{"metadata":{"transaction_key":"deprecated","request_id":"019ed3eb-a7f0-7c11-98f7-00a16b69f011","sha256":"e4c8a64a3802b41dcf23b4a7e68f9c859c11e0d8cd4993cce4084ce7e34f2a8b","created":"2026-06-17T04:51:40.349Z","duration":4415.832,"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":14652,"output_tokens":117},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":16197,"output_tokens":16228},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":16197,"output_tokens":1246}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Frank. Robin, can you hear me better now? Hi, Frank. It's Dana from Oakview. Can you hear me better? Yep. Fantastic. Much clearer. Oh, good. Good. Good. Well, I won't yell into the phone too much. Just tell me to to slow down. Get a bit quieter for you. All good. Just before we jump into the call again, I just need to do a quick security check there with you. I have emailed some documents to you, but we can kinda go through those shortly. Can I get you both just to confirm your date of birth for me and the address of where you should be the address I should have on file? Yep. Beautiful. Thank you so much for that. And, Frank, I'll describe your date of birth there for me. Legend. Thank you so much for that. So just to give you guys a bit of an update on your super now I have sent you the annual review documents to you. They have been sent through from a different system for what we used to use. We used to use DocuSign, which you could kinda open and review the documents. With OdooSign, you can do the exact same thing. It's just they added as attachments on the front of the email. So I have been finding some people struggle a little bit with opening up the attachments. So if you like, what I can do is I can give you both a bit of a run through on your super balanced performance, and then you're welcome to review those documents a bit later. Does that sound okay at all? Yeah. That's okay. Don't wanna make it too difficult. You guys probably had a big week as well. All good. So, Robin, I'll give you a bit of an update first. Now having a look at things, you did do a bit of a withdrawal earlier this year. Having a look at things that your balance last year when we sort of caught up to do your annual review, which was late last year there, the balance was about a 150,020. You did do a bit of a withdrawal earlier this year as well, so that does affect the balance. But your balance at the moment is about $135,008.66, and your performance has not done too bad. So whilst the super, well, while the markets as a whole have been a bit volatile going up and down a lot with what's been happening between The US and the Iran, with that war out there, you've actually come out with a positive 6.26% return at the end of the year, which is great. And that's, yeah, giving you total earnings in your portfolio of about $10,992. So you have made some money in your portfolios after the year, which is good to see. Yeah. 135,000. Yep. Sorry. I've got it here. My apologies. My computer just had a little bit of a moment. 135,866 and 81¢. Yeah. Beautiful. So it is really good to see. Now I have also had a bit of a look at your portfolio underlying. I know last year when we spoke, we were looking at maybe making some alterations to, you know, see where we were tracking. I also wanted to sort of touch base today to have a bit of a chat about making some changes to both of your portfolios as well because I have, after doing some research, noted some of the investments are underperforming a little bit. So we wanna make sure that whilst you're not taking too much risk in the market, that, you know, your super is performing at its best as well. Okay? Frank, to give you a bit of an update there, when we sort of caught up last year, your balance then was $89,841.09. Speaking now, your balance is 89,370 and 82¢. So it has just gone down a little bit there, and that is because of the ups and downs the market is seeing. It's mostly just with the market ups and downs. But when we sort of look at performance wise, you still have had a positive return inside your portfolio. So you still come out with a positive 2% return net of fees, and it does mean your portfolio has made about $3,951 there. It's just that those market fluctuations have affected that return. And at the moment, the balance is down slightly because of the ongoing the ongoing ups and downs the market is seeing. But, realistically, I mean, if I look back to this time last year, your balance then was 86,000. So it is still steadily increasing. It's just from when we spoke in August to now, there's a slight drop in in your balance. That's all. And it's only of a couple of $100 there. So I do expect to come back and recover a little bit moving forward. Okay. All good. The other thing I sort of wanted to talk to you both about, as I kinda mentioned before, I've looked at both of your super funds. You both do have and have been recommended in the past the Banda Long Australian Equities investment. When you are looking at the internal rate of return report, that's probably one of the investments that is underperforming in both of your supers at the moment. Now when we kind of did when you did get the last advice document a couple of years back, and this was recommended in there, the main objective to having this investment in your super is that the investment manager within that spend along Australian Equities Fund, they are essentially trying to pick the market, time the market, and buy and sell investments that, you know, basically time when they can get into the market and buy investments that are low that they see additional growth for. And this investment manager is supposed to be trying to trade against the market and and try to make sure that the fund is outperforming the market to try to get a much greater return. When I sort of had a look at how they're performing and what's been going on, over the last year, Banda Long has not been able to do that, and I don't know if you sort of had a look at that investment over the past few years. But from COVID onwards, they have had a bit of up and downs. They've had some years which have been really great and other years which have struggled heavily. With the most recent struggles they've had, I've had a bit of a look, and I don't believe they're a good investment any longer. I wanted to sort of maybe look at taking that out there for you, replacing it with something else. I've actually been having a look, and I wanted to get both of your thoughts on this. So because that investment is more of an actively managed investment in your fund, they normally hold between 15 to 25 different investments. If you wanted to, I have a couple of options which might actually be a bit cheaper in investment fees. Does give you greater diversification. Instead of having, you know, 15 or 20 investors in the fund, have about 200. So it gives you greater diversification and might be a bit cheaper in administration fees and investment fees. Would you like me to look at a cheaper investment for you, or do you have any questions about that? Yeah. Yeah. Yep. Did you want me to sort of try and lower the cost of maybe investment fees for you so that you're not paying as much in investment fees for investment? Yeah. Okay. Beautiful. I've had a bit of a look. There's a few different options that work really well. One of the things that I have sort of been finding that a lot of my older clients are looking to do is, a, to save a little bit of money and fees, which is important, but also have investments that have been working a little bit more. But also with what's been happening in the markets globally at the moment, maybe creating greater diversification and trying to lower risk a little bit more. Is that something you're wanting me to sort of look at and focus on? Yeah. Yep. Absolutely. This level is beautiful. I have a couple of options for investments to replace Bannalong. I just wanted to sort of note that this has been underperforming a little bit, so we it's time to remove that for you and see if we can update both of your portfolios. You both do have quite different portfolios there. And I just wanted to sort of gauge where we're at. Now we did a risk profile when we spoke in August last year. And having a look at things, the current risk profiles, frankly, you're more in an older defensive portfolio. So that's essentially meant to be a little bit more lower risk, more income producing. We do expect lower returns from these portfolios, but it's more about giving your super longevity, holding on to your capital as long as possible. Do you when we kinda did that risk profile for you both, you both came out as more of a balanced investor. So that essentially sees about 60% of your super invested in areas of growth, like international shares, Australian shares, gold and silver, and also, you know, property, and then the other sort of 40% in lower risk defensive investments like cash, bonds, and fixed interest. This investment normally suits someone who has about three years before wanting to access their super whilst, Frank, I know you're already retired. Robin, do you feel like you're wanting to sort of stop working in the next couple of years, or what's your aim for? How how much longer you wanna work? Okay. No. That's alright. So you're happy to continue that for a bit longer. Yeah. Yeah. Because you've only just turned 65. Yeah. No. Excellent. So looking at when you're able to access age pension and then kind of give up work completely and retire, not a problem at all. And, Frank, you're getting the age pension at the moment. You're still reporting every fortnight based on Robin's income. Is that right? Yeah. Yeah. That's okay. You're not wanting to sort of drop hours to maximize the age pension. You're sort of happy with the way it's working at the moment? Okay. Yep. That's okay. And Frank, do you wanna start do you need to start maybe accessing a little bit of money out of your super, or are you wanting to hold off on that for a bit longer? Yep. Yeah. Yeah. That's okay. Not a problem. I just access whenever you do need. Do you think you might need a little, a withdrawal in the next couple of months at all that I might be able to factor into the advice for you? No. It does. It does. I don't know, Frank. Do you wanna go on holidays? You did. You did. And that was I remember that's the reason you took the funds out for that last withdrawal. And how was that? Yeah. They go fast. Yeah. Yeah. No. Not a problem. Not a problem at all. So, essentially, with this advice piece, I'll just sort of look at maybe restructuring the investments, look at the cost, any tax consequences your super needs to factor in, keeping you both in the super, you know, accumulation kind of area at the moment, not withdrawing any additional funds currently. And just sort of looking at longevity wise, what this might mean. Did you want me to sort of look at it in the next fifteen months and maybe factor in, you know, the expected age pension entitlement for you both, Robin, when you do get to that age to see what that might look like? Yeah. That's okay. Not a problem. Okay. No. That's yeah. No. That's okay. So having a look at I mean, when we sort of looked at that last time and we in August, we looked at the balanced portfolio, which sorta has that sixty forty split. Do you want to maybe have more defensive investments rather than that 60% growth, or would you rather see a little bit more growth? What's yep. I could I could try to make it so we see about a fifty fifty split if you want. I can look to create a portfolio that sees 50% in those low risk defensive investments like cash, bonds, and fixed interest, which is where we get income from. They do get a lower rate of return, but they're there for security and income producing. They pay out, you know, regular dividends and income, which gets reinvested back into your super. And then I could look to maybe keep 50% in that growth area with those Australian and international equities and gold and silver and things like that. Did you want me to kind of restructure it to give you more of a balanced approach fifty fifty? Yep. Yep. I mean, looking yeah. I mean, looking at where you guys are at the moment, I'm just sort of seeing if I can find out what your last one was. Because I know Rob and yours is more of an older kind of defensive portfolio. And from what I can see here, Frank, you're in more of a balanced growth environment from where we were. So that's kind of that seventy thirty, split 70% in those, you know, riskier investments and 30% in those low risk investors. So bringing things down for yourself would absolutely be preferable. I'm just sorry. Gonna go into the file and have a quick look at your last advice document to sort of see what we were looking at for yourself, Robin, to see how this was put together. Sorry. Won't be a second. Gotta love computers when they wanna work. It's loading and thinking about it. Oh, isn't it great? Yeah. That's exactly right. Okay. So okay. So with this sort of defensive portfolio that we have here for you there, Robin, the way it was sort of put together from what I can see here and I'll go back, obviously, and have a really good review of things again as I go back through and redo the research for you there. But when we look at those higher risk kind of growth investments like Australian shares, international shares, a bit of property, and also some sort of, you know, gold and silver there, the way this was sort of structured was that you would see about 43.6%. So about 40 odd percent in those sorts of investments, and then the more defensive investments and lower risk, you are roughly about the same. So you're kind of in that fifty fifty split there. The idea is it's about getting some good growth and making your super work a bit harder in some areas, but then also trying to get, you know, lower risk and keep your super keep your capital there without seeing big market fluctuations, so big ups and downs. Did you want me to sort of keep it that fifty fifty split, making sure that you're not, you know, taking on too much risk? I can on yeah. Yeah. It looks like you've kind of meant to have that sort of fifty fifty split in here anyway. Sort of 48 between 43, 45, then 48. It looks like you are meant to sort of have that fifty fifty split in these older portfolios with them being in that kind of defensive environment. With the ups and downs, the market is seeing probably a really good way to look at how you think about risk and how you should be invested is if you think about risk as a number between one and five. If you say five is most aggressive portfolio, a 100% invested in those high risk investments like shares, and one is being all fully in cash and not getting much of a return. Where do you think each of you might fit in between that? Do you think it'd be more on the one, two, three, or right up near five? Where do you think you'd feel? The about a three? Yep. Okay. How about yourself there, Frank? Where do you think you might fit? About a three? Yep. Beautiful. And, Frank, do you think you'll be wanting to start trying to maybe access some of your super before Robin does turn 67, or do you think you're gonna try and hold off a bit longer and see, you know, what the both of you being on age pension looks like? Try and hold off a bit longer, sort of maybe living on the age pension fully and then just drawing down income as you need it. Is that sort of how you see your super? Is that right? Yeah. Yep. That's okay. Yeah. Yeah. When you do go on to age pension there, Robin, how much do you both need realistically to live on on, say, a weekly or fortnightly basis to for living expenses? How much do you both need to earn together? Okay. Yep. Okay. Not quite. No. Do you think you'll need to when you do retire fully need to still earn $2,000 on a fortnightly basis together? Or not sure? Did you want me to factor that in as the income that you do need to survive on? Yeah. Yeah. Yeah. Do you think you might need a little bit more on a fortnightly basis to sort of help cover those things, or are you fairly comfortable that you should be right on $2,000 a fortnight to say a thousand dollars a week? Not sure? That's okay. Because if you like, what I could do with this advice piece for you, we'll look at, you know, you making sure we retain your supers, but maybe look at the investments within that to make sure that you're in a certain risk profile that's comfortable for you, that the returns, you know, are working. But then I can also factor in based on the current because, obviously, age pension does increase in Ulta and is indexed every year twice a year. So we are working on the current scenario, but I could then obviously project out to when you're 67, look at how much you might be entitled to age pension together. It should basically be on full age pension given your current assets there. But then look at what you might need to draw down to supplement that from super and how long that might last you. Did you want me to factor that into the advice and maybe do it a little bit bigger for you both? Yeah. That's okay. Just give you a bit of an idea of where things are tracking, what it might look like. And then as we get closer and closer to that point, we can always update the advice. And if we, you know, if age pension increases a little bit more, it means you could draw a little bit less out of super to sort of survive. And that can give you a little bit more longevity as well. Does that make sense? Does that sound okay? Yep. Beautiful. Lovely. Now another really good question to kinda go through when we are looking at the portfolios, one of the biggest ones I do like to think about and ask is if you saw the market fall. So you've obviously heard on the news what's been happening with the markets over the past, you know, couple of months there with The US and the Iran war and everything else. If you saw your super balances fall by 20% because of, say, big market changes. How do you think that is making you feel? Are you feeling optimistic about the investment opportunity? Are you feeling cautious, concerned, or extremely anxious? Never have anything good to say. Oh, no. Look. In all honesty, I don't listen to the news a great deal either. I read what comes out, but I don't just watch the news every night at 06:00 because it is just awful. It's horrible. It's not fun to you know, nothing ever good happens. But I kinda just read the news that comes out from, you know, the economists and the areas that we look at at work. So I can keep up to date in other ways. Alright. All good. So, realistically, do you think you'd be more towards that sort of anxious concern sort of area? Am I right on the right track there? No. No. Of course. Definitely. Yeah. I'll tick off the anxious button there. That would make you feel pretty anxious, you reckon? Yeah. That's okay. Absolutely. And if it did happen to fall by 20%, obviously, don't want it to happen that way. But if it did, do you think you'd be calling us funny at what's going on? Are you wanting to maybe move money into cash? How do you think you might react in those circumstance? Yep. Yep. Be a bit worried going, hey. What happened to my stupid? How do I fix this? What's going on? No. Excellent. That's a really good answer. Beautiful. And when we think about average returns of what you're sort of hoping to try and obtain from your super over the longer term, are you trying to aim for the highest returns you can knowing that you need to take a bit more risk to get better returns, or do you consider yourself happy with, say, a two, four, or a 6% return on a regular bay on a yearly basis to keep your super working as long as possible? Yep. Yep. No. That's okay. That's not a problem at all. So the way you've both sort of scored and you have scored very much the same area, it is a bit different to where you scored in August, and it's a good thing we went through this again because you've scored as more of a conservative defensive investor, which is when we look at those those risky assets, this sort of portfolio would normally see about 25 to 35% in those growth assets. They're very much a a change, reducing those growth assets down. That's Australian shares, international shares, property, and, you know, precious metals like gold and silver. And then the defensive lower risk investments like cash, bonds, and fixed interest, you generally would see about 65 to 75. So it's very much a a change from where you would be when you're wanting to take on a bit more risk there. This sort of portfolio normally suits someone who has about three years that are wanting to access a super now or within the next sort of three years. The likelihood of a negative return is about one in seven years, so very much low risk. And the expected returns we'd be hoping for on a regular base, on a yearly basis, is around about sort of, you know, two to 5%. Do you feel like that is sort of comfortable for yourself? Do you feel like you wanna bring things down to that level? You're right. So at the moment, you're kind of in that fifty fifty sort of split with those growth and defensive investments. You can if you like. Did you want me to do that sort of fifty fifty split? I can look at the investments, look at how to make them, show you what that looks like, and then we can always review that and alter it again in a few months or a year's time if you decide you're not comfortable with that level. It's the more you wanna keep. Yeah. Yeah. It's kind of that juggling act. You don't wanna take on too much risk, but you still want your super to keep growing a little bit too. You wanna make it last as long as it possibly can. Absolutely. Well, I'll tell you what I would probably look at doing because, realistically, you don't wanna access the money now unless you realistically have to. At the moment, given the current age pension, you would have to probably start drawing down some out of super, but we can draw maybe a smaller amount out of each of your super accounts. That way, you get a bit more longevity out of both of them. So I can, just if you want, look at doing a portfolio that gives you that fifty fifty split that gives you 50% growth investment, 50% defensive. So you are very much lowering the risk level and keeping, you know, some growth, some low risk investments there. Look at rejigging the portfolio to see what that looks like, how that affects you. I can show you the advice documents that shows you what we're recommending you invest in, the risk level, the cost of doing so, and the future projections on how this affects your super long term. And then look at how we would draw down how long your super is expected to last given age pension circumstances when you hit 67, Robin. Does that sound okay? Yep. Sure. With portfolio wise? Yeah. It's very much not so much a stock standard. It's very much a very an individual choice, But a lot of people going into sort of that retirement aspect, I do have some people who are comfortable in that balance sort of fifty fifty area. There's nothing wrong with that in any way, shape, or form. It generally still can suit, you know, someone who's got about three years to accessing a super. You can go into retirement in that sort of area. There's nothing wrong with it. If we look at more of a balanced portfolio, which is more of a sixty thirty split, you'd be expecting or averaging returns of hopefully about five to 7% on a yearly basis. And you still have a negative return, the likelihood of a negative return, one in every seven years. So it is still lowering the risk level, still expecting good return, but just not taking a huge amount of risk at the same time. Does that make sense? Yeah. No. The fifty fifty is definitely less. The 70 30 is taking more risk. That's 70% growth investment, 30% defensive. The other first one we went through, which is the defensive portfolio, which is sort of 30% growth, 70% defensive, that one is the lowest kind of risk that you do get. But you're also taking a less returns in that kind of area. Yeah. It's kind of in between the two lower profiles there. And I can look at building a portfolio for you that is going to give you that fifty fifty split. We can incorporate maybe some commodities like gold and silver, which work both ways for you. So most people like gold. Gold's been up, you know, really well over the past couple of years. We can also yeah. I've been up very, very, very high. And it works it's a growth investment, so it does get really good growth, but it also can be defensive in nature. Because when you kinda think back to the GFC or COVID, people move money into gold as a bit of a safe haven. So I can include some gold, maybe some silver, and look at adding some commodities in there for you as well to see if that kinda helps. Yeah. And if we kind of look at this fifty fifty split to start with, if you decide in six months' time that it's not working, we can go back to the drawing board, and we can change the portfolio and reduce the risk even more. Does that sound comfortable for you both, or do you have further questions? Or that sounds okay. Yeah. It's a little bit difficult because not everyone knows what they're comfortable with, and sometimes it's a matter of just, you know, going, yep. Let's give this a try. If it doesn't if we're not comfortable with that, then we just alter and rejig it again for you. Yeah. That yeah. That's okay. Well, what I can do is I'll go back and I'll put together a portfolio for you with that kind of $50.50 split. I will show you the advice document. You'll see the investment, how much should be invested, and what this looks like in front of you in the advice document. So it'll be a little bit easier just to be able to look at that, you know, and go through the advice and read that. Does that sound okay? Yeah. That's okay. Beautiful. So I'll go back and do a bit more research on your portfolios, have a look at where we are, and we'll look at doing something with that 50% growth, 50% defensive. Oh, your super funds aren't doing too bad, but I will just go back and review those for you. And then we're looking forward to there, Robin, when you turn 67 based on the current pension rates because I can't predict what they're gonna increase to then, and also look at how much super you may need to draw out. I can look at both of your supers and work out how we draw that money out and how long that might last and show you what that looks like. Are you both comfortable with that, or have I missed anything? Is there anything else you wanted me to sort of incorporate for you? That sounds okay? Beautiful. Lovely. Now, Robin, I can also see here you have made some extra contributions to Super, which is great. I know you spoke to my colleague. That's okay. A thousand dollars is still a thousand dollars. That's quite a lot of money when you think about it. It's like a week's worth of income. Yeah. So with that at the moment, because it has been made put into the super fund as a nonconcessional contribution, that essentially means that, like, when your employer contributions go in their concessional, so taxes taken out of that contribution when it hits the fund. With the money you've been putting in, which I believe is about $20 per week. Is that right? Yeah. So that money goes in there from your after tax income, which means a 100% of that money is invested into the market. You can choose to claim it as a tax deduction. So I know Samantha spoke to you about claiming a notice of intent. So if you wanted to, with that thousand dollars that you have put in there, and you've probably got another two contributions to go in, so it'll be a little bit more than that by the end of the financial year. But what we can do is after the July 1, is we can claim what's called a notice of intent to claim against that money. That essentially tells the Superfund that you're gonna claim that thousand dollars as a tax deduction, and they would take tax out of that money. And then once that tax is being taken out, that thousand dollars, you can tell your accountant you've contributed to super, and they can add that $1,000 to your tax return to give you a tax deduction. Does that make sense? It gen when you're working, it generally can be. What's your do you know roughly what your income is for this year at the moment? Okay. Do you have do you know what your gross is before that 500? Okay. So we'll just pop the $30 on there. Yeah. That's okay. That sounds about right. So it says $5.70 gross, and that's on a weekly basis. Yeah. So just to yeah. That's that's okay. Let's have a look. So $5.70 on a weekly basis. Roughly gives you, say, a gross income, give or take, essentially, of about 29,640. So then you're making a voluntary contribution of $20 per week, which works out to be over fifty two weeks, a thousand and $40. So then if you claimed that as a as a tax deduction, it essentially and this is not including any other options. This is just kinda general looking at the numbers at the moment. But, essentially, that 1,040, if you added that as a tax deduction and claim and notice of intent, can essentially reduce your taxable income down. Where is sorry. My computer's frozen slightly because it takes into account tax changes. Six six seven. Yeah. So that would save you roughly about you get basically a whole offset. So you could reduce your taxable income by about that 1,040. Yeah. Yeah. Well, at the moment, if I'm looking at the tax bracket you're in, so you are in the lowest tax bracket. So you're in that sort of 16% tax bracket there. If I'm reapplying that, it keeps you in the same tax bracket. It just gives you a little bit more of a tax deduction, which might give you a little bit more of a refund. This, you know, help get a little bit more tax back at the end of the year, which is ultimately what you kind of want, a bit more tax back. The money when you claim that notice of intent inside super, it means the super fund does take 15% tax out of those that money. But with $1,040, it would be about a $156 in tax. So you would still have quite a lot of that money invested. You'd still have $884 roughly invested in the super fund working harder for you, and then you can claim that 1,040 as a tax deduction and hopefully get a bit more of a tax return. Does that sound okay? Yeah. So that's essentially the government co contribution. And because your income is under the threshold there, if you do make the contribution, it absolutely can count. I'm just not sure if it's if we change the contribution if it does. But making that contribution, the thousand dollars there, does make you eligible for the go the government sorry, government co contribution. And that's $500 that gets added to your suit. They don't match it anymore. They just do a maximum of $500. I just need to check if because I'm not sure if I change if we claim a notice of intent, if they still get the the tax deduction. So give me one second. I'm just gonna have a quick look on that one for you. Yeah. So if you do claim the notice of intent, it changes the contribution amount, and they don't pay the government co contributions. So, yeah, it more does well, if you don't claim that notice of intent, obviously, with the government co contribution, that's an extra $500 that goes into your super, but it also does mean that there's no tax taken out of that money. So out of the 1,040, that whole 1,040 remains invested for you. So it's completely up to you. But, realistically, I mean, the tax while it reduces your taxable income, you're in the lowest tax bracket, so it's not a huge amount. You don't get the whole 1,000. But I say, you know, it kind of goes on the amount of tax paid. But, theoretically, keeping that money non concessional in super and having it all invested and then getting that government co contribution payment up to $500, that essentially does mean you'd have more money in your super working harder for you at the end of the day and does tend does sort of show from what I'm looking at to be of greater benefit to you rather than claiming that amount back. Does that make sense? Yeah. That's absolutely fine. And you're happy to continue making that $20 every week as well up until the point you stop working? Yes. Beautiful. Yeah. Perfect. We'll make sure we have that in the advice for you as well and factor in that government co contribution for you because long term, that does mean it's a bit more money in your super working harder for you at the end of the day, which is important. Yeah. No. That's absolutely fine. Did you have more questions or want me to break any of that down a bit more for you at all? Yeah. Absolutely. Yeah. Just having a look for you. That's okay. Is that the documents that you received today? Oh, it might have had the wrong document attached there. Let me just double check. No. That's okay. It might have attached that document, and we didn't actually want it to be there. So what I'll do, I'll just have a look at what it what came through. Oh, is it maybe just bringing up the last document that you signed? Because I can see for yours, Robin, is the ongoing fee can sent arrangement. That's the one that we sent through just then. And then yeah. Yeah. And that was the one that was from a while ago. That was the one in February, wasn't it? Yeah. Yes. Yep. Right. No. That's okay. So I can see the fee consent form here is for yourself. We sent through two of them. There should be one for Frank as well, but I can only see one coming up. So what I'll do is I'll just go back, and I'll make sure I can see both of them coming through. Not sure why it's not both coming through. I I sort of do miss DocuSign a little bit. This is fun, this system, but it's just not not the same. I do miss DocuSign a little bit. It was easier. Not gonna lie. Oh, good. What I might do is I'll just go back and make sure that both of those fee consent forms have come through. I might have to resend them for you, but I'll just make sure the system is sending those correctly because it should be 1¢ to each of you. So if you don't see them by the end of the day, can you just let me know? Is that okay? Yeah. Yep. Yep. No. No. That's fine. It should be if it's one of the attachments, it might have just attached that document because it was one that was in the file when they were attached, and someone might have dragged it across, and that's absolutely okay. The only document that it should ask you to sign is the ongoing service agreement. There should be one with each of your names there because we have you both as clients. Our normal fee is 1.65% per annum, but we've actually reduced yours both, and it'll continue that way to 1.1%. So you're paying a lower fee because you're both on board there. And it should just it does say having a look here, it's 1.1% per annum, and then we deduct our ongoing service fee in smaller monthly increments out of your super for our services, and it fluctuates and goes up and down with the market. So if the the so market was to take a little bit of a further dip, our fee does continue to go down with it, and then it does go up a little bit as the market increases as well. So our fee goes up and down with your super. Does that make sense? Yeah. Beautiful. Yep. Yeah. Oh, very that's a bit bizarre. Yeah. I'll find out if anything else has come through, but, yeah, it's just the ongoing service agreement there. I can see one's come through, but I can't see where Frank's has come through. So I will go back and double I will go through I can double check for you, Frank, if that does come through. If it doesn't, I'll make sure I resend it for you. Okay. Yeah. No. That's okay. That's not a problem. Normally, when I open it, I can see both of them here, but it's only showing me one. I'm not really sure why. So that's honestly okay. I'll go back and have a bit of a look at that for you. Not an issue at all. If there is anything else, I'll make sure we sort of give you a call and let you know. Just to sort of reiterate, so super wise, you know, not accessing anything unless you need to until, Robin, you turn age 67. I'll look at the Centrelink side of things for you and look at the portfolios and see what we can come up with keeping that kind of 50% split either to the, you know, to the risk factor for you. So 50% growth investment, 50% defensive investment. Is there anything else goals wise that either of you might think you've got or want me to sort of look at for you in the next couple of years, or is that kind of the thing where your sleep is going? That's about all. That's okay. Just to sort of you're right. Sorry. Oh, thank you. Thank you so much, Robin. I'll go back and check that for you. Sorry about that. I love these new computer systems. I'll just double check all of your assets there as well. So at the moment, we did have your main primary residence last year. Asset value we had noted was about 500,000. Do you think that might have increased a bit from where we were last year? Do you think it might be valued more to yourself at the moment, or what's your thoughts on that value? Crazy, ain't it? Yeah. Yeah. Yeah. Yep. Yep. No. That's okay. Not a problem. So I'm having I'm just having a quick look online to see what the estimated value of the property is at the moment to sort of see what is out there and what they're saying. So The same, realistically, estimated property value, mid range about 400,000, high range about $4.55. Did you feel like that's very average, or did you wanna keep it to where it was? Or yep. Yep. Yep. That's absolutely fine. Not a problem at all. So $5.70. Beautiful. And, Robin, your income, I'm just sort of estimating your take down gross income per week is about 570. You're fairly comfortable with that? Yep. Yep. Okay. Do you yeah, no worries. Alright. Lovely. And, Frank, how much are you averaging from Centrelink on a fortnightly basis at the moment for the age pension? Per fortnight? Yep. Sorry. Did you say $7.50 or $7.60 just before as well? Sorry. Yep. Oh, it's not. Okay. 690. Perfect. Robin, do you know what your hourly rate is at all? Yep. 30 $1.70 per hour. Beautiful. Because I can sort of average that out and work it out on the thirty two hours and average that over the course of the year for you to kinda give me an estimate on the income if you like. That's absolutely fine. Beautiful. And you sort of need income of about $3,000 per fortnight or $1,000 per week to survive moving forward. Is that fairly right? Did you want me to maybe factor in a bit of a buffer there, or are you happy with that for the moment? It really doesn't. No. When you think about groceries, I know I've I've got two kids moved out of home now and only one child at home. I'm still spending about $2.50 to $300 a week on groceries. It's everything costs so much. Oh, absolutely. I can I can keep it at 2,000 per week at the moment? And if you find that you wanna increase that, that's absolutely fine. This kinda gives us a bit of a working point for you moving forward. I mean, we're looking at the advice now, but also, you know, in the next fifteen months, knowing that in that time, things can change and we may need to update it again. But this is giving you a bit of an idea of where we're tracking and what it sort of looks like down the track for you. Okay? Excellent. Other assets I have here, I've got your Nissan Qashqai. Rough value, if you had to sell that, got down here about 20,000. If you did have to sell that, what do you think what value wise would it be to you? Yeah. That's okay. We had 20,000 last year. Did you wanna keep it at 20? Yeah. Absolutely. And then we've got the Nissan Navara, which is a 2012 model. And last year, we said roughly about 15,000 value. Would you keep that about the same, do you think? No? Drop it a little bit. 12. Yeah. Wow. I'll pop a bit pop 5 on there for you. All good. And do you happen to know if you're able to, are you able to access, like, an income or an asset statement from Centrelink that sort of shows what they have your assets noted as? Do you know how to get that from your myGov account, or do you have one handy at all? No. That's okay. Do you know roughly what they have as your assets noted on Centrelink? Do you have do you know what they have or, like, your cars and savings accounts, what they have noted? It would yeah. It'd be on it's probably more on Frank's myGov because he's the one that's actually applied for it. Do you know how to log in to your myGov? You log in pretty you should would, wouldn't you? Because you report yeah. If I send an email afterwards just with a little bit of a direction on how to get that statement, would you be able to grab one of those statements and forward it through to me just so I can use that for the research for you for the plan? Yeah. If it's too much, let me know. Is it easier if I send you an email, or is it easier if I try to direct you through now? What would be better for both of you guys? Yes. Yeah. No. No. No. No. That's absolutely fine. I'll send you an email with a breakdown of what to do. If you find it difficult or struggle, let me know. We can always look at doing another option. I just wanted to make sure that when we are factoring in Centrelink that we understand what they have for assets and income and liabilities. That way, I can work on the same figures for you. Okay? Yep. Perfect. Beautiful. I have done here contents, roughly about 25,000 value of contents. Would you increase that? Got any big collections recently that you wanna maybe note down? Or No. Yep. That's okay. All good. Other than that, you mentioned that you're putting about $800 away on a fortnightly basis to cover those bills and things. Are you managing to put anything into a bit of a savings account, or is everything that you're earning going out towards bills and expenses and and rates and things like that insurances? Okay. Yep. Okay. Okay. Yeah. With the funeral, realistically, with Centrelink, that because that's just the bank account that you've opened that you've called funeral account. Is that right? So, realistically, if they find that they will consider that an I'm sorry, an asset and assess under both the assets and the incomes test. Are you putting that money away purely for, say, both of your funerals or one of you, or what's the plan with that? Is it for anyone's funeral or more just focused around the two of you? Yeah. Because there are investment options or bonds that I have access to, which are funeral bonds. And the idea is you could start with a certain amount of money if you had I think, you know, we just start with about a thousand dollars. And you can be putting some regular amounts in on a regular basis. And these are the funeral bonds. If one of we could set two up if you wanted to. It's completely up to you. You can have a think about it. But, essentially, you set up this funeral bond. The money is invested, so it is growing, not just getting a cash rate. But they are fully non assessable by Centrelink. So even if they find out about these accounts, they won't add them to your income and assets test. They are sheltered for Centrelink purposes, and we would have to set up two of them. But, essentially, if you were to then pass away, the money is withdrawn out to to the executor within twenty four hours of having the the death certificate provided. Did you wanna look at something like that, or are you happy with the way it is at the moment and just wanna think about it? What do you think? Well, they are sheltered for centrelink purposes. At the moment, the sheltering amount is about $1,516,000 for centrelink purposes. But realistically, you can open up these accounts with as little as normally about $1,000. You can be putting regular amounts in, say, 20 or $30 a month or, you know, a lump sum once a year into the bond. It just keeps being invested and grows. It is invested in an investment option like we might pick, as an example, like a a Vanguard fund, which might give you diversification, and it could get, like, you know, a two, three, or a 5% return on a yearly basis and be growing over time. But they are fully sheltered, the Centrelink. Centrelink don't don't look at the bonds. The amount that you put in, as long as it's under the the asset requirements, so under the 15 or $16,000, they don't count that, and gross from those funds is not assessed by Centrelink. So it's really really a good way to shelter money. It can grow towards, you know, the goal of being able to pull that up for a funeral down the track. The downside of these is that you can't access the funds to anything else. It has to only be pulled out for the purpose of a funeral. If you pull out, you have $20. And if you pull all of that out and you only use $5 on a funeral, then that's But they don't let you access those bonds in advance to anything else, whereas the advantage to having that in the bank account like you have at the moment is that if something happens, you can use the funds elsewhere if you want to. But we do have access to these other types of investments that we can certainly help you with. You don't have to do it now. You can just, you know, talk about it, mull on it, think about it if you like. It's absolutely fine. It's just another sort of option to look at as well. Absolutely. Absolutely. And that is the downside to a funeral bond is that you can't take it out if you do need the money. So say something happened and, know, you had to rush Frank to the doctors and needed the money quickly for a specialist appointment or something. You know, you do have that money there as a bit of a backup as a buffer for you. Whereas a funeral bond, you can't pull that out. It has to stay there no matter what. You don't have to keep putting money in a regular basis to the bond. It's definitely more sort of up to yourself, but there are the advantages and disadvantages. It's always a good a good side to the option, but also a bad side as well. So it's about weighing up what's right for you at the time. Yeah. That's okay. I also just wanted to update. Now with the funeral accounts, how much do you have in there at the moment? Okay. Fantastic. Beautiful. And you said you put about $20 per week in there. Is that per month in there? Sorry? Oh, fantastic. Excellent. Lovely. Well, feel free to have a chat. If you decide you wanted to go down that route, you can let me know. In the meantime, I would just leave that there as that, and not sort of account for it. Okay? Excellent. Now other bank accounts and things, do you have any other term deposits or large savings accounts that Centrelink would wanna know about? Yep. Yep. No. That's okay. That's not a problem at all. 1,000 there. Beautiful. Well, thank you for updating those details there for me. Now I also had it noted. We do check this every year with you, but the last time you guys updated your will was 2010. Is your will still valid? Is it still suited to your circumstances, do you think? Yes. Yep. No. That's not a problem at all. And when you do turn 67 and fully retire, if you do need to sort of take a little bit of money out of super at the same time to replenish your income, just confirming, you would wanna keep your beneficiaries nominated to each other. So Frank to Robin, Robin to Frank. Yep. Beautiful. No. Beautiful. Beautiful. Lovely. So what I can also look at, if you're comfortable with me doing so, is when you do get to 67 there, Robin, and you do maybe on the age pension with the both of you getting full age pension, hopefully, and maybe drawing a little bit out of your sofa, did you want me to look at whether we move fully into pension phase or whether we stay in the super that we're in. Do you understand the difference between the two accounts and phases? That's right. So when you're in that pension phase, they have a minimum balance that you have to be able to draw out, which at age 67 is about 5% of your total balance. But looking at the way your super is with your total balance there, you might be drawing a bit more out. So if at the moment with the age pension, it's the two of you, it doesn't quite make that $2,000 per fortnight doll. So I would probably have to be drawing a little bit out of your supers to kind of replenish to make sure you're able to get that $2,000 per fortnight for your living expenses. If I do the research and it comes back and tells me that, you know, what you'd be drawing out meets that minimum requirement, there are benefits to being in pension phase. I mean, you do have to take the money out, but there's also no tax consequences. So at the moment, you're in the accumulation phase. That's where you're building your super up. All your employer contributions are going in. Any of the capital gains that your super makes, it actually currently pays tax on. And same with the income. So any income that's made inside that fund, your super currently pays tax on. When you turn fully retire, so age 67, when you wanna retire, if we wanna move you fully into pension phase, there's no tax consequences in there. So your super fund can be making money, both capital gains and income, and there's no it doesn't pay any tax in that phase. The only sort of downside is that you do have to take a minimum pension payment. Would you like me to assess whether staying in accumulation or moving into pension works better for you at that time? Yep. Well, he can be, but he does have to take that minimum pension payment out. So at the moment with Frank's balance, because you don't really want to take any money out and don't really need to right now because you're still working, he is fine to stay in in the accumulation phase. It does mean that his fund is taking is paying a little bit of tax on the growth and the income that it is making. But because you don't really need income out of it, there's nothing wrong with that. It's not paying a huge amount of tax. The downside to it is that it is assessed by Centrelink. So at the moment, yours is sheltered by Centrelink because, Robin, you're under 67. But when you turn 67, both of your super balances will be assessed by Centrelink. And given this the current Centrelink arrangements with the payments they make, you might need to take some income out. So being in pension phase could actually work out better for you. But did you want me to look at whether Frank should be in pension phase now or super, or are you happy just to sort of keep it where it is now, Frank? What's your thought? He doesn't know? That's okay. Yeah. That is yeah. That that's the other side of it. Yeah. I mean, the gross in the income this for the last twelve months up until now was essentially a positive of 2%. So your fund hasn't made a huge amount. It's only paid a small amount of tax, whereas you would have to draw 5% out. So if I look at your balance at the moment there, Frank, just to give you an idea, I'll just pop back into that file. Sorry. I'm just pulling the document back up. Okay. So with your balance at the moment, Okay. So with the balance at the moment, if your funds, say, as an example, made $2,000 there at 15%, the tax on that would essentially be $300. So if your fund made $2,000 for the year, it would pay a $300 tax on that. If, example, say, you needed to take out income from your super and you move the pension phase for the year at your current age there, it's about a 5%. So 5% times your current balance of $89.03 $7.00 and 82¢. It essentially means you'd have to draw out that $4,468 for the year. That's a 5% of your current balance. $168 for the year. That's at 5% of your current balance. So, frankly, beating that accumulation phase now, whilst your fund is still paying tax, the tax it's probably paying on the income it's made this year is lower than the amount you would have to draw out. Does that make sense? Yeah. Yeah. So, realistically, staying in accumulation right now means that you don't have to draw that money out. It is still currently paying tax, but you still have an opportunity to grow your balance even more without the requirement of drawing down. So are you happy just to stay in that sort of accumulation or super stage now? Yep. And we can look at maybe moving into pension when Robin turns 67. Does that sound right to you? Yeah. Fantastic. Now I've covered a lot, and I'm so sorry. But do either of you have any questions, did you want me to break anything down more for you? Or no. That's oh, that's good. That's good. It came a bit a bit confusing, but please let me know if there's anything you wanted me to sort of touch on. What I can do now is I can go back and just look at the research. We can update the advice. We'll look at the two stages, what we do now with the super, with the investments, and how that looks when you turn 57, Robin, and when you are both fully retired and needing to draw down on what we can do income wise. That'll give us a guide tracking and what we're planning over the next few years. And then moving forward, we can just keep reviewing that and make changes as we need to. Does that sound okay? Do both of you have any additional questions? That sounds great. Fantastic. Lovely. Well, I feel like I've taken up enough of your precious time, so I will let you both go. I'll get my team just to double check that both those odor signs have gone through with the ongoing service agreement. If there's any issue, we'll make sure we resend it through, and I'll get my team to give you a buzz. I'll send out an email there just directing and showing you how to get into the myGov to pull down the the asset information for Centrelink just for the research. And if you get stuck or have any problems, let me know. Okay? Fantastic. I'll let you both go, Frank. I hope recovery's well. Rest up. Fantastic. Robin, I hope you get some downtime too. Oh, absolutely. No. All good. And I will attach the email there our financial services guide. It is really important we provide that to you. It's a a licensee document. It's a a document that explains everything about who we are. It has all my licensing information in there as a registered adviser for you, and it's also got a lovely picture of me in there as well. You're welcome to run your eyes over that. If you do have any additional questions, let me know. I know we've spoken a few times in the past, but it's always good to update everything. And, you know, you meet a lot of people on a regular basis, so you might forget what I look like. You talk to me on the phone all the time, but not a problem at all, guys. Thank you so much for your time. You both have an amazing afternoon. I'll talk to you very soon. Thanks. See you later. Bye.","confidence":0.9980469,"words":[{"word":"hi","start":3.9199998,"end":4.16,"confidence":0.8815918,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.027677755802869797},{"word":"frank","start":4.16,"end":4.48,"confidence":0.9020996,"punctuated_word":"Frank.","sentiment":"neutral","sentiment_score":0.019852928817272183},{"word":"robin","start":4.48,"end":4.88,"confidence":0.92749023,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.02049086056649685},{"word":"can","start":4.88,"end":5.12,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.007009008899331093},{"word":"you","start":5.12,"end":5.2799997,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005535438656806946},{"word":"hear","start":5.2799997,"end":5.3599997,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.007250100374221802},{"word":"me","start":5.3599997,"end":5.52,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.013164632022380829},{"word":"better","start":5.52,"end":5.8399997,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.018522966653108597},{"word":"now","start":5.8399997,"end":6.3399997,"confidence":0.9995117,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.0184487197548151},{"word":"hi","start":11.28,"end":11.599999,"confidence":0.9711914,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.022866608574986454},{"word":"frank","start":11.599999,"end":11.84,"confidence":0.99609375,"punctuated_word":"Frank.","sentiment":"neutral","sentiment_score":0.02274763211607933},{"word":"it's","start":11.84,"end":12.16,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03245354816317558},{"word":"dana","start":12.16,"end":12.4,"confidence":0.8881836,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.05140520632266998},{"word":"from","start":12.4,"end":12.559999,"confidence":0.9921875,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.049543749541044235},{"word":"oakview","start":12.559999,"end":12.96,"confidence":0.71500653,"punctuated_word":"Oakview.","sentiment":"neutral","sentiment_score":0.04619800299406051},{"word":"can","start":12.96,"end":13.12,"confidence":1.0,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.02003786712884903},{"word":"you","start":13.12,"end":13.28,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017177503556013107},{"word":"hear","start":13.28,"end":13.44,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.011721840128302574},{"word":"me","start":13.44,"end":13.599999,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.013082781806588171},{"word":"better","start":13.599999,"end":14.099999,"confidence":1.0,"punctuated_word":"better?","sentiment":"neutral","sentiment_score":0.02803218737244606},{"word":"yep","start":16.695,"end":17.195,"confidence":0.736084,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21540269255638125},{"word":"fantastic","start":17.494999,"end":17.994999,"confidence":0.99853516,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6570209264755249},{"word":"much","start":18.535,"end":18.935,"confidence":0.9980469,"punctuated_word":"Much","sentiment":"positive","sentiment_score":0.5321468114852905},{"word":"clearer","start":18.935,"end":19.435,"confidence":0.79003906,"punctuated_word":"clearer.","sentiment":"positive","sentiment_score":0.4392070770263672},{"word":"oh","start":22.215,"end":22.615,"confidence":0.9868164,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.2319435179233551},{"word":"good","start":22.615,"end":23.015,"confidence":0.99121094,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.3172729015350342},{"word":"good","start":23.015,"end":23.335,"confidence":0.99902344,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.3653413653373718},{"word":"good","start":23.335,"end":23.575,"confidence":0.9995117,"punctuated_word":"Good.","sentiment":"neutral","sentiment_score":0.32211652398109436},{"word":"well","start":23.575,"end":23.735,"confidence":0.953125,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.18224094808101657},{"word":"i","start":23.735,"end":23.895,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17494100332260132},{"word":"won't","start":23.895,"end":24.055,"confidence":0.9980469,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.08301582932472229},{"word":"yell","start":24.055,"end":24.295,"confidence":0.99316406,"punctuated_word":"yell","sentiment":"neutral","sentiment_score":0.01206022035330534},{"word":"into","start":24.295,"end":24.535,"confidence":0.97314453,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.021129630506038662},{"word":"the","start":24.535,"end":24.615,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0063584670424461365},{"word":"phone","start":24.615,"end":24.855,"confidence":0.99316406,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.02089879661798477},{"word":"too","start":24.855,"end":25.015,"confidence":0.99902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.013091176748275757},{"word":"much","start":25.015,"end":25.335,"confidence":0.9567871,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":0.031306371092796326},{"word":"just","start":25.335,"end":25.415,"confidence":0.75146484,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.009006358683109283},{"word":"tell","start":25.415,"end":25.654999,"confidence":0.9980469,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.011718668043613434},{"word":"me","start":25.654999,"end":25.814999,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05626439303159714},{"word":"to","start":25.814999,"end":26.215,"confidence":0.9560547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025205101817846295},{"word":"to","start":26.215,"end":26.375,"confidence":0.6376953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02295195311307907},{"word":"slow","start":26.375,"end":26.615,"confidence":0.9951172,"punctuated_word":"slow","sentiment":"neutral","sentiment_score":0.03239860385656357},{"word":"down","start":26.615,"end":27.115,"confidence":0.7919922,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.05681649595499039},{"word":"get","start":27.415,"end":27.575,"confidence":0.58251953,"punctuated_word":"Get","sentiment":"neutral","sentiment_score":0.03780261427164078},{"word":"a","start":27.575,"end":27.735,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06816239655017853},{"word":"bit","start":27.735,"end":27.974998,"confidence":0.9941406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0485183522105217},{"word":"quieter","start":27.974998,"end":28.375,"confidence":0.9506836,"punctuated_word":"quieter","sentiment":"neutral","sentiment_score":0.08711929619312286},{"word":"for","start":28.375,"end":28.615,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0975254476070404},{"word":"you","start":28.615,"end":29.115,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.12491455674171448},{"word":"all","start":30.33,"end":30.57,"confidence":0.90771484,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.34628891944885254},{"word":"good","start":30.57,"end":30.97,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2685719132423401},{"word":"just","start":31.13,"end":31.369999,"confidence":0.9838867,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.06851940602064133},{"word":"before","start":31.369999,"end":31.529999,"confidence":0.9921875,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.04069172963500023},{"word":"we","start":31.529999,"end":31.689999,"confidence":0.7211914,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05546718090772629},{"word":"jump","start":31.689999,"end":31.849998,"confidence":0.9941406,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.07464359700679779},{"word":"into","start":31.849998,"end":32.09,"confidence":0.9375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0662049800157547},{"word":"the","start":32.09,"end":32.17,"confidence":0.70166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06360336393117905},{"word":"call","start":32.17,"end":32.41,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.03750569745898247},{"word":"again","start":32.41,"end":32.57,"confidence":0.7663574,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.039420317858457565},{"word":"i","start":32.57,"end":32.649998,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05847981572151184},{"word":"just","start":32.649998,"end":32.89,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06328149139881134},{"word":"need","start":32.89,"end":33.05,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.06397130340337753},{"word":"to","start":33.05,"end":33.129997,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05789153277873993},{"word":"do","start":33.129997,"end":33.21,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05227801948785782},{"word":"a","start":33.21,"end":33.37,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06273987144231796},{"word":"quick","start":33.37,"end":33.61,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.07587210088968277},{"word":"security","start":33.61,"end":34.09,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.052253853529691696},{"word":"check","start":34.09,"end":34.25,"confidence":0.9970703,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.08235067874193192},{"word":"there","start":34.25,"end":34.41,"confidence":0.84716797,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10573488473892212},{"word":"with","start":34.41,"end":34.649998,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11247044801712036},{"word":"you","start":34.649998,"end":35.129997,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.08648322522640228},{"word":"i","start":35.449997,"end":35.61,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06757184118032455},{"word":"have","start":35.61,"end":35.93,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06698410212993622},{"word":"emailed","start":35.93,"end":36.25,"confidence":0.96533203,"punctuated_word":"emailed","sentiment":"neutral","sentiment_score":0.08159209787845612},{"word":"some","start":36.25,"end":36.489998,"confidence":0.9902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04216764122247696},{"word":"documents","start":36.489998,"end":36.89,"confidence":0.99902344,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.051609501242637634},{"word":"to","start":36.89,"end":37.05,"confidence":0.5366211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07233059406280518},{"word":"you","start":37.05,"end":37.21,"confidence":0.99121094,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.07553839683532715},{"word":"but","start":37.21,"end":37.37,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07915183156728745},{"word":"we","start":37.37,"end":37.449997,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07211685180664062},{"word":"can","start":37.449997,"end":37.69,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07471804320812225},{"word":"kinda","start":37.69,"end":38.01,"confidence":0.94628906,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.09490321576595306},{"word":"go","start":38.01,"end":38.17,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09457994252443314},{"word":"through","start":38.17,"end":38.329998,"confidence":0.88427734,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09879425168037416},{"word":"those","start":38.329998,"end":38.649998,"confidence":0.99121094,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09349550306797028},{"word":"shortly","start":38.649998,"end":39.149998,"confidence":1.0,"punctuated_word":"shortly.","sentiment":"neutral","sentiment_score":0.0838145762681961},{"word":"can","start":39.61,"end":39.85,"confidence":0.99902344,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.06143294647336006},{"word":"i","start":39.85,"end":39.93,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07247141748666763},{"word":"get","start":39.93,"end":40.09,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0717209130525589},{"word":"you","start":40.09,"end":40.25,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05999971926212311},{"word":"both","start":40.25,"end":40.489998,"confidence":0.9819336,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.08011472970247269},{"word":"just","start":40.489998,"end":40.649998,"confidence":0.5385742,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09808480739593506},{"word":"to","start":40.649998,"end":40.89,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07904328405857086},{"word":"confirm","start":40.89,"end":41.21,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.0662170872092247},{"word":"your","start":41.21,"end":41.37,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0651337206363678},{"word":"date","start":41.37,"end":41.61,"confidence":0.99902344,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.08018763363361359},{"word":"of","start":41.61,"end":41.85,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0760156512260437},{"word":"birth","start":41.85,"end":42.09,"confidence":0.99902344,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.07276515662670135},{"word":"for","start":42.09,"end":42.329998,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0967126041650772},{"word":"me","start":42.329998,"end":42.489998,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10342787951231004},{"word":"and","start":42.489998,"end":42.73,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07970768958330154},{"word":"the","start":42.73,"end":42.89,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07728058099746704},{"word":"address","start":42.89,"end":43.21,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.06026565283536911},{"word":"of","start":43.21,"end":43.37,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07002589106559753},{"word":"where","start":43.37,"end":43.61,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.06132849305868149},{"word":"you","start":43.61,"end":43.769997,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07451272010803223},{"word":"should","start":43.769997,"end":43.93,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.07726320624351501},{"word":"be","start":43.93,"end":44.09,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08904323726892471},{"word":"the","start":44.915,"end":45.075,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07604503631591797},{"word":"address","start":45.075,"end":45.315,"confidence":0.99902344,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.05234618857502937},{"word":"i","start":45.315,"end":45.555,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07597947120666504},{"word":"should","start":45.555,"end":45.715,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.07179377228021622},{"word":"have","start":45.715,"end":45.954998,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05459180846810341},{"word":"on","start":45.954998,"end":46.114998,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.043397922068834305},{"word":"file","start":46.114998,"end":46.614998,"confidence":0.94873047,"punctuated_word":"file?","sentiment":"neutral","sentiment_score":0.0449998639523983},{"word":"yep","start":51.235,"end":51.735,"confidence":0.97753906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.016287604346871376},{"word":"beautiful","start":56.835,"end":57.315,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3820664584636688},{"word":"thank","start":57.315,"end":57.6,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.526982307434082},{"word":"you","start":57.76,"end":57.92,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5442648530006409},{"word":"so","start":57.92,"end":58.0,"confidence":0.9980469,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5090179443359375},{"word":"much","start":58.0,"end":58.239998,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5581151247024536},{"word":"for","start":58.239998,"end":58.32,"confidence":0.94628906,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5752156972885132},{"word":"that","start":58.32,"end":58.48,"confidence":0.9970703,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5292830467224121},{"word":"and","start":58.48,"end":58.719997,"confidence":0.9362793,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.2378215789794922},{"word":"frank","start":58.719997,"end":58.96,"confidence":0.94189453,"punctuated_word":"Frank,","sentiment":"neutral","sentiment_score":0.1927094459533691},{"word":"i'll","start":58.96,"end":59.039997,"confidence":0.9848633,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.16047310829162598},{"word":"describe","start":59.039997,"end":59.44,"confidence":0.7495117,"punctuated_word":"describe","sentiment":"neutral","sentiment_score":0.1300457864999771},{"word":"your","start":59.44,"end":59.68,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10995814204216003},{"word":"date","start":59.68,"end":59.84,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.1396186202764511},{"word":"of","start":59.84,"end":59.92,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13989433646202087},{"word":"birth","start":59.92,"end":60.16,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.14271673560142517},{"word":"there","start":60.16,"end":60.399998,"confidence":0.89208984,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.16514845192432404},{"word":"for","start":60.399998,"end":60.899998,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15223614871501925},{"word":"me","start":64.56,"end":64.96,"confidence":0.9875488,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.06845550984144211},{"word":"legend","start":64.96,"end":65.439995,"confidence":0.98706055,"punctuated_word":"Legend.","sentiment":"neutral","sentiment_score":0.1380990594625473},{"word":"thank","start":65.439995,"end":65.6,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.35471388697624207},{"word":"you","start":65.6,"end":65.92,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3316234350204468},{"word":"so","start":65.92,"end":66.159996,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.30294325947761536},{"word":"much","start":66.159996,"end":66.479996,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.3866710066795349},{"word":"for","start":66.479996,"end":66.64,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.41770219802856445},{"word":"that","start":66.64,"end":67.14,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.3750413954257965},{"word":"so","start":67.84,"end":68.159996,"confidence":0.7158203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22220388054847717},{"word":"just","start":68.159996,"end":68.4,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16468681395053864},{"word":"to","start":68.4,"end":68.56,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14860184490680697},{"word":"give","start":68.56,"end":68.799995,"confidence":0.9716797,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.14522910118103027},{"word":"you","start":68.799995,"end":68.88,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15619118511676788},{"word":"guys","start":68.88,"end":69.119995,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.1800922453403473},{"word":"a","start":69.119995,"end":69.28,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1272096037864685},{"word":"bit","start":69.28,"end":69.44,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.144222691655159},{"word":"of","start":69.44,"end":69.52,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16504152119159698},{"word":"an","start":69.52,"end":69.68,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17125292122364044},{"word":"update","start":69.68,"end":69.92,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.1482412964105606},{"word":"on","start":69.92,"end":70.0,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1333828568458557},{"word":"your","start":70.0,"end":70.159996,"confidence":0.63671875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18022306263446808},{"word":"super","start":70.159996,"end":70.31999,"confidence":0.7866211,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.19628819823265076},{"word":"now","start":70.479996,"end":70.64,"confidence":0.90625,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.14912554621696472},{"word":"i","start":70.64,"end":70.72,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17334316670894623},{"word":"have","start":70.72,"end":70.96,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14060942828655243},{"word":"sent","start":70.96,"end":71.119995,"confidence":0.97509766,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.14036045968532562},{"word":"you","start":71.119995,"end":71.28,"confidence":0.59765625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1618085950613022},{"word":"the","start":71.28,"end":71.44,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1236581951379776},{"word":"annual","start":71.44,"end":71.759995,"confidence":0.99316406,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.14564861357212067},{"word":"review","start":71.759995,"end":72.08,"confidence":0.9970703,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.10101968795061111},{"word":"documents","start":72.08,"end":72.58,"confidence":0.9980469,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.09940316528081894},{"word":"to","start":72.695,"end":72.935,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14130881428718567},{"word":"you","start":72.935,"end":73.255,"confidence":0.99316406,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13693644106388092},{"word":"they","start":73.255,"end":73.494995,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.07445448637008667},{"word":"have","start":73.494995,"end":73.655,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03966502100229263},{"word":"been","start":73.655,"end":73.895,"confidence":0.9951172,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.0658671036362648},{"word":"sent","start":73.895,"end":74.134995,"confidence":0.9980469,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.06321576237678528},{"word":"through","start":74.134995,"end":74.375,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0526060089468956},{"word":"from","start":74.375,"end":74.534996,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.03937250375747681},{"word":"a","start":74.534996,"end":74.615,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02937980554997921},{"word":"different","start":74.615,"end":75.015,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.012260627001523972},{"word":"system","start":75.015,"end":75.335,"confidence":1.0,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.022328920662403107},{"word":"for","start":75.335,"end":75.415,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.025738850235939022},{"word":"what","start":75.415,"end":75.655,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.030554085969924927},{"word":"we","start":75.655,"end":75.814995,"confidence":0.97509766,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03337772935628891},{"word":"used","start":75.814995,"end":75.975,"confidence":0.9819336,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.004284091293811798},{"word":"to","start":75.975,"end":76.055,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01854644902050495},{"word":"use","start":76.055,"end":76.375,"confidence":0.9868164,"punctuated_word":"use.","sentiment":"neutral","sentiment_score":0.037691619247198105},{"word":"we","start":76.375,"end":76.534996,"confidence":0.9838867,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.028502987697720528},{"word":"used","start":76.534996,"end":76.695,"confidence":0.984375,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.009389976039528848},{"word":"to","start":76.695,"end":76.774994,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015917370095849037},{"word":"use","start":76.774994,"end":77.274994,"confidence":0.9980469,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.028880978003144264},{"word":"docusign","start":77.655,"end":78.155,"confidence":0.9187012,"punctuated_word":"DocuSign,","sentiment":"neutral","sentiment_score":0.042501091957092285},{"word":"which","start":78.375,"end":78.615,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.06158432364463806},{"word":"you","start":78.615,"end":78.695,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06376814842224121},{"word":"could","start":78.695,"end":78.935,"confidence":0.9921875,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.0419759675860405},{"word":"kinda","start":78.935,"end":79.415,"confidence":0.63427734,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.03776292502880096},{"word":"open","start":79.415,"end":79.655,"confidence":0.9980469,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.03643728792667389},{"word":"and","start":79.655,"end":79.814995,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.031462691724300385},{"word":"review","start":79.814995,"end":80.215,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.028415504842996597},{"word":"the","start":80.215,"end":80.375,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027929482981562614},{"word":"documents","start":80.375,"end":80.875,"confidence":0.9375,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.03177697956562042},{"word":"with","start":81.335,"end":81.835,"confidence":0.99902344,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.0453718826174736},{"word":"odoosign","start":81.895,"end":82.395,"confidence":0.89733887,"punctuated_word":"OdooSign,","sentiment":"neutral","sentiment_score":0.06638725101947784},{"word":"you","start":82.534996,"end":82.695,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07387303560972214},{"word":"can","start":82.695,"end":82.854996,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06489527970552444},{"word":"do","start":82.854996,"end":83.015,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06145311892032623},{"word":"the","start":83.015,"end":83.174995,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05830352008342743},{"word":"exact","start":83.174995,"end":83.655,"confidence":1.0,"punctuated_word":"exact","sentiment":"neutral","sentiment_score":0.06066212058067322},{"word":"same","start":83.655,"end":83.895,"confidence":0.99902344,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.06115781515836716},{"word":"thing","start":83.895,"end":84.215,"confidence":0.99609375,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.07870888710021973},{"word":"it's","start":84.215,"end":84.534996,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07557135820388794},{"word":"just","start":84.534996,"end":84.774994,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06745205819606781},{"word":"they","start":84.774994,"end":84.935,"confidence":0.55908203,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.062468934804201126},{"word":"added","start":84.935,"end":85.255,"confidence":0.72509766,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.06307554244995117},{"word":"as","start":85.255,"end":85.41499,"confidence":0.45141602,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05435047298669815},{"word":"attachments","start":85.41499,"end":85.91499,"confidence":0.9951172,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":0.04440827667713165},{"word":"on","start":86.134995,"end":86.295,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0504947230219841},{"word":"the","start":86.295,"end":86.375,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.050815023481845856},{"word":"front","start":86.375,"end":86.615,"confidence":1.0,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.04486937075853348},{"word":"of","start":86.615,"end":86.695,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03923164680600166},{"word":"the","start":86.695,"end":87.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04296817630529404},{"word":"email","start":87.015,"end":87.41499,"confidence":0.88916016,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.03699089214205742},{"word":"so","start":87.41499,"end":87.91499,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.032208412885665894},{"word":"i","start":88.01,"end":88.25,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.019254013895988464},{"word":"have","start":88.25,"end":88.33,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.018419906497001648},{"word":"been","start":88.33,"end":88.57,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.015118308365345},{"word":"finding","start":88.57,"end":89.05,"confidence":0.99902344,"punctuated_word":"finding","sentiment":"neutral","sentiment_score":-0.017534151673316956},{"word":"some","start":89.05,"end":89.29,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.04105817899107933},{"word":"people","start":89.29,"end":89.69,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.0631955936551094},{"word":"struggle","start":89.69,"end":90.09,"confidence":0.9892578,"punctuated_word":"struggle","sentiment":"neutral","sentiment_score":-0.07870747894048691},{"word":"a","start":90.09,"end":90.25,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10821554064750671},{"word":"little","start":90.25,"end":90.41,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.10384099930524826},{"word":"bit","start":90.41,"end":90.65,"confidence":0.9453125,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.12324032187461852},{"word":"with","start":90.65,"end":90.73,"confidence":0.7709961,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.10880863666534424},{"word":"opening","start":90.73,"end":91.13,"confidence":1.0,"punctuated_word":"opening","sentiment":"neutral","sentiment_score":-0.12231361120939256},{"word":"up","start":91.13,"end":91.29,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.08899600803852081},{"word":"the","start":91.29,"end":91.53,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04320068657398224},{"word":"attachments","start":91.53,"end":92.03,"confidence":0.7766113,"punctuated_word":"attachments.","sentiment":"neutral","sentiment_score":-0.05766117200255394},{"word":"so","start":92.17,"end":92.67,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04362790286540985},{"word":"if","start":92.73,"end":92.97,"confidence":0.94628906,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.068712517619133},{"word":"you","start":92.97,"end":93.13,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06588631868362427},{"word":"like","start":93.13,"end":93.53,"confidence":0.99365234,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08957166969776154},{"word":"what","start":93.53,"end":93.69,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10159282386302948},{"word":"i","start":93.69,"end":93.77,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07850287109613419},{"word":"can","start":93.77,"end":93.93,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08482873439788818},{"word":"do","start":93.93,"end":94.09,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1040925532579422},{"word":"is","start":94.09,"end":94.25,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1083432137966156},{"word":"i","start":94.25,"end":94.41,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15458615124225616},{"word":"can","start":94.41,"end":94.57,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13032715022563934},{"word":"give","start":94.57,"end":94.81,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.13236375153064728},{"word":"you","start":94.81,"end":94.97,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12813568115234375},{"word":"both","start":94.97,"end":95.21,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.15332916378974917},{"word":"a","start":95.21,"end":95.29,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15880514681339264},{"word":"bit","start":95.29,"end":95.45,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1504906862974167},{"word":"of","start":95.45,"end":95.61,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15847563743591309},{"word":"a","start":95.61,"end":95.69,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14789192378520966},{"word":"run","start":95.69,"end":95.93,"confidence":0.99902344,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.14040511846542358},{"word":"through","start":95.93,"end":96.17,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09869169443845748},{"word":"on","start":96.17,"end":96.33,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15066850185394287},{"word":"your","start":96.33,"end":96.65,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18238823115825653},{"word":"super","start":96.65,"end":97.05,"confidence":0.51660156,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.28142690658569336},{"word":"balanced","start":97.05,"end":97.55,"confidence":0.5605469,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.207030788064003},{"word":"performance","start":97.61,"end":98.11,"confidence":0.97802734,"punctuated_word":"performance,","sentiment":"neutral","sentiment_score":0.22152256965637207},{"word":"and","start":98.25,"end":98.41,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1848442256450653},{"word":"then","start":98.41,"end":98.57,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.21215951442718503},{"word":"you're","start":98.57,"end":98.81,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.23386411368846893},{"word":"welcome","start":98.81,"end":99.13,"confidence":0.99902344,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.2808280885219574},{"word":"to","start":99.13,"end":99.29,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3025100827217102},{"word":"review","start":99.29,"end":99.69,"confidence":0.98291016,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.15611036121845245},{"word":"those","start":99.69,"end":99.93,"confidence":0.97998047,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.22006846964359283},{"word":"documents","start":99.93,"end":100.41,"confidence":0.99902344,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.17589956521987915},{"word":"a","start":100.41,"end":100.49,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24563175439834595},{"word":"bit","start":100.49,"end":100.729996,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.17697328329086304},{"word":"later","start":100.729996,"end":101.05,"confidence":1.0,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.126678004860878},{"word":"does","start":101.05,"end":101.29,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.10816711187362672},{"word":"that","start":101.29,"end":101.45,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13424481451511383},{"word":"sound","start":101.45,"end":101.770004,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.06949787586927414},{"word":"okay","start":101.770004,"end":102.17,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.06873336434364319},{"word":"at","start":102.17,"end":102.33,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.029463090002536777},{"word":"all","start":102.33,"end":102.83,"confidence":0.9995117,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.06786586344242096},{"word":"yeah","start":104.835,"end":105.315,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0942363366484642},{"word":"that's","start":105.315,"end":105.635,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07702231407165527},{"word":"okay","start":105.635,"end":106.115,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.06589683145284653},{"word":"don't","start":106.115,"end":106.435,"confidence":0.97021484,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.031242549419403076},{"word":"wanna","start":106.435,"end":106.595,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.08677056431770325},{"word":"make","start":106.595,"end":106.835,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.14860722422599792},{"word":"it","start":106.835,"end":106.995,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.091725692152977},{"word":"too","start":106.995,"end":107.315,"confidence":0.99902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.16677787899971008},{"word":"difficult","start":107.315,"end":107.815,"confidence":0.9746094,"punctuated_word":"difficult.","sentiment":"neutral","sentiment_score":-0.07930409908294678},{"word":"you","start":107.875,"end":108.375,"confidence":0.70458984,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.06681667268276215},{"word":"guys","start":108.515,"end":108.755,"confidence":0.37426758,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.09176012128591536},{"word":"probably","start":108.755,"end":109.075,"confidence":0.96240234,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.0975254848599434},{"word":"had","start":109.075,"end":109.315,"confidence":0.97998047,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.05215620994567871},{"word":"a","start":109.315,"end":109.475,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07417921721935272},{"word":"big","start":109.475,"end":109.715004,"confidence":0.9980469,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.05311959981918335},{"word":"week","start":109.715004,"end":109.955,"confidence":0.99609375,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.07738271355628967},{"word":"as","start":109.955,"end":110.195,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0679079070687294},{"word":"well","start":110.195,"end":110.695,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.028270293027162552},{"word":"all","start":112.915,"end":113.235,"confidence":0.515625,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.20588181912899017},{"word":"good","start":113.235,"end":113.735,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.14034295082092285},{"word":"so","start":114.035,"end":114.435,"confidence":0.82128906,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.05532945692539215},{"word":"robin","start":114.435,"end":114.835,"confidence":0.9506836,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.06557324528694153},{"word":"i'll","start":114.835,"end":114.995,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05302286148071289},{"word":"give","start":114.995,"end":115.155,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.06228163465857506},{"word":"you","start":115.155,"end":115.315,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06434209644794464},{"word":"a","start":115.315,"end":115.395004,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05986794084310531},{"word":"bit","start":115.395004,"end":115.555,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0492328405380249},{"word":"of","start":115.555,"end":115.635,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08060601353645325},{"word":"an","start":115.635,"end":115.795,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07150427997112274},{"word":"update","start":115.795,"end":116.195,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.07069244235754013},{"word":"first","start":116.195,"end":116.435,"confidence":0.99560547,"punctuated_word":"first.","sentiment":"neutral","sentiment_score":0.04723040759563446},{"word":"now","start":116.435,"end":116.675,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.02158699557185173},{"word":"having","start":116.675,"end":116.83501,"confidence":0.97998047,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.0035150721669197083},{"word":"a","start":116.83501,"end":116.995,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015200719237327576},{"word":"look","start":116.995,"end":117.235,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.004420753568410873},{"word":"at","start":117.235,"end":117.395004,"confidence":0.9838867,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01737958937883377},{"word":"things","start":117.395004,"end":117.635,"confidence":0.91259766,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.02240530401468277},{"word":"you","start":117.635,"end":117.795,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006744373589754105},{"word":"did","start":117.795,"end":117.955,"confidence":0.9941406,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.05486169829964638},{"word":"do","start":117.955,"end":118.115,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04594466835260391},{"word":"a","start":118.115,"end":118.195,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06168153136968613},{"word":"bit","start":118.195,"end":118.355,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07623884081840515},{"word":"of","start":118.355,"end":118.515,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.056325726211071014},{"word":"a","start":118.515,"end":118.83,"confidence":0.94921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0443398579955101},{"word":"withdrawal","start":118.91,"end":119.23,"confidence":0.6933594,"punctuated_word":"withdrawal","sentiment":"neutral","sentiment_score":-0.02814452722668648},{"word":"earlier","start":119.23,"end":119.47,"confidence":0.99609375,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":-0.03530512750148773},{"word":"this","start":119.47,"end":119.79,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.005213532596826553},{"word":"year","start":119.79,"end":120.29,"confidence":0.98339844,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.009484072215855122},{"word":"having","start":121.23,"end":121.55,"confidence":0.50341797,"punctuated_word":"Having","sentiment":"neutral","sentiment_score":0.05855723470449448},{"word":"a","start":121.55,"end":121.630005,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0849895179271698},{"word":"look","start":121.630005,"end":121.87,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0876886397600174},{"word":"at","start":121.87,"end":121.950005,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07847046852111816},{"word":"things","start":121.950005,"end":122.270004,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.11628230661153792},{"word":"that","start":122.270004,"end":122.43,"confidence":0.40625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0919840857386589},{"word":"your","start":122.43,"end":122.67,"confidence":0.9580078,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06551016122102737},{"word":"balance","start":122.67,"end":123.15,"confidence":0.9980469,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.01916816085577011},{"word":"last","start":123.15,"end":123.47,"confidence":0.99121094,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.031195785850286484},{"word":"year","start":123.47,"end":123.630005,"confidence":0.99609375,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1037655621767044},{"word":"when","start":123.630005,"end":123.87,"confidence":0.7060547,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04789040237665176},{"word":"we","start":123.87,"end":124.03,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07357412576675415},{"word":"sort","start":124.03,"end":124.19,"confidence":0.97509766,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.021430622786283493},{"word":"of","start":124.19,"end":124.35,"confidence":0.90625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03109346888959408},{"word":"caught","start":124.35,"end":124.51,"confidence":0.52685547,"punctuated_word":"caught","sentiment":"neutral","sentiment_score":0.006312564015388489},{"word":"up","start":124.51,"end":124.67,"confidence":0.94140625,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.02733371965587139},{"word":"to","start":124.67,"end":124.83,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.054019078612327576},{"word":"do","start":124.83,"end":124.91,"confidence":0.9550781,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07370556145906448},{"word":"your","start":124.91,"end":125.07,"confidence":0.9633789,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07003109902143478},{"word":"annual","start":125.07,"end":125.39,"confidence":0.9550781,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.034387171268463135},{"word":"review","start":125.39,"end":125.71,"confidence":0.9904785,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.034380242228507996},{"word":"which","start":125.71,"end":125.950005,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.033438339829444885},{"word":"was","start":125.950005,"end":126.19,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.02806072123348713},{"word":"late","start":126.19,"end":126.51,"confidence":0.98095703,"punctuated_word":"late","sentiment":"neutral","sentiment_score":0.024075644090771675},{"word":"last","start":126.51,"end":126.75,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.012148601934313774},{"word":"year","start":126.75,"end":126.990005,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.03913506492972374},{"word":"there","start":126.990005,"end":127.490005,"confidence":0.91308594,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.00502486526966095},{"word":"the","start":127.79,"end":127.950005,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.030223755165934563},{"word":"balance","start":127.950005,"end":128.27,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.060699574649333954},{"word":"was","start":128.27,"end":128.43001,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.018783533945679665},{"word":"about","start":128.43001,"end":128.75,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.004757232964038849},{"word":"a","start":128.75,"end":128.83,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004136199131608009},{"word":"150,020","start":128.83,"end":131.17,"confidence":0.99812824,"punctuated_word":"150,020.","sentiment":"neutral","sentiment_score":0.00024449379998259246},{"word":"you","start":131.76501,"end":131.925,"confidence":0.9902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.00063290074467659},{"word":"did","start":131.925,"end":132.16501,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.007722742855548859},{"word":"do","start":132.16501,"end":132.24501,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02983730286359787},{"word":"a","start":132.24501,"end":132.32501,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05200736224651337},{"word":"bit","start":132.32501,"end":132.485,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07228084653615952},{"word":"of","start":132.485,"end":132.565,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07355277240276337},{"word":"a","start":132.565,"end":132.645,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12343461811542512},{"word":"withdrawal","start":132.645,"end":133.125,"confidence":0.8286133,"punctuated_word":"withdrawal","sentiment":"neutral","sentiment_score":-0.12664413452148438},{"word":"earlier","start":133.125,"end":133.445,"confidence":0.99609375,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":-0.17159254848957062},{"word":"this","start":133.445,"end":133.68501,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.12217020988464355},{"word":"year","start":133.68501,"end":133.925,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.10707089304924013},{"word":"as","start":133.925,"end":134.005,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.11681151390075684},{"word":"well","start":134.005,"end":134.16501,"confidence":0.9406738,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.09493401646614076},{"word":"so","start":134.16501,"end":134.32501,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.06541414558887482},{"word":"that","start":134.32501,"end":134.565,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12374401837587357},{"word":"does","start":134.565,"end":134.80501,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.10042813420295715},{"word":"affect","start":134.80501,"end":135.125,"confidence":0.99609375,"punctuated_word":"affect","sentiment":"neutral","sentiment_score":-0.049784161150455475},{"word":"the","start":135.125,"end":135.285,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09068534523248672},{"word":"balance","start":135.285,"end":135.76501,"confidence":0.79589844,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":-0.09332238137722015},{"word":"but","start":135.76501,"end":136.005,"confidence":0.9941406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.049570776522159576},{"word":"your","start":136.005,"end":136.24501,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1211044266819954},{"word":"balance","start":136.24501,"end":136.565,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.019165046513080597},{"word":"at","start":136.565,"end":136.80501,"confidence":0.9536133,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.051796820014715195},{"word":"the","start":136.80501,"end":136.88501,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12747138738632202},{"word":"moment","start":136.88501,"end":137.285,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.12869715690612793},{"word":"is","start":137.285,"end":137.60501,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1607760190963745},{"word":"about","start":137.60501,"end":137.925,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16261160373687744},{"word":"$135,008.66","start":137.925,"end":141.145,"confidence":0.9526629,"punctuated_word":"$135,008.66,","sentiment":"neutral","sentiment_score":0.1279355138540268},{"word":"and","start":141.76501,"end":142.005,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18276764452457428},{"word":"your","start":142.005,"end":142.16501,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.35485830903053284},{"word":"performance","start":142.16501,"end":142.66501,"confidence":1.0,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.29237818717956543},{"word":"has","start":142.80501,"end":142.96501,"confidence":0.9165039,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.3793037235736847},{"word":"not","start":142.96501,"end":143.125,"confidence":1.0,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.37767523527145386},{"word":"done","start":143.125,"end":143.445,"confidence":0.9790039,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.3845546841621399},{"word":"too","start":143.445,"end":143.68501,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.2622937560081482},{"word":"bad","start":143.68501,"end":144.005,"confidence":0.9980469,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":0.19102609157562256},{"word":"so","start":144.005,"end":144.32501,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.28306907415390015},{"word":"whilst","start":144.32501,"end":144.645,"confidence":0.9301758,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":0.32579267024993896},{"word":"the","start":144.645,"end":144.80501,"confidence":0.97265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2428918033838272},{"word":"super","start":144.80501,"end":145.30501,"confidence":0.7246094,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.2779160141944885},{"word":"well","start":146.03,"end":146.35,"confidence":0.8405762,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.18232925236225128},{"word":"while","start":146.35,"end":146.51,"confidence":0.9667969,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.043369218707084656},{"word":"the","start":146.51,"end":146.67,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009344950318336489},{"word":"markets","start":146.67,"end":147.15,"confidence":0.61816406,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.1420407593250275},{"word":"as","start":147.15,"end":147.39,"confidence":0.92089844,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.011313289403915404},{"word":"a","start":147.39,"end":147.55,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09385641664266586},{"word":"whole","start":147.55,"end":147.87,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.15874990820884705},{"word":"have","start":147.87,"end":148.11,"confidence":0.87353516,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.062477827072143555},{"word":"been","start":148.11,"end":148.43001,"confidence":0.9970703,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.021526306867599487},{"word":"a","start":148.43001,"end":148.51,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.019773967564105988},{"word":"bit","start":148.51,"end":148.83,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08104075491428375},{"word":"volatile","start":148.83,"end":149.33,"confidence":0.99902344,"punctuated_word":"volatile","sentiment":"neutral","sentiment_score":-0.20262131094932556},{"word":"going","start":149.39,"end":149.55,"confidence":0.92578125,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.1378059834241867},{"word":"up","start":149.55,"end":149.71,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.20119881629943848},{"word":"and","start":149.71,"end":149.95,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1442369967699051},{"word":"down","start":149.95,"end":150.11,"confidence":0.9951172,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.12297619134187698},{"word":"a","start":150.11,"end":150.27,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09513144940137865},{"word":"lot","start":150.27,"end":150.51,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.09567375481128693},{"word":"with","start":150.51,"end":150.67,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07094034552574158},{"word":"what's","start":150.67,"end":150.91,"confidence":0.9970703,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.025878753513097763},{"word":"been","start":150.91,"end":151.23,"confidence":0.9838867,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.014181002974510191},{"word":"happening","start":151.23,"end":151.63,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.01917026937007904},{"word":"between","start":151.63,"end":152.03,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.06612689793109894},{"word":"the","start":152.03,"end":152.19,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.018589604645967484},{"word":"us","start":152.19,"end":152.51,"confidence":1.0,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.09738804399967194},{"word":"and","start":152.51,"end":152.67,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11293674260377884},{"word":"the","start":152.67,"end":152.83,"confidence":0.9394531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12088648229837418},{"word":"iran","start":152.83,"end":153.33,"confidence":0.75512695,"punctuated_word":"Iran,","sentiment":"neutral","sentiment_score":-0.0529225580394268},{"word":"with","start":153.95,"end":154.19,"confidence":0.6333008,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.221400648355484},{"word":"that","start":154.19,"end":154.43001,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13175034523010254},{"word":"war","start":154.43001,"end":154.75,"confidence":0.9970703,"punctuated_word":"war","sentiment":"neutral","sentiment_score":0.07420545816421509},{"word":"out","start":154.75,"end":154.83,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.16913500428199768},{"word":"there","start":154.83,"end":155.07,"confidence":0.9875488,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.286204069852829},{"word":"you've","start":155.07,"end":155.39,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.6639913320541382},{"word":"actually","start":155.39,"end":155.63,"confidence":1.0,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.6510618329048157},{"word":"come","start":155.63,"end":155.87,"confidence":0.99902344,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.7674335837364197},{"word":"out","start":155.87,"end":156.03,"confidence":0.98095703,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.7898182272911072},{"word":"with","start":156.03,"end":156.19,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.7993314862251282},{"word":"a","start":156.19,"end":156.35,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7493586540222168},{"word":"positive","start":156.35,"end":156.83,"confidence":1.0,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.7990407943725586},{"word":"6.26%","start":156.83,"end":158.27,"confidence":0.9970703,"punctuated_word":"6.26%","sentiment":"positive","sentiment_score":0.6435981392860413},{"word":"return","start":158.27,"end":158.77,"confidence":0.99902344,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.61719810962677},{"word":"at","start":158.83,"end":158.91,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.588453471660614},{"word":"the","start":158.91,"end":159.07,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6136362552642822},{"word":"end","start":159.07,"end":159.31,"confidence":1.0,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.6642225384712219},{"word":"of","start":159.31,"end":159.47,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6896088719367981},{"word":"the","start":159.47,"end":159.55,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6398151516914368},{"word":"year","start":159.55,"end":159.71,"confidence":0.9904785,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.6219857931137085},{"word":"which","start":159.71,"end":159.95,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.7562385201454163},{"word":"is","start":159.95,"end":160.19,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.8464208841323853},{"word":"great","start":160.19,"end":160.665,"confidence":0.8405762,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.7287432551383972},{"word":"and","start":161.385,"end":161.545,"confidence":0.9614258,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5542429089546204},{"word":"that's","start":161.545,"end":161.94499,"confidence":0.9742839,"punctuated_word":"that's,","sentiment":"positive","sentiment_score":0.5976990461349487},{"word":"yeah","start":161.94499,"end":162.34499,"confidence":1.0,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.582230806350708},{"word":"giving","start":162.34499,"end":162.58499,"confidence":0.9970703,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.5649035573005676},{"word":"you","start":162.58499,"end":162.825,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5875300765037537},{"word":"total","start":162.825,"end":163.22499,"confidence":0.9980469,"punctuated_word":"total","sentiment":"positive","sentiment_score":0.6119990944862366},{"word":"earnings","start":163.22499,"end":163.625,"confidence":0.99316406,"punctuated_word":"earnings","sentiment":"positive","sentiment_score":0.4994226694107056},{"word":"in","start":163.625,"end":163.78499,"confidence":0.9951172,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.468370646238327},{"word":"your","start":163.78499,"end":163.94499,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4991849958896637},{"word":"portfolio","start":163.94499,"end":164.44499,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.4586376547813415},{"word":"of","start":164.50499,"end":164.745,"confidence":0.97509766,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.638971745967865},{"word":"about","start":164.745,"end":165.06499,"confidence":0.9951172,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.5550074577331543},{"word":"$10,992","start":165.06499,"end":167.805,"confidence":0.96693635,"punctuated_word":"$10,992.","sentiment":"positive","sentiment_score":0.49513933062553406},{"word":"so","start":168.42499,"end":168.58499,"confidence":0.9770508,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.45462098717689514},{"word":"you","start":168.58499,"end":168.745,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6404668092727661},{"word":"have","start":168.745,"end":168.98499,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5875365734100342},{"word":"made","start":168.98499,"end":169.22499,"confidence":1.0,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.6551899313926697},{"word":"some","start":169.22499,"end":169.465,"confidence":0.99902344,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.5925280451774597},{"word":"money","start":169.465,"end":169.70499,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.7067762017250061},{"word":"in","start":169.70499,"end":169.86499,"confidence":0.9941406,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5962563157081604},{"word":"your","start":169.86499,"end":170.105,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7021524906158447},{"word":"portfolios","start":170.105,"end":170.605,"confidence":0.82470703,"punctuated_word":"portfolios","sentiment":"positive","sentiment_score":0.505903959274292},{"word":"after","start":170.825,"end":171.06499,"confidence":0.55371094,"punctuated_word":"after","sentiment":"positive","sentiment_score":0.5715742707252502},{"word":"the","start":171.06499,"end":171.14499,"confidence":0.9941406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5617996454238892},{"word":"year","start":171.14499,"end":171.305,"confidence":0.98779297,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.5509504675865173},{"word":"which","start":171.305,"end":171.465,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5614944100379944},{"word":"is","start":171.465,"end":171.70499,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5491523742675781},{"word":"good","start":171.70499,"end":171.86499,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5249854326248169},{"word":"to","start":171.86499,"end":172.025,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.635338306427002},{"word":"see","start":172.025,"end":172.525,"confidence":0.9941406,"punctuated_word":"see.","sentiment":"positive","sentiment_score":0.48187094926834106},{"word":"yeah","start":175.07999,"end":175.57999,"confidence":0.98291016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04528430476784706},{"word":"135,000","start":179.71999,"end":181.81999,"confidence":0.97749835,"punctuated_word":"135,000.","sentiment":"neutral","sentiment_score":0.01110411249101162},{"word":"yep","start":182.35999,"end":182.68,"confidence":0.734375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.013149455189704897},{"word":"sorry","start":182.68,"end":183.0,"confidence":0.9970703,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.0321301594376564},{"word":"i've","start":183.0,"end":183.07999,"confidence":0.99658203,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.05207676440477371},{"word":"got","start":183.07999,"end":183.31999,"confidence":0.99316406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.08372578024864197},{"word":"it","start":183.31999,"end":183.4,"confidence":0.8203125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07082125544548035},{"word":"here","start":183.4,"end":183.9,"confidence":0.99560547,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":-0.05514993518590927},{"word":"my","start":185.175,"end":185.41501,"confidence":0.9970703,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.09300803393125534},{"word":"apologies","start":185.41501,"end":185.895,"confidence":0.9941406,"punctuated_word":"apologies.","sentiment":"neutral","sentiment_score":-0.11440782248973846},{"word":"my","start":185.895,"end":186.05501,"confidence":1.0,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.1021997407078743},{"word":"computer","start":186.05501,"end":186.455,"confidence":1.0,"punctuated_word":"computer","sentiment":"neutral","sentiment_score":-0.09796856343746184},{"word":"just","start":186.455,"end":186.695,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09627525508403778},{"word":"had","start":186.695,"end":186.85501,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.08289502561092377},{"word":"a","start":186.85501,"end":186.93501,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06329032778739929},{"word":"little","start":186.93501,"end":187.095,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.04798386991024017},{"word":"bit","start":187.095,"end":187.255,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04669714346528053},{"word":"of","start":187.255,"end":187.335,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04576914757490158},{"word":"a","start":187.335,"end":187.49501,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.049423929303884506},{"word":"moment","start":187.49501,"end":187.99501,"confidence":0.9995117,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.043402135372161865},{"word":"135,866","start":188.21501,"end":191.41501,"confidence":0.99209875,"punctuated_word":"135,866","sentiment":"neutral","sentiment_score":-0.0008226943900808692},{"word":"and","start":191.41501,"end":191.735,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0032514631748199463},{"word":"81¢","start":191.735,"end":192.875,"confidence":0.95788574,"punctuated_word":"81¢."},{"word":"yeah","start":194.93501,"end":195.43501,"confidence":0.9099121,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.323819100856781},{"word":"beautiful","start":195.895,"end":196.395,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.35542353987693787},{"word":"so","start":197.19,"end":197.34999,"confidence":0.9633789,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3937832117080689},{"word":"it","start":197.34999,"end":197.43,"confidence":0.9970703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3874242901802063},{"word":"is","start":197.43,"end":197.67,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4445757567882538},{"word":"really","start":197.67,"end":197.91,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.3986699879169464},{"word":"good","start":197.91,"end":198.15,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.41584718227386475},{"word":"to","start":198.15,"end":198.31,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3931487798690796},{"word":"see","start":198.31,"end":198.62999,"confidence":0.9926758,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.2931031584739685},{"word":"now","start":198.62999,"end":198.87,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1778232604265213},{"word":"i","start":198.87,"end":199.03,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18264064192771912},{"word":"have","start":199.03,"end":199.27,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11762335151433943},{"word":"also","start":199.27,"end":199.59,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12466103583574296},{"word":"had","start":199.59,"end":199.83,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.12632708251476288},{"word":"a","start":199.83,"end":199.91,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11543717980384828},{"word":"bit","start":199.91,"end":200.06999,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11343227326869965},{"word":"of","start":200.06999,"end":200.15,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09366479516029358},{"word":"a","start":200.15,"end":200.23,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08975082635879517},{"word":"look","start":200.23,"end":200.55,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10684919357299805},{"word":"at","start":200.55,"end":201.05,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07297178357839584},{"word":"your","start":201.19,"end":201.43,"confidence":0.9428711,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.042399413883686066},{"word":"portfolio","start":201.43,"end":201.93,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.06501323729753494},{"word":"underlying","start":202.15,"end":202.65,"confidence":0.76538086,"punctuated_word":"underlying.","sentiment":"neutral","sentiment_score":0.07394363731145859},{"word":"i","start":203.11,"end":203.19,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.059476159512996674},{"word":"know","start":203.19,"end":203.43,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.04866253212094307},{"word":"last","start":203.43,"end":203.67,"confidence":0.9873047,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.08509010821580887},{"word":"year","start":203.67,"end":203.83,"confidence":0.9921875,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.05774146318435669},{"word":"when","start":203.83,"end":204.06999,"confidence":0.8491211,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.07873664051294327},{"word":"we","start":204.06999,"end":204.15,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08284637331962585},{"word":"spoke","start":204.15,"end":204.47,"confidence":0.9885254,"punctuated_word":"spoke,","sentiment":"neutral","sentiment_score":0.06791111826896667},{"word":"we","start":204.47,"end":204.55,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04419326409697533},{"word":"were","start":204.55,"end":204.79,"confidence":0.9921875,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.06669783592224121},{"word":"looking","start":204.79,"end":205.03,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.06508374214172363},{"word":"at","start":205.03,"end":205.19,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0797531008720398},{"word":"maybe","start":205.19,"end":205.51,"confidence":0.9921875,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.09574995189905168},{"word":"making","start":205.51,"end":205.83,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.09762896597385406},{"word":"some","start":205.83,"end":206.06999,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11003801226615906},{"word":"alterations","start":206.06999,"end":206.56999,"confidence":0.99609375,"punctuated_word":"alterations","sentiment":"neutral","sentiment_score":0.07400448620319366},{"word":"to","start":206.87,"end":207.37,"confidence":0.9807129,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.06381691247224808},{"word":"you","start":207.83,"end":207.98999,"confidence":0.9760742,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05232697352766991},{"word":"know","start":207.98999,"end":208.31,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05785439908504486},{"word":"see","start":208.31,"end":208.55,"confidence":0.99609375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.027017686516046524},{"word":"where","start":208.55,"end":208.70999,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.052933469414711},{"word":"we","start":208.70999,"end":208.87,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.021348319947719577},{"word":"were","start":208.87,"end":209.11,"confidence":0.9873047,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.06807126849889755},{"word":"tracking","start":209.11,"end":209.51,"confidence":1.0,"punctuated_word":"tracking.","sentiment":"neutral","sentiment_score":0.11088325083255768},{"word":"i","start":209.51,"end":209.67,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12022998183965684},{"word":"also","start":209.67,"end":209.98999,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.16190600395202637},{"word":"wanted","start":209.98999,"end":210.31,"confidence":0.99609375,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1583886742591858},{"word":"to","start":210.31,"end":210.47,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11989748477935792},{"word":"sort","start":210.47,"end":210.62999,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.14593204855918884},{"word":"of","start":210.62999,"end":210.70999,"confidence":0.8925781,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09393306821584702},{"word":"touch","start":210.70999,"end":210.95,"confidence":0.99902344,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.14805638790130615},{"word":"base","start":210.95,"end":211.19,"confidence":0.99902344,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.17959345877170563},{"word":"today","start":211.19,"end":211.51,"confidence":1.0,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.1418178230524063},{"word":"to","start":211.51,"end":211.845,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13265414535999298},{"word":"have","start":211.845,"end":212.005,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16118760406970978},{"word":"a","start":212.005,"end":212.085,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13535290956497192},{"word":"bit","start":212.085,"end":212.245,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.15429085493087769},{"word":"of","start":212.245,"end":212.285,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1283695250749588},{"word":"a","start":212.285,"end":212.325,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1367805153131485},{"word":"chat","start":212.325,"end":212.725,"confidence":0.94628906,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.1443626582622528},{"word":"about","start":212.725,"end":212.885,"confidence":0.94140625,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.15399673581123352},{"word":"making","start":212.885,"end":213.125,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.14049433171749115},{"word":"some","start":213.125,"end":213.365,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.14563073217868805},{"word":"changes","start":213.365,"end":213.685,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.1510971039533615},{"word":"to","start":213.685,"end":213.845,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12447935342788696},{"word":"both","start":213.845,"end":214.085,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.12297507375478745},{"word":"of","start":214.085,"end":214.16501,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1156555563211441},{"word":"your","start":214.16501,"end":214.405,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04154845327138901},{"word":"portfolios","start":214.405,"end":214.905,"confidence":0.9863281,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.13277262449264526},{"word":"as","start":215.045,"end":215.205,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12650202214717865},{"word":"well","start":215.205,"end":215.445,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.11039920151233672},{"word":"because","start":215.445,"end":215.765,"confidence":0.4951172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.116507887840271},{"word":"i","start":215.765,"end":215.925,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11218513548374176},{"word":"have","start":215.925,"end":216.16501,"confidence":0.8840332,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.0499398447573185},{"word":"after","start":216.16501,"end":216.485,"confidence":0.99902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.09855202585458755},{"word":"doing","start":216.485,"end":216.80501,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.05544854700565338},{"word":"some","start":216.80501,"end":217.045,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08047304302453995},{"word":"research","start":217.045,"end":217.545,"confidence":0.9941406,"punctuated_word":"research,","sentiment":"neutral","sentiment_score":0.04080813750624657},{"word":"noted","start":218.085,"end":218.485,"confidence":0.6464844,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.008642405271530151},{"word":"some","start":218.485,"end":218.645,"confidence":0.99121094,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.008394628763198853},{"word":"of","start":218.645,"end":218.80501,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012428320944309236},{"word":"the","start":218.80501,"end":218.965,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.050785258412361145},{"word":"investments","start":218.965,"end":219.445,"confidence":0.9970703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.03539493680000305},{"word":"are","start":219.445,"end":219.605,"confidence":0.89990234,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.06120460480451584},{"word":"underperforming","start":219.605,"end":220.105,"confidence":0.9946289,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.08252443373203278},{"word":"a","start":220.405,"end":220.565,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10242976248264311},{"word":"little","start":220.565,"end":220.725,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.1171809583902359},{"word":"bit","start":220.725,"end":220.965,"confidence":0.87475586,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.01404651254415512},{"word":"so","start":220.965,"end":221.125,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16776780784130096},{"word":"we","start":221.125,"end":221.285,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22941234707832336},{"word":"wanna","start":221.285,"end":221.525,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.16059361398220062},{"word":"make","start":221.525,"end":221.685,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.14064469933509827},{"word":"sure","start":221.685,"end":221.845,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.14408180117607117},{"word":"that","start":221.845,"end":222.005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09618151932954788},{"word":"whilst","start":222.005,"end":222.325,"confidence":0.99121094,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":0.12803268432617188},{"word":"you're","start":222.325,"end":222.485,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05403276905417442},{"word":"not","start":222.485,"end":222.725,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.029143542051315308},{"word":"taking","start":222.725,"end":223.125,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.011570781469345093},{"word":"too","start":223.125,"end":223.285,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.02930450439453125},{"word":"much","start":223.285,"end":223.605,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.08272571861743927},{"word":"risk","start":223.605,"end":223.845,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.04352504014968872},{"word":"in","start":223.845,"end":224.005,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.020896747708320618},{"word":"the","start":224.005,"end":224.16501,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00916336476802826},{"word":"market","start":224.16501,"end":224.66501,"confidence":0.767334,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":0.09419982135295868},{"word":"that","start":225.38,"end":225.54001,"confidence":0.9851074,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.11810635030269624},{"word":"you","start":225.54001,"end":225.70001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1379026174545288},{"word":"know","start":225.70001,"end":225.86,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.22004736959934235},{"word":"your","start":225.86,"end":226.1,"confidence":0.98291016,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.426660031080246},{"word":"super","start":226.1,"end":226.42001,"confidence":0.8828125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.3085346519947052},{"word":"is","start":226.42001,"end":226.66,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.256850004196167},{"word":"performing","start":226.66,"end":227.16,"confidence":1.0,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":0.29698243737220764},{"word":"at","start":227.22,"end":227.46,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2310858368873596},{"word":"its","start":227.46,"end":227.62001,"confidence":0.9790039,"punctuated_word":"its","sentiment":"neutral","sentiment_score":0.1950240284204483},{"word":"best","start":227.62001,"end":228.02,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.15636102855205536},{"word":"as","start":228.02,"end":228.18001,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12002871930599213},{"word":"well","start":228.18001,"end":228.68001,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.04934112727642059},{"word":"okay","start":228.82,"end":229.32,"confidence":0.9448242,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.027304550632834435},{"word":"frank","start":231.14001,"end":231.54001,"confidence":0.9116211,"punctuated_word":"Frank,","sentiment":"neutral","sentiment_score":0.017332803457975388},{"word":"to","start":231.54001,"end":231.70001,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016114644706249237},{"word":"give","start":231.70001,"end":231.94,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.022053072229027748},{"word":"you","start":231.94,"end":232.1,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018827201798558235},{"word":"a","start":232.1,"end":232.18001,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01138995960354805},{"word":"bit","start":232.18001,"end":232.34001,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.003809060901403427},{"word":"of","start":232.34001,"end":232.5,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.008533179759979248},{"word":"an","start":232.5,"end":232.66,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.024345098063349724},{"word":"update","start":232.66,"end":232.98001,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.01143655739724636},{"word":"there","start":232.98001,"end":233.22,"confidence":0.88134766,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.007496687583625317},{"word":"when","start":233.22,"end":233.46,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.014308461919426918},{"word":"we","start":233.46,"end":233.62001,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.00782054290175438},{"word":"sort","start":233.62001,"end":233.78001,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.012709766626358032},{"word":"of","start":233.78001,"end":233.94,"confidence":0.7792969,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006243940442800522},{"word":"caught","start":233.94,"end":234.1,"confidence":0.99316406,"punctuated_word":"caught","sentiment":"neutral","sentiment_score":0.0014760438352823255},{"word":"up","start":234.1,"end":234.34001,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.00039570778608322144},{"word":"last","start":234.34001,"end":234.58,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.007261533290147781},{"word":"year","start":234.58,"end":234.74,"confidence":0.80249023,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.0020558051764965057},{"word":"your","start":234.74,"end":234.90001,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.020996276289224625},{"word":"balance","start":234.90001,"end":235.3,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.0034304633736610413},{"word":"then","start":235.3,"end":235.54001,"confidence":0.91748047,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.001846224069595337},{"word":"was","start":235.54001,"end":235.78001,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.006639398634433746},{"word":"$89,841.09","start":235.78001,"end":239.56001,"confidence":0.99560547,"punctuated_word":"$89,841.09.","sentiment":"neutral","sentiment_score":0.007627710700035095},{"word":"speaking","start":240.505,"end":240.985,"confidence":0.6010742,"punctuated_word":"Speaking","sentiment":"neutral","sentiment_score":-0.024179428815841675},{"word":"now","start":240.985,"end":241.145,"confidence":0.88623047,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.030662935227155685},{"word":"your","start":241.145,"end":241.305,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08883421123027802},{"word":"balance","start":241.305,"end":241.625,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.03361174091696739},{"word":"is","start":241.625,"end":241.865,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.031377892941236496},{"word":"89,370","start":241.865,"end":244.525,"confidence":0.98939735,"punctuated_word":"89,370","sentiment":"neutral","sentiment_score":-0.010252232663333416},{"word":"and","start":244.585,"end":244.825,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.010547369718551636},{"word":"82¢","start":244.825,"end":245.785,"confidence":0.96606445,"punctuated_word":"82¢."},{"word":"so","start":245.785,"end":246.185,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1217733472585678},{"word":"it","start":246.185,"end":246.345,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10693339258432388},{"word":"has","start":246.345,"end":246.665,"confidence":0.9741211,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.13865269720554352},{"word":"just","start":246.665,"end":246.905,"confidence":0.85595703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10156132280826569},{"word":"gone","start":246.905,"end":247.225,"confidence":0.9970703,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.12621508538722992},{"word":"down","start":247.225,"end":247.545,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.12968383729457855},{"word":"a","start":247.545,"end":247.625,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15013828873634338},{"word":"little","start":247.625,"end":247.945,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.1592601239681244},{"word":"bit","start":247.945,"end":248.185,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.14391034841537476},{"word":"there","start":248.185,"end":248.345,"confidence":0.9794922,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.10301173478364944},{"word":"and","start":248.345,"end":248.505,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08979597687721252},{"word":"that","start":248.505,"end":248.745,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1203996017575264},{"word":"is","start":248.745,"end":248.905,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11036087572574615},{"word":"because","start":248.905,"end":249.225,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09596633911132812},{"word":"of","start":249.225,"end":249.385,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04467733949422836},{"word":"the","start":249.385,"end":249.545,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13901206851005554},{"word":"ups","start":249.545,"end":249.705,"confidence":0.9707031,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.08365793526172638},{"word":"and","start":249.705,"end":249.865,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1275385618209839},{"word":"downs","start":249.865,"end":250.185,"confidence":0.9902344,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":-0.1335712969303131},{"word":"the","start":250.185,"end":250.345,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1062217503786087},{"word":"market","start":250.345,"end":250.665,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.14483721554279327},{"word":"is","start":250.665,"end":250.905,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1152675449848175},{"word":"seeing","start":250.905,"end":251.405,"confidence":0.98291016,"punctuated_word":"seeing.","sentiment":"neutral","sentiment_score":-0.02677534520626068},{"word":"it's","start":252.78,"end":253.28,"confidence":0.97924805,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.0417647585272789},{"word":"mostly","start":253.34,"end":253.81999,"confidence":0.9980469,"punctuated_word":"mostly","sentiment":"neutral","sentiment_score":-0.05114160478115082},{"word":"just","start":253.81999,"end":254.14,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0935790091753006},{"word":"with","start":254.14,"end":254.37999,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07882313430309296},{"word":"the","start":254.37999,"end":254.45999,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10831360518932344},{"word":"market","start":254.45999,"end":254.86,"confidence":0.9980469,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.15542005002498627},{"word":"ups","start":254.86,"end":255.09999,"confidence":0.9819336,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.07996504008769989},{"word":"and","start":255.09999,"end":255.18,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16264235973358154},{"word":"downs","start":255.18,"end":255.5,"confidence":0.7531738,"punctuated_word":"downs.","sentiment":"neutral","sentiment_score":-0.13843262195587158},{"word":"but","start":255.5,"end":255.73999,"confidence":0.7475586,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06975340843200684},{"word":"when","start":255.73999,"end":255.9,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.24303507804870603},{"word":"we","start":255.9,"end":256.06,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1572703719139099},{"word":"sort","start":256.06,"end":256.22,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.23764055967330933},{"word":"of","start":256.22,"end":256.3,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2463110089302063},{"word":"look","start":256.3,"end":256.53998,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.21272647380828855},{"word":"at","start":256.53998,"end":256.69998,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2602934241294861},{"word":"performance","start":256.69998,"end":257.19998,"confidence":0.9760742,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.24462465941905975},{"word":"wise","start":257.34,"end":257.84,"confidence":0.9995117,"punctuated_word":"wise,","sentiment":"positive","sentiment_score":0.3613638579845429},{"word":"you","start":258.46,"end":258.62,"confidence":0.96777344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4736306369304657},{"word":"still","start":258.62,"end":258.86,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4951587319374085},{"word":"have","start":258.86,"end":259.18,"confidence":0.97998047,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5271468162536621},{"word":"had","start":259.18,"end":259.34,"confidence":0.9980469,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.5202217698097229},{"word":"a","start":259.34,"end":259.41998,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5418720245361328},{"word":"positive","start":259.41998,"end":259.91998,"confidence":1.0,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.7117176055908203},{"word":"return","start":259.97998,"end":260.46,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.5611817836761475},{"word":"inside","start":260.46,"end":260.94,"confidence":0.9980469,"punctuated_word":"inside","sentiment":"positive","sentiment_score":0.6646719574928284},{"word":"your","start":260.94,"end":261.18,"confidence":0.9951172,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6362759470939636},{"word":"portfolio","start":261.18,"end":261.68,"confidence":0.9436035,"punctuated_word":"portfolio.","sentiment":"positive","sentiment_score":0.5778613090515137},{"word":"so","start":262.06,"end":262.56,"confidence":0.9970703,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5217106342315674},{"word":"you","start":263.02,"end":263.18,"confidence":0.9589844,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5974686145782471},{"word":"still","start":263.18,"end":263.41998,"confidence":0.9741211,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.509163498878479},{"word":"come","start":263.41998,"end":263.66,"confidence":1.0,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.6722140908241272},{"word":"out","start":263.66,"end":263.82,"confidence":0.98291016,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.6937878727912903},{"word":"with","start":263.82,"end":263.97998,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6907038688659668},{"word":"a","start":263.97998,"end":264.06,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6620156764984131},{"word":"positive","start":264.06,"end":264.53998,"confidence":0.99902344,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.7417576909065247},{"word":"2%","start":264.53998,"end":265.1,"confidence":0.99853516,"punctuated_word":"2%","sentiment":"positive","sentiment_score":0.5870752930641174},{"word":"return","start":265.1,"end":265.58,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.4778877198696137},{"word":"net","start":265.58,"end":265.82,"confidence":0.97314453,"punctuated_word":"net","sentiment":"positive","sentiment_score":0.5777733325958252},{"word":"of","start":265.82,"end":266.06,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5162891149520874},{"word":"fees","start":266.06,"end":266.3,"confidence":0.9748535,"punctuated_word":"fees,","sentiment":"positive","sentiment_score":0.5130441784858704},{"word":"and","start":266.3,"end":266.53998,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4594114124774933},{"word":"it","start":266.53998,"end":266.62,"confidence":0.99121094,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5533809065818787},{"word":"does","start":266.62,"end":266.86,"confidence":0.9863281,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.4613588154315949},{"word":"mean","start":266.86,"end":267.02,"confidence":0.9902344,"punctuated_word":"mean","sentiment":"positive","sentiment_score":0.5199503898620605},{"word":"your","start":267.02,"end":267.345,"confidence":0.9658203,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.530605137348175},{"word":"portfolio","start":267.505,"end":267.825,"confidence":0.94921875,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.48050788044929504},{"word":"has","start":267.825,"end":268.065,"confidence":0.9980469,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5168236494064331},{"word":"made","start":268.065,"end":268.305,"confidence":1.0,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.5625647306442261},{"word":"about","start":268.305,"end":268.625,"confidence":0.99902344,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.4443874955177307},{"word":"$3,951","start":268.625,"end":270.865,"confidence":0.99958146,"punctuated_word":"$3,951","sentiment":"positive","sentiment_score":0.45718392729759216},{"word":"there","start":270.865,"end":271.365,"confidence":0.97558594,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.4358852803707123},{"word":"it's","start":271.425,"end":271.585,"confidence":0.99365234,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.06888183951377869},{"word":"just","start":271.585,"end":271.825,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.000331193208694458},{"word":"that","start":271.825,"end":272.065,"confidence":0.9003906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04040972888469696},{"word":"those","start":272.065,"end":272.225,"confidence":0.91015625,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.12399376928806304},{"word":"market","start":272.225,"end":272.705,"confidence":0.84472656,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.29594817757606506},{"word":"fluctuations","start":272.705,"end":273.205,"confidence":0.99902344,"punctuated_word":"fluctuations","sentiment":"negative","sentiment_score":-0.3797544538974762},{"word":"have","start":273.345,"end":273.585,"confidence":0.9970703,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.33933594822883606},{"word":"affected","start":273.585,"end":274.065,"confidence":0.99121094,"punctuated_word":"affected","sentiment":"neutral","sentiment_score":-0.24630746245384216},{"word":"that","start":274.065,"end":274.305,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08313144743442535},{"word":"return","start":274.305,"end":274.805,"confidence":0.88916016,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":-0.05781351402401924},{"word":"and","start":275.185,"end":275.425,"confidence":0.69091797,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1034199520945549},{"word":"at","start":275.425,"end":275.585,"confidence":0.984375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.18228626251220703},{"word":"the","start":275.585,"end":275.665,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1469874083995819},{"word":"moment","start":275.665,"end":276.065,"confidence":0.9970703,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.16038203239440918},{"word":"the","start":276.065,"end":276.225,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27106666564941406},{"word":"balance","start":276.225,"end":276.625,"confidence":0.9980469,"punctuated_word":"balance","sentiment":"negative","sentiment_score":-0.4261357486248016},{"word":"is","start":276.625,"end":276.705,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.31397363543510437},{"word":"down","start":276.705,"end":277.025,"confidence":0.9980469,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.33642327785491943},{"word":"slightly","start":277.025,"end":277.505,"confidence":0.9970703,"punctuated_word":"slightly","sentiment":"negative","sentiment_score":-0.33780714869499207},{"word":"because","start":277.505,"end":277.825,"confidence":0.99316406,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.35669153928756714},{"word":"of","start":277.825,"end":277.985,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.31809836626052856},{"word":"the","start":277.985,"end":278.305,"confidence":0.84814453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.31515759229660034},{"word":"ongoing","start":278.305,"end":278.805,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"negative","sentiment_score":-0.3740333914756775},{"word":"the","start":279.905,"end":279.985,"confidence":0.23840332,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3285363018512726},{"word":"ongoing","start":279.985,"end":280.465,"confidence":0.5151367,"punctuated_word":"ongoing","sentiment":"negative","sentiment_score":-0.4146865904331207},{"word":"ups","start":280.465,"end":280.705,"confidence":0.96777344,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.29853957891464233},{"word":"and","start":280.705,"end":280.785,"confidence":0.9970703,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3349470794200897},{"word":"downs","start":280.785,"end":281.105,"confidence":0.9921875,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":-0.2954362630844116},{"word":"the","start":281.105,"end":281.265,"confidence":0.96777344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.35044121742248535},{"word":"market","start":281.265,"end":281.585,"confidence":1.0,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.39161351323127747},{"word":"is","start":281.585,"end":281.825,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.30712267756462097},{"word":"seeing","start":281.825,"end":282.225,"confidence":0.923584,"punctuated_word":"seeing.","sentiment":"neutral","sentiment_score":-0.3012334704399109},{"word":"but","start":282.225,"end":282.725,"confidence":0.9250488,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.1251431703567505},{"word":"realistically","start":283.02,"end":283.52,"confidence":0.93530273,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.05041332542896271},{"word":"i","start":283.98,"end":284.06,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0033684298396110535},{"word":"mean","start":284.06,"end":284.3,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.041478026658296585},{"word":"if","start":284.3,"end":284.54,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03416116163134575},{"word":"i","start":284.54,"end":284.62,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.028723858296871185},{"word":"look","start":284.62,"end":284.78,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.020072154700756073},{"word":"back","start":284.78,"end":285.02,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.020321816205978394},{"word":"to","start":285.02,"end":285.26,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.014367617666721344},{"word":"this","start":285.26,"end":285.42,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.029882974922657013},{"word":"time","start":285.42,"end":285.74,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.014548152685165404},{"word":"last","start":285.74,"end":285.98,"confidence":0.7182617,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.004618123173713684},{"word":"year","start":285.98,"end":286.22,"confidence":0.9655762,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.015887923538684845},{"word":"your","start":286.22,"end":286.38,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.030842147767543793},{"word":"balance","start":286.38,"end":286.7,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.12607166171073914},{"word":"then","start":286.7,"end":286.94,"confidence":0.54833984,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.007650062441825867},{"word":"was","start":286.94,"end":287.18,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.030428238213062286},{"word":"86,000","start":287.18,"end":288.32,"confidence":0.98380536,"punctuated_word":"86,000.","sentiment":"neutral","sentiment_score":-0.019914982840418816},{"word":"so","start":288.54,"end":288.86,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03639478981494904},{"word":"it","start":288.86,"end":289.1,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08315721154212952},{"word":"is","start":289.1,"end":289.34,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07161901891231537},{"word":"still","start":289.34,"end":289.66,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.09056234359741212},{"word":"steadily","start":289.66,"end":290.16,"confidence":1.0,"punctuated_word":"steadily","sentiment":"neutral","sentiment_score":0.1161881685256958},{"word":"increasing","start":290.3,"end":290.8,"confidence":0.9802246,"punctuated_word":"increasing.","sentiment":"neutral","sentiment_score":0.09537909924983978},{"word":"it's","start":290.86,"end":291.1,"confidence":0.9926758,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.08592954277992249},{"word":"just","start":291.1,"end":291.34,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09846784174442293},{"word":"from","start":291.34,"end":291.58,"confidence":0.98535156,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.13273689150810242},{"word":"when","start":291.58,"end":291.82,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.1501431167125702},{"word":"we","start":291.82,"end":291.98,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.167691171169281},{"word":"spoke","start":291.98,"end":292.22,"confidence":0.9980469,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":-0.08705921471118927},{"word":"in","start":292.22,"end":292.46,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.14092081785202026},{"word":"august","start":292.46,"end":292.86,"confidence":1.0,"punctuated_word":"August","sentiment":"neutral","sentiment_score":-0.16280926764011383},{"word":"to","start":292.86,"end":293.02,"confidence":0.9589844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18058443069458008},{"word":"now","start":293.02,"end":293.26,"confidence":0.89941406,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.15504837036132812},{"word":"there's","start":293.26,"end":293.5,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.2707030177116394},{"word":"a","start":293.5,"end":293.74,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2518937587738037},{"word":"slight","start":293.74,"end":294.06,"confidence":1.0,"punctuated_word":"slight","sentiment":"neutral","sentiment_score":-0.30553126335144043},{"word":"drop","start":294.06,"end":294.3,"confidence":0.99902344,"punctuated_word":"drop","sentiment":"negative","sentiment_score":-0.3899380564689636},{"word":"in","start":294.3,"end":294.54,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4176416099071502},{"word":"in","start":294.54,"end":294.7,"confidence":0.99902344,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4429296851158142},{"word":"your","start":294.7,"end":294.86,"confidence":0.98828125,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.4271896779537201},{"word":"balance","start":294.86,"end":295.26,"confidence":0.9707031,"punctuated_word":"balance.","sentiment":"negative","sentiment_score":-0.46118977665901184},{"word":"that's","start":295.26,"end":295.58,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.2865418791770935},{"word":"all","start":295.58,"end":295.9,"confidence":0.95654297,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.166174054145813},{"word":"and","start":295.9,"end":296.06,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.11536681652069092},{"word":"it's","start":296.06,"end":296.22,"confidence":0.9926758,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1260930895805359},{"word":"only","start":296.22,"end":296.46,"confidence":0.9892578,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.09802015870809556},{"word":"of","start":296.46,"end":296.62,"confidence":0.7036133,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11774948239326476},{"word":"a","start":296.62,"end":296.7,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0659145712852478},{"word":"couple","start":296.7,"end":297.02,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.08374293893575668},{"word":"of","start":297.02,"end":297.1,"confidence":0.9760742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07833798974752426},{"word":"$100","start":297.1,"end":297.9,"confidence":1.0,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":-0.0517190620303154},{"word":"there","start":297.9,"end":298.06,"confidence":0.8840332,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.09056352823972702},{"word":"so","start":298.06,"end":298.425,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12917768955230713},{"word":"i","start":298.50497,"end":298.66498,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2696071267127991},{"word":"do","start":298.66498,"end":298.82498,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3128710091114044},{"word":"expect","start":298.82498,"end":299.305,"confidence":1.0,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.3320465087890625},{"word":"to","start":299.305,"end":299.38498,"confidence":0.69091797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3234063982963562},{"word":"come","start":299.38498,"end":299.625,"confidence":0.9980469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.3041262626647949},{"word":"back","start":299.625,"end":299.78497,"confidence":0.99902344,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.33680474758148193},{"word":"and","start":299.78497,"end":300.025,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2684571444988251},{"word":"recover","start":300.025,"end":300.425,"confidence":0.99902344,"punctuated_word":"recover","sentiment":"positive","sentiment_score":0.33591198921203613},{"word":"a","start":300.425,"end":300.585,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25835442543029785},{"word":"little","start":300.585,"end":300.745,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.12014390528202055},{"word":"bit","start":300.745,"end":300.985,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1996539682149887},{"word":"moving","start":300.985,"end":301.38498,"confidence":0.9980469,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.32127511501312256},{"word":"forward","start":301.38498,"end":301.88498,"confidence":1.0,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.306771844625473},{"word":"okay","start":301.94498,"end":302.44498,"confidence":0.8449707,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3442641496658325},{"word":"all","start":305.465,"end":305.865,"confidence":0.75,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5863458514213562},{"word":"good","start":305.865,"end":306.365,"confidence":0.9946289,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4860893785953522},{"word":"the","start":307.38498,"end":307.705,"confidence":0.9301758,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1205454096198082},{"word":"other","start":307.705,"end":307.94498,"confidence":0.9902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.03135893493890762},{"word":"thing","start":307.94498,"end":308.185,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.032583191990852356},{"word":"i","start":308.185,"end":308.26498,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.026703771203756332},{"word":"sort","start":308.26498,"end":308.425,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.028969399631023407},{"word":"of","start":308.425,"end":308.585,"confidence":0.96972656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03090144693851471},{"word":"wanted","start":308.585,"end":308.905,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.017348527908325195},{"word":"to","start":308.905,"end":308.985,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.009922657161951063},{"word":"talk","start":308.985,"end":309.22498,"confidence":0.9902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.01324440911412239},{"word":"to","start":309.22498,"end":309.305,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.013658557087183},{"word":"you","start":309.305,"end":309.465,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00844186544418335},{"word":"both","start":309.465,"end":309.705,"confidence":0.8232422,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.006096705794334412},{"word":"about","start":309.705,"end":309.94498,"confidence":0.8586426,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.02056983113288879},{"word":"as","start":309.94498,"end":310.10498,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.01779685541987419},{"word":"i","start":310.10498,"end":310.26498,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.004260066896677017},{"word":"kinda","start":310.26498,"end":310.50497,"confidence":0.71191406,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.008188016712665558},{"word":"mentioned","start":310.50497,"end":310.905,"confidence":0.9980469,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.03276574984192848},{"word":"before","start":310.905,"end":311.22498,"confidence":0.99609375,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.016567543148994446},{"word":"i've","start":311.22498,"end":311.54498,"confidence":0.99609375,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.025402864441275597},{"word":"looked","start":311.54498,"end":311.865,"confidence":0.99902344,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.04379740357398987},{"word":"at","start":311.865,"end":312.025,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03701481223106384},{"word":"both","start":312.025,"end":312.26498,"confidence":0.9951172,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.022481165826320648},{"word":"of","start":312.26498,"end":312.345,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.016261018812656403},{"word":"your","start":312.345,"end":312.585,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0035116374492645264},{"word":"super","start":312.585,"end":312.985,"confidence":0.9291992,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.034138791263103485},{"word":"funds","start":312.985,"end":313.485,"confidence":0.95581055,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":-0.0020051617175340652},{"word":"you","start":314.04,"end":314.28,"confidence":0.9951172,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.0067804232239723206},{"word":"both","start":314.28,"end":314.6,"confidence":0.99316406,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.016818396747112274},{"word":"do","start":314.6,"end":314.84,"confidence":0.93847656,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.026419296860694885},{"word":"have","start":314.84,"end":315.08,"confidence":0.9892578,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.027347825467586517},{"word":"and","start":315.08,"end":315.32,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.007401630282402039},{"word":"have","start":315.32,"end":315.48,"confidence":0.91503906,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.020731445401906967},{"word":"been","start":315.48,"end":315.8,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.008632782846689224},{"word":"recommended","start":315.8,"end":316.3,"confidence":0.99902344,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.04066656529903412},{"word":"in","start":316.36,"end":316.6,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03520849347114563},{"word":"the","start":316.6,"end":316.68,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029758181422948837},{"word":"past","start":316.68,"end":317.08,"confidence":1.0,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.03816210478544235},{"word":"the","start":317.08,"end":317.24,"confidence":0.640625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.028716403990983963},{"word":"banda","start":317.24,"end":317.56,"confidence":0.69311523,"punctuated_word":"Banda","sentiment":"neutral","sentiment_score":-0.056042298674583435},{"word":"long","start":317.56,"end":317.8,"confidence":0.9790039,"punctuated_word":"Long","sentiment":"neutral","sentiment_score":-0.010276887565851212},{"word":"australian","start":317.8,"end":318.3,"confidence":0.80615234,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.01799837499856949},{"word":"equities","start":318.36,"end":318.86,"confidence":0.7492676,"punctuated_word":"Equities","sentiment":"neutral","sentiment_score":-0.02011481486260891},{"word":"investment","start":318.91998,"end":319.41998,"confidence":0.78564453,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":-0.03582396358251572},{"word":"when","start":320.12,"end":320.36,"confidence":0.9790039,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.14096590876579285},{"word":"you","start":320.36,"end":320.52,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18023017048835752},{"word":"are","start":320.52,"end":320.68,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.15128614008426666},{"word":"looking","start":320.68,"end":321.0,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.1338178664445877},{"word":"at","start":321.0,"end":321.08,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1491222381591797},{"word":"the","start":321.08,"end":321.24,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.180857852101326},{"word":"internal","start":321.24,"end":321.63998,"confidence":0.99609375,"punctuated_word":"internal","sentiment":"neutral","sentiment_score":-0.18350020051002505},{"word":"rate","start":321.63998,"end":321.88,"confidence":0.9980469,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":-0.1483776569366455},{"word":"of","start":321.88,"end":321.96,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2120986431837082},{"word":"return","start":321.96,"end":322.36,"confidence":0.99902344,"punctuated_word":"return","sentiment":"neutral","sentiment_score":-0.13384470343589783},{"word":"report","start":322.36,"end":322.76,"confidence":0.9975586,"punctuated_word":"report,","sentiment":"neutral","sentiment_score":-0.1458270251750946},{"word":"that's","start":322.76,"end":323.0,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.2162826955318451},{"word":"probably","start":323.0,"end":323.24,"confidence":0.99316406,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.3048672378063202},{"word":"one","start":323.24,"end":323.48,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.298204630613327},{"word":"of","start":323.48,"end":323.56,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2510826289653778},{"word":"the","start":323.56,"end":323.72,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2426406294107437},{"word":"investments","start":323.72,"end":324.2,"confidence":0.9951172,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.3169091045856476},{"word":"that","start":324.2,"end":324.36,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2536516785621643},{"word":"is","start":324.36,"end":324.6,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.22252121567726135},{"word":"underperforming","start":324.6,"end":325.1,"confidence":0.99658203,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.22501304745674133},{"word":"in","start":325.4,"end":325.56,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.28041061758995056},{"word":"both","start":325.56,"end":325.8,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.23434968292713165},{"word":"of","start":325.8,"end":325.96,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.29238712787628174},{"word":"your","start":325.96,"end":326.2,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.30455535650253296},{"word":"supers","start":326.2,"end":326.68,"confidence":0.94921875,"punctuated_word":"supers","sentiment":"neutral","sentiment_score":-0.2096325159072876},{"word":"at","start":326.68,"end":326.91998,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.21138907968997955},{"word":"the","start":326.91998,"end":327.08,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1734810471534729},{"word":"moment","start":327.08,"end":327.58,"confidence":1.0,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.1850096881389618},{"word":"now","start":328.055,"end":328.215,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.09196314960718156},{"word":"when","start":328.215,"end":328.615,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.09634552896022797},{"word":"we","start":328.615,"end":328.935,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09762604534626008},{"word":"kind","start":328.935,"end":329.25497,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.13411502540111542},{"word":"of","start":329.25497,"end":329.57498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11088615655899048},{"word":"did","start":329.57498,"end":330.07498,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.1149572655558586},{"word":"when","start":330.935,"end":331.175,"confidence":0.9951172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.10044589638710022},{"word":"you","start":331.175,"end":331.41498,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08078522235155106},{"word":"did","start":331.41498,"end":331.735,"confidence":0.99609375,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.05270436778664589},{"word":"get","start":331.735,"end":331.895,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.06876958161592484},{"word":"the","start":331.895,"end":331.97498,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06903187185525894},{"word":"last","start":331.97498,"end":332.29498,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.036807864904403687},{"word":"advice","start":332.29498,"end":332.69498,"confidence":0.9453125,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.05124250426888466},{"word":"document","start":332.69498,"end":333.175,"confidence":0.9873047,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.04318211227655411},{"word":"a","start":333.175,"end":333.25497,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03547131270170212},{"word":"couple","start":333.25497,"end":333.495,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.04343733936548233},{"word":"of","start":333.495,"end":333.655,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03633657470345497},{"word":"years","start":333.655,"end":333.895,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.02381417155265808},{"word":"back","start":333.895,"end":334.13498,"confidence":0.7626953,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":-0.014545701444149016},{"word":"and","start":334.13498,"end":334.215,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01263374090194702},{"word":"this","start":334.215,"end":334.455,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.017486777156591415},{"word":"was","start":334.455,"end":334.69498,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.006111137568950653},{"word":"recommended","start":334.69498,"end":335.19498,"confidence":1.0,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.006041835993528366},{"word":"in","start":335.25497,"end":335.495,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0004386603832244873},{"word":"there","start":335.495,"end":335.995,"confidence":0.94628906,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.009317250922322272},{"word":"the","start":336.055,"end":336.29498,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016691744327545166},{"word":"main","start":336.29498,"end":336.615,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.0010016262531280518},{"word":"objective","start":336.615,"end":337.115,"confidence":0.98828125,"punctuated_word":"objective","sentiment":"neutral","sentiment_score":-0.020267046988010406},{"word":"to","start":337.175,"end":337.41498,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01174413412809372},{"word":"having","start":337.41498,"end":337.735,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.040862053632736206},{"word":"this","start":337.735,"end":337.97498,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.002377547323703766},{"word":"investment","start":337.97498,"end":338.47498,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.01779593527317047},{"word":"in","start":338.53497,"end":338.775,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04848117381334305},{"word":"your","start":338.775,"end":339.01498,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.037466034293174744},{"word":"super","start":339.01498,"end":339.495,"confidence":0.92822266,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1318541318178177},{"word":"is","start":339.495,"end":339.655,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07268644869327545},{"word":"that","start":339.655,"end":339.99,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05352257937192917},{"word":"the","start":340.38998,"end":340.71,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0034674406051635742},{"word":"investment","start":340.71,"end":341.21,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.07038521021604538},{"word":"manager","start":341.34998,"end":341.75,"confidence":1.0,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":-0.09304317086935043},{"word":"within","start":341.75,"end":341.99,"confidence":0.9790039,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.001619182527065277},{"word":"that","start":341.99,"end":342.15,"confidence":0.984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0013053342700004578},{"word":"spend","start":342.15,"end":342.38998,"confidence":0.20080566,"punctuated_word":"spend","sentiment":"neutral","sentiment_score":0.008596330881118774},{"word":"along","start":342.38998,"end":342.63,"confidence":0.6767578,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.0180041566491127},{"word":"australian","start":342.63,"end":343.11,"confidence":0.9760742,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.035752639174461365},{"word":"equities","start":343.11,"end":343.59,"confidence":0.7416992,"punctuated_word":"Equities","sentiment":"neutral","sentiment_score":0.00806003250181675},{"word":"fund","start":343.59,"end":344.09,"confidence":0.8598633,"punctuated_word":"Fund,","sentiment":"neutral","sentiment_score":-0.01582268625497818},{"word":"they","start":344.63,"end":344.87,"confidence":0.68310547,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.03640308976173401},{"word":"are","start":344.87,"end":345.11,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04348476231098175},{"word":"essentially","start":345.11,"end":345.59,"confidence":0.98828125,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.03371655195951462},{"word":"trying","start":345.59,"end":345.99,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.061365216970443726},{"word":"to","start":345.99,"end":346.06998,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07728300988674164},{"word":"pick","start":346.06998,"end":346.31,"confidence":0.89746094,"punctuated_word":"pick","sentiment":"neutral","sentiment_score":-0.07098475843667984},{"word":"the","start":346.31,"end":346.47,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06200163811445236},{"word":"market","start":346.47,"end":346.94998,"confidence":0.90527344,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":-0.06141221150755882},{"word":"time","start":346.94998,"end":347.27,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.021531328558921817},{"word":"the","start":347.27,"end":347.43,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03609701991081238},{"word":"market","start":347.43,"end":347.83,"confidence":0.9655762,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":-0.04544460028409958},{"word":"and","start":347.83,"end":348.06998,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.057251520454883575},{"word":"buy","start":348.06998,"end":348.31,"confidence":0.9970703,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.011628113687038422},{"word":"and","start":348.31,"end":348.47,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.014020442962646484},{"word":"sell","start":348.47,"end":348.78998,"confidence":1.0,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.04577163606882095},{"word":"investments","start":348.78998,"end":349.28998,"confidence":0.8935547,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.036127619445323944},{"word":"that","start":349.43,"end":349.93,"confidence":0.7963867,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0022757500410079956},{"word":"you","start":350.63,"end":350.78998,"confidence":0.9194336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.041806288063526154},{"word":"know","start":350.78998,"end":351.28998,"confidence":0.80371094,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05733693763613701},{"word":"basically","start":351.43,"end":351.93,"confidence":0.9970703,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.042826585471630096},{"word":"time","start":352.005,"end":352.325,"confidence":0.9892578,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.01948358118534088},{"word":"when","start":352.325,"end":352.40503,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.024139948189258575},{"word":"they","start":352.40503,"end":352.48502,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.02907668799161911},{"word":"can","start":352.48502,"end":352.805,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.017855942249298096},{"word":"get","start":352.805,"end":352.965,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.030171312391757965},{"word":"into","start":352.965,"end":353.285,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.028121136128902435},{"word":"the","start":353.285,"end":353.365,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01334238052368164},{"word":"market","start":353.365,"end":353.765,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.0030972138047218323},{"word":"and","start":353.765,"end":354.005,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02729526162147522},{"word":"buy","start":354.005,"end":354.245,"confidence":0.99609375,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.011964373290538788},{"word":"investments","start":354.245,"end":354.725,"confidence":0.9921875,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.027508407831192017},{"word":"that","start":354.725,"end":354.965,"confidence":0.60058594,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01353944092988968},{"word":"are","start":354.965,"end":355.045,"confidence":0.97265625,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.019227050244808197},{"word":"low","start":355.045,"end":355.285,"confidence":0.9873047,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.0052956268191337585},{"word":"that","start":355.285,"end":355.525,"confidence":0.9560547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.013696812093257904},{"word":"they","start":355.525,"end":355.685,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.044909439980983734},{"word":"see","start":355.685,"end":355.92502,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.0764671191573143},{"word":"additional","start":355.92502,"end":356.42502,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.0730927363038063},{"word":"growth","start":356.48502,"end":356.725,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.052370764315128326},{"word":"for","start":356.725,"end":357.225,"confidence":0.970459,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":-0.07842803001403809},{"word":"and","start":357.445,"end":357.685,"confidence":0.88964844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06847403198480606},{"word":"this","start":357.685,"end":357.92502,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.13137023150920868},{"word":"investment","start":357.92502,"end":358.42502,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.08682870119810104},{"word":"manager","start":358.48502,"end":358.965,"confidence":1.0,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":-0.1172669753432274},{"word":"is","start":358.965,"end":359.125,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06919402629137039},{"word":"supposed","start":359.125,"end":359.525,"confidence":0.99902344,"punctuated_word":"supposed","sentiment":"neutral","sentiment_score":-0.08721348643302917},{"word":"to","start":359.525,"end":359.685,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05123235285282135},{"word":"be","start":359.685,"end":359.845,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07877901941537857},{"word":"trying","start":359.845,"end":360.245,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.10504277050495148},{"word":"to","start":360.245,"end":360.405,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09487898647785188},{"word":"trade","start":360.405,"end":360.805,"confidence":0.9980469,"punctuated_word":"trade","sentiment":"neutral","sentiment_score":-0.11657731235027312},{"word":"against","start":360.805,"end":361.20502,"confidence":1.0,"punctuated_word":"against","sentiment":"neutral","sentiment_score":-0.07180605828762054},{"word":"the","start":361.20502,"end":361.285,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1215098276734352},{"word":"market","start":361.285,"end":361.785,"confidence":0.9873047,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.11532394587993622},{"word":"and","start":362.085,"end":362.325,"confidence":0.96972656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10444622486829758},{"word":"and","start":362.325,"end":362.565,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1171640008687973},{"word":"try","start":362.565,"end":362.805,"confidence":0.98095703,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.1057289019227028},{"word":"to","start":362.805,"end":362.965,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.062305718660354614},{"word":"make","start":362.965,"end":363.125,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.047254979610443115},{"word":"sure","start":363.125,"end":363.285,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.005994871258735657},{"word":"that","start":363.285,"end":363.525,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05715695023536682},{"word":"the","start":363.525,"end":363.685,"confidence":0.8256836,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09198331832885742},{"word":"fund","start":363.685,"end":363.92502,"confidence":0.9941406,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.010931342840194702},{"word":"is","start":363.92502,"end":364.165,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07614545524120331},{"word":"outperforming","start":364.165,"end":364.665,"confidence":0.9970703,"punctuated_word":"outperforming","sentiment":"neutral","sentiment_score":0.09341569989919662},{"word":"the","start":364.885,"end":365.045,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017542272806167603},{"word":"market","start":365.045,"end":365.445,"confidence":0.9951172,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.059927791357040405},{"word":"to","start":365.445,"end":365.605,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.055956244468688965},{"word":"try","start":365.605,"end":365.765,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.014842882752418518},{"word":"to","start":365.765,"end":365.92502,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0071242451667785645},{"word":"get","start":365.92502,"end":366.165,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03909608721733093},{"word":"a","start":366.165,"end":366.245,"confidence":0.69921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05853169411420822},{"word":"much","start":366.245,"end":366.48502,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.055486977100372314},{"word":"greater","start":366.48502,"end":366.885,"confidence":0.99902344,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.03665216267108917},{"word":"return","start":366.885,"end":367.385,"confidence":0.97998047,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.027786310762166977},{"word":"when","start":368.0,"end":368.16,"confidence":0.99316406,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.11819765716791152},{"word":"i","start":368.16,"end":368.32,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1428438425064087},{"word":"sort","start":368.32,"end":368.56,"confidence":0.6870117,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.17602062225341797},{"word":"of","start":368.56,"end":368.63998,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16938632726669312},{"word":"had","start":368.63998,"end":368.88,"confidence":0.9951172,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.1777675747871399},{"word":"a","start":368.88,"end":368.96,"confidence":0.96533203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18121804296970367},{"word":"look","start":368.96,"end":369.19998,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.15680794417858124},{"word":"at","start":369.19998,"end":369.28,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.142814502120018},{"word":"how","start":369.28,"end":369.52,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.1276337057352066},{"word":"they're","start":369.52,"end":369.75998,"confidence":0.9970703,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.13079224526882172},{"word":"performing","start":369.75998,"end":370.16,"confidence":1.0,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":-0.14167629182338717},{"word":"and","start":370.16,"end":370.32,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11248031258583067},{"word":"what's","start":370.32,"end":370.63998,"confidence":0.9975586,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.13900646567344666},{"word":"been","start":370.63998,"end":370.88,"confidence":0.9838867,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.19915299117565155},{"word":"going","start":370.88,"end":371.12,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.18721051514148712},{"word":"on","start":371.12,"end":371.52,"confidence":0.8510742,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.1853053867816925},{"word":"over","start":371.52,"end":371.84,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.27312150597572327},{"word":"the","start":371.84,"end":372.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2702457010746002},{"word":"last","start":372.0,"end":372.32,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.2569960057735443},{"word":"year","start":372.32,"end":372.72,"confidence":0.9970703,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.2739793062210083},{"word":"banda","start":372.72,"end":373.12,"confidence":0.2164917,"punctuated_word":"Banda","sentiment":"negative","sentiment_score":-0.3541026711463928},{"word":"long","start":373.12,"end":373.28,"confidence":0.96972656,"punctuated_word":"Long","sentiment":"neutral","sentiment_score":-0.32032158970832825},{"word":"has","start":373.28,"end":373.44,"confidence":0.50634766,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.4075635969638825},{"word":"not","start":373.44,"end":373.6,"confidence":0.99902344,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.41873928904533386},{"word":"been","start":373.6,"end":373.84,"confidence":0.984375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.32592636346817017},{"word":"able","start":373.84,"end":374.08,"confidence":1.0,"punctuated_word":"able","sentiment":"negative","sentiment_score":-0.3609026968479157},{"word":"to","start":374.08,"end":374.24,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.33396169543266296},{"word":"do","start":374.24,"end":374.4,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.3279059827327728},{"word":"that","start":374.4,"end":374.56,"confidence":0.7858887,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.2839139699935913},{"word":"and","start":374.56,"end":374.72,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17388807237148285},{"word":"i","start":374.72,"end":374.8,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.25510430335998535},{"word":"don't","start":374.8,"end":374.96,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1943431943655014},{"word":"know","start":374.96,"end":375.12,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.20040008425712583},{"word":"if","start":375.12,"end":375.28,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1970701962709427},{"word":"you","start":375.28,"end":375.44,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16565901041030884},{"word":"sort","start":375.44,"end":375.75998,"confidence":0.80078125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.18702223896980288},{"word":"of","start":375.75998,"end":376.0,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.156674325466156},{"word":"had","start":376.0,"end":376.24,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.14681370556354523},{"word":"a","start":376.24,"end":376.32,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11953943967819214},{"word":"look","start":376.32,"end":376.56,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.153043732047081},{"word":"at","start":376.56,"end":376.63998,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.19077640771865845},{"word":"that","start":376.63998,"end":376.88,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17795144021511078},{"word":"investment","start":376.88,"end":377.38,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.16628052294254303},{"word":"over","start":377.44,"end":377.68,"confidence":0.9941406,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.1731820851564407},{"word":"the","start":377.68,"end":377.84,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17682966589927673},{"word":"past","start":377.84,"end":378.16,"confidence":1.0,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.2224213182926178},{"word":"few","start":378.16,"end":378.4,"confidence":0.99121094,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.2334199845790863},{"word":"years","start":378.4,"end":378.63998,"confidence":0.7644043,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.08649028092622757},{"word":"but","start":378.63998,"end":379.13998,"confidence":0.75341797,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.011822488158941267},{"word":"from","start":379.19998,"end":379.52,"confidence":0.98828125,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.11258286237716676},{"word":"covid","start":379.52,"end":379.91998,"confidence":0.9995117,"punctuated_word":"COVID","sentiment":"neutral","sentiment_score":-0.08995899558067322},{"word":"onwards","start":379.91998,"end":380.4,"confidence":0.97436523,"punctuated_word":"onwards,","sentiment":"neutral","sentiment_score":-0.10237015783786774},{"word":"they","start":380.4,"end":380.63998,"confidence":0.9892578,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.15760058164596558},{"word":"have","start":380.63998,"end":380.8,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1330549269914627},{"word":"had","start":380.8,"end":381.03998,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.12798252701759338},{"word":"a","start":381.03998,"end":381.12,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1290196180343628},{"word":"bit","start":381.12,"end":381.28,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.10618114471435548},{"word":"of","start":381.28,"end":381.44,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17745137214660645},{"word":"up","start":381.44,"end":381.6,"confidence":0.9199219,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.15095046162605286},{"word":"and","start":381.6,"end":381.75998,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2269747108221054},{"word":"downs","start":381.75998,"end":382.08,"confidence":0.7546387,"punctuated_word":"downs.","sentiment":"neutral","sentiment_score":-0.1543935388326645},{"word":"they've","start":382.08,"end":382.335,"confidence":0.78149414,"punctuated_word":"They've","sentiment":"neutral","sentiment_score":-0.13337816298007965},{"word":"had","start":382.41498,"end":382.57498,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.10003003478050232},{"word":"some","start":382.57498,"end":382.815,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.13048997521400452},{"word":"years","start":382.815,"end":383.13498,"confidence":0.9160156,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.1386769562959671},{"word":"which","start":383.13498,"end":383.21497,"confidence":0.46704102,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.11498397588729858},{"word":"have","start":383.21497,"end":383.29498,"confidence":0.50683594,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1381901651620865},{"word":"been","start":383.29498,"end":383.535,"confidence":0.99316406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1230100691318512},{"word":"really","start":383.535,"end":383.85498,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.17543260753154755},{"word":"great","start":383.85498,"end":384.35498,"confidence":1.0,"punctuated_word":"great","sentiment":"neutral","sentiment_score":-0.11298811435699464},{"word":"and","start":384.41498,"end":384.655,"confidence":0.4909668,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.055988945066928864},{"word":"other","start":384.655,"end":384.895,"confidence":0.84716797,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.10787051916122437},{"word":"years","start":384.895,"end":385.215,"confidence":0.9921875,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.16109514236450195},{"word":"which","start":385.215,"end":385.375,"confidence":0.32641602,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.14203493297100067},{"word":"have","start":385.375,"end":385.535,"confidence":0.5571289,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2060131728649139},{"word":"struggled","start":385.535,"end":386.035,"confidence":0.9819336,"punctuated_word":"struggled","sentiment":"neutral","sentiment_score":-0.32339102029800415},{"word":"heavily","start":386.175,"end":386.675,"confidence":0.99560547,"punctuated_word":"heavily.","sentiment":"neutral","sentiment_score":-0.2457166612148285},{"word":"with","start":387.615,"end":388.115,"confidence":0.6879883,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.17204172909259796},{"word":"the","start":388.175,"end":388.41498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19608598947525024},{"word":"most","start":388.41498,"end":388.815,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.21389953792095184},{"word":"recent","start":388.815,"end":389.215,"confidence":1.0,"punctuated_word":"recent","sentiment":"neutral","sentiment_score":-0.30280473828315735},{"word":"struggles","start":389.215,"end":389.715,"confidence":0.9472656,"punctuated_word":"struggles","sentiment":"neutral","sentiment_score":-0.3066082000732422},{"word":"they've","start":389.775,"end":390.01498,"confidence":0.795166,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.2416076362133026},{"word":"had","start":390.01498,"end":390.41498,"confidence":0.99658203,"punctuated_word":"had,","sentiment":"neutral","sentiment_score":-0.2567274570465088},{"word":"i've","start":390.41498,"end":390.655,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.27783849835395813},{"word":"had","start":390.655,"end":390.815,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.2018200159072876},{"word":"a","start":390.815,"end":390.895,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2419772744178772},{"word":"bit","start":390.895,"end":391.055,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.19580811262130737},{"word":"of","start":391.055,"end":391.215,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.25551456212997437},{"word":"a","start":391.215,"end":391.29498,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2868603467941284},{"word":"look","start":391.29498,"end":391.535,"confidence":0.87280273,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.15421564877033234},{"word":"and","start":391.535,"end":391.69498,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1989281624555588},{"word":"i","start":391.69498,"end":391.775,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3689653873443603},{"word":"don't","start":391.775,"end":392.01498,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.43490299582481384},{"word":"believe","start":392.01498,"end":392.41498,"confidence":1.0,"punctuated_word":"believe","sentiment":"negative","sentiment_score":-0.4308245778083801},{"word":"they're","start":392.41498,"end":392.655,"confidence":0.9226074,"punctuated_word":"they're","sentiment":"negative","sentiment_score":-0.47948116064071655},{"word":"a","start":392.655,"end":392.895,"confidence":0.9892578,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4573376774787903},{"word":"good","start":392.895,"end":393.13498,"confidence":0.99902344,"punctuated_word":"good","sentiment":"negative","sentiment_score":-0.33648401498794556},{"word":"investment","start":393.13498,"end":393.63498,"confidence":1.0,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.396448016166687},{"word":"any","start":393.775,"end":394.095,"confidence":1.0,"punctuated_word":"any","sentiment":"negative","sentiment_score":-0.4637013971805573},{"word":"longer","start":394.095,"end":394.595,"confidence":0.9995117,"punctuated_word":"longer.","sentiment":"negative","sentiment_score":-0.3547104001045227},{"word":"i","start":395.37003,"end":395.61002,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08190976828336716},{"word":"wanted","start":395.61002,"end":395.85,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.036259643733501434},{"word":"to","start":395.85,"end":396.01,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01763509213924408},{"word":"sort","start":396.01,"end":396.17,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0779627338051796},{"word":"of","start":396.17,"end":396.41,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0545327365398407},{"word":"maybe","start":396.41,"end":396.65002,"confidence":0.9716797,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.08660733699798584},{"word":"look","start":396.65002,"end":396.81003,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.04400186985731125},{"word":"at","start":396.81003,"end":397.05002,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04641684889793396},{"word":"taking","start":397.05002,"end":397.37003,"confidence":0.99902344,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.04355214536190033},{"word":"that","start":397.37003,"end":397.61002,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.027173958718776703},{"word":"out","start":397.61002,"end":397.85,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.025745339691638947},{"word":"there","start":397.85,"end":398.09003,"confidence":0.7265625,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.030515968799591064},{"word":"for","start":398.09003,"end":398.41,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.018938884139060978},{"word":"you","start":398.41,"end":398.65002,"confidence":0.91552734,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.035012051463127136},{"word":"replacing","start":398.65002,"end":399.13,"confidence":0.9873047,"punctuated_word":"replacing","sentiment":"neutral","sentiment_score":-0.03153783082962036},{"word":"it","start":399.13,"end":399.29,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.002933502197265625},{"word":"with","start":399.29,"end":399.53003,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.02810815721750259},{"word":"something","start":399.53003,"end":399.85,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.0003888756036758423},{"word":"else","start":399.85,"end":400.35,"confidence":0.99853516,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":-0.05988244339823723},{"word":"i've","start":400.65002,"end":400.89,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04439183697104454},{"word":"actually","start":400.89,"end":401.21002,"confidence":1.0,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.05370310693979263},{"word":"been","start":401.21002,"end":401.53003,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.04807033762335777},{"word":"having","start":401.53003,"end":401.77002,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.07403606176376343},{"word":"a","start":401.77002,"end":401.85,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08328092098236084},{"word":"look","start":401.85,"end":402.09003,"confidence":0.94628906,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.07450894266366959},{"word":"and","start":402.09003,"end":402.25,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09540067613124847},{"word":"i","start":402.25,"end":402.41,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09929318726062776},{"word":"wanted","start":402.41,"end":402.73,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.10421638190746307},{"word":"to","start":402.73,"end":402.81003,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11770513653755188},{"word":"get","start":402.81003,"end":403.05002,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11881360411643982},{"word":"both","start":403.05002,"end":403.29,"confidence":0.9980469,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.14507068693637848},{"word":"of","start":403.29,"end":403.45,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12727634608745575},{"word":"your","start":403.45,"end":403.69,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13223488628864288},{"word":"thoughts","start":403.69,"end":404.01,"confidence":0.99609375,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":0.06925468146800995},{"word":"on","start":404.01,"end":404.25,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11038298904895782},{"word":"this","start":404.25,"end":404.49002,"confidence":0.99902344,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.06866854429244995},{"word":"so","start":404.49002,"end":404.73,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.067021444439888},{"word":"because","start":404.73,"end":405.13,"confidence":0.9658203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05087482929229736},{"word":"that","start":405.13,"end":405.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06609269976615906},{"word":"investment","start":405.29,"end":405.77002,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.09088189154863358},{"word":"is","start":405.77002,"end":406.01,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0718720406293869},{"word":"more","start":406.01,"end":406.17,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.09424135833978652},{"word":"of","start":406.17,"end":406.25,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08677156269550323},{"word":"an","start":406.25,"end":406.49002,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08992187678813934},{"word":"actively","start":406.49002,"end":406.97,"confidence":1.0,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.14197005331516266},{"word":"managed","start":406.97,"end":407.37003,"confidence":0.99902344,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.14213645458221436},{"word":"investment","start":407.37003,"end":407.85,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.0799226462841034},{"word":"in","start":407.85,"end":408.01,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09303609281778336},{"word":"your","start":408.01,"end":408.17,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0767635777592659},{"word":"fund","start":408.17,"end":408.67,"confidence":0.86450195,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.07470867782831192},{"word":"they","start":409.285,"end":409.52502,"confidence":0.99121094,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.05718633532524109},{"word":"normally","start":409.52502,"end":410.005,"confidence":0.99902344,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.08042557537555695},{"word":"hold","start":410.005,"end":410.405,"confidence":0.98095703,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.04843971878290176},{"word":"between","start":410.405,"end":410.885,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.03914465010166168},{"word":"15","start":410.885,"end":411.20502,"confidence":0.99902344,"punctuated_word":"15","sentiment":"neutral","sentiment_score":0.06275368481874466},{"word":"to","start":411.20502,"end":411.445,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04452352225780487},{"word":"25","start":411.445,"end":412.005,"confidence":1.0,"punctuated_word":"25","sentiment":"neutral","sentiment_score":0.06703454256057739},{"word":"different","start":412.005,"end":412.48502,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.04437744989991188},{"word":"investments","start":412.48502,"end":412.98502,"confidence":0.9885254,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.03440360352396965},{"word":"if","start":413.605,"end":413.845,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.10752157121896744},{"word":"you","start":413.845,"end":414.005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09618330001831056},{"word":"wanted","start":414.005,"end":414.325,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.09093745052814484},{"word":"to","start":414.325,"end":414.725,"confidence":0.9980469,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.0878148227930069},{"word":"i","start":414.725,"end":414.885,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1335257887840271},{"word":"have","start":414.885,"end":415.045,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1318257600069046},{"word":"a","start":415.045,"end":415.125,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12303544580936432},{"word":"couple","start":415.125,"end":415.445,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1223343461751938},{"word":"of","start":415.445,"end":415.685,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12185194343328476},{"word":"options","start":415.685,"end":416.185,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.09474565088748932},{"word":"which","start":416.245,"end":416.565,"confidence":0.640625,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.15043947100639343},{"word":"might","start":416.565,"end":416.725,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.22166481614112857},{"word":"actually","start":416.725,"end":417.125,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.20509010553359985},{"word":"be","start":417.125,"end":417.285,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2207786440849304},{"word":"a","start":417.285,"end":417.36502,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2194935530424118},{"word":"bit","start":417.36502,"end":417.52502,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1805526316165924},{"word":"cheaper","start":417.52502,"end":417.92502,"confidence":0.9980469,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.1814880073070526},{"word":"in","start":417.92502,"end":418.08502,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23334890604019165},{"word":"investment","start":418.08502,"end":418.58502,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.05757322162389755},{"word":"fees","start":418.64502,"end":419.14502,"confidence":0.80566406,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.17757749557495117},{"word":"does","start":419.765,"end":420.08502,"confidence":0.50341797,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.17595897614955902},{"word":"give","start":420.08502,"end":420.245,"confidence":0.9770508,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.29610520601272583},{"word":"you","start":420.245,"end":420.405,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27962249517440796},{"word":"greater","start":420.405,"end":420.80502,"confidence":0.9550781,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.237499937415123},{"word":"diversification","start":420.80502,"end":421.30502,"confidence":0.7836914,"punctuated_word":"diversification.","sentiment":"neutral","sentiment_score":0.26759231090545654},{"word":"instead","start":426.04,"end":426.36002,"confidence":0.5932617,"punctuated_word":"Instead","sentiment":"neutral","sentiment_score":0.12011197209358215},{"word":"of","start":426.36002,"end":426.52002,"confidence":0.91259766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06404069066047668},{"word":"having","start":426.52002,"end":426.84,"confidence":0.9482422,"punctuated_word":"having,","sentiment":"neutral","sentiment_score":0.0801883339881897},{"word":"you","start":426.84,"end":427.08002,"confidence":0.81396484,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06657734513282776},{"word":"know","start":427.08002,"end":427.16,"confidence":0.94677734,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0833393782377243},{"word":"15","start":427.16,"end":427.64,"confidence":0.9633789,"punctuated_word":"15","sentiment":"neutral","sentiment_score":0.06533506512641907},{"word":"or","start":427.64,"end":427.72,"confidence":0.94140625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07329578697681427},{"word":"20","start":427.72,"end":428.04,"confidence":0.94921875,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.15662458539009094},{"word":"investors","start":428.04,"end":428.52002,"confidence":0.44921875,"punctuated_word":"investors","sentiment":"neutral","sentiment_score":0.06595934927463531},{"word":"in","start":428.52002,"end":428.6,"confidence":0.9633789,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09817667305469512},{"word":"the","start":428.6,"end":428.76,"confidence":0.94189453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0902169793844223},{"word":"fund","start":428.76,"end":428.92,"confidence":0.9511719,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.06222456321120262},{"word":"have","start":428.92,"end":429.16,"confidence":0.71972656,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1289055496454239},{"word":"about","start":429.16,"end":429.48,"confidence":0.8520508,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0943549871444702},{"word":"200","start":429.48,"end":430.12,"confidence":0.920166,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.13714824616909027},{"word":"so","start":430.12,"end":430.56,"confidence":0.86279297,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18863022327423096},{"word":"it","start":430.56,"end":431.0,"confidence":0.88671875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18224406242370603},{"word":"gives","start":431.0,"end":431.24002,"confidence":0.8491211,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.20640598237514496},{"word":"you","start":431.24002,"end":431.32,"confidence":0.96240234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22821420431137085},{"word":"greater","start":431.32,"end":431.64,"confidence":0.90283203,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.21553963422775269},{"word":"diversification","start":431.64,"end":432.14,"confidence":0.97802734,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.3302799463272095},{"word":"and","start":432.6,"end":432.76,"confidence":0.63427734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19847381114959717},{"word":"might","start":432.76,"end":432.92,"confidence":0.96533203,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.26468542218208313},{"word":"be","start":432.92,"end":433.08002,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.28998422622680664},{"word":"a","start":433.08002,"end":433.20752,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27555668354034424},{"word":"bit","start":433.20752,"end":433.335,"confidence":0.96875,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2212955802679062},{"word":"cheaper","start":433.495,"end":433.815,"confidence":1.0,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.192458838224411},{"word":"in","start":433.815,"end":434.29498,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1631801426410675},{"word":"administration","start":434.29498,"end":434.79498,"confidence":0.99902344,"punctuated_word":"administration","sentiment":"neutral","sentiment_score":0.08874189108610153},{"word":"fees","start":435.095,"end":435.41498,"confidence":0.9980469,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.14706343412399292},{"word":"and","start":435.41498,"end":435.655,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10086402297019958},{"word":"investment","start":435.655,"end":436.155,"confidence":0.99316406,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.050547800958156586},{"word":"fees","start":436.215,"end":436.535,"confidence":0.99560547,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.06676211208105087},{"word":"would","start":436.535,"end":436.775,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.0749443769454956},{"word":"you","start":436.775,"end":436.935,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09303997457027437},{"word":"like","start":436.935,"end":437.095,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0663614347577095},{"word":"me","start":437.095,"end":437.255,"confidence":0.99316406,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10875608026981354},{"word":"to","start":437.255,"end":437.41498,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11601117253303528},{"word":"look","start":437.41498,"end":437.57498,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09101761877536774},{"word":"at","start":437.57498,"end":437.735,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11733900755643845},{"word":"a","start":437.735,"end":437.815,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11594755947589874},{"word":"cheaper","start":437.815,"end":438.215,"confidence":1.0,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.1252826452255249},{"word":"investment","start":438.215,"end":438.715,"confidence":0.98828125,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03522016853094101},{"word":"for","start":438.85498,"end":439.095,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0915227308869362},{"word":"you","start":439.095,"end":439.41498,"confidence":0.90771484,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.06703561544418335},{"word":"or","start":439.41498,"end":439.91498,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06478621810674667},{"word":"do","start":440.055,"end":440.215,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.035957612097263336},{"word":"you","start":440.215,"end":440.375,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0645206943154335},{"word":"have","start":440.375,"end":440.615,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0388532280921936},{"word":"any","start":440.615,"end":440.85498,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.025984257459640503},{"word":"questions","start":440.85498,"end":441.255,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.027845077216625217},{"word":"about","start":441.255,"end":441.57498,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.031113803386688232},{"word":"that","start":441.57498,"end":442.07498,"confidence":0.9980469,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.0016864649951457975},{"word":"yeah","start":447.27002,"end":447.77002,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01082739233970642},{"word":"yeah","start":450.47,"end":450.97,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028271012008190155},{"word":"yep","start":452.23,"end":452.55002,"confidence":0.9086914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09344892203807832},{"word":"did","start":452.55002,"end":452.87,"confidence":0.9453125,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.048701491206884384},{"word":"you","start":452.87,"end":452.95,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0675584077835083},{"word":"want","start":452.95,"end":453.11002,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.06734640151262283},{"word":"me","start":453.11002,"end":453.27002,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08936355262994766},{"word":"to","start":453.27002,"end":453.43,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07956022769212723},{"word":"sort","start":453.43,"end":453.67,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07691111415624619},{"word":"of","start":453.67,"end":453.83002,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08287180960178375},{"word":"try","start":453.83002,"end":453.99,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.07402464747428894},{"word":"and","start":453.99,"end":454.47,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0928177684545517},{"word":"lower","start":454.47,"end":454.71,"confidence":0.9951172,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.0690319836139679},{"word":"the","start":454.71,"end":454.87,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08564282953739166},{"word":"cost","start":454.87,"end":455.11002,"confidence":0.9970703,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.06943269073963165},{"word":"of","start":455.11002,"end":455.35,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05837888643145561},{"word":"maybe","start":455.35,"end":455.67,"confidence":0.90478516,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.014226704835891724},{"word":"investment","start":455.67,"end":456.17,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.01206713169813156},{"word":"fees","start":456.23,"end":456.47,"confidence":0.99121094,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.05526118725538254},{"word":"for","start":456.47,"end":456.63,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07468311488628387},{"word":"you","start":456.63,"end":456.87,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05412248149514198},{"word":"so","start":456.87,"end":457.03,"confidence":0.97509766,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04123115539550781},{"word":"that","start":457.03,"end":457.19,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07783982157707214},{"word":"you're","start":457.19,"end":457.35,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06341172009706497},{"word":"not","start":457.35,"end":457.51,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06344816088676453},{"word":"paying","start":457.51,"end":457.83002,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.04612422734498978},{"word":"as","start":457.83002,"end":457.99,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03922079503536224},{"word":"much","start":457.99,"end":458.15,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.07529804110527039},{"word":"in","start":458.15,"end":458.31,"confidence":0.8989258,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.012558087706565855},{"word":"investment","start":458.31,"end":458.81,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.08172040432691574},{"word":"fees","start":458.87,"end":459.11002,"confidence":0.9921875,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.04612128064036369},{"word":"for","start":459.11002,"end":459.27002,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.009633265435695648},{"word":"investment","start":459.27002,"end":459.77002,"confidence":0.9694824,"punctuated_word":"investment?","sentiment":"neutral","sentiment_score":0.014082871377468107},{"word":"yeah","start":465.385,"end":465.865,"confidence":0.9812012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15982158482074738},{"word":"okay","start":465.865,"end":466.365,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.30278274416923523},{"word":"beautiful","start":467.385,"end":467.885,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5538927316665649},{"word":"i've","start":468.185,"end":468.425,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.3321252465248108},{"word":"had","start":468.425,"end":468.585,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.29070931673049927},{"word":"a","start":468.585,"end":468.665,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3042218089103699},{"word":"bit","start":468.665,"end":468.825,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1943795680999756},{"word":"of","start":468.825,"end":468.905,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22343957424163816},{"word":"a","start":468.905,"end":468.985,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18696999549865723},{"word":"look","start":468.985,"end":469.225,"confidence":0.99365234,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.2247440963983536},{"word":"there's","start":469.225,"end":469.465,"confidence":0.9995117,"punctuated_word":"There's","sentiment":"positive","sentiment_score":0.33773475885391235},{"word":"a","start":469.465,"end":469.625,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3348225951194763},{"word":"few","start":469.625,"end":469.785,"confidence":0.99902344,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.28753942251205444},{"word":"different","start":469.785,"end":470.105,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.32170894742012024},{"word":"options","start":470.105,"end":470.505,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.2678205072879791},{"word":"that","start":470.505,"end":470.665,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3395364582538605},{"word":"work","start":470.665,"end":470.905,"confidence":0.9604492,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.4434770345687866},{"word":"really","start":470.905,"end":471.225,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4545956552028656},{"word":"well","start":471.225,"end":471.725,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3392103314399719},{"word":"one","start":471.785,"end":472.025,"confidence":1.0,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.20671887695789337},{"word":"of","start":472.025,"end":472.105,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19540336728096008},{"word":"the","start":472.105,"end":472.26498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21678677201271057},{"word":"things","start":472.26498,"end":472.585,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2884643077850342},{"word":"that","start":472.585,"end":472.745,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20526261627674103},{"word":"i","start":472.745,"end":472.825,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1941855400800705},{"word":"have","start":472.825,"end":473.145,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21606186032295227},{"word":"sort","start":473.145,"end":473.385,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2146410197019577},{"word":"of","start":473.385,"end":473.465,"confidence":0.9526367,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21227064728736875},{"word":"been","start":473.465,"end":473.785,"confidence":0.90478516,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.20576775074005127},{"word":"finding","start":473.785,"end":474.26498,"confidence":0.9951172,"punctuated_word":"finding","sentiment":"neutral","sentiment_score":0.2594371736049652},{"word":"that","start":474.26498,"end":474.505,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24014827609062195},{"word":"a","start":474.505,"end":474.585,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2487536370754242},{"word":"lot","start":474.585,"end":474.825,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.2313033789396286},{"word":"of","start":474.825,"end":474.905,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2296297401189804},{"word":"my","start":474.905,"end":475.225,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.18785560131073},{"word":"older","start":475.225,"end":475.465,"confidence":0.9819336,"punctuated_word":"older","sentiment":"neutral","sentiment_score":0.185821071267128},{"word":"clients","start":475.465,"end":475.83,"confidence":0.9980469,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.2257863283157349},{"word":"are","start":475.90997,"end":476.06998,"confidence":0.99121094,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2106223106384277},{"word":"looking","start":476.06998,"end":476.31,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.17258688807487488},{"word":"to","start":476.31,"end":476.71,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1743578165769577},{"word":"do","start":476.71,"end":477.11,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22307536005973816},{"word":"is","start":477.11,"end":477.27,"confidence":0.86083984,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.18431630730628967},{"word":"a","start":477.27,"end":477.50998,"confidence":0.9140625,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.20105767250061035},{"word":"to","start":477.50998,"end":477.59,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18571774661540985},{"word":"save","start":477.59,"end":477.83,"confidence":1.0,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.17060920596122742},{"word":"a","start":477.83,"end":477.90997,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2281801402568817},{"word":"little","start":477.90997,"end":478.15,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.22575390338897705},{"word":"bit","start":478.15,"end":478.31,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.24608418345451355},{"word":"of","start":478.31,"end":478.38998,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27868741750717163},{"word":"money","start":478.38998,"end":478.62997,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.25095170736312866},{"word":"and","start":478.62997,"end":478.87,"confidence":0.53759766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2814972996711731},{"word":"fees","start":478.87,"end":479.11,"confidence":0.9741211,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.1990795135498047},{"word":"which","start":479.11,"end":479.27,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.20401832461357117},{"word":"is","start":479.27,"end":479.59,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1508459597826004},{"word":"important","start":479.59,"end":480.09,"confidence":0.91748047,"punctuated_word":"important,","sentiment":"neutral","sentiment_score":0.160321906208992},{"word":"but","start":480.47,"end":480.71,"confidence":0.53125,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.15552645921707153},{"word":"also","start":480.71,"end":481.03,"confidence":0.83251953,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12125304341316225},{"word":"have","start":481.03,"end":481.34998,"confidence":0.97998047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15317265689373016},{"word":"investments","start":481.34998,"end":481.83,"confidence":0.99609375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.08905069530010223},{"word":"that","start":481.83,"end":481.90997,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1257045418024063},{"word":"have","start":481.90997,"end":482.06998,"confidence":0.88134766,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12178096920251846},{"word":"been","start":482.06998,"end":482.31,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.13373059034347534},{"word":"working","start":482.31,"end":482.71,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.2573736906051636},{"word":"a","start":482.71,"end":482.78998,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14512531459331512},{"word":"little","start":482.78998,"end":482.94998,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.08670680224895477},{"word":"bit","start":482.94998,"end":483.11,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11605743318796158},{"word":"more","start":483.11,"end":483.61,"confidence":0.85961914,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.12210655212402344},{"word":"but","start":483.99,"end":484.15,"confidence":0.9873047,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07473921775817871},{"word":"also","start":484.15,"end":484.46997,"confidence":0.7734375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.04097918048501015},{"word":"with","start":484.46997,"end":484.71,"confidence":0.9003906,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03692937642335892},{"word":"what's","start":484.71,"end":484.94998,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.02330506406724453},{"word":"been","start":484.94998,"end":485.18997,"confidence":0.9892578,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.005287520587444305},{"word":"happening","start":485.18997,"end":485.59,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.050216808915138245},{"word":"in","start":485.59,"end":485.66998,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05207028239965439},{"word":"the","start":485.66998,"end":485.90997,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04515928030014038},{"word":"markets","start":485.90997,"end":486.38998,"confidence":0.51171875,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.04081796109676361},{"word":"globally","start":486.38998,"end":486.87,"confidence":0.9902344,"punctuated_word":"globally","sentiment":"neutral","sentiment_score":0.06207508593797684},{"word":"at","start":486.87,"end":486.94998,"confidence":0.98291016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05892075598239899},{"word":"the","start":486.94998,"end":487.11,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07453687489032745},{"word":"moment","start":487.11,"end":487.61,"confidence":0.93652344,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.09489350020885468},{"word":"maybe","start":487.66998,"end":488.06998,"confidence":0.9350586,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.11541105806827544},{"word":"creating","start":488.06998,"end":488.46997,"confidence":0.9970703,"punctuated_word":"creating","sentiment":"neutral","sentiment_score":0.1392238736152649},{"word":"greater","start":488.46997,"end":488.87,"confidence":0.9863281,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.10143498331308363},{"word":"diversification","start":488.87,"end":489.37,"confidence":0.99902344,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.22380466759204865},{"word":"and","start":489.75,"end":489.90997,"confidence":0.9472656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15734925866127014},{"word":"trying","start":489.90997,"end":490.22998,"confidence":0.9741211,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.17425355315208435},{"word":"to","start":490.22998,"end":490.38998,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22540803253650665},{"word":"lower","start":490.38998,"end":490.875,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.14967551827430725},{"word":"risk","start":491.275,"end":491.595,"confidence":0.8964844,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.06938036531209946},{"word":"a","start":491.595,"end":491.675,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12866684794425964},{"word":"little","start":491.675,"end":491.915,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.10858407616615295},{"word":"bit","start":491.915,"end":492.155,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0915057137608528},{"word":"more","start":492.155,"end":492.555,"confidence":0.9807129,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.09341688454151154},{"word":"is","start":492.555,"end":492.715,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0967433750629425},{"word":"that","start":492.715,"end":492.955,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10039138793945312},{"word":"something","start":492.955,"end":493.275,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.07497009634971619},{"word":"you're","start":493.275,"end":493.435,"confidence":0.98706055,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0593395009636879},{"word":"wanting","start":493.435,"end":493.675,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.039785370230674744},{"word":"me","start":493.675,"end":493.835,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0675966739654541},{"word":"to","start":493.835,"end":493.995,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06020188704133034},{"word":"sort","start":493.995,"end":494.235,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.055668555200099945},{"word":"of","start":494.235,"end":494.395,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.051759153604507446},{"word":"look","start":494.395,"end":494.555,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05068516731262207},{"word":"at","start":494.555,"end":494.795,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06134111061692238},{"word":"and","start":494.795,"end":494.955,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03876449167728424},{"word":"focus","start":494.955,"end":495.435,"confidence":0.9892578,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.06158585846424103},{"word":"on","start":495.435,"end":495.935,"confidence":1.0,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":0.07780091464519501},{"word":"yeah","start":497.835,"end":498.315,"confidence":0.7529297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1442093849182129},{"word":"yep","start":498.315,"end":498.795,"confidence":0.7775879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20584678649902344},{"word":"absolutely","start":498.795,"end":499.295,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.5453212261199951},{"word":"this","start":500.555,"end":500.875,"confidence":0.54345703,"punctuated_word":"This","sentiment":"positive","sentiment_score":0.7504695653915405},{"word":"level","start":500.875,"end":501.195,"confidence":0.9223633,"punctuated_word":"level","sentiment":"positive","sentiment_score":0.6774701476097107},{"word":"is","start":501.195,"end":501.595,"confidence":0.4880371,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7672114968299866},{"word":"beautiful","start":501.595,"end":502.095,"confidence":0.9995117,"punctuated_word":"beautiful.","sentiment":"positive","sentiment_score":0.7447259426116943},{"word":"i","start":502.555,"end":502.715,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.43656063079833984},{"word":"have","start":502.715,"end":502.955,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.34568852186203003},{"word":"a","start":502.955,"end":503.035,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2752283215522766},{"word":"couple","start":503.035,"end":503.355,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.2522958815097809},{"word":"of","start":503.355,"end":503.515,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.248651921749115},{"word":"options","start":503.515,"end":503.995,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.2038886696100235},{"word":"for","start":503.995,"end":504.495,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2481524795293808},{"word":"investments","start":505.035,"end":505.535,"confidence":0.90234375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.18363487720489505},{"word":"to","start":505.62,"end":505.94,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16406936943531036},{"word":"replace","start":505.94,"end":506.26,"confidence":0.9980469,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":0.1877820789813995},{"word":"bannalong","start":506.26,"end":506.76,"confidence":0.63235474,"punctuated_word":"Bannalong.","sentiment":"neutral","sentiment_score":0.04265292733907699},{"word":"i","start":507.54,"end":507.78,"confidence":0.88671875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.163808673620224},{"word":"just","start":507.78,"end":508.1,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.17188924551010132},{"word":"wanted","start":508.1,"end":508.5,"confidence":0.99609375,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.09990549087524414},{"word":"to","start":508.5,"end":508.58,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10546229034662248},{"word":"sort","start":508.58,"end":508.82,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.10044626146554948},{"word":"of","start":508.82,"end":508.9,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1184323877096176},{"word":"note","start":508.9,"end":509.13998,"confidence":0.984375,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.10360226035118104},{"word":"that","start":509.13998,"end":509.3,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.20214927196502688},{"word":"this","start":509.3,"end":509.46,"confidence":1.0,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.4038013219833374},{"word":"has","start":509.46,"end":509.62,"confidence":0.9970703,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.3898036479949951},{"word":"been","start":509.62,"end":509.78,"confidence":1.0,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.3919926583766937},{"word":"underperforming","start":509.78,"end":510.28,"confidence":0.99560547,"punctuated_word":"underperforming","sentiment":"negative","sentiment_score":-0.5019629597663879},{"word":"a","start":510.58,"end":510.66,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4436565041542053},{"word":"little","start":510.66,"end":510.9,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2770669758319855},{"word":"bit","start":510.9,"end":511.06,"confidence":0.84594727,"punctuated_word":"bit,","sentiment":"negative","sentiment_score":-0.37422123551368713},{"word":"so","start":511.06,"end":511.3,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2077571153640747},{"word":"we","start":511.3,"end":511.46,"confidence":0.9658203,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.25846338272094727},{"word":"it's","start":511.54,"end":511.69998,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.31981295347213745},{"word":"time","start":511.69998,"end":511.94,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.3256163001060486},{"word":"to","start":511.94,"end":512.1,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.279432088136673},{"word":"remove","start":512.1,"end":512.58,"confidence":1.0,"punctuated_word":"remove","sentiment":"negative","sentiment_score":-0.34009066224098206},{"word":"that","start":512.58,"end":512.82,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4095409512519837},{"word":"for","start":512.82,"end":512.98,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.25891539454460144},{"word":"you","start":512.98,"end":513.14,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.27203190326690674},{"word":"and","start":513.14,"end":513.3,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22921323776245117},{"word":"see","start":513.3,"end":513.46,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.2286356091499329},{"word":"if","start":513.46,"end":513.54,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.18885210156440735},{"word":"we","start":513.54,"end":513.62,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13217568397521973},{"word":"can","start":513.62,"end":513.86,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.14577564597129822},{"word":"update","start":513.86,"end":514.26,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":-0.1233651638031006},{"word":"both","start":514.26,"end":514.5,"confidence":0.9980469,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.10115917772054672},{"word":"of","start":514.5,"end":514.58,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13002929091453552},{"word":"your","start":514.58,"end":514.82,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1657957285642624},{"word":"portfolios","start":514.82,"end":515.32,"confidence":0.9050293,"punctuated_word":"portfolios.","sentiment":"neutral","sentiment_score":-0.14399674534797668},{"word":"you","start":516.26,"end":516.42,"confidence":0.97998047,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.1702105551958084},{"word":"both","start":516.42,"end":516.74,"confidence":0.99902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.17059724032878876},{"word":"do","start":516.74,"end":516.98,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.13001450896263125},{"word":"have","start":516.98,"end":517.22,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1082797795534134},{"word":"quite","start":517.22,"end":517.54,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.1474488228559494},{"word":"different","start":517.54,"end":518.02,"confidence":0.9980469,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.1476152241230011},{"word":"portfolios","start":518.02,"end":518.52,"confidence":0.9951172,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":-0.20228466391563416},{"word":"there","start":518.74,"end":519.24,"confidence":0.77441406,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.1286274492740631},{"word":"and","start":519.775,"end":519.855,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.09386244416236876},{"word":"i","start":519.855,"end":520.015,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10496563464403152},{"word":"just","start":520.015,"end":520.255,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.056190162897109985},{"word":"wanted","start":520.255,"end":520.575,"confidence":0.96972656,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.041651807725429535},{"word":"to","start":520.575,"end":520.655,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05315055698156357},{"word":"sort","start":520.655,"end":520.895,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.03610935062170029},{"word":"of","start":520.895,"end":520.975,"confidence":0.6308594,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.045987531542778015},{"word":"gauge","start":520.975,"end":521.295,"confidence":0.99902344,"punctuated_word":"gauge","sentiment":"neutral","sentiment_score":-0.059010207653045654},{"word":"where","start":521.295,"end":521.455,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.03240809589624405},{"word":"we're","start":521.455,"end":521.615,"confidence":0.92993164,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.0737224817276001},{"word":"at","start":521.615,"end":521.935,"confidence":0.94750977,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":-0.05257485434412956},{"word":"now","start":521.935,"end":522.095,"confidence":0.8100586,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.07223977148532867},{"word":"we","start":522.095,"end":522.255,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06080565229058266},{"word":"did","start":522.255,"end":522.415,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.07761619985103607},{"word":"a","start":522.415,"end":522.575,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08177030086517334},{"word":"risk","start":522.575,"end":522.895,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.0779496356844902},{"word":"profile","start":522.895,"end":523.395,"confidence":0.99902344,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":-0.1110893189907074},{"word":"when","start":524.015,"end":524.255,"confidence":0.9667969,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.03236322104930878},{"word":"we","start":524.255,"end":524.755,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.021321572363376617},{"word":"spoke","start":525.135,"end":525.535,"confidence":0.9667969,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":-0.006672542542219162},{"word":"in","start":525.535,"end":525.775,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.007185285910964012},{"word":"august","start":525.775,"end":526.255,"confidence":1.0,"punctuated_word":"August","sentiment":"neutral","sentiment_score":-0.019419601187109947},{"word":"last","start":526.255,"end":526.575,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.02475729025900364},{"word":"year","start":526.575,"end":527.075,"confidence":0.9128418,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.027890849858522415},{"word":"and","start":527.855,"end":528.095,"confidence":0.98828125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.029764443635940552},{"word":"having","start":528.095,"end":528.415,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.02627690881490707},{"word":"a","start":528.415,"end":528.495,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.012962676584720612},{"word":"look","start":528.495,"end":528.735,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.01981864869594574},{"word":"at","start":528.735,"end":528.815,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0185239277780056},{"word":"things","start":528.815,"end":529.135,"confidence":0.96313477,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.025862613692879677},{"word":"the","start":529.135,"end":529.295,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.032348066568374634},{"word":"current","start":529.295,"end":529.695,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.07253070175647736},{"word":"risk","start":529.695,"end":530.015,"confidence":0.9941406,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.047164447605609894},{"word":"profiles","start":530.015,"end":530.515,"confidence":0.8991699,"punctuated_word":"profiles,","sentiment":"neutral","sentiment_score":-0.07725393772125244},{"word":"frankly","start":530.575,"end":530.975,"confidence":0.77441406,"punctuated_word":"frankly,","sentiment":"neutral","sentiment_score":-0.07973461598157883},{"word":"you're","start":530.975,"end":531.215,"confidence":0.8017578,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.09801464527845384},{"word":"more","start":531.215,"end":531.715,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.07317034900188446},{"word":"in","start":531.855,"end":532.015,"confidence":0.7363281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.12389373779296876},{"word":"an","start":532.015,"end":532.255,"confidence":0.56689453,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.08167435973882675},{"word":"older","start":532.255,"end":532.735,"confidence":0.87841797,"punctuated_word":"older","sentiment":"neutral","sentiment_score":-0.13594718277454376},{"word":"defensive","start":532.735,"end":533.235,"confidence":0.7636719,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.07668599486351013},{"word":"portfolio","start":533.535,"end":534.035,"confidence":0.8581543,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.08581161499023438},{"word":"so","start":534.335,"end":534.78,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.004633605480194092},{"word":"that's","start":534.86005,"end":535.18005,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.004771925508975983},{"word":"essentially","start":535.18005,"end":535.66003,"confidence":0.9902344,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.011337210424244404},{"word":"meant","start":535.66003,"end":535.9,"confidence":0.99902344,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":0.06729842722415924},{"word":"to","start":535.9,"end":535.98004,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1088244616985321},{"word":"be","start":535.98004,"end":536.14,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10894648730754852},{"word":"a","start":536.14,"end":536.22003,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13239800930023193},{"word":"little","start":536.22003,"end":536.46,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.09035615622997284},{"word":"bit","start":536.46,"end":536.7,"confidence":0.9863281,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0944049507379532},{"word":"more","start":536.7,"end":537.02,"confidence":0.9863281,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06839662790298462},{"word":"lower","start":537.02,"end":537.5,"confidence":0.88720703,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.10261431336402892},{"word":"risk","start":537.5,"end":537.98004,"confidence":0.9946289,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":0.08489780128002167},{"word":"more","start":537.98004,"end":538.30005,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.15654844045639038},{"word":"income","start":538.30005,"end":538.7,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.14253348112106323},{"word":"producing","start":538.7,"end":539.2,"confidence":0.9980469,"punctuated_word":"producing.","sentiment":"neutral","sentiment_score":0.1421707421541214},{"word":"we","start":539.26,"end":539.5,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.15001735091209412},{"word":"do","start":539.5,"end":539.66003,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16875647008419037},{"word":"expect","start":539.66003,"end":540.06006,"confidence":1.0,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.22379998862743375},{"word":"lower","start":540.06006,"end":540.46,"confidence":0.97998047,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.26582032442092896},{"word":"returns","start":540.46,"end":540.86005,"confidence":0.9951172,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.3316769003868103},{"word":"from","start":540.86005,"end":540.94,"confidence":0.6303711,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.31200751662254333},{"word":"these","start":540.94,"end":541.18005,"confidence":0.98291016,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.22454023361206055},{"word":"portfolios","start":541.18005,"end":541.68005,"confidence":0.6882324,"punctuated_word":"portfolios,","sentiment":"neutral","sentiment_score":0.1815950870513916},{"word":"but","start":542.22003,"end":542.7,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2000597268342972},{"word":"it's","start":542.7,"end":542.94,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.25022733211517334},{"word":"more","start":542.94,"end":543.10004,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2476968914270401},{"word":"about","start":543.10004,"end":543.60004,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.27137166261672974},{"word":"giving","start":543.74005,"end":544.06006,"confidence":0.9770508,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.3635118007659912},{"word":"your","start":544.06006,"end":544.22003,"confidence":0.6948242,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.40868866443634033},{"word":"super","start":544.22003,"end":544.46,"confidence":0.9707031,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4920622110366822},{"word":"longevity","start":544.46,"end":544.96,"confidence":0.8664551,"punctuated_word":"longevity,","sentiment":"positive","sentiment_score":0.4151009917259216},{"word":"holding","start":545.34,"end":545.66003,"confidence":1.0,"punctuated_word":"holding","sentiment":"positive","sentiment_score":0.4391416311264038},{"word":"on","start":545.66003,"end":545.9,"confidence":0.84765625,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3691798150539398},{"word":"to","start":545.9,"end":545.98004,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3744739592075348},{"word":"your","start":545.98004,"end":546.22003,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2568967938423157},{"word":"capital","start":546.22003,"end":546.62006,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.27484720945358276},{"word":"as","start":546.62006,"end":546.78,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2977968454360962},{"word":"long","start":546.78,"end":547.02,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2359970659017563},{"word":"as","start":547.02,"end":547.26,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18084481358528137},{"word":"possible","start":547.26,"end":547.76,"confidence":1.0,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.16219592094421387},{"word":"do","start":549.135,"end":549.29504,"confidence":0.99121094,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.10777522623538972},{"word":"you","start":549.29504,"end":549.455,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12084066867828368},{"word":"when","start":549.775,"end":549.935,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.13498203456401825},{"word":"we","start":549.935,"end":550.09503,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17832136154174805},{"word":"kinda","start":550.09503,"end":550.41504,"confidence":0.8691406,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.18979662656784055},{"word":"did","start":550.41504,"end":550.575,"confidence":0.76953125,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.14641153812408447},{"word":"that","start":550.575,"end":550.73505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12399429827928544},{"word":"risk","start":550.73505,"end":550.97504,"confidence":0.9892578,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.0790242999792099},{"word":"profile","start":550.97504,"end":551.455,"confidence":0.99902344,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.10721030831336976},{"word":"for","start":551.455,"end":551.695,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13217614591121674},{"word":"you","start":551.695,"end":551.85504,"confidence":0.9453125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15220627188682556},{"word":"both","start":551.85504,"end":552.09503,"confidence":0.98217773,"punctuated_word":"both,","sentiment":"neutral","sentiment_score":0.16696050763130188},{"word":"you","start":552.09503,"end":552.335,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17703495919704437},{"word":"both","start":552.335,"end":552.575,"confidence":0.99902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.21236632764339447},{"word":"came","start":552.575,"end":552.895,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.19933298230171204},{"word":"out","start":552.895,"end":553.055,"confidence":0.9921875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.22045502066612244},{"word":"as","start":553.055,"end":553.215,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17677882313728333},{"word":"more","start":553.215,"end":553.375,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.17305637896060944},{"word":"of","start":553.375,"end":553.455,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19260236620903015},{"word":"a","start":553.455,"end":553.615,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18072324991226196},{"word":"balanced","start":553.615,"end":554.115,"confidence":0.97998047,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.20146438479423523},{"word":"investor","start":554.17505,"end":554.67505,"confidence":0.9074707,"punctuated_word":"investor.","sentiment":"neutral","sentiment_score":0.1566445231437683},{"word":"so","start":554.895,"end":555.375,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1353062093257904},{"word":"that","start":555.375,"end":555.695,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18648451566696167},{"word":"essentially","start":555.695,"end":556.195,"confidence":0.9863281,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.16401803493499756},{"word":"sees","start":556.255,"end":556.575,"confidence":0.8964844,"punctuated_word":"sees","sentiment":"neutral","sentiment_score":0.1876179575920105},{"word":"about","start":556.575,"end":557.055,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17911586165428162},{"word":"60%","start":557.055,"end":557.775,"confidence":0.99853516,"punctuated_word":"60%","sentiment":"neutral","sentiment_score":0.2223736047744751},{"word":"of","start":557.775,"end":557.935,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22168035805225372},{"word":"your","start":557.935,"end":558.255,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20199236273765564},{"word":"super","start":558.255,"end":558.73505,"confidence":0.98291016,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.3066335916519165},{"word":"invested","start":558.73505,"end":559.215,"confidence":0.9980469,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.14739355444908142},{"word":"in","start":559.215,"end":559.455,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23194192349910736},{"word":"areas","start":559.455,"end":559.85504,"confidence":1.0,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.23385244607925415},{"word":"of","start":559.85504,"end":560.17505,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18391214311122897},{"word":"growth","start":560.17505,"end":560.575,"confidence":0.7988281,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.19255247712135315},{"word":"like","start":560.575,"end":560.97504,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.14832137525081637},{"word":"international","start":560.97504,"end":561.47504,"confidence":0.98291016,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.18393990397453308},{"word":"shares","start":561.775,"end":562.275,"confidence":0.99853516,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.1456286460161209},{"word":"australian","start":563.135,"end":563.635,"confidence":0.9892578,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.16341638565063477},{"word":"shares","start":563.775,"end":564.275,"confidence":0.99853516,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.1767079532146454},{"word":"gold","start":565.04,"end":565.27997,"confidence":0.9448242,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.1884010434150696},{"word":"and","start":565.27997,"end":565.51996,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1318238377571106},{"word":"silver","start":565.51996,"end":566.01996,"confidence":0.9680176,"punctuated_word":"silver,","sentiment":"neutral","sentiment_score":0.15928055346012115},{"word":"and","start":566.48,"end":566.72,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1313984990119934},{"word":"also","start":566.72,"end":567.22,"confidence":0.9523926,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":0.12579920887947085},{"word":"you","start":567.6,"end":567.76,"confidence":0.96777344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10324744880199432},{"word":"know","start":567.76,"end":568.07996,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1192062497138977},{"word":"property","start":568.07996,"end":568.57996,"confidence":0.75097656,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.12824822962284088},{"word":"and","start":568.8,"end":568.95996,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10341179370880128},{"word":"then","start":568.95996,"end":569.45996,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10748959332704544},{"word":"the","start":569.51996,"end":569.68,"confidence":0.94189453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09696424752473833},{"word":"other","start":569.68,"end":570.0,"confidence":0.84472656,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.06491293013095856},{"word":"sort","start":570.0,"end":570.16,"confidence":0.98291016,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06963513046503067},{"word":"of","start":570.16,"end":570.32,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07519526034593582},{"word":"40%","start":570.32,"end":571.04,"confidence":1.0,"punctuated_word":"40%","sentiment":"neutral","sentiment_score":0.1120464950799942},{"word":"in","start":571.04,"end":571.51996,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1033211424946785},{"word":"lower","start":571.51996,"end":571.83997,"confidence":0.99609375,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.09227477759122849},{"word":"risk","start":571.83997,"end":572.24,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.012877151370048525},{"word":"defensive","start":572.24,"end":572.72,"confidence":0.79003906,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.0012604594230651855},{"word":"investments","start":572.72,"end":573.19995,"confidence":0.9902344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.05092218890786171},{"word":"like","start":573.19995,"end":573.51996,"confidence":0.77685547,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.11596260219812392},{"word":"cash","start":573.51996,"end":573.92,"confidence":0.95410156,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.09455998241901398},{"word":"bonds","start":573.92,"end":574.32,"confidence":0.9206543,"punctuated_word":"bonds,","sentiment":"neutral","sentiment_score":0.0768546313047409},{"word":"and","start":574.32,"end":574.48,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10374809801578522},{"word":"fixed","start":574.48,"end":574.8,"confidence":1.0,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.08572216331958771},{"word":"interest","start":574.8,"end":575.3,"confidence":0.8527832,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.06004402041435242},{"word":"this","start":576.32,"end":576.48,"confidence":0.91015625,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.02818983793258667},{"word":"investment","start":576.48,"end":576.98,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.022447295486927032},{"word":"normally","start":577.12,"end":577.62,"confidence":0.9951172,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.05095811188220978},{"word":"suits","start":577.68,"end":577.92,"confidence":0.83935547,"punctuated_word":"suits","sentiment":"neutral","sentiment_score":0.04621981084346771},{"word":"someone","start":577.92,"end":578.32,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.0286572203040123},{"word":"who","start":578.32,"end":578.48,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.03633178770542145},{"word":"has","start":578.48,"end":578.72,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.007036551833152771},{"word":"about","start":578.72,"end":578.955,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01638288050889969},{"word":"three","start":579.03503,"end":579.35504,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.016658946871757507},{"word":"years","start":579.35504,"end":579.59503,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.019184917211532593},{"word":"before","start":579.59503,"end":579.91504,"confidence":0.9980469,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.014848895370960236},{"word":"wanting","start":579.91504,"end":580.23505,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.011711135506629944},{"word":"to","start":580.23505,"end":580.47504,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.011040076613426208},{"word":"access","start":580.47504,"end":580.79504,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.00712142139673233},{"word":"their","start":580.79504,"end":581.03503,"confidence":0.51660156,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.01647520810365677},{"word":"super","start":581.03503,"end":581.35504,"confidence":0.94970703,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1009901836514473},{"word":"whilst","start":581.35504,"end":581.675,"confidence":0.71484375,"punctuated_word":"whilst,","sentiment":"neutral","sentiment_score":-0.009890897199511528},{"word":"frank","start":581.675,"end":581.91504,"confidence":0.97387695,"punctuated_word":"Frank,","sentiment":"neutral","sentiment_score":-0.09561508893966676},{"word":"i","start":581.91504,"end":581.995,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11941684782505035},{"word":"know","start":581.995,"end":582.23505,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.13563111424446106},{"word":"you're","start":582.23505,"end":582.47504,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1170145496726036},{"word":"already","start":582.47504,"end":582.875,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.14104898273944855},{"word":"retired","start":582.875,"end":583.375,"confidence":0.99902344,"punctuated_word":"retired.","sentiment":"neutral","sentiment_score":-0.13719487190246582},{"word":"robin","start":584.395,"end":584.79504,"confidence":0.8791504,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":-0.10185631364583968},{"word":"do","start":584.79504,"end":585.03503,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1904398649930954},{"word":"you","start":585.03503,"end":585.195,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2284941673278809},{"word":"feel","start":585.195,"end":585.515,"confidence":0.9902344,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.2431947886943817},{"word":"like","start":585.515,"end":585.835,"confidence":0.9658203,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.22897444665431976},{"word":"you're","start":585.835,"end":586.075,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.22413691878318787},{"word":"wanting","start":586.075,"end":586.47504,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.297273188829422},{"word":"to","start":586.47504,"end":586.635,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2724909484386444},{"word":"sort","start":586.635,"end":586.875,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.3267253637313843},{"word":"of","start":586.875,"end":587.115,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3038161098957062},{"word":"stop","start":587.115,"end":587.435,"confidence":0.9902344,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.2218337059020996},{"word":"working","start":587.435,"end":587.835,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.26923951506614685},{"word":"in","start":587.835,"end":587.995,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.345674067735672},{"word":"the","start":587.995,"end":588.075,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.29919224977493286},{"word":"next","start":588.075,"end":588.395,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.27772796154022217},{"word":"couple","start":588.395,"end":588.635,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.2703742980957031},{"word":"of","start":588.635,"end":588.79504,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2717726230621338},{"word":"years","start":588.79504,"end":589.115,"confidence":0.82421875,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.21632009744644165},{"word":"or","start":589.115,"end":589.275,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.20068670809268951},{"word":"what's","start":589.275,"end":589.59503,"confidence":0.9970703,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.15421846508979797},{"word":"your","start":589.59503,"end":589.91504,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.10757941007614136},{"word":"aim","start":589.91504,"end":590.23505,"confidence":1.0,"punctuated_word":"aim","sentiment":"neutral","sentiment_score":-0.11024817824363708},{"word":"for","start":590.23505,"end":590.555,"confidence":0.9501953,"punctuated_word":"for?","sentiment":"neutral","sentiment_score":-0.1257799118757248},{"word":"how","start":590.555,"end":590.955,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.13313472270965576},{"word":"how","start":590.955,"end":591.195,"confidence":0.9951172,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.1861562132835388},{"word":"much","start":591.195,"end":591.435,"confidence":0.9980469,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.2174634486436844},{"word":"longer","start":591.435,"end":591.755,"confidence":0.99316406,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.21759262681007385},{"word":"you","start":591.755,"end":591.91504,"confidence":0.8076172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.21075984835624695},{"word":"wanna","start":591.91504,"end":592.23505,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.19136568903923035},{"word":"work","start":592.23505,"end":592.73505,"confidence":0.9980469,"punctuated_word":"work?","sentiment":"neutral","sentiment_score":-0.1606948971748352},{"word":"okay","start":602.07,"end":602.57,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.08958720415830612},{"word":"no","start":602.79,"end":603.02997,"confidence":0.99658203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15781424939632416},{"word":"that's","start":603.02997,"end":603.26996,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.10155203938484192},{"word":"alright","start":603.26996,"end":603.67,"confidence":0.99658203,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.04697664827108383},{"word":"so","start":603.67,"end":603.82996,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.019023627042770382},{"word":"you're","start":603.82996,"end":603.99,"confidence":0.99365234,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07670190185308456},{"word":"happy","start":603.99,"end":604.23,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.07370443642139435},{"word":"to","start":604.23,"end":604.38995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028699979186058044},{"word":"continue","start":604.38995,"end":604.87,"confidence":1.0,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.041908010840415955},{"word":"that","start":604.87,"end":605.02997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.011050820350646973},{"word":"for","start":605.02997,"end":605.19,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0015989914536476135},{"word":"a","start":605.19,"end":605.26996,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005334898829460144},{"word":"bit","start":605.26996,"end":605.43,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.02362680435180664},{"word":"longer","start":605.43,"end":605.93,"confidence":0.90600586,"punctuated_word":"longer.","sentiment":"neutral","sentiment_score":-0.005498349666595459},{"word":"yeah","start":609.335,"end":609.735,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01802531816065311},{"word":"yeah","start":609.735,"end":609.97504,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02025453746318817},{"word":"because","start":609.97504,"end":610.215,"confidence":0.984375,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.0015308819711208344},{"word":"you've","start":610.215,"end":610.375,"confidence":0.89697266,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.015836598351597786},{"word":"only","start":610.375,"end":610.615,"confidence":0.9838867,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.009576696902513504},{"word":"just","start":610.615,"end":610.775,"confidence":0.7495117,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.005172424018383026},{"word":"turned","start":610.775,"end":611.275,"confidence":0.9243164,"punctuated_word":"turned","sentiment":"neutral","sentiment_score":0.0286150760948658},{"word":"65","start":611.335,"end":612.075,"confidence":0.9951172,"punctuated_word":"65.","sentiment":"neutral","sentiment_score":0.01033453643321991},{"word":"yeah","start":617.09503,"end":617.59503,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04080386459827423},{"word":"no","start":619.61,"end":619.93,"confidence":0.9614258,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.08794455975294113},{"word":"excellent","start":619.93,"end":620.41,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.312458872795105},{"word":"so","start":620.41,"end":620.73,"confidence":0.9526367,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1667654514312744},{"word":"looking","start":620.73,"end":620.97,"confidence":0.97509766,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.14372524619102478},{"word":"at","start":620.97,"end":621.13,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1755174994468689},{"word":"when","start":621.13,"end":621.37,"confidence":0.9941406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1832225471735001},{"word":"you're","start":621.37,"end":621.61,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17331098020076752},{"word":"able","start":621.61,"end":621.85,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.12273019552230836},{"word":"to","start":621.85,"end":622.01,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14212487637996674},{"word":"access","start":622.01,"end":622.41,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.1173725202679634},{"word":"age","start":622.41,"end":622.73,"confidence":0.7734375,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.1032061129808426},{"word":"pension","start":622.73,"end":623.13,"confidence":0.9970703,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.1527562141418457},{"word":"and","start":623.13,"end":623.29,"confidence":0.9580078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1172134280204773},{"word":"then","start":623.29,"end":623.52997,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14856308698654175},{"word":"kind","start":623.52997,"end":623.85,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05183658748865128},{"word":"of","start":623.85,"end":624.01,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.018259644508361816},{"word":"give","start":624.01,"end":624.17,"confidence":0.9980469,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.04936797171831131},{"word":"up","start":624.17,"end":624.41,"confidence":0.9614258,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.02570211887359619},{"word":"work","start":624.41,"end":624.81,"confidence":0.9819336,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.09332501143217088},{"word":"completely","start":624.81,"end":625.31,"confidence":1.0,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.18898016214370728},{"word":"and","start":625.37,"end":625.52997,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06355252116918564},{"word":"retire","start":625.52997,"end":626.02997,"confidence":0.8967285,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":0.19777701795101169},{"word":"not","start":626.17,"end":626.41,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.30528873205184937},{"word":"a","start":626.41,"end":626.49,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22892965376377103},{"word":"problem","start":626.49,"end":626.89,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.18465472757816315},{"word":"at","start":626.89,"end":627.05,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2446278929710388},{"word":"all","start":627.05,"end":627.55,"confidence":0.9975586,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.2222718894481659},{"word":"and","start":628.17,"end":628.49,"confidence":0.73046875,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.1465408205986023},{"word":"frank","start":628.49,"end":628.81,"confidence":0.99853516,"punctuated_word":"Frank,","sentiment":"neutral","sentiment_score":0.13421481847763062},{"word":"you're","start":628.81,"end":629.13,"confidence":0.9951172,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1657821536064148},{"word":"getting","start":629.13,"end":629.45,"confidence":0.9892578,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.17438484728336334},{"word":"the","start":629.45,"end":629.61,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12590476870536804},{"word":"age","start":629.61,"end":629.76996,"confidence":0.98291016,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.11144740134477615},{"word":"pension","start":629.76996,"end":630.25,"confidence":0.9970703,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.142406165599823},{"word":"at","start":630.25,"end":630.41,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14499890804290771},{"word":"the","start":630.41,"end":630.57,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16763153672218323},{"word":"moment","start":630.57,"end":631.07,"confidence":0.9707031,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.1745007187128067},{"word":"you're","start":631.935,"end":632.175,"confidence":0.99853516,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.16016310453414917},{"word":"still","start":632.175,"end":632.495,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.15276235342025757},{"word":"reporting","start":632.495,"end":632.995,"confidence":1.0,"punctuated_word":"reporting","sentiment":"neutral","sentiment_score":0.14862361550331116},{"word":"every","start":633.135,"end":633.375,"confidence":0.9970703,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.14875048398971558},{"word":"fortnight","start":633.375,"end":633.875,"confidence":0.9707031,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.09996397793293},{"word":"based","start":633.935,"end":634.175,"confidence":0.99902344,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.157245472073555},{"word":"on","start":634.175,"end":634.41504,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18192455172538757},{"word":"robin's","start":634.41504,"end":634.815,"confidence":0.97021484,"punctuated_word":"Robin's","sentiment":"neutral","sentiment_score":0.1565721035003662},{"word":"income","start":634.815,"end":635.29504,"confidence":0.9941406,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.14694923162460327},{"word":"is","start":635.29504,"end":635.455,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.13616293668746948},{"word":"that","start":635.455,"end":635.615,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14356738328933716},{"word":"right","start":635.615,"end":636.115,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.10319089889526369},{"word":"yeah","start":643.615,"end":644.115,"confidence":0.98217773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1784157752990723},{"word":"yeah","start":644.175,"end":644.675,"confidence":0.8640137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.24864394962787628},{"word":"that's","start":645.26996,"end":645.58997,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.35834604501724243},{"word":"okay","start":645.58997,"end":646.08997,"confidence":0.9970703,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.3992941975593567},{"word":"you're","start":646.31,"end":646.63,"confidence":0.99853516,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.08423668146133423},{"word":"not","start":646.63,"end":646.79,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0924595147371292},{"word":"wanting","start":646.79,"end":647.11,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.24258527159690857},{"word":"to","start":647.11,"end":647.26996,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1552322804927826},{"word":"sort","start":647.26996,"end":647.58997,"confidence":0.97998047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.15646129846572876},{"word":"of","start":647.58997,"end":647.82996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.22023016214370728},{"word":"drop","start":647.82996,"end":648.23,"confidence":0.99609375,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.3188110291957855},{"word":"hours","start":648.23,"end":648.70996,"confidence":0.9448242,"punctuated_word":"hours","sentiment":"negative","sentiment_score":-0.34339064359664917},{"word":"to","start":648.70996,"end":649.02997,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.28599247336387634},{"word":"maximize","start":649.02997,"end":649.52997,"confidence":0.9980469,"punctuated_word":"maximize","sentiment":"neutral","sentiment_score":0.0063384175300598145},{"word":"the","start":649.58997,"end":649.67,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04744136333465576},{"word":"age","start":649.67,"end":649.82996,"confidence":0.6801758,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.00501038134098053},{"word":"pension","start":649.82996,"end":650.23,"confidence":0.74121094,"punctuated_word":"pension.","sentiment":"neutral","sentiment_score":-0.03427886962890625},{"word":"you're","start":650.23,"end":650.38995,"confidence":0.9016113,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.05915724858641625},{"word":"sort","start":650.38995,"end":650.51,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03287947177886963},{"word":"of","start":650.51,"end":650.63,"confidence":0.7529297,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1070660948753357},{"word":"happy","start":650.63,"end":650.94995,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.10056021809577942},{"word":"with","start":650.94995,"end":651.11,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2809563875198364},{"word":"the","start":651.11,"end":651.19,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32412129640579224},{"word":"way","start":651.19,"end":651.43,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.31268107891082764},{"word":"it's","start":651.43,"end":651.58997,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3258955776691437},{"word":"working","start":651.58997,"end":651.91,"confidence":1.0,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.44174376130104065},{"word":"at","start":651.91,"end":652.07,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09787048399448396},{"word":"the","start":652.07,"end":652.14996,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15333668887615204},{"word":"moment","start":652.14996,"end":652.64996,"confidence":0.91064453,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.07935687899589539},{"word":"okay","start":666.565,"end":667.065,"confidence":0.8215332,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2376699149608612},{"word":"yep","start":667.365,"end":667.765,"confidence":0.8273926,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25528329610824585},{"word":"that's","start":667.765,"end":668.085,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.38937878608703613},{"word":"okay","start":668.085,"end":668.585,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.3393864035606384},{"word":"and","start":670.0,"end":670.24,"confidence":0.9589844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11340975016355516},{"word":"frank","start":670.24,"end":670.56,"confidence":0.7988281,"punctuated_word":"Frank,","sentiment":"neutral","sentiment_score":0.058682043105363846},{"word":"do","start":670.56,"end":670.8,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.015122752636671066},{"word":"you","start":670.8,"end":670.96,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05042649805545807},{"word":"wanna","start":670.96,"end":671.28,"confidence":0.984375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.06074569374322891},{"word":"start","start":671.28,"end":671.6,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.033749159425497055},{"word":"do","start":671.68,"end":671.84,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0030922293663024902},{"word":"you","start":671.84,"end":672.0,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008871234953403473},{"word":"need","start":672.0,"end":672.24,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.005793780088424683},{"word":"to","start":672.24,"end":672.32,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01199054718017578},{"word":"start","start":672.32,"end":672.72003,"confidence":0.9970703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.04725294187664986},{"word":"maybe","start":672.72003,"end":673.04,"confidence":0.95947266,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.05324495956301689},{"word":"accessing","start":673.04,"end":673.52,"confidence":0.99902344,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.08539669960737228},{"word":"a","start":673.52,"end":673.68,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06714547425508499},{"word":"little","start":673.68,"end":673.92,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07913587987422943},{"word":"bit","start":673.92,"end":674.0,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08933163434267044},{"word":"of","start":674.0,"end":674.16003,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1121443137526512},{"word":"money","start":674.16003,"end":674.48,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.1138496845960617},{"word":"out","start":674.48,"end":674.72003,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.10158079117536543},{"word":"of","start":674.72003,"end":674.8,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10073237121105194},{"word":"your","start":674.8,"end":675.04,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06949932128190994},{"word":"super","start":675.04,"end":675.36,"confidence":0.8791504,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.11606726795434952},{"word":"or","start":675.36,"end":675.52,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0013966411352157593},{"word":"are","start":675.52,"end":675.68,"confidence":0.87158203,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.015202883630990982},{"word":"you","start":675.68,"end":675.84,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0003172457218170166},{"word":"wanting","start":675.84,"end":676.16003,"confidence":0.99902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.03271114081144333},{"word":"to","start":676.16003,"end":676.32,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03745054826140404},{"word":"hold","start":676.32,"end":676.64,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.05191679671406746},{"word":"off","start":676.64,"end":676.8,"confidence":0.99609375,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.04060874879360199},{"word":"on","start":676.8,"end":676.96,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.029600370675325394},{"word":"that","start":676.96,"end":677.12,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015801042318344116},{"word":"for","start":677.12,"end":677.36,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.057309601455926895},{"word":"a","start":677.36,"end":677.44,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.014278605580329897},{"word":"bit","start":677.44,"end":677.6,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03011298179626465},{"word":"longer","start":677.6,"end":678.1,"confidence":0.99853516,"punctuated_word":"longer?","sentiment":"neutral","sentiment_score":0.009034363552927973},{"word":"yep","start":682.655,"end":683.155,"confidence":0.82666016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.016293980181217194},{"word":"yeah","start":684.815,"end":685.315,"confidence":0.76000977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0748499184846878},{"word":"yeah","start":687.135,"end":687.455,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18019258975982663},{"word":"that's","start":687.455,"end":687.775,"confidence":0.99194336,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2264704704284668},{"word":"okay","start":687.775,"end":688.17505,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.241152822971344},{"word":"not","start":688.17505,"end":688.41504,"confidence":1.0,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.32538068294525146},{"word":"a","start":688.41504,"end":688.495,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2715209126472473},{"word":"problem","start":688.495,"end":688.815,"confidence":0.9675293,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.30671554803848267},{"word":"i","start":688.815,"end":688.895,"confidence":0.8120117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24383507668972015},{"word":"just","start":688.895,"end":689.215,"confidence":0.54003906,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26194366812705994},{"word":"access","start":689.215,"end":689.615,"confidence":0.9951172,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.18384602665901184},{"word":"whenever","start":689.615,"end":690.015,"confidence":0.99121094,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.26136451959609985},{"word":"you","start":690.015,"end":690.17505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27166521549224854},{"word":"do","start":690.17505,"end":690.41504,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23553475737571716},{"word":"need","start":690.41504,"end":690.73505,"confidence":0.9975586,"punctuated_word":"need.","sentiment":"neutral","sentiment_score":0.20447033643722537},{"word":"do","start":690.73505,"end":690.895,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0941936820745468},{"word":"you","start":690.895,"end":691.055,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10013587027788162},{"word":"think","start":691.055,"end":691.29504,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.09051381051540376},{"word":"you","start":691.29504,"end":691.455,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11541319638490675},{"word":"might","start":691.455,"end":691.695,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.0755915641784668},{"word":"need","start":691.695,"end":691.935,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.07333233952522278},{"word":"a","start":691.935,"end":692.09503,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0821034163236618},{"word":"little","start":692.09503,"end":692.59503,"confidence":0.82006836,"punctuated_word":"little,","sentiment":"neutral","sentiment_score":0.10116121917963028},{"word":"a","start":692.895,"end":693.055,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11264045536518096},{"word":"withdrawal","start":693.055,"end":693.53503,"confidence":0.9604492,"punctuated_word":"withdrawal","sentiment":"neutral","sentiment_score":0.10663099586963654},{"word":"in","start":693.53503,"end":693.775,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06566732376813889},{"word":"the","start":693.775,"end":693.85504,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14339390397071838},{"word":"next","start":693.85504,"end":694.2,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.09288370609283449},{"word":"couple","start":694.2,"end":694.44,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.05062617361545563},{"word":"of","start":694.44,"end":694.68,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08985568583011627},{"word":"months","start":694.68,"end":694.92,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.0952991619706154},{"word":"at","start":694.92,"end":695.08,"confidence":0.9604492,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08826278895139694},{"word":"all","start":695.08,"end":695.24,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.13925489783287048},{"word":"that","start":695.24,"end":695.4,"confidence":0.97265625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.089716337621212},{"word":"i","start":695.4,"end":695.56,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1291048228740692},{"word":"might","start":695.56,"end":695.72003,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.11720310151576996},{"word":"be","start":695.72003,"end":695.88,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12242106348276138},{"word":"able","start":695.88,"end":696.04004,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1361379474401474},{"word":"to","start":696.04004,"end":696.2,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13167186081409454},{"word":"factor","start":696.2,"end":696.52,"confidence":0.9980469,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.14393846690654755},{"word":"into","start":696.52,"end":696.76,"confidence":0.9140625,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1230527013540268},{"word":"the","start":696.76,"end":697.0,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15331631898880005},{"word":"advice","start":697.0,"end":697.48004,"confidence":0.99609375,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.12495085597038268},{"word":"for","start":697.48004,"end":697.72003,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10527767241001128},{"word":"you","start":697.72003,"end":698.22003,"confidence":0.99902344,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.0628160685300827},{"word":"no","start":703.32,"end":703.82,"confidence":0.9211426,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14861667156219482},{"word":"it","start":713.97504,"end":714.215,"confidence":0.98828125,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.20482513308525083},{"word":"does","start":714.215,"end":714.715,"confidence":0.9885254,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.20924153923988345},{"word":"it","start":714.775,"end":715.09503,"confidence":0.9970703,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1818912923336029},{"word":"does","start":715.09503,"end":715.49506,"confidence":1.0,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.1156538426876068},{"word":"i","start":715.49506,"end":715.655,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03942805156111717},{"word":"don't","start":715.655,"end":715.895,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0401136688888073},{"word":"know","start":715.895,"end":716.135,"confidence":0.78686523,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.037858739495277405},{"word":"frank","start":716.135,"end":716.375,"confidence":0.97436523,"punctuated_word":"Frank.","sentiment":"neutral","sentiment_score":-0.04407442733645439},{"word":"do","start":716.375,"end":716.53503,"confidence":0.98095703,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.04941321909427643},{"word":"you","start":716.53503,"end":716.61505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03376318886876106},{"word":"wanna","start":716.61505,"end":716.935,"confidence":0.9892578,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.039023011922836304},{"word":"go","start":716.935,"end":717.015,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.04585723206400871},{"word":"on","start":717.015,"end":717.17505,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0489407442510128},{"word":"holidays","start":717.17505,"end":717.67505,"confidence":0.92333984,"punctuated_word":"holidays?","sentiment":"neutral","sentiment_score":-0.03997158259153366},{"word":"you","start":721.48004,"end":721.72003,"confidence":0.99316406,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.04557012394070625},{"word":"did","start":721.72003,"end":722.04004,"confidence":0.99316406,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":0.05525678396224976},{"word":"you","start":722.04004,"end":722.28,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.05211986228823662},{"word":"did","start":722.28,"end":722.44,"confidence":0.8852539,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":0.04618328437209129},{"word":"and","start":722.44,"end":722.68005,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.015104290097951887},{"word":"that","start":722.68005,"end":722.76,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012366056442260742},{"word":"was","start":722.76,"end":722.92004,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.004132360219955444},{"word":"i","start":723.08,"end":723.16003,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.001960236579179764},{"word":"remember","start":723.16003,"end":723.48004,"confidence":0.97802734,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.007107459008693695},{"word":"that's","start":723.48004,"end":723.64,"confidence":0.5839844,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0013205136638134718},{"word":"the","start":723.64,"end":723.72003,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0015024729073047638},{"word":"reason","start":723.72003,"end":724.04004,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.00868847593665123},{"word":"you","start":724.04004,"end":724.2,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015418119728565216},{"word":"took","start":724.2,"end":724.36005,"confidence":0.9970703,"punctuated_word":"took","sentiment":"neutral","sentiment_score":0.004342801868915558},{"word":"the","start":724.36005,"end":724.52,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.003708653151988983},{"word":"funds","start":724.52,"end":724.76,"confidence":0.9902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.017000943422317505},{"word":"out","start":724.76,"end":724.92004,"confidence":0.99316406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.007042497396469116},{"word":"for","start":724.92004,"end":725.16003,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.011070527136325836},{"word":"that","start":725.16003,"end":725.32,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007964007556438446},{"word":"last","start":725.32,"end":725.56,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.027115188539028168},{"word":"withdrawal","start":725.56,"end":726.06,"confidence":0.8688965,"punctuated_word":"withdrawal.","sentiment":"neutral","sentiment_score":-0.0283746924251318},{"word":"and","start":726.28,"end":726.60004,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.010779015719890594},{"word":"how","start":726.60004,"end":726.92004,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.015794944018125534},{"word":"was","start":726.92004,"end":727.32,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.02702980488538742},{"word":"that","start":727.32,"end":727.82,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.02374913729727268},{"word":"yeah","start":730.76,"end":731.16003,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005781233310699463},{"word":"they","start":731.16003,"end":731.4,"confidence":0.9980469,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.007250754162669182},{"word":"go","start":731.4,"end":731.88,"confidence":0.9921875,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.01736283302307129},{"word":"fast","start":731.88,"end":732.38,"confidence":0.99902344,"punctuated_word":"fast.","sentiment":"neutral","sentiment_score":0.011222412809729576},{"word":"yeah","start":732.92004,"end":733.42004,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.036219630390405655},{"word":"yeah","start":735.335,"end":735.835,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.019291376695036888},{"word":"no","start":735.895,"end":736.295,"confidence":0.9951172,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.005698107182979584},{"word":"not","start":736.295,"end":736.455,"confidence":0.9970703,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.20732127130031583},{"word":"a","start":736.455,"end":736.535,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15072530508041382},{"word":"problem","start":736.535,"end":737.035,"confidence":0.88842773,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.19953250885009768},{"word":"not","start":737.495,"end":737.735,"confidence":0.984375,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.2522678077220917},{"word":"a","start":737.735,"end":737.895,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1976023018360138},{"word":"problem","start":737.895,"end":738.295,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.1674197018146515},{"word":"at","start":738.295,"end":738.535,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2338273525238037},{"word":"all","start":738.535,"end":738.695,"confidence":0.9980469,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.2628686726093292},{"word":"so","start":738.695,"end":739.195,"confidence":0.91552734,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.18349210917949677},{"word":"essentially","start":739.255,"end":739.735,"confidence":0.99902344,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.1390683799982071},{"word":"with","start":739.735,"end":739.895,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20773974061012268},{"word":"this","start":739.895,"end":740.135,"confidence":0.99609375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.21428579092025757},{"word":"advice","start":740.135,"end":740.535,"confidence":0.9316406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.20461270213127136},{"word":"piece","start":740.535,"end":740.855,"confidence":0.8630371,"punctuated_word":"piece,","sentiment":"neutral","sentiment_score":0.1534169316291809},{"word":"i'll","start":740.855,"end":741.015,"confidence":0.9975586,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1662328541278839},{"word":"just","start":741.015,"end":741.335,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1653682440519333},{"word":"sort","start":741.335,"end":741.415,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1019284650683403},{"word":"of","start":741.415,"end":741.575,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12359191477298737},{"word":"look","start":741.575,"end":741.815,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08124295622110367},{"word":"at","start":741.815,"end":742.315,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09389417618513109},{"word":"maybe","start":742.455,"end":742.935,"confidence":0.9536133,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.06386510282754898},{"word":"restructuring","start":742.935,"end":743.435,"confidence":0.9970703,"punctuated_word":"restructuring","sentiment":"neutral","sentiment_score":0.060388147830963135},{"word":"the","start":743.495,"end":743.655,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0057166218757629395},{"word":"investments","start":743.655,"end":744.155,"confidence":0.954834,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.02968555688858032},{"word":"look","start":744.295,"end":744.455,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06622350960969925},{"word":"at","start":744.455,"end":744.615,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07610554993152618},{"word":"the","start":744.615,"end":744.855,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.080247662961483},{"word":"cost","start":744.855,"end":745.355,"confidence":0.86987305,"punctuated_word":"cost,","sentiment":"neutral","sentiment_score":0.08277842402458191},{"word":"any","start":745.735,"end":746.055,"confidence":0.91259766,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0683797299861908},{"word":"tax","start":746.055,"end":746.455,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.06904833018779755},{"word":"consequences","start":746.455,"end":746.955,"confidence":0.9951172,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":-0.01204007863998413},{"word":"your","start":747.175,"end":747.415,"confidence":0.8125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13880836963653564},{"word":"super","start":747.415,"end":747.735,"confidence":0.9404297,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2097236067056656},{"word":"needs","start":747.735,"end":748.055,"confidence":0.9770508,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.18548038601875305},{"word":"to","start":748.055,"end":748.215,"confidence":0.96533203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18133653700351715},{"word":"factor","start":748.215,"end":748.615,"confidence":0.9941406,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.19729329645633695},{"word":"in","start":748.615,"end":749.1,"confidence":0.90185547,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.1997724622488022},{"word":"keeping","start":749.25995,"end":749.57996,"confidence":0.99121094,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.2818432152271271},{"word":"you","start":749.57996,"end":749.74,"confidence":0.9536133,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25710779428482056},{"word":"both","start":749.74,"end":749.98,"confidence":0.98291016,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.2318529188632965},{"word":"in","start":749.98,"end":750.22,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26930052042007446},{"word":"the","start":750.22,"end":750.45996,"confidence":0.93408203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29046180844306946},{"word":"super","start":750.45996,"end":750.94,"confidence":0.8935547,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.24923712015151975},{"word":"you","start":750.94,"end":751.1,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13880449533462524},{"word":"know","start":751.1,"end":751.42,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.12688052654266355},{"word":"accumulation","start":751.42,"end":751.92,"confidence":0.9951172,"punctuated_word":"accumulation","sentiment":"neutral","sentiment_score":0.21237459778785703},{"word":"kind","start":752.06,"end":752.3,"confidence":0.9838867,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04802563041448593},{"word":"of","start":752.3,"end":752.38,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13023638725280762},{"word":"area","start":752.38,"end":752.77997,"confidence":0.99902344,"punctuated_word":"area","sentiment":"neutral","sentiment_score":0.1840229332447052},{"word":"at","start":752.77997,"end":752.94,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1928098499774933},{"word":"the","start":752.94,"end":753.01996,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18365900218486783},{"word":"moment","start":753.01996,"end":753.42,"confidence":0.9719238,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.20272059738636017},{"word":"not","start":753.42,"end":753.81995,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.08956055343151093},{"word":"withdrawing","start":753.81995,"end":754.3,"confidence":0.99902344,"punctuated_word":"withdrawing","sentiment":"neutral","sentiment_score":-0.04518987610936165},{"word":"any","start":754.3,"end":754.54,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.032987430691719055},{"word":"additional","start":754.54,"end":755.01996,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.11015890538692474},{"word":"funds","start":755.01996,"end":755.42,"confidence":0.99902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.027491465210914612},{"word":"currently","start":755.42,"end":755.92,"confidence":0.8647461,"punctuated_word":"currently.","sentiment":"neutral","sentiment_score":0.05448007956147194},{"word":"and","start":758.3,"end":758.69995,"confidence":0.89990234,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11483936011791228},{"word":"just","start":758.69995,"end":758.94,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1412731409072876},{"word":"sort","start":758.94,"end":759.18,"confidence":0.98095703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07423514127731323},{"word":"of","start":759.18,"end":759.33997,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.154529869556427},{"word":"looking","start":759.33997,"end":759.57996,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.11223714053630827},{"word":"at","start":759.57996,"end":759.74,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10263282805681229},{"word":"longevity","start":759.74,"end":760.24,"confidence":0.9902344,"punctuated_word":"longevity","sentiment":"neutral","sentiment_score":0.1780555695295334},{"word":"wise","start":760.54,"end":761.01996,"confidence":0.93188477,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.1529642939567566},{"word":"what","start":761.01996,"end":761.25995,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13000869750976562},{"word":"this","start":761.25995,"end":761.5,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.11273135989904404},{"word":"might","start":761.5,"end":761.81995,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.02785474807024002},{"word":"mean","start":761.81995,"end":762.31995,"confidence":0.76416016,"punctuated_word":"mean.","sentiment":"neutral","sentiment_score":-0.046466097235679626},{"word":"did","start":762.38,"end":762.54,"confidence":0.9980469,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.02276136726140976},{"word":"you","start":762.54,"end":762.69995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022944994270801544},{"word":"want","start":762.69995,"end":762.86,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.019022922962903976},{"word":"me","start":762.86,"end":763.01996,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.050141748040914536},{"word":"to","start":763.01996,"end":763.1,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03515952453017235},{"word":"sort","start":763.1,"end":763.33997,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04440215975046158},{"word":"of","start":763.33997,"end":763.5,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03725437819957733},{"word":"look","start":763.5,"end":763.74,"confidence":0.9921875,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.018396027386188507},{"word":"at","start":763.74,"end":763.81995,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04153367877006531},{"word":"it","start":763.81995,"end":763.98,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.029375674203038216},{"word":"in","start":763.98,"end":764.06,"confidence":0.98291016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03299736976623535},{"word":"the","start":764.06,"end":764.22,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03747528791427612},{"word":"next","start":764.22,"end":764.415,"confidence":0.6640625,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04095541313290596},{"word":"fifteen","start":764.57495,"end":764.89496,"confidence":0.9951172,"punctuated_word":"fifteen","sentiment":"neutral","sentiment_score":0.04582801461219787},{"word":"months","start":764.89496,"end":765.21497,"confidence":0.99902344,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.04126761853694916},{"word":"and","start":765.21497,"end":765.45496,"confidence":0.42944336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0301367100328207},{"word":"maybe","start":765.45496,"end":765.77496,"confidence":0.99902344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.03992588818073273},{"word":"factor","start":765.77496,"end":766.255,"confidence":0.91845703,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.05071844160556793},{"word":"in","start":766.255,"end":766.755,"confidence":0.9941406,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.04617183655500412},{"word":"you","start":767.375,"end":767.615,"confidence":0.64746094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03086591511964798},{"word":"know","start":767.615,"end":767.855,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03711692243814469},{"word":"the","start":767.855,"end":768.175,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05102638900279999},{"word":"expected","start":768.175,"end":768.675,"confidence":0.9980469,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.06807492673397064},{"word":"age","start":769.295,"end":769.695,"confidence":0.9326172,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.020192068070173264},{"word":"pension","start":769.695,"end":770.195,"confidence":0.99316406,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.012743443250656128},{"word":"entitlement","start":770.255,"end":770.755,"confidence":0.9873047,"punctuated_word":"entitlement","sentiment":"neutral","sentiment_score":0.05433572828769684},{"word":"for","start":770.975,"end":771.295,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.030955925583839417},{"word":"you","start":771.295,"end":771.45496,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.033755503594875336},{"word":"both","start":771.45496,"end":771.855,"confidence":0.9711914,"punctuated_word":"both,","sentiment":"neutral","sentiment_score":0.05158813297748566},{"word":"robin","start":771.855,"end":772.255,"confidence":0.93969727,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.059152863919734955},{"word":"when","start":772.255,"end":772.415,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03740853816270828},{"word":"you","start":772.415,"end":772.57495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05284882336854935},{"word":"do","start":772.57495,"end":772.815,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.034147102385759354},{"word":"get","start":772.815,"end":773.055,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.031189244240522385},{"word":"to","start":773.055,"end":773.21497,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04382915049791336},{"word":"that","start":773.21497,"end":773.375,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04098590090870857},{"word":"age","start":773.375,"end":773.695,"confidence":1.0,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.018518678843975067},{"word":"to","start":773.695,"end":773.855,"confidence":0.8286133,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02716097980737686},{"word":"see","start":773.855,"end":774.095,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03920120745897293},{"word":"what","start":774.095,"end":774.33496,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03366730362176895},{"word":"that","start":774.33496,"end":774.65497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.042535897344350815},{"word":"might","start":774.65497,"end":774.89496,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.019186552613973618},{"word":"look","start":774.89496,"end":775.13495,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.01226469688117504},{"word":"like","start":775.13495,"end":775.63495,"confidence":0.97216797,"punctuated_word":"like?","sentiment":"neutral","sentiment_score":0.026206128299236298},{"word":"yeah","start":779.55,"end":779.79,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.330249547958374},{"word":"that's","start":779.79,"end":780.11,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3756943941116333},{"word":"okay","start":780.11,"end":780.51,"confidence":1.0,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.3406980633735657},{"word":"not","start":780.51,"end":780.67,"confidence":1.0,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.07963798195123672},{"word":"a","start":780.67,"end":780.91,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16381330788135529},{"word":"problem","start":780.91,"end":781.41,"confidence":0.9970703,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":-0.18354323506355288},{"word":"okay","start":793.085,"end":793.585,"confidence":0.87719727,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.021224722266197205},{"word":"no","start":793.72504,"end":793.885,"confidence":0.9494629,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11557608842849731},{"word":"that's","start":793.885,"end":794.28503,"confidence":0.99365234,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.061880242079496384},{"word":"yeah","start":794.605,"end":795.085,"confidence":0.98999023,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.057934071868658066},{"word":"no","start":795.085,"end":795.325,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07606081664562225},{"word":"that's","start":795.325,"end":795.645,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0789942815899849},{"word":"okay","start":795.645,"end":796.145,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.064843088388443},{"word":"so","start":796.84503,"end":797.245,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05569811910390854},{"word":"having","start":797.245,"end":797.565,"confidence":0.8828125,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.07805058360099792},{"word":"a","start":797.565,"end":797.645,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0969674289226532},{"word":"look","start":797.645,"end":797.805,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05790034309029579},{"word":"at","start":797.805,"end":797.965,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.059461936354637146},{"word":"i","start":798.045,"end":798.205,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07128830254077911},{"word":"mean","start":798.205,"end":798.365,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.050320450216531754},{"word":"when","start":798.365,"end":798.605,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05322885513305664},{"word":"we","start":798.605,"end":798.765,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04525693133473396},{"word":"sort","start":798.765,"end":798.925,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.02144104614853859},{"word":"of","start":798.925,"end":799.085,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.040997035801410675},{"word":"looked","start":799.085,"end":799.405,"confidence":0.9970703,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.02600699663162231},{"word":"at","start":799.405,"end":799.485,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03914227709174156},{"word":"that","start":799.485,"end":799.965,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.042742274701595306},{"word":"last","start":799.965,"end":800.28503,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02394907921552658},{"word":"time","start":800.28503,"end":800.525,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.03770492970943451},{"word":"and","start":800.525,"end":800.685,"confidence":0.61865234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03843160346150398},{"word":"we","start":800.685,"end":800.925,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.051020875573158264},{"word":"in","start":801.53,"end":801.77,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.035450391471385956},{"word":"august","start":801.77,"end":801.93,"confidence":0.99365234,"punctuated_word":"August,","sentiment":"neutral","sentiment_score":0.05459246784448624},{"word":"we","start":801.93,"end":802.17,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05885875225067139},{"word":"looked","start":802.17,"end":802.41003,"confidence":0.9770508,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.03565753251314163},{"word":"at","start":802.41003,"end":802.65,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04273380339145661},{"word":"the","start":802.65,"end":802.73004,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08779497444629669},{"word":"balanced","start":802.73004,"end":803.13,"confidence":0.61816406,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.06199797987937927},{"word":"portfolio","start":803.13,"end":803.63,"confidence":0.8786621,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.0554906465113163},{"word":"which","start":803.85004,"end":804.17,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.08355322480201721},{"word":"sorta","start":804.17,"end":804.49,"confidence":0.8186035,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.07636440545320511},{"word":"has","start":804.49,"end":804.73004,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.07942436635494232},{"word":"that","start":804.73004,"end":805.23004,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10120612382888794},{"word":"sixty","start":805.45,"end":805.93,"confidence":0.9970703,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.12454573810100555},{"word":"forty","start":805.93,"end":806.41003,"confidence":0.9116211,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":0.10879591107368468},{"word":"split","start":806.41003,"end":806.89,"confidence":0.9326172,"punctuated_word":"split.","sentiment":"neutral","sentiment_score":0.07432869076728821},{"word":"do","start":806.89,"end":807.13,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.0062757208943367004},{"word":"you","start":807.13,"end":807.37,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04388190805912018},{"word":"want","start":807.37,"end":807.61,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.042022086679935455},{"word":"to","start":807.61,"end":807.77,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08002232015132904},{"word":"maybe","start":807.77,"end":808.27,"confidence":0.96972656,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.038748085498809814},{"word":"have","start":808.65,"end":809.15,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06647491455078125},{"word":"more","start":809.77,"end":810.17,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.007115982472896576},{"word":"defensive","start":810.17,"end":810.67,"confidence":0.984375,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.003285914659500122},{"word":"investments","start":810.81,"end":811.31,"confidence":0.9970703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.0008085966110229492},{"word":"rather","start":811.45,"end":811.69,"confidence":0.99609375,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.01777711510658264},{"word":"than","start":811.69,"end":811.85004,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.009193472564220428},{"word":"that","start":811.85004,"end":812.09,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.005413822829723358},{"word":"60%","start":812.09,"end":812.81,"confidence":0.9926758,"punctuated_word":"60%","sentiment":"neutral","sentiment_score":0.04756104201078415},{"word":"growth","start":812.81,"end":813.21,"confidence":0.88012695,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":-0.006861727684736252},{"word":"or","start":813.21,"end":813.45,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.00978977233171463},{"word":"would","start":813.45,"end":813.69,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.00109785795211792},{"word":"you","start":813.69,"end":813.93,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01926317811012268},{"word":"rather","start":813.93,"end":814.41003,"confidence":1.0,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.010244980454444884},{"word":"see","start":814.41003,"end":814.65,"confidence":0.9667969,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03146892786026001},{"word":"a","start":814.65,"end":814.73004,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03185419738292694},{"word":"little","start":814.73004,"end":814.97003,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.03642992675304413},{"word":"bit","start":814.97003,"end":815.13,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.026070259511470795},{"word":"more","start":815.13,"end":815.45,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.005912594497203827},{"word":"growth","start":815.45,"end":815.93,"confidence":0.9941406,"punctuated_word":"growth?","sentiment":"neutral","sentiment_score":0.062090564519166946},{"word":"what's","start":815.93,"end":816.43,"confidence":0.845459,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.2541884779930115},{"word":"yep","start":820.995,"end":821.495,"confidence":0.86311847,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.12736868858337402},{"word":"i","start":821.955,"end":822.115,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12040525674819946},{"word":"could","start":822.115,"end":822.27496,"confidence":0.796875,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.13227461278438568},{"word":"i","start":822.27496,"end":822.435,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.130264550447464},{"word":"could","start":822.435,"end":822.675,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.16218538582324982},{"word":"try","start":822.675,"end":822.995,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.1424039900302887},{"word":"to","start":822.995,"end":823.15497,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14890830218791962},{"word":"make","start":823.15497,"end":823.315,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1399906575679779},{"word":"it","start":823.315,"end":823.475,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1335933804512024},{"word":"so","start":823.475,"end":823.795,"confidence":0.9223633,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14000289142131803},{"word":"we","start":823.795,"end":823.955,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12522730231285095},{"word":"see","start":823.955,"end":824.115,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13432827591896057},{"word":"about","start":824.115,"end":824.435,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11558523029088974},{"word":"a","start":824.435,"end":824.595,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13736313581466675},{"word":"fifty","start":824.595,"end":824.995,"confidence":0.9980469,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.151119664311409},{"word":"fifty","start":824.995,"end":825.475,"confidence":0.97802734,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.13385549187660217},{"word":"split","start":825.475,"end":825.875,"confidence":0.9892578,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.1694248467683792},{"word":"if","start":825.875,"end":825.955,"confidence":0.91845703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19545629620552063},{"word":"you","start":825.955,"end":826.115,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19100748002529144},{"word":"want","start":826.115,"end":826.515,"confidence":0.9951172,"punctuated_word":"want.","sentiment":"neutral","sentiment_score":0.15364575386047363},{"word":"i","start":826.515,"end":826.675,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13924387097358704},{"word":"can","start":826.675,"end":826.83496,"confidence":0.9941406,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16363798081874847},{"word":"look","start":826.83496,"end":827.075,"confidence":0.9951172,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.17621737718582153},{"word":"to","start":827.075,"end":827.575,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2080068588256836},{"word":"create","start":827.71497,"end":828.035,"confidence":0.9951172,"punctuated_word":"create","sentiment":"neutral","sentiment_score":0.21308624744415283},{"word":"a","start":828.035,"end":828.195,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21803706884384155},{"word":"portfolio","start":828.195,"end":828.695,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1645803451538086},{"word":"that","start":828.995,"end":829.235,"confidence":0.96240234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23038704693317413},{"word":"sees","start":829.235,"end":829.635,"confidence":0.91845703,"punctuated_word":"sees","sentiment":"neutral","sentiment_score":0.1898290067911148},{"word":"50%","start":829.635,"end":830.43,"confidence":0.9470215,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.2985503077507019},{"word":"in","start":830.43,"end":830.67,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26469793915748596},{"word":"those","start":830.67,"end":831.15,"confidence":0.9970703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.23438584804534912},{"word":"low","start":831.15,"end":831.39,"confidence":0.9716797,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.198647141456604},{"word":"risk","start":831.39,"end":831.79,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.036376699805259705},{"word":"defensive","start":831.79,"end":832.29,"confidence":0.88134766,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.08468084037303925},{"word":"investments","start":832.43,"end":832.93,"confidence":0.9550781,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1601761281490326},{"word":"like","start":833.23,"end":833.55,"confidence":0.6147461,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.22408020496368408},{"word":"cash","start":833.55,"end":833.95,"confidence":0.89746094,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.22296497225761416},{"word":"bonds","start":833.95,"end":834.27,"confidence":0.8823242,"punctuated_word":"bonds,","sentiment":"neutral","sentiment_score":0.23765374720096588},{"word":"and","start":834.27,"end":834.51,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23490580916404724},{"word":"fixed","start":834.51,"end":834.75,"confidence":1.0,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.2218203842639923},{"word":"interest","start":834.75,"end":835.15,"confidence":0.9279785,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.21705715358257296},{"word":"which","start":835.15,"end":835.31,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.24132129549980164},{"word":"is","start":835.31,"end":835.47003,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1652362048625946},{"word":"where","start":835.47003,"end":835.71,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.17806413769721985},{"word":"we","start":835.71,"end":835.87,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2387223839759827},{"word":"get","start":835.87,"end":836.19,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.214761883020401},{"word":"income","start":836.19,"end":836.59,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.2611837089061737},{"word":"from","start":836.59,"end":837.09,"confidence":0.99316406,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":0.21187859773635864},{"word":"they","start":837.87,"end":838.11,"confidence":0.5986328,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.25671103596687317},{"word":"do","start":838.11,"end":838.35,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28255847096443176},{"word":"get","start":838.35,"end":838.51,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3050364851951599},{"word":"a","start":838.51,"end":838.59,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2767903804779053},{"word":"lower","start":838.59,"end":838.91,"confidence":0.96240234,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.2489566057920456},{"word":"rate","start":838.91,"end":839.15,"confidence":0.99609375,"punctuated_word":"rate","sentiment":"positive","sentiment_score":0.3919512331485748},{"word":"of","start":839.15,"end":839.31,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3084651827812195},{"word":"return","start":839.31,"end":839.81,"confidence":0.9951172,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.2627462148666382},{"word":"but","start":840.03,"end":840.27,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16026002168655396},{"word":"they're","start":840.27,"end":840.51,"confidence":0.9758301,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.23075293004512787},{"word":"there","start":840.51,"end":840.75,"confidence":0.9892578,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.22816133499145508},{"word":"for","start":840.75,"end":841.07,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2208407521247864},{"word":"security","start":841.07,"end":841.57,"confidence":0.99902344,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.24006831645965576},{"word":"and","start":841.63,"end":841.87,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3210625946521759},{"word":"income","start":841.87,"end":842.19,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.3294208347797394},{"word":"producing","start":842.19,"end":842.69,"confidence":0.9975586,"punctuated_word":"producing.","sentiment":"neutral","sentiment_score":0.285905659198761},{"word":"they","start":843.225,"end":843.46497,"confidence":0.99609375,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.24408714473247528},{"word":"pay","start":843.46497,"end":843.70496,"confidence":0.9448242,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.26298338174819946},{"word":"out","start":843.70496,"end":843.865,"confidence":0.9926758,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.24995897710323337},{"word":"you","start":843.865,"end":844.105,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1702539175748825},{"word":"know","start":844.105,"end":844.345,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2222527116537094},{"word":"regular","start":844.345,"end":844.845,"confidence":1.0,"punctuated_word":"regular","sentiment":"positive","sentiment_score":0.33981481194496155},{"word":"dividends","start":845.065,"end":845.545,"confidence":0.99902344,"punctuated_word":"dividends","sentiment":"neutral","sentiment_score":0.2839411199092865},{"word":"and","start":845.545,"end":845.785,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2502734959125519},{"word":"income","start":845.785,"end":846.105,"confidence":0.7558594,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.24615254998207092},{"word":"which","start":846.105,"end":846.345,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.27549514174461365},{"word":"gets","start":846.345,"end":846.58496,"confidence":0.99316406,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.23513177037239075},{"word":"reinvested","start":846.58496,"end":847.08496,"confidence":0.99902344,"punctuated_word":"reinvested","sentiment":"neutral","sentiment_score":0.23845446109771729},{"word":"back","start":847.38495,"end":847.545,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.27572837471961975},{"word":"into","start":847.545,"end":847.865,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.3074257969856262},{"word":"your","start":847.865,"end":848.105,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.269260436296463},{"word":"super","start":848.105,"end":848.605,"confidence":0.88793945,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.28737398982048035},{"word":"and","start":849.14496,"end":849.305,"confidence":0.77441406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13414901494979858},{"word":"then","start":849.305,"end":849.545,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13482455909252167},{"word":"i","start":849.545,"end":849.70496,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15618765354156494},{"word":"could","start":849.70496,"end":849.94495,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.18860721588134768},{"word":"look","start":849.94495,"end":850.185,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.16077981889247894},{"word":"to","start":850.185,"end":850.345,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1792939156293869},{"word":"maybe","start":850.345,"end":850.82495,"confidence":0.98291016,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.12623360753059387},{"word":"keep","start":850.82495,"end":851.14496,"confidence":0.98291016,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.15774495899677277},{"word":"50%","start":851.14496,"end":851.94495,"confidence":0.99853516,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.20202916860580444},{"word":"in","start":851.94495,"end":852.185,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2190442532300949},{"word":"that","start":852.185,"end":852.685,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1782645285129547},{"word":"growth","start":853.545,"end":853.94495,"confidence":0.94140625,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1905052214860916},{"word":"area","start":853.94495,"end":854.425,"confidence":0.9951172,"punctuated_word":"area","sentiment":"neutral","sentiment_score":0.27343088388442993},{"word":"with","start":854.425,"end":854.58496,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.253105103969574},{"word":"those","start":854.58496,"end":855.08496,"confidence":0.9838867,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2643888592720032},{"word":"australian","start":855.39996,"end":855.72,"confidence":0.98828125,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.20904597640037537},{"word":"and","start":855.72,"end":855.8,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15392741560935974},{"word":"international","start":855.8,"end":856.3,"confidence":0.9506836,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.19197309017181396},{"word":"equities","start":856.76,"end":857.26,"confidence":0.99853516,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.20288784801959991},{"word":"and","start":857.39996,"end":857.88,"confidence":0.90283203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19767163693904877},{"word":"gold","start":857.88,"end":858.12,"confidence":0.9526367,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.20093807578086853},{"word":"and","start":858.12,"end":858.36,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18993616104125977},{"word":"silver","start":858.36,"end":858.68,"confidence":1.0,"punctuated_word":"silver","sentiment":"neutral","sentiment_score":0.17413195967674255},{"word":"and","start":858.68,"end":858.92,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1236949786543846},{"word":"things","start":858.92,"end":859.24,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.12520217895507812},{"word":"like","start":859.24,"end":859.39996,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07328371703624725},{"word":"that","start":859.39996,"end":859.64,"confidence":0.89331055,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.10524851083755492},{"word":"did","start":859.64,"end":859.88,"confidence":0.99902344,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.03180893510580063},{"word":"you","start":859.88,"end":859.95996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05713425576686859},{"word":"want","start":859.95996,"end":860.12,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.04814687371253967},{"word":"me","start":860.12,"end":860.27997,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08995893597602844},{"word":"to","start":860.27997,"end":860.44,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08772123605012894},{"word":"kind","start":860.44,"end":860.68,"confidence":0.94140625,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06666451692581177},{"word":"of","start":860.68,"end":860.83997,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09756200760602952},{"word":"restructure","start":860.83997,"end":861.33997,"confidence":1.0,"punctuated_word":"restructure","sentiment":"neutral","sentiment_score":0.06308984011411667},{"word":"it","start":861.39996,"end":861.56,"confidence":0.9243164,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13068082928657532},{"word":"to","start":861.56,"end":861.72,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06304530799388885},{"word":"give","start":861.72,"end":861.88,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1163233518600464},{"word":"you","start":861.88,"end":862.04,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09831497818231584},{"word":"more","start":862.04,"end":862.27997,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.08224053680896759},{"word":"of","start":862.27997,"end":862.36,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11524979770183565},{"word":"a","start":862.36,"end":862.52,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1269507259130478},{"word":"balanced","start":862.52,"end":862.92,"confidence":0.9980469,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.11233403533697128},{"word":"approach","start":862.92,"end":863.39996,"confidence":1.0,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":0.1791345626115799},{"word":"fifty","start":863.39996,"end":863.72,"confidence":0.8798828,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.21673139929771423},{"word":"fifty","start":863.72,"end":864.22,"confidence":0.9951172,"punctuated_word":"fifty?","sentiment":"neutral","sentiment_score":0.13805900514125824},{"word":"yep","start":872.375,"end":872.875,"confidence":0.7763672,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.009500625543296335},{"word":"yep","start":874.695,"end":875.195,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.028032949194312096},{"word":"i","start":875.415,"end":875.575,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13001957535743713},{"word":"mean","start":875.575,"end":875.815,"confidence":0.9926758,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.15891537070274353},{"word":"looking","start":875.815,"end":876.315,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.04653381556272507},{"word":"yeah","start":876.935,"end":877.415,"confidence":0.99316406,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.02561177685856819},{"word":"i","start":877.415,"end":877.495,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03435130417346954},{"word":"mean","start":877.495,"end":877.735,"confidence":0.9970703,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.015304330736398695},{"word":"looking","start":877.735,"end":878.055,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.02969331294298172},{"word":"at","start":878.055,"end":878.295,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02145533263683319},{"word":"where","start":878.295,"end":878.775,"confidence":0.9863281,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.022980570793151855},{"word":"you","start":878.775,"end":879.015,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.014600984752178192},{"word":"guys","start":879.015,"end":879.415,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.03800404816865921},{"word":"are","start":879.415,"end":879.655,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.002087526023387909},{"word":"at","start":879.655,"end":879.735,"confidence":0.9838867,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.009376242756843569},{"word":"the","start":879.735,"end":879.895,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.031531922519207},{"word":"moment","start":879.895,"end":880.375,"confidence":0.967041,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.0038108378648757935},{"word":"i'm","start":880.375,"end":880.53503,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.003616268513724208},{"word":"just","start":880.53503,"end":880.775,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0111624076962471},{"word":"sort","start":880.775,"end":881.015,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0127175971865654},{"word":"of","start":881.015,"end":881.175,"confidence":0.9404297,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02456701546907425},{"word":"seeing","start":881.175,"end":881.675,"confidence":0.9838867,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":-0.01945340633392334},{"word":"if","start":882.65,"end":882.81,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.010294537991285324},{"word":"i","start":882.81,"end":882.97003,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.003223247826099396},{"word":"can","start":882.97003,"end":883.37006,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.03766651451587677},{"word":"find","start":883.37006,"end":883.87006,"confidence":0.99902344,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.01618637889623642},{"word":"out","start":883.93005,"end":884.43005,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0033269301056861877},{"word":"what","start":885.21,"end":885.53,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.010676376521587372},{"word":"your","start":885.53,"end":885.77,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03313789516687393},{"word":"last","start":885.77,"end":886.09,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.031221993267536163},{"word":"one","start":886.09,"end":886.33,"confidence":0.9892578,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.011034086346626282},{"word":"was","start":886.33,"end":886.57,"confidence":0.7200928,"punctuated_word":"was.","sentiment":"neutral","sentiment_score":-0.028378430753946304},{"word":"because","start":886.57,"end":886.81,"confidence":0.98828125,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.06543506681919098},{"word":"i","start":886.81,"end":886.89,"confidence":0.9326172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05708574503660202},{"word":"know","start":886.89,"end":887.21,"confidence":0.99121094,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.07439735531806946},{"word":"rob","start":887.21,"end":887.37006,"confidence":0.31054688,"punctuated_word":"Rob","sentiment":"neutral","sentiment_score":0.02416948229074478},{"word":"and","start":887.37006,"end":887.61005,"confidence":0.53466797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07623665034770966},{"word":"yours","start":887.61005,"end":887.93005,"confidence":0.98828125,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":-0.08089295029640198},{"word":"is","start":887.93005,"end":888.43005,"confidence":0.9741211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08859729766845703},{"word":"more","start":888.65,"end":888.89,"confidence":0.99609375,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.09006151556968689},{"word":"of","start":888.89,"end":889.05005,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0862627848982811},{"word":"an","start":889.05005,"end":889.29004,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.0883122980594635},{"word":"older","start":889.29004,"end":889.79004,"confidence":0.98828125,"punctuated_word":"older","sentiment":"neutral","sentiment_score":-0.18739408254623413},{"word":"kind","start":889.85004,"end":890.09,"confidence":0.52685547,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.1705939769744873},{"word":"of","start":890.09,"end":890.33,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2060186862945557},{"word":"defensive","start":890.33,"end":890.83,"confidence":0.97265625,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.15818047523498535},{"word":"portfolio","start":890.97003,"end":891.47003,"confidence":0.984375,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.1353604793548584},{"word":"and","start":893.21,"end":893.37006,"confidence":0.8100586,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.03858266770839691},{"word":"from","start":893.37006,"end":893.61005,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.05257748067378998},{"word":"what","start":893.61005,"end":893.77,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.030351899564266205},{"word":"i","start":893.77,"end":893.93005,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05997084826231003},{"word":"can","start":893.93005,"end":894.105,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06450238078832626},{"word":"see","start":894.105,"end":894.345,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.04760046303272247},{"word":"here","start":894.345,"end":894.58496,"confidence":0.99609375,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.04948704317212105},{"word":"frank","start":894.58496,"end":894.90497,"confidence":0.99658203,"punctuated_word":"Frank,","sentiment":"neutral","sentiment_score":0.085905522108078},{"word":"you're","start":894.90497,"end":895.065,"confidence":0.9172363,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06109965592622757},{"word":"in","start":895.065,"end":895.225,"confidence":0.91503906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09908248484134674},{"word":"more","start":895.225,"end":895.385,"confidence":0.9941406,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.030796661972999573},{"word":"of","start":895.385,"end":895.545,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1138274073600769},{"word":"a","start":895.545,"end":895.70496,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11354230344295502},{"word":"balanced","start":895.70496,"end":896.02496,"confidence":0.98291016,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.06407636404037476},{"word":"growth","start":896.02496,"end":896.425,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.28464752435684204},{"word":"environment","start":896.425,"end":896.925,"confidence":0.99902344,"punctuated_word":"environment","sentiment":"neutral","sentiment_score":0.20827257633209229},{"word":"from","start":897.065,"end":897.225,"confidence":0.99316406,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.00636802613735199},{"word":"where","start":897.225,"end":897.46497,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.004991650581359863},{"word":"we","start":897.46497,"end":897.625,"confidence":0.9892578,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02811385691165924},{"word":"were","start":897.625,"end":897.945,"confidence":0.74072266,"punctuated_word":"were.","sentiment":"neutral","sentiment_score":-0.028160257264971733},{"word":"so","start":897.945,"end":898.02496,"confidence":0.9301758,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.039340436458587646},{"word":"that's","start":898.02496,"end":898.26495,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.00463546346873045},{"word":"kind","start":898.26495,"end":898.505,"confidence":0.96435547,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.040718451142311096},{"word":"of","start":898.505,"end":898.665,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04901205003261566},{"word":"that","start":898.665,"end":898.90497,"confidence":0.94189453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08537578582763672},{"word":"seventy","start":898.90497,"end":899.305,"confidence":0.9941406,"punctuated_word":"seventy","sentiment":"neutral","sentiment_score":-0.034861691296100616},{"word":"thirty","start":899.305,"end":899.785,"confidence":0.5789795,"punctuated_word":"thirty,","sentiment":"neutral","sentiment_score":-0.016622617840766907},{"word":"split","start":899.785,"end":900.105,"confidence":0.92578125,"punctuated_word":"split","sentiment":"neutral","sentiment_score":-0.010987773537635803},{"word":"70%","start":900.105,"end":900.82495,"confidence":0.9941406,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.02214338630437851},{"word":"in","start":900.82495,"end":900.985,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05280529707670212},{"word":"those","start":900.985,"end":901.485,"confidence":0.9890137,"punctuated_word":"those,","sentiment":"neutral","sentiment_score":-0.003555957227945328},{"word":"you","start":902.185,"end":902.345,"confidence":0.7709961,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.052263468503952026},{"word":"know","start":902.345,"end":902.845,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.033438630402088165},{"word":"riskier","start":903.625,"end":904.125,"confidence":0.9875488,"punctuated_word":"riskier","sentiment":"neutral","sentiment_score":-0.10095001757144928},{"word":"investments","start":904.185,"end":904.685,"confidence":0.99609375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.08778942376375198},{"word":"and","start":904.82495,"end":905.065,"confidence":0.9614258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08694668114185333},{"word":"30%","start":905.065,"end":905.785,"confidence":1.0,"punctuated_word":"30%","sentiment":"neutral","sentiment_score":0.12471933662891388},{"word":"in","start":905.785,"end":905.945,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18251721560955048},{"word":"those","start":905.945,"end":906.26495,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.22871512174606323},{"word":"low","start":906.26495,"end":906.505,"confidence":0.49951172,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.03981374204158783},{"word":"risk","start":906.505,"end":906.745,"confidence":0.99121094,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.06947605311870575},{"word":"investors","start":906.745,"end":907.245,"confidence":0.73657227,"punctuated_word":"investors.","sentiment":"neutral","sentiment_score":-0.020530931651592255},{"word":"so","start":907.41,"end":907.56995,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0351475328207016},{"word":"bringing","start":907.56995,"end":907.88995,"confidence":0.99902344,"punctuated_word":"bringing","sentiment":"neutral","sentiment_score":0.1356889009475708},{"word":"things","start":907.88995,"end":908.12994,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.18449901044368744},{"word":"down","start":908.12994,"end":908.37,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.27931293845176697},{"word":"for","start":908.37,"end":908.61,"confidence":0.8964844,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17515914142131803},{"word":"yourself","start":908.61,"end":909.08997,"confidence":1.0,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.28064653277397156},{"word":"would","start":909.08997,"end":909.41,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2800901532173157},{"word":"absolutely","start":909.41,"end":909.91,"confidence":0.99902344,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.43128377199172974},{"word":"be","start":910.05,"end":910.37,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.376424252986908},{"word":"preferable","start":910.37,"end":910.87,"confidence":0.99902344,"punctuated_word":"preferable.","sentiment":"neutral","sentiment_score":0.2911542057991028},{"word":"i'm","start":912.61,"end":912.76996,"confidence":0.90185547,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.014215881936252115},{"word":"just","start":912.76996,"end":912.92993,"confidence":0.984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09985420107841492},{"word":"sorry","start":913.08997,"end":913.41,"confidence":0.94506836,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.10811646282672882},{"word":"gonna","start":913.41,"end":913.64996,"confidence":0.85424805,"punctuated_word":"Gonna","sentiment":"neutral","sentiment_score":-0.06780052185058594},{"word":"go","start":913.64996,"end":913.81,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.021502241492271423},{"word":"into","start":913.81,"end":914.12994,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.005137808620929718},{"word":"the","start":914.12994,"end":914.29,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.022552140057086945},{"word":"file","start":914.29,"end":914.61,"confidence":1.0,"punctuated_word":"file","sentiment":"neutral","sentiment_score":-0.04083947092294693},{"word":"and","start":914.61,"end":914.76996,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0017930343747138977},{"word":"have","start":914.76996,"end":914.93,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.007852412760257721},{"word":"a","start":914.93,"end":915.00995,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03241322934627533},{"word":"quick","start":915.00995,"end":915.25,"confidence":0.9980469,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.04096464067697525},{"word":"look","start":915.25,"end":915.41,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.012141034007072449},{"word":"at","start":915.41,"end":915.56995,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.015664249658584595},{"word":"your","start":915.56995,"end":915.88995,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.014425784349441528},{"word":"last","start":915.88995,"end":916.38995,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.020114459097385406},{"word":"advice","start":917.97,"end":918.44995,"confidence":0.8105469,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.015442147850990295},{"word":"document","start":918.44995,"end":918.94995,"confidence":0.99121094,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.04377658665180206},{"word":"to","start":919.00995,"end":919.25,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016320519149303436},{"word":"sort","start":919.25,"end":919.41,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.016078248620033264},{"word":"of","start":919.41,"end":919.56995,"confidence":0.9326172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014055989682674408},{"word":"see","start":919.56995,"end":919.73,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.003348894417285919},{"word":"what","start":919.73,"end":919.97,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.016620010137557983},{"word":"we","start":919.97,"end":920.12994,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.061923637986183167},{"word":"were","start":920.12994,"end":920.37,"confidence":0.9980469,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.0034765228629112244},{"word":"looking","start":920.37,"end":920.85,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.04033694416284561},{"word":"at","start":920.85,"end":921.08997,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04145554453134537},{"word":"for","start":921.08997,"end":921.25,"confidence":0.9375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01520860195159912},{"word":"yourself","start":921.25,"end":921.64996,"confidence":0.99560547,"punctuated_word":"yourself,","sentiment":"neutral","sentiment_score":0.03758234530687332},{"word":"robin","start":921.64996,"end":922.14996,"confidence":0.89160156,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.06208511069417},{"word":"to","start":924.02496,"end":924.185,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03393041342496872},{"word":"see","start":924.185,"end":924.425,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06880749762058258},{"word":"how","start":924.425,"end":924.665,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06246618926525116},{"word":"this","start":924.665,"end":924.825,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05753907188773155},{"word":"was","start":924.825,"end":925.14496,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03385016322135925},{"word":"put","start":925.14496,"end":925.385,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.03206372261047363},{"word":"together","start":925.385,"end":925.885,"confidence":0.98535156,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.016334064304828644},{"word":"sorry","start":953.97504,"end":954.29504,"confidence":0.609375,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.10017827153205872},{"word":"won't","start":954.29504,"end":954.53503,"confidence":0.70739746,"punctuated_word":"Won't","sentiment":"neutral","sentiment_score":-0.08615472912788391},{"word":"be","start":954.53503,"end":954.695,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.11033901572227478},{"word":"a","start":954.695,"end":954.775,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09518572688102722},{"word":"second","start":954.775,"end":955.275,"confidence":0.9890137,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":-0.10441870987415314},{"word":"gotta","start":955.335,"end":955.73505,"confidence":0.8894043,"punctuated_word":"Gotta","sentiment":"neutral","sentiment_score":0.22215527296066284},{"word":"love","start":955.73505,"end":955.97504,"confidence":0.9980469,"punctuated_word":"love","sentiment":"neutral","sentiment_score":0.28126317262649536},{"word":"computers","start":955.97504,"end":956.455,"confidence":0.99902344,"punctuated_word":"computers","sentiment":"neutral","sentiment_score":0.10698512196540833},{"word":"when","start":956.455,"end":956.695,"confidence":0.99609375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.25568169355392456},{"word":"they","start":956.695,"end":956.85504,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.24303001165390015},{"word":"wanna","start":956.85504,"end":957.175,"confidence":0.9902344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.30236122012138367},{"word":"work","start":957.175,"end":957.41504,"confidence":0.9904785,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.2683011293411255},{"word":"it's","start":957.41504,"end":957.73505,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.13459549844264984},{"word":"loading","start":957.73505,"end":958.135,"confidence":1.0,"punctuated_word":"loading","sentiment":"neutral","sentiment_score":0.14824646711349487},{"word":"and","start":958.135,"end":958.29504,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10998255014419556},{"word":"thinking","start":958.29504,"end":958.775,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.11692247539758682},{"word":"about","start":958.775,"end":959.015,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13104602694511414},{"word":"it","start":959.015,"end":959.515,"confidence":0.9975586,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.10913369804620744},{"word":"oh","start":964.76,"end":965.26,"confidence":0.9797363,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.05004999414086342},{"word":"isn't","start":965.88,"end":966.2,"confidence":0.9980469,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":0.06193559244275093},{"word":"it","start":966.2,"end":966.36,"confidence":0.89208984,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0950130969285965},{"word":"great","start":966.36,"end":966.86,"confidence":0.99121094,"punctuated_word":"great?","sentiment":"neutral","sentiment_score":0.134099543094635},{"word":"yeah","start":969.8,"end":970.27997,"confidence":0.9758301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2462020218372345},{"word":"that's","start":970.27997,"end":970.6,"confidence":0.98583984,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.39461636543273926},{"word":"exactly","start":970.6,"end":971.1,"confidence":0.99902344,"punctuated_word":"exactly","sentiment":"positive","sentiment_score":0.384972631931305},{"word":"right","start":971.32,"end":971.82,"confidence":1.0,"punctuated_word":"right.","sentiment":"positive","sentiment_score":0.372723788022995},{"word":"okay","start":974.70496,"end":975.20496,"confidence":0.9663086,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.27999430894851685},{"word":"so","start":975.665,"end":976.165,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3067053556442261},{"word":"okay","start":979.345,"end":979.82495,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.31494030356407166},{"word":"so","start":979.82495,"end":980.32495,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.25129467248916626},{"word":"with","start":980.46497,"end":980.70496,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.26805564761161804},{"word":"this","start":980.70496,"end":980.865,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.3008705973625183},{"word":"sort","start":980.865,"end":981.105,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.22289004921913147},{"word":"of","start":981.105,"end":981.345,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27197712659835815},{"word":"defensive","start":981.345,"end":981.845,"confidence":0.37231445,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.19773408770561215},{"word":"portfolio","start":981.985,"end":982.485,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.19919085502624512},{"word":"that","start":982.945,"end":983.185,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25548219680786133},{"word":"we","start":983.185,"end":983.685,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2728158235549927},{"word":"have","start":983.90497,"end":984.40497,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2856098711490631},{"word":"here","start":984.46497,"end":984.785,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.27037492394447327},{"word":"for","start":984.785,"end":985.02496,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2633158564567566},{"word":"you","start":985.02496,"end":985.26495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2449311465024948},{"word":"there","start":985.26495,"end":985.505,"confidence":0.9941406,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.2520219683647156},{"word":"robin","start":985.505,"end":986.005,"confidence":0.9650879,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.260969340801239},{"word":"the","start":986.545,"end":986.70496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2505020797252655},{"word":"way","start":986.70496,"end":987.20496,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.270347535610199},{"word":"it","start":987.26495,"end":987.505,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22231288254261017},{"word":"was","start":987.505,"end":988.005,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.2116527408361435},{"word":"sort","start":988.48,"end":988.72003,"confidence":1.0,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1697525680065155},{"word":"of","start":988.72003,"end":988.8,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21846190094947815},{"word":"put","start":988.8,"end":989.12,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.20546594262123108},{"word":"together","start":989.12,"end":989.60004,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.2414371371269226},{"word":"from","start":989.60004,"end":989.84,"confidence":0.9838867,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.24480946362018585},{"word":"what","start":989.84,"end":990.08,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.21615369617938995},{"word":"i","start":990.08,"end":990.16003,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21698686480522156},{"word":"can","start":990.16003,"end":990.4,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23152513802051544},{"word":"see","start":990.4,"end":990.72003,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2554607093334198},{"word":"here","start":990.72003,"end":991.04,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.21107138693332672},{"word":"and","start":991.68,"end":991.84,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2139071226119995},{"word":"i'll","start":991.84,"end":992.08,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.22728872299194336},{"word":"go","start":992.08,"end":992.32,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.28420281410217285},{"word":"back","start":992.32,"end":992.72003,"confidence":0.8557129,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.25246185064315796},{"word":"obviously","start":992.72003,"end":993.22003,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.25848281383514404},{"word":"and","start":993.28,"end":993.44,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23638111352920532},{"word":"have","start":993.44,"end":993.68,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2778819799423218},{"word":"a","start":993.68,"end":993.76,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3061255216598511},{"word":"really","start":993.76,"end":994.08,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.3895410001277923},{"word":"good","start":994.08,"end":994.58,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3479067385196686},{"word":"review","start":994.72003,"end":995.04,"confidence":1.0,"punctuated_word":"review","sentiment":"positive","sentiment_score":0.47682297229766846},{"word":"of","start":995.04,"end":995.2,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4018466770648956},{"word":"things","start":995.2,"end":995.44,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3518138825893402},{"word":"again","start":995.44,"end":995.76,"confidence":0.9980469,"punctuated_word":"again","sentiment":"positive","sentiment_score":0.46077030897140503},{"word":"as","start":995.76,"end":995.92,"confidence":0.9980469,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3492734730243683},{"word":"i","start":995.92,"end":996.08,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3700510561466217},{"word":"go","start":996.08,"end":996.32,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.39673465490341187},{"word":"back","start":996.32,"end":996.56,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.28203335404396057},{"word":"through","start":996.56,"end":997.06,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.3091026544570923},{"word":"and","start":997.12,"end":997.28,"confidence":0.93847656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28159940242767334},{"word":"redo","start":997.28,"end":997.68,"confidence":0.98950195,"punctuated_word":"redo","sentiment":"neutral","sentiment_score":0.2518976032733917},{"word":"the","start":997.68,"end":997.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2785074710845947},{"word":"research","start":997.76,"end":998.26,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.23640024662017825},{"word":"for","start":998.32,"end":998.56,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23664149641990664},{"word":"you","start":998.56,"end":998.8,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2542246878147125},{"word":"there","start":998.8,"end":999.3,"confidence":0.9838867,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1714617758989334},{"word":"but","start":1000.0,"end":1000.24,"confidence":0.97509766,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.15410944819450378},{"word":"when","start":1000.24,"end":1000.4,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12797968089580536},{"word":"we","start":1000.4,"end":1000.56,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12997862696647644},{"word":"look","start":1000.56,"end":1000.8,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13150142133235931},{"word":"at","start":1000.8,"end":1000.96,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11268597096204758},{"word":"those","start":1000.96,"end":1001.36,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.16006344556808472},{"word":"higher","start":1001.36,"end":1001.76,"confidence":0.9980469,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.03696088492870331},{"word":"risk","start":1001.76,"end":1002.165,"confidence":0.99316406,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.022466354072093964},{"word":"kind","start":1002.32495,"end":1002.565,"confidence":0.9873047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03851007670164108},{"word":"of","start":1002.565,"end":1002.64496,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.037268973886966705},{"word":"growth","start":1002.64496,"end":1003.14496,"confidence":0.97265625,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.04508551210165024},{"word":"investments","start":1003.20496,"end":1003.685,"confidence":0.99316406,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.016454987227916718},{"word":"like","start":1003.685,"end":1004.08496,"confidence":0.54248047,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08167606592178345},{"word":"australian","start":1004.08496,"end":1004.58496,"confidence":0.9951172,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.12802374362945557},{"word":"shares","start":1004.64496,"end":1005.125,"confidence":0.9946289,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.11526715755462646},{"word":"international","start":1005.125,"end":1005.625,"confidence":0.9951172,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.10944752395153046},{"word":"shares","start":1005.76495,"end":1006.0449,"confidence":0.95654297,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.12351208925247192},{"word":"a","start":1006.0449,"end":1006.32495,"confidence":0.29296875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1285606324672699},{"word":"bit","start":1006.32495,"end":1006.64496,"confidence":0.9472656,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11745467782020567},{"word":"of","start":1006.64496,"end":1006.725,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07885400950908661},{"word":"property","start":1006.725,"end":1007.225,"confidence":0.96875,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.08978070318698883},{"word":"and","start":1007.52496,"end":1007.685,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10411205887794496},{"word":"also","start":1007.685,"end":1007.925,"confidence":0.8071289,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1166798323392868},{"word":"some","start":1007.925,"end":1008.165,"confidence":0.90527344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10619235038757324},{"word":"sort","start":1008.165,"end":1008.32495,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.05097757279872894},{"word":"of","start":1008.32495,"end":1008.485,"confidence":0.9885254,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.07446352392435074},{"word":"you","start":1008.485,"end":1008.64496,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.035217128694057465},{"word":"know","start":1008.64496,"end":1008.805,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.041057150810956955},{"word":"gold","start":1008.805,"end":1009.125,"confidence":0.9550781,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.11391560733318327},{"word":"and","start":1009.125,"end":1009.285,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10284602642059326},{"word":"silver","start":1009.285,"end":1009.685,"confidence":1.0,"punctuated_word":"silver","sentiment":"neutral","sentiment_score":0.09938132762908936},{"word":"there","start":1009.685,"end":1010.185,"confidence":0.92529297,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.11594846844673155},{"word":"the","start":1010.245,"end":1010.40497,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.144726499915123},{"word":"way","start":1010.40497,"end":1010.64496,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.16483624279499054},{"word":"this","start":1010.64496,"end":1010.88495,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1498656868934631},{"word":"was","start":1010.88495,"end":1011.20496,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.12801311910152435},{"word":"sort","start":1011.20496,"end":1011.445,"confidence":0.9838867,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0903753936290741},{"word":"of","start":1011.445,"end":1011.52496,"confidence":0.96972656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1304900199174881},{"word":"structured","start":1011.52496,"end":1012.02496,"confidence":0.99121094,"punctuated_word":"structured","sentiment":"neutral","sentiment_score":0.15022194385528564},{"word":"was","start":1012.08496,"end":1012.32495,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.10471637547016144},{"word":"that","start":1012.32495,"end":1012.485,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11255674809217452},{"word":"you","start":1012.485,"end":1012.565,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14470291137695312},{"word":"would","start":1012.565,"end":1012.88495,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0989108830690384},{"word":"see","start":1012.88495,"end":1013.045,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11730650067329408},{"word":"about","start":1013.045,"end":1013.445,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09945419430732728},{"word":"43.6%","start":1013.445,"end":1016.02496,"confidence":0.9586995,"punctuated_word":"43.6%.","sentiment":"neutral","sentiment_score":0.13098810613155365},{"word":"so","start":1016.81,"end":1016.97,"confidence":0.93603516,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14057856798171997},{"word":"about","start":1016.97,"end":1017.29,"confidence":0.9863281,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16818875074386597},{"word":"40","start":1017.29,"end":1017.53,"confidence":0.9970703,"punctuated_word":"40","sentiment":"neutral","sentiment_score":0.291607528924942},{"word":"odd","start":1017.53,"end":1017.85,"confidence":0.7524414,"punctuated_word":"odd","sentiment":"neutral","sentiment_score":0.2658451795578003},{"word":"percent","start":1017.85,"end":1018.33,"confidence":0.9980469,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.25197845697402954},{"word":"in","start":1018.33,"end":1018.57,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3180727958679199},{"word":"those","start":1018.57,"end":1018.89,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2165917009115219},{"word":"sorts","start":1018.89,"end":1019.13,"confidence":0.98828125,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.10664134472608566},{"word":"of","start":1019.13,"end":1019.37,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13820204138755798},{"word":"investments","start":1019.37,"end":1019.87,"confidence":0.70422363,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.11127588152885436},{"word":"and","start":1020.09,"end":1020.33,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17504695057868958},{"word":"then","start":1020.33,"end":1020.83,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14541500806808472},{"word":"the","start":1021.05,"end":1021.13,"confidence":0.6586914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16701580584049225},{"word":"more","start":1021.13,"end":1021.53,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.16477584838867188},{"word":"defensive","start":1021.53,"end":1022.03,"confidence":0.66796875,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.12543579936027527},{"word":"investments","start":1022.09,"end":1022.57,"confidence":0.84277344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.08879873156547546},{"word":"and","start":1022.57,"end":1022.73,"confidence":0.3659668,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1818573772907257},{"word":"lower","start":1022.73,"end":1023.13,"confidence":0.9970703,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.11895616352558136},{"word":"risk","start":1023.13,"end":1023.53,"confidence":0.94384766,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":0.08913341909646988},{"word":"you","start":1023.53,"end":1023.69,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.198468878865242},{"word":"are","start":1023.69,"end":1023.93,"confidence":0.8378906,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.20009112358093264},{"word":"roughly","start":1023.93,"end":1024.33,"confidence":1.0,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.2114769816398621},{"word":"about","start":1024.33,"end":1024.57,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.21047760546207428},{"word":"the","start":1024.57,"end":1024.73,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20915135741233823},{"word":"same","start":1024.73,"end":1024.97,"confidence":0.97021484,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.2009781450033188},{"word":"so","start":1024.97,"end":1025.13,"confidence":0.85595703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2146160900592804},{"word":"you're","start":1025.13,"end":1025.45,"confidence":0.9675293,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.29511234164237976},{"word":"kind","start":1025.45,"end":1025.61,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2475847750902176},{"word":"of","start":1025.61,"end":1025.77,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3029511570930481},{"word":"in","start":1025.77,"end":1025.93,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2678350508213043},{"word":"that","start":1025.93,"end":1026.17,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3195819854736328},{"word":"fifty","start":1026.17,"end":1026.57,"confidence":1.0,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.2520120143890381},{"word":"fifty","start":1026.57,"end":1026.89,"confidence":0.9819336,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.2636614441871643},{"word":"split","start":1026.89,"end":1027.29,"confidence":0.96240234,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.2547573745250702},{"word":"there","start":1027.29,"end":1027.79,"confidence":0.99853516,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.21550516784191132},{"word":"the","start":1028.57,"end":1028.73,"confidence":0.97265625,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.24277588725090027},{"word":"idea","start":1028.73,"end":1029.13,"confidence":0.99121094,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.2600310444831848},{"word":"is","start":1029.13,"end":1029.37,"confidence":0.9790039,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3260508179664612},{"word":"it's","start":1029.37,"end":1029.61,"confidence":0.7388916,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.33586248755455017},{"word":"about","start":1029.61,"end":1029.93,"confidence":0.7866211,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.3655399978160858},{"word":"getting","start":1029.93,"end":1030.43,"confidence":1.0,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.3461029529571533},{"word":"some","start":1030.8049,"end":1030.965,"confidence":0.99902344,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.34339258074760437},{"word":"good","start":1030.965,"end":1031.445,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3733142614364624},{"word":"growth","start":1031.445,"end":1031.765,"confidence":0.99609375,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.451102077960968},{"word":"and","start":1031.765,"end":1032.005,"confidence":0.9038086,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.40371209383010864},{"word":"making","start":1032.005,"end":1032.325,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.4098085165023804},{"word":"your","start":1032.325,"end":1032.565,"confidence":0.63378906,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.39707285165786743},{"word":"super","start":1032.565,"end":1032.885,"confidence":0.9770508,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.48708978295326233},{"word":"work","start":1032.885,"end":1033.125,"confidence":0.96972656,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.37163448333740234},{"word":"a","start":1033.125,"end":1033.205,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3006412088871002},{"word":"bit","start":1033.205,"end":1033.445,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08107864856719971},{"word":"harder","start":1033.445,"end":1033.765,"confidence":0.9980469,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.18286289274692535},{"word":"in","start":1033.765,"end":1033.9249,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.25799083709716797},{"word":"some","start":1033.9249,"end":1034.325,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.23354008793830872},{"word":"areas","start":1034.325,"end":1034.825,"confidence":0.90966797,"punctuated_word":"areas,","sentiment":"neutral","sentiment_score":0.22808703780174255},{"word":"but","start":1035.605,"end":1035.765,"confidence":0.98291016,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.14344745874404907},{"word":"then","start":1035.765,"end":1035.9249,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19400906562805176},{"word":"also","start":1035.9249,"end":1036.325,"confidence":0.93408203,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.17833298444747925},{"word":"trying","start":1036.325,"end":1036.645,"confidence":0.9116211,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.271513432264328},{"word":"to","start":1036.645,"end":1036.725,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2680208086967468},{"word":"get","start":1036.725,"end":1037.125,"confidence":0.99365234,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.2187318205833435},{"word":"you","start":1037.125,"end":1037.445,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2270163744688034},{"word":"know","start":1037.445,"end":1037.945,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.23708240687847135},{"word":"lower","start":1038.165,"end":1038.485,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.1274229884147644},{"word":"risk","start":1038.485,"end":1038.8049,"confidence":0.9921875,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.06399337947368622},{"word":"and","start":1038.8049,"end":1039.045,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2065680027008057},{"word":"keep","start":1039.045,"end":1039.205,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.33878716826438904},{"word":"your","start":1039.205,"end":1039.525,"confidence":0.8671875,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3669393658638001},{"word":"super","start":1039.525,"end":1039.765,"confidence":0.9970703,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3454197943210602},{"word":"keep","start":1040.565,"end":1040.8049,"confidence":0.99609375,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.3693187832832336},{"word":"your","start":1040.8049,"end":1041.045,"confidence":0.9941406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3341032862663269},{"word":"capital","start":1041.045,"end":1041.525,"confidence":0.99609375,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.2677760720252991},{"word":"there","start":1041.525,"end":1041.765,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3529227077960968},{"word":"without","start":1041.765,"end":1042.265,"confidence":1.0,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.09989792853593826},{"word":"seeing","start":1042.325,"end":1042.8049,"confidence":0.9980469,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":-0.02833421528339386},{"word":"big","start":1042.8049,"end":1043.045,"confidence":0.99902344,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.20870548486709595},{"word":"market","start":1043.045,"end":1043.445,"confidence":0.9980469,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.2857174277305603},{"word":"fluctuations","start":1043.445,"end":1043.945,"confidence":0.8395996,"punctuated_word":"fluctuations,","sentiment":"neutral","sentiment_score":-0.15256759524345398},{"word":"so","start":1044.165,"end":1044.405,"confidence":0.94970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10758723318576811},{"word":"big","start":1044.405,"end":1044.725,"confidence":0.99902344,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.12739844620227814},{"word":"ups","start":1044.725,"end":1044.965,"confidence":1.0,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.005272038280963898},{"word":"and","start":1044.965,"end":1045.125,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.002592533826828003},{"word":"downs","start":1045.125,"end":1045.625,"confidence":0.9892578,"punctuated_word":"downs.","sentiment":"neutral","sentiment_score":0.05269759148359299},{"word":"did","start":1046.49,"end":1046.73,"confidence":0.99121094,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.08261558413505554},{"word":"you","start":1046.73,"end":1046.89,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14037767052650452},{"word":"want","start":1046.89,"end":1047.05,"confidence":0.99121094,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.1075441837310791},{"word":"me","start":1047.05,"end":1047.21,"confidence":0.97314453,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1657378077507019},{"word":"to","start":1047.21,"end":1047.37,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16221708059310913},{"word":"sort","start":1047.37,"end":1047.61,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09528213739395142},{"word":"of","start":1047.61,"end":1047.77,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14915962517261505},{"word":"keep","start":1047.77,"end":1048.01,"confidence":0.9970703,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.12858159840106964},{"word":"it","start":1048.01,"end":1048.17,"confidence":0.6738281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11796213686466216},{"word":"that","start":1048.17,"end":1048.41,"confidence":0.8852539,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17750190198421478},{"word":"fifty","start":1048.41,"end":1048.81,"confidence":0.9980469,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.13177472352981567},{"word":"fifty","start":1048.81,"end":1049.31,"confidence":0.95703125,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.14989882707595825},{"word":"split","start":1049.37,"end":1049.87,"confidence":0.8359375,"punctuated_word":"split,","sentiment":"neutral","sentiment_score":0.10411059856414796},{"word":"making","start":1050.65,"end":1050.97,"confidence":0.92089844,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.1272321790456772},{"word":"sure","start":1050.97,"end":1051.29,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1259496808052063},{"word":"that","start":1051.29,"end":1051.53,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13772831857204437},{"word":"you're","start":1051.53,"end":1051.6901,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09969235956668854},{"word":"not","start":1051.6901,"end":1051.93,"confidence":0.9980469,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":0.01006770133972168},{"word":"you","start":1051.93,"end":1052.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08088727295398712},{"word":"know","start":1052.01,"end":1052.3301,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.090619258582592},{"word":"taking","start":1052.3301,"end":1052.73,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.17935475707054138},{"word":"on","start":1052.73,"end":1052.89,"confidence":0.9873047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.23278090357780457},{"word":"too","start":1052.89,"end":1053.13,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.18064317107200625},{"word":"much","start":1053.13,"end":1053.4501,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.15008802711963654},{"word":"risk","start":1053.4501,"end":1053.9501,"confidence":0.97753906,"punctuated_word":"risk?","sentiment":"neutral","sentiment_score":-0.09403488785028458},{"word":"i","start":1054.73,"end":1054.89,"confidence":0.9633789,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08239822089672089},{"word":"can","start":1054.89,"end":1055.05,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12307316809892654},{"word":"on","start":1055.21,"end":1055.4501,"confidence":0.9741211,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11217733472585678},{"word":"yeah","start":1056.01,"end":1056.51,"confidence":0.9916992,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.14612293243408203},{"word":"yeah","start":1061.7051,"end":1062.025,"confidence":0.7548828,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.24066928029060364},{"word":"it","start":1062.025,"end":1062.185,"confidence":0.97314453,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2173043042421341},{"word":"looks","start":1062.185,"end":1062.425,"confidence":0.9980469,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.2576717138290405},{"word":"like","start":1062.425,"end":1062.505,"confidence":0.9951172,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.23854616284370425},{"word":"you've","start":1062.505,"end":1062.745,"confidence":0.9699707,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1978382468223572},{"word":"kind","start":1062.745,"end":1062.985,"confidence":0.98291016,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1407262533903122},{"word":"of","start":1062.985,"end":1063.305,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22924326360225675},{"word":"meant","start":1063.305,"end":1063.625,"confidence":0.9970703,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":0.1576111614704132},{"word":"to","start":1063.625,"end":1063.7051,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1608538031578064},{"word":"have","start":1063.7051,"end":1063.865,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12901362776756287},{"word":"that","start":1063.865,"end":1064.105,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1867811679840088},{"word":"sort","start":1064.105,"end":1064.265,"confidence":0.9863281,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08220124244689941},{"word":"of","start":1064.265,"end":1064.505,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1557575166225433},{"word":"fifty","start":1064.505,"end":1064.8251,"confidence":0.99902344,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.14331349730491638},{"word":"fifty","start":1064.8251,"end":1065.225,"confidence":0.95703125,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.1624148041009903},{"word":"split","start":1065.225,"end":1065.625,"confidence":0.9951172,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.13175702095031738},{"word":"in","start":1065.625,"end":1065.785,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1712261289358139},{"word":"here","start":1065.785,"end":1066.105,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.16745910048484802},{"word":"anyway","start":1066.105,"end":1066.605,"confidence":0.7258301,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.1680411696434021},{"word":"sort","start":1066.905,"end":1067.145,"confidence":0.5786133,"punctuated_word":"Sort","sentiment":"neutral","sentiment_score":0.06258141994476318},{"word":"of","start":1067.145,"end":1067.305,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07400144636631012},{"word":"48","start":1067.305,"end":1067.865,"confidence":0.99658203,"punctuated_word":"48","sentiment":"neutral","sentiment_score":0.07064296305179596},{"word":"between","start":1067.865,"end":1068.365,"confidence":0.9243164,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.040906600654125214},{"word":"43","start":1068.425,"end":1069.145,"confidence":0.86779785,"punctuated_word":"43,","sentiment":"neutral","sentiment_score":0.08487498015165329},{"word":"45","start":1069.145,"end":1070.045,"confidence":0.96655273,"punctuated_word":"45,","sentiment":"neutral","sentiment_score":0.11743040382862092},{"word":"then","start":1070.3451,"end":1070.665,"confidence":0.90478516,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11222368478775024},{"word":"48","start":1070.665,"end":1071.645,"confidence":0.9992676,"punctuated_word":"48.","sentiment":"neutral","sentiment_score":0.11413012444972992},{"word":"it","start":1072.78,"end":1072.9401,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.13963747024536133},{"word":"looks","start":1072.9401,"end":1073.1,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.18786154687404633},{"word":"like","start":1073.1,"end":1073.34,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1930463016033173},{"word":"you","start":1073.34,"end":1073.5,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16963130235671997},{"word":"are","start":1073.5,"end":1073.5801,"confidence":0.96777344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.183073490858078},{"word":"meant","start":1073.5801,"end":1073.8201,"confidence":0.99902344,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":0.16065560281276703},{"word":"to","start":1073.8201,"end":1073.9,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1801455318927765},{"word":"sort","start":1073.9,"end":1074.14,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1405021846294403},{"word":"of","start":1074.14,"end":1074.22,"confidence":0.6928711,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22836343944072723},{"word":"have","start":1074.22,"end":1074.4601,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16911551356315613},{"word":"that","start":1074.4601,"end":1074.62,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.205087348818779},{"word":"fifty","start":1074.62,"end":1075.02,"confidence":0.99902344,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.1587541103363037},{"word":"fifty","start":1075.02,"end":1075.34,"confidence":0.95947266,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.18168991804122925},{"word":"split","start":1075.34,"end":1075.5801,"confidence":0.9838867,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.13592901825904846},{"word":"in","start":1075.5801,"end":1075.74,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1304425597190857},{"word":"these","start":1075.74,"end":1076.06,"confidence":0.9707031,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.15488731861114502},{"word":"older","start":1076.06,"end":1076.38,"confidence":0.99121094,"punctuated_word":"older","sentiment":"neutral","sentiment_score":0.0488787442445755},{"word":"portfolios","start":1076.38,"end":1076.88,"confidence":0.9980469,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.07861996442079544},{"word":"with","start":1077.1,"end":1077.34,"confidence":0.9760742,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16680723428726196},{"word":"them","start":1077.34,"end":1077.5801,"confidence":0.9902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.12944293022155762},{"word":"being","start":1077.5801,"end":1077.8201,"confidence":0.9941406,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.21524891257286072},{"word":"in","start":1077.8201,"end":1077.98,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15772193670272827},{"word":"that","start":1077.98,"end":1078.14,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16599680483341217},{"word":"kind","start":1078.14,"end":1078.38,"confidence":0.89208984,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05777615308761597},{"word":"of","start":1078.38,"end":1078.4601,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19084970653057096},{"word":"defensive","start":1078.4601,"end":1078.9601,"confidence":0.99609375,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.00902453064918518},{"word":"environment","start":1079.1,"end":1079.6,"confidence":0.986084,"punctuated_word":"environment.","sentiment":"neutral","sentiment_score":-0.03201081231236458},{"word":"with","start":1082.06,"end":1082.3,"confidence":0.5966797,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.01728661358356476},{"word":"the","start":1082.3,"end":1082.54,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02835080772638321},{"word":"ups","start":1082.54,"end":1082.7001,"confidence":0.9941406,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.014665704220533373},{"word":"and","start":1082.7001,"end":1082.9401,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.041248515248298645},{"word":"downs","start":1082.9401,"end":1083.26,"confidence":0.8654785,"punctuated_word":"downs,","sentiment":"neutral","sentiment_score":-0.03386764973402023},{"word":"the","start":1083.26,"end":1083.42,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04503066837787628},{"word":"market","start":1083.42,"end":1083.8201,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.03266230970621109},{"word":"is","start":1083.8201,"end":1084.06,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04172692820429802},{"word":"seeing","start":1084.06,"end":1084.4601,"confidence":0.75,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":-0.10372091829776764},{"word":"probably","start":1084.4601,"end":1084.9401,"confidence":0.44604492,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.06208714097738266},{"word":"a","start":1084.9401,"end":1085.1,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.051985543221235275},{"word":"really","start":1085.1,"end":1085.34,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.01224564015865326},{"word":"good","start":1085.34,"end":1085.66,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.06392863392829895},{"word":"way","start":1085.66,"end":1085.9,"confidence":0.98828125,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.02462109923362732},{"word":"to","start":1085.9,"end":1086.4,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.022687651216983795},{"word":"look","start":1086.405,"end":1086.645,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.01794009655714035},{"word":"at","start":1086.645,"end":1086.885,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.00365467369556427},{"word":"how","start":1086.885,"end":1087.045,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.01989266276359558},{"word":"you","start":1087.045,"end":1087.2051,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.002423524856567383},{"word":"think","start":1087.2051,"end":1087.4451,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.03845891356468201},{"word":"about","start":1087.4451,"end":1087.685,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06811138987541199},{"word":"risk","start":1087.685,"end":1088.005,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.03775547444820404},{"word":"and","start":1088.005,"end":1088.245,"confidence":0.94140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04846802353858948},{"word":"how","start":1088.245,"end":1088.405,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.06657589226961136},{"word":"you","start":1088.405,"end":1088.485,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03433898836374283},{"word":"should","start":1088.485,"end":1088.725,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.044451601803302765},{"word":"be","start":1088.725,"end":1088.9651,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.060315296053886414},{"word":"invested","start":1088.9651,"end":1089.365,"confidence":0.24609375,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.10180021822452544},{"word":"is","start":1089.365,"end":1089.525,"confidence":0.62158203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01034880429506302},{"word":"if","start":1089.525,"end":1089.685,"confidence":0.9394531,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.018313992768526077},{"word":"you","start":1089.685,"end":1089.765,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02720368653535843},{"word":"think","start":1089.765,"end":1090.005,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.034463055431842804},{"word":"about","start":1090.005,"end":1090.405,"confidence":0.9819336,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.014556899666786194},{"word":"risk","start":1090.405,"end":1090.905,"confidence":0.99316406,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.023758359253406525},{"word":"as","start":1091.125,"end":1091.285,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0258605033159256},{"word":"a","start":1091.285,"end":1091.4451,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.023540347814559937},{"word":"number","start":1091.4451,"end":1091.845,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":-0.06025797128677368},{"word":"between","start":1091.845,"end":1092.345,"confidence":0.9951172,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.07269328832626343},{"word":"one","start":1093.125,"end":1093.365,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.08715125918388367},{"word":"and","start":1093.365,"end":1093.605,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0752035602927208},{"word":"five","start":1093.605,"end":1094.105,"confidence":0.8840332,"punctuated_word":"five.","sentiment":"neutral","sentiment_score":-0.07021664828062057},{"word":"if","start":1094.5651,"end":1094.805,"confidence":0.99609375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.03028952330350876},{"word":"you","start":1094.805,"end":1095.045,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012819107621908188},{"word":"say","start":1095.045,"end":1095.365,"confidence":0.9941406,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.020998865365982056},{"word":"five","start":1095.365,"end":1095.685,"confidence":0.9863281,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.01488357037305832},{"word":"is","start":1095.685,"end":1096.185,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.031339380890131},{"word":"most","start":1096.405,"end":1096.725,"confidence":0.90625,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.01939002424478531},{"word":"aggressive","start":1096.725,"end":1097.225,"confidence":0.9951172,"punctuated_word":"aggressive","sentiment":"neutral","sentiment_score":0.0057623907923698425},{"word":"portfolio","start":1097.4451,"end":1097.9451,"confidence":0.95214844,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.03656696155667305},{"word":"a","start":1098.0851,"end":1098.3251,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.016731109470129013},{"word":"100%","start":1098.3251,"end":1099.125,"confidence":1.0,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":0.026364319026470184},{"word":"invested","start":1099.125,"end":1099.625,"confidence":0.9980469,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.011814512312412262},{"word":"in","start":1099.845,"end":1100.005,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.019482947885990143},{"word":"those","start":1100.005,"end":1100.37,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.014168553054332731},{"word":"high","start":1100.53,"end":1100.77,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.04568755626678467},{"word":"risk","start":1100.77,"end":1101.17,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.01565244048833847},{"word":"investments","start":1101.17,"end":1101.57,"confidence":0.984375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.06939192116260529},{"word":"like","start":1101.57,"end":1101.89,"confidence":0.8076172,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.03984996676445007},{"word":"shares","start":1101.89,"end":1102.39,"confidence":0.8300781,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":-0.024961423128843307},{"word":"and","start":1103.01,"end":1103.33,"confidence":0.5683594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.005193136632442474},{"word":"one","start":1103.33,"end":1103.65,"confidence":0.9951172,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.01789432018995285},{"word":"is","start":1103.65,"end":1103.89,"confidence":0.9560547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0004163384437561035},{"word":"being","start":1103.89,"end":1104.21,"confidence":0.98828125,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.00781271606683731},{"word":"all","start":1104.21,"end":1104.37,"confidence":0.91259766,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.010265685617923737},{"word":"fully","start":1104.37,"end":1104.69,"confidence":0.9980469,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.017763882875442505},{"word":"in","start":1104.69,"end":1104.93,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0577189028263092},{"word":"cash","start":1104.93,"end":1105.17,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.0028071552515029907},{"word":"and","start":1105.17,"end":1105.33,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.023463569581508636},{"word":"not","start":1105.33,"end":1105.49,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06638046354055405},{"word":"getting","start":1105.49,"end":1105.8099,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.0677504763007164},{"word":"much","start":1105.8099,"end":1106.05,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.053794704377651215},{"word":"of","start":1106.05,"end":1106.13,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07867153733968735},{"word":"a","start":1106.13,"end":1106.37,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0946512520313263},{"word":"return","start":1106.37,"end":1106.87,"confidence":0.8737793,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":-0.05605857074260712},{"word":"where","start":1107.25,"end":1107.49,"confidence":0.99902344,"punctuated_word":"Where","sentiment":"neutral","sentiment_score":-0.012403488159179688},{"word":"do","start":1107.49,"end":1107.65,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0033607855439186096},{"word":"you","start":1107.65,"end":1107.73,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04095851257443428},{"word":"think","start":1107.73,"end":1108.13,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04281482845544815},{"word":"each","start":1108.13,"end":1108.37,"confidence":0.984375,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.07173249125480652},{"word":"of","start":1108.37,"end":1108.53,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05978097766637802},{"word":"you","start":1108.53,"end":1108.69,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04418438673019409},{"word":"might","start":1108.69,"end":1109.01,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.07359451055526733},{"word":"fit","start":1109.01,"end":1109.25,"confidence":0.9838867,"punctuated_word":"fit","sentiment":"neutral","sentiment_score":0.07001210749149323},{"word":"in","start":1109.25,"end":1109.57,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05416719615459442},{"word":"between","start":1109.57,"end":1110.05,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.04093840345740318},{"word":"that","start":1110.05,"end":1110.29,"confidence":0.99365234,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.03451245650649071},{"word":"do","start":1110.29,"end":1110.45,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.007815688848495483},{"word":"you","start":1110.45,"end":1110.53,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02213813364505768},{"word":"think","start":1110.53,"end":1110.77,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.02137688174843788},{"word":"it'd","start":1110.77,"end":1111.01,"confidence":0.8300781,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":0.03763764351606369},{"word":"be","start":1111.01,"end":1111.33,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04304811358451843},{"word":"more","start":1111.33,"end":1111.57,"confidence":0.9970703,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.02600979059934616},{"word":"on","start":1111.57,"end":1111.73,"confidence":0.8676758,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06085364520549774},{"word":"the","start":1111.73,"end":1111.97,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03480540215969086},{"word":"one","start":1111.97,"end":1112.37,"confidence":0.98217773,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.02566169947385788},{"word":"two","start":1112.37,"end":1112.85,"confidence":0.9975586,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.034602340310811996},{"word":"three","start":1112.85,"end":1113.25,"confidence":0.9746094,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":0.03227198123931885},{"word":"or","start":1113.25,"end":1113.41,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04117300361394882},{"word":"right","start":1113.41,"end":1113.65,"confidence":0.97509766,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.07393716275691986},{"word":"up","start":1113.65,"end":1113.8099,"confidence":0.88183594,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.018576279282569885},{"word":"near","start":1113.8099,"end":1114.21,"confidence":0.8027344,"punctuated_word":"near","sentiment":"neutral","sentiment_score":0.02033814787864685},{"word":"five","start":1114.21,"end":1114.53,"confidence":0.8701172,"punctuated_word":"five?","sentiment":"neutral","sentiment_score":0.00472060963511467},{"word":"where","start":1114.53,"end":1114.77,"confidence":0.9980469,"punctuated_word":"Where","sentiment":"neutral","sentiment_score":-0.010962065309286118},{"word":"do","start":1114.77,"end":1114.85,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.007006946951150894},{"word":"you","start":1114.85,"end":1115.01,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011262182146310806},{"word":"think","start":1115.01,"end":1115.33,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0039260610938072205},{"word":"you'd","start":1115.33,"end":1115.57,"confidence":0.81469727,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.0009988099336624146},{"word":"feel","start":1115.57,"end":1116.07,"confidence":0.9980469,"punctuated_word":"feel?","sentiment":"neutral","sentiment_score":-0.0029500480741262436},{"word":"the","start":1121.135,"end":1121.295,"confidence":0.28173828,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0043223462998867035},{"word":"about","start":1121.375,"end":1121.615,"confidence":0.88427734,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.007970621809363365},{"word":"a","start":1121.615,"end":1121.775,"confidence":0.9589844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01199848297983408},{"word":"three","start":1121.775,"end":1122.275,"confidence":0.9291992,"punctuated_word":"three?","sentiment":"neutral","sentiment_score":0.016443166881799698},{"word":"yep","start":1122.335,"end":1122.835,"confidence":0.9589844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.054493945091962814},{"word":"okay","start":1127.055,"end":1127.555,"confidence":0.9812012,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06578022241592407},{"word":"how","start":1127.935,"end":1128.175,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.056501083076000214},{"word":"about","start":1128.175,"end":1128.415,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07322248071432114},{"word":"yourself","start":1128.415,"end":1128.8151,"confidence":0.99902344,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.08465549349784851},{"word":"there","start":1128.8151,"end":1128.975,"confidence":0.9897461,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.08686670660972595},{"word":"frank","start":1128.975,"end":1129.295,"confidence":0.99609375,"punctuated_word":"Frank?","sentiment":"neutral","sentiment_score":0.09144079685211182},{"word":"where","start":1129.295,"end":1129.535,"confidence":0.96875,"punctuated_word":"Where","sentiment":"neutral","sentiment_score":0.04072846472263336},{"word":"do","start":1129.535,"end":1129.615,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0411425456404686},{"word":"you","start":1129.615,"end":1129.695,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06588391959667206},{"word":"think","start":1129.695,"end":1129.935,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04716926068067551},{"word":"you","start":1129.935,"end":1130.175,"confidence":0.9770508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04627190530300141},{"word":"might","start":1130.175,"end":1130.415,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.06069521978497505},{"word":"fit","start":1130.415,"end":1130.915,"confidence":0.99658203,"punctuated_word":"fit?","sentiment":"neutral","sentiment_score":0.06766252219676971},{"word":"about","start":1133.7101,"end":1134.03,"confidence":0.98828125,"punctuated_word":"About","sentiment":"neutral","sentiment_score":0.03003581427037716},{"word":"a","start":1134.03,"end":1134.11,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.031029019504785538},{"word":"three","start":1134.11,"end":1134.51,"confidence":0.8815918,"punctuated_word":"three?","sentiment":"neutral","sentiment_score":0.04932418838143349},{"word":"yep","start":1134.51,"end":1135.01,"confidence":0.873291,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2335759401321411},{"word":"beautiful","start":1135.0701,"end":1135.5701,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5569418668746948},{"word":"and","start":1136.67,"end":1137.15,"confidence":0.7885742,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.20847448706626892},{"word":"frank","start":1137.15,"end":1137.55,"confidence":0.9941406,"punctuated_word":"Frank,","sentiment":"neutral","sentiment_score":0.1629573106765747},{"word":"do","start":1137.55,"end":1137.7101,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0784594863653183},{"word":"you","start":1137.7101,"end":1137.79,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1233142465353012},{"word":"think","start":1137.79,"end":1137.9501,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.032647181302309036},{"word":"you'll","start":1137.9501,"end":1138.1901,"confidence":0.97753906,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.04922591894865036},{"word":"be","start":1138.1901,"end":1138.35,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04256369173526764},{"word":"wanting","start":1138.35,"end":1138.67,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.016762472689151764},{"word":"to","start":1138.67,"end":1138.8301,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.046475376933813095},{"word":"start","start":1138.8301,"end":1139.15,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.060673173516988754},{"word":"trying","start":1139.15,"end":1139.47,"confidence":0.9970703,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.06614653766155243},{"word":"to","start":1139.47,"end":1139.63,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08634652197360992},{"word":"maybe","start":1139.63,"end":1140.03,"confidence":0.97314453,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.10905127227306366},{"word":"access","start":1140.03,"end":1140.35,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.11107418686151505},{"word":"some","start":1140.35,"end":1140.59,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09828484803438188},{"word":"of","start":1140.59,"end":1140.67,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10171595215797424},{"word":"your","start":1140.67,"end":1140.99,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10149897634983064},{"word":"super","start":1140.99,"end":1141.39,"confidence":0.8569336,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.19083929061889648},{"word":"before","start":1141.39,"end":1141.79,"confidence":0.9086914,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.02363322675228119},{"word":"robin","start":1141.79,"end":1142.1901,"confidence":0.9580078,"punctuated_word":"Robin","sentiment":"neutral","sentiment_score":0.06139292195439339},{"word":"does","start":1142.1901,"end":1142.51,"confidence":0.9838867,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.02515608072280884},{"word":"turn","start":1142.51,"end":1142.91,"confidence":0.98095703,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.06456613540649414},{"word":"67","start":1142.91,"end":1143.55,"confidence":0.93408203,"punctuated_word":"67,","sentiment":"neutral","sentiment_score":0.02983000874519348},{"word":"or","start":1143.55,"end":1143.7101,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.015049651265144348},{"word":"do","start":1143.7101,"end":1143.79,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.015486910939216614},{"word":"you","start":1143.79,"end":1143.9501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007793981581926346},{"word":"think","start":1143.9501,"end":1144.11,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.02255376428365707},{"word":"you're","start":1144.11,"end":1144.35,"confidence":0.99072266,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.02304234728217125},{"word":"gonna","start":1144.35,"end":1144.59,"confidence":0.9790039,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03378991782665253},{"word":"try","start":1144.59,"end":1144.8301,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.05342259258031845},{"word":"and","start":1144.8301,"end":1144.99,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03349532186985016},{"word":"hold","start":1144.99,"end":1145.23,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.029679395258426663},{"word":"off","start":1145.23,"end":1145.39,"confidence":0.99609375,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.03267745301127434},{"word":"a","start":1145.39,"end":1145.47,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.037910010665655136},{"word":"bit","start":1145.47,"end":1145.7101,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.048723191022872925},{"word":"longer","start":1145.7101,"end":1146.2101,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.060917071998119354},{"word":"and","start":1146.645,"end":1146.885,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.028224360197782516},{"word":"see","start":1146.885,"end":1147.045,"confidence":0.9484863,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":-0.004309859126806259},{"word":"you","start":1147.045,"end":1147.285,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004727169871330261},{"word":"know","start":1147.285,"end":1147.525,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.020753219723701477},{"word":"what","start":1147.525,"end":1148.025,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02773930132389069},{"word":"the","start":1148.245,"end":1148.485,"confidence":0.88671875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0029246658086776733},{"word":"both","start":1148.485,"end":1148.725,"confidence":0.875,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.008893400430679321},{"word":"of","start":1148.725,"end":1148.805,"confidence":0.97314453,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01531684398651123},{"word":"you","start":1148.805,"end":1148.9651,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010849591344594955},{"word":"being","start":1148.9651,"end":1149.125,"confidence":0.79248047,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.004058919847011566},{"word":"on","start":1149.125,"end":1149.365,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.010433968156576157},{"word":"age","start":1149.365,"end":1149.605,"confidence":0.9316406,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.004062708467245102},{"word":"pension","start":1149.605,"end":1150.005,"confidence":0.9951172,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.007641196250915527},{"word":"looks","start":1150.005,"end":1150.3251,"confidence":0.9941406,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":-0.009337101131677628},{"word":"like","start":1150.3251,"end":1150.8251,"confidence":0.7895508,"punctuated_word":"like?","sentiment":"neutral","sentiment_score":-0.01674913801252842},{"word":"try","start":1154.645,"end":1154.885,"confidence":0.97802734,"punctuated_word":"Try","sentiment":"neutral","sentiment_score":-0.13454478979110718},{"word":"and","start":1154.885,"end":1155.045,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10797860473394394},{"word":"hold","start":1155.045,"end":1155.2051,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.07853827625513077},{"word":"off","start":1155.2051,"end":1155.285,"confidence":0.98535156,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.09696544706821442},{"word":"a","start":1155.285,"end":1155.4451,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06992685794830322},{"word":"bit","start":1155.4451,"end":1155.605,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05758068710565567},{"word":"longer","start":1155.605,"end":1156.105,"confidence":0.6912842,"punctuated_word":"longer,","sentiment":"neutral","sentiment_score":-0.08068201690912247},{"word":"sort","start":1156.245,"end":1156.485,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.05764196068048477},{"word":"of","start":1156.485,"end":1156.645,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06297706067562103},{"word":"maybe","start":1156.645,"end":1157.045,"confidence":0.8510742,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.0560736209154129},{"word":"living","start":1157.045,"end":1157.365,"confidence":0.94628906,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.03927602618932724},{"word":"on","start":1157.365,"end":1157.525,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06517688930034637},{"word":"the","start":1157.525,"end":1157.685,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04478125274181366},{"word":"age","start":1157.685,"end":1157.845,"confidence":0.9970703,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.01334814727306366},{"word":"pension","start":1157.845,"end":1158.3251,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":-0.02285122126340866},{"word":"fully","start":1158.3251,"end":1158.645,"confidence":0.99902344,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.0004411041736602783},{"word":"and","start":1158.645,"end":1158.885,"confidence":0.90478516,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.042587943375110626},{"word":"then","start":1158.885,"end":1159.045,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.022164709866046906},{"word":"just","start":1159.045,"end":1159.365,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07853584736585617},{"word":"drawing","start":1159.365,"end":1159.685,"confidence":0.9921875,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":-0.038375407457351685},{"word":"down","start":1159.685,"end":1160.005,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.02307123690843582},{"word":"income","start":1160.005,"end":1160.485,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.09319279342889786},{"word":"as","start":1160.485,"end":1160.725,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.015331476926803589},{"word":"you","start":1160.725,"end":1160.885,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.038971491158008575},{"word":"need","start":1160.885,"end":1161.125,"confidence":0.9951172,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.01750025898218155},{"word":"it","start":1161.125,"end":1161.285,"confidence":0.8623047,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.025174643844366074},{"word":"is","start":1161.285,"end":1161.365,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.049802348017692566},{"word":"that","start":1161.365,"end":1161.605,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0502738393843174},{"word":"sort","start":1161.605,"end":1161.845,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.002425283193588257},{"word":"of","start":1161.845,"end":1161.925,"confidence":0.56591797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03745801001787186},{"word":"how","start":1161.925,"end":1162.0851,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.013643398880958555},{"word":"you","start":1162.0851,"end":1162.26,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03303036093711853},{"word":"see","start":1162.26,"end":1162.42,"confidence":0.96777344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.024418052285909653},{"word":"your","start":1162.42,"end":1162.74,"confidence":0.9770508,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.027318619191646576},{"word":"super","start":1162.74,"end":1163.22,"confidence":0.95214844,"punctuated_word":"super?","sentiment":"neutral","sentiment_score":0.05975557118654251},{"word":"is","start":1163.22,"end":1163.38,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.051322367042303085},{"word":"that","start":1163.38,"end":1163.54,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07315191626548767},{"word":"right","start":1163.54,"end":1164.04,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.0436926893889904},{"word":"yeah","start":1166.9,"end":1167.3,"confidence":0.97387695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04143894091248512},{"word":"yep","start":1167.3,"end":1167.62,"confidence":0.92041016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04418229311704635},{"word":"that's","start":1167.62,"end":1167.86,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.059640124440193176},{"word":"okay","start":1167.86,"end":1168.36,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.06388985365629196},{"word":"yeah","start":1173.9401,"end":1174.4401,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01629699021577835},{"word":"yeah","start":1174.755,"end":1175.255,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02327008917927742},{"word":"when","start":1175.475,"end":1175.795,"confidence":0.9921875,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.023859642446041107},{"word":"you","start":1175.795,"end":1176.035,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03654780983924866},{"word":"do","start":1176.035,"end":1176.535,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03674894571304321},{"word":"go","start":1176.835,"end":1176.995,"confidence":0.80566406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.028552327305078503},{"word":"on","start":1176.995,"end":1177.155,"confidence":0.9086914,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.028367239981889725},{"word":"to","start":1177.155,"end":1177.395,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016214575618505478},{"word":"age","start":1177.395,"end":1177.635,"confidence":0.63378906,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.011958278715610504},{"word":"pension","start":1177.635,"end":1178.035,"confidence":0.9770508,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.02694500982761383},{"word":"there","start":1178.035,"end":1178.275,"confidence":0.98046875,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.030560459941625595},{"word":"robin","start":1178.275,"end":1178.755,"confidence":0.97143555,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.03795176744461059},{"word":"how","start":1178.755,"end":1178.995,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.019522950053215027},{"word":"much","start":1178.995,"end":1179.235,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.029262732714414597},{"word":"do","start":1179.235,"end":1179.395,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.009399544447660446},{"word":"you","start":1179.395,"end":1179.635,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.031699564307928085},{"word":"both","start":1179.635,"end":1180.115,"confidence":0.9902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.04702549800276756},{"word":"need","start":1180.115,"end":1180.615,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.04623747617006302},{"word":"realistically","start":1181.0751,"end":1181.5751,"confidence":0.88720703,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":0.03056514821946621},{"word":"to","start":1181.795,"end":1181.955,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.046634428203105927},{"word":"live","start":1181.955,"end":1182.1951,"confidence":0.9970703,"punctuated_word":"live","sentiment":"neutral","sentiment_score":0.06127997487783432},{"word":"on","start":1182.1951,"end":1182.435,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04449460655450821},{"word":"on","start":1182.435,"end":1182.675,"confidence":0.8605957,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.019454097375273705},{"word":"say","start":1182.675,"end":1182.915,"confidence":0.9970703,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.027864420786499977},{"word":"a","start":1182.915,"end":1183.0751,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.045923858880996704},{"word":"weekly","start":1183.0751,"end":1183.475,"confidence":0.99902344,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.04475817084312439},{"word":"or","start":1183.475,"end":1183.635,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.030609186738729477},{"word":"fortnightly","start":1183.635,"end":1184.135,"confidence":0.99902344,"punctuated_word":"fortnightly","sentiment":"neutral","sentiment_score":0.02498607337474823},{"word":"basis","start":1184.275,"end":1184.775,"confidence":0.9980469,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.04822922497987747},{"word":"to","start":1184.835,"end":1185.0751,"confidence":0.9326172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03351138159632683},{"word":"for","start":1185.155,"end":1185.395,"confidence":0.9760742,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.034928273409605026},{"word":"living","start":1185.395,"end":1185.715,"confidence":0.98535156,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.02144162356853485},{"word":"expenses","start":1185.715,"end":1186.1951,"confidence":0.94677734,"punctuated_word":"expenses?","sentiment":"neutral","sentiment_score":0.046075910329818726},{"word":"how","start":1186.1951,"end":1186.355,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.00846325233578682},{"word":"much","start":1186.355,"end":1186.515,"confidence":0.99902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.012371357530355452},{"word":"do","start":1186.515,"end":1186.675,"confidence":0.9716797,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.006912369281053543},{"word":"you","start":1186.675,"end":1186.755,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013771038502454758},{"word":"both","start":1186.755,"end":1186.995,"confidence":0.99609375,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.024983257055282593},{"word":"need","start":1186.995,"end":1187.155,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.010991543531417848},{"word":"to","start":1187.155,"end":1187.3151,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012266792356967926},{"word":"earn","start":1187.3151,"end":1187.555,"confidence":0.9970703,"punctuated_word":"earn","sentiment":"neutral","sentiment_score":0.015300773084163666},{"word":"together","start":1187.555,"end":1188.055,"confidence":0.99902344,"punctuated_word":"together?","sentiment":"neutral","sentiment_score":-0.005254652351140976},{"word":"okay","start":1195.51,"end":1196.01,"confidence":0.9797363,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.048167478293180466},{"word":"yep","start":1196.39,"end":1196.89,"confidence":0.9746094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.038911622017621994},{"word":"okay","start":1201.365,"end":1201.865,"confidence":0.96972656,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.04374929517507553},{"word":"not","start":1205.125,"end":1205.525,"confidence":0.99316406,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.2451929003000259},{"word":"quite","start":1205.525,"end":1206.005,"confidence":0.98950195,"punctuated_word":"quite.","sentiment":"neutral","sentiment_score":-0.1656363606452942},{"word":"no","start":1206.005,"end":1206.485,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14318355917930603},{"word":"do","start":1206.485,"end":1206.645,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.1477169245481491},{"word":"you","start":1206.645,"end":1206.885,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12071935832500458},{"word":"think","start":1206.885,"end":1207.125,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.13472497463226318},{"word":"you'll","start":1207.125,"end":1207.4451,"confidence":0.9995117,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":-0.1168503612279892},{"word":"need","start":1207.4451,"end":1207.765,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.09264910221099854},{"word":"to","start":1207.765,"end":1208.005,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.095525324344635},{"word":"when","start":1208.005,"end":1208.165,"confidence":0.5371094,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.08015111088752747},{"word":"you","start":1208.165,"end":1208.665,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08694247901439667},{"word":"do","start":1208.885,"end":1209.125,"confidence":0.8183594,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.10563009977340698},{"word":"retire","start":1209.125,"end":1209.605,"confidence":0.9941406,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":-0.05415305495262146},{"word":"fully","start":1209.605,"end":1209.925,"confidence":0.9741211,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":-0.05159143730998039},{"word":"need","start":1209.925,"end":1210.165,"confidence":0.5883789,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.09029579162597656},{"word":"to","start":1210.165,"end":1210.3251,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08768901228904724},{"word":"still","start":1210.3251,"end":1210.5651,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.08699114620685577},{"word":"earn","start":1210.5651,"end":1210.885,"confidence":0.9970703,"punctuated_word":"earn","sentiment":"neutral","sentiment_score":-0.05893506109714508},{"word":"$2,000","start":1210.885,"end":1211.845,"confidence":0.99975586,"punctuated_word":"$2,000","sentiment":"neutral","sentiment_score":-0.02481069043278694},{"word":"on","start":1211.845,"end":1211.925,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.059686072170734406},{"word":"a","start":1211.925,"end":1212.0851,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07557488232851028},{"word":"fortnightly","start":1212.0851,"end":1212.5851,"confidence":0.9980469,"punctuated_word":"fortnightly","sentiment":"neutral","sentiment_score":-0.0767001062631607},{"word":"basis","start":1212.645,"end":1213.045,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":-0.03016391769051552},{"word":"together","start":1213.045,"end":1213.545,"confidence":0.78515625,"punctuated_word":"together?","sentiment":"neutral","sentiment_score":-0.10157956928014757},{"word":"or","start":1213.605,"end":1214.105,"confidence":0.98291016,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.10072267055511476},{"word":"not","start":1216.8999,"end":1217.14,"confidence":0.6074219,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09532972425222395},{"word":"sure","start":1217.14,"end":1217.64,"confidence":0.88916016,"punctuated_word":"sure?","sentiment":"neutral","sentiment_score":-0.09060722589492798},{"word":"did","start":1217.7799,"end":1218.0199,"confidence":0.9941406,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.085990309715271},{"word":"you","start":1218.0199,"end":1218.1799,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07679373025894165},{"word":"want","start":1218.1799,"end":1218.34,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.06790803372859955},{"word":"me","start":1218.34,"end":1218.5,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.06307821720838547},{"word":"to","start":1218.5,"end":1218.6599,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04687413573265076},{"word":"factor","start":1218.6599,"end":1219.14,"confidence":0.9941406,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":-0.0035260990262031555},{"word":"that","start":1219.14,"end":1219.38,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05358743667602539},{"word":"in","start":1219.38,"end":1219.7,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.017977673560380936},{"word":"as","start":1219.7,"end":1220.0199,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.018849968910217285},{"word":"the","start":1220.0199,"end":1220.26,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04262116551399231},{"word":"income","start":1220.26,"end":1220.58,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.00984141230583191},{"word":"that","start":1220.58,"end":1220.74,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03438732773065567},{"word":"you","start":1220.74,"end":1220.8999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05332157760858536},{"word":"do","start":1220.8999,"end":1221.14,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05948565527796745},{"word":"need","start":1221.14,"end":1221.38,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.04148033261299133},{"word":"to","start":1221.38,"end":1221.5399,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07037181407213211},{"word":"survive","start":1221.5399,"end":1221.94,"confidence":1.0,"punctuated_word":"survive","sentiment":"neutral","sentiment_score":-0.06388804316520691},{"word":"on","start":1221.94,"end":1222.44,"confidence":0.99853516,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":-0.03514824062585831},{"word":"yeah","start":1225.94,"end":1226.44,"confidence":0.8186035,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08047553896903992},{"word":"yeah","start":1234.355,"end":1234.855,"confidence":0.982666,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.024794412776827812},{"word":"yeah","start":1239.8099,"end":1240.3099,"confidence":0.7961426,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05687816068530083},{"word":"do","start":1241.49,"end":1241.73,"confidence":0.890625,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.08318491280078888},{"word":"you","start":1241.73,"end":1241.8099,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.056090958416461945},{"word":"think","start":1241.8099,"end":1242.0499,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.06126415729522705},{"word":"you","start":1242.0499,"end":1242.21,"confidence":0.9770508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.057056181132793427},{"word":"might","start":1242.21,"end":1242.45,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.07366423308849335},{"word":"need","start":1242.45,"end":1242.69,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.07211724668741226},{"word":"a","start":1242.69,"end":1242.85,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06475478410720825},{"word":"little","start":1242.85,"end":1243.09,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.07352064549922943},{"word":"bit","start":1243.09,"end":1243.25,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08575917035341263},{"word":"more","start":1243.25,"end":1243.49,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.06874549388885498},{"word":"on","start":1243.49,"end":1243.65,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06008070707321167},{"word":"a","start":1243.65,"end":1243.89,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08059194684028625},{"word":"fortnightly","start":1243.89,"end":1244.37,"confidence":0.9975586,"punctuated_word":"fortnightly","sentiment":"neutral","sentiment_score":-0.08213178813457489},{"word":"basis","start":1244.37,"end":1244.85,"confidence":0.9980469,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":-0.03565334156155586},{"word":"to","start":1244.85,"end":1245.01,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06065941974520683},{"word":"sort","start":1245.01,"end":1245.17,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.05720482021570206},{"word":"of","start":1245.17,"end":1245.33,"confidence":0.5942383,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04991308972239494},{"word":"help","start":1245.33,"end":1245.57,"confidence":0.99902344,"punctuated_word":"help","sentiment":"neutral","sentiment_score":-0.04654289782047272},{"word":"cover","start":1245.57,"end":1245.89,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.015361510217189789},{"word":"those","start":1245.89,"end":1246.13,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.052210718393325806},{"word":"things","start":1246.13,"end":1246.37,"confidence":0.89086914,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.06232850253582001},{"word":"or","start":1246.37,"end":1246.53,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.11673340201377869},{"word":"are","start":1246.53,"end":1246.61,"confidence":0.94628906,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.09417666494846344},{"word":"you","start":1246.61,"end":1246.9299,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0839606449007988},{"word":"fairly","start":1246.9299,"end":1247.25,"confidence":0.984375,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":-0.06051179766654968},{"word":"comfortable","start":1247.25,"end":1247.75,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.10903054475784302},{"word":"that","start":1247.89,"end":1248.29,"confidence":0.80615234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1261250525712967},{"word":"you","start":1248.29,"end":1248.53,"confidence":0.9760742,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09631842374801636},{"word":"should","start":1248.53,"end":1248.69,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.1268627643585205},{"word":"be","start":1248.69,"end":1248.85,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13483427464962006},{"word":"right","start":1248.85,"end":1249.01,"confidence":0.9921875,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.1469282507896423},{"word":"on","start":1249.01,"end":1249.25,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.11841541528701782},{"word":"$2,000","start":1249.25,"end":1249.97,"confidence":0.87609863,"punctuated_word":"$2,000","sentiment":"neutral","sentiment_score":-0.06972458958625793},{"word":"a","start":1249.97,"end":1250.0499,"confidence":0.94921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09942172467708588},{"word":"fortnight","start":1250.0499,"end":1250.45,"confidence":0.99902344,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":-0.10647165775299072},{"word":"to","start":1250.45,"end":1250.61,"confidence":0.4025879,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1303955465555191},{"word":"say","start":1250.61,"end":1250.77,"confidence":0.8803711,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.08738027513027191},{"word":"a","start":1250.77,"end":1250.85,"confidence":0.87158203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06766310334205627},{"word":"thousand","start":1250.85,"end":1251.17,"confidence":0.99902344,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.05744509771466255},{"word":"dollars","start":1251.17,"end":1251.41,"confidence":0.9970703,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.03649415820837021},{"word":"a","start":1251.41,"end":1251.57,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06460502743721008},{"word":"week","start":1251.57,"end":1252.07,"confidence":0.99658203,"punctuated_word":"week?","sentiment":"neutral","sentiment_score":-0.07540176808834076},{"word":"not","start":1259.215,"end":1259.5349,"confidence":0.9838867,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.1063932478427887},{"word":"sure","start":1259.5349,"end":1259.775,"confidence":0.8432617,"punctuated_word":"sure?","sentiment":"neutral","sentiment_score":-0.11971302330493928},{"word":"that's","start":1259.775,"end":1260.1749,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.04741455242037773},{"word":"okay","start":1260.1749,"end":1260.6749,"confidence":0.9921875,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.010686296969652176},{"word":"because","start":1260.735,"end":1261.135,"confidence":0.97802734,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.006723903119564056},{"word":"if","start":1261.135,"end":1261.2949,"confidence":0.94628906,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0402417853474617},{"word":"you","start":1261.2949,"end":1261.455,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03287072852253914},{"word":"like","start":1261.455,"end":1261.615,"confidence":0.8220215,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05854376032948494},{"word":"what","start":1261.615,"end":1261.855,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04408590495586395},{"word":"i","start":1261.855,"end":1261.9349,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06900829076766968},{"word":"could","start":1261.9349,"end":1262.095,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.07792818546295166},{"word":"do","start":1262.095,"end":1262.255,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08997224271297455},{"word":"with","start":1262.255,"end":1262.4149,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09255105257034302},{"word":"this","start":1262.4149,"end":1262.655,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.09031202644109726},{"word":"advice","start":1262.655,"end":1263.0549,"confidence":0.9350586,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.05058300495147705},{"word":"piece","start":1263.0549,"end":1263.2949,"confidence":0.7060547,"punctuated_word":"piece","sentiment":"neutral","sentiment_score":0.09778927266597748},{"word":"for","start":1263.2949,"end":1263.455,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09715929627418518},{"word":"you","start":1263.455,"end":1263.615,"confidence":0.9628906,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.06560442596673965},{"word":"we'll","start":1263.615,"end":1263.9349,"confidence":0.99853516,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.09655962884426116},{"word":"look","start":1263.9349,"end":1264.095,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06343553960323334},{"word":"at","start":1264.095,"end":1264.255,"confidence":0.91381836,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.04842347651720047},{"word":"you","start":1264.255,"end":1264.335,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.032900307327508926},{"word":"know","start":1264.335,"end":1264.495,"confidence":0.99365234,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03207475692033768},{"word":"you","start":1264.495,"end":1264.655,"confidence":0.96777344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05247325822710991},{"word":"making","start":1264.815,"end":1265.215,"confidence":0.93115234,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.04070684686303139},{"word":"sure","start":1265.215,"end":1265.455,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0369291789829731},{"word":"we","start":1265.455,"end":1265.73,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06309747695922852},{"word":"retain","start":1265.97,"end":1266.21,"confidence":0.99121094,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.021785907447338104},{"word":"your","start":1266.21,"end":1266.37,"confidence":0.96972656,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.012887448072433472},{"word":"supers","start":1266.37,"end":1266.77,"confidence":0.48345947,"punctuated_word":"supers,","sentiment":"neutral","sentiment_score":0.044545263051986694},{"word":"but","start":1266.77,"end":1267.01,"confidence":0.96435547,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04125969111919403},{"word":"maybe","start":1267.01,"end":1267.33,"confidence":0.9951172,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.04674327373504639},{"word":"look","start":1267.33,"end":1267.49,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04051632806658745},{"word":"at","start":1267.49,"end":1267.65,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.046937618404626846},{"word":"the","start":1267.65,"end":1267.89,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.050609029829502106},{"word":"investments","start":1267.89,"end":1268.29,"confidence":0.9980469,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.005300536751747131},{"word":"within","start":1268.29,"end":1268.69,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.03663685545325279},{"word":"that","start":1268.69,"end":1269.01,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.031435996294021606},{"word":"to","start":1269.01,"end":1269.25,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0447041317820549},{"word":"make","start":1269.25,"end":1269.41,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.044838231056928635},{"word":"sure","start":1269.41,"end":1269.65,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.05014064908027649},{"word":"that","start":1269.65,"end":1269.8099,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07573460042476654},{"word":"you're","start":1269.8099,"end":1269.97,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04717388749122619},{"word":"in","start":1269.97,"end":1270.21,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.003146946430206299},{"word":"a","start":1270.21,"end":1270.29,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02932443469762802},{"word":"certain","start":1270.29,"end":1270.69,"confidence":1.0,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":-0.003206983208656311},{"word":"risk","start":1270.69,"end":1271.01,"confidence":0.99609375,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.0412844717502594},{"word":"profile","start":1271.01,"end":1271.33,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":-0.01593257486820221},{"word":"that's","start":1271.33,"end":1271.65,"confidence":0.9909668,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.009814064018428326},{"word":"comfortable","start":1271.65,"end":1272.13,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.04055912792682648},{"word":"for","start":1272.13,"end":1272.21,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.009466104209423063},{"word":"you","start":1272.21,"end":1272.45,"confidence":0.87231445,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.01972782239317894},{"word":"that","start":1272.45,"end":1272.61,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.057822637259960175},{"word":"the","start":1272.61,"end":1272.77,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04596351832151413},{"word":"returns","start":1272.77,"end":1273.27,"confidence":0.9902344,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":0.05440951883792877},{"word":"you","start":1273.57,"end":1273.73,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02783537656068802},{"word":"know","start":1273.73,"end":1274.0499,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.014547720551490784},{"word":"are","start":1274.0499,"end":1274.21,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.023899167776107788},{"word":"working","start":1274.21,"end":1274.71,"confidence":0.99194336,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":0.018986478447914124},{"word":"but","start":1275.25,"end":1275.41,"confidence":0.6557617,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03830882906913757},{"word":"then","start":1275.41,"end":1275.65,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04749489948153496},{"word":"i","start":1275.65,"end":1275.8099,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06371431052684784},{"word":"can","start":1275.8099,"end":1275.97,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06556575000286102},{"word":"also","start":1275.97,"end":1276.45,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06295361369848251},{"word":"factor","start":1276.45,"end":1276.9299,"confidence":0.99316406,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.06684761494398117},{"word":"in","start":1276.9299,"end":1277.41,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0691811591386795},{"word":"based","start":1277.41,"end":1277.65,"confidence":0.70654297,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.059789858758449554},{"word":"on","start":1277.65,"end":1277.8099,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05952201038599014},{"word":"the","start":1277.8099,"end":1277.97,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03242415189743042},{"word":"current","start":1277.97,"end":1278.29,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.01945732533931732},{"word":"because","start":1278.61,"end":1278.9299,"confidence":0.8364258,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.035549141466617584},{"word":"obviously","start":1278.9299,"end":1279.33,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.049880217760801315},{"word":"age","start":1279.33,"end":1279.57,"confidence":0.88427734,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.011030305176973345},{"word":"pension","start":1279.57,"end":1279.97,"confidence":0.984375,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.02741861343383789},{"word":"does","start":1279.97,"end":1280.29,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.031792495399713516},{"word":"increase","start":1280.29,"end":1280.69,"confidence":0.99902344,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.026307247579097748},{"word":"in","start":1280.69,"end":1280.9299,"confidence":0.9267578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01106557995080948},{"word":"ulta","start":1280.9299,"end":1281.4299,"confidence":0.70092773,"punctuated_word":"Ulta","sentiment":"neutral","sentiment_score":-0.0019512276630848648},{"word":"and","start":1281.635,"end":1281.9551,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.024041324853897095},{"word":"is","start":1281.9551,"end":1282.1951,"confidence":0.98828125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02138647809624672},{"word":"indexed","start":1282.1951,"end":1282.675,"confidence":0.99609375,"punctuated_word":"indexed","sentiment":"neutral","sentiment_score":0.02049428783357143},{"word":"every","start":1282.675,"end":1282.995,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.013340923935174942},{"word":"year","start":1282.995,"end":1283.2351,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.013222847133874891},{"word":"twice","start":1283.2351,"end":1283.555,"confidence":0.5703125,"punctuated_word":"twice","sentiment":"neutral","sentiment_score":0.013484545052051544},{"word":"a","start":1283.555,"end":1283.795,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006651313975453377},{"word":"year","start":1283.795,"end":1284.295,"confidence":0.91186523,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.009899474680423737},{"word":"so","start":1284.3551,"end":1284.515,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02791043370962143},{"word":"we","start":1284.515,"end":1284.675,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04123274236917496},{"word":"are","start":1284.675,"end":1284.8351,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.049739088863134384},{"word":"working","start":1284.8351,"end":1285.155,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.05981922522187233},{"word":"on","start":1285.155,"end":1285.3151,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.059253990650177},{"word":"the","start":1285.3151,"end":1285.4751,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03512119501829147},{"word":"current","start":1285.4751,"end":1285.9551,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.02115407958626747},{"word":"scenario","start":1285.9551,"end":1286.4551,"confidence":0.8261719,"punctuated_word":"scenario,","sentiment":"neutral","sentiment_score":0.051816344261169434},{"word":"but","start":1286.675,"end":1286.995,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03076920285820961},{"word":"i","start":1286.995,"end":1287.155,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03135884180665016},{"word":"could","start":1287.155,"end":1287.635,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.041938792914152145},{"word":"then","start":1287.635,"end":1287.875,"confidence":0.9863281,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04934151843190193},{"word":"obviously","start":1287.875,"end":1288.3551,"confidence":0.60253906,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.04895412549376488},{"word":"project","start":1288.3551,"end":1288.8351,"confidence":0.9921875,"punctuated_word":"project","sentiment":"neutral","sentiment_score":0.04718078672885895},{"word":"out","start":1288.8351,"end":1289.0751,"confidence":0.8305664,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04689808934926987},{"word":"to","start":1289.0751,"end":1289.395,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.035266242921352386},{"word":"when","start":1289.395,"end":1289.555,"confidence":0.92578125,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.035172756761312485},{"word":"you're","start":1289.555,"end":1289.795,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0123238954693079},{"word":"67","start":1289.795,"end":1290.6951,"confidence":0.9494629,"punctuated_word":"67,","sentiment":"neutral","sentiment_score":0.0165104903280735},{"word":"look","start":1291.155,"end":1291.395,"confidence":0.9892578,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.007557563483715057},{"word":"at","start":1291.395,"end":1291.555,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.024951204657554623},{"word":"how","start":1291.555,"end":1291.795,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.01667347177863121},{"word":"much","start":1291.795,"end":1292.1151,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.019906118512153625},{"word":"you","start":1292.1151,"end":1292.1951,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017996422946453094},{"word":"might","start":1292.1951,"end":1292.435,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.02241027355194092},{"word":"be","start":1292.435,"end":1292.5951,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.015864428132772446},{"word":"entitled","start":1292.5951,"end":1292.995,"confidence":0.99902344,"punctuated_word":"entitled","sentiment":"neutral","sentiment_score":0.02054985612630844},{"word":"to","start":1292.995,"end":1293.395,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0020016059279441833},{"word":"age","start":1293.395,"end":1293.4751,"confidence":0.37817383,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.016533415764570236},{"word":"pension","start":1293.4751,"end":1293.9551,"confidence":0.9091797,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.0003116019070148468},{"word":"together","start":1293.9551,"end":1294.4551,"confidence":0.8215332,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.009833404794335364},{"word":"it","start":1294.915,"end":1295.0751,"confidence":0.53466797,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.05619044601917267},{"word":"should","start":1295.0751,"end":1295.395,"confidence":0.89453125,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.04455621913075447},{"word":"basically","start":1295.395,"end":1295.895,"confidence":0.95703125,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.04150481894612312},{"word":"be","start":1295.9551,"end":1296.035,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04229012131690979},{"word":"on","start":1296.035,"end":1296.1951,"confidence":0.9902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04819963127374649},{"word":"full","start":1296.1951,"end":1296.3551,"confidence":0.99609375,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.09674116969108582},{"word":"age","start":1296.3551,"end":1296.5951,"confidence":0.9790039,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.030663207173347473},{"word":"pension","start":1296.5951,"end":1296.915,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.0316479429602623},{"word":"given","start":1296.915,"end":1297.2351,"confidence":0.9658203,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.08931538462638855},{"word":"your","start":1297.2351,"end":1297.47,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.030076786875724792},{"word":"current","start":1297.5499,"end":1297.87,"confidence":0.9980469,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.025261908769607544},{"word":"assets","start":1297.87,"end":1298.37,"confidence":0.93408203,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.031827013939619064},{"word":"there","start":1298.75,"end":1299.15,"confidence":0.77124023,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.00980774313211441},{"word":"but","start":1299.15,"end":1299.3099,"confidence":0.8076172,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02377364411950111},{"word":"then","start":1299.3099,"end":1299.63,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.01605204865336418},{"word":"look","start":1299.63,"end":1299.87,"confidence":0.9770508,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.004680410027503967},{"word":"at","start":1299.87,"end":1300.11,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01685197278857231},{"word":"what","start":1300.11,"end":1300.35,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.017446625977754593},{"word":"you","start":1300.35,"end":1300.59,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013173960149288176},{"word":"might","start":1300.59,"end":1300.83,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.0009288005530834198},{"word":"need","start":1300.83,"end":1301.07,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.011580199003219604},{"word":"to","start":1301.07,"end":1301.3099,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005145728588104248},{"word":"draw","start":1301.3099,"end":1301.5499,"confidence":0.9980469,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":-0.004963338375091553},{"word":"down","start":1301.5499,"end":1301.87,"confidence":0.9921875,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.02118144929409027},{"word":"to","start":1301.87,"end":1302.11,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004431314766407013},{"word":"supplement","start":1302.11,"end":1302.61,"confidence":1.0,"punctuated_word":"supplement","sentiment":"neutral","sentiment_score":0.02842244878411293},{"word":"that","start":1302.6699,"end":1302.9099,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04575455188751221},{"word":"from","start":1302.9099,"end":1303.15,"confidence":0.9921875,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.02670383453369141},{"word":"super","start":1303.15,"end":1303.47,"confidence":0.7128906,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.04292527586221695},{"word":"and","start":1303.47,"end":1303.71,"confidence":0.92578125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.028307996690273285},{"word":"how","start":1303.71,"end":1303.95,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.017381705343723297},{"word":"long","start":1303.95,"end":1304.19,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.011410869657993317},{"word":"that","start":1304.19,"end":1304.4299,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02247326821088791},{"word":"might","start":1304.4299,"end":1304.9299,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.00974048674106598},{"word":"last","start":1305.07,"end":1305.47,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.01029699295759201},{"word":"you","start":1305.47,"end":1305.71,"confidence":0.9875488,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.04125872254371643},{"word":"did","start":1305.71,"end":1305.87,"confidence":0.99902344,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.019105777144432068},{"word":"you","start":1305.87,"end":1306.03,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03556668385863304},{"word":"want","start":1306.03,"end":1306.19,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.03724803775548935},{"word":"me","start":1306.19,"end":1306.35,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.048434942960739136},{"word":"to","start":1306.35,"end":1306.51,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03906829655170441},{"word":"factor","start":1306.51,"end":1306.9099,"confidence":0.9863281,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.05932668223977089},{"word":"that","start":1306.9099,"end":1307.07,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06863389909267426},{"word":"into","start":1307.07,"end":1307.3099,"confidence":0.9921875,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.05247394740581513},{"word":"the","start":1307.3099,"end":1307.47,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031119123101234436},{"word":"advice","start":1307.47,"end":1307.87,"confidence":0.9863281,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.01950013637542725},{"word":"and","start":1307.87,"end":1308.37,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00831405445933342},{"word":"maybe","start":1308.4299,"end":1308.75,"confidence":0.9970703,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.019538946449756622},{"word":"do","start":1308.75,"end":1308.9099,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.029065269976854324},{"word":"it","start":1308.9099,"end":1309.07,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04587874934077263},{"word":"a","start":1309.07,"end":1309.15,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02435223758220673},{"word":"little","start":1309.15,"end":1309.3099,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04049963504076004},{"word":"bit","start":1309.3099,"end":1309.5499,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0037667378783226018},{"word":"bigger","start":1309.5499,"end":1309.7899,"confidence":1.0,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":0.03262142464518547},{"word":"for","start":1309.7899,"end":1310.03,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.022067926824092865},{"word":"you","start":1310.03,"end":1310.19,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03536592796444893},{"word":"both","start":1310.19,"end":1310.69,"confidence":0.98706055,"punctuated_word":"both?","sentiment":"neutral","sentiment_score":-0.0285054799169302},{"word":"yeah","start":1312.925,"end":1313.3251,"confidence":0.87939453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2419266253709793},{"word":"that's","start":1313.3251,"end":1313.5651,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.32044312357902527},{"word":"okay","start":1313.5651,"end":1314.045,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2981494665145874},{"word":"just","start":1314.045,"end":1314.285,"confidence":0.9902344,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.2147032171487808},{"word":"give","start":1314.285,"end":1314.4451,"confidence":0.8989258,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.17465975880622864},{"word":"you","start":1314.4451,"end":1314.525,"confidence":0.98095703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24119406938552856},{"word":"a","start":1314.525,"end":1314.6051,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2159474939107895},{"word":"bit","start":1314.6051,"end":1314.8451,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1661505103111267},{"word":"of","start":1314.8451,"end":1314.925,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18110111355781555},{"word":"an","start":1314.925,"end":1315.005,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1776345670223236},{"word":"idea","start":1315.005,"end":1315.4851,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.16357383131980896},{"word":"of","start":1315.4851,"end":1315.5651,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17506298422813416},{"word":"where","start":1315.5651,"end":1316.045,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.15162381529808044},{"word":"things","start":1316.045,"end":1316.365,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.11954686790704729},{"word":"are","start":1316.365,"end":1316.6051,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1330694556236267},{"word":"tracking","start":1316.6051,"end":1317.0851,"confidence":0.9453125,"punctuated_word":"tracking,","sentiment":"neutral","sentiment_score":0.14988532662391665},{"word":"what","start":1317.0851,"end":1317.245,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13963904976844788},{"word":"it","start":1317.245,"end":1317.405,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12825724482536316},{"word":"might","start":1317.405,"end":1317.7251,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.09301730990409852},{"word":"look","start":1317.7251,"end":1317.9651,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11157827079296112},{"word":"like","start":1317.9651,"end":1318.4651,"confidence":0.9172363,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.11202548444271088},{"word":"and","start":1318.765,"end":1319.005,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11146117746829988},{"word":"then","start":1319.005,"end":1319.3251,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12710443139076233},{"word":"as","start":1319.3251,"end":1319.5651,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12509329617023468},{"word":"we","start":1319.5651,"end":1319.7251,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16127827763557434},{"word":"get","start":1319.7251,"end":1319.9651,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12105222791433334},{"word":"closer","start":1319.9651,"end":1320.365,"confidence":0.9980469,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.08743647485971451},{"word":"and","start":1320.365,"end":1320.6051,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12319986522197723},{"word":"closer","start":1320.6051,"end":1321.0851,"confidence":0.99902344,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.07619857788085938},{"word":"to","start":1321.0851,"end":1321.245,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10235510766506196},{"word":"that","start":1321.245,"end":1321.5651,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1173565536737442},{"word":"point","start":1321.5651,"end":1322.0651,"confidence":0.9980469,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.11980342119932176},{"word":"we","start":1322.685,"end":1322.8451,"confidence":0.5361328,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19893713295459747},{"word":"can","start":1322.8451,"end":1323.0851,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21144536137580872},{"word":"always","start":1323.0851,"end":1323.5851,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.23960377275943756},{"word":"update","start":1323.645,"end":1324.045,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.1786338984966278},{"word":"the","start":1324.045,"end":1324.285,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1492130160331726},{"word":"advice","start":1324.285,"end":1324.785,"confidence":0.9050293,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.1122901812195778},{"word":"and","start":1325.09,"end":1325.33,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12095455825328828},{"word":"if","start":1325.33,"end":1325.49,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12448053807020187},{"word":"we","start":1325.49,"end":1325.65,"confidence":0.7919922,"punctuated_word":"we,","sentiment":"neutral","sentiment_score":0.1149754673242569},{"word":"you","start":1325.65,"end":1325.73,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0901324599981308},{"word":"know","start":1325.73,"end":1325.97,"confidence":0.9379883,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1001291126012802},{"word":"if","start":1325.97,"end":1326.21,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09233000874519348},{"word":"age","start":1326.21,"end":1326.45,"confidence":0.9394531,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.011984750628471376},{"word":"pension","start":1326.45,"end":1326.85,"confidence":0.87841797,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.07165176421403885},{"word":"increases","start":1326.85,"end":1327.35,"confidence":0.99902344,"punctuated_word":"increases","sentiment":"neutral","sentiment_score":0.04470931738615036},{"word":"a","start":1327.73,"end":1327.89,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02475174516439438},{"word":"little","start":1327.89,"end":1328.13,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.01398789882659912},{"word":"bit","start":1328.13,"end":1328.29,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04391627013683319},{"word":"more","start":1328.29,"end":1328.79,"confidence":0.99902344,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":-0.0035662539303302765},{"word":"it","start":1328.85,"end":1329.01,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0009000599384307861},{"word":"means","start":1329.01,"end":1329.25,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.006323829293251038},{"word":"you","start":1329.25,"end":1329.33,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03839334100484848},{"word":"could","start":1329.33,"end":1329.49,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.09147673845291138},{"word":"draw","start":1329.49,"end":1329.65,"confidence":1.0,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.008340507745742798},{"word":"a","start":1329.65,"end":1329.81,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04401697963476181},{"word":"little","start":1329.81,"end":1329.97,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04396986961364746},{"word":"bit","start":1329.97,"end":1330.13,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.004130050539970398},{"word":"less","start":1330.13,"end":1330.37,"confidence":0.8647461,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.00977383553981781},{"word":"out","start":1330.37,"end":1330.53,"confidence":0.84277344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.045735642313957214},{"word":"of","start":1330.53,"end":1330.6901,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017078548669815063},{"word":"super","start":1330.6901,"end":1331.09,"confidence":0.90234375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.020055726170539856},{"word":"to","start":1331.09,"end":1331.25,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.048133134841918945},{"word":"sort","start":1331.25,"end":1331.49,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04126487672328949},{"word":"of","start":1331.49,"end":1331.73,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05831052362918854},{"word":"survive","start":1331.73,"end":1332.23,"confidence":0.8137207,"punctuated_word":"survive.","sentiment":"neutral","sentiment_score":0.08979423344135284},{"word":"and","start":1333.01,"end":1333.17,"confidence":0.9633789,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2233760356903076},{"word":"that","start":1333.17,"end":1333.5701,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20629382133483887},{"word":"can","start":1333.5701,"end":1333.81,"confidence":0.9951172,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24707753956317904},{"word":"give","start":1333.81,"end":1333.97,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2409089207649231},{"word":"you","start":1333.97,"end":1334.13,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19987329840660095},{"word":"a","start":1334.13,"end":1334.21,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19127899408340457},{"word":"little","start":1334.21,"end":1334.37,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1490909308195114},{"word":"bit","start":1334.37,"end":1334.61,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12272098660469057},{"word":"more","start":1334.61,"end":1334.77,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.10179297626018524},{"word":"longevity","start":1334.77,"end":1335.27,"confidence":0.93847656,"punctuated_word":"longevity","sentiment":"neutral","sentiment_score":0.16923277080059052},{"word":"as","start":1335.33,"end":1335.5701,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11024507135152815},{"word":"well","start":1335.5701,"end":1335.73,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09905093908309937},{"word":"does","start":1335.73,"end":1335.97,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.08298856765031815},{"word":"that","start":1335.97,"end":1336.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13583096861839294},{"word":"make","start":1336.13,"end":1336.29,"confidence":0.99316406,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09296713769435884},{"word":"sense","start":1336.29,"end":1336.61,"confidence":0.99902344,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.06990533322095871},{"word":"does","start":1336.61,"end":1336.77,"confidence":0.99609375,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.08849391341209412},{"word":"that","start":1336.77,"end":1336.93,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14781305193901062},{"word":"sound","start":1336.93,"end":1337.17,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.07519938796758652},{"word":"okay","start":1337.17,"end":1337.67,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.09931279718875884},{"word":"yep","start":1339.475,"end":1339.975,"confidence":0.71191406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18551957607269287},{"word":"beautiful","start":1340.195,"end":1340.695,"confidence":0.9980469,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6202398538589478},{"word":"lovely","start":1343.635,"end":1344.135,"confidence":0.99853516,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.5845497846603394},{"word":"now","start":1345.1549,"end":1345.475,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1876016855239868},{"word":"another","start":1345.475,"end":1345.875,"confidence":0.9819336,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.05958278849720955},{"word":"really","start":1345.875,"end":1346.115,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.044904060661792755},{"word":"good","start":1346.115,"end":1346.2749,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.09912950545549391},{"word":"question","start":1346.2749,"end":1346.6749,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.1147591769695282},{"word":"to","start":1346.6749,"end":1346.755,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023945800960063934},{"word":"kinda","start":1346.755,"end":1347.075,"confidence":0.87353516,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.04619961977005005},{"word":"go","start":1347.075,"end":1347.235,"confidence":0.9658203,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0474313385784626},{"word":"through","start":1347.235,"end":1347.475,"confidence":0.7836914,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10086309164762496},{"word":"when","start":1347.475,"end":1347.635,"confidence":0.5883789,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.09340637922286989},{"word":"we","start":1347.635,"end":1347.7949,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07281135022640228},{"word":"are","start":1347.7949,"end":1347.955,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07987964153289795},{"word":"looking","start":1347.955,"end":1348.2749,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.09864316880702972},{"word":"at","start":1348.2749,"end":1348.355,"confidence":0.9838867,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0862012729048729},{"word":"the","start":1348.355,"end":1348.515,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08918006718158722},{"word":"portfolios","start":1348.515,"end":1349.015,"confidence":0.7717285,"punctuated_word":"portfolios,","sentiment":"neutral","sentiment_score":0.04647468775510788},{"word":"one","start":1349.635,"end":1349.875,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.02764126658439636},{"word":"of","start":1349.875,"end":1349.955,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06522071361541748},{"word":"the","start":1349.955,"end":1350.115,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05179138854146004},{"word":"biggest","start":1350.115,"end":1350.4349,"confidence":0.99902344,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.06787625700235367},{"word":"ones","start":1350.4349,"end":1350.755,"confidence":0.9921875,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.06140918284654617},{"word":"i","start":1350.755,"end":1350.9149,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.033845577389001846},{"word":"do","start":1350.9149,"end":1351.075,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06787171959877014},{"word":"like","start":1351.075,"end":1351.235,"confidence":0.9819336,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0452578067779541},{"word":"to","start":1351.235,"end":1351.3949,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.051044076681137085},{"word":"think","start":1351.3949,"end":1351.635,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.06868727505207062},{"word":"about","start":1351.635,"end":1351.955,"confidence":0.99121094,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06109507381916046},{"word":"and","start":1351.955,"end":1352.195,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013673588633537292},{"word":"ask","start":1352.195,"end":1352.595,"confidence":0.9980469,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.041325245052576065},{"word":"is","start":1352.595,"end":1352.995,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.003478720784187317},{"word":"if","start":1352.995,"end":1353.075,"confidence":0.86621094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.018016599118709564},{"word":"you","start":1353.075,"end":1353.42,"confidence":0.9013672,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0345160998404026},{"word":"saw","start":1353.5,"end":1353.66,"confidence":0.9941406,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.07253000140190125},{"word":"the","start":1353.66,"end":1353.8201,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08079753071069717},{"word":"market","start":1353.8201,"end":1354.14,"confidence":0.66748047,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.10608740150928496},{"word":"fall","start":1354.14,"end":1354.62,"confidence":0.6328125,"punctuated_word":"fall.","sentiment":"neutral","sentiment_score":-0.021623224020004272},{"word":"so","start":1354.62,"end":1355.1001,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.030406814068555832},{"word":"you've","start":1355.1001,"end":1355.42,"confidence":0.9970703,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04809305816888809},{"word":"obviously","start":1355.42,"end":1355.74,"confidence":0.98535156,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.03287695348262787},{"word":"heard","start":1355.74,"end":1356.06,"confidence":0.9951172,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":0.017925620079040527},{"word":"on","start":1356.06,"end":1356.14,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.013556398451328278},{"word":"the","start":1356.14,"end":1356.3,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029817502945661545},{"word":"news","start":1356.3,"end":1356.54,"confidence":1.0,"punctuated_word":"news","sentiment":"neutral","sentiment_score":0.0014695413410663605},{"word":"what's","start":1356.54,"end":1356.78,"confidence":0.9921875,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.011660007759928703},{"word":"been","start":1356.78,"end":1357.1001,"confidence":0.99609375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.002083729952573776},{"word":"happening","start":1357.1001,"end":1357.5,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.010413415729999542},{"word":"with","start":1357.5,"end":1357.74,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.009632963687181473},{"word":"the","start":1357.74,"end":1357.9,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.003506254404783249},{"word":"markets","start":1357.9,"end":1358.38,"confidence":0.88720703,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.014059524983167648},{"word":"over","start":1358.38,"end":1358.7001,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.006233669817447662},{"word":"the","start":1358.7001,"end":1358.86,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007594861090183258},{"word":"past","start":1358.86,"end":1359.36,"confidence":0.99658203,"punctuated_word":"past,","sentiment":"neutral","sentiment_score":-0.002456093207001686},{"word":"you","start":1359.5801,"end":1359.74,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024638108909130096},{"word":"know","start":1359.74,"end":1359.9801,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.02409990504384041},{"word":"couple","start":1359.9801,"end":1360.3,"confidence":0.94189453,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.00972088985145092},{"word":"of","start":1360.3,"end":1360.4601,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.004767060279846191},{"word":"months","start":1360.4601,"end":1360.78,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.003002207726240158},{"word":"there","start":1360.78,"end":1360.9401,"confidence":0.97314453,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.00958971492946148},{"word":"with","start":1360.9401,"end":1361.26,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.007046228274703026},{"word":"the","start":1361.26,"end":1361.5,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.007585981860756874},{"word":"us","start":1361.5,"end":1361.8201,"confidence":0.9980469,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.01778547838330269},{"word":"and","start":1361.8201,"end":1361.9801,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.029759705066680908},{"word":"the","start":1361.9801,"end":1362.06,"confidence":0.9086914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015166528522968292},{"word":"iran","start":1362.06,"end":1362.4601,"confidence":0.99902344,"punctuated_word":"Iran","sentiment":"neutral","sentiment_score":-0.033123116940259933},{"word":"war","start":1362.4601,"end":1362.7001,"confidence":0.9326172,"punctuated_word":"war","sentiment":"neutral","sentiment_score":-0.013606593012809752},{"word":"and","start":1362.7001,"end":1362.86,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02317802421748638},{"word":"everything","start":1362.86,"end":1363.3401,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.01604568213224411},{"word":"else","start":1363.3401,"end":1363.8401,"confidence":0.98999023,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":-0.0025686202570796013},{"word":"if","start":1364.14,"end":1364.3,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.01110195368528366},{"word":"you","start":1364.3,"end":1364.4601,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02020920068025589},{"word":"saw","start":1364.4601,"end":1364.7001,"confidence":0.9980469,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":0.0010095275938510897},{"word":"your","start":1364.7001,"end":1364.9401,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.005568459630012512},{"word":"super","start":1364.9401,"end":1365.3401,"confidence":0.97314453,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.0010178610682487488},{"word":"balances","start":1365.3401,"end":1365.8401,"confidence":0.8730469,"punctuated_word":"balances","sentiment":"neutral","sentiment_score":-0.02749719470739365},{"word":"fall","start":1365.9801,"end":1366.4801,"confidence":0.96875,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":-0.016394436359405518},{"word":"by","start":1366.54,"end":1366.78,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.01547342911362648},{"word":"20%","start":1366.78,"end":1367.68,"confidence":1.0,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":-0.01876567304134369},{"word":"because","start":1367.74,"end":1368.14,"confidence":0.97265625,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04019695520401001},{"word":"of","start":1368.14,"end":1368.3,"confidence":0.7319336,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.01878281868994236},{"word":"say","start":1368.3,"end":1368.62,"confidence":0.9995117,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.020104074850678444},{"word":"big","start":1368.62,"end":1368.9401,"confidence":0.9970703,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.01263578236103058},{"word":"market","start":1368.9401,"end":1369.395,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.02063630521297455},{"word":"changes","start":1369.555,"end":1369.875,"confidence":0.79003906,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":-0.010480470955371857},{"word":"how","start":1369.875,"end":1370.035,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.06388972699642181},{"word":"do","start":1370.035,"end":1370.1951,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06884895265102386},{"word":"you","start":1370.1951,"end":1370.275,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12148202955722807},{"word":"think","start":1370.275,"end":1370.515,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1668248027563095},{"word":"that","start":1370.515,"end":1370.675,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20768383145332336},{"word":"is","start":1370.675,"end":1370.835,"confidence":0.9248047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16184161603450775},{"word":"making","start":1370.835,"end":1371.235,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.15026918053627014},{"word":"you","start":1371.235,"end":1371.475,"confidence":0.9760742,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1262877881526947},{"word":"feel","start":1371.475,"end":1371.975,"confidence":1.0,"punctuated_word":"feel?","sentiment":"neutral","sentiment_score":0.13697317242622375},{"word":"are","start":1372.275,"end":1372.515,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.1990572214126587},{"word":"you","start":1372.515,"end":1372.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2392812073230743},{"word":"feeling","start":1372.675,"end":1373.0751,"confidence":1.0,"punctuated_word":"feeling","sentiment":"neutral","sentiment_score":0.25505387783050537},{"word":"optimistic","start":1373.0751,"end":1373.5751,"confidence":1.0,"punctuated_word":"optimistic","sentiment":"positive","sentiment_score":0.35704195499420166},{"word":"about","start":1373.635,"end":1373.9551,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.4326687455177307},{"word":"the","start":1373.9551,"end":1374.115,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3942846655845642},{"word":"investment","start":1374.115,"end":1374.615,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.29757586121559143},{"word":"opportunity","start":1374.675,"end":1375.175,"confidence":0.9951172,"punctuated_word":"opportunity?","sentiment":"neutral","sentiment_score":0.2365226149559021},{"word":"are","start":1375.3151,"end":1375.555,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.02426045387983322},{"word":"you","start":1375.555,"end":1375.715,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013833455741405489},{"word":"feeling","start":1375.715,"end":1376.115,"confidence":1.0,"punctuated_word":"feeling","sentiment":"neutral","sentiment_score":-0.02835413813591003},{"word":"cautious","start":1376.115,"end":1376.595,"confidence":0.98657227,"punctuated_word":"cautious,","sentiment":"neutral","sentiment_score":-0.1014215126633644},{"word":"concerned","start":1376.595,"end":1376.915,"confidence":0.9916992,"punctuated_word":"concerned,","sentiment":"neutral","sentiment_score":-0.16175130009651184},{"word":"or","start":1376.915,"end":1377.235,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.16381928324699402},{"word":"extremely","start":1377.235,"end":1377.715,"confidence":1.0,"punctuated_word":"extremely","sentiment":"neutral","sentiment_score":-0.21538145840168},{"word":"anxious","start":1377.715,"end":1378.215,"confidence":0.99902344,"punctuated_word":"anxious?","sentiment":"neutral","sentiment_score":-0.17964625358581543},{"word":"never","start":1388.6901,"end":1388.93,"confidence":0.6323242,"punctuated_word":"Never","sentiment":"negative","sentiment_score":-0.33832570910453796},{"word":"have","start":1388.93,"end":1389.17,"confidence":0.82958984,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.40148425102233887},{"word":"anything","start":1389.17,"end":1389.49,"confidence":0.9760742,"punctuated_word":"anything","sentiment":"negative","sentiment_score":-0.4158579111099243},{"word":"good","start":1389.49,"end":1389.73,"confidence":0.98535156,"punctuated_word":"good","sentiment":"negative","sentiment_score":-0.3821706175804138},{"word":"to","start":1389.73,"end":1389.89,"confidence":0.99609375,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4045204818248749},{"word":"say","start":1389.89,"end":1390.39,"confidence":0.9926758,"punctuated_word":"say.","sentiment":"neutral","sentiment_score":-0.32182836532592773},{"word":"oh","start":1394.785,"end":1394.9451,"confidence":0.8886719,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.12115989625453948},{"word":"no","start":1394.9451,"end":1395.345,"confidence":0.99902344,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.15296030044555664},{"word":"look","start":1395.345,"end":1395.745,"confidence":0.87524414,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.1253402829170227},{"word":"in","start":1395.745,"end":1395.905,"confidence":0.5800781,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.1560993790626526},{"word":"all","start":1395.905,"end":1396.0651,"confidence":0.9863281,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.17314434051513672},{"word":"honesty","start":1396.0651,"end":1396.545,"confidence":0.9851074,"punctuated_word":"honesty,","sentiment":"neutral","sentiment_score":-0.15929147601127625},{"word":"i","start":1396.545,"end":1396.7051,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2472112774848938},{"word":"don't","start":1396.7051,"end":1396.9451,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.23581844568252563},{"word":"listen","start":1396.9451,"end":1397.185,"confidence":1.0,"punctuated_word":"listen","sentiment":"neutral","sentiment_score":-0.307405561208725},{"word":"to","start":1397.185,"end":1397.345,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2965603470802307},{"word":"the","start":1397.345,"end":1397.505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2875014841556549},{"word":"news","start":1397.505,"end":1397.8251,"confidence":0.99902344,"punctuated_word":"news","sentiment":"neutral","sentiment_score":-0.2825457453727722},{"word":"a","start":1397.8251,"end":1397.905,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2286720722913742},{"word":"great","start":1397.905,"end":1398.145,"confidence":1.0,"punctuated_word":"great","sentiment":"neutral","sentiment_score":-0.24211427569389343},{"word":"deal","start":1398.145,"end":1398.4651,"confidence":1.0,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":-0.2981071472167969},{"word":"either","start":1398.4651,"end":1398.865,"confidence":0.99658203,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":-0.2056816816329956},{"word":"i","start":1398.865,"end":1399.025,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1457463502883911},{"word":"read","start":1399.025,"end":1399.425,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":-0.17794623970985413},{"word":"what","start":1399.425,"end":1399.665,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.13752993941307068},{"word":"comes","start":1399.665,"end":1399.985,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.14660294353961945},{"word":"out","start":1399.985,"end":1400.485,"confidence":0.90966797,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.1407562494277954},{"word":"but","start":1401.105,"end":1401.265,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.13553065061569214},{"word":"i","start":1401.265,"end":1401.345,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1876677572727203},{"word":"don't","start":1401.345,"end":1401.505,"confidence":0.99609375,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.21403461694717407},{"word":"just","start":1401.505,"end":1401.745,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.22482463717460632},{"word":"watch","start":1401.745,"end":1401.985,"confidence":0.99902344,"punctuated_word":"watch","sentiment":"neutral","sentiment_score":-0.29533591866493225},{"word":"the","start":1401.985,"end":1402.145,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2812250256538391},{"word":"news","start":1402.145,"end":1402.4651,"confidence":1.0,"punctuated_word":"news","sentiment":"neutral","sentiment_score":-0.28031328320503235},{"word":"every","start":1402.4651,"end":1402.7051,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.2607610821723938},{"word":"night","start":1402.7051,"end":1402.9451,"confidence":1.0,"punctuated_word":"night","sentiment":"neutral","sentiment_score":-0.2893649637699127},{"word":"at","start":1402.9451,"end":1403.105,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2815166115760803},{"word":"06:00","start":1403.105,"end":1403.5851,"confidence":0.999349,"punctuated_word":"06:00","sentiment":"neutral","sentiment_score":-0.25846683979034424},{"word":"because","start":1403.5851,"end":1403.8251,"confidence":0.6503906,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.3368436098098755},{"word":"it","start":1403.8251,"end":1403.985,"confidence":0.9707031,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.38810357451438904},{"word":"is","start":1403.985,"end":1404.145,"confidence":0.9951172,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.37816527485847473},{"word":"just","start":1404.145,"end":1404.385,"confidence":0.8461914,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.4182819128036499},{"word":"awful","start":1404.385,"end":1404.7051,"confidence":0.96191406,"punctuated_word":"awful.","sentiment":"negative","sentiment_score":-0.4163225293159485},{"word":"it's","start":1404.7051,"end":1404.9451,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.43680986762046814},{"word":"horrible","start":1404.9451,"end":1405.4451,"confidence":0.99658203,"punctuated_word":"horrible.","sentiment":"negative","sentiment_score":-0.3860778212547302},{"word":"it's","start":1405.505,"end":1405.8251,"confidence":0.9975586,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.3704593777656555},{"word":"not","start":1405.8251,"end":1406.145,"confidence":0.9980469,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.38455426692962646},{"word":"fun","start":1406.145,"end":1406.4651,"confidence":0.9980469,"punctuated_word":"fun","sentiment":"neutral","sentiment_score":-0.3054666817188263},{"word":"to","start":1406.4651,"end":1406.625,"confidence":0.9951172,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.38647621870040894},{"word":"you","start":1406.785,"end":1406.865,"confidence":0.99902344,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3438299894332886},{"word":"know","start":1406.865,"end":1407.265,"confidence":0.8815918,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.3418262004852295},{"word":"nothing","start":1407.265,"end":1407.5851,"confidence":0.99902344,"punctuated_word":"nothing","sentiment":"negative","sentiment_score":-0.3687890470027923},{"word":"ever","start":1407.5851,"end":1407.8251,"confidence":0.9404297,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.3081575930118561},{"word":"good","start":1407.8251,"end":1408.145,"confidence":0.9790039,"punctuated_word":"good","sentiment":"negative","sentiment_score":-0.36532706022262573},{"word":"happens","start":1408.145,"end":1408.645,"confidence":0.66186523,"punctuated_word":"happens.","sentiment":"neutral","sentiment_score":-0.33115893602371216},{"word":"but","start":1409.42,"end":1409.66,"confidence":0.98095703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06342647969722748},{"word":"i","start":1409.66,"end":1409.82,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07505835592746735},{"word":"kinda","start":1409.82,"end":1410.0599,"confidence":0.8881836,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.06321316957473755},{"word":"just","start":1410.0599,"end":1410.2999,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06309791654348373},{"word":"read","start":1410.2999,"end":1410.54,"confidence":0.9951172,"punctuated_word":"read","sentiment":"neutral","sentiment_score":-0.057608745992183685},{"word":"the","start":1410.54,"end":1410.62,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02036852389574051},{"word":"news","start":1410.62,"end":1410.94,"confidence":1.0,"punctuated_word":"news","sentiment":"neutral","sentiment_score":-0.010733745992183684},{"word":"that","start":1410.94,"end":1411.1,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.010631412267684937},{"word":"comes","start":1411.1,"end":1411.34,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.010468978434801102},{"word":"out","start":1411.34,"end":1411.58,"confidence":0.97314453,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.006856128573417664},{"word":"from","start":1411.58,"end":1411.82,"confidence":0.9975586,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":-0.012653695419430733},{"word":"you","start":1411.82,"end":1411.98,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03214024379849434},{"word":"know","start":1411.98,"end":1412.22,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.026314152404665947},{"word":"the","start":1412.22,"end":1412.54,"confidence":0.6879883,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024333521723747253},{"word":"economists","start":1412.54,"end":1413.04,"confidence":0.890625,"punctuated_word":"economists","sentiment":"neutral","sentiment_score":-0.001628052443265915},{"word":"and","start":1413.26,"end":1413.5,"confidence":0.64746094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008456990122795105},{"word":"the","start":1413.5,"end":1413.66,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00915735960006714},{"word":"areas","start":1413.66,"end":1413.98,"confidence":0.9970703,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.0018540695309638977},{"word":"that","start":1413.98,"end":1414.14,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.014375340193510056},{"word":"we","start":1414.14,"end":1414.2999,"confidence":0.9790039,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.021159175783395767},{"word":"look","start":1414.2999,"end":1414.54,"confidence":0.9902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.02625606209039688},{"word":"at","start":1414.54,"end":1414.78,"confidence":0.81396484,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01945958286523819},{"word":"at","start":1414.78,"end":1414.86,"confidence":0.8730469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03145551308989525},{"word":"work","start":1414.86,"end":1415.34,"confidence":0.67736816,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.04260265454649925},{"word":"so","start":1415.34,"end":1415.84,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.00860494002699852},{"word":"i","start":1415.9,"end":1415.98,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00706811249256134},{"word":"can","start":1415.98,"end":1416.22,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0009635388851165771},{"word":"keep","start":1416.22,"end":1416.46,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.010802678763866425},{"word":"up","start":1416.46,"end":1416.62,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.006497487425804138},{"word":"to","start":1416.62,"end":1416.7,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01991751790046692},{"word":"date","start":1416.7,"end":1416.94,"confidence":0.99902344,"punctuated_word":"date","sentiment":"neutral","sentiment_score":-0.0013394281268119812},{"word":"in","start":1416.94,"end":1417.1,"confidence":0.9428711,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04027706757187843},{"word":"other","start":1417.1,"end":1417.42,"confidence":0.97802734,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.05449867248535156},{"word":"ways","start":1417.42,"end":1417.92,"confidence":0.98339844,"punctuated_word":"ways.","sentiment":"neutral","sentiment_score":-0.05190853774547577},{"word":"alright","start":1421.275,"end":1421.775,"confidence":0.88427734,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.09413911402225494},{"word":"all","start":1421.835,"end":1422.075,"confidence":0.8935547,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.22522637248039248},{"word":"good","start":1422.075,"end":1422.575,"confidence":0.9980469,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1546284407377243},{"word":"so","start":1423.035,"end":1423.275,"confidence":0.7648926,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.0041048601269721985},{"word":"realistically","start":1423.275,"end":1423.775,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.028077280148863792},{"word":"do","start":1424.075,"end":1424.235,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03673377260565758},{"word":"you","start":1424.235,"end":1424.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.046855635941028595},{"word":"think","start":1424.395,"end":1424.635,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04522207006812096},{"word":"you'd","start":1424.635,"end":1424.875,"confidence":0.9729004,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.04867662116885185},{"word":"be","start":1424.875,"end":1425.035,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06319043785333633},{"word":"more","start":1425.035,"end":1425.435,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.06918362528085709},{"word":"towards","start":1425.435,"end":1425.835,"confidence":0.98535156,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":-0.07591885328292847},{"word":"that","start":1425.835,"end":1426.335,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0337928868830204},{"word":"sort","start":1426.395,"end":1426.635,"confidence":0.85253906,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.06986097991466522},{"word":"of","start":1426.635,"end":1426.715,"confidence":0.83935547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08416908979415894},{"word":"anxious","start":1426.715,"end":1427.215,"confidence":0.9970703,"punctuated_word":"anxious","sentiment":"neutral","sentiment_score":-0.1151663213968277},{"word":"concern","start":1427.275,"end":1427.775,"confidence":0.82958984,"punctuated_word":"concern","sentiment":"neutral","sentiment_score":-0.13571250438690186},{"word":"sort","start":1427.835,"end":1427.995,"confidence":0.97998047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.10435090214014052},{"word":"of","start":1427.995,"end":1428.235,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1365509331226349},{"word":"area","start":1428.235,"end":1428.735,"confidence":0.98535156,"punctuated_word":"area?","sentiment":"neutral","sentiment_score":-0.11032696813344955},{"word":"am","start":1429.195,"end":1429.435,"confidence":0.99902344,"punctuated_word":"Am","sentiment":"neutral","sentiment_score":-0.05519160255789757},{"word":"i","start":1429.435,"end":1429.595,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07303953170776367},{"word":"right","start":1429.595,"end":1429.755,"confidence":0.99902344,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.020318150520324707},{"word":"on","start":1429.755,"end":1429.915,"confidence":0.97265625,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.056302208453416824},{"word":"the","start":1429.915,"end":1430.075,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.058949027210474014},{"word":"right","start":1430.075,"end":1430.315,"confidence":0.9980469,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.040992721915245056},{"word":"track","start":1430.315,"end":1430.555,"confidence":0.9980469,"punctuated_word":"track","sentiment":"neutral","sentiment_score":-0.054071009159088135},{"word":"there","start":1430.555,"end":1431.055,"confidence":0.99609375,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":-0.07596398890018463},{"word":"no","start":1436.49,"end":1436.73,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0935923308134079},{"word":"no","start":1436.73,"end":1437.05,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07832980155944824},{"word":"of","start":1437.05,"end":1437.13,"confidence":1.0,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.04954693466424942},{"word":"course","start":1437.13,"end":1437.61,"confidence":0.99560547,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":-0.04840623959898949},{"word":"definitely","start":1437.61,"end":1438.11,"confidence":1.0,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":-0.007631456013768911},{"word":"yeah","start":1440.97,"end":1441.47,"confidence":0.9802246,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02275136113166809},{"word":"i'll","start":1441.85,"end":1442.17,"confidence":0.96728516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.03580339252948761},{"word":"tick","start":1442.17,"end":1442.41,"confidence":0.55908203,"punctuated_word":"tick","sentiment":"neutral","sentiment_score":-0.017017800360918045},{"word":"off","start":1442.41,"end":1442.65,"confidence":0.9921875,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.03297640383243561},{"word":"the","start":1442.65,"end":1442.89,"confidence":0.9472656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.043192703276872635},{"word":"anxious","start":1442.89,"end":1443.29,"confidence":0.9970703,"punctuated_word":"anxious","sentiment":"neutral","sentiment_score":-0.06887294352054596},{"word":"button","start":1443.29,"end":1443.53,"confidence":0.96435547,"punctuated_word":"button","sentiment":"neutral","sentiment_score":-0.049821365624666214},{"word":"there","start":1443.53,"end":1443.6901,"confidence":0.77441406,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.06736858189105988},{"word":"that","start":1443.6901,"end":1443.85,"confidence":0.9980469,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.13889504969120026},{"word":"would","start":1443.85,"end":1444.01,"confidence":0.9951172,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.17470070719718933},{"word":"make","start":1444.01,"end":1444.25,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.13202433288097382},{"word":"you","start":1444.25,"end":1444.41,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1059071719646454},{"word":"feel","start":1444.41,"end":1444.65,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.131617933511734},{"word":"pretty","start":1444.65,"end":1444.89,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.1222965344786644},{"word":"anxious","start":1444.89,"end":1445.37,"confidence":0.9160156,"punctuated_word":"anxious,","sentiment":"neutral","sentiment_score":-0.1476999670267105},{"word":"you","start":1445.37,"end":1445.53,"confidence":0.90283203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11407727748155594},{"word":"reckon","start":1445.53,"end":1446.03,"confidence":0.986084,"punctuated_word":"reckon?","sentiment":"neutral","sentiment_score":-0.1171472668647766},{"word":"yeah","start":1447.9049,"end":1448.1449,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.003141213208436966},{"word":"that's","start":1448.1449,"end":1448.625,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.021773889660835263},{"word":"okay","start":1448.625,"end":1449.125,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.07308818399906158},{"word":"absolutely","start":1449.1849,"end":1449.6849,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.05732405185699463},{"word":"and","start":1450.3049,"end":1450.5449,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.010752271860837936},{"word":"if","start":1450.5449,"end":1450.7849,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02145315147936344},{"word":"it","start":1450.7849,"end":1450.865,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05568897724151611},{"word":"did","start":1450.865,"end":1451.0249,"confidence":0.99316406,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.04301872476935387},{"word":"happen","start":1451.0249,"end":1451.345,"confidence":0.9980469,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.07322986423969269},{"word":"to","start":1451.345,"end":1451.505,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08270462602376938},{"word":"fall","start":1451.505,"end":1451.745,"confidence":0.9741211,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":-0.09310520440340042},{"word":"by","start":1451.745,"end":1451.985,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.10786528885364532},{"word":"20%","start":1451.985,"end":1452.5449,"confidence":0.9538574,"punctuated_word":"20%,","sentiment":"neutral","sentiment_score":-0.10564783215522766},{"word":"obviously","start":1452.5449,"end":1452.865,"confidence":0.90966797,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.1208052858710289},{"word":"don't","start":1452.865,"end":1453.105,"confidence":0.78344727,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12614962458610535},{"word":"want","start":1453.105,"end":1453.265,"confidence":0.99609375,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.16104984283447266},{"word":"it","start":1453.265,"end":1453.4249,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.15478858351707458},{"word":"to","start":1453.4249,"end":1453.505,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16291970014572144},{"word":"happen","start":1453.505,"end":1453.825,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.1444949358701706},{"word":"that","start":1453.825,"end":1453.985,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12308982014656068},{"word":"way","start":1453.985,"end":1454.225,"confidence":0.86035156,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":-0.12950538098812103},{"word":"but","start":1454.225,"end":1454.5449,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.050494253635406494},{"word":"if","start":1454.5449,"end":1454.705,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06355240195989609},{"word":"it","start":1454.705,"end":1454.865,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08915312588214874},{"word":"did","start":1454.865,"end":1455.365,"confidence":0.9995117,"punctuated_word":"did,","sentiment":"neutral","sentiment_score":-0.06523365527391434},{"word":"do","start":1455.6649,"end":1455.825,"confidence":0.6977539,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07965566217899323},{"word":"you","start":1455.825,"end":1455.9049,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07594183832406998},{"word":"think","start":1455.9049,"end":1456.225,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.10847453773021698},{"word":"you'd","start":1456.225,"end":1456.465,"confidence":0.9975586,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.12550830841064453},{"word":"be","start":1456.465,"end":1456.965,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.14523731172084808},{"word":"calling","start":1457.105,"end":1457.505,"confidence":0.99902344,"punctuated_word":"calling","sentiment":"neutral","sentiment_score":-0.17349660396575928},{"word":"us","start":1457.505,"end":1458.005,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.1307006478309631},{"word":"funny","start":1458.065,"end":1458.465,"confidence":0.9160156,"punctuated_word":"funny","sentiment":"neutral","sentiment_score":-0.17844460904598236},{"word":"at","start":1458.465,"end":1458.5449,"confidence":0.9819336,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1622028350830078},{"word":"what's","start":1458.5449,"end":1458.865,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.127529576420784},{"word":"going","start":1458.865,"end":1459.105,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.11696472764015198},{"word":"on","start":1459.105,"end":1459.505,"confidence":0.99560547,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":-0.10596157610416412},{"word":"are","start":1459.505,"end":1459.6649,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.07486622035503387},{"word":"you","start":1459.6649,"end":1459.825,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08170311152935028},{"word":"wanting","start":1459.825,"end":1460.1449,"confidence":0.9970703,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.09863294661045074},{"word":"to","start":1460.1449,"end":1460.225,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07720905542373657},{"word":"maybe","start":1460.225,"end":1460.625,"confidence":0.98291016,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.0743381530046463},{"word":"move","start":1460.625,"end":1460.7849,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.07464276254177094},{"word":"money","start":1460.7849,"end":1461.105,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.05502745881676674},{"word":"into","start":1461.105,"end":1461.36,"confidence":0.98828125,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.0632728785276413},{"word":"cash","start":1461.44,"end":1461.84,"confidence":0.99609375,"punctuated_word":"cash?","sentiment":"neutral","sentiment_score":-0.05842071771621704},{"word":"how","start":1461.84,"end":1462.0,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.05596243962645531},{"word":"do","start":1462.0,"end":1462.24,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07670089602470398},{"word":"you","start":1462.24,"end":1462.32,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05956996977329254},{"word":"think","start":1462.32,"end":1462.5599,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.08219506591558456},{"word":"you","start":1462.5599,"end":1462.72,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08715358376502991},{"word":"might","start":1462.72,"end":1462.88,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.10098852962255478},{"word":"react","start":1462.88,"end":1463.2,"confidence":0.9980469,"punctuated_word":"react","sentiment":"neutral","sentiment_score":-0.10454502701759338},{"word":"in","start":1463.2,"end":1463.36,"confidence":0.95703125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10839201509952544},{"word":"those","start":1463.36,"end":1463.6799,"confidence":0.984375,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.11894968152046204},{"word":"circumstance","start":1463.6799,"end":1464.1799,"confidence":0.9160156,"punctuated_word":"circumstance?","sentiment":"neutral","sentiment_score":-0.10225819051265717},{"word":"yep","start":1474.335,"end":1474.735,"confidence":0.8552246,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.022672487422823902},{"word":"yep","start":1474.735,"end":1475.235,"confidence":0.97631836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02484273537993431},{"word":"be","start":1475.375,"end":1475.495,"confidence":0.56933594,"punctuated_word":"Be","sentiment":"neutral","sentiment_score":-0.14719125628471377},{"word":"a","start":1475.495,"end":1475.615,"confidence":0.9301758,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12879979610443115},{"word":"bit","start":1475.615,"end":1475.855,"confidence":0.99316406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.14059019088745117},{"word":"worried","start":1475.855,"end":1476.095,"confidence":0.9326172,"punctuated_word":"worried","sentiment":"neutral","sentiment_score":-0.16808225214481354},{"word":"going","start":1476.095,"end":1476.335,"confidence":0.9067383,"punctuated_word":"going,","sentiment":"neutral","sentiment_score":-0.24621735513210297},{"word":"hey","start":1476.335,"end":1476.575,"confidence":0.95825195,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":-0.25655943155288696},{"word":"what","start":1476.575,"end":1476.815,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.3088213801383972},{"word":"happened","start":1476.815,"end":1477.055,"confidence":0.98535156,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.3086622953414917},{"word":"to","start":1477.055,"end":1477.135,"confidence":0.32617188,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.26330646872520447},{"word":"my","start":1477.135,"end":1477.375,"confidence":0.8569336,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.27834680676460266},{"word":"stupid","start":1477.375,"end":1477.695,"confidence":0.77441406,"punctuated_word":"stupid?","sentiment":"neutral","sentiment_score":-0.2894858121871948},{"word":"how","start":1477.695,"end":1477.855,"confidence":0.9951172,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.22989438474178311},{"word":"do","start":1477.855,"end":1478.015,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.24746116995811465},{"word":"i","start":1478.015,"end":1478.175,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23051311075687408},{"word":"fix","start":1478.175,"end":1478.415,"confidence":0.99902344,"punctuated_word":"fix","sentiment":"negative","sentiment_score":-0.34606459736824036},{"word":"this","start":1478.415,"end":1478.575,"confidence":0.99853516,"punctuated_word":"this?","sentiment":"neutral","sentiment_score":-0.21256974339485168},{"word":"what's","start":1478.575,"end":1478.895,"confidence":1.0,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.12827922403812408},{"word":"going","start":1478.895,"end":1479.135,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.1221577599644661},{"word":"on","start":1479.135,"end":1479.635,"confidence":1.0,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":-0.10411795228719713},{"word":"no","start":1482.655,"end":1482.975,"confidence":0.9926758,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.026682335883378983},{"word":"excellent","start":1482.975,"end":1483.475,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.2781161069869995},{"word":"that's","start":1483.535,"end":1483.695,"confidence":0.99316406,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.3230594992637634},{"word":"a","start":1483.695,"end":1483.855,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4039159417152405},{"word":"really","start":1483.855,"end":1484.095,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.45697256922721863},{"word":"good","start":1484.095,"end":1484.255,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.38096320629119873},{"word":"answer","start":1484.255,"end":1484.735,"confidence":0.9995117,"punctuated_word":"answer.","sentiment":"positive","sentiment_score":0.40963679552078247},{"word":"beautiful","start":1484.735,"end":1485.235,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.23020558059215543},{"word":"and","start":1485.9501,"end":1486.11,"confidence":0.95166016,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04442024976015091},{"word":"when","start":1486.11,"end":1486.35,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.02846306189894676},{"word":"we","start":1486.35,"end":1486.51,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03665762394666672},{"word":"think","start":1486.51,"end":1486.83,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.03128136694431305},{"word":"about","start":1486.83,"end":1487.15,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.024915650486946102},{"word":"average","start":1487.15,"end":1487.55,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.016390517354011536},{"word":"returns","start":1487.55,"end":1487.9501,"confidence":0.99609375,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.07040399312973022},{"word":"of","start":1487.9501,"end":1488.03,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.027312764897942543},{"word":"what","start":1488.03,"end":1488.1901,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03153791278600693},{"word":"you're","start":1488.1901,"end":1488.35,"confidence":0.9975586,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.027508515864610672},{"word":"sort","start":1488.35,"end":1488.59,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.022545456886291504},{"word":"of","start":1488.59,"end":1488.67,"confidence":0.73291016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02689394913613796},{"word":"hoping","start":1488.67,"end":1489.0701,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.028561729937791824},{"word":"to","start":1489.0701,"end":1489.23,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03005269169807434},{"word":"try","start":1489.23,"end":1489.47,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.04349076747894287},{"word":"and","start":1489.47,"end":1489.71,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03673837333917618},{"word":"obtain","start":1489.71,"end":1490.11,"confidence":0.99609375,"punctuated_word":"obtain","sentiment":"neutral","sentiment_score":0.06597375124692917},{"word":"from","start":1490.11,"end":1490.35,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08522005379199982},{"word":"your","start":1490.35,"end":1490.59,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08514763414859772},{"word":"super","start":1490.59,"end":1491.0701,"confidence":0.9404297,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.15505963563919067},{"word":"over","start":1491.0701,"end":1491.31,"confidence":0.921875,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.0987187996506691},{"word":"the","start":1491.31,"end":1491.39,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05559762194752693},{"word":"longer","start":1491.39,"end":1491.79,"confidence":0.99902344,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.06249923259019852},{"word":"term","start":1491.79,"end":1492.29,"confidence":0.99560547,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":0.0405484214425087},{"word":"are","start":1492.59,"end":1492.83,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.00840497761964798},{"word":"you","start":1492.83,"end":1492.99,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023794248700141907},{"word":"trying","start":1492.99,"end":1493.31,"confidence":0.9921875,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.01537127047777176},{"word":"to","start":1493.31,"end":1493.47,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02486034482717514},{"word":"aim","start":1493.47,"end":1493.71,"confidence":1.0,"punctuated_word":"aim","sentiment":"neutral","sentiment_score":0.08436313271522522},{"word":"for","start":1493.71,"end":1493.9501,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0828479453921318},{"word":"the","start":1493.9501,"end":1494.11,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08329573273658752},{"word":"highest","start":1494.11,"end":1494.59,"confidence":1.0,"punctuated_word":"highest","sentiment":"neutral","sentiment_score":0.13292476534843445},{"word":"returns","start":1494.59,"end":1495.09,"confidence":0.9604492,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.2017320692539215},{"word":"you","start":1495.23,"end":1495.39,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10334903001785278},{"word":"can","start":1495.39,"end":1495.79,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08647914230823517},{"word":"knowing","start":1495.79,"end":1496.11,"confidence":0.8286133,"punctuated_word":"knowing","sentiment":"neutral","sentiment_score":0.08294690400362015},{"word":"that","start":1496.11,"end":1496.27,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05811821669340134},{"word":"you","start":1496.27,"end":1496.51,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08990466594696045},{"word":"need","start":1496.51,"end":1496.67,"confidence":0.6538086,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.06796982139348984},{"word":"to","start":1496.67,"end":1496.83,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04862033575773239},{"word":"take","start":1496.83,"end":1497.0701,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.03629569709300995},{"word":"a","start":1497.0701,"end":1497.15,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.021670017391443253},{"word":"bit","start":1497.15,"end":1497.31,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.016656450927257538},{"word":"more","start":1497.31,"end":1497.47,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.03934776782989502},{"word":"risk","start":1497.47,"end":1497.79,"confidence":0.97802734,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.04378056526184082},{"word":"to","start":1497.79,"end":1497.9501,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.058568887412548065},{"word":"get","start":1497.9501,"end":1498.11,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06878054141998291},{"word":"better","start":1498.11,"end":1498.43,"confidence":0.9970703,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.09336227178573608},{"word":"returns","start":1498.43,"end":1498.93,"confidence":0.7541504,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":0.14632318913936615},{"word":"or","start":1499.295,"end":1499.415,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.026188567280769348},{"word":"do","start":1499.415,"end":1499.535,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.018628597259521484},{"word":"you","start":1499.535,"end":1499.6951,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0772354006767273},{"word":"consider","start":1499.6951,"end":1500.1951,"confidence":0.99902344,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.036007560789585114},{"word":"yourself","start":1500.255,"end":1500.655,"confidence":1.0,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.11263062059879304},{"word":"happy","start":1500.655,"end":1500.9751,"confidence":0.99902344,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.13116461038589478},{"word":"with","start":1500.9751,"end":1501.295,"confidence":0.94628906,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.08058842271566391},{"word":"say","start":1501.295,"end":1501.535,"confidence":0.9975586,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.06640362739562988},{"word":"a","start":1501.535,"end":1501.8551,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12139944732189178},{"word":"two","start":1501.8551,"end":1502.255,"confidence":0.96875,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.13648390769958496},{"word":"four","start":1502.255,"end":1502.5751,"confidence":0.98339844,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.1059744507074356},{"word":"or","start":1502.5751,"end":1502.8151,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07548191398382187},{"word":"a","start":1502.8151,"end":1502.895,"confidence":0.8676758,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11066913604736328},{"word":"6%","start":1502.895,"end":1503.6951,"confidence":1.0,"punctuated_word":"6%","sentiment":"neutral","sentiment_score":0.13226012885570526},{"word":"return","start":1503.6951,"end":1504.175,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.17007923126220703},{"word":"on","start":1504.175,"end":1504.3351,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07522588223218918},{"word":"a","start":1504.3351,"end":1504.495,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09242591261863708},{"word":"regular","start":1504.495,"end":1504.9751,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.13590820133686066},{"word":"bay","start":1504.9751,"end":1505.055,"confidence":0.8154297,"punctuated_word":"bay","sentiment":"neutral","sentiment_score":0.20226038992404935},{"word":"on","start":1505.135,"end":1505.295,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0812169760465622},{"word":"a","start":1505.295,"end":1505.4551,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08593878149986267},{"word":"yearly","start":1505.4551,"end":1505.775,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.10992466658353806},{"word":"basis","start":1505.775,"end":1506.275,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.12793168425559998},{"word":"to","start":1506.8151,"end":1506.9751,"confidence":0.7651367,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07179410010576248},{"word":"keep","start":1506.9751,"end":1507.2151,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.14439673721790314},{"word":"your","start":1507.2151,"end":1507.375,"confidence":0.7055664,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13462142646312714},{"word":"super","start":1507.375,"end":1507.775,"confidence":0.9199219,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2408689111471176},{"word":"working","start":1507.775,"end":1508.175,"confidence":0.99121094,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.16378837823867798},{"word":"as","start":1508.175,"end":1508.3351,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10674531012773514},{"word":"long","start":1508.3351,"end":1508.5751,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.1211332157254219},{"word":"as","start":1508.5751,"end":1508.7351,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.042163603007793427},{"word":"possible","start":1508.7351,"end":1509.2351,"confidence":0.9875488,"punctuated_word":"possible?","sentiment":"neutral","sentiment_score":0.052421364933252335},{"word":"yep","start":1522.0299,"end":1522.35,"confidence":0.7039795,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14116935431957245},{"word":"yep","start":1522.35,"end":1522.83,"confidence":0.7910156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13424840569496155},{"word":"no","start":1522.83,"end":1523.07,"confidence":0.99121094,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.13048946857452393},{"word":"that's","start":1523.07,"end":1523.3899,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.23778530955314636},{"word":"okay","start":1523.3899,"end":1523.71,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.26435011625289917},{"word":"that's","start":1523.71,"end":1523.95,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4230008721351623},{"word":"not","start":1523.95,"end":1524.19,"confidence":1.0,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.39130473136901855},{"word":"a","start":1524.19,"end":1524.2699,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3685091435909271},{"word":"problem","start":1524.2699,"end":1524.75,"confidence":1.0,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.34572041034698486},{"word":"at","start":1524.75,"end":1524.9099,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4150610566139221},{"word":"all","start":1524.9099,"end":1525.4099,"confidence":0.9995117,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.3688388466835022},{"word":"so","start":1525.835,"end":1526.155,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3420180380344391},{"word":"the","start":1526.155,"end":1526.235,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3671137690544128},{"word":"way","start":1526.235,"end":1526.555,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.33977875113487244},{"word":"you've","start":1526.555,"end":1526.955,"confidence":0.859375,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.3922719359397888},{"word":"both","start":1526.955,"end":1527.275,"confidence":0.93115234,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.339126318693161},{"word":"sort","start":1527.275,"end":1527.515,"confidence":0.875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.25758516788482666},{"word":"of","start":1527.515,"end":1527.595,"confidence":0.90234375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2716101408004761},{"word":"scored","start":1527.595,"end":1527.835,"confidence":0.9790039,"punctuated_word":"scored","sentiment":"neutral","sentiment_score":0.2668446898460388},{"word":"and","start":1527.835,"end":1527.995,"confidence":0.66748047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.242837056517601},{"word":"you","start":1527.995,"end":1528.155,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2940700054168701},{"word":"have","start":1528.155,"end":1528.555,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24582144618034363},{"word":"scored","start":1528.555,"end":1529.035,"confidence":1.0,"punctuated_word":"scored","sentiment":"neutral","sentiment_score":0.2645425498485565},{"word":"very","start":1529.035,"end":1529.275,"confidence":0.98535156,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.28895819187164307},{"word":"much","start":1529.275,"end":1529.595,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.3246140778064728},{"word":"the","start":1529.595,"end":1529.755,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2716239094734192},{"word":"same","start":1529.755,"end":1530.075,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.2318107038736343},{"word":"area","start":1530.075,"end":1530.475,"confidence":0.9519043,"punctuated_word":"area,","sentiment":"neutral","sentiment_score":0.2741248607635498},{"word":"it","start":1530.475,"end":1530.635,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3133399784564972},{"word":"is","start":1530.635,"end":1530.7949,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2653847932815552},{"word":"a","start":1530.7949,"end":1530.955,"confidence":0.7441406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29353445768356323},{"word":"bit","start":1530.955,"end":1531.195,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20038864016532895},{"word":"different","start":1531.195,"end":1531.515,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.17068515717983246},{"word":"to","start":1531.515,"end":1531.675,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24545542895793915},{"word":"where","start":1531.675,"end":1531.835,"confidence":0.9941406,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.17376023530960083},{"word":"you","start":1531.835,"end":1532.075,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24706242978572843},{"word":"scored","start":1532.075,"end":1532.3151,"confidence":0.97998047,"punctuated_word":"scored","sentiment":"neutral","sentiment_score":0.20809617638587952},{"word":"in","start":1532.3151,"end":1532.555,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1693105697631836},{"word":"august","start":1532.555,"end":1532.875,"confidence":0.7980957,"punctuated_word":"August,","sentiment":"neutral","sentiment_score":0.20028170943260193},{"word":"and","start":1532.875,"end":1533.115,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3035017251968384},{"word":"it's","start":1533.115,"end":1533.275,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5533921122550964},{"word":"a","start":1533.275,"end":1533.355,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6515723466873169},{"word":"good","start":1533.355,"end":1533.515,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7000945806503296},{"word":"thing","start":1533.515,"end":1533.675,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.7470620274543762},{"word":"we","start":1533.675,"end":1533.835,"confidence":0.9970703,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.742209792137146},{"word":"went","start":1533.835,"end":1534.075,"confidence":0.9970703,"punctuated_word":"went","sentiment":"positive","sentiment_score":0.7544771432876587},{"word":"through","start":1534.075,"end":1534.235,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.7255796194076538},{"word":"this","start":1534.235,"end":1534.475,"confidence":0.99902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.7604124546051025},{"word":"again","start":1534.475,"end":1534.875,"confidence":0.99902344,"punctuated_word":"again","sentiment":"positive","sentiment_score":0.7370548844337463},{"word":"because","start":1534.875,"end":1535.375,"confidence":0.6352539,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.45002105832099915},{"word":"you've","start":1535.755,"end":1535.995,"confidence":0.8659668,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.5574732422828674},{"word":"scored","start":1535.995,"end":1536.3151,"confidence":0.99316406,"punctuated_word":"scored","sentiment":"positive","sentiment_score":0.5851047039031982},{"word":"as","start":1536.3151,"end":1536.475,"confidence":0.87890625,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4854477643966675},{"word":"more","start":1536.475,"end":1536.635,"confidence":0.99902344,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.41315844655036926},{"word":"of","start":1536.635,"end":1536.795,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4297406971454621},{"word":"a","start":1536.795,"end":1536.955,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.43686074018478394},{"word":"conservative","start":1536.955,"end":1537.455,"confidence":1.0,"punctuated_word":"conservative","sentiment":"positive","sentiment_score":0.43256714940071106},{"word":"defensive","start":1537.755,"end":1538.255,"confidence":0.6801758,"punctuated_word":"defensive","sentiment":"positive","sentiment_score":0.4160473644733429},{"word":"investor","start":1538.395,"end":1538.895,"confidence":0.97436523,"punctuated_word":"investor,","sentiment":"neutral","sentiment_score":0.3291873037815094},{"word":"which","start":1538.955,"end":1539.195,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.320062518119812},{"word":"is","start":1539.195,"end":1539.69,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2207030951976776},{"word":"when","start":1540.0099,"end":1540.1699,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.23961694538593292},{"word":"we","start":1540.1699,"end":1540.4099,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21562018990516665},{"word":"look","start":1540.4099,"end":1540.6499,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1831093430519104},{"word":"at","start":1540.6499,"end":1540.8899,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1480489820241928},{"word":"those","start":1540.8899,"end":1541.3899,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.27602383494377136},{"word":"those","start":1541.5299,"end":1541.85,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2916715443134308},{"word":"risky","start":1541.85,"end":1542.35,"confidence":0.99902344,"punctuated_word":"risky","sentiment":"neutral","sentiment_score":0.11471962928771973},{"word":"assets","start":1542.4099,"end":1542.9099,"confidence":0.98950195,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.13218386471271515},{"word":"this","start":1543.5299,"end":1543.69,"confidence":0.9707031,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.18176406621932983},{"word":"sort","start":1543.69,"end":1543.85,"confidence":0.98291016,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0930330753326416},{"word":"of","start":1543.85,"end":1544.0099,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.140346497297287},{"word":"portfolio","start":1544.0099,"end":1544.5099,"confidence":0.99316406,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.05209217220544815},{"word":"would","start":1544.57,"end":1544.8099,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.20656052231788635},{"word":"normally","start":1544.8099,"end":1545.21,"confidence":1.0,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.1806381344795227},{"word":"see","start":1545.21,"end":1545.5299,"confidence":0.97998047,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1771808564662933},{"word":"about","start":1545.5299,"end":1545.7699,"confidence":0.8461914,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.15071427822113037},{"word":"25","start":1545.7699,"end":1546.33,"confidence":0.9995117,"punctuated_word":"25","sentiment":"neutral","sentiment_score":0.2329620122909546},{"word":"to","start":1546.33,"end":1546.57,"confidence":0.93847656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10633834451436996},{"word":"35%","start":1546.57,"end":1547.37,"confidence":0.99934894,"punctuated_word":"35%","sentiment":"neutral","sentiment_score":0.19965168833732605},{"word":"in","start":1547.37,"end":1547.5299,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19767145812511444},{"word":"those","start":1547.5299,"end":1547.85,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.21056655049324036},{"word":"growth","start":1547.85,"end":1548.09,"confidence":0.98828125,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.16174283623695374},{"word":"assets","start":1548.09,"end":1548.57,"confidence":0.9416504,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.18812814354896543},{"word":"they're","start":1548.57,"end":1548.8099,"confidence":0.83251953,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.17106956243515015},{"word":"very","start":1548.8099,"end":1549.1299,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.17570629715919495},{"word":"much","start":1549.1299,"end":1549.6299,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.20308367908000943},{"word":"a","start":1549.7699,"end":1550.2699,"confidence":0.9453125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16308782994747162},{"word":"a","start":1550.4099,"end":1550.73,"confidence":0.94628906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14456479251384735},{"word":"change","start":1550.73,"end":1551.21,"confidence":0.7702637,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":0.14990627765655518},{"word":"reducing","start":1551.21,"end":1551.69,"confidence":0.8959961,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.12168890237808228},{"word":"those","start":1551.69,"end":1551.9299,"confidence":0.9941406,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.126935675740242},{"word":"growth","start":1551.9299,"end":1552.25,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.03405183553695679},{"word":"assets","start":1552.25,"end":1552.73,"confidence":1.0,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.08815675973892212},{"word":"down","start":1552.73,"end":1553.0499,"confidence":0.87353516,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.14615660905838013},{"word":"that's","start":1553.0499,"end":1553.325,"confidence":0.9477539,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11595021188259123},{"word":"australian","start":1553.725,"end":1554.125,"confidence":0.99902344,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.12769815325737},{"word":"shares","start":1554.125,"end":1554.5249,"confidence":0.99609375,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.11172529309988022},{"word":"international","start":1554.5249,"end":1555.0249,"confidence":0.99902344,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.1243136152625084},{"word":"shares","start":1555.1649,"end":1555.6649,"confidence":0.9980469,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.14633895456790924},{"word":"property","start":1556.205,"end":1556.705,"confidence":0.9523926,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.1356462985277176},{"word":"and","start":1556.7649,"end":1557.1649,"confidence":0.99560547,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.14646996557712555},{"word":"you","start":1557.1649,"end":1557.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13743986189365387},{"word":"know","start":1557.325,"end":1557.725,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.16777417063713074},{"word":"precious","start":1557.725,"end":1558.125,"confidence":0.99902344,"punctuated_word":"precious","sentiment":"neutral","sentiment_score":0.12955188751220703},{"word":"metals","start":1558.125,"end":1558.5249,"confidence":0.98291016,"punctuated_word":"metals","sentiment":"neutral","sentiment_score":0.1627393364906311},{"word":"like","start":1558.5249,"end":1558.6849,"confidence":0.71484375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.13474194705486298},{"word":"gold","start":1558.6849,"end":1558.9249,"confidence":0.99316406,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.16227778792381287},{"word":"and","start":1558.9249,"end":1559.085,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1404467523097992},{"word":"silver","start":1559.085,"end":1559.585,"confidence":0.9501953,"punctuated_word":"silver.","sentiment":"neutral","sentiment_score":0.13787202537059784},{"word":"and","start":1560.0449,"end":1560.205,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0892273485660553},{"word":"then","start":1560.205,"end":1560.5249,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09420426189899445},{"word":"the","start":1560.5249,"end":1560.7649,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08349518477916718},{"word":"defensive","start":1560.7649,"end":1561.2649,"confidence":0.98828125,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.08377067744731903},{"word":"lower","start":1561.4049,"end":1561.725,"confidence":0.9921875,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.07426679134368896},{"word":"risk","start":1561.725,"end":1561.965,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.036514073610305786},{"word":"investments","start":1561.965,"end":1562.465,"confidence":0.94921875,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.03187616169452667},{"word":"like","start":1562.5249,"end":1562.845,"confidence":0.8051758,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07250361144542694},{"word":"cash","start":1562.845,"end":1563.1649,"confidence":0.9321289,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.09933221340179443},{"word":"bonds","start":1563.1649,"end":1563.565,"confidence":0.9472656,"punctuated_word":"bonds,","sentiment":"neutral","sentiment_score":0.0875888466835022},{"word":"and","start":1563.565,"end":1563.725,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09607334434986116},{"word":"fixed","start":1563.725,"end":1564.0449,"confidence":1.0,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.06209205836057663},{"word":"interest","start":1564.0449,"end":1564.5249,"confidence":0.9614258,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.10364355146884918},{"word":"you","start":1564.5249,"end":1564.7649,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1090185046195984},{"word":"generally","start":1564.7649,"end":1565.245,"confidence":0.9921875,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.08852070569992065},{"word":"would","start":1565.245,"end":1565.485,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08747883141040802},{"word":"see","start":1565.485,"end":1565.725,"confidence":0.99316406,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0940866768360138},{"word":"about","start":1565.725,"end":1565.965,"confidence":0.9375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05731617286801338},{"word":"65","start":1565.965,"end":1566.605,"confidence":0.9975586,"punctuated_word":"65","sentiment":"neutral","sentiment_score":0.10491718351840972},{"word":"to","start":1566.605,"end":1566.7649,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.050503216683864594},{"word":"75","start":1566.7649,"end":1567.485,"confidence":0.991333,"punctuated_word":"75.","sentiment":"neutral","sentiment_score":0.08545897901058197},{"word":"so","start":1567.485,"end":1567.86,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11625830829143524},{"word":"it's","start":1567.94,"end":1568.26,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.11526411026716232},{"word":"very","start":1568.26,"end":1568.34,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.08501140773296356},{"word":"much","start":1568.34,"end":1568.84,"confidence":0.9970703,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.08537840843200684},{"word":"a","start":1568.98,"end":1569.2999,"confidence":0.5185547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08194171637296677},{"word":"a","start":1569.2999,"end":1569.38,"confidence":0.8833008,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07225377857685089},{"word":"change","start":1569.38,"end":1569.78,"confidence":0.9921875,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.03872103989124298},{"word":"from","start":1569.78,"end":1570.02,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.022889256477355957},{"word":"where","start":1570.02,"end":1570.1799,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.028435908257961273},{"word":"you","start":1570.1799,"end":1570.42,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02004716545343399},{"word":"would","start":1570.42,"end":1570.5,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.001675240695476532},{"word":"be","start":1570.5,"end":1570.74,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.005921155214309692},{"word":"when","start":1570.74,"end":1570.9,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.007499195635318756},{"word":"you're","start":1570.9,"end":1571.0599,"confidence":0.99316406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.012776660732924938},{"word":"wanting","start":1571.0599,"end":1571.2999,"confidence":0.9902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.011047735810279846},{"word":"to","start":1571.2999,"end":1571.46,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.012367114424705504},{"word":"take","start":1571.46,"end":1571.62,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.031638339161872864},{"word":"on","start":1571.62,"end":1571.78,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03626135736703873},{"word":"a","start":1571.78,"end":1571.86,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004894144833087921},{"word":"bit","start":1571.86,"end":1572.02,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0244964137673378},{"word":"more","start":1572.02,"end":1572.34,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.01932626962661743},{"word":"risk","start":1572.34,"end":1572.58,"confidence":0.9902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.03481460362672806},{"word":"there","start":1572.58,"end":1573.08,"confidence":0.9885254,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.0020224489271640778},{"word":"this","start":1574.34,"end":1574.58,"confidence":0.7661133,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.0568387508392334},{"word":"sort","start":1574.58,"end":1574.74,"confidence":0.9667969,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.021576419472694397},{"word":"of","start":1574.74,"end":1574.98,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03363252431154251},{"word":"portfolio","start":1574.98,"end":1575.48,"confidence":0.96972656,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.014058023691177368},{"word":"normally","start":1575.7,"end":1576.2,"confidence":0.95947266,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.06212133914232254},{"word":"suits","start":1576.26,"end":1576.58,"confidence":0.703125,"punctuated_word":"suits","sentiment":"neutral","sentiment_score":0.07240734994411469},{"word":"someone","start":1576.58,"end":1576.9,"confidence":0.99902344,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.11553686112165452},{"word":"who","start":1576.9,"end":1577.14,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.12568533420562744},{"word":"has","start":1577.14,"end":1577.38,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.09183964878320694},{"word":"about","start":1577.38,"end":1577.7,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07228542864322662},{"word":"three","start":1577.7,"end":1577.94,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.09555357694625854},{"word":"years","start":1577.94,"end":1578.44,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.1084149330854416},{"word":"that","start":1578.58,"end":1578.82,"confidence":0.61816406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13614732027053833},{"word":"are","start":1578.82,"end":1578.9,"confidence":0.86035156,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09055265784263612},{"word":"wanting","start":1578.9,"end":1579.22,"confidence":0.9873047,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.08856942504644394},{"word":"to","start":1579.22,"end":1579.2999,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08313298225402832},{"word":"access","start":1579.2999,"end":1579.62,"confidence":0.9980469,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.0869196206331253},{"word":"a","start":1579.62,"end":1579.78,"confidence":0.67285156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09802939742803574},{"word":"super","start":1579.78,"end":1580.26,"confidence":0.6176758,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.19752271473407745},{"word":"now","start":1580.26,"end":1580.58,"confidence":0.9941406,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.13086360692977905},{"word":"or","start":1580.58,"end":1580.74,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10309774428606032},{"word":"within","start":1580.74,"end":1581.0599,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.04819983243942261},{"word":"the","start":1581.0599,"end":1581.14,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0972032994031906},{"word":"next","start":1581.14,"end":1581.46,"confidence":0.9980469,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.08086539804935455},{"word":"sort","start":1581.46,"end":1581.62,"confidence":0.93408203,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04744210094213486},{"word":"of","start":1581.62,"end":1581.78,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07422440499067307},{"word":"three","start":1581.78,"end":1581.94,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.06820210814476013},{"word":"years","start":1581.94,"end":1582.44,"confidence":0.9838867,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.06301839649677277},{"word":"the","start":1582.855,"end":1583.015,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0656091719865799},{"word":"likelihood","start":1583.015,"end":1583.495,"confidence":0.9941406,"punctuated_word":"likelihood","sentiment":"neutral","sentiment_score":-0.13860008120536804},{"word":"of","start":1583.495,"end":1583.735,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15706762671470642},{"word":"a","start":1583.735,"end":1583.815,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22215700149536133},{"word":"negative","start":1583.815,"end":1584.2949,"confidence":1.0,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.21280871331691745},{"word":"return","start":1584.2949,"end":1584.7749,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":-0.2591839134693146},{"word":"is","start":1584.7749,"end":1585.015,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2097899466753006},{"word":"about","start":1585.015,"end":1585.1749,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.2371894270181656},{"word":"one","start":1585.1749,"end":1585.4149,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.2247731536626816},{"word":"in","start":1585.4149,"end":1585.6549,"confidence":0.94140625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1803356856107712},{"word":"seven","start":1585.6549,"end":1585.8949,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.2510702908039093},{"word":"years","start":1585.8949,"end":1586.2949,"confidence":0.7406006,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.13461798429489136},{"word":"so","start":1586.2949,"end":1586.5349,"confidence":0.7998047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.02853743731975555},{"word":"very","start":1586.5349,"end":1586.695,"confidence":0.9921875,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.06864528357982635},{"word":"much","start":1586.695,"end":1587.095,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.05979694426059723},{"word":"low","start":1587.095,"end":1587.495,"confidence":0.9707031,"punctuated_word":"low","sentiment":"neutral","sentiment_score":-0.12907300889492035},{"word":"risk","start":1587.495,"end":1587.995,"confidence":0.94384766,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.17833441495895386},{"word":"and","start":1588.615,"end":1588.855,"confidence":0.7675781,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.01472533494234085},{"word":"the","start":1588.855,"end":1589.095,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02795003354549408},{"word":"expected","start":1589.095,"end":1589.595,"confidence":0.9951172,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.10949543118476868},{"word":"returns","start":1589.6549,"end":1590.1549,"confidence":0.8886719,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.11907535046339036},{"word":"we'd","start":1590.215,"end":1590.455,"confidence":0.81274414,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.0783149003982544},{"word":"be","start":1590.455,"end":1590.615,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10252443701028824},{"word":"hoping","start":1590.615,"end":1590.9349,"confidence":0.99902344,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.13958877325057983},{"word":"for","start":1590.9349,"end":1591.1749,"confidence":0.9838867,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1429738849401474},{"word":"on","start":1591.1749,"end":1591.255,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1525806188583374},{"word":"a","start":1591.255,"end":1591.4149,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13660892844200134},{"word":"regular","start":1591.4149,"end":1591.815,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.1403607428073883},{"word":"base","start":1591.815,"end":1592.0549,"confidence":0.501709,"punctuated_word":"base,","sentiment":"neutral","sentiment_score":0.15082065761089325},{"word":"on","start":1592.0549,"end":1592.215,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1458313763141632},{"word":"a","start":1592.215,"end":1592.2949,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12815728783607483},{"word":"yearly","start":1592.2949,"end":1592.695,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.12909993529319763},{"word":"basis","start":1592.695,"end":1593.095,"confidence":0.78222656,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":0.11605996638536452},{"word":"is","start":1593.095,"end":1593.335,"confidence":0.96875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13745605945587158},{"word":"around","start":1593.335,"end":1593.735,"confidence":0.9941406,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.15822292864322662},{"word":"about","start":1593.735,"end":1594.135,"confidence":0.9941406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11753082275390624},{"word":"sort","start":1594.135,"end":1594.2949,"confidence":0.9536133,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08005908131599426},{"word":"of","start":1594.2949,"end":1594.59,"confidence":0.9926758,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.10063762217760086},{"word":"you","start":1594.75,"end":1594.83,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09265433251857758},{"word":"know","start":1594.83,"end":1595.07,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11480392515659332},{"word":"two","start":1595.07,"end":1595.39,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.15319053828716278},{"word":"to","start":1595.39,"end":1595.5499,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0603562667965889},{"word":"5%","start":1595.5499,"end":1596.45,"confidence":0.9987793,"punctuated_word":"5%.","sentiment":"neutral","sentiment_score":0.10393428057432176},{"word":"do","start":1596.51,"end":1596.75,"confidence":0.9980469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.08117380738258362},{"word":"you","start":1596.75,"end":1596.99,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10020901262760162},{"word":"feel","start":1596.99,"end":1597.23,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.13056223094463348},{"word":"like","start":1597.23,"end":1597.47,"confidence":0.9892578,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.14722619950771332},{"word":"that","start":1597.47,"end":1597.71,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14035499095916748},{"word":"is","start":1597.71,"end":1597.95,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11892078071832655},{"word":"sort","start":1597.95,"end":1598.19,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08753803372383118},{"word":"of","start":1598.19,"end":1598.35,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09496693313121796},{"word":"comfortable","start":1598.35,"end":1598.83,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.08380678296089172},{"word":"for","start":1598.83,"end":1599.07,"confidence":0.9199219,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10585907101631165},{"word":"yourself","start":1599.07,"end":1599.5499,"confidence":0.80322266,"punctuated_word":"yourself?","sentiment":"neutral","sentiment_score":0.09874410927295683},{"word":"do","start":1599.5499,"end":1599.71,"confidence":0.99609375,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.01237855851650238},{"word":"you","start":1599.71,"end":1599.7899,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01782993972301483},{"word":"feel","start":1599.7899,"end":1600.0299,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.006445333361625671},{"word":"like","start":1600.0299,"end":1600.19,"confidence":0.9902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.01450909674167633},{"word":"you","start":1600.19,"end":1600.35,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.023459672927856445},{"word":"wanna","start":1600.35,"end":1600.6699,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.04533178359270096},{"word":"bring","start":1600.6699,"end":1600.9099,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":-0.0931297242641449},{"word":"things","start":1600.9099,"end":1601.15,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.011796191334724426},{"word":"down","start":1601.15,"end":1601.39,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.10461357235908508},{"word":"to","start":1601.39,"end":1601.5499,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07440835237503052},{"word":"that","start":1601.5499,"end":1601.7899,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05949057638645172},{"word":"level","start":1601.7899,"end":1602.2899,"confidence":1.0,"punctuated_word":"level?","sentiment":"neutral","sentiment_score":0.02319972962141037},{"word":"you're","start":1606.9249,"end":1607.085,"confidence":0.86157227,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.013744449242949486},{"word":"right","start":1607.085,"end":1607.565,"confidence":0.9902344,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.029069991782307625},{"word":"so","start":1607.565,"end":1607.8049,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01829536259174347},{"word":"at","start":1607.8049,"end":1607.965,"confidence":0.94189453,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.00662115216255188},{"word":"the","start":1607.965,"end":1608.125,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02261406183242798},{"word":"moment","start":1608.125,"end":1608.605,"confidence":0.9848633,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.04656735062599182},{"word":"you're","start":1608.605,"end":1608.9249,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.021298153325915337},{"word":"kind","start":1608.9249,"end":1609.165,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.002276502549648285},{"word":"of","start":1609.165,"end":1609.405,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007507205009460449},{"word":"in","start":1609.405,"end":1609.565,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.010921977460384367},{"word":"that","start":1609.565,"end":1610.065,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04215764999389648},{"word":"fifty","start":1610.445,"end":1610.9249,"confidence":0.86572266,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.015293247997760773},{"word":"fifty","start":1610.9249,"end":1611.4249,"confidence":0.96777344,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.025823518633842468},{"word":"sort","start":1611.485,"end":1611.725,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.014287397265434263},{"word":"of","start":1611.725,"end":1611.965,"confidence":0.79003906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.00254637748003006},{"word":"split","start":1611.965,"end":1612.445,"confidence":0.9941406,"punctuated_word":"split","sentiment":"neutral","sentiment_score":-0.00016430020332336426},{"word":"with","start":1612.445,"end":1612.605,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.005139835178852081},{"word":"those","start":1612.605,"end":1612.845,"confidence":0.99609375,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.04619545489549637},{"word":"growth","start":1612.845,"end":1613.085,"confidence":0.57666016,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.07287610322237015},{"word":"and","start":1613.085,"end":1613.405,"confidence":0.7626953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05532626062631607},{"word":"defensive","start":1613.405,"end":1613.905,"confidence":0.99121094,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.02131596952676773},{"word":"investments","start":1613.965,"end":1614.465,"confidence":0.8227539,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":-0.004600543528795242},{"word":"you","start":1624.86,"end":1625.1,"confidence":0.6591797,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.06809606403112411},{"word":"can","start":1625.1,"end":1625.34,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06511853635311127},{"word":"if","start":1625.34,"end":1625.5,"confidence":0.8989258,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06848303228616714},{"word":"you","start":1625.5,"end":1625.66,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04486933723092079},{"word":"like","start":1625.66,"end":1625.9,"confidence":0.95703125,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.04246663674712181},{"word":"did","start":1625.9,"end":1626.0599,"confidence":0.98828125,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.009218133985996246},{"word":"you","start":1626.0599,"end":1626.22,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01923077553510666},{"word":"want","start":1626.22,"end":1626.38,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.02613168954849243},{"word":"me","start":1626.38,"end":1626.46,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05298697203397751},{"word":"to","start":1626.46,"end":1626.62,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.042544521391391754},{"word":"do","start":1626.62,"end":1626.78,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05327623337507248},{"word":"that","start":1626.78,"end":1626.94,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0493880920112133},{"word":"sort","start":1626.94,"end":1627.18,"confidence":0.984375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.002687968313694},{"word":"of","start":1627.18,"end":1627.26,"confidence":0.97802734,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.050952378660440445},{"word":"fifty","start":1627.26,"end":1627.66,"confidence":0.99902344,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.06564149260520935},{"word":"fifty","start":1627.66,"end":1627.98,"confidence":0.9790039,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.05986218526959419},{"word":"split","start":1627.98,"end":1628.38,"confidence":0.9914551,"punctuated_word":"split?","sentiment":"neutral","sentiment_score":0.07019300758838654},{"word":"i","start":1628.38,"end":1628.46,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09932466596364976},{"word":"can","start":1628.46,"end":1628.62,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09134841710329056},{"word":"look","start":1628.62,"end":1628.78,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08554144948720932},{"word":"at","start":1628.78,"end":1628.94,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09675166755914688},{"word":"the","start":1628.94,"end":1629.02,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10484477877616882},{"word":"investments","start":1629.02,"end":1629.52,"confidence":0.82592773,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.07742121815681458},{"word":"look","start":1629.58,"end":1629.82,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11698384582996368},{"word":"at","start":1629.82,"end":1629.9,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1225688010454178},{"word":"how","start":1629.9,"end":1630.14,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.11828216165304184},{"word":"to","start":1630.14,"end":1630.3,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.121782124042511},{"word":"make","start":1630.3,"end":1630.54,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1209653466939926},{"word":"them","start":1630.54,"end":1630.78,"confidence":0.99316406,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.11282262206077576},{"word":"show","start":1630.78,"end":1631.02,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.17131072282791138},{"word":"you","start":1631.02,"end":1631.18,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.165156751871109},{"word":"what","start":1631.18,"end":1631.34,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.14416110515594482},{"word":"that","start":1631.34,"end":1631.58,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12937436997890472},{"word":"looks","start":1631.58,"end":1631.9,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.10257622599601746},{"word":"like","start":1631.9,"end":1632.14,"confidence":0.923584,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11938896775245668},{"word":"and","start":1632.14,"end":1632.38,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11900856345891953},{"word":"then","start":1632.38,"end":1632.54,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11545877158641817},{"word":"we","start":1632.54,"end":1632.7,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11697849631309508},{"word":"can","start":1632.7,"end":1632.94,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10237999260425568},{"word":"always","start":1632.94,"end":1633.44,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.10859259217977524},{"word":"review","start":1633.815,"end":1634.135,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.08326642215251923},{"word":"that","start":1634.135,"end":1634.5349,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09341602772474288},{"word":"and","start":1634.5349,"end":1634.695,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05670591443777085},{"word":"alter","start":1634.695,"end":1635.095,"confidence":0.97509766,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":0.10672184824943542},{"word":"it","start":1635.095,"end":1635.1749,"confidence":0.8745117,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07583330571651459},{"word":"again","start":1635.1749,"end":1635.495,"confidence":0.99902344,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.07646366953849792},{"word":"in","start":1635.495,"end":1635.735,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07928793132305145},{"word":"a","start":1635.735,"end":1635.815,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0906473472714424},{"word":"few","start":1635.815,"end":1636.0549,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.04876547306776047},{"word":"months","start":1636.0549,"end":1636.2949,"confidence":0.9941406,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.06743607670068741},{"word":"or","start":1636.2949,"end":1636.455,"confidence":0.99316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06893983483314514},{"word":"a","start":1636.455,"end":1636.615,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0207027904689312},{"word":"year's","start":1636.615,"end":1636.855,"confidence":0.9736328,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":-0.010309955105185509},{"word":"time","start":1636.855,"end":1637.1749,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.014579609036445618},{"word":"if","start":1637.1749,"end":1637.335,"confidence":0.98291016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03626164048910141},{"word":"you","start":1637.335,"end":1637.835,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12013499438762663},{"word":"decide","start":1637.8949,"end":1638.215,"confidence":0.7475586,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":-0.15965835750102997},{"word":"you're","start":1638.215,"end":1638.375,"confidence":0.9975586,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.207406684756279},{"word":"not","start":1638.375,"end":1638.5349,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2827902138233185},{"word":"comfortable","start":1638.5349,"end":1639.0149,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.2586110234260559},{"word":"with","start":1639.0149,"end":1639.1749,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1258925199508667},{"word":"that","start":1639.1749,"end":1639.335,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09440649300813676},{"word":"level","start":1639.335,"end":1639.835,"confidence":0.9667969,"punctuated_word":"level.","sentiment":"neutral","sentiment_score":-0.07141362875699997},{"word":"it's","start":1654.07,"end":1654.57,"confidence":0.57263184,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.35350045561790466},{"word":"the","start":1655.99,"end":1656.23,"confidence":0.63378906,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.45165765285491943},{"word":"more","start":1656.23,"end":1656.39,"confidence":0.9819336,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.4448605179786682},{"word":"you","start":1656.39,"end":1656.47,"confidence":0.98535156,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5481019020080566},{"word":"wanna","start":1656.47,"end":1656.87,"confidence":0.92822266,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.52210932970047},{"word":"keep","start":1656.87,"end":1657.37,"confidence":0.5579834,"punctuated_word":"keep.","sentiment":"negative","sentiment_score":-0.43687841296195984},{"word":"yeah","start":1658.405,"end":1658.885,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1581994891166687},{"word":"yeah","start":1658.885,"end":1659.125,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.16192331910133362},{"word":"it's","start":1659.125,"end":1659.365,"confidence":0.77124023,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.16372540593147278},{"word":"kind","start":1659.365,"end":1659.525,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.1039322391152382},{"word":"of","start":1659.525,"end":1659.605,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15013128519058228},{"word":"that","start":1659.605,"end":1659.845,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14372184872627258},{"word":"juggling","start":1659.845,"end":1660.245,"confidence":0.9980469,"punctuated_word":"juggling","sentiment":"neutral","sentiment_score":-0.17027758061885834},{"word":"act","start":1660.245,"end":1660.405,"confidence":0.8269043,"punctuated_word":"act.","sentiment":"neutral","sentiment_score":-0.1315266340970993},{"word":"you","start":1660.405,"end":1660.565,"confidence":0.9951172,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.1169024407863617},{"word":"don't","start":1660.565,"end":1660.725,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10796475410461426},{"word":"wanna","start":1660.725,"end":1660.885,"confidence":0.92822266,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.16908633708953855},{"word":"take","start":1660.885,"end":1661.125,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.22363531589508057},{"word":"on","start":1661.125,"end":1661.285,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.27181175351142883},{"word":"too","start":1661.285,"end":1661.445,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.17499372363090515},{"word":"much","start":1661.445,"end":1661.765,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.18492336571216583},{"word":"risk","start":1661.765,"end":1662.005,"confidence":0.98779297,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.24782942235469815},{"word":"but","start":1662.005,"end":1662.085,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1127866804599762},{"word":"you","start":1662.085,"end":1662.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11191347241401672},{"word":"still","start":1662.245,"end":1662.405,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.04881736636161804},{"word":"want","start":1662.405,"end":1662.565,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.16031165421009064},{"word":"your","start":1662.565,"end":1662.725,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04380153119564056},{"word":"super","start":1662.725,"end":1663.125,"confidence":0.95703125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08834291994571686},{"word":"to","start":1663.125,"end":1663.205,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02904197573661804},{"word":"keep","start":1663.205,"end":1663.525,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.008279085159301758},{"word":"growing","start":1663.525,"end":1663.845,"confidence":0.9980469,"punctuated_word":"growing","sentiment":"neutral","sentiment_score":0.023777946829795837},{"word":"a","start":1663.845,"end":1664.005,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12001988291740416},{"word":"little","start":1664.005,"end":1664.165,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.09605884552001952},{"word":"bit","start":1664.165,"end":1664.405,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11497500538825987},{"word":"too","start":1664.405,"end":1664.8049,"confidence":0.99658203,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":-0.21211214363574984},{"word":"you","start":1664.8049,"end":1664.965,"confidence":0.9873047,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.08256236463785172},{"word":"wanna","start":1664.965,"end":1665.205,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.006455950438976288},{"word":"make","start":1665.205,"end":1665.365,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.022786945104599},{"word":"it","start":1665.365,"end":1665.525,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.020486176013946533},{"word":"last","start":1665.525,"end":1665.765,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.06410767138004303},{"word":"as","start":1665.765,"end":1665.9249,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0221584290266037},{"word":"long","start":1665.9249,"end":1666.165,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.12852507829666138},{"word":"as","start":1666.165,"end":1666.325,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12871520221233368},{"word":"it","start":1666.325,"end":1666.405,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16704057157039642},{"word":"possibly","start":1666.405,"end":1666.885,"confidence":0.99902344,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.1294197142124176},{"word":"can","start":1666.885,"end":1667.285,"confidence":0.84277344,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.1551027148962021},{"word":"absolutely","start":1667.285,"end":1667.785,"confidence":0.99902344,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.3821846842765808},{"word":"well","start":1668.325,"end":1668.485,"confidence":0.96875,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.15991680324077606},{"word":"i'll","start":1668.485,"end":1668.565,"confidence":0.6904297,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17221729457378387},{"word":"tell","start":1668.565,"end":1668.725,"confidence":1.0,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.20709344744682312},{"word":"you","start":1668.725,"end":1668.885,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16842836141586304},{"word":"what","start":1668.885,"end":1669.0449,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12588682770729065},{"word":"i","start":1669.0449,"end":1669.125,"confidence":0.94384766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12978661060333252},{"word":"would","start":1669.125,"end":1669.365,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.17783966660499573},{"word":"probably","start":1669.365,"end":1669.765,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.17686313390731812},{"word":"look","start":1669.765,"end":1670.005,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1144757643342018},{"word":"at","start":1670.005,"end":1670.085,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12518376111984253},{"word":"doing","start":1670.085,"end":1670.405,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.12339533120393752},{"word":"because","start":1670.405,"end":1670.905,"confidence":0.5324707,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.10325902700424194},{"word":"realistically","start":1670.965,"end":1671.465,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.04460611194372177},{"word":"you","start":1671.605,"end":1671.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03305712342262268},{"word":"don't","start":1671.845,"end":1672.085,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07313036918640137},{"word":"wanna","start":1672.085,"end":1672.485,"confidence":0.98291016,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.1214810460805893},{"word":"access","start":1672.485,"end":1672.725,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.247855007648468},{"word":"the","start":1672.725,"end":1672.95,"confidence":0.83251953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10436344146728516},{"word":"money","start":1673.0299,"end":1673.35,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.006445527076721191},{"word":"now","start":1673.35,"end":1673.4299,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.02533841133117676},{"word":"unless","start":1673.4299,"end":1673.9099,"confidence":0.9741211,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.115495465695858},{"word":"you","start":1673.9099,"end":1674.1499,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04586462676525116},{"word":"realistically","start":1674.1499,"end":1674.6499,"confidence":0.9902344,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":-0.04662518948316574},{"word":"have","start":1674.7899,"end":1675.0299,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07200644910335541},{"word":"to","start":1675.0299,"end":1675.5299,"confidence":0.9875488,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.006232127547264099},{"word":"at","start":1675.75,"end":1675.99,"confidence":0.99902344,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.02670419216156006},{"word":"the","start":1675.99,"end":1676.1499,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06342794001102448},{"word":"moment","start":1676.1499,"end":1676.63,"confidence":0.99194336,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.04552655667066574},{"word":"given","start":1676.63,"end":1676.95,"confidence":1.0,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.043880969285964966},{"word":"the","start":1676.95,"end":1677.11,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04475632309913635},{"word":"current","start":1677.11,"end":1677.51,"confidence":0.99902344,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.0214775949716568},{"word":"age","start":1677.51,"end":1677.6699,"confidence":0.88427734,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.053099051117897034},{"word":"pension","start":1677.6699,"end":1678.1699,"confidence":0.99609375,"punctuated_word":"pension,","sentiment":"neutral","sentiment_score":-0.0010289177298545835},{"word":"you","start":1678.5499,"end":1678.7899,"confidence":0.5527344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027352914214134216},{"word":"would","start":1678.7899,"end":1679.11,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0001192241907119751},{"word":"have","start":1679.11,"end":1679.2699,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04249773919582367},{"word":"to","start":1679.2699,"end":1679.4299,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02618451416492462},{"word":"probably","start":1679.4299,"end":1679.83,"confidence":0.99316406,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.07095658779144287},{"word":"start","start":1679.83,"end":1680.1499,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.047293663024902344},{"word":"drawing","start":1680.1499,"end":1680.5499,"confidence":0.9980469,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":-0.0700218677520752},{"word":"down","start":1680.5499,"end":1680.87,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.027082830667495728},{"word":"some","start":1680.87,"end":1681.2699,"confidence":0.97998047,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.03425873816013336},{"word":"out","start":1681.2699,"end":1681.51,"confidence":0.9267578,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.024849697947502136},{"word":"of","start":1681.51,"end":1681.75,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.010631278157234192},{"word":"super","start":1681.75,"end":1682.25,"confidence":0.77856445,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.08687243610620499},{"word":"but","start":1682.63,"end":1682.95,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12028001993894576},{"word":"we","start":1682.95,"end":1683.11,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15303748846054077},{"word":"can","start":1683.11,"end":1683.35,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15637588500976562},{"word":"draw","start":1683.35,"end":1683.59,"confidence":1.0,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.15147718787193298},{"word":"maybe","start":1683.59,"end":1683.9099,"confidence":0.9760742,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.12079453468322754},{"word":"a","start":1683.9099,"end":1684.07,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09202293306589128},{"word":"smaller","start":1684.07,"end":1684.5499,"confidence":0.99902344,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.09630218148231506},{"word":"amount","start":1684.5499,"end":1684.87,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.11724814772605896},{"word":"out","start":1684.87,"end":1685.0299,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.16954973340034485},{"word":"of","start":1685.0299,"end":1685.2699,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1138588935136795},{"word":"each","start":1685.2699,"end":1685.51,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.18215228617191315},{"word":"of","start":1685.51,"end":1685.59,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1705804467201233},{"word":"your","start":1685.59,"end":1685.99,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20284777879714969},{"word":"super","start":1685.99,"end":1686.47,"confidence":0.99316406,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.18723097443580627},{"word":"accounts","start":1686.47,"end":1686.97,"confidence":0.9460449,"punctuated_word":"accounts.","sentiment":"neutral","sentiment_score":0.2593323588371277},{"word":"that","start":1687.11,"end":1687.35,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.24430742859840393},{"word":"way","start":1687.35,"end":1687.85,"confidence":0.7961426,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.31944698095321655},{"word":"you","start":1688.1649,"end":1688.325,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37069907784461975},{"word":"get","start":1688.325,"end":1688.485,"confidence":0.9980469,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.38723012804985046},{"word":"a","start":1688.485,"end":1688.565,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.33295658230781555},{"word":"bit","start":1688.565,"end":1688.725,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.320694237947464},{"word":"more","start":1688.725,"end":1689.125,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2351614236831665},{"word":"longevity","start":1689.125,"end":1689.625,"confidence":0.9980469,"punctuated_word":"longevity","sentiment":"neutral","sentiment_score":0.3275069296360016},{"word":"out","start":1689.6849,"end":1689.845,"confidence":0.99902344,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4617876708507538},{"word":"of","start":1689.845,"end":1689.9249,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3873388171195984},{"word":"both","start":1689.9249,"end":1690.245,"confidence":0.99121094,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.33232253789901733},{"word":"of","start":1690.245,"end":1690.325,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29943034052848816},{"word":"them","start":1690.325,"end":1690.725,"confidence":0.99560547,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.23237796127796173},{"word":"so","start":1690.725,"end":1691.0449,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2104504406452179},{"word":"i","start":1691.0449,"end":1691.205,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27596041560173035},{"word":"can","start":1691.205,"end":1691.705,"confidence":0.9003906,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.2908192276954651},{"word":"just","start":1692.1649,"end":1692.4049,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.32932937145233154},{"word":"if","start":1692.4049,"end":1692.725,"confidence":0.875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.31830352544784546},{"word":"you","start":1692.725,"end":1692.885,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27083736658096313},{"word":"want","start":1692.885,"end":1693.365,"confidence":0.9975586,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":0.2171015739440918},{"word":"look","start":1693.365,"end":1693.605,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.17416945099830627},{"word":"at","start":1693.605,"end":1693.765,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.23606230318546295},{"word":"doing","start":1693.765,"end":1694.005,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2719181180000305},{"word":"a","start":1694.005,"end":1694.1649,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2755086421966553},{"word":"portfolio","start":1694.1649,"end":1694.6649,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.23391041159629825},{"word":"that","start":1694.725,"end":1694.965,"confidence":0.97802734,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3113219738006592},{"word":"gives","start":1694.965,"end":1695.205,"confidence":1.0,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.22631694376468656},{"word":"you","start":1695.205,"end":1695.2849,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24461670219898224},{"word":"that","start":1695.2849,"end":1695.5249,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2354128509759903},{"word":"fifty","start":1695.5249,"end":1695.9249,"confidence":1.0,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.2722358703613281},{"word":"fifty","start":1695.9249,"end":1696.245,"confidence":0.9741211,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.26875343918800354},{"word":"split","start":1696.245,"end":1696.725,"confidence":0.9980469,"punctuated_word":"split","sentiment":"positive","sentiment_score":0.3471539318561554},{"word":"that","start":1696.725,"end":1696.965,"confidence":0.68310547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3020835220813751},{"word":"gives","start":1696.965,"end":1697.205,"confidence":0.99902344,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.29472634196281433},{"word":"you","start":1697.205,"end":1697.445,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33415722846984863},{"word":"50%","start":1697.445,"end":1698.1649,"confidence":0.99560547,"punctuated_word":"50%","sentiment":"positive","sentiment_score":0.3544251620769501},{"word":"growth","start":1698.1649,"end":1698.485,"confidence":0.9716797,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2742719054222107},{"word":"investment","start":1698.485,"end":1698.985,"confidence":0.7648926,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.254971981048584},{"word":"50%","start":1699.0449,"end":1699.765,"confidence":0.9980469,"punctuated_word":"50%","sentiment":"positive","sentiment_score":0.4072796404361725},{"word":"defensive","start":1699.765,"end":1700.245,"confidence":0.5773926,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":0.27942633628845215},{"word":"so","start":1700.245,"end":1700.485,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3216778635978699},{"word":"you","start":1700.485,"end":1700.725,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4450926780700683},{"word":"are","start":1700.725,"end":1700.965,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4283949136734009},{"word":"very","start":1700.965,"end":1701.205,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.4884064793586731},{"word":"much","start":1701.205,"end":1701.6849,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4642075598239898},{"word":"lowering","start":1701.6849,"end":1702.085,"confidence":0.8588867,"punctuated_word":"lowering","sentiment":"positive","sentiment_score":0.363144725561142},{"word":"the","start":1702.085,"end":1702.245,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3684248924255371},{"word":"risk","start":1702.245,"end":1702.485,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.08117902278900146},{"word":"level","start":1702.485,"end":1702.8049,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.20441503822803497},{"word":"and","start":1702.8049,"end":1702.965,"confidence":0.89453125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28303301334381104},{"word":"keeping","start":1702.965,"end":1703.465,"confidence":0.99316406,"punctuated_word":"keeping,","sentiment":"neutral","sentiment_score":0.3023218810558319},{"word":"you","start":1703.7799,"end":1703.94,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2264820337295532},{"word":"know","start":1703.94,"end":1704.1,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.27870166301727295},{"word":"some","start":1704.1,"end":1704.34,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3953334391117096},{"word":"growth","start":1704.34,"end":1704.74,"confidence":0.9628906,"punctuated_word":"growth,","sentiment":"positive","sentiment_score":0.3715981841087342},{"word":"some","start":1704.74,"end":1705.1399,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.429468035697937},{"word":"low","start":1705.1399,"end":1705.38,"confidence":0.97509766,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.2981245517730713},{"word":"risk","start":1705.38,"end":1705.7,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.13205713033676147},{"word":"investments","start":1705.7,"end":1706.2,"confidence":0.82958984,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.31882038712501526},{"word":"there","start":1706.26,"end":1706.76,"confidence":0.9716797,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.3199840486049652},{"word":"look","start":1707.38,"end":1707.62,"confidence":0.90234375,"punctuated_word":"Look","sentiment":"neutral","sentiment_score":0.21056365966796875},{"word":"at","start":1707.62,"end":1707.7799,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.28324586153030396},{"word":"rejigging","start":1707.7799,"end":1708.2799,"confidence":0.84680176,"punctuated_word":"rejigging","sentiment":"neutral","sentiment_score":0.2046569287776947},{"word":"the","start":1708.34,"end":1708.5,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16013778746128082},{"word":"portfolio","start":1708.5,"end":1709.0,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.09696204960346222},{"word":"to","start":1709.22,"end":1709.38,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1800267994403839},{"word":"see","start":1709.38,"end":1709.5399,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.16571161150932312},{"word":"what","start":1709.5399,"end":1709.7799,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.14678382873535156},{"word":"that","start":1709.7799,"end":1710.0199,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1475762128829956},{"word":"looks","start":1710.0199,"end":1710.26,"confidence":0.99902344,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.09042751789093018},{"word":"like","start":1710.26,"end":1710.58,"confidence":0.9926758,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.12397360801696776},{"word":"how","start":1710.58,"end":1710.82,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.152164489030838},{"word":"that","start":1710.82,"end":1711.1399,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13746386766433716},{"word":"affects","start":1711.1399,"end":1711.62,"confidence":0.9970703,"punctuated_word":"affects","sentiment":"neutral","sentiment_score":0.22234369814395905},{"word":"you","start":1711.62,"end":1711.86,"confidence":0.99658203,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2302374243736267},{"word":"i","start":1711.86,"end":1711.94,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2386171668767929},{"word":"can","start":1711.94,"end":1712.1799,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23568330705165863},{"word":"show","start":1712.1799,"end":1712.4199,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.2625705599784851},{"word":"you","start":1712.4199,"end":1712.58,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28633326292037964},{"word":"the","start":1712.58,"end":1712.82,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2450219690799713},{"word":"advice","start":1712.82,"end":1713.2999,"confidence":0.92089844,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.23174236714839935},{"word":"documents","start":1713.2999,"end":1713.7799,"confidence":0.6191406,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.1989862322807312},{"word":"that","start":1713.7799,"end":1714.0199,"confidence":0.7001953,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2516772449016571},{"word":"shows","start":1714.0199,"end":1714.34,"confidence":0.99121094,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.22188252210617063},{"word":"you","start":1714.34,"end":1714.58,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23377566039562225},{"word":"what","start":1714.58,"end":1714.74,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.24467770755290985},{"word":"we're","start":1714.74,"end":1714.98,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.24777278304100037},{"word":"recommending","start":1714.98,"end":1715.48,"confidence":1.0,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.26616978645324707},{"word":"you","start":1715.5399,"end":1715.7799,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24024470150470736},{"word":"invest","start":1715.7799,"end":1716.1799,"confidence":0.9980469,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.10400363802909852},{"word":"in","start":1716.1799,"end":1716.6799,"confidence":0.96777344,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.2009471356868744},{"word":"the","start":1717.385,"end":1717.625,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2098238617181778},{"word":"risk","start":1717.625,"end":1717.865,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.08730659633874893},{"word":"level","start":1717.865,"end":1718.365,"confidence":0.9995117,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":0.14865002036094666},{"word":"the","start":1718.585,"end":1718.825,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1753615438938141},{"word":"cost","start":1718.825,"end":1719.1449,"confidence":0.99316406,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.16182628273963928},{"word":"of","start":1719.1449,"end":1719.3049,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16649112105369568},{"word":"doing","start":1719.3049,"end":1719.705,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.16874054074287417},{"word":"so","start":1719.705,"end":1720.205,"confidence":0.9875488,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.17777371406555176},{"word":"and","start":1720.345,"end":1720.745,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.246600478887558},{"word":"the","start":1720.745,"end":1720.9049,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22144611179828644},{"word":"future","start":1720.9049,"end":1721.3049,"confidence":0.99902344,"punctuated_word":"future","sentiment":"neutral","sentiment_score":0.09771930426359177},{"word":"projections","start":1721.3049,"end":1721.8049,"confidence":0.9980469,"punctuated_word":"projections","sentiment":"neutral","sentiment_score":0.1776753067970276},{"word":"on","start":1721.865,"end":1722.0249,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22383800148963928},{"word":"how","start":1722.0249,"end":1722.2649,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.15336591005325317},{"word":"this","start":1722.2649,"end":1722.505,"confidence":0.9863281,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.11604844033718108},{"word":"affects","start":1722.505,"end":1722.9049,"confidence":0.96240234,"punctuated_word":"affects","sentiment":"neutral","sentiment_score":0.19500978291034696},{"word":"your","start":1722.9049,"end":1723.1449,"confidence":0.91845703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2415166199207306},{"word":"super","start":1723.1449,"end":1723.5449,"confidence":0.94189453,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.279493510723114},{"word":"long","start":1723.5449,"end":1723.7849,"confidence":0.9970703,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.3117622435092926},{"word":"term","start":1723.7849,"end":1724.2849,"confidence":0.7409668,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":0.27056199312210083},{"word":"and","start":1724.825,"end":1724.985,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1690601408481598},{"word":"then","start":1724.985,"end":1725.3049,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1523773968219757},{"word":"look","start":1725.3049,"end":1725.5449,"confidence":0.99316406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13162505626678467},{"word":"at","start":1725.5449,"end":1725.705,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12888063490390778},{"word":"how","start":1725.705,"end":1726.0249,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.13574723899364471},{"word":"we","start":1726.0249,"end":1726.1849,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1563601195812225},{"word":"would","start":1726.1849,"end":1726.505,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1929796189069748},{"word":"draw","start":1726.505,"end":1726.745,"confidence":1.0,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.1297580599784851},{"word":"down","start":1726.745,"end":1727.1449,"confidence":0.9863281,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.10499313473701476},{"word":"how","start":1727.1449,"end":1727.3049,"confidence":0.9111328,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.11004514247179031},{"word":"long","start":1727.3049,"end":1727.5449,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.08109939098358154},{"word":"your","start":1727.5449,"end":1727.705,"confidence":0.93408203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14817002415657043},{"word":"super","start":1727.705,"end":1728.105,"confidence":0.9580078,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.18063271045684817},{"word":"is","start":1728.105,"end":1728.2649,"confidence":0.9013672,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14162865281105042},{"word":"expected","start":1728.2649,"end":1728.745,"confidence":1.0,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.09448780119419098},{"word":"to","start":1728.745,"end":1728.9049,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1256316602230072},{"word":"last","start":1728.9049,"end":1729.35,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.11628730595111848},{"word":"given","start":1729.6699,"end":1730.07,"confidence":0.99316406,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.16128847002983093},{"word":"age","start":1730.07,"end":1730.39,"confidence":0.96875,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.026143789291381836},{"word":"pension","start":1730.39,"end":1730.87,"confidence":0.8520508,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.0510561466217041},{"word":"circumstances","start":1730.87,"end":1731.37,"confidence":0.984375,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":0.08608932048082352},{"word":"when","start":1731.59,"end":1731.83,"confidence":0.9892578,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.13338640332221985},{"word":"you","start":1731.83,"end":1731.99,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11815589666366576},{"word":"hit","start":1731.99,"end":1732.23,"confidence":0.99902344,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.08491501212120056},{"word":"67","start":1732.23,"end":1732.87,"confidence":0.97229004,"punctuated_word":"67,","sentiment":"neutral","sentiment_score":0.10464194416999816},{"word":"robin","start":1732.87,"end":1733.35,"confidence":0.9655762,"punctuated_word":"Robin.","sentiment":"neutral","sentiment_score":0.11367633193731308},{"word":"does","start":1733.35,"end":1733.51,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.11726262420415878},{"word":"that","start":1733.51,"end":1733.6699,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1681058704853058},{"word":"sound","start":1733.6699,"end":1733.99,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.09134528040885924},{"word":"okay","start":1733.99,"end":1734.49,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.09125862270593645},{"word":"yep","start":1736.71,"end":1737.21,"confidence":0.9555664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.015047933906316755},{"word":"sure","start":1738.23,"end":1738.73,"confidence":1.0,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.01640327274799347},{"word":"with","start":1746.085,"end":1746.585,"confidence":0.92822266,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.03018653392791748},{"word":"portfolio","start":1746.725,"end":1747.225,"confidence":0.9604492,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.017773985862731934},{"word":"wise","start":1747.365,"end":1747.865,"confidence":0.9453125,"punctuated_word":"wise?","sentiment":"neutral","sentiment_score":-0.011607203632593157},{"word":"yeah","start":1749.925,"end":1750.325,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07544789463281631},{"word":"it's","start":1750.325,"end":1750.8049,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.23047465085983276},{"word":"very","start":1750.8049,"end":1751.125,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.27599257230758667},{"word":"much","start":1751.125,"end":1751.605,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.21195055544376373},{"word":"not","start":1751.605,"end":1751.725,"confidence":0.8642578,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2985868752002716},{"word":"so","start":1751.845,"end":1752.005,"confidence":0.6557617,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.28454869985580444},{"word":"much","start":1752.005,"end":1752.245,"confidence":0.9741211,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.25909891724586487},{"word":"a","start":1752.245,"end":1752.405,"confidence":0.74365234,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.34207484126091003},{"word":"stock","start":1752.405,"end":1752.645,"confidence":0.9873047,"punctuated_word":"stock","sentiment":"negative","sentiment_score":-0.435364305973053},{"word":"standard","start":1752.645,"end":1753.045,"confidence":0.76586914,"punctuated_word":"standard.","sentiment":"neutral","sentiment_score":-0.10155443847179411},{"word":"it's","start":1753.045,"end":1753.285,"confidence":0.79345703,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.18146690726280212},{"word":"very","start":1753.285,"end":1753.525,"confidence":0.99609375,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.23493295907974243},{"word":"much","start":1753.525,"end":1753.6849,"confidence":0.99902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.228710874915123},{"word":"a","start":1753.6849,"end":1753.845,"confidence":0.93359375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1989397257566452},{"word":"very","start":1753.845,"end":1754.165,"confidence":0.9941406,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.15568901598453522},{"word":"an","start":1754.405,"end":1754.645,"confidence":0.9941406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1920619159936905},{"word":"individual","start":1754.645,"end":1755.145,"confidence":1.0,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":0.2290160059928894},{"word":"choice","start":1755.365,"end":1755.865,"confidence":0.7805176,"punctuated_word":"choice,","sentiment":"neutral","sentiment_score":0.15524454414844513},{"word":"but","start":1757.83,"end":1757.99,"confidence":0.83740234,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2619597911834717},{"word":"a","start":1757.99,"end":1758.07,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.37368738651275635},{"word":"lot","start":1758.07,"end":1758.23,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.3627338409423828},{"word":"of","start":1758.23,"end":1758.3099,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3960679769515991},{"word":"people","start":1758.3099,"end":1758.79,"confidence":0.99902344,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.3318036198616028},{"word":"going","start":1758.79,"end":1759.11,"confidence":0.94140625,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.46175846457481384},{"word":"into","start":1759.11,"end":1759.59,"confidence":0.99121094,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.4110332727432251},{"word":"sort","start":1759.59,"end":1759.83,"confidence":0.95703125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.3083345890045166},{"word":"of","start":1759.83,"end":1759.91,"confidence":0.99609375,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3687012195587158},{"word":"that","start":1759.91,"end":1760.15,"confidence":0.99121094,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3957739472389221},{"word":"retirement","start":1760.15,"end":1760.65,"confidence":0.99902344,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.2275308072566986},{"word":"aspect","start":1760.79,"end":1761.29,"confidence":0.8845215,"punctuated_word":"aspect,","sentiment":"positive","sentiment_score":0.33336910605430603},{"word":"i","start":1761.67,"end":1761.83,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6139793992042542},{"word":"do","start":1761.83,"end":1761.99,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5922650694847107},{"word":"have","start":1761.99,"end":1762.23,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.548105001449585},{"word":"some","start":1762.23,"end":1762.39,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.47119584679603577},{"word":"people","start":1762.39,"end":1762.71,"confidence":1.0,"punctuated_word":"people","sentiment":"positive","sentiment_score":0.49224355816841125},{"word":"who","start":1762.71,"end":1762.87,"confidence":1.0,"punctuated_word":"who","sentiment":"positive","sentiment_score":0.5163396000862122},{"word":"are","start":1762.87,"end":1763.03,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.43719154596328735},{"word":"comfortable","start":1763.03,"end":1763.51,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"positive","sentiment_score":0.4330855906009674},{"word":"in","start":1763.51,"end":1763.67,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5067377090454102},{"word":"that","start":1763.67,"end":1763.91,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5086855292320251},{"word":"balance","start":1763.91,"end":1764.3099,"confidence":0.9482422,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.2997767925262451},{"word":"sort","start":1764.3099,"end":1764.47,"confidence":0.7939453,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.3328831195831299},{"word":"of","start":1764.47,"end":1764.63,"confidence":0.9838867,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4968144297599793},{"word":"fifty","start":1764.63,"end":1764.95,"confidence":0.99609375,"punctuated_word":"fifty","sentiment":"positive","sentiment_score":0.457332044839859},{"word":"fifty","start":1764.95,"end":1765.27,"confidence":0.9716797,"punctuated_word":"fifty","sentiment":"positive","sentiment_score":0.49082693457603455},{"word":"area","start":1765.27,"end":1765.67,"confidence":0.9951172,"punctuated_word":"area.","sentiment":"positive","sentiment_score":0.4278990030288696},{"word":"there's","start":1765.67,"end":1766.17,"confidence":0.99902344,"punctuated_word":"There's","sentiment":"positive","sentiment_score":0.46129560470581055},{"word":"nothing","start":1766.3099,"end":1766.71,"confidence":1.0,"punctuated_word":"nothing","sentiment":"positive","sentiment_score":0.3976803421974182},{"word":"wrong","start":1766.71,"end":1766.95,"confidence":1.0,"punctuated_word":"wrong","sentiment":"positive","sentiment_score":0.38413628935813904},{"word":"with","start":1766.95,"end":1767.11,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4361894726753235},{"word":"that","start":1767.11,"end":1767.35,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4479429423809051},{"word":"in","start":1767.35,"end":1767.51,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4416961073875427},{"word":"any","start":1767.51,"end":1767.75,"confidence":0.9970703,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.4172994196414947},{"word":"way","start":1767.75,"end":1767.99,"confidence":0.9213867,"punctuated_word":"way,","sentiment":"positive","sentiment_score":0.3678132891654968},{"word":"shape","start":1767.99,"end":1768.3099,"confidence":0.97314453,"punctuated_word":"shape,","sentiment":"positive","sentiment_score":0.4865529537200928},{"word":"or","start":1768.3099,"end":1768.47,"confidence":0.99902344,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.43457287549972534},{"word":"form","start":1768.47,"end":1768.97,"confidence":1.0,"punctuated_word":"form.","sentiment":"positive","sentiment_score":0.4153286218643189},{"word":"it","start":1770.685,"end":1770.925,"confidence":0.9970703,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5437333583831787},{"word":"generally","start":1770.925,"end":1771.425,"confidence":0.99121094,"punctuated_word":"generally","sentiment":"positive","sentiment_score":0.6126444935798645},{"word":"still","start":1771.485,"end":1771.805,"confidence":0.9970703,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5510086417198181},{"word":"can","start":1771.805,"end":1772.2051,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5218413472175598},{"word":"suit","start":1772.2051,"end":1772.525,"confidence":0.9399414,"punctuated_word":"suit,","sentiment":"positive","sentiment_score":0.5058618783950806},{"word":"you","start":1772.525,"end":1772.605,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4889550507068634},{"word":"know","start":1772.605,"end":1772.925,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.5269827842712402},{"word":"someone","start":1772.925,"end":1773.165,"confidence":0.9873047,"punctuated_word":"someone","sentiment":"positive","sentiment_score":0.5168641805648804},{"word":"who's","start":1773.165,"end":1773.485,"confidence":0.9885254,"punctuated_word":"who's","sentiment":"positive","sentiment_score":0.44060659408569336},{"word":"got","start":1773.485,"end":1773.645,"confidence":0.9658203,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4515480697154999},{"word":"about","start":1773.645,"end":1773.885,"confidence":0.9980469,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.3938676714897156},{"word":"three","start":1773.885,"end":1774.125,"confidence":1.0,"punctuated_word":"three","sentiment":"positive","sentiment_score":0.4003975987434387},{"word":"years","start":1774.125,"end":1774.365,"confidence":0.99902344,"punctuated_word":"years","sentiment":"positive","sentiment_score":0.4318603575229645},{"word":"to","start":1774.365,"end":1774.525,"confidence":0.7363281,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5191166400909424},{"word":"accessing","start":1774.525,"end":1775.005,"confidence":0.9526367,"punctuated_word":"accessing","sentiment":"positive","sentiment_score":0.4429936408996582},{"word":"a","start":1775.005,"end":1775.165,"confidence":0.3864746,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4778554439544678},{"word":"super","start":1775.165,"end":1775.405,"confidence":0.2763672,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.5280045866966248},{"word":"you","start":1775.405,"end":1775.645,"confidence":0.96875,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5214295387268066},{"word":"can","start":1775.645,"end":1775.885,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5192554593086243},{"word":"go","start":1775.885,"end":1776.125,"confidence":0.9838867,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4798361361026764},{"word":"into","start":1776.125,"end":1776.4451,"confidence":0.9970703,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.44504761695861816},{"word":"retirement","start":1776.4451,"end":1776.8451,"confidence":0.99316406,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.412297636270523},{"word":"in","start":1776.8451,"end":1777.0851,"confidence":0.9970703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4311503767967224},{"word":"that","start":1777.0851,"end":1777.3251,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4557939767837525},{"word":"sort","start":1777.3251,"end":1777.5651,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.3630053997039795},{"word":"of","start":1777.5651,"end":1777.645,"confidence":0.88720703,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4527324140071869},{"word":"area","start":1777.645,"end":1777.9651,"confidence":0.9880371,"punctuated_word":"area.","sentiment":"positive","sentiment_score":0.4246448874473572},{"word":"there's","start":1777.9651,"end":1778.2051,"confidence":1.0,"punctuated_word":"There's","sentiment":"positive","sentiment_score":0.3759381175041199},{"word":"nothing","start":1778.2051,"end":1778.525,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":0.3236268162727356},{"word":"wrong","start":1778.525,"end":1778.765,"confidence":1.0,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":0.2519889175891876},{"word":"with","start":1778.765,"end":1779.005,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3329637348651886},{"word":"it","start":1779.005,"end":1779.505,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.30280637741088867},{"word":"if","start":1780.125,"end":1780.285,"confidence":0.7651367,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.22764024138450625},{"word":"we","start":1780.285,"end":1780.525,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17684298753738403},{"word":"look","start":1780.525,"end":1781.005,"confidence":0.97314453,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.16697727143764496},{"word":"at","start":1781.005,"end":1781.505,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1924593150615692},{"word":"more","start":1781.5651,"end":1781.725,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.17109479010105133},{"word":"of","start":1781.725,"end":1781.885,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.140191912651062},{"word":"a","start":1781.885,"end":1781.9651,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15120965242385864},{"word":"balanced","start":1781.9651,"end":1782.4651,"confidence":0.8925781,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.12738367915153503},{"word":"portfolio","start":1782.525,"end":1783.025,"confidence":0.9428711,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.17420750856399536},{"word":"which","start":1783.0851,"end":1783.3251,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.15922677516937256},{"word":"is","start":1783.3251,"end":1783.77,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1821635216474533},{"word":"more","start":1783.93,"end":1784.17,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.15350666642189026},{"word":"of","start":1784.17,"end":1784.25,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16909639537334442},{"word":"a","start":1784.25,"end":1784.41,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1812240183353424},{"word":"sixty","start":1784.41,"end":1784.91,"confidence":0.9970703,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.1809036135673523},{"word":"thirty","start":1785.05,"end":1785.55,"confidence":0.9243164,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.17639760673046112},{"word":"split","start":1785.6901,"end":1786.1901,"confidence":0.98583984,"punctuated_word":"split,","sentiment":"neutral","sentiment_score":0.13251684606075287},{"word":"you'd","start":1786.5701,"end":1786.81,"confidence":0.9921875,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.11176034063100816},{"word":"be","start":1786.81,"end":1787.21,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13467490673065186},{"word":"expecting","start":1787.21,"end":1787.71,"confidence":0.9873047,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":0.1916322112083435},{"word":"or","start":1787.77,"end":1788.01,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.17333412170410156},{"word":"averaging","start":1788.01,"end":1788.49,"confidence":0.99902344,"punctuated_word":"averaging","sentiment":"neutral","sentiment_score":0.24386537075042725},{"word":"returns","start":1788.49,"end":1788.89,"confidence":0.99902344,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.27259361743927},{"word":"of","start":1788.89,"end":1789.13,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2036004215478897},{"word":"hopefully","start":1789.13,"end":1789.53,"confidence":0.56933594,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":0.2431803792715073},{"word":"about","start":1789.53,"end":1789.85,"confidence":0.8330078,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2470703721046448},{"word":"five","start":1789.85,"end":1790.09,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.24915924668312073},{"word":"to","start":1790.09,"end":1790.25,"confidence":0.9448242,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12451633810997008},{"word":"7%","start":1790.25,"end":1790.89,"confidence":0.9995117,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.2431604564189911},{"word":"on","start":1790.89,"end":1791.05,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14805147051811218},{"word":"a","start":1791.05,"end":1791.13,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15035869181156158},{"word":"yearly","start":1791.13,"end":1791.53,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.12681734561920166},{"word":"basis","start":1791.53,"end":1792.03,"confidence":0.7548828,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.06247803196310997},{"word":"and","start":1792.3301,"end":1792.49,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.15535631775856018},{"word":"you","start":1792.49,"end":1792.65,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1919207125902176},{"word":"still","start":1792.65,"end":1792.97,"confidence":0.99121094,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.24302008748054504},{"word":"have","start":1792.97,"end":1793.13,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2448684275150299},{"word":"a","start":1793.13,"end":1793.21,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.29795190691947937},{"word":"negative","start":1793.21,"end":1793.61,"confidence":1.0,"punctuated_word":"negative","sentiment":"negative","sentiment_score":-0.4213631749153137},{"word":"return","start":1793.61,"end":1793.93,"confidence":0.7188721,"punctuated_word":"return,","sentiment":"negative","sentiment_score":-0.5484622120857239},{"word":"the","start":1793.93,"end":1794.09,"confidence":0.99609375,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4439905285835266},{"word":"likelihood","start":1794.09,"end":1794.5701,"confidence":0.99902344,"punctuated_word":"likelihood","sentiment":"negative","sentiment_score":-0.5379760265350342},{"word":"of","start":1794.5701,"end":1794.73,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.43982163071632385},{"word":"a","start":1794.73,"end":1794.81,"confidence":0.9770508,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5391599535942078},{"word":"negative","start":1794.81,"end":1795.13,"confidence":0.99316406,"punctuated_word":"negative","sentiment":"negative","sentiment_score":-0.5330286622047424},{"word":"return","start":1795.13,"end":1795.4501,"confidence":0.83251953,"punctuated_word":"return,","sentiment":"negative","sentiment_score":-0.54807049036026},{"word":"one","start":1795.4501,"end":1795.6901,"confidence":0.9951172,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.5437960028648376},{"word":"in","start":1795.6901,"end":1795.85,"confidence":0.95410156,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4959072172641754},{"word":"every","start":1795.85,"end":1796.17,"confidence":0.99902344,"punctuated_word":"every","sentiment":"negative","sentiment_score":-0.46228671073913574},{"word":"seven","start":1796.17,"end":1796.49,"confidence":0.99902344,"punctuated_word":"seven","sentiment":"negative","sentiment_score":-0.5660485029220581},{"word":"years","start":1796.49,"end":1796.89,"confidence":0.93603516,"punctuated_word":"years.","sentiment":"negative","sentiment_score":-0.4513983130455017},{"word":"so","start":1796.89,"end":1797.315,"confidence":0.9560547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11659035086631776},{"word":"it","start":1797.3949,"end":1797.475,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09986212104558943},{"word":"is","start":1797.475,"end":1797.715,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10416993498802184},{"word":"still","start":1797.715,"end":1798.0349,"confidence":0.9291992,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.12960931658744812},{"word":"lowering","start":1798.0349,"end":1798.5149,"confidence":0.9863281,"punctuated_word":"lowering","sentiment":"neutral","sentiment_score":-0.15801475942134857},{"word":"the","start":1798.5149,"end":1798.595,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21333493292331696},{"word":"risk","start":1798.595,"end":1798.995,"confidence":1.0,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.3575277030467987},{"word":"level","start":1798.995,"end":1799.495,"confidence":0.748291,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":-0.2445203810930252},{"word":"still","start":1799.6349,"end":1800.0349,"confidence":0.9116211,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0021341294050216675},{"word":"expecting","start":1800.0349,"end":1800.5349,"confidence":0.9980469,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":0.019595816731452945},{"word":"good","start":1800.595,"end":1800.995,"confidence":0.93359375,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.045901328325271606},{"word":"return","start":1800.995,"end":1801.495,"confidence":0.8105469,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.0003311261534690857},{"word":"but","start":1802.2749,"end":1802.4349,"confidence":0.66845703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.045944057404994965},{"word":"just","start":1802.4349,"end":1802.6749,"confidence":0.56884766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.042944446206092834},{"word":"not","start":1802.6749,"end":1802.995,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.030287235975265503},{"word":"taking","start":1802.995,"end":1803.315,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.2108277976512909},{"word":"a","start":1803.315,"end":1803.5549,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2266092300415039},{"word":"huge","start":1803.5549,"end":1803.955,"confidence":1.0,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":-0.2620954215526581},{"word":"amount","start":1803.955,"end":1804.355,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.3027533292770386},{"word":"of","start":1804.355,"end":1804.5149,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3116041123867035},{"word":"risk","start":1804.5149,"end":1804.835,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.3919221162796021},{"word":"at","start":1804.835,"end":1804.995,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10503807663917542},{"word":"the","start":1804.995,"end":1805.075,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1182757169008255},{"word":"same","start":1805.075,"end":1805.315,"confidence":0.99902344,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.060586825013160706},{"word":"time","start":1805.315,"end":1805.6349,"confidence":0.99853516,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.09070083498954772},{"word":"does","start":1805.6349,"end":1805.875,"confidence":0.99609375,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.06989341974258423},{"word":"that","start":1805.875,"end":1806.0349,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10861698538064957},{"word":"make","start":1806.0349,"end":1806.2749,"confidence":0.9921875,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.101367250084877},{"word":"sense","start":1806.2749,"end":1806.7749,"confidence":0.9995117,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.01734248921275139},{"word":"yeah","start":1809.075,"end":1809.575,"confidence":0.9577637,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01940980926156044},{"word":"no","start":1815.5299,"end":1815.69,"confidence":0.9279785,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1410411149263382},{"word":"the","start":1815.69,"end":1815.85,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0953591912984848},{"word":"fifty","start":1815.85,"end":1816.25,"confidence":0.99902344,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":-0.03459824621677399},{"word":"fifty","start":1816.25,"end":1816.6499,"confidence":0.9951172,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.00003524124622344971},{"word":"is","start":1816.6499,"end":1816.8899,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06277544796466827},{"word":"definitely","start":1816.8899,"end":1817.3899,"confidence":1.0,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.06263431906700134},{"word":"less","start":1817.61,"end":1818.11,"confidence":0.99072266,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":-0.03801761567592621},{"word":"the","start":1818.1699,"end":1818.4099,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.09479653090238573},{"word":"70","start":1818.4099,"end":1818.8899,"confidence":0.99609375,"punctuated_word":"70","sentiment":"neutral","sentiment_score":0.1655898094177246},{"word":"30","start":1818.8899,"end":1819.2899,"confidence":0.98828125,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.2098993957042694},{"word":"is","start":1819.2899,"end":1819.45,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05968911945819855},{"word":"taking","start":1819.45,"end":1819.85,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.06412911415100098},{"word":"more","start":1819.85,"end":1820.1699,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.00934678316116333},{"word":"risk","start":1820.1699,"end":1820.57,"confidence":0.64208984,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.0228927880525589},{"word":"that's","start":1820.57,"end":1820.8899,"confidence":0.91430664,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08469508588314056},{"word":"70%","start":1820.8899,"end":1821.69,"confidence":0.99853516,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.12799891829490662},{"word":"growth","start":1821.69,"end":1822.1699,"confidence":0.8574219,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.14260850846767426},{"word":"investment","start":1822.1699,"end":1822.6699,"confidence":0.81103516,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.08419863879680634},{"word":"30%","start":1823.425,"end":1824.145,"confidence":0.99902344,"punctuated_word":"30%","sentiment":"neutral","sentiment_score":0.15502682328224182},{"word":"defensive","start":1824.145,"end":1824.645,"confidence":0.77612305,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":0.038062602281570435},{"word":"the","start":1826.0651,"end":1826.385,"confidence":0.85058594,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0605979822576046},{"word":"other","start":1826.385,"end":1826.625,"confidence":0.3803711,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.05277203768491745},{"word":"first","start":1826.625,"end":1826.9451,"confidence":0.69189453,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.09000108391046524},{"word":"one","start":1826.9451,"end":1827.185,"confidence":0.99609375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06883873790502548},{"word":"we","start":1827.185,"end":1827.345,"confidence":0.98535156,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13949277997016907},{"word":"went","start":1827.345,"end":1827.505,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.1687140017747879},{"word":"through","start":1827.505,"end":1827.8251,"confidence":0.8942871,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.13394999504089355},{"word":"which","start":1827.8251,"end":1827.985,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.13772261142730713},{"word":"is","start":1827.985,"end":1828.305,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10703800618648528},{"word":"the","start":1828.305,"end":1828.545,"confidence":0.9248047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10801371932029724},{"word":"defensive","start":1828.545,"end":1829.045,"confidence":0.9819336,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.012418240308761597},{"word":"portfolio","start":1829.185,"end":1829.685,"confidence":0.9790039,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.03289943188428879},{"word":"which","start":1829.8251,"end":1830.0651,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.10256867110729218},{"word":"is","start":1830.0651,"end":1830.305,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07797492295503616},{"word":"sort","start":1830.305,"end":1830.545,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07581095397472382},{"word":"of","start":1830.545,"end":1830.785,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08701439201831818},{"word":"30%","start":1830.785,"end":1831.5851,"confidence":0.9995117,"punctuated_word":"30%","sentiment":"neutral","sentiment_score":0.1294877976179123},{"word":"growth","start":1831.5851,"end":1831.985,"confidence":0.90893555,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.12091203033924104},{"word":"70%","start":1831.985,"end":1832.785,"confidence":0.9995117,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.14983926713466644},{"word":"defensive","start":1832.785,"end":1833.285,"confidence":0.7644043,"punctuated_word":"defensive,","sentiment":"neutral","sentiment_score":0.05047942325472832},{"word":"that","start":1833.345,"end":1833.505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11876142770051956},{"word":"one","start":1833.505,"end":1833.745,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.11225973069667816},{"word":"is","start":1833.745,"end":1833.905,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10870414227247238},{"word":"the","start":1833.905,"end":1834.0651,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08865514397621155},{"word":"lowest","start":1834.0651,"end":1834.465,"confidence":1.0,"punctuated_word":"lowest","sentiment":"neutral","sentiment_score":0.04845482110977173},{"word":"kind","start":1834.465,"end":1834.7051,"confidence":0.9716797,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.027405068278312683},{"word":"of","start":1834.7051,"end":1834.865,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.027774140238761905},{"word":"risk","start":1834.865,"end":1835.185,"confidence":0.9741211,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.0988212376832962},{"word":"that","start":1835.185,"end":1835.345,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03660130500793457},{"word":"you","start":1835.345,"end":1835.505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034568339586257935},{"word":"do","start":1835.505,"end":1835.745,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0868455022573471},{"word":"get","start":1835.745,"end":1836.15,"confidence":0.78344727,"punctuated_word":"get.","sentiment":"neutral","sentiment_score":0.03655155375599861},{"word":"but","start":1836.39,"end":1836.63,"confidence":0.9863281,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06674452871084213},{"word":"you're","start":1836.63,"end":1836.79,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.09125471115112305},{"word":"also","start":1836.79,"end":1837.1901,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.0735449343919754},{"word":"taking","start":1837.1901,"end":1837.51,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.1613275408744812},{"word":"a","start":1837.51,"end":1837.67,"confidence":0.5253906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16986960172653198},{"word":"less","start":1837.67,"end":1837.91,"confidence":0.97802734,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.17479963600635529},{"word":"returns","start":1837.91,"end":1838.31,"confidence":0.85253906,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":-0.21546518802642825},{"word":"in","start":1838.31,"end":1838.47,"confidence":0.91259766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.21050550043582916},{"word":"that","start":1838.47,"end":1838.63,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10776232182979584},{"word":"kind","start":1838.63,"end":1838.87,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.1388636827468872},{"word":"of","start":1838.87,"end":1838.9501,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15425598621368408},{"word":"area","start":1838.9501,"end":1839.4501,"confidence":0.99853516,"punctuated_word":"area.","sentiment":"neutral","sentiment_score":-0.06524224579334259},{"word":"yeah","start":1844.23,"end":1844.73,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22670279443264008},{"word":"it's","start":1844.87,"end":1845.11,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1867888867855072},{"word":"kind","start":1845.11,"end":1845.35,"confidence":0.9404297,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1930762678384781},{"word":"of","start":1845.35,"end":1845.51,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19504261016845703},{"word":"in","start":1845.51,"end":1845.67,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18698328733444217},{"word":"between","start":1845.67,"end":1846.17,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.13772018253803253},{"word":"the","start":1846.39,"end":1846.63,"confidence":0.96875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17483468353748322},{"word":"two","start":1846.63,"end":1846.87,"confidence":0.99609375,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.09365393221378326},{"word":"lower","start":1846.87,"end":1847.27,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.10899490118026732},{"word":"profiles","start":1847.27,"end":1847.77,"confidence":0.9980469,"punctuated_word":"profiles","sentiment":"neutral","sentiment_score":0.11012308299541472},{"word":"there","start":1848.0701,"end":1848.405,"confidence":0.8815918,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.19659070670604703},{"word":"and","start":1848.645,"end":1848.765,"confidence":0.98291016,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.27297917008399963},{"word":"i","start":1848.765,"end":1848.885,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.31598156690597534},{"word":"can","start":1848.885,"end":1849.125,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.32330530881881714},{"word":"look","start":1849.125,"end":1849.365,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.32205817103385925},{"word":"at","start":1849.365,"end":1849.525,"confidence":0.9970703,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3778265714645386},{"word":"building","start":1849.525,"end":1849.845,"confidence":1.0,"punctuated_word":"building","sentiment":"positive","sentiment_score":0.4324581921100617},{"word":"a","start":1849.845,"end":1850.0851,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3814677596092224},{"word":"portfolio","start":1850.0851,"end":1850.5851,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2659752666950226},{"word":"for","start":1850.725,"end":1850.885,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.39420807361602783},{"word":"you","start":1850.885,"end":1851.125,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37477052211761475},{"word":"that","start":1851.125,"end":1851.365,"confidence":0.9902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3637582063674927},{"word":"is","start":1851.365,"end":1851.525,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.34896931052207947},{"word":"going","start":1851.525,"end":1851.845,"confidence":0.99902344,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.3953581750392914},{"word":"to","start":1851.845,"end":1852.345,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3932771682739258},{"word":"give","start":1852.9651,"end":1853.2051,"confidence":0.96875,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.29588648676872253},{"word":"you","start":1853.2051,"end":1853.285,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3724082112312317},{"word":"that","start":1853.285,"end":1853.605,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32811301946640015},{"word":"fifty","start":1853.605,"end":1853.925,"confidence":1.0,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.3217051029205322},{"word":"fifty","start":1853.925,"end":1854.245,"confidence":0.9614258,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.2762381434440613},{"word":"split","start":1854.245,"end":1854.645,"confidence":0.98876953,"punctuated_word":"split.","sentiment":"positive","sentiment_score":0.3573828339576721},{"word":"we","start":1854.645,"end":1854.725,"confidence":1.0,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.33616578578948975},{"word":"can","start":1854.725,"end":1855.045,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.34042614698410034},{"word":"incorporate","start":1855.045,"end":1855.545,"confidence":1.0,"punctuated_word":"incorporate","sentiment":"positive","sentiment_score":0.3702666163444519},{"word":"maybe","start":1855.605,"end":1855.925,"confidence":0.95947266,"punctuated_word":"maybe","sentiment":"positive","sentiment_score":0.3373967409133911},{"word":"some","start":1855.925,"end":1856.425,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.32418712973594666},{"word":"commodities","start":1856.645,"end":1857.145,"confidence":0.9819336,"punctuated_word":"commodities","sentiment":"neutral","sentiment_score":0.2420336157083511},{"word":"like","start":1857.365,"end":1857.685,"confidence":0.8051758,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2959042489528656},{"word":"gold","start":1857.685,"end":1857.925,"confidence":0.9838867,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.26163411140441895},{"word":"and","start":1857.925,"end":1858.0851,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2745298445224762},{"word":"silver","start":1858.0851,"end":1858.5651,"confidence":0.90283203,"punctuated_word":"silver,","sentiment":"neutral","sentiment_score":0.2903461158275604},{"word":"which","start":1858.5651,"end":1858.805,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.32649391889572144},{"word":"work","start":1858.805,"end":1859.125,"confidence":0.5498047,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.39686718583106995},{"word":"both","start":1859.125,"end":1859.525,"confidence":0.9951172,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.3378589153289795},{"word":"ways","start":1859.525,"end":1860.005,"confidence":0.9980469,"punctuated_word":"ways","sentiment":"positive","sentiment_score":0.36467453837394714},{"word":"for","start":1860.005,"end":1860.245,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4008059799671173},{"word":"you","start":1860.245,"end":1860.485,"confidence":0.9597168,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.3090348243713379},{"word":"so","start":1860.485,"end":1860.985,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.28983497619628906},{"word":"most","start":1861.07,"end":1861.39,"confidence":1.0,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.4240630865097046},{"word":"people","start":1861.39,"end":1861.71,"confidence":1.0,"punctuated_word":"people","sentiment":"positive","sentiment_score":0.3784782290458679},{"word":"like","start":1861.71,"end":1861.95,"confidence":0.9980469,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.4015466272830963},{"word":"gold","start":1861.95,"end":1862.35,"confidence":0.9880371,"punctuated_word":"gold.","sentiment":"positive","sentiment_score":0.3922666311264038},{"word":"gold's","start":1862.35,"end":1862.83,"confidence":0.951416,"punctuated_word":"Gold's","sentiment":"positive","sentiment_score":0.5377589464187622},{"word":"been","start":1862.83,"end":1863.07,"confidence":0.984375,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.5614158511161804},{"word":"up","start":1863.07,"end":1863.47,"confidence":0.9782715,"punctuated_word":"up,","sentiment":"positive","sentiment_score":0.5353908538818359},{"word":"you","start":1863.47,"end":1863.63,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5452864766120911},{"word":"know","start":1863.63,"end":1863.87,"confidence":1.0,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.505253255367279},{"word":"really","start":1863.87,"end":1864.11,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5662680864334106},{"word":"well","start":1864.11,"end":1864.4299,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5509976148605347},{"word":"over","start":1864.4299,"end":1864.59,"confidence":0.99902344,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.6373950242996216},{"word":"the","start":1864.59,"end":1864.75,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5647077560424805},{"word":"past","start":1864.75,"end":1865.07,"confidence":1.0,"punctuated_word":"past","sentiment":"positive","sentiment_score":0.6039411425590515},{"word":"couple","start":1865.07,"end":1865.39,"confidence":1.0,"punctuated_word":"couple","sentiment":"positive","sentiment_score":0.4834892749786377},{"word":"of","start":1865.39,"end":1865.55,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5561215877532959},{"word":"years","start":1865.55,"end":1866.05,"confidence":0.99902344,"punctuated_word":"years.","sentiment":"positive","sentiment_score":0.4192100763320923},{"word":"we","start":1866.99,"end":1867.15,"confidence":0.9370117,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.3982128500938415},{"word":"can","start":1867.15,"end":1867.39,"confidence":0.984375,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.41138872504234314},{"word":"also","start":1867.39,"end":1867.63,"confidence":0.96777344,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.38454005122184753},{"word":"yeah","start":1868.4299,"end":1868.9299,"confidence":0.951416,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.4258353114128113},{"word":"i've","start":1869.63,"end":1869.79,"confidence":0.6530762,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.568134069442749},{"word":"been","start":1869.79,"end":1870.11,"confidence":0.9770508,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.6009729504585266},{"word":"up","start":1870.11,"end":1870.27,"confidence":0.97509766,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6155632138252258},{"word":"very","start":1870.27,"end":1870.59,"confidence":0.97802734,"punctuated_word":"very,","sentiment":"positive","sentiment_score":0.5704092979431152},{"word":"very","start":1870.59,"end":1871.07,"confidence":0.9951172,"punctuated_word":"very,","sentiment":"positive","sentiment_score":0.5687552094459534},{"word":"very","start":1871.07,"end":1871.3099,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5680094361305237},{"word":"high","start":1871.3099,"end":1871.8099,"confidence":0.74487305,"punctuated_word":"high.","sentiment":"positive","sentiment_score":0.5809351205825806},{"word":"and","start":1872.67,"end":1872.91,"confidence":0.9770508,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5245442986488342},{"word":"it","start":1872.91,"end":1873.07,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5650269389152527},{"word":"works","start":1873.07,"end":1873.3099,"confidence":0.99609375,"punctuated_word":"works","sentiment":"positive","sentiment_score":0.608913779258728},{"word":"it's","start":1873.39,"end":1873.55,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.565933883190155},{"word":"a","start":1873.55,"end":1873.71,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6002330780029297},{"word":"growth","start":1873.71,"end":1874.03,"confidence":0.875,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5966586470603943},{"word":"investment","start":1874.03,"end":1874.53,"confidence":0.83569336,"punctuated_word":"investment,","sentiment":"positive","sentiment_score":0.4504896402359009},{"word":"so","start":1874.59,"end":1874.83,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3836171329021454},{"word":"it","start":1874.83,"end":1874.99,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5546643733978271},{"word":"does","start":1874.99,"end":1875.3099,"confidence":1.0,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.5387699007987976},{"word":"get","start":1875.3099,"end":1875.47,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5712242722511292},{"word":"really","start":1875.47,"end":1875.79,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5771374702453613},{"word":"good","start":1875.79,"end":1876.11,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6010406613349915},{"word":"growth","start":1876.11,"end":1876.61,"confidence":0.7512207,"punctuated_word":"growth,","sentiment":"positive","sentiment_score":0.5786269307136536},{"word":"but","start":1877.2251,"end":1877.385,"confidence":0.97802734,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.3338595926761627},{"word":"it","start":1877.385,"end":1877.7051,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4559935629367829},{"word":"also","start":1877.7051,"end":1878.185,"confidence":0.99609375,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.3940869867801666},{"word":"can","start":1878.185,"end":1878.3451,"confidence":0.9980469,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4070744812488556},{"word":"be","start":1878.3451,"end":1878.5851,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4401161074638366},{"word":"defensive","start":1878.5851,"end":1878.985,"confidence":0.9941406,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.32795801758766174},{"word":"in","start":1878.985,"end":1879.2251,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.393380343914032},{"word":"nature","start":1879.2251,"end":1879.545,"confidence":0.8417969,"punctuated_word":"nature.","sentiment":"positive","sentiment_score":0.4096837639808655},{"word":"because","start":1879.545,"end":1879.785,"confidence":0.9873047,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.30453622341156006},{"word":"when","start":1879.785,"end":1880.025,"confidence":1.0,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3722625970840454},{"word":"you","start":1880.025,"end":1880.185,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3704301714897156},{"word":"kinda","start":1880.185,"end":1880.505,"confidence":0.8803711,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.3675113916397095},{"word":"think","start":1880.505,"end":1880.745,"confidence":0.99609375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.24721047282218933},{"word":"back","start":1880.745,"end":1880.985,"confidence":0.9902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.23016078770160675},{"word":"to","start":1880.985,"end":1881.145,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25449931621551514},{"word":"the","start":1881.145,"end":1881.305,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2567003667354584},{"word":"gfc","start":1881.305,"end":1881.805,"confidence":0.8701172,"punctuated_word":"GFC","sentiment":"neutral","sentiment_score":0.2180755585432053},{"word":"or","start":1881.9451,"end":1882.185,"confidence":0.9892578,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2419738471508026},{"word":"covid","start":1882.185,"end":1882.685,"confidence":0.9977214,"punctuated_word":"COVID,","sentiment":"neutral","sentiment_score":0.250450074672699},{"word":"people","start":1883.305,"end":1883.625,"confidence":0.9604492,"punctuated_word":"people","sentiment":"positive","sentiment_score":0.4730874300003052},{"word":"move","start":1883.625,"end":1883.865,"confidence":0.9838867,"punctuated_word":"move","sentiment":"positive","sentiment_score":0.4211367070674896},{"word":"money","start":1883.865,"end":1884.185,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.379954069852829},{"word":"into","start":1884.185,"end":1884.505,"confidence":0.9970703,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.43282991647720337},{"word":"gold","start":1884.505,"end":1884.8251,"confidence":0.9980469,"punctuated_word":"gold","sentiment":"positive","sentiment_score":0.39759188890457153},{"word":"as","start":1884.8251,"end":1884.905,"confidence":0.9658203,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.39013242721557617},{"word":"a","start":1884.905,"end":1884.985,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4653224050998688},{"word":"bit","start":1884.985,"end":1885.2251,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.42452430725097656},{"word":"of","start":1885.2251,"end":1885.305,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.47511976957321167},{"word":"a","start":1885.305,"end":1885.4651,"confidence":0.99121094,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.444264680147171},{"word":"safe","start":1885.4651,"end":1885.785,"confidence":0.9941406,"punctuated_word":"safe","sentiment":"neutral","sentiment_score":0.22765687108039856},{"word":"haven","start":1885.785,"end":1886.285,"confidence":0.9589844,"punctuated_word":"haven.","sentiment":"neutral","sentiment_score":0.021806025877594948},{"word":"so","start":1886.3451,"end":1886.8251,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14949984848499298},{"word":"i","start":1886.8251,"end":1886.905,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1657860279083252},{"word":"can","start":1886.905,"end":1887.145,"confidence":0.9951172,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15440186858177185},{"word":"include","start":1887.145,"end":1887.545,"confidence":1.0,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.17233547568321228},{"word":"some","start":1887.545,"end":1887.785,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1191221848130226},{"word":"gold","start":1887.785,"end":1888.105,"confidence":0.9880371,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.12882164120674133},{"word":"maybe","start":1888.105,"end":1888.425,"confidence":0.9921875,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.14994803071022034},{"word":"some","start":1888.425,"end":1888.665,"confidence":0.99121094,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.14097578823566437},{"word":"silver","start":1888.665,"end":1888.985,"confidence":0.9338379,"punctuated_word":"silver,","sentiment":"neutral","sentiment_score":0.1313028335571289},{"word":"and","start":1888.985,"end":1889.145,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13202504813671112},{"word":"look","start":1889.145,"end":1889.305,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14283879101276398},{"word":"at","start":1889.305,"end":1889.545,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16001756489276886},{"word":"adding","start":1889.545,"end":1889.865,"confidence":0.99902344,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.2098921537399292},{"word":"some","start":1889.865,"end":1890.365,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.16683122515678406},{"word":"commodities","start":1891.02,"end":1891.5,"confidence":0.99902344,"punctuated_word":"commodities","sentiment":"neutral","sentiment_score":0.1458270400762558},{"word":"in","start":1891.5,"end":1891.66,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1551302820444107},{"word":"there","start":1891.66,"end":1891.9,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.17661035060882568},{"word":"for","start":1891.9,"end":1892.06,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1635170429944992},{"word":"you","start":1892.06,"end":1892.38,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15750594437122345},{"word":"as","start":1892.38,"end":1892.54,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17323291301727295},{"word":"well","start":1892.54,"end":1892.78,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.203732430934906},{"word":"to","start":1892.78,"end":1892.9401,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18115687370300293},{"word":"see","start":1892.9401,"end":1893.1,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.15277674794197085},{"word":"if","start":1893.1,"end":1893.26,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18501552939414975},{"word":"that","start":1893.26,"end":1893.5,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23103216290473935},{"word":"kinda","start":1893.5,"end":1893.9,"confidence":0.9453125,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.17608293890953064},{"word":"helps","start":1893.9,"end":1894.4,"confidence":0.8886719,"punctuated_word":"helps.","sentiment":"neutral","sentiment_score":0.14159463346004486},{"word":"yeah","start":1896.22,"end":1896.72,"confidence":0.99194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07937951385974884},{"word":"and","start":1896.78,"end":1896.9401,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08018909394741058},{"word":"if","start":1896.9401,"end":1897.1,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04937615245580673},{"word":"we","start":1897.1,"end":1897.3401,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.026645109057426453},{"word":"kind","start":1897.3401,"end":1897.5,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.030167490243911743},{"word":"of","start":1897.5,"end":1897.66,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02430887147784233},{"word":"look","start":1897.66,"end":1897.8201,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.008641276508569717},{"word":"at","start":1897.8201,"end":1897.9,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.013754740357398989},{"word":"this","start":1897.9,"end":1898.22,"confidence":0.98828125,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.009665854275226591},{"word":"fifty","start":1898.22,"end":1898.62,"confidence":1.0,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.03363452106714249},{"word":"fifty","start":1898.62,"end":1899.1,"confidence":0.96875,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.024677887558937073},{"word":"split","start":1899.1,"end":1899.5,"confidence":0.9892578,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.04021250084042549},{"word":"to","start":1899.5,"end":1899.66,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01576048508286476},{"word":"start","start":1899.66,"end":1900.06,"confidence":0.99902344,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.029399029910564423},{"word":"with","start":1900.06,"end":1900.56,"confidence":0.98291016,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.035538628697395325},{"word":"if","start":1900.9401,"end":1901.18,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04948453605175018},{"word":"you","start":1901.18,"end":1901.3401,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04657554253935814},{"word":"decide","start":1901.3401,"end":1901.74,"confidence":0.9951172,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.04127132520079613},{"word":"in","start":1901.74,"end":1901.98,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01466379314661026},{"word":"six","start":1901.98,"end":1902.22,"confidence":0.99902344,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.00979604572057724},{"word":"months'","start":1902.22,"end":1902.7001,"confidence":0.7446289,"punctuated_word":"months'","sentiment":"neutral","sentiment_score":-0.006876496598124504},{"word":"time","start":1902.7001,"end":1903.18,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.018629498779773712},{"word":"that","start":1903.18,"end":1903.42,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.019425176084041595},{"word":"it's","start":1903.42,"end":1903.8201,"confidence":0.94970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.014183269813656809},{"word":"not","start":1903.8201,"end":1904.06,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03492678701877594},{"word":"working","start":1904.06,"end":1904.56,"confidence":0.99902344,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":-0.027696596458554268},{"word":"we","start":1905.055,"end":1905.215,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03820839524269104},{"word":"can","start":1905.215,"end":1905.295,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02245059609413147},{"word":"go","start":1905.295,"end":1905.375,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.041576601564884186},{"word":"back","start":1905.375,"end":1905.615,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.10058150440454484},{"word":"to","start":1905.615,"end":1905.775,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04995103180408478},{"word":"the","start":1905.775,"end":1905.935,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018026016652584076},{"word":"drawing","start":1905.935,"end":1906.255,"confidence":0.99902344,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":0.052827805280685425},{"word":"board","start":1906.255,"end":1906.5751,"confidence":0.8347168,"punctuated_word":"board,","sentiment":"neutral","sentiment_score":0.03644562512636185},{"word":"and","start":1906.5751,"end":1906.735,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06436512619256973},{"word":"we","start":1906.735,"end":1906.8151,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10533292591571808},{"word":"can","start":1906.8151,"end":1906.975,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1196809858083725},{"word":"change","start":1906.975,"end":1907.295,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.1875969171524048},{"word":"the","start":1907.295,"end":1907.535,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1048629879951477},{"word":"portfolio","start":1907.535,"end":1908.035,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.04928043112158775},{"word":"and","start":1908.255,"end":1908.415,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12940460443496704},{"word":"reduce","start":1908.415,"end":1908.8151,"confidence":1.0,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.1211829036474228},{"word":"the","start":1908.8151,"end":1908.895,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07053518295288086},{"word":"risk","start":1908.895,"end":1909.295,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.0018587782979011536},{"word":"even","start":1909.295,"end":1909.535,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.14990364015102386},{"word":"more","start":1909.535,"end":1909.935,"confidence":1.0,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.11344408243894576},{"word":"does","start":1909.935,"end":1910.175,"confidence":0.99609375,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0990300178527832},{"word":"that","start":1910.175,"end":1910.415,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18818098306655884},{"word":"sound","start":1910.415,"end":1910.655,"confidence":0.99902344,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.12812882661819458},{"word":"comfortable","start":1910.655,"end":1911.135,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.11507127434015274},{"word":"for","start":1911.135,"end":1911.375,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09250010550022124},{"word":"you","start":1911.375,"end":1911.535,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05644036456942558},{"word":"both","start":1911.535,"end":1911.775,"confidence":0.8413086,"punctuated_word":"both,","sentiment":"neutral","sentiment_score":0.07916899025440216},{"word":"or","start":1911.775,"end":1912.015,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0772528350353241},{"word":"do","start":1912.015,"end":1912.255,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03053342178463936},{"word":"you","start":1912.255,"end":1912.335,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03651227802038193},{"word":"have","start":1912.335,"end":1912.655,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.026489965617656708},{"word":"further","start":1912.655,"end":1913.055,"confidence":0.99609375,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.01464628055691719},{"word":"questions","start":1913.055,"end":1913.555,"confidence":0.82543945,"punctuated_word":"questions?","sentiment":"neutral","sentiment_score":0.025879189372062683},{"word":"or","start":1913.615,"end":1914.115,"confidence":0.9970703,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.02095137909054756},{"word":"that","start":1916.5751,"end":1916.91,"confidence":0.5058594,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.48493704199790955},{"word":"sounds","start":1917.15,"end":1917.39,"confidence":0.99902344,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.3962877988815307},{"word":"okay","start":1917.39,"end":1917.89,"confidence":0.77978516,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.35076218843460083},{"word":"yeah","start":1917.9501,"end":1918.1901,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10117657482624054},{"word":"it's","start":1918.1901,"end":1918.51,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.023843809962272644},{"word":"a","start":1918.51,"end":1918.5901,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07398641109466553},{"word":"little","start":1918.5901,"end":1918.75,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.08182406425476074},{"word":"bit","start":1918.75,"end":1918.99,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09131309390068054},{"word":"difficult","start":1918.99,"end":1919.4701,"confidence":0.99902344,"punctuated_word":"difficult","sentiment":"neutral","sentiment_score":-0.20157703757286072},{"word":"because","start":1919.4701,"end":1919.7101,"confidence":0.82958984,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.17167794704437256},{"word":"not","start":1919.7101,"end":1919.9501,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1917351931333542},{"word":"everyone","start":1919.9501,"end":1920.27,"confidence":1.0,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":-0.1832917332649231},{"word":"knows","start":1920.27,"end":1920.5901,"confidence":0.99902344,"punctuated_word":"knows","sentiment":"neutral","sentiment_score":-0.24619854986667633},{"word":"what","start":1920.5901,"end":1920.8301,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.17011837661266327},{"word":"they're","start":1920.8301,"end":1920.99,"confidence":0.99853516,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.15723693370819092},{"word":"comfortable","start":1920.99,"end":1921.4701,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.15382938086986542},{"word":"with","start":1921.4701,"end":1921.79,"confidence":0.7578125,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":-0.12033018469810486},{"word":"and","start":1921.79,"end":1922.03,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07472050189971924},{"word":"sometimes","start":1922.03,"end":1922.51,"confidence":0.9873047,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.08992961049079895},{"word":"it's","start":1922.51,"end":1922.75,"confidence":0.9260254,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11619232594966888},{"word":"a","start":1922.75,"end":1922.8301,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11313042044639587},{"word":"matter","start":1922.8301,"end":1923.0701,"confidence":1.0,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":-0.11087962239980698},{"word":"of","start":1923.0701,"end":1923.31,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1329439878463745},{"word":"just","start":1923.31,"end":1923.79,"confidence":0.99560547,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":-0.09438785165548325},{"word":"you","start":1923.79,"end":1923.9501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14783434569835663},{"word":"know","start":1923.9501,"end":1924.35,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1284436285495758},{"word":"going","start":1924.35,"end":1924.5901,"confidence":0.92285156,"punctuated_word":"going,","sentiment":"neutral","sentiment_score":-0.08694909512996674},{"word":"yep","start":1924.5901,"end":1924.8301,"confidence":0.8639323,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.10697045177221298},{"word":"let's","start":1924.8301,"end":1925.0701,"confidence":1.0,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":-0.04649163410067558},{"word":"give","start":1925.0701,"end":1925.31,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.051613032817840576},{"word":"this","start":1925.31,"end":1925.55,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.05771557241678238},{"word":"a","start":1925.55,"end":1925.63,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03240444138646126},{"word":"try","start":1925.63,"end":1926.11,"confidence":0.9980469,"punctuated_word":"try.","sentiment":"neutral","sentiment_score":-0.04306034743785858},{"word":"if","start":1926.11,"end":1926.27,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.06405141204595566},{"word":"it","start":1926.27,"end":1926.43,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06992824375629425},{"word":"doesn't","start":1926.43,"end":1926.67,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.06901305168867111},{"word":"if","start":1926.99,"end":1927.15,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07852549850940704},{"word":"we're","start":1927.15,"end":1927.31,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.15984317660331726},{"word":"not","start":1927.31,"end":1927.55,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15304245054721832},{"word":"comfortable","start":1927.55,"end":1927.9501,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.1770172119140625},{"word":"with","start":1927.9501,"end":1928.11,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.21901601552963257},{"word":"that","start":1928.11,"end":1928.35,"confidence":0.99853516,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.15455588698387146},{"word":"then","start":1928.35,"end":1928.5901,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.08144665509462357},{"word":"we","start":1928.5901,"end":1928.75,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10953623056411745},{"word":"just","start":1928.75,"end":1928.91,"confidence":0.9633789,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09581269323825836},{"word":"alter","start":1928.91,"end":1929.23,"confidence":0.9863281,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":-0.10043004900217056},{"word":"and","start":1929.23,"end":1929.39,"confidence":0.53271484,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14183497428894043},{"word":"rejig","start":1929.39,"end":1929.79,"confidence":0.81901044,"punctuated_word":"rejig","sentiment":"neutral","sentiment_score":-0.06379134953022003},{"word":"it","start":1929.79,"end":1930.03,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01003497838973999},{"word":"again","start":1930.03,"end":1930.43,"confidence":1.0,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.04942157864570618},{"word":"for","start":1930.43,"end":1930.67,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10652223974466324},{"word":"you","start":1930.67,"end":1931.17,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.13957585394382477},{"word":"yeah","start":1935.175,"end":1935.675,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.012997366487979887},{"word":"that","start":1937.095,"end":1937.335,"confidence":0.5888672,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.018443748354911804},{"word":"yeah","start":1938.375,"end":1938.695,"confidence":0.99316406,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.11228978633880617},{"word":"that's","start":1938.695,"end":1939.015,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.20003506541252136},{"word":"okay","start":1939.015,"end":1939.415,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.20044243335723877},{"word":"well","start":1939.415,"end":1939.575,"confidence":0.99560547,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.18028199672698977},{"word":"what","start":1939.575,"end":1939.815,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1942232996225357},{"word":"i","start":1939.815,"end":1939.895,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17901059985160828},{"word":"can","start":1939.895,"end":1940.055,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1843484044075012},{"word":"do","start":1940.055,"end":1940.215,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20784346759319303},{"word":"is","start":1940.215,"end":1940.535,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18749302625656128},{"word":"i'll","start":1940.535,"end":1940.695,"confidence":0.99658203,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2044101357460022},{"word":"go","start":1940.695,"end":1940.855,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2105886787176132},{"word":"back","start":1940.855,"end":1941.095,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.19849446415901184},{"word":"and","start":1941.095,"end":1941.255,"confidence":0.5,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2013247013092041},{"word":"i'll","start":1941.255,"end":1941.415,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2027306407690048},{"word":"put","start":1941.415,"end":1941.655,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2195998728275299},{"word":"together","start":1941.655,"end":1941.975,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.2101694792509079},{"word":"a","start":1941.975,"end":1942.215,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24248963594436648},{"word":"portfolio","start":1942.215,"end":1942.715,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.13563978672027588},{"word":"for","start":1942.935,"end":1943.175,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28507837653160095},{"word":"you","start":1943.175,"end":1943.335,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22547289729118347},{"word":"with","start":1943.335,"end":1943.575,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23963800072669983},{"word":"that","start":1943.575,"end":1943.735,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2155109941959381},{"word":"kind","start":1943.735,"end":1943.975,"confidence":0.83935547,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1459071934223175},{"word":"of","start":1943.975,"end":1944.135,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20642732083797455},{"word":"$50.50","start":1944.135,"end":1944.855,"confidence":0.9926758,"punctuated_word":"$50.50","sentiment":"neutral","sentiment_score":0.15543559193611145},{"word":"split","start":1944.855,"end":1945.355,"confidence":0.99853516,"punctuated_word":"split.","sentiment":"neutral","sentiment_score":0.18793657422065735},{"word":"i","start":1946.29,"end":1946.53,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22780194878578183},{"word":"will","start":1946.53,"end":1946.85,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.217350035905838},{"word":"show","start":1946.85,"end":1947.09,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.2348281443119049},{"word":"you","start":1947.09,"end":1947.25,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2034856379032135},{"word":"the","start":1947.25,"end":1947.41,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18404898047447205},{"word":"advice","start":1947.41,"end":1947.91,"confidence":0.89501953,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1828215718269348},{"word":"document","start":1947.97,"end":1948.47,"confidence":0.97875977,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.1642839014530182},{"word":"you'll","start":1948.61,"end":1948.93,"confidence":1.0,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.20054277777671817},{"word":"see","start":1948.93,"end":1949.17,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.24933169782161713},{"word":"the","start":1949.17,"end":1949.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1801012009382248},{"word":"investment","start":1949.49,"end":1949.99,"confidence":0.8154297,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.14001965522766113},{"word":"how","start":1950.29,"end":1950.4501,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1849788874387741},{"word":"much","start":1950.4501,"end":1950.77,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1434701383113861},{"word":"should","start":1950.77,"end":1951.01,"confidence":0.9951172,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.17453321814537048},{"word":"be","start":1951.01,"end":1951.25,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14895570278167725},{"word":"invested","start":1951.25,"end":1951.73,"confidence":0.92626953,"punctuated_word":"invested,","sentiment":"neutral","sentiment_score":0.14234185218811035},{"word":"and","start":1951.73,"end":1951.89,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22918380796909332},{"word":"what","start":1951.89,"end":1952.05,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.288239985704422},{"word":"this","start":1952.05,"end":1952.29,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2408236414194107},{"word":"looks","start":1952.29,"end":1952.53,"confidence":0.99902344,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.198870450258255},{"word":"like","start":1952.53,"end":1952.85,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.21783383190631864},{"word":"in","start":1952.85,"end":1953.01,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.25654131174087524},{"word":"front","start":1953.01,"end":1953.25,"confidence":1.0,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.252328097820282},{"word":"of","start":1953.25,"end":1953.3301,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24087145924568176},{"word":"you","start":1953.3301,"end":1953.49,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22294624149799347},{"word":"in","start":1953.49,"end":1953.65,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2547365427017212},{"word":"the","start":1953.65,"end":1953.89,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2326176315546036},{"word":"advice","start":1953.89,"end":1954.29,"confidence":0.9863281,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.163828045129776},{"word":"document","start":1954.29,"end":1954.77,"confidence":0.91918945,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.1630088835954666},{"word":"so","start":1954.77,"end":1955.17,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2171032577753067},{"word":"it'll","start":1955.17,"end":1955.49,"confidence":0.9941406,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.25946101546287537},{"word":"be","start":1955.49,"end":1955.65,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2913736402988434},{"word":"a","start":1955.65,"end":1955.73,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24611946940422055},{"word":"little","start":1955.73,"end":1955.97,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.20605799555778503},{"word":"bit","start":1955.97,"end":1956.29,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1970394402742386},{"word":"easier","start":1956.29,"end":1956.6901,"confidence":0.9350586,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.22091521322727203},{"word":"just","start":1956.6901,"end":1957.09,"confidence":0.54541016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24330849945545197},{"word":"to","start":1957.09,"end":1957.3301,"confidence":0.8886719,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19875265657901764},{"word":"be","start":1957.3301,"end":1957.49,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.18449530005455017},{"word":"able","start":1957.49,"end":1957.73,"confidence":0.9921875,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2015322744846344},{"word":"to","start":1957.73,"end":1957.89,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20657630264759064},{"word":"look","start":1957.89,"end":1958.13,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.21001747250556943},{"word":"at","start":1958.13,"end":1958.29,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.24174906313419345},{"word":"that","start":1958.29,"end":1958.79,"confidence":0.9741211,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.18452507257461548},{"word":"you","start":1958.93,"end":1959.09,"confidence":0.62841797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14404353499412537},{"word":"know","start":1959.09,"end":1959.25,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.16870614886283877},{"word":"and","start":1959.25,"end":1959.705,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1639634668827057},{"word":"go","start":1959.7849,"end":1959.945,"confidence":0.9863281,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1847716122865677},{"word":"through","start":1959.945,"end":1960.1849,"confidence":0.9892578,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.20378053188323977},{"word":"the","start":1960.1849,"end":1960.345,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16455772519111633},{"word":"advice","start":1960.345,"end":1960.745,"confidence":0.9921875,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.16129028797149658},{"word":"and","start":1960.745,"end":1960.985,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13206756114959717},{"word":"read","start":1960.985,"end":1961.225,"confidence":0.9980469,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.14815343916416168},{"word":"that","start":1961.225,"end":1961.385,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1192850023508072},{"word":"does","start":1961.385,"end":1961.625,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.15311020612716675},{"word":"that","start":1961.625,"end":1961.7849,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22268986701965332},{"word":"sound","start":1961.7849,"end":1962.105,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.10928769409656525},{"word":"okay","start":1962.105,"end":1962.605,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.12921053171157837},{"word":"yeah","start":1964.345,"end":1964.6649,"confidence":0.9650879,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2707858681678772},{"word":"that's","start":1964.6649,"end":1965.065,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4145436882972718},{"word":"okay","start":1965.065,"end":1965.565,"confidence":1.0,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.4239714741706848},{"word":"beautiful","start":1967.385,"end":1967.865,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5882284641265869},{"word":"so","start":1967.865,"end":1968.0249,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.32286888360977173},{"word":"i'll","start":1968.0249,"end":1968.1849,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.3128419518470764},{"word":"go","start":1968.1849,"end":1968.4249,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.32004034519195557},{"word":"back","start":1968.4249,"end":1968.505,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2914477288722992},{"word":"and","start":1968.505,"end":1968.6649,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18166334927082065},{"word":"do","start":1968.6649,"end":1968.7849,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1889956146478653},{"word":"a","start":1968.7849,"end":1968.9049,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2443472146987915},{"word":"bit","start":1968.9049,"end":1969.065,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2453775405883789},{"word":"more","start":1969.065,"end":1969.3049,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.21235337853431704},{"word":"research","start":1969.3049,"end":1969.5449,"confidence":0.8120117,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.26237478852272034},{"word":"on","start":1969.5449,"end":1969.705,"confidence":0.76171875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20580241084098816},{"word":"your","start":1969.705,"end":1969.945,"confidence":0.67041016,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21915243566036224},{"word":"portfolios","start":1969.945,"end":1970.445,"confidence":0.6123047,"punctuated_word":"portfolios,","sentiment":"neutral","sentiment_score":0.19380086660385132},{"word":"have","start":1970.505,"end":1970.6649,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22421281039714813},{"word":"a","start":1970.6649,"end":1970.745,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2290150821208954},{"word":"look","start":1970.745,"end":1970.9049,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1868046522140503},{"word":"at","start":1970.9049,"end":1970.985,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2095220983028412},{"word":"where","start":1970.985,"end":1971.225,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.2098262906074524},{"word":"we","start":1971.225,"end":1971.385,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18512243032455444},{"word":"are","start":1971.385,"end":1971.465,"confidence":0.97998047,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.2029486745595932},{"word":"and","start":1971.465,"end":1971.625,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20386217534542084},{"word":"we'll","start":1971.625,"end":1971.865,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1926688253879547},{"word":"look","start":1971.865,"end":1972.0249,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.16640937328338623},{"word":"at","start":1972.0249,"end":1972.1849,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16146881878376007},{"word":"doing","start":1972.1849,"end":1972.4249,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2007019519805908},{"word":"something","start":1972.4249,"end":1972.825,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.17772769927978516},{"word":"with","start":1972.825,"end":1973.065,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17955978214740753},{"word":"that","start":1973.065,"end":1973.225,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1913881003856659},{"word":"50%","start":1973.225,"end":1973.865,"confidence":0.9995117,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.1935756802558899},{"word":"growth","start":1973.865,"end":1974.1849,"confidence":0.70214844,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.1879768818616867},{"word":"50%","start":1974.1849,"end":1974.9049,"confidence":0.99853516,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.2459544986486435},{"word":"defensive","start":1974.9049,"end":1975.4049,"confidence":0.8989258,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":0.16787990927696228},{"word":"oh","start":1976.58,"end":1976.82,"confidence":0.75024414,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.20293809473514557},{"word":"your","start":1976.82,"end":1977.0599,"confidence":0.90722656,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17000338435173035},{"word":"super","start":1977.0599,"end":1977.38,"confidence":0.96435547,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.23440152406692505},{"word":"funds","start":1977.38,"end":1977.7,"confidence":0.9770508,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.2144017517566681},{"word":"aren't","start":1977.7,"end":1977.94,"confidence":0.99902344,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":0.20304054021835327},{"word":"doing","start":1977.94,"end":1978.18,"confidence":0.9980469,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2506615221500397},{"word":"too","start":1978.18,"end":1978.26,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.21438761055469513},{"word":"bad","start":1978.26,"end":1978.5,"confidence":0.99316406,"punctuated_word":"bad,","sentiment":"neutral","sentiment_score":0.21947723627090457},{"word":"but","start":1978.5,"end":1978.66,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.21292626857757568},{"word":"i","start":1978.66,"end":1978.74,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23568657040596008},{"word":"will","start":1978.74,"end":1978.9,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.22284971177577972},{"word":"just","start":1978.9,"end":1979.0599,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.25109583139419556},{"word":"go","start":1979.0599,"end":1979.22,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2397380918264389},{"word":"back","start":1979.22,"end":1979.46,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.24078240990638733},{"word":"and","start":1979.46,"end":1979.62,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2121051400899887},{"word":"review","start":1979.62,"end":1979.94,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.2014954835176468},{"word":"those","start":1979.94,"end":1980.26,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.264941930770874},{"word":"for","start":1980.26,"end":1980.5,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2489498108625412},{"word":"you","start":1980.5,"end":1980.74,"confidence":0.95825195,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.24274875223636627},{"word":"and","start":1980.74,"end":1980.9,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2223498672246933},{"word":"then","start":1980.9,"end":1981.14,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.23893940448760984},{"word":"we're","start":1981.14,"end":1981.38,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2867518365383148},{"word":"looking","start":1981.38,"end":1981.7,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.30645638704299927},{"word":"forward","start":1981.7,"end":1982.02,"confidence":0.9970703,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.3088957965373993},{"word":"to","start":1982.02,"end":1982.18,"confidence":0.9667969,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3561897873878479},{"word":"there","start":1982.18,"end":1982.5,"confidence":0.78222656,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.308542400598526},{"word":"robin","start":1982.5,"end":1982.82,"confidence":0.9104004,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.315449059009552},{"word":"when","start":1982.82,"end":1983.0599,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.3175973892211914},{"word":"you","start":1983.0599,"end":1983.22,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20131871104240415},{"word":"turn","start":1983.22,"end":1983.54,"confidence":0.9941406,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.21139109134674072},{"word":"67","start":1983.54,"end":1984.44,"confidence":0.99560547,"punctuated_word":"67","sentiment":"neutral","sentiment_score":0.16751667857170105},{"word":"based","start":1984.74,"end":1985.22,"confidence":0.9301758,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.14387544989585876},{"word":"on","start":1985.22,"end":1985.46,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1828112155199051},{"word":"the","start":1985.46,"end":1985.7,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14188571274280548},{"word":"current","start":1985.7,"end":1986.1,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.13438169658184052},{"word":"pension","start":1986.1,"end":1986.5,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.11116911470890044},{"word":"rates","start":1986.5,"end":1986.74,"confidence":0.5395508,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":0.15088245272636414},{"word":"because","start":1986.74,"end":1986.98,"confidence":0.61572266,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.09398475289344788},{"word":"i","start":1986.98,"end":1987.14,"confidence":0.9667969,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0649036318063736},{"word":"can't","start":1987.14,"end":1987.38,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.08394141495227814},{"word":"predict","start":1987.38,"end":1987.7,"confidence":1.0,"punctuated_word":"predict","sentiment":"neutral","sentiment_score":0.08188831806182861},{"word":"what","start":1987.7,"end":1987.94,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08846835792064667},{"word":"they're","start":1987.94,"end":1988.1,"confidence":0.9995117,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.10566534847021104},{"word":"gonna","start":1988.1,"end":1988.42,"confidence":0.9873047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.12955182790756226},{"word":"increase","start":1988.42,"end":1988.9,"confidence":0.9970703,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.1030016914010048},{"word":"to","start":1988.9,"end":1989.14,"confidence":0.57128906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08390140533447266},{"word":"then","start":1989.14,"end":1989.64,"confidence":0.7047119,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.15078197419643402},{"word":"and","start":1990.275,"end":1990.515,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1443769335746765},{"word":"also","start":1990.515,"end":1990.995,"confidence":0.6855469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12760783731937408},{"word":"look","start":1990.995,"end":1991.235,"confidence":0.9707031,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14304186403751373},{"word":"at","start":1991.235,"end":1991.735,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11048705130815506},{"word":"how","start":1992.115,"end":1992.3551,"confidence":0.96435547,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.10759952664375304},{"word":"much","start":1992.3551,"end":1992.8351,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.11389458179473876},{"word":"super","start":1992.8351,"end":1993.155,"confidence":0.9003906,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16555219888687134},{"word":"you","start":1993.155,"end":1993.4751,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1384296715259552},{"word":"may","start":1993.4751,"end":1993.7151,"confidence":0.99902344,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.06499086320400238},{"word":"need","start":1993.7151,"end":1993.9551,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.10758768022060394},{"word":"to","start":1993.9551,"end":1994.115,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08571179211139679},{"word":"draw","start":1994.115,"end":1994.3551,"confidence":0.99902344,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.10121188312768936},{"word":"out","start":1994.3551,"end":1994.755,"confidence":0.9794922,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.10479726642370224},{"word":"i","start":1994.755,"end":1994.915,"confidence":0.6958008,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15012890100479126},{"word":"can","start":1994.915,"end":1995.0751,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1315658986568451},{"word":"look","start":1995.0751,"end":1995.3151,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1450698971748352},{"word":"at","start":1995.3151,"end":1995.4751,"confidence":0.88671875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1414036750793457},{"word":"both","start":1995.4751,"end":1995.7151,"confidence":0.9970703,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.19765633344650269},{"word":"of","start":1995.7151,"end":1995.795,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19982598721981049},{"word":"your","start":1995.795,"end":1996.035,"confidence":0.97265625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1892583668231964},{"word":"supers","start":1996.035,"end":1996.3551,"confidence":0.87353516,"punctuated_word":"supers","sentiment":"neutral","sentiment_score":0.21376556158065796},{"word":"and","start":1996.3551,"end":1996.5951,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20617277920246124},{"word":"work","start":1996.5951,"end":1996.8351,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.2422555834054947},{"word":"out","start":1996.8351,"end":1997.0751,"confidence":0.7319336,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.20574550330638883},{"word":"how","start":1997.0751,"end":1997.235,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.2055453360080719},{"word":"we","start":1997.235,"end":1997.4751,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21612578630447388},{"word":"draw","start":1997.4751,"end":1997.795,"confidence":0.9902344,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.1728796362876892},{"word":"that","start":1997.795,"end":1997.9551,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17070110142230988},{"word":"money","start":1997.9551,"end":1998.275,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.20972338318824768},{"word":"out","start":1998.275,"end":1998.515,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2412866503000259},{"word":"and","start":1998.515,"end":1998.755,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22145339846611023},{"word":"how","start":1998.755,"end":1998.995,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.16611452400684357},{"word":"long","start":1998.995,"end":1999.155,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.15008920431137085},{"word":"that","start":1999.155,"end":1999.4751,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17244620621204376},{"word":"might","start":1999.4751,"end":1999.7151,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.14022059738636017},{"word":"last","start":1999.7151,"end":2000.115,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1787106990814209},{"word":"and","start":2000.115,"end":2000.3551,"confidence":0.9267578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2171710878610611},{"word":"show","start":2000.3551,"end":2000.515,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.22501814365386963},{"word":"you","start":2000.515,"end":2000.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23725973069667816},{"word":"what","start":2000.675,"end":2000.915,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.22954784333705905},{"word":"that","start":2000.915,"end":2001.155,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18491433560848236},{"word":"looks","start":2001.155,"end":2001.4751,"confidence":0.93408203,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.1445913463830948},{"word":"like","start":2001.4751,"end":2001.81,"confidence":1.0,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.04459526017308235},{"word":"are","start":2002.05,"end":2002.29,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.02583380788564682},{"word":"you","start":2002.29,"end":2002.4501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08126358687877655},{"word":"both","start":2002.4501,"end":2002.8501,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.01579965651035309},{"word":"comfortable","start":2002.8501,"end":2003.25,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.04840986430644989},{"word":"with","start":2003.25,"end":2003.41,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18815934658050537},{"word":"that","start":2003.41,"end":2003.65,"confidence":0.89697266,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1412145346403122},{"word":"or","start":2003.65,"end":2003.81,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.012108802795410156},{"word":"have","start":2003.81,"end":2004.05,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0061745792627334595},{"word":"i","start":2004.05,"end":2004.13,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014612894505262377},{"word":"missed","start":2004.13,"end":2004.4501,"confidence":1.0,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":-0.03727811574935913},{"word":"anything","start":2004.4501,"end":2004.77,"confidence":0.98706055,"punctuated_word":"anything?","sentiment":"neutral","sentiment_score":0.0020103342831134796},{"word":"is","start":2004.77,"end":2004.93,"confidence":0.9941406,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0345221683382988},{"word":"there","start":2004.93,"end":2005.0901,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04125417023897171},{"word":"anything","start":2005.0901,"end":2005.41,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.09108904004096983},{"word":"else","start":2005.41,"end":2005.65,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.0758463591337204},{"word":"you","start":2005.65,"end":2005.81,"confidence":0.9707031,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.033163875341415405},{"word":"wanted","start":2005.81,"end":2006.05,"confidence":0.99121094,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.04773345589637756},{"word":"me","start":2006.05,"end":2006.2101,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06831704080104828},{"word":"to","start":2006.2101,"end":2006.3701,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05824242904782295},{"word":"sort","start":2006.3701,"end":2006.53,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07416986674070358},{"word":"of","start":2006.53,"end":2006.6901,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10024228692054749},{"word":"incorporate","start":2006.6901,"end":2007.1901,"confidence":1.0,"punctuated_word":"incorporate","sentiment":"neutral","sentiment_score":0.10121890902519226},{"word":"for","start":2007.3301,"end":2007.4901,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06414227932691574},{"word":"you","start":2007.4901,"end":2007.9901,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.05268293619155884},{"word":"that","start":2010.3701,"end":2010.6901,"confidence":0.9902344,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.5837549567222595},{"word":"sounds","start":2010.6901,"end":2011.0901,"confidence":0.9970703,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.535436749458313},{"word":"okay","start":2011.0901,"end":2011.5901,"confidence":0.9633789,"punctuated_word":"okay?","sentiment":"positive","sentiment_score":0.3913821578025818},{"word":"beautiful","start":2011.81,"end":2012.31,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7880780696868896},{"word":"lovely","start":2014.405,"end":2014.885,"confidence":0.9980469,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.7596124410629272},{"word":"now","start":2014.885,"end":2015.205,"confidence":0.9013672,"punctuated_word":"Now,","sentiment":"positive","sentiment_score":0.447204053401947},{"word":"robin","start":2015.205,"end":2015.525,"confidence":0.9807129,"punctuated_word":"Robin,","sentiment":"positive","sentiment_score":0.3613871037960053},{"word":"i","start":2015.525,"end":2015.605,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.37808918952941895},{"word":"can","start":2015.605,"end":2015.765,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3315868675708771},{"word":"also","start":2015.765,"end":2016.085,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.3015870153903961},{"word":"see","start":2016.085,"end":2016.245,"confidence":0.99316406,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.31295934319496155},{"word":"here","start":2016.245,"end":2016.5651,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.3048340380191803},{"word":"you","start":2016.5651,"end":2016.725,"confidence":0.875,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39922258257865906},{"word":"have","start":2016.725,"end":2016.965,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4017995595932007},{"word":"made","start":2016.965,"end":2017.205,"confidence":0.99902344,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.561924397945404},{"word":"some","start":2017.205,"end":2017.605,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.5410522222518921},{"word":"extra","start":2017.605,"end":2018.105,"confidence":1.0,"punctuated_word":"extra","sentiment":"positive","sentiment_score":0.6668033003807068},{"word":"contributions","start":2018.165,"end":2018.665,"confidence":0.98828125,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.5577326416969299},{"word":"to","start":2018.885,"end":2019.125,"confidence":0.55322266,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6584686040878296},{"word":"super","start":2019.125,"end":2019.625,"confidence":0.59265137,"punctuated_word":"Super,","sentiment":"positive","sentiment_score":0.5292096138000488},{"word":"which","start":2019.925,"end":2020.245,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6151614785194397},{"word":"is","start":2020.245,"end":2020.485,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.8017200231552124},{"word":"great","start":2020.485,"end":2020.985,"confidence":0.9970703,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6651672124862671},{"word":"i","start":2022.485,"end":2022.5651,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03065872937440872},{"word":"know","start":2022.5651,"end":2022.725,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.03860723599791527},{"word":"you","start":2022.725,"end":2023.045,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01706070266664028},{"word":"spoke","start":2023.045,"end":2023.365,"confidence":0.90527344,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":-0.03361944854259491},{"word":"to","start":2023.365,"end":2023.525,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.023128582164645195},{"word":"my","start":2023.525,"end":2023.765,"confidence":0.58984375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.02931339293718338},{"word":"colleague","start":2023.765,"end":2024.265,"confidence":0.49487305,"punctuated_word":"colleague.","sentiment":"neutral","sentiment_score":-0.013151063583791256},{"word":"that's","start":2024.645,"end":2024.885,"confidence":0.9621582,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09129904210567474},{"word":"okay","start":2024.885,"end":2025.365,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.09415032714605331},{"word":"a","start":2025.365,"end":2025.525,"confidence":0.9980469,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.02789236605167389},{"word":"thousand","start":2025.525,"end":2025.925,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.0004070177674293518},{"word":"dollars","start":2025.925,"end":2026.325,"confidence":0.9970703,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.06418777257204056},{"word":"is","start":2026.325,"end":2026.485,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0107942596077919},{"word":"still","start":2026.485,"end":2026.645,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.010264955461025238},{"word":"a","start":2026.645,"end":2026.805,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0024051181972026825},{"word":"thousand","start":2026.805,"end":2027.205,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.003815550357103348},{"word":"dollars","start":2027.205,"end":2027.705,"confidence":0.99902344,"punctuated_word":"dollars.","sentiment":"neutral","sentiment_score":-0.013616330921649933},{"word":"that's","start":2028.0499,"end":2028.37,"confidence":0.9946289,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0577772818505764},{"word":"quite","start":2028.37,"end":2028.4099,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.10301755368709564},{"word":"a","start":2028.4099,"end":2028.45,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08116702735424042},{"word":"lot","start":2028.45,"end":2028.69,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.032798491418361664},{"word":"of","start":2028.69,"end":2028.85,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02710266411304474},{"word":"money","start":2028.85,"end":2029.1699,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.010925725102424622},{"word":"when","start":2029.1699,"end":2029.25,"confidence":0.9536133,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.028458312153816223},{"word":"you","start":2029.25,"end":2029.4099,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.028836317360401154},{"word":"think","start":2029.4099,"end":2029.57,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.028058461844921112},{"word":"about","start":2029.57,"end":2029.69,"confidence":0.8803711,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.003098614513874054},{"word":"it","start":2029.69,"end":2029.8099,"confidence":0.8815918,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.03078068420290947},{"word":"it's","start":2029.8099,"end":2029.97,"confidence":0.99609375,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.036987196654081345},{"word":"like","start":2029.97,"end":2030.13,"confidence":0.8984375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03025055304169655},{"word":"a","start":2030.13,"end":2030.21,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03808389604091644},{"word":"week's","start":2030.21,"end":2030.53,"confidence":0.98657227,"punctuated_word":"week's","sentiment":"neutral","sentiment_score":0.003782423911616206},{"word":"worth","start":2030.53,"end":2030.69,"confidence":0.9980469,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.0054137930274009705},{"word":"of","start":2030.69,"end":2030.85,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02175690233707428},{"word":"income","start":2030.85,"end":2031.35,"confidence":1.0,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.017274852842092514},{"word":"yeah","start":2035.1699,"end":2035.6699,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.034596994519233704},{"word":"so","start":2036.53,"end":2036.9299,"confidence":0.89453125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.022187314927577972},{"word":"with","start":2036.9299,"end":2037.1699,"confidence":0.9550781,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02258242480456829},{"word":"that","start":2037.1699,"end":2037.4099,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03369181603193283},{"word":"at","start":2037.4099,"end":2037.57,"confidence":0.94628906,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.012787576764822006},{"word":"the","start":2037.57,"end":2037.65,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02958999201655388},{"word":"moment","start":2037.65,"end":2038.15,"confidence":0.98168945,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.02177150547504425},{"word":"because","start":2038.85,"end":2039.25,"confidence":0.90771484,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.035229116678237915},{"word":"it","start":2039.25,"end":2039.4099,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0754217803478241},{"word":"has","start":2039.4099,"end":2039.73,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.0401974618434906},{"word":"been","start":2039.73,"end":2039.97,"confidence":0.99609375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.05235481262207031},{"word":"made","start":2039.97,"end":2040.47,"confidence":0.9951172,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.0932086929678917},{"word":"put","start":2041.505,"end":2041.6649,"confidence":0.43286133,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.09002809226512909},{"word":"into","start":2041.6649,"end":2041.985,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.10133025050163268},{"word":"the","start":2041.985,"end":2042.225,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08181451261043549},{"word":"super","start":2042.225,"end":2042.5449,"confidence":0.6484375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.14145389199256897},{"word":"fund","start":2042.5449,"end":2042.865,"confidence":0.8491211,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.13655927777290344},{"word":"as","start":2042.865,"end":2043.0249,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05563495680689812},{"word":"a","start":2043.0249,"end":2043.1849,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08300171792507172},{"word":"nonconcessional","start":2043.1849,"end":2043.6849,"confidence":0.88391113,"punctuated_word":"nonconcessional","sentiment":"neutral","sentiment_score":0.036870695650577545},{"word":"contribution","start":2044.225,"end":2044.725,"confidence":0.87280273,"punctuated_word":"contribution,","sentiment":"neutral","sentiment_score":0.05417320132255554},{"word":"that","start":2044.7849,"end":2045.105,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0427473783493042},{"word":"essentially","start":2045.105,"end":2045.585,"confidence":0.9951172,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.037330541759729385},{"word":"means","start":2045.585,"end":2045.985,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.0366404801607132},{"word":"that","start":2045.985,"end":2046.485,"confidence":0.82714844,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.05464063212275505},{"word":"like","start":2046.865,"end":2047.105,"confidence":0.9760742,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.054691750556230545},{"word":"when","start":2047.105,"end":2047.2649,"confidence":0.95410156,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03649692237377167},{"word":"your","start":2047.2649,"end":2047.4249,"confidence":0.921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02581038326025009},{"word":"employer","start":2047.4249,"end":2047.825,"confidence":0.9863281,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.003979574888944626},{"word":"contributions","start":2047.825,"end":2048.325,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.0001973174512386322},{"word":"go","start":2048.545,"end":2048.7048,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.021545380353927612},{"word":"in","start":2048.7048,"end":2048.865,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.006939556449651718},{"word":"their","start":2048.865,"end":2049.105,"confidence":0.4975586,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.0130406953394413},{"word":"concessional","start":2049.105,"end":2049.605,"confidence":0.8523763,"punctuated_word":"concessional,","sentiment":"neutral","sentiment_score":0.017058730125427246},{"word":"so","start":2049.905,"end":2050.2249,"confidence":0.9921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.033002763986587524},{"word":"taxes","start":2050.2249,"end":2050.7048,"confidence":0.5332031,"punctuated_word":"taxes","sentiment":"neutral","sentiment_score":0.038648687303066254},{"word":"taken","start":2050.7048,"end":2051.025,"confidence":0.97802734,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":-0.014551900327205658},{"word":"out","start":2051.025,"end":2051.185,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.054569706320762634},{"word":"of","start":2051.185,"end":2051.345,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.034063056111335754},{"word":"that","start":2051.345,"end":2051.585,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.019718080759048465},{"word":"contribution","start":2051.585,"end":2052.085,"confidence":1.0,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":-0.0833023190498352},{"word":"when","start":2052.145,"end":2052.385,"confidence":0.9951172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.004388429224491119},{"word":"it","start":2052.385,"end":2052.4648,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.00961846113204956},{"word":"hits","start":2052.4648,"end":2052.785,"confidence":0.9970703,"punctuated_word":"hits","sentiment":"neutral","sentiment_score":-0.010408200323581696},{"word":"the","start":2052.785,"end":2052.865,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021206866949796677},{"word":"fund","start":2052.865,"end":2053.365,"confidence":0.7089844,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.01199066825211048},{"word":"with","start":2053.8398,"end":2054.0,"confidence":0.99902344,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.0265213530510664},{"word":"the","start":2054.0,"end":2054.16,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021739423274993896},{"word":"money","start":2054.16,"end":2054.48,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.03459851071238518},{"word":"you've","start":2054.48,"end":2054.72,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04086463153362274},{"word":"been","start":2054.72,"end":2054.96,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.0342811718583107},{"word":"putting","start":2054.96,"end":2055.2,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.04252410680055618},{"word":"in","start":2055.2,"end":2055.44,"confidence":0.98950195,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.04015418887138367},{"word":"which","start":2055.44,"end":2055.5999,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0655837208032608},{"word":"i","start":2055.5999,"end":2055.76,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0415230318903923},{"word":"believe","start":2055.76,"end":2056.0798,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.010517988353967668},{"word":"is","start":2056.0798,"end":2056.3198,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03200007975101471},{"word":"about","start":2056.3198,"end":2056.64,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04029691219329834},{"word":"$20","start":2056.64,"end":2057.28,"confidence":1.0,"punctuated_word":"$20","sentiment":"neutral","sentiment_score":0.04539882019162178},{"word":"per","start":2057.28,"end":2057.44,"confidence":0.99609375,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.012488346546888351},{"word":"week","start":2057.44,"end":2057.76,"confidence":0.86206055,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.007640892639756203},{"word":"is","start":2057.76,"end":2057.92,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03395635262131691},{"word":"that","start":2057.92,"end":2058.16,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04493773728609085},{"word":"right","start":2058.16,"end":2058.66,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.03791877627372742},{"word":"yeah","start":2060.16,"end":2060.48,"confidence":0.90185547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.062194205820560455},{"word":"so","start":2060.48,"end":2060.72,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0528140664100647},{"word":"that","start":2060.72,"end":2060.88,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07731890678405762},{"word":"money","start":2060.88,"end":2061.28,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.08540960401296616},{"word":"goes","start":2061.28,"end":2061.5999,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.07393865287303925},{"word":"in","start":2061.5999,"end":2061.8398,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08239949494600296},{"word":"there","start":2061.8398,"end":2062.0798,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07665395736694336},{"word":"from","start":2062.0798,"end":2062.3198,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.09415720403194427},{"word":"your","start":2062.3198,"end":2062.72,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11073121428489684},{"word":"after","start":2062.72,"end":2063.04,"confidence":0.97802734,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.0864681527018547},{"word":"tax","start":2063.04,"end":2063.44,"confidence":0.9394531,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.07140358537435532},{"word":"income","start":2063.44,"end":2063.94,"confidence":0.9946289,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.0902097225189209},{"word":"which","start":2064.0,"end":2064.3198,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.12842267751693726},{"word":"means","start":2064.3198,"end":2064.64,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.07857035100460052},{"word":"a","start":2064.64,"end":2064.8,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09850941598415376},{"word":"100%","start":2064.8,"end":2065.52,"confidence":1.0,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":0.12458495050668716},{"word":"of","start":2065.52,"end":2065.68,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07280891388654709},{"word":"that","start":2065.68,"end":2065.92,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07806393504142761},{"word":"money","start":2065.92,"end":2066.24,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.08305945992469788},{"word":"is","start":2066.24,"end":2066.4,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08636894822120667},{"word":"invested","start":2066.4,"end":2066.88,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.0733693391084671},{"word":"into","start":2066.88,"end":2067.2,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.091501846909523},{"word":"the","start":2067.2,"end":2067.3599,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11645392328500748},{"word":"market","start":2067.3599,"end":2067.8599,"confidence":0.9753418,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.11664610356092452},{"word":"you","start":2069.0151,"end":2069.3352,"confidence":0.98291016,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.11956951022148132},{"word":"can","start":2069.3352,"end":2069.8152,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10383906960487366},{"word":"choose","start":2069.8152,"end":2070.215,"confidence":0.9980469,"punctuated_word":"choose","sentiment":"neutral","sentiment_score":0.108430378139019},{"word":"to","start":2070.215,"end":2070.375,"confidence":0.9301758,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09729458391666412},{"word":"claim","start":2070.375,"end":2070.695,"confidence":0.9970703,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.16695961356163025},{"word":"it","start":2070.695,"end":2070.935,"confidence":0.9614258,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14972597360610962},{"word":"as","start":2070.935,"end":2071.0952,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12728317081928253},{"word":"a","start":2071.0952,"end":2071.2551,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1472657322883606},{"word":"tax","start":2071.2551,"end":2071.655,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.15267804265022278},{"word":"deduction","start":2071.655,"end":2072.0552,"confidence":0.8964844,"punctuated_word":"deduction.","sentiment":"neutral","sentiment_score":0.1046927571296692},{"word":"so","start":2072.0552,"end":2072.215,"confidence":0.9370117,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07840550690889359},{"word":"i","start":2072.215,"end":2072.2952,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07287450134754181},{"word":"know","start":2072.2952,"end":2072.7952,"confidence":0.6875,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05551857501268387},{"word":"samantha","start":2073.895,"end":2074.395,"confidence":0.9428711,"punctuated_word":"Samantha","sentiment":"neutral","sentiment_score":0.061008140444755554},{"word":"spoke","start":2074.455,"end":2074.7751,"confidence":0.69921875,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.05883273482322693},{"word":"to","start":2074.7751,"end":2074.935,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06318200379610062},{"word":"you","start":2074.935,"end":2075.0952,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06721866130828857},{"word":"about","start":2075.0952,"end":2075.5952,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0431857667863369},{"word":"claiming","start":2075.895,"end":2076.2952,"confidence":0.984375,"punctuated_word":"claiming","sentiment":"neutral","sentiment_score":0.06606152653694153},{"word":"a","start":2076.2952,"end":2076.455,"confidence":0.9526367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05139230936765671},{"word":"notice","start":2076.455,"end":2076.855,"confidence":0.99902344,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.04884910583496094},{"word":"of","start":2076.855,"end":2077.175,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.042077820748090744},{"word":"intent","start":2077.175,"end":2077.5752,"confidence":0.99560547,"punctuated_word":"intent.","sentiment":"neutral","sentiment_score":0.011750292032957075},{"word":"so","start":2077.5752,"end":2078.0752,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08514584600925446},{"word":"if","start":2078.215,"end":2078.455,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06736055016517639},{"word":"you","start":2078.455,"end":2078.695,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09224812686443327},{"word":"wanted","start":2078.695,"end":2079.0151,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.087825708091259},{"word":"to","start":2079.0151,"end":2079.495,"confidence":0.8613281,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.07536090910434723},{"word":"with","start":2079.495,"end":2079.735,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04980979859828949},{"word":"that","start":2079.735,"end":2080.02,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06525612622499466},{"word":"thousand","start":2080.26,"end":2080.5,"confidence":0.99902344,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.048547983169555664},{"word":"dollars","start":2080.5,"end":2080.9,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.0944722443819046},{"word":"that","start":2080.9,"end":2081.06,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09535090625286102},{"word":"you","start":2081.06,"end":2081.22,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10548892617225648},{"word":"have","start":2081.22,"end":2081.46,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10452139377593994},{"word":"put","start":2081.46,"end":2081.62,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.07516662031412125},{"word":"in","start":2081.62,"end":2081.78,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06128064543008804},{"word":"there","start":2081.78,"end":2081.94,"confidence":0.81811523,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.06543432176113129},{"word":"and","start":2081.94,"end":2082.1,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11553043127059937},{"word":"you've","start":2082.1,"end":2082.34,"confidence":0.9746094,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.10019557923078536},{"word":"probably","start":2082.34,"end":2082.66,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.09804725646972656},{"word":"got","start":2082.66,"end":2082.82,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07238813489675522},{"word":"another","start":2082.82,"end":2083.32,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.06695380061864853},{"word":"two","start":2083.46,"end":2083.86,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0525018572807312},{"word":"contributions","start":2083.86,"end":2084.36,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.034322865307331085},{"word":"to","start":2084.5,"end":2084.66,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09202374517917632},{"word":"go","start":2084.66,"end":2084.82,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11443135887384416},{"word":"in","start":2084.82,"end":2085.06,"confidence":0.8811035,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.07005195319652557},{"word":"so","start":2085.06,"end":2085.22,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11056435853242874},{"word":"it'll","start":2085.22,"end":2085.3801,"confidence":0.94189453,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.08036919683218002},{"word":"be","start":2085.3801,"end":2085.46,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08667901903390884},{"word":"a","start":2085.46,"end":2085.54,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0437585785984993},{"word":"little","start":2085.54,"end":2085.78,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.02721504494547844},{"word":"bit","start":2085.78,"end":2085.94,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.014540523290634155},{"word":"more","start":2085.94,"end":2086.18,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.04399722442030907},{"word":"than","start":2086.18,"end":2086.26,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.01667923480272293},{"word":"that","start":2086.26,"end":2086.5,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009104631841182709},{"word":"by","start":2086.5,"end":2086.66,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.015218771994113922},{"word":"the","start":2086.66,"end":2086.82,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.060695163905620575},{"word":"end","start":2086.82,"end":2086.9,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.05139492079615593},{"word":"of","start":2086.9,"end":2087.06,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0640309602022171},{"word":"the","start":2087.06,"end":2087.3,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07101787626743317},{"word":"financial","start":2087.3,"end":2087.7,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.025750979781150814},{"word":"year","start":2087.7,"end":2087.94,"confidence":0.81396484,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.04079946130514145},{"word":"but","start":2087.94,"end":2088.1,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.052037060260772705},{"word":"what","start":2088.1,"end":2088.34,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.043918490409851074},{"word":"we","start":2088.34,"end":2088.58,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04750783368945122},{"word":"can","start":2088.58,"end":2088.82,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05154512822628021},{"word":"do","start":2088.82,"end":2089.06,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05501977354288101},{"word":"is","start":2089.06,"end":2089.3,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05686663091182709},{"word":"after","start":2089.3,"end":2089.7,"confidence":0.9394531,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.05170565843582153},{"word":"the","start":2089.7,"end":2089.78,"confidence":0.8647461,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04817727580666542},{"word":"july","start":2089.78,"end":2090.23,"confidence":0.930013,"punctuated_word":"July","sentiment":"neutral","sentiment_score":0.05878784880042076},{"word":"1","start":2090.23,"end":2090.68,"confidence":0.930013,"punctuated_word":"1,","sentiment":"neutral","sentiment_score":0.051164526492357254},{"word":"is","start":2091.1401,"end":2091.3801,"confidence":0.8364258,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0826830193400383},{"word":"we","start":2091.3801,"end":2091.54,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09975412487983704},{"word":"can","start":2091.54,"end":2091.78,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1139674186706543},{"word":"claim","start":2091.78,"end":2092.1,"confidence":0.99902344,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.0933973491191864},{"word":"what's","start":2092.1,"end":2092.42,"confidence":0.99609375,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.09120309352874756},{"word":"called","start":2092.42,"end":2092.58,"confidence":0.9970703,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.06140751764178276},{"word":"a","start":2092.58,"end":2092.74,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14915712177753448},{"word":"notice","start":2092.74,"end":2093.1401,"confidence":1.0,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.06231183558702469},{"word":"of","start":2093.1401,"end":2093.3801,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04901561886072159},{"word":"intent","start":2093.3801,"end":2093.78,"confidence":0.99902344,"punctuated_word":"intent","sentiment":"neutral","sentiment_score":-0.0221434086561203},{"word":"to","start":2093.78,"end":2093.94,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06022801995277405},{"word":"claim","start":2093.94,"end":2094.26,"confidence":1.0,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.003839746117591858},{"word":"against","start":2094.26,"end":2094.66,"confidence":0.99902344,"punctuated_word":"against","sentiment":"neutral","sentiment_score":0.0022960007190704346},{"word":"that","start":2094.66,"end":2094.9,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.005949892103672028},{"word":"money","start":2094.9,"end":2095.4,"confidence":0.99365234,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.02596116065979004},{"word":"that","start":2096.125,"end":2096.445,"confidence":0.9863281,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.06950917840003967},{"word":"essentially","start":2096.445,"end":2096.8452,"confidence":0.9658203,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.03935743868350983},{"word":"tells","start":2096.8452,"end":2097.165,"confidence":1.0,"punctuated_word":"tells","sentiment":"neutral","sentiment_score":0.06606164574623108},{"word":"the","start":2097.165,"end":2097.3252,"confidence":0.8076172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08634597808122635},{"word":"superfund","start":2097.3252,"end":2097.8052,"confidence":0.7841797,"punctuated_word":"Superfund","sentiment":"neutral","sentiment_score":0.16284611821174622},{"word":"that","start":2097.8052,"end":2097.965,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11068999767303468},{"word":"you're","start":2097.965,"end":2098.125,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.12407778203487396},{"word":"gonna","start":2098.125,"end":2098.445,"confidence":0.9873047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.15842044353485107},{"word":"claim","start":2098.445,"end":2098.8452,"confidence":0.99902344,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.09701114147901536},{"word":"that","start":2098.8452,"end":2099.165,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06790385395288467},{"word":"thousand","start":2099.165,"end":2099.485,"confidence":0.99609375,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.07444971799850464},{"word":"dollars","start":2099.485,"end":2099.885,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.12888169288635254},{"word":"as","start":2099.885,"end":2100.0452,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11049608141183852},{"word":"a","start":2100.0452,"end":2100.2852,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11635658144950868},{"word":"tax","start":2100.2852,"end":2100.6052,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.09166771173477171},{"word":"deduction","start":2100.6052,"end":2101.1052,"confidence":0.9309082,"punctuated_word":"deduction,","sentiment":"neutral","sentiment_score":0.0825200229883194},{"word":"and","start":2101.965,"end":2102.125,"confidence":0.9135742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07344421744346619},{"word":"they","start":2102.125,"end":2102.2852,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0603092685341835},{"word":"would","start":2102.2852,"end":2102.5251,"confidence":0.8647461,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04988724738359451},{"word":"take","start":2102.5251,"end":2102.8452,"confidence":0.9951172,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.029650285840034485},{"word":"tax","start":2102.8452,"end":2103.3252,"confidence":0.73779297,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.007230699062347412},{"word":"out","start":2103.3252,"end":2103.485,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.015338361263275146},{"word":"of","start":2103.485,"end":2103.645,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02628234773874283},{"word":"that","start":2103.645,"end":2104.145,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03316248208284378},{"word":"money","start":2104.205,"end":2104.705,"confidence":0.98999023,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.010771077126264572},{"word":"and","start":2105.0852,"end":2105.3252,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09173626452684402},{"word":"then","start":2105.3252,"end":2105.645,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07475725561380386},{"word":"once","start":2105.645,"end":2105.965,"confidence":0.9980469,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.06508415937423706},{"word":"that","start":2105.965,"end":2106.205,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0697399452328682},{"word":"tax","start":2106.205,"end":2106.5251,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.06342820823192596},{"word":"is","start":2106.5251,"end":2106.6052,"confidence":0.7871094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05724751949310303},{"word":"being","start":2106.6052,"end":2106.925,"confidence":0.9980469,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.06655062735080719},{"word":"taken","start":2106.925,"end":2107.245,"confidence":1.0,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":0.06659241765737534},{"word":"out","start":2107.245,"end":2107.71,"confidence":0.99902344,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.06866629421710968},{"word":"that","start":2107.95,"end":2108.19,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1119598224759102},{"word":"thousand","start":2108.19,"end":2108.5898,"confidence":0.99609375,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.06818297505378723},{"word":"dollars","start":2108.5898,"end":2108.99,"confidence":0.89208984,"punctuated_word":"dollars,","sentiment":"neutral","sentiment_score":0.09693051874637604},{"word":"you","start":2108.99,"end":2109.15,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10120254755020142},{"word":"can","start":2109.15,"end":2109.31,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08840485662221909},{"word":"tell","start":2109.31,"end":2109.55,"confidence":1.0,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.10904065519571304},{"word":"your","start":2109.55,"end":2109.79,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08534388989210129},{"word":"accountant","start":2109.79,"end":2110.19,"confidence":0.8354492,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.06837106496095657},{"word":"you've","start":2110.19,"end":2110.43,"confidence":0.7944336,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08955662697553635},{"word":"contributed","start":2110.43,"end":2110.93,"confidence":0.99902344,"punctuated_word":"contributed","sentiment":"neutral","sentiment_score":0.11620423942804337},{"word":"to","start":2111.07,"end":2111.23,"confidence":0.7055664,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15512323379516602},{"word":"super","start":2111.23,"end":2111.73,"confidence":0.6661377,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.18323415517807007},{"word":"and","start":2112.03,"end":2112.3499,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12397010624408722},{"word":"they","start":2112.3499,"end":2112.51,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.13041657209396362},{"word":"can","start":2112.51,"end":2112.75,"confidence":0.97509766,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.129001647233963},{"word":"add","start":2112.75,"end":2112.99,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.19718563556671145},{"word":"that","start":2112.99,"end":2113.31,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17707042396068573},{"word":"$1,000","start":2113.31,"end":2114.27,"confidence":0.99975586,"punctuated_word":"$1,000","sentiment":"neutral","sentiment_score":0.1949552595615387},{"word":"to","start":2114.27,"end":2114.43,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16492438316345215},{"word":"your","start":2114.43,"end":2114.5898,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15735280513763428},{"word":"tax","start":2114.5898,"end":2114.83,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.17424120008945465},{"word":"return","start":2114.83,"end":2115.23,"confidence":0.99902344,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.18843373656272888},{"word":"to","start":2115.23,"end":2115.39,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13255564868450165},{"word":"give","start":2115.39,"end":2115.55,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1574212908744812},{"word":"you","start":2115.55,"end":2115.71,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13380037248134613},{"word":"a","start":2115.71,"end":2115.8699,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11993952840566637},{"word":"tax","start":2115.8699,"end":2116.19,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.18711918592453003},{"word":"deduction","start":2116.19,"end":2116.69,"confidence":0.9848633,"punctuated_word":"deduction.","sentiment":"neutral","sentiment_score":0.11315855383872986},{"word":"does","start":2116.75,"end":2116.91,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0978255644440651},{"word":"that","start":2116.91,"end":2117.07,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14085054397583008},{"word":"make","start":2117.07,"end":2117.31,"confidence":0.98535156,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09186626970767976},{"word":"sense","start":2117.31,"end":2117.81,"confidence":0.9838867,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.06844806671142578},{"word":"it","start":2121.885,"end":2122.0452,"confidence":0.55126953,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.11283167451620102},{"word":"gen","start":2122.0452,"end":2122.2852,"confidence":0.5527344,"punctuated_word":"gen","sentiment":"neutral","sentiment_score":0.0664939135313034},{"word":"when","start":2122.365,"end":2122.685,"confidence":0.9951172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.09831763058900832},{"word":"you're","start":2122.685,"end":2122.8452,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07484972476959229},{"word":"working","start":2122.8452,"end":2123.3452,"confidence":0.9951172,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":0.0797935426235199},{"word":"it","start":2123.645,"end":2123.885,"confidence":0.6279297,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06938915699720383},{"word":"generally","start":2123.885,"end":2124.365,"confidence":0.99609375,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.10931742936372756},{"word":"can","start":2124.365,"end":2124.605,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07703429460525513},{"word":"be","start":2124.605,"end":2125.0852,"confidence":0.9633789,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.06658760458230972},{"word":"what's","start":2125.0852,"end":2125.485,"confidence":0.97143555,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.011915653944015505},{"word":"your","start":2125.485,"end":2125.725,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.008990619331598282},{"word":"do","start":2125.885,"end":2126.0452,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0058021023869514465},{"word":"you","start":2126.0452,"end":2126.125,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006663922220468521},{"word":"know","start":2126.125,"end":2126.445,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.010313417762517927},{"word":"roughly","start":2126.445,"end":2126.7651,"confidence":0.96435547,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":-0.012629467993974686},{"word":"what","start":2126.7651,"end":2127.0051,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.004831776022911072},{"word":"your","start":2127.0051,"end":2127.245,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.011401116847991943},{"word":"income","start":2127.245,"end":2127.745,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.04541536420583725},{"word":"is","start":2127.8052,"end":2128.125,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0037563778460025783},{"word":"for","start":2128.125,"end":2128.2852,"confidence":0.9902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.00015641003847122192},{"word":"this","start":2128.2852,"end":2128.5251,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.019637539982795715},{"word":"year","start":2128.5251,"end":2128.8452,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.02375192940235138},{"word":"at","start":2128.8452,"end":2128.925,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.005294952541589737},{"word":"the","start":2128.925,"end":2129.0852,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.041153814643621445},{"word":"moment","start":2129.0852,"end":2129.5852,"confidence":0.9995117,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.021305495873093605},{"word":"okay","start":2139.74,"end":2140.24,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.021968510001897812},{"word":"do","start":2142.54,"end":2142.86,"confidence":0.95166016,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0006715841591358185},{"word":"you","start":2142.86,"end":2143.02,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007753415033221245},{"word":"have","start":2143.02,"end":2143.52,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.004625720903277397},{"word":"do","start":2143.98,"end":2144.14,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.00041253678500652313},{"word":"you","start":2144.14,"end":2144.22,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01402321271598339},{"word":"know","start":2144.22,"end":2144.38,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.007235005497932434},{"word":"what","start":2144.38,"end":2144.54,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0036395229399204254},{"word":"your","start":2144.54,"end":2144.86,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.003882383927702904},{"word":"gross","start":2144.86,"end":2145.34,"confidence":0.65771484,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.007918141782283783},{"word":"is","start":2145.34,"end":2145.66,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.006624165922403336},{"word":"before","start":2145.66,"end":2146.14,"confidence":0.9970703,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.02810554951429367},{"word":"that","start":2146.14,"end":2146.46,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.002976085990667343},{"word":"500","start":2146.46,"end":2147.2,"confidence":0.998291,"punctuated_word":"500?","sentiment":"neutral","sentiment_score":0.011651814915239813},{"word":"okay","start":2158.885,"end":2159.385,"confidence":0.98168945,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13173162937164307},{"word":"so","start":2160.5,"end":2160.74,"confidence":0.9790039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10792206972837448},{"word":"we'll","start":2160.74,"end":2160.98,"confidence":0.9482422,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1500650942325592},{"word":"just","start":2160.98,"end":2161.14,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1700916737318039},{"word":"pop","start":2161.14,"end":2161.38,"confidence":0.49804688,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.21581149101257324},{"word":"the","start":2161.38,"end":2161.54,"confidence":0.97265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.192076176404953},{"word":"$30","start":2161.54,"end":2162.26,"confidence":0.99853516,"punctuated_word":"$30","sentiment":"neutral","sentiment_score":0.19686560332775116},{"word":"on","start":2162.26,"end":2162.42,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17294941842556},{"word":"there","start":2162.42,"end":2162.92,"confidence":0.9980469,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.13877570629119873},{"word":"yeah","start":2164.58,"end":2164.98,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2175566852092743},{"word":"that's","start":2164.98,"end":2165.3,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3907260596752167},{"word":"okay","start":2165.3,"end":2165.6199,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.3694714307785034},{"word":"that","start":2165.6199,"end":2165.8599,"confidence":1.0,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.3859330713748932},{"word":"sounds","start":2165.8599,"end":2166.18,"confidence":0.9921875,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.35475799441337585},{"word":"about","start":2166.18,"end":2166.42,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.3324361741542816},{"word":"right","start":2166.42,"end":2166.92,"confidence":0.9970703,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.3237304091453552},{"word":"so","start":2166.98,"end":2167.14,"confidence":0.3256836,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15728360414505005},{"word":"it","start":2167.14,"end":2167.3,"confidence":0.31079102,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16925257444381714},{"word":"says","start":2167.3,"end":2167.6199,"confidence":0.3642578,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.17031162977218628},{"word":"$5.70","start":2167.6199,"end":2168.44,"confidence":0.97875977,"punctuated_word":"$5.70","sentiment":"neutral","sentiment_score":0.18174681067466736},{"word":"gross","start":2168.5,"end":2168.98,"confidence":0.9001465,"punctuated_word":"gross,","sentiment":"neutral","sentiment_score":0.16715891659259796},{"word":"and","start":2168.98,"end":2169.14,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13795378804206848},{"word":"that's","start":2169.14,"end":2169.38,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1554737538099289},{"word":"on","start":2169.38,"end":2169.54,"confidence":0.9873047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17590060830116272},{"word":"a","start":2169.54,"end":2169.6199,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.185019850730896},{"word":"weekly","start":2169.6199,"end":2170.0999,"confidence":1.0,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.17880073189735413},{"word":"basis","start":2170.0999,"end":2170.5999,"confidence":0.8071289,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.17261764407157898},{"word":"yeah","start":2172.5151,"end":2172.995,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1399269700050354},{"word":"so","start":2172.995,"end":2173.235,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06868869066238403},{"word":"just","start":2173.235,"end":2173.395,"confidence":0.96972656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09826676547527312},{"word":"to","start":2173.395,"end":2173.475,"confidence":0.39331055,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04686561226844787},{"word":"yeah","start":2174.2751,"end":2174.5952,"confidence":0.9926758,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.14922146499156952},{"word":"that's","start":2174.5952,"end":2175.0952,"confidence":0.99560547,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.25636112689971924},{"word":"that's","start":2175.475,"end":2175.975,"confidence":0.9802246,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.29216909408569336},{"word":"okay","start":2176.0352,"end":2176.5352,"confidence":0.99658203,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.25053876638412476},{"word":"let's","start":2176.915,"end":2177.0752,"confidence":0.81030273,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.11392872035503387},{"word":"have","start":2177.0752,"end":2177.235,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1152050793170929},{"word":"a","start":2177.235,"end":2177.3152,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1068025752902031},{"word":"look","start":2177.3152,"end":2177.8152,"confidence":0.9995117,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.057247087359428406},{"word":"so","start":2178.435,"end":2178.935,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10385968536138536},{"word":"$5.70","start":2178.995,"end":2179.895,"confidence":0.9995117,"punctuated_word":"$5.70","sentiment":"neutral","sentiment_score":0.19962696731090543},{"word":"on","start":2179.955,"end":2180.195,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20008866488933563},{"word":"a","start":2180.195,"end":2180.2751,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2263946384191513},{"word":"weekly","start":2180.2751,"end":2180.7751,"confidence":1.0,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.18284423649311063},{"word":"basis","start":2180.8352,"end":2181.3352,"confidence":0.8984375,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.16803908348083496},{"word":"roughly","start":2182.8352,"end":2183.3352,"confidence":0.7022705,"punctuated_word":"Roughly","sentiment":"neutral","sentiment_score":0.1591174602508545},{"word":"gives","start":2183.395,"end":2183.715,"confidence":0.9526367,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.12296126782894136},{"word":"you","start":2183.715,"end":2184.195,"confidence":0.72265625,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.22183960676193237},{"word":"say","start":2184.195,"end":2184.695,"confidence":0.9946289,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.17270293831825256},{"word":"a","start":2184.915,"end":2185.155,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22599700093269348},{"word":"gross","start":2185.155,"end":2185.635,"confidence":0.9892578,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.17421869933605194},{"word":"income","start":2185.635,"end":2186.135,"confidence":0.89331055,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.18722251057624817},{"word":"give","start":2186.6301,"end":2186.87,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.16500701010227203},{"word":"or","start":2186.87,"end":2187.03,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.13814261555671692},{"word":"take","start":2187.03,"end":2187.53,"confidence":0.9875488,"punctuated_word":"take,","sentiment":"neutral","sentiment_score":0.1527729481458664},{"word":"essentially","start":2188.47,"end":2188.87,"confidence":0.74487305,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.17194943130016327},{"word":"of","start":2188.87,"end":2189.11,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1836383044719696},{"word":"about","start":2189.11,"end":2189.43,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16920554637908936},{"word":"29,640","start":2189.43,"end":2191.93,"confidence":0.9961286,"punctuated_word":"29,640.","sentiment":"neutral","sentiment_score":0.17644813656806946},{"word":"so","start":2192.95,"end":2193.45,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2013195902109146},{"word":"then","start":2194.47,"end":2194.97,"confidence":0.94970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2257760465145111},{"word":"you're","start":2195.6702,"end":2195.99,"confidence":0.9770508,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2520012855529785},{"word":"making","start":2195.99,"end":2196.3901,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.2992818355560303},{"word":"a","start":2196.3901,"end":2196.6301,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3390803933143616},{"word":"voluntary","start":2196.6301,"end":2197.1301,"confidence":1.0,"punctuated_word":"voluntary","sentiment":"positive","sentiment_score":0.3363257050514221},{"word":"contribution","start":2197.19,"end":2197.69,"confidence":1.0,"punctuated_word":"contribution","sentiment":"positive","sentiment_score":0.3481808304786682},{"word":"of","start":2198.07,"end":2198.57,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3055500388145447},{"word":"$20","start":2199.365,"end":2200.165,"confidence":1.0,"punctuated_word":"$20","sentiment":"neutral","sentiment_score":0.31664004921913147},{"word":"per","start":2200.165,"end":2200.405,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.2350098192691803},{"word":"week","start":2200.405,"end":2200.905,"confidence":0.96972656,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.27980607748031616},{"word":"which","start":2203.845,"end":2204.325,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.29130610823631287},{"word":"works","start":2204.325,"end":2204.645,"confidence":0.9160156,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.27970486879348755},{"word":"out","start":2204.645,"end":2204.805,"confidence":0.98291016,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.33144235610961914},{"word":"to","start":2204.805,"end":2204.9648,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2439049631357193},{"word":"be","start":2204.9648,"end":2205.365,"confidence":0.9790039,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.25784897804260254},{"word":"over","start":2205.365,"end":2205.6848,"confidence":0.9482422,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.3778610825538635},{"word":"fifty","start":2205.6848,"end":2206.085,"confidence":0.9819336,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.28655970096588135},{"word":"two","start":2206.085,"end":2206.2449,"confidence":0.9790039,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.1974487602710724},{"word":"weeks","start":2206.2449,"end":2206.645,"confidence":0.9177246,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":0.2602435350418091},{"word":"a","start":2206.645,"end":2206.805,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2955494821071625},{"word":"thousand","start":2206.805,"end":2207.2048,"confidence":1.0,"punctuated_word":"thousand","sentiment":"positive","sentiment_score":0.3593744933605194},{"word":"and","start":2207.2048,"end":2207.285,"confidence":0.83984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19216188788414},{"word":"$40","start":2207.285,"end":2208.1848,"confidence":0.99523926,"punctuated_word":"$40.","sentiment":"neutral","sentiment_score":0.3117865324020386},{"word":"so","start":2210.325,"end":2210.4849,"confidence":0.89501953,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2556120753288269},{"word":"then","start":2210.4849,"end":2210.9849,"confidence":0.99121094,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.26885858178138733},{"word":"if","start":2211.125,"end":2211.285,"confidence":0.9667969,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3366200029850006},{"word":"you","start":2211.285,"end":2211.605,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4188345968723297},{"word":"claimed","start":2211.605,"end":2212.105,"confidence":0.9140625,"punctuated_word":"claimed","sentiment":"neutral","sentiment_score":0.30662137269973755},{"word":"that","start":2212.165,"end":2212.665,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33687588572502136},{"word":"as","start":2212.7249,"end":2213.045,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16940531134605408},{"word":"a","start":2213.045,"end":2213.545,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2693609595298767},{"word":"as","start":2214.63,"end":2214.8699,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12866996228694916},{"word":"a","start":2214.8699,"end":2215.1099,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27773618698120117},{"word":"tax","start":2215.1099,"end":2215.51,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.2195551246404648},{"word":"deduction","start":2215.51,"end":2216.01,"confidence":0.9916992,"punctuated_word":"deduction,","sentiment":"neutral","sentiment_score":0.1903374344110489},{"word":"it","start":2216.5498,"end":2216.8699,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13338488340377808},{"word":"essentially","start":2216.8699,"end":2217.19,"confidence":0.9838867,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.15605798363685608},{"word":"and","start":2217.3499,"end":2217.5898,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1641797423362732},{"word":"this","start":2217.5898,"end":2217.75,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06860994547605515},{"word":"is","start":2217.75,"end":2217.91,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0064825862646102905},{"word":"not","start":2217.91,"end":2218.15,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.006556659936904907},{"word":"including","start":2218.15,"end":2218.63,"confidence":1.0,"punctuated_word":"including","sentiment":"neutral","sentiment_score":0.11768268048763277},{"word":"any","start":2218.63,"end":2218.8699,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.01401449739933014},{"word":"other","start":2218.8699,"end":2219.1099,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.09312479197978972},{"word":"options","start":2219.1099,"end":2219.51,"confidence":0.89282227,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":-0.057495132088661194},{"word":"this","start":2219.51,"end":2219.75,"confidence":0.64208984,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.08704200387001038},{"word":"is","start":2219.75,"end":2219.8298,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11021899431943892},{"word":"just","start":2219.8298,"end":2220.0698,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17194369435310364},{"word":"kinda","start":2220.0698,"end":2220.47,"confidence":0.62646484,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.19081559777259827},{"word":"general","start":2220.47,"end":2220.8699,"confidence":0.9980469,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.21012556552886963},{"word":"looking","start":2220.8699,"end":2221.2698,"confidence":0.9580078,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1859557330608368},{"word":"at","start":2221.2698,"end":2221.43,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1721835434436798},{"word":"the","start":2221.43,"end":2221.5898,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21716655790805817},{"word":"numbers","start":2221.5898,"end":2222.0698,"confidence":0.99902344,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.20050658285617828},{"word":"at","start":2222.0698,"end":2222.15,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16607515513896942},{"word":"the","start":2222.15,"end":2222.23,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20742350816726685},{"word":"moment","start":2222.23,"end":2222.73,"confidence":0.907959,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.1648290455341339},{"word":"but","start":2223.8298,"end":2224.0698,"confidence":0.6821289,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.25326958298683167},{"word":"essentially","start":2224.0698,"end":2224.5698,"confidence":0.9995117,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.31019747257232666},{"word":"that","start":2224.63,"end":2224.8699,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4914896786212921},{"word":"1,040","start":2224.8699,"end":2226.0698,"confidence":0.991272,"punctuated_word":"1,040,","sentiment":"positive","sentiment_score":0.37118440866470337},{"word":"if","start":2226.0698,"end":2226.23,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4729679822921753},{"word":"you","start":2226.23,"end":2226.39,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4648717939853668},{"word":"added","start":2226.39,"end":2226.63,"confidence":0.9970703,"punctuated_word":"added","sentiment":"positive","sentiment_score":0.3945059776306152},{"word":"that","start":2226.63,"end":2226.7898,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4230799078941345},{"word":"as","start":2226.7898,"end":2226.95,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.26234138011932373},{"word":"a","start":2226.95,"end":2227.1099,"confidence":0.9902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5132032632827759},{"word":"tax","start":2227.1099,"end":2227.3499,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.3053257465362549},{"word":"deduction","start":2227.3499,"end":2227.8298,"confidence":0.9980469,"punctuated_word":"deduction","sentiment":"neutral","sentiment_score":0.32176023721694946},{"word":"and","start":2227.8298,"end":2227.99,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.332986056804657},{"word":"claim","start":2227.99,"end":2228.23,"confidence":0.9741211,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.2485087811946869},{"word":"and","start":2228.23,"end":2228.39,"confidence":0.36206055,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3199496269226074},{"word":"notice","start":2228.39,"end":2228.71,"confidence":0.98291016,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.2096489667892456},{"word":"of","start":2228.71,"end":2228.8699,"confidence":0.9902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.37272295355796814},{"word":"intent","start":2228.8699,"end":2229.3699,"confidence":0.82299805,"punctuated_word":"intent,","sentiment":"neutral","sentiment_score":0.10926228016614914},{"word":"can","start":2230.395,"end":2230.895,"confidence":0.9970703,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3968457877635956},{"word":"essentially","start":2231.2751,"end":2231.7751,"confidence":0.96435547,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.2567777931690216},{"word":"reduce","start":2232.075,"end":2232.395,"confidence":0.99902344,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.18233950436115265},{"word":"your","start":2232.395,"end":2232.635,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.35427841544151306},{"word":"taxable","start":2232.635,"end":2233.135,"confidence":1.0,"punctuated_word":"taxable","sentiment":"neutral","sentiment_score":0.15834806859493256},{"word":"income","start":2233.2751,"end":2233.7751,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.031062215566635132},{"word":"down","start":2235.195,"end":2235.695,"confidence":0.83081055,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.1806429624557495},{"word":"where","start":2238.715,"end":2239.115,"confidence":0.37158203,"punctuated_word":"Where","sentiment":"neutral","sentiment_score":-0.22476935386657715},{"word":"is","start":2239.115,"end":2239.615,"confidence":0.9140625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.19408708810806272},{"word":"sorry","start":2240.7952,"end":2241.195,"confidence":0.9926758,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.2787218987941742},{"word":"my","start":2241.195,"end":2241.355,"confidence":0.99902344,"punctuated_word":"My","sentiment":"negative","sentiment_score":-0.543397843837738},{"word":"computer's","start":2241.355,"end":2241.855,"confidence":0.8913574,"punctuated_word":"computer's","sentiment":"negative","sentiment_score":-0.5612953901290894},{"word":"frozen","start":2241.915,"end":2242.415,"confidence":0.9921875,"punctuated_word":"frozen","sentiment":"negative","sentiment_score":-0.5175665020942688},{"word":"slightly","start":2242.475,"end":2242.975,"confidence":0.9980469,"punctuated_word":"slightly","sentiment":"negative","sentiment_score":-0.4106508195400238},{"word":"because","start":2244.1199,"end":2244.3599,"confidence":1.0,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.34960442781448364},{"word":"it","start":2244.3599,"end":2244.52,"confidence":0.9980469,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4133659899234772},{"word":"takes","start":2244.52,"end":2244.8398,"confidence":0.9941406,"punctuated_word":"takes","sentiment":"negative","sentiment_score":-0.3469776511192322},{"word":"into","start":2244.8398,"end":2245.16,"confidence":0.9760742,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.3047162592411041},{"word":"account","start":2245.16,"end":2245.66,"confidence":0.99121094,"punctuated_word":"account","sentiment":"negative","sentiment_score":-0.36066511273384094},{"word":"tax","start":2246.1199,"end":2246.6199,"confidence":0.6694336,"punctuated_word":"tax","sentiment":"negative","sentiment_score":-0.394278347492218},{"word":"changes","start":2246.68,"end":2247.18,"confidence":0.9489746,"punctuated_word":"changes.","sentiment":"negative","sentiment_score":-0.33747631311416626},{"word":"six","start":2247.92,"end":2248.42,"confidence":0.20690918,"punctuated_word":"Six","sentiment":"neutral","sentiment_score":-0.004708483815193176},{"word":"six","start":2249.16,"end":2249.66,"confidence":0.27539062,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.0069799236953258514},{"word":"seven","start":2250.44,"end":2250.92,"confidence":0.9484863,"punctuated_word":"seven.","sentiment":"neutral","sentiment_score":-0.003679238259792328},{"word":"yeah","start":2250.92,"end":2251.42,"confidence":0.9013672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.27530935406684875},{"word":"so","start":2251.72,"end":2251.96,"confidence":0.9970703,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3796960115432739},{"word":"that","start":2251.96,"end":2252.1199,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.43635469675064087},{"word":"would","start":2252.1199,"end":2252.44,"confidence":1.0,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.4481260180473328},{"word":"save","start":2252.44,"end":2252.76,"confidence":0.99902344,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.3093106746673584},{"word":"you","start":2252.76,"end":2253.26,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5278324484825134},{"word":"roughly","start":2253.7998,"end":2254.2998,"confidence":0.97802734,"punctuated_word":"roughly","sentiment":"positive","sentiment_score":0.5046800374984741},{"word":"about","start":2254.3599,"end":2254.5999,"confidence":0.9980469,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.42043304443359375},{"word":"you","start":2255.655,"end":2255.815,"confidence":0.9819336,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4786432683467865},{"word":"get","start":2255.815,"end":2256.215,"confidence":0.9838867,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4966774880886078},{"word":"basically","start":2256.215,"end":2256.615,"confidence":0.8457031,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.2905932664871216},{"word":"a","start":2256.615,"end":2256.7751,"confidence":0.99316406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4680581986904144},{"word":"whole","start":2256.7751,"end":2257.0151,"confidence":0.99902344,"punctuated_word":"whole","sentiment":"positive","sentiment_score":0.3562432825565338},{"word":"offset","start":2257.0151,"end":2257.415,"confidence":0.7956543,"punctuated_word":"offset.","sentiment":"neutral","sentiment_score":0.2950088381767273},{"word":"so","start":2257.415,"end":2257.495,"confidence":0.5683594,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3879499137401581},{"word":"you","start":2257.495,"end":2257.655,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4784558415412903},{"word":"could","start":2257.655,"end":2257.815,"confidence":0.66552734,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.5353706479072571},{"word":"reduce","start":2257.815,"end":2258.135,"confidence":1.0,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.23635870218276975},{"word":"your","start":2258.135,"end":2258.295,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4097415208816528},{"word":"taxable","start":2258.295,"end":2258.7751,"confidence":0.99609375,"punctuated_word":"taxable","sentiment":"neutral","sentiment_score":0.2558492422103882},{"word":"income","start":2258.7751,"end":2259.2751,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.02723240852355957},{"word":"by","start":2259.415,"end":2259.655,"confidence":0.9980469,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.29936230182647705},{"word":"about","start":2259.655,"end":2259.975,"confidence":0.99316406,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.340815007686615},{"word":"that","start":2259.975,"end":2260.215,"confidence":0.98291016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2706284523010254},{"word":"1,040","start":2260.215,"end":2261.595,"confidence":0.99902344,"punctuated_word":"1,040.","sentiment":"neutral","sentiment_score":0.18552257120609283},{"word":"yeah","start":2264.295,"end":2264.795,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.46532565355300903},{"word":"yeah","start":2266.695,"end":2267.195,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.28513646125793457},{"word":"well","start":2267.81,"end":2267.97,"confidence":0.9941406,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.19668249785900116},{"word":"at","start":2267.97,"end":2268.21,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13092587888240814},{"word":"the","start":2268.21,"end":2268.3699,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14658863842487335},{"word":"moment","start":2268.3699,"end":2268.85,"confidence":0.9875488,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.12272047996520996},{"word":"if","start":2268.85,"end":2269.01,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1969567239284515},{"word":"i'm","start":2269.01,"end":2269.17,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1067800149321556},{"word":"looking","start":2269.17,"end":2269.49,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.05975522845983505},{"word":"at","start":2269.49,"end":2269.81,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.032604143023490906},{"word":"the","start":2269.81,"end":2269.97,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10015256702899931},{"word":"tax","start":2269.97,"end":2270.29,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.04001328349113464},{"word":"bracket","start":2270.29,"end":2270.69,"confidence":0.9951172,"punctuated_word":"bracket","sentiment":"neutral","sentiment_score":0.08431753516197205},{"word":"you're","start":2270.69,"end":2270.93,"confidence":0.9926758,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.10762114822864532},{"word":"in","start":2270.93,"end":2271.43,"confidence":0.85668945,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.06818809360265732},{"word":"so","start":2271.49,"end":2271.89,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10512860119342804},{"word":"you","start":2271.89,"end":2272.05,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1921282708644867},{"word":"are","start":2272.05,"end":2272.29,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14558511972427368},{"word":"in","start":2272.29,"end":2272.45,"confidence":0.97998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1591477245092392},{"word":"the","start":2272.45,"end":2272.61,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16498808562755585},{"word":"lowest","start":2272.61,"end":2273.01,"confidence":0.99902344,"punctuated_word":"lowest","sentiment":"neutral","sentiment_score":0.10969720780849455},{"word":"tax","start":2273.01,"end":2273.33,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.02130889892578125},{"word":"bracket","start":2273.33,"end":2273.83,"confidence":0.8942871,"punctuated_word":"bracket.","sentiment":"neutral","sentiment_score":0.07789358496665955},{"word":"so","start":2274.93,"end":2275.09,"confidence":0.91748047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3179113566875458},{"word":"you're","start":2275.09,"end":2275.33,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3624372184276581},{"word":"in","start":2275.33,"end":2275.49,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.37201666831970215},{"word":"that","start":2275.49,"end":2275.73,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.508857250213623},{"word":"sort","start":2275.73,"end":2275.89,"confidence":0.9707031,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2732875943183899},{"word":"of","start":2275.89,"end":2275.97,"confidence":0.9770508,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39015960693359375},{"word":"16%","start":2275.97,"end":2276.77,"confidence":0.9916992,"punctuated_word":"16%","sentiment":"neutral","sentiment_score":0.28931909799575806},{"word":"tax","start":2276.77,"end":2277.01,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.27626484632492065},{"word":"bracket","start":2277.01,"end":2277.49,"confidence":0.9980469,"punctuated_word":"bracket","sentiment":"neutral","sentiment_score":0.27189692854881287},{"word":"there","start":2277.49,"end":2277.99,"confidence":0.9855957,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.3698555827140808},{"word":"if","start":2278.13,"end":2278.29,"confidence":0.9970703,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.4452263116836548},{"word":"i'm","start":2278.29,"end":2278.79,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4657624959945678},{"word":"reapplying","start":2279.09,"end":2279.59,"confidence":0.9995117,"punctuated_word":"reapplying","sentiment":"positive","sentiment_score":0.3390120565891266},{"word":"that","start":2280.05,"end":2280.3699,"confidence":0.97021484,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.3667597770690918},{"word":"it","start":2280.3699,"end":2280.61,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3853739500045776},{"word":"keeps","start":2280.61,"end":2280.93,"confidence":0.97314453,"punctuated_word":"keeps","sentiment":"positive","sentiment_score":0.4045287370681762},{"word":"you","start":2280.93,"end":2281.01,"confidence":0.7729492,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4325559437274933},{"word":"in","start":2281.01,"end":2281.17,"confidence":0.90527344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.464331328868866},{"word":"the","start":2281.17,"end":2281.33,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4769485890865326},{"word":"same","start":2281.33,"end":2281.57,"confidence":1.0,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.5253626108169556},{"word":"tax","start":2281.57,"end":2281.89,"confidence":1.0,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.40534937381744385},{"word":"bracket","start":2281.89,"end":2282.39,"confidence":0.9904785,"punctuated_word":"bracket.","sentiment":"positive","sentiment_score":0.41918057203292847},{"word":"it","start":2282.735,"end":2282.895,"confidence":1.0,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.421131432056427},{"word":"just","start":2282.895,"end":2283.055,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.365303099155426},{"word":"gives","start":2283.055,"end":2283.295,"confidence":1.0,"punctuated_word":"gives","sentiment":"positive","sentiment_score":0.4138146042823791},{"word":"you","start":2283.295,"end":2283.535,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5015305280685425},{"word":"a","start":2283.535,"end":2283.615,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4729152321815491},{"word":"little","start":2283.615,"end":2283.855,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.44053587317466736},{"word":"bit","start":2283.855,"end":2284.095,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3833007514476776},{"word":"more","start":2284.095,"end":2284.335,"confidence":0.99902344,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.3652723431587219},{"word":"of","start":2284.335,"end":2284.575,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4687178432941437},{"word":"a","start":2284.575,"end":2284.815,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4428625702857971},{"word":"tax","start":2284.815,"end":2285.215,"confidence":1.0,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.3519705533981323},{"word":"deduction","start":2285.215,"end":2285.695,"confidence":0.8828125,"punctuated_word":"deduction,","sentiment":"positive","sentiment_score":0.386260449886322},{"word":"which","start":2285.695,"end":2286.0151,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4111643433570862},{"word":"might","start":2286.0151,"end":2286.175,"confidence":1.0,"punctuated_word":"might","sentiment":"positive","sentiment_score":0.3903246819972992},{"word":"give","start":2286.175,"end":2286.415,"confidence":0.99316406,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.4680930972099304},{"word":"you","start":2286.415,"end":2286.575,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5069128274917603},{"word":"a","start":2286.575,"end":2286.655,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4538997411727905},{"word":"little","start":2286.655,"end":2286.895,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.40168166160583496},{"word":"bit","start":2286.895,"end":2287.055,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3794829845428467},{"word":"more","start":2287.055,"end":2287.215,"confidence":0.9980469,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.36492785811424255},{"word":"of","start":2287.215,"end":2287.375,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4759829640388489},{"word":"a","start":2287.375,"end":2287.455,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4587323069572449},{"word":"refund","start":2287.455,"end":2287.955,"confidence":0.6783447,"punctuated_word":"refund.","sentiment":"positive","sentiment_score":0.4253579974174499},{"word":"this","start":2288.095,"end":2288.335,"confidence":0.65356445,"punctuated_word":"This,","sentiment":"positive","sentiment_score":0.4667039215564728},{"word":"you","start":2288.335,"end":2288.495,"confidence":0.9941406,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5646637082099915},{"word":"know","start":2288.495,"end":2288.655,"confidence":0.9980469,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.4707936644554138},{"word":"help","start":2288.655,"end":2288.975,"confidence":0.90478516,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.5938090682029724},{"word":"get","start":2288.975,"end":2289.135,"confidence":0.9980469,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5803714990615845},{"word":"a","start":2289.135,"end":2289.215,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5276868939399719},{"word":"little","start":2289.215,"end":2289.455,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.504636824131012},{"word":"bit","start":2289.455,"end":2289.615,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4943794012069702},{"word":"more","start":2289.615,"end":2289.935,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.47783276438713074},{"word":"tax","start":2289.935,"end":2290.175,"confidence":0.9667969,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.5228584408760071},{"word":"back","start":2290.175,"end":2290.415,"confidence":0.98291016,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.40468186140060425},{"word":"at","start":2290.415,"end":2290.495,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.42956268787384033},{"word":"the","start":2290.495,"end":2290.655,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4676966667175293},{"word":"end","start":2290.655,"end":2290.815,"confidence":1.0,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.44346338510513306},{"word":"of","start":2290.815,"end":2290.895,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.528728723526001},{"word":"the","start":2290.895,"end":2290.975,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5172392129898071},{"word":"year","start":2290.975,"end":2291.475,"confidence":0.98583984,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.4830284118652344},{"word":"which","start":2291.855,"end":2292.0151,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5447466969490051},{"word":"is","start":2292.0151,"end":2292.2551,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.45124107599258423},{"word":"ultimately","start":2292.2551,"end":2292.7551,"confidence":0.98095703,"punctuated_word":"ultimately","sentiment":"positive","sentiment_score":0.41506895422935486},{"word":"what","start":2292.895,"end":2293.135,"confidence":0.9980469,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5791063904762268},{"word":"you","start":2293.135,"end":2293.295,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6016509532928467},{"word":"kind","start":2293.295,"end":2293.535,"confidence":0.96533203,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.4035691022872925},{"word":"of","start":2293.535,"end":2293.615,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.520901620388031},{"word":"want","start":2293.615,"end":2293.935,"confidence":0.8161621,"punctuated_word":"want,","sentiment":"positive","sentiment_score":0.445753276348114},{"word":"a","start":2293.935,"end":2294.0151,"confidence":0.98095703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5434408187866211},{"word":"bit","start":2294.0151,"end":2294.2551,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4342173635959625},{"word":"more","start":2294.2551,"end":2294.415,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4539338946342468},{"word":"tax","start":2294.415,"end":2294.735,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.4957689642906189},{"word":"back","start":2294.735,"end":2295.235,"confidence":0.98413086,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.31030720472335815},{"word":"the","start":2296.34,"end":2296.58,"confidence":0.9902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04777136445045471},{"word":"money","start":2296.58,"end":2296.98,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.06809920072555542},{"word":"when","start":2296.98,"end":2297.06,"confidence":0.6723633,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05233048647642136},{"word":"you","start":2297.06,"end":2297.3,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1443084478378296},{"word":"claim","start":2297.3,"end":2297.62,"confidence":0.9873047,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.09759876877069472},{"word":"that","start":2297.62,"end":2297.86,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05906204879283905},{"word":"notice","start":2297.86,"end":2298.18,"confidence":0.97265625,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.021223247051239017},{"word":"of","start":2298.18,"end":2298.42,"confidence":0.65966797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04320918023586273},{"word":"intent","start":2298.42,"end":2298.9,"confidence":0.99902344,"punctuated_word":"intent","sentiment":"neutral","sentiment_score":-0.022199243307113647},{"word":"inside","start":2298.9,"end":2299.4,"confidence":0.99609375,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.007752172648906708},{"word":"super","start":2299.54,"end":2300.04,"confidence":0.7927246,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.07326577603816986},{"word":"it","start":2300.82,"end":2301.06,"confidence":0.9370117,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05177310109138489},{"word":"means","start":2301.06,"end":2301.3801,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.05045217275619507},{"word":"the","start":2301.3801,"end":2301.54,"confidence":0.68408203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0702037662267685},{"word":"super","start":2301.54,"end":2301.86,"confidence":0.9326172,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.009481251239776611},{"word":"fund","start":2301.86,"end":2302.1,"confidence":0.93603516,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.03641365468502045},{"word":"does","start":2302.1,"end":2302.42,"confidence":0.9970703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.030516132712364197},{"word":"take","start":2302.42,"end":2302.74,"confidence":0.9951172,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.1128394901752472},{"word":"15%","start":2302.74,"end":2303.62,"confidence":0.9980469,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.037550151348114014},{"word":"tax","start":2303.62,"end":2303.94,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.0023891031742095947},{"word":"out","start":2303.94,"end":2304.1,"confidence":0.9892578,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.10664278268814088},{"word":"of","start":2304.1,"end":2304.26,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07369469106197357},{"word":"those","start":2304.26,"end":2304.58,"confidence":0.9604492,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.034964755177497864},{"word":"that","start":2304.66,"end":2304.9,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05492895841598511},{"word":"money","start":2304.9,"end":2305.4,"confidence":0.92578125,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.0638856366276741},{"word":"but","start":2305.94,"end":2306.18,"confidence":0.9790039,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06935449689626694},{"word":"with","start":2306.18,"end":2306.42,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0991237610578537},{"word":"$1,040","start":2306.42,"end":2308.2,"confidence":0.9980469,"punctuated_word":"$1,040,","sentiment":"neutral","sentiment_score":0.179669126868248},{"word":"it","start":2308.695,"end":2308.855,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2176181823015213},{"word":"would","start":2308.855,"end":2309.0151,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.13806487619876862},{"word":"be","start":2309.0151,"end":2309.2551,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1915218085050583},{"word":"about","start":2309.2551,"end":2309.495,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12094451487064362},{"word":"a","start":2309.495,"end":2309.655,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23255012929439545},{"word":"$156","start":2309.655,"end":2311.2551,"confidence":0.9987793,"punctuated_word":"$156","sentiment":"neutral","sentiment_score":0.1841558814048767},{"word":"in","start":2311.2551,"end":2311.415,"confidence":0.80810547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.053437888622283936},{"word":"tax","start":2311.415,"end":2311.915,"confidence":0.9433594,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.08169464766979218},{"word":"so","start":2312.7751,"end":2312.855,"confidence":0.9707031,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14282408356666565},{"word":"you","start":2312.855,"end":2313.0151,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4191523790359497},{"word":"would","start":2313.0151,"end":2313.2551,"confidence":1.0,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.39693909883499146},{"word":"still","start":2313.2551,"end":2313.5752,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4497590661048889},{"word":"have","start":2313.5752,"end":2313.895,"confidence":0.9980469,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5489940643310547},{"word":"quite","start":2313.895,"end":2314.135,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.4083777368068695},{"word":"a","start":2314.135,"end":2314.215,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5042805075645447},{"word":"lot","start":2314.215,"end":2314.455,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.39555126428604126},{"word":"of","start":2314.455,"end":2314.5352,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4611435830593109},{"word":"that","start":2314.5352,"end":2314.7751,"confidence":0.9970703,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.46131765842437744},{"word":"money","start":2314.7751,"end":2315.2751,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.3174133598804474},{"word":"invested","start":2315.975,"end":2316.475,"confidence":0.99658203,"punctuated_word":"invested.","sentiment":"neutral","sentiment_score":0.24206119775772095},{"word":"you'd","start":2318.695,"end":2318.935,"confidence":0.86206055,"punctuated_word":"You'd","sentiment":"positive","sentiment_score":0.44327378273010254},{"word":"still","start":2318.935,"end":2319.175,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5119374394416809},{"word":"have","start":2319.175,"end":2319.495,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5600677132606506},{"word":"$884","start":2319.495,"end":2321.0151,"confidence":0.9911133,"punctuated_word":"$884","sentiment":"positive","sentiment_score":0.5552100539207458},{"word":"roughly","start":2321.0151,"end":2321.495,"confidence":0.9370117,"punctuated_word":"roughly","sentiment":"positive","sentiment_score":0.5991688370704651},{"word":"invested","start":2321.495,"end":2321.88,"confidence":0.8774414,"punctuated_word":"invested","sentiment":"positive","sentiment_score":0.36307066679000854},{"word":"in","start":2323.0798,"end":2323.4,"confidence":0.5449219,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6696460247039795},{"word":"the","start":2323.4,"end":2323.72,"confidence":0.69091797,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5359561443328857},{"word":"super","start":2323.72,"end":2323.7998,"confidence":0.6328125,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.432507187128067},{"word":"fund","start":2323.7998,"end":2324.2998,"confidence":0.7397461,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.4598893523216248},{"word":"working","start":2324.44,"end":2324.94,"confidence":0.86572266,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.6481555104255676},{"word":"harder","start":2325.0,"end":2325.04,"confidence":0.640625,"punctuated_word":"harder","sentiment":"positive","sentiment_score":0.5092795491218567},{"word":"for","start":2325.04,"end":2325.0798,"confidence":0.9248047,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6888250708580017},{"word":"you","start":2325.0798,"end":2325.5598,"confidence":0.7290039,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.5478947162628174},{"word":"and","start":2325.5598,"end":2325.693,"confidence":0.45239258,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5189738273620605},{"word":"then","start":2325.693,"end":2325.8267,"confidence":0.8354492,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.4042280018329621},{"word":"you","start":2325.8267,"end":2325.96,"confidence":0.73583984,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5539799332618713},{"word":"can","start":2325.96,"end":2326.46,"confidence":0.83984375,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5635442137718201},{"word":"claim","start":2326.5999,"end":2326.7065,"confidence":0.9038086,"punctuated_word":"claim","sentiment":"positive","sentiment_score":0.5519587397575378},{"word":"that","start":2326.7065,"end":2326.8132,"confidence":0.890625,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6267231702804565},{"word":"1,040","start":2326.8132,"end":2327.5798,"confidence":0.84973145,"punctuated_word":"1,040","sentiment":"positive","sentiment_score":0.612855076789856},{"word":"as","start":2327.64,"end":2327.72,"confidence":0.8491211,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5583891868591309},{"word":"a","start":2327.72,"end":2327.7998,"confidence":0.8642578,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.618224024772644},{"word":"tax","start":2327.7998,"end":2328.2798,"confidence":0.6640625,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.5619904398918152},{"word":"deduction","start":2328.2798,"end":2328.7798,"confidence":0.70751953,"punctuated_word":"deduction","sentiment":"positive","sentiment_score":0.5749573111534119},{"word":"and","start":2328.92,"end":2329.0,"confidence":0.7597656,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5646364092826843},{"word":"hopefully","start":2329.0,"end":2329.1467,"confidence":0.45507812,"punctuated_word":"hopefully","sentiment":"positive","sentiment_score":0.5905933380126953},{"word":"get","start":2329.1467,"end":2329.2932,"confidence":0.8588867,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.6765754222869873},{"word":"a","start":2329.2932,"end":2329.44,"confidence":0.9350586,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.69428551197052},{"word":"bit","start":2329.44,"end":2329.5867,"confidence":0.8984375,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.560632586479187},{"word":"more","start":2329.5867,"end":2329.7332,"confidence":0.8520508,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.6648609042167664},{"word":"of","start":2329.7332,"end":2329.88,"confidence":0.91259766,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6066431403160095},{"word":"a","start":2329.88,"end":2330.2,"confidence":0.8828125,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6068499088287354},{"word":"tax","start":2330.2,"end":2330.68,"confidence":0.6176758,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.5273597240447998},{"word":"return","start":2330.68,"end":2331.0798,"confidence":0.9313965,"punctuated_word":"return.","sentiment":"positive","sentiment_score":0.424727201461792},{"word":"does","start":2331.0798,"end":2331.24,"confidence":0.63671875,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.11244408786296844},{"word":"that","start":2331.24,"end":2331.48,"confidence":0.87353516,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26606285572052},{"word":"sound","start":2331.48,"end":2331.98,"confidence":0.9086914,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.10946017503738403},{"word":"okay","start":2334.695,"end":2335.195,"confidence":0.9897461,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.1184779331088066},{"word":"yeah","start":2351.75,"end":2352.23,"confidence":0.76000977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17337799072265625},{"word":"so","start":2352.23,"end":2352.5498,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17175385355949402},{"word":"that's","start":2352.5498,"end":2353.0498,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1774117648601532},{"word":"essentially","start":2353.43,"end":2353.91,"confidence":0.57910156,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.16250276565551758},{"word":"the","start":2353.91,"end":2354.0698,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20025093853473663},{"word":"government","start":2354.0698,"end":2354.5498,"confidence":0.99902344,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.26158004999160767},{"word":"co","start":2354.5498,"end":2355.03,"confidence":0.7441406,"punctuated_word":"co","sentiment":"neutral","sentiment_score":0.2325848639011383},{"word":"contribution","start":2355.03,"end":2355.53,"confidence":0.8730469,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":0.2004975229501724},{"word":"and","start":2355.8298,"end":2356.23,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.29147011041641235},{"word":"because","start":2356.23,"end":2356.5498,"confidence":0.9951172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.18752656877040863},{"word":"your","start":2356.5498,"end":2356.8699,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.36801469326019287},{"word":"income","start":2356.8699,"end":2357.19,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.3180476427078247},{"word":"is","start":2357.19,"end":2357.3499,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.284028023481369},{"word":"under","start":2357.3499,"end":2357.67,"confidence":1.0,"punctuated_word":"under","sentiment":"positive","sentiment_score":0.4184299111366272},{"word":"the","start":2357.67,"end":2357.8298,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31519815325737},{"word":"threshold","start":2357.8298,"end":2358.3298,"confidence":1.0,"punctuated_word":"threshold","sentiment":"neutral","sentiment_score":0.2100936770439148},{"word":"there","start":2358.47,"end":2358.97,"confidence":0.99609375,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.2714535892009735},{"word":"if","start":2359.595,"end":2359.9148,"confidence":0.97314453,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4627400040626526},{"word":"you","start":2359.9148,"end":2360.075,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4163641035556793},{"word":"do","start":2360.075,"end":2360.315,"confidence":0.9980469,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3429068326950073},{"word":"make","start":2360.315,"end":2360.555,"confidence":0.99609375,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.34064289927482605},{"word":"the","start":2360.555,"end":2360.875,"confidence":0.9589844,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37916070222854614},{"word":"contribution","start":2360.875,"end":2361.375,"confidence":0.9946289,"punctuated_word":"contribution,","sentiment":"positive","sentiment_score":0.37181201577186584},{"word":"it","start":2362.795,"end":2363.295,"confidence":0.9482422,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5007649660110474},{"word":"absolutely","start":2363.4348,"end":2363.9348,"confidence":0.96972656,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.4911069571971894},{"word":"can","start":2364.555,"end":2365.055,"confidence":0.9892578,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4680573642253876},{"word":"count","start":2365.1948,"end":2365.6948,"confidence":0.97143555,"punctuated_word":"count.","sentiment":"neutral","sentiment_score":0.3042949438095093},{"word":"i'm","start":2368.875,"end":2369.115,"confidence":0.6981201,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.09517161548137663},{"word":"just","start":2369.115,"end":2369.4348,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06362020969390869},{"word":"not","start":2369.4348,"end":2369.6748,"confidence":0.99609375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2682356834411621},{"word":"sure","start":2369.6748,"end":2370.075,"confidence":0.9980469,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.23329082131385803},{"word":"if","start":2370.075,"end":2370.2349,"confidence":0.94921875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.22071310877799988},{"word":"it's","start":2370.2349,"end":2370.4749,"confidence":0.8405762,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.23273253440856936},{"word":"if","start":2370.6348,"end":2370.795,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.17359618842601776},{"word":"we","start":2370.795,"end":2371.035,"confidence":0.9892578,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11448152363300323},{"word":"change","start":2371.035,"end":2371.4348,"confidence":0.9550781,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.21586552262306213},{"word":"the","start":2371.4348,"end":2371.595,"confidence":0.8647461,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21861585974693296},{"word":"contribution","start":2371.595,"end":2372.04,"confidence":0.9482422,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":-0.22894436120986936},{"word":"if","start":2372.12,"end":2372.28,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07109895348548889},{"word":"it","start":2372.28,"end":2372.44,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09024804830551147},{"word":"does","start":2372.44,"end":2372.94,"confidence":0.7636719,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":-0.08658700436353683},{"word":"but","start":2373.08,"end":2373.24,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.20190663635730743},{"word":"making","start":2373.24,"end":2373.6401,"confidence":0.9921875,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.35255539417266846},{"word":"that","start":2373.6401,"end":2373.96,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2526130676269531},{"word":"contribution","start":2373.96,"end":2374.46,"confidence":0.97314453,"punctuated_word":"contribution,","sentiment":"neutral","sentiment_score":0.29455938935279846},{"word":"the","start":2374.6,"end":2374.84,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4682379364967346},{"word":"thousand","start":2374.84,"end":2375.1602,"confidence":0.9970703,"punctuated_word":"thousand","sentiment":"positive","sentiment_score":0.4715907871723175},{"word":"dollars","start":2375.1602,"end":2375.6401,"confidence":1.0,"punctuated_word":"dollars","sentiment":"positive","sentiment_score":0.4491979479789734},{"word":"there","start":2375.6401,"end":2376.1401,"confidence":0.935791,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.3671063184738159},{"word":"does","start":2376.2,"end":2376.52,"confidence":0.8745117,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.318939745426178},{"word":"make","start":2376.52,"end":2376.6,"confidence":0.99902344,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3521229028701782},{"word":"you","start":2376.6,"end":2376.84,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3493502736091614},{"word":"eligible","start":2376.84,"end":2377.32,"confidence":1.0,"punctuated_word":"eligible","sentiment":"positive","sentiment_score":0.4129909574985504},{"word":"for","start":2377.32,"end":2377.4001,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4389212727546692},{"word":"the","start":2377.4001,"end":2377.6401,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35582733154296875},{"word":"go","start":2377.6401,"end":2377.96,"confidence":0.9741211,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2487679123878479},{"word":"the","start":2378.04,"end":2378.2,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4030851721763611},{"word":"government","start":2378.2,"end":2378.52,"confidence":0.9716797,"punctuated_word":"government","sentiment":"positive","sentiment_score":0.3364056944847107},{"word":"sorry","start":2378.76,"end":2379.08,"confidence":0.8234863,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.15838801860809326},{"word":"government","start":2379.08,"end":2379.48,"confidence":0.9970703,"punctuated_word":"government","sentiment":"positive","sentiment_score":0.3515963852405548},{"word":"co","start":2379.48,"end":2379.96,"confidence":0.86279297,"punctuated_word":"co","sentiment":"neutral","sentiment_score":0.1875832825899124},{"word":"contribution","start":2379.96,"end":2380.46,"confidence":0.7324219,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":0.2577235698699951},{"word":"and","start":2381.1602,"end":2381.32,"confidence":0.6616211,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18144062161445615},{"word":"that's","start":2381.32,"end":2381.72,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.18223658204078672},{"word":"$500","start":2381.72,"end":2382.68,"confidence":1.0,"punctuated_word":"$500","sentiment":"positive","sentiment_score":0.3422403037548065},{"word":"that","start":2382.68,"end":2382.76,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21974992752075195},{"word":"gets","start":2382.76,"end":2383.0,"confidence":0.9819336,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.2213153839111328},{"word":"added","start":2383.0,"end":2383.32,"confidence":1.0,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.2167892754077911},{"word":"to","start":2383.32,"end":2383.4001,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20906990766525269},{"word":"your","start":2383.4001,"end":2383.6401,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1816105991601944},{"word":"suit","start":2383.6401,"end":2383.96,"confidence":0.539917,"punctuated_word":"suit.","sentiment":"neutral","sentiment_score":0.11870941519737244},{"word":"they","start":2383.96,"end":2384.04,"confidence":0.7080078,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.23424780368804932},{"word":"don't","start":2384.04,"end":2384.28,"confidence":0.99560547,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.24142807722091675},{"word":"match","start":2384.28,"end":2384.52,"confidence":0.9589844,"punctuated_word":"match","sentiment":"neutral","sentiment_score":-0.09821785241365431},{"word":"it","start":2384.52,"end":2384.68,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2515336871147156},{"word":"anymore","start":2384.68,"end":2385.08,"confidence":0.98095703,"punctuated_word":"anymore.","sentiment":"neutral","sentiment_score":-0.31752389669418335},{"word":"they","start":2385.08,"end":2385.24,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.18054257333278656},{"word":"just","start":2385.24,"end":2385.48,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08654175698757172},{"word":"do","start":2385.48,"end":2385.6401,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07698492705821991},{"word":"a","start":2385.6401,"end":2385.72,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05026644095778465},{"word":"maximum","start":2385.72,"end":2386.22,"confidence":0.99121094,"punctuated_word":"maximum","sentiment":"neutral","sentiment_score":0.0629640519618988},{"word":"of","start":2386.28,"end":2386.36,"confidence":0.9116211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02951750159263611},{"word":"$500","start":2386.36,"end":2387.5,"confidence":0.99902344,"punctuated_word":"$500.","sentiment":"neutral","sentiment_score":-0.06787870079278946},{"word":"i","start":2388.305,"end":2388.4648,"confidence":0.9716797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02505891770124435},{"word":"just","start":2388.4648,"end":2388.7048,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05296088755130768},{"word":"need","start":2388.7048,"end":2388.9448,"confidence":0.99609375,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0384940430521965},{"word":"to","start":2388.9448,"end":2389.105,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.028679795563220974},{"word":"check","start":2389.105,"end":2389.345,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.03220243752002716},{"word":"if","start":2389.345,"end":2389.6648,"confidence":0.9013672,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.08662553876638412},{"word":"because","start":2389.7449,"end":2390.065,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09338259696960448},{"word":"i'm","start":2390.065,"end":2390.1448,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.18285420536994937},{"word":"not","start":2390.1448,"end":2390.3848,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.26085102558135986},{"word":"sure","start":2390.3848,"end":2390.8848,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.23375456035137177},{"word":"if","start":2390.9448,"end":2391.1848,"confidence":0.7817383,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.20509496331214905},{"word":"i","start":2391.1848,"end":2391.345,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2211708277463913},{"word":"change","start":2391.345,"end":2391.505,"confidence":0.6455078,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.24003401398658752},{"word":"if","start":2391.6648,"end":2391.825,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.17680612206459043},{"word":"we","start":2391.825,"end":2391.9849,"confidence":0.9707031,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11649216711521149},{"word":"claim","start":2391.9849,"end":2392.3848,"confidence":0.875,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.054772138595581055},{"word":"a","start":2392.3848,"end":2392.4648,"confidence":0.41479492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10918166488409042},{"word":"notice","start":2392.4648,"end":2392.7048,"confidence":0.5493164,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":-0.09181421995162964},{"word":"of","start":2392.7048,"end":2392.785,"confidence":0.95166016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.031833499670028687},{"word":"intent","start":2392.785,"end":2393.1848,"confidence":0.87158203,"punctuated_word":"intent,","sentiment":"neutral","sentiment_score":-0.01842893660068512},{"word":"if","start":2393.1848,"end":2393.345,"confidence":0.9892578,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0411478653550148},{"word":"they","start":2393.345,"end":2393.585,"confidence":0.9863281,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.051282837986946106},{"word":"still","start":2393.585,"end":2393.9048,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.042216211557388306},{"word":"get","start":2393.9048,"end":2394.2249,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.08324682712554932},{"word":"the","start":2394.2249,"end":2394.7249,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03402616083621979},{"word":"the","start":2396.065,"end":2396.305,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020087942481040955},{"word":"tax","start":2396.305,"end":2396.7048,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.059365153312683105},{"word":"deduction","start":2396.7048,"end":2397.1848,"confidence":0.8820801,"punctuated_word":"deduction.","sentiment":"neutral","sentiment_score":-0.019291236996650696},{"word":"so","start":2397.1848,"end":2397.4248,"confidence":0.9760742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.007783584296703339},{"word":"give","start":2397.4248,"end":2397.6648,"confidence":0.9951172,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.00880499929189682},{"word":"me","start":2397.6648,"end":2397.825,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05569395422935486},{"word":"one","start":2397.825,"end":2398.065,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.001894332468509674},{"word":"second","start":2398.065,"end":2398.3848,"confidence":0.99902344,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.028651300817728043},{"word":"i'm","start":2398.3848,"end":2398.545,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0802871584892273},{"word":"just","start":2398.545,"end":2398.785,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0925235077738762},{"word":"gonna","start":2398.785,"end":2399.025,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.118544839322567},{"word":"have","start":2399.025,"end":2399.1848,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1686885952949524},{"word":"a","start":2399.1848,"end":2399.265,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1120714619755745},{"word":"quick","start":2399.265,"end":2399.505,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.09490741789340972},{"word":"look","start":2399.505,"end":2399.6648,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07491133362054825},{"word":"on","start":2399.6648,"end":2399.7449,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06926313042640686},{"word":"that","start":2399.7449,"end":2399.9849,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09115235507488252},{"word":"one","start":2399.9849,"end":2400.1448,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08734191209077835},{"word":"for","start":2400.1448,"end":2400.305,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12764236330986023},{"word":"you","start":2400.305,"end":2400.805,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.0990217849612236},{"word":"yeah","start":2440.295,"end":2440.695,"confidence":0.8564453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20633134245872495},{"word":"so","start":2440.695,"end":2441.095,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12141957879066469},{"word":"if","start":2441.095,"end":2441.255,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14904774725437164},{"word":"you","start":2441.255,"end":2441.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1303019821643829},{"word":"do","start":2441.655,"end":2441.895,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14648649096488953},{"word":"claim","start":2441.895,"end":2442.215,"confidence":0.99609375,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.12379784882068634},{"word":"the","start":2442.215,"end":2442.375,"confidence":0.9667969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0965401604771614},{"word":"notice","start":2442.375,"end":2442.775,"confidence":0.99902344,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.08241602778434753},{"word":"of","start":2442.775,"end":2442.935,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0709867924451828},{"word":"intent","start":2442.935,"end":2443.435,"confidence":0.9970703,"punctuated_word":"intent,","sentiment":"neutral","sentiment_score":0.044415317475795746},{"word":"it","start":2444.055,"end":2444.295,"confidence":0.8232422,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.036302149295806885},{"word":"changes","start":2444.295,"end":2444.775,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.002493128180503845},{"word":"the","start":2444.775,"end":2444.935,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03250248730182648},{"word":"contribution","start":2444.935,"end":2445.435,"confidence":1.0,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":-0.05577494204044342},{"word":"amount","start":2445.7349,"end":2446.2349,"confidence":0.8857422,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":-0.006875224411487579},{"word":"and","start":2446.535,"end":2446.775,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.004191316664218903},{"word":"they","start":2446.775,"end":2447.095,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.07619638741016388},{"word":"don't","start":2447.095,"end":2447.595,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.11000510305166245},{"word":"pay","start":2448.135,"end":2448.375,"confidence":0.98095703,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.16931094229221344},{"word":"the","start":2448.375,"end":2448.535,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1477009654045105},{"word":"government","start":2448.535,"end":2449.015,"confidence":0.99902344,"punctuated_word":"government","sentiment":"neutral","sentiment_score":-0.1924914717674255},{"word":"co","start":2449.015,"end":2449.415,"confidence":0.8774414,"punctuated_word":"co","sentiment":"neutral","sentiment_score":-0.1531396359205246},{"word":"contributions","start":2449.415,"end":2449.915,"confidence":0.7780762,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":-0.13334724307060242},{"word":"so","start":2450.295,"end":2450.795,"confidence":0.75756836,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.007303319871425629},{"word":"yeah","start":2451.7349,"end":2452.055,"confidence":0.98461914,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.09165962785482408},{"word":"it","start":2452.055,"end":2452.215,"confidence":0.78515625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10452523827552795},{"word":"more","start":2452.215,"end":2452.455,"confidence":0.7338867,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.09304358065128326},{"word":"does","start":2452.455,"end":2452.83,"confidence":0.47583008,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07442522048950195},{"word":"well","start":2454.1902,"end":2454.51,"confidence":0.9970703,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.20192521810531616},{"word":"if","start":2454.51,"end":2454.75,"confidence":0.99902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3472583293914795},{"word":"you","start":2454.75,"end":2454.9102,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26695576310157776},{"word":"don't","start":2454.9102,"end":2455.4102,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.24499782919883728},{"word":"claim","start":2455.71,"end":2455.9502,"confidence":0.7763672,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.03304600715637207},{"word":"that","start":2455.9502,"end":2456.1902,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22368241846561432},{"word":"notice","start":2456.1902,"end":2456.51,"confidence":0.9873047,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":-0.03188982605934143},{"word":"of","start":2456.51,"end":2456.75,"confidence":0.9116211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08561249077320099},{"word":"intent","start":2456.75,"end":2457.25,"confidence":0.9567871,"punctuated_word":"intent,","sentiment":"neutral","sentiment_score":0.08253457397222519},{"word":"obviously","start":2457.31,"end":2457.6301,"confidence":0.9875488,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.2018431127071381},{"word":"with","start":2457.6301,"end":2457.79,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.28387129306793213},{"word":"the","start":2457.79,"end":2457.9502,"confidence":0.94921875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.339707612991333},{"word":"government","start":2457.9502,"end":2458.35,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.254480242729187},{"word":"co","start":2458.35,"end":2458.59,"confidence":0.9873047,"punctuated_word":"co","sentiment":"neutral","sentiment_score":0.30751362442970276},{"word":"contribution","start":2458.59,"end":2459.07,"confidence":0.9543457,"punctuated_word":"contribution,","sentiment":"neutral","sentiment_score":0.26737090945243835},{"word":"that's","start":2459.07,"end":2459.23,"confidence":0.98535156,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.34404346346855164},{"word":"an","start":2459.23,"end":2459.3901,"confidence":0.91845703,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.4364028871059418},{"word":"extra","start":2459.3901,"end":2459.79,"confidence":1.0,"punctuated_word":"extra","sentiment":"positive","sentiment_score":0.37644970417022705},{"word":"$500","start":2459.79,"end":2460.6702,"confidence":0.99975586,"punctuated_word":"$500","sentiment":"positive","sentiment_score":0.33877310156822205},{"word":"that","start":2460.6702,"end":2460.9102,"confidence":0.99121094,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4475373327732086},{"word":"goes","start":2460.9102,"end":2461.23,"confidence":0.9980469,"punctuated_word":"goes","sentiment":"positive","sentiment_score":0.45820531249046326},{"word":"into","start":2461.23,"end":2461.55,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.42152759432792664},{"word":"your","start":2461.55,"end":2461.79,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4732927083969116},{"word":"super","start":2461.79,"end":2462.29,"confidence":0.7211914,"punctuated_word":"super,","sentiment":"positive","sentiment_score":0.36836349964141846},{"word":"but","start":2462.99,"end":2463.1501,"confidence":0.9428711,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.28094643354415894},{"word":"it","start":2463.1501,"end":2463.47,"confidence":0.9970703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3623566925525666},{"word":"also","start":2463.47,"end":2463.87,"confidence":0.9604492,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.38979747891426086},{"word":"does","start":2463.87,"end":2464.11,"confidence":1.0,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.37047678232192993},{"word":"mean","start":2464.11,"end":2464.35,"confidence":0.99902344,"punctuated_word":"mean","sentiment":"positive","sentiment_score":0.3416086733341217},{"word":"that","start":2464.35,"end":2464.51,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.34383904933929443},{"word":"there's","start":2464.51,"end":2464.75,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.30011186003685},{"word":"no","start":2464.75,"end":2464.9102,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.17393001914024353},{"word":"tax","start":2464.9102,"end":2465.205,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.06716024875640869},{"word":"taken","start":2465.205,"end":2465.5251,"confidence":0.9980469,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":0.1858151853084564},{"word":"out","start":2465.5251,"end":2465.605,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.10396456718444824},{"word":"of","start":2465.605,"end":2465.685,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4213487505912781},{"word":"that","start":2465.685,"end":2465.925,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.34506359696388245},{"word":"money","start":2465.925,"end":2466.3252,"confidence":0.9885254,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.24067962169647217},{"word":"so","start":2466.3252,"end":2466.485,"confidence":0.984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2542390823364258},{"word":"out","start":2466.485,"end":2466.725,"confidence":0.9980469,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3387821614742279},{"word":"of","start":2466.725,"end":2466.885,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.47531723976135254},{"word":"the","start":2466.885,"end":2467.0452,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.48415297269821167},{"word":"1,040","start":2467.0452,"end":2468.405,"confidence":0.99890137,"punctuated_word":"1,040,","sentiment":"positive","sentiment_score":0.3758892714977264},{"word":"that","start":2468.405,"end":2468.645,"confidence":0.9921875,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.541523814201355},{"word":"whole","start":2468.645,"end":2468.965,"confidence":1.0,"punctuated_word":"whole","sentiment":"positive","sentiment_score":0.4836711585521698},{"word":"1,040","start":2468.965,"end":2470.245,"confidence":0.9317627,"punctuated_word":"1,040","sentiment":"positive","sentiment_score":0.5005977153778076},{"word":"remains","start":2470.245,"end":2470.745,"confidence":0.9980469,"punctuated_word":"remains","sentiment":"positive","sentiment_score":0.5458175539970398},{"word":"invested","start":2470.8052,"end":2471.3052,"confidence":1.0,"punctuated_word":"invested","sentiment":"positive","sentiment_score":0.3640604615211487},{"word":"for","start":2471.445,"end":2471.685,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6339766979217529},{"word":"you","start":2471.685,"end":2472.185,"confidence":0.9802246,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4203556180000305},{"word":"so","start":2472.645,"end":2472.885,"confidence":0.99316406,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4072958528995514},{"word":"it's","start":2472.885,"end":2473.0452,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5061905980110168},{"word":"completely","start":2473.0452,"end":2473.5251,"confidence":1.0,"punctuated_word":"completely","sentiment":"positive","sentiment_score":0.5363121628761292},{"word":"up","start":2473.5251,"end":2473.685,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.21209414303302765},{"word":"to","start":2473.685,"end":2473.7651,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2482750564813614},{"word":"you","start":2473.7651,"end":2473.925,"confidence":0.85375977,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.03497530147433281},{"word":"but","start":2473.925,"end":2474.085,"confidence":0.8840332,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.07055629044771194},{"word":"realistically","start":2474.085,"end":2474.585,"confidence":0.99658203,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.09613002836704254},{"word":"i","start":2474.8052,"end":2474.965,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11183054000139236},{"word":"mean","start":2474.965,"end":2475.205,"confidence":0.99658203,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.1290949434041977},{"word":"the","start":2475.205,"end":2475.445,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18929533660411835},{"word":"tax","start":2475.445,"end":2475.685,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.23096518218517303},{"word":"while","start":2476.165,"end":2476.405,"confidence":0.3630371,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.1507607102394104},{"word":"it","start":2476.405,"end":2476.485,"confidence":0.7446289,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19076544046401975},{"word":"reduces","start":2476.485,"end":2476.985,"confidence":0.98291016,"punctuated_word":"reduces","sentiment":"neutral","sentiment_score":0.1437719166278839},{"word":"your","start":2477.125,"end":2477.2852,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1680029332637787},{"word":"taxable","start":2477.2852,"end":2477.7852,"confidence":1.0,"punctuated_word":"taxable","sentiment":"neutral","sentiment_score":0.10661028325557707},{"word":"income","start":2477.845,"end":2478.245,"confidence":0.99902344,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.1525600254535675},{"word":"you're","start":2478.245,"end":2478.485,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2338256537914276},{"word":"in","start":2478.485,"end":2478.645,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26342734694480896},{"word":"the","start":2478.645,"end":2478.725,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2452026009559631},{"word":"lowest","start":2478.725,"end":2479.125,"confidence":0.9980469,"punctuated_word":"lowest","sentiment":"neutral","sentiment_score":0.12618137896060944},{"word":"tax","start":2479.125,"end":2479.445,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.196208655834198},{"word":"bracket","start":2479.445,"end":2479.92,"confidence":0.82910156,"punctuated_word":"bracket,","sentiment":"neutral","sentiment_score":0.23005464673042297},{"word":"so","start":2479.92,"end":2480.16,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.139204204082489},{"word":"it's","start":2480.16,"end":2480.3198,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.20510882139205933},{"word":"not","start":2480.3198,"end":2480.5598,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1914694607257843},{"word":"a","start":2480.5598,"end":2480.7998,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16256840527057648},{"word":"huge","start":2480.7998,"end":2481.1199,"confidence":0.9902344,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":0.0928121730685234},{"word":"amount","start":2481.1199,"end":2481.6199,"confidence":0.99853516,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":0.1048632115125656},{"word":"you","start":2482.0,"end":2482.24,"confidence":0.5751953,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.13079053163528442},{"word":"don't","start":2482.24,"end":2482.5598,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.11462758481502532},{"word":"get","start":2482.5598,"end":2482.72,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.14826613664627075},{"word":"the","start":2482.72,"end":2482.88,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13725009560585022},{"word":"whole","start":2482.88,"end":2483.1199,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.11573028564453124},{"word":"1,000","start":2483.1199,"end":2483.76,"confidence":0.8241577,"punctuated_word":"1,000.","sentiment":"neutral","sentiment_score":0.0896819680929184},{"word":"but","start":2483.76,"end":2483.92,"confidence":0.47265625,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08195114135742188},{"word":"i","start":2483.92,"end":2484.0,"confidence":0.37231445,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07879935204982758},{"word":"say","start":2484.0,"end":2484.5,"confidence":0.69921875,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.13455644249916077},{"word":"you","start":2484.64,"end":2484.7998,"confidence":0.95410156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11114978790283205},{"word":"know","start":2484.7998,"end":2484.96,"confidence":0.9951172,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.12466398626565932},{"word":"it","start":2484.96,"end":2485.2,"confidence":0.9404297,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16422905027866364},{"word":"kind","start":2485.2,"end":2485.3599,"confidence":0.97265625,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.12326554954051971},{"word":"of","start":2485.3599,"end":2485.44,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1410486102104187},{"word":"goes","start":2485.44,"end":2485.76,"confidence":0.99902344,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.148409903049469},{"word":"on","start":2485.76,"end":2486.26,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19148732721805573},{"word":"the","start":2486.3198,"end":2486.5598,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13332608342170715},{"word":"amount","start":2486.5598,"end":2486.7998,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.10500901192426682},{"word":"of","start":2486.7998,"end":2486.96,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1063639149069786},{"word":"tax","start":2486.96,"end":2487.3599,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.12104403972625732},{"word":"paid","start":2487.3599,"end":2487.8599,"confidence":0.97436523,"punctuated_word":"paid.","sentiment":"neutral","sentiment_score":0.0632047951221466},{"word":"but","start":2489.44,"end":2489.76,"confidence":0.7949219,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.13304860889911652},{"word":"theoretically","start":2489.76,"end":2490.26,"confidence":0.9995117,"punctuated_word":"theoretically,","sentiment":"neutral","sentiment_score":0.2019822895526886},{"word":"keeping","start":2490.96,"end":2491.3599,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.25270429253578186},{"word":"that","start":2491.3599,"end":2491.5999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29517069458961487},{"word":"money","start":2491.5999,"end":2492.0798,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2458176016807556},{"word":"non","start":2492.0798,"end":2492.4,"confidence":0.82177734,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.27187401056289673},{"word":"concessional","start":2492.4,"end":2492.9,"confidence":0.74523926,"punctuated_word":"concessional","sentiment":"neutral","sentiment_score":0.2023845911026001},{"word":"in","start":2493.04,"end":2493.2,"confidence":0.91259766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.32000333070755005},{"word":"super","start":2493.2,"end":2493.5999,"confidence":0.8442383,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.3278104364871979},{"word":"and","start":2493.5999,"end":2493.76,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24892151355743408},{"word":"having","start":2493.76,"end":2494.0,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.3019131124019623},{"word":"it","start":2494.0,"end":2494.16,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3803071975708008},{"word":"all","start":2494.16,"end":2494.4,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.3162916302680969},{"word":"invested","start":2494.4,"end":2494.9,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.23516418039798737},{"word":"and","start":2495.115,"end":2495.355,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29168349504470825},{"word":"then","start":2495.355,"end":2495.515,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2969617247581482},{"word":"getting","start":2495.515,"end":2495.755,"confidence":0.9951172,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.36878839135169983},{"word":"that","start":2495.755,"end":2496.075,"confidence":0.9970703,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3992766141891479},{"word":"government","start":2496.075,"end":2496.395,"confidence":0.99902344,"punctuated_word":"government","sentiment":"positive","sentiment_score":0.34240996837615967},{"word":"co","start":2496.395,"end":2496.875,"confidence":0.80810547,"punctuated_word":"co","sentiment":"positive","sentiment_score":0.34007611870765686},{"word":"contribution","start":2496.875,"end":2497.375,"confidence":0.99902344,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.26216548681259155},{"word":"payment","start":2497.435,"end":2497.835,"confidence":1.0,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":0.30541732907295227},{"word":"up","start":2497.835,"end":2497.9949,"confidence":0.91015625,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.29723232984542847},{"word":"to","start":2497.9949,"end":2498.235,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32161638140678406},{"word":"$500","start":2498.235,"end":2499.375,"confidence":0.953125,"punctuated_word":"$500,","sentiment":"neutral","sentiment_score":0.3097040057182312},{"word":"that","start":2499.9949,"end":2500.395,"confidence":0.8105469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3920464515686035},{"word":"essentially","start":2500.395,"end":2500.895,"confidence":0.9790039,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.28693243861198425},{"word":"does","start":2500.955,"end":2501.195,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.30129194259643555},{"word":"mean","start":2501.195,"end":2501.435,"confidence":1.0,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.3048661947250366},{"word":"you'd","start":2501.435,"end":2501.595,"confidence":0.9909668,"punctuated_word":"you'd","sentiment":"positive","sentiment_score":0.399692177772522},{"word":"have","start":2501.595,"end":2501.915,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.38878458738327026},{"word":"more","start":2501.915,"end":2502.075,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.33162617683410645},{"word":"money","start":2502.075,"end":2502.315,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.4139452576637268},{"word":"in","start":2502.315,"end":2502.475,"confidence":0.8457031,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.49026066064834595},{"word":"your","start":2502.475,"end":2502.795,"confidence":0.99121094,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.42769020795822144},{"word":"super","start":2502.795,"end":2503.115,"confidence":0.99316406,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4211367964744568},{"word":"working","start":2503.115,"end":2503.515,"confidence":0.9707031,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.43609827756881714},{"word":"harder","start":2503.515,"end":2503.915,"confidence":0.9941406,"punctuated_word":"harder","sentiment":"positive","sentiment_score":0.3865542709827423},{"word":"for","start":2503.915,"end":2504.075,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3916456699371338},{"word":"you","start":2504.075,"end":2504.315,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3750124871730805},{"word":"at","start":2504.315,"end":2504.395,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.31542763113975525},{"word":"the","start":2504.395,"end":2504.475,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3596939444541931},{"word":"end","start":2504.475,"end":2504.635,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.32145118713378906},{"word":"of","start":2504.635,"end":2504.795,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4229479432106018},{"word":"the","start":2504.795,"end":2504.875,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4125129282474518},{"word":"day","start":2504.875,"end":2505.115,"confidence":1.0,"punctuated_word":"day","sentiment":"positive","sentiment_score":0.3885502219200134},{"word":"and","start":2505.115,"end":2505.615,"confidence":0.640625,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3647353649139404},{"word":"does","start":2505.675,"end":2505.9949,"confidence":0.9716797,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.31979015469551086},{"word":"tend","start":2505.9949,"end":2506.235,"confidence":0.74365234,"punctuated_word":"tend","sentiment":"positive","sentiment_score":0.4068650007247925},{"word":"does","start":2506.395,"end":2506.715,"confidence":0.99316406,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.3665066957473755},{"word":"sort","start":2506.715,"end":2506.875,"confidence":0.9980469,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2803564965724945},{"word":"of","start":2506.875,"end":2507.035,"confidence":0.8496094,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.35905998945236206},{"word":"show","start":2507.035,"end":2507.275,"confidence":0.9838867,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.24997004866600037},{"word":"from","start":2507.275,"end":2507.515,"confidence":0.7241211,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.3193289339542389},{"word":"what","start":2507.515,"end":2507.675,"confidence":0.9980469,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3385429084300995},{"word":"i'm","start":2507.675,"end":2507.835,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.31293556094169617},{"word":"looking","start":2507.835,"end":2508.155,"confidence":1.0,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.34434860944747925},{"word":"at","start":2508.155,"end":2508.395,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.38051119446754456},{"word":"to","start":2508.395,"end":2508.555,"confidence":0.99316406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3351892828941345},{"word":"be","start":2508.555,"end":2509.055,"confidence":0.9770508,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.36362582445144653},{"word":"of","start":2509.515,"end":2509.755,"confidence":0.76123047,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4639553129673004},{"word":"greater","start":2509.755,"end":2510.235,"confidence":0.9970703,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.2733360826969147},{"word":"benefit","start":2510.235,"end":2510.735,"confidence":1.0,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.495172381401062},{"word":"to","start":2510.79,"end":2511.03,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.40721768140792847},{"word":"you","start":2511.03,"end":2511.27,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.357117623090744},{"word":"rather","start":2511.27,"end":2511.67,"confidence":0.9863281,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":0.18525990843772888},{"word":"than","start":2511.67,"end":2511.9102,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.12829728424549103},{"word":"claiming","start":2511.9102,"end":2512.31,"confidence":0.99609375,"punctuated_word":"claiming","sentiment":"neutral","sentiment_score":0.049805283546447754},{"word":"that","start":2512.31,"end":2512.81,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17805959284305573},{"word":"amount","start":2512.95,"end":2513.35,"confidence":0.9370117,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.07916766405105591},{"word":"back","start":2513.35,"end":2513.75,"confidence":0.9729004,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.02031259983778},{"word":"does","start":2513.75,"end":2513.9102,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0866250991821289},{"word":"that","start":2513.9102,"end":2514.07,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16597223281860352},{"word":"make","start":2514.07,"end":2514.31,"confidence":0.98095703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10331840813159944},{"word":"sense","start":2514.31,"end":2514.81,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.1104247346520424},{"word":"yeah","start":2517.83,"end":2518.33,"confidence":0.7963867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2280149906873703},{"word":"that's","start":2518.95,"end":2519.43,"confidence":0.8535156,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3857769966125488},{"word":"absolutely","start":2519.43,"end":2519.93,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.4393453001976013},{"word":"fine","start":2520.1501,"end":2520.6501,"confidence":0.98950195,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.4389035999774933},{"word":"and","start":2521.67,"end":2521.9102,"confidence":0.7246094,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5053718090057373},{"word":"you're","start":2521.9102,"end":2522.1501,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5403218865394592},{"word":"happy","start":2522.1501,"end":2522.47,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5313361287117004},{"word":"to","start":2522.47,"end":2522.55,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5573130249977112},{"word":"continue","start":2522.55,"end":2523.03,"confidence":1.0,"punctuated_word":"continue","sentiment":"positive","sentiment_score":0.5883896350860596},{"word":"making","start":2523.03,"end":2523.27,"confidence":0.99902344,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.5729164481163025},{"word":"that","start":2523.27,"end":2523.51,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5855070352554321},{"word":"$20","start":2523.51,"end":2524.23,"confidence":0.99902344,"punctuated_word":"$20","sentiment":"positive","sentiment_score":0.5644506812095642},{"word":"every","start":2524.23,"end":2524.73,"confidence":0.99609375,"punctuated_word":"every","sentiment":"positive","sentiment_score":0.4812893569469452},{"word":"week","start":2524.79,"end":2525.11,"confidence":0.9863281,"punctuated_word":"week","sentiment":"positive","sentiment_score":0.45002681016922},{"word":"as","start":2525.11,"end":2525.19,"confidence":0.9604492,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4002512395381927},{"word":"well","start":2525.19,"end":2525.385,"confidence":0.91503906,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.3803767263889313},{"word":"up","start":2525.545,"end":2525.785,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2856878936290741},{"word":"until","start":2525.785,"end":2525.865,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.15361617505550385},{"word":"the","start":2525.865,"end":2526.105,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11189628392457962},{"word":"point","start":2526.105,"end":2526.425,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.05706179887056351},{"word":"you","start":2526.425,"end":2526.585,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1006435751914978},{"word":"stop","start":2526.585,"end":2526.825,"confidence":0.7363281,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":0.11149108409881592},{"word":"working","start":2526.825,"end":2527.325,"confidence":0.91625977,"punctuated_word":"working?","sentiment":"neutral","sentiment_score":0.24282988905906677},{"word":"yes","start":2530.585,"end":2531.085,"confidence":0.77612305,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2770257890224457},{"word":"beautiful","start":2531.145,"end":2531.645,"confidence":0.9975586,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5525962114334106},{"word":"yeah","start":2532.025,"end":2532.525,"confidence":0.95458984,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4200272858142853},{"word":"perfect","start":2533.225,"end":2533.725,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6467233300209045},{"word":"we'll","start":2534.345,"end":2534.585,"confidence":0.99853516,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.4705619812011719},{"word":"make","start":2534.585,"end":2534.745,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4399978518486023},{"word":"sure","start":2534.745,"end":2534.985,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.47480782866477966},{"word":"we","start":2534.985,"end":2535.465,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.530575156211853},{"word":"have","start":2535.465,"end":2535.705,"confidence":0.99316406,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.44152653217315674},{"word":"that","start":2535.705,"end":2535.865,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4356939196586609},{"word":"in","start":2535.865,"end":2536.025,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.32524532079696655},{"word":"the","start":2536.025,"end":2536.185,"confidence":0.984375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3387802839279175},{"word":"advice","start":2536.185,"end":2536.665,"confidence":0.9873047,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.38999995589256287},{"word":"for","start":2536.665,"end":2536.825,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3624333441257477},{"word":"you","start":2536.825,"end":2537.065,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.38306260108947754},{"word":"as","start":2537.065,"end":2537.145,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3364659547805786},{"word":"well","start":2537.145,"end":2537.465,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.3262227475643158},{"word":"and","start":2537.465,"end":2537.785,"confidence":0.91259766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3251897692680359},{"word":"factor","start":2537.785,"end":2538.105,"confidence":0.9448242,"punctuated_word":"factor","sentiment":"positive","sentiment_score":0.35465770959854126},{"word":"in","start":2538.105,"end":2538.265,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3918971717357635},{"word":"that","start":2538.265,"end":2538.5051,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.44794562458992},{"word":"government","start":2538.5051,"end":2538.905,"confidence":0.99902344,"punctuated_word":"government","sentiment":"positive","sentiment_score":0.4079236686229706},{"word":"co","start":2538.905,"end":2539.385,"confidence":0.66259766,"punctuated_word":"co","sentiment":"positive","sentiment_score":0.3776478469371796},{"word":"contribution","start":2539.385,"end":2539.885,"confidence":0.99902344,"punctuated_word":"contribution","sentiment":"positive","sentiment_score":0.3739033043384552},{"word":"for","start":2540.025,"end":2540.265,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3181799054145813},{"word":"you","start":2540.265,"end":2540.5051,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3751106858253479},{"word":"because","start":2540.5051,"end":2540.94,"confidence":0.52783203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.25384843349456787},{"word":"long","start":2541.18,"end":2541.42,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.29133787751197815},{"word":"term","start":2541.42,"end":2541.74,"confidence":0.970459,"punctuated_word":"term,","sentiment":"positive","sentiment_score":0.35658299922943115},{"word":"that","start":2541.74,"end":2541.98,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3989432454109192},{"word":"does","start":2541.98,"end":2542.14,"confidence":0.9970703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.19520203769207},{"word":"mean","start":2542.14,"end":2542.38,"confidence":0.99902344,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.22497430443763733},{"word":"it's","start":2542.38,"end":2542.54,"confidence":0.78808594,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2992779612541199},{"word":"a","start":2542.54,"end":2542.6199,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3152860999107361},{"word":"bit","start":2542.6199,"end":2542.78,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3111065626144409},{"word":"more","start":2542.78,"end":2542.94,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.24229884147644043},{"word":"money","start":2542.94,"end":2543.26,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.3803960978984833},{"word":"in","start":2543.26,"end":2543.42,"confidence":0.4152832,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3771255612373352},{"word":"your","start":2543.42,"end":2543.66,"confidence":0.96533203,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34623849391937256},{"word":"super","start":2543.66,"end":2544.06,"confidence":0.3244629,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.38397347927093506},{"word":"working","start":2544.06,"end":2544.3,"confidence":0.96875,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.36933714151382446},{"word":"harder","start":2544.3,"end":2544.6199,"confidence":0.97509766,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.3018304705619812},{"word":"for","start":2544.6199,"end":2544.78,"confidence":0.98291016,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3082491159439087},{"word":"you","start":2544.78,"end":2545.02,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35374581813812256},{"word":"at","start":2545.02,"end":2545.0999,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2727791666984558},{"word":"the","start":2545.0999,"end":2545.18,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3122345805168152},{"word":"end","start":2545.18,"end":2545.3398,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.2598767578601837},{"word":"of","start":2545.3398,"end":2545.42,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3241792917251587},{"word":"the","start":2545.42,"end":2545.5,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32928213477134705},{"word":"day","start":2545.5,"end":2545.8198,"confidence":0.9880371,"punctuated_word":"day,","sentiment":"positive","sentiment_score":0.3379582166671753},{"word":"which","start":2545.8198,"end":2546.06,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.31131041049957275},{"word":"is","start":2546.06,"end":2546.22,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2844524383544922},{"word":"important","start":2546.22,"end":2546.72,"confidence":1.0,"punctuated_word":"important.","sentiment":"neutral","sentiment_score":0.19733008742332456},{"word":"yeah","start":2548.46,"end":2548.94,"confidence":0.9914551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06966786086559296},{"word":"no","start":2548.94,"end":2549.0999,"confidence":0.9577637,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.053643159568309784},{"word":"that's","start":2549.0999,"end":2549.42,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14239704608917236},{"word":"absolutely","start":2549.42,"end":2549.92,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.15688495337963104},{"word":"fine","start":2550.14,"end":2550.64,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.0749615803360939},{"word":"did","start":2550.94,"end":2551.18,"confidence":0.55126953,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.06885199248790741},{"word":"you","start":2551.18,"end":2551.3398,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09024937450885771},{"word":"have","start":2551.3398,"end":2551.5798,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07075697183609009},{"word":"more","start":2551.5798,"end":2551.8198,"confidence":0.9970703,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.03463711217045784},{"word":"questions","start":2551.8198,"end":2552.3,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.04282457381486893},{"word":"or","start":2552.3,"end":2552.8,"confidence":0.86279297,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.031817395240068436},{"word":"want","start":2552.94,"end":2553.0999,"confidence":0.6953125,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.007110089063644409},{"word":"me","start":2553.0999,"end":2553.3398,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04125218093395233},{"word":"to","start":2553.3398,"end":2553.42,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04426827281713486},{"word":"break","start":2553.42,"end":2553.74,"confidence":1.0,"punctuated_word":"break","sentiment":"neutral","sentiment_score":0.07103419303894043},{"word":"any","start":2553.74,"end":2553.98,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.10366073995828629},{"word":"of","start":2553.98,"end":2554.14,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07004766911268234},{"word":"that","start":2554.14,"end":2554.38,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.062225401401519775},{"word":"down","start":2554.38,"end":2554.6199,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0549059696495533},{"word":"a","start":2554.6199,"end":2554.78,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01958252117037773},{"word":"bit","start":2554.78,"end":2554.94,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.008740261197090149},{"word":"more","start":2554.94,"end":2555.18,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.018333882093429565},{"word":"for","start":2555.18,"end":2555.3398,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01967017352581024},{"word":"you","start":2555.3398,"end":2555.5798,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005594804883003235},{"word":"at","start":2555.5798,"end":2555.74,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.013959236443042757},{"word":"all","start":2555.74,"end":2556.24,"confidence":0.9980469,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.007837135344743729},{"word":"yeah","start":2562.315,"end":2562.635,"confidence":0.98706055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.021660901606082916},{"word":"absolutely","start":2562.635,"end":2563.135,"confidence":1.0,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.03485753387212753},{"word":"yeah","start":2579.53,"end":2580.03,"confidence":0.7927246,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.005432208068668842},{"word":"just","start":2587.785,"end":2588.025,"confidence":0.62353516,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.01074955053627491},{"word":"having","start":2588.025,"end":2588.345,"confidence":0.9941406,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.013740861788392069},{"word":"a","start":2588.345,"end":2588.505,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.027302369475364685},{"word":"look","start":2588.505,"end":2588.9849,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.026373906061053276},{"word":"for","start":2588.9849,"end":2589.2249,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.035448700189590454},{"word":"you","start":2589.2249,"end":2589.7249,"confidence":0.99658203,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.01101012248545885},{"word":"that's","start":2590.105,"end":2590.505,"confidence":0.9628906,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.028383668512105945},{"word":"okay","start":2590.505,"end":2591.005,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.025814097374677655},{"word":"is","start":2591.065,"end":2591.2249,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0011044424027204514},{"word":"that","start":2591.2249,"end":2591.465,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0006720144301652908},{"word":"the","start":2591.465,"end":2591.625,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.017492538318037987},{"word":"documents","start":2591.625,"end":2592.025,"confidence":0.88427734,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":-0.028066067025065426},{"word":"that","start":2592.025,"end":2592.185,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.006418334320187569},{"word":"you","start":2592.185,"end":2592.345,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0056366343051195145},{"word":"received","start":2592.345,"end":2592.825,"confidence":0.98095703,"punctuated_word":"received","sentiment":"neutral","sentiment_score":-0.0354272685945034},{"word":"today","start":2592.825,"end":2593.325,"confidence":0.9995117,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":-0.013782501220703123},{"word":"oh","start":2595.21,"end":2595.71,"confidence":0.9785156,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.12004750221967696},{"word":"it","start":2595.77,"end":2595.93,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11928762495517732},{"word":"might","start":2595.93,"end":2596.17,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.15076197683811188},{"word":"have","start":2596.17,"end":2596.33,"confidence":0.84765625,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.13642597198486328},{"word":"had","start":2596.33,"end":2596.57,"confidence":0.97998047,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.1421423852443695},{"word":"the","start":2596.57,"end":2596.73,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1493098884820938},{"word":"wrong","start":2596.73,"end":2597.05,"confidence":1.0,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.18609756231307983},{"word":"document","start":2597.05,"end":2597.53,"confidence":0.99609375,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.17611148953437805},{"word":"attached","start":2597.53,"end":2598.01,"confidence":0.9941406,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":-0.19829481840133667},{"word":"there","start":2598.01,"end":2598.51,"confidence":0.9926758,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.1723078489303589},{"word":"let","start":2600.25,"end":2600.49,"confidence":0.9941406,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.1498471051454544},{"word":"me","start":2600.49,"end":2600.6501,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.147607684135437},{"word":"just","start":2600.6501,"end":2600.8901,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15923185646533966},{"word":"double","start":2600.8901,"end":2601.21,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.15173456072807312},{"word":"check","start":2601.21,"end":2601.71,"confidence":1.0,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":-0.12786835432052612},{"word":"no","start":2604.8901,"end":2605.21,"confidence":0.9975586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16261017322540283},{"word":"that's","start":2605.21,"end":2605.53,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.13665631413459778},{"word":"okay","start":2605.53,"end":2606.03,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.1181236058473587},{"word":"it","start":2607.4648,"end":2607.7048,"confidence":0.9892578,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.1430947333574295},{"word":"might","start":2607.7048,"end":2607.9448,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.13497218489646912},{"word":"have","start":2607.9448,"end":2608.1848,"confidence":0.87060547,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11447716504335403},{"word":"attached","start":2608.1848,"end":2608.6848,"confidence":0.99316406,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":-0.14805567264556885},{"word":"that","start":2608.9048,"end":2609.2249,"confidence":0.86328125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1349479854106903},{"word":"document","start":2609.2249,"end":2609.7249,"confidence":0.9638672,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":-0.13607609272003174},{"word":"and","start":2609.9448,"end":2610.105,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14134594798088074},{"word":"we","start":2610.105,"end":2610.265,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.18233412504196167},{"word":"didn't","start":2610.265,"end":2610.505,"confidence":0.99902344,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.1428736299276352},{"word":"actually","start":2610.505,"end":2610.825,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.1564522534608841},{"word":"want","start":2610.825,"end":2611.065,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.17318560183048248},{"word":"it","start":2611.065,"end":2611.1448,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.18059483170509336},{"word":"to","start":2611.1448,"end":2611.305,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.25050485134124756},{"word":"be","start":2611.305,"end":2611.545,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1845507770776749},{"word":"there","start":2611.545,"end":2611.865,"confidence":0.98706055,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.16073480248451233},{"word":"so","start":2611.865,"end":2612.365,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.041646212339401245},{"word":"what","start":2612.9849,"end":2613.2249,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.038664307445287704},{"word":"i'll","start":2613.2249,"end":2613.545,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.01432853750884533},{"word":"do","start":2613.545,"end":2614.045,"confidence":0.90356445,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":-0.005133071914315224},{"word":"i'll","start":2615.785,"end":2616.025,"confidence":0.95751953,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.01765909232199192},{"word":"just","start":2616.025,"end":2616.345,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0018033385276794431},{"word":"have","start":2616.345,"end":2616.505,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.005226761102676392},{"word":"a","start":2616.505,"end":2616.6648,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0010062381625175476},{"word":"look","start":2616.6648,"end":2616.9849,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.019126951694488525},{"word":"at","start":2616.9849,"end":2617.305,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.042967792600393295},{"word":"what","start":2617.305,"end":2617.625,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.02970699593424797},{"word":"it","start":2617.625,"end":2617.9448,"confidence":0.9741211,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04185716435313225},{"word":"what","start":2618.105,"end":2618.4248,"confidence":0.9921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07357816398143768},{"word":"came","start":2618.4248,"end":2618.825,"confidence":0.72558594,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.07884302735328674},{"word":"through","start":2618.825,"end":2619.325,"confidence":0.98339844,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.03909371793270111},{"word":"oh","start":2619.66,"end":2620.16,"confidence":0.83984375,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.016743484884500504},{"word":"is","start":2623.5798,"end":2623.74,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01730995811522007},{"word":"it","start":2623.74,"end":2623.98,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02008950710296631},{"word":"maybe","start":2623.98,"end":2624.22,"confidence":0.9243164,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.030059916898608208},{"word":"just","start":2624.22,"end":2624.5398,"confidence":0.9472656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.024734610691666603},{"word":"bringing","start":2624.5398,"end":2624.8599,"confidence":0.984375,"punctuated_word":"bringing","sentiment":"neutral","sentiment_score":-0.02045735903084278},{"word":"up","start":2624.8599,"end":2625.02,"confidence":0.99121094,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.01207919418811798},{"word":"the","start":2625.02,"end":2625.18,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.017027419060468674},{"word":"last","start":2625.18,"end":2625.5,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.030807634815573692},{"word":"document","start":2625.5,"end":2625.98,"confidence":0.9013672,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.026234004646539688},{"word":"that","start":2625.98,"end":2626.14,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01544768363237381},{"word":"you","start":2626.14,"end":2626.46,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.023213479667901993},{"word":"signed","start":2626.46,"end":2626.96,"confidence":0.9243164,"punctuated_word":"signed?","sentiment":"neutral","sentiment_score":-0.022969424724578857},{"word":"because","start":2631.02,"end":2631.3398,"confidence":0.9482422,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.028570039197802544},{"word":"i","start":2631.3398,"end":2631.42,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07494007796049118},{"word":"can","start":2631.42,"end":2631.66,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08408333361148834},{"word":"see","start":2631.66,"end":2631.9,"confidence":0.91748047,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10413643717765808},{"word":"for","start":2631.9,"end":2632.0598,"confidence":0.93847656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11486060172319412},{"word":"yours","start":2632.0598,"end":2632.2998,"confidence":0.99609375,"punctuated_word":"yours,","sentiment":"neutral","sentiment_score":0.164343923330307},{"word":"robin","start":2632.2998,"end":2632.78,"confidence":0.9760742,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.141343355178833},{"word":"is","start":2632.78,"end":2633.02,"confidence":0.9658203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0852988064289093},{"word":"the","start":2633.02,"end":2633.26,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11794298887252808},{"word":"ongoing","start":2633.26,"end":2633.76,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.136699378490448},{"word":"fee","start":2634.0598,"end":2634.22,"confidence":0.9707031,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.1206023097038269},{"word":"can","start":2634.22,"end":2634.555,"confidence":0.5800781,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09539478272199632},{"word":"sent","start":2634.635,"end":2635.115,"confidence":0.5546875,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.07396548241376877},{"word":"arrangement","start":2635.115,"end":2635.615,"confidence":0.9794922,"punctuated_word":"arrangement.","sentiment":"neutral","sentiment_score":0.1142650917172432},{"word":"that's","start":2635.915,"end":2636.2349,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14531871676445007},{"word":"the","start":2636.2349,"end":2636.315,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.119224913418293},{"word":"one","start":2636.315,"end":2636.4749,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13014443218708038},{"word":"that","start":2636.4749,"end":2636.635,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16329734027385712},{"word":"we","start":2636.635,"end":2636.875,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1347474604845047},{"word":"sent","start":2636.875,"end":2637.1948,"confidence":0.9970703,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.09070971608161926},{"word":"through","start":2637.1948,"end":2637.515,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09627488255500792},{"word":"just","start":2637.515,"end":2638.015,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10461479425430298},{"word":"then","start":2638.2349,"end":2638.7349,"confidence":0.9592285,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.09135504066944122},{"word":"and","start":2642.155,"end":2642.395,"confidence":0.9604492,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0650995597243309},{"word":"then","start":2642.395,"end":2642.895,"confidence":0.9951172,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05218881741166115},{"word":"yeah","start":2646.075,"end":2646.575,"confidence":0.9970703,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05722479894757271},{"word":"yeah","start":2646.875,"end":2647.375,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06047259643673897},{"word":"and","start":2656.97,"end":2657.21,"confidence":0.97802734,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0013385135680437088},{"word":"that","start":2657.21,"end":2657.3699,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.015570519492030144},{"word":"was","start":2657.3699,"end":2657.69,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.016780367121100426},{"word":"the","start":2657.69,"end":2657.85,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008618168532848358},{"word":"one","start":2657.85,"end":2658.17,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.009948156774044037},{"word":"that","start":2658.17,"end":2658.33,"confidence":0.94921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.012729046866297722},{"word":"was","start":2658.33,"end":2658.65,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.019001608714461327},{"word":"from","start":2658.65,"end":2658.81,"confidence":0.9863281,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.01414850540459156},{"word":"a","start":2658.81,"end":2658.97,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0008690226823091507},{"word":"while","start":2658.97,"end":2659.29,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.009892873466014862},{"word":"ago","start":2659.29,"end":2659.61,"confidence":0.9875488,"punctuated_word":"ago.","sentiment":"neutral","sentiment_score":-0.003566262312233448},{"word":"that","start":2659.61,"end":2659.77,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.011259973049163818},{"word":"was","start":2659.77,"end":2659.93,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.013417772948741913},{"word":"the","start":2659.93,"end":2660.09,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004075424745678902},{"word":"one","start":2660.09,"end":2660.25,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.005730230361223221},{"word":"in","start":2660.25,"end":2660.57,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.010791387408971786},{"word":"february","start":2660.57,"end":2661.07,"confidence":0.8076172,"punctuated_word":"February,","sentiment":"neutral","sentiment_score":-0.002642753534018994},{"word":"wasn't","start":2661.21,"end":2661.53,"confidence":1.0,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":0.013778161257505415},{"word":"it","start":2661.53,"end":2662.03,"confidence":0.9909668,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.00012140348553657532},{"word":"yeah","start":2672.275,"end":2672.4348,"confidence":0.79907227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.005989124998450279},{"word":"yes","start":2672.4348,"end":2672.9348,"confidence":0.7171631,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.023896049708127975},{"word":"yep","start":2672.9949,"end":2673.4949,"confidence":0.9597168,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.021514948457479477},{"word":"right","start":2676.1301,"end":2676.6301,"confidence":0.9980469,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.022813932970166206},{"word":"no","start":2678.37,"end":2678.61,"confidence":0.7174072,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.18280108273029327},{"word":"that's","start":2678.61,"end":2678.93,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.059640876948833466},{"word":"okay","start":2678.93,"end":2679.4102,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.030519098043441772},{"word":"so","start":2679.4102,"end":2679.6501,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07733937352895737},{"word":"i","start":2679.6501,"end":2679.81,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17043405771255493},{"word":"can","start":2679.81,"end":2680.1301,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1924426108598709},{"word":"see","start":2680.1301,"end":2680.6301,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.17291218042373657},{"word":"the","start":2681.25,"end":2681.49,"confidence":0.93603516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13738752901554108},{"word":"fee","start":2681.49,"end":2681.81,"confidence":0.6123047,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.10535626858472824},{"word":"consent","start":2681.81,"end":2682.29,"confidence":0.98291016,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":0.10393952578306198},{"word":"form","start":2682.29,"end":2682.69,"confidence":0.99902344,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.1274862289428711},{"word":"here","start":2682.69,"end":2683.01,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.11479061841964722},{"word":"is","start":2683.01,"end":2683.25,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11557947844266891},{"word":"for","start":2683.25,"end":2683.49,"confidence":0.94140625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08162029832601547},{"word":"yourself","start":2683.49,"end":2683.99,"confidence":0.9345703,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":0.08972246944904327},{"word":"we","start":2685.25,"end":2685.49,"confidence":0.5761719,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.10917681455612184},{"word":"sent","start":2685.49,"end":2685.81,"confidence":0.9760742,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.08175462484359741},{"word":"through","start":2685.81,"end":2686.065,"confidence":0.5341797,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08017200231552124},{"word":"two","start":2686.145,"end":2686.305,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0728585347533226},{"word":"of","start":2686.305,"end":2686.4648,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08791762590408325},{"word":"them","start":2686.4648,"end":2686.785,"confidence":0.8703613,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.05756429210305214},{"word":"there","start":2686.785,"end":2686.9448,"confidence":0.76953125,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.12229010462760924},{"word":"should","start":2686.9448,"end":2687.185,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.1161726415157318},{"word":"be","start":2687.185,"end":2687.345,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07818293571472168},{"word":"one","start":2687.345,"end":2687.585,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06582944840192795},{"word":"for","start":2687.585,"end":2687.905,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07632234692573547},{"word":"frank","start":2687.905,"end":2688.385,"confidence":0.9970703,"punctuated_word":"Frank","sentiment":"neutral","sentiment_score":0.051642097532749176},{"word":"as","start":2688.385,"end":2688.625,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0965743213891983},{"word":"well","start":2688.625,"end":2689.125,"confidence":0.9226074,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.04638271406292915},{"word":"but","start":2689.265,"end":2689.505,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.02843727543950081},{"word":"i","start":2689.505,"end":2689.585,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11852917075157166},{"word":"can","start":2689.585,"end":2689.825,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.10618432611227036},{"word":"only","start":2689.825,"end":2690.145,"confidence":0.9980469,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.11336416006088255},{"word":"see","start":2690.145,"end":2690.4648,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.08103782683610916},{"word":"one","start":2690.4648,"end":2690.865,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.061986736953258514},{"word":"coming","start":2690.865,"end":2691.265,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.06295092403888702},{"word":"up","start":2691.265,"end":2691.765,"confidence":0.9916992,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.0855528712272644},{"word":"so","start":2692.4648,"end":2692.9648,"confidence":0.9614258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.009921081364154816},{"word":"what","start":2694.785,"end":2695.025,"confidence":0.9921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.020208314061164856},{"word":"i'll","start":2695.025,"end":2695.345,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.044559381902217865},{"word":"do","start":2695.345,"end":2695.845,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07332397997379303},{"word":"is","start":2695.905,"end":2696.2249,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05059872567653656},{"word":"i'll","start":2696.2249,"end":2696.4648,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.038044050335884094},{"word":"just","start":2696.4648,"end":2696.865,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03440012037754059},{"word":"go","start":2696.865,"end":2697.265,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.020584531128406525},{"word":"back","start":2697.265,"end":2697.665,"confidence":0.86865234,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.019293472170829773},{"word":"and","start":2697.665,"end":2697.905,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.036040522158145905},{"word":"i'll","start":2697.905,"end":2698.145,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0344250425696373},{"word":"make","start":2698.145,"end":2698.385,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.012332171201705933},{"word":"sure","start":2698.385,"end":2698.625,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.03161223977804184},{"word":"i","start":2698.625,"end":2698.7048,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04066494107246399},{"word":"can","start":2698.7048,"end":2698.9448,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04395820200443268},{"word":"see","start":2698.9448,"end":2699.4448,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.038013018667697906},{"word":"both","start":2699.505,"end":2699.7449,"confidence":0.9970703,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.006807461380958557},{"word":"of","start":2699.7449,"end":2699.9849,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04103311896324158},{"word":"them","start":2699.9849,"end":2700.2249,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.019424058496952057},{"word":"coming","start":2700.2249,"end":2700.7249,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.0056013986468315125},{"word":"through","start":2700.785,"end":2701.285,"confidence":0.9995117,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.005967434495687485},{"word":"not","start":2702.6602,"end":2702.9802,"confidence":0.8959961,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.2588121294975281},{"word":"sure","start":2702.9802,"end":2703.3,"confidence":0.9980469,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.2247965931892395},{"word":"why","start":2703.3,"end":2703.78,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.3008034825325012},{"word":"it's","start":2703.78,"end":2703.9402,"confidence":0.9921875,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1891261339187622},{"word":"not","start":2703.9402,"end":2704.1802,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.21754638850688937},{"word":"both","start":2704.1802,"end":2704.4202,"confidence":0.9902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.31204697489738464},{"word":"coming","start":2704.4202,"end":2704.82,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.1423843502998352},{"word":"through","start":2704.82,"end":2705.32,"confidence":1.0,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.1293344348669052},{"word":"i","start":2710.26,"end":2710.4202,"confidence":0.40185547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10797566175460815},{"word":"i","start":2710.4202,"end":2710.5,"confidence":0.9301758,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1075645163655281},{"word":"sort","start":2710.5,"end":2710.82,"confidence":0.9428711,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.05262017995119095},{"word":"of","start":2710.82,"end":2710.9001,"confidence":0.49902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1581815928220749},{"word":"do","start":2710.9001,"end":2711.06,"confidence":0.90283203,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13541081547737122},{"word":"miss","start":2711.06,"end":2711.3,"confidence":0.94189453,"punctuated_word":"miss","sentiment":"neutral","sentiment_score":0.10973794013261796},{"word":"docusign","start":2711.3,"end":2711.8,"confidence":0.9973958,"punctuated_word":"DocuSign","sentiment":"neutral","sentiment_score":0.07096482813358307},{"word":"a","start":2711.9402,"end":2712.02,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08267657458782196},{"word":"little","start":2712.02,"end":2712.26,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.016637802124023438},{"word":"bit","start":2712.26,"end":2712.5,"confidence":1.0,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.06705404072999954},{"word":"this","start":2712.5,"end":2712.7402,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.2007354199886322},{"word":"is","start":2712.7402,"end":2712.9001,"confidence":0.99609375,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.38314640522003174},{"word":"fun","start":2712.9001,"end":2713.2202,"confidence":0.9782715,"punctuated_word":"fun,","sentiment":"positive","sentiment_score":0.3606545627117157},{"word":"this","start":2713.2202,"end":2713.54,"confidence":0.6064453,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2718592882156372},{"word":"system","start":2713.54,"end":2713.86,"confidence":0.8918457,"punctuated_word":"system,","sentiment":"neutral","sentiment_score":0.15042755007743835},{"word":"but","start":2713.86,"end":2714.02,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07168769836425781},{"word":"it's","start":2714.02,"end":2714.1802,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06986991316080093},{"word":"just","start":2714.1802,"end":2714.5,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1362190693616867},{"word":"not","start":2714.5,"end":2714.7402,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1709509789943695},{"word":"not","start":2714.7402,"end":2714.9802,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1513887643814087},{"word":"the","start":2714.9802,"end":2715.1401,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09820646047592164},{"word":"same","start":2715.1401,"end":2715.6401,"confidence":0.9980469,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.04433923214673996},{"word":"i","start":2715.7852,"end":2716.0251,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16792595386505127},{"word":"do","start":2716.0251,"end":2716.105,"confidence":0.7890625,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23471438884735107},{"word":"miss","start":2716.105,"end":2716.345,"confidence":0.9350586,"punctuated_word":"miss","sentiment":"neutral","sentiment_score":0.17759311199188232},{"word":"docusign","start":2716.345,"end":2716.845,"confidence":0.9983724,"punctuated_word":"DocuSign","sentiment":"neutral","sentiment_score":0.2124808728694916},{"word":"a","start":2716.905,"end":2716.985,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1706041395664215},{"word":"little","start":2716.985,"end":2717.225,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07473237812519073},{"word":"bit","start":2717.225,"end":2717.385,"confidence":0.99902344,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.15017443895339966},{"word":"it","start":2717.385,"end":2717.465,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2644442319869995},{"word":"was","start":2717.465,"end":2717.705,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.4125748872756958},{"word":"easier","start":2717.705,"end":2718.185,"confidence":0.87280273,"punctuated_word":"easier.","sentiment":"neutral","sentiment_score":0.2124752700328827},{"word":"not","start":2718.185,"end":2718.425,"confidence":0.7607422,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.04465542733669281},{"word":"gonna","start":2718.425,"end":2718.905,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.048713427037000656},{"word":"lie","start":2718.905,"end":2719.405,"confidence":0.99609375,"punctuated_word":"lie.","sentiment":"neutral","sentiment_score":0.013823535293340685},{"word":"oh","start":2721.0652,"end":2721.225,"confidence":0.66308594,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.381836473941803},{"word":"good","start":2721.225,"end":2721.385,"confidence":0.97265625,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.42265504598617554},{"word":"what","start":2721.385,"end":2721.625,"confidence":0.9970703,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.26208049058914185},{"word":"i","start":2721.625,"end":2721.705,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1907680630683899},{"word":"might","start":2721.705,"end":2721.865,"confidence":0.9921875,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.2200818657875061},{"word":"do","start":2721.865,"end":2722.0251,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22804950177669525},{"word":"is","start":2722.0251,"end":2722.185,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21002185344696045},{"word":"i'll","start":2722.185,"end":2722.345,"confidence":0.9951172,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1906100958585739},{"word":"just","start":2722.345,"end":2722.585,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21523690223693848},{"word":"go","start":2722.585,"end":2722.745,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1983198523521423},{"word":"back","start":2722.745,"end":2722.985,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.18129543960094452},{"word":"and","start":2722.985,"end":2723.145,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16577541828155518},{"word":"make","start":2723.145,"end":2723.385,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13286647200584412},{"word":"sure","start":2723.385,"end":2723.705,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.14326190948486328},{"word":"that","start":2723.705,"end":2724.105,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18980693817138672},{"word":"both","start":2724.105,"end":2724.2651,"confidence":0.9980469,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.172425776720047},{"word":"of","start":2724.2651,"end":2724.425,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21571046113967896},{"word":"those","start":2724.425,"end":2724.665,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.22273297607898712},{"word":"fee","start":2724.665,"end":2724.905,"confidence":0.24145508,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.16739559173583984},{"word":"consent","start":2724.905,"end":2725.3052,"confidence":0.9941406,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":0.17856404185295105},{"word":"forms","start":2725.3052,"end":2725.625,"confidence":0.99609375,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.1527934372425079},{"word":"have","start":2725.625,"end":2725.865,"confidence":0.99121094,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18207581341266632},{"word":"come","start":2725.865,"end":2726.0251,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.2065518349409103},{"word":"through","start":2726.0251,"end":2726.5051,"confidence":0.99853516,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.18469077348709104},{"word":"i","start":2726.5051,"end":2726.665,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17938168346881866},{"word":"might","start":2726.665,"end":2726.905,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.09110283106565475},{"word":"have","start":2726.905,"end":2727.145,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09062273800373076},{"word":"to","start":2727.145,"end":2727.465,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11746137589216232},{"word":"resend","start":2727.465,"end":2727.965,"confidence":0.9995117,"punctuated_word":"resend","sentiment":"neutral","sentiment_score":0.05003514885902405},{"word":"them","start":2728.0251,"end":2728.2651,"confidence":0.9873047,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.14159557223320007},{"word":"for","start":2728.2651,"end":2728.5051,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13704606890678406},{"word":"you","start":2728.5051,"end":2729.0051,"confidence":0.8913574,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.13136376440525055},{"word":"but","start":2729.34,"end":2729.46,"confidence":0.9873047,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.10236653685569765},{"word":"i'll","start":2729.46,"end":2729.58,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1468635052442551},{"word":"just","start":2729.58,"end":2729.9001,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16206738352775574},{"word":"make","start":2729.9001,"end":2730.06,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09696245938539504},{"word":"sure","start":2730.06,"end":2730.2202,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.12350490689277648},{"word":"the","start":2730.2202,"end":2730.4602,"confidence":0.9482422,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14016243815422058},{"word":"system","start":2730.4602,"end":2730.78,"confidence":1.0,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.11231374740600586},{"word":"is","start":2730.78,"end":2730.9402,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1719241738319397},{"word":"sending","start":2730.9402,"end":2731.26,"confidence":0.9980469,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":0.0703183263540268},{"word":"those","start":2731.26,"end":2731.5,"confidence":0.9873047,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.17389051616191864},{"word":"correctly","start":2731.5,"end":2731.98,"confidence":0.9819336,"punctuated_word":"correctly","sentiment":"neutral","sentiment_score":0.15821339190006256},{"word":"because","start":2731.98,"end":2732.2202,"confidence":0.68652344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13025730848312378},{"word":"it","start":2732.2202,"end":2732.3801,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1471947729587555},{"word":"should","start":2732.3801,"end":2732.54,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.168331578373909},{"word":"be","start":2732.54,"end":2732.78,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12953510880470276},{"word":"1¢","start":2732.78,"end":2733.34,"confidence":0.86572266,"punctuated_word":"1¢"},{"word":"to","start":2733.34,"end":2733.58,"confidence":0.96435547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16881179809570312},{"word":"each","start":2733.58,"end":2733.74,"confidence":0.97802734,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.17368680238723755},{"word":"of","start":2733.74,"end":2733.9001,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2245623618364334},{"word":"you","start":2733.9001,"end":2734.1401,"confidence":0.9926758,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15239623188972473},{"word":"so","start":2734.1401,"end":2734.3,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13621267676353457},{"word":"if","start":2734.3,"end":2734.4602,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07831963151693344},{"word":"you","start":2734.4602,"end":2734.62,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0924302488565445},{"word":"don't","start":2734.62,"end":2734.86,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.038840681314468384},{"word":"see","start":2734.86,"end":2735.02,"confidence":0.99316406,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0027217939496040344},{"word":"them","start":2735.02,"end":2735.1802,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.02164948731660843},{"word":"by","start":2735.1802,"end":2735.4202,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.055031679570674896},{"word":"the","start":2735.4202,"end":2735.5,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04138599336147308},{"word":"end","start":2735.5,"end":2735.74,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.05426760017871857},{"word":"of","start":2735.74,"end":2735.9001,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06885480880737305},{"word":"the","start":2735.9001,"end":2735.98,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1146562397480011},{"word":"day","start":2735.98,"end":2736.48,"confidence":0.9995117,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.10224364697933196},{"word":"can","start":2736.62,"end":2736.86,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07063755393028259},{"word":"you","start":2736.86,"end":2737.02,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0786302462220192},{"word":"just","start":2737.02,"end":2737.26,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05653560906648636},{"word":"let","start":2737.26,"end":2737.5,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.03642404824495315},{"word":"me","start":2737.5,"end":2737.58,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.096095010638237},{"word":"know","start":2737.58,"end":2737.82,"confidence":0.923584,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.061459269374608994},{"word":"is","start":2737.82,"end":2737.98,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.09586293995380402},{"word":"that","start":2737.98,"end":2738.2202,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12062912434339523},{"word":"okay","start":2738.2202,"end":2738.7202,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.06921730190515518},{"word":"yeah","start":2740.62,"end":2741.115,"confidence":0.7060547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12734612822532654},{"word":"yep","start":2744.235,"end":2744.735,"confidence":0.9379883,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1684326529502869},{"word":"yep","start":2746.235,"end":2746.735,"confidence":0.8039551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02375706285238266},{"word":"no","start":2749.275,"end":2749.595,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.48329979181289673},{"word":"no","start":2749.595,"end":2749.915,"confidence":0.9951172,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.4804808497428894},{"word":"that's","start":2749.915,"end":2750.235,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.2165418118238449},{"word":"fine","start":2750.235,"end":2750.475,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":-0.10549452155828476},{"word":"it","start":2750.475,"end":2750.635,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1241995245218277},{"word":"should","start":2750.635,"end":2750.875,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.2249421775341034},{"word":"be","start":2750.875,"end":2750.955,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1735392063856125},{"word":"if","start":2751.035,"end":2751.195,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2017318606376648},{"word":"it's","start":2751.195,"end":2751.355,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.16547414660453796},{"word":"one","start":2751.355,"end":2751.515,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.12805040180683136},{"word":"of","start":2751.515,"end":2751.675,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06991393864154816},{"word":"the","start":2751.675,"end":2751.835,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09015688300132751},{"word":"attachments","start":2751.835,"end":2752.335,"confidence":0.9975586,"punctuated_word":"attachments,","sentiment":"neutral","sentiment_score":0.08434953540563583},{"word":"it","start":2752.555,"end":2752.715,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14357347786426544},{"word":"might","start":2752.715,"end":2752.955,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.0742606669664383},{"word":"have","start":2752.955,"end":2753.115,"confidence":0.87158203,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04906399175524712},{"word":"just","start":2753.115,"end":2753.43,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07798755913972855},{"word":"attached","start":2753.51,"end":2753.8298,"confidence":0.9370117,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.05188320577144623},{"word":"that","start":2753.8298,"end":2754.0698,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1270015835762024},{"word":"document","start":2754.0698,"end":2754.55,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.030509013682603836},{"word":"because","start":2754.55,"end":2754.8699,"confidence":0.9375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0872521698474884},{"word":"it","start":2754.8699,"end":2754.95,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15186254680156708},{"word":"was","start":2754.95,"end":2755.1099,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.10048893094062804},{"word":"one","start":2755.1099,"end":2755.27,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1223723515868187},{"word":"that","start":2755.27,"end":2755.51,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11976440250873566},{"word":"was","start":2755.51,"end":2755.67,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.06357717514038086},{"word":"in","start":2755.67,"end":2755.8298,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0655609741806984},{"word":"the","start":2755.8298,"end":2755.99,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10729138553142548},{"word":"file","start":2755.99,"end":2756.3098,"confidence":1.0,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.029602570459246635},{"word":"when","start":2756.3098,"end":2756.55,"confidence":0.99609375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06417852640151978},{"word":"they","start":2756.55,"end":2756.63,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1030840128660202},{"word":"were","start":2756.63,"end":2756.8699,"confidence":0.99902344,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.053679436445236206},{"word":"attached","start":2756.8699,"end":2757.19,"confidence":0.84472656,"punctuated_word":"attached,","sentiment":"neutral","sentiment_score":0.08567696809768677},{"word":"and","start":2757.19,"end":2757.67,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1817793250083923},{"word":"someone","start":2757.67,"end":2757.99,"confidence":0.9873047,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.19623644649982452},{"word":"might","start":2757.99,"end":2758.23,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.12449026107788086},{"word":"have","start":2758.23,"end":2758.3098,"confidence":0.96875,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16227690875530243},{"word":"dragged","start":2758.3098,"end":2758.63,"confidence":0.9941406,"punctuated_word":"dragged","sentiment":"neutral","sentiment_score":0.20060299336910248},{"word":"it","start":2758.63,"end":2758.8699,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2579205334186554},{"word":"across","start":2758.8699,"end":2759.1099,"confidence":0.8937988,"punctuated_word":"across,","sentiment":"neutral","sentiment_score":0.1756545603275299},{"word":"and","start":2759.1099,"end":2759.27,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3481886386871338},{"word":"that's","start":2759.27,"end":2759.5898,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.601028323173523},{"word":"absolutely","start":2759.5898,"end":2760.0698,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.6047443151473999},{"word":"okay","start":2760.0698,"end":2760.5698,"confidence":1.0,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.5010777711868286},{"word":"the","start":2761.3499,"end":2761.5898,"confidence":0.5625,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.22881725430488584},{"word":"only","start":2761.5898,"end":2761.99,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.11325033009052277},{"word":"document","start":2761.99,"end":2762.39,"confidence":0.51953125,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.2077583521604538},{"word":"that","start":2762.39,"end":2762.63,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21592676639556885},{"word":"it","start":2762.63,"end":2762.71,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28770142793655396},{"word":"should","start":2762.71,"end":2762.95,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.14657655358314514},{"word":"ask","start":2762.95,"end":2763.19,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.10912945121526718},{"word":"you","start":2763.19,"end":2763.3499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10995025187730788},{"word":"to","start":2763.3499,"end":2763.51,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08144645392894745},{"word":"sign","start":2763.51,"end":2763.8298,"confidence":0.99902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.07378837466239929},{"word":"is","start":2763.8298,"end":2763.99,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05890917032957077},{"word":"the","start":2763.99,"end":2764.15,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0813741460442543},{"word":"ongoing","start":2764.15,"end":2764.65,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.12402386963367462},{"word":"service","start":2764.71,"end":2765.19,"confidence":0.99902344,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.0846138447523117},{"word":"agreement","start":2765.19,"end":2765.67,"confidence":0.9914551,"punctuated_word":"agreement.","sentiment":"neutral","sentiment_score":0.103859081864357},{"word":"there","start":2765.67,"end":2765.91,"confidence":0.9316406,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.12609414756298065},{"word":"should","start":2765.91,"end":2766.15,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.152042418718338},{"word":"be","start":2766.15,"end":2766.23,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13129031658172607},{"word":"one","start":2766.23,"end":2766.39,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1560085415840149},{"word":"with","start":2766.39,"end":2766.63,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1257365196943283},{"word":"each","start":2766.63,"end":2766.8699,"confidence":0.99902344,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.0991952121257782},{"word":"of","start":2766.8699,"end":2767.03,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12936581671237946},{"word":"your","start":2767.03,"end":2767.19,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13713690638542175},{"word":"names","start":2767.19,"end":2767.67,"confidence":0.8935547,"punctuated_word":"names","sentiment":"neutral","sentiment_score":0.11392498016357422},{"word":"there","start":2767.67,"end":2768.115,"confidence":0.9140625,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12564383447170258},{"word":"because","start":2768.435,"end":2768.755,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.12850357592105863},{"word":"we","start":2768.755,"end":2768.915,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15945959091186523},{"word":"have","start":2768.915,"end":2769.155,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2011476904153824},{"word":"you","start":2769.155,"end":2769.395,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18480274081230164},{"word":"both","start":2769.395,"end":2769.715,"confidence":0.9941406,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.20709913969039917},{"word":"as","start":2769.715,"end":2770.115,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14489302039146423},{"word":"clients","start":2770.115,"end":2770.615,"confidence":0.89941406,"punctuated_word":"clients.","sentiment":"neutral","sentiment_score":0.12148970365524292},{"word":"our","start":2770.675,"end":2770.915,"confidence":0.9941406,"punctuated_word":"Our","sentiment":"neutral","sentiment_score":0.09843066334724426},{"word":"normal","start":2770.915,"end":2771.315,"confidence":0.99902344,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":0.12863902747631073},{"word":"fee","start":2771.315,"end":2771.555,"confidence":0.90722656,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.11820244789123537},{"word":"is","start":2771.555,"end":2771.635,"confidence":0.97509766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07076823711395264},{"word":"1.65%","start":2771.635,"end":2772.9949,"confidence":0.97617185,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.12407398968935011},{"word":"per","start":2772.9949,"end":2773.155,"confidence":0.9941406,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.0968211069703102},{"word":"annum","start":2773.155,"end":2773.655,"confidence":0.92561847,"punctuated_word":"annum,","sentiment":"neutral","sentiment_score":0.09751254320144652},{"word":"but","start":2773.875,"end":2774.035,"confidence":0.9453125,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1159844696521759},{"word":"we've","start":2774.035,"end":2774.275,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.22379788756370544},{"word":"actually","start":2774.275,"end":2774.595,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.24425041675567627},{"word":"reduced","start":2774.595,"end":2775.075,"confidence":0.9980469,"punctuated_word":"reduced","sentiment":"neutral","sentiment_score":0.17868143320083618},{"word":"yours","start":2775.075,"end":2775.475,"confidence":0.89453125,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":0.2486833781003952},{"word":"both","start":2775.475,"end":2775.955,"confidence":0.6665039,"punctuated_word":"both,","sentiment":"neutral","sentiment_score":0.23182502388954165},{"word":"and","start":2775.955,"end":2776.115,"confidence":0.96435547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2035570442676544},{"word":"it'll","start":2776.115,"end":2776.515,"confidence":0.9916992,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.20231787860393524},{"word":"continue","start":2776.515,"end":2777.015,"confidence":1.0,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.2206033170223236},{"word":"that","start":2777.075,"end":2777.235,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2207845449447632},{"word":"way","start":2777.235,"end":2777.475,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.20547083020210263},{"word":"to","start":2777.475,"end":2777.715,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13744939863681793},{"word":"1.1%","start":2777.715,"end":2779.315,"confidence":0.9952148,"punctuated_word":"1.1%.","sentiment":"neutral","sentiment_score":0.14173398911952972},{"word":"so","start":2779.315,"end":2779.475,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21815431118011477},{"word":"you're","start":2779.475,"end":2779.715,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2836759388446808},{"word":"paying","start":2779.715,"end":2779.955,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.29056990146636963},{"word":"a","start":2779.955,"end":2780.115,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35087090730667114},{"word":"lower","start":2780.115,"end":2780.435,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.3190772533416748},{"word":"fee","start":2780.435,"end":2780.935,"confidence":1.0,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.27497339248657227},{"word":"because","start":2781.315,"end":2781.555,"confidence":0.9404297,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.29104083776474},{"word":"you're","start":2781.555,"end":2781.795,"confidence":1.0,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3745051324367523},{"word":"both","start":2781.795,"end":2782.115,"confidence":1.0,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.4227999150753021},{"word":"on","start":2782.115,"end":2782.355,"confidence":0.6816406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3172081708908081},{"word":"board","start":2782.355,"end":2782.675,"confidence":0.99609375,"punctuated_word":"board","sentiment":"neutral","sentiment_score":0.2662150263786316},{"word":"there","start":2782.675,"end":2783.175,"confidence":0.82421875,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.20955654978752136},{"word":"and","start":2783.73,"end":2783.81,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19993525743484497},{"word":"it","start":2783.81,"end":2783.97,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2153518795967102},{"word":"should","start":2783.97,"end":2784.21,"confidence":0.97998047,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.23316824436187744},{"word":"just","start":2784.21,"end":2784.33,"confidence":0.8305664,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21588928997516632},{"word":"it","start":2784.45,"end":2784.61,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23421508073806763},{"word":"does","start":2784.61,"end":2784.93,"confidence":0.99609375,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.13908201456069946},{"word":"say","start":2784.93,"end":2785.09,"confidence":0.80908203,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.11882153153419496},{"word":"having","start":2785.09,"end":2785.33,"confidence":0.66748047,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.17852313816547394},{"word":"a","start":2785.33,"end":2785.41,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17671003937721252},{"word":"look","start":2785.41,"end":2785.65,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08769912272691727},{"word":"here","start":2785.65,"end":2785.89,"confidence":0.6800537,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.08627088367938995},{"word":"it's","start":2785.89,"end":2786.05,"confidence":0.98950195,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08375851809978485},{"word":"1.1%","start":2786.05,"end":2787.59,"confidence":0.99726564,"punctuated_word":"1.1%","sentiment":"neutral","sentiment_score":0.0946400910615921},{"word":"per","start":2787.89,"end":2788.05,"confidence":0.9819336,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.09719732403755188},{"word":"annum","start":2788.05,"end":2788.45,"confidence":0.9425456,"punctuated_word":"annum,","sentiment":"neutral","sentiment_score":0.10278772562742232},{"word":"and","start":2788.45,"end":2788.61,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10519297420978546},{"word":"then","start":2788.61,"end":2788.77,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09269973635673524},{"word":"we","start":2788.77,"end":2788.93,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10366874933242798},{"word":"deduct","start":2788.93,"end":2789.33,"confidence":0.98291016,"punctuated_word":"deduct","sentiment":"neutral","sentiment_score":0.13335129618644714},{"word":"our","start":2789.33,"end":2789.49,"confidence":0.64697266,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.09285260736942293},{"word":"ongoing","start":2789.49,"end":2789.99,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.08059310913085938},{"word":"service","start":2790.05,"end":2790.37,"confidence":0.9863281,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.0439072847366333},{"word":"fee","start":2790.37,"end":2790.53,"confidence":0.96533203,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.0787435919046402},{"word":"in","start":2790.53,"end":2790.77,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0836733728647232},{"word":"smaller","start":2790.77,"end":2791.17,"confidence":0.96972656,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.10483048856258392},{"word":"monthly","start":2791.17,"end":2791.57,"confidence":0.9921875,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.05616671964526177},{"word":"increments","start":2791.57,"end":2792.07,"confidence":0.9404297,"punctuated_word":"increments","sentiment":"neutral","sentiment_score":0.05637363716959953},{"word":"out","start":2792.13,"end":2792.29,"confidence":0.8642578,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09791690856218338},{"word":"of","start":2792.29,"end":2792.45,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.062388911843299866},{"word":"your","start":2792.45,"end":2792.69,"confidence":0.9819336,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07987416535615921},{"word":"super","start":2792.69,"end":2793.19,"confidence":0.9838867,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1224045529961586},{"word":"for","start":2794.13,"end":2794.29,"confidence":0.8881836,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10061616450548172},{"word":"our","start":2794.29,"end":2794.53,"confidence":0.9980469,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.07425297796726227},{"word":"services","start":2794.53,"end":2795.01,"confidence":0.7836914,"punctuated_word":"services,","sentiment":"neutral","sentiment_score":0.06318747252225876},{"word":"and","start":2795.01,"end":2795.25,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09139153361320496},{"word":"it","start":2795.25,"end":2795.49,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10363496840000153},{"word":"fluctuates","start":2795.49,"end":2795.97,"confidence":0.99902344,"punctuated_word":"fluctuates","sentiment":"neutral","sentiment_score":0.05621450021862984},{"word":"and","start":2795.97,"end":2796.13,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.011787720024585724},{"word":"goes","start":2796.13,"end":2796.37,"confidence":0.99902344,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.04200460761785507},{"word":"up","start":2796.37,"end":2796.53,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.035022199153900146},{"word":"and","start":2796.53,"end":2796.69,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0329480841755867},{"word":"down","start":2796.69,"end":2796.85,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.005647942423820496},{"word":"with","start":2796.85,"end":2797.09,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04625517874956131},{"word":"the","start":2797.09,"end":2797.17,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.045353300869464874},{"word":"market","start":2797.17,"end":2797.67,"confidence":0.99609375,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.06537297368049622},{"word":"so","start":2797.73,"end":2798.13,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.016939498484134674},{"word":"if","start":2798.13,"end":2798.37,"confidence":0.98095703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0036062896251678462},{"word":"the","start":2798.37,"end":2798.87,"confidence":0.7011719,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02611895650625229},{"word":"the","start":2799.055,"end":2799.135,"confidence":0.45141602,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04754455387592316},{"word":"so","start":2799.215,"end":2799.375,"confidence":0.8701172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.05139022320508957},{"word":"market","start":2799.375,"end":2799.775,"confidence":0.47021484,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.05476782470941544},{"word":"was","start":2799.775,"end":2800.0151,"confidence":0.7949219,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07793321460485458},{"word":"to","start":2800.0151,"end":2800.095,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12760937213897705},{"word":"take","start":2800.095,"end":2800.335,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.12171607464551926},{"word":"a","start":2800.335,"end":2800.415,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07870395481586456},{"word":"little","start":2800.415,"end":2800.655,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.08238101750612259},{"word":"bit","start":2800.655,"end":2800.895,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09599103778600691},{"word":"of","start":2800.895,"end":2801.135,"confidence":0.9658203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04726643115282059},{"word":"a","start":2801.135,"end":2801.215,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09655529260635376},{"word":"further","start":2801.215,"end":2801.535,"confidence":0.97802734,"punctuated_word":"further","sentiment":"neutral","sentiment_score":-0.12809357047080994},{"word":"dip","start":2801.535,"end":2802.035,"confidence":0.98217773,"punctuated_word":"dip,","sentiment":"neutral","sentiment_score":-0.05012058466672897},{"word":"our","start":2802.335,"end":2802.655,"confidence":0.5444336,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.05309397727251053},{"word":"fee","start":2802.655,"end":2802.895,"confidence":0.9921875,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":-0.04315533488988876},{"word":"does","start":2802.895,"end":2803.135,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.00945967435836792},{"word":"continue","start":2803.135,"end":2803.635,"confidence":1.0,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":-0.039164453744888306},{"word":"to","start":2803.695,"end":2803.935,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02508310973644257},{"word":"go","start":2803.935,"end":2804.175,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.03483954071998596},{"word":"down","start":2804.175,"end":2804.415,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.008021168410778046},{"word":"with","start":2804.415,"end":2804.655,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0217033252120018},{"word":"it","start":2804.655,"end":2804.895,"confidence":0.9108887,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.04122140631079674},{"word":"and","start":2804.895,"end":2805.055,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008891783654689789},{"word":"then","start":2805.055,"end":2805.215,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02136483788490295},{"word":"it","start":2805.215,"end":2805.375,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.027523964643478394},{"word":"does","start":2805.375,"end":2805.615,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.03546721488237381},{"word":"go","start":2805.615,"end":2805.775,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.019831731915473935},{"word":"up","start":2805.775,"end":2806.0151,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0010009929537773132},{"word":"a","start":2806.0151,"end":2806.095,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0213993676006794},{"word":"little","start":2806.095,"end":2806.335,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.04106272757053375},{"word":"bit","start":2806.335,"end":2806.495,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.042624182999134064},{"word":"as","start":2806.495,"end":2806.655,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.011649414896965029},{"word":"the","start":2806.655,"end":2806.815,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05443285405635834},{"word":"market","start":2806.815,"end":2807.215,"confidence":0.9951172,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.040591463446617126},{"word":"increases","start":2807.215,"end":2807.715,"confidence":0.9980469,"punctuated_word":"increases","sentiment":"neutral","sentiment_score":-0.019169658422470093},{"word":"as","start":2807.855,"end":2808.0151,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.040409401059150696},{"word":"well","start":2808.0151,"end":2808.2551,"confidence":0.9812012,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.03652999922633171},{"word":"so","start":2808.2551,"end":2808.495,"confidence":0.97509766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.011743582785129549},{"word":"our","start":2808.495,"end":2808.735,"confidence":0.9980469,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.030123166739940643},{"word":"fee","start":2808.735,"end":2809.235,"confidence":0.9902344,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":-0.006197437644004822},{"word":"goes","start":2809.455,"end":2809.775,"confidence":0.9970703,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.0002055913209915161},{"word":"up","start":2809.775,"end":2809.935,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0138755664229393},{"word":"and","start":2809.935,"end":2810.095,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03751739114522934},{"word":"down","start":2810.095,"end":2810.415,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.0060111284255981445},{"word":"with","start":2810.415,"end":2810.735,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.06521826982498169},{"word":"your","start":2810.735,"end":2811.055,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07134857028722763},{"word":"super","start":2811.055,"end":2811.555,"confidence":0.9797363,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.08907197415828705},{"word":"does","start":2811.615,"end":2811.855,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.01309354603290558},{"word":"that","start":2811.855,"end":2812.0151,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0463448241353035},{"word":"make","start":2812.0151,"end":2812.2551,"confidence":0.9921875,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.01354997605085373},{"word":"sense","start":2812.2551,"end":2812.7551,"confidence":0.99902344,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.013261359184980392},{"word":"yeah","start":2814.29,"end":2814.79,"confidence":0.8952637,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12274368107318878},{"word":"beautiful","start":2814.85,"end":2815.35,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4405750036239624},{"word":"yep","start":2822.77,"end":2823.25,"confidence":0.86450195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03924661874771118},{"word":"yeah","start":2823.25,"end":2823.75,"confidence":0.8774414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0023596379905939102},{"word":"oh","start":2827.265,"end":2827.765,"confidence":0.96899414,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.21157240867614743},{"word":"very","start":2828.145,"end":2828.545,"confidence":0.9892578,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.29591652750968933},{"word":"that's","start":2828.865,"end":2829.105,"confidence":0.9890137,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.33070147037506104},{"word":"a","start":2829.105,"end":2829.265,"confidence":0.9970703,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.39918509125709534},{"word":"bit","start":2829.265,"end":2829.585,"confidence":0.9838867,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3443850874900818},{"word":"bizarre","start":2829.585,"end":2830.065,"confidence":0.9946289,"punctuated_word":"bizarre.","sentiment":"negative","sentiment_score":-0.3658114671707154},{"word":"yeah","start":2830.065,"end":2830.565,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11721570044755936},{"word":"i'll","start":2832.4648,"end":2832.785,"confidence":0.98168945,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.10025986284017564},{"word":"find","start":2832.785,"end":2833.025,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.07095339894294739},{"word":"out","start":2833.025,"end":2833.265,"confidence":0.99316406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.06015449017286301},{"word":"if","start":2833.265,"end":2833.4248,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05694784224033356},{"word":"anything","start":2833.4248,"end":2833.825,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.03771108016371727},{"word":"else","start":2833.825,"end":2834.065,"confidence":0.99902344,"punctuated_word":"else","sentiment":"neutral","sentiment_score":-0.04327349737286568},{"word":"has","start":2834.065,"end":2834.2249,"confidence":0.97998047,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.03731466829776764},{"word":"come","start":2834.2249,"end":2834.4648,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.047719452530145645},{"word":"through","start":2834.4648,"end":2834.7048,"confidence":0.7807617,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":-0.05100593715906143},{"word":"but","start":2834.7048,"end":2834.865,"confidence":0.93603516,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.05107070133090019},{"word":"yeah","start":2834.865,"end":2834.9448,"confidence":0.9941406,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.06095334142446518},{"word":"it's","start":2834.9448,"end":2835.1848,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0489010363817215},{"word":"just","start":2835.1848,"end":2835.4248,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.048940785229206085},{"word":"the","start":2835.4248,"end":2835.585,"confidence":0.92578125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.035596951842308044},{"word":"ongoing","start":2835.585,"end":2836.065,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":-0.024912752211093903},{"word":"service","start":2836.065,"end":2836.545,"confidence":0.99902344,"punctuated_word":"service","sentiment":"neutral","sentiment_score":-0.026045922189950943},{"word":"agreement","start":2836.545,"end":2837.045,"confidence":0.99902344,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":-0.017598431557416916},{"word":"there","start":2837.105,"end":2837.43,"confidence":0.9885254,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.04665696620941162},{"word":"i","start":2837.5898,"end":2837.75,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04907778650522232},{"word":"can","start":2837.75,"end":2837.91,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.02826768159866333},{"word":"see","start":2837.91,"end":2838.39,"confidence":0.9790039,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.03089720383286476},{"word":"one's","start":2838.39,"end":2838.71,"confidence":0.9316406,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":-0.05673294514417648},{"word":"come","start":2838.71,"end":2838.95,"confidence":0.9970703,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.06941945105791092},{"word":"through","start":2838.95,"end":2839.19,"confidence":0.99194336,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":-0.07346094399690628},{"word":"but","start":2839.19,"end":2839.3499,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.09234511107206345},{"word":"i","start":2839.3499,"end":2839.51,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20537924766540527},{"word":"can't","start":2839.51,"end":2839.75,"confidence":0.99853516,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1756128966808319},{"word":"see","start":2839.75,"end":2839.99,"confidence":0.9760742,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.16329944133758545},{"word":"where","start":2839.99,"end":2840.23,"confidence":0.9970703,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.16901445388793945},{"word":"frank's","start":2840.23,"end":2840.63,"confidence":0.876709,"punctuated_word":"Frank's","sentiment":"neutral","sentiment_score":-0.16298948228359222},{"word":"has","start":2840.63,"end":2840.79,"confidence":0.9667969,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.1334332823753357},{"word":"come","start":2840.79,"end":2841.1099,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.14611506462097168},{"word":"through","start":2841.1099,"end":2841.51,"confidence":0.9812012,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.13179317116737366},{"word":"so","start":2841.51,"end":2842.01,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0651814416050911},{"word":"i","start":2843.03,"end":2843.19,"confidence":0.7529297,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06422660499811172},{"word":"will","start":2843.19,"end":2843.51,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.05169317498803139},{"word":"go","start":2843.51,"end":2843.5898,"confidence":0.9941406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.04772624373435974},{"word":"back","start":2843.5898,"end":2843.75,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.06214061379432678},{"word":"and","start":2843.75,"end":2843.99,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06988056749105453},{"word":"double","start":2843.99,"end":2844.49,"confidence":0.9980469,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.0506330206990242},{"word":"i","start":2845.43,"end":2845.5898,"confidence":0.46850586,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06847663223743439},{"word":"will","start":2845.5898,"end":2845.8298,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.030212119221687317},{"word":"go","start":2845.8298,"end":2846.0698,"confidence":0.9614258,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.0029337480664253235},{"word":"through","start":2846.0698,"end":2846.3098,"confidence":0.83740234,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.025069788098335263},{"word":"i","start":2846.39,"end":2846.47,"confidence":0.96875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.038975805044174194},{"word":"can","start":2846.47,"end":2846.71,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.02603292465209961},{"word":"double","start":2846.71,"end":2847.1099,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.019691288471221924},{"word":"check","start":2847.1099,"end":2847.3499,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.002365410327911377},{"word":"for","start":2847.3499,"end":2847.5898,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0128726065158844},{"word":"you","start":2847.5898,"end":2847.75,"confidence":0.9741211,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.02010302245616913},{"word":"frank","start":2847.75,"end":2848.0698,"confidence":0.9975586,"punctuated_word":"Frank,","sentiment":"neutral","sentiment_score":-0.029047098010778427},{"word":"if","start":2848.0698,"end":2848.23,"confidence":0.8828125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02039957046508789},{"word":"that","start":2848.23,"end":2848.39,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0528409406542778},{"word":"does","start":2848.39,"end":2848.71,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.053038209676742554},{"word":"come","start":2848.71,"end":2848.95,"confidence":0.9980469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.06647220253944397},{"word":"through","start":2848.95,"end":2849.3499,"confidence":0.99902344,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.0758049488067627},{"word":"if","start":2849.3499,"end":2849.5898,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.08783125877380371},{"word":"it","start":2849.5898,"end":2849.75,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07964113354682922},{"word":"doesn't","start":2849.75,"end":2850.15,"confidence":0.99934894,"punctuated_word":"doesn't,","sentiment":"neutral","sentiment_score":-0.07208512723445892},{"word":"i'll","start":2850.15,"end":2850.39,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.04242268204689026},{"word":"make","start":2850.39,"end":2850.55,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.08484652638435364},{"word":"sure","start":2850.55,"end":2850.79,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.07785201817750931},{"word":"i","start":2850.79,"end":2850.95,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04906102269887924},{"word":"resend","start":2850.95,"end":2851.43,"confidence":0.9692383,"punctuated_word":"resend","sentiment":"neutral","sentiment_score":-0.04283389449119568},{"word":"it","start":2851.43,"end":2851.5898,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.008572302758693695},{"word":"for","start":2851.5898,"end":2851.8298,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02539335936307907},{"word":"you","start":2851.8298,"end":2852.23,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.033368684351444244},{"word":"okay","start":2852.23,"end":2852.73,"confidence":0.73413086,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.015214278362691402},{"word":"yeah","start":2856.905,"end":2857.225,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03306850045919418},{"word":"no","start":2857.225,"end":2857.465,"confidence":0.99560547,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.021451685577630997},{"word":"that's","start":2857.465,"end":2857.705,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.034666821360588074},{"word":"okay","start":2857.705,"end":2858.1052,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.06539330631494522},{"word":"that's","start":2858.1052,"end":2858.3452,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14708907902240753},{"word":"not","start":2858.3452,"end":2858.5852,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.13840427994728088},{"word":"a","start":2858.5852,"end":2858.665,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0875372439622879},{"word":"problem","start":2858.665,"end":2858.985,"confidence":0.98339844,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.08012698590755463},{"word":"normally","start":2858.985,"end":2859.3052,"confidence":0.9909668,"punctuated_word":"Normally,","sentiment":"neutral","sentiment_score":-0.01988380216062069},{"word":"when","start":2859.3052,"end":2859.465,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.062338367104530334},{"word":"i","start":2859.465,"end":2859.625,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07128102332353592},{"word":"open","start":2859.625,"end":2859.865,"confidence":0.9863281,"punctuated_word":"open","sentiment":"neutral","sentiment_score":-0.06441017240285873},{"word":"it","start":2859.865,"end":2860.0251,"confidence":0.98217773,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.04898146912455559},{"word":"i","start":2860.0251,"end":2860.185,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.049611009657382965},{"word":"can","start":2860.185,"end":2860.3452,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.0773429125547409},{"word":"see","start":2860.3452,"end":2860.5852,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.08090408146381378},{"word":"both","start":2860.5852,"end":2860.8252,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.06837198138237},{"word":"of","start":2860.8252,"end":2860.985,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07251325249671936},{"word":"them","start":2860.985,"end":2861.225,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.052684150636196136},{"word":"here","start":2861.225,"end":2861.465,"confidence":0.99365234,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":-0.07805197685956955},{"word":"but","start":2861.465,"end":2861.625,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1349240243434906},{"word":"it's","start":2861.625,"end":2861.7852,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.22822976112365723},{"word":"only","start":2861.7852,"end":2862.185,"confidence":0.9951172,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.2409310936927795},{"word":"showing","start":2862.185,"end":2862.5051,"confidence":1.0,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":-0.18018361926078796},{"word":"me","start":2862.5051,"end":2862.665,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.19333839416503903},{"word":"one","start":2862.665,"end":2862.905,"confidence":0.99902344,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.16921366751194},{"word":"i'm","start":2862.905,"end":2863.0652,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.28483128547668457},{"word":"not","start":2863.0652,"end":2863.3052,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.26049792766571045},{"word":"really","start":2863.3052,"end":2863.5452,"confidence":0.6123047,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.23581993579864505},{"word":"sure","start":2863.5452,"end":2863.865,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.28628212213516235},{"word":"why","start":2863.865,"end":2864.2651,"confidence":0.91430664,"punctuated_word":"why.","sentiment":"neutral","sentiment_score":-0.26968270540237427},{"word":"so","start":2864.2651,"end":2864.7651,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03089289367198944},{"word":"that's","start":2865.0652,"end":2865.465,"confidence":0.99609375,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.03476867824792862},{"word":"honestly","start":2865.465,"end":2865.965,"confidence":0.9892578,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":0.03627400100231171},{"word":"okay","start":2866.1052,"end":2866.5051,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.010992106981575487},{"word":"i'll","start":2866.5051,"end":2866.745,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.16598066687583923},{"word":"go","start":2866.745,"end":2866.905,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.19772502779960632},{"word":"back","start":2866.905,"end":2867.145,"confidence":0.99609375,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.16925697028636932},{"word":"and","start":2867.145,"end":2867.3052,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15071460604667664},{"word":"have","start":2867.3052,"end":2867.465,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1827470511198044},{"word":"a","start":2867.465,"end":2867.5452,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21471449732780457},{"word":"bit","start":2867.5452,"end":2867.705,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.198552668094635},{"word":"of","start":2867.705,"end":2867.7852,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21931634843349457},{"word":"a","start":2867.7852,"end":2867.945,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20728209614753723},{"word":"look","start":2867.945,"end":2868.1052,"confidence":0.9921875,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.17588913440704346},{"word":"at","start":2868.1052,"end":2868.36,"confidence":0.82910156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.27277958393096924},{"word":"that","start":2868.36,"end":2868.6,"confidence":0.9707031,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2615075707435608},{"word":"for","start":2868.6,"end":2868.6802,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2507570683956146},{"word":"you","start":2868.6802,"end":2868.84,"confidence":0.9309082,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2256467044353485},{"word":"not","start":2868.84,"end":2869.32,"confidence":0.91015625,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.4089093208312988},{"word":"an","start":2869.32,"end":2869.4802,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.20555034279823303},{"word":"issue","start":2869.4802,"end":2869.8801,"confidence":1.0,"punctuated_word":"issue","sentiment":"neutral","sentiment_score":0.1788572072982788},{"word":"at","start":2869.8801,"end":2870.04,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2161310762166977},{"word":"all","start":2870.04,"end":2870.54,"confidence":0.99853516,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.3838178813457489},{"word":"if","start":2871.0,"end":2871.1602,"confidence":0.6411133,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.3194224536418915},{"word":"there","start":2871.1602,"end":2871.4001,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.22132109105587008},{"word":"is","start":2871.4001,"end":2871.56,"confidence":0.6958008,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1824668794870377},{"word":"anything","start":2871.56,"end":2871.8,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.22696861624717712},{"word":"else","start":2871.8,"end":2872.12,"confidence":0.99853516,"punctuated_word":"else,","sentiment":"neutral","sentiment_score":0.1610184907913208},{"word":"i'll","start":2872.12,"end":2872.36,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1735008805990219},{"word":"make","start":2872.36,"end":2872.4402,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.19716227054595947},{"word":"sure","start":2872.4402,"end":2872.6802,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.17207586765289307},{"word":"we","start":2872.6802,"end":2872.9202,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2021728754043579},{"word":"sort","start":2872.9202,"end":2873.08,"confidence":0.91015625,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.21523456275463104},{"word":"of","start":2873.08,"end":2873.1602,"confidence":0.84765625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25665754079818726},{"word":"give","start":2873.1602,"end":2873.32,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.20195893943309784},{"word":"you","start":2873.32,"end":2873.4802,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22451883554458615},{"word":"a","start":2873.4802,"end":2873.6401,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1854206919670105},{"word":"call","start":2873.6401,"end":2874.1401,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.1755678653717041},{"word":"and","start":2874.76,"end":2874.9202,"confidence":0.9589844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19846315681934357},{"word":"let","start":2874.9202,"end":2875.08,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.23313076794147491},{"word":"you","start":2875.08,"end":2875.24,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23165543377399445},{"word":"know","start":2875.24,"end":2875.74,"confidence":0.9980469,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.19101065397262573},{"word":"just","start":2876.84,"end":2877.1602,"confidence":0.98828125,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.10538475215435028},{"word":"to","start":2877.1602,"end":2877.32,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06439484655857086},{"word":"sort","start":2877.32,"end":2877.56,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08135699480772018},{"word":"of","start":2877.56,"end":2877.9602,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1019674986600876},{"word":"reiterate","start":2877.9602,"end":2878.4602,"confidence":0.86694336,"punctuated_word":"reiterate,","sentiment":"neutral","sentiment_score":0.07715252786874771},{"word":"so","start":2878.6,"end":2879.1,"confidence":0.96777344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11820162832736968},{"word":"super","start":2879.4001,"end":2879.7202,"confidence":0.8569336,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16335871815681458},{"word":"wise","start":2879.7202,"end":2880.2202,"confidence":0.96069336,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.1142253279685974},{"word":"you","start":2880.52,"end":2880.6802,"confidence":0.94921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10164743661880492},{"word":"know","start":2880.6802,"end":2881.1602,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07481527328491211},{"word":"not","start":2881.1602,"end":2881.485,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03960001468658447},{"word":"accessing","start":2881.725,"end":2882.125,"confidence":1.0,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.026172086596488953},{"word":"anything","start":2882.125,"end":2882.6052,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.022377580404281616},{"word":"unless","start":2882.6052,"end":2883.0852,"confidence":0.9980469,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.06365026533603668},{"word":"you","start":2883.0852,"end":2883.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005418494343757629},{"word":"need","start":2883.165,"end":2883.405,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.02332286536693573},{"word":"to","start":2883.405,"end":2883.5652,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028199203312397003},{"word":"until","start":2883.5652,"end":2883.965,"confidence":0.8208008,"punctuated_word":"until,","sentiment":"neutral","sentiment_score":0.009743895381689072},{"word":"robin","start":2883.965,"end":2884.2852,"confidence":0.8544922,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.050969015806913376},{"word":"you","start":2884.2852,"end":2884.445,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0487700030207634},{"word":"turn","start":2884.445,"end":2884.685,"confidence":0.99316406,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.06768607348203659},{"word":"age","start":2884.685,"end":2885.0852,"confidence":0.93115234,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.03913020342588425},{"word":"67","start":2885.0852,"end":2885.985,"confidence":0.99279785,"punctuated_word":"67.","sentiment":"neutral","sentiment_score":0.09102843701839448},{"word":"i'll","start":2886.7651,"end":2886.925,"confidence":0.94750977,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.188221737742424},{"word":"look","start":2886.925,"end":2887.0852,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.19398443400859833},{"word":"at","start":2887.0852,"end":2887.3252,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2102410793304443},{"word":"the","start":2887.3252,"end":2887.485,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2674638032913208},{"word":"centrelink","start":2887.485,"end":2887.965,"confidence":0.9736328,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":0.2774576246738434},{"word":"side","start":2887.965,"end":2888.2852,"confidence":0.9892578,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.23761992156505585},{"word":"of","start":2888.2852,"end":2888.365,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2860549986362457},{"word":"things","start":2888.365,"end":2888.685,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.24708594381809235},{"word":"for","start":2888.685,"end":2889.0051,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2378060519695282},{"word":"you","start":2889.0051,"end":2889.5051,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24686887860298157},{"word":"and","start":2889.8052,"end":2890.0452,"confidence":0.79833984,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18684865534305573},{"word":"look","start":2890.0452,"end":2890.205,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.181778222322464},{"word":"at","start":2890.205,"end":2890.365,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22784222662448883},{"word":"the","start":2890.365,"end":2890.5251,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2115447223186493},{"word":"portfolios","start":2890.5251,"end":2891.0251,"confidence":0.8388672,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.2154056131839752},{"word":"and","start":2891.245,"end":2891.405,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1994754523038864},{"word":"see","start":2891.405,"end":2891.5652,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2324207574129105},{"word":"what","start":2891.5652,"end":2891.725,"confidence":0.65234375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.20346224308013916},{"word":"we","start":2891.725,"end":2891.885,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2433827668428421},{"word":"can","start":2891.885,"end":2892.125,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2503330409526825},{"word":"come","start":2892.125,"end":2892.365,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.24016933143138883},{"word":"up","start":2892.365,"end":2892.5251,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1960883587598801},{"word":"with","start":2892.5251,"end":2892.685,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1955167055130005},{"word":"keeping","start":2892.685,"end":2893.0852,"confidence":0.97802734,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.2208971083164215},{"word":"that","start":2893.0852,"end":2893.245,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23273450136184692},{"word":"kind","start":2893.245,"end":2893.485,"confidence":0.8432617,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.14228688180446625},{"word":"of","start":2893.485,"end":2893.645,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1620425581932068},{"word":"50%","start":2893.645,"end":2894.465,"confidence":0.9995117,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.14132347702980042},{"word":"split","start":2894.5251,"end":2895.0251,"confidence":0.8989258,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.2025545984506607},{"word":"either","start":2895.245,"end":2895.745,"confidence":0.8857422,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.20933827757835388},{"word":"to","start":2895.885,"end":2895.965,"confidence":0.7661133,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1778177171945572},{"word":"the","start":2895.965,"end":2896.205,"confidence":0.88549805,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":0.16447404026985168},{"word":"you","start":2896.205,"end":2896.365,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12553730607032776},{"word":"know","start":2896.365,"end":2896.77,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.13981804251670835},{"word":"to","start":2897.09,"end":2897.25,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22783592343330383},{"word":"the","start":2897.25,"end":2897.41,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22786332666873932},{"word":"risk","start":2897.41,"end":2897.81,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.17078940570354462},{"word":"factor","start":2897.81,"end":2898.1301,"confidence":0.99902344,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.2318096309900284},{"word":"for","start":2898.1301,"end":2898.29,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23778754472732544},{"word":"you","start":2898.29,"end":2898.61,"confidence":0.89331055,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.20438340306282043},{"word":"so","start":2898.61,"end":2898.93,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1313014775514603},{"word":"50%","start":2898.93,"end":2899.57,"confidence":0.99609375,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.1319792866706848},{"word":"growth","start":2899.57,"end":2899.8901,"confidence":0.9326172,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2034283876419067},{"word":"investment","start":2899.8901,"end":2900.37,"confidence":0.80737305,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.13512353599071503},{"word":"50%","start":2900.37,"end":2901.01,"confidence":0.9995117,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.20220300555229187},{"word":"defensive","start":2901.01,"end":2901.51,"confidence":0.9873047,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.16859272122383118},{"word":"investment","start":2901.57,"end":2902.07,"confidence":0.96533203,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.15224754810333252},{"word":"is","start":2903.49,"end":2903.73,"confidence":0.63134766,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.09888392686843872},{"word":"there","start":2903.73,"end":2903.8901,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.14827196300029755},{"word":"anything","start":2903.8901,"end":2904.3901,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.22944705188274384},{"word":"else","start":2904.53,"end":2904.93,"confidence":0.99609375,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.22269710898399353},{"word":"goals","start":2904.93,"end":2905.33,"confidence":0.5410156,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.1794600486755371},{"word":"wise","start":2905.33,"end":2905.73,"confidence":0.97265625,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.2302500307559967},{"word":"that","start":2905.73,"end":2906.05,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1456253081560135},{"word":"either","start":2906.05,"end":2906.37,"confidence":0.9970703,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.1837029755115509},{"word":"of","start":2906.37,"end":2906.53,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15679515898227692},{"word":"you","start":2906.53,"end":2906.77,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16388407349586487},{"word":"might","start":2906.77,"end":2907.27,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.1050804853439331},{"word":"think","start":2907.41,"end":2907.65,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.13198764622211456},{"word":"you've","start":2907.65,"end":2908.05,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1450890600681305},{"word":"got","start":2908.05,"end":2908.45,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14259111881256104},{"word":"or","start":2908.45,"end":2908.69,"confidence":0.984375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12367987632751463},{"word":"want","start":2908.69,"end":2908.85,"confidence":0.99609375,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.12349184602499008},{"word":"me","start":2908.85,"end":2909.01,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.18184158205986023},{"word":"to","start":2909.01,"end":2909.17,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17332521080970764},{"word":"sort","start":2909.17,"end":2909.41,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1445208638906479},{"word":"of","start":2909.41,"end":2909.57,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22239306569099423},{"word":"look","start":2909.57,"end":2909.81,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14240103960037231},{"word":"at","start":2909.81,"end":2910.075,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18244948983192444},{"word":"for","start":2910.155,"end":2910.395,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1578042060136795},{"word":"you","start":2910.395,"end":2910.7148,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1958266794681549},{"word":"in","start":2910.7148,"end":2910.9548,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15471810102462769},{"word":"the","start":2910.9548,"end":2911.035,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17318332195281982},{"word":"next","start":2911.035,"end":2911.355,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.12538641691207886},{"word":"couple","start":2911.355,"end":2911.675,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.11367926001548768},{"word":"of","start":2911.675,"end":2911.755,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1628192663192749},{"word":"years","start":2911.755,"end":2912.075,"confidence":0.77197266,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.11882361769676208},{"word":"or","start":2912.075,"end":2912.2349,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06732665002346039},{"word":"is","start":2912.2349,"end":2912.4749,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04646140336990357},{"word":"that","start":2912.4749,"end":2912.635,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09488530457019806},{"word":"kind","start":2912.635,"end":2912.795,"confidence":0.9448242,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0589568130671978},{"word":"of","start":2912.795,"end":2912.9548,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08054906129837036},{"word":"the","start":2912.9548,"end":2913.035,"confidence":0.7890625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07140353322029114},{"word":"thing","start":2913.035,"end":2913.275,"confidence":0.7597656,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.11802482604980467},{"word":"where","start":2913.275,"end":2913.435,"confidence":0.97998047,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.023302853107452393},{"word":"your","start":2913.435,"end":2913.675,"confidence":0.8051758,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07904204726219177},{"word":"sleep","start":2913.675,"end":2913.9949,"confidence":0.72021484,"punctuated_word":"sleep","sentiment":"neutral","sentiment_score":0.10813555121421814},{"word":"is","start":2913.9949,"end":2914.155,"confidence":0.9707031,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.070269875228405},{"word":"going","start":2914.155,"end":2914.655,"confidence":0.99560547,"punctuated_word":"going?","sentiment":"neutral","sentiment_score":0.11552929878234865},{"word":"that's","start":2918.555,"end":2918.795,"confidence":0.85791016,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.231904536485672},{"word":"about","start":2918.795,"end":2919.115,"confidence":0.71484375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17354674637317655},{"word":"all","start":2919.115,"end":2919.355,"confidence":0.86572266,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.2312639951705933},{"word":"that's","start":2919.355,"end":2919.755,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.26734721660614014},{"word":"okay","start":2919.755,"end":2920.255,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2617517411708832},{"word":"just","start":2920.9548,"end":2921.195,"confidence":0.7597656,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.15965455770492554},{"word":"to","start":2921.195,"end":2921.355,"confidence":0.93115234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.120846226811409},{"word":"sort","start":2921.355,"end":2921.595,"confidence":0.9741211,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.14016415178775787},{"word":"of","start":2921.595,"end":2921.835,"confidence":0.67529297,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14852982759475708},{"word":"you're","start":2922.1702,"end":2922.49,"confidence":0.4453125,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.15361104905605316},{"word":"right","start":2922.49,"end":2922.57,"confidence":0.7883301,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.14266644418239594},{"word":"sorry","start":2922.57,"end":2923.07,"confidence":0.9626465,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.03435268998146057},{"word":"oh","start":2928.8901,"end":2929.29,"confidence":0.9592285,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.20196375250816345},{"word":"thank","start":2929.29,"end":2929.61,"confidence":0.9980469,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.35986343026161194},{"word":"you","start":2929.61,"end":2930.11,"confidence":0.99365234,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.33134835958480835},{"word":"thank","start":2930.8901,"end":2931.2102,"confidence":0.9980469,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6653885245323181},{"word":"you","start":2931.2102,"end":2931.4502,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.720182478427887},{"word":"so","start":2931.4502,"end":2931.6902,"confidence":0.99609375,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7047703266143799},{"word":"much","start":2931.6902,"end":2932.01,"confidence":0.99902344,"punctuated_word":"much,","sentiment":"positive","sentiment_score":0.6584546566009521},{"word":"robin","start":2932.01,"end":2932.4102,"confidence":0.967041,"punctuated_word":"Robin.","sentiment":"positive","sentiment_score":0.6616554260253906},{"word":"i'll","start":2932.4102,"end":2932.57,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.48739153146743774},{"word":"go","start":2932.57,"end":2932.73,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4915485382080078},{"word":"back","start":2932.73,"end":2932.8901,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.4852343797683716},{"word":"and","start":2932.8901,"end":2933.1301,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3886978030204773},{"word":"check","start":2933.1301,"end":2933.37,"confidence":0.9980469,"punctuated_word":"check","sentiment":"positive","sentiment_score":0.5115239024162292},{"word":"that","start":2933.37,"end":2933.6902,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.485850989818573},{"word":"for","start":2933.6902,"end":2934.01,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.41611266136169434},{"word":"you","start":2934.01,"end":2934.51,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.368741512298584},{"word":"sorry","start":2934.97,"end":2935.37,"confidence":0.78515625,"punctuated_word":"Sorry","sentiment":"neutral","sentiment_score":-0.03714697062969208},{"word":"about","start":2935.37,"end":2935.6902,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.01552511751651764},{"word":"that","start":2935.6902,"end":2936.1902,"confidence":0.9941406,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.002773616462945938},{"word":"i","start":2936.775,"end":2936.9348,"confidence":0.88964844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11961133778095244},{"word":"love","start":2936.9348,"end":2937.1748,"confidence":0.9980469,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.6399330496788025},{"word":"these","start":2937.1748,"end":2937.4949,"confidence":0.9707031,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.697709321975708},{"word":"new","start":2937.4949,"end":2937.7349,"confidence":0.9980469,"punctuated_word":"new","sentiment":"positive","sentiment_score":0.6366037726402283},{"word":"computer","start":2937.7349,"end":2938.2148,"confidence":0.9980469,"punctuated_word":"computer","sentiment":"positive","sentiment_score":0.453773558139801},{"word":"systems","start":2938.2148,"end":2938.7148,"confidence":0.96240234,"punctuated_word":"systems.","sentiment":"positive","sentiment_score":0.49965137243270874},{"word":"i'll","start":2941.335,"end":2941.655,"confidence":0.74609375,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12780235707759857},{"word":"just","start":2941.655,"end":2941.895,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11895711719989777},{"word":"double","start":2941.895,"end":2942.135,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.1349641978740692},{"word":"check","start":2942.135,"end":2942.4548,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.14042390882968905},{"word":"all","start":2942.4548,"end":2942.615,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.12393726408481598},{"word":"of","start":2942.615,"end":2942.775,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12849706411361694},{"word":"your","start":2942.775,"end":2943.095,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13190683722496033},{"word":"assets","start":2943.095,"end":2943.4949,"confidence":0.99902344,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.10683698207139967},{"word":"there","start":2943.4949,"end":2943.7349,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1152743399143219},{"word":"as","start":2943.7349,"end":2943.895,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1076306849718094},{"word":"well","start":2943.895,"end":2944.395,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1274511069059372},{"word":"so","start":2944.4548,"end":2944.9548,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.060430992394685745},{"word":"at","start":2945.015,"end":2945.1748,"confidence":0.9589844,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.036886196583509445},{"word":"the","start":2945.1748,"end":2945.335,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03890800103545189},{"word":"moment","start":2945.335,"end":2945.835,"confidence":0.99902344,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.03726554661989212},{"word":"we","start":2946.135,"end":2946.295,"confidence":0.9604492,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05751974508166313},{"word":"did","start":2946.295,"end":2946.535,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.05629940330982208},{"word":"have","start":2946.535,"end":2946.775,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04257159307599068},{"word":"your","start":2946.775,"end":2947.015,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03457949683070183},{"word":"main","start":2947.015,"end":2947.255,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.04380950331687927},{"word":"primary","start":2947.255,"end":2947.755,"confidence":0.9980469,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.04296480119228363},{"word":"residence","start":2947.815,"end":2948.315,"confidence":0.8828125,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.04874979704618454},{"word":"last","start":2948.535,"end":2948.855,"confidence":0.50439453,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02664707601070404},{"word":"year","start":2948.855,"end":2949.1748,"confidence":0.9345703,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.06742172688245773},{"word":"asset","start":2949.1748,"end":2949.655,"confidence":0.9970703,"punctuated_word":"Asset","sentiment":"neutral","sentiment_score":0.06422723829746246},{"word":"value","start":2949.655,"end":2950.055,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.045902542769908905},{"word":"we","start":2950.055,"end":2950.2148,"confidence":0.7392578,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06832192838191986},{"word":"had","start":2950.2148,"end":2950.4548,"confidence":0.99121094,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.03422074392437935},{"word":"noted","start":2950.4548,"end":2950.855,"confidence":0.99609375,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.05928783491253853},{"word":"was","start":2950.855,"end":2951.015,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04801242426037789},{"word":"about","start":2951.015,"end":2951.28,"confidence":0.9941406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05345163494348526},{"word":"500,000","start":2951.44,"end":2952.58,"confidence":0.9996745,"punctuated_word":"500,000.","sentiment":"neutral","sentiment_score":0.06360391527414322},{"word":"do","start":2953.36,"end":2953.52,"confidence":0.65625,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0278824120759964},{"word":"you","start":2953.52,"end":2953.68,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0003187805414199829},{"word":"think","start":2953.68,"end":2953.92,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.004351578652858734},{"word":"that","start":2953.92,"end":2954.16,"confidence":0.9838867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012439228594303133},{"word":"might","start":2954.16,"end":2954.32,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.016267679631710052},{"word":"have","start":2954.32,"end":2954.56,"confidence":0.94921875,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0005775466561317444},{"word":"increased","start":2954.56,"end":2955.04,"confidence":0.99902344,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":0.024265870451927185},{"word":"a","start":2955.04,"end":2955.12,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04745563119649887},{"word":"bit","start":2955.12,"end":2955.44,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.054018422961235046},{"word":"from","start":2955.44,"end":2955.68,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.03710801899433136},{"word":"where","start":2955.68,"end":2955.92,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.04709020256996155},{"word":"we","start":2955.92,"end":2956.24,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.018449626863002777},{"word":"were","start":2956.24,"end":2956.56,"confidence":0.9970703,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.026394836604595184},{"word":"last","start":2956.56,"end":2956.8801,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.016852490603923798},{"word":"year","start":2956.8801,"end":2957.12,"confidence":0.9980469,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":-0.01685057207942009},{"word":"do","start":2957.12,"end":2957.28,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.05660621076822281},{"word":"you","start":2957.28,"end":2957.36,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0109187513589859},{"word":"think","start":2957.36,"end":2957.52,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.02524826303124428},{"word":"it","start":2957.52,"end":2957.68,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.006741799414157867},{"word":"might","start":2957.68,"end":2957.84,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.04500249028205872},{"word":"be","start":2957.84,"end":2958.08,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0000354573130607605},{"word":"valued","start":2958.08,"end":2958.48,"confidence":1.0,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":0.009845741093158722},{"word":"more","start":2958.48,"end":2958.72,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.01844727247953415},{"word":"to","start":2958.72,"end":2958.8,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0026669949293136597},{"word":"yourself","start":2958.8,"end":2959.28,"confidence":0.9970703,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.050217434763908386},{"word":"at","start":2959.28,"end":2959.44,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.00793023407459259},{"word":"the","start":2959.44,"end":2959.52,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02608349174261093},{"word":"moment","start":2959.52,"end":2959.84,"confidence":0.89746094,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.030083373188972473},{"word":"or","start":2959.84,"end":2960.0,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.017166584730148315},{"word":"what's","start":2960.0,"end":2960.24,"confidence":0.9128418,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.028120411559939384},{"word":"your","start":2960.24,"end":2960.48,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.004063539206981659},{"word":"thoughts","start":2960.48,"end":2960.8,"confidence":0.97802734,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":-0.00032189488410949707},{"word":"on","start":2960.8,"end":2960.96,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.01260259747505188},{"word":"that","start":2960.96,"end":2961.2,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022317878901958466},{"word":"value","start":2961.2,"end":2961.7,"confidence":0.9995117,"punctuated_word":"value?","sentiment":"neutral","sentiment_score":0.02368445321917534},{"word":"crazy","start":2968.7349,"end":2969.2148,"confidence":0.6472168,"punctuated_word":"Crazy,","sentiment":"neutral","sentiment_score":-0.13066589832305908},{"word":"ain't","start":2969.2148,"end":2969.4548,"confidence":0.7919922,"punctuated_word":"ain't","sentiment":"neutral","sentiment_score":-0.15351927280426023},{"word":"it","start":2969.4548,"end":2969.9548,"confidence":0.9838867,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.08051462471485138},{"word":"yeah","start":2970.415,"end":2970.915,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.027332402765750885},{"word":"yeah","start":2976.35,"end":2976.75,"confidence":0.93066406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01444324105978012},{"word":"yeah","start":2976.75,"end":2977.25,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01247241348028183},{"word":"yep","start":2982.27,"end":2982.77,"confidence":0.96875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04072733223438263},{"word":"yep","start":2982.83,"end":2983.31,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.037808701395988464},{"word":"no","start":2983.31,"end":2983.55,"confidence":0.93530273,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.009546943008899689},{"word":"that's","start":2983.55,"end":2983.87,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0730653703212738},{"word":"okay","start":2983.87,"end":2984.37,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.09195154905319214},{"word":"not","start":2984.6702,"end":2984.9102,"confidence":0.99902344,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.2669112980365753},{"word":"a","start":2984.9102,"end":2985.07,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19112905859947205},{"word":"problem","start":2985.07,"end":2985.3901,"confidence":0.9995117,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":-0.008760007098317146},{"word":"so","start":2985.3901,"end":2985.55,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02232886105775833},{"word":"i'm","start":2985.55,"end":2985.71,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.022409290075302124},{"word":"having","start":2985.71,"end":2985.95,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.017985552549362183},{"word":"i'm","start":2986.03,"end":2986.19,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.01566406898200512},{"word":"just","start":2986.19,"end":2986.35,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0174210537225008},{"word":"having","start":2986.35,"end":2986.59,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.016914302483201027},{"word":"a","start":2986.59,"end":2986.6702,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020763447508215904},{"word":"quick","start":2986.6702,"end":2986.83,"confidence":0.9921875,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.03607765585184097},{"word":"look","start":2986.83,"end":2987.07,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.024790089577436447},{"word":"online","start":2987.07,"end":2987.3901,"confidence":0.9970703,"punctuated_word":"online","sentiment":"neutral","sentiment_score":0.027434807270765305},{"word":"to","start":2987.3901,"end":2987.55,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022464659065008163},{"word":"see","start":2987.55,"end":2987.895,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.02806016430258751},{"word":"what","start":2987.975,"end":2988.135,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.021430496126413345},{"word":"the","start":2988.135,"end":2988.375,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018555443733930588},{"word":"estimated","start":2988.375,"end":2988.775,"confidence":0.7729492,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.018357453867793083},{"word":"value","start":2988.775,"end":2989.095,"confidence":0.9980469,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.02113719657063484},{"word":"of","start":2989.095,"end":2989.175,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02324158325791359},{"word":"the","start":2989.175,"end":2989.335,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01883513107895851},{"word":"property","start":2989.335,"end":2989.735,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.017368309199810028},{"word":"is","start":2989.735,"end":2989.895,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.006903466768562794},{"word":"at","start":2989.895,"end":2990.055,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.006141114979982376},{"word":"the","start":2990.055,"end":2990.135,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014137842692434788},{"word":"moment","start":2990.135,"end":2990.535,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.014343343675136566},{"word":"to","start":2990.535,"end":2990.695,"confidence":0.8803711,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0322612002491951},{"word":"sort","start":2990.695,"end":2990.935,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.014059745706617832},{"word":"of","start":2990.935,"end":2991.0151,"confidence":0.8310547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.027341807261109352},{"word":"see","start":2991.0151,"end":2991.2551,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03861325234174728},{"word":"what","start":2991.2551,"end":2991.415,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.029072288423776627},{"word":"is","start":2991.415,"end":2991.815,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.022995464503765103},{"word":"out","start":2991.815,"end":2991.975,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.029705513268709183},{"word":"there","start":2991.975,"end":2992.215,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.023752542212605476},{"word":"and","start":2992.215,"end":2992.375,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03150855377316475},{"word":"what","start":2992.375,"end":2992.615,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0249539352953434},{"word":"they're","start":2992.615,"end":2992.935,"confidence":0.9951172,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.010928018018603323},{"word":"saying","start":2992.935,"end":2993.435,"confidence":0.99365234,"punctuated_word":"saying.","sentiment":"neutral","sentiment_score":0.014884544536471369},{"word":"so","start":2995.895,"end":2996.395,"confidence":0.4248047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02387780323624611},{"word":"the","start":3001.51,"end":3001.67,"confidence":0.29052734,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.022993139922618862},{"word":"same","start":3001.67,"end":3002.15,"confidence":0.7060547,"punctuated_word":"same,","sentiment":"neutral","sentiment_score":0.0343654491007328},{"word":"realistically","start":3002.15,"end":3002.65,"confidence":0.8796387,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.0275289174169302},{"word":"estimated","start":3003.5898,"end":3004.0898,"confidence":0.9667969,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.028687864542007446},{"word":"property","start":3004.15,"end":3004.63,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.028185557574033737},{"word":"value","start":3004.63,"end":3005.13,"confidence":0.8222656,"punctuated_word":"value,","sentiment":"neutral","sentiment_score":0.027655720710754395},{"word":"mid","start":3005.19,"end":3005.43,"confidence":0.88183594,"punctuated_word":"mid","sentiment":"neutral","sentiment_score":0.027790101245045665},{"word":"range","start":3005.43,"end":3005.8298,"confidence":0.99316406,"punctuated_word":"range","sentiment":"neutral","sentiment_score":0.019868064671754837},{"word":"about","start":3005.8298,"end":3006.15,"confidence":0.50878906,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.027376949787139893},{"word":"400,000","start":3006.15,"end":3007.19,"confidence":0.97648114,"punctuated_word":"400,000,","sentiment":"neutral","sentiment_score":0.026524987071752548},{"word":"high","start":3007.19,"end":3007.43,"confidence":0.9838867,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.0231338944286108},{"word":"range","start":3007.43,"end":3007.8298,"confidence":0.99902344,"punctuated_word":"range","sentiment":"neutral","sentiment_score":0.029673421755433083},{"word":"about","start":3007.8298,"end":3008.15,"confidence":0.90478516,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.021469369530677795},{"word":"$4.55","start":3008.15,"end":3009.45,"confidence":0.9992676,"punctuated_word":"$4.55.","sentiment":"neutral","sentiment_score":0.015396271832287312},{"word":"did","start":3010.0698,"end":3010.3098,"confidence":0.99902344,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.0009291060268878936},{"word":"you","start":3010.3098,"end":3010.63,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04406793788075447},{"word":"feel","start":3010.63,"end":3010.95,"confidence":0.99902344,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.0539451465010643},{"word":"like","start":3010.95,"end":3011.1099,"confidence":0.86621094,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0772881954908371},{"word":"that's","start":3011.1099,"end":3011.43,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.06939755380153656},{"word":"very","start":3011.43,"end":3011.75,"confidence":0.69970703,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.18132323026657104},{"word":"average","start":3011.75,"end":3012.23,"confidence":0.8664551,"punctuated_word":"average,","sentiment":"neutral","sentiment_score":-0.12342479825019836},{"word":"or","start":3012.23,"end":3012.39,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.13612820208072662},{"word":"did","start":3012.39,"end":3012.5498,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.11287083476781844},{"word":"you","start":3012.5498,"end":3012.71,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06558560580015182},{"word":"wanna","start":3012.71,"end":3012.95,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.07804029434919357},{"word":"keep","start":3012.95,"end":3013.3499,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.1039130762219429},{"word":"it","start":3013.3499,"end":3013.43,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.056289419531822205},{"word":"to","start":3013.43,"end":3013.67,"confidence":0.33251953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07067839056253433},{"word":"where","start":3013.67,"end":3013.91,"confidence":0.7739258,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.04643498361110687},{"word":"it","start":3013.91,"end":3014.0698,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03371511027216911},{"word":"was","start":3014.0698,"end":3014.47,"confidence":0.9428711,"punctuated_word":"was?","sentiment":"neutral","sentiment_score":-0.05824698507785797},{"word":"or","start":3014.47,"end":3014.97,"confidence":0.9536133,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.03661918267607689},{"word":"yep","start":3023.345,"end":3023.845,"confidence":0.98795575,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.007488870527595282},{"word":"yep","start":3027.6802,"end":3028.1802,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07435354590415955},{"word":"yep","start":3030.2402,"end":3030.7402,"confidence":0.9758301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15312732756137848},{"word":"that's","start":3031.2002,"end":3031.6802,"confidence":0.9890137,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.48278746008872986},{"word":"absolutely","start":3031.6802,"end":3032.1802,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.5526823401451111},{"word":"fine","start":3032.2402,"end":3032.56,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.45714572072029114},{"word":"not","start":3032.56,"end":3032.8,"confidence":1.0,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.5535892248153687},{"word":"a","start":3032.8,"end":3032.8801,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4283356964588166},{"word":"problem","start":3032.8801,"end":3033.28,"confidence":1.0,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.44271278381347656},{"word":"at","start":3033.28,"end":3033.52,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4749322533607483},{"word":"all","start":3033.52,"end":3034.02,"confidence":0.9980469,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.4410573840141296},{"word":"so","start":3040.175,"end":3040.575,"confidence":0.79541016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1395876407623291},{"word":"$5.70","start":3040.575,"end":3041.475,"confidence":0.98095703,"punctuated_word":"$5.70.","sentiment":"neutral","sentiment_score":0.22586902976036072},{"word":"beautiful","start":3041.615,"end":3041.935,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6357696056365967},{"word":"and","start":3041.935,"end":3042.175,"confidence":0.9277344,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.2736269235610962},{"word":"robin","start":3042.175,"end":3042.495,"confidence":0.967041,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.25573140382766724},{"word":"your","start":3042.495,"end":3042.735,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2723267674446106},{"word":"income","start":3042.735,"end":3043.055,"confidence":0.9536133,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.19800451397895813},{"word":"i'm","start":3043.055,"end":3043.215,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12988506257534027},{"word":"just","start":3043.215,"end":3043.455,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15441849827766418},{"word":"sort","start":3043.455,"end":3043.615,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.16232937574386597},{"word":"of","start":3043.615,"end":3043.775,"confidence":0.80810547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16312578320503235},{"word":"estimating","start":3043.775,"end":3044.2551,"confidence":1.0,"punctuated_word":"estimating","sentiment":"neutral","sentiment_score":0.1693686544895172},{"word":"your","start":3044.2551,"end":3044.735,"confidence":0.97509766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2080058455467224},{"word":"take","start":3044.735,"end":3044.975,"confidence":0.9580078,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.21219393610954285},{"word":"down","start":3044.975,"end":3045.215,"confidence":0.40307617,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.19157525897026065},{"word":"gross","start":3045.215,"end":3045.455,"confidence":0.8598633,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.18418295681476593},{"word":"income","start":3045.455,"end":3045.855,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.22350898385047913},{"word":"per","start":3045.855,"end":3046.015,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.12465567141771317},{"word":"week","start":3046.015,"end":3046.335,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.1031344085931778},{"word":"is","start":3046.335,"end":3046.575,"confidence":0.9223633,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1693088263273239},{"word":"about","start":3046.575,"end":3046.815,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17263704538345337},{"word":"570","start":3046.815,"end":3047.855,"confidence":0.99401855,"punctuated_word":"570.","sentiment":"neutral","sentiment_score":0.18356025218963623},{"word":"you're","start":3047.855,"end":3048.095,"confidence":0.9645996,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.30934855341911316},{"word":"fairly","start":3048.095,"end":3048.415,"confidence":0.9970703,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.27188020944595337},{"word":"comfortable","start":3048.415,"end":3048.895,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.17200511693954468},{"word":"with","start":3048.895,"end":3049.135,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2351265400648117},{"word":"that","start":3049.135,"end":3049.635,"confidence":0.8991699,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.20459912717342377},{"word":"yep","start":3055.23,"end":3055.63,"confidence":0.90649414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02810642682015896},{"word":"yep","start":3055.63,"end":3056.13,"confidence":0.9741211,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06784301996231079},{"word":"okay","start":3060.75,"end":3061.25,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.005951574072241783},{"word":"do","start":3061.47,"end":3061.63,"confidence":0.99121094,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.019624624401330948},{"word":"you","start":3061.63,"end":3061.8699,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.024654444307088852},{"word":"yeah","start":3064.385,"end":3064.885,"confidence":0.9836426,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.07755598425865173},{"word":"no","start":3064.945,"end":3065.265,"confidence":0.97314453,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.12041492015123367},{"word":"worries","start":3065.265,"end":3065.765,"confidence":0.98950195,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.10358963906764984},{"word":"alright","start":3067.9849,"end":3068.465,"confidence":0.6512451,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.29749661684036255},{"word":"lovely","start":3068.465,"end":3068.945,"confidence":0.9941406,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.4607144296169281},{"word":"and","start":3068.945,"end":3069.345,"confidence":0.8991699,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.10544904321432114},{"word":"frank","start":3069.345,"end":3069.665,"confidence":0.99902344,"punctuated_word":"Frank,","sentiment":"neutral","sentiment_score":0.0820716917514801},{"word":"how","start":3069.665,"end":3069.905,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05027980357408523},{"word":"much","start":3069.905,"end":3070.145,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.05560833588242531},{"word":"are","start":3070.145,"end":3070.2249,"confidence":0.984375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03389722853899002},{"word":"you","start":3070.2249,"end":3070.545,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.045984748750925064},{"word":"averaging","start":3070.545,"end":3071.025,"confidence":0.9980469,"punctuated_word":"averaging","sentiment":"neutral","sentiment_score":0.05742316693067551},{"word":"from","start":3071.025,"end":3071.265,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05636853352189064},{"word":"centrelink","start":3071.265,"end":3071.765,"confidence":0.9763997,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":0.1046217530965805},{"word":"on","start":3071.825,"end":3071.905,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.047196004539728165},{"word":"a","start":3071.905,"end":3071.9849,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06173417717218399},{"word":"fortnightly","start":3071.9849,"end":3072.4849,"confidence":0.99902344,"punctuated_word":"fortnightly","sentiment":"neutral","sentiment_score":0.042421236634254456},{"word":"basis","start":3072.545,"end":3072.865,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.04366130381822586},{"word":"at","start":3072.865,"end":3073.025,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02954132668673992},{"word":"the","start":3073.025,"end":3073.185,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034397173672914505},{"word":"moment","start":3073.185,"end":3073.505,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.04524990916252136},{"word":"for","start":3073.505,"end":3073.585,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03138607740402222},{"word":"the","start":3073.585,"end":3073.7449,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03691420704126358},{"word":"age","start":3073.7449,"end":3073.9849,"confidence":0.8964844,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.04145222529768944},{"word":"pension","start":3073.9849,"end":3074.4849,"confidence":0.99853516,"punctuated_word":"pension?","sentiment":"neutral","sentiment_score":0.033067215234041214},{"word":"per","start":3079.6802,"end":3079.9202,"confidence":0.8222656,"punctuated_word":"Per","sentiment":"neutral","sentiment_score":0.003950494807213545},{"word":"fortnight","start":3079.9202,"end":3080.4202,"confidence":0.9692383,"punctuated_word":"fortnight?","sentiment":"neutral","sentiment_score":0.00515326950699091},{"word":"yep","start":3080.6401,"end":3081.1401,"confidence":0.88671875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.017242612317204475},{"word":"sorry","start":3086.0,"end":3086.32,"confidence":0.795166,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.04183938726782799},{"word":"did","start":3086.32,"end":3086.56,"confidence":0.5180664,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.04637199267745018},{"word":"you","start":3086.56,"end":3086.7202,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03755047917366028},{"word":"say","start":3086.7202,"end":3086.9602,"confidence":0.9980469,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.042385466396808624},{"word":"$7.50","start":3086.9602,"end":3087.6,"confidence":0.99609375,"punctuated_word":"$7.50","sentiment":"neutral","sentiment_score":-0.04399995133280754},{"word":"or","start":3087.6,"end":3087.76,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.036057326942682266},{"word":"$7.60","start":3087.76,"end":3088.4001,"confidence":0.99560547,"punctuated_word":"$7.60","sentiment":"neutral","sentiment_score":-0.02855387143790722},{"word":"just","start":3088.4001,"end":3088.6401,"confidence":0.9658203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.026521092280745503},{"word":"before","start":3088.6401,"end":3088.8801,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.030040446668863297},{"word":"as","start":3088.8801,"end":3089.04,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03518787398934364},{"word":"well","start":3089.04,"end":3089.28,"confidence":0.9951172,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":-0.03336092829704285},{"word":"sorry","start":3089.28,"end":3089.78,"confidence":0.9970703,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.05650654062628746},{"word":"yep","start":3092.295,"end":3092.795,"confidence":0.9536133,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.011018946766853333},{"word":"oh","start":3095.2551,"end":3095.415,"confidence":0.80859375,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.10029670596122742},{"word":"it's","start":3095.415,"end":3095.575,"confidence":0.9121094,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.09180054068565369},{"word":"not","start":3095.575,"end":3096.075,"confidence":0.7597656,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.0940496027469635},{"word":"okay","start":3117.7651,"end":3118.2651,"confidence":0.8898926,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02167819067835808},{"word":"690","start":3121.125,"end":3122.5051,"confidence":0.9724121,"punctuated_word":"690.","sentiment":"neutral","sentiment_score":0.01613587513566017},{"word":"perfect","start":3124.245,"end":3124.745,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3163296580314636},{"word":"robin","start":3127.14,"end":3127.46,"confidence":0.9538574,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.06532999873161316},{"word":"do","start":3127.46,"end":3127.58,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04434623196721077},{"word":"you","start":3127.58,"end":3127.7,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05741541087627411},{"word":"know","start":3127.7,"end":3127.8599,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0150349922478199},{"word":"what","start":3127.8599,"end":3128.02,"confidence":0.9428711,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02494107373058796},{"word":"your","start":3128.02,"end":3128.26,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0408855676651001},{"word":"hourly","start":3128.26,"end":3128.74,"confidence":0.99902344,"punctuated_word":"hourly","sentiment":"neutral","sentiment_score":0.020858045667409897},{"word":"rate","start":3128.74,"end":3128.98,"confidence":0.9980469,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.03547084331512451},{"word":"is","start":3128.98,"end":3129.14,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.025229034945368767},{"word":"at","start":3129.14,"end":3129.3,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.010944969952106476},{"word":"all","start":3129.3,"end":3129.8,"confidence":0.9995117,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.015480690635740755},{"word":"yep","start":3132.42,"end":3132.92,"confidence":0.970459,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.021406862884759903},{"word":"30","start":3133.78,"end":3134.02,"confidence":0.99121094,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.017990391701459885},{"word":"$1.70","start":3134.02,"end":3134.8198,"confidence":0.98291016,"punctuated_word":"$1.70","sentiment":"neutral","sentiment_score":0.020218420773744583},{"word":"per","start":3134.8198,"end":3135.06,"confidence":0.9863281,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.025511739775538445},{"word":"hour","start":3135.06,"end":3135.38,"confidence":0.9519043,"punctuated_word":"hour.","sentiment":"neutral","sentiment_score":0.06246571987867355},{"word":"beautiful","start":3135.38,"end":3135.88,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.01965983584523201},{"word":"because","start":3135.94,"end":3136.26,"confidence":0.98535156,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.08180295675992966},{"word":"i","start":3136.26,"end":3136.3398,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1117660626769066},{"word":"can","start":3136.3398,"end":3136.5,"confidence":0.98291016,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10859587788581848},{"word":"sort","start":3136.5,"end":3136.74,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1259605586528778},{"word":"of","start":3136.74,"end":3136.9,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10191071033477785},{"word":"average","start":3136.9,"end":3137.3,"confidence":0.9970703,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.112085223197937},{"word":"that","start":3137.3,"end":3137.54,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16610608994960785},{"word":"out","start":3137.54,"end":3137.7,"confidence":0.90771484,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1346823275089264},{"word":"and","start":3137.7,"end":3138.135,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11229921132326126},{"word":"work","start":3138.135,"end":3138.295,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.15787973999977112},{"word":"it","start":3138.295,"end":3138.455,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1432921290397644},{"word":"out","start":3138.455,"end":3138.535,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.15039794147014618},{"word":"on","start":3138.535,"end":3138.615,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10502031445503236},{"word":"the","start":3138.615,"end":3138.855,"confidence":0.86865234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10486319661140442},{"word":"thirty","start":3138.855,"end":3139.175,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.1130077913403511},{"word":"two","start":3139.175,"end":3139.415,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.07707388699054718},{"word":"hours","start":3139.415,"end":3139.815,"confidence":1.0,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.06999091058969498},{"word":"and","start":3139.815,"end":3140.055,"confidence":0.89746094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09425830841064452},{"word":"average","start":3140.055,"end":3140.455,"confidence":0.9760742,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.0891282707452774},{"word":"that","start":3140.455,"end":3140.615,"confidence":0.48339844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10331221669912338},{"word":"over","start":3140.615,"end":3140.7349,"confidence":0.9941406,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.10482826828956604},{"word":"the","start":3140.7349,"end":3140.855,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08962956070899963},{"word":"course","start":3140.855,"end":3141.175,"confidence":1.0,"punctuated_word":"course","sentiment":"neutral","sentiment_score":0.10908949375152588},{"word":"of","start":3141.175,"end":3141.2551,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09667796641588212},{"word":"the","start":3141.2551,"end":3141.415,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08419933915138245},{"word":"year","start":3141.415,"end":3141.655,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.09829597175121307},{"word":"for","start":3141.655,"end":3141.815,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09990445524454115},{"word":"you","start":3141.815,"end":3141.895,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08983386307954788},{"word":"to","start":3141.895,"end":3141.975,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0878305733203888},{"word":"kinda","start":3141.975,"end":3142.295,"confidence":0.90527344,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.10656629502773284},{"word":"give","start":3142.295,"end":3142.455,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.07969190925359726},{"word":"me","start":3142.455,"end":3142.615,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.09913785755634308},{"word":"an","start":3142.615,"end":3142.775,"confidence":0.99121094,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08553655445575714},{"word":"estimate","start":3142.775,"end":3143.095,"confidence":0.9951172,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.09970519691705704},{"word":"on","start":3143.095,"end":3143.2551,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0871649906039238},{"word":"the","start":3143.2551,"end":3143.415,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06670213490724564},{"word":"income","start":3143.415,"end":3143.735,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05200541019439697},{"word":"if","start":3143.735,"end":3143.975,"confidence":0.8413086,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06516379117965698},{"word":"you","start":3143.975,"end":3144.135,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0674620047211647},{"word":"like","start":3144.135,"end":3144.635,"confidence":0.98828125,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.079486183822155},{"word":"that's","start":3144.775,"end":3145.095,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.35848546028137207},{"word":"absolutely","start":3145.095,"end":3145.595,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.7190321683883667},{"word":"fine","start":3145.735,"end":3146.135,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.6696915626525879},{"word":"beautiful","start":3146.135,"end":3146.635,"confidence":0.99560547,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7287118434906006},{"word":"and","start":3147.975,"end":3148.215,"confidence":0.70654297,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4584362208843231},{"word":"you","start":3148.215,"end":3148.455,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33605241775512695},{"word":"sort","start":3148.455,"end":3148.695,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.3268696069717407},{"word":"of","start":3148.695,"end":3148.775,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3132827579975128},{"word":"need","start":3148.775,"end":3149.095,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.29704782366752625},{"word":"income","start":3149.095,"end":3149.495,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.230035662651062},{"word":"of","start":3149.495,"end":3149.655,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.117589108645916},{"word":"about","start":3149.655,"end":3149.975,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.121143139898777},{"word":"$3,000","start":3149.975,"end":3150.935,"confidence":0.9777832,"punctuated_word":"$3,000","sentiment":"neutral","sentiment_score":0.12612847983837128},{"word":"per","start":3150.935,"end":3151.175,"confidence":0.9980469,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.12427694350481032},{"word":"fortnight","start":3151.175,"end":3151.655,"confidence":0.9199219,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.12239736318588255},{"word":"or","start":3151.655,"end":3151.815,"confidence":0.66503906,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0940183252096176},{"word":"$1,000","start":3151.815,"end":3152.535,"confidence":0.9468994,"punctuated_word":"$1,000","sentiment":"neutral","sentiment_score":0.1338367760181427},{"word":"per","start":3152.535,"end":3152.855,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.11015601456165314},{"word":"week","start":3152.855,"end":3153.095,"confidence":0.9980469,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.11973049491643906},{"word":"to","start":3153.095,"end":3153.335,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1172417551279068},{"word":"survive","start":3153.335,"end":3153.835,"confidence":1.0,"punctuated_word":"survive","sentiment":"neutral","sentiment_score":0.2424159944057465},{"word":"moving","start":3155.6301,"end":3155.9502,"confidence":0.9980469,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.2117863297462463},{"word":"forward","start":3155.9502,"end":3156.4302,"confidence":0.9680176,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.22293689846992493},{"word":"is","start":3156.4302,"end":3156.6702,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1256280541419983},{"word":"that","start":3156.6702,"end":3156.9102,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15517224371433258},{"word":"fairly","start":3156.9102,"end":3157.31,"confidence":0.9194336,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.15045836567878723},{"word":"right","start":3157.31,"end":3157.6301,"confidence":0.9970703,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.13103196024894714},{"word":"did","start":3157.6301,"end":3157.79,"confidence":0.9951172,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.03381320461630821},{"word":"you","start":3157.79,"end":3157.9502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05498522520065307},{"word":"want","start":3157.9502,"end":3158.11,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.04325726628303528},{"word":"me","start":3158.11,"end":3158.1902,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05558902770280838},{"word":"to","start":3158.1902,"end":3158.4302,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06137436628341675},{"word":"maybe","start":3158.4302,"end":3158.83,"confidence":0.9316406,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.06850867718458176},{"word":"factor","start":3158.83,"end":3159.1501,"confidence":0.9472656,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.07359081506729126},{"word":"in","start":3159.1501,"end":3159.2302,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0723731592297554},{"word":"a","start":3159.2302,"end":3159.31,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09036537259817123},{"word":"bit","start":3159.31,"end":3159.4702,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07013237476348877},{"word":"of","start":3159.4702,"end":3159.6301,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1017141044139862},{"word":"a","start":3159.6301,"end":3159.7102,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06927941739559174},{"word":"buffer","start":3159.7102,"end":3160.03,"confidence":0.99902344,"punctuated_word":"buffer","sentiment":"neutral","sentiment_score":0.0651911050081253},{"word":"there","start":3160.03,"end":3160.27,"confidence":0.86572266,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.04744427651166916},{"word":"or","start":3160.27,"end":3160.4302,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.022342968732118607},{"word":"are","start":3160.4302,"end":3160.59,"confidence":0.51464844,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.023611292243003845},{"word":"you","start":3160.59,"end":3160.6702,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.040759019553661346},{"word":"happy","start":3160.6702,"end":3160.99,"confidence":0.99609375,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.016434408724308014},{"word":"with","start":3160.99,"end":3161.1501,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.018143460154533383},{"word":"that","start":3161.1501,"end":3161.31,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.058497387915849686},{"word":"for","start":3161.31,"end":3161.55,"confidence":0.9790039,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.020421501249074936},{"word":"the","start":3161.55,"end":3161.6301,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.049813102930784225},{"word":"moment","start":3161.6301,"end":3162.1301,"confidence":0.9946289,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.05638874322175979},{"word":"it","start":3173.085,"end":3173.245,"confidence":0.74658203,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.23267461359500885},{"word":"really","start":3173.245,"end":3173.565,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.2604098916053772},{"word":"doesn't","start":3173.565,"end":3174.065,"confidence":0.8307292,"punctuated_word":"doesn't.","sentiment":"neutral","sentiment_score":-0.15292540192604065},{"word":"no","start":3174.125,"end":3174.625,"confidence":0.9995117,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10582754015922546},{"word":"when","start":3174.685,"end":3174.925,"confidence":0.9980469,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.0983237847685814},{"word":"you","start":3174.925,"end":3175.005,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08778958767652512},{"word":"think","start":3175.005,"end":3175.245,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.08661414682865143},{"word":"about","start":3175.245,"end":3175.725,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1214020773768425},{"word":"groceries","start":3175.725,"end":3176.225,"confidence":0.7734375,"punctuated_word":"groceries,","sentiment":"neutral","sentiment_score":-0.13620242476463318},{"word":"i","start":3176.285,"end":3176.365,"confidence":0.8520508,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11537201702594756},{"word":"know","start":3176.365,"end":3176.845,"confidence":0.98291016,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.11182518303394318},{"word":"i've","start":3176.845,"end":3177.345,"confidence":0.9135742,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.13362233340740204},{"word":"i've","start":3177.485,"end":3177.645,"confidence":0.8930664,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.13462768495082855},{"word":"got","start":3177.645,"end":3177.885,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.14327682554721832},{"word":"two","start":3177.885,"end":3178.045,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.13698633015155792},{"word":"kids","start":3178.045,"end":3178.285,"confidence":1.0,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.12272795289754868},{"word":"moved","start":3178.285,"end":3178.525,"confidence":0.9506836,"punctuated_word":"moved","sentiment":"neutral","sentiment_score":-0.13441556692123413},{"word":"out","start":3178.525,"end":3178.685,"confidence":0.97998047,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.13109081983566284},{"word":"of","start":3178.685,"end":3178.765,"confidence":0.95703125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16541536152362823},{"word":"home","start":3178.765,"end":3179.005,"confidence":0.9873047,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.15286624431610107},{"word":"now","start":3179.005,"end":3179.085,"confidence":0.96875,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.1432349681854248},{"word":"and","start":3179.085,"end":3179.245,"confidence":0.81640625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12097950279712676},{"word":"only","start":3179.245,"end":3179.485,"confidence":0.8618164,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.1215909868478775},{"word":"one","start":3179.485,"end":3179.725,"confidence":0.9428711,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.13661782443523407},{"word":"child","start":3179.725,"end":3179.965,"confidence":0.9760742,"punctuated_word":"child","sentiment":"neutral","sentiment_score":-0.09046391397714616},{"word":"at","start":3179.965,"end":3180.045,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13598953187465668},{"word":"home","start":3180.045,"end":3180.205,"confidence":0.9638672,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":-0.11844876408576964},{"word":"i'm","start":3180.205,"end":3180.365,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.15677273273468018},{"word":"still","start":3180.365,"end":3180.605,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.1875758171081543},{"word":"spending","start":3180.605,"end":3181.085,"confidence":1.0,"punctuated_word":"spending","sentiment":"neutral","sentiment_score":-0.15292908251285553},{"word":"about","start":3181.085,"end":3181.325,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.19422785937786105},{"word":"$2.50","start":3181.325,"end":3181.86,"confidence":0.9941406,"punctuated_word":"$2.50","sentiment":"neutral","sentiment_score":-0.15006093680858612},{"word":"to","start":3181.86,"end":3182.1,"confidence":0.96435547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18007542192935944},{"word":"$300","start":3182.1,"end":3182.6602,"confidence":0.9995117,"punctuated_word":"$300","sentiment":"neutral","sentiment_score":-0.10680875182151794},{"word":"a","start":3182.6602,"end":3182.74,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1580892950296402},{"word":"week","start":3182.74,"end":3182.9802,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.15495559573173523},{"word":"on","start":3182.9802,"end":3183.1401,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1912495493888855},{"word":"groceries","start":3183.1401,"end":3183.5134,"confidence":0.98657227,"punctuated_word":"groceries.","sentiment":"neutral","sentiment_score":-0.15821552276611328},{"word":"it's","start":3183.5134,"end":3183.8867,"confidence":0.75390625,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.23843270540237427},{"word":"everything","start":3184.26,"end":3184.74,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.23014956712722776},{"word":"costs","start":3184.74,"end":3185.06,"confidence":0.83935547,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":-0.20537814497947693},{"word":"so","start":3185.06,"end":3185.2202,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2507941424846649},{"word":"much","start":3185.2202,"end":3185.7202,"confidence":1.0,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.2143857330083847},{"word":"oh","start":3191.3801,"end":3191.86,"confidence":0.99560547,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.038536496460437775},{"word":"absolutely","start":3191.86,"end":3192.36,"confidence":0.9995117,"punctuated_word":"absolutely.","sentiment":"neutral","sentiment_score":0.06763659417629242},{"word":"i","start":3194.675,"end":3194.835,"confidence":0.9165039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05148399621248245},{"word":"can","start":3194.835,"end":3195.075,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07251135259866714},{"word":"i","start":3195.075,"end":3195.235,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0663825273513794},{"word":"can","start":3195.235,"end":3195.475,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14697998762130737},{"word":"keep","start":3195.475,"end":3195.635,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.11605480313301086},{"word":"it","start":3195.635,"end":3195.795,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06371709704399109},{"word":"at","start":3195.795,"end":3195.955,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05648201331496239},{"word":"2,000","start":3195.955,"end":3196.515,"confidence":0.99853516,"punctuated_word":"2,000","sentiment":"neutral","sentiment_score":0.08271168172359467},{"word":"per","start":3196.515,"end":3196.675,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.06195133924484253},{"word":"week","start":3196.675,"end":3196.995,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.04803818091750145},{"word":"at","start":3196.995,"end":3197.075,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08470464497804642},{"word":"the","start":3197.075,"end":3197.155,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08396550267934799},{"word":"moment","start":3197.155,"end":3197.555,"confidence":0.8496094,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.09815016388893127},{"word":"and","start":3197.555,"end":3197.715,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1307208091020584},{"word":"if","start":3197.715,"end":3197.955,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19897902011871335},{"word":"you","start":3197.955,"end":3198.195,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17949971556663513},{"word":"find","start":3198.195,"end":3198.515,"confidence":0.99902344,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.1846466064453125},{"word":"that","start":3198.515,"end":3198.675,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1754346489906311},{"word":"you","start":3198.675,"end":3198.915,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17971879243850708},{"word":"wanna","start":3198.915,"end":3199.235,"confidence":0.9902344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.19683080911636353},{"word":"increase","start":3199.235,"end":3199.715,"confidence":0.99902344,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.13876506686210632},{"word":"that","start":3199.715,"end":3199.875,"confidence":0.9765625,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.15686450898647308},{"word":"that's","start":3199.875,"end":3200.275,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.22770516574382785},{"word":"absolutely","start":3200.275,"end":3200.755,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.20113176107406616},{"word":"fine","start":3200.755,"end":3201.255,"confidence":0.99658203,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2113521546125412},{"word":"this","start":3201.875,"end":3202.035,"confidence":0.5366211,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.26471057534217834},{"word":"kinda","start":3202.035,"end":3202.355,"confidence":0.90771484,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.3220711052417755},{"word":"gives","start":3202.355,"end":3202.595,"confidence":0.9951172,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.23153284192085263},{"word":"us","start":3202.595,"end":3202.755,"confidence":0.99609375,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.2680622339248657},{"word":"a","start":3202.755,"end":3202.835,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2426852136850357},{"word":"bit","start":3202.835,"end":3202.995,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.25875017046928406},{"word":"of","start":3202.995,"end":3203.155,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27894407510757446},{"word":"a","start":3203.155,"end":3203.315,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27322423458099365},{"word":"working","start":3203.315,"end":3203.715,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.298610121011734},{"word":"point","start":3203.715,"end":3204.035,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.2890976369380951},{"word":"for","start":3204.035,"end":3204.195,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29461604356765747},{"word":"you","start":3204.195,"end":3204.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32055774331092834},{"word":"moving","start":3204.515,"end":3204.915,"confidence":0.99902344,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.3265301585197449},{"word":"forward","start":3204.915,"end":3205.415,"confidence":1.0,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.29072704911231995},{"word":"i","start":3205.875,"end":3206.035,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12639424204826355},{"word":"mean","start":3206.035,"end":3206.275,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.12985602021217346},{"word":"we're","start":3206.275,"end":3206.355,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.13282707333564758},{"word":"looking","start":3206.355,"end":3206.675,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.10951249301433565},{"word":"at","start":3206.675,"end":3206.755,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0905364602804184},{"word":"the","start":3206.755,"end":3206.915,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09657573699951172},{"word":"advice","start":3206.915,"end":3207.415,"confidence":0.9951172,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.10005764663219452},{"word":"now","start":3207.475,"end":3207.715,"confidence":0.9526367,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.0979277491569519},{"word":"but","start":3207.715,"end":3207.955,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.09896093606948853},{"word":"also","start":3207.955,"end":3208.275,"confidence":0.79052734,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":0.0954531580209732},{"word":"you","start":3208.275,"end":3208.435,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09802471101284028},{"word":"know","start":3208.435,"end":3208.595,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10366255044937134},{"word":"in","start":3208.595,"end":3208.755,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.117831289768219},{"word":"the","start":3208.755,"end":3208.835,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.108930803835392},{"word":"next","start":3208.835,"end":3209.1,"confidence":0.99316406,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.10269080102443696},{"word":"fifteen","start":3209.26,"end":3209.76,"confidence":0.9980469,"punctuated_word":"fifteen","sentiment":"neutral","sentiment_score":0.0971650928258896},{"word":"months","start":3210.3,"end":3210.62,"confidence":0.8063965,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.10836349427700044},{"word":"knowing","start":3210.78,"end":3211.1802,"confidence":0.99902344,"punctuated_word":"knowing","sentiment":"neutral","sentiment_score":0.13742974400520325},{"word":"that","start":3211.1802,"end":3211.5,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12404459714889526},{"word":"in","start":3211.5,"end":3211.6602,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10929769277572632},{"word":"that","start":3211.6602,"end":3211.9001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10509545356035233},{"word":"time","start":3211.9001,"end":3212.2202,"confidence":0.8547363,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.0821559876203537},{"word":"things","start":3212.2202,"end":3212.54,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07316047698259354},{"word":"can","start":3212.54,"end":3212.78,"confidence":0.9941406,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11893878877162932},{"word":"change","start":3212.78,"end":3213.02,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.0860707238316536},{"word":"and","start":3213.02,"end":3213.1802,"confidence":0.42138672,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08442065119743347},{"word":"we","start":3213.1802,"end":3213.34,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12900693714618683},{"word":"may","start":3213.34,"end":3213.5,"confidence":0.96240234,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.12142054736614229},{"word":"need","start":3213.5,"end":3213.6602,"confidence":0.99121094,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.13268201053142548},{"word":"to","start":3213.6602,"end":3213.82,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1300290822982788},{"word":"update","start":3213.82,"end":3214.1401,"confidence":0.99902344,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.10534567385911942},{"word":"it","start":3214.1401,"end":3214.2202,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15257985889911652},{"word":"again","start":3214.2202,"end":3214.4602,"confidence":0.95581055,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.1236797571182251},{"word":"but","start":3214.4602,"end":3214.7002,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1465250700712204},{"word":"this","start":3214.7002,"end":3214.86,"confidence":0.609375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.148075133562088},{"word":"is","start":3214.86,"end":3214.9402,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12582272291183472},{"word":"giving","start":3214.9402,"end":3215.1802,"confidence":0.9951172,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.12382026761770248},{"word":"you","start":3215.1802,"end":3215.4202,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13327600061893463},{"word":"a","start":3215.4202,"end":3215.5,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10890430957078934},{"word":"bit","start":3215.5,"end":3215.58,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1224498599767685},{"word":"of","start":3215.58,"end":3215.74,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13879050314426422},{"word":"an","start":3215.74,"end":3215.9001,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13736043870449066},{"word":"idea","start":3215.9001,"end":3216.2202,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.1293553113937378},{"word":"of","start":3216.2202,"end":3216.3,"confidence":0.86865234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1277974247932434},{"word":"where","start":3216.3,"end":3216.54,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.10303138196468352},{"word":"we're","start":3216.54,"end":3216.7002,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.11504601687192915},{"word":"tracking","start":3216.7002,"end":3217.1,"confidence":1.0,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.12343089282512663},{"word":"and","start":3217.1,"end":3217.1802,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13833707571029663},{"word":"what","start":3217.1802,"end":3217.34,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15488159656524658},{"word":"it","start":3217.34,"end":3217.58,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13799037039279938},{"word":"sort","start":3217.58,"end":3217.74,"confidence":0.96972656,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.11639420688152312},{"word":"of","start":3217.74,"end":3217.9001,"confidence":0.69873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10015255957841872},{"word":"looks","start":3217.9001,"end":3218.1401,"confidence":0.99316406,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.12754304707050323},{"word":"like","start":3218.1401,"end":3218.3801,"confidence":0.99609375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.13758103549480438},{"word":"down","start":3218.3801,"end":3218.54,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.15129758417606354},{"word":"the","start":3218.54,"end":3218.7002,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12751372158527374},{"word":"track","start":3218.7002,"end":3219.02,"confidence":0.9970703,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.11004502326250076},{"word":"for","start":3219.02,"end":3219.1802,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12378053367137908},{"word":"you","start":3219.1802,"end":3219.6602,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.07901380211114883},{"word":"okay","start":3219.6602,"end":3220.1602,"confidence":0.7907715,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.039031922817230225},{"word":"excellent","start":3221.925,"end":3222.425,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.31756481528282166},{"word":"other","start":3222.885,"end":3223.205,"confidence":0.8774414,"punctuated_word":"Other","sentiment":"neutral","sentiment_score":0.1738610565662384},{"word":"assets","start":3223.205,"end":3223.605,"confidence":1.0,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.13948093354701996},{"word":"i","start":3223.605,"end":3223.845,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12742620706558228},{"word":"have","start":3223.845,"end":3224.085,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13463902473449707},{"word":"here","start":3224.085,"end":3224.485,"confidence":0.97753906,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.13021622598171234},{"word":"i've","start":3224.485,"end":3224.645,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.07343074679374695},{"word":"got","start":3224.645,"end":3224.885,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07086586952209473},{"word":"your","start":3224.885,"end":3225.125,"confidence":0.98291016,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06855129450559616},{"word":"nissan","start":3225.125,"end":3225.445,"confidence":0.9863281,"punctuated_word":"Nissan","sentiment":"neutral","sentiment_score":0.06906331330537796},{"word":"qashqai","start":3225.445,"end":3225.945,"confidence":0.88115233,"punctuated_word":"Qashqai.","sentiment":"neutral","sentiment_score":0.07884390652179718},{"word":"rough","start":3226.885,"end":3227.365,"confidence":0.9892578,"punctuated_word":"Rough","sentiment":"neutral","sentiment_score":-0.003809720277786255},{"word":"value","start":3227.365,"end":3227.845,"confidence":0.78344727,"punctuated_word":"value,","sentiment":"neutral","sentiment_score":0.00834720954298973},{"word":"if","start":3227.845,"end":3228.0051,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0005385186523199081},{"word":"you","start":3228.0051,"end":3228.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00007575750350952148},{"word":"had","start":3228.165,"end":3228.325,"confidence":0.9892578,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.027515746653079987},{"word":"to","start":3228.325,"end":3228.485,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.001795545220375061},{"word":"sell","start":3228.485,"end":3228.885,"confidence":0.99316406,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.004948869347572327},{"word":"that","start":3228.885,"end":3229.385,"confidence":0.8718262,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0008883439004421234},{"word":"got","start":3230.245,"end":3230.405,"confidence":0.54248047,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.026020623743534088},{"word":"down","start":3230.405,"end":3230.645,"confidence":0.9863281,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.017405960708856583},{"word":"here","start":3230.645,"end":3230.885,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.015815313905477524},{"word":"about","start":3230.885,"end":3231.205,"confidence":0.98095703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.001217380166053772},{"word":"20,000","start":3231.205,"end":3232.105,"confidence":0.9822998,"punctuated_word":"20,000.","sentiment":"neutral","sentiment_score":0.020511042326688766},{"word":"if","start":3232.8052,"end":3232.965,"confidence":0.9873047,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0366859957575798},{"word":"you","start":3232.965,"end":3233.125,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03226446732878685},{"word":"did","start":3233.125,"end":3233.365,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.013473235070705414},{"word":"have","start":3233.365,"end":3233.605,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01455479860305786},{"word":"to","start":3233.605,"end":3233.7651,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.020920246839523315},{"word":"sell","start":3233.7651,"end":3233.925,"confidence":1.0,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.0018420964479446411},{"word":"that","start":3233.925,"end":3234.085,"confidence":0.9980469,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.025023726746439937},{"word":"what","start":3234.085,"end":3234.245,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.020240772515535355},{"word":"do","start":3234.245,"end":3234.405,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0018661320209503176},{"word":"you","start":3234.405,"end":3234.5652,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02196355164051056},{"word":"think","start":3234.5652,"end":3234.8052,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.013595998287200928},{"word":"what","start":3234.885,"end":3235.125,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03230612725019455},{"word":"value","start":3235.125,"end":3235.445,"confidence":0.9970703,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.007047310471534729},{"word":"wise","start":3235.445,"end":3235.7651,"confidence":0.99316406,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.04119434952735901},{"word":"would","start":3235.7651,"end":3235.925,"confidence":0.9941406,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04663554206490517},{"word":"it","start":3235.925,"end":3236.085,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06464883685112},{"word":"be","start":3236.085,"end":3236.245,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03278172016143799},{"word":"to","start":3236.245,"end":3236.405,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016811639070510864},{"word":"you","start":3236.405,"end":3236.905,"confidence":0.99902344,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.02581441774964333},{"word":"yeah","start":3246.38,"end":3246.54,"confidence":0.9667969,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005057528614997864},{"word":"that's","start":3246.54,"end":3246.8599,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0589556060731411},{"word":"okay","start":3246.8599,"end":3247.3599,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.10004661232233047},{"word":"we","start":3250.0752,"end":3250.3152,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.031362101435661316},{"word":"had","start":3250.3152,"end":3250.5552,"confidence":0.7631836,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.0297355093061924},{"word":"20,000","start":3250.5552,"end":3251.195,"confidence":1.0,"punctuated_word":"20,000","sentiment":"neutral","sentiment_score":0.02621031738817692},{"word":"last","start":3251.195,"end":3251.435,"confidence":0.9941406,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.01378902792930603},{"word":"year","start":3251.435,"end":3251.675,"confidence":0.99560547,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.02209364622831345},{"word":"did","start":3251.675,"end":3251.835,"confidence":0.9980469,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.010104868561029434},{"word":"you","start":3251.835,"end":3251.995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016883686184883118},{"word":"wanna","start":3251.995,"end":3252.235,"confidence":0.9760742,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.01592373475432396},{"word":"keep","start":3252.235,"end":3252.395,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.016515381634235382},{"word":"it","start":3252.395,"end":3252.635,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.010122518986463548},{"word":"at","start":3252.635,"end":3252.715,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.003990743309259415},{"word":"20","start":3252.715,"end":3253.215,"confidence":0.9995117,"punctuated_word":"20?","sentiment":"neutral","sentiment_score":0.014656532555818558},{"word":"yeah","start":3260.475,"end":3260.97,"confidence":0.9243164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06241155415773392},{"word":"absolutely","start":3261.21,"end":3261.69,"confidence":0.9980469,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.09944570064544678},{"word":"and","start":3261.69,"end":3261.93,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05911362171173096},{"word":"then","start":3261.93,"end":3262.01,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05542676895856857},{"word":"we've","start":3262.01,"end":3262.25,"confidence":0.99658203,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.05051563307642937},{"word":"got","start":3262.25,"end":3262.41,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0541742742061615},{"word":"the","start":3262.41,"end":3262.57,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03937822952866554},{"word":"nissan","start":3262.57,"end":3262.89,"confidence":0.9873047,"punctuated_word":"Nissan","sentiment":"neutral","sentiment_score":0.04690947383642197},{"word":"navara","start":3262.89,"end":3263.3699,"confidence":0.9632161,"punctuated_word":"Navara,","sentiment":"neutral","sentiment_score":0.04738053679466248},{"word":"which","start":3263.3699,"end":3263.53,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.06235196441411972},{"word":"is","start":3263.53,"end":3263.69,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04587971791625023},{"word":"a","start":3263.69,"end":3263.8499,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03939051926136017},{"word":"2012","start":3263.8499,"end":3264.81,"confidence":0.9494629,"punctuated_word":"2012","sentiment":"neutral","sentiment_score":0.05427597463130951},{"word":"model","start":3264.81,"end":3265.13,"confidence":0.7937012,"punctuated_word":"model.","sentiment":"neutral","sentiment_score":0.031090054661035538},{"word":"and","start":3265.13,"end":3265.29,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.029677096754312515},{"word":"last","start":3265.29,"end":3265.53,"confidence":0.9902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.016378335654735565},{"word":"year","start":3265.53,"end":3265.77,"confidence":0.954834,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.025441516190767288},{"word":"we","start":3265.77,"end":3265.8499,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.041317373514175415},{"word":"said","start":3265.8499,"end":3266.09,"confidence":0.9941406,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.03940034657716751},{"word":"roughly","start":3266.09,"end":3266.59,"confidence":0.95703125,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.033192120492458344},{"word":"about","start":3266.97,"end":3267.3699,"confidence":0.9892578,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03411144018173218},{"word":"15,000","start":3267.3699,"end":3268.3499,"confidence":0.9995117,"punctuated_word":"15,000","sentiment":"neutral","sentiment_score":0.04152075946331024},{"word":"value","start":3268.41,"end":3268.81,"confidence":0.98657227,"punctuated_word":"value.","sentiment":"neutral","sentiment_score":0.03262447938323021},{"word":"would","start":3268.81,"end":3269.05,"confidence":0.99316406,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.021377813071012497},{"word":"you","start":3269.05,"end":3269.21,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03077700361609459},{"word":"keep","start":3269.21,"end":3269.3699,"confidence":0.9921875,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.027339672669768333},{"word":"that","start":3269.3699,"end":3269.6099,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03279382735490799},{"word":"about","start":3269.6099,"end":3269.8499,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.023200778290629387},{"word":"the","start":3269.8499,"end":3270.01,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026249002665281296},{"word":"same","start":3270.01,"end":3270.25,"confidence":0.97021484,"punctuated_word":"same,","sentiment":"neutral","sentiment_score":0.025845350697636604},{"word":"do","start":3270.25,"end":3270.33,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.012164201587438583},{"word":"you","start":3270.33,"end":3270.41,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021203001961112022},{"word":"think","start":3270.41,"end":3270.91,"confidence":1.0,"punctuated_word":"think?","sentiment":"neutral","sentiment_score":-0.0061867330223321915},{"word":"no","start":3273.05,"end":3273.45,"confidence":0.8532715,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.13897377252578735},{"word":"drop","start":3273.45,"end":3273.69,"confidence":0.9921875,"punctuated_word":"Drop","sentiment":"neutral","sentiment_score":-0.15979352593421936},{"word":"it","start":3273.69,"end":3273.8499,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0903639942407608},{"word":"a","start":3273.8499,"end":3273.93,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09172723442316057},{"word":"little","start":3273.93,"end":3274.17,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.08996255695819855},{"word":"bit","start":3274.17,"end":3274.49,"confidence":0.7932129,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.08796552568674088},{"word":"12","start":3274.49,"end":3274.99,"confidence":0.81103516,"punctuated_word":"12.","sentiment":"neutral","sentiment_score":-0.013103009201586246},{"word":"yeah","start":3283.5552,"end":3283.955,"confidence":0.98339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1625584363937378},{"word":"wow","start":3283.955,"end":3284.455,"confidence":0.99658203,"punctuated_word":"Wow.","sentiment":"positive","sentiment_score":0.42518407106399536},{"word":"i'll","start":3288.96,"end":3289.12,"confidence":0.604126,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.50900799036026},{"word":"pop","start":3289.12,"end":3289.28,"confidence":0.96875,"punctuated_word":"pop","sentiment":"positive","sentiment_score":0.5697339773178101},{"word":"a","start":3289.28,"end":3289.44,"confidence":0.9086914,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5081719160079956},{"word":"bit","start":3289.44,"end":3289.6401,"confidence":0.9863281,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4308193922042846},{"word":"pop","start":3289.84,"end":3290.16,"confidence":0.94628906,"punctuated_word":"pop","sentiment":"positive","sentiment_score":0.4557623565196991},{"word":"5","start":3290.16,"end":3290.3599,"confidence":0.87841797,"punctuated_word":"5","sentiment":"positive","sentiment_score":0.4440627694129944},{"word":"on","start":3290.3599,"end":3290.56,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4523487389087677},{"word":"there","start":3290.56,"end":3290.8,"confidence":0.9892578,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.48000839352607727},{"word":"for","start":3290.8,"end":3291.04,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4880863130092621},{"word":"you","start":3291.04,"end":3291.54,"confidence":0.93847656,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.40498435497283936},{"word":"all","start":3291.68,"end":3291.72,"confidence":0.9472656,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.7281240224838257},{"word":"good","start":3291.72,"end":3291.76,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5853852033615112},{"word":"and","start":3291.76,"end":3292.26,"confidence":0.8461914,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1535220593214035},{"word":"do","start":3293.44,"end":3293.68,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1131613552570343},{"word":"you","start":3293.68,"end":3293.84,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1562051624059677},{"word":"happen","start":3293.84,"end":3294.34,"confidence":0.99902344,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.15293937921524048},{"word":"to","start":3294.56,"end":3294.8,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1591833084821701},{"word":"know","start":3294.8,"end":3295.12,"confidence":0.9863281,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.08608575910329819},{"word":"if","start":3295.12,"end":3295.36,"confidence":0.6928711,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08158396184444427},{"word":"you're","start":3295.36,"end":3295.52,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09352847933769226},{"word":"able","start":3295.52,"end":3295.92,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.09325000643730164},{"word":"to","start":3295.92,"end":3296.42,"confidence":0.8041992,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.0723557099699974},{"word":"are","start":3296.8,"end":3296.96,"confidence":0.8588867,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06173248216509819},{"word":"you","start":3296.96,"end":3297.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07705049961805344},{"word":"able","start":3297.2,"end":3297.52,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.08018630743026733},{"word":"to","start":3297.52,"end":3297.76,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08849852532148361},{"word":"access","start":3297.76,"end":3298.26,"confidence":0.9375,"punctuated_word":"access,","sentiment":"neutral","sentiment_score":0.06766648590564728},{"word":"like","start":3298.56,"end":3298.8,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0849316269159317},{"word":"an","start":3298.8,"end":3299.04,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10249702632427216},{"word":"income","start":3299.04,"end":3299.54,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.16429564356803894},{"word":"or","start":3299.6,"end":3300.1,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09382295608520508},{"word":"an","start":3300.375,"end":3300.535,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.12105023860931396},{"word":"asset","start":3300.535,"end":3301.015,"confidence":0.99121094,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.11930423974990843},{"word":"statement","start":3301.015,"end":3301.495,"confidence":1.0,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.13992436230182648},{"word":"from","start":3301.495,"end":3301.815,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.07007996737957001},{"word":"centrelink","start":3301.815,"end":3302.315,"confidence":0.9757487,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":0.13591477274894714},{"word":"that","start":3302.455,"end":3302.695,"confidence":0.8881836,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10705766826868056},{"word":"sort","start":3302.695,"end":3302.855,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08522708714008331},{"word":"of","start":3302.855,"end":3303.015,"confidence":0.8339844,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09180712699890135},{"word":"shows","start":3303.015,"end":3303.335,"confidence":0.99902344,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.06683319807052612},{"word":"what","start":3303.335,"end":3303.575,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10144735127687454},{"word":"they","start":3303.575,"end":3303.735,"confidence":0.9921875,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07719464600086212},{"word":"have","start":3303.735,"end":3303.975,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0752604752779007},{"word":"your","start":3303.975,"end":3304.215,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07993516325950623},{"word":"assets","start":3304.215,"end":3304.695,"confidence":0.9970703,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.07336464524269104},{"word":"noted","start":3304.695,"end":3305.015,"confidence":0.95703125,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.08959462493658066},{"word":"as","start":3305.015,"end":3305.2551,"confidence":0.96728516,"punctuated_word":"as?","sentiment":"neutral","sentiment_score":0.06614819169044495},{"word":"do","start":3305.2551,"end":3305.415,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.04756537824869156},{"word":"you","start":3305.415,"end":3305.495,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05509400367736816},{"word":"know","start":3305.495,"end":3305.655,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.04455193877220154},{"word":"how","start":3305.655,"end":3305.895,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.04495162516832352},{"word":"to","start":3305.895,"end":3305.975,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.050316303968429565},{"word":"get","start":3305.975,"end":3306.135,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03933608531951904},{"word":"that","start":3306.135,"end":3306.295,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07132478803396225},{"word":"from","start":3306.295,"end":3306.455,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.038269367069005966},{"word":"your","start":3306.455,"end":3306.615,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04784540832042694},{"word":"mygov","start":3306.615,"end":3307.095,"confidence":0.7680664,"punctuated_word":"myGov","sentiment":"neutral","sentiment_score":0.05867231637239456},{"word":"account","start":3307.095,"end":3307.415,"confidence":0.90600586,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.057314351201057434},{"word":"or","start":3307.415,"end":3307.655,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04167047142982483},{"word":"do","start":3307.655,"end":3307.815,"confidence":0.61083984,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.053453072905540466},{"word":"you","start":3307.815,"end":3307.975,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.051929306238889694},{"word":"have","start":3307.975,"end":3308.135,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03228677809238434},{"word":"one","start":3308.135,"end":3308.375,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0509050115942955},{"word":"handy","start":3308.375,"end":3308.775,"confidence":1.0,"punctuated_word":"handy","sentiment":"neutral","sentiment_score":0.03254567086696625},{"word":"at","start":3308.775,"end":3308.855,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.027578230947256088},{"word":"all","start":3308.855,"end":3309.355,"confidence":0.9995117,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.017849834635853767},{"word":"no","start":3313.0298,"end":3313.27,"confidence":0.99609375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11967774480581284},{"word":"that's","start":3313.27,"end":3313.5898,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.04724104329943657},{"word":"okay","start":3313.5898,"end":3314.0898,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.01853688433766365},{"word":"do","start":3314.63,"end":3314.7898,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.003519110381603241},{"word":"you","start":3314.7898,"end":3314.95,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01092853769659996},{"word":"know","start":3314.95,"end":3315.45,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.00988713651895523},{"word":"roughly","start":3315.51,"end":3315.91,"confidence":0.9658203,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.001354645937681198},{"word":"what","start":3315.91,"end":3316.23,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.00932629592716694},{"word":"they","start":3316.23,"end":3316.39,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.008291402831673622},{"word":"have","start":3316.39,"end":3316.89,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.008384499698877335},{"word":"as","start":3317.43,"end":3317.8298,"confidence":0.8076172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.003933560103178024},{"word":"your","start":3317.8298,"end":3318.3298,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0056561678647994995},{"word":"assets","start":3319.27,"end":3319.77,"confidence":0.9760742,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.00295841321349144},{"word":"noted","start":3319.99,"end":3320.49,"confidence":0.99902344,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":-0.0024816785007715225},{"word":"on","start":3320.7898,"end":3321.0298,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.006713123992085457},{"word":"centrelink","start":3321.0298,"end":3321.5298,"confidence":0.96533203,"punctuated_word":"Centrelink?","sentiment":"neutral","sentiment_score":0.002937791869044304},{"word":"do","start":3321.5898,"end":3321.75,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.005263183265924454},{"word":"you","start":3321.75,"end":3321.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010757863521575928},{"word":"have","start":3321.91,"end":3322.23,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.005235426127910614},{"word":"do","start":3322.39,"end":3322.5498,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.001502927392721176},{"word":"you","start":3322.5498,"end":3322.63,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0026379600167274475},{"word":"know","start":3322.63,"end":3322.7898,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0006230529397726059},{"word":"what","start":3322.7898,"end":3322.95,"confidence":0.99316406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.003676794469356537},{"word":"they","start":3322.95,"end":3323.1099,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.006606997922062874},{"word":"have","start":3323.1099,"end":3323.51,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.004891550168395042},{"word":"or","start":3323.75,"end":3323.99,"confidence":0.48950195,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":-0.027893751859664917},{"word":"like","start":3323.99,"end":3324.3098,"confidence":0.9880371,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.024841368198394775},{"word":"your","start":3324.3098,"end":3324.47,"confidence":0.9770508,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01800684444606304},{"word":"cars","start":3324.47,"end":3324.8699,"confidence":0.94921875,"punctuated_word":"cars","sentiment":"neutral","sentiment_score":-0.0029322225600481033},{"word":"and","start":3324.8699,"end":3325.3699,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.027364598587155346},{"word":"savings","start":3325.43,"end":3325.8298,"confidence":0.99609375,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":-0.02857179567217827},{"word":"accounts","start":3325.8298,"end":3326.15,"confidence":0.8730469,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":-0.012606472708284857},{"word":"what","start":3326.15,"end":3326.39,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.011529579758644104},{"word":"they","start":3326.39,"end":3326.47,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.009411484003067017},{"word":"have","start":3326.47,"end":3326.71,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01728340983390808},{"word":"noted","start":3326.71,"end":3327.21,"confidence":0.99853516,"punctuated_word":"noted?","sentiment":"neutral","sentiment_score":-0.014193760231137276},{"word":"it","start":3332.915,"end":3333.2349,"confidence":0.9873047,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.017244091257452965},{"word":"would","start":3333.2349,"end":3333.4749,"confidence":0.98828125,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.029219895601272583},{"word":"yeah","start":3333.7148,"end":3334.035,"confidence":0.99121094,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.020558256655931473},{"word":"it'd","start":3334.035,"end":3334.4348,"confidence":0.7614746,"punctuated_word":"It'd","sentiment":"neutral","sentiment_score":0.017801305279135704},{"word":"be","start":3334.4348,"end":3334.835,"confidence":0.97998047,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.016062716022133827},{"word":"on","start":3334.835,"end":3335.2349,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.008945150300860405},{"word":"it's","start":3335.555,"end":3335.875,"confidence":0.9921875,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.009625867009162905},{"word":"probably","start":3335.875,"end":3336.1948,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.0031740739941596985},{"word":"more","start":3336.1948,"end":3336.355,"confidence":0.9970703,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.010853519663214684},{"word":"on","start":3336.355,"end":3336.515,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.009047826752066612},{"word":"frank's","start":3336.515,"end":3336.915,"confidence":0.97680664,"punctuated_word":"Frank's","sentiment":"neutral","sentiment_score":0.0007986215641722083},{"word":"mygov","start":3336.915,"end":3337.395,"confidence":0.78125,"punctuated_word":"myGov","sentiment":"neutral","sentiment_score":0.0022209647577255964},{"word":"because","start":3337.395,"end":3337.795,"confidence":0.82373047,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.01042678952217102},{"word":"he's","start":3337.795,"end":3338.035,"confidence":0.9980469,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.017030425369739532},{"word":"the","start":3338.035,"end":3338.1948,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007221177220344544},{"word":"one","start":3338.1948,"end":3338.275,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.02220805734395981},{"word":"that's","start":3338.275,"end":3338.515,"confidence":0.93408203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.023242857307195663},{"word":"actually","start":3338.515,"end":3338.915,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.023364566266536713},{"word":"applied","start":3338.915,"end":3339.395,"confidence":1.0,"punctuated_word":"applied","sentiment":"neutral","sentiment_score":0.026002146303653717},{"word":"for","start":3339.395,"end":3339.635,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02162955142557621},{"word":"it","start":3339.635,"end":3340.135,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.01950223557651043},{"word":"do","start":3340.4348,"end":3340.675,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.016179902479052544},{"word":"you","start":3340.675,"end":3340.915,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02191137708723545},{"word":"know","start":3340.915,"end":3341.155,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.015188278630375862},{"word":"how","start":3341.155,"end":3341.315,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.010256435722112656},{"word":"to","start":3341.315,"end":3341.4749,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.013874741271138191},{"word":"log","start":3341.4749,"end":3341.7148,"confidence":0.98535156,"punctuated_word":"log","sentiment":"neutral","sentiment_score":0.004968628287315369},{"word":"in","start":3341.7148,"end":3341.875,"confidence":0.94384766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.012022815644741058},{"word":"to","start":3341.875,"end":3342.035,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01499037817120552},{"word":"your","start":3342.035,"end":3342.355,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01153450645506382},{"word":"mygov","start":3342.355,"end":3342.855,"confidence":0.9873047,"punctuated_word":"myGov?","sentiment":"neutral","sentiment_score":0.014299660921096802},{"word":"you","start":3343.28,"end":3343.44,"confidence":0.98095703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0018047355115413664},{"word":"log","start":3343.44,"end":3343.5999,"confidence":0.9404297,"punctuated_word":"log","sentiment":"neutral","sentiment_score":0.007303319871425629},{"word":"in","start":3343.5999,"end":3343.68,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.018093973398208615},{"word":"pretty","start":3343.68,"end":3344.0798,"confidence":0.9941406,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.011338740587234495},{"word":"you","start":3344.4,"end":3344.72,"confidence":0.6040039,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0004235170781612396},{"word":"should","start":3344.72,"end":3344.88,"confidence":0.4724121,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.018817100673913956},{"word":"would","start":3345.04,"end":3345.28,"confidence":0.86621094,"punctuated_word":"would,","sentiment":"neutral","sentiment_score":-0.004056895151734352},{"word":"wouldn't","start":3345.28,"end":3345.52,"confidence":0.9926758,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.002754962770268321},{"word":"you","start":3345.52,"end":3345.68,"confidence":0.734375,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.002452431246638298},{"word":"because","start":3345.68,"end":3345.92,"confidence":0.9472656,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.0024002045392990112},{"word":"you","start":3345.92,"end":3346.4,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0005181720480322838},{"word":"report","start":3346.4,"end":3346.9,"confidence":0.96533203,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.0033415518701076508},{"word":"yeah","start":3350.24,"end":3350.74,"confidence":0.9904785,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.10576986521482468},{"word":"if","start":3350.8,"end":3351.1199,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.11266948282718658},{"word":"i","start":3351.1199,"end":3351.6199,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09505121409893036},{"word":"send","start":3351.76,"end":3352.0798,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.07407630980014801},{"word":"an","start":3352.0798,"end":3352.32,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.066816046833992},{"word":"email","start":3352.32,"end":3352.82,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.06149430572986603},{"word":"afterwards","start":3352.88,"end":3353.38,"confidence":0.9892578,"punctuated_word":"afterwards","sentiment":"neutral","sentiment_score":0.07246461510658264},{"word":"just","start":3353.5999,"end":3353.8398,"confidence":0.69433594,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10506684333086014},{"word":"with","start":3353.8398,"end":3354.0798,"confidence":0.61279297,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09043842554092409},{"word":"a","start":3354.0798,"end":3354.16,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07691974937915802},{"word":"little","start":3354.16,"end":3354.48,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.06878705322742462},{"word":"bit","start":3354.48,"end":3354.72,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05502700060606003},{"word":"of","start":3354.72,"end":3355.22,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.050746820867061615},{"word":"a","start":3355.3599,"end":3355.52,"confidence":0.70166016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04852493852376938},{"word":"direction","start":3355.52,"end":3356.0,"confidence":1.0,"punctuated_word":"direction","sentiment":"neutral","sentiment_score":0.04199915379285813},{"word":"on","start":3356.0,"end":3356.16,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06151356548070907},{"word":"how","start":3356.16,"end":3356.4,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.053176943212747574},{"word":"to","start":3356.4,"end":3356.56,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04398886114358902},{"word":"get","start":3356.56,"end":3356.8,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.036013130098581314},{"word":"that","start":3356.8,"end":3357.165,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06819617748260498},{"word":"statement","start":3357.325,"end":3357.825,"confidence":0.9250488,"punctuated_word":"statement,","sentiment":"neutral","sentiment_score":0.09304451942443848},{"word":"would","start":3358.045,"end":3358.2852,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07953649759292603},{"word":"you","start":3358.2852,"end":3358.5251,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09165176749229433},{"word":"be","start":3358.5251,"end":3358.685,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10334447026252748},{"word":"able","start":3358.685,"end":3359.0051,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.09065820276737212},{"word":"to","start":3359.0051,"end":3359.5051,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08424556255340576},{"word":"grab","start":3360.045,"end":3360.2852,"confidence":1.0,"punctuated_word":"grab","sentiment":"neutral","sentiment_score":0.088015615940094},{"word":"one","start":3360.2852,"end":3360.445,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07165969908237457},{"word":"of","start":3360.445,"end":3360.5251,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09482374787330627},{"word":"those","start":3360.5251,"end":3360.845,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.08484876900911331},{"word":"statements","start":3360.845,"end":3361.345,"confidence":0.99902344,"punctuated_word":"statements","sentiment":"neutral","sentiment_score":0.07345592975616455},{"word":"and","start":3361.405,"end":3361.725,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0909549444913864},{"word":"forward","start":3361.725,"end":3362.045,"confidence":0.99609375,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.056124620139598846},{"word":"it","start":3362.045,"end":3362.205,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09959276020526886},{"word":"through","start":3362.205,"end":3362.445,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06368124485015869},{"word":"to","start":3362.445,"end":3362.5251,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08487753570079803},{"word":"me","start":3362.5251,"end":3362.7651,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.09569649398326874},{"word":"just","start":3362.7651,"end":3363.085,"confidence":0.95410156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10167191177606584},{"word":"so","start":3363.085,"end":3363.165,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08400063961744308},{"word":"i","start":3363.165,"end":3363.325,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11186442524194716},{"word":"can","start":3363.325,"end":3363.485,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09543989598751068},{"word":"use","start":3363.485,"end":3363.645,"confidence":1.0,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.09581980109214784},{"word":"that","start":3363.645,"end":3363.885,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10657410323619844},{"word":"for","start":3363.885,"end":3364.045,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07596428692340851},{"word":"the","start":3364.045,"end":3364.205,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08124987781047821},{"word":"research","start":3364.205,"end":3364.705,"confidence":0.9970703,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.08123646676540375},{"word":"for","start":3364.7651,"end":3365.0051,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04446960613131523},{"word":"you","start":3365.0051,"end":3365.5051,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024243108928203583},{"word":"for","start":3365.645,"end":3365.805,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03537551313638687},{"word":"the","start":3365.805,"end":3366.045,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03667214512825012},{"word":"plan","start":3366.045,"end":3366.545,"confidence":0.9946289,"punctuated_word":"plan?","sentiment":"neutral","sentiment_score":0.03446841239929199},{"word":"yeah","start":3368.5251,"end":3368.925,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00434831902384758},{"word":"if","start":3368.925,"end":3369.085,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.0927557423710823},{"word":"it's","start":3369.085,"end":3369.405,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1082637757062912},{"word":"too","start":3369.405,"end":3369.645,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.16192957758903503},{"word":"much","start":3369.645,"end":3369.965,"confidence":0.9980469,"punctuated_word":"much,","sentiment":"neutral","sentiment_score":-0.15638884902000427},{"word":"let","start":3369.965,"end":3370.205,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.18078549206256864},{"word":"me","start":3370.205,"end":3370.365,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.14327754080295563},{"word":"know","start":3370.365,"end":3370.865,"confidence":0.99658203,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.14789533615112305},{"word":"is","start":3376.59,"end":3376.83,"confidence":0.98535156,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.026548253372311592},{"word":"it","start":3376.83,"end":3376.99,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0005492530763149261},{"word":"easier","start":3376.99,"end":3377.31,"confidence":0.7729492,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":-0.01850602775812149},{"word":"if","start":3377.31,"end":3377.3901,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0035427622497081757},{"word":"i","start":3377.3901,"end":3377.55,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008827567100524902},{"word":"send","start":3377.55,"end":3377.71,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":-0.019464068114757534},{"word":"you","start":3377.71,"end":3377.87,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.027702417224645615},{"word":"an","start":3377.87,"end":3377.95,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.03772470727562904},{"word":"email","start":3377.95,"end":3378.27,"confidence":0.8798828,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":-0.026636335998773575},{"word":"or","start":3378.27,"end":3378.35,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03264429792761803},{"word":"is","start":3378.35,"end":3378.51,"confidence":0.9892578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.024171769618988037},{"word":"it","start":3378.51,"end":3378.67,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.00945506989955902},{"word":"easier","start":3378.67,"end":3378.9102,"confidence":0.91748047,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":-0.014617089182138445},{"word":"if","start":3378.9102,"end":3378.99,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03571328520774841},{"word":"i","start":3378.99,"end":3379.1501,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.030928093940019608},{"word":"try","start":3379.1501,"end":3379.31,"confidence":0.9267578,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.0620708167552948},{"word":"to","start":3379.31,"end":3379.47,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.039699994027614594},{"word":"direct","start":3379.47,"end":3379.79,"confidence":0.98095703,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":-0.037928372621536255},{"word":"you","start":3379.79,"end":3379.95,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.033126600086688995},{"word":"through","start":3379.95,"end":3380.19,"confidence":0.9921875,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.020471010357141495},{"word":"now","start":3380.19,"end":3380.43,"confidence":0.98461914,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":-0.027873681858181953},{"word":"what","start":3380.43,"end":3380.59,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.04722156375646591},{"word":"would","start":3380.59,"end":3380.83,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.023677386343479156},{"word":"be","start":3380.83,"end":3380.99,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.01256638765335083},{"word":"better","start":3380.99,"end":3381.1501,"confidence":0.9838867,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.011457808315753937},{"word":"for","start":3381.1501,"end":3381.47,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.006236959248781204},{"word":"both","start":3381.47,"end":3381.71,"confidence":0.9633789,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.00499957799911499},{"word":"of","start":3381.71,"end":3381.79,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0060019344091415405},{"word":"you","start":3381.79,"end":3381.95,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005756966769695282},{"word":"guys","start":3381.95,"end":3382.45,"confidence":0.9885254,"punctuated_word":"guys?","sentiment":"neutral","sentiment_score":0.020140716806054115},{"word":"yes","start":3385.325,"end":3385.825,"confidence":0.7722168,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01903422549366951},{"word":"yeah","start":3386.605,"end":3387.105,"confidence":0.873291,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.046473465859889984},{"word":"no","start":3387.325,"end":3387.825,"confidence":0.95874023,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11496835947036745},{"word":"no","start":3388.605,"end":3389.105,"confidence":0.9838867,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.20490479469299316},{"word":"no","start":3391.005,"end":3391.165,"confidence":0.8979492,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14657250046730042},{"word":"no","start":3391.165,"end":3391.2449,"confidence":0.7480469,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08115945011377335},{"word":"that's","start":3391.2449,"end":3391.565,"confidence":0.9338379,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7569773197174072},{"word":"absolutely","start":3391.565,"end":3392.065,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.6783685684204102},{"word":"fine","start":3392.125,"end":3392.365,"confidence":1.0,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.6099593639373779},{"word":"i'll","start":3392.365,"end":3392.525,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.27763286232948303},{"word":"send","start":3392.525,"end":3392.6848,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2934732139110565},{"word":"you","start":3392.6848,"end":3392.925,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26172277331352234},{"word":"an","start":3392.925,"end":3393.085,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1865253746509552},{"word":"email","start":3393.085,"end":3393.405,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.18708059191703796},{"word":"with","start":3393.405,"end":3393.565,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21572460234165192},{"word":"a","start":3393.565,"end":3393.645,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23319044709205627},{"word":"breakdown","start":3393.645,"end":3394.125,"confidence":1.0,"punctuated_word":"breakdown","sentiment":"neutral","sentiment_score":0.16435547173023224},{"word":"of","start":3394.125,"end":3394.285,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.175680473446846},{"word":"what","start":3394.285,"end":3394.4448,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1370442509651184},{"word":"to","start":3394.4448,"end":3394.605,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11384452879428864},{"word":"do","start":3394.605,"end":3394.845,"confidence":0.9980469,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.12790018320083618},{"word":"if","start":3394.845,"end":3395.085,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.01362607255578041},{"word":"you","start":3395.085,"end":3395.2449,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04074342921376228},{"word":"find","start":3395.2449,"end":3395.4849,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.070014089345932},{"word":"it","start":3395.4849,"end":3395.645,"confidence":0.9760742,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.042426809668540955},{"word":"difficult","start":3395.645,"end":3396.125,"confidence":0.99902344,"punctuated_word":"difficult","sentiment":"neutral","sentiment_score":-0.15852253139019012},{"word":"or","start":3396.125,"end":3396.365,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1879347860813141},{"word":"struggle","start":3396.365,"end":3396.845,"confidence":0.97631836,"punctuated_word":"struggle,","sentiment":"neutral","sentiment_score":-0.1646125763654709},{"word":"let","start":3396.845,"end":3397.085,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.06776437163352966},{"word":"me","start":3397.085,"end":3397.2449,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.036758773028850555},{"word":"know","start":3397.2449,"end":3397.7449,"confidence":0.99560547,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.04953782632946968},{"word":"we","start":3398.21,"end":3398.3699,"confidence":0.9941406,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.014678247272968292},{"word":"can","start":3398.3699,"end":3398.5298,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.007533129304647446},{"word":"always","start":3398.5298,"end":3398.8499,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.02440302073955536},{"word":"look","start":3398.8499,"end":3399.0898,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.01424388587474823},{"word":"at","start":3399.0898,"end":3399.17,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.006697274744510651},{"word":"doing","start":3399.17,"end":3399.49,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.011688806116580963},{"word":"another","start":3399.49,"end":3399.73,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.029373303055763245},{"word":"option","start":3399.73,"end":3400.13,"confidence":1.0,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":0.037194520235061646},{"word":"i","start":3400.13,"end":3400.21,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07577729970216751},{"word":"just","start":3400.21,"end":3400.3699,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06787168979644775},{"word":"wanted","start":3400.3699,"end":3400.6099,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.0757765918970108},{"word":"to","start":3400.6099,"end":3400.69,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.058899860829114914},{"word":"make","start":3400.69,"end":3400.93,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.03716117516160011},{"word":"sure","start":3400.93,"end":3401.0898,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.056512270122766495},{"word":"that","start":3401.0898,"end":3401.3298,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06639281660318375},{"word":"when","start":3401.3298,"end":3401.49,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0734797790646553},{"word":"we","start":3401.49,"end":3401.65,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08209122717380524},{"word":"are","start":3401.65,"end":3401.89,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08577439934015274},{"word":"factoring","start":3401.89,"end":3402.2898,"confidence":1.0,"punctuated_word":"factoring","sentiment":"neutral","sentiment_score":0.07268904149532318},{"word":"in","start":3402.2898,"end":3402.45,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07213817536830902},{"word":"centrelink","start":3402.45,"end":3402.95,"confidence":0.9532878,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":0.0653735026717186},{"word":"that","start":3403.01,"end":3403.17,"confidence":0.64746094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08530375361442566},{"word":"we","start":3403.17,"end":3403.41,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08994144201278687},{"word":"understand","start":3403.41,"end":3403.91,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.08494800329208374},{"word":"what","start":3403.97,"end":3404.13,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07474298775196075},{"word":"they","start":3404.13,"end":3404.3699,"confidence":0.9902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.04639836400747299},{"word":"have","start":3404.3699,"end":3404.8699,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03143516182899475},{"word":"for","start":3405.8098,"end":3406.0498,"confidence":0.95947266,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07024494558572769},{"word":"assets","start":3406.0498,"end":3406.45,"confidence":0.9838867,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.05342908203601837},{"word":"and","start":3406.45,"end":3406.69,"confidence":0.96435547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05669555813074112},{"word":"income","start":3406.69,"end":3407.01,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.03615196421742439},{"word":"and","start":3407.01,"end":3407.25,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04538886621594429},{"word":"liabilities","start":3407.25,"end":3407.75,"confidence":0.97924805,"punctuated_word":"liabilities.","sentiment":"neutral","sentiment_score":0.058796226978302},{"word":"that","start":3408.0498,"end":3408.2898,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.09278234094381332},{"word":"way","start":3408.2898,"end":3408.7898,"confidence":0.8430176,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.1159989982843399},{"word":"i","start":3409.17,"end":3409.25,"confidence":0.9580078,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12804798781871796},{"word":"can","start":3409.25,"end":3409.41,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09911147505044936},{"word":"work","start":3409.41,"end":3409.73,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.08619973063468933},{"word":"on","start":3409.73,"end":3409.89,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1391960233449936},{"word":"the","start":3409.89,"end":3410.0498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1165369600057602},{"word":"same","start":3410.0498,"end":3410.3699,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.10778219252824783},{"word":"figures","start":3410.3699,"end":3410.8499,"confidence":0.97265625,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.08619807660579681},{"word":"for","start":3410.8499,"end":3411.0898,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10137610882520676},{"word":"you","start":3411.0898,"end":3411.49,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.060631345957517624},{"word":"okay","start":3411.49,"end":3411.99,"confidence":0.9458008,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.05226762592792511},{"word":"yep","start":3412.9749,"end":3413.4749,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2524246871471405},{"word":"perfect","start":3413.855,"end":3414.355,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6777271032333374},{"word":"beautiful","start":3414.815,"end":3415.315,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7141305208206177},{"word":"i","start":3416.415,"end":3416.575,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4085382223129273},{"word":"have","start":3416.575,"end":3416.895,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2921590209007263},{"word":"done","start":3416.895,"end":3417.135,"confidence":0.5527344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2686004936695099},{"word":"here","start":3417.135,"end":3417.455,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.3332553803920746},{"word":"contents","start":3417.455,"end":3417.955,"confidence":0.6542969,"punctuated_word":"contents,","sentiment":"neutral","sentiment_score":0.2879231572151184},{"word":"roughly","start":3418.4949,"end":3418.895,"confidence":1.0,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.1386488676071167},{"word":"about","start":3418.895,"end":3419.2148,"confidence":0.8154297,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.18131673336029053},{"word":"25,000","start":3419.2148,"end":3420.335,"confidence":0.9996745,"punctuated_word":"25,000","sentiment":"neutral","sentiment_score":0.20698213577270508},{"word":"value","start":3420.335,"end":3420.815,"confidence":0.9980469,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.1828194558620453},{"word":"of","start":3420.815,"end":3420.9749,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2366793155670166},{"word":"contents","start":3420.9749,"end":3421.4749,"confidence":0.88842773,"punctuated_word":"contents.","sentiment":"neutral","sentiment_score":0.18752020597457889},{"word":"would","start":3421.615,"end":3421.775,"confidence":0.9941406,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.09171675890684128},{"word":"you","start":3421.775,"end":3422.015,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12698736786842346},{"word":"increase","start":3422.015,"end":3422.4949,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.15477906167507172},{"word":"that","start":3422.4949,"end":3422.655,"confidence":0.8864746,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.15522480010986328},{"word":"got","start":3422.655,"end":3422.895,"confidence":0.46850586,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.03259967640042305},{"word":"any","start":3422.895,"end":3423.395,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.031475573778152466},{"word":"big","start":3423.455,"end":3423.615,"confidence":0.99609375,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.03311105817556381},{"word":"collections","start":3423.615,"end":3424.115,"confidence":0.99902344,"punctuated_word":"collections","sentiment":"neutral","sentiment_score":0.0535263791680336},{"word":"recently","start":3424.335,"end":3424.7349,"confidence":0.99902344,"punctuated_word":"recently","sentiment":"neutral","sentiment_score":0.01301630213856697},{"word":"that","start":3424.7349,"end":3424.895,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0363655686378479},{"word":"you","start":3424.895,"end":3425.055,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03394355624914169},{"word":"wanna","start":3425.055,"end":3425.375,"confidence":0.9902344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0590568482875824},{"word":"maybe","start":3425.375,"end":3425.695,"confidence":0.96777344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.06287678331136703},{"word":"note","start":3425.695,"end":3426.015,"confidence":0.99609375,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.07662288099527359},{"word":"down","start":3426.015,"end":3426.335,"confidence":0.73547363,"punctuated_word":"down?","sentiment":"neutral","sentiment_score":0.052662041038274765},{"word":"or","start":3426.335,"end":3426.835,"confidence":0.9951172,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.008119890466332436},{"word":"no","start":3428.77,"end":3429.27,"confidence":0.85131836,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05976426973938942},{"word":"yep","start":3430.77,"end":3431.27,"confidence":0.9758301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20293563604354856},{"word":"that's","start":3431.41,"end":3431.8098,"confidence":0.9838867,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3874240517616272},{"word":"okay","start":3431.8098,"end":3432.3098,"confidence":0.99560547,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.377180814743042},{"word":"all","start":3432.53,"end":3432.8499,"confidence":0.98828125,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.6064276099205017},{"word":"good","start":3432.8499,"end":3433.3499,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4936637282371521},{"word":"other","start":3434.3699,"end":3434.6099,"confidence":0.8222656,"punctuated_word":"Other","sentiment":"neutral","sentiment_score":0.1408977508544922},{"word":"than","start":3434.6099,"end":3434.93,"confidence":0.984375,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.039783332496881485},{"word":"that","start":3434.93,"end":3435.43,"confidence":0.9916992,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.06850343942642212},{"word":"you","start":3435.97,"end":3436.21,"confidence":0.9482422,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05515867099165917},{"word":"mentioned","start":3436.21,"end":3436.53,"confidence":0.99316406,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.0596313513815403},{"word":"that","start":3436.53,"end":3436.69,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02829158306121826},{"word":"you're","start":3436.69,"end":3436.8499,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05186137557029724},{"word":"putting","start":3436.8499,"end":3437.3499,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.09014102071523666},{"word":"about","start":3437.49,"end":3437.73,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05578937381505966},{"word":"$800","start":3437.73,"end":3438.53,"confidence":1.0,"punctuated_word":"$800","sentiment":"neutral","sentiment_score":0.11483554542064668},{"word":"away","start":3438.53,"end":3438.93,"confidence":0.99609375,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.12854045629501343},{"word":"on","start":3438.93,"end":3439.01,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12021008133888245},{"word":"a","start":3439.01,"end":3439.17,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11383944004774094},{"word":"fortnightly","start":3439.17,"end":3439.67,"confidence":0.99560547,"punctuated_word":"fortnightly","sentiment":"neutral","sentiment_score":0.05164299905300141},{"word":"basis","start":3439.73,"end":3440.13,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.0880538821220398},{"word":"to","start":3440.13,"end":3440.295,"confidence":0.94140625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08693651109933853},{"word":"cover","start":3440.295,"end":3440.615,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.1119585782289505},{"word":"those","start":3440.615,"end":3440.775,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0912226215004921},{"word":"bills","start":3440.775,"end":3441.1748,"confidence":1.0,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":0.08283237367868423},{"word":"and","start":3441.1748,"end":3441.415,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0701499879360199},{"word":"things","start":3441.415,"end":3441.7349,"confidence":0.9812012,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.0340532511472702},{"word":"are","start":3441.7349,"end":3441.9749,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.00030120834708213806},{"word":"you","start":3441.9749,"end":3442.2148,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030358988791704174},{"word":"managing","start":3442.2148,"end":3442.615,"confidence":1.0,"punctuated_word":"managing","sentiment":"neutral","sentiment_score":0.04221105948090553},{"word":"to","start":3442.615,"end":3442.775,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04722350835800171},{"word":"put","start":3442.775,"end":3443.015,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.07716356217861176},{"word":"anything","start":3443.015,"end":3443.415,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.0573158785700798},{"word":"into","start":3443.415,"end":3443.655,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06174515187740326},{"word":"a","start":3443.655,"end":3443.7349,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.041850604116916656},{"word":"bit","start":3443.7349,"end":3443.895,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.056320659816265106},{"word":"of","start":3443.895,"end":3443.9749,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0525059774518013},{"word":"a","start":3443.9749,"end":3444.135,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04023134335875511},{"word":"savings","start":3444.135,"end":3444.615,"confidence":0.9873047,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.033360131084918976},{"word":"account","start":3444.615,"end":3445.015,"confidence":0.91674805,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.024498943239450455},{"word":"or","start":3445.015,"end":3445.1748,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.005752734839916229},{"word":"is","start":3445.1748,"end":3445.415,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.007592659443616867},{"word":"everything","start":3445.415,"end":3445.895,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.03663668408989906},{"word":"that","start":3445.895,"end":3446.055,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.027137022465467453},{"word":"you're","start":3446.055,"end":3446.295,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.02248559519648552},{"word":"earning","start":3446.295,"end":3446.6948,"confidence":1.0,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.05283047258853912},{"word":"going","start":3446.6948,"end":3447.015,"confidence":0.9980469,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.03260742127895355},{"word":"out","start":3447.015,"end":3447.255,"confidence":0.9921875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.057784564793109894},{"word":"towards","start":3447.255,"end":3447.755,"confidence":0.9980469,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.06276576220989227},{"word":"bills","start":3448.375,"end":3448.6948,"confidence":0.9970703,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":0.06461760401725769},{"word":"and","start":3448.6948,"end":3448.9348,"confidence":0.8618164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.024975087493658062},{"word":"expenses","start":3448.9348,"end":3449.4348,"confidence":1.0,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.05284120514988899},{"word":"and","start":3449.655,"end":3450.155,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0227939635515213},{"word":"and","start":3450.375,"end":3450.615,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014314156025648115},{"word":"rates","start":3450.615,"end":3450.9348,"confidence":0.9707031,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":0.03929762542247772},{"word":"and","start":3450.9348,"end":3451.1748,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02007522433996201},{"word":"things","start":3451.1748,"end":3451.4949,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.012095559388399124},{"word":"like","start":3451.4949,"end":3451.655,"confidence":0.9873047,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0064372047781944275},{"word":"that","start":3451.655,"end":3451.9749,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012905877083539965},{"word":"insurances","start":3451.9749,"end":3452.4749,"confidence":0.9173177,"punctuated_word":"insurances?","sentiment":"neutral","sentiment_score":0.024190396070480347},{"word":"okay","start":3462.1802,"end":3462.6802,"confidence":0.78466797,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0021267998963594437},{"word":"yep","start":3476.115,"end":3476.615,"confidence":0.7546387,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02919328771531582},{"word":"okay","start":3477.4102,"end":3477.9102,"confidence":0.8586426,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.005125705152750015},{"word":"okay","start":3479.8901,"end":3480.3901,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.036477889865636826},{"word":"yeah","start":3484.53,"end":3485.03,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01075657643377781},{"word":"with","start":3486.05,"end":3486.55,"confidence":0.9614258,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.0068749114871025085},{"word":"the","start":3486.77,"end":3487.01,"confidence":0.9277344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005342923104763031},{"word":"funeral","start":3487.01,"end":3487.51,"confidence":0.3779297,"punctuated_word":"funeral,","sentiment":"neutral","sentiment_score":-0.01800542324781418},{"word":"realistically","start":3487.6501,"end":3488.1501,"confidence":0.9680176,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.007060091011226177},{"word":"with","start":3489.25,"end":3489.49,"confidence":0.7133789,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.015696723014116287},{"word":"centrelink","start":3489.49,"end":3489.99,"confidence":0.9086914,"punctuated_word":"Centrelink,","sentiment":"neutral","sentiment_score":0.03365398570895195},{"word":"that","start":3490.485,"end":3490.985,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01885165646672249},{"word":"because","start":3491.125,"end":3491.3652,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.021456561982631683},{"word":"that's","start":3491.3652,"end":3491.5251,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.026135874912142754},{"word":"just","start":3491.5251,"end":3491.7651,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.024741649627685547},{"word":"the","start":3491.7651,"end":3491.925,"confidence":0.73876953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029233865439891815},{"word":"bank","start":3491.925,"end":3492.165,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.03730563074350357},{"word":"account","start":3492.165,"end":3492.405,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.02258481457829475},{"word":"that","start":3492.405,"end":3492.5652,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03696075081825256},{"word":"you've","start":3492.5652,"end":3492.8052,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.032512761652469635},{"word":"opened","start":3492.8052,"end":3493.125,"confidence":0.98828125,"punctuated_word":"opened","sentiment":"neutral","sentiment_score":0.0454493872821331},{"word":"that","start":3493.125,"end":3493.2852,"confidence":0.7685547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0414176732301712},{"word":"you've","start":3493.2852,"end":3493.445,"confidence":0.9980469,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.03195791691541672},{"word":"called","start":3493.445,"end":3493.8452,"confidence":0.99902344,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.019897304475307465},{"word":"funeral","start":3493.8452,"end":3494.245,"confidence":0.8588867,"punctuated_word":"funeral","sentiment":"neutral","sentiment_score":-0.01869913190603256},{"word":"account","start":3494.245,"end":3494.5652,"confidence":0.99365234,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.018696127459406853},{"word":"is","start":3494.5652,"end":3494.8052,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.04422584921121597},{"word":"that","start":3494.8052,"end":3494.965,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05081860348582268},{"word":"right","start":3494.965,"end":3495.465,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.025818005204200745},{"word":"so","start":3497.8452,"end":3498.0852,"confidence":0.84277344,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.008176837116479874},{"word":"realistically","start":3498.0852,"end":3498.5852,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.00021705529070459304},{"word":"if","start":3498.885,"end":3499.0452,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0052172280848026276},{"word":"they","start":3499.0452,"end":3499.2852,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.021608568727970123},{"word":"find","start":3499.2852,"end":3499.6052,"confidence":0.99902344,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.029033496975898743},{"word":"that","start":3499.6052,"end":3499.8452,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02342154085636139},{"word":"they","start":3499.8452,"end":3500.0852,"confidence":0.7583008,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.03353940695524216},{"word":"will","start":3500.0852,"end":3500.3252,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.02793453261256218},{"word":"consider","start":3500.3252,"end":3500.645,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.043277397751808167},{"word":"that","start":3500.645,"end":3500.885,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.021122336387634277},{"word":"an","start":3500.885,"end":3501.3652,"confidence":0.61865234,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.018327709287405018},{"word":"i'm","start":3501.6052,"end":3501.685,"confidence":0.888916,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04207950830459595},{"word":"sorry","start":3501.685,"end":3502.0051,"confidence":0.91381836,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.05487028509378433},{"word":"an","start":3502.0051,"end":3502.245,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.025881074368953705},{"word":"asset","start":3502.245,"end":3502.745,"confidence":0.9980469,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":-0.0004070028662681579},{"word":"and","start":3503.3652,"end":3503.5251,"confidence":0.72314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.021539904177188873},{"word":"assess","start":3503.5251,"end":3504.0251,"confidence":0.9863281,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":-0.012361526489257812},{"word":"under","start":3504.97,"end":3505.21,"confidence":0.984375,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.003902345895767212},{"word":"both","start":3505.21,"end":3505.29,"confidence":0.9970703,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.011838875710964205},{"word":"the","start":3505.29,"end":3505.61,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004452735185623169},{"word":"assets","start":3505.61,"end":3505.85,"confidence":0.93408203,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.0056272707879543304},{"word":"and","start":3505.85,"end":3506.01,"confidence":0.9375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.007771417498588562},{"word":"the","start":3506.01,"end":3506.1702,"confidence":0.88183594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0006420910358428955},{"word":"incomes","start":3506.1702,"end":3506.6501,"confidence":0.66308594,"punctuated_word":"incomes","sentiment":"neutral","sentiment_score":-0.00243503600358963},{"word":"test","start":3506.6501,"end":3507.1501,"confidence":0.873291,"punctuated_word":"test.","sentiment":"neutral","sentiment_score":-0.024986226111650467},{"word":"are","start":3508.1702,"end":3508.33,"confidence":0.99609375,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.04817856103181839},{"word":"you","start":3508.33,"end":3508.49,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04306116700172424},{"word":"putting","start":3508.49,"end":3508.81,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.02843514457345009},{"word":"that","start":3508.81,"end":3508.97,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.039216749370098114},{"word":"money","start":3508.97,"end":3509.29,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.032971158623695374},{"word":"away","start":3509.29,"end":3509.53,"confidence":1.0,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.028345882892608643},{"word":"purely","start":3509.53,"end":3510.01,"confidence":0.9970703,"punctuated_word":"purely","sentiment":"neutral","sentiment_score":-0.05979878827929497},{"word":"for","start":3510.01,"end":3510.33,"confidence":0.9477539,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.0244772769510746},{"word":"say","start":3510.33,"end":3510.6501,"confidence":0.99902344,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.028416872024536133},{"word":"both","start":3510.6501,"end":3510.8901,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.005063936114311218},{"word":"of","start":3510.8901,"end":3511.05,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.014939934015274048},{"word":"your","start":3511.05,"end":3511.45,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.010076723992824554},{"word":"funerals","start":3511.45,"end":3511.95,"confidence":0.99560547,"punctuated_word":"funerals","sentiment":"neutral","sentiment_score":-0.017061997205018997},{"word":"or","start":3512.33,"end":3512.6501,"confidence":0.94189453,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03426611050963402},{"word":"one","start":3512.6501,"end":3512.81,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.020578738301992416},{"word":"of","start":3512.81,"end":3512.97,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00997716188430786},{"word":"you","start":3512.97,"end":3513.21,"confidence":0.7792969,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.02995501272380352},{"word":"or","start":3513.21,"end":3513.45,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03969243168830872},{"word":"what's","start":3513.45,"end":3513.61,"confidence":0.9970703,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.04396509379148483},{"word":"the","start":3513.61,"end":3513.77,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05224359780550003},{"word":"plan","start":3513.77,"end":3514.09,"confidence":1.0,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":-0.03703254461288452},{"word":"with","start":3514.09,"end":3514.25,"confidence":0.95410156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.033017657697200775},{"word":"that","start":3514.25,"end":3514.4102,"confidence":0.984375,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.03242725878953934},{"word":"is","start":3514.4102,"end":3514.57,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.045171067118644714},{"word":"it","start":3514.57,"end":3514.73,"confidence":0.97314453,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03462038189172745},{"word":"for","start":3514.73,"end":3514.97,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0788789615035057},{"word":"anyone's","start":3514.97,"end":3515.37,"confidence":0.9980469,"punctuated_word":"anyone's","sentiment":"neutral","sentiment_score":-0.048224471509456635},{"word":"funeral","start":3515.37,"end":3515.77,"confidence":0.99902344,"punctuated_word":"funeral","sentiment":"neutral","sentiment_score":-0.05653027072548866},{"word":"or","start":3515.77,"end":3515.9302,"confidence":0.9038086,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05906000733375549},{"word":"more","start":3515.9302,"end":3516.09,"confidence":0.9604492,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.05301034450531006},{"word":"just","start":3516.09,"end":3516.33,"confidence":0.6225586,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.026033952832221985},{"word":"focused","start":3516.33,"end":3516.6501,"confidence":0.890625,"punctuated_word":"focused","sentiment":"neutral","sentiment_score":-0.025623053312301636},{"word":"around","start":3516.6501,"end":3516.8901,"confidence":0.9980469,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.005718603730201721},{"word":"the","start":3516.8901,"end":3517.05,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007840462028980255},{"word":"two","start":3517.05,"end":3517.29,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.013148680329322817},{"word":"of","start":3517.29,"end":3517.37,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004416532814502716},{"word":"you","start":3517.37,"end":3517.87,"confidence":0.99902344,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.00380692258477211},{"word":"yeah","start":3519.9448,"end":3520.345,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01136757805943489},{"word":"because","start":3520.345,"end":3520.6648,"confidence":0.99902344,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.03542570024728775},{"word":"there","start":3520.6648,"end":3521.1648,"confidence":0.9838867,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.03876931965351105},{"word":"are","start":3521.9448,"end":3522.105,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02725335955619812},{"word":"investment","start":3522.105,"end":3522.605,"confidence":0.9277344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.04637371376156807},{"word":"options","start":3522.6648,"end":3522.9048,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.011023204773664474},{"word":"or","start":3522.9048,"end":3523.145,"confidence":0.984375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03861900046467781},{"word":"bonds","start":3523.145,"end":3523.4648,"confidence":0.99609375,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":-0.03676248714327812},{"word":"that","start":3523.4648,"end":3523.7048,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.010535310953855516},{"word":"i","start":3523.7048,"end":3523.865,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0031853243708610535},{"word":"have","start":3523.865,"end":3524.105,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.023674335330724716},{"word":"access","start":3524.105,"end":3524.4248,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.0006520375609397888},{"word":"to","start":3524.4248,"end":3524.825,"confidence":0.78515625,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.01909123919904232},{"word":"which","start":3524.825,"end":3525.145,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.030570268630981445},{"word":"are","start":3525.145,"end":3525.645,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.027984987944364548},{"word":"funeral","start":3525.9448,"end":3526.4248,"confidence":0.96240234,"punctuated_word":"funeral","sentiment":"neutral","sentiment_score":-0.05732956901192665},{"word":"bonds","start":3526.4248,"end":3526.825,"confidence":0.8613281,"punctuated_word":"bonds.","sentiment":"neutral","sentiment_score":-0.03428351506590843},{"word":"and","start":3526.825,"end":3526.9849,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1078571230173111},{"word":"the","start":3526.9849,"end":3527.145,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16681504249572754},{"word":"idea","start":3527.145,"end":3527.4648,"confidence":0.99902344,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.18423615396022797},{"word":"is","start":3527.4648,"end":3527.625,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1774957925081253},{"word":"you","start":3527.625,"end":3527.785,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22729673981666565},{"word":"could","start":3527.785,"end":3527.9448,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.19320470094680783},{"word":"start","start":3527.9448,"end":3528.1848,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.1355033963918686},{"word":"with","start":3528.1848,"end":3528.345,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1907445043325424},{"word":"a","start":3528.345,"end":3528.505,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2243156731128693},{"word":"certain","start":3528.505,"end":3528.825,"confidence":1.0,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.10702363401651382},{"word":"amount","start":3528.825,"end":3529.065,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.13698162138462067},{"word":"of","start":3529.065,"end":3529.305,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1328730285167694},{"word":"money","start":3529.305,"end":3529.625,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.12217938154935835},{"word":"if","start":3529.625,"end":3529.785,"confidence":0.6953125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.155935600399971},{"word":"you","start":3529.785,"end":3529.865,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1617424637079239},{"word":"had","start":3529.865,"end":3530.025,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.14070439338684082},{"word":"i","start":3530.105,"end":3530.1848,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06833305209875107},{"word":"think","start":3530.1848,"end":3530.4248,"confidence":0.8132324,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.07159446179866791},{"word":"you","start":3530.4248,"end":3530.505,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07494141161441803},{"word":"know","start":3530.505,"end":3530.7449,"confidence":0.9387207,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.09253209829330444},{"word":"we","start":3530.7449,"end":3530.825,"confidence":0.6508789,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12826764583587646},{"word":"just","start":3530.825,"end":3530.9849,"confidence":0.8935547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08187686651945114},{"word":"start","start":3530.9849,"end":3531.2249,"confidence":0.9790039,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.0728922113776207},{"word":"with","start":3531.2249,"end":3531.4648,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09618718177080154},{"word":"about","start":3531.4648,"end":3531.625,"confidence":0.9902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10671323537826538},{"word":"a","start":3531.625,"end":3531.785,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10256420075893402},{"word":"thousand","start":3531.785,"end":3532.105,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.1260089874267578},{"word":"dollars","start":3532.105,"end":3532.605,"confidence":0.8391113,"punctuated_word":"dollars.","sentiment":"neutral","sentiment_score":0.1017417311668396},{"word":"and","start":3533.16,"end":3533.3198,"confidence":0.9248047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14779658615589142},{"word":"you","start":3533.3198,"end":3533.48,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16842865943908691},{"word":"can","start":3533.48,"end":3533.64,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15746688842773438},{"word":"be","start":3533.64,"end":3533.8,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16709254682064056},{"word":"putting","start":3533.8,"end":3534.1199,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.17293259501457214},{"word":"some","start":3534.1199,"end":3534.3599,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11818428337574004},{"word":"regular","start":3534.3599,"end":3534.68,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.16655394434928894},{"word":"amounts","start":3534.68,"end":3535.0,"confidence":0.86621094,"punctuated_word":"amounts","sentiment":"neutral","sentiment_score":0.11470707505941392},{"word":"in","start":3535.0,"end":3535.24,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15716131031513214},{"word":"on","start":3535.24,"end":3535.3198,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13996687531471252},{"word":"a","start":3535.3198,"end":3535.48,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14894044399261477},{"word":"regular","start":3535.48,"end":3535.96,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.14144495129585266},{"word":"basis","start":3535.96,"end":3536.3599,"confidence":0.81030273,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.11813271045684814},{"word":"and","start":3536.3599,"end":3536.5999,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08860878646373749},{"word":"these","start":3536.5999,"end":3536.92,"confidence":0.92089844,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.09631937742233276},{"word":"are","start":3536.92,"end":3537.0798,"confidence":0.79296875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08635212481021881},{"word":"the","start":3537.0798,"end":3537.24,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11150078475475313},{"word":"funeral","start":3537.24,"end":3537.74,"confidence":0.9980469,"punctuated_word":"funeral","sentiment":"neutral","sentiment_score":0.04358727857470512},{"word":"bonds","start":3537.8,"end":3538.3,"confidence":0.9382324,"punctuated_word":"bonds.","sentiment":"neutral","sentiment_score":0.08987396955490112},{"word":"if","start":3538.92,"end":3539.16,"confidence":0.9902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.12429510802030563},{"word":"one","start":3539.16,"end":3539.4,"confidence":0.9277344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.09631386399269104},{"word":"of","start":3539.4,"end":3539.48,"confidence":0.46923828,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07697091996669769},{"word":"we","start":3539.5598,"end":3539.64,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13144047558307648},{"word":"could","start":3539.64,"end":3539.88,"confidence":0.9135742,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.1417430341243744},{"word":"set","start":3539.88,"end":3540.1199,"confidence":0.9980469,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.1449340581893921},{"word":"two","start":3540.1199,"end":3540.2,"confidence":0.9819336,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.10981087386608124},{"word":"up","start":3540.2,"end":3540.44,"confidence":0.9892578,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.12445127964019775},{"word":"if","start":3540.44,"end":3540.52,"confidence":0.97314453,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1593303084373474},{"word":"you","start":3540.52,"end":3540.68,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14832286536693573},{"word":"wanted","start":3540.68,"end":3541.0,"confidence":0.9921875,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1362280249595642},{"word":"to","start":3541.0,"end":3541.24,"confidence":0.98657227,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.11191138625144958},{"word":"it's","start":3541.24,"end":3541.4,"confidence":0.9645996,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1875343769788742},{"word":"completely","start":3541.4,"end":3541.88,"confidence":0.99902344,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.19445188343524933},{"word":"up","start":3541.88,"end":3541.96,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.208514004945755},{"word":"to","start":3541.96,"end":3542.1199,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2474703788757324},{"word":"you","start":3542.1199,"end":3542.2,"confidence":0.984375,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.21500220894813535},{"word":"you","start":3542.2,"end":3542.28,"confidence":0.99121094,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.17477700114250183},{"word":"can","start":3542.28,"end":3542.44,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17531323432922363},{"word":"have","start":3542.44,"end":3542.5999,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.212240606546402},{"word":"a","start":3542.5999,"end":3542.68,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17239341139793396},{"word":"think","start":3542.68,"end":3542.92,"confidence":0.99609375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.12388333678245544},{"word":"about","start":3542.92,"end":3543.16,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.15748146176338196},{"word":"it","start":3543.16,"end":3543.66,"confidence":0.9794922,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14403441548347473},{"word":"but","start":3544.1199,"end":3544.3599,"confidence":0.907959,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.10699884593486786},{"word":"essentially","start":3544.3599,"end":3544.8599,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.08128205686807632},{"word":"you","start":3545.4,"end":3545.64,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1809278130531311},{"word":"set","start":3545.64,"end":3545.8,"confidence":0.95166016,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.17699295282363892},{"word":"up","start":3545.8,"end":3545.88,"confidence":0.9873047,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17855225503444672},{"word":"this","start":3545.88,"end":3546.1199,"confidence":0.9770508,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.16484320163726807},{"word":"funeral","start":3546.1199,"end":3546.52,"confidence":1.0,"punctuated_word":"funeral","sentiment":"neutral","sentiment_score":0.01863868534564972},{"word":"bond","start":3546.52,"end":3546.76,"confidence":0.93774414,"punctuated_word":"bond.","sentiment":"neutral","sentiment_score":0.1267632395029068},{"word":"the","start":3546.76,"end":3546.92,"confidence":0.98535156,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1752416491508484},{"word":"money","start":3546.92,"end":3547.16,"confidence":0.9941406,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.23972079157829285},{"word":"is","start":3547.16,"end":3547.3198,"confidence":0.8618164,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1673164963722229},{"word":"invested","start":3547.3198,"end":3547.815,"confidence":0.8466797,"punctuated_word":"invested,","sentiment":"neutral","sentiment_score":0.19063800573349},{"word":"so","start":3547.9749,"end":3548.2148,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.18975088000297544},{"word":"it","start":3548.2148,"end":3548.295,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2688893973827362},{"word":"is","start":3548.295,"end":3548.795,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.254966676235199},{"word":"growing","start":3548.855,"end":3549.255,"confidence":0.9436035,"punctuated_word":"growing,","sentiment":"neutral","sentiment_score":0.25902777910232544},{"word":"not","start":3549.255,"end":3549.4949,"confidence":0.9921875,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.013792365789413452},{"word":"just","start":3549.4949,"end":3549.655,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.028868481516838074},{"word":"getting","start":3549.655,"end":3549.9749,"confidence":0.99902344,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.15091992914676666},{"word":"a","start":3549.9749,"end":3550.135,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.061038412153720856},{"word":"cash","start":3550.135,"end":3550.4548,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.005868487060070038},{"word":"rate","start":3550.4548,"end":3550.9548,"confidence":0.72875977,"punctuated_word":"rate.","sentiment":"neutral","sentiment_score":0.0716572105884552},{"word":"but","start":3551.415,"end":3551.575,"confidence":0.66064453,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.054894424974918365},{"word":"they","start":3551.575,"end":3551.815,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.093107670545578},{"word":"are","start":3551.815,"end":3552.055,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.047801047563552856},{"word":"fully","start":3552.055,"end":3552.535,"confidence":0.9970703,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.11822830140590668},{"word":"non","start":3552.535,"end":3552.775,"confidence":0.9716797,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.010810047388076782},{"word":"assessable","start":3552.775,"end":3553.275,"confidence":0.69628906,"punctuated_word":"assessable","sentiment":"neutral","sentiment_score":0.016440831124782562},{"word":"by","start":3553.415,"end":3553.655,"confidence":0.9980469,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.015519246459007263},{"word":"centrelink","start":3553.655,"end":3554.155,"confidence":0.97265625,"punctuated_word":"Centrelink.","sentiment":"neutral","sentiment_score":0.017542343586683273},{"word":"so","start":3554.2148,"end":3554.375,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.001709967851638794},{"word":"even","start":3554.375,"end":3554.615,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.026036493480205536},{"word":"if","start":3554.615,"end":3554.775,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02490735426545143},{"word":"they","start":3554.775,"end":3555.015,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.013634458184242249},{"word":"find","start":3555.015,"end":3555.255,"confidence":0.9921875,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.025756731629371643},{"word":"out","start":3555.255,"end":3555.415,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.030556663870811462},{"word":"about","start":3555.415,"end":3555.655,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.09499742090702055},{"word":"these","start":3555.655,"end":3555.815,"confidence":0.9902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.06633121520280838},{"word":"accounts","start":3555.815,"end":3556.295,"confidence":0.99609375,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":-0.03813457489013672},{"word":"they","start":3556.295,"end":3556.615,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.03154722601175308},{"word":"won't","start":3556.615,"end":3557.015,"confidence":0.9975586,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.08200877159833908},{"word":"add","start":3557.015,"end":3557.175,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":-0.09471552819013596},{"word":"them","start":3557.175,"end":3557.415,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.07191088795661926},{"word":"to","start":3557.415,"end":3557.4949,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12411227077245712},{"word":"your","start":3557.4949,"end":3557.7349,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.061965376138687134},{"word":"income","start":3557.7349,"end":3558.135,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.1344585418701172},{"word":"and","start":3558.135,"end":3558.4548,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07947973161935806},{"word":"assets","start":3558.4548,"end":3558.855,"confidence":0.95166016,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.07342709600925446},{"word":"test","start":3558.855,"end":3559.095,"confidence":0.9609375,"punctuated_word":"test.","sentiment":"neutral","sentiment_score":-0.02034272626042366},{"word":"they","start":3559.095,"end":3559.335,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.1229049488902092},{"word":"are","start":3559.335,"end":3559.655,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0918947160243988},{"word":"sheltered","start":3559.655,"end":3560.055,"confidence":0.98095703,"punctuated_word":"sheltered","sentiment":"neutral","sentiment_score":0.10719220340251924},{"word":"for","start":3560.055,"end":3560.2148,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12288109958171844},{"word":"centrelink","start":3560.2148,"end":3560.6948,"confidence":0.9980469,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":0.12673568725585938},{"word":"purposes","start":3560.6948,"end":3561.1948,"confidence":0.79296875,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.1375168114900589},{"word":"and","start":3562.1602,"end":3562.4001,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09199512004852296},{"word":"we","start":3562.4001,"end":3562.56,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12421496212482452},{"word":"would","start":3562.56,"end":3562.8,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.116826169192791},{"word":"have","start":3562.8,"end":3562.9602,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13699379563331604},{"word":"to","start":3562.9602,"end":3563.12,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15401872992515564},{"word":"set","start":3563.12,"end":3563.28,"confidence":0.9970703,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.14518088102340698},{"word":"up","start":3563.28,"end":3563.4402,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1479087471961975},{"word":"two","start":3563.4402,"end":3563.6802,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.14984533190727234},{"word":"of","start":3563.6802,"end":3563.76,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09696826338768004},{"word":"them","start":3563.76,"end":3564.08,"confidence":0.9536133,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.07350222766399384},{"word":"but","start":3564.08,"end":3564.32,"confidence":0.93066406,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.014417111873626707},{"word":"essentially","start":3564.32,"end":3564.82,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.04832754284143448},{"word":"if","start":3564.8801,"end":3565.04,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.10266265273094176},{"word":"you","start":3565.04,"end":3565.28,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1278853565454483},{"word":"were","start":3565.28,"end":3565.4402,"confidence":0.9892578,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.12082324922084808},{"word":"to","start":3565.4402,"end":3565.6,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17427057027816772},{"word":"then","start":3565.6,"end":3565.9202,"confidence":0.9892578,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.141083225607872},{"word":"pass","start":3565.9202,"end":3566.1602,"confidence":0.9980469,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.30504482984542847},{"word":"away","start":3566.1602,"end":3566.6602,"confidence":0.9980469,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":-0.21930831670761108},{"word":"the","start":3567.36,"end":3567.52,"confidence":0.92822266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2419215440750122},{"word":"money","start":3567.52,"end":3567.84,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.18493176996707916},{"word":"is","start":3567.84,"end":3568.1602,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1835577487945557},{"word":"withdrawn","start":3568.1602,"end":3568.6602,"confidence":0.99902344,"punctuated_word":"withdrawn","sentiment":"neutral","sentiment_score":-0.1706284135580063},{"word":"out","start":3568.8,"end":3569.12,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.16906706988811493},{"word":"to","start":3569.12,"end":3569.62,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16090059280395508},{"word":"to","start":3570.56,"end":3570.7202,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10616721212863922},{"word":"the","start":3570.7202,"end":3571.04,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13076606392860413},{"word":"executor","start":3571.04,"end":3571.54,"confidence":0.99316406,"punctuated_word":"executor","sentiment":"neutral","sentiment_score":-0.119499534368515},{"word":"within","start":3572.1602,"end":3572.6401,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.13690781593322754},{"word":"twenty","start":3572.6401,"end":3572.9602,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.10113180428743362},{"word":"four","start":3572.9602,"end":3573.28,"confidence":0.9980469,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.09771161526441574},{"word":"hours","start":3573.28,"end":3573.76,"confidence":1.0,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.1344323754310608},{"word":"of","start":3573.76,"end":3573.9202,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15046831965446472},{"word":"having","start":3573.9202,"end":3574.24,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.07007576525211334},{"word":"the","start":3574.24,"end":3574.48,"confidence":0.5703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11247552186250688},{"word":"the","start":3574.48,"end":3574.6401,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13711141049861908},{"word":"death","start":3574.6401,"end":3574.9602,"confidence":0.99609375,"punctuated_word":"death","sentiment":"neutral","sentiment_score":-0.16385161876678467},{"word":"certificate","start":3574.9602,"end":3575.4602,"confidence":1.0,"punctuated_word":"certificate","sentiment":"neutral","sentiment_score":-0.14146491885185242},{"word":"provided","start":3575.6,"end":3576.1,"confidence":0.9995117,"punctuated_word":"provided.","sentiment":"neutral","sentiment_score":-0.02708963304758072},{"word":"did","start":3576.675,"end":3576.915,"confidence":1.0,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.06458152830600739},{"word":"you","start":3576.915,"end":3577.155,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06624653935432434},{"word":"wanna","start":3577.155,"end":3577.395,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.04129406064748764},{"word":"look","start":3577.395,"end":3577.715,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03076133131980896},{"word":"at","start":3577.715,"end":3577.875,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08959317207336426},{"word":"something","start":3577.875,"end":3578.2751,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.009116753935813904},{"word":"like","start":3578.2751,"end":3578.435,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.02011342346668243},{"word":"that","start":3578.435,"end":3578.7551,"confidence":0.8688965,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.009274430572986605},{"word":"or","start":3578.7551,"end":3578.915,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1694687008857727},{"word":"are","start":3578.915,"end":3578.995,"confidence":0.9223633,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.16660383343696594},{"word":"you","start":3578.995,"end":3579.155,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14220407605171204},{"word":"happy","start":3579.155,"end":3579.475,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":-0.19989800453186035},{"word":"with","start":3579.475,"end":3579.635,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.25749558210372925},{"word":"the","start":3579.635,"end":3579.7952,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14217104017734528},{"word":"way","start":3579.7952,"end":3579.955,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.18581147491931915},{"word":"it","start":3579.955,"end":3580.115,"confidence":0.9838867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08626964688301086},{"word":"is","start":3580.115,"end":3580.2751,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1594724804162979},{"word":"at","start":3580.2751,"end":3580.435,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.16460788249969482},{"word":"the","start":3580.435,"end":3580.5151,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09094107151031494},{"word":"moment","start":3580.5151,"end":3580.7551,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.00742708146572113},{"word":"and","start":3580.7551,"end":3580.915,"confidence":0.78466797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017731204628944397},{"word":"just","start":3580.915,"end":3581.155,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02700868248939514},{"word":"wanna","start":3581.155,"end":3581.395,"confidence":0.984375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09841849654912949},{"word":"think","start":3581.395,"end":3581.5552,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.06340722739696503},{"word":"about","start":3581.5552,"end":3581.7952,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07476968318223953},{"word":"it","start":3581.7952,"end":3582.0352,"confidence":0.99609375,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.02498437464237213},{"word":"what","start":3582.0352,"end":3582.195,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.01690611243247986},{"word":"do","start":3582.195,"end":3582.355,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.003185778856277466},{"word":"you","start":3582.355,"end":3582.5151,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01660442352294922},{"word":"think","start":3582.5151,"end":3583.0151,"confidence":0.99853516,"punctuated_word":"think?","sentiment":"neutral","sentiment_score":0.0037015900015830994},{"word":"well","start":3592.77,"end":3593.17,"confidence":0.7092285,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0960996150970459},{"word":"they","start":3593.17,"end":3593.3298,"confidence":0.99609375,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07890057563781738},{"word":"are","start":3593.3298,"end":3593.65,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08127310872077942},{"word":"sheltered","start":3593.65,"end":3594.05,"confidence":0.96875,"punctuated_word":"sheltered","sentiment":"neutral","sentiment_score":0.10771681368350984},{"word":"for","start":3594.05,"end":3594.21,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08376608043909073},{"word":"centrelink","start":3594.21,"end":3594.71,"confidence":0.7847493,"punctuated_word":"centrelink","sentiment":"neutral","sentiment_score":0.1313248723745346},{"word":"purposes","start":3594.8499,"end":3595.3499,"confidence":0.98217773,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.09383472055196762},{"word":"at","start":3595.49,"end":3595.73,"confidence":0.6479492,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.06919720768928528},{"word":"the","start":3595.73,"end":3595.89,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07496491074562073},{"word":"moment","start":3595.89,"end":3596.39,"confidence":0.9975586,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.06173979118466377},{"word":"the","start":3597.0898,"end":3597.3298,"confidence":0.6977539,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.048751622438430786},{"word":"sheltering","start":3597.3298,"end":3597.81,"confidence":0.9995117,"punctuated_word":"sheltering","sentiment":"neutral","sentiment_score":0.03367123007774353},{"word":"amount","start":3597.81,"end":3598.21,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.05505843460559845},{"word":"is","start":3598.21,"end":3598.3699,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05153174698352814},{"word":"about","start":3598.3699,"end":3598.8499,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0399932861328125},{"word":"$1,516,000","start":3598.8499,"end":3600.13,"confidence":0.9901123,"punctuated_word":"$1,516,000","sentiment":"neutral","sentiment_score":0.0840432420372963},{"word":"for","start":3600.13,"end":3600.21,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07432767748832703},{"word":"centrelink","start":3600.21,"end":3600.71,"confidence":0.99869794,"punctuated_word":"centrelink","sentiment":"neutral","sentiment_score":0.08830413222312927},{"word":"purposes","start":3600.77,"end":3601.27,"confidence":0.9499512,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.07053938508033752},{"word":"but","start":3601.9749,"end":3602.4749,"confidence":0.9921875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03060266375541687},{"word":"realistically","start":3602.615,"end":3603.095,"confidence":0.7442627,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.05787331983447075},{"word":"you","start":3603.095,"end":3603.255,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10122330486774445},{"word":"can","start":3603.255,"end":3603.335,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14912793040275574},{"word":"open","start":3603.335,"end":3603.575,"confidence":0.99609375,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.1368163824081421},{"word":"up","start":3603.575,"end":3603.7349,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1688137650489807},{"word":"these","start":3603.7349,"end":3603.9749,"confidence":0.9951172,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.09802132099866868},{"word":"accounts","start":3603.9749,"end":3604.375,"confidence":0.9970703,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.09271091222763062},{"word":"with","start":3604.375,"end":3604.695,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14423173666000366},{"word":"as","start":3604.695,"end":3604.775,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1520131230354309},{"word":"little","start":3604.775,"end":3605.095,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.11148953437805176},{"word":"as","start":3605.095,"end":3605.255,"confidence":0.9863281,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12180474400520323},{"word":"normally","start":3605.255,"end":3605.655,"confidence":0.7050781,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.11356354504823685},{"word":"about","start":3605.655,"end":3605.895,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08479043841362},{"word":"$1,000","start":3605.895,"end":3606.875,"confidence":0.9968262,"punctuated_word":"$1,000.","sentiment":"neutral","sentiment_score":0.1139453947544098},{"word":"you","start":3607.015,"end":3607.175,"confidence":0.9614258,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.11661122739315032},{"word":"can","start":3607.175,"end":3607.335,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13458925485610962},{"word":"be","start":3607.335,"end":3607.4949,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13942527770996094},{"word":"putting","start":3607.4949,"end":3607.815,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.15983837842941284},{"word":"regular","start":3607.815,"end":3608.315,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.14402112364768982},{"word":"amounts","start":3608.375,"end":3608.695,"confidence":0.8613281,"punctuated_word":"amounts","sentiment":"neutral","sentiment_score":0.15611743927001953},{"word":"in","start":3608.695,"end":3608.855,"confidence":0.9614258,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.16163824498653412},{"word":"say","start":3608.855,"end":3609.095,"confidence":0.8486328,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.12172211706638336},{"word":"20","start":3609.095,"end":3609.415,"confidence":0.99902344,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.21010464429855347},{"word":"or","start":3609.415,"end":3609.575,"confidence":0.9770508,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11849773675203323},{"word":"$30","start":3609.575,"end":3610.135,"confidence":1.0,"punctuated_word":"$30","sentiment":"neutral","sentiment_score":0.17660179734230042},{"word":"a","start":3610.135,"end":3610.295,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14945706725120544},{"word":"month","start":3610.295,"end":3610.615,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.17107895016670227},{"word":"or","start":3610.615,"end":3611.095,"confidence":0.9355469,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.13741832971572876},{"word":"you","start":3611.095,"end":3611.255,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08554819226264954},{"word":"know","start":3611.255,"end":3611.4949,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0852305069565773},{"word":"a","start":3611.4949,"end":3611.655,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13716842234134674},{"word":"lump","start":3611.655,"end":3611.895,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.14723853766918182},{"word":"sum","start":3611.895,"end":3612.2148,"confidence":0.99902344,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.2249017208814621},{"word":"once","start":3612.2148,"end":3612.4548,"confidence":0.9980469,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.18494533002376556},{"word":"a","start":3612.4548,"end":3612.615,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1580182909965515},{"word":"year","start":3612.615,"end":3612.855,"confidence":0.9980469,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.16980348527431488},{"word":"into","start":3612.855,"end":3613.095,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1859627366065979},{"word":"the","start":3613.095,"end":3613.255,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1727500706911087},{"word":"bond","start":3613.255,"end":3613.575,"confidence":0.9926758,"punctuated_word":"bond.","sentiment":"neutral","sentiment_score":0.15299394726753235},{"word":"it","start":3613.575,"end":3613.7349,"confidence":0.9980469,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.20654554665088656},{"word":"just","start":3613.7349,"end":3613.9749,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1352505385875702},{"word":"keeps","start":3613.9749,"end":3614.2148,"confidence":0.99121094,"punctuated_word":"keeps","sentiment":"neutral","sentiment_score":0.17671078443527222},{"word":"being","start":3614.2148,"end":3614.535,"confidence":0.9980469,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.1908861398696899},{"word":"invested","start":3614.535,"end":3615.035,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.15345655381679535},{"word":"and","start":3615.095,"end":3615.255,"confidence":0.96875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2305392324924469},{"word":"grows","start":3615.255,"end":3615.755,"confidence":0.99365234,"punctuated_word":"grows.","sentiment":"neutral","sentiment_score":0.2295883595943451},{"word":"it","start":3616.1602,"end":3616.4001,"confidence":0.9941406,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1545569896697998},{"word":"is","start":3616.4001,"end":3616.56,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11723900586366652},{"word":"invested","start":3616.56,"end":3617.06,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.15052366256713867},{"word":"in","start":3617.12,"end":3617.36,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2052303850650787},{"word":"an","start":3617.36,"end":3617.6,"confidence":0.9941406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2187316417694092},{"word":"investment","start":3617.6,"end":3618.0,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.13134346902370453},{"word":"option","start":3618.0,"end":3618.32,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.14907440543174744},{"word":"like","start":3618.32,"end":3618.56,"confidence":0.47094727,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1989465355873108},{"word":"we","start":3618.56,"end":3618.6401,"confidence":0.9375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17116151750087738},{"word":"might","start":3618.6401,"end":3618.8801,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.1748141646385193},{"word":"pick","start":3618.8801,"end":3619.3801,"confidence":0.47473145,"punctuated_word":"pick,","sentiment":"neutral","sentiment_score":0.1497856378555298},{"word":"as","start":3619.52,"end":3619.6802,"confidence":0.9316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15905287861824036},{"word":"an","start":3619.6802,"end":3619.84,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.18234127759933472},{"word":"example","start":3619.84,"end":3620.32,"confidence":0.99194336,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.15752974152565002},{"word":"like","start":3620.32,"end":3620.82,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.16371022164821625},{"word":"a","start":3620.8801,"end":3620.96,"confidence":0.81933594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18391579389572144},{"word":"a","start":3620.96,"end":3621.04,"confidence":0.9560547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1959013044834137},{"word":"vanguard","start":3621.04,"end":3621.54,"confidence":0.9448242,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.13455349206924438},{"word":"fund","start":3621.76,"end":3622.1602,"confidence":0.8046875,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.20727014541625977},{"word":"which","start":3622.1602,"end":3622.48,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.20305204391479492},{"word":"might","start":3622.48,"end":3622.8,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.24493560194969177},{"word":"give","start":3622.8,"end":3622.96,"confidence":0.99316406,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.24777548015117645},{"word":"you","start":3622.96,"end":3623.2002,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22177135944366455},{"word":"diversification","start":3623.2002,"end":3623.7002,"confidence":0.9029948,"punctuated_word":"diversification,","sentiment":"neutral","sentiment_score":0.24779373407363892},{"word":"and","start":3624.24,"end":3624.72,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23461554944515228},{"word":"it","start":3624.72,"end":3624.8801,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23775184154510495},{"word":"could","start":3624.8801,"end":3625.12,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.20316095650196075},{"word":"get","start":3625.12,"end":3625.36,"confidence":0.96240234,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.1987927258014679},{"word":"like","start":3625.36,"end":3625.52,"confidence":1.0,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.19298136234283447},{"word":"you","start":3625.52,"end":3625.6802,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1496441811323166},{"word":"know","start":3625.6802,"end":3625.84,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.17286619544029236},{"word":"a","start":3625.84,"end":3626.0,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2392567843198776},{"word":"two","start":3626.0,"end":3626.32,"confidence":0.7685547,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.14120522141456604},{"word":"three","start":3626.32,"end":3626.56,"confidence":0.95288086,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":0.15878044068813324},{"word":"or","start":3626.56,"end":3626.8,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.20388291776180267},{"word":"a","start":3626.8,"end":3626.8801,"confidence":0.96875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2489854991436005},{"word":"5%","start":3626.8801,"end":3627.4402,"confidence":1.0,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.2695910930633545},{"word":"return","start":3627.4402,"end":3627.84,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.34764063358306885},{"word":"on","start":3627.84,"end":3628.0,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2299960255622864},{"word":"a","start":3628.0,"end":3628.1602,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23877722024917605},{"word":"yearly","start":3628.1602,"end":3628.48,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.283835768699646},{"word":"basis","start":3628.48,"end":3628.96,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.2723011076450348},{"word":"and","start":3628.96,"end":3629.4402,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2113572508096695},{"word":"be","start":3629.4402,"end":3629.6802,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16397030651569366},{"word":"growing","start":3629.6802,"end":3630.1602,"confidence":1.0,"punctuated_word":"growing","sentiment":"neutral","sentiment_score":0.26902350783348083},{"word":"over","start":3630.1602,"end":3630.48,"confidence":0.99316406,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.268300861120224},{"word":"time","start":3630.48,"end":3630.98,"confidence":0.86694336,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.15993832051753998},{"word":"but","start":3632.295,"end":3632.455,"confidence":0.9667969,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07966006547212601},{"word":"they","start":3632.455,"end":3632.775,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.10844330489635468},{"word":"are","start":3632.775,"end":3633.015,"confidence":0.9902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0642693042755127},{"word":"fully","start":3633.015,"end":3633.4949,"confidence":0.99902344,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.13012760877609253},{"word":"sheltered","start":3633.4949,"end":3633.895,"confidence":0.68395996,"punctuated_word":"sheltered,","sentiment":"neutral","sentiment_score":0.08700969815254211},{"word":"the","start":3633.895,"end":3634.055,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10239803045988084},{"word":"centrelink","start":3634.055,"end":3634.535,"confidence":0.9794922,"punctuated_word":"Centrelink.","sentiment":"neutral","sentiment_score":0.12741823494434357},{"word":"centrelink","start":3634.535,"end":3635.035,"confidence":0.9996745,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":-0.0502360463142395},{"word":"don't","start":3635.175,"end":3635.675,"confidence":0.9838867,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13171741366386414},{"word":"don't","start":3636.295,"end":3636.615,"confidence":0.9926758,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.14794573187828064},{"word":"look","start":3636.615,"end":3636.855,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.13656474649906158},{"word":"at","start":3636.855,"end":3636.935,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2114335745573044},{"word":"the","start":3636.935,"end":3637.095,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18153703212738037},{"word":"bonds","start":3637.095,"end":3637.595,"confidence":0.9169922,"punctuated_word":"bonds.","sentiment":"neutral","sentiment_score":-0.1402483880519867},{"word":"the","start":3638.135,"end":3638.375,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.1866307258605957},{"word":"amount","start":3638.375,"end":3638.855,"confidence":0.8540039,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.09003642946481705},{"word":"that","start":3638.855,"end":3639.015,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13723662495613098},{"word":"you","start":3639.015,"end":3639.175,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13267084956169128},{"word":"put","start":3639.175,"end":3639.415,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.1351061761379242},{"word":"in","start":3639.415,"end":3639.7349,"confidence":0.80249023,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.15611346065998075},{"word":"as","start":3639.7349,"end":3639.895,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.10402831435203552},{"word":"long","start":3639.895,"end":3640.055,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.05069343000650406},{"word":"as","start":3640.055,"end":3640.2148,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03275162726640701},{"word":"it's","start":3640.2148,"end":3640.615,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07126529514789581},{"word":"under","start":3640.615,"end":3641.095,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.0854233056306839},{"word":"the","start":3641.095,"end":3641.595,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12629060447216034},{"word":"the","start":3642.455,"end":3642.695,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12328673899173737},{"word":"asset","start":3642.695,"end":3643.195,"confidence":0.9951172,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":-0.10525290668010712},{"word":"requirements","start":3643.415,"end":3643.915,"confidence":0.8508301,"punctuated_word":"requirements,","sentiment":"neutral","sentiment_score":-0.08659421652555466},{"word":"so","start":3643.9749,"end":3644.135,"confidence":0.5029297,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10809998214244844},{"word":"under","start":3644.135,"end":3644.375,"confidence":0.9980469,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.16670717298984528},{"word":"the","start":3644.375,"end":3644.535,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17475834488868713},{"word":"15","start":3644.535,"end":3644.935,"confidence":0.99902344,"punctuated_word":"15","sentiment":"neutral","sentiment_score":-0.10965708643198012},{"word":"or","start":3644.935,"end":3645.175,"confidence":0.9760742,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.12473054230213164},{"word":"$16,000","start":3645.175,"end":3646.455,"confidence":0.993042,"punctuated_word":"$16,000,","sentiment":"neutral","sentiment_score":-0.1545385718345642},{"word":"they","start":3646.455,"end":3646.615,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.20923306047916412},{"word":"don't","start":3646.615,"end":3647.04,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.17731136083602905},{"word":"count","start":3647.6,"end":3647.92,"confidence":0.9448242,"punctuated_word":"count","sentiment":"neutral","sentiment_score":-0.15956303477287292},{"word":"that","start":3647.92,"end":3648.1602,"confidence":0.876709,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.20679312944412231},{"word":"and","start":3648.1602,"end":3648.48,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2109978199005127},{"word":"gross","start":3648.48,"end":3648.8801,"confidence":0.67333984,"punctuated_word":"gross","sentiment":"negative","sentiment_score":-0.4093516767024994},{"word":"from","start":3648.8801,"end":3649.04,"confidence":1.0,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.34101662039756775},{"word":"those","start":3649.04,"end":3649.36,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.2960091829299927},{"word":"funds","start":3649.36,"end":3649.68,"confidence":0.9140625,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.28075650334358215},{"word":"is","start":3649.68,"end":3649.84,"confidence":0.9838867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.23250208795070648},{"word":"not","start":3649.84,"end":3650.08,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.20770476758480072},{"word":"assessed","start":3650.08,"end":3650.48,"confidence":0.99121094,"punctuated_word":"assessed","sentiment":"neutral","sentiment_score":-0.23745644092559817},{"word":"by","start":3650.48,"end":3650.72,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.2570454180240631},{"word":"centrelink","start":3650.72,"end":3651.2,"confidence":0.78234863,"punctuated_word":"Centrelink.","sentiment":"neutral","sentiment_score":-0.07822950929403305},{"word":"so","start":3651.2,"end":3651.36,"confidence":0.9980469,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6254256963729858},{"word":"it's","start":3651.36,"end":3651.6,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.7051961421966553},{"word":"really","start":3651.6,"end":3652.0,"confidence":0.9951172,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.801402747631073},{"word":"really","start":3652.0,"end":3652.4001,"confidence":0.4206543,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.8055865168571472},{"word":"a","start":3652.4001,"end":3652.48,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8221131563186646},{"word":"good","start":3652.48,"end":3652.72,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.8189804553985596},{"word":"way","start":3652.72,"end":3652.8801,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.8025185465812683},{"word":"to","start":3652.8801,"end":3653.04,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7985573410987854},{"word":"shelter","start":3653.04,"end":3653.44,"confidence":0.9301758,"punctuated_word":"shelter","sentiment":"positive","sentiment_score":0.8428859114646912},{"word":"money","start":3653.44,"end":3653.94,"confidence":0.99902344,"punctuated_word":"money.","sentiment":"positive","sentiment_score":0.7073903679847717},{"word":"it","start":3654.48,"end":3654.6401,"confidence":0.94921875,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5667718052864075},{"word":"can","start":3654.6401,"end":3654.96,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5392172932624817},{"word":"grow","start":3654.96,"end":3655.28,"confidence":0.97509766,"punctuated_word":"grow","sentiment":"positive","sentiment_score":0.6814603209495544},{"word":"towards","start":3655.28,"end":3655.78,"confidence":0.9682617,"punctuated_word":"towards,","sentiment":"positive","sentiment_score":0.6677798628807068},{"word":"you","start":3655.84,"end":3655.92,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6294043660163879},{"word":"know","start":3655.92,"end":3656.1602,"confidence":1.0,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.640599250793457},{"word":"the","start":3656.1602,"end":3656.32,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6607697606086731},{"word":"goal","start":3656.32,"end":3656.56,"confidence":1.0,"punctuated_word":"goal","sentiment":"positive","sentiment_score":0.6448357701301575},{"word":"of","start":3656.56,"end":3656.72,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5872772932052612},{"word":"being","start":3656.72,"end":3656.8801,"confidence":1.0,"punctuated_word":"being","sentiment":"positive","sentiment_score":0.5557867884635925},{"word":"able","start":3656.8801,"end":3657.12,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.622079610824585},{"word":"to","start":3657.12,"end":3657.28,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6489086747169495},{"word":"pull","start":3657.28,"end":3657.44,"confidence":0.99902344,"punctuated_word":"pull","sentiment":"positive","sentiment_score":0.7047048807144165},{"word":"that","start":3657.44,"end":3657.68,"confidence":0.99121094,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6351869106292725},{"word":"up","start":3657.68,"end":3657.76,"confidence":0.73779297,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6197571754455566},{"word":"for","start":3657.76,"end":3657.92,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6316686272621155},{"word":"a","start":3657.92,"end":3658.08,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6323462128639221},{"word":"funeral","start":3658.08,"end":3658.56,"confidence":1.0,"punctuated_word":"funeral","sentiment":"positive","sentiment_score":0.42390039563179016},{"word":"down","start":3658.56,"end":3658.8,"confidence":1.0,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.5903540253639221},{"word":"the","start":3658.8,"end":3658.96,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6325288414955139},{"word":"track","start":3658.96,"end":3659.46,"confidence":0.99609375,"punctuated_word":"track.","sentiment":"positive","sentiment_score":0.4946929514408112},{"word":"the","start":3660.305,"end":3660.545,"confidence":0.95410156,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0636240616440773},{"word":"downside","start":3660.545,"end":3661.025,"confidence":0.9951172,"punctuated_word":"downside","sentiment":"neutral","sentiment_score":-0.08784998208284378},{"word":"of","start":3661.025,"end":3661.105,"confidence":0.6376953,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06510619074106216},{"word":"these","start":3661.105,"end":3661.345,"confidence":0.8613281,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.10026901215314864},{"word":"is","start":3661.345,"end":3661.505,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.12500184774398804},{"word":"that","start":3661.505,"end":3661.7449,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16479256749153137},{"word":"you","start":3661.7449,"end":3661.9048,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2298535108566284},{"word":"can't","start":3661.9048,"end":3662.2249,"confidence":0.9995117,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.22269919514656067},{"word":"access","start":3662.2249,"end":3662.545,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.30061039328575134},{"word":"the","start":3662.545,"end":3662.7048,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1722138226032257},{"word":"funds","start":3662.7048,"end":3663.105,"confidence":0.9941406,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.12367205321788788},{"word":"to","start":3663.105,"end":3663.265,"confidence":0.56884766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19838830828666687},{"word":"anything","start":3663.265,"end":3663.585,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.20330047607421875},{"word":"else","start":3663.585,"end":3663.9048,"confidence":0.9926758,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":-0.2486361563205719},{"word":"it","start":3663.9048,"end":3664.1448,"confidence":0.9980469,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.1300545334815979},{"word":"has","start":3664.1448,"end":3664.4648,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.1174706369638443},{"word":"to","start":3664.4648,"end":3664.625,"confidence":0.9560547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08063909411430359},{"word":"only","start":3664.625,"end":3664.865,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.06808612495660782},{"word":"be","start":3664.865,"end":3665.105,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.044965460896492},{"word":"pulled","start":3665.105,"end":3665.345,"confidence":1.0,"punctuated_word":"pulled","sentiment":"neutral","sentiment_score":-0.030875608325004578},{"word":"out","start":3665.345,"end":3665.845,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.04173826053738594},{"word":"for","start":3666.3848,"end":3666.545,"confidence":0.93115234,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.00464223325252533},{"word":"the","start":3666.545,"end":3666.7048,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.003531612455844879},{"word":"purpose","start":3666.7048,"end":3667.105,"confidence":1.0,"punctuated_word":"purpose","sentiment":"neutral","sentiment_score":0.0234239399433136},{"word":"of","start":3667.105,"end":3667.1848,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.012698188424110413},{"word":"a","start":3667.1848,"end":3667.345,"confidence":0.96777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04009494185447693},{"word":"funeral","start":3667.345,"end":3667.825,"confidence":0.9995117,"punctuated_word":"funeral.","sentiment":"neutral","sentiment_score":-0.08363572508096695},{"word":"if","start":3667.825,"end":3668.065,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.01944383978843689},{"word":"you","start":3668.065,"end":3668.2249,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03205595910549164},{"word":"pull","start":3668.2249,"end":3668.3848,"confidence":0.99902344,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.03835281729698181},{"word":"out","start":3668.3848,"end":3668.545,"confidence":0.8496094,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.05400378257036209},{"word":"you","start":3668.545,"end":3668.7048,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05340461805462837},{"word":"have","start":3668.7048,"end":3668.865,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05058245360851288},{"word":"$20","start":3668.865,"end":3669.4248,"confidence":0.904541,"punctuated_word":"$20.","sentiment":"neutral","sentiment_score":0.03534989804029465},{"word":"and","start":3669.4248,"end":3669.585,"confidence":0.9482422,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05160357430577278},{"word":"if","start":3669.585,"end":3669.6648,"confidence":0.9165039,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1035115122795105},{"word":"you","start":3669.6648,"end":3669.9048,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08601289987564087},{"word":"pull","start":3669.9048,"end":3670.1448,"confidence":0.9980469,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.0741109549999237},{"word":"all","start":3670.1448,"end":3670.305,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05610914528369904},{"word":"of","start":3670.305,"end":3670.4648,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08591710031032562},{"word":"that","start":3670.4648,"end":3670.7048,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12435024976730348},{"word":"out","start":3670.7048,"end":3671.2048,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09874895215034483},{"word":"and","start":3671.345,"end":3671.505,"confidence":0.86328125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10397458076477052},{"word":"you","start":3671.505,"end":3671.6648,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1055118888616562},{"word":"only","start":3671.6648,"end":3671.9849,"confidence":0.9951172,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.05577597022056579},{"word":"use","start":3671.9849,"end":3672.2249,"confidence":0.9902344,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.05289120972156525},{"word":"$5","start":3672.2249,"end":3672.7048,"confidence":0.9855957,"punctuated_word":"$5","sentiment":"neutral","sentiment_score":0.08267869055271149},{"word":"on","start":3672.7048,"end":3672.865,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07972109317779541},{"word":"a","start":3672.865,"end":3672.9448,"confidence":0.9194336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.019787248224020004},{"word":"funeral","start":3672.9448,"end":3673.345,"confidence":0.9946289,"punctuated_word":"funeral,","sentiment":"neutral","sentiment_score":-0.016691559925675392},{"word":"then","start":3673.345,"end":3673.505,"confidence":0.9506836,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.01732383668422699},{"word":"that's","start":3673.505,"end":3674.005,"confidence":0.9772949,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.018268464133143425},{"word":"but","start":3675.21,"end":3675.45,"confidence":0.9116211,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03308962285518646},{"word":"they","start":3675.45,"end":3675.61,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1397249698638916},{"word":"don't","start":3675.61,"end":3675.77,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12381500005722046},{"word":"let","start":3675.77,"end":3675.93,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.10921408236026764},{"word":"you","start":3675.93,"end":3676.17,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09561486542224884},{"word":"access","start":3676.17,"end":3676.65,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.2124137282371521},{"word":"those","start":3676.65,"end":3676.97,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.06531774997711182},{"word":"bonds","start":3676.97,"end":3677.45,"confidence":0.9819336,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":-0.028310850262641907},{"word":"in","start":3677.45,"end":3677.69,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02472817152738571},{"word":"advance","start":3677.69,"end":3678.19,"confidence":0.98828125,"punctuated_word":"advance","sentiment":"neutral","sentiment_score":0.001856788992881775},{"word":"to","start":3678.25,"end":3678.57,"confidence":0.63964844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.010608486831188202},{"word":"anything","start":3678.57,"end":3678.89,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.02457005530595779},{"word":"else","start":3678.89,"end":3679.37,"confidence":0.8215332,"punctuated_word":"else,","sentiment":"neutral","sentiment_score":-0.07718672603368759},{"word":"whereas","start":3679.37,"end":3679.77,"confidence":0.96240234,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":-0.05332152545452118},{"word":"the","start":3679.77,"end":3679.93,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13006898760795593},{"word":"advantage","start":3679.93,"end":3680.41,"confidence":0.86621094,"punctuated_word":"advantage","sentiment":"neutral","sentiment_score":0.19625315070152283},{"word":"to","start":3680.41,"end":3680.49,"confidence":0.96240234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.332882821559906},{"word":"having","start":3680.49,"end":3680.81,"confidence":1.0,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.35474327206611633},{"word":"that","start":3680.81,"end":3680.97,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.43405476212501526},{"word":"in","start":3680.97,"end":3681.1301,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3956298232078552},{"word":"the","start":3681.1301,"end":3681.21,"confidence":0.8676758,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.45451056957244873},{"word":"bank","start":3681.21,"end":3681.53,"confidence":1.0,"punctuated_word":"bank","sentiment":"positive","sentiment_score":0.4030245542526245},{"word":"account","start":3681.53,"end":3681.85,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.30365219712257385},{"word":"like","start":3681.85,"end":3682.01,"confidence":0.9111328,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.49039673805236816},{"word":"you","start":3682.01,"end":3682.17,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4098134934902191},{"word":"have","start":3682.17,"end":3682.33,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.432930052280426},{"word":"at","start":3682.33,"end":3682.49,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.40976881980896},{"word":"the","start":3682.49,"end":3682.65,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3991757929325104},{"word":"moment","start":3682.65,"end":3683.05,"confidence":1.0,"punctuated_word":"moment","sentiment":"positive","sentiment_score":0.3853524923324585},{"word":"is","start":3683.05,"end":3683.21,"confidence":0.9921875,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3946599960327149},{"word":"that","start":3683.21,"end":3683.45,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4023396372795105},{"word":"if","start":3683.45,"end":3683.61,"confidence":0.9892578,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.5152868628501892},{"word":"something","start":3683.61,"end":3684.01,"confidence":1.0,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.4101437628269195},{"word":"happens","start":3684.01,"end":3684.49,"confidence":0.99609375,"punctuated_word":"happens,","sentiment":"positive","sentiment_score":0.3895336389541626},{"word":"you","start":3684.49,"end":3684.65,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.42532879114151},{"word":"can","start":3684.65,"end":3684.89,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3483617901802063},{"word":"use","start":3684.89,"end":3685.1301,"confidence":0.99902344,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.22929421067237857},{"word":"the","start":3685.1301,"end":3685.29,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34723660349845886},{"word":"funds","start":3685.29,"end":3685.77,"confidence":0.99609375,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.19641724228858948},{"word":"elsewhere","start":3685.77,"end":3686.17,"confidence":0.99609375,"punctuated_word":"elsewhere","sentiment":"neutral","sentiment_score":0.2674199640750885},{"word":"if","start":3686.17,"end":3686.33,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3245432376861572},{"word":"you","start":3686.33,"end":3686.49,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3169665038585663},{"word":"want","start":3686.49,"end":3686.81,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.2913917005062103},{"word":"to","start":3686.81,"end":3687.31,"confidence":0.9921875,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.20780697464942932},{"word":"but","start":3688.335,"end":3688.655,"confidence":0.9892578,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.3432198464870453},{"word":"we","start":3688.655,"end":3688.895,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4165485501289368},{"word":"do","start":3688.895,"end":3689.135,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.45437633991241455},{"word":"have","start":3689.135,"end":3689.375,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4339335560798645},{"word":"access","start":3689.375,"end":3689.695,"confidence":1.0,"punctuated_word":"access","sentiment":"positive","sentiment_score":0.4012981057167053},{"word":"to","start":3689.695,"end":3689.775,"confidence":0.97314453,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.581152081489563},{"word":"these","start":3689.775,"end":3690.095,"confidence":1.0,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.5728182792663574},{"word":"other","start":3690.095,"end":3690.335,"confidence":0.99902344,"punctuated_word":"other","sentiment":"positive","sentiment_score":0.5381811261177063},{"word":"types","start":3690.335,"end":3690.575,"confidence":0.99609375,"punctuated_word":"types","sentiment":"positive","sentiment_score":0.4736332297325134},{"word":"of","start":3690.575,"end":3690.815,"confidence":0.9951172,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5830223560333252},{"word":"investments","start":3690.815,"end":3691.295,"confidence":0.9873047,"punctuated_word":"investments","sentiment":"positive","sentiment_score":0.366965651512146},{"word":"that","start":3691.295,"end":3691.455,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6092753410339355},{"word":"we","start":3691.455,"end":3691.695,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.7166457176208496},{"word":"can","start":3691.695,"end":3692.175,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.7094724178314209},{"word":"certainly","start":3692.175,"end":3692.655,"confidence":0.9980469,"punctuated_word":"certainly","sentiment":"positive","sentiment_score":0.7751586437225342},{"word":"help","start":3692.655,"end":3692.815,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.7172092795372009},{"word":"you","start":3692.815,"end":3693.055,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7418771982192993},{"word":"with","start":3693.055,"end":3693.295,"confidence":0.99902344,"punctuated_word":"with.","sentiment":"positive","sentiment_score":0.628940224647522},{"word":"you","start":3693.295,"end":3693.455,"confidence":1.0,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.49492689967155457},{"word":"don't","start":3693.455,"end":3693.775,"confidence":1.0,"punctuated_word":"don't","sentiment":"positive","sentiment_score":0.4562830328941345},{"word":"have","start":3693.775,"end":3694.015,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4234074652194977},{"word":"to","start":3694.015,"end":3694.095,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4037116467952728},{"word":"do","start":3694.095,"end":3694.255,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.41708192229270935},{"word":"it","start":3694.255,"end":3694.415,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.40708303451538086},{"word":"now","start":3694.415,"end":3694.655,"confidence":0.99365234,"punctuated_word":"now.","sentiment":"positive","sentiment_score":0.399211585521698},{"word":"you","start":3694.655,"end":3694.815,"confidence":1.0,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.3951886296272278},{"word":"can","start":3694.815,"end":3694.975,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3839103877544403},{"word":"just","start":3694.975,"end":3695.135,"confidence":0.99902344,"punctuated_word":"just,","sentiment":"positive","sentiment_score":0.4349956810474396},{"word":"you","start":3695.135,"end":3695.215,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.41700008511543274},{"word":"know","start":3695.215,"end":3695.615,"confidence":1.0,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.4326995611190796},{"word":"talk","start":3695.615,"end":3695.775,"confidence":1.0,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.409155398607254},{"word":"about","start":3695.775,"end":3696.015,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.3859232366085053},{"word":"it","start":3696.015,"end":3696.175,"confidence":0.86376953,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.4181055426597595},{"word":"mull","start":3696.175,"end":3696.415,"confidence":0.7216797,"punctuated_word":"mull","sentiment":"positive","sentiment_score":0.35866469144821167},{"word":"on","start":3696.415,"end":3696.4949,"confidence":0.51220703,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.39871615171432495},{"word":"it","start":3696.4949,"end":3696.655,"confidence":0.9172363,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.4190757870674134},{"word":"think","start":3696.655,"end":3696.895,"confidence":0.93847656,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.4014546275138855},{"word":"about","start":3696.895,"end":3697.135,"confidence":0.9951172,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.4073057472705841},{"word":"it","start":3697.135,"end":3697.215,"confidence":0.8642578,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4461622536182403},{"word":"if","start":3697.215,"end":3697.375,"confidence":0.9316406,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.43955403566360474},{"word":"you","start":3697.375,"end":3697.455,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4003843665122986},{"word":"like","start":3697.455,"end":3697.695,"confidence":0.9641113,"punctuated_word":"like.","sentiment":"positive","sentiment_score":0.3488242030143738},{"word":"it's","start":3697.695,"end":3698.015,"confidence":0.98535156,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6714457869529724},{"word":"absolutely","start":3698.015,"end":3698.515,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.6829221844673157},{"word":"fine","start":3698.655,"end":3699.155,"confidence":1.0,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.6037523150444031},{"word":"it's","start":3699.615,"end":3699.775,"confidence":0.9975586,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5855876207351685},{"word":"just","start":3699.775,"end":3700.015,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5520012378692627},{"word":"another","start":3700.015,"end":3700.335,"confidence":1.0,"punctuated_word":"another","sentiment":"positive","sentiment_score":0.43147534132003784},{"word":"sort","start":3700.335,"end":3700.575,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.4756135046482086},{"word":"of","start":3700.575,"end":3700.735,"confidence":0.93408203,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5144292116165161},{"word":"option","start":3700.735,"end":3701.055,"confidence":0.9970703,"punctuated_word":"option","sentiment":"positive","sentiment_score":0.3590238690376282},{"word":"to","start":3701.055,"end":3701.215,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.38009387254714966},{"word":"look","start":3701.215,"end":3701.455,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.33866190910339355},{"word":"at","start":3701.455,"end":3701.695,"confidence":0.99902344,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3690809905529022},{"word":"as","start":3701.695,"end":3701.855,"confidence":0.99609375,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4570519030094147},{"word":"well","start":3701.855,"end":3702.355,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.3257922828197479},{"word":"absolutely","start":3707.6199,"end":3708.1199,"confidence":0.9914551,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.5287563800811768},{"word":"absolutely","start":3720.7551,"end":3721.2551,"confidence":0.95458984,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.16202521324157715},{"word":"and","start":3721.395,"end":3721.555,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11380555480718613},{"word":"that","start":3721.555,"end":3721.715,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.013783931732177734},{"word":"is","start":3721.715,"end":3721.955,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.028714865446090695},{"word":"the","start":3721.955,"end":3722.115,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06148558855056763},{"word":"downside","start":3722.115,"end":3722.5151,"confidence":0.9980469,"punctuated_word":"downside","sentiment":"neutral","sentiment_score":-0.15794742107391355},{"word":"to","start":3722.5151,"end":3722.7551,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.046510204672813416},{"word":"a","start":3722.7551,"end":3722.835,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10187307000160216},{"word":"funeral","start":3722.835,"end":3723.315,"confidence":0.99902344,"punctuated_word":"funeral","sentiment":"neutral","sentiment_score":-0.22273831069469452},{"word":"bond","start":3723.315,"end":3723.555,"confidence":0.97802734,"punctuated_word":"bond","sentiment":"neutral","sentiment_score":-0.1574559509754181},{"word":"is","start":3723.555,"end":3723.635,"confidence":0.84765625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10020051151514052},{"word":"that","start":3723.635,"end":3723.795,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11533864587545396},{"word":"you","start":3723.795,"end":3723.955,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02496916800737381},{"word":"can't","start":3723.955,"end":3724.2751,"confidence":0.99902344,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1204499527812004},{"word":"take","start":3724.2751,"end":3724.435,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.2074547708034515},{"word":"it","start":3724.435,"end":3724.5151,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1520482450723648},{"word":"out","start":3724.5151,"end":3724.675,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.16419069468975067},{"word":"if","start":3724.675,"end":3724.835,"confidence":0.9633789,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.12549573183059692},{"word":"you","start":3724.835,"end":3724.915,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07960698008537292},{"word":"do","start":3724.915,"end":3725.155,"confidence":0.97314453,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09317415207624435},{"word":"need","start":3725.155,"end":3725.315,"confidence":0.98095703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.16185782849788666},{"word":"the","start":3725.315,"end":3725.555,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19188842177391052},{"word":"money","start":3725.555,"end":3725.795,"confidence":0.7199707,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.2065703272819519},{"word":"so","start":3725.795,"end":3726.0352,"confidence":0.65527344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13606895506381989},{"word":"say","start":3726.0352,"end":3726.355,"confidence":0.5761719,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.07765132188796997},{"word":"something","start":3726.355,"end":3726.7551,"confidence":0.5932617,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.10512557625770567},{"word":"happened","start":3726.7551,"end":3727.075,"confidence":0.9970703,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.0928814560174942},{"word":"and","start":3727.075,"end":3727.53,"confidence":0.8310547,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.10529537498950958},{"word":"know","start":3727.61,"end":3727.77,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.11528337001800536},{"word":"you","start":3727.77,"end":3728.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1252676397562027},{"word":"had","start":3728.01,"end":3728.17,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.16397640109062195},{"word":"to","start":3728.17,"end":3728.33,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2034013420343399},{"word":"rush","start":3728.33,"end":3728.57,"confidence":0.99902344,"punctuated_word":"rush","sentiment":"neutral","sentiment_score":-0.14420020580291748},{"word":"frank","start":3728.57,"end":3728.81,"confidence":0.9614258,"punctuated_word":"Frank","sentiment":"neutral","sentiment_score":-0.1081135869026184},{"word":"to","start":3728.81,"end":3728.97,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1565743237733841},{"word":"the","start":3728.97,"end":3729.05,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19733840227127075},{"word":"doctors","start":3729.05,"end":3729.45,"confidence":0.9892578,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":-0.12335921823978424},{"word":"and","start":3729.45,"end":3729.61,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12721893191337583},{"word":"needed","start":3729.61,"end":3729.93,"confidence":0.8408203,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":-0.12577852606773376},{"word":"the","start":3729.93,"end":3730.01,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08492472767829895},{"word":"money","start":3730.01,"end":3730.25,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.05693827569484711},{"word":"quickly","start":3730.25,"end":3730.6501,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":-0.0992804616689682},{"word":"for","start":3730.6501,"end":3730.8901,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.137510746717453},{"word":"a","start":3730.8901,"end":3731.05,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11999613791704178},{"word":"specialist","start":3731.05,"end":3731.53,"confidence":1.0,"punctuated_word":"specialist","sentiment":"neutral","sentiment_score":-0.05775761604309082},{"word":"appointment","start":3731.53,"end":3731.93,"confidence":0.9980469,"punctuated_word":"appointment","sentiment":"neutral","sentiment_score":-0.02437742054462433},{"word":"or","start":3731.93,"end":3732.17,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07999216765165329},{"word":"something","start":3732.17,"end":3732.67,"confidence":0.8618164,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":-0.12619176506996155},{"word":"you","start":3732.73,"end":3732.8901,"confidence":0.92333984,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.0901612937450409},{"word":"know","start":3732.8901,"end":3732.97,"confidence":0.9189453,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05862685292959213},{"word":"you","start":3732.97,"end":3733.1301,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03798377513885498},{"word":"do","start":3733.1301,"end":3733.37,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02710988372564316},{"word":"have","start":3733.37,"end":3733.53,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04470258206129074},{"word":"that","start":3733.53,"end":3733.69,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.021555349230766296},{"word":"money","start":3733.69,"end":3734.01,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.036684781312942505},{"word":"there","start":3734.01,"end":3734.17,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.02668776363134384},{"word":"as","start":3734.17,"end":3734.33,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0006976425647735596},{"word":"a","start":3734.33,"end":3734.41,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06323319673538208},{"word":"bit","start":3734.41,"end":3734.6501,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.026883982121944427},{"word":"of","start":3734.6501,"end":3734.73,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10523631423711775},{"word":"a","start":3734.73,"end":3734.8901,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08203746378421783},{"word":"backup","start":3734.8901,"end":3735.21,"confidence":0.9770508,"punctuated_word":"backup","sentiment":"neutral","sentiment_score":-0.07033415883779526},{"word":"as","start":3735.21,"end":3735.37,"confidence":0.49267578,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.028337083756923676},{"word":"a","start":3735.37,"end":3735.45,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08044856786727905},{"word":"buffer","start":3735.45,"end":3735.85,"confidence":1.0,"punctuated_word":"buffer","sentiment":"neutral","sentiment_score":-0.057979829609394073},{"word":"for","start":3735.85,"end":3736.09,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.03617600351572037},{"word":"you","start":3736.09,"end":3736.59,"confidence":0.8083496,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.09741979837417604},{"word":"whereas","start":3737.21,"end":3737.71,"confidence":0.91748047,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":-0.028520509600639343},{"word":"a","start":3737.77,"end":3737.93,"confidence":0.83984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.057146601378917694},{"word":"funeral","start":3737.93,"end":3738.25,"confidence":0.9980469,"punctuated_word":"funeral","sentiment":"neutral","sentiment_score":-0.11045504361391068},{"word":"bond","start":3738.25,"end":3738.57,"confidence":0.9975586,"punctuated_word":"bond,","sentiment":"neutral","sentiment_score":-0.003872312605381012},{"word":"you","start":3738.57,"end":3738.73,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0022920221090316772},{"word":"can't","start":3738.73,"end":3738.97,"confidence":0.9995117,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.008824264630675316},{"word":"pull","start":3738.97,"end":3739.29,"confidence":0.99902344,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":-0.024156317114830017},{"word":"that","start":3739.29,"end":3739.45,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.004985928535461426},{"word":"out","start":3739.45,"end":3739.69,"confidence":0.99365234,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.002669394016265869},{"word":"it","start":3739.69,"end":3739.93,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.019241198897361755},{"word":"has","start":3739.93,"end":3740.25,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.020642399787902832},{"word":"to","start":3740.25,"end":3740.49,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02285416424274445},{"word":"stay","start":3740.49,"end":3740.73,"confidence":0.99609375,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.04509779065847397},{"word":"there","start":3740.73,"end":3741.05,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05151890218257904},{"word":"no","start":3741.05,"end":3741.29,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.062297239899635315},{"word":"matter","start":3741.29,"end":3741.61,"confidence":1.0,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":0.020860619843006138},{"word":"what","start":3741.61,"end":3742.095,"confidence":0.99902344,"punctuated_word":"what.","sentiment":"neutral","sentiment_score":0.04377293959259987},{"word":"you","start":3742.7349,"end":3742.9749,"confidence":0.98095703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07628805935382843},{"word":"don't","start":3742.9749,"end":3743.215,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.0629890188574791},{"word":"have","start":3743.215,"end":3743.375,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.052162736654281616},{"word":"to","start":3743.375,"end":3743.535,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.020235121250152588},{"word":"keep","start":3743.535,"end":3743.775,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.05354926735162735},{"word":"putting","start":3743.775,"end":3744.015,"confidence":0.99609375,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.06969010829925537},{"word":"money","start":3744.015,"end":3744.255,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.07136186212301254},{"word":"in","start":3744.255,"end":3744.415,"confidence":0.9580078,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11557646840810776},{"word":"a","start":3744.415,"end":3744.575,"confidence":0.796875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05144494026899338},{"word":"regular","start":3744.575,"end":3744.895,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":-0.040851056575775146},{"word":"basis","start":3744.895,"end":3745.295,"confidence":0.9970703,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.024236097931861877},{"word":"to","start":3745.295,"end":3745.455,"confidence":0.5761719,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05474264919757843},{"word":"the","start":3745.455,"end":3745.615,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.036678142845630646},{"word":"bond","start":3745.615,"end":3745.855,"confidence":0.8720703,"punctuated_word":"bond.","sentiment":"neutral","sentiment_score":-0.03976365923881531},{"word":"it's","start":3745.855,"end":3746.015,"confidence":0.86328125,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.08690737187862396},{"word":"definitely","start":3746.015,"end":3746.515,"confidence":0.7675781,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.05449141561985016},{"word":"more","start":3746.895,"end":3747.055,"confidence":0.76660156,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.07953735440969467},{"word":"sort","start":3747.055,"end":3747.215,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.07084714621305466},{"word":"of","start":3747.215,"end":3747.375,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06251286715269089},{"word":"up","start":3747.375,"end":3747.535,"confidence":0.9941406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.06756347417831421},{"word":"to","start":3747.535,"end":3747.615,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03047412633895874},{"word":"yourself","start":3747.615,"end":3748.115,"confidence":0.87158203,"punctuated_word":"yourself,","sentiment":"neutral","sentiment_score":-0.023587550967931747},{"word":"but","start":3748.335,"end":3748.4949,"confidence":0.99121094,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03959553688764572},{"word":"there","start":3748.4949,"end":3748.655,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.04657118767499924},{"word":"are","start":3748.655,"end":3748.815,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.06672610342502594},{"word":"the","start":3748.815,"end":3749.055,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.037587642669677734},{"word":"advantages","start":3749.055,"end":3749.555,"confidence":1.0,"punctuated_word":"advantages","sentiment":"neutral","sentiment_score":-0.09382951259613036},{"word":"and","start":3749.615,"end":3749.855,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.147129625082016},{"word":"disadvantages","start":3749.855,"end":3750.355,"confidence":0.9980469,"punctuated_word":"disadvantages.","sentiment":"neutral","sentiment_score":-0.15394413471221924},{"word":"it's","start":3750.575,"end":3750.655,"confidence":0.7402344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.17372751235961914},{"word":"always","start":3750.655,"end":3750.9749,"confidence":0.99902344,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.05764688551425934},{"word":"a","start":3750.9749,"end":3751.055,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12342408299446106},{"word":"good","start":3751.055,"end":3751.555,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.1713414043188095},{"word":"a","start":3751.615,"end":3751.775,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0635392814874649},{"word":"good","start":3751.775,"end":3752.095,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.15951518714427948},{"word":"side","start":3752.095,"end":3752.335,"confidence":0.99316406,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.011578842997550964},{"word":"to","start":3752.335,"end":3752.4949,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05729467421770096},{"word":"the","start":3752.4949,"end":3752.655,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10341452062129974},{"word":"option","start":3752.655,"end":3752.9749,"confidence":0.91796875,"punctuated_word":"option,","sentiment":"neutral","sentiment_score":0.0553768128156662},{"word":"but","start":3752.9749,"end":3753.135,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06096421182155609},{"word":"also","start":3753.135,"end":3753.375,"confidence":0.9560547,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.011535510420799255},{"word":"a","start":3753.375,"end":3753.535,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11494695395231248},{"word":"bad","start":3753.535,"end":3753.775,"confidence":1.0,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":-0.17084357142448425},{"word":"side","start":3753.775,"end":3754.095,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.11796502023935318},{"word":"as","start":3754.095,"end":3754.255,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.15119771659374237},{"word":"well","start":3754.255,"end":3754.4949,"confidence":0.9260254,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.15326668322086334},{"word":"so","start":3754.4949,"end":3754.815,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07509675621986389},{"word":"it's","start":3754.815,"end":3754.895,"confidence":0.97680664,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04835125058889389},{"word":"about","start":3754.895,"end":3755.135,"confidence":0.97314453,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.04931081831455231},{"word":"weighing","start":3755.135,"end":3755.535,"confidence":0.9970703,"punctuated_word":"weighing","sentiment":"neutral","sentiment_score":-0.0463251993060112},{"word":"up","start":3755.535,"end":3755.615,"confidence":0.55615234,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.03699043393135071},{"word":"what's","start":3755.615,"end":3756.015,"confidence":0.9970703,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.02606259286403656},{"word":"right","start":3756.015,"end":3756.255,"confidence":0.9980469,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.06977055966854095},{"word":"for","start":3756.255,"end":3756.4949,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.019051864743232727},{"word":"you","start":3756.4949,"end":3756.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004952549934387207},{"word":"at","start":3756.655,"end":3756.815,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04360803961753845},{"word":"the","start":3756.815,"end":3756.9749,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05100405216217041},{"word":"time","start":3756.9749,"end":3757.4749,"confidence":0.9995117,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.03757801651954651},{"word":"yeah","start":3759.48,"end":3759.8801,"confidence":0.9489746,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.002494438085705042},{"word":"that's","start":3759.8801,"end":3760.2,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.36018773913383484},{"word":"okay","start":3760.2,"end":3760.7,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.27585864067077637},{"word":"i","start":3761.48,"end":3761.6401,"confidence":0.66259766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08534334599971771},{"word":"also","start":3761.6401,"end":3761.96,"confidence":0.98828125,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.060771360993385315},{"word":"just","start":3761.96,"end":3762.12,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05862553045153618},{"word":"wanted","start":3762.12,"end":3762.44,"confidence":0.5473633,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.058019861578941345},{"word":"to","start":3762.44,"end":3762.52,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0671832412481308},{"word":"update","start":3762.52,"end":3762.76,"confidence":0.80688477,"punctuated_word":"update.","sentiment":"neutral","sentiment_score":0.09174348413944244},{"word":"now","start":3762.76,"end":3763.08,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0401480495929718},{"word":"with","start":3763.08,"end":3763.24,"confidence":0.96533203,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0277871023863554},{"word":"the","start":3763.24,"end":3763.48,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030097149312496185},{"word":"funeral","start":3763.48,"end":3763.8,"confidence":0.99902344,"punctuated_word":"funeral","sentiment":"neutral","sentiment_score":0.035758126527071},{"word":"accounts","start":3763.8,"end":3764.12,"confidence":0.97216797,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.024941720068454742},{"word":"how","start":3764.12,"end":3764.28,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.018160317093133926},{"word":"much","start":3764.28,"end":3764.44,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.02129438892006874},{"word":"do","start":3764.44,"end":3764.6,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.015807554125785828},{"word":"you","start":3764.6,"end":3764.76,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02788364142179489},{"word":"have","start":3764.76,"end":3764.9202,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02367713302373886},{"word":"in","start":3764.9202,"end":3765.0,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.027312584221363068},{"word":"there","start":3765.0,"end":3765.1602,"confidence":0.9941406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.022787591442465786},{"word":"at","start":3765.1602,"end":3765.32,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01897064596414566},{"word":"the","start":3765.32,"end":3765.48,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03463806211948395},{"word":"moment","start":3765.48,"end":3765.98,"confidence":1.0,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.03400079905986786},{"word":"okay","start":3770.535,"end":3771.015,"confidence":0.9904785,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.25612393021583557},{"word":"fantastic","start":3771.015,"end":3771.515,"confidence":0.9995117,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6869657039642334},{"word":"beautiful","start":3773.655,"end":3774.155,"confidence":0.9975586,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6545820832252502},{"word":"and","start":3774.935,"end":3775.175,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1866888701915741},{"word":"you","start":3775.175,"end":3775.335,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12568466365337372},{"word":"said","start":3775.335,"end":3775.575,"confidence":0.99902344,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.10317370295524596},{"word":"you","start":3775.575,"end":3775.7349,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10338471829891203},{"word":"put","start":3775.7349,"end":3776.135,"confidence":0.9941406,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.08687783032655716},{"word":"about","start":3776.135,"end":3776.4548,"confidence":0.9941406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10929539799690248},{"word":"$20","start":3776.4548,"end":3777.275,"confidence":1.0,"punctuated_word":"$20","sentiment":"neutral","sentiment_score":0.06278182566165924},{"word":"per","start":3777.4949,"end":3777.895,"confidence":0.81347656,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.04428525269031525},{"word":"week","start":3777.895,"end":3778.135,"confidence":0.99609375,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.051081083714962006},{"word":"in","start":3778.135,"end":3778.295,"confidence":0.97998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08112750947475433},{"word":"there","start":3778.295,"end":3778.4548,"confidence":0.81396484,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09233759343624116},{"word":"is","start":3778.4548,"end":3778.695,"confidence":0.8911133,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03657663613557816},{"word":"that","start":3778.695,"end":3778.775,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04620528221130371},{"word":"per","start":3779.015,"end":3779.175,"confidence":0.88964844,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.03088836371898651},{"word":"month","start":3779.175,"end":3779.4949,"confidence":0.9892578,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.049266766756772995},{"word":"in","start":3779.4949,"end":3779.575,"confidence":0.8510742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.052965421229600906},{"word":"there","start":3779.575,"end":3779.7349,"confidence":0.92456055,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.07375986874103546},{"word":"sorry","start":3779.7349,"end":3780.2349,"confidence":0.79174805,"punctuated_word":"Sorry?","sentiment":"neutral","sentiment_score":0.03397834300994873},{"word":"oh","start":3789.59,"end":3790.07,"confidence":0.9094238,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.655444860458374},{"word":"fantastic","start":3790.07,"end":3790.57,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.705219566822052},{"word":"excellent","start":3792.3901,"end":3792.8901,"confidence":0.9951172,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6715152859687805},{"word":"lovely","start":3795.845,"end":3796.345,"confidence":1.0,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.6465198397636414},{"word":"well","start":3796.405,"end":3796.645,"confidence":0.9926758,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.2510700523853302},{"word":"feel","start":3796.645,"end":3796.805,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.234851598739624},{"word":"free","start":3796.805,"end":3797.045,"confidence":1.0,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.24762871861457825},{"word":"to","start":3797.045,"end":3797.125,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2275209277868271},{"word":"have","start":3797.125,"end":3797.365,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24132488667964935},{"word":"a","start":3797.365,"end":3797.445,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20621822774410248},{"word":"chat","start":3797.445,"end":3797.685,"confidence":0.9223633,"punctuated_word":"chat.","sentiment":"neutral","sentiment_score":0.28309357166290283},{"word":"if","start":3797.685,"end":3797.845,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.16995295882225037},{"word":"you","start":3797.845,"end":3798.085,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16457904875278473},{"word":"decide","start":3798.085,"end":3798.565,"confidence":0.9980469,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.14460793137550354},{"word":"you","start":3798.565,"end":3798.725,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1371191293001175},{"word":"wanted","start":3798.725,"end":3799.125,"confidence":0.9951172,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.10670372098684312},{"word":"to","start":3799.125,"end":3799.205,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1300872564315796},{"word":"go","start":3799.205,"end":3799.445,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.16656209528446198},{"word":"down","start":3799.445,"end":3799.605,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.21842342615127563},{"word":"that","start":3799.605,"end":3799.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23928795754909515},{"word":"route","start":3799.845,"end":3800.165,"confidence":0.9941406,"punctuated_word":"route,","sentiment":"neutral","sentiment_score":0.1811465620994568},{"word":"you","start":3800.165,"end":3800.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14353735744953156},{"word":"can","start":3800.325,"end":3800.4849,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1296657770872116},{"word":"let","start":3800.4849,"end":3800.725,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.18324418365955353},{"word":"me","start":3800.725,"end":3800.885,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1822679191827774},{"word":"know","start":3800.885,"end":3801.125,"confidence":0.99560547,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.21536776423454285},{"word":"in","start":3801.125,"end":3801.365,"confidence":1.0,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.026645071804523468},{"word":"the","start":3801.365,"end":3801.525,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015800196677446365},{"word":"meantime","start":3801.525,"end":3802.025,"confidence":0.9995117,"punctuated_word":"meantime,","sentiment":"neutral","sentiment_score":-0.0006624553352594376},{"word":"i","start":3802.085,"end":3802.165,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00987211987376213},{"word":"would","start":3802.165,"end":3802.405,"confidence":0.9838867,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.019167661666870117},{"word":"just","start":3802.405,"end":3802.565,"confidence":0.9301758,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.012972459197044373},{"word":"leave","start":3802.565,"end":3802.805,"confidence":0.99902344,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.03367551416158676},{"word":"that","start":3802.805,"end":3802.965,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04592321813106537},{"word":"there","start":3802.965,"end":3803.285,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06732381880283356},{"word":"as","start":3803.285,"end":3803.525,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03928341716527939},{"word":"that","start":3803.525,"end":3804.025,"confidence":0.767334,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.06287813186645508},{"word":"and","start":3804.325,"end":3804.4849,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.015972398221492767},{"word":"not","start":3804.4849,"end":3804.725,"confidence":0.984375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.02563171461224556},{"word":"sort","start":3804.725,"end":3804.885,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03185954689979553},{"word":"of","start":3804.885,"end":3805.125,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06109480932354927},{"word":"account","start":3805.125,"end":3805.445,"confidence":0.9980469,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.029530510306358337},{"word":"for","start":3805.445,"end":3805.605,"confidence":0.9902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04690222069621086},{"word":"it","start":3805.605,"end":3805.845,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.06070941314101219},{"word":"okay","start":3805.845,"end":3806.345,"confidence":0.9880371,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.07385513186454773},{"word":"excellent","start":3808.61,"end":3809.11,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.37558382749557495},{"word":"now","start":3809.4102,"end":3809.73,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08479706943035126},{"word":"other","start":3809.73,"end":3809.9702,"confidence":0.99316406,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07384254038333893},{"word":"bank","start":3809.9702,"end":3810.2102,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.1421968787908554},{"word":"accounts","start":3810.2102,"end":3810.53,"confidence":0.9980469,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.07291951775550842},{"word":"and","start":3810.53,"end":3810.6902,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04801351577043533},{"word":"things","start":3810.6902,"end":3811.01,"confidence":0.9592285,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.04191917926073074},{"word":"do","start":3811.01,"end":3811.1702,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.024254795163869854},{"word":"you","start":3811.1702,"end":3811.33,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03455520048737526},{"word":"have","start":3811.33,"end":3811.49,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04397672414779663},{"word":"any","start":3811.49,"end":3811.73,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06105861067771912},{"word":"other","start":3811.73,"end":3811.9702,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.06585609912872314},{"word":"term","start":3811.9702,"end":3812.29,"confidence":0.9951172,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.07503071427345276},{"word":"deposits","start":3812.29,"end":3812.6902,"confidence":0.99609375,"punctuated_word":"deposits","sentiment":"neutral","sentiment_score":0.06581848859786987},{"word":"or","start":3812.6902,"end":3812.9302,"confidence":0.99121094,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05265071988105774},{"word":"large","start":3812.9302,"end":3813.1702,"confidence":0.9838867,"punctuated_word":"large","sentiment":"neutral","sentiment_score":0.08943649381399155},{"word":"savings","start":3813.1702,"end":3813.6501,"confidence":0.99902344,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.11154547333717346},{"word":"accounts","start":3813.6501,"end":3813.9702,"confidence":0.9951172,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.061922844499349594},{"word":"that","start":3813.9702,"end":3814.2102,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06843961775302887},{"word":"centrelink","start":3814.2102,"end":3814.7102,"confidence":0.9930013,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":0.15211933851242063},{"word":"would","start":3814.77,"end":3814.9302,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0747150331735611},{"word":"wanna","start":3814.9302,"end":3815.25,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08455131202936172},{"word":"know","start":3815.25,"end":3815.49,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.06801475584506989},{"word":"about","start":3815.49,"end":3815.99,"confidence":0.99902344,"punctuated_word":"about?","sentiment":"neutral","sentiment_score":0.06623087078332901},{"word":"yep","start":3824.785,"end":3825.285,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0545208603143692},{"word":"yep","start":3828.865,"end":3829.365,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04685348272323608},{"word":"no","start":3831.44,"end":3831.68,"confidence":0.97875977,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06454454362392426},{"word":"that's","start":3831.68,"end":3832.0,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07558217644691467},{"word":"okay","start":3832.0,"end":3832.4,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.0978020429611206},{"word":"that's","start":3832.4,"end":3832.72,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2225492298603058},{"word":"not","start":3832.72,"end":3832.96,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.18551093339920044},{"word":"a","start":3832.96,"end":3833.1199,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12163640558719636},{"word":"problem","start":3833.1199,"end":3833.44,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.09236136823892592},{"word":"at","start":3833.44,"end":3833.5999,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09595800191164015},{"word":"all","start":3833.5999,"end":3834.0798,"confidence":0.9667969,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.10008659213781355},{"word":"1,000","start":3834.0798,"end":3834.7998,"confidence":0.7817383,"punctuated_word":"1,000","sentiment":"neutral","sentiment_score":0.08414816856384277},{"word":"there","start":3834.7998,"end":3835.1199,"confidence":0.9975586,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11241406202316284},{"word":"beautiful","start":3835.1199,"end":3835.6199,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.48580849170684814},{"word":"well","start":3835.7598,"end":3835.92,"confidence":0.88916016,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.32291579246520996},{"word":"thank","start":3835.92,"end":3836.0798,"confidence":1.0,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.5431628823280334},{"word":"you","start":3836.0798,"end":3836.24,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5224527716636658},{"word":"for","start":3836.24,"end":3836.48,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5497748851776123},{"word":"updating","start":3836.48,"end":3836.96,"confidence":1.0,"punctuated_word":"updating","sentiment":"positive","sentiment_score":0.4242744445800781},{"word":"those","start":3836.96,"end":3837.2798,"confidence":1.0,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.374663382768631},{"word":"details","start":3837.2798,"end":3837.7798,"confidence":1.0,"punctuated_word":"details","sentiment":"positive","sentiment_score":0.5004648566246033},{"word":"there","start":3837.8398,"end":3838.0798,"confidence":0.99609375,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.5175665020942688},{"word":"for","start":3838.0798,"end":3838.3198,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5528131723403931},{"word":"me","start":3838.3198,"end":3838.8198,"confidence":1.0,"punctuated_word":"me.","sentiment":"positive","sentiment_score":0.4593554139137268},{"word":"now","start":3839.5198,"end":3839.7598,"confidence":0.6464844,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09876400977373125},{"word":"i","start":3839.7598,"end":3839.92,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07789424061775208},{"word":"also","start":3839.92,"end":3840.24,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.05463363230228424},{"word":"had","start":3840.24,"end":3840.4,"confidence":0.9951172,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.09333299100399016},{"word":"it","start":3840.4,"end":3840.5598,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0756249949336052},{"word":"noted","start":3840.5598,"end":3841.0398,"confidence":0.8046875,"punctuated_word":"noted.","sentiment":"neutral","sentiment_score":0.06726720929145813},{"word":"we","start":3841.0398,"end":3841.2,"confidence":0.9970703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.057125888764858246},{"word":"do","start":3841.2,"end":3841.3599,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07832805812358856},{"word":"check","start":3841.3599,"end":3841.5198,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.09161099791526794},{"word":"this","start":3841.5198,"end":3841.7598,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07275412976741791},{"word":"every","start":3841.7598,"end":3842.0798,"confidence":0.9980469,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.04656268656253815},{"word":"year","start":3842.0798,"end":3842.24,"confidence":0.98535156,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.06060329079627991},{"word":"with","start":3842.24,"end":3842.48,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06837437301874161},{"word":"you","start":3842.48,"end":3842.64,"confidence":0.9501953,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.07933986186981201},{"word":"but","start":3842.64,"end":3842.7998,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05405618995428085},{"word":"the","start":3842.7998,"end":3842.88,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04377463087439537},{"word":"last","start":3842.88,"end":3843.1199,"confidence":0.9951172,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.01345903053879738},{"word":"time","start":3843.1199,"end":3843.2798,"confidence":0.9941406,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.04943223670125008},{"word":"you","start":3843.2798,"end":3843.44,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04047191143035889},{"word":"guys","start":3843.44,"end":3843.94,"confidence":0.99609375,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.08868114650249481},{"word":"updated","start":3844.0251,"end":3844.185,"confidence":0.99121094,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.05499732121825218},{"word":"your","start":3844.185,"end":3844.425,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03902263194322586},{"word":"will","start":3844.425,"end":3844.745,"confidence":0.9902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07353760302066803},{"word":"was","start":3844.745,"end":3844.985,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04502500593662262},{"word":"2010","start":3844.985,"end":3846.185,"confidence":0.9980469,"punctuated_word":"2010.","sentiment":"neutral","sentiment_score":0.10357342660427094},{"word":"is","start":3846.185,"end":3846.5051,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03466922789812088},{"word":"your","start":3846.5051,"end":3846.665,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05038384720683098},{"word":"will","start":3846.665,"end":3846.985,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07250212132930756},{"word":"still","start":3846.985,"end":3847.3052,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03343185782432556},{"word":"valid","start":3847.3052,"end":3847.7852,"confidence":0.9970703,"punctuated_word":"valid?","sentiment":"neutral","sentiment_score":0.0412769578397274},{"word":"is","start":3847.7852,"end":3847.945,"confidence":0.9921875,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.033870235085487366},{"word":"it","start":3847.945,"end":3848.0251,"confidence":0.9394531,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06212723255157471},{"word":"still","start":3848.0251,"end":3848.5251,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03675170987844467},{"word":"suited","start":3849.225,"end":3849.465,"confidence":0.7841797,"punctuated_word":"suited","sentiment":"neutral","sentiment_score":0.04229205474257469},{"word":"to","start":3849.465,"end":3849.625,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04054136201739311},{"word":"your","start":3849.625,"end":3849.945,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04416060447692871},{"word":"circumstances","start":3849.945,"end":3850.445,"confidence":0.97094727,"punctuated_word":"circumstances,","sentiment":"neutral","sentiment_score":0.07846593856811523},{"word":"do","start":3850.745,"end":3850.825,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05340500921010971},{"word":"you","start":3850.825,"end":3850.985,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.058808088302612305},{"word":"think","start":3850.985,"end":3851.485,"confidence":0.99902344,"punctuated_word":"think?","sentiment":"neutral","sentiment_score":0.0686207041144371},{"word":"yes","start":3853.465,"end":3853.965,"confidence":0.77978516,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06337517499923706},{"word":"yep","start":3863.88,"end":3864.38,"confidence":0.9172363,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1016170084476471},{"word":"no","start":3864.44,"end":3864.68,"confidence":0.93652344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.09632374346256256},{"word":"that's","start":3864.68,"end":3865.0,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1593758463859558},{"word":"not","start":3865.0,"end":3865.24,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1667809635400772},{"word":"a","start":3865.24,"end":3865.32,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12939932942390442},{"word":"problem","start":3865.32,"end":3865.8,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.20459061861038208},{"word":"at","start":3865.8,"end":3865.96,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.23116500675678253},{"word":"all","start":3865.96,"end":3866.46,"confidence":0.99560547,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.19117754697799683},{"word":"and","start":3867.32,"end":3867.64,"confidence":0.7783203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15727202594280243},{"word":"when","start":3867.64,"end":3867.88,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12334392964839937},{"word":"you","start":3867.88,"end":3868.1199,"confidence":0.9667969,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1412734091281891},{"word":"do","start":3868.1199,"end":3868.52,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1073932722210884},{"word":"turn","start":3868.52,"end":3868.8398,"confidence":0.9902344,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.12986809015274048},{"word":"67","start":3868.8398,"end":3869.56,"confidence":0.9995117,"punctuated_word":"67","sentiment":"neutral","sentiment_score":0.12854167819023132},{"word":"and","start":3869.56,"end":3869.72,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07083287090063095},{"word":"fully","start":3869.72,"end":3870.2,"confidence":1.0,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.1591610163450241},{"word":"retire","start":3870.2,"end":3870.7,"confidence":0.9975586,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":0.11193142831325532},{"word":"if","start":3871.285,"end":3871.365,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14127063751220703},{"word":"you","start":3871.365,"end":3871.525,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1372213512659073},{"word":"do","start":3871.525,"end":3871.685,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11308231949806212},{"word":"need","start":3871.685,"end":3871.845,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.12347275763750076},{"word":"to","start":3871.845,"end":3872.0051,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10844776034355164},{"word":"sort","start":3872.0051,"end":3872.165,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08609121292829514},{"word":"of","start":3872.165,"end":3872.245,"confidence":0.78125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11647370457649232},{"word":"take","start":3872.245,"end":3872.485,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.12249362468719482},{"word":"a","start":3872.485,"end":3872.565,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1371515393257141},{"word":"little","start":3872.565,"end":3872.725,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.13703672587871552},{"word":"bit","start":3872.725,"end":3872.885,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1397775560617447},{"word":"of","start":3872.885,"end":3873.045,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1516975313425064},{"word":"money","start":3873.045,"end":3873.365,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.13536468148231506},{"word":"out","start":3873.365,"end":3873.525,"confidence":0.96875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09620650112628935},{"word":"of","start":3873.525,"end":3873.685,"confidence":0.96972656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1676405519247055},{"word":"super","start":3873.685,"end":3874.085,"confidence":0.7680664,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2257501184940338},{"word":"at","start":3874.085,"end":3874.245,"confidence":0.98095703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1623421460390091},{"word":"the","start":3874.245,"end":3874.325,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20009249448776245},{"word":"same","start":3874.325,"end":3874.565,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.17306286096572876},{"word":"time","start":3874.565,"end":3874.885,"confidence":0.9980469,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.20241278409957889},{"word":"to","start":3874.885,"end":3875.125,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17801226675510406},{"word":"replenish","start":3875.125,"end":3875.625,"confidence":0.9946289,"punctuated_word":"replenish","sentiment":"neutral","sentiment_score":0.21501044929027557},{"word":"your","start":3875.685,"end":3875.845,"confidence":0.90625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21767589449882507},{"word":"income","start":3875.845,"end":3876.345,"confidence":0.984375,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.21592172980308533},{"word":"just","start":3877.125,"end":3877.525,"confidence":0.8745117,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1951804757118225},{"word":"confirming","start":3877.525,"end":3878.025,"confidence":0.78637695,"punctuated_word":"confirming,","sentiment":"neutral","sentiment_score":0.2311759889125824},{"word":"you","start":3878.245,"end":3878.405,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2072814702987671},{"word":"would","start":3878.405,"end":3878.725,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.23298153281211853},{"word":"wanna","start":3878.725,"end":3879.045,"confidence":0.9741211,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.27972090244293213},{"word":"keep","start":3879.045,"end":3879.285,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2704944312572479},{"word":"your","start":3879.285,"end":3879.525,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2451459765434265},{"word":"beneficiaries","start":3879.525,"end":3880.025,"confidence":0.99902344,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.24110360443592072},{"word":"nominated","start":3880.325,"end":3880.805,"confidence":1.0,"punctuated_word":"nominated","sentiment":"neutral","sentiment_score":0.303663969039917},{"word":"to","start":3880.805,"end":3881.045,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21647165715694427},{"word":"each","start":3881.045,"end":3881.205,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.17332102358341217},{"word":"other","start":3881.205,"end":3881.685,"confidence":0.8598633,"punctuated_word":"other.","sentiment":"neutral","sentiment_score":0.14493757486343384},{"word":"so","start":3881.685,"end":3882.0051,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03453617915511131},{"word":"frank","start":3882.0051,"end":3882.325,"confidence":0.9658203,"punctuated_word":"Frank","sentiment":"neutral","sentiment_score":0.03737109899520874},{"word":"to","start":3882.325,"end":3882.485,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02770385518670082},{"word":"robin","start":3882.485,"end":3882.805,"confidence":0.9584961,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.031546421349048615},{"word":"robin","start":3882.805,"end":3883.125,"confidence":0.99609375,"punctuated_word":"Robin","sentiment":"neutral","sentiment_score":0.035529233515262604},{"word":"to","start":3883.125,"end":3883.285,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03610747680068016},{"word":"frank","start":3883.285,"end":3883.785,"confidence":0.8269043,"punctuated_word":"Frank.","sentiment":"neutral","sentiment_score":0.042305901646614075},{"word":"yep","start":3885.39,"end":3885.89,"confidence":0.7573242,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15161526203155518},{"word":"beautiful","start":3886.1099,"end":3886.6099,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.37920504808425903},{"word":"no","start":3889.55,"end":3890.03,"confidence":0.9638672,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04658800736069679},{"word":"beautiful","start":3890.03,"end":3890.53,"confidence":0.9975586,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3667802810668946},{"word":"beautiful","start":3890.75,"end":3891.25,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4362713098526001},{"word":"lovely","start":3892.91,"end":3893.41,"confidence":0.9995117,"punctuated_word":"Lovely.","sentiment":"neutral","sentiment_score":-0.0028627177234739065},{"word":"so","start":3894.1099,"end":3894.27,"confidence":0.6274414,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12977395951747894},{"word":"what","start":3894.27,"end":3894.51,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16490040719509125},{"word":"i","start":3894.51,"end":3894.5898,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1677825152873993},{"word":"can","start":3894.5898,"end":3894.8298,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15586945414543152},{"word":"also","start":3894.8298,"end":3895.23,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1260441243648529},{"word":"look","start":3895.23,"end":3895.39,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1207127571105957},{"word":"at","start":3895.39,"end":3895.55,"confidence":0.7692871,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.1655769646167755},{"word":"if","start":3895.55,"end":3895.71,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1672444045543671},{"word":"you're","start":3895.71,"end":3895.95,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.14069713652133942},{"word":"comfortable","start":3895.95,"end":3896.45,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.09863555431365968},{"word":"with","start":3896.51,"end":3896.67,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2095300257205963},{"word":"me","start":3896.67,"end":3896.91,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.25550103187561035},{"word":"doing","start":3896.91,"end":3897.39,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.19980168342590332},{"word":"so","start":3897.39,"end":3897.71,"confidence":0.96875,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.199727326631546},{"word":"is","start":3897.71,"end":3898.21,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15731574594974518},{"word":"when","start":3898.855,"end":3899.175,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1494879424571991},{"word":"you","start":3899.175,"end":3899.2551,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19942231476306915},{"word":"do","start":3899.2551,"end":3899.495,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13849636912345886},{"word":"get","start":3899.495,"end":3899.735,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15942615270614624},{"word":"to","start":3899.735,"end":3899.895,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10833124816417694},{"word":"67","start":3899.895,"end":3900.5352,"confidence":0.99902344,"punctuated_word":"67","sentiment":"neutral","sentiment_score":0.1278728544712067},{"word":"there","start":3900.5352,"end":3900.855,"confidence":0.98657227,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.15242968499660492},{"word":"robin","start":3900.855,"end":3901.175,"confidence":0.96118164,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.15298061072826383},{"word":"and","start":3901.175,"end":3901.3352,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10314080864191057},{"word":"you","start":3901.3352,"end":3901.5752,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13086341321468353},{"word":"do","start":3901.5752,"end":3901.8152,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11523400247097015},{"word":"maybe","start":3901.8152,"end":3902.3152,"confidence":0.9160156,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.11818265914916992},{"word":"on","start":3902.5352,"end":3902.855,"confidence":0.6401367,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12789276242256165},{"word":"the","start":3902.855,"end":3902.935,"confidence":0.8178711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13507066667079926},{"word":"age","start":3902.935,"end":3903.175,"confidence":0.9472656,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.11370745301246644},{"word":"pension","start":3903.175,"end":3903.495,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.08412569761276245},{"word":"with","start":3903.495,"end":3903.735,"confidence":0.98535156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15682998299598694},{"word":"the","start":3903.735,"end":3903.8152,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18316712975502017},{"word":"both","start":3903.8152,"end":3904.0552,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.2281941324472427},{"word":"of","start":3904.0552,"end":3904.215,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19897812604904175},{"word":"you","start":3904.215,"end":3904.375,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24632374942302704},{"word":"getting","start":3904.375,"end":3904.695,"confidence":0.6010742,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.2133348137140274},{"word":"full","start":3904.695,"end":3904.855,"confidence":0.98828125,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.2298637330532074},{"word":"age","start":3904.855,"end":3905.095,"confidence":0.9707031,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.2415349930524826},{"word":"pension","start":3905.095,"end":3905.495,"confidence":0.8898926,"punctuated_word":"pension,","sentiment":"neutral","sentiment_score":0.23146766424179077},{"word":"hopefully","start":3905.495,"end":3905.995,"confidence":0.9926758,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.2628944218158722},{"word":"and","start":3906.5352,"end":3906.695,"confidence":0.9267578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20657828450202945},{"word":"maybe","start":3906.695,"end":3907.0151,"confidence":0.9873047,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.2059629261493683},{"word":"drawing","start":3907.0151,"end":3907.415,"confidence":0.99609375,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":0.22255289554595947},{"word":"a","start":3907.415,"end":3907.495,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16395018994808197},{"word":"little","start":3907.495,"end":3907.655,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.14813333749771118},{"word":"bit","start":3907.655,"end":3907.8152,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12296050786972046},{"word":"out","start":3907.8152,"end":3907.975,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.16316068172454834},{"word":"of","start":3907.975,"end":3908.0552,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13381406664848328},{"word":"your","start":3908.0552,"end":3908.375,"confidence":0.9448242,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19456563889980316},{"word":"sofa","start":3908.375,"end":3908.875,"confidence":0.704834,"punctuated_word":"sofa,","sentiment":"neutral","sentiment_score":0.14493539929389954},{"word":"did","start":3909.2551,"end":3909.495,"confidence":0.9790039,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.09345339238643646},{"word":"you","start":3909.495,"end":3909.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12443330883979796},{"word":"want","start":3909.655,"end":3909.8152,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.1026955246925354},{"word":"me","start":3909.8152,"end":3909.975,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.13711419701576233},{"word":"to","start":3909.975,"end":3910.135,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09025105088949203},{"word":"look","start":3910.135,"end":3910.2952,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06420157849788666},{"word":"at","start":3910.2952,"end":3910.5352,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07054975628852844},{"word":"whether","start":3910.5352,"end":3910.7751,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.07615280151367188},{"word":"we","start":3910.7751,"end":3911.0151,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06907910853624344},{"word":"move","start":3911.0151,"end":3911.415,"confidence":0.9667969,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.08591629564762115},{"word":"fully","start":3911.415,"end":3911.895,"confidence":1.0,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.14379063248634338},{"word":"into","start":3911.895,"end":3912.2952,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.061034053564071655},{"word":"pension","start":3912.2952,"end":3912.7751,"confidence":0.9970703,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.07845202088356018},{"word":"phase","start":3912.7751,"end":3913.175,"confidence":0.99609375,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.11067061126232149},{"word":"or","start":3913.175,"end":3913.415,"confidence":0.9291992,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07043203711509705},{"word":"whether","start":3913.415,"end":3913.655,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.039363522082567215},{"word":"we","start":3913.655,"end":3913.95,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07051821798086166},{"word":"stay","start":3914.03,"end":3914.3499,"confidence":0.99902344,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.06245105341076851},{"word":"in","start":3914.3499,"end":3914.43,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.058850787580013275},{"word":"the","start":3914.43,"end":3914.67,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10771667212247849},{"word":"super","start":3914.67,"end":3915.07,"confidence":0.9633789,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.14763405919075012},{"word":"that","start":3915.07,"end":3915.23,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12074987590312958},{"word":"we're","start":3915.23,"end":3915.47,"confidence":0.9926758,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1233731359243393},{"word":"in","start":3915.47,"end":3915.71,"confidence":0.9428711,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.07929758727550507},{"word":"do","start":3915.71,"end":3915.79,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.008640106767416},{"word":"you","start":3915.79,"end":3916.03,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013218730688095093},{"word":"understand","start":3916.03,"end":3916.43,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.007828466594219208},{"word":"the","start":3916.43,"end":3916.5898,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0028647705912590027},{"word":"difference","start":3916.5898,"end":3916.99,"confidence":0.99902344,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.040422409772872925},{"word":"between","start":3916.99,"end":3917.31,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.009646542370319366},{"word":"the","start":3917.31,"end":3917.47,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.017735391855239868},{"word":"two","start":3917.47,"end":3917.97,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.03943944349884987},{"word":"accounts","start":3918.19,"end":3918.5898,"confidence":0.97998047,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":-0.022931870073080063},{"word":"and","start":3918.5898,"end":3918.8298,"confidence":0.9604492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.015378642827272415},{"word":"phases","start":3918.8298,"end":3919.3298,"confidence":0.9926758,"punctuated_word":"phases?","sentiment":"neutral","sentiment_score":-0.003285760059952736},{"word":"that's","start":3927.3848,"end":3927.7048,"confidence":0.8300781,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08941429853439331},{"word":"right","start":3927.7048,"end":3928.025,"confidence":0.9995117,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.1538153737783432},{"word":"so","start":3928.025,"end":3928.345,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14272937178611755},{"word":"when","start":3928.345,"end":3928.505,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1778574287891388},{"word":"you're","start":3928.505,"end":3928.7449,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1954374760389328},{"word":"in","start":3928.7449,"end":3928.9048,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18326476216316223},{"word":"that","start":3928.9048,"end":3929.065,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20536595582962036},{"word":"pension","start":3929.065,"end":3929.545,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.1271210014820099},{"word":"phase","start":3929.545,"end":3930.025,"confidence":0.9980469,"punctuated_word":"phase,","sentiment":"neutral","sentiment_score":0.16240735352039337},{"word":"they","start":3930.025,"end":3930.265,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.10907310247421265},{"word":"have","start":3930.265,"end":3930.505,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.098284550011158},{"word":"a","start":3930.505,"end":3930.6648,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11464673280715942},{"word":"minimum","start":3930.6648,"end":3931.1648,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.030773483216762543},{"word":"balance","start":3931.2249,"end":3931.545,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.015999823808670044},{"word":"that","start":3931.545,"end":3931.7048,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15115052461624146},{"word":"you","start":3931.7048,"end":3931.9448,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.147485613822937},{"word":"have","start":3931.9448,"end":3932.1848,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10708735138177872},{"word":"to","start":3932.1848,"end":3932.265,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0750468298792839},{"word":"be","start":3932.265,"end":3932.4248,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08016037195920944},{"word":"able","start":3932.4248,"end":3932.6648,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1463497430086136},{"word":"to","start":3932.6648,"end":3932.825,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11886920034885406},{"word":"draw","start":3932.825,"end":3933.1448,"confidence":1.0,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.04755953699350357},{"word":"out","start":3933.1448,"end":3933.4648,"confidence":0.9604492,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.11246955394744872},{"word":"which","start":3933.4648,"end":3933.9648,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.14308419823646543},{"word":"at","start":3934.4248,"end":3934.505,"confidence":0.64160156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09945841133594512},{"word":"age","start":3934.505,"end":3934.9048,"confidence":0.9902344,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.06203223764896393},{"word":"67","start":3934.9048,"end":3935.545,"confidence":0.99853516,"punctuated_word":"67","sentiment":"neutral","sentiment_score":0.1028519868850708},{"word":"is","start":3935.545,"end":3935.785,"confidence":0.8857422,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0968642383813858},{"word":"about","start":3935.785,"end":3936.105,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09207959473133089},{"word":"5%","start":3936.105,"end":3936.825,"confidence":1.0,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.1164797991514206},{"word":"of","start":3936.825,"end":3936.9048,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.057343460619449615},{"word":"your","start":3936.9048,"end":3937.1448,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10160405188798904},{"word":"total","start":3937.1448,"end":3937.545,"confidence":1.0,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.05688679963350296},{"word":"balance","start":3937.545,"end":3938.045,"confidence":0.97314453,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":0.04229072853922844},{"word":"but","start":3938.505,"end":3938.825,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.021535709500312805},{"word":"looking","start":3938.825,"end":3939.1448,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.03015467524528503},{"word":"at","start":3939.1448,"end":3939.3848,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.015409126877784727},{"word":"the","start":3939.3848,"end":3939.545,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014512285590171814},{"word":"way","start":3939.545,"end":3939.785,"confidence":0.9970703,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.0683988407254219},{"word":"your","start":3939.785,"end":3940.025,"confidence":0.5678711,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06811578571796417},{"word":"super","start":3940.025,"end":3940.345,"confidence":0.89208984,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.14171405136585236},{"word":"is","start":3940.345,"end":3940.505,"confidence":0.9838867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1450442373752594},{"word":"with","start":3940.505,"end":3940.6648,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11099959164857864},{"word":"your","start":3940.6648,"end":3940.825,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09201399981975555},{"word":"total","start":3940.825,"end":3941.2249,"confidence":1.0,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.0666525661945343},{"word":"balance","start":3941.2249,"end":3941.7048,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.09206294268369676},{"word":"there","start":3941.7048,"end":3942.2048,"confidence":0.99560547,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.050097305327653885},{"word":"you","start":3942.69,"end":3942.93,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017757751047611237},{"word":"might","start":3942.93,"end":3943.17,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.027373164892196655},{"word":"be","start":3943.17,"end":3943.41,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.013849295675754549},{"word":"drawing","start":3943.41,"end":3943.81,"confidence":0.99902344,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":-0.014384374022483826},{"word":"a","start":3943.81,"end":3943.89,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05369650572538376},{"word":"bit","start":3943.89,"end":3944.05,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06781105697154999},{"word":"more","start":3944.05,"end":3944.29,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.06438891589641571},{"word":"out","start":3944.29,"end":3944.53,"confidence":0.9980469,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.014751002192497252},{"word":"so","start":3944.53,"end":3944.8499,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.019853509962558743},{"word":"if","start":3944.8499,"end":3945.0898,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0393863283097744},{"word":"at","start":3945.0898,"end":3945.33,"confidence":0.50634766,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1482129842042923},{"word":"the","start":3945.33,"end":3945.41,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0803336575627327},{"word":"moment","start":3945.41,"end":3945.81,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.09698599576950072},{"word":"with","start":3945.81,"end":3946.05,"confidence":0.68603516,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05534131079912186},{"word":"the","start":3946.05,"end":3946.21,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06897702813148499},{"word":"age","start":3946.21,"end":3946.3699,"confidence":0.94970703,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.07423196732997894},{"word":"pension","start":3946.3699,"end":3946.8699,"confidence":0.9719238,"punctuated_word":"pension,","sentiment":"neutral","sentiment_score":-0.06591588258743286},{"word":"it's","start":3946.93,"end":3947.25,"confidence":0.7949219,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05105740949511528},{"word":"the","start":3947.25,"end":3947.41,"confidence":0.9248047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.025296494364738464},{"word":"two","start":3947.41,"end":3947.65,"confidence":0.9941406,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.012459821999073029},{"word":"of","start":3947.65,"end":3947.73,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02954394370317459},{"word":"you","start":3947.73,"end":3947.97,"confidence":0.7541504,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.04633092135190964},{"word":"it","start":3947.97,"end":3948.13,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.14844092726707458},{"word":"doesn't","start":3948.13,"end":3948.45,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.2092489004135132},{"word":"quite","start":3948.45,"end":3948.77,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.25034403800964355},{"word":"make","start":3948.77,"end":3949.01,"confidence":0.7841797,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.10835452377796172},{"word":"that","start":3949.01,"end":3949.17,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07663971185684204},{"word":"$2,000","start":3949.17,"end":3950.13,"confidence":0.7532959,"punctuated_word":"$2,000","sentiment":"neutral","sentiment_score":-0.07234911620616913},{"word":"per","start":3950.13,"end":3950.29,"confidence":0.9970703,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.059002071619033813},{"word":"fortnight","start":3950.29,"end":3950.79,"confidence":0.9980469,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":-0.1484865844249725},{"word":"doll","start":3950.8499,"end":3951.17,"confidence":0.58776855,"punctuated_word":"doll.","sentiment":"neutral","sentiment_score":-0.178537517786026},{"word":"so","start":3951.17,"end":3951.65,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10350755602121352},{"word":"i","start":3951.65,"end":3951.81,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1586819440126419},{"word":"would","start":3951.81,"end":3952.05,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1485677808523178},{"word":"probably","start":3952.05,"end":3952.53,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.12965060770511627},{"word":"have","start":3952.53,"end":3952.69,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.18231751024723053},{"word":"to","start":3952.69,"end":3952.8499,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10548396408557892},{"word":"be","start":3952.8499,"end":3953.01,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1037331521511078},{"word":"drawing","start":3953.01,"end":3953.33,"confidence":0.99902344,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":-0.11374068260192872},{"word":"a","start":3953.33,"end":3953.41,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15113958716392517},{"word":"little","start":3953.41,"end":3953.65,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0828327089548111},{"word":"bit","start":3953.65,"end":3953.81,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07057856023311615},{"word":"out","start":3953.81,"end":3953.97,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.10885168612003326},{"word":"of","start":3953.97,"end":3954.05,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10681235790252686},{"word":"your","start":3954.05,"end":3954.29,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05748404562473297},{"word":"supers","start":3954.29,"end":3954.69,"confidence":0.6044922,"punctuated_word":"supers","sentiment":"neutral","sentiment_score":-0.018292397260665897},{"word":"to","start":3954.69,"end":3954.8499,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06261780858039856},{"word":"kind","start":3954.8499,"end":3955.0898,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.04759950935840607},{"word":"of","start":3955.0898,"end":3955.365,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.014489665627479551},{"word":"replenish","start":3955.365,"end":3955.765,"confidence":0.9880371,"punctuated_word":"replenish","sentiment":"neutral","sentiment_score":0.030871838331222538},{"word":"to","start":3955.765,"end":3955.845,"confidence":0.91748047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.027102172374725345},{"word":"make","start":3955.845,"end":3956.085,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04193553328514099},{"word":"sure","start":3956.085,"end":3956.325,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08866839110851288},{"word":"you're","start":3956.325,"end":3956.485,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1022782251238823},{"word":"able","start":3956.485,"end":3956.885,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1232992857694626},{"word":"to","start":3956.885,"end":3956.965,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13933522999286652},{"word":"get","start":3956.965,"end":3957.205,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12640054523944855},{"word":"that","start":3957.205,"end":3957.445,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.041491925716400146},{"word":"$2,000","start":3957.445,"end":3958.405,"confidence":0.92700195,"punctuated_word":"$2,000","sentiment":"neutral","sentiment_score":0.08648476004600525},{"word":"per","start":3958.405,"end":3958.565,"confidence":0.9375,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.12462279200553894},{"word":"fortnight","start":3958.565,"end":3959.045,"confidence":0.9980469,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.017590027302503586},{"word":"for","start":3959.045,"end":3959.205,"confidence":0.93847656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0337093323469162},{"word":"your","start":3959.205,"end":3959.365,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06013856828212738},{"word":"living","start":3959.365,"end":3959.845,"confidence":1.0,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.005712717771530151},{"word":"expenses","start":3959.845,"end":3960.345,"confidence":0.99853516,"punctuated_word":"expenses.","sentiment":"neutral","sentiment_score":0.06160309165716171},{"word":"if","start":3961.605,"end":3961.845,"confidence":0.7709961,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2364213913679123},{"word":"i","start":3961.845,"end":3962.085,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22330845892429352},{"word":"do","start":3962.085,"end":3962.2449,"confidence":0.640625,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2168857753276825},{"word":"the","start":3962.2449,"end":3962.485,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.274025022983551},{"word":"research","start":3962.485,"end":3962.965,"confidence":0.9790039,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.21960806846618652},{"word":"and","start":3962.965,"end":3963.125,"confidence":0.8598633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2408823519945145},{"word":"it","start":3963.125,"end":3963.285,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2225530743598938},{"word":"comes","start":3963.285,"end":3963.605,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.17852628231048584},{"word":"back","start":3963.605,"end":3963.845,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.16199183464050293},{"word":"and","start":3963.845,"end":3964.085,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16438254714012146},{"word":"tells","start":3964.085,"end":3964.405,"confidence":0.9970703,"punctuated_word":"tells","sentiment":"neutral","sentiment_score":0.1863146424293518},{"word":"me","start":3964.405,"end":3964.645,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.23664532601833344},{"word":"that","start":3964.645,"end":3965.145,"confidence":0.99658203,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.20289869606494904},{"word":"you","start":3965.205,"end":3965.365,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.175026535987854},{"word":"know","start":3965.365,"end":3965.685,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.19953963160514832},{"word":"what","start":3965.685,"end":3965.845,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.310637891292572},{"word":"you'd","start":3965.845,"end":3966.085,"confidence":0.99902344,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.2505168318748474},{"word":"be","start":3966.085,"end":3966.325,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2314161062240601},{"word":"drawing","start":3966.325,"end":3966.725,"confidence":0.9892578,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":0.11454161256551744},{"word":"out","start":3966.725,"end":3967.205,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12452074140310287},{"word":"meets","start":3967.205,"end":3967.445,"confidence":0.8881836,"punctuated_word":"meets","sentiment":"neutral","sentiment_score":0.19779810309410095},{"word":"that","start":3967.445,"end":3967.685,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28345924615859985},{"word":"minimum","start":3967.685,"end":3968.165,"confidence":0.9951172,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.11966516077518465},{"word":"requirement","start":3968.165,"end":3968.665,"confidence":0.79003906,"punctuated_word":"requirement,","sentiment":"neutral","sentiment_score":0.2599300742149353},{"word":"there","start":3969.205,"end":3969.445,"confidence":0.99609375,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.34588557481765747},{"word":"are","start":3969.445,"end":3969.685,"confidence":0.9902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3574928939342499},{"word":"benefits","start":3969.685,"end":3970.17,"confidence":0.9248047,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":0.2746168076992035},{"word":"to","start":3970.25,"end":3970.41,"confidence":0.8496094,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.36146995425224304},{"word":"being","start":3970.41,"end":3970.65,"confidence":0.9536133,"punctuated_word":"being","sentiment":"positive","sentiment_score":0.4015959501266479},{"word":"in","start":3970.65,"end":3970.8098,"confidence":0.98828125,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35997888445854187},{"word":"pension","start":3970.8098,"end":3971.3098,"confidence":0.99121094,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.27429673075675964},{"word":"phase","start":3971.3699,"end":3971.69,"confidence":0.99365234,"punctuated_word":"phase.","sentiment":"positive","sentiment_score":0.4124201536178589},{"word":"i","start":3971.69,"end":3971.8499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2600094676017761},{"word":"mean","start":3971.8499,"end":3972.01,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.29782217741012573},{"word":"you","start":3972.01,"end":3972.17,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3488733768463135},{"word":"do","start":3972.17,"end":3972.41,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.31872570514678955},{"word":"have","start":3972.41,"end":3972.5698,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26073354482650757},{"word":"to","start":3972.5698,"end":3972.73,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27732616662979126},{"word":"take","start":3972.73,"end":3972.97,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.24099639058113095},{"word":"the","start":3972.97,"end":3973.13,"confidence":0.7895508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2560850977897644},{"word":"money","start":3973.13,"end":3973.3699,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.11385197937488556},{"word":"out","start":3973.3699,"end":3973.8699,"confidence":0.87841797,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.1816217005252838},{"word":"but","start":3974.8098,"end":3975.3098,"confidence":0.5839844,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.15296797454357147},{"word":"there's","start":3975.53,"end":3975.77,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.24528437852859497},{"word":"also","start":3975.77,"end":3976.0898,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2701594829559326},{"word":"no","start":3976.0898,"end":3976.3298,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.08067841827869415},{"word":"tax","start":3976.3298,"end":3976.73,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.03825320303440094},{"word":"consequences","start":3976.73,"end":3977.23,"confidence":0.9951172,"punctuated_word":"consequences.","sentiment":"neutral","sentiment_score":-0.028951480984687805},{"word":"so","start":3977.45,"end":3977.69,"confidence":0.9760742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15633143484592438},{"word":"at","start":3977.69,"end":3977.8499,"confidence":0.9633789,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16711416840553284},{"word":"the","start":3977.8499,"end":3978.0898,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2245931625366211},{"word":"moment","start":3978.0898,"end":3978.49,"confidence":0.99316406,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.21262924373149872},{"word":"you're","start":3978.49,"end":3978.73,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.23236948251724243},{"word":"in","start":3978.73,"end":3978.89,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1950892060995102},{"word":"the","start":3978.89,"end":3979.21,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23766443133354187},{"word":"accumulation","start":3979.21,"end":3979.71,"confidence":1.0,"punctuated_word":"accumulation","sentiment":"neutral","sentiment_score":0.2801561653614044},{"word":"phase","start":3980.25,"end":3980.75,"confidence":0.97314453,"punctuated_word":"phase.","sentiment":"neutral","sentiment_score":0.23276424407958984},{"word":"that's","start":3980.89,"end":3981.21,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.20161068439483645},{"word":"where","start":3981.21,"end":3981.45,"confidence":0.9770508,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.15972882509231567},{"word":"you're","start":3981.45,"end":3981.69,"confidence":0.99365234,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.31790098547935486},{"word":"building","start":3981.69,"end":3982.17,"confidence":1.0,"punctuated_word":"building","sentiment":"positive","sentiment_score":0.3705757260322571},{"word":"your","start":3982.17,"end":3982.41,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3207184076309204},{"word":"super","start":3982.41,"end":3982.89,"confidence":0.9707031,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4014025330543518},{"word":"up","start":3982.89,"end":3983.29,"confidence":0.62609863,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.33057039976119995},{"word":"all","start":3983.29,"end":3983.45,"confidence":0.42236328,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.28903284668922424},{"word":"your","start":3983.45,"end":3983.6099,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2514500021934509},{"word":"employer","start":3983.6099,"end":3984.1099,"confidence":0.99609375,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.1317112147808075},{"word":"contributions","start":3984.17,"end":3984.67,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.15476979315280914},{"word":"are","start":3984.89,"end":3985.0498,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.26055753231048584},{"word":"going","start":3985.0498,"end":3985.29,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2452540248632431},{"word":"in","start":3985.29,"end":3985.79,"confidence":0.9980469,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.17351791262626648},{"word":"any","start":3986.125,"end":3986.365,"confidence":1.0,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.27003100514411926},{"word":"of","start":3986.365,"end":3986.445,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19233845174312592},{"word":"the","start":3986.445,"end":3986.7651,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20665869116783145},{"word":"capital","start":3986.7651,"end":3987.2651,"confidence":1.0,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.09656468033790588},{"word":"gains","start":3987.3252,"end":3987.645,"confidence":0.9980469,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.18181012570858},{"word":"that","start":3987.645,"end":3987.885,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2262517213821411},{"word":"your","start":3987.885,"end":3988.205,"confidence":0.97998047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2191520482301712},{"word":"super","start":3988.205,"end":3988.605,"confidence":0.99902344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2304386645555496},{"word":"makes","start":3988.605,"end":3989.0852,"confidence":0.9550781,"punctuated_word":"makes,","sentiment":"neutral","sentiment_score":0.2629820704460144},{"word":"it","start":3989.0852,"end":3989.3252,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23384827375411987},{"word":"actually","start":3989.3252,"end":3989.645,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.24115462601184845},{"word":"currently","start":3989.645,"end":3989.965,"confidence":0.98828125,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.23857441544532776},{"word":"pays","start":3989.965,"end":3990.365,"confidence":0.9970703,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.13355989754199982},{"word":"tax","start":3990.365,"end":3990.685,"confidence":0.99121094,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.14614516496658325},{"word":"on","start":3990.685,"end":3991.185,"confidence":0.7064209,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.13662505149841309},{"word":"and","start":3991.245,"end":3991.485,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07144392281770706},{"word":"same","start":3991.485,"end":3991.645,"confidence":0.99121094,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.10968994349241255},{"word":"with","start":3991.645,"end":3991.885,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11151101440191268},{"word":"the","start":3991.885,"end":3992.0452,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17117521166801453},{"word":"income","start":3992.0452,"end":3992.5452,"confidence":0.9719238,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.14331050217151642},{"word":"so","start":3992.7651,"end":3993.0051,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16897132992744446},{"word":"any","start":3993.0051,"end":3993.3252,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.30014997720718384},{"word":"income","start":3993.3252,"end":3993.645,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.25201696157455444},{"word":"that's","start":3993.645,"end":3993.965,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.27419552206993103},{"word":"made","start":3993.965,"end":3994.2852,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.2953989803791046},{"word":"inside","start":3994.2852,"end":3994.685,"confidence":0.99902344,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.2855936288833618},{"word":"that","start":3994.685,"end":3994.925,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19428211450576785},{"word":"fund","start":3994.925,"end":3995.3252,"confidence":0.98999023,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.24025756120681763},{"word":"your","start":3995.3252,"end":3995.645,"confidence":0.9589844,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.35800260305404663},{"word":"super","start":3995.645,"end":3995.965,"confidence":1.0,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.34951022267341614},{"word":"currently","start":3995.965,"end":3996.365,"confidence":0.9951172,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.30843907594680786},{"word":"pays","start":3996.365,"end":3996.685,"confidence":0.99609375,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.20803646743297577},{"word":"tax","start":3996.685,"end":3997.0051,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.15863855183124542},{"word":"on","start":3997.0051,"end":3997.5051,"confidence":0.99902344,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.15262460708618164},{"word":"when","start":3997.8052,"end":3998.0452,"confidence":0.9980469,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.21199500560760495},{"word":"you","start":3998.0452,"end":3998.2852,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2962944507598877},{"word":"turn","start":3998.2852,"end":3998.7651,"confidence":0.9970703,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.25910821557044983},{"word":"fully","start":3999.0852,"end":3999.405,"confidence":0.99316406,"punctuated_word":"fully","sentiment":"positive","sentiment_score":0.35230740904808044},{"word":"retire","start":3999.405,"end":3999.905,"confidence":0.8395996,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":0.23872286081314087},{"word":"so","start":3999.965,"end":4000.205,"confidence":0.88671875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.27712488174438477},{"word":"age","start":4000.205,"end":4000.445,"confidence":0.8569336,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.2611459791660309},{"word":"67","start":4000.445,"end":4001.0498,"confidence":0.73828125,"punctuated_word":"67,","sentiment":"neutral","sentiment_score":0.29737594723701477},{"word":"when","start":4001.0498,"end":4001.13,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2654416859149933},{"word":"you","start":4001.13,"end":4001.2898,"confidence":0.7373047,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3539952039718628},{"word":"wanna","start":4001.2898,"end":4001.6099,"confidence":0.9790039,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2862424850463867},{"word":"retire","start":4001.6099,"end":4002.01,"confidence":0.9838867,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":0.23004195094108584},{"word":"if","start":4002.01,"end":4002.25,"confidence":0.9970703,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3434567153453827},{"word":"we","start":4002.25,"end":4002.3298,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3422492444515228},{"word":"wanna","start":4002.3298,"end":4002.65,"confidence":0.68603516,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.4211686253547669},{"word":"move","start":4002.65,"end":4002.89,"confidence":0.99902344,"punctuated_word":"move","sentiment":"positive","sentiment_score":0.41249191761016846},{"word":"you","start":4002.89,"end":4003.0498,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4377112984657288},{"word":"fully","start":4003.0498,"end":4003.2898,"confidence":1.0,"punctuated_word":"fully","sentiment":"positive","sentiment_score":0.48706233501434326},{"word":"into","start":4003.2898,"end":4003.6099,"confidence":0.7392578,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.390227735042572},{"word":"pension","start":4003.6099,"end":4004.01,"confidence":0.9951172,"punctuated_word":"pension","sentiment":"positive","sentiment_score":0.367326557636261},{"word":"phase","start":4004.01,"end":4004.3298,"confidence":0.9880371,"punctuated_word":"phase,","sentiment":"positive","sentiment_score":0.4316626787185669},{"word":"there's","start":4004.3298,"end":4004.65,"confidence":1.0,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.3751768469810486},{"word":"no","start":4004.65,"end":4004.89,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.25528472661972046},{"word":"tax","start":4004.89,"end":4005.21,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.04076044261455536},{"word":"consequences","start":4005.21,"end":4005.71,"confidence":0.99902344,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.019859880208969116},{"word":"in","start":4005.93,"end":4006.0898,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.40182599425315857},{"word":"there","start":4006.0898,"end":4006.5898,"confidence":0.99072266,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.40934109687805176},{"word":"so","start":4006.89,"end":4007.3699,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5008582472801208},{"word":"your","start":4007.3699,"end":4007.69,"confidence":0.9941406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7078471779823303},{"word":"super","start":4007.69,"end":4008.01,"confidence":0.8354492,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.7404419183731079},{"word":"fund","start":4008.01,"end":4008.3298,"confidence":0.7651367,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.7432527542114258},{"word":"can","start":4008.3298,"end":4008.49,"confidence":0.99316406,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.62132728099823},{"word":"be","start":4008.49,"end":4008.65,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.7279303669929504},{"word":"making","start":4008.65,"end":4008.97,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.7451375722885132},{"word":"money","start":4008.97,"end":4009.47,"confidence":0.9621582,"punctuated_word":"money,","sentiment":"positive","sentiment_score":0.7088562846183777},{"word":"both","start":4009.5298,"end":4009.8499,"confidence":0.99316406,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.6867724061012268},{"word":"capital","start":4009.8499,"end":4010.3298,"confidence":1.0,"punctuated_word":"capital","sentiment":"positive","sentiment_score":0.5705143213272095},{"word":"gains","start":4010.3298,"end":4010.73,"confidence":0.9951172,"punctuated_word":"gains","sentiment":"positive","sentiment_score":0.6978049278259277},{"word":"and","start":4010.73,"end":4010.97,"confidence":0.98291016,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7134772539138794},{"word":"income","start":4010.97,"end":4011.45,"confidence":0.9926758,"punctuated_word":"income,","sentiment":"positive","sentiment_score":0.6088658571243286},{"word":"and","start":4011.45,"end":4011.69,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4844692945480346},{"word":"there's","start":4011.69,"end":4012.01,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.49712690711021423},{"word":"no","start":4012.01,"end":4012.0898,"confidence":0.90625,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.4238851666450501},{"word":"it","start":4012.17,"end":4012.3298,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5159844160079956},{"word":"doesn't","start":4012.3298,"end":4012.5698,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"positive","sentiment_score":0.4733593165874481},{"word":"pay","start":4012.5698,"end":4012.73,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"positive","sentiment_score":0.4654437303543091},{"word":"any","start":4012.73,"end":4013.0498,"confidence":0.99902344,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.3369196355342865},{"word":"tax","start":4013.0498,"end":4013.3699,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.141766756772995},{"word":"in","start":4013.3699,"end":4013.5298,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4079711139202118},{"word":"that","start":4013.5298,"end":4013.77,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4310875236988067},{"word":"phase","start":4013.77,"end":4014.27,"confidence":0.9914551,"punctuated_word":"phase.","sentiment":"positive","sentiment_score":0.37275630235672},{"word":"the","start":4014.525,"end":4014.6848,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.15387915074825287},{"word":"only","start":4014.6848,"end":4014.9248,"confidence":1.0,"punctuated_word":"only","sentiment":"negative","sentiment_score":-0.3411458730697632},{"word":"sort","start":4014.9248,"end":4015.005,"confidence":0.9838867,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.3803392350673675},{"word":"of","start":4015.005,"end":4015.1648,"confidence":0.89746094,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.37337857484817505},{"word":"downside","start":4015.1648,"end":4015.6648,"confidence":0.99121094,"punctuated_word":"downside","sentiment":"negative","sentiment_score":-0.475308895111084},{"word":"is","start":4015.7249,"end":4015.805,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.4712905287742615},{"word":"that","start":4015.805,"end":4015.9648,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4523355960845947},{"word":"you","start":4015.9648,"end":4016.125,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4928509593009949},{"word":"do","start":4016.125,"end":4016.365,"confidence":1.0,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.4842009246349334},{"word":"have","start":4016.365,"end":4016.605,"confidence":1.0,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.5796754956245422},{"word":"to","start":4016.605,"end":4016.765,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.6429388523101807},{"word":"take","start":4016.765,"end":4016.9248,"confidence":1.0,"punctuated_word":"take","sentiment":"negative","sentiment_score":-0.6585855484008789},{"word":"a","start":4016.9248,"end":4017.085,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6207139492034912},{"word":"minimum","start":4017.085,"end":4017.565,"confidence":1.0,"punctuated_word":"minimum","sentiment":"negative","sentiment_score":-0.6037614941596985},{"word":"pension","start":4017.565,"end":4018.065,"confidence":1.0,"punctuated_word":"pension","sentiment":"negative","sentiment_score":-0.4286926090717316},{"word":"payment","start":4018.125,"end":4018.625,"confidence":0.9951172,"punctuated_word":"payment.","sentiment":"neutral","sentiment_score":-0.12737098336219788},{"word":"would","start":4018.765,"end":4019.005,"confidence":0.98535156,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.049720942974090576},{"word":"you","start":4019.005,"end":4019.2449,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07484705746173859},{"word":"like","start":4019.2449,"end":4019.4849,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06112746521830559},{"word":"me","start":4019.4849,"end":4019.645,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.15033145248889923},{"word":"to","start":4019.645,"end":4019.885,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07266496866941452},{"word":"assess","start":4019.885,"end":4020.385,"confidence":0.9980469,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.07352475076913834},{"word":"whether","start":4020.4448,"end":4020.765,"confidence":0.99609375,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.06503807753324509},{"word":"staying","start":4020.765,"end":4021.1648,"confidence":0.99902344,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":0.11661072075366974},{"word":"in","start":4021.1648,"end":4021.4048,"confidence":0.9350586,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09601570665836334},{"word":"accumulation","start":4021.4048,"end":4021.9048,"confidence":0.76171875,"punctuated_word":"accumulation","sentiment":"neutral","sentiment_score":0.10315603017807008},{"word":"or","start":4022.125,"end":4022.365,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09538983553647996},{"word":"moving","start":4022.365,"end":4022.6848,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.1489562690258026},{"word":"into","start":4022.6848,"end":4023.005,"confidence":0.9472656,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1895008087158203},{"word":"pension","start":4023.005,"end":4023.4048,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.15281517803668976},{"word":"works","start":4023.4048,"end":4023.7249,"confidence":0.9658203,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.19926096498966217},{"word":"better","start":4023.7249,"end":4024.045,"confidence":0.99902344,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.17914345860481262},{"word":"for","start":4024.045,"end":4024.2048,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17141607403755188},{"word":"you","start":4024.2048,"end":4024.4448,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17099955677986145},{"word":"at","start":4024.4448,"end":4024.605,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11348490417003632},{"word":"that","start":4024.605,"end":4024.765,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13284431397914886},{"word":"time","start":4024.765,"end":4025.265,"confidence":0.9995117,"punctuated_word":"time?","sentiment":"neutral","sentiment_score":0.12877246737480164},{"word":"yep","start":4027.5,"end":4028.0,"confidence":0.8713379,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18202506005764008},{"word":"well","start":4032.06,"end":4032.3801,"confidence":0.9975586,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.052499279379844666},{"word":"he","start":4032.3801,"end":4032.62,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.1148277297616005},{"word":"can","start":4032.62,"end":4032.86,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10303077101707458},{"word":"be","start":4032.86,"end":4033.36,"confidence":0.9707031,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.08880308270454407},{"word":"but","start":4033.42,"end":4033.74,"confidence":0.56933594,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.035539660602808},{"word":"he","start":4033.74,"end":4033.9001,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.03613681346178055},{"word":"does","start":4033.9001,"end":4034.22,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.03252224624156952},{"word":"have","start":4034.22,"end":4034.46,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.019240859895944595},{"word":"to","start":4034.46,"end":4034.62,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03853635489940643},{"word":"take","start":4034.62,"end":4034.86,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.07494744658470154},{"word":"that","start":4034.86,"end":4035.1,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03377431631088257},{"word":"minimum","start":4035.1,"end":4035.5,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":-0.040633201599121094},{"word":"pension","start":4035.5,"end":4035.9001,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.03594309836626053},{"word":"payment","start":4035.9001,"end":4036.3,"confidence":1.0,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":-0.028978705406188965},{"word":"out","start":4036.3,"end":4036.8,"confidence":0.9995117,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.036349572241306305},{"word":"so","start":4037.98,"end":4038.46,"confidence":0.9536133,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07283121347427368},{"word":"at","start":4038.46,"end":4038.7,"confidence":0.97509766,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.059664949774742126},{"word":"the","start":4038.7,"end":4038.86,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10936130583286284},{"word":"moment","start":4038.86,"end":4039.26,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.07974410057067871},{"word":"with","start":4039.26,"end":4039.5,"confidence":0.8173828,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1288985311985016},{"word":"frank's","start":4039.5,"end":4039.845,"confidence":0.9699707,"punctuated_word":"Frank's","sentiment":"neutral","sentiment_score":0.19948464632034305},{"word":"balance","start":4040.005,"end":4040.325,"confidence":0.95654297,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.15524248778820038},{"word":"because","start":4040.325,"end":4040.565,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13270553946495056},{"word":"you","start":4040.565,"end":4040.805,"confidence":0.5341797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1956094205379486},{"word":"don't","start":4040.805,"end":4041.125,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.14399686455726624},{"word":"really","start":4041.125,"end":4041.445,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.02302788197994232},{"word":"want","start":4041.445,"end":4041.685,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.06046503037214279},{"word":"to","start":4041.685,"end":4041.845,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02881462872028351},{"word":"take","start":4041.845,"end":4042.085,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.10186372697353364},{"word":"any","start":4042.085,"end":4042.325,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.012759655714035034},{"word":"money","start":4042.325,"end":4042.565,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.004914730787277222},{"word":"out","start":4042.565,"end":4042.7249,"confidence":0.8828125,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.007668882608413696},{"word":"and","start":4042.7249,"end":4042.885,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.053110696375370026},{"word":"don't","start":4042.885,"end":4043.125,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.14157697558403015},{"word":"really","start":4043.125,"end":4043.445,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.06876169145107269},{"word":"need","start":4043.445,"end":4043.685,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.10160408169031145},{"word":"to","start":4043.685,"end":4044.005,"confidence":0.97314453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1328272968530655},{"word":"right","start":4044.005,"end":4044.165,"confidence":0.9921875,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.16976381838321686},{"word":"now","start":4044.165,"end":4044.665,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.14597241580486298},{"word":"because","start":4045.285,"end":4045.605,"confidence":0.59033203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1411198526620865},{"word":"you're","start":4045.605,"end":4045.845,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2961471974849701},{"word":"still","start":4045.845,"end":4046.085,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2907656133174896},{"word":"working","start":4046.085,"end":4046.405,"confidence":0.8227539,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":0.26772791147232056},{"word":"he","start":4046.405,"end":4046.565,"confidence":0.95947266,"punctuated_word":"he","sentiment":"positive","sentiment_score":0.4587382674217224},{"word":"is","start":4046.565,"end":4046.7249,"confidence":0.89746094,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.48115792870521545},{"word":"fine","start":4046.7249,"end":4047.045,"confidence":0.9873047,"punctuated_word":"fine","sentiment":"positive","sentiment_score":0.38406357169151306},{"word":"to","start":4047.045,"end":4047.285,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.42065486311912537},{"word":"stay","start":4047.285,"end":4047.605,"confidence":0.9980469,"punctuated_word":"stay","sentiment":"positive","sentiment_score":0.3732938468456268},{"word":"in","start":4047.605,"end":4048.085,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3574162423610687},{"word":"in","start":4048.085,"end":4048.2449,"confidence":0.9951172,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.36616671085357666},{"word":"the","start":4048.2449,"end":4048.565,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.38829389214515686},{"word":"accumulation","start":4048.565,"end":4049.065,"confidence":0.99316406,"punctuated_word":"accumulation","sentiment":"positive","sentiment_score":0.3928276598453522},{"word":"phase","start":4049.445,"end":4049.945,"confidence":0.99316406,"punctuated_word":"phase.","sentiment":"neutral","sentiment_score":0.2825542390346527},{"word":"it","start":4050.085,"end":4050.325,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.08364847302436829},{"word":"does","start":4050.325,"end":4050.565,"confidence":0.99609375,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.10277259349822998},{"word":"mean","start":4050.565,"end":4050.805,"confidence":1.0,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.04762663319706917},{"word":"that","start":4050.805,"end":4050.965,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03410965949296951},{"word":"his","start":4050.965,"end":4051.125,"confidence":0.64208984,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.03562095761299133},{"word":"fund","start":4051.125,"end":4051.365,"confidence":0.89990234,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.009685814380645752},{"word":"is","start":4051.365,"end":4051.605,"confidence":0.97802734,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0013587027788162231},{"word":"taking","start":4051.605,"end":4051.925,"confidence":0.9614258,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.04473170638084411},{"word":"is","start":4052.165,"end":4052.2449,"confidence":0.75927734,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.045962363481521606},{"word":"paying","start":4052.2449,"end":4052.565,"confidence":0.9970703,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.10094691067934036},{"word":"a","start":4052.565,"end":4052.645,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.058927956968545914},{"word":"little","start":4052.645,"end":4052.965,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0807064026594162},{"word":"bit","start":4052.965,"end":4053.205,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1523052453994751},{"word":"of","start":4053.205,"end":4053.3425,"confidence":0.8232422,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1807311773300171},{"word":"tax","start":4053.3425,"end":4053.48,"confidence":0.98828125,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.04744844138622284},{"word":"on","start":4053.56,"end":4053.88,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04582184553146362},{"word":"the","start":4053.88,"end":4053.96,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006136253476142883},{"word":"growth","start":4053.96,"end":4054.44,"confidence":0.8833008,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.07648538053035736},{"word":"and","start":4054.44,"end":4054.6,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0466575026512146},{"word":"the","start":4054.6,"end":4054.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04764275252819061},{"word":"income","start":4054.76,"end":4055.08,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.03196687996387482},{"word":"that","start":4055.08,"end":4055.24,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05525065213441849},{"word":"it","start":4055.24,"end":4055.4,"confidence":0.93847656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04510803520679474},{"word":"is","start":4055.4,"end":4055.56,"confidence":0.61865234,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0536784753203392},{"word":"making","start":4055.56,"end":4056.06,"confidence":0.829834,"punctuated_word":"making.","sentiment":"neutral","sentiment_score":-0.0065195634961128235},{"word":"but","start":4056.76,"end":4057.08,"confidence":0.7836914,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06847581267356873},{"word":"because","start":4057.08,"end":4057.48,"confidence":0.9980469,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.12999530136585236},{"word":"you","start":4057.48,"end":4057.64,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17996448278427124},{"word":"don't","start":4057.64,"end":4057.8,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.12092199176549911},{"word":"really","start":4057.8,"end":4058.1199,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.08872447907924652},{"word":"need","start":4058.1199,"end":4058.3599,"confidence":0.99316406,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1382436752319336},{"word":"income","start":4058.3599,"end":4058.76,"confidence":0.9863281,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1616152673959732},{"word":"out","start":4058.76,"end":4059.0,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.186888724565506},{"word":"of","start":4059.0,"end":4059.08,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15925893187522888},{"word":"it","start":4059.08,"end":4059.24,"confidence":0.9460449,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1578461527824402},{"word":"there's","start":4059.24,"end":4059.48,"confidence":0.99658203,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.2422645390033722},{"word":"nothing","start":4059.48,"end":4059.72,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":0.20416182279586792},{"word":"wrong","start":4059.72,"end":4059.96,"confidence":0.99902344,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":0.1462630331516266},{"word":"with","start":4059.96,"end":4060.1199,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22989177703857425},{"word":"that","start":4060.1199,"end":4060.28,"confidence":0.98461914,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.172115758061409},{"word":"it's","start":4060.28,"end":4060.44,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.21865257620811465},{"word":"not","start":4060.44,"end":4060.84,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.07465177774429321},{"word":"paying","start":4060.84,"end":4061.16,"confidence":0.99902344,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.04460909962654114},{"word":"a","start":4061.16,"end":4061.24,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0019187405705451963},{"word":"huge","start":4061.24,"end":4061.48,"confidence":1.0,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":-0.1058320701122284},{"word":"amount","start":4061.48,"end":4061.8,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.12242938578128816},{"word":"of","start":4061.8,"end":4061.88,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10069242119789124},{"word":"tax","start":4061.88,"end":4062.38,"confidence":0.9970703,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.1388382911682129},{"word":"the","start":4063.64,"end":4063.72,"confidence":0.98535156,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.13675929605960846},{"word":"downside","start":4063.72,"end":4064.22,"confidence":0.9980469,"punctuated_word":"downside","sentiment":"neutral","sentiment_score":-0.15160569548606873},{"word":"to","start":4064.3599,"end":4064.52,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16386593878269196},{"word":"it","start":4064.52,"end":4064.6,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.21886980533599856},{"word":"is","start":4064.6,"end":4064.76,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2283846139907837},{"word":"that","start":4064.76,"end":4064.92,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.21268747746944427},{"word":"it","start":4064.92,"end":4065.08,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.27120381593704224},{"word":"is","start":4065.08,"end":4065.4,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2568168044090271},{"word":"assessed","start":4065.4,"end":4065.8,"confidence":0.9863281,"punctuated_word":"assessed","sentiment":"neutral","sentiment_score":-0.2015846222639084},{"word":"by","start":4065.8,"end":4065.96,"confidence":0.9980469,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.18096177279949188},{"word":"centrelink","start":4065.96,"end":4066.46,"confidence":0.88464355,"punctuated_word":"Centrelink.","sentiment":"neutral","sentiment_score":-0.1964590549468994},{"word":"so","start":4066.52,"end":4066.68,"confidence":0.92089844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07078085839748383},{"word":"at","start":4066.68,"end":4066.84,"confidence":0.96875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0569872185587883},{"word":"the","start":4066.84,"end":4066.92,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.021665316075086594},{"word":"moment","start":4066.92,"end":4067.32,"confidence":0.9941406,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.017288299277424812},{"word":"yours","start":4067.32,"end":4067.64,"confidence":0.9951172,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":-0.008803874254226685},{"word":"is","start":4067.64,"end":4067.8,"confidence":0.98828125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.012784529477357864},{"word":"sheltered","start":4067.8,"end":4068.2,"confidence":0.98828125,"punctuated_word":"sheltered","sentiment":"neutral","sentiment_score":0.010701660066843033},{"word":"by","start":4068.2,"end":4068.585,"confidence":0.9658203,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.01598844677209854},{"word":"centrelink","start":4068.7449,"end":4068.905,"confidence":0.96240234,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":-0.01507585123181343},{"word":"because","start":4068.905,"end":4069.065,"confidence":0.90649414,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.02065873891115189},{"word":"robin","start":4069.065,"end":4069.4648,"confidence":0.96972656,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":-0.02442253567278385},{"word":"you're","start":4069.4648,"end":4069.705,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.06870093941688538},{"word":"under","start":4069.705,"end":4070.025,"confidence":0.9980469,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.03941535949707031},{"word":"67","start":4070.025,"end":4070.925,"confidence":0.98828125,"punctuated_word":"67.","sentiment":"neutral","sentiment_score":-0.07845554500818253},{"word":"but","start":4071.065,"end":4071.305,"confidence":0.95166016,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.02530035376548767},{"word":"when","start":4071.305,"end":4071.4648,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.027321211993694305},{"word":"you","start":4071.4648,"end":4071.705,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009003955870866776},{"word":"turn","start":4071.705,"end":4072.025,"confidence":0.99121094,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.001936107873916626},{"word":"67","start":4072.025,"end":4072.825,"confidence":0.99780273,"punctuated_word":"67,","sentiment":"neutral","sentiment_score":-0.004277064464986324},{"word":"both","start":4072.825,"end":4073.065,"confidence":0.99902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.0010757818818092346},{"word":"of","start":4073.065,"end":4073.2249,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03383413329720497},{"word":"your","start":4073.2249,"end":4073.4648,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.026313863694667816},{"word":"super","start":4073.4648,"end":4073.705,"confidence":0.97314453,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.016610346734523773},{"word":"balances","start":4073.705,"end":4074.185,"confidence":0.83740234,"punctuated_word":"balances","sentiment":"neutral","sentiment_score":-0.013709545135498049},{"word":"will","start":4074.185,"end":4074.345,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.03542809188365936},{"word":"be","start":4074.345,"end":4074.585,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.02187570556998253},{"word":"assessed","start":4074.585,"end":4074.905,"confidence":0.9970703,"punctuated_word":"assessed","sentiment":"neutral","sentiment_score":-0.004030771553516388},{"word":"by","start":4074.905,"end":4075.145,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.0469168946146965},{"word":"centrelink","start":4075.145,"end":4075.645,"confidence":0.96362305,"punctuated_word":"Centrelink.","sentiment":"neutral","sentiment_score":-0.042906858026981354},{"word":"and","start":4076.505,"end":4077.005,"confidence":0.8100586,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0043138861656188965},{"word":"given","start":4077.4648,"end":4077.865,"confidence":0.9980469,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.03477323055267334},{"word":"this","start":4077.865,"end":4077.9849,"confidence":0.5288086,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.020425215363502502},{"word":"the","start":4078.105,"end":4078.265,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0009651631116867064},{"word":"current","start":4078.265,"end":4078.585,"confidence":0.9980469,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.06660671532154083},{"word":"centrelink","start":4078.585,"end":4079.085,"confidence":0.99902344,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":-0.000022310763597488403},{"word":"arrangements","start":4079.145,"end":4079.625,"confidence":0.96875,"punctuated_word":"arrangements","sentiment":"neutral","sentiment_score":0.0022072121500968933},{"word":"with","start":4079.625,"end":4079.785,"confidence":0.48388672,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0063505396246910095},{"word":"the","start":4079.785,"end":4079.945,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.030861325562000275},{"word":"payments","start":4079.945,"end":4080.425,"confidence":0.9980469,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":-0.016844578087329865},{"word":"they","start":4080.425,"end":4080.665,"confidence":0.5317383,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.02683292329311371},{"word":"make","start":4080.665,"end":4080.9849,"confidence":0.9975586,"punctuated_word":"make,","sentiment":"neutral","sentiment_score":-0.05999159812927246},{"word":"you","start":4080.9849,"end":4081.145,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10630813986063004},{"word":"might","start":4081.145,"end":4081.305,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.09390774369239809},{"word":"need","start":4081.305,"end":4081.4648,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.12571799755096436},{"word":"to","start":4081.4648,"end":4081.625,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1330139935016632},{"word":"take","start":4081.625,"end":4081.865,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.111821748316288},{"word":"some","start":4081.865,"end":4082.105,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.12731847167015076},{"word":"income","start":4082.105,"end":4082.505,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.14939704537391665},{"word":"out","start":4082.505,"end":4082.91,"confidence":0.9916992,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.048233456909656525},{"word":"so","start":4082.99,"end":4083.3098,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10092712193727492},{"word":"being","start":4083.3098,"end":4083.5498,"confidence":0.9902344,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.21078577637672424},{"word":"in","start":4083.5498,"end":4083.7898,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2548210620880127},{"word":"pension","start":4083.7898,"end":4084.19,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.3184114396572113},{"word":"phase","start":4084.19,"end":4084.5898,"confidence":0.96875,"punctuated_word":"phase","sentiment":"positive","sentiment_score":0.40758585929870605},{"word":"could","start":4084.5898,"end":4084.8298,"confidence":0.99121094,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.3540823459625244},{"word":"actually","start":4084.8298,"end":4085.15,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.381207138299942},{"word":"work","start":4085.15,"end":4085.39,"confidence":1.0,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.3791336417198181},{"word":"out","start":4085.39,"end":4085.5498,"confidence":0.9951172,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.48472410440444946},{"word":"better","start":4085.5498,"end":4085.8699,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.24209830164909363},{"word":"for","start":4085.8699,"end":4086.1099,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2721581757068634},{"word":"you","start":4086.1099,"end":4086.6099,"confidence":0.9758301,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2410600781440735},{"word":"but","start":4086.99,"end":4087.23,"confidence":0.5463867,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.00554676353931427},{"word":"did","start":4087.23,"end":4087.39,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.042751945555210114},{"word":"you","start":4087.39,"end":4087.5498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0009041354060173036},{"word":"want","start":4087.5498,"end":4087.7898,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.01639687269926071},{"word":"me","start":4087.7898,"end":4087.95,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.025487087666988373},{"word":"to","start":4087.95,"end":4088.03,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.003256633877754211},{"word":"look","start":4088.03,"end":4088.19,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.022468604147434235},{"word":"at","start":4088.19,"end":4088.43,"confidence":0.9506836,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.042222023010253906},{"word":"whether","start":4088.43,"end":4088.93,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.009256817400455477},{"word":"frank","start":4088.99,"end":4089.3098,"confidence":0.99609375,"punctuated_word":"Frank","sentiment":"neutral","sentiment_score":0.011967413127422333},{"word":"should","start":4089.3098,"end":4089.5498,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.0007711425423622131},{"word":"be","start":4089.5498,"end":4089.71,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03267405927181244},{"word":"in","start":4089.71,"end":4089.8699,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04904337227344513},{"word":"pension","start":4089.8699,"end":4090.27,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.05346331745386124},{"word":"phase","start":4090.27,"end":4090.5898,"confidence":0.9863281,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.07908116281032562},{"word":"now","start":4090.5898,"end":4090.75,"confidence":0.9980469,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.03330905735492706},{"word":"or","start":4090.75,"end":4090.99,"confidence":0.9790039,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02604394406080246},{"word":"super","start":4090.99,"end":4091.3098,"confidence":0.79418945,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.04329584166407585},{"word":"or","start":4091.3098,"end":4091.47,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.020452897995710373},{"word":"are","start":4091.47,"end":4091.63,"confidence":0.9160156,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02604903280735016},{"word":"you","start":4091.63,"end":4091.71,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01644054800271988},{"word":"happy","start":4091.71,"end":4092.1099,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.008400559425354004},{"word":"just","start":4092.1099,"end":4092.27,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.007631674408912659},{"word":"to","start":4092.27,"end":4092.43,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.001846618950366974},{"word":"sort","start":4092.43,"end":4092.5898,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.009010709822177889},{"word":"of","start":4092.5898,"end":4093.0698,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.010867111384868622},{"word":"keep","start":4093.0698,"end":4093.3098,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.003741711378097534},{"word":"it","start":4093.3098,"end":4093.39,"confidence":0.97509766,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.047692641615867615},{"word":"where","start":4093.39,"end":4093.63,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0474846288561821},{"word":"it","start":4093.63,"end":4093.71,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.00230611115694046},{"word":"is","start":4093.71,"end":4093.8699,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.015055019408464432},{"word":"now","start":4093.8699,"end":4094.1099,"confidence":0.9555664,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.015547618269920347},{"word":"frank","start":4094.1099,"end":4094.43,"confidence":0.99853516,"punctuated_word":"Frank?","sentiment":"neutral","sentiment_score":0.006816700100898743},{"word":"what's","start":4094.43,"end":4094.67,"confidence":0.99902344,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.003754930105060339},{"word":"your","start":4094.67,"end":4094.91,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.008116258308291435},{"word":"thought","start":4094.91,"end":4095.41,"confidence":0.9914551,"punctuated_word":"thought?","sentiment":"neutral","sentiment_score":-0.0311097614467144},{"word":"he","start":4099.415,"end":4099.495,"confidence":0.4128418,"punctuated_word":"He","sentiment":"neutral","sentiment_score":-0.11516815423965454},{"word":"doesn't","start":4099.495,"end":4099.975,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.11722181737422945},{"word":"know","start":4099.975,"end":4100.475,"confidence":0.9628906,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.06167016550898552},{"word":"that's","start":4101.7354,"end":4101.975,"confidence":0.8132324,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.07415467500686646},{"word":"okay","start":4101.975,"end":4102.475,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.02567344531416893},{"word":"yeah","start":4109.4297,"end":4109.59,"confidence":0.73706055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04261716827750206},{"word":"that","start":4109.59,"end":4109.8296,"confidence":0.9892578,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.06786215305328369},{"word":"is","start":4109.8296,"end":4110.3296,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08477023988962173},{"word":"yeah","start":4111.2695,"end":4111.7695,"confidence":0.9567871,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.07272202521562576},{"word":"that","start":4112.23,"end":4112.3896,"confidence":0.99121094,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.06703540682792664},{"word":"that's","start":4112.4697,"end":4112.7896,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.06124000996351242},{"word":"the","start":4112.7896,"end":4112.8696,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05705079436302185},{"word":"other","start":4112.8696,"end":4113.11,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.06721889972686768},{"word":"side","start":4113.11,"end":4113.3496,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.027582857757806774},{"word":"of","start":4113.3496,"end":4113.51,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04342467337846756},{"word":"it","start":4113.51,"end":4113.67,"confidence":0.9975586,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.058089934289455414},{"word":"yeah","start":4113.67,"end":4113.9097,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01870122365653515},{"word":"i","start":4113.9097,"end":4113.9897,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.038274794816970825},{"word":"mean","start":4113.9897,"end":4114.3896,"confidence":0.9975586,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.02285671979188919},{"word":"the","start":4114.3896,"end":4114.63,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08019260317087173},{"word":"gross","start":4114.63,"end":4114.9497,"confidence":0.57666016,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":-0.07201922684907913},{"word":"in","start":4114.9497,"end":4115.03,"confidence":0.3852539,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.026195839047431942},{"word":"the","start":4115.03,"end":4115.19,"confidence":0.87158203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.050508417189121246},{"word":"income","start":4115.19,"end":4115.69,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.05883908271789551},{"word":"this","start":4116.07,"end":4116.3896,"confidence":0.36669922,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.047883130609989166},{"word":"for","start":4116.63,"end":4116.9497,"confidence":0.8120117,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.053813643753528595},{"word":"the","start":4116.9497,"end":4117.11,"confidence":0.48901367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.049344390630722046},{"word":"last","start":4117.11,"end":4117.3496,"confidence":0.98828125,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.036705613136291504},{"word":"twelve","start":4117.3496,"end":4117.67,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.04151301831007004},{"word":"months","start":4117.67,"end":4117.9097,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.020339831709861755},{"word":"up","start":4117.9097,"end":4118.07,"confidence":0.9951172,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.025438807904720303},{"word":"until","start":4118.07,"end":4118.4697,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.06511461734771729},{"word":"now","start":4118.4697,"end":4118.9697,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.07538281381130219},{"word":"was","start":4119.19,"end":4119.4297,"confidence":0.9667969,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.061885520815849304},{"word":"essentially","start":4119.4297,"end":4119.9097,"confidence":0.98828125,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.04436346888542175},{"word":"a","start":4119.9097,"end":4120.07,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008878108114004135},{"word":"positive","start":4120.07,"end":4120.55,"confidence":1.0,"punctuated_word":"positive","sentiment":"neutral","sentiment_score":0.03370530158281326},{"word":"of","start":4120.55,"end":4120.71,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0071172043681144714},{"word":"2%","start":4120.71,"end":4121.3696,"confidence":0.98413086,"punctuated_word":"2%.","sentiment":"neutral","sentiment_score":-0.0224757082760334},{"word":"so","start":4121.385,"end":4121.545,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.059396468102931976},{"word":"your","start":4121.545,"end":4121.7046,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06722652167081833},{"word":"fund","start":4121.7046,"end":4121.8647,"confidence":0.9941406,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.04033336043357849},{"word":"hasn't","start":4121.8647,"end":4122.2646,"confidence":0.9995117,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.04821263253688812},{"word":"made","start":4122.2646,"end":4122.425,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.04821416735649109},{"word":"a","start":4122.425,"end":4122.585,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.067803755402565},{"word":"huge","start":4122.585,"end":4122.8247,"confidence":1.0,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":-0.03172530233860016},{"word":"amount","start":4122.8247,"end":4123.1445,"confidence":0.98535156,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":-0.044596705585718155},{"word":"it's","start":4123.1445,"end":4123.3047,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.05949375033378601},{"word":"only","start":4123.3047,"end":4123.545,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.05367814004421234},{"word":"paid","start":4123.545,"end":4123.7046,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.11073802411556244},{"word":"a","start":4123.7046,"end":4123.7847,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09311704337596892},{"word":"small","start":4123.7847,"end":4124.025,"confidence":1.0,"punctuated_word":"small","sentiment":"neutral","sentiment_score":-0.11325676739215852},{"word":"amount","start":4124.025,"end":4124.3447,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.19373971223831177},{"word":"of","start":4124.3447,"end":4124.585,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20584338903427124},{"word":"tax","start":4124.585,"end":4124.905,"confidence":0.9128418,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":-0.1295444369316101},{"word":"whereas","start":4124.905,"end":4125.405,"confidence":0.99902344,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":-0.09125958383083344},{"word":"you","start":4125.545,"end":4125.7847,"confidence":0.9770508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14056101441383362},{"word":"would","start":4125.7847,"end":4125.945,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.15150953829288483},{"word":"have","start":4125.945,"end":4126.1846,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.16331642866134644},{"word":"to","start":4126.1846,"end":4126.2646,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17262999713420868},{"word":"draw","start":4126.2646,"end":4126.585,"confidence":0.99609375,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":-0.10878422856330872},{"word":"5%","start":4126.585,"end":4127.2246,"confidence":0.9838867,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":-0.07688972353935242},{"word":"out","start":4127.2246,"end":4127.545,"confidence":1.0,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.07007420063018799},{"word":"so","start":4127.545,"end":4127.7847,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0023464038968086243},{"word":"if","start":4127.7847,"end":4127.945,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.018837135285139084},{"word":"i","start":4127.945,"end":4128.105,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.025628425180912014},{"word":"look","start":4128.105,"end":4128.3447,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.005059674382209778},{"word":"at","start":4128.3447,"end":4128.505,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02199845016002655},{"word":"your","start":4128.505,"end":4128.7446,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.026916056871414185},{"word":"balance","start":4128.7446,"end":4129.1445,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.005893982946872711},{"word":"at","start":4129.1445,"end":4129.3047,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.022619813680648804},{"word":"the","start":4129.3047,"end":4129.385,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03469341993331909},{"word":"moment","start":4129.385,"end":4129.7046,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.06491459161043167},{"word":"there","start":4129.7046,"end":4129.945,"confidence":0.9355469,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.05332620441913605},{"word":"frank","start":4129.945,"end":4130.1846,"confidence":0.95214844,"punctuated_word":"Frank,","sentiment":"neutral","sentiment_score":0.06481540948152542},{"word":"just","start":4130.1846,"end":4130.425,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.057307470589876175},{"word":"to","start":4130.425,"end":4130.585,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04169104993343353},{"word":"give","start":4130.585,"end":4130.7446,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.04709344357252121},{"word":"you","start":4130.7446,"end":4130.905,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07944294065237045},{"word":"an","start":4130.905,"end":4131.065,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06763145327568054},{"word":"idea","start":4131.065,"end":4131.565,"confidence":0.7023926,"punctuated_word":"idea,","sentiment":"neutral","sentiment_score":0.03712986782193184},{"word":"i'll","start":4132.6646,"end":4132.8247,"confidence":0.85131836,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.02601506933569908},{"word":"just","start":4132.8247,"end":4133.065,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03625114634633064},{"word":"pop","start":4133.065,"end":4133.3047,"confidence":0.875,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.04364234209060669},{"word":"back","start":4133.3047,"end":4133.545,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.03566011041402817},{"word":"into","start":4133.545,"end":4133.7847,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.024524133652448658},{"word":"that","start":4133.7847,"end":4134.025,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01162281259894371},{"word":"file","start":4134.025,"end":4134.525,"confidence":0.98706055,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":-0.004736045375466347},{"word":"sorry","start":4140.69,"end":4140.93,"confidence":0.7687988,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.03743605315685272},{"word":"i'm","start":4140.93,"end":4141.1704,"confidence":0.8659668,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05024610459804535},{"word":"just","start":4141.1704,"end":4141.33,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05612323805689812},{"word":"pulling","start":4141.33,"end":4141.5703,"confidence":0.9951172,"punctuated_word":"pulling","sentiment":"neutral","sentiment_score":-0.02901536598801613},{"word":"the","start":4141.5703,"end":4141.73,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.062152743339538574},{"word":"document","start":4141.73,"end":4142.1304,"confidence":0.99902344,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.05206146091222763},{"word":"back","start":4142.1304,"end":4142.37,"confidence":0.9941406,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.04023559391498566},{"word":"up","start":4142.37,"end":4142.87,"confidence":1.0,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.04603462293744087},{"word":"okay","start":4144.45,"end":4144.85,"confidence":0.98950195,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.005600272677838802},{"word":"so","start":4144.85,"end":4145.35,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.003754974342882633},{"word":"with","start":4146.0503,"end":4146.29,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0020875558257102966},{"word":"your","start":4146.29,"end":4146.69,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.010930512100458143},{"word":"balance","start":4146.69,"end":4147.1704,"confidence":0.9921875,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.011088799685239792},{"word":"at","start":4147.1704,"end":4147.33,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0029855184257030487},{"word":"the","start":4147.33,"end":4147.5703,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01111360639333725},{"word":"moment","start":4147.5703,"end":4148.0703,"confidence":0.6966553,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.007186330389231443},{"word":"okay","start":4162.6797,"end":4163.1797,"confidence":0.88305664,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0237443745136261},{"word":"so","start":4163.6396,"end":4163.88,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013542022556066511},{"word":"with","start":4163.88,"end":4164.1196,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.018829593434929848},{"word":"the","start":4164.1196,"end":4164.1997,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01658448576927185},{"word":"balance","start":4164.1997,"end":4164.5996,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.02550426498055458},{"word":"at","start":4164.5996,"end":4164.76,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.004227757453918457},{"word":"the","start":4164.76,"end":4164.84,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019647952169179916},{"word":"moment","start":4164.84,"end":4165.34,"confidence":0.98217773,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.010792040266096592},{"word":"if","start":4166.1997,"end":4166.5195,"confidence":0.8989258,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.007317679934203625},{"word":"your","start":4166.5195,"end":4166.6797,"confidence":0.9707031,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01061307080090046},{"word":"funds","start":4166.6797,"end":4167.0796,"confidence":0.55371094,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.0028126128017902374},{"word":"say","start":4167.0796,"end":4167.32,"confidence":0.88012695,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.0037860367447137833},{"word":"as","start":4167.32,"end":4167.5596,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.008443035185337067},{"word":"an","start":4167.5596,"end":4167.7197,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.009758759289979936},{"word":"example","start":4167.7197,"end":4168.2197,"confidence":0.92211914,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.005562017671763897},{"word":"made","start":4168.28,"end":4168.6797,"confidence":0.99316406,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.01478380523622036},{"word":"$2,000","start":4168.6797,"end":4170.44,"confidence":0.9987793,"punctuated_word":"$2,000","sentiment":"neutral","sentiment_score":0.011613349430263042},{"word":"there","start":4170.44,"end":4170.84,"confidence":0.73339844,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0011448990553617475},{"word":"at","start":4170.84,"end":4171.0,"confidence":0.98828125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01134638860821724},{"word":"15%","start":4171.0,"end":4171.98,"confidence":0.97802734,"punctuated_word":"15%,","sentiment":"neutral","sentiment_score":-0.005069860257208347},{"word":"the","start":4173.015,"end":4173.255,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019049227237701416},{"word":"tax","start":4173.255,"end":4173.5747,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.002954639494419098},{"word":"on","start":4173.5747,"end":4173.735,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.023637166246771812},{"word":"that","start":4173.735,"end":4173.975,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.018654532730579376},{"word":"would","start":4173.975,"end":4174.215,"confidence":0.99609375,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.012245168909430504},{"word":"essentially","start":4174.215,"end":4174.695,"confidence":0.6855469,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.020960867404937744},{"word":"be","start":4174.695,"end":4174.855,"confidence":0.984375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.023041347041726112},{"word":"$300","start":4174.855,"end":4175.815,"confidence":0.998291,"punctuated_word":"$300.","sentiment":"neutral","sentiment_score":-0.013126103207468988},{"word":"so","start":4175.815,"end":4175.975,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0063165947794914246},{"word":"if","start":4175.975,"end":4176.135,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.002668623812496662},{"word":"your","start":4176.135,"end":4176.295,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01072097197175026},{"word":"fund","start":4176.295,"end":4176.6147,"confidence":0.9873047,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.01202809065580368},{"word":"made","start":4176.6147,"end":4176.855,"confidence":0.9892578,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.01157984510064125},{"word":"$2,000","start":4176.855,"end":4177.735,"confidence":0.99035645,"punctuated_word":"$2,000","sentiment":"neutral","sentiment_score":0.015042828395962715},{"word":"for","start":4177.735,"end":4177.895,"confidence":0.7207031,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.005155231803655624},{"word":"the","start":4177.895,"end":4177.975,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0003048926591873169},{"word":"year","start":4177.975,"end":4178.455,"confidence":0.9995117,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.003370196558535099},{"word":"it","start":4178.455,"end":4178.695,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.00453079491853714},{"word":"would","start":4178.695,"end":4178.855,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.00482337549328804},{"word":"pay","start":4178.855,"end":4179.255,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.003329947590827942},{"word":"a","start":4179.255,"end":4179.415,"confidence":0.50097656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004001827910542488},{"word":"$300","start":4179.415,"end":4180.295,"confidence":0.9941406,"punctuated_word":"$300","sentiment":"neutral","sentiment_score":-0.011855920776724815},{"word":"tax","start":4180.295,"end":4180.695,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.01934797316789627},{"word":"on","start":4180.695,"end":4180.855,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.003926873207092285},{"word":"that","start":4180.855,"end":4181.355,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.005291750654578209},{"word":"if","start":4181.735,"end":4182.0547,"confidence":0.79589844,"punctuated_word":"If,","sentiment":"neutral","sentiment_score":0.012190442532300947},{"word":"example","start":4182.0547,"end":4182.5547,"confidence":0.9482422,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.005708272568881512},{"word":"say","start":4182.775,"end":4183.0947,"confidence":0.79467773,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.017441892996430397},{"word":"you","start":4183.0947,"end":4183.335,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025305496528744698},{"word":"needed","start":4183.335,"end":4183.655,"confidence":0.99902344,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.007879311218857765},{"word":"to","start":4183.655,"end":4183.735,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01955787092447281},{"word":"take","start":4183.735,"end":4184.0547,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.02803559973835945},{"word":"out","start":4184.0547,"end":4184.375,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.022001253440976143},{"word":"income","start":4184.375,"end":4184.775,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.03371039777994156},{"word":"from","start":4184.775,"end":4185.015,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.017604989930987358},{"word":"your","start":4185.015,"end":4185.255,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.021469734609127045},{"word":"super","start":4185.255,"end":4185.495,"confidence":0.9892578,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.03563149273395538},{"word":"and","start":4185.495,"end":4185.655,"confidence":0.80810547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02585124596953392},{"word":"you","start":4185.655,"end":4185.735,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029073741286993027},{"word":"move","start":4185.735,"end":4185.975,"confidence":0.61376953,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.03982521593570709},{"word":"the","start":4185.975,"end":4186.135,"confidence":0.76464844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04169679433107376},{"word":"pension","start":4186.135,"end":4186.6147,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.02849692106246948},{"word":"phase","start":4186.6147,"end":4187.1147,"confidence":0.95166016,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.04340285062789917},{"word":"for","start":4187.255,"end":4187.495,"confidence":0.6323242,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.021656610071659088},{"word":"the","start":4187.495,"end":4187.655,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023009207099676132},{"word":"year","start":4187.655,"end":4188.155,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.029568905010819435},{"word":"at","start":4188.8403,"end":4189.0,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01692468672990799},{"word":"your","start":4189.0,"end":4189.24,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.023499350994825363},{"word":"current","start":4189.24,"end":4189.56,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.006925273686647415},{"word":"age","start":4189.56,"end":4189.8003,"confidence":0.99902344,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.009724132716655731},{"word":"there","start":4189.8003,"end":4189.96,"confidence":0.8017578,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.02391204982995987},{"word":"it's","start":4189.96,"end":4190.12,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.022912394255399704},{"word":"about","start":4190.12,"end":4190.44,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.027162659913301468},{"word":"a","start":4190.44,"end":4190.52,"confidence":0.96875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.035088617354631424},{"word":"5%","start":4190.52,"end":4191.3403,"confidence":0.94873047,"punctuated_word":"5%.","sentiment":"neutral","sentiment_score":0.01863740012049675},{"word":"so","start":4191.4,"end":4191.72,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01850937493145466},{"word":"5%","start":4191.72,"end":4192.6,"confidence":0.9946289,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.03407883644104004},{"word":"times","start":4192.6,"end":4192.92,"confidence":0.9970703,"punctuated_word":"times","sentiment":"neutral","sentiment_score":0.031974468380212784},{"word":"your","start":4192.92,"end":4193.08,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04028621315956116},{"word":"current","start":4193.08,"end":4193.4,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.02645096927881241},{"word":"balance","start":4193.4,"end":4193.8003,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.021558191627264023},{"word":"of","start":4193.8003,"end":4193.96,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030309613794088364},{"word":"$89.03","start":4193.96,"end":4194.7603,"confidence":0.9902344,"punctuated_word":"$89.03","sentiment":"neutral","sentiment_score":0.026797978207468987},{"word":"$7.00","start":4194.7603,"end":4195.74,"confidence":0.97631836,"punctuated_word":"$7.00","sentiment":"neutral","sentiment_score":0.03364621102809906},{"word":"and","start":4196.12,"end":4196.44,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.016952363774180412},{"word":"82¢","start":4196.44,"end":4197.42,"confidence":0.98583984,"punctuated_word":"82¢."},{"word":"it","start":4197.8003,"end":4198.04,"confidence":0.9790039,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.012268301099538805},{"word":"essentially","start":4198.04,"end":4198.36,"confidence":0.9921875,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.008206730708479881},{"word":"means","start":4198.36,"end":4198.68,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.044078726321458817},{"word":"you'd","start":4198.68,"end":4198.8403,"confidence":0.9946289,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.04649057611823082},{"word":"have","start":4198.8403,"end":4199.08,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0595555305480957},{"word":"to","start":4199.08,"end":4199.16,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021073907613754272},{"word":"draw","start":4199.16,"end":4199.48,"confidence":0.9980469,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.03469672054052353},{"word":"out","start":4199.48,"end":4199.64,"confidence":0.77978516,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0555434450507164},{"word":"that","start":4199.64,"end":4199.88,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03467625007033348},{"word":"$4,468","start":4199.88,"end":4199.955,"confidence":0.7449079,"punctuated_word":"$4,468","sentiment":"neutral","sentiment_score":0.031676650047302246},{"word":"for","start":4199.955,"end":4199.965,"confidence":0.73291016,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0423787385225296},{"word":"the","start":4199.965,"end":4199.974,"confidence":0.7319336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04322848096489906},{"word":"year","start":4199.974,"end":4199.9834,"confidence":0.7770996,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.030632153153419495},{"word":"that's","start":4199.9834,"end":4199.993,"confidence":0.8774414,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.04327096790075302},{"word":"a","start":4199.993,"end":4200.0024,"confidence":0.34106445,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05852438509464264},{"word":"5%","start":4200.0024,"end":4200.021,"confidence":0.75024414,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.04507315158843994},{"word":"of","start":4200.021,"end":4200.031,"confidence":0.7871094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.048277273774147034},{"word":"your","start":4200.031,"end":4200.04,"confidence":0.9013672,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02572828158736229},{"word":"current","start":4200.04,"end":4200.54,"confidence":0.8251953,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.021107874810695648},{"word":"balance","start":4200.6,"end":4201.095,"confidence":0.9199219,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":0.0367041677236557},{"word":"$168","start":4202.1353,"end":4203.435,"confidence":0.7498779,"punctuated_word":"$168","sentiment":"neutral","sentiment_score":0.04997611045837402},{"word":"for","start":4203.6553,"end":4203.8154,"confidence":0.8588867,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06330451369285583},{"word":"the","start":4203.8154,"end":4203.975,"confidence":0.8388672,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06730642169713974},{"word":"year","start":4203.975,"end":4204.1353,"confidence":0.782959,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.06545949727296829},{"word":"that's","start":4204.1353,"end":4204.2383,"confidence":0.95336914,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08291521668434143},{"word":"at","start":4204.2383,"end":4204.341,"confidence":0.5522461,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11787112802267076},{"word":"5%","start":4204.341,"end":4204.5464,"confidence":0.78564453,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.11249673366546632},{"word":"of","start":4204.5464,"end":4204.6494,"confidence":0.9248047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11172962933778764},{"word":"your","start":4204.6494,"end":4204.752,"confidence":0.9165039,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07302110642194748},{"word":"current","start":4204.752,"end":4204.855,"confidence":0.70703125,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.06714234501123428},{"word":"balance","start":4204.855,"end":4205.3354,"confidence":0.97387695,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":0.061491310596466064},{"word":"so","start":4205.3354,"end":4205.7354,"confidence":0.92626953,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.07636415958404541},{"word":"frankly","start":4205.7354,"end":4206.2354,"confidence":0.7807617,"punctuated_word":"frankly,","sentiment":"neutral","sentiment_score":0.11073721945285796},{"word":"beating","start":4207.575,"end":4208.055,"confidence":0.48291016,"punctuated_word":"beating","sentiment":"neutral","sentiment_score":0.103256918489933},{"word":"that","start":4208.055,"end":4208.2153,"confidence":0.9316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07224191725254059},{"word":"accumulation","start":4208.2153,"end":4208.7153,"confidence":0.78027344,"punctuated_word":"accumulation","sentiment":"neutral","sentiment_score":0.12619271874427795},{"word":"phase","start":4209.1753,"end":4209.495,"confidence":0.9165039,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.1107732281088829},{"word":"now","start":4209.495,"end":4209.895,"confidence":0.7163086,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.0821554958820343},{"word":"whilst","start":4209.895,"end":4210.2954,"confidence":0.9550781,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":0.06389596313238144},{"word":"your","start":4210.2954,"end":4210.455,"confidence":0.9550781,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.038302354514598846},{"word":"fund","start":4210.455,"end":4210.6953,"confidence":0.93847656,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.07285401970148087},{"word":"is","start":4210.6953,"end":4210.855,"confidence":0.9838867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06217624992132187},{"word":"still","start":4210.855,"end":4211.1753,"confidence":0.9760742,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.015388153493404388},{"word":"paying","start":4211.1753,"end":4211.495,"confidence":0.9667969,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.057601504027843475},{"word":"tax","start":4211.495,"end":4211.995,"confidence":0.8720703,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.06137058138847351},{"word":"the","start":4212.375,"end":4212.535,"confidence":0.9589844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10589734464883804},{"word":"tax","start":4212.535,"end":4212.7754,"confidence":0.8222656,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.019686438143253326},{"word":"it's","start":4212.7754,"end":4213.015,"confidence":0.710083,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0356832779943943},{"word":"probably","start":4213.015,"end":4213.3354,"confidence":0.98291016,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.04129234701395035},{"word":"paying","start":4213.3354,"end":4213.6553,"confidence":0.9980469,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.07364541292190552},{"word":"on","start":4213.6553,"end":4213.8154,"confidence":0.9921875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08215492218732834},{"word":"the","start":4213.8154,"end":4213.975,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05118589848279953},{"word":"income","start":4213.975,"end":4214.375,"confidence":0.9589844,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.08847290277481079},{"word":"it's","start":4214.375,"end":4214.615,"confidence":0.9562988,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10577940195798874},{"word":"made","start":4214.615,"end":4214.935,"confidence":0.9941406,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.12668967247009277},{"word":"this","start":4214.935,"end":4215.1753,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.09973017871379852},{"word":"year","start":4215.1753,"end":4215.6753,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.08779989182949066},{"word":"is","start":4215.93,"end":4216.17,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07367106527090073},{"word":"lower","start":4216.17,"end":4216.65,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.04701562225818634},{"word":"than","start":4216.65,"end":4216.89,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.07275661081075668},{"word":"the","start":4216.89,"end":4217.05,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03598666936159134},{"word":"amount","start":4217.05,"end":4217.29,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.07036858797073364},{"word":"you","start":4217.29,"end":4217.4497,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026509031653404236},{"word":"would","start":4217.4497,"end":4217.69,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02798757702112198},{"word":"have","start":4217.69,"end":4217.85,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01551935076713562},{"word":"to","start":4217.85,"end":4218.01,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007323332130908966},{"word":"draw","start":4218.01,"end":4218.41,"confidence":0.9980469,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.03723569214344025},{"word":"out","start":4218.41,"end":4218.91,"confidence":0.9975586,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.006443854421377182},{"word":"does","start":4218.9697,"end":4219.21,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0909765362739563},{"word":"that","start":4219.21,"end":4219.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05723217502236366},{"word":"make","start":4219.37,"end":4219.61,"confidence":0.9951172,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.02810472995042801},{"word":"sense","start":4219.61,"end":4220.11,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.10222559422254562},{"word":"yeah","start":4220.4897,"end":4220.9897,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21271640062332153},{"word":"yeah","start":4222.57,"end":4223.07,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3285341262817383},{"word":"so","start":4223.53,"end":4223.85,"confidence":0.8496094,"punctuated_word":"So,","sentiment":"positive","sentiment_score":0.3836691677570343},{"word":"realistically","start":4223.85,"end":4224.35,"confidence":0.9995117,"punctuated_word":"realistically,","sentiment":"positive","sentiment_score":0.3783838152885437},{"word":"staying","start":4224.65,"end":4224.89,"confidence":0.8125,"punctuated_word":"staying","sentiment":"positive","sentiment_score":0.37093451619148254},{"word":"in","start":4224.89,"end":4225.13,"confidence":0.8198242,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.39509642124176025},{"word":"accumulation","start":4225.13,"end":4225.63,"confidence":0.9921875,"punctuated_word":"accumulation","sentiment":"positive","sentiment_score":0.4336595237255096},{"word":"right","start":4225.93,"end":4226.17,"confidence":0.9980469,"punctuated_word":"right","sentiment":"positive","sentiment_score":0.39784151315689087},{"word":"now","start":4226.17,"end":4226.4897,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.32496604323387146},{"word":"means","start":4226.4897,"end":4226.81,"confidence":0.99609375,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.32930004596710205},{"word":"that","start":4226.81,"end":4226.9697,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3780539035797119},{"word":"you","start":4226.9697,"end":4227.13,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28031444549560547},{"word":"don't","start":4227.13,"end":4227.37,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.3009529709815979},{"word":"have","start":4227.37,"end":4227.61,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2824961543083191},{"word":"to","start":4227.61,"end":4227.77,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14701858162879944},{"word":"draw","start":4227.77,"end":4228.01,"confidence":0.99316406,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.28732478618621826},{"word":"that","start":4228.01,"end":4228.25,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1901189535856247},{"word":"money","start":4228.25,"end":4228.65,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.32510802149772644},{"word":"out","start":4228.65,"end":4228.9697,"confidence":0.99121094,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.281829833984375},{"word":"it","start":4228.9697,"end":4229.13,"confidence":0.99902344,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.33468371629714966},{"word":"is","start":4229.13,"end":4229.21,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3552951514720917},{"word":"still","start":4229.21,"end":4229.53,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.3322097063064575},{"word":"currently","start":4229.53,"end":4230.01,"confidence":0.68115234,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.26652535796165466},{"word":"paying","start":4230.01,"end":4230.25,"confidence":0.8232422,"punctuated_word":"paying","sentiment":"positive","sentiment_score":0.3530164957046509},{"word":"tax","start":4230.25,"end":4230.675,"confidence":0.9875488,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.3019753098487854},{"word":"but","start":4230.675,"end":4230.835,"confidence":0.984375,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.3865114748477936},{"word":"you","start":4230.835,"end":4231.0747,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3572620153427124},{"word":"still","start":4231.0747,"end":4231.155,"confidence":0.99121094,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3764726221561432},{"word":"have","start":4231.155,"end":4231.395,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4145888388156891},{"word":"an","start":4231.395,"end":4231.635,"confidence":1.0,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.4017331004142761},{"word":"opportunity","start":4231.635,"end":4232.135,"confidence":1.0,"punctuated_word":"opportunity","sentiment":"positive","sentiment_score":0.477931410074234},{"word":"to","start":4232.195,"end":4232.275,"confidence":0.9941406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5801464319229126},{"word":"grow","start":4232.275,"end":4232.5947,"confidence":1.0,"punctuated_word":"grow","sentiment":"positive","sentiment_score":0.4706121385097504},{"word":"your","start":4232.5947,"end":4232.755,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4607008695602417},{"word":"balance","start":4232.755,"end":4233.235,"confidence":1.0,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.4480076730251312},{"word":"even","start":4233.235,"end":4233.4746,"confidence":1.0,"punctuated_word":"even","sentiment":"positive","sentiment_score":0.4806558489799499},{"word":"more","start":4233.4746,"end":4233.9746,"confidence":0.99902344,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.35123053193092346},{"word":"without","start":4234.0347,"end":4234.5146,"confidence":0.9980469,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.32043448090553284},{"word":"the","start":4234.5146,"end":4234.755,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25015634298324585},{"word":"requirement","start":4234.755,"end":4235.255,"confidence":0.99902344,"punctuated_word":"requirement","sentiment":"neutral","sentiment_score":0.23832181096076965},{"word":"of","start":4235.315,"end":4235.5547,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1613823175430298},{"word":"drawing","start":4235.5547,"end":4235.9546,"confidence":0.9970703,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":0.23972049355506897},{"word":"down","start":4235.9546,"end":4236.275,"confidence":0.9946289,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.20111031830310824},{"word":"so","start":4236.275,"end":4236.5146,"confidence":0.984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19112399220466617},{"word":"are","start":4236.5146,"end":4236.675,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.26229149103164673},{"word":"you","start":4236.675,"end":4236.835,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2284792959690094},{"word":"happy","start":4236.835,"end":4237.155,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.3218017816543579},{"word":"just","start":4237.155,"end":4237.395,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.28330889344215393},{"word":"to","start":4237.395,"end":4237.5547,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2580338418483734},{"word":"stay","start":4237.5547,"end":4237.715,"confidence":0.9980469,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.2583036720752716},{"word":"in","start":4237.715,"end":4237.875,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3141755163669586},{"word":"that","start":4237.875,"end":4238.1147,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21922795474529264},{"word":"sort","start":4238.1147,"end":4238.275,"confidence":0.97509766,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.30250686407089233},{"word":"of","start":4238.275,"end":4238.775,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.206284299492836},{"word":"accumulation","start":4238.835,"end":4239.335,"confidence":0.8803711,"punctuated_word":"accumulation","sentiment":"neutral","sentiment_score":0.20954468846321103},{"word":"or","start":4239.9546,"end":4240.0347,"confidence":0.6333008,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.3814077973365784},{"word":"super","start":4240.0347,"end":4240.4346,"confidence":0.9277344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.22676877677440643},{"word":"stage","start":4240.4346,"end":4240.835,"confidence":0.9633789,"punctuated_word":"stage","sentiment":"neutral","sentiment_score":0.19409026205539703},{"word":"now","start":4240.835,"end":4241.335,"confidence":0.9995117,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.18176019191741943},{"word":"yep","start":4243.9697,"end":4244.4697,"confidence":0.9577637,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16678988933563232},{"word":"and","start":4244.61,"end":4244.77,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14084091782569885},{"word":"we","start":4244.77,"end":4244.93,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2008601725101471},{"word":"can","start":4244.93,"end":4245.17,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14023756980895996},{"word":"look","start":4245.17,"end":4245.33,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14866846799850464},{"word":"at","start":4245.33,"end":4245.57,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22479009628295896},{"word":"maybe","start":4245.57,"end":4245.89,"confidence":0.9707031,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.2237292230129242},{"word":"moving","start":4245.89,"end":4246.21,"confidence":0.99902344,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.16297033429145813},{"word":"into","start":4246.21,"end":4246.37,"confidence":0.8989258,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.24845710396766665},{"word":"pension","start":4246.37,"end":4246.69,"confidence":0.9970703,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.16057609021663666},{"word":"when","start":4246.69,"end":4246.93,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1807461827993393},{"word":"robin","start":4246.93,"end":4247.33,"confidence":0.9580078,"punctuated_word":"Robin","sentiment":"neutral","sentiment_score":0.18884330987930295},{"word":"turns","start":4247.33,"end":4247.65,"confidence":0.70703125,"punctuated_word":"turns","sentiment":"neutral","sentiment_score":0.20270463824272156},{"word":"67","start":4247.65,"end":4248.4497,"confidence":0.99658203,"punctuated_word":"67.","sentiment":"neutral","sentiment_score":0.15607231855392456},{"word":"does","start":4248.4497,"end":4248.69,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.23463492095470428},{"word":"that","start":4248.69,"end":4248.85,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16679568588733673},{"word":"sound","start":4248.85,"end":4249.17,"confidence":0.99902344,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.1659402698278427},{"word":"right","start":4249.17,"end":4249.41,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.10110454261302948},{"word":"to","start":4249.41,"end":4249.57,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10949986428022385},{"word":"you","start":4249.57,"end":4250.07,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.13439525663852692},{"word":"yeah","start":4251.89,"end":4252.39,"confidence":0.9550781,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17397752404212952},{"word":"fantastic","start":4252.93,"end":4253.43,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.40991342067718506},{"word":"now","start":4254.61,"end":4254.85,"confidence":0.9902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.16143181920051575},{"word":"i've","start":4254.85,"end":4255.17,"confidence":0.9951172,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2245541661977768},{"word":"covered","start":4255.17,"end":4255.57,"confidence":1.0,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.24656884372234344},{"word":"a","start":4255.57,"end":4255.65,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14829975366592407},{"word":"lot","start":4255.65,"end":4255.9697,"confidence":0.9645996,"punctuated_word":"lot,","sentiment":"neutral","sentiment_score":0.1542189121246338},{"word":"and","start":4255.9697,"end":4256.13,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07718440890312195},{"word":"i'm","start":4256.13,"end":4256.37,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07373060286045074},{"word":"so","start":4256.37,"end":4256.61,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0003900676965713501},{"word":"sorry","start":4256.61,"end":4256.93,"confidence":0.8852539,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.017680438235402107},{"word":"but","start":4256.93,"end":4257.33,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.010060887783765793},{"word":"do","start":4257.33,"end":4257.41,"confidence":0.28955078,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05903943255543709},{"word":"either","start":4257.4897,"end":4257.81,"confidence":0.4206543,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.010367248207330704},{"word":"of","start":4257.81,"end":4257.89,"confidence":0.57421875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.055684540420770645},{"word":"you","start":4257.89,"end":4258.05,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03428163379430771},{"word":"have","start":4258.05,"end":4258.29,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04842043295502663},{"word":"any","start":4258.29,"end":4258.605,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.036439135670661926},{"word":"questions","start":4258.685,"end":4259.085,"confidence":0.9946289,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.051511719822883606},{"word":"did","start":4259.085,"end":4259.325,"confidence":0.9863281,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07833205908536911},{"word":"you","start":4259.325,"end":4259.485,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.055161070078611374},{"word":"want","start":4259.485,"end":4259.565,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.07082092016935349},{"word":"me","start":4259.565,"end":4259.805,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10164818167686462},{"word":"to","start":4259.805,"end":4259.885,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08935588598251343},{"word":"break","start":4259.885,"end":4260.125,"confidence":1.0,"punctuated_word":"break","sentiment":"neutral","sentiment_score":0.09296084940433502},{"word":"anything","start":4260.125,"end":4260.525,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.04288458451628685},{"word":"down","start":4260.525,"end":4261.005,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.029630765318870544},{"word":"more","start":4261.005,"end":4261.325,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.019672028720378876},{"word":"for","start":4261.325,"end":4261.565,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10267727077007294},{"word":"you","start":4261.565,"end":4261.965,"confidence":0.86938477,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.00612739659845829},{"word":"or","start":4261.965,"end":4262.465,"confidence":0.9970703,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.13366977870464325},{"word":"no","start":4264.845,"end":4265.345,"confidence":0.7687988,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.06295642256736755},{"word":"that's","start":4265.725,"end":4266.225,"confidence":0.91259766,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2182033360004425},{"word":"oh","start":4267.965,"end":4268.285,"confidence":0.9851074,"punctuated_word":"oh,","sentiment":"positive","sentiment_score":0.391467422246933},{"word":"that's","start":4268.285,"end":4268.605,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5065335631370544},{"word":"good","start":4268.605,"end":4268.925,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5106971263885498},{"word":"that's","start":4268.925,"end":4269.245,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6016052961349487},{"word":"good","start":4269.245,"end":4269.485,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.16802483797073364},{"word":"it","start":4269.485,"end":4269.645,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.20657244324684143},{"word":"came","start":4269.645,"end":4269.7646,"confidence":0.9199219,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.1421959400177002},{"word":"a","start":4269.7646,"end":4269.885,"confidence":0.4753418,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18601974844932556},{"word":"bit","start":4269.885,"end":4270.125,"confidence":0.94140625,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.24959032237529755},{"word":"a","start":4270.125,"end":4270.205,"confidence":0.7050781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2819477915763855},{"word":"bit","start":4270.205,"end":4270.445,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.24538013339042664},{"word":"confusing","start":4270.445,"end":4270.945,"confidence":0.8461914,"punctuated_word":"confusing,","sentiment":"neutral","sentiment_score":-0.20516085624694824},{"word":"but","start":4271.005,"end":4271.245,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.11739227920770644},{"word":"please","start":4271.245,"end":4271.485,"confidence":0.9667969,"punctuated_word":"please","sentiment":"neutral","sentiment_score":-0.04918394982814789},{"word":"let","start":4271.485,"end":4271.645,"confidence":0.9980469,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.0037622004747390743},{"word":"me","start":4271.645,"end":4271.805,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.04320359230041504},{"word":"know","start":4271.805,"end":4271.885,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.025023922324180603},{"word":"if","start":4271.885,"end":4272.045,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03806164115667343},{"word":"there's","start":4272.045,"end":4272.205,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.016054091975092888},{"word":"anything","start":4272.205,"end":4272.525,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.013447590172290802},{"word":"you","start":4272.525,"end":4272.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0054293423891067505},{"word":"wanted","start":4272.685,"end":4272.925,"confidence":0.9921875,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.04850897938013077},{"word":"me","start":4272.925,"end":4273.085,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.057584285736083984},{"word":"to","start":4273.085,"end":4273.245,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07325748354196548},{"word":"sort","start":4273.245,"end":4273.565,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.06957066059112549},{"word":"of","start":4273.565,"end":4273.645,"confidence":0.8540039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02995854616165161},{"word":"touch","start":4273.645,"end":4273.885,"confidence":0.9970703,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":-0.0296185240149498},{"word":"on","start":4273.885,"end":4274.385,"confidence":0.99902344,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.0431523360311985},{"word":"what","start":4275.03,"end":4275.27,"confidence":0.9707031,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.0027773231267929077},{"word":"i","start":4275.27,"end":4275.4297,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.010255716741085052},{"word":"can","start":4275.4297,"end":4275.67,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.009197443723678589},{"word":"do","start":4275.67,"end":4275.8296,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.023445069789886475},{"word":"now","start":4275.8296,"end":4276.07,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.011013701558113098},{"word":"is","start":4276.07,"end":4276.3896,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03547486662864685},{"word":"i","start":4276.3896,"end":4276.4697,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.025493860244750977},{"word":"can","start":4276.4697,"end":4276.71,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03578273952007294},{"word":"go","start":4276.71,"end":4276.9497,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.029215708374977112},{"word":"back","start":4276.9497,"end":4277.27,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.019332125782966617},{"word":"and","start":4277.27,"end":4277.51,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06448994576931},{"word":"just","start":4277.51,"end":4277.8296,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.013096287846565248},{"word":"look","start":4277.8296,"end":4277.9897,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.006188839673995972},{"word":"at","start":4277.9897,"end":4278.15,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.009933844208717346},{"word":"the","start":4278.15,"end":4278.3896,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04469871520996094},{"word":"research","start":4278.3896,"end":4278.8896,"confidence":0.9851074,"punctuated_word":"research.","sentiment":"neutral","sentiment_score":0.057767726480960846},{"word":"we","start":4278.9497,"end":4279.11,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07266109436750412},{"word":"can","start":4279.11,"end":4279.3496,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.060113325715065},{"word":"update","start":4279.3496,"end":4279.75,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.10027950257062912},{"word":"the","start":4279.75,"end":4279.9097,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12827140092849731},{"word":"advice","start":4279.9097,"end":4280.3896,"confidence":0.99121094,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":-0.016313429921865463},{"word":"we'll","start":4280.3896,"end":4280.63,"confidence":1.0,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.03793833777308464},{"word":"look","start":4280.63,"end":4280.79,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03057551570236683},{"word":"at","start":4280.79,"end":4280.9497,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02942325919866562},{"word":"the","start":4280.9497,"end":4281.11,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030330263078212735},{"word":"two","start":4281.11,"end":4281.4297,"confidence":0.9951172,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.02819189615547657},{"word":"stages","start":4281.4297,"end":4281.8296,"confidence":0.7548828,"punctuated_word":"stages,","sentiment":"neutral","sentiment_score":0.034422293305397034},{"word":"what","start":4281.8296,"end":4282.07,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.040112510323524475},{"word":"we","start":4282.07,"end":4282.23,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03824682533740997},{"word":"do","start":4282.23,"end":4282.4697,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.041243571788072586},{"word":"now","start":4282.4697,"end":4282.71,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.03808636963367462},{"word":"with","start":4282.71,"end":4282.9497,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.044397663325071335},{"word":"the","start":4282.9497,"end":4283.19,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05532088130712509},{"word":"super","start":4283.19,"end":4283.69,"confidence":0.93066406,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.050650015473365784},{"word":"with","start":4283.9097,"end":4284.07,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05043742060661316},{"word":"the","start":4284.07,"end":4284.3096,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06169851124286651},{"word":"investments","start":4284.3096,"end":4284.8096,"confidence":0.9470215,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.03992867097258568},{"word":"and","start":4284.9497,"end":4285.19,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04757067561149597},{"word":"how","start":4285.19,"end":4285.3496,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.042837731540203094},{"word":"that","start":4285.3496,"end":4285.59,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05357947573065758},{"word":"looks","start":4285.59,"end":4286.09,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.03906577080488205},{"word":"when","start":4286.79,"end":4287.03,"confidence":0.9243164,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04559768736362457},{"word":"you","start":4287.03,"end":4287.19,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.052887894213199615},{"word":"turn","start":4287.19,"end":4287.51,"confidence":0.94384766,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.05302279442548752},{"word":"57","start":4287.51,"end":4288.215,"confidence":0.76049805,"punctuated_word":"57,","sentiment":"neutral","sentiment_score":0.04782051965594292},{"word":"robin","start":4288.215,"end":4288.455,"confidence":0.93725586,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.06280943751335144},{"word":"and","start":4288.455,"end":4288.6147,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0507950447499752},{"word":"when","start":4288.6147,"end":4288.775,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04975614324212074},{"word":"you","start":4288.775,"end":4288.935,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05287445709109306},{"word":"are","start":4288.935,"end":4289.175,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03353457897901535},{"word":"both","start":4289.175,"end":4289.415,"confidence":0.9951172,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.04422524571418762},{"word":"fully","start":4289.415,"end":4289.895,"confidence":1.0,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.056326791644096375},{"word":"retired","start":4289.895,"end":4290.395,"confidence":1.0,"punctuated_word":"retired","sentiment":"neutral","sentiment_score":0.03262121602892876},{"word":"and","start":4290.5347,"end":4290.695,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03321593999862671},{"word":"needing","start":4290.695,"end":4291.0146,"confidence":1.0,"punctuated_word":"needing","sentiment":"neutral","sentiment_score":0.04369138181209564},{"word":"to","start":4291.0146,"end":4291.175,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05813746899366379},{"word":"draw","start":4291.175,"end":4291.415,"confidence":0.9951172,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.06490940600633621},{"word":"down","start":4291.415,"end":4291.655,"confidence":0.8691406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.07131700217723846},{"word":"on","start":4291.655,"end":4291.815,"confidence":0.9482422,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07204943895339966},{"word":"what","start":4291.815,"end":4291.975,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07040741294622421},{"word":"we","start":4291.975,"end":4292.0547,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0647391602396965},{"word":"can","start":4292.0547,"end":4292.215,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.055786073207855225},{"word":"do","start":4292.215,"end":4292.5347,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07046972215175629},{"word":"income","start":4292.5347,"end":4292.935,"confidence":0.9863281,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0740223154425621},{"word":"wise","start":4292.935,"end":4293.435,"confidence":0.83984375,"punctuated_word":"wise.","sentiment":"neutral","sentiment_score":0.06580338627099991},{"word":"that'll","start":4293.655,"end":4294.0547,"confidence":0.9946289,"punctuated_word":"That'll","sentiment":"neutral","sentiment_score":0.05986203253269195},{"word":"give","start":4294.0547,"end":4294.215,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.0765794888138771},{"word":"us","start":4294.215,"end":4294.455,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.0802205502986908},{"word":"a","start":4294.455,"end":4294.6147,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08953066915273666},{"word":"guide","start":4294.6147,"end":4295.1147,"confidence":0.47314453,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.1172582432627678},{"word":"tracking","start":4295.255,"end":4295.755,"confidence":0.55078125,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.09582018107175828},{"word":"and","start":4295.895,"end":4296.0547,"confidence":0.83251953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10282323509454729},{"word":"what","start":4296.0547,"end":4296.215,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11908065527677536},{"word":"we're","start":4296.215,"end":4296.695,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.09661945700645448},{"word":"planning","start":4296.695,"end":4297.195,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.11096207052469254},{"word":"over","start":4297.255,"end":4297.4946,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.09996384382247923},{"word":"the","start":4297.4946,"end":4297.5747,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0850386768579483},{"word":"next","start":4297.5747,"end":4297.895,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.06894346326589584},{"word":"few","start":4297.895,"end":4298.395,"confidence":0.99902344,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.06839527189731598},{"word":"years","start":4298.855,"end":4299.355,"confidence":0.91918945,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.09306882321834564},{"word":"and","start":4299.4946,"end":4299.735,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06034141778945923},{"word":"then","start":4299.735,"end":4299.975,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0628640279173851},{"word":"moving","start":4299.975,"end":4300.375,"confidence":0.9921875,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.07742854952812195},{"word":"forward","start":4300.375,"end":4300.695,"confidence":0.99560547,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.07224532961845398},{"word":"we","start":4300.695,"end":4300.855,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07786428183317184},{"word":"can","start":4300.855,"end":4301.0947,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07991514354944229},{"word":"just","start":4301.0947,"end":4301.335,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10679691284894945},{"word":"keep","start":4301.335,"end":4301.655,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.0923326537013054},{"word":"reviewing","start":4301.655,"end":4302.155,"confidence":1.0,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.07756143808364868},{"word":"that","start":4302.215,"end":4302.5347,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09848061949014664},{"word":"and","start":4302.5347,"end":4302.775,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08731363713741302},{"word":"make","start":4302.775,"end":4303.08,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13220661878585815},{"word":"changes","start":4303.24,"end":4303.72,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.09893921762704848},{"word":"as","start":4303.72,"end":4303.96,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13665492832660675},{"word":"we","start":4303.96,"end":4304.12,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09759889543056488},{"word":"need","start":4304.12,"end":4304.44,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1084323525428772},{"word":"to","start":4304.44,"end":4304.6,"confidence":0.99853516,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.09354212880134584},{"word":"does","start":4304.6,"end":4304.84,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.06518176943063736},{"word":"that","start":4304.84,"end":4305.0,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10586649179458618},{"word":"sound","start":4305.0,"end":4305.3203,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.05742737650871277},{"word":"okay","start":4305.3203,"end":4305.8003,"confidence":0.9995117,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.06629757583141327},{"word":"do","start":4305.8003,"end":4306.12,"confidence":0.9536133,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.015261312946677208},{"word":"both","start":4306.12,"end":4306.36,"confidence":0.6152344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.0323944166302681},{"word":"of","start":4306.36,"end":4306.44,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026482440531253815},{"word":"you","start":4306.44,"end":4306.68,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015751913189888},{"word":"have","start":4306.68,"end":4306.84,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.018256809562444687},{"word":"any","start":4306.84,"end":4307.08,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.021068520843982697},{"word":"additional","start":4307.08,"end":4307.56,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.01527446322143078},{"word":"questions","start":4307.56,"end":4308.06,"confidence":0.9951172,"punctuated_word":"questions?","sentiment":"neutral","sentiment_score":0.03223036602139473},{"word":"that","start":4311.0,"end":4311.16,"confidence":0.9267578,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.6219900846481323},{"word":"sounds","start":4311.16,"end":4311.66,"confidence":0.99316406,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.6457802653312683},{"word":"great","start":4311.72,"end":4312.22,"confidence":0.93237305,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6816474795341492},{"word":"fantastic","start":4312.44,"end":4312.94,"confidence":0.9995117,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7165606021881104},{"word":"lovely","start":4313.56,"end":4314.06,"confidence":1.0,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.6302533149719238},{"word":"well","start":4314.36,"end":4314.6,"confidence":1.0,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.34078508615493774},{"word":"i","start":4314.6,"end":4314.7603,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.34149888157844543},{"word":"feel","start":4314.7603,"end":4314.92,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.3279842138290405},{"word":"like","start":4314.92,"end":4315.16,"confidence":0.99609375,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3410608470439911},{"word":"i've","start":4315.16,"end":4315.3203,"confidence":0.98535156,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.27577221393585205},{"word":"taken","start":4315.3203,"end":4315.64,"confidence":0.99902344,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":0.2976067066192627},{"word":"up","start":4315.64,"end":4315.8003,"confidence":0.9970703,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.340460866689682},{"word":"enough","start":4315.8003,"end":4316.04,"confidence":1.0,"punctuated_word":"enough","sentiment":"positive","sentiment_score":0.4017392694950104},{"word":"of","start":4316.04,"end":4316.2803,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.374401181936264},{"word":"your","start":4316.2803,"end":4316.44,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4075888097286224},{"word":"precious","start":4316.44,"end":4316.84,"confidence":1.0,"punctuated_word":"precious","sentiment":"positive","sentiment_score":0.3499490022659302},{"word":"time","start":4316.84,"end":4317.08,"confidence":0.8820801,"punctuated_word":"time,","sentiment":"positive","sentiment_score":0.3809852600097656},{"word":"so","start":4317.08,"end":4317.4,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.329399049282074},{"word":"i","start":4317.4,"end":4317.48,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.30032917857170105},{"word":"will","start":4317.48,"end":4317.64,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2839938700199127},{"word":"let","start":4317.64,"end":4317.88,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.3262518346309662},{"word":"you","start":4317.88,"end":4318.04,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2630009353160858},{"word":"both","start":4318.04,"end":4318.36,"confidence":0.9951172,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.27656370401382446},{"word":"go","start":4318.36,"end":4318.86,"confidence":0.99902344,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.312543123960495},{"word":"i'll","start":4319.505,"end":4319.585,"confidence":0.99658203,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17242443561553955},{"word":"get","start":4319.585,"end":4319.745,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.16770179569721222},{"word":"my","start":4319.745,"end":4319.985,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.14684179425239563},{"word":"team","start":4319.985,"end":4320.225,"confidence":0.99121094,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.13918565213680267},{"word":"just","start":4320.225,"end":4320.385,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22992931306362152},{"word":"to","start":4320.385,"end":4320.545,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16377142071723938},{"word":"double","start":4320.545,"end":4320.7847,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.1776814162731171},{"word":"check","start":4320.7847,"end":4321.025,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.186397522687912},{"word":"that","start":4321.025,"end":4321.185,"confidence":0.7963867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16011559963226318},{"word":"both","start":4321.185,"end":4321.425,"confidence":0.96875,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.13666822016239166},{"word":"those","start":4321.425,"end":4321.665,"confidence":0.84228516,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1639414131641388},{"word":"odor","start":4321.665,"end":4322.065,"confidence":0.38256836,"punctuated_word":"odor","sentiment":"neutral","sentiment_score":0.0752057284116745},{"word":"signs","start":4322.065,"end":4322.3047,"confidence":0.9951172,"punctuated_word":"signs","sentiment":"neutral","sentiment_score":0.017423637211322784},{"word":"have","start":4322.3047,"end":4322.465,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09531907737255096},{"word":"gone","start":4322.465,"end":4322.705,"confidence":1.0,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.10751662403345108},{"word":"through","start":4322.705,"end":4322.945,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12689122557640076},{"word":"with","start":4322.945,"end":4323.105,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1447797864675522},{"word":"the","start":4323.105,"end":4323.185,"confidence":0.9604492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1547686755657196},{"word":"ongoing","start":4323.185,"end":4323.665,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.1562604159116745},{"word":"service","start":4323.665,"end":4323.985,"confidence":1.0,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.16116032004356384},{"word":"agreement","start":4323.985,"end":4324.485,"confidence":0.97314453,"punctuated_word":"agreement.","sentiment":"neutral","sentiment_score":0.17381784319877625},{"word":"if","start":4324.8647,"end":4325.025,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.09464946389198305},{"word":"there's","start":4325.025,"end":4325.265,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.06124319136142731},{"word":"any","start":4325.265,"end":4325.505,"confidence":0.95166016,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.029124397784471512},{"word":"issue","start":4325.505,"end":4325.8247,"confidence":0.99853516,"punctuated_word":"issue,","sentiment":"neutral","sentiment_score":0.03841220587491989},{"word":"we'll","start":4325.8247,"end":4325.985,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.12365242093801498},{"word":"make","start":4325.985,"end":4326.225,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1228143572807312},{"word":"sure","start":4326.225,"end":4326.385,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10724951326847076},{"word":"we","start":4326.385,"end":4326.625,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1637352555990219},{"word":"resend","start":4326.625,"end":4327.025,"confidence":0.99853516,"punctuated_word":"resend","sentiment":"neutral","sentiment_score":0.13683152198791504},{"word":"it","start":4327.025,"end":4327.185,"confidence":0.96875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2344074547290802},{"word":"through","start":4327.185,"end":4327.425,"confidence":0.9848633,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.15603679418563843},{"word":"and","start":4327.425,"end":4327.585,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19750180840492249},{"word":"i'll","start":4327.585,"end":4327.8247,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2131584882736206},{"word":"get","start":4327.8247,"end":4327.985,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.22198565304279327},{"word":"my","start":4327.985,"end":4328.145,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.24290430545806885},{"word":"team","start":4328.145,"end":4328.385,"confidence":0.99902344,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.1978478729724884},{"word":"to","start":4328.385,"end":4328.545,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2734423875808716},{"word":"give","start":4328.545,"end":4328.705,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.22827096283435824},{"word":"you","start":4328.705,"end":4328.945,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25914517045021057},{"word":"a","start":4328.945,"end":4329.105,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24099218845367432},{"word":"buzz","start":4329.105,"end":4329.605,"confidence":1.0,"punctuated_word":"buzz.","sentiment":"neutral","sentiment_score":0.26419001817703247},{"word":"i'll","start":4330.145,"end":4330.3047,"confidence":0.98950195,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15501993894577026},{"word":"send","start":4330.3047,"end":4330.625,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.14726391434669495},{"word":"out","start":4330.625,"end":4330.7847,"confidence":0.97802734,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1543601155281067},{"word":"an","start":4330.7847,"end":4331.04,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.12924551963806152},{"word":"email","start":4331.12,"end":4331.52,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1213732734322548},{"word":"there","start":4331.52,"end":4331.84,"confidence":0.8935547,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1579938381910324},{"word":"just","start":4331.84,"end":4332.16,"confidence":0.9667969,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1897035539150238},{"word":"directing","start":4332.16,"end":4332.56,"confidence":0.99316406,"punctuated_word":"directing","sentiment":"neutral","sentiment_score":0.1797604858875275},{"word":"and","start":4332.56,"end":4332.88,"confidence":0.8540039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15703904628753662},{"word":"showing","start":4332.88,"end":4333.12,"confidence":0.9921875,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.1327752023935318},{"word":"you","start":4333.12,"end":4333.2803,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16636811196804047},{"word":"how","start":4333.2803,"end":4333.52,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.13425475358963013},{"word":"to","start":4333.52,"end":4333.6,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15974432229995728},{"word":"get","start":4333.6,"end":4333.7603,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12959875166416168},{"word":"into","start":4333.7603,"end":4334.08,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.14801914989948273},{"word":"the","start":4334.08,"end":4334.24,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1959841549396515},{"word":"mygov","start":4334.24,"end":4334.74,"confidence":0.77905273,"punctuated_word":"myGov","sentiment":"neutral","sentiment_score":0.13580600917339325},{"word":"to","start":4334.8,"end":4335.3,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20365028083324432},{"word":"pull","start":4335.68,"end":4336.0,"confidence":0.94921875,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.22412443161010745},{"word":"down","start":4336.0,"end":4336.32,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.15045161545276642},{"word":"the","start":4336.32,"end":4336.64,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21789683401584625},{"word":"the","start":4336.64,"end":4336.8,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.167152538895607},{"word":"asset","start":4336.8,"end":4337.3,"confidence":0.7729492,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.07872307300567627},{"word":"information","start":4338.08,"end":4338.58,"confidence":0.99121094,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.10022997856140135},{"word":"for","start":4338.8,"end":4338.96,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12621678411960602},{"word":"centrelink","start":4338.96,"end":4339.46,"confidence":0.98095703,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":0.1383952498435974},{"word":"just","start":4339.52,"end":4339.7603,"confidence":0.9277344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18120969831943512},{"word":"for","start":4339.7603,"end":4339.92,"confidence":0.88964844,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.154100701212883},{"word":"the","start":4339.92,"end":4340.08,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1708884239196777},{"word":"research","start":4340.08,"end":4340.58,"confidence":0.93896484,"punctuated_word":"research.","sentiment":"neutral","sentiment_score":0.1215559020638466},{"word":"and","start":4341.36,"end":4341.52,"confidence":0.97998047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06558072566986084},{"word":"if","start":4341.52,"end":4341.6,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02614700607955456},{"word":"you","start":4341.6,"end":4341.7603,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006351213902235031},{"word":"get","start":4341.7603,"end":4342.16,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.008393947035074234},{"word":"stuck","start":4342.16,"end":4342.48,"confidence":0.98291016,"punctuated_word":"stuck","sentiment":"neutral","sentiment_score":0.001396123319864273},{"word":"or","start":4342.48,"end":4342.64,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.033531371504068375},{"word":"have","start":4342.64,"end":4342.88,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.047219522297382355},{"word":"any","start":4342.88,"end":4343.12,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.0470694787800312},{"word":"problems","start":4343.12,"end":4343.62,"confidence":0.96606445,"punctuated_word":"problems,","sentiment":"neutral","sentiment_score":-0.006557736545801163},{"word":"let","start":4343.7603,"end":4344.0,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.01859300956130028},{"word":"me","start":4344.0,"end":4344.16,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.036882251501083374},{"word":"know","start":4344.16,"end":4344.48,"confidence":1.0,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.01596180722117424},{"word":"okay","start":4344.48,"end":4344.98,"confidence":0.99902344,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.04260615259408951},{"word":"fantastic","start":4347.885,"end":4348.385,"confidence":0.9995117,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5189136266708374},{"word":"i'll","start":4348.8447,"end":4349.085,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4273431897163391},{"word":"let","start":4349.085,"end":4349.3247,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.4345867335796356},{"word":"you","start":4349.3247,"end":4349.485,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3982381224632263},{"word":"both","start":4349.485,"end":4349.8047,"confidence":1.0,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.41126927733421326},{"word":"go","start":4349.8047,"end":4350.045,"confidence":0.98583984,"punctuated_word":"go,","sentiment":"positive","sentiment_score":0.38220828771591187},{"word":"frank","start":4350.045,"end":4350.445,"confidence":0.9951172,"punctuated_word":"Frank.","sentiment":"positive","sentiment_score":0.3989686965942383},{"word":"i","start":4350.445,"end":4350.605,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3434968590736389},{"word":"hope","start":4350.605,"end":4351.005,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.3893125057220459},{"word":"recovery's","start":4351.005,"end":4351.505,"confidence":0.7609863,"punctuated_word":"recovery's","sentiment":"positive","sentiment_score":0.33664390444755554},{"word":"well","start":4351.725,"end":4352.205,"confidence":0.98217773,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.32649725675582886},{"word":"rest","start":4352.205,"end":4352.525,"confidence":0.9980469,"punctuated_word":"Rest","sentiment":"neutral","sentiment_score":0.23885411024093628},{"word":"up","start":4352.525,"end":4353.025,"confidence":0.99853516,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.2501573860645294},{"word":"fantastic","start":4356.2847,"end":4356.7847,"confidence":0.7705078,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.3702396750450134},{"word":"robin","start":4357.66,"end":4357.98,"confidence":0.96118164,"punctuated_word":"Robin,","sentiment":"neutral","sentiment_score":0.17528855800628662},{"word":"i","start":4357.98,"end":4358.14,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17112359404563904},{"word":"hope","start":4358.14,"end":4358.38,"confidence":0.9970703,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.22913365066051483},{"word":"you","start":4358.38,"end":4358.54,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21714605391025543},{"word":"get","start":4358.54,"end":4358.78,"confidence":0.9838867,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13980959355831146},{"word":"some","start":4358.78,"end":4359.02,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.13736429810523987},{"word":"downtime","start":4359.02,"end":4359.52,"confidence":0.96972656,"punctuated_word":"downtime","sentiment":"neutral","sentiment_score":0.15109287202358246},{"word":"too","start":4365.02,"end":4365.34,"confidence":0.9951172,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.03829743713140488},{"word":"oh","start":4365.34,"end":4365.84,"confidence":0.96362305,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.09015887975692748},{"word":"absolutely","start":4366.06,"end":4366.56,"confidence":0.9748535,"punctuated_word":"absolutely.","sentiment":"neutral","sentiment_score":0.05196918919682503},{"word":"no","start":4366.78,"end":4367.18,"confidence":0.9831543,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.043311137706041336},{"word":"all","start":4367.18,"end":4367.42,"confidence":0.90234375,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.12545213103294373},{"word":"good","start":4367.42,"end":4367.92,"confidence":0.99853516,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.0956634357571602},{"word":"and","start":4368.22,"end":4368.46,"confidence":0.65185547,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05391453951597214},{"word":"i","start":4368.46,"end":4368.54,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04992608353495598},{"word":"will","start":4368.54,"end":4368.78,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.05752995237708092},{"word":"attach","start":4368.78,"end":4369.18,"confidence":0.99316406,"punctuated_word":"attach","sentiment":"neutral","sentiment_score":0.0913735181093216},{"word":"the","start":4369.18,"end":4369.42,"confidence":0.5830078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08069010078907013},{"word":"email","start":4369.42,"end":4369.74,"confidence":0.9980469,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.09821251034736632},{"word":"there","start":4369.74,"end":4369.98,"confidence":0.9614258,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08403520286083221},{"word":"our","start":4369.98,"end":4370.14,"confidence":0.73583984,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.08619294315576553},{"word":"financial","start":4370.14,"end":4370.64,"confidence":0.9941406,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.10095643997192384},{"word":"services","start":4370.7,"end":4371.18,"confidence":0.99609375,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.05939249321818352},{"word":"guide","start":4371.18,"end":4371.42,"confidence":0.9729004,"punctuated_word":"guide.","sentiment":"neutral","sentiment_score":0.1003699228167534},{"word":"it","start":4371.42,"end":4371.5,"confidence":0.8647461,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.11013448983430862},{"word":"is","start":4371.5,"end":4371.66,"confidence":0.9716797,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10856597125530244},{"word":"really","start":4371.66,"end":4371.82,"confidence":0.7709961,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.1238466650247574},{"word":"important","start":4371.82,"end":4372.125,"confidence":0.6298828,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.08696778118610382},{"word":"we","start":4372.285,"end":4372.365,"confidence":0.96435547,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1336488574743271},{"word":"provide","start":4372.365,"end":4372.605,"confidence":0.99902344,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.134283185005188},{"word":"that","start":4372.605,"end":4372.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16151943802833557},{"word":"to","start":4372.845,"end":4373.005,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16328129172325134},{"word":"you","start":4373.005,"end":4373.165,"confidence":0.99658203,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.12989255785942078},{"word":"it's","start":4373.165,"end":4373.405,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.11151909828186037},{"word":"a","start":4373.405,"end":4373.905,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10381579399108888},{"word":"a","start":4373.965,"end":4374.045,"confidence":0.9741211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10041562467813492},{"word":"licensee","start":4374.045,"end":4374.545,"confidence":0.8027344,"punctuated_word":"licensee","sentiment":"neutral","sentiment_score":0.07425488531589508},{"word":"document","start":4374.605,"end":4375.085,"confidence":0.97802734,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.08373008668422699},{"word":"it's","start":4375.085,"end":4375.325,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0923997312784195},{"word":"a","start":4375.325,"end":4375.645,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10463379323482512},{"word":"a","start":4375.645,"end":4375.725,"confidence":0.7006836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1119792014360428},{"word":"document","start":4375.725,"end":4376.125,"confidence":0.9921875,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.09423806518316268},{"word":"that","start":4376.125,"end":4376.285,"confidence":0.9667969,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1484968066215515},{"word":"explains","start":4376.285,"end":4376.685,"confidence":0.99902344,"punctuated_word":"explains","sentiment":"neutral","sentiment_score":0.1189827024936676},{"word":"everything","start":4376.685,"end":4376.925,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.14426840841770172},{"word":"about","start":4376.925,"end":4377.165,"confidence":0.9892578,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10967949777841568},{"word":"who","start":4377.165,"end":4377.325,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.08973553031682968},{"word":"we","start":4377.325,"end":4377.485,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09316042065620422},{"word":"are","start":4377.485,"end":4377.725,"confidence":0.99853516,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":0.12074078619480132},{"word":"it","start":4377.725,"end":4377.805,"confidence":0.9921875,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.15742304921150208},{"word":"has","start":4377.805,"end":4378.045,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.1481584906578064},{"word":"all","start":4378.045,"end":4378.205,"confidence":0.9951172,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.14736409485340118},{"word":"my","start":4378.205,"end":4378.445,"confidence":0.9951172,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.14318925142288208},{"word":"licensing","start":4378.445,"end":4378.945,"confidence":0.99902344,"punctuated_word":"licensing","sentiment":"neutral","sentiment_score":0.11227431893348694},{"word":"information","start":4379.005,"end":4379.485,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.11936382949352264},{"word":"in","start":4379.485,"end":4379.565,"confidence":0.92089844,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17600546777248385},{"word":"there","start":4379.565,"end":4379.725,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1764472872018814},{"word":"as","start":4379.725,"end":4379.885,"confidence":0.96875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14762090146541595},{"word":"a","start":4379.885,"end":4380.045,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14468801021575928},{"word":"registered","start":4380.045,"end":4380.525,"confidence":0.99902344,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.1231496036052704},{"word":"adviser","start":4380.525,"end":4381.025,"confidence":0.9667969,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.14405205845832825},{"word":"for","start":4381.085,"end":4381.245,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20281942188739777},{"word":"you","start":4381.245,"end":4381.745,"confidence":0.8317871,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.20611807703971863},{"word":"and","start":4382.045,"end":4382.205,"confidence":0.64697266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22217455506324768},{"word":"it's","start":4382.205,"end":4382.365,"confidence":0.9797363,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.27266737818717957},{"word":"also","start":4382.365,"end":4382.605,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.24280960857868197},{"word":"got","start":4382.605,"end":4382.765,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.3185364007949829},{"word":"a","start":4382.765,"end":4382.845,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.340460866689682},{"word":"lovely","start":4382.845,"end":4383.245,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.3765951991081238},{"word":"picture","start":4383.245,"end":4383.565,"confidence":0.99902344,"punctuated_word":"picture","sentiment":"positive","sentiment_score":0.3778233826160431},{"word":"of","start":4383.565,"end":4383.645,"confidence":0.9892578,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3346538543701172},{"word":"me","start":4383.645,"end":4383.885,"confidence":0.91748047,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.328996479511261},{"word":"in","start":4383.885,"end":4383.965,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35871389508247375},{"word":"there","start":4383.965,"end":4384.205,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4111059904098511},{"word":"as","start":4384.205,"end":4384.285,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4147128462791443},{"word":"well","start":4384.285,"end":4384.71,"confidence":0.8327637,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.27468013763427734},{"word":"you're","start":4384.71,"end":4384.95,"confidence":0.9975586,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.22147583961486816},{"word":"welcome","start":4384.95,"end":4385.19,"confidence":0.9970703,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.303161084651947},{"word":"to","start":4385.19,"end":4385.35,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24410471320152283},{"word":"run","start":4385.35,"end":4385.67,"confidence":0.9970703,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.2129025161266327},{"word":"your","start":4385.67,"end":4385.83,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22112898528575897},{"word":"eyes","start":4385.83,"end":4386.07,"confidence":0.9902344,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.24971099197864532},{"word":"over","start":4386.07,"end":4386.31,"confidence":0.95703125,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2600713074207306},{"word":"that","start":4386.31,"end":4386.55,"confidence":0.9970703,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.26352113485336304},{"word":"if","start":4386.55,"end":4386.71,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1352294236421585},{"word":"you","start":4386.71,"end":4386.87,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09806212782859802},{"word":"do","start":4386.87,"end":4387.03,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11545997858047484},{"word":"have","start":4387.03,"end":4387.19,"confidence":0.984375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09456714987754822},{"word":"any","start":4387.19,"end":4387.43,"confidence":0.9941406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1030949279665947},{"word":"additional","start":4387.43,"end":4387.75,"confidence":0.8222656,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.06209120899438858},{"word":"questions","start":4387.75,"end":4388.15,"confidence":0.99902344,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.07004725188016891},{"word":"let","start":4388.15,"end":4388.39,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.09850230067968369},{"word":"me","start":4388.39,"end":4388.55,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.097575381398201},{"word":"know","start":4388.55,"end":4388.67,"confidence":0.9926758,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.10546548664569856},{"word":"i","start":4388.67,"end":4388.79,"confidence":0.95166016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.039702266454696655},{"word":"know","start":4388.79,"end":4388.95,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.032993756234645844},{"word":"we've","start":4388.95,"end":4389.19,"confidence":0.99609375,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.03255796432495117},{"word":"spoken","start":4389.19,"end":4389.59,"confidence":0.99902344,"punctuated_word":"spoken","sentiment":"neutral","sentiment_score":0.04379773139953613},{"word":"a","start":4389.59,"end":4389.67,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03735169395804405},{"word":"few","start":4389.67,"end":4389.91,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.0551394522190094},{"word":"times","start":4389.91,"end":4390.15,"confidence":0.9980469,"punctuated_word":"times","sentiment":"neutral","sentiment_score":0.061847202479839325},{"word":"in","start":4390.15,"end":4390.31,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.053672924637794495},{"word":"the","start":4390.31,"end":4390.39,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05998346209526062},{"word":"past","start":4390.39,"end":4390.89,"confidence":0.8405762,"punctuated_word":"past,","sentiment":"neutral","sentiment_score":0.0587976910173893},{"word":"but","start":4391.27,"end":4391.43,"confidence":0.95410156,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06757362186908722},{"word":"it's","start":4391.43,"end":4391.59,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1542351245880127},{"word":"always","start":4391.59,"end":4391.83,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2737058997154236},{"word":"good","start":4391.83,"end":4392.07,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2516646683216095},{"word":"to","start":4392.07,"end":4392.23,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2542791962623596},{"word":"update","start":4392.23,"end":4392.63,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.20650342106819153},{"word":"everything","start":4392.63,"end":4393.13,"confidence":0.7817383,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.2511730492115021},{"word":"and","start":4393.19,"end":4393.51,"confidence":0.9802246,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.1606804132461548},{"word":"you","start":4393.51,"end":4393.59,"confidence":0.70214844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12549349665641785},{"word":"know","start":4393.59,"end":4393.91,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.130203977227211},{"word":"you","start":4393.91,"end":4394.15,"confidence":0.91845703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1537112146615982},{"word":"meet","start":4394.15,"end":4394.39,"confidence":0.81396484,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.1314851939678192},{"word":"a","start":4394.39,"end":4394.4697,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13106051087379456},{"word":"lot","start":4394.4697,"end":4394.63,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.13594958186149597},{"word":"of","start":4394.63,"end":4394.71,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12661801278591156},{"word":"people","start":4394.71,"end":4395.03,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.1414523720741272},{"word":"on","start":4395.03,"end":4395.19,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12556277215480804},{"word":"a","start":4395.19,"end":4395.27,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1432875096797943},{"word":"regular","start":4395.27,"end":4395.59,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.1411716789007187},{"word":"basis","start":4395.59,"end":4396.09,"confidence":0.7746582,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":0.17349354922771454},{"word":"so","start":4396.15,"end":4396.55,"confidence":0.94628906,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11293771862983704},{"word":"you","start":4396.55,"end":4396.63,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10090836882591248},{"word":"might","start":4396.63,"end":4396.87,"confidence":0.9716797,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.08543968200683594},{"word":"forget","start":4396.87,"end":4397.11,"confidence":0.92578125,"punctuated_word":"forget","sentiment":"neutral","sentiment_score":0.10768312215805054},{"word":"what","start":4397.11,"end":4397.35,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06649035215377808},{"word":"i","start":4397.35,"end":4397.43,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0831531435251236},{"word":"look","start":4397.43,"end":4397.67,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07882468402385712},{"word":"like","start":4397.67,"end":4397.83,"confidence":0.9770508,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.04691944643855095},{"word":"you","start":4397.83,"end":4397.9897,"confidence":0.9790039,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.016838088631629944},{"word":"talk","start":4397.9897,"end":4398.23,"confidence":0.9140625,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.027623623609542847},{"word":"to","start":4398.23,"end":4398.39,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0017268210649490356},{"word":"me","start":4398.39,"end":4398.4697,"confidence":0.9951172,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03328177332878113},{"word":"on","start":4398.4697,"end":4398.55,"confidence":0.98535156,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.029731526970863342},{"word":"the","start":4398.55,"end":4398.71,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016932249069213867},{"word":"phone","start":4398.71,"end":4398.95,"confidence":0.9951172,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.03893277049064636},{"word":"all","start":4398.95,"end":4399.03,"confidence":0.9951172,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.07510727643966675},{"word":"the","start":4399.03,"end":4399.19,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.026567593216896057},{"word":"time","start":4399.19,"end":4399.35,"confidence":0.93530273,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.026883717626333237},{"word":"but","start":4399.35,"end":4399.85,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.048523686826229095},{"word":"not","start":4404.145,"end":4404.465,"confidence":0.9941406,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.5019508004188538},{"word":"a","start":4404.465,"end":4404.625,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4269428253173828},{"word":"problem","start":4404.625,"end":4404.865,"confidence":1.0,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.4007309079170227},{"word":"at","start":4404.865,"end":4405.105,"confidence":0.9980469,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4631410837173462},{"word":"all","start":4405.105,"end":4405.265,"confidence":0.94628906,"punctuated_word":"all,","sentiment":"positive","sentiment_score":0.5359154343605042},{"word":"guys","start":4405.265,"end":4405.505,"confidence":0.9951172,"punctuated_word":"guys.","sentiment":"positive","sentiment_score":0.6200233697891235},{"word":"thank","start":4405.505,"end":4405.745,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8229930996894836},{"word":"you","start":4405.745,"end":4405.985,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8763160109519958},{"word":"so","start":4405.985,"end":4406.145,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8642513751983643},{"word":"much","start":4406.145,"end":4406.385,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8935960531234741},{"word":"for","start":4406.385,"end":4406.545,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8754521012306213},{"word":"your","start":4406.545,"end":4406.705,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.857695460319519},{"word":"time","start":4406.705,"end":4406.865,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.8619105815887451},{"word":"you","start":4406.865,"end":4407.025,"confidence":1.0,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.8339589834213257},{"word":"both","start":4407.025,"end":4407.265,"confidence":0.99609375,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.77428138256073},{"word":"have","start":4407.265,"end":4407.505,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.8331931233406067},{"word":"an","start":4407.505,"end":4407.745,"confidence":0.99902344,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.8317737579345703},{"word":"amazing","start":4407.745,"end":4408.145,"confidence":1.0,"punctuated_word":"amazing","sentiment":"positive","sentiment_score":0.8580686450004578},{"word":"afternoon","start":4408.145,"end":4408.645,"confidence":0.9951172,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.8670063018798828},{"word":"i'll","start":4408.785,"end":4409.025,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.6503643989562988},{"word":"talk","start":4409.025,"end":4409.185,"confidence":1.0,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.7560247778892517},{"word":"to","start":4409.185,"end":4409.345,"confidence":0.9951172,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7706983089447021},{"word":"you","start":4409.345,"end":4409.505,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5755866765975952},{"word":"very","start":4409.505,"end":4409.825,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5331082940101624},{"word":"soon","start":4409.825,"end":4410.325,"confidence":1.0,"punctuated_word":"soon.","sentiment":"positive","sentiment_score":0.5908080339431763},{"word":"thanks","start":4412.145,"end":4412.545,"confidence":0.99902344,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.6869305968284607},{"word":"see","start":4412.545,"end":4412.705,"confidence":0.9980469,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.5121977925300598},{"word":"you","start":4412.705,"end":4412.865,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6115090847015381},{"word":"later","start":4412.865,"end":4413.265,"confidence":1.0,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.640606164932251},{"word":"bye","start":4413.265,"end":4413.765,"confidence":0.99853516,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.12616319954395294}],"paragraphs":{"transcript":"\nHi, Frank. Robin, can you hear me better now? Hi, Frank. It's Dana from Oakview. Can you hear me better?\n\nYep. Fantastic. Much clearer. Oh, good. Good.\n\nGood. Well, I won't yell into the phone too much. Just tell me to to slow down. Get a bit quieter for you. All good.\n\nJust before we jump into the call again, I just need to do a quick security check there with you. I have emailed some documents to you, but we can kinda go through those shortly. Can I get you both just to confirm your date of birth for me and the address of where you should be the address I should have on file? Yep. Beautiful.\n\nThank you so much for that. And, Frank, I'll describe your date of birth there for me. Legend. Thank you so much for that. So just to give you guys a bit of an update on your super now I have sent you the annual review documents to you.\n\nThey have been sent through from a different system for what we used to use. We used to use DocuSign, which you could kinda open and review the documents. With OdooSign, you can do the exact same thing. It's just they added as attachments on the front of the email. So I have been finding some people struggle a little bit with opening up the attachments.\n\nSo if you like, what I can do is I can give you both a bit of a run through on your super balanced performance, and then you're welcome to review those documents a bit later. Does that sound okay at all? Yeah. That's okay. Don't wanna make it too difficult.\n\nYou guys probably had a big week as well. All good. So, Robin, I'll give you a bit of an update first. Now having a look at things, you did do a bit of a withdrawal earlier this year. Having a look at things that your balance last year when we sort of caught up to do your annual review, which was late last year there, the balance was about a 150,020.\n\nYou did do a bit of a withdrawal earlier this year as well, so that does affect the balance. But your balance at the moment is about $135,008.66, and your performance has not done too bad. So whilst the super, well, while the markets as a whole have been a bit volatile going up and down a lot with what's been happening between The US and the Iran, with that war out there, you've actually come out with a positive 6.26% return at the end of the year, which is great. And that's, yeah, giving you total earnings in your portfolio of about $10,992. So you have made some money in your portfolios after the year, which is good to see.\n\nYeah. 135,000. Yep. Sorry. I've got it here.\n\nMy apologies. My computer just had a little bit of a moment. 135,866 and 81¢. Yeah. Beautiful.\n\nSo it is really good to see. Now I have also had a bit of a look at your portfolio underlying. I know last year when we spoke, we were looking at maybe making some alterations to, you know, see where we were tracking. I also wanted to sort of touch base today to have a bit of a chat about making some changes to both of your portfolios as well because I have, after doing some research, noted some of the investments are underperforming a little bit. So we wanna make sure that whilst you're not taking too much risk in the market, that, you know, your super is performing at its best as well.\n\nOkay? Frank, to give you a bit of an update there, when we sort of caught up last year, your balance then was $89,841.09. Speaking now, your balance is 89,370 and 82¢. So it has just gone down a little bit there, and that is because of the ups and downs the market is seeing. It's mostly just with the market ups and downs.\n\nBut when we sort of look at performance wise, you still have had a positive return inside your portfolio. So you still come out with a positive 2% return net of fees, and it does mean your portfolio has made about $3,951 there. It's just that those market fluctuations have affected that return. And at the moment, the balance is down slightly because of the ongoing the ongoing ups and downs the market is seeing. But, realistically, I mean, if I look back to this time last year, your balance then was 86,000.\n\nSo it is still steadily increasing. It's just from when we spoke in August to now, there's a slight drop in in your balance. That's all. And it's only of a couple of $100 there. So I do expect to come back and recover a little bit moving forward.\n\nOkay. All good. The other thing I sort of wanted to talk to you both about, as I kinda mentioned before, I've looked at both of your super funds. You both do have and have been recommended in the past the Banda Long Australian Equities investment. When you are looking at the internal rate of return report, that's probably one of the investments that is underperforming in both of your supers at the moment.\n\nNow when we kind of did when you did get the last advice document a couple of years back, and this was recommended in there, the main objective to having this investment in your super is that the investment manager within that spend along Australian Equities Fund, they are essentially trying to pick the market, time the market, and buy and sell investments that, you know, basically time when they can get into the market and buy investments that are low that they see additional growth for. And this investment manager is supposed to be trying to trade against the market and and try to make sure that the fund is outperforming the market to try to get a much greater return. When I sort of had a look at how they're performing and what's been going on, over the last year, Banda Long has not been able to do that, and I don't know if you sort of had a look at that investment over the past few years. But from COVID onwards, they have had a bit of up and downs. They've had some years which have been really great and other years which have struggled heavily.\n\nWith the most recent struggles they've had, I've had a bit of a look, and I don't believe they're a good investment any longer. I wanted to sort of maybe look at taking that out there for you, replacing it with something else. I've actually been having a look, and I wanted to get both of your thoughts on this. So because that investment is more of an actively managed investment in your fund, they normally hold between 15 to 25 different investments. If you wanted to, I have a couple of options which might actually be a bit cheaper in investment fees.\n\nDoes give you greater diversification. Instead of having, you know, 15 or 20 investors in the fund, have about 200. So it gives you greater diversification and might be a bit cheaper in administration fees and investment fees. Would you like me to look at a cheaper investment for you, or do you have any questions about that? Yeah.\n\nYeah. Yep. Did you want me to sort of try and lower the cost of maybe investment fees for you so that you're not paying as much in investment fees for investment? Yeah. Okay.\n\nBeautiful. I've had a bit of a look. There's a few different options that work really well. One of the things that I have sort of been finding that a lot of my older clients are looking to do is, a, to save a little bit of money and fees, which is important, but also have investments that have been working a little bit more. But also with what's been happening in the markets globally at the moment, maybe creating greater diversification and trying to lower risk a little bit more.\n\nIs that something you're wanting me to sort of look at and focus on? Yeah. Yep. Absolutely. This level is beautiful.\n\nI have a couple of options for investments to replace Bannalong. I just wanted to sort of note that this has been underperforming a little bit, so we it's time to remove that for you and see if we can update both of your portfolios. You both do have quite different portfolios there. And I just wanted to sort of gauge where we're at. Now we did a risk profile when we spoke in August last year.\n\nAnd having a look at things, the current risk profiles, frankly, you're more in an older defensive portfolio. So that's essentially meant to be a little bit more lower risk, more income producing. We do expect lower returns from these portfolios, but it's more about giving your super longevity, holding on to your capital as long as possible. Do you when we kinda did that risk profile for you both, you both came out as more of a balanced investor. So that essentially sees about 60% of your super invested in areas of growth, like international shares, Australian shares, gold and silver, and also, you know, property, and then the other sort of 40% in lower risk defensive investments like cash, bonds, and fixed interest.\n\nThis investment normally suits someone who has about three years before wanting to access their super whilst, Frank, I know you're already retired. Robin, do you feel like you're wanting to sort of stop working in the next couple of years, or what's your aim for? How how much longer you wanna work? Okay. No.\n\nThat's alright. So you're happy to continue that for a bit longer. Yeah. Yeah. Because you've only just turned 65.\n\nYeah. No. Excellent. So looking at when you're able to access age pension and then kind of give up work completely and retire, not a problem at all. And, Frank, you're getting the age pension at the moment.\n\nYou're still reporting every fortnight based on Robin's income. Is that right? Yeah. Yeah. That's okay.\n\nYou're not wanting to sort of drop hours to maximize the age pension. You're sort of happy with the way it's working at the moment? Okay. Yep. That's okay.\n\nAnd Frank, do you wanna start do you need to start maybe accessing a little bit of money out of your super, or are you wanting to hold off on that for a bit longer? Yep. Yeah. Yeah. That's okay.\n\nNot a problem. I just access whenever you do need. Do you think you might need a little, a withdrawal in the next couple of months at all that I might be able to factor into the advice for you? No. It does.\n\nIt does. I don't know, Frank. Do you wanna go on holidays? You did. You did.\n\nAnd that was I remember that's the reason you took the funds out for that last withdrawal. And how was that? Yeah. They go fast. Yeah.\n\nYeah. No. Not a problem. Not a problem at all. So, essentially, with this advice piece, I'll just sort of look at maybe restructuring the investments, look at the cost, any tax consequences your super needs to factor in, keeping you both in the super, you know, accumulation kind of area at the moment, not withdrawing any additional funds currently.\n\nAnd just sort of looking at longevity wise, what this might mean. Did you want me to sort of look at it in the next fifteen months and maybe factor in, you know, the expected age pension entitlement for you both, Robin, when you do get to that age to see what that might look like? Yeah. That's okay. Not a problem.\n\nOkay. No. That's yeah. No. That's okay.\n\nSo having a look at I mean, when we sort of looked at that last time and we in August, we looked at the balanced portfolio, which sorta has that sixty forty split. Do you want to maybe have more defensive investments rather than that 60% growth, or would you rather see a little bit more growth? What's yep. I could I could try to make it so we see about a fifty fifty split if you want. I can look to create a portfolio that sees 50% in those low risk defensive investments like cash, bonds, and fixed interest, which is where we get income from.\n\nThey do get a lower rate of return, but they're there for security and income producing. They pay out, you know, regular dividends and income, which gets reinvested back into your super. And then I could look to maybe keep 50% in that growth area with those Australian and international equities and gold and silver and things like that. Did you want me to kind of restructure it to give you more of a balanced approach fifty fifty? Yep.\n\nYep. I mean, looking yeah. I mean, looking at where you guys are at the moment, I'm just sort of seeing if I can find out what your last one was. Because I know Rob and yours is more of an older kind of defensive portfolio. And from what I can see here, Frank, you're in more of a balanced growth environment from where we were.\n\nSo that's kind of that seventy thirty, split 70% in those, you know, riskier investments and 30% in those low risk investors. So bringing things down for yourself would absolutely be preferable. I'm just sorry. Gonna go into the file and have a quick look at your last advice document to sort of see what we were looking at for yourself, Robin, to see how this was put together. Sorry.\n\nWon't be a second. Gotta love computers when they wanna work. It's loading and thinking about it. Oh, isn't it great? Yeah.\n\nThat's exactly right. Okay. So okay. So with this sort of defensive portfolio that we have here for you there, Robin, the way it was sort of put together from what I can see here and I'll go back, obviously, and have a really good review of things again as I go back through and redo the research for you there. But when we look at those higher risk kind of growth investments like Australian shares, international shares, a bit of property, and also some sort of, you know, gold and silver there, the way this was sort of structured was that you would see about 43.6%.\n\nSo about 40 odd percent in those sorts of investments, and then the more defensive investments and lower risk, you are roughly about the same. So you're kind of in that fifty fifty split there. The idea is it's about getting some good growth and making your super work a bit harder in some areas, but then also trying to get, you know, lower risk and keep your super keep your capital there without seeing big market fluctuations, so big ups and downs. Did you want me to sort of keep it that fifty fifty split, making sure that you're not, you know, taking on too much risk? I can on yeah.\n\nYeah. It looks like you've kind of meant to have that sort of fifty fifty split in here anyway. Sort of 48 between 43, 45, then 48. It looks like you are meant to sort of have that fifty fifty split in these older portfolios with them being in that kind of defensive environment. With the ups and downs, the market is seeing probably a really good way to look at how you think about risk and how you should be invested is if you think about risk as a number between one and five.\n\nIf you say five is most aggressive portfolio, a 100% invested in those high risk investments like shares, and one is being all fully in cash and not getting much of a return. Where do you think each of you might fit in between that? Do you think it'd be more on the one, two, three, or right up near five? Where do you think you'd feel? The about a three?\n\nYep. Okay. How about yourself there, Frank? Where do you think you might fit? About a three?\n\nYep. Beautiful. And, Frank, do you think you'll be wanting to start trying to maybe access some of your super before Robin does turn 67, or do you think you're gonna try and hold off a bit longer and see, you know, what the both of you being on age pension looks like? Try and hold off a bit longer, sort of maybe living on the age pension fully and then just drawing down income as you need it. Is that sort of how you see your super?\n\nIs that right? Yeah. Yep. That's okay. Yeah.\n\nYeah. When you do go on to age pension there, Robin, how much do you both need realistically to live on on, say, a weekly or fortnightly basis to for living expenses? How much do you both need to earn together? Okay. Yep.\n\nOkay. Not quite. No. Do you think you'll need to when you do retire fully need to still earn $2,000 on a fortnightly basis together? Or not sure?\n\nDid you want me to factor that in as the income that you do need to survive on? Yeah. Yeah. Yeah. Do you think you might need a little bit more on a fortnightly basis to sort of help cover those things, or are you fairly comfortable that you should be right on $2,000 a fortnight to say a thousand dollars a week?\n\nNot sure? That's okay. Because if you like, what I could do with this advice piece for you, we'll look at, you know, you making sure we retain your supers, but maybe look at the investments within that to make sure that you're in a certain risk profile that's comfortable for you, that the returns, you know, are working. But then I can also factor in based on the current because, obviously, age pension does increase in Ulta and is indexed every year twice a year. So we are working on the current scenario, but I could then obviously project out to when you're 67, look at how much you might be entitled to age pension together.\n\nIt should basically be on full age pension given your current assets there. But then look at what you might need to draw down to supplement that from super and how long that might last you. Did you want me to factor that into the advice and maybe do it a little bit bigger for you both? Yeah. That's okay.\n\nJust give you a bit of an idea of where things are tracking, what it might look like. And then as we get closer and closer to that point, we can always update the advice. And if we, you know, if age pension increases a little bit more, it means you could draw a little bit less out of super to sort of survive. And that can give you a little bit more longevity as well. Does that make sense?\n\nDoes that sound okay? Yep. Beautiful. Lovely. Now another really good question to kinda go through when we are looking at the portfolios, one of the biggest ones I do like to think about and ask is if you saw the market fall.\n\nSo you've obviously heard on the news what's been happening with the markets over the past, you know, couple of months there with The US and the Iran war and everything else. If you saw your super balances fall by 20% because of, say, big market changes. How do you think that is making you feel? Are you feeling optimistic about the investment opportunity? Are you feeling cautious, concerned, or extremely anxious?\n\nNever have anything good to say. Oh, no. Look. In all honesty, I don't listen to the news a great deal either. I read what comes out, but I don't just watch the news every night at 06:00 because it is just awful.\n\nIt's horrible. It's not fun to you know, nothing ever good happens. But I kinda just read the news that comes out from, you know, the economists and the areas that we look at at work. So I can keep up to date in other ways. Alright.\n\nAll good. So, realistically, do you think you'd be more towards that sort of anxious concern sort of area? Am I right on the right track there? No. No.\n\nOf course. Definitely. Yeah. I'll tick off the anxious button there. That would make you feel pretty anxious, you reckon?\n\nYeah. That's okay. Absolutely. And if it did happen to fall by 20%, obviously, don't want it to happen that way. But if it did, do you think you'd be calling us funny at what's going on?\n\nAre you wanting to maybe move money into cash? How do you think you might react in those circumstance? Yep. Yep. Be a bit worried going, hey.\n\nWhat happened to my stupid? How do I fix this? What's going on? No. Excellent.\n\nThat's a really good answer. Beautiful. And when we think about average returns of what you're sort of hoping to try and obtain from your super over the longer term, are you trying to aim for the highest returns you can knowing that you need to take a bit more risk to get better returns, or do you consider yourself happy with, say, a two, four, or a 6% return on a regular bay on a yearly basis to keep your super working as long as possible? Yep. Yep.\n\nNo. That's okay. That's not a problem at all. So the way you've both sort of scored and you have scored very much the same area, it is a bit different to where you scored in August, and it's a good thing we went through this again because you've scored as more of a conservative defensive investor, which is when we look at those those risky assets, this sort of portfolio would normally see about 25 to 35% in those growth assets. They're very much a a change, reducing those growth assets down.\n\nThat's Australian shares, international shares, property, and, you know, precious metals like gold and silver. And then the defensive lower risk investments like cash, bonds, and fixed interest, you generally would see about 65 to 75. So it's very much a a change from where you would be when you're wanting to take on a bit more risk there. This sort of portfolio normally suits someone who has about three years that are wanting to access a super now or within the next sort of three years. The likelihood of a negative return is about one in seven years, so very much low risk.\n\nAnd the expected returns we'd be hoping for on a regular base, on a yearly basis, is around about sort of, you know, two to 5%. Do you feel like that is sort of comfortable for yourself? Do you feel like you wanna bring things down to that level? You're right. So at the moment, you're kind of in that fifty fifty sort of split with those growth and defensive investments.\n\nYou can if you like. Did you want me to do that sort of fifty fifty split? I can look at the investments, look at how to make them, show you what that looks like, and then we can always review that and alter it again in a few months or a year's time if you decide you're not comfortable with that level. It's the more you wanna keep. Yeah.\n\nYeah. It's kind of that juggling act. You don't wanna take on too much risk, but you still want your super to keep growing a little bit too. You wanna make it last as long as it possibly can. Absolutely.\n\nWell, I'll tell you what I would probably look at doing because, realistically, you don't wanna access the money now unless you realistically have to. At the moment, given the current age pension, you would have to probably start drawing down some out of super, but we can draw maybe a smaller amount out of each of your super accounts. That way, you get a bit more longevity out of both of them. So I can, just if you want, look at doing a portfolio that gives you that fifty fifty split that gives you 50% growth investment, 50% defensive. So you are very much lowering the risk level and keeping, you know, some growth, some low risk investments there.\n\nLook at rejigging the portfolio to see what that looks like, how that affects you. I can show you the advice documents that shows you what we're recommending you invest in, the risk level, the cost of doing so, and the future projections on how this affects your super long term. And then look at how we would draw down how long your super is expected to last given age pension circumstances when you hit 67, Robin. Does that sound okay? Yep.\n\nSure. With portfolio wise? Yeah. It's very much not so much a stock standard. It's very much a very an individual choice, But a lot of people going into sort of that retirement aspect, I do have some people who are comfortable in that balance sort of fifty fifty area.\n\nThere's nothing wrong with that in any way, shape, or form. It generally still can suit, you know, someone who's got about three years to accessing a super. You can go into retirement in that sort of area. There's nothing wrong with it. If we look at more of a balanced portfolio, which is more of a sixty thirty split, you'd be expecting or averaging returns of hopefully about five to 7% on a yearly basis.\n\nAnd you still have a negative return, the likelihood of a negative return, one in every seven years. So it is still lowering the risk level, still expecting good return, but just not taking a huge amount of risk at the same time. Does that make sense? Yeah. No.\n\nThe fifty fifty is definitely less. The 70 30 is taking more risk. That's 70% growth investment, 30% defensive. The other first one we went through, which is the defensive portfolio, which is sort of 30% growth, 70% defensive, that one is the lowest kind of risk that you do get. But you're also taking a less returns in that kind of area.\n\nYeah. It's kind of in between the two lower profiles there. And I can look at building a portfolio for you that is going to give you that fifty fifty split. We can incorporate maybe some commodities like gold and silver, which work both ways for you. So most people like gold.\n\nGold's been up, you know, really well over the past couple of years. We can also yeah. I've been up very, very, very high. And it works it's a growth investment, so it does get really good growth, but it also can be defensive in nature. Because when you kinda think back to the GFC or COVID, people move money into gold as a bit of a safe haven.\n\nSo I can include some gold, maybe some silver, and look at adding some commodities in there for you as well to see if that kinda helps. Yeah. And if we kind of look at this fifty fifty split to start with, if you decide in six months' time that it's not working, we can go back to the drawing board, and we can change the portfolio and reduce the risk even more. Does that sound comfortable for you both, or do you have further questions? Or that sounds okay.\n\nYeah. It's a little bit difficult because not everyone knows what they're comfortable with, and sometimes it's a matter of just, you know, going, yep. Let's give this a try. If it doesn't if we're not comfortable with that, then we just alter and rejig it again for you. Yeah.\n\nThat yeah. That's okay. Well, what I can do is I'll go back and I'll put together a portfolio for you with that kind of $50.50 split. I will show you the advice document. You'll see the investment, how much should be invested, and what this looks like in front of you in the advice document.\n\nSo it'll be a little bit easier just to be able to look at that, you know, and go through the advice and read that. Does that sound okay? Yeah. That's okay. Beautiful.\n\nSo I'll go back and do a bit more research on your portfolios, have a look at where we are, and we'll look at doing something with that 50% growth, 50% defensive. Oh, your super funds aren't doing too bad, but I will just go back and review those for you. And then we're looking forward to there, Robin, when you turn 67 based on the current pension rates because I can't predict what they're gonna increase to then, and also look at how much super you may need to draw out. I can look at both of your supers and work out how we draw that money out and how long that might last and show you what that looks like. Are you both comfortable with that, or have I missed anything?\n\nIs there anything else you wanted me to sort of incorporate for you? That sounds okay? Beautiful. Lovely. Now, Robin, I can also see here you have made some extra contributions to Super, which is great.\n\nI know you spoke to my colleague. That's okay. A thousand dollars is still a thousand dollars. That's quite a lot of money when you think about it. It's like a week's worth of income.\n\nYeah. So with that at the moment, because it has been made put into the super fund as a nonconcessional contribution, that essentially means that, like, when your employer contributions go in their concessional, so taxes taken out of that contribution when it hits the fund. With the money you've been putting in, which I believe is about $20 per week. Is that right? Yeah.\n\nSo that money goes in there from your after tax income, which means a 100% of that money is invested into the market. You can choose to claim it as a tax deduction. So I know Samantha spoke to you about claiming a notice of intent. So if you wanted to, with that thousand dollars that you have put in there, and you've probably got another two contributions to go in, so it'll be a little bit more than that by the end of the financial year. But what we can do is after the July 1, is we can claim what's called a notice of intent to claim against that money.\n\nThat essentially tells the Superfund that you're gonna claim that thousand dollars as a tax deduction, and they would take tax out of that money. And then once that tax is being taken out, that thousand dollars, you can tell your accountant you've contributed to super, and they can add that $1,000 to your tax return to give you a tax deduction. Does that make sense? It gen when you're working, it generally can be. What's your do you know roughly what your income is for this year at the moment?\n\nOkay. Do you have do you know what your gross is before that 500? Okay. So we'll just pop the $30 on there. Yeah.\n\nThat's okay. That sounds about right. So it says $5.70 gross, and that's on a weekly basis. Yeah. So just to yeah.\n\nThat's that's okay. Let's have a look. So $5.70 on a weekly basis. Roughly gives you, say, a gross income, give or take, essentially, of about 29,640. So then you're making a voluntary contribution of $20 per week, which works out to be over fifty two weeks, a thousand and $40.\n\nSo then if you claimed that as a as a tax deduction, it essentially and this is not including any other options. This is just kinda general looking at the numbers at the moment. But, essentially, that 1,040, if you added that as a tax deduction and claim and notice of intent, can essentially reduce your taxable income down. Where is sorry. My computer's frozen slightly because it takes into account tax changes.\n\nSix six seven. Yeah. So that would save you roughly about you get basically a whole offset. So you could reduce your taxable income by about that 1,040. Yeah.\n\nYeah. Well, at the moment, if I'm looking at the tax bracket you're in, so you are in the lowest tax bracket. So you're in that sort of 16% tax bracket there. If I'm reapplying that, it keeps you in the same tax bracket. It just gives you a little bit more of a tax deduction, which might give you a little bit more of a refund.\n\nThis, you know, help get a little bit more tax back at the end of the year, which is ultimately what you kind of want, a bit more tax back. The money when you claim that notice of intent inside super, it means the super fund does take 15% tax out of those that money. But with $1,040, it would be about a $156 in tax. So you would still have quite a lot of that money invested. You'd still have $884 roughly invested in the super fund working harder for you, and then you can claim that 1,040 as a tax deduction and hopefully get a bit more of a tax return.\n\nDoes that sound okay? Yeah. So that's essentially the government co contribution. And because your income is under the threshold there, if you do make the contribution, it absolutely can count. I'm just not sure if it's if we change the contribution if it does.\n\nBut making that contribution, the thousand dollars there, does make you eligible for the go the government sorry, government co contribution. And that's $500 that gets added to your suit. They don't match it anymore. They just do a maximum of $500. I just need to check if because I'm not sure if I change if we claim a notice of intent, if they still get the the tax deduction.\n\nSo give me one second. I'm just gonna have a quick look on that one for you. Yeah. So if you do claim the notice of intent, it changes the contribution amount, and they don't pay the government co contributions. So, yeah, it more does well, if you don't claim that notice of intent, obviously, with the government co contribution, that's an extra $500 that goes into your super, but it also does mean that there's no tax taken out of that money.\n\nSo out of the 1,040, that whole 1,040 remains invested for you. So it's completely up to you. But, realistically, I mean, the tax while it reduces your taxable income, you're in the lowest tax bracket, so it's not a huge amount. You don't get the whole 1,000. But I say, you know, it kind of goes on the amount of tax paid.\n\nBut, theoretically, keeping that money non concessional in super and having it all invested and then getting that government co contribution payment up to $500, that essentially does mean you'd have more money in your super working harder for you at the end of the day and does tend does sort of show from what I'm looking at to be of greater benefit to you rather than claiming that amount back. Does that make sense? Yeah. That's absolutely fine. And you're happy to continue making that $20 every week as well up until the point you stop working?\n\nYes. Beautiful. Yeah. Perfect. We'll make sure we have that in the advice for you as well and factor in that government co contribution for you because long term, that does mean it's a bit more money in your super working harder for you at the end of the day, which is important.\n\nYeah. No. That's absolutely fine. Did you have more questions or want me to break any of that down a bit more for you at all? Yeah.\n\nAbsolutely. Yeah. Just having a look for you. That's okay. Is that the documents that you received today?\n\nOh, it might have had the wrong document attached there. Let me just double check. No. That's okay. It might have attached that document, and we didn't actually want it to be there.\n\nSo what I'll do, I'll just have a look at what it what came through. Oh, is it maybe just bringing up the last document that you signed? Because I can see for yours, Robin, is the ongoing fee can sent arrangement. That's the one that we sent through just then. And then yeah.\n\nYeah. And that was the one that was from a while ago. That was the one in February, wasn't it? Yeah. Yes.\n\nYep. Right. No. That's okay. So I can see the fee consent form here is for yourself.\n\nWe sent through two of them. There should be one for Frank as well, but I can only see one coming up. So what I'll do is I'll just go back, and I'll make sure I can see both of them coming through. Not sure why it's not both coming through. I I sort of do miss DocuSign a little bit.\n\nThis is fun, this system, but it's just not not the same. I do miss DocuSign a little bit. It was easier. Not gonna lie. Oh, good.\n\nWhat I might do is I'll just go back and make sure that both of those fee consent forms have come through. I might have to resend them for you, but I'll just make sure the system is sending those correctly because it should be 1¢ to each of you. So if you don't see them by the end of the day, can you just let me know? Is that okay? Yeah.\n\nYep. Yep. No. No. That's fine.\n\nIt should be if it's one of the attachments, it might have just attached that document because it was one that was in the file when they were attached, and someone might have dragged it across, and that's absolutely okay. The only document that it should ask you to sign is the ongoing service agreement. There should be one with each of your names there because we have you both as clients. Our normal fee is 1.65% per annum, but we've actually reduced yours both, and it'll continue that way to 1.1%. So you're paying a lower fee because you're both on board there.\n\nAnd it should just it does say having a look here, it's 1.1% per annum, and then we deduct our ongoing service fee in smaller monthly increments out of your super for our services, and it fluctuates and goes up and down with the market. So if the the so market was to take a little bit of a further dip, our fee does continue to go down with it, and then it does go up a little bit as the market increases as well. So our fee goes up and down with your super. Does that make sense? Yeah.\n\nBeautiful. Yep. Yeah. Oh, very that's a bit bizarre. Yeah.\n\nI'll find out if anything else has come through, but, yeah, it's just the ongoing service agreement there. I can see one's come through, but I can't see where Frank's has come through. So I will go back and double I will go through I can double check for you, Frank, if that does come through. If it doesn't, I'll make sure I resend it for you. Okay.\n\nYeah. No. That's okay. That's not a problem. Normally, when I open it, I can see both of them here, but it's only showing me one.\n\nI'm not really sure why. So that's honestly okay. I'll go back and have a bit of a look at that for you. Not an issue at all. If there is anything else, I'll make sure we sort of give you a call and let you know.\n\nJust to sort of reiterate, so super wise, you know, not accessing anything unless you need to until, Robin, you turn age 67. I'll look at the Centrelink side of things for you and look at the portfolios and see what we can come up with keeping that kind of 50% split either to the, you know, to the risk factor for you. So 50% growth investment, 50% defensive investment. Is there anything else goals wise that either of you might think you've got or want me to sort of look at for you in the next couple of years, or is that kind of the thing where your sleep is going? That's about all.\n\nThat's okay. Just to sort of you're right. Sorry. Oh, thank you. Thank you so much, Robin.\n\nI'll go back and check that for you. Sorry about that. I love these new computer systems. I'll just double check all of your assets there as well. So at the moment, we did have your main primary residence last year.\n\nAsset value we had noted was about 500,000. Do you think that might have increased a bit from where we were last year? Do you think it might be valued more to yourself at the moment, or what's your thoughts on that value? Crazy, ain't it? Yeah.\n\nYeah. Yeah. Yep. Yep. No.\n\nThat's okay. Not a problem. So I'm having I'm just having a quick look online to see what the estimated value of the property is at the moment to sort of see what is out there and what they're saying. So The same, realistically, estimated property value, mid range about 400,000, high range about $4.55. Did you feel like that's very average, or did you wanna keep it to where it was?\n\nOr yep. Yep. Yep. That's absolutely fine. Not a problem at all.\n\nSo $5.70. Beautiful. And, Robin, your income, I'm just sort of estimating your take down gross income per week is about 570. You're fairly comfortable with that? Yep.\n\nYep. Okay. Do you yeah, no worries. Alright. Lovely.\n\nAnd, Frank, how much are you averaging from Centrelink on a fortnightly basis at the moment for the age pension? Per fortnight? Yep. Sorry. Did you say $7.50 or $7.60 just before as well?\n\nSorry. Yep. Oh, it's not. Okay. 690.\n\nPerfect. Robin, do you know what your hourly rate is at all? Yep. 30 $1.70 per hour. Beautiful.\n\nBecause I can sort of average that out and work it out on the thirty two hours and average that over the course of the year for you to kinda give me an estimate on the income if you like. That's absolutely fine. Beautiful. And you sort of need income of about $3,000 per fortnight or $1,000 per week to survive moving forward. Is that fairly right?\n\nDid you want me to maybe factor in a bit of a buffer there, or are you happy with that for the moment? It really doesn't. No. When you think about groceries, I know I've I've got two kids moved out of home now and only one child at home. I'm still spending about $2.50 to $300 a week on groceries.\n\nIt's everything costs so much. Oh, absolutely. I can I can keep it at 2,000 per week at the moment? And if you find that you wanna increase that, that's absolutely fine. This kinda gives us a bit of a working point for you moving forward.\n\nI mean, we're looking at the advice now, but also, you know, in the next fifteen months, knowing that in that time, things can change and we may need to update it again. But this is giving you a bit of an idea of where we're tracking and what it sort of looks like down the track for you. Okay? Excellent. Other assets I have here, I've got your Nissan Qashqai.\n\nRough value, if you had to sell that, got down here about 20,000. If you did have to sell that, what do you think what value wise would it be to you? Yeah. That's okay. We had 20,000 last year.\n\nDid you wanna keep it at 20? Yeah. Absolutely. And then we've got the Nissan Navara, which is a 2012 model. And last year, we said roughly about 15,000 value.\n\nWould you keep that about the same, do you think? No? Drop it a little bit. 12. Yeah.\n\nWow. I'll pop a bit pop 5 on there for you. All good. And do you happen to know if you're able to, are you able to access, like, an income or an asset statement from Centrelink that sort of shows what they have your assets noted as? Do you know how to get that from your myGov account, or do you have one handy at all?\n\nNo. That's okay. Do you know roughly what they have as your assets noted on Centrelink? Do you have do you know what they have or, like, your cars and savings accounts, what they have noted? It would yeah.\n\nIt'd be on it's probably more on Frank's myGov because he's the one that's actually applied for it. Do you know how to log in to your myGov? You log in pretty you should would, wouldn't you? Because you report yeah. If I send an email afterwards just with a little bit of a direction on how to get that statement, would you be able to grab one of those statements and forward it through to me just so I can use that for the research for you for the plan?\n\nYeah. If it's too much, let me know. Is it easier if I send you an email, or is it easier if I try to direct you through now? What would be better for both of you guys? Yes.\n\nYeah. No. No. No. No.\n\nThat's absolutely fine. I'll send you an email with a breakdown of what to do. If you find it difficult or struggle, let me know. We can always look at doing another option. I just wanted to make sure that when we are factoring in Centrelink that we understand what they have for assets and income and liabilities.\n\nThat way, I can work on the same figures for you. Okay? Yep. Perfect. Beautiful.\n\nI have done here contents, roughly about 25,000 value of contents. Would you increase that? Got any big collections recently that you wanna maybe note down? Or No. Yep.\n\nThat's okay. All good. Other than that, you mentioned that you're putting about $800 away on a fortnightly basis to cover those bills and things. Are you managing to put anything into a bit of a savings account, or is everything that you're earning going out towards bills and expenses and and rates and things like that insurances? Okay.\n\nYep. Okay. Okay. Yeah. With the funeral, realistically, with Centrelink, that because that's just the bank account that you've opened that you've called funeral account.\n\nIs that right? So, realistically, if they find that they will consider that an I'm sorry, an asset and assess under both the assets and the incomes test. Are you putting that money away purely for, say, both of your funerals or one of you, or what's the plan with that? Is it for anyone's funeral or more just focused around the two of you? Yeah.\n\nBecause there are investment options or bonds that I have access to, which are funeral bonds. And the idea is you could start with a certain amount of money if you had I think, you know, we just start with about a thousand dollars. And you can be putting some regular amounts in on a regular basis. And these are the funeral bonds. If one of we could set two up if you wanted to.\n\nIt's completely up to you. You can have a think about it. But, essentially, you set up this funeral bond. The money is invested, so it is growing, not just getting a cash rate. But they are fully non assessable by Centrelink.\n\nSo even if they find out about these accounts, they won't add them to your income and assets test. They are sheltered for Centrelink purposes, and we would have to set up two of them. But, essentially, if you were to then pass away, the money is withdrawn out to to the executor within twenty four hours of having the the death certificate provided. Did you wanna look at something like that, or are you happy with the way it is at the moment and just wanna think about it? What do you think?\n\nWell, they are sheltered for centrelink purposes. At the moment, the sheltering amount is about $1,516,000 for centrelink purposes. But realistically, you can open up these accounts with as little as normally about $1,000. You can be putting regular amounts in, say, 20 or $30 a month or, you know, a lump sum once a year into the bond. It just keeps being invested and grows.\n\nIt is invested in an investment option like we might pick, as an example, like a a Vanguard fund, which might give you diversification, and it could get, like, you know, a two, three, or a 5% return on a yearly basis and be growing over time. But they are fully sheltered, the Centrelink. Centrelink don't don't look at the bonds. The amount that you put in, as long as it's under the the asset requirements, so under the 15 or $16,000, they don't count that, and gross from those funds is not assessed by Centrelink. So it's really really a good way to shelter money.\n\nIt can grow towards, you know, the goal of being able to pull that up for a funeral down the track. The downside of these is that you can't access the funds to anything else. It has to only be pulled out for the purpose of a funeral. If you pull out, you have $20. And if you pull all of that out and you only use $5 on a funeral, then that's But they don't let you access those bonds in advance to anything else, whereas the advantage to having that in the bank account like you have at the moment is that if something happens, you can use the funds elsewhere if you want to.\n\nBut we do have access to these other types of investments that we can certainly help you with. You don't have to do it now. You can just, you know, talk about it, mull on it, think about it if you like. It's absolutely fine. It's just another sort of option to look at as well.\n\nAbsolutely. Absolutely. And that is the downside to a funeral bond is that you can't take it out if you do need the money. So say something happened and, know, you had to rush Frank to the doctors and needed the money quickly for a specialist appointment or something. You know, you do have that money there as a bit of a backup as a buffer for you.\n\nWhereas a funeral bond, you can't pull that out. It has to stay there no matter what. You don't have to keep putting money in a regular basis to the bond. It's definitely more sort of up to yourself, but there are the advantages and disadvantages. It's always a good a good side to the option, but also a bad side as well.\n\nSo it's about weighing up what's right for you at the time. Yeah. That's okay. I also just wanted to update. Now with the funeral accounts, how much do you have in there at the moment?\n\nOkay. Fantastic. Beautiful. And you said you put about $20 per week in there. Is that per month in there?\n\nSorry? Oh, fantastic. Excellent. Lovely. Well, feel free to have a chat.\n\nIf you decide you wanted to go down that route, you can let me know. In the meantime, I would just leave that there as that, and not sort of account for it. Okay? Excellent. Now other bank accounts and things, do you have any other term deposits or large savings accounts that Centrelink would wanna know about?\n\nYep. Yep. No. That's okay. That's not a problem at all.\n\n1,000 there. Beautiful. Well, thank you for updating those details there for me. Now I also had it noted. We do check this every year with you, but the last time you guys updated your will was 2010.\n\nIs your will still valid? Is it still suited to your circumstances, do you think? Yes. Yep. No.\n\nThat's not a problem at all. And when you do turn 67 and fully retire, if you do need to sort of take a little bit of money out of super at the same time to replenish your income, just confirming, you would wanna keep your beneficiaries nominated to each other. So Frank to Robin, Robin to Frank. Yep. Beautiful.\n\nNo. Beautiful. Beautiful. Lovely. So what I can also look at, if you're comfortable with me doing so, is when you do get to 67 there, Robin, and you do maybe on the age pension with the both of you getting full age pension, hopefully, and maybe drawing a little bit out of your sofa, did you want me to look at whether we move fully into pension phase or whether we stay in the super that we're in.\n\nDo you understand the difference between the two accounts and phases? That's right. So when you're in that pension phase, they have a minimum balance that you have to be able to draw out, which at age 67 is about 5% of your total balance. But looking at the way your super is with your total balance there, you might be drawing a bit more out. So if at the moment with the age pension, it's the two of you, it doesn't quite make that $2,000 per fortnight doll.\n\nSo I would probably have to be drawing a little bit out of your supers to kind of replenish to make sure you're able to get that $2,000 per fortnight for your living expenses. If I do the research and it comes back and tells me that, you know, what you'd be drawing out meets that minimum requirement, there are benefits to being in pension phase. I mean, you do have to take the money out, but there's also no tax consequences. So at the moment, you're in the accumulation phase. That's where you're building your super up.\n\nAll your employer contributions are going in. Any of the capital gains that your super makes, it actually currently pays tax on. And same with the income. So any income that's made inside that fund, your super currently pays tax on. When you turn fully retire, so age 67, when you wanna retire, if we wanna move you fully into pension phase, there's no tax consequences in there.\n\nSo your super fund can be making money, both capital gains and income, and there's no it doesn't pay any tax in that phase. The only sort of downside is that you do have to take a minimum pension payment. Would you like me to assess whether staying in accumulation or moving into pension works better for you at that time? Yep. Well, he can be, but he does have to take that minimum pension payment out.\n\nSo at the moment with Frank's balance, because you don't really want to take any money out and don't really need to right now because you're still working, he is fine to stay in in the accumulation phase. It does mean that his fund is taking is paying a little bit of tax on the growth and the income that it is making. But because you don't really need income out of it, there's nothing wrong with that. It's not paying a huge amount of tax. The downside to it is that it is assessed by Centrelink.\n\nSo at the moment, yours is sheltered by Centrelink because, Robin, you're under 67. But when you turn 67, both of your super balances will be assessed by Centrelink. And given this the current Centrelink arrangements with the payments they make, you might need to take some income out. So being in pension phase could actually work out better for you. But did you want me to look at whether Frank should be in pension phase now or super, or are you happy just to sort of keep it where it is now, Frank?\n\nWhat's your thought? He doesn't know? That's okay. Yeah. That is yeah.\n\nThat that's the other side of it. Yeah. I mean, the gross in the income this for the last twelve months up until now was essentially a positive of 2%. So your fund hasn't made a huge amount. It's only paid a small amount of tax, whereas you would have to draw 5% out.\n\nSo if I look at your balance at the moment there, Frank, just to give you an idea, I'll just pop back into that file. Sorry. I'm just pulling the document back up. Okay. So with your balance at the moment, Okay.\n\nSo with the balance at the moment, if your funds, say, as an example, made $2,000 there at 15%, the tax on that would essentially be $300. So if your fund made $2,000 for the year, it would pay a $300 tax on that. If, example, say, you needed to take out income from your super and you move the pension phase for the year at your current age there, it's about a 5%. So 5% times your current balance of $89.03 $7.00 and 82¢. It essentially means you'd have to draw out that $4,468 for the year.\n\nThat's a 5% of your current balance. $168 for the year. That's at 5% of your current balance. So, frankly, beating that accumulation phase now, whilst your fund is still paying tax, the tax it's probably paying on the income it's made this year is lower than the amount you would have to draw out. Does that make sense?\n\nYeah. Yeah. So, realistically, staying in accumulation right now means that you don't have to draw that money out. It is still currently paying tax, but you still have an opportunity to grow your balance even more without the requirement of drawing down. So are you happy just to stay in that sort of accumulation or super stage now?\n\nYep. And we can look at maybe moving into pension when Robin turns 67. Does that sound right to you? Yeah. Fantastic.\n\nNow I've covered a lot, and I'm so sorry. But do either of you have any questions, did you want me to break anything down more for you? Or no. That's oh, that's good. That's good.\n\nIt came a bit a bit confusing, but please let me know if there's anything you wanted me to sort of touch on. What I can do now is I can go back and just look at the research. We can update the advice. We'll look at the two stages, what we do now with the super, with the investments, and how that looks when you turn 57, Robin, and when you are both fully retired and needing to draw down on what we can do income wise. That'll give us a guide tracking and what we're planning over the next few years.\n\nAnd then moving forward, we can just keep reviewing that and make changes as we need to. Does that sound okay? Do both of you have any additional questions? That sounds great. Fantastic.\n\nLovely. Well, I feel like I've taken up enough of your precious time, so I will let you both go. I'll get my team just to double check that both those odor signs have gone through with the ongoing service agreement. If there's any issue, we'll make sure we resend it through, and I'll get my team to give you a buzz. I'll send out an email there just directing and showing you how to get into the myGov to pull down the the asset information for Centrelink just for the research.\n\nAnd if you get stuck or have any problems, let me know. Okay? Fantastic. I'll let you both go, Frank. I hope recovery's well.\n\nRest up. Fantastic. Robin, I hope you get some downtime too. Oh, absolutely. No.\n\nAll good. And I will attach the email there our financial services guide. It is really important we provide that to you. It's a a licensee document. It's a a document that explains everything about who we are.\n\nIt has all my licensing information in there as a registered adviser for you, and it's also got a lovely picture of me in there as well. You're welcome to run your eyes over that. If you do have any additional questions, let me know. I know we've spoken a few times in the past, but it's always good to update everything. And, you know, you meet a lot of people on a regular basis, so you might forget what I look like.\n\nYou talk to me on the phone all the time, but not a problem at all, guys. Thank you so much for your time. You both have an amazing afternoon. I'll talk to you very soon. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Frank.","start":3.9199998,"end":4.48,"sentiment":"neutral","sentiment_score":0.02376534231007099},{"text":"Robin, can you hear me better now?","start":4.48,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.001792332689676966},{"text":"Hi, Frank.","start":11.28,"end":11.84,"sentiment":"neutral","sentiment_score":0.022807120345532894},{"text":"It's Dana from Oakview.","start":11.84,"end":12.96,"sentiment":"neutral","sentiment_score":0.04490012675523758},{"text":"Can you hear me better?","start":12.96,"end":14.099999,"sentiment":"neutral","sentiment_score":0.018010435998439787}],"sentiment":"neutral","sentiment_score":0.01876719705760479,"num_words":20,"start":3.9199998,"end":14.099999},{"sentences":[{"text":"Yep.","start":16.695,"end":17.195,"sentiment":"neutral","sentiment_score":0.21540269255638125},{"text":"Fantastic.","start":17.494999,"end":17.994999,"sentiment":"positive","sentiment_score":0.6570209264755249},{"text":"Much clearer.","start":18.535,"end":19.435,"sentiment":"positive","sentiment_score":0.48567694425582886},{"text":"Oh, good.","start":22.215,"end":23.015,"sentiment":"neutral","sentiment_score":0.27460820972919464},{"text":"Good.","start":23.015,"end":23.335,"sentiment":"positive","sentiment_score":0.3653413653373718}],"sentiment":"positive","sentiment_score":0.39404789890561787,"num_words":7,"start":16.695,"end":23.335},{"sentences":[{"text":"Good.","start":23.335,"end":23.575,"sentiment":"neutral","sentiment_score":0.32211652398109436},{"text":"Well, I won't yell into the phone too much.","start":23.575,"end":25.335,"sentiment":"neutral","sentiment_score":0.05295564762006203},{"text":"Just tell me to to slow down.","start":25.335,"end":27.115,"sentiment":"neutral","sentiment_score":0.03062308207154274},{"text":"Get a bit quieter for you.","start":27.415,"end":29.115,"sentiment":"neutral","sentiment_score":0.07734044392903645},{"text":"All good.","start":30.33,"end":30.97,"sentiment":"neutral","sentiment_score":0.3074304163455963}],"sentiment":"neutral","sentiment_score":0.08367929693311453,"num_words":25,"start":23.335,"end":30.97},{"sentences":[{"text":"Just before we jump into the call again, I just need to do a quick security check there with you.","start":31.13,"end":35.129997,"sentiment":"neutral","sentiment_score":0.06599317491054535},{"text":"I have emailed some documents to you, but we can kinda go through those shortly.","start":35.449997,"end":39.149998,"sentiment":"neutral","sentiment_score":0.0766245593627294},{"text":"Can I get you both just to confirm your date of birth for me and the address of where you should be the address I should have on file?","start":39.61,"end":46.614998,"sentiment":"neutral","sentiment_score":0.07213479601617517},{"text":"Yep.","start":51.235,"end":51.735,"sentiment":"neutral","sentiment_score":0.016287604346871376},{"text":"Beautiful.","start":56.835,"end":57.315,"sentiment":"positive","sentiment_score":0.3820664584636688}],"sentiment":"neutral","sentiment_score":0.07514386418077981,"num_words":66,"start":31.13,"end":57.315},{"sentences":[{"text":"Thank you so much for that.","start":57.315,"end":58.48,"sentiment":"positive","sentiment_score":0.5404798289140066},{"text":"And, Frank, I'll describe your date of birth there for me.","start":58.48,"end":64.96,"sentiment":"neutral","sentiment_score":0.1490070785988461},{"text":"Legend.","start":64.96,"end":65.439995,"sentiment":"neutral","sentiment_score":0.1380990594625473},{"text":"Thank you so much for that.","start":65.439995,"end":67.14,"sentiment":"positive","sentiment_score":0.3614491969347},{"text":"So just to give you guys a bit of an update on your super now I have sent you the annual review documents to you.","start":67.84,"end":73.255,"sentiment":"neutral","sentiment_score":0.15184357345104219}],"sentiment":"neutral","sentiment_score":0.2241804166411867,"num_words":49,"start":57.315,"end":73.255},{"sentences":[{"text":"They have been sent through from a different system for what we used to use.","start":73.255,"end":76.375,"sentiment":"neutral","sentiment_score":0.03662287096182505},{"text":"We used to use DocuSign, which you could kinda open and review the documents.","start":76.375,"end":80.875,"sentiment":"neutral","sentiment_score":0.03473612253687212},{"text":"With OdooSign, you can do the exact same thing.","start":81.335,"end":84.215,"sentiment":"neutral","sentiment_score":0.06342365675502354},{"text":"It's just they added as attachments on the front of the email.","start":84.215,"end":87.41499,"sentiment":"neutral","sentiment_score":0.0527247063194712},{"text":"So I have been finding some people struggle a little bit with opening up the attachments.","start":87.41499,"end":92.03,"sentiment":"neutral","sentiment_score":-0.05448573362082243}],"sentiment":"neutral","sentiment_score":0.020717976191504436,"num_words":66,"start":73.255,"end":92.03},{"sentences":[{"text":"So if you like, what I can do is I can give you both a bit of a run through on your super balanced performance, and then you're welcome to review those documents a bit later.","start":92.17,"end":101.05,"sentiment":"neutral","sentiment_score":0.15714625476135147},{"text":"Does that sound okay at all?","start":101.05,"end":102.83,"sentiment":"neutral","sentiment_score":0.07966202000776927},{"text":"Yeah.","start":104.835,"end":105.315,"sentiment":"neutral","sentiment_score":0.0942363366484642},{"text":"That's okay.","start":105.315,"end":106.115,"sentiment":"neutral","sentiment_score":0.0714595727622509},{"text":"Don't wanna make it too difficult.","start":106.115,"end":107.815,"sentiment":"neutral","sentiment_score":-0.10073800136645635}],"sentiment":"neutral","sentiment_score":0.11309734834175483,"num_words":51,"start":92.17,"end":107.815},{"sentences":[{"text":"You guys probably had a big week as well.","start":107.875,"end":110.695,"sentiment":"neutral","sentiment_score":-0.0676798021627797},{"text":"All good.","start":112.915,"end":113.735,"sentiment":"neutral","sentiment_score":0.1731123849749565},{"text":"So, Robin, I'll give you a bit of an update first.","start":114.035,"end":116.435,"sentiment":"neutral","sentiment_score":0.061789383603767914},{"text":"Now having a look at things, you did do a bit of a withdrawal earlier this year.","start":116.435,"end":120.29,"sentiment":"neutral","sentiment_score":-0.025187459774315357},{"text":"Having a look at things that your balance last year when we sort of caught up to do your annual review, which was late last year there, the balance was about a 150,020.","start":121.23,"end":131.17,"sentiment":"neutral","sentiment_score":0.03768393372548885}],"sentiment":"neutral","sentiment_score":0.017113510651446024,"num_words":72,"start":107.875,"end":131.17},{"sentences":[{"text":"You did do a bit of a withdrawal earlier this year as well, so that does affect the balance.","start":131.76501,"end":135.76501,"sentiment":"neutral","sentiment_score":-0.08530548665868609},{"text":"But your balance at the moment is about $135,008.66, and your performance has not done too bad.","start":135.76501,"end":144.005,"sentiment":"neutral","sentiment_score":0.19846978717867067},{"text":"So whilst the super, well, while the markets as a whole have been a bit volatile going up and down a lot with what's been happening between The US and the Iran, with that war out there, you've actually come out with a positive 6.26% return at the end of the year, which is great.","start":144.005,"end":160.665,"sentiment":"neutral","sentiment_score":0.23427828936414286},{"text":"And that's, yeah, giving you total earnings in your portfolio of about $10,992.","start":161.385,"end":167.805,"sentiment":"positive","sentiment_score":0.547179999259802},{"text":"So you have made some money in your portfolios after the year, which is good to see.","start":168.42499,"end":172.525,"sentiment":"positive","sentiment_score":0.581093951183207}],"sentiment":"neutral","sentiment_score":0.2614084728185303,"num_words":121,"start":131.76501,"end":172.525},{"sentences":[{"text":"Yeah.","start":175.07999,"end":175.57999,"sentiment":"neutral","sentiment_score":0.04528430476784706},{"text":"135,000.","start":179.71999,"end":181.81999,"sentiment":"neutral","sentiment_score":0.01110411249101162},{"text":"Yep.","start":182.35999,"end":182.68,"sentiment":"neutral","sentiment_score":0.013149455189704897},{"text":"Sorry.","start":182.68,"end":183.0,"sentiment":"neutral","sentiment_score":-0.0321301594376564},{"text":"I've got it here.","start":183.0,"end":183.9,"sentiment":"neutral","sentiment_score":-0.06544343382120132}],"sentiment":"neutral","sentiment_score":-0.028045752784237266,"num_words":8,"start":175.07999,"end":183.9},{"sentences":[{"text":"My apologies.","start":185.175,"end":185.895,"sentiment":"neutral","sentiment_score":-0.1037079282104969},{"text":"My computer just had a little bit of a moment.","start":185.895,"end":187.99501,"sentiment":"neutral","sentiment_score":-0.06759051382541656},{"text":"135,866 and 81¢.","start":188.21501,"end":192.875,"sentiment":"neutral","sentiment_score":-0.0020370787824504077},{"text":"Yeah.","start":194.93501,"end":195.43501,"sentiment":"neutral","sentiment_score":0.323819100856781},{"text":"Beautiful.","start":195.895,"end":196.395,"sentiment":"positive","sentiment_score":0.35542353987693787}],"sentiment":"neutral","sentiment_score":-0.013009531969146337,"num_words":17,"start":185.175,"end":196.395},{"sentences":[{"text":"So it is really good to see.","start":197.19,"end":198.62999,"sentiment":"positive","sentiment_score":0.38950748103005545},{"text":"Now I have also had a bit of a look at your portfolio underlying.","start":198.62999,"end":202.65,"sentiment":"neutral","sentiment_score":0.1073241223181997},{"text":"I know last year when we spoke, we were looking at maybe making some alterations to, you know, see where we were tracking.","start":203.11,"end":209.51,"sentiment":"neutral","sentiment_score":0.06816808846981628},{"text":"I also wanted to sort of touch base today to have a bit of a chat about making some changes to both of your portfolios as well because I have, after doing some research, noted some of the investments are underperforming a little bit.","start":209.51,"end":220.965,"sentiment":"neutral","sentiment_score":0.08518449640409513},{"text":"So we wanna make sure that whilst you're not taking too much risk in the market, that, you know, your super is performing at its best as well.","start":220.965,"end":228.68001,"sentiment":"neutral","sentiment_score":0.12817154838038342}],"sentiment":"neutral","sentiment_score":0.11322308026639552,"num_words":116,"start":197.19,"end":228.68001},{"sentences":[{"text":"Okay?","start":228.82,"end":229.32,"sentiment":"neutral","sentiment_score":0.027304550632834435},{"text":"Frank, to give you a bit of an update there, when we sort of caught up last year, your balance then was $89,841.09.","start":231.14001,"end":239.56001,"sentiment":"neutral","sentiment_score":0.008141502697506676},{"text":"Speaking now, your balance is 89,370 and 82¢.","start":240.505,"end":245.785,"sentiment":"neutral","sentiment_score":-0.0327808302161949},{"text":"So it has just gone down a little bit there, and that is because of the ups and downs the market is seeing.","start":245.785,"end":251.405,"sentiment":"neutral","sentiment_score":-0.11387921869754791},{"text":"It's mostly just with the market ups and downs.","start":252.78,"end":255.5,"sentiment":"neutral","sentiment_score":-0.10112024264203177}],"sentiment":"neutral","sentiment_score":-0.05625731607396451,"num_words":64,"start":228.82,"end":255.5},{"sentences":[{"text":"But when we sort of look at performance wise, you still have had a positive return inside your portfolio.","start":255.5,"end":261.68,"sentiment":"positive","sentiment_score":0.40751354866906214},{"text":"So you still come out with a positive 2% return net of fees, and it does mean your portfolio has made about $3,951 there.","start":262.06,"end":271.365,"sentiment":"positive","sentiment_score":0.5492896338303884},{"text":"It's just that those market fluctuations have affected that return.","start":271.425,"end":274.805,"sentiment":"neutral","sentiment_score":-0.13312185741961002},{"text":"And at the moment, the balance is down slightly because of the ongoing the ongoing ups and downs the market is seeing.","start":275.185,"end":282.225,"sentiment":"neutral","sentiment_score":-0.3029554415155541},{"text":"But, realistically, I mean, if I look back to this time last year, your balance then was 86,000.","start":282.225,"end":288.32,"sentiment":"neutral","sentiment_score":-0.009094796143472195}],"sentiment":"neutral","sentiment_score":0.13726627976903993,"num_words":93,"start":255.5,"end":288.32},{"sentences":[{"text":"So it is still steadily increasing.","start":288.54,"end":290.8,"sentiment":"neutral","sentiment_score":0.08221677194039027},{"text":"It's just from when we spoke in August to now, there's a slight drop in in your balance.","start":290.86,"end":295.26,"sentiment":"neutral","sentiment_score":-0.24046708395083746},{"text":"That's all.","start":295.26,"end":295.9,"sentiment":"neutral","sentiment_score":-0.22635796666145325},{"text":"And it's only of a couple of $100 there.","start":295.9,"end":298.06,"sentiment":"neutral","sentiment_score":-0.09194529304901759},{"text":"So I do expect to come back and recover a little bit moving forward.","start":298.06,"end":301.88498,"sentiment":"neutral","sentiment_score":0.27275772392749786}],"sentiment":"neutral","sentiment_score":-0.026463720719425047,"num_words":49,"start":288.54,"end":301.88498},{"sentences":[{"text":"Okay.","start":301.94498,"end":302.44498,"sentiment":"positive","sentiment_score":0.3442641496658325},{"text":"All good.","start":305.465,"end":306.365,"sentiment":"positive","sentiment_score":0.5362176150083542},{"text":"The other thing I sort of wanted to talk to you both about, as I kinda mentioned before, I've looked at both of your super funds.","start":307.38498,"end":313.485,"sentiment":"neutral","sentiment_score":0.0031617611933213016},{"text":"You both do have and have been recommended in the past the Banda Long Australian Equities investment.","start":314.04,"end":319.41998,"sentiment":"neutral","sentiment_score":0.000025206081130925348},{"text":"When you are looking at the internal rate of return report, that's probably one of the investments that is underperforming in both of your supers at the moment.","start":320.12,"end":327.58,"sentiment":"neutral","sentiment_score":-0.21365415677428246}],"sentiment":"neutral","sentiment_score":-0.06058084750799714,"num_words":74,"start":301.94498,"end":327.58},{"sentences":[{"text":"Now when we kind of did when you did get the last advice document a couple of years back, and this was recommended in there, the main objective to having this investment in your super is that the investment manager within that spend along Australian Equities Fund, they are essentially trying to pick the market, time the market, and buy and sell investments that, you know, basically time when they can get into the market and buy investments that are low that they see additional growth for.","start":328.055,"end":357.225,"sentiment":"neutral","sentiment_score":-0.02902884323192739},{"text":"And this investment manager is supposed to be trying to trade against the market and and try to make sure that the fund is outperforming the market to try to get a much greater return.","start":357.445,"end":367.385,"sentiment":"neutral","sentiment_score":-0.03427628544824464},{"text":"When I sort of had a look at how they're performing and what's been going on, over the last year, Banda Long has not been able to do that, and I don't know if you sort of had a look at that investment over the past few years.","start":368.0,"end":378.63998,"sentiment":"neutral","sentiment_score":-0.20985218354811272},{"text":"But from COVID onwards, they have had a bit of up and downs.","start":378.63998,"end":382.08,"sentiment":"neutral","sentiment_score":-0.129257183521986},{"text":"They've had some years which have been really great and other years which have struggled heavily.","start":382.08,"end":386.675,"sentiment":"neutral","sentiment_score":-0.1505806534551084}],"sentiment":"neutral","sentiment_score":-0.0898880301670513,"num_words":199,"start":328.055,"end":386.675},{"sentences":[{"text":"With the most recent struggles they've had, I've had a bit of a look, and I don't believe they're a good investment any longer.","start":387.615,"end":394.595,"sentiment":"neutral","sentiment_score":-0.30106639737884205},{"text":"I wanted to sort of maybe look at taking that out there for you, replacing it with something else.","start":395.37003,"end":400.35,"sentiment":"neutral","sentiment_score":-0.019180468234576677},{"text":"I've actually been having a look, and I wanted to get both of your thoughts on this.","start":400.65002,"end":404.49002,"sentiment":"neutral","sentiment_score":0.09213578394230675},{"text":"So because that investment is more of an actively managed investment in your fund, they normally hold between 15 to 25 different investments.","start":404.49002,"end":412.98502,"sentiment":"neutral","sentiment_score":0.07410888211882632},{"text":"If you wanted to, I have a couple of options which might actually be a bit cheaper in investment fees.","start":413.605,"end":419.14502,"sentiment":"neutral","sentiment_score":0.14788914658129215}],"sentiment":"neutral","sentiment_score":-0.013217736758942743,"num_words":103,"start":387.615,"end":419.14502},{"sentences":[{"text":"Does give you greater diversification.","start":419.765,"end":421.30502,"sentiment":"neutral","sentiment_score":0.25135578513145446},{"text":"Instead of having, you know, 15 or 20 investors in the fund, have about 200.","start":426.04,"end":430.12,"sentiment":"neutral","sentiment_score":0.0924333003660043},{"text":"So it gives you greater diversification and might be a bit cheaper in administration fees and investment fees.","start":430.12,"end":436.535,"sentiment":"neutral","sentiment_score":0.1894960010217296},{"text":"Would you like me to look at a cheaper investment for you, or do you have any questions about that?","start":436.535,"end":442.07498,"sentiment":"neutral","sentiment_score":0.06966128703206778},{"text":"Yeah.","start":447.27002,"end":447.77002,"sentiment":"neutral","sentiment_score":0.01082739233970642}],"sentiment":"neutral","sentiment_score":0.1264111793647378,"num_words":59,"start":419.765,"end":447.77002},{"sentences":[{"text":"Yeah.","start":450.47,"end":450.97,"sentiment":"neutral","sentiment_score":0.028271012008190155},{"text":"Yep.","start":452.23,"end":452.55002,"sentiment":"neutral","sentiment_score":0.09344892203807832},{"text":"Did you want me to sort of try and lower the cost of maybe investment fees for you so that you're not paying as much in investment fees for investment?","start":452.55002,"end":459.77002,"sentiment":"neutral","sentiment_score":0.04876248762011528},{"text":"Yeah.","start":465.385,"end":465.865,"sentiment":"neutral","sentiment_score":0.15982158482074738},{"text":"Okay.","start":465.865,"end":466.365,"sentiment":"neutral","sentiment_score":0.30278274416923523}],"sentiment":"neutral","sentiment_score":0.060211732107050275,"num_words":34,"start":450.47,"end":466.365},{"sentences":[{"text":"Beautiful.","start":467.385,"end":467.885,"sentiment":"positive","sentiment_score":0.5538927316665649},{"text":"I've had a bit of a look.","start":468.185,"end":469.225,"sentiment":"neutral","sentiment_score":0.2509413723434721},{"text":"There's a few different options that work really well.","start":469.225,"end":471.725,"sentiment":"positive","sentiment_score":0.3473828567398919},{"text":"One of the things that I have sort of been finding that a lot of my older clients are looking to do is, a, to save a little bit of money and fees, which is important, but also have investments that have been working a little bit more.","start":471.785,"end":483.61,"sentiment":"neutral","sentiment_score":0.19457604953398308},{"text":"But also with what's been happening in the markets globally at the moment, maybe creating greater diversification and trying to lower risk a little bit more.","start":483.99,"end":492.555,"sentiment":"neutral","sentiment_score":0.09377099007654649}],"sentiment":"neutral","sentiment_score":0.18917169415770652,"num_words":91,"start":467.385,"end":492.555},{"sentences":[{"text":"Is that something you're wanting me to sort of look at and focus on?","start":492.555,"end":495.935,"sentiment":"neutral","sentiment_score":0.06404525307672364},{"text":"Yeah.","start":497.835,"end":498.315,"sentiment":"neutral","sentiment_score":0.1442093849182129},{"text":"Yep.","start":498.315,"end":498.795,"sentiment":"neutral","sentiment_score":0.20584678649902344},{"text":"Absolutely.","start":498.795,"end":499.295,"sentiment":"positive","sentiment_score":0.5453212261199951},{"text":"This level is beautiful.","start":500.555,"end":502.095,"sentiment":"positive","sentiment_score":0.734969288110733}],"sentiment":"neutral","sentiment_score":0.2253280044311569,"num_words":21,"start":492.555,"end":502.095},{"sentences":[{"text":"I have a couple of options for investments to replace Bannalong.","start":502.555,"end":506.76,"sentiment":"neutral","sentiment_score":0.23532778905196625},{"text":"I just wanted to sort of note that this has been underperforming a little bit, so we it's time to remove that for you and see if we can update both of your portfolios.","start":507.54,"end":515.32,"sentiment":"neutral","sentiment_score":-0.23849589180420427},{"text":"You both do have quite different portfolios there.","start":516.26,"end":519.24,"sentiment":"neutral","sentiment_score":-0.1506347805261612},{"text":"And I just wanted to sort of gauge where we're at.","start":519.775,"end":521.935,"sentiment":"neutral","sentiment_score":-0.05905755710872737},{"text":"Now we did a risk profile when we spoke in August last year.","start":521.935,"end":527.075,"sentiment":"neutral","sentiment_score":-0.04777548017983253}],"sentiment":"neutral","sentiment_score":-0.10384476956512247,"num_words":77,"start":502.555,"end":527.075},{"sentences":[{"text":"And having a look at things, the current risk profiles, frankly, you're more in an older defensive portfolio.","start":527.855,"end":534.035,"sentiment":"neutral","sentiment_score":-0.06207993740422858},{"text":"So that's essentially meant to be a little bit more lower risk, more income producing.","start":534.335,"end":539.2,"sentiment":"neutral","sentiment_score":0.08739102861533563},{"text":"We do expect lower returns from these portfolios, but it's more about giving your super longevity, holding on to your capital as long as possible.","start":539.26,"end":547.76,"sentiment":"neutral","sentiment_score":0.28393228828907013},{"text":"Do you when we kinda did that risk profile for you both, you both came out as more of a balanced investor.","start":549.135,"end":554.67505,"sentiment":"neutral","sentiment_score":0.16046174107627434},{"text":"So that essentially sees about 60% of your super invested in areas of growth, like international shares, Australian shares, gold and silver, and also, you know, property, and then the other sort of 40% in lower risk defensive investments like cash, bonds, and fixed interest.","start":554.895,"end":575.3,"sentiment":"neutral","sentiment_score":0.13559428312712246}],"sentiment":"neutral","sentiment_score":0.13538907846063375,"num_words":125,"start":527.855,"end":575.3},{"sentences":[{"text":"This investment normally suits someone who has about three years before wanting to access their super whilst, Frank, I know you're already retired.","start":576.32,"end":583.375,"sentiment":"neutral","sentiment_score":-0.017391778771644054},{"text":"Robin, do you feel like you're wanting to sort of stop working in the next couple of years, or what's your aim for?","start":584.395,"end":590.555,"sentiment":"neutral","sentiment_score":-0.22991518708674805},{"text":"How how much longer you wanna work?","start":590.555,"end":592.73505,"sentiment":"neutral","sentiment_score":-0.18816677800246648},{"text":"Okay.","start":602.07,"end":602.57,"sentiment":"neutral","sentiment_score":-0.08958720415830612},{"text":"No.","start":602.79,"end":603.02997,"sentiment":"neutral","sentiment_score":-0.15781424939632416}],"sentiment":"neutral","sentiment_score":-0.1318659838966348,"num_words":55,"start":576.32,"end":603.02997},{"sentences":[{"text":"That's alright.","start":603.02997,"end":603.67,"sentiment":"neutral","sentiment_score":-0.07426434382796288},{"text":"So you're happy to continue that for a bit longer.","start":603.67,"end":605.93,"sentiment":"neutral","sentiment_score":0.0206795871257782},{"text":"Yeah.","start":609.335,"end":609.735,"sentiment":"neutral","sentiment_score":0.01802531816065311},{"text":"Yeah.","start":609.735,"end":609.97504,"sentiment":"neutral","sentiment_score":0.02025453746318817},{"text":"Because you've only just turned 65.","start":609.97504,"end":612.075,"sentiment":"neutral","sentiment_score":0.008652136661112309}],"sentiment":"neutral","sentiment_score":0.007422992959618568,"num_words":20,"start":603.02997,"end":612.075},{"sentences":[{"text":"Yeah.","start":617.09503,"end":617.59503,"sentiment":"neutral","sentiment_score":0.04080386459827423},{"text":"No.","start":619.61,"end":619.93,"sentiment":"neutral","sentiment_score":0.08794455975294113},{"text":"Excellent.","start":619.93,"end":620.41,"sentiment":"neutral","sentiment_score":0.312458872795105},{"text":"So looking at when you're able to access age pension and then kind of give up work completely and retire, not a problem at all.","start":620.41,"end":627.55,"sentiment":"neutral","sentiment_score":0.14484328359365464},{"text":"And, Frank, you're getting the age pension at the moment.","start":628.17,"end":631.07,"sentiment":"neutral","sentiment_score":0.1487812139093876}],"sentiment":"neutral","sentiment_score":0.14605530331793584,"num_words":38,"start":617.09503,"end":631.07},{"sentences":[{"text":"You're still reporting every fortnight based on Robin's income.","start":631.935,"end":635.29504,"sentiment":"neutral","sentiment_score":0.15032832158936393},{"text":"Is that right?","start":635.29504,"end":636.115,"sentiment":"neutral","sentiment_score":0.1276404062906901},{"text":"Yeah.","start":643.615,"end":644.115,"sentiment":"neutral","sentiment_score":0.1784157752990723},{"text":"Yeah.","start":644.175,"end":644.675,"sentiment":"neutral","sentiment_score":0.24864394962787628},{"text":"That's okay.","start":645.26996,"end":646.08997,"sentiment":"positive","sentiment_score":0.37882012128829956}],"sentiment":"neutral","sentiment_score":0.18253600504249334,"num_words":16,"start":631.935,"end":646.08997},{"sentences":[{"text":"You're not wanting to sort of drop hours to maximize the age pension.","start":646.31,"end":650.23,"sentiment":"neutral","sentiment_score":-0.13203349709510803},{"text":"You're sort of happy with the way it's working at the moment?","start":650.23,"end":652.64996,"sentiment":"neutral","sentiment_score":0.1929687655841311},{"text":"Okay.","start":666.565,"end":667.065,"sentiment":"neutral","sentiment_score":0.2376699149608612},{"text":"Yep.","start":667.365,"end":667.765,"sentiment":"neutral","sentiment_score":0.25528329610824585},{"text":"That's okay.","start":667.765,"end":668.585,"sentiment":"positive","sentiment_score":0.3643825948238373}],"sentiment":"neutral","sentiment_score":0.06278993536172242,"num_words":29,"start":646.31,"end":668.585},{"sentences":[{"text":"And Frank, do you wanna start do you need to start maybe accessing a little bit of money out of your super, or are you wanting to hold off on that for a bit longer?","start":670.0,"end":678.1,"sentiment":"neutral","sentiment_score":0.0314173516950437},{"text":"Yep.","start":682.655,"end":683.155,"sentiment":"neutral","sentiment_score":0.016293980181217194},{"text":"Yeah.","start":684.815,"end":685.315,"sentiment":"neutral","sentiment_score":0.0748499184846878},{"text":"Yeah.","start":687.135,"end":687.455,"sentiment":"neutral","sentiment_score":0.18019258975982663},{"text":"That's okay.","start":687.455,"end":688.17505,"sentiment":"neutral","sentiment_score":0.2338116466999054}],"sentiment":"neutral","sentiment_score":0.045964177278801796,"num_words":40,"start":670.0,"end":688.17505},{"sentences":[{"text":"Not a problem.","start":688.17505,"end":688.815,"sentiment":"neutral","sentiment_score":0.30120571454366046},{"text":"I just access whenever you do need.","start":688.815,"end":690.73505,"sentiment":"neutral","sentiment_score":0.23752280005386897},{"text":"Do you think you might need a little, a withdrawal in the next couple of months at all that I might be able to factor into the advice for you?","start":690.73505,"end":698.22003,"sentiment":"neutral","sentiment_score":0.10521891365448634},{"text":"No.","start":703.32,"end":703.82,"sentiment":"neutral","sentiment_score":-0.14861667156219482},{"text":"It does.","start":713.97504,"end":714.715,"sentiment":"neutral","sentiment_score":0.20703333616256714}],"sentiment":"neutral","sentiment_score":0.13926265475361846,"num_words":43,"start":688.17505,"end":714.715},{"sentences":[{"text":"It does.","start":714.775,"end":715.49506,"sentiment":"neutral","sentiment_score":0.14877256751060486},{"text":"I don't know, Frank.","start":715.49506,"end":716.375,"sentiment":"neutral","sentiment_score":-0.040368721820414066},{"text":"Do you wanna go on holidays?","start":716.375,"end":717.67505,"sentiment":"neutral","sentiment_score":-0.042828163132071495},{"text":"You did.","start":721.48004,"end":722.04004,"sentiment":"neutral","sentiment_score":0.050413453951478004},{"text":"You did.","start":722.04004,"end":722.44,"sentiment":"neutral","sentiment_score":0.049151573330163956}],"sentiment":"neutral","sentiment_score":0.004889457719400525,"num_words":16,"start":714.775,"end":722.44},{"sentences":[{"text":"And that was I remember that's the reason you took the funds out for that last withdrawal.","start":722.44,"end":726.06,"sentiment":"neutral","sentiment_score":-0.0009368430576561131},{"text":"And how was that?","start":726.28,"end":727.82,"sentiment":"neutral","sentiment_score":0.019338225480169058},{"text":"Yeah.","start":730.76,"end":731.16003,"sentiment":"neutral","sentiment_score":0.005781233310699463},{"text":"They go fast.","start":731.16003,"end":732.38,"sentiment":"neutral","sentiment_score":-0.004463724792003632},{"text":"Yeah.","start":732.92004,"end":733.42004,"sentiment":"neutral","sentiment_score":-0.036219630390405655}],"sentiment":"neutral","sentiment_score":0.0006768076340309703,"num_words":26,"start":722.44,"end":733.42004},{"sentences":[{"text":"Yeah.","start":735.335,"end":735.835,"sentiment":"neutral","sentiment_score":0.019291376695036888},{"text":"No.","start":735.895,"end":736.295,"sentiment":"neutral","sentiment_score":-0.005698107182979584},{"text":"Not a problem.","start":736.295,"end":737.035,"sentiment":"neutral","sentiment_score":0.18585969507694244},{"text":"Not a problem at all.","start":737.495,"end":738.695,"sentiment":"neutral","sentiment_score":0.222797167301178},{"text":"So, essentially, with this advice piece, I'll just sort of look at maybe restructuring the investments, look at the cost, any tax consequences your super needs to factor in, keeping you both in the super, you know, accumulation kind of area at the moment, not withdrawing any additional funds currently.","start":738.695,"end":755.92,"sentiment":"neutral","sentiment_score":0.12930475667119026}],"sentiment":"neutral","sentiment_score":0.13583993374680478,"num_words":60,"start":735.335,"end":755.92},{"sentences":[{"text":"And just sort of looking at longevity wise, what this might mean.","start":758.3,"end":762.31995,"sentiment":"neutral","sentiment_score":0.1045746710151434},{"text":"Did you want me to sort of look at it in the next fifteen months and maybe factor in, you know, the expected age pension entitlement for you both, Robin, when you do get to that age to see what that might look like?","start":762.38,"end":775.63495,"sentiment":"neutral","sentiment_score":0.036259706343778154},{"text":"Yeah.","start":779.55,"end":779.79,"sentiment":"neutral","sentiment_score":0.330249547958374},{"text":"That's okay.","start":779.79,"end":780.51,"sentiment":"positive","sentiment_score":0.3581962287425995},{"text":"Not a problem.","start":780.51,"end":781.41,"sentiment":"neutral","sentiment_score":-0.14233150829871496}],"sentiment":"neutral","sentiment_score":0.05596726793315141,"num_words":62,"start":758.3,"end":781.41},{"sentences":[{"text":"Okay.","start":793.085,"end":793.585,"sentiment":"neutral","sentiment_score":-0.021224722266197205},{"text":"No.","start":793.72504,"end":793.885,"sentiment":"neutral","sentiment_score":-0.11557608842849731},{"text":"That's yeah.","start":793.885,"end":795.085,"sentiment":"neutral","sentiment_score":-0.059907156974077225},{"text":"No.","start":795.085,"end":795.325,"sentiment":"neutral","sentiment_score":-0.07606081664562225},{"text":"That's okay.","start":795.325,"end":796.145,"sentiment":"neutral","sentiment_score":0.07191868498921394}],"sentiment":"neutral","sentiment_score":-0.02697693875857762,"num_words":7,"start":793.085,"end":796.145},{"sentences":[{"text":"So having a look at I mean, when we sort of looked at that last time and we in August, we looked at the balanced portfolio, which sorta has that sixty forty split.","start":796.84503,"end":806.89,"sentiment":"neutral","sentiment_score":0.05970921446428155},{"text":"Do you want to maybe have more defensive investments rather than that 60% growth, or would you rather see a little bit more growth?","start":806.89,"end":815.93,"sentiment":"neutral","sentiment_score":0.02163153576354186},{"text":"What's yep.","start":815.93,"end":821.495,"sentiment":"neutral","sentiment_score":0.19077858328819275},{"text":"I could I could try to make it so we see about a fifty fifty split if you want.","start":821.955,"end":826.515,"sentiment":"neutral","sentiment_score":0.14510750025510788},{"text":"I can look to create a portfolio that sees 50% in those low risk defensive investments like cash, bonds, and fixed interest, which is where we get income from.","start":826.515,"end":837.09,"sentiment":"neutral","sentiment_score":0.20173073071857978}],"sentiment":"neutral","sentiment_score":0.10727431586830416,"num_words":107,"start":796.84503,"end":837.09},{"sentences":[{"text":"They do get a lower rate of return, but they're there for security and income producing.","start":837.87,"end":842.69,"sentiment":"neutral","sentiment_score":0.27185550332069397},{"text":"They pay out, you know, regular dividends and income, which gets reinvested back into your super.","start":843.225,"end":848.605,"sentiment":"neutral","sentiment_score":0.2599117550998926},{"text":"And then I could look to maybe keep 50% in that growth area with those Australian and international equities and gold and silver and things like that.","start":849.14496,"end":859.64,"sentiment":"neutral","sentiment_score":0.17653815972584266},{"text":"Did you want me to kind of restructure it to give you more of a balanced approach fifty fifty?","start":859.64,"end":864.22,"sentiment":"neutral","sentiment_score":0.10111321744165923},{"text":"Yep.","start":872.375,"end":872.875,"sentiment":"neutral","sentiment_score":0.009500625543296335}],"sentiment":"neutral","sentiment_score":0.19247415448432859,"num_words":79,"start":837.87,"end":872.875},{"sentences":[{"text":"Yep.","start":874.695,"end":875.195,"sentiment":"neutral","sentiment_score":-0.028032949194312096},{"text":"I mean, looking yeah.","start":875.415,"end":877.415,"sentiment":"neutral","sentiment_score":-0.09027013462036848},{"text":"I mean, looking at where you guys are at the moment, I'm just sort of seeing if I can find out what your last one was.","start":877.415,"end":886.57,"sentiment":"neutral","sentiment_score":-0.013560817747090299},{"text":"Because I know Rob and yours is more of an older kind of defensive portfolio.","start":886.57,"end":891.47003,"sentiment":"neutral","sentiment_score":-0.10271065880854925},{"text":"And from what I can see here, Frank, you're in more of a balanced growth environment from where we were.","start":893.21,"end":897.945,"sentiment":"neutral","sentiment_score":0.058630623202770946}],"sentiment":"neutral","sentiment_score":-0.016814275260196264,"num_words":66,"start":874.695,"end":897.945},{"sentences":[{"text":"So that's kind of that seventy thirty, split 70% in those, you know, riskier investments and 30% in those low risk investors.","start":897.945,"end":907.245,"sentiment":"neutral","sentiment_score":0.023921200116588312},{"text":"So bringing things down for yourself would absolutely be preferable.","start":907.41,"end":910.87,"sentiment":"neutral","sentiment_score":0.24694064408540725},{"text":"I'm just sorry.","start":912.61,"end":913.41,"sentiment":"neutral","sentiment_score":-0.07406218194713195},{"text":"Gonna go into the file and have a quick look at your last advice document to sort of see what we were looking at for yourself, Robin, to see how this was put together.","start":913.41,"end":925.885,"sentiment":"neutral","sentiment_score":0.010963915025486666},{"text":"Sorry.","start":953.97504,"end":954.29504,"sentiment":"neutral","sentiment_score":-0.10017827153205872}],"sentiment":"neutral","sentiment_score":0.04351544481303011,"num_words":70,"start":897.945,"end":954.29504},{"sentences":[{"text":"Won't be a second.","start":954.29504,"end":955.275,"sentiment":"neutral","sentiment_score":-0.09902454540133476},{"text":"Gotta love computers when they wanna work.","start":955.335,"end":957.41504,"sentiment":"neutral","sentiment_score":0.23996823174612864},{"text":"It's loading and thinking about it.","start":957.41504,"end":959.515,"sentiment":"neutral","sentiment_score":0.12498778601487477},{"text":"Oh, isn't it great?","start":964.76,"end":966.86,"sentiment":"neutral","sentiment_score":0.08527455665171146},{"text":"Yeah.","start":969.8,"end":970.27997,"sentiment":"neutral","sentiment_score":0.2462020218372345}],"sentiment":"neutral","sentiment_score":0.11913210932504047,"num_words":22,"start":954.29504,"end":970.27997},{"sentences":[{"text":"That's exactly right.","start":970.27997,"end":971.82,"sentiment":"positive","sentiment_score":0.38410426179567975},{"text":"Okay.","start":974.70496,"end":975.20496,"sentiment":"neutral","sentiment_score":0.27999430894851685},{"text":"So okay.","start":975.665,"end":979.82495,"sentiment":"neutral","sentiment_score":0.31082282960414886},{"text":"So with this sort of defensive portfolio that we have here for you there, Robin, the way it was sort of put together from what I can see here and I'll go back, obviously, and have a really good review of things again as I go back through and redo the research for you there.","start":979.82495,"end":999.3,"sentiment":"neutral","sentiment_score":0.2706697382710197},{"text":"But when we look at those higher risk kind of growth investments like Australian shares, international shares, a bit of property, and also some sort of, you know, gold and silver there, the way this was sort of structured was that you would see about 43.6%.","start":1000.0,"end":1016.02496,"sentiment":"neutral","sentiment_score":0.10246951432655686}],"sentiment":"neutral","sentiment_score":0.20237743941562197,"num_words":107,"start":970.27997,"end":1016.02496},{"sentences":[{"text":"So about 40 odd percent in those sorts of investments, and then the more defensive investments and lower risk, you are roughly about the same.","start":1016.81,"end":1024.97,"sentiment":"neutral","sentiment_score":0.17984245777130126},{"text":"So you're kind of in that fifty fifty split there.","start":1024.97,"end":1027.79,"sentiment":"neutral","sentiment_score":0.2633617401123047},{"text":"The idea is it's about getting some good growth and making your super work a bit harder in some areas, but then also trying to get, you know, lower risk and keep your super keep your capital there without seeing big market fluctuations, so big ups and downs.","start":1028.57,"end":1045.625,"sentiment":"neutral","sentiment_score":0.211431292972217},{"text":"Did you want me to sort of keep it that fifty fifty split, making sure that you're not, you know, taking on too much risk?","start":1046.49,"end":1053.9501,"sentiment":"neutral","sentiment_score":0.04820103347301483},{"text":"I can on yeah.","start":1054.73,"end":1056.51,"sentiment":"neutral","sentiment_score":0.11594291403889656}],"sentiment":"neutral","sentiment_score":0.16917123572368706,"num_words":112,"start":1016.81,"end":1056.51},{"sentences":[{"text":"Yeah.","start":1061.7051,"end":1062.025,"sentiment":"neutral","sentiment_score":0.24066928029060364},{"text":"It looks like you've kind of meant to have that sort of fifty fifty split in here anyway.","start":1062.025,"end":1066.605,"sentiment":"neutral","sentiment_score":0.1720977880888515},{"text":"Sort of 48 between 43, 45, then 48.","start":1066.905,"end":1071.645,"sentiment":"neutral","sentiment_score":0.0845989529043436},{"text":"It looks like you are meant to sort of have that fifty fifty split in these older portfolios with them being in that kind of defensive environment.","start":1072.78,"end":1079.6,"sentiment":"neutral","sentiment_score":0.14471032456667335},{"text":"With the ups and downs, the market is seeing probably a really good way to look at how you think about risk and how you should be invested is if you think about risk as a number between one and five.","start":1082.06,"end":1094.105,"sentiment":"neutral","sentiment_score":-0.03717592831065015}],"sentiment":"neutral","sentiment_score":0.06734933464934952,"num_words":95,"start":1061.7051,"end":1094.105},{"sentences":[{"text":"If you say five is most aggressive portfolio, a 100% invested in those high risk investments like shares, and one is being all fully in cash and not getting much of a return.","start":1094.5651,"end":1106.87,"sentiment":"neutral","sentiment_score":-0.02778836667086139},{"text":"Where do you think each of you might fit in between that?","start":1107.25,"end":1110.29,"sentiment":"neutral","sentiment_score":0.043077633095284305},{"text":"Do you think it'd be more on the one, two, three, or right up near five?","start":1110.29,"end":1114.53,"sentiment":"neutral","sentiment_score":0.031560407718643546},{"text":"Where do you think you'd feel?","start":1114.53,"end":1116.07,"sentiment":"neutral","sentiment_score":-0.000788667860130469},{"text":"The about a three?","start":1121.135,"end":1122.275,"sentiment":"neutral","sentiment_score":0.010183654492720962}],"sentiment":"neutral","sentiment_score":0.001984290581878642,"num_words":71,"start":1094.5651,"end":1122.275},{"sentences":[{"text":"Yep.","start":1122.335,"end":1122.835,"sentiment":"neutral","sentiment_score":0.054493945091962814},{"text":"Okay.","start":1127.055,"end":1127.555,"sentiment":"neutral","sentiment_score":0.06578022241592407},{"text":"How about yourself there, Frank?","start":1127.935,"end":1129.295,"sentiment":"neutral","sentiment_score":0.07853731215000152},{"text":"Where do you think you might fit?","start":1129.295,"end":1130.915,"sentiment":"neutral","sentiment_score":0.052793405417885096},{"text":"About a three?","start":1133.7101,"end":1134.51,"sentiment":"neutral","sentiment_score":0.036796340718865395}],"sentiment":"neutral","sentiment_score":0.058406093431746256,"num_words":17,"start":1122.335,"end":1134.51},{"sentences":[{"text":"Yep.","start":1134.51,"end":1135.01,"sentiment":"neutral","sentiment_score":0.2335759401321411},{"text":"Beautiful.","start":1135.0701,"end":1135.5701,"sentiment":"positive","sentiment_score":0.5569418668746948},{"text":"And, Frank, do you think you'll be wanting to start trying to maybe access some of your super before Robin does turn 67, or do you think you're gonna try and hold off a bit longer and see, you know, what the both of you being on age pension looks like?","start":1136.67,"end":1150.8251,"sentiment":"neutral","sentiment_score":0.028200704056550476},{"text":"Try and hold off a bit longer, sort of maybe living on the age pension fully and then just drawing down income as you need it.","start":1154.645,"end":1161.285,"sentiment":"neutral","sentiment_score":-0.053184906307321325},{"text":"Is that sort of how you see your super?","start":1161.285,"end":1163.22,"sentiment":"neutral","sentiment_score":0.0325861018564966}],"sentiment":"neutral","sentiment_score":0.012945693938738921,"num_words":88,"start":1134.51,"end":1163.22},{"sentences":[{"text":"Is that right?","start":1163.22,"end":1164.04,"sentiment":"neutral","sentiment_score":0.05605565756559372},{"text":"Yeah.","start":1166.9,"end":1167.3,"sentiment":"neutral","sentiment_score":0.04143894091248512},{"text":"Yep.","start":1167.3,"end":1167.62,"sentiment":"neutral","sentiment_score":0.04418229311704635},{"text":"That's okay.","start":1167.62,"end":1168.36,"sentiment":"neutral","sentiment_score":0.06176498904824257},{"text":"Yeah.","start":1173.9401,"end":1174.4401,"sentiment":"neutral","sentiment_score":0.01629699021577835}],"sentiment":"neutral","sentiment_score":0.049201896879822016,"num_words":8,"start":1163.22,"end":1174.4401},{"sentences":[{"text":"Yeah.","start":1174.755,"end":1175.255,"sentiment":"neutral","sentiment_score":0.02327008917927742},{"text":"When you do go on to age pension there, Robin, how much do you both need realistically to live on on, say, a weekly or fortnightly basis to for living expenses?","start":1175.475,"end":1186.1951,"sentiment":"neutral","sentiment_score":0.032955167815089226},{"text":"How much do you both need to earn together?","start":1186.1951,"end":1188.055,"sentiment":"neutral","sentiment_score":0.009553443640470505},{"text":"Okay.","start":1195.51,"end":1196.01,"sentiment":"neutral","sentiment_score":0.048167478293180466},{"text":"Yep.","start":1196.39,"end":1196.89,"sentiment":"neutral","sentiment_score":0.038911622017621994}],"sentiment":"neutral","sentiment_score":0.028324194988885592,"num_words":43,"start":1174.755,"end":1196.89},{"sentences":[{"text":"Okay.","start":1201.365,"end":1201.865,"sentiment":"neutral","sentiment_score":-0.04374929517507553},{"text":"Not quite.","start":1205.125,"end":1206.005,"sentiment":"neutral","sentiment_score":-0.20541463047266006},{"text":"No.","start":1206.005,"end":1206.485,"sentiment":"neutral","sentiment_score":-0.14318355917930603},{"text":"Do you think you'll need to when you do retire fully need to still earn $2,000 on a fortnightly basis together?","start":1206.485,"end":1213.545,"sentiment":"neutral","sentiment_score":-0.08471811793389775},{"text":"Or not sure?","start":1213.605,"end":1217.64,"sentiment":"neutral","sentiment_score":-0.09555320690075557}],"sentiment":"neutral","sentiment_score":-0.09512507902192217,"num_words":28,"start":1201.365,"end":1217.64},{"sentences":[{"text":"Did you want me to factor that in as the income that you do need to survive on?","start":1217.7799,"end":1222.44,"sentiment":"neutral","sentiment_score":-0.04695173187388314},{"text":"Yeah.","start":1225.94,"end":1226.44,"sentiment":"neutral","sentiment_score":-0.08047553896903992},{"text":"Yeah.","start":1234.355,"end":1234.855,"sentiment":"neutral","sentiment_score":-0.024794412776827812},{"text":"Yeah.","start":1239.8099,"end":1240.3099,"sentiment":"neutral","sentiment_score":-0.05687816068530083},{"text":"Do you think you might need a little bit more on a fortnightly basis to sort of help cover those things, or are you fairly comfortable that you should be right on $2,000 a fortnight to say a thousand dollars a week?","start":1241.49,"end":1252.07,"sentiment":"neutral","sentiment_score":-0.0787556359455699}],"sentiment":"neutral","sentiment_score":-0.06849231739484128,"num_words":63,"start":1217.7799,"end":1252.07},{"sentences":[{"text":"Not sure?","start":1259.215,"end":1259.775,"sentiment":"neutral","sentiment_score":-0.11305313557386398},{"text":"That's okay.","start":1259.775,"end":1260.6749,"sentiment":"neutral","sentiment_score":-0.018364127725362778},{"text":"Because if you like, what I could do with this advice piece for you, we'll look at, you know, you making sure we retain your supers, but maybe look at the investments within that to make sure that you're in a certain risk profile that's comfortable for you, that the returns, you know, are working.","start":1260.735,"end":1274.71,"sentiment":"neutral","sentiment_score":0.03935555099424991},{"text":"But then I can also factor in based on the current because, obviously, age pension does increase in Ulta and is indexed every year twice a year.","start":1275.25,"end":1284.295,"sentiment":"neutral","sentiment_score":0.032065611651719166},{"text":"So we are working on the current scenario, but I could then obviously project out to when you're 67, look at how much you might be entitled to age pension together.","start":1284.3551,"end":1294.4551,"sentiment":"neutral","sentiment_score":0.02849304447731664}],"sentiment":"neutral","sentiment_score":0.031203219414346367,"num_words":117,"start":1259.215,"end":1294.4551},{"sentences":[{"text":"It should basically be on full age pension given your current assets there.","start":1294.915,"end":1299.15,"sentiment":"neutral","sentiment_score":0.044467876450373575},{"text":"But then look at what you might need to draw down to supplement that from super and how long that might last you.","start":1299.15,"end":1305.71,"sentiment":"neutral","sentiment_score":0.013477823332599972},{"text":"Did you want me to factor that into the advice and maybe do it a little bit bigger for you both?","start":1305.71,"end":1310.69,"sentiment":"neutral","sentiment_score":0.025170249864459038},{"text":"Yeah.","start":1312.925,"end":1313.3251,"sentiment":"neutral","sentiment_score":0.2419266253709793},{"text":"That's okay.","start":1313.3251,"end":1314.045,"sentiment":"neutral","sentiment_score":0.30929629504680634}],"sentiment":"neutral","sentiment_score":0.03795277988538146,"num_words":60,"start":1294.915,"end":1314.045},{"sentences":[{"text":"Just give you a bit of an idea of where things are tracking, what it might look like.","start":1314.045,"end":1318.4651,"sentiment":"neutral","sentiment_score":0.1582594650487105},{"text":"And then as we get closer and closer to that point, we can always update the advice.","start":1318.765,"end":1324.785,"sentiment":"neutral","sentiment_score":0.13896839846582973},{"text":"And if we, you know, if age pension increases a little bit more, it means you could draw a little bit less out of super to sort of survive.","start":1325.09,"end":1332.23,"sentiment":"neutral","sentiment_score":0.039465637427979504},{"text":"And that can give you a little bit more longevity as well.","start":1333.01,"end":1335.73,"sentiment":"neutral","sentiment_score":0.17174519039690495},{"text":"Does that make sense?","start":1335.73,"end":1336.61,"sentiment":"neutral","sentiment_score":0.09542300179600716}],"sentiment":"neutral","sentiment_score":0.10997838652692735,"num_words":80,"start":1314.045,"end":1336.61},{"sentences":[{"text":"Does that sound okay?","start":1336.61,"end":1337.67,"sentiment":"neutral","sentiment_score":0.10270478762686253},{"text":"Yep.","start":1339.475,"end":1339.975,"sentiment":"neutral","sentiment_score":0.18551957607269287},{"text":"Beautiful.","start":1340.195,"end":1340.695,"sentiment":"positive","sentiment_score":0.6202398538589478},{"text":"Lovely.","start":1343.635,"end":1344.135,"sentiment":"positive","sentiment_score":0.5845497846603394},{"text":"Now another really good question to kinda go through when we are looking at the portfolios, one of the biggest ones I do like to think about and ask is if you saw the market fall.","start":1345.1549,"end":1354.62,"sentiment":"neutral","sentiment_score":0.04493501865201526}],"sentiment":"neutral","sentiment_score":0.07950672178074371,"num_words":43,"start":1336.61,"end":1354.62},{"sentences":[{"text":"So you've obviously heard on the news what's been happening with the markets over the past, you know, couple of months there with The US and the Iran war and everything else.","start":1354.62,"end":1363.8401,"sentiment":"neutral","sentiment_score":0.002573720965301618},{"text":"If you saw your super balances fall by 20% because of, say, big market changes.","start":1364.14,"end":1369.875,"sentiment":"neutral","sentiment_score":-0.009997414300839107},{"text":"How do you think that is making you feel?","start":1369.875,"end":1371.975,"sentiment":"neutral","sentiment_score":0.13378901117377812},{"text":"Are you feeling optimistic about the investment opportunity?","start":1372.275,"end":1375.175,"sentiment":"neutral","sentiment_score":0.30143576860427856},{"text":"Are you feeling cautious, concerned, or extremely anxious?","start":1375.3151,"end":1378.215,"sentiment":"neutral","sentiment_score":-0.1110584819689393}],"sentiment":"neutral","sentiment_score":0.03693773958366364,"num_words":72,"start":1354.62,"end":1378.215},{"sentences":[{"text":"Never have anything good to say.","start":1388.6901,"end":1390.39,"sentiment":"negative","sentiment_score":-0.3773645559946696},{"text":"Oh, no.","start":1394.785,"end":1395.345,"sentiment":"neutral","sentiment_score":-0.13706009835004807},{"text":"Look.","start":1395.345,"end":1395.745,"sentiment":"neutral","sentiment_score":-0.1253402829170227},{"text":"In all honesty, I don't listen to the news a great deal either.","start":1395.745,"end":1398.865,"sentiment":"neutral","sentiment_score":-0.24001178718530214},{"text":"I read what comes out, but I don't just watch the news every night at 06:00 because it is just awful.","start":1398.865,"end":1404.7051,"sentiment":"neutral","sentiment_score":-0.25692095288208555}],"sentiment":"neutral","sentiment_score":-0.25998002463995024,"num_words":43,"start":1388.6901,"end":1404.7051},{"sentences":[{"text":"It's horrible.","start":1404.7051,"end":1405.4451,"sentiment":"negative","sentiment_score":-0.4114438444375992},{"text":"It's not fun to you know, nothing ever good happens.","start":1405.505,"end":1408.645,"sentiment":"negative","sentiment_score":-0.35060453712940215},{"text":"But I kinda just read the news that comes out from, you know, the economists and the areas that we look at at work.","start":1409.42,"end":1415.34,"sentiment":"neutral","sentiment_score":-0.023595186416059732},{"text":"So I can keep up to date in other ways.","start":1415.34,"end":1417.92,"sentiment":"neutral","sentiment_score":-0.015121434628963471},{"text":"Alright.","start":1421.275,"end":1421.775,"sentiment":"neutral","sentiment_score":0.09413911402225494}],"sentiment":"neutral","sentiment_score":-0.10536793120046879,"num_words":47,"start":1404.7051,"end":1421.775},{"sentences":[{"text":"All good.","start":1421.835,"end":1422.575,"sentiment":"neutral","sentiment_score":0.18992740660905838},{"text":"So, realistically, do you think you'd be more towards that sort of anxious concern sort of area?","start":1423.035,"end":1428.735,"sentiment":"neutral","sentiment_score":-0.07056964835261598},{"text":"Am I right on the right track there?","start":1429.195,"end":1431.055,"sentiment":"neutral","sentiment_score":-0.054353530053049326},{"text":"No.","start":1436.49,"end":1436.73,"sentiment":"neutral","sentiment_score":-0.0935923308134079},{"text":"No.","start":1436.73,"end":1437.05,"sentiment":"neutral","sentiment_score":-0.07832980155944824}],"sentiment":"neutral","sentiment_score":-0.049192399364607085,"num_words":29,"start":1421.835,"end":1437.05},{"sentences":[{"text":"Of course.","start":1437.05,"end":1437.61,"sentiment":"neutral","sentiment_score":-0.04897658713161945},{"text":"Definitely.","start":1437.61,"end":1438.11,"sentiment":"neutral","sentiment_score":-0.007631456013768911},{"text":"Yeah.","start":1440.97,"end":1441.47,"sentiment":"neutral","sentiment_score":-0.02275136113166809},{"text":"I'll tick off the anxious button there.","start":1441.85,"end":1443.6901,"sentiment":"neutral","sentiment_score":-0.04500759871942656},{"text":"That would make you feel pretty anxious, you reckon?","start":1443.6901,"end":1446.03,"sentiment":"neutral","sentiment_score":-0.1315962490108278}],"sentiment":"neutral","sentiment_score":-0.0813877711771056,"num_words":20,"start":1437.05,"end":1446.03},{"sentences":[{"text":"Yeah.","start":1447.9049,"end":1448.1449,"sentiment":"neutral","sentiment_score":-0.003141213208436966},{"text":"That's okay.","start":1448.1449,"end":1449.125,"sentiment":"neutral","sentiment_score":0.047431036829948425},{"text":"Absolutely.","start":1449.1849,"end":1449.6849,"sentiment":"neutral","sentiment_score":0.05732405185699463},{"text":"And if it did happen to fall by 20%, obviously, don't want it to happen that way.","start":1450.3049,"end":1454.225,"sentiment":"neutral","sentiment_score":-0.09969203360378742},{"text":"But if it did, do you think you'd be calling us funny at what's going on?","start":1454.225,"end":1459.505,"sentiment":"neutral","sentiment_score":-0.11240947945043445}],"sentiment":"neutral","sentiment_score":-0.09038571162602387,"num_words":37,"start":1447.9049,"end":1459.505},{"sentences":[{"text":"Are you wanting to maybe move money into cash?","start":1459.505,"end":1461.84,"sentiment":"neutral","sentiment_score":-0.07312370050284597},{"text":"How do you think you might react in those circumstance?","start":1461.84,"end":1464.1799,"sentiment":"neutral","sentiment_score":-0.08967153988778591},{"text":"Yep.","start":1474.335,"end":1474.735,"sentiment":"neutral","sentiment_score":-0.022672487422823902},{"text":"Yep.","start":1474.735,"end":1475.235,"sentiment":"neutral","sentiment_score":-0.02484273537993431},{"text":"Be a bit worried going, hey.","start":1475.375,"end":1476.575,"sentiment":"neutral","sentiment_score":-0.18124004701773325}],"sentiment":"neutral","sentiment_score":-0.09962163734491225,"num_words":27,"start":1459.505,"end":1476.575},{"sentences":[{"text":"What happened to my stupid?","start":1476.575,"end":1477.695,"sentiment":"neutral","sentiment_score":-0.2897245526313782},{"text":"How do I fix this?","start":1477.695,"end":1478.575,"sentiment":"neutral","sentiment_score":-0.2533006012439728},{"text":"What's going on?","start":1478.575,"end":1479.635,"sentiment":"neutral","sentiment_score":-0.11818497876326244},{"text":"No.","start":1482.655,"end":1482.975,"sentiment":"neutral","sentiment_score":0.026682335883378983},{"text":"Excellent.","start":1482.975,"end":1483.475,"sentiment":"neutral","sentiment_score":0.2781161069869995}],"sentiment":"neutral","sentiment_score":-0.1843254841864109,"num_words":15,"start":1476.575,"end":1483.475},{"sentences":[{"text":"That's a really good answer.","start":1483.535,"end":1484.735,"sentiment":"positive","sentiment_score":0.39490960240364076},{"text":"Beautiful.","start":1484.735,"end":1485.235,"sentiment":"neutral","sentiment_score":0.23020558059215543},{"text":"And when we think about average returns of what you're sort of hoping to try and obtain from your super over the longer term, are you trying to aim for the highest returns you can knowing that you need to take a bit more risk to get better returns, or do you consider yourself happy with, say, a two, four, or a 6% return on a regular bay on a yearly basis to keep your super working as long as possible?","start":1485.9501,"end":1509.2351,"sentiment":"neutral","sentiment_score":0.07279469376360928},{"text":"Yep.","start":1522.0299,"end":1522.35,"sentiment":"neutral","sentiment_score":0.14116935431957245},{"text":"Yep.","start":1522.35,"end":1522.83,"sentiment":"neutral","sentiment_score":0.13424840569496155}],"sentiment":"neutral","sentiment_score":0.09411844435367692,"num_words":89,"start":1483.535,"end":1522.83},{"sentences":[{"text":"No.","start":1522.83,"end":1523.07,"sentiment":"neutral","sentiment_score":0.13048946857452393},{"text":"That's okay.","start":1523.07,"end":1523.71,"sentiment":"neutral","sentiment_score":0.25106771290302277},{"text":"That's not a problem at all.","start":1523.71,"end":1525.4099,"sentiment":"positive","sentiment_score":0.3854058434565862},{"text":"So the way you've both sort of scored and you have scored very much the same area, it is a bit different to where you scored in August, and it's a good thing we went through this again because you've scored as more of a conservative defensive investor, which is when we look at those those risky assets, this sort of portfolio would normally see about 25 to 35% in those growth assets.","start":1525.835,"end":1548.57,"sentiment":"neutral","sentiment_score":0.31964612231679157},{"text":"They're very much a a change, reducing those growth assets down.","start":1548.57,"end":1553.0499,"sentiment":"neutral","sentiment_score":0.13239132274280896}],"sentiment":"neutral","sentiment_score":0.29823152080018034,"num_words":93,"start":1522.83,"end":1553.0499},{"sentences":[{"text":"That's Australian shares, international shares, property, and, you know, precious metals like gold and silver.","start":1553.0499,"end":1559.585,"sentiment":"neutral","sentiment_score":0.13873241742451986},{"text":"And then the defensive lower risk investments like cash, bonds, and fixed interest, you generally would see about 65 to 75.","start":1560.0449,"end":1567.485,"sentiment":"neutral","sentiment_score":0.07708858326077461},{"text":"So it's very much a a change from where you would be when you're wanting to take on a bit more risk there.","start":1567.485,"end":1573.08,"sentiment":"neutral","sentiment_score":0.019868809851291386},{"text":"This sort of portfolio normally suits someone who has about three years that are wanting to access a super now or within the next sort of three years.","start":1574.34,"end":1582.44,"sentiment":"neutral","sentiment_score":0.08342232688197068},{"text":"The likelihood of a negative return is about one in seven years, so very much low risk.","start":1582.855,"end":1587.995,"sentiment":"neutral","sentiment_score":-0.16221118148635416}],"sentiment":"neutral","sentiment_score":0.035914078883181974,"num_words":104,"start":1553.0499,"end":1587.995},{"sentences":[{"text":"And the expected returns we'd be hoping for on a regular base, on a yearly basis, is around about sort of, you know, two to 5%.","start":1588.615,"end":1596.45,"sentiment":"neutral","sentiment_score":0.11244472488760948},{"text":"Do you feel like that is sort of comfortable for yourself?","start":1596.51,"end":1599.5499,"sentiment":"neutral","sentiment_score":0.10812381384047595},{"text":"Do you feel like you wanna bring things down to that level?","start":1599.5499,"end":1602.2899,"sentiment":"neutral","sentiment_score":0.0061095816393693285},{"text":"You're right.","start":1606.9249,"end":1607.565,"sentiment":"neutral","sentiment_score":0.0076627712696790695},{"text":"So at the moment, you're kind of in that fifty fifty sort of split with those growth and defensive investments.","start":1607.565,"end":1614.465,"sentiment":"neutral","sentiment_score":0.020522739086300135}],"sentiment":"neutral","sentiment_score":0.0649580296233926,"num_words":71,"start":1588.615,"end":1614.465},{"sentences":[{"text":"You can if you like.","start":1624.86,"end":1625.9,"sentiment":"neutral","sentiment_score":0.057806721329689024},{"text":"Did you want me to do that sort of fifty fifty split?","start":1625.9,"end":1628.38,"sentiment":"neutral","sentiment_score":0.04184278752654791},{"text":"I can look at the investments, look at how to make them, show you what that looks like, and then we can always review that and alter it again in a few months or a year's time if you decide you're not comfortable with that level.","start":1628.38,"end":1639.835,"sentiment":"neutral","sentiment_score":0.046467365575549396},{"text":"It's the more you wanna keep.","start":1654.07,"end":1657.37,"sentiment":"negative","sentiment_score":-0.45951804518699646},{"text":"Yeah.","start":1658.405,"end":1658.885,"sentiment":"neutral","sentiment_score":-0.1581994891166687}],"sentiment":"neutral","sentiment_score":0.00019054447433778217,"num_words":70,"start":1624.86,"end":1658.885},{"sentences":[{"text":"Yeah.","start":1658.885,"end":1659.125,"sentiment":"neutral","sentiment_score":-0.16192331910133362},{"text":"It's kind of that juggling act.","start":1659.125,"end":1660.405,"sentiment":"neutral","sentiment_score":-0.14388583227992058},{"text":"You don't wanna take on too much risk, but you still want your super to keep growing a little bit too.","start":1660.405,"end":1664.8049,"sentiment":"neutral","sentiment_score":-0.11555170090425582},{"text":"You wanna make it last as long as it possibly can.","start":1664.8049,"end":1667.285,"sentiment":"neutral","sentiment_score":0.04859660023992712},{"text":"Absolutely.","start":1667.285,"end":1667.785,"sentiment":"positive","sentiment_score":0.3821846842765808}],"sentiment":"neutral","sentiment_score":-0.06337691862136126,"num_words":40,"start":1658.885,"end":1667.785},{"sentences":[{"text":"Well, I'll tell you what I would probably look at doing because, realistically, you don't wanna access the money now unless you realistically have to.","start":1668.325,"end":1675.5299,"sentiment":"neutral","sentiment_score":0.03774086445569992},{"text":"At the moment, given the current age pension, you would have to probably start drawing down some out of super, but we can draw maybe a smaller amount out of each of your super accounts.","start":1675.75,"end":1686.97,"sentiment":"neutral","sentiment_score":0.06353175661393574},{"text":"That way, you get a bit more longevity out of both of them.","start":1687.11,"end":1690.725,"sentiment":"neutral","sentiment_score":0.3270200089766429},{"text":"So I can, just if you want, look at doing a portfolio that gives you that fifty fifty split that gives you 50% growth investment, 50% defensive.","start":1690.725,"end":1700.245,"sentiment":"neutral","sentiment_score":0.2782046176769115},{"text":"So you are very much lowering the risk level and keeping, you know, some growth, some low risk investments there.","start":1700.245,"end":1706.76,"sentiment":"neutral","sentiment_score":0.3179254747927189}],"sentiment":"neutral","sentiment_score":0.17740356152256329,"num_words":120,"start":1668.325,"end":1706.76},{"sentences":[{"text":"Look at rejigging the portfolio to see what that looks like, how that affects you.","start":1707.38,"end":1711.86,"sentiment":"neutral","sentiment_score":0.17015168964862823},{"text":"I can show you the advice documents that shows you what we're recommending you invest in, the risk level, the cost of doing so, and the future projections on how this affects your super long term.","start":1711.86,"end":1724.2849,"sentiment":"neutral","sentiment_score":0.20947548415925768},{"text":"And then look at how we would draw down how long your super is expected to last given age pension circumstances when you hit 67, Robin.","start":1724.825,"end":1733.35,"sentiment":"neutral","sentiment_score":0.12227374630478713},{"text":"Does that sound okay?","start":1733.35,"end":1734.49,"sentiment":"neutral","sentiment_score":0.11699309945106506},{"text":"Yep.","start":1736.71,"end":1737.21,"sentiment":"neutral","sentiment_score":0.015047933906316755}],"sentiment":"neutral","sentiment_score":0.16775037207436272,"num_words":82,"start":1707.38,"end":1737.21},{"sentences":[{"text":"Sure.","start":1738.23,"end":1738.73,"sentiment":"neutral","sentiment_score":0.01640327274799347},{"text":"With portfolio wise?","start":1746.085,"end":1747.865,"sentiment":"neutral","sentiment_score":-0.019855907807747524},{"text":"Yeah.","start":1749.925,"end":1750.325,"sentiment":"neutral","sentiment_score":-0.07544789463281631},{"text":"It's very much not so much a stock standard.","start":1750.325,"end":1753.045,"sentiment":"neutral","sentiment_score":-0.27107176184654236},{"text":"It's very much a very an individual choice, But a lot of people going into sort of that retirement aspect, I do have some people who are comfortable in that balance sort of fifty fifty area.","start":1753.045,"end":1765.67,"sentiment":"positive","sentiment_score":0.3731715873711639}],"sentiment":"neutral","sentiment_score":0.21751837886869907,"num_words":50,"start":1738.23,"end":1765.67},{"sentences":[{"text":"There's nothing wrong with that in any way, shape, or form.","start":1765.67,"end":1768.97,"sentiment":"positive","sentiment_score":0.4264098107814789},{"text":"It generally still can suit, you know, someone who's got about three years to accessing a super.","start":1770.685,"end":1775.405,"sentiment":"positive","sentiment_score":0.4914201375316171},{"text":"You can go into retirement in that sort of area.","start":1775.405,"end":1777.9651,"sentiment":"positive","sentiment_score":0.4505193442106247},{"text":"There's nothing wrong with it.","start":1777.9651,"end":1779.505,"sentiment":"neutral","sentiment_score":0.3174647927284241},{"text":"If we look at more of a balanced portfolio, which is more of a sixty thirty split, you'd be expecting or averaging returns of hopefully about five to 7% on a yearly basis.","start":1780.125,"end":1792.03,"sentiment":"neutral","sentiment_score":0.17543321588274205}],"sentiment":"neutral","sentiment_score":0.32797978666463967,"num_words":76,"start":1765.67,"end":1792.03},{"sentences":[{"text":"And you still have a negative return, the likelihood of a negative return, one in every seven years.","start":1792.3301,"end":1796.89,"sentiment":"negative","sentiment_score":-0.42580149322748184},{"text":"So it is still lowering the risk level, still expecting good return, but just not taking a huge amount of risk at the same time.","start":1796.89,"end":1805.6349,"sentiment":"neutral","sentiment_score":-0.13526990205049516},{"text":"Does that make sense?","start":1805.6349,"end":1806.7749,"sentiment":"neutral","sentiment_score":0.06563379149883986},{"text":"Yeah.","start":1809.075,"end":1809.575,"sentiment":"neutral","sentiment_score":0.01940980926156044},{"text":"No.","start":1815.5299,"end":1815.69,"sentiment":"neutral","sentiment_score":-0.1410411149263382}],"sentiment":"neutral","sentiment_score":-0.22255654222503,"num_words":49,"start":1792.3301,"end":1815.69},{"sentences":[{"text":"The fifty fifty is definitely less.","start":1815.69,"end":1818.11,"sentiment":"neutral","sentiment_score":-0.048891596496105194},{"text":"The 70 30 is taking more risk.","start":1818.1699,"end":1820.57,"sentiment":"neutral","sentiment_score":0.08293685210602623},{"text":"That's 70% growth investment, 30% defensive.","start":1820.57,"end":1824.645,"sentiment":"neutral","sentiment_score":0.10543176283439},{"text":"The other first one we went through, which is the defensive portfolio, which is sort of 30% growth, 70% defensive, that one is the lowest kind of risk that you do get.","start":1826.0651,"end":1836.15,"sentiment":"neutral","sentiment_score":0.07574836269486696},{"text":"But you're also taking a less returns in that kind of area.","start":1836.39,"end":1839.4501,"sentiment":"neutral","sentiment_score":-0.13580298982560635}],"sentiment":"neutral","sentiment_score":0.027208106207942204,"num_words":63,"start":1815.69,"end":1839.4501},{"sentences":[{"text":"Yeah.","start":1844.23,"end":1844.73,"sentiment":"neutral","sentiment_score":0.22670279443264008},{"text":"It's kind of in between the two lower profiles there.","start":1844.87,"end":1848.405,"sentiment":"neutral","sentiment_score":0.15838085412979125},{"text":"And I can look at building a portfolio for you that is going to give you that fifty fifty split.","start":1848.645,"end":1854.645,"sentiment":"positive","sentiment_score":0.34570636302232743},{"text":"We can incorporate maybe some commodities like gold and silver, which work both ways for you.","start":1854.645,"end":1860.485,"sentiment":"neutral","sentiment_score":0.3255391074344516},{"text":"So most people like gold.","start":1860.485,"end":1862.35,"sentiment":"positive","sentiment_score":0.37723791003227236}],"sentiment":"neutral","sentiment_score":0.3042202666401863,"num_words":52,"start":1844.23,"end":1862.35},{"sentences":[{"text":"Gold's been up, you know, really well over the past couple of years.","start":1862.35,"end":1866.05,"sentiment":"positive","sentiment_score":0.5436335343580979},{"text":"We can also yeah.","start":1866.99,"end":1868.9299,"sentiment":"positive","sentiment_score":0.4049942344427109},{"text":"I've been up very, very, very high.","start":1869.63,"end":1871.8099,"sentiment":"positive","sentiment_score":0.5818256139755249},{"text":"And it works it's a growth investment, so it does get really good growth, but it also can be defensive in nature.","start":1872.67,"end":1879.545,"sentiment":"positive","sentiment_score":0.4945015392520211},{"text":"Because when you kinda think back to the GFC or COVID, people move money into gold as a bit of a safe haven.","start":1879.545,"end":1886.285,"sentiment":"positive","sentiment_score":0.3333581437397262}],"sentiment":"positive","sentiment_score":0.45371396162047767,"num_words":69,"start":1862.35,"end":1886.285},{"sentences":[{"text":"So I can include some gold, maybe some silver, and look at adding some commodities in there for you as well to see if that kinda helps.","start":1886.3451,"end":1894.4,"sentiment":"neutral","sentiment_score":0.16174123601781},{"text":"Yeah.","start":1896.22,"end":1896.72,"sentiment":"neutral","sentiment_score":0.07937951385974884},{"text":"And if we kind of look at this fifty fifty split to start with, if you decide in six months' time that it's not working, we can go back to the drawing board, and we can change the portfolio and reduce the risk even more.","start":1896.78,"end":1909.935,"sentiment":"neutral","sentiment_score":0.03802864944769276},{"text":"Does that sound comfortable for you both, or do you have further questions?","start":1909.935,"end":1913.555,"sentiment":"neutral","sentiment_score":0.07460265635297848},{"text":"Or that sounds okay.","start":1913.615,"end":1917.89,"sentiment":"neutral","sentiment_score":0.3132346021011472}],"sentiment":"neutral","sentiment_score":0.0931161672497789,"num_words":90,"start":1886.3451,"end":1917.89},{"sentences":[{"text":"Yeah.","start":1917.9501,"end":1918.1901,"sentiment":"neutral","sentiment_score":0.10117657482624054},{"text":"It's a little bit difficult because not everyone knows what they're comfortable with, and sometimes it's a matter of just, you know, going, yep.","start":1918.1901,"end":1924.8301,"sentiment":"neutral","sentiment_score":-0.12788935657590628},{"text":"Let's give this a try.","start":1924.8301,"end":1926.11,"sentiment":"neutral","sentiment_score":-0.04625700563192368},{"text":"If it doesn't if we're not comfortable with that, then we just alter and rejig it again for you.","start":1926.11,"end":1931.17,"sentiment":"neutral","sentiment_score":-0.1075473447379313},{"text":"Yeah.","start":1935.175,"end":1935.675,"sentiment":"neutral","sentiment_score":-0.012997366487979887}],"sentiment":"neutral","sentiment_score":-0.10511699855327607,"num_words":50,"start":1917.9501,"end":1935.675},{"sentences":[{"text":"That yeah.","start":1937.095,"end":1938.695,"sentiment":"neutral","sentiment_score":0.06536676734685898},{"text":"That's okay.","start":1938.695,"end":1939.415,"sentiment":"neutral","sentiment_score":0.20023874938488007},{"text":"Well, what I can do is I'll go back and I'll put together a portfolio for you with that kind of $50.50 split.","start":1939.415,"end":1945.355,"sentiment":"neutral","sentiment_score":0.2008719625680343},{"text":"I will show you the advice document.","start":1946.29,"end":1948.47,"sentiment":"neutral","sentiment_score":0.20208860295159475},{"text":"You'll see the investment, how much should be invested, and what this looks like in front of you in the advice document.","start":1948.61,"end":1954.77,"sentiment":"neutral","sentiment_score":0.2057320482351563}],"sentiment":"neutral","sentiment_score":0.19807127597076551,"num_words":56,"start":1937.095,"end":1954.77},{"sentences":[{"text":"So it'll be a little bit easier just to be able to look at that, you know, and go through the advice and read that.","start":1954.77,"end":1961.385,"sentiment":"neutral","sentiment_score":0.19598583936691283},{"text":"Does that sound okay?","start":1961.385,"end":1962.605,"sentiment":"neutral","sentiment_score":0.15357457473874092},{"text":"Yeah.","start":1964.345,"end":1964.6649,"sentiment":"neutral","sentiment_score":0.2707858681678772},{"text":"That's okay.","start":1964.6649,"end":1965.565,"sentiment":"positive","sentiment_score":0.41925758123397827},{"text":"Beautiful.","start":1967.385,"end":1967.865,"sentiment":"positive","sentiment_score":0.5882284641265869}],"sentiment":"neutral","sentiment_score":0.2185295084209153,"num_words":33,"start":1954.77,"end":1967.865},{"sentences":[{"text":"So I'll go back and do a bit more research on your portfolios, have a look at where we are, and we'll look at doing something with that 50% growth, 50% defensive.","start":1967.865,"end":1975.4049,"sentiment":"neutral","sentiment_score":0.21617788262665272},{"text":"Oh, your super funds aren't doing too bad, but I will just go back and review those for you.","start":1976.58,"end":1980.74,"sentiment":"neutral","sentiment_score":0.22540166660359032},{"text":"And then we're looking forward to there, Robin, when you turn 67 based on the current pension rates because I can't predict what they're gonna increase to then, and also look at how much super you may need to draw out.","start":1980.74,"end":1994.755,"sentiment":"neutral","sentiment_score":0.16116541278798405},{"text":"I can look at both of your supers and work out how we draw that money out and how long that might last and show you what that looks like.","start":1994.755,"end":2001.81,"sentiment":"neutral","sentiment_score":0.18504142525295417},{"text":"Are you both comfortable with that, or have I missed anything?","start":2002.05,"end":2004.77,"sentiment":"neutral","sentiment_score":0.04197659343481064}],"sentiment":"neutral","sentiment_score":0.17910594826466159,"num_words":133,"start":1967.865,"end":2004.77},{"sentences":[{"text":"Is there anything else you wanted me to sort of incorporate for you?","start":2004.77,"end":2007.9901,"sentiment":"neutral","sentiment_score":0.06481729361873406},{"text":"That sounds okay?","start":2010.3701,"end":2011.5901,"sentiment":"positive","sentiment_score":0.5035246213277181},{"text":"Beautiful.","start":2011.81,"end":2012.31,"sentiment":"positive","sentiment_score":0.7880780696868896},{"text":"Lovely.","start":2014.405,"end":2014.885,"sentiment":"positive","sentiment_score":0.7596124410629272},{"text":"Now, Robin, I can also see here you have made some extra contributions to Super, which is great.","start":2014.885,"end":2020.985,"sentiment":"positive","sentiment_score":0.49088384707768756}],"sentiment":"positive","sentiment_score":0.35379995664374697,"num_words":36,"start":2004.77,"end":2020.985},{"sentences":[{"text":"I know you spoke to my colleague.","start":2022.485,"end":2024.265,"sentiment":"neutral","sentiment_score":-0.001840831312750067},{"text":"That's okay.","start":2024.645,"end":2025.365,"sentiment":"neutral","sentiment_score":0.09272468462586403},{"text":"A thousand dollars is still a thousand dollars.","start":2025.365,"end":2027.705,"sentiment":"neutral","sentiment_score":0.00032790936529636383},{"text":"That's quite a lot of money when you think about it.","start":2028.0499,"end":2029.8099,"sentiment":"neutral","sentiment_score":-0.036724768579006195},{"text":"It's like a week's worth of income.","start":2029.8099,"end":2031.35,"sentiment":"neutral","sentiment_score":0.015453189445127333}],"sentiment":"neutral","sentiment_score":-0.0034460943790950945,"num_words":35,"start":2022.485,"end":2031.35},{"sentences":[{"text":"Yeah.","start":2035.1699,"end":2035.6699,"sentiment":"neutral","sentiment_score":0.034596994519233704},{"text":"So with that at the moment, because it has been made put into the super fund as a nonconcessional contribution, that essentially means that, like, when your employer contributions go in their concessional, so taxes taken out of that contribution when it hits the fund.","start":2036.53,"end":2053.365,"sentiment":"neutral","sentiment_score":0.03341146036982536},{"text":"With the money you've been putting in, which I believe is about $20 per week.","start":2053.8398,"end":2057.76,"sentiment":"neutral","sentiment_score":0.03307554523150126},{"text":"Is that right?","start":2057.76,"end":2058.66,"sentiment":"neutral","sentiment_score":0.038937622060378395},{"text":"Yeah.","start":2060.16,"end":2060.48,"sentiment":"neutral","sentiment_score":0.062194205820560455}],"sentiment":"neutral","sentiment_score":0.034050045563624454,"num_words":65,"start":2035.1699,"end":2060.48},{"sentences":[{"text":"So that money goes in there from your after tax income, which means a 100% of that money is invested into the market.","start":2060.48,"end":2067.8599,"sentiment":"neutral","sentiment_score":0.08912454027196635},{"text":"You can choose to claim it as a tax deduction.","start":2069.0151,"end":2072.0552,"sentiment":"neutral","sentiment_score":0.1277738831937313},{"text":"So I know Samantha spoke to you about claiming a notice of intent.","start":2072.0552,"end":2077.5752,"sentiment":"neutral","sentiment_score":0.05541207268834114},{"text":"So if you wanted to, with that thousand dollars that you have put in there, and you've probably got another two contributions to go in, so it'll be a little bit more than that by the end of the financial year.","start":2077.5752,"end":2087.94,"sentiment":"neutral","sentiment_score":0.06711056183387594},{"text":"But what we can do is after the July 1, is we can claim what's called a notice of intent to claim against that money.","start":2087.94,"end":2095.4,"sentiment":"neutral","sentiment_score":0.05583034947514534}],"sentiment":"neutral","sentiment_score":0.07317189263579037,"num_words":112,"start":2060.48,"end":2095.4},{"sentences":[{"text":"That essentially tells the Superfund that you're gonna claim that thousand dollars as a tax deduction, and they would take tax out of that money.","start":2096.125,"end":2104.705,"sentiment":"neutral","sentiment_score":0.07447978600859642},{"text":"And then once that tax is being taken out, that thousand dollars, you can tell your accountant you've contributed to super, and they can add that $1,000 to your tax return to give you a tax deduction.","start":2105.0852,"end":2116.69,"sentiment":"neutral","sentiment_score":0.11834874668636837},{"text":"Does that make sense?","start":2116.75,"end":2117.81,"sentiment":"neutral","sentiment_score":0.09974761120975018},{"text":"It gen when you're working, it generally can be.","start":2121.885,"end":2125.0852,"sentiment":"neutral","sentiment_score":0.08384610795312458},{"text":"What's your do you know roughly what your income is for this year at the moment?","start":2125.0852,"end":2129.5852,"sentiment":"neutral","sentiment_score":0.012259801267646253}],"sentiment":"neutral","sentiment_score":0.08341385180560443,"num_words":91,"start":2096.125,"end":2129.5852},{"sentences":[{"text":"Okay.","start":2139.74,"end":2140.24,"sentiment":"neutral","sentiment_score":0.021968510001897812},{"text":"Do you have do you know what your gross is before that 500?","start":2142.54,"end":2147.2,"sentiment":"neutral","sentiment_score":0.006994561435511479},{"text":"Okay.","start":2158.885,"end":2159.385,"sentiment":"neutral","sentiment_score":0.13173162937164307},{"text":"So we'll just pop the $30 on there.","start":2160.5,"end":2162.92,"sentiment":"neutral","sentiment_score":0.16806965414434671},{"text":"Yeah.","start":2164.58,"end":2164.98,"sentiment":"neutral","sentiment_score":0.2175566852092743}],"sentiment":"neutral","sentiment_score":0.07528097318330158,"num_words":24,"start":2139.74,"end":2164.98},{"sentences":[{"text":"That's okay.","start":2164.98,"end":2165.6199,"sentiment":"positive","sentiment_score":0.38009874522686005},{"text":"That sounds about right.","start":2165.6199,"end":2166.92,"sentiment":"positive","sentiment_score":0.34921441227197647},{"text":"So it says $5.70 gross, and that's on a weekly basis.","start":2166.98,"end":2170.5999,"sentiment":"neutral","sentiment_score":0.16831999204375528},{"text":"Yeah.","start":2172.5151,"end":2172.995,"sentiment":"neutral","sentiment_score":0.1399269700050354},{"text":"So just to yeah.","start":2172.995,"end":2174.5952,"sentiment":"neutral","sentiment_score":0.09076063334941864}],"sentiment":"neutral","sentiment_score":0.205070207064802,"num_words":22,"start":2164.98,"end":2174.5952},{"sentences":[{"text":"That's that's okay.","start":2174.5952,"end":2176.5352,"sentiment":"neutral","sentiment_score":0.26635632912317914},{"text":"Let's have a look.","start":2176.915,"end":2177.8152,"sentiment":"neutral","sentiment_score":0.09829586558043957},{"text":"So $5.70 on a weekly basis.","start":2178.435,"end":2181.3352,"sentiment":"neutral","sentiment_score":0.18014221265912056},{"text":"Roughly gives you, say, a gross income, give or take, essentially, of about 29,640.","start":2182.8352,"end":2191.93,"sentiment":"neutral","sentiment_score":0.1729445340377944},{"text":"So then you're making a voluntary contribution of $20 per week, which works out to be over fifty two weeks, a thousand and $40.","start":2192.95,"end":2208.1848,"sentiment":"neutral","sentiment_score":0.28434018418192863}],"sentiment":"neutral","sentiment_score":0.22585281612826327,"num_words":51,"start":2174.5952,"end":2208.1848},{"sentences":[{"text":"So then if you claimed that as a as a tax deduction, it essentially and this is not including any other options.","start":2210.325,"end":2219.51,"sentiment":"neutral","sentiment_score":0.16548768464814534},{"text":"This is just kinda general looking at the numbers at the moment.","start":2219.51,"end":2222.73,"sentiment":"neutral","sentiment_score":0.17369049849609533},{"text":"But, essentially, that 1,040, if you added that as a tax deduction and claim and notice of intent, can essentially reduce your taxable income down.","start":2223.8298,"end":2235.695,"sentiment":"neutral","sentiment_score":0.30950283378362653},{"text":"Where is sorry.","start":2238.715,"end":2241.195,"sentiment":"neutral","sentiment_score":-0.2325261135896047},{"text":"My computer's frozen slightly because it takes into account tax changes.","start":2241.195,"end":2247.18,"sentiment":"negative","sentiment_score":-0.4127267870036038}],"sentiment":"neutral","sentiment_score":0.11267140946567875,"num_words":73,"start":2210.325,"end":2247.18},{"sentences":[{"text":"Six six seven.","start":2247.92,"end":2250.92,"sentiment":"neutral","sentiment_score":-0.0051225485901037855},{"text":"Yeah.","start":2250.92,"end":2251.42,"sentiment":"neutral","sentiment_score":0.27530935406684875},{"text":"So that would save you roughly about you get basically a whole offset.","start":2251.72,"end":2257.415,"sentiment":"positive","sentiment_score":0.41628132875149065},{"text":"So you could reduce your taxable income by about that 1,040.","start":2257.415,"end":2261.595,"sentiment":"neutral","sentiment_score":0.31157151000066236},{"text":"Yeah.","start":2264.295,"end":2264.795,"sentiment":"positive","sentiment_score":0.46532565355300903}],"sentiment":"neutral","sentiment_score":0.3298003877802142,"num_words":29,"start":2247.92,"end":2264.795},{"sentences":[{"text":"Yeah.","start":2266.695,"end":2267.195,"sentiment":"neutral","sentiment_score":0.28513646125793457},{"text":"Well, at the moment, if I'm looking at the tax bracket you're in, so you are in the lowest tax bracket.","start":2267.81,"end":2273.83,"sentiment":"neutral","sentiment_score":0.11281827269565492},{"text":"So you're in that sort of 16% tax bracket there.","start":2274.93,"end":2277.99,"sentiment":"positive","sentiment_score":0.3432006150484085},{"text":"If I'm reapplying that, it keeps you in the same tax bracket.","start":2278.13,"end":2282.39,"sentiment":"positive","sentiment_score":0.4275326455632846},{"text":"It just gives you a little bit more of a tax deduction, which might give you a little bit more of a refund.","start":2282.735,"end":2287.955,"sentiment":"positive","sentiment_score":0.42392068453457044}],"sentiment":"neutral","sentiment_score":0.312938713871721,"num_words":67,"start":2266.695,"end":2287.955},{"sentences":[{"text":"This, you know, help get a little bit more tax back at the end of the year, which is ultimately what you kind of want, a bit more tax back.","start":2288.095,"end":2295.235,"sentiment":"positive","sentiment_score":0.4892614483833313},{"text":"The money when you claim that notice of intent inside super, it means the super fund does take 15% tax out of those that money.","start":2296.34,"end":2305.4,"sentiment":"neutral","sentiment_score":0.019365736842155458},{"text":"But with $1,040, it would be about a $156 in tax.","start":2305.94,"end":2311.915,"sentiment":"neutral","sentiment_score":0.1425577557899735},{"text":"So you would still have quite a lot of that money invested.","start":2312.7751,"end":2316.475,"sentiment":"positive","sentiment_score":0.3956511666377385},{"text":"You'd still have $884 roughly invested in the super fund working harder for you, and then you can claim that 1,040 as a tax deduction and hopefully get a bit more of a tax return.","start":2318.695,"end":2331.0798,"sentiment":"positive","sentiment_score":0.5596534320286342}],"sentiment":"positive","sentiment_score":0.3634142151052973,"num_words":113,"start":2288.095,"end":2331.0798},{"sentences":[{"text":"Does that sound okay?","start":2331.0798,"end":2335.195,"sentiment":"neutral","sentiment_score":0.15161126293241978},{"text":"Yeah.","start":2351.75,"end":2352.23,"sentiment":"neutral","sentiment_score":0.17337799072265625},{"text":"So that's essentially the government co contribution.","start":2352.23,"end":2355.53,"sentiment":"neutral","sentiment_score":0.20094025135040283},{"text":"And because your income is under the threshold there, if you do make the contribution, it absolutely can count.","start":2355.8298,"end":2365.6948,"sentiment":"positive","sentiment_score":0.35484806095298965},{"text":"I'm just not sure if it's if we change the contribution if it does.","start":2368.875,"end":2372.94,"sentiment":"neutral","sentiment_score":-0.1652286739221641}],"sentiment":"neutral","sentiment_score":0.14700703389114803,"num_words":45,"start":2331.0798,"end":2372.94},{"sentences":[{"text":"But making that contribution, the thousand dollars there, does make you eligible for the go the government sorry, government co contribution.","start":2373.08,"end":2380.46,"sentiment":"positive","sentiment_score":0.33473666650908335},{"text":"And that's $500 that gets added to your suit.","start":2381.1602,"end":2383.96,"sentiment":"neutral","sentiment_score":0.20812911291917166},{"text":"They don't match it anymore.","start":2383.96,"end":2385.08,"sentiment":"neutral","sentiment_score":-0.22859026342630387},{"text":"They just do a maximum of $500.","start":2385.08,"end":2387.5,"sentiment":"neutral","sentiment_score":-0.061252549822841375},{"text":"I just need to check if because I'm not sure if I change if we claim a notice of intent, if they still get the the tax deduction.","start":2388.305,"end":2397.1848,"sentiment":"neutral","sentiment_score":-0.08847081075821604}],"sentiment":"neutral","sentiment_score":0.06933900208345481,"num_words":70,"start":2373.08,"end":2397.1848},{"sentences":[{"text":"So give me one second.","start":2397.1848,"end":2398.3848,"sentiment":"neutral","sentiment_score":0.020565634220838548},{"text":"I'm just gonna have a quick look on that one for you.","start":2398.3848,"end":2400.805,"sentiment":"neutral","sentiment_score":0.10136298835277557},{"text":"Yeah.","start":2440.295,"end":2440.695,"sentiment":"neutral","sentiment_score":0.20633134245872495},{"text":"So if you do claim the notice of intent, it changes the contribution amount, and they don't pay the government co contributions.","start":2440.695,"end":2449.915,"sentiment":"neutral","sentiment_score":-0.0031339028342203647},{"text":"So, yeah, it more does well, if you don't claim that notice of intent, obviously, with the government co contribution, that's an extra $500 that goes into your super, but it also does mean that there's no tax taken out of that money.","start":2450.295,"end":2466.3252,"sentiment":"neutral","sentiment_score":0.2543544337846512}],"sentiment":"neutral","sentiment_score":0.14932301402630577,"num_words":83,"start":2397.1848,"end":2466.3252},{"sentences":[{"text":"So out of the 1,040, that whole 1,040 remains invested for you.","start":2466.3252,"end":2472.185,"sentiment":"positive","sentiment_score":0.4515319789449374},{"text":"So it's completely up to you.","start":2472.645,"end":2473.925,"sentiment":"neutral","sentiment_score":0.3125320853044589},{"text":"But, realistically, I mean, the tax while it reduces your taxable income, you're in the lowest tax bracket, so it's not a huge amount.","start":2473.925,"end":2481.6199,"sentiment":"neutral","sentiment_score":0.1638029245659709},{"text":"You don't get the whole 1,000.","start":2482.0,"end":2483.76,"sentiment":"neutral","sentiment_score":0.12272443373998006},{"text":"But I say, you know, it kind of goes on the amount of tax paid.","start":2483.76,"end":2487.8599,"sentiment":"neutral","sentiment_score":0.12190059969822566}],"sentiment":"neutral","sentiment_score":0.21888415947083442,"num_words":63,"start":2466.3252,"end":2487.8599},{"sentences":[{"text":"But, theoretically, keeping that money non concessional in super and having it all invested and then getting that government co contribution payment up to $500, that essentially does mean you'd have more money in your super working harder for you at the end of the day and does tend does sort of show from what I'm looking at to be of greater benefit to you rather than claiming that amount back.","start":2489.44,"end":2513.75,"sentiment":"neutral","sentiment_score":0.31854028548573105},{"text":"Does that make sense?","start":2513.75,"end":2514.81,"sentiment":"neutral","sentiment_score":0.11658511869609356},{"text":"Yeah.","start":2517.83,"end":2518.33,"sentiment":"neutral","sentiment_score":0.2280149906873703},{"text":"That's absolutely fine.","start":2518.95,"end":2520.6501,"sentiment":"positive","sentiment_score":0.42134196559588116},{"text":"And you're happy to continue making that $20 every week as well up until the point you stop working?","start":2521.67,"end":2527.325,"sentiment":"positive","sentiment_score":0.38004092009443985}],"sentiment":"neutral","sentiment_score":0.32444407258714947,"num_words":98,"start":2489.44,"end":2527.325},{"sentences":[{"text":"Yes.","start":2530.585,"end":2531.085,"sentiment":"neutral","sentiment_score":0.2770257890224457},{"text":"Beautiful.","start":2531.145,"end":2531.645,"sentiment":"positive","sentiment_score":0.5525962114334106},{"text":"Yeah.","start":2532.025,"end":2532.525,"sentiment":"positive","sentiment_score":0.4200272858142853},{"text":"Perfect.","start":2533.225,"end":2533.725,"sentiment":"positive","sentiment_score":0.6467233300209045},{"text":"We'll make sure we have that in the advice for you as well and factor in that government co contribution for you because long term, that does mean it's a bit more money in your super working harder for you at the end of the day, which is important.","start":2534.345,"end":2546.72,"sentiment":"positive","sentiment_score":0.34626503653672275}],"sentiment":"positive","sentiment_score":0.3559124416337823,"num_words":53,"start":2530.585,"end":2546.72},{"sentences":[{"text":"Yeah.","start":2548.46,"end":2548.94,"sentiment":"neutral","sentiment_score":0.06966786086559296},{"text":"No.","start":2548.94,"end":2549.0999,"sentiment":"neutral","sentiment_score":0.053643159568309784},{"text":"That's absolutely fine.","start":2549.0999,"end":2550.64,"sentiment":"neutral","sentiment_score":0.12474785993496577},{"text":"Did you have more questions or want me to break any of that down a bit more for you at all?","start":2550.94,"end":2556.24,"sentiment":"neutral","sentiment_score":0.039646552254756294},{"text":"Yeah.","start":2562.315,"end":2562.635,"sentiment":"neutral","sentiment_score":0.021660901606082916}],"sentiment":"neutral","sentiment_score":0.05006641108128759,"num_words":27,"start":2548.46,"end":2562.635},{"sentences":[{"text":"Absolutely.","start":2562.635,"end":2563.135,"sentiment":"neutral","sentiment_score":0.03485753387212753},{"text":"Yeah.","start":2579.53,"end":2580.03,"sentiment":"neutral","sentiment_score":-0.005432208068668842},{"text":"Just having a look for you.","start":2587.785,"end":2589.7249,"sentiment":"neutral","sentiment_score":-0.017100877594202757},{"text":"That's okay.","start":2590.105,"end":2591.005,"sentiment":"neutral","sentiment_score":0.0270988829433918},{"text":"Is that the documents that you received today?","start":2591.065,"end":2593.325,"sentiment":"neutral","sentiment_score":-0.013298864476382732}],"sentiment":"neutral","sentiment_score":-0.006965171649224228,"num_words":18,"start":2562.635,"end":2593.325},{"sentences":[{"text":"Oh, it might have had the wrong document attached there.","start":2595.21,"end":2598.51,"sentiment":"neutral","sentiment_score":-0.15507870689034461},{"text":"Let me just double check.","start":2600.25,"end":2601.71,"sentiment":"neutral","sentiment_score":-0.14725791215896605},{"text":"No.","start":2604.8901,"end":2605.21,"sentiment":"neutral","sentiment_score":-0.16261017322540283},{"text":"That's okay.","start":2605.21,"end":2606.03,"sentiment":"neutral","sentiment_score":-0.12738995999097824},{"text":"It might have attached that document, and we didn't actually want it to be there.","start":2607.4648,"end":2611.865,"sentiment":"neutral","sentiment_score":-0.15894671032826105}],"sentiment":"neutral","sentiment_score":-0.15420204175241065,"num_words":33,"start":2595.21,"end":2611.865},{"sentences":[{"text":"So what I'll do, I'll just have a look at what it what came through.","start":2611.865,"end":2619.325,"sentiment":"neutral","sentiment_score":-0.02744776743153731},{"text":"Oh, is it maybe just bringing up the last document that you signed?","start":2619.66,"end":2626.96,"sentiment":"neutral","sentiment_score":-0.021321052112258397},{"text":"Because I can see for yours, Robin, is the ongoing fee can sent arrangement.","start":2631.02,"end":2635.615,"sentiment":"neutral","sentiment_score":0.1040319006091782},{"text":"That's the one that we sent through just then.","start":2635.915,"end":2638.7349,"sentiment":"neutral","sentiment_score":0.11952081074317296},{"text":"And then yeah.","start":2642.155,"end":2646.575,"sentiment":"neutral","sentiment_score":0.058171058694521584}],"sentiment":"neutral","sentiment_score":0.03736586837718884,"num_words":54,"start":2611.865,"end":2646.575},{"sentences":[{"text":"Yeah.","start":2646.875,"end":2647.375,"sentiment":"neutral","sentiment_score":0.06047259643673897},{"text":"And that was the one that was from a while ago.","start":2656.97,"end":2659.61,"sentiment":"neutral","sentiment_score":-0.010223913175815886},{"text":"That was the one in February, wasn't it?","start":2659.61,"end":2662.03,"sentiment":"neutral","sentiment_score":-0.00425224716309458},{"text":"Yeah.","start":2672.275,"end":2672.4348,"sentiment":"neutral","sentiment_score":-0.005989124998450279},{"text":"Yes.","start":2672.4348,"end":2672.9348,"sentiment":"neutral","sentiment_score":0.023896049708127975}],"sentiment":"neutral","sentiment_score":-0.0030955227769233966,"num_words":22,"start":2646.875,"end":2672.9348},{"sentences":[{"text":"Yep.","start":2672.9949,"end":2673.4949,"sentiment":"neutral","sentiment_score":0.021514948457479477},{"text":"Right.","start":2676.1301,"end":2676.6301,"sentiment":"neutral","sentiment_score":0.022813932970166206},{"text":"No.","start":2678.37,"end":2678.61,"sentiment":"neutral","sentiment_score":-0.18280108273029327},{"text":"That's okay.","start":2678.61,"end":2679.4102,"sentiment":"neutral","sentiment_score":-0.04507998749613762},{"text":"So I can see the fee consent form here is for yourself.","start":2679.4102,"end":2683.99,"sentiment":"neutral","sentiment_score":0.12408421995739143}],"sentiment":"neutral","sentiment_score":0.07413990959963378,"num_words":17,"start":2672.9949,"end":2683.99},{"sentences":[{"text":"We sent through two of them.","start":2685.25,"end":2686.785,"sentiment":"neutral","sentiment_score":0.08157398241261642},{"text":"There should be one for Frank as well, but I can only see one coming up.","start":2686.785,"end":2691.765,"sentiment":"neutral","sentiment_score":-0.0002904175780713558},{"text":"So what I'll do is I'll just go back, and I'll make sure I can see both of them coming through.","start":2692.4648,"end":2701.285,"sentiment":"neutral","sentiment_score":0.028335058795554296},{"text":"Not sure why it's not both coming through.","start":2702.6602,"end":2705.32,"sentiment":"neutral","sentiment_score":-0.22185631096363068},{"text":"I I sort of do miss DocuSign a little bit.","start":2710.26,"end":2712.5,"sentiment":"neutral","sentiment_score":0.09088239520788192}],"sentiment":"neutral","sentiment_score":0.0035050313492290307,"num_words":61,"start":2685.25,"end":2712.5},{"sentences":[{"text":"This is fun, this system, but it's just not not the same.","start":2712.5,"end":2715.6401,"sentiment":"neutral","sentiment_score":0.0713512475291888},{"text":"I do miss DocuSign a little bit.","start":2715.7852,"end":2717.385,"sentiment":"neutral","sentiment_score":0.1697464691741126},{"text":"It was easier.","start":2717.385,"end":2718.185,"sentiment":"neutral","sentiment_score":0.2964981297651927},{"text":"Not gonna lie.","start":2718.185,"end":2719.405,"sentiment":"neutral","sentiment_score":-0.026515106360117596},{"text":"Oh, good.","start":2721.0652,"end":2721.385,"sentiment":"positive","sentiment_score":0.40224575996398926}],"sentiment":"neutral","sentiment_score":0.13551410535971323,"num_words":27,"start":2712.5,"end":2721.385},{"sentences":[{"text":"What I might do is I'll just go back and make sure that both of those fee consent forms have come through.","start":2721.385,"end":2726.5051,"sentiment":"neutral","sentiment_score":0.19141434133052826},{"text":"I might have to resend them for you, but I'll just make sure the system is sending those correctly because it should be 1¢ to each of you.","start":2726.5051,"end":2734.1401,"sentiment":"neutral","sentiment_score":0.13673972338438034},{"text":"So if you don't see them by the end of the day, can you just let me know?","start":2734.1401,"end":2737.82,"sentiment":"neutral","sentiment_score":0.05850188289251593},{"text":"Is that okay?","start":2737.82,"end":2738.7202,"sentiment":"neutral","sentiment_score":0.0952364554007848},{"text":"Yeah.","start":2740.62,"end":2741.115,"sentiment":"neutral","sentiment_score":0.12734612822532654}],"sentiment":"neutral","sentiment_score":0.1319602454527163,"num_words":72,"start":2721.385,"end":2741.115},{"sentences":[{"text":"Yep.","start":2744.235,"end":2744.735,"sentiment":"neutral","sentiment_score":0.1684326529502869},{"text":"Yep.","start":2746.235,"end":2746.735,"sentiment":"neutral","sentiment_score":-0.02375706285238266},{"text":"No.","start":2749.275,"end":2749.595,"sentiment":"negative","sentiment_score":-0.48329979181289673},{"text":"No.","start":2749.595,"end":2749.915,"sentiment":"negative","sentiment_score":-0.4804808497428894},{"text":"That's fine.","start":2749.915,"end":2750.475,"sentiment":"neutral","sentiment_score":-0.16101816669106483}],"sentiment":"neutral","sentiment_score":-0.1901902308066686,"num_words":6,"start":2744.235,"end":2750.475},{"sentences":[{"text":"It should be if it's one of the attachments, it might have just attached that document because it was one that was in the file when they were attached, and someone might have dragged it across, and that's absolutely okay.","start":2750.475,"end":2760.5698,"sentiment":"neutral","sentiment_score":0.15812571751885116},{"text":"The only document that it should ask you to sign is the ongoing service agreement.","start":2761.3499,"end":2765.67,"sentiment":"neutral","sentiment_score":0.13514168858528136},{"text":"There should be one with each of your names there because we have you both as clients.","start":2765.67,"end":2770.615,"sentiment":"neutral","sentiment_score":0.14375495034105637},{"text":"Our normal fee is 1.65% per annum, but we've actually reduced yours both, and it'll continue that way to 1.1%.","start":2770.675,"end":2779.315,"sentiment":"neutral","sentiment_score":0.16547938138246537},{"text":"So you're paying a lower fee because you're both on board there.","start":2779.315,"end":2783.175,"sentiment":"neutral","sentiment_score":0.30155394474665326}],"sentiment":"neutral","sentiment_score":0.1704252225955805,"num_words":104,"start":2750.475,"end":2783.175},{"sentences":[{"text":"And it should just it does say having a look here, it's 1.1% per annum, and then we deduct our ongoing service fee in smaller monthly increments out of your super for our services, and it fluctuates and goes up and down with the market.","start":2783.73,"end":2797.67,"sentiment":"neutral","sentiment_score":0.08980495358506839},{"text":"So if the the so market was to take a little bit of a further dip, our fee does continue to go down with it, and then it does go up a little bit as the market increases as well.","start":2797.73,"end":2808.2551,"sentiment":"neutral","sentiment_score":-0.03905437467619777},{"text":"So our fee goes up and down with your super.","start":2808.2551,"end":2811.555,"sentiment":"neutral","sentiment_score":-0.027966319769620895},{"text":"Does that make sense?","start":2811.615,"end":2812.7551,"sentiment":"neutral","sentiment_score":0.014931746758520603},{"text":"Yeah.","start":2814.29,"end":2814.79,"sentiment":"neutral","sentiment_score":0.12274368107318878}],"sentiment":"neutral","sentiment_score":0.023818553946912287,"num_words":100,"start":2783.73,"end":2814.79},{"sentences":[{"text":"Beautiful.","start":2814.85,"end":2815.35,"sentiment":"positive","sentiment_score":0.4405750036239624},{"text":"Yep.","start":2822.77,"end":2823.25,"sentiment":"neutral","sentiment_score":0.03924661874771118},{"text":"Yeah.","start":2823.25,"end":2823.75,"sentiment":"neutral","sentiment_score":0.0023596379905939102},{"text":"Oh, very that's a bit bizarre.","start":2827.265,"end":2830.065,"sentiment":"neutral","sentiment_score":-0.3245953420797984},{"text":"Yeah.","start":2830.065,"end":2830.565,"sentiment":"neutral","sentiment_score":-0.11721570044755936}],"sentiment":"neutral","sentiment_score":-0.1582606492564082,"num_words":10,"start":2814.85,"end":2830.565},{"sentences":[{"text":"I'll find out if anything else has come through, but, yeah, it's just the ongoing service agreement there.","start":2832.4648,"end":2837.43,"sentiment":"neutral","sentiment_score":-0.04811206211646398},{"text":"I can see one's come through, but I can't see where Frank's has come through.","start":2837.5898,"end":2841.51,"sentiment":"neutral","sentiment_score":-0.11252254421512285},{"text":"So I will go back and double I will go through I can double check for you, Frank, if that does come through.","start":2841.51,"end":2849.3499,"sentiment":"neutral","sentiment_score":-0.041557303589323295},{"text":"If it doesn't, I'll make sure I resend it for you.","start":2849.3499,"end":2852.23,"sentiment":"neutral","sentiment_score":-0.05334212766452269},{"text":"Okay.","start":2852.23,"end":2852.73,"sentiment":"neutral","sentiment_score":0.015214278362691402}],"sentiment":"neutral","sentiment_score":-0.0600179763209513,"num_words":68,"start":2832.4648,"end":2852.73},{"sentences":[{"text":"Yeah.","start":2856.905,"end":2857.225,"sentiment":"neutral","sentiment_score":0.03306850045919418},{"text":"No.","start":2857.225,"end":2857.465,"sentiment":"neutral","sentiment_score":-0.021451685577630997},{"text":"That's okay.","start":2857.465,"end":2858.1052,"sentiment":"neutral","sentiment_score":0.05003006383776665},{"text":"That's not a problem.","start":2858.1052,"end":2858.985,"sentiment":"neutral","sentiment_score":0.11328939720988274},{"text":"Normally, when I open it, I can see both of them here, but it's only showing me one.","start":2858.985,"end":2862.905,"sentiment":"neutral","sentiment_score":-0.10517748662581046}],"sentiment":"neutral","sentiment_score":-0.05109077799492157,"num_words":26,"start":2856.905,"end":2862.905},{"sentences":[{"text":"I'm not really sure why.","start":2862.905,"end":2864.2651,"sentiment":"neutral","sentiment_score":-0.26742279529571533},{"text":"So that's honestly okay.","start":2864.2651,"end":2866.5051,"sentiment":"neutral","sentiment_score":0.02273586648516357},{"text":"I'll go back and have a bit of a look at that for you.","start":2866.5051,"end":2868.84,"sentiment":"neutral","sentiment_score":0.20663357100316457},{"text":"Not an issue at all.","start":2868.84,"end":2870.54,"sentiment":"neutral","sentiment_score":0.27865316569805143},{"text":"If there is anything else, I'll make sure we sort of give you a call and let you know.","start":2871.0,"end":2875.74,"sentiment":"neutral","sentiment_score":0.2089330459895887}],"sentiment":"neutral","sentiment_score":0.14914240820848562,"num_words":47,"start":2862.905,"end":2875.74},{"sentences":[{"text":"Just to sort of reiterate, so super wise, you know, not accessing anything unless you need to until, Robin, you turn age 67.","start":2876.84,"end":2885.985,"sentiment":"neutral","sentiment_score":0.056044988334178925},{"text":"I'll look at the Centrelink side of things for you and look at the portfolios and see what we can come up with keeping that kind of 50% split either to the, you know, to the risk factor for you.","start":2886.7651,"end":2898.61,"sentiment":"neutral","sentiment_score":0.20990915782749653},{"text":"So 50% growth investment, 50% defensive investment.","start":2898.61,"end":2902.07,"sentiment":"neutral","sentiment_score":0.16069656610488892},{"text":"Is there anything else goals wise that either of you might think you've got or want me to sort of look at for you in the next couple of years, or is that kind of the thing where your sleep is going?","start":2903.49,"end":2914.655,"sentiment":"neutral","sentiment_score":0.13604754803790933},{"text":"That's about all.","start":2918.555,"end":2919.355,"sentiment":"neutral","sentiment_score":0.21223842600981394}],"sentiment":"neutral","sentiment_score":0.14922599394036376,"num_words":115,"start":2876.84,"end":2919.355},{"sentences":[{"text":"That's okay.","start":2919.355,"end":2920.255,"sentiment":"neutral","sentiment_score":0.26454947888851166},{"text":"Just to sort of you're right.","start":2920.9548,"end":2922.57,"sentiment":"neutral","sentiment_score":0.14424537618954977},{"text":"Sorry.","start":2922.57,"end":2923.07,"sentiment":"neutral","sentiment_score":0.03435268998146057},{"text":"Oh, thank you.","start":2928.8901,"end":2930.11,"sentiment":"neutral","sentiment_score":0.29772518078486127},{"text":"Thank you so much, Robin.","start":2930.8901,"end":2932.4102,"sentiment":"positive","sentiment_score":0.6820902824401855}],"sentiment":"positive","sentiment_score":0.33720887408537026,"num_words":17,"start":2919.355,"end":2932.4102},{"sentences":[{"text":"I'll go back and check that for you.","start":2932.4102,"end":2934.51,"sentiment":"positive","sentiment_score":0.4543876647949219},{"text":"Sorry about that.","start":2934.97,"end":2936.1902,"sentiment":"neutral","sentiment_score":-0.01663282389442126},{"text":"I love these new computer systems.","start":2936.775,"end":2938.7148,"sentiment":"positive","sentiment_score":0.5078804021080335},{"text":"I'll just double check all of your assets there as well.","start":2941.335,"end":2944.395,"sentiment":"neutral","sentiment_score":0.12397107820619237},{"text":"So at the moment, we did have your main primary residence last year.","start":2944.4548,"end":2949.1748,"sentiment":"neutral","sentiment_score":0.045696452260017395}],"sentiment":"neutral","sentiment_score":0.20951758534079645,"num_words":41,"start":2932.4102,"end":2949.1748},{"sentences":[{"text":"Asset value we had noted was about 500,000.","start":2949.1748,"end":2952.58,"sentiment":"neutral","sentiment_score":0.054628532845526934},{"text":"Do you think that might have increased a bit from where we were last year?","start":2953.36,"end":2957.12,"sentiment":"neutral","sentiment_score":-0.014700687676668166},{"text":"Do you think it might be valued more to yourself at the moment, or what's your thoughts on that value?","start":2957.12,"end":2961.7,"sentiment":"neutral","sentiment_score":0.003454186301678419},{"text":"Crazy, ain't it?","start":2968.7349,"end":2969.9548,"sentiment":"neutral","sentiment_score":-0.1215665986140569},{"text":"Yeah.","start":2970.415,"end":2970.915,"sentiment":"neutral","sentiment_score":-0.027332402765750885}],"sentiment":"neutral","sentiment_score":-0.002264479254471494,"num_words":47,"start":2949.1748,"end":2970.915},{"sentences":[{"text":"Yeah.","start":2976.35,"end":2976.75,"sentiment":"neutral","sentiment_score":0.01444324105978012},{"text":"Yeah.","start":2976.75,"end":2977.25,"sentiment":"neutral","sentiment_score":0.01247241348028183},{"text":"Yep.","start":2982.27,"end":2982.77,"sentiment":"neutral","sentiment_score":0.04072733223438263},{"text":"Yep.","start":2982.83,"end":2983.31,"sentiment":"neutral","sentiment_score":0.037808701395988464},{"text":"No.","start":2983.31,"end":2983.55,"sentiment":"neutral","sentiment_score":-0.009546943008899689}],"sentiment":"neutral","sentiment_score":0.01918094903230667,"num_words":5,"start":2976.35,"end":2983.55},{"sentences":[{"text":"That's okay.","start":2983.55,"end":2984.37,"sentiment":"neutral","sentiment_score":0.08250845968723297},{"text":"Not a problem.","start":2984.6702,"end":2985.3901,"sentiment":"neutral","sentiment_score":0.14976011651257673},{"text":"So I'm having I'm just having a quick look online to see what the estimated value of the property is at the moment to sort of see what is out there and what they're saying.","start":2985.3901,"end":2993.435,"sentiment":"neutral","sentiment_score":0.021509777142533233},{"text":"So The same, realistically, estimated property value, mid range about 400,000, high range about $4.55.","start":2995.895,"end":3009.45,"sentiment":"neutral","sentiment_score":0.025635167521735034},{"text":"Did you feel like that's very average, or did you wanna keep it to where it was?","start":3010.0698,"end":3014.47,"sentiment":"neutral","sentiment_score":-0.07719287473489256}],"sentiment":"neutral","sentiment_score":0.006102612656023767,"num_words":72,"start":2983.55,"end":3014.47},{"sentences":[{"text":"Or yep.","start":3014.47,"end":3023.845,"sentiment":"neutral","sentiment_score":-0.022054026601836085},{"text":"Yep.","start":3027.6802,"end":3028.1802,"sentiment":"neutral","sentiment_score":0.07435354590415955},{"text":"Yep.","start":3030.2402,"end":3030.7402,"sentiment":"neutral","sentiment_score":0.15312732756137848},{"text":"That's absolutely fine.","start":3031.2002,"end":3032.56,"sentiment":"positive","sentiment_score":0.4975385069847107},{"text":"Not a problem at all.","start":3032.56,"end":3034.02,"sentiment":"positive","sentiment_score":0.4681254684925079}],"sentiment":"positive","sentiment_score":0.33471797363987815,"num_words":12,"start":3014.47,"end":3034.02},{"sentences":[{"text":"So $5.70.","start":3040.175,"end":3041.475,"sentiment":"neutral","sentiment_score":0.1827283352613449},{"text":"Beautiful.","start":3041.615,"end":3041.935,"sentiment":"positive","sentiment_score":0.6357696056365967},{"text":"And, Robin, your income, I'm just sort of estimating your take down gross income per week is about 570.","start":3041.935,"end":3047.855,"sentiment":"neutral","sentiment_score":0.1869252720161488},{"text":"You're fairly comfortable with that?","start":3047.855,"end":3049.635,"sentiment":"neutral","sentiment_score":0.23859190940856934},{"text":"Yep.","start":3055.23,"end":3055.63,"sentiment":"neutral","sentiment_score":-0.02810642682015896}],"sentiment":"neutral","sentiment_score":0.20420212731031434,"num_words":28,"start":3040.175,"end":3055.63},{"sentences":[{"text":"Yep.","start":3055.63,"end":3056.13,"sentiment":"neutral","sentiment_score":-0.06784301996231079},{"text":"Okay.","start":3060.75,"end":3061.25,"sentiment":"neutral","sentiment_score":-0.005951574072241783},{"text":"Do you yeah, no worries.","start":3061.47,"end":3065.765,"sentiment":"neutral","sentiment_score":0.05145629495382309},{"text":"Alright.","start":3067.9849,"end":3068.465,"sentiment":"neutral","sentiment_score":0.29749661684036255},{"text":"Lovely.","start":3068.465,"end":3068.945,"sentiment":"positive","sentiment_score":0.4607144296169281}],"sentiment":"neutral","sentiment_score":0.10463310302131706,"num_words":9,"start":3055.63,"end":3068.945},{"sentences":[{"text":"And, Frank, how much are you averaging from Centrelink on a fortnightly basis at the moment for the age pension?","start":3068.945,"end":3074.4849,"sentiment":"neutral","sentiment_score":0.05193625809624791},{"text":"Per fortnight?","start":3079.6802,"end":3080.4202,"sentiment":"neutral","sentiment_score":0.004551882157102227},{"text":"Yep.","start":3080.6401,"end":3081.1401,"sentiment":"neutral","sentiment_score":0.017242612317204475},{"text":"Sorry.","start":3086.0,"end":3086.32,"sentiment":"neutral","sentiment_score":-0.04183938726782799},{"text":"Did you say $7.50 or $7.60 just before as well?","start":3086.32,"end":3089.28,"sentiment":"neutral","sentiment_score":-0.03600294291973114}],"sentiment":"neutral","sentiment_score":0.019505962414447877,"num_words":34,"start":3068.945,"end":3089.28},{"sentences":[{"text":"Sorry.","start":3089.28,"end":3089.78,"sentiment":"neutral","sentiment_score":-0.05650654062628746},{"text":"Yep.","start":3092.295,"end":3092.795,"sentiment":"neutral","sentiment_score":-0.011018946766853333},{"text":"Oh, it's not.","start":3095.2551,"end":3096.075,"sentiment":"neutral","sentiment_score":-0.09538228313128154},{"text":"Okay.","start":3117.7651,"end":3118.2651,"sentiment":"neutral","sentiment_score":0.02167819067835808},{"text":"690.","start":3121.125,"end":3122.5051,"sentiment":"neutral","sentiment_score":0.01613587513566017}],"sentiment":"neutral","sentiment_score":-0.04512261013899531,"num_words":7,"start":3089.28,"end":3122.5051},{"sentences":[{"text":"Perfect.","start":3124.245,"end":3124.745,"sentiment":"neutral","sentiment_score":0.3163296580314636},{"text":"Robin, do you know what your hourly rate is at all?","start":3127.14,"end":3129.8,"sentiment":"neutral","sentiment_score":0.030367901802740314},{"text":"Yep.","start":3132.42,"end":3132.92,"sentiment":"neutral","sentiment_score":0.021406862884759903},{"text":"30 $1.70 per hour.","start":3133.78,"end":3135.38,"sentiment":"neutral","sentiment_score":0.031546568032354116},{"text":"Beautiful.","start":3135.38,"end":3135.88,"sentiment":"neutral","sentiment_score":0.01965983584523201}],"sentiment":"neutral","sentiment_score":0.04542386381783419,"num_words":18,"start":3124.245,"end":3135.88},{"sentences":[{"text":"Because I can sort of average that out and work it out on the thirty two hours and average that over the course of the year for you to kinda give me an estimate on the income if you like.","start":3135.94,"end":3144.635,"sentiment":"neutral","sentiment_score":0.10030863862484693},{"text":"That's absolutely fine.","start":3144.775,"end":3146.135,"sentiment":"positive","sentiment_score":0.5824030637741089},{"text":"Beautiful.","start":3146.135,"end":3146.635,"sentiment":"positive","sentiment_score":0.7287118434906006},{"text":"And you sort of need income of about $3,000 per fortnight or $1,000 per week to survive moving forward.","start":3147.975,"end":3156.4302,"sentiment":"neutral","sentiment_score":0.20133590070824875},{"text":"Is that fairly right?","start":3156.4302,"end":3157.6301,"sentiment":"neutral","sentiment_score":0.1405726559460163}],"sentiment":"neutral","sentiment_score":0.1623274524932477,"num_words":67,"start":3135.94,"end":3157.6301},{"sentences":[{"text":"Did you want me to maybe factor in a bit of a buffer there, or are you happy with that for the moment?","start":3157.6301,"end":3162.1301,"sentiment":"neutral","sentiment_score":0.05278392508625984},{"text":"It really doesn't.","start":3173.085,"end":3174.065,"sentiment":"neutral","sentiment_score":-0.2153366357088089},{"text":"No.","start":3174.125,"end":3174.625,"sentiment":"neutral","sentiment_score":-0.10582754015922546},{"text":"When you think about groceries, I know I've I've got two kids moved out of home now and only one child at home.","start":3174.685,"end":3180.205,"sentiment":"neutral","sentiment_score":-0.12521234057519748},{"text":"I'm still spending about $2.50 to $300 a week on groceries.","start":3180.205,"end":3183.5134,"sentiment":"neutral","sentiment_score":-0.16281459683721716}],"sentiment":"neutral","sentiment_score":-0.06899428801214108,"num_words":61,"start":3157.6301,"end":3183.5134},{"sentences":[{"text":"It's everything costs so much.","start":3183.5134,"end":3185.7202,"sentiment":"neutral","sentiment_score":-0.2278280586004257},{"text":"Oh, absolutely.","start":3191.3801,"end":3192.36,"sentiment":"neutral","sentiment_score":0.0530865453183651},{"text":"I can I can keep it at 2,000 per week at the moment?","start":3194.675,"end":3197.555,"sentiment":"neutral","sentiment_score":0.07947179159292808},{"text":"And if you find that you wanna increase that, that's absolutely fine.","start":3197.555,"end":3201.255,"sentiment":"neutral","sentiment_score":0.18180408825476965},{"text":"This kinda gives us a bit of a working point for you moving forward.","start":3201.875,"end":3205.415,"sentiment":"neutral","sentiment_score":0.2828656573380743}],"sentiment":"neutral","sentiment_score":0.13352031195941177,"num_words":46,"start":3183.5134,"end":3205.415},{"sentences":[{"text":"I mean, we're looking at the advice now, but also, you know, in the next fifteen months, knowing that in that time, things can change and we may need to update it again.","start":3205.875,"end":3214.4602,"sentiment":"neutral","sentiment_score":0.11000388612349828},{"text":"But this is giving you a bit of an idea of where we're tracking and what it sort of looks like down the track for you.","start":3214.4602,"end":3219.6602,"sentiment":"neutral","sentiment_score":0.12646984194333738},{"text":"Okay?","start":3219.6602,"end":3220.1602,"sentiment":"neutral","sentiment_score":0.039031922817230225},{"text":"Excellent.","start":3221.925,"end":3222.425,"sentiment":"neutral","sentiment_score":0.31756481528282166},{"text":"Other assets I have here, I've got your Nissan Qashqai.","start":3222.885,"end":3225.945,"sentiment":"neutral","sentiment_score":0.1066378578543663}],"sentiment":"neutral","sentiment_score":0.11748337252459055,"num_words":71,"start":3205.875,"end":3225.945},{"sentences":[{"text":"Rough value, if you had to sell that, got down here about 20,000.","start":3226.885,"end":3232.105,"sentiment":"neutral","sentiment_score":0.0009976383298635483},{"text":"If you did have to sell that, what do you think what value wise would it be to you?","start":3232.8052,"end":3236.905,"sentiment":"neutral","sentiment_score":0.02328836672792309},{"text":"Yeah.","start":3246.38,"end":3246.54,"sentiment":"neutral","sentiment_score":0.005057528614997864},{"text":"That's okay.","start":3246.54,"end":3247.3599,"sentiment":"neutral","sentiment_score":0.07950110919773579},{"text":"We had 20,000 last year.","start":3250.0752,"end":3251.675,"sentiment":"neutral","sentiment_score":0.02463812045753002}],"sentiment":"neutral","sentiment_score":0.01856746538542211,"num_words":40,"start":3226.885,"end":3251.675},{"sentences":[{"text":"Did you wanna keep it at 20?","start":3251.675,"end":3253.215,"sentiment":"neutral","sentiment_score":0.011459425623927797},{"text":"Yeah.","start":3260.475,"end":3260.97,"sentiment":"neutral","sentiment_score":0.06241155415773392},{"text":"Absolutely.","start":3261.21,"end":3261.69,"sentiment":"neutral","sentiment_score":0.09944570064544678},{"text":"And then we've got the Nissan Navara, which is a 2012 model.","start":3261.69,"end":3265.13,"sentiment":"neutral","sentiment_score":0.04882389741639296},{"text":"And last year, we said roughly about 15,000 value.","start":3265.13,"end":3268.81,"sentiment":"neutral","sentiment_score":0.03262927424576548}],"sentiment":"neutral","sentiment_score":0.037387449045976004,"num_words":30,"start":3251.675,"end":3268.81},{"sentences":[{"text":"Would you keep that about the same, do you think?","start":3268.81,"end":3270.91,"sentiment":"neutral","sentiment_score":0.02147639188915491},{"text":"No?","start":3273.05,"end":3273.45,"sentiment":"neutral","sentiment_score":-0.13897377252578735},{"text":"Drop it a little bit.","start":3273.45,"end":3274.49,"sentiment":"neutral","sentiment_score":-0.10396256744861603},{"text":"12.","start":3274.49,"end":3274.99,"sentiment":"neutral","sentiment_score":-0.013103009201586246},{"text":"Yeah.","start":3283.5552,"end":3283.955,"sentiment":"neutral","sentiment_score":0.1625584363937378}],"sentiment":"neutral","sentiment_score":-0.01636484798250927,"num_words":18,"start":3268.81,"end":3283.955},{"sentences":[{"text":"Wow.","start":3283.955,"end":3284.455,"sentiment":"positive","sentiment_score":0.42518407106399536},{"text":"I'll pop a bit pop 5 on there for you.","start":3288.96,"end":3291.54,"sentiment":"positive","sentiment_score":0.47429862022399905},{"text":"All good.","start":3291.68,"end":3291.76,"sentiment":"positive","sentiment_score":0.6567546129226685},{"text":"And do you happen to know if you're able to, are you able to access, like, an income or an asset statement from Centrelink that sort of shows what they have your assets noted as?","start":3291.76,"end":3305.2551,"sentiment":"neutral","sentiment_score":0.09950401410460472},{"text":"Do you know how to get that from your myGov account, or do you have one handy at all?","start":3305.2551,"end":3309.355,"sentiment":"neutral","sentiment_score":0.04544526015065218}],"sentiment":"neutral","sentiment_score":0.16160865575631164,"num_words":67,"start":3283.955,"end":3309.355},{"sentences":[{"text":"No.","start":3313.0298,"end":3313.27,"sentiment":"neutral","sentiment_score":-0.11967774480581284},{"text":"That's okay.","start":3313.27,"end":3314.0898,"sentiment":"neutral","sentiment_score":-0.03288896381855011},{"text":"Do you know roughly what they have as your assets noted on Centrelink?","start":3314.63,"end":3321.5298,"sentiment":"neutral","sentiment_score":0.0031348921072024563},{"text":"Do you have do you know what they have or, like, your cars and savings accounts, what they have noted?","start":3321.5898,"end":3327.21,"sentiment":"neutral","sentiment_score":-0.00940210889093578},{"text":"It would yeah.","start":3332.915,"end":3334.035,"sentiment":"neutral","sentiment_score":0.022340747838219006}],"sentiment":"neutral","sentiment_score":-0.006813384855213838,"num_words":39,"start":3313.0298,"end":3334.035},{"sentences":[{"text":"It'd be on it's probably more on Frank's myGov because he's the one that's actually applied for it.","start":3334.035,"end":3340.135,"sentiment":"neutral","sentiment_score":0.011278167269968739},{"text":"Do you know how to log in to your myGov?","start":3340.4348,"end":3342.855,"sentiment":"neutral","sentiment_score":0.013522672466933727},{"text":"You log in pretty you should would, wouldn't you?","start":3343.28,"end":3345.68,"sentiment":"neutral","sentiment_score":0.006003002610264552},{"text":"Because you report yeah.","start":3345.68,"end":3350.74,"sentiment":"neutral","sentiment_score":0.026548260124400258},{"text":"If I send an email afterwards just with a little bit of a direction on how to get that statement, would you be able to grab one of those statements and forward it through to me just so I can use that for the research for you for the plan?","start":3350.8,"end":3366.545,"sentiment":"neutral","sentiment_score":0.07476466424763202}],"sentiment":"neutral","sentiment_score":0.046557000130773164,"num_words":91,"start":3334.035,"end":3366.545},{"sentences":[{"text":"Yeah.","start":3368.5251,"end":3368.925,"sentiment":"neutral","sentiment_score":-0.00434831902384758},{"text":"If it's too much, let me know.","start":3368.925,"end":3370.865,"sentiment":"neutral","sentiment_score":-0.14161375910043716},{"text":"Is it easier if I send you an email, or is it easier if I try to direct you through now?","start":3376.59,"end":3380.43,"sentiment":"neutral","sentiment_score":-0.024450514997754778},{"text":"What would be better for both of you guys?","start":3380.43,"end":3382.45,"sentiment":"neutral","sentiment_score":-0.01086420752108097},{"text":"Yes.","start":3385.325,"end":3385.825,"sentiment":"neutral","sentiment_score":0.01903422549366951}],"sentiment":"neutral","sentiment_score":-0.04071407922758506,"num_words":39,"start":3368.5251,"end":3385.825},{"sentences":[{"text":"Yeah.","start":3386.605,"end":3387.105,"sentiment":"neutral","sentiment_score":-0.046473465859889984},{"text":"No.","start":3387.325,"end":3387.825,"sentiment":"neutral","sentiment_score":-0.11496835947036745},{"text":"No.","start":3388.605,"end":3389.105,"sentiment":"neutral","sentiment_score":-0.20490479469299316},{"text":"No.","start":3391.005,"end":3391.165,"sentiment":"neutral","sentiment_score":-0.14657250046730042},{"text":"No.","start":3391.165,"end":3391.2449,"sentiment":"neutral","sentiment_score":-0.08115945011377335}],"sentiment":"neutral","sentiment_score":-0.11881571412086486,"num_words":5,"start":3386.605,"end":3391.2449},{"sentences":[{"text":"That's absolutely fine.","start":3391.2449,"end":3392.365,"sentiment":"positive","sentiment_score":0.6817684173583984},{"text":"I'll send you an email with a breakdown of what to do.","start":3392.365,"end":3394.845,"sentiment":"neutral","sentiment_score":0.19784789780775705},{"text":"If you find it difficult or struggle, let me know.","start":3394.845,"end":3397.7449,"sentiment":"neutral","sentiment_score":-0.08319412656128407},{"text":"We can always look at doing another option.","start":3398.21,"end":3400.13,"sentiment":"neutral","sentiment_score":0.009321671444922686},{"text":"I just wanted to make sure that when we are factoring in Centrelink that we understand what they have for assets and income and liabilities.","start":3400.13,"end":3407.75,"sentiment":"neutral","sentiment_score":0.06493656739592552}],"sentiment":"neutral","sentiment_score":0.09112976407953377,"num_words":58,"start":3391.2449,"end":3407.75},{"sentences":[{"text":"That way, I can work on the same figures for you.","start":3408.0498,"end":3411.49,"sentiment":"neutral","sentiment_score":0.10307829454541206},{"text":"Okay?","start":3411.49,"end":3411.99,"sentiment":"neutral","sentiment_score":0.05226762592792511},{"text":"Yep.","start":3412.9749,"end":3413.4749,"sentiment":"neutral","sentiment_score":0.2524246871471405},{"text":"Perfect.","start":3413.855,"end":3414.355,"sentiment":"positive","sentiment_score":0.6777271032333374},{"text":"Beautiful.","start":3414.815,"end":3415.315,"sentiment":"positive","sentiment_score":0.7141305208206177}],"sentiment":"neutral","sentiment_score":0.1886940784752369,"num_words":15,"start":3408.0498,"end":3415.315},{"sentences":[{"text":"I have done here contents, roughly about 25,000 value of contents.","start":3416.415,"end":3421.4749,"sentiment":"neutral","sentiment_score":0.2476766353303736},{"text":"Would you increase that?","start":3421.615,"end":3422.655,"sentiment":"neutral","sentiment_score":0.13217699714004993},{"text":"Got any big collections recently that you wanna maybe note down?","start":3422.655,"end":3426.335,"sentiment":"neutral","sentiment_score":0.044114242561838844},{"text":"Or No.","start":3426.335,"end":3429.27,"sentiment":"neutral","sentiment_score":-0.03394208010286093},{"text":"Yep.","start":3430.77,"end":3431.27,"sentiment":"neutral","sentiment_score":0.20293563604354856}],"sentiment":"neutral","sentiment_score":0.1335675559038746,"num_words":29,"start":3416.415,"end":3431.27},{"sentences":[{"text":"That's okay.","start":3431.41,"end":3432.3098,"sentiment":"positive","sentiment_score":0.3823024332523346},{"text":"All good.","start":3432.53,"end":3433.3499,"sentiment":"positive","sentiment_score":0.5500456690788269},{"text":"Other than that, you mentioned that you're putting about $800 away on a fortnightly basis to cover those bills and things.","start":3434.3699,"end":3441.7349,"sentiment":"neutral","sentiment_score":0.08020636315147082},{"text":"Are you managing to put anything into a bit of a savings account, or is everything that you're earning going out towards bills and expenses and and rates and things like that insurances?","start":3441.7349,"end":3452.4749,"sentiment":"neutral","sentiment_score":0.0349014245650985},{"text":"Okay.","start":3462.1802,"end":3462.6802,"sentiment":"neutral","sentiment_score":0.0021267998963594437}],"sentiment":"neutral","sentiment_score":0.07971023120996305,"num_words":59,"start":3431.41,"end":3462.6802},{"sentences":[{"text":"Yep.","start":3476.115,"end":3476.615,"sentiment":"neutral","sentiment_score":0.02919328771531582},{"text":"Okay.","start":3477.4102,"end":3477.9102,"sentiment":"neutral","sentiment_score":0.005125705152750015},{"text":"Okay.","start":3479.8901,"end":3480.3901,"sentiment":"neutral","sentiment_score":-0.036477889865636826},{"text":"Yeah.","start":3484.53,"end":3485.03,"sentiment":"neutral","sentiment_score":0.01075657643377781},{"text":"With the funeral, realistically, with Centrelink, that because that's just the bank account that you've opened that you've called funeral account.","start":3486.05,"end":3494.5652,"sentiment":"neutral","sentiment_score":0.01974716121774344}],"sentiment":"neutral","sentiment_score":0.016931522600352765,"num_words":25,"start":3476.115,"end":3494.5652},{"sentences":[{"text":"Is that right?","start":3494.5652,"end":3495.465,"sentiment":"neutral","sentiment_score":0.040287485967079796},{"text":"So, realistically, if they find that they will consider that an I'm sorry, an asset and assess under both the assets and the incomes test.","start":3497.8452,"end":3507.1501,"sentiment":"neutral","sentiment_score":-0.017321342130890115},{"text":"Are you putting that money away purely for, say, both of your funerals or one of you, or what's the plan with that?","start":3508.1702,"end":3514.4102,"sentiment":"neutral","sentiment_score":-0.030568344680511433},{"text":"Is it for anyone's funeral or more just focused around the two of you?","start":3514.4102,"end":3517.87,"sentiment":"neutral","sentiment_score":-0.0291905871459416},{"text":"Yeah.","start":3519.9448,"end":3520.345,"sentiment":"neutral","sentiment_score":-0.01136757805943489}],"sentiment":"neutral","sentiment_score":-0.02174664880493021,"num_words":66,"start":3494.5652,"end":3520.345},{"sentences":[{"text":"Because there are investment options or bonds that I have access to, which are funeral bonds.","start":3520.345,"end":3526.825,"sentiment":"neutral","sentiment_score":-0.024636543937958777},{"text":"And the idea is you could start with a certain amount of money if you had I think, you know, we just start with about a thousand dollars.","start":3526.825,"end":3532.605,"sentiment":"neutral","sentiment_score":0.1317343690565654},{"text":"And you can be putting some regular amounts in on a regular basis.","start":3533.16,"end":3536.3599,"sentiment":"neutral","sentiment_score":0.14760068230904066},{"text":"And these are the funeral bonds.","start":3536.3599,"end":3538.3,"sentiment":"neutral","sentiment_score":0.08604038693010807},{"text":"If one of we could set two up if you wanted to.","start":3538.92,"end":3541.24,"sentiment":"neutral","sentiment_score":0.12547934986650944}],"sentiment":"neutral","sentiment_score":0.09646908027430376,"num_words":75,"start":3520.345,"end":3541.24},{"sentences":[{"text":"It's completely up to you.","start":3541.24,"end":3542.2,"sentiment":"neutral","sentiment_score":0.21059457063674927},{"text":"You can have a think about it.","start":3542.2,"end":3543.66,"sentiment":"neutral","sentiment_score":0.16573192392076766},{"text":"But, essentially, you set up this funeral bond.","start":3544.1199,"end":3546.76,"sentiment":"neutral","sentiment_score":0.1293748812749982},{"text":"The money is invested, so it is growing, not just getting a cash rate.","start":3546.76,"end":3550.9548,"sentiment":"neutral","sentiment_score":0.14756854197808675},{"text":"But they are fully non assessable by Centrelink.","start":3551.415,"end":3554.155,"sentiment":"neutral","sentiment_score":0.04679298913106322}],"sentiment":"neutral","sentiment_score":0.13543806837073394,"num_words":42,"start":3541.24,"end":3554.155},{"sentences":[{"text":"So even if they find out about these accounts, they won't add them to your income and assets test.","start":3554.2148,"end":3559.095,"sentiment":"neutral","sentiment_score":-0.05088823288679123},{"text":"They are sheltered for Centrelink purposes, and we would have to set up two of them.","start":3559.095,"end":3564.08,"sentiment":"neutral","sentiment_score":0.1216612309217453},{"text":"But, essentially, if you were to then pass away, the money is withdrawn out to to the executor within twenty four hours of having the the death certificate provided.","start":3564.08,"end":3576.1,"sentiment":"neutral","sentiment_score":-0.13772357255220413},{"text":"Did you wanna look at something like that, or are you happy with the way it is at the moment and just wanna think about it?","start":3576.675,"end":3582.0352,"sentiment":"neutral","sentiment_score":-0.06382166594266891},{"text":"What do you think?","start":3582.0352,"end":3583.0151,"sentiment":"neutral","sentiment_score":0.008506586775183678}],"sentiment":"neutral","sentiment_score":-0.04935763086727325,"num_words":94,"start":3554.2148,"end":3583.0151},{"sentences":[{"text":"Well, they are sheltered for centrelink purposes.","start":3592.77,"end":3595.3499,"sentiment":"neutral","sentiment_score":0.09613082664353508},{"text":"At the moment, the sheltering amount is about $1,516,000 for centrelink purposes.","start":3595.49,"end":3601.27,"sentiment":"neutral","sentiment_score":0.06267688889056444},{"text":"But realistically, you can open up these accounts with as little as normally about $1,000.","start":3601.9749,"end":3606.875,"sentiment":"neutral","sentiment_score":0.11180187438925107},{"text":"You can be putting regular amounts in, say, 20 or $30 a month or, you know, a lump sum once a year into the bond.","start":3607.015,"end":3613.575,"sentiment":"neutral","sentiment_score":0.1520673131942749},{"text":"It just keeps being invested and grows.","start":3613.575,"end":3615.755,"sentiment":"neutral","sentiment_score":0.18899673649242946}],"sentiment":"neutral","sentiment_score":0.12464737203536612,"num_words":66,"start":3592.77,"end":3615.755},{"sentences":[{"text":"It is invested in an investment option like we might pick, as an example, like a a Vanguard fund, which might give you diversification, and it could get, like, you know, a two, three, or a 5% return on a yearly basis and be growing over time.","start":3616.1602,"end":3630.98,"sentiment":"neutral","sentiment_score":0.20143970767868327},{"text":"But they are fully sheltered, the Centrelink.","start":3632.295,"end":3634.535,"sentiment":"neutral","sentiment_score":0.09990374956812177},{"text":"Centrelink don't don't look at the bonds.","start":3634.535,"end":3637.595,"sentiment":"neutral","sentiment_score":-0.14281184758458818},{"text":"The amount that you put in, as long as it's under the the asset requirements, so under the 15 or $16,000, they don't count that, and gross from those funds is not assessed by Centrelink.","start":3638.135,"end":3651.2,"sentiment":"neutral","sentiment_score":-0.16473837196826935},{"text":"So it's really really a good way to shelter money.","start":3651.2,"end":3653.94,"sentiment":"positive","sentiment_score":0.7730056881904602}],"sentiment":"neutral","sentiment_score":0.10501437205469834,"num_words":106,"start":3616.1602,"end":3653.94},{"sentences":[{"text":"It can grow towards, you know, the goal of being able to pull that up for a funeral down the track.","start":3654.48,"end":3659.46,"sentiment":"positive","sentiment_score":0.6100014675231207},{"text":"The downside of these is that you can't access the funds to anything else.","start":3660.305,"end":3663.9048,"sentiment":"neutral","sentiment_score":-0.16471554126058305},{"text":"It has to only be pulled out for the purpose of a funeral.","start":3663.9048,"end":3667.825,"sentiment":"neutral","sentiment_score":-0.04830348119139671},{"text":"If you pull out, you have $20.","start":3667.825,"end":3669.4248,"sentiment":"neutral","sentiment_score":0.04045619549495833},{"text":"And if you pull all of that out and you only use $5 on a funeral, then that's But they don't let you access those bonds in advance to anything else, whereas the advantage to having that in the bank account like you have at the moment is that if something happens, you can use the funds elsewhere if you want to.","start":3669.4248,"end":3687.31,"sentiment":"neutral","sentiment_score":0.1730068352433943}],"sentiment":"neutral","sentiment_score":0.17851012938807154,"num_words":117,"start":3654.48,"end":3687.31},{"sentences":[{"text":"But we do have access to these other types of investments that we can certainly help you with.","start":3688.335,"end":3693.295,"sentiment":"positive","sentiment_score":0.5590959969494078},{"text":"You don't have to do it now.","start":3693.295,"end":3694.655,"sentiment":"positive","sentiment_score":0.4288150838443211},{"text":"You can just, you know, talk about it, mull on it, think about it if you like.","start":3694.655,"end":3697.695,"sentiment":"positive","sentiment_score":0.4057129639036515},{"text":"It's absolutely fine.","start":3697.695,"end":3699.155,"sentiment":"positive","sentiment_score":0.6527067621548971},{"text":"It's just another sort of option to look at as well.","start":3699.615,"end":3702.355,"sentiment":"positive","sentiment_score":0.43534652211449365}],"sentiment":"positive","sentiment_score":0.4769551062158176,"num_words":56,"start":3688.335,"end":3702.355},{"sentences":[{"text":"Absolutely.","start":3707.6199,"end":3708.1199,"sentiment":"positive","sentiment_score":0.5287563800811768},{"text":"Absolutely.","start":3720.7551,"end":3721.2551,"sentiment":"neutral","sentiment_score":0.16202521324157715},{"text":"And that is the downside to a funeral bond is that you can't take it out if you do need the money.","start":3721.395,"end":3725.795,"sentiment":"neutral","sentiment_score":-0.10874460705301979},{"text":"So say something happened and, know, you had to rush Frank to the doctors and needed the money quickly for a specialist appointment or something.","start":3725.795,"end":3732.67,"sentiment":"neutral","sentiment_score":-0.11578015804290771},{"text":"You know, you do have that money there as a bit of a backup as a buffer for you.","start":3732.73,"end":3736.59,"sentiment":"neutral","sentiment_score":-0.0493724503015217}],"sentiment":"neutral","sentiment_score":-0.08138500395066597,"num_words":68,"start":3707.6199,"end":3736.59},{"sentences":[{"text":"Whereas a funeral bond, you can't pull that out.","start":3737.21,"end":3739.69,"sentiment":"neutral","sentiment_score":-0.02281990833580494},{"text":"It has to stay there no matter what.","start":3739.69,"end":3742.095,"sentiment":"neutral","sentiment_score":0.03578565688803792},{"text":"You don't have to keep putting money in a regular basis to the bond.","start":3742.7349,"end":3745.855,"sentiment":"neutral","sentiment_score":-0.02415838305439268},{"text":"It's definitely more sort of up to yourself, but there are the advantages and disadvantages.","start":3745.855,"end":3750.355,"sentiment":"neutral","sentiment_score":-0.07075366998712222},{"text":"It's always a good a good side to the option, but also a bad side as well.","start":3750.575,"end":3754.4949,"sentiment":"neutral","sentiment_score":-0.02439333454650991}],"sentiment":"neutral","sentiment_score":-0.02751274634566572,"num_words":63,"start":3737.21,"end":3754.4949},{"sentences":[{"text":"So it's about weighing up what's right for you at the time.","start":3754.4949,"end":3757.4749,"sentiment":"neutral","sentiment_score":-0.0011626568933327992},{"text":"Yeah.","start":3759.48,"end":3759.8801,"sentiment":"neutral","sentiment_score":-0.002494438085705042},{"text":"That's okay.","start":3759.8801,"end":3760.7,"sentiment":"neutral","sentiment_score":0.3180231899023056},{"text":"I also just wanted to update.","start":3761.48,"end":3762.76,"sentiment":"neutral","sentiment_score":0.07028113740185897},{"text":"Now with the funeral accounts, how much do you have in there at the moment?","start":3762.76,"end":3765.98,"sentiment":"neutral","sentiment_score":0.02688432435194651}],"sentiment":"neutral","sentiment_score":0.04012643746359067,"num_words":36,"start":3754.4949,"end":3765.98},{"sentences":[{"text":"Okay.","start":3770.535,"end":3771.015,"sentiment":"neutral","sentiment_score":0.25612393021583557},{"text":"Fantastic.","start":3771.015,"end":3771.515,"sentiment":"positive","sentiment_score":0.6869657039642334},{"text":"Beautiful.","start":3773.655,"end":3774.155,"sentiment":"positive","sentiment_score":0.6545820832252502},{"text":"And you said you put about $20 per week in there.","start":3774.935,"end":3778.4548,"sentiment":"neutral","sentiment_score":0.0951562225818634},{"text":"Is that per month in there?","start":3778.4548,"end":3779.7349,"sentiment":"neutral","sentiment_score":0.04827705646554629}],"sentiment":"neutral","sentiment_score":0.14670262522995473,"num_words":20,"start":3770.535,"end":3779.7349},{"sentences":[{"text":"Sorry?","start":3779.7349,"end":3780.2349,"sentiment":"neutral","sentiment_score":0.03397834300994873},{"text":"Oh, fantastic.","start":3789.59,"end":3790.57,"sentiment":"positive","sentiment_score":0.680332213640213},{"text":"Excellent.","start":3792.3901,"end":3792.8901,"sentiment":"positive","sentiment_score":0.6715152859687805},{"text":"Lovely.","start":3795.845,"end":3796.345,"sentiment":"positive","sentiment_score":0.6465198397636414},{"text":"Well, feel free to have a chat.","start":3796.405,"end":3797.685,"sentiment":"neutral","sentiment_score":0.24167256908757345}],"sentiment":"positive","sentiment_score":0.36703215663631755,"num_words":12,"start":3779.7349,"end":3797.685},{"sentences":[{"text":"If you decide you wanted to go down that route, you can let me know.","start":3797.685,"end":3801.125,"sentiment":"neutral","sentiment_score":0.16750353922446568},{"text":"In the meantime, I would just leave that there as that, and not sort of account for it.","start":3801.125,"end":3805.845,"sentiment":"neutral","sentiment_score":0.03030659703330861},{"text":"Okay?","start":3805.845,"end":3806.345,"sentiment":"neutral","sentiment_score":0.07385513186454773},{"text":"Excellent.","start":3808.61,"end":3809.11,"sentiment":"positive","sentiment_score":0.37558382749557495},{"text":"Now other bank accounts and things, do you have any other term deposits or large savings accounts that Centrelink would wanna know about?","start":3809.4102,"end":3815.99,"sentiment":"neutral","sentiment_score":0.07234199102158131}],"sentiment":"neutral","sentiment_score":0.08916166530729368,"num_words":58,"start":3797.685,"end":3815.99},{"sentences":[{"text":"Yep.","start":3824.785,"end":3825.285,"sentiment":"neutral","sentiment_score":0.0545208603143692},{"text":"Yep.","start":3828.865,"end":3829.365,"sentiment":"neutral","sentiment_score":0.04685348272323608},{"text":"No.","start":3831.44,"end":3831.68,"sentiment":"neutral","sentiment_score":-0.06454454362392426},{"text":"That's okay.","start":3831.68,"end":3832.4,"sentiment":"neutral","sentiment_score":0.08669210970401764},{"text":"That's not a problem at all.","start":3832.4,"end":3834.0798,"sentiment":"neutral","sentiment_score":0.13635042185584703}],"sentiment":"neutral","sentiment_score":0.09348332272334532,"num_words":11,"start":3824.785,"end":3834.0798},{"sentences":[{"text":"1,000 there.","start":3834.0798,"end":3835.1199,"sentiment":"neutral","sentiment_score":0.09828111529350281},{"text":"Beautiful.","start":3835.1199,"end":3835.6199,"sentiment":"positive","sentiment_score":0.48580849170684814},{"text":"Well, thank you for updating those details there for me.","start":3835.7598,"end":3838.8198,"sentiment":"positive","sentiment_score":0.47674441039562226},{"text":"Now I also had it noted.","start":3839.5198,"end":3841.0398,"sentiment":"neutral","sentiment_score":0.07791951298713684},{"text":"We do check this every year with you, but the last time you guys updated your will was 2010.","start":3841.0398,"end":3846.185,"sentiment":"neutral","sentiment_score":0.06109107481805902}],"sentiment":"neutral","sentiment_score":0.1862647980451584,"num_words":38,"start":3834.0798,"end":3846.185},{"sentences":[{"text":"Is your will still valid?","start":3846.185,"end":3847.7852,"sentiment":"neutral","sentiment_score":0.04645280241966247},{"text":"Is it still suited to your circumstances, do you think?","start":3847.7852,"end":3851.485,"sentiment":"neutral","sentiment_score":0.051904293894767764},{"text":"Yes.","start":3853.465,"end":3853.965,"sentiment":"neutral","sentiment_score":0.06337517499923706},{"text":"Yep.","start":3863.88,"end":3864.38,"sentiment":"neutral","sentiment_score":0.1016170084476471},{"text":"No.","start":3864.44,"end":3864.68,"sentiment":"neutral","sentiment_score":0.09632374346256256}],"sentiment":"neutral","sentiment_score":0.056256826553079814,"num_words":18,"start":3846.185,"end":3864.68},{"sentences":[{"text":"That's not a problem at all.","start":3864.68,"end":3866.46,"sentiment":"neutral","sentiment_score":0.18041488528251648},{"text":"And when you do turn 67 and fully retire, if you do need to sort of take a little bit of money out of super at the same time to replenish your income, just confirming, you would wanna keep your beneficiaries nominated to each other.","start":3867.32,"end":3881.685,"sentiment":"neutral","sentiment_score":0.16832901173167758},{"text":"So Frank to Robin, Robin to Frank.","start":3881.685,"end":3883.785,"sentiment":"neutral","sentiment_score":0.035014309521232335},{"text":"Yep.","start":3885.39,"end":3885.89,"sentiment":"neutral","sentiment_score":0.15161526203155518},{"text":"Beautiful.","start":3886.1099,"end":3886.6099,"sentiment":"positive","sentiment_score":0.37920504808425903}],"sentiment":"neutral","sentiment_score":0.15722025527308384,"num_words":60,"start":3864.68,"end":3886.6099},{"sentences":[{"text":"No.","start":3889.55,"end":3890.03,"sentiment":"neutral","sentiment_score":-0.04658800736069679},{"text":"Beautiful.","start":3890.03,"end":3890.53,"sentiment":"positive","sentiment_score":0.3667802810668946},{"text":"Beautiful.","start":3890.75,"end":3891.25,"sentiment":"positive","sentiment_score":0.4362713098526001},{"text":"Lovely.","start":3892.91,"end":3893.41,"sentiment":"neutral","sentiment_score":-0.0028627177234739065},{"text":"So what I can also look at, if you're comfortable with me doing so, is when you do get to 67 there, Robin, and you do maybe on the age pension with the both of you getting full age pension, hopefully, and maybe drawing a little bit out of your sofa, did you want me to look at whether we move fully into pension phase or whether we stay in the super that we're in.","start":3894.1099,"end":3915.71,"sentiment":"neutral","sentiment_score":0.14217548916737238}],"sentiment":"neutral","sentiment_score":0.1445159816884589,"num_words":79,"start":3889.55,"end":3915.71},{"sentences":[{"text":"Do you understand the difference between the two accounts and phases?","start":3915.71,"end":3919.3298,"sentiment":"neutral","sentiment_score":-0.011994992636821487},{"text":"That's right.","start":3927.3848,"end":3928.025,"sentiment":"neutral","sentiment_score":0.12161483615636826},{"text":"So when you're in that pension phase, they have a minimum balance that you have to be able to draw out, which at age 67 is about 5% of your total balance.","start":3928.025,"end":3938.045,"sentiment":"neutral","sentiment_score":0.11000360234174877},{"text":"But looking at the way your super is with your total balance there, you might be drawing a bit more out.","start":3938.505,"end":3944.53,"sentiment":"neutral","sentiment_score":0.033614911671195714},{"text":"So if at the moment with the age pension, it's the two of you, it doesn't quite make that $2,000 per fortnight doll.","start":3944.53,"end":3951.17,"sentiment":"neutral","sentiment_score":-0.08979698464922282}],"sentiment":"neutral","sentiment_score":0.02552789355513085,"num_words":89,"start":3915.71,"end":3951.17},{"sentences":[{"text":"So I would probably have to be drawing a little bit out of your supers to kind of replenish to make sure you're able to get that $2,000 per fortnight for your living expenses.","start":3951.17,"end":3960.345,"sentiment":"neutral","sentiment_score":-0.020862983320565784},{"text":"If I do the research and it comes back and tells me that, you know, what you'd be drawing out meets that minimum requirement, there are benefits to being in pension phase.","start":3961.605,"end":3971.69,"sentiment":"neutral","sentiment_score":0.2443516361527145},{"text":"I mean, you do have to take the money out, but there's also no tax consequences.","start":3971.69,"end":3977.23,"sentiment":"neutral","sentiment_score":0.20237069856375456},{"text":"So at the moment, you're in the accumulation phase.","start":3977.45,"end":3980.75,"sentiment":"neutral","sentiment_score":0.21541239321231842},{"text":"That's where you're building your super up.","start":3980.89,"end":3983.29,"sentiment":"neutral","sentiment_score":0.30035822306360516}],"sentiment":"neutral","sentiment_score":0.14682715511595718,"num_words":98,"start":3951.17,"end":3983.29},{"sentences":[{"text":"All your employer contributions are going in.","start":3983.29,"end":3985.79,"sentiment":"neutral","sentiment_score":0.21518476094518388},{"text":"Any of the capital gains that your super makes, it actually currently pays tax on.","start":3986.125,"end":3991.185,"sentiment":"neutral","sentiment_score":0.20107565919558207},{"text":"And same with the income.","start":3991.245,"end":3992.5452,"sentiment":"neutral","sentiment_score":0.12142611891031266},{"text":"So any income that's made inside that fund, your super currently pays tax on.","start":3992.7651,"end":3997.5051,"sentiment":"neutral","sentiment_score":0.2532941145556314},{"text":"When you turn fully retire, so age 67, when you wanna retire, if we wanna move you fully into pension phase, there's no tax consequences in there.","start":3997.8052,"end":4006.5898,"sentiment":"neutral","sentiment_score":0.3135334137413237}],"sentiment":"neutral","sentiment_score":0.25207468505729647,"num_words":68,"start":3983.29,"end":4006.5898},{"sentences":[{"text":"So your super fund can be making money, both capital gains and income, and there's no it doesn't pay any tax in that phase.","start":4006.89,"end":4014.27,"sentiment":"positive","sentiment_score":0.5551606888572375},{"text":"The only sort of downside is that you do have to take a minimum pension payment.","start":4014.525,"end":4018.625,"sentiment":"negative","sentiment_score":-0.45540429186075926},{"text":"Would you like me to assess whether staying in accumulation or moving into pension works better for you at that time?","start":4018.765,"end":4025.265,"sentiment":"neutral","sentiment_score":0.12122004780740965},{"text":"Yep.","start":4027.5,"end":4028.0,"sentiment":"neutral","sentiment_score":0.18202506005764008},{"text":"Well, he can be, but he does have to take that minimum pension payment out.","start":4032.06,"end":4036.8,"sentiment":"neutral","sentiment_score":0.015122814973195394}],"sentiment":"neutral","sentiment_score":0.11677761235600942,"num_words":77,"start":4006.89,"end":4036.8},{"sentences":[{"text":"So at the moment with Frank's balance, because you don't really want to take any money out and don't really need to right now because you're still working, he is fine to stay in in the accumulation phase.","start":4037.98,"end":4049.945,"sentiment":"neutral","sentiment_score":0.18454034606877126},{"text":"It does mean that his fund is taking is paying a little bit of tax on the growth and the income that it is making.","start":4050.085,"end":4056.06,"sentiment":"neutral","sentiment_score":-0.0034541139006614686},{"text":"But because you don't really need income out of it, there's nothing wrong with that.","start":4056.76,"end":4060.28,"sentiment":"neutral","sentiment_score":0.1591087833046913},{"text":"It's not paying a huge amount of tax.","start":4060.28,"end":4062.38,"sentiment":"neutral","sentiment_score":-0.027626956813037395},{"text":"The downside to it is that it is assessed by Centrelink.","start":4063.64,"end":4066.46,"sentiment":"neutral","sentiment_score":-0.20174535431645133}],"sentiment":"neutral","sentiment_score":0.07085152062558636,"num_words":97,"start":4037.98,"end":4066.46},{"sentences":[{"text":"So at the moment, yours is sheltered by Centrelink because, Robin, you're under 67.","start":4066.52,"end":4070.925,"sentiment":"neutral","sentiment_score":-0.029625485252056803},{"text":"But when you turn 67, both of your super balances will be assessed by Centrelink.","start":4071.065,"end":4075.645,"sentiment":"neutral","sentiment_score":-0.017029324360191823},{"text":"And given this the current Centrelink arrangements with the payments they make, you might need to take some income out.","start":4076.505,"end":4082.91,"sentiment":"neutral","sentiment_score":-0.057439889572560784},{"text":"So being in pension phase could actually work out better for you.","start":4082.99,"end":4086.6099,"sentiment":"neutral","sentiment_score":0.30391625377039116},{"text":"But did you want me to look at whether Frank should be in pension phase now or super, or are you happy just to sort of keep it where it is now, Frank?","start":4086.99,"end":4094.43,"sentiment":"neutral","sentiment_score":0.011509479559732206}],"sentiment":"neutral","sentiment_score":0.023487376812052853,"num_words":94,"start":4066.52,"end":4094.43},{"sentences":[{"text":"What's your thought?","start":4094.43,"end":4095.41,"sentiment":"neutral","sentiment_score":-0.014326983286688725},{"text":"He doesn't know?","start":4099.415,"end":4100.475,"sentiment":"neutral","sentiment_score":-0.09802004570762317},{"text":"That's okay.","start":4101.7354,"end":4102.475,"sentiment":"neutral","sentiment_score":-0.04991406016051769},{"text":"Yeah.","start":4109.4297,"end":4109.59,"sentiment":"neutral","sentiment_score":-0.04261716827750206},{"text":"That is yeah.","start":4109.59,"end":4111.7695,"sentiment":"neutral","sentiment_score":-0.07511813938617706}],"sentiment":"neutral","sentiment_score":-0.058736732811667025,"num_words":12,"start":4094.43,"end":4111.7695},{"sentences":[{"text":"That that's the other side of it.","start":4112.23,"end":4113.67,"sentiment":"neutral","sentiment_score":-0.05452036804386547},{"text":"Yeah.","start":4113.67,"end":4113.9097,"sentiment":"neutral","sentiment_score":-0.01870122365653515},{"text":"I mean, the gross in the income this for the last twelve months up until now was essentially a positive of 2%.","start":4113.9097,"end":4121.3696,"sentiment":"neutral","sentiment_score":-0.03979260271245783},{"text":"So your fund hasn't made a huge amount.","start":4121.385,"end":4123.1445,"sentiment":"neutral","sentiment_score":-0.050938614178448915},{"text":"It's only paid a small amount of tax, whereas you would have to draw 5% out.","start":4123.1445,"end":4127.545,"sentiment":"neutral","sentiment_score":-0.12090224865823984}],"sentiment":"neutral","sentiment_score":-0.06699492502957582,"num_words":54,"start":4112.23,"end":4127.545},{"sentences":[{"text":"So if I look at your balance at the moment there, Frank, just to give you an idea, I'll just pop back into that file.","start":4127.545,"end":4134.525,"sentiment":"neutral","sentiment_score":0.034013014510273935},{"text":"Sorry.","start":4140.69,"end":4140.93,"sentiment":"neutral","sentiment_score":-0.03743605315685272},{"text":"I'm just pulling the document back up.","start":4140.93,"end":4142.87,"sentiment":"neutral","sentiment_score":-0.04798130424959319},{"text":"Okay.","start":4144.45,"end":4144.85,"sentiment":"neutral","sentiment_score":-0.005600272677838802},{"text":"So with your balance at the moment, Okay.","start":4144.85,"end":4163.1797,"sentiment":"neutral","sentiment_score":0.008365079353097826}],"sentiment":"neutral","sentiment_score":0.012817631952375882,"num_words":42,"start":4127.545,"end":4163.1797},{"sentences":[{"text":"So with the balance at the moment, if your funds, say, as an example, made $2,000 there at 15%, the tax on that would essentially be $300.","start":4163.6396,"end":4175.815,"sentiment":"neutral","sentiment_score":0.0012917808015589362},{"text":"So if your fund made $2,000 for the year, it would pay a $300 tax on that.","start":4175.815,"end":4181.355,"sentiment":"neutral","sentiment_score":0.0020901049103807003},{"text":"If, example, say, you needed to take out income from your super and you move the pension phase for the year at your current age there, it's about a 5%.","start":4181.735,"end":4191.3403,"sentiment":"neutral","sentiment_score":0.02379682706668973},{"text":"So 5% times your current balance of $89.03 $7.00 and 82¢.","start":4191.4,"end":4197.42,"sentiment":"neutral","sentiment_score":0.02805642206221819},{"text":"It essentially means you'd have to draw out that $4,468 for the year.","start":4197.8003,"end":4199.9834,"sentiment":"neutral","sentiment_score":0.035731246981483236}],"sentiment":"neutral","sentiment_score":0.015766856788667207,"num_words":98,"start":4163.6396,"end":4199.9834},{"sentences":[{"text":"That's a 5% of your current balance.","start":4199.9834,"end":4201.095,"sentiment":"neutral","sentiment_score":0.039812300354242325},{"text":"$168 for the year.","start":4202.1353,"end":4204.1353,"sentiment":"neutral","sentiment_score":0.06151163578033447},{"text":"That's at 5% of your current balance.","start":4204.1353,"end":4205.3354,"sentiment":"neutral","sentiment_score":0.08952392424855914},{"text":"So, frankly, beating that accumulation phase now, whilst your fund is still paying tax, the tax it's probably paying on the income it's made this year is lower than the amount you would have to draw out.","start":4205.3354,"end":4218.91,"sentiment":"neutral","sentiment_score":0.06119291625312857},{"text":"Does that make sense?","start":4218.9697,"end":4220.11,"sentiment":"neutral","sentiment_score":0.0696347588673234}],"sentiment":"neutral","sentiment_score":0.06261147546061015,"num_words":59,"start":4199.9834,"end":4220.11},{"sentences":[{"text":"Yeah.","start":4220.4897,"end":4220.9897,"sentiment":"neutral","sentiment_score":0.21271640062332153},{"text":"Yeah.","start":4222.57,"end":4223.07,"sentiment":"neutral","sentiment_score":0.3285341262817383},{"text":"So, realistically, staying in accumulation right now means that you don't have to draw that money out.","start":4223.53,"end":4228.9697,"sentiment":"neutral","sentiment_score":0.3227687469300102},{"text":"It is still currently paying tax, but you still have an opportunity to grow your balance even more without the requirement of drawing down.","start":4228.9697,"end":4236.275,"sentiment":"positive","sentiment_score":0.3566951857258876},{"text":"So are you happy just to stay in that sort of accumulation or super stage now?","start":4236.275,"end":4241.335,"sentiment":"neutral","sentiment_score":0.25244433246552944}],"sentiment":"neutral","sentiment_score":0.31573072884042386,"num_words":59,"start":4220.4897,"end":4241.335},{"sentences":[{"text":"Yep.","start":4243.9697,"end":4244.4697,"sentiment":"neutral","sentiment_score":0.16678988933563232},{"text":"And we can look at maybe moving into pension when Robin turns 67.","start":4244.61,"end":4248.4497,"sentiment":"neutral","sentiment_score":0.18303818656848028},{"text":"Does that sound right to you?","start":4248.4497,"end":4250.07,"sentiment":"neutral","sentiment_score":0.15206175670027733},{"text":"Yeah.","start":4251.89,"end":4252.39,"sentiment":"neutral","sentiment_score":0.17397752404212952},{"text":"Fantastic.","start":4252.93,"end":4253.43,"sentiment":"positive","sentiment_score":0.40991342067718506}],"sentiment":"neutral","sentiment_score":0.18375217271122066,"num_words":22,"start":4243.9697,"end":4253.43},{"sentences":[{"text":"Now I've covered a lot, and I'm so sorry.","start":4254.61,"end":4256.93,"sentiment":"neutral","sentiment_score":0.12267322362297112},{"text":"But do either of you have any questions, did you want me to break anything down more for you?","start":4256.93,"end":4261.965,"sentiment":"neutral","sentiment_score":0.05237242334375256},{"text":"Or no.","start":4261.965,"end":4265.345,"sentiment":"neutral","sentiment_score":-0.03535667806863785},{"text":"That's oh, that's good.","start":4265.725,"end":4268.925,"sentiment":"positive","sentiment_score":0.40672536194324493},{"text":"That's good.","start":4268.925,"end":4269.485,"sentiment":"positive","sentiment_score":0.3848150670528412}],"sentiment":"neutral","sentiment_score":0.12291536894109514,"num_words":36,"start":4254.61,"end":4269.485},{"sentences":[{"text":"It came a bit a bit confusing, but please let me know if there's anything you wanted me to sort of touch on.","start":4269.485,"end":4274.385,"sentiment":"neutral","sentiment_score":-0.09008022584021091},{"text":"What I can do now is I can go back and just look at the research.","start":4275.03,"end":4278.8896,"sentiment":"neutral","sentiment_score":0.013078906573355198},{"text":"We can update the advice.","start":4278.9497,"end":4280.3896,"sentiment":"neutral","sentiment_score":0.06900237873196602},{"text":"We'll look at the two stages, what we do now with the super, with the investments, and how that looks when you turn 57, Robin, and when you are both fully retired and needing to draw down on what we can do income wise.","start":4280.3896,"end":4293.435,"sentiment":"neutral","sentiment_score":0.04911086767573248},{"text":"That'll give us a guide tracking and what we're planning over the next few years.","start":4293.655,"end":4299.355,"sentiment":"neutral","sentiment_score":0.09094444413979848}],"sentiment":"neutral","sentiment_score":0.0194900392654162,"num_words":103,"start":4269.485,"end":4299.355},{"sentences":[{"text":"And then moving forward, we can just keep reviewing that and make changes as we need to.","start":4299.4946,"end":4304.6,"sentiment":"neutral","sentiment_score":0.09179518547128229},{"text":"Does that sound okay?","start":4304.6,"end":4305.8003,"sentiment":"neutral","sentiment_score":0.0736933033913374},{"text":"Do both of you have any additional questions?","start":4305.8003,"end":4308.06,"sentiment":"neutral","sentiment_score":0.0220900303684175},{"text":"That sounds great.","start":4311.0,"end":4312.22,"sentiment":"positive","sentiment_score":0.6498059431711832},{"text":"Fantastic.","start":4312.44,"end":4312.94,"sentiment":"positive","sentiment_score":0.7165606021881104}],"sentiment":"neutral","sentiment_score":0.14236333458261055,"num_words":33,"start":4299.4946,"end":4312.94},{"sentences":[{"text":"Lovely.","start":4313.56,"end":4314.06,"sentiment":"positive","sentiment_score":0.6302533149719238},{"text":"Well, I feel like I've taken up enough of your precious time, so I will let you both go.","start":4314.36,"end":4318.86,"sentiment":"neutral","sentiment_score":0.33010073868851914},{"text":"I'll get my team just to double check that both those odor signs have gone through with the ongoing service agreement.","start":4319.505,"end":4324.485,"sentiment":"neutral","sentiment_score":0.14560961510453904},{"text":"If there's any issue, we'll make sure we resend it through, and I'll get my team to give you a buzz.","start":4324.8647,"end":4329.605,"sentiment":"neutral","sentiment_score":0.17179025869284356},{"text":"I'll send out an email there just directing and showing you how to get into the myGov to pull down the the asset information for Centrelink just for the research.","start":4330.145,"end":4340.58,"sentiment":"neutral","sentiment_score":0.15429685513178507}],"sentiment":"neutral","sentiment_score":0.19778772123643887,"num_words":92,"start":4313.56,"end":4340.58},{"sentences":[{"text":"And if you get stuck or have any problems, let me know.","start":4341.36,"end":4344.48,"sentiment":"neutral","sentiment_score":0.002345006757726273},{"text":"Okay?","start":4344.48,"end":4344.98,"sentiment":"neutral","sentiment_score":0.04260615259408951},{"text":"Fantastic.","start":4347.885,"end":4348.385,"sentiment":"positive","sentiment_score":0.5189136266708374},{"text":"I'll let you both go, Frank.","start":4348.8447,"end":4350.445,"sentiment":"positive","sentiment_score":0.4087690512339274},{"text":"I hope recovery's well.","start":4350.445,"end":4352.205,"sentiment":"positive","sentiment_score":0.3489876314997673}],"sentiment":"neutral","sentiment_score":0.18492602890667817,"num_words":24,"start":4341.36,"end":4352.205},{"sentences":[{"text":"Rest up.","start":4352.205,"end":4353.025,"sentiment":"neutral","sentiment_score":0.24450574815273285},{"text":"Fantastic.","start":4356.2847,"end":4356.7847,"sentiment":"positive","sentiment_score":0.3702396750450134},{"text":"Robin, I hope you get some downtime too.","start":4357.66,"end":4365.34,"sentiment":"neutral","sentiment_score":0.15740700718015432},{"text":"Oh, absolutely.","start":4365.34,"end":4366.56,"sentiment":"neutral","sentiment_score":0.07106403447687626},{"text":"No.","start":4366.78,"end":4367.18,"sentiment":"neutral","sentiment_score":0.043311137706041336}],"sentiment":"neutral","sentiment_score":0.16456760253225053,"num_words":14,"start":4352.205,"end":4367.18},{"sentences":[{"text":"All good.","start":4367.18,"end":4367.92,"sentiment":"neutral","sentiment_score":0.11055778339505196},{"text":"And I will attach the email there our financial services guide.","start":4368.22,"end":4371.42,"sentiment":"neutral","sentiment_score":0.07841760969974777},{"text":"It is really important we provide that to you.","start":4371.42,"end":4373.165,"sentiment":"neutral","sentiment_score":0.12801558193233278},{"text":"It's a a licensee document.","start":4373.165,"end":4375.085,"sentiment":"neutral","sentiment_score":0.09474709779024124},{"text":"It's a a document that explains everything about who we are.","start":4375.085,"end":4377.725,"sentiment":"neutral","sentiment_score":0.1116649948737838}],"sentiment":"neutral","sentiment_score":0.10362894588003033,"num_words":38,"start":4367.18,"end":4377.725},{"sentences":[{"text":"It has all my licensing information in there as a registered adviser for you, and it's also got a lovely picture of me in there as well.","start":4377.725,"end":4384.71,"sentiment":"neutral","sentiment_score":0.23787423913125638},{"text":"You're welcome to run your eyes over that.","start":4384.71,"end":4386.55,"sentiment":"neutral","sentiment_score":0.24700957164168358},{"text":"If you do have any additional questions, let me know.","start":4386.55,"end":4388.67,"sentiment":"neutral","sentiment_score":0.0980095237493515},{"text":"I know we've spoken a few times in the past, but it's always good to update everything.","start":4388.67,"end":4393.13,"sentiment":"neutral","sentiment_score":0.11382230152102078},{"text":"And, you know, you meet a lot of people on a regular basis, so you might forget what I look like.","start":4393.19,"end":4397.83,"sentiment":"neutral","sentiment_score":0.11916794290854818}],"sentiment":"neutral","sentiment_score":0.1664612312543105,"num_words":83,"start":4377.725,"end":4397.83},{"sentences":[{"text":"You talk to me on the phone all the time, but not a problem at all, guys.","start":4397.83,"end":4405.505,"sentiment":"neutral","sentiment_score":0.17963691954227054},{"text":"Thank you so much for your time.","start":4405.505,"end":4406.865,"sentiment":"positive","sentiment_score":0.864602097443172},{"text":"You both have an amazing afternoon.","start":4406.865,"end":4408.645,"sentiment":"positive","sentiment_score":0.8330470323562622},{"text":"I'll talk to you very soon.","start":4408.785,"end":4410.325,"sentiment":"positive","sentiment_score":0.6460984150568644},{"text":"Thanks.","start":4412.145,"end":4412.545,"sentiment":"positive","sentiment_score":0.6869305968284607}],"sentiment":"positive","sentiment_score":0.504536367449406,"num_words":37,"start":4397.83,"end":4412.545},{"sentences":[{"text":"See you later.","start":4412.545,"end":4413.265,"sentiment":"positive","sentiment_score":0.5881043473879496},{"text":"Bye.","start":4413.265,"end":4413.765,"sentiment":"neutral","sentiment_score":-0.12616319954395294}],"sentiment":"positive","sentiment_score":0.409537460654974,"num_words":4,"start":4412.545,"end":4413.765}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Yeah. I can hear you better. Yep. It's good. Yeah. A bit louder too. 09/17 to 11/1960. 361 Quarterwood Creek Road, Scottsdale, Queensland 4804. Twenty seventh of the second, fifty seven. Yes. Yeah. That's good. Thanks. Yes. Yeah. So what did it say if the balance now was 135,000? Alright. Okay. Yep. Thanks. Yeah. Yeah. Yep. We don't know too much about it. So what we'll just whatever you really think. As long as you think the investments are good. Yes. Yeah. I only work two days a week, and I'd love to give it up. But until I can get a pension, there's not much I can do about it. But that's so that's about fifteen months, and then I'll Yeah. Close to 66. Yeah. And yeah. Well, I'm doing it, and they take money off him because I earn money. So Well, I've worked it out. I mean, we can sorta the way it is, I'm still better off than not working. So Hold off if we can and just get some out if we need it would be the best way to go at the moment. I don't think so. Not at the moment. Not unless I go away on holidays and leave him at home. Sounds good. Well, we had a just had a big one. Great. Not long enough. Four and a half weeks, but, yeah, wish it was longer. But, anyway. Yeah. If if you can. Thanks. Yeah. And, I mean, if our super can be, yeah, not as, I mean, it's not very risky at the moment, but a little bit less risky as well, maybe. Be good to have both. Yeah. Thanks. I don't really understand a lot of it, but, yeah, that might be less risky. Nope. Technology is good. Yeah. Probably about the middle. Three. Yeah. That's the three. Right? Yeah. It's trying out a little bit longer. I think so. Yeah. As long as the age sleep is gonna be enough. The way it's gonna be, it's not. But anyway Now we probably live on about $2 a fortnight. I don't think the aid pension quite covers that. I'm not sure. Yeah. Thanks. Sometimes it's hard because by the time you pay rates and, you know, I put away $800 a fortnight for rates, insurances, and regos, and health fund, and yeah. I'm not sure. Yeah. That'd be good. Thanks. Yep. Concerned, but I don't really listen to the news. It's always bad. So Not really. I'm talking, aren't I? No. Yeah. Probably. Because, yeah, we can't afford for our super to get too much lower. Well, I mean, without us spending it. So Okay. Yeah. Yeah. I'm not sure. Probably a phone call to see what you just recommend. But yeah. Yeah. Well, we want the super to work as long as possible, but we can't really afford the risk to try and get really good returns. So what are we on now? Sorry. Would be be worthwhile staying with that? I'm not sure. I mean, it's hard. The older you get, the more you wanna not have too much of a risk. Yeah. Yeah. And just a question. Peep people our age with roughly what we got, what do they normally do? Yeah. Yeah. So the fifty fifty is more of a risk than the seventy thirty. Yep. Okay. So the fifty fifty is sorta average. Yeah. No. That sounds good. Thanks. I mean, we don't really understand it. So there is and whatever. Yep. Thanks. No. That's all. Thanks. Yeah. Not much. Yeah. It's a couple of weeks' worth. Yeah. Yeah. Yeah. So it's worthwhile doing. Not really, but I bring home about 500 most sweets. Well, if I work the sixteen hours a week, I bring home $5.39. So it would only be about $30 tax on that at the most, I reckon. Five $5.70 or something. Yeah. If I would work at all. Yeah. Okay. That'll be worth all doing. Yes. Yes. Yep. That's the question. Does the government I know years ago when I was working for someone else, I put $20 in a week to my super, and the government had to match up to a certain amount. Do they still do that? Yep. Yep. So I'd be better off in, like, twenty minutes. Okay. Yeah. Well, I'll do that. I just won't claim it. Yeah. I'll be making it for a while. A few years for me. Yeah. No. I do have a question about the email I got from Kendall. Is it? Those forms that he sent me to sign, that's got a $20,000 That's the 20 thousand dollars I took out to go on holidays. Is part of that? If I can read it properly. Yeah. I mean, I can't get into my emails on my computer. But It's not there now, but it was before there. Maybe. So I just sign it and send it back. Yeah. Because the first one is transaction without advice. Withdraw $20,000 from my Yep. Yeah. January 12, we started, but then we had trouble because it was Frank's signature coming up on it all the time. So I had to sign a couple of times. So Mhmm. Yeah. Because I can Yeah. And this one has got the partial account balance for 20 thousand dollars on it. I just didn't wanna sign it again. Yeah. Okay. I've just found the sign request from me for the annual review to my Gmail account from you. But, yeah, I wasn't sure about this one from from Kendall this morning. Yeah. Marty Marty, a different email to Rob's. That's all. Yep. I think that's about it. Thanks. I I did just sign that one that you sent me to my Gmail account, so I hope that went through alright. You're alright. Okay. Yeah. Well, the prices of houses in town are going up. Some are selling to $404.50. I mean, in West, it's not five acres, but we're couple of from, you know, a bit out of town, not far. But Okay. About four k. So, yeah, I'm not sure what the value would be worth. Yep. Well, that's probably average for a house block. So we'll just keep ours at the $5.01. Yeah. Because we're 2.2 hectares. K. And it's freehold too. Yeah. I mean, that's the highest I get. But if I don't work the whole sixteen hours a week, it's less. So it all depends how much work they've got for me to do. Just over 700. 7 60. I think $7.50. Yeah. Just over 700 a fortnight. Yeah. Something like that. No. It's not that high. Is it? What is it? It's if I do my school if I do my thirty two hours of if I do thirty two hours of fortnight, he gets about 690 a fortnight. How much is it? I think it's $31.31 70, something like that. Yep. Two oh, it sounds a lot of money. Doesn't it? But it doesn't go very far. Okay. I reckon. No. And things are more expensive out here, I imagine. Yep. Yeah. Okay. Yep. To me. Oh, I got no idea what they were. They're a good dollar. Yeah. Yeah. I mean, it'd probably be a $15.24. 15 maybe? No. Not now. I'm just looking at some others. I've seen some others on Facebook and that, but it's for sale. They're at the same age as mine, and they're about 3 or $4. I'll be lucky to get 5 for it. I think. No. Sorry. I've got no idea. No. Would it be on Centrelink my Centrelink? Yeah. I do. Frank's my guy. Yep. Yep. Yep. Probably an email. Thanks. Because I'm on Frank's phone. Because I'm on Frank's phone, and I would have to get on to me to get one Frank's phone. Yeah. Okay. No. I just Okay. The same. Thanks. Yeah. Well, there's not much left. I have opened a funeral account. Well, I did that a while ago, and I try and put $20 a fortnight or $20 a month in it, but it's in an account that gets if I don't touch it. And if I put in, it gets the higher interest. It gets, like, a second lot of interest. But I don't claim that on Centrelink because it's a funeral account. So Yeah. Just off. Florida. Yeah. I can think about it. It's probably you reckon that's a better way to go. Yes. Yeah. We'll just talk about it, I think. Thanks. Just think it's, I mean, we only we don't wanna touch it, but I think it's a bit of if it's there, it's a bit of peace of mind if you need it, isn't it? Yes. Yeah. Okay. Nearly 11. Yeah. Some sometimes it's only $20 a month, but then last month, I got 40 something dollars interest on it. So Yep. Okay. Thanks. They're all under this, the limit. I mean, I think we've got 3,000 in the savings and 1,000 something in a bill paying account. So, yeah, not a great deal. Yeah. Just close to one if it if one passes away and then both kids get it, and they're both executor and power of attorney. So Yeah. Thanks. Yeah. We're not planning to split up. The pension one, you gotta draw so much out every so often, don't you? Yes. Yeah. Thanks. So does that mean Frank should probably be in the pension phase now? Yes. Yep. He doesn't know. He doesn't do any of this stuff. I suppose it's better off him staying where he is because don't wanna get it too much lower than that before we have to start pulling anything out. Yes. It sure does. Yes. Just stay on that. Alright. You do the best. Yeah. That sounds good to me. Yep. No. Thanks. That sounds good. Thanks. Sounds really good. Yeah. Will do. Yeah. That's what I've been doing. I know. I I got another couple of weeks here, don't I? Yeah. Thanks for your help today. Yeah. Okay. Okay. Okay. Thanks.","confidence":0.9838867,"words":[{"word":"hello","start":0.08,"end":0.58,"confidence":0.95654297,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.011306436732411385},{"word":"hello","start":9.679999,"end":10.179999,"confidence":0.67663574,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.012137195095419884},{"word":"yeah","start":14.755,"end":15.075,"confidence":0.9152832,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05655422806739807},{"word":"i","start":15.075,"end":15.155,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.074480339884758},{"word":"can","start":15.155,"end":15.395,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04738775268197059},{"word":"hear","start":15.395,"end":15.555,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.05028827115893364},{"word":"you","start":15.555,"end":15.715,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05181862413883209},{"word":"better","start":15.715,"end":16.195,"confidence":0.99902344,"punctuated_word":"better.","sentiment":"neutral","sentiment_score":0.07697173207998276},{"word":"yep","start":16.195,"end":16.595,"confidence":0.91430664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10144921392202376},{"word":"it's","start":16.595,"end":16.755,"confidence":0.73950195,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1776026338338852},{"word":"good","start":16.755,"end":17.255,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.500813901424408},{"word":"yeah","start":20.195,"end":20.675,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1968553364276886},{"word":"a","start":20.675,"end":20.755,"confidence":0.50097656,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.07631467282772064},{"word":"bit","start":20.755,"end":21.075,"confidence":0.9614258,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06056978181004524},{"word":"louder","start":21.075,"end":21.395,"confidence":0.9790039,"punctuated_word":"louder","sentiment":"neutral","sentiment_score":0.09660018980503082},{"word":"too","start":21.395,"end":21.895,"confidence":0.98291016,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.09668047726154327},{"word":"09/17","start":48.065,"end":49.024998,"confidence":0.80737305,"punctuated_word":"09/17","sentiment":"neutral","sentiment_score":0.008262822404503822},{"word":"to","start":49.024998,"end":49.265,"confidence":0.8691406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005171541124582291},{"word":"11/1960","start":49.265,"end":50.725,"confidence":0.8169759,"punctuated_word":"11/1960.","sentiment":"neutral","sentiment_score":0.008596202358603477},{"word":"361","start":51.585,"end":52.71,"confidence":0.9742839,"punctuated_word":"361","sentiment":"neutral","sentiment_score":0.0121051874011755},{"word":"quarterwood","start":52.71,"end":53.21,"confidence":0.23516846,"punctuated_word":"Quarterwood","sentiment":"neutral","sentiment_score":0.018564976751804352},{"word":"creek","start":53.35,"end":53.75,"confidence":0.6147461,"punctuated_word":"Creek","sentiment":"neutral","sentiment_score":0.018207520246505737},{"word":"road","start":53.75,"end":54.23,"confidence":0.9980469,"punctuated_word":"Road,","sentiment":"neutral","sentiment_score":0.014214267022907734},{"word":"scottsdale","start":54.23,"end":54.73,"confidence":0.713562,"punctuated_word":"Scottsdale,","sentiment":"neutral","sentiment_score":0.02343844249844551},{"word":"queensland","start":54.79,"end":55.29,"confidence":0.96875,"punctuated_word":"Queensland","sentiment":"neutral","sentiment_score":0.027848057448863983},{"word":"4804","start":55.35,"end":56.41,"confidence":0.98547363,"punctuated_word":"4804.","sentiment":"neutral","sentiment_score":0.022716380655765533},{"word":"twenty","start":61.67,"end":62.07,"confidence":0.99609375,"punctuated_word":"Twenty","sentiment":"neutral","sentiment_score":0.14326629042625427},{"word":"seventh","start":62.07,"end":62.47,"confidence":0.9863281,"punctuated_word":"seventh","sentiment":"neutral","sentiment_score":0.1825193464756012},{"word":"of","start":62.47,"end":62.55,"confidence":0.8105469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1819825619459152},{"word":"the","start":62.55,"end":62.79,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1725936084985733},{"word":"second","start":62.79,"end":63.29,"confidence":0.80688477,"punctuated_word":"second,","sentiment":"neutral","sentiment_score":0.16229753196239471},{"word":"fifty","start":63.51,"end":63.91,"confidence":0.99902344,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.11488209664821623},{"word":"seven","start":63.91,"end":64.41,"confidence":0.9926758,"punctuated_word":"seven.","sentiment":"neutral","sentiment_score":0.12388214468955994},{"word":"yes","start":81.71,"end":82.21,"confidence":0.86206055,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07212649285793304},{"word":"yeah","start":103.415,"end":103.735,"confidence":0.77124023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11733676493167876},{"word":"that's","start":103.735,"end":104.055,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.24401170015335083},{"word":"good","start":104.055,"end":104.375,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.289612740278244},{"word":"thanks","start":104.375,"end":104.79,"confidence":0.9941406,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.3438531160354614},{"word":"yes","start":111.51,"end":112.01,"confidence":0.7529297,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0947445183992386},{"word":"yeah","start":174.415,"end":174.735,"confidence":0.6352539,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06085996329784393},{"word":"so","start":174.735,"end":174.975,"confidence":0.76953125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03798853978514671},{"word":"what","start":174.975,"end":175.135,"confidence":0.9873047,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.033538930118083954},{"word":"did","start":175.135,"end":175.295,"confidence":0.43432617,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.01940862461924553},{"word":"it","start":175.295,"end":175.795,"confidence":0.6660156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01714879274368286},{"word":"say","start":175.935,"end":176.435,"confidence":0.98828125,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.013454289175570011},{"word":"if","start":176.575,"end":176.655,"confidence":0.77246094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01611946150660515},{"word":"the","start":176.655,"end":176.895,"confidence":0.89746094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01566033810377121},{"word":"balance","start":176.895,"end":177.295,"confidence":0.9970703,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.013239918276667597},{"word":"now","start":177.295,"end":177.615,"confidence":0.9951172,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.01217457465827465},{"word":"was","start":177.615,"end":177.935,"confidence":0.99121094,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.01915731281042099},{"word":"135,000","start":177.935,"end":179.555,"confidence":0.97713214,"punctuated_word":"135,000?","sentiment":"neutral","sentiment_score":0.0124201700091362},{"word":"alright","start":193.67,"end":193.83,"confidence":0.6308594,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.027247190475463867},{"word":"okay","start":193.83,"end":194.33,"confidence":0.9526367,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04992976039648056},{"word":"yep","start":194.47,"end":194.87001,"confidence":0.9628906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12399231642484664},{"word":"thanks","start":194.87001,"end":195.37001,"confidence":0.99609375,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":0.16059118509292605},{"word":"yeah","start":230.195,"end":230.695,"confidence":0.74279785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01915270835161209},{"word":"yeah","start":240.355,"end":240.72,"confidence":0.8408203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.005891885608434677},{"word":"yep","start":296.595,"end":297.095,"confidence":0.6477051,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.030702082440257072},{"word":"we","start":444.74002,"end":444.90002,"confidence":0.9165039,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.07005000859498978},{"word":"don't","start":444.90002,"end":445.14,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0692322626709938},{"word":"know","start":445.14,"end":445.38,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0753992348909378},{"word":"too","start":445.38,"end":445.54,"confidence":0.9970703,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.05955406278371811},{"word":"much","start":445.54,"end":445.86002,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.05592457950115204},{"word":"about","start":445.86002,"end":446.1,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.08836320787668228},{"word":"it","start":446.1,"end":446.42,"confidence":0.83569336,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.10505368560552596},{"word":"so","start":446.42,"end":446.90002,"confidence":0.9604492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.013464640825986862},{"word":"what","start":446.90002,"end":447.22,"confidence":0.6621094,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0032666586339473724},{"word":"we'll","start":447.38,"end":447.7,"confidence":0.9645996,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.013595379889011385},{"word":"just","start":447.7,"end":448.2,"confidence":0.9375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.020183391869068142},{"word":"whatever","start":448.66,"end":449.16,"confidence":0.9404297,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.022234752774238583},{"word":"you","start":449.46002,"end":449.96002,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.000647280365228653},{"word":"really","start":450.58002,"end":450.90002,"confidence":0.9941406,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.033667657524347305},{"word":"think","start":450.90002,"end":451.40002,"confidence":0.9892578,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.04064474254846573},{"word":"as","start":462.295,"end":462.535,"confidence":0.9135742,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.10023900121450424},{"word":"long","start":462.535,"end":462.77502,"confidence":0.9790039,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.13703855872154236},{"word":"as","start":462.77502,"end":462.93503,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11029895395040512},{"word":"you","start":462.93503,"end":463.095,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10787354409694672},{"word":"think","start":463.095,"end":463.33502,"confidence":0.99121094,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.14087960124015808},{"word":"the","start":463.33502,"end":463.575,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1871064007282257},{"word":"investments","start":463.575,"end":464.075,"confidence":0.98535156,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.09724661707878111},{"word":"are","start":464.135,"end":464.375,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19454960525035855},{"word":"good","start":464.375,"end":464.875,"confidence":0.9812012,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2245488464832306},{"word":"yes","start":496.665,"end":497.165,"confidence":0.53515625,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12416641414165495},{"word":"yeah","start":535.44995,"end":535.94995,"confidence":0.77197266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04770200699567795},{"word":"i","start":594.33,"end":594.64996,"confidence":0.85595703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.31826117634773254},{"word":"only","start":594.64996,"end":595.05,"confidence":0.9941406,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.26908960938453674},{"word":"work","start":595.05,"end":595.45,"confidence":0.89501953,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.2576333284378052},{"word":"two","start":595.45,"end":595.61,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.2923581600189209},{"word":"days","start":595.61,"end":595.93,"confidence":1.0,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.2194419503211975},{"word":"a","start":595.93,"end":596.08997,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2079801708459854},{"word":"week","start":596.08997,"end":596.33,"confidence":0.9482422,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.18445493280887604},{"word":"and","start":596.33,"end":596.57,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.230645090341568},{"word":"i'd","start":596.57,"end":596.73,"confidence":0.9995117,"punctuated_word":"I'd","sentiment":"negative","sentiment_score":-0.3600223958492279},{"word":"love","start":596.73,"end":596.97,"confidence":0.99902344,"punctuated_word":"love","sentiment":"negative","sentiment_score":-0.35605335235595703},{"word":"to","start":596.97,"end":597.20996,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.34112852811813354},{"word":"give","start":597.20996,"end":597.45,"confidence":0.99902344,"punctuated_word":"give","sentiment":"negative","sentiment_score":-0.35723578929901123},{"word":"it","start":597.45,"end":597.61,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.33806514739990234},{"word":"up","start":597.61,"end":597.85,"confidence":0.9675293,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.2171083688735962},{"word":"but","start":597.85,"end":598.17,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.2827809453010559},{"word":"until","start":598.17,"end":598.57,"confidence":0.9980469,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.32320502400398254},{"word":"i","start":598.57,"end":598.64996,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3733236789703369},{"word":"can","start":598.64996,"end":598.81,"confidence":1.0,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.35288843512535095},{"word":"get","start":598.81,"end":599.145,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.32629290223121643},{"word":"a","start":599.145,"end":599.305,"confidence":0.9013672,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.34520745277404785},{"word":"pension","start":599.305,"end":599.625,"confidence":0.99658203,"punctuated_word":"pension,","sentiment":"neutral","sentiment_score":-0.2767690122127533},{"word":"there's","start":599.625,"end":599.865,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"negative","sentiment_score":-0.39230725169181824},{"word":"not","start":599.865,"end":600.10504,"confidence":0.9970703,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3870558142662048},{"word":"much","start":600.10504,"end":600.34503,"confidence":1.0,"punctuated_word":"much","sentiment":"negative","sentiment_score":-0.3824845552444458},{"word":"i","start":600.34503,"end":600.505,"confidence":0.9980469,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3957025706768036},{"word":"can","start":600.505,"end":600.66504,"confidence":1.0,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.35567939281463623},{"word":"do","start":600.66504,"end":600.825,"confidence":1.0,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.397951602935791},{"word":"about","start":600.825,"end":601.065,"confidence":1.0,"punctuated_word":"about","sentiment":"negative","sentiment_score":-0.39065951108932495},{"word":"it","start":601.065,"end":601.565,"confidence":0.98291016,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.3011547327041626},{"word":"but","start":603.705,"end":603.865,"confidence":0.8408203,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03446651250123978},{"word":"that's","start":603.865,"end":604.365,"confidence":0.7487793,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08172686398029327},{"word":"so","start":606.42505,"end":606.66504,"confidence":0.9921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.021228011697530743},{"word":"that's","start":606.66504,"end":606.98505,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.022077908739447594},{"word":"about","start":606.98505,"end":607.385,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01862981542944908},{"word":"fifteen","start":607.385,"end":607.865,"confidence":0.99902344,"punctuated_word":"fifteen","sentiment":"neutral","sentiment_score":0.03488776087760925},{"word":"months","start":607.865,"end":608.34503,"confidence":0.6999512,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.0304506067186594},{"word":"and","start":608.34503,"end":608.505,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.015818096697330475},{"word":"then","start":608.505,"end":608.825,"confidence":0.98828125,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.019461337476968765},{"word":"i'll","start":608.825,"end":609.075,"confidence":0.8552246,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.003273737384006381},{"word":"yeah","start":613.71,"end":614.21,"confidence":0.9790039,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02524554543197155},{"word":"close","start":614.91,"end":615.31,"confidence":0.4580078,"punctuated_word":"Close","sentiment":"neutral","sentiment_score":0.012336762621998789},{"word":"to","start":615.31,"end":615.47,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02352443151175976},{"word":"66","start":615.47,"end":616.37,"confidence":0.998291,"punctuated_word":"66.","sentiment":"neutral","sentiment_score":0.030664246529340744},{"word":"yeah","start":637.425,"end":637.905,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0785132646560669},{"word":"and","start":637.905,"end":638.225,"confidence":0.9482422,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06431849300861359},{"word":"yeah","start":638.385,"end":638.625,"confidence":0.9946289,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.003111870028078556},{"word":"well","start":638.625,"end":638.865,"confidence":0.99609375,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.011429298669099808},{"word":"i'm","start":638.865,"end":639.105,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03391892462968826},{"word":"doing","start":639.105,"end":639.34503,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.09274592995643616},{"word":"it","start":639.34503,"end":639.585,"confidence":0.8442383,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.043667346239089966},{"word":"and","start":639.585,"end":639.905,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03365599364042282},{"word":"they","start":639.905,"end":640.225,"confidence":0.72558594,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.10774509608745576},{"word":"take","start":640.225,"end":640.465,"confidence":0.9970703,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.21304459869861603},{"word":"money","start":640.465,"end":640.785,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.22457335889339447},{"word":"off","start":640.785,"end":641.025,"confidence":0.9838867,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.2297937273979187},{"word":"him","start":641.025,"end":641.185,"confidence":0.9135742,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.1549396961927414},{"word":"because","start":641.185,"end":641.505,"confidence":0.96875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.049991533160209656},{"word":"i","start":641.505,"end":641.745,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01298576593399048},{"word":"earn","start":641.745,"end":642.145,"confidence":0.82910156,"punctuated_word":"earn","sentiment":"neutral","sentiment_score":-0.06753048300743103},{"word":"money","start":642.145,"end":642.625,"confidence":0.95703125,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.00017502158880233765},{"word":"so","start":642.625,"end":643.125,"confidence":0.9428711,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07692241668701172},{"word":"well","start":654.6,"end":654.83997,"confidence":0.9641113,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.1380917727947235},{"word":"i've","start":654.83997,"end":655.08,"confidence":0.9506836,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.227286696434021},{"word":"worked","start":655.08,"end":655.32,"confidence":1.0,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":0.26025283336639404},{"word":"it","start":655.32,"end":655.56,"confidence":0.97314453,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25701332092285156},{"word":"out","start":655.56,"end":656.06,"confidence":0.9941406,"punctuated_word":"out.","sentiment":"positive","sentiment_score":0.3983498811721802},{"word":"i","start":656.2,"end":656.36,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2754344344139099},{"word":"mean","start":656.36,"end":656.68,"confidence":0.9980469,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.2519024610519409},{"word":"we","start":656.68,"end":656.76,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3282187879085541},{"word":"can","start":656.76,"end":657.08,"confidence":0.9980469,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3950088024139404},{"word":"sorta","start":657.08,"end":657.58,"confidence":0.9394531,"punctuated_word":"sorta","sentiment":"positive","sentiment_score":0.34171462059020996},{"word":"the","start":661.935,"end":662.175,"confidence":0.9892578,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3423607349395752},{"word":"way","start":662.175,"end":662.33496,"confidence":0.9970703,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.3431551456451416},{"word":"it","start":662.33496,"end":662.495,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4206794798374176},{"word":"is","start":662.495,"end":662.815,"confidence":0.97680664,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.26801639795303345},{"word":"i'm","start":662.815,"end":663.055,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2968056797981262},{"word":"still","start":663.055,"end":663.45496,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.26463353633880615},{"word":"better","start":663.45496,"end":663.855,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.13277770578861237},{"word":"off","start":663.855,"end":664.095,"confidence":0.9970703,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.2728440761566162},{"word":"than","start":664.095,"end":664.595,"confidence":0.9951172,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.08729270100593567},{"word":"not","start":665.055,"end":665.375,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.045480892062187195},{"word":"working","start":665.375,"end":665.875,"confidence":0.9724121,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":0.15788894891738892},{"word":"so","start":666.175,"end":666.675,"confidence":0.92333984,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2065548598766327},{"word":"hold","start":680.31,"end":680.55,"confidence":0.67822266,"punctuated_word":"Hold","sentiment":"neutral","sentiment_score":-0.02899445779621601},{"word":"off","start":680.55,"end":681.05,"confidence":0.9902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.02424539253115654},{"word":"if","start":681.11,"end":681.35,"confidence":0.77978516,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.003841578960418701},{"word":"we","start":681.35,"end":681.51,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.004009168595075607},{"word":"can","start":681.51,"end":681.99,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.00034212321043014526},{"word":"and","start":681.99,"end":682.23,"confidence":0.8203125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0072427839040756226},{"word":"just","start":682.23,"end":682.605,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.021080102771520615},{"word":"get","start":682.685,"end":682.845,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.02149677649140358},{"word":"some","start":682.845,"end":683.08496,"confidence":0.83203125,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.01276719942688942},{"word":"out","start":683.08496,"end":683.40497,"confidence":0.7104492,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.03325195237994194},{"word":"if","start":683.40497,"end":683.565,"confidence":0.96972656,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.020616337656974792},{"word":"we","start":683.565,"end":683.64496,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.018595539033412933},{"word":"need","start":683.64496,"end":684.14496,"confidence":0.9448242,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.016605272889137268},{"word":"it","start":684.365,"end":684.52496,"confidence":0.90722656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.045026130974292755},{"word":"would","start":684.52496,"end":684.685,"confidence":0.4387207,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.005837015807628632},{"word":"be","start":684.685,"end":684.845,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.00999028980731964},{"word":"the","start":684.845,"end":685.005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04100362956523895},{"word":"best","start":685.005,"end":685.245,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.059722717851400375},{"word":"way","start":685.245,"end":685.485,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.06304769963026047},{"word":"to","start":685.485,"end":685.565,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10739006102085114},{"word":"go","start":685.565,"end":685.805,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13629290461540222},{"word":"at","start":685.805,"end":685.96497,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1095522567629814},{"word":"the","start":685.96497,"end":686.045,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15582537651062012},{"word":"moment","start":686.045,"end":686.545,"confidence":0.9904785,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.17200231552124023},{"word":"i","start":700.66003,"end":700.82,"confidence":0.5317383,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14177057147026062},{"word":"don't","start":700.82,"end":701.06,"confidence":0.9941406,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12461823225021362},{"word":"think","start":701.06,"end":701.38,"confidence":0.98828125,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.13760656118392944},{"word":"so","start":701.38,"end":701.62,"confidence":0.94140625,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.15273815393447876},{"word":"not","start":701.62,"end":701.86005,"confidence":0.9873047,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.24635156989097595},{"word":"at","start":701.86005,"end":702.02,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.26628175377845764},{"word":"the","start":702.02,"end":702.18,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22444027662277224},{"word":"moment","start":702.18,"end":702.66003,"confidence":0.87402344,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.22418159246444705},{"word":"not","start":702.66003,"end":702.9,"confidence":0.9760742,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.13595300912857056},{"word":"unless","start":702.9,"end":703.4,"confidence":0.9873047,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.11087623238563538},{"word":"i","start":704.42004,"end":704.66003,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18165524303913116},{"word":"go","start":704.66003,"end":704.82,"confidence":0.9223633,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.1981684118509293},{"word":"away","start":704.82,"end":705.06,"confidence":0.9560547,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.13791511952877045},{"word":"on","start":705.06,"end":705.30005,"confidence":0.97314453,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2407229095697403},{"word":"holidays","start":705.30005,"end":705.7,"confidence":0.99609375,"punctuated_word":"holidays","sentiment":"neutral","sentiment_score":-0.20541679859161377},{"word":"and","start":705.7,"end":705.94,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22938281297683716},{"word":"leave","start":705.94,"end":706.18,"confidence":0.9980469,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.1930083930492401},{"word":"him","start":706.18,"end":706.34,"confidence":0.9902344,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.16198118031024933},{"word":"at","start":706.34,"end":706.5,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.16583728790283203},{"word":"home","start":706.5,"end":707.0,"confidence":0.99658203,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":-0.086128830909729},{"word":"sounds","start":711.255,"end":711.755,"confidence":0.7060547,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.3809379041194916},{"word":"good","start":712.855,"end":713.355,"confidence":0.9970703,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2788621783256531},{"word":"well","start":718.695,"end":719.015,"confidence":0.9614258,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.011711589992046356},{"word":"we","start":719.015,"end":719.175,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.018771864473819733},{"word":"had","start":719.175,"end":719.495,"confidence":0.91748047,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.005461875349283218},{"word":"a","start":719.495,"end":719.655,"confidence":0.78515625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.011785579845309258},{"word":"just","start":719.735,"end":719.895,"confidence":0.6948242,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.027150694280862808},{"word":"had","start":719.895,"end":720.135,"confidence":0.9838867,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.01082047075033188},{"word":"a","start":720.135,"end":720.215,"confidence":0.96777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02278370037674904},{"word":"big","start":720.215,"end":720.53503,"confidence":0.9980469,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.00770849734544754},{"word":"one","start":720.53503,"end":721.03503,"confidence":0.9980469,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.010960930958390236},{"word":"great","start":728.78,"end":729.28,"confidence":0.76953125,"punctuated_word":"Great.","sentiment":"neutral","sentiment_score":0.16706566512584686},{"word":"not","start":729.34,"end":729.58,"confidence":0.9760742,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.043365173041820526},{"word":"long","start":729.58,"end":729.9,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.027405939996242523},{"word":"enough","start":729.9,"end":730.4,"confidence":0.9650879,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":0.01792319118976593},{"word":"four","start":730.62006,"end":730.78,"confidence":0.99609375,"punctuated_word":"Four","sentiment":"neutral","sentiment_score":0.0005201660096645355},{"word":"and","start":730.78,"end":731.02,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00033952295780181885},{"word":"a","start":731.02,"end":731.10004,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006786942481994629},{"word":"half","start":731.10004,"end":731.42004,"confidence":0.9873047,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.005035698413848877},{"word":"weeks","start":731.42004,"end":731.82,"confidence":0.76342773,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":-0.006266778334975243},{"word":"but","start":731.82,"end":732.32,"confidence":0.74609375,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.009253909811377524},{"word":"yeah","start":732.46,"end":732.96,"confidence":0.921875,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.008841987699270248},{"word":"wish","start":733.58,"end":733.82,"confidence":0.64501953,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":-0.12770384550094604},{"word":"it","start":733.82,"end":733.9,"confidence":0.9790039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07893858104944229},{"word":"was","start":733.9,"end":734.14,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10416090488433838},{"word":"longer","start":734.14,"end":734.64,"confidence":0.93066406,"punctuated_word":"longer.","sentiment":"neutral","sentiment_score":-0.05182751640677452},{"word":"but","start":735.9,"end":736.06006,"confidence":0.6582031,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.0071168504655361176},{"word":"anyway","start":736.06006,"end":736.56006,"confidence":0.72436523,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.05601648986339569},{"word":"yeah","start":776.835,"end":777.335,"confidence":0.75341797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12349767237901688},{"word":"if","start":777.395,"end":777.795,"confidence":0.9267578,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.17714418470859528},{"word":"if","start":777.795,"end":778.035,"confidence":0.8701172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1558464914560318},{"word":"you","start":778.035,"end":778.195,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15564347803592682},{"word":"can","start":778.195,"end":778.595,"confidence":0.9436035,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.2929750084877014},{"word":"thanks","start":778.595,"end":779.095,"confidence":0.99902344,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5606818199157715},{"word":"yeah","start":780.115,"end":780.515,"confidence":0.89086914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12566784024238586},{"word":"and","start":780.515,"end":780.755,"confidence":0.75805664,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.0971120297908783},{"word":"i","start":780.755,"end":780.835,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18965213000774384},{"word":"mean","start":780.835,"end":781.335,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.1585768461227417},{"word":"if","start":781.395,"end":781.71497,"confidence":0.8828125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2229883074760437},{"word":"our","start":781.71497,"end":782.195,"confidence":0.91259766,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.29016485810279846},{"word":"super","start":782.195,"end":782.695,"confidence":0.8833008,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.27307552099227905},{"word":"can","start":782.755,"end":782.995,"confidence":0.98828125,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2481919825077057},{"word":"be","start":782.995,"end":783.495,"confidence":0.77246094,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":-0.1605803668498993},{"word":"yeah","start":784.595,"end":785.095,"confidence":0.99658203,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.1302652806043625},{"word":"not","start":786.035,"end":786.355,"confidence":0.9086914,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.18115128576755524},{"word":"as","start":786.355,"end":786.72,"confidence":0.9667969,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":-0.18456315994262695},{"word":"i","start":786.87994,"end":787.04,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20160239934921265},{"word":"mean","start":787.04,"end":787.19995,"confidence":0.9926758,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.19674572348594663},{"word":"it's","start":787.19995,"end":787.43994,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.20888888835906985},{"word":"not","start":787.43994,"end":787.75995,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.22840695083141327},{"word":"very","start":787.75995,"end":788.25995,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.279599666595459},{"word":"risky","start":788.48,"end":788.87994,"confidence":1.0,"punctuated_word":"risky","sentiment":"negative","sentiment_score":-0.3664084672927856},{"word":"at","start":788.87994,"end":789.04,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.3026354908943176},{"word":"the","start":789.04,"end":789.19995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22236207127571103},{"word":"moment","start":789.19995,"end":789.69995,"confidence":0.91552734,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.18715983629226685},{"word":"but","start":789.75995,"end":790.16,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1271798312664032},{"word":"a","start":790.16,"end":790.24,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15017648041248322},{"word":"little","start":790.24,"end":790.48,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.11912859231233595},{"word":"bit","start":790.48,"end":790.72,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.14757972955703735},{"word":"less","start":790.72,"end":791.04,"confidence":0.99902344,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.14188532531261444},{"word":"risky","start":791.04,"end":791.51996,"confidence":1.0,"punctuated_word":"risky","sentiment":"neutral","sentiment_score":-0.2525118291378021},{"word":"as","start":791.51996,"end":791.68,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.13528868556022644},{"word":"well","start":791.68,"end":792.18,"confidence":0.71118164,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.09011582285165788},{"word":"maybe","start":793.19995,"end":793.69995,"confidence":0.9941406,"punctuated_word":"maybe.","sentiment":"neutral","sentiment_score":-0.04125514626502991},{"word":"be","start":819.12,"end":819.28,"confidence":0.7675781,"punctuated_word":"Be","sentiment":"positive","sentiment_score":0.4436596930027008},{"word":"good","start":819.28,"end":819.52,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4427779018878937},{"word":"to","start":819.52,"end":819.60004,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.385089099407196},{"word":"have","start":819.60004,"end":819.84,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4280270040035248},{"word":"both","start":819.84,"end":820.34,"confidence":0.99560547,"punctuated_word":"both.","sentiment":"positive","sentiment_score":0.46435508131980896},{"word":"yeah","start":868.60004,"end":868.68,"confidence":0.9880371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14285433292388916},{"word":"thanks","start":868.68,"end":869.18,"confidence":0.99560547,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":0.23138216137886047},{"word":"i","start":869.24,"end":869.4,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06395544856786728},{"word":"don't","start":869.4,"end":869.8,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0959341824054718},{"word":"really","start":869.8,"end":870.28,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.11989264190196992},{"word":"understand","start":870.28,"end":870.78,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.16103458404541016},{"word":"a","start":870.84,"end":870.92,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1555378884077072},{"word":"lot","start":870.92,"end":871.08,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.14206479489803314},{"word":"of","start":871.08,"end":871.32,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15516868233680725},{"word":"it","start":871.32,"end":871.56,"confidence":0.77441406,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.09589846432209016},{"word":"but","start":871.56,"end":871.88,"confidence":0.8469238,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.037960343062877655},{"word":"yeah","start":871.88,"end":872.38,"confidence":0.98950195,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.0009280890226364136},{"word":"that","start":872.60004,"end":872.76,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01121409237384796},{"word":"might","start":872.76,"end":873.0,"confidence":0.9980469,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.009239576756954191},{"word":"be","start":873.0,"end":873.5,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.019714124500751495},{"word":"less","start":875.32,"end":875.64,"confidence":0.98535156,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.08862705528736115},{"word":"risky","start":875.64,"end":876.14,"confidence":0.99560547,"punctuated_word":"risky.","sentiment":"neutral","sentiment_score":-0.210130974650383},{"word":"nope","start":963.23,"end":963.63,"confidence":0.7261963,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":0.04246982187032699},{"word":"technology","start":963.63,"end":964.13,"confidence":0.88134766,"punctuated_word":"Technology","sentiment":"neutral","sentiment_score":0.1523548662662506},{"word":"is","start":964.43,"end":964.58997,"confidence":0.84277344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.34436213970184326},{"word":"good","start":964.58997,"end":965.08997,"confidence":0.9980469,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.21883784234523773},{"word":"yeah","start":1046.35,"end":1046.85,"confidence":0.7963867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1382814645767212},{"word":"probably","start":1118.475,"end":1118.955,"confidence":0.9448242,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.009636489674448969},{"word":"about","start":1118.955,"end":1119.195,"confidence":0.9741211,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.005886640399694443},{"word":"the","start":1119.195,"end":1119.355,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.003299020230770111},{"word":"middle","start":1119.355,"end":1119.855,"confidence":0.8691406,"punctuated_word":"middle.","sentiment":"neutral","sentiment_score":-0.000021004118025302887},{"word":"three","start":1121.115,"end":1121.615,"confidence":0.8791504,"punctuated_word":"Three.","sentiment":"neutral","sentiment_score":0.006575390230864286},{"word":"yeah","start":1131.51,"end":1132.01,"confidence":0.90625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07316529750823975},{"word":"that's","start":1132.15,"end":1132.39,"confidence":0.32617188,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0943237841129303},{"word":"the","start":1132.39,"end":1132.71,"confidence":0.6958008,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07846430689096451},{"word":"three","start":1132.71,"end":1133.11,"confidence":0.61743164,"punctuated_word":"three.","sentiment":"neutral","sentiment_score":0.06695549190044403},{"word":"right","start":1133.11,"end":1133.61,"confidence":0.68774414,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.0629459023475647},{"word":"yeah","start":1151.8201,"end":1152.3201,"confidence":0.83935547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.020465074107050896},{"word":"it's","start":1152.38,"end":1152.62,"confidence":0.7468262,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.06156783923506737},{"word":"trying","start":1152.62,"end":1153.02,"confidence":0.20666504,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.07911460846662521},{"word":"out","start":1153.02,"end":1153.18,"confidence":0.4128418,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.059907473623752594},{"word":"a","start":1153.18,"end":1153.26,"confidence":0.7036133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0977100282907486},{"word":"little","start":1153.26,"end":1153.42,"confidence":0.6875,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.09570559859275818},{"word":"bit","start":1153.42,"end":1153.7401,"confidence":0.95410156,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11648034304380415},{"word":"longer","start":1153.7401,"end":1154.2401,"confidence":0.99365234,"punctuated_word":"longer.","sentiment":"neutral","sentiment_score":-0.10828186571598052},{"word":"i","start":1164.985,"end":1165.225,"confidence":0.5419922,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03763359040021896},{"word":"think","start":1165.225,"end":1165.5449,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.03323568031191826},{"word":"so","start":1165.5449,"end":1165.865,"confidence":0.99121094,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.0352683886885643},{"word":"yeah","start":1165.865,"end":1166.365,"confidence":0.9838867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03501950204372406},{"word":"as","start":1168.825,"end":1168.985,"confidence":0.9941406,"punctuated_word":"As","sentiment":"neutral","sentiment_score":-0.02075099945068359},{"word":"long","start":1168.985,"end":1169.225,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.00696515291929245},{"word":"as","start":1169.225,"end":1169.465,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.00158555805683136},{"word":"the","start":1169.465,"end":1169.625,"confidence":0.921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0026338696479797363},{"word":"age","start":1169.625,"end":1169.945,"confidence":0.8540039,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.021298199892044067},{"word":"sleep","start":1169.945,"end":1170.345,"confidence":0.2475586,"punctuated_word":"sleep","sentiment":"neutral","sentiment_score":-0.019517861306667328},{"word":"is","start":1170.345,"end":1170.4249,"confidence":0.9658203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05384968221187592},{"word":"gonna","start":1170.4249,"end":1170.745,"confidence":0.9863281,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.010355353355407717},{"word":"be","start":1170.745,"end":1170.9049,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.009156204760074615},{"word":"enough","start":1170.9049,"end":1171.3049,"confidence":0.7302246,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":-0.042330726981163025},{"word":"the","start":1171.3049,"end":1171.385,"confidence":0.9951172,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.13930335640907288},{"word":"way","start":1171.385,"end":1171.625,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.1871986538171768},{"word":"it's","start":1171.625,"end":1171.865,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1508248895406723},{"word":"gonna","start":1171.865,"end":1172.1849,"confidence":0.9902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.1504180133342743},{"word":"be","start":1172.1849,"end":1172.345,"confidence":0.9802246,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":-0.10683424025774002},{"word":"it's","start":1172.345,"end":1172.585,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.093611441552639},{"word":"not","start":1172.585,"end":1173.085,"confidence":0.87768555,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.0842575803399086},{"word":"but","start":1173.1449,"end":1173.385,"confidence":0.97265625,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.014104031026363373},{"word":"anyway","start":1173.385,"end":1173.885,"confidence":0.5683594,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":0.005809858441352844},{"word":"now","start":1191.495,"end":1191.975,"confidence":0.87353516,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.011628255248069763},{"word":"we","start":1191.975,"end":1192.215,"confidence":0.96875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.00019605830311775208},{"word":"probably","start":1192.215,"end":1192.715,"confidence":0.98535156,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.004804719239473343},{"word":"live","start":1192.855,"end":1193.095,"confidence":0.9550781,"punctuated_word":"live","sentiment":"neutral","sentiment_score":0.011157304048538208},{"word":"on","start":1193.095,"end":1193.335,"confidence":0.9892578,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.016298435628414154},{"word":"about","start":1193.335,"end":1193.835,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0029029659926891327},{"word":"$2","start":1193.975,"end":1194.7949,"confidence":0.9975586,"punctuated_word":"$2","sentiment":"neutral","sentiment_score":0.012601811438798904},{"word":"a","start":1195.015,"end":1195.1749,"confidence":0.94970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02630751021206379},{"word":"fortnight","start":1195.1749,"end":1195.6749,"confidence":0.99560547,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.007352138869464397},{"word":"i","start":1201.255,"end":1201.495,"confidence":0.65478516,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.006550457328557968},{"word":"don't","start":1201.495,"end":1201.655,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1120549663901329},{"word":"think","start":1201.655,"end":1201.975,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.1391711384057999},{"word":"the","start":1201.975,"end":1202.215,"confidence":0.79296875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1776645928621292},{"word":"aid","start":1202.215,"end":1202.455,"confidence":0.54003906,"punctuated_word":"aid","sentiment":"neutral","sentiment_score":-0.16893774271011353},{"word":"pension","start":1202.455,"end":1202.955,"confidence":0.9921875,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":-0.11639237403869628},{"word":"quite","start":1203.015,"end":1203.335,"confidence":0.9941406,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.16865018010139465},{"word":"covers","start":1203.335,"end":1203.815,"confidence":0.99902344,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":-0.10796498507261276},{"word":"that","start":1203.815,"end":1204.315,"confidence":0.99658203,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.1368502676486969},{"word":"i'm","start":1214.98,"end":1215.14,"confidence":0.920166,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1063300594687462},{"word":"not","start":1215.14,"end":1215.38,"confidence":0.9941406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1213117316365242},{"word":"sure","start":1215.38,"end":1215.88,"confidence":0.9897461,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.1073075458407402},{"word":"yeah","start":1224.205,"end":1224.705,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0859576016664505},{"word":"thanks","start":1224.765,"end":1225.265,"confidence":0.9975586,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":0.1860082596540451},{"word":"sometimes","start":1225.325,"end":1225.825,"confidence":0.9980469,"punctuated_word":"Sometimes","sentiment":"neutral","sentiment_score":-0.02818578854203224},{"word":"it's","start":1225.885,"end":1226.125,"confidence":0.94262695,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.024121783673763275},{"word":"hard","start":1226.125,"end":1226.625,"confidence":1.0,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.16234269738197327},{"word":"because","start":1227.005,"end":1227.505,"confidence":0.7319336,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.14914889633655548},{"word":"by","start":1227.885,"end":1228.0449,"confidence":0.85839844,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.13155034184455872},{"word":"the","start":1228.0449,"end":1228.205,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14010432362556458},{"word":"time","start":1228.205,"end":1228.525,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.12702810764312744},{"word":"you","start":1228.525,"end":1228.6849,"confidence":0.95410156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12376433610916138},{"word":"pay","start":1228.6849,"end":1229.1849,"confidence":0.9941406,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.10430388152599336},{"word":"rates","start":1230.02,"end":1230.34,"confidence":0.86328125,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":-0.10668934881687164},{"word":"and","start":1230.34,"end":1230.82,"confidence":0.5229492,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.1024630069732666},{"word":"you","start":1230.82,"end":1230.98,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1417565941810608},{"word":"know","start":1230.98,"end":1231.38,"confidence":0.8774414,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.15399228036403656},{"word":"i","start":1231.38,"end":1231.5399,"confidence":0.9667969,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10977912694215776},{"word":"put","start":1231.5399,"end":1231.86,"confidence":0.88183594,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.13388746976852417},{"word":"away","start":1231.86,"end":1232.26,"confidence":0.99609375,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.10742966830730438},{"word":"$800","start":1232.26,"end":1233.14,"confidence":0.9995117,"punctuated_word":"$800","sentiment":"neutral","sentiment_score":-0.08813311159610748},{"word":"a","start":1233.14,"end":1233.22,"confidence":0.9448242,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1217721700668335},{"word":"fortnight","start":1233.22,"end":1233.72,"confidence":0.9970703,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":-0.1872261017560959},{"word":"for","start":1233.86,"end":1234.1,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1372205913066864},{"word":"rates","start":1234.1,"end":1234.5,"confidence":0.61865234,"punctuated_word":"rates,","sentiment":"neutral","sentiment_score":-0.09336207807064056},{"word":"insurances","start":1234.5,"end":1235.0,"confidence":0.9480794,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":-0.027804672718048096},{"word":"and","start":1235.22,"end":1235.46,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.028774786740541455},{"word":"regos","start":1235.46,"end":1235.96,"confidence":0.8098958,"punctuated_word":"regos,","sentiment":"neutral","sentiment_score":-0.01644328609108925},{"word":"and","start":1237.22,"end":1237.38,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03108164481818676},{"word":"health","start":1237.38,"end":1237.78,"confidence":0.97509766,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.012158548459410667},{"word":"fund","start":1237.78,"end":1238.1,"confidence":0.62561035,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.04582326486706734},{"word":"and","start":1238.1,"end":1238.5,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05558748543262482},{"word":"yeah","start":1238.58,"end":1239.08,"confidence":0.99560547,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.07019039988517761},{"word":"i'm","start":1257.83,"end":1257.99,"confidence":0.8779297,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.11840131133794785},{"word":"not","start":1257.99,"end":1258.31,"confidence":0.9790039,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1133122444152832},{"word":"sure","start":1258.31,"end":1258.81,"confidence":0.9951172,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.11455018818378448},{"word":"yeah","start":1311.295,"end":1311.615,"confidence":0.986084,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16953593492507937},{"word":"that'd","start":1311.615,"end":1311.855,"confidence":0.7949219,"punctuated_word":"That'd","sentiment":"positive","sentiment_score":0.3834899663925171},{"word":"be","start":1311.855,"end":1312.095,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3861827552318573},{"word":"good","start":1312.095,"end":1312.335,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.447325587272644},{"word":"thanks","start":1312.335,"end":1312.74,"confidence":0.99658203,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5167275667190552},{"word":"yep","start":1338.3351,"end":1338.8351,"confidence":0.76171875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10661664605140686},{"word":"concerned","start":1381.76,"end":1382.26,"confidence":0.648763,"punctuated_word":"Concerned,","sentiment":"neutral","sentiment_score":-0.1688505858182907},{"word":"but","start":1382.64,"end":1383.04,"confidence":0.9819336,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.23218047618865967},{"word":"i","start":1383.04,"end":1383.28,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3104802966117859},{"word":"don't","start":1383.28,"end":1383.6,"confidence":0.9941406,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.3346150815486908},{"word":"really","start":1383.6,"end":1384.0,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.3406675457954407},{"word":"listen","start":1384.0,"end":1384.3201,"confidence":0.9980469,"punctuated_word":"listen","sentiment":"negative","sentiment_score":-0.4502910077571869},{"word":"to","start":1384.3201,"end":1384.48,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4128977060317993},{"word":"the","start":1384.48,"end":1384.64,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3852327167987823},{"word":"news","start":1384.64,"end":1384.88,"confidence":0.9946289,"punctuated_word":"news.","sentiment":"negative","sentiment_score":-0.3855612576007843},{"word":"it's","start":1384.88,"end":1385.2001,"confidence":0.9975586,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.4193643033504486},{"word":"always","start":1385.2001,"end":1385.68,"confidence":1.0,"punctuated_word":"always","sentiment":"negative","sentiment_score":-0.3476887047290802},{"word":"bad","start":1385.68,"end":1386.0,"confidence":0.94262695,"punctuated_word":"bad.","sentiment":"negative","sentiment_score":-0.396829754114151},{"word":"so","start":1386.0,"end":1386.5,"confidence":0.87841797,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.33008599281311035},{"word":"not","start":1391.975,"end":1392.215,"confidence":0.9892578,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.2484990656375885},{"word":"really","start":1392.215,"end":1392.715,"confidence":0.96240234,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.20608320832252505},{"word":"i'm","start":1392.775,"end":1393.015,"confidence":0.9614258,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.15177911520004272},{"word":"talking","start":1393.015,"end":1393.495,"confidence":0.7849121,"punctuated_word":"talking,","sentiment":"neutral","sentiment_score":-0.12446220964193344},{"word":"aren't","start":1393.495,"end":1393.735,"confidence":0.8964844,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.12418384850025176},{"word":"i","start":1393.735,"end":1394.235,"confidence":0.8762207,"punctuated_word":"I?","sentiment":"neutral","sentiment_score":-0.13563717901706696},{"word":"no","start":1409.3,"end":1409.8,"confidence":0.7963867,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1087503433227539},{"word":"yeah","start":1431.77,"end":1432.0901,"confidence":0.9758301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.052840039134025574},{"word":"probably","start":1432.0901,"end":1432.5701,"confidence":0.7188721,"punctuated_word":"Probably.","sentiment":"neutral","sentiment_score":-0.061677172780036926},{"word":"because","start":1432.5701,"end":1432.81,"confidence":0.9484863,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":-0.09545302391052246},{"word":"yeah","start":1432.81,"end":1433.05,"confidence":0.99316406,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.10083223879337312},{"word":"we","start":1433.05,"end":1433.29,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13748286664485931},{"word":"can't","start":1433.29,"end":1433.61,"confidence":0.9770508,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.18071386218070984},{"word":"afford","start":1433.61,"end":1434.01,"confidence":1.0,"punctuated_word":"afford","sentiment":"neutral","sentiment_score":-0.19475805759429932},{"word":"for","start":1434.01,"end":1434.0901,"confidence":0.83251953,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1869487166404724},{"word":"our","start":1434.0901,"end":1434.3301,"confidence":0.9013672,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.20104064047336576},{"word":"super","start":1434.3301,"end":1434.65,"confidence":0.6791992,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.14690008759498596},{"word":"to","start":1434.65,"end":1434.73,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17872890830039978},{"word":"get","start":1434.73,"end":1434.97,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.15375569462776184},{"word":"too","start":1434.97,"end":1435.13,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.1393793225288391},{"word":"much","start":1435.13,"end":1435.4501,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.13674381375312805},{"word":"lower","start":1435.4501,"end":1435.9501,"confidence":0.9104004,"punctuated_word":"lower.","sentiment":"neutral","sentiment_score":-0.11461025476455688},{"word":"well","start":1437.37,"end":1437.61,"confidence":0.9699707,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.028568362817168236},{"word":"i","start":1437.61,"end":1437.6901,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.020757555961608887},{"word":"mean","start":1437.6901,"end":1438.0901,"confidence":0.9951172,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.033503249287605286},{"word":"without","start":1438.0901,"end":1438.5901,"confidence":0.99902344,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.06048579886555672},{"word":"us","start":1438.65,"end":1438.89,"confidence":0.9614258,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.08295358717441559},{"word":"spending","start":1438.89,"end":1439.29,"confidence":0.9902344,"punctuated_word":"spending","sentiment":"neutral","sentiment_score":-0.07512737810611725},{"word":"it","start":1439.29,"end":1439.77,"confidence":0.90283203,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0756058618426323},{"word":"so","start":1439.77,"end":1439.93,"confidence":0.46240234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02364392578601837},{"word":"okay","start":1440.18,"end":1440.68,"confidence":0.5619507,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.016389960423111916},{"word":"yeah","start":1446.895,"end":1447.395,"confidence":0.9172363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.021548250690102577},{"word":"yeah","start":1469.76,"end":1470.225,"confidence":0.8713379,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07244709879159927},{"word":"i'm","start":1470.3049,"end":1470.5449,"confidence":0.99658203,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08386151492595673},{"word":"not","start":1470.5449,"end":1470.705,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09254004061222076},{"word":"sure","start":1470.705,"end":1471.105,"confidence":0.98291016,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.10897953808307648},{"word":"probably","start":1471.105,"end":1471.4249,"confidence":0.94189453,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.10534079372882844},{"word":"a","start":1471.4249,"end":1471.585,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10914894938468932},{"word":"phone","start":1471.585,"end":1471.985,"confidence":0.97998047,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.10638249665498734},{"word":"call","start":1471.985,"end":1472.145,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.1013541966676712},{"word":"to","start":1472.145,"end":1472.385,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10699982941150664},{"word":"see","start":1472.385,"end":1472.5449,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.11201074719429016},{"word":"what","start":1472.5449,"end":1472.705,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10834075510501862},{"word":"you","start":1472.705,"end":1472.865,"confidence":0.82666016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10590535402297974},{"word":"just","start":1472.865,"end":1473.105,"confidence":0.64746094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10139664262533188},{"word":"recommend","start":1473.105,"end":1473.605,"confidence":0.7381592,"punctuated_word":"recommend.","sentiment":"neutral","sentiment_score":-0.08837108314037323},{"word":"but","start":1473.6649,"end":1473.905,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.030398061498999596},{"word":"yeah","start":1474.465,"end":1474.965,"confidence":0.9975586,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.014988734386861324},{"word":"yeah","start":1479.985,"end":1480.485,"confidence":0.94873047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015129223465919496},{"word":"well","start":1512.1,"end":1512.5,"confidence":0.9716797,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.07136259973049164},{"word":"we","start":1512.5,"end":1512.74,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11089673638343812},{"word":"want","start":1512.74,"end":1513.06,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.1211688369512558},{"word":"the","start":1513.06,"end":1513.3,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08151838183403015},{"word":"super","start":1513.3,"end":1513.8,"confidence":0.91015625,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.030911877751350403},{"word":"to","start":1514.26,"end":1514.5,"confidence":0.9472656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10940724611282349},{"word":"work","start":1514.5,"end":1514.8201,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.02291442453861237},{"word":"as","start":1514.8201,"end":1515.06,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06321410089731216},{"word":"long","start":1515.06,"end":1515.3,"confidence":0.99902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.0032683908939361572},{"word":"as","start":1515.3,"end":1515.54,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.07062890380620956},{"word":"possible","start":1515.54,"end":1516.04,"confidence":0.96875,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":-0.09339917451143263},{"word":"but","start":1516.1,"end":1516.6,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.09949757903814316},{"word":"we","start":1517.06,"end":1517.22,"confidence":0.97265625,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2205376923084259},{"word":"can't","start":1517.22,"end":1517.54,"confidence":0.9797363,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.2778778374195099},{"word":"really","start":1517.54,"end":1517.78,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.28309547901153564},{"word":"afford","start":1517.78,"end":1518.18,"confidence":1.0,"punctuated_word":"afford","sentiment":"neutral","sentiment_score":-0.32628920674324036},{"word":"the","start":1518.18,"end":1518.34,"confidence":0.99121094,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3545933663845062},{"word":"risk","start":1518.34,"end":1518.8201,"confidence":0.9941406,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.30760458111763},{"word":"to","start":1518.8201,"end":1519.06,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.32934021949768066},{"word":"try","start":1519.06,"end":1519.3,"confidence":0.9941406,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.18228545784950256},{"word":"and","start":1519.3,"end":1519.46,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15969501435756683},{"word":"get","start":1519.46,"end":1519.7,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.09127004444599152},{"word":"really","start":1519.7,"end":1520.2,"confidence":0.9980469,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.06926794350147247},{"word":"good","start":1520.42,"end":1520.92,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.05838058888912201},{"word":"returns","start":1521.14,"end":1521.64,"confidence":0.99853516,"punctuated_word":"returns.","sentiment":"neutral","sentiment_score":-0.0905044823884964},{"word":"so","start":1604.25,"end":1604.41,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.006861090660095215},{"word":"what","start":1604.41,"end":1604.65,"confidence":0.99121094,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.025842096656560894},{"word":"are","start":1604.65,"end":1604.73,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0300334133207798},{"word":"we","start":1604.73,"end":1604.97,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.013211224228143692},{"word":"on","start":1604.97,"end":1605.29,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.028673600405454636},{"word":"now","start":1605.29,"end":1605.69,"confidence":0.9758301,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":-0.012007450684905052},{"word":"sorry","start":1605.69,"end":1606.19,"confidence":0.9868164,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.06452812254428864},{"word":"would","start":1620.825,"end":1621.065,"confidence":0.9658203,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.06850649416446686},{"word":"be","start":1621.065,"end":1621.3049,"confidence":0.5361328,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09707218408584596},{"word":"be","start":1621.3049,"end":1621.5449,"confidence":0.48706055,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07598317414522171},{"word":"worthwhile","start":1621.5449,"end":1622.0449,"confidence":0.61621094,"punctuated_word":"worthwhile","sentiment":"neutral","sentiment_score":0.0578504353761673},{"word":"staying","start":1622.345,"end":1622.6649,"confidence":0.9614258,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":0.02960178256034851},{"word":"with","start":1622.6649,"end":1622.985,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03693617880344391},{"word":"that","start":1622.985,"end":1623.485,"confidence":0.76538086,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.036863747984170914},{"word":"i'm","start":1647.915,"end":1648.155,"confidence":0.8330078,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.34274381399154663},{"word":"not","start":1648.155,"end":1648.395,"confidence":0.99609375,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3936549723148346},{"word":"sure","start":1648.395,"end":1648.795,"confidence":0.9812012,"punctuated_word":"sure.","sentiment":"negative","sentiment_score":-0.39050376415252686},{"word":"i","start":1648.795,"end":1648.9551,"confidence":0.97314453,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4460991024971008},{"word":"mean","start":1648.9551,"end":1649.4551,"confidence":0.8532715,"punctuated_word":"mean,","sentiment":"negative","sentiment_score":-0.3808366358280182},{"word":"it's","start":1652.5,"end":1652.82,"confidence":0.9543457,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.4864981770515442},{"word":"hard","start":1652.82,"end":1653.32,"confidence":0.9802246,"punctuated_word":"hard.","sentiment":"negative","sentiment_score":-0.43098142743110657},{"word":"the","start":1653.46,"end":1653.7,"confidence":0.9741211,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.31206047534942627},{"word":"older","start":1653.7,"end":1654.02,"confidence":0.9863281,"punctuated_word":"older","sentiment":"negative","sentiment_score":-0.3518920838832855},{"word":"you","start":1654.02,"end":1654.1799,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2953336834907532},{"word":"get","start":1654.1799,"end":1654.4199,"confidence":0.9675293,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":-0.30462902784347534},{"word":"the","start":1654.4199,"end":1654.58,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3326731026172638},{"word":"more","start":1654.58,"end":1654.74,"confidence":1.0,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.3796928822994232},{"word":"you","start":1654.74,"end":1654.9,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.421053946018219},{"word":"wanna","start":1654.9,"end":1655.4,"confidence":0.9873047,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.48091745376586914},{"word":"not","start":1655.94,"end":1656.26,"confidence":0.92578125,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5063770413398743},{"word":"have","start":1656.26,"end":1656.4199,"confidence":0.9980469,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.5284547805786133},{"word":"too","start":1656.4199,"end":1656.58,"confidence":0.8911133,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.5543743968009949},{"word":"much","start":1656.58,"end":1656.9,"confidence":0.9980469,"punctuated_word":"much","sentiment":"negative","sentiment_score":-0.3858925998210907},{"word":"of","start":1656.9,"end":1657.0599,"confidence":0.96533203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3065391480922699},{"word":"a","start":1657.0599,"end":1657.14,"confidence":0.95703125,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4660170674324035},{"word":"risk","start":1657.14,"end":1657.64,"confidence":0.92822266,"punctuated_word":"risk.","sentiment":"negative","sentiment_score":-0.4003445506095886},{"word":"yeah","start":1665.5399,"end":1666.0399,"confidence":0.8137207,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.005320567637681961},{"word":"yeah","start":1735.445,"end":1735.945,"confidence":0.9145508,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06220506876707077},{"word":"and","start":1736.4299,"end":1736.6699,"confidence":0.31958008,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02518341690301895},{"word":"just","start":1736.6699,"end":1736.9099,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.018065113574266434},{"word":"a","start":1736.9099,"end":1737.07,"confidence":0.8745117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008433669805526733},{"word":"question","start":1737.07,"end":1737.57,"confidence":0.7895508,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":-0.003137141466140747},{"word":"peep","start":1738.75,"end":1739.1499,"confidence":0.5432129,"punctuated_word":"Peep","sentiment":"neutral","sentiment_score":-0.03736590594053269},{"word":"people","start":1739.47,"end":1739.95,"confidence":0.99609375,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.030677948147058487},{"word":"our","start":1739.95,"end":1740.19,"confidence":0.97998047,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.0386495515704155},{"word":"age","start":1740.19,"end":1740.59,"confidence":0.99902344,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.06288398802280426},{"word":"with","start":1740.59,"end":1740.9099,"confidence":0.9448242,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05132284760475159},{"word":"roughly","start":1740.9099,"end":1741.3899,"confidence":0.99609375,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":-0.04599563777446747},{"word":"what","start":1741.3899,"end":1741.8899,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.048871979117393494},{"word":"we","start":1741.95,"end":1742.19,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04525498300790787},{"word":"got","start":1742.19,"end":1742.59,"confidence":0.9523926,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":-0.062331072986125946},{"word":"what","start":1742.59,"end":1742.83,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08769439905881882},{"word":"do","start":1742.83,"end":1743.07,"confidence":0.73876953,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06705711781978607},{"word":"they","start":1743.07,"end":1743.3099,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.03633786737918854},{"word":"normally","start":1743.3099,"end":1743.71,"confidence":1.0,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":-0.029938548803329468},{"word":"do","start":1743.71,"end":1744.21,"confidence":0.9995117,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":-0.04737664014101029},{"word":"yeah","start":1748.75,"end":1749.25,"confidence":0.9765625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02490866184234619},{"word":"yeah","start":1808.6549,"end":1809.0549,"confidence":0.9741211,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014476228505373},{"word":"so","start":1809.0549,"end":1809.2949,"confidence":0.9550781,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.007865481078624725},{"word":"the","start":1809.2949,"end":1809.7949,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0014115869998931885},{"word":"fifty","start":1809.9349,"end":1810.4149,"confidence":0.9970703,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":-0.0014153122901916504},{"word":"fifty","start":1810.4149,"end":1810.8949,"confidence":0.96435547,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.027850225567817688},{"word":"is","start":1810.8949,"end":1811.215,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.033316075801849365},{"word":"more","start":1811.215,"end":1811.5349,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.03312693536281586},{"word":"of","start":1811.5349,"end":1811.695,"confidence":0.87158203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04298761487007141},{"word":"a","start":1811.695,"end":1811.855,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07085080444812775},{"word":"risk","start":1811.855,"end":1812.1749,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.08172391355037689},{"word":"than","start":1812.1749,"end":1812.4149,"confidence":0.9921875,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.09583888947963716},{"word":"the","start":1812.4149,"end":1812.575,"confidence":0.9086914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06444799900054932},{"word":"seventy","start":1812.575,"end":1813.0549,"confidence":0.99316406,"punctuated_word":"seventy","sentiment":"neutral","sentiment_score":-0.08158644288778305},{"word":"thirty","start":1813.0549,"end":1813.5549,"confidence":0.91430664,"punctuated_word":"thirty.","sentiment":"neutral","sentiment_score":-0.09144045412540436},{"word":"yep","start":1818.735,"end":1819.235,"confidence":0.98339844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1029628962278366},{"word":"okay","start":1840.0951,"end":1840.5951,"confidence":0.85595703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11690935492515564},{"word":"so","start":1840.655,"end":1840.9751,"confidence":0.7915039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11369897425174712},{"word":"the","start":1840.9751,"end":1841.135,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19364897906780243},{"word":"fifty","start":1841.135,"end":1841.535,"confidence":0.99902344,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.19802358746528623},{"word":"fifty","start":1841.535,"end":1841.935,"confidence":0.9741211,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.16886398196220398},{"word":"is","start":1841.935,"end":1842.175,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11504566669464111},{"word":"sorta","start":1842.175,"end":1842.675,"confidence":0.8959961,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.1698496639728546},{"word":"average","start":1842.7351,"end":1843.2351,"confidence":0.93774414,"punctuated_word":"average.","sentiment":"neutral","sentiment_score":0.1729731559753418},{"word":"yeah","start":1895.155,"end":1895.655,"confidence":0.86987305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08472710847854614},{"word":"no","start":1914.945,"end":1915.265,"confidence":0.74194336,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.04102851077914238},{"word":"that","start":1915.265,"end":1915.585,"confidence":0.97509766,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.3000870645046234},{"word":"sounds","start":1915.585,"end":1915.905,"confidence":0.97802734,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.38491249084472656},{"word":"good","start":1915.905,"end":1916.225,"confidence":0.92163086,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.34110328555107117},{"word":"thanks","start":1916.225,"end":1916.725,"confidence":0.8991699,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5086965560913086},{"word":"i","start":1932.6001,"end":1932.76,"confidence":0.84765625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16734479367733002},{"word":"mean","start":1932.76,"end":1933.0,"confidence":0.9875488,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.1542370319366455},{"word":"we","start":1933.0,"end":1933.2401,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.19911041855812073},{"word":"don't","start":1933.2401,"end":1933.4801,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2013365924358368},{"word":"really","start":1933.4801,"end":1933.8,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.2060818076133728},{"word":"understand","start":1933.8,"end":1934.3,"confidence":0.9970703,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.2464435249567032},{"word":"it","start":1934.52,"end":1934.76,"confidence":0.66918945,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.23660382628440857},{"word":"so","start":1934.76,"end":1935.26,"confidence":0.9277344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05787453055381775},{"word":"there","start":1936.76,"end":1937.0,"confidence":0.4267578,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.010235164314508438},{"word":"is","start":1937.0,"end":1937.16,"confidence":0.48339844,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.008293438702821732},{"word":"and","start":1937.16,"end":1937.3201,"confidence":0.7314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.005720585584640503},{"word":"whatever","start":1937.3201,"end":1937.8201,"confidence":0.9916992,"punctuated_word":"whatever.","sentiment":"neutral","sentiment_score":0.03692401945590973},{"word":"yep","start":1963.17,"end":1963.65,"confidence":0.85546875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1678560972213745},{"word":"thanks","start":1963.65,"end":1964.15,"confidence":0.98535156,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.39039504528045654},{"word":"no","start":2008.8251,"end":2008.9851,"confidence":0.97265625,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05394089594483375},{"word":"that's","start":2008.9851,"end":2009.305,"confidence":0.9921875,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0462808832526207},{"word":"all","start":2009.305,"end":2009.805,"confidence":0.96606445,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.01487700454890728},{"word":"thanks","start":2009.9451,"end":2010.4451,"confidence":0.77734375,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.49949926137924194},{"word":"yeah","start":2021.79,"end":2022.29,"confidence":0.6665039,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1150488406419754},{"word":"not","start":2022.91,"end":2023.15,"confidence":0.7651367,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.03141789883375168},{"word":"much","start":2023.15,"end":2023.65,"confidence":0.9602051,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.042054153978824615},{"word":"yeah","start":2032.765,"end":2033.085,"confidence":0.9658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02276620641350746},{"word":"it's","start":2033.085,"end":2033.165,"confidence":0.99316406,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.028409987688064575},{"word":"a","start":2033.165,"end":2033.325,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.027508854866027832},{"word":"couple","start":2033.325,"end":2033.5651,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.0357041172683239},{"word":"of","start":2033.5651,"end":2033.725,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.025961747393012047},{"word":"weeks'","start":2033.725,"end":2034.045,"confidence":0.70043945,"punctuated_word":"weeks'","sentiment":"neutral","sentiment_score":0.013934154063463213},{"word":"worth","start":2034.045,"end":2034.285,"confidence":0.90966797,"punctuated_word":"worth.","sentiment":"neutral","sentiment_score":0.00966312550008297},{"word":"yeah","start":2034.285,"end":2034.785,"confidence":0.87109375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03260260820388794},{"word":"yeah","start":2059.06,"end":2059.56,"confidence":0.96118164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04795505106449127},{"word":"yeah","start":2119.205,"end":2119.5251,"confidence":0.9848633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20411907136440277},{"word":"so","start":2119.5251,"end":2119.7651,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.28322017192840576},{"word":"it's","start":2119.7651,"end":2120.0051,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3671231269836426},{"word":"worthwhile","start":2120.0051,"end":2120.5051,"confidence":0.9633789,"punctuated_word":"worthwhile","sentiment":"neutral","sentiment_score":0.3126307427883148},{"word":"doing","start":2120.565,"end":2121.065,"confidence":0.571167,"punctuated_word":"doing.","sentiment":"positive","sentiment_score":0.40935081243515015},{"word":"not","start":2132.3098,"end":2132.71,"confidence":0.97509766,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.0912933349609375},{"word":"really","start":2132.71,"end":2133.0298,"confidence":0.9160156,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":-0.02485116943717003},{"word":"but","start":2133.0298,"end":2133.3499,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.021037757396698},{"word":"i","start":2133.3499,"end":2133.51,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07239878922700882},{"word":"bring","start":2133.51,"end":2133.8298,"confidence":0.9921875,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.0629843920469284},{"word":"home","start":2133.8298,"end":2134.3298,"confidence":0.99609375,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.023490332067012787},{"word":"about","start":2136.0698,"end":2136.5698,"confidence":0.8881836,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05662713944911957},{"word":"500","start":2136.8699,"end":2137.69,"confidence":0.9995117,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.205359548330307},{"word":"most","start":2137.75,"end":2138.0698,"confidence":0.4267578,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.1260470300912857},{"word":"sweets","start":2138.0698,"end":2138.5698,"confidence":0.78808594,"punctuated_word":"sweets.","sentiment":"neutral","sentiment_score":0.14504462480545044},{"word":"well","start":2149.565,"end":2149.8848,"confidence":0.9160156,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.042316533625125885},{"word":"if","start":2149.8848,"end":2150.045,"confidence":0.9716797,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07483434677124023},{"word":"i","start":2150.045,"end":2150.2048,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11282120645046234},{"word":"work","start":2150.2048,"end":2150.4448,"confidence":0.8569336,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.05189003422856331},{"word":"the","start":2150.4448,"end":2150.605,"confidence":0.82470703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11542743444442748},{"word":"sixteen","start":2150.605,"end":2151.085,"confidence":0.9970703,"punctuated_word":"sixteen","sentiment":"neutral","sentiment_score":0.10544072091579436},{"word":"hours","start":2151.085,"end":2151.4849,"confidence":1.0,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.05182049050927162},{"word":"a","start":2151.4849,"end":2151.6448,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11236171424388884},{"word":"week","start":2151.6448,"end":2152.1448,"confidence":0.98950195,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.068869948387146},{"word":"i","start":2153.1648,"end":2153.4048,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10486342757940292},{"word":"bring","start":2153.4048,"end":2153.6448,"confidence":0.9243164,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.09473055601119997},{"word":"home","start":2153.6448,"end":2153.9648,"confidence":0.99121094,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.10511983186006546},{"word":"$5.39","start":2153.9648,"end":2155.1648,"confidence":0.95251465,"punctuated_word":"$5.39.","sentiment":"neutral","sentiment_score":0.0868472307920456},{"word":"so","start":2155.1648,"end":2155.4048,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1046912670135498},{"word":"it","start":2155.4048,"end":2155.4849,"confidence":0.9790039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13293349742889404},{"word":"would","start":2155.4849,"end":2155.7249,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1773759126663208},{"word":"only","start":2155.7249,"end":2156.045,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.13137187063694},{"word":"be","start":2156.045,"end":2156.2048,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10458925366401672},{"word":"about","start":2156.2048,"end":2156.7048,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10916343331336976},{"word":"$30","start":2156.845,"end":2157.4849,"confidence":0.99902344,"punctuated_word":"$30","sentiment":"neutral","sentiment_score":0.1547524333000183},{"word":"tax","start":2157.4849,"end":2157.81,"confidence":0.9921875,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.17185519635677338},{"word":"on","start":2157.8901,"end":2158.05,"confidence":0.9902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1843043565750122},{"word":"that","start":2158.05,"end":2158.29,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1563950777053833},{"word":"at","start":2158.29,"end":2158.61,"confidence":0.91748047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14517942070961},{"word":"the","start":2158.61,"end":2158.69,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1293577402830124},{"word":"most","start":2158.69,"end":2159.01,"confidence":0.8808594,"punctuated_word":"most,","sentiment":"neutral","sentiment_score":0.09391175210475922},{"word":"i","start":2159.01,"end":2159.09,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13406974077224731},{"word":"reckon","start":2159.09,"end":2159.59,"confidence":0.89819336,"punctuated_word":"reckon.","sentiment":"neutral","sentiment_score":0.13378986716270447},{"word":"five","start":2162.1301,"end":2162.45,"confidence":0.5649414,"punctuated_word":"Five","sentiment":"neutral","sentiment_score":0.1862097978591919},{"word":"$5.70","start":2162.45,"end":2163.4102,"confidence":0.95947266,"punctuated_word":"$5.70","sentiment":"neutral","sentiment_score":0.08882822841405869},{"word":"or","start":2163.4102,"end":2163.57,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0916513055562973},{"word":"something","start":2163.57,"end":2164.07,"confidence":0.9511719,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.08593332767486572},{"word":"yeah","start":2171.33,"end":2171.83,"confidence":0.86694336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16192078590393066},{"word":"if","start":2172.69,"end":2172.9302,"confidence":0.99316406,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.12243454903364182},{"word":"i","start":2172.9302,"end":2173.01,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0793524980545044},{"word":"would","start":2173.01,"end":2173.51,"confidence":0.30786133,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.09283684194087982},{"word":"work","start":2173.875,"end":2174.115,"confidence":0.9941406,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.05605754256248474},{"word":"at","start":2174.115,"end":2174.615,"confidence":0.9838867,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0582810640335083},{"word":"all","start":2177.795,"end":2178.045,"confidence":0.8664551,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.06846445798873901},{"word":"yeah","start":2178.045,"end":2178.545,"confidence":0.9367676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10714311897754668},{"word":"okay","start":2262.825,"end":2263.325,"confidence":0.97802734,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3491489291191101},{"word":"that'll","start":2264.585,"end":2264.985,"confidence":0.59472656,"punctuated_word":"That'll","sentiment":"positive","sentiment_score":0.5277283191680908},{"word":"be","start":2264.985,"end":2265.065,"confidence":0.9892578,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5776060223579407},{"word":"worth","start":2265.065,"end":2265.465,"confidence":0.6855469,"punctuated_word":"worth","sentiment":"positive","sentiment_score":0.426028311252594},{"word":"all","start":2265.465,"end":2265.705,"confidence":0.37109375,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4944817721843719},{"word":"doing","start":2265.705,"end":2266.205,"confidence":0.9926758,"punctuated_word":"doing.","sentiment":"positive","sentiment_score":0.495042085647583},{"word":"yes","start":2274.8499,"end":2275.3499,"confidence":0.82470703,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.30556684732437134},{"word":"yes","start":2295.825,"end":2296.325,"confidence":0.8408203,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.009852061979472635},{"word":"yep","start":2334.0,"end":2334.5,"confidence":0.95458984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21806173026561737},{"word":"that's","start":2336.24,"end":2336.48,"confidence":0.625,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.012099786661565304},{"word":"the","start":2336.48,"end":2336.6401,"confidence":0.875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012617792934179306},{"word":"question","start":2336.6401,"end":2337.1401,"confidence":0.9658203,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":-0.03859856724739075},{"word":"does","start":2337.52,"end":2337.84,"confidence":0.9506836,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.10818059742450714},{"word":"the","start":2337.84,"end":2338.08,"confidence":0.9165039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09980874508619308},{"word":"government","start":2338.08,"end":2338.58,"confidence":0.99902344,"punctuated_word":"government","sentiment":"neutral","sentiment_score":-0.03420072793960571},{"word":"i","start":2339.345,"end":2339.505,"confidence":0.96533203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07840628921985626},{"word":"know","start":2339.505,"end":2339.7449,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06753548234701157},{"word":"years","start":2339.7449,"end":2340.1448,"confidence":0.97314453,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.0406823456287384},{"word":"ago","start":2340.1448,"end":2340.625,"confidence":1.0,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":-0.036720432341098785},{"word":"when","start":2340.625,"end":2340.865,"confidence":0.6791992,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.002239912748336792},{"word":"i","start":2340.865,"end":2341.025,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0013730749487876892},{"word":"was","start":2341.025,"end":2341.345,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0005709528923034668},{"word":"working","start":2341.345,"end":2341.825,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.06200074404478073},{"word":"for","start":2341.825,"end":2341.9849,"confidence":0.9902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.007721811532974243},{"word":"someone","start":2341.9849,"end":2342.305,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.009392648935317991},{"word":"else","start":2342.305,"end":2342.7048,"confidence":0.9616699,"punctuated_word":"else,","sentiment":"neutral","sentiment_score":-0.025460733100771904},{"word":"i","start":2342.7048,"end":2342.865,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.042540885508060455},{"word":"put","start":2342.865,"end":2343.1848,"confidence":0.94970703,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.003804437816143036},{"word":"$20","start":2343.1848,"end":2343.9048,"confidence":1.0,"punctuated_word":"$20","sentiment":"neutral","sentiment_score":0.03609529137611389},{"word":"in","start":2343.9048,"end":2344.065,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03964116424322128},{"word":"a","start":2344.065,"end":2344.565,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03511359170079231},{"word":"week","start":2345.025,"end":2345.265,"confidence":0.9790039,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.006137780845165253},{"word":"to","start":2345.265,"end":2345.4248,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02751634269952774},{"word":"my","start":2345.4248,"end":2345.6648,"confidence":0.9453125,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.04467596113681793},{"word":"super","start":2345.6648,"end":2346.1448,"confidence":0.5461426,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.09430249035358428},{"word":"and","start":2346.1448,"end":2346.4648,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0036079660058021545},{"word":"the","start":2346.4648,"end":2346.9648,"confidence":0.9277344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016170203685760498},{"word":"government","start":2347.025,"end":2347.525,"confidence":0.99902344,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.035929158329963684},{"word":"had","start":2347.585,"end":2347.825,"confidence":0.9892578,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.07759661227464676},{"word":"to","start":2347.825,"end":2347.9849,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07302603125572205},{"word":"match","start":2347.9849,"end":2348.4849,"confidence":0.9941406,"punctuated_word":"match","sentiment":"neutral","sentiment_score":0.034999534487724304},{"word":"up","start":2348.785,"end":2348.9448,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.012098357081413267},{"word":"to","start":2348.9448,"end":2349.025,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.019491784274578094},{"word":"a","start":2349.025,"end":2349.1848,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02169616147875786},{"word":"certain","start":2349.1848,"end":2349.505,"confidence":1.0,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":-0.02408827841281891},{"word":"amount","start":2349.505,"end":2349.9048,"confidence":0.9724121,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":-0.048059772700071335},{"word":"do","start":2349.9048,"end":2350.065,"confidence":0.9550781,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.093094140291214},{"word":"they","start":2350.065,"end":2350.2249,"confidence":0.98095703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.06609318405389786},{"word":"still","start":2350.2249,"end":2350.545,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.06672672927379608},{"word":"do","start":2350.545,"end":2350.7048,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0466068834066391},{"word":"that","start":2350.7048,"end":2351.2048,"confidence":0.9980469,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.016244370490312576},{"word":"yep","start":2388.04,"end":2388.54,"confidence":0.85424805,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14582805335521698},{"word":"yep","start":2401.375,"end":2401.875,"confidence":0.9025879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.162514790892601},{"word":"so","start":2451.135,"end":2451.375,"confidence":0.5078125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02610538899898529},{"word":"i'd","start":2451.375,"end":2451.535,"confidence":0.7446289,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.07387759536504745},{"word":"be","start":2451.535,"end":2451.7751,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1182817369699478},{"word":"better","start":2451.7751,"end":2452.0151,"confidence":0.9951172,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.01164337992668152},{"word":"off","start":2452.0151,"end":2452.2551,"confidence":0.98535156,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.1185811311006546},{"word":"in","start":2452.2551,"end":2452.335,"confidence":0.3163452,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.09691056609153748},{"word":"like","start":2452.335,"end":2452.655,"confidence":0.9921875,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.12728524208068848},{"word":"twenty","start":2452.655,"end":2452.975,"confidence":0.99121094,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.1723821759223938},{"word":"minutes","start":2452.975,"end":2453.475,"confidence":0.7434082,"punctuated_word":"minutes.","sentiment":"neutral","sentiment_score":0.1102636456489563},{"word":"okay","start":2473.0999,"end":2473.5999,"confidence":0.98583984,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4803216159343719},{"word":"yeah","start":2515.0898,"end":2515.41,"confidence":0.94628906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07154424488544464},{"word":"well","start":2515.41,"end":2515.65,"confidence":0.97094727,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.054009176790714264},{"word":"i'll","start":2515.65,"end":2515.81,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07180151343345642},{"word":"do","start":2515.81,"end":2516.05,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08770494163036346},{"word":"that","start":2516.05,"end":2516.29,"confidence":0.9941406,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07783211767673492},{"word":"i","start":2516.29,"end":2516.45,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0005212351679801941},{"word":"just","start":2516.45,"end":2516.93,"confidence":0.96240234,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.002785518765449524},{"word":"won't","start":2516.93,"end":2517.25,"confidence":0.9848633,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.017047462984919548},{"word":"claim","start":2517.25,"end":2517.57,"confidence":0.99121094,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.01558832824230194},{"word":"it","start":2517.57,"end":2518.07,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.01799781620502472},{"word":"yeah","start":2527.97,"end":2528.29,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1369743049144745},{"word":"i'll","start":2528.29,"end":2528.53,"confidence":0.9267578,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.13505558669567108},{"word":"be","start":2528.53,"end":2528.69,"confidence":0.9921875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1399751901626587},{"word":"making","start":2528.69,"end":2529.01,"confidence":0.9980469,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.12964147329330444},{"word":"it","start":2529.01,"end":2529.17,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2167675644159317},{"word":"for","start":2529.17,"end":2529.41,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09968378394842148},{"word":"a","start":2529.41,"end":2529.57,"confidence":0.96875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13517308235168457},{"word":"while","start":2529.57,"end":2530.07,"confidence":0.84594727,"punctuated_word":"while.","sentiment":"neutral","sentiment_score":0.15315192937850952},{"word":"a","start":2530.255,"end":2530.415,"confidence":0.87060547,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.07683857530355453},{"word":"few","start":2530.415,"end":2530.575,"confidence":0.9951172,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.04813533276319504},{"word":"years","start":2530.575,"end":2531.075,"confidence":0.9472656,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.08694959431886673},{"word":"for","start":2531.375,"end":2531.875,"confidence":0.40820312,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3112141489982605},{"word":"me","start":2541.775,"end":2542.275,"confidence":0.9975586,"punctuated_word":"me.","sentiment":"positive","sentiment_score":0.3513401746749878},{"word":"yeah","start":2547.51,"end":2548.01,"confidence":0.83813477,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10746276378631592},{"word":"no","start":2556.87,"end":2557.1902,"confidence":0.8562012,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.022046057507395744},{"word":"i","start":2557.1902,"end":2557.35,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01134423352777958},{"word":"do","start":2557.35,"end":2557.51,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.008447524160146713},{"word":"have","start":2557.51,"end":2557.75,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.009187469258904455},{"word":"a","start":2557.75,"end":2557.83,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.018818456679582596},{"word":"question","start":2557.83,"end":2558.31,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.02113812230527401},{"word":"about","start":2558.31,"end":2558.55,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.02862744778394699},{"word":"the","start":2558.55,"end":2558.79,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024989446625113487},{"word":"email","start":2558.79,"end":2559.27,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.013471420854330065},{"word":"i","start":2559.27,"end":2559.4302,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01924392767250538},{"word":"got","start":2559.4302,"end":2559.6702,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.018735196441411972},{"word":"from","start":2559.6702,"end":2560.155,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.01785675436258316},{"word":"kendall","start":2560.395,"end":2560.555,"confidence":0.70410156,"punctuated_word":"Kendall.","sentiment":"neutral","sentiment_score":-0.01952794194221497},{"word":"is","start":2560.555,"end":2561.055,"confidence":0.9375,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.003676113672554493},{"word":"it","start":2565.7551,"end":2566.075,"confidence":0.9807129,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.014359108172357082},{"word":"those","start":2566.075,"end":2566.475,"confidence":0.9316406,"punctuated_word":"Those","sentiment":"neutral","sentiment_score":-0.0021052751690149307},{"word":"forms","start":2566.475,"end":2566.955,"confidence":0.99121094,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":-0.001002224162220955},{"word":"that","start":2566.955,"end":2567.195,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006235919892787933},{"word":"he","start":2567.195,"end":2567.355,"confidence":0.99902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.007327595725655556},{"word":"sent","start":2567.355,"end":2567.675,"confidence":0.9970703,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":-0.007675141096115112},{"word":"me","start":2567.675,"end":2567.915,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0002087131142616272},{"word":"to","start":2567.915,"end":2568.235,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002647290006279946},{"word":"sign","start":2568.235,"end":2568.735,"confidence":0.9807129,"punctuated_word":"sign,","sentiment":"neutral","sentiment_score":-0.009019243530929089},{"word":"that's","start":2571.435,"end":2571.835,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0037026810459792614},{"word":"got","start":2571.835,"end":2572.075,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.01706637814640999},{"word":"a","start":2572.075,"end":2572.235,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005309400148689747},{"word":"$20,000","start":2572.235,"end":2573.535,"confidence":0.9980469,"punctuated_word":"$20,000","sentiment":"neutral","sentiment_score":0.00026582926511764526},{"word":"that's","start":2578.9,"end":2579.22,"confidence":0.9863281,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.007247097324579954},{"word":"the","start":2579.22,"end":2579.38,"confidence":0.9453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004807370714843273},{"word":"20","start":2579.38,"end":2579.7,"confidence":1.0,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.0005010189488530159},{"word":"thousand","start":2579.7,"end":2580.0999,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.010119806975126266},{"word":"dollars","start":2580.0999,"end":2580.5,"confidence":0.9970703,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.003403611481189728},{"word":"i","start":2580.5,"end":2580.66,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.025594562292099},{"word":"took","start":2580.66,"end":2580.9,"confidence":0.9980469,"punctuated_word":"took","sentiment":"neutral","sentiment_score":-0.025880873203277588},{"word":"out","start":2580.9,"end":2581.14,"confidence":0.9941406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.013205906376242638},{"word":"to","start":2581.14,"end":2581.22,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.035456251353025436},{"word":"go","start":2581.22,"end":2581.38,"confidence":0.9941406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.03252457082271576},{"word":"on","start":2581.38,"end":2581.54,"confidence":0.96777344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0375712551176548},{"word":"holidays","start":2581.54,"end":2582.04,"confidence":0.83618164,"punctuated_word":"holidays.","sentiment":"neutral","sentiment_score":-0.03287094458937645},{"word":"is","start":2583.14,"end":2583.46,"confidence":0.71777344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.010027656331658363},{"word":"part","start":2583.46,"end":2583.7,"confidence":0.9770508,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.009977208450436592},{"word":"of","start":2583.7,"end":2583.8599,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0064627546817064285},{"word":"that","start":2583.8599,"end":2584.3599,"confidence":0.7687988,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.012701921164989471},{"word":"if","start":2588.095,"end":2588.335,"confidence":0.94189453,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.02127619087696075},{"word":"i","start":2588.335,"end":2588.415,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0222154650837183},{"word":"can","start":2588.415,"end":2588.655,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.030571898445487022},{"word":"read","start":2588.655,"end":2588.975,"confidence":0.99902344,"punctuated_word":"read","sentiment":"neutral","sentiment_score":-0.037578411400318146},{"word":"it","start":2588.975,"end":2589.135,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.036805927753448486},{"word":"properly","start":2589.135,"end":2589.635,"confidence":0.7817383,"punctuated_word":"properly.","sentiment":"neutral","sentiment_score":-0.011467751115560532},{"word":"yeah","start":2594.0151,"end":2594.5151,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05800054222345352},{"word":"i","start":2600.23,"end":2600.31,"confidence":0.9550781,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12243861705064774},{"word":"mean","start":2600.31,"end":2600.81,"confidence":0.9897461,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.14843927323818207},{"word":"i","start":2600.95,"end":2601.03,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15390917658805847},{"word":"can't","start":2601.03,"end":2601.35,"confidence":0.65515137,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.12006222456693648},{"word":"get","start":2601.35,"end":2601.51,"confidence":0.7675781,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.15562601387500763},{"word":"into","start":2601.51,"end":2601.99,"confidence":0.59472656,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.11794449388980864},{"word":"my","start":2601.99,"end":2602.23,"confidence":0.9277344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.1583303064107895},{"word":"emails","start":2602.23,"end":2602.73,"confidence":0.9404297,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":-0.1188581883907318},{"word":"on","start":2602.79,"end":2603.03,"confidence":0.9760742,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.11029593646526337},{"word":"my","start":2603.03,"end":2603.27,"confidence":0.9892578,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.12787288427352905},{"word":"computer","start":2603.27,"end":2603.77,"confidence":0.7734375,"punctuated_word":"computer.","sentiment":"neutral","sentiment_score":-0.08196515589952469},{"word":"but","start":2603.99,"end":2604.23,"confidence":0.86328125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0978979766368866},{"word":"it's","start":2620.135,"end":2620.5352,"confidence":0.7147217,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.07909803092479706},{"word":"not","start":2620.5352,"end":2620.7751,"confidence":0.99316406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10430558770895004},{"word":"there","start":2620.7751,"end":2621.095,"confidence":0.5449219,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.11542752385139464},{"word":"now","start":2621.095,"end":2621.495,"confidence":0.93066406,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.1196957230567932},{"word":"but","start":2621.495,"end":2621.735,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.09531477093696594},{"word":"it","start":2621.735,"end":2621.815,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06840355694293976},{"word":"was","start":2621.815,"end":2622.055,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.050018832087516785},{"word":"before","start":2622.055,"end":2622.455,"confidence":0.9970703,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.04320261627435684},{"word":"there","start":2622.455,"end":2622.955,"confidence":0.67614746,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.059872716665267944},{"word":"maybe","start":2629.0151,"end":2629.5151,"confidence":0.7680664,"punctuated_word":"Maybe.","sentiment":"neutral","sentiment_score":0.016248458996415138},{"word":"so","start":2643.06,"end":2643.22,"confidence":0.36523438,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05842847749590874},{"word":"i","start":2643.22,"end":2643.3,"confidence":0.9770508,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06789395213127136},{"word":"just","start":2643.3,"end":2643.62,"confidence":0.9375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06177810952067375},{"word":"sign","start":2643.62,"end":2643.86,"confidence":0.78759766,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.03655657917261124},{"word":"it","start":2643.86,"end":2644.02,"confidence":0.9614258,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07498785853385925},{"word":"and","start":2644.02,"end":2644.26,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.033619772642850876},{"word":"send","start":2644.26,"end":2644.5,"confidence":0.9980469,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.03497924655675888},{"word":"it","start":2644.5,"end":2644.6602,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05309088155627251},{"word":"back","start":2644.6602,"end":2645.1602,"confidence":0.82910156,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.04930432140827179},{"word":"yeah","start":2649.275,"end":2649.515,"confidence":0.9770508,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04499948769807816},{"word":"because","start":2649.515,"end":2649.915,"confidence":0.9951172,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.012255534529685974},{"word":"the","start":2649.915,"end":2650.075,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02266327291727066},{"word":"first","start":2650.075,"end":2650.315,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.023856818675994873},{"word":"one","start":2650.315,"end":2650.555,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.022268950939178467},{"word":"is","start":2650.555,"end":2651.035,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.004991419613361359},{"word":"transaction","start":2651.035,"end":2651.535,"confidence":0.9892578,"punctuated_word":"transaction","sentiment":"neutral","sentiment_score":0.03724933788180351},{"word":"without","start":2651.675,"end":2652.155,"confidence":0.99609375,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.02615403383970261},{"word":"advice","start":2652.155,"end":2652.655,"confidence":0.8964844,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":-0.008369707502424717},{"word":"withdraw","start":2653.755,"end":2654.255,"confidence":0.9560547,"punctuated_word":"Withdraw","sentiment":"neutral","sentiment_score":-0.0009770942851901054},{"word":"$20,000","start":2654.315,"end":2655.435,"confidence":0.87280273,"punctuated_word":"$20,000","sentiment":"neutral","sentiment_score":0.025086184963583943},{"word":"from","start":2655.435,"end":2655.675,"confidence":0.98828125,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.0011619031429290771},{"word":"my","start":2655.675,"end":2655.835,"confidence":0.94628906,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.0013465303927659988},{"word":"yep","start":2662.8499,"end":2663.01,"confidence":0.77368164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.025496218353509903},{"word":"yeah","start":2663.01,"end":2663.51,"confidence":0.9812012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.002541022375226021},{"word":"january","start":2663.73,"end":2664.2998,"confidence":0.93570966,"punctuated_word":"January","sentiment":"neutral","sentiment_score":-0.013700153678655624},{"word":"12","start":2664.2998,"end":2664.8696,"confidence":0.93570966,"punctuated_word":"12,","sentiment":"neutral","sentiment_score":0.003278147429227829},{"word":"we","start":2665.3298,"end":2665.65,"confidence":0.5336914,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01206078752875328},{"word":"started","start":2665.65,"end":2666.13,"confidence":0.92626953,"punctuated_word":"started,","sentiment":"neutral","sentiment_score":-0.02596006542444229},{"word":"but","start":2666.13,"end":2666.3699,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08641088753938675},{"word":"then","start":2666.3699,"end":2666.8699,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.12351684272289276},{"word":"we","start":2667.41,"end":2667.5698,"confidence":0.984375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.20275738835334775},{"word":"had","start":2667.5698,"end":2667.8098,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.261138379573822},{"word":"trouble","start":2667.8098,"end":2668.2898,"confidence":0.9970703,"punctuated_word":"trouble","sentiment":"neutral","sentiment_score":-0.26058056950569153},{"word":"because","start":2668.2898,"end":2668.5298,"confidence":0.9790039,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2836521863937378},{"word":"it","start":2668.5298,"end":2668.69,"confidence":0.9707031,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.34570688009262085},{"word":"was","start":2668.69,"end":2668.93,"confidence":0.99902344,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.3434130847454071},{"word":"frank's","start":2668.93,"end":2669.3298,"confidence":0.8547363,"punctuated_word":"Frank's","sentiment":"negative","sentiment_score":-0.40150222182273865},{"word":"signature","start":2669.3298,"end":2669.8298,"confidence":0.9951172,"punctuated_word":"signature","sentiment":"negative","sentiment_score":-0.40234315395355225},{"word":"coming","start":2669.89,"end":2670.21,"confidence":0.99902344,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.30206263065338135},{"word":"up","start":2670.21,"end":2670.3699,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.22709809243679047},{"word":"on","start":2670.3699,"end":2670.5298,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.198205828666687},{"word":"it","start":2670.5298,"end":2670.69,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.18199186027050016},{"word":"all","start":2670.69,"end":2670.8499,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.2466079294681549},{"word":"the","start":2670.8499,"end":2671.01,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1985449343919754},{"word":"time","start":2671.01,"end":2671.51,"confidence":0.9663086,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.20193935930728912},{"word":"so","start":2673.295,"end":2673.5352,"confidence":0.87841797,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03903157263994217},{"word":"i","start":2673.5352,"end":2673.615,"confidence":0.7167969,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07202175259590149},{"word":"had","start":2673.615,"end":2673.7751,"confidence":0.21960449,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.07302376627922058},{"word":"to","start":2673.7751,"end":2673.935,"confidence":0.9277344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07119356095790863},{"word":"sign","start":2673.935,"end":2674.2551,"confidence":0.84277344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.06319011002779007},{"word":"a","start":2674.2551,"end":2674.415,"confidence":0.89746094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.059171877801418304},{"word":"couple","start":2674.415,"end":2674.735,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.08124430477619171},{"word":"of","start":2674.735,"end":2674.895,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06474392116069794},{"word":"times","start":2674.895,"end":2675.375,"confidence":0.7619629,"punctuated_word":"times.","sentiment":"neutral","sentiment_score":-0.04360140860080719},{"word":"so","start":2675.375,"end":2675.615,"confidence":0.47705078,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.018626250326633453},{"word":"mhmm","start":2677.055,"end":2677.555,"confidence":0.75027466,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.01446304563432932},{"word":"yeah","start":2708.055,"end":2708.295,"confidence":0.8901367,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.059593915939331055},{"word":"because","start":2708.295,"end":2708.615,"confidence":0.96777344,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.011633098125457764},{"word":"i","start":2708.615,"end":2708.855,"confidence":0.8378906,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.062095604836940765},{"word":"can","start":2708.855,"end":2709.355,"confidence":0.66748047,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1311470866203308},{"word":"yeah","start":2739.51,"end":2740.01,"confidence":0.98291016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11006201058626176},{"word":"and","start":2740.23,"end":2740.4702,"confidence":0.8051758,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1210968941450119},{"word":"this","start":2740.4702,"end":2740.7102,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1021859049797058},{"word":"one","start":2740.7102,"end":2741.03,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2349078953266144},{"word":"has","start":2741.03,"end":2741.35,"confidence":0.9980469,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.24740660190582275},{"word":"got","start":2741.35,"end":2741.59,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.22240705788135529},{"word":"the","start":2741.59,"end":2741.75,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2787512540817261},{"word":"partial","start":2741.75,"end":2742.23,"confidence":0.9980469,"punctuated_word":"partial","sentiment":"neutral","sentiment_score":0.23130881786346436},{"word":"account","start":2742.23,"end":2742.6301,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.21251815557479856},{"word":"balance","start":2742.6301,"end":2743.1301,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.1996140480041504},{"word":"for","start":2743.6702,"end":2743.9102,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16318833827972412},{"word":"20","start":2743.9102,"end":2744.31,"confidence":1.0,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.17852114140987396},{"word":"thousand","start":2744.31,"end":2744.79,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.14592976868152618},{"word":"dollars","start":2744.79,"end":2745.1902,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.22573909163475037},{"word":"on","start":2745.1902,"end":2745.35,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22427475452423096},{"word":"it","start":2745.35,"end":2745.85,"confidence":0.99560547,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.13674193620681763},{"word":"i","start":2746.6301,"end":2746.87,"confidence":0.78466797,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.51116943359375},{"word":"just","start":2746.87,"end":2747.11,"confidence":1.0,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.48174700140953064},{"word":"didn't","start":2747.11,"end":2747.35,"confidence":1.0,"punctuated_word":"didn't","sentiment":"negative","sentiment_score":-0.5614592432975769},{"word":"wanna","start":2747.35,"end":2747.75,"confidence":0.9790039,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.6217910051345825},{"word":"sign","start":2747.75,"end":2747.99,"confidence":0.9980469,"punctuated_word":"sign","sentiment":"negative","sentiment_score":-0.6419216990470886},{"word":"it","start":2747.99,"end":2748.23,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.6105511784553528},{"word":"again","start":2748.23,"end":2748.73,"confidence":0.99902344,"punctuated_word":"again.","sentiment":"negative","sentiment_score":-0.5366564989089966},{"word":"yeah","start":2813.165,"end":2813.5652,"confidence":0.79907227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029497701674699783},{"word":"okay","start":2813.5652,"end":2814.0652,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06335225701332092},{"word":"i've","start":2814.605,"end":2814.925,"confidence":0.7722168,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2912282347679138},{"word":"just","start":2814.925,"end":2815.165,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2897529900074005},{"word":"found","start":2815.165,"end":2815.665,"confidence":0.9604492,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.30486035346984863},{"word":"the","start":2816.845,"end":2817.345,"confidence":0.9350586,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28576794266700745},{"word":"sign","start":2817.9,"end":2818.14,"confidence":0.64746094,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.2153861373662949},{"word":"request","start":2818.14,"end":2818.6199,"confidence":0.98828125,"punctuated_word":"request","sentiment":"neutral","sentiment_score":0.24565790593624115},{"word":"from","start":2818.6199,"end":2818.94,"confidence":0.58496094,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.31782636046409607},{"word":"me","start":2818.94,"end":2819.26,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.26580047607421875},{"word":"for","start":2819.26,"end":2819.5,"confidence":0.9291992,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.24777111411094663},{"word":"the","start":2819.5,"end":2819.66,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2062164694070816},{"word":"annual","start":2819.66,"end":2820.14,"confidence":0.9921875,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.1866825371980667},{"word":"review","start":2820.14,"end":2820.6199,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.1568172425031662},{"word":"to","start":2820.6199,"end":2820.78,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27018970251083374},{"word":"my","start":2820.78,"end":2821.02,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.3169359564781189},{"word":"gmail","start":2821.02,"end":2821.52,"confidence":0.98291016,"punctuated_word":"Gmail","sentiment":"neutral","sentiment_score":0.2448121607303619},{"word":"account","start":2821.5798,"end":2821.98,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.17468097805976868},{"word":"from","start":2821.98,"end":2822.22,"confidence":0.99316406,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.21605896949768064},{"word":"you","start":2822.22,"end":2822.72,"confidence":0.82373047,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.18614283204078672},{"word":"but","start":2823.02,"end":2823.26,"confidence":0.92822266,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.007804775610566139},{"word":"yeah","start":2823.26,"end":2823.5,"confidence":0.99609375,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.03328438103199005},{"word":"i","start":2823.5,"end":2823.5798,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0705329179763794},{"word":"wasn't","start":2823.5798,"end":2824.0598,"confidence":0.99902344,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.06588747352361679},{"word":"sure","start":2824.0598,"end":2824.38,"confidence":0.9980469,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.08990354090929031},{"word":"about","start":2824.38,"end":2824.6199,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06344401836395264},{"word":"this","start":2824.6199,"end":2824.8599,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.050768062472343445},{"word":"one","start":2824.8599,"end":2825.0999,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03948200494050979},{"word":"from","start":2825.0999,"end":2825.5,"confidence":0.68603516,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.02898630872368813},{"word":"from","start":2825.5,"end":2825.8198,"confidence":0.98291016,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.0167170949280262},{"word":"kendall","start":2825.8198,"end":2826.3198,"confidence":0.9873047,"punctuated_word":"Kendall","sentiment":"neutral","sentiment_score":-0.020950011909008023},{"word":"this","start":2826.6199,"end":2826.8599,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.011139634996652603},{"word":"morning","start":2826.8599,"end":2827.3599,"confidence":0.9980469,"punctuated_word":"morning.","sentiment":"neutral","sentiment_score":-0.03463228791952133},{"word":"yeah","start":2852.78,"end":2853.02,"confidence":0.65112305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01595856063067913},{"word":"marty","start":2853.02,"end":2853.52,"confidence":0.36523438,"punctuated_word":"Marty","sentiment":"neutral","sentiment_score":0.012448207475245},{"word":"marty","start":2853.9001,"end":2854.22,"confidence":0.5599365,"punctuated_word":"Marty,","sentiment":"neutral","sentiment_score":0.011479953303933144},{"word":"a","start":2854.22,"end":2854.3,"confidence":0.3227539,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00732403714209795},{"word":"different","start":2854.3,"end":2854.62,"confidence":0.984375,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.0005996562540531158},{"word":"email","start":2854.62,"end":2855.1,"confidence":0.9658203,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.005345156416296959},{"word":"to","start":2855.1,"end":2855.34,"confidence":0.4675293,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006558353081345558},{"word":"rob's","start":2855.34,"end":2855.82,"confidence":0.7541504,"punctuated_word":"Rob's.","sentiment":"neutral","sentiment_score":0.017821041867136955},{"word":"that's","start":2855.82,"end":2856.06,"confidence":0.9875488,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.02820453606545925},{"word":"all","start":2856.06,"end":2856.56,"confidence":0.9658203,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.025289345532655716},{"word":"yep","start":2886.78,"end":2887.28,"confidence":0.89208984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21429261565208435},{"word":"i","start":2916.325,"end":2916.565,"confidence":0.5595703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0704457014799118},{"word":"think","start":2916.565,"end":2916.8052,"confidence":0.9970703,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.10647116601467133},{"word":"that's","start":2916.8052,"end":2917.125,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0993475466966629},{"word":"about","start":2917.125,"end":2917.5251,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12873893976211548},{"word":"it","start":2917.5251,"end":2917.7651,"confidence":0.65478516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.21237346529960632},{"word":"thanks","start":2917.7651,"end":2918.2651,"confidence":0.98657227,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.4633055329322815},{"word":"i","start":2919.125,"end":2919.625,"confidence":0.4645996,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18282859027385712},{"word":"i","start":2924.0051,"end":2924.085,"confidence":0.90527344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04575163871049881},{"word":"did","start":2924.085,"end":2924.325,"confidence":0.9863281,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.0790121778845787},{"word":"just","start":2924.325,"end":2924.565,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.056902434676885605},{"word":"sign","start":2924.565,"end":2924.965,"confidence":0.9536133,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.04848552867770195},{"word":"that","start":2924.965,"end":2925.465,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0568840466439724},{"word":"one","start":2925.685,"end":2925.845,"confidence":0.984375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07809671759605408},{"word":"that","start":2925.845,"end":2926.085,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08668503165245056},{"word":"you","start":2926.085,"end":2926.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12283065915107728},{"word":"sent","start":2926.325,"end":2926.645,"confidence":0.9980469,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.10852668434381484},{"word":"me","start":2926.645,"end":2926.885,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07776504755020142},{"word":"to","start":2926.885,"end":2927.0452,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10048393905162813},{"word":"my","start":2927.0452,"end":2927.2852,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.09171315282583235},{"word":"gmail","start":2927.2852,"end":2927.7651,"confidence":0.9902344,"punctuated_word":"Gmail","sentiment":"neutral","sentiment_score":0.0829550102353096},{"word":"account","start":2927.7651,"end":2928.2651,"confidence":0.85302734,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.07579967379570007},{"word":"so","start":2928.325,"end":2928.565,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04814537614583969},{"word":"i","start":2928.565,"end":2928.645,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.054594069719314575},{"word":"hope","start":2928.645,"end":2928.965,"confidence":0.9970703,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.06500163674354553},{"word":"that","start":2928.965,"end":2929.125,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3499155044555664},{"word":"went","start":2929.125,"end":2929.56,"confidence":0.9980469,"punctuated_word":"went","sentiment":"positive","sentiment_score":0.35395151376724243},{"word":"through","start":2929.56,"end":2930.06,"confidence":0.9921875,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3506091833114624},{"word":"alright","start":2934.76,"end":2935.26,"confidence":0.8479004,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.08783107995986938},{"word":"you're","start":2936.76,"end":2936.9202,"confidence":0.6804199,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.09831034392118454},{"word":"alright","start":2936.9202,"end":2937.4202,"confidence":0.8630371,"punctuated_word":"alright.","sentiment":"positive","sentiment_score":0.34287962317466736},{"word":"okay","start":2939.48,"end":2939.98,"confidence":0.75512695,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1954396665096283},{"word":"yeah","start":2953.445,"end":2953.945,"confidence":0.74731445,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04109478369355202},{"word":"well","start":2962.2998,"end":2962.6199,"confidence":0.9406738,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.05308685451745987},{"word":"the","start":2962.6199,"end":2962.8599,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10310767590999605},{"word":"prices","start":2962.8599,"end":2963.26,"confidence":0.9267578,"punctuated_word":"prices","sentiment":"neutral","sentiment_score":-0.0947561338543892},{"word":"of","start":2963.26,"end":2963.42,"confidence":0.96972656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09489472210407256},{"word":"houses","start":2963.42,"end":2963.92,"confidence":0.9951172,"punctuated_word":"houses","sentiment":"neutral","sentiment_score":-0.05423766374588013},{"word":"in","start":2963.98,"end":2964.14,"confidence":0.9760742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1001518815755844},{"word":"town","start":2964.14,"end":2964.46,"confidence":0.9428711,"punctuated_word":"town","sentiment":"neutral","sentiment_score":-0.08221320062875748},{"word":"are","start":2964.46,"end":2964.6199,"confidence":0.9370117,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.10435368865728378},{"word":"going","start":2964.6199,"end":2964.94,"confidence":0.98535156,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.1057991310954094},{"word":"up","start":2964.94,"end":2965.26,"confidence":0.9675293,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.0706620067358017},{"word":"some","start":2965.26,"end":2965.5,"confidence":0.94140625,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":-0.09986311197280884},{"word":"are","start":2965.5,"end":2965.66,"confidence":0.94970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.09252552688121796},{"word":"selling","start":2965.66,"end":2966.0598,"confidence":0.96875,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.09343454241752625},{"word":"to","start":2966.0598,"end":2966.46,"confidence":0.55029297,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07368242740631104},{"word":"$404.50","start":2966.46,"end":2967.92,"confidence":0.9731852,"punctuated_word":"$404.50.","sentiment":"neutral","sentiment_score":-0.06491714715957642},{"word":"i","start":2968.46,"end":2968.5398,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1053101047873497},{"word":"mean","start":2968.5398,"end":2968.7,"confidence":0.9777832,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.108321875333786},{"word":"in","start":2968.7,"end":2968.8599,"confidence":0.7128906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09915141761302948},{"word":"west","start":2968.8599,"end":2969.18,"confidence":0.56481934,"punctuated_word":"West,","sentiment":"neutral","sentiment_score":-0.13048020005226135},{"word":"it's","start":2969.18,"end":2969.3398,"confidence":0.7036133,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1578184813261032},{"word":"not","start":2969.3398,"end":2969.66,"confidence":0.70214844,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.11053776741027832},{"word":"five","start":2969.66,"end":2970.0598,"confidence":0.94384766,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.023931466042995453},{"word":"acres","start":2970.0598,"end":2970.5398,"confidence":0.91625977,"punctuated_word":"acres,","sentiment":"neutral","sentiment_score":-0.01142444647848606},{"word":"but","start":2970.5398,"end":2970.7798,"confidence":0.99316406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04761979728937149},{"word":"we're","start":2970.7798,"end":2971.125,"confidence":0.9880371,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.0691804587841034},{"word":"couple","start":2972.085,"end":2972.585,"confidence":0.53466797,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.07246197760105133},{"word":"of","start":2972.645,"end":2972.805,"confidence":0.61279297,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06916701793670654},{"word":"from","start":2972.885,"end":2973.385,"confidence":0.75878906,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":-0.08353883028030396},{"word":"you","start":2973.685,"end":2973.845,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06919530779123306},{"word":"know","start":2973.845,"end":2974.245,"confidence":0.9975586,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.09113536775112152},{"word":"a","start":2974.245,"end":2974.405,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06986161321401596},{"word":"bit","start":2974.405,"end":2974.565,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05528082698583603},{"word":"out","start":2974.565,"end":2974.805,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.09268750250339508},{"word":"of","start":2974.805,"end":2974.965,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0848543792963028},{"word":"town","start":2974.965,"end":2975.365,"confidence":0.81762695,"punctuated_word":"town,","sentiment":"neutral","sentiment_score":-0.06361605226993561},{"word":"not","start":2975.365,"end":2975.685,"confidence":0.99609375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07514114677906036},{"word":"far","start":2975.685,"end":2976.085,"confidence":0.7487793,"punctuated_word":"far.","sentiment":"neutral","sentiment_score":-0.08297891169786453},{"word":"but","start":2976.085,"end":2976.565,"confidence":0.98828125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.008682239800691605},{"word":"okay","start":2976.885,"end":2977.385,"confidence":0.96313477,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.00017319992184638977},{"word":"about","start":2978.085,"end":2978.405,"confidence":0.6274414,"punctuated_word":"About","sentiment":"neutral","sentiment_score":-0.013652918860316277},{"word":"four","start":2978.405,"end":2978.725,"confidence":0.8911133,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.02181913331151009},{"word":"k","start":2978.725,"end":2979.125,"confidence":0.89941406,"punctuated_word":"k.","sentiment":"neutral","sentiment_score":-0.017482712864875793},{"word":"so","start":2979.125,"end":2979.365,"confidence":0.91845703,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.04601705074310303},{"word":"yeah","start":2979.365,"end":2979.605,"confidence":0.9951172,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.05931999534368515},{"word":"i'm","start":2979.605,"end":2979.845,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.11217449605464937},{"word":"not","start":2979.845,"end":2980.085,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13999444246292114},{"word":"sure","start":2980.085,"end":2980.565,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.15703703463077545},{"word":"what","start":2980.565,"end":2980.805,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.12425364553928377},{"word":"the","start":2980.805,"end":2980.965,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1277628242969513},{"word":"value","start":2980.965,"end":2981.365,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.11678412556648254},{"word":"would","start":2981.365,"end":2981.525,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.04688390344381333},{"word":"be","start":2981.525,"end":2981.685,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.052368104457855225},{"word":"worth","start":2981.685,"end":2982.185,"confidence":0.9980469,"punctuated_word":"worth.","sentiment":"neutral","sentiment_score":-0.072736456990242},{"word":"yep","start":3010.105,"end":3010.605,"confidence":0.8808594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03747628629207611},{"word":"well","start":3019.19,"end":3019.51,"confidence":0.9855957,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.046312302350997925},{"word":"that's","start":3019.51,"end":3019.75,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.04806793853640556},{"word":"probably","start":3019.75,"end":3020.23,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.07148876041173935},{"word":"average","start":3020.23,"end":3020.73,"confidence":0.9482422,"punctuated_word":"average","sentiment":"neutral","sentiment_score":-0.0665697455406189},{"word":"for","start":3021.59,"end":3021.99,"confidence":0.9902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.027559630572795868},{"word":"a","start":3021.99,"end":3022.23,"confidence":0.9707031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005405310541391373},{"word":"house","start":3022.23,"end":3022.73,"confidence":0.5703125,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.00009282678365707396},{"word":"block","start":3023.35,"end":3023.85,"confidence":0.79052734,"punctuated_word":"block.","sentiment":"neutral","sentiment_score":-0.010143624618649484},{"word":"so","start":3023.91,"end":3024.41,"confidence":0.67871094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02044810727238655},{"word":"we'll","start":3024.79,"end":3025.03,"confidence":0.8845215,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.02866578847169876},{"word":"just","start":3025.03,"end":3025.27,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.026009324938058853},{"word":"keep","start":3025.27,"end":3025.59,"confidence":0.99121094,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.04777240753173828},{"word":"ours","start":3025.59,"end":3026.09,"confidence":0.37890625,"punctuated_word":"ours","sentiment":"neutral","sentiment_score":0.036099016666412354},{"word":"at","start":3026.15,"end":3026.39,"confidence":0.97265625,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.061579324305057526},{"word":"the","start":3026.39,"end":3026.55,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06100112944841385},{"word":"$5.01","start":3026.55,"end":3027.61,"confidence":0.7545166,"punctuated_word":"$5.01.","sentiment":"neutral","sentiment_score":0.029640015214681625},{"word":"yeah","start":3027.67,"end":3027.83,"confidence":0.9399414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07015349715948105},{"word":"because","start":3027.83,"end":3028.15,"confidence":0.96240234,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.05840841680765152},{"word":"we're","start":3028.15,"end":3028.47,"confidence":0.6755371,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.0747629851102829},{"word":"2.2","start":3028.47,"end":3029.27,"confidence":0.72477216,"punctuated_word":"2.2","sentiment":"neutral","sentiment_score":0.06627777218818665},{"word":"hectares","start":3029.27,"end":3029.77,"confidence":0.70129395,"punctuated_word":"hectares.","sentiment":"neutral","sentiment_score":0.06823594868183136},{"word":"k","start":3030.15,"end":3030.65,"confidence":0.89086914,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.06945829093456268},{"word":"and","start":3035.555,"end":3035.795,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.31489014625549316},{"word":"it's","start":3035.795,"end":3036.115,"confidence":0.99316406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2616715133190155},{"word":"freehold","start":3036.115,"end":3036.615,"confidence":0.86743164,"punctuated_word":"freehold","sentiment":"neutral","sentiment_score":0.25918570160865784},{"word":"too","start":3036.7551,"end":3037.2551,"confidence":0.97314453,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.2439085692167282},{"word":"yeah","start":3051.03,"end":3051.53,"confidence":0.75097656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.049727149307727814},{"word":"i","start":3052.1501,"end":3052.23,"confidence":0.7973633,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03201451525092125},{"word":"mean","start":3052.23,"end":3052.73,"confidence":0.99316406,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.022562384605407715},{"word":"that's","start":3053.27,"end":3053.67,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05145995318889618},{"word":"the","start":3053.67,"end":3053.91,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010313689708709717},{"word":"highest","start":3053.91,"end":3054.41,"confidence":0.99121094,"punctuated_word":"highest","sentiment":"neutral","sentiment_score":0.11666275560855864},{"word":"i","start":3054.47,"end":3054.6301,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05505838245153427},{"word":"get","start":3054.6301,"end":3055.03,"confidence":0.5805664,"punctuated_word":"get.","sentiment":"neutral","sentiment_score":0.05339185893535614},{"word":"but","start":3055.03,"end":3055.35,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.016849994659423828},{"word":"if","start":3055.35,"end":3055.51,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0787544846534729},{"word":"i","start":3055.51,"end":3055.67,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07756148278713226},{"word":"don't","start":3055.67,"end":3055.99,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1246238648891449},{"word":"work","start":3055.99,"end":3056.49,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.1268799602985382},{"word":"the","start":3057.19,"end":3057.35,"confidence":0.79541016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17078609764575958},{"word":"whole","start":3057.35,"end":3057.67,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.18085642158985135},{"word":"sixteen","start":3057.67,"end":3058.17,"confidence":0.99902344,"punctuated_word":"sixteen","sentiment":"neutral","sentiment_score":-0.19291062653064728},{"word":"hours","start":3058.23,"end":3058.55,"confidence":1.0,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.16742362082004547},{"word":"a","start":3058.55,"end":3058.71,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14739660918712616},{"word":"week","start":3058.71,"end":3058.95,"confidence":0.9951172,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.1464044451713562},{"word":"it's","start":3058.95,"end":3059.19,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.14568112790584564},{"word":"less","start":3059.19,"end":3059.595,"confidence":0.88183594,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":-0.0970846563577652},{"word":"so","start":3060.635,"end":3060.795,"confidence":0.9199219,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0179759468883276},{"word":"it","start":3060.795,"end":3060.955,"confidence":0.81347656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.007308343425393104},{"word":"all","start":3060.955,"end":3061.195,"confidence":0.94140625,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.012186072766780852},{"word":"depends","start":3061.195,"end":3061.595,"confidence":0.9941406,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.0014660246670246124},{"word":"how","start":3061.595,"end":3061.755,"confidence":0.92089844,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.018285255879163746},{"word":"much","start":3061.755,"end":3062.075,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.036905936896800995},{"word":"work","start":3062.075,"end":3062.395,"confidence":0.99609375,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.036545176059007645},{"word":"they've","start":3062.395,"end":3062.635,"confidence":0.9782715,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.02407183311879635},{"word":"got","start":3062.635,"end":3062.875,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.020106583833694455},{"word":"for","start":3062.875,"end":3063.035,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.014927525073289871},{"word":"me","start":3063.035,"end":3063.195,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.013836335390806198},{"word":"to","start":3063.195,"end":3063.355,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02855522558093071},{"word":"do","start":3063.355,"end":3063.855,"confidence":0.9980469,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.001824425533413887},{"word":"just","start":3076.85,"end":3077.25,"confidence":0.9580078,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.0033015087246894836},{"word":"over","start":3077.25,"end":3077.57,"confidence":0.9951172,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.01206421945244074},{"word":"700","start":3077.57,"end":3078.47,"confidence":0.9746094,"punctuated_word":"700.","sentiment":"neutral","sentiment_score":0.006697835400700569},{"word":"7","start":3079.49,"end":3079.8901,"confidence":0.9716797,"punctuated_word":"7","sentiment":"neutral","sentiment_score":0.004360990598797798},{"word":"60","start":3079.8901,"end":3080.29,"confidence":0.39990234,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.005289701744914055},{"word":"i","start":3080.29,"end":3080.37,"confidence":0.36499023,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.012667558155953884},{"word":"think","start":3080.37,"end":3080.6902,"confidence":0.8676758,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.012839166447520256},{"word":"$7.50","start":3080.6902,"end":3081.59,"confidence":0.49572754,"punctuated_word":"$7.50.","sentiment":"neutral","sentiment_score":0.018397066742181774},{"word":"yeah","start":3081.73,"end":3082.23,"confidence":0.9719238,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.020386138930916783},{"word":"just","start":3083.09,"end":3083.4102,"confidence":0.9291992,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.005142785608768463},{"word":"over","start":3083.4102,"end":3083.81,"confidence":0.9970703,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.025212477892637253},{"word":"700","start":3083.81,"end":3084.45,"confidence":0.99902344,"punctuated_word":"700","sentiment":"neutral","sentiment_score":0.013386094011366367},{"word":"a","start":3084.45,"end":3084.61,"confidence":0.8496094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010348791256546974},{"word":"fortnight","start":3084.61,"end":3085.11,"confidence":0.9995117,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.008891932666301727},{"word":"yeah","start":3090.735,"end":3090.895,"confidence":0.95288086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03404749929904938},{"word":"something","start":3090.895,"end":3091.215,"confidence":0.80126953,"punctuated_word":"Something","sentiment":"neutral","sentiment_score":-0.043586790561676025},{"word":"like","start":3091.215,"end":3091.375,"confidence":0.99609375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.04289679974317551},{"word":"that","start":3091.375,"end":3091.875,"confidence":0.97143555,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.02690394781529903},{"word":"no","start":3093.135,"end":3093.455,"confidence":0.95092773,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16443301737308502},{"word":"it's","start":3093.455,"end":3093.7751,"confidence":0.99609375,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.15500056743621826},{"word":"not","start":3093.7751,"end":3094.0151,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.18771964311599731},{"word":"that","start":3094.0151,"end":3094.2551,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2253173440694809},{"word":"high","start":3094.2551,"end":3094.735,"confidence":0.8930664,"punctuated_word":"high.","sentiment":"neutral","sentiment_score":-0.21029677987098697},{"word":"is","start":3094.735,"end":3094.975,"confidence":0.2442627,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.09305404871702194},{"word":"it","start":3094.975,"end":3095.475,"confidence":0.8781738,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.09559711813926695},{"word":"what","start":3095.8552,"end":3096.3552,"confidence":0.23986816,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.06480132788419724},{"word":"is","start":3097.6152,"end":3097.8552,"confidence":0.94970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06493349373340607},{"word":"it","start":3097.8552,"end":3098.3552,"confidence":0.9995117,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.04649391770362854},{"word":"it's","start":3098.975,"end":3099.475,"confidence":0.7531738,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.03396443650126457},{"word":"if","start":3099.8552,"end":3100.175,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02566746436059475},{"word":"i","start":3100.175,"end":3100.675,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.027199624106287956},{"word":"do","start":3101.5352,"end":3101.935,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02934953011572361},{"word":"my","start":3101.935,"end":3102.435,"confidence":0.9951172,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.03243526071310043},{"word":"school","start":3109.1,"end":3109.58,"confidence":0.4638672,"punctuated_word":"school","sentiment":"neutral","sentiment_score":-0.04289593547582626},{"word":"if","start":3109.74,"end":3109.98,"confidence":0.984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.033599019050598145},{"word":"i","start":3109.98,"end":3110.06,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.035987935960292816},{"word":"do","start":3110.06,"end":3110.38,"confidence":0.98828125,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0324285663664341},{"word":"my","start":3110.38,"end":3110.7,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0332832932472229},{"word":"thirty","start":3110.7,"end":3111.02,"confidence":0.99902344,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.03709632158279419},{"word":"two","start":3111.02,"end":3111.52,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.03751920908689499},{"word":"hours","start":3111.74,"end":3112.06,"confidence":0.9838867,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.02306395024061203},{"word":"of","start":3112.06,"end":3112.3,"confidence":0.8339844,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02340056002140045},{"word":"if","start":3112.78,"end":3112.94,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0293856430798769},{"word":"i","start":3112.94,"end":3113.1,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03010975569486618},{"word":"do","start":3113.1,"end":3113.34,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.027845880016684532},{"word":"thirty","start":3113.34,"end":3113.66,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.02654816024005413},{"word":"two","start":3113.66,"end":3113.82,"confidence":0.9951172,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.028373969718813896},{"word":"hours","start":3113.82,"end":3114.14,"confidence":1.0,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.010367855429649351},{"word":"of","start":3114.14,"end":3114.3,"confidence":0.6401367,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0137484110891819},{"word":"fortnight","start":3114.3,"end":3114.78,"confidence":0.97387695,"punctuated_word":"fortnight,","sentiment":"neutral","sentiment_score":-0.012518832460045816},{"word":"he","start":3114.78,"end":3115.02,"confidence":0.99902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.006264153867959976},{"word":"gets","start":3115.02,"end":3115.34,"confidence":1.0,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.009482111781835556},{"word":"about","start":3115.34,"end":3115.66,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.011448539793491364},{"word":"690","start":3115.66,"end":3116.96,"confidence":0.99658203,"punctuated_word":"690","sentiment":"neutral","sentiment_score":-0.0009094392880797386},{"word":"a","start":3119.2048,"end":3119.4448,"confidence":0.6123047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02638761885464191},{"word":"fortnight","start":3119.4448,"end":3119.9448,"confidence":0.9995117,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.019061673432588577},{"word":"how","start":3124.005,"end":3124.325,"confidence":0.38671875,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.1184948831796646},{"word":"much","start":3124.325,"end":3124.645,"confidence":0.53271484,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0721467137336731},{"word":"is","start":3124.645,"end":3125.145,"confidence":0.34960938,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06597143411636353},{"word":"it","start":3129.045,"end":3129.545,"confidence":0.7595215,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.029688339680433273},{"word":"i","start":3130.085,"end":3130.32,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005088508129119873},{"word":"think","start":3130.48,"end":3130.72,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0017222054302692411},{"word":"it's","start":3130.72,"end":3131.04,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.009694996289908886},{"word":"$31.31","start":3131.04,"end":3132.6401,"confidence":0.8550415,"punctuated_word":"$31.31","sentiment":"neutral","sentiment_score":0.01154871191829443},{"word":"70","start":3132.6401,"end":3133.1401,"confidence":0.7939453,"punctuated_word":"70,","sentiment":"neutral","sentiment_score":0.007038538344204426},{"word":"something","start":3133.36,"end":3133.6802,"confidence":0.9980469,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.00980028323829174},{"word":"like","start":3133.6802,"end":3133.9202,"confidence":0.9970703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.018733041360974312},{"word":"that","start":3133.9202,"end":3134.4202,"confidence":0.9980469,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.01948840171098709},{"word":"yep","start":3145.04,"end":3145.54,"confidence":0.89208984,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.5012234449386597},{"word":"two","start":3168.47,"end":3168.79,"confidence":0.3059082,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":-0.01407352089881897},{"word":"oh","start":3169.19,"end":3169.4302,"confidence":0.77246094,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.019668031483888623},{"word":"it","start":3169.4302,"end":3169.6702,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03678147867321968},{"word":"sounds","start":3169.6702,"end":3169.99,"confidence":0.9970703,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":-0.011463358998298643},{"word":"a","start":3169.99,"end":3170.07,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04903753101825714},{"word":"lot","start":3170.07,"end":3170.31,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.04035348072648048},{"word":"of","start":3170.31,"end":3170.3901,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06262656301259995},{"word":"money","start":3170.3901,"end":3170.71,"confidence":0.7624512,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.053574398159980774},{"word":"doesn't","start":3170.71,"end":3171.03,"confidence":0.89453125,"punctuated_word":"Doesn't","sentiment":"neutral","sentiment_score":-0.028543535619974136},{"word":"it","start":3171.03,"end":3171.11,"confidence":0.9602051,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.03063516691327095},{"word":"but","start":3171.11,"end":3171.27,"confidence":0.75,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.15264543890953064},{"word":"it","start":3171.27,"end":3171.4302,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.20033393800258636},{"word":"doesn't","start":3171.4302,"end":3171.75,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.22066912055015564},{"word":"go","start":3171.75,"end":3171.99,"confidence":0.99316406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.2197207510471344},{"word":"very","start":3171.99,"end":3172.31,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.24100595712661743},{"word":"far","start":3172.31,"end":3172.81,"confidence":0.9873047,"punctuated_word":"far.","sentiment":"neutral","sentiment_score":-0.2840915322303772},{"word":"okay","start":3173.895,"end":3174.395,"confidence":0.70251465,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.03401917219161987},{"word":"i","start":3186.615,"end":3186.775,"confidence":0.28759766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13004586100578308},{"word":"reckon","start":3186.775,"end":3187.275,"confidence":0.87060547,"punctuated_word":"reckon.","sentiment":"neutral","sentiment_score":-0.12915274500846863},{"word":"no","start":3187.335,"end":3187.835,"confidence":0.2682495,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2280655801296234},{"word":"and","start":3188.055,"end":3188.375,"confidence":0.95947266,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.24366889894008636},{"word":"things","start":3188.375,"end":3188.695,"confidence":0.6040039,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.3031260371208191},{"word":"are","start":3188.695,"end":3188.855,"confidence":0.9892578,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.27316150069236755},{"word":"more","start":3188.855,"end":3189.27,"confidence":0.98291016,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.30761536955833435},{"word":"expensive","start":3189.43,"end":3189.75,"confidence":0.9892578,"punctuated_word":"expensive","sentiment":"neutral","sentiment_score":-0.2844821512699127},{"word":"out","start":3189.75,"end":3189.99,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.3029364049434662},{"word":"here","start":3189.99,"end":3190.23,"confidence":0.96362305,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":-0.2670283615589142},{"word":"i","start":3190.23,"end":3190.55,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2274918258190155},{"word":"imagine","start":3190.55,"end":3191.05,"confidence":0.9916992,"punctuated_word":"imagine.","sentiment":"neutral","sentiment_score":-0.22889134287834167},{"word":"yep","start":3201.91,"end":3202.335,"confidence":0.85668945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24774059653282168},{"word":"yeah","start":3220.0999,"end":3220.58,"confidence":0.91552734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04768333584070206},{"word":"okay","start":3220.58,"end":3221.08,"confidence":0.8688965,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07907740771770477},{"word":"yep","start":3221.14,"end":3221.64,"confidence":0.86621094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1418454349040985},{"word":"to","start":3240.055,"end":3240.295,"confidence":0.94140625,"punctuated_word":"To","sentiment":"neutral","sentiment_score":-0.013445986434817314},{"word":"me","start":3240.295,"end":3240.795,"confidence":0.86987305,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.01049614604562521},{"word":"oh","start":3243.51,"end":3243.75,"confidence":0.4378662,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.028519727289676663},{"word":"i","start":3243.75,"end":3243.99,"confidence":0.90283203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04939637705683708},{"word":"got","start":3243.99,"end":3244.23,"confidence":0.96435547,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.05698153376579285},{"word":"no","start":3244.23,"end":3244.55,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.06972350180149078},{"word":"idea","start":3244.55,"end":3244.9502,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":-0.0775218978524208},{"word":"what","start":3244.9502,"end":3245.1902,"confidence":0.91748047,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08158734440803528},{"word":"they","start":3245.1902,"end":3245.4302,"confidence":0.9941406,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.09070128202438354},{"word":"were","start":3245.4302,"end":3245.9302,"confidence":0.81396484,"punctuated_word":"were.","sentiment":"neutral","sentiment_score":-0.09013320505619048},{"word":"they're","start":3247.75,"end":3247.9102,"confidence":0.51568604,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.10453691333532332},{"word":"a","start":3247.9102,"end":3248.07,"confidence":0.88427734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1037917137145996},{"word":"good","start":3248.07,"end":3248.31,"confidence":0.9921875,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.11550509929656982},{"word":"dollar","start":3248.31,"end":3248.81,"confidence":0.6411133,"punctuated_word":"dollar.","sentiment":"neutral","sentiment_score":0.07699765264987946},{"word":"yeah","start":3253.51,"end":3254.01,"confidence":0.65478516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018300656229257584},{"word":"yeah","start":3255.565,"end":3256.065,"confidence":0.67944336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016575142741203308},{"word":"i","start":3256.2852,"end":3256.5251,"confidence":0.36010742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008279340341687202},{"word":"mean","start":3256.5251,"end":3256.685,"confidence":0.9484863,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.00965716317296028},{"word":"it'd","start":3256.685,"end":3256.845,"confidence":0.5233154,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":0.01812627911567688},{"word":"probably","start":3256.845,"end":3257.165,"confidence":0.9838867,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.01987539604306221},{"word":"be","start":3257.165,"end":3257.325,"confidence":0.49951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.02090049535036087},{"word":"a","start":3257.325,"end":3257.405,"confidence":0.55126953,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.008426610380411148},{"word":"$15.24","start":3257.405,"end":3258.685,"confidence":0.83044434,"punctuated_word":"$15.24.","sentiment":"neutral","sentiment_score":0.00811712071299553},{"word":"15","start":3258.685,"end":3259.185,"confidence":0.9995117,"punctuated_word":"15","sentiment":"neutral","sentiment_score":0.009004456922411919},{"word":"maybe","start":3259.405,"end":3259.905,"confidence":0.564209,"punctuated_word":"maybe?","sentiment":"neutral","sentiment_score":0.012401524931192398},{"word":"no","start":3271.46,"end":3271.78,"confidence":0.9243164,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.19588422775268555},{"word":"not","start":3271.78,"end":3272.02,"confidence":0.9790039,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.16504497826099396},{"word":"now","start":3272.02,"end":3272.52,"confidence":0.86865234,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.13777244091033936},{"word":"i'm","start":3274.02,"end":3274.26,"confidence":0.77001953,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.11439802497625352},{"word":"just","start":3274.26,"end":3274.5,"confidence":0.58984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.025885170325636864},{"word":"looking","start":3274.5,"end":3274.9,"confidence":0.96240234,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.009171443060040474},{"word":"at","start":3274.9,"end":3274.98,"confidence":0.4169922,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.015108343213796616},{"word":"some","start":3274.98,"end":3275.22,"confidence":0.9707031,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.00971803069114685},{"word":"others","start":3275.22,"end":3275.72,"confidence":0.90600586,"punctuated_word":"others.","sentiment":"neutral","sentiment_score":-0.007604123093187809},{"word":"i've","start":3275.78,"end":3276.02,"confidence":0.90405273,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.01092743407934904},{"word":"seen","start":3276.02,"end":3276.3398,"confidence":0.9980469,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.013290544971823692},{"word":"some","start":3276.3398,"end":3276.5,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.006123518571257591},{"word":"others","start":3276.5,"end":3276.9,"confidence":0.99902344,"punctuated_word":"others","sentiment":"neutral","sentiment_score":0.008480038493871689},{"word":"on","start":3276.9,"end":3277.4,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.00909888744354248},{"word":"facebook","start":3277.94,"end":3278.3398,"confidence":0.9951172,"punctuated_word":"Facebook","sentiment":"neutral","sentiment_score":0.02420266717672348},{"word":"and","start":3278.3398,"end":3278.5,"confidence":0.8540039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.000029781833291053772},{"word":"that","start":3278.5,"end":3278.74,"confidence":0.5788574,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.00020829681307077408},{"word":"but","start":3278.74,"end":3278.98,"confidence":0.42797852,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.000550687313079834},{"word":"it's","start":3278.98,"end":3279.14,"confidence":0.5966797,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0019117457559332252},{"word":"for","start":3279.14,"end":3279.46,"confidence":0.7236328,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0009688027203083038},{"word":"sale","start":3279.46,"end":3279.78,"confidence":0.8666992,"punctuated_word":"sale.","sentiment":"neutral","sentiment_score":-0.0036141686141490936},{"word":"they're","start":3279.78,"end":3280.02,"confidence":0.5180664,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.009268967434763908},{"word":"at","start":3280.02,"end":3280.0999,"confidence":0.90625,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.010712388902902603},{"word":"the","start":3280.0999,"end":3280.26,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017821934074163437},{"word":"same","start":3280.26,"end":3280.5,"confidence":0.9951172,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.02661966346204281},{"word":"age","start":3280.5,"end":3280.74,"confidence":0.8886719,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.019287053495645523},{"word":"as","start":3280.74,"end":3280.9,"confidence":0.8852539,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.028417978435754776},{"word":"mine","start":3280.9,"end":3281.0598,"confidence":0.84375,"punctuated_word":"mine,","sentiment":"neutral","sentiment_score":0.009604782797396185},{"word":"and","start":3281.0598,"end":3281.22,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.000965287908911705},{"word":"they're","start":3281.22,"end":3281.54,"confidence":0.95751953,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.001332111656665802},{"word":"about","start":3281.54,"end":3281.8599,"confidence":0.9770508,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.005970502272248268},{"word":"3","start":3281.8599,"end":3282.02,"confidence":1.0,"punctuated_word":"3","sentiment":"neutral","sentiment_score":-0.0009140260517597198},{"word":"or","start":3282.02,"end":3282.18,"confidence":0.99316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.00281650573015213},{"word":"$4","start":3282.18,"end":3282.92,"confidence":0.9654541,"punctuated_word":"$4.","sentiment":"neutral","sentiment_score":0.005453172139823437},{"word":"i'll","start":3285.9749,"end":3286.135,"confidence":0.8417969,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.5388571619987488},{"word":"be","start":3286.135,"end":3286.295,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6494670510292053},{"word":"lucky","start":3286.295,"end":3286.615,"confidence":0.99609375,"punctuated_word":"lucky","sentiment":"positive","sentiment_score":0.6434100866317749},{"word":"to","start":3286.615,"end":3286.695,"confidence":0.9951172,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7351757884025574},{"word":"get","start":3286.695,"end":3286.935,"confidence":0.9970703,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.661344051361084},{"word":"5","start":3286.935,"end":3287.255,"confidence":0.31982422,"punctuated_word":"5","sentiment":"positive","sentiment_score":0.6342470645904541},{"word":"for","start":3287.255,"end":3287.415,"confidence":0.7729492,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6404247283935547},{"word":"it","start":3287.415,"end":3287.575,"confidence":0.6171875,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.5742381811141968},{"word":"i","start":3287.575,"end":3287.655,"confidence":0.4260254,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.45520517230033875},{"word":"think","start":3287.655,"end":3288.155,"confidence":0.70825195,"punctuated_word":"think.","sentiment":"positive","sentiment_score":0.4561615586280823},{"word":"no","start":3310.4348,"end":3310.9348,"confidence":0.91796875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09186731278896332},{"word":"sorry","start":3310.9949,"end":3311.2349,"confidence":0.9694824,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.09911085665225984},{"word":"i've","start":3311.2349,"end":3311.4749,"confidence":0.9970703,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.1448875069618225},{"word":"got","start":3311.4749,"end":3311.7148,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.1935604214668274},{"word":"no","start":3311.7148,"end":3311.9548,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.21704275906085968},{"word":"idea","start":3311.9548,"end":3312.4548,"confidence":0.9980469,"punctuated_word":"idea.","sentiment":"neutral","sentiment_score":-0.20196352899074552},{"word":"no","start":3328.62,"end":3329.12,"confidence":0.75,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.022815201431512833},{"word":"would","start":3330.78,"end":3331.02,"confidence":0.9448242,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.010033912025392056},{"word":"it","start":3331.02,"end":3331.1802,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0054100025445222855},{"word":"be","start":3331.1802,"end":3331.34,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.007272709161043167},{"word":"on","start":3331.34,"end":3331.58,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0068482523784041405},{"word":"centrelink","start":3331.58,"end":3332.08,"confidence":0.97835284,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":-0.014453529380261898},{"word":"my","start":3332.46,"end":3332.7,"confidence":0.29736328,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.010855404660105704},{"word":"centrelink","start":3332.7,"end":3333.2,"confidence":0.9354248,"punctuated_word":"Centrelink?","sentiment":"neutral","sentiment_score":-0.00827722530812025},{"word":"yeah","start":3347.475,"end":3347.875,"confidence":0.9135742,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05730840563774109},{"word":"i","start":3347.875,"end":3348.035,"confidence":0.7963867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07538105547428131},{"word":"do","start":3348.035,"end":3348.355,"confidence":0.7178955,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.07454295456409454},{"word":"frank's","start":3348.355,"end":3348.835,"confidence":0.75341797,"punctuated_word":"Frank's","sentiment":"neutral","sentiment_score":0.04677765816450119},{"word":"my","start":3348.835,"end":3349.075,"confidence":0.7050781,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.058957166969776154},{"word":"guy","start":3349.075,"end":3349.2349,"confidence":0.66516113,"punctuated_word":"guy.","sentiment":"neutral","sentiment_score":0.07634665817022324},{"word":"yep","start":3349.2349,"end":3349.7349,"confidence":0.91625977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12313304841518402},{"word":"yep","start":3366.1301,"end":3366.585,"confidence":0.8654785,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02287628874182701},{"word":"yep","start":3376.9849,"end":3377.4849,"confidence":0.7788086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.001696967869065702},{"word":"probably","start":3383.3,"end":3383.78,"confidence":0.55126953,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":0.0012199338525533676},{"word":"an","start":3383.78,"end":3384.02,"confidence":0.9448242,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.0017712190747261047},{"word":"email","start":3384.02,"end":3384.5,"confidence":0.97314453,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.02489937469363213},{"word":"thanks","start":3384.5,"end":3384.9,"confidence":0.8737793,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":0.1185724139213562},{"word":"because","start":3384.9,"end":3385.1401,"confidence":0.2866211,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.002529613673686981},{"word":"i'm","start":3385.1401,"end":3385.3801,"confidence":0.7937012,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.012439511716365814},{"word":"on","start":3385.3801,"end":3385.7002,"confidence":0.7583008,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.009511098265647888},{"word":"frank's","start":3385.7002,"end":3386.02,"confidence":0.7529297,"punctuated_word":"Frank's","sentiment":"neutral","sentiment_score":-0.00918673723936081},{"word":"phone","start":3386.02,"end":3386.34,"confidence":0.68652344,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":-0.01051432266831398},{"word":"because","start":3386.34,"end":3386.6602,"confidence":0.8178711,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.03822041302919388},{"word":"i'm","start":3386.6602,"end":3386.98,"confidence":0.9790039,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06371554732322693},{"word":"on","start":3386.98,"end":3387.3,"confidence":0.97509766,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06307418644428253},{"word":"frank's","start":3387.3,"end":3387.8,"confidence":0.9902344,"punctuated_word":"Frank's","sentiment":"neutral","sentiment_score":-0.06407074630260468},{"word":"phone","start":3387.86,"end":3388.02,"confidence":0.73864746,"punctuated_word":"phone,","sentiment":"neutral","sentiment_score":-0.12027592957019806},{"word":"and","start":3388.02,"end":3388.18,"confidence":0.70996094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13234932720661163},{"word":"i","start":3388.18,"end":3388.34,"confidence":0.9790039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15528202056884766},{"word":"would","start":3388.34,"end":3388.5,"confidence":0.45141602,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1546722948551178},{"word":"have","start":3388.5,"end":3388.66,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1211238130927086},{"word":"to","start":3388.66,"end":3388.74,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2101622968912125},{"word":"get","start":3388.74,"end":3388.9,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.22394444048404696},{"word":"on","start":3388.9,"end":3389.1401,"confidence":0.9003906,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.20212198793888092},{"word":"to","start":3389.1401,"end":3389.22,"confidence":0.8769531,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1816081553697586},{"word":"me","start":3389.22,"end":3389.3398,"confidence":0.25317383,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.1706780344247818},{"word":"to","start":3389.3398,"end":3389.46,"confidence":0.46923828,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1611785590648651},{"word":"get","start":3389.46,"end":3389.7,"confidence":0.4802246,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1202959343791008},{"word":"one","start":3389.7,"end":3390.02,"confidence":0.59521484,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.09267360717058182},{"word":"frank's","start":3390.02,"end":3390.42,"confidence":0.6989746,"punctuated_word":"Frank's","sentiment":"neutral","sentiment_score":-0.09673844277858734},{"word":"phone","start":3390.42,"end":3390.92,"confidence":0.9807129,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":-0.07490135729312897},{"word":"yeah","start":3411.97,"end":3412.47,"confidence":0.7507324,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05703720077872276},{"word":"okay","start":3412.69,"end":3413.19,"confidence":0.8347168,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08764693140983582},{"word":"no","start":3427.705,"end":3427.945,"confidence":0.8803711,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10159263014793396},{"word":"i","start":3427.945,"end":3428.105,"confidence":0.7963867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0653504803776741},{"word":"just","start":3428.105,"end":3428.605,"confidence":0.9741211,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07087337970733643},{"word":"okay","start":3429.065,"end":3429.465,"confidence":0.5810547,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05183678865432739},{"word":"the","start":3429.465,"end":3429.705,"confidence":0.546875,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.10396475344896317},{"word":"same","start":3429.705,"end":3430.185,"confidence":0.87939453,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.1808168590068817},{"word":"thanks","start":3430.185,"end":3430.685,"confidence":0.9758301,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.3778659701347351},{"word":"yeah","start":3454.485,"end":3454.885,"confidence":0.9692383,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0040930453687906265},{"word":"well","start":3454.885,"end":3455.0452,"confidence":0.9975586,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.03660495579242706},{"word":"there's","start":3455.0452,"end":3455.2852,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.08331648260354996},{"word":"not","start":3455.2852,"end":3455.5251,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1483813226222992},{"word":"much","start":3455.5251,"end":3455.845,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.16866889595985413},{"word":"left","start":3455.845,"end":3456.24,"confidence":0.99902344,"punctuated_word":"left.","sentiment":"neutral","sentiment_score":-0.17936387658119202},{"word":"i","start":3456.56,"end":3457.0,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0913761556148529},{"word":"have","start":3457.0,"end":3457.44,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06942808628082275},{"word":"opened","start":3457.44,"end":3457.94,"confidence":0.9970703,"punctuated_word":"opened","sentiment":"neutral","sentiment_score":-0.07217124104499817},{"word":"a","start":3458.0,"end":3458.5,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08007872104644775},{"word":"funeral","start":3460.48,"end":3460.96,"confidence":0.9604492,"punctuated_word":"funeral","sentiment":"neutral","sentiment_score":-0.1093449741601944},{"word":"account","start":3460.96,"end":3461.46,"confidence":0.8112793,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.04765105620026589},{"word":"well","start":3462.8,"end":3462.92,"confidence":0.72351074,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.010522067546844482},{"word":"i","start":3462.92,"end":3463.04,"confidence":0.9326172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0018766745924949648},{"word":"did","start":3463.04,"end":3463.28,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.007662259042263031},{"word":"that","start":3463.28,"end":3463.6,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.016146652400493622},{"word":"a","start":3463.6,"end":3463.76,"confidence":0.9526367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0105034951120615},{"word":"while","start":3463.76,"end":3464.08,"confidence":0.9980469,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.014280378818511965},{"word":"ago","start":3464.08,"end":3464.48,"confidence":0.91186523,"punctuated_word":"ago,","sentiment":"neutral","sentiment_score":-0.003353990614414215},{"word":"and","start":3464.48,"end":3464.8,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.009762350469827652},{"word":"i","start":3464.8,"end":3465.2,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01868681237101555},{"word":"try","start":3465.2,"end":3465.36,"confidence":0.9003906,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.024378426373004913},{"word":"and","start":3465.36,"end":3465.6,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0060019418597221375},{"word":"put","start":3465.6,"end":3466.1,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.02403964102268219},{"word":"$20","start":3467.04,"end":3467.68,"confidence":0.9995117,"punctuated_word":"$20","sentiment":"neutral","sentiment_score":-0.03817243129014969},{"word":"a","start":3467.68,"end":3467.84,"confidence":0.96972656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01805243268609047},{"word":"fortnight","start":3467.84,"end":3468.34,"confidence":0.9716797,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":-0.03819483518600464},{"word":"or","start":3468.48,"end":3468.72,"confidence":0.99121094,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03412695601582527},{"word":"$20","start":3468.72,"end":3469.36,"confidence":0.9995117,"punctuated_word":"$20","sentiment":"neutral","sentiment_score":-0.032790571451187134},{"word":"a","start":3469.36,"end":3469.52,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02641695737838745},{"word":"month","start":3469.52,"end":3469.68,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.033121462911367416},{"word":"in","start":3469.68,"end":3469.92,"confidence":0.9394531,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04073994979262352},{"word":"it","start":3469.92,"end":3470.08,"confidence":0.76708984,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.05542110651731491},{"word":"but","start":3470.08,"end":3470.24,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05025944113731384},{"word":"it's","start":3470.24,"end":3470.4,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.10755427181720734},{"word":"in","start":3470.4,"end":3470.64,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.15316686034202576},{"word":"an","start":3470.64,"end":3470.8,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.16238613426685333},{"word":"account","start":3470.8,"end":3471.28,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.1443248987197876},{"word":"that","start":3471.28,"end":3471.44,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1269071102142334},{"word":"gets","start":3471.44,"end":3471.94,"confidence":0.9921875,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.10085052251815796},{"word":"if","start":3472.4648,"end":3472.545,"confidence":0.97802734,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09838517010211945},{"word":"i","start":3472.545,"end":3472.7048,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08223922550678253},{"word":"don't","start":3472.7048,"end":3473.025,"confidence":0.96972656,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10048019886016846},{"word":"touch","start":3473.025,"end":3473.265,"confidence":0.99609375,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":-0.1500147432088852},{"word":"it","start":3473.265,"end":3473.665,"confidence":0.7298584,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.10706086456775664},{"word":"and","start":3473.665,"end":3473.905,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04434743523597717},{"word":"if","start":3473.905,"end":3474.065,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05356546863913536},{"word":"i","start":3474.065,"end":3474.145,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.056193239986896515},{"word":"put","start":3474.145,"end":3474.385,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.06617153435945511},{"word":"in","start":3474.385,"end":3474.865,"confidence":0.9433594,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.0763784646987915},{"word":"it","start":3474.865,"end":3475.025,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09418871998786926},{"word":"gets","start":3475.025,"end":3475.345,"confidence":0.9980469,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.09645749628543854},{"word":"the","start":3475.345,"end":3475.585,"confidence":0.42358398,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06908320635557175},{"word":"higher","start":3475.585,"end":3475.9849,"confidence":0.9941406,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.06532081961631775},{"word":"interest","start":3475.9849,"end":3476.4849,"confidence":0.9404297,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":-0.056177884340286255},{"word":"it","start":3476.785,"end":3476.9448,"confidence":0.9970703,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.0037099048495292664},{"word":"gets","start":3476.9448,"end":3477.425,"confidence":0.7590332,"punctuated_word":"gets,","sentiment":"neutral","sentiment_score":0.00011904537677764893},{"word":"like","start":3477.425,"end":3477.665,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.013054220005869864},{"word":"a","start":3477.665,"end":3477.905,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010301103815436363},{"word":"second","start":3477.905,"end":3478.2249,"confidence":0.9892578,"punctuated_word":"second","sentiment":"neutral","sentiment_score":-0.028197068721055984},{"word":"lot","start":3478.2249,"end":3478.4648,"confidence":0.5493164,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.000489257276058197},{"word":"of","start":3478.4648,"end":3478.545,"confidence":0.9716797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.010266080498695374},{"word":"interest","start":3478.545,"end":3479.045,"confidence":0.76660156,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":-0.0129142627120018},{"word":"but","start":3479.585,"end":3479.825,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.01961959153413773},{"word":"i","start":3479.825,"end":3479.905,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.031035469844937325},{"word":"don't","start":3479.905,"end":3480.2249,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07504671066999435},{"word":"claim","start":3480.2249,"end":3480.545,"confidence":0.97998047,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.05101945623755455},{"word":"that","start":3480.545,"end":3480.9448,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05945161357522011},{"word":"on","start":3480.9448,"end":3481.345,"confidence":0.97314453,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08454971015453339},{"word":"centrelink","start":3481.345,"end":3481.845,"confidence":0.8388672,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":-0.035496726632118225},{"word":"because","start":3481.9849,"end":3482.2249,"confidence":0.8647461,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06242071092128754},{"word":"it's","start":3482.2249,"end":3482.385,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03623976558446884},{"word":"a","start":3482.385,"end":3482.625,"confidence":0.81640625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02999547123908997},{"word":"funeral","start":3482.625,"end":3483.025,"confidence":0.99902344,"punctuated_word":"funeral","sentiment":"neutral","sentiment_score":-0.06453358381986618},{"word":"account","start":3483.025,"end":3483.505,"confidence":0.95336914,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.05547730252146721},{"word":"so","start":3483.505,"end":3484.005,"confidence":0.94189453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0008689872920513153},{"word":"yeah","start":3495.8098,"end":3496.3098,"confidence":0.85717773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01126139983534813},{"word":"just","start":3518.31,"end":3518.63,"confidence":0.9667969,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.04532233625650406},{"word":"off","start":3518.63,"end":3519.13,"confidence":0.642334,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.04205627739429474},{"word":"florida","start":3577.05,"end":3577.55,"confidence":0.71325684,"punctuated_word":"Florida.","sentiment":"neutral","sentiment_score":-0.0514894425868988},{"word":"yeah","start":3586.915,"end":3587.395,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1271389275789261},{"word":"i","start":3587.395,"end":3587.555,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12329376488924026},{"word":"can","start":3587.555,"end":3587.875,"confidence":0.9165039,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11496253311634064},{"word":"think","start":3587.875,"end":3588.355,"confidence":0.9941406,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.09318256378173828},{"word":"about","start":3588.355,"end":3588.675,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13443219661712646},{"word":"it","start":3588.675,"end":3588.9949,"confidence":0.9765625,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1326598972082138},{"word":"it's","start":3588.9949,"end":3589.075,"confidence":0.9121094,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.10558629035949708},{"word":"probably","start":3589.075,"end":3589.575,"confidence":0.9902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.078773632645607},{"word":"you","start":3590.195,"end":3590.355,"confidence":0.8857422,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09974128007888794},{"word":"reckon","start":3590.355,"end":3590.755,"confidence":0.9375,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":0.0490107387304306},{"word":"that's","start":3590.755,"end":3590.9949,"confidence":0.9916992,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06101689487695694},{"word":"a","start":3590.9949,"end":3591.075,"confidence":0.52685547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04161897301673889},{"word":"better","start":3591.075,"end":3591.395,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.01899103820323944},{"word":"way","start":3591.395,"end":3591.635,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.06418819725513458},{"word":"to","start":3591.635,"end":3591.875,"confidence":0.9038086,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17076744139194489},{"word":"go","start":3591.875,"end":3592.375,"confidence":0.7402344,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.18984295427799225},{"word":"yes","start":3654.7898,"end":3655.2898,"confidence":0.9797363,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.586132287979126},{"word":"yeah","start":3703.645,"end":3704.145,"confidence":0.9692383,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25179851055145264},{"word":"we'll","start":3705.2449,"end":3705.4849,"confidence":0.9655762,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.25151652097702026},{"word":"just","start":3705.4849,"end":3705.805,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.25744569301605225},{"word":"talk","start":3705.805,"end":3706.045,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.22576577961444855},{"word":"about","start":3706.045,"end":3706.285,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.30003952980041504},{"word":"it","start":3706.285,"end":3706.525,"confidence":0.9316406,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.28028956055641174},{"word":"i","start":3706.525,"end":3706.605,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.26992225646972656},{"word":"think","start":3706.605,"end":3707.085,"confidence":0.95654297,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.2291772663593292},{"word":"thanks","start":3707.085,"end":3707.585,"confidence":0.8623047,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5105862617492676},{"word":"just","start":3708.125,"end":3708.365,"confidence":0.19177246,"punctuated_word":"Just","sentiment":"positive","sentiment_score":0.5160990357398987},{"word":"think","start":3708.365,"end":3708.845,"confidence":0.6870117,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.5511881113052368},{"word":"it's","start":3708.845,"end":3709.29,"confidence":0.9371745,"punctuated_word":"it's,","sentiment":"positive","sentiment_score":0.5430744886398315},{"word":"i","start":3709.53,"end":3709.69,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4490053057670593},{"word":"mean","start":3709.69,"end":3709.85,"confidence":0.99853516,"punctuated_word":"mean,","sentiment":"positive","sentiment_score":0.47974100708961487},{"word":"we","start":3709.85,"end":3710.17,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4378439486026764},{"word":"only","start":3710.17,"end":3710.49,"confidence":0.97998047,"punctuated_word":"only","sentiment":"positive","sentiment_score":0.41020452976226807},{"word":"we","start":3710.57,"end":3710.81,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4343997240066528},{"word":"don't","start":3710.81,"end":3711.1301,"confidence":1.0,"punctuated_word":"don't","sentiment":"positive","sentiment_score":0.35784491896629333},{"word":"wanna","start":3711.1301,"end":3711.45,"confidence":0.9560547,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.38261038064956665},{"word":"touch","start":3711.45,"end":3711.77,"confidence":0.9970703,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.27139443159103394},{"word":"it","start":3711.77,"end":3711.93,"confidence":0.9470215,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.38304272294044495},{"word":"but","start":3711.93,"end":3712.43,"confidence":1.0,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.4093453884124756},{"word":"i","start":3714.17,"end":3714.33,"confidence":0.9873047,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4648267924785614},{"word":"think","start":3714.33,"end":3714.6501,"confidence":0.9980469,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.4872235953807831},{"word":"it's","start":3714.6501,"end":3714.8901,"confidence":0.9904785,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5206031799316406},{"word":"a","start":3714.8901,"end":3714.97,"confidence":0.74365234,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5408265590667725},{"word":"bit","start":3714.97,"end":3715.21,"confidence":0.90234375,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5218651294708252},{"word":"of","start":3715.21,"end":3715.37,"confidence":0.77978516,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5051438808441162},{"word":"if","start":3716.4102,"end":3716.6501,"confidence":0.99121094,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.47920364141464233},{"word":"it's","start":3716.6501,"end":3716.97,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5455953478813171},{"word":"there","start":3716.97,"end":3717.29,"confidence":0.9814453,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.5351372957229614},{"word":"it's","start":3717.29,"end":3717.45,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6198067665100098},{"word":"a","start":3717.45,"end":3717.61,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5724935531616211},{"word":"bit","start":3717.61,"end":3717.77,"confidence":0.9506836,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5128819346427917},{"word":"of","start":3717.77,"end":3717.93,"confidence":0.984375,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5365322232246399},{"word":"peace","start":3717.93,"end":3718.17,"confidence":0.9873047,"punctuated_word":"peace","sentiment":"positive","sentiment_score":0.38763850927352905},{"word":"of","start":3718.17,"end":3718.33,"confidence":0.9902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5828205347061157},{"word":"mind","start":3718.33,"end":3718.6501,"confidence":1.0,"punctuated_word":"mind","sentiment":"positive","sentiment_score":0.5400968194007874},{"word":"if","start":3718.6501,"end":3718.81,"confidence":0.9770508,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.5776505470275879},{"word":"you","start":3718.81,"end":3718.97,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5365284085273743},{"word":"need","start":3718.97,"end":3719.21,"confidence":0.9970703,"punctuated_word":"need","sentiment":"positive","sentiment_score":0.6455370783805847},{"word":"it","start":3719.21,"end":3719.37,"confidence":0.8474121,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.4327388405799866},{"word":"isn't","start":3719.37,"end":3719.69,"confidence":0.9904785,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":0.3324088454246521},{"word":"it","start":3719.69,"end":3720.19,"confidence":0.9941406,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.22543340921401975},{"word":"yes","start":3737.225,"end":3737.725,"confidence":0.83325195,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.008301403373479843},{"word":"yeah","start":3757.985,"end":3758.485,"confidence":0.83862305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022782161831855777},{"word":"okay","start":3758.625,"end":3759.125,"confidence":0.9436035,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.018831992521882057},{"word":"nearly","start":3768.89,"end":3769.3699,"confidence":0.9873047,"punctuated_word":"Nearly","sentiment":"neutral","sentiment_score":0.022016771137714383},{"word":"11","start":3769.3699,"end":3769.8699,"confidence":0.99365234,"punctuated_word":"11.","sentiment":"neutral","sentiment_score":0.02805718407034874},{"word":"yeah","start":3781.555,"end":3781.795,"confidence":0.7915039,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03602239862084389},{"word":"some","start":3781.795,"end":3782.115,"confidence":0.88427734,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":0.010532893240451813},{"word":"sometimes","start":3782.275,"end":3782.775,"confidence":0.99902344,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":0.01489260047674179},{"word":"it's","start":3782.835,"end":3782.9949,"confidence":0.80444336,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03104299306869507},{"word":"only","start":3782.9949,"end":3783.315,"confidence":0.9921875,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.024690743535757065},{"word":"$20","start":3783.315,"end":3784.035,"confidence":1.0,"punctuated_word":"$20","sentiment":"neutral","sentiment_score":0.02907482348382473},{"word":"a","start":3784.035,"end":3784.115,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02470618113875389},{"word":"month","start":3784.115,"end":3784.615,"confidence":0.82910156,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":0.03488877788186073},{"word":"but","start":3784.6748,"end":3784.9148,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0442839041352272},{"word":"then","start":3784.9148,"end":3785.4148,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.054078444838523865},{"word":"last","start":3785.875,"end":3786.275,"confidence":0.9316406,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.03488623723387718},{"word":"month","start":3786.275,"end":3786.595,"confidence":0.80566406,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":0.06114494428038597},{"word":"i","start":3786.595,"end":3786.6748,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11052914708852768},{"word":"got","start":3786.6748,"end":3787.075,"confidence":0.97998047,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.12371672689914703},{"word":"40","start":3787.075,"end":3787.3948,"confidence":1.0,"punctuated_word":"40","sentiment":"neutral","sentiment_score":0.08208358287811279},{"word":"something","start":3787.3948,"end":3787.7148,"confidence":0.7338867,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.08621467649936676},{"word":"dollars","start":3787.7148,"end":3788.115,"confidence":0.9980469,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.059735506772994995},{"word":"interest","start":3788.115,"end":3788.515,"confidence":0.9921875,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.10366058349609376},{"word":"on","start":3788.515,"end":3788.755,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0990157425403595},{"word":"it","start":3788.755,"end":3788.9148,"confidence":0.9584961,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.09695548564195632},{"word":"so","start":3788.9148,"end":3789.4148,"confidence":0.55615234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23651789128780365},{"word":"yep","start":3806.93,"end":3807.3298,"confidence":0.93847656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08992677927017212},{"word":"okay","start":3807.3298,"end":3807.73,"confidence":0.99365234,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.17376504838466644},{"word":"thanks","start":3807.73,"end":3808.185,"confidence":0.9946289,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.4307336211204529},{"word":"they're","start":3818.5051,"end":3818.825,"confidence":0.9597168,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.029806073755025864},{"word":"all","start":3818.825,"end":3819.065,"confidence":0.9951172,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.02784831076860428},{"word":"under","start":3819.065,"end":3819.385,"confidence":0.75927734,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.010985903441905975},{"word":"this","start":3819.385,"end":3819.705,"confidence":0.53430176,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":-0.03532319515943527},{"word":"the","start":3819.705,"end":3819.865,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.035081010311841965},{"word":"limit","start":3819.865,"end":3820.365,"confidence":0.9885254,"punctuated_word":"limit.","sentiment":"neutral","sentiment_score":-0.005185175687074661},{"word":"i","start":3820.5051,"end":3820.585,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005115631967782974},{"word":"mean","start":3820.585,"end":3820.905,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.019950879737734795},{"word":"i","start":3820.905,"end":3820.985,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01857147365808487},{"word":"think","start":3820.985,"end":3821.3052,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.013592006638646126},{"word":"we've","start":3821.3052,"end":3821.5452,"confidence":0.9916992,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.030995603650808334},{"word":"got","start":3821.5452,"end":3822.0452,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03145614266395569},{"word":"3,000","start":3822.3398,"end":3823.0598,"confidence":1.0,"punctuated_word":"3,000","sentiment":"neutral","sentiment_score":0.05543312802910805},{"word":"in","start":3823.0598,"end":3823.22,"confidence":0.85839844,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05685920640826225},{"word":"the","start":3823.22,"end":3823.46,"confidence":0.87841797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07232141494750977},{"word":"savings","start":3823.46,"end":3823.96,"confidence":0.9980469,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.05285579338669777},{"word":"and","start":3825.46,"end":3825.7,"confidence":0.91015625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04208563640713692},{"word":"1,000","start":3825.7,"end":3826.42,"confidence":0.99902344,"punctuated_word":"1,000","sentiment":"neutral","sentiment_score":0.07595448195934296},{"word":"something","start":3826.42,"end":3826.74,"confidence":0.96533203,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.037050239741802216},{"word":"in","start":3826.74,"end":3826.9,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05546775460243225},{"word":"a","start":3826.9,"end":3827.0598,"confidence":0.8642578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07059575617313385},{"word":"bill","start":3827.0598,"end":3827.38,"confidence":0.9838867,"punctuated_word":"bill","sentiment":"neutral","sentiment_score":0.08002915978431702},{"word":"paying","start":3827.38,"end":3827.7,"confidence":0.92333984,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.052487216889858246},{"word":"account","start":3827.7,"end":3828.18,"confidence":0.83813477,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.01966099254786968},{"word":"so","start":3828.18,"end":3828.68,"confidence":0.89624023,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.05452878400683403},{"word":"yeah","start":3829.0598,"end":3829.5598,"confidence":0.96069336,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.07098835706710815},{"word":"not","start":3829.7,"end":3829.94,"confidence":0.921875,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2463931441307068},{"word":"a","start":3829.94,"end":3830.02,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.20728136599063873},{"word":"great","start":3830.02,"end":3830.3398,"confidence":1.0,"punctuated_word":"great","sentiment":"neutral","sentiment_score":-0.09134139120578766},{"word":"deal","start":3830.3398,"end":3830.8398,"confidence":0.9995117,"punctuated_word":"deal.","sentiment":"neutral","sentiment_score":-0.1638830602169037},{"word":"yeah","start":3852.3,"end":3852.78,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04803726077079773},{"word":"just","start":3852.78,"end":3853.28,"confidence":0.9838867,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.04580474644899368},{"word":"close","start":3854.86,"end":3855.18,"confidence":0.28222656,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.04629059508442879},{"word":"to","start":3855.18,"end":3855.34,"confidence":0.8774414,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07468470931053162},{"word":"one","start":3855.34,"end":3855.66,"confidence":0.9951172,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04615571349859238},{"word":"if","start":3855.66,"end":3855.9,"confidence":0.72509766,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07186118513345718},{"word":"it","start":3855.9,"end":3856.06,"confidence":0.66845703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05214444547891617},{"word":"if","start":3856.38,"end":3856.7,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05107533931732178},{"word":"one","start":3856.7,"end":3857.2,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.02547489106655121},{"word":"passes","start":3857.42,"end":3857.9,"confidence":0.98828125,"punctuated_word":"passes","sentiment":"neutral","sentiment_score":0.009201809763908386},{"word":"away","start":3857.9,"end":3858.22,"confidence":0.9980469,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.041371386498212814},{"word":"and","start":3858.22,"end":3858.46,"confidence":0.59765625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06868421286344528},{"word":"then","start":3858.46,"end":3858.96,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09394202381372452},{"word":"both","start":3859.42,"end":3859.755,"confidence":0.98535156,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.06465324759483337},{"word":"kids","start":3859.755,"end":3860.075,"confidence":1.0,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.0799793154001236},{"word":"get","start":3860.075,"end":3860.2349,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09110540896654128},{"word":"it","start":3860.2349,"end":3860.4749,"confidence":0.7216797,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.09516983479261398},{"word":"and","start":3860.4749,"end":3860.6348,"confidence":0.9614258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07569824159145355},{"word":"they're","start":3860.6348,"end":3860.875,"confidence":0.9316406,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.08142583817243576},{"word":"both","start":3860.875,"end":3861.275,"confidence":0.9970703,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.09181727468967438},{"word":"executor","start":3861.275,"end":3861.775,"confidence":0.9628906,"punctuated_word":"executor","sentiment":"neutral","sentiment_score":0.0850079357624054},{"word":"and","start":3861.9148,"end":3862.315,"confidence":0.9614258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0638980120420456},{"word":"power","start":3862.315,"end":3862.555,"confidence":0.9580078,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.0984380543231964},{"word":"of","start":3862.555,"end":3862.875,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09546223282814026},{"word":"attorney","start":3862.875,"end":3863.375,"confidence":0.9577637,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":0.08840718865394592},{"word":"so","start":3863.4348,"end":3863.595,"confidence":0.9404297,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09594444930553436},{"word":"yeah","start":3884.34,"end":3884.82,"confidence":0.94384766,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1090259999036789},{"word":"thanks","start":3884.82,"end":3885.32,"confidence":0.8286133,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":0.3055580258369446},{"word":"yeah","start":3887.205,"end":3887.365,"confidence":0.7307129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10010701417922974},{"word":"we're","start":3887.365,"end":3887.685,"confidence":0.8527832,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.010768137872219086},{"word":"not","start":3887.685,"end":3887.925,"confidence":0.93847656,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03059433400630951},{"word":"planning","start":3887.925,"end":3888.245,"confidence":0.8120117,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":-0.15229469537734985},{"word":"to","start":3888.245,"end":3888.3252,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11345537006855012},{"word":"split","start":3888.3252,"end":3888.5652,"confidence":0.99902344,"punctuated_word":"split","sentiment":"neutral","sentiment_score":-0.15482409298419952},{"word":"up","start":3888.5652,"end":3889.0652,"confidence":0.9921875,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.06807636469602585},{"word":"the","start":3921.645,"end":3921.9648,"confidence":0.9550781,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.03068583458662033},{"word":"pension","start":3921.9648,"end":3922.445,"confidence":0.96777344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.02609359472990036},{"word":"one","start":3922.445,"end":3922.945,"confidence":0.9404297,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.014577001333236694},{"word":"you","start":3923.405,"end":3923.565,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02656126767396927},{"word":"gotta","start":3923.565,"end":3923.9648,"confidence":0.82910156,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.030267000198364254},{"word":"draw","start":3923.9648,"end":3924.285,"confidence":0.9970703,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":-0.06095297634601593},{"word":"so","start":3924.285,"end":3924.525,"confidence":0.9941406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.02262929081916809},{"word":"much","start":3924.525,"end":3924.845,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.03490440174937248},{"word":"out","start":3924.845,"end":3925.165,"confidence":0.98291016,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0132916197180748},{"word":"every","start":3925.165,"end":3925.4849,"confidence":0.984375,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.01817581057548523},{"word":"so","start":3925.4849,"end":3925.7249,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.029123790562152863},{"word":"often","start":3925.7249,"end":3926.125,"confidence":0.88256836,"punctuated_word":"often,","sentiment":"neutral","sentiment_score":-0.026203703135252},{"word":"don't","start":3926.125,"end":3926.365,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0011397041380405426},{"word":"you","start":3926.365,"end":3926.865,"confidence":0.98168945,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.0028380639851093292},{"word":"yes","start":3961.39,"end":3961.89,"confidence":0.89331055,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.18124136328697205},{"word":"yeah","start":4025.83,"end":4026.1501,"confidence":0.7998047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2652950882911682},{"word":"thanks","start":4026.1501,"end":4026.6501,"confidence":0.99902344,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.47662773728370667},{"word":"so","start":4026.87,"end":4027.11,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18814285099506375},{"word":"does","start":4027.11,"end":4027.35,"confidence":0.9921875,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.11587873101234436},{"word":"that","start":4027.35,"end":4027.59,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25569310784339905},{"word":"mean","start":4027.59,"end":4028.09,"confidence":0.9970703,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.06289330124855042},{"word":"frank","start":4028.31,"end":4028.79,"confidence":0.9902344,"punctuated_word":"Frank","sentiment":"neutral","sentiment_score":0.16054418683052063},{"word":"should","start":4028.79,"end":4029.11,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.11763016134500504},{"word":"probably","start":4029.11,"end":4029.51,"confidence":0.9941406,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1384381502866745},{"word":"be","start":4029.51,"end":4029.59,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08465072512626648},{"word":"in","start":4029.59,"end":4029.75,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11249183863401412},{"word":"the","start":4029.75,"end":4029.9102,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13630232214927673},{"word":"pension","start":4029.9102,"end":4030.3901,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.24112191796302795},{"word":"phase","start":4030.3901,"end":4030.7102,"confidence":0.9970703,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.1567358672618866},{"word":"now","start":4030.7102,"end":4031.2102,"confidence":0.9975586,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.13973891735076904},{"word":"yes","start":4050.61,"end":4051.11,"confidence":0.97314453,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07873044162988663},{"word":"yep","start":4076.395,"end":4076.895,"confidence":0.8466797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0235067754983902},{"word":"he","start":4093.455,"end":4093.955,"confidence":0.8510742,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.01675313338637352},{"word":"doesn't","start":4098.015,"end":4098.335,"confidence":0.99609375,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.05501282215118408},{"word":"know","start":4098.335,"end":4098.6553,"confidence":0.9345703,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.06875604391098022},{"word":"he","start":4098.6553,"end":4098.815,"confidence":0.99902344,"punctuated_word":"He","sentiment":"neutral","sentiment_score":-0.10342786461114883},{"word":"doesn't","start":4098.815,"end":4099.1353,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.11527791619300842},{"word":"do","start":4099.1353,"end":4099.295,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.11492489278316498},{"word":"any","start":4099.295,"end":4099.415,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.10384789109230042},{"word":"of","start":4099.415,"end":4099.535,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13861149549484253},{"word":"this","start":4099.535,"end":4099.855,"confidence":0.94140625,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.12671317160129547},{"word":"stuff","start":4099.855,"end":4100.355,"confidence":0.5905762,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":-0.11537668108940125},{"word":"i","start":4101.935,"end":4102.015,"confidence":0.7260742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04742490500211716},{"word":"suppose","start":4102.015,"end":4102.495,"confidence":0.97265625,"punctuated_word":"suppose","sentiment":"neutral","sentiment_score":-0.07682748138904572},{"word":"it's","start":4102.495,"end":4102.735,"confidence":0.9748535,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0665595680475235},{"word":"better","start":4102.735,"end":4103.055,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.0944276750087738},{"word":"off","start":4103.055,"end":4103.535,"confidence":0.9863281,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.07167961448431015},{"word":"him","start":4103.535,"end":4103.935,"confidence":0.9863281,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.06371897459030151},{"word":"staying","start":4103.935,"end":4104.255,"confidence":0.9819336,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":-0.07825262099504471},{"word":"where","start":4104.255,"end":4104.575,"confidence":0.9970703,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.04062279313802719},{"word":"he","start":4104.575,"end":4104.735,"confidence":0.9980469,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.0305609367787838},{"word":"is","start":4104.735,"end":4105.1353,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.025962062180042267},{"word":"because","start":4105.1353,"end":4105.6353,"confidence":0.8364258,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0435589924454689},{"word":"don't","start":4106.13,"end":4106.4497,"confidence":0.7076416,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05514543503522873},{"word":"wanna","start":4106.4497,"end":4106.69,"confidence":0.8911133,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.097980335354805},{"word":"get","start":4106.69,"end":4106.9297,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.09461896866559982},{"word":"it","start":4106.9297,"end":4107.01,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09155334532260896},{"word":"too","start":4107.01,"end":4107.25,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.12154300510883333},{"word":"much","start":4107.25,"end":4107.57,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.0895247757434845},{"word":"lower","start":4107.57,"end":4107.89,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.09278573840856552},{"word":"than","start":4107.89,"end":4108.39,"confidence":0.9941406,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.13852408528327942},{"word":"that","start":4109.01,"end":4109.33,"confidence":0.8051758,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06930411607027054},{"word":"before","start":4109.33,"end":4109.65,"confidence":0.93847656,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.08181029558181763},{"word":"we","start":4109.65,"end":4109.89,"confidence":0.9838867,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07590693235397339},{"word":"have","start":4109.89,"end":4110.05,"confidence":0.9550781,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08745577931404114},{"word":"to","start":4110.05,"end":4110.21,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0912266969680786},{"word":"start","start":4110.21,"end":4110.53,"confidence":0.97802734,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.09339997172355652},{"word":"pulling","start":4110.53,"end":4110.9297,"confidence":0.9980469,"punctuated_word":"pulling","sentiment":"neutral","sentiment_score":-0.09364815056324004},{"word":"anything","start":4110.9297,"end":4111.33,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.099853053689003},{"word":"out","start":4111.33,"end":4111.83,"confidence":0.97509766,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.05905018374323845},{"word":"yes","start":4220.61,"end":4221.01,"confidence":0.74365234,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.33082669973373413},{"word":"it","start":4221.01,"end":4221.25,"confidence":0.8339844,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3870385587215424},{"word":"sure","start":4221.25,"end":4221.65,"confidence":0.875,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.39057794213294983},{"word":"does","start":4221.65,"end":4222.15,"confidence":0.9807129,"punctuated_word":"does.","sentiment":"positive","sentiment_score":0.3603323996067047},{"word":"yes","start":4241.975,"end":4242.455,"confidence":0.8486328,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14566820859909058},{"word":"just","start":4242.455,"end":4242.6953,"confidence":0.8774414,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.14637616276741028},{"word":"stay","start":4242.6953,"end":4242.935,"confidence":0.8798828,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.14046840369701383},{"word":"on","start":4242.935,"end":4243.095,"confidence":0.64941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2004462331533432},{"word":"that","start":4243.095,"end":4243.415,"confidence":0.79785156,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.22323042154312137},{"word":"alright","start":4243.415,"end":4243.915,"confidence":0.71435547,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.22271963953971863},{"word":"you","start":4244.25,"end":4244.73,"confidence":0.7265625,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.16367264091968536},{"word":"do","start":4244.73,"end":4244.81,"confidence":0.5703125,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23275189101696017},{"word":"the","start":4244.81,"end":4244.89,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1986101269721985},{"word":"best","start":4244.89,"end":4245.39,"confidence":0.9863281,"punctuated_word":"best.","sentiment":"neutral","sentiment_score":0.15312206745147705},{"word":"yeah","start":4250.65,"end":4250.97,"confidence":0.9470215,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20670226216316223},{"word":"that","start":4250.97,"end":4251.21,"confidence":0.9902344,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.3843332529067993},{"word":"sounds","start":4251.21,"end":4251.53,"confidence":0.92578125,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.3603254854679108},{"word":"good","start":4251.53,"end":4251.85,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.23374341428279877},{"word":"to","start":4251.85,"end":4251.93,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17841647565364838},{"word":"me","start":4251.93,"end":4252.25,"confidence":0.99902344,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.2305417358875275},{"word":"yep","start":4252.25,"end":4252.75,"confidence":0.78466797,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3835607171058655},{"word":"no","start":4263.745,"end":4264.225,"confidence":0.89282227,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.016354788094758987},{"word":"thanks","start":4264.225,"end":4264.725,"confidence":0.9650879,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":-0.04173355549573898},{"word":"that","start":4309.3447,"end":4309.665,"confidence":0.5292969,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.44040241837501526},{"word":"sounds","start":4309.665,"end":4310.145,"confidence":0.9741211,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.5168378949165344},{"word":"good","start":4310.145,"end":4310.545,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4278585612773895},{"word":"thanks","start":4310.545,"end":4310.945,"confidence":0.9758301,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5518583655357361},{"word":"sounds","start":4310.945,"end":4311.185,"confidence":0.7324219,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.48649147152900696},{"word":"really","start":4311.185,"end":4311.3447,"confidence":0.54541016,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6833022236824036},{"word":"good","start":4311.3447,"end":4311.8447,"confidence":0.9980469,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6500705480575562},{"word":"yeah","start":4345.605,"end":4346.105,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07680431753396988},{"word":"will","start":4346.165,"end":4346.485,"confidence":0.7163086,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":0.13757237792015076},{"word":"do","start":4346.485,"end":4346.985,"confidence":0.9890137,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.16332603991031647},{"word":"yeah","start":4353.6,"end":4353.8403,"confidence":0.87060547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12239369750022888},{"word":"that's","start":4353.8403,"end":4354.08,"confidence":0.9946289,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14346188306808472},{"word":"what","start":4354.08,"end":4354.24,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.14220663905143738},{"word":"i've","start":4354.24,"end":4354.4004,"confidence":0.9782715,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.14857518672943115},{"word":"been","start":4354.4004,"end":4354.64,"confidence":0.9941406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.1684901863336563},{"word":"doing","start":4354.64,"end":4355.14,"confidence":0.984375,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":0.19856740534305573},{"word":"i","start":4357.84,"end":4358.34,"confidence":0.5683594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18282367289066315},{"word":"know","start":4361.04,"end":4361.54,"confidence":0.3947754,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.18557749688625336},{"word":"i","start":4362.64,"end":4362.72,"confidence":0.74072266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01744527742266655},{"word":"i","start":4362.72,"end":4362.8804,"confidence":0.4741211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0032822005450725555},{"word":"got","start":4362.8804,"end":4363.12,"confidence":0.50097656,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0044413357973098755},{"word":"another","start":4363.12,"end":4363.4404,"confidence":0.9838867,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.008674927055835724},{"word":"couple","start":4363.4404,"end":4363.68,"confidence":0.98828125,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.013495981693267822},{"word":"of","start":4363.68,"end":4363.8403,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01577351987361908},{"word":"weeks","start":4363.8403,"end":4364.08,"confidence":0.9472656,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.011438991874456406},{"word":"here","start":4364.08,"end":4364.24,"confidence":0.5202637,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.03894411772489548},{"word":"don't","start":4364.24,"end":4364.4004,"confidence":0.74572754,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.0948307365179062},{"word":"i","start":4364.4004,"end":4364.745,"confidence":0.90234375,"punctuated_word":"I?","sentiment":"neutral","sentiment_score":0.07997849583625793},{"word":"yeah","start":4391.34,"end":4391.84,"confidence":0.8479004,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08765150606632233},{"word":"thanks","start":4401.7646,"end":4402.085,"confidence":0.46166992,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.6656489372253418},{"word":"for","start":4402.085,"end":4402.3247,"confidence":0.9941406,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7761298418045044},{"word":"your","start":4402.3247,"end":4402.565,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7215887904167175},{"word":"help","start":4402.565,"end":4402.8047,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.7415867447853088},{"word":"today","start":4402.8047,"end":4403.2847,"confidence":0.81030273,"punctuated_word":"today.","sentiment":"positive","sentiment_score":0.658637523651123},{"word":"yeah","start":4403.2847,"end":4403.6846,"confidence":0.9333496,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.38269490003585815},{"word":"okay","start":4403.6846,"end":4404.1846,"confidence":0.6948242,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.28610897064208984},{"word":"okay","start":4410.4873,"end":4410.9873,"confidence":0.9177246,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.3230612277984619},{"word":"okay","start":4411.047,"end":4411.527,"confidence":0.98168945,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.3166528344154358},{"word":"thanks","start":4411.527,"end":4412.027,"confidence":0.99902344,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.6743742227554321}],"paragraphs":{"transcript":"\nHello? Hello? Yeah. I can hear you better. Yep.\n\nIt's good. Yeah. A bit louder too. 09/17 to 11/1960. 361 Quarterwood Creek Road, Scottsdale, Queensland 4804.\n\nTwenty seventh of the second, fifty seven. Yes. Yeah. That's good. Thanks.\n\nYes. Yeah. So what did it say if the balance now was 135,000? Alright. Okay.\n\nYep. Thanks. Yeah. Yeah. Yep.\n\nWe don't know too much about it. So what we'll just whatever you really think. As long as you think the investments are good. Yes. Yeah.\n\nI only work two days a week, and I'd love to give it up. But until I can get a pension, there's not much I can do about it. But that's so that's about fifteen months, and then I'll Yeah. Close to 66. Yeah.\n\nAnd yeah. Well, I'm doing it, and they take money off him because I earn money. So Well, I've worked it out. I mean, we can sorta the way it is, I'm still better off than not working. So Hold off if we can and just get some out if we need it would be the best way to go at the moment.\n\nI don't think so. Not at the moment. Not unless I go away on holidays and leave him at home. Sounds good. Well, we had a just had a big one.\n\nGreat. Not long enough. Four and a half weeks, but, yeah, wish it was longer. But, anyway. Yeah.\n\nIf if you can. Thanks. Yeah. And, I mean, if our super can be, yeah, not as, I mean, it's not very risky at the moment, but a little bit less risky as well, maybe. Be good to have both.\n\nYeah. Thanks. I don't really understand a lot of it, but, yeah, that might be less risky. Nope. Technology is good.\n\nYeah. Probably about the middle. Three. Yeah. That's the three.\n\nRight? Yeah. It's trying out a little bit longer. I think so. Yeah.\n\nAs long as the age sleep is gonna be enough. The way it's gonna be, it's not. But anyway Now we probably live on about $2 a fortnight. I don't think the aid pension quite covers that. I'm not sure.\n\nYeah. Thanks. Sometimes it's hard because by the time you pay rates and, you know, I put away $800 a fortnight for rates, insurances, and regos, and health fund, and yeah. I'm not sure. Yeah.\n\nThat'd be good. Thanks. Yep. Concerned, but I don't really listen to the news. It's always bad.\n\nSo Not really. I'm talking, aren't I? No. Yeah. Probably.\n\nBecause, yeah, we can't afford for our super to get too much lower. Well, I mean, without us spending it. So Okay. Yeah. Yeah.\n\nI'm not sure. Probably a phone call to see what you just recommend. But yeah. Yeah. Well, we want the super to work as long as possible, but we can't really afford the risk to try and get really good returns.\n\nSo what are we on now? Sorry. Would be be worthwhile staying with that? I'm not sure. I mean, it's hard.\n\nThe older you get, the more you wanna not have too much of a risk. Yeah. Yeah. And just a question. Peep people our age with roughly what we got, what do they normally do?\n\nYeah. Yeah. So the fifty fifty is more of a risk than the seventy thirty. Yep. Okay.\n\nSo the fifty fifty is sorta average. Yeah. No. That sounds good. Thanks.\n\nI mean, we don't really understand it. So there is and whatever. Yep. Thanks. No.\n\nThat's all. Thanks. Yeah. Not much. Yeah.\n\nIt's a couple of weeks' worth. Yeah. Yeah. Yeah. So it's worthwhile doing.\n\nNot really, but I bring home about 500 most sweets. Well, if I work the sixteen hours a week, I bring home $5.39. So it would only be about $30 tax on that at the most, I reckon. Five $5.70 or something. Yeah.\n\nIf I would work at all. Yeah. Okay. That'll be worth all doing. Yes.\n\nYes. Yep. That's the question. Does the government I know years ago when I was working for someone else, I put $20 in a week to my super, and the government had to match up to a certain amount. Do they still do that?\n\nYep. Yep. So I'd be better off in, like, twenty minutes. Okay. Yeah.\n\nWell, I'll do that. I just won't claim it. Yeah. I'll be making it for a while. A few years for me.\n\nYeah. No. I do have a question about the email I got from Kendall. Is it? Those forms that he sent me to sign, that's got a $20,000 That's the 20 thousand dollars I took out to go on holidays.\n\nIs part of that? If I can read it properly. Yeah. I mean, I can't get into my emails on my computer. But It's not there now, but it was before there.\n\nMaybe. So I just sign it and send it back. Yeah. Because the first one is transaction without advice. Withdraw $20,000 from my Yep.\n\nYeah. January 12, we started, but then we had trouble because it was Frank's signature coming up on it all the time. So I had to sign a couple of times. So Mhmm. Yeah.\n\nBecause I can Yeah. And this one has got the partial account balance for 20 thousand dollars on it. I just didn't wanna sign it again. Yeah. Okay.\n\nI've just found the sign request from me for the annual review to my Gmail account from you. But, yeah, I wasn't sure about this one from from Kendall this morning. Yeah. Marty Marty, a different email to Rob's. That's all.\n\nYep. I think that's about it. Thanks. I I did just sign that one that you sent me to my Gmail account, so I hope that went through alright. You're alright.\n\nOkay. Yeah. Well, the prices of houses in town are going up. Some are selling to $404.50. I mean, in West, it's not five acres, but we're couple of from, you know, a bit out of town, not far.\n\nBut Okay. About four k. So, yeah, I'm not sure what the value would be worth. Yep. Well, that's probably average for a house block.\n\nSo we'll just keep ours at the $5.01. Yeah. Because we're 2.2 hectares. K. And it's freehold too.\n\nYeah. I mean, that's the highest I get. But if I don't work the whole sixteen hours a week, it's less. So it all depends how much work they've got for me to do. Just over 700.\n\n7 60. I think $7.50. Yeah. Just over 700 a fortnight. Yeah.\n\nSomething like that. No. It's not that high. Is it? What is it?\n\nIt's if I do my school if I do my thirty two hours of if I do thirty two hours of fortnight, he gets about 690 a fortnight. How much is it? I think it's $31.31 70, something like that. Yep. Two oh, it sounds a lot of money.\n\nDoesn't it? But it doesn't go very far. Okay. I reckon. No.\n\nAnd things are more expensive out here, I imagine. Yep. Yeah. Okay. Yep.\n\nTo me. Oh, I got no idea what they were. They're a good dollar. Yeah. Yeah.\n\nI mean, it'd probably be a $15.24. 15 maybe? No. Not now. I'm just looking at some others.\n\nI've seen some others on Facebook and that, but it's for sale. They're at the same age as mine, and they're about 3 or $4. I'll be lucky to get 5 for it. I think. No.\n\nSorry. I've got no idea. No. Would it be on Centrelink my Centrelink? Yeah.\n\nI do. Frank's my guy. Yep. Yep. Yep.\n\nProbably an email. Thanks. Because I'm on Frank's phone. Because I'm on Frank's phone, and I would have to get on to me to get one Frank's phone. Yeah.\n\nOkay. No. I just Okay. The same. Thanks.\n\nYeah. Well, there's not much left. I have opened a funeral account. Well, I did that a while ago, and I try and put $20 a fortnight or $20 a month in it, but it's in an account that gets if I don't touch it. And if I put in, it gets the higher interest.\n\nIt gets, like, a second lot of interest. But I don't claim that on Centrelink because it's a funeral account. So Yeah. Just off. Florida.\n\nYeah. I can think about it. It's probably you reckon that's a better way to go. Yes. Yeah.\n\nWe'll just talk about it, I think. Thanks. Just think it's, I mean, we only we don't wanna touch it, but I think it's a bit of if it's there, it's a bit of peace of mind if you need it, isn't it? Yes. Yeah.\n\nOkay. Nearly 11. Yeah. Some sometimes it's only $20 a month, but then last month, I got 40 something dollars interest on it. So Yep.\n\nOkay. Thanks. They're all under this, the limit. I mean, I think we've got 3,000 in the savings and 1,000 something in a bill paying account. So, yeah, not a great deal.\n\nYeah. Just close to one if it if one passes away and then both kids get it, and they're both executor and power of attorney. So Yeah. Thanks. Yeah.\n\nWe're not planning to split up. The pension one, you gotta draw so much out every so often, don't you? Yes. Yeah. Thanks.\n\nSo does that mean Frank should probably be in the pension phase now? Yes. Yep. He doesn't know. He doesn't do any of this stuff.\n\nI suppose it's better off him staying where he is because don't wanna get it too much lower than that before we have to start pulling anything out. Yes. It sure does. Yes. Just stay on that.\n\nAlright. You do the best. Yeah. That sounds good to me. Yep.\n\nNo. Thanks. That sounds good. Thanks. Sounds really good.\n\nYeah. Will do. Yeah. That's what I've been doing. I know.\n\nI I got another couple of weeks here, don't I? Yeah. Thanks for your help today. Yeah. Okay.\n\nOkay. Okay. Thanks.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.08,"end":0.58,"sentiment":"neutral","sentiment_score":0.011306436732411385},{"text":"Hello?","start":9.679999,"end":10.179999,"sentiment":"neutral","sentiment_score":0.012137195095419884},{"text":"Yeah.","start":14.755,"end":15.075,"sentiment":"neutral","sentiment_score":0.05655422806739807},{"text":"I can hear you better.","start":15.075,"end":16.195,"sentiment":"neutral","sentiment_score":0.060189343988895416},{"text":"Yep.","start":16.195,"end":16.595,"sentiment":"neutral","sentiment_score":0.10144921392202376}],"sentiment":"neutral","sentiment_score":0.053599310417970024,"num_words":9,"start":0.08,"end":16.595},{"sentences":[{"text":"It's good.","start":16.595,"end":17.255,"sentiment":"positive","sentiment_score":0.3392082676291466},{"text":"Yeah.","start":20.195,"end":20.675,"sentiment":"neutral","sentiment_score":0.1968553364276886},{"text":"A bit louder too.","start":20.675,"end":21.895,"sentiment":"neutral","sentiment_score":0.082541280426085},{"text":"09/17 to 11/1960.","start":48.065,"end":50.725,"sentiment":"neutral","sentiment_score":0.007343521962563197},{"text":"361 Quarterwood Creek Road, Scottsdale, Queensland 4804.","start":51.585,"end":56.41,"sentiment":"neutral","sentiment_score":0.019584976003638337}],"sentiment":"neutral","sentiment_score":0.08026837595902822,"num_words":17,"start":16.595,"end":56.41},{"sentences":[{"text":"Twenty seventh of the second, fifty seven.","start":61.67,"end":64.41,"sentiment":"neutral","sentiment_score":0.15448908294950212},{"text":"Yes.","start":81.71,"end":82.21,"sentiment":"neutral","sentiment_score":0.07212649285793304},{"text":"Yeah.","start":103.415,"end":103.735,"sentiment":"neutral","sentiment_score":0.11733676493167876},{"text":"That's good.","start":103.735,"end":104.375,"sentiment":"neutral","sentiment_score":0.2668122202157974},{"text":"Thanks.","start":104.375,"end":104.79,"sentiment":"positive","sentiment_score":0.3438531160354614}],"sentiment":"neutral","sentiment_score":0.17903036624193192,"num_words":12,"start":61.67,"end":104.79},{"sentences":[{"text":"Yes.","start":111.51,"end":112.01,"sentiment":"neutral","sentiment_score":0.0947445183992386},{"text":"Yeah.","start":174.415,"end":174.735,"sentiment":"neutral","sentiment_score":0.06085996329784393},{"text":"So what did it say if the balance now was 135,000?","start":174.735,"end":179.555,"sentiment":"neutral","sentiment_score":0.019119177436964077},{"text":"Alright.","start":193.67,"end":193.83,"sentiment":"neutral","sentiment_score":0.027247190475463867},{"text":"Okay.","start":193.83,"end":194.33,"sentiment":"neutral","sentiment_score":0.04992976039648056}],"sentiment":"neutral","sentiment_score":0.029539492291708786,"num_words":15,"start":111.51,"end":194.33},{"sentences":[{"text":"Yep.","start":194.47,"end":194.87001,"sentiment":"neutral","sentiment_score":0.12399231642484664},{"text":"Thanks.","start":194.87001,"end":195.37001,"sentiment":"neutral","sentiment_score":0.16059118509292605},{"text":"Yeah.","start":230.195,"end":230.695,"sentiment":"neutral","sentiment_score":0.01915270835161209},{"text":"Yeah.","start":240.355,"end":240.72,"sentiment":"neutral","sentiment_score":-0.005891885608434677},{"text":"Yep.","start":296.595,"end":297.095,"sentiment":"neutral","sentiment_score":-0.030702082440257072}],"sentiment":"neutral","sentiment_score":0.053428448364138605,"num_words":5,"start":194.47,"end":297.095},{"sentences":[{"text":"We don't know too much about it.","start":444.74002,"end":446.42,"sentiment":"neutral","sentiment_score":-0.0747967202748571},{"text":"So what we'll just whatever you really think.","start":446.42,"end":451.40002,"sentiment":"neutral","sentiment_score":0.014118418097496033},{"text":"As long as you think the investments are good.","start":462.295,"end":464.875,"sentiment":"neutral","sentiment_score":0.14442012541823918},{"text":"Yes.","start":496.665,"end":497.165,"sentiment":"neutral","sentiment_score":0.12416641414165495},{"text":"Yeah.","start":535.44995,"end":535.94995,"sentiment":"neutral","sentiment_score":0.04770200699567795}],"sentiment":"neutral","sentiment_score":0.04080845587528669,"num_words":26,"start":444.74002,"end":535.94995},{"sentences":[{"text":"I only work two days a week, and I'd love to give it up.","start":594.33,"end":597.85,"sentiment":"neutral","sentiment_score":-0.2821055714573179},{"text":"But until I can get a pension, there's not much I can do about it.","start":597.85,"end":601.565,"sentiment":"negative","sentiment_score":-0.3522308588027954},{"text":"But that's so that's about fifteen months, and then I'll Yeah.","start":603.705,"end":614.21,"sentiment":"neutral","sentiment_score":0.027933290630409665},{"text":"Close to 66.","start":614.91,"end":616.37,"sentiment":"neutral","sentiment_score":0.022175146887699764},{"text":"Yeah.","start":637.425,"end":637.905,"sentiment":"neutral","sentiment_score":0.0785132646560669}],"sentiment":"neutral","sentiment_score":-0.19955990864069795,"num_words":44,"start":594.33,"end":637.905},{"sentences":[{"text":"And yeah.","start":637.905,"end":638.625,"sentiment":"neutral","sentiment_score":0.030603311490267515},{"text":"Well, I'm doing it, and they take money off him because I earn money.","start":638.625,"end":642.625,"sentiment":"neutral","sentiment_score":-0.058527875425560136},{"text":"So Well, I've worked it out.","start":642.625,"end":656.06,"sentiment":"neutral","sentiment_score":0.226319486896197},{"text":"I mean, we can sorta the way it is, I'm still better off than not working.","start":656.2,"end":665.875,"sentiment":"neutral","sentiment_score":0.25832828879356384},{"text":"So Hold off if we can and just get some out if we need it would be the best way to go at the moment.","start":666.175,"end":686.545,"sentiment":"neutral","sentiment_score":0.04571405120193958}],"sentiment":"neutral","sentiment_score":0.09326725697056168,"num_words":63,"start":637.905,"end":686.545},{"sentences":[{"text":"I don't think so.","start":700.66003,"end":701.62,"sentiment":"neutral","sentiment_score":-0.1391833797097206},{"text":"Not at the moment.","start":701.62,"end":702.66003,"sentiment":"neutral","sentiment_score":-0.2403137981891632},{"text":"Not unless I go away on holidays and leave him at home.","start":702.66003,"end":707.0,"sentiment":"neutral","sentiment_score":-0.1705871857702732},{"text":"Sounds good.","start":711.255,"end":713.355,"sentiment":"neutral","sentiment_score":0.3299000412225723},{"text":"Well, we had a just had a big one.","start":718.695,"end":721.03503,"sentiment":"neutral","sentiment_score":-0.012415356520149443}],"sentiment":"neutral","sentiment_score":-0.09732171184112949,"num_words":31,"start":700.66003,"end":721.03503},{"sentences":[{"text":"Great.","start":728.78,"end":729.28,"sentiment":"neutral","sentiment_score":0.16706566512584686},{"text":"Not long enough.","start":729.34,"end":730.4,"sentiment":"neutral","sentiment_score":-0.017615973949432373},{"text":"Four and a half weeks, but, yeah, wish it was longer.","start":730.62006,"end":734.64,"sentiment":"neutral","sentiment_score":-0.032420656220479446},{"text":"But, anyway.","start":735.9,"end":736.56006,"sentiment":"neutral","sentiment_score":0.031566670164465904},{"text":"Yeah.","start":776.835,"end":777.335,"sentiment":"neutral","sentiment_score":0.12349767237901688}],"sentiment":"neutral","sentiment_score":-0.003098803468876415,"num_words":18,"start":728.78,"end":777.335},{"sentences":[{"text":"If if you can.","start":777.395,"end":778.595,"sentiment":"neutral","sentiment_score":0.19540229067206383},{"text":"Thanks.","start":778.595,"end":779.095,"sentiment":"positive","sentiment_score":0.5606818199157715},{"text":"Yeah.","start":780.115,"end":780.515,"sentiment":"neutral","sentiment_score":0.12566784024238586},{"text":"And, I mean, if our super can be, yeah, not as, I mean, it's not very risky at the moment, but a little bit less risky as well, maybe.","start":780.515,"end":793.69995,"sentiment":"neutral","sentiment_score":-0.19087078293849682},{"text":"Be good to have both.","start":819.12,"end":820.34,"sentiment":"positive","sentiment_score":0.43278175592422485}],"sentiment":"neutral","sentiment_score":-0.04758462756872177,"num_words":40,"start":777.395,"end":820.34},{"sentences":[{"text":"Yeah.","start":868.60004,"end":868.68,"sentiment":"neutral","sentiment_score":0.14285433292388916},{"text":"Thanks.","start":868.68,"end":869.18,"sentiment":"neutral","sentiment_score":0.23138216137886047},{"text":"I don't really understand a lot of it, but, yeah, that might be less risky.","start":869.24,"end":876.14,"sentiment":"neutral","sentiment_score":-0.09115339616934458},{"text":"Nope.","start":963.23,"end":963.63,"sentiment":"neutral","sentiment_score":0.04246982187032699},{"text":"Technology is good.","start":963.63,"end":965.08997,"sentiment":"neutral","sentiment_score":0.23851828277111053}],"sentiment":"neutral","sentiment_score":-0.011192370383512406,"num_words":21,"start":868.60004,"end":965.08997},{"sentences":[{"text":"Yeah.","start":1046.35,"end":1046.85,"sentiment":"neutral","sentiment_score":0.1382814645767212},{"text":"Probably about the middle.","start":1118.475,"end":1119.855,"sentiment":"neutral","sentiment_score":-0.003061278490349651},{"text":"Three.","start":1121.115,"end":1121.615,"sentiment":"neutral","sentiment_score":0.006575390230864286},{"text":"Yeah.","start":1131.51,"end":1132.01,"sentiment":"neutral","sentiment_score":0.07316529750823975},{"text":"That's the three.","start":1132.15,"end":1133.11,"sentiment":"neutral","sentiment_score":0.07991452763477962}],"sentiment":"neutral","sentiment_score":0.04455206212587655,"num_words":10,"start":1046.35,"end":1133.11},{"sentences":[{"text":"Right?","start":1133.11,"end":1133.61,"sentiment":"neutral","sentiment_score":0.0629459023475647},{"text":"Yeah.","start":1151.8201,"end":1152.3201,"sentiment":"neutral","sentiment_score":-0.020465074107050896},{"text":"It's trying out a little bit longer.","start":1152.38,"end":1154.2401,"sentiment":"neutral","sentiment_score":-0.08839539385267667},{"text":"I think so.","start":1164.985,"end":1165.865,"sentiment":"neutral","sentiment_score":0.03537921980023384},{"text":"Yeah.","start":1165.865,"end":1166.365,"sentiment":"neutral","sentiment_score":0.03501950204372406}],"sentiment":"neutral","sentiment_score":-0.033471520560292095,"num_words":13,"start":1133.11,"end":1166.365},{"sentences":[{"text":"As long as the age sleep is gonna be enough.","start":1168.825,"end":1171.3049,"sentiment":"neutral","sentiment_score":-0.01745133027434349},{"text":"The way it's gonna be, it's not.","start":1171.3049,"end":1173.085,"sentiment":"neutral","sentiment_score":-0.13034973932164057},{"text":"But anyway Now we probably live on about $2 a fortnight.","start":1173.1449,"end":1195.6749,"sentiment":"neutral","sentiment_score":0.004171911711719903},{"text":"I don't think the aid pension quite covers that.","start":1201.255,"end":1204.315,"sentiment":"neutral","sentiment_score":-0.12602630050645935},{"text":"I'm not sure.","start":1214.98,"end":1215.88,"sentiment":"neutral","sentiment_score":-0.11164977898200353}],"sentiment":"neutral","sentiment_score":-0.06275641226675362,"num_words":40,"start":1168.825,"end":1215.88},{"sentences":[{"text":"Yeah.","start":1224.205,"end":1224.705,"sentiment":"neutral","sentiment_score":0.0859576016664505},{"text":"Thanks.","start":1224.765,"end":1225.265,"sentiment":"neutral","sentiment_score":0.1860082596540451},{"text":"Sometimes it's hard because by the time you pay rates and, you know, I put away $800 a fortnight for rates, insurances, and regos, and health fund, and yeah.","start":1225.325,"end":1239.08,"sentiment":"neutral","sentiment_score":-0.09524571702911935},{"text":"I'm not sure.","start":1257.83,"end":1258.81,"sentiment":"neutral","sentiment_score":-0.11542124797900517},{"text":"Yeah.","start":1311.295,"end":1311.615,"sentiment":"neutral","sentiment_score":0.16953593492507937}],"sentiment":"neutral","sentiment_score":-0.07619679261531148,"num_words":35,"start":1224.205,"end":1311.615},{"sentences":[{"text":"That'd be good.","start":1311.615,"end":1312.335,"sentiment":"positive","sentiment_score":0.4056661029656728},{"text":"Thanks.","start":1312.335,"end":1312.74,"sentiment":"positive","sentiment_score":0.5167275667190552},{"text":"Yep.","start":1338.3351,"end":1338.8351,"sentiment":"neutral","sentiment_score":0.10661664605140686},{"text":"Concerned, but I don't really listen to the news.","start":1381.76,"end":1384.88,"sentiment":"negative","sentiment_score":-0.33564185268349117},{"text":"It's always bad.","start":1384.88,"end":1386.0,"sentiment":"negative","sentiment_score":-0.3879609207312266}],"sentiment":"neutral","sentiment_score":-0.13790099498103647,"num_words":17,"start":1311.615,"end":1386.0},{"sentences":[{"text":"So Not really.","start":1386.0,"end":1392.715,"sentiment":"neutral","sentiment_score":-0.26155608892440796},{"text":"I'm talking, aren't I?","start":1392.775,"end":1394.235,"sentiment":"neutral","sentiment_score":-0.13401558808982372},{"text":"No.","start":1409.3,"end":1409.8,"sentiment":"neutral","sentiment_score":-0.1087503433227539},{"text":"Yeah.","start":1431.77,"end":1432.0901,"sentiment":"neutral","sentiment_score":-0.052840039134025574},{"text":"Probably.","start":1432.0901,"end":1432.5701,"sentiment":"neutral","sentiment_score":-0.061677172780036926}],"sentiment":"neutral","sentiment_score":-0.1543998174369335,"num_words":10,"start":1386.0,"end":1432.5701},{"sentences":[{"text":"Because, yeah, we can't afford for our super to get too much lower.","start":1432.5701,"end":1435.9501,"sentiment":"neutral","sentiment_score":-0.15133442213902107},{"text":"Well, I mean, without us spending it.","start":1437.37,"end":1439.77,"sentiment":"neutral","sentiment_score":-0.05385739915072918},{"text":"So Okay.","start":1439.77,"end":1440.68,"sentiment":"neutral","sentiment_score":-0.020016943104565144},{"text":"Yeah.","start":1446.895,"end":1447.395,"sentiment":"neutral","sentiment_score":-0.021548250690102577},{"text":"Yeah.","start":1469.76,"end":1470.225,"sentiment":"neutral","sentiment_score":-0.07244709879159927}],"sentiment":"neutral","sentiment_score":-0.1032657715647171,"num_words":24,"start":1432.5701,"end":1470.225},{"sentences":[{"text":"I'm not sure.","start":1470.3049,"end":1471.105,"sentiment":"neutral","sentiment_score":-0.09512703120708466},{"text":"Probably a phone call to see what you just recommend.","start":1471.105,"end":1473.605,"sentiment":"neutral","sentiment_score":-0.10452508479356766},{"text":"But yeah.","start":1473.6649,"end":1474.965,"sentiment":"neutral","sentiment_score":-0.02269339794293046},{"text":"Yeah.","start":1479.985,"end":1480.485,"sentiment":"neutral","sentiment_score":-0.015129223465919496},{"text":"Well, we want the super to work as long as possible, but we can't really afford the risk to try and get really good returns.","start":1512.1,"end":1521.64,"sentiment":"neutral","sentiment_score":-0.14242278516292572}],"sentiment":"neutral","sentiment_score":-0.12077359975565498,"num_words":41,"start":1470.3049,"end":1521.64},{"sentences":[{"text":"So what are we on now?","start":1604.25,"end":1605.69,"sentiment":"neutral","sentiment_score":-0.019438145992656548},{"text":"Sorry.","start":1605.69,"end":1606.19,"sentiment":"neutral","sentiment_score":-0.06452812254428864},{"text":"Would be be worthwhile staying with that?","start":1620.825,"end":1623.485,"sentiment":"neutral","sentiment_score":0.05754485673138073},{"text":"I'm not sure.","start":1647.915,"end":1648.795,"sentiment":"negative","sentiment_score":-0.3756341834863027},{"text":"I mean, it's hard.","start":1648.795,"end":1653.32,"sentiment":"negative","sentiment_score":-0.43610383570194244}],"sentiment":"neutral","sentiment_score":-0.12617432831653527,"num_words":21,"start":1604.25,"end":1653.32},{"sentences":[{"text":"The older you get, the more you wanna not have too much of a risk.","start":1653.46,"end":1657.64,"sentiment":"negative","sentiment_score":-0.40175014932950337},{"text":"Yeah.","start":1665.5399,"end":1666.0399,"sentiment":"neutral","sentiment_score":-0.005320567637681961},{"text":"Yeah.","start":1735.445,"end":1735.945,"sentiment":"neutral","sentiment_score":0.06220506876707077},{"text":"And just a question.","start":1736.4299,"end":1737.57,"sentiment":"neutral","sentiment_score":0.007919429801404476},{"text":"Peep people our age with roughly what we got, what do they normally do?","start":1738.75,"end":1744.21,"sentiment":"neutral","sentiment_score":-0.04941132052668503}],"sentiment":"neutral","sentiment_score":-0.18941281448517527,"num_words":35,"start":1653.46,"end":1744.21},{"sentences":[{"text":"Yeah.","start":1748.75,"end":1749.25,"sentiment":"neutral","sentiment_score":-0.02490866184234619},{"text":"Yeah.","start":1808.6549,"end":1809.0549,"sentiment":"neutral","sentiment_score":-0.014476228505373},{"text":"So the fifty fifty is more of a risk than the seventy thirty.","start":1809.0549,"end":1813.5549,"sentiment":"neutral","sentiment_score":-0.044256777717516974},{"text":"Yep.","start":1818.735,"end":1819.235,"sentiment":"neutral","sentiment_score":0.1029628962278366},{"text":"Okay.","start":1840.0951,"end":1840.5951,"sentiment":"neutral","sentiment_score":0.11690935492515564}],"sentiment":"neutral","sentiment_score":-0.023226514677791035,"num_words":17,"start":1748.75,"end":1840.5951},{"sentences":[{"text":"So the fifty fifty is sorta average.","start":1840.655,"end":1843.2351,"sentiment":"neutral","sentiment_score":0.16172914419855391},{"text":"Yeah.","start":1895.155,"end":1895.655,"sentiment":"neutral","sentiment_score":0.08472710847854614},{"text":"No.","start":1914.945,"end":1915.265,"sentiment":"neutral","sentiment_score":0.04102851077914238},{"text":"That sounds good.","start":1915.265,"end":1916.225,"sentiment":"positive","sentiment_score":0.3420342803001404},{"text":"Thanks.","start":1916.225,"end":1916.725,"sentiment":"positive","sentiment_score":0.5086965560913086}],"sentiment":"neutral","sentiment_score":0.21481992504917657,"num_words":13,"start":1840.655,"end":1916.725},{"sentences":[{"text":"I mean, we don't really understand it.","start":1932.6001,"end":1934.76,"sentiment":"neutral","sentiment_score":-0.20159399935177394},{"text":"So there is and whatever.","start":1934.76,"end":1937.8201,"sentiment":"neutral","sentiment_score":-0.006751705706119537},{"text":"Yep.","start":1963.17,"end":1963.65,"sentiment":"neutral","sentiment_score":0.1678560972213745},{"text":"Thanks.","start":1963.65,"end":1964.15,"sentiment":"positive","sentiment_score":0.39039504528045654},{"text":"No.","start":2008.8251,"end":2008.9851,"sentiment":"neutral","sentiment_score":-0.05394089594483375}],"sentiment":"neutral","sentiment_score":-0.0627070851624012,"num_words":15,"start":1932.6001,"end":2008.9851},{"sentences":[{"text":"That's all.","start":2008.9851,"end":2009.805,"sentiment":"neutral","sentiment_score":0.03057894390076399},{"text":"Thanks.","start":2009.9451,"end":2010.4451,"sentiment":"positive","sentiment_score":0.49949926137924194},{"text":"Yeah.","start":2021.79,"end":2022.29,"sentiment":"neutral","sentiment_score":0.1150488406419754},{"text":"Not much.","start":2022.91,"end":2023.65,"sentiment":"neutral","sentiment_score":-0.03673602640628815},{"text":"Yeah.","start":2032.765,"end":2033.085,"sentiment":"neutral","sentiment_score":0.02276620641350746}],"sentiment":"neutral","sentiment_score":0.08928573477481093,"num_words":7,"start":2008.9851,"end":2033.085},{"sentences":[{"text":"It's a couple of weeks' worth.","start":2033.085,"end":2034.285,"sentiment":"neutral","sentiment_score":0.02353033112982909},{"text":"Yeah.","start":2034.285,"end":2034.785,"sentiment":"neutral","sentiment_score":0.03260260820388794},{"text":"Yeah.","start":2059.06,"end":2059.56,"sentiment":"neutral","sentiment_score":0.04795505106449127},{"text":"Yeah.","start":2119.205,"end":2119.5251,"sentiment":"neutral","sentiment_score":0.20411907136440277},{"text":"So it's worthwhile doing.","start":2119.5251,"end":2121.065,"sentiment":"positive","sentiment_score":0.3430812135338783}],"sentiment":"neutral","sentiment_score":0.13832181319594383,"num_words":13,"start":2033.085,"end":2121.065},{"sentences":[{"text":"Not really, but I bring home about 500 most sweets.","start":2132.3098,"end":2138.5698,"sentiment":"neutral","sentiment_score":0.05547695942223072},{"text":"Well, if I work the sixteen hours a week, I bring home $5.39.","start":2149.565,"end":2155.1648,"sentiment":"neutral","sentiment_score":0.0867187289091257},{"text":"So it would only be about $30 tax on that at the most, I reckon.","start":2155.1648,"end":2159.59,"sentiment":"neutral","sentiment_score":0.13758272131284077},{"text":"Five $5.70 or something.","start":2162.1301,"end":2164.07,"sentiment":"neutral","sentiment_score":0.1131556648761034},{"text":"Yeah.","start":2171.33,"end":2171.83,"sentiment":"neutral","sentiment_score":0.16192078590393066}],"sentiment":"neutral","sentiment_score":0.10140458918934644,"num_words":43,"start":2132.3098,"end":2171.83},{"sentences":[{"text":"If I would work at all.","start":2172.69,"end":2178.045,"sentiment":"neutral","sentiment_score":0.07957115893562634},{"text":"Yeah.","start":2178.045,"end":2178.545,"sentiment":"neutral","sentiment_score":0.10714311897754668},{"text":"Okay.","start":2262.825,"end":2263.325,"sentiment":"positive","sentiment_score":0.3491489291191101},{"text":"That'll be worth all doing.","start":2264.585,"end":2266.205,"sentiment":"positive","sentiment_score":0.5041773021221161},{"text":"Yes.","start":2274.8499,"end":2275.3499,"sentiment":"neutral","sentiment_score":0.30556684732437134}],"sentiment":"neutral","sentiment_score":0.26858373997466906,"num_words":14,"start":2172.69,"end":2275.3499},{"sentences":[{"text":"Yes.","start":2295.825,"end":2296.325,"sentiment":"neutral","sentiment_score":0.009852061979472635},{"text":"Yep.","start":2334.0,"end":2334.5,"sentiment":"neutral","sentiment_score":0.21806173026561737},{"text":"That's the question.","start":2336.24,"end":2337.1401,"sentiment":"neutral","sentiment_score":-0.02110538228104512},{"text":"Does the government I know years ago when I was working for someone else, I put $20 in a week to my super, and the government had to match up to a certain amount.","start":2337.52,"end":2349.9048,"sentiment":"neutral","sentiment_score":-0.011412472245009506},{"text":"Do they still do that?","start":2349.9048,"end":2351.2048,"sentiment":"neutral","sentiment_score":-0.05775306150317192}],"sentiment":"neutral","sentiment_score":-0.011640720873732458,"num_words":44,"start":2295.825,"end":2351.2048},{"sentences":[{"text":"Yep.","start":2388.04,"end":2388.54,"sentiment":"neutral","sentiment_score":0.14582805335521698},{"text":"Yep.","start":2401.375,"end":2401.875,"sentiment":"neutral","sentiment_score":0.162514790892601},{"text":"So I'd be better off in, like, twenty minutes.","start":2451.135,"end":2453.475,"sentiment":"neutral","sentiment_score":0.0950367624560992},{"text":"Okay.","start":2473.0999,"end":2473.5999,"sentiment":"positive","sentiment_score":0.4803216159343719},{"text":"Yeah.","start":2515.0898,"end":2515.41,"sentiment":"neutral","sentiment_score":0.07154424488544464}],"sentiment":"neutral","sentiment_score":0.1319645820901944,"num_words":13,"start":2388.04,"end":2515.41},{"sentences":[{"text":"Well, I'll do that.","start":2515.41,"end":2516.29,"sentiment":"neutral","sentiment_score":0.07283693738281727},{"text":"I just won't claim it.","start":2516.29,"end":2518.07,"sentiment":"neutral","sentiment_score":-0.009465370699763298},{"text":"Yeah.","start":2527.97,"end":2528.29,"sentiment":"neutral","sentiment_score":0.1369743049144745},{"text":"I'll be making it for a while.","start":2528.29,"end":2530.07,"sentiment":"neutral","sentiment_score":0.14420694432088307},{"text":"A few years for me.","start":2530.255,"end":2542.275,"sentiment":"neutral","sentiment_score":0.1748955652117729}],"sentiment":"neutral","sentiment_score":0.10295098351145332,"num_words":22,"start":2515.41,"end":2542.275},{"sentences":[{"text":"Yeah.","start":2547.51,"end":2548.01,"sentiment":"neutral","sentiment_score":0.10746276378631592},{"text":"No.","start":2556.87,"end":2557.1902,"sentiment":"neutral","sentiment_score":-0.022046057507395744},{"text":"I do have a question about the email I got from Kendall.","start":2557.1902,"end":2560.555,"sentiment":"neutral","sentiment_score":-0.017615661801149447},{"text":"Is it?","start":2560.555,"end":2566.075,"sentiment":"neutral","sentiment_score":0.009017610922455788},{"text":"Those forms that he sent me to sign, that's got a $20,000 That's the 20 thousand dollars I took out to go on holidays.","start":2566.075,"end":2582.04,"sentiment":"neutral","sentiment_score":-0.01094461694204559}],"sentiment":"neutral","sentiment_score":-0.009265170502476393,"num_words":40,"start":2547.51,"end":2582.04},{"sentences":[{"text":"Is part of that?","start":2583.14,"end":2584.3599,"sentiment":"neutral","sentiment_score":-0.009792385157197714},{"text":"If I can read it properly.","start":2588.095,"end":2589.635,"sentiment":"neutral","sentiment_score":-0.02665260744591554},{"text":"Yeah.","start":2594.0151,"end":2594.5151,"sentiment":"neutral","sentiment_score":-0.05800054222345352},{"text":"I mean, I can't get into my emails on my computer.","start":2600.23,"end":2603.77,"sentiment":"neutral","sentiment_score":-0.1287038427862254},{"text":"But It's not there now, but it was before there.","start":2603.99,"end":2622.955,"sentiment":"neutral","sentiment_score":-0.08332373350858688}],"sentiment":"neutral","sentiment_score":-0.07831454166444018,"num_words":32,"start":2583.14,"end":2622.955},{"sentences":[{"text":"Maybe.","start":2629.0151,"end":2629.5151,"sentiment":"neutral","sentiment_score":0.016248458996415138},{"text":"So I just sign it and send it back.","start":2643.06,"end":2645.1602,"sentiment":"neutral","sentiment_score":0.052293244335386485},{"text":"Yeah.","start":2649.275,"end":2649.515,"sentiment":"neutral","sentiment_score":0.04499948769807816},{"text":"Because the first one is transaction without advice.","start":2649.515,"end":2652.655,"sentiment":"neutral","sentiment_score":0.01109519915189594},{"text":"Withdraw $20,000 from my Yep.","start":2653.755,"end":2663.01,"sentiment":"neutral","sentiment_score":0.009957987256348133}],"sentiment":"neutral","sentiment_score":0.02793494480041166,"num_words":24,"start":2629.0151,"end":2663.01},{"sentences":[{"text":"Yeah.","start":2663.01,"end":2663.51,"sentiment":"neutral","sentiment_score":-0.002541022375226021},{"text":"January 12, we started, but then we had trouble because it was Frank's signature coming up on it all the time.","start":2663.73,"end":2671.51,"sentiment":"neutral","sentiment_score":-0.20551976614764758},{"text":"So I had to sign a couple of times.","start":2673.295,"end":2675.375,"sentiment":"neutral","sentiment_score":-0.0630246972044309},{"text":"So Mhmm.","start":2675.375,"end":2677.555,"sentiment":"neutral","sentiment_score":0.0020816023461520663},{"text":"Yeah.","start":2708.055,"end":2708.295,"sentiment":"neutral","sentiment_score":0.059593915939331055}],"sentiment":"neutral","sentiment_score":-0.14182121369659023,"num_words":34,"start":2663.01,"end":2708.295},{"sentences":[{"text":"Because I can Yeah.","start":2708.295,"end":2740.01,"sentiment":"neutral","sentiment_score":0.07873445004224777},{"text":"And this one has got the partial account balance for 20 thousand dollars on it.","start":2740.23,"end":2745.85,"sentiment":"neutral","sentiment_score":0.19497277736663818},{"text":"I just didn't wanna sign it again.","start":2746.6301,"end":2748.73,"sentiment":"negative","sentiment_score":-0.5664708656924111},{"text":"Yeah.","start":2813.165,"end":2813.5652,"sentiment":"neutral","sentiment_score":0.029497701674699783},{"text":"Okay.","start":2813.5652,"end":2814.0652,"sentiment":"neutral","sentiment_score":0.06335225701332092}],"sentiment":"neutral","sentiment_score":-0.022604165731796196,"num_words":28,"start":2708.295,"end":2814.0652},{"sentences":[{"text":"I've just found the sign request from me for the annual review to my Gmail account from you.","start":2814.605,"end":2822.72,"sentiment":"neutral","sentiment_score":0.24569935351610184},{"text":"But, yeah, I wasn't sure about this one from from Kendall this morning.","start":2823.02,"end":2827.3599,"sentiment":"neutral","sentiment_score":-0.03984022785264712},{"text":"Yeah.","start":2852.78,"end":2853.02,"sentiment":"neutral","sentiment_score":0.01595856063067913},{"text":"Marty Marty, a different email to Rob's.","start":2853.02,"end":2855.82,"sentiment":"neutral","sentiment_score":0.008625299004571778},{"text":"That's all.","start":2855.82,"end":2856.56,"sentiment":"neutral","sentiment_score":0.026746940799057484}],"sentiment":"neutral","sentiment_score":0.09840231552356626,"num_words":41,"start":2814.605,"end":2856.56},{"sentences":[{"text":"Yep.","start":2886.78,"end":2887.28,"sentiment":"neutral","sentiment_score":0.21429261565208435},{"text":"I think that's about it.","start":2916.325,"end":2917.7651,"sentiment":"neutral","sentiment_score":0.12347536385059357},{"text":"Thanks.","start":2917.7651,"end":2918.2651,"sentiment":"positive","sentiment_score":0.4633055329322815},{"text":"I I did just sign that one that you sent me to my Gmail account, so I hope that went through alright.","start":2919.125,"end":2935.26,"sentiment":"neutral","sentiment_score":0.11839857714420016},{"text":"You're alright.","start":2936.76,"end":2937.4202,"sentiment":"neutral","sentiment_score":0.22059498354792595}],"sentiment":"neutral","sentiment_score":0.1400301171646964,"num_words":31,"start":2886.78,"end":2937.4202},{"sentences":[{"text":"Okay.","start":2939.48,"end":2939.98,"sentiment":"neutral","sentiment_score":0.1954396665096283},{"text":"Yeah.","start":2953.445,"end":2953.945,"sentiment":"neutral","sentiment_score":0.04109478369355202},{"text":"Well, the prices of houses in town are going up.","start":2962.2998,"end":2965.26,"sentiment":"neutral","sentiment_score":-0.08632629588246346},{"text":"Some are selling to $404.50.","start":2965.26,"end":2967.92,"sentiment":"neutral","sentiment_score":-0.0848845511674881},{"text":"I mean, in West, it's not five acres, but we're couple of from, you know, a bit out of town, not far.","start":2968.46,"end":2976.085,"sentiment":"neutral","sentiment_score":-0.08062249769202688}],"sentiment":"neutral","sentiment_score":-0.07243195419701245,"num_words":39,"start":2939.48,"end":2976.085},{"sentences":[{"text":"But Okay.","start":2976.085,"end":2977.385,"sentiment":"neutral","sentiment_score":-0.004254519939422607},{"text":"About four k.","start":2978.085,"end":2979.125,"sentiment":"neutral","sentiment_score":-0.017651588345567387},{"text":"So, yeah, I'm not sure what the value would be worth.","start":2979.125,"end":2982.185,"sentiment":"neutral","sentiment_score":-0.09593927995725111},{"text":"Yep.","start":3010.105,"end":3010.605,"sentiment":"neutral","sentiment_score":0.03747628629207611},{"text":"Well, that's probably average for a house block.","start":3019.19,"end":3023.85,"sentiment":"neutral","sentiment_score":-0.03308048308826983}],"sentiment":"neutral","sentiment_score":-0.05375853851437569,"num_words":25,"start":2976.085,"end":3023.85},{"sentences":[{"text":"So we'll just keep ours at the $5.01.","start":3023.91,"end":3027.61,"sentiment":"neutral","sentiment_score":0.038901889231055975},{"text":"Yeah.","start":3027.67,"end":3027.83,"sentiment":"neutral","sentiment_score":0.07015349715948105},{"text":"Because we're 2.2 hectares.","start":3027.83,"end":3029.77,"sentiment":"neutral","sentiment_score":0.0669212806969881},{"text":"K.","start":3030.15,"end":3030.65,"sentiment":"neutral","sentiment_score":0.06945829093456268},{"text":"And it's freehold too.","start":3035.555,"end":3037.2551,"sentiment":"neutral","sentiment_score":0.2699139825999737}],"sentiment":"neutral","sentiment_score":0.09989821972946326,"num_words":18,"start":3023.91,"end":3037.2551},{"sentences":[{"text":"Yeah.","start":3051.03,"end":3051.53,"sentiment":"neutral","sentiment_score":0.049727149307727814},{"text":"I mean, that's the highest I get.","start":3052.1501,"end":3055.03,"sentiment":"neutral","sentiment_score":0.04878050567848342},{"text":"But if I don't work the whole sixteen hours a week, it's less.","start":3055.03,"end":3059.595,"sentiment":"neutral","sentiment_score":-0.1287087224997007},{"text":"So it all depends how much work they've got for me to do.","start":3060.635,"end":3063.855,"sentiment":"neutral","sentiment_score":-0.017999591162571542},{"text":"Just over 700.","start":3076.85,"end":3078.47,"sentiment":"neutral","sentiment_score":0.007354521192610264}],"sentiment":"neutral","sentiment_score":-0.040377130404718825,"num_words":37,"start":3051.03,"end":3078.47},{"sentences":[{"text":"7 60.","start":3079.49,"end":3080.29,"sentiment":"neutral","sentiment_score":0.0048253461718559265},{"text":"I think $7.50.","start":3080.29,"end":3081.59,"sentiment":"neutral","sentiment_score":0.01463459711521864},{"text":"Yeah.","start":3081.73,"end":3082.23,"sentiment":"neutral","sentiment_score":0.020386138930916783},{"text":"Just over 700 a fortnight.","start":3083.09,"end":3085.11,"sentiment":"neutral","sentiment_score":0.012596416287124157},{"text":"Yeah.","start":3090.735,"end":3090.895,"sentiment":"neutral","sentiment_score":-0.03404749929904938}],"sentiment":"neutral","sentiment_score":0.008572933729737997,"num_words":12,"start":3079.49,"end":3090.895},{"sentences":[{"text":"Something like that.","start":3090.895,"end":3091.875,"sentiment":"neutral","sentiment_score":-0.037795846040050186},{"text":"No.","start":3093.135,"end":3093.455,"sentiment":"neutral","sentiment_score":-0.16443301737308502},{"text":"It's not that high.","start":3093.455,"end":3094.735,"sentiment":"neutral","sentiment_score":-0.19458358362317085},{"text":"Is it?","start":3094.735,"end":3095.475,"sentiment":"neutral","sentiment_score":-0.09432558342814445},{"text":"What is it?","start":3095.8552,"end":3098.3552,"sentiment":"neutral","sentiment_score":-0.05874291310707728}],"sentiment":"neutral","sentiment_score":-0.10931036893564922,"num_words":13,"start":3090.895,"end":3098.3552},{"sentences":[{"text":"It's if I do my school if I do my thirty two hours of if I do thirty two hours of fortnight, he gets about 690 a fortnight.","start":3098.975,"end":3119.9448,"sentiment":"neutral","sentiment_score":-0.021765877392941287},{"text":"How much is it?","start":3124.005,"end":3129.545,"sentiment":"neutral","sentiment_score":0.07157534267753363},{"text":"I think it's $31.31 70, something like that.","start":3130.085,"end":3134.4202,"sentiment":"neutral","sentiment_score":0.00995878444518894},{"text":"Yep.","start":3145.04,"end":3145.54,"sentiment":"positive","sentiment_score":0.5012234449386597},{"text":"Two oh, it sounds a lot of money.","start":3168.47,"end":3170.71,"sentiment":"neutral","sentiment_score":-0.03594729537144303}],"sentiment":"neutral","sentiment_score":-0.0006087314033386659,"num_words":49,"start":3098.975,"end":3170.71},{"sentences":[{"text":"Doesn't it?","start":3170.71,"end":3171.11,"sentiment":"neutral","sentiment_score":-0.029589351266622543},{"text":"But it doesn't go very far.","start":3171.11,"end":3172.81,"sentiment":"neutral","sentiment_score":-0.21974445631106695},{"text":"Okay.","start":3173.895,"end":3174.395,"sentiment":"neutral","sentiment_score":-0.03401917219161987},{"text":"I reckon.","start":3186.615,"end":3187.275,"sentiment":"neutral","sentiment_score":-0.12959930300712585},{"text":"No.","start":3187.335,"end":3187.835,"sentiment":"neutral","sentiment_score":-0.2280655801296234}],"sentiment":"neutral","sentiment_score":-0.1582440665612618,"num_words":12,"start":3170.71,"end":3187.835},{"sentences":[{"text":"And things are more expensive out here, I imagine.","start":3188.055,"end":3191.05,"sentiment":"neutral","sentiment_score":-0.27093354364236194},{"text":"Yep.","start":3201.91,"end":3202.335,"sentiment":"neutral","sentiment_score":0.24774059653282168},{"text":"Yeah.","start":3220.0999,"end":3220.58,"sentiment":"neutral","sentiment_score":0.04768333584070206},{"text":"Okay.","start":3220.58,"end":3221.08,"sentiment":"neutral","sentiment_score":0.07907740771770477},{"text":"Yep.","start":3221.14,"end":3221.64,"sentiment":"neutral","sentiment_score":0.1418454349040985}],"sentiment":"neutral","sentiment_score":-0.14785039367584082,"num_words":13,"start":3188.055,"end":3221.64},{"sentences":[{"text":"To me.","start":3240.055,"end":3240.795,"sentiment":"neutral","sentiment_score":-0.011971066240221262},{"text":"Oh, I got no idea what they were.","start":3243.51,"end":3245.9302,"sentiment":"neutral","sentiment_score":-0.06807060865685344},{"text":"They're a good dollar.","start":3247.75,"end":3248.81,"sentiment":"neutral","sentiment_score":0.10020784474909306},{"text":"Yeah.","start":3253.51,"end":3254.01,"sentiment":"neutral","sentiment_score":0.018300656229257584},{"text":"Yeah.","start":3255.565,"end":3256.065,"sentiment":"neutral","sentiment_score":0.016575142741203308}],"sentiment":"neutral","sentiment_score":-0.008299988985527307,"num_words":16,"start":3240.055,"end":3256.065},{"sentences":[{"text":"I mean, it'd probably be a $15.24.","start":3256.2852,"end":3258.685,"sentiment":"neutral","sentiment_score":0.013340343588164874},{"text":"15 maybe?","start":3258.685,"end":3259.905,"sentiment":"neutral","sentiment_score":0.010702990926802158},{"text":"No.","start":3271.46,"end":3271.78,"sentiment":"neutral","sentiment_score":-0.19588422775268555},{"text":"Not now.","start":3271.78,"end":3272.52,"sentiment":"neutral","sentiment_score":-0.15140870958566666},{"text":"I'm just looking at some others.","start":3274.02,"end":3275.72,"sentiment":"neutral","sentiment_score":-0.03031418922667702}],"sentiment":"neutral","sentiment_score":-0.03143324418407348,"num_words":18,"start":3256.2852,"end":3275.72},{"sentences":[{"text":"I've seen some others on Facebook and that, but it's for sale.","start":3275.78,"end":3279.78,"sentiment":"neutral","sentiment_score":0.005888355692150071},{"text":"They're at the same age as mine, and they're about 3 or $4.","start":3279.78,"end":3282.92,"sentiment":"neutral","sentiment_score":0.009442391876990978},{"text":"I'll be lucky to get 5 for it.","start":3285.9749,"end":3287.575,"sentiment":"positive","sentiment_score":0.634645514190197},{"text":"I think.","start":3287.575,"end":3288.155,"sentiment":"positive","sentiment_score":0.4556833654642105},{"text":"No.","start":3310.4348,"end":3310.9348,"sentiment":"neutral","sentiment_score":-0.09186731278896332}],"sentiment":"neutral","sentiment_score":0.16916874706576993,"num_words":36,"start":3275.78,"end":3310.9348},{"sentences":[{"text":"Sorry.","start":3310.9949,"end":3311.2349,"sentiment":"neutral","sentiment_score":-0.09911085665225984},{"text":"I've got no idea.","start":3311.2349,"end":3312.4548,"sentiment":"neutral","sentiment_score":-0.18936355412006378},{"text":"No.","start":3328.62,"end":3329.12,"sentiment":"neutral","sentiment_score":-0.022815201431512833},{"text":"Would it be on Centrelink my Centrelink?","start":3330.78,"end":3333.2,"sentiment":"neutral","sentiment_score":-0.0090215764939785},{"text":"Yeah.","start":3347.475,"end":3347.875,"sentiment":"neutral","sentiment_score":0.05730840563774109}],"sentiment":"neutral","sentiment_score":-0.06323020745600973,"num_words":14,"start":3310.9949,"end":3347.875},{"sentences":[{"text":"I do.","start":3347.875,"end":3348.355,"sentiment":"neutral","sentiment_score":0.07496200501918793},{"text":"Frank's my guy.","start":3348.355,"end":3349.2349,"sentiment":"neutral","sentiment_score":0.06069382776816686},{"text":"Yep.","start":3349.2349,"end":3349.7349,"sentiment":"neutral","sentiment_score":0.12313304841518402},{"text":"Yep.","start":3366.1301,"end":3366.585,"sentiment":"neutral","sentiment_score":0.02287628874182701},{"text":"Yep.","start":3376.9849,"end":3377.4849,"sentiment":"neutral","sentiment_score":0.001696967869065702}],"sentiment":"neutral","sentiment_score":0.059963974796119146,"num_words":8,"start":3347.875,"end":3377.4849},{"sentences":[{"text":"Probably an email.","start":3383.3,"end":3384.5,"sentiment":"neutral","sentiment_score":0.008116029823819797},{"text":"Thanks.","start":3384.5,"end":3384.9,"sentiment":"neutral","sentiment_score":0.1185724139213562},{"text":"Because I'm on Frank's phone.","start":3384.9,"end":3386.34,"sentiment":"neutral","sentiment_score":-0.0028486065566539764},{"text":"Because I'm on Frank's phone, and I would have to get on to me to get one Frank's phone.","start":3386.34,"end":3390.92,"sentiment":"neutral","sentiment_score":-0.12879405758882823},{"text":"Yeah.","start":3411.97,"end":3412.47,"sentiment":"neutral","sentiment_score":0.05703720077872276}],"sentiment":"neutral","sentiment_score":-0.07797835940687821,"num_words":29,"start":3383.3,"end":3412.47},{"sentences":[{"text":"Okay.","start":3412.69,"end":3413.19,"sentiment":"neutral","sentiment_score":0.08764693140983582},{"text":"No.","start":3427.705,"end":3427.945,"sentiment":"neutral","sentiment_score":-0.10159263014793396},{"text":"I just Okay.","start":3427.945,"end":3429.465,"sentiment":"neutral","sentiment_score":-0.02812902381022771},{"text":"The same.","start":3429.465,"end":3430.185,"sentiment":"neutral","sentiment_score":0.14239080622792244},{"text":"Thanks.","start":3430.185,"end":3430.685,"sentiment":"positive","sentiment_score":0.3778659701347351}],"sentiment":"neutral","sentiment_score":0.07053935155272484,"num_words":8,"start":3412.69,"end":3430.685},{"sentences":[{"text":"Yeah.","start":3454.485,"end":3454.885,"sentiment":"neutral","sentiment_score":0.0040930453687906265},{"text":"Well, there's not much left.","start":3454.885,"end":3456.24,"sentiment":"neutral","sentiment_score":-0.12326710671186447},{"text":"I have opened a funeral account.","start":3456.56,"end":3461.46,"sentiment":"neutral","sentiment_score":-0.07834170572459698},{"text":"Well, I did that a while ago, and I try and put $20 a fortnight or $20 a month in it, but it's in an account that gets if I don't touch it.","start":3462.8,"end":3473.665,"sentiment":"neutral","sentiment_score":-0.05443968674675985},{"text":"And if I put in, it gets the higher interest.","start":3473.665,"end":3476.4849,"sentiment":"neutral","sentiment_score":-0.06778842695057392}],"sentiment":"neutral","sentiment_score":-0.06466703008521688,"num_words":55,"start":3454.485,"end":3476.4849},{"sentences":[{"text":"It gets, like, a second lot of interest.","start":3476.785,"end":3479.045,"sentiment":"neutral","sentiment_score":-0.008801816031336784},{"text":"But I don't claim that on Centrelink because it's a funeral account.","start":3479.585,"end":3483.505,"sentiment":"neutral","sentiment_score":-0.05040717606122295},{"text":"So Yeah.","start":3483.505,"end":3496.3098,"sentiment":"neutral","sentiment_score":0.005196206271648407},{"text":"Just off.","start":3518.31,"end":3519.13,"sentiment":"neutral","sentiment_score":-0.0436893068253994},{"text":"Florida.","start":3577.05,"end":3577.55,"sentiment":"neutral","sentiment_score":-0.0514894425868988}],"sentiment":"neutral","sentiment_score":-0.03215105138719082,"num_words":25,"start":3476.785,"end":3577.55},{"sentences":[{"text":"Yeah.","start":3586.915,"end":3587.395,"sentiment":"neutral","sentiment_score":0.1271389275789261},{"text":"I can think about it.","start":3587.395,"end":3588.9949,"sentiment":"neutral","sentiment_score":0.11970619112253189},{"text":"It's probably you reckon that's a better way to go.","start":3588.9949,"end":3592.375,"sentiment":"neutral","sentiment_score":0.08415553644299507},{"text":"Yes.","start":3654.7898,"end":3655.2898,"sentiment":"positive","sentiment_score":0.586132287979126},{"text":"Yeah.","start":3703.645,"end":3704.145,"sentiment":"neutral","sentiment_score":0.25179851055145264}],"sentiment":"neutral","sentiment_score":0.13361978034178415,"num_words":18,"start":3586.915,"end":3704.145},{"sentences":[{"text":"We'll just talk about it, I think.","start":3705.2449,"end":3707.085,"sentiment":"neutral","sentiment_score":0.2591652295419148},{"text":"Thanks.","start":3707.085,"end":3707.585,"sentiment":"positive","sentiment_score":0.5105862617492676},{"text":"Just think it's, I mean, we only we don't wanna touch it, but I think it's a bit of if it's there, it's a bit of peace of mind if you need it, isn't it?","start":3708.125,"end":3720.19,"sentiment":"positive","sentiment_score":0.47796533959252496},{"text":"Yes.","start":3737.225,"end":3737.725,"sentiment":"neutral","sentiment_score":0.008301403373479843},{"text":"Yeah.","start":3757.985,"end":3758.485,"sentiment":"neutral","sentiment_score":0.022782161831855777}],"sentiment":"positive","sentiment_score":0.4241025182108084,"num_words":45,"start":3705.2449,"end":3758.485},{"sentences":[{"text":"Okay.","start":3758.625,"end":3759.125,"sentiment":"neutral","sentiment_score":0.018831992521882057},{"text":"Nearly 11.","start":3768.89,"end":3769.8699,"sentiment":"neutral","sentiment_score":0.025036977604031563},{"text":"Yeah.","start":3781.555,"end":3781.795,"sentiment":"neutral","sentiment_score":0.03602239862084389},{"text":"Some sometimes it's only $20 a month, but then last month, I got 40 something dollars interest on it.","start":3781.795,"end":3788.9148,"sentiment":"neutral","sentiment_score":0.05927021027003464},{"text":"So Yep.","start":3788.9148,"end":3807.3298,"sentiment":"neutral","sentiment_score":0.16322233527898788}],"sentiment":"neutral","sentiment_score":0.06230028048157692,"num_words":25,"start":3758.625,"end":3807.3298},{"sentences":[{"text":"Okay.","start":3807.3298,"end":3807.73,"sentiment":"neutral","sentiment_score":0.17376504838466644},{"text":"Thanks.","start":3807.73,"end":3808.185,"sentiment":"positive","sentiment_score":0.4307336211204529},{"text":"They're all under this, the limit.","start":3818.5051,"end":3820.365,"sentiment":"neutral","sentiment_score":-0.02403827818731467},{"text":"I mean, I think we've got 3,000 in the savings and 1,000 something in a bill paying account.","start":3820.5051,"end":3828.18,"sentiment":"neutral","sentiment_score":0.04391569551080465},{"text":"So, yeah, not a great deal.","start":3828.18,"end":3830.8398,"sentiment":"neutral","sentiment_score":-0.1208930891007185}],"sentiment":"neutral","sentiment_score":0.016418530780356377,"num_words":32,"start":3807.3298,"end":3830.8398},{"sentences":[{"text":"Yeah.","start":3852.3,"end":3852.78,"sentiment":"neutral","sentiment_score":0.04803726077079773},{"text":"Just close to one if it if one passes away and then both kids get it, and they're both executor and power of attorney.","start":3852.78,"end":3863.375,"sentiment":"neutral","sentiment_score":0.06823973512897889},{"text":"So Yeah.","start":3863.4348,"end":3884.82,"sentiment":"neutral","sentiment_score":0.10248522460460663},{"text":"Thanks.","start":3884.82,"end":3885.32,"sentiment":"neutral","sentiment_score":0.3055580258369446},{"text":"Yeah.","start":3887.205,"end":3887.365,"sentiment":"neutral","sentiment_score":0.10010701417922974}],"sentiment":"neutral","sentiment_score":0.07918711700316133,"num_words":29,"start":3852.3,"end":3887.365},{"sentences":[{"text":"We're not planning to split up.","start":3887.365,"end":3889.0652,"sentiment":"neutral","sentiment_score":-0.08474611987670262},{"text":"The pension one, you gotta draw so much out every so often, don't you?","start":3921.645,"end":3926.865,"sentiment":"neutral","sentiment_score":-0.019970053008624485},{"text":"Yes.","start":3961.39,"end":3961.89,"sentiment":"neutral","sentiment_score":0.18124136328697205},{"text":"Yeah.","start":4025.83,"end":4026.1501,"sentiment":"neutral","sentiment_score":0.2652950882911682},{"text":"Thanks.","start":4026.1501,"end":4026.6501,"sentiment":"positive","sentiment_score":0.47662773728370667}],"sentiment":"neutral","sentiment_score":0.005874205542647321,"num_words":23,"start":3887.365,"end":4026.6501},{"sentences":[{"text":"So does that mean Frank should probably be in the pension phase now?","start":4026.87,"end":4031.2102,"sentiment":"neutral","sentiment_score":0.14694323677283067},{"text":"Yes.","start":4050.61,"end":4051.11,"sentiment":"neutral","sentiment_score":0.07873044162988663},{"text":"Yep.","start":4076.395,"end":4076.895,"sentiment":"neutral","sentiment_score":0.0235067754983902},{"text":"He doesn't know.","start":4093.455,"end":4098.6553,"sentiment":"neutral","sentiment_score":-0.03567191089193026},{"text":"He doesn't do any of this stuff.","start":4098.6553,"end":4100.355,"sentiment":"neutral","sentiment_score":-0.11688284469502312}],"sentiment":"neutral","sentiment_score":0.04349214598536491,"num_words":25,"start":4026.87,"end":4100.355},{"sentences":[{"text":"I suppose it's better off him staying where he is because don't wanna get it too much lower than that before we have to start pulling anything out.","start":4101.935,"end":4111.83,"sentiment":"neutral","sentiment_score":-0.07760451760675226},{"text":"Yes.","start":4220.61,"end":4221.01,"sentiment":"neutral","sentiment_score":0.33082669973373413},{"text":"It sure does.","start":4221.01,"end":4222.15,"sentiment":"positive","sentiment_score":0.3793163001537323},{"text":"Yes.","start":4241.975,"end":4242.455,"sentiment":"neutral","sentiment_score":0.14566820859909058},{"text":"Just stay on that.","start":4242.455,"end":4243.415,"sentiment":"neutral","sentiment_score":0.17763030529022217}],"sentiment":"neutral","sentiment_score":0.004109149647725596,"num_words":37,"start":4101.935,"end":4243.415},{"sentences":[{"text":"Alright.","start":4243.415,"end":4243.915,"sentiment":"neutral","sentiment_score":0.22271963953971863},{"text":"You do the best.","start":4244.25,"end":4245.39,"sentiment":"neutral","sentiment_score":0.18703918159008026},{"text":"Yeah.","start":4250.65,"end":4250.97,"sentiment":"neutral","sentiment_score":0.20670226216316223},{"text":"That sounds good to me.","start":4250.97,"end":4252.25,"sentiment":"neutral","sentiment_score":0.27747207283973696},{"text":"Yep.","start":4252.25,"end":4252.75,"sentiment":"positive","sentiment_score":0.3835607171058655}],"sentiment":"neutral","sentiment_score":0.24570830911397934,"num_words":12,"start":4243.415,"end":4252.75},{"sentences":[{"text":"No.","start":4263.745,"end":4264.225,"sentiment":"neutral","sentiment_score":0.016354788094758987},{"text":"Thanks.","start":4264.225,"end":4264.725,"sentiment":"neutral","sentiment_score":-0.04173355549573898},{"text":"That sounds good.","start":4309.3447,"end":4310.545,"sentiment":"positive","sentiment_score":0.46169962485631305},{"text":"Thanks.","start":4310.545,"end":4310.945,"sentiment":"positive","sentiment_score":0.5518583655357361},{"text":"Sounds really good.","start":4310.945,"end":4311.8447,"sentiment":"positive","sentiment_score":0.6066214144229889}],"sentiment":"positive","sentiment_score":0.41460474621918464,"num_words":9,"start":4263.745,"end":4311.8447},{"sentences":[{"text":"Yeah.","start":4345.605,"end":4346.105,"sentiment":"neutral","sentiment_score":0.07680431753396988},{"text":"Will do.","start":4346.165,"end":4346.985,"sentiment":"neutral","sentiment_score":0.1504492089152336},{"text":"Yeah.","start":4353.6,"end":4353.8403,"sentiment":"neutral","sentiment_score":0.12239369750022888},{"text":"That's what I've been doing.","start":4353.8403,"end":4355.14,"sentiment":"neutral","sentiment_score":0.16026026010513306},{"text":"I know.","start":4357.84,"end":4361.54,"sentiment":"neutral","sentiment_score":0.18420058488845825}],"sentiment":"neutral","sentiment_score":0.1517999002879316,"num_words":11,"start":4345.605,"end":4361.54},{"sentences":[{"text":"I I got another couple of weeks here, don't I?","start":4362.64,"end":4364.745,"sentiment":"neutral","sentiment_score":0.027285851165652276},{"text":"Yeah.","start":4391.34,"end":4391.84,"sentiment":"neutral","sentiment_score":0.08765150606632233},{"text":"Thanks for your help today.","start":4401.7646,"end":4403.2847,"sentiment":"positive","sentiment_score":0.7127183675765991},{"text":"Yeah.","start":4403.2847,"end":4403.6846,"sentiment":"positive","sentiment_score":0.38269490003585815},{"text":"Okay.","start":4403.6846,"end":4404.1846,"sentiment":"neutral","sentiment_score":0.28610897064208984}],"sentiment":"neutral","sentiment_score":0.25516142923798824,"num_words":18,"start":4362.64,"end":4404.1846},{"sentences":[{"text":"Okay.","start":4410.4873,"end":4410.9873,"sentiment":"neutral","sentiment_score":0.3230612277984619},{"text":"Okay.","start":4411.047,"end":4411.527,"sentiment":"neutral","sentiment_score":0.3166528344154358},{"text":"Thanks.","start":4411.527,"end":4412.027,"sentiment":"positive","sentiment_score":0.6743742227554321}],"sentiment":"positive","sentiment_score":0.4380294283231099,"num_words":3,"start":4410.4873,"end":4412.027}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Frank. Robin, can you hear me better now?\n\nChannel 1: Hello?\n\nChannel 0: Hi, Frank. It's Dana from Oakview. Can you hear me better?\n\nChannel 1: Yeah. I can hear you better. Yep. It's\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Fantastic. Much clearer.\n\nChannel 1: Yeah. A bit louder too.\n\nChannel 0: Oh, good. Good. Good. Well, I won't yell into the phone too much. Just tell me to to slow down.\n\nGet a bit quieter for you. All good. Just before we jump into the call again, I just need to do a quick security check there with you. I have emailed some documents to you, but we can kinda go through those shortly. Can I get you both just to confirm your date of birth for me and the address of where you should be the address I should have on file?\n\nChannel 1: 09/17 to 11/1960.\n\nChannel 0: Yep.\n\nChannel 1: 361 Quarterwood Creek Road, Scottsdale, Queensland 4804.\n\nChannel 0: Beautiful. Thank you so much for that. And, Frank, I'll describe your date of birth there for\n\nChannel 1: Twenty seventh of the second, fifty seven.\n\nChannel 0: me. Legend. Thank you so much for that. So just to give you guys a bit of an update on your super now I have sent you the annual review documents to you. They have been sent through from a different system for what we used to use.\n\nWe used to use DocuSign, which you could kinda open and review the documents. With\n\nChannel 1: Yes.\n\nChannel 0: OdooSign, you can do the exact same thing. It's just they added as attachments on the front of the email. So I have been finding some people struggle a little bit with opening up the attachments. So if you like, what I can do is I can give you both a bit of a run through on your super balanced performance, and then you're welcome to review those documents a bit later. Does that sound okay at all?\n\nChannel 1: Yeah. That's good. Thanks.\n\nChannel 0: Yeah. That's okay. Don't wanna make it too difficult. You guys probably had a big week as well.\n\nChannel 1: Yes.\n\nChannel 0: All good. So, Robin, I'll give you a bit of an update first. Now having a look at things, you did do a bit of a withdrawal earlier this year. Having a look at things that your balance last year when we sort of caught up to do your annual review, which was late last year there, the balance was about a 150,020. You did do a bit of a withdrawal earlier this year as well, so that does affect the balance.\n\nBut your balance at the moment is about $135,008.66, and your performance has not done too bad. So whilst the super, well, while the markets as a whole have been a bit volatile going up and down a lot with what's been happening between The US and the Iran, with that war out there, you've actually come out with a positive 6.26% return at the end of the year, which is great. And that's, yeah, giving you total earnings in your portfolio of about $10,992. So you have made some money in your portfolios after the year, which is good to see.\n\nChannel 1: Yeah. So what\n\nChannel 0: Yeah.\n\nChannel 1: did it say if the balance now was 135,000?\n\nChannel 0: 135,000. Yep. Sorry. I've got it here. My apologies.\n\nMy computer just had a little bit of a moment. 135,866 and 81¢.\n\nChannel 1: Alright. Okay. Yep. Thanks.\n\nChannel 0: Yeah. Beautiful. So it is really good to see. Now I have also had a bit of a look at your portfolio underlying. I know last year when we spoke, we were looking at maybe making some alterations to, you know, see where we were tracking.\n\nI also wanted to sort of touch base today to have a bit of a chat about making some changes to both of your portfolios as well because I have, after doing some research, noted some of the investments are underperforming a little bit. So we wanna make sure that whilst you're not taking too much risk in the market, that, you know, your super is performing at its best as well. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Frank, to give you a bit of an update there, when we sort of caught up last year, your balance then was $89,841.09.\n\nChannel 1: Yeah.\n\nChannel 0: Speaking now, your balance is 89,370 and 82¢. So it has just gone down a little bit there, and that is because of the ups and downs the market is seeing. It's mostly just with the market ups and downs. But when we sort of look at performance wise, you still have had a positive return inside your portfolio. So you still come out with a positive 2% return net of fees, and it does mean your portfolio has made about $3,951 there.\n\nIt's just that those market fluctuations have affected that return. And at the moment, the balance is down slightly because of the ongoing the ongoing ups and downs the market is seeing. But, realistically, I mean, if I look back to this time last year, your balance then was 86,000. So it is still steadily increasing. It's just from when we spoke in August to now, there's a slight drop in in your balance.\n\nThat's all. And it's only of\n\nChannel 1: Yep.\n\nChannel 0: a couple of $100 there. So I do expect to come back and recover a little bit moving forward. Okay. All good. The other thing I sort of wanted to talk to you both about, as I kinda mentioned before, I've looked at both of your super funds.\n\nYou both do have and have been recommended in the past the Banda Long Australian Equities investment. When you are looking at the internal rate of return report, that's probably one of the investments that is underperforming in both of your supers at the moment. Now when we kind of did when you did get the last advice document a couple of years back, and this was recommended in there, the main objective to having this investment in your super is that the investment manager within that spend along Australian Equities Fund, they are essentially trying to pick the market, time the market, and buy and sell investments that, you know, basically time when they can get into the market and buy investments that are low that they see additional growth for. And this investment manager is supposed to be trying to trade against the market and and try to make sure that the fund is outperforming the market to try to get a much greater return. When I sort of had a look at how they're performing and what's been going on, over the last year, Banda Long has not been able to do that, and I don't know if you sort of had a look at that investment over the past few years.\n\nBut from COVID onwards, they have had a bit of up and downs. They've had some years which have been really great and other years which have struggled heavily. With the most recent struggles they've had, I've had a bit of a look, and I don't believe they're a good investment any longer. I wanted to sort of maybe look at taking that out there for you, replacing it with something else. I've actually been having a look, and I wanted to get both of your thoughts on this.\n\nSo because that investment is more of an actively managed investment in your fund, they normally hold between 15 to 25 different investments. If you wanted to, I have a couple of options which might actually be a bit cheaper in investment fees. Does give you greater diversification. Instead of having, you know, 15 or 20 investors in the fund, have about 200. So it gives you greater diversification and might be a bit cheaper in administration fees and investment fees.\n\nWould you like me to look at a cheaper investment for you, or do you have any questions about that?\n\nChannel 1: We don't know too much about it. So what\n\nChannel 0: Yeah.\n\nChannel 1: we'll just whatever you\n\nChannel 0: Yeah.\n\nChannel 1: really think.\n\nChannel 0: Yep. Did you want me to sort of try and lower the cost of maybe investment fees for you so that you're not paying as much in investment fees for investment?\n\nChannel 1: As long as you think the investments are good.\n\nChannel 0: Yeah. Okay. Beautiful. I've had a bit of a look. There's a few different options that work really well.\n\nOne of the things that I have sort of been finding that a lot of my older clients are looking to do is, a, to save a little bit of money and fees, which is important, but also have investments that have been working a little bit more. But also with what's been happening in the markets globally at the moment, maybe creating greater diversification and trying to lower risk a little bit more. Is that something you're wanting me to sort of look at and focus on?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Yep. Absolutely. This level is beautiful. I have a couple of options for investments to replace Bannalong.\n\nI just wanted to sort of note that this has been underperforming a little bit, so we it's time to remove that for you and see if we can update both of your portfolios. You both do have quite different portfolios there. And I just wanted to sort of gauge where we're at. Now we did a risk profile when we spoke in August last year. And having a look at things, the current risk profiles, frankly, you're more in an older defensive portfolio.\n\nSo that's essentially\n\nChannel 1: Yeah.\n\nChannel 0: meant to be a little bit more lower risk, more income producing. We do expect lower returns from these portfolios, but it's more about giving your super longevity, holding on to your capital as long as possible. Do you when we kinda did that risk profile for you both, you both came out as more of a balanced investor. So that essentially sees about 60% of your super invested in areas of growth, like international shares, Australian shares, gold and silver, and also, you know, property, and then the other sort of 40% in lower risk defensive investments like cash, bonds, and fixed interest. This investment normally suits someone who has about three years before wanting to access their super whilst, Frank, I know you're already retired.\n\nRobin, do you feel like you're wanting to sort of stop working in the next couple of years, or what's your aim for? How how much longer you wanna work?\n\nChannel 1: I only work two days a week, and I'd love to give it up. But until I can get a pension, there's not much I can do about it.\n\nChannel 0: Okay. No. That's alright. So\n\nChannel 1: But\n\nChannel 0: you're\n\nChannel 1: that's\n\nChannel 0: happy to continue that for a bit longer.\n\nChannel 1: so that's about fifteen months, and then I'll\n\nChannel 0: Yeah. Yeah. Because you've only just turned 65.\n\nChannel 1: Yeah. Close to 66.\n\nChannel 0: Yeah. No. Excellent. So looking at when you're able to access age pension and then kind of give up work completely and retire, not a problem at all. And, Frank, you're getting the age pension at the moment.\n\nYou're still reporting every fortnight based on Robin's income. Is that right?\n\nChannel 1: Yeah. And yeah. Well, I'm doing it, and they take money off him because I earn money. So\n\nChannel 0: Yeah. Yeah. That's okay. You're not wanting to sort of drop hours to maximize the age pension. You're sort of happy with the way it's working at the moment?\n\nChannel 1: Well, I've worked it out. I mean, we can sorta the way it is, I'm still better off than not working. So\n\nChannel 0: Okay. Yep. That's okay. And Frank, do you wanna start do you need to start maybe accessing a little bit of money out of your super, or are you wanting to hold off on that for a bit longer?\n\nChannel 1: Hold off if we can and just\n\nChannel 0: Yep.\n\nChannel 1: get some out if we need it would be\n\nChannel 0: Yeah.\n\nChannel 1: the best way to go at the moment.\n\nChannel 0: Yeah. That's okay. Not a problem. I just access whenever you do need. Do you think you might need a little, a withdrawal in the next couple of months at all that I might be able to factor into the advice for you?\n\nChannel 1: I don't think so. Not at the moment. Not unless\n\nChannel 0: No.\n\nChannel 1: I go away on holidays and leave him at home. Sounds good.\n\nChannel 0: It does. It does. I don't know, Frank. Do you wanna go on holidays?\n\nChannel 1: Well, we had a just had a big one.\n\nChannel 0: You did. You did. And that was I remember that's the reason you took the funds out for that last withdrawal. And how was that?\n\nChannel 1: Great. Not long enough. Four\n\nChannel 0: Yeah.\n\nChannel 1: and a half\n\nChannel 0: They go\n\nChannel 1: weeks, but,\n\nChannel 0: fast.\n\nChannel 1: yeah,\n\nChannel 0: Yeah.\n\nChannel 1: wish it was longer.\n\nChannel 0: Yeah. No.\n\nChannel 1: But, anyway.\n\nChannel 0: Not a problem. Not a problem at all. So, essentially, with this advice piece, I'll just sort of look at maybe restructuring the investments, look at the cost, any tax consequences your super needs to factor in, keeping you both in the super, you know, accumulation kind of area at the moment, not withdrawing any additional funds currently. And just sort of looking at longevity wise, what this might mean. Did you want me to sort of look at it in the next fifteen months and maybe factor in, you know, the expected age pension entitlement for you both, Robin, when you do get to that age to see what that might look like?\n\nChannel 1: Yeah. If if you can. Thanks.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Not\n\nChannel 1: And,\n\nChannel 0: a\n\nChannel 1: I mean,\n\nChannel 0: problem.\n\nChannel 1: if our super can be, yeah, not as, I mean, it's not very risky at the moment, but a little bit less risky as well,\n\nChannel 0: Okay.\n\nChannel 1: maybe.\n\nChannel 0: No. That's yeah. No. That's okay. So having a look at I mean, when we sort of looked at that last time and we in August, we looked at the balanced portfolio, which sorta has that sixty forty split.\n\nDo you want to maybe have more defensive investments rather than that 60% growth, or would you rather see a little bit more growth? What's\n\nChannel 1: Be good to have both.\n\nChannel 0: yep. I could I could try to make it so we see about a fifty fifty split if you want. I can look to create a portfolio that sees 50% in those low risk defensive investments like cash, bonds, and fixed interest, which is where we get income from. They do get a lower rate of return, but they're there for security and income producing. They pay out, you know, regular dividends and income, which gets reinvested back into your super.\n\nAnd then I could look to maybe keep 50% in that growth area with those Australian and international equities and gold and silver and things like that. Did you want me to kind of restructure it to give you more of a balanced approach fifty fifty?\n\nChannel 1: Yeah. Thanks. I don't really understand a lot of it, but, yeah,\n\nChannel 0: Yep.\n\nChannel 1: that might be\n\nChannel 0: Yep.\n\nChannel 1: less\n\nChannel 0: I mean,\n\nChannel 1: risky.\n\nChannel 0: looking yeah. I mean, looking at where you guys are at the moment, I'm just sort of seeing if I can find out what your last one was. Because I know Rob and yours is more of an older kind of defensive portfolio. And from what I can see here, Frank, you're in more of a balanced growth environment from where we were. So that's kind of that seventy thirty, split 70% in those, you know, riskier investments and 30% in those low risk investors.\n\nSo bringing things down for yourself would absolutely be preferable. I'm just sorry. Gonna go into the file and have a quick look at your last advice document to sort of see what we were looking at for yourself, Robin, to see how this was put together. Sorry. Won't be a second.\n\nGotta love computers when they wanna work. It's loading and thinking about it.\n\nChannel 1: Nope. Technology is good.\n\nChannel 0: Oh, isn't it great? Yeah. That's exactly right. Okay. So okay.\n\nSo with this sort of defensive portfolio that we have here for you there, Robin, the way it was sort of put together from what I can see here and I'll go back, obviously, and have a really good review of things again as I go back through and redo the research for you there. But when we look at those higher risk kind of growth investments like Australian shares, international shares, a bit of property, and also some sort of, you know, gold and silver there, the way this was sort of structured was that you would see about 43.6%. So about 40 odd percent in those sorts of investments, and then the more defensive investments and lower risk, you are roughly about the same. So you're kind of in that fifty fifty split there. The idea is it's about getting some good growth and making your super work a bit harder in some areas, but then also trying to get, you know, lower risk and keep your super keep your capital there without seeing big market fluctuations, so big ups and downs.\n\nChannel 1: Yeah.\n\nChannel 0: Did you want me to sort of keep it that fifty fifty split, making sure that you're not, you know, taking on too much risk? I can on yeah. Yeah. It looks like you've kind of meant to have that sort of fifty fifty split in here anyway. Sort of 48 between 43, 45, then 48.\n\nIt looks like you are meant to sort of have that fifty fifty split in these older portfolios with them being in that kind of defensive environment. With the ups and downs, the market is seeing probably a really good way to look at how you think about risk and how you should be invested is if you think about risk as a number between one and five. If you say five is most aggressive portfolio, a 100% invested in those high risk investments like shares, and one is being all fully in cash and not getting much of a return. Where do you think each of you might fit in between that? Do you think it'd be more on the one, two, three, or right up near five?\n\nWhere do you think you'd feel?\n\nChannel 1: Probably about the middle. Three.\n\nChannel 0: The about a three? Yep. Okay. How about yourself there, Frank? Where do you think you might fit?\n\nChannel 1: Yeah. That's the three. Right?\n\nChannel 0: About a three? Yep. Beautiful. And, Frank, do you think you'll be wanting to start trying to maybe access some of your super before Robin does turn 67, or do you think you're gonna try and hold off a bit longer and see, you know, what the both of you being on age pension looks like?\n\nChannel 1: Yeah. It's trying out a little bit longer.\n\nChannel 0: Try and hold off a bit longer, sort of maybe living on the age pension fully and then just drawing down income as you need it. Is that sort of how you see your super? Is that right?\n\nChannel 1: I think so. Yeah.\n\nChannel 0: Yeah. Yep. That's okay.\n\nChannel 1: As long as the age sleep is gonna be enough. The way it's gonna be, it's not. But anyway\n\nChannel 0: Yeah. Yeah. When you do go on to age pension there, Robin, how much do you both need realistically to live on on, say, a weekly or fortnightly basis to for living expenses? How much do you both need to earn together?\n\nChannel 1: Now we probably live on about $2 a fortnight.\n\nChannel 0: Okay. Yep.\n\nChannel 1: I\n\nChannel 0: Okay.\n\nChannel 1: don't think the aid pension quite covers that.\n\nChannel 0: Not quite. No. Do you think you'll need to when you do retire fully need to still earn $2,000 on a fortnightly basis together? Or\n\nChannel 1: I'm not sure.\n\nChannel 0: not sure? Did you want me to factor that in as the income that you do need to survive on?\n\nChannel 1: Yeah. Thanks. Sometimes it's\n\nChannel 0: Yeah.\n\nChannel 1: hard because by the time you pay rates and, you know, I put away $800 a fortnight for rates,\n\nChannel 0: Yeah.\n\nChannel 1: insurances, and regos, and health fund, and yeah.\n\nChannel 0: Yeah. Do you think you might need a little bit more on a fortnightly basis to sort of help cover those things, or are you fairly comfortable that you should be right on $2,000 a fortnight to say a thousand dollars a week?\n\nChannel 1: I'm not sure.\n\nChannel 0: Not sure? That's okay. Because if you like, what I could do with this advice piece for you, we'll look at, you know, you making sure we retain your supers, but maybe look at the investments within that to make sure that you're in a certain risk profile that's comfortable for you, that the returns, you know, are working. But then I can also factor in based on the current because, obviously, age pension does increase in Ulta and is indexed every year twice a year. So we are working on the current scenario, but I could then obviously project out to when you're 67, look at how much you might be entitled to age pension together.\n\nIt should basically be on full age pension given your current assets there. But then look at what you might need to draw down to supplement that from super and how long that might last you. Did you want me to factor that into the advice and maybe do it a little bit bigger for you both?\n\nChannel 1: Yeah. That'd be good. Thanks.\n\nChannel 0: Yeah. That's okay. Just give you a bit of an idea of where things are tracking, what it might look like. And then as we get closer and closer to that point, we can always update the advice. And if we, you know, if age pension increases a little bit more, it means you could draw a little bit less out of super to sort of survive.\n\nAnd that can give you a little bit more longevity as well. Does that make sense? Does that sound okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Lovely. Now another really good question to kinda go through when we are looking at the portfolios, one of the biggest ones I do like to think about and ask is if you saw the market fall. So you've obviously heard on the news what's been happening with the markets over the past, you know, couple of months there with The US and the Iran war and everything else.\n\nIf you saw your super balances fall by 20% because of, say, big market changes. How do you think that is making you feel? Are you feeling optimistic about the investment opportunity? Are you feeling cautious, concerned, or extremely anxious?\n\nChannel 1: Concerned, but I don't really listen to the news. It's always bad. So\n\nChannel 0: Never have anything good to say.\n\nChannel 1: Not really. I'm talking, aren't I?\n\nChannel 0: Oh, no. Look. In all honesty, I don't listen to the news a great deal either. I read what comes out, but I don't just watch the news every night at 06:00 because it is just awful. It's horrible.\n\nIt's not fun to you know, nothing ever good happens.\n\nChannel 1: No.\n\nChannel 0: But I kinda just read the news that comes out from, you know, the economists and the areas that we look at at work. So I can keep up to date in other ways. Alright. All good. So, realistically, do you think you'd be more towards that sort of anxious concern sort of area?\n\nAm I right on the right track there?\n\nChannel 1: Yeah. Probably. Because, yeah, we can't afford for our super to get too much lower.\n\nChannel 0: No. No. Of course.\n\nChannel 1: Well, I\n\nChannel 0: Definitely.\n\nChannel 1: mean, without us spending it. So Okay.\n\nChannel 0: Yeah. I'll tick off the anxious button there. That would make you feel pretty anxious, you reckon?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That's okay. Absolutely. And if it did happen to fall by 20%, obviously, don't want it to happen that way. But if it did, do you think you'd be calling us funny at what's going on?\n\nAre you wanting to maybe move money into cash? How do you think you might react in those circumstance?\n\nChannel 1: Yeah. I'm not sure. Probably a phone call to see what you just recommend. But\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Yep. Be a bit worried going, hey. What happened to my stupid? How do I fix this? What's going on?\n\nChannel 1: Yeah.\n\nChannel 0: No. Excellent. That's a really good answer. Beautiful. And when we think about average returns of what you're sort of hoping to try and obtain from your super over the longer term, are you trying to aim for the highest returns you can knowing that you need to take a bit more risk to get better returns, or do you consider yourself happy with, say, a two, four, or a 6% return on a regular bay on a yearly basis to keep your super working as long as possible?\n\nChannel 1: Well, we want the super to work as long as possible, but we can't really afford the risk to try and get really good returns.\n\nChannel 0: Yep. Yep. No. That's okay. That's not a problem at all.\n\nSo the way you've both sort of scored and you have scored very much the same area, it is a bit different to where you scored in August, and it's a good thing we went through this again because you've scored as more of a conservative defensive investor, which is when we look at those those risky assets, this sort of portfolio would normally see about 25 to 35% in those growth assets. They're very much a a change, reducing those growth assets down. That's Australian shares, international shares, property, and, you know, precious metals like gold and silver. And then the defensive lower risk investments like cash, bonds, and fixed interest, you generally would see about 65 to 75. So it's very much a a change from where you would be when you're wanting to take on a bit more risk there.\n\nThis sort of portfolio normally suits someone who has about three years that are wanting to access a super now or within the next sort of three years. The likelihood of a negative return is about one in seven years, so very much low risk. And the expected returns we'd be hoping for on a regular base, on a yearly basis, is around about sort of, you know, two to 5%. Do you feel like that is sort of comfortable for yourself? Do you feel like you wanna bring things down to that level?\n\nChannel 1: So what are we on now? Sorry.\n\nChannel 0: You're right. So at the moment, you're kind of in that fifty fifty sort of split with those growth and defensive investments.\n\nChannel 1: Would be be worthwhile staying with that?\n\nChannel 0: You can if you like. Did you want me to do that sort of fifty fifty split? I can look at the investments, look at how to make them, show you what that looks like, and then we can always review that and alter it again in a few months or a year's time if you decide you're not comfortable with that level.\n\nChannel 1: I'm not sure. I mean, it's hard. The older you\n\nChannel 0: It's\n\nChannel 1: get, the more you wanna not\n\nChannel 0: the more\n\nChannel 1: have\n\nChannel 0: you\n\nChannel 1: too\n\nChannel 0: wanna\n\nChannel 1: much\n\nChannel 0: keep.\n\nChannel 1: of a risk.\n\nChannel 0: Yeah. Yeah. It's kind of that juggling act. You don't wanna take on too much risk, but you still want your super to keep growing a little bit too. You wanna make it last\n\nChannel 1: Yeah.\n\nChannel 0: as long as it possibly can. Absolutely. Well, I'll tell you what I would probably look at doing because, realistically, you don't wanna access the money now unless you realistically have to. At the moment, given the current age pension, you would have to probably start drawing down some out of super, but we can draw maybe a smaller amount out of each of your super accounts. That way, you get a bit more longevity out of both of them.\n\nSo I can, just if you want, look at doing a portfolio that gives you that fifty fifty split that gives you 50% growth investment, 50% defensive. So you are very much lowering the risk level and keeping, you know, some growth, some low risk investments there. Look at rejigging the portfolio to see what that looks like, how that affects you. I can show you the advice documents that shows you what we're recommending you invest in, the risk level, the cost of doing so, and the future projections on how this affects your super long term. And then look at how we would draw down how long your super is expected to last given age pension circumstances when you hit 67, Robin.\n\nDoes that sound okay?\n\nChannel 1: Yeah. And just\n\nChannel 0: Yep.\n\nChannel 1: a question.\n\nChannel 0: Sure.\n\nChannel 1: Peep people our age with roughly what we got, what do they normally do?\n\nChannel 0: With portfolio wise?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. It's very much not so much a stock standard. It's very much a very an individual choice, But a lot of people going into sort of that retirement aspect, I do have some people who are comfortable in that balance sort of fifty fifty area. There's nothing wrong with that in any way, shape, or form. It generally still can suit, you know, someone who's got about three years to accessing a super.\n\nYou can go into retirement in that sort of area. There's nothing wrong with it. If we look at more of a balanced portfolio, which is more of a sixty thirty split, you'd be expecting or averaging returns of hopefully about five to 7% on a yearly basis. And you still have a negative return, the likelihood of a negative return, one in every seven years. So it is still lowering the risk level, still expecting good return, but just not taking a huge amount of risk at the same time.\n\nDoes that make sense?\n\nChannel 1: Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: the fifty fifty is more of a risk than the seventy thirty.\n\nChannel 0: No. The fifty fifty is definitely less. The 70\n\nChannel 1: Yep.\n\nChannel 0: 30 is taking more risk. That's 70% growth investment, 30% defensive. The other first one we went through, which is the defensive portfolio, which is sort of 30% growth, 70% defensive, that one is the lowest kind of risk that you do get. But you're also taking a less returns in that kind of area.\n\nChannel 1: Okay. So the fifty fifty is sorta average.\n\nChannel 0: Yeah. It's kind of in between the two lower profiles there. And I can look at building a portfolio for you that is going to give you that fifty fifty split. We can incorporate maybe some commodities like gold and silver, which work both ways for you. So most people like gold.\n\nGold's been up, you know, really well over the past couple of years. We can also yeah. I've been up very, very, very high. And it works it's a growth investment, so it does get really good growth, but it also can be defensive in nature. Because when you kinda think back to the GFC or COVID, people move money into gold as a bit of a safe haven.\n\nSo I can include some gold, maybe some silver, and look at adding some commodities in there for you as well to see if that kinda helps.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And if we kind of look at this fifty fifty split to start with, if you decide in six months' time that it's not working, we can go back to the drawing board, and we can change the portfolio and reduce the risk even more. Does that sound comfortable for you both, or do you have further questions? Or\n\nChannel 1: No. That sounds good. Thanks.\n\nChannel 0: that sounds okay. Yeah. It's a little bit difficult because not everyone knows what they're comfortable with, and sometimes it's a matter of just, you know, going, yep. Let's give this a try. If it doesn't if we're not comfortable with that, then we just alter and rejig it again for you.\n\nChannel 1: I mean, we don't really understand it. So\n\nChannel 0: Yeah.\n\nChannel 1: there is\n\nChannel 0: That\n\nChannel 1: and whatever.\n\nChannel 0: yeah. That's okay. Well, what I can do is I'll go back and I'll put together a portfolio for you with that kind of $50.50 split. I will show you the advice document. You'll see the investment, how much should be invested, and what this looks like in front of you in the advice document.\n\nSo it'll be a little bit easier just to be able to look at that, you know, and go through the advice and read that. Does that sound okay?\n\nChannel 1: Yep. Thanks.\n\nChannel 0: Yeah. That's okay. Beautiful. So I'll go back and do a bit more research on your portfolios, have a look at where we are, and we'll look at doing something with that 50% growth, 50% defensive. Oh, your super funds aren't doing too bad, but I will just go back and review those for you.\n\nAnd then we're looking forward to there, Robin, when you turn 67 based on the current pension rates because I can't predict what they're gonna increase to then, and also look at how much super you may need to draw out. I can look at both of your supers and work out how we draw that money out and how long that might last and show you what that looks like. Are you both comfortable with that, or have I missed anything? Is there anything else you wanted me to sort of incorporate for you?\n\nChannel 1: No. That's all. Thanks.\n\nChannel 0: That sounds okay? Beautiful. Lovely. Now, Robin, I can also see here you have made some extra contributions to Super, which is great.\n\nChannel 1: Yeah.\n\nChannel 0: I know you\n\nChannel 1: Not\n\nChannel 0: spoke\n\nChannel 1: much.\n\nChannel 0: to my colleague. That's okay. A thousand dollars is still a thousand dollars. That's quite a lot of money when you think about it. It's like a week's worth of income.\n\nChannel 1: Yeah. It's a couple of weeks' worth. Yeah.\n\nChannel 0: Yeah. So with that at the moment, because it has been made put into the super fund as a nonconcessional contribution, that essentially means that, like, when your employer contributions go in their concessional, so taxes taken out of that contribution when it hits the fund. With the money you've been putting in, which I believe is about $20 per week. Is that right?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So that money goes in there from your after tax income, which means a 100% of that money is invested into the market. You can choose to claim it as a tax deduction. So I know Samantha spoke to you about claiming a notice of intent. So if you wanted to, with that thousand dollars that you have put in there, and you've probably got another two contributions to go in, so it'll be a little bit more than that by the end of the financial year.\n\nBut what we can do is after the July 1, is we can claim what's called a notice of intent to claim against that money. That essentially tells the Superfund that you're gonna claim that thousand dollars as a tax deduction, and they would take tax out of that money. And then once that tax is being taken out, that thousand dollars, you can tell your accountant you've contributed to super, and they can add that $1,000 to your tax return to give you a tax deduction. Does that make sense?\n\nChannel 1: Yeah. So it's worthwhile doing.\n\nChannel 0: It gen when you're working, it generally can be. What's your do you know roughly what your income is for this year at the moment?\n\nChannel 1: Not really, but I bring home about 500 most sweets.\n\nChannel 0: Okay. Do you have do you know what your gross is before that 500?\n\nChannel 1: Well, if I work the sixteen hours a week, I bring home $5.39. So it would only be about $30 tax on that at the most,\n\nChannel 0: Okay.\n\nChannel 1: I reckon.\n\nChannel 0: So we'll just pop the $30\n\nChannel 1: Five\n\nChannel 0: on there.\n\nChannel 1: $5.70 or something.\n\nChannel 0: Yeah. That's okay. That sounds about right. So it says $5.70 gross, and that's on a weekly basis.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: If I\n\nChannel 0: So\n\nChannel 1: would\n\nChannel 0: just to\n\nChannel 1: work at\n\nChannel 0: yeah. That's that's okay. Let's have a look.\n\nChannel 1: all. Yeah.\n\nChannel 0: So $5.70 on a weekly basis. Roughly gives you, say, a gross income, give or take, essentially, of about 29,640. So then you're making a voluntary contribution of $20 per week, which works out to be over fifty two weeks, a thousand and $40. So then if you claimed that as a as a tax deduction, it essentially and this is not including any other options. This is just kinda general looking at the numbers at the moment.\n\nBut, essentially, that 1,040, if you added that as a tax deduction and claim and notice of intent, can essentially reduce your taxable income down. Where is sorry. My computer's frozen slightly because it takes into account tax changes. Six six seven. Yeah.\n\nSo that would save you roughly about you get basically a whole offset. So you could reduce your taxable income by about that 1,040.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: That'll be worth all doing.\n\nChannel 0: Yeah. Well, at the moment, if I'm looking at the tax bracket you're in, so you are in the lowest tax bracket.\n\nChannel 1: Yes.\n\nChannel 0: So you're in that sort of 16% tax bracket there. If I'm reapplying that, it keeps you in the same tax bracket. It just gives you a little bit more of a tax deduction, which might give you a little bit more of a refund. This, you know, help get a little bit more tax back at the end of the year, which is ultimately what you kind of want, a bit more tax back.\n\nChannel 1: Yes.\n\nChannel 0: The money when you claim that notice of intent inside super, it means the super fund does take 15% tax out of those that money. But with $1,040, it would be about a $156 in tax. So you would still have quite a lot of that money invested. You'd still have $884 roughly invested in the super fund working harder for you, and then you can claim that 1,040 as a tax deduction and hopefully get a bit more of a tax return. Does that sound\n\nChannel 1: Yep.\n\nChannel 0: okay?\n\nChannel 1: That's the question. Does the government I know years ago when I was working for someone else, I put $20 in a week to my super, and the government had to match up to a certain amount. Do they still do that?\n\nChannel 0: Yeah. So that's essentially the government co contribution. And because your income is under the threshold there, if you do make the contribution, it absolutely can count. I'm just not sure if it's if we change the contribution if it does. But making that contribution, the thousand dollars there, does make you eligible for the go the government sorry, government co contribution.\n\nAnd that's $500 that gets added to your suit. They don't match it anymore. They just do a maximum of $500.\n\nChannel 1: Yep.\n\nChannel 0: I just need to check if because I'm not sure if I change if we claim a notice of intent, if they still get the the tax deduction. So give me one second. I'm just gonna have a quick look on that one for you.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So if you do claim the notice of intent, it changes the contribution amount, and they don't pay the government co contributions. So,\n\nChannel 1: So I'd be\n\nChannel 0: yeah,\n\nChannel 1: better off\n\nChannel 0: it more\n\nChannel 1: in, like,\n\nChannel 0: does\n\nChannel 1: twenty minutes.\n\nChannel 0: well, if you don't claim that notice of intent, obviously, with the government co contribution, that's an extra $500 that goes into your super, but it also does mean that there's no tax taken out of that money. So out of the 1,040, that whole 1,040 remains invested for you. So it's completely\n\nChannel 1: Okay.\n\nChannel 0: up to you. But, realistically, I mean, the tax while it reduces your taxable income, you're in the lowest tax bracket, so it's not a huge amount. You don't get the whole 1,000. But I say, you know, it kind of goes on the amount of tax paid. But, theoretically, keeping that money non concessional in super and having it all invested and then getting that government co contribution payment up to $500, that essentially does mean you'd have more money in your super working harder for you at the end of the day and does tend does sort of show from what I'm looking at to be of greater benefit to you rather than claiming that amount back.\n\nDoes that make sense?\n\nChannel 1: Yeah. Well, I'll do that. I just won't claim it.\n\nChannel 0: Yeah. That's absolutely fine. And you're happy to continue making that $20 every week as well up until the point you stop working?\n\nChannel 1: Yeah. I'll be making it for a while. A few years\n\nChannel 0: Yes. Beautiful.\n\nChannel 1: for\n\nChannel 0: Yeah. Perfect. We'll make sure we have that in the advice for you as well and factor in that government co contribution for you because long term, that\n\nChannel 1: me.\n\nChannel 0: does mean it's a bit more money in your super working harder for you at the end of the day, which is important.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. No. That's absolutely fine. Did you have more questions or want me to break any of that down a bit more for you at all?\n\nChannel 1: No. I do have a question about the email I got from Kendall. Is\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: it? Those forms that he sent me to sign, that's got a $20,000 That's the 20\n\nChannel 0: Yeah.\n\nChannel 1: thousand dollars I took out to go on holidays. Is part of that?\n\nChannel 0: Just having\n\nChannel 1: If I\n\nChannel 0: a\n\nChannel 1: can\n\nChannel 0: look\n\nChannel 1: read it\n\nChannel 0: for\n\nChannel 1: properly.\n\nChannel 0: you. That's okay. Is that the documents that you received today?\n\nChannel 1: Yeah.\n\nChannel 0: Oh, it might have had the wrong document attached there.\n\nChannel 1: I\n\nChannel 0: Let\n\nChannel 1: mean,\n\nChannel 0: me just double\n\nChannel 1: I can't\n\nChannel 0: check.\n\nChannel 1: get into my emails on my computer. But\n\nChannel 0: No. That's okay. It might have attached that document, and we didn't actually want it to be there. So what I'll do, I'll just have a look at what it what came through. Oh,\n\nChannel 1: It's not there now, but it was before there.\n\nChannel 0: is it maybe just bringing up the last document that you signed?\n\nChannel 1: Maybe.\n\nChannel 0: Because I can see for yours, Robin, is the ongoing fee can sent arrangement. That's the one that we sent through just then. And then\n\nChannel 1: So I just sign it and send it back.\n\nChannel 0: yeah. Yeah.\n\nChannel 1: Yeah. Because the first one is transaction without advice. Withdraw $20,000 from my\n\nChannel 0: And that was the one that was from a while ago. That was the one in February, wasn't it?\n\nChannel 1: Yep. Yeah. January 12, we started, but then we had trouble because it was Frank's signature coming up on it all the time.\n\nChannel 0: Yeah. Yes. Yep.\n\nChannel 1: So I had to sign a couple of times. So\n\nChannel 0: Right.\n\nChannel 1: Mhmm.\n\nChannel 0: No. That's okay. So I can see the fee consent form here is for yourself. We sent through two of them. There should be one for Frank as well, but I can only see one coming up.\n\nSo what I'll do is I'll just go back, and I'll make sure I can see both of them coming through. Not sure why it's not both coming through.\n\nChannel 1: Yeah. Because I can\n\nChannel 0: I I sort of do miss DocuSign a little bit. This is fun, this system, but it's just not not the same. I do miss DocuSign a little bit. It was easier. Not gonna lie.\n\nOh, good. What I might do is I'll just go back and make sure that both of those fee consent forms have come through. I might have to resend them for you, but I'll just make sure the system is sending those correctly because it should be 1¢ to each of you. So if you don't see them by the end of the day, can you just let me know? Is that okay?\n\nChannel 1: Yeah. And this\n\nChannel 0: Yeah.\n\nChannel 1: one has got the partial account balance for 20\n\nChannel 0: Yep.\n\nChannel 1: thousand dollars on it.\n\nChannel 0: Yep.\n\nChannel 1: I just didn't wanna sign it again.\n\nChannel 0: No. No. That's fine. It should be if it's one of the attachments, it might have just attached that document because it was one that was in the file when they were attached, and someone might have dragged it across, and that's absolutely okay. The only document that it should ask you to sign is the ongoing service agreement.\n\nThere should be one with each of your names there because we have you both as clients. Our normal fee is 1.65% per annum, but we've actually reduced yours both, and it'll continue that way to 1.1%. So you're paying a lower fee because you're both on board there. And it should just it does say having a look here, it's 1.1% per annum, and then we deduct our ongoing service fee in smaller monthly increments out of your super for our services, and it fluctuates and goes up and down with the market. So if the the so market was to take a little bit of a further dip, our fee does continue to go down with it, and then it does go up a little bit as the market increases as well.\n\nSo our fee goes up and down with your super. Does that make sense?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: I've\n\nChannel 0: Beautiful.\n\nChannel 1: just found the sign request from me for the annual review to my Gmail account from you.\n\nChannel 0: Yep.\n\nChannel 1: But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I wasn't sure about this one from from Kendall this morning.\n\nChannel 0: Oh, very that's a bit bizarre. Yeah. I'll find out if anything else has come through, but, yeah, it's just the ongoing service agreement there. I can see one's come through, but I can't see where Frank's has come through. So I will go back and double I will go through I can double check for you, Frank, if that does come through.\n\nIf it doesn't, I'll make sure I resend it for you. Okay.\n\nChannel 1: Yeah. Marty Marty, a different email to Rob's. That's all.\n\nChannel 0: Yeah. No. That's okay. That's not a problem. Normally, when I open it, I can see both of them here, but it's only showing me one.\n\nI'm not really sure why. So that's honestly okay. I'll go back and have a bit of a look at that for you. Not an issue at all. If there is anything else, I'll make sure we sort of give you a call and let you know.\n\nJust to sort of reiterate, so super wise, you know, not accessing anything unless you need to until, Robin, you turn age 67. I'll\n\nChannel 1: Yep.\n\nChannel 0: look at the Centrelink side of things for you and look at the portfolios and see what we can come up with keeping that kind of 50% split either to the, you know, to the risk factor for you. So 50% growth investment, 50% defensive investment. Is there anything else goals wise that either of you might think you've got or want me to sort of look at for you in the next couple of years, or is that kind of the thing where your sleep is going?\n\nChannel 1: I think that's about it. Thanks.\n\nChannel 0: That's about all.\n\nChannel 1: I\n\nChannel 0: That's okay. Just to sort of you're right. Sorry.\n\nChannel 1: I did just sign that one that you sent me to my Gmail account, so I hope\n\nChannel 0: Oh,\n\nChannel 1: that went\n\nChannel 0: thank\n\nChannel 1: through\n\nChannel 0: you. Thank you so much, Robin. I'll go back and check that for you.\n\nChannel 1: alright.\n\nChannel 0: Sorry about that.\n\nChannel 1: You're\n\nChannel 0: I\n\nChannel 1: alright.\n\nChannel 0: love these new computer systems.\n\nChannel 1: Okay.\n\nChannel 0: I'll just double check all of your assets there as well. So at the moment, we did have your main primary residence last year. Asset value we had noted was about 500,000. Do\n\nChannel 1: Yeah.\n\nChannel 0: you think that might have increased a bit from where we were last year? Do you think it might be valued more to yourself at the moment, or what's your thoughts on that value?\n\nChannel 1: Well, the prices of houses in town are going up. Some are selling to $404.50. I mean, in\n\nChannel 0: Crazy,\n\nChannel 1: West, it's\n\nChannel 0: ain't\n\nChannel 1: not\n\nChannel 0: it?\n\nChannel 1: five acres,\n\nChannel 0: Yeah.\n\nChannel 1: but we're couple of from, you know, a bit out of town, not far. But\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Okay. About four k. So, yeah, I'm not sure what the value would be worth.\n\nChannel 0: Yep. Yep. No. That's okay. Not a problem.\n\nSo I'm having I'm just having a quick look online to see what the estimated value of the property is at the moment to sort of see what is out there and what they're saying. So The same, realistically, estimated property value, mid range about 400,000, high range about $4.55. Did\n\nChannel 1: Yep.\n\nChannel 0: you feel like that's very average, or did you wanna keep it to where it was? Or\n\nChannel 1: Well, that's probably average for a house\n\nChannel 0: yep.\n\nChannel 1: block. So we'll just keep ours at the $5.01. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Because we're 2.2 hectares. K.\n\nChannel 0: Yep. That's absolutely fine. Not a problem at all.\n\nChannel 1: And it's freehold too.\n\nChannel 0: So $5.70. Beautiful. And, Robin, your income, I'm just sort of estimating your take down gross income per week is about 570. You're fairly comfortable with that?\n\nChannel 1: Yeah. I mean, that's the highest I get. But\n\nChannel 0: Yep.\n\nChannel 1: if I\n\nChannel 0: Yep.\n\nChannel 1: don't work the whole sixteen hours a week, it's less. So\n\nChannel 0: Okay.\n\nChannel 1: it all depends\n\nChannel 0: Do\n\nChannel 1: how\n\nChannel 0: you\n\nChannel 1: much work they've got for me to do.\n\nChannel 0: yeah, no worries. Alright. Lovely. And, Frank, how much are you averaging from Centrelink on a fortnightly basis at the moment for the age pension?\n\nChannel 1: Just over 700. 7\n\nChannel 0: Per\n\nChannel 1: 60.\n\nChannel 0: fortnight?\n\nChannel 1: I think\n\nChannel 0: Yep.\n\nChannel 1: $7.50. Yeah. Just over 700 a fortnight.\n\nChannel 0: Sorry. Did you say $7.50 or $7.60 just before as well? Sorry.\n\nChannel 1: Yeah. Something like that.\n\nChannel 0: Yep.\n\nChannel 1: No. It's not that high. Is it?\n\nChannel 0: Oh, it's not.\n\nChannel 1: What is it? It's if I do my school if I do my thirty two hours of if I do thirty two hours of fortnight, he gets about 690\n\nChannel 0: Okay.\n\nChannel 1: a fortnight.\n\nChannel 0: 690.\n\nChannel 1: How\n\nChannel 0: Perfect.\n\nChannel 1: much is\n\nChannel 0: Robin, do you know what your hourly rate is\n\nChannel 1: it?\n\nChannel 0: at all?\n\nChannel 1: I think it's $31.31\n\nChannel 0: Yep.\n\nChannel 1: 70, something like\n\nChannel 0: 30\n\nChannel 1: that.\n\nChannel 0: $1.70 per hour. Beautiful. Because I can sort of average that out and work it out on the thirty two hours and average that over the course of the year for you to kinda give me an estimate on the income if you like. That's\n\nChannel 1: Yep.\n\nChannel 0: absolutely fine. Beautiful. And you sort of need income of about $3,000 per fortnight or $1,000 per week to survive moving forward. Is that fairly right? Did you want me to maybe factor in a bit of a buffer there, or are you happy with that for the moment?\n\nChannel 1: Two oh, it sounds a lot of money. Doesn't it? But it doesn't go very far.\n\nChannel 0: It really doesn't.\n\nChannel 1: Okay.\n\nChannel 0: No. When you think about groceries, I know I've I've got two kids moved out of home now and only one child at home. I'm still spending about $2.50 to $300 a week on groceries. It's everything costs so much.\n\nChannel 1: I reckon. No. And things are more expensive out here, I imagine.\n\nChannel 0: Oh, absolutely. I can I can keep it at 2,000 per week at the moment? And if you find that you wanna increase that, that's absolutely fine. This\n\nChannel 1: Yep.\n\nChannel 0: kinda gives us a bit of a working point for you moving forward. I mean, we're looking at the advice now, but also, you know, in the next fifteen months, knowing that in that time, things can change and we may need to update it again. But this is giving you a bit of an idea of where we're tracking and what it sort of looks like down the track for you. Okay?\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: Excellent. Other assets I have here, I've got your Nissan Qashqai. Rough value, if you had to sell that, got down here about 20,000. If you did have to sell that, what do you think what value wise would it be to you?\n\nChannel 1: To me. Oh, I got no idea what they were.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: They're a good dollar.\n\nChannel 0: We had 20,000 last year. Did you wanna keep it at 20?\n\nChannel 1: Yeah. Yeah. I mean, it'd probably be a $15.24. 15 maybe?\n\nChannel 0: Yeah. Absolutely. And then we've got the Nissan Navara, which is a 2012 model. And last year, we said roughly about 15,000 value. Would you keep that about the same, do you think?\n\nChannel 1: No. Not now.\n\nChannel 0: No? Drop it a little\n\nChannel 1: I'm\n\nChannel 0: bit.\n\nChannel 1: just\n\nChannel 0: 12.\n\nChannel 1: looking at some others. I've seen some others on Facebook and that, but it's for sale. They're at the same age as mine, and they're about 3 or $4.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: I'll be lucky to get 5 for it. I think.\n\nChannel 0: I'll pop a bit pop 5 on there for you. All good. And do you happen to know if you're able to, are you able to access, like, an income or an asset statement from Centrelink that sort of shows what they have your assets noted as? Do you know how to get that from your myGov account, or do you have one handy at all?\n\nChannel 1: No. Sorry. I've got no idea.\n\nChannel 0: No. That's okay. Do you know roughly what they have as your assets noted on Centrelink? Do you have do you know what they have or, like, your cars and savings accounts, what they have noted?\n\nChannel 1: No. Would it be on Centrelink my Centrelink?\n\nChannel 0: It would yeah. It'd be on it's probably more on Frank's myGov because he's the one that's actually applied for it. Do you know how to log in to your myGov? You log in pretty you should would, wouldn't you? Because you report\n\nChannel 1: Yeah. I do. Frank's my guy. Yep.\n\nChannel 0: yeah. If I send an email afterwards just with a little bit of a direction on how to get that statement, would you be able to grab one of those statements and forward it through to me just so I can use that for the research for you for the plan?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. If it's too much, let me know. Is it\n\nChannel 1: Yep.\n\nChannel 0: easier if I send you an email, or is it easier if I try to direct you through now? What would be better for both of you guys?\n\nChannel 1: Probably an email. Thanks. Because I'm\n\nChannel 0: Yes.\n\nChannel 1: on Frank's phone. Because\n\nChannel 0: Yeah.\n\nChannel 1: I'm on Frank's\n\nChannel 0: No.\n\nChannel 1: phone, and I would have\n\nChannel 0: No.\n\nChannel 1: to get on to me to get one Frank's phone.\n\nChannel 0: No. No. That's absolutely fine. I'll send you an email with a breakdown of what to do. If you find it difficult or struggle, let me know.\n\nWe can always look at doing another option. I just wanted to make sure that when we are factoring in Centrelink that we understand what they have for assets and income and liabilities. That way, I can work on the same figures for you. Okay?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Perfect. Beautiful. I have done here contents, roughly about 25,000 value of contents. Would you increase that?\n\nGot any big collections recently that you wanna maybe note down? Or\n\nChannel 1: No. I just\n\nChannel 0: No.\n\nChannel 1: Okay. The same. Thanks.\n\nChannel 0: Yep. That's okay. All good. Other than that, you mentioned that you're putting about $800 away on a fortnightly basis to cover those bills and things. Are you managing to put anything into a bit of a savings account, or is everything that you're earning going out towards bills and expenses and and rates and things like that insurances?\n\nChannel 1: Yeah. Well, there's not much left. I have opened a funeral account.\n\nChannel 0: Okay.\n\nChannel 1: Well, I did that a while ago, and I try and put $20 a fortnight or $20 a month in it, but it's in an account that gets if I don't touch it. And if I put in, it gets the higher interest.\n\nChannel 0: Yep.\n\nChannel 1: It gets,\n\nChannel 0: Okay.\n\nChannel 1: like, a second lot of interest. But I\n\nChannel 0: Okay.\n\nChannel 1: don't claim that on Centrelink because it's a funeral account. So\n\nChannel 0: Yeah. With the funeral, realistically, with Centrelink, that because that's just the bank account that you've opened that you've called funeral account. Is that right?\n\nChannel 1: Yeah.\n\nChannel 0: So, realistically, if they find that they will consider that an I'm sorry, an asset and assess under both the assets and the incomes test. Are you putting that money away purely for, say, both of your funerals or one of you, or what's the plan with that? Is it for anyone's funeral or more just focused around the two of you?\n\nChannel 1: Just off.\n\nChannel 0: Yeah. Because there are investment options or bonds that I have access to, which are funeral bonds. And the idea is you could start with a certain amount of money if you had I think, you know, we just start with about a thousand dollars. And you can be putting some regular amounts in on a regular basis. And these are the funeral bonds.\n\nIf one of we could set two up if you wanted to. It's completely up to you. You can have a think about it. But, essentially, you set up this funeral bond. The money is invested, so it is growing, not just getting a cash rate.\n\nBut they are fully non assessable by Centrelink. So even if they find out about these accounts, they won't add them to your income and assets test. They are sheltered for Centrelink purposes, and we would have to set up two of them. But, essentially, if you were to then pass away, the money is withdrawn out to to the executor within twenty four hours of having the the death certificate provided. Did you\n\nChannel 1: Florida.\n\nChannel 0: wanna look at something like that, or are you happy with the way it is at the moment and just wanna think about it? What do you think?\n\nChannel 1: Yeah. I can think about it. It's probably you reckon that's a better way to go.\n\nChannel 0: Well, they are sheltered for centrelink purposes. At the moment, the sheltering amount is about $1,516,000 for centrelink purposes. But realistically, you can open up these accounts with as little as normally about $1,000. You can be putting regular amounts in, say, 20 or $30 a month or, you know, a lump sum once a year into the bond. It just keeps being invested and grows.\n\nIt is invested in an investment option like we might pick, as an example, like a a Vanguard fund, which might give you diversification, and it could get, like, you know, a two, three, or a 5% return on a yearly basis and be growing over time. But they are fully sheltered, the Centrelink. Centrelink don't don't look at the bonds. The amount that you put in, as long as it's under the the asset requirements, so under the 15 or $16,000, they don't count that, and gross from those funds is not assessed by Centrelink. So it's really really a good way to shelter money.\n\nIt can\n\nChannel 1: Yes.\n\nChannel 0: grow towards, you know, the goal of being able to pull that up for a funeral down the track. The downside of these is that you can't access the funds to anything else. It has to only be pulled out for the purpose of a funeral. If you pull out, you have $20. And if you pull all of that out and you only use $5 on a funeral, then that's But they don't let you access those bonds in advance to anything else, whereas the advantage to having that in the bank account like you have at the moment is that if something happens, you can use the funds elsewhere if you want to.\n\nBut we do have access to these other types of investments that we can certainly help you with. You don't have to do it now. You can just, you know, talk about it, mull on it, think about it if you like. It's absolutely fine. It's just another sort of option to look at as well.\n\nChannel 1: Yeah. We'll just talk about it, I think. Thanks.\n\nChannel 0: Absolutely.\n\nChannel 1: Just think it's, I mean, we only we don't wanna touch it, but I think it's a bit of if it's there, it's a bit of peace of mind if you need it, isn't it?\n\nChannel 0: Absolutely. And that is the downside to a funeral bond is that you can't take it out if you do need the money. So say something happened and, know, you had to rush Frank to the doctors and needed the money quickly for a specialist appointment or something. You know, you do have that money there as a bit of a backup as a buffer for you. Whereas\n\nChannel 1: Yes.\n\nChannel 0: a funeral bond, you can't pull that out. It has to stay there no matter what. You don't have to keep putting money in a regular basis to the bond. It's definitely more sort of up to yourself, but there are the advantages and disadvantages. It's always a good a good side to the option, but also a bad side as well.\n\nSo it's about weighing up what's right for you at the time.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. That's okay. I also just wanted to update. Now with the funeral accounts, how much do you have in there at the moment?\n\nChannel 1: Nearly 11.\n\nChannel 0: Okay. Fantastic. Beautiful. And you said you put about $20 per week in there. Is that per month in there?\n\nSorry?\n\nChannel 1: Yeah. Some sometimes it's only $20 a month, but then last month, I got 40 something dollars interest on it. So\n\nChannel 0: Oh, fantastic. Excellent. Lovely. Well, feel free to have a chat. If you decide you wanted to go down that route, you can let me know.\n\nIn the meantime, I would just leave that there as that, and not sort of account for it. Okay?\n\nChannel 1: Yep. Okay. Thanks.\n\nChannel 0: Excellent. Now other bank accounts and things, do you have any other term deposits or large savings accounts that Centrelink would wanna know about?\n\nChannel 1: They're all under this, the limit. I mean, I think we've got 3,000 in the savings\n\nChannel 0: Yep.\n\nChannel 1: and 1,000 something in a bill paying account. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, not a great deal.\n\nChannel 0: No. That's okay. That's not a problem at all. 1,000 there. Beautiful.\n\nWell, thank you for updating those details there for me. Now I also had it noted. We do check this every year with you, but the last time you guys updated your will was 2010. Is your will still valid? Is it still suited to your circumstances, do you think?\n\nChannel 1: Yeah. Just\n\nChannel 0: Yes.\n\nChannel 1: close to one if it if one passes away and then both kids get it, and they're both executor and power of attorney. So\n\nChannel 0: Yep. No. That's not a problem at all. And when you do turn 67 and fully retire, if you do need to sort of take a little bit of money out of super at the same time to replenish your income, just confirming, you would wanna keep your beneficiaries nominated to each other. So Frank to Robin, Robin to Frank.\n\nChannel 1: Yeah. Thanks.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yeah. We're not planning to split up.\n\nChannel 0: No. Beautiful. Beautiful. Lovely. So what I can also look at, if you're comfortable with me doing so, is when you do get to 67 there, Robin, and you do maybe on the age pension with the both of you getting full age pension, hopefully, and maybe drawing a little bit out of your sofa, did you want me to look at whether we move fully into pension phase or whether we stay in the super that we're in.\n\nDo you understand the difference between the two accounts and phases?\n\nChannel 1: The pension one, you gotta draw so much out every so often, don't you?\n\nChannel 0: That's right. So when you're in that pension phase, they have a minimum balance that you have to be able to draw out, which at age 67 is about 5% of your total balance. But looking at the way your super is with your total balance there, you might be drawing a bit more out. So if at the moment with the age pension, it's the two of you, it doesn't quite make that $2,000 per fortnight doll. So I would probably have to be drawing a little bit out of your supers to kind of replenish to make sure you're able to get that $2,000 per fortnight for your living expenses.\n\nChannel 1: Yes.\n\nChannel 0: If I do the research and it comes back and tells me that, you know, what you'd be drawing out meets that minimum requirement, there are benefits to being in pension phase. I mean, you do have to take the money out, but there's also no tax consequences. So at the moment, you're in the accumulation phase. That's where you're building your super up. All your employer contributions are going in.\n\nAny of the capital gains that your super makes, it actually currently pays tax on. And same with the income. So any income that's made inside that fund, your super currently pays tax on. When you turn fully retire, so age 67, when you wanna retire, if we wanna move you fully into pension phase, there's no tax consequences in there. So your super fund can be making money, both capital gains and income, and there's no it doesn't pay any tax in that phase.\n\nThe only sort of downside is that you do have to take a minimum pension payment. Would you like me to assess whether staying in accumulation or moving into pension works better for you at that time?\n\nChannel 1: Yeah. Thanks. So does that\n\nChannel 0: Yep.\n\nChannel 1: mean Frank should probably be in the pension phase now?\n\nChannel 0: Well, he can be, but he does have to take that minimum pension payment out. So at the moment with Frank's balance, because you don't really want to take any money out and don't really need to right now because you're still working, he is fine to stay in in the accumulation phase. It does mean\n\nChannel 1: Yes.\n\nChannel 0: that his fund is taking is paying a little bit of tax on the growth and the income that it is making. But because you don't really need income out of it, there's nothing wrong with that. It's not paying a huge amount of tax. The downside to it is that it is assessed by Centrelink. So at the moment, yours is sheltered by Centrelink because, Robin, you're under 67.\n\nBut when you turn 67, both of your super balances will be assessed by Centrelink.\n\nChannel 1: Yep.\n\nChannel 0: And given this the current Centrelink arrangements with the payments they make, you might need to take some income out. So being in pension phase could actually work out better for you. But did you want me to look at whether Frank should be in pension phase now or super, or are you happy just to sort of keep it where\n\nChannel 1: He\n\nChannel 0: it is now, Frank? What's your thought?\n\nChannel 1: doesn't know. He doesn't do any of\n\nChannel 0: He doesn't\n\nChannel 1: this stuff.\n\nChannel 0: know? That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: suppose it's better off him staying where he is because don't wanna get it too much lower than that before\n\nChannel 0: Yeah. That\n\nChannel 1: we\n\nChannel 0: is\n\nChannel 1: have to start pulling anything\n\nChannel 0: yeah.\n\nChannel 1: out.\n\nChannel 0: That that's the other side of it. Yeah. I mean, the gross in the income this for the last twelve months up until now was essentially a positive of 2%. So your fund hasn't made a huge amount. It's only paid a small amount of tax, whereas you would have to draw 5% out.\n\nSo if I look at your balance at the moment there, Frank, just to give you an idea, I'll just pop back into that file. Sorry. I'm just pulling the document back up. Okay. So with your balance at the moment, Okay.\n\nSo with the balance at the moment, if your funds, say, as an example, made $2,000 there at 15%, the tax on that would essentially be $300. So if your fund made $2,000 for the year, it would pay a $300 tax on that. If, example, say, you needed to take out income from your super and you move the pension phase for the year at your current age there, it's about a 5%. So 5% times your current balance of $89.03 $7.00 and 82¢. It essentially means you'd have to draw out that $4,468 for the year.\n\nThat's a 5% of your current balance. $168 for the year. That's at 5% of your current balance. So, frankly, beating that accumulation phase now, whilst your fund is still paying tax, the tax it's probably paying on the income it's made this year is lower than the amount you would have to draw out. Does that make sense?\n\nYeah.\n\nChannel 1: Yes. It sure does.\n\nChannel 0: Yeah. So, realistically, staying in accumulation right now means that you don't have to draw that money out. It is still currently paying tax, but you still have an opportunity to grow your balance even more without the requirement of drawing down. So are you happy just to stay in that sort of accumulation or super stage now?\n\nChannel 1: Yes. Just stay on that. Alright.\n\nChannel 0: Yep.\n\nChannel 1: You\n\nChannel 0: And\n\nChannel 1: do\n\nChannel 0: we\n\nChannel 1: the best.\n\nChannel 0: can look at maybe moving into pension when Robin turns 67. Does that sound right to you?\n\nChannel 1: Yeah. That sounds good to\n\nChannel 0: Yeah.\n\nChannel 1: me. Yep.\n\nChannel 0: Fantastic. Now I've covered a lot, and I'm so sorry. But do either of you have any questions, did you want me to break anything down more for you? Or\n\nChannel 1: No. Thanks.\n\nChannel 0: no. That's oh, that's good. That's good. It came a bit a bit confusing, but please let me know if there's anything you wanted me to sort of touch on. What I can do now is I can go back and just look at the research.\n\nWe can update the advice. We'll look at the two stages, what we do now with the super, with the investments, and how that looks when you turn 57, Robin, and when you are both fully retired and needing to draw down on what we can do income wise. That'll give us a guide tracking and what we're planning over the next few years. And then moving forward, we can just keep reviewing that and make changes as we need to. Does that sound okay?\n\nDo both of you have any additional questions?\n\nChannel 1: That sounds good. Thanks. Sounds\n\nChannel 0: That sounds\n\nChannel 1: really good.\n\nChannel 0: great. Fantastic. Lovely. Well, I feel like I've taken up enough of your precious time, so I will let you both go. I'll get my team just to double check that both those odor signs have gone through with the ongoing service agreement.\n\nIf there's any issue, we'll make sure we resend it through, and I'll get my team to give you a buzz. I'll send out an email there just directing and showing you how to get into the myGov to pull down the the asset information for Centrelink just for the research. And if you get stuck or have any problems, let me know. Okay?\n\nChannel 1: Yeah. Will do.\n\nChannel 0: Fantastic. I'll let you both go, Frank. I hope recovery's well. Rest up.\n\nChannel 1: Yeah. That's what I've been doing.\n\nChannel 0: Fantastic. Robin,\n\nChannel 1: I\n\nChannel 0: I hope you get some downtime\n\nChannel 1: know. I I got another couple of weeks here, don't I?\n\nChannel 0: too. Oh, absolutely. No. All good. And I will attach the email there our financial services guide.\n\nIt is really important we provide that to you. It's a a licensee document. It's a a document that explains everything about who we are. It has all my licensing information in there as a registered adviser for you, and it's also got a lovely picture of me in there as well. You're welcome to run your eyes over that.\n\nIf you do have any additional questions, let me know. I know we've spoken a few times in the past, but\n\nChannel 1: Yeah.\n\nChannel 0: it's always good to update everything. And, you know, you meet a lot of people on a regular basis, so you might forget what I look like. You talk to me on the phone all the time, but\n\nChannel 1: Thanks for your help today. Yeah. Okay.\n\nChannel 0: not a problem at all, guys. Thank you so much for your time. You both have an amazing afternoon. I'll talk to you very soon.\n\nChannel 1: Okay. Okay. Thanks.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.08,"end":0.58,"sentiment":"neutral","sentiment_score":0.011306436732411385}],"sentiment":"neutral","sentiment_score":0.011306436732411385,"channel":1,"num_words":1,"start":0.08,"end":0.58},{"sentences":[{"text":"Hi, Frank.","start":3.9199998,"end":4.48,"sentiment":"neutral","sentiment_score":0.02376534231007099},{"text":"Robin, can you hear me better now?","start":4.48,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.001792332689676966}],"sentiment":"neutral","sentiment_score":0.006675223716431194,"channel":0,"num_words":9,"start":3.9199998,"end":6.3399997},{"sentences":[{"text":"Hello?","start":9.679999,"end":10.179999,"sentiment":"neutral","sentiment_score":0.012137195095419884}],"sentiment":"neutral","sentiment_score":0.012137195095419884,"channel":1,"num_words":1,"start":9.679999,"end":10.179999},{"sentences":[{"text":"Hi, Frank.","start":11.28,"end":11.84,"sentiment":"neutral","sentiment_score":0.022807120345532894},{"text":"It's Dana from Oakview.","start":11.84,"end":12.96,"sentiment":"neutral","sentiment_score":0.04490012675523758},{"text":"Can you hear me better?","start":12.96,"end":14.099999,"sentiment":"neutral","sentiment_score":0.018010435998439787}],"sentiment":"neutral","sentiment_score":0.028660629791292278,"channel":0,"num_words":11,"start":11.28,"end":14.099999},{"sentences":[{"text":"Yeah.","start":14.755,"end":15.075,"sentiment":"neutral","sentiment_score":0.05655422806739807},{"text":"I can hear you better.","start":15.075,"end":16.195,"sentiment":"neutral","sentiment_score":0.060189343988895416},{"text":"Yep.","start":16.195,"end":16.595,"sentiment":"neutral","sentiment_score":0.10144921392202376},{"text":"It's","start":16.595,"end":16.755,"sentiment":"neutral","sentiment_score":0.1776026338338852}],"sentiment":"neutral","sentiment_score":0.07956909947097301,"channel":1,"num_words":8,"start":14.755,"end":16.755},{"sentences":[{"text":"Yep.","start":16.695,"end":17.195,"sentiment":"neutral","sentiment_score":0.21540269255638125}],"sentiment":"neutral","sentiment_score":0.21540269255638125,"channel":0,"num_words":1,"start":16.695,"end":17.195},{"sentences":[{"text":"good.","start":16.755,"end":17.255,"sentiment":"positive","sentiment_score":0.500813901424408}],"sentiment":"positive","sentiment_score":0.500813901424408,"channel":1,"num_words":1,"start":16.755,"end":17.255},{"sentences":[{"text":"Fantastic.","start":17.494999,"end":17.994999,"sentiment":"positive","sentiment_score":0.6570209264755249},{"text":"Much clearer.","start":18.535,"end":19.435,"sentiment":"positive","sentiment_score":0.48567694425582886}],"sentiment":"positive","sentiment_score":0.5427916049957275,"channel":0,"num_words":3,"start":17.494999,"end":19.435},{"sentences":[{"text":"Yeah.","start":20.195,"end":20.675,"sentiment":"neutral","sentiment_score":0.1968553364276886},{"text":"A bit louder too.","start":20.675,"end":21.895,"sentiment":"neutral","sentiment_score":0.082541280426085}],"sentiment":"neutral","sentiment_score":0.10540409162640571,"channel":1,"num_words":5,"start":20.195,"end":21.895},{"sentences":[{"text":"Oh, good.","start":22.215,"end":23.015,"sentiment":"neutral","sentiment_score":0.27460820972919464},{"text":"Good.","start":23.015,"end":23.335,"sentiment":"positive","sentiment_score":0.3653413653373718},{"text":"Good.","start":23.335,"end":23.575,"sentiment":"neutral","sentiment_score":0.32211652398109436},{"text":"Well, I won't yell into the phone too much.","start":23.575,"end":25.335,"sentiment":"neutral","sentiment_score":0.05295564762006203},{"text":"Just tell me to to slow down.","start":25.335,"end":27.115,"sentiment":"neutral","sentiment_score":0.03062308207154274}],"sentiment":"neutral","sentiment_score":0.09638183559291065,"channel":0,"num_words":20,"start":22.215,"end":27.115},{"sentences":[{"text":"Get a bit quieter for you.","start":27.415,"end":29.115,"sentiment":"neutral","sentiment_score":0.07734044392903645},{"text":"All good.","start":30.33,"end":30.97,"sentiment":"neutral","sentiment_score":0.3074304163455963},{"text":"Just before we jump into the call again, I just need to do a quick security check there with you.","start":31.13,"end":35.129997,"sentiment":"neutral","sentiment_score":0.06599317491054535},{"text":"I have emailed some documents to you, but we can kinda go through those shortly.","start":35.449997,"end":39.149998,"sentiment":"neutral","sentiment_score":0.0766245593627294},{"text":"Can I get you both just to confirm your date of birth for me and the address of where you should be the address I should have on file?","start":39.61,"end":46.614998,"sentiment":"neutral","sentiment_score":0.07213479601617517}],"sentiment":"neutral","sentiment_score":0.07833395096369916,"channel":0,"num_words":72,"start":27.415,"end":46.614998},{"sentences":[{"text":"09/17 to 11/1960.","start":48.065,"end":50.725,"sentiment":"neutral","sentiment_score":0.007343521962563197}],"sentiment":"neutral","sentiment_score":0.007343521962563197,"channel":1,"num_words":3,"start":48.065,"end":50.725},{"sentences":[{"text":"Yep.","start":51.235,"end":51.735,"sentiment":"neutral","sentiment_score":0.016287604346871376}],"sentiment":"neutral","sentiment_score":0.016287604346871376,"channel":0,"num_words":1,"start":51.235,"end":51.735},{"sentences":[{"text":"361 Quarterwood Creek Road, Scottsdale, Queensland 4804.","start":51.585,"end":56.41,"sentiment":"neutral","sentiment_score":0.019584976003638337}],"sentiment":"neutral","sentiment_score":0.019584976003638337,"channel":1,"num_words":7,"start":51.585,"end":56.41},{"sentences":[{"text":"Beautiful.","start":56.835,"end":57.315,"sentiment":"positive","sentiment_score":0.3820664584636688},{"text":"Thank you so much for that.","start":57.315,"end":58.48,"sentiment":"positive","sentiment_score":0.5404798289140066},{"text":"And, Frank, I'll describe your date of birth there for","start":58.48,"end":60.899998,"sentiment":"neutral","sentiment_score":0.15706223547458648}],"sentiment":"neutral","sentiment_score":0.30562163451138663,"channel":0,"num_words":17,"start":56.835,"end":60.899998},{"sentences":[{"text":"Twenty seventh of the second, fifty seven.","start":61.67,"end":64.41,"sentiment":"neutral","sentiment_score":0.15448908294950212}],"sentiment":"neutral","sentiment_score":0.15448908294950212,"channel":1,"num_words":7,"start":61.67,"end":64.41},{"sentences":[{"text":"me.","start":64.56,"end":64.96,"sentiment":"neutral","sentiment_score":0.06845550984144211},{"text":"Legend.","start":64.96,"end":65.439995,"sentiment":"neutral","sentiment_score":0.1380990594625473},{"text":"Thank you so much for that.","start":65.439995,"end":67.14,"sentiment":"positive","sentiment_score":0.3614491969347},{"text":"So just to give you guys a bit of an update on your super now I have sent you the annual review documents to you.","start":67.84,"end":73.255,"sentiment":"neutral","sentiment_score":0.15184357345104219},{"text":"They have been sent through from a different system for what we used to use.","start":73.255,"end":76.375,"sentiment":"neutral","sentiment_score":0.03662287096182505}],"sentiment":"neutral","sentiment_score":0.14001421149199209,"channel":0,"num_words":48,"start":64.56,"end":76.375},{"sentences":[{"text":"We used to use DocuSign, which you could kinda open and review the documents.","start":76.375,"end":80.875,"sentiment":"neutral","sentiment_score":0.03473612253687212},{"text":"With","start":81.335,"end":81.835,"sentiment":"neutral","sentiment_score":0.0453718826174736}],"sentiment":"neutral","sentiment_score":0.03544517320891221,"channel":0,"num_words":15,"start":76.375,"end":81.835},{"sentences":[{"text":"Yes.","start":81.71,"end":82.21,"sentiment":"neutral","sentiment_score":0.07212649285793304}],"sentiment":"neutral","sentiment_score":0.07212649285793304,"channel":1,"num_words":1,"start":81.71,"end":82.21},{"sentences":[{"text":"OdooSign, you can do the exact same thing.","start":81.895,"end":84.215,"sentiment":"neutral","sentiment_score":0.06568012852221727},{"text":"It's just they added as attachments on the front of the email.","start":84.215,"end":87.41499,"sentiment":"neutral","sentiment_score":0.0527247063194712},{"text":"So I have been finding some people struggle a little bit with opening up the attachments.","start":87.41499,"end":92.03,"sentiment":"neutral","sentiment_score":-0.05448573362082243},{"text":"So if you like, what I can do is I can give you both a bit of a run through on your super balanced performance, and then you're welcome to review those documents a bit later.","start":92.17,"end":101.05,"sentiment":"neutral","sentiment_score":0.15714625476135147},{"text":"Does that sound okay at all?","start":101.05,"end":102.83,"sentiment":"neutral","sentiment_score":0.07966202000776927}],"sentiment":"neutral","sentiment_score":0.0823282443273526,"channel":0,"num_words":78,"start":81.895,"end":102.83},{"sentences":[{"text":"Yeah.","start":103.415,"end":103.735,"sentiment":"neutral","sentiment_score":0.11733676493167876},{"text":"That's good.","start":103.735,"end":104.375,"sentiment":"neutral","sentiment_score":0.2668122202157974},{"text":"Thanks.","start":104.375,"end":104.79,"sentiment":"positive","sentiment_score":0.3438531160354614}],"sentiment":"neutral","sentiment_score":0.24870358034968376,"channel":1,"num_words":4,"start":103.415,"end":104.79},{"sentences":[{"text":"Yeah.","start":104.835,"end":105.315,"sentiment":"neutral","sentiment_score":0.0942363366484642},{"text":"That's okay.","start":105.315,"end":106.115,"sentiment":"neutral","sentiment_score":0.0714595727622509},{"text":"Don't wanna make it too difficult.","start":106.115,"end":107.815,"sentiment":"neutral","sentiment_score":-0.10073800136645635},{"text":"You guys probably had a big week as well.","start":107.875,"end":110.695,"sentiment":"neutral","sentiment_score":-0.0676798021627797}],"sentiment":"neutral","sentiment_score":-0.054243930305043854,"channel":0,"num_words":18,"start":104.835,"end":110.695},{"sentences":[{"text":"Yes.","start":111.51,"end":112.01,"sentiment":"neutral","sentiment_score":0.0947445183992386}],"sentiment":"neutral","sentiment_score":0.0947445183992386,"channel":1,"num_words":1,"start":111.51,"end":112.01},{"sentences":[{"text":"All good.","start":112.915,"end":113.735,"sentiment":"neutral","sentiment_score":0.1731123849749565},{"text":"So, Robin, I'll give you a bit of an update first.","start":114.035,"end":116.435,"sentiment":"neutral","sentiment_score":0.061789383603767914},{"text":"Now having a look at things, you did do a bit of a withdrawal earlier this year.","start":116.435,"end":120.29,"sentiment":"neutral","sentiment_score":-0.025187459774315357},{"text":"Having a look at things that your balance last year when we sort of caught up to do your annual review, which was late last year there, the balance was about a 150,020.","start":121.23,"end":131.17,"sentiment":"neutral","sentiment_score":0.03768393372548885},{"text":"You did do a bit of a withdrawal earlier this year as well, so that does affect the balance.","start":131.76501,"end":135.76501,"sentiment":"neutral","sentiment_score":-0.08530548665868609}],"sentiment":"neutral","sentiment_score":0.002688862681147506,"channel":0,"num_words":82,"start":112.915,"end":135.76501},{"sentences":[{"text":"But your balance at the moment is about $135,008.66, and your performance has not done too bad.","start":135.76501,"end":144.005,"sentiment":"neutral","sentiment_score":0.19846978717867067},{"text":"So whilst the super, well, while the markets as a whole have been a bit volatile going up and down a lot with what's been happening between The US and the Iran, with that war out there, you've actually come out with a positive 6.26% return at the end of the year, which is great.","start":144.005,"end":160.665,"sentiment":"neutral","sentiment_score":0.23427828936414286},{"text":"And that's, yeah, giving you total earnings in your portfolio of about $10,992.","start":161.385,"end":167.805,"sentiment":"positive","sentiment_score":0.547179999259802},{"text":"So you have made some money in your portfolios after the year, which is good to see.","start":168.42499,"end":172.525,"sentiment":"positive","sentiment_score":0.581093951183207}],"sentiment":"neutral","sentiment_score":0.3259924456623255,"channel":0,"num_words":102,"start":135.76501,"end":172.525},{"sentences":[{"text":"Yeah.","start":174.415,"end":174.735,"sentiment":"neutral","sentiment_score":0.06085996329784393},{"text":"So what","start":174.735,"end":175.135,"sentiment":"neutral","sentiment_score":0.035763734951615334}],"sentiment":"neutral","sentiment_score":0.0441291444003582,"channel":1,"num_words":3,"start":174.415,"end":175.135},{"sentences":[{"text":"Yeah.","start":175.07999,"end":175.57999,"sentiment":"neutral","sentiment_score":0.04528430476784706}],"sentiment":"neutral","sentiment_score":0.04528430476784706,"channel":0,"num_words":1,"start":175.07999,"end":175.57999},{"sentences":[{"text":"did it say if the balance now was 135,000?","start":175.135,"end":179.555,"sentiment":"neutral","sentiment_score":0.015420386878152689}],"sentiment":"neutral","sentiment_score":0.015420386878152689,"channel":1,"num_words":9,"start":175.135,"end":179.555},{"sentences":[{"text":"135,000.","start":179.71999,"end":181.81999,"sentiment":"neutral","sentiment_score":0.01110411249101162},{"text":"Yep.","start":182.35999,"end":182.68,"sentiment":"neutral","sentiment_score":0.013149455189704897},{"text":"Sorry.","start":182.68,"end":183.0,"sentiment":"neutral","sentiment_score":-0.0321301594376564},{"text":"I've got it here.","start":183.0,"end":183.9,"sentiment":"neutral","sentiment_score":-0.06544343382120132},{"text":"My apologies.","start":185.175,"end":185.895,"sentiment":"neutral","sentiment_score":-0.1037079282104969}],"sentiment":"neutral","sentiment_score":-0.05300735371808211,"channel":0,"num_words":9,"start":179.71999,"end":185.895},{"sentences":[{"text":"My computer just had a little bit of a moment.","start":185.895,"end":187.99501,"sentiment":"neutral","sentiment_score":-0.06759051382541656},{"text":"135,866 and 81¢.","start":188.21501,"end":192.875,"sentiment":"neutral","sentiment_score":-0.0020370787824504077}],"sentiment":"neutral","sentiment_score":-0.056664941318255536,"channel":0,"num_words":13,"start":185.895,"end":192.875},{"sentences":[{"text":"Alright.","start":193.67,"end":193.83,"sentiment":"neutral","sentiment_score":0.027247190475463867},{"text":"Okay.","start":193.83,"end":194.33,"sentiment":"neutral","sentiment_score":0.04992976039648056},{"text":"Yep.","start":194.47,"end":194.87001,"sentiment":"neutral","sentiment_score":0.12399231642484664},{"text":"Thanks.","start":194.87001,"end":195.37001,"sentiment":"neutral","sentiment_score":0.16059118509292605}],"sentiment":"neutral","sentiment_score":0.09044011309742928,"channel":1,"num_words":4,"start":193.67,"end":195.37001},{"sentences":[{"text":"Yeah.","start":194.93501,"end":195.43501,"sentiment":"neutral","sentiment_score":0.323819100856781},{"text":"Beautiful.","start":195.895,"end":196.395,"sentiment":"positive","sentiment_score":0.35542353987693787},{"text":"So it is really good to see.","start":197.19,"end":198.62999,"sentiment":"positive","sentiment_score":0.38950748103005545},{"text":"Now I have also had a bit of a look at your portfolio underlying.","start":198.62999,"end":202.65,"sentiment":"neutral","sentiment_score":0.1073241223181997},{"text":"I know last year when we spoke, we were looking at maybe making some alterations to, you know, see where we were tracking.","start":203.11,"end":209.51,"sentiment":"neutral","sentiment_score":0.06816808846981628}],"sentiment":"neutral","sentiment_score":0.14078692946097124,"channel":0,"num_words":46,"start":194.93501,"end":209.51},{"sentences":[{"text":"I also wanted to sort of touch base today to have a bit of a chat about making some changes to both of your portfolios as well because I have, after doing some research, noted some of the investments are underperforming a little bit.","start":209.51,"end":220.965,"sentiment":"neutral","sentiment_score":0.08518449640409513},{"text":"So we wanna make sure that whilst you're not taking too much risk in the market, that, you know, your super is performing at its best as well.","start":220.965,"end":228.68001,"sentiment":"neutral","sentiment_score":0.12817154838038342},{"text":"Okay?","start":228.82,"end":229.32,"sentiment":"neutral","sentiment_score":0.027304550632834435}],"sentiment":"neutral","sentiment_score":0.10087980475429803,"channel":0,"num_words":73,"start":209.51,"end":229.32},{"sentences":[{"text":"Yeah.","start":230.195,"end":230.695,"sentiment":"neutral","sentiment_score":0.01915270835161209}],"sentiment":"neutral","sentiment_score":0.01915270835161209,"channel":1,"num_words":1,"start":230.195,"end":230.695},{"sentences":[{"text":"Frank, to give you a bit of an update there, when we sort of caught up last year, your balance then was $89,841.09.","start":231.14001,"end":239.56001,"sentiment":"neutral","sentiment_score":0.008141502697506676}],"sentiment":"neutral","sentiment_score":0.008141502697506676,"channel":0,"num_words":23,"start":231.14001,"end":239.56001},{"sentences":[{"text":"Yeah.","start":240.355,"end":240.72,"sentiment":"neutral","sentiment_score":-0.005891885608434677}],"sentiment":"neutral","sentiment_score":-0.005891885608434677,"channel":1,"num_words":1,"start":240.355,"end":240.72},{"sentences":[{"text":"Speaking now, your balance is 89,370 and 82¢.","start":240.505,"end":245.785,"sentiment":"neutral","sentiment_score":-0.0327808302161949},{"text":"So it has just gone down a little bit there, and that is because of the ups and downs the market is seeing.","start":245.785,"end":251.405,"sentiment":"neutral","sentiment_score":-0.11387921869754791},{"text":"It's mostly just with the market ups and downs.","start":252.78,"end":255.5,"sentiment":"neutral","sentiment_score":-0.10112024264203177},{"text":"But when we sort of look at performance wise, you still have had a positive return inside your portfolio.","start":255.5,"end":261.68,"sentiment":"positive","sentiment_score":0.40751354866906214},{"text":"So you still come out with a positive 2% return net of fees, and it does mean your portfolio has made about $3,951 there.","start":262.06,"end":271.365,"sentiment":"positive","sentiment_score":0.5492896338303884}],"sentiment":"neutral","sentiment_score":0.20935290989397867,"channel":0,"num_words":83,"start":240.505,"end":271.365},{"sentences":[{"text":"It's just that those market fluctuations have affected that return.","start":271.425,"end":274.805,"sentiment":"neutral","sentiment_score":-0.13312185741961002},{"text":"And at the moment, the balance is down slightly because of the ongoing the ongoing ups and downs the market is seeing.","start":275.185,"end":282.225,"sentiment":"neutral","sentiment_score":-0.3029554415155541},{"text":"But, realistically, I mean, if I look back to this time last year, your balance then was 86,000.","start":282.225,"end":288.32,"sentiment":"neutral","sentiment_score":-0.009094796143472195},{"text":"So it is still steadily increasing.","start":288.54,"end":290.8,"sentiment":"neutral","sentiment_score":0.08221677194039027},{"text":"It's just from when we spoke in August to now, there's a slight drop in in your balance.","start":290.86,"end":295.26,"sentiment":"neutral","sentiment_score":-0.24046708395083746}],"sentiment":"neutral","sentiment_score":-0.16209529050802057,"channel":0,"num_words":74,"start":271.425,"end":295.26},{"sentences":[{"text":"That's all.","start":295.26,"end":295.9,"sentiment":"neutral","sentiment_score":-0.22635796666145325},{"text":"And it's only of","start":295.9,"end":296.62,"sentiment":"neutral","sentiment_score":-0.11430738680064678}],"sentiment":"neutral","sentiment_score":-0.15165758008758226,"channel":0,"num_words":6,"start":295.26,"end":296.62},{"sentences":[{"text":"Yep.","start":296.595,"end":297.095,"sentiment":"neutral","sentiment_score":-0.030702082440257072}],"sentiment":"neutral","sentiment_score":-0.030702082440257072,"channel":1,"num_words":1,"start":296.595,"end":297.095},{"sentences":[{"text":"a couple of $100 there.","start":296.62,"end":298.06,"sentiment":"neutral","sentiment_score":-0.07405561804771424},{"text":"So I do expect to come back and recover a little bit moving forward.","start":298.06,"end":301.88498,"sentiment":"neutral","sentiment_score":0.27275772392749786},{"text":"Okay.","start":301.94498,"end":302.44498,"sentiment":"positive","sentiment_score":0.3442641496658325},{"text":"All good.","start":305.465,"end":306.365,"sentiment":"positive","sentiment_score":0.5362176150083542},{"text":"The other thing I sort of wanted to talk to you both about, as I kinda mentioned before, I've looked at both of your super funds.","start":307.38498,"end":313.485,"sentiment":"neutral","sentiment_score":0.0031617611933213016}],"sentiment":"neutral","sentiment_score":0.10306740032198529,"channel":0,"num_words":48,"start":296.62,"end":313.485},{"sentences":[{"text":"You both do have and have been recommended in the past the Banda Long Australian Equities investment.","start":314.04,"end":319.41998,"sentiment":"neutral","sentiment_score":0.000025206081130925348},{"text":"When you are looking at the internal rate of return report, that's probably one of the investments that is underperforming in both of your supers at the moment.","start":320.12,"end":327.58,"sentiment":"neutral","sentiment_score":-0.21365415677428246},{"text":"Now when we kind of did when you did get the last advice document a couple of years back, and this was recommended in there, the main objective to having this investment in your super is that the investment manager within that spend along Australian Equities Fund, they are essentially trying to pick the market, time the market, and buy and sell investments that, you know, basically time when they can get into the market and buy investments that are low that they see additional growth for.","start":328.055,"end":357.225,"sentiment":"neutral","sentiment_score":-0.02902884323192739},{"text":"And this investment manager is supposed to be trying to trade against the market and and try to make sure that the fund is outperforming the market to try to get a much greater return.","start":357.445,"end":367.385,"sentiment":"neutral","sentiment_score":-0.03427628544824464},{"text":"When I sort of had a look at how they're performing and what's been going on, over the last year, Banda Long has not been able to do that, and I don't know if you sort of had a look at that investment over the past few years.","start":368.0,"end":378.63998,"sentiment":"neutral","sentiment_score":-0.20985218354811272}],"sentiment":"neutral","sentiment_score":-0.09199986999291321,"channel":0,"num_words":215,"start":314.04,"end":378.63998},{"sentences":[{"text":"But from COVID onwards, they have had a bit of up and downs.","start":378.63998,"end":382.08,"sentiment":"neutral","sentiment_score":-0.129257183521986},{"text":"They've had some years which have been really great and other years which have struggled heavily.","start":382.08,"end":386.675,"sentiment":"neutral","sentiment_score":-0.1505806534551084},{"text":"With the most recent struggles they've had, I've had a bit of a look, and I don't believe they're a good investment any longer.","start":387.615,"end":394.595,"sentiment":"neutral","sentiment_score":-0.30106639737884205},{"text":"I wanted to sort of maybe look at taking that out there for you, replacing it with something else.","start":395.37003,"end":400.35,"sentiment":"neutral","sentiment_score":-0.019180468234576677},{"text":"I've actually been having a look, and I wanted to get both of your thoughts on this.","start":400.65002,"end":404.49002,"sentiment":"neutral","sentiment_score":0.09213578394230675}],"sentiment":"neutral","sentiment_score":-0.11363312300671352,"channel":0,"num_words":89,"start":378.63998,"end":404.49002},{"sentences":[{"text":"So because that investment is more of an actively managed investment in your fund, they normally hold between 15 to 25 different investments.","start":404.49002,"end":412.98502,"sentiment":"neutral","sentiment_score":0.07410888211882632},{"text":"If you wanted to, I have a couple of options which might actually be a bit cheaper in investment fees.","start":413.605,"end":419.14502,"sentiment":"neutral","sentiment_score":0.14788914658129215},{"text":"Does give you greater diversification.","start":419.765,"end":421.30502,"sentiment":"neutral","sentiment_score":0.25135578513145446},{"text":"Instead of having, you know, 15 or 20 investors in the fund, have about 200.","start":426.04,"end":430.12,"sentiment":"neutral","sentiment_score":0.0924333003660043},{"text":"So it gives you greater diversification and might be a bit cheaper in administration fees and investment fees.","start":430.12,"end":436.535,"sentiment":"neutral","sentiment_score":0.1894960010217296}],"sentiment":"neutral","sentiment_score":0.13230239098638663,"channel":0,"num_words":81,"start":404.49002,"end":436.535},{"sentences":[{"text":"Would you like me to look at a cheaper investment for you, or do you have any questions about that?","start":436.535,"end":442.07498,"sentiment":"neutral","sentiment_score":0.06966128703206778}],"sentiment":"neutral","sentiment_score":0.06966128703206778,"channel":0,"num_words":20,"start":436.535,"end":442.07498},{"sentences":[{"text":"We don't know too much about it.","start":444.74002,"end":446.42,"sentiment":"neutral","sentiment_score":-0.0747967202748571},{"text":"So what","start":446.42,"end":447.22,"sentiment":"neutral","sentiment_score":-0.008365649729967117}],"sentiment":"neutral","sentiment_score":-0.06003426015377045,"channel":1,"num_words":9,"start":444.74002,"end":447.22},{"sentences":[{"text":"Yeah.","start":447.27002,"end":447.77002,"sentiment":"neutral","sentiment_score":0.01082739233970642}],"sentiment":"neutral","sentiment_score":0.01082739233970642,"channel":0,"num_words":1,"start":447.27002,"end":447.77002},{"sentences":[{"text":"we'll just whatever you","start":447.38,"end":449.96002,"sentiment":"neutral","sentiment_score":0.013841561041772366}],"sentiment":"neutral","sentiment_score":0.013841561041772366,"channel":1,"num_words":4,"start":447.38,"end":449.96002},{"sentences":[{"text":"Yeah.","start":450.47,"end":450.97,"sentiment":"neutral","sentiment_score":0.028271012008190155}],"sentiment":"neutral","sentiment_score":0.028271012008190155,"channel":0,"num_words":1,"start":450.47,"end":450.97},{"sentences":[{"text":"really think.","start":450.58002,"end":451.40002,"sentiment":"neutral","sentiment_score":0.03715620003640652}],"sentiment":"neutral","sentiment_score":0.03715620003640652,"channel":1,"num_words":2,"start":450.58002,"end":451.40002},{"sentences":[{"text":"Yep.","start":452.23,"end":452.55002,"sentiment":"neutral","sentiment_score":0.09344892203807832},{"text":"Did you want me to sort of try and lower the cost of maybe investment fees for you so that you're not paying as much in investment fees for investment?","start":452.55002,"end":459.77002,"sentiment":"neutral","sentiment_score":0.04876248762011528}],"sentiment":"neutral","sentiment_score":0.0502039855045657,"channel":0,"num_words":31,"start":452.23,"end":459.77002},{"sentences":[{"text":"As long as you think the investments are good.","start":462.295,"end":464.875,"sentiment":"neutral","sentiment_score":0.14442012541823918}],"sentiment":"neutral","sentiment_score":0.14442012541823918,"channel":1,"num_words":9,"start":462.295,"end":464.875},{"sentences":[{"text":"Yeah.","start":465.385,"end":465.865,"sentiment":"neutral","sentiment_score":0.15982158482074738},{"text":"Okay.","start":465.865,"end":466.365,"sentiment":"neutral","sentiment_score":0.30278274416923523},{"text":"Beautiful.","start":467.385,"end":467.885,"sentiment":"positive","sentiment_score":0.5538927316665649},{"text":"I've had a bit of a look.","start":468.185,"end":469.225,"sentiment":"neutral","sentiment_score":0.2509413723434721},{"text":"There's a few different options that work really well.","start":469.225,"end":471.725,"sentiment":"positive","sentiment_score":0.3473828567398919}],"sentiment":"neutral","sentiment_score":0.31050170409051997,"channel":0,"num_words":19,"start":465.385,"end":471.725},{"sentences":[{"text":"One of the things that I have sort of been finding that a lot of my older clients are looking to do is, a, to save a little bit of money and fees, which is important, but also have investments that have been working a little bit more.","start":471.785,"end":483.61,"sentiment":"neutral","sentiment_score":0.19457604953398308},{"text":"But also with what's been happening in the markets globally at the moment, maybe creating greater diversification and trying to lower risk a little bit more.","start":483.99,"end":492.555,"sentiment":"neutral","sentiment_score":0.09377099007654649},{"text":"Is that something you're wanting me to sort of look at and focus on?","start":492.555,"end":495.935,"sentiment":"neutral","sentiment_score":0.06404525307672364}],"sentiment":"neutral","sentiment_score":0.14402647343972189,"channel":0,"num_words":88,"start":471.785,"end":495.935},{"sentences":[{"text":"Yes.","start":496.665,"end":497.165,"sentiment":"neutral","sentiment_score":0.12416641414165495}],"sentiment":"neutral","sentiment_score":0.12416641414165495,"channel":1,"num_words":1,"start":496.665,"end":497.165},{"sentences":[{"text":"Yeah.","start":497.835,"end":498.315,"sentiment":"neutral","sentiment_score":0.1442093849182129},{"text":"Yep.","start":498.315,"end":498.795,"sentiment":"neutral","sentiment_score":0.20584678649902344},{"text":"Absolutely.","start":498.795,"end":499.295,"sentiment":"positive","sentiment_score":0.5453212261199951},{"text":"This level is beautiful.","start":500.555,"end":502.095,"sentiment":"positive","sentiment_score":0.734969288110733},{"text":"I have a couple of options for investments to replace Bannalong.","start":502.555,"end":506.76,"sentiment":"neutral","sentiment_score":0.23532778905196625}],"sentiment":"positive","sentiment_score":0.35688112386398846,"channel":0,"num_words":18,"start":497.835,"end":506.76},{"sentences":[{"text":"I just wanted to sort of note that this has been underperforming a little bit, so we it's time to remove that for you and see if we can update both of your portfolios.","start":507.54,"end":515.32,"sentiment":"neutral","sentiment_score":-0.23849589180420427},{"text":"You both do have quite different portfolios there.","start":516.26,"end":519.24,"sentiment":"neutral","sentiment_score":-0.1506347805261612},{"text":"And I just wanted to sort of gauge where we're at.","start":519.775,"end":521.935,"sentiment":"neutral","sentiment_score":-0.05905755710872737},{"text":"Now we did a risk profile when we spoke in August last year.","start":521.935,"end":527.075,"sentiment":"neutral","sentiment_score":-0.04777548017983253},{"text":"And having a look at things, the current risk profiles, frankly, you're more in an older defensive portfolio.","start":527.855,"end":534.035,"sentiment":"neutral","sentiment_score":-0.06207993740422858}],"sentiment":"neutral","sentiment_score":-0.13931061677812112,"channel":0,"num_words":84,"start":507.54,"end":534.035},{"sentences":[{"text":"So that's essentially","start":534.335,"end":535.66003,"sentiment":"neutral","sentiment_score":0.0038251768176754317}],"sentiment":"neutral","sentiment_score":0.0038251768176754317,"channel":0,"num_words":3,"start":534.335,"end":535.66003},{"sentences":[{"text":"Yeah.","start":535.44995,"end":535.94995,"sentiment":"neutral","sentiment_score":0.04770200699567795}],"sentiment":"neutral","sentiment_score":0.04770200699567795,"channel":1,"num_words":1,"start":535.44995,"end":535.94995},{"sentences":[{"text":"meant to be a little bit more lower risk, more income producing.","start":535.66003,"end":539.2,"sentiment":"neutral","sentiment_score":0.10828249156475067},{"text":"We do expect lower returns from these portfolios, but it's more about giving your super longevity, holding on to your capital as long as possible.","start":539.26,"end":547.76,"sentiment":"neutral","sentiment_score":0.28393228828907013},{"text":"Do you when we kinda did that risk profile for you both, you both came out as more of a balanced investor.","start":549.135,"end":554.67505,"sentiment":"neutral","sentiment_score":0.16046174107627434},{"text":"So that essentially sees about 60% of your super invested in areas of growth, like international shares, Australian shares, gold and silver, and also, you know, property, and then the other sort of 40% in lower risk defensive investments like cash, bonds, and fixed interest.","start":554.895,"end":575.3,"sentiment":"neutral","sentiment_score":0.13559428312712246},{"text":"This investment normally suits someone who has about three years before wanting to access their super whilst, Frank, I know you're already retired.","start":576.32,"end":583.375,"sentiment":"neutral","sentiment_score":-0.017391778771644054}],"sentiment":"neutral","sentiment_score":0.1388156475484606,"channel":0,"num_words":127,"start":535.66003,"end":583.375},{"sentences":[{"text":"Robin, do you feel like you're wanting to sort of stop working in the next couple of years, or what's your aim for?","start":584.395,"end":590.555,"sentiment":"neutral","sentiment_score":-0.22991518708674805},{"text":"How how much longer you wanna work?","start":590.555,"end":592.73505,"sentiment":"neutral","sentiment_score":-0.18816677800246648}],"sentiment":"neutral","sentiment_score":-0.220173891633749,"channel":0,"num_words":30,"start":584.395,"end":592.73505},{"sentences":[{"text":"I only work two days a week, and I'd love to give it up.","start":594.33,"end":597.85,"sentiment":"neutral","sentiment_score":-0.2821055714573179},{"text":"But until I can get a pension, there's not much I can do about it.","start":597.85,"end":601.565,"sentiment":"negative","sentiment_score":-0.3522308588027954}],"sentiment":"neutral","sentiment_score":-0.31837727180842695,"channel":1,"num_words":29,"start":594.33,"end":601.565},{"sentences":[{"text":"Okay.","start":602.07,"end":602.57,"sentiment":"neutral","sentiment_score":-0.08958720415830612},{"text":"No.","start":602.79,"end":603.02997,"sentiment":"neutral","sentiment_score":-0.15781424939632416},{"text":"That's alright.","start":603.02997,"end":603.67,"sentiment":"neutral","sentiment_score":-0.07426434382796288},{"text":"So","start":603.67,"end":603.82996,"sentiment":"neutral","sentiment_score":0.019023627042770382}],"sentiment":"neutral","sentiment_score":-0.07538130283355712,"channel":0,"num_words":5,"start":602.07,"end":603.82996},{"sentences":[{"text":"But","start":603.705,"end":603.865,"sentiment":"neutral","sentiment_score":0.03446651250123978}],"sentiment":"neutral","sentiment_score":0.03446651250123978,"channel":1,"num_words":1,"start":603.705,"end":603.865},{"sentences":[{"text":"you're","start":603.82996,"end":603.99,"sentiment":"neutral","sentiment_score":0.07670190185308456}],"sentiment":"neutral","sentiment_score":0.07670190185308456,"channel":0,"num_words":1,"start":603.82996,"end":603.99},{"sentences":[{"text":"that's","start":603.865,"end":604.365,"sentiment":"neutral","sentiment_score":0.08172686398029327}],"sentiment":"neutral","sentiment_score":0.08172686398029327,"channel":1,"num_words":1,"start":603.865,"end":604.365},{"sentences":[{"text":"happy to continue that for a bit longer.","start":603.99,"end":605.93,"sentiment":"neutral","sentiment_score":0.013883792795240879}],"sentiment":"neutral","sentiment_score":0.013883792795240879,"channel":0,"num_words":8,"start":603.99,"end":605.93},{"sentences":[{"text":"so that's about fifteen months, and then I'll","start":606.42505,"end":609.075,"sentiment":"neutral","sentiment_score":0.020728409377625212}],"sentiment":"neutral","sentiment_score":0.020728409377625212,"channel":1,"num_words":8,"start":606.42505,"end":609.075},{"sentences":[{"text":"Yeah.","start":609.335,"end":609.735,"sentiment":"neutral","sentiment_score":0.01802531816065311},{"text":"Yeah.","start":609.735,"end":609.97504,"sentiment":"neutral","sentiment_score":0.02025453746318817},{"text":"Because you've only just turned 65.","start":609.97504,"end":612.075,"sentiment":"neutral","sentiment_score":0.008652136661112309}],"sentiment":"neutral","sentiment_score":0.011274084448814392,"channel":0,"num_words":8,"start":609.335,"end":612.075},{"sentences":[{"text":"Yeah.","start":613.71,"end":614.21,"sentiment":"neutral","sentiment_score":0.02524554543197155},{"text":"Close to 66.","start":614.91,"end":616.37,"sentiment":"neutral","sentiment_score":0.022175146887699764}],"sentiment":"neutral","sentiment_score":0.02294274652376771,"channel":1,"num_words":4,"start":613.71,"end":616.37},{"sentences":[{"text":"Yeah.","start":617.09503,"end":617.59503,"sentiment":"neutral","sentiment_score":0.04080386459827423},{"text":"No.","start":619.61,"end":619.93,"sentiment":"neutral","sentiment_score":0.08794455975294113},{"text":"Excellent.","start":619.93,"end":620.41,"sentiment":"neutral","sentiment_score":0.312458872795105},{"text":"So looking at when you're able to access age pension and then kind of give up work completely and retire, not a problem at all.","start":620.41,"end":627.55,"sentiment":"neutral","sentiment_score":0.14484328359365464},{"text":"And, Frank, you're getting the age pension at the moment.","start":628.17,"end":631.07,"sentiment":"neutral","sentiment_score":0.1487812139093876}],"sentiment":"neutral","sentiment_score":0.14605530331793584,"channel":0,"num_words":38,"start":617.09503,"end":631.07},{"sentences":[{"text":"You're still reporting every fortnight based on Robin's income.","start":631.935,"end":635.29504,"sentiment":"neutral","sentiment_score":0.15032832158936393},{"text":"Is that right?","start":635.29504,"end":636.115,"sentiment":"neutral","sentiment_score":0.1276404062906901}],"sentiment":"neutral","sentiment_score":0.1446563427646955,"channel":0,"num_words":12,"start":631.935,"end":636.115},{"sentences":[{"text":"Yeah.","start":637.425,"end":637.905,"sentiment":"neutral","sentiment_score":0.0785132646560669},{"text":"And yeah.","start":637.905,"end":638.625,"sentiment":"neutral","sentiment_score":0.030603311490267515},{"text":"Well, I'm doing it, and they take money off him because I earn money.","start":638.625,"end":642.625,"sentiment":"neutral","sentiment_score":-0.058527875425560136},{"text":"So","start":642.625,"end":643.125,"sentiment":"neutral","sentiment_score":0.07692241668701172}],"sentiment":"neutral","sentiment_score":-0.03348599731301268,"channel":1,"num_words":18,"start":637.425,"end":643.125},{"sentences":[{"text":"Yeah.","start":643.615,"end":644.115,"sentiment":"neutral","sentiment_score":0.1784157752990723},{"text":"Yeah.","start":644.175,"end":644.675,"sentiment":"neutral","sentiment_score":0.24864394962787628},{"text":"That's okay.","start":645.26996,"end":646.08997,"sentiment":"positive","sentiment_score":0.37882012128829956},{"text":"You're not wanting to sort of drop hours to maximize the age pension.","start":646.31,"end":650.23,"sentiment":"neutral","sentiment_score":-0.13203349709510803},{"text":"You're sort of happy with the way it's working at the moment?","start":650.23,"end":652.64996,"sentiment":"neutral","sentiment_score":0.1929687655841311}],"sentiment":"neutral","sentiment_score":0.06151343766471435,"channel":0,"num_words":29,"start":643.615,"end":652.64996},{"sentences":[{"text":"Well, I've worked it out.","start":654.6,"end":656.06,"sentiment":"neutral","sentiment_score":0.25619890093803405},{"text":"I mean, we can sorta the way it is, I'm still better off than not working.","start":656.2,"end":665.875,"sentiment":"neutral","sentiment_score":0.25832828879356384},{"text":"So","start":666.175,"end":666.675,"sentiment":"neutral","sentiment_score":0.2065548598766327}],"sentiment":"neutral","sentiment_score":0.25549099933017383,"channel":1,"num_words":22,"start":654.6,"end":666.675},{"sentences":[{"text":"Okay.","start":666.565,"end":667.065,"sentiment":"neutral","sentiment_score":0.2376699149608612},{"text":"Yep.","start":667.365,"end":667.765,"sentiment":"neutral","sentiment_score":0.25528329610824585},{"text":"That's okay.","start":667.765,"end":668.585,"sentiment":"positive","sentiment_score":0.3643825948238373},{"text":"And Frank, do you wanna start do you need to start maybe accessing a little bit of money out of your super, or are you wanting to hold off on that for a bit longer?","start":670.0,"end":678.1,"sentiment":"neutral","sentiment_score":0.0314173516950437}],"sentiment":"neutral","sentiment_score":0.059521172052392594,"channel":0,"num_words":39,"start":666.565,"end":678.1},{"sentences":[{"text":"Hold off if we can and just","start":680.31,"end":682.605,"sentiment":"neutral","sentiment_score":-0.011579003451125962}],"sentiment":"neutral","sentiment_score":-0.011579003451125962,"channel":1,"num_words":7,"start":680.31,"end":682.605},{"sentences":[{"text":"Yep.","start":682.655,"end":683.155,"sentiment":"neutral","sentiment_score":0.016293980181217194}],"sentiment":"neutral","sentiment_score":0.016293980181217194,"channel":0,"num_words":1,"start":682.655,"end":683.155},{"sentences":[{"text":"get some out if we need it would be","start":682.685,"end":684.845,"sentiment":"neutral","sentiment_score":0.019168053650193743}],"sentiment":"neutral","sentiment_score":0.019168053650193743,"channel":1,"num_words":9,"start":682.685,"end":684.845},{"sentences":[{"text":"Yeah.","start":684.815,"end":685.315,"sentiment":"neutral","sentiment_score":0.0748499184846878}],"sentiment":"neutral","sentiment_score":0.0748499184846878,"channel":0,"num_words":1,"start":684.815,"end":685.315},{"sentences":[{"text":"the best way to go at the moment.","start":684.845,"end":686.545,"sentiment":"neutral","sentiment_score":0.10560462018474936}],"sentiment":"neutral","sentiment_score":0.10560462018474936,"channel":1,"num_words":8,"start":684.845,"end":686.545},{"sentences":[{"text":"Yeah.","start":687.135,"end":687.455,"sentiment":"neutral","sentiment_score":0.18019258975982663},{"text":"That's okay.","start":687.455,"end":688.17505,"sentiment":"neutral","sentiment_score":0.2338116466999054},{"text":"Not a problem.","start":688.17505,"end":688.815,"sentiment":"neutral","sentiment_score":0.30120571454366046},{"text":"I just access whenever you do need.","start":688.815,"end":690.73505,"sentiment":"neutral","sentiment_score":0.23752280005386897},{"text":"Do you think you might need a little, a withdrawal in the next couple of months at all that I might be able to factor into the advice for you?","start":690.73505,"end":698.22003,"sentiment":"neutral","sentiment_score":0.10521891365448634}],"sentiment":"neutral","sentiment_score":0.14815488457679749,"channel":0,"num_words":43,"start":687.135,"end":698.22003},{"sentences":[{"text":"I don't think so.","start":700.66003,"end":701.62,"sentiment":"neutral","sentiment_score":-0.1391833797097206},{"text":"Not at the moment.","start":701.62,"end":702.66003,"sentiment":"neutral","sentiment_score":-0.2403137981891632},{"text":"Not unless","start":702.66003,"end":703.4,"sentiment":"neutral","sentiment_score":-0.12341462075710297}],"sentiment":"neutral","sentiment_score":-0.17648179531097413,"channel":1,"num_words":10,"start":700.66003,"end":703.4},{"sentences":[{"text":"No.","start":703.32,"end":703.82,"sentiment":"neutral","sentiment_score":-0.14861667156219482}],"sentiment":"neutral","sentiment_score":-0.14861667156219482,"channel":0,"num_words":1,"start":703.32,"end":703.82},{"sentences":[{"text":"I go away on holidays and leave him at home.","start":704.42004,"end":707.0,"sentiment":"neutral","sentiment_score":-0.18002169877290725},{"text":"Sounds good.","start":711.255,"end":713.355,"sentiment":"neutral","sentiment_score":0.3299000412225723}],"sentiment":"neutral","sentiment_score":-0.09503474210699399,"channel":1,"num_words":12,"start":704.42004,"end":713.355},{"sentences":[{"text":"It does.","start":713.97504,"end":714.715,"sentiment":"neutral","sentiment_score":0.20703333616256714},{"text":"It does.","start":714.775,"end":715.49506,"sentiment":"neutral","sentiment_score":0.14877256751060486},{"text":"I don't know, Frank.","start":715.49506,"end":716.375,"sentiment":"neutral","sentiment_score":-0.040368721820414066},{"text":"Do you wanna go on holidays?","start":716.375,"end":717.67505,"sentiment":"neutral","sentiment_score":-0.042828163132071495}],"sentiment":"neutral","sentiment_score":0.02094056723373277,"channel":0,"num_words":14,"start":713.97504,"end":717.67505},{"sentences":[{"text":"Well, we had a just had a big one.","start":718.695,"end":721.03503,"sentiment":"neutral","sentiment_score":-0.012415356520149443}],"sentiment":"neutral","sentiment_score":-0.012415356520149443,"channel":1,"num_words":9,"start":718.695,"end":721.03503},{"sentences":[{"text":"You did.","start":721.48004,"end":722.04004,"sentiment":"neutral","sentiment_score":0.050413453951478004},{"text":"You did.","start":722.04004,"end":722.44,"sentiment":"neutral","sentiment_score":0.049151573330163956},{"text":"And that was I remember that's the reason you took the funds out for that last withdrawal.","start":722.44,"end":726.06,"sentiment":"neutral","sentiment_score":-0.0009368430576561131},{"text":"And how was that?","start":726.28,"end":727.82,"sentiment":"neutral","sentiment_score":0.019338225480169058}],"sentiment":"neutral","sentiment_score":0.01042226498015225,"channel":0,"num_words":25,"start":721.48004,"end":727.82},{"sentences":[{"text":"Great.","start":728.78,"end":729.28,"sentiment":"neutral","sentiment_score":0.16706566512584686},{"text":"Not long enough.","start":729.34,"end":730.4,"sentiment":"neutral","sentiment_score":-0.017615973949432373},{"text":"Four","start":730.62006,"end":730.78,"sentiment":"neutral","sentiment_score":0.0005201660096645355}],"sentiment":"neutral","sentiment_score":0.022947581857442854,"channel":1,"num_words":5,"start":728.78,"end":730.78},{"sentences":[{"text":"Yeah.","start":730.76,"end":731.16003,"sentiment":"neutral","sentiment_score":0.005781233310699463}],"sentiment":"neutral","sentiment_score":0.005781233310699463,"channel":0,"num_words":1,"start":730.76,"end":731.16003},{"sentences":[{"text":"and a half","start":730.78,"end":731.42004,"sentiment":"neutral","sentiment_score":0.004054054617881775}],"sentiment":"neutral","sentiment_score":0.004054054617881775,"channel":1,"num_words":3,"start":730.78,"end":731.42004},{"sentences":[{"text":"They go","start":731.16003,"end":731.88,"sentiment":"neutral","sentiment_score":-0.012306793592870235}],"sentiment":"neutral","sentiment_score":-0.012306793592870235,"channel":0,"num_words":2,"start":731.16003,"end":731.88},{"sentences":[{"text":"weeks, but,","start":731.42004,"end":732.32,"sentiment":"neutral","sentiment_score":-0.007760344073176383}],"sentiment":"neutral","sentiment_score":-0.007760344073176383,"channel":1,"num_words":2,"start":731.42004,"end":732.32},{"sentences":[{"text":"fast.","start":731.88,"end":732.38,"sentiment":"neutral","sentiment_score":0.011222412809729576}],"sentiment":"neutral","sentiment_score":0.011222412809729576,"channel":0,"num_words":1,"start":731.88,"end":732.38},{"sentences":[{"text":"yeah,","start":732.46,"end":732.96,"sentiment":"neutral","sentiment_score":0.008841987699270248}],"sentiment":"neutral","sentiment_score":0.008841987699270248,"channel":1,"num_words":1,"start":732.46,"end":732.96},{"sentences":[{"text":"Yeah.","start":732.92004,"end":733.42004,"sentiment":"neutral","sentiment_score":-0.036219630390405655}],"sentiment":"neutral","sentiment_score":-0.036219630390405655,"channel":0,"num_words":1,"start":732.92004,"end":733.42004},{"sentences":[{"text":"wish it was longer.","start":733.58,"end":734.64,"sentiment":"neutral","sentiment_score":-0.09065771196037531}],"sentiment":"neutral","sentiment_score":-0.09065771196037531,"channel":1,"num_words":4,"start":733.58,"end":734.64},{"sentences":[{"text":"Yeah.","start":735.335,"end":735.835,"sentiment":"neutral","sentiment_score":0.019291376695036888},{"text":"No.","start":735.895,"end":736.295,"sentiment":"neutral","sentiment_score":-0.005698107182979584}],"sentiment":"neutral","sentiment_score":0.006796634756028652,"channel":0,"num_words":2,"start":735.335,"end":736.295},{"sentences":[{"text":"But, anyway.","start":735.9,"end":736.56006,"sentiment":"neutral","sentiment_score":0.031566670164465904}],"sentiment":"neutral","sentiment_score":0.031566670164465904,"channel":1,"num_words":2,"start":735.9,"end":736.56006},{"sentences":[{"text":"Not a problem.","start":736.295,"end":737.035,"sentiment":"neutral","sentiment_score":0.18585969507694244},{"text":"Not a problem at all.","start":737.495,"end":738.695,"sentiment":"neutral","sentiment_score":0.222797167301178},{"text":"So, essentially, with this advice piece, I'll just sort of look at maybe restructuring the investments, look at the cost, any tax consequences your super needs to factor in, keeping you both in the super, you know, accumulation kind of area at the moment, not withdrawing any additional funds currently.","start":738.695,"end":755.92,"sentiment":"neutral","sentiment_score":0.12930475667119026},{"text":"And just sort of looking at longevity wise, what this might mean.","start":758.3,"end":762.31995,"sentiment":"neutral","sentiment_score":0.1045746710151434},{"text":"Did you want me to sort of look at it in the next fifteen months and maybe factor in, you know, the expected age pension entitlement for you both, Robin, when you do get to that age to see what that might look like?","start":762.38,"end":775.63495,"sentiment":"neutral","sentiment_score":0.036259706343778154}],"sentiment":"neutral","sentiment_score":0.09637829725091394,"channel":0,"num_words":114,"start":736.295,"end":775.63495},{"sentences":[{"text":"Yeah.","start":776.835,"end":777.335,"sentiment":"neutral","sentiment_score":0.12349767237901688},{"text":"If if you can.","start":777.395,"end":778.595,"sentiment":"neutral","sentiment_score":0.19540229067206383},{"text":"Thanks.","start":778.595,"end":779.095,"sentiment":"positive","sentiment_score":0.5606818199157715}],"sentiment":"neutral","sentiment_score":0.24429810916384062,"channel":1,"num_words":6,"start":776.835,"end":779.095},{"sentences":[{"text":"Yeah.","start":779.55,"end":779.79,"sentiment":"neutral","sentiment_score":0.330249547958374},{"text":"That's okay.","start":779.79,"end":780.51,"sentiment":"positive","sentiment_score":0.3581962287425995}],"sentiment":"positive","sentiment_score":0.348880668481191,"channel":0,"num_words":3,"start":779.55,"end":780.51},{"sentences":[{"text":"Yeah.","start":780.115,"end":780.515,"sentiment":"neutral","sentiment_score":0.12566784024238586}],"sentiment":"neutral","sentiment_score":0.12566784024238586,"channel":1,"num_words":1,"start":780.115,"end":780.515},{"sentences":[{"text":"Not","start":780.51,"end":780.67,"sentiment":"neutral","sentiment_score":-0.07963798195123672}],"sentiment":"neutral","sentiment_score":-0.07963798195123672,"channel":0,"num_words":1,"start":780.51,"end":780.67},{"sentences":[{"text":"And,","start":780.515,"end":780.755,"sentiment":"neutral","sentiment_score":-0.0971120297908783}],"sentiment":"neutral","sentiment_score":-0.0971120297908783,"channel":1,"num_words":1,"start":780.515,"end":780.755},{"sentences":[{"text":"a","start":780.67,"end":780.91,"sentiment":"neutral","sentiment_score":-0.16381330788135529}],"sentiment":"neutral","sentiment_score":-0.16381330788135529,"channel":0,"num_words":1,"start":780.67,"end":780.91},{"sentences":[{"text":"I mean,","start":780.755,"end":781.335,"sentiment":"neutral","sentiment_score":-0.17411448806524277}],"sentiment":"neutral","sentiment_score":-0.17411448806524277,"channel":1,"num_words":2,"start":780.755,"end":781.335},{"sentences":[{"text":"problem.","start":780.91,"end":781.41,"sentiment":"neutral","sentiment_score":-0.18354323506355288}],"sentiment":"neutral","sentiment_score":-0.18354323506355288,"channel":0,"num_words":1,"start":780.91,"end":781.41},{"sentences":[{"text":"if our super can be, yeah, not as, I mean, it's not very risky at the moment, but a little bit less risky as well,","start":781.395,"end":792.18,"sentiment":"neutral","sentiment_score":-0.20194626212120056}],"sentiment":"neutral","sentiment_score":-0.20194626212120056,"channel":1,"num_words":25,"start":781.395,"end":792.18},{"sentences":[{"text":"Okay.","start":793.085,"end":793.585,"sentiment":"neutral","sentiment_score":-0.021224722266197205}],"sentiment":"neutral","sentiment_score":-0.021224722266197205,"channel":0,"num_words":1,"start":793.085,"end":793.585},{"sentences":[{"text":"maybe.","start":793.19995,"end":793.69995,"sentiment":"neutral","sentiment_score":-0.04125514626502991}],"sentiment":"neutral","sentiment_score":-0.04125514626502991,"channel":1,"num_words":1,"start":793.19995,"end":793.69995},{"sentences":[{"text":"No.","start":793.72504,"end":793.885,"sentiment":"neutral","sentiment_score":-0.11557608842849731},{"text":"That's yeah.","start":793.885,"end":795.085,"sentiment":"neutral","sentiment_score":-0.059907156974077225},{"text":"No.","start":795.085,"end":795.325,"sentiment":"neutral","sentiment_score":-0.07606081664562225},{"text":"That's okay.","start":795.325,"end":796.145,"sentiment":"neutral","sentiment_score":0.07191868498921394},{"text":"So having a look at I mean, when we sort of looked at that last time and we in August, we looked at the balanced portfolio, which sorta has that sixty forty split.","start":796.84503,"end":806.89,"sentiment":"neutral","sentiment_score":0.05970921446428155}],"sentiment":"neutral","sentiment_score":0.046225390468652434,"channel":0,"num_words":39,"start":793.72504,"end":806.89},{"sentences":[{"text":"Do you want to maybe have more defensive investments rather than that 60% growth, or would you rather see a little bit more growth?","start":806.89,"end":815.93,"sentiment":"neutral","sentiment_score":0.02163153576354186},{"text":"What's","start":815.93,"end":816.43,"sentiment":"neutral","sentiment_score":0.2541884779930115}],"sentiment":"neutral","sentiment_score":0.030933813452720643,"channel":0,"num_words":25,"start":806.89,"end":816.43},{"sentences":[{"text":"Be good to have both.","start":819.12,"end":820.34,"sentiment":"positive","sentiment_score":0.43278175592422485}],"sentiment":"positive","sentiment_score":0.43278175592422485,"channel":1,"num_words":5,"start":819.12,"end":820.34},{"sentences":[{"text":"yep.","start":820.995,"end":821.495,"sentiment":"neutral","sentiment_score":0.12736868858337402},{"text":"I could I could try to make it so we see about a fifty fifty split if you want.","start":821.955,"end":826.515,"sentiment":"neutral","sentiment_score":0.14510750025510788},{"text":"I can look to create a portfolio that sees 50% in those low risk defensive investments like cash, bonds, and fixed interest, which is where we get income from.","start":826.515,"end":837.09,"sentiment":"neutral","sentiment_score":0.20173073071857978},{"text":"They do get a lower rate of return, but they're there for security and income producing.","start":837.87,"end":842.69,"sentiment":"neutral","sentiment_score":0.27185550332069397},{"text":"They pay out, you know, regular dividends and income, which gets reinvested back into your super.","start":843.225,"end":848.605,"sentiment":"neutral","sentiment_score":0.2599117550998926}],"sentiment":"neutral","sentiment_score":0.21287504344442745,"channel":0,"num_words":81,"start":820.995,"end":848.605},{"sentences":[{"text":"And then I could look to maybe keep 50% in that growth area with those Australian and international equities and gold and silver and things like that.","start":849.14496,"end":859.64,"sentiment":"neutral","sentiment_score":0.17653815972584266},{"text":"Did you want me to kind of restructure it to give you more of a balanced approach fifty fifty?","start":859.64,"end":864.22,"sentiment":"neutral","sentiment_score":0.10111321744165923}],"sentiment":"neutral","sentiment_score":0.1453843792171582,"channel":0,"num_words":46,"start":849.14496,"end":864.22},{"sentences":[{"text":"Yeah.","start":868.60004,"end":868.68,"sentiment":"neutral","sentiment_score":0.14285433292388916},{"text":"Thanks.","start":868.68,"end":869.18,"sentiment":"neutral","sentiment_score":0.23138216137886047},{"text":"I don't really understand a lot of it, but, yeah,","start":869.24,"end":872.38,"sentiment":"neutral","sentiment_score":-0.10283751189708709}],"sentiment":"neutral","sentiment_score":-0.05451155205567678,"channel":1,"num_words":12,"start":868.60004,"end":872.38},{"sentences":[{"text":"Yep.","start":872.375,"end":872.875,"sentiment":"neutral","sentiment_score":0.009500625543296335}],"sentiment":"neutral","sentiment_score":0.009500625543296335,"channel":0,"num_words":1,"start":872.375,"end":872.875},{"sentences":[{"text":"that might be","start":872.60004,"end":873.5,"sentiment":"neutral","sentiment_score":-0.013389264543851217}],"sentiment":"neutral","sentiment_score":-0.013389264543851217,"channel":1,"num_words":3,"start":872.60004,"end":873.5},{"sentences":[{"text":"Yep.","start":874.695,"end":875.195,"sentiment":"neutral","sentiment_score":-0.028032949194312096}],"sentiment":"neutral","sentiment_score":-0.028032949194312096,"channel":0,"num_words":1,"start":874.695,"end":875.195},{"sentences":[{"text":"less","start":875.32,"end":875.64,"sentiment":"neutral","sentiment_score":-0.08862705528736115}],"sentiment":"neutral","sentiment_score":-0.08862705528736115,"channel":1,"num_words":1,"start":875.32,"end":875.64},{"sentences":[{"text":"I mean,","start":875.415,"end":875.815,"sentiment":"neutral","sentiment_score":-0.14446747303009033}],"sentiment":"neutral","sentiment_score":-0.14446747303009033,"channel":0,"num_words":2,"start":875.415,"end":875.815},{"sentences":[{"text":"risky.","start":875.64,"end":876.14,"sentiment":"neutral","sentiment_score":-0.210130974650383}],"sentiment":"neutral","sentiment_score":-0.210130974650383,"channel":1,"num_words":1,"start":875.64,"end":876.14},{"sentences":[{"text":"looking yeah.","start":875.815,"end":877.415,"sentiment":"neutral","sentiment_score":-0.03607279621064663},{"text":"I mean, looking at where you guys are at the moment, I'm just sort of seeing if I can find out what your last one was.","start":877.415,"end":886.57,"sentiment":"neutral","sentiment_score":-0.013560817747090299},{"text":"Because I know Rob and yours is more of an older kind of defensive portfolio.","start":886.57,"end":891.47003,"sentiment":"neutral","sentiment_score":-0.10271065880854925},{"text":"And from what I can see here, Frank, you're in more of a balanced growth environment from where we were.","start":893.21,"end":897.945,"sentiment":"neutral","sentiment_score":0.058630623202770946},{"text":"So that's kind of that seventy thirty, split 70% in those, you know, riskier investments and 30% in those low risk investors.","start":897.945,"end":907.245,"sentiment":"neutral","sentiment_score":0.023921200116588312}],"sentiment":"neutral","sentiment_score":-0.0031353866982766813,"channel":0,"num_words":85,"start":875.815,"end":907.245},{"sentences":[{"text":"So bringing things down for yourself would absolutely be preferable.","start":907.41,"end":910.87,"sentiment":"neutral","sentiment_score":0.24694064408540725},{"text":"I'm just sorry.","start":912.61,"end":913.41,"sentiment":"neutral","sentiment_score":-0.07406218194713195},{"text":"Gonna go into the file and have a quick look at your last advice document to sort of see what we were looking at for yourself, Robin, to see how this was put together.","start":913.41,"end":925.885,"sentiment":"neutral","sentiment_score":0.010963915025486666},{"text":"Sorry.","start":953.97504,"end":954.29504,"sentiment":"neutral","sentiment_score":-0.10017827153205872},{"text":"Won't be a second.","start":954.29504,"end":955.275,"sentiment":"neutral","sentiment_score":-0.09902454540133476}],"sentiment":"neutral","sentiment_score":0.0408407029373428,"channel":0,"num_words":52,"start":907.41,"end":955.275},{"sentences":[{"text":"Gotta love computers when they wanna work.","start":955.335,"end":957.41504,"sentiment":"neutral","sentiment_score":0.23996823174612864},{"text":"It's loading and thinking about it.","start":957.41504,"end":959.515,"sentiment":"neutral","sentiment_score":0.12498778601487477}],"sentiment":"neutral","sentiment_score":0.18690033371631914,"channel":0,"num_words":13,"start":955.335,"end":959.515},{"sentences":[{"text":"Nope.","start":963.23,"end":963.63,"sentiment":"neutral","sentiment_score":0.04246982187032699},{"text":"Technology is good.","start":963.63,"end":965.08997,"sentiment":"neutral","sentiment_score":0.23851828277111053}],"sentiment":"neutral","sentiment_score":0.18950616754591465,"channel":1,"num_words":4,"start":963.23,"end":965.08997},{"sentences":[{"text":"Oh, isn't it great?","start":964.76,"end":966.86,"sentiment":"neutral","sentiment_score":0.08527455665171146},{"text":"Yeah.","start":969.8,"end":970.27997,"sentiment":"neutral","sentiment_score":0.2462020218372345},{"text":"That's exactly right.","start":970.27997,"end":971.82,"sentiment":"positive","sentiment_score":0.38410426179567975},{"text":"Okay.","start":974.70496,"end":975.20496,"sentiment":"neutral","sentiment_score":0.27999430894851685},{"text":"So okay.","start":975.665,"end":979.82495,"sentiment":"neutral","sentiment_score":0.31082282960414886}],"sentiment":"neutral","sentiment_score":0.24011390927163037,"channel":0,"num_words":11,"start":964.76,"end":979.82495},{"sentences":[{"text":"So with this sort of defensive portfolio that we have here for you there, Robin, the way it was sort of put together from what I can see here and I'll go back, obviously, and have a really good review of things again as I go back through and redo the research for you there.","start":979.82495,"end":999.3,"sentiment":"neutral","sentiment_score":0.2706697382710197},{"text":"But when we look at those higher risk kind of growth investments like Australian shares, international shares, a bit of property, and also some sort of, you know, gold and silver there, the way this was sort of structured was that you would see about 43.6%.","start":1000.0,"end":1016.02496,"sentiment":"neutral","sentiment_score":0.10246951432655686},{"text":"So about 40 odd percent in those sorts of investments, and then the more defensive investments and lower risk, you are roughly about the same.","start":1016.81,"end":1024.97,"sentiment":"neutral","sentiment_score":0.17984245777130126},{"text":"So you're kind of in that fifty fifty split there.","start":1024.97,"end":1027.79,"sentiment":"neutral","sentiment_score":0.2633617401123047},{"text":"The idea is it's about getting some good growth and making your super work a bit harder in some areas, but then also trying to get, you know, lower risk and keep your super keep your capital there without seeing big market fluctuations, so big ups and downs.","start":1028.57,"end":1045.625,"sentiment":"neutral","sentiment_score":0.211431292972217}],"sentiment":"neutral","sentiment_score":0.20042833789130268,"channel":0,"num_words":184,"start":979.82495,"end":1045.625},{"sentences":[{"text":"Yeah.","start":1046.35,"end":1046.85,"sentiment":"neutral","sentiment_score":0.1382814645767212}],"sentiment":"neutral","sentiment_score":0.1382814645767212,"channel":1,"num_words":1,"start":1046.35,"end":1046.85},{"sentences":[{"text":"Did you want me to sort of keep it that fifty fifty split, making sure that you're not, you know, taking on too much risk?","start":1046.49,"end":1053.9501,"sentiment":"neutral","sentiment_score":0.04820103347301483},{"text":"I can on yeah.","start":1054.73,"end":1056.51,"sentiment":"neutral","sentiment_score":0.11594291403889656},{"text":"Yeah.","start":1061.7051,"end":1062.025,"sentiment":"neutral","sentiment_score":0.24066928029060364},{"text":"It looks like you've kind of meant to have that sort of fifty fifty split in here anyway.","start":1062.025,"end":1066.605,"sentiment":"neutral","sentiment_score":0.1720977880888515},{"text":"Sort of 48 between 43, 45, then 48.","start":1066.905,"end":1071.645,"sentiment":"neutral","sentiment_score":0.0845989529043436}],"sentiment":"neutral","sentiment_score":0.10150033182331494,"channel":0,"num_words":56,"start":1046.49,"end":1071.645},{"sentences":[{"text":"It looks like you are meant to sort of have that fifty fifty split in these older portfolios with them being in that kind of defensive environment.","start":1072.78,"end":1079.6,"sentiment":"neutral","sentiment_score":0.14471032456667335},{"text":"With the ups and downs, the market is seeing probably a really good way to look at how you think about risk and how you should be invested is if you think about risk as a number between one and five.","start":1082.06,"end":1094.105,"sentiment":"neutral","sentiment_score":-0.03717592831065015},{"text":"If you say five is most aggressive portfolio, a 100% invested in those high risk investments like shares, and one is being all fully in cash and not getting much of a return.","start":1094.5651,"end":1106.87,"sentiment":"neutral","sentiment_score":-0.02778836667086139},{"text":"Where do you think each of you might fit in between that?","start":1107.25,"end":1110.29,"sentiment":"neutral","sentiment_score":0.043077633095284305},{"text":"Do you think it'd be more on the one, two, three, or right up near five?","start":1110.29,"end":1114.53,"sentiment":"neutral","sentiment_score":0.031560407718643546}],"sentiment":"neutral","sentiment_score":0.019285641264083775,"channel":0,"num_words":129,"start":1072.78,"end":1114.53},{"sentences":[{"text":"Where do you think you'd feel?","start":1114.53,"end":1116.07,"sentiment":"neutral","sentiment_score":-0.000788667860130469}],"sentiment":"neutral","sentiment_score":-0.000788667860130469,"channel":0,"num_words":6,"start":1114.53,"end":1116.07},{"sentences":[{"text":"Probably about the middle.","start":1118.475,"end":1119.855,"sentiment":"neutral","sentiment_score":-0.003061278490349651},{"text":"Three.","start":1121.115,"end":1121.615,"sentiment":"neutral","sentiment_score":0.006575390230864286}],"sentiment":"neutral","sentiment_score":-0.0011339447461068634,"channel":1,"num_words":5,"start":1118.475,"end":1121.615},{"sentences":[{"text":"The about a three?","start":1121.135,"end":1122.275,"sentiment":"neutral","sentiment_score":0.010183654492720962},{"text":"Yep.","start":1122.335,"end":1122.835,"sentiment":"neutral","sentiment_score":0.054493945091962814},{"text":"Okay.","start":1127.055,"end":1127.555,"sentiment":"neutral","sentiment_score":0.06578022241592407},{"text":"How about yourself there, Frank?","start":1127.935,"end":1129.295,"sentiment":"neutral","sentiment_score":0.07853731215000152},{"text":"Where do you think you might fit?","start":1129.295,"end":1130.915,"sentiment":"neutral","sentiment_score":0.052793405417885096}],"sentiment":"neutral","sentiment_score":0.051291621341887444,"channel":0,"num_words":18,"start":1121.135,"end":1130.915},{"sentences":[{"text":"Yeah.","start":1131.51,"end":1132.01,"sentiment":"neutral","sentiment_score":0.07316529750823975},{"text":"That's the three.","start":1132.15,"end":1133.11,"sentiment":"neutral","sentiment_score":0.07991452763477962},{"text":"Right?","start":1133.11,"end":1133.61,"sentiment":"neutral","sentiment_score":0.0629459023475647}],"sentiment":"neutral","sentiment_score":0.07517095655202866,"channel":1,"num_words":5,"start":1131.51,"end":1133.61},{"sentences":[{"text":"About a three?","start":1133.7101,"end":1134.51,"sentiment":"neutral","sentiment_score":0.036796340718865395},{"text":"Yep.","start":1134.51,"end":1135.01,"sentiment":"neutral","sentiment_score":0.2335759401321411},{"text":"Beautiful.","start":1135.0701,"end":1135.5701,"sentiment":"positive","sentiment_score":0.5569418668746948},{"text":"And, Frank, do you think you'll be wanting to start trying to maybe access some of your super before Robin does turn 67, or do you think you're gonna try and hold off a bit longer and see, you know, what the both of you being on age pension looks like?","start":1136.67,"end":1150.8251,"sentiment":"neutral","sentiment_score":0.028200704056550476}],"sentiment":"neutral","sentiment_score":0.041770406000848324,"channel":0,"num_words":56,"start":1133.7101,"end":1150.8251},{"sentences":[{"text":"Yeah.","start":1151.8201,"end":1152.3201,"sentiment":"neutral","sentiment_score":-0.020465074107050896},{"text":"It's trying out a little bit longer.","start":1152.38,"end":1154.2401,"sentiment":"neutral","sentiment_score":-0.08839539385267667}],"sentiment":"neutral","sentiment_score":-0.07990410388447344,"channel":1,"num_words":8,"start":1151.8201,"end":1154.2401},{"sentences":[{"text":"Try and hold off a bit longer, sort of maybe living on the age pension fully and then just drawing down income as you need it.","start":1154.645,"end":1161.285,"sentiment":"neutral","sentiment_score":-0.053184906307321325},{"text":"Is that sort of how you see your super?","start":1161.285,"end":1163.22,"sentiment":"neutral","sentiment_score":0.0325861018564966},{"text":"Is that right?","start":1163.22,"end":1164.04,"sentiment":"neutral","sentiment_score":0.05605565756559372}],"sentiment":"neutral","sentiment_score":-0.024246465120660633,"channel":0,"num_words":38,"start":1154.645,"end":1164.04},{"sentences":[{"text":"I think so.","start":1164.985,"end":1165.865,"sentiment":"neutral","sentiment_score":0.03537921980023384},{"text":"Yeah.","start":1165.865,"end":1166.365,"sentiment":"neutral","sentiment_score":0.03501950204372406}],"sentiment":"neutral","sentiment_score":0.035289290361106396,"channel":1,"num_words":4,"start":1164.985,"end":1166.365},{"sentences":[{"text":"Yeah.","start":1166.9,"end":1167.3,"sentiment":"neutral","sentiment_score":0.04143894091248512},{"text":"Yep.","start":1167.3,"end":1167.62,"sentiment":"neutral","sentiment_score":0.04418229311704635},{"text":"That's okay.","start":1167.62,"end":1168.36,"sentiment":"neutral","sentiment_score":0.06176498904824257}],"sentiment":"neutral","sentiment_score":0.052287803031504154,"channel":0,"num_words":4,"start":1166.9,"end":1168.36},{"sentences":[{"text":"As long as the age sleep is gonna be enough.","start":1168.825,"end":1171.3049,"sentiment":"neutral","sentiment_score":-0.01745133027434349},{"text":"The way it's gonna be, it's not.","start":1171.3049,"end":1173.085,"sentiment":"neutral","sentiment_score":-0.13034973932164057},{"text":"But anyway","start":1173.1449,"end":1173.885,"sentiment":"neutral","sentiment_score":-0.004147086292505264}],"sentiment":"neutral","sentiment_score":-0.057645034241048915,"channel":1,"num_words":19,"start":1168.825,"end":1173.885},{"sentences":[{"text":"Yeah.","start":1173.9401,"end":1174.4401,"sentiment":"neutral","sentiment_score":0.01629699021577835},{"text":"Yeah.","start":1174.755,"end":1175.255,"sentiment":"neutral","sentiment_score":0.02327008917927742},{"text":"When you do go on to age pension there, Robin, how much do you both need realistically to live on on, say, a weekly or fortnightly basis to for living expenses?","start":1175.475,"end":1186.1951,"sentiment":"neutral","sentiment_score":0.032955167815089226},{"text":"How much do you both need to earn together?","start":1186.1951,"end":1188.055,"sentiment":"neutral","sentiment_score":0.009553443640470505}],"sentiment":"neutral","sentiment_score":0.027313292248263246,"channel":0,"num_words":42,"start":1173.9401,"end":1188.055},{"sentences":[{"text":"Now we probably live on about $2 a fortnight.","start":1191.495,"end":1195.6749,"sentiment":"neutral","sentiment_score":0.006020577934881051}],"sentiment":"neutral","sentiment_score":0.006020577934881051,"channel":1,"num_words":9,"start":1191.495,"end":1195.6749},{"sentences":[{"text":"Okay.","start":1195.51,"end":1196.01,"sentiment":"neutral","sentiment_score":0.048167478293180466},{"text":"Yep.","start":1196.39,"end":1196.89,"sentiment":"neutral","sentiment_score":0.038911622017621994}],"sentiment":"neutral","sentiment_score":0.04353955015540123,"channel":0,"num_words":2,"start":1195.51,"end":1196.89},{"sentences":[{"text":"I","start":1201.255,"end":1201.495,"sentiment":"neutral","sentiment_score":-0.006550457328557968}],"sentiment":"neutral","sentiment_score":-0.006550457328557968,"channel":1,"num_words":1,"start":1201.255,"end":1201.495},{"sentences":[{"text":"Okay.","start":1201.365,"end":1201.865,"sentiment":"neutral","sentiment_score":-0.04374929517507553}],"sentiment":"neutral","sentiment_score":-0.04374929517507553,"channel":0,"num_words":1,"start":1201.365,"end":1201.865},{"sentences":[{"text":"don't think the aid pension quite covers that.","start":1201.495,"end":1204.315,"sentiment":"neutral","sentiment_score":-0.140960780903697}],"sentiment":"neutral","sentiment_score":-0.140960780903697,"channel":1,"num_words":8,"start":1201.495,"end":1204.315},{"sentences":[{"text":"Not quite.","start":1205.125,"end":1206.005,"sentiment":"neutral","sentiment_score":-0.20541463047266006},{"text":"No.","start":1206.005,"end":1206.485,"sentiment":"neutral","sentiment_score":-0.14318355917930603},{"text":"Do you think you'll need to when you do retire fully need to still earn $2,000 on a fortnightly basis together?","start":1206.485,"end":1213.545,"sentiment":"neutral","sentiment_score":-0.08471811793389775},{"text":"Or","start":1213.605,"end":1214.105,"sentiment":"neutral","sentiment_score":-0.10072267055511476}],"sentiment":"neutral","sentiment_score":-0.09735263869166375,"channel":0,"num_words":25,"start":1205.125,"end":1214.105},{"sentences":[{"text":"I'm not sure.","start":1214.98,"end":1215.88,"sentiment":"neutral","sentiment_score":-0.11164977898200353}],"sentiment":"neutral","sentiment_score":-0.11164977898200353,"channel":1,"num_words":3,"start":1214.98,"end":1215.88},{"sentences":[{"text":"not sure?","start":1216.8999,"end":1217.64,"sentiment":"neutral","sentiment_score":-0.09296847507357597},{"text":"Did you want me to factor that in as the income that you do need to survive on?","start":1217.7799,"end":1222.44,"sentiment":"neutral","sentiment_score":-0.04695173187388314}],"sentiment":"neutral","sentiment_score":-0.05155340619385242,"channel":0,"num_words":20,"start":1216.8999,"end":1222.44},{"sentences":[{"text":"Yeah.","start":1224.205,"end":1224.705,"sentiment":"neutral","sentiment_score":0.0859576016664505},{"text":"Thanks.","start":1224.765,"end":1225.265,"sentiment":"neutral","sentiment_score":0.1860082596540451},{"text":"Sometimes it's","start":1225.325,"end":1226.125,"sentiment":"neutral","sentiment_score":-0.02615378610789776}],"sentiment":"neutral","sentiment_score":0.05491457227617502,"channel":1,"num_words":4,"start":1224.205,"end":1226.125},{"sentences":[{"text":"Yeah.","start":1225.94,"end":1226.44,"sentiment":"neutral","sentiment_score":-0.08047553896903992}],"sentiment":"neutral","sentiment_score":-0.08047553896903992,"channel":0,"num_words":1,"start":1225.94,"end":1226.44},{"sentences":[{"text":"hard because by the time you pay rates and, you know, I put away $800 a fortnight for rates,","start":1226.125,"end":1234.5,"sentiment":"neutral","sentiment_score":-0.12747127013771156}],"sentiment":"neutral","sentiment_score":-0.12747127013771156,"channel":1,"num_words":19,"start":1226.125,"end":1234.5},{"sentences":[{"text":"Yeah.","start":1234.355,"end":1234.855,"sentiment":"neutral","sentiment_score":-0.024794412776827812}],"sentiment":"neutral","sentiment_score":-0.024794412776827812,"channel":0,"num_words":1,"start":1234.355,"end":1234.855},{"sentences":[{"text":"insurances, and regos, and health fund, and yeah.","start":1234.5,"end":1239.08,"sentiment":"neutral","sentiment_score":-0.03598301112651825}],"sentiment":"neutral","sentiment_score":-0.03598301112651825,"channel":1,"num_words":8,"start":1234.5,"end":1239.08},{"sentences":[{"text":"Yeah.","start":1239.8099,"end":1240.3099,"sentiment":"neutral","sentiment_score":-0.05687816068530083},{"text":"Do you think you might need a little bit more on a fortnightly basis to sort of help cover those things, or are you fairly comfortable that you should be right on $2,000 a fortnight to say a thousand dollars a week?","start":1241.49,"end":1252.07,"sentiment":"neutral","sentiment_score":-0.0787556359455699}],"sentiment":"neutral","sentiment_score":-0.07824685745114504,"channel":0,"num_words":43,"start":1239.8099,"end":1252.07},{"sentences":[{"text":"I'm not sure.","start":1257.83,"end":1258.81,"sentiment":"neutral","sentiment_score":-0.11542124797900517}],"sentiment":"neutral","sentiment_score":-0.11542124797900517,"channel":1,"num_words":3,"start":1257.83,"end":1258.81},{"sentences":[{"text":"Not sure?","start":1259.215,"end":1259.775,"sentiment":"neutral","sentiment_score":-0.11305313557386398},{"text":"That's okay.","start":1259.775,"end":1260.6749,"sentiment":"neutral","sentiment_score":-0.018364127725362778},{"text":"Because if you like, what I could do with this advice piece for you, we'll look at, you know, you making sure we retain your supers, but maybe look at the investments within that to make sure that you're in a certain risk profile that's comfortable for you, that the returns, you know, are working.","start":1260.735,"end":1274.71,"sentiment":"neutral","sentiment_score":0.03935555099424991},{"text":"But then I can also factor in based on the current because, obviously, age pension does increase in Ulta and is indexed every year twice a year.","start":1275.25,"end":1284.295,"sentiment":"neutral","sentiment_score":0.032065611651719166},{"text":"So we are working on the current scenario, but I could then obviously project out to when you're 67, look at how much you might be entitled to age pension together.","start":1284.3551,"end":1294.4551,"sentiment":"neutral","sentiment_score":0.02849304447731664}],"sentiment":"neutral","sentiment_score":0.031203219414346367,"channel":0,"num_words":117,"start":1259.215,"end":1294.4551},{"sentences":[{"text":"It should basically be on full age pension given your current assets there.","start":1294.915,"end":1299.15,"sentiment":"neutral","sentiment_score":0.044467876450373575},{"text":"But then look at what you might need to draw down to supplement that from super and how long that might last you.","start":1299.15,"end":1305.71,"sentiment":"neutral","sentiment_score":0.013477823332599972},{"text":"Did you want me to factor that into the advice and maybe do it a little bit bigger for you both?","start":1305.71,"end":1310.69,"sentiment":"neutral","sentiment_score":0.025170249864459038}],"sentiment":"neutral","sentiment_score":0.024853466274706942,"channel":0,"num_words":57,"start":1294.915,"end":1310.69},{"sentences":[{"text":"Yeah.","start":1311.295,"end":1311.615,"sentiment":"neutral","sentiment_score":0.16953593492507937},{"text":"That'd be good.","start":1311.615,"end":1312.335,"sentiment":"positive","sentiment_score":0.4056661029656728},{"text":"Thanks.","start":1312.335,"end":1312.74,"sentiment":"positive","sentiment_score":0.5167275667190552}],"sentiment":"positive","sentiment_score":0.3806523621082306,"channel":1,"num_words":5,"start":1311.295,"end":1312.74},{"sentences":[{"text":"Yeah.","start":1312.925,"end":1313.3251,"sentiment":"neutral","sentiment_score":0.2419266253709793},{"text":"That's okay.","start":1313.3251,"end":1314.045,"sentiment":"neutral","sentiment_score":0.30929629504680634},{"text":"Just give you a bit of an idea of where things are tracking, what it might look like.","start":1314.045,"end":1318.4651,"sentiment":"neutral","sentiment_score":0.1582594650487105},{"text":"And then as we get closer and closer to that point, we can always update the advice.","start":1318.765,"end":1324.785,"sentiment":"neutral","sentiment_score":0.13896839846582973},{"text":"And if we, you know, if age pension increases a little bit more, it means you could draw a little bit less out of super to sort of survive.","start":1325.09,"end":1332.23,"sentiment":"neutral","sentiment_score":0.039465637427979504}],"sentiment":"neutral","sentiment_score":0.10770381859211779,"channel":0,"num_words":67,"start":1312.925,"end":1332.23},{"sentences":[{"text":"And that can give you a little bit more longevity as well.","start":1333.01,"end":1335.73,"sentiment":"neutral","sentiment_score":0.17174519039690495},{"text":"Does that make sense?","start":1335.73,"end":1336.61,"sentiment":"neutral","sentiment_score":0.09542300179600716},{"text":"Does that sound okay?","start":1336.61,"end":1337.67,"sentiment":"neutral","sentiment_score":0.10270478762686253}],"sentiment":"neutral","sentiment_score":0.1426726721227169,"channel":0,"num_words":20,"start":1333.01,"end":1337.67},{"sentences":[{"text":"Yep.","start":1338.3351,"end":1338.8351,"sentiment":"neutral","sentiment_score":0.10661664605140686}],"sentiment":"neutral","sentiment_score":0.10661664605140686,"channel":1,"num_words":1,"start":1338.3351,"end":1338.8351},{"sentences":[{"text":"Yep.","start":1339.475,"end":1339.975,"sentiment":"neutral","sentiment_score":0.18551957607269287},{"text":"Beautiful.","start":1340.195,"end":1340.695,"sentiment":"positive","sentiment_score":0.6202398538589478},{"text":"Lovely.","start":1343.635,"end":1344.135,"sentiment":"positive","sentiment_score":0.5845497846603394},{"text":"Now another really good question to kinda go through when we are looking at the portfolios, one of the biggest ones I do like to think about and ask is if you saw the market fall.","start":1345.1549,"end":1354.62,"sentiment":"neutral","sentiment_score":0.04493501865201526},{"text":"So you've obviously heard on the news what's been happening with the markets over the past, you know, couple of months there with The US and the Iran war and everything else.","start":1354.62,"end":1363.8401,"sentiment":"neutral","sentiment_score":0.002573720965301618}],"sentiment":"neutral","sentiment_score":0.043525759957101146,"channel":0,"num_words":71,"start":1339.475,"end":1363.8401},{"sentences":[{"text":"If you saw your super balances fall by 20% because of, say, big market changes.","start":1364.14,"end":1369.875,"sentiment":"neutral","sentiment_score":-0.009997414300839107},{"text":"How do you think that is making you feel?","start":1369.875,"end":1371.975,"sentiment":"neutral","sentiment_score":0.13378901117377812},{"text":"Are you feeling optimistic about the investment opportunity?","start":1372.275,"end":1375.175,"sentiment":"neutral","sentiment_score":0.30143576860427856},{"text":"Are you feeling cautious, concerned, or extremely anxious?","start":1375.3151,"end":1378.215,"sentiment":"neutral","sentiment_score":-0.1110584819689393}],"sentiment":"neutral","sentiment_score":0.06442895447835326,"channel":0,"num_words":40,"start":1364.14,"end":1378.215},{"sentences":[{"text":"Concerned, but I don't really listen to the news.","start":1381.76,"end":1384.88,"sentiment":"negative","sentiment_score":-0.33564185268349117},{"text":"It's always bad.","start":1384.88,"end":1386.0,"sentiment":"negative","sentiment_score":-0.3879609207312266},{"text":"So","start":1386.0,"end":1386.5,"sentiment":"neutral","sentiment_score":-0.33008599281311035}],"sentiment":"negative","sentiment_score":-0.347288109935247,"channel":1,"num_words":13,"start":1381.76,"end":1386.5},{"sentences":[{"text":"Never have anything good to say.","start":1388.6901,"end":1390.39,"sentiment":"negative","sentiment_score":-0.3773645559946696}],"sentiment":"negative","sentiment_score":-0.3773645559946696,"channel":0,"num_words":6,"start":1388.6901,"end":1390.39},{"sentences":[{"text":"Not really.","start":1391.975,"end":1392.715,"sentiment":"neutral","sentiment_score":-0.22729113698005676},{"text":"I'm talking, aren't I?","start":1392.775,"end":1394.235,"sentiment":"neutral","sentiment_score":-0.13401558808982372}],"sentiment":"neutral","sentiment_score":-0.1651074377199014,"channel":1,"num_words":6,"start":1391.975,"end":1394.235},{"sentences":[{"text":"Oh, no.","start":1394.785,"end":1395.345,"sentiment":"neutral","sentiment_score":-0.13706009835004807},{"text":"Look.","start":1395.345,"end":1395.745,"sentiment":"neutral","sentiment_score":-0.1253402829170227},{"text":"In all honesty, I don't listen to the news a great deal either.","start":1395.745,"end":1398.865,"sentiment":"neutral","sentiment_score":-0.24001178718530214},{"text":"I read what comes out, but I don't just watch the news every night at 06:00 because it is just awful.","start":1398.865,"end":1404.7051,"sentiment":"neutral","sentiment_score":-0.25692095288208555},{"text":"It's horrible.","start":1404.7051,"end":1405.4451,"sentiment":"negative","sentiment_score":-0.4114438444375992}],"sentiment":"neutral","sentiment_score":-0.24968824134423181,"channel":0,"num_words":39,"start":1394.785,"end":1405.4451},{"sentences":[{"text":"It's not fun to you know, nothing ever good happens.","start":1405.505,"end":1408.645,"sentiment":"negative","sentiment_score":-0.35060453712940215}],"sentiment":"negative","sentiment_score":-0.35060453712940215,"channel":0,"num_words":10,"start":1405.505,"end":1408.645},{"sentences":[{"text":"No.","start":1409.3,"end":1409.8,"sentiment":"neutral","sentiment_score":-0.1087503433227539}],"sentiment":"neutral","sentiment_score":-0.1087503433227539,"channel":1,"num_words":1,"start":1409.3,"end":1409.8},{"sentences":[{"text":"But I kinda just read the news that comes out from, you know, the economists and the areas that we look at at work.","start":1409.42,"end":1415.34,"sentiment":"neutral","sentiment_score":-0.023595186416059732},{"text":"So I can keep up to date in other ways.","start":1415.34,"end":1417.92,"sentiment":"neutral","sentiment_score":-0.015121434628963471},{"text":"Alright.","start":1421.275,"end":1421.775,"sentiment":"neutral","sentiment_score":0.09413911402225494},{"text":"All good.","start":1421.835,"end":1422.575,"sentiment":"neutral","sentiment_score":0.18992740660905838},{"text":"So, realistically, do you think you'd be more towards that sort of anxious concern sort of area?","start":1423.035,"end":1428.735,"sentiment":"neutral","sentiment_score":-0.07056964835261598}],"sentiment":"neutral","sentiment_score":-0.0267257206486883,"channel":0,"num_words":54,"start":1409.42,"end":1428.735},{"sentences":[{"text":"Am I right on the right track there?","start":1429.195,"end":1431.055,"sentiment":"neutral","sentiment_score":-0.054353530053049326}],"sentiment":"neutral","sentiment_score":-0.054353530053049326,"channel":0,"num_words":8,"start":1429.195,"end":1431.055},{"sentences":[{"text":"Yeah.","start":1431.77,"end":1432.0901,"sentiment":"neutral","sentiment_score":-0.052840039134025574},{"text":"Probably.","start":1432.0901,"end":1432.5701,"sentiment":"neutral","sentiment_score":-0.061677172780036926},{"text":"Because, yeah, we can't afford for our super to get too much lower.","start":1432.5701,"end":1435.9501,"sentiment":"neutral","sentiment_score":-0.15133442213902107}],"sentiment":"neutral","sentiment_score":-0.13879097998142242,"channel":1,"num_words":15,"start":1431.77,"end":1435.9501},{"sentences":[{"text":"No.","start":1436.49,"end":1436.73,"sentiment":"neutral","sentiment_score":-0.0935923308134079},{"text":"No.","start":1436.73,"end":1437.05,"sentiment":"neutral","sentiment_score":-0.07832980155944824},{"text":"Of course.","start":1437.05,"end":1437.61,"sentiment":"neutral","sentiment_score":-0.04897658713161945}],"sentiment":"neutral","sentiment_score":-0.06746882665902376,"channel":0,"num_words":4,"start":1436.49,"end":1437.61},{"sentences":[{"text":"Well, I","start":1437.37,"end":1437.6901,"sentiment":"neutral","sentiment_score":-0.02466295938938856}],"sentiment":"neutral","sentiment_score":-0.02466295938938856,"channel":1,"num_words":2,"start":1437.37,"end":1437.6901},{"sentences":[{"text":"Definitely.","start":1437.61,"end":1438.11,"sentiment":"neutral","sentiment_score":-0.007631456013768911}],"sentiment":"neutral","sentiment_score":-0.007631456013768911,"channel":0,"num_words":1,"start":1437.61,"end":1438.11},{"sentences":[{"text":"mean, without us spending it.","start":1437.6901,"end":1439.77,"sentiment":"neutral","sentiment_score":-0.06553517505526543},{"text":"So Okay.","start":1439.77,"end":1440.68,"sentiment":"neutral","sentiment_score":-0.020016943104565144}],"sentiment":"neutral","sentiment_score":-0.052529965926493914,"channel":1,"num_words":7,"start":1437.6901,"end":1440.68},{"sentences":[{"text":"Yeah.","start":1440.97,"end":1441.47,"sentiment":"neutral","sentiment_score":-0.02275136113166809},{"text":"I'll tick off the anxious button there.","start":1441.85,"end":1443.6901,"sentiment":"neutral","sentiment_score":-0.04500759871942656},{"text":"That would make you feel pretty anxious, you reckon?","start":1443.6901,"end":1446.03,"sentiment":"neutral","sentiment_score":-0.1315962490108278}],"sentiment":"neutral","sentiment_score":-0.08953945842735908,"channel":0,"num_words":17,"start":1440.97,"end":1446.03},{"sentences":[{"text":"Yeah.","start":1446.895,"end":1447.395,"sentiment":"neutral","sentiment_score":-0.021548250690102577}],"sentiment":"neutral","sentiment_score":-0.021548250690102577,"channel":1,"num_words":1,"start":1446.895,"end":1447.395},{"sentences":[{"text":"Yeah.","start":1447.9049,"end":1448.1449,"sentiment":"neutral","sentiment_score":-0.003141213208436966},{"text":"That's okay.","start":1448.1449,"end":1449.125,"sentiment":"neutral","sentiment_score":0.047431036829948425},{"text":"Absolutely.","start":1449.1849,"end":1449.6849,"sentiment":"neutral","sentiment_score":0.05732405185699463},{"text":"And if it did happen to fall by 20%, obviously, don't want it to happen that way.","start":1450.3049,"end":1454.225,"sentiment":"neutral","sentiment_score":-0.09969203360378742},{"text":"But if it did, do you think you'd be calling us funny at what's going on?","start":1454.225,"end":1459.505,"sentiment":"neutral","sentiment_score":-0.11240947945043445}],"sentiment":"neutral","sentiment_score":-0.09038571162602387,"channel":0,"num_words":37,"start":1447.9049,"end":1459.505},{"sentences":[{"text":"Are you wanting to maybe move money into cash?","start":1459.505,"end":1461.84,"sentiment":"neutral","sentiment_score":-0.07312370050284597},{"text":"How do you think you might react in those circumstance?","start":1461.84,"end":1464.1799,"sentiment":"neutral","sentiment_score":-0.08967153988778591}],"sentiment":"neutral","sentiment_score":-0.08183308965281437,"channel":0,"num_words":19,"start":1459.505,"end":1464.1799},{"sentences":[{"text":"Yeah.","start":1469.76,"end":1470.225,"sentiment":"neutral","sentiment_score":-0.07244709879159927},{"text":"I'm not sure.","start":1470.3049,"end":1471.105,"sentiment":"neutral","sentiment_score":-0.09512703120708466},{"text":"Probably a phone call to see what you just recommend.","start":1471.105,"end":1473.605,"sentiment":"neutral","sentiment_score":-0.10452508479356766},{"text":"But","start":1473.6649,"end":1473.905,"sentiment":"neutral","sentiment_score":-0.030398061498999596}],"sentiment":"neutral","sentiment_score":-0.09556514012316862,"channel":1,"num_words":15,"start":1469.76,"end":1473.905},{"sentences":[{"text":"Yep.","start":1474.335,"end":1474.735,"sentiment":"neutral","sentiment_score":-0.022672487422823902}],"sentiment":"neutral","sentiment_score":-0.022672487422823902,"channel":0,"num_words":1,"start":1474.335,"end":1474.735},{"sentences":[{"text":"yeah.","start":1474.465,"end":1474.965,"sentiment":"neutral","sentiment_score":-0.014988734386861324}],"sentiment":"neutral","sentiment_score":-0.014988734386861324,"channel":1,"num_words":1,"start":1474.465,"end":1474.965},{"sentences":[{"text":"Yep.","start":1474.735,"end":1475.235,"sentiment":"neutral","sentiment_score":-0.02484273537993431},{"text":"Be a bit worried going, hey.","start":1475.375,"end":1476.575,"sentiment":"neutral","sentiment_score":-0.18124004701773325},{"text":"What happened to my stupid?","start":1476.575,"end":1477.695,"sentiment":"neutral","sentiment_score":-0.2897245526313782},{"text":"How do I fix this?","start":1477.695,"end":1478.575,"sentiment":"neutral","sentiment_score":-0.2533006012439728},{"text":"What's going on?","start":1478.575,"end":1479.635,"sentiment":"neutral","sentiment_score":-0.11818497876326244}],"sentiment":"neutral","sentiment_score":-0.2090981861576438,"channel":0,"num_words":20,"start":1474.735,"end":1479.635},{"sentences":[{"text":"Yeah.","start":1479.985,"end":1480.485,"sentiment":"neutral","sentiment_score":-0.015129223465919496}],"sentiment":"neutral","sentiment_score":-0.015129223465919496,"channel":1,"num_words":1,"start":1479.985,"end":1480.485},{"sentences":[{"text":"No.","start":1482.655,"end":1482.975,"sentiment":"neutral","sentiment_score":0.026682335883378983},{"text":"Excellent.","start":1482.975,"end":1483.475,"sentiment":"neutral","sentiment_score":0.2781161069869995},{"text":"That's a really good answer.","start":1483.535,"end":1484.735,"sentiment":"positive","sentiment_score":0.39490960240364076},{"text":"Beautiful.","start":1484.735,"end":1485.235,"sentiment":"neutral","sentiment_score":0.23020558059215543},{"text":"And when we think about average returns of what you're sort of hoping to try and obtain from your super over the longer term, are you trying to aim for the highest returns you can knowing that you need to take a bit more risk to get better returns, or do you consider yourself happy with, say, a two, four, or a 6% return on a regular bay on a yearly basis to keep your super working as long as possible?","start":1485.9501,"end":1509.2351,"sentiment":"neutral","sentiment_score":0.07279469376360928}],"sentiment":"neutral","sentiment_score":0.09444856438576506,"channel":0,"num_words":89,"start":1482.655,"end":1509.2351},{"sentences":[{"text":"Well, we want the super to work as long as possible, but we can't really afford the risk to try and get really good returns.","start":1512.1,"end":1521.64,"sentiment":"neutral","sentiment_score":-0.14242278516292572}],"sentiment":"neutral","sentiment_score":-0.14242278516292572,"channel":1,"num_words":25,"start":1512.1,"end":1521.64},{"sentences":[{"text":"Yep.","start":1522.0299,"end":1522.35,"sentiment":"neutral","sentiment_score":0.14116935431957245},{"text":"Yep.","start":1522.35,"end":1522.83,"sentiment":"neutral","sentiment_score":0.13424840569496155},{"text":"No.","start":1522.83,"end":1523.07,"sentiment":"neutral","sentiment_score":0.13048946857452393},{"text":"That's okay.","start":1523.07,"end":1523.71,"sentiment":"neutral","sentiment_score":0.25106771290302277},{"text":"That's not a problem at all.","start":1523.71,"end":1525.4099,"sentiment":"positive","sentiment_score":0.3854058434565862}],"sentiment":"neutral","sentiment_score":0.29277070137587463,"channel":0,"num_words":11,"start":1522.0299,"end":1525.4099},{"sentences":[{"text":"So the way you've both sort of scored and you have scored very much the same area, it is a bit different to where you scored in August, and it's a good thing we went through this again because you've scored as more of a conservative defensive investor, which is when we look at those those risky assets, this sort of portfolio would normally see about 25 to 35% in those growth assets.","start":1525.835,"end":1548.57,"sentiment":"neutral","sentiment_score":0.31964612231679157},{"text":"They're very much a a change, reducing those growth assets down.","start":1548.57,"end":1553.0499,"sentiment":"neutral","sentiment_score":0.13239132274280896},{"text":"That's Australian shares, international shares, property, and, you know, precious metals like gold and silver.","start":1553.0499,"end":1559.585,"sentiment":"neutral","sentiment_score":0.13873241742451986},{"text":"And then the defensive lower risk investments like cash, bonds, and fixed interest, you generally would see about 65 to 75.","start":1560.0449,"end":1567.485,"sentiment":"neutral","sentiment_score":0.07708858326077461},{"text":"So it's very much a a change from where you would be when you're wanting to take on a bit more risk there.","start":1567.485,"end":1573.08,"sentiment":"neutral","sentiment_score":0.019868809851291386}],"sentiment":"neutral","sentiment_score":0.20242867563440875,"channel":0,"num_words":143,"start":1525.835,"end":1573.08},{"sentences":[{"text":"This sort of portfolio normally suits someone who has about three years that are wanting to access a super now or within the next sort of three years.","start":1574.34,"end":1582.44,"sentiment":"neutral","sentiment_score":0.08342232688197068},{"text":"The likelihood of a negative return is about one in seven years, so very much low risk.","start":1582.855,"end":1587.995,"sentiment":"neutral","sentiment_score":-0.16221118148635416},{"text":"And the expected returns we'd be hoping for on a regular base, on a yearly basis, is around about sort of, you know, two to 5%.","start":1588.615,"end":1596.45,"sentiment":"neutral","sentiment_score":0.11244472488760948},{"text":"Do you feel like that is sort of comfortable for yourself?","start":1596.51,"end":1599.5499,"sentiment":"neutral","sentiment_score":0.10812381384047595},{"text":"Do you feel like you wanna bring things down to that level?","start":1599.5499,"end":1602.2899,"sentiment":"neutral","sentiment_score":0.0061095816393693285}],"sentiment":"neutral","sentiment_score":0.040047604749177367,"channel":0,"num_words":94,"start":1574.34,"end":1602.2899},{"sentences":[{"text":"So what are we on now?","start":1604.25,"end":1605.69,"sentiment":"neutral","sentiment_score":-0.019438145992656548},{"text":"Sorry.","start":1605.69,"end":1606.19,"sentiment":"neutral","sentiment_score":-0.06452812254428864}],"sentiment":"neutral","sentiment_score":-0.025879571214318275,"channel":1,"num_words":7,"start":1604.25,"end":1606.19},{"sentences":[{"text":"You're right.","start":1606.9249,"end":1607.565,"sentiment":"neutral","sentiment_score":0.0076627712696790695},{"text":"So at the moment, you're kind of in that fifty fifty sort of split with those growth and defensive investments.","start":1607.565,"end":1614.465,"sentiment":"neutral","sentiment_score":0.020522739086300135}],"sentiment":"neutral","sentiment_score":0.019353651102970947,"channel":0,"num_words":22,"start":1606.9249,"end":1614.465},{"sentences":[{"text":"Would be be worthwhile staying with that?","start":1620.825,"end":1623.485,"sentiment":"neutral","sentiment_score":0.05754485673138073}],"sentiment":"neutral","sentiment_score":0.05754485673138073,"channel":1,"num_words":7,"start":1620.825,"end":1623.485},{"sentences":[{"text":"You can if you like.","start":1624.86,"end":1625.9,"sentiment":"neutral","sentiment_score":0.057806721329689024},{"text":"Did you want me to do that sort of fifty fifty split?","start":1625.9,"end":1628.38,"sentiment":"neutral","sentiment_score":0.04184278752654791},{"text":"I can look at the investments, look at how to make them, show you what that looks like, and then we can always review that and alter it again in a few months or a year's time if you decide you're not comfortable with that level.","start":1628.38,"end":1639.835,"sentiment":"neutral","sentiment_score":0.046467365575549396}],"sentiment":"neutral","sentiment_score":0.04648644243559194,"channel":0,"num_words":63,"start":1624.86,"end":1639.835},{"sentences":[{"text":"I'm not sure.","start":1647.915,"end":1648.795,"sentiment":"negative","sentiment_score":-0.3756341834863027},{"text":"I mean, it's hard.","start":1648.795,"end":1653.32,"sentiment":"negative","sentiment_score":-0.43610383570194244},{"text":"The older you","start":1653.46,"end":1654.1799,"sentiment":"neutral","sentiment_score":-0.31976208090782166}],"sentiment":"negative","sentiment_score":-0.38306041359901427,"channel":1,"num_words":10,"start":1647.915,"end":1654.1799},{"sentences":[{"text":"It's","start":1654.07,"end":1654.57,"sentiment":"negative","sentiment_score":-0.35350045561790466}],"sentiment":"negative","sentiment_score":-0.35350045561790466,"channel":0,"num_words":1,"start":1654.07,"end":1654.57},{"sentences":[{"text":"get, the more you wanna not","start":1654.1799,"end":1656.26,"sentiment":"negative","sentiment_score":-0.40422390898068744}],"sentiment":"negative","sentiment_score":-0.40422390898068744,"channel":1,"num_words":6,"start":1654.1799,"end":1656.26},{"sentences":[{"text":"the more","start":1655.99,"end":1656.39,"sentiment":"negative","sentiment_score":-0.4482590854167938}],"sentiment":"negative","sentiment_score":-0.4482590854167938,"channel":0,"num_words":2,"start":1655.99,"end":1656.39},{"sentences":[{"text":"have","start":1656.26,"end":1656.4199,"sentiment":"negative","sentiment_score":-0.5284547805786133}],"sentiment":"negative","sentiment_score":-0.5284547805786133,"channel":1,"num_words":1,"start":1656.26,"end":1656.4199},{"sentences":[{"text":"you","start":1656.39,"end":1656.47,"sentiment":"negative","sentiment_score":-0.5481019020080566}],"sentiment":"negative","sentiment_score":-0.5481019020080566,"channel":0,"num_words":1,"start":1656.39,"end":1656.47},{"sentences":[{"text":"too","start":1656.4199,"end":1656.58,"sentiment":"negative","sentiment_score":-0.5543743968009949}],"sentiment":"negative","sentiment_score":-0.5543743968009949,"channel":1,"num_words":1,"start":1656.4199,"end":1656.58},{"sentences":[{"text":"wanna","start":1656.47,"end":1656.87,"sentiment":"negative","sentiment_score":-0.52210932970047}],"sentiment":"negative","sentiment_score":-0.52210932970047,"channel":0,"num_words":1,"start":1656.47,"end":1656.87},{"sentences":[{"text":"much","start":1656.58,"end":1656.9,"sentiment":"negative","sentiment_score":-0.3858925998210907}],"sentiment":"negative","sentiment_score":-0.3858925998210907,"channel":1,"num_words":1,"start":1656.58,"end":1656.9},{"sentences":[{"text":"keep.","start":1656.87,"end":1657.37,"sentiment":"negative","sentiment_score":-0.43687841296195984}],"sentiment":"negative","sentiment_score":-0.43687841296195984,"channel":0,"num_words":1,"start":1656.87,"end":1657.37},{"sentences":[{"text":"of a risk.","start":1656.9,"end":1657.64,"sentiment":"negative","sentiment_score":-0.39096692204475403}],"sentiment":"negative","sentiment_score":-0.39096692204475403,"channel":1,"num_words":3,"start":1656.9,"end":1657.64},{"sentences":[{"text":"Yeah.","start":1658.405,"end":1658.885,"sentiment":"neutral","sentiment_score":-0.1581994891166687},{"text":"Yeah.","start":1658.885,"end":1659.125,"sentiment":"neutral","sentiment_score":-0.16192331910133362},{"text":"It's kind of that juggling act.","start":1659.125,"end":1660.405,"sentiment":"neutral","sentiment_score":-0.14388583227992058},{"text":"You don't wanna take on too much risk, but you still want your super to keep growing a little bit too.","start":1660.405,"end":1664.8049,"sentiment":"neutral","sentiment_score":-0.11555170090425582},{"text":"You wanna make it last","start":1664.8049,"end":1665.765,"sentiment":"neutral","sentiment_score":-0.039279821515083316}],"sentiment":"neutral","sentiment_score":-0.11195360671947985,"channel":0,"num_words":34,"start":1658.405,"end":1665.765},{"sentences":[{"text":"Yeah.","start":1665.5399,"end":1666.0399,"sentiment":"neutral","sentiment_score":-0.005320567637681961}],"sentiment":"neutral","sentiment_score":-0.005320567637681961,"channel":1,"num_words":1,"start":1665.5399,"end":1666.0399},{"sentences":[{"text":"as long as it possibly can.","start":1665.765,"end":1667.285,"sentiment":"neutral","sentiment_score":0.1218269517024358},{"text":"Absolutely.","start":1667.285,"end":1667.785,"sentiment":"positive","sentiment_score":0.3821846842765808},{"text":"Well, I'll tell you what I would probably look at doing because, realistically, you don't wanna access the money now unless you realistically have to.","start":1668.325,"end":1675.5299,"sentiment":"neutral","sentiment_score":0.03774086445569992},{"text":"At the moment, given the current age pension, you would have to probably start drawing down some out of super, but we can draw maybe a smaller amount out of each of your super accounts.","start":1675.75,"end":1686.97,"sentiment":"neutral","sentiment_score":0.06353175661393574},{"text":"That way, you get a bit more longevity out of both of them.","start":1687.11,"end":1690.725,"sentiment":"neutral","sentiment_score":0.3270200089766429}],"sentiment":"neutral","sentiment_score":0.10664424505084753,"channel":0,"num_words":80,"start":1665.765,"end":1690.725},{"sentences":[{"text":"So I can, just if you want, look at doing a portfolio that gives you that fifty fifty split that gives you 50% growth investment, 50% defensive.","start":1690.725,"end":1700.245,"sentiment":"neutral","sentiment_score":0.2782046176769115},{"text":"So you are very much lowering the risk level and keeping, you know, some growth, some low risk investments there.","start":1700.245,"end":1706.76,"sentiment":"neutral","sentiment_score":0.3179254747927189},{"text":"Look at rejigging the portfolio to see what that looks like, how that affects you.","start":1707.38,"end":1711.86,"sentiment":"neutral","sentiment_score":0.17015168964862823},{"text":"I can show you the advice documents that shows you what we're recommending you invest in, the risk level, the cost of doing so, and the future projections on how this affects your super long term.","start":1711.86,"end":1724.2849,"sentiment":"neutral","sentiment_score":0.20947548415925768},{"text":"And then look at how we would draw down how long your super is expected to last given age pension circumstances when you hit 67, Robin.","start":1724.825,"end":1733.35,"sentiment":"neutral","sentiment_score":0.12227374630478713}],"sentiment":"neutral","sentiment_score":0.21889148670579156,"channel":0,"num_words":124,"start":1690.725,"end":1733.35},{"sentences":[{"text":"Does that sound okay?","start":1733.35,"end":1734.49,"sentiment":"neutral","sentiment_score":0.11699309945106506}],"sentiment":"neutral","sentiment_score":0.11699309945106506,"channel":0,"num_words":4,"start":1733.35,"end":1734.49},{"sentences":[{"text":"Yeah.","start":1735.445,"end":1735.945,"sentiment":"neutral","sentiment_score":0.06220506876707077},{"text":"And just","start":1736.4299,"end":1736.9099,"sentiment":"neutral","sentiment_score":0.021624265238642693}],"sentiment":"neutral","sentiment_score":0.03515119974811872,"channel":1,"num_words":3,"start":1735.445,"end":1736.9099},{"sentences":[{"text":"Yep.","start":1736.71,"end":1737.21,"sentiment":"neutral","sentiment_score":0.015047933906316755}],"sentiment":"neutral","sentiment_score":0.015047933906316755,"channel":0,"num_words":1,"start":1736.71,"end":1737.21},{"sentences":[{"text":"a question.","start":1736.9099,"end":1737.57,"sentiment":"neutral","sentiment_score":-0.00578540563583374}],"sentiment":"neutral","sentiment_score":-0.00578540563583374,"channel":1,"num_words":2,"start":1736.9099,"end":1737.57},{"sentences":[{"text":"Sure.","start":1738.23,"end":1738.73,"sentiment":"neutral","sentiment_score":0.01640327274799347}],"sentiment":"neutral","sentiment_score":0.01640327274799347,"channel":0,"num_words":1,"start":1738.23,"end":1738.73},{"sentences":[{"text":"Peep people our age with roughly what we got, what do they normally do?","start":1738.75,"end":1744.21,"sentiment":"neutral","sentiment_score":-0.04941132052668503}],"sentiment":"neutral","sentiment_score":-0.04941132052668503,"channel":1,"num_words":14,"start":1738.75,"end":1744.21},{"sentences":[{"text":"With portfolio wise?","start":1746.085,"end":1747.865,"sentiment":"neutral","sentiment_score":-0.019855907807747524}],"sentiment":"neutral","sentiment_score":-0.019855907807747524,"channel":0,"num_words":3,"start":1746.085,"end":1747.865},{"sentences":[{"text":"Yeah.","start":1748.75,"end":1749.25,"sentiment":"neutral","sentiment_score":-0.02490866184234619}],"sentiment":"neutral","sentiment_score":-0.02490866184234619,"channel":1,"num_words":1,"start":1748.75,"end":1749.25},{"sentences":[{"text":"Yeah.","start":1749.925,"end":1750.325,"sentiment":"neutral","sentiment_score":-0.07544789463281631},{"text":"It's very much not so much a stock standard.","start":1750.325,"end":1753.045,"sentiment":"neutral","sentiment_score":-0.27107176184654236},{"text":"It's very much a very an individual choice, But a lot of people going into sort of that retirement aspect, I do have some people who are comfortable in that balance sort of fifty fifty area.","start":1753.045,"end":1765.67,"sentiment":"positive","sentiment_score":0.3731715873711639},{"text":"There's nothing wrong with that in any way, shape, or form.","start":1765.67,"end":1768.97,"sentiment":"positive","sentiment_score":0.4264098107814789},{"text":"It generally still can suit, you know, someone who's got about three years to accessing a super.","start":1770.685,"end":1775.405,"sentiment":"positive","sentiment_score":0.4914201375316171}],"sentiment":"neutral","sentiment_score":0.323834238523567,"channel":0,"num_words":74,"start":1749.925,"end":1775.405},{"sentences":[{"text":"You can go into retirement in that sort of area.","start":1775.405,"end":1777.9651,"sentiment":"positive","sentiment_score":0.4505193442106247},{"text":"There's nothing wrong with it.","start":1777.9651,"end":1779.505,"sentiment":"neutral","sentiment_score":0.3174647927284241},{"text":"If we look at more of a balanced portfolio, which is more of a sixty thirty split, you'd be expecting or averaging returns of hopefully about five to 7% on a yearly basis.","start":1780.125,"end":1792.03,"sentiment":"neutral","sentiment_score":0.17543321588274205},{"text":"And you still have a negative return, the likelihood of a negative return, one in every seven years.","start":1792.3301,"end":1796.89,"sentiment":"negative","sentiment_score":-0.42580149322748184},{"text":"So it is still lowering the risk level, still expecting good return, but just not taking a huge amount of risk at the same time.","start":1796.89,"end":1805.6349,"sentiment":"neutral","sentiment_score":-0.13526990205049516}],"sentiment":"neutral","sentiment_score":0.00918284725848135,"channel":0,"num_words":91,"start":1775.405,"end":1805.6349},{"sentences":[{"text":"Does that make sense?","start":1805.6349,"end":1806.7749,"sentiment":"neutral","sentiment_score":0.06563379149883986}],"sentiment":"neutral","sentiment_score":0.06563379149883986,"channel":0,"num_words":4,"start":1805.6349,"end":1806.7749},{"sentences":[{"text":"Yeah.","start":1808.6549,"end":1809.0549,"sentiment":"neutral","sentiment_score":-0.014476228505373},{"text":"So","start":1809.0549,"end":1809.2949,"sentiment":"neutral","sentiment_score":-0.007865481078624725}],"sentiment":"neutral","sentiment_score":-0.011170854791998863,"channel":1,"num_words":2,"start":1808.6549,"end":1809.2949},{"sentences":[{"text":"Yeah.","start":1809.075,"end":1809.575,"sentiment":"neutral","sentiment_score":0.01940980926156044}],"sentiment":"neutral","sentiment_score":0.01940980926156044,"channel":0,"num_words":1,"start":1809.075,"end":1809.575},{"sentences":[{"text":"the fifty fifty is more of a risk than the seventy thirty.","start":1809.2949,"end":1813.5549,"sentiment":"neutral","sentiment_score":-0.047289385770757995}],"sentiment":"neutral","sentiment_score":-0.047289385770757995,"channel":1,"num_words":12,"start":1809.2949,"end":1813.5549},{"sentences":[{"text":"No.","start":1815.5299,"end":1815.69,"sentiment":"neutral","sentiment_score":-0.1410411149263382},{"text":"The fifty fifty is definitely less.","start":1815.69,"end":1818.11,"sentiment":"neutral","sentiment_score":-0.048891596496105194},{"text":"The 70","start":1818.1699,"end":1818.8899,"sentiment":"neutral","sentiment_score":0.13019317016005516}],"sentiment":"neutral","sentiment_score":-0.019333817064762115,"channel":0,"num_words":9,"start":1815.5299,"end":1818.8899},{"sentences":[{"text":"Yep.","start":1818.735,"end":1819.235,"sentiment":"neutral","sentiment_score":0.1029628962278366}],"sentiment":"neutral","sentiment_score":0.1029628962278366,"channel":1,"num_words":1,"start":1818.735,"end":1819.235},{"sentences":[{"text":"30 is taking more risk.","start":1818.8899,"end":1820.57,"sentiment":"neutral","sentiment_score":0.06403432488441467},{"text":"That's 70% growth investment, 30% defensive.","start":1820.57,"end":1824.645,"sentiment":"neutral","sentiment_score":0.10543176283439},{"text":"The other first one we went through, which is the defensive portfolio, which is sort of 30% growth, 70% defensive, that one is the lowest kind of risk that you do get.","start":1826.0651,"end":1836.15,"sentiment":"neutral","sentiment_score":0.07574836269486696},{"text":"But you're also taking a less returns in that kind of area.","start":1836.39,"end":1839.4501,"sentiment":"neutral","sentiment_score":-0.13580298982560635}],"sentiment":"neutral","sentiment_score":0.03176498054103418,"channel":0,"num_words":55,"start":1818.8899,"end":1839.4501},{"sentences":[{"text":"Okay.","start":1840.0951,"end":1840.5951,"sentiment":"neutral","sentiment_score":0.11690935492515564},{"text":"So the fifty fifty is sorta average.","start":1840.655,"end":1843.2351,"sentiment":"neutral","sentiment_score":0.16172914419855391}],"sentiment":"neutral","sentiment_score":0.15612667053937912,"channel":1,"num_words":8,"start":1840.0951,"end":1843.2351},{"sentences":[{"text":"Yeah.","start":1844.23,"end":1844.73,"sentiment":"neutral","sentiment_score":0.22670279443264008},{"text":"It's kind of in between the two lower profiles there.","start":1844.87,"end":1848.405,"sentiment":"neutral","sentiment_score":0.15838085412979125},{"text":"And I can look at building a portfolio for you that is going to give you that fifty fifty split.","start":1848.645,"end":1854.645,"sentiment":"positive","sentiment_score":0.34570636302232743},{"text":"We can incorporate maybe some commodities like gold and silver, which work both ways for you.","start":1854.645,"end":1860.485,"sentiment":"neutral","sentiment_score":0.3255391074344516},{"text":"So most people like gold.","start":1860.485,"end":1862.35,"sentiment":"positive","sentiment_score":0.37723791003227236}],"sentiment":"neutral","sentiment_score":0.3042202666401863,"channel":0,"num_words":52,"start":1844.23,"end":1862.35},{"sentences":[{"text":"Gold's been up, you know, really well over the past couple of years.","start":1862.35,"end":1866.05,"sentiment":"positive","sentiment_score":0.5436335343580979},{"text":"We can also yeah.","start":1866.99,"end":1868.9299,"sentiment":"positive","sentiment_score":0.4049942344427109},{"text":"I've been up very, very, very high.","start":1869.63,"end":1871.8099,"sentiment":"positive","sentiment_score":0.5818256139755249},{"text":"And it works it's a growth investment, so it does get really good growth, but it also can be defensive in nature.","start":1872.67,"end":1879.545,"sentiment":"positive","sentiment_score":0.4945015392520211},{"text":"Because when you kinda think back to the GFC or COVID, people move money into gold as a bit of a safe haven.","start":1879.545,"end":1886.285,"sentiment":"positive","sentiment_score":0.3333581437397262}],"sentiment":"positive","sentiment_score":0.45371396162047767,"channel":0,"num_words":69,"start":1862.35,"end":1886.285},{"sentences":[{"text":"So I can include some gold, maybe some silver, and look at adding some commodities in there for you as well to see if that kinda helps.","start":1886.3451,"end":1894.4,"sentiment":"neutral","sentiment_score":0.16174123601781}],"sentiment":"neutral","sentiment_score":0.16174123601781,"channel":0,"num_words":27,"start":1886.3451,"end":1894.4},{"sentences":[{"text":"Yeah.","start":1895.155,"end":1895.655,"sentiment":"neutral","sentiment_score":0.08472710847854614}],"sentiment":"neutral","sentiment_score":0.08472710847854614,"channel":1,"num_words":1,"start":1895.155,"end":1895.655},{"sentences":[{"text":"Yeah.","start":1896.22,"end":1896.72,"sentiment":"neutral","sentiment_score":0.07937951385974884},{"text":"And if we kind of look at this fifty fifty split to start with, if you decide in six months' time that it's not working, we can go back to the drawing board, and we can change the portfolio and reduce the risk even more.","start":1896.78,"end":1909.935,"sentiment":"neutral","sentiment_score":0.03802864944769276},{"text":"Does that sound comfortable for you both, or do you have further questions?","start":1909.935,"end":1913.555,"sentiment":"neutral","sentiment_score":0.07460265635297848},{"text":"Or","start":1913.615,"end":1914.115,"sentiment":"neutral","sentiment_score":0.02095137909054756}],"sentiment":"neutral","sentiment_score":0.046357577511419855,"channel":0,"num_words":60,"start":1896.22,"end":1914.115},{"sentences":[{"text":"No.","start":1914.945,"end":1915.265,"sentiment":"neutral","sentiment_score":0.04102851077914238},{"text":"That sounds good.","start":1915.265,"end":1916.225,"sentiment":"positive","sentiment_score":0.3420342803001404},{"text":"Thanks.","start":1916.225,"end":1916.725,"sentiment":"positive","sentiment_score":0.5086965560913086}],"sentiment":"neutral","sentiment_score":0.3151655815541744,"channel":1,"num_words":5,"start":1914.945,"end":1916.725},{"sentences":[{"text":"that sounds okay.","start":1916.5751,"end":1917.89,"sentiment":"positive","sentiment_score":0.41066234310468036},{"text":"Yeah.","start":1917.9501,"end":1918.1901,"sentiment":"neutral","sentiment_score":0.10117657482624054},{"text":"It's a little bit difficult because not everyone knows what they're comfortable with, and sometimes it's a matter of just, you know, going, yep.","start":1918.1901,"end":1924.8301,"sentiment":"neutral","sentiment_score":-0.12788935657590628},{"text":"Let's give this a try.","start":1924.8301,"end":1926.11,"sentiment":"neutral","sentiment_score":-0.04625700563192368},{"text":"If it doesn't if we're not comfortable with that, then we just alter and rejig it again for you.","start":1926.11,"end":1931.17,"sentiment":"neutral","sentiment_score":-0.1075473447379313}],"sentiment":"neutral","sentiment_score":-0.07713202945888042,"channel":0,"num_words":52,"start":1916.5751,"end":1931.17},{"sentences":[{"text":"I mean, we don't really understand it.","start":1932.6001,"end":1934.76,"sentiment":"neutral","sentiment_score":-0.20159399935177394},{"text":"So","start":1934.76,"end":1935.26,"sentiment":"neutral","sentiment_score":-0.05787453055381775}],"sentiment":"neutral","sentiment_score":-0.18362906575202942,"channel":1,"num_words":8,"start":1932.6001,"end":1935.26},{"sentences":[{"text":"Yeah.","start":1935.175,"end":1935.675,"sentiment":"neutral","sentiment_score":-0.012997366487979887}],"sentiment":"neutral","sentiment_score":-0.012997366487979887,"channel":0,"num_words":1,"start":1935.175,"end":1935.675},{"sentences":[{"text":"there is","start":1936.76,"end":1937.16,"sentiment":"neutral","sentiment_score":-0.009264301508665085}],"sentiment":"neutral","sentiment_score":-0.009264301508665085,"channel":1,"num_words":2,"start":1936.76,"end":1937.16},{"sentences":[{"text":"That","start":1937.095,"end":1937.335,"sentiment":"neutral","sentiment_score":0.018443748354911804}],"sentiment":"neutral","sentiment_score":0.018443748354911804,"channel":0,"num_words":1,"start":1937.095,"end":1937.335},{"sentences":[{"text":"and whatever.","start":1937.16,"end":1937.8201,"sentiment":"neutral","sentiment_score":0.021322302520275116}],"sentiment":"neutral","sentiment_score":0.021322302520275116,"channel":1,"num_words":2,"start":1937.16,"end":1937.8201},{"sentences":[{"text":"yeah.","start":1938.375,"end":1938.695,"sentiment":"neutral","sentiment_score":0.11228978633880617},{"text":"That's okay.","start":1938.695,"end":1939.415,"sentiment":"neutral","sentiment_score":0.20023874938488007},{"text":"Well, what I can do is I'll go back and I'll put together a portfolio for you with that kind of $50.50 split.","start":1939.415,"end":1945.355,"sentiment":"neutral","sentiment_score":0.2008719625680343},{"text":"I will show you the advice document.","start":1946.29,"end":1948.47,"sentiment":"neutral","sentiment_score":0.20208860295159475},{"text":"You'll see the investment, how much should be invested, and what this looks like in front of you in the advice document.","start":1948.61,"end":1954.77,"sentiment":"neutral","sentiment_score":0.2057320482351563}],"sentiment":"neutral","sentiment_score":0.2013372310183265,"channel":0,"num_words":55,"start":1938.375,"end":1954.77},{"sentences":[{"text":"So it'll be a little bit easier just to be able to look at that, you know, and go through the advice and read that.","start":1954.77,"end":1961.385,"sentiment":"neutral","sentiment_score":0.19598583936691283},{"text":"Does that sound okay?","start":1961.385,"end":1962.605,"sentiment":"neutral","sentiment_score":0.15357457473874092}],"sentiment":"neutral","sentiment_score":0.19013600976302705,"channel":0,"num_words":29,"start":1954.77,"end":1962.605},{"sentences":[{"text":"Yep.","start":1963.17,"end":1963.65,"sentiment":"neutral","sentiment_score":0.1678560972213745},{"text":"Thanks.","start":1963.65,"end":1964.15,"sentiment":"positive","sentiment_score":0.39039504528045654}],"sentiment":"neutral","sentiment_score":0.2791255712509155,"channel":1,"num_words":2,"start":1963.17,"end":1964.15},{"sentences":[{"text":"Yeah.","start":1964.345,"end":1964.6649,"sentiment":"neutral","sentiment_score":0.2707858681678772},{"text":"That's okay.","start":1964.6649,"end":1965.565,"sentiment":"positive","sentiment_score":0.41925758123397827},{"text":"Beautiful.","start":1967.385,"end":1967.865,"sentiment":"positive","sentiment_score":0.5882284641265869},{"text":"So I'll go back and do a bit more research on your portfolios, have a look at where we are, and we'll look at doing something with that 50% growth, 50% defensive.","start":1967.865,"end":1975.4049,"sentiment":"neutral","sentiment_score":0.21617788262665272},{"text":"Oh, your super funds aren't doing too bad, but I will just go back and review those for you.","start":1976.58,"end":1980.74,"sentiment":"neutral","sentiment_score":0.22540166660359032}],"sentiment":"neutral","sentiment_score":0.2345064255324277,"channel":0,"num_words":55,"start":1964.345,"end":1980.74},{"sentences":[{"text":"And then we're looking forward to there, Robin, when you turn 67 based on the current pension rates because I can't predict what they're gonna increase to then, and also look at how much super you may need to draw out.","start":1980.74,"end":1994.755,"sentiment":"neutral","sentiment_score":0.16116541278798405},{"text":"I can look at both of your supers and work out how we draw that money out and how long that might last and show you what that looks like.","start":1994.755,"end":2001.81,"sentiment":"neutral","sentiment_score":0.18504142525295417},{"text":"Are you both comfortable with that, or have I missed anything?","start":2002.05,"end":2004.77,"sentiment":"neutral","sentiment_score":0.04197659343481064},{"text":"Is there anything else you wanted me to sort of incorporate for you?","start":2004.77,"end":2007.9901,"sentiment":"neutral","sentiment_score":0.06481729361873406}],"sentiment":"neutral","sentiment_score":0.14171991607076243,"channel":0,"num_words":95,"start":1980.74,"end":2007.9901},{"sentences":[{"text":"No.","start":2008.8251,"end":2008.9851,"sentiment":"neutral","sentiment_score":-0.05394089594483375},{"text":"That's all.","start":2008.9851,"end":2009.805,"sentiment":"neutral","sentiment_score":0.03057894390076399},{"text":"Thanks.","start":2009.9451,"end":2010.4451,"sentiment":"positive","sentiment_score":0.49949926137924194}],"sentiment":"neutral","sentiment_score":0.12667906330898404,"channel":1,"num_words":4,"start":2008.8251,"end":2010.4451},{"sentences":[{"text":"That sounds okay?","start":2010.3701,"end":2011.5901,"sentiment":"positive","sentiment_score":0.5035246213277181},{"text":"Beautiful.","start":2011.81,"end":2012.31,"sentiment":"positive","sentiment_score":0.7880780696868896},{"text":"Lovely.","start":2014.405,"end":2014.885,"sentiment":"positive","sentiment_score":0.7596124410629272},{"text":"Now, Robin, I can also see here you have made some extra contributions to Super, which is great.","start":2014.885,"end":2020.985,"sentiment":"positive","sentiment_score":0.49088384707768756}],"sentiment":"positive","sentiment_score":0.5171379835709281,"channel":0,"num_words":23,"start":2010.3701,"end":2020.985},{"sentences":[{"text":"Yeah.","start":2021.79,"end":2022.29,"sentiment":"neutral","sentiment_score":0.1150488406419754}],"sentiment":"neutral","sentiment_score":0.1150488406419754,"channel":1,"num_words":1,"start":2021.79,"end":2022.29},{"sentences":[{"text":"I know you","start":2022.485,"end":2023.045,"sentiment":"neutral","sentiment_score":0.02877555601298809}],"sentiment":"neutral","sentiment_score":0.02877555601298809,"channel":0,"num_words":3,"start":2022.485,"end":2023.045},{"sentences":[{"text":"Not","start":2022.91,"end":2023.15,"sentiment":"neutral","sentiment_score":-0.03141789883375168}],"sentiment":"neutral","sentiment_score":-0.03141789883375168,"channel":1,"num_words":1,"start":2022.91,"end":2023.15},{"sentences":[{"text":"spoke","start":2023.045,"end":2023.365,"sentiment":"neutral","sentiment_score":-0.03361944854259491}],"sentiment":"neutral","sentiment_score":-0.03361944854259491,"channel":0,"num_words":1,"start":2023.045,"end":2023.365},{"sentences":[{"text":"much.","start":2023.15,"end":2023.65,"sentiment":"neutral","sentiment_score":-0.042054153978824615}],"sentiment":"neutral","sentiment_score":-0.042054153978824615,"channel":1,"num_words":1,"start":2023.15,"end":2023.65},{"sentences":[{"text":"to my colleague.","start":2023.365,"end":2024.265,"sentiment":"neutral","sentiment_score":-0.021864346228539944},{"text":"That's okay.","start":2024.645,"end":2025.365,"sentiment":"neutral","sentiment_score":0.09272468462586403},{"text":"A thousand dollars is still a thousand dollars.","start":2025.365,"end":2027.705,"sentiment":"neutral","sentiment_score":0.00032790936529636383},{"text":"That's quite a lot of money when you think about it.","start":2028.0499,"end":2029.8099,"sentiment":"neutral","sentiment_score":-0.036724768579006195},{"text":"It's like a week's worth of income.","start":2029.8099,"end":2031.35,"sentiment":"neutral","sentiment_score":0.015453189445127333}],"sentiment":"neutral","sentiment_score":-0.005590984605312828,"channel":0,"num_words":31,"start":2023.365,"end":2031.35},{"sentences":[{"text":"Yeah.","start":2032.765,"end":2033.085,"sentiment":"neutral","sentiment_score":0.02276620641350746},{"text":"It's a couple of weeks' worth.","start":2033.085,"end":2034.285,"sentiment":"neutral","sentiment_score":0.02353033112982909},{"text":"Yeah.","start":2034.285,"end":2034.785,"sentiment":"neutral","sentiment_score":0.03260260820388794}],"sentiment":"neutral","sentiment_score":0.024568850174546242,"channel":1,"num_words":8,"start":2032.765,"end":2034.785},{"sentences":[{"text":"Yeah.","start":2035.1699,"end":2035.6699,"sentiment":"neutral","sentiment_score":0.034596994519233704},{"text":"So with that at the moment, because it has been made put into the super fund as a nonconcessional contribution, that essentially means that, like, when your employer contributions go in their concessional, so taxes taken out of that contribution when it hits the fund.","start":2036.53,"end":2053.365,"sentiment":"neutral","sentiment_score":0.03341146036982536},{"text":"With the money you've been putting in, which I believe is about $20 per week.","start":2053.8398,"end":2057.76,"sentiment":"neutral","sentiment_score":0.03307554523150126},{"text":"Is that right?","start":2057.76,"end":2058.66,"sentiment":"neutral","sentiment_score":0.038937622060378395}],"sentiment":"neutral","sentiment_score":0.03361029305960983,"channel":0,"num_words":64,"start":2035.1699,"end":2058.66},{"sentences":[{"text":"Yeah.","start":2059.06,"end":2059.56,"sentiment":"neutral","sentiment_score":0.04795505106449127}],"sentiment":"neutral","sentiment_score":0.04795505106449127,"channel":1,"num_words":1,"start":2059.06,"end":2059.56},{"sentences":[{"text":"Yeah.","start":2060.16,"end":2060.48,"sentiment":"neutral","sentiment_score":0.062194205820560455},{"text":"So that money goes in there from your after tax income, which means a 100% of that money is invested into the market.","start":2060.48,"end":2067.8599,"sentiment":"neutral","sentiment_score":0.08912454027196635},{"text":"You can choose to claim it as a tax deduction.","start":2069.0151,"end":2072.0552,"sentiment":"neutral","sentiment_score":0.1277738831937313},{"text":"So I know Samantha spoke to you about claiming a notice of intent.","start":2072.0552,"end":2077.5752,"sentiment":"neutral","sentiment_score":0.05541207268834114},{"text":"So if you wanted to, with that thousand dollars that you have put in there, and you've probably got another two contributions to go in, so it'll be a little bit more than that by the end of the financial year.","start":2077.5752,"end":2087.94,"sentiment":"neutral","sentiment_score":0.06711056183387594}],"sentiment":"neutral","sentiment_score":0.07797372095625509,"channel":0,"num_words":88,"start":2060.16,"end":2087.94},{"sentences":[{"text":"But what we can do is after the July 1, is we can claim what's called a notice of intent to claim against that money.","start":2087.94,"end":2095.4,"sentiment":"neutral","sentiment_score":0.05583034947514534},{"text":"That essentially tells the Superfund that you're gonna claim that thousand dollars as a tax deduction, and they would take tax out of that money.","start":2096.125,"end":2104.705,"sentiment":"neutral","sentiment_score":0.07447978600859642},{"text":"And then once that tax is being taken out, that thousand dollars, you can tell your accountant you've contributed to super, and they can add that $1,000 to your tax return to give you a tax deduction.","start":2105.0852,"end":2116.69,"sentiment":"neutral","sentiment_score":0.11834874668636837},{"text":"Does that make sense?","start":2116.75,"end":2117.81,"sentiment":"neutral","sentiment_score":0.09974761120975018}],"sentiment":"neutral","sentiment_score":0.08830381823437554,"channel":0,"num_words":91,"start":2087.94,"end":2117.81},{"sentences":[{"text":"Yeah.","start":2119.205,"end":2119.5251,"sentiment":"neutral","sentiment_score":0.20411907136440277},{"text":"So it's worthwhile doing.","start":2119.5251,"end":2121.065,"sentiment":"positive","sentiment_score":0.3430812135338783}],"sentiment":"neutral","sentiment_score":0.3152887850999832,"channel":1,"num_words":5,"start":2119.205,"end":2121.065},{"sentences":[{"text":"It gen when you're working, it generally can be.","start":2121.885,"end":2125.0852,"sentiment":"neutral","sentiment_score":0.08384610795312458},{"text":"What's your do you know roughly what your income is for this year at the moment?","start":2125.0852,"end":2129.5852,"sentiment":"neutral","sentiment_score":0.012259801267646253}],"sentiment":"neutral","sentiment_score":0.03803087167441845,"channel":0,"num_words":25,"start":2121.885,"end":2129.5852},{"sentences":[{"text":"Not really, but I bring home about 500 most sweets.","start":2132.3098,"end":2138.5698,"sentiment":"neutral","sentiment_score":0.05547695942223072}],"sentiment":"neutral","sentiment_score":0.05547695942223072,"channel":1,"num_words":10,"start":2132.3098,"end":2138.5698},{"sentences":[{"text":"Okay.","start":2139.74,"end":2140.24,"sentiment":"neutral","sentiment_score":0.021968510001897812},{"text":"Do you have do you know what your gross is before that 500?","start":2142.54,"end":2147.2,"sentiment":"neutral","sentiment_score":0.006994561435511479}],"sentiment":"neutral","sentiment_score":0.00806412919025336,"channel":0,"num_words":14,"start":2139.74,"end":2147.2},{"sentences":[{"text":"Well, if I work the sixteen hours a week, I bring home $5.39.","start":2149.565,"end":2155.1648,"sentiment":"neutral","sentiment_score":0.0867187289091257},{"text":"So it would only be about $30 tax on that at the most,","start":2155.1648,"end":2159.01,"sentiment":"neutral","sentiment_score":0.13814470859674308}],"sentiment":"neutral","sentiment_score":0.11243171875293438,"channel":1,"num_words":26,"start":2149.565,"end":2159.01},{"sentences":[{"text":"Okay.","start":2158.885,"end":2159.385,"sentiment":"neutral","sentiment_score":0.13173162937164307}],"sentiment":"neutral","sentiment_score":0.13173162937164307,"channel":0,"num_words":1,"start":2158.885,"end":2159.385},{"sentences":[{"text":"I reckon.","start":2159.01,"end":2159.59,"sentiment":"neutral","sentiment_score":0.1339298039674759}],"sentiment":"neutral","sentiment_score":0.1339298039674759,"channel":1,"num_words":2,"start":2159.01,"end":2159.59},{"sentences":[{"text":"So we'll just pop the $30","start":2160.5,"end":2162.26,"sentiment":"neutral","sentiment_score":0.17213868473966917}],"sentiment":"neutral","sentiment_score":0.17213868473966917,"channel":0,"num_words":6,"start":2160.5,"end":2162.26},{"sentences":[{"text":"Five","start":2162.1301,"end":2162.45,"sentiment":"neutral","sentiment_score":0.1862097978591919}],"sentiment":"neutral","sentiment_score":0.1862097978591919,"channel":1,"num_words":1,"start":2162.1301,"end":2162.45},{"sentences":[{"text":"on there.","start":2162.26,"end":2162.92,"sentiment":"neutral","sentiment_score":0.15586256235837936}],"sentiment":"neutral","sentiment_score":0.15586256235837936,"channel":0,"num_words":2,"start":2162.26,"end":2162.92},{"sentences":[{"text":"$5.70 or something.","start":2162.45,"end":2164.07,"sentiment":"neutral","sentiment_score":0.0888042872150739}],"sentiment":"neutral","sentiment_score":0.0888042872150739,"channel":1,"num_words":3,"start":2162.45,"end":2164.07},{"sentences":[{"text":"Yeah.","start":2164.58,"end":2164.98,"sentiment":"neutral","sentiment_score":0.2175566852092743},{"text":"That's okay.","start":2164.98,"end":2165.6199,"sentiment":"positive","sentiment_score":0.38009874522686005},{"text":"That sounds about right.","start":2165.6199,"end":2166.92,"sentiment":"positive","sentiment_score":0.34921441227197647},{"text":"So it says $5.70 gross, and that's on a weekly basis.","start":2166.98,"end":2170.5999,"sentiment":"neutral","sentiment_score":0.16831999204375528}],"sentiment":"neutral","sentiment_score":0.23478509651290047,"channel":0,"num_words":18,"start":2164.58,"end":2170.5999},{"sentences":[{"text":"Yeah.","start":2171.33,"end":2171.83,"sentiment":"neutral","sentiment_score":0.16192078590393066}],"sentiment":"neutral","sentiment_score":0.16192078590393066,"channel":1,"num_words":1,"start":2171.33,"end":2171.83},{"sentences":[{"text":"Yeah.","start":2172.5151,"end":2172.995,"sentiment":"neutral","sentiment_score":0.1399269700050354}],"sentiment":"neutral","sentiment_score":0.1399269700050354,"channel":0,"num_words":1,"start":2172.5151,"end":2172.995},{"sentences":[{"text":"If I","start":2172.69,"end":2173.01,"sentiment":"neutral","sentiment_score":0.1008935235440731}],"sentiment":"neutral","sentiment_score":0.1008935235440731,"channel":1,"num_words":2,"start":2172.69,"end":2173.01},{"sentences":[{"text":"So","start":2172.995,"end":2173.235,"sentiment":"neutral","sentiment_score":0.06868869066238403}],"sentiment":"neutral","sentiment_score":0.06868869066238403,"channel":0,"num_words":1,"start":2172.995,"end":2173.235},{"sentences":[{"text":"would","start":2173.01,"end":2173.51,"sentiment":"neutral","sentiment_score":0.09283684194087982}],"sentiment":"neutral","sentiment_score":0.09283684194087982,"channel":1,"num_words":1,"start":2173.01,"end":2173.51},{"sentences":[{"text":"just to","start":2173.235,"end":2173.475,"sentiment":"neutral","sentiment_score":0.07256618887186049}],"sentiment":"neutral","sentiment_score":0.07256618887186049,"channel":0,"num_words":2,"start":2173.235,"end":2173.475},{"sentences":[{"text":"work at","start":2173.875,"end":2174.615,"sentiment":"neutral","sentiment_score":0.05716930329799652}],"sentiment":"neutral","sentiment_score":0.05716930329799652,"channel":1,"num_words":2,"start":2173.875,"end":2174.615},{"sentences":[{"text":"yeah.","start":2174.2751,"end":2174.5952,"sentiment":"neutral","sentiment_score":0.14922146499156952},{"text":"That's that's okay.","start":2174.5952,"end":2176.5352,"sentiment":"neutral","sentiment_score":0.26635632912317914},{"text":"Let's have a look.","start":2176.915,"end":2177.8152,"sentiment":"neutral","sentiment_score":0.09829586558043957}],"sentiment":"neutral","sentiment_score":0.16768423933535814,"channel":0,"num_words":8,"start":2174.2751,"end":2177.8152},{"sentences":[{"text":"all.","start":2177.795,"end":2178.045,"sentiment":"neutral","sentiment_score":0.06846445798873901},{"text":"Yeah.","start":2178.045,"end":2178.545,"sentiment":"neutral","sentiment_score":0.10714311897754668}],"sentiment":"neutral","sentiment_score":0.08780378848314285,"channel":1,"num_words":2,"start":2177.795,"end":2178.545},{"sentences":[{"text":"So $5.70 on a weekly basis.","start":2178.435,"end":2181.3352,"sentiment":"neutral","sentiment_score":0.18014221265912056},{"text":"Roughly gives you, say, a gross income, give or take, essentially, of about 29,640.","start":2182.8352,"end":2191.93,"sentiment":"neutral","sentiment_score":0.1729445340377944},{"text":"So then you're making a voluntary contribution of $20 per week, which works out to be over fifty two weeks, a thousand and $40.","start":2192.95,"end":2208.1848,"sentiment":"neutral","sentiment_score":0.28434018418192863},{"text":"So then if you claimed that as a as a tax deduction, it essentially and this is not including any other options.","start":2210.325,"end":2219.51,"sentiment":"neutral","sentiment_score":0.16548768464814534},{"text":"This is just kinda general looking at the numbers at the moment.","start":2219.51,"end":2222.73,"sentiment":"neutral","sentiment_score":0.17369049849609533}],"sentiment":"neutral","sentiment_score":0.20578533611618555,"channel":0,"num_words":78,"start":2178.435,"end":2222.73},{"sentences":[{"text":"But, essentially, that 1,040, if you added that as a tax deduction and claim and notice of intent, can essentially reduce your taxable income down.","start":2223.8298,"end":2235.695,"sentiment":"neutral","sentiment_score":0.30950283378362653},{"text":"Where is sorry.","start":2238.715,"end":2241.195,"sentiment":"neutral","sentiment_score":-0.2325261135896047},{"text":"My computer's frozen slightly because it takes into account tax changes.","start":2241.195,"end":2247.18,"sentiment":"negative","sentiment_score":-0.4127267870036038},{"text":"Six six seven.","start":2247.92,"end":2250.92,"sentiment":"neutral","sentiment_score":-0.0051225485901037855},{"text":"Yeah.","start":2250.92,"end":2251.42,"sentiment":"neutral","sentiment_score":0.27530935406684875}],"sentiment":"neutral","sentiment_score":0.06418464081578476,"channel":0,"num_words":43,"start":2223.8298,"end":2251.42},{"sentences":[{"text":"So that would save you roughly about you get basically a whole offset.","start":2251.72,"end":2257.415,"sentiment":"positive","sentiment_score":0.41628132875149065},{"text":"So you could reduce your taxable income by about that 1,040.","start":2257.415,"end":2261.595,"sentiment":"neutral","sentiment_score":0.31157151000066236}],"sentiment":"positive","sentiment_score":0.36828932849069435,"channel":0,"num_words":24,"start":2251.72,"end":2261.595},{"sentences":[{"text":"Okay.","start":2262.825,"end":2263.325,"sentiment":"positive","sentiment_score":0.3491489291191101}],"sentiment":"positive","sentiment_score":0.3491489291191101,"channel":1,"num_words":1,"start":2262.825,"end":2263.325},{"sentences":[{"text":"Yeah.","start":2264.295,"end":2264.795,"sentiment":"positive","sentiment_score":0.46532565355300903}],"sentiment":"positive","sentiment_score":0.46532565355300903,"channel":0,"num_words":1,"start":2264.295,"end":2264.795},{"sentences":[{"text":"That'll be worth all doing.","start":2264.585,"end":2266.205,"sentiment":"positive","sentiment_score":0.5041773021221161}],"sentiment":"positive","sentiment_score":0.5041773021221161,"channel":1,"num_words":5,"start":2264.585,"end":2266.205},{"sentences":[{"text":"Yeah.","start":2266.695,"end":2267.195,"sentiment":"neutral","sentiment_score":0.28513646125793457},{"text":"Well, at the moment, if I'm looking at the tax bracket you're in, so you are in the lowest tax bracket.","start":2267.81,"end":2273.83,"sentiment":"neutral","sentiment_score":0.11281827269565492}],"sentiment":"neutral","sentiment_score":0.12065091763030399,"channel":0,"num_words":22,"start":2266.695,"end":2273.83},{"sentences":[{"text":"Yes.","start":2274.8499,"end":2275.3499,"sentiment":"neutral","sentiment_score":0.30556684732437134}],"sentiment":"neutral","sentiment_score":0.30556684732437134,"channel":1,"num_words":1,"start":2274.8499,"end":2275.3499},{"sentences":[{"text":"So you're in that sort of 16% tax bracket there.","start":2274.93,"end":2277.99,"sentiment":"positive","sentiment_score":0.3432006150484085},{"text":"If I'm reapplying that, it keeps you in the same tax bracket.","start":2278.13,"end":2282.39,"sentiment":"positive","sentiment_score":0.4275326455632846},{"text":"It just gives you a little bit more of a tax deduction, which might give you a little bit more of a refund.","start":2282.735,"end":2287.955,"sentiment":"positive","sentiment_score":0.42392068453457044},{"text":"This, you know, help get a little bit more tax back at the end of the year, which is ultimately what you kind of want, a bit more tax back.","start":2288.095,"end":2295.235,"sentiment":"positive","sentiment_score":0.4892614483833313}],"sentiment":"positive","sentiment_score":0.4398722279071808,"channel":0,"num_words":75,"start":2274.93,"end":2295.235},{"sentences":[{"text":"Yes.","start":2295.825,"end":2296.325,"sentiment":"neutral","sentiment_score":0.009852061979472635}],"sentiment":"neutral","sentiment_score":0.009852061979472635,"channel":1,"num_words":1,"start":2295.825,"end":2296.325},{"sentences":[{"text":"The money when you claim that notice of intent inside super, it means the super fund does take 15% tax out of those that money.","start":2296.34,"end":2305.4,"sentiment":"neutral","sentiment_score":0.019365736842155458},{"text":"But with $1,040, it would be about a $156 in tax.","start":2305.94,"end":2311.915,"sentiment":"neutral","sentiment_score":0.1425577557899735},{"text":"So you would still have quite a lot of that money invested.","start":2312.7751,"end":2316.475,"sentiment":"positive","sentiment_score":0.3956511666377385},{"text":"You'd still have $884 roughly invested in the super fund working harder for you, and then you can claim that 1,040 as a tax deduction and hopefully get a bit more of a tax return.","start":2318.695,"end":2331.0798,"sentiment":"positive","sentiment_score":0.5596534320286342},{"text":"Does that sound","start":2331.0798,"end":2331.98,"sentiment":"neutral","sentiment_score":0.1626557062069575}],"sentiment":"neutral","sentiment_score":0.31251081365138983,"channel":0,"num_words":86,"start":2296.34,"end":2331.98},{"sentences":[{"text":"Yep.","start":2334.0,"end":2334.5,"sentiment":"neutral","sentiment_score":0.21806173026561737}],"sentiment":"neutral","sentiment_score":0.21806173026561737,"channel":1,"num_words":1,"start":2334.0,"end":2334.5},{"sentences":[{"text":"okay?","start":2334.695,"end":2335.195,"sentiment":"neutral","sentiment_score":0.1184779331088066}],"sentiment":"neutral","sentiment_score":0.1184779331088066,"channel":0,"num_words":1,"start":2334.695,"end":2335.195},{"sentences":[{"text":"That's the question.","start":2336.24,"end":2337.1401,"sentiment":"neutral","sentiment_score":-0.02110538228104512},{"text":"Does the government I know years ago when I was working for someone else, I put $20 in a week to my super, and the government had to match up to a certain amount.","start":2337.52,"end":2349.9048,"sentiment":"neutral","sentiment_score":-0.011412472245009506},{"text":"Do they still do that?","start":2349.9048,"end":2351.2048,"sentiment":"neutral","sentiment_score":-0.05775306150317192}],"sentiment":"neutral","sentiment_score":-0.0176215597783171,"channel":1,"num_words":42,"start":2336.24,"end":2351.2048},{"sentences":[{"text":"Yeah.","start":2351.75,"end":2352.23,"sentiment":"neutral","sentiment_score":0.17337799072265625},{"text":"So that's essentially the government co contribution.","start":2352.23,"end":2355.53,"sentiment":"neutral","sentiment_score":0.20094025135040283},{"text":"And because your income is under the threshold there, if you do make the contribution, it absolutely can count.","start":2355.8298,"end":2365.6948,"sentiment":"positive","sentiment_score":0.35484806095298965},{"text":"I'm just not sure if it's if we change the contribution if it does.","start":2368.875,"end":2372.94,"sentiment":"neutral","sentiment_score":-0.1652286739221641},{"text":"But making that contribution, the thousand dollars there, does make you eligible for the go the government sorry, government co contribution.","start":2373.08,"end":2380.46,"sentiment":"positive","sentiment_score":0.33473666650908335}],"sentiment":"neutral","sentiment_score":0.21029583016230213,"channel":0,"num_words":62,"start":2351.75,"end":2380.46},{"sentences":[{"text":"And that's $500 that gets added to your suit.","start":2381.1602,"end":2383.96,"sentiment":"neutral","sentiment_score":0.20812911291917166},{"text":"They don't match it anymore.","start":2383.96,"end":2385.08,"sentiment":"neutral","sentiment_score":-0.22859026342630387},{"text":"They just do a maximum of $500.","start":2385.08,"end":2387.5,"sentiment":"neutral","sentiment_score":-0.061252549822841375}],"sentiment":"neutral","sentiment_score":0.014354421446720758,"channel":0,"num_words":21,"start":2381.1602,"end":2387.5},{"sentences":[{"text":"Yep.","start":2388.04,"end":2388.54,"sentiment":"neutral","sentiment_score":0.14582805335521698}],"sentiment":"neutral","sentiment_score":0.14582805335521698,"channel":1,"num_words":1,"start":2388.04,"end":2388.54},{"sentences":[{"text":"I just need to check if because I'm not sure if I change if we claim a notice of intent, if they still get the the tax deduction.","start":2388.305,"end":2397.1848,"sentiment":"neutral","sentiment_score":-0.08847081075821604},{"text":"So give me one second.","start":2397.1848,"end":2398.3848,"sentiment":"neutral","sentiment_score":0.020565634220838548},{"text":"I'm just gonna have a quick look on that one for you.","start":2398.3848,"end":2400.805,"sentiment":"neutral","sentiment_score":0.10136298835277557}],"sentiment":"neutral","sentiment_score":-0.02573330377538999,"channel":0,"num_words":45,"start":2388.305,"end":2400.805},{"sentences":[{"text":"Yep.","start":2401.375,"end":2401.875,"sentiment":"neutral","sentiment_score":0.162514790892601}],"sentiment":"neutral","sentiment_score":0.162514790892601,"channel":1,"num_words":1,"start":2401.375,"end":2401.875},{"sentences":[{"text":"Yeah.","start":2440.295,"end":2440.695,"sentiment":"neutral","sentiment_score":0.20633134245872495},{"text":"So if you do claim the notice of intent, it changes the contribution amount, and they don't pay the government co contributions.","start":2440.695,"end":2449.915,"sentiment":"neutral","sentiment_score":-0.0031339028342203647},{"text":"So,","start":2450.295,"end":2450.795,"sentiment":"neutral","sentiment_score":0.007303319871425629}],"sentiment":"neutral","sentiment_score":0.006028699999054273,"channel":0,"num_words":24,"start":2440.295,"end":2450.795},{"sentences":[{"text":"So I'd be","start":2451.135,"end":2451.7751,"sentiment":"neutral","sentiment_score":0.07275490711132686}],"sentiment":"neutral","sentiment_score":0.07275490711132686,"channel":1,"num_words":3,"start":2451.135,"end":2451.7751},{"sentences":[{"text":"yeah,","start":2451.7349,"end":2452.055,"sentiment":"neutral","sentiment_score":0.09165962785482408}],"sentiment":"neutral","sentiment_score":0.09165962785482408,"channel":0,"num_words":1,"start":2451.7349,"end":2452.055},{"sentences":[{"text":"better off","start":2451.7751,"end":2452.2551,"sentiment":"neutral","sentiment_score":0.06511225551366806}],"sentiment":"neutral","sentiment_score":0.06511225551366806,"channel":1,"num_words":2,"start":2451.7751,"end":2452.2551},{"sentences":[{"text":"it more","start":2452.055,"end":2452.455,"sentiment":"neutral","sentiment_score":0.09878440946340561}],"sentiment":"neutral","sentiment_score":0.09878440946340561,"channel":0,"num_words":2,"start":2452.055,"end":2452.455},{"sentences":[{"text":"in, like,","start":2452.2551,"end":2452.655,"sentiment":"neutral","sentiment_score":0.11209790408611298}],"sentiment":"neutral","sentiment_score":0.11209790408611298,"channel":1,"num_words":2,"start":2452.2551,"end":2452.655},{"sentences":[{"text":"does","start":2452.455,"end":2452.83,"sentiment":"neutral","sentiment_score":0.07442522048950195}],"sentiment":"neutral","sentiment_score":0.07442522048950195,"channel":0,"num_words":1,"start":2452.455,"end":2452.83},{"sentences":[{"text":"twenty minutes.","start":2452.655,"end":2453.475,"sentiment":"neutral","sentiment_score":0.14132291078567505}],"sentiment":"neutral","sentiment_score":0.14132291078567505,"channel":1,"num_words":2,"start":2452.655,"end":2453.475},{"sentences":[{"text":"well, if you don't claim that notice of intent, obviously, with the government co contribution, that's an extra $500 that goes into your super, but it also does mean that there's no tax taken out of that money.","start":2454.1902,"end":2466.3252,"sentiment":"neutral","sentiment_score":0.2780600964630905},{"text":"So out of the 1,040, that whole 1,040 remains invested for you.","start":2466.3252,"end":2472.185,"sentiment":"positive","sentiment_score":0.4515319789449374},{"text":"So it's completely","start":2472.645,"end":2473.5251,"sentiment":"positive","sentiment_score":0.4832662045955658}],"sentiment":"neutral","sentiment_score":0.3289521891834601,"channel":0,"num_words":53,"start":2454.1902,"end":2473.5251},{"sentences":[{"text":"Okay.","start":2473.0999,"end":2473.5999,"sentiment":"positive","sentiment_score":0.4803216159343719}],"sentiment":"positive","sentiment_score":0.4803216159343719,"channel":1,"num_words":1,"start":2473.0999,"end":2473.5999},{"sentences":[{"text":"up to you.","start":2473.5251,"end":2473.925,"sentiment":"neutral","sentiment_score":0.14179796601335207},{"text":"But, realistically, I mean, the tax while it reduces your taxable income, you're in the lowest tax bracket, so it's not a huge amount.","start":2473.925,"end":2481.6199,"sentiment":"neutral","sentiment_score":0.1638029245659709},{"text":"You don't get the whole 1,000.","start":2482.0,"end":2483.76,"sentiment":"neutral","sentiment_score":0.12272443373998006},{"text":"But I say, you know, it kind of goes on the amount of tax paid.","start":2483.76,"end":2487.8599,"sentiment":"neutral","sentiment_score":0.12190059969822566},{"text":"But, theoretically, keeping that money non concessional in super and having it all invested and then getting that government co contribution payment up to $500, that essentially does mean you'd have more money in your super working harder for you at the end of the day and does tend does sort of show from what I'm looking at to be of greater benefit to you rather than claiming that amount back.","start":2489.44,"end":2513.75,"sentiment":"neutral","sentiment_score":0.31854028548573105}],"sentiment":"neutral","sentiment_score":0.24821747861364307,"channel":0,"num_words":119,"start":2473.5251,"end":2513.75},{"sentences":[{"text":"Does that make sense?","start":2513.75,"end":2514.81,"sentiment":"neutral","sentiment_score":0.11658511869609356}],"sentiment":"neutral","sentiment_score":0.11658511869609356,"channel":0,"num_words":4,"start":2513.75,"end":2514.81},{"sentences":[{"text":"Yeah.","start":2515.0898,"end":2515.41,"sentiment":"neutral","sentiment_score":0.07154424488544464},{"text":"Well, I'll do that.","start":2515.41,"end":2516.29,"sentiment":"neutral","sentiment_score":0.07283693738281727},{"text":"I just won't claim it.","start":2516.29,"end":2518.07,"sentiment":"neutral","sentiment_score":-0.009465370699763298}],"sentiment":"neutral","sentiment_score":0.03155651409178972,"channel":1,"num_words":10,"start":2515.0898,"end":2518.07},{"sentences":[{"text":"Yeah.","start":2517.83,"end":2518.33,"sentiment":"neutral","sentiment_score":0.2280149906873703},{"text":"That's absolutely fine.","start":2518.95,"end":2520.6501,"sentiment":"positive","sentiment_score":0.42134196559588116},{"text":"And you're happy to continue making that $20 every week as well up until the point you stop working?","start":2521.67,"end":2527.325,"sentiment":"positive","sentiment_score":0.38004092009443985}],"sentiment":"positive","sentiment_score":0.3788181899682335,"channel":0,"num_words":23,"start":2517.83,"end":2527.325},{"sentences":[{"text":"Yeah.","start":2527.97,"end":2528.29,"sentiment":"neutral","sentiment_score":0.1369743049144745},{"text":"I'll be making it for a while.","start":2528.29,"end":2530.07,"sentiment":"neutral","sentiment_score":0.14420694432088307},{"text":"A few years","start":2530.255,"end":2531.075,"sentiment":"neutral","sentiment_score":0.0706411674618721}],"sentiment":"neutral","sentiment_score":0.12348603795875203,"channel":1,"num_words":11,"start":2527.97,"end":2531.075},{"sentences":[{"text":"Yes.","start":2530.585,"end":2531.085,"sentiment":"neutral","sentiment_score":0.2770257890224457},{"text":"Beautiful.","start":2531.145,"end":2531.645,"sentiment":"positive","sentiment_score":0.5525962114334106}],"sentiment":"positive","sentiment_score":0.41481100022792816,"channel":0,"num_words":2,"start":2530.585,"end":2531.645},{"sentences":[{"text":"for","start":2531.375,"end":2531.875,"sentiment":"neutral","sentiment_score":0.3112141489982605}],"sentiment":"neutral","sentiment_score":0.3112141489982605,"channel":1,"num_words":1,"start":2531.375,"end":2531.875},{"sentences":[{"text":"Yeah.","start":2532.025,"end":2532.525,"sentiment":"positive","sentiment_score":0.4200272858142853},{"text":"Perfect.","start":2533.225,"end":2533.725,"sentiment":"positive","sentiment_score":0.6467233300209045},{"text":"We'll make sure we have that in the advice for you as well and factor in that government co contribution for you because long term, that","start":2534.345,"end":2541.98,"sentiment":"positive","sentiment_score":0.38186698922744167}],"sentiment":"positive","sentiment_score":0.392689011991024,"channel":0,"num_words":28,"start":2532.025,"end":2541.98},{"sentences":[{"text":"me.","start":2541.775,"end":2542.275,"sentiment":"positive","sentiment_score":0.3513401746749878}],"sentiment":"positive","sentiment_score":0.3513401746749878,"channel":1,"num_words":1,"start":2541.775,"end":2542.275},{"sentences":[{"text":"does mean it's a bit more money in your super working harder for you at the end of the day, which is important.","start":2541.98,"end":2546.72,"sentiment":"neutral","sentiment_score":0.3060193508863449}],"sentiment":"neutral","sentiment_score":0.3060193508863449,"channel":0,"num_words":23,"start":2541.98,"end":2546.72},{"sentences":[{"text":"Yeah.","start":2547.51,"end":2548.01,"sentiment":"neutral","sentiment_score":0.10746276378631592}],"sentiment":"neutral","sentiment_score":0.10746276378631592,"channel":1,"num_words":1,"start":2547.51,"end":2548.01},{"sentences":[{"text":"Yeah.","start":2548.46,"end":2548.94,"sentiment":"neutral","sentiment_score":0.06966786086559296},{"text":"No.","start":2548.94,"end":2549.0999,"sentiment":"neutral","sentiment_score":0.053643159568309784},{"text":"That's absolutely fine.","start":2549.0999,"end":2550.64,"sentiment":"neutral","sentiment_score":0.12474785993496577},{"text":"Did you have more questions or want me to break any of that down a bit more for you at all?","start":2550.94,"end":2556.24,"sentiment":"neutral","sentiment_score":0.039646552254756294}],"sentiment":"neutral","sentiment_score":0.051158930676487774,"channel":0,"num_words":26,"start":2548.46,"end":2556.24},{"sentences":[{"text":"No.","start":2556.87,"end":2557.1902,"sentiment":"neutral","sentiment_score":-0.022046057507395744},{"text":"I do have a question about the email I got from Kendall.","start":2557.1902,"end":2560.555,"sentiment":"neutral","sentiment_score":-0.017615661801149447},{"text":"Is","start":2560.555,"end":2561.055,"sentiment":"neutral","sentiment_score":0.003676113672554493}],"sentiment":"neutral","sentiment_score":-0.01641127753204533,"channel":1,"num_words":14,"start":2556.87,"end":2561.055},{"sentences":[{"text":"Yeah.","start":2562.315,"end":2562.635,"sentiment":"neutral","sentiment_score":0.021660901606082916},{"text":"Absolutely.","start":2562.635,"end":2563.135,"sentiment":"neutral","sentiment_score":0.03485753387212753}],"sentiment":"neutral","sentiment_score":0.028259217739105225,"channel":0,"num_words":2,"start":2562.315,"end":2563.135},{"sentences":[{"text":"it?","start":2565.7551,"end":2566.075,"sentiment":"neutral","sentiment_score":0.014359108172357082},{"text":"Those forms that he sent me to sign, that's got a $20,000 That's the 20","start":2566.075,"end":2579.7,"sentiment":"neutral","sentiment_score":-0.003069534959892432}],"sentiment":"neutral","sentiment_score":-0.0019802447641268373,"channel":1,"num_words":16,"start":2565.7551,"end":2579.7},{"sentences":[{"text":"Yeah.","start":2579.53,"end":2580.03,"sentiment":"neutral","sentiment_score":-0.005432208068668842}],"sentiment":"neutral","sentiment_score":-0.005432208068668842,"channel":0,"num_words":1,"start":2579.53,"end":2580.03},{"sentences":[{"text":"thousand dollars I took out to go on holidays.","start":2579.7,"end":2582.04,"sentiment":"neutral","sentiment_score":-0.02406975357896752},{"text":"Is part of that?","start":2583.14,"end":2584.3599,"sentiment":"neutral","sentiment_score":-0.009792385157197714}],"sentiment":"neutral","sentiment_score":-0.019676717141499885,"channel":1,"num_words":13,"start":2579.7,"end":2584.3599},{"sentences":[{"text":"Just having","start":2587.785,"end":2588.345,"sentiment":"neutral","sentiment_score":-0.012245206162333488}],"sentiment":"neutral","sentiment_score":-0.012245206162333488,"channel":0,"num_words":2,"start":2587.785,"end":2588.345},{"sentences":[{"text":"If I","start":2588.095,"end":2588.415,"sentiment":"neutral","sentiment_score":-0.021745827980339527}],"sentiment":"neutral","sentiment_score":-0.021745827980339527,"channel":1,"num_words":2,"start":2588.095,"end":2588.415},{"sentences":[{"text":"a","start":2588.345,"end":2588.505,"sentiment":"neutral","sentiment_score":-0.027302369475364685}],"sentiment":"neutral","sentiment_score":-0.027302369475364685,"channel":0,"num_words":1,"start":2588.345,"end":2588.505},{"sentences":[{"text":"can","start":2588.415,"end":2588.655,"sentiment":"neutral","sentiment_score":-0.030571898445487022}],"sentiment":"neutral","sentiment_score":-0.030571898445487022,"channel":1,"num_words":1,"start":2588.415,"end":2588.655},{"sentences":[{"text":"look","start":2588.505,"end":2588.9849,"sentiment":"neutral","sentiment_score":-0.026373906061053276}],"sentiment":"neutral","sentiment_score":-0.026373906061053276,"channel":0,"num_words":1,"start":2588.505,"end":2588.9849},{"sentences":[{"text":"read it","start":2588.655,"end":2589.135,"sentiment":"neutral","sentiment_score":-0.037192169576883316}],"sentiment":"neutral","sentiment_score":-0.037192169576883316,"channel":1,"num_words":2,"start":2588.655,"end":2589.135},{"sentences":[{"text":"for","start":2588.9849,"end":2589.2249,"sentiment":"neutral","sentiment_score":-0.035448700189590454}],"sentiment":"neutral","sentiment_score":-0.035448700189590454,"channel":0,"num_words":1,"start":2588.9849,"end":2589.2249},{"sentences":[{"text":"properly.","start":2589.135,"end":2589.635,"sentiment":"neutral","sentiment_score":-0.011467751115560532}],"sentiment":"neutral","sentiment_score":-0.011467751115560532,"channel":1,"num_words":1,"start":2589.135,"end":2589.635},{"sentences":[{"text":"you.","start":2589.2249,"end":2589.7249,"sentiment":"neutral","sentiment_score":0.01101012248545885},{"text":"That's okay.","start":2590.105,"end":2591.005,"sentiment":"neutral","sentiment_score":0.0270988829433918},{"text":"Is that the documents that you received today?","start":2591.065,"end":2593.325,"sentiment":"neutral","sentiment_score":-0.013298864476382732}],"sentiment":"neutral","sentiment_score":-0.003743911585347219,"channel":0,"num_words":11,"start":2589.2249,"end":2593.325},{"sentences":[{"text":"Yeah.","start":2594.0151,"end":2594.5151,"sentiment":"neutral","sentiment_score":-0.05800054222345352}],"sentiment":"neutral","sentiment_score":-0.05800054222345352,"channel":1,"num_words":1,"start":2594.0151,"end":2594.5151},{"sentences":[{"text":"Oh, it might have had the wrong document attached there.","start":2595.21,"end":2598.51,"sentiment":"neutral","sentiment_score":-0.15507870689034461}],"sentiment":"neutral","sentiment_score":-0.15507870689034461,"channel":0,"num_words":10,"start":2595.21,"end":2598.51},{"sentences":[{"text":"I","start":2600.23,"end":2600.31,"sentiment":"neutral","sentiment_score":-0.12243861705064774}],"sentiment":"neutral","sentiment_score":-0.12243861705064774,"channel":1,"num_words":1,"start":2600.23,"end":2600.31},{"sentences":[{"text":"Let","start":2600.25,"end":2600.49,"sentiment":"neutral","sentiment_score":-0.1498471051454544}],"sentiment":"neutral","sentiment_score":-0.1498471051454544,"channel":0,"num_words":1,"start":2600.25,"end":2600.49},{"sentences":[{"text":"mean,","start":2600.31,"end":2600.81,"sentiment":"neutral","sentiment_score":-0.14843927323818207}],"sentiment":"neutral","sentiment_score":-0.14843927323818207,"channel":1,"num_words":1,"start":2600.31,"end":2600.81},{"sentences":[{"text":"me just double","start":2600.49,"end":2601.21,"sentiment":"neutral","sentiment_score":-0.15285803377628326}],"sentiment":"neutral","sentiment_score":-0.15285803377628326,"channel":0,"num_words":3,"start":2600.49,"end":2601.21},{"sentences":[{"text":"I can't","start":2600.95,"end":2601.35,"sentiment":"neutral","sentiment_score":-0.13698570057749748}],"sentiment":"neutral","sentiment_score":-0.13698570057749748,"channel":1,"num_words":2,"start":2600.95,"end":2601.35},{"sentences":[{"text":"check.","start":2601.21,"end":2601.71,"sentiment":"neutral","sentiment_score":-0.12786835432052612}],"sentiment":"neutral","sentiment_score":-0.12786835432052612,"channel":0,"num_words":1,"start":2601.21,"end":2601.71},{"sentences":[{"text":"get into my emails on my computer.","start":2601.35,"end":2603.77,"sentiment":"neutral","sentiment_score":-0.1244132827435221},{"text":"But","start":2603.99,"end":2604.23,"sentiment":"neutral","sentiment_score":-0.0978979766368866}],"sentiment":"neutral","sentiment_score":-0.12109886948019266,"channel":1,"num_words":8,"start":2601.35,"end":2604.23},{"sentences":[{"text":"No.","start":2604.8901,"end":2605.21,"sentiment":"neutral","sentiment_score":-0.16261017322540283},{"text":"That's okay.","start":2605.21,"end":2606.03,"sentiment":"neutral","sentiment_score":-0.12738995999097824},{"text":"It might have attached that document, and we didn't actually want it to be there.","start":2607.4648,"end":2611.865,"sentiment":"neutral","sentiment_score":-0.15894671032826105},{"text":"So what I'll do, I'll just have a look at what it what came through.","start":2611.865,"end":2619.325,"sentiment":"neutral","sentiment_score":-0.02744776743153731},{"text":"Oh,","start":2619.66,"end":2620.16,"sentiment":"neutral","sentiment_score":-0.016743484884500504}],"sentiment":"neutral","sentiment_score":-0.09500149248496574,"channel":0,"num_words":34,"start":2604.8901,"end":2620.16},{"sentences":[{"text":"It's not there now, but it was before there.","start":2620.135,"end":2622.955,"sentiment":"neutral","sentiment_score":-0.08170437316099803}],"sentiment":"neutral","sentiment_score":-0.08170437316099803,"channel":1,"num_words":9,"start":2620.135,"end":2622.955},{"sentences":[{"text":"is it maybe just bringing up the last document that you signed?","start":2623.5798,"end":2626.96,"sentiment":"neutral","sentiment_score":-0.02170251604790489}],"sentiment":"neutral","sentiment_score":-0.02170251604790489,"channel":0,"num_words":12,"start":2623.5798,"end":2626.96},{"sentences":[{"text":"Maybe.","start":2629.0151,"end":2629.5151,"sentiment":"neutral","sentiment_score":0.016248458996415138}],"sentiment":"neutral","sentiment_score":0.016248458996415138,"channel":1,"num_words":1,"start":2629.0151,"end":2629.5151},{"sentences":[{"text":"Because I can see for yours, Robin, is the ongoing fee can sent arrangement.","start":2631.02,"end":2635.615,"sentiment":"neutral","sentiment_score":0.1040319006091782},{"text":"That's the one that we sent through just then.","start":2635.915,"end":2638.7349,"sentiment":"neutral","sentiment_score":0.11952081074317296},{"text":"And then","start":2642.155,"end":2642.895,"sentiment":"neutral","sentiment_score":0.058644188567996025}],"sentiment":"neutral","sentiment_score":0.10597689129412174,"channel":0,"num_words":25,"start":2631.02,"end":2642.895},{"sentences":[{"text":"So I just sign it and send it back.","start":2643.06,"end":2645.1602,"sentiment":"neutral","sentiment_score":0.052293244335386485}],"sentiment":"neutral","sentiment_score":0.052293244335386485,"channel":1,"num_words":9,"start":2643.06,"end":2645.1602},{"sentences":[{"text":"yeah.","start":2646.075,"end":2646.575,"sentiment":"neutral","sentiment_score":0.05722479894757271},{"text":"Yeah.","start":2646.875,"end":2647.375,"sentiment":"neutral","sentiment_score":0.06047259643673897}],"sentiment":"neutral","sentiment_score":0.05884869769215584,"channel":0,"num_words":2,"start":2646.075,"end":2647.375},{"sentences":[{"text":"Yeah.","start":2649.275,"end":2649.515,"sentiment":"neutral","sentiment_score":0.04499948769807816},{"text":"Because the first one is transaction without advice.","start":2649.515,"end":2652.655,"sentiment":"neutral","sentiment_score":0.01109519915189594},{"text":"Withdraw $20,000 from my","start":2653.755,"end":2655.835,"sentiment":"neutral","sentiment_score":0.00607342948205769}],"sentiment":"neutral","sentiment_score":0.01215806144934434,"channel":1,"num_words":13,"start":2649.275,"end":2655.835},{"sentences":[{"text":"And that was the one that was from a while ago.","start":2656.97,"end":2659.61,"sentiment":"neutral","sentiment_score":-0.010223913175815886},{"text":"That was the one in February, wasn't it?","start":2659.61,"end":2662.03,"sentiment":"neutral","sentiment_score":-0.00425224716309458}],"sentiment":"neutral","sentiment_score":-0.00770952748624902,"channel":0,"num_words":19,"start":2656.97,"end":2662.03},{"sentences":[{"text":"Yep.","start":2662.8499,"end":2663.01,"sentiment":"neutral","sentiment_score":0.025496218353509903},{"text":"Yeah.","start":2663.01,"end":2663.51,"sentiment":"neutral","sentiment_score":-0.002541022375226021},{"text":"January 12, we started, but then we had trouble because it was Frank's signature coming up on it all the time.","start":2663.73,"end":2671.51,"sentiment":"neutral","sentiment_score":-0.20551976614764758}],"sentiment":"neutral","sentiment_score":-0.18665043013575283,"channel":1,"num_words":23,"start":2662.8499,"end":2671.51},{"sentences":[{"text":"Yeah.","start":2672.275,"end":2672.4348,"sentiment":"neutral","sentiment_score":-0.005989124998450279},{"text":"Yes.","start":2672.4348,"end":2672.9348,"sentiment":"neutral","sentiment_score":0.023896049708127975},{"text":"Yep.","start":2672.9949,"end":2673.4949,"sentiment":"neutral","sentiment_score":0.021514948457479477}],"sentiment":"neutral","sentiment_score":0.013140624389052391,"channel":0,"num_words":3,"start":2672.275,"end":2673.4949},{"sentences":[{"text":"So I had to sign a couple of times.","start":2673.295,"end":2675.375,"sentiment":"neutral","sentiment_score":-0.0630246972044309},{"text":"So","start":2675.375,"end":2675.615,"sentiment":"neutral","sentiment_score":0.018626250326633453}],"sentiment":"neutral","sentiment_score":-0.054859602451324464,"channel":1,"num_words":10,"start":2673.295,"end":2675.615},{"sentences":[{"text":"Right.","start":2676.1301,"end":2676.6301,"sentiment":"neutral","sentiment_score":0.022813932970166206}],"sentiment":"neutral","sentiment_score":0.022813932970166206,"channel":0,"num_words":1,"start":2676.1301,"end":2676.6301},{"sentences":[{"text":"Mhmm.","start":2677.055,"end":2677.555,"sentiment":"neutral","sentiment_score":-0.01446304563432932}],"sentiment":"neutral","sentiment_score":-0.01446304563432932,"channel":1,"num_words":1,"start":2677.055,"end":2677.555},{"sentences":[{"text":"No.","start":2678.37,"end":2678.61,"sentiment":"neutral","sentiment_score":-0.18280108273029327},{"text":"That's okay.","start":2678.61,"end":2679.4102,"sentiment":"neutral","sentiment_score":-0.04507998749613762},{"text":"So I can see the fee consent form here is for yourself.","start":2679.4102,"end":2683.99,"sentiment":"neutral","sentiment_score":0.12408421995739143},{"text":"We sent through two of them.","start":2685.25,"end":2686.785,"sentiment":"neutral","sentiment_score":0.08157398241261642},{"text":"There should be one for Frank as well, but I can only see one coming up.","start":2686.785,"end":2691.765,"sentiment":"neutral","sentiment_score":-0.0002904175780713558}],"sentiment":"neutral","sentiment_score":0.0459688322970996,"channel":0,"num_words":37,"start":2678.37,"end":2691.765},{"sentences":[{"text":"So what I'll do is I'll just go back, and I'll make sure I can see both of them coming through.","start":2692.4648,"end":2701.285,"sentiment":"neutral","sentiment_score":0.028335058795554296},{"text":"Not sure why it's not both coming through.","start":2702.6602,"end":2705.32,"sentiment":"neutral","sentiment_score":-0.22185631096363068}],"sentiment":"neutral","sentiment_score":-0.040683250103531216,"channel":0,"num_words":29,"start":2692.4648,"end":2705.32},{"sentences":[{"text":"Yeah.","start":2708.055,"end":2708.295,"sentiment":"neutral","sentiment_score":0.059593915939331055},{"text":"Because I can","start":2708.295,"end":2709.355,"sentiment":"neutral","sentiment_score":0.06829192986090978}],"sentiment":"neutral","sentiment_score":0.0661174263805151,"channel":1,"num_words":4,"start":2708.055,"end":2709.355},{"sentences":[{"text":"I I sort of do miss DocuSign a little bit.","start":2710.26,"end":2712.5,"sentiment":"neutral","sentiment_score":0.09088239520788192},{"text":"This is fun, this system, but it's just not not the same.","start":2712.5,"end":2715.6401,"sentiment":"neutral","sentiment_score":0.0713512475291888},{"text":"I do miss DocuSign a little bit.","start":2715.7852,"end":2717.385,"sentiment":"neutral","sentiment_score":0.1697464691741126},{"text":"It was easier.","start":2717.385,"end":2718.185,"sentiment":"neutral","sentiment_score":0.2964981297651927},{"text":"Not gonna lie.","start":2718.185,"end":2719.405,"sentiment":"neutral","sentiment_score":-0.026515106360117596}],"sentiment":"neutral","sentiment_score":0.10752037933894566,"channel":0,"num_words":35,"start":2710.26,"end":2719.405},{"sentences":[{"text":"Oh, good.","start":2721.0652,"end":2721.385,"sentiment":"positive","sentiment_score":0.40224575996398926},{"text":"What I might do is I'll just go back and make sure that both of those fee consent forms have come through.","start":2721.385,"end":2726.5051,"sentiment":"neutral","sentiment_score":0.19141434133052826},{"text":"I might have to resend them for you, but I'll just make sure the system is sending those correctly because it should be 1¢ to each of you.","start":2726.5051,"end":2734.1401,"sentiment":"neutral","sentiment_score":0.13673972338438034},{"text":"So if you don't see them by the end of the day, can you just let me know?","start":2734.1401,"end":2737.82,"sentiment":"neutral","sentiment_score":0.05850188289251593},{"text":"Is that okay?","start":2737.82,"end":2738.7202,"sentiment":"neutral","sentiment_score":0.0952364554007848}],"sentiment":"neutral","sentiment_score":0.13953226137285432,"channel":0,"num_words":73,"start":2721.0652,"end":2738.7202},{"sentences":[{"text":"Yeah.","start":2739.51,"end":2740.01,"sentiment":"neutral","sentiment_score":0.11006201058626176},{"text":"And this","start":2740.23,"end":2740.7102,"sentiment":"neutral","sentiment_score":0.11164139956235886}],"sentiment":"neutral","sentiment_score":0.11111493657032649,"channel":1,"num_words":3,"start":2739.51,"end":2740.7102},{"sentences":[{"text":"Yeah.","start":2740.62,"end":2741.115,"sentiment":"neutral","sentiment_score":0.12734612822532654}],"sentiment":"neutral","sentiment_score":0.12734612822532654,"channel":0,"num_words":1,"start":2740.62,"end":2741.115},{"sentences":[{"text":"one has got the partial account balance for 20","start":2740.7102,"end":2744.31,"sentiment":"neutral","sentiment_score":0.21873592336972555}],"sentiment":"neutral","sentiment_score":0.21873592336972555,"channel":1,"num_words":9,"start":2740.7102,"end":2744.31},{"sentences":[{"text":"Yep.","start":2744.235,"end":2744.735,"sentiment":"neutral","sentiment_score":0.1684326529502869}],"sentiment":"neutral","sentiment_score":0.1684326529502869,"channel":0,"num_words":1,"start":2744.235,"end":2744.735},{"sentences":[{"text":"thousand dollars on it.","start":2744.31,"end":2745.85,"sentiment":"neutral","sentiment_score":0.18317138776183128}],"sentiment":"neutral","sentiment_score":0.18317138776183128,"channel":1,"num_words":4,"start":2744.31,"end":2745.85},{"sentences":[{"text":"Yep.","start":2746.235,"end":2746.735,"sentiment":"neutral","sentiment_score":-0.02375706285238266}],"sentiment":"neutral","sentiment_score":-0.02375706285238266,"channel":0,"num_words":1,"start":2746.235,"end":2746.735},{"sentences":[{"text":"I just didn't wanna sign it again.","start":2746.6301,"end":2748.73,"sentiment":"negative","sentiment_score":-0.5664708656924111}],"sentiment":"negative","sentiment_score":-0.5664708656924111,"channel":1,"num_words":7,"start":2746.6301,"end":2748.73},{"sentences":[{"text":"No.","start":2749.275,"end":2749.595,"sentiment":"negative","sentiment_score":-0.48329979181289673},{"text":"No.","start":2749.595,"end":2749.915,"sentiment":"negative","sentiment_score":-0.4804808497428894},{"text":"That's fine.","start":2749.915,"end":2750.475,"sentiment":"neutral","sentiment_score":-0.16101816669106483},{"text":"It should be if it's one of the attachments, it might have just attached that document because it was one that was in the file when they were attached, and someone might have dragged it across, and that's absolutely okay.","start":2750.475,"end":2760.5698,"sentiment":"neutral","sentiment_score":0.15812571751885116},{"text":"The only document that it should ask you to sign is the ongoing service agreement.","start":2761.3499,"end":2765.67,"sentiment":"neutral","sentiment_score":0.13514168858528136}],"sentiment":"neutral","sentiment_score":0.11976842465415849,"channel":0,"num_words":59,"start":2749.275,"end":2765.67},{"sentences":[{"text":"There should be one with each of your names there because we have you both as clients.","start":2765.67,"end":2770.615,"sentiment":"neutral","sentiment_score":0.14375495034105637},{"text":"Our normal fee is 1.65% per annum, but we've actually reduced yours both, and it'll continue that way to 1.1%.","start":2770.675,"end":2779.315,"sentiment":"neutral","sentiment_score":0.16547938138246537},{"text":"So you're paying a lower fee because you're both on board there.","start":2779.315,"end":2783.175,"sentiment":"neutral","sentiment_score":0.30155394474665326},{"text":"And it should just it does say having a look here, it's 1.1% per annum, and then we deduct our ongoing service fee in smaller monthly increments out of your super for our services, and it fluctuates and goes up and down with the market.","start":2783.73,"end":2797.67,"sentiment":"neutral","sentiment_score":0.08980495358506839},{"text":"So if the the so market was to take a little bit of a further dip, our fee does continue to go down with it, and then it does go up a little bit as the market increases as well.","start":2797.73,"end":2808.2551,"sentiment":"neutral","sentiment_score":-0.03905437467619777}],"sentiment":"neutral","sentiment_score":0.08844117197527815,"channel":0,"num_words":134,"start":2765.67,"end":2808.2551},{"sentences":[{"text":"So our fee goes up and down with your super.","start":2808.2551,"end":2811.555,"sentiment":"neutral","sentiment_score":-0.027966319769620895},{"text":"Does that make sense?","start":2811.615,"end":2812.7551,"sentiment":"neutral","sentiment_score":0.014931746758520603}],"sentiment":"neutral","sentiment_score":-0.01570972933300904,"channel":0,"num_words":14,"start":2808.2551,"end":2812.7551},{"sentences":[{"text":"Yeah.","start":2813.165,"end":2813.5652,"sentiment":"neutral","sentiment_score":0.029497701674699783},{"text":"Okay.","start":2813.5652,"end":2814.0652,"sentiment":"neutral","sentiment_score":0.06335225701332092}],"sentiment":"neutral","sentiment_score":0.04642497934401035,"channel":1,"num_words":2,"start":2813.165,"end":2814.0652},{"sentences":[{"text":"Yeah.","start":2814.29,"end":2814.79,"sentiment":"neutral","sentiment_score":0.12274368107318878}],"sentiment":"neutral","sentiment_score":0.12274368107318878,"channel":0,"num_words":1,"start":2814.29,"end":2814.79},{"sentences":[{"text":"I've","start":2814.605,"end":2814.925,"sentiment":"neutral","sentiment_score":0.2912282347679138}],"sentiment":"neutral","sentiment_score":0.2912282347679138,"channel":1,"num_words":1,"start":2814.605,"end":2814.925},{"sentences":[{"text":"Beautiful.","start":2814.85,"end":2815.35,"sentiment":"positive","sentiment_score":0.4405750036239624}],"sentiment":"positive","sentiment_score":0.4405750036239624,"channel":0,"num_words":1,"start":2814.85,"end":2815.35},{"sentences":[{"text":"just found the sign request from me for the annual review to my Gmail account from you.","start":2814.925,"end":2822.72,"sentiment":"neutral","sentiment_score":0.24302118403070114}],"sentiment":"neutral","sentiment_score":0.24302118403070114,"channel":1,"num_words":17,"start":2814.925,"end":2822.72},{"sentences":[{"text":"Yep.","start":2822.77,"end":2823.25,"sentiment":"neutral","sentiment_score":0.03924661874771118}],"sentiment":"neutral","sentiment_score":0.03924661874771118,"channel":0,"num_words":1,"start":2822.77,"end":2823.25},{"sentences":[{"text":"But,","start":2823.02,"end":2823.26,"sentiment":"neutral","sentiment_score":0.007804775610566139}],"sentiment":"neutral","sentiment_score":0.007804775610566139,"channel":1,"num_words":1,"start":2823.02,"end":2823.26},{"sentences":[{"text":"Yeah.","start":2823.25,"end":2823.75,"sentiment":"neutral","sentiment_score":0.0023596379905939102}],"sentiment":"neutral","sentiment_score":0.0023596379905939102,"channel":0,"num_words":1,"start":2823.25,"end":2823.75},{"sentences":[{"text":"yeah, I wasn't sure about this one from from Kendall this morning.","start":2823.26,"end":2827.3599,"sentiment":"neutral","sentiment_score":-0.04381064480791489}],"sentiment":"neutral","sentiment_score":-0.04381064480791489,"channel":1,"num_words":12,"start":2823.26,"end":2827.3599},{"sentences":[{"text":"Oh, very that's a bit bizarre.","start":2827.265,"end":2830.065,"sentiment":"neutral","sentiment_score":-0.3245953420797984},{"text":"Yeah.","start":2830.065,"end":2830.565,"sentiment":"neutral","sentiment_score":-0.11721570044755936},{"text":"I'll find out if anything else has come through, but, yeah, it's just the ongoing service agreement there.","start":2832.4648,"end":2837.43,"sentiment":"neutral","sentiment_score":-0.04811206211646398},{"text":"I can see one's come through, but I can't see where Frank's has come through.","start":2837.5898,"end":2841.51,"sentiment":"neutral","sentiment_score":-0.11252254421512285},{"text":"So I will go back and double I will go through I can double check for you, Frank, if that does come through.","start":2841.51,"end":2849.3499,"sentiment":"neutral","sentiment_score":-0.041557303589323295}],"sentiment":"neutral","sentiment_score":-0.08848350820323778,"channel":0,"num_words":63,"start":2827.265,"end":2849.3499},{"sentences":[{"text":"If it doesn't, I'll make sure I resend it for you.","start":2849.3499,"end":2852.23,"sentiment":"neutral","sentiment_score":-0.05334212766452269},{"text":"Okay.","start":2852.23,"end":2852.73,"sentiment":"neutral","sentiment_score":0.015214278362691402}],"sentiment":"neutral","sentiment_score":-0.04762909382892152,"channel":0,"num_words":12,"start":2849.3499,"end":2852.73},{"sentences":[{"text":"Yeah.","start":2852.78,"end":2853.02,"sentiment":"neutral","sentiment_score":0.01595856063067913},{"text":"Marty Marty, a different email to Rob's.","start":2853.02,"end":2855.82,"sentiment":"neutral","sentiment_score":0.008625299004571778},{"text":"That's all.","start":2855.82,"end":2856.56,"sentiment":"neutral","sentiment_score":0.026746940799057484}],"sentiment":"neutral","sentiment_score":0.012982953526079654,"channel":1,"num_words":10,"start":2852.78,"end":2856.56},{"sentences":[{"text":"Yeah.","start":2856.905,"end":2857.225,"sentiment":"neutral","sentiment_score":0.03306850045919418},{"text":"No.","start":2857.225,"end":2857.465,"sentiment":"neutral","sentiment_score":-0.021451685577630997},{"text":"That's okay.","start":2857.465,"end":2858.1052,"sentiment":"neutral","sentiment_score":0.05003006383776665},{"text":"That's not a problem.","start":2858.1052,"end":2858.985,"sentiment":"neutral","sentiment_score":0.11328939720988274},{"text":"Normally, when I open it, I can see both of them here, but it's only showing me one.","start":2858.985,"end":2862.905,"sentiment":"neutral","sentiment_score":-0.10517748662581046}],"sentiment":"neutral","sentiment_score":-0.05109077799492157,"channel":0,"num_words":26,"start":2856.905,"end":2862.905},{"sentences":[{"text":"I'm not really sure why.","start":2862.905,"end":2864.2651,"sentiment":"neutral","sentiment_score":-0.26742279529571533},{"text":"So that's honestly okay.","start":2864.2651,"end":2866.5051,"sentiment":"neutral","sentiment_score":0.02273586648516357},{"text":"I'll go back and have a bit of a look at that for you.","start":2866.5051,"end":2868.84,"sentiment":"neutral","sentiment_score":0.20663357100316457},{"text":"Not an issue at all.","start":2868.84,"end":2870.54,"sentiment":"neutral","sentiment_score":0.27865316569805143},{"text":"If there is anything else, I'll make sure we sort of give you a call and let you know.","start":2871.0,"end":2875.74,"sentiment":"neutral","sentiment_score":0.2089330459895887}],"sentiment":"neutral","sentiment_score":0.14914240820848562,"channel":0,"num_words":47,"start":2862.905,"end":2875.74},{"sentences":[{"text":"Just to sort of reiterate, so super wise, you know, not accessing anything unless you need to until, Robin, you turn age 67.","start":2876.84,"end":2885.985,"sentiment":"neutral","sentiment_score":0.056044988334178925},{"text":"I'll","start":2886.7651,"end":2886.925,"sentiment":"neutral","sentiment_score":0.188221737742424}],"sentiment":"neutral","sentiment_score":0.0615523528928558,"channel":0,"num_words":24,"start":2876.84,"end":2886.925},{"sentences":[{"text":"Yep.","start":2886.78,"end":2887.28,"sentiment":"neutral","sentiment_score":0.21429261565208435}],"sentiment":"neutral","sentiment_score":0.21429261565208435,"channel":1,"num_words":1,"start":2886.78,"end":2887.28},{"sentences":[{"text":"look at the Centrelink side of things for you and look at the portfolios and see what we can come up with keeping that kind of 50% split either to the, you know, to the risk factor for you.","start":2886.925,"end":2898.61,"sentiment":"neutral","sentiment_score":0.21046524552198556},{"text":"So 50% growth investment, 50% defensive investment.","start":2898.61,"end":2902.07,"sentiment":"neutral","sentiment_score":0.16069656610488892},{"text":"Is there anything else goals wise that either of you might think you've got or want me to sort of look at for you in the next couple of years, or is that kind of the thing where your sleep is going?","start":2903.49,"end":2914.655,"sentiment":"neutral","sentiment_score":0.13604754803790933}],"sentiment":"neutral","sentiment_score":0.17098883586004376,"channel":0,"num_words":88,"start":2886.925,"end":2914.655},{"sentences":[{"text":"I think that's about it.","start":2916.325,"end":2917.7651,"sentiment":"neutral","sentiment_score":0.12347536385059357},{"text":"Thanks.","start":2917.7651,"end":2918.2651,"sentiment":"positive","sentiment_score":0.4633055329322815}],"sentiment":"neutral","sentiment_score":0.18011372536420822,"channel":1,"num_words":6,"start":2916.325,"end":2918.2651},{"sentences":[{"text":"That's about all.","start":2918.555,"end":2919.355,"sentiment":"neutral","sentiment_score":0.21223842600981394}],"sentiment":"neutral","sentiment_score":0.21223842600981394,"channel":0,"num_words":3,"start":2918.555,"end":2919.355},{"sentences":[{"text":"I","start":2919.125,"end":2919.625,"sentiment":"neutral","sentiment_score":0.18282859027385712}],"sentiment":"neutral","sentiment_score":0.18282859027385712,"channel":1,"num_words":1,"start":2919.125,"end":2919.625},{"sentences":[{"text":"That's okay.","start":2919.355,"end":2920.255,"sentiment":"neutral","sentiment_score":0.26454947888851166},{"text":"Just to sort of you're right.","start":2920.9548,"end":2922.57,"sentiment":"neutral","sentiment_score":0.14424537618954977},{"text":"Sorry.","start":2922.57,"end":2923.07,"sentiment":"neutral","sentiment_score":0.03435268998146057}],"sentiment":"neutral","sentiment_score":0.15876932276619804,"channel":0,"num_words":9,"start":2919.355,"end":2923.07},{"sentences":[{"text":"I did just sign that one that you sent me to my Gmail account, so I hope","start":2924.0051,"end":2928.965,"sentiment":"neutral","sentiment_score":0.07527251914143562}],"sentiment":"neutral","sentiment_score":0.07527251914143562,"channel":1,"num_words":17,"start":2924.0051,"end":2928.965},{"sentences":[{"text":"Oh,","start":2928.8901,"end":2929.29,"sentiment":"neutral","sentiment_score":0.20196375250816345}],"sentiment":"neutral","sentiment_score":0.20196375250816345,"channel":0,"num_words":1,"start":2928.8901,"end":2929.29},{"sentences":[{"text":"that went","start":2928.965,"end":2929.56,"sentiment":"positive","sentiment_score":0.3519335091114044}],"sentiment":"positive","sentiment_score":0.3519335091114044,"channel":1,"num_words":2,"start":2928.965,"end":2929.56},{"sentences":[{"text":"thank","start":2929.29,"end":2929.61,"sentiment":"positive","sentiment_score":0.35986343026161194}],"sentiment":"positive","sentiment_score":0.35986343026161194,"channel":0,"num_words":1,"start":2929.29,"end":2929.61},{"sentences":[{"text":"through","start":2929.56,"end":2930.06,"sentiment":"positive","sentiment_score":0.3506091833114624}],"sentiment":"positive","sentiment_score":0.3506091833114624,"channel":1,"num_words":1,"start":2929.56,"end":2930.06},{"sentences":[{"text":"you.","start":2929.61,"end":2930.11,"sentiment":"neutral","sentiment_score":0.33134835958480835},{"text":"Thank you so much, Robin.","start":2930.8901,"end":2932.4102,"sentiment":"positive","sentiment_score":0.6820902824401855},{"text":"I'll go back and check that for you.","start":2932.4102,"end":2934.51,"sentiment":"positive","sentiment_score":0.4543876647949219}],"sentiment":"positive","sentiment_score":0.5269215064389365,"channel":0,"num_words":14,"start":2929.61,"end":2934.51},{"sentences":[{"text":"alright.","start":2934.76,"end":2935.26,"sentiment":"neutral","sentiment_score":0.08783107995986938}],"sentiment":"neutral","sentiment_score":0.08783107995986938,"channel":1,"num_words":1,"start":2934.76,"end":2935.26},{"sentences":[{"text":"Sorry about that.","start":2934.97,"end":2936.1902,"sentiment":"neutral","sentiment_score":-0.01663282389442126}],"sentiment":"neutral","sentiment_score":-0.01663282389442126,"channel":0,"num_words":3,"start":2934.97,"end":2936.1902},{"sentences":[{"text":"You're","start":2936.76,"end":2936.9202,"sentiment":"neutral","sentiment_score":0.09831034392118454}],"sentiment":"neutral","sentiment_score":0.09831034392118454,"channel":1,"num_words":1,"start":2936.76,"end":2936.9202},{"sentences":[{"text":"I","start":2936.775,"end":2936.9348,"sentiment":"neutral","sentiment_score":0.11961133778095244}],"sentiment":"neutral","sentiment_score":0.11961133778095244,"channel":0,"num_words":1,"start":2936.775,"end":2936.9348},{"sentences":[{"text":"alright.","start":2936.9202,"end":2937.4202,"sentiment":"positive","sentiment_score":0.34287962317466736}],"sentiment":"positive","sentiment_score":0.34287962317466736,"channel":1,"num_words":1,"start":2936.9202,"end":2937.4202},{"sentences":[{"text":"love these new computer systems.","start":2936.9348,"end":2938.7148,"sentiment":"positive","sentiment_score":0.5855342149734497}],"sentiment":"positive","sentiment_score":0.5855342149734497,"channel":0,"num_words":5,"start":2936.9348,"end":2938.7148},{"sentences":[{"text":"Okay.","start":2939.48,"end":2939.98,"sentiment":"neutral","sentiment_score":0.1954396665096283}],"sentiment":"neutral","sentiment_score":0.1954396665096283,"channel":1,"num_words":1,"start":2939.48,"end":2939.98},{"sentences":[{"text":"I'll just double check all of your assets there as well.","start":2941.335,"end":2944.395,"sentiment":"neutral","sentiment_score":0.12397107820619237},{"text":"So at the moment, we did have your main primary residence last year.","start":2944.4548,"end":2949.1748,"sentiment":"neutral","sentiment_score":0.045696452260017395},{"text":"Asset value we had noted was about 500,000.","start":2949.1748,"end":2952.58,"sentiment":"neutral","sentiment_score":0.054628532845526934},{"text":"Do","start":2953.36,"end":2953.52,"sentiment":"neutral","sentiment_score":0.0278824120759964}],"sentiment":"neutral","sentiment_score":0.07341352771177437,"channel":0,"num_words":33,"start":2941.335,"end":2953.52},{"sentences":[{"text":"Yeah.","start":2953.445,"end":2953.945,"sentiment":"neutral","sentiment_score":0.04109478369355202}],"sentiment":"neutral","sentiment_score":0.04109478369355202,"channel":1,"num_words":1,"start":2953.445,"end":2953.945},{"sentences":[{"text":"you think that might have increased a bit from where we were last year?","start":2953.52,"end":2957.12,"sentiment":"neutral","sentiment_score":-0.01774233765900135},{"text":"Do you think it might be valued more to yourself at the moment, or what's your thoughts on that value?","start":2957.12,"end":2961.7,"sentiment":"neutral","sentiment_score":0.003454186301678419}],"sentiment":"neutral","sentiment_score":-0.005273794152719133,"channel":0,"num_words":34,"start":2953.52,"end":2961.7},{"sentences":[{"text":"Well, the prices of houses in town are going up.","start":2962.2998,"end":2965.26,"sentiment":"neutral","sentiment_score":-0.08632629588246346},{"text":"Some are selling to $404.50.","start":2965.26,"end":2967.92,"sentiment":"neutral","sentiment_score":-0.0848845511674881},{"text":"I mean, in","start":2968.46,"end":2968.8599,"sentiment":"neutral","sentiment_score":-0.10426113257805507}],"sentiment":"neutral","sentiment_score":-0.08891495068868001,"channel":1,"num_words":18,"start":2962.2998,"end":2968.8599},{"sentences":[{"text":"Crazy,","start":2968.7349,"end":2969.2148,"sentiment":"neutral","sentiment_score":-0.13066589832305908}],"sentiment":"neutral","sentiment_score":-0.13066589832305908,"channel":0,"num_words":1,"start":2968.7349,"end":2969.2148},{"sentences":[{"text":"West, it's","start":2968.8599,"end":2969.3398,"sentiment":"neutral","sentiment_score":-0.14414934068918228}],"sentiment":"neutral","sentiment_score":-0.14414934068918228,"channel":1,"num_words":2,"start":2968.8599,"end":2969.3398},{"sentences":[{"text":"ain't","start":2969.2148,"end":2969.4548,"sentiment":"neutral","sentiment_score":-0.15351927280426023}],"sentiment":"neutral","sentiment_score":-0.15351927280426023,"channel":0,"num_words":1,"start":2969.2148,"end":2969.4548},{"sentences":[{"text":"not","start":2969.3398,"end":2969.66,"sentiment":"neutral","sentiment_score":-0.11053776741027832}],"sentiment":"neutral","sentiment_score":-0.11053776741027832,"channel":1,"num_words":1,"start":2969.3398,"end":2969.66},{"sentences":[{"text":"it?","start":2969.4548,"end":2969.9548,"sentiment":"neutral","sentiment_score":-0.08051462471485138}],"sentiment":"neutral","sentiment_score":-0.08051462471485138,"channel":0,"num_words":1,"start":2969.4548,"end":2969.9548},{"sentences":[{"text":"five acres,","start":2969.66,"end":2970.5398,"sentiment":"neutral","sentiment_score":-0.017677956260740757}],"sentiment":"neutral","sentiment_score":-0.017677956260740757,"channel":1,"num_words":2,"start":2969.66,"end":2970.5398},{"sentences":[{"text":"Yeah.","start":2970.415,"end":2970.915,"sentiment":"neutral","sentiment_score":-0.027332402765750885}],"sentiment":"neutral","sentiment_score":-0.027332402765750885,"channel":0,"num_words":1,"start":2970.415,"end":2970.915},{"sentences":[{"text":"but we're couple of from, you know, a bit out of town, not far.","start":2970.5398,"end":2976.085,"sentiment":"neutral","sentiment_score":-0.0733370850128787},{"text":"But","start":2976.085,"end":2976.565,"sentiment":"neutral","sentiment_score":-0.008682239800691605}],"sentiment":"neutral","sentiment_score":-0.06902676199873288,"channel":1,"num_words":15,"start":2970.5398,"end":2976.565},{"sentences":[{"text":"Yeah.","start":2976.35,"end":2976.75,"sentiment":"neutral","sentiment_score":0.01444324105978012},{"text":"Yeah.","start":2976.75,"end":2977.25,"sentiment":"neutral","sentiment_score":0.01247241348028183}],"sentiment":"neutral","sentiment_score":0.013457827270030975,"channel":0,"num_words":2,"start":2976.35,"end":2977.25},{"sentences":[{"text":"Okay.","start":2976.885,"end":2977.385,"sentiment":"neutral","sentiment_score":0.00017319992184638977},{"text":"About four k.","start":2978.085,"end":2979.125,"sentiment":"neutral","sentiment_score":-0.017651588345567387},{"text":"So, yeah, I'm not sure what the value would be worth.","start":2979.125,"end":2982.185,"sentiment":"neutral","sentiment_score":-0.09593927995725111}],"sentiment":"neutral","sentiment_score":-0.07387424297630787,"channel":1,"num_words":15,"start":2976.885,"end":2982.185},{"sentences":[{"text":"Yep.","start":2982.27,"end":2982.77,"sentiment":"neutral","sentiment_score":0.04072733223438263},{"text":"Yep.","start":2982.83,"end":2983.31,"sentiment":"neutral","sentiment_score":0.037808701395988464},{"text":"No.","start":2983.31,"end":2983.55,"sentiment":"neutral","sentiment_score":-0.009546943008899689},{"text":"That's okay.","start":2983.55,"end":2984.37,"sentiment":"neutral","sentiment_score":0.08250845968723297},{"text":"Not a problem.","start":2984.6702,"end":2985.3901,"sentiment":"neutral","sentiment_score":0.14976011651257673}],"sentiment":"neutral","sentiment_score":0.08541079494170845,"channel":0,"num_words":8,"start":2982.27,"end":2985.3901},{"sentences":[{"text":"So I'm having I'm just having a quick look online to see what the estimated value of the property is at the moment to sort of see what is out there and what they're saying.","start":2985.3901,"end":2993.435,"sentiment":"neutral","sentiment_score":0.021509777142533233},{"text":"So The same, realistically, estimated property value, mid range about 400,000, high range about $4.55.","start":2995.895,"end":3009.45,"sentiment":"neutral","sentiment_score":0.025635167521735034},{"text":"Did","start":3010.0698,"end":3010.3098,"sentiment":"neutral","sentiment_score":-0.0009291060268878936}],"sentiment":"neutral","sentiment_score":0.022283149152701975,"channel":0,"num_words":51,"start":2985.3901,"end":3010.3098},{"sentences":[{"text":"Yep.","start":3010.105,"end":3010.605,"sentiment":"neutral","sentiment_score":0.03747628629207611}],"sentiment":"neutral","sentiment_score":0.03747628629207611,"channel":1,"num_words":1,"start":3010.105,"end":3010.605},{"sentences":[{"text":"you feel like that's very average, or did you wanna keep it to where it was?","start":3010.3098,"end":3014.47,"sentiment":"neutral","sentiment_score":-0.08195936027914286},{"text":"Or","start":3014.47,"end":3014.97,"sentiment":"neutral","sentiment_score":-0.03661918267607689}],"sentiment":"neutral","sentiment_score":-0.07929229100837427,"channel":0,"num_words":17,"start":3010.3098,"end":3014.97},{"sentences":[{"text":"Well, that's probably average for a house","start":3019.19,"end":3022.73,"sentiment":"neutral","sentiment_score":-0.03635717715535845}],"sentiment":"neutral","sentiment_score":-0.03635717715535845,"channel":1,"num_words":7,"start":3019.19,"end":3022.73},{"sentences":[{"text":"yep.","start":3023.345,"end":3023.845,"sentiment":"neutral","sentiment_score":-0.007488870527595282}],"sentiment":"neutral","sentiment_score":-0.007488870527595282,"channel":0,"num_words":1,"start":3023.345,"end":3023.845},{"sentences":[{"text":"block.","start":3023.35,"end":3023.85,"sentiment":"neutral","sentiment_score":-0.010143624618649484},{"text":"So we'll just keep ours at the $5.01.","start":3023.91,"end":3027.61,"sentiment":"neutral","sentiment_score":0.038901889231055975},{"text":"Yeah.","start":3027.67,"end":3027.83,"sentiment":"neutral","sentiment_score":0.07015349715948105}],"sentiment":"neutral","sentiment_score":0.037122498638927935,"channel":1,"num_words":10,"start":3023.35,"end":3027.83},{"sentences":[{"text":"Yep.","start":3027.6802,"end":3028.1802,"sentiment":"neutral","sentiment_score":0.07435354590415955}],"sentiment":"neutral","sentiment_score":0.07435354590415955,"channel":0,"num_words":1,"start":3027.6802,"end":3028.1802},{"sentences":[{"text":"Because we're 2.2 hectares.","start":3027.83,"end":3029.77,"sentiment":"neutral","sentiment_score":0.0669212806969881},{"text":"K.","start":3030.15,"end":3030.65,"sentiment":"neutral","sentiment_score":0.06945829093456268}],"sentiment":"neutral","sentiment_score":0.06742868274450302,"channel":1,"num_words":5,"start":3027.83,"end":3030.65},{"sentences":[{"text":"Yep.","start":3030.2402,"end":3030.7402,"sentiment":"neutral","sentiment_score":0.15312732756137848},{"text":"That's absolutely fine.","start":3031.2002,"end":3032.56,"sentiment":"positive","sentiment_score":0.4975385069847107},{"text":"Not a problem at all.","start":3032.56,"end":3034.02,"sentiment":"positive","sentiment_score":0.4681254684925079}],"sentiment":"positive","sentiment_score":0.44293002121978337,"channel":0,"num_words":9,"start":3030.2402,"end":3034.02},{"sentences":[{"text":"And it's freehold too.","start":3035.555,"end":3037.2551,"sentiment":"neutral","sentiment_score":0.2699139825999737}],"sentiment":"neutral","sentiment_score":0.2699139825999737,"channel":1,"num_words":4,"start":3035.555,"end":3037.2551},{"sentences":[{"text":"So $5.70.","start":3040.175,"end":3041.475,"sentiment":"neutral","sentiment_score":0.1827283352613449},{"text":"Beautiful.","start":3041.615,"end":3041.935,"sentiment":"positive","sentiment_score":0.6357696056365967},{"text":"And, Robin, your income, I'm just sort of estimating your take down gross income per week is about 570.","start":3041.935,"end":3047.855,"sentiment":"neutral","sentiment_score":0.1869252720161488},{"text":"You're fairly comfortable with that?","start":3047.855,"end":3049.635,"sentiment":"neutral","sentiment_score":0.23859190940856934}],"sentiment":"neutral","sentiment_score":0.21280614783366522,"channel":0,"num_words":27,"start":3040.175,"end":3049.635},{"sentences":[{"text":"Yeah.","start":3051.03,"end":3051.53,"sentiment":"neutral","sentiment_score":0.049727149307727814},{"text":"I mean, that's the highest I get.","start":3052.1501,"end":3055.03,"sentiment":"neutral","sentiment_score":0.04878050567848342},{"text":"But","start":3055.03,"end":3055.35,"sentiment":"neutral","sentiment_score":-0.016849994659423828}],"sentiment":"neutral","sentiment_score":0.04159341048863199,"channel":1,"num_words":9,"start":3051.03,"end":3055.35},{"sentences":[{"text":"Yep.","start":3055.23,"end":3055.63,"sentiment":"neutral","sentiment_score":-0.02810642682015896}],"sentiment":"neutral","sentiment_score":-0.02810642682015896,"channel":0,"num_words":1,"start":3055.23,"end":3055.63},{"sentences":[{"text":"if I","start":3055.35,"end":3055.67,"sentiment":"neutral","sentiment_score":-0.07815798372030258}],"sentiment":"neutral","sentiment_score":-0.07815798372030258,"channel":1,"num_words":2,"start":3055.35,"end":3055.67},{"sentences":[{"text":"Yep.","start":3055.63,"end":3056.13,"sentiment":"neutral","sentiment_score":-0.06784301996231079}],"sentiment":"neutral","sentiment_score":-0.06784301996231079,"channel":0,"num_words":1,"start":3055.63,"end":3056.13},{"sentences":[{"text":"don't work the whole sixteen hours a week, it's less.","start":3055.67,"end":3059.595,"sentiment":"neutral","sentiment_score":-0.150004743039608},{"text":"So","start":3060.635,"end":3060.795,"sentiment":"neutral","sentiment_score":-0.0179759468883276}],"sentiment":"neutral","sentiment_score":-0.1380021252076734,"channel":1,"num_words":11,"start":3055.67,"end":3060.795},{"sentences":[{"text":"Okay.","start":3060.75,"end":3061.25,"sentiment":"neutral","sentiment_score":-0.005951574072241783}],"sentiment":"neutral","sentiment_score":-0.005951574072241783,"channel":0,"num_words":1,"start":3060.75,"end":3061.25},{"sentences":[{"text":"it all depends","start":3060.795,"end":3061.595,"sentiment":"neutral","sentiment_score":-0.006986813619732856}],"sentiment":"neutral","sentiment_score":-0.006986813619732856,"channel":1,"num_words":3,"start":3060.795,"end":3061.595},{"sentences":[{"text":"Do","start":3061.47,"end":3061.63,"sentiment":"neutral","sentiment_score":-0.019624624401330948}],"sentiment":"neutral","sentiment_score":-0.019624624401330948,"channel":0,"num_words":1,"start":3061.47,"end":3061.63},{"sentences":[{"text":"how","start":3061.595,"end":3061.755,"sentiment":"neutral","sentiment_score":-0.018285255879163746}],"sentiment":"neutral","sentiment_score":-0.018285255879163746,"channel":1,"num_words":1,"start":3061.595,"end":3061.755},{"sentences":[{"text":"you","start":3061.63,"end":3061.8699,"sentiment":"neutral","sentiment_score":-0.024654444307088852}],"sentiment":"neutral","sentiment_score":-0.024654444307088852,"channel":0,"num_words":1,"start":3061.63,"end":3061.8699},{"sentences":[{"text":"much work they've got for me to do.","start":3061.755,"end":3063.855,"sentiment":"neutral","sentiment_score":-0.022096630185842514}],"sentiment":"neutral","sentiment_score":-0.022096630185842514,"channel":1,"num_words":8,"start":3061.755,"end":3063.855},{"sentences":[{"text":"yeah, no worries.","start":3064.385,"end":3065.765,"sentiment":"neutral","sentiment_score":0.10052018115917842},{"text":"Alright.","start":3067.9849,"end":3068.465,"sentiment":"neutral","sentiment_score":0.29749661684036255},{"text":"Lovely.","start":3068.465,"end":3068.945,"sentiment":"positive","sentiment_score":0.4607144296169281},{"text":"And, Frank, how much are you averaging from Centrelink on a fortnightly basis at the moment for the age pension?","start":3068.945,"end":3074.4849,"sentiment":"neutral","sentiment_score":0.05193625809624791}],"sentiment":"neutral","sentiment_score":0.08393987007439137,"channel":0,"num_words":25,"start":3064.385,"end":3074.4849},{"sentences":[{"text":"Just over 700.","start":3076.85,"end":3078.47,"sentiment":"neutral","sentiment_score":0.007354521192610264},{"text":"7","start":3079.49,"end":3079.8901,"sentiment":"neutral","sentiment_score":0.004360990598797798}],"sentiment":"neutral","sentiment_score":0.006606138544157147,"channel":1,"num_words":4,"start":3076.85,"end":3079.8901},{"sentences":[{"text":"Per","start":3079.6802,"end":3079.9202,"sentiment":"neutral","sentiment_score":0.003950494807213545}],"sentiment":"neutral","sentiment_score":0.003950494807213545,"channel":0,"num_words":1,"start":3079.6802,"end":3079.9202},{"sentences":[{"text":"60.","start":3079.8901,"end":3080.29,"sentiment":"neutral","sentiment_score":0.005289701744914055}],"sentiment":"neutral","sentiment_score":0.005289701744914055,"channel":1,"num_words":1,"start":3079.8901,"end":3080.29},{"sentences":[{"text":"fortnight?","start":3079.9202,"end":3080.4202,"sentiment":"neutral","sentiment_score":0.00515326950699091}],"sentiment":"neutral","sentiment_score":0.00515326950699091,"channel":0,"num_words":1,"start":3079.9202,"end":3080.4202},{"sentences":[{"text":"I think","start":3080.29,"end":3080.6902,"sentiment":"neutral","sentiment_score":0.01275336230173707}],"sentiment":"neutral","sentiment_score":0.01275336230173707,"channel":1,"num_words":2,"start":3080.29,"end":3080.6902},{"sentences":[{"text":"Yep.","start":3080.6401,"end":3081.1401,"sentiment":"neutral","sentiment_score":0.017242612317204475}],"sentiment":"neutral","sentiment_score":0.017242612317204475,"channel":0,"num_words":1,"start":3080.6401,"end":3081.1401},{"sentences":[{"text":"$7.50.","start":3080.6902,"end":3081.59,"sentiment":"neutral","sentiment_score":0.018397066742181774},{"text":"Yeah.","start":3081.73,"end":3082.23,"sentiment":"neutral","sentiment_score":0.020386138930916783},{"text":"Just over 700 a fortnight.","start":3083.09,"end":3085.11,"sentiment":"neutral","sentiment_score":0.012596416287124157}],"sentiment":"neutral","sentiment_score":0.014537898158388478,"channel":1,"num_words":7,"start":3080.6902,"end":3085.11},{"sentences":[{"text":"Sorry.","start":3086.0,"end":3086.32,"sentiment":"neutral","sentiment_score":-0.04183938726782799},{"text":"Did you say $7.50 or $7.60 just before as well?","start":3086.32,"end":3089.28,"sentiment":"neutral","sentiment_score":-0.03600294291973114},{"text":"Sorry.","start":3089.28,"end":3089.78,"sentiment":"neutral","sentiment_score":-0.05650654062628746}],"sentiment":"neutral","sentiment_score":-0.03819794642428557,"channel":0,"num_words":12,"start":3086.0,"end":3089.78},{"sentences":[{"text":"Yeah.","start":3090.735,"end":3090.895,"sentiment":"neutral","sentiment_score":-0.03404749929904938},{"text":"Something like that.","start":3090.895,"end":3091.875,"sentiment":"neutral","sentiment_score":-0.037795846040050186}],"sentiment":"neutral","sentiment_score":-0.036858759354799986,"channel":1,"num_words":4,"start":3090.735,"end":3091.875},{"sentences":[{"text":"Yep.","start":3092.295,"end":3092.795,"sentiment":"neutral","sentiment_score":-0.011018946766853333}],"sentiment":"neutral","sentiment_score":-0.011018946766853333,"channel":0,"num_words":1,"start":3092.295,"end":3092.795},{"sentences":[{"text":"No.","start":3093.135,"end":3093.455,"sentiment":"neutral","sentiment_score":-0.16443301737308502},{"text":"It's not that high.","start":3093.455,"end":3094.735,"sentiment":"neutral","sentiment_score":-0.19458358362317085},{"text":"Is it?","start":3094.735,"end":3095.475,"sentiment":"neutral","sentiment_score":-0.09432558342814445}],"sentiment":"neutral","sentiment_score":-0.1616312169602939,"channel":1,"num_words":7,"start":3093.135,"end":3095.475},{"sentences":[{"text":"Oh, it's not.","start":3095.2551,"end":3096.075,"sentiment":"neutral","sentiment_score":-0.09538228313128154}],"sentiment":"neutral","sentiment_score":-0.09538228313128154,"channel":0,"num_words":3,"start":3095.2551,"end":3096.075},{"sentences":[{"text":"What is it?","start":3095.8552,"end":3098.3552,"sentiment":"neutral","sentiment_score":-0.05874291310707728},{"text":"It's if I do my school if I do my thirty two hours of if I do thirty two hours of fortnight, he gets about 690","start":3098.975,"end":3116.96,"sentiment":"neutral","sentiment_score":-0.02518822535729179}],"sentiment":"neutral","sentiment_score":-0.028659399952097184,"channel":1,"num_words":29,"start":3095.8552,"end":3116.96},{"sentences":[{"text":"Okay.","start":3117.7651,"end":3118.2651,"sentiment":"neutral","sentiment_score":0.02167819067835808}],"sentiment":"neutral","sentiment_score":0.02167819067835808,"channel":0,"num_words":1,"start":3117.7651,"end":3118.2651},{"sentences":[{"text":"a fortnight.","start":3119.2048,"end":3119.9448,"sentiment":"neutral","sentiment_score":0.022724646143615246}],"sentiment":"neutral","sentiment_score":0.022724646143615246,"channel":1,"num_words":2,"start":3119.2048,"end":3119.9448},{"sentences":[{"text":"690.","start":3121.125,"end":3122.5051,"sentiment":"neutral","sentiment_score":0.01613587513566017}],"sentiment":"neutral","sentiment_score":0.01613587513566017,"channel":0,"num_words":1,"start":3121.125,"end":3122.5051},{"sentences":[{"text":"How","start":3124.005,"end":3124.325,"sentiment":"neutral","sentiment_score":0.1184948831796646}],"sentiment":"neutral","sentiment_score":0.1184948831796646,"channel":1,"num_words":1,"start":3124.005,"end":3124.325},{"sentences":[{"text":"Perfect.","start":3124.245,"end":3124.745,"sentiment":"neutral","sentiment_score":0.3163296580314636}],"sentiment":"neutral","sentiment_score":0.3163296580314636,"channel":0,"num_words":1,"start":3124.245,"end":3124.745},{"sentences":[{"text":"much is","start":3124.325,"end":3125.145,"sentiment":"neutral","sentiment_score":0.06905907392501831}],"sentiment":"neutral","sentiment_score":0.06905907392501831,"channel":1,"num_words":2,"start":3124.325,"end":3125.145},{"sentences":[{"text":"Robin, do you know what your hourly rate is","start":3127.14,"end":3129.14,"sentiment":"neutral","sentiment_score":0.036612355460723243}],"sentiment":"neutral","sentiment_score":0.036612355460723243,"channel":0,"num_words":9,"start":3127.14,"end":3129.14},{"sentences":[{"text":"it?","start":3129.045,"end":3129.545,"sentiment":"neutral","sentiment_score":0.029688339680433273}],"sentiment":"neutral","sentiment_score":0.029688339680433273,"channel":1,"num_words":1,"start":3129.045,"end":3129.545},{"sentences":[{"text":"at all?","start":3129.14,"end":3129.8,"sentiment":"neutral","sentiment_score":0.0022678603418171397}],"sentiment":"neutral","sentiment_score":0.0022678603418171397,"channel":0,"num_words":2,"start":3129.14,"end":3129.8},{"sentences":[{"text":"I think it's $31.31","start":3130.085,"end":3132.6401,"sentiment":"neutral","sentiment_score":0.006152502726763487}],"sentiment":"neutral","sentiment_score":0.006152502726763487,"channel":1,"num_words":4,"start":3130.085,"end":3132.6401},{"sentences":[{"text":"Yep.","start":3132.42,"end":3132.92,"sentiment":"neutral","sentiment_score":0.021406862884759903}],"sentiment":"neutral","sentiment_score":0.021406862884759903,"channel":0,"num_words":1,"start":3132.42,"end":3132.92},{"sentences":[{"text":"70, something like","start":3132.6401,"end":3133.9202,"sentiment":"neutral","sentiment_score":0.011857287647823492}],"sentiment":"neutral","sentiment_score":0.011857287647823492,"channel":1,"num_words":3,"start":3132.6401,"end":3133.9202},{"sentences":[{"text":"30","start":3133.78,"end":3134.02,"sentiment":"neutral","sentiment_score":0.017990391701459885}],"sentiment":"neutral","sentiment_score":0.017990391701459885,"channel":0,"num_words":1,"start":3133.78,"end":3134.02},{"sentences":[{"text":"that.","start":3133.9202,"end":3134.4202,"sentiment":"neutral","sentiment_score":0.01948840171098709}],"sentiment":"neutral","sentiment_score":0.01948840171098709,"channel":1,"num_words":1,"start":3133.9202,"end":3134.4202},{"sentences":[{"text":"$1.70 per hour.","start":3134.02,"end":3135.38,"sentiment":"neutral","sentiment_score":0.03606529347598553},{"text":"Beautiful.","start":3135.38,"end":3135.88,"sentiment":"neutral","sentiment_score":0.01965983584523201},{"text":"Because I can sort of average that out and work it out on the thirty two hours and average that over the course of the year for you to kinda give me an estimate on the income if you like.","start":3135.94,"end":3144.635,"sentiment":"neutral","sentiment_score":0.10030863862484693},{"text":"That's","start":3144.775,"end":3145.095,"sentiment":"positive","sentiment_score":0.35848546028137207}],"sentiment":"neutral","sentiment_score":0.09997081603440973,"channel":0,"num_words":45,"start":3134.02,"end":3145.095},{"sentences":[{"text":"Yep.","start":3145.04,"end":3145.54,"sentiment":"positive","sentiment_score":0.5012234449386597}],"sentiment":"positive","sentiment_score":0.5012234449386597,"channel":1,"num_words":1,"start":3145.04,"end":3145.54},{"sentences":[{"text":"absolutely fine.","start":3145.095,"end":3146.135,"sentiment":"positive","sentiment_score":0.6943618655204773},{"text":"Beautiful.","start":3146.135,"end":3146.635,"sentiment":"positive","sentiment_score":0.7287118434906006},{"text":"And you sort of need income of about $3,000 per fortnight or $1,000 per week to survive moving forward.","start":3147.975,"end":3156.4302,"sentiment":"neutral","sentiment_score":0.20133590070824875},{"text":"Is that fairly right?","start":3156.4302,"end":3157.6301,"sentiment":"neutral","sentiment_score":0.1405726559460163},{"text":"Did you want me to maybe factor in a bit of a buffer there, or are you happy with that for the moment?","start":3157.6301,"end":3162.1301,"sentiment":"neutral","sentiment_score":0.05278392508625984}],"sentiment":"neutral","sentiment_score":0.15753344058686372,"channel":0,"num_words":49,"start":3145.095,"end":3162.1301},{"sentences":[{"text":"Two oh, it sounds a lot of money.","start":3168.47,"end":3170.71,"sentiment":"neutral","sentiment_score":-0.03594729537144303},{"text":"Doesn't it?","start":3170.71,"end":3171.11,"sentiment":"neutral","sentiment_score":-0.029589351266622543},{"text":"But it doesn't go very far.","start":3171.11,"end":3172.81,"sentiment":"neutral","sentiment_score":-0.21974445631106695}],"sentiment":"neutral","sentiment_score":-0.10407648771069944,"channel":1,"num_words":16,"start":3168.47,"end":3172.81},{"sentences":[{"text":"It really doesn't.","start":3173.085,"end":3174.065,"sentiment":"neutral","sentiment_score":-0.2153366357088089}],"sentiment":"neutral","sentiment_score":-0.2153366357088089,"channel":0,"num_words":3,"start":3173.085,"end":3174.065},{"sentences":[{"text":"Okay.","start":3173.895,"end":3174.395,"sentiment":"neutral","sentiment_score":-0.03401917219161987}],"sentiment":"neutral","sentiment_score":-0.03401917219161987,"channel":1,"num_words":1,"start":3173.895,"end":3174.395},{"sentences":[{"text":"No.","start":3174.125,"end":3174.625,"sentiment":"neutral","sentiment_score":-0.10582754015922546},{"text":"When you think about groceries, I know I've I've got two kids moved out of home now and only one child at home.","start":3174.685,"end":3180.205,"sentiment":"neutral","sentiment_score":-0.12521234057519748},{"text":"I'm still spending about $2.50 to $300 a week on groceries.","start":3180.205,"end":3183.5134,"sentiment":"neutral","sentiment_score":-0.16281459683721716},{"text":"It's everything costs so much.","start":3183.5134,"end":3185.7202,"sentiment":"neutral","sentiment_score":-0.2278280586004257}],"sentiment":"neutral","sentiment_score":-0.14789530579000712,"channel":0,"num_words":40,"start":3174.125,"end":3185.7202},{"sentences":[{"text":"I reckon.","start":3186.615,"end":3187.275,"sentiment":"neutral","sentiment_score":-0.12959930300712585},{"text":"No.","start":3187.335,"end":3187.835,"sentiment":"neutral","sentiment_score":-0.2280655801296234},{"text":"And things are more expensive out here, I imagine.","start":3188.055,"end":3191.05,"sentiment":"neutral","sentiment_score":-0.27093354364236194}],"sentiment":"neutral","sentiment_score":-0.2438055065770944,"channel":1,"num_words":12,"start":3186.615,"end":3191.05},{"sentences":[{"text":"Oh, absolutely.","start":3191.3801,"end":3192.36,"sentiment":"neutral","sentiment_score":0.0530865453183651},{"text":"I can I can keep it at 2,000 per week at the moment?","start":3194.675,"end":3197.555,"sentiment":"neutral","sentiment_score":0.07947179159292808},{"text":"And if you find that you wanna increase that, that's absolutely fine.","start":3197.555,"end":3201.255,"sentiment":"neutral","sentiment_score":0.18180408825476965},{"text":"This","start":3201.875,"end":3202.035,"sentiment":"neutral","sentiment_score":0.26471057534217834}],"sentiment":"neutral","sentiment_score":0.12805950056229318,"channel":0,"num_words":28,"start":3191.3801,"end":3202.035},{"sentences":[{"text":"Yep.","start":3201.91,"end":3202.335,"sentiment":"neutral","sentiment_score":0.24774059653282168}],"sentiment":"neutral","sentiment_score":0.24774059653282168,"channel":1,"num_words":1,"start":3201.91,"end":3202.335},{"sentences":[{"text":"kinda gives us a bit of a working point for you moving forward.","start":3202.035,"end":3205.415,"sentiment":"neutral","sentiment_score":0.2842622021069893},{"text":"I mean, we're looking at the advice now, but also, you know, in the next fifteen months, knowing that in that time, things can change and we may need to update it again.","start":3205.875,"end":3214.4602,"sentiment":"neutral","sentiment_score":0.11000388612349828},{"text":"But this is giving you a bit of an idea of where we're tracking and what it sort of looks like down the track for you.","start":3214.4602,"end":3219.6602,"sentiment":"neutral","sentiment_score":0.12646984194333738},{"text":"Okay?","start":3219.6602,"end":3220.1602,"sentiment":"neutral","sentiment_score":0.039031922817230225}],"sentiment":"neutral","sentiment_score":0.14592855729877133,"channel":0,"num_words":73,"start":3202.035,"end":3220.1602},{"sentences":[{"text":"Yeah.","start":3220.0999,"end":3220.58,"sentiment":"neutral","sentiment_score":0.04768333584070206},{"text":"Okay.","start":3220.58,"end":3221.08,"sentiment":"neutral","sentiment_score":0.07907740771770477},{"text":"Yep.","start":3221.14,"end":3221.64,"sentiment":"neutral","sentiment_score":0.1418454349040985}],"sentiment":"neutral","sentiment_score":0.08953539282083511,"channel":1,"num_words":3,"start":3220.0999,"end":3221.64},{"sentences":[{"text":"Excellent.","start":3221.925,"end":3222.425,"sentiment":"neutral","sentiment_score":0.31756481528282166},{"text":"Other assets I have here, I've got your Nissan Qashqai.","start":3222.885,"end":3225.945,"sentiment":"neutral","sentiment_score":0.1066378578543663},{"text":"Rough value, if you had to sell that, got down here about 20,000.","start":3226.885,"end":3232.105,"sentiment":"neutral","sentiment_score":0.0009976383298635483},{"text":"If you did have to sell that, what do you think what value wise would it be to you?","start":3232.8052,"end":3236.905,"sentiment":"neutral","sentiment_score":0.02328836672792309}],"sentiment":"neutral","sentiment_score":0.04277655023128488,"channel":0,"num_words":43,"start":3221.925,"end":3236.905},{"sentences":[{"text":"To me.","start":3240.055,"end":3240.795,"sentiment":"neutral","sentiment_score":-0.011971066240221262},{"text":"Oh, I got no idea what they were.","start":3243.51,"end":3245.9302,"sentiment":"neutral","sentiment_score":-0.06807060865685344}],"sentiment":"neutral","sentiment_score":-0.056850700173527,"channel":1,"num_words":10,"start":3240.055,"end":3245.9302},{"sentences":[{"text":"Yeah.","start":3246.38,"end":3246.54,"sentiment":"neutral","sentiment_score":0.005057528614997864},{"text":"That's okay.","start":3246.54,"end":3247.3599,"sentiment":"neutral","sentiment_score":0.07950110919773579}],"sentiment":"neutral","sentiment_score":0.05468658233682314,"channel":0,"num_words":3,"start":3246.38,"end":3247.3599},{"sentences":[{"text":"They're a good dollar.","start":3247.75,"end":3248.81,"sentiment":"neutral","sentiment_score":0.10020784474909306}],"sentiment":"neutral","sentiment_score":0.10020784474909306,"channel":1,"num_words":4,"start":3247.75,"end":3248.81},{"sentences":[{"text":"We had 20,000 last year.","start":3250.0752,"end":3251.675,"sentiment":"neutral","sentiment_score":0.02463812045753002},{"text":"Did you wanna keep it at 20?","start":3251.675,"end":3253.215,"sentiment":"neutral","sentiment_score":0.011459425623927797}],"sentiment":"neutral","sentiment_score":0.016950548471262056,"channel":0,"num_words":12,"start":3250.0752,"end":3253.215},{"sentences":[{"text":"Yeah.","start":3253.51,"end":3254.01,"sentiment":"neutral","sentiment_score":0.018300656229257584},{"text":"Yeah.","start":3255.565,"end":3256.065,"sentiment":"neutral","sentiment_score":0.016575142741203308},{"text":"I mean, it'd probably be a $15.24.","start":3256.2852,"end":3258.685,"sentiment":"neutral","sentiment_score":0.013340343588164874},{"text":"15 maybe?","start":3258.685,"end":3259.905,"sentiment":"neutral","sentiment_score":0.010702990926802158}],"sentiment":"neutral","sentiment_score":0.013605835085565393,"channel":1,"num_words":11,"start":3253.51,"end":3259.905},{"sentences":[{"text":"Yeah.","start":3260.475,"end":3260.97,"sentiment":"neutral","sentiment_score":0.06241155415773392},{"text":"Absolutely.","start":3261.21,"end":3261.69,"sentiment":"neutral","sentiment_score":0.09944570064544678},{"text":"And then we've got the Nissan Navara, which is a 2012 model.","start":3261.69,"end":3265.13,"sentiment":"neutral","sentiment_score":0.04882389741639296},{"text":"And last year, we said roughly about 15,000 value.","start":3265.13,"end":3268.81,"sentiment":"neutral","sentiment_score":0.03262927424576548},{"text":"Would you keep that about the same, do you think?","start":3268.81,"end":3270.91,"sentiment":"neutral","sentiment_score":0.02147639188915491}],"sentiment":"neutral","sentiment_score":0.038065800330404076,"channel":0,"num_words":33,"start":3260.475,"end":3270.91},{"sentences":[{"text":"No.","start":3271.46,"end":3271.78,"sentiment":"neutral","sentiment_score":-0.19588422775268555},{"text":"Not now.","start":3271.78,"end":3272.52,"sentiment":"neutral","sentiment_score":-0.15140870958566666}],"sentiment":"neutral","sentiment_score":-0.1662338823080063,"channel":1,"num_words":3,"start":3271.46,"end":3272.52},{"sentences":[{"text":"No?","start":3273.05,"end":3273.45,"sentiment":"neutral","sentiment_score":-0.13897377252578735},{"text":"Drop it a little","start":3273.45,"end":3274.17,"sentiment":"neutral","sentiment_score":-0.10796182788908482}],"sentiment":"neutral","sentiment_score":-0.11416421681642533,"channel":0,"num_words":5,"start":3273.05,"end":3274.17},{"sentences":[{"text":"I'm","start":3274.02,"end":3274.26,"sentiment":"neutral","sentiment_score":-0.11439802497625352}],"sentiment":"neutral","sentiment_score":-0.11439802497625352,"channel":1,"num_words":1,"start":3274.02,"end":3274.26},{"sentences":[{"text":"bit.","start":3274.17,"end":3274.49,"sentiment":"neutral","sentiment_score":-0.08796552568674088}],"sentiment":"neutral","sentiment_score":-0.08796552568674088,"channel":0,"num_words":1,"start":3274.17,"end":3274.49},{"sentences":[{"text":"just","start":3274.26,"end":3274.5,"sentiment":"neutral","sentiment_score":-0.025885170325636864}],"sentiment":"neutral","sentiment_score":-0.025885170325636864,"channel":1,"num_words":1,"start":3274.26,"end":3274.5},{"sentences":[{"text":"12.","start":3274.49,"end":3274.99,"sentiment":"neutral","sentiment_score":-0.013103009201586246}],"sentiment":"neutral","sentiment_score":-0.013103009201586246,"channel":0,"num_words":1,"start":3274.49,"end":3274.99},{"sentences":[{"text":"looking at some others.","start":3274.5,"end":3275.72,"sentiment":"neutral","sentiment_score":-0.010400485014542937},{"text":"I've seen some others on Facebook and that, but it's for sale.","start":3275.78,"end":3279.78,"sentiment":"neutral","sentiment_score":0.005888355692150071},{"text":"They're at the same age as mine, and they're about 3 or $4.","start":3279.78,"end":3282.92,"sentiment":"neutral","sentiment_score":0.009442391876990978}],"sentiment":"neutral","sentiment_score":0.00523480767753489,"channel":1,"num_words":29,"start":3274.5,"end":3282.92},{"sentences":[{"text":"Yeah.","start":3283.5552,"end":3283.955,"sentiment":"neutral","sentiment_score":0.1625584363937378},{"text":"Wow.","start":3283.955,"end":3284.455,"sentiment":"positive","sentiment_score":0.42518407106399536}],"sentiment":"neutral","sentiment_score":0.2938712537288666,"channel":0,"num_words":2,"start":3283.5552,"end":3284.455},{"sentences":[{"text":"I'll be lucky to get 5 for it.","start":3285.9749,"end":3287.575,"sentiment":"positive","sentiment_score":0.634645514190197},{"text":"I think.","start":3287.575,"end":3288.155,"sentiment":"positive","sentiment_score":0.4556833654642105}],"sentiment":"positive","sentiment_score":0.5988530844449997,"channel":1,"num_words":10,"start":3285.9749,"end":3288.155},{"sentences":[{"text":"I'll pop a bit pop 5 on there for you.","start":3288.96,"end":3291.54,"sentiment":"positive","sentiment_score":0.47429862022399905},{"text":"All good.","start":3291.68,"end":3291.76,"sentiment":"positive","sentiment_score":0.6567546129226685},{"text":"And do you happen to know if you're able to, are you able to access, like, an income or an asset statement from Centrelink that sort of shows what they have your assets noted as?","start":3291.76,"end":3305.2551,"sentiment":"neutral","sentiment_score":0.09950401410460472},{"text":"Do you know how to get that from your myGov account, or do you have one handy at all?","start":3305.2551,"end":3309.355,"sentiment":"neutral","sentiment_score":0.04544526015065218}],"sentiment":"neutral","sentiment_score":0.15761508885771036,"channel":0,"num_words":66,"start":3288.96,"end":3309.355},{"sentences":[{"text":"No.","start":3310.4348,"end":3310.9348,"sentiment":"neutral","sentiment_score":-0.09186731278896332},{"text":"Sorry.","start":3310.9949,"end":3311.2349,"sentiment":"neutral","sentiment_score":-0.09911085665225984},{"text":"I've got no idea.","start":3311.2349,"end":3312.4548,"sentiment":"neutral","sentiment_score":-0.18936355412006378}],"sentiment":"neutral","sentiment_score":-0.15807206432024637,"channel":1,"num_words":6,"start":3310.4348,"end":3312.4548},{"sentences":[{"text":"No.","start":3313.0298,"end":3313.27,"sentiment":"neutral","sentiment_score":-0.11967774480581284},{"text":"That's okay.","start":3313.27,"end":3314.0898,"sentiment":"neutral","sentiment_score":-0.03288896381855011},{"text":"Do you know roughly what they have as your assets noted on Centrelink?","start":3314.63,"end":3321.5298,"sentiment":"neutral","sentiment_score":0.0031348921072024563},{"text":"Do you have do you know what they have or, like, your cars and savings accounts, what they have noted?","start":3321.5898,"end":3327.21,"sentiment":"neutral","sentiment_score":-0.00940210889093578}],"sentiment":"neutral","sentiment_score":-0.009242895912999908,"channel":0,"num_words":36,"start":3313.0298,"end":3327.21},{"sentences":[{"text":"No.","start":3328.62,"end":3329.12,"sentiment":"neutral","sentiment_score":-0.022815201431512833},{"text":"Would it be on Centrelink my Centrelink?","start":3330.78,"end":3333.2,"sentiment":"neutral","sentiment_score":-0.0090215764939785}],"sentiment":"neutral","sentiment_score":-0.010745779611170292,"channel":1,"num_words":8,"start":3328.62,"end":3333.2},{"sentences":[{"text":"It would yeah.","start":3332.915,"end":3334.035,"sentiment":"neutral","sentiment_score":0.022340747838219006},{"text":"It'd be on it's probably more on Frank's myGov because he's the one that's actually applied for it.","start":3334.035,"end":3340.135,"sentiment":"neutral","sentiment_score":0.011278167269968739},{"text":"Do you know how to log in to your myGov?","start":3340.4348,"end":3342.855,"sentiment":"neutral","sentiment_score":0.013522672466933727},{"text":"You log in pretty you should would, wouldn't you?","start":3343.28,"end":3345.68,"sentiment":"neutral","sentiment_score":0.006003002610264552},{"text":"Because you report","start":3345.68,"end":3346.9,"sentiment":"neutral","sentiment_score":0.0001410584275921186}],"sentiment":"neutral","sentiment_score":0.010690841344618347,"channel":0,"num_words":43,"start":3332.915,"end":3346.9},{"sentences":[{"text":"Yeah.","start":3347.475,"end":3347.875,"sentiment":"neutral","sentiment_score":0.05730840563774109},{"text":"I do.","start":3347.875,"end":3348.355,"sentiment":"neutral","sentiment_score":0.07496200501918793},{"text":"Frank's my guy.","start":3348.355,"end":3349.2349,"sentiment":"neutral","sentiment_score":0.06069382776816686},{"text":"Yep.","start":3349.2349,"end":3349.7349,"sentiment":"neutral","sentiment_score":0.12313304841518402}],"sentiment":"neutral","sentiment_score":0.07320670677082879,"channel":1,"num_words":7,"start":3347.475,"end":3349.7349},{"sentences":[{"text":"yeah.","start":3350.24,"end":3350.74,"sentiment":"neutral","sentiment_score":0.10576986521482468},{"text":"If I send an email afterwards just with a little bit of a direction on how to get that statement, would you be able to grab one of those statements and forward it through to me just so I can use that for the research for you for the plan?","start":3350.8,"end":3366.545,"sentiment":"neutral","sentiment_score":0.07476466424763202}],"sentiment":"neutral","sentiment_score":0.0753726093646358,"channel":0,"num_words":51,"start":3350.24,"end":3366.545},{"sentences":[{"text":"Yep.","start":3366.1301,"end":3366.585,"sentiment":"neutral","sentiment_score":0.02287628874182701}],"sentiment":"neutral","sentiment_score":0.02287628874182701,"channel":1,"num_words":1,"start":3366.1301,"end":3366.585},{"sentences":[{"text":"Yeah.","start":3368.5251,"end":3368.925,"sentiment":"neutral","sentiment_score":-0.00434831902384758},{"text":"If it's too much, let me know.","start":3368.925,"end":3370.865,"sentiment":"neutral","sentiment_score":-0.14161375910043716},{"text":"Is it","start":3376.59,"end":3376.99,"sentiment":"neutral","sentiment_score":-0.013548753224313259}],"sentiment":"neutral","sentiment_score":-0.10227421391755342,"channel":0,"num_words":10,"start":3368.5251,"end":3376.99},{"sentences":[{"text":"Yep.","start":3376.9849,"end":3377.4849,"sentiment":"neutral","sentiment_score":0.001696967869065702}],"sentiment":"neutral","sentiment_score":0.001696967869065702,"channel":1,"num_words":1,"start":3376.9849,"end":3377.4849},{"sentences":[{"text":"easier if I send you an email, or is it easier if I try to direct you through now?","start":3376.99,"end":3380.43,"sentiment":"neutral","sentiment_score":-0.02559806886864336},{"text":"What would be better for both of you guys?","start":3380.43,"end":3382.45,"sentiment":"neutral","sentiment_score":-0.01086420752108097}],"sentiment":"neutral","sentiment_score":-0.020862184864069735,"channel":0,"num_words":28,"start":3376.99,"end":3382.45},{"sentences":[{"text":"Probably an email.","start":3383.3,"end":3384.5,"sentiment":"neutral","sentiment_score":0.008116029823819797},{"text":"Thanks.","start":3384.5,"end":3384.9,"sentiment":"neutral","sentiment_score":0.1185724139213562},{"text":"Because I'm","start":3384.9,"end":3385.3801,"sentiment":"neutral","sentiment_score":0.007484562695026398}],"sentiment":"neutral","sentiment_score":0.026314938130478065,"channel":1,"num_words":6,"start":3383.3,"end":3385.3801},{"sentences":[{"text":"Yes.","start":3385.325,"end":3385.825,"sentiment":"neutral","sentiment_score":0.01903422549366951}],"sentiment":"neutral","sentiment_score":0.01903422549366951,"channel":0,"num_words":1,"start":3385.325,"end":3385.825},{"sentences":[{"text":"on Frank's phone.","start":3385.3801,"end":3386.34,"sentiment":"neutral","sentiment_score":-0.009737386057774225},{"text":"Because","start":3386.34,"end":3386.6602,"sentiment":"neutral","sentiment_score":-0.03822041302919388}],"sentiment":"neutral","sentiment_score":-0.01685814280062914,"channel":1,"num_words":4,"start":3385.3801,"end":3386.6602},{"sentences":[{"text":"Yeah.","start":3386.605,"end":3387.105,"sentiment":"neutral","sentiment_score":-0.046473465859889984}],"sentiment":"neutral","sentiment_score":-0.046473465859889984,"channel":0,"num_words":1,"start":3386.605,"end":3387.105},{"sentences":[{"text":"I'm on Frank's","start":3386.6602,"end":3387.8,"sentiment":"neutral","sentiment_score":-0.06362016002337138}],"sentiment":"neutral","sentiment_score":-0.06362016002337138,"channel":1,"num_words":3,"start":3386.6602,"end":3387.8},{"sentences":[{"text":"No.","start":3387.325,"end":3387.825,"sentiment":"neutral","sentiment_score":-0.11496835947036745}],"sentiment":"neutral","sentiment_score":-0.11496835947036745,"channel":0,"num_words":1,"start":3387.325,"end":3387.825},{"sentences":[{"text":"phone, and I would have","start":3387.86,"end":3388.66,"sentiment":"neutral","sentiment_score":-0.13674067705869675}],"sentiment":"neutral","sentiment_score":-0.13674067705869675,"channel":1,"num_words":5,"start":3387.86,"end":3388.66},{"sentences":[{"text":"No.","start":3388.605,"end":3389.105,"sentiment":"neutral","sentiment_score":-0.20490479469299316}],"sentiment":"neutral","sentiment_score":-0.20490479469299316,"channel":0,"num_words":1,"start":3388.605,"end":3389.105},{"sentences":[{"text":"to get on to me to get one Frank's phone.","start":3388.66,"end":3390.92,"sentiment":"neutral","sentiment_score":-0.15343028157949448}],"sentiment":"neutral","sentiment_score":-0.15343028157949448,"channel":1,"num_words":10,"start":3388.66,"end":3390.92},{"sentences":[{"text":"No.","start":3391.005,"end":3391.165,"sentiment":"neutral","sentiment_score":-0.14657250046730042},{"text":"No.","start":3391.165,"end":3391.2449,"sentiment":"neutral","sentiment_score":-0.08115945011377335},{"text":"That's absolutely fine.","start":3391.2449,"end":3392.365,"sentiment":"positive","sentiment_score":0.6817684173583984},{"text":"I'll send you an email with a breakdown of what to do.","start":3392.365,"end":3394.845,"sentiment":"neutral","sentiment_score":0.19784789780775705},{"text":"If you find it difficult or struggle, let me know.","start":3394.845,"end":3397.7449,"sentiment":"neutral","sentiment_score":-0.08319412656128407}],"sentiment":"neutral","sentiment_score":0.12443728924349502,"channel":0,"num_words":27,"start":3391.005,"end":3397.7449},{"sentences":[{"text":"We can always look at doing another option.","start":3398.21,"end":3400.13,"sentiment":"neutral","sentiment_score":0.009321671444922686},{"text":"I just wanted to make sure that when we are factoring in Centrelink that we understand what they have for assets and income and liabilities.","start":3400.13,"end":3407.75,"sentiment":"neutral","sentiment_score":0.06493656739592552},{"text":"That way, I can work on the same figures for you.","start":3408.0498,"end":3411.49,"sentiment":"neutral","sentiment_score":0.10307829454541206},{"text":"Okay?","start":3411.49,"end":3411.99,"sentiment":"neutral","sentiment_score":0.05226762592792511}],"sentiment":"neutral","sentiment_score":0.0640914760529995,"channel":0,"num_words":45,"start":3398.21,"end":3411.99},{"sentences":[{"text":"Yeah.","start":3411.97,"end":3412.47,"sentiment":"neutral","sentiment_score":0.05703720077872276},{"text":"Okay.","start":3412.69,"end":3413.19,"sentiment":"neutral","sentiment_score":0.08764693140983582}],"sentiment":"neutral","sentiment_score":0.07234206609427929,"channel":1,"num_words":2,"start":3411.97,"end":3413.19},{"sentences":[{"text":"Yep.","start":3412.9749,"end":3413.4749,"sentiment":"neutral","sentiment_score":0.2524246871471405},{"text":"Perfect.","start":3413.855,"end":3414.355,"sentiment":"positive","sentiment_score":0.6777271032333374},{"text":"Beautiful.","start":3414.815,"end":3415.315,"sentiment":"positive","sentiment_score":0.7141305208206177},{"text":"I have done here contents, roughly about 25,000 value of contents.","start":3416.415,"end":3421.4749,"sentiment":"neutral","sentiment_score":0.2476766353303736},{"text":"Would you increase that?","start":3421.615,"end":3422.655,"sentiment":"neutral","sentiment_score":0.13217699714004993}],"sentiment":"neutral","sentiment_score":0.27207962713307804,"channel":0,"num_words":18,"start":3412.9749,"end":3422.655},{"sentences":[{"text":"Got any big collections recently that you wanna maybe note down?","start":3422.655,"end":3426.335,"sentiment":"neutral","sentiment_score":0.044114242561838844},{"text":"Or","start":3426.335,"end":3426.835,"sentiment":"neutral","sentiment_score":-0.008119890466332436}],"sentiment":"neutral","sentiment_score":0.03976139814282457,"channel":0,"num_words":12,"start":3422.655,"end":3426.835},{"sentences":[{"text":"No.","start":3427.705,"end":3427.945,"sentiment":"neutral","sentiment_score":-0.10159263014793396},{"text":"I just","start":3427.945,"end":3428.605,"sentiment":"neutral","sentiment_score":-0.06811193004250526}],"sentiment":"neutral","sentiment_score":-0.07927216341098149,"channel":1,"num_words":3,"start":3427.705,"end":3428.605},{"sentences":[{"text":"No.","start":3428.77,"end":3429.27,"sentiment":"neutral","sentiment_score":-0.05976426973938942}],"sentiment":"neutral","sentiment_score":-0.05976426973938942,"channel":0,"num_words":1,"start":3428.77,"end":3429.27},{"sentences":[{"text":"Okay.","start":3429.065,"end":3429.465,"sentiment":"neutral","sentiment_score":0.05183678865432739},{"text":"The same.","start":3429.465,"end":3430.185,"sentiment":"neutral","sentiment_score":0.14239080622792244},{"text":"Thanks.","start":3430.185,"end":3430.685,"sentiment":"positive","sentiment_score":0.3778659701347351}],"sentiment":"neutral","sentiment_score":0.17862109281122684,"channel":1,"num_words":4,"start":3429.065,"end":3430.685},{"sentences":[{"text":"Yep.","start":3430.77,"end":3431.27,"sentiment":"neutral","sentiment_score":0.20293563604354856},{"text":"That's okay.","start":3431.41,"end":3432.3098,"sentiment":"positive","sentiment_score":0.3823024332523346},{"text":"All good.","start":3432.53,"end":3433.3499,"sentiment":"positive","sentiment_score":0.5500456690788269},{"text":"Other than that, you mentioned that you're putting about $800 away on a fortnightly basis to cover those bills and things.","start":3434.3699,"end":3441.7349,"sentiment":"neutral","sentiment_score":0.08020636315147082},{"text":"Are you managing to put anything into a bit of a savings account, or is everything that you're earning going out towards bills and expenses and and rates and things like that insurances?","start":3441.7349,"end":3452.4749,"sentiment":"neutral","sentiment_score":0.0349014245650985}],"sentiment":"neutral","sentiment_score":0.08311377080567812,"channel":0,"num_words":59,"start":3430.77,"end":3452.4749},{"sentences":[{"text":"Yeah.","start":3454.485,"end":3454.885,"sentiment":"neutral","sentiment_score":0.0040930453687906265},{"text":"Well, there's not much left.","start":3454.885,"end":3456.24,"sentiment":"neutral","sentiment_score":-0.12326710671186447},{"text":"I have opened a funeral account.","start":3456.56,"end":3461.46,"sentiment":"neutral","sentiment_score":-0.07834170572459698}],"sentiment":"neutral","sentiment_score":-0.09019106021150947,"channel":1,"num_words":12,"start":3454.485,"end":3461.46},{"sentences":[{"text":"Okay.","start":3462.1802,"end":3462.6802,"sentiment":"neutral","sentiment_score":0.0021267998963594437}],"sentiment":"neutral","sentiment_score":0.0021267998963594437,"channel":0,"num_words":1,"start":3462.1802,"end":3462.6802},{"sentences":[{"text":"Well, I did that a while ago, and I try and put $20 a fortnight or $20 a month in it, but it's in an account that gets if I don't touch it.","start":3462.8,"end":3473.665,"sentiment":"neutral","sentiment_score":-0.05443968674675985},{"text":"And if I put in, it gets the higher interest.","start":3473.665,"end":3476.4849,"sentiment":"neutral","sentiment_score":-0.06778842695057392}],"sentiment":"neutral","sentiment_score":-0.057544044933693354,"channel":1,"num_words":43,"start":3462.8,"end":3476.4849},{"sentences":[{"text":"Yep.","start":3476.115,"end":3476.615,"sentiment":"neutral","sentiment_score":0.02919328771531582}],"sentiment":"neutral","sentiment_score":0.02919328771531582,"channel":0,"num_words":1,"start":3476.115,"end":3476.615},{"sentences":[{"text":"It gets,","start":3476.785,"end":3477.425,"sentiment":"neutral","sentiment_score":0.0019144751131534576}],"sentiment":"neutral","sentiment_score":0.0019144751131534576,"channel":1,"num_words":2,"start":3476.785,"end":3477.425},{"sentences":[{"text":"Okay.","start":3477.4102,"end":3477.9102,"sentiment":"neutral","sentiment_score":0.005125705152750015}],"sentiment":"neutral","sentiment_score":0.005125705152750015,"channel":0,"num_words":1,"start":3477.4102,"end":3477.9102},{"sentences":[{"text":"like, a second lot of interest.","start":3477.425,"end":3479.045,"sentiment":"neutral","sentiment_score":-0.012373913079500198},{"text":"But I","start":3479.585,"end":3479.905,"sentiment":"neutral","sentiment_score":-0.025327530689537525}],"sentiment":"neutral","sentiment_score":-0.01561231748200953,"channel":1,"num_words":8,"start":3477.425,"end":3479.905},{"sentences":[{"text":"Okay.","start":3479.8901,"end":3480.3901,"sentiment":"neutral","sentiment_score":-0.036477889865636826}],"sentiment":"neutral","sentiment_score":-0.036477889865636826,"channel":0,"num_words":1,"start":3479.8901,"end":3480.3901},{"sentences":[{"text":"don't claim that on Centrelink because it's a funeral account.","start":3479.905,"end":3483.505,"sentiment":"neutral","sentiment_score":-0.055423105135560036},{"text":"So","start":3483.505,"end":3484.005,"sentiment":"neutral","sentiment_score":-0.0008689872920513153}],"sentiment":"neutral","sentiment_score":-0.05046363987705924,"channel":1,"num_words":11,"start":3479.905,"end":3484.005},{"sentences":[{"text":"Yeah.","start":3484.53,"end":3485.03,"sentiment":"neutral","sentiment_score":0.01075657643377781},{"text":"With the funeral, realistically, with Centrelink, that because that's just the bank account that you've opened that you've called funeral account.","start":3486.05,"end":3494.5652,"sentiment":"neutral","sentiment_score":0.01974716121774344},{"text":"Is that right?","start":3494.5652,"end":3495.465,"sentiment":"neutral","sentiment_score":0.040287485967079796}],"sentiment":"neutral","sentiment_score":0.02185237679630518,"channel":0,"num_words":25,"start":3484.53,"end":3495.465},{"sentences":[{"text":"Yeah.","start":3495.8098,"end":3496.3098,"sentiment":"neutral","sentiment_score":0.01126139983534813}],"sentiment":"neutral","sentiment_score":0.01126139983534813,"channel":1,"num_words":1,"start":3495.8098,"end":3496.3098},{"sentences":[{"text":"So, realistically, if they find that they will consider that an I'm sorry, an asset and assess under both the assets and the incomes test.","start":3497.8452,"end":3507.1501,"sentiment":"neutral","sentiment_score":-0.017321342130890115},{"text":"Are you putting that money away purely for, say, both of your funerals or one of you, or what's the plan with that?","start":3508.1702,"end":3514.4102,"sentiment":"neutral","sentiment_score":-0.030568344680511433},{"text":"Is it for anyone's funeral or more just focused around the two of you?","start":3514.4102,"end":3517.87,"sentiment":"neutral","sentiment_score":-0.0291905871459416}],"sentiment":"neutral","sentiment_score":-0.024915704854309648,"channel":0,"num_words":62,"start":3497.8452,"end":3517.87},{"sentences":[{"text":"Just off.","start":3518.31,"end":3519.13,"sentiment":"neutral","sentiment_score":-0.0436893068253994}],"sentiment":"neutral","sentiment_score":-0.0436893068253994,"channel":1,"num_words":2,"start":3518.31,"end":3519.13},{"sentences":[{"text":"Yeah.","start":3519.9448,"end":3520.345,"sentiment":"neutral","sentiment_score":-0.01136757805943489},{"text":"Because there are investment options or bonds that I have access to, which are funeral bonds.","start":3520.345,"end":3526.825,"sentiment":"neutral","sentiment_score":-0.024636543937958777},{"text":"And the idea is you could start with a certain amount of money if you had I think, you know, we just start with about a thousand dollars.","start":3526.825,"end":3532.605,"sentiment":"neutral","sentiment_score":0.1317343690565654},{"text":"And you can be putting some regular amounts in on a regular basis.","start":3533.16,"end":3536.3599,"sentiment":"neutral","sentiment_score":0.14760068230904066},{"text":"And these are the funeral bonds.","start":3536.3599,"end":3538.3,"sentiment":"neutral","sentiment_score":0.08604038693010807}],"sentiment":"neutral","sentiment_score":0.08934470693930052,"channel":0,"num_words":64,"start":3519.9448,"end":3538.3},{"sentences":[{"text":"If one of we could set two up if you wanted to.","start":3538.92,"end":3541.24,"sentiment":"neutral","sentiment_score":0.12547934986650944},{"text":"It's completely up to you.","start":3541.24,"end":3542.2,"sentiment":"neutral","sentiment_score":0.21059457063674927},{"text":"You can have a think about it.","start":3542.2,"end":3543.66,"sentiment":"neutral","sentiment_score":0.16573192392076766},{"text":"But, essentially, you set up this funeral bond.","start":3544.1199,"end":3546.76,"sentiment":"neutral","sentiment_score":0.1293748812749982},{"text":"The money is invested, so it is growing, not just getting a cash rate.","start":3546.76,"end":3550.9548,"sentiment":"neutral","sentiment_score":0.14756854197808675}],"sentiment":"neutral","sentiment_score":0.14825667732435724,"channel":0,"num_words":46,"start":3538.92,"end":3550.9548},{"sentences":[{"text":"But they are fully non assessable by Centrelink.","start":3551.415,"end":3554.155,"sentiment":"neutral","sentiment_score":0.04679298913106322},{"text":"So even if they find out about these accounts, they won't add them to your income and assets test.","start":3554.2148,"end":3559.095,"sentiment":"neutral","sentiment_score":-0.05088823288679123},{"text":"They are sheltered for Centrelink purposes, and we would have to set up two of them.","start":3559.095,"end":3564.08,"sentiment":"neutral","sentiment_score":0.1216612309217453},{"text":"But, essentially, if you were to then pass away, the money is withdrawn out to to the executor within twenty four hours of having the the death certificate provided.","start":3564.08,"end":3576.1,"sentiment":"neutral","sentiment_score":-0.13772357255220413},{"text":"Did you","start":3576.675,"end":3577.155,"sentiment":"neutral","sentiment_score":-0.06541403383016586}],"sentiment":"neutral","sentiment_score":-0.037442763361173706,"channel":0,"num_words":74,"start":3551.415,"end":3577.155},{"sentences":[{"text":"Florida.","start":3577.05,"end":3577.55,"sentiment":"neutral","sentiment_score":-0.0514894425868988}],"sentiment":"neutral","sentiment_score":-0.0514894425868988,"channel":1,"num_words":1,"start":3577.05,"end":3577.55},{"sentences":[{"text":"wanna look at something like that, or are you happy with the way it is at the moment and just wanna think about it?","start":3577.155,"end":3582.0352,"sentiment":"neutral","sentiment_score":-0.06368896861871083},{"text":"What do you think?","start":3582.0352,"end":3583.0151,"sentiment":"neutral","sentiment_score":0.008506586775183678}],"sentiment":"neutral","sentiment_score":-0.053375317848154476,"channel":0,"num_words":28,"start":3577.155,"end":3583.0151},{"sentences":[{"text":"Yeah.","start":3586.915,"end":3587.395,"sentiment":"neutral","sentiment_score":0.1271389275789261},{"text":"I can think about it.","start":3587.395,"end":3588.9949,"sentiment":"neutral","sentiment_score":0.11970619112253189},{"text":"It's probably you reckon that's a better way to go.","start":3588.9949,"end":3592.375,"sentiment":"neutral","sentiment_score":0.08415553644299507}],"sentiment":"neutral","sentiment_score":0.09795157797634602,"channel":1,"num_words":16,"start":3586.915,"end":3592.375},{"sentences":[{"text":"Well, they are sheltered for centrelink purposes.","start":3592.77,"end":3595.3499,"sentiment":"neutral","sentiment_score":0.09613082664353508},{"text":"At the moment, the sheltering amount is about $1,516,000 for centrelink purposes.","start":3595.49,"end":3601.27,"sentiment":"neutral","sentiment_score":0.06267688889056444},{"text":"But realistically, you can open up these accounts with as little as normally about $1,000.","start":3601.9749,"end":3606.875,"sentiment":"neutral","sentiment_score":0.11180187438925107},{"text":"You can be putting regular amounts in, say, 20 or $30 a month or, you know, a lump sum once a year into the bond.","start":3607.015,"end":3613.575,"sentiment":"neutral","sentiment_score":0.1520673131942749},{"text":"It just keeps being invested and grows.","start":3613.575,"end":3615.755,"sentiment":"neutral","sentiment_score":0.18899673649242946}],"sentiment":"neutral","sentiment_score":0.12464737203536612,"channel":0,"num_words":66,"start":3592.77,"end":3615.755},{"sentences":[{"text":"It is invested in an investment option like we might pick, as an example, like a a Vanguard fund, which might give you diversification, and it could get, like, you know, a two, three, or a 5% return on a yearly basis and be growing over time.","start":3616.1602,"end":3630.98,"sentiment":"neutral","sentiment_score":0.20143970767868327},{"text":"But they are fully sheltered, the Centrelink.","start":3632.295,"end":3634.535,"sentiment":"neutral","sentiment_score":0.09990374956812177},{"text":"Centrelink don't don't look at the bonds.","start":3634.535,"end":3637.595,"sentiment":"neutral","sentiment_score":-0.14281184758458818},{"text":"The amount that you put in, as long as it's under the the asset requirements, so under the 15 or $16,000, they don't count that, and gross from those funds is not assessed by Centrelink.","start":3638.135,"end":3651.2,"sentiment":"neutral","sentiment_score":-0.16473837196826935},{"text":"So it's really really a good way to shelter money.","start":3651.2,"end":3653.94,"sentiment":"positive","sentiment_score":0.7730056881904602}],"sentiment":"neutral","sentiment_score":0.10501437205469834,"channel":0,"num_words":106,"start":3616.1602,"end":3653.94},{"sentences":[{"text":"It can","start":3654.48,"end":3654.96,"sentiment":"positive","sentiment_score":0.5529945492744446}],"sentiment":"positive","sentiment_score":0.5529945492744446,"channel":0,"num_words":2,"start":3654.48,"end":3654.96},{"sentences":[{"text":"Yes.","start":3654.7898,"end":3655.2898,"sentiment":"positive","sentiment_score":0.586132287979126}],"sentiment":"positive","sentiment_score":0.586132287979126,"channel":1,"num_words":1,"start":3654.7898,"end":3655.2898},{"sentences":[{"text":"grow towards, you know, the goal of being able to pull that up for a funeral down the track.","start":3654.96,"end":3659.46,"sentiment":"positive","sentiment_score":0.6160021957598234},{"text":"The downside of these is that you can't access the funds to anything else.","start":3660.305,"end":3663.9048,"sentiment":"neutral","sentiment_score":-0.16471554126058305},{"text":"It has to only be pulled out for the purpose of a funeral.","start":3663.9048,"end":3667.825,"sentiment":"neutral","sentiment_score":-0.04830348119139671},{"text":"If you pull out, you have $20.","start":3667.825,"end":3669.4248,"sentiment":"neutral","sentiment_score":0.04045619549495833},{"text":"And if you pull all of that out and you only use $5 on a funeral, then that's But they don't let you access those bonds in advance to anything else, whereas the advantage to having that in the bank account like you have at the moment is that if something happens, you can use the funds elsewhere if you want to.","start":3669.4248,"end":3687.31,"sentiment":"neutral","sentiment_score":0.1730068352433943}],"sentiment":"neutral","sentiment_score":0.17199735686830853,"channel":0,"num_words":115,"start":3654.96,"end":3687.31},{"sentences":[{"text":"But we do have access to these other types of investments that we can certainly help you with.","start":3688.335,"end":3693.295,"sentiment":"positive","sentiment_score":0.5590959969494078},{"text":"You don't have to do it now.","start":3693.295,"end":3694.655,"sentiment":"positive","sentiment_score":0.4288150838443211},{"text":"You can just, you know, talk about it, mull on it, think about it if you like.","start":3694.655,"end":3697.695,"sentiment":"positive","sentiment_score":0.4057129639036515},{"text":"It's absolutely fine.","start":3697.695,"end":3699.155,"sentiment":"positive","sentiment_score":0.6527067621548971},{"text":"It's just another sort of option to look at as well.","start":3699.615,"end":3702.355,"sentiment":"positive","sentiment_score":0.43534652211449365}],"sentiment":"positive","sentiment_score":0.4769551062158176,"channel":0,"num_words":56,"start":3688.335,"end":3702.355},{"sentences":[{"text":"Yeah.","start":3703.645,"end":3704.145,"sentiment":"neutral","sentiment_score":0.25179851055145264},{"text":"We'll just talk about it, I think.","start":3705.2449,"end":3707.085,"sentiment":"neutral","sentiment_score":0.2591652295419148},{"text":"Thanks.","start":3707.085,"end":3707.585,"sentiment":"positive","sentiment_score":0.5105862617492676}],"sentiment":"neutral","sentiment_score":0.28628237545490265,"channel":1,"num_words":9,"start":3703.645,"end":3707.585},{"sentences":[{"text":"Absolutely.","start":3707.6199,"end":3708.1199,"sentiment":"positive","sentiment_score":0.5287563800811768}],"sentiment":"positive","sentiment_score":0.5287563800811768,"channel":0,"num_words":1,"start":3707.6199,"end":3708.1199},{"sentences":[{"text":"Just think it's, I mean, we only we don't wanna touch it, but I think it's a bit of if it's there, it's a bit of peace of mind if you need it, isn't it?","start":3708.125,"end":3720.19,"sentiment":"positive","sentiment_score":0.47796533959252496}],"sentiment":"positive","sentiment_score":0.47796533959252496,"channel":1,"num_words":35,"start":3708.125,"end":3720.19},{"sentences":[{"text":"Absolutely.","start":3720.7551,"end":3721.2551,"sentiment":"neutral","sentiment_score":0.16202521324157715},{"text":"And that is the downside to a funeral bond is that you can't take it out if you do need the money.","start":3721.395,"end":3725.795,"sentiment":"neutral","sentiment_score":-0.10874460705301979},{"text":"So say something happened and, know, you had to rush Frank to the doctors and needed the money quickly for a specialist appointment or something.","start":3725.795,"end":3732.67,"sentiment":"neutral","sentiment_score":-0.11578015804290771},{"text":"You know, you do have that money there as a bit of a backup as a buffer for you.","start":3732.73,"end":3736.59,"sentiment":"neutral","sentiment_score":-0.0493724503015217},{"text":"Whereas","start":3737.21,"end":3737.71,"sentiment":"neutral","sentiment_score":-0.028520509600639343}],"sentiment":"neutral","sentiment_score":-0.08958025232833974,"channel":0,"num_words":68,"start":3720.7551,"end":3737.71},{"sentences":[{"text":"Yes.","start":3737.225,"end":3737.725,"sentiment":"neutral","sentiment_score":0.008301403373479843}],"sentiment":"neutral","sentiment_score":0.008301403373479843,"channel":1,"num_words":1,"start":3737.225,"end":3737.725},{"sentences":[{"text":"a funeral bond, you can't pull that out.","start":3737.77,"end":3739.69,"sentiment":"neutral","sentiment_score":-0.02210733317770064},{"text":"It has to stay there no matter what.","start":3739.69,"end":3742.095,"sentiment":"neutral","sentiment_score":0.03578565688803792},{"text":"You don't have to keep putting money in a regular basis to the bond.","start":3742.7349,"end":3745.855,"sentiment":"neutral","sentiment_score":-0.02415838305439268},{"text":"It's definitely more sort of up to yourself, but there are the advantages and disadvantages.","start":3745.855,"end":3750.355,"sentiment":"neutral","sentiment_score":-0.07075366998712222},{"text":"It's always a good a good side to the option, but also a bad side as well.","start":3750.575,"end":3754.4949,"sentiment":"neutral","sentiment_score":-0.02439333454650991}],"sentiment":"neutral","sentiment_score":-0.02749649209961776,"channel":0,"num_words":62,"start":3737.77,"end":3754.4949},{"sentences":[{"text":"So it's about weighing up what's right for you at the time.","start":3754.4949,"end":3757.4749,"sentiment":"neutral","sentiment_score":-0.0011626568933327992}],"sentiment":"neutral","sentiment_score":-0.0011626568933327992,"channel":0,"num_words":12,"start":3754.4949,"end":3757.4749},{"sentences":[{"text":"Yeah.","start":3757.985,"end":3758.485,"sentiment":"neutral","sentiment_score":0.022782161831855777},{"text":"Okay.","start":3758.625,"end":3759.125,"sentiment":"neutral","sentiment_score":0.018831992521882057}],"sentiment":"neutral","sentiment_score":0.020807077176868916,"channel":1,"num_words":2,"start":3757.985,"end":3759.125},{"sentences":[{"text":"Yeah.","start":3759.48,"end":3759.8801,"sentiment":"neutral","sentiment_score":-0.002494438085705042},{"text":"That's okay.","start":3759.8801,"end":3760.7,"sentiment":"neutral","sentiment_score":0.3180231899023056},{"text":"I also just wanted to update.","start":3761.48,"end":3762.76,"sentiment":"neutral","sentiment_score":0.07028113740185897},{"text":"Now with the funeral accounts, how much do you have in there at the moment?","start":3762.76,"end":3765.98,"sentiment":"neutral","sentiment_score":0.02688432435194651}],"sentiment":"neutral","sentiment_score":0.060770984642052404,"channel":0,"num_words":24,"start":3759.48,"end":3765.98},{"sentences":[{"text":"Nearly 11.","start":3768.89,"end":3769.8699,"sentiment":"neutral","sentiment_score":0.025036977604031563}],"sentiment":"neutral","sentiment_score":0.025036977604031563,"channel":1,"num_words":2,"start":3768.89,"end":3769.8699},{"sentences":[{"text":"Okay.","start":3770.535,"end":3771.015,"sentiment":"neutral","sentiment_score":0.25612393021583557},{"text":"Fantastic.","start":3771.015,"end":3771.515,"sentiment":"positive","sentiment_score":0.6869657039642334},{"text":"Beautiful.","start":3773.655,"end":3774.155,"sentiment":"positive","sentiment_score":0.6545820832252502},{"text":"And you said you put about $20 per week in there.","start":3774.935,"end":3778.4548,"sentiment":"neutral","sentiment_score":0.0951562225818634},{"text":"Is that per month in there?","start":3778.4548,"end":3779.7349,"sentiment":"neutral","sentiment_score":0.04827705646554629}],"sentiment":"neutral","sentiment_score":0.14670262522995473,"channel":0,"num_words":20,"start":3770.535,"end":3779.7349},{"sentences":[{"text":"Sorry?","start":3779.7349,"end":3780.2349,"sentiment":"neutral","sentiment_score":0.03397834300994873}],"sentiment":"neutral","sentiment_score":0.03397834300994873,"channel":0,"num_words":1,"start":3779.7349,"end":3780.2349},{"sentences":[{"text":"Yeah.","start":3781.555,"end":3781.795,"sentiment":"neutral","sentiment_score":0.03602239862084389},{"text":"Some sometimes it's only $20 a month, but then last month, I got 40 something dollars interest on it.","start":3781.795,"end":3788.9148,"sentiment":"neutral","sentiment_score":0.05927021027003464},{"text":"So","start":3788.9148,"end":3789.4148,"sentiment":"neutral","sentiment_score":0.23651789128780365}],"sentiment":"neutral","sentiment_score":0.06660353738282408,"channel":1,"num_words":21,"start":3781.555,"end":3789.4148},{"sentences":[{"text":"Oh, fantastic.","start":3789.59,"end":3790.57,"sentiment":"positive","sentiment_score":0.680332213640213},{"text":"Excellent.","start":3792.3901,"end":3792.8901,"sentiment":"positive","sentiment_score":0.6715152859687805},{"text":"Lovely.","start":3795.845,"end":3796.345,"sentiment":"positive","sentiment_score":0.6465198397636414},{"text":"Well, feel free to have a chat.","start":3796.405,"end":3797.685,"sentiment":"neutral","sentiment_score":0.24167256908757345},{"text":"If you decide you wanted to go down that route, you can let me know.","start":3797.685,"end":3801.125,"sentiment":"neutral","sentiment_score":0.16750353922446568}],"sentiment":"neutral","sentiment_score":0.2647292548074172,"channel":0,"num_words":26,"start":3789.59,"end":3801.125},{"sentences":[{"text":"In the meantime, I would just leave that there as that, and not sort of account for it.","start":3801.125,"end":3805.845,"sentiment":"neutral","sentiment_score":0.03030659703330861},{"text":"Okay?","start":3805.845,"end":3806.345,"sentiment":"neutral","sentiment_score":0.07385513186454773}],"sentiment":"neutral","sentiment_score":0.0325986251823212,"channel":0,"num_words":19,"start":3801.125,"end":3806.345},{"sentences":[{"text":"Yep.","start":3806.93,"end":3807.3298,"sentiment":"neutral","sentiment_score":0.08992677927017212},{"text":"Okay.","start":3807.3298,"end":3807.73,"sentiment":"neutral","sentiment_score":0.17376504838466644},{"text":"Thanks.","start":3807.73,"end":3808.185,"sentiment":"positive","sentiment_score":0.4307336211204529}],"sentiment":"neutral","sentiment_score":0.23147514959176382,"channel":1,"num_words":3,"start":3806.93,"end":3808.185},{"sentences":[{"text":"Excellent.","start":3808.61,"end":3809.11,"sentiment":"positive","sentiment_score":0.37558382749557495},{"text":"Now other bank accounts and things, do you have any other term deposits or large savings accounts that Centrelink would wanna know about?","start":3809.4102,"end":3815.99,"sentiment":"neutral","sentiment_score":0.07234199102158131}],"sentiment":"neutral","sentiment_score":0.08497706754133105,"channel":0,"num_words":24,"start":3808.61,"end":3815.99},{"sentences":[{"text":"They're all under this, the limit.","start":3818.5051,"end":3820.365,"sentiment":"neutral","sentiment_score":-0.02403827818731467},{"text":"I mean, I think we've got 3,000 in the savings","start":3820.5051,"end":3823.96,"sentiment":"neutral","sentiment_score":0.03571512810885906}],"sentiment":"neutral","sentiment_score":0.013307600747793913,"channel":1,"num_words":16,"start":3818.5051,"end":3823.96},{"sentences":[{"text":"Yep.","start":3824.785,"end":3825.285,"sentiment":"neutral","sentiment_score":0.0545208603143692}],"sentiment":"neutral","sentiment_score":0.0545208603143692,"channel":0,"num_words":1,"start":3824.785,"end":3825.285},{"sentences":[{"text":"and 1,000 something in a bill paying account.","start":3825.46,"end":3828.18,"sentiment":"neutral","sentiment_score":0.05416640476323664},{"text":"So,","start":3828.18,"end":3828.68,"sentiment":"neutral","sentiment_score":0.05452878400683403}],"sentiment":"neutral","sentiment_score":0.05420666912363635,"channel":1,"num_words":9,"start":3825.46,"end":3828.68},{"sentences":[{"text":"Yep.","start":3828.865,"end":3829.365,"sentiment":"neutral","sentiment_score":0.04685348272323608}],"sentiment":"neutral","sentiment_score":0.04685348272323608,"channel":0,"num_words":1,"start":3828.865,"end":3829.365},{"sentences":[{"text":"yeah, not a great deal.","start":3829.0598,"end":3830.8398,"sentiment":"neutral","sentiment_score":-0.155977463722229}],"sentiment":"neutral","sentiment_score":-0.155977463722229,"channel":1,"num_words":5,"start":3829.0598,"end":3830.8398},{"sentences":[{"text":"No.","start":3831.44,"end":3831.68,"sentiment":"neutral","sentiment_score":-0.06454454362392426},{"text":"That's okay.","start":3831.68,"end":3832.4,"sentiment":"neutral","sentiment_score":0.08669210970401764},{"text":"That's not a problem at all.","start":3832.4,"end":3834.0798,"sentiment":"neutral","sentiment_score":0.13635042185584703},{"text":"1,000 there.","start":3834.0798,"end":3835.1199,"sentiment":"neutral","sentiment_score":0.09828111529350281},{"text":"Beautiful.","start":3835.1199,"end":3835.6199,"sentiment":"positive","sentiment_score":0.48580849170684814}],"sentiment":"neutral","sentiment_score":0.13410941076775393,"channel":0,"num_words":12,"start":3831.44,"end":3835.6199},{"sentences":[{"text":"Well, thank you for updating those details there for me.","start":3835.7598,"end":3838.8198,"sentiment":"positive","sentiment_score":0.47674441039562226},{"text":"Now I also had it noted.","start":3839.5198,"end":3841.0398,"sentiment":"neutral","sentiment_score":0.07791951298713684},{"text":"We do check this every year with you, but the last time you guys updated your will was 2010.","start":3841.0398,"end":3846.185,"sentiment":"neutral","sentiment_score":0.06109107481805902},{"text":"Is your will still valid?","start":3846.185,"end":3847.7852,"sentiment":"neutral","sentiment_score":0.04645280241966247},{"text":"Is it still suited to your circumstances, do you think?","start":3847.7852,"end":3851.485,"sentiment":"neutral","sentiment_score":0.051904293894767764}],"sentiment":"neutral","sentiment_score":0.1429399710893631,"channel":0,"num_words":50,"start":3835.7598,"end":3851.485},{"sentences":[{"text":"Yeah.","start":3852.3,"end":3852.78,"sentiment":"neutral","sentiment_score":0.04803726077079773},{"text":"Just","start":3852.78,"end":3853.28,"sentiment":"neutral","sentiment_score":0.04580474644899368}],"sentiment":"neutral","sentiment_score":0.046921003609895706,"channel":1,"num_words":2,"start":3852.3,"end":3853.28},{"sentences":[{"text":"Yes.","start":3853.465,"end":3853.965,"sentiment":"neutral","sentiment_score":0.06337517499923706}],"sentiment":"neutral","sentiment_score":0.06337517499923706,"channel":0,"num_words":1,"start":3853.465,"end":3853.965},{"sentences":[{"text":"close to one if it if one passes away and then both kids get it, and they're both executor and power of attorney.","start":3854.86,"end":3863.375,"sentiment":"neutral","sentiment_score":0.06921516941941303},{"text":"So","start":3863.4348,"end":3863.595,"sentiment":"neutral","sentiment_score":0.09594444930553436}],"sentiment":"neutral","sentiment_score":0.07032888941466808,"channel":1,"num_words":24,"start":3854.86,"end":3863.595},{"sentences":[{"text":"Yep.","start":3863.88,"end":3864.38,"sentiment":"neutral","sentiment_score":0.1016170084476471},{"text":"No.","start":3864.44,"end":3864.68,"sentiment":"neutral","sentiment_score":0.09632374346256256},{"text":"That's not a problem at all.","start":3864.68,"end":3866.46,"sentiment":"neutral","sentiment_score":0.18041488528251648},{"text":"And when you do turn 67 and fully retire, if you do need to sort of take a little bit of money out of super at the same time to replenish your income, just confirming, you would wanna keep your beneficiaries nominated to each other.","start":3867.32,"end":3881.685,"sentiment":"neutral","sentiment_score":0.16832901173167758},{"text":"So Frank to Robin, Robin to Frank.","start":3881.685,"end":3883.785,"sentiment":"neutral","sentiment_score":0.035014309521232335}],"sentiment":"neutral","sentiment_score":0.15167226263632377,"channel":0,"num_words":60,"start":3863.88,"end":3883.785},{"sentences":[{"text":"Yeah.","start":3884.34,"end":3884.82,"sentiment":"neutral","sentiment_score":0.1090259999036789},{"text":"Thanks.","start":3884.82,"end":3885.32,"sentiment":"neutral","sentiment_score":0.3055580258369446}],"sentiment":"neutral","sentiment_score":0.20729201287031174,"channel":1,"num_words":2,"start":3884.34,"end":3885.32},{"sentences":[{"text":"Yep.","start":3885.39,"end":3885.89,"sentiment":"neutral","sentiment_score":0.15161526203155518},{"text":"Beautiful.","start":3886.1099,"end":3886.6099,"sentiment":"positive","sentiment_score":0.37920504808425903}],"sentiment":"neutral","sentiment_score":0.2654101550579071,"channel":0,"num_words":2,"start":3885.39,"end":3886.6099},{"sentences":[{"text":"Yeah.","start":3887.205,"end":3887.365,"sentiment":"neutral","sentiment_score":0.10010701417922974},{"text":"We're not planning to split up.","start":3887.365,"end":3889.0652,"sentiment":"neutral","sentiment_score":-0.08474611987670262}],"sentiment":"neutral","sentiment_score":-0.05833852929728372,"channel":1,"num_words":7,"start":3887.205,"end":3889.0652},{"sentences":[{"text":"No.","start":3889.55,"end":3890.03,"sentiment":"neutral","sentiment_score":-0.04658800736069679},{"text":"Beautiful.","start":3890.03,"end":3890.53,"sentiment":"positive","sentiment_score":0.3667802810668946},{"text":"Beautiful.","start":3890.75,"end":3891.25,"sentiment":"positive","sentiment_score":0.4362713098526001},{"text":"Lovely.","start":3892.91,"end":3893.41,"sentiment":"neutral","sentiment_score":-0.0028627177234739065},{"text":"So what I can also look at, if you're comfortable with me doing so, is when you do get to 67 there, Robin, and you do maybe on the age pension with the both of you getting full age pension, hopefully, and maybe drawing a little bit out of your sofa, did you want me to look at whether we move fully into pension phase or whether we stay in the super that we're in.","start":3894.1099,"end":3915.71,"sentiment":"neutral","sentiment_score":0.14217548916737238}],"sentiment":"neutral","sentiment_score":0.1445159816884589,"channel":0,"num_words":79,"start":3889.55,"end":3915.71},{"sentences":[{"text":"Do you understand the difference between the two accounts and phases?","start":3915.71,"end":3919.3298,"sentiment":"neutral","sentiment_score":-0.011994992636821487}],"sentiment":"neutral","sentiment_score":-0.011994992636821487,"channel":0,"num_words":11,"start":3915.71,"end":3919.3298},{"sentences":[{"text":"The pension one, you gotta draw so much out every so often, don't you?","start":3921.645,"end":3926.865,"sentiment":"neutral","sentiment_score":-0.019970053008624485}],"sentiment":"neutral","sentiment_score":-0.019970053008624485,"channel":1,"num_words":14,"start":3921.645,"end":3926.865},{"sentences":[{"text":"That's right.","start":3927.3848,"end":3928.025,"sentiment":"neutral","sentiment_score":0.12161483615636826},{"text":"So when you're in that pension phase, they have a minimum balance that you have to be able to draw out, which at age 67 is about 5% of your total balance.","start":3928.025,"end":3938.045,"sentiment":"neutral","sentiment_score":0.11000360234174877},{"text":"But looking at the way your super is with your total balance there, you might be drawing a bit more out.","start":3938.505,"end":3944.53,"sentiment":"neutral","sentiment_score":0.033614911671195714},{"text":"So if at the moment with the age pension, it's the two of you, it doesn't quite make that $2,000 per fortnight doll.","start":3944.53,"end":3951.17,"sentiment":"neutral","sentiment_score":-0.08979698464922282},{"text":"So I would probably have to be drawing a little bit out of your supers to kind of replenish to make sure you're able to get that $2,000 per fortnight for your living expenses.","start":3951.17,"end":3960.345,"sentiment":"neutral","sentiment_score":-0.020862983320565784}],"sentiment":"neutral","sentiment_score":0.015130232254575406,"channel":0,"num_words":112,"start":3927.3848,"end":3960.345},{"sentences":[{"text":"Yes.","start":3961.39,"end":3961.89,"sentiment":"neutral","sentiment_score":0.18124136328697205}],"sentiment":"neutral","sentiment_score":0.18124136328697205,"channel":1,"num_words":1,"start":3961.39,"end":3961.89},{"sentences":[{"text":"If I do the research and it comes back and tells me that, you know, what you'd be drawing out meets that minimum requirement, there are benefits to being in pension phase.","start":3961.605,"end":3971.69,"sentiment":"neutral","sentiment_score":0.2443516361527145},{"text":"I mean, you do have to take the money out, but there's also no tax consequences.","start":3971.69,"end":3977.23,"sentiment":"neutral","sentiment_score":0.20237069856375456},{"text":"So at the moment, you're in the accumulation phase.","start":3977.45,"end":3980.75,"sentiment":"neutral","sentiment_score":0.21541239321231842},{"text":"That's where you're building your super up.","start":3980.89,"end":3983.29,"sentiment":"neutral","sentiment_score":0.30035822306360516},{"text":"All your employer contributions are going in.","start":3983.29,"end":3985.79,"sentiment":"neutral","sentiment_score":0.21518476094518388}],"sentiment":"neutral","sentiment_score":0.23386895719548345,"channel":0,"num_words":71,"start":3961.605,"end":3985.79},{"sentences":[{"text":"Any of the capital gains that your super makes, it actually currently pays tax on.","start":3986.125,"end":3991.185,"sentiment":"neutral","sentiment_score":0.20107565919558207},{"text":"And same with the income.","start":3991.245,"end":3992.5452,"sentiment":"neutral","sentiment_score":0.12142611891031266},{"text":"So any income that's made inside that fund, your super currently pays tax on.","start":3992.7651,"end":3997.5051,"sentiment":"neutral","sentiment_score":0.2532941145556314},{"text":"When you turn fully retire, so age 67, when you wanna retire, if we wanna move you fully into pension phase, there's no tax consequences in there.","start":3997.8052,"end":4006.5898,"sentiment":"neutral","sentiment_score":0.3135334137413237},{"text":"So your super fund can be making money, both capital gains and income, and there's no it doesn't pay any tax in that phase.","start":4006.89,"end":4014.27,"sentiment":"positive","sentiment_score":0.5551606888572375}],"sentiment":"positive","sentiment_score":0.340689903410042,"channel":0,"num_words":85,"start":3986.125,"end":4014.27},{"sentences":[{"text":"The only sort of downside is that you do have to take a minimum pension payment.","start":4014.525,"end":4018.625,"sentiment":"negative","sentiment_score":-0.45540429186075926},{"text":"Would you like me to assess whether staying in accumulation or moving into pension works better for you at that time?","start":4018.765,"end":4025.265,"sentiment":"neutral","sentiment_score":0.12122004780740965}],"sentiment":"neutral","sentiment_score":-0.12813101799504176,"channel":0,"num_words":37,"start":4014.525,"end":4025.265},{"sentences":[{"text":"Yeah.","start":4025.83,"end":4026.1501,"sentiment":"neutral","sentiment_score":0.2652950882911682},{"text":"Thanks.","start":4026.1501,"end":4026.6501,"sentiment":"positive","sentiment_score":0.47662773728370667},{"text":"So does that","start":4026.87,"end":4027.59,"sentiment":"neutral","sentiment_score":0.1865715632836024}],"sentiment":"neutral","sentiment_score":0.2603275030851364,"channel":1,"num_words":5,"start":4025.83,"end":4027.59},{"sentences":[{"text":"Yep.","start":4027.5,"end":4028.0,"sentiment":"neutral","sentiment_score":0.18202506005764008}],"sentiment":"neutral","sentiment_score":0.18202506005764008,"channel":0,"num_words":1,"start":4027.5,"end":4028.0},{"sentences":[{"text":"mean Frank should probably be in the pension phase now?","start":4027.59,"end":4031.2102,"sentiment":"neutral","sentiment_score":0.13505473881959915}],"sentiment":"neutral","sentiment_score":0.13505473881959915,"channel":1,"num_words":10,"start":4027.59,"end":4031.2102},{"sentences":[{"text":"Well, he can be, but he does have to take that minimum pension payment out.","start":4032.06,"end":4036.8,"sentiment":"neutral","sentiment_score":0.015122814973195394},{"text":"So at the moment with Frank's balance, because you don't really want to take any money out and don't really need to right now because you're still working, he is fine to stay in in the accumulation phase.","start":4037.98,"end":4049.945,"sentiment":"neutral","sentiment_score":0.18454034606877126},{"text":"It does mean","start":4050.085,"end":4050.805,"sentiment":"neutral","sentiment_score":0.07801589990655582}],"sentiment":"neutral","sentiment_score":0.13345398348090903,"channel":0,"num_words":56,"start":4032.06,"end":4050.805},{"sentences":[{"text":"Yes.","start":4050.61,"end":4051.11,"sentiment":"neutral","sentiment_score":0.07873044162988663}],"sentiment":"neutral","sentiment_score":0.07873044162988663,"channel":1,"num_words":1,"start":4050.61,"end":4051.11},{"sentences":[{"text":"that his fund is taking is paying a little bit of tax on the growth and the income that it is making.","start":4050.805,"end":4056.06,"sentiment":"neutral","sentiment_score":-0.01456366123800928},{"text":"But because you don't really need income out of it, there's nothing wrong with that.","start":4056.76,"end":4060.28,"sentiment":"neutral","sentiment_score":0.1591087833046913},{"text":"It's not paying a huge amount of tax.","start":4060.28,"end":4062.38,"sentiment":"neutral","sentiment_score":-0.027626956813037395},{"text":"The downside to it is that it is assessed by Centrelink.","start":4063.64,"end":4066.46,"sentiment":"neutral","sentiment_score":-0.20174535431645133},{"text":"So at the moment, yours is sheltered by Centrelink because, Robin, you're under 67.","start":4066.52,"end":4070.925,"sentiment":"neutral","sentiment_score":-0.029625485252056803}],"sentiment":"neutral","sentiment_score":-0.011267716331141335,"channel":0,"num_words":70,"start":4050.805,"end":4070.925},{"sentences":[{"text":"But when you turn 67, both of your super balances will be assessed by Centrelink.","start":4071.065,"end":4075.645,"sentiment":"neutral","sentiment_score":-0.017029324360191823}],"sentiment":"neutral","sentiment_score":-0.017029324360191823,"channel":0,"num_words":15,"start":4071.065,"end":4075.645},{"sentences":[{"text":"Yep.","start":4076.395,"end":4076.895,"sentiment":"neutral","sentiment_score":0.0235067754983902}],"sentiment":"neutral","sentiment_score":0.0235067754983902,"channel":1,"num_words":1,"start":4076.395,"end":4076.895},{"sentences":[{"text":"And given this the current Centrelink arrangements with the payments they make, you might need to take some income out.","start":4076.505,"end":4082.91,"sentiment":"neutral","sentiment_score":-0.057439889572560784},{"text":"So being in pension phase could actually work out better for you.","start":4082.99,"end":4086.6099,"sentiment":"neutral","sentiment_score":0.30391625377039116},{"text":"But did you want me to look at whether Frank should be in pension phase now or super, or are you happy just to sort of keep it where","start":4086.99,"end":4093.63,"sentiment":"neutral","sentiment_score":0.01172715091499789}],"sentiment":"neutral","sentiment_score":0.046529256234892076,"channel":0,"num_words":61,"start":4076.505,"end":4093.63},{"sentences":[{"text":"He","start":4093.455,"end":4093.955,"sentiment":"neutral","sentiment_score":0.01675313338637352}],"sentiment":"neutral","sentiment_score":0.01675313338637352,"channel":1,"num_words":1,"start":4093.455,"end":4093.955},{"sentences":[{"text":"it is now, Frank?","start":4093.63,"end":4094.43,"sentiment":"neutral","sentiment_score":0.009931362234055996},{"text":"What's your thought?","start":4094.43,"end":4095.41,"sentiment":"neutral","sentiment_score":-0.014326983286688725}],"sentiment":"neutral","sentiment_score":-0.00046507156054888455,"channel":0,"num_words":7,"start":4093.63,"end":4095.41},{"sentences":[{"text":"doesn't know.","start":4098.015,"end":4098.6553,"sentiment":"neutral","sentiment_score":-0.06188443303108215},{"text":"He doesn't do any of","start":4098.6553,"end":4099.535,"sentiment":"neutral","sentiment_score":-0.11521801203489304}],"sentiment":"neutral","sentiment_score":-0.09997984660523278,"channel":1,"num_words":7,"start":4098.015,"end":4099.535},{"sentences":[{"text":"He doesn't","start":4099.415,"end":4099.975,"sentiment":"neutral","sentiment_score":-0.11619498580694199}],"sentiment":"neutral","sentiment_score":-0.11619498580694199,"channel":0,"num_words":2,"start":4099.415,"end":4099.975},{"sentences":[{"text":"this stuff.","start":4099.535,"end":4100.355,"sentiment":"neutral","sentiment_score":-0.12104492634534836}],"sentiment":"neutral","sentiment_score":-0.12104492634534836,"channel":1,"num_words":2,"start":4099.535,"end":4100.355},{"sentences":[{"text":"know?","start":4099.975,"end":4100.475,"sentiment":"neutral","sentiment_score":-0.06167016550898552},{"text":"That's","start":4101.7354,"end":4101.975,"sentiment":"neutral","sentiment_score":-0.07415467500686646}],"sentiment":"neutral","sentiment_score":-0.06791242025792599,"channel":0,"num_words":2,"start":4099.975,"end":4101.975},{"sentences":[{"text":"I","start":4101.935,"end":4102.015,"sentiment":"neutral","sentiment_score":-0.04742490500211716}],"sentiment":"neutral","sentiment_score":-0.04742490500211716,"channel":1,"num_words":1,"start":4101.935,"end":4102.015},{"sentences":[{"text":"okay.","start":4101.975,"end":4102.475,"sentiment":"neutral","sentiment_score":-0.02567344531416893}],"sentiment":"neutral","sentiment_score":-0.02567344531416893,"channel":0,"num_words":1,"start":4101.975,"end":4102.475},{"sentences":[{"text":"suppose it's better off him staying where he is because don't wanna get it too much lower than that before","start":4102.015,"end":4109.65,"sentiment":"neutral","sentiment_score":-0.07624804098159074}],"sentiment":"neutral","sentiment_score":-0.07624804098159074,"channel":1,"num_words":20,"start":4102.015,"end":4109.65},{"sentences":[{"text":"Yeah.","start":4109.4297,"end":4109.59,"sentiment":"neutral","sentiment_score":-0.04261716827750206},{"text":"That","start":4109.59,"end":4109.8296,"sentiment":"neutral","sentiment_score":-0.06786215305328369}],"sentiment":"neutral","sentiment_score":-0.055239660665392876,"channel":0,"num_words":2,"start":4109.4297,"end":4109.8296},{"sentences":[{"text":"we","start":4109.65,"end":4109.89,"sentiment":"neutral","sentiment_score":-0.07590693235397339}],"sentiment":"neutral","sentiment_score":-0.07590693235397339,"channel":1,"num_words":1,"start":4109.65,"end":4109.89},{"sentences":[{"text":"is","start":4109.8296,"end":4110.3296,"sentiment":"neutral","sentiment_score":-0.08477023988962173}],"sentiment":"neutral","sentiment_score":-0.08477023988962173,"channel":0,"num_words":1,"start":4109.8296,"end":4110.3296},{"sentences":[{"text":"have to start pulling anything","start":4109.89,"end":4111.33,"sentiment":"neutral","sentiment_score":-0.09311673045158386}],"sentiment":"neutral","sentiment_score":-0.09311673045158386,"channel":1,"num_words":5,"start":4109.89,"end":4111.33},{"sentences":[{"text":"yeah.","start":4111.2695,"end":4111.7695,"sentiment":"neutral","sentiment_score":-0.07272202521562576}],"sentiment":"neutral","sentiment_score":-0.07272202521562576,"channel":0,"num_words":1,"start":4111.2695,"end":4111.7695},{"sentences":[{"text":"out.","start":4111.33,"end":4111.83,"sentiment":"neutral","sentiment_score":-0.05905018374323845}],"sentiment":"neutral","sentiment_score":-0.05905018374323845,"channel":1,"num_words":1,"start":4111.33,"end":4111.83},{"sentences":[{"text":"That that's the other side of it.","start":4112.23,"end":4113.67,"sentiment":"neutral","sentiment_score":-0.05452036804386547},{"text":"Yeah.","start":4113.67,"end":4113.9097,"sentiment":"neutral","sentiment_score":-0.01870122365653515},{"text":"I mean, the gross in the income this for the last twelve months up until now was essentially a positive of 2%.","start":4113.9097,"end":4121.3696,"sentiment":"neutral","sentiment_score":-0.03979260271245783},{"text":"So your fund hasn't made a huge amount.","start":4121.385,"end":4123.1445,"sentiment":"neutral","sentiment_score":-0.050938614178448915},{"text":"It's only paid a small amount of tax, whereas you would have to draw 5% out.","start":4123.1445,"end":4127.545,"sentiment":"neutral","sentiment_score":-0.12090224865823984}],"sentiment":"neutral","sentiment_score":-0.06699492502957582,"channel":0,"num_words":54,"start":4112.23,"end":4127.545},{"sentences":[{"text":"So if I look at your balance at the moment there, Frank, just to give you an idea, I'll just pop back into that file.","start":4127.545,"end":4134.525,"sentiment":"neutral","sentiment_score":0.034013014510273935},{"text":"Sorry.","start":4140.69,"end":4140.93,"sentiment":"neutral","sentiment_score":-0.03743605315685272},{"text":"I'm just pulling the document back up.","start":4140.93,"end":4142.87,"sentiment":"neutral","sentiment_score":-0.04798130424959319},{"text":"Okay.","start":4144.45,"end":4144.85,"sentiment":"neutral","sentiment_score":-0.005600272677838802},{"text":"So with your balance at the moment, Okay.","start":4144.85,"end":4163.1797,"sentiment":"neutral","sentiment_score":0.008365079353097826}],"sentiment":"neutral","sentiment_score":0.012817631952375882,"channel":0,"num_words":42,"start":4127.545,"end":4163.1797},{"sentences":[{"text":"So with the balance at the moment, if your funds, say, as an example, made $2,000 there at 15%, the tax on that would essentially be $300.","start":4163.6396,"end":4175.815,"sentiment":"neutral","sentiment_score":0.0012917808015589362},{"text":"So if your fund made $2,000 for the year, it would pay a $300 tax on that.","start":4175.815,"end":4181.355,"sentiment":"neutral","sentiment_score":0.0020901049103807003},{"text":"If, example, say, you needed to take out income from your super and you move the pension phase for the year at your current age there, it's about a 5%.","start":4181.735,"end":4191.3403,"sentiment":"neutral","sentiment_score":0.02379682706668973},{"text":"So 5% times your current balance of $89.03 $7.00 and 82¢.","start":4191.4,"end":4197.42,"sentiment":"neutral","sentiment_score":0.02805642206221819},{"text":"It essentially means you'd have to draw out that $4,468 for the year.","start":4197.8003,"end":4199.9834,"sentiment":"neutral","sentiment_score":0.035731246981483236}],"sentiment":"neutral","sentiment_score":0.015766856788667207,"channel":0,"num_words":98,"start":4163.6396,"end":4199.9834},{"sentences":[{"text":"That's a 5% of your current balance.","start":4199.9834,"end":4201.095,"sentiment":"neutral","sentiment_score":0.039812300354242325},{"text":"$168 for the year.","start":4202.1353,"end":4204.1353,"sentiment":"neutral","sentiment_score":0.06151163578033447},{"text":"That's at 5% of your current balance.","start":4204.1353,"end":4205.3354,"sentiment":"neutral","sentiment_score":0.08952392424855914},{"text":"So, frankly, beating that accumulation phase now, whilst your fund is still paying tax, the tax it's probably paying on the income it's made this year is lower than the amount you would have to draw out.","start":4205.3354,"end":4218.91,"sentiment":"neutral","sentiment_score":0.06119291625312857},{"text":"Does that make sense?","start":4218.9697,"end":4220.11,"sentiment":"neutral","sentiment_score":0.0696347588673234}],"sentiment":"neutral","sentiment_score":0.06261147546061015,"channel":0,"num_words":59,"start":4199.9834,"end":4220.11},{"sentences":[{"text":"Yeah.","start":4220.4897,"end":4220.9897,"sentiment":"neutral","sentiment_score":0.21271640062332153}],"sentiment":"neutral","sentiment_score":0.21271640062332153,"channel":0,"num_words":1,"start":4220.4897,"end":4220.9897},{"sentences":[{"text":"Yes.","start":4220.61,"end":4221.01,"sentiment":"neutral","sentiment_score":0.33082669973373413},{"text":"It sure does.","start":4221.01,"end":4222.15,"sentiment":"positive","sentiment_score":0.3793163001537323}],"sentiment":"positive","sentiment_score":0.36719390004873276,"channel":1,"num_words":4,"start":4220.61,"end":4222.15},{"sentences":[{"text":"Yeah.","start":4222.57,"end":4223.07,"sentiment":"neutral","sentiment_score":0.3285341262817383},{"text":"So, realistically, staying in accumulation right now means that you don't have to draw that money out.","start":4223.53,"end":4228.9697,"sentiment":"neutral","sentiment_score":0.3227687469300102},{"text":"It is still currently paying tax, but you still have an opportunity to grow your balance even more without the requirement of drawing down.","start":4228.9697,"end":4236.275,"sentiment":"positive","sentiment_score":0.3566951857258876},{"text":"So are you happy just to stay in that sort of accumulation or super stage now?","start":4236.275,"end":4241.335,"sentiment":"neutral","sentiment_score":0.25244433246552944}],"sentiment":"neutral","sentiment_score":0.31750683794761525,"channel":0,"num_words":58,"start":4222.57,"end":4241.335},{"sentences":[{"text":"Yes.","start":4241.975,"end":4242.455,"sentiment":"neutral","sentiment_score":0.14566820859909058},{"text":"Just stay on that.","start":4242.455,"end":4243.415,"sentiment":"neutral","sentiment_score":0.17763030529022217},{"text":"Alright.","start":4243.415,"end":4243.915,"sentiment":"neutral","sentiment_score":0.22271963953971863}],"sentiment":"neutral","sentiment_score":0.1798181782166163,"channel":1,"num_words":6,"start":4241.975,"end":4243.915},{"sentences":[{"text":"Yep.","start":4243.9697,"end":4244.4697,"sentiment":"neutral","sentiment_score":0.16678988933563232}],"sentiment":"neutral","sentiment_score":0.16678988933563232,"channel":0,"num_words":1,"start":4243.9697,"end":4244.4697},{"sentences":[{"text":"You","start":4244.25,"end":4244.73,"sentiment":"neutral","sentiment_score":0.16367264091968536}],"sentiment":"neutral","sentiment_score":0.16367264091968536,"channel":1,"num_words":1,"start":4244.25,"end":4244.73},{"sentences":[{"text":"And","start":4244.61,"end":4244.77,"sentiment":"neutral","sentiment_score":0.14084091782569885}],"sentiment":"neutral","sentiment_score":0.14084091782569885,"channel":0,"num_words":1,"start":4244.61,"end":4244.77},{"sentences":[{"text":"do","start":4244.73,"end":4244.81,"sentiment":"neutral","sentiment_score":0.23275189101696017}],"sentiment":"neutral","sentiment_score":0.23275189101696017,"channel":1,"num_words":1,"start":4244.73,"end":4244.81},{"sentences":[{"text":"we","start":4244.77,"end":4244.93,"sentiment":"neutral","sentiment_score":0.2008601725101471}],"sentiment":"neutral","sentiment_score":0.2008601725101471,"channel":0,"num_words":1,"start":4244.77,"end":4244.93},{"sentences":[{"text":"the best.","start":4244.81,"end":4245.39,"sentiment":"neutral","sentiment_score":0.17586609721183777}],"sentiment":"neutral","sentiment_score":0.17586609721183777,"channel":1,"num_words":2,"start":4244.81,"end":4245.39},{"sentences":[{"text":"can look at maybe moving into pension when Robin turns 67.","start":4244.93,"end":4248.4497,"sentiment":"neutral","sentiment_score":0.1852541213685816},{"text":"Does that sound right to you?","start":4248.4497,"end":4250.07,"sentiment":"neutral","sentiment_score":0.15206175670027733}],"sentiment":"neutral","sentiment_score":0.1735391691327095,"channel":0,"num_words":17,"start":4244.93,"end":4250.07},{"sentences":[{"text":"Yeah.","start":4250.65,"end":4250.97,"sentiment":"neutral","sentiment_score":0.20670226216316223},{"text":"That sounds good to","start":4250.97,"end":4251.93,"sentiment":"neutral","sentiment_score":0.2892046570777893}],"sentiment":"neutral","sentiment_score":0.2727041780948639,"channel":1,"num_words":5,"start":4250.65,"end":4251.93},{"sentences":[{"text":"Yeah.","start":4251.89,"end":4252.39,"sentiment":"neutral","sentiment_score":0.17397752404212952}],"sentiment":"neutral","sentiment_score":0.17397752404212952,"channel":0,"num_words":1,"start":4251.89,"end":4252.39},{"sentences":[{"text":"me.","start":4251.93,"end":4252.25,"sentiment":"neutral","sentiment_score":0.2305417358875275},{"text":"Yep.","start":4252.25,"end":4252.75,"sentiment":"positive","sentiment_score":0.3835607171058655}],"sentiment":"neutral","sentiment_score":0.30705122649669647,"channel":1,"num_words":2,"start":4251.93,"end":4252.75},{"sentences":[{"text":"Fantastic.","start":4252.93,"end":4253.43,"sentiment":"positive","sentiment_score":0.40991342067718506},{"text":"Now I've covered a lot, and I'm so sorry.","start":4254.61,"end":4256.93,"sentiment":"neutral","sentiment_score":0.12267322362297112},{"text":"But do either of you have any questions, did you want me to break anything down more for you?","start":4256.93,"end":4261.965,"sentiment":"neutral","sentiment_score":0.05237242334375256},{"text":"Or","start":4261.965,"end":4262.465,"sentiment":"neutral","sentiment_score":-0.13366977870464325}],"sentiment":"neutral","sentiment_score":0.07917928993701935,"channel":0,"num_words":30,"start":4252.93,"end":4262.465},{"sentences":[{"text":"No.","start":4263.745,"end":4264.225,"sentiment":"neutral","sentiment_score":0.016354788094758987},{"text":"Thanks.","start":4264.225,"end":4264.725,"sentiment":"neutral","sentiment_score":-0.04173355549573898}],"sentiment":"neutral","sentiment_score":-0.012689383700489998,"channel":1,"num_words":2,"start":4263.745,"end":4264.725},{"sentences":[{"text":"no.","start":4264.845,"end":4265.345,"sentiment":"neutral","sentiment_score":0.06295642256736755},{"text":"That's oh, that's good.","start":4265.725,"end":4268.925,"sentiment":"positive","sentiment_score":0.40672536194324493},{"text":"That's good.","start":4268.925,"end":4269.485,"sentiment":"positive","sentiment_score":0.3848150670528412},{"text":"It came a bit a bit confusing, but please let me know if there's anything you wanted me to sort of touch on.","start":4269.485,"end":4274.385,"sentiment":"neutral","sentiment_score":-0.09008022584021091},{"text":"What I can do now is I can go back and just look at the research.","start":4275.03,"end":4278.8896,"sentiment":"neutral","sentiment_score":0.013078906573355198}],"sentiment":"neutral","sentiment_score":0.01297620250641004,"channel":0,"num_words":46,"start":4264.845,"end":4278.8896},{"sentences":[{"text":"We can update the advice.","start":4278.9497,"end":4280.3896,"sentiment":"neutral","sentiment_score":0.06900237873196602},{"text":"We'll look at the two stages, what we do now with the super, with the investments, and how that looks when you turn 57, Robin, and when you are both fully retired and needing to draw down on what we can do income wise.","start":4280.3896,"end":4293.435,"sentiment":"neutral","sentiment_score":0.04911086767573248},{"text":"That'll give us a guide tracking and what we're planning over the next few years.","start":4293.655,"end":4299.355,"sentiment":"neutral","sentiment_score":0.09094444413979848},{"text":"And then moving forward, we can just keep reviewing that and make changes as we need to.","start":4299.4946,"end":4304.6,"sentiment":"neutral","sentiment_score":0.09179518547128229},{"text":"Does that sound okay?","start":4304.6,"end":4305.8003,"sentiment":"neutral","sentiment_score":0.0736933033913374}],"sentiment":"neutral","sentiment_score":0.06735703647136689,"channel":0,"num_words":85,"start":4278.9497,"end":4305.8003},{"sentences":[{"text":"Do both of you have any additional questions?","start":4305.8003,"end":4308.06,"sentiment":"neutral","sentiment_score":0.0220900303684175}],"sentiment":"neutral","sentiment_score":0.0220900303684175,"channel":0,"num_words":8,"start":4305.8003,"end":4308.06},{"sentences":[{"text":"That sounds good.","start":4309.3447,"end":4310.545,"sentiment":"positive","sentiment_score":0.46169962485631305},{"text":"Thanks.","start":4310.545,"end":4310.945,"sentiment":"positive","sentiment_score":0.5518583655357361},{"text":"Sounds","start":4310.945,"end":4311.185,"sentiment":"positive","sentiment_score":0.48649147152900696}],"sentiment":"positive","sentiment_score":0.48468974232673645,"channel":1,"num_words":5,"start":4309.3447,"end":4311.185},{"sentences":[{"text":"That sounds","start":4311.0,"end":4311.66,"sentiment":"positive","sentiment_score":0.6338851749897003}],"sentiment":"positive","sentiment_score":0.6338851749897003,"channel":0,"num_words":2,"start":4311.0,"end":4311.66},{"sentences":[{"text":"really good.","start":4311.185,"end":4311.8447,"sentiment":"positive","sentiment_score":0.6666863858699799}],"sentiment":"positive","sentiment_score":0.6666863858699799,"channel":1,"num_words":2,"start":4311.185,"end":4311.8447},{"sentences":[{"text":"great.","start":4311.72,"end":4312.22,"sentiment":"positive","sentiment_score":0.6816474795341492},{"text":"Fantastic.","start":4312.44,"end":4312.94,"sentiment":"positive","sentiment_score":0.7165606021881104},{"text":"Lovely.","start":4313.56,"end":4314.06,"sentiment":"positive","sentiment_score":0.6302533149719238},{"text":"Well, I feel like I've taken up enough of your precious time, so I will let you both go.","start":4314.36,"end":4318.86,"sentiment":"neutral","sentiment_score":0.33010073868851914},{"text":"I'll get my team just to double check that both those odor signs have gone through with the ongoing service agreement.","start":4319.505,"end":4324.485,"sentiment":"neutral","sentiment_score":0.14560961510453904}],"sentiment":"neutral","sentiment_score":0.2641436592784039,"channel":0,"num_words":43,"start":4311.72,"end":4324.485},{"sentences":[{"text":"If there's any issue, we'll make sure we resend it through, and I'll get my team to give you a buzz.","start":4324.8647,"end":4329.605,"sentiment":"neutral","sentiment_score":0.17179025869284356},{"text":"I'll send out an email there just directing and showing you how to get into the myGov to pull down the the asset information for Centrelink just for the research.","start":4330.145,"end":4340.58,"sentiment":"neutral","sentiment_score":0.15429685513178507},{"text":"And if you get stuck or have any problems, let me know.","start":4341.36,"end":4344.48,"sentiment":"neutral","sentiment_score":0.002345006757726273},{"text":"Okay?","start":4344.48,"end":4344.98,"sentiment":"neutral","sentiment_score":0.04260615259408951}],"sentiment":"neutral","sentiment_score":0.12980073937796988,"channel":0,"num_words":64,"start":4324.8647,"end":4344.98},{"sentences":[{"text":"Yeah.","start":4345.605,"end":4346.105,"sentiment":"neutral","sentiment_score":0.07680431753396988},{"text":"Will do.","start":4346.165,"end":4346.985,"sentiment":"neutral","sentiment_score":0.1504492089152336}],"sentiment":"neutral","sentiment_score":0.1259009117881457,"channel":1,"num_words":3,"start":4345.605,"end":4346.985},{"sentences":[{"text":"Fantastic.","start":4347.885,"end":4348.385,"sentiment":"positive","sentiment_score":0.5189136266708374},{"text":"I'll let you both go, Frank.","start":4348.8447,"end":4350.445,"sentiment":"positive","sentiment_score":0.4087690512339274},{"text":"I hope recovery's well.","start":4350.445,"end":4352.205,"sentiment":"positive","sentiment_score":0.3489876314997673},{"text":"Rest up.","start":4352.205,"end":4353.025,"sentiment":"neutral","sentiment_score":0.24450574815273285}],"sentiment":"positive","sentiment_score":0.37357615049068743,"channel":0,"num_words":13,"start":4347.885,"end":4353.025},{"sentences":[{"text":"Yeah.","start":4353.6,"end":4353.8403,"sentiment":"neutral","sentiment_score":0.12239369750022888},{"text":"That's what I've been doing.","start":4353.8403,"end":4355.14,"sentiment":"neutral","sentiment_score":0.16026026010513306}],"sentiment":"neutral","sentiment_score":0.15394916633764902,"channel":1,"num_words":6,"start":4353.6,"end":4355.14},{"sentences":[{"text":"Fantastic.","start":4356.2847,"end":4356.7847,"sentiment":"positive","sentiment_score":0.3702396750450134},{"text":"Robin,","start":4357.66,"end":4357.98,"sentiment":"neutral","sentiment_score":0.17528855800628662}],"sentiment":"neutral","sentiment_score":0.27276411652565,"channel":0,"num_words":2,"start":4356.2847,"end":4357.98},{"sentences":[{"text":"I","start":4357.84,"end":4358.34,"sentiment":"neutral","sentiment_score":0.18282367289066315}],"sentiment":"neutral","sentiment_score":0.18282367289066315,"channel":1,"num_words":1,"start":4357.84,"end":4358.34},{"sentences":[{"text":"I hope you get some downtime","start":4357.98,"end":4359.52,"sentiment":"neutral","sentiment_score":0.17427834371725717}],"sentiment":"neutral","sentiment_score":0.17427834371725717,"channel":0,"num_words":6,"start":4357.98,"end":4359.52},{"sentences":[{"text":"know.","start":4361.04,"end":4361.54,"sentiment":"neutral","sentiment_score":0.18557749688625336},{"text":"I I got another couple of weeks here, don't I?","start":4362.64,"end":4364.745,"sentiment":"neutral","sentiment_score":0.027285851165652276}],"sentiment":"neutral","sentiment_score":0.04167600077661601,"channel":1,"num_words":11,"start":4361.04,"end":4364.745},{"sentences":[{"text":"too.","start":4365.02,"end":4365.34,"sentiment":"neutral","sentiment_score":0.03829743713140488},{"text":"Oh, absolutely.","start":4365.34,"end":4366.56,"sentiment":"neutral","sentiment_score":0.07106403447687626},{"text":"No.","start":4366.78,"end":4367.18,"sentiment":"neutral","sentiment_score":0.043311137706041336},{"text":"All good.","start":4367.18,"end":4367.92,"sentiment":"neutral","sentiment_score":0.11055778339505196},{"text":"And I will attach the email there our financial services guide.","start":4368.22,"end":4371.42,"sentiment":"neutral","sentiment_score":0.07841760969974777}],"sentiment":"neutral","sentiment_score":0.07690858336932518,"channel":0,"num_words":17,"start":4365.02,"end":4371.42},{"sentences":[{"text":"It is really important we provide that to you.","start":4371.42,"end":4373.165,"sentiment":"neutral","sentiment_score":0.12801558193233278},{"text":"It's a a licensee document.","start":4373.165,"end":4375.085,"sentiment":"neutral","sentiment_score":0.09474709779024124},{"text":"It's a a document that explains everything about who we are.","start":4375.085,"end":4377.725,"sentiment":"neutral","sentiment_score":0.1116649948737838},{"text":"It has all my licensing information in there as a registered adviser for you, and it's also got a lovely picture of me in there as well.","start":4377.725,"end":4384.71,"sentiment":"neutral","sentiment_score":0.23787423913125638},{"text":"You're welcome to run your eyes over that.","start":4384.71,"end":4386.55,"sentiment":"neutral","sentiment_score":0.24700957164168358}],"sentiment":"neutral","sentiment_score":0.18754786166052023,"channel":0,"num_words":60,"start":4371.42,"end":4386.55},{"sentences":[{"text":"If you do have any additional questions, let me know.","start":4386.55,"end":4388.67,"sentiment":"neutral","sentiment_score":0.0980095237493515},{"text":"I know we've spoken a few times in the past, but","start":4388.67,"end":4391.43,"sentiment":"neutral","sentiment_score":0.04940161515365948}],"sentiment":"neutral","sentiment_score":0.0725482382944652,"channel":0,"num_words":21,"start":4386.55,"end":4391.43},{"sentences":[{"text":"Yeah.","start":4391.34,"end":4391.84,"sentiment":"neutral","sentiment_score":0.08765150606632233}],"sentiment":"neutral","sentiment_score":0.08765150606632233,"channel":1,"num_words":1,"start":4391.34,"end":4391.84},{"sentences":[{"text":"it's always good to update everything.","start":4391.43,"end":4393.13,"sentiment":"neutral","sentiment_score":0.2319268931945165},{"text":"And, you know, you meet a lot of people on a regular basis, so you might forget what I look like.","start":4393.19,"end":4397.83,"sentiment":"neutral","sentiment_score":0.11916794290854818},{"text":"You talk to me on the phone all the time, but","start":4397.83,"end":4399.85,"sentiment":"neutral","sentiment_score":0.009556655518033287}],"sentiment":"neutral","sentiment_score":0.10524240449855202,"channel":0,"num_words":38,"start":4391.43,"end":4399.85},{"sentences":[{"text":"Thanks for your help today.","start":4401.7646,"end":4403.2847,"sentiment":"positive","sentiment_score":0.7127183675765991},{"text":"Yeah.","start":4403.2847,"end":4403.6846,"sentiment":"positive","sentiment_score":0.38269490003585815},{"text":"Okay.","start":4403.6846,"end":4404.1846,"sentiment":"neutral","sentiment_score":0.28610897064208984}],"sentiment":"positive","sentiment_score":0.604627958365849,"channel":1,"num_words":7,"start":4401.7646,"end":4404.1846},{"sentences":[{"text":"not a problem at all, guys.","start":4404.145,"end":4405.505,"sentiment":"positive","sentiment_score":0.4914507369200389},{"text":"Thank you so much for your time.","start":4405.505,"end":4406.865,"sentiment":"positive","sentiment_score":0.864602097443172},{"text":"You both have an amazing afternoon.","start":4406.865,"end":4408.645,"sentiment":"positive","sentiment_score":0.8330470323562622},{"text":"I'll talk to you very soon.","start":4408.785,"end":4410.325,"sentiment":"positive","sentiment_score":0.6460984150568644}],"sentiment":"positive","sentiment_score":0.7150316715240479,"channel":0,"num_words":25,"start":4404.145,"end":4410.325},{"sentences":[{"text":"Okay.","start":4410.4873,"end":4410.9873,"sentiment":"neutral","sentiment_score":0.3230612277984619},{"text":"Okay.","start":4411.047,"end":4411.527,"sentiment":"neutral","sentiment_score":0.3166528344154358},{"text":"Thanks.","start":4411.527,"end":4412.027,"sentiment":"positive","sentiment_score":0.6743742227554321}],"sentiment":"positive","sentiment_score":0.4380294283231099,"channel":1,"num_words":3,"start":4410.4873,"end":4412.027},{"sentences":[{"text":"Thanks.","start":4412.145,"end":4412.545,"sentiment":"positive","sentiment_score":0.6869305968284607},{"text":"See you later.","start":4412.545,"end":4413.265,"sentiment":"positive","sentiment_score":0.5881043473879496},{"text":"Bye.","start":4413.265,"end":4413.765,"sentiment":"neutral","sentiment_score":-0.12616319954395294}],"sentiment":"positive","sentiment_score":0.4650160878896713,"channel":0,"num_words":5,"start":4412.145,"end":4413.765}]},"summary":{"result":"success","short":"The speakers discuss investment options and risk profiles for various funds and portfolio, recommending options for investment replacement and reducing risk levels, as well as discussing deducting money from super funds and the benefits of a property. They also touch on the importance of stable and predictable income for retirement and the benefits of using the funeral account and setting up funeral bonds. The agent explains the benefits of a fully sheltered funeral bond to customers, including flexibility for other investments and growth potential in the customer's balance. The conversation ends with guidance on accessing the myGov website and thanks from the speaker."},"intents":{"segments":[{"text":"Can I get you both just to confirm your date of birth for me and the address of where you should be the address I should have on file?","start_word":103,"end_word":131,"intents":[{"intent":"Provide address","confidence_score":0.5913614},{"intent":"Confirm date of birth","confidence_score":0.059792094}]},{"text":"Thank you so much for that. So just to give you guys a bit of an update on your super now I have sent you the annual review documents to you. They have been sent through from a different system for what we used to use. We used to use DocuSign, which you could kinda open and review the documents. With Yes.","start_word":169,"end_word":230,"intents":[{"intent":"Review documents","confidence_score":0.07884856}]},{"text":"Now I have also had a bit of a look at your portfolio underlying. I know last year when we spoke, we were looking at maybe making some alterations to, you know, see where we were tracking.","start_word":564,"end_word":600,"intents":[{"intent":"Discuss portfolio alterations.","confidence_score":4.1134932e-8}]},{"text":"It's mostly just with the market ups and downs. But when we sort of look at performance wise, you still have had a positive return inside your portfolio. So you still come out with a positive 2% return net of fees, and it does mean your portfolio has made about $3,951 there. It's just that those market fluctuations have affected that return.","start_word":731,"end_word":792,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.15662123}]},{"text":"So because that investment is more of an actively managed investment in your fund, they normally hold between 15 to 25 different investments.","start_word":1215,"end_word":1237,"intents":[{"intent":"Discuss investments","confidence_score":0.0064495606}]},{"text":"If you wanted to, I have a couple of options which might actually be a bit cheaper in investment fees.","start_word":1238,"end_word":1257,"intents":[{"intent":"Compare investment fees","confidence_score":0.016475111}]},{"text":"If you wanted to, I have a couple of options which might actually be a bit cheaper in investment fees. Does give you greater diversification.","start_word":1238,"end_word":1262,"intents":[{"intent":"Discuss investment options","confidence_score":0.06559342},{"intent":"Clarify investment options","confidence_score":0.0068439464}]},{"text":"Instead of having, you know, 15 or 20 investors in the fund, have about 200. So it gives you greater diversification and might be a bit cheaper in administration fees and investment fees.","start_word":1263,"end_word":1295,"intents":[{"intent":"Discuss investment diversification benefits","confidence_score":0.000038534436}]},{"text":"Would you like me to look at a cheaper investment for you, or do you have any questions about that?","start_word":1296,"end_word":1315,"intents":[{"intent":"Provide investment advice","confidence_score":0.0026272226}]},{"text":"So having a look at I mean, when we sort of looked at that last time and we in August, we looked at the balanced portfolio, which sorta has that sixty forty split. Do you want to maybe have more defensive investments rather than that 60% growth, or would you rather see a little bit more growth?","start_word":2294,"end_word":2350,"intents":[{"intent":"Explore portfolio options","confidence_score":0.017895365}]},{"text":"Gonna go into the file and have a quick look at your last advice document to sort of see what we were looking at for yourself, Robin, to see how this was put together. Sorry.","start_word":2603,"end_word":2637,"intents":[{"intent":"Analyze portfolio structure","confidence_score":0.10983678}]},{"text":"With the ups and downs, the market is seeing probably a really good way to look at how you think about risk and how you should be invested is if you think about risk as a number between one and five. If you say five is most aggressive portfolio, a 100% invested in those high risk investments like shares, and one is being all fully in cash and not getting much of a return.","start_word":2939,"end_word":3012,"intents":[{"intent":"Consider portfolio risk","confidence_score":0.0013377909}]},{"text":"Where do you think each of you might fit in between that? Do you think it'd be more on the one, two, three, or right up near five? Where do you think you'd feel? Probably about the middle.","start_word":3012,"end_word":3049,"intents":[{"intent":"Discuss optimal investment size","confidence_score":0.000048178037}]},{"text":"And, Frank, do you think you'll be wanting to start trying to maybe access some of your super before Robin does turn 67, or do you think you're gonna try and hold off a bit longer and see, you know, what the both of you being on age pension looks like? Yeah.","start_word":3079,"end_word":3130,"intents":[{"intent":"Consider retirement age","confidence_score":0.0017058899}]},{"text":"When you do go on to age pension there, Robin, how much do you both need realistically to live on on, say, a weekly or fortnightly basis to for living expenses? How much do you both need to earn together? Now we probably live on about $2 a fortnight.","start_word":3205,"end_word":3253,"intents":[{"intent":"Discuss budget","confidence_score":0.00034320634}]},{"text":"Do you think you'll need to when you do retire fully need to still earn $2,000 on a fortnightly basis together? Or I'm not sure.","start_word":3269,"end_word":3293,"intents":[{"intent":"Confirm retirement requirements","confidence_score":0.013865559}]},{"text":"Do you think you'll need to when you do retire fully need to still earn $2,000 on a fortnightly basis together? Or I'm not sure. not sure? Did you want me to factor that in as the income that you do need to survive on? Yeah.","start_word":3269,"end_word":3314,"intents":[{"intent":"Discuss income requirements","confidence_score":0.08065665}]},{"text":"Did you want me to factor that into the advice and maybe do it a little bit bigger for you both? Yeah.","start_word":3546,"end_word":3567,"intents":[{"intent":"Evaluate super-scheduling advice","confidence_score":0.0006988122}]},{"text":"So you've obviously heard on the news what's been happening with the markets over the past, you know, couple of months there with The US and the Iran war and everything else. If you saw your super balances fall by 20% because of, say, big market changes. How do you think that is making you feel?","start_word":3700,"end_word":3755,"intents":[{"intent":"Evaluate market trends","confidence_score":0.028098227}]},{"text":"This sort of portfolio normally suits someone who has about three years that are wanting to access a super now or within the next sort of three years.","start_word":4317,"end_word":4344,"intents":[{"intent":"Determine asset preferences","confidence_score":0.00055018}]},{"text":"So I can, just if you want, look at doing a portfolio that gives you that fifty fifty split that gives you 50% growth investment, 50% defensive. So you are very much lowering the risk level and keeping, you know, some growth, some low risk investments there.","start_word":4653,"end_word":4699,"intents":[{"intent":"Discuss portfolio benefits","confidence_score":0.0058944337}]},{"text":"If we look at more of a balanced portfolio, which is more of a sixty thirty split, you'd be expecting or averaging returns of hopefully about five to 7% on a yearly basis.","start_word":4895,"end_word":4927,"intents":[{"intent":"Share portfolio portfolio details","confidence_score":3.0356986e-7}]},{"text":"the fifty fifty is more of a risk than the seventy thirty. No.","start_word":4978,"end_word":4990,"intents":[{"intent":"Describe investment risk","confidence_score":0.0000063901084}]},{"text":"the fifty fifty is more of a risk than the seventy thirty. No. The fifty fifty is definitely less. The 70 Yep. 30 is taking more risk. That's 70% growth investment, 30% defensive. The other first one we went through, which is the defensive portfolio, which is sort of 30% growth, 70% defensive, that one is the lowest kind of risk that you do get. But you're also taking a less returns in that kind of area. Okay.","start_word":4978,"end_word":5055,"intents":[{"intent":"Explain investment","confidence_score":0.0014498266}]},{"text":"And I can look at building a portfolio for you that is going to give you that fifty fifty split.","start_word":5074,"end_word":5093,"intents":[{"intent":"Suggest portfolio building","confidence_score":0.00020566257}]},{"text":"So I'll go back and do a bit more research on your portfolios, have a look at where we are, and we'll look at doing something with that 50% growth, 50% defensive.","start_word":5433,"end_word":5464,"intents":[{"intent":"Discuss portfolios","confidence_score":0.013136525}]},{"text":"Is there anything else you wanted me to sort of incorporate for you? No. That's all. Thanks. That sounds okay? Beautiful. Lovely. Now, Robin, I can also see here you have made some extra contributions to Super, which is great.","start_word":5566,"end_word":5605,"intents":[{"intent":"Incorporate extra contributions","confidence_score":0.40193674}]},{"text":"So that money goes in there from your after tax income, which means a 100% of that money is invested into the market. You can choose to claim it as a tax deduction.","start_word":5718,"end_word":5750,"intents":[{"intent":"Claim tax deduction","confidence_score":0.060280733}]},{"text":"So then if you claimed that as a as a tax deduction, it essentially and this is not including any other options. This is just kinda general looking at the numbers at the moment. But, essentially, that 1,040, if you added that as a tax deduction and claim and notice of intent, can essentially reduce your taxable income down. Where is sorry.","start_word":6073,"end_word":6134,"intents":[{"intent":"Calculate tax deduction deductions","confidence_score":0.05836622}]},{"text":"Does that sound Yep.","start_word":6363,"end_word":6366,"intents":[{"intent":"Determine tax deduction eligibility","confidence_score":0.0059340233}]},{"text":"Those forms that he sent me to sign, that's got a $20,000 That's the 20 Yeah.","start_word":6897,"end_word":6912,"intents":[{"intent":"Recount IRS forms","confidence_score":0.000010316357}]},{"text":"Because I can see for yours, Robin, is the ongoing fee can sent arrangement. That's the one that we sent through just then. And then So I just sign it and send it back. yeah.","start_word":7032,"end_word":7066,"intents":[{"intent":"Confirm fee agreement","confidence_score":0.036712732}]},{"text":"Just to sort of reiterate, so super wise, you know, not accessing anything unless you need to until, Robin, you turn age 67.","start_word":7744,"end_word":7766,"intents":[{"intent":"Recommend avoiding accessing anything","confidence_score":0.00012018992}]},{"text":"look at the Centrelink side of things for you and look at the portfolios and see what we can come up with keeping that kind of 50% split either to the, you know, to the risk factor for you.","start_word":7769,"end_word":7807,"intents":[{"intent":"Discuss the centrelink side of things","confidence_score":0.0007756277}]},{"text":"Thank you so much, Robin.","start_word":7899,"end_word":7903,"intents":[{"intent":"Express gratitude for the gift","confidence_score":0.0010370899}]},{"text":"love these new computer systems. Okay.","start_word":7919,"end_word":7924,"intents":[{"intent":"Explain the value of a computer system","confidence_score":0.00029961768},{"intent":"Discuss the potential value of a computer system","confidence_score":0.014031078},{"intent":"Discuss the value of a computer system","confidence_score":0.018984614}]},{"text":"So I'm having I'm just having a quick look online to see what the estimated value of the property is at the moment to sort of see what is out there and what they're saying. So The same, realistically, estimated property value, mid range about 400,000, high range about $4.55. Did Yep.","start_word":8061,"end_word":8112,"intents":[{"intent":"Estimate property value","confidence_score":0.07790056}]},{"text":"Because I can sort of average that out and work it out on the thirty two hours and average that over the course of the year for you to kinda give me an estimate on the income if you like.","start_word":8365,"end_word":8404,"intents":[{"intent":"Calculate income","confidence_score":0.0049848026}]},{"text":"Because there are investment options or bonds that I have access to, which are funeral bonds.","start_word":9432,"end_word":9447,"intents":[{"intent":"Inquire about investment options","confidence_score":0.00025733208}]},{"text":"And these are the funeral bonds. If one of we could set two up if you wanted to.","start_word":9489,"end_word":9506,"intents":[{"intent":"Set up funeral bonds","confidence_score":0.076130934}]},{"text":"And that is the downside to a funeral bond is that you can't take it out if you do need the money. So say something happened and, know, you had to rush Frank to the doctors and needed the money quickly for a specialist appointment or something. You know, you do have that money there as a bit of a backup as a buffer for you. Whereas Yes.","start_word":10052,"end_word":10119,"intents":[{"intent":"Discuss funeral bond benefits","confidence_score":0.025806533}]},{"text":"I also just wanted to update. Now with the funeral accounts, how much do you have in there at the moment?","start_word":10199,"end_word":10219,"intents":[{"intent":"Update funeral accounts","confidence_score":0.5642367}]},{"text":"I also just wanted to update. Now with the funeral accounts, how much do you have in there at the moment? Nearly 11. Okay.","start_word":10199,"end_word":10222,"intents":[{"intent":"Update will 2019","confidence_score":0.000030397767}]},{"text":"Now other bank accounts and things, do you have any other term deposits or large savings accounts that Centrelink would wanna know about?","start_word":10313,"end_word":10335,"intents":[{"intent":"Discuss term deposits and savings accounts","confidence_score":0.053420253}]},{"text":"We do check this every year with you, but the last time you guys updated your will was 2010. Is your will still valid? Is it still suited to your circumstances, do you think? Yeah.","start_word":10396,"end_word":10430,"intents":[{"intent":"Confirm will validity","confidence_score":0.26137307}]},{"text":"So what I can also look at, if you're comfortable with me doing so, is when you do get to 67 there, Robin, and you do maybe on the age pension with the both of you getting full age pension, hopefully, and maybe drawing a little bit out of your sofa, did you want me to look at whether we move fully into pension phase or whether we stay in the super that we're in.","start_word":10533,"end_word":10607,"intents":[{"intent":"Analyze pension phase impact","confidence_score":0.000051646668}]},{"text":"Would you like me to assess whether staying in accumulation or moving into pension works better for you at that time? Yeah. Thanks.","start_word":10918,"end_word":10940,"intents":[{"intent":"Evaluate pension phase","confidence_score":0.120075256},{"intent":"Assess frank's status","confidence_score":0.012123558}]},{"text":"So with the balance at the moment, if your funds, say, as an example, made $2,000 there at 15%, the tax on that would essentially be $300. So if your fund made $2,000 for the year, it would pay a $300 tax on that.","start_word":11308,"end_word":11351,"intents":[{"intent":"Clarify tax rates","confidence_score":0.00075361086}]},{"text":"So are you happy just to stay in that sort of accumulation or super stage now?","start_word":11512,"end_word":11527,"intents":[{"intent":"Stay in accumulation","confidence_score":0.17422539}]},{"text":"can look at maybe moving into pension when Robin turns 67. Does that sound right to you? Yeah.","start_word":11541,"end_word":11558,"intents":[{"intent":"Consider pension move","confidence_score":0.008701607}]},{"text":"What I can do now is I can go back and just look at the research. We can update the advice.","start_word":11628,"end_word":11648,"intents":[{"intent":"Update advice","confidence_score":0.37969452}]},{"text":"We'll look at the two stages, what we do now with the super, with the investments, and how that looks when you turn 57, Robin, and when you are both fully retired and needing to draw down on what we can do income wise. That'll give us a guide tracking and what we're planning over the next few years. And then moving forward, we can just keep reviewing that and make changes as we need to. Does that sound okay?","start_word":11650,"end_word":11729,"intents":[{"intent":"Review investment strategies","confidence_score":0.00046169528}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Frank. Robin, can you hear me better now? Hello? Hi, Frank. It's Dana from Oakview. Can you hear me better? Yeah. I can hear you better. Yep. It's Yep.","start_word":0,"end_word":30,"sentiment":"neutral","sentiment_score":0.052178241312503815},{"text":"good. Fantastic. Much clearer.","start_word":31,"end_word":34,"sentiment":"positive","sentiment_score":0.5206797122955322},{"text":"Yeah. A bit louder too. Oh, good.","start_word":35,"end_word":41,"sentiment":"neutral","sentiment_score":0.16796576976776123},{"text":"Good.","start_word":42,"end_word":42,"sentiment":"positive","sentiment_score":0.3653413653373718},{"text":"Good. Well, I won't yell into the phone too much. Just tell me to to slow down. Get a bit quieter for you. All good. Just before we jump into the call again, I just need to do a quick security check there with you. I have emailed some documents to you, but we can kinda go through those shortly. Can I get you both just to confirm your date of birth for me and the address of where you should be the address I should have on file? 09/17 to 11/1960. Yep. 361 Quarterwood Creek Road, Scottsdale, Queensland 4804. Beautiful.","start_word":43,"end_word":143,"sentiment":"neutral","sentiment_score":0.07215616106987},{"text":"Thank you so much for that.","start_word":144,"end_word":149,"sentiment":"positive","sentiment_score":0.5388802886009216},{"text":"And, Frank, I'll describe your date of birth there for Twenty seventh of the second, fifty seven. me. Legend.","start_word":150,"end_word":168,"sentiment":"neutral","sentiment_score":0.1519559919834137},{"text":"Thank you so much for that.","start_word":169,"end_word":174,"sentiment":"positive","sentiment_score":0.3633909821510315},{"text":"So just to give you guys a bit of an update on your super now I have sent you the annual review documents to you. They have been sent through from a different system for what we used to use. We used to use DocuSign, which you could kinda open and review the documents. With Yes. OdooSign, you can do the exact same thing. It's just they added as attachments on the front of the email. So I have been finding some people struggle a little bit with opening up the attachments. So if you like, what I can do is I can give you both a bit of a run through on your super balanced performance, and then you're welcome to review those documents a bit later. Does that sound okay at all? Yeah. That's good.","start_word":175,"end_word":311,"sentiment":"neutral","sentiment_score":0.08899267762899399},{"text":"Thanks.","start_word":312,"end_word":312,"sentiment":"positive","sentiment_score":0.3438531160354614},{"text":"Yeah. That's okay. Don't wanna make it too difficult. You guys probably had a big week as well. Yes. All good. So, Robin, I'll give you a bit of an update first. Now having a look at things, you did do a bit of a withdrawal earlier this year. Having a look at things that your balance last year when we sort of caught up to do your annual review, which was late last year there, the balance was about a 150,020. You did do a bit of a withdrawal earlier this year as well, so that does affect the balance. But your balance at the moment is about $135,008.66, and your performance has not done too bad. So whilst the super, well, while the markets as a whole have been a bit volatile going up and down a lot with what's been happening between The US and the Iran, with that war out there, you've actually come out with a positive 6.26% return at the end of the year, which is great.","start_word":313,"end_word":485,"sentiment":"neutral","sentiment_score":0.10085158397960396},{"text":"And that's, yeah, giving you total earnings in your portfolio of about $10,992. So you have made some money in your portfolios after the year, which is good to see.","start_word":486,"end_word":515,"sentiment":"positive","sentiment_score":0.5597853064537048},{"text":"Yeah. So what Yeah. did it say if the balance now was 135,000? 135,000. Yep. Sorry. I've got it here. My apologies. My computer just had a little bit of a moment. 135,866 and 81<unk>. Alright. Okay. Yep. Thanks. Yeah.","start_word":516,"end_word":557,"sentiment":"neutral","sentiment_score":-0.0068077328614890575},{"text":"Beautiful. So it is really good to see.","start_word":557,"end_word":565,"sentiment":"positive","sentiment_score":0.3964081406593323},{"text":"Now I have also had a bit of a look at your portfolio underlying. I know last year when we spoke, we were looking at maybe making some alterations to, you know, see where we were tracking. I also wanted to sort of touch base today to have a bit of a chat about making some changes to both of your portfolios as well because I have, after doing some research, noted some of the investments are underperforming a little bit. So we wanna make sure that whilst you're not taking too much risk in the market, that, you know, your super is performing at its best as well. Okay? Yeah. Frank, to give you a bit of an update there, when we sort of caught up last year, your balance then was $89,841.09. Yeah. Speaking now, your balance is 89,370 and 82<unk>. So it has just gone down a little bit there, and that is because of the ups and downs the market is seeing. It's mostly just with the market ups and downs.","start_word":565,"end_word":738,"sentiment":"neutral","sentiment_score":0.03688206921877532},{"text":"But when we sort of look at performance wise, you still have had a positive return inside your portfolio. So you still come out with a positive 2% return net of fees, and it does mean your portfolio has made about $3,951 there.","start_word":739,"end_word":781,"sentiment":"positive","sentiment_score":0.4901203513145447},{"text":"It's just that those market fluctuations have affected that return. And at the moment, the balance is down slightly because of the ongoing the ongoing ups and downs the market is seeing. But, realistically, I mean, if I look back to this time last year, your balance then was 86,000. So it is still steadily increasing. It's just from when we spoke in August to now, there's a slight drop in in your balance. That's all. And it's only of Yep. a couple of $100 there. So I do expect to come back and recover a little bit moving forward.","start_word":782,"end_word":881,"sentiment":"neutral","sentiment_score":-0.0937134176492691},{"text":"Okay. All good.","start_word":882,"end_word":884,"sentiment":"positive","sentiment_score":0.4494105875492096},{"text":"The other thing I sort of wanted to talk to you both about, as I kinda mentioned before, I've looked at both of your super funds. You both do have and have been recommended in the past the Banda Long Australian Equities investment. When you are looking at the internal rate of return report, that's probably one of the investments that is underperforming in both of your supers at the moment. Now when we kind of did when you did get the last advice document a couple of years back, and this was recommended in there, the main objective to having this investment in your super is that the investment manager within that spend along Australian Equities Fund, they are essentially trying to pick the market, time the market, and buy and sell investments that, you know, basically time when they can get into the market and buy investments that are low that they see additional growth for. And this investment manager is supposed to be trying to trade against the market and and try to make sure that the fund is outperforming the market to try to get a much greater return. When I sort of had a look at how they're performing and what's been going on, over the last year, Banda Long has not been able to do that, and I don't know if you sort of had a look at that investment over the past few years. But from COVID onwards, they have had a bit of up and downs. They've had some years which have been really great and other years which have struggled heavily. With the most recent struggles they've had, I've had a bit of a look, and I don't believe they're a good investment any longer. I wanted to sort of maybe look at taking that out there for you, replacing it with something else. I've actually been having a look, and I wanted to get both of your thoughts on this. So because that investment is more of an actively managed investment in your fund, they normally hold between 15 to 25 different investments. If you wanted to, I have a couple of options which might actually be a bit cheaper in investment fees. Does give you greater diversification. Instead of having, you know, 15 or 20 investors in the fund, have about 200. So it gives you greater diversification and might be a bit cheaper in administration fees and investment fees. Would you like me to look at a cheaper investment for you, or do you have any questions about that? We don't know too much about it. So what Yeah. we'll just whatever you Yeah. really think. Yep. Did you want me to sort of try and lower the cost of maybe investment fees for you so that you're not paying as much in investment fees for investment? As long as you think the investments are good. Yeah. Okay.","start_word":885,"end_word":1374,"sentiment":"neutral","sentiment_score":-0.03855243763240168},{"text":"Beautiful.","start_word":1375,"end_word":1375,"sentiment":"positive","sentiment_score":0.5538927316665649},{"text":"I've had a bit of a look.","start_word":1376,"end_word":1382,"sentiment":"neutral","sentiment_score":0.2613980174064636},{"text":"There's a few different options that work really well.","start_word":1383,"end_word":1391,"sentiment":"positive","sentiment_score":0.3443037271499634},{"text":"One of the things that I have sort of been finding that a lot of my older clients are looking to do is, a, to save a little bit of money and fees, which is important, but also have investments that have been working a little bit more. But also with what's been happening in the markets globally at the moment, maybe creating greater diversification and trying to lower risk a little bit more. Is that something you're wanting me to sort of look at and focus on? Yes. Yeah. Yep.","start_word":1392,"end_word":1482,"sentiment":"neutral","sentiment_score":0.14385294914245603},{"text":"Absolutely. This level is beautiful.","start_word":1483,"end_word":1487,"sentiment":"positive","sentiment_score":0.6821779608726501},{"text":"I have a couple of options for investments to replace Bannalong. I just wanted to sort of note that this has been underperforming a little bit, so we it's time to remove that for you and see if we can update both of your portfolios. You both do have quite different portfolios there. And I just wanted to sort of gauge where we're at. Now we did a risk profile when we spoke in August last year. And having a look at things, the current risk profiles, frankly, you're more in an older defensive portfolio. So that's essentially Yeah. meant to be a little bit more lower risk, more income producing. We do expect lower returns from these portfolios, but it's more about giving your super longevity, holding on to your capital as long as possible. Do you when we kinda did that risk profile for you both, you both came out as more of a balanced investor. So that essentially sees about 60% of your super invested in areas of growth, like international shares, Australian shares, gold and silver, and also, you know, property, and then the other sort of 40% in lower risk defensive investments like cash, bonds, and fixed interest. This investment normally suits someone who has about three years before wanting to access their super whilst, Frank, I know you're already retired. Robin, do you feel like you're wanting to sort of stop working in the next couple of years, or what's your aim for? How how much longer you wanna work? I only work two days a week, and I'd love to give it up.","start_word":1488,"end_word":1757,"sentiment":"neutral","sentiment_score":-0.011348909463871407},{"text":"But until I can get a pension, there's not much I can do about it.","start_word":1758,"end_word":1772,"sentiment":"negative","sentiment_score":-0.3495604395866394},{"text":"Okay. No. That's alright. So But you're that's happy to continue that for a bit longer. so that's about fifteen months, and then I'll Yeah. Yeah. Because you've only just turned 65. Yeah. Close to 66. Yeah. No. Excellent. So looking at when you're able to access age pension and then kind of give up work completely and retire, not a problem at all. And, Frank, you're getting the age pension at the moment. You're still reporting every fortnight based on Robin's income. Is that right? Yeah. And yeah. Well, I'm doing it, and they take money off him because I earn money. So Yeah. Yeah.","start_word":1773,"end_word":1878,"sentiment":"neutral","sentiment_score":0.07131988063173474},{"text":"That's okay.","start_word":1879,"end_word":1880,"sentiment":"positive","sentiment_score":0.3747253119945526},{"text":"You're not wanting to sort of drop hours to maximize the age pension. You're sort of happy with the way it's working at the moment? Well, I've worked it out. I mean, we can sorta the way it is, I'm still better off than not working. So Okay. Yep.","start_word":1881,"end_word":1929,"sentiment":"neutral","sentiment_score":0.15784266591072085},{"text":"That's okay.","start_word":1930,"end_word":1931,"sentiment":"positive","sentiment_score":0.3693818151950836},{"text":"And Frank, do you wanna start do you need to start maybe accessing a little bit of money out of your super, or are you wanting to hold off on that for a bit longer? Hold off if we can and just Yep. get some out if we need it would be Yeah. the best way to go at the moment. Yeah. That's okay. Not a problem. I just access whenever you do need. Do you think you might need a little, a withdrawal in the next couple of months at all that I might be able to factor into the advice for you? I don't think so. Not at the moment. Not unless No. I go away on holidays and leave him at home. Sounds good. It does. It does. I don't know, Frank. Do you wanna go on holidays? Well, we had a just had a big one. You did. You did. And that was I remember that's the reason you took the funds out for that last withdrawal. And how was that? Great. Not long enough. Four Yeah. and a half They go weeks, but, fast. yeah, Yeah. wish it was longer. Yeah. No. But, anyway. Not a problem. Not a problem at all. So, essentially, with this advice piece, I'll just sort of look at maybe restructuring the investments, look at the cost, any tax consequences your super needs to factor in, keeping you both in the super, you know, accumulation kind of area at the moment, not withdrawing any additional funds currently. And just sort of looking at longevity wise, what this might mean. Did you want me to sort of look at it in the next fifteen months and maybe factor in, you know, the expected age pension entitlement for you both, Robin, when you do get to that age to see what that might look like? Yeah. If if you can.","start_word":1932,"end_word":2249,"sentiment":"neutral","sentiment_score":0.0580142967684089},{"text":"Thanks.","start_word":2250,"end_word":2250,"sentiment":"positive","sentiment_score":0.5606818199157715},{"text":"Yeah.","start_word":2251,"end_word":2251,"sentiment":"neutral","sentiment_score":0.330249547958374},{"text":"That's okay.","start_word":2252,"end_word":2253,"sentiment":"positive","sentiment_score":0.3616958558559418},{"text":"Yeah. Not And, a I mean, problem. if our super can be, yeah, not as, I mean, it's not very risky at the moment, but a little bit less risky as well, Okay. maybe. No. That's yeah. No. That's okay. So having a look at I mean, when we sort of looked at that last time and we in August, we looked at the balanced portfolio, which sorta has that sixty forty split. Do you want to maybe have more defensive investments rather than that 60% growth, or would you rather see a little bit more growth?","start_word":2254,"end_word":2350,"sentiment":"neutral","sentiment_score":-0.04579218477010727},{"text":"What's Be good to have both.","start_word":2351,"end_word":2356,"sentiment":"positive","sentiment_score":0.3767588138580322},{"text":"yep. I could I could try to make it so we see about a fifty fifty split if you want. I can look to create a portfolio that sees 50% in those low risk defensive investments like cash, bonds, and fixed interest, which is where we get income from. They do get a lower rate of return, but they're there for security and income producing. They pay out, you know, regular dividends and income, which gets reinvested back into your super. And then I could look to maybe keep 50% in that growth area with those Australian and international equities and gold and silver and things like that. Did you want me to kind of restructure it to give you more of a balanced approach fifty fifty? Yeah. Thanks. I don't really understand a lot of it, but, yeah, Yep. that might be Yep. less I mean, risky. looking yeah. I mean, looking at where you guys are at the moment, I'm just sort of seeing if I can find out what your last one was. Because I know Rob and yours is more of an older kind of defensive portfolio. And from what I can see here, Frank, you're in more of a balanced growth environment from where we were. So that's kind of that seventy thirty, split 70% in those, you know, riskier investments and 30% in those low risk investors. So bringing things down for yourself would absolutely be preferable. I'm just sorry. Gonna go into the file and have a quick look at your last advice document to sort of see what we were looking at for yourself, Robin, to see how this was put together. Sorry. Won't be a second. Gotta love computers when they wanna work. It's loading and thinking about it. Nope. Technology is good. Oh, isn't it great? Yeah.","start_word":2357,"end_word":2663,"sentiment":"neutral","sentiment_score":0.08881650695195027},{"text":"That's exactly right.","start_word":2664,"end_word":2666,"sentiment":"positive","sentiment_score":0.38571155071258545},{"text":"Okay. So okay. So with this sort of defensive portfolio that we have here for you there, Robin, the way it was sort of put together from what I can see here and I'll go back, obviously, and have a really good review of things again as I go back through and redo the research for you there. But when we look at those higher risk kind of growth investments like Australian shares, international shares, a bit of property, and also some sort of, you know, gold and silver there, the way this was sort of structured was that you would see about 43.6%. So about 40 odd percent in those sorts of investments, and then the more defensive investments and lower risk, you are roughly about the same. So you're kind of in that fifty fifty split there. The idea is it's about getting some good growth and making your super work a bit harder in some areas, but then also trying to get, you know, lower risk and keep your super keep your capital there without seeing big market fluctuations, so big ups and downs. Yeah. Did you want me to sort of keep it that fifty fifty split, making sure that you're not, you know, taking on too much risk? I can on yeah. Yeah. It looks like you've kind of meant to have that sort of fifty fifty split in here anyway. Sort of 48 between 43, 45, then 48. It looks like you are meant to sort of have that fifty fifty split in these older portfolios with them being in that kind of defensive environment. With the ups and downs, the market is seeing probably a really good way to look at how you think about risk and how you should be invested is if you think about risk as a number between one and five. If you say five is most aggressive portfolio, a 100% invested in those high risk investments like shares, and one is being all fully in cash and not getting much of a return. Where do you think each of you might fit in between that? Do you think it'd be more on the one, two, three, or right up near five? Where do you think you'd feel? Probably about the middle. Three. The about a three? Yep. Okay. How about yourself there, Frank? Where do you think you might fit? Yeah. That's the three. Right? About a three? Yep.","start_word":2667,"end_word":3077,"sentiment":"neutral","sentiment_score":0.11629947225071507},{"text":"Beautiful.","start_word":3078,"end_word":3078,"sentiment":"positive","sentiment_score":0.5569418668746948},{"text":"And, Frank, do you think you'll be wanting to start trying to maybe access some of your super before Robin does turn 67, or do you think you're gonna try and hold off a bit longer and see, you know, what the both of you being on age pension looks like? Yeah. It's trying out a little bit longer. Try and hold off a bit longer, sort of maybe living on the age pension fully and then just drawing down income as you need it. Is that sort of how you see your super? Is that right? I think so. Yeah. Yeah. Yep. That's okay. As long as the age sleep is gonna be enough. The way it's gonna be, it's not. But anyway Yeah. Yeah. When you do go on to age pension there, Robin, how much do you both need realistically to live on on, say, a weekly or fortnightly basis to for living expenses? How much do you both need to earn together? Now we probably live on about $2 a fortnight. Okay. Yep. I Okay. don't think the aid pension quite covers that. Not quite. No. Do you think you'll need to when you do retire fully need to still earn $2,000 on a fortnightly basis together? Or I'm not sure. not sure? Did you want me to factor that in as the income that you do need to survive on? Yeah. Thanks. Sometimes it's Yeah. hard because by the time you pay rates and, you know, I put away $800 a fortnight for rates, Yeah. insurances, and regos, and health fund, and yeah. Yeah. Do you think you might need a little bit more on a fortnightly basis to sort of help cover those things, or are you fairly comfortable that you should be right on $2,000 a fortnight to say a thousand dollars a week? I'm not sure. Not sure? That's okay. Because if you like, what I could do with this advice piece for you, we'll look at, you know, you making sure we retain your supers, but maybe look at the investments within that to make sure that you're in a certain risk profile that's comfortable for you, that the returns, you know, are working. But then I can also factor in based on the current because, obviously, age pension does increase in Ulta and is indexed every year twice a year. So we are working on the current scenario, but I could then obviously project out to when you're 67, look at how much you might be entitled to age pension together. It should basically be on full age pension given your current assets there. But then look at what you might need to draw down to supplement that from super and how long that might last you. Did you want me to factor that into the advice and maybe do it a little bit bigger for you both? Yeah.","start_word":3079,"end_word":3567,"sentiment":"neutral","sentiment_score":-0.01336514737251346},{"text":"That'd be good. Thanks.","start_word":3568,"end_word":3571,"sentiment":"positive","sentiment_score":0.4330948889255524},{"text":"Yeah. That's okay. Just give you a bit of an idea of where things are tracking, what it might look like. And then as we get closer and closer to that point, we can always update the advice. And if we, you know, if age pension increases a little bit more, it means you could draw a little bit less out of super to sort of survive. And that can give you a little bit more longevity as well. Does that make sense? Does that sound okay? Yep. Yep.","start_word":3572,"end_word":3660,"sentiment":"neutral","sentiment_score":0.12178414314985277},{"text":"Beautiful. Lovely.","start_word":3661,"end_word":3662,"sentiment":"positive","sentiment_score":0.6023948192596436},{"text":"Now another really good question to kinda go through when we are looking at the portfolios, one of the biggest ones I do like to think about and ask is if you saw the market fall. So you've obviously heard on the news what's been happening with the markets over the past, you know, couple of months there with The US and the Iran war and everything else. If you saw your super balances fall by 20% because of, say, big market changes. How do you think that is making you feel? Are you feeling optimistic about the investment opportunity? Are you feeling cautious, concerned, or extremely anxious? Concerned, but I don't really listen to the news.","start_word":3663,"end_word":3779,"sentiment":"neutral","sentiment_score":-0.0010289022555718054},{"text":"It's always bad. So Never have anything good to say.","start_word":3780,"end_word":3789,"sentiment":"negative","sentiment_score":-0.37968167662620544},{"text":"Not really. I'm talking, aren't I? Oh, no. Look. In all honesty, I don't listen to the news a great deal either. I read what comes out, but I don't just watch the news every night at 06:00 because it is just awful.","start_word":3790,"end_word":3832,"sentiment":"neutral","sentiment_score":-0.2156110107898712},{"text":"It's horrible. It's not fun to you know, nothing ever good happens.","start_word":3833,"end_word":3844,"sentiment":"negative","sentiment_score":-0.3685544431209564},{"text":"No. But I kinda just read the news that comes out from, you know, the economists and the areas that we look at at work. So I can keep up to date in other ways. Alright. All good. So, realistically, do you think you'd be more towards that sort of anxious concern sort of area? Am I right on the right track there? Yeah. Probably. Because, yeah, we can't afford for our super to get too much lower. No. No. Of course. Well, Definitely. I mean, without us spending it. So Okay. Yeah. I'll tick off the anxious button there. That would make you feel pretty anxious, you reckon? Yeah. Yeah. That's okay. Absolutely. And if it did happen to fall by 20%, obviously, don't want it to happen that way. But if it did, do you think you'd be calling us funny at what's going on? Are you wanting to maybe move money into cash? How do you think you might react in those circumstance? Yeah. I'm not sure. Probably a phone call to see what you just recommend. But Yep. yeah. Yep. Be a bit worried going, hey. What happened to my stupid? How do I fix this? What's going on? Yeah. No. Excellent.","start_word":3845,"end_word":4050,"sentiment":"neutral","sentiment_score":-0.07607974857091904},{"text":"That's a really good answer. Beautiful.","start_word":4051,"end_word":4056,"sentiment":"positive","sentiment_score":0.3939922749996186},{"text":"And when we think about average returns of what you're sort of hoping to try and obtain from your super over the longer term, are you trying to aim for the highest returns you can knowing that you need to take a bit more risk to get better returns, or do you consider yourself happy with, say, a two, four, or a 6% return on a regular bay on a yearly basis to keep your super working as long as possible? Well, we want the super to work as long as possible, but we can't really afford the risk to try and get really good returns. Yep. Yep. No. That's okay.","start_word":4057,"end_word":4167,"sentiment":"neutral","sentiment_score":0.037229400128126144},{"text":"That's not a problem at all.","start_word":4168,"end_word":4173,"sentiment":"positive","sentiment_score":0.3895784914493561},{"text":"So the way you've both sort of scored and you have scored very much the same area, it is a bit different to where you scored in August, and it's a good thing we went through this again because you've scored as more of a conservative defensive investor, which is when we look at those those risky assets, this sort of portfolio would normally see about 25 to 35% in those growth assets. They're very much a a change, reducing those growth assets down. That's Australian shares, international shares, property, and, you know, precious metals like gold and silver. And then the defensive lower risk investments like cash, bonds, and fixed interest, you generally would see about 65 to 75. So it's very much a a change from where you would be when you're wanting to take on a bit more risk there. This sort of portfolio normally suits someone who has about three years that are wanting to access a super now or within the next sort of three years. The likelihood of a negative return is about one in seven years, so very much low risk. And the expected returns we'd be hoping for on a regular base, on a yearly basis, is around about sort of, you know, two to 5%. Do you feel like that is sort of comfortable for yourself? Do you feel like you wanna bring things down to that level? So what are we on now? Sorry. You're right. So at the moment, you're kind of in that fifty fifty sort of split with those growth and defensive investments. Would be be worthwhile staying with that? You can if you like. Did you want me to do that sort of fifty fifty split? I can look at the investments, look at how to make them, show you what that looks like, and then we can always review that and alter it again in a few months or a year's time if you decide you're not comfortable with that level.","start_word":4174,"end_word":4509,"sentiment":"neutral","sentiment_score":0.10877740265624154},{"text":"I'm not sure. I mean, it's hard. The older you It's get, the more you wanna not the more have you too wanna much keep. of a risk.","start_word":4510,"end_word":4537,"sentiment":"negative","sentiment_score":-0.4147298038005829},{"text":"Yeah. Yeah. It's kind of that juggling act. You don't wanna take on too much risk, but you still want your super to keep growing a little bit too. You wanna make it last Yeah. as long as it possibly can.","start_word":4538,"end_word":4578,"sentiment":"neutral","sentiment_score":-0.08810680359601974},{"text":"Absolutely.","start_word":4579,"end_word":4579,"sentiment":"positive","sentiment_score":0.3821846842765808},{"text":"Well, I'll tell you what I would probably look at doing because, realistically, you don't wanna access the money now unless you realistically have to. At the moment, given the current age pension, you would have to probably start drawing down some out of super, but we can draw maybe a smaller amount out of each of your super accounts. That way, you get a bit more longevity out of both of them. So I can, just if you want, look at doing a portfolio that gives you that fifty fifty split that gives you 50% growth investment, 50% defensive. So you are very much lowering the risk level and keeping, you know, some growth, some low risk investments there. Look at rejigging the portfolio to see what that looks like, how that affects you. I can show you the advice documents that shows you what we're recommending you invest in, the risk level, the cost of doing so, and the future projections on how this affects your super long term. And then look at how we would draw down how long your super is expected to last given age pension circumstances when you hit 67, Robin. Does that sound okay? Yeah. And just Yep. a question. Sure. Peep people our age with roughly what we got, what do they normally do? With portfolio wise? Yeah. Yeah. It's very much not so much a stock standard.","start_word":4580,"end_word":4815,"sentiment":"neutral","sentiment_score":0.1283322125673294},{"text":"It's very much a very an individual choice, But a lot of people going into sort of that retirement aspect, I do have some people who are comfortable in that balance sort of fifty fifty area. There's nothing wrong with that in any way, shape, or form. It generally still can suit, you know, someone who's got about three years to accessing a super. You can go into retirement in that sort of area.","start_word":4816,"end_word":4889,"sentiment":"positive","sentiment_score":0.41293543577194214},{"text":"There's nothing wrong with it. If we look at more of a balanced portfolio, which is more of a sixty thirty split, you'd be expecting or averaging returns of hopefully about five to 7% on a yearly basis.","start_word":4890,"end_word":4927,"sentiment":"neutral","sentiment_score":0.1955571174621582},{"text":"And you still have a negative return, the likelihood of a negative return, one in every seven years.","start_word":4928,"end_word":4945,"sentiment":"negative","sentiment_score":-0.4369334876537323},{"text":"So it is still lowering the risk level, still expecting good return, but just not taking a huge amount of risk at the same time. Does that make sense? Yeah. So Yeah. the fifty fifty is more of a risk than the seventy thirty. No. The fifty fifty is definitely less. The 70 Yep. 30 is taking more risk. That's 70% growth investment, 30% defensive. The other first one we went through, which is the defensive portfolio, which is sort of 30% growth, 70% defensive, that one is the lowest kind of risk that you do get. But you're also taking a less returns in that kind of area. Okay. So the fifty fifty is sorta average. Yeah. It's kind of in between the two lower profiles there.","start_word":4946,"end_word":5073,"sentiment":"neutral","sentiment_score":0.00907850544899702},{"text":"And I can look at building a portfolio for you that is going to give you that fifty fifty split.","start_word":5074,"end_word":5093,"sentiment":"positive","sentiment_score":0.3478626310825348},{"text":"We can incorporate maybe some commodities like gold and silver, which work both ways for you.","start_word":5094,"end_word":5109,"sentiment":"neutral","sentiment_score":0.32266703248023987},{"text":"So most people like gold. Gold's been up, you know, really well over the past couple of years. We can also yeah. I've been up very, very, very high. And it works it's a growth investment, so it does get really good growth, but it also can be defensive in nature. Because when you kinda think back to the GFC or COVID, people move money into gold as a bit of a safe haven.","start_word":5110,"end_word":5183,"sentiment":"positive","sentiment_score":0.45268163084983826},{"text":"So I can include some gold, maybe some silver, and look at adding some commodities in there for you as well to see if that kinda helps. Yeah. Yeah. And if we kind of look at this fifty fifty split to start with, if you decide in six months' time that it's not working, we can go back to the drawing board, and we can change the portfolio and reduce the risk even more. Does that sound comfortable for you both, or do you have further questions? Or No.","start_word":5184,"end_word":5272,"sentiment":"neutral","sentiment_score":0.07986395806074142},{"text":"That sounds good. Thanks. that sounds okay.","start_word":5273,"end_word":5279,"sentiment":"positive","sentiment_score":0.3967348635196686},{"text":"Yeah. It's a little bit difficult because not everyone knows what they're comfortable with, and sometimes it's a matter of just, you know, going, yep. Let's give this a try. If it doesn't if we're not comfortable with that, then we just alter and rejig it again for you. I mean, we don't really understand it. So Yeah. there is That and whatever. yeah. That's okay. Well, what I can do is I'll go back and I'll put together a portfolio for you with that kind of $50.50 split. I will show you the advice document. You'll see the investment, how much should be invested, and what this looks like in front of you in the advice document. So it'll be a little bit easier just to be able to look at that, you know, and go through the advice and read that. Does that sound okay? Yep.","start_word":5280,"end_word":5427,"sentiment":"neutral","sentiment_score":0.05522972717881203},{"text":"Thanks.","start_word":5428,"end_word":5428,"sentiment":"positive","sentiment_score":0.39039504528045654},{"text":"Yeah.","start_word":5429,"end_word":5429,"sentiment":"neutral","sentiment_score":0.2707858681678772},{"text":"That's okay. Beautiful.","start_word":5430,"end_word":5432,"sentiment":"positive","sentiment_score":0.4668615460395813},{"text":"So I'll go back and do a bit more research on your portfolios, have a look at where we are, and we'll look at doing something with that 50% growth, 50% defensive. Oh, your super funds aren't doing too bad, but I will just go back and review those for you. And then we're looking forward to there, Robin, when you turn 67 based on the current pension rates because I can't predict what they're gonna increase to then, and also look at how much super you may need to draw out. I can look at both of your supers and work out how we draw that money out and how long that might last and show you what that looks like. Are you both comfortable with that, or have I missed anything? Is there anything else you wanted me to sort of incorporate for you? No. That's all.","start_word":5433,"end_word":5581,"sentiment":"neutral","sentiment_score":0.166717273901973},{"text":"Thanks. That sounds okay? Beautiful. Lovely. Now, Robin, I can also see here you have made some extra contributions to Super, which is great.","start_word":5582,"end_word":5605,"sentiment":"positive","sentiment_score":0.5261003971099854},{"text":"Yeah. I know you Not spoke much. to my colleague. That's okay. A thousand dollars is still a thousand dollars. That's quite a lot of money when you think about it. It's like a week's worth of income. Yeah. It's a couple of weeks' worth. Yeah. Yeah. So with that at the moment, because it has been made put into the super fund as a nonconcessional contribution, that essentially means that, like, when your employer contributions go in their concessional, so taxes taken out of that contribution when it hits the fund. With the money you've been putting in, which I believe is about $20 per week. Is that right? Yeah. Yeah. So that money goes in there from your after tax income, which means a 100% of that money is invested into the market. You can choose to claim it as a tax deduction. So I know Samantha spoke to you about claiming a notice of intent. So if you wanted to, with that thousand dollars that you have put in there, and you've probably got another two contributions to go in, so it'll be a little bit more than that by the end of the financial year. But what we can do is after the July 1, is we can claim what's called a notice of intent to claim against that money. That essentially tells the Superfund that you're gonna claim that thousand dollars as a tax deduction, and they would take tax out of that money. And then once that tax is being taken out, that thousand dollars, you can tell your accountant you've contributed to super, and they can add that $1,000 to your tax return to give you a tax deduction. Does that make sense? Yeah.","start_word":5606,"end_word":5896,"sentiment":"neutral","sentiment_score":0.05903105437755585},{"text":"So it's worthwhile doing.","start_word":5897,"end_word":5900,"sentiment":"positive","sentiment_score":0.35941746830940247},{"text":"It gen when you're working, it generally can be. What's your do you know roughly what your income is for this year at the moment? Not really, but I bring home about 500 most sweets. Okay. Do you have do you know what your gross is before that 500? Well, if I work the sixteen hours a week, I bring home $5.39. So it would only be about $30 tax on that at the most, Okay. I reckon. So we'll just pop the $30 Five on there. $5.70 or something. Yeah.","start_word":5901,"end_word":5991,"sentiment":"neutral","sentiment_score":0.07920538372063375},{"text":"That's okay. That sounds about right.","start_word":5992,"end_word":5997,"sentiment":"positive","sentiment_score":0.3631709218025207},{"text":"So it says $5.70 gross, and that's on a weekly basis. Yeah. Yeah. If I So would just to work at yeah. That's that's okay. Let's have a look. all. Yeah. So $5.70 on a weekly basis. Roughly gives you, say, a gross income, give or take, essentially, of about 29,640. So then you're making a voluntary contribution of $20 per week, which works out to be over fifty two weeks, a thousand and $40. So then if you claimed that as a as a tax deduction, it essentially and this is not including any other options. This is just kinda general looking at the numbers at the moment. But, essentially, that 1,040, if you added that as a tax deduction and claim and notice of intent, can essentially reduce your taxable income down. Where is sorry.","start_word":5998,"end_word":6134,"sentiment":"neutral","sentiment_score":0.202177032828331},{"text":"My computer's frozen slightly because it takes into account tax changes.","start_word":6135,"end_word":6145,"sentiment":"negative","sentiment_score":-0.42857587337493896},{"text":"Six six seven. Yeah.","start_word":6146,"end_word":6149,"sentiment":"neutral","sentiment_score":0.08859530091285706},{"text":"So that would save you roughly about you get basically a whole offset.","start_word":6150,"end_word":6162,"sentiment":"positive","sentiment_score":0.4116483330726623},{"text":"So you could reduce your taxable income by about that 1,040.","start_word":6163,"end_word":6173,"sentiment":"neutral","sentiment_score":0.28264692425727844},{"text":"Okay. Yeah. That'll be worth all doing.","start_word":6174,"end_word":6180,"sentiment":"positive","sentiment_score":0.4750278890132904},{"text":"Yeah. Well, at the moment, if I'm looking at the tax bracket you're in, so you are in the lowest tax bracket. Yes.","start_word":6181,"end_word":6203,"sentiment":"neutral","sentiment_score":0.13652454316616058},{"text":"So you're in that sort of 16% tax bracket there. If I'm reapplying that, it keeps you in the same tax bracket. It just gives you a little bit more of a tax deduction, which might give you a little bit more of a refund. This, you know, help get a little bit more tax back at the end of the year, which is ultimately what you kind of want, a bit more tax back.","start_word":6204,"end_word":6278,"sentiment":"positive","sentiment_score":0.4333572387695313},{"text":"Yes. The money when you claim that notice of intent inside super, it means the super fund does take 15% tax out of those that money. But with $1,040, it would be about a $156 in tax.","start_word":6279,"end_word":6315,"sentiment":"neutral","sentiment_score":0.07734570833476814},{"text":"So you would still have quite a lot of that money invested. You'd still have $884 roughly invested in the super fund working harder for you, and then you can claim that 1,040 as a tax deduction and hopefully get a bit more of a tax return.","start_word":6316,"end_word":6362,"sentiment":"positive","sentiment_score":0.519347071647644},{"text":"Does that sound Yep. okay? That's the question. Does the government I know years ago when I was working for someone else, I put $20 in a week to my super, and the government had to match up to a certain amount. Do they still do that? Yeah. So that's essentially the government co contribution.","start_word":6363,"end_word":6417,"sentiment":"neutral","sentiment_score":0.04257390275597572},{"text":"And because your income is under the threshold there, if you do make the contribution, it absolutely can count.","start_word":6418,"end_word":6436,"sentiment":"positive","sentiment_score":0.35445278882980347},{"text":"I'm just not sure if it's if we change the contribution if it does. But making that contribution, the thousand dollars there, does make you eligible for the go the government sorry, government co contribution. And that's $500 that gets added to your suit. They don't match it anymore. They just do a maximum of $500. Yep. I just need to check if because I'm not sure if I change if we claim a notice of intent, if they still get the the tax deduction. So give me one second. I'm just gonna have a quick look on that one for you. Yep. Yeah. So if you do claim the notice of intent, it changes the contribution amount, and they don't pay the government co contributions. So, So I'd be yeah, better off it more in, like, does twenty minutes. well, if you don't claim that notice of intent, obviously, with the government co contribution, that's an extra $500 that goes into your super, but it also does mean that there's no tax taken out of that money.","start_word":6437,"end_word":6614,"sentiment":"neutral","sentiment_score":0.08096281439065933},{"text":"So out of the 1,040, that whole 1,040 remains invested for you. So it's completely Okay.","start_word":6615,"end_word":6630,"sentiment":"positive","sentiment_score":0.4556170403957367},{"text":"up to you. But, realistically, I mean, the tax while it reduces your taxable income, you're in the lowest tax bracket, so it's not a huge amount. You don't get the whole 1,000. But I say, you know, it kind of goes on the amount of tax paid. But, theoretically, keeping that money non concessional in super and having it all invested and then getting that government co contribution payment up to $500, that essentially does mean you'd have more money in your super working harder for you at the end of the day and does tend does sort of show from what I'm looking at to be of greater benefit to you rather than claiming that amount back. Does that make sense? Yeah. Well, I'll do that. I just won't claim it. Yeah.","start_word":6631,"end_word":6764,"sentiment":"neutral","sentiment_score":0.21176790190276815},{"text":"That's absolutely fine. And you're happy to continue making that $20 every week as well up until the point you stop working?","start_word":6765,"end_word":6786,"sentiment":"positive","sentiment_score":0.39352625608444214},{"text":"Yeah. I'll be making it for a while. A few years Yes.","start_word":6787,"end_word":6798,"sentiment":"neutral","sentiment_score":0.14487825334072113},{"text":"Beautiful. for Yeah. Perfect. We'll make sure we have that in the advice for you as well and factor in that government co contribution for you because long term, that me.","start_word":6799,"end_word":6829,"sentiment":"positive","sentiment_score":0.40733781456947327},{"text":"does mean it's a bit more money in your super working harder for you at the end of the day, which is important. Yeah. Yeah. No. That's absolutely fine. Did you have more questions or want me to break any of that down a bit more for you at all? No. I do have a question about the email I got from Kendall. Is Yeah. Absolutely. it? Those forms that he sent me to sign, that's got a $20,000 That's the 20 Yeah. thousand dollars I took out to go on holidays. Is part of that? Just having If I a can look read it for properly. you. That's okay. Is that the documents that you received today? Yeah. Oh, it might have had the wrong document attached there. I Let mean, me just double I can't check. get into my emails on my computer. But No. That's okay. It might have attached that document, and we didn't actually want it to be there. So what I'll do, I'll just have a look at what it what came through. Oh, It's not there now, but it was before there. is it maybe just bringing up the last document that you signed? Maybe. Because I can see for yours, Robin, is the ongoing fee can sent arrangement. That's the one that we sent through just then. And then So I just sign it and send it back. yeah. Yeah. Yeah. Because the first one is transaction without advice. Withdraw $20,000 from my And that was the one that was from a while ago. That was the one in February, wasn't it? Yep. Yeah. January 12, we started, but then we had trouble because it was Frank's signature coming up on it all the time. Yeah. Yes. Yep. So I had to sign a couple of times. So Right. Mhmm. No. That's okay. So I can see the fee consent form here is for yourself. We sent through two of them. There should be one for Frank as well, but I can only see one coming up. So what I'll do is I'll just go back, and I'll make sure I can see both of them coming through. Not sure why it's not both coming through. Yeah. Because I can I I sort of do miss DocuSign a little bit. This is fun, this system, but it's just not not the same. I do miss DocuSign a little bit. It was easier. Not gonna lie.","start_word":6830,"end_word":7242,"sentiment":"neutral","sentiment_score":0.006715741391591367},{"text":"Oh, good.","start_word":7243,"end_word":7244,"sentiment":"positive","sentiment_score":0.40224575996398926},{"text":"What I might do is I'll just go back and make sure that both of those fee consent forms have come through. I might have to resend them for you, but I'll just make sure the system is sending those correctly because it should be 1<unk> to each of you. So if you don't see them by the end of the day, can you just let me know? Is that okay? Yeah. And this Yeah. one has got the partial account balance for 20 Yep. thousand dollars on it. Yep.","start_word":7245,"end_word":7335,"sentiment":"neutral","sentiment_score":0.1330581158399582},{"text":"I just didn't wanna sign it again. No. No.","start_word":7336,"end_word":7344,"sentiment":"negative","sentiment_score":-0.5449482202529907},{"text":"That's fine. It should be if it's one of the attachments, it might have just attached that document because it was one that was in the file when they were attached, and someone might have dragged it across, and that's absolutely okay. The only document that it should ask you to sign is the ongoing service agreement. There should be one with each of your names there because we have you both as clients. Our normal fee is 1.65% per annum, but we've actually reduced yours both, and it'll continue that way to 1.1%. So you're paying a lower fee because you're both on board there. And it should just it does say having a look here, it's 1.1% per annum, and then we deduct our ongoing service fee in smaller monthly increments out of your super for our services, and it fluctuates and goes up and down with the market. So if the the so market was to take a little bit of a further dip, our fee does continue to go down with it, and then it does go up a little bit as the market increases as well. So our fee goes up and down with your super. Does that make sense? Yeah. Okay. Yeah.","start_word":7345,"end_word":7551,"sentiment":"neutral","sentiment_score":0.1051177824464973},{"text":"I've Beautiful.","start_word":7552,"end_word":7553,"sentiment":"positive","sentiment_score":0.3509669303894043},{"text":"just found the sign request from me for the annual review to my Gmail account from you. Yep. But, Yeah. yeah, I wasn't sure about this one from from Kendall this morning. Oh, very that's a bit bizarre. Yeah. I'll find out if anything else has come through, but, yeah, it's just the ongoing service agreement there. I can see one's come through, but I can't see where Frank's has come through. So I will go back and double I will go through I can double check for you, Frank, if that does come through. If it doesn't, I'll make sure I resend it for you. Okay. Yeah. Marty Marty, a different email to Rob's. That's all. Yeah. No. That's okay. That's not a problem. Normally, when I open it, I can see both of them here, but it's only showing me one. I'm not really sure why. So that's honestly okay. I'll go back and have a bit of a look at that for you. Not an issue at all. If there is anything else, I'll make sure we sort of give you a call and let you know. Just to sort of reiterate, so super wise, you know, not accessing anything unless you need to until, Robin, you turn age 67. I'll Yep. look at the Centrelink side of things for you and look at the portfolios and see what we can come up with keeping that kind of 50% split either to the, you know, to the risk factor for you. So 50% growth investment, 50% defensive investment. Is there anything else goals wise that either of you might think you've got or want me to sort of look at for you in the next couple of years, or is that kind of the thing where your sleep is going? I think that's about it.","start_word":7554,"end_word":7861,"sentiment":"neutral","sentiment_score":0.06234549760044395},{"text":"Thanks.","start_word":7862,"end_word":7862,"sentiment":"positive","sentiment_score":0.4633055329322815},{"text":"That's about all. I That's okay. Just to sort of you're right. Sorry. I did just sign that one that you sent me to my Gmail account, so I hope Oh, that went thank through you.","start_word":7863,"end_word":7898,"sentiment":"neutral","sentiment_score":0.1628715842962265},{"text":"Thank you so much, Robin. I'll go back and check that for you.","start_word":7899,"end_word":7911,"sentiment":"positive","sentiment_score":0.5393993258476257},{"text":"alright. Sorry about that. You're I alright.","start_word":7912,"end_word":7918,"sentiment":"neutral","sentiment_score":0.11853927373886108},{"text":"love these new computer systems.","start_word":7919,"end_word":7923,"sentiment":"positive","sentiment_score":0.5712203979492188},{"text":"Okay. I'll just double check all of your assets there as well. So at the moment, we did have your main primary residence last year. Asset value we had noted was about 500,000. Do Yeah. you think that might have increased a bit from where we were last year? Do you think it might be valued more to yourself at the moment, or what's your thoughts on that value? Well, the prices of houses in town are going up. Some are selling to $404.50. I mean, in Crazy, West, it's ain't not it? five acres, Yeah. but we're couple of from, you know, a bit out of town, not far. But Yeah. Yeah. Okay. About four k. So, yeah, I'm not sure what the value would be worth. Yep. Yep. No. That's okay. Not a problem. So I'm having I'm just having a quick look online to see what the estimated value of the property is at the moment to sort of see what is out there and what they're saying. So The same, realistically, estimated property value, mid range about 400,000, high range about $4.55. Did Yep. you feel like that's very average, or did you wanna keep it to where it was? Or Well, that's probably average for a house yep. block. So we'll just keep ours at the $5.01. Yeah. Yep. Because we're 2.2 hectares. K. Yep.","start_word":7924,"end_word":8153,"sentiment":"neutral","sentiment_score":-0.0020570693537592887},{"text":"That's absolutely fine. Not a problem at all.","start_word":8154,"end_word":8161,"sentiment":"positive","sentiment_score":0.47118130326271057},{"text":"And it's freehold too. So $5.70.","start_word":8162,"end_word":8167,"sentiment":"neutral","sentiment_score":0.24224285781383512},{"text":"Beautiful.","start_word":8168,"end_word":8168,"sentiment":"positive","sentiment_score":0.6357696056365967},{"text":"And, Robin, your income, I'm just sort of estimating your take down gross income per week is about 570. You're fairly comfortable with that? Yeah. I mean, that's the highest I get. But Yep. if I Yep. don't work the whole sixteen hours a week, it's less. So Okay. it all depends Do how you much work they've got for me to do. yeah, no worries. Alright.","start_word":8169,"end_word":8235,"sentiment":"neutral","sentiment_score":0.05606785789132118},{"text":"Lovely.","start_word":8236,"end_word":8236,"sentiment":"positive","sentiment_score":0.4607144296169281},{"text":"And, Frank, how much are you averaging from Centrelink on a fortnightly basis at the moment for the age pension? Just over 700. 7 Per 60. fortnight? I think Yep. $7.50. Yeah. Just over 700 a fortnight. Sorry. Did you say $7.50 or $7.60 just before as well? Sorry. Yeah. Something like that. Yep. No. It's not that high. Is it? Oh, it's not. What is it? It's if I do my school if I do my thirty two hours of if I do thirty two hours of fortnight, he gets about 690 Okay. a fortnight. 690. How Perfect. much is Robin, do you know what your hourly rate is it? at all? I think it's $31.31 Yep. 70, something like 30 that. $1.70 per hour.","start_word":8237,"end_word":8362,"sentiment":"neutral","sentiment_score":-0.003153710626065731},{"text":"Beautiful.","start_word":8363,"end_word":8363,"sentiment":"positive","sentiment_score":0.47998976707458496},{"text":"Because I can sort of average that out and work it out on the thirty two hours and average that over the course of the year for you to kinda give me an estimate on the income if you like.","start_word":8364,"end_word":8403,"sentiment":"neutral","sentiment_score":0.0991525948047638},{"text":"That's Yep. absolutely fine. Beautiful.","start_word":8404,"end_word":8408,"sentiment":"positive","sentiment_score":0.55408775806427},{"text":"And you sort of need income of about $3,000 per fortnight or $1,000 per week to survive moving forward. Is that fairly right? Did you want me to maybe factor in a bit of a buffer there, or are you happy with that for the moment? Two oh, it sounds a lot of money. Doesn't it? But it doesn't go very far. It really doesn't. Okay. No. When you think about groceries, I know I've I've got two kids moved out of home now and only one child at home. I'm still spending about $2.50 to $300 a week on groceries. It's everything costs so much. I reckon. No. And things are more expensive out here, I imagine. Oh, absolutely. I can I can keep it at 2,000 per week at the moment? And if you find that you wanna increase that, that's absolutely fine. This Yep. kinda gives us a bit of a working point for you moving forward. I mean, we're looking at the advice now, but also, you know, in the next fifteen months, knowing that in that time, things can change and we may need to update it again. But this is giving you a bit of an idea of where we're tracking and what it sort of looks like down the track for you. Okay? Yeah. Okay. Yep. Excellent. Other assets I have here, I've got your Nissan Qashqai. Rough value, if you had to sell that, got down here about 20,000. If you did have to sell that, what do you think what value wise would it be to you? To me. Oh, I got no idea what they were. Yeah. That's okay. They're a good dollar. We had 20,000 last year. Did you wanna keep it at 20? Yeah. Yeah. I mean, it'd probably be a $15.24. 15 maybe? Yeah. Absolutely. And then we've got the Nissan Navara, which is a 2012 model. And last year, we said roughly about 15,000 value. Would you keep that about the same, do you think? No. Not now. No? Drop it a little I'm bit. just 12. looking at some others. I've seen some others on Facebook and that, but it's for sale. They're at the same age as mine, and they're about 3 or $4. Yeah.","start_word":8409,"end_word":8789,"sentiment":"neutral","sentiment_score":0.02720848810455696},{"text":"Wow. I'll be lucky to get 5 for it. I think. I'll pop a bit pop 5 on there for you. All good.","start_word":8790,"end_word":8812,"sentiment":"positive","sentiment_score":0.5309110879898071},{"text":"And do you happen to know if you're able to, are you able to access, like, an income or an asset statement from Centrelink that sort of shows what they have your assets noted as? Do you know how to get that from your myGov account, or do you have one handy at all? No. Sorry. I've got no idea. No. That's okay. Do you know roughly what they have as your assets noted on Centrelink? Do you have do you know what they have or, like, your cars and savings accounts, what they have noted? No. Would it be on Centrelink my Centrelink? It would yeah. It'd be on it's probably more on Frank's myGov because he's the one that's actually applied for it. Do you know how to log in to your myGov? You log in pretty you should would, wouldn't you? Because you report Yeah. I do. Frank's my guy. Yep. yeah. If I send an email afterwards just with a little bit of a direction on how to get that statement, would you be able to grab one of those statements and forward it through to me just so I can use that for the research for you for the plan? Yep. Yeah. If it's too much, let me know. Is it Yep. easier if I send you an email, or is it easier if I try to direct you through now? What would be better for both of you guys? Probably an email. Thanks. Because I'm Yes. on Frank's phone. Because Yeah. I'm on Frank's No. phone, and I would have No. to get on to me to get one Frank's phone. No. No.","start_word":8813,"end_word":9091,"sentiment":"neutral","sentiment_score":0.007368769496679306},{"text":"That's absolutely fine.","start_word":9092,"end_word":9094,"sentiment":"positive","sentiment_score":0.694869875907898},{"text":"I'll send you an email with a breakdown of what to do. If you find it difficult or struggle, let me know. We can always look at doing another option. I just wanted to make sure that when we are factoring in Centrelink that we understand what they have for assets and income and liabilities. That way, I can work on the same figures for you. Okay? Yeah. Okay. Yep.","start_word":9095,"end_word":9164,"sentiment":"neutral","sentiment_score":0.07630056887865067},{"text":"Perfect. Beautiful.","start_word":9165,"end_word":9166,"sentiment":"positive","sentiment_score":0.6959288120269775},{"text":"I have done here contents, roughly about 25,000 value of contents. Would you increase that? Got any big collections recently that you wanna maybe note down? Or No. I just No. Okay. The same.","start_word":9167,"end_word":9200,"sentiment":"neutral","sentiment_score":0.1088634431362152},{"text":"Thanks.","start_word":9201,"end_word":9201,"sentiment":"positive","sentiment_score":0.3778659701347351},{"text":"Yep.","start_word":9202,"end_word":9202,"sentiment":"neutral","sentiment_score":0.20293563604354856},{"text":"That's okay. All good.","start_word":9203,"end_word":9206,"sentiment":"positive","sentiment_score":0.43879860639572144},{"text":"Other than that, you mentioned that you're putting about $800 away on a fortnightly basis to cover those bills and things. Are you managing to put anything into a bit of a savings account, or is everything that you're earning going out towards bills and expenses and and rates and things like that insurances? Yeah. Well, there's not much left. I have opened a funeral account. Okay. Well, I did that a while ago, and I try and put $20 a fortnight or $20 a month in it, but it's in an account that gets if I don't touch it. And if I put in, it gets the higher interest. Yep. It gets, Okay. like, a second lot of interest. But I Okay. don't claim that on Centrelink because it's a funeral account. So Yeah. With the funeral, realistically, with Centrelink, that because that's just the bank account that you've opened that you've called funeral account. Is that right? Yeah. So, realistically, if they find that they will consider that an I'm sorry, an asset and assess under both the assets and the incomes test. Are you putting that money away purely for, say, both of your funerals or one of you, or what's the plan with that? Is it for anyone's funeral or more just focused around the two of you? Just off. Yeah. Because there are investment options or bonds that I have access to, which are funeral bonds. And the idea is you could start with a certain amount of money if you had I think, you know, we just start with about a thousand dollars. And you can be putting some regular amounts in on a regular basis. And these are the funeral bonds. If one of we could set two up if you wanted to. It's completely up to you. You can have a think about it. But, essentially, you set up this funeral bond. The money is invested, so it is growing, not just getting a cash rate. But they are fully non assessable by Centrelink. So even if they find out about these accounts, they won't add them to your income and assets test. They are sheltered for Centrelink purposes, and we would have to set up two of them. But, essentially, if you were to then pass away, the money is withdrawn out to to the executor within twenty four hours of having the the death certificate provided. Did you Florida. wanna look at something like that, or are you happy with the way it is at the moment and just wanna think about it? What do you think? Yeah. I can think about it. It's probably you reckon that's a better way to go. Well, they are sheltered for centrelink purposes. At the moment, the sheltering amount is about $1,516,000 for centrelink purposes. But realistically, you can open up these accounts with as little as normally about $1,000. You can be putting regular amounts in, say, 20 or $30 a month or, you know, a lump sum once a year into the bond. It just keeps being invested and grows. It is invested in an investment option like we might pick, as an example, like a a Vanguard fund, which might give you diversification, and it could get, like, you know, a two, three, or a 5% return on a yearly basis and be growing over time. But they are fully sheltered, the Centrelink. Centrelink don't don't look at the bonds. The amount that you put in, as long as it's under the the asset requirements, so under the 15 or $16,000, they don't count that, and gross from those funds is not assessed by Centrelink.","start_word":9207,"end_word":9821,"sentiment":"neutral","sentiment_score":0.0321264027973743},{"text":"So it's really really a good way to shelter money. It can Yes. grow towards, you know, the goal of being able to pull that up for a funeral down the track.","start_word":9822,"end_word":9853,"sentiment":"positive","sentiment_score":0.6597558259963989},{"text":"The downside of these is that you can't access the funds to anything else. It has to only be pulled out for the purpose of a funeral. If you pull out, you have $20. And if you pull all of that out and you only use $5 on a funeral, then that's But they don't let you access those bonds in advance to anything else, whereas the advantage to having that in the bank account like you have at the moment is that if something happens, you can use the funds elsewhere if you want to.","start_word":9854,"end_word":9949,"sentiment":"neutral","sentiment_score":0.07273078709840775},{"text":"But we do have access to these other types of investments that we can certainly help you with. You don't have to do it now. You can just, you know, talk about it, mull on it, think about it if you like. It's absolutely fine. It's just another sort of option to look at as well.","start_word":9950,"end_word":10005,"sentiment":"positive","sentiment_score":0.4787086546421051},{"text":"Yeah. We'll just talk about it, I think.","start_word":10006,"end_word":10013,"sentiment":"neutral","sentiment_score":0.25617334246635437},{"text":"Thanks. Absolutely. Just think it's, I mean, we only we don't wanna touch it, but I think it's a bit of if it's there, it's a bit of peace of mind if you need it, isn't it?","start_word":10014,"end_word":10050,"sentiment":"positive","sentiment_score":0.47826194763183594},{"text":"Absolutely. And that is the downside to a funeral bond is that you can't take it out if you do need the money. So say something happened and, know, you had to rush Frank to the doctors and needed the money quickly for a specialist appointment or something. You know, you do have that money there as a bit of a backup as a buffer for you. Whereas Yes. a funeral bond, you can't pull that out. It has to stay there no matter what. You don't have to keep putting money in a regular basis to the bond. It's definitely more sort of up to yourself, but there are the advantages and disadvantages. It's always a good a good side to the option, but also a bad side as well. So it's about weighing up what's right for you at the time. Yeah. Okay. Yeah. That's okay. I also just wanted to update. Now with the funeral accounts, how much do you have in there at the moment? Nearly 11. Okay.","start_word":10051,"end_word":10222,"sentiment":"neutral","sentiment_score":-0.030477783967589225},{"text":"Fantastic. Beautiful.","start_word":10223,"end_word":10224,"sentiment":"positive","sentiment_score":0.6707738637924194},{"text":"And you said you put about $20 per week in there. Is that per month in there? Sorry? Yeah. Some sometimes it's only $20 a month, but then last month, I got 40 something dollars interest on it.","start_word":10225,"end_word":10262,"sentiment":"neutral","sentiment_score":0.06295860558748245},{"text":"So Oh, fantastic. Excellent. Lovely.","start_word":10263,"end_word":10267,"sentiment":"positive","sentiment_score":0.6215463280677795},{"text":"Well, feel free to have a chat. If you decide you wanted to go down that route, you can let me know. In the meantime, I would just leave that there as that, and not sort of account for it. Okay? Yep. Okay.","start_word":10268,"end_word":10310,"sentiment":"neutral","sentiment_score":0.12317494302988052},{"text":"Thanks. Excellent.","start_word":10311,"end_word":10312,"sentiment":"positive","sentiment_score":0.4031587243080139},{"text":"Now other bank accounts and things, do you have any other term deposits or large savings accounts that Centrelink would wanna know about? They're all under this, the limit. I mean, I think we've got 3,000 in the savings Yep. and 1,000 something in a bill paying account. So, Yep. yeah, not a great deal. No. That's okay. That's not a problem at all. 1,000 there.","start_word":10313,"end_word":10378,"sentiment":"neutral","sentiment_score":0.04186343029141426},{"text":"Beautiful. Well, thank you for updating those details there for me.","start_word":10379,"end_word":10389,"sentiment":"positive","sentiment_score":0.4658094644546509},{"text":"Now I also had it noted. We do check this every year with you, but the last time you guys updated your will was 2010. Is your will still valid? Is it still suited to your circumstances, do you think? Yeah. Just Yes. close to one if it if one passes away and then both kids get it, and they're both executor and power of attorney. So Yep. No. That's not a problem at all. And when you do turn 67 and fully retire, if you do need to sort of take a little bit of money out of super at the same time to replenish your income, just confirming, you would wanna keep your beneficiaries nominated to each other. So Frank to Robin, Robin to Frank. Yeah. Thanks. Yep.","start_word":10390,"end_word":10519,"sentiment":"neutral","sentiment_score":0.11089179664850236},{"text":"Beautiful.","start_word":10520,"end_word":10520,"sentiment":"positive","sentiment_score":0.37920504808425903},{"text":"Yeah. We're not planning to split up. No.","start_word":10521,"end_word":10528,"sentiment":"neutral","sentiment_score":-0.034459907561540604},{"text":"Beautiful. Beautiful. Lovely.","start_word":10529,"end_word":10531,"sentiment":"positive","sentiment_score":0.4219014644622803},{"text":"So what I can also look at, if you're comfortable with me doing so, is when you do get to 67 there, Robin, and you do maybe on the age pension with the both of you getting full age pension, hopefully, and maybe drawing a little bit out of your sofa, did you want me to look at whether we move fully into pension phase or whether we stay in the super that we're in. Do you understand the difference between the two accounts and phases? The pension one, you gotta draw so much out every so often, don't you? That's right. So when you're in that pension phase, they have a minimum balance that you have to be able to draw out, which at age 67 is about 5% of your total balance. But looking at the way your super is with your total balance there, you might be drawing a bit more out. So if at the moment with the age pension, it's the two of you, it doesn't quite make that $2,000 per fortnight doll. So I would probably have to be drawing a little bit out of your supers to kind of replenish to make sure you're able to get that $2,000 per fortnight for your living expenses. Yes. If I do the research and it comes back and tells me that, you know, what you'd be drawing out meets that minimum requirement, there are benefits to being in pension phase. I mean, you do have to take the money out, but there's also no tax consequences. So at the moment, you're in the accumulation phase. That's where you're building your super up. All your employer contributions are going in. Any of the capital gains that your super makes, it actually currently pays tax on. And same with the income. So any income that's made inside that fund, your super currently pays tax on. When you turn fully retire, so age 67, when you wanna retire, if we wanna move you fully into pension phase, there's no tax consequences in there.","start_word":10532,"end_word":10876,"sentiment":"neutral","sentiment_score":0.1305226981639862},{"text":"So your super fund can be making money, both capital gains and income, and there's no it doesn't pay any tax in that phase.","start_word":10877,"end_word":10900,"sentiment":"positive","sentiment_score":0.5469453930854797},{"text":"The only sort of downside is that you do have to take a minimum pension payment.","start_word":10901,"end_word":10916,"sentiment":"negative","sentiment_score":-0.4771851897239685},{"text":"Would you like me to assess whether staying in accumulation or moving into pension works better for you at that time? Yeah.","start_word":10917,"end_word":10938,"sentiment":"neutral","sentiment_score":0.13354098796844482},{"text":"Thanks.","start_word":10939,"end_word":10939,"sentiment":"positive","sentiment_score":0.47662773728370667},{"text":"So does that Yep. mean Frank should probably be in the pension phase now? Well, he can be, but he does have to take that minimum pension payment out. So at the moment with Frank's balance, because you don't really want to take any money out and don't really need to right now because you're still working, he is fine to stay in in the accumulation phase. It does mean Yes. that his fund is taking is paying a little bit of tax on the growth and the income that it is making. But because you don't really need income out of it, there's nothing wrong with that. It's not paying a huge amount of tax. The downside to it is that it is assessed by Centrelink. So at the moment, yours is sheltered by Centrelink because, Robin, you're under 67. But when you turn 67, both of your super balances will be assessed by Centrelink. Yep. And given this the current Centrelink arrangements with the payments they make, you might need to take some income out. So being in pension phase could actually work out better for you. But did you want me to look at whether Frank should be in pension phase now or super, or are you happy just to sort of keep it where He it is now, Frank? What's your thought? doesn't know. He doesn't do any He of doesn't this stuff. know? That's I okay. suppose it's better off him staying where he is because don't wanna get it too much lower than that before Yeah. That we is have to start pulling anything yeah. out. That that's the other side of it. Yeah. I mean, the gross in the income this for the last twelve months up until now was essentially a positive of 2%. So your fund hasn't made a huge amount. It's only paid a small amount of tax, whereas you would have to draw 5% out. So if I look at your balance at the moment there, Frank, just to give you an idea, I'll just pop back into that file. Sorry. I'm just pulling the document back up. Okay. So with your balance at the moment, Okay. So with the balance at the moment, if your funds, say, as an example, made $2,000 there at 15%, the tax on that would essentially be $300. So if your fund made $2,000 for the year, it would pay a $300 tax on that. If, example, say, you needed to take out income from your super and you move the pension phase for the year at your current age there, it's about a 5%. So 5% times your current balance of $89.03 $7.00 and 82<unk>. It essentially means you'd have to draw out that $4,468 for the year. That's a 5% of your current balance. $168 for the year. That's at 5% of your current balance. So, frankly, beating that accumulation phase now, whilst your fund is still paying tax, the tax it's probably paying on the income it's made this year is lower than the amount you would have to draw out. Does that make sense? Yeah. Yes.","start_word":10940,"end_word":11468,"sentiment":"neutral","sentiment_score":0.020062261921246244},{"text":"It sure does.","start_word":11468,"end_word":11471,"sentiment":"positive","sentiment_score":0.3738247454166413},{"text":"Yeah. So, realistically, staying in accumulation right now means that you don't have to draw that money out.","start_word":11471,"end_word":11489,"sentiment":"neutral","sentiment_score":0.32791411876678467},{"text":"It is still currently paying tax, but you still have an opportunity to grow your balance even more without the requirement of drawing down.","start_word":11489,"end_word":11513,"sentiment":"positive","sentiment_score":0.35127633810043335},{"text":"So are you happy just to stay in that sort of accumulation or super stage now? Yes. Just stay on that. Alright. Yep. You And do we the best. can look at maybe moving into pension when Robin turns 67. Does that sound right to you? Yeah. That sounds good to Yeah. me. Yep.","start_word":11513,"end_word":11567,"sentiment":"neutral","sentiment_score":0.20531219244003296},{"text":"Fantastic.","start_word":11567,"end_word":11568,"sentiment":"positive","sentiment_score":0.5768037438392639},{"text":"Now I've covered a lot, and I'm so sorry. But do either of you have any questions, did you want me to break anything down more for you? Or No. Thanks. no.","start_word":11568,"end_word":11600,"sentiment":"neutral","sentiment_score":0.07228881120681763},{"text":"That's oh, that's good. That's good.","start_word":11600,"end_word":11606,"sentiment":"positive","sentiment_score":0.42079946398735046},{"text":"It came a bit a bit confusing, but please let me know if there's anything you wanted me to sort of touch on. What I can do now is I can go back and just look at the research. We can update the advice. We'll look at the two stages, what we do now with the super, with the investments, and how that looks when you turn 57, Robin, and when you are both fully retired and needing to draw down on what we can do income wise. That'll give us a guide tracking and what we're planning over the next few years. And then moving forward, we can just keep reviewing that and make changes as we need to. Does that sound okay? Do both of you have any additional questions?","start_word":11606,"end_word":11736,"sentiment":"neutral","sentiment_score":0.028618047909654738},{"text":"That sounds good. Thanks. Sounds That sounds really good. great. Fantastic. Lovely.","start_word":11737,"end_word":11748,"sentiment":"positive","sentiment_score":0.595072329044342},{"text":"Well, I feel like I've taken up enough of your precious time, so I will let you both go. I'll get my team just to double check that both those odor signs have gone through with the ongoing service agreement. If there's any issue, we'll make sure we resend it through, and I'll get my team to give you a buzz. I'll send out an email there just directing and showing you how to get into the myGov to pull down the the asset information for Centrelink just for the research. And if you get stuck or have any problems, let me know. Okay? Yeah. Will do.","start_word":11749,"end_word":11855,"sentiment":"neutral","sentiment_score":0.16507239639759064},{"text":"Fantastic. I'll let you both go, Frank. I hope recovery's well.","start_word":11856,"end_word":11866,"sentiment":"positive","sentiment_score":0.395896852016449},{"text":"Rest up. Yeah. That's what I've been doing.","start_word":11867,"end_word":11874,"sentiment":"neutral","sentiment_score":0.17119328677654266},{"text":"Fantastic.","start_word":11875,"end_word":11875,"sentiment":"positive","sentiment_score":0.3702396750450134},{"text":"Robin, I I hope you get some downtime know. I I got another couple of weeks here, don't I? too. Oh, absolutely. No. All good. And I will attach the email there our financial services guide. It is really important we provide that to you. It's a a licensee document. It's a a document that explains everything about who we are. It has all my licensing information in there as a registered adviser for you, and it's also got a lovely picture of me in there as well. You're welcome to run your eyes over that. If you do have any additional questions, let me know. I know we've spoken a few times in the past, but Yeah. it's always good to update everything. And, you know, you meet a lot of people on a regular basis, so you might forget what I look like. You talk to me on the phone all the time, but Thanks for your help today.","start_word":11876,"end_word":12036,"sentiment":"neutral","sentiment_score":0.14626445477793676},{"text":"Yeah.","start_word":12037,"end_word":12037,"sentiment":"positive","sentiment_score":0.38269490003585815},{"text":"Okay.","start_word":12038,"end_word":12038,"sentiment":"neutral","sentiment_score":0.28610897064208984},{"text":"not a problem at all, guys. Thank you so much for your time. You both have an amazing afternoon. I'll talk to you very soon.","start_word":12039,"end_word":12063,"sentiment":"positive","sentiment_score":0.6993675231933594},{"text":"Okay. Okay.","start_word":12064,"end_word":12065,"sentiment":"neutral","sentiment_score":0.31985703110694885},{"text":"Thanks. Thanks. See you later.","start_word":12066,"end_word":12070,"sentiment":"positive","sentiment_score":0.6409410834312439},{"text":"Bye.","start_word":12071,"end_word":12071,"sentiment":"neutral","sentiment_score":0.32542169094085693}],"average":{"sentiment":"neutral","sentiment_score":0.08324852111981895}}}}