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Hi, Sandra. Larissa. How are you going? Fantastic. Well, fire away with any questions you might have anyway. But, realistically, I I guess, Fabian's gone through a lot of the bulk, but I guess I may not down to some of the intricate details a little bit, and I guess explain some of the reasons why the decisions were made and where the decisions were made. So if you're looking at the document, the the biggest bulk of the document is the statement of advice on that, details where and why the advice has been given. So your goals outlined what you wanted to try and get a chart of your superannuation in the time that you had working left, and, you know, obviously, very conscious about making sure that we're getting it to a decent time. And you'd reference the $400,000 balance as well. So I was obviously looking to keep that in mind. Obviously, you know, if we can overshoot it, then that's where we wanna hit. We also talked about insurances and make sure that if anything happened to you, there was a burden to the family financially. And Yeah. So we can we can definitely, like, change the the the scale of that. So here I mean, since we're talking about it, lots ahead. I love a good skin. So there's there's two different components to the the insurance. One is, like, you have $36,000 with Australian Retirement Trust right now that we wanna transfer over, and what I wanna do is set a default cover. The default cover is age based. So based on your age, we can only get $90,000. But what we can do is we can only try we could look to transfer partial amount of the Australian retirement trust insurance. So, basically, look at, say, transferring $10,000 of that. With the $90,000 with default, we get a 100,000. So it's the same. That's an outcome. It's just yeah. Just I guess, again, for me, just changes things, but nothing like, for you, it would just be a matter of you have a $100,000 a life, $100,000 also with a PDD or total purpose disability. So, yeah, if you're wanting to just go ahead with a 100,000, I guess the only thing I would ask you to do is when you sign the documents is just write in there's, like, an alteration section above the signature where I'll just get you to write down that, you know, you only wanna proceed with a $100,000 worth of fly cover total and a $100,000 worth of TPD cover total. I'll edit that for the back end. That's that's nice and easy. Let me have a quick look. I can just quickly alter the quote to tell you what we're looking at, like, what what it would say overall because, like, right now, it's I can't math. Basically, I really can't math today. Wow. So right now, it's $78.88 per month, which equates to $948.56 a month if we were, like, to go with basically the 126,000. If we decrease that down give me one quick second, and I will have a quick look. I just have to pull up that side of the file. You are the yeah. It's my mother's birth date. I won't forget that's visual. Email, you are Queensland, and you are accounts. Accounts clerk. There we go. Tailored. If we go 10123. And that one. Yep. Okay. So what that would do is that would drop down that component of the cover. So you would send okay. Scroll to the 59. We would drop from 7888. So, basically, let's just say $79 down to $55.68 per month annually. If we go all of it, it's $946.56 versus $788.16. So it's sort of about a $160 savings. Yeah. Yeah. So just it's a matter of, like, just above the signature section, you would just write that you only want to save with a 100,000 a life, a 100 and half of the the total time disability cover. If you're wanting to, yeah, just proceed with that much, and I will I can do that on on back end. That's nice and easy. And, yeah, that that would just mean that if anything were to happen to you and you were to pass away, that you have a $100,000 that would be basically paid to your superannuation fund, and that $100,000 would get added to the balance you have in your super fund to then, yeah, then be paid out to your your estate. And I know, like, we're not we don't have any major debts. Like, we have a credit card. That's sort of a role of credit card. So other than that, we don't have any any major state major debts. So, basically, at today, it would mean that, sort of, you know, your your your date would end up with sort of March and twenty twenty one thousand, I think. Yeah. So, yeah, aside from that, investment wise, I hand selected the investments to just better align with where the market is at the moment and what we put moving forward with market with market variations. Previously, you were in, like, a life cycle, which under Australian retirement trust decreases as you get older. So it becomes it becomes less risky the older we get. It basically takes on more of a defensive position and less of an aggressive position. And then and then we have the high growth, which is of like, is a a senate of some more aggressive bracket. So what I did was I took a little bit more of a not really more of a a conservative leaning because realistically, currently, you're existing you're an existing portfolio with the blend that you had with 78% growth asset or 78% with your the asset you hold are equities or property related assets that were specifically there to grow your super fund. And I moved you over to just a little more of a structured products because the two products that you hold started doubling up on a lot of the asset underlying. Whereas this way, with the recommendations I've made, you're not doubling up any of the specific line assets. You're still a little bit more diversified. You're a little bit more purpose. It's obviously purpose built, and and you're sitting 86% roughly. It obviously fluctuates, but I'm at 80 sort of 5%. The growth assets that are there to five c investment to to to build growth and wealth within the portfolio for you. So realistically, overall, we aim to have about 1.25% sitting in cash within the account. That obviously fluctuates. We always wanna have some cash or some liquidity within the fund for you to be able to pay, you know, any of the the fees, the they would buy and and sell and the cash account needs to assist. You do have a cash account within your Australian retirement trust fund as well. So that that also works that way, whereas the rest of the funds will all just be invested across the stock options that I've chosen, and and you have a really good variety. You know, you've got your gold, so you've got good mineral sitting there for stability and growth, and they've got, you know, secure options. So we're not going into anything risky or new. 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Woah. And good afternoon. Good. Fantastic.\n\nCool bananas. Let's rock and roll. Monday at 1PM. We're on the same time zone. Yeah.\n\nNo. That's cool. Cool. Cool. Yeah.\n\nThat's fine. Thanks. Hi, Sandra. Larissa. How are you going?\n\nFantastic. Well, fire away with any questions you might have anyway. But, realistically, I I guess, Fabian's gone through a lot of the bulk, but I guess I may not down to some of the intricate details a little bit, and I guess explain some of the reasons why the decisions were made and where the decisions were made. So if you're looking at the document, the the biggest bulk of the document is the statement of advice on that, details where and why the advice has been given. So your goals outlined what you wanted to try and get a chart of your superannuation in the time that you had working left, and, you know, obviously, very conscious about making sure that we're getting it to a decent time.\n\nAnd you'd reference the $400,000 balance as well. So I was obviously looking to keep that in mind. Obviously, you know, if we can overshoot it, then that's where we wanna hit. We also talked about insurances and make sure that if anything happened to you, there was a burden to the family financially. And Yeah.\n\nSo we can we can definitely, like, change the the the scale of that. So here I mean, since we're talking about it, lots ahead. I love a good skin. So there's there's two different components to the the insurance. One is, like, you have $36,000 with Australian Retirement Trust right now that we wanna transfer over, and what I wanna do is set a default cover.\n\nThe default cover is age based. So based on your age, we can only get $90,000. But what we can do is we can only try we could look to transfer partial amount of the Australian retirement trust insurance. So, basically, look at, say, transferring $10,000 of that. With the $90,000 with default, we get a 100,000.\n\nSo it's the same. That's an outcome. It's just yeah. Just I guess, again, for me, just changes things, but nothing like, for you, it would just be a matter of you have a $100,000 a life, $100,000 also with a PDD or total purpose disability. So, yeah, if you're wanting to just go ahead with a 100,000, I guess the only thing I would ask you to do is when you sign the documents is just write in there's, like, an alteration section above the signature where I'll just get you to write down that, you know, you only wanna proceed with a $100,000 worth of fly cover total and a $100,000 worth of TPD cover total.\n\nI'll edit that for the back end. That's that's nice and easy. Let me have a quick look. I can just quickly alter the quote to tell you what we're looking at, like, what what it would say overall because, like, right now, it's I can't math. Basically, I really can't math today.\n\nWow. So right now, it's $78.88 per month, which equates to $948.56 a month if we were, like, to go with basically the 126,000. If we decrease that down give me one quick second, and I will have a quick look. I just have to pull up that side of the file. You are the yeah.\n\nIt's my mother's birth date. I won't forget that's visual. Email, you are Queensland, and you are accounts. Accounts clerk. There we go.\n\nTailored. If we go 10123. And that one. Yep. Okay.\n\nSo what that would do is that would drop down that component of the cover. So you would send okay. Scroll to the 59. We would drop from 7888. So, basically, let's just say $79 down to $55.68 per month annually.\n\nIf we go all of it, it's $946.56 versus $788.16. So it's sort of about a $160 savings. Yeah. Yeah. So just it's a matter of, like, just above the signature section, you would just write that you only want to save with a 100,000 a life, a 100 and half of the the total time disability cover.\n\nIf you're wanting to, yeah, just proceed with that much, and I will I can do that on on back end. That's nice and easy. And, yeah, that that would just mean that if anything were to happen to you and you were to pass away, that you have a $100,000 that would be basically paid to your superannuation fund, and that $100,000 would get added to the balance you have in your super fund to then, yeah, then be paid out to your your estate. And I know, like, we're not we don't have any major debts. Like, we have a credit card.\n\nThat's sort of a role of credit card. So other than that, we don't have any any major state major debts. So, basically, at today, it would mean that, sort of, you know, your your your date would end up with sort of March and twenty twenty one thousand, I think. Yeah. So, yeah, aside from that, investment wise, I hand selected the investments to just better align with where the market is at the moment and what we put moving forward with market with market variations.\n\nPreviously, you were in, like, a life cycle, which under Australian retirement trust decreases as you get older. So it becomes it becomes less risky the older we get. It basically takes on more of a defensive position and less of an aggressive position. And then and then we have the high growth, which is of like, is a a senate of some more aggressive bracket. So what I did was I took a little bit more of a not really more of a a conservative leaning because realistically, currently, you're existing you're an existing portfolio with the blend that you had with 78% growth asset or 78% with your the asset you hold are equities or property related assets that were specifically there to grow your super fund.\n\nAnd I moved you over to just a little more of a structured products because the two products that you hold started doubling up on a lot of the asset underlying. Whereas this way, with the recommendations I've made, you're not doubling up any of the specific line assets. You're still a little bit more diversified. You're a little bit more purpose. It's obviously purpose built, and and you're sitting 86% roughly.\n\nIt obviously fluctuates, but I'm at 80 sort of 5%. The growth assets that are there to five c investment to to to build growth and wealth within the portfolio for you. So realistically, overall, we aim to have about 1.25% sitting in cash within the account. That obviously fluctuates. We always wanna have some cash or some liquidity within the fund for you to be able to pay, you know, any of the the fees, the they would buy and and sell and the cash account needs to assist.\n\nYou do have a cash account within your Australian retirement trust fund as well. So that that also works that way, whereas the rest of the funds will all just be invested across the stock options that I've chosen, and and you have a really good variety. You know, you've got your gold, so you've got good mineral sitting there for stability and growth, and they've got, you know, secure options. So we're not going into anything risky or new. We're not trying to buy anything","paragraphs":[{"sentences":[{"text":"Hello.","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.07629711925983429},{"text":"Woah.","start":2.6399999,"end":3.04,"sentiment":"neutral","sentiment_score":0.2605091631412506},{"text":"And good afternoon.","start":3.04,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.31171001493930817},{"text":"Good.","start":7.12,"end":7.62,"sentiment":"positive","sentiment_score":0.5917870998382568},{"text":"Fantastic.","start":36.03,"end":36.53,"sentiment":"positive","sentiment_score":0.7227331399917603}],"sentiment":"positive","sentiment_score":0.3694937952927181,"num_words":7,"start":1.92,"end":36.53},{"sentences":[{"text":"Cool bananas.","start":39.515,"end":40.175,"sentiment":"positive","sentiment_score":0.5176387429237366},{"text":"Let's rock and roll.","start":40.395,"end":48.155,"sentiment":"neutral","sentiment_score":0.12296512350440025},{"text":"Monday at 1PM.","start":50.075,"end":51.375,"sentiment":"neutral","sentiment_score":0.022280779977639515},{"text":"We're on the same time zone.","start":52.05,"end":53.43,"sentiment":"neutral","sentiment_score":0.04986526817083359},{"text":"Yeah.","start":53.809998,"end":53.969997,"sentiment":"neutral","sentiment_score":0.039639562368392944}],"sentiment":"neutral","sentiment_score":0.1208007181994617,"num_words":16,"start":39.515,"end":53.969997},{"sentences":[{"text":"No.","start":53.969997,"end":54.21,"sentiment":"neutral","sentiment_score":0.0445629358291626},{"text":"That's cool.","start":54.21,"end":54.61,"sentiment":"neutral","sentiment_score":0.14871352165937424},{"text":"Cool.","start":54.61,"end":54.85,"sentiment":"neutral","sentiment_score":0.17492645978927612},{"text":"Cool.","start":54.85,"end":55.09,"sentiment":"neutral","sentiment_score":0.14512240886688232},{"text":"Yeah.","start":55.09,"end":55.25,"sentiment":"neutral","sentiment_score":0.10480792820453644}],"sentiment":"neutral","sentiment_score":0.12780779600143433,"num_words":6,"start":53.969997,"end":55.25},{"sentences":[{"text":"That's fine.","start":55.25,"end":55.91,"sentiment":"neutral","sentiment_score":0.13508402556180954},{"text":"Thanks.","start":58.77,"end":59.27,"sentiment":"neutral","sentiment_score":0.3028472065925598},{"text":"Hi, Sandra.","start":76.465004,"end":77.185005,"sentiment":"neutral","sentiment_score":0.09767859429121017},{"text":"Larissa.","start":77.185005,"end":77.505005,"sentiment":"neutral","sentiment_score":0.07463661581277847},{"text":"How are you going?","start":77.505005,"end":78.405,"sentiment":"neutral","sentiment_score":0.11198928393423557}],"sentiment":"neutral","sentiment_score":0.129096619784832,"num_words":10,"start":55.25,"end":78.405},{"sentences":[{"text":"Fantastic.","start":86.49,"end":86.99,"sentiment":"positive","sentiment_score":0.431352823972702},{"text":"Well, fire away with any questions you might have anyway.","start":87.369995,"end":89.78999,"sentiment":"neutral","sentiment_score":0.10450778529047966},{"text":"But, realistically, I I guess, Fabian's gone through a lot of the bulk, but I guess I may not down to some of the intricate details a little bit, and I guess explain some of the reasons why the decisions were made and where the decisions were made.","start":91.105,"end":103.285,"sentiment":"neutral","sentiment_score":0.009973769871673236},{"text":"So if you're looking at the document, the the biggest bulk of the document is the statement of advice on that, details where and why the advice has been given.","start":103.585,"end":114.159996,"sentiment":"neutral","sentiment_score":0.006808715003232161},{"text":"So your goals outlined what you wanted to try and get a chart of your superannuation in the time that you had working left, and, you know, obviously, very conscious about making sure that we're getting it to a decent time.","start":114.3,"end":126.695,"sentiment":"neutral","sentiment_score":0.17478093518534812}],"sentiment":"neutral","sentiment_score":0.07173424171856962,"num_words":130,"start":86.49,"end":126.695},{"sentences":[{"text":"And you'd reference the $400,000 balance as well.","start":126.915,"end":129.635,"sentiment":"neutral","sentiment_score":0.12173597514629364},{"text":"So I was obviously looking to keep that in mind.","start":129.635,"end":132.055,"sentiment":"neutral","sentiment_score":0.14524853080511094},{"text":"Obviously, you know, if we can overshoot it, then that's where we wanna hit.","start":132.11499,"end":136.01,"sentiment":"neutral","sentiment_score":-0.0791165301842349},{"text":"We also talked about insurances and make sure that if anything happened to you, there was a burden to the family financially.","start":136.95,"end":143.85,"sentiment":"neutral","sentiment_score":-0.21307519586248833},{"text":"And Yeah.","start":144.95,"end":159.95001,"sentiment":"neutral","sentiment_score":0.03704208508133888}],"sentiment":"neutral","sentiment_score":-0.0588362223601767,"num_words":56,"start":126.915,"end":159.95001},{"sentences":[{"text":"So we can we can definitely, like, change the the the scale of that.","start":159.95001,"end":165.01001,"sentiment":"neutral","sentiment_score":0.19242706256253378},{"text":"So here I mean, since we're talking about it, lots ahead.","start":165.31001,"end":168.13,"sentiment":"neutral","sentiment_score":0.18330403078686108},{"text":"I love a good skin.","start":168.43001,"end":169.57,"sentiment":"positive","sentiment_score":0.6282072424888611},{"text":"So there's there's two different components to the the insurance.","start":170.19,"end":174.365,"sentiment":"neutral","sentiment_score":0.11413226947188378},{"text":"One is, like, you have $36,000 with Australian Retirement Trust right now that we wanna transfer over, and what I wanna do is set a default cover.","start":174.985,"end":183.545,"sentiment":"neutral","sentiment_score":0.09207298820493398}],"sentiment":"neutral","sentiment_score":0.17132317616757173,"num_words":67,"start":159.95001,"end":183.545},{"sentences":[{"text":"The default cover is age based.","start":183.545,"end":185.645,"sentiment":"neutral","sentiment_score":0.01831733404348294},{"text":"So based on your age, we can only get $90,000.","start":186.06001,"end":189.20001,"sentiment":"neutral","sentiment_score":0.03586903512477875},{"text":"But what we can do is we can only try we could look to transfer partial amount of the Australian retirement trust insurance.","start":189.98001,"end":197.12001,"sentiment":"neutral","sentiment_score":0.07141867927882982},{"text":"So, basically, look at, say, transferring $10,000 of that.","start":197.5,"end":200.415,"sentiment":"neutral","sentiment_score":0.08053599753313595},{"text":"With the $90,000 with default, we get a 100,000.","start":200.495,"end":203.155,"sentiment":"neutral","sentiment_score":0.08239531227284008}],"sentiment":"neutral","sentiment_score":0.06276501345922027,"num_words":57,"start":183.545,"end":203.155},{"sentences":[{"text":"So it's the same.","start":206.25499,"end":207.39499,"sentiment":"neutral","sentiment_score":0.14592498540878296},{"text":"That's an outcome.","start":207.45499,"end":208.59499,"sentiment":"neutral","sentiment_score":0.22726634641488394},{"text":"It's just yeah.","start":209.61499,"end":210.33499,"sentiment":"neutral","sentiment_score":0.17265469829241434},{"text":"Just I guess, again, for me, just changes things, but nothing like, for you, it would just be a matter of you have a $100,000 a life, $100,000 also with a PDD or total purpose disability.","start":210.33499,"end":220.12001,"sentiment":"neutral","sentiment_score":0.11836935072723362},{"text":"So, yeah, if you're wanting to just go ahead with a 100,000, I guess the only thing I would ask you to do is when you sign the documents is just write in there's, like, an alteration section above the signature where I'll just get you to write down that, you know, you only wanna proceed with a $100,000 worth of fly cover total and a $100,000 worth of TPD cover total.","start":221.54001,"end":240.975,"sentiment":"neutral","sentiment_score":0.05558605155804091}],"sentiment":"neutral","sentiment_score":0.08514368995013884,"num_words":118,"start":206.25499,"end":240.975},{"sentences":[{"text":"I'll edit that for the back end.","start":241.195,"end":242.55501,"sentiment":"neutral","sentiment_score":0.10798984446695872},{"text":"That's that's nice and easy.","start":242.55501,"end":254.805,"sentiment":"positive","sentiment_score":0.4519361615180969},{"text":"Let me have a quick look.","start":258.005,"end":259.125,"sentiment":"neutral","sentiment_score":-0.005913307269414266},{"text":"I can just quickly alter the quote to tell you what we're looking at, like, what what it would say overall because, like, right now, it's I can't math.","start":259.125,"end":269.62,"sentiment":"neutral","sentiment_score":-0.1065644548627837},{"text":"Basically, I really can't math today.","start":271.28,"end":274.88,"sentiment":"negative","sentiment_score":-0.43867863217989606}],"sentiment":"neutral","sentiment_score":-0.05174171903504515,"num_words":53,"start":241.195,"end":274.88},{"sentences":[{"text":"Wow.","start":274.88,"end":275.38,"sentiment":"neutral","sentiment_score":-0.09795523434877396},{"text":"So right now, it's $78.88 per month, which equates to $948.56 a month if we were, like, to go with basically the 126,000.","start":276.80002,"end":288.355,"sentiment":"neutral","sentiment_score":-0.046932506820429924},{"text":"If we decrease that down give me one quick second, and I will have a quick look.","start":289.215,"end":297.03,"sentiment":"neutral","sentiment_score":-0.002455981119590647},{"text":"I just have to pull up that side of the file.","start":297.03,"end":299.93,"sentiment":"neutral","sentiment_score":0.018344354392452675},{"text":"You are the yeah.","start":300.94998,"end":302.38998,"sentiment":"neutral","sentiment_score":0.030597651842981577}],"sentiment":"neutral","sentiment_score":-0.015981715438621386,"num_words":56,"start":274.88,"end":302.38998},{"sentences":[{"text":"It's my mother's birth date.","start":302.38998,"end":303.85,"sentiment":"neutral","sentiment_score":0.025227683782577514},{"text":"I won't forget that's visual.","start":305.35,"end":306.65,"sentiment":"neutral","sentiment_score":0.03311990201473236},{"text":"Email, you are Queensland, and you are accounts.","start":310.265,"end":315.405,"sentiment":"neutral","sentiment_score":0.008460277458652854},{"text":"Accounts clerk.","start":316.745,"end":317.545,"sentiment":"neutral","sentiment_score":0.006024334114044905},{"text":"There we go.","start":317.545,"end":318.265,"sentiment":"neutral","sentiment_score":0.01730446331202984}],"sentiment":"neutral","sentiment_score":0.018407922035650066,"num_words":23,"start":302.38998,"end":318.265},{"sentences":[{"text":"Tailored.","start":318.265,"end":318.745,"sentiment":"neutral","sentiment_score":0.039015475660562515},{"text":"If we go 10123.","start":318.745,"end":320.925,"sentiment":"neutral","sentiment_score":0.011104004457592964},{"text":"And that one.","start":323.55002,"end":325.25,"sentiment":"neutral","sentiment_score":0.011823352115849653},{"text":"Yep.","start":327.23,"end":327.73,"sentiment":"neutral","sentiment_score":0.06774432957172394},{"text":"Okay.","start":327.79,"end":328.19,"sentiment":"neutral","sentiment_score":0.06853178143501282}],"sentiment":"neutral","sentiment_score":0.025517766084522008,"num_words":10,"start":318.265,"end":328.19},{"sentences":[{"text":"So what that would do is that would drop down that component of the cover.","start":328.19,"end":335.25,"sentiment":"neutral","sentiment_score":0.034689111883441606},{"text":"So you would send okay.","start":336.555,"end":340.095,"sentiment":"neutral","sentiment_score":0.044601871073246},{"text":"Scroll to the 59.","start":340.315,"end":343.055,"sentiment":"neutral","sentiment_score":0.008270420599728823},{"text":"We would drop from 7888.","start":346.395,"end":348.635,"sentiment":"neutral","sentiment_score":-0.0020936215994879605},{"text":"So, basically, let's just say $79 down to $55.68 per month annually.","start":348.635,"end":355.33002,"sentiment":"neutral","sentiment_score":0.011333428012828032}],"sentiment":"neutral","sentiment_score":0.021999042540811364,"num_words":41,"start":328.19,"end":355.33002},{"sentences":[{"text":"If we go all of it, it's $946.56 versus $788.16.","start":355.71002,"end":363.15002,"sentiment":"neutral","sentiment_score":0.03082346711307764},{"text":"So it's sort of about a $160 savings.","start":363.15002,"end":366.37003,"sentiment":"neutral","sentiment_score":0.06360689410939813},{"text":"Yeah.","start":378.83,"end":378.99,"sentiment":"neutral","sentiment_score":0.07021364569664001},{"text":"Yeah.","start":378.99,"end":379.15,"sentiment":"neutral","sentiment_score":0.093062624335289},{"text":"So just it's a matter of, like, just above the signature section, you would just write that you only want to save with a 100,000 a life, a 100 and half of the the total time disability cover.","start":379.15,"end":389.41,"sentiment":"neutral","sentiment_score":0.12190578417166283}],"sentiment":"neutral","sentiment_score":0.09677217056139789,"num_words":58,"start":355.71002,"end":389.41},{"sentences":[{"text":"If you're wanting to, yeah, just proceed with that much, and I will I can do that on on back end.","start":389.71,"end":395.385,"sentiment":"neutral","sentiment_score":0.26933382877281736},{"text":"That's nice and easy.","start":395.385,"end":396.925,"sentiment":"positive","sentiment_score":0.5920622944831848},{"text":"And, yeah, that that would just mean that if anything were to happen to you and you were to pass away, that you have a $100,000 that would be basically paid to your superannuation fund, and that $100,000 would get added to the balance you have in your super fund to then, yeah, then be paid out to your your estate.","start":398.345,"end":417.33002,"sentiment":"neutral","sentiment_score":0.1527778909343188},{"text":"And I know, like, we're not we don't have any major debts.","start":417.39,"end":419.87,"sentiment":"neutral","sentiment_score":0.014274798333644867},{"text":"Like, we have a credit card.","start":419.87,"end":421.07,"sentiment":"neutral","sentiment_score":0.048621129244565964}],"sentiment":"neutral","sentiment_score":0.17121860850602388,"num_words":104,"start":389.71,"end":421.07},{"sentences":[{"text":"That's sort of a role of credit card.","start":421.07,"end":422.85,"sentiment":"neutral","sentiment_score":0.07479192642495036},{"text":"So other than that, we don't have any any major state major debts.","start":423.31,"end":426.63498,"sentiment":"neutral","sentiment_score":-0.020968027126330595},{"text":"So, basically, at today, it would mean that, sort of, you know, your your your date would end up with sort of March and twenty twenty one thousand, I think.","start":427.09497,"end":436.555,"sentiment":"neutral","sentiment_score":0.006240765998760859},{"text":"Yeah.","start":437.11,"end":437.61,"sentiment":"neutral","sentiment_score":0.08013955503702164},{"text":"So, yeah, aside from that, investment wise, I hand selected the investments to just better align with where the market is at the moment and what we put moving forward with market with market variations.","start":438.94998,"end":453.70502,"sentiment":"neutral","sentiment_score":0.09945769065192768}],"sentiment":"neutral","sentiment_score":0.0468291122594784,"num_words":87,"start":421.07,"end":453.70502},{"sentences":[{"text":"Previously, you were in, like, a life cycle, which under Australian retirement trust decreases as you get older.","start":454.405,"end":460.58502,"sentiment":"neutral","sentiment_score":0.030805269049273595},{"text":"So it becomes it becomes less risky the older we 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liquidity within the fund for you to be able to pay, you know, any of the the fees, the they would buy and and sell and the cash account needs to assist.","start":543.055,"end":552.65,"sentiment":"neutral","sentiment_score":0.3244605287909508}],"sentiment":"neutral","sentiment_score":0.2827356876598464,"num_words":90,"start":525.07,"end":552.65},{"sentences":[{"text":"You do have a cash account within your Australian retirement trust fund as well.","start":552.65,"end":556.11,"sentiment":"positive","sentiment_score":0.3892941858087267},{"text":"So that that also works that way, whereas the rest of the funds will all just be invested across the stock options that I've chosen, and and you have a really good variety.","start":557.29004,"end":565.67505,"sentiment":"positive","sentiment_score":0.4915445923353686},{"text":"You know, you've got your gold, so you've got good mineral sitting there for stability and growth, and they've got, you know, secure options.","start":566.05505,"end":573.6429,"sentiment":"positive","sentiment_score":0.5851159691810608},{"text":"So we're not going into anything risky or new.","start":573.6429,"end":576.7029,"sentiment":"neutral","sentiment_score":-0.06818621026145087},{"text":"We're not trying to buy anything","start":576.92285,"end":578.44794,"sentiment":"neutral","sentiment_score":-0.13150331688423952}],"sentiment":"positive","sentiment_score":0.3989671815706547,"num_words":86,"start":552.65,"end":578.44794}]}}]},{"alternatives":[{"transcript":"Hey. How are you doing? That's good. She is lovely. We've gone through all of her questions. She seems pretty happy and satisfied with everything now. Did make mention that, obviously, this is based on current circumstances, but once she hits 60, Larissa will probably look at setting up a TTR with you to try and maximize the tax benefits and so on so they should be able to improve things a bit further on the back end. But, yeah, she seems pretty happy with everything so far. Awesome. And just FYI, welcome an insurance call for Monday at around one PM. Yeah. I'll pop it on the email. Yeah. Awesome. Alright. I'll get it for you. Thank you for holding. So I've got Larissa on the line. She'll just run through all the compliance stuff. But Okay. Have a great afternoon, and I'll hopefully speak with you again soon. Excellent. Alright. Thanks for your help. And take care. Bye. Thank you. Good. Good. Good. I've sort of smashed him with a couple of questions, but he come back with all the right answers, so we're ready to go. Yep. Mhmm. Yes. Well, that was the one thing I asked Fabian. Like, can I just, like, drop the insurance down to around, you know, just say, like, the 100,000 on both? Like, is is there much is there any benefit in that? Like, is it worthwhile me doing that or not? Yep. Yes. Okay. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Like so so it's it's not like is it gonna help oh, where am I putting this? Like, is it is it worth doing it, to be honest? You know, like, is it is it only gonna save me $5, or is it work my while? Yep. Yep. Yep. Okay. Like yeah. Alright. So I I will go ahead. Let him for better. Bloody need it anyway, but let's just say peace of mind. Okay. So when the paperwork comes through, I just need to amend the alteration. Yep. Okay. Yep. Yep. Yes. Yep. No. Mhmm. Yep. Okay. Sure. Yep. Understand it. Mhmm. Yep. Yep. Okay. Yep. Yep. Mhmm. Yep. Yep. 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How are you doing? That's good. She is lovely. We've gone through all of her questions.\n\nShe seems pretty happy and satisfied with everything now. Did make mention that, obviously, this is based on current circumstances, but once she hits 60, Larissa will probably look at setting up a TTR with you to try and maximize the tax benefits and so on so they should be able to improve things a bit further on the back end. But, yeah, she seems pretty happy with everything so far. Awesome. And just FYI, welcome an insurance call for Monday at around one PM.\n\nYeah. I'll pop it on the email. Yeah. Awesome. Alright.\n\nI'll get it for you. Thank you for holding. So I've got Larissa on the line. She'll just run through all the compliance stuff. But Okay.\n\nHave a great afternoon, and I'll hopefully speak with you again soon. Excellent. Alright. Thanks for your help. And take care.\n\nBye. Thank you. Good. Good. Good.\n\nI've sort of smashed him with a couple of questions, but he come back with all the right answers, so we're ready to go. Yep. Mhmm. Yes. Well, that was the one thing I asked Fabian.\n\nLike, can I just, like, drop the insurance down to around, you know, just say, like, the 100,000 on both? Like, is is there much is there any benefit in that? Like, is it worthwhile me doing that or not? Yep. Yes.\n\nOkay. Yep. Okay. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nOkay. Like so so it's it's not like is it gonna help oh, where am I putting this? Like, is it is it worth doing it, to be honest? You know, like, is it is it only gonna save me $5, or is it work my while? Yep.\n\nYep. Yep. Okay. Like yeah. Alright.\n\nSo I I will go ahead. Let him for better. Bloody need it anyway, but let's just say peace of mind. Okay. So when the paperwork comes through, I just need to amend the alteration.\n\nYep. Okay. Yep. Yep. Yes.\n\nYep. No. Mhmm. Yep. Okay.\n\nSure. Yep. Understand it. Mhmm. Yep.\n\nYep. Okay. Yep. Yep. Mhmm.\n\nYep. Yep. Yes.","paragraphs":[{"sentences":[{"text":"Hey.","start":4.88,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.20460018515586853},{"text":"How are you doing?","start":5.2799997,"end":6.18,"sentiment":"neutral","sentiment_score":0.20735234394669533},{"text":"That's good.","start":8.0,"end":9.059999,"sentiment":"positive","sentiment_score":0.7078989148139954},{"text":"She is lovely.","start":9.76,"end":10.8,"sentiment":"positive","sentiment_score":0.8217441638310751},{"text":"We've gone through all of her questions.","start":10.8,"end":12.4,"sentiment":"positive","sentiment_score":0.5616332548005241}],"sentiment":"positive","sentiment_score":0.5203807450392667,"num_words":17,"start":4.88,"end":12.4},{"sentences":[{"text":"She seems pretty happy and satisfied with everything now.","start":12.4,"end":15.219999,"sentiment":"positive","sentiment_score":0.7750147249963548},{"text":"Did make mention that, obviously, this is based on current circumstances, but once she hits 60, Larissa will probably look at setting up a TTR with you to try and maximize the tax benefits and so on so they should be able to improve things a bit further on the back end.","start":15.595,"end":30.975,"sentiment":"neutral","sentiment_score":0.1887128846719861},{"text":"But, yeah, she seems pretty happy with everything so far.","start":31.49,"end":34.55,"sentiment":"positive","sentiment_score":0.5331604674458503},{"text":"Awesome.","start":39.17,"end":39.67,"sentiment":"positive","sentiment_score":0.646592378616333},{"text":"And just FYI, welcome an insurance call for Monday at around one PM.","start":42.53,"end":48.225,"sentiment":"neutral","sentiment_score":0.10876126429782464}],"sentiment":"neutral","sentiment_score":0.2844740707865533,"num_words":85,"start":12.4,"end":48.225},{"sentences":[{"text":"Yeah.","start":51.965,"end":52.285,"sentiment":"neutral","sentiment_score":0.032304584980010986},{"text":"I'll pop it on the email.","start":52.285,"end":53.665,"sentiment":"neutral","sentiment_score":0.051339080246786274},{"text":"Yeah.","start":55.885,"end":56.125,"sentiment":"neutral","sentiment_score":0.1465691328048706},{"text":"Awesome.","start":56.125,"end":56.525,"sentiment":"neutral","sentiment_score":0.2706317901611328},{"text":"Alright.","start":56.525,"end":56.845,"sentiment":"neutral","sentiment_score":0.19761952757835388}],"sentiment":"neutral","sentiment_score":0.0955159517005086,"num_words":10,"start":51.965,"end":56.845},{"sentences":[{"text":"I'll get it for you.","start":56.845,"end":57.985,"sentiment":"neutral","sentiment_score":0.23520635664463044},{"text":"Thank you for holding.","start":62.55,"end":63.75,"sentiment":"neutral","sentiment_score":0.29764287918806076},{"text":"So I've got Larissa on the line.","start":63.75,"end":65.11,"sentiment":"neutral","sentiment_score":0.11192869714328221},{"text":"She'll just run through all the compliance stuff.","start":65.11,"end":67.03,"sentiment":"neutral","sentiment_score":0.1034281849861145},{"text":"But Okay.","start":67.03,"end":67.55,"sentiment":"neutral","sentiment_score":0.1311698704957962}],"sentiment":"neutral","sentiment_score":0.16307190003303382,"num_words":26,"start":56.845,"end":67.55},{"sentences":[{"text":"Have a great afternoon, and I'll hopefully speak with you again soon.","start":67.75,"end":71.27,"sentiment":"neutral","sentiment_score":0.27820032089948654},{"text":"Excellent.","start":71.27,"end":71.67,"sentiment":"positive","sentiment_score":0.34684234857559204},{"text":"Alright.","start":71.67,"end":71.909996,"sentiment":"neutral","sentiment_score":0.29282915592193604},{"text":"Thanks for your help.","start":71.909996,"end":72.869995,"sentiment":"positive","sentiment_score":0.5225011855363846},{"text":"And take care.","start":72.869995,"end":73.59,"sentiment":"positive","sentiment_score":0.34739460547765094}],"sentiment":"positive","sentiment_score":0.33858399589856464,"num_words":21,"start":67.75,"end":73.59},{"sentences":[{"text":"Bye.","start":73.59,"end":73.99,"sentiment":"neutral","sentiment_score":0.16766957938671112},{"text":"Thank you.","start":73.99,"end":74.565,"sentiment":"neutral","sentiment_score":0.2301400974392891},{"text":"Good.","start":78.965004,"end":79.365005,"sentiment":"neutral","sentiment_score":0.23338332772254944},{"text":"Good.","start":79.365005,"end":79.605,"sentiment":"neutral","sentiment_score":0.26281094551086426},{"text":"Good.","start":79.605,"end":79.845,"sentiment":"neutral","sentiment_score":0.2682078778743744}],"sentiment":"neutral","sentiment_score":0.23205865422884622,"num_words":6,"start":73.59,"end":79.845},{"sentences":[{"text":"I've sort of smashed him with a couple of questions, but he come back with all the right answers, so we're ready to go.","start":79.845,"end":85.545,"sentiment":"neutral","sentiment_score":0.2365483669564128},{"text":"Yep.","start":114.30499,"end":114.80499,"sentiment":"neutral","sentiment_score":-0.005545848049223423},{"text":"Mhmm.","start":122.51,"end":123.01,"sentiment":"neutral","sentiment_score":0.06293144077062607},{"text":"Yes.","start":136.41501,"end":136.91501,"sentiment":"neutral","sentiment_score":-0.03281475231051445},{"text":"Well, that was the one thing I asked Fabian.","start":144.68,"end":147.26,"sentiment":"neutral","sentiment_score":0.03323326839341058}],"sentiment":"neutral","sentiment_score":0.16668975174737474,"num_words":36,"start":79.845,"end":147.26},{"sentences":[{"text":"Like, can I just, like, drop the insurance down to around, you know, just say, like, the 100,000 on both?","start":147.72,"end":152.7,"sentiment":"neutral","sentiment_score":0.026990905217826367},{"text":"Like, is is there much is there any benefit in that?","start":153.24,"end":155.88,"sentiment":"neutral","sentiment_score":0.09618715433911844},{"text":"Like, is it worthwhile me doing that or not?","start":155.88,"end":158.3,"sentiment":"neutral","sentiment_score":0.07339971967869335},{"text":"Yep.","start":174.77,"end":175.27,"sentiment":"neutral","sentiment_score":0.0917472392320633},{"text":"Yes.","start":179.65001,"end":180.15001,"sentiment":"neutral","sentiment_score":0.094015970826149}],"sentiment":"neutral","sentiment_score":0.058196130696506726,"num_words":42,"start":147.72,"end":180.15001},{"sentences":[{"text":"Okay.","start":186.095,"end":186.595,"sentiment":"neutral","sentiment_score":0.041278913617134094},{"text":"Yep.","start":189.295,"end":189.795,"sentiment":"neutral","sentiment_score":0.08203509449958801},{"text":"Okay.","start":205.04001,"end":205.54001,"sentiment":"neutral","sentiment_score":0.1165466159582138},{"text":"Yep.","start":207.68001,"end":208.16,"sentiment":"neutral","sentiment_score":0.24134287238121033},{"text":"Yep.","start":208.16,"end":208.66,"sentiment":"neutral","sentiment_score":0.190782368183136}],"sentiment":"neutral","sentiment_score":0.13439717292785644,"num_words":5,"start":186.095,"end":208.66},{"sentences":[{"text":"Yep.","start":220.185,"end":220.42499,"sentiment":"neutral","sentiment_score":0.11419115960597992},{"text":"Yep.","start":220.42499,"end":220.92499,"sentiment":"neutral","sentiment_score":0.07721620798110962},{"text":"Yep.","start":232.65,"end":233.15,"sentiment":"neutral","sentiment_score":0.06446697562932968},{"text":"Yep.","start":240.81,"end":241.29,"sentiment":"neutral","sentiment_score":0.12704886496067047},{"text":"Yep.","start":241.29,"end":241.79,"sentiment":"neutral","sentiment_score":0.1015491709113121}],"sentiment":"neutral","sentiment_score":0.09689447581768036,"num_words":5,"start":220.185,"end":241.79},{"sentences":[{"text":"Okay.","start":243.095,"end":243.595,"sentiment":"positive","sentiment_score":0.44306081533432007},{"text":"Like so so it's it's not like is it gonna help oh, where am I putting this?","start":244.455,"end":250.955,"sentiment":"neutral","sentiment_score":-0.021047989673474255},{"text":"Like, is it is it worth doing it, to be honest?","start":251.095,"end":253.255,"sentiment":"neutral","sentiment_score":0.08571867441589182},{"text":"You know, like, is it is it only gonna save me $5, or is it work my while?","start":253.255,"end":257.43,"sentiment":"neutral","sentiment_score":0.2092884766558806},{"text":"Yep.","start":288.62,"end":289.12,"sentiment":"neutral","sentiment_score":0.05514300614595413}],"sentiment":"neutral","sentiment_score":0.10105179157108068,"num_words":48,"start":243.095,"end":289.12},{"sentences":[{"text":"Yep.","start":349.15,"end":349.65,"sentiment":"neutral","sentiment_score":0.038788165897130966},{"text":"Yep.","start":350.99,"end":351.49,"sentiment":"neutral","sentiment_score":0.013829383067786694},{"text":"Okay.","start":366.835,"end":367.335,"sentiment":"neutral","sentiment_score":0.17062292993068695},{"text":"Like yeah.","start":367.715,"end":368.435,"sentiment":"neutral","sentiment_score":0.1821298450231552},{"text":"Alright.","start":368.435,"end":368.675,"sentiment":"neutral","sentiment_score":0.251200407743454}],"sentiment":"neutral","sentiment_score":0.1397834294475615,"num_words":6,"start":349.15,"end":368.675},{"sentences":[{"text":"So I I will go ahead.","start":368.675,"end":369.715,"sentiment":"neutral","sentiment_score":0.31532540420691174},{"text":"Let him for better.","start":369.715,"end":370.83,"sentiment":"neutral","sentiment_score":0.3096790164709091},{"text":"Bloody need it anyway, but let's just say peace of mind.","start":370.99,"end":374.83,"sentiment":"neutral","sentiment_score":0.2814273183996027},{"text":"Okay.","start":374.83,"end":375.06998,"sentiment":"neutral","sentiment_score":0.08351588249206543},{"text":"So when the paperwork comes through, I just need to amend the alteration.","start":375.06998,"end":378.05,"sentiment":"neutral","sentiment_score":0.029101685907405157}],"sentiment":"neutral","sentiment_score":0.1910916226516877,"num_words":35,"start":368.675,"end":378.05},{"sentences":[{"text":"Yep.","start":389.465,"end":389.965,"sentiment":"neutral","sentiment_score":0.20288121700286865},{"text":"Okay.","start":396.025,"end":396.525,"sentiment":"positive","sentiment_score":0.6183596849441528},{"text":"Yep.","start":397.225,"end":397.725,"sentiment":"neutral","sentiment_score":0.26663756370544434},{"text":"Yep.","start":413.93,"end":414.43,"sentiment":"neutral","sentiment_score":0.13814648985862732},{"text":"Yes.","start":417.155,"end":417.655,"sentiment":"neutral","sentiment_score":0.11314143985509872}],"sentiment":"neutral","sentiment_score":0.2678332790732384,"num_words":5,"start":389.465,"end":417.655},{"sentences":[{"text":"Yep.","start":422.835,"end":423.335,"sentiment":"neutral","sentiment_score":0.07196398079395294},{"text":"No.","start":426.755,"end":427.255,"sentiment":"neutral","sentiment_score":-0.04246056079864502},{"text":"Mhmm.","start":433.61002,"end":434.11002,"sentiment":"neutral","sentiment_score":0.008302101865410805},{"text":"Yep.","start":435.93,"end":436.43,"sentiment":"neutral","sentiment_score":0.051361143589019775},{"text":"Okay.","start":461.1,"end":461.6,"sentiment":"neutral","sentiment_score":0.10942816734313963}],"sentiment":"neutral","sentiment_score":0.03971896655857563,"num_words":5,"start":422.835,"end":461.6},{"sentences":[{"text":"Sure.","start":464.13998,"end":464.63998,"sentiment":"neutral","sentiment_score":0.03985442966222763},{"text":"Yep.","start":468.13998,"end":468.46,"sentiment":"neutral","sentiment_score":0.19334159791469577},{"text":"Understand it.","start":468.46,"end":469.44,"sentiment":"neutral","sentiment_score":0.12569385766983032},{"text":"Mhmm.","start":495.99,"end":496.49,"sentiment":"neutral","sentiment_score":0.08163262903690338},{"text":"Yep.","start":500.915,"end":501.415,"sentiment":"neutral","sentiment_score":0.2635420262813568}],"sentiment":"neutral","sentiment_score":0.13829306637247404,"num_words":6,"start":464.13998,"end":501.415},{"sentences":[{"text":"Yep.","start":507.39502,"end":507.89502,"sentiment":"neutral","sentiment_score":0.2254232168197632},{"text":"Okay.","start":519.98,"end":520.48,"sentiment":"neutral","sentiment_score":0.2580330967903137},{"text":"Yep.","start":525.33997,"end":525.83997,"sentiment":"neutral","sentiment_score":0.1407226175069809},{"text":"Yep.","start":527.18,"end":527.68,"sentiment":"neutral","sentiment_score":0.18624816834926605},{"text":"Mhmm.","start":529.395,"end":529.895,"sentiment":"neutral","sentiment_score":0.19301986694335935}],"sentiment":"neutral","sentiment_score":0.20068939328193663,"num_words":5,"start":507.39502,"end":529.895},{"sentences":[{"text":"Yep.","start":536.4975,"end":536.9975,"sentiment":"neutral","sentiment_score":0.254140704870224},{"text":"Yep.","start":549.44,"end":549.94,"sentiment":"neutral","sentiment_score":0.27992677688598633},{"text":"Yes.","start":552.8,"end":553.3,"sentiment":"positive","sentiment_score":0.3602359890937805}],"sentiment":"neutral","sentiment_score":0.29810115694999695,"num_words":3,"start":536.4975,"end":553.3}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello. Woah. And good afternoon.\n\nChannel 1: Hey. How are you doing?\n\nChannel 0: Good.\n\nChannel 1: That's good. She is lovely. We've gone through all of her questions. She seems pretty happy and satisfied with everything now. Did make mention that, obviously, this is based on current circumstances, but once she hits 60, Larissa will probably look at setting up a TTR with you to try and maximize the tax benefits and so on so they should be able to improve things a bit further on the back end.\n\nBut, yeah, she seems pretty happy with everything so far.\n\nChannel 0: Fantastic.\n\nChannel 1: Awesome.\n\nChannel 0: Cool bananas. Let's\n\nChannel 1: And just\n\nChannel 0: rock\n\nChannel 1: FYI, welcome an\n\nChannel 0: and\n\nChannel 1: insurance call for Monday at around one\n\nChannel 0: roll.\n\nChannel 1: PM.\n\nChannel 0: Monday at 1PM.\n\nChannel 1: Yeah.\n\nChannel 0: We're on\n\nChannel 1: I'll\n\nChannel 0: the same\n\nChannel 1: pop it\n\nChannel 0: time\n\nChannel 1: on\n\nChannel 0: zone.\n\nChannel 1: the email.\n\nChannel 0: Yeah. No. That's cool. Cool. Cool.\n\nYeah. That's fine.\n\nChannel 1: Yeah. Awesome. Alright. I'll get it for you.\n\nChannel 0: Thanks.\n\nChannel 1: Thank you for holding. So I've got Larissa on the line. She'll just run through all the compliance stuff. But Okay. Have a great afternoon, and I'll hopefully speak with you again soon.\n\nExcellent. Alright. Thanks for your help. And take care. Bye.\n\nThank you.\n\nChannel 0: Hi, Sandra. Larissa. How are you going?\n\nChannel 1: Good. Good. Good. I've sort of smashed him with a couple of questions, but he come back with all the right answers, so we're ready to go.\n\nChannel 0: Fantastic. Well, fire away with any questions you might have anyway. But, realistically, I I guess, Fabian's gone through a lot of the bulk, but I guess I may not down to some of the intricate details a little bit, and I guess explain some of the reasons why the decisions were made and where the decisions were made. So if you're looking at the document, the the biggest bulk of the document is the statement of advice on that, details where and why the advice has been given. So\n\nChannel 1: Yep.\n\nChannel 0: your goals outlined what you wanted to try and get a chart of your superannuation in the time that you had working left,\n\nChannel 1: Mhmm.\n\nChannel 0: and, you know, obviously, very conscious about making sure that we're getting it to a decent time. And you'd reference the $400,000 balance as well. So I was obviously looking to keep that in mind. Obviously, you know, if we can overshoot it, then that's where we wanna hit.\n\nChannel 1: Yes.\n\nChannel 0: We also talked about insurances and make sure that if anything happened to you, there was a burden to the family financially.\n\nChannel 1: Well,\n\nChannel 0: And\n\nChannel 1: that was the one thing I asked Fabian. Like, can I just, like, drop the insurance down to around, you know, just say, like, the 100,000 on both? Like, is is there much is there any benefit in that? Like, is it worthwhile me doing that or not?\n\nChannel 0: Yeah. So we can we can definitely, like, change the the the scale of that. So here I mean, since we're talking about it, lots ahead. I love a good skin. So there's there's two different components to the the insurance.\n\nChannel 1: Yep.\n\nChannel 0: One is, like, you have $36,000 with Australian Retirement Trust right now that we wanna\n\nChannel 1: Yes.\n\nChannel 0: transfer over, and what I wanna do is set a default cover. The default cover is age based. So\n\nChannel 1: Okay.\n\nChannel 0: based on your age, we can only get $90,000.\n\nChannel 1: Yep.\n\nChannel 0: But what we can do is we can only try we could look to transfer partial amount of the Australian retirement trust insurance. So, basically, look at, say, transferring $10,000 of that. With the $90,000 with default, we get a 100,000.\n\nChannel 1: Okay.\n\nChannel 0: So it's the same. That's\n\nChannel 1: Yep.\n\nChannel 0: an outcome.\n\nChannel 1: Yep.\n\nChannel 0: It's just yeah. Just I guess, again, for me, just changes things, but nothing like, for you, it would just be a matter of you have a $100,000 a life, $100,000 also with a PDD or total purpose disability.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So, yeah, if you're wanting to just go ahead with a 100,000, I guess the only thing I would ask you to do is when you sign the documents is just write in there's, like, an alteration section above the signature\n\nChannel 1: Yep.\n\nChannel 0: where I'll just get you to write down that, you know, you only wanna proceed with a $100,000 worth of fly cover total and a $100,000 worth of TPD cover total.\n\nChannel 1: Yep.\n\nChannel 0: I'll\n\nChannel 1: Yep.\n\nChannel 0: edit that for the back end. That's\n\nChannel 1: Okay.\n\nChannel 0: that's nice\n\nChannel 1: Like so so it's it's not like is it gonna help oh, where am I putting this? Like, is it is it worth doing it, to be honest? You know, like, is it is it\n\nChannel 0: and\n\nChannel 1: only\n\nChannel 0: easy.\n\nChannel 1: gonna save me $5, or is it work my while?\n\nChannel 0: Let me have a quick look. I can just quickly alter the quote to tell you what we're looking at, like, what what it would say overall because, like, right now, it's I can't math. Basically, I really can't math today. Wow. So right now, it's $78.88 per month, which equates to $948.56 a month if we were, like, to go with basically the 126,000.\n\nChannel 1: Yep.\n\nChannel 0: If we decrease that down give me one quick second, and I will have a quick look. I just have to pull up that side of the file. You are the yeah. It's my mother's birth date. I won't forget that's visual.\n\nEmail, you are Queensland, and you are accounts. Accounts clerk. There we go. Tailored. If we go 10123.\n\nAnd that one. Yep. Okay. So what that would do is that would drop down that component of the cover. So you would send okay.\n\nScroll to the 59. We would drop from 7888. So, basically,\n\nChannel 1: Yep.\n\nChannel 0: let's just say $79\n\nChannel 1: Yep.\n\nChannel 0: down to $55.68 per month annually. If we go all of it, it's $946.56 versus $788.16. So it's sort of about a $160 savings.\n\nChannel 1: Okay. Like yeah. Alright. So I I will go ahead. Let him for better.\n\nBloody need it anyway, but let's just say peace of mind. Okay. So when the paperwork comes through, I just need to amend the alteration.\n\nChannel 0: Yeah. Yeah. So just it's a matter of, like, just above the signature section, you would just write that you only want to save with a 100,000 a life, a 100 and half of the the total time disability cover.\n\nChannel 1: Yep.\n\nChannel 0: If you're wanting to, yeah, just proceed with that much, and I will I can do that on on back end. That's nice\n\nChannel 1: Okay.\n\nChannel 0: and easy.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, that that would just mean that if anything were to happen to you and you were to pass away, that you have a $100,000 that would be basically paid to your superannuation fund, and that $100,000 would get added to the balance you have in your super fund\n\nChannel 1: Yep.\n\nChannel 0: to then, yeah, then be paid out to your your estate.\n\nChannel 1: Yes.\n\nChannel 0: And I know, like, we're not we don't have any major debts. Like, we have a credit card. That's sort of a role of credit card.\n\nChannel 1: Yep.\n\nChannel 0: So other than that, we don't have any any major state major debts.\n\nChannel 1: No.\n\nChannel 0: So, basically, at today, it would mean that, sort of, you know, your your your date would end up with sort of March and\n\nChannel 1: Mhmm.\n\nChannel 0: twenty twenty one thousand, I\n\nChannel 1: Yep.\n\nChannel 0: think. Yeah. So, yeah, aside from that, investment wise, I hand selected the investments to just better align with where the market is at the moment and what we put moving forward with market with market variations. Previously, you were in, like, a life cycle, which under Australian retirement trust decreases as you get older.\n\nChannel 1: Okay.\n\nChannel 0: So it becomes it becomes less risky the older we get. It basically\n\nChannel 1: Sure.\n\nChannel 0: takes on more of a defensive position and less of an aggressive position.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Understand\n\nChannel 0: then\n\nChannel 1: it.\n\nChannel 0: and then we have the high growth, which is of like, is a a senate of some more aggressive bracket. So what I did was I took a little bit more of a not really more of a a conservative leaning because realistically, currently, you're existing you're an existing portfolio with the blend that you had with 78% growth asset or 78% with your the asset you hold are equities or property\n\nChannel 1: Mhmm.\n\nChannel 0: related assets that were specifically there to grow your super fund.\n\nChannel 1: Yep.\n\nChannel 0: And I moved you over to just a little more of a structured products because the\n\nChannel 1: Yep.\n\nChannel 0: two products that you hold started doubling up on a lot of the asset underlying. Whereas this way, with the recommendations I've made, you're not doubling up any of the specific line assets. You're still a little bit more diversified.\n\nChannel 1: Okay.\n\nChannel 0: You're a little bit more purpose. It's obviously purpose built, and and you're sitting 86% roughly. It obviously\n\nChannel 1: Yep.\n\nChannel 0: fluctuates, but I'm at 80 sort of 5%.\n\nChannel 1: Yep.\n\nChannel 0: The growth assets that are there to\n\nChannel 1: Mhmm.\n\nChannel 0: five c investment to to to build growth and wealth within the portfolio for you. So\n\nChannel 1: Yep.\n\nChannel 0: realistically, overall, we aim to have about 1.25% sitting in cash within the account. That obviously fluctuates. We always wanna have some cash or some liquidity within the fund for you to be able to pay, you know, any of the the fees, the\n\nChannel 1: Yep.\n\nChannel 0: they would buy and and sell and the cash account needs to assist. You\n\nChannel 1: Yes.\n\nChannel 0: do have a cash account within your Australian retirement trust fund as well. So that that also works that way, whereas the rest of the funds will all just be invested across the stock options that I've chosen, and and you have a really good variety. You know, you've got your gold, so you've got good mineral sitting there for stability and growth, and they've got, you know, secure options. So we're not going into anything risky or new. We're not trying to buy anything","paragraphs":[{"sentences":[{"text":"Hello.","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.07629711925983429},{"text":"Woah.","start":2.6399999,"end":3.04,"sentiment":"neutral","sentiment_score":0.2605091631412506},{"text":"And good afternoon.","start":3.04,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.31171001493930817}],"sentiment":"neutral","sentiment_score":0.25438726544380186,"channel":0,"num_words":5,"start":1.92,"end":3.9399998},{"sentences":[{"text":"Hey.","start":4.88,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.20460018515586853},{"text":"How are you 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5%.","start":525.47003,"end":527.49,"sentiment":"neutral","sentiment_score":0.14602250047028065}],"sentiment":"neutral","sentiment_score":0.14602250047028065,"channel":0,"num_words":8,"start":525.47003,"end":527.49},{"sentences":[{"text":"Yep.","start":527.18,"end":527.68,"sentiment":"neutral","sentiment_score":0.18624816834926605}],"sentiment":"neutral","sentiment_score":0.18624816834926605,"channel":1,"num_words":1,"start":527.18,"end":527.68},{"sentences":[{"text":"The growth assets that are there to","start":527.79004,"end":529.73,"sentiment":"neutral","sentiment_score":0.2133435777255467}],"sentiment":"neutral","sentiment_score":0.2133435777255467,"channel":0,"num_words":7,"start":527.79004,"end":529.73},{"sentences":[{"text":"Mhmm.","start":529.395,"end":529.895,"sentiment":"neutral","sentiment_score":0.19301986694335935}],"sentiment":"neutral","sentiment_score":0.19301986694335935,"channel":1,"num_words":1,"start":529.395,"end":529.895},{"sentences":[{"text":"five c investment to to to build growth and wealth within the portfolio for you.","start":530.27,"end":535.17,"sentiment":"positive","sentiment_score":0.3555012543996175},{"text":"So","start":536.33496,"end":536.575,"sentiment":"neutral","sentiment_score":0.2016972303390503}],"sentiment":"positive","sentiment_score":0.34588850289583206,"channel":0,"num_words":16,"start":530.27,"end":536.575},{"sentences":[{"text":"Yep.","start":536.4975,"end":536.9975,"sentiment":"neutral","sentiment_score":0.254140704870224}],"sentiment":"neutral","sentiment_score":0.254140704870224,"channel":1,"num_words":1,"start":536.4975,"end":536.9975},{"sentences":[{"text":"realistically, overall, we aim to have about 1.25% sitting in cash within the account.","start":536.575,"end":540.83496,"sentiment":"neutral","sentiment_score":0.25916525402239393},{"text":"That obviously fluctuates.","start":541.615,"end":542.755,"sentiment":"neutral","sentiment_score":0.12212889889876048},{"text":"We always wanna have some cash or some liquidity within the fund for you to be able to pay, you know, any of the the fees, the","start":543.055,"end":549.45,"sentiment":"neutral","sentiment_score":0.33083553115526837}],"sentiment":"neutral","sentiment_score":0.29380135441368277,"channel":0,"num_words":44,"start":536.575,"end":549.45},{"sentences":[{"text":"Yep.","start":549.44,"end":549.94,"sentiment":"neutral","sentiment_score":0.27992677688598633}],"sentiment":"neutral","sentiment_score":0.27992677688598633,"channel":1,"num_words":1,"start":549.44,"end":549.94},{"sentences":[{"text":"they would buy and and sell and the cash account needs to assist.","start":549.45,"end":552.65,"sentiment":"neutral","sentiment_score":0.3112201392650604},{"text":"You","start":552.65,"end":552.81,"sentiment":"neutral","sentiment_score":0.2661415636539459}],"sentiment":"neutral","sentiment_score":0.3080002410071237,"channel":0,"num_words":14,"start":549.45,"end":552.81},{"sentences":[{"text":"Yes.","start":552.8,"end":553.3,"sentiment":"positive","sentiment_score":0.3602359890937805}],"sentiment":"positive","sentiment_score":0.3602359890937805,"channel":1,"num_words":1,"start":552.8,"end":553.3},{"sentences":[{"text":"do have a cash account within your Australian retirement trust fund as well.","start":552.81,"end":556.11,"sentiment":"positive","sentiment_score":0.39876746443601757},{"text":"So that that also works that way, whereas the rest of the funds will all just be invested across the stock options that I've chosen, and and you have a really good variety.","start":557.29004,"end":565.67505,"sentiment":"positive","sentiment_score":0.4915445923353686},{"text":"You know, you've got your gold, so you've got good mineral sitting there for stability and growth, and they've got, you know, secure options.","start":566.05505,"end":573.6429,"sentiment":"positive","sentiment_score":0.5851159691810608},{"text":"So we're not going into anything risky or new.","start":573.6429,"end":576.7029,"sentiment":"neutral","sentiment_score":-0.06818621026145087},{"text":"We're not trying to buy anything","start":576.92285,"end":578.44794,"sentiment":"neutral","sentiment_score":-0.13150331688423952}],"sentiment":"positive","sentiment_score":0.4005298358990866,"channel":0,"num_words":85,"start":552.81,"end":578.44794}]},"summary":{"result":"success","short":"The representative discusses the customer's financial situation and insurance coverage, offering to help with coverage and potential savings. The customer asks about transferring insurance to a lower rate and transferring partial amount of insurance. The agent explains they can only transfer partial amount and sends a document to change coverage. The speaker explains cost of life cover to the customer, including monthly fees and monthly fees per month. The customer is interested in transferring $100,000 worth of coverage and the agent explains they can do so with a $100,000 worth of fly cover total and a $100,000 worth of TPD cover total. The speaker emphasizes saving money and maintaining a flexible retirement plan, and provides recommendations for investment and monthly fees."},"intents":{"segments":[{"text":"Did make mention that, obviously, this is based on current circumstances, but once she hits 60, Larissa will probably look at setting up a TTR with you to try and maximize the tax benefits and so on so they should be able to improve things a bit further on the back end. But, yeah, she seems pretty happy with everything so far. Fantastic.","start_word":32,"end_word":94,"intents":[{"intent":"Schedule tr meeting","confidence_score":0.007932472}]},{"text":"So I've got Larissa on the line. She'll just run through all the compliance stuff. But Okay.","start_word":153,"end_word":169,"intents":[{"intent":"Inquire about compliance","confidence_score":0.001831761}]},{"text":"your goals outlined what you wanted to try and get a chart of your superannuation in the time that you had working left, Mhmm.","start_word":320,"end_word":343,"intents":[{"intent":"Streamline superannuation chart","confidence_score":0.02276552}]},{"text":"So, yeah, if you're wanting to just go ahead with a 100,000, I guess the only thing I would ask you to do is when you sign the documents is just write in there's, like, an alteration section above the signature Yep. where I'll just get you to write down that, you know, you only wanna proceed with a $100,000 worth of fly cover total and a $100,000 worth of TPD cover total. Yep.","start_word":646,"end_word":719,"intents":[{"intent":"Manage documents","confidence_score":0.0066761635}]},{"text":"Bloody need it anyway, but let's just say peace of mind. Okay.","start_word":985,"end_word":996,"intents":[{"intent":"Provide peace of mind","confidence_score":0.1218925}]},{"text":"So when the paperwork comes through, I just need to amend the alteration. Yeah. Yeah.","start_word":997,"end_word":1011,"intents":[{"intent":"Amend alteration","confidence_score":0.944155}]},{"text":"Previously, you were in, like, a life cycle, which under Australian retirement trust decreases as you get older. Okay.","start_word":1250,"end_word":1268,"intents":[{"intent":"Arrange retirement trust","confidence_score":0.00054317963}]},{"text":"So what I did was I took a little bit more of a not really more of a a conservative leaning because realistically, currently, you're existing you're an existing portfolio with the blend that you had with 78% growth asset or 78% with your the asset you hold are equities or property Mhmm. related assets that were specifically there to grow your super fund. Yep.","start_word":1321,"end_word":1385,"intents":[{"intent":"Analyze investment portfolio","confidence_score":0.00073682785}]}]},"sentiments":{"segments":[{"text":"Hello. Woah. And good afternoon. Hey. How are you doing?","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.22935780882835388},{"text":"Good. That's good. She is lovely. We've gone through all of her questions. She seems pretty happy and satisfied with everything now.","start_word":10,"end_word":31,"sentiment":"positive","sentiment_score":0.6886914372444153},{"text":"Did make mention that, obviously, this is based on current circumstances, but once she hits 60, Larissa will probably look at setting up a TTR with you to try and maximize the tax benefits and so on so they should be able to improve things a bit further on the back end.","start_word":32,"end_word":83,"sentiment":"neutral","sentiment_score":0.18133272230625153},{"text":"But, yeah, she seems pretty happy with everything so far. Fantastic. Awesome. Cool bananas.","start_word":84,"end_word":97,"sentiment":"positive","sentiment_score":0.5306157469749451},{"text":"Let's And just rock FYI, welcome an and insurance call for Monday at around one roll. PM. Monday at 1PM. Yeah. We're on I'll the same pop it time on zone. the email. Yeah. No. That's cool. Cool. Cool. Yeah. That's fine. Yeah. Awesome. Alright. I'll get it for you. Thanks. Thank you for holding. So I've got Larissa on the line. She'll just run through all the compliance stuff. But Okay. Have a great afternoon, and I'll hopefully speak with you again soon.","start_word":98,"end_word":181,"sentiment":"neutral","sentiment_score":0.1441318690776825},{"text":"Excellent.","start_word":182,"end_word":182,"sentiment":"positive","sentiment_score":0.34684234857559204},{"text":"Alright.","start_word":183,"end_word":183,"sentiment":"neutral","sentiment_score":0.29282915592193604},{"text":"Thanks for your help. And take care.","start_word":184,"end_word":190,"sentiment":"positive","sentiment_score":0.4345168173313141},{"text":"Bye. Thank you. Hi, Sandra. Larissa. How are you going? Good. Good. Good. I've sort of smashed him with a couple of questions, but he come back with all the right answers, so we're ready to go.","start_word":191,"end_word":227,"sentiment":"neutral","sentiment_score":0.20638969540596008},{"text":"Fantastic.","start_word":228,"end_word":228,"sentiment":"positive","sentiment_score":0.431352823972702},{"text":"Well, fire away with any questions you might have anyway. But, realistically, I I guess, Fabian's gone through a lot of the bulk, but I guess I may not down to some of the intricate details a little bit, and I guess explain some of the reasons why the decisions were made and where the decisions were made. So if you're looking at the document, the the biggest bulk of the document is the statement of advice on that, details where and why the advice has been given. So Yep. your goals outlined what you wanted to try and get a chart of your superannuation in the time that you had working left, Mhmm. and, you know, obviously, very conscious about making sure that we're getting it to a decent time. And you'd reference the $400,000 balance as well. So I was obviously looking to keep that in mind. Obviously, you know, if we can overshoot it, then that's where we wanna hit. Yes. We also talked about insurances and make sure that if anything happened to you, there was a burden to the family financially. Well, And that was the one thing I asked Fabian. Like, can I just, like, drop the insurance down to around, you know, just say, like, the 100,000 on both? Like, is is there much is there any benefit in that? Like, is it worthwhile me doing that or not? Yeah. So we can we can definitely, like, change the the the scale of that. So here I mean, since we're talking about it, lots ahead.","start_word":229,"end_word":490,"sentiment":"neutral","sentiment_score":0.04857079160065597},{"text":"I love a good skin.","start_word":491,"end_word":495,"sentiment":"positive","sentiment_score":0.6365391612052917},{"text":"So there's there's two different components to the the insurance. Yep. One is, like, you have $36,000 with Australian Retirement Trust right now that we wanna Yes. transfer over, and what I wanna do is set a default cover. The default cover is age based. So Okay. based on your age, we can only get $90,000. Yep. But what we can do is we can only try we could look to transfer partial amount of the Australian retirement trust insurance. So, basically, look at, say, transferring $10,000 of that. With the $90,000 with default, we get a 100,000. Okay. So it's the same. That's Yep. an outcome. Yep. It's just yeah. Just I guess, again, for me, just changes things, but nothing like, for you, it would just be a matter of you have a $100,000 a life, $100,000 also with a PDD or total purpose disability. Yep. Yep. So, yeah, if you're wanting to just go ahead with a 100,000, I guess the only thing I would ask you to do is when you sign the documents is just write in there's, like, an alteration section above the signature Yep. where I'll just get you to write down that, you know, you only wanna proceed with a $100,000 worth of fly cover total and a $100,000 worth of TPD cover total. Yep. I'll Yep. edit that for the back end.","start_word":496,"end_word":726,"sentiment":"neutral","sentiment_score":0.08801121912993394},{"text":"That's Okay.","start_word":727,"end_word":728,"sentiment":"positive","sentiment_score":0.34408488869667053},{"text":"that's nice Like so so it's it's not like is it gonna help oh, where am I putting this? Like, is it is it worth doing it, to be honest? You know, like, is it is it and only easy. gonna save me $5, or is it work my while? Let me have a quick look. I can just quickly alter the quote to tell you what we're looking at, like, what what it would say overall because, like, right now, it's I can't math.","start_word":729,"end_word":813,"sentiment":"neutral","sentiment_score":0.022411394864320755},{"text":"Basically, I really can't math today.","start_word":814,"end_word":819,"sentiment":"negative","sentiment_score":-0.4144573211669922},{"text":"Wow. So right now, it's $78.88 per month, which equates to $948.56 a month if we were, like, to go with basically the 126,000. Yep. If we decrease that down give me one quick second, and I will have a quick look. I just have to pull up that side of the file. You are the yeah. It's my mother's birth date. I won't forget that's visual. Email, you are Queensland, and you are accounts. Accounts clerk. There we go. Tailored. If we go 10123. And that one. Yep. Okay. So what that would do is that would drop down that component of the cover. So you would send okay. Scroll to the 59. We would drop from 7888. So, basically, Yep. let's just say $79 Yep. down to $55.68 per month annually. If we go all of it, it's $946.56 versus $788.16. So it's sort of about a $160 savings. Okay. Like yeah. Alright. So I I will go ahead. Let him for better. Bloody need it anyway, but let's just say peace of mind. Okay. So when the paperwork comes through, I just need to amend the alteration. Yeah. Yeah. So just it's a matter of, like, just above the signature section, you would just write that you only want to save with a 100,000 a life, a 100 and half of the the total time disability cover. Yep. If you're wanting to, yeah, just proceed with that much, and I will I can do that on on back end.","start_word":820,"end_word":1071,"sentiment":"neutral","sentiment_score":0.07486561938033749},{"text":"That's nice Okay. and easy.","start_word":1072,"end_word":1076,"sentiment":"positive","sentiment_score":0.6020547151565552},{"text":"Yep. And, yeah, that that would just mean that if anything were to happen to you and you were to pass away, that you have a $100,000 that would be basically paid to your superannuation fund, and that $100,000 would get added to the balance you have in your super fund Yep. to then, yeah, then be paid out to your your estate. Yes. And I know, like, we're not we don't have any major debts. Like, we have a credit card. That's sort of a role of credit card. Yep. So other than that, we don't have any any major state major debts. No. So, basically, at today, it would mean that, sort of, you know, your your your date would end up with sort of March and Mhmm. twenty twenty one thousand, I Yep. think. Yeah. So, yeah, aside from that, investment wise, I hand selected the investments to just better align with where the market is at the moment and what we put moving forward with market with market variations. Previously, you were in, like, a life cycle, which under Australian retirement trust decreases as you get older. Okay. So it becomes it becomes less risky the older we get. It basically Sure. takes on more of a defensive position and less of an aggressive position. Yep. And Understand then it. and then we have the high growth, which is of like, is a a senate of some more aggressive bracket. So what I did was I took a little bit more of a not really more of a a conservative leaning because realistically, currently, you're existing you're an existing portfolio with the blend that you had with 78% growth asset or 78% with your the asset you hold are equities or property Mhmm. related assets that were specifically there to grow your super fund. Yep. And I moved you over to just a little more of a structured products because the Yep. two products that you hold started doubling up on a lot of the asset underlying. Whereas this way, with the recommendations I've made, you're not doubling up any of the specific line assets. You're still a little bit more diversified. Okay. You're a little bit more purpose.","start_word":1077,"end_word":1449,"sentiment":"neutral","sentiment_score":0.10605848247020558},{"text":"It's obviously purpose built, and and you're sitting 86% roughly.","start_word":1450,"end_word":1459,"sentiment":"positive","sentiment_score":0.3370122015476227},{"text":"It obviously Yep. fluctuates, but I'm at 80 sort of 5%. Yep. The growth assets that are there to Mhmm.","start_word":1460,"end_word":1479,"sentiment":"neutral","sentiment_score":0.16831384599208832},{"text":"five c investment to to to build growth and wealth within the portfolio for you.","start_word":1480,"end_word":1494,"sentiment":"positive","sentiment_score":0.34556376934051514},{"text":"So Yep. realistically, overall, we aim to have about 1.25% sitting in cash within the account. That obviously fluctuates. We always wanna have some cash or some liquidity within the fund for you to be able to pay, you know, any of the the fees, the Yep. they would buy and and sell and the cash account needs to assist. You Yes.","start_word":1495,"end_word":1556,"sentiment":"neutral","sentiment_score":0.28975996375083923},{"text":"do have a cash account within your Australian retirement trust fund as well. So that that also works that way, whereas the rest of the funds will all just be invested across the stock options that I've chosen, and and you have a really good variety. You know, you've got your gold, so you've got good mineral sitting there for stability and growth, and they've got, you know, secure options.","start_word":1557,"end_word":1626,"sentiment":"positive","sentiment_score":0.5170384219714573},{"text":"So we're not going into anything risky or new. We're not trying to buy anything","start_word":1627,"end_word":1641,"sentiment":"neutral","sentiment_score":-0.0731903463602066}],"average":{"sentiment":"neutral","sentiment_score":0.13361720520203926}}}}