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That, honestly, is no stress. Yeah. Now yeah. Of course. Money. There not directly. You can access Super for something that's called financial hardship. Now that would be alright. So that is the the caveat. So it's on Centrelink for twenty six weeks. Are you on Centrelink at the moment, or is it just kind of the in between jobs? Yeah. Yeah. It's hard. Do you do you have, like, a bit of a, like, a budget? Do you have, like, a cash flow? But have you done anything to try to help like, is there anything we can help in that way? Like, have you done any cash flow and budget? Yeah. Yeah. Yeah. Okay. Yeah. Yeah. And, like, your day to day expenses, obviously, if you do if you're kind of in between jobs, when do you Yeah. No. Yes. Of course, we can. Of course. No. Honestly and honestly, if if now is obviously a lot, we can push it out. Like, we can we can touch base in a couple of weeks. Like, it doesn't have to be right now, especially if you are in between jobs as well. It's probably, like, the the last thing. Yeah. Yeah. Yeah. Okay. Now would you like me to book in an appointment in a couple of weeks, or would you prefer to let me know when things are a bit better and you wanna talk about it? Yeah. I think that's a good idea. And that way, it's not gonna be the stress. Yeah. Now what I can do, I don't know if it's gonna be helpful, is I can email you a cash flow and budget. Sometimes people find it helpful through obviously, no obligation. It's completely up to you if you wanna do it in your own time, but I'm finding a lot of people are finding it helpful, obviously, meeting and to meet with ex bills and expenses and everything like that. It is a good way to track where your expenses are going. Obviously, if you're not working and not having income, that's obviously hard. But it's usually a good way to try and be like, is there any areas at all where I can forego, like, a subscription, or can I reduce this to try and make things work in the meantime? Would you like me to email that to you? Yeah. I'll email it to you. And, obviously, if you have a moment, have a look at it. If you need any help completing it or any further assistance, just give me a call or send me an email. Otherwise, I would leave it with you. But if it is a situation where you do end up on Centrelink or there is something else you need, just let me know. Okay? I'm always here. You can just give me a call. Okay? Okay. No worries. Well, let me know how you're going. Okay. Alright. 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This is Veronica from OCU Financial. How are you? Good. How are you?\n\nYeah. No worries. That's okay. We can always reschedule. That is no stress at all.\n\nIt now it's not suitable. That, honestly, is no stress. Yeah. Now yeah. Of course.\n\nMoney. There not directly. You can access Super for something that's called financial hardship. Now that would be alright. So that is the the caveat.\n\nSo it's on Centrelink for twenty six weeks. Are you on Centrelink at the moment, or is it just kind of the in between jobs? Yeah. Yeah. It's hard.\n\nDo you do you have, like, a bit of a, like, a budget? Do you have, like, a cash flow? But have you done anything to try to help like, is there anything we can help in that way? Like, have you done any cash flow and budget? Yeah.\n\nYeah. Yeah. Okay. Yeah. Yeah.\n\nAnd, like, your day to day expenses, obviously, if you do if you're kind of in between jobs, when do you Yeah. No. Yes. Of course, we can. Of course.\n\nNo. Honestly and honestly, if if now is obviously a lot, we can push it out. Like, we can we can touch base in a couple of weeks. Like, it doesn't have to be right now, especially if you are in between jobs as well. It's probably, like, the the last thing.\n\nYeah. Yeah. Yeah. Okay. Now would you like me to book in an appointment in a couple of weeks, or would you prefer to let me know when things are a bit better and you wanna talk about it?\n\nYeah. I think that's a good idea. And that way, it's not gonna be the stress. Yeah. Now what I can do, I don't know if it's gonna be helpful, is I can email you a cash flow and budget.\n\nSometimes people find it helpful through obviously, no obligation. It's completely up to you if you wanna do it in your own time, but I'm finding a lot of people are finding it helpful, obviously, meeting and to meet with ex bills and expenses and everything like that. It is a good way to track where your expenses are going. 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Oh, hi, Veronica. How are you? Yeah. Yeah. I'm I'm I'm okay. I just totally forgot about this. Fuck. Yeah. Yeah. Yeah. Yeah. The quick question I'd like to ask is I'm really struggling with my cash flow at the moment. I'm in between jobs. I'm waiting on another job to start. I don't know if there's any way with my the way my super setup, I can I can access some, you know, funds for, like, bonds and stuff and no? Yeah. Yeah. I would have to be out of work for a certain a long time, wouldn't it? So how long would that be? Yeah. No. Yeah. Just just in between. Yeah. I'm doing off for last month. So yeah. Oh, okay. Yeah. Well, I I've got savings, but it's I've got savings, but it's locked away. And I can't I can't access it because I send money to my sister to see it for me, and I've sent money to her. And there's no she locked herself out of her account, so she means she has to go into a and g when she comes back out. So that's a bit of a bummer for me. So that's where I'm kind of a bit screwed. But yeah. Yeah. Well, I have to get pay rent, and I'll to, you know, keep on top of all these other things as well. You know? So it's just just hard when yeah. But can we reschedule for another day? Sorry about this. Yeah. Well, I I think I need this. I think I need to I think I need to sort it out soon soon. Yeah. I can call back when things are a bit better, I think. Yeah. Yeah. I just I just just trying to think straight at the moment and yeah. Yeah. Yeah. Yeah. Yeah. Yeah. You could be turned on there if you want. Yeah. Yeah. Yeah. And yeah. Yeah. Will do. Yeah. Okay. Thank you. Bye. Yeah. Thanks. 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Oh, hi, Veronica. How are you? Yeah. Yeah.\n\nI'm I'm I'm okay. I just totally forgot about this. Fuck. Yeah. Yeah.\n\nYeah. Yeah. The quick question I'd like to ask is I'm really struggling with my cash flow at the moment. I'm in between jobs. I'm waiting on another job to start.\n\nI don't know if there's any way with my the way my super setup, I can I can access some, you know, funds for, like, bonds and stuff and no? Yeah. Yeah. I would have to be out of work for a certain a long time, wouldn't it? So how long would that be?\n\nYeah. No. Yeah. Just just in between. Yeah.\n\nI'm doing off for last month. So yeah. Oh, okay. Yeah. Well, I I've got savings, but it's I've got savings, but it's locked away.\n\nAnd I can't I can't access it because I send money to my sister to see it for me, and I've sent money to her. And there's no she locked herself out of her account, so she means she has to go into a and g when she comes back out. So that's a bit of a bummer for me. So that's where I'm kind of a bit screwed. But yeah.\n\nYeah. Well, I have to get pay rent, and I'll to, you know, keep on top of all these other things as well. You know? So it's just just hard when yeah. But can we reschedule for another day?\n\nSorry about this. Yeah. Well, I I think I need this. I think I need to I think I need to sort it out soon soon. Yeah.\n\nI can call back when things are a bit better, I think. Yeah. Yeah. I just I just just trying to think straight at the moment and yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. You could be turned on there if you want.\n\nYeah. Yeah. Yeah. And yeah. Yeah.\n\nWill do. Yeah. Okay. Thank you. Bye.\n\nYeah. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.04892515391111374},{"text":"Oh, hi, Veronica.","start":7.04,"end":7.94,"sentiment":"neutral","sentiment_score":0.1528730740149816},{"text":"How are you?","start":8.16,"end":8.98,"sentiment":"neutral","sentiment_score":0.20252803464730582},{"text":"Yeah.","start":12.0,"end":12.5,"sentiment":"neutral","sentiment_score":0.06493372470140457},{"text":"Yeah.","start":12.88,"end":13.38,"sentiment":"neutral","sentiment_score":0.04453527554869652}],"sentiment":"neutral","sentiment_score":0.13606638668311966,"num_words":9,"start":0.24,"end":13.38},{"sentences":[{"text":"I'm I'm I'm okay.","start":13.759999,"end":14.82,"sentiment":"neutral","sentiment_score":0.02111882623285055},{"text":"I just totally forgot about this.","start":14.96,"end":18.955,"sentiment":"neutral","sentiment_score":-0.2612726303438346},{"text":"Fuck.","start":19.255001,"end":19.755001,"sentiment":"negative","sentiment_score":-0.5968499183654785},{"text":"Yeah.","start":24.935001,"end":25.435001,"sentiment":"neutral","sentiment_score":-0.3215094208717346},{"text":"Yeah.","start":26.455,"end":26.955,"sentiment":"neutral","sentiment_score":-0.12295646965503693}],"sentiment":"neutral","sentiment_score":-0.19419048354029655,"num_words":13,"start":13.759999,"end":26.955},{"sentences":[{"text":"Yeah.","start":27.895,"end":28.395,"sentiment":"neutral","sentiment_score":-0.04915968328714371},{"text":"Yeah.","start":29.33,"end":29.83,"sentiment":"neutral","sentiment_score":-0.01643337681889534},{"text":"The quick question I'd like to ask is I'm really struggling with my cash flow at the moment.","start":31.41,"end":38.63,"sentiment":"neutral","sentiment_score":-0.19895399103148115},{"text":"I'm in between jobs.","start":39.81,"end":41.73,"sentiment":"neutral","sentiment_score":-0.19636787846684456},{"text":"I'm waiting on another job to start.","start":41.73,"end":44.175,"sentiment":"neutral","sentiment_score":-0.21537364380700247}],"sentiment":"neutral","sentiment_score":-0.1916081264254547,"num_words":31,"start":27.895,"end":44.175},{"sentences":[{"text":"I don't know if there's any way with my the way my super setup, I can I can access some, you know, funds for, like, bonds and stuff and no?","start":45.434998,"end":59.5,"sentiment":"neutral","sentiment_score":-0.09973579583068688},{"text":"Yeah.","start":70.2,"end":70.7,"sentiment":"neutral","sentiment_score":-0.0912395566701889},{"text":"Yeah.","start":72.005,"end":72.325,"sentiment":"neutral","sentiment_score":-0.10661055147647858},{"text":"I would have to be out of work for a certain a long time, wouldn't it?","start":72.325,"end":75.945,"sentiment":"neutral","sentiment_score":-0.17841521929949522},{"text":"So how long would that be?","start":76.244995,"end":77.705,"sentiment":"neutral","sentiment_score":-0.03907278801004092}],"sentiment":"neutral","sentiment_score":-0.11627785592443413,"num_words":54,"start":45.434998,"end":77.705},{"sentences":[{"text":"Yeah.","start":82.884995,"end":83.384995,"sentiment":"neutral","sentiment_score":-0.011825695633888245},{"text":"No.","start":86.200005,"end":86.700005,"sentiment":"neutral","sentiment_score":-0.08113136887550354},{"text":"Yeah.","start":88.36,"end":88.840004,"sentiment":"neutral","sentiment_score":-0.040679436177015305},{"text":"Just just in between.","start":88.840004,"end":90.14,"sentiment":"neutral","sentiment_score":-0.05474889371544123},{"text":"Yeah.","start":91.32,"end":91.82,"sentiment":"neutral","sentiment_score":-0.06019902974367142}],"sentiment":"neutral","sentiment_score":-0.05160388816148043,"num_words":8,"start":82.884995,"end":91.82},{"sentences":[{"text":"I'm doing off for last month.","start":92.68,"end":94.840004,"sentiment":"neutral","sentiment_score":-0.10837648684779803},{"text":"So yeah.","start":94.840004,"end":98.125,"sentiment":"neutral","sentiment_score":-0.1258758381009102},{"text":"Oh, okay.","start":99.945,"end":101.565,"sentiment":"neutral","sentiment_score":-0.037621088325977325},{"text":"Yeah.","start":115.92,"end":116.159996,"sentiment":"neutral","sentiment_score":-0.032291628420352936},{"text":"Well, I I've got savings, but it's I've got savings, but it's locked away.","start":116.159996,"end":120.82,"sentiment":"neutral","sentiment_score":-0.11012643449274558}],"sentiment":"neutral","sentiment_score":-0.10205257941037417,"num_words":25,"start":92.68,"end":120.82},{"sentences":[{"text":"And I can't I can't access it because I send money to my sister to see it for me, and I've sent money to her.","start":120.88,"end":129.735,"sentiment":"neutral","sentiment_score":-0.31338573336601255},{"text":"And there's no she locked herself out of her account, so she means she has to go into a and g when she comes back out.","start":129.735,"end":135.995,"sentiment":"negative","sentiment_score":-0.4070381694115125},{"text":"So that's a bit of a bummer for me.","start":136.455,"end":140.28,"sentiment":"negative","sentiment_score":-0.6136486281951269},{"text":"So that's where I'm kind of a bit screwed.","start":140.52,"end":142.52,"sentiment":"negative","sentiment_score":-0.42046792970763314},{"text":"But yeah.","start":142.52,"end":144.54,"sentiment":"neutral","sentiment_score":-0.14183643460273743}],"sentiment":"negative","sentiment_score":-0.3944839102701402,"num_words":71,"start":120.88,"end":144.54},{"sentences":[{"text":"Yeah.","start":151.8,"end":152.12,"sentiment":"neutral","sentiment_score":-0.020012447610497475},{"text":"Well, I have to get pay rent, and I'll to, you know, keep on top of all these other things as well.","start":152.12,"end":156.795,"sentiment":"neutral","sentiment_score":-0.07095463946461678},{"text":"You know?","start":156.795,"end":157.19499,"sentiment":"neutral","sentiment_score":-0.05446936376392841},{"text":"So it's just just hard when yeah.","start":157.19499,"end":160.655,"sentiment":"neutral","sentiment_score":-0.11914244826350893},{"text":"But can we reschedule for another day?","start":161.67499,"end":166.715,"sentiment":"neutral","sentiment_score":-0.10800736450723239}],"sentiment":"neutral","sentiment_score":-0.0841026136603875,"num_words":39,"start":151.8,"end":166.715},{"sentences":[{"text":"Sorry about this.","start":166.715,"end":167.775,"sentiment":"neutral","sentiment_score":-0.049834774186213814},{"text":"Yeah.","start":180.02,"end":180.26,"sentiment":"neutral","sentiment_score":-0.03678024560213089},{"text":"Well, I I think I need this.","start":180.26,"end":181.94,"sentiment":"neutral","sentiment_score":-0.14637819251843862},{"text":"I think I need to I think I need to sort it out soon soon.","start":181.94,"end":189.555,"sentiment":"neutral","sentiment_score":-0.1802587694178025},{"text":"Yeah.","start":203.76999,"end":204.26999,"sentiment":"neutral","sentiment_score":0.045693349093198776}],"sentiment":"neutral","sentiment_score":-0.1433007447393956,"num_words":27,"start":166.715,"end":204.26999},{"sentences":[{"text":"I can call back when things are a bit better, I think.","start":206.25,"end":209.15,"sentiment":"neutral","sentiment_score":0.2216170790294806},{"text":"Yeah.","start":210.17,"end":210.67,"sentiment":"positive","sentiment_score":0.4692828953266144},{"text":"Yeah.","start":211.45,"end":211.84999,"sentiment":"neutral","sentiment_score":0.1273152232170105},{"text":"I just I just just trying to think straight at the moment and yeah.","start":211.84999,"end":216.095,"sentiment":"neutral","sentiment_score":-0.025351136656744138},{"text":"Yeah.","start":222.29251,"end":222.79251,"sentiment":"neutral","sentiment_score":0.059248872101306915}],"sentiment":"neutral","sentiment_score":0.10208055261394074,"num_words":29,"start":206.25,"end":222.79251},{"sentences":[{"text":"Yeah.","start":240.91,"end":241.41,"sentiment":"neutral","sentiment_score":0.17114737629890442},{"text":"Yeah.","start":262.16,"end":262.64,"sentiment":"neutral","sentiment_score":0.047906335443258286},{"text":"Yeah.","start":262.64,"end":262.96,"sentiment":"neutral","sentiment_score":0.04466017335653305},{"text":"Yeah.","start":262.96,"end":263.36002,"sentiment":"neutral","sentiment_score":0.0420600026845932},{"text":"You could be turned on there if you want.","start":263.36002,"end":265.84,"sentiment":"neutral","sentiment_score":0.033795629938443504}],"sentiment":"neutral","sentiment_score":0.0469180428637908,"num_words":13,"start":240.91,"end":265.84},{"sentences":[{"text":"Yeah.","start":265.84,"end":266.34,"sentiment":"neutral","sentiment_score":0.07762858271598816},{"text":"Yeah.","start":266.8,"end":267.3,"sentiment":"neutral","sentiment_score":0.0973699688911438},{"text":"Yeah.","start":268.24,"end":268.725,"sentiment":"neutral","sentiment_score":0.10601316392421722},{"text":"And yeah.","start":268.725,"end":274.825,"sentiment":"neutral","sentiment_score":0.0893632210791111},{"text":"Yeah.","start":276.885,"end":277.365,"sentiment":"neutral","sentiment_score":0.06351017951965332}],"sentiment":"neutral","sentiment_score":0.08720805620153745,"num_words":6,"start":265.84,"end":277.365},{"sentences":[{"text":"Will do.","start":277.365,"end":278.105,"sentiment":"neutral","sentiment_score":0.07476786524057388},{"text":"Yeah.","start":288.25998,"end":288.75998,"sentiment":"neutral","sentiment_score":0.10425411909818648},{"text":"Okay.","start":290.58,"end":291.06,"sentiment":"neutral","sentiment_score":0.19071081280708313},{"text":"Thank you.","start":291.06,"end":291.69287,"sentiment":"positive","sentiment_score":0.4228268265724182},{"text":"Bye.","start":292.89288,"end":293.39288,"sentiment":"neutral","sentiment_score":0.10662341117858888}],"sentiment":"neutral","sentiment_score":0.19953967524426325,"num_words":7,"start":277.365,"end":293.39288},{"sentences":[{"text":"Yeah.","start":294.73288,"end":295.23288,"sentiment":"positive","sentiment_score":0.5823119878768921},{"text":"Thanks.","start":295.29288,"end":295.79288,"sentiment":"positive","sentiment_score":0.7720704674720764},{"text":"Bye.","start":296.25287,"end":296.75287,"sentiment":"positive","sentiment_score":0.4539892077445984}],"sentiment":"positive","sentiment_score":0.6027905543645223,"num_words":3,"start":294.73288,"end":296.75287}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Veronica from OCU Financial. How are you?\n\nChannel 1: Oh, hi, Veronica. How are you?\n\nChannel 0: Good. How are you?\n\nChannel 1: Yeah. Yeah. I'm I'm I'm okay. I\n\nChannel 0: Yeah.\n\nChannel 1: just totally forgot about this. Fuck.\n\nChannel 0: No worries. That's okay. We can always reschedule. That is no stress at all. It now\n\nChannel 1: Yeah.\n\nChannel 0: it's not suitable. That, honestly,\n\nChannel 1: Yeah.\n\nChannel 0: is no stress.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: The quick question I'd like to ask is\n\nChannel 0: yeah. Of\n\nChannel 1: I'm\n\nChannel 0: course.\n\nChannel 1: really struggling with my cash flow at the moment. I'm in between jobs. I'm waiting on another job to start. I don't know if there's any way with my the way my super setup, I can I can access some, you know, funds for,\n\nChannel 0: Money.\n\nChannel 1: like, bonds and stuff and no?\n\nChannel 0: There not directly. You can access Super for something that's called financial hardship.\n\nChannel 1: Yeah.\n\nChannel 0: Now that\n\nChannel 1: Yeah.\n\nChannel 0: would\n\nChannel 1: I\n\nChannel 0: be\n\nChannel 1: would have to be out of work for a certain a long\n\nChannel 0: alright.\n\nChannel 1: time, wouldn't it?\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: how\n\nChannel 0: is\n\nChannel 1: long\n\nChannel 0: the\n\nChannel 1: would that\n\nChannel 0: the\n\nChannel 1: be?\n\nChannel 0: caveat. So it's on Centrelink for twenty six weeks.\n\nChannel 1: Yeah.\n\nChannel 0: Are you on Centrelink at the moment, or is it just\n\nChannel 1: No.\n\nChannel 0: kind of the in between jobs?\n\nChannel 1: Yeah. Just just in between.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I'm doing off for last month. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: It's hard.\n\nChannel 1: Oh, okay.\n\nChannel 0: Do you do you have, like, a bit of a, like, a budget? Do you have, like, a cash flow? But have you done anything to try to help like, is there anything we can help in that way? Like, have you done\n\nChannel 1: Yeah. Well,\n\nChannel 0: any\n\nChannel 1: I I've\n\nChannel 0: cash\n\nChannel 1: got\n\nChannel 0: flow and\n\nChannel 1: savings,\n\nChannel 0: budget?\n\nChannel 1: but it's I've got savings,\n\nChannel 0: Yeah.\n\nChannel 1: but it's locked away. And I can't I can't access it because I send money to my sister to\n\nChannel 0: Yeah.\n\nChannel 1: see it for me, and I've sent money to her. And there's no she locked herself out of her account, so she means she has to go into a and g when she comes back out. So\n\nChannel 0: Yeah. Okay.\n\nChannel 1: that's a bit of a bummer for me. So that's where\n\nChannel 0: Yeah.\n\nChannel 1: I'm kind of a bit screwed. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: And, like, your day to day expenses, obviously, if you do if you're kind of in between jobs, when do you\n\nChannel 1: Yeah. Well, I have to get pay rent, and I'll to, you know, keep on top of all these other things as well. You know? So it's just just\n\nChannel 0: Yeah.\n\nChannel 1: hard when yeah. But\n\nChannel 0: No.\n\nChannel 1: can we reschedule for another\n\nChannel 0: Yes. Of\n\nChannel 1: day?\n\nChannel 0: course, we\n\nChannel 1: Sorry\n\nChannel 0: can.\n\nChannel 1: about\n\nChannel 0: Of\n\nChannel 1: this.\n\nChannel 0: course. No. Honestly and honestly, if if now is obviously a lot, we can push it out. Like, we can we can touch base in a couple of weeks. Like, it doesn't have to be right now, especially if you are in between jobs as well.\n\nIt's\n\nChannel 1: Yeah.\n\nChannel 0: probably,\n\nChannel 1: Well,\n\nChannel 0: like,\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: think I\n\nChannel 0: last\n\nChannel 1: need this.\n\nChannel 0: thing.\n\nChannel 1: I think I need to I think I need to sort it out\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: soon soon.\n\nChannel 0: Yeah. Okay. Now would you like me to book in an appointment in a couple of weeks, or would you prefer to let me know when things are a bit better and you wanna talk\n\nChannel 1: Yeah.\n\nChannel 0: about it?\n\nChannel 1: I can call back when things are a bit better, I think.\n\nChannel 0: Yeah. I think\n\nChannel 1: Yeah.\n\nChannel 0: that's a good idea.\n\nChannel 1: Yeah.\n\nChannel 0: And that\n\nChannel 1: I\n\nChannel 0: way,\n\nChannel 1: just\n\nChannel 0: it's not\n\nChannel 1: I\n\nChannel 0: gonna\n\nChannel 1: just\n\nChannel 0: be\n\nChannel 1: just\n\nChannel 0: the\n\nChannel 1: trying\n\nChannel 0: stress.\n\nChannel 1: to think straight at the moment and\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Now what I can do, I don't know if it's gonna be helpful, is I can email you a cash flow and\n\nChannel 1: Yeah.\n\nChannel 0: budget. Sometimes people find it helpful through obviously, no obligation. It's completely up to you if you wanna do it in your own time, but I'm finding a lot of people are finding it helpful, obviously, meeting and to meet with ex bills and expenses and everything like that.\n\nChannel 1: Yeah.\n\nChannel 0: It is a good way to track where your expenses are going. Obviously, if you're not working and not having income, that's obviously hard. But it's usually a good way to try and be like, is there any areas at all where I can forego, like, a subscription, or can I reduce this to try and make things work in the meantime?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Would you\n\nChannel 1: Yeah.\n\nChannel 0: like me\n\nChannel 1: You\n\nChannel 0: to\n\nChannel 1: could\n\nChannel 0: email that\n\nChannel 1: be\n\nChannel 0: to\n\nChannel 1: turned\n\nChannel 0: you?\n\nChannel 1: on there if you want.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I'll email it to you.\n\nChannel 1: Yeah. And\n\nChannel 0: And, obviously, if you have a moment, have a look at it. If you need any help completing it or any\n\nChannel 1: yeah.\n\nChannel 0: further assistance, just give me a call\n\nChannel 1: Yeah.\n\nChannel 0: or send me\n\nChannel 1: Will\n\nChannel 0: an\n\nChannel 1: do.\n\nChannel 0: email. Otherwise, I would leave it with you. But if it is a situation where you do end up on Centrelink or there is something else you need, just let me know. Okay? I'm always\n\nChannel 1: Yeah.\n\nChannel 0: here. You can just give me a call. Okay?\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Okay. No worries.\n\nChannel 1: Bye.\n\nChannel 0: Well, let me know how you're going.\n\nChannel 1: Yeah. Thanks.\n\nChannel 0: Okay.\n\nChannel 1: Bye.\n\nChannel 0: Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.04892515391111374}],"sentiment":"neutral","sentiment_score":0.04892515391111374,"channel":1,"num_words":1,"start":0.24,"end":0.74},{"sentences":[{"text":"Good afternoon.","start":1.52,"end":2.32,"sentiment":"neutral","sentiment_score":0.2722379267215729},{"text":"This is Veronica from OCU Financial.","start":2.32,"end":4.18,"sentiment":"neutral","sentiment_score":0.24017880856990814},{"text":"How are you?","start":4.24,"end":4.98,"sentiment":"neutral","sentiment_score":0.21554943919181824}],"sentiment":"neutral","sentiment_score":0.23929063840345902,"channel":0,"num_words":11,"start":1.52,"end":4.98},{"sentences":[{"text":"Oh, hi, Veronica.","start":7.04,"end":7.94,"sentiment":"neutral","sentiment_score":0.1528730740149816},{"text":"How are you?","start":8.16,"end":8.98,"sentiment":"neutral","sentiment_score":0.20252803464730582}],"sentiment":"neutral","sentiment_score":0.1777005543311437,"channel":1,"num_words":6,"start":7.04,"end":8.98},{"sentences":[{"text":"Good.","start":9.5199995,"end":9.84,"sentiment":"neutral","sentiment_score":0.2837000787258148},{"text":"How are you?","start":9.84,"end":10.66,"sentiment":"neutral","sentiment_score":0.18660997847716013}],"sentiment":"neutral","sentiment_score":0.2108825035393238,"channel":0,"num_words":4,"start":9.5199995,"end":10.66},{"sentences":[{"text":"Yeah.","start":12.0,"end":12.5,"sentiment":"neutral","sentiment_score":0.06493372470140457},{"text":"Yeah.","start":12.88,"end":13.38,"sentiment":"neutral","sentiment_score":0.04453527554869652},{"text":"I'm I'm I'm okay.","start":13.759999,"end":14.82,"sentiment":"neutral","sentiment_score":0.02111882623285055},{"text":"I","start":14.96,"end":15.46,"sentiment":"neutral","sentiment_score":-0.0672249123454094}],"sentiment":"neutral","sentiment_score":0.01810277040515627,"channel":1,"num_words":7,"start":12.0,"end":15.46},{"sentences":[{"text":"Yeah.","start":16.335,"end":16.835,"sentiment":"neutral","sentiment_score":-0.10847219824790956}],"sentiment":"neutral","sentiment_score":-0.10847219824790956,"channel":0,"num_words":1,"start":16.335,"end":16.835},{"sentences":[{"text":"just totally forgot about this.","start":16.935,"end":18.955,"sentiment":"neutral","sentiment_score":-0.3000821739435196},{"text":"Fuck.","start":19.255001,"end":19.755001,"sentiment":"negative","sentiment_score":-0.5968499183654785}],"sentiment":"negative","sentiment_score":-0.3495434646805127,"channel":1,"num_words":6,"start":16.935,"end":19.755001},{"sentences":[{"text":"No 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me","start":276.94998,"end":277.50998,"sentiment":"neutral","sentiment_score":0.0568887343009313}],"sentiment":"neutral","sentiment_score":0.0568887343009313,"channel":0,"num_words":3,"start":276.94998,"end":277.50998},{"sentences":[{"text":"Will","start":277.365,"end":277.605,"sentiment":"neutral","sentiment_score":0.08718439191579819}],"sentiment":"neutral","sentiment_score":0.08718439191579819,"channel":1,"num_words":1,"start":277.365,"end":277.605},{"sentences":[{"text":"an","start":277.50998,"end":277.66998,"sentiment":"neutral","sentiment_score":0.08395200222730637}],"sentiment":"neutral","sentiment_score":0.08395200222730637,"channel":0,"num_words":1,"start":277.50998,"end":277.66998},{"sentences":[{"text":"do.","start":277.605,"end":278.105,"sentiment":"neutral","sentiment_score":0.06235133856534958}],"sentiment":"neutral","sentiment_score":0.06235133856534958,"channel":1,"num_words":1,"start":277.605,"end":278.105},{"sentences":[{"text":"email.","start":277.66998,"end":278.16998,"sentiment":"neutral","sentiment_score":0.05447506159543991},{"text":"Otherwise, I would leave it with you.","start":278.55,"end":280.965,"sentiment":"neutral","sentiment_score":0.09238204998629433},{"text":"But if it is a situation where you do end up on Centrelink or there is something else you need, just let me know.","start":280.965,"end":287.605,"sentiment":"neutral","sentiment_score":0.08420130889862776},{"text":"Okay?","start":287.605,"end":287.92502,"sentiment":"neutral","sentiment_score":0.08146660774946213},{"text":"I'm always","start":287.92502,"end":288.405,"sentiment":"neutral","sentiment_score":0.11387539654970169}],"sentiment":"neutral","sentiment_score":0.08660566359758377,"channel":0,"num_words":35,"start":277.66998,"end":288.405},{"sentences":[{"text":"Yeah.","start":288.25998,"end":288.75998,"sentiment":"neutral","sentiment_score":0.10425411909818648}],"sentiment":"neutral","sentiment_score":0.10425411909818648,"channel":1,"num_words":1,"start":288.25998,"end":288.75998},{"sentences":[{"text":"here.","start":288.405,"end":288.64502,"sentiment":"neutral","sentiment_score":0.10372144728899002},{"text":"You can just give me a 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worries.","start":292.5029,"end":293.14288,"sentiment":"neutral","sentiment_score":0.1764599084854126}],"sentiment":"neutral","sentiment_score":0.17252101997534433,"channel":0,"num_words":3,"start":292.0229,"end":293.14288},{"sentences":[{"text":"Bye.","start":292.89288,"end":293.39288,"sentiment":"neutral","sentiment_score":0.10662341117858888}],"sentiment":"neutral","sentiment_score":0.10662341117858888,"channel":1,"num_words":1,"start":292.89288,"end":293.39288},{"sentences":[{"text":"Well, let me know how you're going.","start":293.14288,"end":294.6829,"sentiment":"positive","sentiment_score":0.5640822052955627}],"sentiment":"positive","sentiment_score":0.5640822052955627,"channel":0,"num_words":7,"start":293.14288,"end":294.6829},{"sentences":[{"text":"Yeah.","start":294.73288,"end":295.23288,"sentiment":"positive","sentiment_score":0.5823119878768921},{"text":"Thanks.","start":295.29288,"end":295.79288,"sentiment":"positive","sentiment_score":0.7720704674720764}],"sentiment":"positive","sentiment_score":0.6771912276744843,"channel":1,"num_words":2,"start":294.73288,"end":295.79288},{"sentences":[{"text":"Okay.","start":295.86288,"end":296.36288,"sentiment":"positive","sentiment_score":0.4725600183010102}],"sentiment":"positive","sentiment_score":0.4725600183010102,"channel":0,"num_words":1,"start":295.86288,"end":296.36288},{"sentences":[{"text":"Bye.","start":296.25287,"end":296.75287,"sentiment":"positive","sentiment_score":0.4539892077445984}],"sentiment":"positive","sentiment_score":0.4539892077445984,"channel":1,"num_words":1,"start":296.25287,"end":296.75287},{"sentences":[{"text":"Alright.","start":296.5029,"end":297.0029,"sentiment":"neutral","sentiment_score":0.253901869058609},{"text":"Bye.","start":297.2229,"end":297.7229,"sentiment":"neutral","sentiment_score":-0.09380356222391129}],"sentiment":"neutral","sentiment_score":0.08004915341734886,"channel":0,"num_words":2,"start":296.5029,"end":297.7229}]},"summary":{"result":"success","short":"A customer named Veronica from OCU Financial calls and talks to an agent named Veronica about their cash flow and budget. Veronica explains that she is struggling with her cash flow due to jobs and waiting for a new one. They discuss scheduling an appointment and the agent offers to email Veronica a cash flow budget."},"intents":{"segments":[{"text":"We can always reschedule. That is no stress at all.","start_word":40,"end_word":49,"intents":[{"intent":"Reschedule job","confidence_score":0.0033981001}]},{"text":"I don't know if there's any way with my the way my super setup, I can I can access some, you know, funds for, Money. like, bonds and stuff and no? There not directly.","start_word":98,"end_word":131,"intents":[{"intent":"Access funds","confidence_score":0.8099433},{"intent":"Access funds","confidence_score":0.1528381},{"intent":"Reach funds","confidence_score":0.0052425144}]},{"text":"You can access Super for something that's called financial hardship. Yeah.","start_word":132,"end_word":142,"intents":[{"intent":"Access super","confidence_score":0.38276833}]},{"text":"Do you do you have, like, a bit of a, like, a budget? Do you have, like, a cash flow? But have you done anything to try to help like, is there anything we can help in that way? Like, have you done Yeah.","start_word":224,"end_word":267,"intents":[{"intent":"Help budget","confidence_score":0.060586236}]},{"text":"Well, any I I've cash got flow and savings, budget?","start_word":269,"end_word":278,"intents":[{"intent":"Expressing need for cash flow","confidence_score":0.061057165}]},{"text":"but it's locked away. And I can't I can't access it because I send money to my sister to Yeah. see it for me, and I've sent money to her. And there's no she locked herself out of her account, so she means she has to go into a and g when she comes back out. So Yeah.","start_word":284,"end_word":341,"intents":[{"intent":"Expressing dissatisfaction with receipt of funds","confidence_score":0.00032160906}]},{"text":"And I can't I can't access it because I send money to my sister to Yeah.","start_word":288,"end_word":303,"intents":[{"intent":"Requesting money accessing funds","confidence_score":0.00000640283}]},{"text":"see it for me, and I've sent money to her. And there's no she locked herself out of her account, so she means she has to go into a and g when she comes back out. So Yeah.","start_word":304,"end_word":341,"intents":[{"intent":"Discussing personal needs","confidence_score":0.000110533874}]},{"text":"Well, I have to get pay rent, and I'll to, you know, keep on top of all these other things as well. You know?","start_word":386,"end_word":409,"intents":[{"intent":"Expressing need for additional expenses","confidence_score":0.0014397523}]},{"text":"Now would you like me to book in an appointment in a couple of weeks, or would you prefer to let me know when things are a bit better and you wanna talk Yeah. about it?","start_word":515,"end_word":550,"intents":[{"intent":"Discussing appointment scheduling","confidence_score":0.0032126685},{"intent":"Expressing preference for change in schedule","confidence_score":0.00024967451},{"intent":"Re-approval of appointment","confidence_score":2.7345335e-9}]},{"text":"If you need any help completing it or any yeah. further assistance, just give me a call Yeah.","start_word":774,"end_word":791,"intents":[{"intent":"Ask for help","confidence_score":0.0006038169}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Veronica from OCU Financial. How are you? Oh, hi, Veronica. How are you? Good. How are you? Yeah. Yeah. I'm I'm I'm okay. I Yeah. just totally forgot about this.","start_word":0,"end_word":34,"sentiment":"neutral","sentiment_score":0.09067431837320328},{"text":"Fuck.","start_word":35,"end_word":35,"sentiment":"negative","sentiment_score":-0.5968499183654785},{"text":"No worries. That's okay. We can always reschedule. That is no stress at all. It now Yeah.","start_word":36,"end_word":52,"sentiment":"neutral","sentiment_score":-0.13259437680244446},{"text":"it's not suitable.","start_word":53,"end_word":55,"sentiment":"negative","sentiment_score":-0.5593027472496033},{"text":"That, honestly, Yeah. is no stress. Yeah. Yeah. Yeah. Now The quick question I'd like to ask is yeah. Of I'm course.","start_word":56,"end_word":77,"sentiment":"neutral","sentiment_score":-0.08702254295349121},{"text":"really struggling with my cash flow at the moment.","start_word":78,"end_word":86,"sentiment":"negative","sentiment_score":-0.36403888463974},{"text":"I'm in between jobs. I'm waiting on another job to start. I don't know if there's any way with my the way my super setup, I can I can access some, you know, funds for, Money. like, bonds and stuff and no? There not directly. You can access Super for something that's called financial hardship. Yeah. Now that Yeah. would I be would have to be out of work for a certain a long alright. time, wouldn't it? So So that how is long the would that the be? caveat. So it's on Centrelink for twenty six weeks. Yeah. Are you on Centrelink at the moment, or is it just No. kind of the in between jobs? Yeah. Just just in between. Yeah. Yeah. I'm doing off for last month. So Yeah. yeah. It's hard. Oh, okay. Do you do you have, like, a bit of a, like, a budget? Do you have, like, a cash flow? But have you done anything to try to help like, is there anything we can help in that way? Like, have you done Yeah. Well, any I I've cash got flow and savings, budget? but it's I've got savings, Yeah.","start_word":87,"end_word":283,"sentiment":"neutral","sentiment_score":-0.0807273825866922},{"text":"but it's locked away.","start_word":284,"end_word":287,"sentiment":"negative","sentiment_score":-0.3604165613651275},{"text":"And I can't I can't access it because I send money to my sister to Yeah. see it for me, and I've sent money to her.","start_word":288,"end_word":313,"sentiment":"neutral","sentiment_score":-0.3082234561443329},{"text":"And there's no she locked herself out of her account, so she means she has to go into a and g when she comes back out.","start_word":314,"end_word":339,"sentiment":"negative","sentiment_score":-0.3926587700843811},{"text":"So Yeah. Okay.","start_word":340,"end_word":342,"sentiment":"neutral","sentiment_score":-0.26193472743034363},{"text":"that's a bit of a bummer for me.","start_word":343,"end_word":350,"sentiment":"negative","sentiment_score":-0.6609737873077393},{"text":"So that's where Yeah.","start_word":351,"end_word":354,"sentiment":"neutral","sentiment_score":-0.26069721579551697},{"text":"I'm kind of a bit screwed.","start_word":355,"end_word":360,"sentiment":"negative","sentiment_score":-0.5257952213287354},{"text":"But Yeah. yeah. And, like, your day to day expenses, obviously, if you do if you're kind of in between jobs, when do you Yeah. Well, I have to get pay rent, and I'll to, you know, keep on top of all these other things as well. You know? So it's just just Yeah. hard when yeah. But No. can we reschedule for another Yes. Of day? course, we Sorry can. about Of this. course. No. Honestly and honestly, if if now is obviously a lot, we can push it out. Like, we can we can touch base in a couple of weeks. Like, it doesn't have to be right now, especially if you are in between jobs as well. It's Yeah. probably, Well, like, I the I the think I last need this. thing. I think I need to I think I need to sort it out Yeah. Yeah. soon soon. Yeah. Okay. Now would you like me to book in an appointment in a couple of weeks, or would you prefer to let me know when things are a bit better and you wanna talk Yeah. about it? I can call back when things are a bit better, I think. Yeah.","start_word":361,"end_word":563,"sentiment":"neutral","sentiment_score":-0.04035828354323439},{"text":"I think Yeah. that's a good idea.","start_word":564,"end_word":570,"sentiment":"positive","sentiment_score":0.5980573892593384},{"text":"Yeah. And that I way, just it's not I gonna just be just the trying stress. to think straight at the moment and Yeah. yeah. Now what I can do, I don't know if it's gonna be helpful, is I can email you a cash flow and Yeah. budget. Sometimes people find it helpful through obviously, no obligation. It's completely up to you if you wanna do it in your own time, but I'm finding a lot of people are finding it helpful, obviously, meeting and to meet with ex bills and expenses and everything like that. Yeah.","start_word":571,"end_word":668,"sentiment":"neutral","sentiment_score":0.12582215666770935},{"text":"It is a good way to track where your expenses are going.","start_word":669,"end_word":680,"sentiment":"positive","sentiment_score":0.34166228771209717},{"text":"Obviously, if you're not working and not having income, that's obviously hard. But it's usually a good way to try and be like, is there any areas at all where I can forego, like, a subscription, or can I reduce this to try and make things work in the meantime? Yeah. Yeah. Would you Yeah. like me You to could email that be to turned you? on there if you want. Yeah. Yeah. Yeah. I'll email it to you. Yeah. And And, obviously, if you have a moment, have a look at it. If you need any help completing it or any yeah. further assistance, just give me a call Yeah. or send me Will an do. email. Otherwise, I would leave it with you. But if it is a situation where you do end up on Centrelink or there is something else you need, just let me know. Okay? I'm always Yeah. here. You can just give me a call. Okay? Okay.","start_word":681,"end_word":843,"sentiment":"neutral","sentiment_score":0.073809914290905},{"text":"Thank you.","start_word":844,"end_word":845,"sentiment":"positive","sentiment_score":0.40295618772506714},{"text":"Okay. No worries. Bye.","start_word":846,"end_word":849,"sentiment":"neutral","sentiment_score":0.16256505250930786},{"text":"Well, let me know how you're going. Yeah. Thanks. Okay. Bye.","start_word":850,"end_word":860,"sentiment":"positive","sentiment_score":0.5611138939857483},{"text":"Alright. Bye.","start_word":861,"end_word":862,"sentiment":"neutral","sentiment_score":0.2536332309246063}],"average":{"sentiment":"neutral","sentiment_score":-0.023625581830691827}}}}