral","sentiment_score":-0.10980229079723358},{"text":"Excellent. I've got down here that your beneficiaries are Eileen on your super and your insurances. You're happy for that a 100% to be paid to her in the event of something occurring?","start_word":4525,"end_word":4557,"sentiment":"positive","sentiment_score":0.47192713618278503},{"text":"Yes. Yeah.","start_word":4558,"end_word":4559,"sentiment":"neutral","sentiment_score":0.2179199755191803},{"text":"Happy wife, happy life.","start_word":4560,"end_word":4563,"sentiment":"positive","sentiment_score":0.4575274586677551},{"text":"Am I right?","start_word":4564,"end_word":4566,"sentiment":"neutral","sentiment_score":0.3161633610725403},{"text":"Excellent. All good. I'm glad that's all up to date there for you.","start_word":4567,"end_word":4579,"sentiment":"positive","sentiment_score":0.6372045874595642},{"text":"Now the last thing I wanted to do was just to go through a quick risk profile questionnaire just to sort of gather whether you're invested correctly or not. Realistically, with your agent stage, that high growth environment still suits where you're at, but just wanting to make sure that does suit you personally as well. Yep. The first question here is basically asking you about inflation. So how much risk do you consider yourself comfortable to take in order to get higher levels of returns? Are you comfortable taking on a higher level of risk to make sure your returns are outpacing inflation so you can see yourself comfortable taking a moderate or medium amount of risk to keep up have your returns keep up with inflation, or are you only comfortable taking a small amount of risk knowing the returns are lower because of that? How do you think you fit? May I probably see the second? The second one? Yep. You can always go in between as well if you're comfortable wanting to do that. Yeah. Yep.","start_word":4580,"end_word":4759,"sentiment":"neutral","sentiment_score":0.07717034328314994},{"text":"Beautiful. Excellent.","start_word":4760,"end_word":4761,"sentiment":"positive","sentiment_score":0.663864016532898},{"text":"The next one here is if you saw your super fall by 20%, how do you think you might react? Are you more inclined to see it as an investment opportunity and put some money into the dip? Are you likely to hold and wait and call us, or are you a bit concerned and maybe wanting to sell your investments to cash? How do you think you might react? Probably just like How do sorry. The second one, what you see. Does that yeah. You're right. Give us a call and see what we suggest you do.","start_word":4762,"end_word":4859,"sentiment":"neutral","sentiment_score":-0.018247470259666443},{"text":"Good answer.","start_word":4860,"end_word":4861,"sentiment":"positive","sentiment_score":0.3732726573944092},{"text":"That's what you have us for. Yep. And the last one here is have you ever seen your super fall in value? If you have in the past, how do you think that makes you feel? Are you optimistic about the investment opportunities? Are you feeling cautious, concerned, or a bit anxious about the market dipping? How do you think you might feel? Yeah. Probably, say, seek an answer again, maybe. Yeah. Absolutely. Perfect. And then the last one is, have you ever considered borrowing for, say, investing in shares or managed funds, or would you only ever borrow property? Property. Yep. Are you open to invest buying just your main primary residence down the track, or are you open to having an investment down the track, or what's your sort of thoughts? Hello. Maybe investment. Yep. Yep. That's okay.","start_word":4862,"end_word":5001,"sentiment":"neutral","sentiment_score":0.023525699973106384},{"text":"Beautiful. Fantastic.","start_word":5002,"end_word":5003,"sentiment":"positive","sentiment_score":0.640569269657135},{"text":"Now with what you scored there, you have scored as a growth investor. At the moment, we have you in more of that high growth environment, which sees about 90% of your super invested in growth assets. So think about things like Australian and international shares, listed property and commodities, and then the end of 10% in lower risk defensive investments. With where you scored at the moment would see us reduce your risk back a little bit by 10% to see 80% invested in those higher risk investments. Realistically, for your time, your stage, and your time horizon, you absolutely can be in that high growth environment longer. It's more about this understanding that that takes on a little bit more risk in the market to get greater potential returns. Realistically, a high growth portfolio, you're wanting to try and average around about eight to 10% on a yearly basis compounding that forward. We do know that you are expecting a negative likely the likelihood of a negative return around about one in every five years, but it does suit your time horizon. You do have more than eight years ahead of you before accessing Super. Did you wanna stay in that high growth environment for longer, or did you wanna look at maybe reducing your risk level back there, Malcolm? How do you feel? No.","start_word":5004,"end_word":5230,"sentiment":"neutral","sentiment_score":0.08147362071512029},{"text":"I don't feel comfortable.","start_word":5231,"end_word":5234,"sentiment":"negative","sentiment_score":-0.37459227442741394},{"text":"You feel comfortable? Yeah. Absolutely. Not a problem at all. Well, just sort of recapping and moving forward, I'll send you an email after the call just outlining the insurance side of things for you just to give you a bit more clarity there. We'll hold on. There's no new advice to sort of worry about currently, but we will sort of catch up in about six months just to kinda review that and see whether new advice is required down the track. We'll sort of watch your soup soup. And now that we've made that switch of the investments for you as well, does that sound okay? Are you comfortable with that? Did did I miss anything? Is there anything else that you maybe wanted to ask me while you do have me here? No. Sure.","start_word":5235,"end_word":5371,"sentiment":"neutral","sentiment_score":0.10259529203176498},{"text":"It sounds pretty pretty good to me. Oh, fantastic. Thank you so much. So when you get an opportunity, if you can sign that annual review pack and grab that back to me, that'd be fabulous. It allows us to continue working as your adviser.","start_word":5372,"end_word":5416,"sentiment":"positive","sentiment_score":0.4941917233996921},{"text":"I'll Yes.","start_word":5417,"end_word":5418,"sentiment":"neutral","sentiment_score":0.18184344470500943},{"text":"put something in my calendar to touch base.","start_word":5419,"end_word":5426,"sentiment":"positive","sentiment_score":0.3412763178348541},{"text":"And once you get that email, if you do have additional questions around the insurances, please let me know. I can make more time to sort of touch base and and answer those additional questions for you as well. Okay? Okay.","start_word":5427,"end_word":5467,"sentiment":"neutral","sentiment_score":0.22341388463974},{"text":"Thank you so much for your time. I hope you have a lovely afternoon. You too. Thank you. My pleasure. Enjoy your day, Malcolm. Thank you for taking my call. See Thank you you. later.","start_word":5468,"end_word":5502,"sentiment":"positive","sentiment_score":0.73326575756073},{"text":"Bye bye.","start_word":5503,"end_word":5504,"sentiment":"neutral","sentiment_score":0.2652692496776581},{"text":"Thanks.","start_word":5505,"end_word":5505,"sentiment":"positive","sentiment_score":0.5940266251564026}],"average":{"sentiment":"neutral","sentiment_score":0.09714071323588118}}}}