{"metadata":{"transaction_key":"deprecated","request_id":"019e8731-e74b-71a3-9712-d87f0bc31993","sha256":"693fdbe7e031a8f8e982f7c0f41f8ead166ec3f26b8baa4c48bc20354c5179f1","created":"2026-06-02T07:17:38.721Z","duration":1990.584,"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":7773,"output_tokens":132},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8783,"output_tokens":8800},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8783,"output_tokens":541}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Matthew. It's Tom here, senior adviser. How are you going? Right. Living the dream so far. It's a cool evening, and the week is flying by pretty quick already. What about your end? No. It's okay. It didn't actually ring through, so I don't think you would have seen it. It just went straight to voice mail, and I was like, oh, I'll send him a text just in case. Yeah. Yeah. Yeah. Yeah. So what I'll do in this situation, what I gotta do is basically update some of your details, see what I can note down in your fact find in terms of assets, liabilities, what's changed, and then I'll pretty much come up with a bit of a game plan with you on how you're tracking and whether we need to adjust anything, whether it's the insurance or the super. So I'm just pulling up your super account now. And while I'm doing that, with the separation, has that finalized in terms of a property settlement? Yeah. Settling of style. Yeah. So that's some of the the considerations that I have to do as well because once you go through and that's finalized is I need to take a bit of stock in where that lands and see how much we need to do in terms of, like, catching up the super, how that's actually projecting, and things like that. When I've got some final figures, that'll help a little bit, but I will check the super with you today. But just bear in mind, there'll be a couple things that'll be on hold. So just quickly with the investment property, I last had it listed when you spoke to Kyle at six hundred and fifty thousand value owing $3.80. Do you know what the new figures are? Yep. $5.30. Yep. Yeah. Yep. Yeah. Okay. So you think it might actually come into your account? Yep. No worries. So as far as other assets go, so the property is gonna clear maybe $40,000 each. We did have two vehicles listed. One was for the partner. One was a u for yourself that you still had a bit of debt on. And then we had some shares and tools was the main assets. Yep. Perfect. Alrighty. So that's amazing. I'm just having a look. We've updated your address already. So let me just triple check that I've got all of that. 1 Slash 17 Surrey Street in Box Hill. Yep. 1 Slash 17. Sorry. And that's in 3128. The email address that we've got on file, let me just quickly double check that one. We've got mSmithGardens@OptusNet. Yep. Alright. Gardens OptusNet. Alrighty. And in terms of last two sort of bit more personal update questions for you, just in terms of occupation and income, landscape gardener on about a 100,000. Yep. And we did have two children listed. One was 17 and 13 at the time, which was about a year ago nine months ago. Eighteen and fifteen. One thing I wanted to do, I'm gonna jump into the super now, but just in terms of I know it's early, but goals wise. So once everything kind of settles, do you already have a bit of an idea of what the kind of next steps are for you, or do you wanna kind of revisit that later? Yeah. Yeah. Yeah. Anything property wise that you wanna kind of get another one with all the cash and assets? Yep. Okay. So that kinda swings me over to the superannuation portion of the insurances. So what I'm gonna kinda do do you have any of your original certificates or current insurances open in front of you? The trauma. Yeah. Absolutely. I've got it all open in front of me. So I'm having a quick look at the the four policies, the way they're split, and everything like that. Let's just have a quick look. So income protections there, five thousand 966 per month worth of cover. That's, like, the payment that would come out to you. Thirty day waiting period, five year benefit. That's pretty perfect. It's like you're out of work for a month, kicks in monthly up to five years for each injury and illness, if that makes sense. I'm just double checking your inception date. So that covers 70% of income, which is covering an income of about a $102,100 and 203,000 is being protected at the moment. So if that's okay for you, just bear in mind, like yeah, yeah, it's mainly like an expense covering exercise there. And what tends to happen is, like, let's say I've recorded you as a 100,000 income, let's say, and you go and claim. You give them your twelve months financials. If they say you're protected for a 102,000, but you own a 100, they'll give you 70% on the 100,000 that you've actually got on paper. So just bear in mind that it's very close, but it'll be based on the actual income at the time. Life and DPD insurance, so that's your total disability where it's like if you pass away, here's a lump sum. If you can never work again, here's a lump sum. You have 787,500 of those. And combined, they're a little bit under $2 in premiums. So I wanna kind of run that by you because if you're gonna purchase that two bedroom apartment, have you got any idea about how much that would cost? $4.50 and 500. So what that kind of says is that outside of debt clearance, future liabilities, you look a little bit over insured unless you're wanting that lump sum cover to replace, like, lost income for the family, kids, and so on. Yeah. So if I let's say 787,000 current, 500,000 flat as an example, that chops about a third of it off. So you go from, say, 1,900 down to 1,400 kind of thing would be my estimate. Yeah. Yeah. Because it's one of those things where what you want it for so step one, okay, get a a mortgage, clears the mortgage, happy days. You've got your income protection to kick in. That's great. And then from there, you can insure yourself for millions and come up with all reasons for it. You can say, okay. If I can never work again, I want the mortgage paid off, but then I also want a million dollars to live off and invest and renovate the house and do all this sort of thing, and you can just add so many different things on. And the problem that you've got is that every January, that's gonna go up in premiums. And before you know it, just under 5,000 becomes 6 and a half, becomes 8, becomes 10, becomes 15 over the next ten years. And before you know it, then the supercombing backwards. Through the fifties and sixties is when it starts to become a bit of a hockey stick, and that's what I'm saying where it goes from, like, 3 to 15,000 a year over a ten year period. So the idea is as you pay debt down, you can trim it down, or you have to shop around every couple of years. Yes. So I need to do a couple of checks because not only do we do a bit of a trim down, I can like, it's been a couple of years just about. I can shop around and see if there's someone that's more affordable there. Like, I know MetLife did a pretty good deal initially. It hasn't been long enough that there would be too many, but I'm gonna just do the due diligence, research the market, and see. You can get default cover when you apply for an account, like, within sixty days. You can get a bit of a default cover added there. But the main one for you at the moment, the kicker is the income protection. That's kind of your most expensive one. Yeah. Yeah. There there is a bit of a trade off that you can consider, and it's it's purely up to you here, is you can adjust the waiting periods and the benefit periods. So what's possible is if you go, okay. If I'm out of work for a month, this will kick in. But if you've got some savings built up, you can extend it out to sixty or ninety days, and that reduces it quite heavily. And then you've got the option to reduce the benefit period per injury from five years to two years. So it's more like short term. Yep. So if you want, I will look at a bit of a reduction of the life in TPD to 500,000 flat, and then we can revisit altering the income protection next year. K. I still will just do a bit of a search on providers because if I see something amazing, that's like a 40% savings. I'll bring it up with you. But if not, I'm just gonna do an alteration with MetLife because there's no you you sign the letter saying trim it down. They just do it straight away. There's no applications and underwriting and health checks and all that kind of thing. But if there's a big difference, I will flag it for you. Yeah. It's $5.04 gross, and then the 15% rebate drops it down to $4.05 sorry, 4 6. Yep. They're just increasing to 32 and a half next financial year. Yeah. Exactly right. No. So anything above that, they look back five years to see if there's any cap that you've unused. And then outside of that, they start hitting you at that marginal rate with the 15 percent offset. We can help with it. The only thing that I need from you is if you go on your myGov, they have a section there that will literally tell you you have this much to use the last five financial years, and they'll break down every year for you. So I can even guide you through there if you wanna hop on my gov now, or we can just grab that off you later. You can do it next financial year is totally cool. It just means that because they look back five years, as each year progresses, that previous one gets chopped off. Yep. Yep. So when I look at the super, do you want me to consider what it looks like with the 30 slash 32 and a half going in there in terms of projections going forward? Like, I'll update your your advice with the insurance premiums and what that does. And you're doing four. Yep. Yeah. So the cap's the cap, and then all the expenses under the hood, they all get these 15% rebates, but they don't allow you to do extra to cover all the expenses. So the insurances don't extend your cap or anything like that. So based on the four 100 okay. Perfect. I won't do any at the moment. We'll just come back to that next time. Because, again, when we look at the income protection, we can also have a look for any lump sums to do Next one is for you. So I'll put that in as a bit of a pause in terms of lump sum. The 400 a week that's going in there at the moment, it's listing as member voluntary through BPAY. Do you normally just go through that notice of intent to claim for it? That makes sense. Okay. So Yep. Perfect. Perfect. So the we'll put it in as, like, 26 currently. And then do you normally just do the form to claim them as a tax deduction before you do your tax return every year? Yep. Perfect. And I'll do a projection to show you what the 32 and a half does as well just so you can see the difference between the two. Got that, and we've got that. Now in terms of balance, you've had a pretty pretty solid buy in from your contributions, which has been really good. I know you had a bit of a rough period in 2025, but the last twelve months is looking really good just in terms of balance going from that sort of 69 up to 88 and a half even with the market dropping. So that one's well, that's a bit of a the high growth roller coaster for you is a bit fun. Yep. What do they call that? The risk return trade off where when everything's going up, everyone's excited, and then they panic when it goes down. And then after a few of those, you become a bit more calm to it. But it seems like a lot. Yeah. That's it. That's the one that you're allowed to say, and I'm not on a record call, but I agree. One good thing, though, is all of the investment options are doing fantastic. You've got battery tech and lithium up a 101%. Gold's up just under 20 international shares. So all overall, you still clear the 12% return after fees, which is above the 10 for the benchmark. Yeah. Look. Some years, you're even gonna be down 25, and then it'll go up 40, and that's just as long as you're in high growth, that's kind of the the roller coaster we do to average out for a decade, and then we reduce the risk down once it's built. There is one thing I'll do, though, is sorry to interrupt you. One investment option is kind of it's not doing too well, the Australian shares. It's, from what I can see, down 16. The rest of the portfolio is looking really good. So if I'm gonna be updating the insurances, I may just replace that option just to get a bit of an engine tune up going. Yeah. And it's one of those things where this option's going down a bit further than the other ones, and I wanna kind of just bring that back in line a little bit. Do you have a bit of a preference between that kind of low fee, passive style versus the higher fee, try and beat the market, get a higher return style? Do you have a preference? Yeah. Well, one of the little improvements I can do is, like, you're in this blended style at the moment where most of them are low fee ETFs, and then that one managed funds, the active portion hasn't been doing its thing. But there's we've got really good alternatives across all the different styles. And Hub's got the most investment options in the country, so I can pick a really good one, get the fees down a bit, and it's done better, you know, short term, medium term, long term. And I can do a bit of a little switcheroo. Yes. Yeah. So when I'm looking at your account, Hub's got their one point 25% minimum cash Hub balance for the bank account. But outside of that, everything's invested. So there's, like, 18 $100 sitting there ready to clear. Those little buys you see, you know, contributions come in, buys into the market with a dollar cost averaging. Okay. So I could update that one option there. Now just bear on because you are in that high growth, you're kind of that 90% growth assets, shares, property, gold, you still got just shy of about 6% sitting sitting in fixed interest, which is a small portion in the lower risk, you know, earns four to 5% safe return. Look. The high growth's long term, fantastic. I'm just letting you know that there's a small portion that's in a little bit lower risk. It's not cash, but it's the one above cash. Cool. Alrighty. So game plan from here is pretty much just go through your your settlement and everything as you do. We will get the life and TPD insurances trimmed down, portfolio tuned up, and then I'll kind of run through that with you in an updated advice document. And you can kind of say what I'm proposing, make sure you're happy. I'll do the switches, and then we'll come back around for the income protection and further contribution strategies. Yep. I will include the 32 and a half just so you can see it as well. Let me have a look. I'm gonna do a very, very rough on the phone projection here. Just let me plug in a few figures. Just while I'm updating this projection here, I do have to ask you one more sort of personal question, and it's just around the estate planning in terms of beneficiary nominations, whether you wanted to still leave them as is or if you had someone else that you wanted to now switch for the nomination. Yep. In next meeting as well. That's cool. I'm just putting in here the 500 a week to start with, and then anything that goes in super, obviously, there's the the 15% that comes off of it. So I'm just gonna work that off, get you a bit more of a conservative projection here, and I'll work my way up. So in terms of retirement, are we still just hitting, like, a nice normal kind of age 65, 67? Okay. This alright. This is incumbent on you getting a nice high growth return for quite a while and that level of contributions for quite a while, but I'll give you a few rough figures here. So let's say we do $4.25 a week after tax. That's your your contributions currently. 10% benchmark return for high growth. You're kind of just getting shy. You're just hitting a million dollars at 65. But that doesn't take into account a slight risk reduction in those last few years. So call it $85,900,000 just based on benchmark. Yeah. If I add that in, a $188.05, that impacts things by another 2 to 400,000. So that pretty much guarantees based on benchmark return, your contribution level, and a 188,000 balance that you will clear that mark. And the last thing I'm gonna bump up is if I go to 32 and a half, let's call it $6.25. Bump that in there. The extra contributions impacts it by from about 1.4 to 1.6. So getting that 32 and a half in there, that's another couple of 100,000. And then for every 1% over that is another 200,000. So as long as we're getting at least 10% return, current contributions and a 188,000, it it's this weird trade off where the last ten years going from 51 to 60 is where it ramps up to that million, 1 0.2, 1.4, or 800. And then you've got to kind of turn the risk off so you don't just lose it all when the stock market crash at 63. Yep. But that level of contributions, high growth in that balance, you have a really strong way to catch that right up. And even if we did a, let's say, work had to slow down for two years between '60 and '62, we can do a transition to retirement strategy. So you can take some money out of super and put it back in again for a deduction and boost it up a little extra that way. There's a few things that we can do. So looking pretty good as long as we can maintain that. But, again, it's pretty much just gonna be every year. We just have an updated discussion what's going on in the markets, what do we need to fine tune, and your outcome is gonna be somewhere between $8.50 1.4. Yeah. Cool. So I've got a bit of a game plan. Does all that kind of make sense to start with while I build the plan and do the research? Awesome. From here, I'm actually about to go on leave for two weeks. I'm having a my third baby is due next week. Thank you. So two boys, and I've got a girl on the way. So I'll be on paternity leave for a fortnight, and then that's basically what when the team does the research while I'm away. And then I'll build that plan, and they'll book you in to go through it with me. And then we'll do another catch up, you know, six months later to go through steps two. Yep. I will pretty much be looking through everything. Sorry. You go. Yes. So I'll pull up the service agreement at the moment. Let's have a little look. So your service agreement still runs through till October 2026 currently, and it doesn't expire until March 2027. It'll be one of the things where I'll have a discussion with you towards that endpoint, and we can kind of discuss what the services look like. If I can maintain it, I will, but it's a request that I would have to put through next year. Yep. Yeah. So it was 1.65, and the couple's discount's 1.1. Yep. And then once you hit 600,000, that's when it flat caps. And, again, everything after that because we've got the clients 1,000,000, 2,000,000, that kind of thing, and we have to put a bit of a cap at the 600 mark. Cool. Any questions so far, or does that sound good? Cool. If you have any questions in between and something changes, you wanna have a chat while I'm away, we do have Larissa, our head of advice, and the rest of the advice team still available. But if there's any emergencies, they'll contact me as well. Cool. I'm just quickly checking the updated goals here because I've got the retirement goals set in there. We've got the updated sort of property settlement to bedroom as the idea for the next twelve months and just kind of altering the insurances a little bit. That's what I'm putting in there as goals. No. No. So what I'm sort of saying is potentially a 100 is what we're I'm not even gonna include it now until it's a reality. Outside of that, I'm saying property settlement 40 goes into cash alongside the 55 in shares and the 50 in savings for the time being. Yeah. So if we attack it from three, four angles, pretty well, good chance to get there. Awesome. Alright, mate, mate. Appreciate your time today. I will work my magic and do my thing. And then in about four weeks' time, you'll get booked in with me, and we'll run through the the plan together. And then I'm good to go. Awesome, mate. You have a great night. Anything you need, just call straight back. I will. Thank you so much, Matt. Bye.","confidence":0.99902344,"words":[{"word":"good","start":1.28,"end":1.68,"confidence":0.9980469,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.29185056686401367},{"word":"afternoon","start":1.68,"end":2.08,"confidence":0.9970703,"punctuated_word":"afternoon,","sentiment":"neutral","sentiment_score":0.24742057919502256},{"word":"matthew","start":2.08,"end":2.3999999,"confidence":0.99316406,"punctuated_word":"Matthew.","sentiment":"neutral","sentiment_score":0.2647707164287567},{"word":"it's","start":2.3999999,"end":2.56,"confidence":0.98461914,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.22632387280464172},{"word":"tom","start":2.56,"end":2.8,"confidence":0.9277344,"punctuated_word":"Tom","sentiment":"neutral","sentiment_score":0.20946601033210752},{"word":"here","start":2.8,"end":3.12,"confidence":0.9851074,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.2053922861814499},{"word":"senior","start":3.12,"end":3.36,"confidence":0.984375,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.18889306485652924},{"word":"adviser","start":3.36,"end":3.84,"confidence":0.9604492,"punctuated_word":"adviser.","sentiment":"neutral","sentiment_score":0.17513513565063477},{"word":"how","start":3.84,"end":4.0,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.23647692799568176},{"word":"are","start":4.0,"end":4.08,"confidence":0.86279297,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2093185633420944},{"word":"you","start":4.08,"end":4.16,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16436702013015747},{"word":"going","start":4.16,"end":4.66,"confidence":0.967041,"punctuated_word":"going?","sentiment":"neutral","sentiment_score":0.2190210372209549},{"word":"right","start":6.48,"end":6.8799996,"confidence":0.7475586,"punctuated_word":"Right.","sentiment":"positive","sentiment_score":0.46041855216026306},{"word":"living","start":6.8799996,"end":7.12,"confidence":0.99316406,"punctuated_word":"Living","sentiment":"positive","sentiment_score":0.6029582023620605},{"word":"the","start":7.12,"end":7.2799997,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.684828519821167},{"word":"dream","start":7.2799997,"end":7.6,"confidence":0.97802734,"punctuated_word":"dream","sentiment":"positive","sentiment_score":0.6729145646095276},{"word":"so","start":7.6,"end":7.7599998,"confidence":0.9970703,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6143350005149841},{"word":"far","start":7.7599998,"end":8.0,"confidence":0.9980469,"punctuated_word":"far.","sentiment":"positive","sentiment_score":0.6387923955917358},{"word":"it's","start":8.0,"end":8.24,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6930134296417236},{"word":"a","start":8.24,"end":8.4,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7317095994949341},{"word":"cool","start":8.4,"end":8.72,"confidence":1.0,"punctuated_word":"cool","sentiment":"positive","sentiment_score":0.7378121018409729},{"word":"evening","start":8.72,"end":9.2,"confidence":0.9650879,"punctuated_word":"evening,","sentiment":"positive","sentiment_score":0.6923050880432129},{"word":"and","start":9.2,"end":9.7,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6365360617637634},{"word":"the","start":9.92,"end":10.08,"confidence":0.78759766,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7228233814239502},{"word":"week","start":10.08,"end":10.32,"confidence":0.60839844,"punctuated_word":"week","sentiment":"positive","sentiment_score":0.7286933064460754},{"word":"is","start":10.32,"end":10.48,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7623752355575562},{"word":"flying","start":10.48,"end":10.8,"confidence":0.97802734,"punctuated_word":"flying","sentiment":"positive","sentiment_score":0.8149853944778442},{"word":"by","start":10.8,"end":11.04,"confidence":1.0,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.7413803935050964},{"word":"pretty","start":11.04,"end":11.28,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.704229474067688},{"word":"quick","start":11.28,"end":11.44,"confidence":0.9951172,"punctuated_word":"quick","sentiment":"positive","sentiment_score":0.7867860198020935},{"word":"already","start":11.44,"end":11.92,"confidence":1.0,"punctuated_word":"already.","sentiment":"positive","sentiment_score":0.6242260932922363},{"word":"what","start":11.92,"end":12.08,"confidence":0.9941406,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.15444278717041016},{"word":"about","start":12.08,"end":12.4,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13378295302391052},{"word":"your","start":12.4,"end":12.559999,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1093602105975151},{"word":"end","start":12.559999,"end":12.975,"confidence":0.99853516,"punctuated_word":"end?","sentiment":"neutral","sentiment_score":0.2629815936088562},{"word":"no","start":16.815,"end":16.975,"confidence":0.95166016,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03980962187051773},{"word":"it's","start":16.975,"end":17.055,"confidence":0.84887695,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0453157052397728},{"word":"okay","start":17.055,"end":17.295,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.12449689209461212},{"word":"it","start":17.295,"end":17.455,"confidence":0.9921875,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.04526877403259277},{"word":"didn't","start":17.455,"end":17.775,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.03275877237319946},{"word":"actually","start":17.775,"end":18.095001,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.0066146086901426315},{"word":"ring","start":18.095001,"end":18.335,"confidence":1.0,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.01027730479836464},{"word":"through","start":18.335,"end":18.575,"confidence":0.9147949,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.01001586765050888},{"word":"so","start":18.575,"end":18.815,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.010861171409487724},{"word":"i","start":18.815,"end":18.895,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005066808313131332},{"word":"don't","start":18.895,"end":19.055,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.002497612265869975},{"word":"think","start":19.055,"end":19.135,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0015428103506565094},{"word":"you","start":19.135,"end":19.295,"confidence":0.8461914,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003375619649887085},{"word":"would","start":19.295,"end":19.455,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.015288002789020538},{"word":"have","start":19.455,"end":19.615,"confidence":0.8286133,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.00866897776722908},{"word":"seen","start":19.615,"end":19.775,"confidence":1.0,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.00473640114068985},{"word":"it","start":19.775,"end":19.855,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.026149030774831772},{"word":"it","start":19.855,"end":20.095001,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.03926315903663635},{"word":"just","start":20.095001,"end":20.335,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0445312038064003},{"word":"went","start":20.335,"end":20.495,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.03847702592611313},{"word":"straight","start":20.495,"end":20.735,"confidence":1.0,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.03889832645654678},{"word":"to","start":20.735,"end":20.895,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.048045456409454346},{"word":"voice","start":20.895,"end":21.135,"confidence":0.96875,"punctuated_word":"voice","sentiment":"neutral","sentiment_score":0.04832881689071655},{"word":"mail","start":21.135,"end":21.215,"confidence":0.8034668,"punctuated_word":"mail,","sentiment":"neutral","sentiment_score":0.04661679267883301},{"word":"and","start":21.215,"end":21.375,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.043739594519138336},{"word":"i","start":21.375,"end":21.455,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.049306321889162064},{"word":"was","start":21.455,"end":21.535,"confidence":0.9902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04325579106807709},{"word":"like","start":21.535,"end":21.695,"confidence":0.94506836,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04440944269299507},{"word":"oh","start":21.695,"end":21.775002,"confidence":0.7388916,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.06868020445108414},{"word":"i'll","start":21.775002,"end":21.855,"confidence":0.9980469,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.060029566287994385},{"word":"send","start":21.855,"end":22.095001,"confidence":0.9980469,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.03476303070783615},{"word":"him","start":22.095001,"end":22.255001,"confidence":0.9941406,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.19696955382823944},{"word":"a","start":22.255001,"end":22.335,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18551142513751984},{"word":"text","start":22.335,"end":22.575,"confidence":1.0,"punctuated_word":"text","sentiment":"neutral","sentiment_score":0.09288164973258972},{"word":"just","start":22.575,"end":22.735,"confidence":0.98535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06766160577535629},{"word":"in","start":22.735,"end":22.895,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07654821872711182},{"word":"case","start":22.895,"end":23.395,"confidence":1.0,"punctuated_word":"case.","sentiment":"neutral","sentiment_score":0.1103380024433136},{"word":"yeah","start":28.99,"end":29.49,"confidence":0.83251953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014779764227569103},{"word":"yeah","start":52.94,"end":53.44,"confidence":0.982666,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06433341652154922},{"word":"yeah","start":69.355,"end":69.855,"confidence":0.9316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08898007869720459},{"word":"yeah","start":74.49,"end":74.99,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00792512483894825},{"word":"so","start":76.97,"end":77.37,"confidence":0.92822266,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04827346280217171},{"word":"what","start":77.37,"end":77.53,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06500434875488281},{"word":"i'll","start":77.53,"end":77.770004,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.06349565088748932},{"word":"do","start":77.770004,"end":78.090004,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0929737240076065},{"word":"in","start":78.090004,"end":78.25,"confidence":0.59375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05889498442411423},{"word":"this","start":78.25,"end":78.49,"confidence":0.9941406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.057479891926050186},{"word":"situation","start":78.49,"end":78.89,"confidence":0.99365234,"punctuated_word":"situation,","sentiment":"neutral","sentiment_score":0.0782342404127121},{"word":"what","start":78.89,"end":79.13,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10777601599693298},{"word":"i","start":79.13,"end":79.21,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07628189772367477},{"word":"gotta","start":79.21,"end":79.45,"confidence":0.5097656,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.07855278253555298},{"word":"do","start":79.45,"end":79.69,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10169777274131776},{"word":"is","start":79.69,"end":79.93,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08663198351860046},{"word":"basically","start":79.93,"end":80.33,"confidence":0.96533203,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.07911793887615204},{"word":"update","start":80.33,"end":80.73,"confidence":0.99902344,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.06916265189647675},{"word":"some","start":80.73,"end":80.81,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.05879620090126991},{"word":"of","start":80.81,"end":80.97,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07325547188520432},{"word":"your","start":80.97,"end":81.21,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05706546828150749},{"word":"details","start":81.21,"end":81.71,"confidence":0.9770508,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":0.06096990033984184},{"word":"see","start":82.090004,"end":82.590004,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05977882444858551},{"word":"what","start":82.81,"end":83.05,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04485079273581505},{"word":"i","start":83.05,"end":83.130005,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0459340363740921},{"word":"can","start":83.130005,"end":83.37,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.049816373735666275},{"word":"note","start":83.37,"end":83.61,"confidence":1.0,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.04872779920697212},{"word":"down","start":83.61,"end":83.85,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0495525635778904},{"word":"in","start":83.85,"end":84.01,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03403140604496002},{"word":"your","start":84.01,"end":84.25,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04001002013683319},{"word":"fact","start":84.25,"end":84.41,"confidence":0.8183594,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":0.03897842392325401},{"word":"find","start":84.41,"end":84.65,"confidence":0.87597656,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.046791039407253265},{"word":"in","start":84.65,"end":84.81,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.028068142011761665},{"word":"terms","start":84.81,"end":85.05,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.04519088566303253},{"word":"of","start":85.05,"end":85.21,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03968279808759689},{"word":"assets","start":85.21,"end":85.61,"confidence":0.95703125,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.034396156668663025},{"word":"liabilities","start":85.61,"end":86.11,"confidence":0.9926758,"punctuated_word":"liabilities,","sentiment":"neutral","sentiment_score":0.03607742488384247},{"word":"what's","start":86.17,"end":86.49,"confidence":0.99902344,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.034933894872665405},{"word":"changed","start":86.49,"end":86.925,"confidence":0.94262695,"punctuated_word":"changed,","sentiment":"neutral","sentiment_score":0.05211580544710159},{"word":"and","start":87.165,"end":87.40501,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07112258672714233},{"word":"then","start":87.40501,"end":87.725006,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.058782435953617096},{"word":"i'll","start":87.725006,"end":87.965004,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07257048785686493},{"word":"pretty","start":87.965004,"end":88.205,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.07732988893985748},{"word":"much","start":88.205,"end":88.445,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.08127430826425552},{"word":"come","start":88.445,"end":88.605,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.10316328704357149},{"word":"up","start":88.605,"end":88.765,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07351812720298767},{"word":"with","start":88.765,"end":88.845,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06388798356056213},{"word":"a","start":88.845,"end":88.925,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08297650516033173},{"word":"bit","start":88.925,"end":89.08501,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08467382937669754},{"word":"of","start":89.08501,"end":89.165,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09539245069026948},{"word":"a","start":89.165,"end":89.325005,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09850767254829408},{"word":"game","start":89.325005,"end":89.565,"confidence":1.0,"punctuated_word":"game","sentiment":"neutral","sentiment_score":0.1086958423256874},{"word":"plan","start":89.565,"end":90.045006,"confidence":1.0,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.1122732311487198},{"word":"with","start":90.045006,"end":90.285,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1047210767865181},{"word":"you","start":90.285,"end":90.605,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12823666632175446},{"word":"on","start":90.605,"end":91.005005,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0852038711309433},{"word":"how","start":91.005005,"end":91.165,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06212680786848068},{"word":"you're","start":91.165,"end":91.40501,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07247603684663773},{"word":"tracking","start":91.40501,"end":91.90501,"confidence":1.0,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.08652390539646149},{"word":"and","start":92.045006,"end":92.285,"confidence":0.94140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07120710611343384},{"word":"whether","start":92.285,"end":92.605,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.051803108304739},{"word":"we","start":92.605,"end":92.765,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06348329037427902},{"word":"need","start":92.765,"end":92.925,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05004667118191719},{"word":"to","start":92.925,"end":93.325005,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.047470659017562866},{"word":"adjust","start":93.325005,"end":93.725006,"confidence":1.0,"punctuated_word":"adjust","sentiment":"neutral","sentiment_score":0.03888370469212532},{"word":"anything","start":93.725006,"end":94.205,"confidence":0.94750977,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":0.048603352159261703},{"word":"whether","start":94.205,"end":94.525,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.02477385476231575},{"word":"it's","start":94.525,"end":94.765,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02637784741818905},{"word":"the","start":94.765,"end":94.925,"confidence":0.9658203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024983787909150124},{"word":"insurance","start":94.925,"end":95.425,"confidence":0.8535156,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.008833913132548332},{"word":"or","start":95.485,"end":95.645004,"confidence":0.84228516,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.006850903853774071},{"word":"the","start":95.645004,"end":95.805,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006337359547615051},{"word":"super","start":95.805,"end":96.305,"confidence":0.9470215,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.020920315757393837},{"word":"so","start":96.765,"end":97.265,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10196425020694733},{"word":"i'm","start":97.725006,"end":98.045006,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.17285571992397308},{"word":"just","start":98.045006,"end":98.205,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19938352704048157},{"word":"pulling","start":98.205,"end":98.525,"confidence":1.0,"punctuated_word":"pulling","sentiment":"neutral","sentiment_score":0.1908415853977203},{"word":"up","start":98.525,"end":98.685005,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.16260184347629547},{"word":"your","start":98.685005,"end":98.925,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2006420940160751},{"word":"super","start":98.925,"end":99.165,"confidence":0.96875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1836259365081787},{"word":"account","start":99.165,"end":99.485,"confidence":0.99902344,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.1997278779745102},{"word":"now","start":99.485,"end":99.645004,"confidence":0.77978516,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.1619749665260315},{"word":"and","start":99.645004,"end":99.885,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0989505797624588},{"word":"while","start":99.885,"end":100.125,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.08672762662172318},{"word":"i'm","start":100.125,"end":100.365005,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10661083459854126},{"word":"doing","start":100.365005,"end":100.605,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.11373912543058395},{"word":"that","start":100.605,"end":101.105,"confidence":0.98095703,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.10178022086620332},{"word":"with","start":101.63,"end":102.06999,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08337730169296265},{"word":"the","start":102.06999,"end":102.509995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09836866706609726},{"word":"separation","start":102.509995,"end":103.009995,"confidence":0.9914551,"punctuated_word":"separation,","sentiment":"neutral","sentiment_score":0.06507264077663422},{"word":"has","start":103.229996,"end":103.47,"confidence":0.99316406,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.07549082487821579},{"word":"that","start":103.47,"end":103.869995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12287423014640808},{"word":"finalized","start":103.869995,"end":104.369995,"confidence":0.9892578,"punctuated_word":"finalized","sentiment":"neutral","sentiment_score":0.10573922097682951},{"word":"in","start":104.509995,"end":104.59,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08322888612747192},{"word":"terms","start":104.59,"end":104.829994,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.1355775147676468},{"word":"of","start":104.829994,"end":104.99,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10820525884628296},{"word":"a","start":104.99,"end":105.149994,"confidence":0.9633789,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0941670387983322},{"word":"property","start":105.149994,"end":105.47,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.0845896452665329},{"word":"settlement","start":105.47,"end":105.97,"confidence":0.99658203,"punctuated_word":"settlement?","sentiment":"neutral","sentiment_score":0.05704795569181442},{"word":"yeah","start":112.11,"end":112.61,"confidence":0.7854004,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.002560354769229889},{"word":"settling","start":123.085,"end":123.564995,"confidence":0.9550781,"punctuated_word":"Settling","sentiment":"neutral","sentiment_score":-0.0459078848361969},{"word":"of","start":123.564995,"end":123.725,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04357011988759041},{"word":"style","start":123.725,"end":124.225,"confidence":0.92944336,"punctuated_word":"style.","sentiment":"neutral","sentiment_score":-0.06977681070566177},{"word":"yeah","start":138.39499,"end":138.89499,"confidence":0.859375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.061910927295684814},{"word":"so","start":139.675,"end":140.175,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04905501753091812},{"word":"that's","start":140.955,"end":141.275,"confidence":0.95581055,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.02744654566049576},{"word":"some","start":141.275,"end":141.435,"confidence":0.97509766,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.04602159932255745},{"word":"of","start":141.435,"end":141.515,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.032921645790338516},{"word":"the","start":141.515,"end":142.015,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03942696005105972},{"word":"the","start":142.075,"end":142.235,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.023960363119840625},{"word":"considerations","start":142.235,"end":142.735,"confidence":0.99902344,"punctuated_word":"considerations","sentiment":"neutral","sentiment_score":-0.02745233103632927},{"word":"that","start":142.955,"end":143.11499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.016128696501255035},{"word":"i","start":143.11499,"end":143.275,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.041741423308849335},{"word":"have","start":143.275,"end":143.435,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02188596129417419},{"word":"to","start":143.435,"end":143.515,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03140278160572052},{"word":"do","start":143.515,"end":143.75499,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.024612002074718475},{"word":"as","start":143.75499,"end":143.915,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.02167455852031708},{"word":"well","start":143.915,"end":144.155,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.007338136434555054},{"word":"because","start":144.155,"end":144.655,"confidence":0.52734375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.03163342922925949},{"word":"once","start":144.875,"end":145.19499,"confidence":0.9980469,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.02206261456012726},{"word":"you","start":145.19499,"end":145.435,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0053298622369766235},{"word":"go","start":145.435,"end":145.75499,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.020369552075862885},{"word":"through","start":145.75499,"end":146.155,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.010927259922027588},{"word":"and","start":146.155,"end":146.315,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.020763523876667023},{"word":"that's","start":146.315,"end":146.715,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04142075777053833},{"word":"finalized","start":146.715,"end":147.215,"confidence":0.9970703,"punctuated_word":"finalized","sentiment":"neutral","sentiment_score":0.057612016797065735},{"word":"is","start":147.75499,"end":148.075,"confidence":0.67626953,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05902097374200821},{"word":"i","start":148.075,"end":148.155,"confidence":0.96875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008729629218578339},{"word":"need","start":148.155,"end":148.39499,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.01227259635925293},{"word":"to","start":148.39499,"end":148.47499,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.003796182572841644},{"word":"take","start":148.47499,"end":148.715,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.006659418344497681},{"word":"a","start":148.715,"end":148.795,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01867685467004776},{"word":"bit","start":148.795,"end":149.03499,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.01839451491832733},{"word":"of","start":149.03499,"end":149.19499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05480971932411194},{"word":"stock","start":149.19499,"end":149.515,"confidence":1.0,"punctuated_word":"stock","sentiment":"neutral","sentiment_score":-0.0384705513715744},{"word":"in","start":149.515,"end":150.015,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.014154225587844849},{"word":"where","start":150.155,"end":150.39499,"confidence":0.98095703,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.012236863374710085},{"word":"that","start":150.39499,"end":150.635,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.004753053188323975},{"word":"lands","start":150.635,"end":151.135,"confidence":0.92089844,"punctuated_word":"lands","sentiment":"neutral","sentiment_score":-0.007403092458844185},{"word":"and","start":151.89,"end":152.05,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.003620639443397522},{"word":"see","start":152.05,"end":152.55,"confidence":0.99609375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.02064332365989685},{"word":"how","start":152.77,"end":153.01001,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.028691522777080536},{"word":"much","start":153.01001,"end":153.25,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.03412356600165367},{"word":"we","start":153.25,"end":153.41,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.020079560577869415},{"word":"need","start":153.41,"end":153.57,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.038549378514289856},{"word":"to","start":153.57,"end":153.65001,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04051690921187401},{"word":"do","start":153.65001,"end":153.89,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.039222072809934616},{"word":"in","start":153.89,"end":153.97,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.024707168340682983},{"word":"terms","start":153.97,"end":154.21,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.0029205232858657837},{"word":"of","start":154.21,"end":154.37001,"confidence":0.97753906,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.02377079240977764},{"word":"like","start":154.37001,"end":154.61,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03305055946111679},{"word":"catching","start":154.61,"end":154.93001,"confidence":1.0,"punctuated_word":"catching","sentiment":"neutral","sentiment_score":-0.016717851161956787},{"word":"up","start":154.93001,"end":155.09,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.006516829133033752},{"word":"the","start":155.09,"end":155.25,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0008121877908706665},{"word":"super","start":155.25,"end":155.75,"confidence":0.9785156,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.03740796446800232},{"word":"how","start":155.81,"end":156.05,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.012738842517137527},{"word":"that's","start":156.05,"end":156.29001,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.025251585990190503},{"word":"actually","start":156.29001,"end":156.69,"confidence":1.0,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.029126372188329697},{"word":"projecting","start":156.69,"end":157.09,"confidence":0.8874512,"punctuated_word":"projecting,","sentiment":"neutral","sentiment_score":0.01183945219963789},{"word":"and","start":157.09,"end":157.33,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0006298311054706573},{"word":"things","start":157.33,"end":157.57,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.005260899662971497},{"word":"like","start":157.57,"end":157.81,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.02321974560618401},{"word":"that","start":157.81,"end":158.21,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.005223022773861885},{"word":"when","start":158.21,"end":158.45,"confidence":0.9980469,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.015589497983455658},{"word":"i've","start":158.45,"end":158.61,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.025958135724067688},{"word":"got","start":158.61,"end":158.77,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.032565467059612274},{"word":"some","start":158.77,"end":159.01001,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.028383120894432068},{"word":"final","start":159.01001,"end":159.41,"confidence":1.0,"punctuated_word":"final","sentiment":"neutral","sentiment_score":0.04701535403728485},{"word":"figures","start":159.41,"end":159.65001,"confidence":0.97314453,"punctuated_word":"figures,","sentiment":"neutral","sentiment_score":0.05080890655517578},{"word":"that'll","start":159.65001,"end":160.05,"confidence":0.99560547,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.07641985267400742},{"word":"help","start":160.05,"end":160.29001,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.12951618432998657},{"word":"a","start":160.29001,"end":160.37001,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0943972021341324},{"word":"little","start":160.37001,"end":160.61,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.06062020733952522},{"word":"bit","start":160.61,"end":160.85,"confidence":0.82836914,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.0683964267373085},{"word":"but","start":160.85,"end":161.01001,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.032394200563430786},{"word":"i","start":161.01001,"end":161.17,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02820555865764618},{"word":"will","start":161.17,"end":161.33,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.029124997556209564},{"word":"check","start":161.33,"end":161.57,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.04767145216464996},{"word":"the","start":161.57,"end":161.73001,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03851282596588135},{"word":"super","start":161.73001,"end":161.97,"confidence":0.99609375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.11001941561698914},{"word":"with","start":161.97,"end":162.13,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08346307277679443},{"word":"you","start":162.13,"end":162.29001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12145055085420609},{"word":"today","start":162.29001,"end":162.53,"confidence":0.81225586,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.06879616528749466},{"word":"but","start":162.53,"end":162.69,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.014726120978593826},{"word":"just","start":162.69,"end":162.85,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02846784889698029},{"word":"bear","start":162.85,"end":163.09,"confidence":1.0,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":-0.03158127889037132},{"word":"in","start":163.09,"end":163.17,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.054013174027204514},{"word":"mind","start":163.17,"end":163.41,"confidence":0.93237305,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":-0.04599235579371452},{"word":"there'll","start":163.41,"end":163.65001,"confidence":0.98706055,"punctuated_word":"there'll","sentiment":"neutral","sentiment_score":-0.08200192451477051},{"word":"be","start":163.65001,"end":163.73001,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08920186012983322},{"word":"a","start":163.73001,"end":163.81,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1139948070049286},{"word":"couple","start":163.81,"end":164.13,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.12318170815706252},{"word":"things","start":164.13,"end":164.37001,"confidence":0.5078125,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.11120589077472688},{"word":"that'll","start":164.37001,"end":164.61,"confidence":0.9838867,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":-0.11534794420003892},{"word":"be","start":164.61,"end":164.77,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13079044222831726},{"word":"on","start":164.77,"end":165.01001,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.12962929904460907},{"word":"hold","start":165.01001,"end":165.495,"confidence":0.9995117,"punctuated_word":"hold.","sentiment":"neutral","sentiment_score":-0.08611702919006348},{"word":"so","start":166.775,"end":167.095,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0000286102294921875},{"word":"just","start":167.095,"end":167.33499,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0012048743665218351},{"word":"quickly","start":167.33499,"end":167.575,"confidence":0.99902344,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.0032170265913009644},{"word":"with","start":167.575,"end":167.815,"confidence":0.5703125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.003272317349910736},{"word":"the","start":167.815,"end":167.97499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.000158652663230896},{"word":"investment","start":167.97499,"end":168.375,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.006796140223741531},{"word":"property","start":168.375,"end":168.875,"confidence":0.9316406,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":-0.01053350418806076},{"word":"i","start":169.25499,"end":169.575,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.013493556529283524},{"word":"last","start":169.575,"end":169.815,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.01478457637131214},{"word":"had","start":169.815,"end":170.055,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.009522002190351486},{"word":"it","start":170.055,"end":170.215,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.023020226508378983},{"word":"listed","start":170.215,"end":170.455,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":-0.005761049687862396},{"word":"when","start":170.455,"end":170.61499,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0104263573884964},{"word":"you","start":170.61499,"end":170.775,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00669257715344429},{"word":"spoke","start":170.775,"end":171.015,"confidence":1.0,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":-0.004883093759417534},{"word":"to","start":171.015,"end":171.25499,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00674467533826828},{"word":"kyle","start":171.25499,"end":171.75499,"confidence":0.99902344,"punctuated_word":"Kyle","sentiment":"neutral","sentiment_score":-0.01575961336493492},{"word":"at","start":171.815,"end":172.135,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.022819701582193375},{"word":"six","start":172.135,"end":172.375,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.0237734355032444},{"word":"hundred","start":172.375,"end":172.61499,"confidence":0.99902344,"punctuated_word":"hundred","sentiment":"neutral","sentiment_score":-0.013482511043548584},{"word":"and","start":172.61499,"end":172.775,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02552652359008789},{"word":"fifty","start":172.775,"end":173.095,"confidence":1.0,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":-0.011703144758939745},{"word":"thousand","start":173.095,"end":173.495,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.015741270035505295},{"word":"value","start":173.495,"end":173.89499,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.037623681128025055},{"word":"owing","start":173.89499,"end":174.295,"confidence":0.9560547,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":-0.05151083692908287},{"word":"$3.80","start":174.295,"end":174.855,"confidence":0.9980469,"punctuated_word":"$3.80.","sentiment":"neutral","sentiment_score":-0.04474245756864548},{"word":"do","start":174.855,"end":174.935,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.02307981997728348},{"word":"you","start":174.935,"end":175.015,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011354316025972366},{"word":"know","start":175.015,"end":175.25499,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.017238600179553032},{"word":"what","start":175.25499,"end":175.415,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01734863594174385},{"word":"the","start":175.415,"end":175.575,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02503187581896782},{"word":"new","start":175.575,"end":175.815,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.02652645856142044},{"word":"figures","start":175.815,"end":176.135,"confidence":1.0,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":-0.02035560831427574},{"word":"are","start":176.135,"end":176.635,"confidence":0.99658203,"punctuated_word":"are?","sentiment":"neutral","sentiment_score":-0.01465676911175251},{"word":"yep","start":187.59,"end":188.09,"confidence":0.9909668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08992182463407516},{"word":"$5.30","start":188.39,"end":189.20999,"confidence":0.914917,"punctuated_word":"$5.30.","sentiment":"neutral","sentiment_score":-0.1178942173719406},{"word":"yep","start":199.44499,"end":199.94499,"confidence":0.9604492,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.002195116598159075},{"word":"yeah","start":205.37999,"end":205.87999,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.023836541920900345},{"word":"yep","start":223.635,"end":224.135,"confidence":0.734375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.017290860414505005},{"word":"yeah","start":224.275,"end":224.67499,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022336594760417935},{"word":"okay","start":224.67499,"end":225.155,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02362210676074028},{"word":"so","start":225.155,"end":225.31499,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.018226010724902153},{"word":"you","start":225.31499,"end":225.39499,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013463832437992096},{"word":"think","start":225.39499,"end":225.635,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.011392902582883837},{"word":"it","start":225.635,"end":225.715,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.011547459289431572},{"word":"might","start":225.715,"end":225.875,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.0009653642773628236},{"word":"actually","start":225.875,"end":226.19499,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.007171645760536194},{"word":"come","start":226.19499,"end":226.275,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.015613187104463576},{"word":"into","start":226.275,"end":226.67499,"confidence":0.99121094,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.009765462949872015},{"word":"your","start":226.67499,"end":226.915,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.009120838716626167},{"word":"account","start":226.915,"end":227.415,"confidence":0.9951172,"punctuated_word":"account?","sentiment":"neutral","sentiment_score":0.01675383932888508},{"word":"yep","start":237.17,"end":237.57,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03217163681983948},{"word":"no","start":237.57,"end":237.73001,"confidence":1.0,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.049180738627910614},{"word":"worries","start":237.73001,"end":238.13,"confidence":1.0,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.03363237902522087},{"word":"so","start":238.13,"end":238.61,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04091167822480202},{"word":"as","start":238.61,"end":238.85,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.041169002652168274},{"word":"far","start":238.85,"end":239.01001,"confidence":1.0,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.02683761715888977},{"word":"as","start":239.01001,"end":239.17,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.023964129388332367},{"word":"other","start":239.17,"end":239.49,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.012562166899442673},{"word":"assets","start":239.49,"end":239.81,"confidence":1.0,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.0015108585357666016},{"word":"go","start":239.81,"end":239.97,"confidence":0.9086914,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.01760995388031006},{"word":"so","start":239.97,"end":240.13,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.016198191791772842},{"word":"the","start":240.13,"end":240.29001,"confidence":0.90722656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016972914338111877},{"word":"property","start":240.29001,"end":240.61,"confidence":0.99902344,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.018431659787893295},{"word":"is","start":240.61,"end":240.69,"confidence":0.7368164,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01906193420290947},{"word":"gonna","start":240.69,"end":240.93001,"confidence":0.92089844,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.02903495915234089},{"word":"clear","start":240.93001,"end":241.25,"confidence":0.9970703,"punctuated_word":"clear","sentiment":"neutral","sentiment_score":0.020292166620492935},{"word":"maybe","start":241.25,"end":241.49,"confidence":0.74560547,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.01447247713804245},{"word":"$40,000","start":241.49,"end":242.37001,"confidence":0.9995117,"punctuated_word":"$40,000","sentiment":"neutral","sentiment_score":0.029843956232070923},{"word":"each","start":242.37001,"end":242.805,"confidence":0.9770508,"punctuated_word":"each.","sentiment":"neutral","sentiment_score":0.022093230858445168},{"word":"we","start":242.965,"end":243.20499,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.05948691442608833},{"word":"did","start":243.20499,"end":243.525,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04111234471201897},{"word":"have","start":243.525,"end":244.025,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.023091068491339684},{"word":"two","start":244.325,"end":244.56499,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.02021724544465542},{"word":"vehicles","start":244.56499,"end":245.045,"confidence":1.0,"punctuated_word":"vehicles","sentiment":"neutral","sentiment_score":0.015840493142604828},{"word":"listed","start":245.045,"end":245.44499,"confidence":0.9904785,"punctuated_word":"listed.","sentiment":"neutral","sentiment_score":0.02424374409019947},{"word":"one","start":245.44499,"end":245.84499,"confidence":1.0,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.03191198408603668},{"word":"was","start":245.84499,"end":246.245,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.01659470982849598},{"word":"for","start":246.245,"end":246.48499,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0031897500157356262},{"word":"the","start":246.48499,"end":246.64499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015024088323116302},{"word":"partner","start":246.64499,"end":247.045,"confidence":0.85913086,"punctuated_word":"partner.","sentiment":"neutral","sentiment_score":0.012882565148174764},{"word":"one","start":247.045,"end":247.20499,"confidence":1.0,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.007898062467575073},{"word":"was","start":247.20499,"end":247.44499,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.0010421685874462128},{"word":"a","start":247.44499,"end":247.525,"confidence":0.9277344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.019732484593987465},{"word":"u","start":247.525,"end":247.685,"confidence":0.32006836,"punctuated_word":"u","sentiment":"neutral","sentiment_score":0.002665223553776741},{"word":"for","start":247.765,"end":247.92499,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02422576025128365},{"word":"yourself","start":247.92499,"end":248.245,"confidence":0.9980469,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":-0.008044574409723282},{"word":"that","start":248.245,"end":248.405,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.019793551415205},{"word":"you","start":248.405,"end":248.56499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025163114070892337},{"word":"still","start":248.56499,"end":248.805,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.03793413192033768},{"word":"had","start":248.805,"end":248.885,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.04379666969180107},{"word":"a","start":248.885,"end":248.965,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.026129100471735},{"word":"bit","start":248.965,"end":249.125,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04352731257677078},{"word":"of","start":249.125,"end":249.20499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.044552940875291824},{"word":"debt","start":249.20499,"end":249.44499,"confidence":0.9760742,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.031853072345256805},{"word":"on","start":249.44499,"end":249.94499,"confidence":0.81884766,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.022017082199454308},{"word":"and","start":251.28499,"end":251.525,"confidence":0.7895508,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.014819085597991943},{"word":"then","start":251.525,"end":251.765,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.015641003847122192},{"word":"we","start":251.765,"end":251.92499,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.027121616527438164},{"word":"had","start":251.92499,"end":252.08499,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.011468257755041122},{"word":"some","start":252.08499,"end":252.325,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.008118147030472755},{"word":"shares","start":252.325,"end":252.56499,"confidence":0.9980469,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.00443449430167675},{"word":"and","start":252.56499,"end":252.805,"confidence":0.52490234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.002030845731496811},{"word":"tools","start":252.805,"end":253.125,"confidence":0.9951172,"punctuated_word":"tools","sentiment":"neutral","sentiment_score":0.010823741555213928},{"word":"was","start":253.125,"end":253.36499,"confidence":0.7553711,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.008156944066286087},{"word":"the","start":253.36499,"end":253.525,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0020303837954998016},{"word":"main","start":253.525,"end":253.765,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.011408943682909012},{"word":"assets","start":253.765,"end":254.265,"confidence":0.9941406,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.013903887011110784},{"word":"yep","start":262.34,"end":262.84,"confidence":0.97631836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.017322637140750885},{"word":"perfect","start":266.74002,"end":267.24002,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4151358306407929},{"word":"alrighty","start":267.595,"end":267.915,"confidence":0.9983724,"punctuated_word":"Alrighty.","sentiment":"positive","sentiment_score":0.3893803358078003},{"word":"so","start":267.915,"end":268.075,"confidence":0.9863281,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4981604218482971},{"word":"that's","start":268.075,"end":268.395,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5748485326766968},{"word":"amazing","start":268.395,"end":268.875,"confidence":1.0,"punctuated_word":"amazing.","sentiment":"positive","sentiment_score":0.5670285224914551},{"word":"i'm","start":268.875,"end":269.195,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.3103196322917938},{"word":"just","start":269.195,"end":269.435,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26471570134162903},{"word":"having","start":269.435,"end":269.555,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2608489990234375},{"word":"a","start":269.555,"end":269.675,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19845715165138245},{"word":"look","start":269.675,"end":269.915,"confidence":0.99853516,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.15774360299110413},{"word":"we've","start":269.915,"end":270.155,"confidence":1.0,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.1502593159675598},{"word":"updated","start":270.155,"end":270.555,"confidence":1.0,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.1378728747367859},{"word":"your","start":270.555,"end":270.79498,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13072265684604645},{"word":"address","start":270.79498,"end":271.29498,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.1317727267742157},{"word":"already","start":271.355,"end":271.855,"confidence":0.85131836,"punctuated_word":"already.","sentiment":"neutral","sentiment_score":0.18063482642173767},{"word":"so","start":272.235,"end":272.395,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.143949493765831},{"word":"let","start":272.395,"end":272.555,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.15674149990081787},{"word":"me","start":272.555,"end":272.715,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.15348243713378906},{"word":"just","start":272.715,"end":273.215,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1424153298139572},{"word":"triple","start":273.355,"end":273.835,"confidence":0.9970703,"punctuated_word":"triple","sentiment":"neutral","sentiment_score":0.10945980995893478},{"word":"check","start":273.835,"end":274.155,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.11907381564378738},{"word":"that","start":274.155,"end":274.315,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12062039971351624},{"word":"i've","start":274.315,"end":274.475,"confidence":0.9951172,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1158900111913681},{"word":"got","start":274.475,"end":274.715,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1266351193189621},{"word":"all","start":274.715,"end":274.955,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0998329371213913},{"word":"of","start":274.955,"end":275.035,"confidence":0.7451172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13137012720108032},{"word":"that","start":275.035,"end":275.535,"confidence":0.9951172,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07984700798988342},{"word":"1","start":276.635,"end":276.875,"confidence":0.9370117,"punctuated_word":"1","sentiment":"neutral","sentiment_score":0.013305682688951492},{"word":"slash","start":276.875,"end":277.195,"confidence":0.9902344,"punctuated_word":"Slash","sentiment":"neutral","sentiment_score":0.017055165022611618},{"word":"17","start":277.195,"end":277.695,"confidence":0.9980469,"punctuated_word":"17","sentiment":"neutral","sentiment_score":0.02069409005343914},{"word":"surrey","start":277.755,"end":278.155,"confidence":0.99121094,"punctuated_word":"Surrey","sentiment":"neutral","sentiment_score":0.02492060698568821},{"word":"street","start":278.155,"end":278.395,"confidence":0.9970703,"punctuated_word":"Street","sentiment":"neutral","sentiment_score":0.0287568774074316},{"word":"in","start":278.395,"end":278.555,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02068857848644257},{"word":"box","start":278.555,"end":278.875,"confidence":0.97802734,"punctuated_word":"Box","sentiment":"neutral","sentiment_score":0.041873473674058914},{"word":"hill","start":278.875,"end":279.375,"confidence":0.9626465,"punctuated_word":"Hill.","sentiment":"neutral","sentiment_score":0.03153424710035324},{"word":"yep","start":282.17,"end":282.49002,"confidence":0.8376465,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01275460422039032},{"word":"1","start":282.49002,"end":282.65002,"confidence":0.99316406,"punctuated_word":"1","sentiment":"neutral","sentiment_score":0.003954463638365269},{"word":"slash","start":282.65002,"end":282.97,"confidence":0.9980469,"punctuated_word":"Slash","sentiment":"neutral","sentiment_score":0.003527543973177671},{"word":"17","start":282.97,"end":283.45,"confidence":0.92993164,"punctuated_word":"17.","sentiment":"neutral","sentiment_score":0.00951990019530058},{"word":"sorry","start":283.45,"end":283.95,"confidence":0.9880371,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.003979237750172615},{"word":"and","start":284.25,"end":284.49002,"confidence":0.7631836,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.004415454342961311},{"word":"that's","start":284.49002,"end":284.73,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.008224141784012318},{"word":"in","start":284.73,"end":284.97,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0083277253434062},{"word":"3128","start":284.97,"end":286.35,"confidence":0.99816895,"punctuated_word":"3128.","sentiment":"neutral","sentiment_score":0.020397838205099102},{"word":"the","start":289.05002,"end":289.37003,"confidence":0.9667969,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04904559999704361},{"word":"email","start":289.37003,"end":289.77002,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.0489204004406929},{"word":"address","start":289.77002,"end":290.09003,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.05105581134557724},{"word":"that","start":290.09003,"end":290.25,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06983666121959686},{"word":"we've","start":290.25,"end":290.57,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.061205267906188965},{"word":"got","start":290.57,"end":290.81,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.059578340500593185},{"word":"on","start":290.81,"end":291.13,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04523424059152603},{"word":"file","start":291.13,"end":291.53,"confidence":0.814209,"punctuated_word":"file,","sentiment":"neutral","sentiment_score":0.07687035202980042},{"word":"let","start":291.53,"end":291.69,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.103377565741539},{"word":"me","start":291.69,"end":291.85,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.09704063087701796},{"word":"just","start":291.85,"end":292.01,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0902317315340042},{"word":"quickly","start":292.01,"end":292.41,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.0851379781961441},{"word":"double","start":292.41,"end":292.81,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.0773015022277832},{"word":"check","start":292.81,"end":293.05002,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.06518027931451797},{"word":"that","start":293.05002,"end":293.21002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05529511719942093},{"word":"one","start":293.21002,"end":293.71002,"confidence":0.9724121,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.051510103046894073},{"word":"we've","start":293.965,"end":294.285,"confidence":1.0,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.06901068985462189},{"word":"got","start":294.285,"end":294.785,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06680796295404434},{"word":"msmithgardens@optusnet","start":295.085,"end":296.865,"confidence":0.8661133,"punctuated_word":"mSmithGardens@OptusNet.","sentiment":"neutral","sentiment_score":0.061092521995306015},{"word":"yep","start":298.845,"end":299.32498,"confidence":0.98339844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10035917162895204},{"word":"alright","start":299.32498,"end":299.82498,"confidence":0.9946289,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.10810153931379318},{"word":"gardens","start":300.925,"end":301.425,"confidence":0.9980469,"punctuated_word":"Gardens","sentiment":"neutral","sentiment_score":0.07695955038070679},{"word":"optusnet","start":301.965,"end":302.465,"confidence":0.9725342,"punctuated_word":"OptusNet.","sentiment":"neutral","sentiment_score":0.09751975536346436},{"word":"alrighty","start":303.965,"end":304.445,"confidence":0.9983724,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.13292907178401947},{"word":"and","start":304.445,"end":304.685,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0936160683631897},{"word":"in","start":304.685,"end":304.845,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06497524678707123},{"word":"terms","start":304.845,"end":305.32498,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.04798018932342529},{"word":"of","start":305.32498,"end":305.725,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08892998099327087},{"word":"last","start":305.725,"end":305.965,"confidence":0.8183594,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.05825282633304596},{"word":"two","start":305.965,"end":306.205,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.06351429224014282},{"word":"sort","start":306.205,"end":306.365,"confidence":0.875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06538908183574677},{"word":"of","start":306.365,"end":306.845,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07639020681381226},{"word":"bit","start":306.845,"end":307.085,"confidence":0.8105469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08596906810998917},{"word":"more","start":307.085,"end":307.245,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06641973555088043},{"word":"personal","start":307.245,"end":307.725,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.0941525772213936},{"word":"update","start":307.725,"end":308.04498,"confidence":0.9980469,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.10205450654029846},{"word":"questions","start":308.04498,"end":308.525,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.10332265496253969},{"word":"for","start":308.525,"end":308.685,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0939156413078308},{"word":"you","start":308.685,"end":309.06,"confidence":0.89624023,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.09141598641872406},{"word":"just","start":309.13998,"end":309.3,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07211557775735855},{"word":"in","start":309.3,"end":309.46,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0596357136964798},{"word":"terms","start":309.46,"end":309.7,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.05336290970444679},{"word":"of","start":309.7,"end":310.1,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03181026875972748},{"word":"occupation","start":310.1,"end":310.6,"confidence":0.84472656,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":0.053427308797836304},{"word":"and","start":310.74,"end":310.82,"confidence":0.7207031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04613792896270752},{"word":"income","start":310.82,"end":311.32,"confidence":0.9741211,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.03915240615606308},{"word":"landscape","start":311.62,"end":312.12,"confidence":0.7998047,"punctuated_word":"landscape","sentiment":"neutral","sentiment_score":0.05013025924563408},{"word":"gardener","start":312.26,"end":312.66,"confidence":0.82592773,"punctuated_word":"gardener","sentiment":"neutral","sentiment_score":0.05847081542015076},{"word":"on","start":312.66,"end":312.82,"confidence":0.85058594,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03600689396262169},{"word":"about","start":312.82,"end":313.06,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04636050760746002},{"word":"a","start":313.06,"end":313.13998,"confidence":0.9760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05027951300144195},{"word":"100,000","start":313.13998,"end":313.88,"confidence":0.96069336,"punctuated_word":"100,000.","sentiment":"neutral","sentiment_score":0.05256589874625206},{"word":"yep","start":317.46,"end":317.96,"confidence":0.9472656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2708614766597748},{"word":"and","start":318.26,"end":318.41998,"confidence":0.8647461,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1693902462720871},{"word":"we","start":318.41998,"end":318.66,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.197693333029747},{"word":"did","start":318.66,"end":318.9,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.21235108375549316},{"word":"have","start":318.9,"end":319.4,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09601935744285583},{"word":"two","start":319.86,"end":320.34,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.08166679739952087},{"word":"children","start":320.34,"end":320.74,"confidence":1.0,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.10854455828666688},{"word":"listed","start":320.74,"end":321.06,"confidence":0.97680664,"punctuated_word":"listed.","sentiment":"neutral","sentiment_score":0.13725388050079346},{"word":"one","start":321.06,"end":321.3,"confidence":1.0,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.07753504067659378},{"word":"was","start":321.3,"end":321.46,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07715374231338501},{"word":"17","start":321.46,"end":321.86,"confidence":1.0,"punctuated_word":"17","sentiment":"neutral","sentiment_score":0.08459910750389099},{"word":"and","start":321.86,"end":322.1,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06031488254666328},{"word":"13","start":322.1,"end":322.5,"confidence":1.0,"punctuated_word":"13","sentiment":"neutral","sentiment_score":0.09633505344390868},{"word":"at","start":322.5,"end":322.815,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08422064781188965},{"word":"the","start":322.895,"end":322.975,"confidence":0.84228516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10320930927991868},{"word":"time","start":322.975,"end":323.215,"confidence":0.9921875,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.07388948649168015},{"word":"which","start":323.215,"end":323.295,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0671197921037674},{"word":"was","start":323.295,"end":323.535,"confidence":0.9770508,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04608025401830673},{"word":"about","start":323.535,"end":323.775,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.054412856698036194},{"word":"a","start":323.775,"end":323.935,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08835504949092865},{"word":"year","start":323.935,"end":324.095,"confidence":0.99609375,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.07393534481525421},{"word":"ago","start":324.095,"end":324.255,"confidence":0.57470703,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":0.06161857023835182},{"word":"nine","start":325.615,"end":325.775,"confidence":0.9819336,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.06905463337898254},{"word":"months","start":325.775,"end":326.015,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.08240348845720291},{"word":"ago","start":326.015,"end":326.515,"confidence":0.95751953,"punctuated_word":"ago.","sentiment":"neutral","sentiment_score":0.06810235977172852},{"word":"eighteen","start":329.295,"end":329.775,"confidence":0.98950195,"punctuated_word":"Eighteen","sentiment":"neutral","sentiment_score":0.12389849871397018},{"word":"and","start":329.775,"end":330.175,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10789934545755386},{"word":"fifteen","start":330.175,"end":330.675,"confidence":0.9975586,"punctuated_word":"fifteen.","sentiment":"neutral","sentiment_score":0.13584858179092407},{"word":"one","start":331.775,"end":332.015,"confidence":0.94384766,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.16906297206878662},{"word":"thing","start":332.015,"end":332.175,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.19346776604652405},{"word":"i","start":332.175,"end":332.255,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13717781007289886},{"word":"wanted","start":332.255,"end":332.375,"confidence":0.7675781,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1645856499671936},{"word":"to","start":332.375,"end":332.495,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22108785808086395},{"word":"do","start":332.495,"end":332.73502,"confidence":0.88061523,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.2210475206375122},{"word":"i'm","start":332.73502,"end":332.815,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.21985077857971191},{"word":"gonna","start":332.815,"end":333.055,"confidence":0.9658203,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2350233793258667},{"word":"jump","start":333.055,"end":333.295,"confidence":0.99902344,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.2977038025856018},{"word":"into","start":333.295,"end":333.535,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.24970495700836184},{"word":"the","start":333.535,"end":333.695,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2635757327079773},{"word":"super","start":333.695,"end":333.935,"confidence":0.96777344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.32337456941604614},{"word":"now","start":333.935,"end":334.435,"confidence":0.7937012,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.24343565106391907},{"word":"but","start":334.655,"end":334.895,"confidence":0.9941406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16063745319843292},{"word":"just","start":334.895,"end":335.135,"confidence":0.9370117,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10580715537071228},{"word":"in","start":335.135,"end":335.295,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12880392372608185},{"word":"terms","start":335.295,"end":335.775,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.12336409091949464},{"word":"of","start":335.775,"end":336.015,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1390713006258011},{"word":"i","start":336.175,"end":336.255,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1055593490600586},{"word":"know","start":336.255,"end":336.495,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1362772434949875},{"word":"it's","start":336.495,"end":336.73502,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.16102680563926697},{"word":"early","start":336.73502,"end":337.23502,"confidence":0.9406738,"punctuated_word":"early,","sentiment":"neutral","sentiment_score":0.16847878694534302},{"word":"but","start":337.34,"end":337.66,"confidence":0.9921875,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1891159415245056},{"word":"goals","start":337.66,"end":337.90002,"confidence":0.9790039,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.1864100992679596},{"word":"wise","start":337.90002,"end":338.40002,"confidence":0.9304199,"punctuated_word":"wise.","sentiment":"neutral","sentiment_score":0.1892835348844528},{"word":"so","start":338.46002,"end":338.7,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1636768877506256},{"word":"once","start":338.7,"end":339.02002,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.1259564459323883},{"word":"everything","start":339.02002,"end":339.5,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.18508270382881165},{"word":"kind","start":339.5,"end":339.74002,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10663747787475586},{"word":"of","start":339.74002,"end":339.82,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1816476583480835},{"word":"settles","start":339.82,"end":340.32,"confidence":0.99560547,"punctuated_word":"settles,","sentiment":"neutral","sentiment_score":0.2060585469007492},{"word":"do","start":340.54,"end":340.7,"confidence":0.93847656,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0858774334192276},{"word":"you","start":340.7,"end":340.78,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10892683267593384},{"word":"already","start":340.78,"end":341.1,"confidence":0.9970703,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.13013678789138794},{"word":"have","start":341.1,"end":341.26,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0953630357980728},{"word":"a","start":341.26,"end":341.34,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12857209146022797},{"word":"bit","start":341.34,"end":341.42,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14106622338294983},{"word":"of","start":341.42,"end":341.58002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14588117599487305},{"word":"an","start":341.58002,"end":341.74002,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.16103462874889374},{"word":"idea","start":341.74002,"end":342.06,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.15132209658622742},{"word":"of","start":342.06,"end":342.22,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1484486609697342},{"word":"what","start":342.22,"end":342.54,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17202596366405487},{"word":"the","start":342.54,"end":342.7,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13972854614257812},{"word":"kind","start":342.7,"end":343.02002,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11024682223796844},{"word":"of","start":343.02002,"end":343.42,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15443314611911774},{"word":"next","start":343.42,"end":343.66,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.12926320731639862},{"word":"steps","start":343.66,"end":343.98,"confidence":1.0,"punctuated_word":"steps","sentiment":"neutral","sentiment_score":0.1900237053632736},{"word":"are","start":343.98,"end":344.14,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.15648508071899414},{"word":"for","start":344.14,"end":344.30002,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.144939586520195},{"word":"you","start":344.30002,"end":344.46002,"confidence":0.9440918,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.12793132662773132},{"word":"or","start":344.46002,"end":344.62,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09265308082103728},{"word":"do","start":344.62,"end":344.7,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05547762289643288},{"word":"you","start":344.7,"end":344.78,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09853363037109376},{"word":"wanna","start":344.78,"end":345.1,"confidence":0.8613281,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.12069039791822432},{"word":"kind","start":345.1,"end":345.34,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.09032705426216124},{"word":"of","start":345.34,"end":345.5,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10064686834812164},{"word":"revisit","start":345.5,"end":345.90002,"confidence":1.0,"punctuated_word":"revisit","sentiment":"neutral","sentiment_score":0.09105876088142396},{"word":"that","start":345.90002,"end":346.14,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08727151900529861},{"word":"later","start":346.14,"end":346.64,"confidence":0.99658203,"punctuated_word":"later?","sentiment":"neutral","sentiment_score":0.10722588002681732},{"word":"yeah","start":357.755,"end":358.255,"confidence":0.9812012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10797198116779327},{"word":"yeah","start":370.33002,"end":370.83002,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11710403859615326},{"word":"yeah","start":377.38498,"end":377.54498,"confidence":0.8334961,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.007067408412694931},{"word":"anything","start":377.54498,"end":377.945,"confidence":0.99121094,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.007462695240974426},{"word":"property","start":377.945,"end":378.345,"confidence":0.99316406,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.03446599096059799},{"word":"wise","start":378.345,"end":378.66498,"confidence":0.99316406,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":-0.002828076481819153},{"word":"that","start":378.66498,"end":378.745,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.038886625319719315},{"word":"you","start":378.745,"end":378.905,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02484197169542313},{"word":"wanna","start":378.905,"end":379.145,"confidence":0.6748047,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.04926072061061859},{"word":"kind","start":379.145,"end":379.38498,"confidence":0.98535156,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.024037357419729233},{"word":"of","start":379.38498,"end":379.465,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05902931094169617},{"word":"get","start":379.465,"end":379.705,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05442049354314804},{"word":"another","start":379.705,"end":379.945,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.05153082311153412},{"word":"one","start":379.945,"end":380.345,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.03161928057670593},{"word":"with","start":380.345,"end":380.585,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02095123380422592},{"word":"all","start":380.585,"end":380.745,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.029918372631073},{"word":"the","start":380.745,"end":380.905,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014784686267375946},{"word":"cash","start":380.905,"end":381.145,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.06021967530250549},{"word":"and","start":381.145,"end":381.305,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02493056282401085},{"word":"assets","start":381.305,"end":381.805,"confidence":0.9916992,"punctuated_word":"assets?","sentiment":"neutral","sentiment_score":0.02144867740571499},{"word":"yep","start":388.2,"end":388.7,"confidence":0.7668457,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10045933723449708},{"word":"okay","start":404.29498,"end":404.775,"confidence":0.8520508,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08946551382541656},{"word":"so","start":404.775,"end":405.275,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.086676225066185},{"word":"that","start":405.57498,"end":405.895,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09968404471874236},{"word":"kinda","start":405.895,"end":406.215,"confidence":0.70751953,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.07873886823654175},{"word":"swings","start":406.215,"end":406.615,"confidence":0.99609375,"punctuated_word":"swings","sentiment":"neutral","sentiment_score":0.09787195920944214},{"word":"me","start":406.615,"end":406.775,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.11258883029222488},{"word":"over","start":406.775,"end":407.01498,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.0962742641568184},{"word":"to","start":407.01498,"end":407.51498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06916286051273346},{"word":"the","start":407.57498,"end":408.07498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0995066612958908},{"word":"superannuation","start":408.13498,"end":408.63498,"confidence":0.9951172,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.07737673074007034},{"word":"portion","start":409.01498,"end":409.335,"confidence":1.0,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.045183345675468445},{"word":"of","start":409.335,"end":409.495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06968597322702408},{"word":"the","start":409.495,"end":409.735,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05560283362865448},{"word":"insurances","start":409.735,"end":410.235,"confidence":0.9980469,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.06105726584792137},{"word":"so","start":410.9,"end":411.22,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10403068363666534},{"word":"what","start":411.22,"end":411.30002,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10677988827228546},{"word":"i'm","start":411.30002,"end":411.54,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09753364324569702},{"word":"gonna","start":411.54,"end":411.78,"confidence":0.9589844,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.11065797507762908},{"word":"kinda","start":411.78,"end":412.1,"confidence":0.92822266,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.1111263632774353},{"word":"do","start":412.1,"end":412.26,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09282978624105452},{"word":"do","start":412.42,"end":412.58002,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08380873501300812},{"word":"you","start":412.58002,"end":412.66,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06842254102230072},{"word":"have","start":412.66,"end":412.98,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.040232639759778976},{"word":"any","start":412.98,"end":413.22,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03922056779265404},{"word":"of","start":413.22,"end":413.38,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04622416943311691},{"word":"your","start":413.38,"end":413.88,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04512079432606697},{"word":"original","start":414.18,"end":414.68,"confidence":1.0,"punctuated_word":"original","sentiment":"neutral","sentiment_score":0.0192631334066391},{"word":"certificates","start":414.74002,"end":415.22,"confidence":0.9980469,"punctuated_word":"certificates","sentiment":"neutral","sentiment_score":0.02876345068216324},{"word":"or","start":415.22,"end":415.46002,"confidence":0.9902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06606508791446686},{"word":"current","start":415.46002,"end":415.78,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.02060701698064804},{"word":"insurances","start":415.78,"end":416.28,"confidence":0.99194336,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.040943294763565063},{"word":"open","start":416.34,"end":416.58002,"confidence":0.9111328,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.03126264736056328},{"word":"in","start":416.58002,"end":416.74002,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04439385235309601},{"word":"front","start":416.74002,"end":416.98,"confidence":1.0,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.04252312332391739},{"word":"of","start":416.98,"end":417.06,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.044666968286037445},{"word":"you","start":417.06,"end":417.56,"confidence":0.9975586,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.023523082956671715},{"word":"the","start":435.65,"end":435.89,"confidence":0.97998047,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.11734477430582048},{"word":"trauma","start":435.89,"end":436.39,"confidence":0.9909668,"punctuated_word":"trauma.","sentiment":"neutral","sentiment_score":-0.13003145158290863},{"word":"yeah","start":436.53,"end":437.03,"confidence":0.93115234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03757671266794205},{"word":"absolutely","start":437.25,"end":437.75,"confidence":0.8371582,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.223651260137558},{"word":"i've","start":439.09,"end":439.41,"confidence":0.85375977,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.22320353984832764},{"word":"got","start":439.41,"end":439.57,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.27178990840911865},{"word":"it","start":439.57,"end":439.65,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2374520003795624},{"word":"all","start":439.65,"end":439.89,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1909598410129547},{"word":"open","start":439.89,"end":440.21,"confidence":0.9580078,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.18940705060958865},{"word":"in","start":440.21,"end":440.29,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22208446264266968},{"word":"front","start":440.29,"end":440.53,"confidence":1.0,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.21242955327033997},{"word":"of","start":440.53,"end":440.69,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20546910166740415},{"word":"me","start":440.69,"end":441.19,"confidence":0.77441406,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.17719632387161255},{"word":"so","start":441.25,"end":441.65,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0995519608259201},{"word":"i'm","start":441.65,"end":441.97,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.022936543449759483},{"word":"having","start":441.97,"end":442.29,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.01615179516375065},{"word":"a","start":442.29,"end":442.37,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.023999987170100212},{"word":"quick","start":442.37,"end":442.77002,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.028152622282505035},{"word":"look","start":442.77002,"end":442.93,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.020411239936947823},{"word":"at","start":442.93,"end":443.17,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.022638296708464622},{"word":"the","start":443.17,"end":443.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017850438132882118},{"word":"the","start":443.49,"end":443.65,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012647071853280067},{"word":"four","start":443.65,"end":443.97,"confidence":0.92822266,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.010850133374333382},{"word":"policies","start":443.97,"end":444.47,"confidence":0.98535156,"punctuated_word":"policies,","sentiment":"neutral","sentiment_score":0.017335016280412674},{"word":"the","start":444.61002,"end":444.77002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021609945222735405},{"word":"way","start":444.77002,"end":444.93,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.02577832341194153},{"word":"they're","start":444.93,"end":445.17,"confidence":0.986084,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.014625008217990398},{"word":"split","start":445.17,"end":445.57,"confidence":0.79589844,"punctuated_word":"split,","sentiment":"neutral","sentiment_score":0.010548514313995838},{"word":"and","start":445.57,"end":445.73,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013599671423435211},{"word":"everything","start":445.73,"end":446.13,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.01344488374888897},{"word":"like","start":446.13,"end":446.37,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.005511695519089699},{"word":"that","start":446.37,"end":446.87,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.01657349243760109},{"word":"let's","start":449.145,"end":449.465,"confidence":0.99194336,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.028887858614325523},{"word":"just","start":449.465,"end":449.945,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03314380720257759},{"word":"have","start":449.945,"end":450.445,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.030606377869844437},{"word":"a","start":450.585,"end":450.825,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.027857236564159393},{"word":"quick","start":450.825,"end":451.145,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.02428698912262917},{"word":"look","start":451.145,"end":451.645,"confidence":1.0,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.023129228502511975},{"word":"so","start":451.705,"end":452.205,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03431002050638199},{"word":"income","start":452.665,"end":453.065,"confidence":0.9970703,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.058432817459106445},{"word":"protections","start":453.065,"end":453.565,"confidence":0.61376953,"punctuated_word":"protections","sentiment":"neutral","sentiment_score":0.03225021809339523},{"word":"there","start":453.705,"end":454.205,"confidence":0.91137695,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.037004921585321426},{"word":"five","start":454.665,"end":454.985,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.040528181940317154},{"word":"thousand","start":454.985,"end":455.305,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.02913186326622963},{"word":"966","start":455.305,"end":456.665,"confidence":0.9994141,"punctuated_word":"966","sentiment":"neutral","sentiment_score":0.04340921714901924},{"word":"per","start":456.665,"end":456.905,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.032161373645067215},{"word":"month","start":456.905,"end":457.305,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.030318090692162514},{"word":"worth","start":457.305,"end":457.54498,"confidence":0.99609375,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.016203835606575012},{"word":"of","start":457.54498,"end":457.785,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.021775297820568085},{"word":"cover","start":457.785,"end":458.26498,"confidence":0.9633789,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.028261123225092888},{"word":"that's","start":458.26498,"end":458.505,"confidence":0.8680013,"punctuated_word":"That's,","sentiment":"neutral","sentiment_score":0.0606839619576931},{"word":"like","start":458.505,"end":458.665,"confidence":1.0,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.09373025596141817},{"word":"the","start":458.665,"end":458.825,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11318998038768768},{"word":"payment","start":458.825,"end":459.225,"confidence":1.0,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":0.07448029518127441},{"word":"that","start":459.225,"end":459.385,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06985614448785782},{"word":"would","start":459.385,"end":459.54498,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0854353979229927},{"word":"come","start":459.54498,"end":459.705,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.0909377858042717},{"word":"out","start":459.705,"end":459.945,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0776301845908165},{"word":"to","start":459.945,"end":460.025,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07962441444396973},{"word":"you","start":460.025,"end":460.47,"confidence":0.9790039,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.08295667171478271},{"word":"thirty","start":460.55,"end":460.87,"confidence":0.9902344,"punctuated_word":"Thirty","sentiment":"neutral","sentiment_score":0.12605735659599304},{"word":"day","start":460.87,"end":461.11002,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.14549314975738523},{"word":"waiting","start":461.11002,"end":461.43,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.10230650007724762},{"word":"period","start":461.43,"end":461.83,"confidence":0.94873047,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.09045952558517456},{"word":"five","start":461.83,"end":462.15,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.15674437582492828},{"word":"year","start":462.15,"end":462.39,"confidence":0.9980469,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1383611559867859},{"word":"benefit","start":462.39,"end":462.87,"confidence":0.87231445,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.08920320868492126},{"word":"that's","start":462.87,"end":463.19,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6722849607467651},{"word":"pretty","start":463.19,"end":463.43,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.601019024848938},{"word":"perfect","start":463.43,"end":463.75,"confidence":0.99609375,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.6001609563827515},{"word":"it's","start":463.75,"end":463.99,"confidence":0.9719238,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.11612892150878906},{"word":"like","start":463.99,"end":464.15,"confidence":0.9223633,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07238638401031494},{"word":"you're","start":464.15,"end":464.39,"confidence":0.97680664,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05415688082575798},{"word":"out","start":464.39,"end":464.55,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.09599988162517548},{"word":"of","start":464.55,"end":464.63,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18562757968902588},{"word":"work","start":464.63,"end":464.79,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.2227785885334015},{"word":"for","start":464.79,"end":464.95,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.150983065366745},{"word":"a","start":464.95,"end":465.03,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11165102571249008},{"word":"month","start":465.03,"end":465.53,"confidence":0.86450195,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":-0.1187468096613884},{"word":"kicks","start":465.59,"end":465.91,"confidence":0.9970703,"punctuated_word":"kicks","sentiment":"neutral","sentiment_score":-0.09179729223251344},{"word":"in","start":465.91,"end":466.15,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06275869160890579},{"word":"monthly","start":466.15,"end":466.55,"confidence":0.99902344,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":-0.0850723460316658},{"word":"up","start":466.55,"end":466.71,"confidence":0.98291016,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0918070748448372},{"word":"to","start":466.71,"end":466.87,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06707293540239334},{"word":"five","start":466.87,"end":467.19,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.09160415083169936},{"word":"years","start":467.19,"end":467.69,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.20147483050823212},{"word":"for","start":467.75,"end":467.99,"confidence":0.95166016,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1739886999130249},{"word":"each","start":467.99,"end":468.15,"confidence":0.9863281,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.11801842600107192},{"word":"injury","start":468.15,"end":468.47,"confidence":0.99902344,"punctuated_word":"injury","sentiment":"neutral","sentiment_score":-0.08637139201164246},{"word":"and","start":468.47,"end":468.63,"confidence":0.9394531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08800739049911499},{"word":"illness","start":468.63,"end":469.03,"confidence":0.74072266,"punctuated_word":"illness,","sentiment":"neutral","sentiment_score":-0.09236283600330351},{"word":"if","start":469.03,"end":469.19,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.018871918320655823},{"word":"that","start":469.19,"end":469.35,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.001820668578147888},{"word":"makes","start":469.35,"end":469.59,"confidence":0.99121094,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.005240447819232941},{"word":"sense","start":469.59,"end":470.09,"confidence":0.99853516,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.009728170931339264},{"word":"i'm","start":471.03,"end":471.19,"confidence":0.9941406,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08646334707736969},{"word":"just","start":471.19,"end":471.43,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1043672412633896},{"word":"double","start":471.43,"end":471.75,"confidence":0.99902344,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.11768485605716704},{"word":"checking","start":471.75,"end":472.07,"confidence":0.99902344,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":0.09267213940620422},{"word":"your","start":472.07,"end":472.23,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0756138414144516},{"word":"inception","start":472.23,"end":472.71,"confidence":1.0,"punctuated_word":"inception","sentiment":"neutral","sentiment_score":0.0643618106842041},{"word":"date","start":472.71,"end":473.03,"confidence":0.85595703,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":0.09290335327386856},{"word":"so","start":473.03,"end":473.19,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10493667423725128},{"word":"that","start":473.19,"end":473.43,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11342676728963852},{"word":"covers","start":473.43,"end":473.93,"confidence":1.0,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.09726409614086153},{"word":"70%","start":474.15,"end":474.87,"confidence":1.0,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.13645677268505096},{"word":"of","start":474.87,"end":475.11,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08974099159240723},{"word":"income","start":475.11,"end":475.61,"confidence":0.98950195,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.1044672429561615},{"word":"which","start":476.025,"end":476.265,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.10059009492397308},{"word":"is","start":476.265,"end":476.505,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07448742538690567},{"word":"covering","start":476.505,"end":476.825,"confidence":0.99902344,"punctuated_word":"covering","sentiment":"neutral","sentiment_score":0.06986130774021149},{"word":"an","start":476.825,"end":476.98502,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07314763963222504},{"word":"income","start":476.98502,"end":477.225,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.049638234078884125},{"word":"of","start":477.225,"end":477.305,"confidence":0.5678711,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10210856050252914},{"word":"about","start":477.305,"end":477.465,"confidence":0.97802734,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0854492336511612},{"word":"a","start":477.465,"end":477.625,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12866346538066864},{"word":"$102,100","start":477.625,"end":478.905,"confidence":0.73836267,"punctuated_word":"$102,100","sentiment":"neutral","sentiment_score":0.10995122045278548},{"word":"and","start":478.905,"end":478.98502,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10868966579437256},{"word":"203,000","start":478.98502,"end":480.42502,"confidence":0.8959961,"punctuated_word":"203,000","sentiment":"neutral","sentiment_score":0.15704011917114258},{"word":"is","start":480.42502,"end":480.585,"confidence":0.97265625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1111435666680336},{"word":"being","start":480.585,"end":480.825,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.1110154539346695},{"word":"protected","start":480.825,"end":481.325,"confidence":1.0,"punctuated_word":"protected","sentiment":"neutral","sentiment_score":0.11489419639110564},{"word":"at","start":481.385,"end":481.465,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0876293033361435},{"word":"the","start":481.465,"end":481.545,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09759771823883057},{"word":"moment","start":481.545,"end":482.045,"confidence":0.9995117,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.10871413350105286},{"word":"so","start":483.625,"end":483.865,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1923259198665619},{"word":"if","start":483.865,"end":484.025,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24473953247070312},{"word":"that's","start":484.025,"end":484.425,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.23822295665740967},{"word":"okay","start":484.425,"end":484.825,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.2638709545135498},{"word":"for","start":484.825,"end":485.065,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2593156695365906},{"word":"you","start":485.065,"end":485.565,"confidence":0.98583984,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.26928892731666565},{"word":"just","start":486.345,"end":486.505,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0037560313940048218},{"word":"bear","start":486.505,"end":486.745,"confidence":0.99902344,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":-0.01701626181602478},{"word":"in","start":486.745,"end":486.825,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05985439196228981},{"word":"mind","start":486.825,"end":487.145,"confidence":0.8017578,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":-0.05838935449719429},{"word":"like","start":487.145,"end":487.465,"confidence":0.9921875,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.043014951050281525},{"word":"yeah","start":494.19998,"end":494.68,"confidence":0.7495117,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.001279439777135849},{"word":"yeah","start":494.68,"end":494.91998,"confidence":0.87353516,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.006949391216039658},{"word":"it's","start":494.91998,"end":495.15997,"confidence":0.9926758,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.005098026245832443},{"word":"mainly","start":495.15997,"end":495.56,"confidence":0.9980469,"punctuated_word":"mainly","sentiment":"neutral","sentiment_score":-0.01359368860721588},{"word":"like","start":495.56,"end":495.72,"confidence":0.6503906,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.011711165308952332},{"word":"an","start":495.72,"end":495.87997,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.010256990790367126},{"word":"expense","start":495.87997,"end":496.36,"confidence":1.0,"punctuated_word":"expense","sentiment":"neutral","sentiment_score":0.0057153403759002686},{"word":"covering","start":496.36,"end":496.84,"confidence":1.0,"punctuated_word":"covering","sentiment":"neutral","sentiment_score":-0.021589651703834537},{"word":"exercise","start":496.84,"end":497.34,"confidence":1.0,"punctuated_word":"exercise","sentiment":"neutral","sentiment_score":-0.0299038328230381},{"word":"there","start":497.4,"end":497.63998,"confidence":0.93237305,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.01371920108795166},{"word":"and","start":497.63998,"end":498.12,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0032326504588127136},{"word":"what","start":498.12,"end":498.36,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.002330034971237182},{"word":"tends","start":498.36,"end":498.59998,"confidence":1.0,"punctuated_word":"tends","sentiment":"neutral","sentiment_score":0.016956960782408714},{"word":"to","start":498.59998,"end":498.75998,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0009695440530776978},{"word":"happen","start":498.75998,"end":499.08,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.008835326880216599},{"word":"is","start":499.08,"end":499.15997,"confidence":0.92993164,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.01349882036447525},{"word":"like","start":499.15997,"end":499.31998,"confidence":0.9650879,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.009790342301130297},{"word":"let's","start":499.31998,"end":499.47998,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.004208167549222708},{"word":"say","start":499.47998,"end":499.72,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.016840524971485138},{"word":"i've","start":499.72,"end":499.87997,"confidence":0.82055664,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.015786822885274887},{"word":"recorded","start":499.87997,"end":500.28,"confidence":1.0,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.020693335682153705},{"word":"you","start":500.28,"end":500.36,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017574366182088852},{"word":"as","start":500.36,"end":500.52,"confidence":0.9604492,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.023454833775758743},{"word":"a","start":500.52,"end":500.68,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02124180644750595},{"word":"100,000","start":500.68,"end":501.31998,"confidence":0.9995117,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.022045597434043884},{"word":"income","start":501.31998,"end":501.81998,"confidence":0.9770508,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.0127025805413723},{"word":"let's","start":502.03998,"end":502.36,"confidence":0.9641113,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.010645030066370964},{"word":"say","start":502.36,"end":502.785,"confidence":0.9758301,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.018144356086850166},{"word":"and","start":502.945,"end":503.105,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.019719522446393967},{"word":"you","start":503.105,"end":503.265,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02024294435977936},{"word":"go","start":503.265,"end":503.42502,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.027040060609579086},{"word":"and","start":503.42502,"end":503.745,"confidence":0.90283203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.010672926902770996},{"word":"claim","start":503.745,"end":504.245,"confidence":0.7702637,"punctuated_word":"claim.","sentiment":"neutral","sentiment_score":0.022560393437743187},{"word":"you","start":504.305,"end":504.465,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.023919887840747833},{"word":"give","start":504.465,"end":504.625,"confidence":0.94921875,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.01927894353866577},{"word":"them","start":504.625,"end":504.785,"confidence":0.99316406,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.009746041148900986},{"word":"your","start":504.785,"end":505.025,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.029961541295051575},{"word":"twelve","start":505.025,"end":505.265,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.01947072148323059},{"word":"months","start":505.265,"end":505.585,"confidence":0.90625,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.01498442143201828},{"word":"financials","start":505.585,"end":506.085,"confidence":0.97281903,"punctuated_word":"financials.","sentiment":"neutral","sentiment_score":0.016049273312091827},{"word":"if","start":506.305,"end":506.545,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.006937507539987564},{"word":"they","start":506.545,"end":506.785,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.0040622614324092865},{"word":"say","start":506.785,"end":507.025,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.005129948258399963},{"word":"you're","start":507.025,"end":507.345,"confidence":0.982666,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.015207765623927116},{"word":"protected","start":507.345,"end":507.825,"confidence":1.0,"punctuated_word":"protected","sentiment":"neutral","sentiment_score":0.005698569118976593},{"word":"for","start":507.825,"end":507.98502,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01809760555624962},{"word":"a","start":507.98502,"end":508.145,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.029973622411489487},{"word":"102,000","start":508.145,"end":509.20502,"confidence":0.9571533,"punctuated_word":"102,000,","sentiment":"neutral","sentiment_score":0.03616469353437424},{"word":"but","start":509.42502,"end":509.665,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0072054192423820496},{"word":"you","start":509.665,"end":509.825,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019957251846790314},{"word":"own","start":509.825,"end":509.98502,"confidence":0.609375,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.002845168113708496},{"word":"a","start":509.98502,"end":510.145,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007301464676856995},{"word":"100","start":510.145,"end":510.625,"confidence":0.99560547,"punctuated_word":"100,","sentiment":"neutral","sentiment_score":0.028036629781126976},{"word":"they'll","start":510.625,"end":510.865,"confidence":0.98657227,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.053659588098526},{"word":"give","start":510.865,"end":511.025,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.055587880313396454},{"word":"you","start":511.025,"end":511.185,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0583602711558342},{"word":"70%","start":511.185,"end":511.98502,"confidence":0.9758301,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.07213199138641357},{"word":"on","start":511.98502,"end":512.145,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.061283089220523834},{"word":"the","start":512.145,"end":512.305,"confidence":0.9448242,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030530504882335663},{"word":"100,000","start":512.305,"end":513.125,"confidence":0.9980469,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.09937620162963869},{"word":"that","start":513.585,"end":513.745,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06909520924091339},{"word":"you've","start":513.745,"end":513.905,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.03358179330825806},{"word":"actually","start":513.905,"end":514.225,"confidence":1.0,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.027553826570510864},{"word":"got","start":514.225,"end":514.465,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.02636551856994629},{"word":"on","start":514.465,"end":514.625,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.032001856714487076},{"word":"paper","start":514.625,"end":515.125,"confidence":0.99902344,"punctuated_word":"paper.","sentiment":"neutral","sentiment_score":0.007566269487142563},{"word":"so","start":515.24,"end":515.39996,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03364448621869087},{"word":"just","start":515.39996,"end":515.63995,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02519373968243599},{"word":"bear","start":515.63995,"end":515.87994,"confidence":1.0,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":0.0002521313726902008},{"word":"in","start":515.87994,"end":516.04,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.005150493234395981},{"word":"mind","start":516.04,"end":516.51996,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.03116796165704727},{"word":"that","start":516.51996,"end":516.75995,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01277364045381546},{"word":"it's","start":516.75995,"end":517.0,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.027928318828344345},{"word":"very","start":517.0,"end":517.24,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.04516582190990448},{"word":"close","start":517.24,"end":517.74,"confidence":0.9926758,"punctuated_word":"close,","sentiment":"neutral","sentiment_score":-0.034161053597927094},{"word":"but","start":517.95996,"end":518.19995,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.014284975826740263},{"word":"it'll","start":518.19995,"end":518.44,"confidence":0.9980469,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.020664826035499573},{"word":"be","start":518.44,"end":518.6,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.02074792981147766},{"word":"based","start":518.6,"end":518.92,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.025112098082900047},{"word":"on","start":518.92,"end":519.42,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.011636219918727876},{"word":"the","start":519.72,"end":519.87994,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.027002163231372833},{"word":"actual","start":519.87994,"end":520.19995,"confidence":0.99902344,"punctuated_word":"actual","sentiment":"neutral","sentiment_score":-0.02993343025445938},{"word":"income","start":520.19995,"end":520.6,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.027098603546619415},{"word":"at","start":520.6,"end":520.68,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05347903445363045},{"word":"the","start":520.68,"end":520.83997,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03282850608229637},{"word":"time","start":520.83997,"end":521.33997,"confidence":1.0,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.015905307605862617},{"word":"life","start":523.24,"end":523.56,"confidence":0.71240234,"punctuated_word":"Life","sentiment":"neutral","sentiment_score":-0.004099607467651367},{"word":"and","start":523.56,"end":523.72,"confidence":0.8911133,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02798379957675934},{"word":"dpd","start":523.72,"end":524.19995,"confidence":0.9333496,"punctuated_word":"DPD","sentiment":"neutral","sentiment_score":0.02181604877114296},{"word":"insurance","start":524.19995,"end":524.6,"confidence":0.89624023,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.014124980196356772},{"word":"so","start":524.6,"end":524.68,"confidence":0.9863281,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0341300405561924},{"word":"that's","start":524.68,"end":524.92,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0179702490568161},{"word":"your","start":524.92,"end":525.16,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.014666110277175903},{"word":"total","start":525.16,"end":525.56,"confidence":1.0,"punctuated_word":"total","sentiment":"neutral","sentiment_score":-0.05077710002660751},{"word":"disability","start":525.56,"end":526.04,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":-0.03302359580993652},{"word":"where","start":526.04,"end":526.27997,"confidence":0.9038086,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.014310114085674286},{"word":"it's","start":526.27997,"end":526.44,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.01652645319700241},{"word":"like","start":526.44,"end":526.6,"confidence":0.7915039,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.010828912258148192},{"word":"if","start":526.6,"end":526.75995,"confidence":0.66308594,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.020343687385320663},{"word":"you","start":526.75995,"end":527.0,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.053617194294929504},{"word":"pass","start":527.0,"end":527.16,"confidence":0.9921875,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.06658410280942917},{"word":"away","start":527.16,"end":527.66,"confidence":0.9995117,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":-0.015611886978149414},{"word":"here's","start":527.745,"end":527.985,"confidence":0.99853516,"punctuated_word":"here's","sentiment":"neutral","sentiment_score":0.018950078636407852},{"word":"a","start":527.985,"end":528.145,"confidence":0.93115234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024826444685459137},{"word":"lump","start":528.145,"end":528.385,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.01617032289505005},{"word":"sum","start":528.385,"end":528.885,"confidence":0.98657227,"punctuated_word":"sum.","sentiment":"neutral","sentiment_score":0.02021146379411221},{"word":"if","start":528.945,"end":529.105,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.025700688362121586},{"word":"you","start":529.105,"end":529.265,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03711850196123123},{"word":"can","start":529.265,"end":529.505,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.06213294714689255},{"word":"never","start":529.505,"end":529.745,"confidence":0.99902344,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.05632125586271286},{"word":"work","start":529.745,"end":529.985,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.07350993156433105},{"word":"again","start":529.985,"end":530.46497,"confidence":0.9995117,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.06793418526649475},{"word":"here's","start":530.46497,"end":530.705,"confidence":0.9995117,"punctuated_word":"here's","sentiment":"neutral","sentiment_score":0.01948290504515171},{"word":"a","start":530.705,"end":530.865,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024454565718770027},{"word":"lump","start":530.865,"end":531.185,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.022331833839416504},{"word":"sum","start":531.185,"end":531.685,"confidence":1.0,"punctuated_word":"sum.","sentiment":"neutral","sentiment_score":0.0708760917186737},{"word":"you","start":532.065,"end":532.305,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.10437216609716415},{"word":"have","start":532.305,"end":532.705,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14600221812725067},{"word":"787,500","start":532.705,"end":535.025,"confidence":0.9974365,"punctuated_word":"787,500","sentiment":"neutral","sentiment_score":0.16852892935276031},{"word":"of","start":535.025,"end":535.185,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14211541414260864},{"word":"those","start":535.185,"end":535.685,"confidence":0.810791,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.1310001164674759},{"word":"and","start":535.985,"end":536.485,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08722004294395447},{"word":"combined","start":537.345,"end":537.745,"confidence":0.95043945,"punctuated_word":"combined,","sentiment":"neutral","sentiment_score":0.1399347335100174},{"word":"they're","start":537.745,"end":537.90497,"confidence":0.9916992,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.11986204236745834},{"word":"a","start":537.90497,"end":537.985,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12510636448860168},{"word":"little","start":537.985,"end":538.225,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.09824080765247344},{"word":"bit","start":538.225,"end":538.305,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09210658073425292},{"word":"under","start":538.305,"end":538.545,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.1794411838054657},{"word":"$2","start":538.545,"end":539.105,"confidence":1.0,"punctuated_word":"$2","sentiment":"neutral","sentiment_score":0.08372939378023148},{"word":"in","start":539.105,"end":539.265,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10451442003250122},{"word":"premiums","start":539.265,"end":539.765,"confidence":0.9367676,"punctuated_word":"premiums.","sentiment":"neutral","sentiment_score":0.10566534847021104},{"word":"so","start":540.065,"end":540.225,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0943106859922409},{"word":"i","start":540.225,"end":540.305,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07822930812835693},{"word":"wanna","start":540.305,"end":540.625,"confidence":0.9003906,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09608299285173416},{"word":"kind","start":540.625,"end":540.785,"confidence":0.9277344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.09726803004741667},{"word":"of","start":540.785,"end":540.945,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11468707025051116},{"word":"run","start":540.945,"end":541.105,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.15032240748405457},{"word":"that","start":541.105,"end":541.265,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14362914860248566},{"word":"by","start":541.265,"end":541.425,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.12838608026504517},{"word":"you","start":541.425,"end":541.585,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1519828587770462},{"word":"because","start":541.585,"end":541.745,"confidence":0.8183594,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.10269351303577424},{"word":"if","start":541.745,"end":541.90497,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15407231450080872},{"word":"you're","start":541.90497,"end":542.145,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1200043186545372},{"word":"gonna","start":542.145,"end":542.46497,"confidence":0.99121094,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.14557725191116333},{"word":"purchase","start":542.46497,"end":542.96497,"confidence":0.99902344,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.12702137231826782},{"word":"that","start":543.91003,"end":544.41003,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1455862820148468},{"word":"two","start":544.95,"end":545.19,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.1058211699128151},{"word":"bedroom","start":545.19,"end":545.67004,"confidence":1.0,"punctuated_word":"bedroom","sentiment":"neutral","sentiment_score":0.13029134273529053},{"word":"apartment","start":545.67004,"end":546.17004,"confidence":0.77319336,"punctuated_word":"apartment,","sentiment":"neutral","sentiment_score":0.12049943208694458},{"word":"have","start":546.71,"end":546.95,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1332118660211563},{"word":"you","start":546.95,"end":547.03,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003334333188831806},{"word":"got","start":547.03,"end":547.11005,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0022837333381175995},{"word":"any","start":547.11005,"end":547.35004,"confidence":0.99609375,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.006173495203256607},{"word":"idea","start":547.35004,"end":547.67004,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.004941747523844242},{"word":"about","start":547.67004,"end":547.99,"confidence":0.95166016,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.007916219532489777},{"word":"how","start":547.99,"end":548.07,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.007652626372873783},{"word":"much","start":548.07,"end":548.31,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.008125416934490204},{"word":"that","start":548.31,"end":548.47003,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008068240247666836},{"word":"would","start":548.47003,"end":548.63,"confidence":0.38989258,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.007923102006316185},{"word":"cost","start":548.63,"end":549.13,"confidence":0.9746094,"punctuated_word":"cost?","sentiment":"neutral","sentiment_score":0.00991897750645876},{"word":"$4.50","start":552.71,"end":553.27,"confidence":0.97216797,"punctuated_word":"$4.50","sentiment":"neutral","sentiment_score":0.007631232496351004},{"word":"and","start":553.27,"end":553.51,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.005756761878728867},{"word":"500","start":553.51,"end":554.25,"confidence":0.9576416,"punctuated_word":"500.","sentiment":"neutral","sentiment_score":0.012561523355543612},{"word":"so","start":554.39,"end":554.89,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.011059015989303589},{"word":"what","start":555.52496,"end":555.685,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03791531175374985},{"word":"that","start":555.685,"end":555.925,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0024761855602264404},{"word":"kind","start":555.925,"end":556.165,"confidence":0.56933594,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.028920788317918777},{"word":"of","start":556.165,"end":556.245,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.022227074950933456},{"word":"says","start":556.245,"end":556.485,"confidence":1.0,"punctuated_word":"says","sentiment":"neutral","sentiment_score":-0.016569290310144424},{"word":"is","start":556.485,"end":556.725,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.018588196486234665},{"word":"that","start":556.725,"end":556.96497,"confidence":0.9838867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.029598413035273552},{"word":"outside","start":556.96497,"end":557.365,"confidence":0.9980469,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.021985050290822983},{"word":"of","start":557.365,"end":557.865,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04073275253176689},{"word":"debt","start":558.32495,"end":558.64496,"confidence":0.90722656,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.10397256165742874},{"word":"clearance","start":558.64496,"end":559.14496,"confidence":0.98168945,"punctuated_word":"clearance,","sentiment":"neutral","sentiment_score":-0.06676159054040909},{"word":"future","start":559.605,"end":559.925,"confidence":1.0,"punctuated_word":"future","sentiment":"neutral","sentiment_score":-0.06581869721412659},{"word":"liabilities","start":559.925,"end":560.425,"confidence":0.9995117,"punctuated_word":"liabilities,","sentiment":"neutral","sentiment_score":-0.060731641948223114},{"word":"you","start":560.88495,"end":561.125,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0863020122051239},{"word":"look","start":561.125,"end":561.245,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.07841607183218002},{"word":"a","start":561.245,"end":561.365,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06905406713485718},{"word":"little","start":561.365,"end":561.605,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.08186453580856323},{"word":"bit","start":561.605,"end":561.845,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.10175897926092148},{"word":"over","start":561.845,"end":562.165,"confidence":0.9980469,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.11817465722560884},{"word":"insured","start":562.165,"end":562.64496,"confidence":0.7036133,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.0951625034213066},{"word":"unless","start":562.64496,"end":563.045,"confidence":0.90527344,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.11827486753463744},{"word":"you're","start":563.045,"end":563.285,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0710933580994606},{"word":"wanting","start":563.285,"end":563.785,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.05262865126132965},{"word":"that","start":564.165,"end":564.485,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04738558828830719},{"word":"lump","start":564.485,"end":564.725,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":-0.031786296516656876},{"word":"sum","start":564.725,"end":565.045,"confidence":0.9970703,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":-0.02044273167848587},{"word":"cover","start":565.045,"end":565.545,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.01734476536512375},{"word":"to","start":565.845,"end":566.00494,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03984171152114868},{"word":"replace","start":566.00494,"end":566.40497,"confidence":0.97314453,"punctuated_word":"replace,","sentiment":"neutral","sentiment_score":-0.04071460664272308},{"word":"like","start":566.40497,"end":566.64496,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.046949274837970734},{"word":"lost","start":566.64496,"end":566.88495,"confidence":0.9921875,"punctuated_word":"lost","sentiment":"neutral","sentiment_score":-0.08227530121803284},{"word":"income","start":566.88495,"end":567.38495,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.10301436483860016},{"word":"for","start":567.52496,"end":567.76495,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09738756716251372},{"word":"the","start":567.76495,"end":567.845,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07163436710834503},{"word":"family","start":567.845,"end":568.32495,"confidence":0.8039551,"punctuated_word":"family,","sentiment":"neutral","sentiment_score":-0.05204838141798973},{"word":"kids","start":568.32495,"end":568.64496,"confidence":0.97753906,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":-0.04485493153333664},{"word":"and","start":568.64496,"end":568.805,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03685361891984939},{"word":"so","start":568.805,"end":568.96497,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.03357671946287155},{"word":"on","start":568.96497,"end":569.34,"confidence":0.9980469,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.01992344856262207},{"word":"yeah","start":580.94,"end":581.26,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07405075430870056},{"word":"so","start":581.26,"end":581.42004,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06586339324712753},{"word":"if","start":581.42004,"end":581.58,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06939496845006943},{"word":"i","start":581.58,"end":581.74005,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0597538985311985},{"word":"let's","start":581.98004,"end":582.22003,"confidence":0.9995117,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.037272609770298},{"word":"say","start":582.22003,"end":582.72003,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.038448162376880646},{"word":"787,000","start":583.105,"end":584.645,"confidence":0.99487305,"punctuated_word":"787,000","sentiment":"neutral","sentiment_score":-0.03008708916604519},{"word":"current","start":585.025,"end":585.525,"confidence":0.9748535,"punctuated_word":"current,","sentiment":"neutral","sentiment_score":-0.034963224083185196},{"word":"500,000","start":585.985,"end":587.025,"confidence":0.9996745,"punctuated_word":"500,000","sentiment":"neutral","sentiment_score":-0.03004612773656845},{"word":"flat","start":587.025,"end":587.34503,"confidence":0.99609375,"punctuated_word":"flat","sentiment":"neutral","sentiment_score":-0.004358474165201187},{"word":"as","start":587.34503,"end":587.585,"confidence":0.97509766,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04433780163526535},{"word":"an","start":587.585,"end":587.745,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.029840312898159027},{"word":"example","start":587.745,"end":588.245,"confidence":0.93652344,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.029600994661450383},{"word":"that","start":588.625,"end":588.945,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.032448574900627136},{"word":"chops","start":588.945,"end":589.265,"confidence":0.97509766,"punctuated_word":"chops","sentiment":"neutral","sentiment_score":-0.055277179926633835},{"word":"about","start":589.265,"end":589.505,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06802897155284882},{"word":"a","start":589.505,"end":589.665,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05225738137960434},{"word":"third","start":589.665,"end":589.905,"confidence":1.0,"punctuated_word":"third","sentiment":"neutral","sentiment_score":-0.056993935257196426},{"word":"of","start":589.905,"end":590.065,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06103190407156944},{"word":"it","start":590.065,"end":590.22504,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09848374128341676},{"word":"off","start":590.22504,"end":590.545,"confidence":0.88623047,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.05497010052204132},{"word":"so","start":590.545,"end":590.78503,"confidence":0.9580078,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0030299201607704163},{"word":"you","start":590.78503,"end":590.945,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0079430490732193},{"word":"go","start":590.945,"end":591.445,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.00004265457391738891},{"word":"from","start":591.505,"end":592.005,"confidence":0.9152832,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":-0.005972592160105705},{"word":"say","start":594.065,"end":594.545,"confidence":0.99609375,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.006461687386035919},{"word":"1,900","start":594.545,"end":595.525,"confidence":0.9995117,"punctuated_word":"1,900","sentiment":"neutral","sentiment_score":0.011071480810642242},{"word":"down","start":596.065,"end":596.465,"confidence":0.9951172,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.008082441985607147},{"word":"to","start":596.465,"end":596.965,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01384524255990982},{"word":"1,400","start":597.81,"end":598.55,"confidence":1.0,"punctuated_word":"1,400","sentiment":"neutral","sentiment_score":-0.004449853673577309},{"word":"kind","start":598.69,"end":598.93,"confidence":0.80615234,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.02274384908378124},{"word":"of","start":598.93,"end":599.01,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.028203479945659637},{"word":"thing","start":599.01,"end":599.51,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.014460569247603416},{"word":"would","start":600.05,"end":600.21,"confidence":0.8178711,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.010083094239234924},{"word":"be","start":600.21,"end":600.37,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.007487467490136623},{"word":"my","start":600.37,"end":600.53,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.005660658702254295},{"word":"estimate","start":600.53,"end":601.03,"confidence":0.9995117,"punctuated_word":"estimate.","sentiment":"neutral","sentiment_score":-0.0023090997710824013},{"word":"yeah","start":601.57,"end":602.07,"confidence":0.88916016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03395893797278404},{"word":"yeah","start":611.205,"end":611.605,"confidence":0.90625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13816559314727783},{"word":"because","start":611.605,"end":611.925,"confidence":0.9951172,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.14420047402381897},{"word":"it's","start":611.925,"end":612.165,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2247633785009384},{"word":"one","start":612.165,"end":612.28503,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.259076863527298},{"word":"of","start":612.28503,"end":612.405,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2691290080547333},{"word":"those","start":612.405,"end":612.565,"confidence":0.9658203,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3430546820163727},{"word":"things","start":612.565,"end":612.805,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.3022204041481018},{"word":"where","start":612.805,"end":613.305,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.18628939986228943},{"word":"what","start":613.84503,"end":614.005,"confidence":0.875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.23996029794216156},{"word":"you","start":614.005,"end":614.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2815247178077698},{"word":"want","start":614.165,"end":614.405,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.2589055299758911},{"word":"it","start":614.405,"end":614.645,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23594453930854797},{"word":"for","start":614.645,"end":614.885,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2470947951078415},{"word":"so","start":615.125,"end":615.445,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.25656476616859436},{"word":"step","start":615.445,"end":615.685,"confidence":0.9970703,"punctuated_word":"step","sentiment":"positive","sentiment_score":0.4116629958152771},{"word":"one","start":615.685,"end":616.085,"confidence":0.9025879,"punctuated_word":"one,","sentiment":"positive","sentiment_score":0.342185378074646},{"word":"okay","start":616.085,"end":616.565,"confidence":0.95581055,"punctuated_word":"okay,","sentiment":"neutral","sentiment_score":0.31991761922836304},{"word":"get","start":616.565,"end":616.885,"confidence":0.9970703,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3569756746292114},{"word":"a","start":616.885,"end":617.205,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3541717529296875},{"word":"a","start":617.205,"end":617.28503,"confidence":0.56591797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3154563307762146},{"word":"mortgage","start":617.28503,"end":617.78503,"confidence":0.7746582,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.2626194357872009},{"word":"clears","start":618.165,"end":618.485,"confidence":0.84765625,"punctuated_word":"clears","sentiment":"neutral","sentiment_score":0.297506183385849},{"word":"the","start":618.485,"end":618.645,"confidence":0.84716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2836969196796417},{"word":"mortgage","start":618.645,"end":619.045,"confidence":0.80615234,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.2449355274438858},{"word":"happy","start":619.045,"end":619.28503,"confidence":0.9980469,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4233653247356415},{"word":"days","start":619.28503,"end":619.525,"confidence":0.8371582,"punctuated_word":"days.","sentiment":"positive","sentiment_score":0.4568554759025574},{"word":"you've","start":619.525,"end":619.685,"confidence":0.99609375,"punctuated_word":"You've","sentiment":"positive","sentiment_score":0.4175170361995697},{"word":"got","start":619.685,"end":619.84503,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4693334400653839},{"word":"your","start":619.84503,"end":620.085,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4731095433235169},{"word":"income","start":620.085,"end":620.405,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.3909085690975189},{"word":"protection","start":620.405,"end":620.805,"confidence":0.9951172,"punctuated_word":"protection","sentiment":"positive","sentiment_score":0.36411750316619873},{"word":"to","start":620.805,"end":620.965,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3699488937854767},{"word":"kick","start":620.965,"end":621.205,"confidence":1.0,"punctuated_word":"kick","sentiment":"positive","sentiment_score":0.4206485152244568},{"word":"in","start":621.205,"end":621.605,"confidence":0.9797363,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.30356770753860474},{"word":"that's","start":621.605,"end":621.925,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6653254628181458},{"word":"great","start":621.925,"end":622.425,"confidence":0.9970703,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6426894068717957},{"word":"and","start":622.55,"end":622.70996,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2579502761363983},{"word":"then","start":622.70996,"end":622.94995,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2761029601097107},{"word":"from","start":622.94995,"end":623.18994,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.24960792064666748},{"word":"there","start":623.18994,"end":623.68994,"confidence":0.99853516,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.23278963565826416},{"word":"you","start":623.75,"end":623.91,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3394913673400879},{"word":"can","start":623.91,"end":624.14996,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.32128727436065674},{"word":"insure","start":624.14996,"end":624.38995,"confidence":0.7714844,"punctuated_word":"insure","sentiment":"neutral","sentiment_score":0.25221359729766846},{"word":"yourself","start":624.38995,"end":624.62994,"confidence":0.99902344,"punctuated_word":"yourself","sentiment":"positive","sentiment_score":0.3564222455024719},{"word":"for","start":624.62994,"end":624.79,"confidence":0.81591797,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2972162365913391},{"word":"millions","start":624.79,"end":625.11,"confidence":1.0,"punctuated_word":"millions","sentiment":"positive","sentiment_score":0.3739219903945923},{"word":"and","start":625.11,"end":625.35,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26905176043510437},{"word":"come","start":625.35,"end":625.50995,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.3256042003631592},{"word":"up","start":625.50995,"end":625.67,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.28174734115600586},{"word":"with","start":625.67,"end":625.82996,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.29800429940223694},{"word":"all","start":625.82996,"end":626.06995,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.282275915145874},{"word":"reasons","start":626.06995,"end":626.38995,"confidence":0.98291016,"punctuated_word":"reasons","sentiment":"neutral","sentiment_score":0.21998219192028048},{"word":"for","start":626.38995,"end":626.62994,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2224280834197998},{"word":"it","start":626.62994,"end":627.02997,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.16596053540706637},{"word":"you","start":627.02997,"end":627.26996,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.08008532971143723},{"word":"can","start":627.26996,"end":627.35,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09394866228103638},{"word":"say","start":627.35,"end":627.58997,"confidence":0.99560547,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.11145766079425812},{"word":"okay","start":627.58997,"end":628.08997,"confidence":0.9602051,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.0907447636127472},{"word":"if","start":628.23,"end":628.47,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.04380711913108826},{"word":"i","start":628.47,"end":628.55,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.028671346604824063},{"word":"can","start":628.55,"end":628.79,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.026364915072917935},{"word":"never","start":628.79,"end":628.94995,"confidence":0.77685547,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.028338894248008728},{"word":"work","start":628.94995,"end":629.11,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.03298286348581314},{"word":"again","start":629.11,"end":629.35,"confidence":0.99365234,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.03058682754635811},{"word":"i","start":629.35,"end":629.50995,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02358020842075348},{"word":"want","start":629.50995,"end":629.67,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.019965313374996185},{"word":"the","start":629.67,"end":629.75,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01840326189994812},{"word":"mortgage","start":629.75,"end":630.06995,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.02138777077198029},{"word":"paid","start":630.06995,"end":630.23,"confidence":0.984375,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.014072522521018982},{"word":"off","start":630.23,"end":630.38995,"confidence":0.94970703,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.020021118223667145},{"word":"but","start":630.38995,"end":630.55,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04595550149679184},{"word":"then","start":630.55,"end":630.70996,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07879039645195007},{"word":"i","start":630.70996,"end":630.87,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08633367717266083},{"word":"also","start":630.87,"end":631.11,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08837039768695831},{"word":"want","start":631.11,"end":631.35,"confidence":0.9951172,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.12073569744825365},{"word":"a","start":631.35,"end":631.43,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1395590603351593},{"word":"million","start":631.43,"end":631.75,"confidence":0.9980469,"punctuated_word":"million","sentiment":"neutral","sentiment_score":0.13318896293640137},{"word":"dollars","start":631.75,"end":632.06995,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.14282947778701782},{"word":"to","start":632.06995,"end":632.23,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1385703682899475},{"word":"live","start":632.23,"end":632.47,"confidence":1.0,"punctuated_word":"live","sentiment":"neutral","sentiment_score":0.15225732326507568},{"word":"off","start":632.47,"end":632.87,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.12147261202335358},{"word":"and","start":632.87,"end":633.11,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11658358573913574},{"word":"invest","start":633.11,"end":633.61,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.12151452898979188},{"word":"and","start":633.82996,"end":634.06995,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10712406039237976},{"word":"renovate","start":634.06995,"end":634.56995,"confidence":1.0,"punctuated_word":"renovate","sentiment":"neutral","sentiment_score":0.12006301432847977},{"word":"the","start":634.62994,"end":634.79,"confidence":0.9267578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12025991082191469},{"word":"house","start":634.79,"end":635.29,"confidence":1.0,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.13551011681556702},{"word":"and","start":635.45496,"end":635.695,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08697405457496643},{"word":"do","start":635.695,"end":635.77496,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12602168321609497},{"word":"all","start":635.77496,"end":635.935,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1447407454252243},{"word":"this","start":635.935,"end":636.175,"confidence":0.9941406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12401237338781355},{"word":"sort","start":636.175,"end":636.255,"confidence":1.0,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06314151734113693},{"word":"of","start":636.255,"end":636.415,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10902930796146391},{"word":"thing","start":636.415,"end":636.815,"confidence":0.74731445,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.14406895637512207},{"word":"and","start":636.815,"end":636.975,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12422670423984528},{"word":"you","start":636.975,"end":637.055,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16282305121421814},{"word":"can","start":637.055,"end":637.21497,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1720299869775772},{"word":"just","start":637.21497,"end":637.45496,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.134025901556015},{"word":"add","start":637.45496,"end":637.855,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.1559276282787323},{"word":"so","start":637.855,"end":637.935,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12417060136795044},{"word":"many","start":637.935,"end":638.255,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.14696261286735535},{"word":"different","start":638.255,"end":638.495,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.12916319072246552},{"word":"things","start":638.495,"end":638.89496,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1278185099363327},{"word":"on","start":638.89496,"end":639.39496,"confidence":0.9995117,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.08858305215835571},{"word":"and","start":639.855,"end":640.355,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0005754046142101288},{"word":"the","start":640.415,"end":640.575,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08112989366054535},{"word":"problem","start":640.575,"end":640.89496,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":-0.13016830384731293},{"word":"that","start":640.89496,"end":641.055,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13292144238948822},{"word":"you've","start":641.055,"end":641.295,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.12887504696846008},{"word":"got","start":641.295,"end":641.77496,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.18345792591571808},{"word":"is","start":641.77496,"end":642.095,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.17649796605110168},{"word":"that","start":642.095,"end":642.495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1956875771284103},{"word":"every","start":642.495,"end":642.815,"confidence":0.9951172,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.21055221557617188},{"word":"january","start":642.815,"end":643.315,"confidence":0.9875488,"punctuated_word":"January,","sentiment":"neutral","sentiment_score":-0.1918257921934128},{"word":"that's","start":643.855,"end":644.175,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.21056978404521945},{"word":"gonna","start":644.175,"end":644.415,"confidence":0.89501953,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.20000845193862915},{"word":"go","start":644.415,"end":644.575,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.19837696850299835},{"word":"up","start":644.575,"end":644.735,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.23838040232658383},{"word":"in","start":644.735,"end":644.975,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2691769599914551},{"word":"premiums","start":644.975,"end":645.475,"confidence":0.95874023,"punctuated_word":"premiums.","sentiment":"neutral","sentiment_score":-0.25605112314224243},{"word":"and","start":645.855,"end":646.33496,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.14811353385448456},{"word":"before","start":646.33496,"end":646.65497,"confidence":0.99609375,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.15913954377174375},{"word":"you","start":646.65497,"end":646.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1449577808380127},{"word":"know","start":646.815,"end":646.975,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.14546164870262146},{"word":"it","start":646.975,"end":647.475,"confidence":0.9980469,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.1487617790699005},{"word":"just","start":647.68,"end":648.0,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1421286165714264},{"word":"under","start":648.0,"end":648.24,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.15634620189666748},{"word":"5,000","start":648.24,"end":648.96,"confidence":1.0,"punctuated_word":"5,000","sentiment":"neutral","sentiment_score":-0.1256372630596161},{"word":"becomes","start":648.96,"end":649.36005,"confidence":0.9560547,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":-0.10847234725952148},{"word":"6","start":649.36005,"end":649.68,"confidence":0.9970703,"punctuated_word":"6","sentiment":"neutral","sentiment_score":-0.17941643297672272},{"word":"and","start":649.68,"end":649.76,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16756117343902588},{"word":"a","start":649.76,"end":649.92004,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17068633437156677},{"word":"half","start":649.92004,"end":650.16003,"confidence":0.89331055,"punctuated_word":"half,","sentiment":"neutral","sentiment_score":-0.15405118465423584},{"word":"becomes","start":650.16003,"end":650.64,"confidence":0.9980469,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":-0.1328393518924713},{"word":"8","start":650.64,"end":651.04004,"confidence":0.9951172,"punctuated_word":"8,","sentiment":"neutral","sentiment_score":-0.16448889672756195},{"word":"becomes","start":651.04004,"end":651.44,"confidence":0.9980469,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":-0.1305270940065384},{"word":"10","start":651.44,"end":651.84,"confidence":0.99658203,"punctuated_word":"10,","sentiment":"neutral","sentiment_score":-0.12348714470863342},{"word":"becomes","start":651.84,"end":652.24,"confidence":0.99902344,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":-0.11750096082687378},{"word":"15","start":652.24,"end":652.74,"confidence":1.0,"punctuated_word":"15","sentiment":"neutral","sentiment_score":-0.18719860911369324},{"word":"over","start":653.2,"end":653.44,"confidence":0.93408203,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.12795522809028623},{"word":"the","start":653.44,"end":653.52,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11234122514724731},{"word":"next","start":653.52,"end":654.02,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.14060205221176147},{"word":"ten","start":654.08,"end":654.4,"confidence":0.8828125,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.10694006085395812},{"word":"years","start":654.4,"end":654.88,"confidence":0.89453125,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.1087595596909523},{"word":"and","start":654.88,"end":655.12,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06605222076177597},{"word":"before","start":655.12,"end":655.36005,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.07568582892417908},{"word":"you","start":655.36005,"end":655.44,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.059720639139413834},{"word":"know","start":655.44,"end":655.60004,"confidence":0.99316406,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06349192559719086},{"word":"it","start":655.60004,"end":655.68,"confidence":0.97631836,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.0409688837826252},{"word":"then","start":655.68,"end":655.84,"confidence":0.984375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.018196307122707367},{"word":"the","start":655.84,"end":656.0,"confidence":0.78271484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02255250513553619},{"word":"supercombing","start":656.0,"end":656.5,"confidence":0.4922689,"punctuated_word":"supercombing","sentiment":"neutral","sentiment_score":-0.012631159275770187},{"word":"backwards","start":656.56,"end":657.06,"confidence":0.99316406,"punctuated_word":"backwards.","sentiment":"neutral","sentiment_score":-0.014990108087658882},{"word":"through","start":673.55,"end":673.87,"confidence":0.91845703,"punctuated_word":"Through","sentiment":"neutral","sentiment_score":-0.1908431351184845},{"word":"the","start":673.87,"end":674.19,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16873043775558472},{"word":"fifties","start":674.19,"end":674.67,"confidence":0.9943034,"punctuated_word":"fifties","sentiment":"neutral","sentiment_score":-0.12191407382488252},{"word":"and","start":674.67,"end":674.83,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16903838515281677},{"word":"sixties","start":674.83,"end":675.31,"confidence":0.99902344,"punctuated_word":"sixties","sentiment":"neutral","sentiment_score":-0.10810378193855286},{"word":"is","start":675.31,"end":675.47,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0818561390042305},{"word":"when","start":675.47,"end":675.70996,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.05351860448718071},{"word":"it","start":675.70996,"end":675.87,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.17242339253425598},{"word":"starts","start":675.87,"end":676.19,"confidence":0.99902344,"punctuated_word":"starts","sentiment":"neutral","sentiment_score":-0.13035744428634644},{"word":"to","start":676.19,"end":676.26996,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1405312418937683},{"word":"become","start":676.26996,"end":676.58997,"confidence":1.0,"punctuated_word":"become","sentiment":"neutral","sentiment_score":-0.18572646379470825},{"word":"a","start":676.58997,"end":676.67,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2263321578502655},{"word":"bit","start":676.67,"end":676.83,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.21907402575016025},{"word":"of","start":676.83,"end":676.91,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.27734944224357605},{"word":"a","start":676.91,"end":677.07,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2718563377857208},{"word":"hockey","start":677.07,"end":677.39,"confidence":1.0,"punctuated_word":"hockey","sentiment":"neutral","sentiment_score":-0.1687651425600052},{"word":"stick","start":677.39,"end":677.89,"confidence":0.8178711,"punctuated_word":"stick,","sentiment":"neutral","sentiment_score":-0.18757304549217224},{"word":"and","start":678.11,"end":678.43,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1479276418685913},{"word":"that's","start":678.43,"end":678.67,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.14011716842651367},{"word":"what","start":678.67,"end":678.83,"confidence":0.9086914,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.09178264439105988},{"word":"i'm","start":678.83,"end":678.99,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03458961844444275},{"word":"saying","start":678.99,"end":679.23,"confidence":0.99902344,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.016704872250556946},{"word":"where","start":679.23,"end":679.39,"confidence":0.82714844,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.034584201872348785},{"word":"it","start":679.39,"end":679.47,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05076053738594055},{"word":"goes","start":679.47,"end":679.79,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.03573612868785858},{"word":"from","start":679.79,"end":680.02997,"confidence":0.9724121,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":-0.06724833697080612},{"word":"like","start":680.02997,"end":680.26996,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05437624827027321},{"word":"3","start":680.26996,"end":680.51,"confidence":1.0,"punctuated_word":"3","sentiment":"neutral","sentiment_score":-0.05299057066440582},{"word":"to","start":680.51,"end":680.75,"confidence":0.921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06316006928682327},{"word":"15,000","start":680.75,"end":681.63,"confidence":1.0,"punctuated_word":"15,000","sentiment":"neutral","sentiment_score":-0.04242425411939621},{"word":"a","start":681.63,"end":681.79,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.041100651025772095},{"word":"year","start":681.79,"end":682.19,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.03578568994998932},{"word":"over","start":682.19,"end":682.43,"confidence":0.9980469,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.018419161438941956},{"word":"a","start":682.43,"end":682.51,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08129013329744339},{"word":"ten","start":682.51,"end":682.75,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.03582870587706566},{"word":"year","start":682.75,"end":682.99,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.0026127025485038757},{"word":"period","start":682.99,"end":683.49,"confidence":0.9995117,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":-0.008781220763921738},{"word":"so","start":683.845,"end":684.165,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06431332975625992},{"word":"the","start":684.165,"end":684.245,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1289207637310028},{"word":"idea","start":684.245,"end":684.645,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.12514492869377136},{"word":"is","start":684.645,"end":685.145,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16137510538101196},{"word":"as","start":685.525,"end":685.685,"confidence":0.6635742,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.180824875831604},{"word":"you","start":685.685,"end":685.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18535545468330383},{"word":"pay","start":685.845,"end":686.085,"confidence":0.9921875,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.04505398869514465},{"word":"debt","start":686.085,"end":686.325,"confidence":0.8671875,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.11554943025112152},{"word":"down","start":686.325,"end":686.565,"confidence":0.99658203,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.13424286246299744},{"word":"you","start":686.565,"end":686.725,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11736341565847395},{"word":"can","start":686.725,"end":686.885,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10752636939287186},{"word":"trim","start":686.885,"end":687.045,"confidence":1.0,"punctuated_word":"trim","sentiment":"neutral","sentiment_score":0.007555097341537476},{"word":"it","start":687.045,"end":687.285,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.031120777130126953},{"word":"down","start":687.285,"end":687.765,"confidence":0.8671875,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.08916120231151581},{"word":"or","start":687.765,"end":688.005,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09303666651248932},{"word":"you","start":688.005,"end":688.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05346547067165375},{"word":"have","start":688.165,"end":688.325,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.005072951316833496},{"word":"to","start":688.325,"end":688.485,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0500386580824852},{"word":"shop","start":688.485,"end":688.805,"confidence":1.0,"punctuated_word":"shop","sentiment":"neutral","sentiment_score":-0.030636385083198547},{"word":"around","start":688.805,"end":689.045,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.018511399626731873},{"word":"every","start":689.045,"end":689.285,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.021280452609062195},{"word":"couple","start":689.285,"end":689.605,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.03867887705564499},{"word":"of","start":689.605,"end":689.685,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0007129460573196411},{"word":"years","start":689.685,"end":690.185,"confidence":0.99853516,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.0007300451397895813},{"word":"yes","start":705.78,"end":706.28,"confidence":0.81152344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.047274891287088394},{"word":"so","start":708.91504,"end":709.23505,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.009483873844146729},{"word":"i","start":709.23505,"end":709.395,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.051266446709632874},{"word":"need","start":709.395,"end":709.55505,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.028735801577568058},{"word":"to","start":709.55505,"end":709.715,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.030805960297584537},{"word":"do","start":709.715,"end":710.03503,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.007885769009590149},{"word":"a","start":710.03503,"end":710.195,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05090242624282837},{"word":"couple","start":710.195,"end":710.435,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.069093257188797},{"word":"of","start":710.435,"end":710.59503,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04492497444152832},{"word":"checks","start":710.59503,"end":710.91504,"confidence":1.0,"punctuated_word":"checks","sentiment":"neutral","sentiment_score":0.04000650346279144},{"word":"because","start":710.91504,"end":711.41504,"confidence":0.86279297,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.034180447459220886},{"word":"not","start":711.55505,"end":711.715,"confidence":0.99121094,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.049360305070877075},{"word":"only","start":711.715,"end":711.875,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.06403153389692307},{"word":"do","start":711.875,"end":712.03503,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07810274511575699},{"word":"we","start":712.03503,"end":712.195,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0048624128103256226},{"word":"do","start":712.195,"end":712.275,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.021744996309280396},{"word":"a","start":712.275,"end":712.35504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007500402629375458},{"word":"bit","start":712.35504,"end":712.515,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.02068924903869629},{"word":"of","start":712.515,"end":712.59503,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0352325439453125},{"word":"a","start":712.59503,"end":712.755,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02158438414335251},{"word":"trim","start":712.755,"end":712.99506,"confidence":0.92822266,"punctuated_word":"trim","sentiment":"neutral","sentiment_score":-0.057567447423934937},{"word":"down","start":712.99506,"end":713.49506,"confidence":0.9226074,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.01309659332036972},{"word":"i","start":713.715,"end":714.03503,"confidence":0.9614258,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02247101068496704},{"word":"can","start":714.03503,"end":714.435,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06408992409706116},{"word":"like","start":714.67505,"end":714.91504,"confidence":0.99072266,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05316074937582016},{"word":"it's","start":714.91504,"end":715.075,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.048680804669857025},{"word":"been","start":715.075,"end":715.23505,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.047206103801727295},{"word":"a","start":715.23505,"end":715.315,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.055724844336509705},{"word":"couple","start":715.315,"end":715.55505,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.012876942753791807},{"word":"of","start":715.55505,"end":715.715,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030461221933364868},{"word":"years","start":715.715,"end":716.215,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.06415802985429764},{"word":"just","start":716.275,"end":716.59503,"confidence":0.48583984,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05427925288677216},{"word":"about","start":716.59503,"end":717.09503,"confidence":0.9812012,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":0.04167472571134567},{"word":"i","start":717.635,"end":717.79504,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13819259405136108},{"word":"can","start":717.79504,"end":718.11505,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09313847124576569},{"word":"shop","start":718.11505,"end":718.35504,"confidence":0.9902344,"punctuated_word":"shop","sentiment":"neutral","sentiment_score":0.13832400739192963},{"word":"around","start":718.35504,"end":718.515,"confidence":0.96972656,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.1296432614326477},{"word":"and","start":718.515,"end":718.67505,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13613249361515045},{"word":"see","start":718.67505,"end":718.835,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13349094986915588},{"word":"if","start":718.835,"end":718.99506,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1775532066822052},{"word":"there's","start":718.99506,"end":719.155,"confidence":0.9980469,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1407078504562378},{"word":"someone","start":719.155,"end":719.47504,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.12291549891233444},{"word":"that's","start":719.47504,"end":719.635,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.13974156975746155},{"word":"more","start":719.635,"end":719.875,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1044498085975647},{"word":"affordable","start":719.875,"end":720.275,"confidence":1.0,"punctuated_word":"affordable","sentiment":"neutral","sentiment_score":0.08929325640201569},{"word":"there","start":720.275,"end":720.435,"confidence":0.98339844,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.15627357363700867},{"word":"like","start":720.435,"end":720.59503,"confidence":0.98339844,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.22342076897621155},{"word":"i","start":720.59503,"end":720.67505,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2336702048778534},{"word":"know","start":720.67505,"end":720.91504,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.30998602509498596},{"word":"metlife","start":720.91504,"end":721.41504,"confidence":0.9941406,"punctuated_word":"MetLife","sentiment":"positive","sentiment_score":0.3622291386127472},{"word":"did","start":721.47504,"end":721.635,"confidence":0.9902344,"punctuated_word":"did","sentiment":"positive","sentiment_score":0.372184693813324},{"word":"a","start":721.635,"end":721.79504,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.42713332176208496},{"word":"pretty","start":721.79504,"end":722.03503,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4718509614467621},{"word":"good","start":722.03503,"end":722.195,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.32837820053100586},{"word":"deal","start":722.195,"end":722.695,"confidence":1.0,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":0.31760406494140625},{"word":"initially","start":722.755,"end":723.255,"confidence":0.9645996,"punctuated_word":"initially.","sentiment":"neutral","sentiment_score":0.2760310769081116},{"word":"it","start":724.25,"end":724.41,"confidence":0.99121094,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.09265629947185516},{"word":"hasn't","start":724.41,"end":724.65,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":0.09387432783842088},{"word":"been","start":724.65,"end":724.89,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.04970268905162811},{"word":"long","start":724.89,"end":725.05,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.01197832077741623},{"word":"enough","start":725.05,"end":725.29,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.03865370154380798},{"word":"that","start":725.29,"end":725.45,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07636086642742157},{"word":"there","start":725.45,"end":725.53,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05411870032548904},{"word":"would","start":725.53,"end":725.77,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06498472392559052},{"word":"be","start":725.77,"end":725.93,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0593910813331604},{"word":"too","start":725.93,"end":726.09,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.03788769245147705},{"word":"many","start":726.09,"end":726.41,"confidence":0.9980469,"punctuated_word":"many,","sentiment":"neutral","sentiment_score":0.07025660574436188},{"word":"but","start":726.41,"end":726.65,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.09684120118618011},{"word":"i'm","start":726.65,"end":726.81,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.14811453223228457},{"word":"gonna","start":726.81,"end":727.13,"confidence":0.99121094,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.15869182348251343},{"word":"just","start":727.13,"end":727.37,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.162807434797287},{"word":"do","start":727.37,"end":727.53,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11329680681228638},{"word":"the","start":727.53,"end":727.69,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15890885889530182},{"word":"due","start":727.69,"end":727.85,"confidence":0.99902344,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.10813448578119278},{"word":"diligence","start":727.85,"end":728.35,"confidence":0.93310547,"punctuated_word":"diligence,","sentiment":"neutral","sentiment_score":0.12881861627101898},{"word":"research","start":728.97003,"end":729.45,"confidence":1.0,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.0961710959672928},{"word":"the","start":729.45,"end":729.61,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11192228645086288},{"word":"market","start":729.61,"end":730.01,"confidence":0.82421875,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":0.14309147000312805},{"word":"and","start":730.01,"end":730.17,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1268416941165924},{"word":"see","start":730.17,"end":730.67,"confidence":0.97436523,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.11973831057548524},{"word":"you","start":736.66504,"end":736.905,"confidence":0.5517578,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.057576775550842285},{"word":"can","start":736.905,"end":737.22504,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09776747971773148},{"word":"get","start":737.22504,"end":737.54504,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04690548777580261},{"word":"default","start":737.54504,"end":737.945,"confidence":0.9550781,"punctuated_word":"default","sentiment":"neutral","sentiment_score":-0.01997298002243042},{"word":"cover","start":737.945,"end":738.185,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.0013606548309326172},{"word":"when","start":738.185,"end":738.425,"confidence":0.98095703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0735124796628952},{"word":"you","start":738.425,"end":738.585,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0548209622502327},{"word":"apply","start":738.585,"end":738.825,"confidence":1.0,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.04090217500925064},{"word":"for","start":738.825,"end":738.98505,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05601675063371658},{"word":"an","start":738.98505,"end":739.145,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.041971102356910706},{"word":"account","start":739.145,"end":739.465,"confidence":0.72302246,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.05446884408593178},{"word":"like","start":739.465,"end":739.945,"confidence":0.9108887,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08737166225910187},{"word":"within","start":739.945,"end":740.34503,"confidence":0.7363281,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.05894988030195236},{"word":"sixty","start":740.34503,"end":740.66504,"confidence":0.86621094,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.0759686678647995},{"word":"days","start":740.66504,"end":740.905,"confidence":0.8063965,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":0.060046177357435226},{"word":"you","start":740.905,"end":741.065,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07713538408279419},{"word":"can","start":741.065,"end":741.145,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10670292377471924},{"word":"get","start":741.145,"end":741.225,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1006518453359604},{"word":"a","start":741.225,"end":741.305,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06516827642917633},{"word":"bit","start":741.305,"end":741.465,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09509138017892838},{"word":"of","start":741.465,"end":741.705,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08948606252670288},{"word":"a","start":741.705,"end":741.78503,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06208620965480805},{"word":"default","start":741.78503,"end":742.185,"confidence":1.0,"punctuated_word":"default","sentiment":"neutral","sentiment_score":0.013253778219223022},{"word":"cover","start":742.185,"end":742.505,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.05420490354299545},{"word":"added","start":742.505,"end":742.825,"confidence":0.8642578,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.08571924269199371},{"word":"there","start":742.825,"end":743.305,"confidence":0.79589844,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.01500563696026802},{"word":"but","start":743.305,"end":743.54504,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.02096278965473175},{"word":"the","start":743.54504,"end":743.705,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10264483094215392},{"word":"main","start":743.705,"end":743.865,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.0895640179514885},{"word":"one","start":743.865,"end":744.10504,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.12112107872962952},{"word":"for","start":744.10504,"end":744.265,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.14140832424163818},{"word":"you","start":744.265,"end":744.425,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11476950347423552},{"word":"at","start":744.425,"end":744.505,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.16727158427238464},{"word":"the","start":744.505,"end":744.585,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1710209846496582},{"word":"moment","start":744.585,"end":744.905,"confidence":0.99609375,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.13506051898002625},{"word":"the","start":744.905,"end":745.065,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0950608178973198},{"word":"kicker","start":745.065,"end":745.385,"confidence":0.99902344,"punctuated_word":"kicker","sentiment":"neutral","sentiment_score":-0.1184588074684143},{"word":"is","start":745.385,"end":745.54504,"confidence":0.80371094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.18196827173233032},{"word":"the","start":745.54504,"end":745.625,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.199674129486084},{"word":"income","start":745.625,"end":746.025,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.24994270503520968},{"word":"protection","start":746.025,"end":746.525,"confidence":0.9980469,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":-0.2431693971157074},{"word":"that's","start":746.905,"end":747.22504,"confidence":1.0,"punctuated_word":"That's","sentiment":"negative","sentiment_score":-0.42033982276916504},{"word":"kind","start":747.22504,"end":747.465,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.4758666455745697},{"word":"of","start":747.465,"end":747.625,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4626086056232453},{"word":"your","start":747.625,"end":747.78503,"confidence":0.99902344,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.5367662906646729},{"word":"most","start":747.78503,"end":748.10504,"confidence":1.0,"punctuated_word":"most","sentiment":"negative","sentiment_score":-0.46815747022628784},{"word":"expensive","start":748.10504,"end":748.585,"confidence":1.0,"punctuated_word":"expensive","sentiment":"negative","sentiment_score":-0.4020329713821411},{"word":"one","start":748.585,"end":749.085,"confidence":0.99902344,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.3060198128223419},{"word":"yeah","start":757.35,"end":757.82996,"confidence":0.9658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015368975698947906},{"word":"yeah","start":757.82996,"end":758.32996,"confidence":0.8395996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04512723162770271},{"word":"there","start":773.205,"end":773.525,"confidence":0.68603516,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.029850175604224205},{"word":"there","start":773.525,"end":773.685,"confidence":0.4440918,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.010866966098546982},{"word":"is","start":773.685,"end":773.845,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.030181720852851868},{"word":"a","start":773.845,"end":773.925,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.017813129350543022},{"word":"bit","start":773.925,"end":774.085,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04084218665957451},{"word":"of","start":774.085,"end":774.165,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.049222204834222794},{"word":"a","start":774.165,"end":774.325,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06169841438531875},{"word":"trade","start":774.325,"end":774.565,"confidence":1.0,"punctuated_word":"trade","sentiment":"neutral","sentiment_score":-0.08276583254337311},{"word":"off","start":774.565,"end":774.805,"confidence":0.99316406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.05351243168115616},{"word":"that","start":774.805,"end":775.125,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01893416792154312},{"word":"you","start":775.125,"end":775.285,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02161860466003418},{"word":"can","start":775.285,"end":775.605,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.004079386591911316},{"word":"consider","start":775.605,"end":776.005,"confidence":0.9067383,"punctuated_word":"consider,","sentiment":"neutral","sentiment_score":-0.045671798288822174},{"word":"and","start":776.005,"end":776.165,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.024035774171352383},{"word":"it's","start":776.165,"end":776.325,"confidence":0.99365234,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.004084612242877483},{"word":"it's","start":776.325,"end":776.58,"confidence":0.8256836,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0028911358676850796},{"word":"purely","start":776.74,"end":777.06,"confidence":1.0,"punctuated_word":"purely","sentiment":"neutral","sentiment_score":-0.007819630205631256},{"word":"up","start":777.06,"end":777.14,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03279707580804825},{"word":"to","start":777.14,"end":777.3,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03746394068002701},{"word":"you","start":777.3,"end":777.54004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023414477705955505},{"word":"here","start":777.54004,"end":778.04004,"confidence":0.85424805,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.0014726892113685608},{"word":"is","start":778.26,"end":778.58,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.013699889183044434},{"word":"you","start":778.58,"end":778.74,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008472494781017303},{"word":"can","start":778.74,"end":779.06,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02133329212665558},{"word":"adjust","start":779.06,"end":779.38,"confidence":1.0,"punctuated_word":"adjust","sentiment":"neutral","sentiment_score":0.001870185136795044},{"word":"the","start":779.38,"end":779.54004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04735555872321129},{"word":"waiting","start":779.54004,"end":779.86005,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.026821382343769073},{"word":"periods","start":779.86005,"end":780.18,"confidence":0.9560547,"punctuated_word":"periods","sentiment":"neutral","sentiment_score":-0.05618378147482872},{"word":"and","start":780.18,"end":780.34,"confidence":0.91845703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06420767307281494},{"word":"the","start":780.34,"end":780.5,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.061344217509031296},{"word":"benefit","start":780.5,"end":780.9,"confidence":0.9980469,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.057416316121816635},{"word":"periods","start":780.9,"end":781.4,"confidence":0.9904785,"punctuated_word":"periods.","sentiment":"neutral","sentiment_score":-0.031990498304367065},{"word":"so","start":781.7,"end":782.10004,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.009301744401454926},{"word":"what's","start":782.10004,"end":782.5,"confidence":0.99902344,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.011504835449159144},{"word":"possible","start":782.5,"end":783.0,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.02217172086238861},{"word":"is","start":783.3,"end":783.62,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06082490459084511},{"word":"if","start":783.62,"end":783.7,"confidence":0.9873047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01773921027779579},{"word":"you","start":783.7,"end":783.86005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.001754656434059143},{"word":"go","start":783.86005,"end":784.10004,"confidence":0.95214844,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":-0.01835371181368828},{"word":"okay","start":784.10004,"end":784.34,"confidence":0.8117676,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.008217612281441689},{"word":"if","start":784.34,"end":784.58,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.03137786686420441},{"word":"i'm","start":784.58,"end":784.74,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08261942863464355},{"word":"out","start":784.74,"end":784.9,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1290065050125122},{"word":"of","start":784.9,"end":784.98004,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17203998565673828},{"word":"work","start":784.98004,"end":785.22003,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.2078757882118225},{"word":"for","start":785.22003,"end":785.3,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.15540975332260132},{"word":"a","start":785.3,"end":785.46,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1093287244439125},{"word":"month","start":785.46,"end":785.78,"confidence":0.99902344,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":-0.08549872785806656},{"word":"this","start":785.78,"end":785.94,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0994652658700943},{"word":"will","start":785.94,"end":786.10004,"confidence":0.99316406,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.03278065472841263},{"word":"kick","start":786.10004,"end":786.26,"confidence":1.0,"punctuated_word":"kick","sentiment":"neutral","sentiment_score":-0.05015535652637482},{"word":"in","start":786.26,"end":786.74,"confidence":0.9321289,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.07049399614334106},{"word":"but","start":786.74,"end":786.9,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.005941711366176605},{"word":"if","start":786.9,"end":787.06,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05996152758598328},{"word":"you've","start":787.06,"end":787.22003,"confidence":0.8937988,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.06509239971637726},{"word":"got","start":787.22003,"end":787.38,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10169796645641328},{"word":"some","start":787.38,"end":787.62,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10019077360630035},{"word":"savings","start":787.62,"end":788.10004,"confidence":1.0,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.02935248613357544},{"word":"built","start":788.10004,"end":788.42004,"confidence":0.99902344,"punctuated_word":"built","sentiment":"neutral","sentiment_score":0.19974285364151},{"word":"up","start":788.42004,"end":788.66003,"confidence":1.0,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.16636371612548828},{"word":"you","start":788.66003,"end":788.74,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1870572566986084},{"word":"can","start":788.74,"end":789.06,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17820502817630768},{"word":"extend","start":789.06,"end":789.46,"confidence":0.9970703,"punctuated_word":"extend","sentiment":"neutral","sentiment_score":0.19631056487560272},{"word":"it","start":789.46,"end":789.62,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12173602730035782},{"word":"out","start":789.62,"end":789.78,"confidence":0.9941406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.08434556424617767},{"word":"to","start":789.78,"end":789.94,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07732054591178894},{"word":"sixty","start":789.94,"end":790.34,"confidence":0.99902344,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.13004112243652344},{"word":"or","start":790.34,"end":790.5,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10192210227251051},{"word":"ninety","start":790.5,"end":790.82,"confidence":1.0,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.0684763640165329},{"word":"days","start":790.82,"end":791.32,"confidence":0.9650879,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.0547722801566124},{"word":"and","start":791.405,"end":791.565,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0970664694905281},{"word":"that","start":791.565,"end":791.72504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07852396368980408},{"word":"reduces","start":791.72504,"end":792.22504,"confidence":1.0,"punctuated_word":"reduces","sentiment":"neutral","sentiment_score":-0.001519523561000824},{"word":"it","start":792.28503,"end":792.525,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02820873260498047},{"word":"quite","start":792.525,"end":792.685,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.01867441833019257},{"word":"heavily","start":792.685,"end":793.185,"confidence":0.984375,"punctuated_word":"heavily.","sentiment":"neutral","sentiment_score":0.007311038672924042},{"word":"and","start":793.645,"end":793.885,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05470488220453262},{"word":"then","start":793.885,"end":794.045,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09433895349502563},{"word":"you've","start":794.045,"end":794.28503,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.10111137479543686},{"word":"got","start":794.28503,"end":794.445,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1257452666759491},{"word":"the","start":794.445,"end":794.60504,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10944432020187378},{"word":"option","start":794.60504,"end":794.925,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.08533607423305511},{"word":"to","start":794.925,"end":795.085,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04997420310974121},{"word":"reduce","start":795.085,"end":795.325,"confidence":1.0,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.02537946030497551},{"word":"the","start":795.325,"end":795.485,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0580088347196579},{"word":"benefit","start":795.485,"end":795.965,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.11570079624652864},{"word":"period","start":795.965,"end":796.28503,"confidence":0.99902344,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.030574515461921692},{"word":"per","start":796.28503,"end":796.60504,"confidence":0.9902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.07099229842424393},{"word":"injury","start":796.60504,"end":796.925,"confidence":0.9980469,"punctuated_word":"injury","sentiment":"neutral","sentiment_score":-0.058234624564647675},{"word":"from","start":796.925,"end":797.245,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.03842392936348915},{"word":"five","start":797.245,"end":797.485,"confidence":0.9892578,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.02737000584602356},{"word":"years","start":797.485,"end":797.72504,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.013262145221233368},{"word":"to","start":797.72504,"end":797.965,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00570300966501236},{"word":"two","start":797.965,"end":798.125,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.01200723648071289},{"word":"years","start":798.125,"end":798.625,"confidence":0.923584,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.03707857057452202},{"word":"so","start":799.565,"end":799.72504,"confidence":0.7597656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.027361121028661728},{"word":"it's","start":799.72504,"end":799.885,"confidence":0.9736328,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03337701037526131},{"word":"more","start":799.885,"end":800.125,"confidence":0.82177734,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.07737404853105545},{"word":"like","start":800.125,"end":800.365,"confidence":0.7441406,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0796244889497757},{"word":"short","start":800.365,"end":800.685,"confidence":0.98828125,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.09226711094379424},{"word":"term","start":800.685,"end":801.185,"confidence":0.96655273,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":-0.09456733614206314},{"word":"yep","start":819.995,"end":820.495,"confidence":0.77319336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09397303313016891},{"word":"so","start":821.595,"end":821.915,"confidence":0.9013672,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07929286360740662},{"word":"if","start":821.915,"end":822.07495,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09419330954551695},{"word":"you","start":822.07495,"end":822.235,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03482683002948761},{"word":"want","start":822.235,"end":822.735,"confidence":0.99853516,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":0.03706161677837372},{"word":"i","start":822.875,"end":823.115,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05857394263148308},{"word":"will","start":823.115,"end":823.355,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.03965093940496445},{"word":"look","start":823.355,"end":823.595,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02740843966603279},{"word":"at","start":823.595,"end":823.675,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.020345665514469147},{"word":"a","start":823.675,"end":823.755,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.017242250964045525},{"word":"bit","start":823.755,"end":823.915,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.01045721024274826},{"word":"of","start":823.915,"end":824.07495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01494963839650154},{"word":"a","start":824.07495,"end":824.15497,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0261541698127985},{"word":"reduction","start":824.15497,"end":824.65497,"confidence":1.0,"punctuated_word":"reduction","sentiment":"neutral","sentiment_score":-0.018578335642814636},{"word":"of","start":824.71497,"end":824.795,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07518582046031952},{"word":"the","start":824.795,"end":824.95496,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07462696731090546},{"word":"life","start":824.95496,"end":825.195,"confidence":0.98291016,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.0738697499036789},{"word":"in","start":825.195,"end":825.355,"confidence":0.5336914,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0578560046851635},{"word":"tpd","start":825.355,"end":825.83496,"confidence":0.954834,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.01571367308497429},{"word":"to","start":825.83496,"end":825.995,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02786897122859955},{"word":"500,000","start":825.995,"end":826.95496,"confidence":1.0,"punctuated_word":"500,000","sentiment":"neutral","sentiment_score":0.022585857659578323},{"word":"flat","start":826.95496,"end":827.45496,"confidence":0.9367676,"punctuated_word":"flat,","sentiment":"neutral","sentiment_score":0.01697317324578762},{"word":"and","start":827.675,"end":827.915,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01568717509508133},{"word":"then","start":827.915,"end":828.415,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04962757974863053},{"word":"we","start":828.635,"end":828.795,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.022424492985010147},{"word":"can","start":828.795,"end":829.035,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0291292667388916},{"word":"revisit","start":829.035,"end":829.535,"confidence":1.0,"punctuated_word":"revisit","sentiment":"neutral","sentiment_score":0.009298518300056458},{"word":"altering","start":830.85004,"end":831.33,"confidence":0.99902344,"punctuated_word":"altering","sentiment":"neutral","sentiment_score":0.014197256416082382},{"word":"the","start":831.33,"end":831.57,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.021239962428808212},{"word":"income","start":831.57,"end":831.89,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.0199749618768692},{"word":"protection","start":831.89,"end":832.39,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.0002530142664909363},{"word":"next","start":832.77,"end":833.09,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.00021132826805114743},{"word":"year","start":833.09,"end":833.59,"confidence":0.98657227,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.03437048941850662},{"word":"k","start":835.89,"end":836.39,"confidence":0.7492676,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.14613020420074463},{"word":"i","start":836.69,"end":836.85004,"confidence":0.8857422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16584841907024384},{"word":"still","start":836.85004,"end":837.09,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1482929140329361},{"word":"will","start":837.09,"end":837.25,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11742106825113297},{"word":"just","start":837.25,"end":837.41003,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13124416768550873},{"word":"do","start":837.41003,"end":837.57,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12864983081817627},{"word":"a","start":837.57,"end":837.65,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14950142800807953},{"word":"bit","start":837.65,"end":837.81,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12177519500255583},{"word":"of","start":837.81,"end":837.89,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14940974116325378},{"word":"a","start":837.89,"end":837.97003,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1320916712284088},{"word":"search","start":837.97003,"end":838.29004,"confidence":1.0,"punctuated_word":"search","sentiment":"neutral","sentiment_score":0.10992860049009325},{"word":"on","start":838.29004,"end":838.45,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11106514930725098},{"word":"providers","start":838.45,"end":838.95,"confidence":1.0,"punctuated_word":"providers","sentiment":"neutral","sentiment_score":0.09366343915462494},{"word":"because","start":839.01,"end":839.25,"confidence":0.71972656,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.15611779689788818},{"word":"if","start":839.25,"end":839.41003,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.22934836149215695},{"word":"i","start":839.41003,"end":839.57,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2355390042066574},{"word":"see","start":839.57,"end":839.81,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.31279850006103516},{"word":"something","start":839.81,"end":840.13,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.2415637969970703},{"word":"amazing","start":840.13,"end":840.45,"confidence":0.79296875,"punctuated_word":"amazing,","sentiment":"neutral","sentiment_score":0.3171984553337097},{"word":"that's","start":840.45,"end":840.69,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.33087027072906494},{"word":"like","start":840.69,"end":840.85004,"confidence":0.6147461,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2811325490474701},{"word":"a","start":840.85004,"end":841.01,"confidence":0.9873047,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3606516718864441},{"word":"40%","start":841.01,"end":841.97003,"confidence":0.9848633,"punctuated_word":"40%","sentiment":"neutral","sentiment_score":0.33076444268226624},{"word":"savings","start":841.97003,"end":842.37,"confidence":0.76953125,"punctuated_word":"savings.","sentiment":"neutral","sentiment_score":0.2240614891052246},{"word":"i'll","start":842.37,"end":842.53,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.18034908175468445},{"word":"bring","start":842.53,"end":842.69,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.18808110058307648},{"word":"it","start":842.69,"end":842.85004,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2058734893798828},{"word":"up","start":842.85004,"end":843.01,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.16081644594669342},{"word":"with","start":843.01,"end":843.17004,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16409288346767426},{"word":"you","start":843.17004,"end":843.495,"confidence":0.9609375,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17231127619743347},{"word":"but","start":843.575,"end":843.735,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07102285325527191},{"word":"if","start":843.735,"end":843.975,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.012820303440093994},{"word":"not","start":843.975,"end":844.21497,"confidence":0.99902344,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":-0.031110569834709167},{"word":"i'm","start":844.21497,"end":844.375,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.007724560797214508},{"word":"just","start":844.375,"end":844.535,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.012545429170131683},{"word":"gonna","start":844.535,"end":844.775,"confidence":0.9760742,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.019445408135652546},{"word":"do","start":844.775,"end":844.935,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.018531136214733124},{"word":"an","start":844.935,"end":845.095,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.010350018739700316},{"word":"alteration","start":845.095,"end":845.595,"confidence":1.0,"punctuated_word":"alteration","sentiment":"neutral","sentiment_score":0.029974859207868576},{"word":"with","start":845.735,"end":846.055,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.001086011528968811},{"word":"metlife","start":846.055,"end":846.535,"confidence":0.99902344,"punctuated_word":"MetLife","sentiment":"neutral","sentiment_score":0.060240380465984344},{"word":"because","start":846.535,"end":846.775,"confidence":0.8330078,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.021915234625339508},{"word":"there's","start":846.775,"end":847.095,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.012390139512717724},{"word":"no","start":847.095,"end":847.335,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.0008959025144577026},{"word":"you","start":847.735,"end":847.895,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04630567133426666},{"word":"you","start":847.895,"end":848.055,"confidence":0.97998047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019573435187339783},{"word":"sign","start":848.055,"end":848.295,"confidence":0.96435547,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.10105154663324356},{"word":"the","start":848.295,"end":848.375,"confidence":0.5332031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04277791082859039},{"word":"letter","start":848.375,"end":848.615,"confidence":0.9375,"punctuated_word":"letter","sentiment":"neutral","sentiment_score":-0.04565659910440445},{"word":"saying","start":848.615,"end":848.855,"confidence":0.9921875,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.05616564303636551},{"word":"trim","start":848.855,"end":849.015,"confidence":0.9116211,"punctuated_word":"trim","sentiment":"neutral","sentiment_score":-0.07278713583946228},{"word":"it","start":849.015,"end":849.095,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01965256035327911},{"word":"down","start":849.095,"end":849.335,"confidence":0.82470703,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.0033735521137714386},{"word":"they","start":849.335,"end":849.495,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.021743446588516235},{"word":"just","start":849.495,"end":849.65497,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.026192478835582733},{"word":"do","start":849.65497,"end":849.735,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.017605826258659363},{"word":"it","start":849.735,"end":849.895,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01517815887928009},{"word":"straight","start":849.895,"end":850.055,"confidence":0.99902344,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":-0.01324625313282013},{"word":"away","start":850.055,"end":850.375,"confidence":0.92163086,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":-0.01076086238026619},{"word":"there's","start":850.375,"end":850.535,"confidence":1.0,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.04693230241537094},{"word":"no","start":850.535,"end":850.775,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.04156756028532982},{"word":"applications","start":850.775,"end":851.275,"confidence":0.99902344,"punctuated_word":"applications","sentiment":"neutral","sentiment_score":-0.021063633263111115},{"word":"and","start":851.495,"end":851.735,"confidence":0.9375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03372547775506973},{"word":"underwriting","start":851.735,"end":852.235,"confidence":1.0,"punctuated_word":"underwriting","sentiment":"neutral","sentiment_score":-0.0258642490953207},{"word":"and","start":852.295,"end":852.455,"confidence":0.9316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008313596248626709},{"word":"health","start":852.455,"end":852.775,"confidence":0.99902344,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.004177019000053406},{"word":"checks","start":852.775,"end":853.015,"confidence":1.0,"punctuated_word":"checks","sentiment":"neutral","sentiment_score":0.01820426806807518},{"word":"and","start":853.015,"end":853.175,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00591403990983963},{"word":"all","start":853.175,"end":853.335,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.01648729294538498},{"word":"that","start":853.335,"end":853.495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03412274271249771},{"word":"kind","start":853.495,"end":853.735,"confidence":0.8647461,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.026291772723197937},{"word":"of","start":853.735,"end":853.815,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.026668190956115723},{"word":"thing","start":853.815,"end":854.315,"confidence":0.9416504,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.00009460747241973876},{"word":"but","start":854.375,"end":854.535,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.024652883410453796},{"word":"if","start":854.535,"end":854.775,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02102786675095558},{"word":"there's","start":854.775,"end":855.015,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.003505699336528778},{"word":"a","start":855.015,"end":855.255,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00020461902022361755},{"word":"big","start":855.255,"end":855.495,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.0026878565549850464},{"word":"difference","start":855.495,"end":855.995,"confidence":0.9995117,"punctuated_word":"difference,","sentiment":"neutral","sentiment_score":-0.015514735132455826},{"word":"i","start":856.135,"end":856.21497,"confidence":0.93115234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0966174528002739},{"word":"will","start":856.21497,"end":856.615,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07227558642625809},{"word":"flag","start":856.615,"end":856.855,"confidence":1.0,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":0.03883357718586922},{"word":"it","start":856.855,"end":857.095,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0326617956161499},{"word":"for","start":857.095,"end":857.175,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.035187914967536926},{"word":"you","start":857.175,"end":857.64,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.04032468423247337},{"word":"yeah","start":864.28,"end":864.76,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07073836028575897},{"word":"it's","start":864.76,"end":865.16003,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.09228821098804474},{"word":"$5.04","start":865.16003,"end":865.88,"confidence":0.9211426,"punctuated_word":"$5.04","sentiment":"neutral","sentiment_score":0.13921046257019043},{"word":"gross","start":865.88,"end":866.2,"confidence":0.88623047,"punctuated_word":"gross,","sentiment":"neutral","sentiment_score":0.1121274009346962},{"word":"and","start":866.2,"end":866.36,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07254523783922195},{"word":"then","start":866.36,"end":866.52,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.072895348072052},{"word":"the","start":866.52,"end":866.68,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14815574884414673},{"word":"15%","start":866.68,"end":867.4,"confidence":1.0,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.2214312106370926},{"word":"rebate","start":867.4,"end":867.9,"confidence":1.0,"punctuated_word":"rebate","sentiment":"neutral","sentiment_score":0.2278366982936859},{"word":"drops","start":867.96,"end":868.28,"confidence":1.0,"punctuated_word":"drops","sentiment":"neutral","sentiment_score":0.0802445188164711},{"word":"it","start":868.28,"end":868.44,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08492779731750488},{"word":"down","start":868.44,"end":868.76,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.09531165659427644},{"word":"to","start":868.76,"end":869.26,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06709568947553635},{"word":"$4.05","start":871.045,"end":871.605,"confidence":0.9819336,"punctuated_word":"$4.05","sentiment":"neutral","sentiment_score":0.11044051498174667},{"word":"sorry","start":871.925,"end":872.245,"confidence":0.64575195,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.043898485600948334},{"word":"4","start":872.245,"end":872.565,"confidence":0.9980469,"punctuated_word":"4","sentiment":"neutral","sentiment_score":0.06939142942428589},{"word":"6","start":872.565,"end":873.065,"confidence":0.99316406,"punctuated_word":"6.","sentiment":"neutral","sentiment_score":0.08142739534378052},{"word":"yep","start":895.715,"end":896.215,"confidence":0.8342285,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26015394926071167},{"word":"they're","start":913.00995,"end":913.32996,"confidence":0.86938477,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.1096813976764679},{"word":"just","start":913.32996,"end":913.64996,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10357864201068878},{"word":"increasing","start":913.64996,"end":914.12994,"confidence":1.0,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.19006870687007904},{"word":"to","start":914.12994,"end":914.37,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.200647234916687},{"word":"32","start":914.37,"end":914.85,"confidence":1.0,"punctuated_word":"32","sentiment":"neutral","sentiment_score":0.198411226272583},{"word":"and","start":914.85,"end":915.00995,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17914021015167236},{"word":"a","start":915.00995,"end":915.08997,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22605907917022705},{"word":"half","start":915.08997,"end":915.41,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.2131693959236145},{"word":"next","start":915.41,"end":915.73,"confidence":0.9941406,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1627106815576553},{"word":"financial","start":915.73,"end":916.20996,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.15826329588890076},{"word":"year","start":916.20996,"end":916.70996,"confidence":0.9980469,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.1701819896697998},{"word":"yeah","start":921.825,"end":922.14496,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1098739206790924},{"word":"exactly","start":922.14496,"end":922.64496,"confidence":0.9760742,"punctuated_word":"Exactly","sentiment":"neutral","sentiment_score":0.1285623461008072},{"word":"right","start":922.785,"end":923.285,"confidence":0.90771484,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.12263596057891846},{"word":"no","start":927.58496,"end":927.90497,"confidence":0.88549805,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07453795522451401},{"word":"so","start":927.90497,"end":928.14496,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06396996974945068},{"word":"anything","start":928.14496,"end":928.625,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.05362234264612198},{"word":"above","start":928.625,"end":929.02496,"confidence":1.0,"punctuated_word":"above","sentiment":"neutral","sentiment_score":-0.08472316712141037},{"word":"that","start":929.02496,"end":929.345,"confidence":0.99609375,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.08645039796829224},{"word":"they","start":929.345,"end":929.505,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.10656265169382095},{"word":"look","start":929.505,"end":929.745,"confidence":0.9902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.06553180515766144},{"word":"back","start":929.745,"end":930.0,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.022964902222156525},{"word":"five","start":930.0,"end":930.32,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.05831106007099152},{"word":"years","start":930.32,"end":930.48,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.013507850468158722},{"word":"to","start":930.48,"end":930.64,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.045723676681518555},{"word":"see","start":930.64,"end":930.88,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.03046366572380066},{"word":"if","start":930.88,"end":930.96,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.052614256739616394},{"word":"there's","start":930.96,"end":931.12,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.08119775354862213},{"word":"any","start":931.12,"end":931.36,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.07051980495452881},{"word":"cap","start":931.36,"end":931.52,"confidence":0.99609375,"punctuated_word":"cap","sentiment":"neutral","sentiment_score":-0.07528579980134964},{"word":"that","start":931.52,"end":931.68,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13450376689434052},{"word":"you've","start":931.68,"end":931.92,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.12132274359464644},{"word":"unused","start":931.92,"end":932.32,"confidence":0.78271484,"punctuated_word":"unused.","sentiment":"neutral","sentiment_score":-0.09276551008224489},{"word":"and","start":932.32,"end":932.48,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05151604115962982},{"word":"then","start":932.48,"end":932.64,"confidence":0.9892578,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.02884281426668167},{"word":"outside","start":932.64,"end":932.96,"confidence":0.9951172,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.07257118821144104},{"word":"of","start":932.96,"end":933.04,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07030069828033447},{"word":"that","start":933.04,"end":933.2,"confidence":0.99902344,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.059910207986831665},{"word":"they","start":933.2,"end":933.36,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.07046649605035782},{"word":"start","start":933.36,"end":933.6,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.07194805145263672},{"word":"hitting","start":933.6,"end":933.84,"confidence":0.9980469,"punctuated_word":"hitting","sentiment":"neutral","sentiment_score":-0.029832717031240463},{"word":"you","start":933.84,"end":934.0,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04222647100687027},{"word":"at","start":934.0,"end":934.08,"confidence":0.88183594,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03683817386627197},{"word":"that","start":934.08,"end":934.24,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007607229053974152},{"word":"marginal","start":934.24,"end":934.72,"confidence":0.99902344,"punctuated_word":"marginal","sentiment":"neutral","sentiment_score":-0.009262554347515106},{"word":"rate","start":934.72,"end":935.22,"confidence":0.99316406,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.020659729838371277},{"word":"with","start":935.68,"end":935.92,"confidence":0.96777344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.028826430439949036},{"word":"the","start":935.92,"end":936.0,"confidence":0.86621094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06982135027647018},{"word":"15","start":936.0,"end":936.4,"confidence":0.99902344,"punctuated_word":"15","sentiment":"neutral","sentiment_score":0.11074904352426528},{"word":"percent","start":936.4,"end":936.64,"confidence":1.0,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.12688422203063965},{"word":"offset","start":936.64,"end":937.14,"confidence":0.98535156,"punctuated_word":"offset.","sentiment":"neutral","sentiment_score":0.05004985257983208},{"word":"we","start":944.495,"end":944.575,"confidence":0.63134766,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.06111044064164162},{"word":"can","start":944.575,"end":944.815,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2195371389389038},{"word":"help","start":944.815,"end":944.97504,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.26209694147109985},{"word":"with","start":944.97504,"end":945.135,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.25609755516052246},{"word":"it","start":945.135,"end":945.375,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1604819893836975},{"word":"the","start":945.375,"end":945.53503,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.14614906907081604},{"word":"only","start":945.53503,"end":945.695,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.0735425353050232},{"word":"thing","start":945.695,"end":945.85504,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.11110052466392516},{"word":"that","start":945.85504,"end":946.09503,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08518427610397339},{"word":"i","start":946.09503,"end":946.255,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12975507974624634},{"word":"need","start":946.255,"end":946.495,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1265261173248291},{"word":"from","start":946.495,"end":946.735,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08238554000854492},{"word":"you","start":946.735,"end":947.055,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.131032794713974},{"word":"is","start":947.055,"end":947.555,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10753108561038972},{"word":"if","start":947.935,"end":948.09503,"confidence":0.6875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.172776460647583},{"word":"you","start":948.09503,"end":948.175,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15964379906654358},{"word":"go","start":948.175,"end":948.335,"confidence":0.8510742,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.14381811022758484},{"word":"on","start":948.335,"end":948.495,"confidence":0.8852539,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16345606744289398},{"word":"your","start":948.495,"end":948.655,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1549130380153656},{"word":"mygov","start":948.655,"end":949.155,"confidence":0.8046875,"punctuated_word":"myGov,","sentiment":"neutral","sentiment_score":0.13343797624111176},{"word":"they","start":949.615,"end":949.85504,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1411207914352417},{"word":"have","start":949.85504,"end":950.175,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2030542641878128},{"word":"a","start":950.175,"end":950.335,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16262587904930115},{"word":"section","start":950.335,"end":950.735,"confidence":0.93115234,"punctuated_word":"section","sentiment":"neutral","sentiment_score":0.16407692432403564},{"word":"there","start":950.735,"end":950.895,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1743054240942001},{"word":"that","start":950.895,"end":951.135,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20542842149734497},{"word":"will","start":951.135,"end":951.29504,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.167765811085701},{"word":"literally","start":951.29504,"end":951.695,"confidence":0.9873047,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.17362914979457855},{"word":"tell","start":951.695,"end":951.85504,"confidence":1.0,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.14416095614433289},{"word":"you","start":951.85504,"end":952.255,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12769706547260284},{"word":"you","start":952.255,"end":952.41504,"confidence":0.70996094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13710980117321014},{"word":"have","start":952.41504,"end":952.575,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14739933609962463},{"word":"this","start":952.575,"end":952.815,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.15575572848320007},{"word":"much","start":952.815,"end":953.055,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.10888469219207764},{"word":"to","start":953.055,"end":953.135,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1535281389951706},{"word":"use","start":953.135,"end":953.375,"confidence":1.0,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.16400867700576782},{"word":"the","start":953.375,"end":953.53503,"confidence":0.8618164,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08092927932739258},{"word":"last","start":953.53503,"end":953.85504,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.08120507746934891},{"word":"five","start":953.85504,"end":954.09503,"confidence":0.99316406,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.09627364575862885},{"word":"financial","start":954.09503,"end":954.575,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.10799497365951538},{"word":"years","start":954.575,"end":955.075,"confidence":0.95654297,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.13201099634170532},{"word":"and","start":955.375,"end":955.695,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18764539062976837},{"word":"they'll","start":955.695,"end":955.935,"confidence":0.9980469,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.2136383950710297},{"word":"break","start":955.935,"end":956.175,"confidence":0.98828125,"punctuated_word":"break","sentiment":"neutral","sentiment_score":0.22651776671409607},{"word":"down","start":956.175,"end":956.41504,"confidence":0.98828125,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2123940736055374},{"word":"every","start":956.41504,"end":956.655,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.1972649097442627},{"word":"year","start":956.655,"end":956.895,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1569894701242447},{"word":"for","start":956.895,"end":957.055,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21917422115802765},{"word":"you","start":957.055,"end":957.45,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17407755553722382},{"word":"so","start":957.69,"end":957.93,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2333276569843292},{"word":"i","start":957.93,"end":958.17,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3233518600463867},{"word":"can","start":958.17,"end":958.41003,"confidence":0.51904297,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.28870758414268494},{"word":"even","start":958.41003,"end":958.65,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.2924911379814148},{"word":"guide","start":958.65,"end":958.89,"confidence":1.0,"punctuated_word":"guide","sentiment":"positive","sentiment_score":0.33678343892097473},{"word":"you","start":958.89,"end":959.05,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2866952419281006},{"word":"through","start":959.05,"end":959.21,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.32580289244651794},{"word":"there","start":959.21,"end":959.37,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2929168939590454},{"word":"if","start":959.37,"end":959.45,"confidence":0.97998047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2656193971633911},{"word":"you","start":959.45,"end":959.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19535820186138153},{"word":"wanna","start":959.53,"end":959.77,"confidence":0.9560547,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2001338005065918},{"word":"hop","start":959.77,"end":959.93,"confidence":1.0,"punctuated_word":"hop","sentiment":"neutral","sentiment_score":0.17922581732273102},{"word":"on","start":959.93,"end":960.09,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14724071323871613},{"word":"my","start":960.09,"end":960.25,"confidence":0.9375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.19539807736873627},{"word":"gov","start":960.25,"end":960.57,"confidence":0.75756836,"punctuated_word":"gov","sentiment":"neutral","sentiment_score":0.17696544528007507},{"word":"now","start":960.57,"end":960.73004,"confidence":0.8684082,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.11977359652519226},{"word":"or","start":960.73004,"end":960.89,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.13022556900978088},{"word":"we","start":960.89,"end":960.97003,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1638593077659607},{"word":"can","start":960.97003,"end":961.13,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16986070573329926},{"word":"just","start":961.13,"end":961.37,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16247904300689697},{"word":"grab","start":961.37,"end":961.53,"confidence":0.99902344,"punctuated_word":"grab","sentiment":"neutral","sentiment_score":0.1254270076751709},{"word":"that","start":961.53,"end":961.69,"confidence":0.9770508,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1219482496380806},{"word":"off","start":961.69,"end":961.77,"confidence":0.9941406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.11191347241401672},{"word":"you","start":961.77,"end":962.01,"confidence":0.9194336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13006408512592316},{"word":"later","start":962.01,"end":962.51,"confidence":1.0,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.14141249656677246},{"word":"you","start":970.025,"end":970.265,"confidence":0.5390625,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.713158130645752},{"word":"can","start":970.265,"end":970.42505,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6785016655921936},{"word":"do","start":970.42505,"end":970.585,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.7738314270973206},{"word":"it","start":970.585,"end":970.74506,"confidence":0.9941406,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.7800539135932922},{"word":"next","start":970.74506,"end":970.98505,"confidence":0.83984375,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.8055790066719055},{"word":"financial","start":970.98505,"end":971.385,"confidence":0.984375,"punctuated_word":"financial","sentiment":"positive","sentiment_score":0.7619702219963074},{"word":"year","start":971.385,"end":971.54504,"confidence":0.9370117,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.8238118886947632},{"word":"is","start":971.54504,"end":971.705,"confidence":0.77441406,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7864915132522583},{"word":"totally","start":971.705,"end":972.10504,"confidence":0.9980469,"punctuated_word":"totally","sentiment":"positive","sentiment_score":0.8502388000488281},{"word":"cool","start":972.10504,"end":972.585,"confidence":0.9975586,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.7555025815963745},{"word":"it","start":972.585,"end":972.74506,"confidence":0.99902344,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4250214099884033},{"word":"just","start":972.74506,"end":972.98505,"confidence":0.9892578,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.37069398164749146},{"word":"means","start":972.98505,"end":973.22504,"confidence":0.9980469,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.3956239521503449},{"word":"that","start":973.22504,"end":973.465,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0803191065788269},{"word":"because","start":973.465,"end":973.705,"confidence":0.83447266,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.11694114655256271},{"word":"they","start":973.705,"end":973.86505,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.15509691834449768},{"word":"look","start":973.86505,"end":974.10504,"confidence":0.9941406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.10978618264198305},{"word":"back","start":974.10504,"end":974.34503,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.0758122056722641},{"word":"five","start":974.34503,"end":974.585,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.1223624050617218},{"word":"years","start":974.585,"end":975.085,"confidence":0.7919922,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.09428539872169496},{"word":"as","start":975.22504,"end":975.465,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.08920407295227051},{"word":"each","start":975.465,"end":975.705,"confidence":0.9980469,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.1212007999420166},{"word":"year","start":975.705,"end":976.10504,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.09693971276283264},{"word":"progresses","start":976.10504,"end":976.60504,"confidence":0.96655273,"punctuated_word":"progresses,","sentiment":"neutral","sentiment_score":-0.1226186379790306},{"word":"that","start":977.145,"end":977.385,"confidence":0.8388672,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2109062373638153},{"word":"previous","start":977.385,"end":977.78503,"confidence":0.99902344,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":-0.3206713795661926},{"word":"one","start":977.78503,"end":978.025,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.2875497043132782},{"word":"gets","start":978.025,"end":978.265,"confidence":1.0,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.28026410937309265},{"word":"chopped","start":978.265,"end":978.505,"confidence":0.9921875,"punctuated_word":"chopped","sentiment":"neutral","sentiment_score":-0.33218780159950256},{"word":"off","start":978.505,"end":979.005,"confidence":0.99853516,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.2725726068019867},{"word":"yep","start":987.24,"end":987.74,"confidence":0.92089844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09396950900554656},{"word":"yep","start":995.65497,"end":996.055,"confidence":0.7573242,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11921072006225586},{"word":"so","start":996.055,"end":996.375,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05304935574531555},{"word":"when","start":996.375,"end":996.615,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04965432360768318},{"word":"i","start":996.615,"end":996.695,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.049221158027648926},{"word":"look","start":996.695,"end":996.855,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06337777525186539},{"word":"at","start":996.855,"end":996.935,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0643945038318634},{"word":"the","start":996.935,"end":997.175,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04908172786235809},{"word":"super","start":997.175,"end":997.675,"confidence":0.9875488,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.06697629392147064},{"word":"do","start":998.775,"end":999.015,"confidence":0.8198242,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.022564779967069622},{"word":"you","start":999.015,"end":999.175,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03541264683008194},{"word":"want","start":999.175,"end":999.415,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.028686534613370895},{"word":"me","start":999.415,"end":999.575,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.044058628380298615},{"word":"to","start":999.575,"end":1000.075,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.036908913403749466},{"word":"consider","start":1000.295,"end":1000.775,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.034326788038015366},{"word":"what","start":1000.775,"end":1001.015,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04952865093946457},{"word":"it","start":1001.015,"end":1001.095,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.026090167462825775},{"word":"looks","start":1001.095,"end":1001.415,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.02213900163769722},{"word":"like","start":1001.415,"end":1001.65497,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.01744209975004196},{"word":"with","start":1001.65497,"end":1001.895,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.019226666539907455},{"word":"the","start":1001.895,"end":1002.21497,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04291931167244911},{"word":"30","start":1002.21497,"end":1002.71497,"confidence":0.9980469,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.0356636717915535},{"word":"slash","start":1002.855,"end":1003.175,"confidence":0.97802734,"punctuated_word":"slash","sentiment":"neutral","sentiment_score":0.023670677095651627},{"word":"32","start":1003.175,"end":1003.65497,"confidence":0.99902344,"punctuated_word":"32","sentiment":"neutral","sentiment_score":0.02630404941737652},{"word":"and","start":1003.65497,"end":1003.815,"confidence":0.9633789,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017195412889122963},{"word":"a","start":1003.815,"end":1003.895,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04868976026773453},{"word":"half","start":1003.895,"end":1004.135,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.01878395304083824},{"word":"going","start":1004.135,"end":1004.375,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.057500988245010376},{"word":"in","start":1004.375,"end":1004.535,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04396003112196922},{"word":"there","start":1004.535,"end":1004.935,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0593031607568264},{"word":"in","start":1004.935,"end":1005.095,"confidence":0.9667969,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07292613387107849},{"word":"terms","start":1005.095,"end":1005.335,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.08455723524093628},{"word":"of","start":1005.335,"end":1005.495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03943173214793205},{"word":"projections","start":1005.495,"end":1005.995,"confidence":1.0,"punctuated_word":"projections","sentiment":"neutral","sentiment_score":0.06318189203739166},{"word":"going","start":1006.055,"end":1006.375,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.073583222925663},{"word":"forward","start":1006.375,"end":1006.695,"confidence":0.9951172,"punctuated_word":"forward?","sentiment":"neutral","sentiment_score":0.05715126171708107},{"word":"like","start":1006.695,"end":1006.855,"confidence":0.98535156,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.05089078098535538},{"word":"i'll","start":1006.855,"end":1007.015,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09248258918523788},{"word":"update","start":1007.015,"end":1007.415,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.11707459390163422},{"word":"your","start":1007.415,"end":1007.65497,"confidence":0.7675781,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14146272838115692},{"word":"your","start":1007.65497,"end":1007.815,"confidence":0.6958008,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1556462049484253},{"word":"advice","start":1007.815,"end":1008.315,"confidence":0.9951172,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.13982495665550232},{"word":"with","start":1009.0,"end":1009.5,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08366302400827408},{"word":"the","start":1009.95996,"end":1010.27997,"confidence":0.7866211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07949255406856537},{"word":"insurance","start":1010.27997,"end":1010.68,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.06822433322668076},{"word":"premiums","start":1010.68,"end":1011.18,"confidence":1.0,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.053748100996017456},{"word":"and","start":1011.31995,"end":1011.48,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06126543879508972},{"word":"what","start":1011.48,"end":1011.72,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05521383136510849},{"word":"that","start":1011.72,"end":1011.88,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09174871444702148},{"word":"does","start":1011.88,"end":1012.38,"confidence":0.95874023,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.06305557489395142},{"word":"and","start":1014.19995,"end":1014.69995,"confidence":0.98095703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.008516058325767517},{"word":"you're","start":1014.75995,"end":1015.07996,"confidence":0.98291016,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0035176570527255535},{"word":"doing","start":1015.07996,"end":1015.57996,"confidence":0.9326172,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.014753267168998718},{"word":"four","start":1016.27997,"end":1016.77997,"confidence":0.6960449,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":-0.02733449451625347},{"word":"yep","start":1017.63995,"end":1018.13995,"confidence":0.9777832,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.010061990469694138},{"word":"yeah","start":1029.655,"end":1030.135,"confidence":0.9604492,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.025419259443879128},{"word":"so","start":1030.135,"end":1030.635,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0790742039680481},{"word":"the","start":1030.695,"end":1030.855,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.107971653342247},{"word":"cap's","start":1030.855,"end":1031.175,"confidence":0.86035156,"punctuated_word":"cap's","sentiment":"neutral","sentiment_score":-0.10982249677181244},{"word":"the","start":1031.175,"end":1031.415,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12030132114887238},{"word":"cap","start":1031.415,"end":1031.815,"confidence":0.8071289,"punctuated_word":"cap,","sentiment":"neutral","sentiment_score":-0.09338629990816116},{"word":"and","start":1031.815,"end":1031.975,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07457911223173141},{"word":"then","start":1031.975,"end":1032.215,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.05092721804976463},{"word":"all","start":1032.215,"end":1032.455,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.07886850833892822},{"word":"the","start":1032.455,"end":1032.615,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09606491774320602},{"word":"expenses","start":1032.615,"end":1033.095,"confidence":1.0,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":-0.03907011076807976},{"word":"under","start":1033.095,"end":1033.335,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.05253571644425392},{"word":"the","start":1033.335,"end":1033.495,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05317999050021171},{"word":"hood","start":1033.495,"end":1033.655,"confidence":0.99316406,"punctuated_word":"hood,","sentiment":"neutral","sentiment_score":-0.04770831391215325},{"word":"they","start":1033.655,"end":1033.815,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.06211700662970543},{"word":"all","start":1033.815,"end":1033.975,"confidence":0.5239258,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.10519667714834212},{"word":"get","start":1033.975,"end":1034.135,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.07713449746370316},{"word":"these","start":1034.135,"end":1034.375,"confidence":0.9951172,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.07436754554510117},{"word":"15%","start":1034.375,"end":1035.015,"confidence":0.99902344,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.052014462649822235},{"word":"rebates","start":1035.015,"end":1035.495,"confidence":0.96565753,"punctuated_word":"rebates,","sentiment":"neutral","sentiment_score":-0.03748764842748642},{"word":"but","start":1035.495,"end":1035.655,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0643351823091507},{"word":"they","start":1035.655,"end":1035.735,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.16596567630767822},{"word":"don't","start":1035.735,"end":1035.975,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1661202758550644},{"word":"allow","start":1035.975,"end":1036.215,"confidence":0.9980469,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":-0.14388415217399597},{"word":"you","start":1036.215,"end":1036.295,"confidence":0.96777344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1863044500350952},{"word":"to","start":1036.295,"end":1036.59,"confidence":0.8276367,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15661221742630005},{"word":"do","start":1036.6699,"end":1036.75,"confidence":0.90283203,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.16433796286582947},{"word":"extra","start":1036.75,"end":1036.99,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.27466678619384766},{"word":"to","start":1036.99,"end":1037.07,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.177922785282135},{"word":"cover","start":1037.07,"end":1037.47,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.11493632197380066},{"word":"all","start":1037.47,"end":1037.5499,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.13900496065616608},{"word":"the","start":1037.5499,"end":1037.7899,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15719258785247803},{"word":"expenses","start":1037.7899,"end":1038.2899,"confidence":0.9807129,"punctuated_word":"expenses.","sentiment":"neutral","sentiment_score":-0.1722070872783661},{"word":"so","start":1038.59,"end":1038.9099,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13152334094047546},{"word":"the","start":1038.9099,"end":1039.07,"confidence":0.9560547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16243846714496613},{"word":"insurances","start":1039.07,"end":1039.5499,"confidence":0.9970703,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.21694692969322205},{"word":"don't","start":1039.5499,"end":1039.7899,"confidence":0.98291016,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2006811946630478},{"word":"extend","start":1039.7899,"end":1040.19,"confidence":0.99902344,"punctuated_word":"extend","sentiment":"neutral","sentiment_score":-0.255682110786438},{"word":"your","start":1040.19,"end":1040.35,"confidence":0.9550781,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.265680730342865},{"word":"cap","start":1040.35,"end":1040.59,"confidence":1.0,"punctuated_word":"cap","sentiment":"neutral","sentiment_score":-0.2238131612539291},{"word":"or","start":1040.59,"end":1040.75,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.3094971477985382},{"word":"anything","start":1040.75,"end":1041.07,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.22633060812950137},{"word":"like","start":1041.07,"end":1041.23,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2620152533054352},{"word":"that","start":1041.23,"end":1041.73,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.2043573707342148},{"word":"so","start":1044.75,"end":1045.07,"confidence":0.42358398,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15223515033721924},{"word":"based","start":1045.07,"end":1045.39,"confidence":0.99609375,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.13332468271255493},{"word":"on","start":1045.39,"end":1045.63,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11014706641435625},{"word":"the","start":1045.63,"end":1045.87,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11462049931287766},{"word":"four","start":1045.87,"end":1046.11,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.06577666103839874},{"word":"100","start":1046.11,"end":1046.4299,"confidence":0.99902344,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.1525421142578125},{"word":"okay","start":1048.19,"end":1048.69,"confidence":0.9921875,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.21095073223114016},{"word":"perfect","start":1051.215,"end":1051.715,"confidence":0.80981445,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4575670659542084},{"word":"i","start":1051.9349,"end":1052.1749,"confidence":0.92822266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07951076328754425},{"word":"won't","start":1052.1749,"end":1052.335,"confidence":1.0,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.0985366553068161},{"word":"do","start":1052.335,"end":1052.575,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.15086427330970764},{"word":"any","start":1052.575,"end":1052.735,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.13482531905174255},{"word":"at","start":1052.735,"end":1052.8949,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.26033806800842285},{"word":"the","start":1052.8949,"end":1053.0549,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22705066204071045},{"word":"moment","start":1053.0549,"end":1053.455,"confidence":0.99658203,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.2389130592346191},{"word":"we'll","start":1053.455,"end":1053.695,"confidence":1.0,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":-0.021270163357257843},{"word":"just","start":1053.695,"end":1053.9349,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.002479828894138336},{"word":"come","start":1053.9349,"end":1054.0149,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.005527529865503311},{"word":"back","start":1054.0149,"end":1054.2549,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.010956283658742905},{"word":"to","start":1054.2549,"end":1054.4149,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010751083493232729},{"word":"that","start":1054.4149,"end":1054.8949,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04590310528874397},{"word":"next","start":1054.8949,"end":1055.1349,"confidence":0.9980469,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.0091620534658432},{"word":"time","start":1055.1349,"end":1055.2949,"confidence":0.7949219,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.005767639726400375},{"word":"because","start":1055.2949,"end":1055.615,"confidence":0.8647461,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":0.013210687786340714},{"word":"again","start":1055.615,"end":1055.855,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.03553013503551483},{"word":"when","start":1055.855,"end":1056.0149,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03749293088912964},{"word":"we","start":1056.0149,"end":1056.1749,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03873234987258911},{"word":"look","start":1056.1749,"end":1056.335,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.041224781423807144},{"word":"at","start":1056.335,"end":1056.4149,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.052763476967811584},{"word":"the","start":1056.4149,"end":1056.575,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03295024484395981},{"word":"income","start":1056.575,"end":1056.815,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.04036858677864075},{"word":"protection","start":1056.815,"end":1057.215,"confidence":0.99902344,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.041302263736724854},{"word":"we","start":1057.215,"end":1057.375,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0758308619260788},{"word":"can","start":1057.375,"end":1057.615,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09749850630760191},{"word":"also","start":1057.615,"end":1057.855,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07368826866149902},{"word":"have","start":1057.855,"end":1058.0149,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0754796713590622},{"word":"a","start":1058.0149,"end":1058.095,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0806807279586792},{"word":"look","start":1058.095,"end":1058.595,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07032184302806854},{"word":"for","start":1059.1349,"end":1059.375,"confidence":0.96533203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10278606414794922},{"word":"any","start":1059.375,"end":1059.5349,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08164585381746292},{"word":"lump","start":1059.5349,"end":1059.855,"confidence":0.99902344,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.04905054718255997},{"word":"sums","start":1059.855,"end":1060.2549,"confidence":0.99902344,"punctuated_word":"sums","sentiment":"neutral","sentiment_score":0.09576211869716644},{"word":"to","start":1060.2549,"end":1060.4149,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07199816405773163},{"word":"do","start":1060.4149,"end":1060.83,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08715249598026276},{"word":"next","start":1061.07,"end":1061.3099,"confidence":0.9448242,"punctuated_word":"Next","sentiment":"neutral","sentiment_score":0.11297792196273804},{"word":"one","start":1061.3099,"end":1061.5499,"confidence":0.83203125,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06596438586711884},{"word":"is","start":1061.5499,"end":1061.71,"confidence":0.19848633,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11260711401700974},{"word":"for","start":1061.71,"end":1061.87,"confidence":0.29003906,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07392527163028717},{"word":"you","start":1061.87,"end":1062.37,"confidence":0.96533203,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.09568360447883606},{"word":"so","start":1062.4299,"end":1062.6699,"confidence":0.9716797,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08261767774820328},{"word":"i'll","start":1062.6699,"end":1062.83,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.06610384583473206},{"word":"put","start":1062.83,"end":1062.99,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.057574138045310974},{"word":"that","start":1062.99,"end":1063.1499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.054091677069664},{"word":"in","start":1063.1499,"end":1063.3099,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05652355030179024},{"word":"as","start":1063.3099,"end":1063.47,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06446404755115509},{"word":"a","start":1063.47,"end":1063.5499,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.050429847091436386},{"word":"bit","start":1063.5499,"end":1063.71,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.02489081770181656},{"word":"of","start":1063.71,"end":1063.7899,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03836607187986374},{"word":"a","start":1063.7899,"end":1063.95,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02789018303155899},{"word":"pause","start":1063.95,"end":1064.2699,"confidence":1.0,"punctuated_word":"pause","sentiment":"neutral","sentiment_score":0.017570320516824722},{"word":"in","start":1064.2699,"end":1064.35,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01674077659845352},{"word":"terms","start":1064.35,"end":1064.59,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.025765694677829742},{"word":"of","start":1064.59,"end":1064.83,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0032892152667045593},{"word":"lump","start":1064.83,"end":1064.99,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.026954226195812225},{"word":"sum","start":1064.99,"end":1065.49,"confidence":0.99902344,"punctuated_word":"sum.","sentiment":"neutral","sentiment_score":0.08542284369468689},{"word":"the","start":1065.71,"end":1066.0299,"confidence":0.99121094,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.042495764791965485},{"word":"400","start":1066.0299,"end":1066.59,"confidence":1.0,"punctuated_word":"400","sentiment":"neutral","sentiment_score":0.051734015345573425},{"word":"a","start":1066.59,"end":1066.6699,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02386027574539185},{"word":"week","start":1066.6699,"end":1066.9099,"confidence":0.99609375,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.03164259344339371},{"word":"that's","start":1066.9099,"end":1067.1499,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04104035720229149},{"word":"going","start":1067.1499,"end":1067.39,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.059039823710918427},{"word":"in","start":1067.39,"end":1067.47,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05016659200191498},{"word":"there","start":1067.47,"end":1067.71,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04770801216363907},{"word":"at","start":1067.71,"end":1067.87,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06923270225524902},{"word":"the","start":1067.87,"end":1067.95,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07837232947349548},{"word":"moment","start":1067.95,"end":1068.45,"confidence":0.9946289,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.06074896454811096},{"word":"it's","start":1068.59,"end":1068.9099,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05760733038187027},{"word":"listing","start":1068.9099,"end":1069.4099,"confidence":0.99902344,"punctuated_word":"listing","sentiment":"neutral","sentiment_score":0.09983651340007782},{"word":"as","start":1069.47,"end":1069.97,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07025894522666931},{"word":"member","start":1070.19,"end":1070.69,"confidence":0.99902344,"punctuated_word":"member","sentiment":"neutral","sentiment_score":0.07848452031612396},{"word":"voluntary","start":1070.83,"end":1071.33,"confidence":1.0,"punctuated_word":"voluntary","sentiment":"neutral","sentiment_score":0.1316213756799698},{"word":"through","start":1071.87,"end":1072.11,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07322117686271667},{"word":"bpay","start":1072.11,"end":1072.61,"confidence":0.935791,"punctuated_word":"BPAY.","sentiment":"neutral","sentiment_score":0.10092917084693909},{"word":"do","start":1072.9099,"end":1073.1499,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.03397294506430626},{"word":"you","start":1073.1499,"end":1073.23,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03752967715263367},{"word":"normally","start":1073.23,"end":1073.63,"confidence":0.9970703,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.07409236580133438},{"word":"just","start":1073.63,"end":1073.87,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05306905880570412},{"word":"go","start":1073.87,"end":1074.11,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07082873582839966},{"word":"through","start":1074.11,"end":1074.35,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05717349797487259},{"word":"that","start":1074.35,"end":1074.59,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0652996376156807},{"word":"notice","start":1074.59,"end":1074.99,"confidence":0.984375,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.04392191767692566},{"word":"of","start":1074.99,"end":1075.1499,"confidence":0.8027344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03744116052985191},{"word":"intent","start":1075.1499,"end":1075.5499,"confidence":0.95947266,"punctuated_word":"intent","sentiment":"neutral","sentiment_score":-0.01807388663291931},{"word":"to","start":1075.5499,"end":1075.63,"confidence":0.6879883,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008774667978286743},{"word":"claim","start":1075.63,"end":1075.95,"confidence":0.97802734,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.004564142785966396},{"word":"for","start":1075.95,"end":1076.11,"confidence":0.47680664,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0032254820689558983},{"word":"it","start":1076.11,"end":1076.445,"confidence":0.7363281,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.002510984893888235},{"word":"that","start":1089.6599,"end":1089.98,"confidence":0.87841797,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.06855961680412292},{"word":"makes","start":1089.98,"end":1090.22,"confidence":0.9941406,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.053622569888830185},{"word":"sense","start":1090.22,"end":1090.72,"confidence":1.0,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.0450795516371727},{"word":"okay","start":1091.5,"end":1091.75,"confidence":0.9699707,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01272719819098711},{"word":"so","start":1091.75,"end":1092.25,"confidence":0.97314453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0066566988825798035},{"word":"yep","start":1106.635,"end":1106.955,"confidence":0.8574219,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09635476768016817},{"word":"perfect","start":1106.955,"end":1107.355,"confidence":0.99609375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.38297513127326965},{"word":"perfect","start":1107.355,"end":1107.755,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4072223901748657},{"word":"so","start":1107.755,"end":1108.255,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16118259727954865},{"word":"the","start":1108.315,"end":1108.5549,"confidence":0.9604492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1420511156320572},{"word":"we'll","start":1108.635,"end":1108.875,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.18171648681163788},{"word":"put","start":1108.875,"end":1109.035,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.10716800391674042},{"word":"it","start":1109.035,"end":1109.195,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07705926150083542},{"word":"in","start":1109.195,"end":1109.355,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08878307044506073},{"word":"as","start":1109.355,"end":1109.595,"confidence":0.9650879,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.13557186722755432},{"word":"like","start":1109.595,"end":1109.835,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.15822263062000275},{"word":"26","start":1109.835,"end":1110.715,"confidence":0.9995117,"punctuated_word":"26","sentiment":"neutral","sentiment_score":0.11936324834823608},{"word":"currently","start":1110.715,"end":1111.215,"confidence":0.8762207,"punctuated_word":"currently.","sentiment":"neutral","sentiment_score":0.12532919645309448},{"word":"and","start":1111.755,"end":1111.995,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07329539954662323},{"word":"then","start":1111.995,"end":1112.475,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06440477073192596},{"word":"do","start":1112.475,"end":1112.635,"confidence":0.97314453,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05603741109371185},{"word":"you","start":1112.635,"end":1112.715,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07857038825750351},{"word":"normally","start":1112.715,"end":1113.115,"confidence":0.99121094,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.09003560990095139},{"word":"just","start":1113.115,"end":1113.275,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09121000021696092},{"word":"do","start":1113.275,"end":1113.4349,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07452669739723206},{"word":"the","start":1113.4349,"end":1113.515,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08618513494729996},{"word":"form","start":1113.515,"end":1113.835,"confidence":1.0,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.08349062502384186},{"word":"to","start":1113.835,"end":1113.995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08605555444955826},{"word":"claim","start":1113.995,"end":1114.235,"confidence":0.99902344,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.11068501323461533},{"word":"them","start":1114.235,"end":1114.475,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.10052690654993056},{"word":"as","start":1114.475,"end":1114.715,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06783504784107208},{"word":"a","start":1114.715,"end":1114.955,"confidence":0.94970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10381248593330385},{"word":"tax","start":1114.955,"end":1115.195,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1076267436146736},{"word":"deduction","start":1115.195,"end":1115.695,"confidence":0.9716797,"punctuated_word":"deduction","sentiment":"neutral","sentiment_score":0.093950092792511},{"word":"before","start":1115.94,"end":1116.2599,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.05796501040458679},{"word":"you","start":1116.2599,"end":1116.34,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08123375475406647},{"word":"do","start":1116.34,"end":1116.4199,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06786086410284042},{"word":"your","start":1116.4199,"end":1116.58,"confidence":0.9589844,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07451353967189789},{"word":"tax","start":1116.58,"end":1116.8999,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.09496209025382996},{"word":"return","start":1116.8999,"end":1117.1399,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.0709867924451828},{"word":"every","start":1117.1399,"end":1117.3799,"confidence":0.9902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.026814976707100868},{"word":"year","start":1117.3799,"end":1117.8799,"confidence":0.9995117,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":0.05589883774518967},{"word":"yep","start":1120.1799,"end":1120.6799,"confidence":0.8195801,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1715746372938156},{"word":"perfect","start":1121.0599,"end":1121.5599,"confidence":0.9921875,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3672410249710083},{"word":"and","start":1121.86,"end":1122.1799,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17126110196113586},{"word":"i'll","start":1122.1799,"end":1122.4199,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17535194754600525},{"word":"do","start":1122.4199,"end":1122.58,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2017054706811905},{"word":"a","start":1122.58,"end":1122.6599,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18839433789253235},{"word":"projection","start":1122.6599,"end":1123.0599,"confidence":1.0,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.12513317167758942},{"word":"to","start":1123.0599,"end":1123.22,"confidence":0.9394531,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14001938700675964},{"word":"show","start":1123.22,"end":1123.46,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.12112413346767426},{"word":"you","start":1123.46,"end":1123.5399,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1221139281988144},{"word":"what","start":1123.5399,"end":1123.7799,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12935668230056763},{"word":"the","start":1123.7799,"end":1123.94,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10660404711961746},{"word":"32","start":1123.94,"end":1124.4199,"confidence":0.9995117,"punctuated_word":"32","sentiment":"neutral","sentiment_score":0.10975077003240584},{"word":"and","start":1124.4199,"end":1124.5,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11424089968204498},{"word":"a","start":1124.5,"end":1124.6599,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15534822642803192},{"word":"half","start":1124.6599,"end":1124.98,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.15091153979301453},{"word":"does","start":1124.98,"end":1125.3799,"confidence":0.9970703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.10871992260217668},{"word":"as","start":1125.3799,"end":1125.62,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15045572817325592},{"word":"well","start":1125.62,"end":1126.12,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.15081340074539185},{"word":"just","start":1127.22,"end":1127.3799,"confidence":0.7583008,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.091561459004879},{"word":"so","start":1127.3799,"end":1127.5399,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09441624581813812},{"word":"you","start":1127.5399,"end":1127.7,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09278666973114014},{"word":"can","start":1127.7,"end":1127.86,"confidence":0.9902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0924309939146042},{"word":"see","start":1127.86,"end":1128.0199,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10103286057710648},{"word":"the","start":1128.0199,"end":1128.1799,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05703197419643402},{"word":"difference","start":1128.1799,"end":1128.6799,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.0399225577712059},{"word":"between","start":1128.74,"end":1129.1399,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.0369732528924942},{"word":"the","start":1129.1399,"end":1129.3799,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04210127145051956},{"word":"two","start":1129.3799,"end":1129.8799,"confidence":0.9416504,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.05853702127933502},{"word":"got","start":1130.565,"end":1130.645,"confidence":0.86621094,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.1907922625541687},{"word":"that","start":1130.645,"end":1130.8049,"confidence":0.8256836,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.17228135466575625},{"word":"and","start":1130.8049,"end":1131.0449,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16164559125900269},{"word":"we've","start":1131.0449,"end":1131.125,"confidence":0.81030273,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.18325436115264893},{"word":"got","start":1131.125,"end":1131.365,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.18363140523433685},{"word":"that","start":1131.365,"end":1131.6849,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.15127022564411163},{"word":"now","start":1131.6849,"end":1131.9249,"confidence":1.0,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.35074758529663086},{"word":"in","start":1131.9249,"end":1132.085,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4074857234954834},{"word":"terms","start":1132.085,"end":1132.585,"confidence":1.0,"punctuated_word":"terms","sentiment":"positive","sentiment_score":0.3523983955383301},{"word":"of","start":1133.205,"end":1133.445,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4149553179740906},{"word":"balance","start":1133.445,"end":1133.845,"confidence":0.970459,"punctuated_word":"balance,","sentiment":"positive","sentiment_score":0.4100533127784729},{"word":"you've","start":1133.845,"end":1134.1649,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.4868703782558441},{"word":"had","start":1134.1649,"end":1134.245,"confidence":1.0,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.5100007057189941},{"word":"a","start":1134.245,"end":1134.4049,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5552870035171509},{"word":"pretty","start":1134.4049,"end":1134.9049,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5741745829582214},{"word":"pretty","start":1135.5249,"end":1135.845,"confidence":0.7114258,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5617574453353882},{"word":"solid","start":1135.845,"end":1136.245,"confidence":1.0,"punctuated_word":"solid","sentiment":"positive","sentiment_score":0.5652821063995361},{"word":"buy","start":1136.245,"end":1136.485,"confidence":0.9980469,"punctuated_word":"buy","sentiment":"positive","sentiment_score":0.5173832774162292},{"word":"in","start":1136.485,"end":1136.645,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.587757408618927},{"word":"from","start":1136.645,"end":1136.885,"confidence":1.0,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.5844317674636841},{"word":"your","start":1136.885,"end":1137.125,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5750172138214111},{"word":"contributions","start":1137.125,"end":1137.605,"confidence":0.9790039,"punctuated_word":"contributions,","sentiment":"positive","sentiment_score":0.5192795991897583},{"word":"which","start":1137.605,"end":1137.765,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6036526560783386},{"word":"has","start":1137.765,"end":1137.9249,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6391530632972717},{"word":"been","start":1137.9249,"end":1138.1649,"confidence":1.0,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.6695706248283386},{"word":"really","start":1138.1649,"end":1138.325,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6560147404670715},{"word":"good","start":1138.325,"end":1138.645,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5152022242546082},{"word":"i","start":1138.645,"end":1138.8049,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3722889721393585},{"word":"know","start":1138.8049,"end":1138.965,"confidence":1.0,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.33672836422920227},{"word":"you","start":1138.965,"end":1139.125,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.41641607880592346},{"word":"had","start":1139.125,"end":1139.2849,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.31421637535095215},{"word":"a","start":1139.2849,"end":1139.365,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3202895522117615},{"word":"bit","start":1139.365,"end":1139.5249,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.15532934665679932},{"word":"of","start":1139.5249,"end":1139.605,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11814328283071518},{"word":"a","start":1139.605,"end":1139.6849,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12854814529418945},{"word":"rough","start":1139.6849,"end":1139.845,"confidence":1.0,"punctuated_word":"rough","sentiment":"neutral","sentiment_score":0.06452309340238571},{"word":"period","start":1139.845,"end":1140.1649,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.0925881564617157},{"word":"in","start":1140.1649,"end":1140.325,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07256098091602325},{"word":"2025","start":1140.325,"end":1141.205,"confidence":0.99853516,"punctuated_word":"2025,","sentiment":"neutral","sentiment_score":0.1343284696340561},{"word":"but","start":1141.205,"end":1141.605,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.13850587606430054},{"word":"the","start":1141.605,"end":1141.765,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3283918797969818},{"word":"last","start":1141.765,"end":1142.005,"confidence":1.0,"punctuated_word":"last","sentiment":"positive","sentiment_score":0.3712494373321533},{"word":"twelve","start":1142.005,"end":1142.245,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.32666829228401184},{"word":"months","start":1142.245,"end":1142.565,"confidence":1.0,"punctuated_word":"months","sentiment":"positive","sentiment_score":0.3923904001712799},{"word":"is","start":1142.565,"end":1142.725,"confidence":0.99609375,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4271371066570282},{"word":"looking","start":1142.725,"end":1143.0449,"confidence":1.0,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.4781653583049774},{"word":"really","start":1143.0449,"end":1143.2849,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4714803397655487},{"word":"good","start":1143.2849,"end":1143.7849,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.40383878350257874},{"word":"just","start":1144.95,"end":1145.19,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3372308909893036},{"word":"in","start":1145.19,"end":1145.4299,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.36675769090652466},{"word":"terms","start":1145.4299,"end":1145.83,"confidence":1.0,"punctuated_word":"terms","sentiment":"positive","sentiment_score":0.4148136377334595},{"word":"of","start":1145.83,"end":1146.33,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39927005767822266},{"word":"balance","start":1146.39,"end":1146.7899,"confidence":0.9970703,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.35100167989730835},{"word":"going","start":1146.7899,"end":1147.11,"confidence":0.9951172,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4119032621383667},{"word":"from","start":1147.11,"end":1147.27,"confidence":1.0,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.40104809403419495},{"word":"that","start":1147.27,"end":1147.51,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.34307339787483215},{"word":"sort","start":1147.51,"end":1147.75,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2644011378288269},{"word":"of","start":1147.75,"end":1148.07,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2912333607673645},{"word":"69","start":1148.07,"end":1148.89,"confidence":0.9995117,"punctuated_word":"69","sentiment":"neutral","sentiment_score":0.2693566381931305},{"word":"up","start":1149.11,"end":1149.35,"confidence":0.9951172,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2248833179473877},{"word":"to","start":1149.35,"end":1149.51,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2915723919868469},{"word":"88","start":1149.51,"end":1149.99,"confidence":0.9995117,"punctuated_word":"88","sentiment":"neutral","sentiment_score":0.2758738398551941},{"word":"and","start":1149.99,"end":1150.07,"confidence":0.9316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19483228027820587},{"word":"a","start":1150.07,"end":1150.1499,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22715505957603457},{"word":"half","start":1150.1499,"end":1150.47,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.1855582445859909},{"word":"even","start":1150.47,"end":1150.71,"confidence":0.84716797,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.1181791126728058},{"word":"with","start":1150.71,"end":1150.87,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06368202716112137},{"word":"the","start":1150.87,"end":1150.95,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047657258808612823},{"word":"market","start":1150.95,"end":1151.27,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.03018595278263092},{"word":"dropping","start":1151.27,"end":1151.77,"confidence":0.9970703,"punctuated_word":"dropping.","sentiment":"neutral","sentiment_score":0.021852772682905197},{"word":"so","start":1154.07,"end":1154.47,"confidence":0.9980469,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3810943365097046},{"word":"that","start":1154.47,"end":1154.71,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5465796589851379},{"word":"one's","start":1154.71,"end":1155.0299,"confidence":0.9362793,"punctuated_word":"one's","sentiment":"positive","sentiment_score":0.44714510440826416},{"word":"well","start":1155.27,"end":1155.51,"confidence":0.7237549,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.4495394229888916},{"word":"that's","start":1155.51,"end":1155.75,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5548998713493347},{"word":"a","start":1155.75,"end":1155.83,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5665070414543152},{"word":"bit","start":1155.83,"end":1155.99,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4409046471118927},{"word":"of","start":1155.99,"end":1156.23,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4961768090724945},{"word":"a","start":1156.23,"end":1156.4299,"confidence":0.9633789,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.47630465030670166},{"word":"the","start":1156.63,"end":1156.7899,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4699818789958954},{"word":"high","start":1156.7899,"end":1156.95,"confidence":0.99902344,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.4866214394569397},{"word":"growth","start":1156.95,"end":1157.27,"confidence":0.99316406,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.6008754968643188},{"word":"roller","start":1157.27,"end":1157.59,"confidence":1.0,"punctuated_word":"roller","sentiment":"positive","sentiment_score":0.5432338118553162},{"word":"coaster","start":1157.59,"end":1157.99,"confidence":0.9291992,"punctuated_word":"coaster","sentiment":"positive","sentiment_score":0.5473297834396362},{"word":"for","start":1157.99,"end":1158.1499,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5454731583595276},{"word":"you","start":1158.1499,"end":1158.3099,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5562739372253418},{"word":"is","start":1158.3099,"end":1158.47,"confidence":0.99316406,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5725842118263245},{"word":"a","start":1158.47,"end":1158.63,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5643254518508911},{"word":"bit","start":1158.63,"end":1158.7899,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4619593620300293},{"word":"fun","start":1158.7899,"end":1159.2899,"confidence":0.9916992,"punctuated_word":"fun.","sentiment":"positive","sentiment_score":0.3903359770774842},{"word":"yep","start":1169.485,"end":1169.985,"confidence":0.8625488,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1836455762386322},{"word":"what","start":1170.765,"end":1170.9249,"confidence":0.99121094,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.049611352384090424},{"word":"do","start":1170.9249,"end":1171.085,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05460824817419052},{"word":"they","start":1171.085,"end":1171.245,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06944125890731812},{"word":"call","start":1171.245,"end":1171.485,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.06667473912239075},{"word":"that","start":1171.485,"end":1171.725,"confidence":0.8852539,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.07142234593629837},{"word":"the","start":1171.725,"end":1171.885,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0701531320810318},{"word":"risk","start":1171.885,"end":1172.125,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.05486251413822174},{"word":"return","start":1172.125,"end":1172.605,"confidence":0.9951172,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.10737258195877077},{"word":"trade","start":1172.605,"end":1172.9249,"confidence":0.99609375,"punctuated_word":"trade","sentiment":"neutral","sentiment_score":0.05263623595237732},{"word":"off","start":1172.9249,"end":1173.085,"confidence":0.9550781,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.061356015503406525},{"word":"where","start":1173.085,"end":1173.565,"confidence":0.82470703,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.06935259699821472},{"word":"when","start":1173.565,"end":1173.63,"confidence":0.7241211,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04685568809509277},{"word":"everything's","start":1173.87,"end":1174.1901,"confidence":0.9333496,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.11389070004224776},{"word":"going","start":1174.1901,"end":1174.51,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.17700248956680298},{"word":"up","start":1174.51,"end":1174.67,"confidence":0.9729004,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.14127592742443085},{"word":"everyone's","start":1174.67,"end":1175.07,"confidence":0.99609375,"punctuated_word":"everyone's","sentiment":"neutral","sentiment_score":0.09360693395137788},{"word":"excited","start":1175.07,"end":1175.47,"confidence":0.7927246,"punctuated_word":"excited,","sentiment":"neutral","sentiment_score":0.1285298615694046},{"word":"and","start":1175.47,"end":1175.63,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04719553142786026},{"word":"then","start":1175.63,"end":1175.71,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.034975484013557434},{"word":"they","start":1175.71,"end":1175.87,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.03801126778125763},{"word":"panic","start":1175.87,"end":1176.1901,"confidence":0.99902344,"punctuated_word":"panic","sentiment":"neutral","sentiment_score":-0.04728682339191437},{"word":"when","start":1176.1901,"end":1176.35,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.053766727447509766},{"word":"it","start":1176.35,"end":1176.43,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03305283188819885},{"word":"goes","start":1176.43,"end":1176.67,"confidence":0.99902344,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.023793280124664307},{"word":"down","start":1176.67,"end":1176.91,"confidence":0.83374023,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.012336935847997664},{"word":"and","start":1176.91,"end":1177.07,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12697887420654297},{"word":"then","start":1177.07,"end":1177.23,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11660101264715196},{"word":"after","start":1177.23,"end":1177.47,"confidence":0.99316406,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.1594475954771042},{"word":"a","start":1177.47,"end":1177.55,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2287137806415558},{"word":"few","start":1177.55,"end":1177.71,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.23339498043060303},{"word":"of","start":1177.71,"end":1177.79,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2523656487464905},{"word":"those","start":1177.79,"end":1178.11,"confidence":0.98706055,"punctuated_word":"those,","sentiment":"neutral","sentiment_score":0.21498560905456543},{"word":"you","start":1178.11,"end":1178.27,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24094566702842712},{"word":"become","start":1178.27,"end":1178.59,"confidence":0.9941406,"punctuated_word":"become","sentiment":"neutral","sentiment_score":0.25884929299354553},{"word":"a","start":1178.59,"end":1178.67,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20027494430541992},{"word":"bit","start":1178.67,"end":1178.83,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.19152605533599856},{"word":"more","start":1178.83,"end":1179.07,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.18911737203598025},{"word":"calm","start":1179.07,"end":1179.39,"confidence":0.9716797,"punctuated_word":"calm","sentiment":"neutral","sentiment_score":0.08778679370880127},{"word":"to","start":1179.39,"end":1179.55,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.303709477186203},{"word":"it","start":1179.55,"end":1180.05,"confidence":0.79956055,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.11176961660385132},{"word":"but","start":1180.43,"end":1180.67,"confidence":0.8520508,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.20769333839416504},{"word":"it","start":1180.67,"end":1181.17,"confidence":0.8041992,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.21228615939617157},{"word":"seems","start":1181.23,"end":1181.39,"confidence":0.45385742,"punctuated_word":"seems","sentiment":"neutral","sentiment_score":-0.29944607615470886},{"word":"like","start":1181.39,"end":1181.63,"confidence":0.9941406,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.5782692432403564},{"word":"a","start":1181.63,"end":1181.71,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5446821451187134},{"word":"lot","start":1181.71,"end":1182.21,"confidence":0.9946289,"punctuated_word":"lot.","sentiment":"negative","sentiment_score":-0.33406227827072144},{"word":"yeah","start":1184.51,"end":1184.83,"confidence":0.93847656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.006208796054124832},{"word":"that's","start":1184.83,"end":1185.07,"confidence":0.9663086,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.02452896162867546},{"word":"it","start":1185.07,"end":1185.39,"confidence":0.9970703,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.007167762145400047},{"word":"that's","start":1185.39,"end":1185.63,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.028608720749616623},{"word":"the","start":1185.63,"end":1185.79,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01433507353067398},{"word":"one","start":1185.79,"end":1185.95,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06855739653110504},{"word":"that","start":1185.95,"end":1186.03,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05578877031803131},{"word":"you're","start":1186.03,"end":1186.27,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.036074619740247726},{"word":"allowed","start":1186.27,"end":1186.51,"confidence":1.0,"punctuated_word":"allowed","sentiment":"neutral","sentiment_score":0.01921917125582695},{"word":"to","start":1186.51,"end":1186.67,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03524921089410782},{"word":"say","start":1186.67,"end":1186.83,"confidence":0.7141113,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.02816667966544628},{"word":"and","start":1186.83,"end":1186.99,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.022030524909496307},{"word":"i'm","start":1186.99,"end":1187.15,"confidence":0.98339844,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05514907464385033},{"word":"not","start":1187.15,"end":1187.31,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.060493163764476776},{"word":"on","start":1187.31,"end":1187.47,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05165178328752518},{"word":"a","start":1187.47,"end":1187.63,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06717995554208755},{"word":"record","start":1187.63,"end":1188.03,"confidence":0.7128906,"punctuated_word":"record","sentiment":"neutral","sentiment_score":-0.10439445823431016},{"word":"call","start":1188.03,"end":1188.1901,"confidence":0.9592285,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":-0.0610223188996315},{"word":"but","start":1188.1901,"end":1188.43,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.011191051453351974},{"word":"i","start":1188.43,"end":1188.59,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04123825579881668},{"word":"agree","start":1188.59,"end":1189.09,"confidence":1.0,"punctuated_word":"agree.","sentiment":"neutral","sentiment_score":0.06854209303855896},{"word":"one","start":1191.8651,"end":1192.185,"confidence":0.9536133,"punctuated_word":"One","sentiment":"positive","sentiment_score":0.5161731839179993},{"word":"good","start":1192.185,"end":1192.3451,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6238558888435364},{"word":"thing","start":1192.3451,"end":1192.505,"confidence":0.83374023,"punctuated_word":"thing,","sentiment":"positive","sentiment_score":0.6226931810379028},{"word":"though","start":1192.505,"end":1193.005,"confidence":0.9995117,"punctuated_word":"though,","sentiment":"positive","sentiment_score":0.4978142380714417},{"word":"is","start":1193.0651,"end":1193.545,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5827491879463196},{"word":"all","start":1193.545,"end":1193.785,"confidence":0.9970703,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.7726401686668396},{"word":"of","start":1193.785,"end":1194.025,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.7951181530952454},{"word":"the","start":1194.025,"end":1194.1051,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7776229977607727},{"word":"investment","start":1194.1051,"end":1194.5851,"confidence":1.0,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.6726993322372437},{"word":"options","start":1194.5851,"end":1194.905,"confidence":1.0,"punctuated_word":"options","sentiment":"positive","sentiment_score":0.75047767162323},{"word":"are","start":1194.905,"end":1195.0651,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.787600576877594},{"word":"doing","start":1195.0651,"end":1195.4651,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.7645560503005981},{"word":"fantastic","start":1195.4651,"end":1195.9651,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7314034700393677},{"word":"you've","start":1196.025,"end":1196.265,"confidence":1.0,"punctuated_word":"You've","sentiment":"positive","sentiment_score":0.5587655901908875},{"word":"got","start":1196.265,"end":1196.745,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.565675675868988},{"word":"battery","start":1196.745,"end":1197.145,"confidence":0.75097656,"punctuated_word":"battery","sentiment":"positive","sentiment_score":0.6391644477844238},{"word":"tech","start":1197.145,"end":1197.305,"confidence":0.91748047,"punctuated_word":"tech","sentiment":"positive","sentiment_score":0.5470819473266602},{"word":"and","start":1197.305,"end":1197.4651,"confidence":0.9526367,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6421532034873962},{"word":"lithium","start":1197.4651,"end":1197.785,"confidence":0.9980469,"punctuated_word":"lithium","sentiment":"positive","sentiment_score":0.535179078578949},{"word":"up","start":1197.785,"end":1198.025,"confidence":0.9970703,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.48213690519332886},{"word":"a","start":1198.025,"end":1198.1051,"confidence":0.6694336,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4425250291824341},{"word":"101%","start":1198.1051,"end":1199.0651,"confidence":0.9468384,"punctuated_word":"101%.","sentiment":"positive","sentiment_score":0.4592878818511963},{"word":"gold's","start":1199.0651,"end":1199.385,"confidence":0.9782715,"punctuated_word":"Gold's","sentiment":"positive","sentiment_score":0.4204258322715759},{"word":"up","start":1199.385,"end":1199.625,"confidence":0.99902344,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.37507298588752747},{"word":"just","start":1199.625,"end":1199.8651,"confidence":0.9970703,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.41962307691574097},{"word":"under","start":1199.8651,"end":1200.1051,"confidence":1.0,"punctuated_word":"under","sentiment":"positive","sentiment_score":0.5631211400032043},{"word":"20","start":1200.1051,"end":1200.6051,"confidence":1.0,"punctuated_word":"20","sentiment":"positive","sentiment_score":0.454192191362381},{"word":"international","start":1200.905,"end":1201.405,"confidence":0.8852539,"punctuated_word":"international","sentiment":"positive","sentiment_score":0.4837246239185333},{"word":"shares","start":1201.4651,"end":1201.785,"confidence":0.9724121,"punctuated_word":"shares.","sentiment":"positive","sentiment_score":0.4080355167388916},{"word":"so","start":1201.785,"end":1201.9451,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2696523666381836},{"word":"all","start":1201.9451,"end":1202.185,"confidence":0.55126953,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.3229779005050659},{"word":"overall","start":1202.265,"end":1202.765,"confidence":0.99365234,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":0.27754801511764526},{"word":"you","start":1203.1699,"end":1203.33,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3639848828315735},{"word":"still","start":1203.33,"end":1203.57,"confidence":0.60009766,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.3056339919567108},{"word":"clear","start":1203.57,"end":1203.8099,"confidence":0.6669922,"punctuated_word":"clear","sentiment":"neutral","sentiment_score":0.3271745443344116},{"word":"the","start":1203.8099,"end":1203.97,"confidence":0.7915039,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35177484154701233},{"word":"12%","start":1203.97,"end":1204.5299,"confidence":1.0,"punctuated_word":"12%","sentiment":"positive","sentiment_score":0.33577215671539307},{"word":"return","start":1204.5299,"end":1204.9299,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.27045682072639465},{"word":"after","start":1204.9299,"end":1205.25,"confidence":0.9589844,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.21863849461078644},{"word":"fees","start":1205.25,"end":1205.65,"confidence":0.97558594,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.19717305898666385},{"word":"which","start":1205.65,"end":1205.89,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.20317819714546204},{"word":"is","start":1205.89,"end":1206.0499,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15718305110931396},{"word":"above","start":1206.0499,"end":1206.37,"confidence":0.99902344,"punctuated_word":"above","sentiment":"neutral","sentiment_score":-0.15299373865127563},{"word":"the","start":1206.37,"end":1206.5299,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2362869679927826},{"word":"10","start":1206.5299,"end":1206.77,"confidence":1.0,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.011305540800094604},{"word":"for","start":1206.77,"end":1206.9299,"confidence":0.9770508,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.010985197499394417},{"word":"the","start":1206.9299,"end":1207.09,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005749959498643875},{"word":"benchmark","start":1207.09,"end":1207.59,"confidence":1.0,"punctuated_word":"benchmark.","sentiment":"neutral","sentiment_score":0.022530045360326767},{"word":"yeah","start":1211.49,"end":1211.73,"confidence":0.9916992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0613124780356884},{"word":"look","start":1211.73,"end":1211.97,"confidence":0.9003906,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.06290382891893387},{"word":"some","start":1211.97,"end":1212.21,"confidence":0.9970703,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":0.034496087580919266},{"word":"years","start":1212.21,"end":1212.37,"confidence":0.8432617,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.033370085060596466},{"word":"you're","start":1212.37,"end":1212.61,"confidence":0.9655762,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04684385657310486},{"word":"even","start":1212.61,"end":1212.85,"confidence":0.5683594,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.014673121273517609},{"word":"gonna","start":1212.85,"end":1213.09,"confidence":0.9536133,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.015935055911540985},{"word":"be","start":1213.09,"end":1213.1699,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01804155856370926},{"word":"down","start":1213.1699,"end":1213.4099,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.042740873992443085},{"word":"25","start":1213.4099,"end":1213.89,"confidence":0.9321289,"punctuated_word":"25,","sentiment":"neutral","sentiment_score":0.027871139347553253},{"word":"and","start":1213.89,"end":1214.0499,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.011048693209886553},{"word":"then","start":1214.0499,"end":1214.21,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0014425143599510193},{"word":"it'll","start":1214.21,"end":1214.37,"confidence":0.69055176,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.006714648567140102},{"word":"go","start":1214.37,"end":1214.5299,"confidence":0.97802734,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.015524335205554962},{"word":"up","start":1214.5299,"end":1214.69,"confidence":0.9838867,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.04082309827208519},{"word":"40","start":1214.69,"end":1215.01,"confidence":0.7423096,"punctuated_word":"40,","sentiment":"neutral","sentiment_score":0.036478422582149506},{"word":"and","start":1215.01,"end":1215.25,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0245332270860672},{"word":"that's","start":1215.25,"end":1215.4099,"confidence":0.8718262,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04889701306819916},{"word":"just","start":1215.4099,"end":1215.885,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06177712231874466},{"word":"as","start":1216.125,"end":1216.285,"confidence":0.98535156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06967628002166748},{"word":"long","start":1216.285,"end":1216.365,"confidence":0.99902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.0880318135023117},{"word":"as","start":1216.365,"end":1216.4451,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0718313679099083},{"word":"you're","start":1216.4451,"end":1216.605,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.058149486780166626},{"word":"in","start":1216.605,"end":1216.845,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04004227742552757},{"word":"high","start":1216.845,"end":1217.005,"confidence":0.9838867,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.07217152416706085},{"word":"growth","start":1217.005,"end":1217.245,"confidence":0.98950195,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.05758235603570938},{"word":"that's","start":1217.245,"end":1217.5651,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.03288472443819046},{"word":"kind","start":1217.5651,"end":1217.725,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.048090677708387375},{"word":"of","start":1217.725,"end":1218.225,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02319937944412231},{"word":"the","start":1218.525,"end":1218.685,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03718546777963638},{"word":"the","start":1218.685,"end":1218.845,"confidence":0.9404297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.053833309561014175},{"word":"roller","start":1218.845,"end":1219.085,"confidence":0.9980469,"punctuated_word":"roller","sentiment":"neutral","sentiment_score":0.0473996140062809},{"word":"coaster","start":1219.085,"end":1219.485,"confidence":0.7363281,"punctuated_word":"coaster","sentiment":"neutral","sentiment_score":0.08959932625293732},{"word":"we","start":1219.485,"end":1219.645,"confidence":0.94628906,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0853983610868454},{"word":"do","start":1219.645,"end":1219.805,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06582906097173691},{"word":"to","start":1219.805,"end":1220.045,"confidence":0.95703125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07808254659175873},{"word":"average","start":1220.045,"end":1220.365,"confidence":0.99902344,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.09790148586034776},{"word":"out","start":1220.365,"end":1220.525,"confidence":0.97998047,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.08303959667682648},{"word":"for","start":1220.525,"end":1220.685,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.061830632388591766},{"word":"a","start":1220.685,"end":1220.765,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07651445269584656},{"word":"decade","start":1220.765,"end":1221.265,"confidence":0.94555664,"punctuated_word":"decade,","sentiment":"neutral","sentiment_score":0.09565778076648712},{"word":"and","start":1221.325,"end":1221.5651,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05191528797149658},{"word":"then","start":1221.5651,"end":1221.725,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.049328938126564026},{"word":"we","start":1221.725,"end":1221.965,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07075987756252289},{"word":"reduce","start":1221.965,"end":1222.285,"confidence":0.9970703,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.021564647555351257},{"word":"the","start":1222.285,"end":1222.4451,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031085573136806488},{"word":"risk","start":1222.4451,"end":1222.685,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.028662070631980896},{"word":"down","start":1222.685,"end":1222.925,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.03879392147064209},{"word":"once","start":1222.925,"end":1223.165,"confidence":0.99902344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.07214836776256561},{"word":"it's","start":1223.165,"end":1223.405,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.018140798434615135},{"word":"built","start":1223.405,"end":1223.905,"confidence":0.9975586,"punctuated_word":"built.","sentiment":"neutral","sentiment_score":0.04138542339205742},{"word":"there","start":1225.245,"end":1225.405,"confidence":0.9892578,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.04512682557106018},{"word":"is","start":1225.405,"end":1225.645,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01835989765822887},{"word":"one","start":1225.645,"end":1225.725,"confidence":0.984375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.013102611526846886},{"word":"thing","start":1225.725,"end":1225.965,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.013977007940411568},{"word":"i'll","start":1225.965,"end":1226.205,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.010065283626317978},{"word":"do","start":1226.205,"end":1226.4451,"confidence":0.8256836,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":-0.0336451530456543},{"word":"though","start":1226.4451,"end":1226.925,"confidence":0.9926758,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":-0.036820635199546814},{"word":"is","start":1226.925,"end":1227.425,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04218638688325882},{"word":"sorry","start":1227.725,"end":1227.965,"confidence":1.0,"punctuated_word":"sorry","sentiment":"neutral","sentiment_score":-0.09655863791704178},{"word":"to","start":1227.965,"end":1228.125,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11450567096471786},{"word":"interrupt","start":1228.125,"end":1228.525,"confidence":1.0,"punctuated_word":"interrupt","sentiment":"neutral","sentiment_score":-0.09123671054840088},{"word":"you","start":1228.525,"end":1228.685,"confidence":0.98828125,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.07712872326374054},{"word":"one","start":1228.685,"end":1228.925,"confidence":1.0,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.06601875275373459},{"word":"investment","start":1228.925,"end":1229.425,"confidence":0.9921875,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.07436006516218185},{"word":"option","start":1229.485,"end":1229.885,"confidence":0.9980469,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.0837600901722908},{"word":"is","start":1229.885,"end":1230.125,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.13046708703041077},{"word":"kind","start":1230.125,"end":1230.285,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.10182905197143556},{"word":"of","start":1230.285,"end":1230.57,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06145785748958587},{"word":"it's","start":1231.37,"end":1231.61,"confidence":0.8852539,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.09678183495998384},{"word":"not","start":1231.61,"end":1231.85,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.16806259751319885},{"word":"doing","start":1231.85,"end":1232.09,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.05328166484832764},{"word":"too","start":1232.09,"end":1232.25,"confidence":0.99902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.11409580707550047},{"word":"well","start":1232.25,"end":1232.57,"confidence":0.96118164,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.08613814413547516},{"word":"the","start":1232.57,"end":1232.8099,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09622645378112792},{"word":"australian","start":1232.8099,"end":1233.2899,"confidence":1.0,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.06235404312610626},{"word":"shares","start":1233.2899,"end":1233.7899,"confidence":0.99658203,"punctuated_word":"shares.","sentiment":"neutral","sentiment_score":-0.08486643433570862},{"word":"it's","start":1235.37,"end":1235.87,"confidence":0.85009766,"punctuated_word":"It's,","sentiment":"neutral","sentiment_score":-0.028801623731851574},{"word":"from","start":1236.09,"end":1236.33,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.03756987676024437},{"word":"what","start":1236.33,"end":1236.49,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.02120895683765411},{"word":"i","start":1236.49,"end":1236.57,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.015599116683006288},{"word":"can","start":1236.57,"end":1236.8099,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.022967051714658737},{"word":"see","start":1236.8099,"end":1237.2899,"confidence":0.9711914,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":-0.00914505310356617},{"word":"down","start":1237.2899,"end":1237.61,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.0012881606817245483},{"word":"16","start":1237.61,"end":1238.11,"confidence":0.9890137,"punctuated_word":"16.","sentiment":"neutral","sentiment_score":-0.044304393231868744},{"word":"the","start":1239.85,"end":1240.0099,"confidence":0.95703125,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.06805499643087387},{"word":"rest","start":1240.0099,"end":1240.1699,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.1989269256591797},{"word":"of","start":1240.1699,"end":1240.25,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20810796320438385},{"word":"the","start":1240.25,"end":1240.4099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1817462742328644},{"word":"portfolio","start":1240.4099,"end":1240.73,"confidence":0.9970703,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.11621556431055068},{"word":"is","start":1240.73,"end":1240.8899,"confidence":0.9614258,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2674787938594818},{"word":"looking","start":1240.8899,"end":1241.13,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.3104725480079651},{"word":"really","start":1241.13,"end":1241.45,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.3005208671092987},{"word":"good","start":1241.45,"end":1241.95,"confidence":0.96850586,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1386476457118988},{"word":"so","start":1242.09,"end":1242.59,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02044176310300827},{"word":"if","start":1242.6499,"end":1242.8099,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.008385121822357178},{"word":"i'm","start":1242.8099,"end":1242.97,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.003386115189641714},{"word":"gonna","start":1242.97,"end":1243.2899,"confidence":0.86865234,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.013001479208469393},{"word":"be","start":1243.2899,"end":1243.45,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0295259952545166},{"word":"updating","start":1243.45,"end":1243.9299,"confidence":1.0,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.01450718194246292},{"word":"the","start":1243.9299,"end":1244.4299,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02483239769935608},{"word":"insurances","start":1244.49,"end":1244.99,"confidence":0.9996745,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":-0.011300122365355492},{"word":"i","start":1245.775,"end":1246.015,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03286520764231682},{"word":"may","start":1246.015,"end":1246.095,"confidence":0.99902344,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.022755704820156097},{"word":"just","start":1246.095,"end":1246.575,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.022989600896835327},{"word":"replace","start":1246.575,"end":1246.975,"confidence":1.0,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":-0.022221840918064117},{"word":"that","start":1246.975,"end":1247.215,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04484139382839203},{"word":"option","start":1247.215,"end":1247.535,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.04491781443357468},{"word":"just","start":1247.535,"end":1247.695,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03513855114579201},{"word":"to","start":1247.695,"end":1247.855,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03582587093114853},{"word":"get","start":1247.855,"end":1248.095,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.009589023888111116},{"word":"a","start":1248.095,"end":1248.175,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01659747026860714},{"word":"bit","start":1248.175,"end":1248.255,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.005895435810089111},{"word":"of","start":1248.255,"end":1248.415,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.027654241770505905},{"word":"an","start":1248.415,"end":1248.495,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.03043946996331215},{"word":"engine","start":1248.495,"end":1248.895,"confidence":0.9580078,"punctuated_word":"engine","sentiment":"neutral","sentiment_score":-0.006284225732088089},{"word":"tune","start":1248.895,"end":1249.135,"confidence":0.45874023,"punctuated_word":"tune","sentiment":"neutral","sentiment_score":-0.0011326111853122711},{"word":"up","start":1249.135,"end":1249.375,"confidence":0.9111328,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.011513665318489076},{"word":"going","start":1249.375,"end":1249.875,"confidence":0.99365234,"punctuated_word":"going.","sentiment":"neutral","sentiment_score":-0.01535101979970932},{"word":"yeah","start":1260.59,"end":1260.91,"confidence":0.8779297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03331927955150604},{"word":"and","start":1260.91,"end":1261.07,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03895122557878494},{"word":"it's","start":1261.07,"end":1261.31,"confidence":0.98291016,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0473271980881691},{"word":"one","start":1261.31,"end":1261.39,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04490439593791962},{"word":"of","start":1261.39,"end":1261.47,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.034048229455947876},{"word":"those","start":1261.47,"end":1261.63,"confidence":0.7089844,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.041599489748477936},{"word":"things","start":1261.63,"end":1261.87,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.05500039458274841},{"word":"where","start":1261.87,"end":1262.11,"confidence":0.9970703,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.019439473748207092},{"word":"this","start":1262.11,"end":1262.35,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04245777428150177},{"word":"option's","start":1262.35,"end":1262.67,"confidence":0.8088379,"punctuated_word":"option's","sentiment":"neutral","sentiment_score":0.040474783629179},{"word":"going","start":1262.67,"end":1262.91,"confidence":0.97265625,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.06995304673910141},{"word":"down","start":1262.91,"end":1263.07,"confidence":0.97509766,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.06502091884613037},{"word":"a","start":1263.07,"end":1263.15,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.002389654517173767},{"word":"bit","start":1263.15,"end":1263.39,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03433197736740112},{"word":"further","start":1263.39,"end":1263.71,"confidence":0.99902344,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.009733520448207855},{"word":"than","start":1263.71,"end":1263.95,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.02240642160177231},{"word":"the","start":1263.95,"end":1264.11,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07657110691070557},{"word":"other","start":1264.11,"end":1264.35,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.040068380534648895},{"word":"ones","start":1264.35,"end":1264.85,"confidence":0.8078613,"punctuated_word":"ones,","sentiment":"neutral","sentiment_score":0.0587616004049778},{"word":"and","start":1265.07,"end":1265.39,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04609464854001999},{"word":"i","start":1265.39,"end":1265.47,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07870712131261826},{"word":"wanna","start":1265.47,"end":1265.79,"confidence":0.77246094,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0957244336605072},{"word":"kind","start":1265.79,"end":1265.95,"confidence":0.96972656,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06877078115940094},{"word":"of","start":1265.95,"end":1266.11,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07526388019323349},{"word":"just","start":1266.11,"end":1266.27,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06393317878246307},{"word":"bring","start":1266.27,"end":1266.51,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.07143591344356537},{"word":"that","start":1266.51,"end":1266.67,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07953064143657684},{"word":"back","start":1266.67,"end":1266.91,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06382878124713898},{"word":"in","start":1266.91,"end":1267.07,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.050915997475385666},{"word":"line","start":1267.07,"end":1267.31,"confidence":0.9980469,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.057367634028196335},{"word":"a","start":1267.31,"end":1267.47,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05549024790525437},{"word":"little","start":1267.47,"end":1267.63,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.035012662410736084},{"word":"bit","start":1267.63,"end":1268.13,"confidence":1.0,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.04320959001779556},{"word":"do","start":1269.07,"end":1269.23,"confidence":0.8774414,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.0025651119649410248},{"word":"you","start":1269.23,"end":1269.39,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006690867245197296},{"word":"have","start":1269.39,"end":1269.55,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01476994901895523},{"word":"a","start":1269.55,"end":1269.63,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0048735495656728745},{"word":"bit","start":1269.63,"end":1269.87,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.008526839315891266},{"word":"of","start":1269.87,"end":1269.95,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.008735064417123795},{"word":"a","start":1269.95,"end":1270.03,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006027292460203171},{"word":"preference","start":1270.03,"end":1270.51,"confidence":1.0,"punctuated_word":"preference","sentiment":"neutral","sentiment_score":0.008812911808490753},{"word":"between","start":1270.51,"end":1270.91,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.014460589736700058},{"word":"that","start":1270.91,"end":1271.15,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02257999032735825},{"word":"kind","start":1271.15,"end":1271.31,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.01892197877168655},{"word":"of","start":1271.31,"end":1271.55,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0030648037791252136},{"word":"low","start":1271.55,"end":1271.87,"confidence":0.99902344,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.04921335726976395},{"word":"fee","start":1271.87,"end":1272.27,"confidence":0.76708984,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":0.03995803743600845},{"word":"passive","start":1272.27,"end":1272.77,"confidence":0.99902344,"punctuated_word":"passive","sentiment":"neutral","sentiment_score":0.040109746158123016},{"word":"style","start":1272.83,"end":1273.33,"confidence":1.0,"punctuated_word":"style","sentiment":"neutral","sentiment_score":0.00461665540933609},{"word":"versus","start":1273.5851,"end":1273.7451,"confidence":1.0,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":-0.0020886920392513275},{"word":"the","start":1273.7451,"end":1273.905,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006284452974796295},{"word":"higher","start":1273.905,"end":1274.385,"confidence":0.9951172,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.03184492886066437},{"word":"fee","start":1274.385,"end":1274.625,"confidence":0.8774414,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":0.007172316312789917},{"word":"try","start":1274.625,"end":1274.865,"confidence":0.98828125,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.013548389077186584},{"word":"and","start":1274.865,"end":1274.9451,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0360250249505043},{"word":"beat","start":1274.9451,"end":1275.265,"confidence":1.0,"punctuated_word":"beat","sentiment":"neutral","sentiment_score":0.03093547374010086},{"word":"the","start":1275.265,"end":1275.3451,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06761778891086578},{"word":"market","start":1275.3451,"end":1275.8451,"confidence":0.9499512,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":0.050134655088186264},{"word":"get","start":1276.0651,"end":1276.305,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.043216705322265625},{"word":"a","start":1276.305,"end":1276.385,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.021283674985170364},{"word":"higher","start":1276.385,"end":1276.7051,"confidence":0.97509766,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.02227361500263214},{"word":"return","start":1276.7051,"end":1277.1051,"confidence":0.9902344,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.08851481974124908},{"word":"style","start":1277.1051,"end":1277.425,"confidence":0.9760742,"punctuated_word":"style?","sentiment":"neutral","sentiment_score":0.010325636714696884},{"word":"do","start":1277.425,"end":1277.5051,"confidence":0.9970703,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.02313617616891861},{"word":"you","start":1277.5051,"end":1277.5851,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028831303119659424},{"word":"have","start":1277.5851,"end":1277.745,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03306686133146286},{"word":"a","start":1277.745,"end":1277.905,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02891450747847557},{"word":"preference","start":1277.905,"end":1278.405,"confidence":0.9995117,"punctuated_word":"preference?","sentiment":"neutral","sentiment_score":0.04412403702735901},{"word":"yeah","start":1300.745,"end":1301.0651,"confidence":0.87158203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04556144028902054},{"word":"well","start":1301.0651,"end":1301.305,"confidence":0.9123535,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.07881630957126617},{"word":"one","start":1301.305,"end":1301.465,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13296954333782196},{"word":"of","start":1301.465,"end":1301.545,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14806416630744934},{"word":"the","start":1301.545,"end":1301.705,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1603892594575882},{"word":"little","start":1301.705,"end":1301.9451,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1829638779163361},{"word":"improvements","start":1301.9451,"end":1302.425,"confidence":1.0,"punctuated_word":"improvements","sentiment":"neutral","sentiment_score":0.2436552941799164},{"word":"i","start":1302.425,"end":1302.585,"confidence":0.79248047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3284163773059845},{"word":"can","start":1302.585,"end":1302.665,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.37363529205322266},{"word":"do","start":1302.665,"end":1302.8251,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3671811819076538},{"word":"is","start":1302.8251,"end":1302.985,"confidence":0.92578125,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.29536622762680054},{"word":"like","start":1302.985,"end":1303.145,"confidence":0.99560547,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.22067639231681824},{"word":"you're","start":1303.145,"end":1303.305,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2784899175167084},{"word":"in","start":1303.305,"end":1303.385,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2772883176803589},{"word":"this","start":1303.385,"end":1303.545,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.24564817547798157},{"word":"blended","start":1303.545,"end":1304.025,"confidence":0.99902344,"punctuated_word":"blended","sentiment":"neutral","sentiment_score":0.26205259561538696},{"word":"style","start":1304.025,"end":1304.345,"confidence":0.99902344,"punctuated_word":"style","sentiment":"neutral","sentiment_score":0.18305334448814392},{"word":"at","start":1304.345,"end":1304.505,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.23786002397537231},{"word":"the","start":1304.505,"end":1304.585,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2226853668689728},{"word":"moment","start":1304.585,"end":1305.085,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.2672014534473419},{"word":"where","start":1305.225,"end":1305.705,"confidence":0.8701172,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.17421573400497437},{"word":"most","start":1305.705,"end":1305.9451,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.22305862605571747},{"word":"of","start":1305.9451,"end":1306.105,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25584274530410767},{"word":"them","start":1306.105,"end":1306.345,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.224906787276268},{"word":"are","start":1306.345,"end":1306.505,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.250000923871994},{"word":"low","start":1306.505,"end":1306.745,"confidence":0.9980469,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.2136261016130447},{"word":"fee","start":1306.745,"end":1307.0651,"confidence":0.9873047,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.19716019928455353},{"word":"etfs","start":1307.0651,"end":1307.5651,"confidence":0.8691406,"punctuated_word":"ETFs,","sentiment":"neutral","sentiment_score":0.1938570737838745},{"word":"and","start":1307.785,"end":1308.025,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1911391317844391},{"word":"then","start":1308.025,"end":1308.265,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12626969814300537},{"word":"that","start":1308.265,"end":1308.425,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17638587951660156},{"word":"one","start":1308.425,"end":1308.745,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.16099022328853607},{"word":"managed","start":1308.745,"end":1309.225,"confidence":0.80908203,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.20073124766349792},{"word":"funds","start":1309.225,"end":1309.705,"confidence":0.93896484,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.15096530318260193},{"word":"the","start":1309.705,"end":1309.865,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19206206500530243},{"word":"active","start":1309.865,"end":1310.265,"confidence":0.99902344,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.12454187870025636},{"word":"portion","start":1310.265,"end":1310.765,"confidence":1.0,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.08251726627349854},{"word":"hasn't","start":1311.145,"end":1311.465,"confidence":0.8754883,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":0.13195781409740448},{"word":"been","start":1311.465,"end":1311.625,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.08927078545093536},{"word":"doing","start":1311.625,"end":1311.865,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.15931037068367004},{"word":"its","start":1311.865,"end":1312.185,"confidence":0.9980469,"punctuated_word":"its","sentiment":"neutral","sentiment_score":0.1168065071105957},{"word":"thing","start":1312.185,"end":1312.685,"confidence":0.8757324,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.17458097636699677},{"word":"but","start":1312.87,"end":1313.11,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2368215769529343},{"word":"there's","start":1313.11,"end":1313.59,"confidence":0.9880371,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.31978869438171387},{"word":"we've","start":1313.6699,"end":1313.9099,"confidence":1.0,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.4101209342479706},{"word":"got","start":1313.9099,"end":1314.1499,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3924669921398163},{"word":"really","start":1314.1499,"end":1314.39,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5124474763870239},{"word":"good","start":1314.39,"end":1314.5499,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.40625542402267456},{"word":"alternatives","start":1314.5499,"end":1315.0499,"confidence":0.99902344,"punctuated_word":"alternatives","sentiment":"positive","sentiment_score":0.3617215752601623},{"word":"across","start":1315.27,"end":1315.59,"confidence":1.0,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.49896448850631714},{"word":"all","start":1315.59,"end":1315.83,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5206085443496704},{"word":"the","start":1315.83,"end":1315.99,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35985442996025085},{"word":"different","start":1315.99,"end":1316.39,"confidence":1.0,"punctuated_word":"different","sentiment":"positive","sentiment_score":0.3570534586906433},{"word":"styles","start":1316.39,"end":1316.89,"confidence":0.8408203,"punctuated_word":"styles.","sentiment":"neutral","sentiment_score":0.2686534523963928},{"word":"and","start":1317.0299,"end":1317.27,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.33803480863571167},{"word":"hub's","start":1317.27,"end":1317.6699,"confidence":0.74316406,"punctuated_word":"Hub's","sentiment":"positive","sentiment_score":0.5104875564575195},{"word":"got","start":1317.6699,"end":1317.75,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.5059560537338257},{"word":"the","start":1317.75,"end":1317.9099,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.43103817105293274},{"word":"most","start":1317.9099,"end":1318.1499,"confidence":1.0,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.4794101417064667},{"word":"investment","start":1318.1499,"end":1318.47,"confidence":1.0,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.3488883972167969},{"word":"options","start":1318.47,"end":1318.87,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.27465248107910156},{"word":"in","start":1318.87,"end":1318.95,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4144890606403351},{"word":"the","start":1318.95,"end":1319.0299,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.46473151445388794},{"word":"country","start":1319.0299,"end":1319.35,"confidence":0.77490234,"punctuated_word":"country,","sentiment":"positive","sentiment_score":0.4748907685279846},{"word":"so","start":1319.35,"end":1319.51,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3974577486515045},{"word":"i","start":1319.51,"end":1319.59,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5627742409706116},{"word":"can","start":1319.59,"end":1319.75,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5630283355712891},{"word":"pick","start":1319.75,"end":1319.9099,"confidence":1.0,"punctuated_word":"pick","sentiment":"positive","sentiment_score":0.6190360188484192},{"word":"a","start":1319.9099,"end":1320.07,"confidence":0.97802734,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5362945199012756},{"word":"really","start":1320.07,"end":1320.23,"confidence":0.9902344,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5615106821060181},{"word":"good","start":1320.23,"end":1320.39,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.44022685289382935},{"word":"one","start":1320.39,"end":1320.89,"confidence":0.98535156,"punctuated_word":"one,","sentiment":"positive","sentiment_score":0.4124262928962707},{"word":"get","start":1320.95,"end":1321.11,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5517495274543762},{"word":"the","start":1321.11,"end":1321.27,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5588046908378601},{"word":"fees","start":1321.27,"end":1321.51,"confidence":0.9819336,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.4543260335922241},{"word":"down","start":1321.51,"end":1321.75,"confidence":0.99902344,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.4578050971031189},{"word":"a","start":1321.75,"end":1321.83,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.43026524782180786},{"word":"bit","start":1321.83,"end":1322.07,"confidence":0.9838867,"punctuated_word":"bit,","sentiment":"positive","sentiment_score":0.3909351229667664},{"word":"and","start":1322.07,"end":1322.23,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4584236145019531},{"word":"it's","start":1322.23,"end":1322.5499,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6033792495727539},{"word":"done","start":1322.5499,"end":1322.7899,"confidence":1.0,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.5002657771110535},{"word":"better","start":1322.7899,"end":1323.07,"confidence":0.97143555,"punctuated_word":"better,","sentiment":"positive","sentiment_score":0.43095263838768005},{"word":"you","start":1323.07,"end":1323.35,"confidence":0.99316406,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4728870987892151},{"word":"know","start":1323.35,"end":1323.85,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.4538010358810425},{"word":"short","start":1323.99,"end":1324.23,"confidence":1.0,"punctuated_word":"short","sentiment":"positive","sentiment_score":0.4564697742462158},{"word":"term","start":1324.23,"end":1324.5499,"confidence":0.9980469,"punctuated_word":"term,","sentiment":"positive","sentiment_score":0.43826982378959656},{"word":"medium","start":1324.5499,"end":1324.87,"confidence":1.0,"punctuated_word":"medium","sentiment":"positive","sentiment_score":0.4037999510765076},{"word":"term","start":1324.87,"end":1325.19,"confidence":0.99853516,"punctuated_word":"term,","sentiment":"positive","sentiment_score":0.4363334476947784},{"word":"long","start":1325.19,"end":1325.4299,"confidence":0.9980469,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.434989869594574},{"word":"term","start":1325.4299,"end":1325.9299,"confidence":0.9658203,"punctuated_word":"term.","sentiment":"positive","sentiment_score":0.4114246964454651},{"word":"and","start":1326.225,"end":1326.465,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.268841415643692},{"word":"i","start":1326.465,"end":1326.705,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2759717106819153},{"word":"can","start":1326.705,"end":1326.865,"confidence":0.83740234,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.29457369446754456},{"word":"do","start":1326.865,"end":1327.025,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3020345866680145},{"word":"a","start":1327.025,"end":1327.105,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2842218577861786},{"word":"bit","start":1327.105,"end":1327.265,"confidence":0.99609375,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.25398823618888855},{"word":"of","start":1327.265,"end":1327.345,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2903049886226654},{"word":"a","start":1327.345,"end":1327.845,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29519975185394287},{"word":"little","start":1328.065,"end":1328.465,"confidence":0.9970703,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.24860554933547976},{"word":"switcheroo","start":1328.465,"end":1328.965,"confidence":0.9783203,"punctuated_word":"switcheroo.","sentiment":"neutral","sentiment_score":0.27076584100723267},{"word":"yes","start":1343.36,"end":1343.86,"confidence":0.8203125,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.034691374748945236},{"word":"yeah","start":1362.8301,"end":1363.15,"confidence":0.82055664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.003494584932923317},{"word":"so","start":1363.15,"end":1363.65,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.009133171290159224},{"word":"when","start":1363.7101,"end":1363.9501,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0005689449608325958},{"word":"i'm","start":1363.9501,"end":1364.11,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.015252172015607355},{"word":"looking","start":1364.11,"end":1364.35,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.026080746203660965},{"word":"at","start":1364.35,"end":1364.43,"confidence":0.98828125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.006741784512996674},{"word":"your","start":1364.43,"end":1364.5901,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03598818928003311},{"word":"account","start":1364.5901,"end":1365.0901,"confidence":0.9975586,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.03604421764612198},{"word":"hub's","start":1365.23,"end":1365.63,"confidence":0.8564453,"punctuated_word":"Hub's","sentiment":"neutral","sentiment_score":0.059468384832143784},{"word":"got","start":1365.63,"end":1366.11,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.055425699800252914},{"word":"their","start":1366.11,"end":1366.61,"confidence":0.85595703,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.04400688409805298},{"word":"one","start":1367.15,"end":1367.39,"confidence":0.91015625,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05430762097239494},{"word":"point","start":1367.39,"end":1367.63,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.05987673997879028},{"word":"25%","start":1367.63,"end":1368.43,"confidence":0.99609375,"punctuated_word":"25%","sentiment":"neutral","sentiment_score":0.05296222120523453},{"word":"minimum","start":1368.43,"end":1368.93,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.016949288547039032},{"word":"cash","start":1369.0701,"end":1369.47,"confidence":0.97509766,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.009327691048383713},{"word":"hub","start":1369.47,"end":1369.79,"confidence":0.5644531,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.02096381038427353},{"word":"balance","start":1369.79,"end":1370.27,"confidence":0.99609375,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.013780228793621063},{"word":"for","start":1370.27,"end":1370.51,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0022108890116214752},{"word":"the","start":1370.51,"end":1370.5901,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.002865660935640335},{"word":"bank","start":1370.5901,"end":1370.91,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.038526974618434906},{"word":"account","start":1370.91,"end":1371.41,"confidence":0.8937988,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.019959865137934685},{"word":"but","start":1371.47,"end":1371.7101,"confidence":0.8964844,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0011488813906908035},{"word":"outside","start":1371.7101,"end":1372.11,"confidence":0.99316406,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.0033339187502861023},{"word":"of","start":1372.11,"end":1372.27,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0048654042184352875},{"word":"that","start":1372.27,"end":1372.5901,"confidence":0.9941406,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.00803404487669468},{"word":"everything's","start":1372.5901,"end":1373.0701,"confidence":0.97143555,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.018102049827575684},{"word":"invested","start":1373.0701,"end":1373.47,"confidence":0.9560547,"punctuated_word":"invested.","sentiment":"neutral","sentiment_score":0.02043205313384533},{"word":"so","start":1373.47,"end":1373.63,"confidence":0.9370117,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.025609873235225677},{"word":"there's","start":1373.63,"end":1373.79,"confidence":0.81347656,"punctuated_word":"there's,","sentiment":"neutral","sentiment_score":0.024966979399323463},{"word":"like","start":1373.79,"end":1374.03,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.018732570111751556},{"word":"18","start":1374.03,"end":1374.35,"confidence":0.97802734,"punctuated_word":"18","sentiment":"neutral","sentiment_score":0.0066360123455524445},{"word":"$100","start":1374.35,"end":1375.0901,"confidence":0.9995117,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.026112999767065048},{"word":"sitting","start":1375.31,"end":1375.63,"confidence":0.9980469,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.048398178070783615},{"word":"there","start":1375.63,"end":1375.87,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.025381136685609818},{"word":"ready","start":1375.87,"end":1376.1901,"confidence":0.9316406,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.016888517886400223},{"word":"to","start":1376.1901,"end":1376.27,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004729107022285461},{"word":"clear","start":1376.27,"end":1376.77,"confidence":0.98950195,"punctuated_word":"clear.","sentiment":"neutral","sentiment_score":0.10159142315387726},{"word":"those","start":1377.505,"end":1377.745,"confidence":0.9921875,"punctuated_word":"Those","sentiment":"neutral","sentiment_score":0.12629163265228271},{"word":"little","start":1377.745,"end":1378.065,"confidence":0.98828125,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.14159844815731049},{"word":"buys","start":1378.065,"end":1378.385,"confidence":0.79052734,"punctuated_word":"buys","sentiment":"neutral","sentiment_score":0.14164645969867706},{"word":"you","start":1378.385,"end":1378.625,"confidence":0.7573242,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13783062994480133},{"word":"see","start":1378.625,"end":1378.905,"confidence":0.7624512,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.10995487868785858},{"word":"you","start":1378.905,"end":1379.1849,"confidence":0.94189453,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0659240186214447},{"word":"know","start":1379.1849,"end":1379.505,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08635123819112778},{"word":"contributions","start":1379.505,"end":1380.005,"confidence":0.9921875,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.0945514515042305},{"word":"come","start":1380.145,"end":1380.385,"confidence":0.9892578,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.11069903522729874},{"word":"in","start":1380.385,"end":1380.885,"confidence":0.9785156,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.1230028197169304},{"word":"buys","start":1380.945,"end":1381.1849,"confidence":0.9770508,"punctuated_word":"buys","sentiment":"neutral","sentiment_score":0.11873731017112732},{"word":"into","start":1381.1849,"end":1381.425,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.13386014103889465},{"word":"the","start":1381.425,"end":1381.585,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16879409551620483},{"word":"market","start":1381.585,"end":1382.085,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.20574527978897095},{"word":"with","start":1382.145,"end":1382.385,"confidence":0.44604492,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13083738088607788},{"word":"a","start":1382.385,"end":1382.465,"confidence":0.7285156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10791020840406418},{"word":"dollar","start":1382.465,"end":1382.785,"confidence":0.9980469,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.0946507528424263},{"word":"cost","start":1382.785,"end":1383.025,"confidence":0.99902344,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.10784460604190826},{"word":"averaging","start":1383.025,"end":1383.525,"confidence":0.99560547,"punctuated_word":"averaging.","sentiment":"neutral","sentiment_score":0.09404914081096648},{"word":"okay","start":1385.985,"end":1386.3049,"confidence":0.9926758,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.15634280443191528},{"word":"so","start":1386.3049,"end":1386.465,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09977009892463684},{"word":"i","start":1386.465,"end":1386.625,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12685495615005493},{"word":"could","start":1386.625,"end":1386.865,"confidence":0.61865234,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.13005535304546356},{"word":"update","start":1386.865,"end":1387.365,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.11945222318172456},{"word":"that","start":1387.585,"end":1387.825,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09351423382759094},{"word":"one","start":1387.825,"end":1388.145,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06240471079945564},{"word":"option","start":1388.145,"end":1388.625,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.07671841979026794},{"word":"there","start":1388.625,"end":1389.105,"confidence":1.0,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.05084117874503136},{"word":"now","start":1389.105,"end":1389.265,"confidence":0.9790039,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.03422652557492256},{"word":"just","start":1389.265,"end":1389.505,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.014748234301805496},{"word":"bear","start":1389.505,"end":1389.745,"confidence":0.99316406,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":0.036297764629125595},{"word":"on","start":1389.745,"end":1389.905,"confidence":0.6567383,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.026146193966269493},{"word":"because","start":1389.905,"end":1390.225,"confidence":0.44995117,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.020868618041276932},{"word":"you","start":1390.225,"end":1390.385,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05433384329080582},{"word":"are","start":1390.385,"end":1390.625,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.039582885801792145},{"word":"in","start":1390.625,"end":1391.125,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05937979742884636},{"word":"that","start":1391.265,"end":1391.585,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05852202698588371},{"word":"high","start":1391.585,"end":1391.825,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.12360630929470062},{"word":"growth","start":1391.825,"end":1392.325,"confidence":0.9470215,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.1205109879374504},{"word":"you're","start":1392.44,"end":1392.6799,"confidence":0.7687988,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05422131717205048},{"word":"kind","start":1392.6799,"end":1392.76,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05220244079828262},{"word":"of","start":1392.76,"end":1392.84,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0614832267165184},{"word":"that","start":1392.84,"end":1393.32,"confidence":0.7109375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06882007420063019},{"word":"90%","start":1393.32,"end":1394.14,"confidence":0.9995117,"punctuated_word":"90%","sentiment":"neutral","sentiment_score":0.09666623175144196},{"word":"growth","start":1394.2,"end":1394.52,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.07907136529684067},{"word":"assets","start":1394.52,"end":1395.02,"confidence":0.96069336,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.07257457077503204},{"word":"shares","start":1395.08,"end":1395.48,"confidence":0.98291016,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.07096252590417862},{"word":"property","start":1395.48,"end":1395.96,"confidence":0.9655762,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.07604450732469559},{"word":"gold","start":1395.96,"end":1396.46,"confidence":0.7734375,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.07867740839719772},{"word":"you","start":1396.6799,"end":1396.92,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06218320876359939},{"word":"still","start":1396.92,"end":1397.4,"confidence":0.57128906,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.024785514920949936},{"word":"got","start":1397.4,"end":1397.9,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05733499303460121},{"word":"just","start":1399.0,"end":1399.5,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.029765158891677856},{"word":"shy","start":1399.88,"end":1400.28,"confidence":0.9038086,"punctuated_word":"shy","sentiment":"neutral","sentiment_score":0.0268799290060997},{"word":"of","start":1400.28,"end":1400.78,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03817054629325867},{"word":"about","start":1401.96,"end":1402.36,"confidence":0.73876953,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.004537053406238556},{"word":"6%","start":1402.36,"end":1403.1,"confidence":0.99902344,"punctuated_word":"6%","sentiment":"neutral","sentiment_score":0.03909645602107048},{"word":"sitting","start":1403.4,"end":1403.9,"confidence":0.54296875,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.024034813046455383},{"word":"sitting","start":1403.96,"end":1404.12,"confidence":0.6430664,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.01227649673819542},{"word":"in","start":1404.12,"end":1404.28,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.021864674985408783},{"word":"fixed","start":1404.28,"end":1404.52,"confidence":1.0,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.0063959695398807526},{"word":"interest","start":1404.52,"end":1404.84,"confidence":0.9814453,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.018662724643945697},{"word":"which","start":1404.84,"end":1405.08,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0509716272354126},{"word":"is","start":1405.08,"end":1405.24,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.030536122620105743},{"word":"a","start":1405.24,"end":1405.4,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04016095772385597},{"word":"small","start":1405.4,"end":1405.72,"confidence":1.0,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.0282626673579216},{"word":"portion","start":1405.72,"end":1406.22,"confidence":1.0,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.02590370737016201},{"word":"in","start":1406.745,"end":1406.985,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03823770582675934},{"word":"the","start":1406.985,"end":1407.225,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04001407325267792},{"word":"lower","start":1407.225,"end":1407.465,"confidence":0.9970703,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.024732045829296112},{"word":"risk","start":1407.465,"end":1407.7849,"confidence":0.83935547,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":0.02466372214257717},{"word":"you","start":1407.7849,"end":1408.105,"confidence":0.95410156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029301220551133156},{"word":"know","start":1408.105,"end":1408.345,"confidence":0.9980469,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.029744796454906464},{"word":"earns","start":1408.345,"end":1408.665,"confidence":0.8925781,"punctuated_word":"earns","sentiment":"neutral","sentiment_score":0.02529590949416161},{"word":"four","start":1408.665,"end":1408.905,"confidence":0.9941406,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.07612057030200958},{"word":"to","start":1408.905,"end":1409.0651,"confidence":0.95166016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.060012489557266235},{"word":"5%","start":1409.0651,"end":1409.625,"confidence":1.0,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.1184895932674408},{"word":"safe","start":1409.625,"end":1409.945,"confidence":0.99609375,"punctuated_word":"safe","sentiment":"neutral","sentiment_score":0.09001404792070389},{"word":"return","start":1409.945,"end":1410.445,"confidence":0.98706055,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.11149075627326964},{"word":"look","start":1411.865,"end":1412.345,"confidence":0.74121094,"punctuated_word":"Look.","sentiment":"positive","sentiment_score":0.5020978450775146},{"word":"the","start":1412.345,"end":1412.505,"confidence":0.99316406,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.6461176872253418},{"word":"high","start":1412.505,"end":1412.665,"confidence":0.99121094,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.6256982088088989},{"word":"growth's","start":1412.665,"end":1413.165,"confidence":0.6965332,"punctuated_word":"growth's","sentiment":"positive","sentiment_score":0.6910654902458191},{"word":"long","start":1413.305,"end":1413.545,"confidence":0.9921875,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.7675854563713074},{"word":"term","start":1413.545,"end":1414.045,"confidence":0.75219727,"punctuated_word":"term,","sentiment":"positive","sentiment_score":0.6852428913116455},{"word":"fantastic","start":1414.345,"end":1414.845,"confidence":0.99902344,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7801051139831543},{"word":"i'm","start":1415.385,"end":1415.545,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.570767879486084},{"word":"just","start":1415.545,"end":1415.785,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4413278996944427},{"word":"letting","start":1415.785,"end":1415.945,"confidence":1.0,"punctuated_word":"letting","sentiment":"positive","sentiment_score":0.5259286761283875},{"word":"you","start":1415.945,"end":1416.105,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.42478081583976746},{"word":"know","start":1416.105,"end":1416.265,"confidence":1.0,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.3559938371181488},{"word":"that","start":1416.265,"end":1416.425,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3218621015548706},{"word":"there's","start":1416.425,"end":1416.665,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.3148360848426819},{"word":"a","start":1416.665,"end":1416.745,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.34246498346328735},{"word":"small","start":1416.745,"end":1416.985,"confidence":1.0,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.26978927850723267},{"word":"portion","start":1416.985,"end":1417.305,"confidence":1.0,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.2839287519454956},{"word":"that's","start":1417.305,"end":1417.545,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.24179571866989136},{"word":"in","start":1417.545,"end":1417.705,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26052379608154297},{"word":"a","start":1417.705,"end":1417.785,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29368942975997925},{"word":"little","start":1417.785,"end":1418.025,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.23278529942035675},{"word":"bit","start":1418.025,"end":1418.265,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2491699606180191},{"word":"lower","start":1418.265,"end":1418.425,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.1761501431465149},{"word":"risk","start":1418.425,"end":1418.745,"confidence":0.99853516,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":0.23546113073825836},{"word":"it's","start":1418.745,"end":1418.905,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.20862846076488495},{"word":"not","start":1418.905,"end":1419.145,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.09339994937181471},{"word":"cash","start":1419.145,"end":1419.465,"confidence":0.9921875,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.16182488203048706},{"word":"but","start":1419.465,"end":1419.625,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1775614321231842},{"word":"it's","start":1419.625,"end":1419.785,"confidence":0.9909668,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.24342364072799683},{"word":"the","start":1419.785,"end":1419.945,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2537517547607422},{"word":"one","start":1419.945,"end":1420.185,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.25714075565338135},{"word":"above","start":1420.185,"end":1420.505,"confidence":1.0,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.2395646870136261},{"word":"cash","start":1420.505,"end":1421.005,"confidence":1.0,"punctuated_word":"cash.","sentiment":"neutral","sentiment_score":0.31284740567207336},{"word":"cool","start":1423.6001,"end":1424.1001,"confidence":0.9926758,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.6611586809158325},{"word":"alrighty","start":1424.48,"end":1424.98,"confidence":0.99934894,"punctuated_word":"Alrighty.","sentiment":"positive","sentiment_score":0.4532710313796997},{"word":"so","start":1425.92,"end":1426.3201,"confidence":0.8852539,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.27904829382896423},{"word":"game","start":1426.3201,"end":1426.56,"confidence":0.99121094,"punctuated_word":"game","sentiment":"neutral","sentiment_score":0.2889329493045807},{"word":"plan","start":1426.56,"end":1426.88,"confidence":0.99902344,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.2674773037433624},{"word":"from","start":1426.88,"end":1427.04,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2361772209405899},{"word":"here","start":1427.04,"end":1427.4401,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.15499022603034973},{"word":"is","start":1427.4401,"end":1427.76,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17301160097122192},{"word":"pretty","start":1427.76,"end":1427.92,"confidence":0.9951172,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.16576462984085083},{"word":"much","start":1427.92,"end":1428.16,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1404687613248825},{"word":"just","start":1428.16,"end":1428.4,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1613520383834839},{"word":"go","start":1428.4,"end":1428.56,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17485979199409485},{"word":"through","start":1428.56,"end":1429.06,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1814826875925064},{"word":"your","start":1429.28,"end":1429.68,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2214347869157791},{"word":"your","start":1429.68,"end":1429.92,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.218189001083374},{"word":"settlement","start":1429.92,"end":1430.3201,"confidence":1.0,"punctuated_word":"settlement","sentiment":"neutral","sentiment_score":0.22010380029678345},{"word":"and","start":1430.3201,"end":1430.48,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22621794044971463},{"word":"everything","start":1430.48,"end":1430.98,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.21483200788497925},{"word":"as","start":1431.04,"end":1431.2001,"confidence":0.97265625,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2958567142486572},{"word":"you","start":1431.2001,"end":1431.36,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25114136934280396},{"word":"do","start":1431.36,"end":1431.86,"confidence":0.99560547,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.1994052231311798},{"word":"we","start":1432.0801,"end":1432.4,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1433318704366684},{"word":"will","start":1432.4,"end":1432.8,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.17001600563526154},{"word":"get","start":1432.8,"end":1433.3,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1773282140493393},{"word":"the","start":1433.585,"end":1433.745,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17772258818149567},{"word":"life","start":1433.745,"end":1433.905,"confidence":0.9428711,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.16806498169898987},{"word":"and","start":1433.905,"end":1433.985,"confidence":0.9316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18826189637184143},{"word":"tpd","start":1433.985,"end":1434.485,"confidence":0.8972168,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.1406824290752411},{"word":"insurances","start":1434.625,"end":1435.125,"confidence":0.98706055,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.16938096284866333},{"word":"trimmed","start":1435.265,"end":1435.585,"confidence":0.99316406,"punctuated_word":"trimmed","sentiment":"neutral","sentiment_score":0.20057383179664612},{"word":"down","start":1435.585,"end":1436.0651,"confidence":0.8635254,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.19282148778438568},{"word":"portfolio","start":1436.0651,"end":1436.5651,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.14781039953231812},{"word":"tuned","start":1436.945,"end":1437.185,"confidence":0.8569336,"punctuated_word":"tuned","sentiment":"neutral","sentiment_score":0.18648123741149905},{"word":"up","start":1437.185,"end":1437.685,"confidence":0.89208984,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.212849885225296},{"word":"and","start":1437.745,"end":1437.905,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15358707308769226},{"word":"then","start":1437.905,"end":1438.145,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15137362480163574},{"word":"i'll","start":1438.145,"end":1438.305,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.152144193649292},{"word":"kind","start":1438.305,"end":1438.545,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1353141814470291},{"word":"of","start":1438.545,"end":1438.705,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15491515398025513},{"word":"run","start":1438.705,"end":1438.945,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.11075067520141602},{"word":"through","start":1438.945,"end":1439.185,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12913519144058228},{"word":"that","start":1439.185,"end":1439.505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1898370087146759},{"word":"with","start":1439.505,"end":1439.665,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20821134746074677},{"word":"you","start":1439.665,"end":1440.0651,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2524568736553192},{"word":"in","start":1440.0651,"end":1440.305,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.25792333483695984},{"word":"an","start":1440.305,"end":1440.385,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.24851597845554352},{"word":"updated","start":1440.385,"end":1440.865,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2009272277355194},{"word":"advice","start":1440.865,"end":1441.265,"confidence":0.98095703,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.2018330842256546},{"word":"document","start":1441.265,"end":1441.765,"confidence":0.84350586,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.17124512791633606},{"word":"and","start":1441.985,"end":1442.225,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.20040924847126007},{"word":"you","start":1442.225,"end":1442.305,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17928338050842285},{"word":"can","start":1442.305,"end":1442.545,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15725241601467133},{"word":"kind","start":1442.545,"end":1442.705,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.14497745037078855},{"word":"of","start":1442.705,"end":1442.865,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1277216076850891},{"word":"say","start":1442.865,"end":1443.105,"confidence":0.51464844,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.1901080757379532},{"word":"what","start":1443.105,"end":1443.265,"confidence":0.8618164,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1767958402633667},{"word":"i'm","start":1443.265,"end":1443.505,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.20256873965263367},{"word":"proposing","start":1443.505,"end":1443.905,"confidence":0.8781738,"punctuated_word":"proposing,","sentiment":"neutral","sentiment_score":0.21544525027275083},{"word":"make","start":1443.905,"end":1444.0651,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.25108209252357483},{"word":"sure","start":1444.0651,"end":1444.225,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.294566810131073},{"word":"you're","start":1444.225,"end":1444.465,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3200357258319855},{"word":"happy","start":1444.465,"end":1444.785,"confidence":0.8894043,"punctuated_word":"happy.","sentiment":"neutral","sentiment_score":0.317974328994751},{"word":"i'll","start":1444.785,"end":1444.945,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17377835512161255},{"word":"do","start":1444.945,"end":1445.105,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18615613877773285},{"word":"the","start":1445.105,"end":1445.265,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20092277228832245},{"word":"switches","start":1445.265,"end":1445.765,"confidence":0.939209,"punctuated_word":"switches,","sentiment":"neutral","sentiment_score":0.14068783819675446},{"word":"and","start":1446.785,"end":1446.945,"confidence":0.7866211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10031649470329285},{"word":"then","start":1446.945,"end":1447.185,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10214924812316896},{"word":"we'll","start":1447.185,"end":1447.425,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.10572265088558196},{"word":"come","start":1447.425,"end":1447.665,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.1095813289284706},{"word":"back","start":1447.665,"end":1447.905,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.09918279945850372},{"word":"around","start":1447.905,"end":1448.405,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.08591755479574203},{"word":"for","start":1449.0599,"end":1449.2999,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.109593503177166},{"word":"the","start":1449.2999,"end":1449.7,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12929600477218628},{"word":"income","start":1449.7,"end":1450.1,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.11129283905029295},{"word":"protection","start":1450.1,"end":1450.6,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.0963890329003334},{"word":"and","start":1451.2999,"end":1451.7999,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14895258843898773},{"word":"further","start":1452.0199,"end":1452.4199,"confidence":0.9819336,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.16100580990314484},{"word":"contribution","start":1452.4199,"end":1452.9199,"confidence":0.99609375,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.11357589066028596},{"word":"strategies","start":1453.1399,"end":1453.6399,"confidence":1.0,"punctuated_word":"strategies.","sentiment":"neutral","sentiment_score":0.14301633834838867},{"word":"yep","start":1456.6599,"end":1457.0599,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2003515064716339},{"word":"i","start":1457.0599,"end":1457.22,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13167648017406464},{"word":"will","start":1457.22,"end":1457.46,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.15312549471855164},{"word":"include","start":1457.46,"end":1457.96,"confidence":1.0,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.15420541167259216},{"word":"the","start":1458.1,"end":1458.34,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09408123046159744},{"word":"32","start":1458.34,"end":1458.8999,"confidence":1.0,"punctuated_word":"32","sentiment":"neutral","sentiment_score":0.08370158076286316},{"word":"and","start":1458.8999,"end":1458.98,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.062161073088645935},{"word":"a","start":1458.98,"end":1459.0599,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07077501714229584},{"word":"half","start":1459.0599,"end":1459.2999,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.06358793377876282},{"word":"just","start":1459.2999,"end":1459.46,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09296198189258575},{"word":"so","start":1459.46,"end":1459.62,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09564878046512604},{"word":"you","start":1459.62,"end":1459.7,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10475991666316986},{"word":"can","start":1459.7,"end":1459.86,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13662531971931458},{"word":"see","start":1459.86,"end":1460.1,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1451530158519745},{"word":"it","start":1460.1,"end":1460.1799,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11358825117349625},{"word":"as","start":1460.1799,"end":1460.34,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14195667207241058},{"word":"well","start":1460.34,"end":1460.835,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.13304036855697632},{"word":"let","start":1472.4349,"end":1472.755,"confidence":0.8041992,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.004084203392267227},{"word":"me","start":1472.755,"end":1472.995,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0053864289075136185},{"word":"have","start":1472.995,"end":1473.475,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01002705842256546},{"word":"a","start":1473.475,"end":1473.7949,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008537285029888153},{"word":"look","start":1473.7949,"end":1474.2949,"confidence":1.0,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.0020814035087823868},{"word":"i'm","start":1474.68,"end":1474.8401,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0015654347371309996},{"word":"gonna","start":1474.8401,"end":1475.16,"confidence":0.92089844,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0014502732083201408},{"word":"do","start":1475.16,"end":1475.28,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0012891851365566254},{"word":"a","start":1475.28,"end":1475.4,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004958704113960266},{"word":"very","start":1475.4,"end":1475.7201,"confidence":0.99316406,"punctuated_word":"very,","sentiment":"neutral","sentiment_score":-0.011695771478116512},{"word":"very","start":1475.7201,"end":1476.04,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.021926170215010643},{"word":"rough","start":1476.04,"end":1476.4401,"confidence":0.99902344,"punctuated_word":"rough","sentiment":"neutral","sentiment_score":0.005894811823964119},{"word":"on","start":1476.4401,"end":1476.68,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.005470357835292816},{"word":"the","start":1476.68,"end":1476.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008410081267356873},{"word":"phone","start":1476.76,"end":1477.0801,"confidence":0.9951172,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.009482759982347488},{"word":"projection","start":1477.0801,"end":1477.4801,"confidence":0.9951172,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.006190251559019089},{"word":"here","start":1477.4801,"end":1477.9801,"confidence":0.9970703,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.03274909779429436},{"word":"just","start":1479.0,"end":1479.2401,"confidence":0.98291016,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.012113954871892927},{"word":"let","start":1479.2401,"end":1479.4801,"confidence":0.97802734,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.012811288237571716},{"word":"me","start":1479.4801,"end":1479.56,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.017673134803771973},{"word":"plug","start":1479.56,"end":1479.8,"confidence":1.0,"punctuated_word":"plug","sentiment":"neutral","sentiment_score":0.02008013240993023},{"word":"in","start":1479.8,"end":1479.9601,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.012348804622888563},{"word":"a","start":1479.9601,"end":1480.04,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01745958998799324},{"word":"few","start":1480.04,"end":1480.28,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.00754992663860321},{"word":"figures","start":1480.28,"end":1480.78,"confidence":0.9980469,"punctuated_word":"figures.","sentiment":"neutral","sentiment_score":0.02092167921364307},{"word":"just","start":1481.0,"end":1481.2401,"confidence":0.8925781,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.005567785352468491},{"word":"while","start":1481.2401,"end":1481.4801,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.00331873819231987},{"word":"i'm","start":1481.4801,"end":1481.56,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.015166990458965302},{"word":"updating","start":1481.56,"end":1481.88,"confidence":0.99902344,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.03483274579048157},{"word":"this","start":1481.88,"end":1482.04,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.004527747631072998},{"word":"projection","start":1482.04,"end":1482.3601,"confidence":0.97509766,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.014738325029611588},{"word":"here","start":1482.3601,"end":1482.6001,"confidence":0.97387695,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.021988291293382645},{"word":"i","start":1482.6001,"end":1482.68,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006235226988792419},{"word":"do","start":1482.68,"end":1482.8401,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.015975095331668854},{"word":"have","start":1482.8401,"end":1483.0,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.003156773746013642},{"word":"to","start":1483.0,"end":1483.16,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0029554851353168488},{"word":"ask","start":1483.16,"end":1483.2401,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.0020214319229125977},{"word":"you","start":1483.2401,"end":1483.4801,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01881394535303116},{"word":"one","start":1483.4801,"end":1483.64,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.021474186331033707},{"word":"more","start":1483.64,"end":1483.88,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.022569365799427032},{"word":"sort","start":1483.88,"end":1484.04,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.010203123092651367},{"word":"of","start":1484.04,"end":1484.2001,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005597930401563644},{"word":"personal","start":1484.2001,"end":1484.6001,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.009479120373725893},{"word":"question","start":1484.6001,"end":1485.1001,"confidence":0.86157227,"punctuated_word":"question,","sentiment":"neutral","sentiment_score":0.01945905014872551},{"word":"and","start":1485.2401,"end":1485.4,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.018058259040117264},{"word":"it's","start":1485.4,"end":1485.64,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.009120889008045197},{"word":"just","start":1485.64,"end":1485.9601,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.030092637985944748},{"word":"around","start":1485.9601,"end":1486.28,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.00884801521897316},{"word":"the","start":1486.28,"end":1486.4401,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01535072922706604},{"word":"estate","start":1486.4401,"end":1486.76,"confidence":0.9980469,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.0020363926887512207},{"word":"planning","start":1486.76,"end":1487.26,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.06457237154245377},{"word":"in","start":1487.6951,"end":1487.855,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0400545671582222},{"word":"terms","start":1487.855,"end":1488.015,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.0714159607887268},{"word":"of","start":1488.015,"end":1488.495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06685841083526611},{"word":"beneficiary","start":1488.495,"end":1488.995,"confidence":1.0,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.08963403850793839},{"word":"nominations","start":1489.055,"end":1489.555,"confidence":0.9013672,"punctuated_word":"nominations,","sentiment":"neutral","sentiment_score":0.049293458461761475},{"word":"whether","start":1489.615,"end":1489.935,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.0016343742609024048},{"word":"you","start":1489.935,"end":1490.0951,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01703248918056488},{"word":"wanted","start":1490.0951,"end":1490.3351,"confidence":0.9980469,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.01743388921022415},{"word":"to","start":1490.3351,"end":1490.495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01100456714630127},{"word":"still","start":1490.495,"end":1490.735,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.00030434876680374146},{"word":"leave","start":1490.735,"end":1491.235,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.010438024997711182},{"word":"them","start":1491.615,"end":1491.855,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.02735111862421036},{"word":"as","start":1491.855,"end":1492.0951,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02121583372354507},{"word":"is","start":1492.0951,"end":1492.255,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.033020488917827606},{"word":"or","start":1492.255,"end":1492.495,"confidence":0.7397461,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.00016567856073379517},{"word":"if","start":1492.495,"end":1492.655,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.00839621014893055},{"word":"you","start":1492.655,"end":1492.735,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0014675632119178772},{"word":"had","start":1492.735,"end":1492.975,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.002055652439594269},{"word":"someone","start":1492.975,"end":1493.295,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.013812713325023653},{"word":"else","start":1493.295,"end":1493.4551,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.007239013910293579},{"word":"that","start":1493.4551,"end":1493.615,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.005459025502204895},{"word":"you","start":1493.615,"end":1493.775,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.003632977604866028},{"word":"wanted","start":1493.775,"end":1494.0951,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.017713502049446106},{"word":"to","start":1494.0951,"end":1494.175,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0019874274730682373},{"word":"now","start":1494.175,"end":1494.495,"confidence":0.9980469,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.03800735622644424},{"word":"switch","start":1494.495,"end":1494.995,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":-0.012324519455432892},{"word":"for","start":1495.135,"end":1495.375,"confidence":0.63623047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.03621651232242584},{"word":"the","start":1495.375,"end":1495.535,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04465752840042114},{"word":"nomination","start":1495.535,"end":1496.035,"confidence":0.9970703,"punctuated_word":"nomination.","sentiment":"neutral","sentiment_score":-0.04391200467944145},{"word":"yep","start":1517.325,"end":1517.725,"confidence":0.86450195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.30399227142333984},{"word":"in","start":1517.725,"end":1517.965,"confidence":0.87597656,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.24206744134426117},{"word":"next","start":1517.965,"end":1518.205,"confidence":0.65966797,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.22064068913459775},{"word":"meeting","start":1518.205,"end":1518.5249,"confidence":0.99902344,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":0.2816360592842102},{"word":"as","start":1518.5249,"end":1518.605,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.28791987895965576},{"word":"well","start":1518.605,"end":1518.9249,"confidence":0.94018555,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3424989581108093},{"word":"that's","start":1518.9249,"end":1519.1649,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.8253390192985535},{"word":"cool","start":1519.1649,"end":1519.6649,"confidence":1.0,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.7655946016311646},{"word":"i'm","start":1520.125,"end":1520.445,"confidence":0.89746094,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.46028679609298706},{"word":"just","start":1520.445,"end":1520.605,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.40294426679611206},{"word":"putting","start":1520.605,"end":1520.845,"confidence":1.0,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.3803755044937134},{"word":"in","start":1520.845,"end":1521.0049,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3098903298377991},{"word":"here","start":1521.0049,"end":1521.245,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.27569103240966797},{"word":"the","start":1521.245,"end":1521.4049,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29580044746398926},{"word":"500","start":1521.4049,"end":1521.8849,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.27845004200935364},{"word":"a","start":1521.8849,"end":1521.965,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23150593042373657},{"word":"week","start":1521.965,"end":1522.205,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.19494427740573883},{"word":"to","start":1522.205,"end":1522.365,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29393675923347473},{"word":"start","start":1522.365,"end":1522.6849,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.2800285518169403},{"word":"with","start":1522.6849,"end":1523.1849,"confidence":0.7429199,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.32484692335128784},{"word":"and","start":1523.325,"end":1523.565,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21815940737724304},{"word":"then","start":1523.565,"end":1524.065,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12616562843322754},{"word":"anything","start":1524.205,"end":1524.605,"confidence":0.98535156,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.1833529770374298},{"word":"that","start":1524.605,"end":1524.7649,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12649692595005035},{"word":"goes","start":1524.7649,"end":1524.9249,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.13830077648162842},{"word":"in","start":1524.9249,"end":1525.085,"confidence":0.8076172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1371338665485382},{"word":"super","start":1525.085,"end":1525.325,"confidence":0.90844727,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.18445858359336853},{"word":"obviously","start":1525.325,"end":1525.6449,"confidence":0.98657227,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.15609081089496613},{"word":"there's","start":1525.6449,"end":1525.965,"confidence":0.9289551,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1399468183517456},{"word":"the","start":1525.965,"end":1526.205,"confidence":0.7529297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1421622782945633},{"word":"the","start":1526.205,"end":1526.2849,"confidence":0.69433594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13277116417884827},{"word":"15%","start":1526.2849,"end":1527.2649,"confidence":0.9980469,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.14309222996234894},{"word":"that","start":1527.59,"end":1527.75,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11077111959457396},{"word":"comes","start":1527.75,"end":1527.99,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.08335281908512115},{"word":"off","start":1527.99,"end":1528.0701,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.16972824931144714},{"word":"of","start":1528.0701,"end":1528.23,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16449092328548431},{"word":"it","start":1528.23,"end":1528.39,"confidence":0.95825195,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14548344910144806},{"word":"so","start":1528.39,"end":1528.55,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19531965255737305},{"word":"i'm","start":1528.55,"end":1528.71,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.31461435556411743},{"word":"just","start":1528.71,"end":1528.79,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.28844210505485535},{"word":"gonna","start":1528.79,"end":1529.03,"confidence":0.9375,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.3873075246810913},{"word":"work","start":1529.03,"end":1529.27,"confidence":0.99902344,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.3990192115306854},{"word":"that","start":1529.27,"end":1529.35,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.444498211145401},{"word":"off","start":1529.35,"end":1529.67,"confidence":0.96728516,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.30875498056411743},{"word":"get","start":1529.67,"end":1529.75,"confidence":0.9980469,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4121319651603699},{"word":"you","start":1529.75,"end":1529.8301,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3940460681915283},{"word":"a","start":1529.8301,"end":1529.91,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3859039545059204},{"word":"bit","start":1529.91,"end":1530.0701,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2319066226482391},{"word":"more","start":1530.0701,"end":1530.23,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2567470669746399},{"word":"of","start":1530.23,"end":1530.39,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4039952754974365},{"word":"a","start":1530.39,"end":1530.55,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4141353368759155},{"word":"conservative","start":1530.55,"end":1531.05,"confidence":1.0,"punctuated_word":"conservative","sentiment":"positive","sentiment_score":0.3941229581832886},{"word":"projection","start":1531.1901,"end":1531.67,"confidence":0.9970703,"punctuated_word":"projection","sentiment":"positive","sentiment_score":0.3786109685897827},{"word":"here","start":1531.67,"end":1532.17,"confidence":0.98535156,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.3155418038368225},{"word":"and","start":1533.27,"end":1533.51,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3064846992492676},{"word":"i'll","start":1533.51,"end":1533.67,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3709437847137451},{"word":"work","start":1533.67,"end":1533.91,"confidence":1.0,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.35204026103019714},{"word":"my","start":1533.91,"end":1534.0701,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.30585289001464844},{"word":"way","start":1534.0701,"end":1534.31,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.35459062457084656},{"word":"up","start":1534.31,"end":1534.63,"confidence":0.9980469,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.32536232471466064},{"word":"so","start":1534.63,"end":1535.13,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08986200392246246},{"word":"in","start":1535.51,"end":1535.67,"confidence":0.9038086,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0765056386590004},{"word":"terms","start":1535.67,"end":1535.83,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.07800238579511642},{"word":"of","start":1535.83,"end":1535.99,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0663268119096756},{"word":"retirement","start":1535.99,"end":1536.39,"confidence":0.9916992,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.03671124204993248},{"word":"are","start":1536.39,"end":1536.55,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.002972431480884552},{"word":"we","start":1536.55,"end":1536.71,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0053492262959480286},{"word":"still","start":1536.71,"end":1536.87,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.031396880745887756},{"word":"just","start":1536.87,"end":1537.11,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.011854343116283417},{"word":"hitting","start":1537.11,"end":1537.35,"confidence":0.8823242,"punctuated_word":"hitting,","sentiment":"neutral","sentiment_score":0.02141125127673149},{"word":"like","start":1537.35,"end":1537.51,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02264522761106491},{"word":"a","start":1537.51,"end":1537.67,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03468523174524307},{"word":"nice","start":1537.67,"end":1537.91,"confidence":1.0,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.12237394601106644},{"word":"normal","start":1537.91,"end":1538.39,"confidence":0.6323242,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":0.05707869678735733},{"word":"kind","start":1538.39,"end":1538.63,"confidence":0.96777344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.010375484824180605},{"word":"of","start":1538.63,"end":1538.79,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.008395843207836151},{"word":"age","start":1538.79,"end":1539.29,"confidence":0.9941406,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.007795915007591248},{"word":"65","start":1539.35,"end":1540.71,"confidence":0.87768555,"punctuated_word":"65,","sentiment":"neutral","sentiment_score":0.022308841347694397},{"word":"67","start":1540.71,"end":1541.61,"confidence":0.9926758,"punctuated_word":"67?","sentiment":"neutral","sentiment_score":0.00484510650858283},{"word":"okay","start":1548.305,"end":1548.805,"confidence":0.9655762,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0950452834367752},{"word":"this","start":1549.265,"end":1549.765,"confidence":0.9970703,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.07610569894313812},{"word":"alright","start":1550.225,"end":1550.725,"confidence":0.9904785,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.16799621284008026},{"word":"this","start":1550.865,"end":1551.105,"confidence":0.99609375,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.0928892344236374},{"word":"is","start":1551.105,"end":1551.265,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06745487451553345},{"word":"incumbent","start":1551.265,"end":1551.765,"confidence":1.0,"punctuated_word":"incumbent","sentiment":"neutral","sentiment_score":0.13324955105781555},{"word":"on","start":1551.825,"end":1552.145,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.142157644033432},{"word":"you","start":1552.145,"end":1552.385,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22241567075252533},{"word":"getting","start":1552.385,"end":1552.885,"confidence":0.99609375,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.25877946615219116},{"word":"a","start":1553.265,"end":1553.425,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25179895758628845},{"word":"nice","start":1553.425,"end":1553.665,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.4308350384235382},{"word":"high","start":1553.665,"end":1553.905,"confidence":0.94970703,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.3322627544403076},{"word":"growth","start":1553.905,"end":1554.145,"confidence":0.9838867,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.36844268441200256},{"word":"return","start":1554.145,"end":1554.545,"confidence":0.9951172,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.4199843406677246},{"word":"for","start":1554.545,"end":1554.785,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16975262761116028},{"word":"quite","start":1554.785,"end":1555.025,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.20449888706207275},{"word":"a","start":1555.025,"end":1555.105,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1959699988365173},{"word":"while","start":1555.105,"end":1555.585,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.1552988439798355},{"word":"and","start":1555.585,"end":1556.085,"confidence":0.9428711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13227075338363647},{"word":"that","start":1556.4401,"end":1556.68,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17553992569446564},{"word":"level","start":1556.68,"end":1557.0,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.17340169847011566},{"word":"of","start":1557.0,"end":1557.3201,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16518950462341309},{"word":"contributions","start":1557.3201,"end":1557.8201,"confidence":0.9970703,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.21887242794036865},{"word":"for","start":1557.88,"end":1558.04,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1023574247956276},{"word":"quite","start":1558.04,"end":1558.2001,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.11403682827949524},{"word":"a","start":1558.2001,"end":1558.4401,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1153593510389328},{"word":"while","start":1558.4401,"end":1558.92,"confidence":0.8066406,"punctuated_word":"while,","sentiment":"neutral","sentiment_score":0.09313975274562836},{"word":"but","start":1558.92,"end":1559.24,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06540493667125702},{"word":"i'll","start":1559.24,"end":1559.4,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05986660346388817},{"word":"give","start":1559.4,"end":1559.56,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.058326393365859985},{"word":"you","start":1559.56,"end":1559.8,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11094187200069427},{"word":"a","start":1559.8,"end":1559.88,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07010017335414886},{"word":"few","start":1559.88,"end":1560.12,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.07326337695121765},{"word":"rough","start":1560.12,"end":1560.36,"confidence":0.99902344,"punctuated_word":"rough","sentiment":"neutral","sentiment_score":0.050608955323696136},{"word":"figures","start":1560.36,"end":1560.68,"confidence":0.99902344,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.09593363851308824},{"word":"here","start":1560.68,"end":1561.18,"confidence":1.0,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.07430857419967651},{"word":"so","start":1561.3201,"end":1561.72,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05537191405892372},{"word":"let's","start":1561.72,"end":1562.04,"confidence":0.99853516,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.06042588874697685},{"word":"say","start":1562.04,"end":1562.36,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.0724933072924614},{"word":"we","start":1562.36,"end":1562.6,"confidence":0.9589844,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08866573870182037},{"word":"do","start":1562.6,"end":1562.92,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10239389538764954},{"word":"$4.25","start":1562.92,"end":1563.72,"confidence":0.99121094,"punctuated_word":"$4.25","sentiment":"neutral","sentiment_score":0.09364503622055054},{"word":"a","start":1563.72,"end":1563.88,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08101986348628998},{"word":"week","start":1563.88,"end":1564.2001,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.06543393433094025},{"word":"after","start":1564.2001,"end":1564.52,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.08931158483028412},{"word":"tax","start":1564.52,"end":1565.02,"confidence":0.923584,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.07801029086112976},{"word":"that's","start":1565.64,"end":1565.9601,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0962713211774826},{"word":"your","start":1565.9601,"end":1566.28,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1136084794998169},{"word":"your","start":1566.28,"end":1566.6,"confidence":0.92822266,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12201596051454544},{"word":"contributions","start":1566.6,"end":1567.1,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.1481843143701553},{"word":"currently","start":1567.3201,"end":1567.8201,"confidence":0.9082031,"punctuated_word":"currently.","sentiment":"neutral","sentiment_score":0.10377641022205351},{"word":"10%","start":1568.775,"end":1569.415,"confidence":0.9875488,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.1963605135679245},{"word":"benchmark","start":1569.415,"end":1569.915,"confidence":1.0,"punctuated_word":"benchmark","sentiment":"neutral","sentiment_score":0.1637403517961502},{"word":"return","start":1569.9751,"end":1570.295,"confidence":0.9863281,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.26389992237091064},{"word":"for","start":1570.295,"end":1570.535,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1578149050474167},{"word":"high","start":1570.535,"end":1570.775,"confidence":0.9970703,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.2505188584327698},{"word":"growth","start":1570.775,"end":1571.255,"confidence":0.82373047,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.22401288151741028},{"word":"you're","start":1571.255,"end":1571.5751,"confidence":0.92700195,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.0639915019273758},{"word":"kind","start":1571.5751,"end":1571.8151,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.08679598569869995},{"word":"of","start":1571.8151,"end":1572.055,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06817111372947693},{"word":"just","start":1572.055,"end":1572.375,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.12224550545215608},{"word":"getting","start":1572.375,"end":1572.8551,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.16179153323173523},{"word":"shy","start":1572.8551,"end":1573.175,"confidence":0.79418945,"punctuated_word":"shy.","sentiment":"neutral","sentiment_score":-0.14895936846733093},{"word":"you're","start":1573.175,"end":1573.495,"confidence":0.87280273,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.04923583194613457},{"word":"just","start":1573.495,"end":1573.8151,"confidence":0.81347656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06867343187332153},{"word":"hitting","start":1573.8151,"end":1574.055,"confidence":0.96435547,"punctuated_word":"hitting","sentiment":"neutral","sentiment_score":0.029304198920726776},{"word":"a","start":1574.055,"end":1574.2151,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.029079962521791455},{"word":"million","start":1574.2151,"end":1574.535,"confidence":0.99609375,"punctuated_word":"million","sentiment":"neutral","sentiment_score":0.060702987015247345},{"word":"dollars","start":1574.535,"end":1575.035,"confidence":0.9980469,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.08636252582073212},{"word":"at","start":1575.175,"end":1575.495,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02609369158744812},{"word":"65","start":1575.495,"end":1576.3151,"confidence":0.87609863,"punctuated_word":"65.","sentiment":"neutral","sentiment_score":-0.008792495355010033},{"word":"but","start":1576.535,"end":1576.775,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.02715090662240982},{"word":"that","start":1576.775,"end":1577.015,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07230708748102188},{"word":"doesn't","start":1577.015,"end":1577.255,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.07189667224884033},{"word":"take","start":1577.255,"end":1577.495,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.045918822288513184},{"word":"into","start":1577.495,"end":1577.735,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.09893089532852171},{"word":"account","start":1577.735,"end":1578.055,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.06582584232091904},{"word":"a","start":1578.055,"end":1578.2151,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12125693261623384},{"word":"slight","start":1578.2151,"end":1578.7151,"confidence":1.0,"punctuated_word":"slight","sentiment":"neutral","sentiment_score":-0.11866678297519684},{"word":"risk","start":1579.655,"end":1579.895,"confidence":0.83935547,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.2081536501646042},{"word":"reduction","start":1579.895,"end":1580.395,"confidence":1.0,"punctuated_word":"reduction","sentiment":"neutral","sentiment_score":-0.2114429473876953},{"word":"in","start":1580.535,"end":1580.6951,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16722656786441803},{"word":"those","start":1580.6951,"end":1580.935,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.04393935203552246},{"word":"last","start":1580.935,"end":1581.175,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.06136015057563782},{"word":"few","start":1581.175,"end":1581.415,"confidence":0.9980469,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.06595873087644577},{"word":"years","start":1581.415,"end":1581.655,"confidence":0.76708984,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.06033013388514519},{"word":"so","start":1581.655,"end":1581.895,"confidence":0.9790039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04099561646580696},{"word":"call","start":1581.895,"end":1582.135,"confidence":0.9970703,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.0515083409845829},{"word":"it","start":1582.135,"end":1582.535,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07451582700014114},{"word":"$85,900,000","start":1582.535,"end":1584.27,"confidence":0.92852783,"punctuated_word":"$85,900,000","sentiment":"neutral","sentiment_score":0.08438948541879654},{"word":"just","start":1584.75,"end":1584.99,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.026429433375597},{"word":"based","start":1584.99,"end":1585.49,"confidence":0.9760742,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.027786271646618843},{"word":"on","start":1585.9501,"end":1586.2001,"confidence":0.984375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.013865511864423752},{"word":"benchmark","start":1586.2001,"end":1586.7001,"confidence":0.9172363,"punctuated_word":"benchmark.","sentiment":"neutral","sentiment_score":0.013558300212025642},{"word":"yeah","start":1596.8451,"end":1597.3451,"confidence":0.8015137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.043206047266721725},{"word":"if","start":1597.805,"end":1598.125,"confidence":0.99609375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.04746090620756149},{"word":"i","start":1598.125,"end":1598.285,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06118278577923775},{"word":"add","start":1598.285,"end":1598.525,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.07643115520477295},{"word":"that","start":1598.525,"end":1598.765,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06873293220996857},{"word":"in","start":1598.765,"end":1599.0851,"confidence":0.8984375,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.08134651184082031},{"word":"a","start":1599.0851,"end":1599.245,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1044463962316513},{"word":"$188.05","start":1599.245,"end":1600.625,"confidence":0.9914551,"punctuated_word":"$188.05,","sentiment":"neutral","sentiment_score":0.05330650135874748},{"word":"that","start":1602.285,"end":1602.765,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04689648002386093},{"word":"impacts","start":1602.765,"end":1603.265,"confidence":0.99902344,"punctuated_word":"impacts","sentiment":"neutral","sentiment_score":0.13084545731544495},{"word":"things","start":1603.3251,"end":1603.8251,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.11305733770132063},{"word":"by","start":1603.9651,"end":1604.4451,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.07709691673517227},{"word":"another","start":1604.4451,"end":1604.9451,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.08597421646118164},{"word":"2","start":1607.245,"end":1607.485,"confidence":0.99902344,"punctuated_word":"2","sentiment":"neutral","sentiment_score":0.06418880820274353},{"word":"to","start":1607.485,"end":1607.645,"confidence":0.95703125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07777155190706253},{"word":"400,000","start":1607.645,"end":1608.7051,"confidence":0.993571,"punctuated_word":"400,000.","sentiment":"neutral","sentiment_score":0.14685580134391785},{"word":"so","start":1609.03,"end":1609.27,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1932615041732788},{"word":"that","start":1609.27,"end":1609.75,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22481563687324524},{"word":"pretty","start":1609.75,"end":1609.99,"confidence":0.99609375,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.25818952918052673},{"word":"much","start":1609.99,"end":1610.39,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.23826824128627777},{"word":"guarantees","start":1610.39,"end":1610.89,"confidence":1.0,"punctuated_word":"guarantees","sentiment":"neutral","sentiment_score":0.2332697957754135},{"word":"based","start":1611.11,"end":1611.43,"confidence":0.91748047,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.31363195180892944},{"word":"on","start":1611.43,"end":1611.83,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.35131484270095825},{"word":"benchmark","start":1611.83,"end":1612.33,"confidence":0.99902344,"punctuated_word":"benchmark","sentiment":"neutral","sentiment_score":0.2035515010356903},{"word":"return","start":1612.55,"end":1613.05,"confidence":0.9663086,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.2628905773162842},{"word":"your","start":1613.35,"end":1613.59,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2958780825138092},{"word":"contribution","start":1613.59,"end":1614.09,"confidence":1.0,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.19496247172355652},{"word":"level","start":1614.23,"end":1614.55,"confidence":0.98339844,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":0.2300762236118317},{"word":"and","start":1614.55,"end":1614.87,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30385637283325195},{"word":"a","start":1614.87,"end":1614.95,"confidence":0.88183594,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3582906126976013},{"word":"188,000","start":1614.95,"end":1616.25,"confidence":0.99130857,"punctuated_word":"188,000","sentiment":"neutral","sentiment_score":0.28701913356781006},{"word":"balance","start":1616.3099,"end":1616.8099,"confidence":0.99316406,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.30368587374687195},{"word":"that","start":1617.43,"end":1617.75,"confidence":0.8881836,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30832672119140625},{"word":"you","start":1617.75,"end":1617.99,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3333114981651306},{"word":"will","start":1617.99,"end":1618.23,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3378680646419525},{"word":"clear","start":1618.23,"end":1618.55,"confidence":1.0,"punctuated_word":"clear","sentiment":"neutral","sentiment_score":0.26321929693222046},{"word":"that","start":1618.55,"end":1618.87,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31102579832077026},{"word":"mark","start":1618.87,"end":1619.37,"confidence":0.99316406,"punctuated_word":"mark.","sentiment":"neutral","sentiment_score":0.20529267191886905},{"word":"and","start":1621.045,"end":1621.205,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10490809381008148},{"word":"the","start":1621.205,"end":1621.365,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09212592244148254},{"word":"last","start":1621.365,"end":1621.605,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.03769497945904732},{"word":"thing","start":1621.605,"end":1621.845,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.09089802205562592},{"word":"i'm","start":1621.845,"end":1622.005,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0603637658059597},{"word":"gonna","start":1622.005,"end":1622.245,"confidence":0.96533203,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07979108393192291},{"word":"bump","start":1622.245,"end":1622.485,"confidence":0.9980469,"punctuated_word":"bump","sentiment":"neutral","sentiment_score":0.05759558826684952},{"word":"up","start":1622.485,"end":1622.885,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0959649384021759},{"word":"is","start":1622.885,"end":1623.285,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07069435715675354},{"word":"if","start":1623.285,"end":1623.525,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09141543507575987},{"word":"i","start":1623.525,"end":1623.685,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05602199584245682},{"word":"go","start":1623.685,"end":1624.005,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0655970573425293},{"word":"to","start":1624.005,"end":1624.505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05953331291675568},{"word":"32","start":1624.5651,"end":1625.125,"confidence":0.9995117,"punctuated_word":"32","sentiment":"neutral","sentiment_score":0.04254779219627381},{"word":"and","start":1625.125,"end":1625.285,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.023619141429662704},{"word":"a","start":1625.285,"end":1625.4451,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05037312209606171},{"word":"half","start":1625.4451,"end":1625.9451,"confidence":0.8215332,"punctuated_word":"half,","sentiment":"neutral","sentiment_score":0.04980003833770752},{"word":"let's","start":1627.125,"end":1627.365,"confidence":0.99902344,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.07844863831996918},{"word":"call","start":1627.365,"end":1627.605,"confidence":0.9980469,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.0723956972360611},{"word":"it","start":1627.605,"end":1627.765,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07788605988025665},{"word":"$6.25","start":1627.765,"end":1628.825,"confidence":0.9683838,"punctuated_word":"$6.25.","sentiment":"neutral","sentiment_score":0.07420487701892853},{"word":"bump","start":1630.645,"end":1630.885,"confidence":0.74853516,"punctuated_word":"Bump","sentiment":"neutral","sentiment_score":0.14542384445667267},{"word":"that","start":1630.885,"end":1631.125,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10403319448232652},{"word":"in","start":1631.125,"end":1631.285,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11419305205345154},{"word":"there","start":1631.285,"end":1631.785,"confidence":0.9904785,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.124424010515213},{"word":"the","start":1631.925,"end":1632.085,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.03199958801269531},{"word":"extra","start":1632.085,"end":1632.485,"confidence":0.99902344,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.009515821933746338},{"word":"contributions","start":1632.485,"end":1632.985,"confidence":0.9970703,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.006620943546295166},{"word":"impacts","start":1633.205,"end":1633.685,"confidence":0.97265625,"punctuated_word":"impacts","sentiment":"neutral","sentiment_score":0.1590167135000229},{"word":"it","start":1633.685,"end":1633.925,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09477615356445312},{"word":"by","start":1633.925,"end":1634.425,"confidence":0.9970703,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.08844344317913055},{"word":"from","start":1634.485,"end":1634.805,"confidence":0.875,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05579588562250137},{"word":"about","start":1634.805,"end":1635.045,"confidence":0.96240234,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04158919304609299},{"word":"1.4","start":1635.045,"end":1636.105,"confidence":0.9996745,"punctuated_word":"1.4","sentiment":"neutral","sentiment_score":0.042160388082265854},{"word":"to","start":1636.6799,"end":1636.9199,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.019790776073932648},{"word":"1.6","start":1636.9199,"end":1637.8999,"confidence":0.9814453,"punctuated_word":"1.6.","sentiment":"neutral","sentiment_score":0.0008136522374115884},{"word":"so","start":1637.96,"end":1638.2,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10111252963542938},{"word":"getting","start":1638.2,"end":1638.44,"confidence":0.5571289,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.13214190304279327},{"word":"that","start":1638.44,"end":1638.6799,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14252926409244537},{"word":"32","start":1638.6799,"end":1639.08,"confidence":0.99902344,"punctuated_word":"32","sentiment":"neutral","sentiment_score":0.13975338637828827},{"word":"and","start":1639.08,"end":1639.24,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10680703818798064},{"word":"a","start":1639.24,"end":1639.32,"confidence":0.9760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15007108449935913},{"word":"half","start":1639.32,"end":1639.48,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.1515737026929855},{"word":"in","start":1639.48,"end":1639.5599,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1579369604587555},{"word":"there","start":1639.5599,"end":1639.7999,"confidence":0.9746094,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.15968257188796997},{"word":"that's","start":1639.7999,"end":1639.96,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1875358819961548},{"word":"another","start":1639.96,"end":1640.2799,"confidence":0.96777344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.16808266937732697},{"word":"couple","start":1640.2799,"end":1640.6,"confidence":0.9980469,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.14942489564418793},{"word":"of","start":1640.6,"end":1640.6799,"confidence":0.65966797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2055905759334564},{"word":"100,000","start":1640.6799,"end":1641.5,"confidence":0.9908447,"punctuated_word":"100,000.","sentiment":"neutral","sentiment_score":0.1643301397562027},{"word":"and","start":1642.6,"end":1642.84,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10756126046180724},{"word":"then","start":1642.84,"end":1643.08,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07409264892339706},{"word":"for","start":1643.08,"end":1643.32,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08869705349206924},{"word":"every","start":1643.32,"end":1643.82,"confidence":0.9980469,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.057773519307374954},{"word":"1%","start":1643.8799,"end":1644.62,"confidence":1.0,"punctuated_word":"1%","sentiment":"neutral","sentiment_score":0.10049112141132356},{"word":"over","start":1644.6799,"end":1645.0,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.11223936080932616},{"word":"that","start":1645.0,"end":1645.5,"confidence":0.97998047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11669835448265076},{"word":"is","start":1645.7999,"end":1646.0399,"confidence":0.9003906,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1078820824623108},{"word":"another","start":1646.0399,"end":1646.5399,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.1102001741528511},{"word":"200,000","start":1647.96,"end":1649.0199,"confidence":0.99902344,"punctuated_word":"200,000.","sentiment":"neutral","sentiment_score":0.12732893228530884},{"word":"so","start":1649.8251,"end":1650.145,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14054523408412933},{"word":"as","start":1650.145,"end":1650.305,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11967691034078598},{"word":"long","start":1650.305,"end":1650.545,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.1175122857093811},{"word":"as","start":1650.545,"end":1650.705,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1344810575246811},{"word":"we're","start":1650.705,"end":1650.9451,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.15679831802845},{"word":"getting","start":1650.9451,"end":1651.425,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.15720736980438232},{"word":"at","start":1651.425,"end":1651.585,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14901551604270935},{"word":"least","start":1651.585,"end":1652.0651,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.13215593993663788},{"word":"10%","start":1652.0651,"end":1652.705,"confidence":0.9995117,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.18511229753494263},{"word":"return","start":1652.705,"end":1653.205,"confidence":0.89624023,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.15728506445884705},{"word":"current","start":1653.905,"end":1654.225,"confidence":0.98535156,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.07530378550291061},{"word":"contributions","start":1654.225,"end":1654.725,"confidence":0.99609375,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.09345243871212006},{"word":"and","start":1654.9451,"end":1655.185,"confidence":0.6689453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0913863405585289},{"word":"a","start":1655.185,"end":1655.265,"confidence":0.9580078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1153322234749794},{"word":"188,000","start":1655.265,"end":1656.805,"confidence":0.9911133,"punctuated_word":"188,000,","sentiment":"neutral","sentiment_score":0.07433633506298065},{"word":"it","start":1657.425,"end":1657.925,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07569004595279694},{"word":"it's","start":1658.705,"end":1658.9451,"confidence":0.99194336,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06211574003100395},{"word":"this","start":1658.9451,"end":1659.4451,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0619208849966526},{"word":"weird","start":1659.505,"end":1659.905,"confidence":1.0,"punctuated_word":"weird","sentiment":"neutral","sentiment_score":0.014076601713895798},{"word":"trade","start":1659.905,"end":1660.225,"confidence":1.0,"punctuated_word":"trade","sentiment":"neutral","sentiment_score":0.011896073818206789},{"word":"off","start":1660.225,"end":1660.385,"confidence":0.99316406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":6.251037120819092e-6},{"word":"where","start":1660.385,"end":1660.885,"confidence":0.9902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.008157109841704369},{"word":"the","start":1660.9451,"end":1661.185,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01754775084555149},{"word":"last","start":1661.185,"end":1661.425,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.00587066262960434},{"word":"ten","start":1661.425,"end":1661.665,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.022703062742948532},{"word":"years","start":1661.665,"end":1661.985,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.02782636135816574},{"word":"going","start":1661.985,"end":1662.225,"confidence":0.88183594,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.05247531831264496},{"word":"from","start":1662.225,"end":1662.465,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.06151392310857773},{"word":"51","start":1662.465,"end":1662.865,"confidence":0.9995117,"punctuated_word":"51","sentiment":"neutral","sentiment_score":0.06352049857378006},{"word":"to","start":1662.865,"end":1663.025,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0435926616191864},{"word":"60","start":1663.025,"end":1663.345,"confidence":0.84277344,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.06750589609146118},{"word":"is","start":1663.345,"end":1663.505,"confidence":0.80322266,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.055774908512830734},{"word":"where","start":1663.505,"end":1663.665,"confidence":0.9941406,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.03288168087601662},{"word":"it","start":1663.665,"end":1663.8251,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06647258251905441},{"word":"ramps","start":1663.8251,"end":1664.0651,"confidence":0.99902344,"punctuated_word":"ramps","sentiment":"neutral","sentiment_score":0.08393481373786926},{"word":"up","start":1664.0651,"end":1664.31,"confidence":0.9951172,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0904543548822403},{"word":"to","start":1664.31,"end":1664.4701,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08460257947444916},{"word":"that","start":1664.4701,"end":1664.63,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09571269154548644},{"word":"million","start":1664.63,"end":1665.03,"confidence":0.9501953,"punctuated_word":"million,","sentiment":"neutral","sentiment_score":0.06892693042755127},{"word":"1","start":1665.03,"end":1665.27,"confidence":0.99902344,"punctuated_word":"1","sentiment":"neutral","sentiment_score":0.06670600175857544},{"word":"0.2","start":1665.27,"end":1665.8301,"confidence":0.9970703,"punctuated_word":"0.2,","sentiment":"neutral","sentiment_score":0.044893570244312286},{"word":"1.4","start":1665.8301,"end":1666.63,"confidence":0.9727376,"punctuated_word":"1.4,","sentiment":"neutral","sentiment_score":0.0379844605922699},{"word":"or","start":1666.63,"end":1667.03,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02611805684864521},{"word":"800","start":1667.03,"end":1667.77,"confidence":0.91345215,"punctuated_word":"800.","sentiment":"neutral","sentiment_score":0.046485476195812225},{"word":"and","start":1668.4701,"end":1668.7101,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04057799279689789},{"word":"then","start":1668.7101,"end":1668.8701,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04329029843211174},{"word":"you've","start":1668.8701,"end":1669.1101,"confidence":0.99365234,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.048737943172454834},{"word":"got","start":1669.1101,"end":1669.27,"confidence":0.6484375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03183569386601448},{"word":"to","start":1669.27,"end":1669.3501,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.031443119049072266},{"word":"kind","start":1669.3501,"end":1669.5901,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04717437922954559},{"word":"of","start":1669.5901,"end":1669.75,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04192069172859192},{"word":"turn","start":1669.75,"end":1669.9901,"confidence":0.99902344,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.02847745642066002},{"word":"the","start":1669.9901,"end":1670.15,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03006848320364952},{"word":"risk","start":1670.15,"end":1670.39,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.0036599040031433105},{"word":"off","start":1670.39,"end":1670.55,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.010585255920886992},{"word":"so","start":1670.55,"end":1670.7101,"confidence":0.9326172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.029349982738494873},{"word":"you","start":1670.7101,"end":1670.79,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05014629662036896},{"word":"don't","start":1670.79,"end":1670.9501,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.016620231792330742},{"word":"just","start":1670.9501,"end":1671.1901,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.013987064361572266},{"word":"lose","start":1671.1901,"end":1671.3501,"confidence":1.0,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.0414152666926384},{"word":"it","start":1671.3501,"end":1671.51,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0122169591486454},{"word":"all","start":1671.51,"end":1671.5901,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0007776543498039246},{"word":"when","start":1671.5901,"end":1671.75,"confidence":0.51171875,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.023640453815460205},{"word":"the","start":1671.75,"end":1671.91,"confidence":0.88671875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0280425064265728},{"word":"stock","start":1671.91,"end":1672.15,"confidence":0.99902344,"punctuated_word":"stock","sentiment":"neutral","sentiment_score":-0.05184340476989746},{"word":"market","start":1672.15,"end":1672.39,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.05669474974274635},{"word":"crash","start":1672.39,"end":1672.7101,"confidence":0.61376953,"punctuated_word":"crash","sentiment":"neutral","sentiment_score":-0.024574778974056244},{"word":"at","start":1672.7101,"end":1672.8701,"confidence":0.9550781,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.012179099023342133},{"word":"63","start":1672.8701,"end":1673.77,"confidence":1.0,"punctuated_word":"63.","sentiment":"neutral","sentiment_score":0.015159999951720238},{"word":"yep","start":1675.1101,"end":1675.6101,"confidence":0.9206543,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13957026600837708},{"word":"but","start":1675.67,"end":1676.0701,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.16246117651462555},{"word":"that","start":1676.0701,"end":1676.2301,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2164289504289627},{"word":"level","start":1676.2301,"end":1676.4701,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.17939072847366333},{"word":"of","start":1676.4701,"end":1676.7101,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22458745539188385},{"word":"contributions","start":1676.7101,"end":1677.2101,"confidence":0.90771484,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.23903143405914307},{"word":"high","start":1677.51,"end":1677.75,"confidence":0.99902344,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.3885941803455353},{"word":"growth","start":1677.75,"end":1678.0701,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.433919370174408},{"word":"in","start":1678.0701,"end":1678.2301,"confidence":0.7167969,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3460516333580017},{"word":"that","start":1678.2301,"end":1678.395,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2864904999732971},{"word":"balance","start":1678.475,"end":1678.675,"confidence":0.9863281,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.2912352681159973},{"word":"you","start":1678.675,"end":1678.875,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3386073410511017},{"word":"have","start":1678.875,"end":1679.115,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2978120446205139},{"word":"a","start":1679.115,"end":1679.435,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3052676320075989},{"word":"really","start":1679.435,"end":1679.835,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.31772926449775696},{"word":"strong","start":1679.835,"end":1680.235,"confidence":1.0,"punctuated_word":"strong","sentiment":"neutral","sentiment_score":0.3016175329685211},{"word":"way","start":1680.235,"end":1680.735,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.30052345991134644},{"word":"to","start":1681.035,"end":1681.275,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.33382904529571533},{"word":"catch","start":1681.275,"end":1681.595,"confidence":1.0,"punctuated_word":"catch","sentiment":"positive","sentiment_score":0.4014414846897125},{"word":"that","start":1681.595,"end":1681.835,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27513089776039124},{"word":"right","start":1681.835,"end":1682.0751,"confidence":0.97265625,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.2919095456600189},{"word":"up","start":1682.0751,"end":1682.5751,"confidence":0.98291016,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.23842580616474152},{"word":"and","start":1682.635,"end":1682.875,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1211427003145218},{"word":"even","start":1682.875,"end":1683.1951,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.10123786330223083},{"word":"if","start":1683.1951,"end":1683.275,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07380595058202744},{"word":"we","start":1683.275,"end":1683.515,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08293754607439041},{"word":"did","start":1683.515,"end":1683.915,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04163330793380737},{"word":"a","start":1683.915,"end":1684.415,"confidence":0.7944336,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.057234566658735275},{"word":"let's","start":1684.795,"end":1685.035,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.04475373029708862},{"word":"say","start":1685.035,"end":1685.275,"confidence":0.95996094,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.04758395254611969},{"word":"work","start":1685.275,"end":1685.515,"confidence":0.9086914,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.03748311847448349},{"word":"had","start":1685.515,"end":1685.675,"confidence":0.93115234,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.006945177912712097},{"word":"to","start":1685.675,"end":1685.835,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00948459655046463},{"word":"slow","start":1685.835,"end":1686.0751,"confidence":0.9741211,"punctuated_word":"slow","sentiment":"neutral","sentiment_score":0.02606997638940811},{"word":"down","start":1686.0751,"end":1686.3151,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.004862077534198761},{"word":"for","start":1686.3151,"end":1686.475,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.022997383028268818},{"word":"two","start":1686.475,"end":1686.635,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.011765949428081512},{"word":"years","start":1686.635,"end":1686.9551,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.007638216018676758},{"word":"between","start":1686.9551,"end":1687.435,"confidence":0.9667969,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.009318899363279344},{"word":"'60","start":1687.435,"end":1687.675,"confidence":0.9980469,"punctuated_word":"'60","sentiment":"neutral","sentiment_score":0.020260635763406754},{"word":"and","start":1687.675,"end":1687.915,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.022516094148159027},{"word":"'62","start":1687.915,"end":1688.895,"confidence":0.99572754,"punctuated_word":"'62,","sentiment":"neutral","sentiment_score":0.04154909774661064},{"word":"we","start":1689.035,"end":1689.1951,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09206689894199371},{"word":"can","start":1689.1951,"end":1689.355,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1109042465686798},{"word":"do","start":1689.355,"end":1689.435,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10844741761684418},{"word":"a","start":1689.435,"end":1689.595,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09508008509874344},{"word":"transition","start":1689.595,"end":1690.095,"confidence":1.0,"punctuated_word":"transition","sentiment":"neutral","sentiment_score":0.09535963088274002},{"word":"to","start":1690.155,"end":1690.395,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09256228059530258},{"word":"retirement","start":1690.395,"end":1690.895,"confidence":0.9980469,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.05498760938644409},{"word":"strategy","start":1691.0,"end":1691.3201,"confidence":0.7043457,"punctuated_word":"strategy.","sentiment":"neutral","sentiment_score":0.07916265726089478},{"word":"so","start":1691.3201,"end":1691.3601,"confidence":0.95947266,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11419617384672164},{"word":"you","start":1691.3601,"end":1691.4,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1361372023820877},{"word":"can","start":1691.4,"end":1691.64,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12361617386341096},{"word":"take","start":1691.64,"end":1691.88,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.15428674221038818},{"word":"some","start":1691.88,"end":1691.9601,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10747282207012177},{"word":"money","start":1691.9601,"end":1692.2001,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.11866073310375214},{"word":"out","start":1692.2001,"end":1692.36,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1274467408657074},{"word":"of","start":1692.36,"end":1692.52,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12032808363437653},{"word":"super","start":1692.52,"end":1692.76,"confidence":0.99121094,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16657966375350952},{"word":"and","start":1692.76,"end":1692.92,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14147242903709412},{"word":"put","start":1692.92,"end":1693.0801,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1796262562274933},{"word":"it","start":1693.0801,"end":1693.16,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16787980496883392},{"word":"back","start":1693.16,"end":1693.4,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.155652716755867},{"word":"in","start":1693.4,"end":1693.56,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13440059125423431},{"word":"again","start":1693.56,"end":1693.8,"confidence":0.99902344,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.15309105813503265},{"word":"for","start":1693.8,"end":1693.96,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13854888081550598},{"word":"a","start":1693.96,"end":1694.12,"confidence":0.6660156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14298921823501587},{"word":"deduction","start":1694.12,"end":1694.62,"confidence":1.0,"punctuated_word":"deduction","sentiment":"neutral","sentiment_score":0.12804362177848816},{"word":"and","start":1694.8401,"end":1695.0801,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1203983947634697},{"word":"boost","start":1695.0801,"end":1695.3201,"confidence":0.9980469,"punctuated_word":"boost","sentiment":"neutral","sentiment_score":0.1885684579610825},{"word":"it","start":1695.3201,"end":1695.4,"confidence":0.9838867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1961442232131958},{"word":"up","start":1695.4,"end":1695.64,"confidence":0.8574219,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1741941124200821},{"word":"a","start":1695.64,"end":1695.7201,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15169736742973328},{"word":"little","start":1695.7201,"end":1695.9601,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.15556582808494568},{"word":"extra","start":1695.9601,"end":1696.28,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.14504073560237885},{"word":"that","start":1696.28,"end":1696.4401,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12268821150064468},{"word":"way","start":1696.4401,"end":1696.9401,"confidence":0.9995117,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.10099366307258606},{"word":"there's","start":1697.88,"end":1698.2001,"confidence":0.88134766,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.10188928246498108},{"word":"a","start":1698.2001,"end":1698.28,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11036352068185806},{"word":"few","start":1698.28,"end":1698.52,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.08423560112714767},{"word":"things","start":1698.52,"end":1698.76,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0939725786447525},{"word":"that","start":1698.76,"end":1698.92,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11327940970659256},{"word":"we","start":1698.92,"end":1699.0801,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08188775181770325},{"word":"can","start":1699.0801,"end":1699.3201,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09303312003612518},{"word":"do","start":1699.3201,"end":1699.8201,"confidence":0.9790039,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.09070467948913574},{"word":"so","start":1701.88,"end":1702.28,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17118248343467712},{"word":"looking","start":1702.28,"end":1702.52,"confidence":0.890625,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.275258332490921},{"word":"pretty","start":1702.52,"end":1702.76,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.22958800196647644},{"word":"good","start":1702.76,"end":1703.0,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.21592769026756287},{"word":"as","start":1703.0,"end":1703.16,"confidence":0.96435547,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2090490758419037},{"word":"long","start":1703.16,"end":1703.4,"confidence":0.9970703,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.20519915223121643},{"word":"as","start":1703.4,"end":1703.4801,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2219327837228775},{"word":"we","start":1703.4801,"end":1703.56,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.20067864656448364},{"word":"can","start":1703.56,"end":1703.8,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21958838403224945},{"word":"maintain","start":1703.8,"end":1704.3,"confidence":1.0,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.18048346042633057},{"word":"that","start":1704.36,"end":1704.76,"confidence":0.91064453,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.17702247202396393},{"word":"but","start":1704.76,"end":1704.92,"confidence":0.9453125,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.05196861922740936},{"word":"again","start":1704.92,"end":1705.42,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.06204349547624588},{"word":"it's","start":1705.715,"end":1705.875,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.069911889731884},{"word":"pretty","start":1705.875,"end":1706.115,"confidence":0.9951172,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.07262219488620758},{"word":"much","start":1706.115,"end":1706.355,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.08872286230325699},{"word":"just","start":1706.355,"end":1706.515,"confidence":0.92578125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08838789165019989},{"word":"gonna","start":1706.515,"end":1706.675,"confidence":0.90722656,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08933471143245697},{"word":"be","start":1706.675,"end":1706.835,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0852193683385849},{"word":"every","start":1706.835,"end":1707.075,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.059112682938575745},{"word":"year","start":1707.075,"end":1707.3151,"confidence":0.91625977,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.0654219388961792},{"word":"we","start":1707.3151,"end":1707.395,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.040744371712207794},{"word":"just","start":1707.395,"end":1707.635,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04647160321474075},{"word":"have","start":1707.635,"end":1707.795,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03498993068933487},{"word":"an","start":1707.795,"end":1707.955,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.032527897506952286},{"word":"updated","start":1707.955,"end":1708.355,"confidence":0.9941406,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.040183354169130325},{"word":"discussion","start":1708.355,"end":1708.855,"confidence":1.0,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.03879217803478241},{"word":"what's","start":1709.155,"end":1709.475,"confidence":0.71398926,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.022881679236888885},{"word":"going","start":1709.475,"end":1709.635,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.04525473713874817},{"word":"on","start":1709.635,"end":1709.875,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.036219485104084015},{"word":"in","start":1709.875,"end":1709.955,"confidence":0.82910156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03416678309440613},{"word":"the","start":1709.955,"end":1710.115,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02707800827920437},{"word":"markets","start":1710.115,"end":1710.615,"confidence":0.90283203,"punctuated_word":"markets,","sentiment":"neutral","sentiment_score":0.03505481779575348},{"word":"what","start":1710.755,"end":1710.915,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02527496963739395},{"word":"do","start":1710.915,"end":1711.075,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.00021305307745933533},{"word":"we","start":1711.075,"end":1711.235,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.028774499893188477},{"word":"need","start":1711.235,"end":1711.395,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.03354501724243164},{"word":"to","start":1711.395,"end":1711.555,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04125424474477768},{"word":"fine","start":1711.555,"end":1711.875,"confidence":0.9863281,"punctuated_word":"fine","sentiment":"neutral","sentiment_score":0.03712119162082672},{"word":"tune","start":1711.875,"end":1712.375,"confidence":0.9177246,"punctuated_word":"tune,","sentiment":"neutral","sentiment_score":0.05692318081855774},{"word":"and","start":1712.515,"end":1713.015,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0608503594994545},{"word":"your","start":1713.075,"end":1713.395,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0532810315489769},{"word":"outcome","start":1713.395,"end":1713.795,"confidence":1.0,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":0.07002325356006622},{"word":"is","start":1713.795,"end":1713.955,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0662631168961525},{"word":"gonna","start":1713.955,"end":1714.1951,"confidence":0.94628906,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0781870111823082},{"word":"be","start":1714.1951,"end":1714.355,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08843335509300232},{"word":"somewhere","start":1714.355,"end":1714.755,"confidence":1.0,"punctuated_word":"somewhere","sentiment":"neutral","sentiment_score":0.059704702347517014},{"word":"between","start":1714.755,"end":1715.075,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.06315160542726517},{"word":"$8.50","start":1715.075,"end":1715.635,"confidence":0.9995117,"punctuated_word":"$8.50","sentiment":"neutral","sentiment_score":0.04700953885912895},{"word":"1.4","start":1715.635,"end":1716.775,"confidence":0.9991455,"punctuated_word":"1.4.","sentiment":"neutral","sentiment_score":0.03929324448108673},{"word":"yeah","start":1725.09,"end":1725.59,"confidence":0.82666016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09977583587169649},{"word":"cool","start":1728.13,"end":1728.63,"confidence":0.85498047,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4305075407028198},{"word":"so","start":1728.6901,"end":1728.93,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2008756846189499},{"word":"i've","start":1728.93,"end":1729.17,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1989445388317108},{"word":"got","start":1729.17,"end":1729.25,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1766607165336609},{"word":"a","start":1729.25,"end":1729.3301,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14522352814674375},{"word":"bit","start":1729.3301,"end":1729.49,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13465680181980133},{"word":"of","start":1729.49,"end":1729.65,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17620499432086945},{"word":"a","start":1729.65,"end":1729.73,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16296440362930298},{"word":"game","start":1729.73,"end":1729.97,"confidence":1.0,"punctuated_word":"game","sentiment":"neutral","sentiment_score":0.14108888804912567},{"word":"plan","start":1729.97,"end":1730.47,"confidence":0.9995117,"punctuated_word":"plan.","sentiment":"neutral","sentiment_score":0.14185716211795807},{"word":"does","start":1731.045,"end":1731.285,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.07147353142499924},{"word":"all","start":1731.285,"end":1731.4451,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.116793654859066},{"word":"that","start":1731.4451,"end":1731.525,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13477987051010132},{"word":"kind","start":1731.525,"end":1731.8451,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1203952580690384},{"word":"of","start":1731.8451,"end":1731.925,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09270766377449036},{"word":"make","start":1731.925,"end":1732.165,"confidence":0.94384766,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08611498773097992},{"word":"sense","start":1732.165,"end":1732.3251,"confidence":1.0,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.08339934051036835},{"word":"to","start":1732.3251,"end":1732.485,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07714679092168808},{"word":"start","start":1732.485,"end":1732.7251,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.09971976280212402},{"word":"with","start":1732.7251,"end":1732.885,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1092209666967392},{"word":"while","start":1732.885,"end":1733.125,"confidence":0.99902344,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.10057826340198515},{"word":"i","start":1733.125,"end":1733.2051,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13092206418514252},{"word":"build","start":1733.2051,"end":1733.4451,"confidence":1.0,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.15046386420726776},{"word":"the","start":1733.4451,"end":1733.6051,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1500542163848877},{"word":"plan","start":1733.6051,"end":1733.8451,"confidence":1.0,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.13176599144935608},{"word":"and","start":1733.8451,"end":1734.005,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11539436876773834},{"word":"do","start":1734.005,"end":1734.165,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.102702334523201},{"word":"the","start":1734.165,"end":1734.3251,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12592019140720367},{"word":"research","start":1734.3251,"end":1734.8251,"confidence":0.9995117,"punctuated_word":"research?","sentiment":"neutral","sentiment_score":0.14273346960544586},{"word":"awesome","start":1737.365,"end":1737.865,"confidence":0.99609375,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.5839992761611938},{"word":"from","start":1738.245,"end":1738.485,"confidence":0.9838867,"punctuated_word":"From","sentiment":"neutral","sentiment_score":0.21915359795093536},{"word":"here","start":1738.485,"end":1738.985,"confidence":0.9995117,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.1498732566833496},{"word":"i'm","start":1739.045,"end":1739.365,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.15919572114944458},{"word":"actually","start":1739.365,"end":1739.8451,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1012493222951889},{"word":"about","start":1739.8451,"end":1740.245,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10748638957738876},{"word":"to","start":1740.245,"end":1740.3251,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1053588017821312},{"word":"go","start":1740.3251,"end":1740.485,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10988081991672516},{"word":"on","start":1740.485,"end":1740.7251,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13030476868152618},{"word":"leave","start":1740.7251,"end":1741.045,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.1142214611172676},{"word":"for","start":1741.045,"end":1741.2051,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08814646303653717},{"word":"two","start":1741.2051,"end":1741.365,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.10737686604261398},{"word":"weeks","start":1741.365,"end":1741.765,"confidence":0.9975586,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":0.11633547395467758},{"word":"i'm","start":1741.765,"end":1742.005,"confidence":0.9890137,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12037678062915802},{"word":"having","start":1742.005,"end":1742.245,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.13675542175769806},{"word":"a","start":1742.245,"end":1742.485,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.168590247631073},{"word":"my","start":1743.765,"end":1743.925,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.14899176359176636},{"word":"third","start":1743.925,"end":1744.245,"confidence":1.0,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.1681935042142868},{"word":"baby","start":1744.245,"end":1744.645,"confidence":1.0,"punctuated_word":"baby","sentiment":"neutral","sentiment_score":0.13769271969795227},{"word":"is","start":1744.645,"end":1744.805,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2167137116193771},{"word":"due","start":1744.805,"end":1745.305,"confidence":0.9970703,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.1933624297380447},{"word":"next","start":1745.4451,"end":1745.685,"confidence":0.96240234,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.16178034245967865},{"word":"week","start":1745.685,"end":1746.185,"confidence":0.9770508,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.1651012897491455},{"word":"thank","start":1746.9801,"end":1747.3,"confidence":0.99121094,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6331877708435059},{"word":"you","start":1747.3,"end":1747.78,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13028255105018616},{"word":"so","start":1747.78,"end":1748.18,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08979316800832748},{"word":"two","start":1748.18,"end":1748.3401,"confidence":0.99609375,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.11392670124769212},{"word":"boys","start":1748.3401,"end":1748.66,"confidence":0.87719727,"punctuated_word":"boys,","sentiment":"neutral","sentiment_score":0.12568825483322144},{"word":"and","start":1748.66,"end":1748.74,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1375700831413269},{"word":"i've","start":1748.74,"end":1748.8201,"confidence":0.88549805,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.15470248460769653},{"word":"got","start":1748.8201,"end":1748.9801,"confidence":0.97802734,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.17109452188014984},{"word":"a","start":1748.9801,"end":1749.06,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14738205075263977},{"word":"girl","start":1749.06,"end":1749.3,"confidence":0.99316406,"punctuated_word":"girl","sentiment":"neutral","sentiment_score":0.13787773251533508},{"word":"on","start":1749.3,"end":1749.4601,"confidence":0.9902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1509944647550583},{"word":"the","start":1749.4601,"end":1749.54,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15155096352100372},{"word":"way","start":1749.54,"end":1749.7001,"confidence":0.9692383,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.10862868279218674},{"word":"so","start":1749.7001,"end":1749.9401,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08642913401126862},{"word":"i'll","start":1749.9401,"end":1750.1001,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09154164046049118},{"word":"be","start":1750.1001,"end":1750.18,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07059482485055923},{"word":"on","start":1750.18,"end":1750.42,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0691058561205864},{"word":"paternity","start":1750.42,"end":1750.9,"confidence":0.9941406,"punctuated_word":"paternity","sentiment":"neutral","sentiment_score":0.07588739693164825},{"word":"leave","start":1750.9,"end":1751.14,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.043186359107494354},{"word":"for","start":1751.14,"end":1751.38,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.046264663338661194},{"word":"a","start":1751.38,"end":1751.54,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06313177943229675},{"word":"fortnight","start":1751.54,"end":1752.04,"confidence":0.7753906,"punctuated_word":"fortnight,","sentiment":"neutral","sentiment_score":0.048676617443561554},{"word":"and","start":1752.1001,"end":1752.3401,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0422963947057724},{"word":"then","start":1752.3401,"end":1752.8401,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04547415301203728},{"word":"that's","start":1753.2201,"end":1753.54,"confidence":0.98999023,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0350031815469265},{"word":"basically","start":1753.54,"end":1754.02,"confidence":0.98828125,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.035727836191654205},{"word":"what","start":1754.02,"end":1754.18,"confidence":0.9375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.029394609853625298},{"word":"when","start":1754.26,"end":1754.42,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.030002720654010773},{"word":"the","start":1754.42,"end":1754.5801,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.054631441831588745},{"word":"team","start":1754.5801,"end":1754.74,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.05946958810091019},{"word":"does","start":1754.74,"end":1754.9801,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.05475286394357681},{"word":"the","start":1754.9801,"end":1755.14,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06436853110790253},{"word":"research","start":1755.14,"end":1755.54,"confidence":1.0,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.06009699031710625},{"word":"while","start":1755.54,"end":1755.78,"confidence":0.9980469,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.03424055874347687},{"word":"i'm","start":1755.78,"end":1755.86,"confidence":0.8737793,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03256073594093323},{"word":"away","start":1755.86,"end":1756.3401,"confidence":0.8671875,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":0.06961892545223236},{"word":"and","start":1756.3401,"end":1756.5,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1363491415977478},{"word":"then","start":1756.5,"end":1756.66,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14285798370838165},{"word":"i'll","start":1756.66,"end":1756.9,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.21073326468467712},{"word":"build","start":1756.9,"end":1757.14,"confidence":0.97265625,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.25067129731178284},{"word":"that","start":1757.14,"end":1757.38,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3046616315841675},{"word":"plan","start":1757.38,"end":1757.86,"confidence":0.9428711,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":0.2492624819278717},{"word":"and","start":1757.86,"end":1758.1001,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2352236211299896},{"word":"they'll","start":1758.1001,"end":1758.42,"confidence":0.9916992,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.27590006589889526},{"word":"book","start":1758.42,"end":1758.66,"confidence":0.7939453,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.3032721281051636},{"word":"you","start":1758.66,"end":1758.8201,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2735976278781891},{"word":"in","start":1758.8201,"end":1759.3,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2546536922454834},{"word":"to","start":1759.3,"end":1759.4601,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2666133940219879},{"word":"go","start":1759.4601,"end":1759.62,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.22761741280555725},{"word":"through","start":1759.62,"end":1759.86,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2289080321788788},{"word":"it","start":1759.86,"end":1760.02,"confidence":0.9589844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3146987557411194},{"word":"with","start":1760.02,"end":1760.18,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19488388299942017},{"word":"me","start":1760.18,"end":1760.5801,"confidence":0.8647461,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.1788712739944458},{"word":"and","start":1760.5801,"end":1760.66,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11837701499462128},{"word":"then","start":1760.66,"end":1760.9,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09332065284252168},{"word":"we'll","start":1760.9,"end":1761.06,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.09965074062347412},{"word":"do","start":1761.06,"end":1761.2201,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07713700830936432},{"word":"another","start":1761.2201,"end":1761.62,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.05882292240858078},{"word":"catch","start":1761.62,"end":1761.9401,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.05426777899265289},{"word":"up","start":1761.9401,"end":1762.395,"confidence":0.9926758,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.05152726545929909},{"word":"you","start":1762.475,"end":1762.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04103000462055206},{"word":"know","start":1762.555,"end":1762.875,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05819758027791977},{"word":"six","start":1762.875,"end":1763.1951,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.03943469747900963},{"word":"months","start":1763.1951,"end":1763.435,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.04788791388273239},{"word":"later","start":1763.435,"end":1763.755,"confidence":0.99902344,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.045750752091407776},{"word":"to","start":1763.755,"end":1763.835,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0752689465880394},{"word":"go","start":1763.835,"end":1764.0751,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06538484245538712},{"word":"through","start":1764.0751,"end":1764.395,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07026143372058868},{"word":"steps","start":1764.395,"end":1764.795,"confidence":0.9941406,"punctuated_word":"steps","sentiment":"neutral","sentiment_score":0.07301480323076248},{"word":"two","start":1764.795,"end":1765.295,"confidence":0.9472656,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.05618909001350403},{"word":"yep","start":1776.5701,"end":1777.0701,"confidence":0.7819824,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1448620706796646},{"word":"i","start":1777.13,"end":1777.29,"confidence":0.79248047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06545355916023254},{"word":"will","start":1777.29,"end":1777.53,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07213626056909561},{"word":"pretty","start":1777.53,"end":1777.77,"confidence":0.984375,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.03826704993844032},{"word":"much","start":1777.77,"end":1777.93,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.05040251463651657},{"word":"be","start":1777.93,"end":1778.0901,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04367571324110031},{"word":"looking","start":1778.0901,"end":1778.41,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.048812977969646454},{"word":"through","start":1778.41,"end":1778.91,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.01551753655076027},{"word":"everything","start":1779.13,"end":1779.63,"confidence":0.8815918,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.03974229097366333},{"word":"sorry","start":1780.25,"end":1780.5701,"confidence":0.9069824,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.02917151339352131},{"word":"you","start":1780.5701,"end":1780.73,"confidence":0.96972656,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.023434462025761604},{"word":"go","start":1780.73,"end":1781.23,"confidence":0.8461914,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.0015981979668140411},{"word":"yes","start":1794.3451,"end":1794.8451,"confidence":0.86157227,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0409293957054615},{"word":"so","start":1795.7051,"end":1796.2051,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03347468376159668},{"word":"i'll","start":1796.3451,"end":1796.5851,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04450885951519013},{"word":"pull","start":1796.5851,"end":1796.8251,"confidence":1.0,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.04942431300878525},{"word":"up","start":1796.8251,"end":1797.2251,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.02669275924563408},{"word":"the","start":1797.2251,"end":1797.7251,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026113510131835938},{"word":"service","start":1797.9451,"end":1798.4451,"confidence":1.0,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.03155447170138359},{"word":"agreement","start":1798.505,"end":1799.005,"confidence":1.0,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.03474883735179901},{"word":"at","start":1799.0651,"end":1799.305,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03701561316847801},{"word":"the","start":1799.305,"end":1799.545,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04336858168244362},{"word":"moment","start":1799.545,"end":1800.025,"confidence":1.0,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.046009261161088943},{"word":"let's","start":1800.025,"end":1800.3451,"confidence":1.0,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.04929804056882858},{"word":"have","start":1800.3451,"end":1800.505,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.047052569687366486},{"word":"a","start":1800.505,"end":1800.665,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04432854801416397},{"word":"little","start":1800.665,"end":1800.9851,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04249484837055206},{"word":"look","start":1800.9851,"end":1801.4851,"confidence":1.0,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.03261605650186539},{"word":"so","start":1803.09,"end":1803.41,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04153601452708244},{"word":"your","start":1803.41,"end":1803.89,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04150596261024475},{"word":"service","start":1803.89,"end":1804.29,"confidence":1.0,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.04197806119918823},{"word":"agreement","start":1804.29,"end":1804.79,"confidence":1.0,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.04520720988512039},{"word":"still","start":1804.85,"end":1805.17,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03933711722493172},{"word":"runs","start":1805.17,"end":1805.5701,"confidence":1.0,"punctuated_word":"runs","sentiment":"neutral","sentiment_score":0.03314574062824249},{"word":"through","start":1805.5701,"end":1806.0701,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.023823343217372894},{"word":"till","start":1807.3301,"end":1807.8301,"confidence":0.9970703,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.03296850621700287},{"word":"october","start":1808.13,"end":1808.97,"confidence":0.9994141,"punctuated_word":"October","sentiment":"neutral","sentiment_score":0.03552753105759621},{"word":"2026","start":1808.97,"end":1809.81,"confidence":0.9994141,"punctuated_word":"2026","sentiment":"neutral","sentiment_score":0.051167577505111694},{"word":"currently","start":1809.81,"end":1810.31,"confidence":0.8208008,"punctuated_word":"currently,","sentiment":"neutral","sentiment_score":0.03947915881872177},{"word":"and","start":1811.65,"end":1812.05,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.037520185112953186},{"word":"it","start":1812.05,"end":1812.2101,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03721058368682861},{"word":"doesn't","start":1812.2101,"end":1812.53,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.023869428783655167},{"word":"expire","start":1812.53,"end":1813.01,"confidence":1.0,"punctuated_word":"expire","sentiment":"neutral","sentiment_score":0.0169651098549366},{"word":"until","start":1813.01,"end":1813.51,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.0002568066120147705},{"word":"march","start":1813.5701,"end":1814.3801,"confidence":0.9994141,"punctuated_word":"March","sentiment":"neutral","sentiment_score":0.016100816428661346},{"word":"2027","start":1814.3801,"end":1815.1902,"confidence":0.9994141,"punctuated_word":"2027.","sentiment":"neutral","sentiment_score":0.03297636657953262},{"word":"it'll","start":1816.4651,"end":1816.625,"confidence":0.99316406,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.0663452297449112},{"word":"be","start":1816.625,"end":1816.7051,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0729861855506897},{"word":"one","start":1816.7051,"end":1816.7451,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0615791417658329},{"word":"of","start":1816.7451,"end":1816.785,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07044894993305206},{"word":"the","start":1816.785,"end":1816.9451,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07029899954795837},{"word":"things","start":1816.9451,"end":1817.185,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.06863926351070404},{"word":"where","start":1817.185,"end":1817.425,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.05216258764266968},{"word":"i'll","start":1817.425,"end":1817.5851,"confidence":0.9951172,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0644340068101883},{"word":"have","start":1817.5851,"end":1817.745,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07140000909566879},{"word":"a","start":1817.745,"end":1817.905,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07243810594081879},{"word":"discussion","start":1817.905,"end":1818.2251,"confidence":1.0,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.08163703233003616},{"word":"with","start":1818.2251,"end":1818.4651,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10028982162475586},{"word":"you","start":1818.4651,"end":1818.625,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10292573273181917},{"word":"towards","start":1818.625,"end":1818.9451,"confidence":0.9970703,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.09291708469390868},{"word":"that","start":1818.9451,"end":1819.1051,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09457293897867204},{"word":"endpoint","start":1819.1051,"end":1819.5851,"confidence":0.8371582,"punctuated_word":"endpoint,","sentiment":"neutral","sentiment_score":0.06637421250343323},{"word":"and","start":1819.5851,"end":1819.745,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0495983213186264},{"word":"we","start":1819.745,"end":1819.905,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07609136402606964},{"word":"can","start":1819.905,"end":1820.0651,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07666093856096268},{"word":"kind","start":1820.0651,"end":1820.305,"confidence":0.98291016,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06282083690166473},{"word":"of","start":1820.305,"end":1820.385,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06974747031927109},{"word":"discuss","start":1820.385,"end":1820.785,"confidence":1.0,"punctuated_word":"discuss","sentiment":"neutral","sentiment_score":0.07306254655122757},{"word":"what","start":1820.785,"end":1820.9451,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09602305293083192},{"word":"the","start":1820.9451,"end":1821.1051,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08328305929899216},{"word":"services","start":1821.1051,"end":1821.5851,"confidence":0.9980469,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.08897915482521057},{"word":"look","start":1821.5851,"end":1821.8251,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07858183234930038},{"word":"like","start":1821.8251,"end":1822.3251,"confidence":0.9975586,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.07196386158466339},{"word":"if","start":1823.1051,"end":1823.3451,"confidence":0.9223633,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.05215712636709213},{"word":"i","start":1823.3451,"end":1823.425,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04767988994717598},{"word":"can","start":1823.425,"end":1823.5851,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.042727649211883545},{"word":"maintain","start":1823.5851,"end":1823.9851,"confidence":1.0,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.05711733549833298},{"word":"it","start":1823.9851,"end":1824.145,"confidence":0.9851074,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.04720531031489372},{"word":"i","start":1824.145,"end":1824.305,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.019318558275699615},{"word":"will","start":1824.305,"end":1824.545,"confidence":0.96972656,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.019778721034526825},{"word":"but","start":1824.545,"end":1824.7051,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0135238878428936},{"word":"it's","start":1824.7051,"end":1824.8651,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.008115309290587902},{"word":"a","start":1824.8651,"end":1825.025,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009550828486680984},{"word":"request","start":1825.025,"end":1825.425,"confidence":1.0,"punctuated_word":"request","sentiment":"neutral","sentiment_score":0.022274579852819443},{"word":"that","start":1825.425,"end":1825.5851,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.002444908022880554},{"word":"i","start":1825.5851,"end":1825.665,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.001936253160238266},{"word":"would","start":1825.665,"end":1825.8251,"confidence":0.9941406,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.015165559947490692},{"word":"have","start":1825.8251,"end":1826.0651,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0017083249986171722},{"word":"to","start":1826.0651,"end":1826.145,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009277474135160446},{"word":"put","start":1826.145,"end":1826.385,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.008359566330909729},{"word":"through","start":1826.385,"end":1826.885,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.001565258949995041},{"word":"next","start":1827.025,"end":1827.425,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.00312824547290802},{"word":"year","start":1827.425,"end":1827.925,"confidence":0.99853516,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.02535983920097351},{"word":"yep","start":1829.7599,"end":1830.2599,"confidence":0.767334,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.012213248759508131},{"word":"yeah","start":1832.1599,"end":1832.3999,"confidence":0.97680664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03415277227759361},{"word":"so","start":1832.3999,"end":1832.5599,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03310111165046692},{"word":"it","start":1832.5599,"end":1832.72,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.033072397112846375},{"word":"was","start":1832.72,"end":1832.96,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03424890339374542},{"word":"1.65","start":1832.96,"end":1833.9199,"confidence":0.9398804,"punctuated_word":"1.65,","sentiment":"neutral","sentiment_score":0.04168432950973511},{"word":"and","start":1833.9199,"end":1834.1599,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.038021788001060486},{"word":"the","start":1834.1599,"end":1834.32,"confidence":0.9277344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0484052449464798},{"word":"couple's","start":1834.32,"end":1834.72,"confidence":0.87524414,"punctuated_word":"couple's","sentiment":"neutral","sentiment_score":0.046002667397260666},{"word":"discount's","start":1834.72,"end":1835.12,"confidence":0.87719727,"punctuated_word":"discount's","sentiment":"neutral","sentiment_score":0.0485013984143734},{"word":"1.1","start":1835.12,"end":1836.1,"confidence":0.9996745,"punctuated_word":"1.1.","sentiment":"neutral","sentiment_score":0.05166250094771385},{"word":"yep","start":1838.1599,"end":1838.3999,"confidence":0.95751953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1306525468826294},{"word":"and","start":1838.3999,"end":1838.5599,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08629654347896576},{"word":"then","start":1838.5599,"end":1838.72,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0911412239074707},{"word":"once","start":1838.72,"end":1838.96,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.06837412714958191},{"word":"you","start":1838.96,"end":1839.12,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0881999209523201},{"word":"hit","start":1839.12,"end":1839.2799,"confidence":0.79003906,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.08752600103616714},{"word":"600,000","start":1839.2799,"end":1840.1599,"confidence":0.9996745,"punctuated_word":"600,000,","sentiment":"neutral","sentiment_score":0.06638042628765106},{"word":"that's","start":1840.1599,"end":1840.3999,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0601792111992836},{"word":"when","start":1840.3999,"end":1840.6399,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06022253260016441},{"word":"it","start":1840.6399,"end":1840.7999,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05924906209111214},{"word":"flat","start":1840.7999,"end":1841.12,"confidence":0.9921875,"punctuated_word":"flat","sentiment":"neutral","sentiment_score":0.07960417121648788},{"word":"caps","start":1841.12,"end":1841.62,"confidence":0.7248535,"punctuated_word":"caps.","sentiment":"neutral","sentiment_score":0.08172998577356339},{"word":"and","start":1841.895,"end":1842.295,"confidence":0.9223633,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.0750918835401535},{"word":"again","start":1842.295,"end":1842.6951,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.07460933178663254},{"word":"everything","start":1842.6951,"end":1843.015,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.07101645320653915},{"word":"after","start":1843.015,"end":1843.255,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.05036521330475807},{"word":"that","start":1843.255,"end":1843.495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06563496589660645},{"word":"because","start":1843.495,"end":1843.975,"confidence":0.55615234,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.07815539091825485},{"word":"we've","start":1843.975,"end":1844.2151,"confidence":0.9980469,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.09369280189275742},{"word":"got","start":1844.2151,"end":1844.375,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09979721903800964},{"word":"the","start":1844.375,"end":1844.4551,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10212068259716034},{"word":"clients","start":1844.4551,"end":1844.935,"confidence":0.78515625,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.08725248277187347},{"word":"1,000,000","start":1844.935,"end":1845.675,"confidence":0.88427734,"punctuated_word":"1,000,000,","sentiment":"neutral","sentiment_score":0.0981769561767578},{"word":"2,000,000","start":1845.735,"end":1846.375,"confidence":0.99560547,"punctuated_word":"2,000,000,","sentiment":"neutral","sentiment_score":0.1039576381444931},{"word":"that","start":1846.375,"end":1846.615,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07956324517726898},{"word":"kind","start":1846.615,"end":1846.775,"confidence":0.890625,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04108438640832901},{"word":"of","start":1846.775,"end":1846.855,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07071325182914734},{"word":"thing","start":1846.855,"end":1847.355,"confidence":0.85913086,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.08320724219083786},{"word":"and","start":1847.415,"end":1847.655,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06393945217132568},{"word":"we","start":1847.655,"end":1847.8151,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08122256398200989},{"word":"have","start":1847.8151,"end":1848.055,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0807323306798935},{"word":"to","start":1848.055,"end":1848.135,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07608713209629059},{"word":"put","start":1848.135,"end":1848.4551,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.08162625879049301},{"word":"a","start":1848.4551,"end":1848.615,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07453683018684387},{"word":"bit","start":1848.615,"end":1848.775,"confidence":0.93115234,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1034817174077034},{"word":"of","start":1848.775,"end":1848.935,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09814228117465972},{"word":"a","start":1848.935,"end":1849.015,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07586981356143951},{"word":"cap","start":1849.015,"end":1849.175,"confidence":1.0,"punctuated_word":"cap","sentiment":"neutral","sentiment_score":-0.02700381726026535},{"word":"at","start":1849.175,"end":1849.3351,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.042884185910224915},{"word":"the","start":1849.3351,"end":1849.415,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.027345526963472366},{"word":"600","start":1849.415,"end":1849.975,"confidence":1.0,"punctuated_word":"600","sentiment":"neutral","sentiment_score":-0.008379282429814339},{"word":"mark","start":1849.975,"end":1850.475,"confidence":1.0,"punctuated_word":"mark.","sentiment":"neutral","sentiment_score":-0.03566505387425423},{"word":"cool","start":1852.775,"end":1853.275,"confidence":0.98999023,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.46648555994033813},{"word":"any","start":1853.3351,"end":1853.5751,"confidence":0.99902344,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.13976892828941345},{"word":"questions","start":1853.5751,"end":1854.055,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.15571755170822144},{"word":"so","start":1854.055,"end":1854.295,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08320743590593338},{"word":"far","start":1854.295,"end":1854.615,"confidence":0.89086914,"punctuated_word":"far,","sentiment":"neutral","sentiment_score":0.07346378266811371},{"word":"or","start":1854.615,"end":1855.015,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06120743602514267},{"word":"does","start":1855.015,"end":1855.255,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.03645376116037369},{"word":"that","start":1855.255,"end":1855.415,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3295871317386627},{"word":"sound","start":1855.415,"end":1855.655,"confidence":0.9770508,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.32522326707839966},{"word":"good","start":1855.655,"end":1856.04,"confidence":0.99853516,"punctuated_word":"good?","sentiment":"positive","sentiment_score":0.3547240197658539},{"word":"cool","start":1857.48,"end":1857.98,"confidence":0.9975586,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.2929590344429016},{"word":"if","start":1858.04,"end":1858.28,"confidence":0.80566406,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.19913937151432037},{"word":"you","start":1858.28,"end":1858.4401,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15062150359153748},{"word":"have","start":1858.4401,"end":1858.6001,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1442108303308487},{"word":"any","start":1858.6001,"end":1858.76,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.14398857951164246},{"word":"questions","start":1858.76,"end":1859.16,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.13990774750709534},{"word":"in","start":1859.16,"end":1859.3201,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10368155688047408},{"word":"between","start":1859.3201,"end":1859.7201,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.10086689889431},{"word":"and","start":1859.7201,"end":1860.12,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0852670967578888},{"word":"something","start":1860.12,"end":1860.52,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.11596111208200456},{"word":"changes","start":1860.52,"end":1861.02,"confidence":0.9909668,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.1235666275024414},{"word":"you","start":1861.16,"end":1861.3201,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14066298305988312},{"word":"wanna","start":1861.3201,"end":1861.56,"confidence":0.9375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.16557127237319946},{"word":"have","start":1861.56,"end":1861.7201,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1527792513370514},{"word":"a","start":1861.7201,"end":1861.8,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15148377418518066},{"word":"chat","start":1861.8,"end":1862.04,"confidence":1.0,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.17702870070934296},{"word":"while","start":1862.04,"end":1862.28,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.1259745955467224},{"word":"i'm","start":1862.28,"end":1862.4401,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.13552118837833405},{"word":"away","start":1862.4401,"end":1862.9401,"confidence":0.9309082,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":0.1322465538978577},{"word":"we","start":1863.16,"end":1863.3201,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14148908853530884},{"word":"do","start":1863.3201,"end":1863.56,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1552271544933319},{"word":"have","start":1863.56,"end":1864.04,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16180573403835297},{"word":"larissa","start":1864.04,"end":1864.54,"confidence":0.9638672,"punctuated_word":"Larissa,","sentiment":"neutral","sentiment_score":0.14532963931560516},{"word":"our","start":1865.0801,"end":1865.3201,"confidence":0.9980469,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.161431685090065},{"word":"head","start":1865.3201,"end":1865.48,"confidence":0.99609375,"punctuated_word":"head","sentiment":"neutral","sentiment_score":0.21159562468528748},{"word":"of","start":1865.48,"end":1865.64,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1939394325017929},{"word":"advice","start":1865.64,"end":1866.14,"confidence":0.95532227,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.1659354418516159},{"word":"and","start":1866.2001,"end":1866.36,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14868582785129547},{"word":"the","start":1866.36,"end":1866.52,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16240520775318146},{"word":"rest","start":1866.52,"end":1866.76,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.16549330949783325},{"word":"of","start":1866.76,"end":1866.8401,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1982262134552002},{"word":"the","start":1866.8401,"end":1867.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1857318729162216},{"word":"advice","start":1867.0,"end":1867.4,"confidence":0.98535156,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.13234283030033112},{"word":"team","start":1867.4,"end":1867.7201,"confidence":0.984375,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.1543550193309784},{"word":"still","start":1867.7201,"end":1867.9601,"confidence":0.9482422,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.14537645876407623},{"word":"available","start":1867.9601,"end":1868.4601,"confidence":0.9719238,"punctuated_word":"available.","sentiment":"neutral","sentiment_score":0.10350821167230606},{"word":"but","start":1868.8401,"end":1869.16,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.11295169591903688},{"word":"if","start":1869.16,"end":1869.3201,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08018596470355988},{"word":"there's","start":1869.3201,"end":1869.56,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0792977437376976},{"word":"any","start":1869.56,"end":1869.8,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.057461097836494446},{"word":"emergencies","start":1869.8,"end":1870.3,"confidence":0.9716797,"punctuated_word":"emergencies,","sentiment":"neutral","sentiment_score":0.06061819568276405},{"word":"they'll","start":1870.4401,"end":1870.68,"confidence":0.99316406,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.11787950247526167},{"word":"contact","start":1870.68,"end":1871.16,"confidence":1.0,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":0.08188403397798538},{"word":"me","start":1871.16,"end":1871.3201,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.11319713294506072},{"word":"as","start":1871.3201,"end":1871.48,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.110891655087471},{"word":"well","start":1871.48,"end":1871.895,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.11133559048175812},{"word":"cool","start":1874.535,"end":1875.035,"confidence":0.9951172,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4200966954231262},{"word":"i'm","start":1875.335,"end":1875.5751,"confidence":0.8449707,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.29161208868026733},{"word":"just","start":1875.5751,"end":1875.8151,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3020593523979187},{"word":"quickly","start":1875.8151,"end":1876.135,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.30406075716018677},{"word":"checking","start":1876.135,"end":1876.635,"confidence":1.0,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":0.2789042592048645},{"word":"the","start":1877.095,"end":1877.335,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2521192729473114},{"word":"updated","start":1877.335,"end":1877.8151,"confidence":1.0,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.24612608551979065},{"word":"goals","start":1877.8151,"end":1878.055,"confidence":1.0,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.20768725872039795},{"word":"here","start":1878.055,"end":1878.295,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.26818472146987915},{"word":"because","start":1878.295,"end":1878.535,"confidence":0.8613281,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.241396889090538},{"word":"i've","start":1878.535,"end":1878.6951,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.22955217957496643},{"word":"got","start":1878.6951,"end":1879.095,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2739828824996948},{"word":"the","start":1879.095,"end":1879.595,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2586868107318878},{"word":"retirement","start":1880.055,"end":1880.555,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.18073323369026184},{"word":"goals","start":1880.6951,"end":1880.935,"confidence":0.62158203,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.15316015481948853},{"word":"set","start":1880.935,"end":1881.175,"confidence":0.99902344,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.23726534843444824},{"word":"in","start":1881.175,"end":1881.335,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24600890278816223},{"word":"there","start":1881.335,"end":1881.835,"confidence":0.9951172,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2108646929264069},{"word":"we've","start":1882.6951,"end":1883.015,"confidence":0.9946289,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.14194700121879578},{"word":"got","start":1883.015,"end":1883.515,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.15848611295223236},{"word":"the","start":1883.655,"end":1883.895,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1485663205385208},{"word":"updated","start":1883.895,"end":1884.395,"confidence":0.9980469,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.12943221628665924},{"word":"sort","start":1884.4551,"end":1884.6951,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10868902504444122},{"word":"of","start":1884.6951,"end":1884.775,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14445511996746063},{"word":"property","start":1884.775,"end":1885.275,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.1342441737651825},{"word":"settlement","start":1885.735,"end":1886.235,"confidence":0.9921875,"punctuated_word":"settlement","sentiment":"neutral","sentiment_score":0.17190179228782654},{"word":"to","start":1886.92,"end":1887.16,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11441201716661452},{"word":"bedroom","start":1887.16,"end":1887.66,"confidence":0.99902344,"punctuated_word":"bedroom","sentiment":"neutral","sentiment_score":0.13889116048812866},{"word":"as","start":1887.88,"end":1888.12,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1372780203819275},{"word":"the","start":1888.12,"end":1888.28,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13306404650211334},{"word":"idea","start":1888.28,"end":1888.68,"confidence":0.9838867,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.14303340017795563},{"word":"for","start":1888.68,"end":1888.76,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16240745782852173},{"word":"the","start":1888.76,"end":1888.92,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15458668768405914},{"word":"next","start":1888.92,"end":1889.16,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.11100199818611144},{"word":"twelve","start":1889.16,"end":1889.4,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.11713345348834991},{"word":"months","start":1889.4,"end":1889.9,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.1067255362868309},{"word":"and","start":1890.52,"end":1891.02,"confidence":0.6855469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08427568525075912},{"word":"just","start":1891.16,"end":1891.56,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0813915804028511},{"word":"kind","start":1891.56,"end":1891.8,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08293083310127258},{"word":"of","start":1891.8,"end":1892.2001,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10374683886766434},{"word":"altering","start":1892.2001,"end":1892.6,"confidence":1.0,"punctuated_word":"altering","sentiment":"neutral","sentiment_score":0.08103730529546738},{"word":"the","start":1892.6,"end":1892.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06969591230154037},{"word":"insurances","start":1892.76,"end":1893.24,"confidence":0.92407227,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.0596729964017868},{"word":"a","start":1893.24,"end":1893.4,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0938025414943695},{"word":"little","start":1893.4,"end":1893.56,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07798950374126434},{"word":"bit","start":1893.56,"end":1893.8,"confidence":0.9909668,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.110146164894104},{"word":"that's","start":1893.8,"end":1894.04,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1390797793865204},{"word":"what","start":1894.04,"end":1894.2001,"confidence":0.93359375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10463372617959976},{"word":"i'm","start":1894.2001,"end":1894.36,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.14152485132217407},{"word":"putting","start":1894.36,"end":1894.6,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.14445719122886658},{"word":"in","start":1894.6,"end":1894.76,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12934094667434692},{"word":"there","start":1894.76,"end":1895.0,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1458326131105423},{"word":"as","start":1895.0,"end":1895.16,"confidence":0.9892578,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1092630699276924},{"word":"goals","start":1895.16,"end":1895.66,"confidence":0.9975586,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":0.099434494972229},{"word":"no","start":1919.75,"end":1920.2301,"confidence":0.88134766,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0735895186662674},{"word":"no","start":1920.2301,"end":1920.4701,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07071622461080551},{"word":"so","start":1920.4701,"end":1920.63,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05518565699458122},{"word":"what","start":1920.63,"end":1920.79,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05796368792653084},{"word":"i'm","start":1920.79,"end":1920.9501,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0535927340388298},{"word":"sort","start":1920.9501,"end":1921.1901,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.06158912554383278},{"word":"of","start":1921.1901,"end":1921.3501,"confidence":0.9560547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11697255820035934},{"word":"saying","start":1921.3501,"end":1921.67,"confidence":1.0,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.09438806772232056},{"word":"is","start":1921.67,"end":1922.17,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06225888058543205},{"word":"potentially","start":1922.87,"end":1923.37,"confidence":0.77978516,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":-0.07845491915941238},{"word":"a","start":1923.43,"end":1923.5901,"confidence":0.9111328,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.051303207874298096},{"word":"100","start":1923.5901,"end":1924.0901,"confidence":0.99902344,"punctuated_word":"100","sentiment":"neutral","sentiment_score":-0.04948531091213226},{"word":"is","start":1924.515,"end":1924.755,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0609590969979763},{"word":"what","start":1924.755,"end":1924.995,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0596969872713089},{"word":"we're","start":1924.995,"end":1925.3151,"confidence":0.9851074,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.08750569075345993},{"word":"i'm","start":1925.555,"end":1925.795,"confidence":0.8955078,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1062287986278534},{"word":"not","start":1925.795,"end":1925.9551,"confidence":0.9921875,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08185416460037231},{"word":"even","start":1925.9551,"end":1926.1951,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.0670783668756485},{"word":"gonna","start":1926.1951,"end":1926.435,"confidence":0.921875,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.06796590983867645},{"word":"include","start":1926.435,"end":1926.755,"confidence":0.99902344,"punctuated_word":"include","sentiment":"neutral","sentiment_score":-0.052523333579301834},{"word":"it","start":1926.755,"end":1926.915,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04990444332361221},{"word":"now","start":1926.915,"end":1927.155,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.12744595110416412},{"word":"until","start":1927.155,"end":1927.475,"confidence":0.99902344,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.11285512149333954},{"word":"it's","start":1927.475,"end":1927.635,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05051537603139877},{"word":"a","start":1927.635,"end":1927.795,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04977928102016449},{"word":"reality","start":1927.795,"end":1928.295,"confidence":0.9970703,"punctuated_word":"reality.","sentiment":"neutral","sentiment_score":-0.05791839957237244},{"word":"outside","start":1928.915,"end":1929.3151,"confidence":0.99902344,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":-0.012037351727485657},{"word":"of","start":1929.3151,"end":1929.475,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.002620913088321686},{"word":"that","start":1929.475,"end":1929.875,"confidence":0.99902344,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.005227845162153244},{"word":"i'm","start":1929.875,"end":1930.115,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.006539017893373966},{"word":"saying","start":1930.115,"end":1930.615,"confidence":0.99902344,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.014095012098550797},{"word":"property","start":1930.755,"end":1931.235,"confidence":0.9658203,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.00428289920091629},{"word":"settlement","start":1931.235,"end":1931.735,"confidence":1.0,"punctuated_word":"settlement","sentiment":"neutral","sentiment_score":0.03147689253091812},{"word":"40","start":1931.795,"end":1932.1951,"confidence":0.96533203,"punctuated_word":"40","sentiment":"neutral","sentiment_score":0.013043388724327087},{"word":"goes","start":1932.1951,"end":1932.515,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.011856062337756155},{"word":"into","start":1932.515,"end":1932.8351,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.014782097190618517},{"word":"cash","start":1932.8351,"end":1933.3351,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.014282286167144775},{"word":"alongside","start":1933.555,"end":1934.055,"confidence":0.9560547,"punctuated_word":"alongside","sentiment":"neutral","sentiment_score":0.0067380741238594055},{"word":"the","start":1934.115,"end":1934.355,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016796717420220375},{"word":"55","start":1934.355,"end":1934.915,"confidence":1.0,"punctuated_word":"55","sentiment":"neutral","sentiment_score":0.01873763278126717},{"word":"in","start":1934.915,"end":1935.0751,"confidence":0.97314453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.010568952187895777},{"word":"shares","start":1935.0751,"end":1935.395,"confidence":1.0,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.02266080118715763},{"word":"and","start":1935.395,"end":1935.555,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01893947273492813},{"word":"the","start":1935.555,"end":1935.715,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028876066207885746},{"word":"50","start":1935.715,"end":1936.035,"confidence":0.99902344,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.026692990213632584},{"word":"in","start":1936.035,"end":1936.275,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01683778502047062},{"word":"savings","start":1936.275,"end":1936.775,"confidence":0.97802734,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.014181222766637802},{"word":"for","start":1938.11,"end":1938.2699,"confidence":0.97509766,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01306246966123581},{"word":"the","start":1938.2699,"end":1938.4299,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019597314298152924},{"word":"time","start":1938.4299,"end":1938.6699,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.018922679126262665},{"word":"being","start":1938.6699,"end":1939.1699,"confidence":0.99316406,"punctuated_word":"being.","sentiment":"neutral","sentiment_score":0.019197305664420128},{"word":"yeah","start":1951.245,"end":1951.745,"confidence":0.8886719,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17541633546352386},{"word":"so","start":1953.325,"end":1953.485,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09025242924690248},{"word":"if","start":1953.485,"end":1953.725,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13395199179649353},{"word":"we","start":1953.725,"end":1953.885,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15750259160995483},{"word":"attack","start":1953.885,"end":1954.205,"confidence":0.99902344,"punctuated_word":"attack","sentiment":"neutral","sentiment_score":0.2221999317407608},{"word":"it","start":1954.205,"end":1954.2849,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18640127778053284},{"word":"from","start":1954.2849,"end":1954.605,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.18305957317352295},{"word":"three","start":1954.605,"end":1954.845,"confidence":0.9460449,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":0.18056048452854156},{"word":"four","start":1954.845,"end":1955.085,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.19564341008663175},{"word":"angles","start":1955.085,"end":1955.585,"confidence":0.9758301,"punctuated_word":"angles,","sentiment":"neutral","sentiment_score":0.22654977440834043},{"word":"pretty","start":1956.125,"end":1956.445,"confidence":0.9941406,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2885410189628601},{"word":"well","start":1956.445,"end":1956.765,"confidence":0.71984863,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2645745873451233},{"word":"good","start":1956.765,"end":1957.005,"confidence":0.97998047,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.21360456943511963},{"word":"chance","start":1957.005,"end":1957.325,"confidence":1.0,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.25201931595802307},{"word":"to","start":1957.325,"end":1957.4049,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28170228004455566},{"word":"get","start":1957.4049,"end":1957.725,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.21848005056381223},{"word":"there","start":1957.725,"end":1958.225,"confidence":0.9995117,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.20513218641281128},{"word":"awesome","start":1960.5249,"end":1961.0249,"confidence":0.92163086,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.8299727439880371},{"word":"alright","start":1961.66,"end":1961.98,"confidence":0.99316406,"punctuated_word":"Alright,","sentiment":"positive","sentiment_score":0.6279486417770386},{"word":"mate","start":1961.98,"end":1962.22,"confidence":0.6032715,"punctuated_word":"mate,","sentiment":"positive","sentiment_score":0.666573703289032},{"word":"mate","start":1962.22,"end":1962.5399,"confidence":0.9951172,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.5967319011688232},{"word":"appreciate","start":1962.5399,"end":1963.02,"confidence":0.99609375,"punctuated_word":"Appreciate","sentiment":"positive","sentiment_score":0.796542763710022},{"word":"your","start":1963.02,"end":1963.26,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8242628574371338},{"word":"time","start":1963.26,"end":1963.4199,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.8245043754577637},{"word":"today","start":1963.4199,"end":1963.82,"confidence":1.0,"punctuated_word":"today.","sentiment":"positive","sentiment_score":0.7507681250572205},{"word":"i","start":1963.82,"end":1964.0599,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6865147948265076},{"word":"will","start":1964.0599,"end":1964.46,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.650924563407898},{"word":"work","start":1964.46,"end":1964.7,"confidence":0.99902344,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.6686299443244934},{"word":"my","start":1964.7,"end":1964.86,"confidence":0.9980469,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.7130308151245117},{"word":"magic","start":1964.86,"end":1965.26,"confidence":1.0,"punctuated_word":"magic","sentiment":"positive","sentiment_score":0.799997866153717},{"word":"and","start":1965.26,"end":1965.34,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6632464528083801},{"word":"do","start":1965.34,"end":1965.58,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.7081412076950073},{"word":"my","start":1965.58,"end":1965.66,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.6894558072090149},{"word":"thing","start":1965.66,"end":1965.98,"confidence":0.9338379,"punctuated_word":"thing.","sentiment":"positive","sentiment_score":0.6062006950378418},{"word":"and","start":1965.98,"end":1966.14,"confidence":1.0,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4169814586639404},{"word":"then","start":1966.14,"end":1966.46,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.3029153347015381},{"word":"in","start":1966.46,"end":1966.94,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29880326986312866},{"word":"about","start":1966.94,"end":1967.4199,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.3232631981372833},{"word":"four","start":1967.4199,"end":1967.66,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.26654505729675293},{"word":"weeks'","start":1967.66,"end":1968.0599,"confidence":0.842041,"punctuated_word":"weeks'","sentiment":"neutral","sentiment_score":0.24394655227661133},{"word":"time","start":1968.0599,"end":1968.5399,"confidence":0.9995117,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.2926872968673706},{"word":"you'll","start":1968.5399,"end":1968.86,"confidence":0.8125,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.4191718995571137},{"word":"get","start":1968.86,"end":1969.1,"confidence":0.9980469,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5383274555206299},{"word":"booked","start":1969.1,"end":1969.34,"confidence":1.0,"punctuated_word":"booked","sentiment":"positive","sentiment_score":0.4563729166984558},{"word":"in","start":1969.34,"end":1969.58,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.36545318365097046},{"word":"with","start":1969.58,"end":1969.74,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4118286967277527},{"word":"me","start":1969.74,"end":1969.9,"confidence":0.9030762,"punctuated_word":"me,","sentiment":"positive","sentiment_score":0.35847851634025574},{"word":"and","start":1969.9,"end":1969.98,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3367225229740143},{"word":"we'll","start":1969.98,"end":1970.22,"confidence":1.0,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.4027298390865326},{"word":"run","start":1970.22,"end":1970.46,"confidence":1.0,"punctuated_word":"run","sentiment":"positive","sentiment_score":0.4683856070041657},{"word":"through","start":1970.46,"end":1970.78,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.4714804291725158},{"word":"the","start":1970.78,"end":1971.1,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4484543800354004},{"word":"the","start":1971.1,"end":1971.26,"confidence":0.9921875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4315353035926819},{"word":"plan","start":1971.26,"end":1971.58,"confidence":1.0,"punctuated_word":"plan","sentiment":"positive","sentiment_score":0.4454386830329895},{"word":"together","start":1971.58,"end":1972.08,"confidence":0.7401123,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.31843140721321106},{"word":"and","start":1972.22,"end":1972.46,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.26969897747039795},{"word":"then","start":1972.46,"end":1972.96,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2899966835975647},{"word":"i'm","start":1973.02,"end":1973.1,"confidence":0.83251953,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.45135360956192017},{"word":"good","start":1973.1,"end":1973.34,"confidence":0.9873047,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5698391795158386},{"word":"to","start":1973.34,"end":1973.5,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6044386625289917},{"word":"go","start":1973.5,"end":1974.0,"confidence":1.0,"punctuated_word":"go.","sentiment":"positive","sentiment_score":0.5147923827171326},{"word":"awesome","start":1976.005,"end":1976.405,"confidence":0.9470215,"punctuated_word":"Awesome,","sentiment":"positive","sentiment_score":0.8790789842605591},{"word":"mate","start":1976.405,"end":1976.645,"confidence":0.9975586,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.8511356711387634},{"word":"you","start":1976.645,"end":1976.7251,"confidence":0.98291016,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.8643466234207153},{"word":"have","start":1976.7251,"end":1976.805,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.8481302857398987},{"word":"a","start":1976.805,"end":1976.885,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8322497606277466},{"word":"great","start":1976.885,"end":1977.125,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.8735760450363159},{"word":"night","start":1977.125,"end":1977.365,"confidence":1.0,"punctuated_word":"night.","sentiment":"positive","sentiment_score":0.8351576328277588},{"word":"anything","start":1977.365,"end":1977.765,"confidence":1.0,"punctuated_word":"Anything","sentiment":"positive","sentiment_score":0.5723587274551392},{"word":"you","start":1977.765,"end":1977.8451,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.571011483669281},{"word":"need","start":1977.8451,"end":1978.0851,"confidence":0.9875488,"punctuated_word":"need,","sentiment":"positive","sentiment_score":0.4600354731082916},{"word":"just","start":1978.0851,"end":1978.3251,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.47744297981262207},{"word":"call","start":1978.3251,"end":1978.485,"confidence":1.0,"punctuated_word":"call","sentiment":"positive","sentiment_score":0.4497673809528351},{"word":"straight","start":1978.485,"end":1978.7251,"confidence":0.9980469,"punctuated_word":"straight","sentiment":"positive","sentiment_score":0.46688857674598694},{"word":"back","start":1978.7251,"end":1979.2251,"confidence":0.99902344,"punctuated_word":"back.","sentiment":"positive","sentiment_score":0.5120550394058228},{"word":"i","start":1983.6589,"end":1983.7389,"confidence":0.9838867,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.544478178024292},{"word":"will","start":1983.7389,"end":1984.059,"confidence":1.0,"punctuated_word":"will.","sentiment":"positive","sentiment_score":0.5115007758140564},{"word":"thank","start":1984.059,"end":1984.299,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8281678557395935},{"word":"you","start":1984.299,"end":1984.3789,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8484070897102356},{"word":"so","start":1984.3789,"end":1984.539,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8249967694282532},{"word":"much","start":1984.539,"end":1984.8589,"confidence":0.99853516,"punctuated_word":"much,","sentiment":"positive","sentiment_score":0.8421902656555176},{"word":"matt","start":1984.8589,"end":1985.3589,"confidence":0.9309082,"punctuated_word":"Matt.","sentiment":"positive","sentiment_score":0.7499133348464966},{"word":"bye","start":1987.2589,"end":1987.7589,"confidence":0.99365234,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.4012869596481323}],"paragraphs":{"transcript":"\nGood afternoon, Matthew. It's Tom here, senior adviser. How are you going? Right. Living the dream so far.\n\nIt's a cool evening, and the week is flying by pretty quick already. What about your end? No. It's okay. It didn't actually ring through, so I don't think you would have seen it.\n\nIt just went straight to voice mail, and I was like, oh, I'll send him a text just in case. Yeah. Yeah. Yeah. Yeah.\n\nSo what I'll do in this situation, what I gotta do is basically update some of your details, see what I can note down in your fact find in terms of assets, liabilities, what's changed, and then I'll pretty much come up with a bit of a game plan with you on how you're tracking and whether we need to adjust anything, whether it's the insurance or the super. So I'm just pulling up your super account now. And while I'm doing that, with the separation, has that finalized in terms of a property settlement? Yeah. Settling of style.\n\nYeah. So that's some of the the considerations that I have to do as well because once you go through and that's finalized is I need to take a bit of stock in where that lands and see how much we need to do in terms of, like, catching up the super, how that's actually projecting, and things like that. When I've got some final figures, that'll help a little bit, but I will check the super with you today. But just bear in mind, there'll be a couple things that'll be on hold. So just quickly with the investment property, I last had it listed when you spoke to Kyle at six hundred and fifty thousand value owing $3.80.\n\nDo you know what the new figures are? Yep. $5.30. Yep. Yeah.\n\nYep. Yeah. Okay. So you think it might actually come into your account? Yep.\n\nNo worries. So as far as other assets go, so the property is gonna clear maybe $40,000 each. We did have two vehicles listed. One was for the partner. One was a u for yourself that you still had a bit of debt on.\n\nAnd then we had some shares and tools was the main assets. Yep. Perfect. Alrighty. So that's amazing.\n\nI'm just having a look. We've updated your address already. So let me just triple check that I've got all of that. 1 Slash 17 Surrey Street in Box Hill. Yep.\n\n1 Slash 17. Sorry. And that's in 3128. The email address that we've got on file, let me just quickly double check that one. We've got mSmithGardens@OptusNet.\n\nYep. Alright. Gardens OptusNet. Alrighty. And in terms of last two sort of bit more personal update questions for you, just in terms of occupation and income, landscape gardener on about a 100,000.\n\nYep. And we did have two children listed. One was 17 and 13 at the time, which was about a year ago nine months ago. Eighteen and fifteen. One thing I wanted to do, I'm gonna jump into the super now, but just in terms of I know it's early, but goals wise.\n\nSo once everything kind of settles, do you already have a bit of an idea of what the kind of next steps are for you, or do you wanna kind of revisit that later? Yeah. Yeah. Yeah. Anything property wise that you wanna kind of get another one with all the cash and assets?\n\nYep. Okay. So that kinda swings me over to the superannuation portion of the insurances. So what I'm gonna kinda do do you have any of your original certificates or current insurances open in front of you? The trauma.\n\nYeah. Absolutely. I've got it all open in front of me. So I'm having a quick look at the the four policies, the way they're split, and everything like that. Let's just have a quick look.\n\nSo income protections there, five thousand 966 per month worth of cover. That's, like, the payment that would come out to you. Thirty day waiting period, five year benefit. That's pretty perfect. It's like you're out of work for a month, kicks in monthly up to five years for each injury and illness, if that makes sense.\n\nI'm just double checking your inception date. So that covers 70% of income, which is covering an income of about a $102,100 and 203,000 is being protected at the moment. So if that's okay for you, just bear in mind, like yeah, yeah, it's mainly like an expense covering exercise there. And what tends to happen is, like, let's say I've recorded you as a 100,000 income, let's say, and you go and claim. You give them your twelve months financials.\n\nIf they say you're protected for a 102,000, but you own a 100, they'll give you 70% on the 100,000 that you've actually got on paper. So just bear in mind that it's very close, but it'll be based on the actual income at the time. Life and DPD insurance, so that's your total disability where it's like if you pass away, here's a lump sum. If you can never work again, here's a lump sum. You have 787,500 of those.\n\nAnd combined, they're a little bit under $2 in premiums. So I wanna kind of run that by you because if you're gonna purchase that two bedroom apartment, have you got any idea about how much that would cost? $4.50 and 500. So what that kind of says is that outside of debt clearance, future liabilities, you look a little bit over insured unless you're wanting that lump sum cover to replace, like, lost income for the family, kids, and so on. Yeah.\n\nSo if I let's say 787,000 current, 500,000 flat as an example, that chops about a third of it off. So you go from, say, 1,900 down to 1,400 kind of thing would be my estimate. Yeah. Yeah. Because it's one of those things where what you want it for so step one, okay, get a a mortgage, clears the mortgage, happy days.\n\nYou've got your income protection to kick in. That's great. And then from there, you can insure yourself for millions and come up with all reasons for it. You can say, okay. If I can never work again, I want the mortgage paid off, but then I also want a million dollars to live off and invest and renovate the house and do all this sort of thing, and you can just add so many different things on.\n\nAnd the problem that you've got is that every January, that's gonna go up in premiums. And before you know it, just under 5,000 becomes 6 and a half, becomes 8, becomes 10, becomes 15 over the next ten years. And before you know it, then the supercombing backwards. Through the fifties and sixties is when it starts to become a bit of a hockey stick, and that's what I'm saying where it goes from, like, 3 to 15,000 a year over a ten year period. So the idea is as you pay debt down, you can trim it down, or you have to shop around every couple of years.\n\nYes. So I need to do a couple of checks because not only do we do a bit of a trim down, I can like, it's been a couple of years just about. I can shop around and see if there's someone that's more affordable there. Like, I know MetLife did a pretty good deal initially. It hasn't been long enough that there would be too many, but I'm gonna just do the due diligence, research the market, and see.\n\nYou can get default cover when you apply for an account, like, within sixty days. You can get a bit of a default cover added there. But the main one for you at the moment, the kicker is the income protection. That's kind of your most expensive one. Yeah.\n\nYeah. There there is a bit of a trade off that you can consider, and it's it's purely up to you here, is you can adjust the waiting periods and the benefit periods. So what's possible is if you go, okay. If I'm out of work for a month, this will kick in. But if you've got some savings built up, you can extend it out to sixty or ninety days, and that reduces it quite heavily.\n\nAnd then you've got the option to reduce the benefit period per injury from five years to two years. So it's more like short term. Yep. So if you want, I will look at a bit of a reduction of the life in TPD to 500,000 flat, and then we can revisit altering the income protection next year. K.\n\nI still will just do a bit of a search on providers because if I see something amazing, that's like a 40% savings. I'll bring it up with you. But if not, I'm just gonna do an alteration with MetLife because there's no you you sign the letter saying trim it down. They just do it straight away. There's no applications and underwriting and health checks and all that kind of thing.\n\nBut if there's a big difference, I will flag it for you. Yeah. It's $5.04 gross, and then the 15% rebate drops it down to $4.05 sorry, 4 6. Yep. They're just increasing to 32 and a half next financial year.\n\nYeah. Exactly right. No. So anything above that, they look back five years to see if there's any cap that you've unused. And then outside of that, they start hitting you at that marginal rate with the 15 percent offset.\n\nWe can help with it. The only thing that I need from you is if you go on your myGov, they have a section there that will literally tell you you have this much to use the last five financial years, and they'll break down every year for you. So I can even guide you through there if you wanna hop on my gov now, or we can just grab that off you later. You can do it next financial year is totally cool. It just means that because they look back five years, as each year progresses, that previous one gets chopped off.\n\nYep. Yep. So when I look at the super, do you want me to consider what it looks like with the 30 slash 32 and a half going in there in terms of projections going forward? Like, I'll update your your advice with the insurance premiums and what that does. And you're doing four.\n\nYep. Yeah. So the cap's the cap, and then all the expenses under the hood, they all get these 15% rebates, but they don't allow you to do extra to cover all the expenses. So the insurances don't extend your cap or anything like that. So based on the four 100 okay.\n\nPerfect. I won't do any at the moment. We'll just come back to that next time. Because, again, when we look at the income protection, we can also have a look for any lump sums to do Next one is for you. So I'll put that in as a bit of a pause in terms of lump sum.\n\nThe 400 a week that's going in there at the moment, it's listing as member voluntary through BPAY. Do you normally just go through that notice of intent to claim for it? That makes sense. Okay. So Yep.\n\nPerfect. Perfect. So the we'll put it in as, like, 26 currently. And then do you normally just do the form to claim them as a tax deduction before you do your tax return every year? Yep.\n\nPerfect. And I'll do a projection to show you what the 32 and a half does as well just so you can see the difference between the two. Got that, and we've got that. Now in terms of balance, you've had a pretty pretty solid buy in from your contributions, which has been really good. I know you had a bit of a rough period in 2025, but the last twelve months is looking really good just in terms of balance going from that sort of 69 up to 88 and a half even with the market dropping.\n\nSo that one's well, that's a bit of a the high growth roller coaster for you is a bit fun. Yep. What do they call that? The risk return trade off where when everything's going up, everyone's excited, and then they panic when it goes down. And then after a few of those, you become a bit more calm to it.\n\nBut it seems like a lot. Yeah. That's it. That's the one that you're allowed to say, and I'm not on a record call, but I agree. One good thing, though, is all of the investment options are doing fantastic.\n\nYou've got battery tech and lithium up a 101%. Gold's up just under 20 international shares. So all overall, you still clear the 12% return after fees, which is above the 10 for the benchmark. Yeah. Look.\n\nSome years, you're even gonna be down 25, and then it'll go up 40, and that's just as long as you're in high growth, that's kind of the the roller coaster we do to average out for a decade, and then we reduce the risk down once it's built. There is one thing I'll do, though, is sorry to interrupt you. One investment option is kind of it's not doing too well, the Australian shares. It's, from what I can see, down 16. The rest of the portfolio is looking really good.\n\nSo if I'm gonna be updating the insurances, I may just replace that option just to get a bit of an engine tune up going. Yeah. And it's one of those things where this option's going down a bit further than the other ones, and I wanna kind of just bring that back in line a little bit. Do you have a bit of a preference between that kind of low fee, passive style versus the higher fee, try and beat the market, get a higher return style? Do you have a preference?\n\nYeah. Well, one of the little improvements I can do is, like, you're in this blended style at the moment where most of them are low fee ETFs, and then that one managed funds, the active portion hasn't been doing its thing. But there's we've got really good alternatives across all the different styles. And Hub's got the most investment options in the country, so I can pick a really good one, get the fees down a bit, and it's done better, you know, short term, medium term, long term. And I can do a bit of a little switcheroo.\n\nYes. Yeah. So when I'm looking at your account, Hub's got their one point 25% minimum cash Hub balance for the bank account. But outside of that, everything's invested. So there's, like, 18 $100 sitting there ready to clear.\n\nThose little buys you see, you know, contributions come in, buys into the market with a dollar cost averaging. Okay. So I could update that one option there. Now just bear on because you are in that high growth, you're kind of that 90% growth assets, shares, property, gold, you still got just shy of about 6% sitting sitting in fixed interest, which is a small portion in the lower risk, you know, earns four to 5% safe return. Look.\n\nThe high growth's long term, fantastic. I'm just letting you know that there's a small portion that's in a little bit lower risk. It's not cash, but it's the one above cash. Cool. Alrighty.\n\nSo game plan from here is pretty much just go through your your settlement and everything as you do. We will get the life and TPD insurances trimmed down, portfolio tuned up, and then I'll kind of run through that with you in an updated advice document. And you can kind of say what I'm proposing, make sure you're happy. I'll do the switches, and then we'll come back around for the income protection and further contribution strategies. Yep.\n\nI will include the 32 and a half just so you can see it as well. Let me have a look. I'm gonna do a very, very rough on the phone projection here. Just let me plug in a few figures. Just while I'm updating this projection here, I do have to ask you one more sort of personal question, and it's just around the estate planning in terms of beneficiary nominations, whether you wanted to still leave them as is or if you had someone else that you wanted to now switch for the nomination.\n\nYep. In next meeting as well. That's cool. I'm just putting in here the 500 a week to start with, and then anything that goes in super, obviously, there's the the 15% that comes off of it. So I'm just gonna work that off, get you a bit more of a conservative projection here, and I'll work my way up.\n\nSo in terms of retirement, are we still just hitting, like, a nice normal kind of age 65, 67? Okay. This alright. This is incumbent on you getting a nice high growth return for quite a while and that level of contributions for quite a while, but I'll give you a few rough figures here. So let's say we do $4.25 a week after tax.\n\nThat's your your contributions currently. 10% benchmark return for high growth. You're kind of just getting shy. You're just hitting a million dollars at 65. But that doesn't take into account a slight risk reduction in those last few years.\n\nSo call it $85,900,000 just based on benchmark. Yeah. If I add that in, a $188.05, that impacts things by another 2 to 400,000. So that pretty much guarantees based on benchmark return, your contribution level, and a 188,000 balance that you will clear that mark. And the last thing I'm gonna bump up is if I go to 32 and a half, let's call it $6.25.\n\nBump that in there. The extra contributions impacts it by from about 1.4 to 1.6. So getting that 32 and a half in there, that's another couple of 100,000. And then for every 1% over that is another 200,000. So as long as we're getting at least 10% return, current contributions and a 188,000, it it's this weird trade off where the last ten years going from 51 to 60 is where it ramps up to that million, 1 0.2, 1.4, or 800.\n\nAnd then you've got to kind of turn the risk off so you don't just lose it all when the stock market crash at 63. Yep. But that level of contributions, high growth in that balance, you have a really strong way to catch that right up. And even if we did a, let's say, work had to slow down for two years between '60 and '62, we can do a transition to retirement strategy. So you can take some money out of super and put it back in again for a deduction and boost it up a little extra that way.\n\nThere's a few things that we can do. So looking pretty good as long as we can maintain that. But, again, it's pretty much just gonna be every year. We just have an updated discussion what's going on in the markets, what do we need to fine tune, and your outcome is gonna be somewhere between $8.50 1.4. Yeah.\n\nCool. So I've got a bit of a game plan. Does all that kind of make sense to start with while I build the plan and do the research? Awesome. From here, I'm actually about to go on leave for two weeks.\n\nI'm having a my third baby is due next week. Thank you. So two boys, and I've got a girl on the way. So I'll be on paternity leave for a fortnight, and then that's basically what when the team does the research while I'm away. And then I'll build that plan, and they'll book you in to go through it with me.\n\nAnd then we'll do another catch up, you know, six months later to go through steps two. Yep. I will pretty much be looking through everything. Sorry. You go.\n\nYes. So I'll pull up the service agreement at the moment. Let's have a little look. So your service agreement still runs through till October 2026 currently, and it doesn't expire until March 2027. It'll be one of the things where I'll have a discussion with you towards that endpoint, and we can kind of discuss what the services look like.\n\nIf I can maintain it, I will, but it's a request that I would have to put through next year. Yep. Yeah. So it was 1.65, and the couple's discount's 1.1. Yep.\n\nAnd then once you hit 600,000, that's when it flat caps. And, again, everything after that because we've got the clients 1,000,000, 2,000,000, that kind of thing, and we have to put a bit of a cap at the 600 mark. Cool. Any questions so far, or does that sound good? Cool.\n\nIf you have any questions in between and something changes, you wanna have a chat while I'm away, we do have Larissa, our head of advice, and the rest of the advice team still available. But if there's any emergencies, they'll contact me as well. Cool. I'm just quickly checking the updated goals here because I've got the retirement goals set in there. We've got the updated sort of property settlement to bedroom as the idea for the next twelve months and just kind of altering the insurances a little bit.\n\nThat's what I'm putting in there as goals. No. No. So what I'm sort of saying is potentially a 100 is what we're I'm not even gonna include it now until it's a reality. Outside of that, I'm saying property settlement 40 goes into cash alongside the 55 in shares and the 50 in savings for the time being.\n\nYeah. So if we attack it from three, four angles, pretty well, good chance to get there. Awesome. Alright, mate, mate. Appreciate your time today.\n\nI will work my magic and do my thing. And then in about four weeks' time, you'll get booked in with me, and we'll run through the the plan together. And then I'm good to go. Awesome, mate. You have a great night.\n\nAnything you need, just call straight back. I will. Thank you so much, Matt. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Matthew.","start":1.28,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.26801395416259766},{"text":"It's Tom here, senior adviser.","start":2.3999999,"end":3.84,"sentiment":"neutral","sentiment_score":0.20104207396507262},{"text":"How are you going?","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.20729588717222214},{"text":"Right.","start":6.48,"end":6.8799996,"sentiment":"positive","sentiment_score":0.46041855216026306},{"text":"Living the dream so far.","start":6.8799996,"end":8.0,"sentiment":"positive","sentiment_score":0.642765736579895}],"sentiment":"positive","sentiment_score":0.3507046120034324,"num_words":18,"start":1.28,"end":8.0},{"sentences":[{"text":"It's a cool evening, and the week is flying by pretty quick already.","start":8.0,"end":11.92,"sentiment":"positive","sentiment_score":0.7212981214890113},{"text":"What about your end?","start":11.92,"end":12.975,"sentiment":"neutral","sentiment_score":0.165141886100173},{"text":"No.","start":16.815,"end":16.975,"sentiment":"neutral","sentiment_score":-0.03980962187051773},{"text":"It's okay.","start":16.975,"end":17.295,"sentiment":"neutral","sentiment_score":0.08490629866719246},{"text":"It didn't actually ring through, so I don't think you would have seen it.","start":17.295,"end":19.855,"sentiment":"neutral","sentiment_score":0.013080125857543732}],"sentiment":"neutral","sentiment_score":0.30442846650668587,"num_words":34,"start":8.0,"end":19.855},{"sentences":[{"text":"It just went straight to voice mail, and I was like, oh, I'll send him a text just in case.","start":19.855,"end":23.395,"sentiment":"neutral","sentiment_score":0.06891275942325592},{"text":"Yeah.","start":28.99,"end":29.49,"sentiment":"neutral","sentiment_score":-0.014779764227569103},{"text":"Yeah.","start":52.94,"end":53.44,"sentiment":"neutral","sentiment_score":0.06433341652154922},{"text":"Yeah.","start":69.355,"end":69.855,"sentiment":"neutral","sentiment_score":0.08898007869720459},{"text":"Yeah.","start":74.49,"end":74.99,"sentiment":"neutral","sentiment_score":-0.00792512483894825}],"sentiment":"neutral","sentiment_score":0.06286932477572311,"num_words":24,"start":19.855,"end":74.99},{"sentences":[{"text":"So what I'll do in this situation, what I gotta do is basically update some of your details, see what I can note down in your fact find in terms of assets, liabilities, what's changed, and then I'll pretty much come up with a bit of a game plan with you on how you're tracking and whether we need to adjust anything, whether it's the insurance or the super.","start":76.97,"end":96.305,"sentiment":"neutral","sentiment_score":0.06032785103804823},{"text":"So I'm just pulling up your super account now.","start":96.765,"end":99.645004,"sentiment":"neutral","sentiment_score":0.17484642234113482},{"text":"And while I'm doing that, with the separation, has that finalized in terms of a property settlement?","start":99.645004,"end":105.97,"sentiment":"neutral","sentiment_score":0.09538515131263171},{"text":"Yeah.","start":112.11,"end":112.61,"sentiment":"neutral","sentiment_score":-0.002560354769229889},{"text":"Settling of style.","start":123.085,"end":124.225,"sentiment":"neutral","sentiment_score":-0.053084938476483025}],"sentiment":"neutral","sentiment_score":0.07268658509910708,"num_words":99,"start":76.97,"end":124.225},{"sentences":[{"text":"Yeah.","start":138.39499,"end":138.89499,"sentiment":"neutral","sentiment_score":-0.061910927295684814},{"text":"So that's some of the the considerations that I have to do as well because once you go through and that's finalized is I need to take a bit of stock in where that lands and see how much we need to do in terms of, like, catching up the super, how that's actually projecting, and things like that.","start":139.675,"end":158.21,"sentiment":"neutral","sentiment_score":-0.010552240298839949},{"text":"When I've got some final figures, that'll help a little bit, but I will check the super with you today.","start":158.21,"end":162.53,"sentiment":"neutral","sentiment_score":0.05946542974561453},{"text":"But just bear in mind, there'll be a couple things that'll be on hold.","start":162.53,"end":165.495,"sentiment":"neutral","sentiment_score":-0.08258940598794393},{"text":"So just quickly with the investment property, I last had it listed when you spoke to Kyle at six hundred and fifty thousand value owing $3.80.","start":166.775,"end":174.855,"sentiment":"neutral","sentiment_score":-0.014477455272124363}],"sentiment":"neutral","sentiment_score":-0.008565416924344997,"num_words":120,"start":138.39499,"end":174.855},{"sentences":[{"text":"Do you know what the new figures are?","start":174.855,"end":176.635,"sentiment":"neutral","sentiment_score":-0.019449010491371155},{"text":"Yep.","start":187.59,"end":188.09,"sentiment":"neutral","sentiment_score":-0.08992182463407516},{"text":"$5.30.","start":188.39,"end":189.20999,"sentiment":"neutral","sentiment_score":-0.1178942173719406},{"text":"Yep.","start":199.44499,"end":199.94499,"sentiment":"neutral","sentiment_score":0.002195116598159075},{"text":"Yeah.","start":205.37999,"end":205.87999,"sentiment":"neutral","sentiment_score":-0.023836541920900345}],"sentiment":"neutral","sentiment_score":-0.03208746260497719,"num_words":12,"start":174.855,"end":205.87999},{"sentences":[{"text":"Yep.","start":223.635,"end":224.135,"sentiment":"neutral","sentiment_score":0.017290860414505005},{"text":"Yeah.","start":224.275,"end":224.67499,"sentiment":"neutral","sentiment_score":0.022336594760417935},{"text":"Okay.","start":224.67499,"end":225.155,"sentiment":"neutral","sentiment_score":0.02362210676074028},{"text":"So you think it might actually come into your account?","start":225.155,"end":227.415,"sentiment":"neutral","sentiment_score":0.011402054317295551},{"text":"Yep.","start":237.17,"end":237.57,"sentiment":"neutral","sentiment_score":0.03217163681983948}],"sentiment":"neutral","sentiment_score":0.0149601244234613,"num_words":14,"start":223.635,"end":237.57},{"sentences":[{"text":"No worries.","start":237.57,"end":238.13,"sentiment":"neutral","sentiment_score":0.04140655882656574},{"text":"So as far as other assets go, so the property is gonna clear maybe $40,000 each.","start":238.13,"end":242.805,"sentiment":"neutral","sentiment_score":0.02174657373689115},{"text":"We did have two vehicles listed.","start":242.965,"end":245.44499,"sentiment":"neutral","sentiment_score":0.030665301717817783},{"text":"One was for the partner.","start":245.44499,"end":247.045,"sentiment":"neutral","sentiment_score":0.01592061948031187},{"text":"One was a u for yourself that you still had a bit of debt on.","start":247.045,"end":249.94499,"sentiment":"neutral","sentiment_score":-0.01985224721332391}],"sentiment":"neutral","sentiment_score":0.009012943112545392,"num_words":44,"start":237.57,"end":249.94499},{"sentences":[{"text":"And then we had some shares and tools was the main assets.","start":251.28499,"end":254.265,"sentiment":"neutral","sentiment_score":0.010829779241854945},{"text":"Yep.","start":262.34,"end":262.84,"sentiment":"neutral","sentiment_score":0.017322637140750885},{"text":"Perfect.","start":266.74002,"end":267.24002,"sentiment":"positive","sentiment_score":0.4151358306407929},{"text":"Alrighty.","start":267.595,"end":267.915,"sentiment":"positive","sentiment_score":0.3893803358078003},{"text":"So that's amazing.","start":267.915,"end":268.875,"sentiment":"positive","sentiment_score":0.546679159005483}],"sentiment":"neutral","sentiment_score":0.14399075730600291,"num_words":18,"start":251.28499,"end":268.875},{"sentences":[{"text":"I'm just having a look.","start":268.875,"end":269.915,"sentiment":"neutral","sentiment_score":0.23841701745986937},{"text":"We've updated your address already.","start":269.915,"end":271.855,"sentiment":"neutral","sentiment_score":0.14625248014926912},{"text":"So let me just triple check that I've got all of that.","start":272.235,"end":275.535,"sentiment":"neutral","sentiment_score":0.12494316572944324},{"text":"1 Slash 17 Surrey Street in Box Hill.","start":276.635,"end":279.375,"sentiment":"neutral","sentiment_score":0.024853590177372098},{"text":"Yep.","start":282.17,"end":282.49002,"sentiment":"neutral","sentiment_score":0.01275460422039032}],"sentiment":"neutral","sentiment_score":0.11723383233672188,"num_words":31,"start":268.875,"end":282.49002},{"sentences":[{"text":"1 Slash 17.","start":282.49002,"end":283.45,"sentiment":"neutral","sentiment_score":0.005667302602281173},{"text":"Sorry.","start":283.45,"end":283.95,"sentiment":"neutral","sentiment_score":-0.003979237750172615},{"text":"And that's in 3128.","start":284.25,"end":286.35,"sentiment":"neutral","sentiment_score":0.010341289918869734},{"text":"The email address that we've got on file, let me just quickly double check that one.","start":289.05002,"end":293.71002,"sentiment":"neutral","sentiment_score":0.06792634888552129},{"text":"We've got mSmithGardens@OptusNet.","start":293.965,"end":296.865,"sentiment":"neutral","sentiment_score":0.06563705826799075}],"sentiment":"neutral","sentiment_score":0.049560021729794915,"num_words":27,"start":282.49002,"end":296.865},{"sentences":[{"text":"Yep.","start":298.845,"end":299.32498,"sentiment":"neutral","sentiment_score":0.10035917162895204},{"text":"Alright.","start":299.32498,"end":299.82498,"sentiment":"neutral","sentiment_score":0.10810153931379318},{"text":"Gardens OptusNet.","start":300.925,"end":302.465,"sentiment":"neutral","sentiment_score":0.08723965287208557},{"text":"Alrighty.","start":303.965,"end":304.445,"sentiment":"neutral","sentiment_score":0.13292907178401947},{"text":"And in terms of last two sort of bit more personal update questions for you, just in terms of occupation and income, landscape gardener on about a 100,000.","start":304.445,"end":313.88,"sentiment":"neutral","sentiment_score":0.06591978802212647}],"sentiment":"neutral","sentiment_score":0.07156433797243869,"num_words":33,"start":298.845,"end":313.88},{"sentences":[{"text":"Yep.","start":317.46,"end":317.96,"sentiment":"neutral","sentiment_score":0.2708614766597748},{"text":"And we did have two children listed.","start":318.26,"end":321.06,"sentiment":"neutral","sentiment_score":0.14327417952673777},{"text":"One was 17 and 13 at the time, which was about a year ago nine months ago.","start":321.06,"end":326.515,"sentiment":"neutral","sentiment_score":0.07460821288473465},{"text":"Eighteen and fifteen.","start":329.295,"end":330.675,"sentiment":"neutral","sentiment_score":0.12254880865414937},{"text":"One thing I wanted to do, I'm gonna jump into the super now, but just in terms of I know it's early, but goals wise.","start":331.775,"end":338.40002,"sentiment":"neutral","sentiment_score":0.18931736528873444}],"sentiment":"neutral","sentiment_score":0.1442019039729856,"num_words":53,"start":317.46,"end":338.40002},{"sentences":[{"text":"So once everything kind of settles, do you already have a bit of an idea of what the kind of next steps are for you, or do you wanna kind of revisit that later?","start":338.46002,"end":346.64,"sentiment":"neutral","sentiment_score":0.1304309084354078},{"text":"Yeah.","start":357.755,"end":358.255,"sentiment":"neutral","sentiment_score":0.10797198116779327},{"text":"Yeah.","start":370.33002,"end":370.83002,"sentiment":"neutral","sentiment_score":0.11710403859615326},{"text":"Yeah.","start":377.38498,"end":377.54498,"sentiment":"neutral","sentiment_score":0.007067408412694931},{"text":"Anything property wise that you wanna kind of get another one with all the cash and assets?","start":377.54498,"end":381.805,"sentiment":"neutral","sentiment_score":0.028002848191296354}],"sentiment":"neutral","sentiment_score":0.0952378284117138,"num_words":54,"start":338.46002,"end":381.805},{"sentences":[{"text":"Yep.","start":388.2,"end":388.7,"sentiment":"neutral","sentiment_score":0.10045933723449708},{"text":"Okay.","start":404.29498,"end":404.775,"sentiment":"neutral","sentiment_score":0.08946551382541656},{"text":"So that kinda swings me over to the superannuation portion of the insurances.","start":404.775,"end":410.235,"sentiment":"neutral","sentiment_score":0.08072383558520904},{"text":"So what I'm gonna kinda do do you have any of your original certificates or current insurances open in front of you?","start":410.9,"end":417.56,"sentiment":"neutral","sentiment_score":0.05945452023297548},{"text":"The trauma.","start":435.65,"end":436.39,"sentiment":"neutral","sentiment_score":-0.12368811294436455}],"sentiment":"neutral","sentiment_score":0.058973280330881096,"num_words":39,"start":388.2,"end":436.39},{"sentences":[{"text":"Yeah.","start":436.53,"end":437.03,"sentiment":"neutral","sentiment_score":0.03757671266794205},{"text":"Absolutely.","start":437.25,"end":437.75,"sentiment":"neutral","sentiment_score":0.223651260137558},{"text":"I've got it all open in front of me.","start":439.09,"end":441.19,"sentiment":"neutral","sentiment_score":0.2144435313012865},{"text":"So I'm having a quick look at the the four policies, the way they're split, and everything like that.","start":441.25,"end":446.87,"sentiment":"neutral","sentiment_score":0.02180087576179128},{"text":"Let's just have a quick look.","start":449.145,"end":451.645,"sentiment":"neutral","sentiment_score":0.027985249646008015}],"sentiment":"neutral","sentiment_score":0.07703744144075447,"num_words":36,"start":436.53,"end":451.645},{"sentences":[{"text":"So income protections there, five thousand 966 per month worth of cover.","start":451.705,"end":458.26498,"sentiment":"neutral","sentiment_score":0.033648913415769734},{"text":"That's, like, the payment that would come out to you.","start":458.26498,"end":460.47,"sentiment":"neutral","sentiment_score":0.08285250924527646},{"text":"Thirty day waiting period, five year benefit.","start":460.55,"end":462.87,"sentiment":"neutral","sentiment_score":0.12123218178749084},{"text":"That's pretty perfect.","start":462.87,"end":463.75,"sentiment":"positive","sentiment_score":0.6244883139928182},{"text":"It's like you're out of work for a month, kicks in monthly up to five years for each injury and illness, if that makes sense.","start":463.75,"end":470.09,"sentiment":"neutral","sentiment_score":-0.07565472796559333}],"sentiment":"neutral","sentiment_score":0.03619358015426418,"num_words":57,"start":451.705,"end":470.09},{"sentences":[{"text":"I'm just double checking your inception date.","start":471.03,"end":473.03,"sentiment":"neutral","sentiment_score":0.0905809413109507},{"text":"So that covers 70% of income, which is covering an income of about a $102,100 and 203,000 is being protected at the moment.","start":473.03,"end":482.045,"sentiment":"neutral","sentiment_score":0.10160495146461156},{"text":"So if that's okay for you, just bear in mind, like yeah, yeah, it's mainly like an expense covering exercise there.","start":483.625,"end":497.63998,"sentiment":"neutral","sentiment_score":0.05708370322272891},{"text":"And what tends to happen is, like, let's say I've recorded you as a 100,000 income, let's say, and you go and claim.","start":497.63998,"end":504.245,"sentiment":"neutral","sentiment_score":0.014747258660424015},{"text":"You give them your twelve months financials.","start":504.305,"end":506.085,"sentiment":"neutral","sentiment_score":0.019058690007243837}],"sentiment":"neutral","sentiment_score":0.05731279036766033,"num_words":81,"start":471.03,"end":506.085},{"sentences":[{"text":"If they say you're protected for a 102,000, but you own a 100, they'll give you 70% on the 100,000 that you've actually got on paper.","start":506.305,"end":515.125,"sentiment":"neutral","sentiment_score":0.029230097881876506},{"text":"So just bear in mind that it's very close, but it'll be based on the actual income at the time.","start":515.24,"end":521.33997,"sentiment":"neutral","sentiment_score":-0.01440334115177393},{"text":"Life and DPD insurance, so that's your total disability where it's like if you pass away, here's a lump sum.","start":523.24,"end":528.885,"sentiment":"neutral","sentiment_score":-0.005210266821086407},{"text":"If you can never work again, here's a lump sum.","start":528.945,"end":531.685,"sentiment":"neutral","sentiment_score":-0.018557211384177208},{"text":"You have 787,500 of those.","start":532.065,"end":535.685,"sentiment":"neutral","sentiment_score":0.13840376883745192}],"sentiment":"neutral","sentiment_score":0.010792063158235433,"num_words":81,"start":506.305,"end":535.685},{"sentences":[{"text":"And combined, they're a little bit under $2 in premiums.","start":535.985,"end":539.765,"sentiment":"neutral","sentiment_score":0.11358209177851677},{"text":"So I wanna kind of run that by you because if you're gonna purchase that two bedroom apartment, have you got any idea about how much that would cost?","start":540.065,"end":549.13,"sentiment":"neutral","sentiment_score":0.08296604611878765},{"text":"$4.50 and 500.","start":552.71,"end":554.25,"sentiment":"neutral","sentiment_score":0.00864983924354116},{"text":"So what that kind of says is that outside of debt clearance, future liabilities, you look a little bit over insured unless you're wanting that lump sum cover to replace, like, lost income for the family, kids, and so on.","start":554.39,"end":569.34,"sentiment":"neutral","sentiment_score":-0.05410004793666303},{"text":"Yeah.","start":580.94,"end":581.26,"sentiment":"neutral","sentiment_score":-0.07405075430870056}],"sentiment":"neutral","sentiment_score":0.01602088073717363,"num_words":83,"start":535.985,"end":581.26},{"sentences":[{"text":"So if I let's say 787,000 current, 500,000 flat as an example, that chops about a third of it off.","start":581.26,"end":590.545,"sentiment":"neutral","sentiment_score":-0.04767294228076935},{"text":"So you go from, say, 1,900 down to 1,400 kind of thing would be my estimate.","start":590.545,"end":601.03,"sentiment":"neutral","sentiment_score":-0.0062831632094457746},{"text":"Yeah.","start":601.57,"end":602.07,"sentiment":"neutral","sentiment_score":0.03395893797278404},{"text":"Yeah.","start":611.205,"end":611.605,"sentiment":"neutral","sentiment_score":0.13816559314727783},{"text":"Because it's one of those things where what you want it for so step one, okay, get a a mortgage, clears the mortgage, happy days.","start":611.605,"end":619.525,"sentiment":"neutral","sentiment_score":0.2927230989933014}],"sentiment":"neutral","sentiment_score":0.10216210395215995,"num_words":63,"start":581.26,"end":619.525},{"sentences":[{"text":"You've got your income protection to kick in.","start":619.525,"end":621.605,"sentiment":"positive","sentiment_score":0.4011439010500908},{"text":"That's great.","start":621.605,"end":622.425,"sentiment":"positive","sentiment_score":0.6540074348449707},{"text":"And then from there, you can insure yourself for millions and come up with all reasons for it.","start":622.55,"end":627.02997,"sentiment":"neutral","sentiment_score":0.27900321284929913},{"text":"You can say, okay.","start":627.02997,"end":628.08997,"sentiment":"neutral","sentiment_score":0.09405910409986973},{"text":"If I can never work again, I want the mortgage paid off, but then I also want a million dollars to live off and invest and renovate the house and do all this sort of thing, and you can just add so many different things on.","start":628.23,"end":639.39496,"sentiment":"neutral","sentiment_score":0.09140160282992799}],"sentiment":"neutral","sentiment_score":0.18102479558915663,"num_words":78,"start":619.525,"end":639.39496},{"sentences":[{"text":"And the problem that you've got is that every January, that's gonna go up in premiums.","start":639.855,"end":645.475,"sentiment":"neutral","sentiment_score":-0.17519402806647122},{"text":"And before you know it, just under 5,000 becomes 6 and a half, becomes 8, becomes 10, becomes 15 over the next ten years.","start":645.855,"end":654.88,"sentiment":"neutral","sentiment_score":-0.14180725098898014},{"text":"And before you know it, then the supercombing backwards.","start":654.88,"end":657.06,"sentiment":"neutral","sentiment_score":-0.04158773086965084},{"text":"Through the fifties and sixties is when it starts to become a bit of a hockey stick, and that's what I'm saying where it goes from, like, 3 to 15,000 a year over a ten year period.","start":673.55,"end":683.49,"sentiment":"neutral","sentiment_score":-0.10522636449014819},{"text":"So the idea is as you pay debt down, you can trim it down, or you have to shop around every couple of years.","start":683.845,"end":690.185,"sentiment":"neutral","sentiment_score":0.06368812173604965}],"sentiment":"neutral","sentiment_score":-0.08132389650087465,"num_words":110,"start":639.855,"end":690.185},{"sentences":[{"text":"Yes.","start":705.78,"end":706.28,"sentiment":"neutral","sentiment_score":0.047274891287088394},{"text":"So I need to do a couple of checks because not only do we do a bit of a trim down, I can like, it's been a couple of years just about.","start":708.91504,"end":717.09503,"sentiment":"neutral","sentiment_score":0.01310101873241365},{"text":"I can shop around and see if there's someone that's more affordable there.","start":717.635,"end":720.435,"sentiment":"neutral","sentiment_score":0.1307581955423722},{"text":"Like, I know MetLife did a pretty good deal initially.","start":720.435,"end":723.255,"sentiment":"neutral","sentiment_score":0.3322488456964493},{"text":"It hasn't been long enough that there would be too many, but I'm gonna just do the due diligence, research the market, and see.","start":724.25,"end":730.67,"sentiment":"neutral","sentiment_score":0.09680181772758563}],"sentiment":"neutral","sentiment_score":0.0976512014400214,"num_words":80,"start":705.78,"end":730.67},{"sentences":[{"text":"You can get default cover when you apply for an account, like, within sixty days.","start":736.66504,"end":740.905,"sentiment":"neutral","sentiment_score":0.05232965399821599},{"text":"You can get a bit of a default cover added there.","start":740.905,"end":743.305,"sentiment":"neutral","sentiment_score":0.0695005130361427},{"text":"But the main one for you at the moment, the kicker is the income protection.","start":743.305,"end":746.525,"sentiment":"neutral","sentiment_score":-0.14347318410873414},{"text":"That's kind of your most expensive one.","start":746.905,"end":749.085,"sentiment":"negative","sentiment_score":-0.4388273741517748},{"text":"Yeah.","start":757.35,"end":757.82996,"sentiment":"neutral","sentiment_score":-0.015368975698947906}],"sentiment":"neutral","sentiment_score":-0.0753022021024811,"num_words":49,"start":736.66504,"end":757.82996},{"sentences":[{"text":"Yeah.","start":757.82996,"end":758.32996,"sentiment":"neutral","sentiment_score":-0.04512723162770271},{"text":"There there is a bit of a trade off that you can consider, and it's it's purely up to you here, is you can adjust the waiting periods and the benefit periods.","start":773.205,"end":781.4,"sentiment":"neutral","sentiment_score":-0.02280981589865405},{"text":"So what's possible is if you go, okay.","start":781.7,"end":784.34,"sentiment":"neutral","sentiment_score":0.013706457451917231},{"text":"If I'm out of work for a month, this will kick in.","start":784.34,"end":786.74,"sentiment":"neutral","sentiment_score":-0.10217100443939368},{"text":"But if you've got some savings built up, you can extend it out to sixty or ninety days, and that reduces it quite heavily.","start":786.74,"end":793.185,"sentiment":"neutral","sentiment_score":0.08595954533666372}],"sentiment":"neutral","sentiment_score":0.0022284071952975416,"num_words":77,"start":757.82996,"end":793.185},{"sentences":[{"text":"And then you've got the option to reduce the benefit period per injury from five years to two years.","start":793.645,"end":798.625,"sentiment":"neutral","sentiment_score":0.0067326130443497705},{"text":"So it's more like short term.","start":799.565,"end":801.185,"sentiment":"neutral","sentiment_score":-0.06742851932843526},{"text":"Yep.","start":819.995,"end":820.495,"sentiment":"neutral","sentiment_score":0.09397303313016891},{"text":"So if you want, I will look at a bit of a reduction of the life in TPD to 500,000 flat, and then we can revisit altering the income protection next year.","start":821.595,"end":833.59,"sentiment":"neutral","sentiment_score":0.005824141146149486},{"text":"K.","start":835.89,"end":836.39,"sentiment":"neutral","sentiment_score":0.14613020420074463}],"sentiment":"neutral","sentiment_score":0.002539394675927647,"num_words":59,"start":793.645,"end":836.39},{"sentences":[{"text":"I still will just do a bit of a search on providers because if I see something amazing, that's like a 40% savings.","start":836.69,"end":842.37,"sentiment":"neutral","sentiment_score":0.19908425924570664},{"text":"I'll bring it up with you.","start":842.37,"end":843.495,"sentiment":"neutral","sentiment_score":0.17858737955490747},{"text":"But if not, I'm just gonna do an alteration with MetLife because there's no you you sign the letter saying trim it down.","start":843.575,"end":849.335,"sentiment":"neutral","sentiment_score":-0.009985078328653522},{"text":"They just do it straight away.","start":849.335,"end":850.375,"sentiment":"neutral","sentiment_score":-0.0036642917742331824},{"text":"There's no applications and underwriting and health checks and all that kind of thing.","start":850.375,"end":854.315,"sentiment":"neutral","sentiment_score":-0.01865643834961312}],"sentiment":"neutral","sentiment_score":0.07135596598446783,"num_words":72,"start":836.69,"end":854.315},{"sentences":[{"text":"But if there's a big difference, I will flag it for you.","start":854.375,"end":857.64,"sentiment":"neutral","sentiment_score":0.02933799692740043},{"text":"Yeah.","start":864.28,"end":864.76,"sentiment":"neutral","sentiment_score":0.07073836028575897},{"text":"It's $5.04 gross, and then the 15% rebate drops it down to $4.05 sorry, 4 6.","start":864.76,"end":873.065,"sentiment":"neutral","sentiment_score":0.10745173785835505},{"text":"Yep.","start":895.715,"end":896.215,"sentiment":"neutral","sentiment_score":0.26015394926071167},{"text":"They're just increasing to 32 and a half next financial year.","start":913.00995,"end":916.70996,"sentiment":"neutral","sentiment_score":0.1738101691007614}],"sentiment":"neutral","sentiment_score":0.1052216570370081,"num_words":41,"start":854.375,"end":916.70996},{"sentences":[{"text":"Yeah.","start":921.825,"end":922.14496,"sentiment":"neutral","sentiment_score":0.1098739206790924},{"text":"Exactly right.","start":922.14496,"end":923.285,"sentiment":"neutral","sentiment_score":0.12559915333986282},{"text":"No.","start":927.58496,"end":927.90497,"sentiment":"neutral","sentiment_score":-0.07453795522451401},{"text":"So anything above that, they look back five years to see if there's any cap that you've unused.","start":927.90497,"end":932.32,"sentiment":"neutral","sentiment_score":-0.07000228472881848},{"text":"And then outside of that, they start hitting you at that marginal rate with the 15 percent offset.","start":932.32,"end":937.14,"sentiment":"neutral","sentiment_score":-0.007173197550906075}],"sentiment":"neutral","sentiment_score":-0.027565610222518445,"num_words":40,"start":921.825,"end":937.14},{"sentences":[{"text":"We can help with it.","start":944.495,"end":945.375,"sentiment":"neutral","sentiment_score":0.19186481311917306},{"text":"The only thing that I need from you is if you go on your myGov, they have a section there that will literally tell you you have this much to use the last five financial years, and they'll break down every year for you.","start":945.375,"end":957.45,"sentiment":"neutral","sentiment_score":0.1485890747809952},{"text":"So I can even guide you through there if you wanna hop on my gov now, or we can just grab that off you later.","start":957.69,"end":962.51,"sentiment":"neutral","sentiment_score":0.20467926770448686},{"text":"You can do it next financial year is totally cool.","start":970.025,"end":972.585,"sentiment":"positive","sentiment_score":0.7729139149188995},{"text":"It just means that because they look back five years, as each year progresses, that previous one gets chopped off.","start":972.585,"end":979.005,"sentiment":"neutral","sentiment_score":-0.08486895412206649}],"sentiment":"neutral","sentiment_score":0.17928831841653356,"num_words":104,"start":944.495,"end":979.005},{"sentences":[{"text":"Yep.","start":987.24,"end":987.74,"sentiment":"neutral","sentiment_score":0.09396950900554656},{"text":"Yep.","start":995.65497,"end":996.055,"sentiment":"neutral","sentiment_score":0.11921072006225586},{"text":"So when I look at the super, do you want me to consider what it looks like with the 30 slash 32 and a half going in there in terms of projections going forward?","start":996.055,"end":1006.695,"sentiment":"neutral","sentiment_score":0.04402830911909833},{"text":"Like, I'll update your your advice with the insurance premiums and what that does.","start":1006.695,"end":1012.38,"sentiment":"neutral","sentiment_score":0.08955667327557292},{"text":"And you're doing four.","start":1014.19995,"end":1016.77997,"sentiment":"neutral","sentiment_score":-0.009272340103052557}],"sentiment":"neutral","sentiment_score":0.05420086675116585,"num_words":54,"start":987.24,"end":1016.77997},{"sentences":[{"text":"Yep.","start":1017.63995,"end":1018.13995,"sentiment":"neutral","sentiment_score":-0.010061990469694138},{"text":"Yeah.","start":1029.655,"end":1030.135,"sentiment":"neutral","sentiment_score":-0.025419259443879128},{"text":"So the cap's the cap, and then all the expenses under the hood, they all get these 15% rebates, but they don't allow you to do extra to cover all the expenses.","start":1030.135,"end":1038.2899,"sentiment":"neutral","sentiment_score":-0.10597716318443418},{"text":"So the insurances don't extend your cap or anything like that.","start":1038.59,"end":1041.73,"sentiment":"neutral","sentiment_score":-0.22354239225387573},{"text":"So based on the four 100 okay.","start":1044.75,"end":1048.69,"sentiment":"neutral","sentiment_score":0.13422812947205134}],"sentiment":"neutral","sentiment_score":-0.09511769000584117,"num_words":52,"start":1017.63995,"end":1048.69},{"sentences":[{"text":"Perfect.","start":1051.215,"end":1051.715,"sentiment":"positive","sentiment_score":0.4575670659542084},{"text":"I won't do any at the moment.","start":1051.9349,"end":1053.455,"sentiment":"neutral","sentiment_score":-0.17000554289136613},{"text":"We'll just come back to that next time.","start":1053.455,"end":1055.2949,"sentiment":"neutral","sentiment_score":0.004307289607822895},{"text":"Because, again, when we look at the income protection, we can also have a look for any lump sums to do Next one is for you.","start":1055.2949,"end":1062.37,"sentiment":"neutral","sentiment_score":0.0675626491697935},{"text":"So I'll put that in as a bit of a pause in terms of lump sum.","start":1062.4299,"end":1065.49,"sentiment":"neutral","sentiment_score":0.043668433325365186}],"sentiment":"neutral","sentiment_score":0.030298455072374178,"num_words":58,"start":1051.215,"end":1065.49},{"sentences":[{"text":"The 400 a week that's going in there at the moment, it's listing as member voluntary through BPAY.","start":1065.71,"end":1072.61,"sentiment":"neutral","sentiment_score":0.06488891463312838},{"text":"Do you normally just go through that notice of intent to claim for it?","start":1072.9099,"end":1076.445,"sentiment":"neutral","sentiment_score":0.03388074196742049},{"text":"That makes sense.","start":1089.6599,"end":1090.72,"sentiment":"neutral","sentiment_score":0.0557539127767086},{"text":"Okay.","start":1091.5,"end":1091.75,"sentiment":"neutral","sentiment_score":0.01272719819098711},{"text":"So Yep.","start":1091.75,"end":1106.955,"sentiment":"neutral","sentiment_score":0.051505733281373985}],"sentiment":"neutral","sentiment_score":0.05066661194800154,"num_words":38,"start":1065.71,"end":1106.955},{"sentences":[{"text":"Perfect.","start":1106.955,"end":1107.355,"sentiment":"positive","sentiment_score":0.38297513127326965},{"text":"Perfect.","start":1107.355,"end":1107.755,"sentiment":"positive","sentiment_score":0.4072223901748657},{"text":"So the we'll put it in as, like, 26 currently.","start":1107.755,"end":1111.215,"sentiment":"neutral","sentiment_score":0.1296447478234768},{"text":"And then do you normally just do the form to claim them as a tax deduction before you do your tax return every year?","start":1111.755,"end":1117.8799,"sentiment":"neutral","sentiment_score":0.07910348948401709},{"text":"Yep.","start":1120.1799,"end":1120.6799,"sentiment":"neutral","sentiment_score":0.1715746372938156}],"sentiment":"neutral","sentiment_score":0.11234333471873321,"num_words":37,"start":1106.955,"end":1120.6799},{"sentences":[{"text":"Perfect.","start":1121.0599,"end":1121.5599,"sentiment":"positive","sentiment_score":0.3672410249710083},{"text":"And I'll do a projection to show you what the 32 and a half does as well just so you can see the difference between the two.","start":1121.86,"end":1129.8799,"sentiment":"neutral","sentiment_score":0.11585551859052093},{"text":"Got that, and we've got that.","start":1130.565,"end":1131.6849,"sentiment":"neutral","sentiment_score":0.1738125334183375},{"text":"Now in terms of balance, you've had a pretty pretty solid buy in from your contributions, which has been really good.","start":1131.6849,"end":1138.645,"sentiment":"positive","sentiment_score":0.5264988158430371},{"text":"I know you had a bit of a rough period in 2025, but the last twelve months is looking really good just in terms of balance going from that sort of 69 up to 88 and a half even with the market dropping.","start":1138.645,"end":1151.77,"sentiment":"neutral","sentiment_score":0.26360322075874304}],"sentiment":"neutral","sentiment_score":0.2747921311505595,"num_words":98,"start":1121.0599,"end":1151.77},{"sentences":[{"text":"So that one's well, that's a bit of a the high growth roller coaster for you is a bit fun.","start":1154.07,"end":1159.2899,"sentiment":"positive","sentiment_score":0.5049073025584221},{"text":"Yep.","start":1169.485,"end":1169.985,"sentiment":"neutral","sentiment_score":0.1836455762386322},{"text":"What do they call that?","start":1170.765,"end":1171.725,"sentiment":"neutral","sentiment_score":0.06235158890485763},{"text":"The risk return trade off where when everything's going up, everyone's excited, and then they panic when it goes down.","start":1171.725,"end":1176.91,"sentiment":"neutral","sentiment_score":0.05457571167498827},{"text":"And then after a few of those, you become a bit more calm to it.","start":1176.91,"end":1180.05,"sentiment":"neutral","sentiment_score":0.1944311146934827}],"sentiment":"neutral","sentiment_score":0.23936935288251424,"num_words":61,"start":1154.07,"end":1180.05},{"sentences":[{"text":"But it seems like a lot.","start":1180.43,"end":1182.21,"sentiment":"negative","sentiment_score":-0.36273987342913944},{"text":"Yeah.","start":1184.51,"end":1184.83,"sentiment":"neutral","sentiment_score":-0.006208796054124832},{"text":"That's it.","start":1184.83,"end":1185.39,"sentiment":"neutral","sentiment_score":-0.008680599741637707},{"text":"That's the one that you're allowed to say, and I'm not on a record call, but I agree.","start":1185.39,"end":1189.09,"sentiment":"neutral","sentiment_score":-0.0020740188451276887},{"text":"One good thing, though, is all of the investment options are doing fantastic.","start":1191.8651,"end":1195.9651,"sentiment":"positive","sentiment_score":0.6842618538783147}],"sentiment":"neutral","sentiment_score":0.1664515631273389,"num_words":40,"start":1180.43,"end":1195.9651},{"sentences":[{"text":"You've got battery tech and lithium up a 101%.","start":1196.025,"end":1199.0651,"sentiment":"positive","sentiment_score":0.541329973273807},{"text":"Gold's up just under 20 international shares.","start":1199.0651,"end":1201.785,"sentiment":"positive","sentiment_score":0.4463136238711221},{"text":"So all overall, you still clear the 12% return after fees, which is above the 10 for the benchmark.","start":1201.785,"end":1207.59,"sentiment":"neutral","sentiment_score":0.1717072820388957},{"text":"Yeah.","start":1211.49,"end":1211.73,"sentiment":"neutral","sentiment_score":0.0613124780356884},{"text":"Look.","start":1211.73,"end":1211.97,"sentiment":"neutral","sentiment_score":0.06290382891893387}],"sentiment":"neutral","sentiment_score":0.30764377816907457,"num_words":37,"start":1196.025,"end":1211.97},{"sentences":[{"text":"Some years, you're even gonna be down 25, and then it'll go up 40, and that's just as long as you're in high growth, that's kind of the the roller coaster we do to average out for a decade, and then we reduce the risk down once it's built.","start":1211.97,"end":1223.905,"sentiment":"neutral","sentiment_score":0.04583829502594106},{"text":"There is one thing I'll do, though, is sorry to interrupt you.","start":1225.245,"end":1228.685,"sentiment":"neutral","sentiment_score":-0.03429840489601096},{"text":"One investment option is kind of it's not doing too well, the Australian shares.","start":1228.685,"end":1233.7899,"sentiment":"neutral","sentiment_score":-0.09140713459679059},{"text":"It's, from what I can see, down 16.","start":1235.37,"end":1238.11,"sentiment":"neutral","sentiment_score":-0.02261052909307182},{"text":"The rest of the portfolio is looking really good.","start":1239.85,"end":1241.95,"sentiment":"neutral","sentiment_score":0.19890795316961077}],"sentiment":"neutral","sentiment_score":0.02352264194506342,"num_words":92,"start":1211.97,"end":1241.95},{"sentences":[{"text":"So if I'm gonna be updating the insurances, I may just replace that option just to get a bit of an engine tune up going.","start":1242.09,"end":1249.875,"sentiment":"neutral","sentiment_score":-0.016989007648080586},{"text":"Yeah.","start":1260.59,"end":1260.91,"sentiment":"neutral","sentiment_score":0.03331927955150604},{"text":"And it's one of those things where this option's going down a bit further than the other ones, and I wanna kind of just bring that back in line a little bit.","start":1260.91,"end":1268.13,"sentiment":"neutral","sentiment_score":0.04875191091559827},{"text":"Do you have a bit of a preference between that kind of low fee, passive style versus the higher fee, try and beat the market, get a higher return style?","start":1269.07,"end":1277.425,"sentiment":"neutral","sentiment_score":0.017950676071147125},{"text":"Do you have a preference?","start":1277.425,"end":1278.405,"sentiment":"neutral","sentiment_score":0.031614577025175096}],"sentiment":"neutral","sentiment_score":0.020056434461386295,"num_words":93,"start":1242.09,"end":1278.405},{"sentences":[{"text":"Yeah.","start":1300.745,"end":1301.0651,"sentiment":"neutral","sentiment_score":0.04556144028902054},{"text":"Well, one of the little improvements I can do is, like, you're in this blended style at the moment where most of them are low fee ETFs, and then that one managed funds, the active portion hasn't been doing its thing.","start":1301.0651,"end":1312.685,"sentiment":"neutral","sentiment_score":0.2028441574515366},{"text":"But there's we've got really good alternatives across all the different styles.","start":1312.87,"end":1316.89,"sentiment":"positive","sentiment_score":0.38706308727463085},{"text":"And Hub's got the most investment options in the country, so I can pick a really good one, get the fees down a bit, and it's done better, you know, short term, medium term, long term.","start":1317.0299,"end":1325.9299,"sentiment":"positive","sentiment_score":0.46333934283918804},{"text":"And I can do a bit of a little switcheroo.","start":1326.225,"end":1328.965,"sentiment":"neutral","sentiment_score":0.2784507632255554}],"sentiment":"neutral","sentiment_score":0.32471652917563915,"num_words":100,"start":1300.745,"end":1328.965},{"sentences":[{"text":"Yes.","start":1343.36,"end":1343.86,"sentiment":"neutral","sentiment_score":0.034691374748945236},{"text":"Yeah.","start":1362.8301,"end":1363.15,"sentiment":"neutral","sentiment_score":-0.003494584932923317},{"text":"So when I'm looking at your account, Hub's got their one point 25% minimum cash Hub balance for the bank account.","start":1363.15,"end":1371.41,"sentiment":"neutral","sentiment_score":0.027640056441582385},{"text":"But outside of that, everything's invested.","start":1371.47,"end":1373.47,"sentiment":"neutral","sentiment_score":0.008208085782825947},{"text":"So there's, like, 18 $100 sitting there ready to clear.","start":1373.47,"end":1376.77,"sentiment":"neutral","sentiment_score":0.029904679767787455}],"sentiment":"neutral","sentiment_score":0.02461367403754057,"num_words":39,"start":1343.36,"end":1376.77},{"sentences":[{"text":"Those little buys you see, you know, contributions come in, buys into the market with a dollar cost averaging.","start":1377.505,"end":1383.525,"sentiment":"neutral","sentiment_score":0.12106734357382122},{"text":"Okay.","start":1385.985,"end":1386.3049,"sentiment":"neutral","sentiment_score":0.15634280443191528},{"text":"So I could update that one option there.","start":1386.3049,"end":1389.105,"sentiment":"neutral","sentiment_score":0.09495139680802822},{"text":"Now just bear on because you are in that high growth, you're kind of that 90% growth assets, shares, property, gold, you still got just shy of about 6% sitting sitting in fixed interest, which is a small portion in the lower risk, you know, earns four to 5% safe return.","start":1389.105,"end":1410.445,"sentiment":"neutral","sentiment_score":0.04919385113844685},{"text":"Look.","start":1411.865,"end":1412.345,"sentiment":"positive","sentiment_score":0.5020978450775146}],"sentiment":"neutral","sentiment_score":0.0778402219992131,"num_words":80,"start":1377.505,"end":1412.345},{"sentences":[{"text":"The high growth's long term, fantastic.","start":1412.345,"end":1414.845,"sentiment":"positive","sentiment_score":0.6993024746576945},{"text":"I'm just letting you know that there's a small portion that's in a little bit lower risk.","start":1415.385,"end":1418.745,"sentiment":"neutral","sentiment_score":0.32595622276558595},{"text":"It's not cash, but it's the one above cash.","start":1418.745,"end":1421.005,"sentiment":"neutral","sentiment_score":0.2164603297909101},{"text":"Cool.","start":1423.6001,"end":1424.1001,"sentiment":"positive","sentiment_score":0.6611586809158325},{"text":"Alrighty.","start":1424.48,"end":1424.98,"sentiment":"positive","sentiment_score":0.4532710313796997}],"sentiment":"positive","sentiment_score":0.37646009751102505,"num_words":34,"start":1412.345,"end":1424.98},{"sentences":[{"text":"So game plan from here is pretty much just go through your your settlement and everything as you do.","start":1425.92,"end":1431.86,"sentiment":"neutral","sentiment_score":0.214249807753061},{"text":"We will get the life and TPD insurances trimmed down, portfolio tuned up, and then I'll kind of run through that with you in an updated advice document.","start":1432.0801,"end":1441.765,"sentiment":"neutral","sentiment_score":0.17833913809486798},{"text":"And you can kind of say what I'm proposing, make sure you're happy.","start":1441.985,"end":1444.785,"sentiment":"neutral","sentiment_score":0.2137093051121785},{"text":"I'll do the switches, and then we'll come back around for the income protection and further contribution strategies.","start":1444.785,"end":1453.6399,"sentiment":"neutral","sentiment_score":0.12875206602944267},{"text":"Yep.","start":1456.6599,"end":1457.0599,"sentiment":"neutral","sentiment_score":0.2003515064716339}],"sentiment":"neutral","sentiment_score":0.1817766060180302,"num_words":79,"start":1425.92,"end":1457.0599},{"sentences":[{"text":"I will include the 32 and a half just so you can see it as well.","start":1457.0599,"end":1460.835,"sentiment":"neutral","sentiment_score":0.11106553301215172},{"text":"Let me have a look.","start":1472.4349,"end":1474.2949,"sentiment":"neutral","sentiment_score":-0.005190714448690415},{"text":"I'm gonna do a very, very rough on the phone projection here.","start":1474.68,"end":1477.9801,"sentiment":"neutral","sentiment_score":0.0031774813348116973},{"text":"Just let me plug in a few figures.","start":1479.0,"end":1480.78,"sentiment":"neutral","sentiment_score":0.015119813848286867},{"text":"Just while I'm updating this projection here, I do have to ask you one more sort of personal question, and it's just around the estate planning in terms of beneficiary nominations, whether you wanted to still leave them as is or if you had someone else that you wanted to now switch for the nomination.","start":1481.0,"end":1496.035,"sentiment":"neutral","sentiment_score":0.007300581952387636}],"sentiment":"neutral","sentiment_score":0.02408036718892011,"num_words":96,"start":1457.0599,"end":1496.035},{"sentences":[{"text":"Yep.","start":1517.325,"end":1517.725,"sentiment":"neutral","sentiment_score":0.30399227142333984},{"text":"In next meeting as well.","start":1517.725,"end":1518.9249,"sentiment":"neutral","sentiment_score":0.27495260536670685},{"text":"That's cool.","start":1518.9249,"end":1519.6649,"sentiment":"positive","sentiment_score":0.795466810464859},{"text":"I'm just putting in here the 500 a week to start with, and then anything that goes in super, obviously, there's the the 15% that comes off of it.","start":1520.125,"end":1528.39,"sentiment":"neutral","sentiment_score":0.2148503065109253},{"text":"So I'm just gonna work that off, get you a bit more of a conservative projection here, and I'll work my way up.","start":1528.39,"end":1534.63,"sentiment":"positive","sentiment_score":0.3452335932980413}],"sentiment":"neutral","sentiment_score":0.29067867423097293,"num_words":60,"start":1517.325,"end":1534.63},{"sentences":[{"text":"So in terms of retirement, are we still just hitting, like, a nice normal kind of age 65, 67?","start":1534.63,"end":1541.61,"sentiment":"neutral","sentiment_score":0.03254995776928569},{"text":"Okay.","start":1548.305,"end":1548.805,"sentiment":"neutral","sentiment_score":0.0950452834367752},{"text":"This alright.","start":1549.265,"end":1550.725,"sentiment":"neutral","sentiment_score":0.12205095589160919},{"text":"This is incumbent on you getting a nice high growth return for quite a while and that level of contributions for quite a while, but I'll give you a few rough figures here.","start":1550.865,"end":1561.18,"sentiment":"neutral","sentiment_score":0.16347614438696342},{"text":"So let's say we do $4.25 a week after tax.","start":1561.3201,"end":1565.02,"sentiment":"neutral","sentiment_score":0.07867714539170265}],"sentiment":"neutral","sentiment_score":0.10983200940804985,"num_words":65,"start":1534.63,"end":1565.02},{"sentences":[{"text":"That's your your contributions currently.","start":1565.64,"end":1567.8201,"sentiment":"neutral","sentiment_score":0.11677129715681075},{"text":"10% benchmark return for high growth.","start":1568.775,"end":1571.255,"sentiment":"neutral","sentiment_score":0.20939123878876367},{"text":"You're kind of just getting shy.","start":1571.255,"end":1573.175,"sentiment":"neutral","sentiment_score":-0.10865916808446248},{"text":"You're just hitting a million dollars at 65.","start":1573.175,"end":1576.3151,"sentiment":"neutral","sentiment_score":0.00658177793957293},{"text":"But that doesn't take into account a slight risk reduction in those last few years.","start":1576.535,"end":1581.655,"sentiment":"neutral","sentiment_score":-0.09602436497807502}],"sentiment":"neutral","sentiment_score":-0.004986558528617025,"num_words":40,"start":1565.64,"end":1581.655},{"sentences":[{"text":"So call it $85,900,000 just based on benchmark.","start":1581.655,"end":1586.7001,"sentiment":"neutral","sentiment_score":0.0416310983709991},{"text":"Yeah.","start":1596.8451,"end":1597.3451,"sentiment":"neutral","sentiment_score":0.043206047266721725},{"text":"If I add that in, a $188.05, that impacts things by another 2 to 400,000.","start":1597.805,"end":1608.7051,"sentiment":"neutral","sentiment_score":0.08237291723489762},{"text":"So that pretty much guarantees based on benchmark return, your contribution level, and a 188,000 balance that you will clear that mark.","start":1609.03,"end":1619.37,"sentiment":"neutral","sentiment_score":0.27327301827344025},{"text":"And the last thing I'm gonna bump up is if I go to 32 and a half, let's call it $6.25.","start":1621.045,"end":1628.825,"sentiment":"neutral","sentiment_score":0.06818475804868199}],"sentiment":"neutral","sentiment_score":0.13516022259397292,"num_words":67,"start":1581.655,"end":1628.825},{"sentences":[{"text":"Bump that in there.","start":1630.645,"end":1631.785,"sentiment":"neutral","sentiment_score":0.12201852537691593},{"text":"The extra contributions impacts it by from about 1.4 to 1.6.","start":1631.925,"end":1637.8999,"sentiment":"neutral","sentiment_score":0.04644918242278932},{"text":"So getting that 32 and a half in there, that's another couple of 100,000.","start":1637.96,"end":1641.5,"sentiment":"neutral","sentiment_score":0.1511837573988097},{"text":"And then for every 1% over that is another 200,000.","start":1642.6,"end":1649.0199,"sentiment":"neutral","sentiment_score":0.10029645077884197},{"text":"So as long as we're getting at least 10% return, current contributions and a 188,000, it it's this weird trade off where the last ten years going from 51 to 60 is where it ramps up to that million, 1 0.2, 1.4, or 800.","start":1649.8251,"end":1667.77,"sentiment":"neutral","sentiment_score":0.07493109243329275}],"sentiment":"neutral","sentiment_score":0.08934361791078294,"num_words":83,"start":1630.645,"end":1667.77},{"sentences":[{"text":"And then you've got to kind of turn the risk off so you don't just lose it all when the stock market crash at 63.","start":1668.4701,"end":1673.77,"sentiment":"neutral","sentiment_score":0.008893808424472809},{"text":"Yep.","start":1675.1101,"end":1675.6101,"sentiment":"neutral","sentiment_score":0.13957026600837708},{"text":"But that level of contributions, high growth in that balance, you have a really strong way to catch that right up.","start":1675.67,"end":1682.5751,"sentiment":"neutral","sentiment_score":0.2938326072125208},{"text":"And even if we did a, let's say, work had to slow down for two years between '60 and '62, we can do a transition to retirement strategy.","start":1682.635,"end":1691.3201,"sentiment":"neutral","sentiment_score":0.05023666484547513},{"text":"So you can take some money out of super and put it back in again for a deduction and boost it up a little extra that way.","start":1691.3201,"end":1696.9401,"sentiment":"neutral","sentiment_score":0.14317481136984295}],"sentiment":"neutral","sentiment_score":0.11573281128178625,"num_words":102,"start":1668.4701,"end":1696.9401},{"sentences":[{"text":"There's a few things that we can do.","start":1697.88,"end":1699.8201,"sentiment":"neutral","sentiment_score":0.096170742996037},{"text":"So looking pretty good as long as we can maintain that.","start":1701.88,"end":1704.76,"sentiment":"neutral","sentiment_score":0.2096282257275148},{"text":"But, again, it's pretty much just gonna be every year.","start":1704.76,"end":1707.3151,"sentiment":"neutral","sentiment_score":0.07327456548810005},{"text":"We just have an updated discussion what's going on in the markets, what do we need to fine tune, and your outcome is gonna be somewhere between $8.50 1.4.","start":1707.3151,"end":1716.775,"sentiment":"neutral","sentiment_score":0.04426442144502853},{"text":"Yeah.","start":1725.09,"end":1725.59,"sentiment":"neutral","sentiment_score":0.09977583587169649}],"sentiment":"neutral","sentiment_score":0.08799095151914378,"num_words":59,"start":1697.88,"end":1725.59},{"sentences":[{"text":"Cool.","start":1728.13,"end":1728.63,"sentiment":"positive","sentiment_score":0.4305075407028198},{"text":"So I've got a bit of a game plan.","start":1728.6901,"end":1730.47,"sentiment":"neutral","sentiment_score":0.1642751908964581},{"text":"Does all that kind of make sense to start with while I build the plan and do the research?","start":1731.045,"end":1734.8251,"sentiment":"neutral","sentiment_score":0.11275192585430648},{"text":"Awesome.","start":1737.365,"end":1737.865,"sentiment":"positive","sentiment_score":0.5839992761611938},{"text":"From here, I'm actually about to go on leave for two weeks.","start":1738.245,"end":1741.765,"sentiment":"neutral","sentiment_score":0.1257152451823155}],"sentiment":"neutral","sentiment_score":0.1462822159131368,"num_words":42,"start":1728.13,"end":1741.765},{"sentences":[{"text":"I'm having a my third baby is due next week.","start":1741.765,"end":1746.185,"sentiment":"neutral","sentiment_score":0.16175582110881806},{"text":"Thank you.","start":1746.9801,"end":1747.78,"sentiment":"positive","sentiment_score":0.381735160946846},{"text":"So two boys, and I've got a girl on the way.","start":1747.78,"end":1749.7001,"sentiment":"neutral","sentiment_score":0.13538264618678528},{"text":"So I'll be on paternity leave for a fortnight, and then that's basically what when the team does the research while I'm away.","start":1749.7001,"end":1756.3401,"sentiment":"neutral","sentiment_score":0.054019861004274826},{"text":"And then I'll build that plan, and they'll book you in to go through it with me.","start":1756.3401,"end":1760.5801,"sentiment":"neutral","sentiment_score":0.23816327575375051}],"sentiment":"neutral","sentiment_score":0.14542016082458079,"num_words":63,"start":1741.765,"end":1760.5801},{"sentences":[{"text":"And then we'll do another catch up, you know, six months later to go through steps two.","start":1760.5801,"end":1765.295,"sentiment":"neutral","sentiment_score":0.06620726164649515},{"text":"Yep.","start":1776.5701,"end":1777.0701,"sentiment":"neutral","sentiment_score":0.1448620706796646},{"text":"I will pretty much be looking through everything.","start":1777.13,"end":1779.63,"sentiment":"neutral","sentiment_score":0.04675098787993193},{"text":"Sorry.","start":1780.25,"end":1780.5701,"sentiment":"neutral","sentiment_score":-0.02917151339352131},{"text":"You go.","start":1780.5701,"end":1781.23,"sentiment":"neutral","sentiment_score":-0.010918132029473782}],"sentiment":"neutral","sentiment_score":0.054944332560588574,"num_words":29,"start":1760.5801,"end":1781.23},{"sentences":[{"text":"Yes.","start":1794.3451,"end":1794.8451,"sentiment":"neutral","sentiment_score":0.0409293957054615},{"text":"So I'll pull up the service agreement at the moment.","start":1795.7051,"end":1800.025,"sentiment":"neutral","sentiment_score":0.037291089072823524},{"text":"Let's have a little look.","start":1800.025,"end":1801.4851,"sentiment":"neutral","sentiment_score":0.0431580126285553},{"text":"So your service agreement still runs through till October 2026 currently, and it doesn't expire until March 2027.","start":1803.09,"end":1815.1902,"sentiment":"neutral","sentiment_score":0.032809751108288765},{"text":"It'll be one of the things where I'll have a discussion with you towards that endpoint, and we can kind of discuss what the services look like.","start":1816.4651,"end":1822.3251,"sentiment":"neutral","sentiment_score":0.07541710152118294}],"sentiment":"neutral","sentiment_score":0.05338471492782968,"num_words":61,"start":1794.3451,"end":1822.3251},{"sentences":[{"text":"If I can maintain it, I will, but it's a request that I would have to put through next year.","start":1823.1051,"end":1827.925,"sentiment":"neutral","sentiment_score":0.017822727886959912},{"text":"Yep.","start":1829.7599,"end":1830.2599,"sentiment":"neutral","sentiment_score":0.012213248759508131},{"text":"Yeah.","start":1832.1599,"end":1832.3999,"sentiment":"neutral","sentiment_score":0.03415277227759361},{"text":"So it was 1.65, and the couple's discount's 1.1.","start":1832.3999,"end":1836.1,"sentiment":"neutral","sentiment_score":0.04163337126374245},{"text":"Yep.","start":1838.1599,"end":1838.3999,"sentiment":"neutral","sentiment_score":0.1306525468826294}],"sentiment":"neutral","sentiment_score":0.028380420844769105,"num_words":32,"start":1823.1051,"end":1838.3999},{"sentences":[{"text":"And then once you hit 600,000, that's when it flat caps.","start":1838.3999,"end":1841.62,"sentiment":"neutral","sentiment_score":0.07535483688116074},{"text":"And, again, everything after that because we've got the clients 1,000,000, 2,000,000, that kind of thing, and we have to put a bit of a cap at the 600 mark.","start":1841.895,"end":1850.475,"sentiment":"neutral","sentiment_score":0.02292823102325201},{"text":"Cool.","start":1852.775,"end":1853.275,"sentiment":"positive","sentiment_score":0.46648555994033813},{"text":"Any questions so far, or does that sound good?","start":1853.3351,"end":1856.04,"sentiment":"neutral","sentiment_score":0.17326147937112385},{"text":"Cool.","start":1857.48,"end":1857.98,"sentiment":"neutral","sentiment_score":0.2929590344429016}],"sentiment":"neutral","sentiment_score":0.07376053932910928,"num_words":52,"start":1838.3999,"end":1857.98},{"sentences":[{"text":"If you have any questions in between and something changes, you wanna have a chat while I'm away, we do have Larissa, our head of advice, and the rest of the advice team still available.","start":1858.04,"end":1868.4601,"sentiment":"neutral","sentiment_score":0.14918166846036912},{"text":"But if there's any emergencies, they'll contact me as well.","start":1868.8401,"end":1871.895,"sentiment":"neutral","sentiment_score":0.09257026128470898},{"text":"Cool.","start":1874.535,"end":1875.035,"sentiment":"positive","sentiment_score":0.4200966954231262},{"text":"I'm just quickly checking the updated goals here because I've got the retirement goals set in there.","start":1875.335,"end":1881.835,"sentiment":"neutral","sentiment_score":0.24602381709743948},{"text":"We've got the updated sort of property settlement to bedroom as the idea for the next twelve months and just kind of altering the insurances a little bit.","start":1882.6951,"end":1893.8,"sentiment":"neutral","sentiment_score":0.11789088935724326}],"sentiment":"neutral","sentiment_score":0.1544011812861804,"num_words":91,"start":1858.04,"end":1893.8},{"sentences":[{"text":"That's what I'm putting in there as goals.","start":1893.8,"end":1895.66,"sentiment":"neutral","sentiment_score":0.12669583410024643},{"text":"No.","start":1919.75,"end":1920.2301,"sentiment":"neutral","sentiment_score":-0.0735895186662674},{"text":"No.","start":1920.2301,"end":1920.4701,"sentiment":"neutral","sentiment_score":-0.07071622461080551},{"text":"So what I'm sort of saying is potentially a 100 is what we're I'm not even gonna include it now until it's a reality.","start":1920.4701,"end":1928.295,"sentiment":"neutral","sentiment_score":-0.0713927112519741},{"text":"Outside of that, I'm saying property settlement 40 goes into cash alongside the 55 in shares and the 50 in savings for the time being.","start":1928.915,"end":1939.1699,"sentiment":"neutral","sentiment_score":0.014109468795359134}],"sentiment":"neutral","sentiment_score":-0.008329278315906808,"num_words":59,"start":1893.8,"end":1939.1699},{"sentences":[{"text":"Yeah.","start":1951.245,"end":1951.745,"sentiment":"neutral","sentiment_score":0.17541633546352386},{"text":"So if we attack it from three, four angles, pretty well, good chance to get there.","start":1953.325,"end":1958.225,"sentiment":"neutral","sentiment_score":0.20626096706837416},{"text":"Awesome.","start":1960.5249,"end":1961.0249,"sentiment":"positive","sentiment_score":0.8299727439880371},{"text":"Alright, mate, mate.","start":1961.66,"end":1962.5399,"sentiment":"positive","sentiment_score":0.630418082078298},{"text":"Appreciate your time today.","start":1962.5399,"end":1963.82,"sentiment":"positive","sentiment_score":0.799019530415535}],"sentiment":"positive","sentiment_score":0.37571587681770324,"num_words":25,"start":1951.245,"end":1963.82},{"sentences":[{"text":"I will work my magic and do my thing.","start":1963.82,"end":1965.98,"sentiment":"positive","sentiment_score":0.6873491273985969},{"text":"And then in about four weeks' time, you'll get booked in with me, and we'll run through the the plan together.","start":1965.98,"end":1972.08,"sentiment":"positive","sentiment_score":0.38180728611491976},{"text":"And then I'm good to go.","start":1972.22,"end":1974.0,"sentiment":"positive","sentiment_score":0.45001991589864093},{"text":"Awesome, mate.","start":1976.005,"end":1976.645,"sentiment":"positive","sentiment_score":0.8651073276996613},{"text":"You have a great night.","start":1976.645,"end":1977.365,"sentiment":"positive","sentiment_score":0.850692069530487}],"sentiment":"positive","sentiment_score":0.5322765035684719,"num_words":43,"start":1963.82,"end":1977.365},{"sentences":[{"text":"Anything you need, just call straight back.","start":1977.365,"end":1979.2251,"sentiment":"positive","sentiment_score":0.5013656658785683},{"text":"I will.","start":1983.6589,"end":1984.059,"sentiment":"positive","sentiment_score":0.5279894769191742},{"text":"Thank you so much, Matt.","start":1984.059,"end":1985.3589,"sentiment":"positive","sentiment_score":0.8187350630760193},{"text":"Bye.","start":1987.2589,"end":1987.7589,"sentiment":"positive","sentiment_score":0.4012869596481323}],"sentiment":"positive","sentiment_score":0.6040333926677703,"num_words":15,"start":1977.365,"end":1987.7589}]}}]},{"alternatives":[{"transcript":"Good, Tom. Yourself? Nice. Good. Good. Sorry I missed your call. I didn't see it pop up, so all good. But yeah. That was great. Yeah. No worries. But, yeah, I just wanna have a chat. My situation sort of changed a bit. I've had a separation in marriage, and so I'm I'm looking first of all, I suppose my insurances, I kinda need to relook at, I think, because I've I've I've had for about a year just it's just ticked over a year now. There was a quite a big jump in the premium even after one year. It went up sort of, like, 25%. So I kinda wanna evaluate that a bit and also my super as well. I need to sort of make sure I'm on track. I'm sort of trying to put in 500 a week at the moment, which is not a small amount. So I'm hoping to do 30 a year. So I just wanna make sure I'm sort of, you know, sort of in the loop in seeing what's sort of going on because I haven't sort of looked at it for a while. Yep. Yep. Yep. Yep. Yep. Well, no. Basically, we're sort of going through a mediation sort of thing now. So it's only been, you know, sort of four months. So, yeah, it's sort of been we we had an investment property, which is just well, it's settling actually as well as we speak. But yeah. So, I mean, that's not a great, you know, huge profit we gotta make out of that. But regardless, I suppose, you know, we haven't got to the part of, you know, separating super or anything like that at the moment. So it's not yeah. We're not inked up to that page. Mhmm. Yep. Yep. Yep. Look. It's going way down since then. We sold it for about $4.30, I think it was in the end. Sorry. Hang on. Yeah. It was no $5.30 and then we owed we still owed sort of 400 on it. So they might I'd I'm I'm sort of I think we gotta probably end up with 40 each at the end of the day. So, yeah, so it's not a great great result, but it is what it is. But and then what I've got in super, and then we still have to sort of get on the track. I think some of my wife's suit might go to me. I'm not sure. But, yeah, might might be another maybe 80 to 100 coming off that. But it won't be for a while. It might be for months. Yeah. I think so. It's got well, I think we gotta be a while off that because it's still gotta get a a group mediation, which might be in a few months. I'm not sure at the moment. Yeah. Yeah. I've got shares probably 55 now. Savings wise and all that, I suppose it's, you know, about 50. So yeah. Mhmm. Should be 1 Slash 17. Yeah. Yep. Yeah. That's fine. Yep. Yep. Yeah. It's probably a bit more than that, but yeah. Pretty much. $100,100 20. Yeah. Well, I've seen now on 15. Well, no. Like, that is definitely what I wanna sort of consider because, I mean, ideally, by 60 half 1,000,000 in super. And I'm looking at doing, you know, the maximum of 30,000 a year as it, you know, sort of as it is up until that point. So that's the goal for me, but whether or not I can reach that in that time. It's another issue, but might take over a bit more. Well, yeah, I'm thinking of so I've gotta make my account next week or, yeah, next week and go through. I'm thinking of a two bedroom apartment, you know, so not for probably a year or so. I've just signed a lease at the moment. So, yeah, looking to buy maybe, yeah, maybe in a year. No. I don't. But I do yeah. Look. I can't, off the top of my head, recall exactly what what we've got. But I know we had income protection. We had life, and we also had the MetLife outside of that as well going out once a month. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. I mean, it's tight. But, yeah, I mean, it's tight, but, I mean, that would be, yeah, the bare minimum, I suppose. Yep. Right. Yep. Yep. Yep. Yep. Yeah. Yep. I reckon it's between $4.50 and 500. Yeah. Yeah. I mean, if it's if there's much of a much in terms of the premium, then I'm happy to keep that going. But, you know, if there's a big difference and obviously from my insurance, I'd rather sort of bring it down. Per year? Yeah. Okay. Well, look, that's if you if you do think that's a bit of over insured at the moment, that that makes a definite difference, I think, if we go for that one. Yep. Yep. Yep. Yep. Yep. K. Yep. Yep. Yep. Now, well, this is what I wanna avoid because it seemed to go up quite a lot last year. It was up, like, 25%. Oh, it's like, jeez. It's quite a kick. But is there that that's just the way it is. Is that what what happens every year? Yeah. Well, this is the thing. I think I've sort of I'm still playing a bit of catch up. So I need to yeah. I mean, I need, obviously, to get the super up, but it's a catch 22. It eats into the super, doesn't it? So what what's the best course of action with that then? Yep. Yep. Yep. Yeah. So is there no default insurance with any of the super? Yeah. Yeah. I understand that. It's it's necessary because I've got my own business and it's not like I've got work cover or anything, you know. So I understand that's and and I think that is the bare minimum, you know, income protection wise that I would need. So yeah. I mean, that I have to take on the chin, I suppose. But Yeah. Well, maybe that's something we look at when it's further down the track, like, when I build the super up a bit more. And that's the thing, like, even with, you know, the settlement and and also if there's some extra super going in through my wife's account, then, yeah, maybe in a couple of years, I can kinda look to do that, I suppose. Might be the best way. Yep. Yep. Yeah. That's cool. Yep. Yep. Yeah. Yep. Yeah. So so what is it now? Is it about 5,000 a year or something? What what with yes. Yeah. It would be good to get it to that 4,000 and because I just yeah. If I'm putting 30,000 in a year, then, you know, I could almost look at trying to do 35, which is tough. But at the same time, I usually get to because with my shares, I'm sort of doing okay with, like, take a lump sum out of that once a year, which I did last year. I put another 5,000 or something, and I can't remember exactly, but I plan to do the same this year. So ideally, you know, say I'm putting in 35, then what's the cap now? Is it 32? Yeah. And say if I'm doing that, at least that covers a portion of the insurance. So does it go up to 30% after that? Yeah. We have got I probably have got some lay low leeway there. But do you do that, or is my account gonna put that? Yeah. Yeah. I think grab it grab it later. Is that something we have to do before the end of the next year or after is fine? Yeah. Yeah. I mean, that's yeah. I get it. So I'd be well under that sort of cap anyway for the last five years. So, you know, probably we'll only get to the 30 this year, but we'll look at it, I suppose, in the next financial. Yep. Yep. Yep. Yep. So did that come off? Does that come sorry. So I'm does that come off the so it says I'll put in 32 for for for argument, say, 5,000 in insurances. Does that come off the 32? Do you know what I mean? Okay. Alright. Alright. It's okay. I I think I will have some leeway with that. Yeah. I will have some leeway with that last five years, so that's okay. Yep. Yeah. Yeah. Yep. Yep. Yep. Yeah. I'm also doing four yeah. I'm doing 400 a month as well. I don't know why I did that, but I think I missed the direct debit. So there's there is 500 going in because there's an extra 400 going in once a month. So yeah. Yeah. I should just change that. Do that. Just because why why I canceled it for some reason, and then when I should have did then I just kept that once a month. Some reason, it was going out once a month, and I was like, oh, no. So I I just kept that, but I still do the 400. So it is 400 away. Yeah. I think you guys did it last year. So yeah. Yep. Yeah. Certainly did. Yeah. Well, I'm doing it with my share account. I was getting 40% when I was thinking I was a bloody genius. I think I was Warren Buffett, but now I'm on 10%. So, anyway, I get it. Yeah. I think it's it's called a shit sandwich, actually, Tom. But anyway, call it what you want. Oh, that's bad. Yeah. Because last time I heard it was 9%, and I was like, oh, jeez. Yep. Yep. Yep. Yeah. That's cool. That's fine. Yep. Yeah. Because that's what I've that's all I do every day is just listen to podcast about it. And apparently, yeah, this trial is pretty pretty short at the moment. So yep. What gets the best result really, to be honest, Tom? Like, it's sort of I know I have yeah. Like you say, I reckon I have ten years to make it happen. So whatever's gonna work, I mean, obviously, when I get closer to 60, I don't want too much of the risk. But at the moment, I have to kinda throw caution in a little bit. Yeah. Yep. Yep. Yep. Yep. And what I've noticed as well, it doesn't seem I don't know the total amount which is invested at the moment. I'm only seeing occasional buyers and of low amounts. I just wanna make sure yeah. I just wanna make sure that we're investing everything because I don't wanna sit in cash for I don't know those figures at all. So I'm just hoping that, you know, it's all invested and not just half of it sitting in cash because defeats the whole purpose design. Yeah. That's That's Yep. Yep. Yep. That's fine. Yeah. Yeah. That's cool. I get that. Yep. Okay. Cool. That sounds good. Yeah. Is that you know, I know you can't give me exact here, but does it look good from that perspective of what we're talking about? So that mill? Yeah. Yeah. I get it. Yep. No. I mean, it would be the kids that I'd want it to go to. You know, I suppose that's the norm thing to do in this case. So but I maybe we'd look at that sort of down the track a bit more when everything's, you know, finalized. Yep. Yeah. Look, hoping to be sort of 62, to be honest, but, yeah, we'll see. Yep. Yep. Okay. Yeah. And then so there's a 100 is that including the 100 thousands, like, maybe that comes in with the setup well, the the boss, I suppose, is the way to say it. But yeah. Yep. Yep. Yep. Wow. Okay. Yep. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. That's good. That's good. And it's keeping my my shares out of that. It's just because I'm playing with that to try and get the extra in there once a year. So, yeah, that's good. That sounds really good, Tom. Good on that. Good on that. Good on that. Congratulations. Yep. Yep. No. I'm happy with that time and it's yeah. Yeah. I know it's been a few mix. Not well, there's been a few changes to half as well, so it's good that I can I can sort of rely on you? That's good. And also the fee fee is why because yeah. Just the bottom of my mind. Sorry, mate. It's just the I think we get a discount on the fees because we're a couple you know, we got some discount on the percentage that we're getting charged. Does that still apply? Yep. Yep. Yeah. Yep. Yeah. I understand. Is it one point what is it now? One point? Yeah. It's a good difference. Yep. Yeah. I get it. That's cool. No. That's good. Yep. Yeah. No stress. That's all good. Yep. Yep. So, I mean, I'm sort of toying with the idea. So if I get 40,000 out of this settlement, whether I put it in straight into super, but I think I might need the cash on hand for a deposit on the on the apartment, so in a year's time. But you didn't include, say, that 40,000 going into super digit. No. That's fine. Yep. Yep. Yep. Yep. Okay. So you did include the 100 if we go over that. If we put that in, it makes a big difference. But either way, it'll be close to 1,000,000 without that even, but that should go in anyway. So alright. Cool. I'll get it. That's cool. No. That looks good. Yep. Yeah. Good stuff. Alright. No probs. Yep. Yep. Sounds good, Tom. Very good. You too, mate. Have a good break, and, yeah, congratulations too. Good on yourself. Cheers, mate. See you. Bye.","confidence":0.9819336,"words":[{"word":"good","start":5.12,"end":5.3599997,"confidence":0.8725586,"punctuated_word":"Good,","sentiment":"positive","sentiment_score":0.4536106884479522},{"word":"tom","start":5.3599997,"end":5.6,"confidence":0.9736328,"punctuated_word":"Tom.","sentiment":"positive","sentiment_score":0.4053772985935211},{"word":"yourself","start":5.6,"end":6.1,"confidence":0.83447266,"punctuated_word":"Yourself?","sentiment":"neutral","sentiment_score":0.2859499454498291},{"word":"nice","start":12.719999,"end":13.095,"confidence":0.7414551,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.580157995223999},{"word":"good","start":13.335,"end":13.575,"confidence":0.9519043,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5094314217567444},{"word":"good","start":13.575,"end":13.975,"confidence":1.0,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.3596041798591614},{"word":"sorry","start":13.975,"end":14.215,"confidence":0.9970703,"punctuated_word":"Sorry","sentiment":"neutral","sentiment_score":0.1194261834025383},{"word":"i","start":14.215,"end":14.295,"confidence":0.6425781,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01001214236021042},{"word":"missed","start":14.295,"end":14.535,"confidence":0.9892578,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":-0.03947775810956955},{"word":"your","start":14.535,"end":14.695,"confidence":0.9667969,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.042282067239284515},{"word":"call","start":14.695,"end":14.8550005,"confidence":0.96777344,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":-0.01604061760008335},{"word":"i","start":14.8550005,"end":14.935,"confidence":0.9165039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06047766283154488},{"word":"didn't","start":14.935,"end":15.255,"confidence":0.9951172,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.03372066095471382},{"word":"see","start":15.255,"end":15.495,"confidence":0.63378906,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.017964312806725502},{"word":"it","start":15.495,"end":15.575001,"confidence":0.73339844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.028702713549137115},{"word":"pop","start":15.575001,"end":15.815001,"confidence":0.9863281,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":-0.015684859827160835},{"word":"up","start":15.815001,"end":16.055,"confidence":0.73828125,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.026240281760692596},{"word":"so","start":16.055,"end":16.555,"confidence":0.9921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.02587076835334301},{"word":"all","start":16.935,"end":17.095001,"confidence":0.8745117,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.013510677963495256},{"word":"good","start":17.095001,"end":17.335,"confidence":0.9338379,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2321436107158661},{"word":"but","start":17.335,"end":17.535,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02384117804467678},{"word":"yeah","start":17.735,"end":18.235,"confidence":0.9621582,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.02105717360973358},{"word":"that","start":21.895,"end":22.055,"confidence":0.2536621,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.09318368136882782},{"word":"was","start":22.055,"end":22.295,"confidence":0.37670898,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.13867110013961792},{"word":"great","start":22.295,"end":22.795,"confidence":0.76831055,"punctuated_word":"great.","sentiment":"neutral","sentiment_score":0.24370309710502625},{"word":"yeah","start":23.735,"end":24.055,"confidence":0.7858887,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04606398195028305},{"word":"no","start":24.055,"end":24.295,"confidence":0.99609375,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.052753254771232605},{"word":"worries","start":24.295,"end":24.695,"confidence":0.9802246,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.04914645105600357},{"word":"but","start":24.695,"end":25.175,"confidence":0.7675781,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.03512183576822281},{"word":"yeah","start":25.175,"end":25.415,"confidence":0.95043945,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.05410020798444748},{"word":"i","start":25.415,"end":25.575,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04208092391490936},{"word":"just","start":25.575,"end":25.735,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06009276583790779},{"word":"wanna","start":25.735,"end":25.975,"confidence":0.6928711,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.07040075957775116},{"word":"have","start":25.975,"end":26.135,"confidence":0.9472656,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07088277488946915},{"word":"a","start":26.135,"end":26.215,"confidence":0.84228516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06971892714500427},{"word":"chat","start":26.215,"end":26.455,"confidence":0.93896484,"punctuated_word":"chat.","sentiment":"neutral","sentiment_score":0.0547872819006443},{"word":"my","start":26.455,"end":26.615,"confidence":1.0,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.02981426939368248},{"word":"situation","start":26.615,"end":27.115,"confidence":0.9951172,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":-0.04559880495071411},{"word":"sort","start":27.175,"end":27.415,"confidence":0.7792969,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.021593768149614338},{"word":"of","start":27.415,"end":27.575,"confidence":0.96875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.021332956850528717},{"word":"changed","start":27.575,"end":27.895,"confidence":0.9863281,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.061344027519226074},{"word":"a","start":27.895,"end":27.975,"confidence":0.95947266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.028885390609502792},{"word":"bit","start":27.975,"end":28.455,"confidence":0.97216797,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.03213491290807724},{"word":"i've","start":28.455,"end":28.83,"confidence":0.8552246,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.029492706060409542},{"word":"had","start":28.91,"end":29.07,"confidence":0.97509766,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.026295894756913185},{"word":"a","start":29.07,"end":29.23,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03524262085556984},{"word":"separation","start":29.23,"end":29.73,"confidence":0.9604492,"punctuated_word":"separation","sentiment":"neutral","sentiment_score":-0.04342348128557205},{"word":"in","start":29.789999,"end":29.95,"confidence":0.52001953,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03720196336507797},{"word":"marriage","start":29.95,"end":30.35,"confidence":0.6871338,"punctuated_word":"marriage,","sentiment":"neutral","sentiment_score":-0.028421901166439056},{"word":"and","start":30.35,"end":30.85,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.027506142854690552},{"word":"so","start":30.91,"end":31.31,"confidence":0.9394531,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.020803360268473625},{"word":"i'm","start":31.31,"end":31.55,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.013470097444951534},{"word":"i'm","start":31.55,"end":31.71,"confidence":0.93530273,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0057160756550729275},{"word":"looking","start":31.71,"end":32.11,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.0004995428025722504},{"word":"first","start":32.83,"end":33.07,"confidence":0.9819336,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.0027240440249443054},{"word":"of","start":33.07,"end":33.23,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0008230209350585938},{"word":"all","start":33.23,"end":33.39,"confidence":0.99194336,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.006896892562508583},{"word":"i","start":33.39,"end":33.47,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0017200559377670288},{"word":"suppose","start":33.47,"end":33.97,"confidence":0.99121094,"punctuated_word":"suppose","sentiment":"neutral","sentiment_score":0.0003652460873126984},{"word":"my","start":34.91,"end":35.23,"confidence":0.5996094,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.013425547629594805},{"word":"insurances","start":35.23,"end":35.73,"confidence":0.7281901,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":-0.021277528256177906},{"word":"i","start":35.95,"end":36.11,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.035109687596559525},{"word":"kinda","start":36.11,"end":36.43,"confidence":0.9560547,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.02318035252392292},{"word":"need","start":36.43,"end":36.93,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.041703060269355774},{"word":"to","start":37.47,"end":37.71,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03227933123707771},{"word":"relook","start":37.71,"end":38.11,"confidence":0.8256836,"punctuated_word":"relook","sentiment":"neutral","sentiment_score":-0.006724044680595398},{"word":"at","start":38.11,"end":38.43,"confidence":0.77905273,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.004453349858522415},{"word":"i","start":38.43,"end":38.59,"confidence":0.9223633,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.010223288089036942},{"word":"think","start":38.59,"end":38.91,"confidence":0.9189453,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.013718314468860626},{"word":"because","start":38.91,"end":39.309998,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0021120235323905945},{"word":"i've","start":39.309998,"end":39.809998,"confidence":0.9133301,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.015767114236950874},{"word":"i've","start":40.51,"end":40.83,"confidence":0.9716797,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.017050664871931076},{"word":"i've","start":40.83,"end":40.989998,"confidence":0.90722656,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.014654658734798431},{"word":"had","start":40.989998,"end":41.23,"confidence":0.9902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.011723194271326063},{"word":"for","start":41.23,"end":41.39,"confidence":0.9614258,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.008329447358846664},{"word":"about","start":41.39,"end":41.71,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.007004819810390472},{"word":"a","start":41.71,"end":41.87,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00018742308020591736},{"word":"year","start":41.87,"end":42.37,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.00040793418884277344},{"word":"just","start":42.43,"end":42.765,"confidence":0.44555664,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.005854029208421707},{"word":"it's","start":42.765,"end":43.005,"confidence":0.9375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.007333462592214346},{"word":"just","start":43.005,"end":43.245,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0057808831334114075},{"word":"ticked","start":43.245,"end":43.485,"confidence":0.98706055,"punctuated_word":"ticked","sentiment":"neutral","sentiment_score":0.014675474725663662},{"word":"over","start":43.485,"end":43.885,"confidence":0.9941406,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.032746266573667526},{"word":"a","start":43.885,"end":43.965,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0012733899056911469},{"word":"year","start":43.965,"end":44.204998,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0056971050798892975},{"word":"now","start":44.204998,"end":44.524998,"confidence":0.94091797,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.02198789268732071},{"word":"there","start":44.524998,"end":44.765,"confidence":0.9970703,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.03738541528582573},{"word":"was","start":44.765,"end":44.925,"confidence":0.9941406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04488782584667206},{"word":"a","start":44.925,"end":45.085,"confidence":0.8457031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01390136405825615},{"word":"quite","start":45.085,"end":45.325,"confidence":0.8798828,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.02638985961675644},{"word":"a","start":45.325,"end":45.485,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.030403099954128265},{"word":"big","start":45.485,"end":45.985,"confidence":0.9941406,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.015839703381061554},{"word":"jump","start":46.045,"end":46.364998,"confidence":0.7236328,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.012440674006938934},{"word":"in","start":46.364998,"end":46.864998,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01825445145368576},{"word":"the","start":47.885,"end":47.965,"confidence":0.75683594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020349472761154175},{"word":"premium","start":47.965,"end":48.465,"confidence":0.9970703,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":-0.03884188085794449},{"word":"even","start":49.004997,"end":49.405,"confidence":0.7158203,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.05546138435602188},{"word":"after","start":49.405,"end":49.645,"confidence":0.99902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.05541563779115677},{"word":"one","start":49.645,"end":49.805,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.056687213480472565},{"word":"year","start":49.805,"end":49.965,"confidence":0.89990234,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.05654600262641907},{"word":"it","start":49.965,"end":50.125,"confidence":0.93847656,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.00704820454120636},{"word":"went","start":50.125,"end":50.364998,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.011836148798465729},{"word":"up","start":50.364998,"end":50.605,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.011694170534610748},{"word":"sort","start":50.605,"end":50.925,"confidence":0.90771484,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.009027965366840364},{"word":"of","start":50.925,"end":51.004997,"confidence":0.75927734,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.007165953516960144},{"word":"like","start":51.004997,"end":51.245,"confidence":0.9926758,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.006957009434700012},{"word":"25%","start":51.245,"end":52.204998,"confidence":0.9604492,"punctuated_word":"25%.","sentiment":"neutral","sentiment_score":-0.0031288620084524155},{"word":"so","start":52.204998,"end":52.704998,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04308195412158966},{"word":"i","start":53.085,"end":53.165,"confidence":0.49414062,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08319845795631409},{"word":"kinda","start":53.165,"end":53.485,"confidence":0.8027344,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.10146324336528778},{"word":"wanna","start":53.485,"end":53.885,"confidence":0.96240234,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.12287336587905884},{"word":"evaluate","start":53.885,"end":54.285,"confidence":0.98291016,"punctuated_word":"evaluate","sentiment":"neutral","sentiment_score":0.10536222159862518},{"word":"that","start":54.285,"end":54.524998,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12208659946918488},{"word":"a","start":54.524998,"end":54.684998,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13967177271842957},{"word":"bit","start":54.684998,"end":55.184998,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14832618832588196},{"word":"and","start":55.885,"end":56.045,"confidence":0.3918457,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16619159281253815},{"word":"also","start":56.045,"end":56.545,"confidence":0.8198242,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.18922600150108335},{"word":"my","start":56.845,"end":57.165,"confidence":0.9536133,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.21841058135032657},{"word":"super","start":57.165,"end":57.565,"confidence":0.9633789,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.26518964767456055},{"word":"as","start":57.565,"end":57.805,"confidence":0.97998047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1846059113740921},{"word":"well","start":57.805,"end":58.045,"confidence":0.97680664,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.15174174308776855},{"word":"i","start":58.045,"end":58.204998,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08197372406721115},{"word":"need","start":58.204998,"end":58.445,"confidence":0.8442383,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.14230656623840332},{"word":"to","start":58.445,"end":58.74,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1485171765089035},{"word":"sort","start":58.820004,"end":58.980003,"confidence":0.92333984,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1363925039768219},{"word":"of","start":58.980003,"end":59.140003,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15263131260871887},{"word":"make","start":59.140003,"end":59.22,"confidence":0.9892578,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12865042686462402},{"word":"sure","start":59.22,"end":59.54,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.16507795453071594},{"word":"i'm","start":59.54,"end":59.7,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1793566197156906},{"word":"on","start":59.7,"end":59.940002,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17900845408439636},{"word":"track","start":59.940002,"end":60.18,"confidence":0.9523926,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.13137859106063843},{"word":"i'm","start":60.18,"end":60.420002,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07745162397623062},{"word":"sort","start":60.420002,"end":60.58,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08633291721343994},{"word":"of","start":60.58,"end":61.08,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08889419585466385},{"word":"trying","start":61.22,"end":61.54,"confidence":0.98828125,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.10495151579380035},{"word":"to","start":61.54,"end":61.620003,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09022943675518036},{"word":"put","start":61.620003,"end":61.86,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0854329913854599},{"word":"in","start":61.86,"end":62.02,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07607900351285934},{"word":"500","start":62.02,"end":62.58,"confidence":0.9995117,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.1094970628619194},{"word":"a","start":62.58,"end":62.66,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07331766933202744},{"word":"week","start":62.66,"end":62.9,"confidence":0.9970703,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.05113869160413742},{"word":"at","start":62.9,"end":63.06,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07455664873123169},{"word":"the","start":63.06,"end":63.140003,"confidence":0.9506836,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06594264507293701},{"word":"moment","start":63.140003,"end":63.460003,"confidence":0.94677734,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.07462604343891144},{"word":"which","start":63.460003,"end":63.780003,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.06071164458990097},{"word":"is","start":63.780003,"end":64.020004,"confidence":0.9116211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02607421949505806},{"word":"not","start":64.020004,"end":64.26,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.05671624094247818},{"word":"a","start":64.26,"end":64.340004,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03893198445439339},{"word":"small","start":64.340004,"end":64.66,"confidence":1.0,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.04942894354462624},{"word":"amount","start":64.66,"end":64.98,"confidence":0.7435303,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":0.044570572674274445},{"word":"so","start":64.98,"end":65.22,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05800912156701088},{"word":"i'm","start":65.22,"end":65.380005,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07276569306850433},{"word":"hoping","start":65.380005,"end":65.700005,"confidence":0.98291016,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.09252235293388368},{"word":"to","start":65.700005,"end":66.1,"confidence":0.96435547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11259140074253082},{"word":"do","start":66.1,"end":66.26,"confidence":0.69970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10563138127326964},{"word":"30","start":66.26,"end":66.66,"confidence":0.99121094,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.11310869455337524},{"word":"a","start":66.66,"end":66.740005,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0793590396642685},{"word":"year","start":66.740005,"end":67.240005,"confidence":0.98583984,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.10039938986301422},{"word":"so","start":68.58,"end":68.740005,"confidence":0.94384766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0652952492237091},{"word":"i","start":68.740005,"end":68.9,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06193482130765915},{"word":"just","start":68.9,"end":69.06,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07698769122362137},{"word":"wanna","start":69.06,"end":69.3,"confidence":0.9199219,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09796306490898132},{"word":"make","start":69.3,"end":69.46,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08247777819633484},{"word":"sure","start":69.46,"end":69.700005,"confidence":0.9980469,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08548900485038757},{"word":"i'm","start":69.700005,"end":69.86,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07930132746696472},{"word":"sort","start":69.86,"end":70.1,"confidence":0.9614258,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06764602661132812},{"word":"of","start":70.1,"end":70.58,"confidence":0.98950195,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.08597681671380997},{"word":"you","start":70.58,"end":70.740005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07285961508750916},{"word":"know","start":70.740005,"end":70.98,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0668351948261261},{"word":"sort","start":70.98,"end":71.14,"confidence":0.99902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.058883462101221085},{"word":"of","start":71.14,"end":71.3,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07473523914813995},{"word":"in","start":71.3,"end":71.46,"confidence":0.9633789,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07097340375185013},{"word":"the","start":71.46,"end":71.62,"confidence":0.96875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08630751073360443},{"word":"loop","start":71.62,"end":71.94,"confidence":0.9970703,"punctuated_word":"loop","sentiment":"neutral","sentiment_score":0.08287031948566437},{"word":"in","start":71.94,"end":72.26,"confidence":0.4970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06833988428115845},{"word":"seeing","start":72.26,"end":72.58,"confidence":0.8100586,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.0833590105175972},{"word":"what's","start":72.58,"end":72.915,"confidence":0.99365234,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.054631054401397705},{"word":"sort","start":72.915,"end":73.235,"confidence":0.8256836,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03279389441013336},{"word":"of","start":73.235,"end":73.315,"confidence":0.97802734,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.056488342583179474},{"word":"going","start":73.315,"end":73.475,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.05819110944867134},{"word":"on","start":73.475,"end":73.795,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.024455077946186066},{"word":"because","start":73.795,"end":74.035,"confidence":0.6694336,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.027488119900226593},{"word":"i","start":74.035,"end":74.195,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.013757891952991486},{"word":"haven't","start":74.195,"end":74.435,"confidence":0.99902344,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.006248992867767811},{"word":"sort","start":74.435,"end":74.835,"confidence":0.92089844,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.020943421870470047},{"word":"of","start":74.835,"end":75.335,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02234814316034317},{"word":"looked","start":75.555,"end":75.795,"confidence":0.96435547,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.022656921297311783},{"word":"at","start":75.795,"end":75.955,"confidence":0.9536133,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03457120060920715},{"word":"it","start":75.955,"end":76.035,"confidence":0.9243164,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.029010109603405},{"word":"for","start":76.035,"end":76.195,"confidence":0.9790039,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0338488444685936},{"word":"a","start":76.195,"end":76.355,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01999754086136818},{"word":"while","start":76.355,"end":76.855,"confidence":0.99902344,"punctuated_word":"while.","sentiment":"neutral","sentiment_score":-0.01728043518960476},{"word":"yep","start":82.195,"end":82.695,"confidence":0.95458984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04796382412314415},{"word":"yep","start":85.62,"end":86.12,"confidence":0.9797363,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04099208116531372},{"word":"yep","start":94.58,"end":95.08,"confidence":0.935791,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03403880447149277},{"word":"yep","start":96.58,"end":96.82,"confidence":0.97143555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09114884585142136},{"word":"yep","start":96.82,"end":97.32,"confidence":0.8569336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14830617606639862},{"word":"well","start":107.345,"end":107.825005,"confidence":0.84155273,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.021700387820601463},{"word":"no","start":107.825005,"end":108.225006,"confidence":0.97631836,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.08887852728366852},{"word":"basically","start":108.225006,"end":108.625,"confidence":0.97631836,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":-0.0715961679816246},{"word":"we're","start":108.625,"end":108.94501,"confidence":0.97509766,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.07980722188949585},{"word":"sort","start":108.94501,"end":109.185005,"confidence":0.9589844,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.060418155044317245},{"word":"of","start":109.185005,"end":109.265,"confidence":0.9716797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05925111845135689},{"word":"going","start":109.265,"end":109.505005,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.07042590528726578},{"word":"through","start":109.505005,"end":109.745,"confidence":0.99316406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.09907864034175871},{"word":"a","start":109.745,"end":109.90501,"confidence":0.6816406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09249627590179443},{"word":"mediation","start":109.90501,"end":110.40501,"confidence":0.9873047,"punctuated_word":"mediation","sentiment":"neutral","sentiment_score":-0.08423454314470291},{"word":"sort","start":110.465004,"end":110.625,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.08708851039409637},{"word":"of","start":110.625,"end":110.785,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07541009783744812},{"word":"thing","start":110.785,"end":110.94501,"confidence":0.9970703,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.06925193965435028},{"word":"now","start":110.94501,"end":111.265,"confidence":0.83203125,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.06663268804550171},{"word":"so","start":111.265,"end":111.425,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04299304634332657},{"word":"it's","start":111.425,"end":111.58501,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.024914931505918503},{"word":"only","start":111.58501,"end":111.90501,"confidence":0.9921875,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.022110942751169205},{"word":"been","start":111.90501,"end":112.40501,"confidence":0.8708496,"punctuated_word":"been,","sentiment":"neutral","sentiment_score":-0.023168150335550308},{"word":"you","start":112.705,"end":112.865005,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.009588021785020828},{"word":"know","start":112.865005,"end":113.025,"confidence":0.9975586,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.016464367508888245},{"word":"sort","start":113.025,"end":113.265,"confidence":0.89208984,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.015080291777849196},{"word":"of","start":113.265,"end":113.345,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0007527321577072144},{"word":"four","start":113.345,"end":113.58501,"confidence":0.90234375,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.014663953334093094},{"word":"months","start":113.58501,"end":114.08501,"confidence":0.97265625,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.014800015836954117},{"word":"so","start":114.145004,"end":114.57,"confidence":0.86938477,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.021766360849142075},{"word":"yeah","start":115.53,"end":115.93,"confidence":0.93774414,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.03591790795326233},{"word":"it's","start":115.93,"end":116.09,"confidence":0.67822266,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03631897643208504},{"word":"sort","start":116.09,"end":116.33,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.013339966535568236},{"word":"of","start":116.33,"end":116.409996,"confidence":0.97509766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03244787082076073},{"word":"been","start":116.409996,"end":116.57,"confidence":0.8852539,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.00003374367952346802},{"word":"we","start":116.65,"end":117.15,"confidence":0.9091797,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.016668111085891724},{"word":"we","start":117.29,"end":117.45,"confidence":0.4008789,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05289702862501144},{"word":"had","start":117.45,"end":117.69,"confidence":0.92333984,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.04330942779779434},{"word":"an","start":117.69,"end":117.77,"confidence":0.5859375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08507618308067322},{"word":"investment","start":117.77,"end":118.25,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.05673599988222122},{"word":"property","start":118.25,"end":118.57,"confidence":0.81152344,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.0736919492483139},{"word":"which","start":118.57,"end":118.729996,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.10668203234672546},{"word":"is","start":118.729996,"end":118.97,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12948942184448242},{"word":"just","start":118.97,"end":119.17,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12429345399141312},{"word":"well","start":119.37,"end":119.69,"confidence":0.9406738,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.15244267880916595},{"word":"it's","start":119.69,"end":119.85,"confidence":0.8222656,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1681019365787506},{"word":"settling","start":119.85,"end":120.33,"confidence":0.9941406,"punctuated_word":"settling","sentiment":"neutral","sentiment_score":0.1388656497001648},{"word":"actually","start":120.33,"end":120.83,"confidence":0.7519531,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.12212526798248292},{"word":"as","start":120.89,"end":121.37,"confidence":0.9375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.125525563955307},{"word":"well","start":121.37,"end":121.61,"confidence":0.37231445,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.08796239644289017},{"word":"as","start":121.61,"end":121.93,"confidence":0.82666016,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0668603777885437},{"word":"we","start":121.93,"end":122.09,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05473267287015915},{"word":"speak","start":122.09,"end":122.49,"confidence":0.7138672,"punctuated_word":"speak.","sentiment":"neutral","sentiment_score":0.03579014167189598},{"word":"but","start":122.49,"end":122.99,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.002282381057739258},{"word":"yeah","start":124.729996,"end":125.229996,"confidence":0.9880371,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.1013629287481308},{"word":"so","start":125.29,"end":125.79,"confidence":0.826416,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.09556608647108078},{"word":"i","start":125.85,"end":126.01,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13089805841445923},{"word":"mean","start":126.01,"end":126.25,"confidence":0.99658203,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.11371210962533952},{"word":"that's","start":126.25,"end":126.49,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.22956280410289764},{"word":"not","start":126.49,"end":126.65,"confidence":0.95703125,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.319685161113739},{"word":"a","start":126.65,"end":126.729996,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.306885302066803},{"word":"great","start":126.729996,"end":127.13,"confidence":0.9746094,"punctuated_word":"great,","sentiment":"neutral","sentiment_score":-0.266537070274353},{"word":"you","start":127.13,"end":127.369995,"confidence":0.9951172,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.38125696778297424},{"word":"know","start":127.369995,"end":127.869995,"confidence":0.9970703,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.3994584083557129},{"word":"huge","start":128.465,"end":128.86499,"confidence":1.0,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":-0.2413167506456375},{"word":"profit","start":128.86499,"end":129.185,"confidence":0.98828125,"punctuated_word":"profit","sentiment":"neutral","sentiment_score":-0.16810767352581024},{"word":"we","start":129.185,"end":129.265,"confidence":0.94921875,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.3781362771987915},{"word":"gotta","start":129.265,"end":129.50499,"confidence":0.57177734,"punctuated_word":"gotta","sentiment":"negative","sentiment_score":-0.34359443187713623},{"word":"make","start":129.50499,"end":129.745,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.2963414490222931},{"word":"out","start":129.745,"end":129.905,"confidence":0.9741211,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.26426929235458374},{"word":"of","start":129.905,"end":129.985,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2557486295700073},{"word":"that","start":129.985,"end":130.22499,"confidence":0.8359375,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.27044928073883057},{"word":"but","start":130.22499,"end":130.72499,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.127944216132164},{"word":"regardless","start":131.345,"end":131.845,"confidence":0.78515625,"punctuated_word":"regardless,","sentiment":"neutral","sentiment_score":-0.1247636377811432},{"word":"i","start":132.06499,"end":132.14499,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1474213749170303},{"word":"suppose","start":132.14499,"end":132.64499,"confidence":0.9946289,"punctuated_word":"suppose,","sentiment":"neutral","sentiment_score":-0.10220104455947876},{"word":"you","start":132.78499,"end":133.025,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13149195909500122},{"word":"know","start":133.025,"end":133.185,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.10893193632364272},{"word":"we","start":133.185,"end":133.265,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13995160162448883},{"word":"haven't","start":133.265,"end":133.58499,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.14627256989479065},{"word":"got","start":133.58499,"end":133.745,"confidence":0.9941406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.17055672407150269},{"word":"to","start":133.745,"end":133.905,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15467305481433868},{"word":"the","start":133.905,"end":133.985,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13371314108371735},{"word":"part","start":133.985,"end":134.305,"confidence":0.9863281,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.11922362446784972},{"word":"of","start":134.305,"end":134.625,"confidence":0.9951172,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.13023641705513},{"word":"you","start":134.625,"end":134.78499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13266494870185852},{"word":"know","start":134.78499,"end":135.265,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1434747725725174},{"word":"separating","start":135.265,"end":135.765,"confidence":0.99902344,"punctuated_word":"separating","sentiment":"neutral","sentiment_score":-0.12761618196964264},{"word":"super","start":136.06499,"end":136.385,"confidence":0.75341797,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.11127346754074097},{"word":"or","start":136.385,"end":136.545,"confidence":0.96972656,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.12668348848819733},{"word":"anything","start":136.545,"end":136.94499,"confidence":0.9980469,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.14573734998703003},{"word":"like","start":136.94499,"end":137.185,"confidence":0.99609375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1714877188205719},{"word":"that","start":137.185,"end":137.345,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17575883865356445},{"word":"at","start":137.345,"end":137.50499,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.19273991882801056},{"word":"the","start":137.50499,"end":137.58499,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2153964787721634},{"word":"moment","start":137.58499,"end":137.985,"confidence":0.8618164,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.16687500476837158},{"word":"so","start":137.985,"end":138.14499,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0734177753329277},{"word":"it's","start":138.14499,"end":138.385,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06758302450180054},{"word":"not","start":138.385,"end":138.54498,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06402850896120071},{"word":"yeah","start":138.70499,"end":139.20499,"confidence":0.857666,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.045569706708192825},{"word":"we're","start":139.265,"end":139.50499,"confidence":0.9951172,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.04061836749315262},{"word":"not","start":139.50499,"end":139.665,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03924316540360451},{"word":"inked","start":139.665,"end":139.985,"confidence":0.39282227,"punctuated_word":"inked","sentiment":"neutral","sentiment_score":-0.03500236198306084},{"word":"up","start":139.985,"end":140.14499,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.02485061995685101},{"word":"to","start":140.14499,"end":140.305,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03877823054790497},{"word":"that","start":140.305,"end":140.465,"confidence":0.97509766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03705083578824997},{"word":"page","start":140.465,"end":140.965,"confidence":0.7609863,"punctuated_word":"page.","sentiment":"neutral","sentiment_score":-0.032891809940338135},{"word":"mhmm","start":152.06,"end":152.56,"confidence":0.9901123,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.009675031527876854},{"word":"yep","start":157.11499,"end":157.61499,"confidence":0.8742676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.005446223076432943},{"word":"yep","start":165.75499,"end":165.995,"confidence":0.9003906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.003520537866279483},{"word":"yep","start":165.995,"end":166.495,"confidence":0.8388672,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0038363232742995024},{"word":"look","start":176.61,"end":176.93,"confidence":0.4781494,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.1033291220664978},{"word":"it's","start":176.93,"end":177.17,"confidence":0.99560547,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.28010988235473633},{"word":"going","start":177.17,"end":177.41,"confidence":0.50878906,"punctuated_word":"going","sentiment":"negative","sentiment_score":-0.3629546463489533},{"word":"way","start":177.41,"end":177.65,"confidence":0.98828125,"punctuated_word":"way","sentiment":"negative","sentiment_score":-0.4406401216983795},{"word":"down","start":177.65,"end":177.89,"confidence":0.9980469,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.34079912304878235},{"word":"since","start":177.89,"end":178.13,"confidence":0.9536133,"punctuated_word":"since","sentiment":"negative","sentiment_score":-0.39316752552986145},{"word":"then","start":178.13,"end":178.37,"confidence":0.9855957,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":-0.32493412494659424},{"word":"we","start":178.37,"end":178.53,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.29569804668426514},{"word":"sold","start":178.53,"end":178.85,"confidence":0.9941406,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":-0.29365649819374084},{"word":"it","start":178.85,"end":179.01,"confidence":0.9838867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2921610176563263},{"word":"for","start":179.01,"end":179.17,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.28320571780204773},{"word":"about","start":179.17,"end":179.67,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.25533583760261536},{"word":"$4.30","start":179.97,"end":180.69,"confidence":0.8835449,"punctuated_word":"$4.30,","sentiment":"neutral","sentiment_score":-0.21199478209018707},{"word":"i","start":180.69,"end":180.77,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2152632921934128},{"word":"think","start":180.77,"end":181.01,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.15718330442905426},{"word":"it","start":181.01,"end":181.17,"confidence":0.78125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.254448801279068},{"word":"was","start":181.17,"end":181.41,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.19827163219451904},{"word":"in","start":181.41,"end":181.56999,"confidence":0.5209961,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.18727095425128937},{"word":"the","start":181.56999,"end":181.73,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21638505160808563},{"word":"end","start":181.73,"end":182.23,"confidence":0.9946289,"punctuated_word":"end.","sentiment":"neutral","sentiment_score":-0.21238243579864505},{"word":"sorry","start":182.61,"end":183.11,"confidence":0.9091797,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.17186236381530762},{"word":"hang","start":183.65,"end":183.89,"confidence":0.9770508,"punctuated_word":"Hang","sentiment":"neutral","sentiment_score":-0.14534103870391846},{"word":"on","start":183.89,"end":184.39,"confidence":1.0,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.10408948361873628},{"word":"yeah","start":185.17,"end":185.41,"confidence":0.9902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08439147472381592},{"word":"it","start":185.41,"end":185.49,"confidence":0.9707031,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.09676118195056917},{"word":"was","start":185.49,"end":185.99,"confidence":0.9760742,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.12407857179641724},{"word":"no","start":186.845,"end":187.16501,"confidence":0.46801758,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.15773072838783264},{"word":"$5.30","start":187.16501,"end":188.045,"confidence":0.8220215,"punctuated_word":"$5.30","sentiment":"neutral","sentiment_score":-0.10704632848501204},{"word":"and","start":188.045,"end":188.285,"confidence":0.4177246,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10786591470241548},{"word":"then","start":188.285,"end":188.785,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.09144990891218184},{"word":"we","start":188.845,"end":189.16501,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2051070332527161},{"word":"owed","start":189.16501,"end":189.485,"confidence":0.44335938,"punctuated_word":"owed","sentiment":"neutral","sentiment_score":-0.21685677766799927},{"word":"we","start":189.565,"end":189.725,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2836844027042389},{"word":"still","start":189.725,"end":190.045,"confidence":0.97802734,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.30536550283432007},{"word":"owed","start":190.045,"end":190.545,"confidence":0.9428711,"punctuated_word":"owed","sentiment":"neutral","sentiment_score":-0.23664095997810364},{"word":"sort","start":190.60501,"end":190.845,"confidence":0.93408203,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.21728159487247467},{"word":"of","start":190.845,"end":191.005,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.25575190782546997},{"word":"400","start":191.005,"end":191.645,"confidence":0.99902344,"punctuated_word":"400","sentiment":"neutral","sentiment_score":-0.23357929289340973},{"word":"on","start":191.645,"end":191.80501,"confidence":0.9892578,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.25439414381980896},{"word":"it","start":191.80501,"end":191.965,"confidence":0.86694336,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.24030761420726776},{"word":"so","start":191.965,"end":192.205,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.15305320918560028},{"word":"they","start":192.205,"end":192.365,"confidence":0.40307617,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.15512299537658691},{"word":"might","start":192.365,"end":192.765,"confidence":0.9707031,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.16314715147018433},{"word":"i'd","start":192.925,"end":193.16501,"confidence":0.6571045,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.15319423377513883},{"word":"i'm","start":193.24501,"end":193.645,"confidence":0.9921875,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1554749310016632},{"word":"i'm","start":193.645,"end":193.965,"confidence":0.9641113,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.16328082978725433},{"word":"sort","start":193.965,"end":194.205,"confidence":0.9560547,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1344422847032547},{"word":"of","start":194.205,"end":194.705,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17089231312274933},{"word":"i","start":195.005,"end":195.24501,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1933193802833557},{"word":"think","start":195.24501,"end":195.485,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.18891698122024536},{"word":"we","start":195.485,"end":195.645,"confidence":0.984375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2324884831905365},{"word":"gotta","start":195.645,"end":195.88501,"confidence":0.72216797,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.2158547043800354},{"word":"probably","start":195.88501,"end":196.285,"confidence":0.99121094,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.20903512835502625},{"word":"end","start":196.285,"end":196.445,"confidence":0.9970703,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.17851543426513672},{"word":"up","start":196.445,"end":196.60501,"confidence":0.9472656,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.12262791395187378},{"word":"with","start":196.60501,"end":197.005,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.13854169845581055},{"word":"40","start":197.005,"end":197.485,"confidence":0.9980469,"punctuated_word":"40","sentiment":"neutral","sentiment_score":-0.07441060990095139},{"word":"each","start":197.485,"end":197.985,"confidence":0.6748047,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.11201602965593338},{"word":"at","start":198.365,"end":198.52501,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13230940699577332},{"word":"the","start":198.52501,"end":198.685,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17015235126018524},{"word":"end","start":198.685,"end":198.845,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.14254644513130188},{"word":"of","start":198.845,"end":199.005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12219585478305817},{"word":"the","start":199.005,"end":199.085,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13653478026390076},{"word":"day","start":199.085,"end":199.485,"confidence":0.9482422,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":-0.09543171525001526},{"word":"so","start":199.485,"end":199.985,"confidence":0.74780273,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.05024054646492005},{"word":"yeah","start":201.44,"end":201.68001,"confidence":0.70874023,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.0407833531498909},{"word":"so","start":201.68001,"end":201.92,"confidence":0.97802734,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.06449323147535324},{"word":"it's","start":201.92,"end":202.08,"confidence":0.7619629,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.16397422552108765},{"word":"not","start":202.08,"end":202.32,"confidence":0.97509766,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.24518080055713656},{"word":"a","start":202.32,"end":202.40001,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19396913051605225},{"word":"great","start":202.40001,"end":202.72,"confidence":0.99902344,"punctuated_word":"great","sentiment":"neutral","sentiment_score":-0.1164899319410324},{"word":"great","start":202.72,"end":203.22,"confidence":0.78222656,"punctuated_word":"great","sentiment":"neutral","sentiment_score":-0.15579241514205933},{"word":"result","start":203.6,"end":204.0,"confidence":0.76000977,"punctuated_word":"result,","sentiment":"neutral","sentiment_score":-0.27441495656967163},{"word":"but","start":204.0,"end":204.16,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.12421553581953047},{"word":"it","start":204.16,"end":204.24,"confidence":0.9482422,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04850231111049652},{"word":"is","start":204.24,"end":204.48001,"confidence":0.9243164,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.030638262629508972},{"word":"what","start":204.48001,"end":204.64,"confidence":0.9135742,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0000578463077545166},{"word":"it","start":204.64,"end":204.72,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.058546826243400574},{"word":"is","start":204.72,"end":204.96,"confidence":0.92700195,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.10755155235528946},{"word":"but","start":204.96,"end":205.46,"confidence":0.99316406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.037185586988925934},{"word":"and","start":206.32,"end":206.56,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04388862103223801},{"word":"then","start":206.56,"end":206.8,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.021518267691135406},{"word":"what","start":206.8,"end":207.04001,"confidence":0.9716797,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.032269950956106186},{"word":"i've","start":207.04001,"end":207.2,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.05169534683227539},{"word":"got","start":207.2,"end":207.36,"confidence":0.97802734,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.04003581032156944},{"word":"in","start":207.36,"end":207.68001,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0008254870772361755},{"word":"super","start":207.68001,"end":208.18001,"confidence":0.63720703,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.04316491261124611},{"word":"and","start":208.56,"end":208.8,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.007331859320402145},{"word":"then","start":208.8,"end":209.3,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.015980035066604614},{"word":"we","start":209.6,"end":209.84,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0032532289624214172},{"word":"still","start":209.84,"end":210.16,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.02611038088798523},{"word":"have","start":210.16,"end":210.40001,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03350406885147095},{"word":"to","start":210.40001,"end":210.8,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02210485190153122},{"word":"sort","start":210.8,"end":211.04001,"confidence":0.9243164,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.04137882590293884},{"word":"of","start":211.04001,"end":211.36,"confidence":0.9819336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.015711180865764618},{"word":"get","start":211.36,"end":211.52,"confidence":0.48535156,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.03775548189878464},{"word":"on","start":211.52,"end":211.68001,"confidence":0.9165039,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.020132899284362793},{"word":"the","start":211.68001,"end":211.92,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02815641462802887},{"word":"track","start":211.92,"end":212.24,"confidence":0.86865234,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":-0.019737286493182182},{"word":"i","start":212.24,"end":212.40001,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09642639756202698},{"word":"think","start":212.40001,"end":212.90001,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.07560774683952332},{"word":"some","start":213.065,"end":213.225,"confidence":0.9941406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.12209530174732208},{"word":"of","start":213.225,"end":213.385,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14241281151771543},{"word":"my","start":213.385,"end":213.465,"confidence":0.89746094,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.12426454573869704},{"word":"wife's","start":213.465,"end":213.865,"confidence":0.8574219,"punctuated_word":"wife's","sentiment":"neutral","sentiment_score":-0.1478780210018158},{"word":"suit","start":213.865,"end":214.185,"confidence":0.41796875,"punctuated_word":"suit","sentiment":"neutral","sentiment_score":-0.14107167720794678},{"word":"might","start":214.185,"end":214.425,"confidence":0.9921875,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.13823071122169495},{"word":"go","start":214.425,"end":214.665,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.14020413160324097},{"word":"to","start":214.665,"end":214.825,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1404402256011963},{"word":"me","start":214.825,"end":214.985,"confidence":0.92041016,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.1391477882862091},{"word":"i'm","start":214.985,"end":215.225,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.12749136984348297},{"word":"not","start":215.225,"end":215.385,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1300224810838699},{"word":"sure","start":215.385,"end":215.705,"confidence":0.7980957,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.12777481973171234},{"word":"but","start":215.705,"end":216.205,"confidence":0.82543945,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.09445659816265106},{"word":"yeah","start":216.745,"end":217.225,"confidence":0.8149414,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.08325715363025665},{"word":"might","start":217.225,"end":217.465,"confidence":0.60791016,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.1044107973575592},{"word":"might","start":217.465,"end":217.785,"confidence":0.98535156,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.10433271527290344},{"word":"be","start":217.785,"end":217.945,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.10265704989433289},{"word":"another","start":217.945,"end":218.445,"confidence":0.99121094,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.12403646856546402},{"word":"maybe","start":218.745,"end":219.245,"confidence":0.9941406,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.122937873005867},{"word":"80","start":219.625,"end":219.945,"confidence":0.7763672,"punctuated_word":"80","sentiment":"neutral","sentiment_score":-0.09602829813957214},{"word":"to","start":219.945,"end":220.105,"confidence":0.9658203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13252519071102142},{"word":"100","start":220.105,"end":220.745,"confidence":0.9741211,"punctuated_word":"100","sentiment":"neutral","sentiment_score":-0.09142827987670898},{"word":"coming","start":220.745,"end":221.145,"confidence":0.9970703,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.1009526550769806},{"word":"off","start":221.145,"end":221.305,"confidence":0.95410156,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.0800921767950058},{"word":"that","start":221.305,"end":221.545,"confidence":0.7800293,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.1233888417482376},{"word":"but","start":221.545,"end":221.705,"confidence":0.9560547,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.1340625286102295},{"word":"it","start":221.705,"end":221.785,"confidence":0.96435547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1766541302204132},{"word":"won't","start":221.785,"end":222.025,"confidence":0.892334,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.15423491597175598},{"word":"be","start":222.025,"end":222.185,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.17117859423160553},{"word":"for","start":222.185,"end":222.345,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.17745380103588104},{"word":"a","start":222.345,"end":222.425,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16546420753002167},{"word":"while","start":222.425,"end":222.745,"confidence":0.83496094,"punctuated_word":"while.","sentiment":"neutral","sentiment_score":-0.16749301552772522},{"word":"it","start":222.745,"end":222.905,"confidence":0.54833984,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.12836064398288727},{"word":"might","start":222.905,"end":223.065,"confidence":0.7368164,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.10267937928438188},{"word":"be","start":223.065,"end":223.225,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.11734811961650848},{"word":"for","start":223.225,"end":223.385,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0996335595846176},{"word":"months","start":223.385,"end":223.885,"confidence":0.9941406,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.08684016764163971},{"word":"yeah","start":227.81,"end":228.20999,"confidence":0.9760742,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009468713775277138},{"word":"i","start":228.20999,"end":228.45,"confidence":0.6542969,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0003737136721611023},{"word":"think","start":228.45,"end":228.77,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0016213655471801758},{"word":"so","start":228.77,"end":229.01,"confidence":0.9863281,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.006737601011991501},{"word":"it's","start":229.01,"end":229.33,"confidence":0.9626465,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.022913724184036255},{"word":"got","start":229.33,"end":229.56999,"confidence":0.43237305,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.031056411564350128},{"word":"well","start":229.65,"end":229.97,"confidence":0.9890137,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.023400073871016502},{"word":"i","start":229.97,"end":230.13,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.049077436327934265},{"word":"think","start":230.13,"end":230.29,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.03103262558579445},{"word":"we","start":230.29,"end":230.45,"confidence":0.9873047,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.048573508858680725},{"word":"gotta","start":230.45,"end":230.69,"confidence":0.4453125,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.046894654631614685},{"word":"be","start":230.69,"end":230.84999,"confidence":0.9667969,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06375294178724289},{"word":"a","start":230.84999,"end":230.93,"confidence":0.9223633,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06235422194004059},{"word":"while","start":230.93,"end":231.25,"confidence":0.9873047,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.05895442143082619},{"word":"off","start":231.25,"end":231.41,"confidence":0.9160156,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.04869211092591286},{"word":"that","start":231.41,"end":231.65,"confidence":0.9790039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0635366141796112},{"word":"because","start":231.65,"end":231.89,"confidence":0.8491211,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06287504732608795},{"word":"it's","start":231.89,"end":232.13,"confidence":0.91503906,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.056071337312459946},{"word":"still","start":232.13,"end":232.29,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.07202071696519852},{"word":"gotta","start":232.29,"end":232.53,"confidence":0.46240234,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.06192152947187424},{"word":"get","start":232.53,"end":232.85,"confidence":0.89453125,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.06972070038318634},{"word":"a","start":232.85,"end":233.17,"confidence":0.8642578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.039065875113010406},{"word":"a","start":233.17,"end":233.41,"confidence":0.83984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03952283039689064},{"word":"group","start":233.41,"end":233.73,"confidence":0.8569336,"punctuated_word":"group","sentiment":"neutral","sentiment_score":-0.07003702223300934},{"word":"mediation","start":233.73,"end":234.23,"confidence":0.7961426,"punctuated_word":"mediation,","sentiment":"neutral","sentiment_score":-0.03787469118833542},{"word":"which","start":234.29,"end":234.61,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.04848109185695648},{"word":"might","start":234.61,"end":234.77,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.05386509746313095},{"word":"be","start":234.77,"end":234.93,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.04381175339221954},{"word":"in","start":234.93,"end":235.09,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06499876827001572},{"word":"a","start":235.09,"end":235.17,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04736214503645897},{"word":"few","start":235.17,"end":235.33,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.0544605515897274},{"word":"months","start":235.33,"end":235.65,"confidence":0.9741211,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.04618149250745773},{"word":"i'm","start":235.65,"end":235.81,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.09618501365184784},{"word":"not","start":235.81,"end":235.97,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08638076484203339},{"word":"sure","start":235.97,"end":236.20999,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.08975669741630554},{"word":"at","start":236.20999,"end":236.37,"confidence":0.98828125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.12103134393692017},{"word":"the","start":236.37,"end":236.53,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10996201634407043},{"word":"moment","start":236.53,"end":237.03,"confidence":0.99902344,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.11473681777715684},{"word":"yeah","start":250.115,"end":250.615,"confidence":0.70666504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022196326404809952},{"word":"yeah","start":254.56,"end":254.88,"confidence":0.9057617,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.039395999163389206},{"word":"i've","start":254.88,"end":255.12,"confidence":0.94750977,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04130545258522034},{"word":"got","start":255.12,"end":255.36,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.026967693120241165},{"word":"shares","start":255.36,"end":255.68001,"confidence":0.97509766,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.01303504966199398},{"word":"probably","start":255.68001,"end":256.08,"confidence":0.44921875,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.02046157978475094},{"word":"55","start":256.08,"end":256.8,"confidence":0.9904785,"punctuated_word":"55","sentiment":"neutral","sentiment_score":0.028428930789232257},{"word":"now","start":256.8,"end":257.3,"confidence":0.95288086,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.020014937967061996},{"word":"savings","start":259.52,"end":260.0,"confidence":0.83447266,"punctuated_word":"Savings","sentiment":"neutral","sentiment_score":0.03012324497103691},{"word":"wise","start":260.0,"end":260.24,"confidence":0.9760742,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.02826331183314323},{"word":"and","start":260.24,"end":260.4,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.037200577557086945},{"word":"all","start":260.4,"end":260.56,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.03690739721059799},{"word":"that","start":260.56,"end":260.8,"confidence":0.8461914,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.03572870045900345},{"word":"i","start":260.8,"end":260.88,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.046655651181936264},{"word":"suppose","start":260.88,"end":261.28,"confidence":0.9951172,"punctuated_word":"suppose","sentiment":"neutral","sentiment_score":0.04754620045423508},{"word":"it's","start":261.28,"end":261.6,"confidence":0.8748372,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":0.029835538938641548},{"word":"you","start":261.6,"end":261.76,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024569734930992126},{"word":"know","start":261.76,"end":262.26,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.02848915383219719},{"word":"about","start":262.32,"end":262.64,"confidence":0.80126953,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.021069850772619247},{"word":"50","start":262.64,"end":263.14,"confidence":0.953125,"punctuated_word":"50.","sentiment":"neutral","sentiment_score":0.03510773181915283},{"word":"so","start":264.56,"end":265.04,"confidence":0.9741211,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11455264687538148},{"word":"yeah","start":265.12,"end":265.62,"confidence":0.9885254,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1733022779226303},{"word":"mhmm","start":279.485,"end":279.965,"confidence":0.852478,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.021411892026662827},{"word":"should","start":279.965,"end":280.205,"confidence":0.62646484,"punctuated_word":"Should","sentiment":"neutral","sentiment_score":0.02677014097571373},{"word":"be","start":280.205,"end":280.365,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.023090623319149017},{"word":"1","start":280.365,"end":280.685,"confidence":0.9970703,"punctuated_word":"1","sentiment":"neutral","sentiment_score":0.014419813640415668},{"word":"slash","start":280.685,"end":281.16498,"confidence":0.9980469,"punctuated_word":"Slash","sentiment":"neutral","sentiment_score":0.01282212883234024},{"word":"17","start":281.16498,"end":281.66498,"confidence":0.9946289,"punctuated_word":"17.","sentiment":"neutral","sentiment_score":0.02102624997496605},{"word":"yeah","start":284.5,"end":285.0,"confidence":0.828125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010461967438459396},{"word":"yep","start":286.98,"end":287.48,"confidence":0.83740234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0552472248673439},{"word":"yeah","start":297.345,"end":297.665,"confidence":0.96533203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12007805705070496},{"word":"that's","start":297.665,"end":297.98502,"confidence":0.95825195,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1655554473400116},{"word":"fine","start":297.98502,"end":298.48502,"confidence":0.99365234,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1535465270280838},{"word":"yep","start":309.49,"end":309.99,"confidence":0.8930664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.043288394808769226},{"word":"yep","start":311.88998,"end":312.38998,"confidence":0.9909668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.041511766612529755},{"word":"yeah","start":314.37,"end":314.77,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04159780219197273},{"word":"it's","start":314.77,"end":315.00998,"confidence":0.9616699,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.010371923446655272},{"word":"probably","start":315.00998,"end":315.25,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.007158041000366211},{"word":"a","start":315.25,"end":315.49,"confidence":0.7553711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00262310542166233},{"word":"bit","start":315.49,"end":315.72998,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.006986059248447418},{"word":"more","start":315.72998,"end":315.88998,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.001435939222574234},{"word":"than","start":315.88998,"end":316.05,"confidence":0.9790039,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.0025316961109638214},{"word":"that","start":316.05,"end":316.28998,"confidence":0.74902344,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0070990510284900665},{"word":"but","start":316.28998,"end":316.53,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.026650790125131607},{"word":"yeah","start":316.61,"end":317.09,"confidence":0.9897461,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01967829465866089},{"word":"pretty","start":317.09,"end":317.40997,"confidence":0.99121094,"punctuated_word":"Pretty","sentiment":"positive","sentiment_score":0.40310853719711304},{"word":"much","start":317.40997,"end":317.81,"confidence":0.89697266,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":0.3182191848754883},{"word":"$100,100","start":317.81,"end":318.68997,"confidence":0.82250977,"punctuated_word":"$100,100","sentiment":"neutral","sentiment_score":0.18366539478302},{"word":"20","start":318.68997,"end":319.18997,"confidence":0.7854004,"punctuated_word":"20.","sentiment":"neutral","sentiment_score":0.1614982783794403},{"word":"yeah","start":325.805,"end":326.125,"confidence":0.98413086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07608485221862793},{"word":"well","start":326.125,"end":326.625,"confidence":0.5779419,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.10452552139759064},{"word":"i've","start":326.685,"end":326.845,"confidence":0.5449219,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.12792377173900604},{"word":"seen","start":326.845,"end":327.325,"confidence":0.98535156,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.11176034808158876},{"word":"now","start":327.325,"end":327.645,"confidence":0.82470703,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.10960689187049866},{"word":"on","start":327.645,"end":327.885,"confidence":0.5649414,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.114750474691391},{"word":"15","start":327.885,"end":328.385,"confidence":0.94262695,"punctuated_word":"15.","sentiment":"neutral","sentiment_score":0.1882865279912949},{"word":"well","start":346.96002,"end":347.44,"confidence":0.6616211,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.042209625244140625},{"word":"no","start":347.44,"end":347.76,"confidence":0.77734375,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.0360831581056118},{"word":"like","start":347.76,"end":348.26,"confidence":0.76293945,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.004814494401216507},{"word":"that","start":348.40002,"end":348.72,"confidence":0.6645508,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04164232313632965},{"word":"is","start":348.72,"end":349.12003,"confidence":0.90283203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.017219439148902893},{"word":"definitely","start":349.12003,"end":349.6,"confidence":0.98535156,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.02433156967163086},{"word":"what","start":349.6,"end":349.76,"confidence":0.98095703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.04273813217878342},{"word":"i","start":349.76,"end":349.84003,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.027613140642642975},{"word":"wanna","start":349.84003,"end":350.16,"confidence":0.9394531,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09586051851511002},{"word":"sort","start":350.16,"end":350.48,"confidence":0.8881836,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04753176122903824},{"word":"of","start":350.48,"end":350.98,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08786153048276901},{"word":"consider","start":351.705,"end":352.205,"confidence":0.99902344,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.05155009031295776},{"word":"because","start":352.745,"end":353.245,"confidence":0.6569824,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.07634031027555466},{"word":"i","start":353.305,"end":353.385,"confidence":0.6791992,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.017894230782985687},{"word":"mean","start":353.385,"end":353.885,"confidence":0.74194336,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.002723202109336853},{"word":"ideally","start":354.185,"end":354.665,"confidence":0.61279297,"punctuated_word":"ideally,","sentiment":"neutral","sentiment_score":0.02162347547709942},{"word":"by","start":354.665,"end":354.905,"confidence":0.5463867,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.032698988914489746},{"word":"60","start":354.905,"end":355.305,"confidence":0.9892578,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.04737100750207901},{"word":"half","start":355.305,"end":355.465,"confidence":0.53808594,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.07174959778785706},{"word":"1,000,000","start":355.465,"end":356.04498,"confidence":0.9753418,"punctuated_word":"1,000,000","sentiment":"neutral","sentiment_score":0.09403618425130844},{"word":"in","start":356.585,"end":356.745,"confidence":0.94921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03476870805025101},{"word":"super","start":356.745,"end":357.245,"confidence":0.73461914,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.025922339409589767},{"word":"and","start":358.745,"end":358.985,"confidence":0.95166016,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11932305991649628},{"word":"i'm","start":358.985,"end":359.225,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12005414813756944},{"word":"looking","start":359.225,"end":359.625,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.15515530109405518},{"word":"at","start":359.625,"end":359.785,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1860658973455429},{"word":"doing","start":359.785,"end":360.285,"confidence":0.98339844,"punctuated_word":"doing,","sentiment":"neutral","sentiment_score":0.13486960530281067},{"word":"you","start":360.345,"end":360.425,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09919603168964386},{"word":"know","start":360.425,"end":360.665,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10263219475746156},{"word":"the","start":360.665,"end":360.82498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12336796522140504},{"word":"maximum","start":360.82498,"end":361.32498,"confidence":0.99902344,"punctuated_word":"maximum","sentiment":"neutral","sentiment_score":0.15274478495121002},{"word":"of","start":361.865,"end":362.185,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10442069917917252},{"word":"30,000","start":362.185,"end":362.985,"confidence":0.9995117,"punctuated_word":"30,000","sentiment":"neutral","sentiment_score":0.155636727809906},{"word":"a","start":362.985,"end":363.145,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13455894589424133},{"word":"year","start":363.145,"end":363.645,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.12265101075172424},{"word":"as","start":364.31,"end":364.63,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0952380746603012},{"word":"it","start":364.63,"end":364.87,"confidence":0.8642578,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.03887971118092537},{"word":"you","start":364.87,"end":365.11,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.045929573476314545},{"word":"know","start":365.11,"end":365.59,"confidence":0.967041,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05483239144086838},{"word":"sort","start":365.59,"end":365.67,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03733104467391968},{"word":"of","start":365.67,"end":365.91,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08634500950574875},{"word":"as","start":365.91,"end":366.07,"confidence":0.95947266,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0958915650844574},{"word":"it","start":366.07,"end":366.23,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07921835780143738},{"word":"is","start":366.23,"end":366.73,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05510784685611725},{"word":"up","start":366.95,"end":367.19,"confidence":0.98828125,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.04442882910370827},{"word":"until","start":367.19,"end":367.51,"confidence":0.9980469,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.03396042436361313},{"word":"that","start":367.51,"end":367.75,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07015097886323929},{"word":"point","start":367.75,"end":368.07,"confidence":0.98535156,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":0.0707651823759079},{"word":"so","start":368.07,"end":368.57,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07122688740491867},{"word":"that's","start":370.23,"end":370.47,"confidence":0.98583984,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.10466568171977995},{"word":"the","start":370.47,"end":370.63,"confidence":0.7963867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13244569301605225},{"word":"goal","start":370.63,"end":370.87,"confidence":0.9770508,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.177541583776474},{"word":"for","start":370.87,"end":370.95,"confidence":0.921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15197083353996277},{"word":"me","start":370.95,"end":371.19,"confidence":0.74121094,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.12469886988401412},{"word":"but","start":371.19,"end":371.43,"confidence":0.82910156,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04222159832715988},{"word":"whether","start":371.43,"end":371.67,"confidence":0.41235352,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.01267300546169281},{"word":"or","start":371.67,"end":371.83,"confidence":0.9819336,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.007507577538490295},{"word":"not","start":371.83,"end":371.99,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.040800660848617554},{"word":"i","start":371.99,"end":372.07,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07850654423236847},{"word":"can","start":372.07,"end":372.31,"confidence":0.97998047,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.009614184498786926},{"word":"reach","start":372.31,"end":372.55,"confidence":0.92333984,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.0795166939496994},{"word":"that","start":372.55,"end":372.79,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09739106148481368},{"word":"in","start":372.79,"end":373.03,"confidence":0.96972656,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03183715045452118},{"word":"that","start":373.03,"end":373.27,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0028956979513168335},{"word":"time","start":373.27,"end":373.67,"confidence":0.7076416,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.023247137665748596},{"word":"it's","start":373.67,"end":373.91,"confidence":0.8991699,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.35260552167892456},{"word":"another","start":373.91,"end":374.41,"confidence":0.95947266,"punctuated_word":"another","sentiment":"negative","sentiment_score":-0.3486801087856293},{"word":"issue","start":374.47,"end":374.79,"confidence":0.8942871,"punctuated_word":"issue,","sentiment":"negative","sentiment_score":-0.3772951364517212},{"word":"but","start":374.79,"end":375.29,"confidence":0.99902344,"punctuated_word":"but","sentiment":"negative","sentiment_score":-0.35580429434776306},{"word":"might","start":375.51,"end":375.75,"confidence":0.65234375,"punctuated_word":"might","sentiment":"negative","sentiment_score":-0.38904252648353577},{"word":"take","start":375.75,"end":375.99,"confidence":0.86328125,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.3249005675315857},{"word":"over","start":375.99,"end":376.23,"confidence":0.9902344,"punctuated_word":"over","sentiment":"negative","sentiment_score":-0.3619384169578552},{"word":"a","start":376.23,"end":376.31,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3094393014907837},{"word":"bit","start":376.31,"end":376.47,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.24183185398578644},{"word":"more","start":376.47,"end":376.97,"confidence":0.9995117,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":-0.2131384909152985},{"word":"well","start":381.285,"end":381.525,"confidence":0.85839844,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.011279430240392683},{"word":"yeah","start":381.525,"end":381.885,"confidence":0.85424805,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.012641184031963348},{"word":"i'm","start":381.885,"end":382.245,"confidence":0.9157715,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.017372924834489822},{"word":"thinking","start":382.245,"end":382.745,"confidence":0.99902344,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.03325449675321579},{"word":"of","start":383.045,"end":383.20502,"confidence":0.97509766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.031845130026340485},{"word":"so","start":383.365,"end":383.525,"confidence":0.7104492,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02973141521215439},{"word":"i've","start":383.525,"end":383.685,"confidence":0.9970703,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.03637487441301346},{"word":"gotta","start":383.685,"end":384.005,"confidence":0.63916016,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.04848940297961235},{"word":"make","start":384.005,"end":384.165,"confidence":0.97998047,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07342816144227982},{"word":"my","start":384.165,"end":384.325,"confidence":0.99316406,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.04656195640563965},{"word":"account","start":384.325,"end":384.825,"confidence":0.99902344,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.07003647834062576},{"word":"next","start":385.125,"end":385.625,"confidence":0.9951172,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.03333241119980812},{"word":"week","start":385.685,"end":386.005,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.04654243215918541},{"word":"or","start":386.005,"end":386.325,"confidence":0.704834,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.05213587358593941},{"word":"yeah","start":386.325,"end":386.725,"confidence":0.99853516,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.05961190164089203},{"word":"next","start":386.725,"end":387.04498,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.03514277935028076},{"word":"week","start":387.04498,"end":387.285,"confidence":0.9951172,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.03898993134498596},{"word":"and","start":387.285,"end":387.685,"confidence":0.8989258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04539991915225983},{"word":"go","start":387.685,"end":388.005,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.03627409413456917},{"word":"through","start":388.005,"end":388.325,"confidence":0.76953125,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.03809753432869911},{"word":"i'm","start":388.325,"end":388.565,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08500729501247406},{"word":"thinking","start":388.565,"end":389.04498,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.10472869873046876},{"word":"of","start":389.04498,"end":389.205,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15023599565029144},{"word":"a","start":389.205,"end":389.285,"confidence":0.5732422,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1366841197013855},{"word":"two","start":389.285,"end":389.445,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.13188320398330688},{"word":"bedroom","start":389.445,"end":389.925,"confidence":1.0,"punctuated_word":"bedroom","sentiment":"neutral","sentiment_score":0.12588748335838318},{"word":"apartment","start":389.925,"end":390.425,"confidence":0.8129883,"punctuated_word":"apartment,","sentiment":"neutral","sentiment_score":0.11055029928684236},{"word":"you","start":392.32,"end":392.48,"confidence":0.9707031,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05773727968335152},{"word":"know","start":392.48,"end":392.72,"confidence":0.9020996,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0706837847828865},{"word":"so","start":392.72,"end":392.96,"confidence":0.6948242,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05108160153031349},{"word":"not","start":392.96,"end":393.2,"confidence":0.8496094,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.030019722878932953},{"word":"for","start":393.2,"end":393.6,"confidence":0.9863281,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0246119424700737},{"word":"probably","start":393.6,"end":394.0,"confidence":0.74316406,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.015797659754753113},{"word":"a","start":394.0,"end":394.16,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07542011141777039},{"word":"year","start":394.16,"end":394.4,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.06790368258953094},{"word":"or","start":394.4,"end":394.56,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08250274509191513},{"word":"so","start":394.56,"end":395.06,"confidence":0.9641113,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.08502467721700668},{"word":"i've","start":395.92,"end":396.08,"confidence":0.89990234,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.13769394159317017},{"word":"just","start":396.08,"end":396.32,"confidence":0.9741211,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18087702989578247},{"word":"signed","start":396.32,"end":396.56,"confidence":0.5078125,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.1075134351849556},{"word":"a","start":396.56,"end":396.64,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13066789507865906},{"word":"lease","start":396.64,"end":396.88,"confidence":1.0,"punctuated_word":"lease","sentiment":"neutral","sentiment_score":0.15323689579963684},{"word":"at","start":396.88,"end":397.04,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11888131499290466},{"word":"the","start":397.04,"end":397.12,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15034183859825134},{"word":"moment","start":397.12,"end":397.52,"confidence":0.84033203,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.14407122135162354},{"word":"so","start":397.52,"end":397.84,"confidence":0.83740234,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.1335151195526123},{"word":"yeah","start":397.84,"end":398.16,"confidence":0.9875488,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.16744202375411987},{"word":"looking","start":398.16,"end":398.64,"confidence":0.50878906,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.14936989545822144},{"word":"to","start":398.64,"end":398.72,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18145348131656647},{"word":"buy","start":398.72,"end":399.22,"confidence":0.99902344,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.14286306500434875},{"word":"maybe","start":400.24,"end":400.74,"confidence":0.7565918,"punctuated_word":"maybe,","sentiment":"neutral","sentiment_score":0.09620749950408936},{"word":"yeah","start":401.2,"end":401.6,"confidence":0.99609375,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.12976114451885223},{"word":"maybe","start":401.6,"end":401.92,"confidence":0.9980469,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.12492761015892027},{"word":"in","start":401.92,"end":402.08,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12811487913131714},{"word":"a","start":402.08,"end":402.16,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11988896876573564},{"word":"year","start":402.16,"end":402.66,"confidence":0.9875488,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.11577273160219193},{"word":"no","start":418.06998,"end":418.38998,"confidence":0.9836426,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10799790918827055},{"word":"i","start":418.38998,"end":418.62997,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10155866295099258},{"word":"don't","start":418.62997,"end":419.12997,"confidence":0.9246419,"punctuated_word":"don't.","sentiment":"neutral","sentiment_score":-0.09369996190071106},{"word":"but","start":419.19,"end":419.59,"confidence":0.9941406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.12303878366947174},{"word":"i","start":419.59,"end":419.83,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05032768100500107},{"word":"do","start":419.83,"end":420.33,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.011643484234809875},{"word":"yeah","start":420.87,"end":421.19,"confidence":0.98461914,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.04663871228694916},{"word":"look","start":421.19,"end":421.43,"confidence":0.79467773,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.09254077076911926},{"word":"i","start":421.43,"end":421.50998,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1349052935838699},{"word":"can't","start":421.50998,"end":421.75,"confidence":0.68082684,"punctuated_word":"can't,","sentiment":"neutral","sentiment_score":-0.12376482039690018},{"word":"off","start":421.75,"end":421.99,"confidence":0.9589844,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.13106216490268707},{"word":"the","start":421.99,"end":422.06998,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13818760216236117},{"word":"top","start":422.06998,"end":422.22998,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":-0.13616400957107544},{"word":"of","start":422.22998,"end":422.38998,"confidence":0.9580078,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16312652826309204},{"word":"my","start":422.38998,"end":422.55,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.1634518951177597},{"word":"head","start":422.55,"end":423.03,"confidence":0.9975586,"punctuated_word":"head,","sentiment":"neutral","sentiment_score":-0.12978078424930573},{"word":"recall","start":423.03,"end":423.43,"confidence":0.9160156,"punctuated_word":"recall","sentiment":"neutral","sentiment_score":-0.09237167984247208},{"word":"exactly","start":423.43,"end":423.93,"confidence":0.9980469,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":-0.12578272819519043},{"word":"what","start":423.99,"end":424.38998,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.13659116625785828},{"word":"what","start":424.38998,"end":424.71,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.12439486384391785},{"word":"we've","start":424.71,"end":425.03,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.11017441749572754},{"word":"got","start":425.03,"end":425.34998,"confidence":0.8154297,"punctuated_word":"got.","sentiment":"neutral","sentiment_score":-0.12826578319072723},{"word":"but","start":425.34998,"end":425.84998,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.08924085646867752},{"word":"i","start":426.71,"end":426.87,"confidence":0.6308594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07386113703250885},{"word":"know","start":426.87,"end":427.11,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.07099409401416779},{"word":"we","start":427.11,"end":427.34998,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07112448662519455},{"word":"had","start":427.34998,"end":427.84998,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.06767214834690094},{"word":"income","start":428.06998,"end":428.47,"confidence":0.9716797,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.15333551168441772},{"word":"protection","start":428.47,"end":428.97,"confidence":0.80908203,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":-0.1113366186618805},{"word":"we","start":429.34998,"end":429.59,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.0967973694205284},{"word":"had","start":429.59,"end":430.09,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.08947274088859558},{"word":"life","start":431.285,"end":431.60498,"confidence":0.7128906,"punctuated_word":"life,","sentiment":"neutral","sentiment_score":-0.10541331768035889},{"word":"and","start":431.60498,"end":431.845,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08063189685344696},{"word":"we","start":431.845,"end":432.005,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07388605922460556},{"word":"also","start":432.005,"end":432.32498,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.06779833137989044},{"word":"had","start":432.32498,"end":432.485,"confidence":0.875,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0720953419804573},{"word":"the","start":432.485,"end":432.645,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09903781861066818},{"word":"metlife","start":432.645,"end":433.145,"confidence":0.7141113,"punctuated_word":"MetLife","sentiment":"neutral","sentiment_score":-0.08803690969944},{"word":"outside","start":434.005,"end":434.485,"confidence":0.8989258,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.08833619207143784},{"word":"of","start":434.485,"end":434.565,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11715388298034668},{"word":"that","start":434.565,"end":434.805,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10500453412532806},{"word":"as","start":434.805,"end":434.965,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.08850149810314178},{"word":"well","start":434.965,"end":435.445,"confidence":0.99902344,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.06067400798201561},{"word":"going","start":435.445,"end":435.76498,"confidence":0.5786133,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.05413319170475006},{"word":"out","start":435.76498,"end":435.925,"confidence":0.84277344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.14571669697761536},{"word":"once","start":435.925,"end":436.165,"confidence":0.9980469,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.07093536108732224},{"word":"a","start":436.165,"end":436.32498,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06576339900493622},{"word":"month","start":436.32498,"end":436.725,"confidence":0.99902344,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.052094489336013794},{"word":"yeah","start":436.725,"end":437.225,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10076001286506651},{"word":"yep","start":441.285,"end":441.785,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06964777410030365},{"word":"yep","start":454.94,"end":455.44,"confidence":0.9506836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.028654631227254868},{"word":"yep","start":458.7,"end":459.2,"confidence":0.8769531,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05720367282629013},{"word":"yep","start":459.405,"end":459.905,"confidence":0.970459,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07154174894094467},{"word":"yep","start":468.205,"end":468.705,"confidence":0.80322266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08406122773885727},{"word":"yep","start":470.285,"end":470.785,"confidence":0.9277344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08565228432416916},{"word":"yep","start":485.76,"end":486.08,"confidence":0.83447266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20755138993263245},{"word":"yeah","start":486.08,"end":486.28,"confidence":0.82788086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04853817820549011},{"word":"i","start":486.28,"end":486.48,"confidence":0.60058594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.004295907914638519},{"word":"mean","start":486.48,"end":486.72,"confidence":0.95996094,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.009300120174884796},{"word":"it's","start":486.72,"end":487.04,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05076884478330612},{"word":"tight","start":487.04,"end":487.54,"confidence":0.826416,"punctuated_word":"tight.","sentiment":"neutral","sentiment_score":-0.059483177959918976},{"word":"but","start":488.08,"end":488.535,"confidence":0.86694336,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.031355466693639755},{"word":"yeah","start":488.695,"end":488.855,"confidence":0.8183594,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.03494436293840408},{"word":"i","start":488.855,"end":489.015,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03351675719022751},{"word":"mean","start":489.015,"end":489.335,"confidence":0.9406738,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.017420344054698944},{"word":"it's","start":489.335,"end":489.655,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.045719072222709656},{"word":"tight","start":489.655,"end":489.895,"confidence":0.6894531,"punctuated_word":"tight,","sentiment":"neutral","sentiment_score":-0.07926014065742493},{"word":"but","start":489.895,"end":490.215,"confidence":0.7998047,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.03556518256664276},{"word":"i","start":490.215,"end":490.295,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03560619056224823},{"word":"mean","start":490.295,"end":490.535,"confidence":0.9921875,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.029727336019277573},{"word":"that","start":490.535,"end":490.775,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04870767146348953},{"word":"would","start":490.775,"end":490.935,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.005963489413261414},{"word":"be","start":490.935,"end":491.435,"confidence":0.9616699,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":-0.03495771437883377},{"word":"yeah","start":491.815,"end":492.135,"confidence":0.92944336,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.04437122493982315},{"word":"the","start":492.135,"end":492.295,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.058259204030036926},{"word":"bare","start":492.295,"end":492.615,"confidence":0.9838867,"punctuated_word":"bare","sentiment":"neutral","sentiment_score":-0.05162196606397629},{"word":"minimum","start":492.615,"end":493.115,"confidence":0.9543457,"punctuated_word":"minimum,","sentiment":"neutral","sentiment_score":-0.04497681558132171},{"word":"i","start":493.335,"end":493.415,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008992798626422882},{"word":"suppose","start":493.415,"end":493.915,"confidence":0.99853516,"punctuated_word":"suppose.","sentiment":"neutral","sentiment_score":0.0005176030099391937},{"word":"yep","start":503.29,"end":503.79,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.008944007568061352},{"word":"right","start":515.60504,"end":516.10504,"confidence":0.83813477,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.018086161464452744},{"word":"yep","start":521.445,"end":521.945,"confidence":0.98339844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03256624564528465},{"word":"yep","start":522.325,"end":522.825,"confidence":0.9230957,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.025669975206255913},{"word":"yep","start":531.98,"end":532.48,"confidence":0.83325195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11697480082511902},{"word":"yep","start":539.66,"end":540.16,"confidence":0.7800293,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1066734418272972},{"word":"yeah","start":540.7,"end":541.2,"confidence":0.79589844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14325378835201263},{"word":"yep","start":546.875,"end":547.375,"confidence":0.8059082,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.027339687570929527},{"word":"i","start":549.355,"end":549.515,"confidence":0.78759766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00960652157664299},{"word":"reckon","start":549.515,"end":549.835,"confidence":0.9838867,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":0.010812187567353249},{"word":"it's","start":549.835,"end":549.995,"confidence":0.8640137,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.01440450455993414},{"word":"between","start":549.995,"end":550.47504,"confidence":0.9921875,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.01527812611311674},{"word":"$4.50","start":550.47504,"end":551.03503,"confidence":0.99853516,"punctuated_word":"$4.50","sentiment":"neutral","sentiment_score":0.016071181744337082},{"word":"and","start":551.03503,"end":551.275,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0064488304778933525},{"word":"500","start":551.275,"end":551.935,"confidence":0.9968262,"punctuated_word":"500.","sentiment":"neutral","sentiment_score":0.013092128559947014},{"word":"yeah","start":554.635,"end":555.135,"confidence":0.74194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010973579250276089},{"word":"yeah","start":569.355,"end":569.855,"confidence":0.7438965,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02001488208770752},{"word":"i","start":569.915,"end":570.075,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01156577467918396},{"word":"mean","start":570.075,"end":570.315,"confidence":0.9416504,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.007814377546310425},{"word":"if","start":570.315,"end":570.475,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.004130132496356964},{"word":"it's","start":570.475,"end":570.635,"confidence":0.98291016,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0247360672801733},{"word":"if","start":570.795,"end":570.955,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03205636143684387},{"word":"there's","start":570.955,"end":571.275,"confidence":0.96899414,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.06640021502971649},{"word":"much","start":571.275,"end":571.515,"confidence":0.99609375,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.055720120668411255},{"word":"of","start":571.515,"end":571.595,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08365724235773087},{"word":"a","start":571.595,"end":571.755,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1027146428823471},{"word":"much","start":571.755,"end":571.995,"confidence":0.4091797,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.051658667623996735},{"word":"in","start":571.995,"end":572.235,"confidence":0.50878906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06370415538549423},{"word":"terms","start":572.235,"end":572.555,"confidence":0.90625,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.01922450959682465},{"word":"of","start":572.555,"end":572.715,"confidence":0.97509766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04889106750488281},{"word":"the","start":572.715,"end":572.955,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0394974946975708},{"word":"premium","start":572.955,"end":573.455,"confidence":0.8918457,"punctuated_word":"premium,","sentiment":"neutral","sentiment_score":-0.05104626715183258},{"word":"then","start":573.515,"end":573.835,"confidence":0.9902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0976383537054062},{"word":"i'm","start":573.835,"end":574.075,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.25374817848205566},{"word":"happy","start":574.075,"end":574.395,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.24354857206344604},{"word":"to","start":574.395,"end":574.555,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16071157157421112},{"word":"keep","start":574.555,"end":574.795,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.14083987474441528},{"word":"that","start":574.795,"end":575.035,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15151581168174744},{"word":"going","start":575.035,"end":575.355,"confidence":0.92163086,"punctuated_word":"going.","sentiment":"neutral","sentiment_score":0.1405106782913208},{"word":"but","start":575.355,"end":575.595,"confidence":0.98339844,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.120249904692173},{"word":"you","start":575.595,"end":575.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14772719144821167},{"word":"know","start":575.675,"end":575.915,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1581081748008728},{"word":"if","start":575.915,"end":576.075,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2196052521467209},{"word":"there's","start":576.075,"end":576.235,"confidence":0.9980469,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.2598687410354614},{"word":"a","start":576.235,"end":576.395,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.25106167793273926},{"word":"big","start":576.395,"end":576.635,"confidence":0.9863281,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.2522508203983307},{"word":"difference","start":576.635,"end":576.955,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.28886082768440247},{"word":"and","start":576.955,"end":577.195,"confidence":0.39111328,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.25686725974082947},{"word":"obviously","start":577.195,"end":577.675,"confidence":0.55371094,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.33061885833740234},{"word":"from","start":577.675,"end":577.835,"confidence":0.2902832,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.3262381851673126},{"word":"my","start":577.835,"end":578.075,"confidence":0.6303711,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.41251564025878906},{"word":"insurance","start":578.075,"end":578.555,"confidence":0.68566895,"punctuated_word":"insurance,","sentiment":"negative","sentiment_score":-0.3608292639255524},{"word":"i'd","start":578.555,"end":578.715,"confidence":0.97558594,"punctuated_word":"I'd","sentiment":"negative","sentiment_score":-0.428233802318573},{"word":"rather","start":578.715,"end":579.215,"confidence":1.0,"punctuated_word":"rather","sentiment":"negative","sentiment_score":-0.4995567798614502},{"word":"sort","start":579.275,"end":579.435,"confidence":0.89501953,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.31210583448410034},{"word":"of","start":579.435,"end":579.515,"confidence":0.9716797,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.339443564414978},{"word":"bring","start":579.515,"end":579.755,"confidence":0.9980469,"punctuated_word":"bring","sentiment":"negative","sentiment_score":-0.3752933442592621},{"word":"it","start":579.755,"end":579.915,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3337317407131195},{"word":"down","start":579.915,"end":580.415,"confidence":0.9916992,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.19977852702140808},{"word":"per","start":600.145,"end":600.465,"confidence":0.51904297,"punctuated_word":"Per","sentiment":"neutral","sentiment_score":-0.002629052847623825},{"word":"year","start":600.465,"end":600.965,"confidence":0.8239746,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":-0.007705673575401306},{"word":"yeah","start":601.185,"end":601.585,"confidence":0.9069824,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02288009598851204},{"word":"okay","start":601.585,"end":602.085,"confidence":0.9921875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06618410348892212},{"word":"well","start":602.385,"end":602.705,"confidence":0.96069336,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0851009264588356},{"word":"look","start":602.705,"end":602.865,"confidence":0.7614746,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.09651240706443788},{"word":"that's","start":602.865,"end":603.345,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07577546685934067},{"word":"if","start":603.505,"end":603.745,"confidence":0.8432617,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0705207884311676},{"word":"you","start":603.745,"end":604.145,"confidence":0.9243164,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04033078998327255},{"word":"if","start":604.145,"end":604.465,"confidence":0.9770508,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.050988104194402695},{"word":"you","start":604.465,"end":604.705,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.046355776488780975},{"word":"do","start":604.705,"end":604.865,"confidence":0.37646484,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.011795535683631895},{"word":"think","start":604.865,"end":605.185,"confidence":0.99316406,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.03770022839307785},{"word":"that's","start":605.185,"end":605.425,"confidence":0.79052734,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.01268697064369917},{"word":"a","start":605.425,"end":605.505,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0074294209480285645},{"word":"bit","start":605.505,"end":605.745,"confidence":0.9902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.018083766102790833},{"word":"of","start":605.745,"end":605.90497,"confidence":0.94140625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.050441935658454895},{"word":"over","start":605.90497,"end":606.145,"confidence":0.89501953,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.04879803955554962},{"word":"insured","start":606.145,"end":606.545,"confidence":0.5019531,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.06928803026676178},{"word":"at","start":606.545,"end":606.705,"confidence":0.87060547,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04708888381719589},{"word":"the","start":606.705,"end":606.785,"confidence":0.9165039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.025288447737693787},{"word":"moment","start":606.785,"end":607.105,"confidence":0.92163086,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.02004428207874298},{"word":"that","start":607.105,"end":607.345,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04466140270233154},{"word":"that","start":607.345,"end":607.585,"confidence":0.98095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07038560509681702},{"word":"makes","start":607.585,"end":607.90497,"confidence":0.984375,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.021344207227230072},{"word":"a","start":607.90497,"end":608.305,"confidence":0.95410156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.058232106268405914},{"word":"definite","start":608.305,"end":608.785,"confidence":0.9921875,"punctuated_word":"definite","sentiment":"neutral","sentiment_score":0.0829380676150322},{"word":"difference","start":608.785,"end":609.185,"confidence":0.91967773,"punctuated_word":"difference,","sentiment":"neutral","sentiment_score":0.07051266729831696},{"word":"i","start":609.185,"end":609.345,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16870781779289246},{"word":"think","start":609.345,"end":609.585,"confidence":0.9741211,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.17628873884677887},{"word":"if","start":609.585,"end":609.745,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20969358086586},{"word":"we","start":609.745,"end":609.825,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13030973076820374},{"word":"go","start":609.825,"end":610.065,"confidence":0.9223633,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.14697904884815216},{"word":"for","start":610.065,"end":610.225,"confidence":0.9760742,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12350350618362428},{"word":"that","start":610.225,"end":610.465,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08149576187133789},{"word":"one","start":610.465,"end":610.965,"confidence":0.9995117,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.05991894006729126},{"word":"yep","start":621.97003,"end":622.47003,"confidence":0.7114258,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3216860294342041},{"word":"yep","start":627.365,"end":627.865,"confidence":0.751709,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08461498469114304},{"word":"yep","start":631.405,"end":631.905,"confidence":0.8249512,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07695896178483963},{"word":"yep","start":635.445,"end":635.945,"confidence":0.7546387,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0788334459066391},{"word":"yep","start":639.605,"end":640.105,"confidence":0.7873535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.026839271187782288},{"word":"k","start":640.40497,"end":640.83,"confidence":0.8300781,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":-0.034611769020557404},{"word":"yep","start":653.39,"end":653.89,"confidence":0.7841797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.11271709203720091},{"word":"yep","start":655.485,"end":655.985,"confidence":0.77685547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.04114951938390732},{"word":"yep","start":657.485,"end":657.96497,"confidence":0.9428711,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.007576518692076206},{"word":"now","start":657.96497,"end":658.125,"confidence":0.45861816,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":-0.0877031683921814},{"word":"well","start":658.125,"end":658.285,"confidence":0.93530273,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.1012529283761978},{"word":"this","start":658.285,"end":658.52496,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.29119351506233215},{"word":"is","start":658.52496,"end":658.605,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2699128985404968},{"word":"what","start":658.605,"end":658.76495,"confidence":0.9760742,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2533404231071472},{"word":"i","start":658.76495,"end":658.925,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.31241801381111145},{"word":"wanna","start":658.925,"end":659.245,"confidence":0.9135742,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.3419686257839203},{"word":"avoid","start":659.245,"end":659.565,"confidence":0.99609375,"punctuated_word":"avoid","sentiment":"neutral","sentiment_score":-0.18781861662864685},{"word":"because","start":659.565,"end":659.805,"confidence":0.8144531,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.18663908541202545},{"word":"it","start":659.805,"end":659.96497,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3175384998321533},{"word":"seemed","start":659.96497,"end":660.285,"confidence":0.81152344,"punctuated_word":"seemed","sentiment":"neutral","sentiment_score":-0.18093806505203247},{"word":"to","start":660.285,"end":660.365,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18064013123512268},{"word":"go","start":660.365,"end":660.52496,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.030383706092834473},{"word":"up","start":660.52496,"end":660.685,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.06890510022640228},{"word":"quite","start":660.685,"end":661.00494,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.08545190095901489},{"word":"a","start":661.00494,"end":661.08496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09597893804311752},{"word":"lot","start":661.08496,"end":661.40497,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.02628140151500702},{"word":"last","start":661.40497,"end":661.805,"confidence":0.87158203,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.017374008893966675},{"word":"year","start":661.805,"end":662.125,"confidence":0.90405273,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.02247733622789383},{"word":"it","start":662.125,"end":662.20496,"confidence":0.9375,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.0032857507467269897},{"word":"was","start":662.20496,"end":662.44495,"confidence":0.9921875,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.12114200741052628},{"word":"up","start":662.44495,"end":662.605,"confidence":0.81640625,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.0997190773487091},{"word":"like","start":662.605,"end":662.925,"confidence":0.9914551,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0754232257604599},{"word":"25%","start":662.925,"end":663.805,"confidence":0.90633136,"punctuated_word":"25%.","sentiment":"neutral","sentiment_score":0.08465834707021713},{"word":"oh","start":663.805,"end":663.96497,"confidence":0.7023926,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.01833509281277657},{"word":"it's","start":663.96497,"end":664.125,"confidence":0.67822266,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.064303919672966},{"word":"like","start":664.125,"end":664.365,"confidence":0.6970215,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.052073583006858826},{"word":"jeez","start":664.365,"end":664.865,"confidence":0.6805013,"punctuated_word":"jeez.","sentiment":"neutral","sentiment_score":-0.023311525583267212},{"word":"it's","start":665.40497,"end":665.725,"confidence":0.7636719,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.13676707446575165},{"word":"quite","start":665.725,"end":666.045,"confidence":0.67822266,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.0947711318731308},{"word":"a","start":666.045,"end":666.125,"confidence":0.9716797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.20831722021102905},{"word":"kick","start":666.125,"end":666.52496,"confidence":0.88549805,"punctuated_word":"kick.","sentiment":"neutral","sentiment_score":-0.11524958163499832},{"word":"but","start":666.52496,"end":667.02496,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.10285193473100662},{"word":"is","start":668.23004,"end":668.47003,"confidence":0.98095703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.13860902190208435},{"word":"there","start":668.47003,"end":668.55005,"confidence":0.9873047,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.12342987954616548},{"word":"that","start":668.71,"end":668.87006,"confidence":0.90722656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1494804620742798},{"word":"that's","start":668.95,"end":669.19,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.20349465310573575},{"word":"just","start":669.19,"end":669.43005,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1778189092874527},{"word":"the","start":669.43005,"end":669.51,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1628343164920807},{"word":"way","start":669.51,"end":669.67004,"confidence":0.9741211,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.16577015817165375},{"word":"it","start":669.67004,"end":669.83,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1609809398651123},{"word":"is","start":669.83,"end":670.07,"confidence":0.74035645,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.1584416925907135},{"word":"is","start":670.07,"end":670.23004,"confidence":0.9941406,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.10266441106796265},{"word":"that","start":670.23004,"end":670.39,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10115636140108109},{"word":"what","start":670.39,"end":670.71,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10151048004627228},{"word":"what","start":670.71,"end":670.95,"confidence":0.99121094,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08618079870939255},{"word":"happens","start":670.95,"end":671.45,"confidence":0.99902344,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.07719448208808899},{"word":"every","start":671.59,"end":671.83,"confidence":0.99316406,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.059235747903585434},{"word":"year","start":671.83,"end":672.33,"confidence":0.99609375,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":-0.11042127013206482},{"word":"yeah","start":691.145,"end":691.465,"confidence":0.7558594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018664922565221783},{"word":"well","start":691.465,"end":691.705,"confidence":0.9772949,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.03183435648679733},{"word":"this","start":691.705,"end":691.945,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.06161282956600189},{"word":"is","start":691.945,"end":692.185,"confidence":0.93603516,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.030828341841697693},{"word":"the","start":692.185,"end":692.585,"confidence":0.84814453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.030667945742607117},{"word":"thing","start":692.585,"end":692.905,"confidence":0.8186035,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.006747659295797348},{"word":"i","start":692.905,"end":692.98505,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12778349220752716},{"word":"think","start":692.98505,"end":693.22504,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.14260096848011017},{"word":"i've","start":693.22504,"end":693.465,"confidence":0.5324707,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.19109100103378296},{"word":"sort","start":693.465,"end":693.78503,"confidence":0.96875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.17645832896232605},{"word":"of","start":693.78503,"end":693.86505,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.22033736109733584},{"word":"i'm","start":693.945,"end":694.445,"confidence":0.99658203,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.27106648683547974},{"word":"still","start":694.585,"end":694.905,"confidence":0.85595703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.20378434658050537},{"word":"playing","start":694.905,"end":695.22504,"confidence":0.9448242,"punctuated_word":"playing","sentiment":"neutral","sentiment_score":-0.2415638267993927},{"word":"a","start":695.22504,"end":695.30505,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22534674406051636},{"word":"bit","start":695.30505,"end":695.465,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.21481525897979736},{"word":"of","start":695.465,"end":695.625,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.30546119809150696},{"word":"catch","start":695.625,"end":695.86505,"confidence":0.9980469,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":-0.3021826148033142},{"word":"up","start":695.86505,"end":696.025,"confidence":0.77734375,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.2301313877105713},{"word":"so","start":696.025,"end":696.525,"confidence":0.97509766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.14931263029575348},{"word":"i","start":696.66504,"end":696.74506,"confidence":0.96972656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1942661553621292},{"word":"need","start":696.74506,"end":696.905,"confidence":0.6850586,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.21397244930267337},{"word":"to","start":696.905,"end":697.405,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15787571668624878},{"word":"yeah","start":698.4,"end":698.72003,"confidence":0.953125,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.14812125265598297},{"word":"i","start":698.72003,"end":698.88,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1444660723209381},{"word":"mean","start":698.88,"end":699.12,"confidence":0.9562988,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.12052056938409804},{"word":"i","start":699.12,"end":699.2,"confidence":0.98291016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20767223834991455},{"word":"need","start":699.2,"end":699.44,"confidence":0.7717285,"punctuated_word":"need,","sentiment":"neutral","sentiment_score":-0.16260889172554016},{"word":"obviously","start":699.44,"end":699.94,"confidence":0.9946289,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.13024088740348816},{"word":"to","start":700.0,"end":700.16,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16705641150474548},{"word":"get","start":700.16,"end":700.32,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.13530051708221436},{"word":"the","start":700.32,"end":700.48,"confidence":0.94970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15798375010490415},{"word":"super","start":700.48,"end":700.88,"confidence":0.87841797,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.05311782658100128},{"word":"up","start":700.88,"end":701.38,"confidence":0.8352051,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.1099175214767456},{"word":"but","start":701.6,"end":701.84,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.11902891844511032},{"word":"it's","start":701.84,"end":702.0,"confidence":0.98706055,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2439825534820557},{"word":"a","start":702.0,"end":702.16,"confidence":0.91259766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.29155224561691284},{"word":"catch","start":702.16,"end":702.48,"confidence":0.734375,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":-0.3226529657840729},{"word":"22","start":702.48,"end":703.28,"confidence":0.85443115,"punctuated_word":"22.","sentiment":"neutral","sentiment_score":-0.32440704107284546},{"word":"it","start":703.28,"end":703.52,"confidence":0.94970703,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.4976857304573059},{"word":"eats","start":703.52,"end":703.76,"confidence":0.6923828,"punctuated_word":"eats","sentiment":"negative","sentiment_score":-0.3829433917999267},{"word":"into","start":703.76,"end":704.0,"confidence":0.8730469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.3163413107395172},{"word":"the","start":704.0,"end":704.16,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2987409234046936},{"word":"super","start":704.16,"end":704.48,"confidence":0.8791504,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.2301795780658722},{"word":"doesn't","start":704.48,"end":704.88,"confidence":0.99853516,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.0813562422990799},{"word":"it","start":704.88,"end":705.04,"confidence":0.9926758,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.07863064855337143},{"word":"so","start":705.04,"end":705.54,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.006334744393825531},{"word":"what","start":706.08,"end":706.32,"confidence":0.96777344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.005380645394325256},{"word":"what's","start":706.48,"end":706.8,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.01667528972029686},{"word":"the","start":706.8,"end":706.96,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05026138573884964},{"word":"best","start":706.96,"end":707.28,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.02982848882675171},{"word":"course","start":707.28,"end":707.52,"confidence":0.99609375,"punctuated_word":"course","sentiment":"neutral","sentiment_score":0.06285175681114197},{"word":"of","start":707.52,"end":707.6,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05235158652067184},{"word":"action","start":707.6,"end":707.92,"confidence":0.99902344,"punctuated_word":"action","sentiment":"neutral","sentiment_score":0.016552522778511047},{"word":"with","start":707.92,"end":708.16,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04209156334400177},{"word":"that","start":708.16,"end":708.32,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06703972071409225},{"word":"then","start":708.32,"end":708.82,"confidence":0.97875977,"punctuated_word":"then?","sentiment":"neutral","sentiment_score":0.09536655247211456},{"word":"yep","start":722.865,"end":723.265,"confidence":0.96972656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15416716039180756},{"word":"yep","start":723.265,"end":723.745,"confidence":0.72595215,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1299048811197281},{"word":"yep","start":723.745,"end":724.245,"confidence":0.7702637,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13868442177772522},{"word":"yeah","start":730.76,"end":731.0,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08349531888961792},{"word":"so","start":731.0,"end":731.24005,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05407791584730148},{"word":"is","start":731.24005,"end":731.48004,"confidence":0.9394531,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04807761311531067},{"word":"there","start":731.48004,"end":731.64,"confidence":0.91503906,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0654199942946434},{"word":"no","start":731.64,"end":731.88,"confidence":0.99609375,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.011151045560836792},{"word":"default","start":731.88,"end":732.38,"confidence":0.9980469,"punctuated_word":"default","sentiment":"neutral","sentiment_score":-0.05237532407045365},{"word":"insurance","start":733.32,"end":733.82,"confidence":0.9633789,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.045693978667259216},{"word":"with","start":733.96,"end":734.12006,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.00021958351135253904},{"word":"any","start":734.12006,"end":734.36005,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.014426842331886292},{"word":"of","start":734.36005,"end":734.44,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02964620292186737},{"word":"the","start":734.44,"end":734.68005,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02254880964756012},{"word":"super","start":734.68005,"end":735.18005,"confidence":0.9423828,"punctuated_word":"super?","sentiment":"neutral","sentiment_score":0.05248424783349037},{"word":"yeah","start":749.245,"end":749.485,"confidence":0.81518555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.042795587331056595},{"word":"yeah","start":749.485,"end":749.985,"confidence":0.98461914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.033053476363420486},{"word":"i","start":750.125,"end":750.285,"confidence":0.72558594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04457300156354904},{"word":"understand","start":750.285,"end":750.765,"confidence":0.99902344,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.05875874310731888},{"word":"that","start":750.765,"end":751.085,"confidence":0.9145508,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.09890852868556976},{"word":"it's","start":751.085,"end":751.585,"confidence":0.74902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.14565393328666687},{"word":"it's","start":751.645,"end":751.725,"confidence":0.9807129,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.152206152677536},{"word":"necessary","start":751.725,"end":752.205,"confidence":0.99902344,"punctuated_word":"necessary","sentiment":"neutral","sentiment_score":-0.1181829795241356},{"word":"because","start":752.205,"end":752.525,"confidence":0.9038086,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1164548471570015},{"word":"i've","start":752.525,"end":752.685,"confidence":0.9250488,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.16399452090263367},{"word":"got","start":752.685,"end":752.845,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.16491761803627014},{"word":"my","start":752.845,"end":753.005,"confidence":0.9941406,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.21470928192138672},{"word":"own","start":753.005,"end":753.165,"confidence":0.9951172,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.23966050148010257},{"word":"business","start":753.165,"end":753.485,"confidence":1.0,"punctuated_word":"business","sentiment":"neutral","sentiment_score":-0.17383629083633423},{"word":"and","start":753.485,"end":753.985,"confidence":0.64160156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17760416865348816},{"word":"it's","start":754.22003,"end":754.38,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1896127462387085},{"word":"not","start":754.38,"end":754.5,"confidence":0.96533203,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1505124568939209},{"word":"like","start":754.5,"end":754.62,"confidence":0.9526367,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.17891672253608704},{"word":"i've","start":754.62,"end":754.86,"confidence":0.98657227,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.19876013696193695},{"word":"got","start":754.86,"end":755.10004,"confidence":0.9921875,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.2209339737892151},{"word":"work","start":755.10004,"end":755.42004,"confidence":0.9633789,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.32046350836753845},{"word":"cover","start":755.42004,"end":755.66003,"confidence":0.89208984,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.16793464124202728},{"word":"or","start":755.66003,"end":755.74,"confidence":0.9741211,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1800164133310318},{"word":"anything","start":755.74,"end":756.06,"confidence":0.8125,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":-0.16446372866630554},{"word":"you","start":756.06,"end":756.22003,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12107637524604796},{"word":"know","start":756.22003,"end":756.72003,"confidence":0.75390625,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.13510040938854218},{"word":"so","start":759.10004,"end":759.34,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0058575645089149475},{"word":"i","start":759.34,"end":759.42004,"confidence":0.8730469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014139220118522644},{"word":"understand","start":759.42004,"end":759.92004,"confidence":0.9970703,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.0054676830768585205},{"word":"that's","start":759.98004,"end":760.22003,"confidence":0.9433594,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.025549685582518578},{"word":"and","start":760.3,"end":760.54004,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0247228741645813},{"word":"and","start":760.54004,"end":761.04004,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0177285298705101},{"word":"i","start":761.18,"end":761.26,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0176321379840374},{"word":"think","start":761.26,"end":761.58,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.024244554340839383},{"word":"that","start":761.58,"end":761.74,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03761836886405945},{"word":"is","start":761.74,"end":762.06,"confidence":0.95703125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05460851639509201},{"word":"the","start":762.06,"end":762.14,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07006553560495377},{"word":"bare","start":762.14,"end":762.46,"confidence":0.99121094,"punctuated_word":"bare","sentiment":"neutral","sentiment_score":-0.07084600627422333},{"word":"minimum","start":762.46,"end":762.96,"confidence":0.9741211,"punctuated_word":"minimum,","sentiment":"neutral","sentiment_score":-0.06886696815490723},{"word":"you","start":763.42004,"end":763.58,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05958857759833336},{"word":"know","start":763.58,"end":763.82,"confidence":0.99609375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.07155463099479675},{"word":"income","start":763.82,"end":764.22003,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.07494457066059113},{"word":"protection","start":764.22003,"end":764.7,"confidence":0.9970703,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.07620248198509216},{"word":"wise","start":764.7,"end":765.10004,"confidence":0.97802734,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":-0.06960294395685196},{"word":"that","start":765.10004,"end":765.60004,"confidence":0.91845703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05985039472579956},{"word":"i","start":765.9,"end":766.06,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06360858678817749},{"word":"would","start":766.06,"end":766.3,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.047578658908605576},{"word":"need","start":766.3,"end":766.8,"confidence":0.9975586,"punctuated_word":"need.","sentiment":"neutral","sentiment_score":-0.05506104230880737},{"word":"so","start":768.085,"end":768.405,"confidence":0.9614258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03167400136590004},{"word":"yeah","start":768.645,"end":768.965,"confidence":0.9855957,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.026507152244448665},{"word":"i","start":768.965,"end":769.04504,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04215516522526741},{"word":"mean","start":769.04504,"end":769.54504,"confidence":0.9597168,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.033837318420410156},{"word":"that","start":770.245,"end":770.48505,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.035926103591918945},{"word":"i","start":770.48505,"end":770.645,"confidence":0.9350586,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05588526278734207},{"word":"have","start":770.645,"end":770.885,"confidence":0.98535156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05443063750863075},{"word":"to","start":770.885,"end":771.385,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.052872434258461},{"word":"take","start":771.525,"end":771.925,"confidence":0.9970703,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.0628269761800766},{"word":"on","start":771.925,"end":772.085,"confidence":0.9873047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09237030148506165},{"word":"the","start":772.085,"end":772.245,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07899942249059677},{"word":"chin","start":772.245,"end":772.48505,"confidence":0.7805176,"punctuated_word":"chin,","sentiment":"neutral","sentiment_score":-0.0770738422870636},{"word":"i","start":772.48505,"end":772.645,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03053637221455574},{"word":"suppose","start":772.645,"end":773.145,"confidence":0.89501953,"punctuated_word":"suppose.","sentiment":"neutral","sentiment_score":-0.0392712876200676},{"word":"but","start":773.525,"end":774.025,"confidence":0.9404297,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.023253656923770905},{"word":"yeah","start":782.16003,"end":782.66003,"confidence":0.8029785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.034107230603694916},{"word":"well","start":799.195,"end":799.515,"confidence":0.814209,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.01992625743150711},{"word":"maybe","start":799.515,"end":799.835,"confidence":0.99902344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.025343216955661777},{"word":"that's","start":799.835,"end":800.155,"confidence":0.99365234,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.06333252042531967},{"word":"something","start":800.155,"end":800.47504,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.09056785702705385},{"word":"we","start":800.47504,"end":800.715,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1127326488494873},{"word":"look","start":800.715,"end":800.875,"confidence":0.8730469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0758996233344078},{"word":"at","start":800.875,"end":801.11505,"confidence":0.97265625,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07362121343612671},{"word":"when","start":801.11505,"end":801.275,"confidence":0.94921875,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.04790820926427841},{"word":"it's","start":801.275,"end":801.515,"confidence":0.6497803,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06283010542392731},{"word":"further","start":801.515,"end":801.835,"confidence":0.99316406,"punctuated_word":"further","sentiment":"neutral","sentiment_score":-0.04770239442586899},{"word":"down","start":801.835,"end":802.075,"confidence":0.99609375,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.011182382702827454},{"word":"the","start":802.075,"end":802.23505,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04633481800556183},{"word":"track","start":802.23505,"end":802.55505,"confidence":0.7878418,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":-0.03591444343328476},{"word":"like","start":802.55505,"end":803.03503,"confidence":0.8552246,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05587070807814598},{"word":"when","start":803.03503,"end":803.195,"confidence":0.8959961,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.05346573889255524},{"word":"i","start":803.195,"end":803.275,"confidence":0.96972656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.053895704448223114},{"word":"build","start":803.275,"end":803.59503,"confidence":0.5390625,"punctuated_word":"build","sentiment":"neutral","sentiment_score":-0.02507878839969635},{"word":"the","start":803.59503,"end":803.755,"confidence":0.76123047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06303088366985321},{"word":"super","start":803.755,"end":804.075,"confidence":0.9301758,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.012817434966564178},{"word":"up","start":804.075,"end":804.315,"confidence":0.9326172,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.01068560779094696},{"word":"a","start":804.315,"end":804.395,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08093564957380295},{"word":"bit","start":804.395,"end":804.635,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0686948150396347},{"word":"more","start":804.635,"end":805.135,"confidence":0.89868164,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":-0.08811996877193451},{"word":"and","start":806.47504,"end":806.635,"confidence":0.8178711,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.02240169420838356},{"word":"that's","start":806.635,"end":806.875,"confidence":0.99560547,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.020835941657423973},{"word":"the","start":806.875,"end":807.03503,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.011563561856746674},{"word":"thing","start":807.03503,"end":807.275,"confidence":0.8564453,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":-0.008168280124664307},{"word":"like","start":807.275,"end":807.59503,"confidence":0.98535156,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03666882589459419},{"word":"even","start":807.59503,"end":807.91504,"confidence":0.9941406,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.029347404837608337},{"word":"with","start":807.91504,"end":808.41504,"confidence":0.9914551,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":-0.05887537822127342},{"word":"you","start":809.37,"end":809.45,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.061569374054670334},{"word":"know","start":809.45,"end":809.69,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.07107402384281158},{"word":"the","start":809.69,"end":809.85004,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08851568400859833},{"word":"settlement","start":809.85004,"end":810.35004,"confidence":1.0,"punctuated_word":"settlement","sentiment":"neutral","sentiment_score":-0.07626572251319885},{"word":"and","start":810.49005,"end":810.99005,"confidence":0.70654297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.074530228972435},{"word":"and","start":811.61005,"end":811.77,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05277865752577782},{"word":"also","start":811.77,"end":812.27,"confidence":0.91015625,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.04006107524037361},{"word":"if","start":812.57,"end":813.07,"confidence":0.8339844,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.043249063193798065},{"word":"there's","start":813.21,"end":813.45,"confidence":0.9782715,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.046933047473430634},{"word":"some","start":813.45,"end":813.69,"confidence":0.9013672,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.030832231044769287},{"word":"extra","start":813.69,"end":814.09,"confidence":0.98291016,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.06438535451889038},{"word":"super","start":814.09,"end":814.49005,"confidence":0.9326172,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.050306349992752075},{"word":"going","start":814.49005,"end":814.81,"confidence":0.9970703,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.015021763741970062},{"word":"in","start":814.81,"end":814.97003,"confidence":0.8364258,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.042613059282302856},{"word":"through","start":814.97003,"end":815.47003,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.08812977373600006},{"word":"my","start":815.53,"end":815.77,"confidence":0.9941406,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.07661594450473785},{"word":"wife's","start":815.77,"end":816.09,"confidence":0.98339844,"punctuated_word":"wife's","sentiment":"neutral","sentiment_score":-0.06645108014345169},{"word":"account","start":816.09,"end":816.41003,"confidence":0.64086914,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":-0.0594087690114975},{"word":"then","start":816.41003,"end":816.91003,"confidence":0.6413574,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.0360836386680603},{"word":"yeah","start":816.97003,"end":817.29004,"confidence":0.98461914,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.023844951763749123},{"word":"maybe","start":817.29004,"end":817.61005,"confidence":0.96240234,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.027583017945289612},{"word":"in","start":817.61005,"end":817.77,"confidence":0.96533203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05740733444690704},{"word":"a","start":817.77,"end":817.85004,"confidence":0.8183594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05738708376884461},{"word":"couple","start":817.85004,"end":818.09,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.06623749434947968},{"word":"of","start":818.09,"end":818.17004,"confidence":0.6459961,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07573701441287994},{"word":"years","start":818.17004,"end":818.41003,"confidence":0.79541016,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.0368388369679451},{"word":"i","start":818.41003,"end":818.49005,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02413349598646164},{"word":"can","start":818.49005,"end":818.73004,"confidence":0.99316406,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.001659967005252838},{"word":"kinda","start":818.73004,"end":818.97003,"confidence":0.85595703,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.0248241126537323},{"word":"look","start":818.97003,"end":819.21,"confidence":0.99316406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03380364924669266},{"word":"to","start":819.21,"end":819.37,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03438159078359604},{"word":"do","start":819.37,"end":819.53,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03323674947023392},{"word":"that","start":819.53,"end":819.69,"confidence":0.8659668,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.0413600392639637},{"word":"i","start":819.69,"end":819.77,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.002406969666481018},{"word":"suppose","start":819.77,"end":820.27,"confidence":0.8544922,"punctuated_word":"suppose.","sentiment":"neutral","sentiment_score":0.004885949194431305},{"word":"might","start":820.33,"end":820.57,"confidence":0.7944336,"punctuated_word":"Might","sentiment":"neutral","sentiment_score":0.10162530839443208},{"word":"be","start":820.57,"end":820.73004,"confidence":0.984375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08274809271097183},{"word":"the","start":820.73004,"end":820.89,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07379479706287384},{"word":"best","start":820.89,"end":821.21,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.09529011696577072},{"word":"way","start":821.21,"end":821.71,"confidence":0.82250977,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.1445251703262329},{"word":"yep","start":821.93005,"end":822.43005,"confidence":0.80688477,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0492158904671669},{"word":"yep","start":830.915,"end":831.415,"confidence":0.8300781,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.008153568021953106},{"word":"yeah","start":833.875,"end":834.195,"confidence":0.96362305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2314399629831314},{"word":"that's","start":834.195,"end":834.595,"confidence":0.9916992,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3875908851623535},{"word":"cool","start":834.595,"end":835.075,"confidence":0.9941406,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.45972704887390137},{"word":"yep","start":835.075,"end":835.53,"confidence":0.97094727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25353384017944336},{"word":"yep","start":843.69,"end":844.19,"confidence":0.97631836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.050628554075956345},{"word":"yeah","start":850.65,"end":851.15,"confidence":0.9567871,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02149077132344246},{"word":"yep","start":857.425,"end":857.665,"confidence":0.921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06786099076271057},{"word":"yeah","start":857.665,"end":858.165,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05576586723327637},{"word":"so","start":858.305,"end":858.625,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02716011181473732},{"word":"so","start":858.625,"end":859.125,"confidence":0.96972656,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02297031134366989},{"word":"what","start":859.265,"end":859.505,"confidence":0.9770508,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.00659295916557312},{"word":"is","start":859.505,"end":859.665,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.004675082862377167},{"word":"it","start":859.665,"end":859.905,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.013464637100696564},{"word":"now","start":859.905,"end":860.385,"confidence":0.986084,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":-0.0025541766081005335},{"word":"is","start":860.385,"end":860.545,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.01525268517434597},{"word":"it","start":860.545,"end":860.78503,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.004221770912408829},{"word":"about","start":860.78503,"end":861.28503,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.011073064059019089},{"word":"5,000","start":862.225,"end":862.78503,"confidence":0.99853516,"punctuated_word":"5,000","sentiment":"neutral","sentiment_score":0.004812795668840408},{"word":"a","start":862.78503,"end":862.945,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.003270144108682871},{"word":"year","start":862.945,"end":863.105,"confidence":0.9980469,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0015562139451503754},{"word":"or","start":863.105,"end":863.265,"confidence":0.70654297,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.006056131795048714},{"word":"something","start":863.265,"end":863.585,"confidence":0.77124023,"punctuated_word":"something?","sentiment":"neutral","sentiment_score":-0.00359520735219121},{"word":"what","start":863.585,"end":863.825,"confidence":0.9560547,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.016643697395920753},{"word":"what","start":863.825,"end":864.325,"confidence":0.9316406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03673858195543289},{"word":"with","start":864.705,"end":865.205,"confidence":0.72998047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07028599083423615},{"word":"yes","start":872.33,"end":872.83,"confidence":0.8198242,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.0540713295340538},{"word":"yeah","start":873.13,"end":873.37,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19800320267677307},{"word":"it","start":873.37,"end":873.53,"confidence":0.99121094,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3428671956062317},{"word":"would","start":873.53,"end":873.69,"confidence":0.9980469,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.3844547271728515},{"word":"be","start":873.69,"end":873.85004,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3806683123111725},{"word":"good","start":873.85004,"end":874.01,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3969192504882813},{"word":"to","start":874.01,"end":874.17004,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.45814135670661926},{"word":"get","start":874.17004,"end":874.41003,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4732367992401123},{"word":"it","start":874.41003,"end":874.49,"confidence":0.9350586,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.41909414529800415},{"word":"to","start":874.49,"end":874.65,"confidence":0.9941406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4362466037273407},{"word":"that","start":874.65,"end":874.97003,"confidence":0.98828125,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4484151601791382},{"word":"4,000","start":874.97003,"end":875.69,"confidence":0.99658203,"punctuated_word":"4,000","sentiment":"positive","sentiment_score":0.4121106266975403},{"word":"and","start":875.69,"end":875.93,"confidence":0.7265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3251500725746155},{"word":"because","start":876.17004,"end":876.49,"confidence":0.9970703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.25174209475517273},{"word":"i","start":876.49,"end":876.57,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.31527188420295715},{"word":"just","start":876.57,"end":876.81,"confidence":0.9863281,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26783159375190735},{"word":"yeah","start":876.89,"end":877.13,"confidence":0.94091797,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2897300124168396},{"word":"if","start":877.13,"end":877.29004,"confidence":0.984375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.27893370389938354},{"word":"i'm","start":877.29004,"end":877.45,"confidence":0.99658203,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.20217137038707733},{"word":"putting","start":877.45,"end":877.77,"confidence":0.9951172,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.19961324334144592},{"word":"30,000","start":877.77,"end":878.49,"confidence":0.99853516,"punctuated_word":"30,000","sentiment":"neutral","sentiment_score":0.1696394979953766},{"word":"in","start":878.49,"end":878.65,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1471184641122818},{"word":"a","start":878.65,"end":878.81,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1441979557275772},{"word":"year","start":878.81,"end":879.13,"confidence":0.79125977,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.13694652915000916},{"word":"then","start":879.13,"end":879.63,"confidence":0.95336914,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.13340890407562256},{"word":"you","start":880.185,"end":880.265,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1197841614484787},{"word":"know","start":880.265,"end":880.505,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.132241353392601},{"word":"i","start":880.505,"end":880.585,"confidence":0.96240234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15481451153755188},{"word":"could","start":880.585,"end":880.825,"confidence":0.93408203,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.18395891785621643},{"word":"almost","start":880.825,"end":881.22504,"confidence":0.9970703,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":0.15743747353553772},{"word":"look","start":881.22504,"end":881.465,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08745887875556946},{"word":"at","start":881.465,"end":881.705,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09140381962060928},{"word":"trying","start":881.705,"end":882.185,"confidence":0.99902344,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.14078328013420105},{"word":"to","start":882.185,"end":882.34503,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14384298026561737},{"word":"do","start":882.34503,"end":882.84503,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1344636231660843},{"word":"35","start":883.305,"end":884.205,"confidence":0.9674072,"punctuated_word":"35,","sentiment":"neutral","sentiment_score":0.1621638834476471},{"word":"which","start":885.865,"end":886.10504,"confidence":0.7109375,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.023752614855766296},{"word":"is","start":886.10504,"end":886.34503,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03474371135234833},{"word":"tough","start":886.34503,"end":886.585,"confidence":0.87402344,"punctuated_word":"tough.","sentiment":"neutral","sentiment_score":0.048557836562395096},{"word":"but","start":886.585,"end":886.905,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1672208607196808},{"word":"at","start":886.905,"end":887.065,"confidence":0.9604492,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15126246213912964},{"word":"the","start":887.065,"end":887.145,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17836028337478638},{"word":"same","start":887.145,"end":887.385,"confidence":0.9970703,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.16488316655158997},{"word":"time","start":887.385,"end":887.54504,"confidence":0.98217773,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.17816901206970215},{"word":"i","start":887.54504,"end":887.625,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21047203242778775},{"word":"usually","start":887.625,"end":888.025,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.23584671318531036},{"word":"get","start":888.025,"end":888.265,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2563033103942871},{"word":"to","start":888.265,"end":888.505,"confidence":0.9707031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21278128027915957},{"word":"because","start":888.585,"end":888.98505,"confidence":0.99316406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.21608854830265045},{"word":"with","start":888.98505,"end":889.22504,"confidence":0.8339844,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.33521145582199097},{"word":"my","start":889.22504,"end":889.465,"confidence":0.93359375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.3017953038215637},{"word":"shares","start":889.465,"end":889.965,"confidence":0.9719238,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.2872953414916992},{"word":"i'm","start":891.065,"end":891.54504,"confidence":0.98583984,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.345662921667099},{"word":"sort","start":891.54504,"end":891.78503,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2482336014509201},{"word":"of","start":891.78503,"end":891.945,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2886977791786194},{"word":"doing","start":891.945,"end":892.265,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.3619757890701294},{"word":"okay","start":892.265,"end":892.585,"confidence":0.9980469,"punctuated_word":"okay","sentiment":"positive","sentiment_score":0.36259421706199646},{"word":"with","start":892.585,"end":892.905,"confidence":0.7624512,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.2799881100654602},{"word":"like","start":892.905,"end":893.22504,"confidence":0.98828125,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2682324945926666},{"word":"take","start":893.22504,"end":893.465,"confidence":0.94384766,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.4079279899597168},{"word":"a","start":893.465,"end":893.54504,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3488290309906006},{"word":"lump","start":893.54504,"end":893.865,"confidence":0.9980469,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.3200739622116089},{"word":"sum","start":893.865,"end":894.10504,"confidence":0.99902344,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.31732937693595886},{"word":"out","start":894.10504,"end":894.265,"confidence":0.9921875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.3068010210990906},{"word":"of","start":894.265,"end":894.34503,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28888386487960815},{"word":"that","start":894.34503,"end":894.585,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26296335458755493},{"word":"once","start":894.585,"end":894.825,"confidence":0.99121094,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.28409576416015625},{"word":"a","start":894.825,"end":894.98505,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2336043417453766},{"word":"year","start":894.98505,"end":895.48505,"confidence":0.9724121,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.22781187295913696},{"word":"which","start":897.35004,"end":897.59,"confidence":0.9892578,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.32227233052253723},{"word":"i","start":897.59,"end":897.67004,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29934969544410706},{"word":"did","start":897.67004,"end":897.91003,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.2951853573322296},{"word":"last","start":897.91003,"end":898.23004,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.2222197651863098},{"word":"year","start":898.23004,"end":898.39,"confidence":0.9428711,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.2587737441062927},{"word":"i","start":898.39,"end":898.47003,"confidence":0.9707031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2731151878833771},{"word":"put","start":898.47003,"end":898.63,"confidence":0.9326172,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2550976872444153},{"word":"another","start":898.63,"end":899.03,"confidence":0.99609375,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.18146935105323792},{"word":"5,000","start":899.03,"end":899.59,"confidence":1.0,"punctuated_word":"5,000","sentiment":"neutral","sentiment_score":0.2517561912536621},{"word":"or","start":899.59,"end":899.75,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2151331603527069},{"word":"something","start":899.75,"end":900.07,"confidence":0.71325684,"punctuated_word":"something,","sentiment":"neutral","sentiment_score":0.15826986730098724},{"word":"and","start":900.07,"end":900.15,"confidence":0.8569336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11465318500995636},{"word":"i","start":900.15,"end":900.23004,"confidence":0.84472656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10717417299747468},{"word":"can't","start":900.23004,"end":900.47003,"confidence":0.9904785,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.07438762485980988},{"word":"remember","start":900.47003,"end":900.87006,"confidence":0.52246094,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.07354091852903366},{"word":"exactly","start":900.87006,"end":901.35004,"confidence":0.7727051,"punctuated_word":"exactly,","sentiment":"neutral","sentiment_score":0.09394843876361848},{"word":"but","start":901.35004,"end":901.85004,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1531098186969757},{"word":"i","start":902.31,"end":902.47003,"confidence":0.9633789,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.38583070039749146},{"word":"plan","start":902.47003,"end":902.79004,"confidence":0.9760742,"punctuated_word":"plan","sentiment":"positive","sentiment_score":0.44069162011146545},{"word":"to","start":902.79004,"end":902.87006,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4699656665325165},{"word":"do","start":902.87006,"end":903.03,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4432118833065033},{"word":"the","start":903.03,"end":903.19,"confidence":0.8774414,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4442113935947418},{"word":"same","start":903.19,"end":903.43005,"confidence":0.98828125,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.4099494218826294},{"word":"this","start":903.43005,"end":903.67004,"confidence":0.94921875,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3488291800022125},{"word":"year","start":903.67004,"end":903.91003,"confidence":0.99853516,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.33407145738601685},{"word":"so","start":903.91003,"end":904.15,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2129092663526535},{"word":"ideally","start":904.15,"end":904.65,"confidence":0.74731445,"punctuated_word":"ideally,","sentiment":"neutral","sentiment_score":0.26565390825271606},{"word":"you","start":905.91003,"end":906.07,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2245027720928192},{"word":"know","start":906.07,"end":906.39,"confidence":0.9680176,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1797274947166443},{"word":"say","start":906.39,"end":906.55005,"confidence":0.51660156,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.2614768147468567},{"word":"i'm","start":906.55005,"end":906.71,"confidence":0.9001465,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.18139898777008057},{"word":"putting","start":906.71,"end":907.03,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.15823835134506226},{"word":"in","start":907.03,"end":907.27,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14713215827941897},{"word":"35","start":907.27,"end":908.17004,"confidence":0.93237305,"punctuated_word":"35,","sentiment":"neutral","sentiment_score":0.16650792956352234},{"word":"then","start":908.39,"end":908.89,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09446677565574646},{"word":"what's","start":910.955,"end":911.275,"confidence":0.7915039,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.06507641077041626},{"word":"the","start":911.275,"end":911.435,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05409917235374451},{"word":"cap","start":911.435,"end":911.675,"confidence":0.9951172,"punctuated_word":"cap","sentiment":"neutral","sentiment_score":0.12030942738056184},{"word":"now","start":911.675,"end":911.915,"confidence":0.97143555,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.026257773861289024},{"word":"is","start":911.915,"end":912.075,"confidence":0.9892578,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.011955756694078444},{"word":"it","start":912.075,"end":912.235,"confidence":0.80810547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02889367938041687},{"word":"32","start":912.235,"end":912.97504,"confidence":0.9987793,"punctuated_word":"32?","sentiment":"neutral","sentiment_score":0.04580613225698471},{"word":"yeah","start":916.715,"end":917.115,"confidence":0.98706055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15098339319229126},{"word":"and","start":917.115,"end":917.355,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10614746809005736},{"word":"say","start":917.355,"end":917.59503,"confidence":0.7216797,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.14624592661857605},{"word":"if","start":917.59503,"end":917.755,"confidence":0.88720703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1494695395231247},{"word":"i'm","start":917.755,"end":917.915,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.13736514747142792},{"word":"doing","start":917.915,"end":918.155,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.14330199360847473},{"word":"that","start":918.155,"end":918.47504,"confidence":0.9641113,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.13798633217811584},{"word":"at","start":918.47504,"end":918.555,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09567423164844512},{"word":"least","start":918.555,"end":918.795,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.07876422256231308},{"word":"that","start":918.795,"end":918.955,"confidence":0.9160156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15153077244758606},{"word":"covers","start":918.955,"end":919.355,"confidence":1.0,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.13921891152858734},{"word":"a","start":919.355,"end":919.435,"confidence":0.97998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1478906124830246},{"word":"portion","start":919.435,"end":919.835,"confidence":1.0,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.10033594071865082},{"word":"of","start":919.835,"end":920.075,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11946038901805878},{"word":"the","start":920.075,"end":920.555,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10588549077510834},{"word":"insurance","start":920.555,"end":921.055,"confidence":0.9658203,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":0.0900711715221405},{"word":"so","start":921.995,"end":922.495,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10706233978271484},{"word":"does","start":923.55,"end":923.79,"confidence":0.8886719,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.03646094352006912},{"word":"it","start":923.79,"end":923.95,"confidence":0.9760742,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.061359696090221405},{"word":"go","start":923.95,"end":924.11,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06819472461938858},{"word":"up","start":924.11,"end":924.27,"confidence":0.76660156,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.06335807591676712},{"word":"to","start":924.27,"end":924.35004,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.047112781554460526},{"word":"30%","start":924.35004,"end":924.99,"confidence":0.97875977,"punctuated_word":"30%","sentiment":"neutral","sentiment_score":0.08929307013750076},{"word":"after","start":924.99,"end":925.23,"confidence":0.9951172,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.036827776581048965},{"word":"that","start":925.23,"end":925.73,"confidence":0.9914551,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.03564057499170303},{"word":"yeah","start":935.47003,"end":935.97003,"confidence":0.9411621,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028402389958500866},{"word":"we","start":936.03,"end":936.19,"confidence":0.80810547,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.05519120395183563},{"word":"have","start":936.19,"end":936.51,"confidence":0.9770508,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06464704871177673},{"word":"got","start":936.51,"end":936.915,"confidence":0.82177734,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08336479961872101},{"word":"i","start":937.475,"end":937.63495,"confidence":0.96777344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04354243725538254},{"word":"probably","start":937.63495,"end":938.035,"confidence":0.9921875,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.03250397741794586},{"word":"have","start":938.035,"end":938.195,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0388181209564209},{"word":"got","start":938.195,"end":938.695,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05447503924369812},{"word":"some","start":939.875,"end":940.115,"confidence":0.9243164,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.020112812519073486},{"word":"lay","start":940.115,"end":940.355,"confidence":0.5214844,"punctuated_word":"lay","sentiment":"neutral","sentiment_score":0.07815732806921005},{"word":"low","start":940.355,"end":940.595,"confidence":0.81347656,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.019609898328781128},{"word":"leeway","start":940.675,"end":940.995,"confidence":0.87353516,"punctuated_word":"leeway","sentiment":"neutral","sentiment_score":0.03842378407716751},{"word":"there","start":940.995,"end":941.315,"confidence":0.7663574,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03409113362431526},{"word":"but","start":941.315,"end":941.555,"confidence":0.9838867,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.014355208724737167},{"word":"do","start":941.555,"end":941.71497,"confidence":0.9838867,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.006698779761791229},{"word":"you","start":941.71497,"end":941.875,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02754758670926094},{"word":"do","start":941.875,"end":942.035,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04001126438379288},{"word":"that","start":942.035,"end":942.27496,"confidence":0.7269287,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.031216196715831757},{"word":"or","start":942.27496,"end":942.435,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01287686824798584},{"word":"is","start":942.435,"end":942.595,"confidence":0.82958984,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.001164548099040985},{"word":"my","start":942.595,"end":942.83496,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.029327064752578735},{"word":"account","start":942.83496,"end":943.07495,"confidence":0.9892578,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.03654436767101288},{"word":"gonna","start":943.07495,"end":943.57495,"confidence":0.5917969,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.013793520629405975},{"word":"put","start":944.355,"end":944.51495,"confidence":0.9633789,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.008310381323099136},{"word":"that","start":944.51495,"end":945.01495,"confidence":0.95214844,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.09041465818881989},{"word":"yeah","start":945.875,"end":946.375,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13533464074134827},{"word":"yeah","start":962.27997,"end":962.68,"confidence":0.85595703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23295700550079343},{"word":"i","start":962.68,"end":962.83997,"confidence":0.9428711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27803510427474976},{"word":"think","start":962.83997,"end":963.16,"confidence":0.8720703,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.2719021141529083},{"word":"grab","start":963.16,"end":963.32,"confidence":0.91748047,"punctuated_word":"grab","sentiment":"neutral","sentiment_score":0.3041178286075592},{"word":"it","start":963.32,"end":963.72,"confidence":0.96435547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.27173253893852234},{"word":"grab","start":963.72,"end":963.88,"confidence":0.89501953,"punctuated_word":"grab","sentiment":"neutral","sentiment_score":0.26629066467285156},{"word":"it","start":963.88,"end":964.12,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2798408567905426},{"word":"later","start":964.12,"end":964.6,"confidence":0.8991699,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.27931511402130127},{"word":"is","start":964.6,"end":964.68,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.14935338497161865},{"word":"that","start":964.68,"end":964.83997,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2433154433965683},{"word":"something","start":964.83997,"end":965.24,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.2474186271429062},{"word":"we","start":965.24,"end":965.39996,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2224913090467453},{"word":"have","start":965.39996,"end":965.56,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1228179857134819},{"word":"to","start":965.56,"end":965.72,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1822429001331329},{"word":"do","start":965.72,"end":965.88,"confidence":0.9375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17475301027297974},{"word":"before","start":965.88,"end":966.375,"confidence":0.42041016,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.15218496322631836},{"word":"the","start":966.535,"end":966.775,"confidence":0.5180664,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17964720726013184},{"word":"end","start":966.775,"end":966.855,"confidence":0.9951172,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.23335853219032288},{"word":"of","start":966.855,"end":966.935,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2535321116447449},{"word":"the","start":966.935,"end":967.015,"confidence":0.46801758,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21837137639522552},{"word":"next","start":967.015,"end":967.335,"confidence":0.5761719,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.13976263999938965},{"word":"year","start":967.335,"end":967.575,"confidence":0.9536133,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.19727647304534912},{"word":"or","start":967.575,"end":967.975,"confidence":0.52197266,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2024397850036621},{"word":"after","start":967.975,"end":968.375,"confidence":0.62841797,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.17680205404758453},{"word":"is","start":968.375,"end":968.615,"confidence":0.51904297,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20241111516952515},{"word":"fine","start":968.615,"end":969.115,"confidence":0.9868164,"punctuated_word":"fine?","sentiment":"neutral","sentiment_score":0.3094262480735779},{"word":"yeah","start":973.015,"end":973.515,"confidence":0.92749023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.053555432707071304},{"word":"yeah","start":979.35004,"end":979.75,"confidence":0.7668457,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03729171305894852},{"word":"i","start":979.75,"end":979.91003,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0646798387169838},{"word":"mean","start":979.91003,"end":980.07,"confidence":0.91552734,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.03834733366966248},{"word":"that's","start":980.07,"end":980.39,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0232391320168972},{"word":"yeah","start":980.55,"end":980.95,"confidence":0.98168945,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.02512575313448906},{"word":"i","start":980.95,"end":981.03,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.028508327901363373},{"word":"get","start":981.03,"end":981.35004,"confidence":0.9951172,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08234083652496338},{"word":"it","start":981.35004,"end":981.51,"confidence":0.9797363,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.01783086732029915},{"word":"so","start":981.51,"end":982.01,"confidence":0.9892578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0367363765835762},{"word":"i'd","start":982.55,"end":982.79004,"confidence":0.96118164,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.07929228246212006},{"word":"be","start":982.79004,"end":982.95,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13682542741298676},{"word":"well","start":982.95,"end":983.27,"confidence":0.9951172,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.11529697477817535},{"word":"under","start":983.27,"end":983.59,"confidence":0.9819336,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.051291123032569885},{"word":"that","start":983.59,"end":984.09,"confidence":0.95410156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08206969499588013},{"word":"sort","start":984.15,"end":984.39,"confidence":0.92333984,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1691833734512329},{"word":"of","start":984.39,"end":984.47003,"confidence":0.93115234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16769638657569885},{"word":"cap","start":984.47003,"end":984.79004,"confidence":0.99121094,"punctuated_word":"cap","sentiment":"neutral","sentiment_score":-0.1479119509458542},{"word":"anyway","start":984.79004,"end":985.19,"confidence":0.9428711,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":-0.11261686682701112},{"word":"for","start":985.19,"end":985.35004,"confidence":0.9658203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09563395380973816},{"word":"the","start":985.35004,"end":985.51,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08739704638719559},{"word":"last","start":985.51,"end":985.75,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.08154606819152832},{"word":"five","start":985.75,"end":986.07,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.04712233692407608},{"word":"years","start":986.07,"end":986.47003,"confidence":0.9433594,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.05430595576763153},{"word":"so","start":986.47003,"end":986.97003,"confidence":0.9538574,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.08894412219524384},{"word":"you","start":988.71,"end":988.95,"confidence":0.9248047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023844633251428604},{"word":"know","start":988.95,"end":989.19,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.032712988555431366},{"word":"probably","start":989.19,"end":989.59,"confidence":0.5366211,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.015149548649787905},{"word":"we'll","start":989.59,"end":989.83,"confidence":0.66186523,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.015336675569415092},{"word":"only","start":989.83,"end":990.15,"confidence":0.91503906,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.03306809812784195},{"word":"get","start":990.15,"end":990.31,"confidence":0.99316406,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0022519677877426147},{"word":"to","start":990.31,"end":990.47003,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.030699901282787323},{"word":"the","start":990.47003,"end":990.71,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.057308804243803024},{"word":"30","start":990.71,"end":991.11,"confidence":0.99902344,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.09065653383731842},{"word":"this","start":991.11,"end":991.35004,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.062284670770168304},{"word":"year","start":991.35004,"end":991.85004,"confidence":0.8679199,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.05704127997159958},{"word":"but","start":992.465,"end":992.78503,"confidence":0.9921875,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0497843399643898},{"word":"we'll","start":992.78503,"end":992.945,"confidence":0.99609375,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.04982711374759674},{"word":"look","start":992.945,"end":993.10504,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05774536728858948},{"word":"at","start":993.10504,"end":993.265,"confidence":0.98095703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04055299609899521},{"word":"it","start":993.265,"end":993.30505,"confidence":0.5567627,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.05895967781543732},{"word":"i","start":993.30505,"end":993.34503,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08366101235151291},{"word":"suppose","start":993.34503,"end":993.825,"confidence":0.99560547,"punctuated_word":"suppose,","sentiment":"neutral","sentiment_score":0.0877300351858139},{"word":"in","start":993.825,"end":993.98505,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06089261174201965},{"word":"the","start":993.98505,"end":994.145,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11521752178668976},{"word":"next","start":994.145,"end":994.385,"confidence":0.9980469,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07380810379981995},{"word":"financial","start":994.385,"end":994.885,"confidence":0.9851074,"punctuated_word":"financial.","sentiment":"neutral","sentiment_score":0.04999196156859398},{"word":"yep","start":1005.265,"end":1005.765,"confidence":0.96191406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07287552952766418},{"word":"yep","start":1007.99005,"end":1008.49005,"confidence":0.9758301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11064960062503816},{"word":"yep","start":1011.51,"end":1012.01,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05446904897689819},{"word":"yep","start":1012.79004,"end":1013.29004,"confidence":0.99194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04618535935878754},{"word":"so","start":1014.39,"end":1014.71,"confidence":0.9448242,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004907542839646339},{"word":"did","start":1014.71,"end":1014.87,"confidence":0.78222656,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.0007649511098861694},{"word":"that","start":1014.87,"end":1015.11005,"confidence":0.9482422,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.011852050200104712},{"word":"come","start":1015.11005,"end":1015.35004,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.022247452288866043},{"word":"off","start":1015.35004,"end":1015.67004,"confidence":0.7183838,"punctuated_word":"off?","sentiment":"neutral","sentiment_score":-0.015898050740361214},{"word":"does","start":1015.67004,"end":1015.91003,"confidence":0.7783203,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.0186670683324337},{"word":"that","start":1015.91003,"end":1016.07,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02250150591135025},{"word":"come","start":1016.07,"end":1016.31,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.027713915333151817},{"word":"sorry","start":1016.55005,"end":1017.05005,"confidence":0.8774414,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.041661642491817474},{"word":"so","start":1017.27,"end":1017.43,"confidence":0.49902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03598037734627724},{"word":"i'm","start":1017.43,"end":1017.59,"confidence":0.5058594,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02399013005197048},{"word":"does","start":1017.67004,"end":1017.83,"confidence":0.6767578,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.022507991641759872},{"word":"that","start":1017.83,"end":1017.99005,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.029277771711349487},{"word":"come","start":1017.99005,"end":1018.31,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.033926449716091156},{"word":"off","start":1018.31,"end":1018.47003,"confidence":0.9863281,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.03252289816737175},{"word":"the","start":1018.47003,"end":1018.71,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.038124337792396545},{"word":"so","start":1019.255,"end":1019.415,"confidence":0.9790039,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.040054015815258026},{"word":"it","start":1019.415,"end":1019.575,"confidence":0.63720703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.039611201733350754},{"word":"says","start":1019.575,"end":1020.055,"confidence":0.9760742,"punctuated_word":"says","sentiment":"neutral","sentiment_score":-0.02924039214849472},{"word":"i'll","start":1020.055,"end":1020.21497,"confidence":0.6875,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.03607373684644699},{"word":"put","start":1020.21497,"end":1020.455,"confidence":0.9951172,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.031366508454084396},{"word":"in","start":1020.455,"end":1020.695,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.032402873039245605},{"word":"32","start":1020.695,"end":1021.435,"confidence":0.9995117,"punctuated_word":"32","sentiment":"neutral","sentiment_score":-0.031837839633226395},{"word":"for","start":1022.375,"end":1022.875,"confidence":0.49609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0347423329949379},{"word":"for","start":1023.575,"end":1023.735,"confidence":0.8984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.030602464452385902},{"word":"for","start":1023.735,"end":1023.815,"confidence":0.67529297,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04765210300683975},{"word":"argument","start":1023.815,"end":1024.295,"confidence":0.66015625,"punctuated_word":"argument,","sentiment":"neutral","sentiment_score":-0.05896735563874245},{"word":"say","start":1024.295,"end":1024.535,"confidence":0.89941406,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.05774184316396713},{"word":"5,000","start":1024.535,"end":1025.335,"confidence":0.99609375,"punctuated_word":"5,000","sentiment":"neutral","sentiment_score":-0.030110348016023636},{"word":"in","start":1025.335,"end":1025.655,"confidence":0.9770508,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05437127873301506},{"word":"insurances","start":1025.655,"end":1026.155,"confidence":0.86051434,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":-0.05389886349439621},{"word":"does","start":1026.295,"end":1026.615,"confidence":0.97802734,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.04326661676168442},{"word":"that","start":1026.615,"end":1026.695,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05052729323506355},{"word":"come","start":1026.695,"end":1026.9349,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.04840889945626259},{"word":"off","start":1026.9349,"end":1027.175,"confidence":0.99609375,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.05843765288591385},{"word":"the","start":1027.175,"end":1027.335,"confidence":0.90283203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05953306704759598},{"word":"32","start":1027.335,"end":1027.815,"confidence":0.9942627,"punctuated_word":"32?","sentiment":"neutral","sentiment_score":-0.049789637327194214},{"word":"do","start":1027.815,"end":1027.895,"confidence":0.9970703,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.05300267040729523},{"word":"you","start":1027.895,"end":1027.975,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.046976614743471146},{"word":"know","start":1027.975,"end":1028.135,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.04713623970746994},{"word":"what","start":1028.135,"end":1028.375,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05930091813206673},{"word":"i","start":1028.375,"end":1028.455,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.054657384753227234},{"word":"mean","start":1028.455,"end":1028.955,"confidence":0.9975586,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":-0.04149211570620537},{"word":"okay","start":1041.91,"end":1042.31,"confidence":0.7133789,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01536630280315876},{"word":"alright","start":1042.31,"end":1042.81,"confidence":0.97680664,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.08632275462150574},{"word":"alright","start":1042.87,"end":1043.37,"confidence":0.859375,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1842929571866989},{"word":"it's","start":1044.035,"end":1044.355,"confidence":0.9321289,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.27341341972351074},{"word":"okay","start":1044.355,"end":1044.855,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.26892179250717163},{"word":"i","start":1045.155,"end":1045.395,"confidence":0.86279297,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11779487133026124},{"word":"i","start":1045.395,"end":1045.475,"confidence":0.66259766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07896574586629868},{"word":"think","start":1045.475,"end":1045.715,"confidence":0.92333984,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.07482528686523438},{"word":"i","start":1045.715,"end":1045.875,"confidence":0.9370117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10021740198135376},{"word":"will","start":1045.875,"end":1046.035,"confidence":0.93359375,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.10939635336399078},{"word":"have","start":1046.035,"end":1046.195,"confidence":0.9194336,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.119534932076931},{"word":"some","start":1046.195,"end":1046.355,"confidence":0.6538086,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08291775733232498},{"word":"leeway","start":1046.355,"end":1046.755,"confidence":0.95336914,"punctuated_word":"leeway","sentiment":"neutral","sentiment_score":0.13055559992790222},{"word":"with","start":1046.755,"end":1046.9149,"confidence":0.67529297,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09432338923215866},{"word":"that","start":1046.9149,"end":1047.075,"confidence":0.87890625,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.09417832642793655},{"word":"yeah","start":1047.075,"end":1047.575,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1778053641319275},{"word":"i","start":1047.7949,"end":1047.875,"confidence":0.9291992,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21174302697181704},{"word":"will","start":1047.875,"end":1048.115,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.25667494535446167},{"word":"have","start":1048.115,"end":1048.275,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20884516835212708},{"word":"some","start":1048.275,"end":1048.515,"confidence":0.9863281,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.13834860920906067},{"word":"leeway","start":1048.515,"end":1048.835,"confidence":0.99902344,"punctuated_word":"leeway","sentiment":"neutral","sentiment_score":0.1975010633468628},{"word":"with","start":1048.835,"end":1048.995,"confidence":0.99316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10770998150110243},{"word":"that","start":1048.995,"end":1049.155,"confidence":0.9790039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11402670294046402},{"word":"last","start":1049.155,"end":1049.395,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.04423796385526657},{"word":"five","start":1049.395,"end":1049.635,"confidence":0.9199219,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.09603381901979446},{"word":"years","start":1049.635,"end":1049.875,"confidence":0.79467773,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.1268753707408905},{"word":"so","start":1049.875,"end":1050.035,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.16430719196796417},{"word":"that's","start":1050.035,"end":1050.275,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.15528228878974917},{"word":"okay","start":1050.275,"end":1050.775,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.19169625639915464},{"word":"yep","start":1050.9149,"end":1051.4149,"confidence":0.9885254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24636289477348328},{"word":"yeah","start":1054.835,"end":1055.335,"confidence":0.9350586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0005267467349767685},{"word":"yeah","start":1055.395,"end":1055.895,"confidence":0.9362793,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.027001721784472466},{"word":"yep","start":1062.0,"end":1062.48,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1030263751745224},{"word":"yep","start":1062.48,"end":1062.98,"confidence":0.79052734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10097341239452362},{"word":"yep","start":1065.84,"end":1066.34,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05594446510076523},{"word":"yeah","start":1073.2949,"end":1073.7949,"confidence":0.9304199,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05417271703481674},{"word":"i'm","start":1073.855,"end":1074.015,"confidence":0.6989746,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.060889117419719696},{"word":"also","start":1074.015,"end":1074.255,"confidence":0.74365234,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.05368854850530624},{"word":"doing","start":1074.255,"end":1074.755,"confidence":0.9892578,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.04249265044927597},{"word":"four","start":1074.895,"end":1075.135,"confidence":0.9790039,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.06234351545572281},{"word":"yeah","start":1075.535,"end":1075.9349,"confidence":0.9736328,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.029435373842716217},{"word":"i'm","start":1075.9349,"end":1076.095,"confidence":0.9890137,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0031004631891846657},{"word":"doing","start":1076.095,"end":1076.4149,"confidence":0.99609375,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.00665205717086792},{"word":"400","start":1076.4149,"end":1076.975,"confidence":0.99902344,"punctuated_word":"400","sentiment":"neutral","sentiment_score":-0.008249831385910511},{"word":"a","start":1076.975,"end":1077.135,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.007634894456714392},{"word":"month","start":1077.135,"end":1077.375,"confidence":0.99902344,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.011999573558568954},{"word":"as","start":1077.375,"end":1077.535,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.007517412304878235},{"word":"well","start":1077.535,"end":1077.855,"confidence":0.9736328,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.02121691405773163},{"word":"i","start":1077.855,"end":1077.9349,"confidence":0.92089844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09634358435869216},{"word":"don't","start":1077.9349,"end":1078.1749,"confidence":0.767334,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07536008208990097},{"word":"know","start":1078.1749,"end":1078.335,"confidence":0.97314453,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.11529284715652466},{"word":"why","start":1078.335,"end":1078.455,"confidence":0.9921875,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.11297067999839784},{"word":"i","start":1078.455,"end":1078.575,"confidence":0.84228516,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11136952042579652},{"word":"did","start":1078.575,"end":1078.815,"confidence":0.81933594,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.11785288900136948},{"word":"that","start":1078.815,"end":1078.975,"confidence":0.8852539,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.09578760713338852},{"word":"but","start":1078.975,"end":1079.475,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.10460981726646423},{"word":"i","start":1079.615,"end":1079.695,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.095427043735981},{"word":"think","start":1079.695,"end":1079.9349,"confidence":0.9970703,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.09382325410842896},{"word":"i","start":1079.9349,"end":1080.095,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1379593014717102},{"word":"missed","start":1080.095,"end":1080.495,"confidence":0.5761719,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":-0.1287597268819809},{"word":"the","start":1080.495,"end":1080.815,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.122589610517025},{"word":"direct","start":1080.815,"end":1081.135,"confidence":0.83203125,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":-0.1217147558927536},{"word":"debit","start":1081.135,"end":1081.375,"confidence":0.50805664,"punctuated_word":"debit.","sentiment":"neutral","sentiment_score":-0.11411530524492264},{"word":"so","start":1081.375,"end":1081.535,"confidence":0.9819336,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09206100553274156},{"word":"there's","start":1081.535,"end":1081.695,"confidence":0.8745117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.06637907028198242},{"word":"there","start":1081.775,"end":1082.015,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.047532208263874054},{"word":"is","start":1082.015,"end":1082.255,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04609105363488197},{"word":"500","start":1082.255,"end":1082.735,"confidence":0.9814453,"punctuated_word":"500","sentiment":"neutral","sentiment_score":-0.03607947006821632},{"word":"going","start":1082.735,"end":1083.0549,"confidence":0.78027344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.041115518659353256},{"word":"in","start":1083.0549,"end":1083.33,"confidence":0.95703125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04545663669705391},{"word":"because","start":1083.33,"end":1083.49,"confidence":0.98095703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04010527208447456},{"word":"there's","start":1083.49,"end":1083.6499,"confidence":0.9909668,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.05921162664890289},{"word":"an","start":1083.6499,"end":1083.8099,"confidence":0.99316406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.050164759159088135},{"word":"extra","start":1083.8099,"end":1084.2899,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.06733980029821396},{"word":"400","start":1084.2899,"end":1085.0299,"confidence":1.0,"punctuated_word":"400","sentiment":"neutral","sentiment_score":-0.050760675221681595},{"word":"going","start":1086.37,"end":1086.69,"confidence":0.84472656,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.0693962574005127},{"word":"in","start":1086.69,"end":1086.85,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04664119333028793},{"word":"once","start":1086.85,"end":1087.29,"confidence":0.76464844,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.06278366595506668},{"word":"a","start":1087.29,"end":1087.73,"confidence":0.93847656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05086854100227356},{"word":"month","start":1087.73,"end":1087.97,"confidence":0.96313477,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.05308173596858978},{"word":"so","start":1087.97,"end":1088.01,"confidence":0.7915039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00024860724806785583},{"word":"yeah","start":1088.0499,"end":1088.45,"confidence":0.99658203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.005410333164036274},{"word":"yeah","start":1088.45,"end":1088.95,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029533935710787773},{"word":"i","start":1090.85,"end":1091.01,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03365463390946388},{"word":"should","start":1091.01,"end":1091.25,"confidence":0.9980469,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.03400101140141487},{"word":"just","start":1091.25,"end":1091.49,"confidence":0.9873047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.032636724412441254},{"word":"change","start":1091.49,"end":1091.8099,"confidence":0.9472656,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.023210804909467697},{"word":"that","start":1091.8099,"end":1092.0499,"confidence":0.5891113,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.012769987806677818},{"word":"do","start":1092.0499,"end":1092.2899,"confidence":0.31054688,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0111892931163311},{"word":"that","start":1092.2899,"end":1092.5299,"confidence":0.5169678,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.0008435826748609543},{"word":"just","start":1092.5299,"end":1092.85,"confidence":0.43798828,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.025455806404352188},{"word":"because","start":1093.09,"end":1093.4099,"confidence":0.9873047,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.02613517828285694},{"word":"why","start":1093.4099,"end":1093.57,"confidence":0.34594727,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.03243521600961685},{"word":"why","start":1093.57,"end":1093.8099,"confidence":0.95947266,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.037013839930295944},{"word":"i","start":1093.89,"end":1094.37,"confidence":0.6352539,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07383544743061066},{"word":"canceled","start":1094.37,"end":1094.85,"confidence":0.4116211,"punctuated_word":"canceled","sentiment":"neutral","sentiment_score":-0.11243297159671783},{"word":"it","start":1094.85,"end":1094.9299,"confidence":0.46704102,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1123909428715706},{"word":"for","start":1094.9299,"end":1095.09,"confidence":0.9394531,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.13855677843093872},{"word":"some","start":1095.09,"end":1095.25,"confidence":0.9160156,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.1222364902496338},{"word":"reason","start":1095.25,"end":1095.57,"confidence":0.67041016,"punctuated_word":"reason,","sentiment":"neutral","sentiment_score":-0.08567175269126892},{"word":"and","start":1095.57,"end":1095.73,"confidence":0.4741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08128821849822998},{"word":"then","start":1095.73,"end":1095.8099,"confidence":0.8359375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.05622490495443344},{"word":"when","start":1095.8099,"end":1095.97,"confidence":0.6230469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0754680410027504},{"word":"i","start":1095.97,"end":1096.0499,"confidence":0.90527344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07832175493240356},{"word":"should","start":1096.0499,"end":1096.2899,"confidence":0.3251953,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.06079038977622986},{"word":"have","start":1096.2899,"end":1096.45,"confidence":0.35107422,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.050678886473178864},{"word":"did","start":1096.45,"end":1096.61,"confidence":0.21960449,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.07218679040670395},{"word":"then","start":1096.85,"end":1097.01,"confidence":0.5439453,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0492171086370945},{"word":"i","start":1097.01,"end":1097.09,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0705040991306305},{"word":"just","start":1097.09,"end":1097.33,"confidence":0.9790039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06043190881609917},{"word":"kept","start":1097.33,"end":1097.6499,"confidence":0.97998047,"punctuated_word":"kept","sentiment":"neutral","sentiment_score":-0.07984711229801178},{"word":"that","start":1097.6499,"end":1097.89,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0754331722855568},{"word":"once","start":1097.89,"end":1098.21,"confidence":0.9873047,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.05922551453113556},{"word":"a","start":1098.21,"end":1098.2899,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.047425150871276855},{"word":"month","start":1098.2899,"end":1098.645,"confidence":0.9604492,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.05691787600517273},{"word":"some","start":1098.805,"end":1098.965,"confidence":1.0,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":-0.07972745597362518},{"word":"reason","start":1098.965,"end":1099.0449,"confidence":0.94311523,"punctuated_word":"reason,","sentiment":"neutral","sentiment_score":-0.0917827934026718},{"word":"it","start":1099.0449,"end":1099.125,"confidence":0.85839844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13776251673698425},{"word":"was","start":1099.125,"end":1099.285,"confidence":0.96875,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1341816782951355},{"word":"going","start":1099.285,"end":1099.605,"confidence":0.9921875,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.1429667770862579},{"word":"out","start":1099.605,"end":1099.685,"confidence":0.8305664,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.15916500985622406},{"word":"once","start":1099.685,"end":1099.925,"confidence":0.99609375,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.14305371046066284},{"word":"a","start":1099.925,"end":1100.005,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12327612936496736},{"word":"month","start":1100.005,"end":1100.245,"confidence":0.72717285,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":-0.10935083776712418},{"word":"and","start":1100.245,"end":1100.325,"confidence":0.7758789,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10951860249042512},{"word":"i","start":1100.325,"end":1100.405,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14151541888713837},{"word":"was","start":1100.405,"end":1100.485,"confidence":0.9892578,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.11877019703388214},{"word":"like","start":1100.485,"end":1100.725,"confidence":0.9069824,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1197495460510254},{"word":"oh","start":1100.725,"end":1100.965,"confidence":0.8859863,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.1416834592819214},{"word":"no","start":1100.965,"end":1101.465,"confidence":0.9941406,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.15347322821617126},{"word":"so","start":1101.605,"end":1101.845,"confidence":0.8671875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1040162444114685},{"word":"i","start":1101.845,"end":1102.245,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08331038057804108},{"word":"i","start":1102.245,"end":1102.3251,"confidence":0.8125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09335297346115112},{"word":"just","start":1102.3251,"end":1102.5651,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09064216166734695},{"word":"kept","start":1102.5651,"end":1102.805,"confidence":0.9902344,"punctuated_word":"kept","sentiment":"neutral","sentiment_score":-0.10227442532777786},{"word":"that","start":1102.805,"end":1103.045,"confidence":0.9230957,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.11082371324300766},{"word":"but","start":1103.045,"end":1103.285,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0909535437822342},{"word":"i","start":1103.285,"end":1103.525,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10964256525039671},{"word":"still","start":1103.525,"end":1103.685,"confidence":0.45458984,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.10213792324066162},{"word":"do","start":1103.685,"end":1103.925,"confidence":0.39135742,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1191554069519043},{"word":"the","start":1103.925,"end":1104.085,"confidence":0.93408203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1193455383181572},{"word":"400","start":1104.085,"end":1104.5651,"confidence":0.9576416,"punctuated_word":"400.","sentiment":"neutral","sentiment_score":-0.11444982886314392},{"word":"so","start":1104.5651,"end":1104.725,"confidence":0.92822266,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1255977749824524},{"word":"it","start":1104.725,"end":1104.805,"confidence":0.65771484,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1341177523136139},{"word":"is","start":1104.805,"end":1104.965,"confidence":0.96972656,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1419360339641571},{"word":"400","start":1104.965,"end":1105.525,"confidence":0.7729492,"punctuated_word":"400","sentiment":"neutral","sentiment_score":-0.14382970333099365},{"word":"away","start":1105.525,"end":1105.845,"confidence":0.83374023,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":-0.09162623435258864},{"word":"yeah","start":1105.845,"end":1106.345,"confidence":0.96972656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.027988087385892868},{"word":"i","start":1117.99,"end":1118.07,"confidence":0.55859375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07350870966911316},{"word":"think","start":1118.07,"end":1118.3099,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04584348946809769},{"word":"you","start":1118.3099,"end":1118.47,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03553758189082146},{"word":"guys","start":1118.47,"end":1118.71,"confidence":0.9951172,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.05158957466483116},{"word":"did","start":1118.71,"end":1118.95,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04328589513897896},{"word":"it","start":1118.95,"end":1119.03,"confidence":0.9790039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04351498931646347},{"word":"last","start":1119.03,"end":1119.35,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.04135775566101074},{"word":"year","start":1119.35,"end":1119.67,"confidence":0.8479004,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.0938863679766655},{"word":"so","start":1119.67,"end":1119.99,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08851073682308197},{"word":"yeah","start":1120.07,"end":1120.57,"confidence":0.99365234,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1296711564064026},{"word":"yep","start":1126.6849,"end":1127.1849,"confidence":0.95751953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10451045632362366},{"word":"yeah","start":1152.165,"end":1152.405,"confidence":0.78515625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18971750140190125},{"word":"certainly","start":1152.405,"end":1152.905,"confidence":0.57128906,"punctuated_word":"Certainly","sentiment":"neutral","sentiment_score":0.2792532444000244},{"word":"did","start":1153.045,"end":1153.545,"confidence":0.96875,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":0.30810773372650146},{"word":"yeah","start":1159.765,"end":1160.085,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1907685548067093},{"word":"well","start":1160.085,"end":1160.245,"confidence":0.98706055,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.21948671340942383},{"word":"i'm","start":1160.245,"end":1160.325,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.22698327898979187},{"word":"doing","start":1160.325,"end":1160.645,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2323179543018341},{"word":"it","start":1160.645,"end":1160.725,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2270373702049255},{"word":"with","start":1160.725,"end":1160.965,"confidence":0.98095703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2060208022594452},{"word":"my","start":1160.965,"end":1161.125,"confidence":0.9140625,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.22203373908996585},{"word":"share","start":1161.125,"end":1161.365,"confidence":0.90625,"punctuated_word":"share","sentiment":"neutral","sentiment_score":0.24484410881996155},{"word":"account","start":1161.365,"end":1161.605,"confidence":0.7609863,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.20354285836219788},{"word":"i","start":1161.605,"end":1161.6849,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2870529592037201},{"word":"was","start":1161.6849,"end":1161.925,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.26077523827552795},{"word":"getting","start":1161.925,"end":1162.165,"confidence":0.9970703,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.29339900612831116},{"word":"40%","start":1162.165,"end":1162.885,"confidence":0.99902344,"punctuated_word":"40%","sentiment":"neutral","sentiment_score":0.2466474324464798},{"word":"when","start":1162.885,"end":1163.045,"confidence":0.9140625,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.22757279872894287},{"word":"i","start":1163.045,"end":1163.125,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2238616645336151},{"word":"was","start":1163.125,"end":1163.285,"confidence":0.8989258,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.16534309089183807},{"word":"thinking","start":1163.285,"end":1163.6849,"confidence":0.5776367,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.19194473326206207},{"word":"i","start":1163.6849,"end":1163.765,"confidence":0.9448242,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19838789105415344},{"word":"was","start":1163.765,"end":1163.925,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.15990817546844482},{"word":"a","start":1163.925,"end":1164.005,"confidence":0.9536133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23015543818473816},{"word":"bloody","start":1164.005,"end":1164.405,"confidence":0.99902344,"punctuated_word":"bloody","sentiment":"neutral","sentiment_score":0.2262186259031296},{"word":"genius","start":1164.405,"end":1164.905,"confidence":0.9970703,"punctuated_word":"genius.","sentiment":"neutral","sentiment_score":0.27378469705581665},{"word":"i","start":1165.81,"end":1165.97,"confidence":0.7089844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1533043086528778},{"word":"think","start":1165.97,"end":1166.05,"confidence":0.76660156,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.16378523409366608},{"word":"i","start":1166.05,"end":1166.13,"confidence":0.6972656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17850351333618164},{"word":"was","start":1166.13,"end":1166.53,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.17388755083084106},{"word":"warren","start":1166.53,"end":1166.85,"confidence":0.98828125,"punctuated_word":"Warren","sentiment":"neutral","sentiment_score":0.24863620102405548},{"word":"buffett","start":1166.85,"end":1167.17,"confidence":0.7480469,"punctuated_word":"Buffett,","sentiment":"neutral","sentiment_score":0.20795977115631104},{"word":"but","start":1167.17,"end":1167.3301,"confidence":0.9941406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12321151793003082},{"word":"now","start":1167.3301,"end":1167.49,"confidence":0.9951172,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.14543554186820984},{"word":"i'm","start":1167.49,"end":1167.73,"confidence":0.97802734,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.16754329204559326},{"word":"on","start":1167.73,"end":1167.89,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18431563675403595},{"word":"10%","start":1167.89,"end":1168.61,"confidence":0.97998047,"punctuated_word":"10%.","sentiment":"neutral","sentiment_score":0.15684321522712708},{"word":"so","start":1168.61,"end":1169.01,"confidence":0.74853516,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.13047721982002258},{"word":"anyway","start":1169.01,"end":1169.49,"confidence":0.9970703,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":0.1734219491481781},{"word":"i","start":1169.49,"end":1169.65,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1668131947517395},{"word":"get","start":1169.65,"end":1169.81,"confidence":0.98535156,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.18339064717292783},{"word":"it","start":1169.81,"end":1170.31,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1545182317495346},{"word":"yeah","start":1179.905,"end":1180.225,"confidence":0.7788086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07902354001998901},{"word":"i","start":1180.225,"end":1180.385,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18445280194282532},{"word":"think","start":1180.385,"end":1180.625,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.1471693068742752},{"word":"it's","start":1180.625,"end":1180.9451,"confidence":0.8845215,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2657480835914612},{"word":"it's","start":1180.9451,"end":1181.025,"confidence":0.75268555,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2773861885070801},{"word":"called","start":1181.025,"end":1181.265,"confidence":0.81152344,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.30785897374153137},{"word":"a","start":1181.265,"end":1181.345,"confidence":0.93847656,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4328393340110779},{"word":"shit","start":1181.345,"end":1181.665,"confidence":0.88183594,"punctuated_word":"shit","sentiment":"negative","sentiment_score":-0.5388748645782471},{"word":"sandwich","start":1181.665,"end":1182.145,"confidence":0.6374512,"punctuated_word":"sandwich,","sentiment":"negative","sentiment_score":-0.5048679113388062},{"word":"actually","start":1182.145,"end":1182.4651,"confidence":0.9616699,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":-0.04841814935207367},{"word":"tom","start":1182.4651,"end":1182.785,"confidence":0.7541504,"punctuated_word":"Tom.","sentiment":"neutral","sentiment_score":-0.06885199248790741},{"word":"but","start":1182.785,"end":1183.105,"confidence":0.9873047,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04022086039185524},{"word":"anyway","start":1183.105,"end":1183.5851,"confidence":0.6989746,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":-0.030136005952954292},{"word":"call","start":1183.5851,"end":1183.7451,"confidence":0.9267578,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.02801130712032318},{"word":"it","start":1183.7451,"end":1183.905,"confidence":0.8354492,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.009013395756483078},{"word":"what","start":1183.905,"end":1184.0651,"confidence":0.9921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03540896624326706},{"word":"you","start":1184.0651,"end":1184.305,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04709354043006897},{"word":"want","start":1184.305,"end":1184.805,"confidence":0.9970703,"punctuated_word":"want.","sentiment":"neutral","sentiment_score":-0.05864782631397247},{"word":"oh","start":1205.975,"end":1206.0549,"confidence":0.74072266,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.07060114294290543},{"word":"that's","start":1206.0549,"end":1206.455,"confidence":0.9880371,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.2167758196592331},{"word":"bad","start":1206.455,"end":1206.775,"confidence":0.59490967,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":-0.18410107493400577},{"word":"yeah","start":1206.775,"end":1207.1749,"confidence":0.98046875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0005930233746767044},{"word":"because","start":1207.1749,"end":1207.6749,"confidence":0.8256836,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.02050592750310898},{"word":"last","start":1208.0549,"end":1208.375,"confidence":0.84277344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.010638497769832613},{"word":"time","start":1208.375,"end":1208.5349,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.00013132765889167786},{"word":"i","start":1208.5349,"end":1208.695,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.025789368897676468},{"word":"heard","start":1208.695,"end":1208.9349,"confidence":0.9873047,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":-0.0009110681712627412},{"word":"it","start":1208.9349,"end":1209.015,"confidence":0.61376953,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.027967367321252823},{"word":"was","start":1209.015,"end":1209.1749,"confidence":0.9580078,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.01631077006459236},{"word":"9%","start":1209.1749,"end":1209.815,"confidence":0.8432617,"punctuated_word":"9%,","sentiment":"neutral","sentiment_score":0.028077831491827965},{"word":"and","start":1209.815,"end":1209.975,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00008083507418632507},{"word":"i","start":1209.975,"end":1210.0549,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005871564149856567},{"word":"was","start":1210.0549,"end":1210.215,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.014661945402622225},{"word":"like","start":1210.215,"end":1210.375,"confidence":0.90478516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0339089035987854},{"word":"oh","start":1210.375,"end":1210.695,"confidence":0.8881836,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.014620047993957996},{"word":"jeez","start":1210.695,"end":1211.195,"confidence":0.960612,"punctuated_word":"jeez.","sentiment":"neutral","sentiment_score":0.02482486329972744},{"word":"yep","start":1218.95,"end":1219.45,"confidence":0.94677734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08242650330066681},{"word":"yep","start":1219.99,"end":1220.49,"confidence":0.83813477,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07250836491584778},{"word":"yep","start":1223.51,"end":1223.75,"confidence":0.85131836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0682234838604927},{"word":"yeah","start":1223.75,"end":1224.1499,"confidence":0.77441406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11608442664146423},{"word":"that's","start":1224.1499,"end":1224.47,"confidence":0.9880371,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.24116691946983335},{"word":"cool","start":1224.47,"end":1224.97,"confidence":0.99072266,"punctuated_word":"cool.","sentiment":"neutral","sentiment_score":0.2269359827041626},{"word":"that's","start":1225.83,"end":1226.1499,"confidence":0.9099121,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0030090603977441788},{"word":"fine","start":1226.1499,"end":1226.6499,"confidence":0.84594727,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.003089942038059234},{"word":"yep","start":1229.205,"end":1229.705,"confidence":0.76708984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.07043901085853577},{"word":"yeah","start":1250.1901,"end":1250.51,"confidence":0.7976074,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010791003704071043},{"word":"because","start":1250.51,"end":1250.91,"confidence":0.9760742,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.014168042689561844},{"word":"that's","start":1250.91,"end":1251.15,"confidence":0.99609375,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.011653783731162548},{"word":"what","start":1251.15,"end":1251.39,"confidence":0.9770508,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01184968650341034},{"word":"i've","start":1251.39,"end":1251.55,"confidence":0.904541,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.03533756360411644},{"word":"that's","start":1252.1901,"end":1252.51,"confidence":0.99560547,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.03847324475646019},{"word":"all","start":1252.51,"end":1252.75,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.018974043428897858},{"word":"i","start":1252.75,"end":1252.91,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04314865171909332},{"word":"do","start":1252.91,"end":1253.39,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05899723619222641},{"word":"every","start":1253.39,"end":1253.7101,"confidence":0.78271484,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.08408800512552261},{"word":"day","start":1253.7101,"end":1253.9501,"confidence":0.9980469,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.07708221673965454},{"word":"is","start":1253.9501,"end":1254.11,"confidence":0.8041992,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.030872266739606857},{"word":"just","start":1254.11,"end":1254.3501,"confidence":0.984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0395202711224556},{"word":"listen","start":1254.3501,"end":1254.75,"confidence":0.9580078,"punctuated_word":"listen","sentiment":"neutral","sentiment_score":0.03887784853577614},{"word":"to","start":1254.75,"end":1254.8301,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04965042322874069},{"word":"podcast","start":1254.8301,"end":1255.3301,"confidence":0.546875,"punctuated_word":"podcast","sentiment":"neutral","sentiment_score":0.032531075179576874},{"word":"about","start":1255.39,"end":1255.63,"confidence":0.8408203,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.043549515306949615},{"word":"it","start":1255.63,"end":1255.79,"confidence":0.7232666,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.024085909128189087},{"word":"and","start":1255.79,"end":1256.03,"confidence":0.98828125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.008353989571332932},{"word":"apparently","start":1256.03,"end":1256.51,"confidence":0.7409668,"punctuated_word":"apparently,","sentiment":"neutral","sentiment_score":-0.016808796674013138},{"word":"yeah","start":1256.51,"end":1256.8301,"confidence":0.9326172,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.01811135560274124},{"word":"this","start":1256.8301,"end":1257.0701,"confidence":0.32861328,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.03686278313398361},{"word":"trial","start":1257.0701,"end":1257.39,"confidence":0.4921875,"punctuated_word":"trial","sentiment":"neutral","sentiment_score":-0.017447981983423233},{"word":"is","start":1257.39,"end":1257.89,"confidence":0.37475586,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07075582444667816},{"word":"pretty","start":1258.67,"end":1259.15,"confidence":0.3791504,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.0903325378894806},{"word":"pretty","start":1259.15,"end":1259.39,"confidence":0.8803711,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.09904724359512328},{"word":"short","start":1259.39,"end":1259.7101,"confidence":0.5917969,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.06142132729291916},{"word":"at","start":1259.7101,"end":1259.87,"confidence":0.97802734,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06973045319318771},{"word":"the","start":1259.87,"end":1260.03,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.054191458970308304},{"word":"moment","start":1260.03,"end":1260.3501,"confidence":0.89160156,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.039457425475120544},{"word":"so","start":1260.3501,"end":1260.645,"confidence":0.8691406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.022495057433843613},{"word":"yep","start":1268.1675,"end":1268.6675,"confidence":0.90152997,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.02221415564417839},{"word":"what","start":1281.2899,"end":1281.61,"confidence":0.9707031,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.15345144271850586},{"word":"gets","start":1281.61,"end":1281.85,"confidence":0.99121094,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.14474442601203918},{"word":"the","start":1281.85,"end":1282.09,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13009463250637054},{"word":"best","start":1282.09,"end":1282.33,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.18593549728393555},{"word":"result","start":1282.33,"end":1282.73,"confidence":0.9951172,"punctuated_word":"result","sentiment":"neutral","sentiment_score":0.3097464144229889},{"word":"really","start":1282.73,"end":1283.0499,"confidence":0.5432129,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":0.24791695177555084},{"word":"to","start":1283.0499,"end":1283.21,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1575077474117279},{"word":"be","start":1283.21,"end":1283.2899,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2676304280757904},{"word":"honest","start":1283.2899,"end":1283.69,"confidence":0.8881836,"punctuated_word":"honest,","sentiment":"neutral","sentiment_score":0.3109557628631592},{"word":"tom","start":1283.69,"end":1283.9299,"confidence":0.70996094,"punctuated_word":"Tom?","sentiment":"neutral","sentiment_score":0.2806481122970581},{"word":"like","start":1283.9299,"end":1284.1699,"confidence":0.9152832,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.008298270404338837},{"word":"it's","start":1284.1699,"end":1284.4099,"confidence":0.8366699,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0013230940094217658},{"word":"sort","start":1284.4099,"end":1284.9099,"confidence":0.9863281,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.00011621415615081788},{"word":"of","start":1285.1299,"end":1285.2899,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02471832185983658},{"word":"i","start":1285.45,"end":1285.61,"confidence":0.95166016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.019390590488910675},{"word":"know","start":1285.61,"end":1285.85,"confidence":0.9892578,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0007881671190261841},{"word":"i","start":1285.85,"end":1285.9299,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0021089091897010803},{"word":"have","start":1285.9299,"end":1286.1699,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.022382132709026337},{"word":"yeah","start":1286.49,"end":1286.8099,"confidence":0.9785156,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.016919665038585663},{"word":"like","start":1286.8099,"end":1286.97,"confidence":0.99902344,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":-0.034947723150253296},{"word":"you","start":1286.97,"end":1287.21,"confidence":0.9838867,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017110280692577362},{"word":"say","start":1287.21,"end":1287.5299,"confidence":0.9555664,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.02766510099172592},{"word":"i","start":1287.5299,"end":1287.69,"confidence":0.84472656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.027293384075164795},{"word":"reckon","start":1287.69,"end":1288.0099,"confidence":0.99121094,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":0.012762680649757384},{"word":"i","start":1288.0099,"end":1288.09,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017157532274723053},{"word":"have","start":1288.09,"end":1288.33,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03576008230447769},{"word":"ten","start":1288.33,"end":1288.49,"confidence":0.99902344,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.06362773478031158},{"word":"years","start":1288.49,"end":1288.8899,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.05779937654733658},{"word":"to","start":1288.8899,"end":1289.0499,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04382125288248062},{"word":"make","start":1289.0499,"end":1289.21,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17589013278484344},{"word":"it","start":1289.21,"end":1289.45,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.261478453874588},{"word":"happen","start":1289.45,"end":1289.85,"confidence":0.8288574,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":0.12997592985630035},{"word":"so","start":1289.85,"end":1290.315,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.00772441178560257},{"word":"whatever's","start":1290.715,"end":1291.215,"confidence":0.93896484,"punctuated_word":"whatever's","sentiment":"neutral","sentiment_score":-0.00600751768797636},{"word":"gonna","start":1291.2749,"end":1291.5149,"confidence":0.71484375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0402219220995903},{"word":"work","start":1291.5149,"end":1291.835,"confidence":0.6990967,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.04330800101161003},{"word":"i","start":1291.835,"end":1291.995,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08443423360586166},{"word":"mean","start":1291.995,"end":1292.235,"confidence":0.98291016,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.0630946233868599},{"word":"obviously","start":1292.235,"end":1292.715,"confidence":0.9470215,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.07548092305660248},{"word":"when","start":1292.715,"end":1292.875,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.08894987404346466},{"word":"i","start":1292.875,"end":1292.955,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16881243884563446},{"word":"get","start":1292.955,"end":1293.195,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.12977945804595947},{"word":"closer","start":1293.195,"end":1293.595,"confidence":0.91845703,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":-0.11795969307422638},{"word":"to","start":1293.595,"end":1293.7549,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11587879061698914},{"word":"60","start":1293.7549,"end":1294.2549,"confidence":0.90893555,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":-0.13481293618679047},{"word":"i","start":1294.475,"end":1294.5549,"confidence":0.99316406,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3445203900337219},{"word":"don't","start":1294.5549,"end":1294.875,"confidence":0.8808594,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2891967296600342},{"word":"want","start":1294.875,"end":1295.115,"confidence":0.9921875,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.28661906719207764},{"word":"too","start":1295.115,"end":1295.2749,"confidence":0.9951172,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.35944047570228577},{"word":"much","start":1295.2749,"end":1295.595,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.2718980312347412},{"word":"of","start":1295.595,"end":1295.6749,"confidence":0.9003906,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3403846323490143},{"word":"the","start":1295.6749,"end":1295.835,"confidence":0.96240234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2785640358924866},{"word":"risk","start":1295.835,"end":1296.235,"confidence":0.74609375,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.25152263045310974},{"word":"but","start":1296.235,"end":1296.735,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.169401615858078},{"word":"at","start":1297.0349,"end":1297.195,"confidence":0.93359375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.3075261414051056},{"word":"the","start":1297.195,"end":1297.355,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24973967671394348},{"word":"moment","start":1297.355,"end":1297.6749,"confidence":0.9765625,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.23488971590995789},{"word":"i","start":1297.6749,"end":1297.835,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2852290868759155},{"word":"have","start":1297.835,"end":1297.995,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2371612936258316},{"word":"to","start":1297.995,"end":1298.1549,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.25854191184043884},{"word":"kinda","start":1298.1549,"end":1298.475,"confidence":0.6870117,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.27571845054626465},{"word":"throw","start":1298.475,"end":1298.7949,"confidence":0.96972656,"punctuated_word":"throw","sentiment":"neutral","sentiment_score":-0.323935329914093},{"word":"caution","start":1298.7949,"end":1299.195,"confidence":0.9941406,"punctuated_word":"caution","sentiment":"neutral","sentiment_score":-0.2606997489929199},{"word":"in","start":1299.195,"end":1299.355,"confidence":0.4338379,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.28341686725616455},{"word":"a","start":1299.355,"end":1299.5149,"confidence":0.91015625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2788677215576172},{"word":"little","start":1299.5149,"end":1299.7549,"confidence":0.9980469,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2614361643791199},{"word":"bit","start":1299.7549,"end":1300.2549,"confidence":0.9980469,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.24077068269252777},{"word":"yeah","start":1309.82,"end":1310.32,"confidence":0.83447266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18262431025505063},{"word":"yep","start":1317.66,"end":1318.16,"confidence":0.8918457,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.45838508009910583},{"word":"yep","start":1321.255,"end":1321.755,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.425316870212555},{"word":"yep","start":1326.135,"end":1326.635,"confidence":0.9550781,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.27478569746017456},{"word":"yep","start":1329.735,"end":1330.235,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16358953714370728},{"word":"and","start":1330.4551,"end":1330.6951,"confidence":0.97509766,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1023341715335846},{"word":"what","start":1330.6951,"end":1330.855,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05826282873749733},{"word":"i've","start":1330.855,"end":1331.015,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05722295865416527},{"word":"noticed","start":1331.015,"end":1331.415,"confidence":0.9970703,"punctuated_word":"noticed","sentiment":"neutral","sentiment_score":0.06943875551223755},{"word":"as","start":1331.415,"end":1331.655,"confidence":0.8198242,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03007706254720688},{"word":"well","start":1331.655,"end":1331.895,"confidence":0.96118164,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.029943013563752174},{"word":"it","start":1331.895,"end":1331.9751,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0004428103566169739},{"word":"doesn't","start":1331.9751,"end":1332.375,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.02583814226090908},{"word":"seem","start":1332.375,"end":1332.775,"confidence":0.9980469,"punctuated_word":"seem","sentiment":"neutral","sentiment_score":-0.015377409756183624},{"word":"i","start":1333.3099,"end":1333.47,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06322091817855835},{"word":"don't","start":1333.47,"end":1333.97,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0689014419913292},{"word":"know","start":1334.27,"end":1334.6699,"confidence":0.9951172,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0731302797794342},{"word":"the","start":1334.6699,"end":1334.91,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05445685610175133},{"word":"total","start":1334.91,"end":1335.3099,"confidence":0.99902344,"punctuated_word":"total","sentiment":"neutral","sentiment_score":-0.05923614650964737},{"word":"amount","start":1335.3099,"end":1335.8099,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.030109405517578125},{"word":"which","start":1336.35,"end":1336.59,"confidence":0.80371094,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.06403911858797073},{"word":"is","start":1336.59,"end":1336.83,"confidence":0.91015625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04321194067597389},{"word":"invested","start":1336.83,"end":1337.33,"confidence":0.99902344,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.009300470352172852},{"word":"at","start":1337.39,"end":1337.5499,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05088144913315773},{"word":"the","start":1337.5499,"end":1337.63,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02152758836746216},{"word":"moment","start":1337.63,"end":1338.13,"confidence":0.99658203,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.045477814972400665},{"word":"i'm","start":1338.19,"end":1338.35,"confidence":0.98950195,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0625951886177063},{"word":"only","start":1338.35,"end":1338.59,"confidence":0.9716797,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.07292096316814423},{"word":"seeing","start":1338.59,"end":1339.07,"confidence":0.9111328,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":-0.024180084466934204},{"word":"occasional","start":1339.07,"end":1339.57,"confidence":0.7705078,"punctuated_word":"occasional","sentiment":"neutral","sentiment_score":-0.04076610133051872},{"word":"buyers","start":1340.35,"end":1340.83,"confidence":0.87841797,"punctuated_word":"buyers","sentiment":"neutral","sentiment_score":-0.03191351518034935},{"word":"and","start":1340.83,"end":1340.95,"confidence":0.45458984,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0368834063410759},{"word":"of","start":1341.07,"end":1341.3099,"confidence":0.9819336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017441652715206146},{"word":"low","start":1341.3099,"end":1341.5499,"confidence":0.73339844,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.00805499404668808},{"word":"amounts","start":1341.5499,"end":1342.0499,"confidence":0.9814453,"punctuated_word":"amounts.","sentiment":"neutral","sentiment_score":-0.021671803668141365},{"word":"i","start":1342.6699,"end":1342.75,"confidence":0.9428711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.009100712835788729},{"word":"just","start":1342.75,"end":1342.99,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0008831024169921875},{"word":"wanna","start":1342.99,"end":1343.3099,"confidence":0.79248047,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.02783399261534214},{"word":"make","start":1343.3099,"end":1343.47,"confidence":0.9819336,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.01900971308350563},{"word":"sure","start":1343.47,"end":1343.71,"confidence":0.9980469,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.04387463629245758},{"word":"yeah","start":1344.03,"end":1344.27,"confidence":0.9428711,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03629494085907936},{"word":"i","start":1344.27,"end":1344.4299,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.013143964111804962},{"word":"just","start":1344.4299,"end":1344.59,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.006976984441280365},{"word":"wanna","start":1344.59,"end":1344.99,"confidence":0.9863281,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.025489088147878647},{"word":"make","start":1344.99,"end":1345.15,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.015832141041755676},{"word":"sure","start":1345.15,"end":1345.65,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.041158467531204224},{"word":"that","start":1346.355,"end":1346.515,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03618209809064865},{"word":"we're","start":1346.515,"end":1346.755,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.04359060525894165},{"word":"investing","start":1346.755,"end":1347.255,"confidence":0.99902344,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.06751927733421326},{"word":"everything","start":1347.395,"end":1347.795,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.034026533365249634},{"word":"because","start":1347.795,"end":1348.275,"confidence":0.82128906,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.020518101751804352},{"word":"i","start":1348.275,"end":1348.515,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10462366044521332},{"word":"don't","start":1348.515,"end":1348.675,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07022856920957565},{"word":"wanna","start":1348.675,"end":1348.915,"confidence":0.6381836,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.117558054625988},{"word":"sit","start":1348.915,"end":1349.155,"confidence":0.81396484,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":-0.14280965924263},{"word":"in","start":1349.155,"end":1349.475,"confidence":0.9707031,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.15677420794963837},{"word":"cash","start":1349.475,"end":1349.875,"confidence":0.9111328,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.2305019199848175},{"word":"for","start":1349.875,"end":1350.115,"confidence":0.34350586,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.15117748081684113},{"word":"i","start":1350.515,"end":1350.755,"confidence":0.9350586,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1260865181684494},{"word":"don't","start":1350.755,"end":1351.075,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.09829270839691162},{"word":"know","start":1351.075,"end":1351.315,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.11960166692733765},{"word":"those","start":1351.315,"end":1351.815,"confidence":0.99121094,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.1228047013282776},{"word":"figures","start":1352.115,"end":1352.595,"confidence":0.9951172,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":-0.09040559083223344},{"word":"at","start":1352.595,"end":1352.675,"confidence":0.96972656,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10876406729221344},{"word":"all","start":1352.675,"end":1352.995,"confidence":0.782959,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.05570613592863083},{"word":"so","start":1352.995,"end":1353.315,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.021260257810354233},{"word":"i'm","start":1353.315,"end":1353.5549,"confidence":0.95214844,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.008594426326453686},{"word":"just","start":1353.5549,"end":1353.875,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0006133094429969788},{"word":"hoping","start":1353.875,"end":1354.375,"confidence":0.9970703,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":-0.025255881249904633},{"word":"that","start":1355.075,"end":1355.5549,"confidence":0.9855957,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.03377704322338104},{"word":"you","start":1355.5549,"end":1355.715,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01581987738609314},{"word":"know","start":1355.715,"end":1355.955,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05460996553301811},{"word":"it's","start":1355.955,"end":1356.195,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05790723115205765},{"word":"all","start":1356.195,"end":1356.4349,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0696917250752449},{"word":"invested","start":1356.4349,"end":1356.915,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.056708015501499176},{"word":"and","start":1356.915,"end":1357.155,"confidence":0.9614258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013965517282485962},{"word":"not","start":1357.155,"end":1357.395,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.029626592993736267},{"word":"just","start":1357.395,"end":1357.895,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.035291559994220734},{"word":"half","start":1358.035,"end":1358.195,"confidence":0.9951172,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.011832572519779204},{"word":"of","start":1358.195,"end":1358.355,"confidence":0.9770508,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.033364251255989075},{"word":"it","start":1358.355,"end":1358.595,"confidence":0.8588867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.073449045419693},{"word":"sitting","start":1358.595,"end":1358.915,"confidence":0.96435547,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.09927576780319214},{"word":"in","start":1358.915,"end":1359.075,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.19956009089946747},{"word":"cash","start":1359.075,"end":1359.395,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.18539157509803772},{"word":"because","start":1359.395,"end":1359.895,"confidence":0.91503906,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09114762395620346},{"word":"defeats","start":1360.36,"end":1360.86,"confidence":0.5131836,"punctuated_word":"defeats","sentiment":"neutral","sentiment_score":-0.10328958183526991},{"word":"the","start":1362.664,"end":1363.164,"confidence":0.83935547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1085691750049591},{"word":"whole","start":1364.968,"end":1365.468,"confidence":0.99609375,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.02796948328614235},{"word":"purpose","start":1367.272,"end":1367.772,"confidence":0.9902344,"punctuated_word":"purpose","sentiment":"neutral","sentiment_score":0.047068603336811066},{"word":"design","start":1369.576,"end":1370.076,"confidence":0.6850586,"punctuated_word":"design.","sentiment":"neutral","sentiment_score":0.022311927750706673},{"word":"yeah","start":1371.88,"end":1372.38,"confidence":0.7194824,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01538524217903614},{"word":"that's","start":1374.0399,"end":1374.5399,"confidence":0.8852539,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.007867436856031418},{"word":"that's","start":1376.265,"end":1376.765,"confidence":0.93847656,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07561749219894409},{"word":"yep","start":1381.145,"end":1381.645,"confidence":0.8564453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1197204515337944},{"word":"yep","start":1382.585,"end":1383.085,"confidence":0.9345703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08491569757461548},{"word":"yep","start":1384.025,"end":1384.3451,"confidence":0.8564453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1733158677816391},{"word":"that's","start":1384.3451,"end":1384.8451,"confidence":0.8901367,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.3298274278640747},{"word":"fine","start":1384.905,"end":1385.405,"confidence":0.99853516,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.268080472946167},{"word":"yeah","start":1407.125,"end":1407.625,"confidence":0.7408447,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03233303874731064},{"word":"yeah","start":1408.485,"end":1408.985,"confidence":0.7064209,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.054158858954906464},{"word":"that's","start":1421.2,"end":1421.6,"confidence":0.8718262,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7485442161560059},{"word":"cool","start":1421.6,"end":1421.92,"confidence":0.9975586,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.7643440961837769},{"word":"i","start":1421.92,"end":1422.08,"confidence":0.99609375,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.638640284538269},{"word":"get","start":1422.08,"end":1422.32,"confidence":0.75439453,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.6518458724021912},{"word":"that","start":1422.32,"end":1422.82,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6165796518325806},{"word":"yep","start":1442.685,"end":1443.185,"confidence":0.9790039,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2089364528656006},{"word":"okay","start":1454.5,"end":1455.0,"confidence":0.74316406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.3000635504722595},{"word":"cool","start":1455.06,"end":1455.56,"confidence":0.9975586,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4747726023197174},{"word":"that","start":1455.62,"end":1455.78,"confidence":0.97509766,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.5219870209693909},{"word":"sounds","start":1455.78,"end":1456.1001,"confidence":0.9951172,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.5876978039741516},{"word":"good","start":1456.1001,"end":1456.6001,"confidence":0.9970703,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5067563056945801},{"word":"yeah","start":1460.98,"end":1461.48,"confidence":0.7062988,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.060683269053697586},{"word":"is","start":1461.54,"end":1461.86,"confidence":0.9819336,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03102751448750496},{"word":"that","start":1461.86,"end":1462.1001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.034459635615348816},{"word":"you","start":1462.26,"end":1462.5,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021399501711130146},{"word":"know","start":1462.5,"end":1462.965,"confidence":0.9016113,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.01649804785847664},{"word":"i","start":1463.365,"end":1463.525,"confidence":0.87158203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0006638020277023315},{"word":"know","start":1463.525,"end":1463.6849,"confidence":0.99121094,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.02141265571117401},{"word":"you","start":1463.6849,"end":1463.845,"confidence":0.9316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014852095395326614},{"word":"can't","start":1463.845,"end":1464.005,"confidence":0.9411621,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.011470329016447067},{"word":"give","start":1464.005,"end":1464.325,"confidence":0.94628906,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.03430544212460518},{"word":"me","start":1464.325,"end":1464.485,"confidence":0.9790039,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.03589911386370659},{"word":"exact","start":1464.485,"end":1464.8049,"confidence":0.87353516,"punctuated_word":"exact","sentiment":"neutral","sentiment_score":-0.023335933685302734},{"word":"here","start":1464.8049,"end":1465.125,"confidence":0.6213379,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":-0.0039619989693164825},{"word":"but","start":1465.125,"end":1465.625,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0009279921650886536},{"word":"does","start":1465.6849,"end":1465.9249,"confidence":0.71972656,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.005129918456077576},{"word":"it","start":1465.9249,"end":1466.085,"confidence":0.9350586,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06598059087991714},{"word":"look","start":1466.085,"end":1466.585,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07099409401416779},{"word":"good","start":1466.725,"end":1467.0449,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.08226305991411209},{"word":"from","start":1467.0449,"end":1467.5449,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.03714992105960846},{"word":"that","start":1468.245,"end":1468.565,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03883405029773712},{"word":"perspective","start":1468.565,"end":1469.065,"confidence":0.99902344,"punctuated_word":"perspective","sentiment":"neutral","sentiment_score":0.01555769145488739},{"word":"of","start":1469.125,"end":1469.2849,"confidence":0.89990234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015941113233566284},{"word":"what","start":1469.2849,"end":1469.525,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.029901869595050812},{"word":"we're","start":1469.525,"end":1469.765,"confidence":0.9975586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.02315599285066128},{"word":"talking","start":1469.765,"end":1470.1649,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.008071251213550568},{"word":"about","start":1470.1649,"end":1470.645,"confidence":0.8198242,"punctuated_word":"about?","sentiment":"neutral","sentiment_score":-0.0007205009460449219},{"word":"so","start":1470.645,"end":1470.8049,"confidence":0.7685547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.016208617016673088},{"word":"that","start":1470.8049,"end":1471.0449,"confidence":0.9667969,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02348867431282997},{"word":"mill","start":1471.0449,"end":1471.5449,"confidence":0.48980713,"punctuated_word":"mill?","sentiment":"neutral","sentiment_score":-0.011538146995007992},{"word":"yeah","start":1476.965,"end":1477.205,"confidence":0.8154297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01688494347035885},{"word":"yeah","start":1477.205,"end":1477.525,"confidence":0.9855957,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03168698772788048},{"word":"i","start":1477.525,"end":1477.6849,"confidence":0.62597656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04260081797838211},{"word":"get","start":1477.6849,"end":1477.9249,"confidence":0.9560547,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05449616909027099},{"word":"it","start":1477.9249,"end":1478.31,"confidence":0.96972656,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.038820065557956696},{"word":"yep","start":1485.3501,"end":1485.8501,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02916768752038479},{"word":"no","start":1495.485,"end":1495.805,"confidence":0.9892578,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03951888158917427},{"word":"i","start":1495.805,"end":1495.885,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03308761119842529},{"word":"mean","start":1495.885,"end":1496.125,"confidence":0.9736328,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.03577166795730591},{"word":"it","start":1496.125,"end":1496.2051,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06696246564388275},{"word":"would","start":1496.2051,"end":1496.4451,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.09716268628835678},{"word":"be","start":1496.4451,"end":1496.685,"confidence":0.98828125,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10683012753725052},{"word":"the","start":1496.685,"end":1496.8451,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0741683766245842},{"word":"kids","start":1496.8451,"end":1497.3451,"confidence":0.99316406,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.10890492796897888},{"word":"that","start":1498.4451,"end":1498.9451,"confidence":0.8491211,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11105835437774658},{"word":"i'd","start":1499.405,"end":1499.725,"confidence":0.9655762,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.1376606673002243},{"word":"want","start":1499.725,"end":1499.9651,"confidence":0.67578125,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.09698741137981416},{"word":"it","start":1499.9651,"end":1500.2051,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11843645572662354},{"word":"to","start":1500.2051,"end":1500.285,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05802717804908752},{"word":"go","start":1500.285,"end":1500.605,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.033943772315979004},{"word":"to","start":1500.605,"end":1501.105,"confidence":0.9121094,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.0785904973745346},{"word":"you","start":1502.8451,"end":1503.005,"confidence":0.9658203,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0216665118932724},{"word":"know","start":1503.005,"end":1503.245,"confidence":0.9350586,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03495752811431885},{"word":"i","start":1503.245,"end":1503.3251,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04453122615814209},{"word":"suppose","start":1503.3251,"end":1503.645,"confidence":0.9921875,"punctuated_word":"suppose","sentiment":"neutral","sentiment_score":0.06008535623550415},{"word":"that's","start":1503.645,"end":1503.9651,"confidence":0.97314453,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.055568527430295944},{"word":"the","start":1503.9651,"end":1504.4651,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004077017307281494},{"word":"norm","start":1505.0851,"end":1505.5851,"confidence":0.97314453,"punctuated_word":"norm","sentiment":"neutral","sentiment_score":0.051446959376335144},{"word":"thing","start":1506.125,"end":1506.4451,"confidence":0.9941406,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.06762846559286118},{"word":"to","start":1506.4451,"end":1506.605,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011509530246257782},{"word":"do","start":1506.605,"end":1507.105,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02715032547712326},{"word":"in","start":1508.2051,"end":1508.4451,"confidence":0.9160156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.034454964101314545},{"word":"this","start":1508.4451,"end":1508.685,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04244203120470047},{"word":"case","start":1508.685,"end":1509.0851,"confidence":0.90356445,"punctuated_word":"case.","sentiment":"neutral","sentiment_score":-0.02306410111486912},{"word":"so","start":1509.0851,"end":1509.3251,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04332622140645981},{"word":"but","start":1509.98,"end":1510.3,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0294831320643425},{"word":"i","start":1510.3,"end":1510.38,"confidence":0.9604492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014835543930530548},{"word":"maybe","start":1510.62,"end":1510.86,"confidence":0.99902344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.03924429416656494},{"word":"we'd","start":1510.86,"end":1511.26,"confidence":0.84594727,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.03990817070007324},{"word":"look","start":1511.26,"end":1511.5,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.021654412150382996},{"word":"at","start":1511.5,"end":1511.66,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0004257410764694214},{"word":"that","start":1511.66,"end":1512.14,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02808225527405739},{"word":"sort","start":1512.14,"end":1512.4601,"confidence":0.89990234,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.008348308503627777},{"word":"of","start":1512.4601,"end":1512.9601,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02149350941181183},{"word":"down","start":1513.02,"end":1513.26,"confidence":0.9892578,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.03035881370306015},{"word":"the","start":1513.26,"end":1513.42,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02732955664396286},{"word":"track","start":1513.42,"end":1513.66,"confidence":0.99902344,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.030082695186138153},{"word":"a","start":1513.66,"end":1513.74,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00813467800617218},{"word":"bit","start":1513.74,"end":1513.98,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.00400930643081665},{"word":"more","start":1513.98,"end":1514.14,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.001089632511138916},{"word":"when","start":1514.14,"end":1514.38,"confidence":0.9472656,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.035311464220285416},{"word":"everything's","start":1514.38,"end":1514.88,"confidence":0.9765625,"punctuated_word":"everything's,","sentiment":"neutral","sentiment_score":0.06707173585891724},{"word":"you","start":1515.5,"end":1515.66,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06255094707012177},{"word":"know","start":1515.66,"end":1516.06,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07887936383485794},{"word":"finalized","start":1516.06,"end":1516.56,"confidence":0.9885254,"punctuated_word":"finalized.","sentiment":"neutral","sentiment_score":0.11524741351604462},{"word":"yep","start":1523.5349,"end":1524.0349,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.213791161775589},{"word":"yeah","start":1540.4299,"end":1540.9299,"confidence":0.796875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011402172036468984},{"word":"look","start":1542.4299,"end":1542.67,"confidence":0.6513672,"punctuated_word":"Look,","sentiment":"neutral","sentiment_score":-0.0005054697394371033},{"word":"hoping","start":1542.67,"end":1543.07,"confidence":0.7578125,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.015160076320171356},{"word":"to","start":1543.07,"end":1543.3099,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009669937193393707},{"word":"be","start":1543.3099,"end":1543.8099,"confidence":0.96435547,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.011803694069385529},{"word":"sort","start":1543.87,"end":1544.11,"confidence":0.88720703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.007864139974117279},{"word":"of","start":1544.11,"end":1544.27,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0005754828453063965},{"word":"62","start":1544.27,"end":1544.83,"confidence":0.9049072,"punctuated_word":"62,","sentiment":"neutral","sentiment_score":0.05353318154811859},{"word":"to","start":1544.83,"end":1544.99,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01323748379945755},{"word":"be","start":1544.99,"end":1545.15,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.00836220383644104},{"word":"honest","start":1545.15,"end":1545.47,"confidence":0.75805664,"punctuated_word":"honest,","sentiment":"neutral","sentiment_score":0.021093960851430893},{"word":"but","start":1545.47,"end":1545.63,"confidence":0.7553711,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.0130680613219738},{"word":"yeah","start":1545.63,"end":1545.87,"confidence":0.9284668,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.03340985253453255},{"word":"we'll","start":1545.87,"end":1546.11,"confidence":0.9616699,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.03278117999434471},{"word":"see","start":1546.11,"end":1546.61,"confidence":0.98999023,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.0416623130440712},{"word":"yep","start":1565.73,"end":1566.23,"confidence":0.96191406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09953108429908752},{"word":"yep","start":1568.37,"end":1568.87,"confidence":0.72558594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1450705528259277},{"word":"okay","start":1574.6151,"end":1575.1151,"confidence":0.7915039,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.013104869052767754},{"word":"yeah","start":1584.6151,"end":1585.015,"confidence":0.97265625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.053291548043489456},{"word":"and","start":1585.015,"end":1585.175,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02297540009021759},{"word":"then","start":1585.175,"end":1585.5751,"confidence":0.98828125,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02594727650284767},{"word":"so","start":1585.7351,"end":1585.895,"confidence":0.7607422,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.018816012889146805},{"word":"there's","start":1585.895,"end":1586.2151,"confidence":0.88256836,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.014940238557755949},{"word":"a","start":1586.2151,"end":1586.375,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03729776293039322},{"word":"100","start":1586.375,"end":1586.6151,"confidence":0.9970703,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.04256182909011841},{"word":"is","start":1586.775,"end":1586.935,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.028524793684482574},{"word":"that","start":1586.935,"end":1587.175,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03522682189941406},{"word":"including","start":1587.175,"end":1587.5751,"confidence":0.99902344,"punctuated_word":"including","sentiment":"neutral","sentiment_score":0.06227988749742508},{"word":"the","start":1587.5751,"end":1587.7351,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04566843062639237},{"word":"100","start":1587.7351,"end":1588.055,"confidence":0.97998047,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.045013245195150375},{"word":"thousands","start":1588.055,"end":1588.555,"confidence":0.7130127,"punctuated_word":"thousands,","sentiment":"neutral","sentiment_score":0.059942636638879776},{"word":"like","start":1589.2101,"end":1589.61,"confidence":0.9128418,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04969748854637146},{"word":"maybe","start":1589.61,"end":1590.11,"confidence":0.99902344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.03645283728837967},{"word":"that","start":1590.65,"end":1590.89,"confidence":0.9223633,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03757514804601669},{"word":"comes","start":1590.89,"end":1591.2101,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.04549277201294899},{"word":"in","start":1591.2101,"end":1591.7101,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04514295607805252},{"word":"with","start":1592.97,"end":1593.2101,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05203980952501297},{"word":"the","start":1593.2101,"end":1593.29,"confidence":0.9013672,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047415196895599365},{"word":"setup","start":1593.29,"end":1593.6901,"confidence":0.5371094,"punctuated_word":"setup","sentiment":"neutral","sentiment_score":0.08823417127132416},{"word":"well","start":1593.77,"end":1594.27,"confidence":0.9194336,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.06503026187419891},{"word":"the","start":1594.73,"end":1594.81,"confidence":0.8745117,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05255994200706482},{"word":"the","start":1594.81,"end":1594.89,"confidence":0.5126953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019784480333328247},{"word":"boss","start":1594.89,"end":1595.37,"confidence":0.6002197,"punctuated_word":"boss,","sentiment":"neutral","sentiment_score":0.01887129619717598},{"word":"i","start":1595.37,"end":1595.4501,"confidence":0.9316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03448191285133362},{"word":"suppose","start":1595.4501,"end":1595.85,"confidence":0.91186523,"punctuated_word":"suppose,","sentiment":"neutral","sentiment_score":0.04452509805560112},{"word":"is","start":1595.85,"end":1596.01,"confidence":0.75390625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04061795771121979},{"word":"the","start":1596.01,"end":1596.09,"confidence":0.72265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.048686690628528595},{"word":"way","start":1596.09,"end":1596.3301,"confidence":0.58935547,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.06949377059936523},{"word":"to","start":1596.3301,"end":1596.49,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03914555907249451},{"word":"say","start":1596.49,"end":1596.5701,"confidence":0.93359375,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.04470588266849518},{"word":"it","start":1596.5701,"end":1596.81,"confidence":0.7883301,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.02618718147277832},{"word":"but","start":1596.81,"end":1597.31,"confidence":0.97802734,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.039817389100790024},{"word":"yeah","start":1597.85,"end":1598.35,"confidence":0.98535156,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.047830596566200256},{"word":"yep","start":1609.305,"end":1609.805,"confidence":0.8835449,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2380438446998596},{"word":"yep","start":1617.465,"end":1617.965,"confidence":0.97021484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22683143615722656},{"word":"yep","start":1620.16,"end":1620.66,"confidence":0.9970703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1280551254749298},{"word":"wow","start":1649.82,"end":1650.3,"confidence":0.88378906,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.2855033278465271},{"word":"okay","start":1650.3,"end":1650.8,"confidence":0.98583984,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12932941317558289},{"word":"yep","start":1653.74,"end":1654.24,"confidence":0.9863281,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09586071968078612},{"word":"yeah","start":1667.515,"end":1668.015,"confidence":0.84228516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0504058413207531},{"word":"yeah","start":1668.075,"end":1668.575,"confidence":0.73339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04980931431055069},{"word":"yep","start":1674.075,"end":1674.475,"confidence":0.7932129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09383170306682588},{"word":"yep","start":1674.475,"end":1674.975,"confidence":0.8461914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11489346623420715},{"word":"yep","start":1689.19,"end":1689.69,"confidence":0.99194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1031908318400383},{"word":"yep","start":1697.375,"end":1697.875,"confidence":0.7553711,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0997779592871666},{"word":"yep","start":1700.8151,"end":1701.3151,"confidence":0.9453125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.098808191716671},{"word":"yep","start":1708.4401,"end":1708.9401,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0299236997961998},{"word":"that's","start":1717.135,"end":1717.375,"confidence":0.76293945,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5177861452102661},{"word":"good","start":1717.375,"end":1717.6951,"confidence":0.9904785,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5244834423065186},{"word":"that's","start":1717.6951,"end":1718.015,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6007226705551147},{"word":"good","start":1718.015,"end":1718.495,"confidence":0.98217773,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5456802248954773},{"word":"and","start":1718.495,"end":1718.735,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2593986988067627},{"word":"it's","start":1718.735,"end":1719.055,"confidence":0.9375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.27139532566070557},{"word":"keeping","start":1719.055,"end":1719.455,"confidence":0.96972656,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.22891633212566376},{"word":"my","start":1719.455,"end":1719.855,"confidence":0.99316406,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1841382086277008},{"word":"my","start":1719.855,"end":1720.095,"confidence":0.9741211,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.12497372925281525},{"word":"shares","start":1720.095,"end":1720.495,"confidence":0.9941406,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.13446299731731415},{"word":"out","start":1720.495,"end":1720.735,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1929500252008438},{"word":"of","start":1720.735,"end":1720.8151,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14049629867076874},{"word":"that","start":1720.8151,"end":1721.055,"confidence":0.9807129,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.13954311609268188},{"word":"it's","start":1721.055,"end":1721.455,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07937416434288025},{"word":"just","start":1721.455,"end":1721.6951,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12225694954395294},{"word":"because","start":1721.6951,"end":1721.935,"confidence":0.68310547,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1077978014945984},{"word":"i'm","start":1721.935,"end":1722.175,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.14686191082000732},{"word":"playing","start":1722.175,"end":1722.415,"confidence":0.9902344,"punctuated_word":"playing","sentiment":"neutral","sentiment_score":0.127458393573761},{"word":"with","start":1722.415,"end":1722.5751,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15552295744419098},{"word":"that","start":1722.5751,"end":1722.8151,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16265860199928284},{"word":"to","start":1722.8151,"end":1722.975,"confidence":0.96533203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13995912671089172},{"word":"try","start":1722.975,"end":1723.135,"confidence":0.99609375,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.13119888305664062},{"word":"and","start":1723.135,"end":1723.295,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11210116744041444},{"word":"get","start":1723.295,"end":1723.455,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12068113684654236},{"word":"the","start":1723.455,"end":1723.615,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11478829383850098},{"word":"extra","start":1723.615,"end":1724.115,"confidence":0.99902344,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.08616417646408081},{"word":"in","start":1724.735,"end":1724.975,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0925796553492546},{"word":"there","start":1724.975,"end":1725.295,"confidence":0.96533203,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1253886520862579},{"word":"once","start":1725.295,"end":1725.615,"confidence":0.70458984,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.0481732077896595},{"word":"a","start":1725.615,"end":1725.6951,"confidence":0.92578125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08053208887577057},{"word":"year","start":1725.6951,"end":1726.095,"confidence":0.9597168,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.12416521459817886},{"word":"so","start":1726.095,"end":1726.335,"confidence":0.7902832,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.26951366662979126},{"word":"yeah","start":1726.335,"end":1726.495,"confidence":0.95410156,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.3572678565979004},{"word":"that's","start":1726.495,"end":1726.735,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5070884823799133},{"word":"good","start":1726.735,"end":1727.235,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4735594987869262},{"word":"that","start":1735.0701,"end":1735.23,"confidence":0.7495117,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.5280745625495911},{"word":"sounds","start":1735.23,"end":1735.55,"confidence":0.984375,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.6142368912696838},{"word":"really","start":1735.55,"end":1735.87,"confidence":0.9980469,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5566039681434631},{"word":"good","start":1735.87,"end":1736.03,"confidence":0.9667969,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.5499675869941711},{"word":"tom","start":1736.03,"end":1736.53,"confidence":0.9797363,"punctuated_word":"Tom.","sentiment":"positive","sentiment_score":0.5132696628570557},{"word":"good","start":1745.775,"end":1745.935,"confidence":0.6166992,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.5692368745803833},{"word":"on","start":1745.935,"end":1746.015,"confidence":0.2541504,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6362172365188599},{"word":"that","start":1746.015,"end":1746.1064,"confidence":0.626709,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.46727311611175537},{"word":"good","start":1746.1064,"end":1746.1979,"confidence":0.39208984,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.5678241848945618},{"word":"on","start":1746.1979,"end":1746.2893,"confidence":0.23840332,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6593418717384338},{"word":"that","start":1746.2893,"end":1746.3807,"confidence":0.6480713,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5265415906906128},{"word":"good","start":1746.3807,"end":1746.4722,"confidence":0.22265625,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.5969157218933105},{"word":"on","start":1746.4722,"end":1746.5636,"confidence":0.2919922,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6928356289863586},{"word":"that","start":1746.5636,"end":1746.655,"confidence":0.7253418,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5859770774841309},{"word":"congratulations","start":1746.655,"end":1747.155,"confidence":0.6131592,"punctuated_word":"Congratulations.","sentiment":"positive","sentiment_score":0.635528564453125},{"word":"yep","start":1756.015,"end":1756.515,"confidence":0.77441406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1577572375535965},{"word":"yep","start":1760.95,"end":1761.45,"confidence":0.7286377,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07826131582260132},{"word":"no","start":1765.51,"end":1765.83,"confidence":0.8859863,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23729842901229856},{"word":"i'm","start":1765.83,"end":1765.99,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.20291316509246823},{"word":"happy","start":1765.99,"end":1766.23,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":-0.12530899047851562},{"word":"with","start":1766.23,"end":1766.39,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2539970874786377},{"word":"that","start":1766.39,"end":1766.63,"confidence":0.9819336,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.40973538160324097},{"word":"time","start":1766.63,"end":1766.7899,"confidence":0.58447266,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.13403066992759705},{"word":"and","start":1766.7899,"end":1766.95,"confidence":0.40795898,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13596761226654053},{"word":"it's","start":1766.95,"end":1767.35,"confidence":0.9453125,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.003645583987236023},{"word":"yeah","start":1767.6699,"end":1768.07,"confidence":0.9284668,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.04854181408882141},{"word":"yeah","start":1768.07,"end":1768.3099,"confidence":0.84716797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07275903970003128},{"word":"i","start":1768.3099,"end":1768.47,"confidence":0.6118164,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.033854879438877106},{"word":"know","start":1768.47,"end":1768.63,"confidence":0.96972656,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.036105766892433167},{"word":"it's","start":1768.63,"end":1768.71,"confidence":0.767334,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04238026589155197},{"word":"been","start":1768.71,"end":1769.03,"confidence":0.97509766,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.0023645758628845215},{"word":"a","start":1769.03,"end":1769.11,"confidence":0.95166016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03785933554172516},{"word":"few","start":1769.11,"end":1769.35,"confidence":0.99316406,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.07503066211938858},{"word":"mix","start":1769.35,"end":1769.75,"confidence":0.5748291,"punctuated_word":"mix.","sentiment":"neutral","sentiment_score":-0.10446567833423616},{"word":"not","start":1769.75,"end":1769.87,"confidence":0.88720703,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.24804651737213135},{"word":"well","start":1769.99,"end":1770.49,"confidence":0.95458984,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.1952301859855652},{"word":"there's","start":1770.71,"end":1770.95,"confidence":0.7507324,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.09743409603834152},{"word":"been","start":1770.95,"end":1771.11,"confidence":0.9140625,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.0180586576461792},{"word":"a","start":1771.11,"end":1771.19,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03668823093175888},{"word":"few","start":1771.19,"end":1771.4299,"confidence":0.99902344,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.03215150535106659},{"word":"changes","start":1771.4299,"end":1771.91,"confidence":0.9760742,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.014398887753486632},{"word":"to","start":1771.91,"end":1772.07,"confidence":0.6557617,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.017763033509254456},{"word":"half","start":1772.07,"end":1772.3099,"confidence":0.88964844,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.01042938232421875},{"word":"as","start":1772.3099,"end":1772.5499,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.006137482821941376},{"word":"well","start":1772.5499,"end":1772.7899,"confidence":0.7314453,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.03423479199409485},{"word":"so","start":1772.7899,"end":1772.95,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.175313800573349},{"word":"it's","start":1772.95,"end":1773.11,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3637196719646454},{"word":"good","start":1773.11,"end":1773.35,"confidence":0.9980469,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.507716953754425},{"word":"that","start":1773.35,"end":1773.59,"confidence":0.9838867,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39429062604904175},{"word":"i","start":1773.59,"end":1773.6699,"confidence":0.9941406,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3590314984321594},{"word":"can","start":1773.6699,"end":1774.15,"confidence":0.9980469,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.43532294034957886},{"word":"i","start":1774.15,"end":1774.3099,"confidence":0.9453125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3253977596759796},{"word":"can","start":1774.3099,"end":1774.695,"confidence":0.9941406,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.34617218375205994},{"word":"sort","start":1774.695,"end":1774.855,"confidence":0.8286133,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2799129784107208},{"word":"of","start":1774.855,"end":1774.9349,"confidence":0.98828125,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3762508034706116},{"word":"rely","start":1774.9349,"end":1775.0549,"confidence":0.98291016,"punctuated_word":"rely","sentiment":"neutral","sentiment_score":0.17790524661540985},{"word":"on","start":1775.0549,"end":1775.1749,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2377471774816513},{"word":"you","start":1775.1749,"end":1775.495,"confidence":0.97436523,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.22388878464698792},{"word":"that's","start":1775.495,"end":1775.735,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5290939807891846},{"word":"good","start":1775.735,"end":1776.235,"confidence":0.9975586,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.484560489654541},{"word":"and","start":1777.6549,"end":1777.8949,"confidence":0.6767578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.037943191826343536},{"word":"also","start":1777.8949,"end":1778.1349,"confidence":0.64746094,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.03652102127671242},{"word":"the","start":1778.1349,"end":1778.375,"confidence":0.6489258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06216561794281006},{"word":"fee","start":1778.375,"end":1778.855,"confidence":0.640625,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.05461074411869049},{"word":"fee","start":1778.855,"end":1778.9349,"confidence":0.20715332,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.04973418265581131},{"word":"is","start":1778.9349,"end":1779.1749,"confidence":0.56933594,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.047340430319309235},{"word":"why","start":1779.1749,"end":1779.4149,"confidence":0.6748047,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.013925466686487198},{"word":"because","start":1779.4149,"end":1779.9149,"confidence":0.33789062,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0016423985362052915},{"word":"yeah","start":1780.215,"end":1780.455,"confidence":0.96972656,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0005548931658267975},{"word":"just","start":1780.455,"end":1780.7749,"confidence":0.96435547,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.018943294882774353},{"word":"the","start":1780.7749,"end":1780.9349,"confidence":0.11584473,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01307130604982376},{"word":"bottom","start":1780.9349,"end":1781.255,"confidence":0.24926758,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":-0.017684441059827805},{"word":"of","start":1781.255,"end":1781.4149,"confidence":0.8510742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0070288702845573425},{"word":"my","start":1781.4149,"end":1781.575,"confidence":0.8989258,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.015409950166940687},{"word":"mind","start":1781.575,"end":1781.815,"confidence":0.8745117,"punctuated_word":"mind.","sentiment":"neutral","sentiment_score":-0.01188690960407257},{"word":"sorry","start":1781.815,"end":1782.0549,"confidence":0.98461914,"punctuated_word":"Sorry,","sentiment":"neutral","sentiment_score":-0.03174731880426407},{"word":"mate","start":1782.0549,"end":1782.375,"confidence":0.8823242,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":-0.00478584598749876},{"word":"it's","start":1782.375,"end":1782.615,"confidence":0.99560547,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.012136062607169151},{"word":"just","start":1782.615,"end":1782.855,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03660723939538002},{"word":"the","start":1782.855,"end":1783.355,"confidence":0.9404297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.050407979637384415},{"word":"i","start":1784.455,"end":1784.615,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03656887635588646},{"word":"think","start":1784.615,"end":1784.7749,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05614617094397545},{"word":"we","start":1784.7749,"end":1784.9349,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08572156727313995},{"word":"get","start":1784.9349,"end":1785.095,"confidence":0.98535156,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10420840978622437},{"word":"a","start":1785.095,"end":1785.255,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09825202822685242},{"word":"discount","start":1785.255,"end":1785.6549,"confidence":1.0,"punctuated_word":"discount","sentiment":"neutral","sentiment_score":0.07929197698831558},{"word":"on","start":1785.6549,"end":1785.815,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0807214230298996},{"word":"the","start":1785.815,"end":1785.975,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.049049146473407745},{"word":"fees","start":1785.975,"end":1786.2949,"confidence":0.7944336,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.05628503859043121},{"word":"because","start":1786.2949,"end":1786.695,"confidence":0.9658203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06344278156757355},{"word":"we're","start":1786.695,"end":1787.195,"confidence":0.9226074,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.08264556527137756},{"word":"a","start":1787.575,"end":1787.6549,"confidence":0.9370117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0795314610004425},{"word":"couple","start":1787.6549,"end":1788.1549,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.08221624791622162},{"word":"you","start":1789.87,"end":1790.0299,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03842741250991821},{"word":"know","start":1790.0299,"end":1790.19,"confidence":0.9926758,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.056754402816295624},{"word":"we","start":1790.19,"end":1790.51,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09329499304294586},{"word":"got","start":1790.51,"end":1790.83,"confidence":0.9658203,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10809879750013351},{"word":"some","start":1790.83,"end":1791.07,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08522842824459076},{"word":"discount","start":1791.07,"end":1791.5499,"confidence":0.9970703,"punctuated_word":"discount","sentiment":"neutral","sentiment_score":0.04679102450609207},{"word":"on","start":1791.5499,"end":1791.71,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0630609542131424},{"word":"the","start":1791.71,"end":1791.95,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05683055892586708},{"word":"percentage","start":1791.95,"end":1792.4299,"confidence":0.9980469,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.07773569226264954},{"word":"that","start":1792.4299,"end":1792.6699,"confidence":0.98095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06820474565029144},{"word":"we're","start":1792.6699,"end":1792.9099,"confidence":0.9926758,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.052248336374759674},{"word":"getting","start":1792.9099,"end":1793.3099,"confidence":0.9970703,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.05925649404525757},{"word":"charged","start":1793.3099,"end":1793.71,"confidence":0.9519043,"punctuated_word":"charged.","sentiment":"neutral","sentiment_score":0.047041453421115875},{"word":"does","start":1793.71,"end":1793.95,"confidence":0.95410156,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.028551585972309113},{"word":"that","start":1793.95,"end":1794.19,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.053650207817554474},{"word":"still","start":1794.19,"end":1794.59,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03412921354174614},{"word":"apply","start":1794.59,"end":1795.09,"confidence":0.9995117,"punctuated_word":"apply?","sentiment":"neutral","sentiment_score":0.03305862471461296},{"word":"yep","start":1810.765,"end":1811.265,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04494144767522812},{"word":"yep","start":1815.485,"end":1815.985,"confidence":0.751709,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06080777570605278},{"word":"yeah","start":1819.73,"end":1820.23,"confidence":0.77368164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06376885622739792},{"word":"yep","start":1824.9299,"end":1825.4299,"confidence":0.8137207,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.006899668835103512},{"word":"yeah","start":1828.13,"end":1828.45,"confidence":0.9367676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03790948539972305},{"word":"i","start":1828.45,"end":1828.61,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03437962010502815},{"word":"understand","start":1828.61,"end":1829.11,"confidence":0.9970703,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":0.03782405704259872},{"word":"is","start":1829.25,"end":1829.49,"confidence":0.7011719,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.02294490486383438},{"word":"it","start":1829.49,"end":1829.57,"confidence":0.8442383,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02811850793659687},{"word":"one","start":1829.57,"end":1829.8099,"confidence":0.99121094,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.018640587106347084},{"word":"point","start":1829.8099,"end":1830.0499,"confidence":0.99902344,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.007421493530273437},{"word":"what","start":1830.37,"end":1830.5299,"confidence":0.9370117,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.009912960231304169},{"word":"is","start":1830.5299,"end":1830.69,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.005794044584035873},{"word":"it","start":1830.69,"end":1830.85,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.006930399686098099},{"word":"now","start":1830.85,"end":1831.09,"confidence":0.95532227,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":-0.0024439897388219833},{"word":"one","start":1831.09,"end":1831.25,"confidence":0.9819336,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.0031367074698209763},{"word":"point","start":1831.25,"end":1831.75,"confidence":0.89038086,"punctuated_word":"point?","sentiment":"neutral","sentiment_score":0.00911663193255663},{"word":"yeah","start":1836.4249,"end":1836.745,"confidence":0.9694824,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2181445062160492},{"word":"it's","start":1836.745,"end":1836.9049,"confidence":0.97094727,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.34646350145339966},{"word":"a","start":1836.9049,"end":1837.065,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3663806915283203},{"word":"good","start":1837.065,"end":1837.225,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4119409024715424},{"word":"difference","start":1837.225,"end":1837.725,"confidence":0.9995117,"punctuated_word":"difference.","sentiment":"positive","sentiment_score":0.43649083375930786},{"word":"yep","start":1847.76,"end":1848.26,"confidence":0.9604492,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.013095572590827942},{"word":"yeah","start":1850.64,"end":1850.88,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15242421627044678},{"word":"i","start":1850.88,"end":1850.96,"confidence":0.9614258,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2281925231218338},{"word":"get","start":1850.96,"end":1851.44,"confidence":0.62646484,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.28934401273727417},{"word":"it","start":1851.44,"end":1851.5199,"confidence":0.99316406,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.27493664622306824},{"word":"that's","start":1851.5199,"end":1851.76,"confidence":0.83203125,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6835802793502808},{"word":"cool","start":1851.76,"end":1852.26,"confidence":0.9995117,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.6779727935791016},{"word":"no","start":1855.0399,"end":1855.2,"confidence":0.83813477,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.08446931093931198},{"word":"that's","start":1855.2,"end":1855.5199,"confidence":0.9758301,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.262423574924469},{"word":"good","start":1855.5199,"end":1856.0199,"confidence":0.48791504,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3689104914665222},{"word":"yep","start":1871.675,"end":1872.0751,"confidence":0.9616699,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14666339755058289},{"word":"yeah","start":1872.0751,"end":1872.395,"confidence":0.9736328,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20435568690299988},{"word":"no","start":1872.395,"end":1872.555,"confidence":0.6582031,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.29423418641090393},{"word":"stress","start":1872.555,"end":1872.875,"confidence":0.9824219,"punctuated_word":"stress.","sentiment":"positive","sentiment_score":0.3724669814109802},{"word":"that's","start":1872.875,"end":1873.115,"confidence":0.9909668,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5785033702850342},{"word":"all","start":1873.115,"end":1873.355,"confidence":0.9658203,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.6022374033927917},{"word":"good","start":1873.355,"end":1873.855,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4970189034938812},{"word":"yep","start":1890.1001,"end":1890.6001,"confidence":0.96118164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09545668214559556},{"word":"yep","start":1895.875,"end":1896.375,"confidence":0.982666,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05256696790456772},{"word":"so","start":1896.515,"end":1896.755,"confidence":0.7751465,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.047514673322439194},{"word":"i","start":1896.755,"end":1896.8351,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03710796684026718},{"word":"mean","start":1896.8351,"end":1897.0751,"confidence":0.99853516,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.04898097366094589},{"word":"i'm","start":1897.0751,"end":1897.235,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04268916696310043},{"word":"sort","start":1897.235,"end":1897.475,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04426981881260872},{"word":"of","start":1897.475,"end":1897.7151,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04197149351239205},{"word":"toying","start":1897.7151,"end":1898.1951,"confidence":0.9875488,"punctuated_word":"toying","sentiment":"neutral","sentiment_score":0.04283767938613891},{"word":"with","start":1898.1951,"end":1898.435,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06345152109861374},{"word":"the","start":1898.435,"end":1898.595,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06653116643428802},{"word":"idea","start":1898.595,"end":1898.995,"confidence":0.8769531,"punctuated_word":"idea.","sentiment":"neutral","sentiment_score":0.0617356076836586},{"word":"so","start":1898.995,"end":1899.235,"confidence":0.93408203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.042927250266075134},{"word":"if","start":1899.235,"end":1899.395,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03975452482700348},{"word":"i","start":1899.395,"end":1899.555,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04306976497173309},{"word":"get","start":1899.555,"end":1899.795,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04773440957069397},{"word":"40,000","start":1899.795,"end":1900.775,"confidence":1.0,"punctuated_word":"40,000","sentiment":"neutral","sentiment_score":0.04659894108772278},{"word":"out","start":1900.915,"end":1901.0751,"confidence":0.9892578,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04866419732570648},{"word":"of","start":1901.0751,"end":1901.235,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02849450707435608},{"word":"this","start":1901.235,"end":1901.395,"confidence":0.5175781,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.02813466638326645},{"word":"settlement","start":1901.395,"end":1901.895,"confidence":0.8520508,"punctuated_word":"settlement,","sentiment":"neutral","sentiment_score":0.05276641994714737},{"word":"whether","start":1901.9551,"end":1902.355,"confidence":0.9980469,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.026303362101316452},{"word":"i","start":1902.355,"end":1902.515,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.027508758008480072},{"word":"put","start":1902.515,"end":1902.755,"confidence":0.93603516,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.036678072065114975},{"word":"it","start":1902.755,"end":1903.155,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.049682460725307465},{"word":"in","start":1903.155,"end":1903.395,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03283115103840828},{"word":"straight","start":1903.555,"end":1903.875,"confidence":1.0,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.033693671226501465},{"word":"into","start":1903.875,"end":1904.275,"confidence":0.9873047,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.03190523013472557},{"word":"super","start":1904.275,"end":1904.775,"confidence":0.87231445,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.048251520842313766},{"word":"but","start":1905.27,"end":1905.39,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02876291051506996},{"word":"i","start":1905.39,"end":1905.51,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02439485862851143},{"word":"think","start":1905.51,"end":1905.91,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.03278621658682823},{"word":"i","start":1905.91,"end":1906.0701,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04104549437761307},{"word":"might","start":1906.0701,"end":1906.55,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.03942283242940903},{"word":"need","start":1906.55,"end":1907.05,"confidence":0.9819336,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.02997872978448868},{"word":"the","start":1907.27,"end":1907.5901,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02854365110397339},{"word":"cash","start":1907.5901,"end":1907.8301,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.01945175975561142},{"word":"on","start":1907.8301,"end":1908.15,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02773799374699593},{"word":"hand","start":1908.15,"end":1908.65,"confidence":1.0,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":0.03779103234410286},{"word":"for","start":1909.27,"end":1909.51,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03968281298875809},{"word":"a","start":1909.51,"end":1909.5901,"confidence":0.9472656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.042780064046382904},{"word":"deposit","start":1909.5901,"end":1910.0901,"confidence":1.0,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":0.031231611967086792},{"word":"on","start":1910.87,"end":1911.03,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.049261994659900665},{"word":"the","start":1911.03,"end":1911.43,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04109138995409012},{"word":"on","start":1911.43,"end":1911.67,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05537668243050575},{"word":"the","start":1911.67,"end":1911.99,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03720472753047943},{"word":"apartment","start":1911.99,"end":1912.49,"confidence":0.74316406,"punctuated_word":"apartment,","sentiment":"neutral","sentiment_score":0.03960462659597397},{"word":"so","start":1912.55,"end":1912.79,"confidence":0.94628906,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.026794347912073135},{"word":"in","start":1912.79,"end":1912.9501,"confidence":0.94921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0211838036775589},{"word":"a","start":1912.9501,"end":1913.03,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.021491490304470066},{"word":"year's","start":1913.03,"end":1913.43,"confidence":0.9633789,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":0.022111058235168457},{"word":"time","start":1913.43,"end":1913.93,"confidence":0.8417969,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.014107203111052511},{"word":"but","start":1914.31,"end":1914.55,"confidence":0.89453125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.01500297337770462},{"word":"you","start":1914.55,"end":1914.7101,"confidence":0.9770508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025331925600767136},{"word":"didn't","start":1914.7101,"end":1915.03,"confidence":0.99560547,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.01972249895334244},{"word":"include","start":1915.03,"end":1915.35,"confidence":0.8342285,"punctuated_word":"include,","sentiment":"neutral","sentiment_score":-0.03280937299132347},{"word":"say","start":1915.35,"end":1915.5901,"confidence":0.88623047,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.03272828832268715},{"word":"that","start":1915.5901,"end":1915.8301,"confidence":0.9448242,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01368793472647667},{"word":"40,000","start":1915.8301,"end":1916.73,"confidence":0.9975586,"punctuated_word":"40,000","sentiment":"neutral","sentiment_score":-0.013363360427320004},{"word":"going","start":1917.67,"end":1917.99,"confidence":0.98828125,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.013430684804916382},{"word":"into","start":1917.99,"end":1918.39,"confidence":0.93603516,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.018529843538999557},{"word":"super","start":1918.39,"end":1918.7101,"confidence":0.9428711,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.019777700304985046},{"word":"digit","start":1918.7101,"end":1919.2101,"confidence":0.8769531,"punctuated_word":"digit.","sentiment":"neutral","sentiment_score":-0.01837659627199173},{"word":"no","start":1921.015,"end":1921.175,"confidence":0.77734375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1048092171549797},{"word":"that's","start":1921.175,"end":1921.495,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.09595271199941637},{"word":"fine","start":1921.495,"end":1921.995,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":-0.04628795385360718},{"word":"yep","start":1924.935,"end":1925.435,"confidence":0.9794922,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05413253605365753},{"word":"yep","start":1928.6951,"end":1929.1951,"confidence":0.9916992,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.001198427751660347},{"word":"yep","start":1933.5751,"end":1934.0751,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.013070042245090008},{"word":"yep","start":1937.13,"end":1937.63,"confidence":0.9909668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.010279306210577488},{"word":"okay","start":1937.85,"end":1938.35,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.026360146701335907},{"word":"so","start":1939.5299,"end":1939.69,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03144057095050812},{"word":"you","start":1939.69,"end":1939.9299,"confidence":0.97314453,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030296985059976574},{"word":"did","start":1939.9299,"end":1940.1699,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04882534220814705},{"word":"include","start":1940.1699,"end":1940.57,"confidence":0.9970703,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.028324522078037265},{"word":"the","start":1940.57,"end":1940.8099,"confidence":0.89746094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.038816362619400024},{"word":"100","start":1940.8099,"end":1941.3099,"confidence":0.9526367,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.0379890576004982},{"word":"if","start":1942.57,"end":1942.8099,"confidence":0.6123047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.027079712599515915},{"word":"we","start":1942.8099,"end":1942.97,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.038260649889707565},{"word":"go","start":1942.97,"end":1943.37,"confidence":0.9941406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.03667304292321205},{"word":"over","start":1943.37,"end":1943.61,"confidence":0.89990234,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.04666115343570709},{"word":"that","start":1943.61,"end":1943.9299,"confidence":0.7739258,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.02167964354157448},{"word":"if","start":1943.9299,"end":1944.09,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.02185673639178276},{"word":"we","start":1944.09,"end":1944.25,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.023463554680347443},{"word":"put","start":1944.25,"end":1944.4099,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.014909785240888596},{"word":"that","start":1944.4099,"end":1944.57,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.030746255069971085},{"word":"in","start":1944.57,"end":1944.69,"confidence":0.8564453,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.00746685080230236},{"word":"it","start":1944.69,"end":1944.8099,"confidence":0.53466797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016668133437633514},{"word":"makes","start":1944.8099,"end":1944.97,"confidence":0.9980469,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.003277786076068878},{"word":"a","start":1944.97,"end":1945.13,"confidence":0.9223633,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010437391698360445},{"word":"big","start":1945.13,"end":1945.37,"confidence":0.99121094,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.020865052938461304},{"word":"difference","start":1945.37,"end":1945.77,"confidence":0.892334,"punctuated_word":"difference.","sentiment":"neutral","sentiment_score":-0.01370810903608799},{"word":"but","start":1945.77,"end":1945.9299,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.002050597220659256},{"word":"either","start":1945.9299,"end":1946.1699,"confidence":0.9741211,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.04618533328175545},{"word":"way","start":1946.1699,"end":1946.4099,"confidence":0.95043945,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.019417572766542435},{"word":"it'll","start":1946.4099,"end":1946.57,"confidence":0.7687988,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.014962861314415932},{"word":"be","start":1946.57,"end":1946.73,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.009964503347873688},{"word":"close","start":1946.73,"end":1946.97,"confidence":0.99316406,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.030248239636421204},{"word":"to","start":1946.97,"end":1947.13,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.010281592607498167},{"word":"1,000,000","start":1947.13,"end":1947.61,"confidence":0.99316406,"punctuated_word":"1,000,000","sentiment":"neutral","sentiment_score":-0.0012559667229652405},{"word":"without","start":1947.61,"end":1948.01,"confidence":0.9980469,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.01903005689382553},{"word":"that","start":1948.01,"end":1948.25,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.006415247917175293},{"word":"even","start":1948.25,"end":1948.57,"confidence":0.71875,"punctuated_word":"even,","sentiment":"neutral","sentiment_score":-0.012613717466592789},{"word":"but","start":1948.57,"end":1948.89,"confidence":0.99609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.01829063519835472},{"word":"that","start":1948.89,"end":1949.13,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01771744340658188},{"word":"should","start":1949.13,"end":1949.37,"confidence":0.9970703,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.027185283601284027},{"word":"go","start":1949.37,"end":1949.61,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.000773899257183075},{"word":"in","start":1949.61,"end":1949.85,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0060498639941215515},{"word":"anyway","start":1949.85,"end":1950.33,"confidence":0.8791504,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.021320238709449768},{"word":"so","start":1950.33,"end":1950.49,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07005855441093445},{"word":"alright","start":1950.57,"end":1951.005,"confidence":0.96606445,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.1191779226064682},{"word":"cool","start":1951.085,"end":1951.585,"confidence":1.0,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.19190984964370728},{"word":"i'll","start":1951.965,"end":1952.125,"confidence":0.7307129,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2164076268672943},{"word":"get","start":1952.125,"end":1952.285,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2604871988296509},{"word":"it","start":1952.285,"end":1952.445,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.21698960661888125},{"word":"that's","start":1952.445,"end":1952.685,"confidence":0.98657227,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.33109426498413086},{"word":"cool","start":1952.685,"end":1953.005,"confidence":0.99902344,"punctuated_word":"cool.","sentiment":"neutral","sentiment_score":0.30586305260658264},{"word":"no","start":1953.005,"end":1953.245,"confidence":0.95458984,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.06642712652683258},{"word":"that","start":1953.245,"end":1953.405,"confidence":0.9614258,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.05953095108270645},{"word":"looks","start":1953.405,"end":1953.645,"confidence":0.9970703,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.12099190056324004},{"word":"good","start":1953.645,"end":1954.145,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.16936805844306946},{"word":"yep","start":1958.045,"end":1958.365,"confidence":0.9152832,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1390630006790161},{"word":"yeah","start":1958.365,"end":1958.845,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2415226697921753},{"word":"good","start":1958.845,"end":1959.165,"confidence":0.99902344,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.4549618363380432},{"word":"stuff","start":1959.165,"end":1959.5651,"confidence":1.0,"punctuated_word":"stuff.","sentiment":"positive","sentiment_score":0.3748704195022583},{"word":"alright","start":1959.5651,"end":1960.0651,"confidence":0.9946289,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1899878978729248},{"word":"no","start":1960.205,"end":1960.365,"confidence":0.9980469,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.12858162820339203},{"word":"probs","start":1960.365,"end":1960.865,"confidence":0.8404948,"punctuated_word":"probs.","sentiment":"neutral","sentiment_score":0.07427634298801422},{"word":"yep","start":1972.1,"end":1972.42,"confidence":0.8327637,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25330325961112976},{"word":"yep","start":1972.42,"end":1972.92,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2029388397932053},{"word":"sounds","start":1974.26,"end":1974.58,"confidence":0.9980469,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.7511383891105652},{"word":"good","start":1974.58,"end":1974.8201,"confidence":0.98535156,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.7660652995109558},{"word":"tom","start":1974.8201,"end":1975.14,"confidence":0.9975586,"punctuated_word":"Tom.","sentiment":"positive","sentiment_score":0.7239581942558289},{"word":"very","start":1975.14,"end":1975.46,"confidence":1.0,"punctuated_word":"Very","sentiment":"positive","sentiment_score":0.8822705149650574},{"word":"good","start":1975.46,"end":1975.96,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7930177450180054},{"word":"you","start":1979.555,"end":1979.715,"confidence":0.9667969,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5288059711456299},{"word":"too","start":1979.715,"end":1979.955,"confidence":0.97436523,"punctuated_word":"too,","sentiment":"positive","sentiment_score":0.524809718132019},{"word":"mate","start":1979.955,"end":1980.195,"confidence":0.84228516,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.5736609697341919},{"word":"have","start":1980.195,"end":1980.355,"confidence":0.9658203,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.6343873143196106},{"word":"a","start":1980.355,"end":1980.435,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6555377244949341},{"word":"good","start":1980.435,"end":1980.935,"confidence":0.9980469,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.662102222442627},{"word":"break","start":1980.995,"end":1981.3151,"confidence":0.46826172,"punctuated_word":"break,","sentiment":"positive","sentiment_score":0.6617254018783569},{"word":"and","start":1981.3151,"end":1981.635,"confidence":0.7636719,"punctuated_word":"and,","sentiment":"positive","sentiment_score":0.5557878017425537},{"word":"yeah","start":1981.635,"end":1982.135,"confidence":0.9819336,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.676486074924469},{"word":"congratulations","start":1982.195,"end":1982.695,"confidence":0.9941406,"punctuated_word":"congratulations","sentiment":"positive","sentiment_score":0.8151401877403259},{"word":"too","start":1982.915,"end":1983.415,"confidence":0.7338867,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.6333925127983093},{"word":"good","start":1985.475,"end":1985.795,"confidence":0.86279297,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.7372652292251587},{"word":"on","start":1985.795,"end":1985.955,"confidence":0.6220703,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.8378379940986633},{"word":"yourself","start":1985.955,"end":1986.275,"confidence":0.7558594,"punctuated_word":"yourself.","sentiment":"positive","sentiment_score":0.7739962339401245},{"word":"cheers","start":1986.275,"end":1986.595,"confidence":0.99283856,"punctuated_word":"Cheers,","sentiment":"positive","sentiment_score":0.6707972288131714},{"word":"mate","start":1986.595,"end":1987.095,"confidence":0.98583984,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.6342054605484009},{"word":"see","start":1987.955,"end":1988.115,"confidence":0.94628906,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.4161135256290436},{"word":"you","start":1988.115,"end":1988.275,"confidence":0.98657227,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.413046658039093},{"word":"bye","start":1988.275,"end":1988.775,"confidence":0.9926758,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.1103776842355728}],"paragraphs":{"transcript":"\nGood, Tom. Yourself? Nice. Good. Good.\n\nSorry I missed your call. I didn't see it pop up, so all good. But yeah. That was great. Yeah.\n\nNo worries. But, yeah, I just wanna have a chat. My situation sort of changed a bit. I've had a separation in marriage, and so I'm I'm looking first of all, I suppose my insurances, I kinda need to relook at, I think, because I've I've I've had for about a year just it's just ticked over a year now. There was a quite a big jump in the premium even after one year.\n\nIt went up sort of, like, 25%. So I kinda wanna evaluate that a bit and also my super as well. I need to sort of make sure I'm on track. I'm sort of trying to put in 500 a week at the moment, which is not a small amount. So I'm hoping to do 30 a year.\n\nSo I just wanna make sure I'm sort of, you know, sort of in the loop in seeing what's sort of going on because I haven't sort of looked at it for a while. Yep. Yep. Yep. Yep.\n\nYep. Well, no. Basically, we're sort of going through a mediation sort of thing now. So it's only been, you know, sort of four months. So, yeah, it's sort of been we we had an investment property, which is just well, it's settling actually as well as we speak.\n\nBut yeah. So, I mean, that's not a great, you know, huge profit we gotta make out of that. But regardless, I suppose, you know, we haven't got to the part of, you know, separating super or anything like that at the moment. So it's not yeah. We're not inked up to that page.\n\nMhmm. Yep. Yep. Yep. Look.\n\nIt's going way down since then. We sold it for about $4.30, I think it was in the end. Sorry. Hang on. Yeah.\n\nIt was no $5.30 and then we owed we still owed sort of 400 on it. So they might I'd I'm I'm sort of I think we gotta probably end up with 40 each at the end of the day. So, yeah, so it's not a great great result, but it is what it is. But and then what I've got in super, and then we still have to sort of get on the track. I think some of my wife's suit might go to me.\n\nI'm not sure. But, yeah, might might be another maybe 80 to 100 coming off that. But it won't be for a while. It might be for months. Yeah.\n\nI think so. It's got well, I think we gotta be a while off that because it's still gotta get a a group mediation, which might be in a few months. I'm not sure at the moment. Yeah. Yeah.\n\nI've got shares probably 55 now. Savings wise and all that, I suppose it's, you know, about 50. So yeah. Mhmm. Should be 1 Slash 17.\n\nYeah. Yep. Yeah. That's fine. Yep.\n\nYep. Yeah. It's probably a bit more than that, but yeah. Pretty much. $100,100 20.\n\nYeah. Well, I've seen now on 15. Well, no. Like, that is definitely what I wanna sort of consider because, I mean, ideally, by 60 half 1,000,000 in super. And I'm looking at doing, you know, the maximum of 30,000 a year as it, you know, sort of as it is up until that point.\n\nSo that's the goal for me, but whether or not I can reach that in that time. It's another issue, but might take over a bit more. Well, yeah, I'm thinking of so I've gotta make my account next week or, yeah, next week and go through. I'm thinking of a two bedroom apartment, you know, so not for probably a year or so. I've just signed a lease at the moment.\n\nSo, yeah, looking to buy maybe, yeah, maybe in a year. No. I don't. But I do yeah. Look.\n\nI can't, off the top of my head, recall exactly what what we've got. But I know we had income protection. We had life, and we also had the MetLife outside of that as well going out once a month. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yeah. I mean, it's tight. But, yeah, I mean, it's tight, but, I mean, that would be, yeah, the bare minimum, I suppose. Yep.\n\nRight. Yep. Yep. Yep. Yep.\n\nYeah. Yep. I reckon it's between $4.50 and 500. Yeah. Yeah.\n\nI mean, if it's if there's much of a much in terms of the premium, then I'm happy to keep that going. But, you know, if there's a big difference and obviously from my insurance, I'd rather sort of bring it down. Per year? Yeah. Okay.\n\nWell, look, that's if you if you do think that's a bit of over insured at the moment, that that makes a definite difference, I think, if we go for that one. Yep. Yep. Yep. Yep.\n\nYep. K. Yep. Yep. Yep.\n\nNow, well, this is what I wanna avoid because it seemed to go up quite a lot last year. It was up, like, 25%. Oh, it's like, jeez. It's quite a kick. But is there that that's just the way it is.\n\nIs that what what happens every year? Yeah. Well, this is the thing. I think I've sort of I'm still playing a bit of catch up. So I need to yeah.\n\nI mean, I need, obviously, to get the super up, but it's a catch 22. It eats into the super, doesn't it? So what what's the best course of action with that then? Yep. Yep.\n\nYep. Yeah. So is there no default insurance with any of the super? Yeah. Yeah.\n\nI understand that. It's it's necessary because I've got my own business and it's not like I've got work cover or anything, you know. So I understand that's and and I think that is the bare minimum, you know, income protection wise that I would need. So yeah. I mean, that I have to take on the chin, I suppose.\n\nBut Yeah. Well, maybe that's something we look at when it's further down the track, like, when I build the super up a bit more. And that's the thing, like, even with, you know, the settlement and and also if there's some extra super going in through my wife's account, then, yeah, maybe in a couple of years, I can kinda look to do that, I suppose. Might be the best way. Yep.\n\nYep. Yeah. That's cool. Yep. Yep.\n\nYeah. Yep. Yeah. So so what is it now? Is it about 5,000 a year or something?\n\nWhat what with yes. Yeah. It would be good to get it to that 4,000 and because I just yeah. If I'm putting 30,000 in a year, then, you know, I could almost look at trying to do 35, which is tough. But at the same time, I usually get to because with my shares, I'm sort of doing okay with, like, take a lump sum out of that once a year, which I did last year.\n\nI put another 5,000 or something, and I can't remember exactly, but I plan to do the same this year. So ideally, you know, say I'm putting in 35, then what's the cap now? Is it 32? Yeah. And say if I'm doing that, at least that covers a portion of the insurance.\n\nSo does it go up to 30% after that? Yeah. We have got I probably have got some lay low leeway there. But do you do that, or is my account gonna put that? Yeah.\n\nYeah. I think grab it grab it later. Is that something we have to do before the end of the next year or after is fine? Yeah. Yeah.\n\nI mean, that's yeah. I get it. So I'd be well under that sort of cap anyway for the last five years. So, you know, probably we'll only get to the 30 this year, but we'll look at it, I suppose, in the next financial. Yep.\n\nYep. Yep. Yep. So did that come off? Does that come sorry.\n\nSo I'm does that come off the so it says I'll put in 32 for for for argument, say, 5,000 in insurances. Does that come off the 32? Do you know what I mean? Okay. Alright.\n\nAlright. It's okay. I I think I will have some leeway with that. Yeah. I will have some leeway with that last five years, so that's okay.\n\nYep. Yeah. Yeah. Yep. Yep.\n\nYep. Yeah. I'm also doing four yeah. I'm doing 400 a month as well. I don't know why I did that, but I think I missed the direct debit.\n\nSo there's there is 500 going in because there's an extra 400 going in once a month. So yeah. Yeah. I should just change that. Do that.\n\nJust because why why I canceled it for some reason, and then when I should have did then I just kept that once a month. Some reason, it was going out once a month, and I was like, oh, no. So I I just kept that, but I still do the 400. So it is 400 away. Yeah.\n\nI think you guys did it last year. So yeah. Yep. Yeah. Certainly did.\n\nYeah. Well, I'm doing it with my share account. I was getting 40% when I was thinking I was a bloody genius. I think I was Warren Buffett, but now I'm on 10%. So, anyway, I get it.\n\nYeah. I think it's it's called a shit sandwich, actually, Tom. But anyway, call it what you want. Oh, that's bad. Yeah.\n\nBecause last time I heard it was 9%, and I was like, oh, jeez. Yep. Yep. Yep. Yeah.\n\nThat's cool. That's fine. Yep. Yeah. Because that's what I've that's all I do every day is just listen to podcast about it.\n\nAnd apparently, yeah, this trial is pretty pretty short at the moment. So yep. What gets the best result really, to be honest, Tom? Like, it's sort of I know I have yeah. Like you say, I reckon I have ten years to make it happen.\n\nSo whatever's gonna work, I mean, obviously, when I get closer to 60, I don't want too much of the risk. But at the moment, I have to kinda throw caution in a little bit. Yeah. Yep. Yep.\n\nYep. Yep. And what I've noticed as well, it doesn't seem I don't know the total amount which is invested at the moment. I'm only seeing occasional buyers and of low amounts. I just wanna make sure yeah.\n\nI just wanna make sure that we're investing everything because I don't wanna sit in cash for I don't know those figures at all. So I'm just hoping that, you know, it's all invested and not just half of it sitting in cash because defeats the whole purpose design. Yeah. That's That's Yep. Yep.\n\nYep. That's fine. Yeah. Yeah. That's cool.\n\nI get that. Yep. Okay. Cool. That sounds good.\n\nYeah. Is that you know, I know you can't give me exact here, but does it look good from that perspective of what we're talking about? So that mill? Yeah. Yeah.\n\nI get it. Yep. No. I mean, it would be the kids that I'd want it to go to. You know, I suppose that's the norm thing to do in this case.\n\nSo but I maybe we'd look at that sort of down the track a bit more when everything's, you know, finalized. Yep. Yeah. Look, hoping to be sort of 62, to be honest, but, yeah, we'll see. Yep.\n\nYep. Okay. Yeah. And then so there's a 100 is that including the 100 thousands, like, maybe that comes in with the setup well, the the boss, I suppose, is the way to say it. But yeah.\n\nYep. Yep. Yep. Wow. Okay.\n\nYep. Yeah. Yeah. Yep. Yep.\n\nYep. Yep. Yep. Yep. That's good.\n\nThat's good. And it's keeping my my shares out of that. It's just because I'm playing with that to try and get the extra in there once a year. So, yeah, that's good. That sounds really good, Tom.\n\nGood on that. Good on that. Good on that. Congratulations. Yep.\n\nYep. No. I'm happy with that time and it's yeah. Yeah. I know it's been a few mix.\n\nNot well, there's been a few changes to half as well, so it's good that I can I can sort of rely on you? That's good. And also the fee fee is why because yeah. Just the bottom of my mind. Sorry, mate.\n\nIt's just the I think we get a discount on the fees because we're a couple you know, we got some discount on the percentage that we're getting charged. Does that still apply? Yep. Yep. Yeah.\n\nYep. Yeah. I understand. Is it one point what is it now? One point?\n\nYeah. It's a good difference. Yep. Yeah. I get it.\n\nThat's cool. No. That's good. Yep. Yeah.\n\nNo stress. That's all good. Yep. Yep. So, I mean, I'm sort of toying with the idea.\n\nSo if I get 40,000 out of this settlement, whether I put it in straight into super, but I think I might need the cash on hand for a deposit on the on the apartment, so in a year's time. But you didn't include, say, that 40,000 going into super digit. No. That's fine. Yep.\n\nYep. Yep. Yep. Okay. So you did include the 100 if we go over that.\n\nIf we put that in, it makes a big difference. But either way, it'll be close to 1,000,000 without that even, but that should go in anyway. So alright. Cool. I'll get it.\n\nThat's cool. No. That looks good. Yep. Yeah.\n\nGood stuff. Alright. No probs. Yep. Yep.\n\nSounds good, Tom. Very good. You too, mate. Have a good break, and, yeah, congratulations too. Good on yourself.\n\nCheers, mate. See you. Bye.","paragraphs":[{"sentences":[{"text":"Good, Tom.","start":5.12,"end":5.6,"sentiment":"positive","sentiment_score":0.4294939935207367},{"text":"Yourself?","start":5.6,"end":6.1,"sentiment":"neutral","sentiment_score":0.2859499454498291},{"text":"Nice.","start":12.719999,"end":13.095,"sentiment":"positive","sentiment_score":0.580157995223999},{"text":"Good.","start":13.335,"end":13.575,"sentiment":"positive","sentiment_score":0.5094314217567444},{"text":"Good.","start":13.575,"end":13.975,"sentiment":"positive","sentiment_score":0.3596041798591614}],"sentiment":"positive","sentiment_score":0.43235525488853455,"num_words":6,"start":5.12,"end":13.975},{"sentences":[{"text":"Sorry I missed your call.","start":13.975,"end":14.8550005,"sentiment":"neutral","sentiment_score":0.0192355465143919},{"text":"I didn't see it pop up, so all good.","start":14.8550005,"end":17.335,"sentiment":"neutral","sentiment_score":0.0011079636298947865},{"text":"But yeah.","start":17.335,"end":18.235,"sentiment":"neutral","sentiment_score":0.02244917582720518},{"text":"That was great.","start":21.895,"end":22.795,"sentiment":"neutral","sentiment_score":0.15851929287115732},{"text":"Yeah.","start":23.735,"end":24.055,"sentiment":"neutral","sentiment_score":0.04606398195028305}],"sentiment":"neutral","sentiment_score":0.0336334808729589,"num_words":20,"start":13.975,"end":24.055},{"sentences":[{"text":"No worries.","start":24.055,"end":24.695,"sentiment":"neutral","sentiment_score":0.05094985291361809},{"text":"But, yeah, I just wanna have a chat.","start":24.695,"end":26.455,"sentiment":"neutral","sentiment_score":0.05714818462729454},{"text":"My situation sort of changed a bit.","start":26.455,"end":28.455,"sentiment":"neutral","sentiment_score":-0.03438630434019225},{"text":"I've had a separation in marriage, and so I'm I'm looking first of all, I suppose my insurances, I kinda need to relook at, I think, because I've I've I've had for about a year just it's just ticked over a year now.","start":28.455,"end":44.524998,"sentiment":"neutral","sentiment_score":-0.010414484476800575},{"text":"There was a quite a big jump in the premium even after one year.","start":44.524998,"end":49.965,"sentiment":"neutral","sentiment_score":-0.03270875981875828}],"sentiment":"neutral","sentiment_score":-0.007937356993253972,"num_words":74,"start":24.055,"end":49.965},{"sentences":[{"text":"It went up sort of, like, 25%.","start":49.965,"end":52.204998,"sentiment":"neutral","sentiment_score":-0.0013996679335832598},{"text":"So I kinda wanna evaluate that a bit and also my super as well.","start":52.204998,"end":58.045,"sentiment":"neutral","sentiment_score":0.14581637723105295},{"text":"I need to sort of make sure I'm on track.","start":58.045,"end":60.18,"sentiment":"neutral","sentiment_score":0.1445293329656124},{"text":"I'm sort of trying to put in 500 a week at the moment, which is not a small amount.","start":60.18,"end":64.98,"sentiment":"neutral","sentiment_score":0.07025705532808053},{"text":"So I'm hoping to do 30 a year.","start":64.98,"end":67.240005,"sentiment":"neutral","sentiment_score":0.09179838420823216}],"sentiment":"neutral","sentiment_score":0.09562407000439949,"num_words":58,"start":49.965,"end":67.240005},{"sentences":[{"text":"So I just wanna make sure I'm sort of, you know, sort of in the loop in seeing what's sort of going on because I haven't sort of looked at it for a while.","start":68.58,"end":76.855,"sentiment":"neutral","sentiment_score":0.04122410344836466},{"text":"Yep.","start":82.195,"end":82.695,"sentiment":"neutral","sentiment_score":0.04796382412314415},{"text":"Yep.","start":85.62,"end":86.12,"sentiment":"neutral","sentiment_score":0.04099208116531372},{"text":"Yep.","start":94.58,"end":95.08,"sentiment":"neutral","sentiment_score":0.03403880447149277},{"text":"Yep.","start":96.58,"end":96.82,"sentiment":"neutral","sentiment_score":0.09114884585142136}],"sentiment":"neutral","sentiment_score":0.04252008086462554,"num_words":38,"start":68.58,"end":96.82},{"sentences":[{"text":"Yep.","start":96.82,"end":97.32,"sentiment":"neutral","sentiment_score":0.14830617606639862},{"text":"Well, no.","start":107.345,"end":108.225006,"sentiment":"neutral","sentiment_score":-0.05528945755213499},{"text":"Basically, we're sort of going through a mediation sort of thing now.","start":108.225006,"end":111.265,"sentiment":"neutral","sentiment_score":-0.07630760533114274},{"text":"So it's only been, you know, sort of four months.","start":111.265,"end":114.08501,"sentiment":"neutral","sentiment_score":-0.01845364533364773},{"text":"So, yeah, it's sort of been we we had an investment property, which is just well, it's settling actually as well as we speak.","start":114.145004,"end":122.49,"sentiment":"neutral","sentiment_score":0.07420865135888259}],"sentiment":"neutral","sentiment_score":0.014663411760512663,"num_words":49,"start":96.82,"end":122.49},{"sentences":[{"text":"But yeah.","start":122.49,"end":125.229996,"sentiment":"neutral","sentiment_score":-0.05182265490293503},{"text":"So, I mean, that's not a great, you know, huge profit we gotta make out of that.","start":125.29,"end":130.22499,"sentiment":"neutral","sentiment_score":-0.2624426913612029},{"text":"But regardless, I suppose, you know, we haven't got to the part of, you know, separating super or anything like that at the moment.","start":130.22499,"end":137.985,"sentiment":"neutral","sentiment_score":-0.1436287279551228},{"text":"So it's not yeah.","start":137.985,"end":139.20499,"sentiment":"neutral","sentiment_score":-0.06264975387603045},{"text":"We're not inked up to that page.","start":139.265,"end":140.965,"sentiment":"neutral","sentiment_score":-0.03549077015902315}],"sentiment":"neutral","sentiment_score":-0.15761657297197315,"num_words":54,"start":122.49,"end":140.965},{"sentences":[{"text":"Mhmm.","start":152.06,"end":152.56,"sentiment":"neutral","sentiment_score":-0.009675031527876854},{"text":"Yep.","start":157.11499,"end":157.61499,"sentiment":"neutral","sentiment_score":-0.005446223076432943},{"text":"Yep.","start":165.75499,"end":165.995,"sentiment":"neutral","sentiment_score":0.003520537866279483},{"text":"Yep.","start":165.995,"end":166.495,"sentiment":"neutral","sentiment_score":0.0038363232742995024},{"text":"Look.","start":176.61,"end":176.93,"sentiment":"neutral","sentiment_score":-0.1033291220664978}],"sentiment":"neutral","sentiment_score":-0.022218703106045724,"num_words":5,"start":152.06,"end":176.93},{"sentences":[{"text":"It's going way down since then.","start":176.93,"end":178.37,"sentiment":"negative","sentiment_score":-0.3571009039878845},{"text":"We sold it for about $4.30, I think it was in the end.","start":178.37,"end":182.23,"sentiment":"neutral","sentiment_score":-0.23640441321409666},{"text":"Sorry.","start":182.61,"end":183.11,"sentiment":"neutral","sentiment_score":-0.17186236381530762},{"text":"Hang on.","start":183.65,"end":184.39,"sentiment":"neutral","sentiment_score":-0.12471526116132736},{"text":"Yeah.","start":185.17,"end":185.41,"sentiment":"neutral","sentiment_score":-0.08439147472381592}],"sentiment":"neutral","sentiment_score":-0.24876291985097138,"num_words":23,"start":176.93,"end":185.41},{"sentences":[{"text":"It was no $5.30 and then we owed we still owed sort of 400 on it.","start":185.41,"end":191.965,"sentiment":"neutral","sentiment_score":-0.19586886651813984},{"text":"So they might I'd I'm I'm sort of I think we gotta probably end up with 40 each at the end of the day.","start":191.965,"end":199.485,"sentiment":"neutral","sentiment_score":-0.15472936940689883},{"text":"So, yeah, so it's not a great great result, but it is what it is.","start":199.485,"end":204.96,"sentiment":"neutral","sentiment_score":-0.11164901554584503},{"text":"But and then what I've got in super, and then we still have to sort of get on the track.","start":204.96,"end":212.24,"sentiment":"neutral","sentiment_score":-0.015285089891403914},{"text":"I think some of my wife's suit might go to me.","start":212.24,"end":214.985,"sentiment":"neutral","sentiment_score":-0.12797994166612625}],"sentiment":"neutral","sentiment_score":-0.11901887348138315,"num_words":86,"start":185.41,"end":214.985},{"sentences":[{"text":"I'm not sure.","start":214.985,"end":215.705,"sentiment":"neutral","sentiment_score":-0.12842955688635507},{"text":"But, yeah, might might be another maybe 80 to 100 coming off that.","start":215.705,"end":221.545,"sentiment":"neutral","sentiment_score":-0.10465416140281238},{"text":"But it won't be for a while.","start":221.545,"end":222.745,"sentiment":"neutral","sentiment_score":-0.16379159901823317},{"text":"It might be for months.","start":222.745,"end":223.885,"sentiment":"neutral","sentiment_score":-0.10697237402200699},{"text":"Yeah.","start":227.81,"end":228.20999,"sentiment":"neutral","sentiment_score":0.009468713775277138}],"sentiment":"neutral","sentiment_score":-0.11785265925372469,"num_words":29,"start":214.985,"end":228.20999},{"sentences":[{"text":"I think so.","start":228.20999,"end":229.01,"sentiment":"neutral","sentiment_score":0.0029108934104442596},{"text":"It's got well, I think we gotta be a while off that because it's still gotta get a a group mediation, which might be in a few months.","start":229.01,"end":235.65,"sentiment":"neutral","sentiment_score":-0.05066104984975287},{"text":"I'm not sure at the moment.","start":235.65,"end":237.03,"sentiment":"neutral","sentiment_score":-0.10300877566138904},{"text":"Yeah.","start":250.115,"end":250.615,"sentiment":"neutral","sentiment_score":0.022196326404809952},{"text":"Yeah.","start":254.56,"end":254.88,"sentiment":"neutral","sentiment_score":0.039395999163389206}],"sentiment":"neutral","sentiment_score":-0.05041633446056109,"num_words":39,"start":228.20999,"end":254.88},{"sentences":[{"text":"I've got shares probably 55 now.","start":254.88,"end":257.3,"sentiment":"neutral","sentiment_score":0.025035607318083446},{"text":"Savings wise and all that, I suppose it's, you know, about 50.","start":259.52,"end":263.14,"sentiment":"neutral","sentiment_score":0.033458091163386904},{"text":"So yeah.","start":264.56,"end":265.62,"sentiment":"neutral","sentiment_score":0.1439274623990059},{"text":"Mhmm.","start":279.485,"end":279.965,"sentiment":"neutral","sentiment_score":0.021411892026662827},{"text":"Should be 1 Slash 17.","start":279.965,"end":281.66498,"sentiment":"neutral","sentiment_score":0.01962579134851694}],"sentiment":"neutral","sentiment_score":0.036888711978323184,"num_words":26,"start":254.88,"end":281.66498},{"sentences":[{"text":"Yeah.","start":284.5,"end":285.0,"sentiment":"neutral","sentiment_score":0.010461967438459396},{"text":"Yep.","start":286.98,"end":287.48,"sentiment":"neutral","sentiment_score":0.0552472248673439},{"text":"Yeah.","start":297.345,"end":297.665,"sentiment":"neutral","sentiment_score":0.12007805705070496},{"text":"That's fine.","start":297.665,"end":298.48502,"sentiment":"neutral","sentiment_score":0.1595509871840477},{"text":"Yep.","start":309.49,"end":309.99,"sentiment":"neutral","sentiment_score":0.043288394808769226}],"sentiment":"neutral","sentiment_score":0.09136293642222881,"num_words":6,"start":284.5,"end":309.99},{"sentences":[{"text":"Yep.","start":311.88998,"end":312.38998,"sentiment":"neutral","sentiment_score":0.041511766612529755},{"text":"Yeah.","start":314.37,"end":314.77,"sentiment":"neutral","sentiment_score":0.04159780219197273},{"text":"It's probably a bit more than that, but yeah.","start":314.77,"end":317.09,"sentiment":"neutral","sentiment_score":0.007840309085117446},{"text":"Pretty much.","start":317.09,"end":317.81,"sentiment":"positive","sentiment_score":0.36066386103630066},{"text":"$100,100 20.","start":317.81,"end":319.18997,"sentiment":"neutral","sentiment_score":0.17258183658123016}],"sentiment":"neutral","sentiment_score":0.08134424972037474,"num_words":15,"start":311.88998,"end":319.18997},{"sentences":[{"text":"Yeah.","start":325.805,"end":326.125,"sentiment":"neutral","sentiment_score":0.07608485221862793},{"text":"Well, I've seen now on 15.","start":326.125,"end":328.385,"sentiment":"neutral","sentiment_score":0.126142255961895},{"text":"Well, no.","start":346.96002,"end":347.76,"sentiment":"neutral","sentiment_score":0.003063233569264412},{"text":"Like, that is definitely what I wanna sort of consider because, I mean, ideally, by 60 half 1,000,000 in super.","start":347.76,"end":357.245,"sentiment":"neutral","sentiment_score":0.02741389153525233},{"text":"And I'm looking at doing, you know, the maximum of 30,000 a year as it, you know, sort of as it is up until that point.","start":358.745,"end":368.07,"sentiment":"neutral","sentiment_score":0.09687520620914605}],"sentiment":"neutral","sentiment_score":0.07101996449584311,"num_words":55,"start":325.805,"end":368.07},{"sentences":[{"text":"So that's the goal for me, but whether or not I can reach that in that time.","start":368.07,"end":373.67,"sentiment":"neutral","sentiment_score":0.05317611115820268},{"text":"It's another issue, but might take over a bit more.","start":373.67,"end":376.97,"sentiment":"neutral","sentiment_score":-0.32746762186288836},{"text":"Well, yeah, I'm thinking of so I've gotta make my account next week or, yeah, next week and go through.","start":381.285,"end":388.325,"sentiment":"neutral","sentiment_score":0.039827116578817365},{"text":"I'm thinking of a two bedroom apartment, you know, so not for probably a year or so.","start":388.325,"end":395.06,"sentiment":"neutral","sentiment_score":0.08269178253762863},{"text":"I've just signed a lease at the moment.","start":395.92,"end":397.52,"sentiment":"neutral","sentiment_score":0.14041044656187296}],"sentiment":"neutral","sentiment_score":0.013262553864883052,"num_words":72,"start":368.07,"end":397.52},{"sentences":[{"text":"So, yeah, looking to buy maybe, yeah, maybe in a year.","start":397.52,"end":402.66,"sentiment":"neutral","sentiment_score":0.13539240170608868},{"text":"No.","start":418.06998,"end":418.38998,"sentiment":"neutral","sentiment_score":-0.10799790918827055},{"text":"I don't.","start":418.38998,"end":419.12997,"sentiment":"neutral","sentiment_score":-0.09762931242585182},{"text":"But I do yeah.","start":419.19,"end":421.19,"sentiment":"neutral","sentiment_score":-0.05791216529905796},{"text":"Look.","start":421.19,"end":421.43,"sentiment":"neutral","sentiment_score":-0.09254077076911926}],"sentiment":"neutral","sentiment_score":0.04536160277692895,"num_words":19,"start":397.52,"end":421.43},{"sentences":[{"text":"I can't, off the top of my head, recall exactly what what we've got.","start":421.43,"end":425.34998,"sentiment":"neutral","sentiment_score":-0.13128740979092463},{"text":"But I know we had income protection.","start":425.34998,"end":428.97,"sentiment":"neutral","sentiment_score":-0.09108069326196398},{"text":"We had life, and we also had the MetLife outside of that as well going out once a month.","start":429.34998,"end":436.725,"sentiment":"neutral","sentiment_score":-0.08534121258478415},{"text":"Yeah.","start":436.725,"end":437.225,"sentiment":"neutral","sentiment_score":0.10076001286506651},{"text":"Yep.","start":441.285,"end":441.785,"sentiment":"neutral","sentiment_score":0.06964777410030365}],"sentiment":"neutral","sentiment_score":-0.0934919962393386,"num_words":42,"start":421.43,"end":441.785},{"sentences":[{"text":"Yep.","start":454.94,"end":455.44,"sentiment":"neutral","sentiment_score":0.028654631227254868},{"text":"Yep.","start":458.7,"end":459.2,"sentiment":"neutral","sentiment_score":0.05720367282629013},{"text":"Yep.","start":459.405,"end":459.905,"sentiment":"neutral","sentiment_score":0.07154174894094467},{"text":"Yep.","start":468.205,"end":468.705,"sentiment":"neutral","sentiment_score":-0.08406122773885727},{"text":"Yep.","start":470.285,"end":470.785,"sentiment":"neutral","sentiment_score":0.08565228432416916}],"sentiment":"neutral","sentiment_score":0.03179822191596031,"num_words":5,"start":454.94,"end":470.785},{"sentences":[{"text":"Yep.","start":485.76,"end":486.08,"sentiment":"neutral","sentiment_score":0.20755138993263245},{"text":"Yeah.","start":486.08,"end":486.28,"sentiment":"neutral","sentiment_score":0.04853817820549011},{"text":"I mean, it's tight.","start":486.28,"end":487.54,"sentiment":"neutral","sentiment_score":-0.030962012708187103},{"text":"But, yeah, I mean, it's tight, but, I mean, that would be, yeah, the bare minimum, I suppose.","start":488.08,"end":493.915,"sentiment":"neutral","sentiment_score":-0.03458125206331412},{"text":"Yep.","start":503.29,"end":503.79,"sentiment":"neutral","sentiment_score":0.008944007568061352}],"sentiment":"neutral","sentiment_score":-0.019251080490648748,"num_words":25,"start":485.76,"end":503.79},{"sentences":[{"text":"Right.","start":515.60504,"end":516.10504,"sentiment":"neutral","sentiment_score":0.018086161464452744},{"text":"Yep.","start":521.445,"end":521.945,"sentiment":"neutral","sentiment_score":0.03256624564528465},{"text":"Yep.","start":522.325,"end":522.825,"sentiment":"neutral","sentiment_score":0.025669975206255913},{"text":"Yep.","start":531.98,"end":532.48,"sentiment":"neutral","sentiment_score":0.11697480082511902},{"text":"Yep.","start":539.66,"end":540.16,"sentiment":"neutral","sentiment_score":0.1066734418272972}],"sentiment":"neutral","sentiment_score":0.05999412499368191,"num_words":5,"start":515.60504,"end":540.16},{"sentences":[{"text":"Yeah.","start":540.7,"end":541.2,"sentiment":"neutral","sentiment_score":0.14325378835201263},{"text":"Yep.","start":546.875,"end":547.375,"sentiment":"neutral","sentiment_score":0.027339687570929527},{"text":"I reckon it's between $4.50 and 500.","start":549.355,"end":551.935,"sentiment":"neutral","sentiment_score":0.012244782942746366},{"text":"Yeah.","start":554.635,"end":555.135,"sentiment":"neutral","sentiment_score":0.010973579250276089},{"text":"Yeah.","start":569.355,"end":569.855,"sentiment":"neutral","sentiment_score":0.02001488208770752}],"sentiment":"neutral","sentiment_score":0.026117765260013668,"num_words":11,"start":540.7,"end":569.855},{"sentences":[{"text":"I mean, if it's if there's much of a much in terms of the premium, then I'm happy to keep that going.","start":569.915,"end":575.355,"sentiment":"neutral","sentiment_score":0.02427073678171093},{"text":"But, you know, if there's a big difference and obviously from my insurance, I'd rather sort of bring it down.","start":575.355,"end":580.415,"sentiment":"neutral","sentiment_score":-0.2936472695320845},{"text":"Per year?","start":600.145,"end":600.965,"sentiment":"neutral","sentiment_score":-0.005167363211512566},{"text":"Yeah.","start":601.185,"end":601.585,"sentiment":"neutral","sentiment_score":0.02288009598851204},{"text":"Okay.","start":601.585,"end":602.085,"sentiment":"neutral","sentiment_score":0.06618410348892212}],"sentiment":"neutral","sentiment_score":-0.1143534719215139,"num_words":46,"start":569.915,"end":602.085},{"sentences":[{"text":"Well, look, that's if you if you do think that's a bit of over insured at the moment, that that makes a definite difference, I think, if we go for that one.","start":602.385,"end":610.965,"sentiment":"neutral","sentiment_score":0.05394887292641215},{"text":"Yep.","start":621.97003,"end":622.47003,"sentiment":"neutral","sentiment_score":0.3216860294342041},{"text":"Yep.","start":627.365,"end":627.865,"sentiment":"neutral","sentiment_score":0.08461498469114304},{"text":"Yep.","start":631.405,"end":631.905,"sentiment":"neutral","sentiment_score":0.07695896178483963},{"text":"Yep.","start":635.445,"end":635.945,"sentiment":"neutral","sentiment_score":0.0788334459066391}],"sentiment":"neutral","sentiment_score":0.06356825987394485,"num_words":36,"start":602.385,"end":635.945},{"sentences":[{"text":"Yep.","start":639.605,"end":640.105,"sentiment":"neutral","sentiment_score":0.026839271187782288},{"text":"K.","start":640.40497,"end":640.83,"sentiment":"neutral","sentiment_score":-0.034611769020557404},{"text":"Yep.","start":653.39,"end":653.89,"sentiment":"neutral","sentiment_score":-0.11271709203720091},{"text":"Yep.","start":655.485,"end":655.985,"sentiment":"neutral","sentiment_score":-0.04114951938390732},{"text":"Yep.","start":657.485,"end":657.96497,"sentiment":"neutral","sentiment_score":0.007576518692076206}],"sentiment":"neutral","sentiment_score":-0.03081251811236143,"num_words":5,"start":639.605,"end":657.96497},{"sentences":[{"text":"Now, well, this is what I wanna avoid because it seemed to go up quite a lot last year.","start":657.96497,"end":662.125,"sentiment":"neutral","sentiment_score":-0.16095875595745288},{"text":"It was up, like, 25%.","start":662.125,"end":663.805,"sentiment":"neutral","sentiment_score":0.07684568166732789},{"text":"Oh, it's like, jeez.","start":663.805,"end":664.865,"sentiment":"neutral","sentiment_score":-0.03950603026896715},{"text":"It's quite a kick.","start":665.40497,"end":666.52496,"sentiment":"neutral","sentiment_score":-0.13877625204622746},{"text":"But is there that that's just the way it is.","start":666.52496,"end":670.07,"sentiment":"neutral","sentiment_score":-0.1543711967766285}],"sentiment":"neutral","sentiment_score":-0.11740069171147686,"num_words":42,"start":657.96497,"end":670.07},{"sentences":[{"text":"Is that what what happens every year?","start":670.07,"end":672.33,"sentiment":"neutral","sentiment_score":-0.09119479304977826},{"text":"Yeah.","start":691.145,"end":691.465,"sentiment":"neutral","sentiment_score":0.018664922565221783},{"text":"Well, this is the thing.","start":691.465,"end":692.905,"sentiment":"neutral","sentiment_score":-0.029639162868261338},{"text":"I think I've sort of I'm still playing a bit of catch up.","start":692.905,"end":696.025,"sentiment":"neutral","sentiment_score":-0.21943253966478202},{"text":"So I need to yeah.","start":696.025,"end":698.72003,"sentiment":"neutral","sentiment_score":-0.17270964086055757}],"sentiment":"neutral","sentiment_score":-0.14464727945385442,"num_words":31,"start":670.07,"end":698.72003},{"sentences":[{"text":"I mean, I need, obviously, to get the super up, but it's a catch 22.","start":698.72003,"end":703.28,"sentiment":"neutral","sentiment_score":-0.17936722735563915},{"text":"It eats into the super, doesn't it?","start":703.28,"end":705.04,"sentiment":"neutral","sentiment_score":-0.26941111790282385},{"text":"So what what's the best course of action with that then?","start":705.04,"end":708.82,"sentiment":"neutral","sentiment_score":0.04043038697405295},{"text":"Yep.","start":722.865,"end":723.265,"sentiment":"neutral","sentiment_score":0.15416716039180756},{"text":"Yep.","start":723.265,"end":723.745,"sentiment":"neutral","sentiment_score":0.1299048811197281}],"sentiment":"neutral","sentiment_score":-0.10993085535509246,"num_words":35,"start":698.72003,"end":723.745},{"sentences":[{"text":"Yep.","start":723.745,"end":724.245,"sentiment":"neutral","sentiment_score":0.13868442177772522},{"text":"Yeah.","start":730.76,"end":731.0,"sentiment":"neutral","sentiment_score":0.08349531888961792},{"text":"So is there no default insurance with any of the super?","start":731.0,"end":735.18005,"sentiment":"neutral","sentiment_score":0.018180268393321472},{"text":"Yeah.","start":749.245,"end":749.485,"sentiment":"neutral","sentiment_score":-0.042795587331056595},{"text":"Yeah.","start":749.485,"end":749.985,"sentiment":"neutral","sentiment_score":-0.033053476363420486}],"sentiment":"neutral","sentiment_score":0.023087575286626815,"num_words":15,"start":723.745,"end":749.985},{"sentences":[{"text":"I understand that.","start":750.125,"end":751.085,"sentiment":"neutral","sentiment_score":-0.06741342445214589},{"text":"It's it's necessary because I've got my own business and it's not like I've got work cover or anything, you know.","start":751.085,"end":756.72003,"sentiment":"neutral","sentiment_score":-0.175952924149377},{"text":"So I understand that's and and I think that is the bare minimum, you know, income protection wise that I would need.","start":759.10004,"end":766.8,"sentiment":"neutral","sentiment_score":-0.0438368453390219},{"text":"So yeah.","start":768.085,"end":768.965,"sentiment":"neutral","sentiment_score":-0.02909057680517435},{"text":"I mean, that I have to take on the chin, I suppose.","start":768.965,"end":773.145,"sentiment":"neutral","sentiment_score":-0.05468209367245436}],"sentiment":"neutral","sentiment_score":-0.09293380926052729,"num_words":60,"start":750.125,"end":773.145},{"sentences":[{"text":"But Yeah.","start":773.525,"end":782.66003,"sentiment":"neutral","sentiment_score":0.005426786839962006},{"text":"Well, maybe that's something we look at when it's further down the track, like, when I build the super up a bit more.","start":799.195,"end":805.135,"sentiment":"neutral","sentiment_score":-0.05329960827594218},{"text":"And that's the thing, like, even with, you know, the settlement and and also if there's some extra super going in through my wife's account, then, yeah, maybe in a couple of years, I can kinda look to do that, I suppose.","start":806.47504,"end":820.27,"sentiment":"neutral","sentiment_score":-0.042869247939615024},{"text":"Might be the best way.","start":820.33,"end":821.71,"sentiment":"neutral","sentiment_score":0.09959669709205628},{"text":"Yep.","start":821.93005,"end":822.43005,"sentiment":"neutral","sentiment_score":0.0492158904671669}],"sentiment":"neutral","sentiment_score":-0.03381296512607026,"num_words":73,"start":773.525,"end":822.43005},{"sentences":[{"text":"Yep.","start":830.915,"end":831.415,"sentiment":"neutral","sentiment_score":0.008153568021953106},{"text":"Yeah.","start":833.875,"end":834.195,"sentiment":"neutral","sentiment_score":0.2314399629831314},{"text":"That's cool.","start":834.195,"end":835.075,"sentiment":"positive","sentiment_score":0.42365896701812744},{"text":"Yep.","start":835.075,"end":835.53,"sentiment":"neutral","sentiment_score":0.25353384017944336},{"text":"Yep.","start":843.69,"end":844.19,"sentiment":"neutral","sentiment_score":0.050628554075956345}],"sentiment":"neutral","sentiment_score":0.2318456432161232,"num_words":6,"start":830.915,"end":844.19},{"sentences":[{"text":"Yeah.","start":850.65,"end":851.15,"sentiment":"neutral","sentiment_score":-0.02149077132344246},{"text":"Yep.","start":857.425,"end":857.665,"sentiment":"neutral","sentiment_score":0.06786099076271057},{"text":"Yeah.","start":857.665,"end":858.165,"sentiment":"neutral","sentiment_score":0.05576586723327637},{"text":"So so what is it now?","start":858.305,"end":860.385,"sentiment":"neutral","sentiment_score":0.00985383455796788},{"text":"Is it about 5,000 a year or something?","start":860.385,"end":863.585,"sentiment":"neutral","sentiment_score":-0.004637499223463237}],"sentiment":"neutral","sentiment_score":0.007303476484273286,"num_words":17,"start":850.65,"end":863.585},{"sentences":[{"text":"What what with yes.","start":863.585,"end":872.83,"sentiment":"neutral","sentiment_score":0.0444348999299109},{"text":"Yeah.","start":873.13,"end":873.37,"sentiment":"neutral","sentiment_score":0.19800320267677307},{"text":"It would be good to get it to that 4,000 and because I just yeah.","start":873.37,"end":877.13,"sentiment":"positive","sentiment_score":0.37345865567525227},{"text":"If I'm putting 30,000 in a year, then, you know, I could almost look at trying to do 35, which is tough.","start":877.13,"end":886.585,"sentiment":"neutral","sentiment_score":0.13445224054157734},{"text":"But at the same time, I usually get to because with my shares, I'm sort of doing okay with, like, take a lump sum out of that once a year, which I did last year.","start":886.585,"end":898.39,"sentiment":"neutral","sentiment_score":0.26991989016532897}],"sentiment":"neutral","sentiment_score":0.23873724786008332,"num_words":77,"start":863.585,"end":898.39},{"sentences":[{"text":"I put another 5,000 or something, and I can't remember exactly, but I plan to do the same this year.","start":898.39,"end":903.91003,"sentiment":"neutral","sentiment_score":0.2614208463579416},{"text":"So ideally, you know, say I'm putting in 35, then what's the cap now?","start":903.91003,"end":911.915,"sentiment":"neutral","sentiment_score":0.15412551736725227},{"text":"Is it 32?","start":911.915,"end":912.97504,"sentiment":"neutral","sentiment_score":0.028885189443826675},{"text":"Yeah.","start":916.715,"end":917.115,"sentiment":"neutral","sentiment_score":0.15098339319229126},{"text":"And say if I'm doing that, at least that covers a portion of the insurance.","start":917.115,"end":921.055,"sentiment":"neutral","sentiment_score":0.12328987667957941}],"sentiment":"neutral","sentiment_score":0.1787388921135439,"num_words":53,"start":898.39,"end":921.055},{"sentences":[{"text":"So does it go up to 30% after that?","start":921.995,"end":925.73,"sentiment":"neutral","sentiment_score":0.06058999813265271},{"text":"Yeah.","start":935.47003,"end":935.97003,"sentiment":"neutral","sentiment_score":0.028402389958500866},{"text":"We have got I probably have got some lay low leeway there.","start":936.03,"end":941.315,"sentiment":"neutral","sentiment_score":0.046911465314527355},{"text":"But do you do that, or is my account gonna put that?","start":941.315,"end":945.01495,"sentiment":"neutral","sentiment_score":0.02490524047364791},{"text":"Yeah.","start":945.875,"end":946.375,"sentiment":"neutral","sentiment_score":0.13533464074134827}],"sentiment":"neutral","sentiment_score":0.044881356667195046,"num_words":35,"start":921.995,"end":946.375},{"sentences":[{"text":"Yeah.","start":962.27997,"end":962.68,"sentiment":"neutral","sentiment_score":0.23295700550079343},{"text":"I think grab it grab it later.","start":962.68,"end":964.6,"sentiment":"neutral","sentiment_score":0.27874774592263357},{"text":"Is that something we have to do before the end of the next year or after is fine?","start":964.6,"end":969.115,"sentiment":"neutral","sentiment_score":0.20042250926295915},{"text":"Yeah.","start":973.015,"end":973.515,"sentiment":"neutral","sentiment_score":0.053555432707071304},{"text":"Yeah.","start":979.35004,"end":979.75,"sentiment":"neutral","sentiment_score":-0.03729171305894852}],"sentiment":"neutral","sentiment_score":0.20743071833359344,"num_words":28,"start":962.27997,"end":979.75},{"sentences":[{"text":"I mean, that's yeah.","start":979.75,"end":980.95,"sentiment":"neutral","sentiment_score":-0.025285137817263603},{"text":"I get it.","start":980.95,"end":981.51,"sentiment":"neutral","sentiment_score":0.04289334391554197},{"text":"So I'd be well under that sort of cap anyway for the last five years.","start":981.51,"end":986.47003,"sentiment":"neutral","sentiment_score":-0.09766172120968501},{"text":"So, you know, probably we'll only get to the 30 this year, but we'll look at it, I suppose, in the next financial.","start":986.47003,"end":994.885,"sentiment":"neutral","sentiment_score":0.050927555188536644},{"text":"Yep.","start":1005.265,"end":1005.765,"sentiment":"neutral","sentiment_score":0.07287552952766418}],"sentiment":"neutral","sentiment_score":-0.004199500843558622,"num_words":46,"start":979.75,"end":1005.765},{"sentences":[{"text":"Yep.","start":1007.99005,"end":1008.49005,"sentiment":"neutral","sentiment_score":0.11064960062503816},{"text":"Yep.","start":1011.51,"end":1012.01,"sentiment":"neutral","sentiment_score":0.05446904897689819},{"text":"Yep.","start":1012.79004,"end":1013.29004,"sentiment":"neutral","sentiment_score":0.04618535935878754},{"text":"So did that come off?","start":1014.39,"end":1015.67004,"sentiment":"neutral","sentiment_score":-0.008865011855959892},{"text":"Does that come sorry.","start":1015.67004,"end":1017.05005,"sentiment":"neutral","sentiment_score":-0.02763603301718831}],"sentiment":"neutral","sentiment_score":0.004702901467680931,"num_words":12,"start":1007.99005,"end":1017.05005},{"sentences":[{"text":"So I'm does that come off the so it says I'll put in 32 for for for argument, say, 5,000 in insurances.","start":1017.27,"end":1026.155,"sentiment":"neutral","sentiment_score":-0.03750014152716507},{"text":"Does that come off the 32?","start":1026.295,"end":1027.815,"sentiment":"neutral","sentiment_score":-0.0516605277856191},{"text":"Do you know what I mean?","start":1027.815,"end":1028.955,"sentiment":"neutral","sentiment_score":-0.050427657241622605},{"text":"Okay.","start":1041.91,"end":1042.31,"sentiment":"neutral","sentiment_score":0.01536630280315876},{"text":"Alright.","start":1042.31,"end":1042.81,"sentiment":"neutral","sentiment_score":0.08632275462150574}],"sentiment":"neutral","sentiment_score":-0.03710675462045603,"num_words":36,"start":1017.27,"end":1042.81},{"sentences":[{"text":"Alright.","start":1042.87,"end":1043.37,"sentiment":"neutral","sentiment_score":0.1842929571866989},{"text":"It's okay.","start":1044.035,"end":1044.855,"sentiment":"neutral","sentiment_score":0.2711676061153412},{"text":"I I think I will have some leeway with that.","start":1045.155,"end":1047.075,"sentiment":"neutral","sentiment_score":0.10027096644043923},{"text":"Yeah.","start":1047.075,"end":1047.575,"sentiment":"neutral","sentiment_score":0.1778053641319275},{"text":"I will have some leeway with that last five years, so that's okay.","start":1047.7949,"end":1050.775,"sentiment":"neutral","sentiment_score":0.15486787603451654}],"sentiment":"neutral","sentiment_score":0.14520094764453392,"num_words":27,"start":1042.87,"end":1050.775},{"sentences":[{"text":"Yep.","start":1050.9149,"end":1051.4149,"sentiment":"neutral","sentiment_score":0.24636289477348328},{"text":"Yeah.","start":1054.835,"end":1055.335,"sentiment":"neutral","sentiment_score":-0.0005267467349767685},{"text":"Yeah.","start":1055.395,"end":1055.895,"sentiment":"neutral","sentiment_score":0.027001721784472466},{"text":"Yep.","start":1062.0,"end":1062.48,"sentiment":"neutral","sentiment_score":0.1030263751745224},{"text":"Yep.","start":1062.48,"end":1062.98,"sentiment":"neutral","sentiment_score":0.10097341239452362}],"sentiment":"neutral","sentiment_score":0.095367531478405,"num_words":5,"start":1050.9149,"end":1062.98},{"sentences":[{"text":"Yep.","start":1065.84,"end":1066.34,"sentiment":"neutral","sentiment_score":0.05594446510076523},{"text":"Yeah.","start":1073.2949,"end":1073.7949,"sentiment":"neutral","sentiment_score":0.05417271703481674},{"text":"I'm also doing four yeah.","start":1073.855,"end":1075.9349,"sentiment":"neutral","sentiment_score":0.04976984113454819},{"text":"I'm doing 400 a month as well.","start":1075.9349,"end":1077.855,"sentiment":"neutral","sentiment_score":-0.007581004540302924},{"text":"I don't know why I did that, but I think I missed the direct debit.","start":1077.855,"end":1081.375,"sentiment":"neutral","sentiment_score":-0.10959840168555578}],"sentiment":"neutral","sentiment_score":-0.04614057480197015,"num_words":29,"start":1065.84,"end":1081.375},{"sentences":[{"text":"So there's there is 500 going in because there's an extra 400 going in once a month.","start":1081.375,"end":1087.97,"sentiment":"neutral","sentiment_score":-0.05441579354159972},{"text":"So yeah.","start":1087.97,"end":1088.45,"sentiment":"neutral","sentiment_score":0.002829470206052065},{"text":"Yeah.","start":1088.45,"end":1088.95,"sentiment":"neutral","sentiment_score":0.029533935710787773},{"text":"I should just change that.","start":1090.85,"end":1092.0499,"sentiment":"neutral","sentiment_score":0.027254632487893105},{"text":"Do that.","start":1092.0499,"end":1092.5299,"sentiment":"neutral","sentiment_score":0.005172855220735073}],"sentiment":"neutral","sentiment_score":-0.02752802745197658,"num_words":27,"start":1081.375,"end":1092.5299},{"sentences":[{"text":"Just because why why I canceled it for some reason, and then when I should have did then I just kept that once a month.","start":1092.5299,"end":1098.645,"sentiment":"neutral","sentiment_score":-0.06960501410067081},{"text":"Some reason, it was going out once a month, and I was like, oh, no.","start":1098.805,"end":1101.465,"sentiment":"neutral","sentiment_score":-0.12706515739361446},{"text":"So I I just kept that, but I still do the 400.","start":1101.605,"end":1104.5651,"sentiment":"neutral","sentiment_score":-0.10334205875794093},{"text":"So it is 400 away.","start":1104.5651,"end":1105.845,"sentiment":"neutral","sentiment_score":-0.12742149978876113},{"text":"Yeah.","start":1105.845,"end":1106.345,"sentiment":"neutral","sentiment_score":0.027988087385892868}],"sentiment":"neutral","sentiment_score":-0.09474701431162398,"num_words":58,"start":1092.5299,"end":1106.345},{"sentences":[{"text":"I think you guys did it last year.","start":1117.99,"end":1119.67,"sentiment":"neutral","sentiment_score":0.053565545473247766},{"text":"So yeah.","start":1119.67,"end":1120.57,"sentiment":"neutral","sentiment_score":0.10909094661474228},{"text":"Yep.","start":1126.6849,"end":1127.1849,"sentiment":"neutral","sentiment_score":0.10451045632362366},{"text":"Yeah.","start":1152.165,"end":1152.405,"sentiment":"neutral","sentiment_score":0.18971750140190125},{"text":"Certainly did.","start":1152.405,"end":1153.545,"sentiment":"neutral","sentiment_score":0.29368048906326294}],"sentiment":"neutral","sentiment_score":0.10916394234767982,"num_words":14,"start":1117.99,"end":1153.545},{"sentences":[{"text":"Yeah.","start":1159.765,"end":1160.085,"sentiment":"neutral","sentiment_score":0.1907685548067093},{"text":"Well, I'm doing it with my share account.","start":1160.085,"end":1161.605,"sentiment":"neutral","sentiment_score":0.22278335317969322},{"text":"I was getting 40% when I was thinking I was a bloody genius.","start":1161.605,"end":1164.905,"sentiment":"neutral","sentiment_score":0.22961936547206},{"text":"I think I was Warren Buffett, but now I'm on 10%.","start":1165.81,"end":1168.61,"sentiment":"neutral","sentiment_score":0.17303870753808456},{"text":"So, anyway, I get it.","start":1168.61,"end":1170.31,"sentiment":"neutral","sentiment_score":0.16172424852848052}],"sentiment":"neutral","sentiment_score":0.20184563570900968,"num_words":38,"start":1159.765,"end":1170.31},{"sentences":[{"text":"Yeah.","start":1179.905,"end":1180.225,"sentiment":"neutral","sentiment_score":-0.07902354001998901},{"text":"I think it's it's called a shit sandwich, actually, Tom.","start":1180.225,"end":1182.785,"sentiment":"neutral","sentiment_score":-0.2776467606425285},{"text":"But anyway, call it what you want.","start":1182.785,"end":1184.805,"sentiment":"neutral","sentiment_score":-0.035504557458417754},{"text":"Oh, that's bad.","start":1205.975,"end":1206.775,"sentiment":"neutral","sentiment_score":-0.1571593458453814},{"text":"Yeah.","start":1206.775,"end":1207.1749,"sentiment":"neutral","sentiment_score":0.0005930233746767044}],"sentiment":"neutral","sentiment_score":-0.16249582103707574,"num_words":22,"start":1179.905,"end":1207.1749},{"sentences":[{"text":"Because last time I heard it was 9%, and I was like, oh, jeez.","start":1207.1749,"end":1211.195,"sentiment":"neutral","sentiment_score":0.015891298718218292},{"text":"Yep.","start":1218.95,"end":1219.45,"sentiment":"neutral","sentiment_score":0.08242650330066681},{"text":"Yep.","start":1219.99,"end":1220.49,"sentiment":"neutral","sentiment_score":0.07250836491584778},{"text":"Yep.","start":1223.51,"end":1223.75,"sentiment":"neutral","sentiment_score":0.0682234838604927},{"text":"Yeah.","start":1223.75,"end":1224.1499,"sentiment":"neutral","sentiment_score":0.11608442664146423}],"sentiment":"neutral","sentiment_score":0.031206720042973757,"num_words":18,"start":1207.1749,"end":1224.1499},{"sentences":[{"text":"That's cool.","start":1224.1499,"end":1224.97,"sentiment":"neutral","sentiment_score":0.23405145108699799},{"text":"That's fine.","start":1225.83,"end":1226.6499,"sentiment":"neutral","sentiment_score":0.0030495012179017067},{"text":"Yep.","start":1229.205,"end":1229.705,"sentiment":"neutral","sentiment_score":-0.07043901085853577},{"text":"Yeah.","start":1250.1901,"end":1250.51,"sentiment":"neutral","sentiment_score":0.010791003704071043},{"text":"Because that's what I've that's all I do every day is just listen to podcast about it.","start":1250.51,"end":1255.79,"sentiment":"neutral","sentiment_score":0.03673668813836925}],"sentiment":"neutral","sentiment_score":0.045177286774244,"num_words":23,"start":1224.1499,"end":1255.79},{"sentences":[{"text":"And apparently, yeah, this trial is pretty pretty short at the moment.","start":1255.79,"end":1260.3501,"sentiment":"neutral","sentiment_score":-0.04854343148569266},{"text":"So yep.","start":1260.3501,"end":1268.6675,"sentiment":"neutral","sentiment_score":0.022354606539011},{"text":"What gets the best result really, to be honest, Tom?","start":1281.2899,"end":1283.9299,"sentiment":"neutral","sentiment_score":0.21886314153671266},{"text":"Like, it's sort of I know I have yeah.","start":1283.9299,"end":1286.8099,"sentiment":"neutral","sentiment_score":0.004198780761928194},{"text":"Like you say, I reckon I have ten years to make it happen.","start":1286.8099,"end":1289.85,"sentiment":"neutral","sentiment_score":0.06162874285991375}],"sentiment":"neutral","sentiment_score":0.054125698579414544,"num_words":46,"start":1255.79,"end":1289.85},{"sentences":[{"text":"So whatever's gonna work, I mean, obviously, when I get closer to 60, I don't want too much of the risk.","start":1289.85,"end":1296.235,"sentiment":"neutral","sentiment_score":-0.15864528427343993},{"text":"But at the moment, I have to kinda throw caution in a little bit.","start":1296.235,"end":1300.2549,"sentiment":"neutral","sentiment_score":-0.261952457683427},{"text":"Yeah.","start":1309.82,"end":1310.32,"sentiment":"neutral","sentiment_score":0.18262431025505063},{"text":"Yep.","start":1317.66,"end":1318.16,"sentiment":"positive","sentiment_score":0.45838508009910583},{"text":"Yep.","start":1321.255,"end":1321.755,"sentiment":"positive","sentiment_score":0.425316870212555}],"sentiment":"neutral","sentiment_score":-0.156119976756408,"num_words":38,"start":1289.85,"end":1321.755},{"sentences":[{"text":"Yep.","start":1326.135,"end":1326.635,"sentiment":"neutral","sentiment_score":0.27478569746017456},{"text":"Yep.","start":1329.735,"end":1330.235,"sentiment":"neutral","sentiment_score":0.16358953714370728},{"text":"And what I've noticed as well, it doesn't seem I don't know the total amount which is invested at the moment.","start":1330.4551,"end":1338.13,"sentiment":"neutral","sentiment_score":-0.013232047713938214},{"text":"I'm only seeing occasional buyers and of low amounts.","start":1338.19,"end":1342.0499,"sentiment":"neutral","sentiment_score":-0.03336863571570979},{"text":"I just wanna make sure yeah.","start":1342.6699,"end":1344.27,"sentiment":"neutral","sentiment_score":0.01979927873859803}],"sentiment":"neutral","sentiment_score":-0.0005531530631215949,"num_words":38,"start":1326.135,"end":1344.27},{"sentences":[{"text":"I just wanna make sure that we're investing everything because I don't wanna sit in cash for I don't know those figures at all.","start":1344.27,"end":1352.995,"sentiment":"neutral","sentiment_score":-0.06075924215838313},{"text":"So I'm just hoping that, you know, it's all invested and not just half of it sitting in cash because defeats the whole purpose design.","start":1352.995,"end":1370.076,"sentiment":"neutral","sentiment_score":-0.025067692883312703},{"text":"Yeah.","start":1371.88,"end":1372.38,"sentiment":"neutral","sentiment_score":0.01538524217903614},{"text":"That's That's Yep.","start":1374.0399,"end":1381.645,"sentiment":"neutral","sentiment_score":0.06773512686292331},{"text":"Yep.","start":1382.585,"end":1383.085,"sentiment":"neutral","sentiment_score":0.08491569757461548}],"sentiment":"neutral","sentiment_score":-0.03298903358410354,"num_words":54,"start":1344.27,"end":1383.085},{"sentences":[{"text":"Yep.","start":1384.025,"end":1384.3451,"sentiment":"neutral","sentiment_score":0.1733158677816391},{"text":"That's fine.","start":1384.3451,"end":1385.405,"sentiment":"neutral","sentiment_score":0.29895395040512085},{"text":"Yeah.","start":1407.125,"end":1407.625,"sentiment":"neutral","sentiment_score":0.03233303874731064},{"text":"Yeah.","start":1408.485,"end":1408.985,"sentiment":"neutral","sentiment_score":0.054158858954906464},{"text":"That's cool.","start":1421.2,"end":1421.92,"sentiment":"positive","sentiment_score":0.7564441561698914}],"sentiment":"positive","sentiment_score":0.33865771123341154,"num_words":7,"start":1384.025,"end":1421.92},{"sentences":[{"text":"I get that.","start":1421.92,"end":1422.82,"sentiment":"positive","sentiment_score":0.6356886029243469},{"text":"Yep.","start":1442.685,"end":1443.185,"sentiment":"neutral","sentiment_score":0.2089364528656006},{"text":"Okay.","start":1454.5,"end":1455.0,"sentiment":"neutral","sentiment_score":0.3000635504722595},{"text":"Cool.","start":1455.06,"end":1455.56,"sentiment":"positive","sentiment_score":0.4747726023197174},{"text":"That sounds good.","start":1455.62,"end":1456.6001,"sentiment":"positive","sentiment_score":0.5388137102127075}],"sentiment":"positive","sentiment_score":0.5008088383409712,"num_words":9,"start":1421.92,"end":1456.6001},{"sentences":[{"text":"Yeah.","start":1460.98,"end":1461.48,"sentiment":"neutral","sentiment_score":0.060683269053697586},{"text":"Is that you know, I know you can't give me exact here, but does it look good from that perspective of what we're talking about?","start":1461.54,"end":1470.645,"sentiment":"neutral","sentiment_score":0.01359528623521328},{"text":"So that mill?","start":1470.645,"end":1471.5449,"sentiment":"neutral","sentiment_score":-0.017078479441503685},{"text":"Yeah.","start":1476.965,"end":1477.205,"sentiment":"neutral","sentiment_score":0.01688494347035885},{"text":"Yeah.","start":1477.205,"end":1477.525,"sentiment":"neutral","sentiment_score":0.03168698772788048}],"sentiment":"neutral","sentiment_score":0.012835545735734125,"num_words":31,"start":1460.98,"end":1477.525},{"sentences":[{"text":"I get it.","start":1477.525,"end":1478.31,"sentiment":"neutral","sentiment_score":0.045305684208869934},{"text":"Yep.","start":1485.3501,"end":1485.8501,"sentiment":"neutral","sentiment_score":0.02916768752038479},{"text":"No.","start":1495.485,"end":1495.805,"sentiment":"neutral","sentiment_score":-0.03951888158917427},{"text":"I mean, it would be the kids that I'd want it to go to.","start":1495.805,"end":1501.105,"sentiment":"neutral","sentiment_score":0.08268515712448529},{"text":"You know, I suppose that's the norm thing to do in this case.","start":1502.8451,"end":1509.0851,"sentiment":"neutral","sentiment_score":0.029088745466791667}],"sentiment":"neutral","sentiment_score":0.05191599216777831,"num_words":32,"start":1477.525,"end":1509.0851},{"sentences":[{"text":"So but I maybe we'd look at that sort of down the track a bit more when everything's, you know, finalized.","start":1509.0851,"end":1516.56,"sentiment":"neutral","sentiment_score":0.033278503943057286},{"text":"Yep.","start":1523.5349,"end":1524.0349,"sentiment":"neutral","sentiment_score":0.213791161775589},{"text":"Yeah.","start":1540.4299,"end":1540.9299,"sentiment":"neutral","sentiment_score":0.011402172036468984},{"text":"Look, hoping to be sort of 62, to be honest, but, yeah, we'll see.","start":1542.4299,"end":1546.61,"sentiment":"neutral","sentiment_score":0.015884316393307278},{"text":"Yep.","start":1565.73,"end":1566.23,"sentiment":"neutral","sentiment_score":0.09953108429908752}],"sentiment":"neutral","sentiment_score":0.0327882481689908,"num_words":38,"start":1509.0851,"end":1566.23},{"sentences":[{"text":"Yep.","start":1568.37,"end":1568.87,"sentiment":"neutral","sentiment_score":0.1450705528259277},{"text":"Okay.","start":1574.6151,"end":1575.1151,"sentiment":"neutral","sentiment_score":-0.013104869052767754},{"text":"Yeah.","start":1584.6151,"end":1585.015,"sentiment":"neutral","sentiment_score":0.053291548043489456},{"text":"And then so there's a 100 is that including the 100 thousands, like, maybe that comes in with the setup well, the the boss, I suppose, is the way to say it.","start":1585.015,"end":1596.81,"sentiment":"neutral","sentiment_score":0.04204171089804731},{"text":"But yeah.","start":1596.81,"end":1598.35,"sentiment":"neutral","sentiment_score":0.04382399283349514}],"sentiment":"neutral","sentiment_score":0.04373621530327443,"num_words":37,"start":1568.37,"end":1598.35},{"sentences":[{"text":"Yep.","start":1609.305,"end":1609.805,"sentiment":"neutral","sentiment_score":0.2380438446998596},{"text":"Yep.","start":1617.465,"end":1617.965,"sentiment":"neutral","sentiment_score":0.22683143615722656},{"text":"Yep.","start":1620.16,"end":1620.66,"sentiment":"neutral","sentiment_score":0.1280551254749298},{"text":"Wow.","start":1649.82,"end":1650.3,"sentiment":"neutral","sentiment_score":0.2855033278465271},{"text":"Okay.","start":1650.3,"end":1650.8,"sentiment":"neutral","sentiment_score":0.12932941317558289}],"sentiment":"neutral","sentiment_score":0.2015526294708252,"num_words":5,"start":1609.305,"end":1650.8},{"sentences":[{"text":"Yep.","start":1653.74,"end":1654.24,"sentiment":"neutral","sentiment_score":0.09586071968078612},{"text":"Yeah.","start":1667.515,"end":1668.015,"sentiment":"neutral","sentiment_score":0.0504058413207531},{"text":"Yeah.","start":1668.075,"end":1668.575,"sentiment":"neutral","sentiment_score":0.04980931431055069},{"text":"Yep.","start":1674.075,"end":1674.475,"sentiment":"neutral","sentiment_score":0.09383170306682588},{"text":"Yep.","start":1674.475,"end":1674.975,"sentiment":"neutral","sentiment_score":0.11489346623420715}],"sentiment":"neutral","sentiment_score":0.0809602089226246,"num_words":5,"start":1653.74,"end":1674.975},{"sentences":[{"text":"Yep.","start":1689.19,"end":1689.69,"sentiment":"neutral","sentiment_score":0.1031908318400383},{"text":"Yep.","start":1697.375,"end":1697.875,"sentiment":"neutral","sentiment_score":0.0997779592871666},{"text":"Yep.","start":1700.8151,"end":1701.3151,"sentiment":"neutral","sentiment_score":0.098808191716671},{"text":"Yep.","start":1708.4401,"end":1708.9401,"sentiment":"neutral","sentiment_score":0.0299236997961998},{"text":"That's good.","start":1717.135,"end":1717.6951,"sentiment":"positive","sentiment_score":0.5211347937583923}],"sentiment":"neutral","sentiment_score":0.2289950450261434,"num_words":6,"start":1689.19,"end":1717.6951},{"sentences":[{"text":"That's good.","start":1717.6951,"end":1718.495,"sentiment":"positive","sentiment_score":0.573201447725296},{"text":"And it's keeping my my shares out of that.","start":1718.495,"end":1721.055,"sentiment":"neutral","sentiment_score":0.1862527479728063},{"text":"It's just because I'm playing with that to try and get the extra in there once a year.","start":1721.055,"end":1726.095,"sentiment":"neutral","sentiment_score":0.11542568790415923},{"text":"So, yeah, that's good.","start":1726.095,"end":1727.235,"sentiment":"positive","sentiment_score":0.4018573760986328},{"text":"That sounds really good, Tom.","start":1735.0701,"end":1736.53,"sentiment":"positive","sentiment_score":0.552430534362793}],"sentiment":"neutral","sentiment_score":0.24394532067603186,"num_words":38,"start":1717.6951,"end":1736.53},{"sentences":[{"text":"Good on that.","start":1745.775,"end":1746.1064,"sentiment":"positive","sentiment_score":0.5575757424036661},{"text":"Good on that.","start":1746.1064,"end":1746.3807,"sentiment":"positive","sentiment_score":0.5845692157745361},{"text":"Good on that.","start":1746.3807,"end":1746.655,"sentiment":"positive","sentiment_score":0.6252428094546},{"text":"Congratulations.","start":1746.655,"end":1747.155,"sentiment":"positive","sentiment_score":0.635528564453125},{"text":"Yep.","start":1756.015,"end":1756.515,"sentiment":"neutral","sentiment_score":0.1577572375535965}],"sentiment":"positive","sentiment_score":0.5541317368095572,"num_words":11,"start":1745.775,"end":1756.515},{"sentences":[{"text":"Yep.","start":1760.95,"end":1761.45,"sentiment":"neutral","sentiment_score":0.07826131582260132},{"text":"No.","start":1765.51,"end":1765.83,"sentiment":"neutral","sentiment_score":-0.23729842901229856},{"text":"I'm happy with that time and it's yeah.","start":1765.83,"end":1768.07,"sentiment":"neutral","sentiment_score":-0.1642675381153822},{"text":"Yeah.","start":1768.07,"end":1768.3099,"sentiment":"neutral","sentiment_score":0.07275903970003128},{"text":"I know it's been a few mix.","start":1768.3099,"end":1769.75,"sentiment":"neutral","sentiment_score":-0.015339905662196025}],"sentiment":"neutral","sentiment_score":-0.08376653989156087,"num_words":18,"start":1760.95,"end":1769.75},{"sentences":[{"text":"Not well, there's been a few changes to half as well, so it's good that I can I can sort of rely on you?","start":1769.75,"end":1775.495,"sentiment":"neutral","sentiment_score":0.15361673974742493},{"text":"That's good.","start":1775.495,"end":1776.235,"sentiment":"positive","sentiment_score":0.5068272352218628},{"text":"And also the fee fee is why because yeah.","start":1777.6549,"end":1780.455,"sentiment":"neutral","sentiment_score":0.03036691289809015},{"text":"Just the bottom of my mind.","start":1780.455,"end":1781.815,"sentiment":"neutral","sentiment_score":-0.014004128674666086},{"text":"Sorry, mate.","start":1781.815,"end":1782.375,"sentiment":"neutral","sentiment_score":-0.018266582395881414}],"sentiment":"neutral","sentiment_score":0.1128651279912785,"num_words":43,"start":1769.75,"end":1782.375},{"sentences":[{"text":"It's just the I think we get a discount on the fees because we're a couple you know, we got some discount on the percentage that we're getting charged.","start":1782.375,"end":1793.71,"sentiment":"neutral","sentiment_score":0.06573121615781866},{"text":"Does that still apply?","start":1793.71,"end":1795.09,"sentiment":"neutral","sentiment_score":0.03734740801155567},{"text":"Yep.","start":1810.765,"end":1811.265,"sentiment":"neutral","sentiment_score":0.04494144767522812},{"text":"Yep.","start":1815.485,"end":1815.985,"sentiment":"neutral","sentiment_score":0.06080777570605278},{"text":"Yeah.","start":1819.73,"end":1820.23,"sentiment":"neutral","sentiment_score":0.06376885622739792}],"sentiment":"neutral","sentiment_score":0.06180869389532341,"num_words":36,"start":1782.375,"end":1820.23},{"sentences":[{"text":"Yep.","start":1824.9299,"end":1825.4299,"sentiment":"neutral","sentiment_score":0.006899668835103512},{"text":"Yeah.","start":1828.13,"end":1828.45,"sentiment":"neutral","sentiment_score":0.03790948539972305},{"text":"I understand.","start":1828.45,"end":1829.11,"sentiment":"neutral","sentiment_score":0.03610183857381344},{"text":"Is it one point what is it now?","start":1829.25,"end":1831.09,"sentiment":"neutral","sentiment_score":0.00823811232112348},{"text":"One point?","start":1831.09,"end":1831.75,"sentiment":"neutral","sentiment_score":0.006126669701188803}],"sentiment":"neutral","sentiment_score":0.013940790668129921,"num_words":14,"start":1824.9299,"end":1831.75},{"sentences":[{"text":"Yeah.","start":1836.4249,"end":1836.745,"sentiment":"neutral","sentiment_score":0.2181445062160492},{"text":"It's a good difference.","start":1836.745,"end":1837.725,"sentiment":"positive","sentiment_score":0.39031898230314255},{"text":"Yep.","start":1847.76,"end":1848.26,"sentiment":"neutral","sentiment_score":0.013095572590827942},{"text":"Yeah.","start":1850.64,"end":1850.88,"sentiment":"neutral","sentiment_score":0.15242421627044678},{"text":"I get it.","start":1850.88,"end":1851.5199,"sentiment":"neutral","sentiment_score":0.2641577273607254}],"sentiment":"neutral","sentiment_score":0.273741340637207,"num_words":10,"start":1836.4249,"end":1851.5199},{"sentences":[{"text":"That's cool.","start":1851.5199,"end":1852.26,"sentiment":"positive","sentiment_score":0.6807765364646912},{"text":"No.","start":1855.0399,"end":1855.2,"sentiment":"neutral","sentiment_score":0.08446931093931198},{"text":"That's good.","start":1855.2,"end":1856.0199,"sentiment":"neutral","sentiment_score":0.3156670331954956},{"text":"Yep.","start":1871.675,"end":1872.0751,"sentiment":"neutral","sentiment_score":0.14666339755058289},{"text":"Yeah.","start":1872.0751,"end":1872.395,"sentiment":"neutral","sentiment_score":0.20435568690299988}],"sentiment":"positive","sentiment_score":0.34691079067332403,"num_words":7,"start":1851.5199,"end":1872.395},{"sentences":[{"text":"No stress.","start":1872.395,"end":1872.875,"sentiment":"positive","sentiment_score":0.3333505839109421},{"text":"That's all good.","start":1872.875,"end":1873.855,"sentiment":"positive","sentiment_score":0.5592532257239023},{"text":"Yep.","start":1890.1001,"end":1890.6001,"sentiment":"neutral","sentiment_score":0.09545668214559556},{"text":"Yep.","start":1895.875,"end":1896.375,"sentiment":"neutral","sentiment_score":0.05256696790456772},{"text":"So, I mean, I'm sort of toying with the idea.","start":1896.515,"end":1898.995,"sentiment":"neutral","sentiment_score":0.049709006771445276}],"sentiment":"neutral","sentiment_score":0.17585732722107103,"num_words":17,"start":1872.395,"end":1898.995},{"sentences":[{"text":"So if I get 40,000 out of this settlement, whether I put it in straight into super, but I think I might need the cash on hand for a deposit on the on the apartment, so in a year's time.","start":1898.995,"end":1913.93,"sentiment":"neutral","sentiment_score":0.03542090500704944},{"text":"But you didn't include, say, that 40,000 going into super digit.","start":1914.31,"end":1919.2101,"sentiment":"neutral","sentiment_score":-0.02025101630186493},{"text":"No.","start":1921.015,"end":1921.175,"sentiment":"neutral","sentiment_score":-0.1048092171549797},{"text":"That's fine.","start":1921.175,"end":1921.995,"sentiment":"neutral","sentiment_score":-0.07112033292651176},{"text":"Yep.","start":1924.935,"end":1925.435,"sentiment":"neutral","sentiment_score":-0.05413253605365753}],"sentiment":"neutral","sentiment_score":0.016234410943632777,"num_words":55,"start":1898.995,"end":1925.435},{"sentences":[{"text":"Yep.","start":1928.6951,"end":1929.1951,"sentiment":"neutral","sentiment_score":-0.001198427751660347},{"text":"Yep.","start":1933.5751,"end":1934.0751,"sentiment":"neutral","sentiment_score":0.013070042245090008},{"text":"Yep.","start":1937.13,"end":1937.63,"sentiment":"neutral","sentiment_score":0.010279306210577488},{"text":"Okay.","start":1937.85,"end":1938.35,"sentiment":"neutral","sentiment_score":0.026360146701335907},{"text":"So you did include the 100 if we go over that.","start":1939.5299,"end":1943.9299,"sentiment":"neutral","sentiment_score":0.03509518571875312}],"sentiment":"neutral","sentiment_score":0.028970540687441825,"num_words":15,"start":1928.6951,"end":1943.9299},{"sentences":[{"text":"If we put that in, it makes a big difference.","start":1943.9299,"end":1945.77,"sentiment":"neutral","sentiment_score":0.012942786514759063},{"text":"But either way, it'll be close to 1,000,000 without that even, but that should go in anyway.","start":1945.77,"end":1950.33,"sentiment":"neutral","sentiment_score":-0.005572697147727013},{"text":"So alright.","start":1950.33,"end":1951.005,"sentiment":"neutral","sentiment_score":0.09461823850870132},{"text":"Cool.","start":1951.085,"end":1951.585,"sentiment":"neutral","sentiment_score":0.19190984964370728},{"text":"I'll get it.","start":1951.965,"end":1952.445,"sentiment":"neutral","sentiment_score":0.23129481077194214}],"sentiment":"neutral","sentiment_score":0.03362796280645963,"num_words":33,"start":1943.9299,"end":1952.445},{"sentences":[{"text":"That's cool.","start":1952.445,"end":1953.005,"sentiment":"neutral","sentiment_score":0.31847865879535675},{"text":"No.","start":1953.005,"end":1953.245,"sentiment":"neutral","sentiment_score":0.06642712652683258},{"text":"That looks good.","start":1953.245,"end":1954.145,"sentiment":"neutral","sentiment_score":0.11663030336300532},{"text":"Yep.","start":1958.045,"end":1958.365,"sentiment":"neutral","sentiment_score":0.1390630006790161},{"text":"Yeah.","start":1958.365,"end":1958.845,"sentiment":"neutral","sentiment_score":0.2415226697921753}],"sentiment":"neutral","sentiment_score":0.17923262808471918,"num_words":8,"start":1952.445,"end":1958.845},{"sentences":[{"text":"Good stuff.","start":1958.845,"end":1959.5651,"sentiment":"positive","sentiment_score":0.41491612792015076},{"text":"Alright.","start":1959.5651,"end":1960.0651,"sentiment":"neutral","sentiment_score":0.1899878978729248},{"text":"No probs.","start":1960.205,"end":1960.865,"sentiment":"neutral","sentiment_score":0.10142898559570312},{"text":"Yep.","start":1972.1,"end":1972.42,"sentiment":"neutral","sentiment_score":0.25330325961112976},{"text":"Yep.","start":1972.42,"end":1972.92,"sentiment":"neutral","sentiment_score":0.2029388397932053}],"sentiment":"neutral","sentiment_score":0.2398457463298525,"num_words":7,"start":1958.845,"end":1972.92},{"sentences":[{"text":"Sounds good, Tom.","start":1974.26,"end":1975.14,"sentiment":"positive","sentiment_score":0.7470539609591166},{"text":"Very good.","start":1975.14,"end":1975.96,"sentiment":"positive","sentiment_score":0.8376441299915314},{"text":"You too, mate.","start":1979.555,"end":1980.195,"sentiment":"positive","sentiment_score":0.5424255530039469},{"text":"Have a good break, and, yeah, congratulations too.","start":1980.195,"end":1983.415,"sentiment":"positive","sentiment_score":0.6618199050426483},{"text":"Good on yourself.","start":1985.475,"end":1986.275,"sentiment":"positive","sentiment_score":0.7830331524213155}],"sentiment":"positive","sentiment_score":0.6940729210251256,"num_words":19,"start":1974.26,"end":1986.275},{"sentences":[{"text":"Cheers, mate.","start":1986.275,"end":1987.095,"sentiment":"positive","sentiment_score":0.6525013446807861},{"text":"See you.","start":1987.955,"end":1988.275,"sentiment":"positive","sentiment_score":0.4145800918340683},{"text":"Bye.","start":1988.275,"end":1988.775,"sentiment":"neutral","sentiment_score":-0.1103776842355728}],"sentiment":"positive","sentiment_score":0.4047570377588272,"num_words":5,"start":1986.275,"end":1988.775}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Matthew. It's Tom here, senior adviser. How are you going?\n\nChannel 1: Good, Tom. Yourself?\n\nChannel 0: Right. Living the dream so far. It's a cool evening, and the week is flying by pretty quick already. What about your end?\n\nChannel 1: Nice. Good. Good. Sorry I missed your call. I didn't see it pop up, so\n\nChannel 0: No.\n\nChannel 1: all\n\nChannel 0: It's okay.\n\nChannel 1: good.\n\nChannel 0: It\n\nChannel 1: But\n\nChannel 0: didn't\n\nChannel 1: yeah.\n\nChannel 0: actually ring through, so I don't think you would have seen it. It just went straight to voice mail, and I was like, oh, I'll send\n\nChannel 1: That was\n\nChannel 0: him a\n\nChannel 1: great.\n\nChannel 0: text just in case.\n\nChannel 1: Yeah. No worries. But, yeah, I just wanna have a chat. My situation sort of changed a bit. I've had\n\nChannel 0: Yeah.\n\nChannel 1: a separation in marriage, and so I'm I'm looking first of all, I suppose my insurances, I kinda need to relook at, I think, because I've I've I've had for about a year just it's just ticked over a year now. There was a quite a big jump in the premium even after one year. It went up sort of, like, 25%. So\n\nChannel 0: Yeah.\n\nChannel 1: I kinda wanna evaluate that a bit and also my super as well. I need to sort of make sure I'm on track. I'm sort of trying to put in 500 a week at the moment, which is not a small amount. So I'm hoping to do 30 a year. So I just wanna make\n\nChannel 0: Yeah.\n\nChannel 1: sure I'm sort of, you know, sort of in the loop in seeing what's sort of going on because I haven't sort\n\nChannel 0: Yeah.\n\nChannel 1: of looked at it for a while.\n\nChannel 0: So what I'll do in this situation, what I gotta do is basically update some of your details, see\n\nChannel 1: Yep.\n\nChannel 0: what I can note down in your fact find in terms of assets, liabilities,\n\nChannel 1: Yep.\n\nChannel 0: what's changed, and then I'll pretty much come up with a bit of a game plan with you on how you're tracking and whether we need to adjust anything, whether it's\n\nChannel 1: Yep.\n\nChannel 0: the insurance or the super.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: I'm just pulling up your super account now. And while I'm doing that, with the separation, has that finalized in terms of a property settlement?\n\nChannel 1: Well, no. Basically, we're sort of going through a mediation sort of thing now. So it's only been,\n\nChannel 0: Yeah.\n\nChannel 1: you know, sort of four months. So, yeah, it's sort of been we we had an investment property, which is just well, it's settling actually as well as we speak. But\n\nChannel 0: Settling of style.\n\nChannel 1: yeah. So, I mean, that's not a great, you know, huge profit we gotta make out of that. But regardless, I suppose, you know, we haven't got to the part of, you know, separating super or anything like that at the moment. So it's not\n\nChannel 0: Yeah.\n\nChannel 1: yeah. We're not inked\n\nChannel 0: So\n\nChannel 1: up to that page.\n\nChannel 0: that's some of the the considerations that I have to do as well because once you go through and that's finalized is I need to take a bit of stock in where that lands and see\n\nChannel 1: Mhmm.\n\nChannel 0: how much we need to do in terms of, like, catching up the super, how that's actually projecting, and\n\nChannel 1: Yep.\n\nChannel 0: things like that. When I've got some final figures, that'll help a little bit, but I will check the super with you today. But just bear in mind, there'll be a couple things that'll be on hold.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So just quickly with the investment property, I last had it listed when you spoke to Kyle at six hundred and fifty thousand value owing $3.80. Do you know what the new figures are?\n\nChannel 1: Look. It's going way down since then. We sold it for about $4.30, I think it was in the end. Sorry. Hang on.\n\nYeah. It was no $5.30\n\nChannel 0: Yep.\n\nChannel 1: and then\n\nChannel 0: $5.30.\n\nChannel 1: we owed we still owed sort of 400 on it. So they might I'd I'm I'm sort of I think we gotta probably end up with 40 each at the end of the day.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, so it's not a great great result, but it is what it is. But\n\nChannel 0: Yeah.\n\nChannel 1: and then what I've got in super, and then we still have to sort of get on the track. I think some of my wife's suit might go to me. I'm not sure. But, yeah, might might be another maybe 80 to 100 coming off that. But it won't be for a while.\n\nIt might be for months.\n\nChannel 0: Yep. Yeah. Okay. So you think it might actually come into your account?\n\nChannel 1: Yeah. I think so. It's got well, I think we gotta be a while off that because it's still gotta get a a group mediation, which might be in a few months. I'm not sure at the moment.\n\nChannel 0: Yep. No worries. So as far as other assets go, so the property is gonna clear maybe $40,000 each. We did have two vehicles listed. One was for the partner.\n\nOne was a u for yourself that you still had a bit of debt on.\n\nChannel 1: Yeah.\n\nChannel 0: And then we had some shares and tools was the main assets.\n\nChannel 1: Yeah. I've got shares probably 55 now. Savings wise and all that, I suppose it's, you know, about\n\nChannel 0: Yep.\n\nChannel 1: 50. So yeah.\n\nChannel 0: Perfect. Alrighty. So that's amazing. I'm just having a look. We've updated your address already.\n\nSo let me just triple check that I've got all of that. 1 Slash 17 Surrey Street in Box Hill.\n\nChannel 1: Mhmm. Should be 1 Slash 17.\n\nChannel 0: Yep. 1 Slash 17. Sorry. And that's\n\nChannel 1: Yeah.\n\nChannel 0: in 3128.\n\nChannel 1: Yep.\n\nChannel 0: The email address that we've got on file, let me just quickly double check that one. We've got mSmithGardens@OptusNet.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Alright. Gardens OptusNet. Alrighty. And in terms of last two sort of bit more personal update questions for you, just in terms\n\nChannel 1: Yep.\n\nChannel 0: of occupation and income, landscape\n\nChannel 1: Yep.\n\nChannel 0: gardener on about a 100,000.\n\nChannel 1: Yeah. It's probably a bit more than that, but yeah. Pretty much.\n\nChannel 0: Yep.\n\nChannel 1: $100,100\n\nChannel 0: And we did\n\nChannel 1: 20.\n\nChannel 0: have two children listed. One was 17 and 13 at the time, which was about a year ago nine months\n\nChannel 1: Yeah.\n\nChannel 0: ago.\n\nChannel 1: Well, I've seen now on 15.\n\nChannel 0: Eighteen and fifteen. One thing I wanted to do, I'm gonna jump into the super now, but just in terms of I know it's early, but goals wise. So once everything kind of settles, do you already have a bit of an idea of what the kind of next steps are for you, or do you wanna kind of revisit that later?\n\nChannel 1: Well, no. Like, that is definitely what I wanna sort of consider because, I mean, ideally, by 60 half 1,000,000 in super.\n\nChannel 0: Yeah.\n\nChannel 1: And I'm looking at doing, you know, the maximum of 30,000 a year as it, you know, sort of as it is up until that point. So that's\n\nChannel 0: Yeah.\n\nChannel 1: the goal for me, but whether or not I can reach that in that time. It's another issue, but might take over a bit more.\n\nChannel 0: Yeah. Anything property wise that you wanna kind of get another one with all the cash and\n\nChannel 1: Well,\n\nChannel 0: assets?\n\nChannel 1: yeah, I'm thinking of so I've gotta make my account next week or, yeah, next week and go through.\n\nChannel 0: Yep.\n\nChannel 1: I'm thinking of a two bedroom apartment, you know, so not for probably a year or so. I've just signed a lease at the moment. So, yeah, looking to buy maybe, yeah, maybe in a year.\n\nChannel 0: Okay. So that kinda swings me over to the superannuation portion of the insurances. So what I'm gonna kinda do do you have any of your original certificates or current insurances open in front of you?\n\nChannel 1: No. I don't. But I do yeah. Look. I can't, off the top of my head, recall exactly what what we've got.\n\nBut I know we had income protection. We had life, and we also had the MetLife outside of that as well going\n\nChannel 0: The\n\nChannel 1: out\n\nChannel 0: trauma.\n\nChannel 1: once a month.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. I've got it all open in front of me. So\n\nChannel 1: Yep.\n\nChannel 0: I'm having a quick look at the the four policies, the way they're split, and everything like that. Let's just have a quick look. So income protections there, five\n\nChannel 1: Yep.\n\nChannel 0: thousand 966 per month worth of cover. That's, like, the\n\nChannel 1: Yep.\n\nChannel 0: payment that would\n\nChannel 1: Yep.\n\nChannel 0: come out to you. Thirty day waiting period, five year benefit. That's pretty perfect. It's like you're out of work for a month, kicks in monthly up to five years for each injury\n\nChannel 1: Yep.\n\nChannel 0: and illness, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: I'm just double checking your inception date. So that covers 70% of income, which is covering an income of about a $102,100 and 203,000 is being protected at the moment. So if that's okay for you,\n\nChannel 1: Yep. Yeah. I\n\nChannel 0: just\n\nChannel 1: mean,\n\nChannel 0: bear\n\nChannel 1: it's\n\nChannel 0: in mind,\n\nChannel 1: tight.\n\nChannel 0: like\n\nChannel 1: But, yeah, I mean, it's tight, but, I mean, that would be, yeah, the bare minimum, I suppose.\n\nChannel 0: yeah, yeah, it's mainly like an expense covering exercise there. And what tends to happen is, like, let's say I've recorded you as a 100,000 income, let's say, and you go\n\nChannel 1: Yep.\n\nChannel 0: and claim. You give them your twelve months financials. If they say you're protected for a 102,000, but you own a 100, they'll give you 70% on the 100,000 that you've actually got on paper. So just\n\nChannel 1: Right.\n\nChannel 0: bear in mind that it's very close, but it'll be based on the actual income at the time.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Life and DPD insurance, so that's your total disability where it's like if you pass away, here's a lump sum. If you can never work again, here's a lump sum.\n\nChannel 1: Yep.\n\nChannel 0: You have 787,500 of those. And combined, they're a little bit under $2 in premiums.\n\nChannel 1: Yep.\n\nChannel 0: So I wanna kind\n\nChannel 1: Yeah.\n\nChannel 0: of run that by you because if you're gonna purchase that two bedroom apartment, have\n\nChannel 1: Yep.\n\nChannel 0: you got any idea about how much that would cost?\n\nChannel 1: I reckon it's between $4.50 and 500.\n\nChannel 0: $4.50 and 500. So\n\nChannel 1: Yeah.\n\nChannel 0: what that kind of says is that outside of debt clearance, future liabilities, you look a little bit over insured unless you're wanting that lump sum cover to replace, like, lost income for the family, kids, and so on.\n\nChannel 1: Yeah. I mean, if it's if there's much of a much in terms of the premium, then I'm happy to keep that going. But, you know, if there's a big difference and obviously from my insurance, I'd rather sort of bring it down.\n\nChannel 0: Yeah. So if I let's say 787,000 current, 500,000 flat as an example, that chops about a third of it off. So you go from, say, 1,900 down to 1,400 kind of thing would\n\nChannel 1: Per\n\nChannel 0: be my\n\nChannel 1: year?\n\nChannel 0: estimate.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Well, look, that's if you if you do think that's a bit of over insured at the moment, that that makes a definite difference, I think, if we go for that one.\n\nChannel 0: Yeah. Because it's one of those things where what you want it for so step one, okay, get a a mortgage, clears the mortgage, happy days. You've got your income protection to kick in. That's great.\n\nChannel 1: Yep.\n\nChannel 0: And then from there, you can insure yourself for millions and come up with all reasons for it. You can say,\n\nChannel 1: Yep.\n\nChannel 0: okay. If I can never work again, I want the mortgage paid off, but then I also want a\n\nChannel 1: Yep.\n\nChannel 0: million dollars to live off and invest and renovate the house\n\nChannel 1: Yep.\n\nChannel 0: and do all this sort of thing, and you can just add so many different things on.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: K.\n\nChannel 0: the problem that you've got is that every January, that's gonna go up in premiums. And before you know it, just under 5,000 becomes 6 and a half, becomes 8, becomes 10, becomes 15 over\n\nChannel 1: Yep.\n\nChannel 0: the next ten years. And before you know\n\nChannel 1: Yep.\n\nChannel 0: it, then the supercombing backwards.\n\nChannel 1: Yep. Now, well, this is what I wanna avoid because it seemed to go up quite a lot last year. It was up, like, 25%. Oh, it's like, jeez. It's quite a kick.\n\nBut is there that that's just the way it is. Is that what what happens every year?\n\nChannel 0: Through the fifties and sixties is when it starts to become a bit of a hockey stick, and that's what I'm saying where it goes from, like, 3 to 15,000 a year over a ten year period. So the idea is as you pay debt down, you can trim it down, or you have to shop around every couple of years.\n\nChannel 1: Yeah. Well, this is the thing. I think I've sort of I'm still playing a bit of catch up. So I need to yeah. I mean, I need, obviously, to get the super up, but it's a catch 22.\n\nIt eats into the super, doesn't it? So\n\nChannel 0: Yes.\n\nChannel 1: what what's the best course of action with that then?\n\nChannel 0: So I need to do a couple of checks because not only do we do a bit of a trim down, I can like, it's been a couple of years just about. I can shop around and see if there's someone that's more affordable there. Like, I know MetLife did a pretty good deal initially.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: It hasn't been long enough that there would be too many, but I'm gonna just do the due diligence, research the market, and see.\n\nChannel 1: Yeah. So is there no default insurance with any of the super?\n\nChannel 0: You can get default cover when you apply for an account, like, within sixty days. You can get a bit of a default cover added there. But the main one for you at the moment, the kicker is the income protection. That's kind of your most expensive one.\n\nChannel 1: Yeah. Yeah. I understand that. It's it's necessary because I've got my own business and it's not like I've got work cover or anything, you know.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So I understand that's and and I think that is the bare minimum, you know, income protection wise that I would need. So yeah. I mean, that I have to take on the chin, I suppose.\n\nChannel 0: There\n\nChannel 1: But\n\nChannel 0: there is a bit of a trade off that you can consider, and it's it's purely up to you here, is you can adjust the waiting periods and the benefit periods. So what's\n\nChannel 1: Yeah.\n\nChannel 0: possible is if you go, okay. If I'm out of work for a month, this will kick in. But if you've got some savings built up, you can extend it out to sixty or ninety days, and that reduces it quite heavily. And then you've got the option to reduce the benefit period per injury from five years to two years.\n\nChannel 1: Well, maybe\n\nChannel 0: So it's\n\nChannel 1: that's\n\nChannel 0: more like\n\nChannel 1: something\n\nChannel 0: short\n\nChannel 1: we\n\nChannel 0: term.\n\nChannel 1: look at when it's further down the track, like, when I build the super up a bit more. And that's the thing, like, even with, you know, the settlement and and also if there's some extra super going in through my wife's account, then, yeah, maybe in a couple of years, I can kinda look to do that, I suppose.\n\nChannel 0: Yep.\n\nChannel 1: Might be the best way.\n\nChannel 0: So if\n\nChannel 1: Yep.\n\nChannel 0: you want, I will look at a bit of a reduction of the life in TPD to 500,000 flat, and then we can revisit altering\n\nChannel 1: Yep.\n\nChannel 0: the income protection next year.\n\nChannel 1: Yeah. That's cool. Yep.\n\nChannel 0: K. I still will just do a bit of a search on providers because if I see something amazing, that's like a 40% savings. I'll bring it up with you. But\n\nChannel 1: Yep.\n\nChannel 0: if not, I'm just gonna do an alteration with MetLife because there's no you you sign the letter saying trim it down. They just do it straight away. There's no\n\nChannel 1: Yeah.\n\nChannel 0: applications and underwriting and health checks and all that kind of thing. But if there's a big difference, I will flag it for you.\n\nChannel 1: Yep. Yeah. So so what is it now? Is it about 5,000 a year or something? What what\n\nChannel 0: Yeah.\n\nChannel 1: with\n\nChannel 0: It's $5.04 gross, and then the 15% rebate drops it down to $4.05 sorry, 4\n\nChannel 1: yes.\n\nChannel 0: 6.\n\nChannel 1: Yeah. It would be good to get it to that 4,000 and because I just yeah. If I'm putting 30,000 in a year, then, you know, I could almost look at trying to do 35, which is tough. But at the same time, I usually get to because with my shares, I'm sort of doing okay with, like, take a lump sum out of that once a year,\n\nChannel 0: Yep.\n\nChannel 1: which I did last year. I put another 5,000 or something, and I can't remember exactly, but I plan to do the same this year. So ideally, you know, say I'm putting in 35, then what's the cap now? Is it 32?\n\nChannel 0: They're just increasing to 32 and a half next financial year.\n\nChannel 1: Yeah. And say if I'm doing that, at least that covers a portion of the insurance.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Exactly right.\n\nChannel 1: does it go up to 30% after that?\n\nChannel 0: No. So anything above that, they look back five years to see if there's any cap that you've unused. And then outside of that, they start hitting you at that marginal rate\n\nChannel 1: Yeah.\n\nChannel 0: with the 15\n\nChannel 1: We have\n\nChannel 0: percent\n\nChannel 1: got\n\nChannel 0: offset.\n\nChannel 1: I probably have got some lay low leeway there. But do you do that, or is my account gonna put\n\nChannel 0: We\n\nChannel 1: that?\n\nChannel 0: can help with it. The only thing that\n\nChannel 1: Yeah.\n\nChannel 0: I need from you is if you go on your myGov, they have a section there that will literally tell you you have this much to use the last five financial years, and they'll break down every year for you. So I can even guide you through there if you wanna hop on my gov now, or we can just grab that off you later.\n\nChannel 1: Yeah. I think grab it grab it later. Is that something we have to do before the end of the next year or after is fine?\n\nChannel 0: You can do it next financial year is totally cool. It just means\n\nChannel 1: Yeah.\n\nChannel 0: that because they look back five years, as each year progresses, that previous one gets chopped off.\n\nChannel 1: Yeah. I mean, that's yeah. I get it. So I'd be well under that sort of cap anyway for the last five years. So,\n\nChannel 0: Yep.\n\nChannel 1: you know, probably we'll only get to the 30 this year, but we'll look at it, I suppose, in the next financial.\n\nChannel 0: Yep. So when I look at the super, do you want me to consider what it looks like with the 30 slash 32 and a half going in there in terms\n\nChannel 1: Yep.\n\nChannel 0: of projections going forward? Like, I'll update your your advice\n\nChannel 1: Yep.\n\nChannel 0: with the insurance premiums and what\n\nChannel 1: Yep.\n\nChannel 0: that does.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: So did\n\nChannel 0: you're\n\nChannel 1: that\n\nChannel 0: doing\n\nChannel 1: come off? Does that come\n\nChannel 0: four.\n\nChannel 1: sorry. So I'm\n\nChannel 0: Yep.\n\nChannel 1: does that come off the so it says I'll put in 32 for for for argument, say, 5,000 in insurances. Does that come off the 32? Do you know what I mean?\n\nChannel 0: Yeah. So the cap's the cap, and then all the expenses under the hood, they all get these 15% rebates, but they don't allow you to do extra to cover all the expenses. So the insurances don't extend your cap or anything like that.\n\nChannel 1: Okay. Alright. Alright. It's okay.\n\nChannel 0: So based\n\nChannel 1: I\n\nChannel 0: on\n\nChannel 1: I think\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: four\n\nChannel 1: will have\n\nChannel 0: 100\n\nChannel 1: some leeway with that. Yeah. I will have\n\nChannel 0: okay.\n\nChannel 1: some leeway with that last five years, so that's okay. Yep.\n\nChannel 0: Perfect. I won't do any at the moment. We'll just come back to that\n\nChannel 1: Yeah.\n\nChannel 0: next time. Because,\n\nChannel 1: Yeah.\n\nChannel 0: again, when we look at the income protection, we can also have a look for any lump sums to do Next one is for you.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: I'll put that in as a bit of a pause in terms of lump sum. The\n\nChannel 1: Yep.\n\nChannel 0: 400 a week that's going in there at the moment, it's listing as member voluntary through BPAY. Do you normally\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: I'm\n\nChannel 0: go\n\nChannel 1: also\n\nChannel 0: through\n\nChannel 1: doing\n\nChannel 0: that notice\n\nChannel 1: four\n\nChannel 0: of intent\n\nChannel 1: yeah.\n\nChannel 0: to claim\n\nChannel 1: I'm\n\nChannel 0: for\n\nChannel 1: doing\n\nChannel 0: it?\n\nChannel 1: 400 a month as well. I don't know why I did that, but I think I missed the direct debit. So there's there is 500 going in because there's an extra 400 going in once a month. So yeah. Yeah.\n\nChannel 0: That makes sense.\n\nChannel 1: I should just change\n\nChannel 0: Okay. So\n\nChannel 1: that. Do that. Just because why why I canceled it for some reason, and then when I should have did then I just kept that once a month. Some reason, it was going out once a month, and I was like, oh, no. So I I just kept that, but I still do the 400.\n\nSo it is 400 away. Yeah.\n\nChannel 0: Yep. Perfect. Perfect. So the we'll put it in as, like, 26 currently. And then do you normally just do the form to claim them as a tax deduction before you do your tax return every year?\n\nChannel 1: I think you guys did it last year. So yeah.\n\nChannel 0: Yep. Perfect. And I'll do a projection to show you what the 32 and a half does as well\n\nChannel 1: Yep.\n\nChannel 0: just so you can see the difference between the two. Got that, and we've got that. Now in terms of balance, you've had a pretty pretty solid buy in from your contributions, which has been really good. I know you had a bit of a rough period in 2025, but the last twelve months is looking really good just in terms of balance going from that sort of 69 up to 88 and a half even with the market dropping.\n\nChannel 1: Yeah. Certainly did.\n\nChannel 0: So that one's well, that's a bit of a the high growth roller coaster for you is a bit fun.\n\nChannel 1: Yeah. Well, I'm doing it with my share account. I was getting 40% when I was thinking I was a bloody genius. I think I was Warren Buffett, but now I'm on 10%. So, anyway,\n\nChannel 0: Yep.\n\nChannel 1: I get it.\n\nChannel 0: What do they call that? The risk return trade off where when everything's going up, everyone's excited, and then they panic when it goes down. And then after a few of those, you become a bit more calm to it.\n\nChannel 1: Yeah. I think\n\nChannel 0: But\n\nChannel 1: it's\n\nChannel 0: it\n\nChannel 1: it's called\n\nChannel 0: seems\n\nChannel 1: a shit\n\nChannel 0: like a\n\nChannel 1: sandwich,\n\nChannel 0: lot.\n\nChannel 1: actually, Tom. But anyway, call it what you want.\n\nChannel 0: Yeah. That's it. That's the one that you're allowed to say, and I'm not on a record call, but I agree. One good thing, though, is all of the investment options are doing fantastic. You've got battery tech and lithium up a 101%.\n\nGold's up just under 20 international shares. So all overall, you still clear the 12% return after fees, which is\n\nChannel 1: Oh,\n\nChannel 0: above\n\nChannel 1: that's\n\nChannel 0: the\n\nChannel 1: bad.\n\nChannel 0: 10 for\n\nChannel 1: Yeah.\n\nChannel 0: the benchmark.\n\nChannel 1: Because last time I heard it was 9%, and I was like, oh, jeez.\n\nChannel 0: Yeah. Look. Some years, you're even gonna be down 25, and then it'll go up 40, and that's just as long as you're in high growth, that's kind of the the roller\n\nChannel 1: Yep.\n\nChannel 0: coaster we do to\n\nChannel 1: Yep.\n\nChannel 0: average out for a decade, and then we reduce the risk down once it's built.\n\nChannel 1: Yep. Yeah. That's cool.\n\nChannel 0: There is one thing\n\nChannel 1: That's\n\nChannel 0: I'll\n\nChannel 1: fine.\n\nChannel 0: do, though, is sorry to interrupt you. One investment\n\nChannel 1: Yep.\n\nChannel 0: option is kind of it's not doing too well, the Australian shares. It's, from what I can see, down 16. The rest of the portfolio is looking really good. So if I'm gonna be updating the insurances, I may just replace that option just to get a bit of an engine tune up going.\n\nChannel 1: Yeah. Because that's what I've that's all I do every day is just listen to podcast about it. And apparently, yeah, this trial is pretty pretty short at the moment. So\n\nChannel 0: Yeah. And it's one of those things where this option's going down a bit further than the other ones, and I wanna kind of just bring that back in line a little bit.\n\nChannel 1: yep.\n\nChannel 0: Do you have a bit of a preference between that kind of low fee, passive style versus the higher fee, try and beat the market, get a higher return style? Do you have a preference?\n\nChannel 1: What gets the best result really, to be honest, Tom? Like, it's sort of I know I have yeah. Like you say, I reckon I have ten years to make it happen. So whatever's gonna work, I mean, obviously, when I get closer to 60, I don't want too much of the risk. But at the moment, I have to kinda throw caution in a little bit.\n\nChannel 0: Yeah. Well, one of the little improvements I can do is, like, you're in this blended style at the moment where most of them are low fee ETFs, and then that one managed funds, the\n\nChannel 1: Yeah.\n\nChannel 0: active portion hasn't been doing its thing. But there's we've got really good alternatives across all the different styles. And Hub's\n\nChannel 1: Yep.\n\nChannel 0: got the most investment options in the country, so I can pick a really good one, get the\n\nChannel 1: Yep.\n\nChannel 0: fees down a bit, and it's done better, you know, short term, medium term, long term.\n\nChannel 1: Yep.\n\nChannel 0: And I can do a bit of a little switcheroo.\n\nChannel 1: Yep. And what I've noticed as well, it doesn't seem I don't know the total amount which is invested at the moment. I'm only seeing occasional buyers and of low amounts. I just wanna make\n\nChannel 0: Yes.\n\nChannel 1: sure yeah. I just wanna make sure that we're investing everything because I don't wanna sit in cash for I don't know those figures at all. So I'm just hoping that, you know, it's all invested and not just half of it sitting in cash because defeats the\n\nChannel 0: Yeah. So when I'm looking at your account,\n\nChannel 1: whole\n\nChannel 0: Hub's got their one\n\nChannel 1: purpose\n\nChannel 0: point 25% minimum cash Hub\n\nChannel 1: design.\n\nChannel 0: balance for the bank account. But outside\n\nChannel 1: Yeah.\n\nChannel 0: of that, everything's invested. So there's, like, 18\n\nChannel 1: That's\n\nChannel 0: $100 sitting there ready to\n\nChannel 1: That's\n\nChannel 0: clear. Those little buys you see, you know, contributions come in, buys\n\nChannel 1: Yep.\n\nChannel 0: into the market with a dollar\n\nChannel 1: Yep.\n\nChannel 0: cost averaging.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Okay. So I could update that one option there. Now just bear on because you are in that high growth, you're kind of that 90% growth assets, shares, property, gold, you still got just shy of about 6% sitting sitting in fixed interest, which is a small portion in the\n\nChannel 1: Yeah.\n\nChannel 0: lower risk, you know, earns\n\nChannel 1: Yeah.\n\nChannel 0: four to 5% safe return. Look. The high growth's long term, fantastic. I'm just letting you know that there's a small portion that's in a little bit lower risk. It's not cash, but it's the one above cash.\n\nChannel 1: That's cool. I get that.\n\nChannel 0: Cool. Alrighty. So game plan from here is pretty much just go through your your settlement and everything as you do. We will get the life and TPD insurances trimmed down, portfolio tuned up, and then I'll kind of run through that with you in an updated advice document. And you can kind\n\nChannel 1: Yep.\n\nChannel 0: of say what I'm proposing, make sure you're happy. I'll do the switches, and then we'll come back around for the income protection and further contribution strategies.\n\nChannel 1: Okay. Cool. That sounds good.\n\nChannel 0: Yep. I will include the 32 and a half just so you can see it as well.\n\nChannel 1: Yeah. Is that you know, I know you can't give me exact here, but does it look good from that perspective of what we're talking about? So that mill?\n\nChannel 0: Let me have a look. I'm gonna do a very, very rough on the phone\n\nChannel 1: Yeah.\n\nChannel 0: projection\n\nChannel 1: Yeah.\n\nChannel 0: here.\n\nChannel 1: I get it.\n\nChannel 0: Just let me plug in a few figures. Just while I'm updating this projection here, I do have to ask you one more sort of personal question, and\n\nChannel 1: Yep.\n\nChannel 0: it's just around the estate planning in terms of beneficiary nominations, whether you wanted to still leave them as is or if you had someone else that you wanted to now switch for the\n\nChannel 1: No.\n\nChannel 0: nomination.\n\nChannel 1: I mean, it would be the kids that I'd want it to go to. You know, I suppose that's the norm thing to do in this case. So but I maybe we'd look at that sort of down the track a bit more when everything's, you know, finalized.\n\nChannel 0: Yep. In next meeting as well. That's cool. I'm just putting in here the 500 a week to start with, and\n\nChannel 1: Yep.\n\nChannel 0: then anything that goes in super, obviously, there's the the 15% that comes off of it. So I'm just gonna work that off, get you a bit more of a conservative projection here, and I'll work my way up. So in terms of retirement, are we still just hitting, like, a nice normal kind of age 65,\n\nChannel 1: Yeah.\n\nChannel 0: 67?\n\nChannel 1: Look, hoping to be sort of 62, to be honest, but, yeah, we'll see.\n\nChannel 0: Okay. This alright. This is incumbent on you getting a nice high growth return for quite a while and that level of contributions for quite a while, but I'll give you a few rough figures here. So let's say we do $4.25 a week after tax. That's\n\nChannel 1: Yep.\n\nChannel 0: your your contributions currently.\n\nChannel 1: Yep.\n\nChannel 0: 10% benchmark return for high growth. You're kind of just getting shy. You're just hitting a million dollars\n\nChannel 1: Okay.\n\nChannel 0: at 65. But that doesn't take into account a slight risk reduction in those last few years. So call it $85,900,000\n\nChannel 1: Yeah.\n\nChannel 0: just based\n\nChannel 1: And then so there's\n\nChannel 0: on benchmark.\n\nChannel 1: a 100 is that including the 100 thousands, like, maybe that comes in with the setup well, the the boss, I suppose, is the way to say it. But\n\nChannel 0: Yeah. If\n\nChannel 1: yeah.\n\nChannel 0: I add that in, a $188.05, that impacts things by another 2 to 400,000. So that\n\nChannel 1: Yep.\n\nChannel 0: pretty much guarantees based on benchmark return, your contribution level, and a 188,000 balance that\n\nChannel 1: Yep.\n\nChannel 0: you will clear that mark.\n\nChannel 1: Yep.\n\nChannel 0: And the last thing I'm gonna bump up is if I go to 32 and a half, let's call it $6.25. Bump that in there. The extra contributions impacts it by from about 1.4 to 1.6. So getting that 32 and a half in there, that's another couple of 100,000. And then for every 1% over that is another 200,000.\n\nChannel 1: Wow.\n\nChannel 0: So as\n\nChannel 1: Okay.\n\nChannel 0: long as we're getting at least 10% return,\n\nChannel 1: Yep.\n\nChannel 0: current contributions and a 188,000, it it's this weird trade off where the last ten years going from 51 to 60 is where it ramps up to that million, 1 0.2, 1.4, or 800.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And then you've got to kind of turn the risk off so you don't just lose it all when the stock market crash at 63.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. But that level of contributions, high growth in that balance, you have a really strong way to catch that right up. And even if we did a, let's say, work had to slow down for two years between '60 and '62, we\n\nChannel 1: Yep.\n\nChannel 0: can do a transition to retirement strategy. So you can take some money out of super and put it back in again for a deduction and boost it up a little extra that way.\n\nChannel 1: Yep.\n\nChannel 0: There's a few things that we can do.\n\nChannel 1: Yep.\n\nChannel 0: So looking pretty good as long as we can maintain that. But, again, it's pretty much just gonna be every year. We just have an updated discussion\n\nChannel 1: Yep.\n\nChannel 0: what's going on in the markets, what do we need to fine tune, and your outcome is gonna be somewhere between $8.50 1.4.\n\nChannel 1: That's good. That's good. And it's keeping my my shares out of that. It's just because I'm playing with that to try and get the extra in there\n\nChannel 0: Yeah.\n\nChannel 1: once a year. So, yeah, that's good.\n\nChannel 0: Cool. So I've got a bit of a game plan. Does all that kind of make sense to start with while I build the plan and do the research?\n\nChannel 1: That sounds really good, Tom.\n\nChannel 0: Awesome. From here, I'm actually about to go on leave for two weeks. I'm having a my third baby is due next week.\n\nChannel 1: Good on that. Good on that. Good on that. Congratulations.\n\nChannel 0: Thank you. So two boys, and I've got a girl on the way. So I'll be on paternity leave for a fortnight, and then that's basically what when the team does the research while I'm away.\n\nChannel 1: Yep.\n\nChannel 0: And then I'll build that plan, and they'll book you in to go through it with me. And then we'll\n\nChannel 1: Yep.\n\nChannel 0: do another catch up, you know, six months later to go through steps two.\n\nChannel 1: No. I'm happy with that time and it's yeah. Yeah. I know it's been a few mix. Not well, there's been a few changes to half as well, so it's good that I can I can sort of rely on you?\n\nThat's good.\n\nChannel 0: Yep. I will pretty\n\nChannel 1: And\n\nChannel 0: much\n\nChannel 1: also\n\nChannel 0: be looking\n\nChannel 1: the fee\n\nChannel 0: through\n\nChannel 1: fee is\n\nChannel 0: everything.\n\nChannel 1: why because yeah.\n\nChannel 0: Sorry.\n\nChannel 1: Just\n\nChannel 0: You go.\n\nChannel 1: the bottom of my mind. Sorry, mate. It's just the I think we get a discount on the fees because we're a couple you know, we got some discount on the percentage that we're getting charged. Does that still\n\nChannel 0: Yes.\n\nChannel 1: apply?\n\nChannel 0: So I'll pull up the service agreement at the moment. Let's have a little look. So your service agreement still runs through till October 2026 currently,\n\nChannel 1: Yep.\n\nChannel 0: and it doesn't expire until March 2027.\n\nChannel 1: Yep.\n\nChannel 0: It'll be one of the things where I'll have a discussion with you towards that endpoint, and\n\nChannel 1: Yeah.\n\nChannel 0: we can kind of discuss what the services look like. If I can maintain it, I will, but it's a\n\nChannel 1: Yep.\n\nChannel 0: request that I would have to put through next year.\n\nChannel 1: Yeah. I understand. Is it one\n\nChannel 0: Yep.\n\nChannel 1: point what is it now? One point?\n\nChannel 0: Yeah. So it was 1.65, and the couple's discount's 1.1.\n\nChannel 1: Yeah. It's a good difference.\n\nChannel 0: Yep. And then once you hit 600,000, that's when it flat caps. And, again, everything after that because we've got the clients 1,000,000, 2,000,000, that kind of thing, and we\n\nChannel 1: Yep.\n\nChannel 0: have to put a bit of a cap at the 600 mark.\n\nChannel 1: Yeah. I get it. That's cool.\n\nChannel 0: Cool. Any questions so far, or does\n\nChannel 1: No. That's\n\nChannel 0: that sound\n\nChannel 1: good.\n\nChannel 0: good? Cool. If you have any questions in between and something changes, you wanna have a chat while I'm away, we do have Larissa, our head of advice, and the rest of the advice team still available. But if there's any emergencies, they'll contact me as well.\n\nChannel 1: Yep. Yeah. No stress. That's all good.\n\nChannel 0: Cool. I'm just quickly checking the updated goals here because I've got the retirement goals set in there. We've got the updated sort of property settlement to bedroom as the idea for the next twelve months\n\nChannel 1: Yep.\n\nChannel 0: and just kind of altering the insurances a little bit. That's what I'm putting in there as goals.\n\nChannel 1: Yep. So, I mean, I'm sort of toying with the idea. So if I get 40,000 out of this settlement, whether I put it in straight into super, but I think I might need the cash on hand for a deposit on the on the apartment, so in a year's time. But you didn't include, say, that 40,000 going into super digit.\n\nChannel 0: No. No. So what I'm sort\n\nChannel 1: No. That's\n\nChannel 0: of saying\n\nChannel 1: fine.\n\nChannel 0: is potentially a 100 is what\n\nChannel 1: Yep.\n\nChannel 0: we're I'm not even gonna include it now until it's a reality.\n\nChannel 1: Yep.\n\nChannel 0: Outside of that, I'm saying property settlement 40 goes into cash alongside\n\nChannel 1: Yep.\n\nChannel 0: the 55 in shares and the 50 in savings\n\nChannel 1: Yep. Okay.\n\nChannel 0: for the time being.\n\nChannel 1: So you did include the 100 if we go over that. If we put that in, it makes a big difference. But either way, it'll be close to 1,000,000 without that even, but that should go in anyway. So alright. Cool.\n\nChannel 0: Yeah.\n\nChannel 1: I'll get it. That's cool. No. That\n\nChannel 0: So\n\nChannel 1: looks\n\nChannel 0: if\n\nChannel 1: good.\n\nChannel 0: we attack it from three, four angles, pretty well, good chance to get there.\n\nChannel 1: Yep. Yeah. Good stuff. Alright. No probs.\n\nChannel 0: Awesome. Alright, mate, mate. Appreciate your time today. I will work my magic and do my thing. And then in about four weeks' time, you'll get booked in with me, and we'll run through the the plan together.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: then I'm good to go.\n\nChannel 1: Sounds good, Tom. Very good.\n\nChannel 0: Awesome, mate. You have a great night. Anything you need, just call straight back.\n\nChannel 1: You too, mate. Have a good break, and, yeah, congratulations too.\n\nChannel 0: I will. Thank you so much, Matt.\n\nChannel 1: Good on yourself. Cheers, mate.\n\nChannel 0: Bye.\n\nChannel 1: See you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Matthew.","start":1.28,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.26801395416259766},{"text":"It's Tom here, senior adviser.","start":2.3999999,"end":3.84,"sentiment":"neutral","sentiment_score":0.20104207396507262},{"text":"How are you going?","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.20729588717222214}],"sentiment":"neutral","sentiment_score":0.21986964841683707,"channel":0,"num_words":12,"start":1.28,"end":4.66},{"sentences":[{"text":"Good, Tom.","start":5.12,"end":5.6,"sentiment":"positive","sentiment_score":0.4294939935207367},{"text":"Yourself?","start":5.6,"end":6.1,"sentiment":"neutral","sentiment_score":0.2859499454498291}],"sentiment":"positive","sentiment_score":0.38164597749710083,"channel":1,"num_words":3,"start":5.12,"end":6.1},{"sentences":[{"text":"Right.","start":6.48,"end":6.8799996,"sentiment":"positive","sentiment_score":0.46041855216026306},{"text":"Living the dream so far.","start":6.8799996,"end":8.0,"sentiment":"positive","sentiment_score":0.642765736579895},{"text":"It's a cool evening, and the week is flying by pretty quick already.","start":8.0,"end":11.92,"sentiment":"positive","sentiment_score":0.7212981214890113},{"text":"What about your end?","start":11.92,"end":12.975,"sentiment":"neutral","sentiment_score":0.165141886100173}],"sentiment":"positive","sentiment_score":0.596160450383373,"channel":0,"num_words":23,"start":6.48,"end":12.975},{"sentences":[{"text":"Nice.","start":12.719999,"end":13.095,"sentiment":"positive","sentiment_score":0.580157995223999},{"text":"Good.","start":13.335,"end":13.575,"sentiment":"positive","sentiment_score":0.5094314217567444},{"text":"Good.","start":13.575,"end":13.975,"sentiment":"positive","sentiment_score":0.3596041798591614},{"text":"Sorry I missed your call.","start":13.975,"end":14.8550005,"sentiment":"neutral","sentiment_score":0.0192355465143919},{"text":"I didn't see it pop up, so","start":14.8550005,"end":16.555,"sentiment":"neutral","sentiment_score":-0.029808751440473964}],"sentiment":"neutral","sentiment_score":0.0891140046219031,"channel":1,"num_words":15,"start":12.719999,"end":16.555},{"sentences":[{"text":"No.","start":16.815,"end":16.975,"sentiment":"neutral","sentiment_score":-0.03980962187051773}],"sentiment":"neutral","sentiment_score":-0.03980962187051773,"channel":0,"num_words":1,"start":16.815,"end":16.975},{"sentences":[{"text":"all","start":16.935,"end":17.095001,"sentiment":"neutral","sentiment_score":-0.013510677963495256}],"sentiment":"neutral","sentiment_score":-0.013510677963495256,"channel":1,"num_words":1,"start":16.935,"end":17.095001},{"sentences":[{"text":"It's okay.","start":16.975,"end":17.295,"sentiment":"neutral","sentiment_score":0.08490629866719246}],"sentiment":"neutral","sentiment_score":0.08490629866719246,"channel":0,"num_words":2,"start":16.975,"end":17.295},{"sentences":[{"text":"good.","start":17.095001,"end":17.335,"sentiment":"neutral","sentiment_score":0.2321436107158661}],"sentiment":"neutral","sentiment_score":0.2321436107158661,"channel":1,"num_words":1,"start":17.095001,"end":17.335},{"sentences":[{"text":"It","start":17.295,"end":17.455,"sentiment":"neutral","sentiment_score":0.04526877403259277}],"sentiment":"neutral","sentiment_score":0.04526877403259277,"channel":0,"num_words":1,"start":17.295,"end":17.455},{"sentences":[{"text":"But","start":17.335,"end":17.535,"sentiment":"neutral","sentiment_score":0.02384117804467678}],"sentiment":"neutral","sentiment_score":0.02384117804467678,"channel":1,"num_words":1,"start":17.335,"end":17.535},{"sentences":[{"text":"didn't","start":17.455,"end":17.775,"sentiment":"neutral","sentiment_score":0.03275877237319946}],"sentiment":"neutral","sentiment_score":0.03275877237319946,"channel":0,"num_words":1,"start":17.455,"end":17.775},{"sentences":[{"text":"yeah.","start":17.735,"end":18.235,"sentiment":"neutral","sentiment_score":0.02105717360973358}],"sentiment":"neutral","sentiment_score":0.02105717360973358,"channel":1,"num_words":1,"start":17.735,"end":18.235},{"sentences":[{"text":"actually ring through, so I don't think you would have seen it.","start":17.775,"end":19.855,"sentiment":"neutral","sentiment_score":0.008757851299985001},{"text":"It just went straight to voice mail, and I was like, oh, I'll send","start":19.855,"end":22.095001,"sentiment":"neutral","sentiment_score":0.04631033805864198}],"sentiment":"neutral","sentiment_score":0.02897842109310799,"channel":0,"num_words":26,"start":17.775,"end":22.095001},{"sentences":[{"text":"That was","start":21.895,"end":22.295,"sentiment":"neutral","sentiment_score":0.11592739075422287}],"sentiment":"neutral","sentiment_score":0.11592739075422287,"channel":1,"num_words":2,"start":21.895,"end":22.295},{"sentences":[{"text":"him a","start":22.095001,"end":22.335,"sentiment":"neutral","sentiment_score":0.19124048948287964}],"sentiment":"neutral","sentiment_score":0.19124048948287964,"channel":0,"num_words":2,"start":22.095001,"end":22.335},{"sentences":[{"text":"great.","start":22.295,"end":22.795,"sentiment":"neutral","sentiment_score":0.24370309710502625}],"sentiment":"neutral","sentiment_score":0.24370309710502625,"channel":1,"num_words":1,"start":22.295,"end":22.795},{"sentences":[{"text":"text just in case.","start":22.335,"end":23.395,"sentiment":"neutral","sentiment_score":0.08685736916959286}],"sentiment":"neutral","sentiment_score":0.08685736916959286,"channel":0,"num_words":4,"start":22.335,"end":23.395},{"sentences":[{"text":"Yeah.","start":23.735,"end":24.055,"sentiment":"neutral","sentiment_score":0.04606398195028305},{"text":"No worries.","start":24.055,"end":24.695,"sentiment":"neutral","sentiment_score":0.05094985291361809},{"text":"But, yeah, I just wanna have a chat.","start":24.695,"end":26.455,"sentiment":"neutral","sentiment_score":0.05714818462729454},{"text":"My situation sort of changed a bit.","start":26.455,"end":28.455,"sentiment":"neutral","sentiment_score":-0.03438630434019225},{"text":"I've had","start":28.455,"end":29.07,"sentiment":"neutral","sentiment_score":-0.027894300408661366}],"sentiment":"neutral","sentiment_score":0.015432821679860353,"channel":1,"num_words":20,"start":23.735,"end":29.07},{"sentences":[{"text":"Yeah.","start":28.99,"end":29.49,"sentiment":"neutral","sentiment_score":-0.014779764227569103}],"sentiment":"neutral","sentiment_score":-0.014779764227569103,"channel":0,"num_words":1,"start":28.99,"end":29.49},{"sentences":[{"text":"a separation in marriage, and so I'm I'm looking first of all, I suppose my insurances, I kinda need to relook at, I think, because I've I've I've had for about a year just it's just ticked over a year now.","start":29.07,"end":44.524998,"sentiment":"neutral","sentiment_score":-0.009561810528904927},{"text":"There was a quite a big jump in the premium even after one year.","start":44.524998,"end":49.965,"sentiment":"neutral","sentiment_score":-0.03270875981875828},{"text":"It went up sort of, like, 25%.","start":49.965,"end":52.204998,"sentiment":"neutral","sentiment_score":-0.0013996679335832598},{"text":"So","start":52.204998,"end":52.704998,"sentiment":"neutral","sentiment_score":0.04308195412158966}],"sentiment":"neutral","sentiment_score":-0.012963056993035097,"channel":1,"num_words":63,"start":29.07,"end":52.704998},{"sentences":[{"text":"Yeah.","start":52.94,"end":53.44,"sentiment":"neutral","sentiment_score":0.06433341652154922}],"sentiment":"neutral","sentiment_score":0.06433341652154922,"channel":0,"num_words":1,"start":52.94,"end":53.44},{"sentences":[{"text":"I kinda wanna evaluate that a bit and also my super as well.","start":53.085,"end":58.045,"sentiment":"neutral","sentiment_score":0.15371902516255012},{"text":"I need to sort of make sure I'm on track.","start":58.045,"end":60.18,"sentiment":"neutral","sentiment_score":0.1445293329656124},{"text":"I'm sort of trying to put in 500 a week at the moment, which is not a small amount.","start":60.18,"end":64.98,"sentiment":"neutral","sentiment_score":0.07025705532808053},{"text":"So I'm hoping to do 30 a year.","start":64.98,"end":67.240005,"sentiment":"neutral","sentiment_score":0.09179838420823216},{"text":"So I just wanna make","start":68.58,"end":69.46,"sentiment":"neutral","sentiment_score":0.07693172097206116}],"sentiment":"neutral","sentiment_score":0.10722855248234489,"channel":1,"num_words":55,"start":53.085,"end":69.46},{"sentences":[{"text":"Yeah.","start":69.355,"end":69.855,"sentiment":"neutral","sentiment_score":0.08898007869720459}],"sentiment":"neutral","sentiment_score":0.08898007869720459,"channel":0,"num_words":1,"start":69.355,"end":69.855},{"sentences":[{"text":"sure I'm sort of, you know, sort of in the loop in seeing what's sort of going on because I haven't sort","start":69.46,"end":74.835,"sentiment":"neutral","sentiment_score":0.05439427761699666}],"sentiment":"neutral","sentiment_score":0.05439427761699666,"channel":1,"num_words":22,"start":69.46,"end":74.835},{"sentences":[{"text":"Yeah.","start":74.49,"end":74.99,"sentiment":"neutral","sentiment_score":-0.00792512483894825}],"sentiment":"neutral","sentiment_score":-0.00792512483894825,"channel":0,"num_words":1,"start":74.49,"end":74.99},{"sentences":[{"text":"of looked at it for a while.","start":74.835,"end":76.855,"sentiment":"neutral","sentiment_score":-0.025673313598547663}],"sentiment":"neutral","sentiment_score":-0.025673313598547663,"channel":1,"num_words":7,"start":74.835,"end":76.855},{"sentences":[{"text":"So what I'll do in this situation, what I gotta do is basically update some of your details, see","start":76.97,"end":82.590004,"sentiment":"neutral","sentiment_score":0.0722864848610602}],"sentiment":"neutral","sentiment_score":0.0722864848610602,"channel":0,"num_words":19,"start":76.97,"end":82.590004},{"sentences":[{"text":"Yep.","start":82.195,"end":82.695,"sentiment":"neutral","sentiment_score":0.04796382412314415}],"sentiment":"neutral","sentiment_score":0.04796382412314415,"channel":1,"num_words":1,"start":82.195,"end":82.695},{"sentences":[{"text":"what I can note down in your fact find in terms of assets, liabilities,","start":82.81,"end":86.11,"sentiment":"neutral","sentiment_score":0.04157913303268807}],"sentiment":"neutral","sentiment_score":0.04157913303268807,"channel":0,"num_words":14,"start":82.81,"end":86.11},{"sentences":[{"text":"Yep.","start":85.62,"end":86.12,"sentiment":"neutral","sentiment_score":0.04099208116531372}],"sentiment":"neutral","sentiment_score":0.04099208116531372,"channel":1,"num_words":1,"start":85.62,"end":86.12},{"sentences":[{"text":"what's changed, and then I'll pretty much come up with a bit of a game plan with you on how you're tracking and whether we need to adjust anything, whether it's","start":86.17,"end":94.765,"sentiment":"neutral","sentiment_score":0.0720372998546208}],"sentiment":"neutral","sentiment_score":0.0720372998546208,"channel":0,"num_words":31,"start":86.17,"end":94.765},{"sentences":[{"text":"Yep.","start":94.58,"end":95.08,"sentiment":"neutral","sentiment_score":0.03403880447149277}],"sentiment":"neutral","sentiment_score":0.03403880447149277,"channel":1,"num_words":1,"start":94.58,"end":95.08},{"sentences":[{"text":"the insurance or the super.","start":94.765,"end":96.305,"sentiment":"neutral","sentiment_score":-0.0052171297371387485}],"sentiment":"neutral","sentiment_score":-0.0052171297371387485,"channel":0,"num_words":5,"start":94.765,"end":96.305},{"sentences":[{"text":"Yep.","start":96.58,"end":96.82,"sentiment":"neutral","sentiment_score":0.09114884585142136}],"sentiment":"neutral","sentiment_score":0.09114884585142136,"channel":1,"num_words":1,"start":96.58,"end":96.82},{"sentences":[{"text":"So","start":96.765,"end":97.265,"sentiment":"neutral","sentiment_score":0.10196425020694733}],"sentiment":"neutral","sentiment_score":0.10196425020694733,"channel":0,"num_words":1,"start":96.765,"end":97.265},{"sentences":[{"text":"Yep.","start":96.82,"end":97.32,"sentiment":"neutral","sentiment_score":0.14830617606639862}],"sentiment":"neutral","sentiment_score":0.14830617606639862,"channel":1,"num_words":1,"start":96.82,"end":97.32},{"sentences":[{"text":"I'm just pulling up your super account now.","start":97.725006,"end":99.645004,"sentiment":"neutral","sentiment_score":0.18395669385790825},{"text":"And while I'm doing that, with the separation, has that finalized in terms of a property settlement?","start":99.645004,"end":105.97,"sentiment":"neutral","sentiment_score":0.09538515131263171}],"sentiment":"neutral","sentiment_score":0.12372804492712021,"channel":0,"num_words":25,"start":97.725006,"end":105.97},{"sentences":[{"text":"Well, no.","start":107.345,"end":108.225006,"sentiment":"neutral","sentiment_score":-0.05528945755213499},{"text":"Basically, we're sort of going through a mediation sort of thing now.","start":108.225006,"end":111.265,"sentiment":"neutral","sentiment_score":-0.07630760533114274},{"text":"So it's only been,","start":111.265,"end":112.40501,"sentiment":"neutral","sentiment_score":-0.028296767733991146}],"sentiment":"neutral","sentiment_score":-0.06330318055633041,"channel":1,"num_words":18,"start":107.345,"end":112.40501},{"sentences":[{"text":"Yeah.","start":112.11,"end":112.61,"sentiment":"neutral","sentiment_score":-0.002560354769229889}],"sentiment":"neutral","sentiment_score":-0.002560354769229889,"channel":0,"num_words":1,"start":112.11,"end":112.61},{"sentences":[{"text":"you know, sort of four months.","start":112.705,"end":114.08501,"sentiment":"neutral","sentiment_score":-0.011891563733418783},{"text":"So, yeah, it's sort of been we we had an investment property, which is just well, it's settling actually as well as we speak.","start":114.145004,"end":122.49,"sentiment":"neutral","sentiment_score":0.07420865135888259},{"text":"But","start":122.49,"end":122.99,"sentiment":"neutral","sentiment_score":-0.002282381057739258}],"sentiment":"neutral","sentiment_score":0.05507664094048162,"channel":1,"num_words":31,"start":112.705,"end":122.99},{"sentences":[{"text":"Settling of style.","start":123.085,"end":124.225,"sentiment":"neutral","sentiment_score":-0.053084938476483025}],"sentiment":"neutral","sentiment_score":-0.053084938476483025,"channel":0,"num_words":3,"start":123.085,"end":124.225},{"sentences":[{"text":"yeah.","start":124.729996,"end":125.229996,"sentiment":"neutral","sentiment_score":-0.1013629287481308},{"text":"So, I mean, that's not a great, you know, huge profit we gotta make out of that.","start":125.29,"end":130.22499,"sentiment":"neutral","sentiment_score":-0.2624426913612029},{"text":"But regardless, I suppose, you know, we haven't got to the part of, you know, separating super or anything like that at the moment.","start":130.22499,"end":137.985,"sentiment":"neutral","sentiment_score":-0.1436287279551228},{"text":"So it's not","start":137.985,"end":138.54498,"sentiment":"neutral","sentiment_score":-0.06834310293197632}],"sentiment":"neutral","sentiment_score":-0.18255572136905457,"channel":1,"num_words":45,"start":124.729996,"end":138.54498},{"sentences":[{"text":"Yeah.","start":138.39499,"end":138.89499,"sentiment":"neutral","sentiment_score":-0.061910927295684814}],"sentiment":"neutral","sentiment_score":-0.061910927295684814,"channel":0,"num_words":1,"start":138.39499,"end":138.89499},{"sentences":[{"text":"yeah.","start":138.70499,"end":139.20499,"sentiment":"neutral","sentiment_score":-0.045569706708192825},{"text":"We're not inked","start":139.265,"end":139.985,"sentiment":"neutral","sentiment_score":-0.03828796495993932}],"sentiment":"neutral","sentiment_score":-0.0401084003970027,"channel":1,"num_words":4,"start":138.70499,"end":139.985},{"sentences":[{"text":"So","start":139.675,"end":140.175,"sentiment":"neutral","sentiment_score":-0.04905501753091812}],"sentiment":"neutral","sentiment_score":-0.04905501753091812,"channel":0,"num_words":1,"start":139.675,"end":140.175},{"sentences":[{"text":"up to that page.","start":139.985,"end":140.965,"sentiment":"neutral","sentiment_score":-0.03339287405833602}],"sentiment":"neutral","sentiment_score":-0.03339287405833602,"channel":1,"num_words":4,"start":139.985,"end":140.965},{"sentences":[{"text":"that's some of the the considerations that I have to do as well because once you go through and that's finalized is I need to take a bit of stock in where that lands and see","start":140.955,"end":152.55,"sentiment":"neutral","sentiment_score":-0.010259962795923153}],"sentiment":"neutral","sentiment_score":-0.010259962795923153,"channel":0,"num_words":36,"start":140.955,"end":152.55},{"sentences":[{"text":"Mhmm.","start":152.06,"end":152.56,"sentiment":"neutral","sentiment_score":-0.009675031527876854}],"sentiment":"neutral","sentiment_score":-0.009675031527876854,"channel":1,"num_words":1,"start":152.06,"end":152.56},{"sentences":[{"text":"how much we need to do in terms of, like, catching up the super, how that's actually projecting, and","start":152.77,"end":157.33,"sentiment":"neutral","sentiment_score":-0.009521625102742723}],"sentiment":"neutral","sentiment_score":-0.009521625102742723,"channel":0,"num_words":19,"start":152.77,"end":157.33},{"sentences":[{"text":"Yep.","start":157.11499,"end":157.61499,"sentiment":"neutral","sentiment_score":-0.005446223076432943}],"sentiment":"neutral","sentiment_score":-0.005446223076432943,"channel":1,"num_words":1,"start":157.11499,"end":157.61499},{"sentences":[{"text":"things like that.","start":157.33,"end":158.21,"sentiment":"neutral","sentiment_score":-0.0077525408317645405},{"text":"When I've got some final figures, that'll help a little bit, but I will check the super with you today.","start":158.21,"end":162.53,"sentiment":"neutral","sentiment_score":0.05946542974561453},{"text":"But just bear in mind, there'll be a couple things that'll be on hold.","start":162.53,"end":165.495,"sentiment":"neutral","sentiment_score":-0.08258940598794393}],"sentiment":"neutral","sentiment_score":0.0002648456374535689,"channel":0,"num_words":37,"start":157.33,"end":165.495},{"sentences":[{"text":"Yep.","start":165.75499,"end":165.995,"sentiment":"neutral","sentiment_score":0.003520537866279483},{"text":"Yep.","start":165.995,"end":166.495,"sentiment":"neutral","sentiment_score":0.0038363232742995024}],"sentiment":"neutral","sentiment_score":0.0036784305702894926,"channel":1,"num_words":2,"start":165.75499,"end":166.495},{"sentences":[{"text":"So just quickly with the investment property, I last had it listed when you spoke to Kyle at six hundred and fifty thousand value owing $3.80.","start":166.775,"end":174.855,"sentiment":"neutral","sentiment_score":-0.014477455272124363},{"text":"Do you know what the new figures are?","start":174.855,"end":176.635,"sentiment":"neutral","sentiment_score":-0.019449010491371155}],"sentiment":"neutral","sentiment_score":-0.01564723297077067,"channel":0,"num_words":34,"start":166.775,"end":176.635},{"sentences":[{"text":"Look.","start":176.61,"end":176.93,"sentiment":"neutral","sentiment_score":-0.1033291220664978},{"text":"It's going way down since then.","start":176.93,"end":178.37,"sentiment":"negative","sentiment_score":-0.3571009039878845},{"text":"We sold it for about $4.30, I think it was in the end.","start":178.37,"end":182.23,"sentiment":"neutral","sentiment_score":-0.23640441321409666},{"text":"Sorry.","start":182.61,"end":183.11,"sentiment":"neutral","sentiment_score":-0.17186236381530762},{"text":"Hang on.","start":183.65,"end":184.39,"sentiment":"neutral","sentiment_score":-0.12471526116132736}],"sentiment":"neutral","sentiment_score":-0.24958629582239233,"channel":1,"num_words":23,"start":176.61,"end":184.39},{"sentences":[{"text":"Yeah.","start":185.17,"end":185.41,"sentiment":"neutral","sentiment_score":-0.08439147472381592},{"text":"It was no $5.30","start":185.41,"end":188.045,"sentiment":"neutral","sentiment_score":-0.12140420265495777}],"sentiment":"neutral","sentiment_score":-0.1140016570687294,"channel":1,"num_words":5,"start":185.17,"end":188.045},{"sentences":[{"text":"Yep.","start":187.59,"end":188.09,"sentiment":"neutral","sentiment_score":-0.08992182463407516}],"sentiment":"neutral","sentiment_score":-0.08992182463407516,"channel":0,"num_words":1,"start":187.59,"end":188.09},{"sentences":[{"text":"and then","start":188.045,"end":188.785,"sentiment":"neutral","sentiment_score":-0.09965791180729866}],"sentiment":"neutral","sentiment_score":-0.09965791180729866,"channel":1,"num_words":2,"start":188.045,"end":188.785},{"sentences":[{"text":"$5.30.","start":188.39,"end":189.20999,"sentiment":"neutral","sentiment_score":-0.1178942173719406}],"sentiment":"neutral","sentiment_score":-0.1178942173719406,"channel":0,"num_words":1,"start":188.39,"end":189.20999},{"sentences":[{"text":"we owed we still owed sort of 400 on it.","start":188.845,"end":191.965,"sentiment":"neutral","sentiment_score":-0.2448969230055809},{"text":"So they might I'd I'm I'm sort of I think we gotta probably end up with 40 each at the end of the day.","start":191.965,"end":199.485,"sentiment":"neutral","sentiment_score":-0.15472936940689883}],"sentiment":"neutral","sentiment_score":-0.18124923811239355,"channel":1,"num_words":34,"start":188.845,"end":199.485},{"sentences":[{"text":"Yep.","start":199.44499,"end":199.94499,"sentiment":"neutral","sentiment_score":0.002195116598159075}],"sentiment":"neutral","sentiment_score":0.002195116598159075,"channel":0,"num_words":1,"start":199.44499,"end":199.94499},{"sentences":[{"text":"So, yeah, so it's not a great great result, but it is what it is.","start":199.485,"end":204.96,"sentiment":"neutral","sentiment_score":-0.11164901554584503},{"text":"But","start":204.96,"end":205.46,"sentiment":"neutral","sentiment_score":-0.037185586988925934}],"sentiment":"neutral","sentiment_score":-0.10699505126103759,"channel":1,"num_words":16,"start":199.485,"end":205.46},{"sentences":[{"text":"Yeah.","start":205.37999,"end":205.87999,"sentiment":"neutral","sentiment_score":-0.023836541920900345}],"sentiment":"neutral","sentiment_score":-0.023836541920900345,"channel":0,"num_words":1,"start":205.37999,"end":205.87999},{"sentences":[{"text":"and then what I've got in super, and then we still have to sort of get on the track.","start":206.32,"end":212.24,"sentiment":"neutral","sentiment_score":-0.01413243214942907},{"text":"I think some of my wife's suit might go to me.","start":212.24,"end":214.985,"sentiment":"neutral","sentiment_score":-0.12797994166612625},{"text":"I'm not sure.","start":214.985,"end":215.705,"sentiment":"neutral","sentiment_score":-0.12842955688635507},{"text":"But, yeah, might might be another maybe 80 to 100 coming off that.","start":215.705,"end":221.545,"sentiment":"neutral","sentiment_score":-0.10465416140281238},{"text":"But it won't be for a while.","start":221.545,"end":222.745,"sentiment":"neutral","sentiment_score":-0.16379159901823317}],"sentiment":"neutral","sentiment_score":-0.08620055719226036,"channel":1,"num_words":53,"start":206.32,"end":222.745},{"sentences":[{"text":"It might be for months.","start":222.745,"end":223.885,"sentiment":"neutral","sentiment_score":-0.10697237402200699}],"sentiment":"neutral","sentiment_score":-0.10697237402200699,"channel":1,"num_words":5,"start":222.745,"end":223.885},{"sentences":[{"text":"Yep.","start":223.635,"end":224.135,"sentiment":"neutral","sentiment_score":0.017290860414505005},{"text":"Yeah.","start":224.275,"end":224.67499,"sentiment":"neutral","sentiment_score":0.022336594760417935},{"text":"Okay.","start":224.67499,"end":225.155,"sentiment":"neutral","sentiment_score":0.02362210676074028},{"text":"So you think it might actually come into your account?","start":225.155,"end":227.415,"sentiment":"neutral","sentiment_score":0.011402054317295551}],"sentiment":"neutral","sentiment_score":0.01363616193143221,"channel":0,"num_words":13,"start":223.635,"end":227.415},{"sentences":[{"text":"Yeah.","start":227.81,"end":228.20999,"sentiment":"neutral","sentiment_score":0.009468713775277138},{"text":"I think so.","start":228.20999,"end":229.01,"sentiment":"neutral","sentiment_score":0.0029108934104442596},{"text":"It's got well, I think we gotta be a while off that because it's still gotta get a a group mediation, which might be in a few months.","start":229.01,"end":235.65,"sentiment":"neutral","sentiment_score":-0.05066104984975287},{"text":"I'm not sure at the moment.","start":235.65,"end":237.03,"sentiment":"neutral","sentiment_score":-0.10300877566138904}],"sentiment":"neutral","sentiment_score":-0.05311475409881065,"channel":1,"num_words":38,"start":227.81,"end":237.03},{"sentences":[{"text":"Yep.","start":237.17,"end":237.57,"sentiment":"neutral","sentiment_score":0.03217163681983948},{"text":"No worries.","start":237.57,"end":238.13,"sentiment":"neutral","sentiment_score":0.04140655882656574},{"text":"So as far as other assets go, so the property is gonna clear maybe $40,000 each.","start":238.13,"end":242.805,"sentiment":"neutral","sentiment_score":0.02174657373689115},{"text":"We did have two vehicles listed.","start":242.965,"end":245.44499,"sentiment":"neutral","sentiment_score":0.030665301717817783},{"text":"One was for the partner.","start":245.44499,"end":247.045,"sentiment":"neutral","sentiment_score":0.01592061948031187}],"sentiment":"neutral","sentiment_score":0.024217494732389846,"channel":0,"num_words":30,"start":237.17,"end":247.045},{"sentences":[{"text":"One was a u for yourself that you still had a bit of debt on.","start":247.045,"end":249.94499,"sentiment":"neutral","sentiment_score":-0.01985224721332391}],"sentiment":"neutral","sentiment_score":-0.01985224721332391,"channel":0,"num_words":15,"start":247.045,"end":249.94499},{"sentences":[{"text":"Yeah.","start":250.115,"end":250.615,"sentiment":"neutral","sentiment_score":0.022196326404809952}],"sentiment":"neutral","sentiment_score":0.022196326404809952,"channel":1,"num_words":1,"start":250.115,"end":250.615},{"sentences":[{"text":"And then we had some shares and tools was the main assets.","start":251.28499,"end":254.265,"sentiment":"neutral","sentiment_score":0.010829779241854945}],"sentiment":"neutral","sentiment_score":0.010829779241854945,"channel":0,"num_words":12,"start":251.28499,"end":254.265},{"sentences":[{"text":"Yeah.","start":254.56,"end":254.88,"sentiment":"neutral","sentiment_score":0.039395999163389206},{"text":"I've got shares probably 55 now.","start":254.88,"end":257.3,"sentiment":"neutral","sentiment_score":0.025035607318083446},{"text":"Savings wise and all that, I suppose it's, you know, about","start":259.52,"end":262.64,"sentiment":"neutral","sentiment_score":0.03330812383104454}],"sentiment":"neutral","sentiment_score":0.030888833622965548,"channel":1,"num_words":18,"start":254.56,"end":262.64},{"sentences":[{"text":"Yep.","start":262.34,"end":262.84,"sentiment":"neutral","sentiment_score":0.017322637140750885}],"sentiment":"neutral","sentiment_score":0.017322637140750885,"channel":0,"num_words":1,"start":262.34,"end":262.84},{"sentences":[{"text":"50.","start":262.64,"end":263.14,"sentiment":"neutral","sentiment_score":0.03510773181915283},{"text":"So yeah.","start":264.56,"end":265.62,"sentiment":"neutral","sentiment_score":0.1439274623990059}],"sentiment":"neutral","sentiment_score":0.1076542188723882,"channel":1,"num_words":3,"start":262.64,"end":265.62},{"sentences":[{"text":"Perfect.","start":266.74002,"end":267.24002,"sentiment":"positive","sentiment_score":0.4151358306407929},{"text":"Alrighty.","start":267.595,"end":267.915,"sentiment":"positive","sentiment_score":0.3893803358078003},{"text":"So that's amazing.","start":267.915,"end":268.875,"sentiment":"positive","sentiment_score":0.546679159005483},{"text":"I'm just having a look.","start":268.875,"end":269.915,"sentiment":"neutral","sentiment_score":0.23841701745986937},{"text":"We've updated your address already.","start":269.915,"end":271.855,"sentiment":"neutral","sentiment_score":0.14625248014926912}],"sentiment":"neutral","sentiment_score":0.2911934087673823,"channel":0,"num_words":15,"start":266.74002,"end":271.855},{"sentences":[{"text":"So let me just triple check that I've got all of that.","start":272.235,"end":275.535,"sentiment":"neutral","sentiment_score":0.12494316572944324},{"text":"1 Slash 17 Surrey Street in Box Hill.","start":276.635,"end":279.375,"sentiment":"neutral","sentiment_score":0.024853590177372098}],"sentiment":"neutral","sentiment_score":0.08490733550861478,"channel":0,"num_words":20,"start":272.235,"end":279.375},{"sentences":[{"text":"Mhmm.","start":279.485,"end":279.965,"sentiment":"neutral","sentiment_score":0.021411892026662827},{"text":"Should be 1 Slash 17.","start":279.965,"end":281.66498,"sentiment":"neutral","sentiment_score":0.01962579134851694}],"sentiment":"neutral","sentiment_score":0.01992347479487459,"channel":1,"num_words":6,"start":279.485,"end":281.66498},{"sentences":[{"text":"Yep.","start":282.17,"end":282.49002,"sentiment":"neutral","sentiment_score":0.01275460422039032},{"text":"1 Slash 17.","start":282.49002,"end":283.45,"sentiment":"neutral","sentiment_score":0.005667302602281173},{"text":"Sorry.","start":283.45,"end":283.95,"sentiment":"neutral","sentiment_score":-0.003979237750172615},{"text":"And that's","start":284.25,"end":284.73,"sentiment":"neutral","sentiment_score":0.0063197980634868145}],"sentiment":"neutral","sentiment_score":0.00548812434343355,"channel":0,"num_words":7,"start":282.17,"end":284.73},{"sentences":[{"text":"Yeah.","start":284.5,"end":285.0,"sentiment":"neutral","sentiment_score":0.010461967438459396}],"sentiment":"neutral","sentiment_score":0.010461967438459396,"channel":1,"num_words":1,"start":284.5,"end":285.0},{"sentences":[{"text":"in 3128.","start":284.73,"end":286.35,"sentiment":"neutral","sentiment_score":0.014362781774252651}],"sentiment":"neutral","sentiment_score":0.014362781774252651,"channel":0,"num_words":2,"start":284.73,"end":286.35},{"sentences":[{"text":"Yep.","start":286.98,"end":287.48,"sentiment":"neutral","sentiment_score":0.0552472248673439}],"sentiment":"neutral","sentiment_score":0.0552472248673439,"channel":1,"num_words":1,"start":286.98,"end":287.48},{"sentences":[{"text":"The email address that we've got on file, let me just quickly double check that one.","start":289.05002,"end":293.71002,"sentiment":"neutral","sentiment_score":0.06792634888552129},{"text":"We've got mSmithGardens@OptusNet.","start":293.965,"end":296.865,"sentiment":"neutral","sentiment_score":0.06563705826799075}],"sentiment":"neutral","sentiment_score":0.0675648819459112,"channel":0,"num_words":19,"start":289.05002,"end":296.865},{"sentences":[{"text":"Yeah.","start":297.345,"end":297.665,"sentiment":"neutral","sentiment_score":0.12007805705070496},{"text":"That's fine.","start":297.665,"end":298.48502,"sentiment":"neutral","sentiment_score":0.1595509871840477}],"sentiment":"neutral","sentiment_score":0.14639334380626678,"channel":1,"num_words":3,"start":297.345,"end":298.48502},{"sentences":[{"text":"Yep.","start":298.845,"end":299.32498,"sentiment":"neutral","sentiment_score":0.10035917162895204},{"text":"Alright.","start":299.32498,"end":299.82498,"sentiment":"neutral","sentiment_score":0.10810153931379318},{"text":"Gardens OptusNet.","start":300.925,"end":302.465,"sentiment":"neutral","sentiment_score":0.08723965287208557},{"text":"Alrighty.","start":303.965,"end":304.445,"sentiment":"neutral","sentiment_score":0.13292907178401947},{"text":"And in terms of last two sort of bit more personal update questions for you, just in terms","start":304.445,"end":309.7,"sentiment":"neutral","sentiment_score":0.0767451257755359}],"sentiment":"neutral","sentiment_score":0.08249049358393835,"channel":0,"num_words":23,"start":298.845,"end":309.7},{"sentences":[{"text":"Yep.","start":309.49,"end":309.99,"sentiment":"neutral","sentiment_score":0.043288394808769226}],"sentiment":"neutral","sentiment_score":0.043288394808769226,"channel":1,"num_words":1,"start":309.49,"end":309.99},{"sentences":[{"text":"of occupation and income, landscape","start":309.7,"end":312.12,"sentiment":"neutral","sentiment_score":0.04413163438439369}],"sentiment":"neutral","sentiment_score":0.04413163438439369,"channel":0,"num_words":5,"start":309.7,"end":312.12},{"sentences":[{"text":"Yep.","start":311.88998,"end":312.38998,"sentiment":"neutral","sentiment_score":0.041511766612529755}],"sentiment":"neutral","sentiment_score":0.041511766612529755,"channel":1,"num_words":1,"start":311.88998,"end":312.38998},{"sentences":[{"text":"gardener on about a 100,000.","start":312.26,"end":313.88,"sentiment":"neutral","sentiment_score":0.048736725747585294}],"sentiment":"neutral","sentiment_score":0.048736725747585294,"channel":0,"num_words":5,"start":312.26,"end":313.88},{"sentences":[{"text":"Yeah.","start":314.37,"end":314.77,"sentiment":"neutral","sentiment_score":0.04159780219197273},{"text":"It's probably a bit more than that, but yeah.","start":314.77,"end":317.09,"sentiment":"neutral","sentiment_score":0.007840309085117446},{"text":"Pretty much.","start":317.09,"end":317.81,"sentiment":"positive","sentiment_score":0.36066386103630066}],"sentiment":"neutral","sentiment_score":0.06945735883588593,"channel":1,"num_words":12,"start":314.37,"end":317.81},{"sentences":[{"text":"Yep.","start":317.46,"end":317.96,"sentiment":"neutral","sentiment_score":0.2708614766597748}],"sentiment":"neutral","sentiment_score":0.2708614766597748,"channel":0,"num_words":1,"start":317.46,"end":317.96},{"sentences":[{"text":"$100,100","start":317.81,"end":318.68997,"sentiment":"neutral","sentiment_score":0.18366539478302}],"sentiment":"neutral","sentiment_score":0.18366539478302,"channel":1,"num_words":1,"start":317.81,"end":318.68997},{"sentences":[{"text":"And we did","start":318.26,"end":318.9,"sentiment":"neutral","sentiment_score":0.19314488768577576}],"sentiment":"neutral","sentiment_score":0.19314488768577576,"channel":0,"num_words":3,"start":318.26,"end":318.9},{"sentences":[{"text":"20.","start":318.68997,"end":319.18997,"sentiment":"neutral","sentiment_score":0.1614982783794403}],"sentiment":"neutral","sentiment_score":0.1614982783794403,"channel":1,"num_words":1,"start":318.68997,"end":319.18997},{"sentences":[{"text":"have two children listed.","start":318.9,"end":321.06,"sentiment":"neutral","sentiment_score":0.10587114840745926},{"text":"One was 17 and 13 at the time, which was about a year ago nine months","start":321.06,"end":326.015,"sentiment":"neutral","sentiment_score":0.07501482870429754}],"sentiment":"neutral","sentiment_score":0.08118609264492989,"channel":0,"num_words":20,"start":318.9,"end":326.015},{"sentences":[{"text":"Yeah.","start":325.805,"end":326.125,"sentiment":"neutral","sentiment_score":0.07608485221862793}],"sentiment":"neutral","sentiment_score":0.07608485221862793,"channel":1,"num_words":1,"start":325.805,"end":326.125},{"sentences":[{"text":"ago.","start":326.015,"end":326.515,"sentiment":"neutral","sentiment_score":0.06810235977172852}],"sentiment":"neutral","sentiment_score":0.06810235977172852,"channel":0,"num_words":1,"start":326.015,"end":326.515},{"sentences":[{"text":"Well, I've seen now on 15.","start":326.125,"end":328.385,"sentiment":"neutral","sentiment_score":0.126142255961895}],"sentiment":"neutral","sentiment_score":0.126142255961895,"channel":1,"num_words":6,"start":326.125,"end":328.385},{"sentences":[{"text":"Eighteen and fifteen.","start":329.295,"end":330.675,"sentiment":"neutral","sentiment_score":0.12254880865414937},{"text":"One thing I wanted to do, I'm gonna jump into the super now, but just in terms of I know it's early, but goals wise.","start":331.775,"end":338.40002,"sentiment":"neutral","sentiment_score":0.18931736528873444},{"text":"So once everything kind of settles, do you already have a bit of an idea of what the kind of next steps are for you, or do you wanna kind of revisit that later?","start":338.46002,"end":346.64,"sentiment":"neutral","sentiment_score":0.1304309084354078}],"sentiment":"neutral","sentiment_score":0.15379405556426895,"channel":0,"num_words":62,"start":329.295,"end":346.64},{"sentences":[{"text":"Well, no.","start":346.96002,"end":347.76,"sentiment":"neutral","sentiment_score":0.003063233569264412},{"text":"Like, that is definitely what I wanna sort of consider because, I mean, ideally, by 60 half 1,000,000 in super.","start":347.76,"end":357.245,"sentiment":"neutral","sentiment_score":0.02741389153525233}],"sentiment":"neutral","sentiment_score":0.025200195356526157,"channel":1,"num_words":22,"start":346.96002,"end":357.245},{"sentences":[{"text":"Yeah.","start":357.755,"end":358.255,"sentiment":"neutral","sentiment_score":0.10797198116779327}],"sentiment":"neutral","sentiment_score":0.10797198116779327,"channel":0,"num_words":1,"start":357.755,"end":358.255},{"sentences":[{"text":"And I'm looking at doing, you know, the maximum of 30,000 a year as it, you know, sort of as it is up until that point.","start":358.745,"end":368.07,"sentiment":"neutral","sentiment_score":0.09687520620914605},{"text":"So that's","start":368.07,"end":370.47,"sentiment":"neutral","sentiment_score":0.08794628456234932}],"sentiment":"neutral","sentiment_score":0.09623742609151772,"channel":1,"num_words":28,"start":358.745,"end":370.47},{"sentences":[{"text":"Yeah.","start":370.33002,"end":370.83002,"sentiment":"neutral","sentiment_score":0.11710403859615326}],"sentiment":"neutral","sentiment_score":0.11710403859615326,"channel":0,"num_words":1,"start":370.33002,"end":370.83002},{"sentences":[{"text":"the goal for me, but whether or not I can reach that in that time.","start":370.47,"end":373.67,"sentiment":"neutral","sentiment_score":0.04854008803764979},{"text":"It's another issue, but might take over a bit more.","start":373.67,"end":376.97,"sentiment":"neutral","sentiment_score":-0.32746762186288836}],"sentiment":"neutral","sentiment_score":-0.10186299592256547,"channel":1,"num_words":25,"start":370.47,"end":376.97},{"sentences":[{"text":"Yeah.","start":377.38498,"end":377.54498,"sentiment":"neutral","sentiment_score":0.007067408412694931},{"text":"Anything property wise that you wanna kind of get another one with all the cash and","start":377.54498,"end":381.305,"sentiment":"neutral","sentiment_score":0.02841248386539519}],"sentiment":"neutral","sentiment_score":0.027156891191706937,"channel":0,"num_words":17,"start":377.38498,"end":381.305},{"sentences":[{"text":"Well,","start":381.285,"end":381.525,"sentiment":"neutral","sentiment_score":0.011279430240392683}],"sentiment":"neutral","sentiment_score":0.011279430240392683,"channel":1,"num_words":1,"start":381.285,"end":381.525},{"sentences":[{"text":"assets?","start":381.305,"end":381.805,"sentiment":"neutral","sentiment_score":0.02144867740571499}],"sentiment":"neutral","sentiment_score":0.02144867740571499,"channel":0,"num_words":1,"start":381.305,"end":381.805},{"sentences":[{"text":"yeah, I'm thinking of so I've gotta make my account next week or, yeah, next week and go through.","start":381.525,"end":388.325,"sentiment":"neutral","sentiment_score":0.04132962638610288}],"sentiment":"neutral","sentiment_score":0.04132962638610288,"channel":1,"num_words":19,"start":381.525,"end":388.325},{"sentences":[{"text":"Yep.","start":388.2,"end":388.7,"sentiment":"neutral","sentiment_score":0.10045933723449708}],"sentiment":"neutral","sentiment_score":0.10045933723449708,"channel":0,"num_words":1,"start":388.2,"end":388.7},{"sentences":[{"text":"I'm thinking of a two bedroom apartment, you know, so not for probably a year or so.","start":388.325,"end":395.06,"sentiment":"neutral","sentiment_score":0.08269178253762863},{"text":"I've just signed a lease at the moment.","start":395.92,"end":397.52,"sentiment":"neutral","sentiment_score":0.14041044656187296},{"text":"So, yeah, looking to buy maybe, yeah, maybe in a year.","start":397.52,"end":402.66,"sentiment":"neutral","sentiment_score":0.13539240170608868}],"sentiment":"neutral","sentiment_score":0.1116211192889346,"channel":1,"num_words":36,"start":388.325,"end":402.66},{"sentences":[{"text":"Okay.","start":404.29498,"end":404.775,"sentiment":"neutral","sentiment_score":0.08946551382541656},{"text":"So that kinda swings me over to the superannuation portion of the insurances.","start":404.775,"end":410.235,"sentiment":"neutral","sentiment_score":0.08072383558520904},{"text":"So what I'm gonna kinda do do you have any of your original certificates or current insurances open in front of you?","start":410.9,"end":417.56,"sentiment":"neutral","sentiment_score":0.05945452023297548}],"sentiment":"neutral","sentiment_score":0.0679687450432943,"channel":0,"num_words":36,"start":404.29498,"end":417.56},{"sentences":[{"text":"No.","start":418.06998,"end":418.38998,"sentiment":"neutral","sentiment_score":-0.10799790918827055},{"text":"I don't.","start":418.38998,"end":419.12997,"sentiment":"neutral","sentiment_score":-0.09762931242585182},{"text":"But I do yeah.","start":419.19,"end":421.19,"sentiment":"neutral","sentiment_score":-0.05791216529905796},{"text":"Look.","start":421.19,"end":421.43,"sentiment":"neutral","sentiment_score":-0.09254077076911926},{"text":"I can't, off the top of my head, recall exactly what what we've got.","start":421.43,"end":425.34998,"sentiment":"neutral","sentiment_score":-0.13128740979092463}],"sentiment":"neutral","sentiment_score":-0.1120668046853759,"channel":1,"num_words":22,"start":418.06998,"end":425.34998},{"sentences":[{"text":"But I know we had income protection.","start":425.34998,"end":428.97,"sentiment":"neutral","sentiment_score":-0.09108069326196398},{"text":"We had life, and we also had the MetLife outside of that as well going","start":429.34998,"end":435.76498,"sentiment":"neutral","sentiment_score":-0.0857982061803341}],"sentiment":"neutral","sentiment_score":-0.08747899752448905,"channel":1,"num_words":22,"start":425.34998,"end":435.76498},{"sentences":[{"text":"The","start":435.65,"end":435.89,"sentiment":"neutral","sentiment_score":-0.11734477430582048}],"sentiment":"neutral","sentiment_score":-0.11734477430582048,"channel":0,"num_words":1,"start":435.65,"end":435.89},{"sentences":[{"text":"out","start":435.76498,"end":435.925,"sentiment":"neutral","sentiment_score":-0.14571669697761536}],"sentiment":"neutral","sentiment_score":-0.14571669697761536,"channel":1,"num_words":1,"start":435.76498,"end":435.925},{"sentences":[{"text":"trauma.","start":435.89,"end":436.39,"sentiment":"neutral","sentiment_score":-0.13003145158290863}],"sentiment":"neutral","sentiment_score":-0.13003145158290863,"channel":0,"num_words":1,"start":435.89,"end":436.39},{"sentences":[{"text":"once a month.","start":435.925,"end":436.725,"sentiment":"neutral","sentiment_score":-0.06293108314275742}],"sentiment":"neutral","sentiment_score":-0.06293108314275742,"channel":1,"num_words":3,"start":435.925,"end":436.725},{"sentences":[{"text":"Yeah.","start":436.53,"end":437.03,"sentiment":"neutral","sentiment_score":0.03757671266794205}],"sentiment":"neutral","sentiment_score":0.03757671266794205,"channel":0,"num_words":1,"start":436.53,"end":437.03},{"sentences":[{"text":"Yeah.","start":436.725,"end":437.225,"sentiment":"neutral","sentiment_score":0.10076001286506651}],"sentiment":"neutral","sentiment_score":0.10076001286506651,"channel":1,"num_words":1,"start":436.725,"end":437.225},{"sentences":[{"text":"Absolutely.","start":437.25,"end":437.75,"sentiment":"neutral","sentiment_score":0.223651260137558},{"text":"I've got it all open in front of me.","start":439.09,"end":441.19,"sentiment":"neutral","sentiment_score":0.2144435313012865},{"text":"So","start":441.25,"end":441.65,"sentiment":"neutral","sentiment_score":0.0995519608259201}],"sentiment":"neutral","sentiment_score":0.20483590933409604,"channel":0,"num_words":11,"start":437.25,"end":441.65},{"sentences":[{"text":"Yep.","start":441.285,"end":441.785,"sentiment":"neutral","sentiment_score":0.06964777410030365}],"sentiment":"neutral","sentiment_score":0.06964777410030365,"channel":1,"num_words":1,"start":441.285,"end":441.785},{"sentences":[{"text":"I'm having a quick look at the the four policies, the way they're split, and everything like that.","start":441.65,"end":446.87,"sentiment":"neutral","sentiment_score":0.017481371036006346},{"text":"Let's just have a quick look.","start":449.145,"end":451.645,"sentiment":"neutral","sentiment_score":0.027985249646008015},{"text":"So income protections there, five","start":451.705,"end":454.985,"sentiment":"neutral","sentiment_score":0.04050523191690445}],"sentiment":"neutral","sentiment_score":0.023624218486506362,"channel":0,"num_words":29,"start":441.65,"end":454.985},{"sentences":[{"text":"Yep.","start":454.94,"end":455.44,"sentiment":"neutral","sentiment_score":0.028654631227254868}],"sentiment":"neutral","sentiment_score":0.028654631227254868,"channel":1,"num_words":1,"start":454.94,"end":455.44},{"sentences":[{"text":"thousand 966 per month worth of cover.","start":454.985,"end":458.26498,"sentiment":"neutral","sentiment_score":0.02875154305781637},{"text":"That's, like, the","start":458.26498,"end":458.825,"sentiment":"neutral","sentiment_score":0.08920139943559964}],"sentiment":"neutral","sentiment_score":0.04688649997115135,"channel":0,"num_words":10,"start":454.985,"end":458.825},{"sentences":[{"text":"Yep.","start":458.7,"end":459.2,"sentiment":"neutral","sentiment_score":0.05720367282629013}],"sentiment":"neutral","sentiment_score":0.05720367282629013,"channel":1,"num_words":1,"start":458.7,"end":459.2},{"sentences":[{"text":"payment that would","start":458.825,"end":459.54498,"sentiment":"neutral","sentiment_score":0.07659061253070831}],"sentiment":"neutral","sentiment_score":0.07659061253070831,"channel":0,"num_words":3,"start":458.825,"end":459.54498},{"sentences":[{"text":"Yep.","start":459.405,"end":459.905,"sentiment":"neutral","sentiment_score":0.07154174894094467}],"sentiment":"neutral","sentiment_score":0.07154174894094467,"channel":1,"num_words":1,"start":459.405,"end":459.905},{"sentences":[{"text":"come out to you.","start":459.54498,"end":460.47,"sentiment":"neutral","sentiment_score":0.08278726413846016},{"text":"Thirty day waiting period, five year benefit.","start":460.55,"end":462.87,"sentiment":"neutral","sentiment_score":0.12123218178749084},{"text":"That's pretty perfect.","start":462.87,"end":463.75,"sentiment":"positive","sentiment_score":0.6244883139928182},{"text":"It's like you're out of work for a month, kicks in monthly up to five years for each injury","start":463.75,"end":468.47,"sentiment":"neutral","sentiment_score":-0.09016213703312372}],"sentiment":"neutral","sentiment_score":0.040610868709556984,"channel":0,"num_words":33,"start":459.54498,"end":468.47},{"sentences":[{"text":"Yep.","start":468.205,"end":468.705,"sentiment":"neutral","sentiment_score":-0.08406122773885727}],"sentiment":"neutral","sentiment_score":-0.08406122773885727,"channel":1,"num_words":1,"start":468.205,"end":468.705},{"sentences":[{"text":"and illness, if that makes sense.","start":468.47,"end":470.09,"sentiment":"neutral","sentiment_score":-0.02971459925174713}],"sentiment":"neutral","sentiment_score":-0.02971459925174713,"channel":0,"num_words":6,"start":468.47,"end":470.09},{"sentences":[{"text":"Yep.","start":470.285,"end":470.785,"sentiment":"neutral","sentiment_score":0.08565228432416916}],"sentiment":"neutral","sentiment_score":0.08565228432416916,"channel":1,"num_words":1,"start":470.285,"end":470.785},{"sentences":[{"text":"I'm just double checking your inception date.","start":471.03,"end":473.03,"sentiment":"neutral","sentiment_score":0.0905809413109507},{"text":"So that covers 70% of income, which is covering an income of about a $102,100 and 203,000 is being protected at the moment.","start":473.03,"end":482.045,"sentiment":"neutral","sentiment_score":0.10160495146461156},{"text":"So if that's okay for you,","start":483.625,"end":485.565,"sentiment":"neutral","sentiment_score":0.24462732672691345}],"sentiment":"neutral","sentiment_score":0.12329845647845003,"channel":0,"num_words":36,"start":471.03,"end":485.565},{"sentences":[{"text":"Yep.","start":485.76,"end":486.08,"sentiment":"neutral","sentiment_score":0.20755138993263245},{"text":"Yeah.","start":486.08,"end":486.28,"sentiment":"neutral","sentiment_score":0.04853817820549011},{"text":"I","start":486.28,"end":486.48,"sentiment":"neutral","sentiment_score":-0.004295907914638519}],"sentiment":"neutral","sentiment_score":0.08393122007449468,"channel":1,"num_words":3,"start":485.76,"end":486.48},{"sentences":[{"text":"just","start":486.345,"end":486.505,"sentiment":"neutral","sentiment_score":0.0037560313940048218}],"sentiment":"neutral","sentiment_score":0.0037560313940048218,"channel":0,"num_words":1,"start":486.345,"end":486.505},{"sentences":[{"text":"mean,","start":486.48,"end":486.72,"sentiment":"neutral","sentiment_score":-0.009300120174884796}],"sentiment":"neutral","sentiment_score":-0.009300120174884796,"channel":1,"num_words":1,"start":486.48,"end":486.72},{"sentences":[{"text":"bear","start":486.505,"end":486.745,"sentiment":"neutral","sentiment_score":-0.01701626181602478}],"sentiment":"neutral","sentiment_score":-0.01701626181602478,"channel":0,"num_words":1,"start":486.505,"end":486.745},{"sentences":[{"text":"it's","start":486.72,"end":487.04,"sentiment":"neutral","sentiment_score":-0.05076884478330612}],"sentiment":"neutral","sentiment_score":-0.05076884478330612,"channel":1,"num_words":1,"start":486.72,"end":487.04},{"sentences":[{"text":"in mind,","start":486.745,"end":487.145,"sentiment":"neutral","sentiment_score":-0.05912187322974205}],"sentiment":"neutral","sentiment_score":-0.05912187322974205,"channel":0,"num_words":2,"start":486.745,"end":487.145},{"sentences":[{"text":"tight.","start":487.04,"end":487.54,"sentiment":"neutral","sentiment_score":-0.059483177959918976}],"sentiment":"neutral","sentiment_score":-0.059483177959918976,"channel":1,"num_words":1,"start":487.04,"end":487.54},{"sentences":[{"text":"like","start":487.145,"end":487.465,"sentiment":"neutral","sentiment_score":-0.043014951050281525}],"sentiment":"neutral","sentiment_score":-0.043014951050281525,"channel":0,"num_words":1,"start":487.145,"end":487.465},{"sentences":[{"text":"But, yeah, I mean, it's tight, but, I mean, that would be, yeah, the bare minimum, I suppose.","start":488.08,"end":493.915,"sentiment":"neutral","sentiment_score":-0.03458125206331412}],"sentiment":"neutral","sentiment_score":-0.03458125206331412,"channel":1,"num_words":18,"start":488.08,"end":493.915},{"sentences":[{"text":"yeah, yeah, it's mainly like an expense covering exercise there.","start":494.19998,"end":497.63998,"sentiment":"neutral","sentiment_score":-0.0094487264752388},{"text":"And what tends to happen is, like, let's say I've recorded you as a 100,000 income, let's say, and you go","start":497.63998,"end":503.42502,"sentiment":"neutral","sentiment_score":0.014569220421392293}],"sentiment":"neutral","sentiment_score":0.006821495616027425,"channel":0,"num_words":31,"start":494.19998,"end":503.42502},{"sentences":[{"text":"Yep.","start":503.29,"end":503.79,"sentiment":"neutral","sentiment_score":0.008944007568061352}],"sentiment":"neutral","sentiment_score":0.008944007568061352,"channel":1,"num_words":1,"start":503.29,"end":503.79},{"sentences":[{"text":"and claim.","start":503.42502,"end":504.245,"sentiment":"neutral","sentiment_score":0.01661666017025709},{"text":"You give them your twelve months financials.","start":504.305,"end":506.085,"sentiment":"neutral","sentiment_score":0.019058690007243837},{"text":"If they say you're protected for a 102,000, but you own a 100, they'll give you 70% on the 100,000 that you've actually got on paper.","start":506.305,"end":515.125,"sentiment":"neutral","sentiment_score":0.029230097881876506},{"text":"So just","start":515.24,"end":515.63995,"sentiment":"neutral","sentiment_score":0.02941911295056343}],"sentiment":"neutral","sentiment_score":0.02663418706003073,"channel":0,"num_words":37,"start":503.42502,"end":515.63995},{"sentences":[{"text":"Right.","start":515.60504,"end":516.10504,"sentiment":"neutral","sentiment_score":0.018086161464452744}],"sentiment":"neutral","sentiment_score":0.018086161464452744,"channel":1,"num_words":1,"start":515.60504,"end":516.10504},{"sentences":[{"text":"bear in mind that it's very close, but it'll be based on the actual income at the time.","start":515.63995,"end":521.33997,"sentiment":"neutral","sentiment_score":-0.019272502718700305}],"sentiment":"neutral","sentiment_score":-0.019272502718700305,"channel":0,"num_words":18,"start":515.63995,"end":521.33997},{"sentences":[{"text":"Yep.","start":521.445,"end":521.945,"sentiment":"neutral","sentiment_score":0.03256624564528465},{"text":"Yep.","start":522.325,"end":522.825,"sentiment":"neutral","sentiment_score":0.025669975206255913}],"sentiment":"neutral","sentiment_score":0.029118110425770283,"channel":1,"num_words":2,"start":521.445,"end":522.825},{"sentences":[{"text":"Life and DPD insurance, so that's your total disability where it's like if you pass away, here's a lump sum.","start":523.24,"end":528.885,"sentiment":"neutral","sentiment_score":-0.005210266821086407},{"text":"If you can never work again, here's a lump sum.","start":528.945,"end":531.685,"sentiment":"neutral","sentiment_score":-0.018557211384177208}],"sentiment":"neutral","sentiment_score":-0.009659248342116674,"channel":0,"num_words":30,"start":523.24,"end":531.685},{"sentences":[{"text":"Yep.","start":531.98,"end":532.48,"sentiment":"neutral","sentiment_score":0.11697480082511902}],"sentiment":"neutral","sentiment_score":0.11697480082511902,"channel":1,"num_words":1,"start":531.98,"end":532.48},{"sentences":[{"text":"You have 787,500 of those.","start":532.065,"end":535.685,"sentiment":"neutral","sentiment_score":0.13840376883745192},{"text":"And combined, they're a little bit under $2 in premiums.","start":535.985,"end":539.765,"sentiment":"neutral","sentiment_score":0.11358209177851677}],"sentiment":"neutral","sentiment_score":0.12185598413149516,"channel":0,"num_words":15,"start":532.065,"end":539.765},{"sentences":[{"text":"Yep.","start":539.66,"end":540.16,"sentiment":"neutral","sentiment_score":0.1066734418272972}],"sentiment":"neutral","sentiment_score":0.1066734418272972,"channel":1,"num_words":1,"start":539.66,"end":540.16},{"sentences":[{"text":"So I wanna kind","start":540.065,"end":540.785,"sentiment":"neutral","sentiment_score":0.09147275425493717}],"sentiment":"neutral","sentiment_score":0.09147275425493717,"channel":0,"num_words":4,"start":540.065,"end":540.785},{"sentences":[{"text":"Yeah.","start":540.7,"end":541.2,"sentiment":"neutral","sentiment_score":0.14325378835201263}],"sentiment":"neutral","sentiment_score":0.14325378835201263,"channel":1,"num_words":1,"start":540.7,"end":541.2},{"sentences":[{"text":"of run that by you because if you're gonna purchase that two bedroom apartment, have","start":540.785,"end":546.95,"sentiment":"neutral","sentiment_score":0.1315857619047165}],"sentiment":"neutral","sentiment_score":0.1315857619047165,"channel":0,"num_words":15,"start":540.785,"end":546.95},{"sentences":[{"text":"Yep.","start":546.875,"end":547.375,"sentiment":"neutral","sentiment_score":0.027339687570929527}],"sentiment":"neutral","sentiment_score":0.027339687570929527,"channel":1,"num_words":1,"start":546.875,"end":547.375},{"sentences":[{"text":"you got any idea about how much that would cost?","start":546.95,"end":549.13,"sentiment":"neutral","sentiment_score":0.00663378918543458}],"sentiment":"neutral","sentiment_score":0.00663378918543458,"channel":0,"num_words":10,"start":546.95,"end":549.13},{"sentences":[{"text":"I reckon it's between $4.50 and 500.","start":549.355,"end":551.935,"sentiment":"neutral","sentiment_score":0.012244782942746366}],"sentiment":"neutral","sentiment_score":0.012244782942746366,"channel":1,"num_words":7,"start":549.355,"end":551.935},{"sentences":[{"text":"$4.50 and 500.","start":552.71,"end":554.25,"sentiment":"neutral","sentiment_score":0.00864983924354116},{"text":"So","start":554.39,"end":554.89,"sentiment":"neutral","sentiment_score":0.011059015989303589}],"sentiment":"neutral","sentiment_score":0.009252133429981768,"channel":0,"num_words":4,"start":552.71,"end":554.89},{"sentences":[{"text":"Yeah.","start":554.635,"end":555.135,"sentiment":"neutral","sentiment_score":0.010973579250276089}],"sentiment":"neutral","sentiment_score":0.010973579250276089,"channel":1,"num_words":1,"start":554.635,"end":555.135},{"sentences":[{"text":"what that kind of says is that outside of debt clearance, future liabilities, you look a little bit over insured unless you're wanting that lump sum cover to replace, like, lost income for the family, kids, and so on.","start":555.52496,"end":569.34,"sentiment":"neutral","sentiment_score":-0.05577079316553397}],"sentiment":"neutral","sentiment_score":-0.05577079316553397,"channel":0,"num_words":39,"start":555.52496,"end":569.34},{"sentences":[{"text":"Yeah.","start":569.355,"end":569.855,"sentiment":"neutral","sentiment_score":0.02001488208770752},{"text":"I mean, if it's if there's much of a much in terms of the premium, then I'm happy to keep that going.","start":569.915,"end":575.355,"sentiment":"neutral","sentiment_score":0.02427073678171093},{"text":"But, you know, if there's a big difference and obviously from my insurance, I'd rather sort of bring it down.","start":575.355,"end":580.415,"sentiment":"neutral","sentiment_score":-0.2936472695320845}],"sentiment":"neutral","sentiment_score":-0.12369707672921725,"channel":1,"num_words":43,"start":569.355,"end":580.415},{"sentences":[{"text":"Yeah.","start":580.94,"end":581.26,"sentiment":"neutral","sentiment_score":-0.07405075430870056},{"text":"So if I let's say 787,000 current, 500,000 flat as an example, that chops about a third of it off.","start":581.26,"end":590.545,"sentiment":"neutral","sentiment_score":-0.04767294228076935},{"text":"So you go from, say, 1,900 down to 1,400 kind of thing would","start":590.545,"end":600.21,"sentiment":"neutral","sentiment_score":-0.006544106568281467}],"sentiment":"neutral","sentiment_score":-0.032723028979757256,"channel":0,"num_words":34,"start":580.94,"end":600.21},{"sentences":[{"text":"Per","start":600.145,"end":600.465,"sentiment":"neutral","sentiment_score":-0.002629052847623825}],"sentiment":"neutral","sentiment_score":-0.002629052847623825,"channel":1,"num_words":1,"start":600.145,"end":600.465},{"sentences":[{"text":"be my","start":600.21,"end":600.53,"sentiment":"neutral","sentiment_score":-0.006574063096195459}],"sentiment":"neutral","sentiment_score":-0.006574063096195459,"channel":0,"num_words":2,"start":600.21,"end":600.53},{"sentences":[{"text":"year?","start":600.465,"end":600.965,"sentiment":"neutral","sentiment_score":-0.007705673575401306}],"sentiment":"neutral","sentiment_score":-0.007705673575401306,"channel":1,"num_words":1,"start":600.465,"end":600.965},{"sentences":[{"text":"estimate.","start":600.53,"end":601.03,"sentiment":"neutral","sentiment_score":-0.0023090997710824013}],"sentiment":"neutral","sentiment_score":-0.0023090997710824013,"channel":0,"num_words":1,"start":600.53,"end":601.03},{"sentences":[{"text":"Yeah.","start":601.185,"end":601.585,"sentiment":"neutral","sentiment_score":0.02288009598851204}],"sentiment":"neutral","sentiment_score":0.02288009598851204,"channel":1,"num_words":1,"start":601.185,"end":601.585},{"sentences":[{"text":"Yeah.","start":601.57,"end":602.07,"sentiment":"neutral","sentiment_score":0.03395893797278404}],"sentiment":"neutral","sentiment_score":0.03395893797278404,"channel":0,"num_words":1,"start":601.57,"end":602.07},{"sentences":[{"text":"Okay.","start":601.585,"end":602.085,"sentiment":"neutral","sentiment_score":0.06618410348892212},{"text":"Well, look, that's if you if you do think that's a bit of over insured at the moment, that that makes a definite difference, I think, if we go for that one.","start":602.385,"end":610.965,"sentiment":"neutral","sentiment_score":0.05394887292641215}],"sentiment":"neutral","sentiment_score":0.05431963748891245,"channel":1,"num_words":33,"start":601.585,"end":610.965},{"sentences":[{"text":"Yeah.","start":611.205,"end":611.605,"sentiment":"neutral","sentiment_score":0.13816559314727783},{"text":"Because it's one of those things where what you want it for so step one, okay, get a a mortgage, clears the mortgage, happy days.","start":611.605,"end":619.525,"sentiment":"neutral","sentiment_score":0.2927230989933014},{"text":"You've got your income protection to kick in.","start":619.525,"end":621.605,"sentiment":"positive","sentiment_score":0.4011439010500908},{"text":"That's great.","start":621.605,"end":622.425,"sentiment":"positive","sentiment_score":0.6540074348449707}],"sentiment":"neutral","sentiment_score":0.3325946985019578,"channel":0,"num_words":36,"start":611.205,"end":622.425},{"sentences":[{"text":"Yep.","start":621.97003,"end":622.47003,"sentiment":"neutral","sentiment_score":0.3216860294342041}],"sentiment":"neutral","sentiment_score":0.3216860294342041,"channel":1,"num_words":1,"start":621.97003,"end":622.47003},{"sentences":[{"text":"And then from there, you can insure yourself for millions and come up with all reasons for it.","start":622.55,"end":627.02997,"sentiment":"neutral","sentiment_score":0.27900321284929913},{"text":"You can say,","start":627.02997,"end":627.58997,"sentiment":"neutral","sentiment_score":0.09516388426224391}],"sentiment":"neutral","sentiment_score":0.25274045162257697,"channel":0,"num_words":21,"start":622.55,"end":627.58997},{"sentences":[{"text":"Yep.","start":627.365,"end":627.865,"sentiment":"neutral","sentiment_score":0.08461498469114304}],"sentiment":"neutral","sentiment_score":0.08461498469114304,"channel":1,"num_words":1,"start":627.365,"end":627.865},{"sentences":[{"text":"okay.","start":627.58997,"end":628.08997,"sentiment":"neutral","sentiment_score":0.0907447636127472},{"text":"If I can never work again, I want the mortgage paid off, but then I also want a","start":628.23,"end":631.43,"sentiment":"neutral","sentiment_score":0.03507666062149736}],"sentiment":"neutral","sentiment_score":0.03800656077893157,"channel":0,"num_words":19,"start":627.58997,"end":631.43},{"sentences":[{"text":"Yep.","start":631.405,"end":631.905,"sentiment":"neutral","sentiment_score":0.07695896178483963}],"sentiment":"neutral","sentiment_score":0.07695896178483963,"channel":1,"num_words":1,"start":631.405,"end":631.905},{"sentences":[{"text":"million dollars to live off and invest and renovate the house","start":631.43,"end":635.29,"sentiment":"neutral","sentiment_score":0.12812490558082407}],"sentiment":"neutral","sentiment_score":0.12812490558082407,"channel":0,"num_words":11,"start":631.43,"end":635.29},{"sentences":[{"text":"Yep.","start":635.445,"end":635.945,"sentiment":"neutral","sentiment_score":0.0788334459066391}],"sentiment":"neutral","sentiment_score":0.0788334459066391,"channel":1,"num_words":1,"start":635.445,"end":635.945},{"sentences":[{"text":"and do all this sort of thing, and you can just add so many different things on.","start":635.45496,"end":639.39496,"sentiment":"neutral","sentiment_score":0.12727763985886292}],"sentiment":"neutral","sentiment_score":0.12727763985886292,"channel":0,"num_words":17,"start":635.45496,"end":639.39496},{"sentences":[{"text":"Yep.","start":639.605,"end":640.105,"sentiment":"neutral","sentiment_score":0.026839271187782288}],"sentiment":"neutral","sentiment_score":0.026839271187782288,"channel":1,"num_words":1,"start":639.605,"end":640.105},{"sentences":[{"text":"And","start":639.855,"end":640.355,"sentiment":"neutral","sentiment_score":0.0005754046142101288}],"sentiment":"neutral","sentiment_score":0.0005754046142101288,"channel":0,"num_words":1,"start":639.855,"end":640.355},{"sentences":[{"text":"K.","start":640.40497,"end":640.83,"sentiment":"neutral","sentiment_score":-0.034611769020557404}],"sentiment":"neutral","sentiment_score":-0.034611769020557404,"channel":1,"num_words":1,"start":640.40497,"end":640.83},{"sentences":[{"text":"the problem that you've got is that every January, that's gonna go up in premiums.","start":640.415,"end":645.475,"sentiment":"neutral","sentiment_score":-0.18691199024518332},{"text":"And before you know it, just under 5,000 becomes 6 and a half, becomes 8, becomes 10, becomes 15 over","start":645.855,"end":653.44,"sentiment":"neutral","sentiment_score":-0.1467365562915802}],"sentiment":"neutral","sentiment_score":-0.16395459941455295,"channel":0,"num_words":35,"start":640.415,"end":653.44},{"sentences":[{"text":"Yep.","start":653.39,"end":653.89,"sentiment":"neutral","sentiment_score":-0.11271709203720091}],"sentiment":"neutral","sentiment_score":-0.11271709203720091,"channel":1,"num_words":1,"start":653.39,"end":653.89},{"sentences":[{"text":"the next ten years.","start":653.44,"end":654.88,"sentiment":"neutral","sentiment_score":-0.1171607244759798},{"text":"And before you know","start":654.88,"end":655.60004,"sentiment":"neutral","sentiment_score":-0.06623765360563993}],"sentiment":"neutral","sentiment_score":-0.09169918904080987,"channel":0,"num_words":8,"start":653.44,"end":655.60004},{"sentences":[{"text":"Yep.","start":655.485,"end":655.985,"sentiment":"neutral","sentiment_score":-0.04114951938390732}],"sentiment":"neutral","sentiment_score":-0.04114951938390732,"channel":1,"num_words":1,"start":655.485,"end":655.985},{"sentences":[{"text":"it, then the supercombing backwards.","start":655.60004,"end":657.06,"sentiment":"neutral","sentiment_score":-0.021867792680859567}],"sentiment":"neutral","sentiment_score":-0.021867792680859567,"channel":0,"num_words":5,"start":655.60004,"end":657.06},{"sentences":[{"text":"Yep.","start":657.485,"end":657.96497,"sentiment":"neutral","sentiment_score":0.007576518692076206},{"text":"Now, well, this is what I wanna avoid because it seemed to go up quite a lot last year.","start":657.96497,"end":662.125,"sentiment":"neutral","sentiment_score":-0.16095875595745288},{"text":"It was up, like, 25%.","start":662.125,"end":663.805,"sentiment":"neutral","sentiment_score":0.07684568166732789},{"text":"Oh, it's like, jeez.","start":663.805,"end":664.865,"sentiment":"neutral","sentiment_score":-0.03950603026896715},{"text":"It's quite a kick.","start":665.40497,"end":666.52496,"sentiment":"neutral","sentiment_score":-0.13877625204622746}],"sentiment":"neutral","sentiment_score":-0.10241032016435356,"channel":1,"num_words":33,"start":657.485,"end":666.52496},{"sentences":[{"text":"But is there that that's just the way it is.","start":666.52496,"end":670.07,"sentiment":"neutral","sentiment_score":-0.1543711967766285},{"text":"Is that what what happens every year?","start":670.07,"end":672.33,"sentiment":"neutral","sentiment_score":-0.09119479304977826}],"sentiment":"neutral","sentiment_score":-0.12835738347733722,"channel":1,"num_words":17,"start":666.52496,"end":672.33},{"sentences":[{"text":"Through the fifties and sixties is when it starts to become a bit of a hockey stick, and that's what I'm saying where it goes from, like, 3 to 15,000 a year over a ten year period.","start":673.55,"end":683.49,"sentiment":"neutral","sentiment_score":-0.10522636449014819},{"text":"So the idea is as you pay debt down, you can trim it down, or you have to shop around every couple of years.","start":683.845,"end":690.185,"sentiment":"neutral","sentiment_score":0.06368812173604965}],"sentiment":"neutral","sentiment_score":-0.0387682059749228,"channel":0,"num_words":61,"start":673.55,"end":690.185},{"sentences":[{"text":"Yeah.","start":691.145,"end":691.465,"sentiment":"neutral","sentiment_score":0.018664922565221783},{"text":"Well, this is the thing.","start":691.465,"end":692.905,"sentiment":"neutral","sentiment_score":-0.029639162868261338},{"text":"I think I've sort of I'm still playing a bit of catch up.","start":692.905,"end":696.025,"sentiment":"neutral","sentiment_score":-0.21943253966478202},{"text":"So I need to yeah.","start":696.025,"end":698.72003,"sentiment":"neutral","sentiment_score":-0.17270964086055757},{"text":"I mean, I need, obviously, to get the super up, but it's a catch 22.","start":698.72003,"end":703.28,"sentiment":"neutral","sentiment_score":-0.17936722735563915}],"sentiment":"neutral","sentiment_score":-0.1675951415911699,"channel":1,"num_words":39,"start":691.145,"end":703.28},{"sentences":[{"text":"It eats into the super, doesn't it?","start":703.28,"end":705.04,"sentiment":"neutral","sentiment_score":-0.26941111790282385},{"text":"So","start":705.04,"end":705.54,"sentiment":"neutral","sentiment_score":0.006334744393825531}],"sentiment":"neutral","sentiment_score":-0.23494288511574268,"channel":1,"num_words":8,"start":703.28,"end":705.54},{"sentences":[{"text":"Yes.","start":705.78,"end":706.28,"sentiment":"neutral","sentiment_score":0.047274891287088394}],"sentiment":"neutral","sentiment_score":0.047274891287088394,"channel":0,"num_words":1,"start":705.78,"end":706.28},{"sentences":[{"text":"what what's the best course of action with that then?","start":706.08,"end":708.82,"sentiment":"neutral","sentiment_score":0.043839951232075694}],"sentiment":"neutral","sentiment_score":0.043839951232075694,"channel":1,"num_words":10,"start":706.08,"end":708.82},{"sentences":[{"text":"So I need to do a couple of checks because not only do we do a bit of a trim down, I can like, it's been a couple of years just about.","start":708.91504,"end":717.09503,"sentiment":"neutral","sentiment_score":0.01310101873241365},{"text":"I can shop around and see if there's someone that's more affordable there.","start":717.635,"end":720.435,"sentiment":"neutral","sentiment_score":0.1307581955423722},{"text":"Like, I know MetLife did a pretty good deal initially.","start":720.435,"end":723.255,"sentiment":"neutral","sentiment_score":0.3322488456964493}],"sentiment":"neutral","sentiment_score":0.09893777451731942,"channel":0,"num_words":55,"start":708.91504,"end":723.255},{"sentences":[{"text":"Yep.","start":722.865,"end":723.265,"sentiment":"neutral","sentiment_score":0.15416716039180756},{"text":"Yep.","start":723.265,"end":723.745,"sentiment":"neutral","sentiment_score":0.1299048811197281},{"text":"Yep.","start":723.745,"end":724.245,"sentiment":"neutral","sentiment_score":0.13868442177772522}],"sentiment":"neutral","sentiment_score":0.1409188210964203,"channel":1,"num_words":3,"start":722.865,"end":724.245},{"sentences":[{"text":"It hasn't been long enough that there would be too many, but I'm gonna just do the due diligence, research the market, and see.","start":724.25,"end":730.67,"sentiment":"neutral","sentiment_score":0.09680181772758563}],"sentiment":"neutral","sentiment_score":0.09680181772758563,"channel":0,"num_words":24,"start":724.25,"end":730.67},{"sentences":[{"text":"Yeah.","start":730.76,"end":731.0,"sentiment":"neutral","sentiment_score":0.08349531888961792},{"text":"So is there no default insurance with any of the super?","start":731.0,"end":735.18005,"sentiment":"neutral","sentiment_score":0.018180268393321472}],"sentiment":"neutral","sentiment_score":0.02362318926801284,"channel":1,"num_words":12,"start":730.76,"end":735.18005},{"sentences":[{"text":"You can get default cover when you apply for an account, like, within sixty days.","start":736.66504,"end":740.905,"sentiment":"neutral","sentiment_score":0.05232965399821599},{"text":"You can get a bit of a default cover added there.","start":740.905,"end":743.305,"sentiment":"neutral","sentiment_score":0.0695005130361427},{"text":"But the main one for you at the moment, the kicker is the income protection.","start":743.305,"end":746.525,"sentiment":"neutral","sentiment_score":-0.14347318410873414},{"text":"That's kind of your most expensive one.","start":746.905,"end":749.085,"sentiment":"negative","sentiment_score":-0.4388273741517748}],"sentiment":"neutral","sentiment_score":-0.07655081098588805,"channel":0,"num_words":48,"start":736.66504,"end":749.085},{"sentences":[{"text":"Yeah.","start":749.245,"end":749.485,"sentiment":"neutral","sentiment_score":-0.042795587331056595},{"text":"Yeah.","start":749.485,"end":749.985,"sentiment":"neutral","sentiment_score":-0.033053476363420486},{"text":"I understand that.","start":750.125,"end":751.085,"sentiment":"neutral","sentiment_score":-0.06741342445214589},{"text":"It's it's necessary because I've got my own business and it's not like I've got work cover or anything, you know.","start":751.085,"end":756.72003,"sentiment":"neutral","sentiment_score":-0.175952924149377}],"sentiment":"neutral","sentiment_score":-0.1528115670841474,"channel":1,"num_words":26,"start":749.245,"end":756.72003},{"sentences":[{"text":"Yeah.","start":757.35,"end":757.82996,"sentiment":"neutral","sentiment_score":-0.015368975698947906},{"text":"Yeah.","start":757.82996,"end":758.32996,"sentiment":"neutral","sentiment_score":-0.04512723162770271}],"sentiment":"neutral","sentiment_score":-0.03024810366332531,"channel":0,"num_words":2,"start":757.35,"end":758.32996},{"sentences":[{"text":"So I understand that's and and I think that is the bare minimum, you know, income protection wise that I would need.","start":759.10004,"end":766.8,"sentiment":"neutral","sentiment_score":-0.0438368453390219},{"text":"So yeah.","start":768.085,"end":768.965,"sentiment":"neutral","sentiment_score":-0.02909057680517435},{"text":"I mean, that I have to take on the chin, I suppose.","start":768.965,"end":773.145,"sentiment":"neutral","sentiment_score":-0.05468209367245436}],"sentiment":"neutral","sentiment_score":-0.04663269097606341,"channel":1,"num_words":36,"start":759.10004,"end":773.145},{"sentences":[{"text":"There","start":773.205,"end":773.525,"sentiment":"neutral","sentiment_score":-0.029850175604224205}],"sentiment":"neutral","sentiment_score":-0.029850175604224205,"channel":0,"num_words":1,"start":773.205,"end":773.525},{"sentences":[{"text":"But","start":773.525,"end":774.025,"sentiment":"neutral","sentiment_score":-0.023253656923770905}],"sentiment":"neutral","sentiment_score":-0.023253656923770905,"channel":1,"num_words":1,"start":773.525,"end":774.025},{"sentences":[{"text":"there is a bit of a trade off that you can consider, and it's it's purely up to you here, is you can adjust the waiting periods and the benefit periods.","start":773.525,"end":781.4,"sentiment":"neutral","sentiment_score":-0.022582707521055016},{"text":"So what's","start":781.7,"end":782.5,"sentiment":"neutral","sentiment_score":0.010403289925307035}],"sentiment":"neutral","sentiment_score":-0.020583556160669435,"channel":0,"num_words":33,"start":773.525,"end":782.5},{"sentences":[{"text":"Yeah.","start":782.16003,"end":782.66003,"sentiment":"neutral","sentiment_score":0.034107230603694916}],"sentiment":"neutral","sentiment_score":0.034107230603694916,"channel":1,"num_words":1,"start":782.16003,"end":782.66003},{"sentences":[{"text":"possible is if you go, okay.","start":782.5,"end":784.34,"sentiment":"neutral","sentiment_score":0.01480751329412063},{"text":"If I'm out of work for a month, this will kick in.","start":784.34,"end":786.74,"sentiment":"neutral","sentiment_score":-0.10217100443939368},{"text":"But if you've got some savings built up, you can extend it out to sixty or ninety days, and that reduces it quite heavily.","start":786.74,"end":793.185,"sentiment":"neutral","sentiment_score":0.08595954533666372},{"text":"And then you've got the option to reduce the benefit period per injury from five years to two years.","start":793.645,"end":798.625,"sentiment":"neutral","sentiment_score":0.0067326130443497705}],"sentiment":"neutral","sentiment_score":0.017274455121550403,"channel":0,"num_words":61,"start":782.5,"end":798.625},{"sentences":[{"text":"Well, maybe","start":799.195,"end":799.835,"sentiment":"neutral","sentiment_score":-0.022634737193584442}],"sentiment":"neutral","sentiment_score":-0.022634737193584442,"channel":1,"num_words":2,"start":799.195,"end":799.835},{"sentences":[{"text":"So it's","start":799.565,"end":799.885,"sentiment":"neutral","sentiment_score":-0.030369065701961517}],"sentiment":"neutral","sentiment_score":-0.030369065701961517,"channel":0,"num_words":2,"start":799.565,"end":799.885},{"sentences":[{"text":"that's","start":799.835,"end":800.155,"sentiment":"neutral","sentiment_score":-0.06333252042531967}],"sentiment":"neutral","sentiment_score":-0.06333252042531967,"channel":1,"num_words":1,"start":799.835,"end":800.155},{"sentences":[{"text":"more like","start":799.885,"end":800.365,"sentiment":"neutral","sentiment_score":-0.07849926874041557}],"sentiment":"neutral","sentiment_score":-0.07849926874041557,"channel":0,"num_words":2,"start":799.885,"end":800.365},{"sentences":[{"text":"something","start":800.155,"end":800.47504,"sentiment":"neutral","sentiment_score":-0.09056785702705385}],"sentiment":"neutral","sentiment_score":-0.09056785702705385,"channel":1,"num_words":1,"start":800.155,"end":800.47504},{"sentences":[{"text":"short","start":800.365,"end":800.685,"sentiment":"neutral","sentiment_score":-0.09226711094379424}],"sentiment":"neutral","sentiment_score":-0.09226711094379424,"channel":0,"num_words":1,"start":800.365,"end":800.685},{"sentences":[{"text":"we","start":800.47504,"end":800.715,"sentiment":"neutral","sentiment_score":-0.1127326488494873}],"sentiment":"neutral","sentiment_score":-0.1127326488494873,"channel":1,"num_words":1,"start":800.47504,"end":800.715},{"sentences":[{"text":"term.","start":800.685,"end":801.185,"sentiment":"neutral","sentiment_score":-0.09456733614206314}],"sentiment":"neutral","sentiment_score":-0.09456733614206314,"channel":0,"num_words":1,"start":800.685,"end":801.185},{"sentences":[{"text":"look at when it's further down the track, like, when I build the super up a bit more.","start":800.715,"end":805.135,"sentiment":"neutral","sentiment_score":-0.05077713831431336},{"text":"And that's the thing, like, even with, you know, the settlement and and also if there's some extra super going in through my wife's account, then, yeah, maybe in a couple of years, I can kinda look to do that, I suppose.","start":806.47504,"end":820.27,"sentiment":"neutral","sentiment_score":-0.042869247939615024}],"sentiment":"neutral","sentiment_score":-0.04524161505202452,"channel":1,"num_words":60,"start":800.715,"end":820.27},{"sentences":[{"text":"Yep.","start":819.995,"end":820.495,"sentiment":"neutral","sentiment_score":0.09397303313016891}],"sentiment":"neutral","sentiment_score":0.09397303313016891,"channel":0,"num_words":1,"start":819.995,"end":820.495},{"sentences":[{"text":"Might be the best way.","start":820.33,"end":821.71,"sentiment":"neutral","sentiment_score":0.09959669709205628}],"sentiment":"neutral","sentiment_score":0.09959669709205628,"channel":1,"num_words":5,"start":820.33,"end":821.71},{"sentences":[{"text":"So if","start":821.595,"end":822.07495,"sentiment":"neutral","sentiment_score":0.08674308657646179}],"sentiment":"neutral","sentiment_score":0.08674308657646179,"channel":0,"num_words":2,"start":821.595,"end":822.07495},{"sentences":[{"text":"Yep.","start":821.93005,"end":822.43005,"sentiment":"neutral","sentiment_score":0.0492158904671669}],"sentiment":"neutral","sentiment_score":0.0492158904671669,"channel":1,"num_words":1,"start":821.93005,"end":822.43005},{"sentences":[{"text":"you want, I will look at a bit of a reduction of the life in TPD to 500,000 flat, and then we can revisit altering","start":822.07495,"end":831.33,"sentiment":"neutral","sentiment_score":0.0007908985763788227}],"sentiment":"neutral","sentiment_score":0.0007908985763788227,"channel":0,"num_words":25,"start":822.07495,"end":831.33},{"sentences":[{"text":"Yep.","start":830.915,"end":831.415,"sentiment":"neutral","sentiment_score":0.008153568021953106}],"sentiment":"neutral","sentiment_score":0.008153568021953106,"channel":1,"num_words":1,"start":830.915,"end":831.415},{"sentences":[{"text":"the income protection next year.","start":831.33,"end":833.59,"sentiment":"neutral","sentiment_score":-0.001377224177122116}],"sentiment":"neutral","sentiment_score":-0.001377224177122116,"channel":0,"num_words":5,"start":831.33,"end":833.59},{"sentences":[{"text":"Yeah.","start":833.875,"end":834.195,"sentiment":"neutral","sentiment_score":0.2314399629831314},{"text":"That's cool.","start":834.195,"end":835.075,"sentiment":"positive","sentiment_score":0.42365896701812744},{"text":"Yep.","start":835.075,"end":835.53,"sentiment":"neutral","sentiment_score":0.25353384017944336}],"sentiment":"neutral","sentiment_score":0.3330729342997074,"channel":1,"num_words":4,"start":833.875,"end":835.53},{"sentences":[{"text":"K.","start":835.89,"end":836.39,"sentiment":"neutral","sentiment_score":0.14613020420074463},{"text":"I still will just do a bit of a search on providers because if I see something amazing, that's like a 40% savings.","start":836.69,"end":842.37,"sentiment":"neutral","sentiment_score":0.19908425924570664},{"text":"I'll bring it up with you.","start":842.37,"end":843.495,"sentiment":"neutral","sentiment_score":0.17858737955490747},{"text":"But","start":843.575,"end":843.735,"sentiment":"neutral","sentiment_score":0.07102285325527191}],"sentiment":"neutral","sentiment_score":0.18927791282053916,"channel":0,"num_words":31,"start":835.89,"end":843.735},{"sentences":[{"text":"Yep.","start":843.69,"end":844.19,"sentiment":"neutral","sentiment_score":0.050628554075956345}],"sentiment":"neutral","sentiment_score":0.050628554075956345,"channel":1,"num_words":1,"start":843.69,"end":844.19},{"sentences":[{"text":"if not, I'm just gonna do an alteration with MetLife because there's no you you sign the letter saying trim it down.","start":843.735,"end":849.335,"sentiment":"neutral","sentiment_score":-0.01366725703701377},{"text":"They just do it straight away.","start":849.335,"end":850.375,"sentiment":"neutral","sentiment_score":-0.0036642917742331824},{"text":"There's no","start":850.375,"end":850.775,"sentiment":"neutral","sentiment_score":-0.04424993135035038}],"sentiment":"neutral","sentiment_score":-0.013705508938680092,"channel":0,"num_words":30,"start":843.735,"end":850.775},{"sentences":[{"text":"Yeah.","start":850.65,"end":851.15,"sentiment":"neutral","sentiment_score":-0.02149077132344246}],"sentiment":"neutral","sentiment_score":-0.02149077132344246,"channel":1,"num_words":1,"start":850.65,"end":851.15},{"sentences":[{"text":"applications and underwriting and health checks and all that kind of thing.","start":850.775,"end":854.315,"sentiment":"neutral","sentiment_score":-0.014390856182823578},{"text":"But if there's a big difference, I will flag it for you.","start":854.375,"end":857.64,"sentiment":"neutral","sentiment_score":0.02933799692740043}],"sentiment":"neutral","sentiment_score":0.0074735703722884255,"channel":0,"num_words":24,"start":850.775,"end":857.64},{"sentences":[{"text":"Yep.","start":857.425,"end":857.665,"sentiment":"neutral","sentiment_score":0.06786099076271057},{"text":"Yeah.","start":857.665,"end":858.165,"sentiment":"neutral","sentiment_score":0.05576586723327637},{"text":"So so what is it now?","start":858.305,"end":860.385,"sentiment":"neutral","sentiment_score":0.00985383455796788},{"text":"Is it about 5,000 a year or something?","start":860.385,"end":863.585,"sentiment":"neutral","sentiment_score":-0.004637499223463237},{"text":"What what","start":863.585,"end":864.325,"sentiment":"neutral","sentiment_score":0.026691139675676823}],"sentiment":"neutral","sentiment_score":0.011057341717080109,"channel":1,"num_words":18,"start":857.425,"end":864.325},{"sentences":[{"text":"Yeah.","start":864.28,"end":864.76,"sentiment":"neutral","sentiment_score":0.07073836028575897}],"sentiment":"neutral","sentiment_score":0.07073836028575897,"channel":0,"num_words":1,"start":864.28,"end":864.76},{"sentences":[{"text":"with","start":864.705,"end":865.205,"sentiment":"neutral","sentiment_score":0.07028599083423615}],"sentiment":"neutral","sentiment_score":0.07028599083423615,"channel":1,"num_words":1,"start":864.705,"end":865.205},{"sentences":[{"text":"It's $5.04 gross, and then the 15% rebate drops it down to $4.05 sorry, 4","start":864.76,"end":872.565,"sentiment":"neutral","sentiment_score":0.10918669402599335}],"sentiment":"neutral","sentiment_score":0.10918669402599335,"channel":0,"num_words":15,"start":864.76,"end":872.565},{"sentences":[{"text":"yes.","start":872.33,"end":872.83,"sentiment":"neutral","sentiment_score":0.0540713295340538}],"sentiment":"neutral","sentiment_score":0.0540713295340538,"channel":1,"num_words":1,"start":872.33,"end":872.83},{"sentences":[{"text":"6.","start":872.565,"end":873.065,"sentiment":"neutral","sentiment_score":0.08142739534378052}],"sentiment":"neutral","sentiment_score":0.08142739534378052,"channel":0,"num_words":1,"start":872.565,"end":873.065},{"sentences":[{"text":"Yeah.","start":873.13,"end":873.37,"sentiment":"neutral","sentiment_score":0.19800320267677307},{"text":"It would be good to get it to that 4,000 and because I just yeah.","start":873.37,"end":877.13,"sentiment":"positive","sentiment_score":0.37345865567525227},{"text":"If I'm putting 30,000 in a year, then, you know, I could almost look at trying to do 35, which is tough.","start":877.13,"end":886.585,"sentiment":"neutral","sentiment_score":0.13445224054157734},{"text":"But at the same time, I usually get to because with my shares, I'm sort of doing okay with, like, take a lump sum out of that once a year,","start":886.585,"end":895.48505,"sentiment":"neutral","sentiment_score":0.2683131754398346}],"sentiment":"neutral","sentiment_score":0.24716511166051908,"channel":1,"num_words":68,"start":873.13,"end":895.48505},{"sentences":[{"text":"Yep.","start":895.715,"end":896.215,"sentiment":"neutral","sentiment_score":0.26015394926071167}],"sentiment":"neutral","sentiment_score":0.26015394926071167,"channel":0,"num_words":1,"start":895.715,"end":896.215},{"sentences":[{"text":"which I did last year.","start":897.35004,"end":898.39,"sentiment":"neutral","sentiment_score":0.2795601785182953},{"text":"I put another 5,000 or something, and I can't remember exactly, but I plan to do the same this year.","start":898.39,"end":903.91003,"sentiment":"neutral","sentiment_score":0.2614208463579416},{"text":"So ideally, you know, say I'm putting in 35, then what's the cap now?","start":903.91003,"end":911.915,"sentiment":"neutral","sentiment_score":0.15412551736725227},{"text":"Is it 32?","start":911.915,"end":912.97504,"sentiment":"neutral","sentiment_score":0.028885189443826675}],"sentiment":"neutral","sentiment_score":0.2112054912196029,"channel":1,"num_words":42,"start":897.35004,"end":912.97504},{"sentences":[{"text":"They're just increasing to 32 and a half next financial year.","start":913.00995,"end":916.70996,"sentiment":"neutral","sentiment_score":0.1738101691007614}],"sentiment":"neutral","sentiment_score":0.1738101691007614,"channel":0,"num_words":11,"start":913.00995,"end":916.70996},{"sentences":[{"text":"Yeah.","start":916.715,"end":917.115,"sentiment":"neutral","sentiment_score":0.15098339319229126},{"text":"And say if I'm doing that, at least that covers a portion of the insurance.","start":917.115,"end":921.055,"sentiment":"neutral","sentiment_score":0.12328987667957941}],"sentiment":"neutral","sentiment_score":0.1250207214616239,"channel":1,"num_words":16,"start":916.715,"end":921.055},{"sentences":[{"text":"Yeah.","start":921.825,"end":922.14496,"sentiment":"neutral","sentiment_score":0.1098739206790924}],"sentiment":"neutral","sentiment_score":0.1098739206790924,"channel":0,"num_words":1,"start":921.825,"end":922.14496},{"sentences":[{"text":"So","start":921.995,"end":922.495,"sentiment":"neutral","sentiment_score":0.10706233978271484}],"sentiment":"neutral","sentiment_score":0.10706233978271484,"channel":1,"num_words":1,"start":921.995,"end":922.495},{"sentences":[{"text":"Exactly right.","start":922.14496,"end":923.285,"sentiment":"neutral","sentiment_score":0.12559915333986282}],"sentiment":"neutral","sentiment_score":0.12559915333986282,"channel":0,"num_words":2,"start":922.14496,"end":923.285},{"sentences":[{"text":"does it go up to 30% after that?","start":923.55,"end":925.73,"sentiment":"neutral","sentiment_score":0.05478095542639494}],"sentiment":"neutral","sentiment_score":0.05478095542639494,"channel":1,"num_words":8,"start":923.55,"end":925.73},{"sentences":[{"text":"No.","start":927.58496,"end":927.90497,"sentiment":"neutral","sentiment_score":-0.07453795522451401},{"text":"So anything above that, they look back five years to see if there's any cap that you've unused.","start":927.90497,"end":932.32,"sentiment":"neutral","sentiment_score":-0.07000228472881848},{"text":"And then outside of that, they start hitting you at that marginal rate","start":932.32,"end":935.22,"sentiment":"neutral","sentiment_score":-0.039649881135958895}],"sentiment":"neutral","sentiment_score":-0.05781336047220975,"channel":0,"num_words":32,"start":927.58496,"end":935.22},{"sentences":[{"text":"Yeah.","start":935.47003,"end":935.97003,"sentiment":"neutral","sentiment_score":0.028402389958500866}],"sentiment":"neutral","sentiment_score":0.028402389958500866,"channel":1,"num_words":1,"start":935.47003,"end":935.97003},{"sentences":[{"text":"with the 15","start":935.68,"end":936.4,"sentiment":"neutral","sentiment_score":0.06979894141356151}],"sentiment":"neutral","sentiment_score":0.06979894141356151,"channel":0,"num_words":3,"start":935.68,"end":936.4},{"sentences":[{"text":"We have","start":936.03,"end":936.51,"sentiment":"neutral","sentiment_score":0.05991912633180618}],"sentiment":"neutral","sentiment_score":0.05991912633180618,"channel":1,"num_words":2,"start":936.03,"end":936.51},{"sentences":[{"text":"percent","start":936.4,"end":936.64,"sentiment":"neutral","sentiment_score":0.12688422203063965}],"sentiment":"neutral","sentiment_score":0.12688422203063965,"channel":0,"num_words":1,"start":936.4,"end":936.64},{"sentences":[{"text":"got","start":936.51,"end":936.915,"sentiment":"neutral","sentiment_score":0.08336479961872101}],"sentiment":"neutral","sentiment_score":0.08336479961872101,"channel":1,"num_words":1,"start":936.51,"end":936.915},{"sentences":[{"text":"offset.","start":936.64,"end":937.14,"sentiment":"neutral","sentiment_score":0.05004985257983208}],"sentiment":"neutral","sentiment_score":0.05004985257983208,"channel":0,"num_words":1,"start":936.64,"end":937.14},{"sentences":[{"text":"I probably have got some lay low leeway there.","start":937.475,"end":941.315,"sentiment":"neutral","sentiment_score":0.03997050349911054},{"text":"But do you do that, or is my account gonna put","start":941.315,"end":944.51495,"sentiment":"neutral","sentiment_score":0.018949838863177734}],"sentiment":"neutral","sentiment_score":0.028409137949347497,"channel":1,"num_words":20,"start":937.475,"end":944.51495},{"sentences":[{"text":"We","start":944.495,"end":944.575,"sentiment":"neutral","sentiment_score":0.06111044064164162}],"sentiment":"neutral","sentiment_score":0.06111044064164162,"channel":0,"num_words":1,"start":944.495,"end":944.575},{"sentences":[{"text":"that?","start":944.51495,"end":945.01495,"sentiment":"neutral","sentiment_score":0.09041465818881989}],"sentiment":"neutral","sentiment_score":0.09041465818881989,"channel":1,"num_words":1,"start":944.51495,"end":945.01495},{"sentences":[{"text":"can help with it.","start":944.575,"end":945.375,"sentiment":"neutral","sentiment_score":0.2245534062385559},{"text":"The only thing that","start":945.375,"end":946.09503,"sentiment":"neutral","sentiment_score":0.10399410128593445}],"sentiment":"neutral","sentiment_score":0.16427375376224518,"channel":0,"num_words":8,"start":944.575,"end":946.09503},{"sentences":[{"text":"Yeah.","start":945.875,"end":946.375,"sentiment":"neutral","sentiment_score":0.13533464074134827}],"sentiment":"neutral","sentiment_score":0.13533464074134827,"channel":1,"num_words":1,"start":945.875,"end":946.375},{"sentences":[{"text":"I need from you is if you go on your myGov, they have a section there that will literally tell you you have this much to use the last five financial years, and they'll break down every year for you.","start":946.09503,"end":957.45,"sentiment":"neutral","sentiment_score":0.15304857213050127},{"text":"So I can even guide you through there if you wanna hop on my gov now, or we can just grab that off you later.","start":957.69,"end":962.51,"sentiment":"neutral","sentiment_score":0.20467926770448686}],"sentiment":"neutral","sentiment_score":0.17290653196664957,"channel":0,"num_words":65,"start":946.09503,"end":962.51},{"sentences":[{"text":"Yeah.","start":962.27997,"end":962.68,"sentiment":"neutral","sentiment_score":0.23295700550079343},{"text":"I think grab it grab it later.","start":962.68,"end":964.6,"sentiment":"neutral","sentiment_score":0.27874774592263357},{"text":"Is that something we have to do before the end of the next year or after is fine?","start":964.6,"end":969.115,"sentiment":"neutral","sentiment_score":0.20042250926295915}],"sentiment":"neutral","sentiment_score":0.22276139975740358,"channel":1,"num_words":26,"start":962.27997,"end":969.115},{"sentences":[{"text":"You can do it next financial year is totally cool.","start":970.025,"end":972.585,"sentiment":"positive","sentiment_score":0.7729139149188995},{"text":"It just means","start":972.585,"end":973.22504,"sentiment":"positive","sentiment_score":0.3971131145954132}],"sentiment":"positive","sentiment_score":0.6861906533057873,"channel":0,"num_words":13,"start":970.025,"end":973.22504},{"sentences":[{"text":"Yeah.","start":973.015,"end":973.515,"sentiment":"neutral","sentiment_score":0.053555432707071304}],"sentiment":"neutral","sentiment_score":0.053555432707071304,"channel":1,"num_words":1,"start":973.015,"end":973.515},{"sentences":[{"text":"that because they look back five years, as each year progresses, that previous one gets chopped off.","start":973.22504,"end":979.005,"sentiment":"neutral","sentiment_score":-0.16992461330750408}],"sentiment":"neutral","sentiment_score":-0.16992461330750408,"channel":0,"num_words":17,"start":973.22504,"end":979.005},{"sentences":[{"text":"Yeah.","start":979.35004,"end":979.75,"sentiment":"neutral","sentiment_score":-0.03729171305894852},{"text":"I mean, that's yeah.","start":979.75,"end":980.95,"sentiment":"neutral","sentiment_score":-0.025285137817263603},{"text":"I get it.","start":980.95,"end":981.51,"sentiment":"neutral","sentiment_score":0.04289334391554197},{"text":"So I'd be well under that sort of cap anyway for the last five years.","start":981.51,"end":986.47003,"sentiment":"neutral","sentiment_score":-0.09766172120968501},{"text":"So,","start":986.47003,"end":986.97003,"sentiment":"neutral","sentiment_score":0.08894412219524384}],"sentiment":"neutral","sentiment_score":-0.05773891368880868,"channel":1,"num_words":24,"start":979.35004,"end":986.97003},{"sentences":[{"text":"Yep.","start":987.24,"end":987.74,"sentiment":"neutral","sentiment_score":0.09396950900554656}],"sentiment":"neutral","sentiment_score":0.09396950900554656,"channel":0,"num_words":1,"start":987.24,"end":987.74},{"sentences":[{"text":"you know, probably we'll only get to the 30 this year, but we'll look at it, I suppose, in the next financial.","start":988.71,"end":994.885,"sentiment":"neutral","sentiment_score":0.0491995294155045}],"sentiment":"neutral","sentiment_score":0.0491995294155045,"channel":1,"num_words":22,"start":988.71,"end":994.885},{"sentences":[{"text":"Yep.","start":995.65497,"end":996.055,"sentiment":"neutral","sentiment_score":0.11921072006225586},{"text":"So when I look at the super, do you want me to consider what it looks like with the 30 slash 32 and a half going in there in terms","start":996.055,"end":1005.335,"sentiment":"neutral","sentiment_score":0.04212048004070918}],"sentiment":"neutral","sentiment_score":0.0446072619768881,"channel":0,"num_words":31,"start":995.65497,"end":1005.335},{"sentences":[{"text":"Yep.","start":1005.265,"end":1005.765,"sentiment":"neutral","sentiment_score":0.07287552952766418}],"sentiment":"neutral","sentiment_score":0.07287552952766418,"channel":1,"num_words":1,"start":1005.265,"end":1005.765},{"sentences":[{"text":"of projections going forward?","start":1005.335,"end":1006.695,"sentiment":"neutral","sentiment_score":0.058337027207016945},{"text":"Like, I'll update your your advice","start":1006.695,"end":1008.315,"sentiment":"neutral","sentiment_score":0.116230309009552}],"sentiment":"neutral","sentiment_score":0.09307299628853798,"channel":0,"num_words":10,"start":1005.335,"end":1008.315},{"sentences":[{"text":"Yep.","start":1007.99005,"end":1008.49005,"sentiment":"neutral","sentiment_score":0.11064960062503816}],"sentiment":"neutral","sentiment_score":0.11064960062503816,"channel":1,"num_words":1,"start":1007.99005,"end":1008.49005},{"sentences":[{"text":"with the insurance premiums and what","start":1009.0,"end":1011.72,"sentiment":"neutral","sentiment_score":0.06693454707662265}],"sentiment":"neutral","sentiment_score":0.06693454707662265,"channel":0,"num_words":6,"start":1009.0,"end":1011.72},{"sentences":[{"text":"Yep.","start":1011.51,"end":1012.01,"sentiment":"neutral","sentiment_score":0.05446904897689819}],"sentiment":"neutral","sentiment_score":0.05446904897689819,"channel":1,"num_words":1,"start":1011.51,"end":1012.01},{"sentences":[{"text":"that does.","start":1011.72,"end":1012.38,"sentiment":"neutral","sentiment_score":0.07740214467048645}],"sentiment":"neutral","sentiment_score":0.07740214467048645,"channel":0,"num_words":2,"start":1011.72,"end":1012.38},{"sentences":[{"text":"Yep.","start":1012.79004,"end":1013.29004,"sentiment":"neutral","sentiment_score":0.04618535935878754}],"sentiment":"neutral","sentiment_score":0.04618535935878754,"channel":1,"num_words":1,"start":1012.79004,"end":1013.29004},{"sentences":[{"text":"And","start":1014.19995,"end":1014.69995,"sentiment":"neutral","sentiment_score":0.008516058325767517}],"sentiment":"neutral","sentiment_score":0.008516058325767517,"channel":0,"num_words":1,"start":1014.19995,"end":1014.69995},{"sentences":[{"text":"So did","start":1014.39,"end":1014.87,"sentiment":"neutral","sentiment_score":0.0028362469747662544}],"sentiment":"neutral","sentiment_score":0.0028362469747662544,"channel":1,"num_words":2,"start":1014.39,"end":1014.87},{"sentences":[{"text":"you're","start":1014.75995,"end":1015.07996,"sentiment":"neutral","sentiment_score":-0.0035176570527255535}],"sentiment":"neutral","sentiment_score":-0.0035176570527255535,"channel":0,"num_words":1,"start":1014.75995,"end":1015.07996},{"sentences":[{"text":"that","start":1014.87,"end":1015.11005,"sentiment":"neutral","sentiment_score":-0.011852050200104712}],"sentiment":"neutral","sentiment_score":-0.011852050200104712,"channel":1,"num_words":1,"start":1014.87,"end":1015.11005},{"sentences":[{"text":"doing","start":1015.07996,"end":1015.57996,"sentiment":"neutral","sentiment_score":-0.014753267168998718}],"sentiment":"neutral","sentiment_score":-0.014753267168998718,"channel":0,"num_words":1,"start":1015.07996,"end":1015.57996},{"sentences":[{"text":"come off?","start":1015.11005,"end":1015.67004,"sentiment":"neutral","sentiment_score":-0.01907275151461363},{"text":"Does that come","start":1015.67004,"end":1016.31,"sentiment":"neutral","sentiment_score":-0.022960829858978588}],"sentiment":"neutral","sentiment_score":-0.021405598521232604,"channel":1,"num_words":5,"start":1015.11005,"end":1016.31},{"sentences":[{"text":"four.","start":1016.27997,"end":1016.77997,"sentiment":"neutral","sentiment_score":-0.02733449451625347}],"sentiment":"neutral","sentiment_score":-0.02733449451625347,"channel":0,"num_words":1,"start":1016.27997,"end":1016.77997},{"sentences":[{"text":"sorry.","start":1016.55005,"end":1017.05005,"sentiment":"neutral","sentiment_score":-0.041661642491817474},{"text":"So I'm","start":1017.27,"end":1017.59,"sentiment":"neutral","sentiment_score":-0.02998525369912386}],"sentiment":"neutral","sentiment_score":-0.0338773832966884,"channel":1,"num_words":3,"start":1016.55005,"end":1017.59},{"sentences":[{"text":"Yep.","start":1017.63995,"end":1018.13995,"sentiment":"neutral","sentiment_score":-0.010061990469694138}],"sentiment":"neutral","sentiment_score":-0.010061990469694138,"channel":0,"num_words":1,"start":1017.63995,"end":1018.13995},{"sentences":[{"text":"does that come off the so it says I'll put in 32 for for for argument, say, 5,000 in insurances.","start":1017.67004,"end":1026.155,"sentiment":"neutral","sentiment_score":-0.038251630309969184},{"text":"Does that come off the 32?","start":1026.295,"end":1027.815,"sentiment":"neutral","sentiment_score":-0.0516605277856191},{"text":"Do you know what I mean?","start":1027.815,"end":1028.955,"sentiment":"neutral","sentiment_score":-0.050427657241622605}],"sentiment":"neutral","sentiment_score":-0.04304880363633856,"channel":1,"num_words":32,"start":1017.67004,"end":1028.955},{"sentences":[{"text":"Yeah.","start":1029.655,"end":1030.135,"sentiment":"neutral","sentiment_score":-0.025419259443879128},{"text":"So the cap's the cap, and then all the expenses under the hood, they all get these 15% rebates, but they don't allow you to do extra to cover all the expenses.","start":1030.135,"end":1038.2899,"sentiment":"neutral","sentiment_score":-0.10597716318443418},{"text":"So the insurances don't extend your cap or anything like that.","start":1038.59,"end":1041.73,"sentiment":"neutral","sentiment_score":-0.22354239225387573}],"sentiment":"neutral","sentiment_score":-0.1335376090031456,"channel":0,"num_words":44,"start":1029.655,"end":1041.73},{"sentences":[{"text":"Okay.","start":1041.91,"end":1042.31,"sentiment":"neutral","sentiment_score":0.01536630280315876},{"text":"Alright.","start":1042.31,"end":1042.81,"sentiment":"neutral","sentiment_score":0.08632275462150574},{"text":"Alright.","start":1042.87,"end":1043.37,"sentiment":"neutral","sentiment_score":0.1842929571866989},{"text":"It's okay.","start":1044.035,"end":1044.855,"sentiment":"neutral","sentiment_score":0.2711676061153412}],"sentiment":"neutral","sentiment_score":0.16566344536840916,"channel":1,"num_words":5,"start":1041.91,"end":1044.855},{"sentences":[{"text":"So based","start":1044.75,"end":1045.39,"sentiment":"neutral","sentiment_score":0.14277991652488708}],"sentiment":"neutral","sentiment_score":0.14277991652488708,"channel":0,"num_words":2,"start":1044.75,"end":1045.39},{"sentences":[{"text":"I","start":1045.155,"end":1045.395,"sentiment":"neutral","sentiment_score":0.11779487133026124}],"sentiment":"neutral","sentiment_score":0.11779487133026124,"channel":1,"num_words":1,"start":1045.155,"end":1045.395},{"sentences":[{"text":"on","start":1045.39,"end":1045.63,"sentiment":"neutral","sentiment_score":0.11014706641435625}],"sentiment":"neutral","sentiment_score":0.11014706641435625,"channel":0,"num_words":1,"start":1045.39,"end":1045.63},{"sentences":[{"text":"I think","start":1045.395,"end":1045.715,"sentiment":"neutral","sentiment_score":0.07689551636576653}],"sentiment":"neutral","sentiment_score":0.07689551636576653,"channel":1,"num_words":2,"start":1045.395,"end":1045.715},{"sentences":[{"text":"the","start":1045.63,"end":1045.87,"sentiment":"neutral","sentiment_score":0.11462049931287766}],"sentiment":"neutral","sentiment_score":0.11462049931287766,"channel":0,"num_words":1,"start":1045.63,"end":1045.87},{"sentences":[{"text":"I","start":1045.715,"end":1045.875,"sentiment":"neutral","sentiment_score":0.10021740198135376}],"sentiment":"neutral","sentiment_score":0.10021740198135376,"channel":1,"num_words":1,"start":1045.715,"end":1045.875},{"sentences":[{"text":"four","start":1045.87,"end":1046.11,"sentiment":"neutral","sentiment_score":0.06577666103839874}],"sentiment":"neutral","sentiment_score":0.06577666103839874,"channel":0,"num_words":1,"start":1045.87,"end":1046.11},{"sentences":[{"text":"will have","start":1045.875,"end":1046.195,"sentiment":"neutral","sentiment_score":0.11446564272046089}],"sentiment":"neutral","sentiment_score":0.11446564272046089,"channel":1,"num_words":2,"start":1045.875,"end":1046.195},{"sentences":[{"text":"100","start":1046.11,"end":1046.4299,"sentiment":"neutral","sentiment_score":0.1525421142578125}],"sentiment":"neutral","sentiment_score":0.1525421142578125,"channel":0,"num_words":1,"start":1046.11,"end":1046.4299},{"sentences":[{"text":"some leeway with that.","start":1046.195,"end":1047.075,"sentiment":"neutral","sentiment_score":0.1004937682300806},{"text":"Yeah.","start":1047.075,"end":1047.575,"sentiment":"neutral","sentiment_score":0.1778053641319275},{"text":"I will have","start":1047.7949,"end":1048.275,"sentiment":"neutral","sentiment_score":0.22575438022613525}],"sentiment":"neutral","sentiment_score":0.15713044721633196,"channel":1,"num_words":8,"start":1046.195,"end":1048.275},{"sentences":[{"text":"okay.","start":1048.19,"end":1048.69,"sentiment":"neutral","sentiment_score":0.21095073223114016}],"sentiment":"neutral","sentiment_score":0.21095073223114016,"channel":0,"num_words":1,"start":1048.19,"end":1048.69},{"sentences":[{"text":"some leeway with that last five years, so that's okay.","start":1048.275,"end":1050.775,"sentiment":"neutral","sentiment_score":0.13360192477703095},{"text":"Yep.","start":1050.9149,"end":1051.4149,"sentiment":"neutral","sentiment_score":0.24636289477348328}],"sentiment":"neutral","sentiment_score":0.1438529220494357,"channel":1,"num_words":11,"start":1048.275,"end":1051.4149},{"sentences":[{"text":"Perfect.","start":1051.215,"end":1051.715,"sentiment":"positive","sentiment_score":0.4575670659542084},{"text":"I won't do any at the moment.","start":1051.9349,"end":1053.455,"sentiment":"neutral","sentiment_score":-0.17000554289136613},{"text":"We'll just come back to that","start":1053.455,"end":1054.8949,"sentiment":"neutral","sentiment_score":0.008231335009137789}],"sentiment":"neutral","sentiment_score":-0.04879169458789485,"channel":0,"num_words":14,"start":1051.215,"end":1054.8949},{"sentences":[{"text":"Yeah.","start":1054.835,"end":1055.335,"sentiment":"neutral","sentiment_score":-0.0005267467349767685}],"sentiment":"neutral","sentiment_score":-0.0005267467349767685,"channel":1,"num_words":1,"start":1054.835,"end":1055.335},{"sentences":[{"text":"next time.","start":1054.8949,"end":1055.2949,"sentiment":"neutral","sentiment_score":-0.007464846596121788},{"text":"Because,","start":1055.2949,"end":1055.615,"sentiment":"neutral","sentiment_score":0.013210687786340714}],"sentiment":"neutral","sentiment_score":-0.0005730018019676208,"channel":0,"num_words":3,"start":1054.8949,"end":1055.615},{"sentences":[{"text":"Yeah.","start":1055.395,"end":1055.895,"sentiment":"neutral","sentiment_score":0.027001721784472466}],"sentiment":"neutral","sentiment_score":0.027001721784472466,"channel":1,"num_words":1,"start":1055.395,"end":1055.895},{"sentences":[{"text":"again, when we look at the income protection, we can also have a look for any lump sums to do Next one is for you.","start":1055.615,"end":1062.37,"sentiment":"neutral","sentiment_score":0.06973672762513161}],"sentiment":"neutral","sentiment_score":0.06973672762513161,"channel":0,"num_words":25,"start":1055.615,"end":1062.37},{"sentences":[{"text":"Yep.","start":1062.0,"end":1062.48,"sentiment":"neutral","sentiment_score":0.1030263751745224}],"sentiment":"neutral","sentiment_score":0.1030263751745224,"channel":1,"num_words":1,"start":1062.0,"end":1062.48},{"sentences":[{"text":"So","start":1062.4299,"end":1062.6699,"sentiment":"neutral","sentiment_score":0.08261767774820328}],"sentiment":"neutral","sentiment_score":0.08261767774820328,"channel":0,"num_words":1,"start":1062.4299,"end":1062.6699},{"sentences":[{"text":"Yep.","start":1062.48,"end":1062.98,"sentiment":"neutral","sentiment_score":0.10097341239452362}],"sentiment":"neutral","sentiment_score":0.10097341239452362,"channel":1,"num_words":1,"start":1062.48,"end":1062.98},{"sentences":[{"text":"I'll put that in as a bit of a pause in terms of lump sum.","start":1062.6699,"end":1065.49,"sentiment":"neutral","sentiment_score":0.041071817030509314},{"text":"The","start":1065.71,"end":1066.0299,"sentiment":"neutral","sentiment_score":0.042495764791965485}],"sentiment":"neutral","sentiment_score":0.041160813765600324,"channel":0,"num_words":16,"start":1062.6699,"end":1066.0299},{"sentences":[{"text":"Yep.","start":1065.84,"end":1066.34,"sentiment":"neutral","sentiment_score":0.05594446510076523}],"sentiment":"neutral","sentiment_score":0.05594446510076523,"channel":1,"num_words":1,"start":1065.84,"end":1066.34},{"sentences":[{"text":"400 a week that's going in there at the moment, it's listing as member voluntary through BPAY.","start":1066.0299,"end":1072.61,"sentiment":"neutral","sentiment_score":0.06620615874143208},{"text":"Do you normally","start":1072.9099,"end":1073.63,"sentiment":"neutral","sentiment_score":0.0485316626727581}],"sentiment":"neutral","sentiment_score":0.06355498433113098,"channel":0,"num_words":20,"start":1066.0299,"end":1073.63},{"sentences":[{"text":"Yeah.","start":1073.2949,"end":1073.7949,"sentiment":"neutral","sentiment_score":0.05417271703481674}],"sentiment":"neutral","sentiment_score":0.05417271703481674,"channel":1,"num_words":1,"start":1073.2949,"end":1073.7949},{"sentences":[{"text":"just","start":1073.63,"end":1073.87,"sentiment":"neutral","sentiment_score":0.05306905880570412}],"sentiment":"neutral","sentiment_score":0.05306905880570412,"channel":0,"num_words":1,"start":1073.63,"end":1073.87},{"sentences":[{"text":"I'm","start":1073.855,"end":1074.015,"sentiment":"neutral","sentiment_score":0.060889117419719696}],"sentiment":"neutral","sentiment_score":0.060889117419719696,"channel":1,"num_words":1,"start":1073.855,"end":1074.015},{"sentences":[{"text":"go","start":1073.87,"end":1074.11,"sentiment":"neutral","sentiment_score":0.07082873582839966}],"sentiment":"neutral","sentiment_score":0.07082873582839966,"channel":0,"num_words":1,"start":1073.87,"end":1074.11},{"sentences":[{"text":"also","start":1074.015,"end":1074.255,"sentiment":"neutral","sentiment_score":0.05368854850530624}],"sentiment":"neutral","sentiment_score":0.05368854850530624,"channel":1,"num_words":1,"start":1074.015,"end":1074.255},{"sentences":[{"text":"through","start":1074.11,"end":1074.35,"sentiment":"neutral","sentiment_score":0.05717349797487259}],"sentiment":"neutral","sentiment_score":0.05717349797487259,"channel":0,"num_words":1,"start":1074.11,"end":1074.35},{"sentences":[{"text":"doing","start":1074.255,"end":1074.755,"sentiment":"neutral","sentiment_score":0.04249265044927597}],"sentiment":"neutral","sentiment_score":0.04249265044927597,"channel":1,"num_words":1,"start":1074.255,"end":1074.755},{"sentences":[{"text":"that notice","start":1074.35,"end":1074.99,"sentiment":"neutral","sentiment_score":0.05461077764630318}],"sentiment":"neutral","sentiment_score":0.05461077764630318,"channel":0,"num_words":2,"start":1074.35,"end":1074.99},{"sentences":[{"text":"four","start":1074.895,"end":1075.135,"sentiment":"neutral","sentiment_score":0.06234351545572281}],"sentiment":"neutral","sentiment_score":0.06234351545572281,"channel":1,"num_words":1,"start":1074.895,"end":1075.135},{"sentences":[{"text":"of intent","start":1074.99,"end":1075.5499,"sentiment":"neutral","sentiment_score":0.009683636948466301}],"sentiment":"neutral","sentiment_score":0.009683636948466301,"channel":0,"num_words":2,"start":1074.99,"end":1075.5499},{"sentences":[{"text":"yeah.","start":1075.535,"end":1075.9349,"sentiment":"neutral","sentiment_score":0.029435373842716217}],"sentiment":"neutral","sentiment_score":0.029435373842716217,"channel":1,"num_words":1,"start":1075.535,"end":1075.9349},{"sentences":[{"text":"to claim","start":1075.5499,"end":1075.95,"sentiment":"neutral","sentiment_score":0.00666940538212657}],"sentiment":"neutral","sentiment_score":0.00666940538212657,"channel":0,"num_words":2,"start":1075.5499,"end":1075.95},{"sentences":[{"text":"I'm","start":1075.9349,"end":1076.095,"sentiment":"neutral","sentiment_score":-0.0031004631891846657}],"sentiment":"neutral","sentiment_score":-0.0031004631891846657,"channel":1,"num_words":1,"start":1075.9349,"end":1076.095},{"sentences":[{"text":"for","start":1075.95,"end":1076.11,"sentiment":"neutral","sentiment_score":0.0032254820689558983}],"sentiment":"neutral","sentiment_score":0.0032254820689558983,"channel":0,"num_words":1,"start":1075.95,"end":1076.11},{"sentences":[{"text":"doing","start":1076.095,"end":1076.4149,"sentiment":"neutral","sentiment_score":0.00665205717086792}],"sentiment":"neutral","sentiment_score":0.00665205717086792,"channel":1,"num_words":1,"start":1076.095,"end":1076.4149},{"sentences":[{"text":"it?","start":1076.11,"end":1076.445,"sentiment":"neutral","sentiment_score":0.002510984893888235}],"sentiment":"neutral","sentiment_score":0.002510984893888235,"channel":0,"num_words":1,"start":1076.11,"end":1076.445},{"sentences":[{"text":"400 a month as well.","start":1076.4149,"end":1077.855,"sentiment":"neutral","sentiment_score":-0.011323725152760745},{"text":"I don't know why I did that, but I think I missed the direct debit.","start":1077.855,"end":1081.375,"sentiment":"neutral","sentiment_score":-0.10959840168555578},{"text":"So there's there is 500 going in because there's an extra 400 going in once a month.","start":1081.375,"end":1087.97,"sentiment":"neutral","sentiment_score":-0.05441579354159972},{"text":"So yeah.","start":1087.97,"end":1088.45,"sentiment":"neutral","sentiment_score":0.002829470206052065},{"text":"Yeah.","start":1088.45,"end":1088.95,"sentiment":"neutral","sentiment_score":0.029533935710787773}],"sentiment":"neutral","sentiment_score":-0.0647617566282861,"channel":1,"num_words":40,"start":1076.4149,"end":1088.95},{"sentences":[{"text":"That makes sense.","start":1089.6599,"end":1090.72,"sentiment":"neutral","sentiment_score":0.0557539127767086}],"sentiment":"neutral","sentiment_score":0.0557539127767086,"channel":0,"num_words":3,"start":1089.6599,"end":1090.72},{"sentences":[{"text":"I should just change","start":1090.85,"end":1091.8099,"sentiment":"neutral","sentiment_score":0.030875793658196926}],"sentiment":"neutral","sentiment_score":0.030875793658196926,"channel":1,"num_words":4,"start":1090.85,"end":1091.8099},{"sentences":[{"text":"Okay.","start":1091.5,"end":1091.75,"sentiment":"neutral","sentiment_score":0.01272719819098711},{"text":"So","start":1091.75,"end":1092.25,"sentiment":"neutral","sentiment_score":0.0066566988825798035}],"sentiment":"neutral","sentiment_score":0.009691948536783457,"channel":0,"num_words":2,"start":1091.5,"end":1092.25},{"sentences":[{"text":"that.","start":1091.8099,"end":1092.0499,"sentiment":"neutral","sentiment_score":0.012769987806677818},{"text":"Do that.","start":1092.0499,"end":1092.5299,"sentiment":"neutral","sentiment_score":0.005172855220735073},{"text":"Just because why why I canceled it for some reason, and then when I should have did then I just kept that once a month.","start":1092.5299,"end":1098.645,"sentiment":"neutral","sentiment_score":-0.06960501410067081},{"text":"Some reason, it was going out once a month, and I was like, oh, no.","start":1098.805,"end":1101.465,"sentiment":"neutral","sentiment_score":-0.12706515739361446},{"text":"So I I just kept that, but I still do the 400.","start":1101.605,"end":1104.5651,"sentiment":"neutral","sentiment_score":-0.10334205875794093}],"sentiment":"neutral","sentiment_score":-0.08841984945942055,"channel":1,"num_words":55,"start":1091.8099,"end":1104.5651},{"sentences":[{"text":"So it is 400 away.","start":1104.5651,"end":1105.845,"sentiment":"neutral","sentiment_score":-0.12742149978876113},{"text":"Yeah.","start":1105.845,"end":1106.345,"sentiment":"neutral","sentiment_score":0.027988087385892868}],"sentiment":"neutral","sentiment_score":-0.10151990192631881,"channel":1,"num_words":6,"start":1104.5651,"end":1106.345},{"sentences":[{"text":"Yep.","start":1106.635,"end":1106.955,"sentiment":"neutral","sentiment_score":0.09635476768016817},{"text":"Perfect.","start":1106.955,"end":1107.355,"sentiment":"positive","sentiment_score":0.38297513127326965},{"text":"Perfect.","start":1107.355,"end":1107.755,"sentiment":"positive","sentiment_score":0.4072223901748657},{"text":"So the we'll put it in as, like, 26 currently.","start":1107.755,"end":1111.215,"sentiment":"neutral","sentiment_score":0.1296447478234768},{"text":"And then do you normally just do the form to claim them as a tax deduction before you do your tax return every year?","start":1111.755,"end":1117.8799,"sentiment":"neutral","sentiment_score":0.07910348948401709}],"sentiment":"neutral","sentiment_score":0.11031036526971572,"channel":0,"num_words":37,"start":1106.635,"end":1117.8799},{"sentences":[{"text":"I think you guys did it last year.","start":1117.99,"end":1119.67,"sentiment":"neutral","sentiment_score":0.053565545473247766},{"text":"So yeah.","start":1119.67,"end":1120.57,"sentiment":"neutral","sentiment_score":0.10909094661474228}],"sentiment":"neutral","sentiment_score":0.06467062570154666,"channel":1,"num_words":10,"start":1117.99,"end":1120.57},{"sentences":[{"text":"Yep.","start":1120.1799,"end":1120.6799,"sentiment":"neutral","sentiment_score":0.1715746372938156},{"text":"Perfect.","start":1121.0599,"end":1121.5599,"sentiment":"positive","sentiment_score":0.3672410249710083},{"text":"And I'll do a projection to show you what the 32 and a half does as well","start":1121.86,"end":1126.12,"sentiment":"neutral","sentiment_score":0.14242968795930638}],"sentiment":"neutral","sentiment_score":0.1557958082933175,"channel":0,"num_words":19,"start":1120.1799,"end":1126.12},{"sentences":[{"text":"Yep.","start":1126.6849,"end":1127.1849,"sentiment":"neutral","sentiment_score":0.10451045632362366}],"sentiment":"neutral","sentiment_score":0.10451045632362366,"channel":1,"num_words":1,"start":1126.6849,"end":1127.1849},{"sentences":[{"text":"just so you can see the difference between the two.","start":1127.22,"end":1129.8799,"sentiment":"neutral","sentiment_score":0.07067943066358566},{"text":"Got that, and we've got that.","start":1130.565,"end":1131.6849,"sentiment":"neutral","sentiment_score":0.1738125334183375},{"text":"Now in terms of balance, you've had a pretty pretty solid buy in from your contributions, which has been really good.","start":1131.6849,"end":1138.645,"sentiment":"positive","sentiment_score":0.5264988158430371},{"text":"I know you had a bit of a rough period in 2025, but the last twelve months is looking really good just in terms of balance going from that sort of 69 up to 88 and a half even with the market dropping.","start":1138.645,"end":1151.77,"sentiment":"neutral","sentiment_score":0.26360322075874304}],"sentiment":"neutral","sentiment_score":0.30176353915594517,"channel":0,"num_words":80,"start":1127.22,"end":1151.77},{"sentences":[{"text":"Yeah.","start":1152.165,"end":1152.405,"sentiment":"neutral","sentiment_score":0.18971750140190125},{"text":"Certainly did.","start":1152.405,"end":1153.545,"sentiment":"neutral","sentiment_score":0.29368048906326294}],"sentiment":"neutral","sentiment_score":0.259026159842809,"channel":1,"num_words":3,"start":1152.165,"end":1153.545},{"sentences":[{"text":"So that one's well, that's a bit of a the high growth roller coaster for you is a bit fun.","start":1154.07,"end":1159.2899,"sentiment":"positive","sentiment_score":0.5049073025584221}],"sentiment":"positive","sentiment_score":0.5049073025584221,"channel":0,"num_words":20,"start":1154.07,"end":1159.2899},{"sentences":[{"text":"Yeah.","start":1159.765,"end":1160.085,"sentiment":"neutral","sentiment_score":0.1907685548067093},{"text":"Well, I'm doing it with my share account.","start":1160.085,"end":1161.605,"sentiment":"neutral","sentiment_score":0.22278335317969322},{"text":"I was getting 40% when I was thinking I was a bloody genius.","start":1161.605,"end":1164.905,"sentiment":"neutral","sentiment_score":0.22961936547206},{"text":"I think I was Warren Buffett, but now I'm on 10%.","start":1165.81,"end":1168.61,"sentiment":"neutral","sentiment_score":0.17303870753808456},{"text":"So, anyway,","start":1168.61,"end":1169.49,"sentiment":"neutral","sentiment_score":0.15194958448410034}],"sentiment":"neutral","sentiment_score":0.20472605952194758,"channel":1,"num_words":35,"start":1159.765,"end":1169.49},{"sentences":[{"text":"Yep.","start":1169.485,"end":1169.985,"sentiment":"neutral","sentiment_score":0.1836455762386322}],"sentiment":"neutral","sentiment_score":0.1836455762386322,"channel":0,"num_words":1,"start":1169.485,"end":1169.985},{"sentences":[{"text":"I get it.","start":1169.49,"end":1170.31,"sentiment":"neutral","sentiment_score":0.16824069122473398}],"sentiment":"neutral","sentiment_score":0.16824069122473398,"channel":1,"num_words":3,"start":1169.49,"end":1170.31},{"sentences":[{"text":"What do they call that?","start":1170.765,"end":1171.725,"sentiment":"neutral","sentiment_score":0.06235158890485763},{"text":"The risk return trade off where when everything's going up, everyone's excited, and then they panic when it goes down.","start":1171.725,"end":1176.91,"sentiment":"neutral","sentiment_score":0.05457571167498827},{"text":"And then after a few of those, you become a bit more calm to it.","start":1176.91,"end":1180.05,"sentiment":"neutral","sentiment_score":0.1944311146934827}],"sentiment":"neutral","sentiment_score":0.10799347246065735,"channel":0,"num_words":40,"start":1170.765,"end":1180.05},{"sentences":[{"text":"Yeah.","start":1179.905,"end":1180.225,"sentiment":"neutral","sentiment_score":-0.07902354001998901},{"text":"I think","start":1180.225,"end":1180.625,"sentiment":"neutral","sentiment_score":-0.16581105440855026}],"sentiment":"neutral","sentiment_score":-0.1368818829456965,"channel":1,"num_words":3,"start":1179.905,"end":1180.625},{"sentences":[{"text":"But","start":1180.43,"end":1180.67,"sentiment":"neutral","sentiment_score":-0.20769333839416504}],"sentiment":"neutral","sentiment_score":-0.20769333839416504,"channel":0,"num_words":1,"start":1180.43,"end":1180.67},{"sentences":[{"text":"it's","start":1180.625,"end":1180.9451,"sentiment":"neutral","sentiment_score":-0.2657480835914612}],"sentiment":"neutral","sentiment_score":-0.2657480835914612,"channel":1,"num_words":1,"start":1180.625,"end":1180.9451},{"sentences":[{"text":"it","start":1180.67,"end":1181.17,"sentiment":"neutral","sentiment_score":-0.21228615939617157}],"sentiment":"neutral","sentiment_score":-0.21228615939617157,"channel":0,"num_words":1,"start":1180.67,"end":1181.17},{"sentences":[{"text":"it's called","start":1180.9451,"end":1181.265,"sentiment":"neutral","sentiment_score":-0.2926225811243057}],"sentiment":"neutral","sentiment_score":-0.2926225811243057,"channel":1,"num_words":2,"start":1180.9451,"end":1181.265},{"sentences":[{"text":"seems","start":1181.23,"end":1181.39,"sentiment":"neutral","sentiment_score":-0.29944607615470886}],"sentiment":"neutral","sentiment_score":-0.29944607615470886,"channel":0,"num_words":1,"start":1181.23,"end":1181.39},{"sentences":[{"text":"a shit","start":1181.265,"end":1181.665,"sentiment":"negative","sentiment_score":-0.4858570992946625}],"sentiment":"negative","sentiment_score":-0.4858570992946625,"channel":1,"num_words":2,"start":1181.265,"end":1181.665},{"sentences":[{"text":"like a","start":1181.39,"end":1181.71,"sentiment":"negative","sentiment_score":-0.5614756941795349}],"sentiment":"negative","sentiment_score":-0.5614756941795349,"channel":0,"num_words":2,"start":1181.39,"end":1181.71},{"sentences":[{"text":"sandwich,","start":1181.665,"end":1182.145,"sentiment":"negative","sentiment_score":-0.5048679113388062}],"sentiment":"negative","sentiment_score":-0.5048679113388062,"channel":1,"num_words":1,"start":1181.665,"end":1182.145},{"sentences":[{"text":"lot.","start":1181.71,"end":1182.21,"sentiment":"negative","sentiment_score":-0.33406227827072144}],"sentiment":"negative","sentiment_score":-0.33406227827072144,"channel":0,"num_words":1,"start":1181.71,"end":1182.21},{"sentences":[{"text":"actually, Tom.","start":1182.145,"end":1182.785,"sentiment":"neutral","sentiment_score":-0.05863507091999054},{"text":"But anyway, call it what you want.","start":1182.785,"end":1184.805,"sentiment":"neutral","sentiment_score":-0.035504557458417754}],"sentiment":"neutral","sentiment_score":-0.040644671560989484,"channel":1,"num_words":9,"start":1182.145,"end":1184.805},{"sentences":[{"text":"Yeah.","start":1184.51,"end":1184.83,"sentiment":"neutral","sentiment_score":-0.006208796054124832},{"text":"That's it.","start":1184.83,"end":1185.39,"sentiment":"neutral","sentiment_score":-0.008680599741637707},{"text":"That's the one that you're allowed to say, and I'm not on a record call, but I agree.","start":1185.39,"end":1189.09,"sentiment":"neutral","sentiment_score":-0.0020740188451276887},{"text":"One good thing, though, is all of the investment options are doing fantastic.","start":1191.8651,"end":1195.9651,"sentiment":"positive","sentiment_score":0.6842618538783147},{"text":"You've got battery tech and lithium up a 101%.","start":1196.025,"end":1199.0651,"sentiment":"positive","sentiment_score":0.541329973273807}],"sentiment":"neutral","sentiment_score":0.3187551517472711,"channel":0,"num_words":43,"start":1184.51,"end":1199.0651},{"sentences":[{"text":"Gold's up just under 20 international shares.","start":1199.0651,"end":1201.785,"sentiment":"positive","sentiment_score":0.4463136238711221},{"text":"So all overall, you still clear the 12% return after fees, which is","start":1201.785,"end":1206.0499,"sentiment":"neutral","sentiment_score":0.2770114094018936}],"sentiment":"positive","sentiment_score":0.3362671844661236,"channel":0,"num_words":20,"start":1199.0651,"end":1206.0499},{"sentences":[{"text":"Oh,","start":1205.975,"end":1206.0549,"sentiment":"neutral","sentiment_score":-0.07060114294290543}],"sentiment":"neutral","sentiment_score":-0.07060114294290543,"channel":1,"num_words":1,"start":1205.975,"end":1206.0549},{"sentences":[{"text":"above","start":1206.0499,"end":1206.37,"sentiment":"neutral","sentiment_score":-0.15299373865127563}],"sentiment":"neutral","sentiment_score":-0.15299373865127563,"channel":0,"num_words":1,"start":1206.0499,"end":1206.37},{"sentences":[{"text":"that's","start":1206.0549,"end":1206.455,"sentiment":"neutral","sentiment_score":-0.2167758196592331}],"sentiment":"neutral","sentiment_score":-0.2167758196592331,"channel":1,"num_words":1,"start":1206.0549,"end":1206.455},{"sentences":[{"text":"the","start":1206.37,"end":1206.5299,"sentiment":"neutral","sentiment_score":-0.2362869679927826}],"sentiment":"neutral","sentiment_score":-0.2362869679927826,"channel":0,"num_words":1,"start":1206.37,"end":1206.5299},{"sentences":[{"text":"bad.","start":1206.455,"end":1206.775,"sentiment":"neutral","sentiment_score":-0.18410107493400577}],"sentiment":"neutral","sentiment_score":-0.18410107493400577,"channel":1,"num_words":1,"start":1206.455,"end":1206.775},{"sentences":[{"text":"10 for","start":1206.5299,"end":1206.9299,"sentiment":"neutral","sentiment_score":0.01114536914974451}],"sentiment":"neutral","sentiment_score":0.01114536914974451,"channel":0,"num_words":2,"start":1206.5299,"end":1206.9299},{"sentences":[{"text":"Yeah.","start":1206.775,"end":1207.1749,"sentiment":"neutral","sentiment_score":0.0005930233746767044}],"sentiment":"neutral","sentiment_score":0.0005930233746767044,"channel":1,"num_words":1,"start":1206.775,"end":1207.1749},{"sentences":[{"text":"the benchmark.","start":1206.9299,"end":1207.59,"sentiment":"neutral","sentiment_score":0.014140002429485321}],"sentiment":"neutral","sentiment_score":0.014140002429485321,"channel":0,"num_words":2,"start":1206.9299,"end":1207.59},{"sentences":[{"text":"Because last time I heard it was 9%, and I was like, oh, jeez.","start":1207.1749,"end":1211.195,"sentiment":"neutral","sentiment_score":0.015891298718218292}],"sentiment":"neutral","sentiment_score":0.015891298718218292,"channel":1,"num_words":14,"start":1207.1749,"end":1211.195},{"sentences":[{"text":"Yeah.","start":1211.49,"end":1211.73,"sentiment":"neutral","sentiment_score":0.0613124780356884},{"text":"Look.","start":1211.73,"end":1211.97,"sentiment":"neutral","sentiment_score":0.06290382891893387},{"text":"Some years, you're even gonna be down 25, and then it'll go up 40, and that's just as long as you're in high growth, that's kind of the the roller","start":1211.97,"end":1219.085,"sentiment":"neutral","sentiment_score":0.038192081606636445}],"sentiment":"neutral","sentiment_score":0.03968683609855361,"channel":0,"num_words":32,"start":1211.49,"end":1219.085},{"sentences":[{"text":"Yep.","start":1218.95,"end":1219.45,"sentiment":"neutral","sentiment_score":0.08242650330066681}],"sentiment":"neutral","sentiment_score":0.08242650330066681,"channel":1,"num_words":1,"start":1218.95,"end":1219.45},{"sentences":[{"text":"coaster we do to","start":1219.085,"end":1220.045,"sentiment":"neutral","sentiment_score":0.07972732372581959}],"sentiment":"neutral","sentiment_score":0.07972732372581959,"channel":0,"num_words":4,"start":1219.085,"end":1220.045},{"sentences":[{"text":"Yep.","start":1219.99,"end":1220.49,"sentiment":"neutral","sentiment_score":0.07250836491584778}],"sentiment":"neutral","sentiment_score":0.07250836491584778,"channel":1,"num_words":1,"start":1219.99,"end":1220.49},{"sentences":[{"text":"average out for a decade, and then we reduce the risk down once it's built.","start":1220.045,"end":1223.905,"sentiment":"neutral","sentiment_score":0.052093647544582684}],"sentiment":"neutral","sentiment_score":0.052093647544582684,"channel":0,"num_words":15,"start":1220.045,"end":1223.905},{"sentences":[{"text":"Yep.","start":1223.51,"end":1223.75,"sentiment":"neutral","sentiment_score":0.0682234838604927},{"text":"Yeah.","start":1223.75,"end":1224.1499,"sentiment":"neutral","sentiment_score":0.11608442664146423},{"text":"That's cool.","start":1224.1499,"end":1224.97,"sentiment":"neutral","sentiment_score":0.23405145108699799}],"sentiment":"neutral","sentiment_score":0.16310270316898823,"channel":1,"num_words":4,"start":1223.51,"end":1224.97},{"sentences":[{"text":"There is one thing","start":1225.245,"end":1225.965,"sentiment":"neutral","sentiment_score":0.022641585674136877}],"sentiment":"neutral","sentiment_score":0.022641585674136877,"channel":0,"num_words":4,"start":1225.245,"end":1225.965},{"sentences":[{"text":"That's","start":1225.83,"end":1226.1499,"sentiment":"neutral","sentiment_score":0.0030090603977441788}],"sentiment":"neutral","sentiment_score":0.0030090603977441788,"channel":1,"num_words":1,"start":1225.83,"end":1226.1499},{"sentences":[{"text":"I'll","start":1225.965,"end":1226.205,"sentiment":"neutral","sentiment_score":-0.010065283626317978}],"sentiment":"neutral","sentiment_score":-0.010065283626317978,"channel":0,"num_words":1,"start":1225.965,"end":1226.205},{"sentences":[{"text":"fine.","start":1226.1499,"end":1226.6499,"sentiment":"neutral","sentiment_score":0.003089942038059234}],"sentiment":"neutral","sentiment_score":0.003089942038059234,"channel":1,"num_words":1,"start":1226.1499,"end":1226.6499},{"sentences":[{"text":"do, though, is sorry to interrupt you.","start":1226.205,"end":1228.685,"sentiment":"neutral","sentiment_score":-0.07029741683176585},{"text":"One investment","start":1228.685,"end":1229.425,"sentiment":"neutral","sentiment_score":-0.07018940895795822}],"sentiment":"neutral","sentiment_score":-0.07027341508203083,"channel":0,"num_words":9,"start":1226.205,"end":1229.425},{"sentences":[{"text":"Yep.","start":1229.205,"end":1229.705,"sentiment":"neutral","sentiment_score":-0.07043901085853577}],"sentiment":"neutral","sentiment_score":-0.07043901085853577,"channel":1,"num_words":1,"start":1229.205,"end":1229.705},{"sentences":[{"text":"option is kind of it's not doing too well, the Australian shares.","start":1229.485,"end":1233.7899,"sentiment":"neutral","sentiment_score":-0.09494342220326264},{"text":"It's, from what I can see, down 16.","start":1235.37,"end":1238.11,"sentiment":"neutral","sentiment_score":-0.02261052909307182},{"text":"The rest of the portfolio is looking really good.","start":1239.85,"end":1241.95,"sentiment":"neutral","sentiment_score":0.19890795316961077},{"text":"So if I'm gonna be updating the insurances, I may just replace that option just to get a bit of an engine tune up going.","start":1242.09,"end":1249.875,"sentiment":"neutral","sentiment_score":-0.016989007648080586}],"sentiment":"neutral","sentiment_score":0.0008377979285325165,"channel":0,"num_words":54,"start":1229.485,"end":1249.875},{"sentences":[{"text":"Yeah.","start":1250.1901,"end":1250.51,"sentiment":"neutral","sentiment_score":0.010791003704071043},{"text":"Because that's what I've that's all I do every day is just listen to podcast about it.","start":1250.51,"end":1255.79,"sentiment":"neutral","sentiment_score":0.03673668813836925},{"text":"And apparently, yeah, this trial is pretty pretty short at the moment.","start":1255.79,"end":1260.3501,"sentiment":"neutral","sentiment_score":-0.04854343148569266},{"text":"So","start":1260.3501,"end":1260.645,"sentiment":"neutral","sentiment_score":0.022495057433843613}],"sentiment":"neutral","sentiment_score":0.0024286639245767747,"channel":1,"num_words":31,"start":1250.1901,"end":1260.645},{"sentences":[{"text":"Yeah.","start":1260.59,"end":1260.91,"sentiment":"neutral","sentiment_score":0.03331927955150604},{"text":"And it's one of those things where this option's going down a bit further than the other ones, and I wanna kind of just bring that back in line a little bit.","start":1260.91,"end":1268.13,"sentiment":"neutral","sentiment_score":0.04875191091559827}],"sentiment":"neutral","sentiment_score":0.04828425541971669,"channel":0,"num_words":33,"start":1260.59,"end":1268.13},{"sentences":[{"text":"yep.","start":1268.1675,"end":1268.6675,"sentiment":"neutral","sentiment_score":0.02221415564417839}],"sentiment":"neutral","sentiment_score":0.02221415564417839,"channel":1,"num_words":1,"start":1268.1675,"end":1268.6675},{"sentences":[{"text":"Do you have a bit of a preference between that kind of low fee, passive style versus the higher fee, try and beat the market, get a higher return style?","start":1269.07,"end":1277.425,"sentiment":"neutral","sentiment_score":0.017950676071147125},{"text":"Do you have a preference?","start":1277.425,"end":1278.405,"sentiment":"neutral","sentiment_score":0.031614577025175096}],"sentiment":"neutral","sentiment_score":0.019902661921722548,"channel":0,"num_words":35,"start":1269.07,"end":1278.405},{"sentences":[{"text":"What gets the best result really, to be honest, Tom?","start":1281.2899,"end":1283.9299,"sentiment":"neutral","sentiment_score":0.21886314153671266},{"text":"Like, it's sort of I know I have yeah.","start":1283.9299,"end":1286.8099,"sentiment":"neutral","sentiment_score":0.004198780761928194},{"text":"Like you say, I reckon I have ten years to make it happen.","start":1286.8099,"end":1289.85,"sentiment":"neutral","sentiment_score":0.06162874285991375},{"text":"So whatever's gonna work, I mean, obviously, when I get closer to 60, I don't want too much of the risk.","start":1289.85,"end":1296.235,"sentiment":"neutral","sentiment_score":-0.15864528427343993},{"text":"But at the moment, I have to kinda throw caution in a little bit.","start":1296.235,"end":1300.2549,"sentiment":"neutral","sentiment_score":-0.261952457683427}],"sentiment":"neutral","sentiment_score":-0.059273004147863545,"channel":1,"num_words":67,"start":1281.2899,"end":1300.2549},{"sentences":[{"text":"Yeah.","start":1300.745,"end":1301.0651,"sentiment":"neutral","sentiment_score":0.04556144028902054},{"text":"Well, one of the little improvements I can do is, like, you're in this blended style at the moment where most of them are low fee ETFs, and then that one managed funds, the","start":1301.0651,"end":1309.865,"sentiment":"neutral","sentiment_score":0.2187536722596954}],"sentiment":"neutral","sentiment_score":0.21380532277481898,"channel":0,"num_words":35,"start":1300.745,"end":1309.865},{"sentences":[{"text":"Yeah.","start":1309.82,"end":1310.32,"sentiment":"neutral","sentiment_score":0.18262431025505063}],"sentiment":"neutral","sentiment_score":0.18262431025505063,"channel":1,"num_words":1,"start":1309.82,"end":1310.32},{"sentences":[{"text":"active portion hasn't been doing its thing.","start":1309.865,"end":1312.685,"sentiment":"neutral","sentiment_score":0.1255693712404796},{"text":"But there's we've got really good alternatives across all the different styles.","start":1312.87,"end":1316.89,"sentiment":"positive","sentiment_score":0.38706308727463085},{"text":"And Hub's","start":1317.0299,"end":1317.6699,"sentiment":"positive","sentiment_score":0.4242611825466156}],"sentiment":"neutral","sentiment_score":0.30344119100343614,"channel":0,"num_words":21,"start":1309.865,"end":1317.6699},{"sentences":[{"text":"Yep.","start":1317.66,"end":1318.16,"sentiment":"positive","sentiment_score":0.45838508009910583}],"sentiment":"positive","sentiment_score":0.45838508009910583,"channel":1,"num_words":1,"start":1317.66,"end":1318.16},{"sentences":[{"text":"got the most investment options in the country, so I can pick a really good one, get the","start":1317.6699,"end":1321.27,"sentiment":"positive","sentiment_score":0.4776314165857103}],"sentiment":"positive","sentiment_score":0.4776314165857103,"channel":0,"num_words":18,"start":1317.6699,"end":1321.27},{"sentences":[{"text":"Yep.","start":1321.255,"end":1321.755,"sentiment":"positive","sentiment_score":0.425316870212555}],"sentiment":"positive","sentiment_score":0.425316870212555,"channel":1,"num_words":1,"start":1321.255,"end":1321.755},{"sentences":[{"text":"fees down a bit, and it's done better, you know, short term, medium term, long term.","start":1321.27,"end":1325.9299,"sentiment":"positive","sentiment_score":0.45214552991092205}],"sentiment":"positive","sentiment_score":0.45214552991092205,"channel":0,"num_words":16,"start":1321.27,"end":1325.9299},{"sentences":[{"text":"Yep.","start":1326.135,"end":1326.635,"sentiment":"neutral","sentiment_score":0.27478569746017456}],"sentiment":"neutral","sentiment_score":0.27478569746017456,"channel":1,"num_words":1,"start":1326.135,"end":1326.635},{"sentences":[{"text":"And I can do a bit of a little switcheroo.","start":1326.225,"end":1328.965,"sentiment":"neutral","sentiment_score":0.2784507632255554}],"sentiment":"neutral","sentiment_score":0.2784507632255554,"channel":0,"num_words":10,"start":1326.225,"end":1328.965},{"sentences":[{"text":"Yep.","start":1329.735,"end":1330.235,"sentiment":"neutral","sentiment_score":0.16358953714370728},{"text":"And what I've noticed as well, it doesn't seem I don't know the total amount which is invested at the moment.","start":1330.4551,"end":1338.13,"sentiment":"neutral","sentiment_score":-0.013232047713938214},{"text":"I'm only seeing occasional buyers and of low amounts.","start":1338.19,"end":1342.0499,"sentiment":"neutral","sentiment_score":-0.03336863571570979},{"text":"I just wanna make","start":1342.6699,"end":1343.47,"sentiment":"neutral","sentiment_score":0.009656523820012808}],"sentiment":"neutral","sentiment_score":-0.01074214545743806,"channel":1,"num_words":35,"start":1329.735,"end":1343.47},{"sentences":[{"text":"Yes.","start":1343.36,"end":1343.86,"sentiment":"neutral","sentiment_score":0.034691374748945236}],"sentiment":"neutral","sentiment_score":0.034691374748945236,"channel":0,"num_words":1,"start":1343.36,"end":1343.86},{"sentences":[{"text":"sure yeah.","start":1343.47,"end":1344.27,"sentiment":"neutral","sentiment_score":0.04008478857576847},{"text":"I just wanna make sure that we're investing everything because I don't wanna sit in cash for I don't know those figures at all.","start":1344.27,"end":1352.995,"sentiment":"neutral","sentiment_score":-0.06075924215838313},{"text":"So I'm just hoping that, you know, it's all invested and not just half of it sitting in cash because defeats the","start":1352.995,"end":1363.164,"sentiment":"neutral","sentiment_score":-0.03291101529347626}],"sentiment":"neutral","sentiment_score":-0.0437936368980445,"channel":1,"num_words":48,"start":1343.47,"end":1363.164},{"sentences":[{"text":"Yeah.","start":1362.8301,"end":1363.15,"sentiment":"neutral","sentiment_score":-0.003494584932923317},{"text":"So when I'm looking at your account,","start":1363.15,"end":1365.0901,"sentiment":"neutral","sentiment_score":0.018544175129915987}],"sentiment":"neutral","sentiment_score":0.015789330122061074,"channel":0,"num_words":8,"start":1362.8301,"end":1365.0901},{"sentences":[{"text":"whole","start":1364.968,"end":1365.468,"sentiment":"neutral","sentiment_score":0.02796948328614235}],"sentiment":"neutral","sentiment_score":0.02796948328614235,"channel":1,"num_words":1,"start":1364.968,"end":1365.468},{"sentences":[{"text":"Hub's got their one","start":1365.23,"end":1367.39,"sentiment":"neutral","sentiment_score":0.053302147425711155}],"sentiment":"neutral","sentiment_score":0.053302147425711155,"channel":0,"num_words":4,"start":1365.23,"end":1367.39},{"sentences":[{"text":"purpose","start":1367.272,"end":1367.772,"sentiment":"neutral","sentiment_score":0.047068603336811066}],"sentiment":"neutral","sentiment_score":0.047068603336811066,"channel":1,"num_words":1,"start":1367.272,"end":1367.772},{"sentences":[{"text":"point 25% minimum cash Hub","start":1367.39,"end":1369.79,"sentiment":"neutral","sentiment_score":0.032015950232744214}],"sentiment":"neutral","sentiment_score":0.032015950232744214,"channel":0,"num_words":5,"start":1367.39,"end":1369.79},{"sentences":[{"text":"design.","start":1369.576,"end":1370.076,"sentiment":"neutral","sentiment_score":0.022311927750706673}],"sentiment":"neutral","sentiment_score":0.022311927750706673,"channel":1,"num_words":1,"start":1369.576,"end":1370.076},{"sentences":[{"text":"balance for the bank account.","start":1369.79,"end":1371.41,"sentiment":"neutral","sentiment_score":0.015468723699450493},{"text":"But outside","start":1371.47,"end":1372.11,"sentiment":"neutral","sentiment_score":-0.0010925186797976494}],"sentiment":"neutral","sentiment_score":0.010736940162522452,"channel":0,"num_words":7,"start":1369.79,"end":1372.11},{"sentences":[{"text":"Yeah.","start":1371.88,"end":1372.38,"sentiment":"neutral","sentiment_score":0.01538524217903614}],"sentiment":"neutral","sentiment_score":0.01538524217903614,"channel":1,"num_words":1,"start":1371.88,"end":1372.38},{"sentences":[{"text":"of that, everything's invested.","start":1372.11,"end":1373.47,"sentiment":"neutral","sentiment_score":0.012858388014137745},{"text":"So there's, like, 18","start":1373.47,"end":1374.35,"sentiment":"neutral","sentiment_score":0.018986358772963285}],"sentiment":"neutral","sentiment_score":0.015922373393550515,"channel":0,"num_words":8,"start":1372.11,"end":1374.35},{"sentences":[{"text":"That's","start":1374.0399,"end":1374.5399,"sentiment":"neutral","sentiment_score":0.007867436856031418}],"sentiment":"neutral","sentiment_score":0.007867436856031418,"channel":1,"num_words":1,"start":1374.0399,"end":1374.5399},{"sentences":[{"text":"$100 sitting there ready to","start":1374.35,"end":1376.27,"sentiment":"neutral","sentiment_score":0.024301987886428834}],"sentiment":"neutral","sentiment_score":0.024301987886428834,"channel":0,"num_words":5,"start":1374.35,"end":1376.27},{"sentences":[{"text":"That's","start":1376.265,"end":1376.765,"sentiment":"neutral","sentiment_score":0.07561749219894409}],"sentiment":"neutral","sentiment_score":0.07561749219894409,"channel":1,"num_words":1,"start":1376.265,"end":1376.765},{"sentences":[{"text":"clear.","start":1376.27,"end":1376.77,"sentiment":"neutral","sentiment_score":0.10159142315387726},{"text":"Those little buys you see, you know, contributions come in, buys","start":1377.505,"end":1381.1849,"sentiment":"neutral","sentiment_score":0.11423526568846269}],"sentiment":"neutral","sentiment_score":0.11318161214391391,"channel":0,"num_words":12,"start":1376.27,"end":1381.1849},{"sentences":[{"text":"Yep.","start":1381.145,"end":1381.645,"sentiment":"neutral","sentiment_score":0.1197204515337944}],"sentiment":"neutral","sentiment_score":0.1197204515337944,"channel":1,"num_words":1,"start":1381.145,"end":1381.645},{"sentences":[{"text":"into the market with a dollar","start":1381.1849,"end":1382.785,"sentiment":"neutral","sentiment_score":0.1402996430794398}],"sentiment":"neutral","sentiment_score":0.1402996430794398,"channel":0,"num_words":6,"start":1381.1849,"end":1382.785},{"sentences":[{"text":"Yep.","start":1382.585,"end":1383.085,"sentiment":"neutral","sentiment_score":0.08491569757461548}],"sentiment":"neutral","sentiment_score":0.08491569757461548,"channel":1,"num_words":1,"start":1382.585,"end":1383.085},{"sentences":[{"text":"cost averaging.","start":1382.785,"end":1383.525,"sentiment":"neutral","sentiment_score":0.10094687342643738}],"sentiment":"neutral","sentiment_score":0.10094687342643738,"channel":0,"num_words":2,"start":1382.785,"end":1383.525},{"sentences":[{"text":"Yep.","start":1384.025,"end":1384.3451,"sentiment":"neutral","sentiment_score":0.1733158677816391},{"text":"That's fine.","start":1384.3451,"end":1385.405,"sentiment":"neutral","sentiment_score":0.29895395040512085}],"sentiment":"neutral","sentiment_score":0.25707458953062695,"channel":1,"num_words":3,"start":1384.025,"end":1385.405},{"sentences":[{"text":"Okay.","start":1385.985,"end":1386.3049,"sentiment":"neutral","sentiment_score":0.15634280443191528},{"text":"So I could update that one option there.","start":1386.3049,"end":1389.105,"sentiment":"neutral","sentiment_score":0.09495139680802822},{"text":"Now just bear on because you are in that high growth, you're kind of that 90% growth assets, shares, property, gold, you still got just shy of about 6% sitting sitting in fixed interest, which is a small portion in the","start":1389.105,"end":1407.225,"sentiment":"neutral","sentiment_score":0.04680539649434206}],"sentiment":"neutral","sentiment_score":0.05669950470328331,"channel":0,"num_words":50,"start":1385.985,"end":1407.225},{"sentences":[{"text":"Yeah.","start":1407.125,"end":1407.625,"sentiment":"neutral","sentiment_score":0.03233303874731064}],"sentiment":"neutral","sentiment_score":0.03233303874731064,"channel":1,"num_words":1,"start":1407.125,"end":1407.625},{"sentences":[{"text":"lower risk, you know, earns","start":1407.225,"end":1408.665,"sentiment":"neutral","sentiment_score":0.0267475388944149}],"sentiment":"neutral","sentiment_score":0.0267475388944149,"channel":0,"num_words":5,"start":1407.225,"end":1408.665},{"sentences":[{"text":"Yeah.","start":1408.485,"end":1408.985,"sentiment":"neutral","sentiment_score":0.054158858954906464}],"sentiment":"neutral","sentiment_score":0.054158858954906464,"channel":1,"num_words":1,"start":1408.485,"end":1408.985},{"sentences":[{"text":"four to 5% safe return.","start":1408.665,"end":1410.445,"sentiment":"neutral","sentiment_score":0.09122549146413803},{"text":"Look.","start":1411.865,"end":1412.345,"sentiment":"positive","sentiment_score":0.5020978450775146},{"text":"The high growth's long term, fantastic.","start":1412.345,"end":1414.845,"sentiment":"positive","sentiment_score":0.6993024746576945},{"text":"I'm just letting you know that there's a small portion that's in a little bit lower risk.","start":1415.385,"end":1418.745,"sentiment":"neutral","sentiment_score":0.32595622276558595},{"text":"It's not cash, but it's the one above cash.","start":1418.745,"end":1421.005,"sentiment":"neutral","sentiment_score":0.2164603297909101}],"sentiment":"neutral","sentiment_score":0.33272207645993485,"channel":0,"num_words":38,"start":1408.665,"end":1421.005},{"sentences":[{"text":"That's cool.","start":1421.2,"end":1421.92,"sentiment":"positive","sentiment_score":0.7564441561698914},{"text":"I get that.","start":1421.92,"end":1422.82,"sentiment":"positive","sentiment_score":0.6356886029243469}],"sentiment":"positive","sentiment_score":0.6839908242225647,"channel":1,"num_words":5,"start":1421.2,"end":1422.82},{"sentences":[{"text":"Cool.","start":1423.6001,"end":1424.1001,"sentiment":"positive","sentiment_score":0.6611586809158325},{"text":"Alrighty.","start":1424.48,"end":1424.98,"sentiment":"positive","sentiment_score":0.4532710313796997},{"text":"So game plan from here is pretty much just go through your your settlement and everything as you do.","start":1425.92,"end":1431.86,"sentiment":"neutral","sentiment_score":0.214249807753061},{"text":"We will get the life and TPD insurances trimmed down, portfolio tuned up, and then I'll kind of run through that with you in an updated advice document.","start":1432.0801,"end":1441.765,"sentiment":"neutral","sentiment_score":0.17833913809486798},{"text":"And you can kind","start":1441.985,"end":1442.705,"sentiment":"neutral","sentiment_score":0.1704806238412857}],"sentiment":"neutral","sentiment_score":0.20491687587971957,"channel":0,"num_words":53,"start":1423.6001,"end":1442.705},{"sentences":[{"text":"Yep.","start":1442.685,"end":1443.185,"sentiment":"neutral","sentiment_score":0.2089364528656006}],"sentiment":"neutral","sentiment_score":0.2089364528656006,"channel":1,"num_words":1,"start":1442.685,"end":1443.185},{"sentences":[{"text":"of say what I'm proposing, make sure you're happy.","start":1442.705,"end":1444.785,"sentiment":"neutral","sentiment_score":0.23292205234368643},{"text":"I'll do the switches, and then we'll come back around for the income protection and further contribution strategies.","start":1444.785,"end":1453.6399,"sentiment":"neutral","sentiment_score":0.12875206602944267}],"sentiment":"neutral","sentiment_score":0.16347539480085727,"channel":0,"num_words":27,"start":1442.705,"end":1453.6399},{"sentences":[{"text":"Okay.","start":1454.5,"end":1455.0,"sentiment":"neutral","sentiment_score":0.3000635504722595},{"text":"Cool.","start":1455.06,"end":1455.56,"sentiment":"positive","sentiment_score":0.4747726023197174},{"text":"That sounds good.","start":1455.62,"end":1456.6001,"sentiment":"positive","sentiment_score":0.5388137102127075}],"sentiment":"positive","sentiment_score":0.4782554566860199,"channel":1,"num_words":5,"start":1454.5,"end":1456.6001},{"sentences":[{"text":"Yep.","start":1456.6599,"end":1457.0599,"sentiment":"neutral","sentiment_score":0.2003515064716339},{"text":"I will include the 32 and a half just so you can see it as well.","start":1457.0599,"end":1460.835,"sentiment":"neutral","sentiment_score":0.11106553301215172}],"sentiment":"neutral","sentiment_score":0.11631764909800361,"channel":0,"num_words":17,"start":1456.6599,"end":1460.835},{"sentences":[{"text":"Yeah.","start":1460.98,"end":1461.48,"sentiment":"neutral","sentiment_score":0.060683269053697586},{"text":"Is that you know, I know you can't give me exact here, but does it look good from that perspective of what we're talking about?","start":1461.54,"end":1470.645,"sentiment":"neutral","sentiment_score":0.01359528623521328},{"text":"So that mill?","start":1470.645,"end":1471.5449,"sentiment":"neutral","sentiment_score":-0.017078479441503685}],"sentiment":"neutral","sentiment_score":0.012045861607224777,"channel":1,"num_words":29,"start":1460.98,"end":1471.5449},{"sentences":[{"text":"Let me have a look.","start":1472.4349,"end":1474.2949,"sentiment":"neutral","sentiment_score":-0.005190714448690415},{"text":"I'm gonna do a very, very rough on the phone","start":1474.68,"end":1477.0801,"sentiment":"neutral","sentiment_score":-0.00008095733355730771}],"sentiment":"neutral","sentiment_score":-0.0017842097052683432,"channel":0,"num_words":15,"start":1472.4349,"end":1477.0801},{"sentences":[{"text":"Yeah.","start":1476.965,"end":1477.205,"sentiment":"neutral","sentiment_score":0.01688494347035885}],"sentiment":"neutral","sentiment_score":0.01688494347035885,"channel":1,"num_words":1,"start":1476.965,"end":1477.205},{"sentences":[{"text":"projection","start":1477.0801,"end":1477.4801,"sentiment":"neutral","sentiment_score":0.006190251559019089}],"sentiment":"neutral","sentiment_score":0.006190251559019089,"channel":0,"num_words":1,"start":1477.0801,"end":1477.4801},{"sentences":[{"text":"Yeah.","start":1477.205,"end":1477.525,"sentiment":"neutral","sentiment_score":0.03168698772788048}],"sentiment":"neutral","sentiment_score":0.03168698772788048,"channel":1,"num_words":1,"start":1477.205,"end":1477.525},{"sentences":[{"text":"here.","start":1477.4801,"end":1477.9801,"sentiment":"neutral","sentiment_score":0.03274909779429436}],"sentiment":"neutral","sentiment_score":0.03274909779429436,"channel":0,"num_words":1,"start":1477.4801,"end":1477.9801},{"sentences":[{"text":"I get it.","start":1477.525,"end":1478.31,"sentiment":"neutral","sentiment_score":0.045305684208869934}],"sentiment":"neutral","sentiment_score":0.045305684208869934,"channel":1,"num_words":3,"start":1477.525,"end":1478.31},{"sentences":[{"text":"Just let me plug in a few figures.","start":1479.0,"end":1480.78,"sentiment":"neutral","sentiment_score":0.015119813848286867},{"text":"Just while I'm updating this projection here, I do have to ask you one more sort of personal question, and","start":1481.0,"end":1485.4,"sentiment":"neutral","sentiment_score":0.0018980124965310096}],"sentiment":"neutral","sentiment_score":0.0056756700256041116,"channel":0,"num_words":28,"start":1479.0,"end":1485.4},{"sentences":[{"text":"Yep.","start":1485.3501,"end":1485.8501,"sentiment":"neutral","sentiment_score":0.02916768752038479}],"sentiment":"neutral","sentiment_score":0.02916768752038479,"channel":1,"num_words":1,"start":1485.3501,"end":1485.8501},{"sentences":[{"text":"it's just around the estate planning in terms of beneficiary nominations, whether you wanted to still leave them as is or if you had someone else that you wanted to now switch for the","start":1485.4,"end":1495.535,"sentiment":"neutral","sentiment_score":0.011984816533239448}],"sentiment":"neutral","sentiment_score":0.011984816533239448,"channel":0,"num_words":34,"start":1485.4,"end":1495.535},{"sentences":[{"text":"No.","start":1495.485,"end":1495.805,"sentiment":"neutral","sentiment_score":-0.03951888158917427}],"sentiment":"neutral","sentiment_score":-0.03951888158917427,"channel":1,"num_words":1,"start":1495.485,"end":1495.805},{"sentences":[{"text":"nomination.","start":1495.535,"end":1496.035,"sentiment":"neutral","sentiment_score":-0.04391200467944145}],"sentiment":"neutral","sentiment_score":-0.04391200467944145,"channel":0,"num_words":1,"start":1495.535,"end":1496.035},{"sentences":[{"text":"I mean, it would be the kids that I'd want it to go to.","start":1495.805,"end":1501.105,"sentiment":"neutral","sentiment_score":0.08268515712448529},{"text":"You know, I suppose that's the norm thing to do in this case.","start":1502.8451,"end":1509.0851,"sentiment":"neutral","sentiment_score":0.029088745466791667},{"text":"So but I maybe we'd look at that sort of down the track a bit more when everything's, you know, finalized.","start":1509.0851,"end":1516.56,"sentiment":"neutral","sentiment_score":0.033278503943057286}],"sentiment":"neutral","sentiment_score":0.04655405153365185,"channel":1,"num_words":48,"start":1495.805,"end":1516.56},{"sentences":[{"text":"Yep.","start":1517.325,"end":1517.725,"sentiment":"neutral","sentiment_score":0.30399227142333984},{"text":"In next meeting as well.","start":1517.725,"end":1518.9249,"sentiment":"neutral","sentiment_score":0.27495260536670685},{"text":"That's cool.","start":1518.9249,"end":1519.6649,"sentiment":"positive","sentiment_score":0.795466810464859},{"text":"I'm just putting in here the 500 a week to start with, and","start":1520.125,"end":1523.565,"sentiment":"neutral","sentiment_score":0.3036046360547726}],"sentiment":"positive","sentiment_score":0.34364519942374455,"channel":0,"num_words":21,"start":1517.325,"end":1523.565},{"sentences":[{"text":"Yep.","start":1523.5349,"end":1524.0349,"sentiment":"neutral","sentiment_score":0.213791161775589}],"sentiment":"neutral","sentiment_score":0.213791161775589,"channel":1,"num_words":1,"start":1523.5349,"end":1524.0349},{"sentences":[{"text":"then anything that goes in super, obviously, there's the the 15% that comes off of it.","start":1523.565,"end":1528.39,"sentiment":"neutral","sentiment_score":0.14273741375654936},{"text":"So I'm just gonna work that off, get you a bit more of a conservative projection here, and I'll work my way up.","start":1528.39,"end":1534.63,"sentiment":"positive","sentiment_score":0.3452335932980413},{"text":"So in terms of retirement, are we still just hitting, like, a nice normal kind of age 65,","start":1534.63,"end":1540.71,"sentiment":"neutral","sentiment_score":0.03408911617265807}],"sentiment":"neutral","sentiment_score":0.19013640977311552,"channel":0,"num_words":57,"start":1523.565,"end":1540.71},{"sentences":[{"text":"Yeah.","start":1540.4299,"end":1540.9299,"sentiment":"neutral","sentiment_score":0.011402172036468984}],"sentiment":"neutral","sentiment_score":0.011402172036468984,"channel":1,"num_words":1,"start":1540.4299,"end":1540.9299},{"sentences":[{"text":"67?","start":1540.71,"end":1541.61,"sentiment":"neutral","sentiment_score":0.00484510650858283}],"sentiment":"neutral","sentiment_score":0.00484510650858283,"channel":0,"num_words":1,"start":1540.71,"end":1541.61},{"sentences":[{"text":"Look, hoping to be sort of 62, to be honest, but, yeah, we'll see.","start":1542.4299,"end":1546.61,"sentiment":"neutral","sentiment_score":0.015884316393307278}],"sentiment":"neutral","sentiment_score":0.015884316393307278,"channel":1,"num_words":14,"start":1542.4299,"end":1546.61},{"sentences":[{"text":"Okay.","start":1548.305,"end":1548.805,"sentiment":"neutral","sentiment_score":0.0950452834367752},{"text":"This alright.","start":1549.265,"end":1550.725,"sentiment":"neutral","sentiment_score":0.12205095589160919},{"text":"This is incumbent on you getting a nice high growth return for quite a while and that level of contributions for quite a while, but I'll give you a few rough figures here.","start":1550.865,"end":1561.18,"sentiment":"neutral","sentiment_score":0.16347614438696342},{"text":"So let's say we do $4.25 a week after tax.","start":1561.3201,"end":1565.02,"sentiment":"neutral","sentiment_score":0.07867714539170265},{"text":"That's","start":1565.64,"end":1565.9601,"sentiment":"neutral","sentiment_score":0.0962713211774826}],"sentiment":"neutral","sentiment_score":0.1407851645762616,"channel":0,"num_words":47,"start":1548.305,"end":1565.9601},{"sentences":[{"text":"Yep.","start":1565.73,"end":1566.23,"sentiment":"neutral","sentiment_score":0.09953108429908752}],"sentiment":"neutral","sentiment_score":0.09953108429908752,"channel":1,"num_words":1,"start":1565.73,"end":1566.23},{"sentences":[{"text":"your your contributions currently.","start":1565.9601,"end":1567.8201,"sentiment":"neutral","sentiment_score":0.1218962911516428}],"sentiment":"neutral","sentiment_score":0.1218962911516428,"channel":0,"num_words":4,"start":1565.9601,"end":1567.8201},{"sentences":[{"text":"Yep.","start":1568.37,"end":1568.87,"sentiment":"neutral","sentiment_score":0.1450705528259277}],"sentiment":"neutral","sentiment_score":0.1450705528259277,"channel":1,"num_words":1,"start":1568.37,"end":1568.87},{"sentences":[{"text":"10% benchmark return for high growth.","start":1568.775,"end":1571.255,"sentiment":"neutral","sentiment_score":0.20939123878876367},{"text":"You're kind of just getting shy.","start":1571.255,"end":1573.175,"sentiment":"neutral","sentiment_score":-0.10865916808446248},{"text":"You're just hitting a million dollars","start":1573.175,"end":1575.035,"sentiment":"neutral","sentiment_score":0.014590068409840265}],"sentiment":"neutral","sentiment_score":0.03844071303804716,"channel":0,"num_words":18,"start":1568.775,"end":1575.035},{"sentences":[{"text":"Okay.","start":1574.6151,"end":1575.1151,"sentiment":"neutral","sentiment_score":-0.013104869052767754}],"sentiment":"neutral","sentiment_score":-0.013104869052767754,"channel":1,"num_words":1,"start":1574.6151,"end":1575.1151},{"sentences":[{"text":"at 65.","start":1575.175,"end":1576.3151,"sentiment":"neutral","sentiment_score":-0.017443093471229076},{"text":"But that doesn't take into account a slight risk reduction in those last few years.","start":1576.535,"end":1581.655,"sentiment":"neutral","sentiment_score":-0.09602436497807502},{"text":"So call it $85,900,000","start":1581.655,"end":1584.27,"sentiment":"neutral","sentiment_score":0.06285231746733189}],"sentiment":"neutral","sentiment_score":-0.05827820913067886,"channel":0,"num_words":21,"start":1575.175,"end":1584.27},{"sentences":[{"text":"Yeah.","start":1584.6151,"end":1585.015,"sentiment":"neutral","sentiment_score":0.053291548043489456}],"sentiment":"neutral","sentiment_score":0.053291548043489456,"channel":1,"num_words":1,"start":1584.6151,"end":1585.015},{"sentences":[{"text":"just based","start":1584.75,"end":1585.49,"sentiment":"neutral","sentiment_score":0.02710785251110792}],"sentiment":"neutral","sentiment_score":0.02710785251110792,"channel":0,"num_words":2,"start":1584.75,"end":1585.49},{"sentences":[{"text":"And then so there's","start":1585.015,"end":1586.2151,"sentiment":"neutral","sentiment_score":0.020669732009992003}],"sentiment":"neutral","sentiment_score":0.020669732009992003,"channel":1,"num_words":4,"start":1585.015,"end":1586.2151},{"sentences":[{"text":"on benchmark.","start":1585.9501,"end":1586.7001,"sentiment":"neutral","sentiment_score":0.013711906038224697}],"sentiment":"neutral","sentiment_score":0.013711906038224697,"channel":0,"num_words":2,"start":1585.9501,"end":1586.7001},{"sentences":[{"text":"a 100 is that including the 100 thousands, like, maybe that comes in with the setup well, the the boss, I suppose, is the way to say it.","start":1586.2151,"end":1596.81,"sentiment":"neutral","sentiment_score":0.04509485073919807},{"text":"But","start":1596.81,"end":1597.31,"sentiment":"neutral","sentiment_score":0.039817389100790024}],"sentiment":"neutral","sentiment_score":0.0449128693033909,"channel":1,"num_words":29,"start":1586.2151,"end":1597.31},{"sentences":[{"text":"Yeah.","start":1596.8451,"end":1597.3451,"sentiment":"neutral","sentiment_score":0.043206047266721725},{"text":"If","start":1597.805,"end":1598.125,"sentiment":"neutral","sentiment_score":0.04746090620756149}],"sentiment":"neutral","sentiment_score":0.04533347673714161,"channel":0,"num_words":2,"start":1596.8451,"end":1598.125},{"sentences":[{"text":"yeah.","start":1597.85,"end":1598.35,"sentiment":"neutral","sentiment_score":0.047830596566200256}],"sentiment":"neutral","sentiment_score":0.047830596566200256,"channel":1,"num_words":1,"start":1597.85,"end":1598.35},{"sentences":[{"text":"I add that in, a $188.05, that impacts things by another 2 to 400,000.","start":1598.125,"end":1608.7051,"sentiment":"neutral","sentiment_score":0.08486663230827876},{"text":"So that","start":1609.03,"end":1609.75,"sentiment":"neutral","sentiment_score":0.20903857052326202}],"sentiment":"neutral","sentiment_score":0.10038812458515167,"channel":0,"num_words":16,"start":1598.125,"end":1609.75},{"sentences":[{"text":"Yep.","start":1609.305,"end":1609.805,"sentiment":"neutral","sentiment_score":0.2380438446998596}],"sentiment":"neutral","sentiment_score":0.2380438446998596,"channel":1,"num_words":1,"start":1609.305,"end":1609.805},{"sentences":[{"text":"pretty much guarantees based on benchmark return, your contribution level, and a 188,000 balance that","start":1609.75,"end":1617.75,"sentiment":"neutral","sentiment_score":0.27621412873268125}],"sentiment":"neutral","sentiment_score":0.27621412873268125,"channel":0,"num_words":15,"start":1609.75,"end":1617.75},{"sentences":[{"text":"Yep.","start":1617.465,"end":1617.965,"sentiment":"neutral","sentiment_score":0.22683143615722656}],"sentiment":"neutral","sentiment_score":0.22683143615722656,"channel":1,"num_words":1,"start":1617.465,"end":1617.965},{"sentences":[{"text":"you will clear that mark.","start":1617.75,"end":1619.37,"sentiment":"neutral","sentiment_score":0.29014346599578855}],"sentiment":"neutral","sentiment_score":0.29014346599578855,"channel":0,"num_words":5,"start":1617.75,"end":1619.37},{"sentences":[{"text":"Yep.","start":1620.16,"end":1620.66,"sentiment":"neutral","sentiment_score":0.1280551254749298}],"sentiment":"neutral","sentiment_score":0.1280551254749298,"channel":1,"num_words":1,"start":1620.16,"end":1620.66},{"sentences":[{"text":"And the last thing I'm gonna bump up is if I go to 32 and a half, let's call it $6.25.","start":1621.045,"end":1628.825,"sentiment":"neutral","sentiment_score":0.06818475804868199},{"text":"Bump that in there.","start":1630.645,"end":1631.785,"sentiment":"neutral","sentiment_score":0.12201852537691593},{"text":"The extra contributions impacts it by from about 1.4 to 1.6.","start":1631.925,"end":1637.8999,"sentiment":"neutral","sentiment_score":0.04644918242278932},{"text":"So getting that 32 and a half in there, that's another couple of 100,000.","start":1637.96,"end":1641.5,"sentiment":"neutral","sentiment_score":0.1511837573988097},{"text":"And then for every 1% over that is another 200,000.","start":1642.6,"end":1649.0199,"sentiment":"neutral","sentiment_score":0.10029645077884197}],"sentiment":"neutral","sentiment_score":0.09250720230920706,"channel":0,"num_words":60,"start":1621.045,"end":1649.0199},{"sentences":[{"text":"Wow.","start":1649.82,"end":1650.3,"sentiment":"neutral","sentiment_score":0.2855033278465271}],"sentiment":"neutral","sentiment_score":0.2855033278465271,"channel":1,"num_words":1,"start":1649.82,"end":1650.3},{"sentences":[{"text":"So as","start":1649.8251,"end":1650.305,"sentiment":"neutral","sentiment_score":0.13011107221245766}],"sentiment":"neutral","sentiment_score":0.13011107221245766,"channel":0,"num_words":2,"start":1649.8251,"end":1650.305},{"sentences":[{"text":"Okay.","start":1650.3,"end":1650.8,"sentiment":"neutral","sentiment_score":0.12932941317558289}],"sentiment":"neutral","sentiment_score":0.12932941317558289,"channel":1,"num_words":1,"start":1650.3,"end":1650.8},{"sentences":[{"text":"long as we're getting at least 10% return,","start":1650.305,"end":1653.205,"sentiment":"neutral","sentiment_score":0.14869598113000393}],"sentiment":"neutral","sentiment_score":0.14869598113000393,"channel":0,"num_words":8,"start":1650.305,"end":1653.205},{"sentences":[{"text":"Yep.","start":1653.74,"end":1654.24,"sentiment":"neutral","sentiment_score":0.09586071968078612}],"sentiment":"neutral","sentiment_score":0.09586071968078612,"channel":1,"num_words":1,"start":1653.74,"end":1654.24},{"sentences":[{"text":"current contributions and a 188,000, it it's this weird trade off where the last ten years going from 51 to 60 is where it ramps up to that million, 1 0.2, 1.4, or 800.","start":1653.905,"end":1667.77,"sentiment":"neutral","sentiment_score":0.05432876687058631}],"sentiment":"neutral","sentiment_score":0.05432876687058631,"channel":0,"num_words":34,"start":1653.905,"end":1667.77},{"sentences":[{"text":"Yeah.","start":1667.515,"end":1668.015,"sentiment":"neutral","sentiment_score":0.0504058413207531},{"text":"Yeah.","start":1668.075,"end":1668.575,"sentiment":"neutral","sentiment_score":0.04980931431055069}],"sentiment":"neutral","sentiment_score":0.050107577815651894,"channel":1,"num_words":2,"start":1667.515,"end":1668.575},{"sentences":[{"text":"And then you've got to kind of turn the risk off so you don't just lose it all when the stock market crash at 63.","start":1668.4701,"end":1673.77,"sentiment":"neutral","sentiment_score":0.008893808424472809}],"sentiment":"neutral","sentiment_score":0.008893808424472809,"channel":0,"num_words":25,"start":1668.4701,"end":1673.77},{"sentences":[{"text":"Yep.","start":1674.075,"end":1674.475,"sentiment":"neutral","sentiment_score":0.09383170306682588},{"text":"Yep.","start":1674.475,"end":1674.975,"sentiment":"neutral","sentiment_score":0.11489346623420715}],"sentiment":"neutral","sentiment_score":0.10436258465051651,"channel":1,"num_words":2,"start":1674.075,"end":1674.975},{"sentences":[{"text":"Yep.","start":1675.1101,"end":1675.6101,"sentiment":"neutral","sentiment_score":0.13957026600837708},{"text":"But that level of contributions, high growth in that balance, you have a really strong way to catch that right up.","start":1675.67,"end":1682.5751,"sentiment":"neutral","sentiment_score":0.2938326072125208},{"text":"And even if we did a, let's say, work had to slow down for two years between '60 and '62, we","start":1682.635,"end":1689.1951,"sentiment":"neutral","sentiment_score":0.036672508964935936}],"sentiment":"neutral","sentiment_score":0.16465529548220856,"channel":0,"num_words":43,"start":1675.1101,"end":1689.1951},{"sentences":[{"text":"Yep.","start":1689.19,"end":1689.69,"sentiment":"neutral","sentiment_score":0.1031908318400383}],"sentiment":"neutral","sentiment_score":0.1031908318400383,"channel":1,"num_words":1,"start":1689.19,"end":1689.69},{"sentences":[{"text":"can do a transition to retirement strategy.","start":1689.1951,"end":1691.3201,"sentiment":"neutral","sentiment_score":0.0909291324870927},{"text":"So you can take some money out of super and put it back in again for a deduction and boost it up a little extra that way.","start":1691.3201,"end":1696.9401,"sentiment":"neutral","sentiment_score":0.14317481136984295}],"sentiment":"neutral","sentiment_score":0.1324183480704532,"channel":0,"num_words":34,"start":1689.1951,"end":1696.9401},{"sentences":[{"text":"Yep.","start":1697.375,"end":1697.875,"sentiment":"neutral","sentiment_score":0.0997779592871666}],"sentiment":"neutral","sentiment_score":0.0997779592871666,"channel":1,"num_words":1,"start":1697.375,"end":1697.875},{"sentences":[{"text":"There's a few things that we can do.","start":1697.88,"end":1699.8201,"sentiment":"neutral","sentiment_score":0.096170742996037}],"sentiment":"neutral","sentiment_score":0.096170742996037,"channel":0,"num_words":8,"start":1697.88,"end":1699.8201},{"sentences":[{"text":"Yep.","start":1700.8151,"end":1701.3151,"sentiment":"neutral","sentiment_score":0.098808191716671}],"sentiment":"neutral","sentiment_score":0.098808191716671,"channel":1,"num_words":1,"start":1700.8151,"end":1701.3151},{"sentences":[{"text":"So looking pretty good as long as we can maintain that.","start":1701.88,"end":1704.76,"sentiment":"neutral","sentiment_score":0.2096282257275148},{"text":"But, again, it's pretty much just gonna be every year.","start":1704.76,"end":1707.3151,"sentiment":"neutral","sentiment_score":0.07327456548810005},{"text":"We just have an updated discussion","start":1707.3151,"end":1708.855,"sentiment":"neutral","sentiment_score":0.03895155588785807}],"sentiment":"neutral","sentiment_score":0.12119872123003006,"channel":0,"num_words":27,"start":1701.88,"end":1708.855},{"sentences":[{"text":"Yep.","start":1708.4401,"end":1708.9401,"sentiment":"neutral","sentiment_score":0.0299236997961998}],"sentiment":"neutral","sentiment_score":0.0299236997961998,"channel":1,"num_words":1,"start":1708.4401,"end":1708.9401},{"sentences":[{"text":"what's going on in the markets, what do we need to fine tune, and your outcome is gonna be somewhere between $8.50 1.4.","start":1709.155,"end":1716.775,"sentiment":"neutral","sentiment_score":0.045650386372986046}],"sentiment":"neutral","sentiment_score":0.045650386372986046,"channel":0,"num_words":23,"start":1709.155,"end":1716.775},{"sentences":[{"text":"That's good.","start":1717.135,"end":1717.6951,"sentiment":"positive","sentiment_score":0.5211347937583923},{"text":"That's good.","start":1717.6951,"end":1718.495,"sentiment":"positive","sentiment_score":0.573201447725296},{"text":"And it's keeping my my shares out of that.","start":1718.495,"end":1721.055,"sentiment":"neutral","sentiment_score":0.1862527479728063},{"text":"It's just because I'm playing with that to try and get the extra in there","start":1721.055,"end":1725.295,"sentiment":"neutral","sentiment_score":0.12165279140075048}],"sentiment":"neutral","sentiment_score":0.20320496734763896,"channel":1,"num_words":28,"start":1717.135,"end":1725.295},{"sentences":[{"text":"Yeah.","start":1725.09,"end":1725.59,"sentiment":"neutral","sentiment_score":0.09977583587169649}],"sentiment":"neutral","sentiment_score":0.09977583587169649,"channel":0,"num_words":1,"start":1725.09,"end":1725.59},{"sentences":[{"text":"once a year.","start":1725.295,"end":1726.095,"sentiment":"neutral","sentiment_score":0.08429017042120297},{"text":"So, yeah, that's good.","start":1726.095,"end":1727.235,"sentiment":"positive","sentiment_score":0.4018573760986328}],"sentiment":"neutral","sentiment_score":0.26575714509402004,"channel":1,"num_words":7,"start":1725.295,"end":1727.235},{"sentences":[{"text":"Cool.","start":1728.13,"end":1728.63,"sentiment":"positive","sentiment_score":0.4305075407028198},{"text":"So I've got a bit of a game plan.","start":1728.6901,"end":1730.47,"sentiment":"neutral","sentiment_score":0.1642751908964581},{"text":"Does all that kind of make sense to start with while I build the plan and do the research?","start":1731.045,"end":1734.8251,"sentiment":"neutral","sentiment_score":0.11275192585430648}],"sentiment":"neutral","sentiment_score":0.13969899482768158,"channel":0,"num_words":29,"start":1728.13,"end":1734.8251},{"sentences":[{"text":"That sounds really good, Tom.","start":1735.0701,"end":1736.53,"sentiment":"positive","sentiment_score":0.552430534362793}],"sentiment":"positive","sentiment_score":0.552430534362793,"channel":1,"num_words":5,"start":1735.0701,"end":1736.53},{"sentences":[{"text":"Awesome.","start":1737.365,"end":1737.865,"sentiment":"positive","sentiment_score":0.5839992761611938},{"text":"From here, I'm actually about to go on leave for two weeks.","start":1738.245,"end":1741.765,"sentiment":"neutral","sentiment_score":0.1257152451823155},{"text":"I'm having a my third baby is due next week.","start":1741.765,"end":1746.185,"sentiment":"neutral","sentiment_score":0.16175582110881806}],"sentiment":"neutral","sentiment_score":0.16131045345378958,"channel":0,"num_words":23,"start":1737.365,"end":1746.185},{"sentences":[{"text":"Good on that.","start":1745.775,"end":1746.1064,"sentiment":"positive","sentiment_score":0.5575757424036661},{"text":"Good on that.","start":1746.1064,"end":1746.3807,"sentiment":"positive","sentiment_score":0.5845692157745361},{"text":"Good on that.","start":1746.3807,"end":1746.655,"sentiment":"positive","sentiment_score":0.6252428094546},{"text":"Congratulations.","start":1746.655,"end":1747.155,"sentiment":"positive","sentiment_score":0.635528564453125}],"sentiment":"positive","sentiment_score":0.5937691867351532,"channel":1,"num_words":10,"start":1745.775,"end":1747.155},{"sentences":[{"text":"Thank you.","start":1746.9801,"end":1747.78,"sentiment":"positive","sentiment_score":0.381735160946846},{"text":"So two boys, and I've got a girl on the way.","start":1747.78,"end":1749.7001,"sentiment":"neutral","sentiment_score":0.13538264618678528},{"text":"So I'll be on paternity leave for a fortnight, and then that's basically what when the team does the research while I'm away.","start":1749.7001,"end":1756.3401,"sentiment":"neutral","sentiment_score":0.054019861004274826}],"sentiment":"neutral","sentiment_score":0.09708711758462919,"channel":0,"num_words":36,"start":1746.9801,"end":1756.3401},{"sentences":[{"text":"Yep.","start":1756.015,"end":1756.515,"sentiment":"neutral","sentiment_score":0.1577572375535965}],"sentiment":"neutral","sentiment_score":0.1577572375535965,"channel":1,"num_words":1,"start":1756.015,"end":1756.515},{"sentences":[{"text":"And then I'll build that plan, and they'll book you in to go through it with me.","start":1756.3401,"end":1760.5801,"sentiment":"neutral","sentiment_score":0.23816327575375051},{"text":"And then we'll","start":1760.5801,"end":1761.06,"sentiment":"neutral","sentiment_score":0.10378280282020569}],"sentiment":"neutral","sentiment_score":0.2180062048137188,"channel":0,"num_words":20,"start":1756.3401,"end":1761.06},{"sentences":[{"text":"Yep.","start":1760.95,"end":1761.45,"sentiment":"neutral","sentiment_score":0.07826131582260132}],"sentiment":"neutral","sentiment_score":0.07826131582260132,"channel":1,"num_words":1,"start":1760.95,"end":1761.45},{"sentences":[{"text":"do another catch up, you know, six months later to go through steps two.","start":1761.06,"end":1765.295,"sentiment":"neutral","sentiment_score":0.05815535996641431}],"sentiment":"neutral","sentiment_score":0.05815535996641431,"channel":0,"num_words":14,"start":1761.06,"end":1765.295},{"sentences":[{"text":"No.","start":1765.51,"end":1765.83,"sentiment":"neutral","sentiment_score":-0.23729842901229856},{"text":"I'm happy with that time and it's yeah.","start":1765.83,"end":1768.07,"sentiment":"neutral","sentiment_score":-0.1642675381153822},{"text":"Yeah.","start":1768.07,"end":1768.3099,"sentiment":"neutral","sentiment_score":0.07275903970003128},{"text":"I know it's been a few mix.","start":1768.3099,"end":1769.75,"sentiment":"neutral","sentiment_score":-0.015339905662196025},{"text":"Not well, there's been a few changes to half as well, so it's good that I can I can sort of rely on you?","start":1769.75,"end":1775.495,"sentiment":"neutral","sentiment_score":0.15361673974742493}],"sentiment":"neutral","sentiment_score":0.05123762731871954,"channel":1,"num_words":41,"start":1765.51,"end":1775.495},{"sentences":[{"text":"That's good.","start":1775.495,"end":1776.235,"sentiment":"positive","sentiment_score":0.5068272352218628}],"sentiment":"positive","sentiment_score":0.5068272352218628,"channel":1,"num_words":2,"start":1775.495,"end":1776.235},{"sentences":[{"text":"Yep.","start":1776.5701,"end":1777.0701,"sentiment":"neutral","sentiment_score":0.1448620706796646},{"text":"I will pretty","start":1777.13,"end":1777.77,"sentiment":"neutral","sentiment_score":0.05861895655592283}],"sentiment":"neutral","sentiment_score":0.08017973508685827,"channel":0,"num_words":4,"start":1776.5701,"end":1777.77},{"sentences":[{"text":"And","start":1777.6549,"end":1777.8949,"sentiment":"neutral","sentiment_score":0.037943191826343536}],"sentiment":"neutral","sentiment_score":0.037943191826343536,"channel":1,"num_words":1,"start":1777.6549,"end":1777.8949},{"sentences":[{"text":"much","start":1777.77,"end":1777.93,"sentiment":"neutral","sentiment_score":0.05040251463651657}],"sentiment":"neutral","sentiment_score":0.05040251463651657,"channel":0,"num_words":1,"start":1777.77,"end":1777.93},{"sentences":[{"text":"also","start":1777.8949,"end":1778.1349,"sentiment":"neutral","sentiment_score":0.03652102127671242}],"sentiment":"neutral","sentiment_score":0.03652102127671242,"channel":1,"num_words":1,"start":1777.8949,"end":1778.1349},{"sentences":[{"text":"be looking","start":1777.93,"end":1778.41,"sentiment":"neutral","sentiment_score":0.04624434560537338}],"sentiment":"neutral","sentiment_score":0.04624434560537338,"channel":0,"num_words":2,"start":1777.93,"end":1778.41},{"sentences":[{"text":"the fee","start":1778.1349,"end":1778.855,"sentiment":"neutral","sentiment_score":0.058388181030750275}],"sentiment":"neutral","sentiment_score":0.058388181030750275,"channel":1,"num_words":2,"start":1778.1349,"end":1778.855},{"sentences":[{"text":"through","start":1778.41,"end":1778.91,"sentiment":"neutral","sentiment_score":0.01551753655076027}],"sentiment":"neutral","sentiment_score":0.01551753655076027,"channel":0,"num_words":1,"start":1778.41,"end":1778.91},{"sentences":[{"text":"fee is","start":1778.855,"end":1779.1749,"sentiment":"neutral","sentiment_score":0.04853730648756027}],"sentiment":"neutral","sentiment_score":0.04853730648756027,"channel":1,"num_words":2,"start":1778.855,"end":1779.1749},{"sentences":[{"text":"everything.","start":1779.13,"end":1779.63,"sentiment":"neutral","sentiment_score":0.03974229097366333}],"sentiment":"neutral","sentiment_score":0.03974229097366333,"channel":0,"num_words":1,"start":1779.13,"end":1779.63},{"sentences":[{"text":"why because yeah.","start":1779.1749,"end":1780.455,"sentiment":"neutral","sentiment_score":-0.005004324018955231}],"sentiment":"neutral","sentiment_score":-0.005004324018955231,"channel":1,"num_words":3,"start":1779.1749,"end":1780.455},{"sentences":[{"text":"Sorry.","start":1780.25,"end":1780.5701,"sentiment":"neutral","sentiment_score":-0.02917151339352131}],"sentiment":"neutral","sentiment_score":-0.02917151339352131,"channel":0,"num_words":1,"start":1780.25,"end":1780.5701},{"sentences":[{"text":"Just","start":1780.455,"end":1780.7749,"sentiment":"neutral","sentiment_score":-0.018943294882774353}],"sentiment":"neutral","sentiment_score":-0.018943294882774353,"channel":1,"num_words":1,"start":1780.455,"end":1780.7749},{"sentences":[{"text":"You go.","start":1780.5701,"end":1781.23,"sentiment":"neutral","sentiment_score":-0.010918132029473782}],"sentiment":"neutral","sentiment_score":-0.010918132029473782,"channel":0,"num_words":2,"start":1780.5701,"end":1781.23},{"sentences":[{"text":"the bottom of my mind.","start":1780.7749,"end":1781.815,"sentiment":"neutral","sentiment_score":-0.013016295433044434},{"text":"Sorry, mate.","start":1781.815,"end":1782.375,"sentiment":"neutral","sentiment_score":-0.018266582395881414},{"text":"It's just the I think we get a discount on the fees because we're a couple you know, we got some discount on the percentage that we're getting charged.","start":1782.375,"end":1793.71,"sentiment":"neutral","sentiment_score":0.06573121615781866},{"text":"Does that still","start":1793.71,"end":1794.59,"sentiment":"neutral","sentiment_score":0.03877700244386991}],"sentiment":"neutral","sentiment_score":0.049254400870547846,"channel":1,"num_words":39,"start":1780.7749,"end":1794.59},{"sentences":[{"text":"Yes.","start":1794.3451,"end":1794.8451,"sentiment":"neutral","sentiment_score":0.0409293957054615}],"sentiment":"neutral","sentiment_score":0.0409293957054615,"channel":0,"num_words":1,"start":1794.3451,"end":1794.8451},{"sentences":[{"text":"apply?","start":1794.59,"end":1795.09,"sentiment":"neutral","sentiment_score":0.03305862471461296}],"sentiment":"neutral","sentiment_score":0.03305862471461296,"channel":1,"num_words":1,"start":1794.59,"end":1795.09},{"sentences":[{"text":"So I'll pull up the service agreement at the moment.","start":1795.7051,"end":1800.025,"sentiment":"neutral","sentiment_score":0.037291089072823524},{"text":"Let's have a little look.","start":1800.025,"end":1801.4851,"sentiment":"neutral","sentiment_score":0.0431580126285553},{"text":"So your service agreement still runs through till October 2026 currently,","start":1803.09,"end":1810.31,"sentiment":"neutral","sentiment_score":0.0386978384446014}],"sentiment":"neutral","sentiment_score":0.039014506798524126,"channel":0,"num_words":26,"start":1795.7051,"end":1810.31},{"sentences":[{"text":"Yep.","start":1810.765,"end":1811.265,"sentiment":"neutral","sentiment_score":0.04494144767522812}],"sentiment":"neutral","sentiment_score":0.04494144767522812,"channel":1,"num_words":1,"start":1810.765,"end":1811.265},{"sentences":[{"text":"and it doesn't expire until March 2027.","start":1811.65,"end":1815.1902,"sentiment":"neutral","sentiment_score":0.023557042436940328}],"sentiment":"neutral","sentiment_score":0.023557042436940328,"channel":0,"num_words":7,"start":1811.65,"end":1815.1902},{"sentences":[{"text":"Yep.","start":1815.485,"end":1815.985,"sentiment":"neutral","sentiment_score":0.06080777570605278}],"sentiment":"neutral","sentiment_score":0.06080777570605278,"channel":1,"num_words":1,"start":1815.485,"end":1815.985},{"sentences":[{"text":"It'll be one of the things where I'll have a discussion with you towards that endpoint, and","start":1816.4651,"end":1819.745,"sentiment":"neutral","sentiment_score":0.0740616249249262}],"sentiment":"neutral","sentiment_score":0.0740616249249262,"channel":0,"num_words":17,"start":1816.4651,"end":1819.745},{"sentences":[{"text":"Yeah.","start":1819.73,"end":1820.23,"sentiment":"neutral","sentiment_score":0.06376885622739792}],"sentiment":"neutral","sentiment_score":0.06376885622739792,"channel":1,"num_words":1,"start":1819.73,"end":1820.23},{"sentences":[{"text":"we can kind of discuss what the services look like.","start":1819.745,"end":1822.3251,"sentiment":"neutral","sentiment_score":0.07772141173481942},{"text":"If I can maintain it, I will, but it's a","start":1823.1051,"end":1825.025,"sentiment":"neutral","sentiment_score":0.03171746162697673}],"sentiment":"neutral","sentiment_score":0.05471943668089807,"channel":0,"num_words":20,"start":1819.745,"end":1825.025},{"sentences":[{"text":"Yep.","start":1824.9299,"end":1825.4299,"sentiment":"neutral","sentiment_score":0.006899668835103512}],"sentiment":"neutral","sentiment_score":0.006899668835103512,"channel":1,"num_words":1,"start":1824.9299,"end":1825.4299},{"sentences":[{"text":"request that I would have to put through next year.","start":1825.025,"end":1827.925,"sentiment":"neutral","sentiment_score":0.003927994146943092}],"sentiment":"neutral","sentiment_score":0.003927994146943092,"channel":0,"num_words":10,"start":1825.025,"end":1827.925},{"sentences":[{"text":"Yeah.","start":1828.13,"end":1828.45,"sentiment":"neutral","sentiment_score":0.03790948539972305},{"text":"I understand.","start":1828.45,"end":1829.11,"sentiment":"neutral","sentiment_score":0.03610183857381344},{"text":"Is it one","start":1829.25,"end":1829.8099,"sentiment":"neutral","sentiment_score":0.023234666635592777}],"sentiment":"neutral","sentiment_score":0.029969527075688045,"channel":1,"num_words":6,"start":1828.13,"end":1829.8099},{"sentences":[{"text":"Yep.","start":1829.7599,"end":1830.2599,"sentiment":"neutral","sentiment_score":0.012213248759508131}],"sentiment":"neutral","sentiment_score":0.012213248759508131,"channel":0,"num_words":1,"start":1829.7599,"end":1830.2599},{"sentences":[{"text":"point what is it now?","start":1829.8099,"end":1831.09,"sentiment":"neutral","sentiment_score":-0.0007598202675580979},{"text":"One point?","start":1831.09,"end":1831.75,"sentiment":"neutral","sentiment_score":0.006126669701188803}],"sentiment":"neutral","sentiment_score":0.0012077482949410165,"channel":1,"num_words":7,"start":1829.8099,"end":1831.75},{"sentences":[{"text":"Yeah.","start":1832.1599,"end":1832.3999,"sentiment":"neutral","sentiment_score":0.03415277227759361},{"text":"So it was 1.65, and the couple's discount's 1.1.","start":1832.3999,"end":1836.1,"sentiment":"neutral","sentiment_score":0.04163337126374245}],"sentiment":"neutral","sentiment_score":0.04088531136512756,"channel":0,"num_words":10,"start":1832.1599,"end":1836.1},{"sentences":[{"text":"Yeah.","start":1836.4249,"end":1836.745,"sentiment":"neutral","sentiment_score":0.2181445062160492},{"text":"It's a good difference.","start":1836.745,"end":1837.725,"sentiment":"positive","sentiment_score":0.39031898230314255}],"sentiment":"positive","sentiment_score":0.3558840870857239,"channel":1,"num_words":5,"start":1836.4249,"end":1837.725},{"sentences":[{"text":"Yep.","start":1838.1599,"end":1838.3999,"sentiment":"neutral","sentiment_score":0.1306525468826294},{"text":"And then once you hit 600,000, that's when it flat caps.","start":1838.3999,"end":1841.62,"sentiment":"neutral","sentiment_score":0.07535483688116074},{"text":"And, again, everything after that because we've got the clients 1,000,000, 2,000,000, that kind of thing, and we","start":1841.895,"end":1847.8151,"sentiment":"neutral","sentiment_score":0.07886673116849528}],"sentiment":"neutral","sentiment_score":0.07930523045361042,"channel":0,"num_words":30,"start":1838.1599,"end":1847.8151},{"sentences":[{"text":"Yep.","start":1847.76,"end":1848.26,"sentiment":"neutral","sentiment_score":0.013095572590827942}],"sentiment":"neutral","sentiment_score":0.013095572590827942,"channel":1,"num_words":1,"start":1847.76,"end":1848.26},{"sentences":[{"text":"have to put a bit of a cap at the 600 mark.","start":1847.8151,"end":1850.475,"sentiment":"neutral","sentiment_score":-0.0609795191946129}],"sentiment":"neutral","sentiment_score":-0.0609795191946129,"channel":0,"num_words":12,"start":1847.8151,"end":1850.475},{"sentences":[{"text":"Yeah.","start":1850.64,"end":1850.88,"sentiment":"neutral","sentiment_score":0.15242421627044678},{"text":"I get it.","start":1850.88,"end":1851.5199,"sentiment":"neutral","sentiment_score":0.2641577273607254},{"text":"That's cool.","start":1851.5199,"end":1852.26,"sentiment":"positive","sentiment_score":0.6807765364646912}],"sentiment":"positive","sentiment_score":0.3844084118803342,"channel":1,"num_words":6,"start":1850.64,"end":1852.26},{"sentences":[{"text":"Cool.","start":1852.775,"end":1853.275,"sentiment":"positive","sentiment_score":0.46648555994033813},{"text":"Any questions so far, or does","start":1853.3351,"end":1855.255,"sentiment":"neutral","sentiment_score":0.09163648262619972}],"sentiment":"neutral","sentiment_score":0.14518635081393377,"channel":0,"num_words":7,"start":1852.775,"end":1855.255},{"sentences":[{"text":"No.","start":1855.0399,"end":1855.2,"sentiment":"neutral","sentiment_score":0.08446931093931198},{"text":"That's","start":1855.2,"end":1855.5199,"sentiment":"neutral","sentiment_score":0.262423574924469}],"sentiment":"neutral","sentiment_score":0.1734464429318905,"channel":1,"num_words":2,"start":1855.0399,"end":1855.5199},{"sentences":[{"text":"that sound","start":1855.255,"end":1855.655,"sentiment":"neutral","sentiment_score":0.3274051994085312}],"sentiment":"neutral","sentiment_score":0.3274051994085312,"channel":0,"num_words":2,"start":1855.255,"end":1855.655},{"sentences":[{"text":"good.","start":1855.5199,"end":1856.0199,"sentiment":"positive","sentiment_score":0.3689104914665222}],"sentiment":"positive","sentiment_score":0.3689104914665222,"channel":1,"num_words":1,"start":1855.5199,"end":1856.0199},{"sentences":[{"text":"good?","start":1855.655,"end":1856.04,"sentiment":"positive","sentiment_score":0.3547240197658539},{"text":"Cool.","start":1857.48,"end":1857.98,"sentiment":"neutral","sentiment_score":0.2929590344429016},{"text":"If you have any questions in between and something changes, you wanna have a chat while I'm away, we do have Larissa, our head of advice, and the rest of the advice team still available.","start":1858.04,"end":1868.4601,"sentiment":"neutral","sentiment_score":0.14918166846036912},{"text":"But if there's any emergencies, they'll contact me as well.","start":1868.8401,"end":1871.895,"sentiment":"neutral","sentiment_score":0.09257026128470898}],"sentiment":"neutral","sentiment_score":0.144569022620612,"channel":0,"num_words":47,"start":1855.655,"end":1871.895},{"sentences":[{"text":"Yep.","start":1871.675,"end":1872.0751,"sentiment":"neutral","sentiment_score":0.14666339755058289},{"text":"Yeah.","start":1872.0751,"end":1872.395,"sentiment":"neutral","sentiment_score":0.20435568690299988},{"text":"No stress.","start":1872.395,"end":1872.875,"sentiment":"positive","sentiment_score":0.3333505839109421},{"text":"That's all good.","start":1872.875,"end":1873.855,"sentiment":"positive","sentiment_score":0.5592532257239023}],"sentiment":"positive","sentiment_score":0.3850685613495963,"channel":1,"num_words":7,"start":1871.675,"end":1873.855},{"sentences":[{"text":"Cool.","start":1874.535,"end":1875.035,"sentiment":"positive","sentiment_score":0.4200966954231262},{"text":"I'm just quickly checking the updated goals here because I've got the retirement goals set in there.","start":1875.335,"end":1881.835,"sentiment":"neutral","sentiment_score":0.24602381709743948},{"text":"We've got the updated sort of property settlement to bedroom as the idea for the next twelve months","start":1882.6951,"end":1889.9,"sentiment":"neutral","sentiment_score":0.1364586411250962}],"sentiment":"neutral","sentiment_score":0.19607658684253693,"channel":0,"num_words":36,"start":1874.535,"end":1889.9},{"sentences":[{"text":"Yep.","start":1890.1001,"end":1890.6001,"sentiment":"neutral","sentiment_score":0.09545668214559556}],"sentiment":"neutral","sentiment_score":0.09545668214559556,"channel":1,"num_words":1,"start":1890.1001,"end":1890.6001},{"sentences":[{"text":"and just kind of altering the insurances a little bit.","start":1890.52,"end":1893.8,"sentiment":"neutral","sentiment_score":0.08446893617510795},{"text":"That's what I'm putting in there as goals.","start":1893.8,"end":1895.66,"sentiment":"neutral","sentiment_score":0.12669583410024643}],"sentiment":"neutral","sentiment_score":0.10323644636405839,"channel":0,"num_words":18,"start":1890.52,"end":1895.66},{"sentences":[{"text":"Yep.","start":1895.875,"end":1896.375,"sentiment":"neutral","sentiment_score":0.05256696790456772},{"text":"So, I mean, I'm sort of toying with the idea.","start":1896.515,"end":1898.995,"sentiment":"neutral","sentiment_score":0.049709006771445276},{"text":"So if I get 40,000 out of this settlement, whether I put it in straight into super, but I think I might need the cash on hand for a deposit on the on the apartment, so in a year's time.","start":1898.995,"end":1913.93,"sentiment":"neutral","sentiment_score":0.03542090500704944},{"text":"But you didn't include, say, that 40,000 going into super digit.","start":1914.31,"end":1919.2101,"sentiment":"neutral","sentiment_score":-0.02025101630186493}],"sentiment":"neutral","sentiment_score":0.028124710590007804,"channel":1,"num_words":62,"start":1895.875,"end":1919.2101},{"sentences":[{"text":"No.","start":1919.75,"end":1920.2301,"sentiment":"neutral","sentiment_score":-0.0735895186662674},{"text":"No.","start":1920.2301,"end":1920.4701,"sentiment":"neutral","sentiment_score":-0.07071622461080551},{"text":"So what I'm sort","start":1920.4701,"end":1921.1901,"sentiment":"neutral","sentiment_score":-0.05708280112594366}],"sentiment":"neutral","sentiment_score":-0.062106157963474594,"channel":0,"num_words":6,"start":1919.75,"end":1921.1901},{"sentences":[{"text":"No.","start":1921.015,"end":1921.175,"sentiment":"neutral","sentiment_score":-0.1048092171549797},{"text":"That's","start":1921.175,"end":1921.495,"sentiment":"neutral","sentiment_score":-0.09595271199941637}],"sentiment":"neutral","sentiment_score":-0.10038096457719803,"channel":1,"num_words":2,"start":1921.015,"end":1921.495},{"sentences":[{"text":"of saying","start":1921.1901,"end":1921.67,"sentiment":"neutral","sentiment_score":-0.10568031296133995}],"sentiment":"neutral","sentiment_score":-0.10568031296133995,"channel":0,"num_words":2,"start":1921.1901,"end":1921.67},{"sentences":[{"text":"fine.","start":1921.495,"end":1921.995,"sentiment":"neutral","sentiment_score":-0.04628795385360718}],"sentiment":"neutral","sentiment_score":-0.04628795385360718,"channel":1,"num_words":1,"start":1921.495,"end":1921.995},{"sentences":[{"text":"is potentially a 100 is what","start":1921.67,"end":1924.995,"sentiment":"neutral","sentiment_score":-0.06035973380009333}],"sentiment":"neutral","sentiment_score":-0.06035973380009333,"channel":0,"num_words":6,"start":1921.67,"end":1924.995},{"sentences":[{"text":"Yep.","start":1924.935,"end":1925.435,"sentiment":"neutral","sentiment_score":-0.05413253605365753}],"sentiment":"neutral","sentiment_score":-0.05413253605365753,"channel":1,"num_words":1,"start":1924.935,"end":1925.435},{"sentences":[{"text":"we're I'm not even gonna include it now until it's a reality.","start":1924.995,"end":1928.295,"sentiment":"neutral","sentiment_score":-0.07596456973503034}],"sentiment":"neutral","sentiment_score":-0.07596456973503034,"channel":0,"num_words":12,"start":1924.995,"end":1928.295},{"sentences":[{"text":"Yep.","start":1928.6951,"end":1929.1951,"sentiment":"neutral","sentiment_score":-0.001198427751660347}],"sentiment":"neutral","sentiment_score":-0.001198427751660347,"channel":1,"num_words":1,"start":1928.6951,"end":1929.1951},{"sentences":[{"text":"Outside of that, I'm saying property settlement 40 goes into cash alongside","start":1928.915,"end":1934.055,"sentiment":"neutral","sentiment_score":0.008972109217817584}],"sentiment":"neutral","sentiment_score":0.008972109217817584,"channel":0,"num_words":12,"start":1928.915,"end":1934.055},{"sentences":[{"text":"Yep.","start":1933.5751,"end":1934.0751,"sentiment":"neutral","sentiment_score":0.013070042245090008}],"sentiment":"neutral","sentiment_score":0.013070042245090008,"channel":1,"num_words":1,"start":1933.5751,"end":1934.0751},{"sentences":[{"text":"the 55 in shares and the 50 in savings","start":1934.115,"end":1936.775,"sentiment":"neutral","sentiment_score":0.019365737835566204}],"sentiment":"neutral","sentiment_score":0.019365737835566204,"channel":0,"num_words":9,"start":1934.115,"end":1936.775},{"sentences":[{"text":"Yep.","start":1937.13,"end":1937.63,"sentiment":"neutral","sentiment_score":0.010279306210577488},{"text":"Okay.","start":1937.85,"end":1938.35,"sentiment":"neutral","sentiment_score":0.026360146701335907}],"sentiment":"neutral","sentiment_score":0.018319726455956697,"channel":1,"num_words":2,"start":1937.13,"end":1938.35},{"sentences":[{"text":"for the time being.","start":1938.11,"end":1939.1699,"sentiment":"neutral","sentiment_score":0.01769494218751788}],"sentiment":"neutral","sentiment_score":0.01769494218751788,"channel":0,"num_words":4,"start":1938.11,"end":1939.1699},{"sentences":[{"text":"So you did include the 100 if we go over that.","start":1939.5299,"end":1943.9299,"sentiment":"neutral","sentiment_score":0.03509518571875312},{"text":"If we put that in, it makes a big difference.","start":1943.9299,"end":1945.77,"sentiment":"neutral","sentiment_score":0.012942786514759063},{"text":"But either way, it'll be close to 1,000,000 without that even, but that should go in anyway.","start":1945.77,"end":1950.33,"sentiment":"neutral","sentiment_score":-0.005572697147727013},{"text":"So alright.","start":1950.33,"end":1951.005,"sentiment":"neutral","sentiment_score":0.09461823850870132},{"text":"Cool.","start":1951.085,"end":1951.585,"sentiment":"neutral","sentiment_score":0.19190984964370728}],"sentiment":"neutral","sentiment_score":0.019558180078137213,"channel":1,"num_words":41,"start":1939.5299,"end":1951.585},{"sentences":[{"text":"Yeah.","start":1951.245,"end":1951.745,"sentiment":"neutral","sentiment_score":0.17541633546352386}],"sentiment":"neutral","sentiment_score":0.17541633546352386,"channel":0,"num_words":1,"start":1951.245,"end":1951.745},{"sentences":[{"text":"I'll get it.","start":1951.965,"end":1952.445,"sentiment":"neutral","sentiment_score":0.23129481077194214},{"text":"That's cool.","start":1952.445,"end":1953.005,"sentiment":"neutral","sentiment_score":0.31847865879535675},{"text":"No.","start":1953.005,"end":1953.245,"sentiment":"neutral","sentiment_score":0.06642712652683258},{"text":"That","start":1953.245,"end":1953.405,"sentiment":"neutral","sentiment_score":0.05953095108270645}],"sentiment":"neutral","sentiment_score":0.20811426107372558,"channel":1,"num_words":7,"start":1951.965,"end":1953.405},{"sentences":[{"text":"So","start":1953.325,"end":1953.485,"sentiment":"neutral","sentiment_score":0.09025242924690248}],"sentiment":"neutral","sentiment_score":0.09025242924690248,"channel":0,"num_words":1,"start":1953.325,"end":1953.485},{"sentences":[{"text":"looks","start":1953.405,"end":1953.645,"sentiment":"neutral","sentiment_score":0.12099190056324004}],"sentiment":"neutral","sentiment_score":0.12099190056324004,"channel":1,"num_words":1,"start":1953.405,"end":1953.645},{"sentences":[{"text":"if","start":1953.485,"end":1953.725,"sentiment":"neutral","sentiment_score":0.13395199179649353}],"sentiment":"neutral","sentiment_score":0.13395199179649353,"channel":0,"num_words":1,"start":1953.485,"end":1953.725},{"sentences":[{"text":"good.","start":1953.645,"end":1954.145,"sentiment":"neutral","sentiment_score":0.16936805844306946}],"sentiment":"neutral","sentiment_score":0.16936805844306946,"channel":1,"num_words":1,"start":1953.645,"end":1954.145},{"sentences":[{"text":"we attack it from three, four angles, pretty well, good chance to get there.","start":1953.725,"end":1958.225,"sentiment":"neutral","sentiment_score":0.2197122180036136}],"sentiment":"neutral","sentiment_score":0.2197122180036136,"channel":0,"num_words":14,"start":1953.725,"end":1958.225},{"sentences":[{"text":"Yep.","start":1958.045,"end":1958.365,"sentiment":"neutral","sentiment_score":0.1390630006790161},{"text":"Yeah.","start":1958.365,"end":1958.845,"sentiment":"neutral","sentiment_score":0.2415226697921753},{"text":"Good stuff.","start":1958.845,"end":1959.5651,"sentiment":"positive","sentiment_score":0.41491612792015076},{"text":"Alright.","start":1959.5651,"end":1960.0651,"sentiment":"neutral","sentiment_score":0.1899878978729248},{"text":"No probs.","start":1960.205,"end":1960.865,"sentiment":"neutral","sentiment_score":0.10142898559570312}],"sentiment":"neutral","sentiment_score":0.22903768505368913,"channel":1,"num_words":7,"start":1958.045,"end":1960.865},{"sentences":[{"text":"Awesome.","start":1960.5249,"end":1961.0249,"sentiment":"positive","sentiment_score":0.8299727439880371},{"text":"Alright, mate, mate.","start":1961.66,"end":1962.5399,"sentiment":"positive","sentiment_score":0.630418082078298},{"text":"Appreciate your time today.","start":1962.5399,"end":1963.82,"sentiment":"positive","sentiment_score":0.799019530415535},{"text":"I will work my magic and do my thing.","start":1963.82,"end":1965.98,"sentiment":"positive","sentiment_score":0.6873491273985969},{"text":"And then in about four weeks' time, you'll get booked in with me, and we'll run through the the plan together.","start":1965.98,"end":1972.08,"sentiment":"positive","sentiment_score":0.38180728611491976}],"sentiment":"positive","sentiment_score":0.5295105333390989,"channel":0,"num_words":38,"start":1960.5249,"end":1972.08},{"sentences":[{"text":"Yep.","start":1972.1,"end":1972.42,"sentiment":"neutral","sentiment_score":0.25330325961112976}],"sentiment":"neutral","sentiment_score":0.25330325961112976,"channel":1,"num_words":1,"start":1972.1,"end":1972.42},{"sentences":[{"text":"And","start":1972.22,"end":1972.46,"sentiment":"neutral","sentiment_score":0.26969897747039795}],"sentiment":"neutral","sentiment_score":0.26969897747039795,"channel":0,"num_words":1,"start":1972.22,"end":1972.46},{"sentences":[{"text":"Yep.","start":1972.42,"end":1972.92,"sentiment":"neutral","sentiment_score":0.2029388397932053}],"sentiment":"neutral","sentiment_score":0.2029388397932053,"channel":1,"num_words":1,"start":1972.42,"end":1972.92},{"sentences":[{"text":"then I'm good to go.","start":1972.46,"end":1974.0,"sentiment":"positive","sentiment_score":0.48608410358428955}],"sentiment":"positive","sentiment_score":0.48608410358428955,"channel":0,"num_words":5,"start":1972.46,"end":1974.0},{"sentences":[{"text":"Sounds good, Tom.","start":1974.26,"end":1975.14,"sentiment":"positive","sentiment_score":0.7470539609591166},{"text":"Very good.","start":1975.14,"end":1975.96,"sentiment":"positive","sentiment_score":0.8376441299915314}],"sentiment":"positive","sentiment_score":0.7832900285720825,"channel":1,"num_words":5,"start":1974.26,"end":1975.96},{"sentences":[{"text":"Awesome, mate.","start":1976.005,"end":1976.645,"sentiment":"positive","sentiment_score":0.8651073276996613},{"text":"You have a great night.","start":1976.645,"end":1977.365,"sentiment":"positive","sentiment_score":0.850692069530487},{"text":"Anything you need, just call straight back.","start":1977.365,"end":1979.2251,"sentiment":"positive","sentiment_score":0.5013656658785683}],"sentiment":"positive","sentiment_score":0.678088190300124,"channel":0,"num_words":14,"start":1976.005,"end":1979.2251},{"sentences":[{"text":"You too, mate.","start":1979.555,"end":1980.195,"sentiment":"positive","sentiment_score":0.5424255530039469},{"text":"Have a good break, and, yeah, congratulations too.","start":1980.195,"end":1983.415,"sentiment":"positive","sentiment_score":0.6618199050426483}],"sentiment":"positive","sentiment_score":0.6292578090320934,"channel":1,"num_words":11,"start":1979.555,"end":1983.415},{"sentences":[{"text":"I will.","start":1983.6589,"end":1984.059,"sentiment":"positive","sentiment_score":0.5279894769191742},{"text":"Thank you so much, Matt.","start":1984.059,"end":1985.3589,"sentiment":"positive","sentiment_score":0.8187350630760193}],"sentiment":"positive","sentiment_score":0.7356648956026349,"channel":0,"num_words":7,"start":1983.6589,"end":1985.3589},{"sentences":[{"text":"Good on yourself.","start":1985.475,"end":1986.275,"sentiment":"positive","sentiment_score":0.7830331524213155},{"text":"Cheers, mate.","start":1986.275,"end":1987.095,"sentiment":"positive","sentiment_score":0.6525013446807861}],"sentiment":"positive","sentiment_score":0.7308204293251037,"channel":1,"num_words":5,"start":1985.475,"end":1987.095},{"sentences":[{"text":"Bye.","start":1987.2589,"end":1987.7589,"sentiment":"positive","sentiment_score":0.4012869596481323}],"sentiment":"positive","sentiment_score":0.4012869596481323,"channel":0,"num_words":1,"start":1987.2589,"end":1987.7589},{"sentences":[{"text":"See you.","start":1987.955,"end":1988.275,"sentiment":"positive","sentiment_score":0.4145800918340683},{"text":"Bye.","start":1988.275,"end":1988.775,"sentiment":"neutral","sentiment_score":-0.1103776842355728}],"sentiment":"neutral","sentiment_score":0.23959416647752127,"channel":1,"num_words":3,"start":1987.955,"end":1988.775}]},"summary":{"result":"success","short":"During a conversation between a senior adviser and a customer, they discuss the customer's retirement plans and financial situation, including their retirement goals and assets. The agent updates the customer's details and discusses their income and expenses, including their insurance coverage and premiums. They also discuss the benefits of a mortgage program and the importance of income protection and premiums. The conversation includes questions about the customer's investment portfolio and their preference between low fee ETFs and high fee ETFs, as well as updates on their retirement goals and retirement strategy. They also mention the need for a new retirement strategy and the process of updating retirement goals and including a new retirement strategy."},"intents":{"segments":[{"text":"I kinda wanna evaluate that a bit and also my super as well.","start_word":182,"end_word":194,"intents":[{"intent":"Evaluate situation","confidence_score":0.053208236}]},{"text":"So what I'll do in this situation, what I gotta do is basically update some of your details, see Yep. what I can note down in your fact find in terms of assets, liabilities, Yep. what's changed, and then I'll pretty much come up with a bit of a game plan with you on how you're tracking and whether we need to adjust anything, whether it's Yep.","start_word":268,"end_word":334,"intents":[{"intent":"Update details","confidence_score":0.2635264}]},{"text":"I'm just pulling up your super account now. And while I'm doing that, with the separation, has that finalized in terms of a property settlement? Well, no.","start_word":343,"end_word":369,"intents":[{"intent":"Finalize super account","confidence_score":0.08588313}]},{"text":"Well, no.","start_word":368,"end_word":369,"intents":[{"intent":"Negotiate property settlement","confidence_score":0.009334341}]},{"text":"So as far as other assets go, so the property is gonna clear maybe $40,000 each.","start_word":802,"end_word":817,"intents":[{"intent":"Manage asset portfolio","confidence_score":0.00025625504}]},{"text":"One thing I wanted to do, I'm gonna jump into the super now, but just in terms of I know it's early, but goals wise. So once everything kind of settles, do you already have a bit of an idea of what the kind of next steps are for you, or do you wanna kind of revisit that later? Well, no.","start_word":1037,"end_word":1097,"intents":[{"intent":"Discuss super goals","confidence_score":0.118956305}]},{"text":"I'm having a quick look at the the four policies, the way they're split, and everything like that.","start_word":1349,"end_word":1366,"intents":[{"intent":"Discuss policy details","confidence_score":0.012417864}]},{"text":"Now, well, this is what I wanna avoid because it seemed to go up quite a lot last year. It was up, like, 25%.","start_word":1998,"end_word":2021,"intents":[{"intent":"Avoid unnecessary expenditure","confidence_score":0.009432571}]},{"text":"So the idea is as you pay debt down, you can trim it down, or you have to shop around every couple of years.","start_word":2083,"end_word":2106,"intents":[{"intent":"Cut debt","confidence_score":0.029302947}]},{"text":"So I need to do a couple of checks because not only do we do a bit of a trim down, I can like, it's been a couple of years just about. I can shop around and see if there's someone that's more affordable there. Like, I know MetLife did a pretty good deal initially. Yep.","start_word":2165,"end_word":2220,"intents":[{"intent":"Explore affordable options","confidence_score":0.074427746},{"intent":"Explore options","confidence_score":0.05132495}]},{"text":"So is there no default insurance with any of the super?","start_word":2248,"end_word":2258,"intents":[{"intent":"Confirm default insurance","confidence_score":0.004336932}]},{"text":"It's it's necessary because I've got my own business and it's not like I've got work cover or anything, you know. Yeah. Yeah.","start_word":2312,"end_word":2334,"intents":[{"intent":"Consider personal business coverage","confidence_score":0.000018355187}]},{"text":"I mean, that I have to take on the chin, I suppose. There there But is a bit of a trade off that you can consider, and it's it's purely up to you here, is you can adjust the waiting periods and the benefit periods.","start_word":2359,"end_word":2403,"intents":[{"intent":"Adjust waiting periods","confidence_score":0.21208468}]},{"text":"possible is if you go, okay. If I'm out of work for a month, this will kick in. But if you've got some savings built up, you can extend it out to sixty or ninety days, and that reduces it quite heavily. And then you've got the option to reduce the benefit period per injury from five years to two years.","start_word":2407,"end_word":2467,"intents":[{"intent":"Reduce benefit periods","confidence_score":0.22101842},{"intent":"Discuss benefit reduction","confidence_score":0.006374707}]},{"text":"So if Yep. you want, I will look at a bit of a reduction of the life in TPD to 500,000 flat, and then we can revisit altering Yep. the income protection next year.","start_word":2545,"end_word":2578,"intents":[{"intent":"Inquire about changes","confidence_score":0.0011878768}]},{"text":"I still will just do a bit of a search on providers because if I see something amazing, that's like a 40% savings. I'll bring it up with you. But Yep.","start_word":2584,"end_word":2614,"intents":[{"intent":"Search providers","confidence_score":0.019971197}]},{"text":"Is it about 5,000 a year or something?","start_word":2679,"end_word":2686,"intents":[{"intent":"Set up monthly expenses","confidence_score":8.166372e-7}]},{"text":"So when I look at the super, do you want me to consider what it looks like with the 30 slash 32 and a half going in there in terms Yep. of projections going forward? Like, I'll update your your advice Yep. with the insurance premiums and what Yep. that does. Yep.","start_word":3099,"end_word":3150,"intents":[{"intent":"Update and update information","confidence_score":0.0010289098}]},{"text":"of projections going forward?","start_word":3130,"end_word":3133,"intents":[{"intent":"Discuss projections","confidence_score":0.03597408}]},{"text":"Like, I'll update your your advice Yep. with the insurance premiums and what Yep. that does. Yep.","start_word":3134,"end_word":3150,"intents":[{"intent":"Update advice","confidence_score":0.030026034}]},{"text":"So the cap's the cap, and then all the expenses under the hood, they all get these 15% rebates, but they don't allow you to do extra to cover all the expenses. So the insurances don't extend your cap or anything like that. Okay.","start_word":3200,"end_word":3243,"intents":[{"intent":"Confirm coverage","confidence_score":0.0028514548}]},{"text":"again, when we look at the income protection, we can also have a look for any lump sums to do Next one is for you.","start_word":3299,"end_word":3323,"intents":[{"intent":"Discuss income protection","confidence_score":0.37441278},{"intent":"Discuss lump sums","confidence_score":0.44341144}]},{"text":"400 a week that's going in there at the moment, it's listing as member voluntary through BPAY. Do you normally Yeah.","start_word":3344,"end_word":3364,"intents":[{"intent":"Discuss member voluntary","confidence_score":0.0021521733}]},{"text":"just I'm go also through doing that notice four of intent yeah.","start_word":3365,"end_word":3376,"intents":[{"intent":"Consider notice four","confidence_score":0.005917539}]},{"text":"And then do you normally just do the form to claim them as a tax deduction before you do your tax return every year?","start_word":3506,"end_word":3529,"intents":[{"intent":"Calculate deduction form","confidence_score":0.14603537}]},{"text":"One good thing, though, is all of the investment options are doing fantastic. You've got battery tech and lithium up a 101%. Gold's up just under 20 international shares. So all overall, you still clear the 12% return after fees, which is Oh, above that's the bad. 10 for Yeah.","start_word":3787,"end_word":3836,"intents":[{"intent":"Evaluate investment options","confidence_score":0.13692091}]},{"text":"got the most investment options in the country, so I can pick a really good one, get the Yep. fees down a bit, and it's done better, you know, short term, medium term, long term. Yep.","start_word":4206,"end_word":4241,"intents":[{"intent":"Evaluate investing options","confidence_score":0.009054091}]},{"text":"it's just around the estate planning in terms of beneficiary nominations, whether you wanted to still leave them as is or if you had someone else that you wanted to now switch for the No. nomination.","start_word":4687,"end_word":4722,"intents":[{"intent":"Discuss beneficiary nominations","confidence_score":0.00088846526}]},{"text":"So in terms of retirement, are we still just hitting, like, a nice normal kind of age 65, Yeah. 67?","start_word":4832,"end_word":4851,"intents":[{"intent":"Confirm retirement projection","confidence_score":0.00069181196}]},{"text":"The extra contributions impacts it by from about 1.4 to 1.6.","start_word":5064,"end_word":5074,"intents":[{"intent":"Clarify impact of extra contributions","confidence_score":0.0002633828}]},{"text":"And it's keeping my my shares out of that. It's just because I'm playing with that to try and get the extra in there Yeah.","start_word":5318,"end_word":5342,"intents":[{"intent":"Keep assets","confidence_score":0.019302819}]},{"text":"So I've got a bit of a game plan. Does all that kind of make sense to start with while I build the plan and do the research?","start_word":5351,"end_word":5378,"intents":[{"intent":"Plan strategy","confidence_score":0.00020138048},{"intent":"Build plan","confidence_score":0.057488065}]},{"text":"So I've got a bit of a game plan. Does all that kind of make sense to start with while I build the plan and do the research? That sounds really good, Tom.","start_word":5351,"end_word":5383,"intents":[{"intent":"Complete research","confidence_score":0.019974181}]},{"text":"we can kind of discuss what the services look like. If I can maintain it, I will, but it's a Yep. request that I would have to put through next year. Yeah. I understand.","start_word":5648,"end_word":5681,"intents":[{"intent":"Discuss services","confidence_score":0.3105551}]},{"text":"I'm just quickly checking the updated goals here because I've got the retirement goals set in there. We've got the updated sort of property settlement to bedroom as the idea for the next twelve months Yep. and just kind of altering the insurances a little bit. That's what I'm putting in there as goals. Yep.","start_word":5824,"end_word":5878,"intents":[{"intent":"Review goals","confidence_score":0.0025205289}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Matthew. It's Tom here, senior adviser. How are you going?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.22120122611522677},{"text":"Good, Tom.","start_word":12,"end_word":13,"sentiment":"positive","sentiment_score":0.4294939935207367},{"text":"Yourself?","start_word":14,"end_word":14,"sentiment":"neutral","sentiment_score":0.2859499454498291},{"text":"Right. Living the dream so far. It's a cool evening, and the week is flying by pretty quick already.","start_word":15,"end_word":33,"sentiment":"positive","sentiment_score":0.6763308644294739},{"text":"What about your end?","start_word":34,"end_word":37,"sentiment":"neutral","sentiment_score":0.184709832072258},{"text":"Nice. Good. Good.","start_word":38,"end_word":40,"sentiment":"positive","sentiment_score":0.4830645024776459},{"text":"Sorry I missed your call. I didn't see it pop up, so No. all It's okay. good. It But didn't yeah. actually ring through, so I don't think you would have seen it. It just went straight to voice mail, and I was like, oh, I'll send That was him a great. text just in case. Yeah. No worries. But, yeah, I just wanna have a chat. My situation sort of changed a bit. I've had Yeah. a separation in marriage, and so I'm I'm looking first of all, I suppose my insurances, I kinda need to relook at, I think, because I've I've I've had for about a year just it's just ticked over a year now. There was a quite a big jump in the premium even after one year. It went up sort of, like, 25%. So Yeah. I kinda wanna evaluate that a bit and also my super as well. I need to sort of make sure I'm on track. I'm sort of trying to put in 500 a week at the moment, which is not a small amount. So I'm hoping to do 30 a year. So I just wanna make Yeah. sure I'm sort of, you know, sort of in the loop in seeing what's sort of going on because I haven't sort Yeah. of looked at it for a while. So what I'll do in this situation, what I gotta do is basically update some of your details, see Yep. what I can note down in your fact find in terms of assets, liabilities, Yep. what's changed, and then I'll pretty much come up with a bit of a game plan with you on how you're tracking and whether we need to adjust anything, whether it's Yep. the insurance or the super. Yep. So Yep. I'm just pulling up your super account now. And while I'm doing that, with the separation, has that finalized in terms of a property settlement? Well, no. Basically, we're sort of going through a mediation sort of thing now. So it's only been, Yeah. you know, sort of four months. So, yeah, it's sort of been we we had an investment property, which is just well, it's settling actually as well as we speak. But Settling of style. yeah. So, I mean, that's not a great, you know, huge profit we gotta make out of that. But regardless, I suppose, you know, we haven't got to the part of, you know, separating super or anything like that at the moment. So it's not Yeah. yeah. We're not inked So up to that page. that's some of the the considerations that I have to do as well because once you go through and that's finalized is I need to take a bit of stock in where that lands and see Mhmm. how much we need to do in terms of, like, catching up the super, how that's actually projecting, and Yep. things like that. When I've got some final figures, that'll help a little bit, but I will check the super with you today. But just bear in mind, there'll be a couple things that'll be on hold. Yep. Yep. So just quickly with the investment property, I last had it listed when you spoke to Kyle at six hundred and fifty thousand value owing $3.80. Do you know what the new figures are? Look.","start_word":41,"end_word":606,"sentiment":"neutral","sentiment_score":0.011404384348817931},{"text":"It's going way down since then.","start_word":607,"end_word":612,"sentiment":"negative","sentiment_score":-0.33641770482063293},{"text":"We sold it for about $4.30, I think it was in the end. Sorry. Hang on. Yeah. It was no $5.30 Yep. and then $5.30. we owed we still owed sort of 400 on it. So they might I'd I'm I'm sort of I think we gotta probably end up with 40 each at the end of the day. Yep. So, yeah, so it's not a great great result, but it is what it is. But Yeah. and then what I've got in super, and then we still have to sort of get on the track. I think some of my wife's suit might go to me. I'm not sure. But, yeah, might might be another maybe 80 to 100 coming off that. But it won't be for a while. It might be for months. Yep. Yeah. Okay. So you think it might actually come into your account? Yeah. I think so. It's got well, I think we gotta be a while off that because it's still gotta get a a group mediation, which might be in a few months. I'm not sure at the moment. Yep. No worries. So as far as other assets go, so the property is gonna clear maybe $40,000 each. We did have two vehicles listed. One was for the partner. One was a u for yourself that you still had a bit of debt on. Yeah. And then we had some shares and tools was the main assets. Yeah. I've got shares probably 55 now. Savings wise and all that, I suppose it's, you know, about Yep. 50. So yeah.","start_word":613,"end_word":878,"sentiment":"neutral","sentiment_score":-0.06517498660132401},{"text":"Perfect. Alrighty. So that's amazing.","start_word":879,"end_word":883,"sentiment":"positive","sentiment_score":0.4787130057811737},{"text":"I'm just having a look. We've updated your address already. So let me just triple check that I've got all of that. 1 Slash 17 Surrey Street in Box Hill. Mhmm. Should be 1 Slash 17. Yep. 1 Slash 17. Sorry. And that's Yeah. in 3128. Yep. The email address that we've got on file, let me just quickly double check that one. We've got mSmithGardens@OptusNet. Yeah. That's fine. Yep. Alright. Gardens OptusNet. Alrighty. And in terms of last two sort of bit more personal update questions for you, just in terms Yep. of occupation and income, landscape Yep. gardener on about a 100,000. Yeah. It's probably a bit more than that, but yeah.","start_word":884,"end_word":997,"sentiment":"neutral","sentiment_score":0.07279166579246521},{"text":"Pretty much.","start_word":998,"end_word":999,"sentiment":"positive","sentiment_score":0.34651562571525574},{"text":"Yep. $100,100 And we did 20. have two children listed. One was 17 and 13 at the time, which was about a year ago nine months Yeah. ago. Well, I've seen now on 15. Eighteen and fifteen. One thing I wanted to do, I'm gonna jump into the super now, but just in terms of I know it's early, but goals wise. So once everything kind of settles, do you already have a bit of an idea of what the kind of next steps are for you, or do you wanna kind of revisit that later? Well, no. Like, that is definitely what I wanna sort of consider because, I mean, ideally, by 60 half 1,000,000 in super. Yeah. And I'm looking at doing, you know, the maximum of 30,000 a year as it, you know, sort of as it is up until that point. So that's Yeah. the goal for me, but whether or not I can reach that in that time. It's another issue, but might take over a bit more. Yeah. Anything property wise that you wanna kind of get another one with all the cash and Well, assets? yeah, I'm thinking of so I've gotta make my account next week or, yeah, next week and go through. Yep. I'm thinking of a two bedroom apartment, you know, so not for probably a year or so. I've just signed a lease at the moment. So, yeah, looking to buy maybe, yeah, maybe in a year. Okay. So that kinda swings me over to the superannuation portion of the insurances. So what I'm gonna kinda do do you have any of your original certificates or current insurances open in front of you? No. I don't. But I do yeah. Look. I can't, off the top of my head, recall exactly what what we've got. But I know we had income protection. We had life, and we also had the MetLife outside of that as well going The out trauma. once a month. Yeah. Yeah. Absolutely. I've got it all open in front of me. So Yep. I'm having a quick look at the the four policies, the way they're split, and everything like that. Let's just have a quick look. So income protections there, five Yep. thousand 966 per month worth of cover. That's, like, the Yep. payment that would Yep. come out to you. Thirty day waiting period, five year benefit.","start_word":1000,"end_word":1403,"sentiment":"neutral","sentiment_score":0.05595436736498729},{"text":"That's pretty perfect.","start_word":1404,"end_word":1406,"sentiment":"positive","sentiment_score":0.6363659501075745},{"text":"It's like you're out of work for a month, kicks in monthly up to five years for each injury Yep. and illness, if that makes sense. Yep. I'm just double checking your inception date. So that covers 70% of income, which is covering an income of about a $102,100 and 203,000 is being protected at the moment. So if that's okay for you, Yep. Yeah. I just mean, bear it's in mind, tight. like But, yeah, I mean, it's tight, but, I mean, that would be, yeah, the bare minimum, I suppose. yeah, yeah, it's mainly like an expense covering exercise there. And what tends to happen is, like, let's say I've recorded you as a 100,000 income, let's say, and you go Yep. and claim. You give them your twelve months financials. If they say you're protected for a 102,000, but you own a 100, they'll give you 70% on the 100,000 that you've actually got on paper. So just Right. bear in mind that it's very close, but it'll be based on the actual income at the time. Yep. Yep. Life and DPD insurance, so that's your total disability where it's like if you pass away, here's a lump sum. If you can never work again, here's a lump sum. Yep. You have 787,500 of those. And combined, they're a little bit under $2 in premiums. Yep. So I wanna kind Yeah. of run that by you because if you're gonna purchase that two bedroom apartment, have Yep. you got any idea about how much that would cost? I reckon it's between $4.50 and 500. $4.50 and 500. So Yeah. what that kind of says is that outside of debt clearance, future liabilities, you look a little bit over insured unless you're wanting that lump sum cover to replace, like, lost income for the family, kids, and so on. Yeah. I mean, if it's if there's much of a much in terms of the premium, then I'm happy to keep that going. But, you know, if there's a big difference and obviously from my insurance, I'd rather sort of bring it down. Yeah. So if I let's say 787,000 current, 500,000 flat as an example, that chops about a third of it off. So you go from, say, 1,900 down to 1,400 kind of thing would Per be my year? estimate. Yeah. Yeah. Okay. Well, look, that's if you if you do think that's a bit of over insured at the moment, that that makes a definite difference, I think, if we go for that one. Yeah. Because it's one of those things where what you want it for so step one, okay, get a a mortgage, clears the mortgage, happy days.","start_word":1407,"end_word":1860,"sentiment":"neutral","sentiment_score":0.02054019059805355},{"text":"You've got your income protection to kick in. That's great.","start_word":1861,"end_word":1870,"sentiment":"positive","sentiment_score":0.4768192172050476},{"text":"Yep. And then from there, you can insure yourself for millions and come up with all reasons for it. You can say, Yep. okay. If I can never work again, I want the mortgage paid off, but then I also want a Yep. million dollars to live off and invest and renovate the house Yep. and do all this sort of thing, and you can just add so many different things on. Yep. And K. the problem that you've got is that every January, that's gonna go up in premiums. And before you know it, just under 5,000 becomes 6 and a half, becomes 8, becomes 10, becomes 15 over Yep. the next ten years. And before you know Yep. it, then the supercombing backwards. Yep. Now, well, this is what I wanna avoid because it seemed to go up quite a lot last year. It was up, like, 25%. Oh, it's like, jeez. It's quite a kick. But is there that that's just the way it is. Is that what what happens every year? Through the fifties and sixties is when it starts to become a bit of a hockey stick, and that's what I'm saying where it goes from, like, 3 to 15,000 a year over a ten year period. So the idea is as you pay debt down, you can trim it down, or you have to shop around every couple of years. Yeah. Well, this is the thing. I think I've sort of I'm still playing a bit of catch up. So I need to yeah. I mean, I need, obviously, to get the super up, but it's a catch 22. It eats into the super, doesn't it? So Yes. what what's the best course of action with that then? So I need to do a couple of checks because not only do we do a bit of a trim down, I can like, it's been a couple of years just about. I can shop around and see if there's someone that's more affordable there. Like, I know MetLife did a pretty good deal initially. Yep. Yep. Yep. It hasn't been long enough that there would be too many, but I'm gonna just do the due diligence, research the market, and see. Yeah. So is there no default insurance with any of the super? You can get default cover when you apply for an account, like, within sixty days. You can get a bit of a default cover added there. But the main one for you at the moment, the kicker is the income protection.","start_word":1871,"end_word":2299,"sentiment":"neutral","sentiment_score":-0.01363527681027259},{"text":"That's kind of your most expensive one.","start_word":2300,"end_word":2306,"sentiment":"negative","sentiment_score":-0.4218490719795227},{"text":"Yeah. Yeah. I understand that. It's it's necessary because I've got my own business and it's not like I've got work cover or anything, you know. Yeah. Yeah. So I understand that's and and I think that is the bare minimum, you know, income protection wise that I would need. So yeah. I mean, that I have to take on the chin, I suppose. There there But is a bit of a trade off that you can consider, and it's it's purely up to you here, is you can adjust the waiting periods and the benefit periods. So what's Yeah. possible is if you go, okay. If I'm out of work for a month, this will kick in. But if you've got some savings built up, you can extend it out to sixty or ninety days, and that reduces it quite heavily. And then you've got the option to reduce the benefit period per injury from five years to two years. Well, maybe So it's that's more like something short we term. look at when it's further down the track, like, when I build the super up a bit more. And that's the thing, like, even with, you know, the settlement and and also if there's some extra super going in through my wife's account, then, yeah, maybe in a couple of years, I can kinda look to do that, I suppose. Yep. Might be the best way. So if Yep. you want, I will look at a bit of a reduction of the life in TPD to 500,000 flat, and then we can revisit altering Yep. the income protection next year. Yeah.","start_word":2307,"end_word":2579,"sentiment":"neutral","sentiment_score":-0.026477970732137177},{"text":"That's cool.","start_word":2580,"end_word":2581,"sentiment":"positive","sentiment_score":0.4164453446865082},{"text":"Yep. K. I still will just do a bit of a search on providers because if I see something amazing, that's like a 40% savings. I'll bring it up with you. But Yep. if not, I'm just gonna do an alteration with MetLife because there's no you you sign the letter saying trim it down. They just do it straight away. There's no Yeah. applications and underwriting and health checks and all that kind of thing. But if there's a big difference, I will flag it for you. Yep. Yeah. So so what is it now? Is it about 5,000 a year or something? What what Yeah. with It's $5.04 gross, and then the 15% rebate drops it down to $4.05 sorry, 4 yes. 6. Yeah.","start_word":2582,"end_word":2707,"sentiment":"neutral","sentiment_score":0.07060543944438298},{"text":"It would be good to get it to that 4,000 and because I just yeah.","start_word":2708,"end_word":2722,"sentiment":"positive","sentiment_score":0.3708070814609528},{"text":"If I'm putting 30,000 in a year, then, you know, I could almost look at trying to do 35, which is tough. But at the same time, I usually get to because with my shares, I'm sort of doing okay with, like, take a lump sum out of that once a year, Yep. which I did last year. I put another 5,000 or something, and I can't remember exactly, but I plan to do the same this year. So ideally, you know, say I'm putting in 35, then what's the cap now? Is it 32? They're just increasing to 32 and a half next financial year. Yeah. And say if I'm doing that, at least that covers a portion of the insurance. Yeah. So Exactly right. does it go up to 30% after that? No. So anything above that, they look back five years to see if there's any cap that you've unused. And then outside of that, they start hitting you at that marginal rate Yeah. with the 15 We have percent got offset. I probably have got some lay low leeway there. But do you do that, or is my account gonna put We that? can help with it. The only thing that Yeah. I need from you is if you go on your myGov, they have a section there that will literally tell you you have this much to use the last five financial years, and they'll break down every year for you. So I can even guide you through there if you wanna hop on my gov now, or we can just grab that off you later. Yeah. I think grab it grab it later. Is that something we have to do before the end of the next year or after is fine?","start_word":2723,"end_word":3019,"sentiment":"neutral","sentiment_score":0.14208634197711945},{"text":"You can do it next financial year is totally cool. It just means Yeah.","start_word":3020,"end_word":3033,"sentiment":"positive","sentiment_score":0.653045654296875},{"text":"that because they look back five years, as each year progresses, that previous one gets chopped off. Yeah. I mean, that's yeah. I get it. So I'd be well under that sort of cap anyway for the last five years. So, Yep. you know, probably we'll only get to the 30 this year, but we'll look at it, I suppose, in the next financial. Yep. So when I look at the super, do you want me to consider what it looks like with the 30 slash 32 and a half going in there in terms Yep. of projections going forward? Like, I'll update your your advice Yep. with the insurance premiums and what Yep. that does. Yep. And So did you're that doing come off? Does that come four. sorry. So I'm Yep. does that come off the so it says I'll put in 32 for for for argument, say, 5,000 in insurances. Does that come off the 32? Do you know what I mean? Yeah. So the cap's the cap, and then all the expenses under the hood, they all get these 15% rebates, but they don't allow you to do extra to cover all the expenses. So the insurances don't extend your cap or anything like that. Okay. Alright. Alright. It's okay. So based I on I think the I four will have 100 some leeway with that. Yeah. I will have okay. some leeway with that last five years, so that's okay. Yep.","start_word":3034,"end_word":3279,"sentiment":"neutral","sentiment_score":0.0006066807545721531},{"text":"Perfect.","start_word":3280,"end_word":3280,"sentiment":"positive","sentiment_score":0.4575670659542084},{"text":"I won't do any at the moment. We'll just come back to that Yeah. next time. Because, Yeah. again, when we look at the income protection, we can also have a look for any lump sums to do Next one is for you. Yep. So Yep. I'll put that in as a bit of a pause in terms of lump sum. The Yep. 400 a week that's going in there at the moment, it's listing as member voluntary through BPAY. Do you normally Yeah. just I'm go also through doing that notice four of intent yeah. to claim I'm for doing it? 400 a month as well. I don't know why I did that, but I think I missed the direct debit. So there's there is 500 going in because there's an extra 400 going in once a month. So yeah. Yeah. That makes sense. I should just change Okay. So that. Do that. Just because why why I canceled it for some reason, and then when I should have did then I just kept that once a month. Some reason, it was going out once a month, and I was like, oh, no. So I I just kept that, but I still do the 400. So it is 400 away. Yeah. Yep.","start_word":3281,"end_word":3493,"sentiment":"neutral","sentiment_score":-0.017172097635101264},{"text":"Perfect. Perfect.","start_word":3494,"end_word":3495,"sentiment":"positive","sentiment_score":0.3950987458229065},{"text":"So the we'll put it in as, like, 26 currently. And then do you normally just do the form to claim them as a tax deduction before you do your tax return every year? I think you guys did it last year. So yeah. Yep.","start_word":3496,"end_word":3540,"sentiment":"neutral","sentiment_score":0.09861047565937042},{"text":"Perfect.","start_word":3541,"end_word":3541,"sentiment":"positive","sentiment_score":0.3672410249710083},{"text":"And I'll do a projection to show you what the 32 and a half does as well Yep. just so you can see the difference between the two. Got that, and we've got that.","start_word":3542,"end_word":3575,"sentiment":"neutral","sentiment_score":0.1317233294248581},{"text":"Now in terms of balance, you've had a pretty pretty solid buy in from your contributions, which has been really good.","start_word":3576,"end_word":3596,"sentiment":"positive","sentiment_score":0.519631028175354},{"text":"I know you had a bit of a rough period in 2025, but the last twelve months is looking really good just in terms of balance going from that sort of 69 up to 88 and a half even with the market dropping. Yeah. Certainly did.","start_word":3597,"end_word":3642,"sentiment":"neutral","sentiment_score":0.2526461184024811},{"text":"So that one's well, that's a bit of a the high growth roller coaster for you is a bit fun.","start_word":3643,"end_word":3662,"sentiment":"positive","sentiment_score":0.5032193064689636},{"text":"Yeah. Well, I'm doing it with my share account. I was getting 40% when I was thinking I was a bloody genius. I think I was Warren Buffett, but now I'm on 10%. So, anyway, Yep. I get it. What do they call that? The risk return trade off where when everything's going up, everyone's excited, and then they panic when it goes down. And then after a few of those, you become a bit more calm to it. Yeah.","start_word":3663,"end_word":3742,"sentiment":"neutral","sentiment_score":0.15613832864910365},{"text":"I think But it's it it's called seems a shit like a sandwich, lot.","start_word":3743,"end_word":3756,"sentiment":"negative","sentiment_score":-0.36733779311180115},{"text":"actually, Tom. But anyway, call it what you want. Yeah. That's it. That's the one that you're allowed to say, and I'm not on a record call, but I agree.","start_word":3757,"end_word":3786,"sentiment":"neutral","sentiment_score":-0.014443380758166311},{"text":"One good thing, though, is all of the investment options are doing fantastic. You've got battery tech and lithium up a 101%. Gold's up just under 20 international shares.","start_word":3787,"end_word":3815,"sentiment":"positive","sentiment_score":0.5617749691009521},{"text":"So all overall, you still clear the 12% return after fees, which is Oh, above that's the bad. 10 for Yeah. the benchmark. Because last time I heard it was 9%, and I was like, oh, jeez. Yeah. Look. Some years, you're even gonna be down 25, and then it'll go up 40, and that's just as long as you're in high growth, that's kind of the the roller Yep. coaster we do to Yep. average out for a decade, and then we reduce the risk down once it's built. Yep. Yeah. That's cool. There is one thing That's I'll fine. do, though, is sorry to interrupt you. One investment Yep. option is kind of it's not doing too well, the Australian shares. It's, from what I can see, down 16. The rest of the portfolio is looking really good. So if I'm gonna be updating the insurances, I may just replace that option just to get a bit of an engine tune up going. Yeah. Because that's what I've that's all I do every day is just listen to podcast about it. And apparently, yeah, this trial is pretty pretty short at the moment. So Yeah. And it's one of those things where this option's going down a bit further than the other ones, and I wanna kind of just bring that back in line a little bit. yep. Do you have a bit of a preference between that kind of low fee, passive style versus the higher fee, try and beat the market, get a higher return style? Do you have a preference? What gets the best result really, to be honest, Tom? Like, it's sort of I know I have yeah. Like you say, I reckon I have ten years to make it happen. So whatever's gonna work, I mean, obviously, when I get closer to 60, I don't want too much of the risk. But at the moment, I have to kinda throw caution in a little bit. Yeah. Well, one of the little improvements I can do is, like, you're in this blended style at the moment where most of them are low fee ETFs, and then that one managed funds, the Yeah. active portion hasn't been doing its thing.","start_word":3816,"end_word":4190,"sentiment":"neutral","sentiment_score":0.032604671667019525},{"text":"But there's we've got really good alternatives across all the different styles. And Hub's Yep. got the most investment options in the country, so I can pick a really good one, get the Yep. fees down a bit, and it's done better, you know, short term, medium term, long term.","start_word":4191,"end_word":4240,"sentiment":"positive","sentiment_score":0.44312161207199097},{"text":"Yep. And I can do a bit of a little switcheroo. Yep. And what I've noticed as well, it doesn't seem I don't know the total amount which is invested at the moment. I'm only seeing occasional buyers and of low amounts. I just wanna make Yes. sure yeah. I just wanna make sure that we're investing everything because I don't wanna sit in cash for I don't know those figures at all. So I'm just hoping that, you know, it's all invested and not just half of it sitting in cash because defeats the Yeah. So when I'm looking at your account, whole Hub's got their one purpose point 25% minimum cash Hub design. balance for the bank account. But outside Yeah. of that, everything's invested. So there's, like, 18 That's $100 sitting there ready to That's clear. Those little buys you see, you know, contributions come in, buys Yep. into the market with a dollar Yep. cost averaging. Yep. That's fine. Okay. So I could update that one option there. Now just bear on because you are in that high growth, you're kind of that 90% growth assets, shares, property, gold, you still got just shy of about 6% sitting sitting in fixed interest, which is a small portion in the Yeah. lower risk, you know, earns Yeah. four to 5% safe return.","start_word":4241,"end_word":4465,"sentiment":"neutral","sentiment_score":0.0474291044804785},{"text":"Look. The high growth's long term, fantastic. I'm just letting you know that there's a small portion that's in a little bit lower risk.","start_word":4466,"end_word":4489,"sentiment":"positive","sentiment_score":0.44207921624183655},{"text":"It's not cash, but it's the one above cash.","start_word":4490,"end_word":4498,"sentiment":"neutral","sentiment_score":0.22179463505744937},{"text":"That's cool. I get that. Cool. Alrighty.","start_word":4499,"end_word":4505,"sentiment":"positive","sentiment_score":0.6288912296295166},{"text":"So game plan from here is pretty much just go through your your settlement and everything as you do. We will get the life and TPD insurances trimmed down, portfolio tuned up, and then I'll kind of run through that with you in an updated advice document. And you can kind Yep. of say what I'm proposing, make sure you're happy. I'll do the switches, and then we'll come back around for the income protection and further contribution strategies. Okay.","start_word":4506,"end_word":4585,"sentiment":"neutral","sentiment_score":0.1868091821670532},{"text":"Cool. That sounds good.","start_word":4586,"end_word":4589,"sentiment":"positive","sentiment_score":0.5121237635612488},{"text":"Yep. I will include the 32 and a half just so you can see it as well. Yeah. Is that you know, I know you can't give me exact here, but does it look good from that perspective of what we're talking about? So that mill? Let me have a look. I'm gonna do a very, very rough on the phone Yeah. projection Yeah. here. I get it. Just let me plug in a few figures. Just while I'm updating this projection here, I do have to ask you one more sort of personal question, and Yep. it's just around the estate planning in terms of beneficiary nominations, whether you wanted to still leave them as is or if you had someone else that you wanted to now switch for the No. nomination. I mean, it would be the kids that I'd want it to go to. You know, I suppose that's the norm thing to do in this case. So but I maybe we'd look at that sort of down the track a bit more when everything's, you know, finalized. Yep. In next meeting as well.","start_word":4590,"end_word":4776,"sentiment":"neutral","sentiment_score":0.04017600309561918},{"text":"That's cool.","start_word":4777,"end_word":4778,"sentiment":"positive","sentiment_score":0.8014411926269531},{"text":"I'm just putting in here the 500 a week to start with, and Yep. then anything that goes in super, obviously, there's the the 15% that comes off of it.","start_word":4779,"end_word":4808,"sentiment":"neutral","sentiment_score":0.22607764601707456},{"text":"So I'm just gonna work that off, get you a bit more of a conservative projection here, and I'll work my way up.","start_word":4809,"end_word":4831,"sentiment":"positive","sentiment_score":0.3469240665435791},{"text":"So in terms of retirement, are we still just hitting, like, a nice normal kind of age 65, Yeah. 67? Look, hoping to be sort of 62, to be honest, but, yeah, we'll see. Okay. This alright. This is incumbent on you getting a nice high growth return for quite a while and that level of contributions for quite a while, but I'll give you a few rough figures here. So let's say we do $4.25 a week after tax. That's Yep. your your contributions currently. Yep. 10% benchmark return for high growth. You're kind of just getting shy. You're just hitting a million dollars Okay. at 65. But that doesn't take into account a slight risk reduction in those last few years. So call it $85,900,000 Yeah. just based And then so there's on benchmark. a 100 is that including the 100 thousands, like, maybe that comes in with the setup well, the the boss, I suppose, is the way to say it. But Yeah. If yeah. I add that in, a $188.05, that impacts things by another 2 to 400,000. So that Yep. pretty much guarantees based on benchmark return, your contribution level, and a 188,000 balance that Yep. you will clear that mark. Yep. And the last thing I'm gonna bump up is if I go to 32 and a half, let's call it $6.25. Bump that in there. The extra contributions impacts it by from about 1.4 to 1.6. So getting that 32 and a half in there, that's another couple of 100,000. And then for every 1% over that is another 200,000. Wow. So as Okay. long as we're getting at least 10% return, Yep. current contributions and a 188,000, it it's this weird trade off where the last ten years going from 51 to 60 is where it ramps up to that million, 1 0.2, 1.4, or 800. Yeah. Yeah. And then you've got to kind of turn the risk off so you don't just lose it all when the stock market crash at 63. Yep. Yep. Yep. But that level of contributions, high growth in that balance, you have a really strong way to catch that right up. And even if we did a, let's say, work had to slow down for two years between '60 and '62, we Yep. can do a transition to retirement strategy. So you can take some money out of super and put it back in again for a deduction and boost it up a little extra that way. Yep. There's a few things that we can do. Yep. So looking pretty good as long as we can maintain that. But, again, it's pretty much just gonna be every year. We just have an updated discussion Yep. what's going on in the markets, what do we need to fine tune, and your outcome is gonna be somewhere between $8.50 1.4.","start_word":4832,"end_word":5313,"sentiment":"neutral","sentiment_score":0.08905967994287796},{"text":"That's good. That's good.","start_word":5314,"end_word":5317,"sentiment":"positive","sentiment_score":0.5495854020118713},{"text":"And it's keeping my my shares out of that. It's just because I'm playing with that to try and get the extra in there Yeah. once a year.","start_word":5318,"end_word":5345,"sentiment":"neutral","sentiment_score":0.1392892599105835},{"text":"So, yeah, that's good. Cool.","start_word":5346,"end_word":5350,"sentiment":"positive","sentiment_score":0.4166329801082611},{"text":"So I've got a bit of a game plan. Does all that kind of make sense to start with while I build the plan and do the research?","start_word":5351,"end_word":5378,"sentiment":"neutral","sentiment_score":0.1356303244829178},{"text":"That sounds really good, Tom. Awesome.","start_word":5379,"end_word":5384,"sentiment":"positive","sentiment_score":0.5548209547996521},{"text":"From here, I'm actually about to go on leave for two weeks. I'm having a my third baby is due next week.","start_word":5385,"end_word":5406,"sentiment":"neutral","sentiment_score":0.14283955097198486},{"text":"Good on that. Good on that. Good on that. Congratulations. Thank you.","start_word":5407,"end_word":5418,"sentiment":"positive","sentiment_score":0.5856398940086365},{"text":"So two boys, and I've got a girl on the way. So I'll be on paternity leave for a fortnight, and then that's basically what when the team does the research while I'm away. Yep. And then I'll build that plan, and they'll book you in to go through it with me. And then we'll Yep. do another catch up, you know, six months later to go through steps two. No. I'm happy with that time and it's yeah. Yeah. I know it's been a few mix. Not well, there's been a few changes to half as well, so it's good that I can I can sort of rely on you?","start_word":5419,"end_word":5529,"sentiment":"neutral","sentiment_score":0.08520834147930145},{"text":"That's good.","start_word":5530,"end_word":5531,"sentiment":"positive","sentiment_score":0.5112805366516113},{"text":"Yep. I will pretty And much also be looking the fee through fee is everything. why because yeah. Sorry. Just You go. the bottom of my mind. Sorry, mate. It's just the I think we get a discount on the fees because we're a couple you know, we got some discount on the percentage that we're getting charged. Does that still Yes. apply? So I'll pull up the service agreement at the moment. Let's have a little look. So your service agreement still runs through till October 2026 currently, Yep. and it doesn't expire until March 2027. Yep. It'll be one of the things where I'll have a discussion with you towards that endpoint, and Yeah. we can kind of discuss what the services look like. If I can maintain it, I will, but it's a Yep. request that I would have to put through next year. Yeah. I understand. Is it one Yep. point what is it now? One point? Yeah. So it was 1.65, and the couple's discount's 1.1. Yeah.","start_word":5532,"end_word":5703,"sentiment":"neutral","sentiment_score":0.04238796979188919},{"text":"It's a good difference.","start_word":5704,"end_word":5707,"sentiment":"positive","sentiment_score":0.3821343183517456},{"text":"Yep. And then once you hit 600,000, that's when it flat caps. And, again, everything after that because we've got the clients 1,000,000, 2,000,000, that kind of thing, and we Yep. have to put a bit of a cap at the 600 mark. Yeah. I get it.","start_word":5708,"end_word":5754,"sentiment":"neutral","sentiment_score":0.061069457454884304},{"text":"That's cool. Cool.","start_word":5755,"end_word":5757,"sentiment":"positive","sentiment_score":0.6199511289596558},{"text":"Any questions so far, or does No. That's that sound good.","start_word":5758,"end_word":5768,"sentiment":"neutral","sentiment_score":0.18575771152973175},{"text":"good?","start_word":5769,"end_word":5769,"sentiment":"positive","sentiment_score":0.3547240197658539},{"text":"Cool. If you have any questions in between and something changes, you wanna have a chat while I'm away, we do have Larissa, our head of advice, and the rest of the advice team still available. But if there's any emergencies, they'll contact me as well. Yep. Yeah.","start_word":5770,"end_word":5817,"sentiment":"neutral","sentiment_score":0.13959693908691406},{"text":"No stress. That's all good. Cool.","start_word":5818,"end_word":5823,"sentiment":"positive","sentiment_score":0.4737406373023987},{"text":"I'm just quickly checking the updated goals here because I've got the retirement goals set in there. We've got the updated sort of property settlement to bedroom as the idea for the next twelve months Yep. and just kind of altering the insurances a little bit. That's what I'm putting in there as goals. Yep. So, I mean, I'm sort of toying with the idea. So if I get 40,000 out of this settlement, whether I put it in straight into super, but I think I might need the cash on hand for a deposit on the on the apartment, so in a year's time. But you didn't include, say, that 40,000 going into super digit. No. No. So what I'm sort No. That's of saying fine. is potentially a 100 is what Yep. we're I'm not even gonna include it now until it's a reality. Yep. Outside of that, I'm saying property settlement 40 goes into cash alongside Yep. the 55 in shares and the 50 in savings Yep. Okay. for the time being. So you did include the 100 if we go over that. If we put that in, it makes a big difference. But either way, it'll be close to 1,000,000 without that even, but that should go in anyway. So alright. Cool. Yeah. I'll get it. That's cool. No. That So looks if good. we attack it from three, four angles, pretty well, good chance to get there. Yep. Yeah.","start_word":5824,"end_word":6067,"sentiment":"neutral","sentiment_score":0.06039495766162872},{"text":"Good stuff.","start_word":6068,"end_word":6069,"sentiment":"positive","sentiment_score":0.40156757831573486},{"text":"Alright. No probs.","start_word":6070,"end_word":6072,"sentiment":"neutral","sentiment_score":0.14246788620948792},{"text":"Awesome. Alright, mate, mate. Appreciate your time today. I will work my magic and do my thing. And then in about four weeks' time, you'll get booked in with me, and we'll run through the the plan together.","start_word":6073,"end_word":6110,"sentiment":"positive","sentiment_score":0.5358119606971741},{"text":"Yep. And Yep.","start_word":6111,"end_word":6113,"sentiment":"neutral","sentiment_score":0.23406073451042175},{"text":"then I'm good to go. Sounds good, Tom. Very good. Awesome, mate. You have a great night. Anything you need, just call straight back. You too, mate. Have a good break, and, yeah, congratulations too. I will. Thank you so much, Matt. Good on yourself. Cheers, mate. Bye. See you.","start_word":6114,"end_word":6163,"sentiment":"positive","sentiment_score":0.6497051119804382},{"text":"Bye.","start_word":6164,"end_word":6164,"sentiment":"neutral","sentiment_score":0.2175036519765854}],"average":{"sentiment":"neutral","sentiment_score":0.0744259955666282}}}}