{"metadata":{"transaction_key":"deprecated","request_id":"01a0611e-ba90-70f1-9683-b6f7e31a2b17","sha256":"c5084aa8affee967174253799215110c270271d3f0574a063df241f3a358b50f","created":"2026-09-02T07:56:41.562Z","duration":1011.74396,"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":3301,"output_tokens":133},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3715,"output_tokens":3723},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3715,"output_tokens":171}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Shane. You're through to Tommy here, mate. How are you doing? I'm living the dream. It's a beautiful evening so far, but thank you so much for calling back in. That's fair enough. I won't take too much of your time this evening. I essentially just wanted to give you a couple of updates on our research. Couple of little things I wanted to run by you as well, and then I'm pretty well good to have your plan finalized for next week. Now just as a quick little recap, what we've been doing in the background. So we were talking about updating the portfolio for the server, possibly moving some funds between the accounts. So I've got all the updated portfolio comparisons done. Looks very, very good. We weren't really doing anything estate planning wise. We have been investigating the insurances and researching CareSuper and AustralianSuper just to try and keep those going. Does that ring a bell? Now one of the things too that we talked about was income protection for the the train driving occupation. Now there is a couple of providers that we've found that they ensure, like, firefighters, and that's one of the kind of top three, basically, trained drivers, firefighters, and pilots are the top three in that single category that tend to get restricted. So I'm just waiting to hear back from them to see if they will offer income protection, and that should come back through in the next couple of days, probably tomorrow or Monday as well. Now the other yeah. No. It's just one of the things where those three occupations are normally covered through the employer themselves, and they do consider they do actually consider those three to be high risk, but most of them are they tend to be covered through, you know, like, public sector employment bargaining agreements and things like that. So it's not an area that's pretty common to get cover for. Same thing with, like, Qantas pilots. Qantas has their own, like, income protection and things like that. There was only ever one insurer that would ever look at those guys. Now the other thing too surprise. Sorry. Yeah. How many trains crash? How many Qantas planes crash? I think and correct me if I'm wrong too. Part of the risk analysis that the insurers do is around body function leading to doing the role. So, you know, the old tradie there who's using his fingers or the surgeon tends to have a lot of difficulty even if their finger's broken, that kind of thing. I'm not sure what what your job will be like with with those things if you had, like, a broken leg or or a hand or something. Would they just basically say you're not allowed to operate or or anything like that? Yeah. Yeah. Yeah. Absolutely. Whereas I can go in in a wheelchair, and I can still do a few phone calls. So yes. Even if you'd be able to do it, the employee would probably just put a put a no on that until you get back from sick leave or something like that. Absolutely. Yeah. Yeah. So I don't look. I don't like the chances too much, but, again, there's a couple that are possible. And what I'll come back to you with is if they are gonna insure it, if they get to offer you what they call, like, a special risk or ADL definitions, they're very, very, very restrictive and and almost not worth the paper they're written on. The one that you're aiming for is a similar definition to your TPD cover where it's like, if you can't work any occupation you're reasonably suited to, well, then you made a definition that you can be paid. So a lot less restrictive. So, again, I I wanna make sure if I do find something, it's gonna be a value for the price that you'd pay for it. The other thing too, and forgive me for not bringing this up upfront, but we got the research back from CareSuper and AustralianSuper, and we've had a a lapse of your CareSuper insurances. Apparently, when we contacted them, they've been sending out letters or something for a good period of time between October and April, and they've temporarily canceled the insurances that are in CareSoup. Let's have a look. We've got King Street, Wallin, Victoria, and that's the one that they've got on the statement. I wonder if they had opted for some super funds have switched from from letters to emails. So you might have something sitting there in an inbox somewhere. Not a 100% certain what email you might have linked with them. They don't show it to me. Shouldn't be any different. Yep. And you're pretty on top of your emails, I believe. If something popped up three, four times final final payment notice, you'd probably have noticed that. Yeah. I do have some solutions, though. I never come into a conversation without a solution. The Australian Super and Care Super have a really good way of dealing with dormant cover where a contribution can reactivate it straight away. So what we would need to do, Care Super requires an employer contribution, whereas Australian Super could do it off of an opt in notice and a small ad hoc contribution. So I wanted to run by you the idea of potentially switching the contributions to go to CareSuper and then opting into AustralianSuper. That's the the safest way to maintain those. Well, the portfolio was a bit rough, to be honest. There's 7,386 in there. Last check. Well, the main the main portfolio in in the hub is obviously the driver for returns. The main reason for CareSoup is, I guess, the activatable cover I'm seeing here, $3,034,000 of life insurance, 23,000 of TPD, total disability cover. So that's essentially the reason to keep it if you value having those two. If not, there's almost no reason to keep it in those types of investments. Yes. So we've got 30,000 worth of life insurance with AusSuper, 7,000 worth of TPD, and they've also got a little bit of income protection in there for you. $2,800. So I know it's very small, but that can be added on to work cover percentages, accident, injury, and illness. So Australian Superstore Hat does have a bit of cover. Correct. Let me have a look. I'm just gonna grab up the admin fee structure because Yeah. The premiums let me have a look at the premiums here. So $324 per annum for the life and disability insurance. And the main driver when it comes to admin fees for the account is if it's a flat dollar fee, it eats into it quite a lot. If it's a percentage based, then it doesn't really matter what the balance is. So we've got another $67.60 plus 0.15% as well. So they do have a flat fee, a percentage fee, and the insurance premiums. So you're talking about $4,500 worth of fees coming out per year. I have a quick look because they also they also need to maintain it above $6,000, which is the minimum. So we would constantly be topping it up every couple of years. Fees would work out to be realistically, it's gonna be copying about six or 7% of the balance on the fees, and it'll probably be earning around seven or 8% returns. So it's not really gonna actually go anywhere. It'll stay pretty well stagnant just to fund that little bit of insurance cover. If you don't value the insurance cover, it's much easier to run two super funds than three and get it growing faster. If you do value the cover, we can just switch where the contributions go. Yep. K. I can absolutely do that. That means a little bit less admin paperwork for you too because the contributions are going to all super anyway. So I can move the funds around through rollovers online, update the portfolio. I'll double check the income protection, and then everything should be pretty clean after that. Cool. You will have obviously another chance. I'll put this together in a plan with the updated projections. If at that point you wanna vary the advice and you're not comfortable proceeding with that, you can just write into the plan how you would like to implement it. And if you do have second thoughts, we can alter what we do as well. That sound okay? Perfect. Alright. That gives me the direction that I need. Do you have any questions for me at this point? Yep. So the two ways we can do it, when I put together the updated plan that includes all the recommendations and strategies, Once you sign off on that, we can do a rollover. The only other thing that we can do outside of that is if you give us permission to do more regular rollovers outside of that. So normally, when we do a review, we see how much it's built up to be. We'll update your plan. You sign off, then we can move funds around unless you stipulate, hey. Stop asking me every year to do this. Please just move x amount unless necessary to discuss. Once a year would be the sort of middle ground. We do have a couple of clients that we do every six months for. Probably not more often than that. Need a bit of time for contributions to build up and make sure you're not copying any exit fees or anything like that. It still averages out. So even though it's kind of, let's say, it grows at 8% in Australian super and 10% in in the main fund, and then we roll it across in six, twelve months time, that'll accelerate till then until retirement until the next lot comes in as well. So that kind of six months doesn't make too much of a difference where it would be a concern for me, but we always follow your instructions. Okay. Cool. From here, because I've had a couple of openings for next week, I just know I'm booking out at the moment. Would you have a bit of time maybe next Wednesday, Thursday to run through that plan together? Yeah. That's no worries at all. And if it helps too, just while you're grabbing that up, I do early on a Monday, Friday, and late nights on a Tuesday, Wednesday, Thursday, so if that helps. Perfect. Can I give you a call, like, Wednesday after lunchtime around 01:30? Amazing. What I'll do is I'll get the team to send that little reminder text message out beforehand just in case if we need to move it around a little bit. But I just thought much easier to just finalize these last couple of pieces, get you booked in on Wednesday, and then we can pretty much implement it straight away, and you won't have to wait to the end of the month or anything like that. 01:30 on the ninth, if possible. Yep. Would it be helpful if I invited your email address for a calendar invite? Does that does that help? Gotcha. That's alright. Again, I'll send you the text message beforehand, but, yeah, 01:30 on Wednesday, the ninth, we can run through that plan together. Awesome. Anything else I can do before I let you go there, Shane? You make the the decisions you can with the information in front of you and just hope that it kind of fits you personally. And, again, if we need to, we do tend to change it. So if something happens, yes, let's say CareSuper goes. There are other funds that do defaults, and I can always kind of refresh a similar position if we ever need to. Easy done. Alright. Leave it with me. I'll finish off these couple of calls for the insurance, and and then I'll be speaking to you next Wednesday. Awesome, Jane. Have a fantastic evening and weekend, and I'll talk to you soon. Thank you, mate. Bye.","confidence":0.99902344,"words":[{"word":"hi","start":1.76,"end":2.08,"confidence":0.98950195,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.17388901114463806},{"word":"shane","start":2.08,"end":2.32,"confidence":0.9951172,"punctuated_word":"Shane.","sentiment":"neutral","sentiment_score":0.17815838754177094},{"word":"you're","start":2.32,"end":2.56,"confidence":0.9916992,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.2112474739551544},{"word":"through","start":2.56,"end":2.8,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1957962065935135},{"word":"to","start":2.8,"end":2.96,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19566133618354797},{"word":"tommy","start":2.96,"end":3.28,"confidence":0.9892578,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.198659747838974},{"word":"here","start":3.28,"end":3.4399998,"confidence":0.99365234,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.25130802392959595},{"word":"mate","start":3.4399998,"end":3.6799998,"confidence":0.99194336,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":0.24044108390808103},{"word":"how","start":3.6799998,"end":3.84,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.29037830233573914},{"word":"are","start":3.84,"end":3.92,"confidence":0.6435547,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2674921154975891},{"word":"you","start":3.92,"end":4.0,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22620396316051483},{"word":"doing","start":4.0,"end":4.5,"confidence":1.0,"punctuated_word":"doing?","sentiment":"neutral","sentiment_score":0.22860552370548248},{"word":"i'm","start":6.3199997,"end":6.56,"confidence":0.58776855,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6727604866027832},{"word":"living","start":6.56,"end":6.8799996,"confidence":0.9892578,"punctuated_word":"living","sentiment":"positive","sentiment_score":0.6913941502571106},{"word":"the","start":6.8799996,"end":7.04,"confidence":0.9589844,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7129639983177185},{"word":"dream","start":7.04,"end":7.2799997,"confidence":0.99853516,"punctuated_word":"dream.","sentiment":"positive","sentiment_score":0.6548783183097839},{"word":"it's","start":7.2799997,"end":7.44,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.7739365100860596},{"word":"a","start":7.44,"end":7.6,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7998943328857422},{"word":"beautiful","start":7.6,"end":8.0,"confidence":1.0,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.7627586722373962},{"word":"evening","start":8.0,"end":8.4,"confidence":1.0,"punctuated_word":"evening","sentiment":"positive","sentiment_score":0.7692036032676697},{"word":"so","start":8.4,"end":8.559999,"confidence":0.9970703,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7767602205276489},{"word":"far","start":8.559999,"end":8.72,"confidence":0.9921875,"punctuated_word":"far,","sentiment":"positive","sentiment_score":0.7402140498161316},{"word":"but","start":8.72,"end":8.88,"confidence":1.0,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.6973681449890137},{"word":"thank","start":8.88,"end":9.04,"confidence":1.0,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.7440245151519775},{"word":"you","start":9.04,"end":9.2,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7659602165222168},{"word":"so","start":9.2,"end":9.36,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7446087002754211},{"word":"much","start":9.36,"end":9.5199995,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.7358989119529724},{"word":"for","start":9.5199995,"end":9.679999,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.66778165102005},{"word":"calling","start":9.679999,"end":10.0,"confidence":0.99902344,"punctuated_word":"calling","sentiment":"positive","sentiment_score":0.7448789477348328},{"word":"back","start":10.0,"end":10.16,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.7644739151000977},{"word":"in","start":10.16,"end":10.66,"confidence":1.0,"punctuated_word":"in.","sentiment":"positive","sentiment_score":0.6752068996429443},{"word":"that's","start":23.634998,"end":23.875,"confidence":0.73742676,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.019213169813156128},{"word":"fair","start":23.875,"end":24.115,"confidence":1.0,"punctuated_word":"fair","sentiment":"neutral","sentiment_score":0.02876807004213333},{"word":"enough","start":24.115,"end":24.615,"confidence":1.0,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":0.05709629878401756},{"word":"i","start":25.949999,"end":26.189999,"confidence":0.96435547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03058616816997528},{"word":"won't","start":26.189999,"end":26.509998,"confidence":0.9995117,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.024583473801612857},{"word":"take","start":26.509998,"end":26.75,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.02542074024677277},{"word":"too","start":26.75,"end":26.91,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.05473223328590393},{"word":"much","start":26.91,"end":27.15,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.006547525525093079},{"word":"of","start":27.15,"end":27.23,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04575652629137039},{"word":"your","start":27.23,"end":27.39,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06033715605735779},{"word":"time","start":27.39,"end":27.63,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.050730347633361816},{"word":"this","start":27.63,"end":27.869999,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03688324987888336},{"word":"evening","start":27.869999,"end":28.369999,"confidence":0.9970703,"punctuated_word":"evening.","sentiment":"neutral","sentiment_score":0.05306148901581764},{"word":"i","start":28.429998,"end":28.829998,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.169316366314888},{"word":"essentially","start":28.829998,"end":29.31,"confidence":0.75439453,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.16049924492836},{"word":"just","start":29.31,"end":29.47,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19528256356716156},{"word":"wanted","start":29.47,"end":29.71,"confidence":0.9633789,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.217547208070755},{"word":"to","start":29.71,"end":29.789999,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23385272920131683},{"word":"give","start":29.789999,"end":29.869999,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2269924134016037},{"word":"you","start":29.869999,"end":30.029999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30794331431388855},{"word":"a","start":30.029999,"end":30.109999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25935399532318115},{"word":"couple","start":30.109999,"end":30.349998,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.26217925548553467},{"word":"of","start":30.349998,"end":30.509998,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29846838116645813},{"word":"updates","start":30.509998,"end":31.009998,"confidence":0.9980469,"punctuated_word":"updates","sentiment":"neutral","sentiment_score":0.22133363783359528},{"word":"on","start":31.07,"end":31.57,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.26933586597442627},{"word":"our","start":31.71,"end":31.949999,"confidence":0.9980469,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.3058140277862549},{"word":"research","start":31.949999,"end":32.449997,"confidence":0.91918945,"punctuated_word":"research.","sentiment":"neutral","sentiment_score":0.2400364875793457},{"word":"couple","start":33.79,"end":34.11,"confidence":0.94750977,"punctuated_word":"Couple","sentiment":"neutral","sentiment_score":0.30629509687423706},{"word":"of","start":34.11,"end":34.269997,"confidence":0.90478516,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3086935877799988},{"word":"little","start":34.269997,"end":34.43,"confidence":0.9951172,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.29253560304641724},{"word":"things","start":34.43,"end":34.67,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.3095686137676239},{"word":"i","start":34.67,"end":34.75,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2971577048301697},{"word":"wanted","start":34.75,"end":34.989998,"confidence":0.9760742,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.26851698756217957},{"word":"to","start":34.989998,"end":35.19,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32842135429382324},{"word":"run","start":35.19,"end":35.39,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.2814588248729706},{"word":"by","start":35.39,"end":35.55,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2558746635913849},{"word":"you","start":35.55,"end":35.79,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35418686270713806},{"word":"as","start":35.79,"end":35.949997,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3636629283428192},{"word":"well","start":35.949997,"end":36.35,"confidence":0.9433594,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.3337153196334839},{"word":"and","start":36.35,"end":36.51,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3291532099246979},{"word":"then","start":36.51,"end":37.01,"confidence":0.99902344,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.36628279089927673},{"word":"i'm","start":37.23,"end":37.469997,"confidence":0.99194336,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5697948336601257},{"word":"pretty","start":37.469997,"end":37.71,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5952590107917786},{"word":"well","start":37.71,"end":38.03,"confidence":0.9819336,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5758776068687439},{"word":"good","start":38.03,"end":38.19,"confidence":0.9921875,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6100641489028931},{"word":"to","start":38.19,"end":38.35,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7065638899803162},{"word":"have","start":38.35,"end":38.59,"confidence":0.9970703,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7280533313751221},{"word":"your","start":38.59,"end":39.09,"confidence":0.9863281,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6749140620231628},{"word":"plan","start":39.309998,"end":39.809998,"confidence":0.70410156,"punctuated_word":"plan","sentiment":"positive","sentiment_score":0.5953351855278015},{"word":"finalized","start":39.949997,"end":40.449997,"confidence":0.9863281,"punctuated_word":"finalized","sentiment":"positive","sentiment_score":0.6043298244476318},{"word":"for","start":40.51,"end":40.67,"confidence":0.9580078,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3132902681827545},{"word":"next","start":40.67,"end":40.905,"confidence":0.5839844,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.2749708890914917},{"word":"week","start":43.065,"end":43.225,"confidence":1.0,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.188641756772995},{"word":"now","start":43.225,"end":43.625,"confidence":0.9951172,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07917765527963638},{"word":"just","start":43.625,"end":43.864998,"confidence":0.95947266,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06407996267080307},{"word":"as","start":43.864998,"end":44.024998,"confidence":0.95410156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05322088301181793},{"word":"a","start":44.024998,"end":44.184998,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06643332540988922},{"word":"quick","start":44.184998,"end":44.504997,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.06797052919864655},{"word":"little","start":44.504997,"end":44.745,"confidence":0.9892578,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07156991958618164},{"word":"recap","start":44.745,"end":45.245,"confidence":0.95703125,"punctuated_word":"recap,","sentiment":"neutral","sentiment_score":0.06812693178653717},{"word":"what","start":46.024998,"end":46.344997,"confidence":0.8774414,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06736129522323608},{"word":"we've","start":46.344997,"end":46.585,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.06597664207220078},{"word":"been","start":46.585,"end":46.824997,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.05458614602684975},{"word":"doing","start":46.824997,"end":47.065,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.053808942437171936},{"word":"in","start":47.065,"end":47.144997,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05355934053659439},{"word":"the","start":47.144997,"end":47.305,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05872752517461777},{"word":"background","start":47.305,"end":47.785,"confidence":0.7805176,"punctuated_word":"background.","sentiment":"neutral","sentiment_score":0.056049346923828125},{"word":"so","start":47.785,"end":48.285,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05984160304069519},{"word":"we","start":48.824997,"end":49.065,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0592382438480854},{"word":"were","start":49.065,"end":49.225,"confidence":0.9921875,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.05601389706134796},{"word":"talking","start":49.225,"end":49.545,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.054627787321805954},{"word":"about","start":49.545,"end":49.785,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06022190675139427},{"word":"updating","start":49.785,"end":50.285,"confidence":1.0,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.08769217133522034},{"word":"the","start":50.344997,"end":50.665,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0885544940829277},{"word":"portfolio","start":50.665,"end":51.165,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.05894740670919418},{"word":"for","start":51.625,"end":51.785,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0637740045785904},{"word":"the","start":51.785,"end":52.024998,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06091267615556717},{"word":"server","start":52.024998,"end":52.524998,"confidence":0.6427002,"punctuated_word":"server,","sentiment":"neutral","sentiment_score":0.04325242340564728},{"word":"possibly","start":53.464996,"end":53.864998,"confidence":0.9863281,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.06837023049592972},{"word":"moving","start":53.864998,"end":54.184998,"confidence":0.9838867,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.14364302158355713},{"word":"some","start":54.184998,"end":54.425,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0866309180855751},{"word":"funds","start":54.425,"end":54.745,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.09482569992542268},{"word":"between","start":54.745,"end":55.144997,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.08268114924430847},{"word":"the","start":55.144997,"end":55.385,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09387998282909392},{"word":"accounts","start":55.385,"end":55.864998,"confidence":0.9309082,"punctuated_word":"accounts.","sentiment":"neutral","sentiment_score":0.07650796324014664},{"word":"so","start":55.864998,"end":56.364998,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15566386282444},{"word":"i've","start":56.4,"end":56.640003,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1607711911201477},{"word":"got","start":56.640003,"end":56.800003,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.17590129375457764},{"word":"all","start":56.800003,"end":56.88,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.16708528995513916},{"word":"the","start":56.88,"end":57.120003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17847940325737},{"word":"updated","start":57.120003,"end":57.600002,"confidence":0.99121094,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.16132554411888125},{"word":"portfolio","start":57.600002,"end":58.100002,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.14374499022960663},{"word":"comparisons","start":58.56,"end":59.06,"confidence":0.99316406,"punctuated_word":"comparisons","sentiment":"neutral","sentiment_score":0.1969413459300995},{"word":"done","start":59.120003,"end":59.620003,"confidence":0.95996094,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.1549687534570694},{"word":"looks","start":59.68,"end":59.920002,"confidence":0.9248047,"punctuated_word":"Looks","sentiment":"positive","sentiment_score":0.5797515511512756},{"word":"very","start":59.920002,"end":60.16,"confidence":0.9812012,"punctuated_word":"very,","sentiment":"positive","sentiment_score":0.5239659547805786},{"word":"very","start":60.16,"end":60.4,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.4866449534893036},{"word":"good","start":60.4,"end":60.9,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4003126621246338},{"word":"we","start":62.32,"end":62.56,"confidence":0.87353516,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.05659141391515732},{"word":"weren't","start":62.56,"end":62.800003,"confidence":0.99658203,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":-0.06890925019979477},{"word":"really","start":62.800003,"end":62.960003,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.092424638569355},{"word":"doing","start":62.960003,"end":63.2,"confidence":0.9980469,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.13020718097686768},{"word":"anything","start":63.2,"end":63.600002,"confidence":0.9980469,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.1524616777896881},{"word":"estate","start":63.600002,"end":63.920002,"confidence":0.83740234,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.1815361529588699},{"word":"planning","start":63.920002,"end":64.4,"confidence":0.9970703,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":-0.10414668917655943},{"word":"wise","start":64.4,"end":64.9,"confidence":0.99902344,"punctuated_word":"wise.","sentiment":"neutral","sentiment_score":-0.14829541742801666},{"word":"we","start":65.520004,"end":66.0,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.05200029909610748},{"word":"have","start":66.0,"end":66.16,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02311231940984726},{"word":"been","start":66.16,"end":66.4,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.04368862137198448},{"word":"investigating","start":66.4,"end":66.9,"confidence":0.9892578,"punctuated_word":"investigating","sentiment":"neutral","sentiment_score":0.0010896176099777222},{"word":"the","start":67.04,"end":67.28,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03755076229572296},{"word":"insurances","start":67.28,"end":67.78,"confidence":0.9995117,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.022495988756418228},{"word":"and","start":68.08,"end":68.32,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.052779920399188995},{"word":"researching","start":68.32,"end":68.82,"confidence":0.9980469,"punctuated_word":"researching","sentiment":"neutral","sentiment_score":-0.011661194264888763},{"word":"caresuper","start":69.12,"end":69.62,"confidence":0.75878906,"punctuated_word":"CareSuper","sentiment":"neutral","sentiment_score":0.02061024308204651},{"word":"and","start":69.840004,"end":70.275,"confidence":0.7705078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02482079714536667},{"word":"australiansuper","start":70.435005,"end":70.935005,"confidence":0.92456055,"punctuated_word":"AustralianSuper","sentiment":"neutral","sentiment_score":0.04325526580214501},{"word":"just","start":70.995,"end":71.235,"confidence":0.9658203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0033252686262130737},{"word":"to","start":71.235,"end":71.315,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01266162097454071},{"word":"try","start":71.315,"end":71.475,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.021382443606853485},{"word":"and","start":71.475,"end":71.555,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.039668969810009},{"word":"keep","start":71.555,"end":71.795,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.02266041934490204},{"word":"those","start":71.795,"end":71.955,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.037398405373096466},{"word":"going","start":71.955,"end":72.275,"confidence":0.99316406,"punctuated_word":"going.","sentiment":"neutral","sentiment_score":-0.013467509299516678},{"word":"does","start":72.275,"end":72.435,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.001974448561668396},{"word":"that","start":72.435,"end":72.595,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0014962255954742432},{"word":"ring","start":72.595,"end":72.715,"confidence":1.0,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.011596493422985075},{"word":"a","start":72.715,"end":72.835,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008142858743667603},{"word":"bell","start":72.835,"end":73.335,"confidence":1.0,"punctuated_word":"bell?","sentiment":"neutral","sentiment_score":0.0053816381841897964},{"word":"now","start":74.835,"end":75.075005,"confidence":0.99609375,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.00807817280292511},{"word":"one","start":75.075005,"end":75.235,"confidence":0.98291016,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.017505228519439697},{"word":"of","start":75.235,"end":75.315,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0229644738137722},{"word":"the","start":75.315,"end":75.395004,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034283705055713654},{"word":"things","start":75.395004,"end":75.715004,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.03475569561123848},{"word":"too","start":75.715004,"end":76.035,"confidence":0.6801758,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.014745920896530151},{"word":"that","start":76.035,"end":76.275,"confidence":0.8676758,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.016785725951194763},{"word":"we","start":76.275,"end":76.355,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.025252390652894977},{"word":"talked","start":76.355,"end":76.595,"confidence":0.99609375,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.03613409399986267},{"word":"about","start":76.595,"end":76.995,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03889840096235275},{"word":"was","start":76.995,"end":77.495,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.022683851420879364},{"word":"income","start":77.795,"end":78.195,"confidence":0.90283203,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0067863911390304565},{"word":"protection","start":78.195,"end":78.695,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.0033909566700458527},{"word":"for","start":79.235,"end":79.555,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.005279403179883957},{"word":"the","start":79.555,"end":79.955,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003647491335868835},{"word":"the","start":79.955,"end":80.115005,"confidence":0.94970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00046167150139808655},{"word":"train","start":80.115005,"end":80.435,"confidence":0.9326172,"punctuated_word":"train","sentiment":"neutral","sentiment_score":0.0018951669335365295},{"word":"driving","start":80.435,"end":80.835,"confidence":0.9970703,"punctuated_word":"driving","sentiment":"neutral","sentiment_score":-0.0020766928791999817},{"word":"occupation","start":80.835,"end":81.335,"confidence":0.99560547,"punctuated_word":"occupation.","sentiment":"neutral","sentiment_score":0.01773591712117195},{"word":"now","start":82.035,"end":82.535,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.03377678245306015},{"word":"there","start":83.155,"end":83.395004,"confidence":0.98535156,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04534494876861572},{"word":"is","start":83.395004,"end":83.635,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04819834232330322},{"word":"a","start":83.635,"end":83.715004,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0626290887594223},{"word":"couple","start":83.715004,"end":83.955,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.041496846824884415},{"word":"of","start":83.955,"end":84.035,"confidence":0.9658203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.040098004043102264},{"word":"providers","start":84.035,"end":84.435,"confidence":1.0,"punctuated_word":"providers","sentiment":"neutral","sentiment_score":0.025005046278238297},{"word":"that","start":84.435,"end":84.595,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0656997561454773},{"word":"we've","start":84.595,"end":84.835,"confidence":0.7885742,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.08722668886184692},{"word":"found","start":84.835,"end":85.155,"confidence":1.0,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.09397977590560912},{"word":"that","start":85.155,"end":85.47,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0748424232006073},{"word":"they","start":86.270004,"end":86.51,"confidence":0.96972656,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0723315179347992},{"word":"ensure","start":86.51,"end":86.91,"confidence":0.7336426,"punctuated_word":"ensure,","sentiment":"neutral","sentiment_score":0.04292616248130798},{"word":"like","start":86.91,"end":87.15,"confidence":0.98339844,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03999979794025421},{"word":"firefighters","start":87.15,"end":87.65,"confidence":0.8347168,"punctuated_word":"firefighters,","sentiment":"neutral","sentiment_score":0.03343043848872185},{"word":"and","start":89.07,"end":89.47,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0606081523001194},{"word":"that's","start":89.47,"end":89.79,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.058139897882938385},{"word":"one","start":89.79,"end":89.950005,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.027006424963474274},{"word":"of","start":89.950005,"end":90.11,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0418027900159359},{"word":"the","start":90.11,"end":90.270004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05942777171730995},{"word":"kind","start":90.270004,"end":90.51,"confidence":0.9790039,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03739655762910843},{"word":"of","start":90.51,"end":90.67,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04989547282457352},{"word":"top","start":90.67,"end":90.99,"confidence":0.9980469,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.06455464661121368},{"word":"three","start":90.99,"end":91.49,"confidence":0.76831055,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":0.05633583664894104},{"word":"basically","start":92.11,"end":92.590004,"confidence":0.8078613,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.048747822642326355},{"word":"trained","start":92.590004,"end":92.91,"confidence":0.6772461,"punctuated_word":"trained","sentiment":"neutral","sentiment_score":0.04012605920433998},{"word":"drivers","start":92.91,"end":93.41,"confidence":0.88793945,"punctuated_word":"drivers,","sentiment":"neutral","sentiment_score":0.03582005947828293},{"word":"firefighters","start":94.11,"end":94.61,"confidence":0.9157715,"punctuated_word":"firefighters,","sentiment":"neutral","sentiment_score":0.03113626688718796},{"word":"and","start":94.83,"end":94.99,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05858993157744408},{"word":"pilots","start":94.99,"end":95.39,"confidence":0.94628906,"punctuated_word":"pilots","sentiment":"neutral","sentiment_score":0.02354908175766468},{"word":"are","start":95.39,"end":95.55,"confidence":0.6269531,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06076345592737198},{"word":"the","start":95.55,"end":95.87,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03817513585090637},{"word":"top","start":95.87,"end":96.19,"confidence":0.9951172,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.05560334399342537},{"word":"three","start":96.19,"end":96.69,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.057979363948106766},{"word":"in","start":96.75,"end":96.99,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03081712126731873},{"word":"that","start":96.99,"end":97.23,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04727895185351372},{"word":"single","start":97.23,"end":97.71,"confidence":1.0,"punctuated_word":"single","sentiment":"neutral","sentiment_score":0.02322198450565338},{"word":"category","start":97.71,"end":98.11,"confidence":1.0,"punctuated_word":"category","sentiment":"neutral","sentiment_score":-0.001990504562854767},{"word":"that","start":98.11,"end":98.35,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.010293543338775637},{"word":"tend","start":98.35,"end":98.590004,"confidence":0.99609375,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.005798086524009705},{"word":"to","start":98.590004,"end":98.67,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007398203015327454},{"word":"get","start":98.67,"end":98.91,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.004242822527885437},{"word":"restricted","start":98.91,"end":99.41,"confidence":0.9904785,"punctuated_word":"restricted.","sentiment":"neutral","sentiment_score":0.007616594433784485},{"word":"so","start":99.965,"end":100.465,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.071973517537117},{"word":"i'm","start":100.604996,"end":100.924995,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08611646294593811},{"word":"just","start":100.924995,"end":101.16499,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09316866844892502},{"word":"waiting","start":101.16499,"end":101.48499,"confidence":0.83984375,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.09507300704717636},{"word":"to","start":101.48499,"end":101.564995,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06699057668447495},{"word":"hear","start":101.564995,"end":101.725,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.0371965616941452},{"word":"back","start":101.725,"end":101.965,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.05871057137846947},{"word":"from","start":101.965,"end":102.125,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.06424365192651749},{"word":"them","start":102.125,"end":102.284996,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.08855408430099487},{"word":"to","start":102.284996,"end":102.445,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08420342952013016},{"word":"see","start":102.445,"end":102.685,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.08535470813512802},{"word":"if","start":102.685,"end":102.84499,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08903498947620392},{"word":"they","start":102.84499,"end":103.005,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.10609062761068344},{"word":"will","start":103.005,"end":103.405,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12865710258483887},{"word":"offer","start":103.405,"end":103.80499,"confidence":1.0,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":0.09076310694217682},{"word":"income","start":103.80499,"end":104.125,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.10632524639368056},{"word":"protection","start":104.125,"end":104.625,"confidence":0.79345703,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.09362519532442092},{"word":"and","start":106.445,"end":106.685,"confidence":0.9526367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17313843965530396},{"word":"that","start":106.685,"end":106.84499,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14811602234840393},{"word":"should","start":106.84499,"end":107.085,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.16570253670215607},{"word":"come","start":107.085,"end":107.16499,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.1687135398387909},{"word":"back","start":107.16499,"end":107.325,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.10535059869289398},{"word":"through","start":107.325,"end":107.48499,"confidence":0.984375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08859218657016754},{"word":"in","start":107.48499,"end":107.645,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12471075356006622},{"word":"the","start":107.645,"end":107.725,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12303511053323746},{"word":"next","start":107.725,"end":107.965,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.09751980006694794},{"word":"couple","start":107.965,"end":108.204994,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.07990598678588867},{"word":"of","start":108.204994,"end":108.284996,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0917123407125473},{"word":"days","start":108.284996,"end":108.524994,"confidence":0.9108887,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.08128225803375244},{"word":"probably","start":108.524994,"end":108.924995,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.07432734221220016},{"word":"tomorrow","start":108.924995,"end":109.325,"confidence":0.99121094,"punctuated_word":"tomorrow","sentiment":"neutral","sentiment_score":0.07652175426483154},{"word":"or","start":109.325,"end":109.485,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07730001211166382},{"word":"monday","start":109.485,"end":109.884995,"confidence":1.0,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":0.05494840070605278},{"word":"as","start":109.884995,"end":110.045,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07920399308204651},{"word":"well","start":110.045,"end":110.545,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.061921462416648865},{"word":"now","start":113.645,"end":113.965,"confidence":0.99121094,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.07028859853744507},{"word":"the","start":113.965,"end":114.125,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11323818564414978},{"word":"other","start":114.125,"end":114.45,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.14429166913032532},{"word":"yeah","start":117.649994,"end":118.049995,"confidence":0.97143555,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.051804669201374054},{"word":"no","start":118.049995,"end":118.28999,"confidence":0.9941406,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0714268833398819},{"word":"it's","start":118.28999,"end":118.45,"confidence":0.9975586,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1537468135356903},{"word":"just","start":118.45,"end":118.689995,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1969420611858368},{"word":"one","start":118.689995,"end":118.77,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.13296480476856232},{"word":"of","start":118.77,"end":118.85,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09376834332942964},{"word":"the","start":118.85,"end":118.93,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1444982886314392},{"word":"things","start":118.93,"end":119.25,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.13029566407203674},{"word":"where","start":119.25,"end":119.75,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.10987164825201036},{"word":"those","start":120.45,"end":120.85,"confidence":0.9140625,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.15250852704048157},{"word":"three","start":120.85,"end":121.17,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.1795145869255066},{"word":"occupations","start":121.17,"end":121.67,"confidence":1.0,"punctuated_word":"occupations","sentiment":"neutral","sentiment_score":-0.18826481699943545},{"word":"are","start":121.81,"end":121.96999,"confidence":0.9941406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.13515056669712067},{"word":"normally","start":121.96999,"end":122.369995,"confidence":1.0,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":-0.11947819590568542},{"word":"covered","start":122.369995,"end":122.869995,"confidence":1.0,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":-0.08850191533565521},{"word":"through","start":123.57,"end":124.07,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.13670934736728668},{"word":"the","start":124.21,"end":124.45,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.150150328874588},{"word":"employer","start":124.45,"end":124.92999,"confidence":0.9921875,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":-0.20956601202487943},{"word":"themselves","start":124.92999,"end":125.42999,"confidence":0.8898926,"punctuated_word":"themselves,","sentiment":"neutral","sentiment_score":-0.1515486091375351},{"word":"and","start":125.649994,"end":125.96999,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1449238359928131},{"word":"they","start":125.96999,"end":126.13,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2133396714925766},{"word":"do","start":126.13,"end":126.45,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.13454949855804443},{"word":"consider","start":126.45,"end":126.95,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.26690176129341125},{"word":"they","start":127.409996,"end":127.649994,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.219231978058815},{"word":"do","start":127.649994,"end":127.81,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.18495504558086395},{"word":"actually","start":127.81,"end":128.12999,"confidence":0.9892578,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.2210405319929123},{"word":"consider","start":128.12999,"end":128.53,"confidence":0.99902344,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.3303934931755066},{"word":"those","start":128.53,"end":128.76999,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.2595236003398895},{"word":"three","start":128.76999,"end":128.93,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.3150685131549835},{"word":"to","start":128.93,"end":129.09,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.39238864183425903},{"word":"be","start":129.09,"end":129.25,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3562518060207367},{"word":"high","start":129.25,"end":129.48999,"confidence":1.0,"punctuated_word":"high","sentiment":"negative","sentiment_score":-0.3436853289604187},{"word":"risk","start":129.48999,"end":129.855,"confidence":0.8688965,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.27494868636131287},{"word":"but","start":130.095,"end":130.33499,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.14470800757408142},{"word":"most","start":130.33499,"end":130.735,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.1614205837249756},{"word":"of","start":130.735,"end":130.815,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2585720419883728},{"word":"them","start":130.815,"end":131.055,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.264206200838089},{"word":"are","start":131.055,"end":131.555,"confidence":0.8491211,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1762373149394989},{"word":"they","start":131.69499,"end":131.855,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.23218372464179993},{"word":"tend","start":131.855,"end":132.095,"confidence":1.0,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.13439111411571503},{"word":"to","start":132.095,"end":132.25499,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1367311179637909},{"word":"be","start":132.25499,"end":132.415,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15192919969558716},{"word":"covered","start":132.415,"end":132.655,"confidence":1.0,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":-0.14642371237277985},{"word":"through","start":132.655,"end":132.97499,"confidence":0.9909668,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":-0.16816750168800354},{"word":"you","start":132.97499,"end":133.055,"confidence":0.97314453,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17234903573989868},{"word":"know","start":133.055,"end":133.295,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.15494413673877716},{"word":"like","start":133.295,"end":133.53499,"confidence":0.8339844,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.16403646767139435},{"word":"public","start":133.53499,"end":133.935,"confidence":0.99902344,"punctuated_word":"public","sentiment":"neutral","sentiment_score":-0.11516452580690384},{"word":"sector","start":133.935,"end":134.435,"confidence":1.0,"punctuated_word":"sector","sentiment":"neutral","sentiment_score":-0.1168978586792946},{"word":"employment","start":134.575,"end":135.075,"confidence":0.9658203,"punctuated_word":"employment","sentiment":"neutral","sentiment_score":-0.11343833059072496},{"word":"bargaining","start":135.215,"end":135.69499,"confidence":0.61328125,"punctuated_word":"bargaining","sentiment":"neutral","sentiment_score":-0.2171911597251892},{"word":"agreements","start":135.69499,"end":136.015,"confidence":0.9980469,"punctuated_word":"agreements","sentiment":"neutral","sentiment_score":-0.1860624402761459},{"word":"and","start":136.015,"end":136.25499,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1927209496498108},{"word":"things","start":136.25499,"end":136.495,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.16650177538394928},{"word":"like","start":136.495,"end":136.735,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.16746923327445984},{"word":"that","start":136.735,"end":137.215,"confidence":0.90405273,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.16049592196941376},{"word":"so","start":137.215,"end":137.455,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07434242963790894},{"word":"it's","start":137.455,"end":137.69499,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.10505688190460204},{"word":"not","start":137.69499,"end":137.935,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.173094242811203},{"word":"an","start":137.935,"end":138.095,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.16810724139213562},{"word":"area","start":138.095,"end":138.415,"confidence":1.0,"punctuated_word":"area","sentiment":"neutral","sentiment_score":-0.17915679514408112},{"word":"that's","start":138.415,"end":138.735,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.244497150182724},{"word":"pretty","start":138.735,"end":138.97499,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.23594903945922852},{"word":"common","start":138.97499,"end":139.375,"confidence":1.0,"punctuated_word":"common","sentiment":"neutral","sentiment_score":-0.19553512334823608},{"word":"to","start":139.375,"end":139.455,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1932305693626404},{"word":"get","start":139.455,"end":139.69499,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.18446043133735657},{"word":"cover","start":139.69499,"end":140.015,"confidence":0.97265625,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.12839986383914948},{"word":"for","start":140.015,"end":140.515,"confidence":0.9946289,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":-0.14305096864700317},{"word":"same","start":142.17499,"end":142.415,"confidence":0.9921875,"punctuated_word":"Same","sentiment":"neutral","sentiment_score":0.04293707758188248},{"word":"thing","start":142.415,"end":142.575,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.04296443611383438},{"word":"with","start":142.575,"end":142.735,"confidence":0.96850586,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.02719227597117424},{"word":"like","start":142.735,"end":142.89499,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.028485551476478577},{"word":"qantas","start":142.89499,"end":143.375,"confidence":0.9895833,"punctuated_word":"Qantas","sentiment":"neutral","sentiment_score":-0.03315027058124542},{"word":"pilots","start":143.375,"end":143.875,"confidence":0.9116211,"punctuated_word":"pilots.","sentiment":"neutral","sentiment_score":-0.024446282535791397},{"word":"qantas","start":144.0,"end":144.4,"confidence":1.0,"punctuated_word":"Qantas","sentiment":"neutral","sentiment_score":-0.07591534405946732},{"word":"has","start":144.4,"end":144.48,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.06268995255231857},{"word":"their","start":144.48,"end":144.72,"confidence":0.99609375,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.07917116582393646},{"word":"own","start":144.72,"end":144.96,"confidence":0.9812012,"punctuated_word":"own,","sentiment":"neutral","sentiment_score":-0.051196176558732986},{"word":"like","start":144.96,"end":145.28,"confidence":0.99609375,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.02709093689918518},{"word":"income","start":145.28,"end":145.6,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.04758507013320923},{"word":"protection","start":145.6,"end":145.92,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.048600614070892334},{"word":"and","start":145.92,"end":146.08,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05861935764551163},{"word":"things","start":146.08,"end":146.4,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.06909270584583282},{"word":"like","start":146.4,"end":146.56,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06443561613559723},{"word":"that","start":146.56,"end":147.06,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.040069662034511566},{"word":"there","start":147.76,"end":148.0,"confidence":0.83447266,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.08094717562198639},{"word":"was","start":148.0,"end":148.16,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.08709776401519775},{"word":"only","start":148.16,"end":148.4,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.09061791747808456},{"word":"ever","start":148.4,"end":148.56,"confidence":0.9941406,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.06282350420951843},{"word":"one","start":148.56,"end":148.8,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.08874881267547607},{"word":"insurer","start":148.8,"end":149.2,"confidence":0.98095703,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":-0.1297746300697327},{"word":"that","start":149.2,"end":149.36,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08425889164209366},{"word":"would","start":149.36,"end":149.52,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08803577721118927},{"word":"ever","start":149.52,"end":149.76,"confidence":0.97509766,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.07243368029594421},{"word":"look","start":149.76,"end":150.0,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.08270026743412018},{"word":"at","start":150.0,"end":150.08,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09946344792842864},{"word":"those","start":150.08,"end":150.32,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.07597145438194275},{"word":"guys","start":150.32,"end":150.82,"confidence":0.9995117,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":-0.06880193948745728},{"word":"now","start":152.56,"end":152.88,"confidence":0.9951172,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.03493300452828407},{"word":"the","start":152.88,"end":153.04,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06714741140604019},{"word":"other","start":153.04,"end":153.28,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.1310407817363739},{"word":"thing","start":153.28,"end":153.44,"confidence":0.9970703,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.12598249316215515},{"word":"too","start":153.44,"end":153.68,"confidence":0.92578125,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.12176939100027084},{"word":"surprise","start":154.8,"end":155.2,"confidence":0.7368164,"punctuated_word":"surprise.","sentiment":"neutral","sentiment_score":-0.15709424018859863},{"word":"sorry","start":155.2,"end":155.7,"confidence":0.81396484,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.15909425914287567},{"word":"yeah","start":161.135,"end":161.635,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08910146355628967},{"word":"how","start":163.055,"end":163.295,"confidence":0.9448242,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.1213308647274971},{"word":"many","start":163.295,"end":163.615,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.10049211233854294},{"word":"trains","start":163.615,"end":164.095,"confidence":0.99902344,"punctuated_word":"trains","sentiment":"neutral","sentiment_score":-0.2468186616897583},{"word":"crash","start":164.095,"end":164.575,"confidence":0.9128418,"punctuated_word":"crash?","sentiment":"neutral","sentiment_score":-0.157607764005661},{"word":"how","start":164.575,"end":164.735,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.12060576677322388},{"word":"many","start":164.735,"end":164.895,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.10679160803556442},{"word":"qantas","start":164.895,"end":165.395,"confidence":0.773112,"punctuated_word":"Qantas","sentiment":"neutral","sentiment_score":-0.19946527481079104},{"word":"planes","start":165.455,"end":165.855,"confidence":0.8330078,"punctuated_word":"planes","sentiment":"neutral","sentiment_score":-0.20474408566951752},{"word":"crash","start":165.855,"end":166.355,"confidence":0.9902344,"punctuated_word":"crash?","sentiment":"neutral","sentiment_score":-0.2205016613006592},{"word":"i","start":166.495,"end":166.655,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22636540234088895},{"word":"think","start":166.655,"end":166.895,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.2062288522720337},{"word":"and","start":167.215,"end":167.455,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.20503509044647217},{"word":"correct","start":167.455,"end":167.69499,"confidence":0.99902344,"punctuated_word":"correct","sentiment":"negative","sentiment_score":-0.35208550095558167},{"word":"me","start":167.69499,"end":167.855,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.24558737874031067},{"word":"if","start":167.855,"end":168.015,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.29314878582954407},{"word":"i'm","start":168.015,"end":168.095,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.28392112255096436},{"word":"wrong","start":168.095,"end":168.33499,"confidence":1.0,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.25847578048706055},{"word":"too","start":168.33499,"end":168.83499,"confidence":0.8195801,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":-0.22577187418937683},{"word":"part","start":169.0,"end":169.23999,"confidence":0.9980469,"punctuated_word":"Part","sentiment":"neutral","sentiment_score":-0.17296606302261353},{"word":"of","start":169.23999,"end":169.31999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1844363659620285},{"word":"the","start":169.31999,"end":169.48,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19731956720352173},{"word":"risk","start":169.48,"end":169.8,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.2822101414203644},{"word":"analysis","start":169.8,"end":170.28,"confidence":1.0,"punctuated_word":"analysis","sentiment":"neutral","sentiment_score":-0.2663934528827667},{"word":"that","start":170.28,"end":170.44,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15511342883110046},{"word":"the","start":170.44,"end":170.59999,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17687489092350006},{"word":"insurers","start":170.59999,"end":171.08,"confidence":0.9873047,"punctuated_word":"insurers","sentiment":"neutral","sentiment_score":-0.2191847711801529},{"word":"do","start":171.08,"end":171.31999,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1265747845172882},{"word":"is","start":171.31999,"end":171.56,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.13774102926254272},{"word":"around","start":171.56,"end":172.06,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.13001704216003418},{"word":"body","start":173.4,"end":173.87999,"confidence":0.90478516,"punctuated_word":"body","sentiment":"neutral","sentiment_score":-0.2376840114593506},{"word":"function","start":173.87999,"end":174.37999,"confidence":0.99902344,"punctuated_word":"function","sentiment":"neutral","sentiment_score":-0.21091552078723907},{"word":"leading","start":174.51999,"end":174.92,"confidence":0.9902344,"punctuated_word":"leading","sentiment":"neutral","sentiment_score":-0.1644010841846466},{"word":"to","start":174.92,"end":175.42,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13204140961170197},{"word":"doing","start":175.64,"end":175.95999,"confidence":0.9951172,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.2041944265365601},{"word":"the","start":175.95999,"end":176.12,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1693824976682663},{"word":"role","start":176.12,"end":176.62,"confidence":0.9758301,"punctuated_word":"role.","sentiment":"neutral","sentiment_score":-0.19418781995773315},{"word":"so","start":176.76,"end":177.26,"confidence":0.9091797,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.15963397920131683},{"word":"you","start":177.56,"end":177.72,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19819244742393496},{"word":"know","start":177.72,"end":177.95999,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.20971077680587769},{"word":"the","start":177.95999,"end":178.12,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2559693455696106},{"word":"old","start":178.12,"end":178.36,"confidence":1.0,"punctuated_word":"old","sentiment":"negative","sentiment_score":-0.33684617280960083},{"word":"tradie","start":178.36,"end":178.68,"confidence":0.8623047,"punctuated_word":"tradie","sentiment":"negative","sentiment_score":-0.3480021357536316},{"word":"there","start":178.68,"end":178.92,"confidence":0.99121094,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.2555791139602661},{"word":"who's","start":178.92,"end":179.16,"confidence":0.98657227,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":-0.26420825719833374},{"word":"using","start":179.16,"end":179.4,"confidence":1.0,"punctuated_word":"using","sentiment":"neutral","sentiment_score":-0.3097492456436157},{"word":"his","start":179.4,"end":179.64,"confidence":0.9970703,"punctuated_word":"his","sentiment":"negative","sentiment_score":-0.3497316539287567},{"word":"fingers","start":179.64,"end":179.95999,"confidence":0.99902344,"punctuated_word":"fingers","sentiment":"neutral","sentiment_score":-0.2652907371520996},{"word":"or","start":179.95999,"end":180.2,"confidence":0.9707031,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.33531320095062256},{"word":"the","start":180.2,"end":180.28,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3789955973625183},{"word":"surgeon","start":180.28,"end":180.78,"confidence":1.0,"punctuated_word":"surgeon","sentiment":"neutral","sentiment_score":-0.32033538818359375},{"word":"tends","start":181.31999,"end":181.725,"confidence":0.984375,"punctuated_word":"tends","sentiment":"negative","sentiment_score":-0.3347335159778595},{"word":"to","start":181.96501,"end":182.205,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3874218463897705},{"word":"have","start":182.205,"end":182.365,"confidence":0.99902344,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.4663393199443817},{"word":"a","start":182.365,"end":182.445,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.42353957891464233},{"word":"lot","start":182.445,"end":182.68501,"confidence":0.9838867,"punctuated_word":"lot","sentiment":"negative","sentiment_score":-0.4260379076004028},{"word":"of","start":182.68501,"end":182.765,"confidence":0.99121094,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4813781976699829},{"word":"difficulty","start":182.765,"end":183.085,"confidence":0.9980469,"punctuated_word":"difficulty","sentiment":"negative","sentiment_score":-0.4954489767551422},{"word":"even","start":183.085,"end":183.32501,"confidence":0.9550781,"punctuated_word":"even","sentiment":"negative","sentiment_score":-0.33949294686317444},{"word":"if","start":183.32501,"end":183.485,"confidence":1.0,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.3717004954814911},{"word":"their","start":183.485,"end":183.645,"confidence":0.68652344,"punctuated_word":"their","sentiment":"negative","sentiment_score":-0.4057305157184601},{"word":"finger's","start":183.645,"end":183.96501,"confidence":0.75439453,"punctuated_word":"finger's","sentiment":"negative","sentiment_score":-0.3849085569381714},{"word":"broken","start":183.96501,"end":184.46501,"confidence":0.8342285,"punctuated_word":"broken,","sentiment":"neutral","sentiment_score":-0.26946109533309937},{"word":"that","start":185.16501,"end":185.405,"confidence":0.6166992,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2041921466588974},{"word":"kind","start":185.405,"end":185.565,"confidence":0.9550781,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.18269646167755127},{"word":"of","start":185.565,"end":185.725,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1980796456336975},{"word":"thing","start":185.725,"end":186.225,"confidence":0.9946289,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.1711445152759552},{"word":"i'm","start":186.365,"end":186.52501,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.20216432213783264},{"word":"not","start":186.52501,"end":186.68501,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2645101547241211},{"word":"sure","start":186.68501,"end":187.005,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.2792026698589325},{"word":"what","start":187.005,"end":187.405,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.295716792345047},{"word":"what","start":187.405,"end":187.645,"confidence":0.9980469,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.33654263615608215},{"word":"your","start":187.645,"end":187.88501,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.322997510433197},{"word":"job","start":187.88501,"end":188.04501,"confidence":1.0,"punctuated_word":"job","sentiment":"negative","sentiment_score":-0.3627316653728485},{"word":"will","start":188.04501,"end":188.285,"confidence":0.9770508,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.32095545530319214},{"word":"be","start":188.285,"end":188.365,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.31453895568847656},{"word":"like","start":188.365,"end":188.60501,"confidence":0.9902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.24836423993110657},{"word":"with","start":188.60501,"end":188.845,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.28057023882865906},{"word":"with","start":188.845,"end":189.085,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2677895128726959},{"word":"those","start":189.085,"end":189.32501,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.2084878236055374},{"word":"things","start":189.32501,"end":189.485,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.2552635371685028},{"word":"if","start":189.485,"end":189.645,"confidence":0.8017578,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.26722562313079834},{"word":"you","start":189.645,"end":189.80501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2732071280479431},{"word":"had","start":189.80501,"end":189.96501,"confidence":0.73339844,"punctuated_word":"had,","sentiment":"neutral","sentiment_score":-0.2753419280052185},{"word":"like","start":189.96501,"end":190.125,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2421448528766632},{"word":"a","start":190.125,"end":190.205,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23972304165363312},{"word":"broken","start":190.205,"end":190.60501,"confidence":1.0,"punctuated_word":"broken","sentiment":"neutral","sentiment_score":-0.33285006880760193},{"word":"leg","start":190.60501,"end":190.845,"confidence":1.0,"punctuated_word":"leg","sentiment":"negative","sentiment_score":-0.3808110356330872},{"word":"or","start":190.845,"end":191.085,"confidence":0.99121094,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.29269611835479736},{"word":"or","start":191.085,"end":191.24501,"confidence":0.9604492,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.26623979210853577},{"word":"a","start":191.24501,"end":191.32501,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.27866560220718384},{"word":"hand","start":191.32501,"end":191.565,"confidence":0.9243164,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":-0.29137474298477173},{"word":"or","start":191.565,"end":191.725,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.24969567358493805},{"word":"something","start":191.725,"end":191.96501,"confidence":0.8754883,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":-0.2845363914966583},{"word":"would","start":191.96501,"end":192.125,"confidence":0.98828125,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.19655293226242063},{"word":"they","start":192.125,"end":192.285,"confidence":0.9921875,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.213436558842659},{"word":"just","start":192.285,"end":192.52501,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2232668697834015},{"word":"basically","start":192.52501,"end":192.845,"confidence":0.9741211,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.22284288704395297},{"word":"say","start":192.845,"end":193.005,"confidence":0.9951172,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.19849224388599396},{"word":"you're","start":193.005,"end":193.16501,"confidence":0.95336914,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.25052398443222046},{"word":"not","start":193.16501,"end":193.32501,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.29662957787513733},{"word":"allowed","start":193.32501,"end":193.725,"confidence":1.0,"punctuated_word":"allowed","sentiment":"neutral","sentiment_score":-0.3237447440624237},{"word":"to","start":193.725,"end":193.88501,"confidence":0.9980469,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3348904550075531},{"word":"operate","start":193.88501,"end":194.38501,"confidence":1.0,"punctuated_word":"operate","sentiment":"neutral","sentiment_score":-0.2969275116920471},{"word":"or","start":194.60501,"end":194.845,"confidence":0.97509766,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.25414973497390747},{"word":"or","start":194.845,"end":195.005,"confidence":0.96972656,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2607455253601074},{"word":"anything","start":195.005,"end":195.32501,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.2809605300426483},{"word":"like","start":195.32501,"end":195.485,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2805526852607727},{"word":"that","start":195.485,"end":195.78,"confidence":0.9951172,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.22422465682029724},{"word":"yeah","start":218.435,"end":218.935,"confidence":0.9736328,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.020352816209197044},{"word":"yeah","start":219.81,"end":220.31,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03114928118884563},{"word":"yeah","start":233.09,"end":233.48999,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03580779582262039},{"word":"absolutely","start":233.48999,"end":233.98999,"confidence":0.8618164,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.031666968017816544},{"word":"whereas","start":241.305,"end":241.625,"confidence":0.6748047,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":0.13690203428268433},{"word":"i","start":241.625,"end":241.78499,"confidence":0.7661133,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1474343240261078},{"word":"can","start":241.78499,"end":241.94499,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22464168071746823},{"word":"go","start":241.94499,"end":242.105,"confidence":0.9951172,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.15352500975131989},{"word":"in","start":242.105,"end":242.265,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.156308114528656},{"word":"in","start":242.265,"end":242.42499,"confidence":0.8618164,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12625086307525635},{"word":"a","start":242.42499,"end":242.58499,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13495326042175293},{"word":"wheelchair","start":242.58499,"end":242.905,"confidence":0.84936523,"punctuated_word":"wheelchair,","sentiment":"neutral","sentiment_score":0.1551966667175293},{"word":"and","start":242.905,"end":243.065,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15931814908981323},{"word":"i","start":243.065,"end":243.14499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1946512758731842},{"word":"can","start":243.14499,"end":243.305,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20984821021556857},{"word":"still","start":243.305,"end":243.545,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1748046576976776},{"word":"do","start":243.545,"end":243.705,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1202714666724205},{"word":"a","start":243.705,"end":243.78499,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15967324376106262},{"word":"few","start":243.78499,"end":243.94499,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.08178249001502991},{"word":"phone","start":243.94499,"end":244.265,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.064368337392807},{"word":"calls","start":244.265,"end":244.58499,"confidence":0.9875488,"punctuated_word":"calls.","sentiment":"neutral","sentiment_score":0.0635170266032219},{"word":"so","start":244.58499,"end":245.08499,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.005934670567512512},{"word":"yes","start":255.48,"end":255.87999,"confidence":0.8117676,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":-0.02613838016986847},{"word":"even","start":255.87999,"end":256.12,"confidence":0.9394531,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":-0.12749910354614258},{"word":"if","start":256.12,"end":256.19998,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.17887015640735626},{"word":"you'd","start":256.19998,"end":256.36,"confidence":0.99316406,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.15776023268699646},{"word":"be","start":256.36,"end":256.52,"confidence":0.9667969,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15831832587718964},{"word":"able","start":256.52,"end":256.59998,"confidence":0.9980469,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.0799722895026207},{"word":"to","start":256.59998,"end":256.68,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10660864412784576},{"word":"do","start":256.68,"end":256.84,"confidence":0.9863281,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.12214318662881853},{"word":"it","start":256.84,"end":256.91998,"confidence":0.9694824,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.1830541491508484},{"word":"the","start":256.91998,"end":257.08,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.356412798166275},{"word":"employee","start":257.08,"end":257.4,"confidence":0.9291992,"punctuated_word":"employee","sentiment":"neutral","sentiment_score":-0.22951209545135495},{"word":"would","start":257.4,"end":257.56,"confidence":0.96777344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.28705888986587524},{"word":"probably","start":257.56,"end":257.88,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.3307989239692688},{"word":"just","start":257.88,"end":258.04,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2768690288066864},{"word":"put","start":258.04,"end":258.28,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.31193241477012634},{"word":"a","start":258.28,"end":258.44,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23995792865753177},{"word":"put","start":258.44,"end":258.68,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.2267504632472992},{"word":"a","start":258.68,"end":258.76,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.25410881638526917},{"word":"no","start":258.76,"end":258.91998,"confidence":0.9506836,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.2586594223976135},{"word":"on","start":258.91998,"end":259.08,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.24753881990909576},{"word":"that","start":259.08,"end":259.24,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.26589304208755493},{"word":"until","start":259.24,"end":259.56,"confidence":0.99902344,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.2676679491996765},{"word":"you","start":259.56,"end":259.72,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23740467429161072},{"word":"get","start":259.72,"end":259.96,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1949086487293243},{"word":"back","start":259.96,"end":260.12,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.18836593627929688},{"word":"from","start":260.12,"end":260.505,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.26077088713645935},{"word":"sick","start":260.505,"end":260.665,"confidence":1.0,"punctuated_word":"sick","sentiment":"neutral","sentiment_score":-0.25698357820510864},{"word":"leave","start":260.665,"end":260.98502,"confidence":0.99902344,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.2528381943702698},{"word":"or","start":260.98502,"end":261.48502,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1848490834236145},{"word":"something","start":262.125,"end":262.625,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.13399337232112885},{"word":"like","start":263.265,"end":263.765,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.008794795721769333},{"word":"that","start":264.40503,"end":264.90503,"confidence":0.98999023,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.044016458094120026},{"word":"absolutely","start":265.545,"end":266.045,"confidence":0.9946289,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.06407932937145233},{"word":"yeah","start":267.545,"end":268.025,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005415953695774078},{"word":"yeah","start":268.025,"end":268.525,"confidence":0.8864746,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.046314239501953125},{"word":"so","start":268.745,"end":269.245,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.12244778126478197},{"word":"i","start":269.945,"end":270.185,"confidence":0.84228516,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2309693545103073},{"word":"don't","start":270.185,"end":270.505,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.18208466470241547},{"word":"look","start":270.745,"end":271.065,"confidence":0.92089844,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.229376882314682},{"word":"i","start":271.065,"end":271.14502,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.43301922082901},{"word":"don't","start":271.14502,"end":271.385,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.3611993789672851},{"word":"like","start":271.385,"end":271.625,"confidence":1.0,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.397765040397644},{"word":"the","start":271.625,"end":271.70502,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3904322385787964},{"word":"chances","start":271.70502,"end":272.185,"confidence":0.9970703,"punctuated_word":"chances","sentiment":"negative","sentiment_score":-0.4099801480770111},{"word":"too","start":272.185,"end":272.345,"confidence":0.99902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.26645296812057495},{"word":"much","start":272.345,"end":272.665,"confidence":0.94140625,"punctuated_word":"much,","sentiment":"neutral","sentiment_score":-0.2405809909105301},{"word":"but","start":272.665,"end":272.825,"confidence":0.87158203,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.15112310647964478},{"word":"again","start":272.825,"end":273.325,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.17229488492012024},{"word":"there's","start":273.43997,"end":273.59998,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.1717137098312378},{"word":"a","start":273.59998,"end":273.75998,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1249409019947052},{"word":"couple","start":273.75998,"end":274.0,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.12054923921823502},{"word":"that","start":274.0,"end":274.24,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09488967806100844},{"word":"are","start":274.24,"end":274.4,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.11914050579071044},{"word":"possible","start":274.4,"end":274.9,"confidence":0.9213867,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":-0.20668964087963104},{"word":"and","start":275.28,"end":275.68,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1402113437652588},{"word":"what","start":275.68,"end":276.0,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1309235692024231},{"word":"i'll","start":276.0,"end":276.15997,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.1512303650379181},{"word":"come","start":276.15997,"end":276.4,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.0364304780960083},{"word":"back","start":276.4,"end":276.56,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.044233694672584534},{"word":"to","start":276.56,"end":276.71997,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02052365243434906},{"word":"you","start":276.71997,"end":276.8,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027145668864250183},{"word":"with","start":276.8,"end":277.03998,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03114636242389679},{"word":"is","start":277.03998,"end":277.28,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.041760168969631195},{"word":"if","start":277.28,"end":277.43997,"confidence":0.9873047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05318349227309227},{"word":"they","start":277.43997,"end":277.59998,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1219560205936432},{"word":"are","start":277.59998,"end":278.09998,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.10087917745113371},{"word":"gonna","start":278.15997,"end":278.47998,"confidence":0.65283203,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.1083615943789482},{"word":"insure","start":278.47998,"end":278.87997,"confidence":0.5307617,"punctuated_word":"insure","sentiment":"neutral","sentiment_score":-0.1107206493616104},{"word":"it","start":278.87997,"end":279.03998,"confidence":0.94750977,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.07226133346557617},{"word":"if","start":279.03998,"end":279.28,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.10727062076330184},{"word":"they","start":279.28,"end":279.36,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.15495511889457703},{"word":"get","start":279.36,"end":279.52,"confidence":0.59033203,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.09108924120664597},{"word":"to","start":279.52,"end":279.68,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18792927265167236},{"word":"offer","start":279.68,"end":280.0,"confidence":1.0,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":-0.2519574463367462},{"word":"you","start":280.0,"end":280.47998,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.21897774934768677},{"word":"what","start":280.47998,"end":280.71997,"confidence":0.95703125,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.22716069221496585},{"word":"they","start":280.71997,"end":280.87997,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2830004394054413},{"word":"call","start":280.87997,"end":281.12,"confidence":0.7709961,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":-0.2863086462020874},{"word":"like","start":281.12,"end":281.28,"confidence":0.9875488,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.21014416217803955},{"word":"a","start":281.28,"end":281.36,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3148992657661438},{"word":"special","start":281.36,"end":281.84,"confidence":0.99902344,"punctuated_word":"special","sentiment":"neutral","sentiment_score":-0.22853857278823853},{"word":"risk","start":281.84,"end":282.34,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.1758425384759903},{"word":"or","start":282.4,"end":282.71997,"confidence":0.98828125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2656022906303406},{"word":"adl","start":282.71997,"end":283.21997,"confidence":0.89697266,"punctuated_word":"ADL","sentiment":"neutral","sentiment_score":-0.2688908278942108},{"word":"definitions","start":283.36,"end":283.86,"confidence":0.8769531,"punctuated_word":"definitions,","sentiment":"negative","sentiment_score":-0.37022432684898376},{"word":"they're","start":284.4,"end":284.9,"confidence":0.99853516,"punctuated_word":"they're","sentiment":"negative","sentiment_score":-0.5765384435653687},{"word":"very","start":285.19998,"end":285.52,"confidence":0.98657227,"punctuated_word":"very,","sentiment":"negative","sentiment_score":-0.6698702573776245},{"word":"very","start":285.52,"end":285.84,"confidence":0.9980469,"punctuated_word":"very,","sentiment":"negative","sentiment_score":-0.6945857405662537},{"word":"very","start":285.84,"end":286.15997,"confidence":1.0,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.779434084892273},{"word":"restrictive","start":286.15997,"end":286.63998,"confidence":0.99121094,"punctuated_word":"restrictive","sentiment":"negative","sentiment_score":-0.7330660223960876},{"word":"and","start":286.63998,"end":286.8,"confidence":0.9838867,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.7040655612945557},{"word":"and","start":286.8,"end":286.96,"confidence":0.8911133,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.7112786173820496},{"word":"almost","start":286.96,"end":287.36,"confidence":0.99902344,"punctuated_word":"almost","sentiment":"negative","sentiment_score":-0.7570127844810486},{"word":"not","start":287.36,"end":287.52,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.783638060092926},{"word":"worth","start":287.52,"end":287.84,"confidence":0.99902344,"punctuated_word":"worth","sentiment":"negative","sentiment_score":-0.7122355103492737},{"word":"the","start":287.84,"end":288.0,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.741284966468811},{"word":"paper","start":288.0,"end":288.24,"confidence":1.0,"punctuated_word":"paper","sentiment":"negative","sentiment_score":-0.7417174577713013},{"word":"they're","start":288.24,"end":288.47998,"confidence":0.97802734,"punctuated_word":"they're","sentiment":"negative","sentiment_score":-0.6571592688560486},{"word":"written","start":288.47998,"end":288.71997,"confidence":1.0,"punctuated_word":"written","sentiment":"negative","sentiment_score":-0.660059928894043},{"word":"on","start":288.71997,"end":289.065,"confidence":0.99853516,"punctuated_word":"on.","sentiment":"negative","sentiment_score":-0.5396591424942017},{"word":"the","start":290.105,"end":290.265,"confidence":0.9741211,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.08522820472717285},{"word":"one","start":290.265,"end":290.505,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.07704512029886246},{"word":"that","start":290.505,"end":290.665,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007233433425426483},{"word":"you're","start":290.665,"end":290.98502,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0014786472311243417},{"word":"aiming","start":290.98502,"end":291.305,"confidence":1.0,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.05564362183213234},{"word":"for","start":291.305,"end":291.805,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.006858617067337036},{"word":"is","start":292.025,"end":292.265,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.001666538417339325},{"word":"a","start":292.265,"end":292.425,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.019200637936592106},{"word":"similar","start":292.425,"end":292.745,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.029528021812438965},{"word":"definition","start":292.745,"end":293.225,"confidence":1.0,"punctuated_word":"definition","sentiment":"neutral","sentiment_score":-0.12237827479839324},{"word":"to","start":293.225,"end":293.385,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021181315183639526},{"word":"your","start":293.385,"end":293.545,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.11454582959413528},{"word":"tpd","start":293.545,"end":294.045,"confidence":0.98413086,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.07332614064216614},{"word":"cover","start":294.185,"end":294.685,"confidence":0.80908203,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.06487022340297699},{"word":"where","start":294.825,"end":295.145,"confidence":0.45922852,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.007153242826461792},{"word":"it's","start":295.145,"end":295.305,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0389801450073719},{"word":"like","start":295.305,"end":295.545,"confidence":0.7116699,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03531172126531601},{"word":"if","start":295.545,"end":295.785,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07322649657726288},{"word":"you","start":295.785,"end":295.945,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16200408339500427},{"word":"can't","start":295.945,"end":296.185,"confidence":0.9995117,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.12964625656604767},{"word":"work","start":296.185,"end":296.505,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.20372210443019867},{"word":"any","start":296.505,"end":296.745,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.1316905915737152},{"word":"occupation","start":296.745,"end":297.245,"confidence":1.0,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":-0.11919203400611876},{"word":"you're","start":297.305,"end":297.545,"confidence":0.8623047,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.12563836574554443},{"word":"reasonably","start":297.545,"end":298.025,"confidence":1.0,"punctuated_word":"reasonably","sentiment":"neutral","sentiment_score":-0.0035553574562072754},{"word":"suited","start":298.025,"end":298.425,"confidence":1.0,"punctuated_word":"suited","sentiment":"neutral","sentiment_score":-0.049843501299619675},{"word":"to","start":298.425,"end":298.825,"confidence":0.96972656,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.045560989528894424},{"word":"well","start":298.825,"end":298.98502,"confidence":0.9169922,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.01846914365887642},{"word":"then","start":298.98502,"end":299.145,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.047757603228092194},{"word":"you","start":299.145,"end":299.305,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08808846026659012},{"word":"made","start":299.305,"end":299.465,"confidence":0.65722656,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.004014179110527039},{"word":"a","start":299.465,"end":299.625,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03618215397000313},{"word":"definition","start":299.625,"end":300.105,"confidence":0.99902344,"punctuated_word":"definition","sentiment":"neutral","sentiment_score":-0.10841033607721327},{"word":"that","start":300.105,"end":300.265,"confidence":0.6088867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09509075433015823},{"word":"you","start":300.265,"end":300.345,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13994565606117249},{"word":"can","start":300.345,"end":300.505,"confidence":0.7368164,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.0881352648139},{"word":"be","start":300.505,"end":300.745,"confidence":0.98828125,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16422076523303986},{"word":"paid","start":300.745,"end":301.065,"confidence":0.8366699,"punctuated_word":"paid.","sentiment":"neutral","sentiment_score":-0.12304139137268066},{"word":"so","start":301.065,"end":301.135,"confidence":0.94189453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.009352177381515505},{"word":"a","start":301.135,"end":301.385,"confidence":0.9741211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01277121528983116},{"word":"lot","start":301.385,"end":301.625,"confidence":0.99316406,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.01011522114276886},{"word":"less","start":301.625,"end":302.04,"confidence":0.97802734,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.005931943655014038},{"word":"restrictive","start":304.36002,"end":304.76,"confidence":0.9951172,"punctuated_word":"restrictive.","sentiment":"neutral","sentiment_score":-0.10421445965766908},{"word":"so","start":304.76,"end":305.08002,"confidence":0.8425293,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.16091254353523254},{"word":"again","start":305.08002,"end":305.4,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.19430729746818545},{"word":"i","start":305.4,"end":305.64,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20035627484321591},{"word":"i","start":305.64,"end":305.72,"confidence":0.52978516,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23217208683490753},{"word":"wanna","start":305.72,"end":305.88,"confidence":0.8535156,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.3322622776031494},{"word":"make","start":305.88,"end":306.04,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.23893466591835025},{"word":"sure","start":306.04,"end":306.28,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.281178742647171},{"word":"if","start":306.28,"end":306.36002,"confidence":0.9902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.43832623958587646},{"word":"i","start":306.36002,"end":306.6,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.320695698261261},{"word":"do","start":306.6,"end":306.84,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2706831693649292},{"word":"find","start":306.84,"end":307.08002,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.25778359174728394},{"word":"something","start":307.08002,"end":307.4,"confidence":0.9758301,"punctuated_word":"something,","sentiment":"neutral","sentiment_score":0.32139402627944946},{"word":"it's","start":307.4,"end":307.56,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.36225947737693787},{"word":"gonna","start":307.56,"end":307.80002,"confidence":0.96875,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.3740474581718445},{"word":"be","start":307.80002,"end":307.96002,"confidence":0.9980469,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3560153841972351},{"word":"a","start":307.96002,"end":308.04,"confidence":0.5839844,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3698105216026306},{"word":"value","start":308.04,"end":308.52002,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.22672447562217712},{"word":"for","start":308.52002,"end":308.68002,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.35547199845314026},{"word":"the","start":308.68002,"end":308.84,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4150802493095398},{"word":"price","start":308.84,"end":309.16,"confidence":1.0,"punctuated_word":"price","sentiment":"positive","sentiment_score":0.3451419472694397},{"word":"that","start":309.16,"end":309.32,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.41679489612579346},{"word":"you'd","start":309.32,"end":309.56,"confidence":0.9909668,"punctuated_word":"you'd","sentiment":"positive","sentiment_score":0.38568925857543945},{"word":"pay","start":309.56,"end":309.80002,"confidence":0.9116211,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.2265690565109253},{"word":"for","start":309.80002,"end":309.96002,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3252553641796112},{"word":"it","start":309.96002,"end":310.46002,"confidence":0.98535156,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.23122040927410129},{"word":"the","start":312.76,"end":312.92,"confidence":0.8540039,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.023804493248462677},{"word":"other","start":312.92,"end":313.08002,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.028438322246074677},{"word":"thing","start":313.08002,"end":313.4,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.01087423413991928},{"word":"too","start":313.4,"end":313.9,"confidence":0.7438965,"punctuated_word":"too,","sentiment":"neutral","sentiment_score":-0.036100294440984726},{"word":"and","start":314.04,"end":314.28,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08828358352184296},{"word":"forgive","start":314.28,"end":314.52002,"confidence":1.0,"punctuated_word":"forgive","sentiment":"neutral","sentiment_score":-0.14465731382369995},{"word":"me","start":314.52002,"end":314.68,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.23116931319236755},{"word":"for","start":314.68,"end":314.92,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.20391081273555756},{"word":"not","start":314.92,"end":315.08002,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.17019705474376678},{"word":"bringing","start":315.08002,"end":315.4,"confidence":1.0,"punctuated_word":"bringing","sentiment":"neutral","sentiment_score":-0.20228081941604617},{"word":"this","start":315.4,"end":315.56,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.1753886491060257},{"word":"up","start":315.56,"end":315.72,"confidence":0.97998047,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.17261916399002075},{"word":"upfront","start":315.72,"end":316.2,"confidence":0.7854004,"punctuated_word":"upfront,","sentiment":"neutral","sentiment_score":-0.14414995908737183},{"word":"but","start":316.2,"end":316.52002,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05314254015684128},{"word":"we","start":316.52002,"end":316.68,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09472865611314774},{"word":"got","start":316.68,"end":316.84,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0007225126028060913},{"word":"the","start":316.84,"end":317.0,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05957634747028351},{"word":"research","start":317.0,"end":317.4,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":-0.09632551670074464},{"word":"back","start":317.4,"end":317.655,"confidence":0.984375,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.012889981269836426},{"word":"from","start":317.735,"end":317.895,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05634434521198273},{"word":"caresuper","start":317.895,"end":318.395,"confidence":0.7609863,"punctuated_word":"CareSuper","sentiment":"neutral","sentiment_score":0.032846465706825256},{"word":"and","start":318.455,"end":318.615,"confidence":0.75341797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03388334810733795},{"word":"australiansuper","start":318.615,"end":319.115,"confidence":0.76692706,"punctuated_word":"AustralianSuper,","sentiment":"neutral","sentiment_score":0.030478455126285553},{"word":"and","start":320.535,"end":320.695,"confidence":0.89990234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1445806622505188},{"word":"we've","start":320.695,"end":321.01498,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.2789185643196106},{"word":"had","start":321.01498,"end":321.51498,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.22526293992996216},{"word":"a","start":322.055,"end":322.215,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3175146281719208},{"word":"a","start":322.215,"end":322.375,"confidence":0.8647461,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.35666972398757935},{"word":"lapse","start":322.375,"end":322.615,"confidence":0.9873047,"punctuated_word":"lapse","sentiment":"neutral","sentiment_score":-0.2391300797462463},{"word":"of","start":322.615,"end":322.775,"confidence":0.9980469,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.35627126693725586},{"word":"your","start":322.775,"end":323.01498,"confidence":0.9941406,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.3920029699802398},{"word":"caresuper","start":323.01498,"end":323.51498,"confidence":0.9770508,"punctuated_word":"CareSuper","sentiment":"neutral","sentiment_score":-0.1989678740501404},{"word":"insurances","start":323.735,"end":324.235,"confidence":0.9786784,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":-0.10086967796087264},{"word":"apparently","start":325.175,"end":325.575,"confidence":0.98291016,"punctuated_word":"Apparently,","sentiment":"neutral","sentiment_score":-0.25853484869003296},{"word":"when","start":325.575,"end":325.815,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.3129929304122925},{"word":"we","start":325.815,"end":325.975,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2554588317871094},{"word":"contacted","start":325.975,"end":326.455,"confidence":1.0,"punctuated_word":"contacted","sentiment":"neutral","sentiment_score":-0.2753375768661499},{"word":"them","start":326.455,"end":326.615,"confidence":0.99072266,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.29337096214294434},{"word":"they've","start":326.615,"end":326.855,"confidence":0.86938477,"punctuated_word":"they've","sentiment":"negative","sentiment_score":-0.34584248065948486},{"word":"been","start":326.855,"end":327.01498,"confidence":1.0,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.366176038980484},{"word":"sending","start":327.01498,"end":327.335,"confidence":1.0,"punctuated_word":"sending","sentiment":"negative","sentiment_score":-0.3736066520214081},{"word":"out","start":327.335,"end":327.495,"confidence":1.0,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.390684574842453},{"word":"letters","start":327.495,"end":327.895,"confidence":1.0,"punctuated_word":"letters","sentiment":"negative","sentiment_score":-0.35881921648979187},{"word":"or","start":327.895,"end":328.055,"confidence":0.99902344,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.42117857933044434},{"word":"something","start":328.055,"end":328.555,"confidence":1.0,"punctuated_word":"something","sentiment":"negative","sentiment_score":-0.4623253345489502},{"word":"for","start":329.01498,"end":329.495,"confidence":1.0,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.3366614282131195},{"word":"a","start":329.495,"end":329.655,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3358994722366333},{"word":"good","start":329.655,"end":329.895,"confidence":0.9941406,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.2392394542694092},{"word":"period","start":329.895,"end":330.215,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.25829994678497314},{"word":"of","start":330.215,"end":330.29498,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.34971851110458374},{"word":"time","start":330.29498,"end":330.615,"confidence":1.0,"punctuated_word":"time","sentiment":"negative","sentiment_score":-0.3647635877132416},{"word":"between","start":330.615,"end":331.095,"confidence":0.9970703,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.2689388692378998},{"word":"october","start":331.095,"end":331.495,"confidence":1.0,"punctuated_word":"October","sentiment":"neutral","sentiment_score":-0.2639896869659424},{"word":"and","start":331.495,"end":331.735,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.39473119378089905},{"word":"april","start":331.735,"end":332.235,"confidence":0.9030762,"punctuated_word":"April,","sentiment":"neutral","sentiment_score":-0.288266658782959},{"word":"and","start":332.535,"end":333.01498,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.33754628896713257},{"word":"they've","start":333.01498,"end":333.51498,"confidence":1.0,"punctuated_word":"they've","sentiment":"negative","sentiment_score":-0.4179492890834808},{"word":"temporarily","start":334.03,"end":334.53,"confidence":1.0,"punctuated_word":"temporarily","sentiment":"negative","sentiment_score":-0.3666479885578155},{"word":"canceled","start":335.07,"end":335.47,"confidence":0.88964844,"punctuated_word":"canceled","sentiment":"negative","sentiment_score":-0.4426406025886536},{"word":"the","start":335.47,"end":335.71,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5299258828163147},{"word":"insurances","start":335.71,"end":336.19,"confidence":0.9995117,"punctuated_word":"insurances","sentiment":"negative","sentiment_score":-0.4304171204566955},{"word":"that","start":336.19,"end":336.35,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4675818979740143},{"word":"are","start":336.35,"end":336.51,"confidence":0.99902344,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.47325533628463745},{"word":"in","start":336.51,"end":336.75,"confidence":0.9970703,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.43079274892807007},{"word":"caresoup","start":336.75,"end":337.25,"confidence":0.75531006,"punctuated_word":"CareSoup.","sentiment":"negative","sentiment_score":-0.33644554018974304},{"word":"let's","start":341.39,"end":341.63,"confidence":0.99853516,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.00031697130179964006},{"word":"have","start":341.63,"end":341.87,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.004408089444041252},{"word":"a","start":341.87,"end":341.95,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010109325870871544},{"word":"look","start":341.95,"end":342.11002,"confidence":0.9980469,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.008579877205193043},{"word":"we've","start":342.11002,"end":342.43,"confidence":0.9980469,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.00766766956076026},{"word":"got","start":342.43,"end":342.93,"confidence":0.99316406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.005179888568818569},{"word":"king","start":344.35,"end":344.75,"confidence":0.9614258,"punctuated_word":"King","sentiment":"neutral","sentiment_score":0.005896322429180145},{"word":"street","start":344.75,"end":345.15,"confidence":0.88964844,"punctuated_word":"Street,","sentiment":"neutral","sentiment_score":0.009044613689184189},{"word":"wallin","start":345.15,"end":345.65,"confidence":0.8222656,"punctuated_word":"Wallin,","sentiment":"neutral","sentiment_score":0.009528106078505516},{"word":"victoria","start":345.875,"end":346.375,"confidence":0.79174805,"punctuated_word":"Victoria,","sentiment":"neutral","sentiment_score":0.010332947596907616},{"word":"and","start":349.515,"end":350.015,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.002759026363492012},{"word":"that's","start":353.155,"end":353.39502,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.008569049648940563},{"word":"the","start":353.39502,"end":353.475,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020704228430986404},{"word":"one","start":353.475,"end":353.635,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.004192475229501724},{"word":"that","start":353.635,"end":353.795,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0016039125621318815},{"word":"they've","start":353.795,"end":354.035,"confidence":1.0,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.015488414093852043},{"word":"got","start":354.035,"end":354.195,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.008477289229631424},{"word":"on","start":354.195,"end":354.355,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01139901578426361},{"word":"the","start":354.355,"end":354.435,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014019958674907684},{"word":"statement","start":354.435,"end":354.935,"confidence":1.0,"punctuated_word":"statement.","sentiment":"neutral","sentiment_score":-0.00876089371740818},{"word":"i","start":360.42,"end":360.66,"confidence":0.56933594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03418375551700592},{"word":"wonder","start":360.66,"end":361.06,"confidence":0.99902344,"punctuated_word":"wonder","sentiment":"neutral","sentiment_score":-0.05825120210647583},{"word":"if","start":361.06,"end":361.3,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07046575844287872},{"word":"they","start":361.3,"end":361.46,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.07539144903421402},{"word":"had","start":361.46,"end":361.7,"confidence":0.82373047,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.08992616832256317},{"word":"opted","start":361.7,"end":362.1,"confidence":1.0,"punctuated_word":"opted","sentiment":"neutral","sentiment_score":-0.05784539505839348},{"word":"for","start":362.1,"end":362.34,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.023461222648620605},{"word":"some","start":362.34,"end":362.66,"confidence":0.94628906,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.09167273342609406},{"word":"super","start":362.66,"end":362.9,"confidence":0.9291992,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.04019133001565933},{"word":"funds","start":362.9,"end":363.22,"confidence":0.96533203,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.050483763217926025},{"word":"have","start":363.22,"end":363.46,"confidence":0.42944336,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0948667824268341},{"word":"switched","start":363.46,"end":363.86002,"confidence":0.9873047,"punctuated_word":"switched","sentiment":"neutral","sentiment_score":-0.04826822131872177},{"word":"from","start":363.86002,"end":364.34,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.07119978964328766},{"word":"from","start":364.34,"end":364.66,"confidence":0.99609375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.11093446612358092},{"word":"letters","start":364.66,"end":365.06,"confidence":0.99902344,"punctuated_word":"letters","sentiment":"neutral","sentiment_score":-0.1362052708864212},{"word":"to","start":365.06,"end":365.46,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12429600954055786},{"word":"emails","start":365.46,"end":365.96,"confidence":0.8469238,"punctuated_word":"emails.","sentiment":"neutral","sentiment_score":-0.1386575996875763},{"word":"so","start":366.34,"end":366.66,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.12597209215164185},{"word":"you","start":366.66,"end":366.9,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14639249444007874},{"word":"might","start":366.9,"end":367.14,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.10817669332027437},{"word":"have","start":367.14,"end":367.46,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11601374298334122},{"word":"something","start":367.46,"end":367.86002,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.11769632995128632},{"word":"sitting","start":367.86002,"end":368.1,"confidence":1.0,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.10555620491504668},{"word":"there","start":368.1,"end":368.34,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.16454491019248962},{"word":"in","start":368.34,"end":368.42,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.14390361309051514},{"word":"an","start":368.42,"end":368.66,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.14960332214832306},{"word":"inbox","start":368.66,"end":369.06,"confidence":0.99902344,"punctuated_word":"inbox","sentiment":"neutral","sentiment_score":-0.13482019305229187},{"word":"somewhere","start":369.06,"end":369.56,"confidence":0.9470215,"punctuated_word":"somewhere.","sentiment":"neutral","sentiment_score":-0.19603514671325684},{"word":"not","start":369.78,"end":370.02,"confidence":0.8984375,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.19948960840702057},{"word":"a","start":370.02,"end":370.18,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18123891949653623},{"word":"100%","start":370.18,"end":370.82,"confidence":0.99902344,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":-0.12143640220165253},{"word":"certain","start":370.82,"end":371.14,"confidence":0.9980469,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":-0.12673725187778473},{"word":"what","start":371.14,"end":371.3,"confidence":0.91259766,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.14097754657268524},{"word":"email","start":371.3,"end":371.62,"confidence":0.99902344,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.17047178745269775},{"word":"you","start":371.62,"end":371.86002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14781849086284635},{"word":"might","start":371.86002,"end":372.02,"confidence":0.9980469,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.1155395358800888},{"word":"have","start":372.02,"end":372.18,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.12292227149009705},{"word":"linked","start":372.18,"end":372.42,"confidence":0.9980469,"punctuated_word":"linked","sentiment":"neutral","sentiment_score":-0.132957324385643},{"word":"with","start":372.42,"end":372.58002,"confidence":0.97998047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1683124601840973},{"word":"them","start":372.58002,"end":372.82,"confidence":0.97094727,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.1656966507434845},{"word":"they","start":372.82,"end":372.9,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.2491805404424667},{"word":"don't","start":372.9,"end":373.185,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2002166509628296},{"word":"show","start":373.185,"end":373.345,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":-0.14587952196598053},{"word":"it","start":373.345,"end":373.585,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1837632358074188},{"word":"to","start":373.585,"end":373.665,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18617889285087583},{"word":"me","start":373.665,"end":374.165,"confidence":0.9995117,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.21416305005550385},{"word":"shouldn't","start":378.705,"end":379.105,"confidence":0.9690755,"punctuated_word":"Shouldn't","sentiment":"neutral","sentiment_score":-0.05605752393603325},{"word":"be","start":379.105,"end":379.26498,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08022196590900421},{"word":"any","start":379.26498,"end":379.425,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.08034859597682953},{"word":"different","start":379.425,"end":379.925,"confidence":0.9975586,"punctuated_word":"different.","sentiment":"neutral","sentiment_score":-0.0835702046751976},{"word":"yep","start":382.385,"end":382.625,"confidence":0.78466797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04273879528045654},{"word":"and","start":382.625,"end":382.705,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05114959552884102},{"word":"you're","start":382.705,"end":382.945,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07287819683551788},{"word":"pretty","start":382.945,"end":383.185,"confidence":0.9970703,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.1315101981163025},{"word":"on","start":383.185,"end":383.345,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09966854751110076},{"word":"top","start":383.345,"end":383.505,"confidence":0.9980469,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.10094884037971497},{"word":"of","start":383.505,"end":383.585,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11624687910079956},{"word":"your","start":383.585,"end":383.825,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.048052266240119934},{"word":"emails","start":383.825,"end":384.145,"confidence":0.920166,"punctuated_word":"emails,","sentiment":"neutral","sentiment_score":0.06022453308105469},{"word":"i","start":384.145,"end":384.225,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07764758169651031},{"word":"believe","start":384.225,"end":384.725,"confidence":0.75,"punctuated_word":"believe.","sentiment":"neutral","sentiment_score":0.04623623192310333},{"word":"if","start":385.105,"end":385.185,"confidence":0.6464844,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.01708586886525154},{"word":"something","start":385.185,"end":385.585,"confidence":0.8671875,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.007304426282644272},{"word":"popped","start":385.585,"end":385.825,"confidence":0.9921875,"punctuated_word":"popped","sentiment":"neutral","sentiment_score":0.013458732515573502},{"word":"up","start":385.825,"end":386.225,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.001915477216243744},{"word":"three","start":386.225,"end":386.54498,"confidence":0.7324219,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":-0.04705670475959778},{"word":"four","start":386.54498,"end":386.785,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.053698986768722534},{"word":"times","start":386.785,"end":387.105,"confidence":0.99902344,"punctuated_word":"times","sentiment":"neutral","sentiment_score":-0.0536053366959095},{"word":"final","start":387.105,"end":387.6,"confidence":0.8364258,"punctuated_word":"final","sentiment":"neutral","sentiment_score":-0.1144907996058464},{"word":"final","start":387.68,"end":388.08002,"confidence":1.0,"punctuated_word":"final","sentiment":"neutral","sentiment_score":-0.09609243273735046},{"word":"payment","start":388.08002,"end":388.4,"confidence":1.0,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":-0.06996767222881317},{"word":"notice","start":388.4,"end":388.72,"confidence":0.98168945,"punctuated_word":"notice,","sentiment":"neutral","sentiment_score":-0.06853236258029938},{"word":"you'd","start":388.72,"end":388.96,"confidence":0.9316406,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.06252357363700867},{"word":"probably","start":388.96,"end":389.2,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.04308518022298813},{"word":"have","start":389.2,"end":389.36002,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05864422395825386},{"word":"noticed","start":389.36002,"end":389.68,"confidence":0.99902344,"punctuated_word":"noticed","sentiment":"neutral","sentiment_score":-0.021049752831459045},{"word":"that","start":389.68,"end":390.18,"confidence":0.9916992,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.07503587007522583},{"word":"yeah","start":392.48,"end":392.98,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10843177139759064},{"word":"i","start":393.36002,"end":393.52002,"confidence":0.84228516,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16892138123512268},{"word":"do","start":393.52002,"end":393.76,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21628662943840027},{"word":"have","start":393.76,"end":393.92,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17856651544570923},{"word":"some","start":393.92,"end":394.42,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.12213604152202606},{"word":"solutions","start":394.48,"end":394.96,"confidence":0.8574219,"punctuated_word":"solutions,","sentiment":"neutral","sentiment_score":0.12454104423522948},{"word":"though","start":394.96,"end":395.46,"confidence":0.98950195,"punctuated_word":"though.","sentiment":"neutral","sentiment_score":0.1277572363615036},{"word":"i","start":395.52002,"end":395.6,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09345156699419022},{"word":"never","start":395.6,"end":395.92,"confidence":0.79248047,"punctuated_word":"never","sentiment":"neutral","sentiment_score":0.06224687397480011},{"word":"come","start":395.92,"end":396.16,"confidence":0.9980469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.06369692087173462},{"word":"into","start":396.16,"end":396.48,"confidence":0.9951172,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.05181226879358291},{"word":"a","start":396.48,"end":396.56,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.059997931122779846},{"word":"conversation","start":396.56,"end":397.06,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.009717747569084167},{"word":"without","start":397.12,"end":397.36002,"confidence":0.9951172,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.018245577812194824},{"word":"a","start":397.36002,"end":397.52002,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08121225982904434},{"word":"solution","start":397.52002,"end":398.02002,"confidence":1.0,"punctuated_word":"solution.","sentiment":"neutral","sentiment_score":0.0608522891998291},{"word":"the","start":399.92,"end":400.08002,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.28461915254592896},{"word":"australian","start":400.08002,"end":400.56,"confidence":0.98095703,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.3143980801105499},{"word":"super","start":400.56,"end":400.80002,"confidence":0.5410156,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.28111061453819275},{"word":"and","start":400.80002,"end":400.96,"confidence":0.9350586,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2611752450466156},{"word":"care","start":400.96,"end":401.2,"confidence":0.9951172,"punctuated_word":"Care","sentiment":"neutral","sentiment_score":0.17880356311798096},{"word":"super","start":401.2,"end":401.52002,"confidence":0.99121094,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.30295929312705994},{"word":"have","start":401.52002,"end":401.76,"confidence":0.9980469,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.38264796137809753},{"word":"a","start":401.76,"end":401.84,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3564189076423645},{"word":"really","start":401.84,"end":402.08002,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.35041147470474243},{"word":"good","start":402.08002,"end":402.32,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.31955936551094055},{"word":"way","start":402.32,"end":402.48,"confidence":0.9970703,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.2583618462085724},{"word":"of","start":402.48,"end":402.64,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26674115657806396},{"word":"dealing","start":402.64,"end":402.96,"confidence":0.99902344,"punctuated_word":"dealing","sentiment":"neutral","sentiment_score":0.3294338285923004},{"word":"with","start":402.96,"end":403.2,"confidence":0.99121094,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2765389084815979},{"word":"dormant","start":403.2,"end":403.575,"confidence":0.84472656,"punctuated_word":"dormant","sentiment":"neutral","sentiment_score":0.15139704942703247},{"word":"cover","start":403.815,"end":403.975,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.11789900064468384},{"word":"where","start":403.975,"end":404.475,"confidence":0.7949219,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.2025921940803528},{"word":"a","start":405.015,"end":405.255,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21492382884025577},{"word":"contribution","start":405.255,"end":405.73502,"confidence":1.0,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.11018744856119156},{"word":"can","start":405.73502,"end":406.05502,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2440019249916077},{"word":"reactivate","start":406.05502,"end":406.55502,"confidence":0.9996745,"punctuated_word":"reactivate","sentiment":"neutral","sentiment_score":0.2199278324842453},{"word":"it","start":406.61502,"end":406.77502,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1947280466556549},{"word":"straight","start":406.77502,"end":407.015,"confidence":0.99902344,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.1819053739309311},{"word":"away","start":407.015,"end":407.515,"confidence":0.8762207,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":0.16164222359657288},{"word":"so","start":409.815,"end":410.295,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10344140231609344},{"word":"what","start":410.295,"end":410.535,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1217731386423111},{"word":"we","start":410.535,"end":410.695,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.142540842294693},{"word":"would","start":410.695,"end":410.935,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.158455029129982},{"word":"need","start":410.935,"end":411.095,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1920989453792572},{"word":"to","start":411.095,"end":411.255,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13316117227077484},{"word":"do","start":411.255,"end":411.755,"confidence":0.86865234,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.11636339873075484},{"word":"care","start":412.21503,"end":412.535,"confidence":0.9980469,"punctuated_word":"Care","sentiment":"neutral","sentiment_score":0.01706838607788086},{"word":"super","start":412.535,"end":412.935,"confidence":0.9863281,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.11325155198574066},{"word":"requires","start":412.935,"end":413.415,"confidence":0.99902344,"punctuated_word":"requires","sentiment":"neutral","sentiment_score":0.04816041886806488},{"word":"an","start":413.415,"end":413.655,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.011423349380493164},{"word":"employer","start":413.655,"end":414.155,"confidence":0.9951172,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":-0.013532012701034546},{"word":"contribution","start":414.21503,"end":414.71503,"confidence":0.9025879,"punctuated_word":"contribution,","sentiment":"neutral","sentiment_score":0.01258966326713562},{"word":"whereas","start":415.095,"end":415.595,"confidence":0.99902344,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":0.013716232031583786},{"word":"australian","start":415.73502,"end":416.23502,"confidence":0.97802734,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.037055835127830505},{"word":"super","start":416.295,"end":416.695,"confidence":0.97802734,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.09653638303279875},{"word":"could","start":416.695,"end":416.935,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.07679934799671173},{"word":"do","start":416.935,"end":417.095,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07047855854034424},{"word":"it","start":417.095,"end":417.255,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04613107442855835},{"word":"off","start":417.255,"end":417.49503,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.0439056009054184},{"word":"of","start":417.49503,"end":417.815,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05913662165403366},{"word":"an","start":417.815,"end":418.05502,"confidence":0.9902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.064656101167202},{"word":"opt","start":418.05502,"end":418.295,"confidence":0.8598633,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":0.05868343263864517},{"word":"in","start":418.295,"end":418.535,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06987351924180984},{"word":"notice","start":418.535,"end":419.035,"confidence":1.0,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.07418543845415115},{"word":"and","start":419.36002,"end":419.86002,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06413871049880981},{"word":"a","start":420.0,"end":420.16,"confidence":0.94140625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09553827345371246},{"word":"small","start":420.16,"end":420.48,"confidence":1.0,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.13925516605377197},{"word":"ad","start":420.48,"end":420.80002,"confidence":0.99121094,"punctuated_word":"ad","sentiment":"neutral","sentiment_score":0.06982167810201645},{"word":"hoc","start":420.80002,"end":421.04,"confidence":0.99609375,"punctuated_word":"hoc","sentiment":"neutral","sentiment_score":0.09809103608131409},{"word":"contribution","start":421.04,"end":421.54,"confidence":0.9970703,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":0.06126798316836357},{"word":"so","start":422.08002,"end":422.32,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1312663108110428},{"word":"i","start":422.32,"end":422.48,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21399471163749695},{"word":"wanted","start":422.48,"end":422.80002,"confidence":0.99316406,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.2286949157714844},{"word":"to","start":422.80002,"end":422.88,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2707984447479248},{"word":"run","start":422.88,"end":423.2,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.27942100167274475},{"word":"by","start":423.2,"end":423.36002,"confidence":0.99609375,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2908829152584076},{"word":"you","start":423.36002,"end":423.52002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3085293769836426},{"word":"the","start":423.52002,"end":423.76,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3979444801807403},{"word":"idea","start":423.76,"end":424.08002,"confidence":1.0,"punctuated_word":"idea","sentiment":"positive","sentiment_score":0.3718695044517517},{"word":"of","start":424.08002,"end":424.24002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3111116290092468},{"word":"potentially","start":424.24002,"end":424.74002,"confidence":0.9980469,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.3294825255870819},{"word":"switching","start":424.88,"end":425.38,"confidence":1.0,"punctuated_word":"switching","sentiment":"neutral","sentiment_score":0.21651989221572876},{"word":"the","start":425.84,"end":426.08002,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23079098761081696},{"word":"contributions","start":426.08002,"end":426.58002,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.12865743041038513},{"word":"to","start":426.80002,"end":426.96002,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27972617745399475},{"word":"go","start":426.96002,"end":427.04,"confidence":0.9863281,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2904481589794159},{"word":"to","start":427.04,"end":427.28,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2697075605392456},{"word":"caresuper","start":427.28,"end":427.78,"confidence":0.90600586,"punctuated_word":"CareSuper","sentiment":"neutral","sentiment_score":0.19681409001350403},{"word":"and","start":428.32,"end":428.56,"confidence":0.88427734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27417027950286865},{"word":"then","start":428.56,"end":428.88,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2677834630012512},{"word":"opting","start":428.88,"end":429.28,"confidence":1.0,"punctuated_word":"opting","sentiment":"neutral","sentiment_score":0.22721529006958008},{"word":"into","start":429.28,"end":429.6,"confidence":0.96972656,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.27623894810676575},{"word":"australiansuper","start":429.6,"end":430.1,"confidence":0.9658203,"punctuated_word":"AustralianSuper.","sentiment":"neutral","sentiment_score":0.23270079493522644},{"word":"that's","start":430.4,"end":430.80002,"confidence":0.9946289,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.3167288303375244},{"word":"the","start":430.80002,"end":431.04,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2707778215408325},{"word":"the","start":431.04,"end":431.28,"confidence":0.93603516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24495376646518707},{"word":"safest","start":431.28,"end":431.78,"confidence":1.0,"punctuated_word":"safest","sentiment":"neutral","sentiment_score":0.267880380153656},{"word":"way","start":431.84,"end":432.34,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.18281397223472595},{"word":"to","start":432.56,"end":432.72,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20339179039001465},{"word":"maintain","start":432.72,"end":433.2,"confidence":1.0,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.2074233889579773},{"word":"those","start":433.2,"end":433.575,"confidence":0.9760742,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.17114032804965973},{"word":"well","start":440.21503,"end":440.71503,"confidence":0.97021484,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.02297329157590866},{"word":"the","start":441.015,"end":441.515,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02869904786348343},{"word":"portfolio","start":441.575,"end":442.075,"confidence":0.9970703,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.06467945128679276},{"word":"was","start":442.21503,"end":442.375,"confidence":0.90527344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.15156586468219757},{"word":"a","start":442.375,"end":442.45502,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13468559086322784},{"word":"bit","start":442.45502,"end":442.695,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.14532431960105896},{"word":"rough","start":442.695,"end":442.935,"confidence":0.9213867,"punctuated_word":"rough,","sentiment":"neutral","sentiment_score":-0.18641501665115356},{"word":"to","start":442.935,"end":443.095,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17711101472377777},{"word":"be","start":443.095,"end":443.255,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1589653044939041},{"word":"honest","start":443.255,"end":443.575,"confidence":0.99316406,"punctuated_word":"honest.","sentiment":"neutral","sentiment_score":-0.14663998782634735},{"word":"there's","start":443.575,"end":443.815,"confidence":0.9951172,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.11663453280925752},{"word":"7,386","start":443.815,"end":445.49503,"confidence":0.9739118,"punctuated_word":"7,386","sentiment":"neutral","sentiment_score":-0.0631948933005333},{"word":"in","start":445.49503,"end":445.655,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11138133704662324},{"word":"there","start":445.655,"end":445.975,"confidence":0.7364502,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.09926411509513856},{"word":"last","start":445.975,"end":446.21503,"confidence":0.9951172,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":-0.11233437061309814},{"word":"check","start":446.21503,"end":446.49,"confidence":0.9946289,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":-0.11052843928337096},{"word":"well","start":459.28998,"end":459.61,"confidence":0.8676758,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.05606738105416298},{"word":"the","start":459.61,"end":459.77,"confidence":0.91748047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07799921929836273},{"word":"main","start":459.77,"end":460.27,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.09919644892215727},{"word":"the","start":460.56497,"end":460.805,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04651199281215668},{"word":"main","start":460.805,"end":461.125,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.0934479758143425},{"word":"portfolio","start":461.125,"end":461.625,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.008734360337257385},{"word":"in","start":462.00497,"end":462.485,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12887340784072876},{"word":"in","start":462.485,"end":462.645,"confidence":0.91259766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14818666875362396},{"word":"the","start":462.645,"end":462.805,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11491240561008452},{"word":"hub","start":462.805,"end":463.04498,"confidence":0.9838867,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1422511488199234},{"word":"is","start":463.04498,"end":463.205,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17544084787368774},{"word":"obviously","start":463.205,"end":463.60498,"confidence":0.94189453,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.18458731472492215},{"word":"the","start":463.60498,"end":463.84497,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18247739970684052},{"word":"driver","start":463.84497,"end":464.34497,"confidence":1.0,"punctuated_word":"driver","sentiment":"neutral","sentiment_score":0.13997989892959595},{"word":"for","start":464.405,"end":464.805,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12746864557266235},{"word":"returns","start":464.805,"end":465.305,"confidence":0.99902344,"punctuated_word":"returns.","sentiment":"neutral","sentiment_score":0.11116577684879304},{"word":"the","start":466.245,"end":466.745,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.10958225280046464},{"word":"main","start":466.805,"end":467.125,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.1347234845161438},{"word":"reason","start":467.125,"end":467.60498,"confidence":0.99902344,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.1172626093029976},{"word":"for","start":467.60498,"end":468.00497,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15725624561309814},{"word":"caresoup","start":468.00497,"end":468.50497,"confidence":0.6449382,"punctuated_word":"CareSoup","sentiment":"neutral","sentiment_score":0.21179752051830292},{"word":"is","start":469.925,"end":470.405,"confidence":0.8034668,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.18921074271202087},{"word":"i","start":470.405,"end":470.485,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13657566905021667},{"word":"guess","start":470.485,"end":470.72498,"confidence":0.92944336,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.1089712455868721},{"word":"the","start":470.72498,"end":470.88498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18090373277664185},{"word":"activatable","start":470.88498,"end":471.38498,"confidence":0.94921875,"punctuated_word":"activatable","sentiment":"neutral","sentiment_score":0.1646977663040161},{"word":"cover","start":471.60498,"end":471.925,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.07525312155485153},{"word":"i'm","start":471.925,"end":472.085,"confidence":0.97216797,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10318794846534728},{"word":"seeing","start":472.085,"end":472.405,"confidence":0.97265625,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.12508192658424375},{"word":"here","start":472.405,"end":472.905,"confidence":0.8520508,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.1005937159061432},{"word":"$3,034,000","start":474.49,"end":477.55,"confidence":0.9873047,"punctuated_word":"$3,034,000","sentiment":"neutral","sentiment_score":0.12420862913131714},{"word":"of","start":477.93,"end":478.16998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13951748609542847},{"word":"life","start":478.16998,"end":478.49,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.05751464515924454},{"word":"insurance","start":478.49,"end":478.99,"confidence":0.9719238,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.07865940779447556},{"word":"23,000","start":479.37,"end":480.49,"confidence":1.0,"punctuated_word":"23,000","sentiment":"neutral","sentiment_score":0.10318750143051147},{"word":"of","start":480.49,"end":480.81,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13831716775894165},{"word":"tpd","start":480.81,"end":481.31,"confidence":0.7817383,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.06792637705802917},{"word":"total","start":481.61,"end":482.00998,"confidence":0.9941406,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.033441223204135895},{"word":"disability","start":482.00998,"end":482.50998,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":-0.010115109384059906},{"word":"cover","start":482.65,"end":483.15,"confidence":0.9921875,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.050991661846637726},{"word":"so","start":483.61,"end":483.84998,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07993802428245544},{"word":"that's","start":483.84998,"end":484.25,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1949545443058014},{"word":"essentially","start":484.25,"end":484.75,"confidence":0.9921875,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.16824659705162048},{"word":"the","start":484.88998,"end":485.05,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13770301640033722},{"word":"reason","start":485.05,"end":485.37,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.09357456117868423},{"word":"to","start":485.37,"end":485.53,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19904763996601105},{"word":"keep","start":485.53,"end":485.77,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.28717041015625},{"word":"it","start":485.77,"end":486.27,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.26501455903053284},{"word":"if","start":486.56998,"end":486.72998,"confidence":0.8598633,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2580622136592865},{"word":"you","start":486.72998,"end":486.88998,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22212466597557068},{"word":"value","start":486.88998,"end":487.28998,"confidence":0.9980469,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.3142932057380676},{"word":"having","start":487.28998,"end":487.61,"confidence":0.9951172,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.33125630021095276},{"word":"those","start":487.61,"end":487.93,"confidence":1.0,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.34145933389663696},{"word":"two","start":487.93,"end":488.43,"confidence":0.9897461,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.2548995018005371},{"word":"if","start":488.72998,"end":489.05,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.031346067786216736},{"word":"not","start":489.05,"end":489.37,"confidence":0.9995117,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":-0.01112828403711319},{"word":"there's","start":489.37,"end":489.825,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.012974387034773828},{"word":"almost","start":489.98502,"end":490.30502,"confidence":1.0,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":0.0177658349275589},{"word":"no","start":490.30502,"end":490.46503,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.1843479722738266},{"word":"reason","start":490.46503,"end":490.785,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.25035005807876587},{"word":"to","start":490.785,"end":490.945,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06997860968112946},{"word":"keep","start":490.945,"end":491.105,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.06309902667999268},{"word":"it","start":491.105,"end":491.265,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.015352591872215273},{"word":"in","start":491.265,"end":491.42502,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.004566654562950134},{"word":"those","start":491.42502,"end":491.665,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.014113321900367737},{"word":"types","start":491.665,"end":491.905,"confidence":1.0,"punctuated_word":"types","sentiment":"neutral","sentiment_score":-0.05896808207035065},{"word":"of","start":491.905,"end":492.14502,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03746195137500763},{"word":"investments","start":492.14502,"end":492.64502,"confidence":0.9995117,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.07464239746332169},{"word":"yes","start":502.225,"end":502.545,"confidence":0.9885254,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2286282181739807},{"word":"so","start":502.545,"end":502.785,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2419113516807556},{"word":"we've","start":502.785,"end":503.02502,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.3067091703414917},{"word":"got","start":503.02502,"end":503.49,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.32064294815063477},{"word":"30,000","start":503.81,"end":504.37,"confidence":1.0,"punctuated_word":"30,000","sentiment":"positive","sentiment_score":0.3479539155960083},{"word":"worth","start":504.37,"end":504.61,"confidence":0.984375,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.3042624890804291},{"word":"of","start":504.61,"end":504.77,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.32238709926605225},{"word":"life","start":504.77,"end":505.00998,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.3050169348716736},{"word":"insurance","start":505.00998,"end":505.41,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.26611191034317017},{"word":"with","start":505.41,"end":505.65,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3231421709060669},{"word":"aussuper","start":505.65,"end":506.15,"confidence":0.5795085,"punctuated_word":"AusSuper,","sentiment":"neutral","sentiment_score":0.32564330101013184},{"word":"7,000","start":506.44998,"end":507.00998,"confidence":1.0,"punctuated_word":"7,000","sentiment":"neutral","sentiment_score":0.31561362743377686},{"word":"worth","start":507.00998,"end":507.25,"confidence":0.9970703,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.27695709466934204},{"word":"of","start":507.25,"end":507.41,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.310344934463501},{"word":"tpd","start":507.41,"end":507.91,"confidence":0.89941406,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.21966829895973208},{"word":"and","start":508.13,"end":508.28998,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31755104660987854},{"word":"they've","start":508.28998,"end":508.53,"confidence":0.99853516,"punctuated_word":"they've","sentiment":"positive","sentiment_score":0.3480716943740845},{"word":"also","start":508.53,"end":508.77,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.3311850428581238},{"word":"got","start":508.77,"end":508.93,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3649498522281647},{"word":"a","start":508.93,"end":509.00998,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.293203741312027},{"word":"little","start":509.00998,"end":509.16998,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.253860741853714},{"word":"bit","start":509.16998,"end":509.33,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2681988775730133},{"word":"of","start":509.33,"end":509.49,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2435179054737091},{"word":"income","start":509.49,"end":509.81,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.2637968063354492},{"word":"protection","start":509.81,"end":510.28998,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.1953621208667755},{"word":"in","start":510.28998,"end":510.37,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3542789816856384},{"word":"there","start":510.37,"end":510.61,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.35491666197776794},{"word":"for","start":510.61,"end":510.77,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2672595977783203},{"word":"you","start":510.77,"end":511.25,"confidence":0.76831055,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.24071109294891355},{"word":"$2,800","start":511.25,"end":512.69,"confidence":0.9156494,"punctuated_word":"$2,800.","sentiment":"neutral","sentiment_score":0.113154798746109},{"word":"so","start":512.69,"end":512.77,"confidence":0.82128906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11215133965015411},{"word":"i","start":512.77,"end":512.85,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08217635750770569},{"word":"know","start":512.85,"end":513.01,"confidence":0.99609375,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05763597786426544},{"word":"it's","start":513.01,"end":513.25,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07353368401527405},{"word":"very","start":513.25,"end":513.57,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.014950484037399292},{"word":"small","start":513.57,"end":514.07,"confidence":0.9875488,"punctuated_word":"small,","sentiment":"neutral","sentiment_score":0.018101952970027924},{"word":"but","start":514.45,"end":514.85,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03294561058282852},{"word":"that","start":514.85,"end":515.08997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0985935628414154},{"word":"can","start":515.08997,"end":515.33,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08917374908924103},{"word":"be","start":515.33,"end":515.49,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08313485980033875},{"word":"added","start":515.49,"end":515.81,"confidence":1.0,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.09041466563940048},{"word":"on","start":515.81,"end":516.05,"confidence":0.89746094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11410000920295715},{"word":"to","start":516.05,"end":516.55,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08353746682405472},{"word":"work","start":517.08997,"end":517.33,"confidence":0.9902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.05589250102639198},{"word":"cover","start":517.33,"end":517.64996,"confidence":0.9980469,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.02369984984397888},{"word":"percentages","start":517.64996,"end":518.14996,"confidence":0.94873047,"punctuated_word":"percentages,","sentiment":"neutral","sentiment_score":0.04777468740940094},{"word":"accident","start":519.435,"end":519.935,"confidence":0.9616699,"punctuated_word":"accident,","sentiment":"neutral","sentiment_score":0.009293504059314728},{"word":"injury","start":520.15497,"end":520.475,"confidence":0.94970703,"punctuated_word":"injury,","sentiment":"neutral","sentiment_score":-0.0002898871898651123},{"word":"and","start":520.475,"end":520.63495,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.005551978945732117},{"word":"illness","start":520.63495,"end":521.13495,"confidence":0.9926758,"punctuated_word":"illness.","sentiment":"neutral","sentiment_score":0.025461342185735703},{"word":"so","start":521.435,"end":521.675,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1436342895030975},{"word":"australian","start":521.675,"end":522.15497,"confidence":0.9770508,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.28093695640563965},{"word":"superstore","start":522.15497,"end":522.555,"confidence":0.74243164,"punctuated_word":"Superstore","sentiment":"neutral","sentiment_score":0.2399550825357437},{"word":"hat","start":522.555,"end":522.795,"confidence":0.39941406,"punctuated_word":"Hat","sentiment":"positive","sentiment_score":0.33736947178840637},{"word":"does","start":522.795,"end":522.95496,"confidence":0.98535156,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.21723438799381256},{"word":"have","start":522.95496,"end":523.115,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17008310556411743},{"word":"a","start":523.115,"end":523.19495,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1559355854988098},{"word":"bit","start":523.19495,"end":523.355,"confidence":0.9902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.126165971159935},{"word":"of","start":523.355,"end":523.435,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12850216031074524},{"word":"cover","start":523.435,"end":523.935,"confidence":0.94384766,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.0952218696475029},{"word":"correct","start":526.95496,"end":527.45496,"confidence":0.7873535,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.07116781920194626},{"word":"let","start":543.93,"end":544.08997,"confidence":0.9980469,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.022936180233955383},{"word":"me","start":544.08997,"end":544.33,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.027373135089874268},{"word":"have","start":544.33,"end":544.49,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02569809928536415},{"word":"a","start":544.49,"end":544.57,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.028210226446390152},{"word":"look","start":544.57,"end":544.935,"confidence":1.0,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.01755441725254059},{"word":"i'm","start":547.175,"end":547.415,"confidence":0.9807129,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03506233170628548},{"word":"just","start":547.415,"end":547.575,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02772894501686096},{"word":"gonna","start":547.575,"end":547.815,"confidence":0.9838867,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.022502390667796135},{"word":"grab","start":547.815,"end":548.135,"confidence":0.98828125,"punctuated_word":"grab","sentiment":"neutral","sentiment_score":-0.03316008299589157},{"word":"up","start":548.135,"end":548.295,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.032805025577545166},{"word":"the","start":548.295,"end":548.795,"confidence":0.7792969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.036898061633110046},{"word":"admin","start":549.175,"end":549.65497,"confidence":0.9790039,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":-0.04004132002592087},{"word":"fee","start":549.65497,"end":549.895,"confidence":0.96533203,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":-0.030870523303747177},{"word":"structure","start":549.895,"end":550.395,"confidence":1.0,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":-0.03259659186005592},{"word":"because","start":552.375,"end":552.875,"confidence":0.4416504,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.11954590678215028},{"word":"yeah","start":561.99,"end":562.47003,"confidence":0.8947754,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.021511707454919815},{"word":"the","start":562.47003,"end":562.71,"confidence":0.98291016,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.07256697863340378},{"word":"premiums","start":562.71,"end":563.11,"confidence":0.99316406,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":-0.08136886358261108},{"word":"let","start":563.27,"end":563.43,"confidence":0.8769531,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.0215802863240242},{"word":"me","start":563.43,"end":563.59,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0005919113755226135},{"word":"have","start":563.59,"end":563.67004,"confidence":0.99316406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.025448322296142575},{"word":"a","start":563.67004,"end":563.75,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01151152327656746},{"word":"look","start":563.75,"end":563.91003,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02062191069126129},{"word":"at","start":563.91003,"end":563.99,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02270306646823883},{"word":"the","start":563.99,"end":564.15,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008143804967403412},{"word":"premiums","start":564.15,"end":564.63,"confidence":1.0,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.014802500605583193},{"word":"here","start":564.63,"end":565.13,"confidence":0.99902344,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.025330889970064163},{"word":"so","start":565.51,"end":566.01,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.026951324194669724},{"word":"$324","start":566.23004,"end":567.83,"confidence":0.99833983,"punctuated_word":"$324","sentiment":"neutral","sentiment_score":0.033608246594667435},{"word":"per","start":567.83,"end":568.07,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.027394451200962067},{"word":"annum","start":568.07,"end":568.57,"confidence":0.9995117,"punctuated_word":"annum","sentiment":"neutral","sentiment_score":0.04290485382080078},{"word":"for","start":568.87,"end":569.11,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03484135866165161},{"word":"the","start":569.11,"end":569.35004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06887035816907883},{"word":"life","start":569.35004,"end":569.51,"confidence":0.99121094,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.05026360601186752},{"word":"and","start":569.51,"end":569.75,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.042691610753536224},{"word":"disability","start":569.75,"end":570.25,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.02119830995798111},{"word":"insurance","start":570.31,"end":570.81,"confidence":0.8754883,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":0.02478362992405891},{"word":"and","start":570.825,"end":571.325,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.005631707608699799},{"word":"the","start":572.505,"end":572.745,"confidence":0.9633789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1156892329454422},{"word":"main","start":572.745,"end":573.065,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.1425444632768631},{"word":"driver","start":573.065,"end":573.465,"confidence":0.99902344,"punctuated_word":"driver","sentiment":"neutral","sentiment_score":-0.04097577929496765},{"word":"when","start":573.465,"end":573.625,"confidence":0.9560547,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.1753367781639099},{"word":"it","start":573.625,"end":573.705,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.167089581489563},{"word":"comes","start":573.705,"end":573.945,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.19009113311767575},{"word":"to","start":573.945,"end":574.10504,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2149278074502945},{"word":"admin","start":574.10504,"end":574.585,"confidence":0.99902344,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":-0.08295449614524841},{"word":"fees","start":574.585,"end":574.825,"confidence":1.0,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.12161605060100555},{"word":"for","start":574.825,"end":574.985,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1471412181854248},{"word":"the","start":574.985,"end":575.145,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11920580267906188},{"word":"account","start":575.145,"end":575.645,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.14133764803409576},{"word":"is","start":575.865,"end":576.10504,"confidence":0.9838867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.15349559485912323},{"word":"if","start":576.10504,"end":576.185,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2150409072637558},{"word":"it's","start":576.185,"end":576.425,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2080959975719452},{"word":"a","start":576.425,"end":576.585,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.26053720712661743},{"word":"flat","start":576.585,"end":576.905,"confidence":1.0,"punctuated_word":"flat","sentiment":"neutral","sentiment_score":-0.19781865179538727},{"word":"dollar","start":576.905,"end":577.145,"confidence":1.0,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":-0.24505583941936493},{"word":"fee","start":577.145,"end":577.465,"confidence":0.9230957,"punctuated_word":"fee,","sentiment":"negative","sentiment_score":-0.33537769317626953},{"word":"it","start":577.465,"end":577.705,"confidence":0.99902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.521327555179596},{"word":"eats","start":577.705,"end":577.945,"confidence":0.9589844,"punctuated_word":"eats","sentiment":"negative","sentiment_score":-0.4389697909355163},{"word":"into","start":577.945,"end":578.265,"confidence":0.99902344,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.4142079353332519},{"word":"it","start":578.265,"end":578.425,"confidence":0.9873047,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3918901681900024},{"word":"quite","start":578.425,"end":578.66504,"confidence":1.0,"punctuated_word":"quite","sentiment":"negative","sentiment_score":-0.4463820159435272},{"word":"a","start":578.66504,"end":578.745,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3945947289466858},{"word":"lot","start":578.745,"end":579.22504,"confidence":1.0,"punctuated_word":"lot.","sentiment":"neutral","sentiment_score":-0.2329341024160385},{"word":"if","start":579.22504,"end":579.385,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.12289099395275116},{"word":"it's","start":579.385,"end":579.625,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07967912405729294},{"word":"a","start":579.625,"end":579.78503,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07831647247076035},{"word":"percentage","start":579.78503,"end":580.265,"confidence":0.99902344,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":-0.06564315408468246},{"word":"based","start":580.265,"end":580.585,"confidence":0.7705078,"punctuated_word":"based,","sentiment":"neutral","sentiment_score":-0.035946380347013474},{"word":"then","start":580.585,"end":580.745,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.006694912910461426},{"word":"it","start":580.745,"end":580.905,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.024454772472381592},{"word":"doesn't","start":580.905,"end":581.145,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.03641844168305397},{"word":"really","start":581.145,"end":581.385,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.06308936327695847},{"word":"matter","start":581.385,"end":581.625,"confidence":1.0,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":-0.059113115072250366},{"word":"what","start":581.625,"end":581.865,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.11485973745584488},{"word":"the","start":581.865,"end":581.945,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15027594566345215},{"word":"balance","start":581.945,"end":582.34503,"confidence":0.9951172,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.1188514530658722},{"word":"is","start":582.34503,"end":582.84503,"confidence":1.0,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.07707618176937103},{"word":"so","start":585.88,"end":586.04004,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06289862096309662},{"word":"we've","start":586.04004,"end":586.28,"confidence":0.99072266,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.092368446290493},{"word":"got","start":586.28,"end":586.44,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11893197894096376},{"word":"another","start":586.44,"end":586.76,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.11824217438697816},{"word":"$67.60","start":586.76,"end":588.38,"confidence":0.98795575,"punctuated_word":"$67.60","sentiment":"neutral","sentiment_score":0.10622084140777588},{"word":"plus","start":588.68,"end":589.0,"confidence":0.9790039,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.08679156005382538},{"word":"0.15%","start":589.0,"end":590.60004,"confidence":0.99921876,"punctuated_word":"0.15%","sentiment":"neutral","sentiment_score":0.0680609866976738},{"word":"as","start":590.60004,"end":590.76,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11058416962623596},{"word":"well","start":590.76,"end":591.24,"confidence":0.9641113,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.11665719747543336},{"word":"so","start":591.24,"end":591.4,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13218766450881958},{"word":"they","start":591.4,"end":591.64,"confidence":0.9838867,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.11678653210401536},{"word":"do","start":591.64,"end":591.88,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16371646523475647},{"word":"have","start":591.88,"end":592.04004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12855342030525208},{"word":"a","start":592.04004,"end":592.2,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0928700640797615},{"word":"flat","start":592.2,"end":592.52,"confidence":1.0,"punctuated_word":"flat","sentiment":"neutral","sentiment_score":0.10809394717216492},{"word":"fee","start":592.52,"end":592.84,"confidence":0.9951172,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":0.04442290589213371},{"word":"a","start":592.84,"end":593.08,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01835312694311142},{"word":"percentage","start":593.08,"end":593.58,"confidence":1.0,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.04402688145637512},{"word":"fee","start":593.64,"end":593.88,"confidence":0.9848633,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":0.02460620179772377},{"word":"and","start":593.88,"end":594.04004,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02789337933063507},{"word":"the","start":594.04004,"end":594.28,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05763745307922363},{"word":"insurance","start":594.28,"end":594.78,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.05047081410884857},{"word":"premiums","start":594.84,"end":595.34,"confidence":0.9562988,"punctuated_word":"premiums.","sentiment":"neutral","sentiment_score":0.06364348530769348},{"word":"so","start":595.56,"end":595.8,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06470779329538345},{"word":"you're","start":595.8,"end":596.04004,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.053223203867673874},{"word":"talking","start":596.04004,"end":596.44,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.03518156707286835},{"word":"about","start":596.44,"end":596.94,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03307502716779709},{"word":"$4,500","start":597.32,"end":598.36,"confidence":0.929362,"punctuated_word":"$4,500","sentiment":"neutral","sentiment_score":0.07867935299873352},{"word":"worth","start":598.36,"end":598.695,"confidence":0.96533203,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.027433812618255615},{"word":"of","start":598.695,"end":598.855,"confidence":0.8251953,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01457034796476364},{"word":"fees","start":598.855,"end":599.09503,"confidence":0.9951172,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.00792628526687622},{"word":"coming","start":599.09503,"end":599.175,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.04278313368558884},{"word":"out","start":599.175,"end":599.415,"confidence":0.9248047,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.009976372122764587},{"word":"per","start":599.415,"end":599.815,"confidence":0.9506836,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.021612204611301426},{"word":"year","start":599.815,"end":600.315,"confidence":0.99902344,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.03884191811084747},{"word":"i","start":607.495,"end":607.655,"confidence":0.48388672,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.003321375697851181},{"word":"have","start":607.655,"end":607.895,"confidence":0.96777344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.009463537484407423},{"word":"a","start":607.895,"end":607.97504,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012539328075945376},{"word":"quick","start":607.97504,"end":608.215,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.016874833032488823},{"word":"look","start":608.215,"end":608.375,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.004574114456772804},{"word":"because","start":608.375,"end":608.695,"confidence":0.6010742,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.012969078496098518},{"word":"they","start":608.695,"end":608.855,"confidence":0.9921875,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.008050316944718361},{"word":"also","start":608.855,"end":609.355,"confidence":0.98095703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.012366587296128271},{"word":"they","start":610.615,"end":610.855,"confidence":0.9873047,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.0015060976147651672},{"word":"also","start":610.855,"end":611.09503,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.010736903175711632},{"word":"need","start":611.09503,"end":611.255,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.003675248473882675},{"word":"to","start":611.255,"end":611.415,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0008866805583238602},{"word":"maintain","start":611.415,"end":611.735,"confidence":1.0,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.01944189891219139},{"word":"it","start":611.735,"end":611.895,"confidence":0.9604492,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.027249597012996674},{"word":"above","start":611.895,"end":612.215,"confidence":0.98535156,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.03063565492630005},{"word":"$6,000","start":612.215,"end":613.015,"confidence":0.9694824,"punctuated_word":"$6,000,","sentiment":"neutral","sentiment_score":0.023161305114626884},{"word":"which","start":613.015,"end":613.175,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.040756165981292725},{"word":"is","start":613.175,"end":613.335,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.017725612968206406},{"word":"the","start":613.335,"end":613.495,"confidence":0.93408203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014009770005941393},{"word":"minimum","start":613.495,"end":613.995,"confidence":0.89453125,"punctuated_word":"minimum.","sentiment":"neutral","sentiment_score":0.007850723341107368},{"word":"so","start":614.12,"end":614.36,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01925653964281082},{"word":"we","start":614.36,"end":614.51996,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.025597548112273216},{"word":"would","start":614.51996,"end":614.75995,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0345316007733345},{"word":"constantly","start":614.75995,"end":615.25995,"confidence":0.99902344,"punctuated_word":"constantly","sentiment":"neutral","sentiment_score":0.02857637032866478},{"word":"be","start":615.32,"end":615.48,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04043383151292801},{"word":"topping","start":615.48,"end":615.8,"confidence":1.0,"punctuated_word":"topping","sentiment":"neutral","sentiment_score":0.07102978974580765},{"word":"it","start":615.8,"end":615.95996,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.078945592045784},{"word":"up","start":615.95996,"end":616.19995,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.09981155395507812},{"word":"every","start":616.19995,"end":616.36,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.0541677288711071},{"word":"couple","start":616.36,"end":616.6,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.041002679616212845},{"word":"of","start":616.6,"end":616.75995,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05253903940320015},{"word":"years","start":616.75995,"end":617.25995,"confidence":1.0,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.06060674414038658},{"word":"fees","start":621.95996,"end":622.19995,"confidence":0.9038086,"punctuated_word":"Fees","sentiment":"neutral","sentiment_score":0.156309574842453},{"word":"would","start":622.19995,"end":622.44,"confidence":0.921875,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1814478486776352},{"word":"work","start":622.44,"end":622.6,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.2913721799850464},{"word":"out","start":622.6,"end":622.75995,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.32579538226127625},{"word":"to","start":622.75995,"end":622.92,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23039183020591736},{"word":"be","start":622.92,"end":623.42,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.23991245031356812},{"word":"realistically","start":628.04,"end":628.54,"confidence":0.9980469,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.08625563234090805},{"word":"it's","start":629.39996,"end":629.745,"confidence":0.8195801,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0949871391057968},{"word":"gonna","start":629.825,"end":630.065,"confidence":0.9770508,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.11361532658338548},{"word":"be","start":630.065,"end":630.145,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14379964768886566},{"word":"copying","start":630.145,"end":630.46497,"confidence":0.7475586,"punctuated_word":"copying","sentiment":"neutral","sentiment_score":0.13750696182250977},{"word":"about","start":630.46497,"end":630.705,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07427618652582169},{"word":"six","start":630.705,"end":630.945,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.11262309551239014},{"word":"or","start":630.945,"end":631.025,"confidence":0.8647461,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07162289321422577},{"word":"7%","start":631.025,"end":631.585,"confidence":1.0,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.1149219125509262},{"word":"of","start":631.585,"end":631.745,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10655412077903748},{"word":"the","start":631.745,"end":631.825,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09119556099176408},{"word":"balance","start":631.825,"end":632.145,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.13294275104999542},{"word":"on","start":632.145,"end":632.385,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14223907887935638},{"word":"the","start":632.385,"end":632.46497,"confidence":0.6699219,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09915344417095184},{"word":"fees","start":632.46497,"end":632.785,"confidence":0.9020996,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.11940564960241318},{"word":"and","start":632.785,"end":632.945,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11462871730327606},{"word":"it'll","start":632.945,"end":633.105,"confidence":0.9445801,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.12182974815368652},{"word":"probably","start":633.105,"end":633.425,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.15262353420257568},{"word":"be","start":633.425,"end":633.585,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11187762022018433},{"word":"earning","start":633.585,"end":633.90497,"confidence":0.99609375,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.12087683379650116},{"word":"around","start":633.90497,"end":634.145,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.13523578643798828},{"word":"seven","start":634.145,"end":634.385,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.12621751427650452},{"word":"or","start":634.385,"end":634.545,"confidence":0.95947266,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09895382821559906},{"word":"8%","start":634.545,"end":635.025,"confidence":1.0,"punctuated_word":"8%","sentiment":"neutral","sentiment_score":0.15937456488609314},{"word":"returns","start":635.025,"end":635.425,"confidence":0.59436035,"punctuated_word":"returns.","sentiment":"neutral","sentiment_score":0.08331657946109772},{"word":"so","start":635.425,"end":635.665,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06825591623783112},{"word":"it's","start":635.665,"end":635.825,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.12133894860744476},{"word":"not","start":635.825,"end":636.065,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1933612674474716},{"word":"really","start":636.065,"end":636.385,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1970574855804443},{"word":"gonna","start":636.385,"end":636.625,"confidence":0.91748047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.15760722756385803},{"word":"actually","start":636.625,"end":636.945,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.15446047484874725},{"word":"go","start":636.945,"end":637.185,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.1958422213792801},{"word":"anywhere","start":637.185,"end":637.685,"confidence":0.9995117,"punctuated_word":"anywhere.","sentiment":"neutral","sentiment_score":-0.24093149602413175},{"word":"it'll","start":637.985,"end":638.485,"confidence":0.9951172,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":-0.08180632442235947},{"word":"stay","start":638.545,"end":638.865,"confidence":0.99316406,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":-0.22442519664764404},{"word":"pretty","start":638.865,"end":639.025,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.2773902118206024},{"word":"well","start":639.025,"end":639.265,"confidence":1.0,"punctuated_word":"well","sentiment":"negative","sentiment_score":-0.40574467182159424},{"word":"stagnant","start":639.265,"end":639.745,"confidence":0.88720703,"punctuated_word":"stagnant","sentiment":"negative","sentiment_score":-0.365262508392334},{"word":"just","start":639.745,"end":639.90497,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.3091304898262024},{"word":"to","start":639.90497,"end":640.065,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3515002727508545},{"word":"fund","start":640.065,"end":640.225,"confidence":0.9863281,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.3156121075153351},{"word":"that","start":640.225,"end":640.46497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2568267583847046},{"word":"little","start":640.46497,"end":640.705,"confidence":0.9819336,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.15959985554218292},{"word":"bit","start":640.705,"end":640.865,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2157367467880249},{"word":"of","start":640.865,"end":641.025,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2796945571899414},{"word":"insurance","start":641.025,"end":641.505,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.18653053045272827},{"word":"cover","start":641.505,"end":642.005,"confidence":1.0,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":-0.19903379678726196},{"word":"if","start":642.33,"end":642.49005,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.13078895211219788},{"word":"you","start":642.49005,"end":642.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10097293555736542},{"word":"don't","start":642.65,"end":643.05005,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10124151408672331},{"word":"value","start":643.05005,"end":643.37006,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.15034660696983335},{"word":"the","start":643.37006,"end":643.53,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1331535279750824},{"word":"insurance","start":643.53,"end":644.01,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.0934891477227211},{"word":"cover","start":644.01,"end":644.51,"confidence":0.99853516,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.0881369411945343},{"word":"it's","start":644.65,"end":644.97003,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.029432080686092377},{"word":"much","start":644.97003,"end":645.13,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.02247585356235504},{"word":"easier","start":645.13,"end":645.45,"confidence":0.9951172,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.07217633724212646},{"word":"to","start":645.45,"end":645.53,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05651414394378662},{"word":"run","start":645.53,"end":645.85004,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":-0.007597580552101135},{"word":"two","start":645.85004,"end":646.09,"confidence":0.9951172,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.043444521725177765},{"word":"super","start":646.09,"end":646.33,"confidence":0.96435547,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.01062975823879242},{"word":"funds","start":646.33,"end":646.65,"confidence":0.9526367,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.009304866194725037},{"word":"than","start":646.65,"end":646.81,"confidence":0.7651367,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.02245868742465973},{"word":"three","start":646.81,"end":647.13,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.02636493742465973},{"word":"and","start":647.13,"end":647.45,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012264370918273926},{"word":"get","start":647.45,"end":647.61005,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06107974797487259},{"word":"it","start":647.61005,"end":647.77,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.033192574977874756},{"word":"growing","start":647.77,"end":648.17004,"confidence":0.9951172,"punctuated_word":"growing","sentiment":"neutral","sentiment_score":0.046342864632606506},{"word":"faster","start":648.17004,"end":648.67004,"confidence":0.9995117,"punctuated_word":"faster.","sentiment":"neutral","sentiment_score":0.0006958581507205963},{"word":"if","start":649.13,"end":649.37006,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0227770134806633},{"word":"you","start":649.37006,"end":649.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0264953151345253},{"word":"do","start":649.53,"end":649.77,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05157226324081421},{"word":"value","start":649.77,"end":650.09,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.00006952881813049316},{"word":"the","start":650.09,"end":650.25,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010373912751674652},{"word":"cover","start":650.25,"end":650.75,"confidence":0.9995117,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.021053496748209},{"word":"we","start":650.81,"end":650.97003,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07199375331401825},{"word":"can","start":650.97003,"end":651.13,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0661267340183258},{"word":"just","start":651.13,"end":651.37006,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04797732084989548},{"word":"switch","start":651.37006,"end":651.61005,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":-0.0003836303949356079},{"word":"where","start":651.61005,"end":651.77,"confidence":0.9892578,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.01404637098312378},{"word":"the","start":651.77,"end":651.93005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008519627153873444},{"word":"contributions","start":651.93005,"end":652.43005,"confidence":0.99121094,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.00400882214307785},{"word":"go","start":652.73004,"end":653.23004,"confidence":0.9970703,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.03494298458099365},{"word":"yep","start":659.225,"end":659.725,"confidence":0.95532227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1543719619512558},{"word":"k","start":661.545,"end":662.045,"confidence":0.8757324,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.2378310263156891},{"word":"i","start":662.58496,"end":662.82495,"confidence":0.9970703,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.47113505005836487},{"word":"can","start":662.82495,"end":663.14496,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.513174295425415},{"word":"absolutely","start":663.14496,"end":663.64496,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.5445840358734131},{"word":"do","start":663.70496,"end":663.865,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.48107054829597473},{"word":"that","start":663.865,"end":664.26495,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.44699549674987793},{"word":"that","start":664.26495,"end":664.505,"confidence":1.0,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.41445910930633545},{"word":"means","start":664.505,"end":664.90497,"confidence":1.0,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.3417585492134094},{"word":"a","start":664.90497,"end":664.985,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3311365246772766},{"word":"little","start":664.985,"end":665.225,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2732437252998352},{"word":"bit","start":665.225,"end":665.385,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2506280839443207},{"word":"less","start":665.385,"end":665.625,"confidence":1.0,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.27812424302101135},{"word":"admin","start":665.625,"end":665.945,"confidence":1.0,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.331525981426239},{"word":"paperwork","start":665.945,"end":666.345,"confidence":0.99121094,"punctuated_word":"paperwork","sentiment":"neutral","sentiment_score":0.2917063236236572},{"word":"for","start":666.345,"end":666.505,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3475571274757385},{"word":"you","start":666.505,"end":666.665,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3612839877605438},{"word":"too","start":666.665,"end":666.82495,"confidence":0.96777344,"punctuated_word":"too","sentiment":"positive","sentiment_score":0.3597244918346405},{"word":"because","start":666.82495,"end":667.14496,"confidence":0.8491211,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2842821776866913},{"word":"the","start":667.14496,"end":667.305,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27577662467956543},{"word":"contributions","start":667.305,"end":667.785,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.1954580396413803},{"word":"are","start":667.785,"end":667.945,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2645775377750397},{"word":"going","start":667.945,"end":668.185,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.3267393410205841},{"word":"to","start":668.185,"end":668.345,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29468366503715515},{"word":"all","start":668.345,"end":668.425,"confidence":0.5859375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.22880172729492188},{"word":"super","start":668.425,"end":668.745,"confidence":0.94189453,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.23197041451931},{"word":"anyway","start":668.745,"end":669.245,"confidence":0.9194336,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.3280487656593323},{"word":"so","start":669.44,"end":669.6,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21561436355113983},{"word":"i","start":669.6,"end":669.76,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2386048585176468},{"word":"can","start":669.76,"end":669.83997,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2776156961917877},{"word":"move","start":669.83997,"end":670.24,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.254707932472229},{"word":"the","start":670.24,"end":670.39996,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24507351219654083},{"word":"funds","start":670.39996,"end":670.72,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.18920253217220304},{"word":"around","start":670.72,"end":671.04,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.2257048636674881},{"word":"through","start":671.04,"end":671.27997,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.20236441493034363},{"word":"rollovers","start":671.27997,"end":671.77997,"confidence":0.9885254,"punctuated_word":"rollovers","sentiment":"neutral","sentiment_score":0.17538699507713318},{"word":"online","start":671.83997,"end":672.33997,"confidence":0.9812012,"punctuated_word":"online,","sentiment":"neutral","sentiment_score":0.1805056631565094},{"word":"update","start":672.8,"end":673.2,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.15399980545043945},{"word":"the","start":673.2,"end":673.36,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19401809573173523},{"word":"portfolio","start":673.36,"end":673.86,"confidence":0.7661133,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.14883995056152344},{"word":"i'll","start":674.32,"end":674.64,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1621190309524536},{"word":"double","start":674.64,"end":674.88,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.09741611778736116},{"word":"check","start":674.88,"end":675.2,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.07219966500997543},{"word":"the","start":675.2,"end":675.36,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1134781762957573},{"word":"income","start":675.36,"end":675.68,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.08282754570245743},{"word":"protection","start":675.68,"end":676.18,"confidence":0.9399414,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.09152594208717346},{"word":"and","start":676.32,"end":676.48,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.131478950381279},{"word":"then","start":676.48,"end":676.72,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.18305613100528717},{"word":"everything","start":676.72,"end":677.04,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.1316644847393036},{"word":"should","start":677.04,"end":677.2,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.1987171173095703},{"word":"be","start":677.2,"end":677.36,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13629156351089478},{"word":"pretty","start":677.36,"end":677.6,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.17676977813243866},{"word":"clean","start":677.6,"end":677.92,"confidence":0.99902344,"punctuated_word":"clean","sentiment":"neutral","sentiment_score":0.1007796823978424},{"word":"after","start":677.92,"end":678.16,"confidence":0.99902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.0757199227809906},{"word":"that","start":678.16,"end":678.66,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1350790560245514},{"word":"cool","start":680.32,"end":680.82,"confidence":0.87939453,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.38768911361694336},{"word":"you","start":681.83997,"end":682.0,"confidence":0.9301758,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.3227117657661438},{"word":"will","start":682.0,"end":682.24,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.33019721508026123},{"word":"have","start":682.24,"end":682.39996,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2597382068634033},{"word":"obviously","start":682.39996,"end":682.8,"confidence":0.6074219,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.24528267979621887},{"word":"another","start":682.8,"end":683.04,"confidence":0.97509766,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.23320424556732175},{"word":"chance","start":683.04,"end":683.36,"confidence":0.80322266,"punctuated_word":"chance.","sentiment":"neutral","sentiment_score":0.253971666097641},{"word":"i'll","start":683.36,"end":683.655,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1950327605009079},{"word":"put","start":683.655,"end":683.815,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.222618967294693},{"word":"this","start":683.815,"end":684.05505,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.22156362235546112},{"word":"together","start":684.05505,"end":684.375,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.2046827971935272},{"word":"in","start":684.375,"end":684.53503,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2117484509944916},{"word":"a","start":684.53503,"end":684.61505,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2046007215976715},{"word":"plan","start":684.61505,"end":684.85504,"confidence":0.9951172,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.1992266476154327},{"word":"with","start":684.85504,"end":684.93506,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20586486160755155},{"word":"the","start":684.93506,"end":685.09503,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21218325197696689},{"word":"updated","start":685.09503,"end":685.49506,"confidence":0.9921875,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.18091969192028048},{"word":"projections","start":685.49506,"end":685.99506,"confidence":0.9921875,"punctuated_word":"projections.","sentiment":"neutral","sentiment_score":0.174017533659935},{"word":"if","start":686.61505,"end":686.85504,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.08135104179382324},{"word":"at","start":686.85504,"end":687.015,"confidence":0.9301758,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0046478137373924255},{"word":"that","start":687.015,"end":687.255,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029697909951210025},{"word":"point","start":687.255,"end":687.755,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.022800758481025696},{"word":"you","start":687.895,"end":688.135,"confidence":0.6225586,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03947491943836212},{"word":"wanna","start":688.135,"end":688.455,"confidence":0.55029297,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.07553470134735107},{"word":"vary","start":688.455,"end":688.695,"confidence":0.99609375,"punctuated_word":"vary","sentiment":"neutral","sentiment_score":0.0027233436703681946},{"word":"the","start":688.695,"end":688.775,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03506778925657272},{"word":"advice","start":688.775,"end":689.09503,"confidence":0.98828125,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.03304247558116913},{"word":"and","start":689.09503,"end":689.255,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.008479021489620209},{"word":"you're","start":689.255,"end":689.49506,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.00048076611710712314},{"word":"not","start":689.49506,"end":689.655,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.013798676431179048},{"word":"comfortable","start":689.655,"end":690.155,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.02649042010307312},{"word":"proceeding","start":690.215,"end":690.61505,"confidence":0.9970703,"punctuated_word":"proceeding","sentiment":"neutral","sentiment_score":0.009081423282623293},{"word":"with","start":690.61505,"end":690.775,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.039689645171165466},{"word":"that","start":690.775,"end":691.275,"confidence":0.9975586,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.05579875037074089},{"word":"you","start":691.335,"end":691.41504,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03729779273271561},{"word":"can","start":691.41504,"end":691.575,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03135354816913605},{"word":"just","start":691.575,"end":691.815,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08976118266582489},{"word":"write","start":691.815,"end":692.135,"confidence":0.99609375,"punctuated_word":"write","sentiment":"neutral","sentiment_score":0.07912366092205048},{"word":"into","start":692.135,"end":692.53503,"confidence":0.984375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.061976440250873566},{"word":"the","start":692.53503,"end":692.695,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1089944988489151},{"word":"plan","start":692.695,"end":693.195,"confidence":1.0,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.1652105152606964},{"word":"how","start":693.335,"end":693.49506,"confidence":0.98291016,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.14364388585090637},{"word":"you","start":693.49506,"end":693.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12214628607034685},{"word":"would","start":693.655,"end":693.895,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.16207028925418854},{"word":"like","start":693.895,"end":694.05505,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1646592617034912},{"word":"to","start":694.05505,"end":694.29504,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1514023244380951},{"word":"implement","start":694.29504,"end":694.695,"confidence":1.0,"punctuated_word":"implement","sentiment":"neutral","sentiment_score":0.13641023635864258},{"word":"it","start":694.695,"end":695.195,"confidence":0.9406738,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14584079384803772},{"word":"and","start":695.335,"end":695.575,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09557390213012695},{"word":"if","start":695.575,"end":695.815,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08837594091892242},{"word":"you","start":695.815,"end":696.05505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09469468891620636},{"word":"do","start":696.05505,"end":696.215,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0911191701889038},{"word":"have","start":696.215,"end":696.375,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07754112780094147},{"word":"second","start":696.375,"end":696.775,"confidence":0.9941406,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.04032855108380318},{"word":"thoughts","start":696.775,"end":697.09503,"confidence":0.9926758,"punctuated_word":"thoughts,","sentiment":"neutral","sentiment_score":0.05159573629498482},{"word":"we","start":697.09503,"end":697.255,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12603417038917542},{"word":"can","start":697.255,"end":697.56,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1247529461979866},{"word":"alter","start":697.64,"end":698.04,"confidence":0.93847656,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":0.1429613083600998},{"word":"what","start":698.04,"end":698.27997,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10538624972105026},{"word":"we","start":698.27997,"end":698.44,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12411659955978394},{"word":"do","start":698.44,"end":698.68,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09543277323246002},{"word":"as","start":698.68,"end":698.84,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0974419116973877},{"word":"well","start":698.84,"end":699.34,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1112157627940178},{"word":"that","start":700.76,"end":701.0,"confidence":0.8852539,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2067166268825531},{"word":"sound","start":701.0,"end":701.24,"confidence":0.9980469,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.16959863901138306},{"word":"okay","start":701.24,"end":701.74,"confidence":0.9995117,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.188681960105896},{"word":"perfect","start":703.48,"end":703.98,"confidence":0.9921875,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5675008893013},{"word":"alright","start":704.27997,"end":704.68,"confidence":0.99658203,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.4255950450897217},{"word":"that","start":704.68,"end":704.84,"confidence":1.0,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.5471296310424805},{"word":"gives","start":704.84,"end":705.08,"confidence":1.0,"punctuated_word":"gives","sentiment":"positive","sentiment_score":0.49508601427078247},{"word":"me","start":705.08,"end":705.32,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.5516849160194397},{"word":"the","start":705.32,"end":705.56,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.539209246635437},{"word":"direction","start":705.56,"end":705.96,"confidence":0.9980469,"punctuated_word":"direction","sentiment":"positive","sentiment_score":0.5572594404220581},{"word":"that","start":705.96,"end":706.2,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.632588267326355},{"word":"i","start":706.2,"end":706.27997,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5603967905044556},{"word":"need","start":706.27997,"end":706.52,"confidence":1.0,"punctuated_word":"need.","sentiment":"positive","sentiment_score":0.5299543142318726},{"word":"do","start":706.52,"end":706.6,"confidence":0.9716797,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.1986375004053116},{"word":"you","start":706.6,"end":706.68,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22527165710926056},{"word":"have","start":706.68,"end":706.84,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19081105291843417},{"word":"any","start":706.84,"end":707.0,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.17638646066188812},{"word":"questions","start":707.0,"end":707.32,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.13777081668376925},{"word":"for","start":707.32,"end":707.48,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1326315551996231},{"word":"me","start":707.48,"end":707.64,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1854293793439865},{"word":"at","start":707.64,"end":707.72,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1410744935274124},{"word":"this","start":707.72,"end":707.96,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.18893101811408997},{"word":"point","start":707.96,"end":708.46,"confidence":1.0,"punctuated_word":"point?","sentiment":"neutral","sentiment_score":0.17453595995903015},{"word":"yep","start":716.295,"end":716.795,"confidence":0.9675293,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05681748688220978},{"word":"so","start":726.79004,"end":727.11005,"confidence":0.72998047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12631383538246155},{"word":"the","start":727.11005,"end":727.35004,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12659849226474762},{"word":"two","start":727.35004,"end":727.75,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.1504649817943573},{"word":"ways","start":727.75,"end":728.07,"confidence":1.0,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.15164993703365326},{"word":"we","start":728.07,"end":728.23004,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19456768035888672},{"word":"can","start":728.23004,"end":728.47003,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20766498148441315},{"word":"do","start":728.47003,"end":728.63,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1933526247739792},{"word":"it","start":728.63,"end":729.11005,"confidence":0.86279297,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.17691445350646973},{"word":"when","start":729.11005,"end":729.35004,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.20568719506263733},{"word":"i","start":729.35004,"end":729.43005,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.26373419165611267},{"word":"put","start":729.43005,"end":729.67004,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2571333944797516},{"word":"together","start":729.67004,"end":729.99005,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.2444624900817871},{"word":"the","start":729.99005,"end":730.15,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2605205476284027},{"word":"updated","start":730.15,"end":730.55005,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2493285983800888},{"word":"plan","start":730.55005,"end":730.87006,"confidence":1.0,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.2486141324043274},{"word":"that","start":730.87006,"end":731.03,"confidence":0.9790039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2640758752822876},{"word":"includes","start":731.03,"end":731.43005,"confidence":1.0,"punctuated_word":"includes","sentiment":"neutral","sentiment_score":0.32178884744644165},{"word":"all","start":731.43005,"end":731.67004,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.29540494084358215},{"word":"the","start":731.67004,"end":731.83,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28469735383987427},{"word":"recommendations","start":731.83,"end":732.33,"confidence":1.0,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.22594843804836273},{"word":"and","start":732.47003,"end":732.71,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2393169403076172},{"word":"strategies","start":732.71,"end":733.21,"confidence":0.9794922,"punctuated_word":"strategies,","sentiment":"neutral","sentiment_score":0.15721571445465088},{"word":"once","start":733.76495,"end":734.08496,"confidence":1.0,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.09623509645462036},{"word":"you","start":734.08496,"end":734.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13421492278575897},{"word":"sign","start":734.165,"end":734.485,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.08153662085533142},{"word":"off","start":734.485,"end":734.64496,"confidence":0.9790039,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.0819455236196518},{"word":"on","start":734.64496,"end":734.805,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12666109204292297},{"word":"that","start":734.805,"end":735.045,"confidence":0.9975586,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.10958807170391084},{"word":"we","start":735.045,"end":735.20496,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13088351488113403},{"word":"can","start":735.20496,"end":735.365,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12093756347894669},{"word":"do","start":735.365,"end":735.445,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1259875446557999},{"word":"a","start":735.445,"end":735.605,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13408204913139343},{"word":"rollover","start":735.605,"end":736.105,"confidence":0.9739583,"punctuated_word":"rollover.","sentiment":"neutral","sentiment_score":0.1002175435423851},{"word":"the","start":736.64496,"end":736.805,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0572710745036602},{"word":"only","start":736.805,"end":737.045,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.039311930537223816},{"word":"other","start":737.045,"end":737.20496,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07987262308597565},{"word":"thing","start":737.20496,"end":737.365,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.09031857550144196},{"word":"that","start":737.365,"end":737.52496,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08779332041740417},{"word":"we","start":737.52496,"end":737.685,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08700855076313019},{"word":"can","start":737.685,"end":737.76495,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1046418845653534},{"word":"do","start":737.76495,"end":738.005,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09046358615159988},{"word":"outside","start":738.005,"end":738.40497,"confidence":0.9980469,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.11426196992397308},{"word":"of","start":738.40497,"end":738.485,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12194454669952393},{"word":"that","start":738.485,"end":738.96497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09372884035110474},{"word":"is","start":738.96497,"end":739.285,"confidence":0.9819336,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.054894234985113144},{"word":"if","start":739.285,"end":739.445,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0942237377166748},{"word":"you","start":739.445,"end":739.52496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08539707213640213},{"word":"give","start":739.52496,"end":739.685,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.04825633764266968},{"word":"us","start":739.685,"end":739.925,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.07441148161888123},{"word":"permission","start":739.925,"end":740.32495,"confidence":1.0,"punctuated_word":"permission","sentiment":"neutral","sentiment_score":0.09817174077033997},{"word":"to","start":740.32495,"end":740.485,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07489491999149323},{"word":"do","start":740.485,"end":740.725,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08086255192756653},{"word":"more","start":740.725,"end":741.225,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05209401622414589},{"word":"regular","start":741.445,"end":741.925,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.0821816623210907},{"word":"rollovers","start":741.925,"end":742.425,"confidence":0.99560547,"punctuated_word":"rollovers","sentiment":"neutral","sentiment_score":0.06870007514953613},{"word":"outside","start":743.045,"end":743.445,"confidence":0.99902344,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.08268750458955765},{"word":"of","start":743.445,"end":743.605,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10736563056707382},{"word":"that","start":743.605,"end":743.925,"confidence":0.9975586,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07278702408075333},{"word":"so","start":743.925,"end":744.165,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09040605276823044},{"word":"normally","start":744.165,"end":744.485,"confidence":0.7067871,"punctuated_word":"normally,","sentiment":"neutral","sentiment_score":0.1134791150689125},{"word":"when","start":744.485,"end":744.725,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12127268314361572},{"word":"we","start":744.725,"end":744.805,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1303657442331314},{"word":"do","start":744.805,"end":744.96497,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13662636280059814},{"word":"a","start":744.96497,"end":745.045,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1281362026929855},{"word":"review","start":745.045,"end":745.545,"confidence":0.9980469,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.08915726840496063},{"word":"we","start":745.7,"end":745.94,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09227915108203888},{"word":"see","start":745.94,"end":746.1,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09679453819990158},{"word":"how","start":746.1,"end":746.33997,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.07443476468324661},{"word":"much","start":746.33997,"end":746.66,"confidence":0.9980469,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.08560934662818909},{"word":"it's","start":746.66,"end":746.82,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.120314858853817},{"word":"built","start":746.82,"end":747.14,"confidence":1.0,"punctuated_word":"built","sentiment":"neutral","sentiment_score":0.165804922580719},{"word":"up","start":747.14,"end":747.3,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2124722450971603},{"word":"to","start":747.3,"end":747.46,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16035744547843933},{"word":"be","start":747.46,"end":747.96,"confidence":0.9147949,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.13340464234352112},{"word":"we'll","start":748.02,"end":748.42,"confidence":0.967041,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.17075437307357788},{"word":"update","start":748.42,"end":748.82,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.19254286587238312},{"word":"your","start":748.82,"end":749.06,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21837443113327024},{"word":"plan","start":749.06,"end":749.56,"confidence":0.8540039,"punctuated_word":"plan.","sentiment":"neutral","sentiment_score":0.2055843025445938},{"word":"you","start":749.7,"end":749.94,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1555664986371994},{"word":"sign","start":749.94,"end":750.18,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.1086691841483116},{"word":"off","start":750.18,"end":750.42,"confidence":0.89868164,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.12310434877872468},{"word":"then","start":750.42,"end":750.66,"confidence":0.9892578,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13877877593040466},{"word":"we","start":750.66,"end":750.74,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1582924872636795},{"word":"can","start":750.74,"end":750.9,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12316492199897766},{"word":"move","start":750.9,"end":751.14,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.09872817248106004},{"word":"funds","start":751.14,"end":751.46,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.07765942811965942},{"word":"around","start":751.46,"end":751.96,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.1016271561384201},{"word":"unless","start":752.26,"end":752.66,"confidence":0.68847656,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":0.12664902210235596},{"word":"you","start":752.66,"end":753.06,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11352773010730743},{"word":"stipulate","start":753.06,"end":753.56,"confidence":0.9558919,"punctuated_word":"stipulate,","sentiment":"neutral","sentiment_score":0.08777939528226852},{"word":"hey","start":753.94,"end":754.44,"confidence":0.8220215,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":0.07101156562566757},{"word":"stop","start":755.06,"end":755.38,"confidence":0.99609375,"punctuated_word":"Stop","sentiment":"neutral","sentiment_score":-0.06449896097183228},{"word":"asking","start":755.38,"end":755.7,"confidence":1.0,"punctuated_word":"asking","sentiment":"neutral","sentiment_score":-0.05833784490823746},{"word":"me","start":755.7,"end":755.77997,"confidence":0.9951172,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.014802902936935425},{"word":"every","start":755.77997,"end":756.02,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.06361377239227295},{"word":"year","start":756.02,"end":756.26,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.020579390227794647},{"word":"to","start":756.26,"end":756.42,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01943250745534897},{"word":"do","start":756.42,"end":756.58,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.025452665984630585},{"word":"this","start":756.58,"end":756.98,"confidence":0.9951172,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.05365796014666557},{"word":"please","start":756.98,"end":757.3,"confidence":0.99902344,"punctuated_word":"Please","sentiment":"neutral","sentiment_score":0.052608754485845566},{"word":"just","start":757.3,"end":757.54,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08514709025621414},{"word":"move","start":757.54,"end":758.02,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.07460969686508179},{"word":"x","start":758.02,"end":758.26,"confidence":0.9892578,"punctuated_word":"x","sentiment":"neutral","sentiment_score":0.08293706178665161},{"word":"amount","start":758.26,"end":758.76,"confidence":0.8798828,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.07098545134067535},{"word":"unless","start":758.9,"end":759.38,"confidence":0.9902344,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":0.05023152008652687},{"word":"necessary","start":759.38,"end":759.88,"confidence":0.99902344,"punctuated_word":"necessary","sentiment":"neutral","sentiment_score":0.02441488578915596},{"word":"to","start":759.94,"end":760.1,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04587915167212486},{"word":"discuss","start":760.1,"end":760.515,"confidence":0.9941406,"punctuated_word":"discuss.","sentiment":"neutral","sentiment_score":0.05026234686374664},{"word":"once","start":768.675,"end":768.995,"confidence":0.9941406,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.04053676128387451},{"word":"a","start":768.995,"end":769.155,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06003481149673462},{"word":"year","start":769.155,"end":769.395,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.062170565128326416},{"word":"would","start":769.395,"end":769.555,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07104171812534332},{"word":"be","start":769.555,"end":770.055,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06593841314315796},{"word":"the","start":770.59503,"end":771.075,"confidence":0.90234375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06457912921905518},{"word":"sort","start":771.075,"end":771.315,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06444579362869263},{"word":"of","start":771.315,"end":771.47504,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06647035479545593},{"word":"middle","start":771.47504,"end":771.715,"confidence":0.99316406,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":0.0672188326716423},{"word":"ground","start":771.715,"end":772.215,"confidence":0.89941406,"punctuated_word":"ground.","sentiment":"neutral","sentiment_score":0.09398840367794035},{"word":"we","start":773.075,"end":773.315,"confidence":0.8286133,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1172102764248848},{"word":"do","start":773.315,"end":773.47504,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.138042613863945},{"word":"have","start":773.47504,"end":773.635,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10711881518363953},{"word":"a","start":773.635,"end":773.715,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10741773992776872},{"word":"couple","start":773.715,"end":773.955,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.11182121187448502},{"word":"of","start":773.955,"end":774.03503,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10209998488426208},{"word":"clients","start":774.03503,"end":774.35504,"confidence":1.0,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.1071677953004837},{"word":"that","start":774.35504,"end":774.515,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08722522854804993},{"word":"we","start":774.515,"end":774.675,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07405254244804382},{"word":"do","start":774.675,"end":774.995,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0825631245970726},{"word":"every","start":774.995,"end":775.315,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.06474217772483826},{"word":"six","start":775.315,"end":775.555,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.05080314725637436},{"word":"months","start":775.555,"end":775.955,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.09038471430540083},{"word":"for","start":775.955,"end":776.455,"confidence":0.7807617,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":0.0784984827041626},{"word":"probably","start":776.81,"end":777.20996,"confidence":0.99902344,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":0.04384344443678856},{"word":"not","start":777.20996,"end":777.45,"confidence":0.98095703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.004411052912473679},{"word":"more","start":777.45,"end":777.69,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.007984571158885956},{"word":"often","start":777.69,"end":778.01,"confidence":1.0,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.025240369141101837},{"word":"than","start":778.01,"end":778.25,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.0157536119222641},{"word":"that","start":778.25,"end":778.75,"confidence":0.967041,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.005820238962769508},{"word":"need","start":778.89,"end":779.13,"confidence":0.48632812,"punctuated_word":"Need","sentiment":"neutral","sentiment_score":-0.06431113928556442},{"word":"a","start":779.13,"end":779.20996,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03136441484093666},{"word":"bit","start":779.20996,"end":779.37,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.041842229664325714},{"word":"of","start":779.37,"end":779.45,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.035404548048973083},{"word":"time","start":779.45,"end":779.69,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.011576905846595764},{"word":"for","start":779.69,"end":779.93,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0401068851351738},{"word":"contributions","start":779.93,"end":780.43,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.03953526169061661},{"word":"to","start":780.49,"end":780.64996,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016155734658241272},{"word":"build","start":780.64996,"end":780.89,"confidence":1.0,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.10724496841430664},{"word":"up","start":780.89,"end":781.05,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.12435785681009293},{"word":"and","start":781.05,"end":781.55,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04177729785442352},{"word":"make","start":781.61,"end":781.85,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.03204665333032608},{"word":"sure","start":781.85,"end":782.01,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0027882084250450134},{"word":"you're","start":782.01,"end":782.17,"confidence":0.8588867,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.022380121052265167},{"word":"not","start":782.17,"end":782.33,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0650702565908432},{"word":"copying","start":782.33,"end":782.57,"confidence":0.97998047,"punctuated_word":"copying","sentiment":"neutral","sentiment_score":-0.1343761384487152},{"word":"any","start":782.57,"end":782.81,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.14575228095054626},{"word":"exit","start":782.81,"end":783.13,"confidence":0.99609375,"punctuated_word":"exit","sentiment":"neutral","sentiment_score":-0.13980241119861603},{"word":"fees","start":783.13,"end":783.37,"confidence":0.99316406,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.09853991121053696},{"word":"or","start":783.37,"end":783.52997,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.17485712468624115},{"word":"anything","start":783.52997,"end":783.85,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.0992954820394516},{"word":"like","start":783.85,"end":784.01,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.10160475224256516},{"word":"that","start":784.01,"end":784.51,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.05125928297638893},{"word":"it","start":788.73,"end":788.89,"confidence":0.9248047,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2618224620819092},{"word":"still","start":788.89,"end":789.13,"confidence":0.97998047,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2692073583602905},{"word":"averages","start":789.13,"end":789.61,"confidence":0.99902344,"punctuated_word":"averages","sentiment":"neutral","sentiment_score":0.3058648109436035},{"word":"out","start":789.61,"end":789.93,"confidence":0.9370117,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.3148787021636963},{"word":"so","start":789.93,"end":790.25,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19968292117118835},{"word":"even","start":790.25,"end":790.49,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.17531923949718475},{"word":"though","start":790.49,"end":790.64996,"confidence":1.0,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.0856778472661972},{"word":"it's","start":790.64996,"end":790.81,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.153114914894104},{"word":"kind","start":790.81,"end":790.97,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11715956032276154},{"word":"of","start":790.97,"end":791.13,"confidence":0.7385254,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.13642849028110504},{"word":"let's","start":791.13,"end":791.29,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.17317736148834229},{"word":"say","start":791.29,"end":791.37,"confidence":0.94750977,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.17130954563617706},{"word":"it","start":791.37,"end":791.52997,"confidence":0.8461914,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22785401344299316},{"word":"grows","start":791.52997,"end":791.85,"confidence":1.0,"punctuated_word":"grows","sentiment":"neutral","sentiment_score":0.2708051800727844},{"word":"at","start":791.85,"end":792.135,"confidence":0.984375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2578495740890503},{"word":"8%","start":792.375,"end":792.935,"confidence":1.0,"punctuated_word":"8%","sentiment":"neutral","sentiment_score":0.2427592575550079},{"word":"in","start":792.935,"end":793.175,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24268381297588348},{"word":"australian","start":793.175,"end":793.655,"confidence":0.9941406,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.23860713839530945},{"word":"super","start":793.655,"end":793.895,"confidence":0.5332031,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.3034188151359558},{"word":"and","start":793.895,"end":794.135,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21977391839027405},{"word":"10%","start":794.135,"end":794.695,"confidence":1.0,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.29262638092041016},{"word":"in","start":794.695,"end":794.935,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24171872437000275},{"word":"in","start":794.935,"end":795.175,"confidence":0.9604492,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2911044955253601},{"word":"the","start":795.175,"end":795.335,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29141539335250854},{"word":"main","start":795.335,"end":795.655,"confidence":0.9980469,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.28131112456321716},{"word":"fund","start":795.655,"end":796.155,"confidence":0.6586914,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.2168036103248596},{"word":"and","start":796.215,"end":796.375,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18652406334877017},{"word":"then","start":796.375,"end":796.615,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1872385740280151},{"word":"we","start":796.615,"end":796.695,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19345392286777496},{"word":"roll","start":796.695,"end":796.935,"confidence":0.9506836,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.2524182200431824},{"word":"it","start":796.935,"end":797.09503,"confidence":0.9526367,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2548854947090149},{"word":"across","start":797.09503,"end":797.41504,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.1632750928401947},{"word":"in","start":797.41504,"end":797.575,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20496317744255063},{"word":"six","start":797.575,"end":797.815,"confidence":0.79589844,"punctuated_word":"six,","sentiment":"neutral","sentiment_score":0.20511311292648315},{"word":"twelve","start":797.815,"end":798.055,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.2321285456418991},{"word":"months","start":798.055,"end":798.455,"confidence":0.9770508,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.1679479479789734},{"word":"time","start":798.455,"end":798.955,"confidence":0.73413086,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.25686806440353394},{"word":"that'll","start":799.175,"end":799.495,"confidence":0.9543457,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.2654232680797577},{"word":"accelerate","start":799.495,"end":799.995,"confidence":1.0,"punctuated_word":"accelerate","sentiment":"positive","sentiment_score":0.3496461510658264},{"word":"till","start":800.215,"end":800.715,"confidence":0.52197266,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.2492238283157349},{"word":"then","start":801.015,"end":801.255,"confidence":0.6977539,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.27572664618492126},{"word":"until","start":801.255,"end":801.575,"confidence":0.984375,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.15400031208992004},{"word":"retirement","start":801.575,"end":802.075,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.21082532405853271},{"word":"until","start":802.375,"end":802.695,"confidence":0.51220703,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.18804949522018433},{"word":"the","start":802.695,"end":802.855,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2984526753425598},{"word":"next","start":802.855,"end":803.175,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.23400741815567017},{"word":"lot","start":803.175,"end":803.41504,"confidence":0.5053711,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.1952936351299286},{"word":"comes","start":803.41504,"end":803.655,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.2714062035083771},{"word":"in","start":803.655,"end":803.895,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29321107268333435},{"word":"as","start":803.895,"end":804.055,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23015952110290527},{"word":"well","start":804.055,"end":804.555,"confidence":0.9975586,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2051168233156204},{"word":"so","start":804.695,"end":805.195,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13863451778888702},{"word":"that","start":805.48,"end":805.72003,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08592072129249573},{"word":"kind","start":805.72003,"end":805.96,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11838992685079576},{"word":"of","start":805.96,"end":806.2,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10612603276968002},{"word":"six","start":806.2,"end":806.44,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.13099585473537445},{"word":"months","start":806.44,"end":806.84,"confidence":0.9970703,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.16369405388832092},{"word":"doesn't","start":806.84,"end":807.24,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.09349189698696136},{"word":"make","start":807.24,"end":807.74,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.006523057818412781},{"word":"too","start":807.88,"end":808.12,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.05208960175514221},{"word":"much","start":808.12,"end":808.36,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.04259003698825836},{"word":"of","start":808.36,"end":808.44,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01794987916946411},{"word":"a","start":808.44,"end":808.60004,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06494814902544022},{"word":"difference","start":808.60004,"end":809.0,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.025786086916923523},{"word":"where","start":809.0,"end":809.16003,"confidence":0.99609375,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.03594255447387695},{"word":"it","start":809.16003,"end":809.24,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.003254532814025879},{"word":"would","start":809.24,"end":809.48,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.027445629239082336},{"word":"be","start":809.48,"end":809.56,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.030359089374542236},{"word":"a","start":809.56,"end":809.72003,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10685239732265472},{"word":"concern","start":809.72003,"end":810.2,"confidence":1.0,"punctuated_word":"concern","sentiment":"neutral","sentiment_score":-0.12998726963996887},{"word":"for","start":810.2,"end":810.36,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.025141939520835876},{"word":"me","start":810.36,"end":810.86,"confidence":0.9692383,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.0605243518948555},{"word":"but","start":811.16003,"end":811.66003,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.13895416259765625},{"word":"we","start":811.72003,"end":811.88,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2294895350933075},{"word":"always","start":811.88,"end":812.28,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.19245925545692444},{"word":"follow","start":812.28,"end":812.60004,"confidence":1.0,"punctuated_word":"follow","sentiment":"neutral","sentiment_score":0.2510349452495575},{"word":"your","start":812.60004,"end":812.76,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3506088852882385},{"word":"instructions","start":812.76,"end":813.26,"confidence":1.0,"punctuated_word":"instructions.","sentiment":"neutral","sentiment_score":0.29786717891693115},{"word":"okay","start":815.96,"end":816.46,"confidence":0.8786621,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.29252487421035767},{"word":"cool","start":819.0,"end":819.405,"confidence":0.99609375,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5582138299942017},{"word":"from","start":820.36505,"end":820.765,"confidence":0.9316406,"punctuated_word":"From","sentiment":"positive","sentiment_score":0.3742014169692993},{"word":"here","start":820.765,"end":821.16504,"confidence":0.88793945,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.3093966841697693},{"word":"because","start":821.16504,"end":821.48505,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.308811753988266},{"word":"i've","start":821.48505,"end":821.645,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.31223389506340027},{"word":"had","start":821.645,"end":821.885,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.3009948432445526},{"word":"a","start":821.885,"end":821.965,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.38637077808380127},{"word":"couple","start":821.965,"end":822.465,"confidence":1.0,"punctuated_word":"couple","sentiment":"positive","sentiment_score":0.348125696182251},{"word":"of","start":822.60504,"end":822.92505,"confidence":0.9951172,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3793666660785675},{"word":"openings","start":822.92505,"end":823.325,"confidence":0.99902344,"punctuated_word":"openings","sentiment":"positive","sentiment_score":0.3690049052238464},{"word":"for","start":823.325,"end":823.565,"confidence":0.9980469,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4211166501045227},{"word":"next","start":823.565,"end":823.72504,"confidence":1.0,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.3694886565208435},{"word":"week","start":823.72504,"end":823.965,"confidence":0.80200195,"punctuated_word":"week,","sentiment":"positive","sentiment_score":0.3826877474784851},{"word":"i","start":823.965,"end":824.04504,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.37845319509506226},{"word":"just","start":824.04504,"end":824.28503,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2894347310066223},{"word":"know","start":824.28503,"end":824.78503,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2527274489402771},{"word":"i'm","start":824.92505,"end":825.085,"confidence":0.9147949,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2999477982521057},{"word":"booking","start":825.085,"end":825.48505,"confidence":0.8730469,"punctuated_word":"booking","sentiment":"positive","sentiment_score":0.4323218166828155},{"word":"out","start":825.48505,"end":825.645,"confidence":0.9838867,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3736151456832886},{"word":"at","start":825.645,"end":825.72504,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.30337977409362793},{"word":"the","start":825.72504,"end":825.80505,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3750619888305664},{"word":"moment","start":825.80505,"end":826.30505,"confidence":0.8937988,"punctuated_word":"moment.","sentiment":"positive","sentiment_score":0.3676595389842987},{"word":"would","start":827.16504,"end":827.325,"confidence":0.90527344,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.23293352127075195},{"word":"you","start":827.325,"end":827.48505,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30109044909477234},{"word":"have","start":827.48505,"end":827.645,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2274552583694458},{"word":"a","start":827.645,"end":827.72504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29884791374206543},{"word":"bit","start":827.72504,"end":827.965,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2524451017379761},{"word":"of","start":827.965,"end":828.04504,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2563789486885071},{"word":"time","start":828.04504,"end":828.36505,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2935316562652588},{"word":"maybe","start":828.36505,"end":828.68506,"confidence":0.7998047,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.24042874574661255},{"word":"next","start":828.68506,"end":828.92505,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.25797659158706665},{"word":"wednesday","start":828.92505,"end":829.405,"confidence":0.9904785,"punctuated_word":"Wednesday,","sentiment":"neutral","sentiment_score":0.2915131449699402},{"word":"thursday","start":829.405,"end":829.80505,"confidence":1.0,"punctuated_word":"Thursday","sentiment":"neutral","sentiment_score":0.287349671125412},{"word":"to","start":829.80505,"end":829.965,"confidence":0.86865234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29440218210220337},{"word":"run","start":829.965,"end":830.125,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.30067870020866394},{"word":"through","start":830.125,"end":830.36505,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3404155373573303},{"word":"that","start":830.36505,"end":830.525,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4042963683605194},{"word":"plan","start":830.525,"end":830.765,"confidence":0.99902344,"punctuated_word":"plan","sentiment":"positive","sentiment_score":0.4112778306007385},{"word":"together","start":830.765,"end":831.265,"confidence":0.99902344,"punctuated_word":"together?","sentiment":"neutral","sentiment_score":0.2804107964038849},{"word":"yeah","start":844.65,"end":844.97003,"confidence":0.78027344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.30509719252586365},{"word":"that's","start":844.97003,"end":845.265,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3922247886657715},{"word":"no","start":845.265,"end":845.505,"confidence":0.9873047,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.3786596357822418},{"word":"worries","start":845.505,"end":845.745,"confidence":1.0,"punctuated_word":"worries","sentiment":"positive","sentiment_score":0.3953033089637756},{"word":"at","start":845.745,"end":846.245,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5395033955574036},{"word":"all","start":850.54504,"end":851.04504,"confidence":0.9975586,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.0713082104921341},{"word":"and","start":854.145,"end":854.465,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19490352272987368},{"word":"if","start":854.465,"end":854.625,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1958606243133545},{"word":"it","start":854.625,"end":854.78503,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22231118381023407},{"word":"helps","start":854.78503,"end":855.10504,"confidence":1.0,"punctuated_word":"helps","sentiment":"neutral","sentiment_score":0.20899125933647156},{"word":"too","start":855.10504,"end":855.425,"confidence":0.77075195,"punctuated_word":"too,","sentiment":"neutral","sentiment_score":0.1824911832809448},{"word":"just","start":855.425,"end":855.66504,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17269326746463776},{"word":"while","start":855.66504,"end":855.905,"confidence":0.9863281,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.15819156169891355},{"word":"you're","start":855.905,"end":855.985,"confidence":0.9909668,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1744239777326584},{"word":"grabbing","start":855.985,"end":856.305,"confidence":1.0,"punctuated_word":"grabbing","sentiment":"neutral","sentiment_score":0.17249733209609985},{"word":"that","start":856.305,"end":856.54504,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1530655324459076},{"word":"up","start":856.54504,"end":857.04504,"confidence":0.9716797,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.16064536571502686},{"word":"i","start":857.745,"end":857.905,"confidence":0.7783203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16225877404212952},{"word":"do","start":857.905,"end":858.385,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.152151420712471},{"word":"early","start":858.385,"end":858.885,"confidence":0.9951172,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.17039605975151062},{"word":"on","start":859.185,"end":859.34503,"confidence":0.99121094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17594169080257416},{"word":"a","start":859.34503,"end":859.59,"confidence":0.96972656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15051278471946716},{"word":"monday","start":859.67004,"end":859.91003,"confidence":0.9824219,"punctuated_word":"Monday,","sentiment":"neutral","sentiment_score":0.1284317672252655},{"word":"friday","start":859.91003,"end":860.41003,"confidence":0.83935547,"punctuated_word":"Friday,","sentiment":"neutral","sentiment_score":0.12720155715942383},{"word":"and","start":860.71,"end":861.03,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12145891040563583},{"word":"late","start":861.03,"end":861.27,"confidence":0.9970703,"punctuated_word":"late","sentiment":"neutral","sentiment_score":0.12810803949832916},{"word":"nights","start":861.27,"end":861.51,"confidence":0.90478516,"punctuated_word":"nights","sentiment":"neutral","sentiment_score":0.10796762257814407},{"word":"on","start":861.51,"end":861.67004,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14263615012168884},{"word":"a","start":861.67004,"end":861.75,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14821651577949524},{"word":"tuesday","start":861.75,"end":862.23004,"confidence":0.99902344,"punctuated_word":"Tuesday,","sentiment":"neutral","sentiment_score":0.13148757815361023},{"word":"wednesday","start":862.23004,"end":862.63,"confidence":0.9970703,"punctuated_word":"Wednesday,","sentiment":"neutral","sentiment_score":0.12431339919567108},{"word":"thursday","start":862.63,"end":863.13,"confidence":0.74035645,"punctuated_word":"Thursday,","sentiment":"neutral","sentiment_score":0.11270009726285934},{"word":"so","start":863.19,"end":863.59,"confidence":0.98828125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15488992631435394},{"word":"if","start":863.59,"end":863.83,"confidence":0.50878906,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17153871059417725},{"word":"that","start":863.83,"end":863.99005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2007515579462051},{"word":"helps","start":863.99005,"end":864.49005,"confidence":0.98217773,"punctuated_word":"helps.","sentiment":"neutral","sentiment_score":0.14359119534492493},{"word":"perfect","start":873.14496,"end":873.385,"confidence":0.9597168,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6996876001358032},{"word":"can","start":873.385,"end":873.46497,"confidence":1.0,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.20121392607688904},{"word":"i","start":873.46497,"end":873.625,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21449801325798035},{"word":"give","start":873.625,"end":873.785,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.23363234102725983},{"word":"you","start":873.785,"end":874.02496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2516847848892212},{"word":"a","start":874.02496,"end":874.105,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2439323663711548},{"word":"call","start":874.105,"end":874.505,"confidence":0.97753906,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.14929038286209106},{"word":"like","start":874.505,"end":874.745,"confidence":0.99560547,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.13508060574531555},{"word":"wednesday","start":874.745,"end":875.14496,"confidence":0.99902344,"punctuated_word":"Wednesday","sentiment":"neutral","sentiment_score":0.12301258742809296},{"word":"after","start":875.14496,"end":875.46497,"confidence":0.9790039,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.10511042177677156},{"word":"lunchtime","start":875.46497,"end":875.96497,"confidence":0.9904785,"punctuated_word":"lunchtime","sentiment":"neutral","sentiment_score":0.13986457884311676},{"word":"around","start":876.02496,"end":876.52496,"confidence":0.9404297,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.11269888281822205},{"word":"01:30","start":876.665,"end":877.40497,"confidence":0.9970703,"punctuated_word":"01:30?","sentiment":"neutral","sentiment_score":0.1189032644033432},{"word":"amazing","start":881.065,"end":881.565,"confidence":0.9941406,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.7049336433410645},{"word":"what","start":881.945,"end":882.185,"confidence":0.7338867,"punctuated_word":"What","sentiment":"positive","sentiment_score":0.5193783640861511},{"word":"i'll","start":882.185,"end":882.265,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.44176942110061646},{"word":"do","start":882.265,"end":882.505,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4482293725013733},{"word":"is","start":882.505,"end":882.58496,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.39486756920814514},{"word":"i'll","start":882.58496,"end":882.665,"confidence":0.9980469,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.32951653003692627},{"word":"get","start":882.665,"end":882.90497,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3413361608982086},{"word":"the","start":882.90497,"end":882.985,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3151310682296753},{"word":"team","start":882.985,"end":883.225,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.33242660760879517},{"word":"to","start":883.225,"end":883.305,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35793325304985046},{"word":"send","start":883.305,"end":883.545,"confidence":1.0,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.3886657953262329},{"word":"that","start":883.545,"end":883.865,"confidence":0.9970703,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3742801249027252},{"word":"little","start":883.865,"end":884.185,"confidence":0.9970703,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3757656216621399},{"word":"reminder","start":884.185,"end":884.665,"confidence":1.0,"punctuated_word":"reminder","sentiment":"positive","sentiment_score":0.35899630188941956},{"word":"text","start":884.665,"end":884.90497,"confidence":0.9970703,"punctuated_word":"text","sentiment":"positive","sentiment_score":0.3997877240180969},{"word":"message","start":884.90497,"end":885.14496,"confidence":1.0,"punctuated_word":"message","sentiment":"positive","sentiment_score":0.39365023374557495},{"word":"out","start":885.14496,"end":885.385,"confidence":0.99609375,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.385624885559082},{"word":"beforehand","start":885.385,"end":885.885,"confidence":1.0,"punctuated_word":"beforehand","sentiment":"positive","sentiment_score":0.3820009231567383},{"word":"just","start":886.02496,"end":886.265,"confidence":0.9013672,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.364485502243042},{"word":"in","start":886.265,"end":886.345,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3279860317707062},{"word":"case","start":886.345,"end":886.58496,"confidence":1.0,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.30543822050094604},{"word":"if","start":886.58496,"end":886.825,"confidence":0.9902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3582432270050049},{"word":"we","start":886.825,"end":886.985,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.30005213618278503},{"word":"need","start":886.985,"end":887.14496,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.29111146926879883},{"word":"to","start":887.14496,"end":887.46497,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3464076817035675},{"word":"move","start":887.46497,"end":887.70496,"confidence":1.0,"punctuated_word":"move","sentiment":"positive","sentiment_score":0.3429344594478607},{"word":"it","start":887.70496,"end":887.865,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3247823715209961},{"word":"around","start":887.865,"end":888.185,"confidence":1.0,"punctuated_word":"around","sentiment":"positive","sentiment_score":0.35074275732040405},{"word":"a","start":888.185,"end":888.265,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32336604595184326},{"word":"little","start":888.265,"end":888.505,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.28408366441726685},{"word":"bit","start":888.505,"end":888.75,"confidence":0.83032227,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.2955353260040283},{"word":"but","start":888.83,"end":888.99,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.3068479299545288},{"word":"i","start":888.99,"end":889.15,"confidence":0.9980469,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3613127470016479},{"word":"just","start":889.15,"end":889.23,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.32507413625717163},{"word":"thought","start":889.23,"end":889.63,"confidence":0.9980469,"punctuated_word":"thought","sentiment":"positive","sentiment_score":0.4738588333129883},{"word":"much","start":889.63,"end":889.87,"confidence":0.92089844,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4415445327758789},{"word":"easier","start":889.87,"end":890.11,"confidence":0.98095703,"punctuated_word":"easier","sentiment":"positive","sentiment_score":0.43983450531959534},{"word":"to","start":890.11,"end":890.27,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4023762345314026},{"word":"just","start":890.27,"end":890.77,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4062715172767639},{"word":"finalize","start":890.91,"end":891.39,"confidence":0.9995117,"punctuated_word":"finalize","sentiment":"positive","sentiment_score":0.3970097303390503},{"word":"these","start":891.39,"end":891.63,"confidence":0.9819336,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.46655699610710144},{"word":"last","start":891.63,"end":891.87,"confidence":1.0,"punctuated_word":"last","sentiment":"positive","sentiment_score":0.39051976799964905},{"word":"couple","start":891.87,"end":892.11,"confidence":1.0,"punctuated_word":"couple","sentiment":"positive","sentiment_score":0.35101667046546936},{"word":"of","start":892.11,"end":892.27,"confidence":0.99609375,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.40244606137275696},{"word":"pieces","start":892.27,"end":892.77,"confidence":0.96606445,"punctuated_word":"pieces,","sentiment":"positive","sentiment_score":0.35714590549468994},{"word":"get","start":893.07,"end":893.23,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.41056162118911743},{"word":"you","start":893.23,"end":893.39,"confidence":0.98828125,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4476822912693024},{"word":"booked","start":893.39,"end":893.63,"confidence":0.9980469,"punctuated_word":"booked","sentiment":"positive","sentiment_score":0.4048588275909424},{"word":"in","start":893.63,"end":893.79,"confidence":0.9951172,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4137643575668335},{"word":"on","start":893.79,"end":893.87,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4129887521266937},{"word":"wednesday","start":893.87,"end":894.19,"confidence":0.9794922,"punctuated_word":"Wednesday,","sentiment":"positive","sentiment_score":0.3632821440696716},{"word":"and","start":894.19,"end":894.35,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.40476614236831665},{"word":"then","start":894.35,"end":894.51,"confidence":1.0,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.3967014849185944},{"word":"we","start":894.51,"end":894.67,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4183008372783661},{"word":"can","start":894.67,"end":894.83,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4595704078674317},{"word":"pretty","start":894.83,"end":894.99,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5313842296600342},{"word":"much","start":894.99,"end":895.23,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5574703216552734},{"word":"implement","start":895.23,"end":895.55,"confidence":0.99902344,"punctuated_word":"implement","sentiment":"positive","sentiment_score":0.481797456741333},{"word":"it","start":895.55,"end":895.79,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5289453864097595},{"word":"straight","start":895.79,"end":896.03,"confidence":1.0,"punctuated_word":"straight","sentiment":"positive","sentiment_score":0.4855344295501709},{"word":"away","start":896.03,"end":896.53,"confidence":0.6262207,"punctuated_word":"away,","sentiment":"positive","sentiment_score":0.4474536776542664},{"word":"and","start":896.59,"end":896.75,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34657126665115356},{"word":"you","start":896.75,"end":896.99,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3943178057670593},{"word":"won't","start":896.99,"end":897.15,"confidence":0.99902344,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.2725680470466614},{"word":"have","start":897.15,"end":897.31,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21387521922588348},{"word":"to","start":897.31,"end":897.47,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1972339153289795},{"word":"wait","start":897.47,"end":897.97,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.16838335990905762},{"word":"to","start":898.27,"end":898.43,"confidence":0.5053711,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19922485947608948},{"word":"the","start":898.43,"end":898.51,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2172010242938995},{"word":"end","start":898.51,"end":898.67,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.19749833643436432},{"word":"of","start":898.67,"end":898.75,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23520949482917783},{"word":"the","start":898.75,"end":898.91,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19445286691188812},{"word":"month","start":898.91,"end":899.07,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.19568771123886108},{"word":"or","start":899.07,"end":899.23,"confidence":0.95947266,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.23858052492141724},{"word":"anything","start":899.23,"end":899.55,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.20454850792884827},{"word":"like","start":899.55,"end":899.71,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.18012917041778564},{"word":"that","start":899.71,"end":900.21,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1940183788537979},{"word":"01:30","start":906.125,"end":906.865,"confidence":0.98583984,"punctuated_word":"01:30","sentiment":"neutral","sentiment_score":0.031478382647037506},{"word":"on","start":907.16504,"end":907.325,"confidence":0.9863281,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03255247697234154},{"word":"the","start":907.325,"end":907.485,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02946213260293007},{"word":"ninth","start":907.485,"end":907.965,"confidence":0.8054199,"punctuated_word":"ninth,","sentiment":"neutral","sentiment_score":0.02938816323876381},{"word":"if","start":907.965,"end":908.205,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.024234214797616005},{"word":"possible","start":908.205,"end":908.705,"confidence":0.99853516,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.01905137300491333},{"word":"yep","start":914.205,"end":914.705,"confidence":0.9367676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09791304916143416},{"word":"would","start":915.02997,"end":915.19,"confidence":0.97802734,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.11103278398513794},{"word":"it","start":915.19,"end":915.26996,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12281912565231325},{"word":"be","start":915.26996,"end":915.43,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16714784502983093},{"word":"helpful","start":915.43,"end":915.75,"confidence":1.0,"punctuated_word":"helpful","sentiment":"neutral","sentiment_score":0.13283877074718475},{"word":"if","start":915.75,"end":916.25,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17382635176181793},{"word":"i","start":916.55,"end":916.70996,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14832349121570587},{"word":"invited","start":916.70996,"end":917.11,"confidence":0.98095703,"punctuated_word":"invited","sentiment":"neutral","sentiment_score":0.18468345701694489},{"word":"your","start":917.11,"end":917.43,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12234961986541748},{"word":"email","start":917.43,"end":917.75,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.12718182802200317},{"word":"address","start":917.75,"end":917.99,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.12072248011827467},{"word":"for","start":917.99,"end":918.23,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15119920670986176},{"word":"a","start":918.23,"end":918.31,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14430929720401764},{"word":"calendar","start":918.31,"end":918.70996,"confidence":0.99609375,"punctuated_word":"calendar","sentiment":"neutral","sentiment_score":0.1030089259147644},{"word":"invite","start":918.70996,"end":919.02997,"confidence":0.9970703,"punctuated_word":"invite?","sentiment":"neutral","sentiment_score":0.11564327031373978},{"word":"does","start":919.02997,"end":919.19,"confidence":0.9970703,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.07900692522525787},{"word":"that","start":919.19,"end":919.35,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1259070187807083},{"word":"does","start":919.35,"end":919.50995,"confidence":0.9970703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.10836413502693176},{"word":"that","start":919.50995,"end":919.75,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10422249883413316},{"word":"help","start":919.75,"end":920.25,"confidence":0.9995117,"punctuated_word":"help?","sentiment":"neutral","sentiment_score":0.061428509652614594},{"word":"gotcha","start":927.67,"end":928.095,"confidence":0.835612,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":-0.005949179641902447},{"word":"that's","start":931.535,"end":931.77496,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09264709800481796},{"word":"alright","start":931.77496,"end":932.27496,"confidence":0.99316406,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.09953133761882782},{"word":"again","start":932.65497,"end":932.89496,"confidence":0.8312988,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.08251447975635529},{"word":"i'll","start":932.89496,"end":932.975,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09597402811050416},{"word":"send","start":932.975,"end":933.21497,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.10011857002973557},{"word":"you","start":933.21497,"end":933.295,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09092947840690611},{"word":"the","start":933.295,"end":933.45496,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08001148700714111},{"word":"text","start":933.45496,"end":933.69495,"confidence":1.0,"punctuated_word":"text","sentiment":"neutral","sentiment_score":0.0981765016913414},{"word":"message","start":933.69495,"end":934.095,"confidence":1.0,"punctuated_word":"message","sentiment":"neutral","sentiment_score":0.0711509957909584},{"word":"beforehand","start":934.095,"end":934.57495,"confidence":0.763916,"punctuated_word":"beforehand,","sentiment":"neutral","sentiment_score":0.08495472371578217},{"word":"but","start":934.57495,"end":934.81494,"confidence":0.953125,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.0759173035621643},{"word":"yeah","start":934.81494,"end":935.295,"confidence":0.9975586,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.08264845609664917},{"word":"01:30","start":935.295,"end":935.935,"confidence":0.9995117,"punctuated_word":"01:30","sentiment":"neutral","sentiment_score":0.07524516433477402},{"word":"on","start":935.935,"end":936.175,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07012468576431274},{"word":"wednesday","start":936.175,"end":936.57495,"confidence":0.79418945,"punctuated_word":"Wednesday,","sentiment":"neutral","sentiment_score":0.07666116952896118},{"word":"the","start":936.57495,"end":936.81494,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07341602444648743},{"word":"ninth","start":936.81494,"end":937.31494,"confidence":0.82299805,"punctuated_word":"ninth,","sentiment":"neutral","sentiment_score":0.0977691411972046},{"word":"we","start":937.45496,"end":937.615,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11694560199975967},{"word":"can","start":937.615,"end":937.77496,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10929812490940094},{"word":"run","start":937.77496,"end":938.01495,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.14187666773796082},{"word":"through","start":938.01495,"end":938.175,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10631591081619264},{"word":"that","start":938.175,"end":938.415,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13281837105751038},{"word":"plan","start":938.415,"end":938.65497,"confidence":0.97509766,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.09937725961208344},{"word":"together","start":938.65497,"end":939.15497,"confidence":1.0,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.07843677699565887},{"word":"awesome","start":941.76996,"end":942.01,"confidence":0.9980469,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.5504128336906433},{"word":"anything","start":942.01,"end":942.32996,"confidence":0.99902344,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.28931137919425964},{"word":"else","start":942.32996,"end":942.57,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.23465535044670105},{"word":"i","start":942.57,"end":942.64996,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.201626256108284},{"word":"can","start":942.64996,"end":942.81,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19823399186134336},{"word":"do","start":942.81,"end":942.97,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20661325752735135},{"word":"before","start":942.97,"end":943.20996,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.21191149950027463},{"word":"i","start":943.20996,"end":943.29,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10584957152605055},{"word":"let","start":943.29,"end":943.37,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1146228238940239},{"word":"you","start":943.37,"end":943.45,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1816856861114502},{"word":"go","start":943.45,"end":943.69,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17424830794334412},{"word":"there","start":943.69,"end":943.93,"confidence":0.9970703,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.2620682418346405},{"word":"shane","start":943.93,"end":944.43,"confidence":0.97924805,"punctuated_word":"Shane?","sentiment":"neutral","sentiment_score":0.17514728009700775},{"word":"you","start":950.89,"end":951.13,"confidence":0.99609375,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.20406807959079745},{"word":"make","start":951.13,"end":951.37,"confidence":0.98828125,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.24161934852600095},{"word":"the","start":951.37,"end":951.87,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2971009314060211},{"word":"the","start":951.93,"end":952.08997,"confidence":0.57128906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26877832412719727},{"word":"decisions","start":952.08997,"end":952.49,"confidence":0.96875,"punctuated_word":"decisions","sentiment":"neutral","sentiment_score":0.24165087938308716},{"word":"you","start":952.49,"end":952.64996,"confidence":0.9770508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28444287180900574},{"word":"can","start":952.64996,"end":952.89,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.29705268144607544},{"word":"with","start":952.89,"end":953.05,"confidence":0.9980469,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.37429487705230713},{"word":"the","start":953.05,"end":953.20996,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3554733693599701},{"word":"information","start":953.20996,"end":953.69,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.2893708348274231},{"word":"in","start":953.69,"end":953.85,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2914160490036011},{"word":"front","start":953.85,"end":954.01,"confidence":1.0,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.33133193850517273},{"word":"of","start":954.01,"end":954.17,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3081704378128052},{"word":"you","start":954.17,"end":954.32996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.303711473941803},{"word":"and","start":954.32996,"end":954.49,"confidence":0.8745117,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24780422449111936},{"word":"just","start":954.49,"end":954.73,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.27452534437179565},{"word":"hope","start":954.73,"end":954.97,"confidence":1.0,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.3175933361053467},{"word":"that","start":954.97,"end":955.13,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3503403067588806},{"word":"it","start":955.13,"end":955.29,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3316996395587921},{"word":"kind","start":955.29,"end":955.45,"confidence":0.9472656,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.279722660779953},{"word":"of","start":955.45,"end":955.61,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3197273910045624},{"word":"fits","start":955.61,"end":955.93,"confidence":0.99902344,"punctuated_word":"fits","sentiment":"neutral","sentiment_score":0.32181233167648315},{"word":"you","start":955.93,"end":956.08997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31599485874176025},{"word":"personally","start":956.08997,"end":956.58997,"confidence":0.98291016,"punctuated_word":"personally.","sentiment":"neutral","sentiment_score":0.25738033652305603},{"word":"and","start":956.985,"end":957.485,"confidence":0.8334961,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.1338689923286438},{"word":"again","start":958.185,"end":958.685,"confidence":0.9343262,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.1280505210161209},{"word":"if","start":959.065,"end":959.305,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14979806542396543},{"word":"we","start":959.305,"end":959.46497,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1283564269542694},{"word":"need","start":959.46497,"end":959.705,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0910988226532936},{"word":"to","start":959.705,"end":960.105,"confidence":0.9941406,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.08958804607391357},{"word":"we","start":960.105,"end":960.265,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11211510002613068},{"word":"do","start":960.265,"end":960.505,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1156960129737854},{"word":"tend","start":960.505,"end":960.745,"confidence":1.0,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.13496795296669006},{"word":"to","start":960.745,"end":960.825,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11667121946811676},{"word":"change","start":960.825,"end":961.145,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.13782161474227905},{"word":"it","start":961.145,"end":961.46497,"confidence":0.99658203,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.09060826897621156},{"word":"so","start":961.46497,"end":961.945,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08276621997356415},{"word":"if","start":961.945,"end":962.105,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11239635944366456},{"word":"something","start":962.105,"end":962.425,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.09676076471805573},{"word":"happens","start":962.425,"end":962.825,"confidence":0.98706055,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":0.12132135033607484},{"word":"yes","start":962.825,"end":963.145,"confidence":0.7570801,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":0.11283311992883682},{"word":"let's","start":963.145,"end":963.305,"confidence":0.99853516,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.10473303496837616},{"word":"say","start":963.305,"end":963.545,"confidence":0.9980469,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.11806303262710573},{"word":"caresuper","start":963.545,"end":964.045,"confidence":0.77856445,"punctuated_word":"CareSuper","sentiment":"neutral","sentiment_score":0.1110733598470688},{"word":"goes","start":964.185,"end":964.685,"confidence":0.73168945,"punctuated_word":"goes.","sentiment":"neutral","sentiment_score":0.0980806052684784},{"word":"there","start":964.985,"end":965.225,"confidence":1.0,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.07788832485675812},{"word":"are","start":965.225,"end":965.385,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10697013884782793},{"word":"other","start":965.385,"end":965.625,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.11603640019893646},{"word":"funds","start":965.625,"end":965.945,"confidence":0.99902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.10223455727100372},{"word":"that","start":965.945,"end":966.105,"confidence":0.890625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.056568510830402374},{"word":"do","start":966.105,"end":966.345,"confidence":0.81591797,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06541314721107483},{"word":"defaults","start":966.345,"end":966.845,"confidence":0.79003906,"punctuated_word":"defaults,","sentiment":"neutral","sentiment_score":0.10412178933620451},{"word":"and","start":966.90497,"end":967.225,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0978165864944458},{"word":"i","start":967.225,"end":967.305,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09864893555641174},{"word":"can","start":967.305,"end":967.545,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1115979701280594},{"word":"always","start":967.545,"end":968.045,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.13239610195159912},{"word":"kind","start":968.585,"end":968.745,"confidence":0.9716797,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07806870341300964},{"word":"of","start":968.745,"end":969.065,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1132793426513672},{"word":"refresh","start":969.065,"end":969.385,"confidence":1.0,"punctuated_word":"refresh","sentiment":"neutral","sentiment_score":0.07099507749080658},{"word":"a","start":969.385,"end":969.625,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11224696785211564},{"word":"similar","start":969.625,"end":970.025,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.15717847645282745},{"word":"position","start":970.025,"end":970.525,"confidence":1.0,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.14774328470230105},{"word":"if","start":970.585,"end":970.825,"confidence":0.98828125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13852033019065857},{"word":"we","start":970.825,"end":970.90497,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.110284686088562},{"word":"ever","start":970.90497,"end":971.225,"confidence":0.9863281,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.14628252387046814},{"word":"need","start":971.225,"end":971.46,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0845484584569931},{"word":"to","start":982.9,"end":983.4,"confidence":0.99560547,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.07280738651752472},{"word":"easy","start":991.63495,"end":992.035,"confidence":0.53759766,"punctuated_word":"Easy","sentiment":"positive","sentiment_score":0.3463345170021057},{"word":"done","start":992.035,"end":992.355,"confidence":0.9921875,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.1847093403339386},{"word":"alright","start":992.355,"end":992.83496,"confidence":0.99609375,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.10222101211547852},{"word":"leave","start":992.83496,"end":992.995,"confidence":0.99902344,"punctuated_word":"Leave","sentiment":"neutral","sentiment_score":0.06303761899471283},{"word":"it","start":992.995,"end":993.15497,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08988463878631592},{"word":"with","start":993.15497,"end":993.315,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07276210933923721},{"word":"me","start":993.315,"end":993.63495,"confidence":0.9975586,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.12228027731180192},{"word":"i'll","start":993.63495,"end":993.875,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0866282507777214},{"word":"finish","start":993.875,"end":994.19495,"confidence":1.0,"punctuated_word":"finish","sentiment":"neutral","sentiment_score":0.0500505194067955},{"word":"off","start":994.19495,"end":994.51495,"confidence":0.9941406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.09680050611495972},{"word":"these","start":994.51495,"end":995.01495,"confidence":0.97802734,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.11215294152498244},{"word":"couple","start":995.475,"end":995.71497,"confidence":0.86865234,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.09444362670183182},{"word":"of","start":995.71497,"end":995.875,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11850279569625854},{"word":"calls","start":995.875,"end":996.19495,"confidence":1.0,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.095048725605011},{"word":"for","start":996.19495,"end":996.355,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11118382960557938},{"word":"the","start":996.355,"end":996.51495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08969201892614365},{"word":"insurance","start":996.51495,"end":997.01495,"confidence":0.8535156,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.0964592918753624},{"word":"and","start":997.32,"end":997.82,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08481156826019287},{"word":"and","start":998.68,"end":998.76,"confidence":0.8671875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08892527222633362},{"word":"then","start":998.76,"end":999.0,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0947459116578102},{"word":"i'll","start":999.0,"end":999.24,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1228574365377426},{"word":"be","start":999.24,"end":999.4,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13432425260543823},{"word":"speaking","start":999.4,"end":999.72003,"confidence":1.0,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.15620067715644836},{"word":"to","start":999.72003,"end":999.88,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13879156112670898},{"word":"you","start":999.88,"end":1000.28,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18420732021331787},{"word":"next","start":1000.28,"end":1000.60004,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1449055373668671},{"word":"wednesday","start":1000.60004,"end":1001.10004,"confidence":1.0,"punctuated_word":"Wednesday.","sentiment":"neutral","sentiment_score":0.12364840507507324},{"word":"awesome","start":1003.72003,"end":1004.12,"confidence":0.9838867,"punctuated_word":"Awesome,","sentiment":"positive","sentiment_score":0.8624743223190308},{"word":"jane","start":1004.12,"end":1004.36005,"confidence":0.9265137,"punctuated_word":"Jane.","sentiment":"positive","sentiment_score":0.8012861013412476},{"word":"have","start":1004.36005,"end":1004.52,"confidence":1.0,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.8157922625541687},{"word":"a","start":1004.52,"end":1004.68,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7997641563415527},{"word":"fantastic","start":1004.68,"end":1005.18,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.8641365170478821},{"word":"evening","start":1005.24,"end":1005.56,"confidence":1.0,"punctuated_word":"evening","sentiment":"positive","sentiment_score":0.8267432451248169},{"word":"and","start":1005.56,"end":1005.72003,"confidence":0.9902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.8688969016075134},{"word":"weekend","start":1005.72003,"end":1006.04004,"confidence":0.7753906,"punctuated_word":"weekend,","sentiment":"positive","sentiment_score":0.7796996831893921},{"word":"and","start":1006.04004,"end":1006.28,"confidence":0.90625,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7843599319458008},{"word":"i'll","start":1006.28,"end":1006.36005,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.7572259902954102},{"word":"talk","start":1006.36005,"end":1006.60004,"confidence":1.0,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.7247843146324158},{"word":"to","start":1006.60004,"end":1006.76,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7437697649002075},{"word":"you","start":1006.76,"end":1006.84,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6929212212562561},{"word":"soon","start":1006.84,"end":1007.34,"confidence":1.0,"punctuated_word":"soon.","sentiment":"positive","sentiment_score":0.6321611404418945},{"word":"thank","start":1009.32,"end":1009.56,"confidence":0.98095703,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4900926649570465},{"word":"you","start":1009.56,"end":1009.72003,"confidence":0.9995117,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.461735725402832},{"word":"mate","start":1009.72003,"end":1010.12,"confidence":0.99316406,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.5134650468826294},{"word":"bye","start":1010.12,"end":1010.62,"confidence":0.99902344,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.1084357425570488}],"paragraphs":{"transcript":"\nHi, Shane. You're through to Tommy here, mate. How are you doing? I'm living the dream. It's a beautiful evening so far, but thank you so much for calling back in.\n\nThat's fair enough. I won't take too much of your time this evening. I essentially just wanted to give you a couple of updates on our research. Couple of little things I wanted to run by you as well, and then I'm pretty well good to have your plan finalized for next week. Now just as a quick little recap, what we've been doing in the background.\n\nSo we were talking about updating the portfolio for the server, possibly moving some funds between the accounts. So I've got all the updated portfolio comparisons done. Looks very, very good. We weren't really doing anything estate planning wise. We have been investigating the insurances and researching CareSuper and AustralianSuper just to try and keep those going.\n\nDoes that ring a bell? Now one of the things too that we talked about was income protection for the the train driving occupation. Now there is a couple of providers that we've found that they ensure, like, firefighters, and that's one of the kind of top three, basically, trained drivers, firefighters, and pilots are the top three in that single category that tend to get restricted. So I'm just waiting to hear back from them to see if they will offer income protection, and that should come back through in the next couple of days, probably tomorrow or Monday as well. Now the other yeah.\n\nNo. It's just one of the things where those three occupations are normally covered through the employer themselves, and they do consider they do actually consider those three to be high risk, but most of them are they tend to be covered through, you know, like, public sector employment bargaining agreements and things like that. So it's not an area that's pretty common to get cover for. Same thing with, like, Qantas pilots. Qantas has their own, like, income protection and things like that.\n\nThere was only ever one insurer that would ever look at those guys. Now the other thing too surprise. Sorry. Yeah. How many trains crash?\n\nHow many Qantas planes crash? I think and correct me if I'm wrong too. Part of the risk analysis that the insurers do is around body function leading to doing the role. So, you know, the old tradie there who's using his fingers or the surgeon tends to have a lot of difficulty even if their finger's broken, that kind of thing. I'm not sure what what your job will be like with with those things if you had, like, a broken leg or or a hand or something.\n\nWould they just basically say you're not allowed to operate or or anything like that? Yeah. Yeah. Yeah. Absolutely.\n\nWhereas I can go in in a wheelchair, and I can still do a few phone calls. So yes. Even if you'd be able to do it, the employee would probably just put a put a no on that until you get back from sick leave or something like that. Absolutely. Yeah.\n\nYeah. So I don't look. I don't like the chances too much, but, again, there's a couple that are possible. And what I'll come back to you with is if they are gonna insure it, if they get to offer you what they call, like, a special risk or ADL definitions, they're very, very, very restrictive and and almost not worth the paper they're written on. The one that you're aiming for is a similar definition to your TPD cover where it's like, if you can't work any occupation you're reasonably suited to, well, then you made a definition that you can be paid.\n\nSo a lot less restrictive. So, again, I I wanna make sure if I do find something, it's gonna be a value for the price that you'd pay for it. The other thing too, and forgive me for not bringing this up upfront, but we got the research back from CareSuper and AustralianSuper, and we've had a a lapse of your CareSuper insurances. Apparently, when we contacted them, they've been sending out letters or something for a good period of time between October and April, and they've temporarily canceled the insurances that are in CareSoup. Let's have a look.\n\nWe've got King Street, Wallin, Victoria, and that's the one that they've got on the statement. I wonder if they had opted for some super funds have switched from from letters to emails. So you might have something sitting there in an inbox somewhere. Not a 100% certain what email you might have linked with them. They don't show it to me.\n\nShouldn't be any different. Yep. And you're pretty on top of your emails, I believe. If something popped up three, four times final final payment notice, you'd probably have noticed that. Yeah.\n\nI do have some solutions, though. I never come into a conversation without a solution. The Australian Super and Care Super have a really good way of dealing with dormant cover where a contribution can reactivate it straight away. So what we would need to do, Care Super requires an employer contribution, whereas Australian Super could do it off of an opt in notice and a small ad hoc contribution. So I wanted to run by you the idea of potentially switching the contributions to go to CareSuper and then opting into AustralianSuper.\n\nThat's the the safest way to maintain those. Well, the portfolio was a bit rough, to be honest. There's 7,386 in there. Last check. Well, the main the main portfolio in in the hub is obviously the driver for returns.\n\nThe main reason for CareSoup is, I guess, the activatable cover I'm seeing here, $3,034,000 of life insurance, 23,000 of TPD, total disability cover. So that's essentially the reason to keep it if you value having those two. If not, there's almost no reason to keep it in those types of investments. Yes. So we've got 30,000 worth of life insurance with AusSuper, 7,000 worth of TPD, and they've also got a little bit of income protection in there for you.\n\n$2,800. So I know it's very small, but that can be added on to work cover percentages, accident, injury, and illness. So Australian Superstore Hat does have a bit of cover. Correct. Let me have a look.\n\nI'm just gonna grab up the admin fee structure because Yeah. The premiums let me have a look at the premiums here. So $324 per annum for the life and disability insurance. And the main driver when it comes to admin fees for the account is if it's a flat dollar fee, it eats into it quite a lot. If it's a percentage based, then it doesn't really matter what the balance is.\n\nSo we've got another $67.60 plus 0.15% as well. So they do have a flat fee, a percentage fee, and the insurance premiums. So you're talking about $4,500 worth of fees coming out per year. I have a quick look because they also they also need to maintain it above $6,000, which is the minimum. So we would constantly be topping it up every couple of years.\n\nFees would work out to be realistically, it's gonna be copying about six or 7% of the balance on the fees, and it'll probably be earning around seven or 8% returns. So it's not really gonna actually go anywhere. It'll stay pretty well stagnant just to fund that little bit of insurance cover. If you don't value the insurance cover, it's much easier to run two super funds than three and get it growing faster. If you do value the cover, we can just switch where the contributions go.\n\nYep. K. I can absolutely do that. That means a little bit less admin paperwork for you too because the contributions are going to all super anyway. So I can move the funds around through rollovers online, update the portfolio.\n\nI'll double check the income protection, and then everything should be pretty clean after that. Cool. You will have obviously another chance. I'll put this together in a plan with the updated projections. If at that point you wanna vary the advice and you're not comfortable proceeding with that, you can just write into the plan how you would like to implement it.\n\nAnd if you do have second thoughts, we can alter what we do as well. That sound okay? Perfect. Alright. That gives me the direction that I need.\n\nDo you have any questions for me at this point? Yep. So the two ways we can do it, when I put together the updated plan that includes all the recommendations and strategies, Once you sign off on that, we can do a rollover. The only other thing that we can do outside of that is if you give us permission to do more regular rollovers outside of that. So normally, when we do a review, we see how much it's built up to be.\n\nWe'll update your plan. You sign off, then we can move funds around unless you stipulate, hey. Stop asking me every year to do this. Please just move x amount unless necessary to discuss. Once a year would be the sort of middle ground.\n\nWe do have a couple of clients that we do every six months for. Probably not more often than that. Need a bit of time for contributions to build up and make sure you're not copying any exit fees or anything like that. It still averages out. So even though it's kind of, let's say, it grows at 8% in Australian super and 10% in in the main fund, and then we roll it across in six, twelve months time, that'll accelerate till then until retirement until the next lot comes in as well.\n\nSo that kind of six months doesn't make too much of a difference where it would be a concern for me, but we always follow your instructions. Okay. Cool. From here, because I've had a couple of openings for next week, I just know I'm booking out at the moment. Would you have a bit of time maybe next Wednesday, Thursday to run through that plan together?\n\nYeah. That's no worries at all. And if it helps too, just while you're grabbing that up, I do early on a Monday, Friday, and late nights on a Tuesday, Wednesday, Thursday, so if that helps. Perfect. Can I give you a call, like, Wednesday after lunchtime around 01:30?\n\nAmazing. What I'll do is I'll get the team to send that little reminder text message out beforehand just in case if we need to move it around a little bit. But I just thought much easier to just finalize these last couple of pieces, get you booked in on Wednesday, and then we can pretty much implement it straight away, and you won't have to wait to the end of the month or anything like that. 01:30 on the ninth, if possible. Yep.\n\nWould it be helpful if I invited your email address for a calendar invite? Does that does that help? Gotcha. That's alright. Again, I'll send you the text message beforehand, but, yeah, 01:30 on Wednesday, the ninth, we can run through that plan together.\n\nAwesome. Anything else I can do before I let you go there, Shane? You make the the decisions you can with the information in front of you and just hope that it kind of fits you personally. And, again, if we need to, we do tend to change it. So if something happens, yes, let's say CareSuper goes.\n\nThere are other funds that do defaults, and I can always kind of refresh a similar position if we ever need to. Easy done. Alright. Leave it with me. I'll finish off these couple of calls for the insurance, and and then I'll be speaking to you next Wednesday.\n\nAwesome, Jane. Have a fantastic evening and weekend, and I'll talk to you soon. Thank you, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Shane.","start":1.76,"end":2.32,"sentiment":"neutral","sentiment_score":0.1760236993432045},{"text":"You're through to Tommy here, mate.","start":2.32,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.21551897873481116},{"text":"How are you doing?","start":3.6799998,"end":4.5,"sentiment":"neutral","sentiment_score":0.2531699761748314},{"text":"I'm living the dream.","start":6.3199997,"end":7.2799997,"sentiment":"positive","sentiment_score":0.6829992383718491},{"text":"It's a beautiful evening so far, but thank you so much for calling back in.","start":7.2799997,"end":10.66,"sentiment":"positive","sentiment_score":0.744197952747345}],"sentiment":"positive","sentiment_score":0.5339615296932959,"num_words":31,"start":1.76,"end":10.66},{"sentences":[{"text":"That's fair enough.","start":23.634998,"end":24.615,"sentiment":"neutral","sentiment_score":0.03502584621310234},{"text":"I won't take too much of your time this evening.","start":25.949999,"end":28.369999,"sentiment":"neutral","sentiment_score":-0.019565438106656074},{"text":"I essentially just wanted to give you a couple of updates on our research.","start":28.429998,"end":32.449997,"sentiment":"neutral","sentiment_score":0.2405682493533407},{"text":"Couple of little things I wanted to run by you as well, and then I'm pretty well good to have your plan finalized for next week.","start":33.79,"end":43.225,"sentiment":"positive","sentiment_score":0.4166391675288861},{"text":"Now just as a quick little recap, what we've been doing in the background.","start":43.225,"end":47.785,"sentiment":"neutral","sentiment_score":0.06290346038128648}],"sentiment":"neutral","sentiment_score":0.22374097685982933,"num_words":67,"start":23.634998,"end":47.785},{"sentences":[{"text":"So we were talking about updating the portfolio for the server, possibly moving some funds between the accounts.","start":47.785,"end":55.864998,"sentiment":"neutral","sentiment_score":0.07442308776080608},{"text":"So I've got all the updated portfolio comparisons done.","start":55.864998,"end":59.620003,"sentiment":"neutral","sentiment_score":0.16609796384970346},{"text":"Looks very, very good.","start":59.68,"end":60.9,"sentiment":"positive","sentiment_score":0.4976687803864479},{"text":"We weren't really doing anything estate planning wise.","start":62.32,"end":64.9,"sentiment":"neutral","sentiment_score":-0.11682155262678862},{"text":"We have been investigating the insurances and researching CareSuper and AustralianSuper just to try and keep those going.","start":65.520004,"end":72.275,"sentiment":"neutral","sentiment_score":-0.008200738165113661}],"sentiment":"neutral","sentiment_score":0.06566643277019785,"num_words":57,"start":47.785,"end":72.275},{"sentences":[{"text":"Does that ring a bell?","start":72.275,"end":73.335,"sentiment":"neutral","sentiment_score":0.0018626991659402843},{"text":"Now one of the things too that we talked about was income protection for the the train driving occupation.","start":74.835,"end":81.335,"sentiment":"neutral","sentiment_score":0.01589015694825273},{"text":"Now there is a couple of providers that we've found that they ensure, like, firefighters, and that's one of the kind of top three, basically, trained drivers, firefighters, and pilots are the top three in that single category that tend to get restricted.","start":82.035,"end":99.41,"sentiment":"neutral","sentiment_score":0.042419498699695565},{"text":"So I'm just waiting to hear back from them to see if they will offer income protection, and that should come back through in the next couple of days, probably tomorrow or Monday as well.","start":99.965,"end":110.545,"sentiment":"neutral","sentiment_score":0.09480240132127489},{"text":"Now the other yeah.","start":113.645,"end":118.049995,"sentiment":"neutral","sentiment_score":-0.09490578062832355}],"sentiment":"neutral","sentiment_score":0.04786533816664849,"num_words":106,"start":72.275,"end":118.049995},{"sentences":[{"text":"No.","start":118.049995,"end":118.28999,"sentiment":"neutral","sentiment_score":-0.0714268833398819},{"text":"It's just one of the things where those three occupations are normally covered through the employer themselves, and they do consider they do actually consider those three to be high risk, but most of them are they tend to be covered through, you know, like, public sector employment bargaining agreements and things like that.","start":118.28999,"end":137.215,"sentiment":"neutral","sentiment_score":-0.18579491255459962},{"text":"So it's not an area that's pretty common to get cover for.","start":137.215,"end":140.515,"sentiment":"neutral","sentiment_score":-0.16874006142218909},{"text":"Same thing with, like, Qantas pilots.","start":142.17499,"end":143.875,"sentiment":"neutral","sentiment_score":0.013997131337722143},{"text":"Qantas has their own, like, income protection and things like that.","start":144.0,"end":147.06,"sentiment":"neutral","sentiment_score":-0.056769691069017754}],"sentiment":"neutral","sentiment_score":-0.15082996085818326,"num_words":84,"start":118.049995,"end":147.06},{"sentences":[{"text":"There was only ever one insurer that would ever look at those guys.","start":147.76,"end":150.82,"sentiment":"neutral","sentiment_score":-0.08551348172701322},{"text":"Now the other thing too surprise.","start":152.56,"end":155.2,"sentiment":"neutral","sentiment_score":-0.10632788700362046},{"text":"Sorry.","start":155.2,"end":155.7,"sentiment":"neutral","sentiment_score":-0.15909425914287567},{"text":"Yeah.","start":161.135,"end":161.635,"sentiment":"neutral","sentiment_score":-0.08910146355628967},{"text":"How many trains crash?","start":163.055,"end":164.575,"sentiment":"neutral","sentiment_score":-0.15656235069036484}],"sentiment":"neutral","sentiment_score":-0.10496350839734077,"num_words":25,"start":147.76,"end":164.575},{"sentences":[{"text":"How many Qantas planes crash?","start":164.575,"end":166.355,"sentiment":"neutral","sentiment_score":-0.1704216793179512},{"text":"I think and correct me if I'm wrong too.","start":166.495,"end":168.83499,"sentiment":"neutral","sentiment_score":-0.2551799764235814},{"text":"Part of the risk analysis that the insurers do is around body function leading to doing the role.","start":169.0,"end":176.62,"sentiment":"neutral","sentiment_score":-0.18675768375396729},{"text":"So, you know, the old tradie there who's using his fingers or the surgeon tends to have a lot of difficulty even if their finger's broken, that kind of thing.","start":176.76,"end":186.225,"sentiment":"neutral","sentiment_score":-0.31766212582588194},{"text":"I'm not sure what what your job will be like with with those things if you had, like, a broken leg or or a hand or something.","start":186.365,"end":191.96501,"sentiment":"neutral","sentiment_score":-0.2827536116043727}],"sentiment":"neutral","sentiment_score":-0.2660064919108755,"num_words":89,"start":164.575,"end":191.96501},{"sentences":[{"text":"Would they just basically say you're not allowed to operate or or anything like that?","start":191.96501,"end":195.78,"sentiment":"neutral","sentiment_score":-0.25719605982303617},{"text":"Yeah.","start":218.435,"end":218.935,"sentiment":"neutral","sentiment_score":-0.020352816209197044},{"text":"Yeah.","start":219.81,"end":220.31,"sentiment":"neutral","sentiment_score":-0.03114928118884563},{"text":"Yeah.","start":233.09,"end":233.48999,"sentiment":"neutral","sentiment_score":-0.03580779582262039},{"text":"Absolutely.","start":233.48999,"end":233.98999,"sentiment":"neutral","sentiment_score":-0.031666968017816544}],"sentiment":"neutral","sentiment_score":-0.20931146097810646,"num_words":19,"start":191.96501,"end":233.98999},{"sentences":[{"text":"Whereas I can go in in a wheelchair, and I can still do a few phone calls.","start":241.305,"end":244.58499,"sentiment":"neutral","sentiment_score":0.1449086359318565},{"text":"So yes.","start":244.58499,"end":255.87999,"sentiment":"neutral","sentiment_score":-0.010101854801177979},{"text":"Even if you'd be able to do it, the employee would probably just put a put a no on that until you get back from sick leave or something like that.","start":255.87999,"end":264.90503,"sentiment":"neutral","sentiment_score":-0.20402225167039903},{"text":"Absolutely.","start":265.545,"end":266.045,"sentiment":"neutral","sentiment_score":0.06407932937145233},{"text":"Yeah.","start":267.545,"end":268.025,"sentiment":"neutral","sentiment_score":0.005415953695774078}],"sentiment":"neutral","sentiment_score":-0.07330675802838343,"num_words":52,"start":241.305,"end":268.025},{"sentences":[{"text":"Yeah.","start":268.025,"end":268.525,"sentiment":"neutral","sentiment_score":-0.046314239501953125},{"text":"So I don't look.","start":268.745,"end":271.065,"sentiment":"neutral","sentiment_score":-0.19121967069804668},{"text":"I don't like the chances too much, but, again, there's a couple that are possible.","start":271.065,"end":274.9,"sentiment":"neutral","sentiment_score":-0.2440514435370763},{"text":"And what I'll come back to you with is if they are gonna insure it, if they get to offer you what they call, like, a special risk or ADL definitions, they're very, very, very restrictive and and almost not worth the paper they're written on.","start":275.28,"end":289.065,"sentiment":"neutral","sentiment_score":-0.3313276802554079},{"text":"The one that you're aiming for is a similar definition to your TPD cover where it's like, if you can't work any occupation you're reasonably suited to, well, then you made a definition that you can be paid.","start":290.105,"end":301.065,"sentiment":"neutral","sentiment_score":-0.06586911130733297}],"sentiment":"neutral","sentiment_score":-0.2136160009305548,"num_words":104,"start":268.025,"end":301.065},{"sentences":[{"text":"So a lot less restrictive.","start":301.065,"end":304.76,"sentiment":"neutral","sentiment_score":-0.015581557899713518},{"text":"So, again, I I wanna make sure if I do find something, it's gonna be a value for the price that you'd pay for it.","start":304.76,"end":310.46002,"sentiment":"neutral","sentiment_score":0.3055634844303131},{"text":"The other thing too, and forgive me for not bringing this up upfront, but we got the research back from CareSuper and AustralianSuper, and we've had a a lapse of your CareSuper insurances.","start":312.76,"end":324.235,"sentiment":"neutral","sentiment_score":-0.13141023898215004},{"text":"Apparently, when we contacted them, they've been sending out letters or something for a good period of time between October and April, and they've temporarily canceled the insurances that are in CareSoup.","start":325.175,"end":337.25,"sentiment":"negative","sentiment_score":-0.3577512353658676},{"text":"Let's have a look.","start":341.39,"end":342.11002,"sentiment":"neutral","sentiment_score":0.00585356595547637}],"sentiment":"neutral","sentiment_score":-0.08282811952563181,"num_words":99,"start":301.065,"end":342.11002},{"sentences":[{"text":"We've got King Street, Wallin, Victoria, and that's the one that they've got on the statement.","start":342.11002,"end":354.935,"sentiment":"neutral","sentiment_score":-0.0026754164427984506},{"text":"I wonder if they had opted for some super funds have switched from from letters to emails.","start":360.42,"end":365.96,"sentiment":"neutral","sentiment_score":-0.07149019946946818},{"text":"So you might have something sitting there in an inbox somewhere.","start":366.34,"end":369.56,"sentiment":"neutral","sentiment_score":-0.13715588572350415},{"text":"Not a 100% certain what email you might have linked with them.","start":369.78,"end":372.82,"sentiment":"neutral","sentiment_score":-0.1494665207962195},{"text":"They don't show it to me.","start":372.82,"end":374.165,"sentiment":"neutral","sentiment_score":-0.1965636486808459}],"sentiment":"neutral","sentiment_score":-0.09257798288167725,"num_words":62,"start":342.11002,"end":374.165},{"sentences":[{"text":"Shouldn't be any different.","start":378.705,"end":379.925,"sentiment":"neutral","sentiment_score":-0.07504957262426615},{"text":"Yep.","start":382.385,"end":382.625,"sentiment":"neutral","sentiment_score":0.04273879528045654},{"text":"And you're pretty on top of your emails, I believe.","start":382.625,"end":384.725,"sentiment":"neutral","sentiment_score":0.0804562870413065},{"text":"If something popped up three, four times final final payment notice, you'd probably have noticed that.","start":385.105,"end":390.18,"sentiment":"neutral","sentiment_score":-0.04640363738872111},{"text":"Yeah.","start":392.48,"end":392.98,"sentiment":"neutral","sentiment_score":0.10843177139759064}],"sentiment":"neutral","sentiment_score":-0.0027163453632965684,"num_words":32,"start":378.705,"end":392.98},{"sentences":[{"text":"I do have some solutions, though.","start":393.36002,"end":395.46,"sentiment":"neutral","sentiment_score":0.15636814137299856},{"text":"I never come into a conversation without a solution.","start":395.52002,"end":398.02002,"sentiment":"neutral","sentiment_score":0.05163803117142783},{"text":"The Australian Super and Care Super have a really good way of dealing with dormant cover where a contribution can reactivate it straight away.","start":399.92,"end":407.515,"sentiment":"neutral","sentiment_score":0.24843268003314734},{"text":"So what we would need to do, Care Super requires an employer contribution, whereas Australian Super could do it off of an opt in notice and a small ad hoc contribution.","start":409.815,"end":421.54,"sentiment":"neutral","sentiment_score":0.07729246058771687},{"text":"So I wanted to run by you the idea of potentially switching the contributions to go to CareSuper and then opting into AustralianSuper.","start":422.08002,"end":430.1,"sentiment":"neutral","sentiment_score":0.26194647343262384}],"sentiment":"neutral","sentiment_score":0.16974377007253708,"num_words":93,"start":393.36002,"end":430.1},{"sentences":[{"text":"That's the the safest way to maintain those.","start":430.4,"end":433.575,"sentiment":"neutral","sentiment_score":0.2331387847661972},{"text":"Well, the portfolio was a bit rough, to be honest.","start":440.21503,"end":443.575,"sentiment":"neutral","sentiment_score":-0.1217058889567852},{"text":"There's 7,386 in there.","start":443.575,"end":445.975,"sentiment":"neutral","sentiment_score":-0.09761871956288815},{"text":"Last check.","start":445.975,"end":446.49,"sentiment":"neutral","sentiment_score":-0.11143140494823456},{"text":"Well, the main the main portfolio in in the hub is obviously the driver for returns.","start":459.28998,"end":465.305,"sentiment":"neutral","sentiment_score":0.1137395107652992}],"sentiment":"neutral","sentiment_score":0.04636364681646228,"num_words":40,"start":430.4,"end":465.305},{"sentences":[{"text":"The main reason for CareSoup is, I guess, the activatable cover I'm seeing here, $3,034,000 of life insurance, 23,000 of TPD, total disability cover.","start":466.245,"end":483.15,"sentiment":"neutral","sentiment_score":0.11244779049108426},{"text":"So that's essentially the reason to keep it if you value having those two.","start":483.61,"end":488.43,"sentiment":"neutral","sentiment_score":0.22483889811805316},{"text":"If not, there's almost no reason to keep it in those types of investments.","start":488.72998,"end":492.64502,"sentiment":"neutral","sentiment_score":-0.03516721153365714},{"text":"Yes.","start":502.225,"end":502.545,"sentiment":"neutral","sentiment_score":0.2286282181739807},{"text":"So we've got 30,000 worth of life insurance with AusSuper, 7,000 worth of TPD, and they've also got a little bit of income protection in there for you.","start":502.545,"end":511.25,"sentiment":"neutral","sentiment_score":0.2958296218088695}],"sentiment":"neutral","sentiment_score":0.171185286577653,"num_words":81,"start":466.245,"end":511.25},{"sentences":[{"text":"$2,800.","start":511.25,"end":512.69,"sentiment":"neutral","sentiment_score":0.113154798746109},{"text":"So I know it's very small, but that can be added on to work cover percentages, accident, injury, and illness.","start":512.69,"end":521.13495,"sentiment":"neutral","sentiment_score":0.05384143851697445},{"text":"So Australian Superstore Hat does have a bit of cover.","start":521.435,"end":523.935,"sentiment":"neutral","sentiment_score":0.18950388804078103},{"text":"Correct.","start":526.95496,"end":527.45496,"sentiment":"neutral","sentiment_score":0.07116781920194626},{"text":"Let me have a look.","start":543.93,"end":544.935,"sentiment":"neutral","sentiment_score":-0.024354411661624907}],"sentiment":"neutral","sentiment_score":0.08201130298343864,"num_words":37,"start":511.25,"end":544.935},{"sentences":[{"text":"I'm just gonna grab up the admin fee structure because Yeah.","start":547.175,"end":562.47003,"sentiment":"neutral","sentiment_score":-0.03933844427493485},{"text":"The premiums let me have a look at the premiums here.","start":562.47003,"end":565.13,"sentiment":"neutral","sentiment_score":-0.004322365603663705},{"text":"So $324 per annum for the life and disability insurance.","start":565.51,"end":570.81,"sentiment":"neutral","sentiment_score":0.037350774928927424},{"text":"And the main driver when it comes to admin fees for the account is if it's a flat dollar fee, it eats into it quite a lot.","start":570.825,"end":579.22504,"sentiment":"neutral","sentiment_score":-0.22667666248701238},{"text":"If it's a percentage based, then it doesn't really matter what the balance is.","start":579.22504,"end":582.84503,"sentiment":"neutral","sentiment_score":-0.07285144446151597}],"sentiment":"neutral","sentiment_score":-0.09927330505460093,"num_words":73,"start":547.175,"end":582.84503},{"sentences":[{"text":"So we've got another $67.60 plus 0.15% as well.","start":585.88,"end":591.24,"sentiment":"neutral","sentiment_score":0.09786177509360844},{"text":"So they do have a flat fee, a percentage fee, and the insurance premiums.","start":591.24,"end":595.34,"sentiment":"neutral","sentiment_score":0.0766615958086082},{"text":"So you're talking about $4,500 worth of fees coming out per year.","start":595.56,"end":600.315,"sentiment":"neutral","sentiment_score":0.017270156803230446},{"text":"I have a quick look because they also they also need to maintain it above $6,000, which is the minimum.","start":607.495,"end":613.995,"sentiment":"neutral","sentiment_score":0.013650463661178946},{"text":"So we would constantly be topping it up every couple of years.","start":614.12,"end":617.25995,"sentiment":"neutral","sentiment_score":0.050541584845632315}],"sentiment":"neutral","sentiment_score":0.045384604330939146,"num_words":67,"start":585.88,"end":617.25995},{"sentences":[{"text":"Fees would work out to be realistically, it's gonna be copying about six or 7% of the balance on the fees, and it'll probably be earning around seven or 8% returns.","start":621.95996,"end":635.425,"sentiment":"neutral","sentiment_score":0.13842785142121777},{"text":"So it's not really gonna actually go anywhere.","start":635.425,"end":637.685,"sentiment":"neutral","sentiment_score":-0.16610687971115112},{"text":"It'll stay pretty well stagnant just to fund that little bit of insurance cover.","start":637.985,"end":642.005,"sentiment":"neutral","sentiment_score":-0.2591638591672693},{"text":"If you don't value the insurance cover, it's much easier to run two super funds than three and get it growing faster.","start":642.33,"end":648.67004,"sentiment":"neutral","sentiment_score":-0.031460067595947876},{"text":"If you do value the cover, we can just switch where the contributions go.","start":649.13,"end":653.23004,"sentiment":"neutral","sentiment_score":0.027102461084723473}],"sentiment":"neutral","sentiment_score":-0.01099519892020172,"num_words":89,"start":621.95996,"end":653.23004},{"sentences":[{"text":"Yep.","start":659.225,"end":659.725,"sentiment":"neutral","sentiment_score":0.1543719619512558},{"text":"K.","start":661.545,"end":662.045,"sentiment":"neutral","sentiment_score":0.2378310263156891},{"text":"I can absolutely do that.","start":662.58496,"end":664.26495,"sentiment":"positive","sentiment_score":0.4913918852806091},{"text":"That means a little bit less admin paperwork for you too because the contributions are going to all super anyway.","start":664.26495,"end":669.245,"sentiment":"neutral","sentiment_score":0.3005743220448494},{"text":"So I can move the funds around through rollovers online, update the portfolio.","start":669.44,"end":673.86,"sentiment":"neutral","sentiment_score":0.20781836028282458}],"sentiment":"neutral","sentiment_score":0.28905718848109246,"num_words":40,"start":659.225,"end":673.86},{"sentences":[{"text":"I'll double check the income protection, and then everything should be pretty clean after that.","start":674.32,"end":678.66,"sentiment":"neutral","sentiment_score":0.1259415442744891},{"text":"Cool.","start":680.32,"end":680.82,"sentiment":"positive","sentiment_score":0.38768911361694336},{"text":"You will have obviously another chance.","start":681.83997,"end":683.36,"sentiment":"neutral","sentiment_score":0.27418429652849835},{"text":"I'll put this together in a plan with the updated projections.","start":683.36,"end":685.99506,"sentiment":"neutral","sentiment_score":0.20295084606517444},{"text":"If at that point you wanna vary the advice and you're not comfortable proceeding with that, you can just write into the plan how you would like to implement it.","start":686.61505,"end":695.195,"sentiment":"neutral","sentiment_score":0.06658239931760666}],"sentiment":"neutral","sentiment_score":0.12939443401826015,"num_words":63,"start":674.32,"end":695.195},{"sentences":[{"text":"And if you do have second thoughts, we can alter what we do as well.","start":695.335,"end":699.34,"sentiment":"neutral","sentiment_score":0.09777138928572336},{"text":"That sound okay?","start":700.76,"end":701.74,"sentiment":"neutral","sentiment_score":0.18833240866661072},{"text":"Perfect.","start":703.48,"end":703.98,"sentiment":"positive","sentiment_score":0.5675008893013},{"text":"Alright.","start":704.27997,"end":704.68,"sentiment":"positive","sentiment_score":0.4255950450897217},{"text":"That gives me the direction that I need.","start":704.68,"end":706.52,"sentiment":"positive","sentiment_score":0.5516635775566101}],"sentiment":"neutral","sentiment_score":0.26564187929034233,"num_words":28,"start":695.335,"end":706.52},{"sentences":[{"text":"Do you have any questions for me at this point?","start":706.52,"end":708.46,"sentiment":"neutral","sentiment_score":0.17514798939228057},{"text":"Yep.","start":716.295,"end":716.795,"sentiment":"neutral","sentiment_score":0.05681748688220978},{"text":"So the two ways we can do it, when I put together the updated plan that includes all the recommendations and strategies, Once you sign off on that, we can do a rollover.","start":726.79004,"end":736.105,"sentiment":"neutral","sentiment_score":0.18447712695959842},{"text":"The only other thing that we can do outside of that is if you give us permission to do more regular rollovers outside of that.","start":736.64496,"end":743.925,"sentiment":"neutral","sentiment_score":0.08174179568886757},{"text":"So normally, when we do a review, we see how much it's built up to be.","start":743.925,"end":747.96,"sentiment":"neutral","sentiment_score":0.12193220900371671}],"sentiment":"neutral","sentiment_score":0.13988826831474024,"num_words":85,"start":706.52,"end":747.96},{"sentences":[{"text":"We'll update your plan.","start":748.02,"end":749.56,"sentiment":"neutral","sentiment_score":0.19681399315595627},{"text":"You sign off, then we can move funds around unless you stipulate, hey.","start":749.7,"end":754.44,"sentiment":"neutral","sentiment_score":0.11419682204723358},{"text":"Stop asking me every year to do this.","start":755.06,"end":756.98,"sentiment":"neutral","sentiment_score":-0.0065656439401209354},{"text":"Please just move x amount unless necessary to discuss.","start":756.98,"end":760.515,"sentiment":"neutral","sentiment_score":0.05967510657178031},{"text":"Once a year would be the sort of middle ground.","start":768.675,"end":772.215,"sentiment":"neutral","sentiment_score":0.06564247831702233}],"sentiment":"neutral","sentiment_score":0.07756341477348046,"num_words":44,"start":748.02,"end":772.215},{"sentences":[{"text":"We do have a couple of clients that we do every six months for.","start":773.075,"end":776.455,"sentiment":"neutral","sentiment_score":0.09422484678881508},{"text":"Probably not more often than that.","start":776.81,"end":778.75,"sentiment":"neutral","sentiment_score":0.005852389770249526},{"text":"Need a bit of time for contributions to build up and make sure you're not copying any exit fees or anything like that.","start":778.89,"end":784.51,"sentiment":"neutral","sentiment_score":-0.046678142379159515},{"text":"It still averages out.","start":788.73,"end":789.93,"sentiment":"neutral","sentiment_score":0.2879433333873749},{"text":"So even though it's kind of, let's say, it grows at 8% in Australian super and 10% in in the main fund, and then we roll it across in six, twelve months time, that'll accelerate till then until retirement until the next lot comes in as well.","start":789.93,"end":804.555,"sentiment":"neutral","sentiment_score":0.22459489170541155}],"sentiment":"neutral","sentiment_score":0.12753615066646895,"num_words":94,"start":773.075,"end":804.555},{"sentences":[{"text":"So that kind of six months doesn't make too much of a difference where it would be a concern for me, but we always follow your instructions.","start":804.695,"end":813.26,"sentiment":"neutral","sentiment_score":0.07427411222899402},{"text":"Okay.","start":815.96,"end":816.46,"sentiment":"neutral","sentiment_score":0.29252487421035767},{"text":"Cool.","start":819.0,"end":819.405,"sentiment":"positive","sentiment_score":0.5582138299942017},{"text":"From here, because I've had a couple of openings for next week, I just know I'm booking out at the moment.","start":820.36505,"end":826.30505,"sentiment":"positive","sentiment_score":0.34925719669886995},{"text":"Would you have a bit of time maybe next Wednesday, Thursday to run through that plan together?","start":827.16504,"end":831.265,"sentiment":"neutral","sentiment_score":0.29243720103712645}],"sentiment":"neutral","sentiment_score":0.22629810869693756,"num_words":67,"start":804.695,"end":831.265},{"sentences":[{"text":"Yeah.","start":844.65,"end":844.97003,"sentiment":"neutral","sentiment_score":0.30509719252586365},{"text":"That's no worries at all.","start":844.97003,"end":851.04504,"sentiment":"positive","sentiment_score":0.3553998678922653},{"text":"And if it helps too, just while you're grabbing that up, I do early on a Monday, Friday, and late nights on a Tuesday, Wednesday, Thursday, so if that helps.","start":854.145,"end":864.49005,"sentiment":"neutral","sentiment_score":0.15835428560773532},{"text":"Perfect.","start":873.14496,"end":873.385,"sentiment":"positive","sentiment_score":0.6996876001358032},{"text":"Can I give you a call, like, Wednesday after lunchtime around 01:30?","start":873.385,"end":877.40497,"sentiment":"neutral","sentiment_score":0.16907684629162154}],"sentiment":"neutral","sentiment_score":0.19512928277254105,"num_words":49,"start":844.65,"end":877.40497},{"sentences":[{"text":"Amazing.","start":881.065,"end":881.565,"sentiment":"positive","sentiment_score":0.7049336433410645},{"text":"What I'll do is I'll get the team to send that little reminder text message out beforehand just in case if we need to move it around a little bit.","start":881.945,"end":888.75,"sentiment":"positive","sentiment_score":0.3584842950105667},{"text":"But I just thought much easier to just finalize these last couple of pieces, get you booked in on Wednesday, and then we can pretty much implement it straight away, and you won't have to wait to the end of the month or anything like that.","start":888.83,"end":900.21,"sentiment":"positive","sentiment_score":0.3551386614208636},{"text":"01:30 on the ninth, if possible.","start":906.125,"end":908.705,"sentiment":"neutral","sentiment_score":0.027694457210600376},{"text":"Yep.","start":914.205,"end":914.705,"sentiment":"neutral","sentiment_score":0.09791304916143416}],"sentiment":"positive","sentiment_score":0.33404667513622416,"num_words":84,"start":881.065,"end":914.705},{"sentences":[{"text":"Would it be helpful if I invited your email address for a calendar invite?","start":915.02997,"end":919.02997,"sentiment":"neutral","sentiment_score":0.13750617525407247},{"text":"Does that does that help?","start":919.02997,"end":920.25,"sentiment":"neutral","sentiment_score":0.09578581750392914},{"text":"Gotcha.","start":927.67,"end":928.095,"sentiment":"neutral","sentiment_score":-0.005949179641902447},{"text":"That's alright.","start":931.535,"end":932.27496,"sentiment":"neutral","sentiment_score":0.09608921781182289},{"text":"Again, I'll send you the text message beforehand, but, yeah, 01:30 on Wednesday, the ninth, we can run through that plan together.","start":932.65497,"end":939.15497,"sentiment":"neutral","sentiment_score":0.09275822375308383}],"sentiment":"neutral","sentiment_score":0.10524831180968745,"num_words":44,"start":915.02997,"end":939.15497},{"sentences":[{"text":"Awesome.","start":941.76996,"end":942.01,"sentiment":"positive","sentiment_score":0.5504128336906433},{"text":"Anything else I can do before I let you go there, Shane?","start":942.01,"end":944.43,"sentiment":"neutral","sentiment_score":0.19633113717039427},{"text":"You make the the decisions you can with the information in front of you and just hope that it kind of fits you personally.","start":950.89,"end":956.58997,"sentiment":"neutral","sentiment_score":0.296045105283459},{"text":"And, again, if we need to, we do tend to change it.","start":956.985,"end":961.46497,"sentiment":"neutral","sentiment_score":0.11905342030028503},{"text":"So if something happens, yes, let's say CareSuper goes.","start":961.46497,"end":964.685,"sentiment":"neutral","sentiment_score":0.1064475385679139}],"sentiment":"neutral","sentiment_score":0.21376099822850064,"num_words":58,"start":941.76996,"end":964.685},{"sentences":[{"text":"There are other funds that do defaults, and I can always kind of refresh a similar position if we ever need to.","start":964.985,"end":983.4,"sentiment":"neutral","sentiment_score":0.09800149669701402},{"text":"Easy done.","start":991.63495,"end":992.355,"sentiment":"neutral","sentiment_score":0.26552192866802216},{"text":"Alright.","start":992.355,"end":992.83496,"sentiment":"neutral","sentiment_score":0.10222101211547852},{"text":"Leave it with me.","start":992.83496,"end":993.63495,"sentiment":"neutral","sentiment_score":0.08699116110801697},{"text":"I'll finish off these couple of calls for the insurance, and and then I'll be speaking to you next Wednesday.","start":993.63495,"end":1001.10004,"sentiment":"neutral","sentiment_score":0.11121902242302895}],"sentiment":"neutral","sentiment_score":0.10942128346282609,"num_words":49,"start":964.985,"end":1001.10004},{"sentences":[{"text":"Awesome, Jane.","start":1003.72003,"end":1004.36005,"sentiment":"positive","sentiment_score":0.8318802118301392},{"text":"Have a fantastic evening and weekend, and I'll talk to you soon.","start":1004.36005,"end":1007.34,"sentiment":"positive","sentiment_score":0.7741879274447759},{"text":"Thank you, mate.","start":1009.32,"end":1010.12,"sentiment":"positive","sentiment_score":0.4884311457475026},{"text":"Bye.","start":1010.12,"end":1010.62,"sentiment":"neutral","sentiment_score":-0.1084357425570488}],"sentiment":"positive","sentiment_score":0.6839374026490582,"num_words":18,"start":1003.72003,"end":1010.62}]}}]},{"alternatives":[{"transcript":"Yeah. Good. Yourself? Yeah. That's alright. I yeah. I was just in the middle of doing something, and I had these plastic gloves on. You know, he was trying to answer my phone, and, yeah, it wasn't responding. Yep. Yep. Sure. Yep. Yep. Right. Right. Tomorrow, do I just got it to be high risk or something today? Yeah. Yep. Yep. Yep. I'm surprised. I was gonna say I'm surprised because how many Qantas planes crashed? None. No. Okay. Yep. Yep. Yeah. Well, yeah, that that's what would happen because if we have a broken leg, yeah, we can't walk. We do a lot of walking with train drivers because because trains are so big. You know, if we've gotta move it out to the yard, for example, once we get off the train, it's a long walk from the yard back to civilization just because the yard is so big because they're gonna hold big trains. So we need to be able to walk. We need to be able to climb in and out of trains if we're on the ground. Yeah. So, yeah, we couldn't do that. I mean, you can still operate a train from inside the cabin, but it's getting in and out of the cabin that you'd have probably have a a drama with. Yeah. That's what I'll do. Yep. I would say medically empty. Yep. Right. Right. Yeah. For sure. Yep. Alright. What address were they sending them to? Yeah. That's my current address now. But what address does care have on file? Oh, well, it's definitely where I am now. Yeah. Well, I've had the same email address for twenty years. So it but I don't have my current one. Yeah. Yeah. Definitely noticed that. Okay. Is it really worthwhile keeping the Care Super? How much would it be better to just take that money out and combine it with one of the other accounts and close it. So can I make a claim if I've got cover with another superannuation provider? So who's who's who's got that Australian Super? Okay. And with the amount of money that I'm paying in fees, is it yeah. Does that make it justifiable? Because if I'm making no contributions and they're charging a truckload of fees, you know, ten years on, there mightn't be any money left. Right? Okay. Okay. So that'll give me what? Fourteen years? Okay. Okay. Oh, well, do you think it's well, I think I'll you know, I'm happy to keep it then. Yep. Right. Yeah. Look. Just just close it. That'll be fine. Yep. Yep. Yep. Yep. Yep. Yeah. When do you like, all my income or the super paid by my employer who's going into Australian Super, when do you, like, transfer a man across from that into hub twenty four? Yep. Okay. So how often would you normally do it? Just one for years at each review? Right. Okay. Yep. Yep. You're right. You're right. Yep. Cool. Yes. Let me just see. Let me have a quick look at my roster, and I'll see what I'm doing. Monday and Tuesday. I've got Tuesday and Wednesday off next week. So I'm pretty flexible. Yeah. That should be okay. Alright. So that was 1PM on Wednesday, the ninth. Oh, 01:30. Sorry. 01:30PM on Wednesday, the ninth. Not really. I've I've got a paper diary, an old fashioned diary that I've just written it down in. Yep. Yep. Beautiful. No. That's I don't know. What else do you do? Yep. Yep. Yeah. The only reason I had that one was that was just the super that you was used with a previous employer. So yeah. No. We'll get rid of that and tidy things up a bit. Yep. Beautiful. Terrific. Thank you. See you. Bye.","confidence":0.98461914,"words":[{"word":"yeah","start":4.72,"end":5.04,"confidence":0.7651367,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.31575337052345276},{"word":"good","start":5.04,"end":5.3599997,"confidence":0.88720703,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5948878526687622},{"word":"yourself","start":5.3599997,"end":5.8599997,"confidence":0.99121094,"punctuated_word":"Yourself?","sentiment":"positive","sentiment_score":0.47393640875816345},{"word":"yeah","start":10.719999,"end":10.96,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2333671599626541},{"word":"that's","start":10.96,"end":11.28,"confidence":0.8535156,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.18456053733825684},{"word":"alright","start":11.28,"end":11.679999,"confidence":0.9321289,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.16958265006542206},{"word":"i","start":11.679999,"end":11.84,"confidence":0.9589844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07743705809116364},{"word":"yeah","start":12.16,"end":12.4,"confidence":0.984375,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06309381872415543},{"word":"i","start":12.4,"end":12.559999,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03109484165906906},{"word":"was","start":12.559999,"end":12.719999,"confidence":0.9838867,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.03973403573036194},{"word":"just","start":12.719999,"end":13.219999,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05037584900856018},{"word":"in","start":14.08,"end":14.24,"confidence":0.9135742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05613572150468826},{"word":"the","start":14.24,"end":14.4,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05595099925994873},{"word":"middle","start":14.4,"end":14.719999,"confidence":1.0,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":-0.06651611626148224},{"word":"of","start":14.719999,"end":15.105,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06300756335258484},{"word":"doing","start":15.344999,"end":15.584999,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.04793449118733406},{"word":"something","start":15.584999,"end":15.985,"confidence":0.79174805,"punctuated_word":"something,","sentiment":"neutral","sentiment_score":-0.029190372675657272},{"word":"and","start":15.985,"end":16.145,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04083465784788132},{"word":"i","start":16.145,"end":16.305,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07668961584568024},{"word":"had","start":16.305,"end":16.465,"confidence":0.87890625,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0829988420009613},{"word":"these","start":16.465,"end":16.705,"confidence":0.6376953,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.07937954366207123},{"word":"plastic","start":16.705,"end":17.185,"confidence":0.8701172,"punctuated_word":"plastic","sentiment":"neutral","sentiment_score":-0.05389530956745148},{"word":"gloves","start":17.185,"end":17.505,"confidence":0.99902344,"punctuated_word":"gloves","sentiment":"neutral","sentiment_score":-0.05317964404821396},{"word":"on","start":17.505,"end":17.744999,"confidence":0.76953125,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.05723688006401062},{"word":"you","start":17.744999,"end":17.824999,"confidence":0.43847656,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.05903873220086098},{"word":"know","start":17.824999,"end":18.064999,"confidence":0.8535156,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.04682374745607376},{"word":"he","start":18.064999,"end":18.224998,"confidence":0.734375,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.07183560729026794},{"word":"was","start":18.224998,"end":18.545,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07285616546869278},{"word":"trying","start":18.545,"end":19.045,"confidence":0.93603516,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.09960556775331496},{"word":"to","start":19.345,"end":19.664999,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10997102409601212},{"word":"answer","start":19.664999,"end":19.904999,"confidence":0.99609375,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.08385533094406128},{"word":"my","start":19.904999,"end":20.224998,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.15926368534564972},{"word":"phone","start":20.224998,"end":20.545,"confidence":0.76293945,"punctuated_word":"phone,","sentiment":"neutral","sentiment_score":-0.1017141044139862},{"word":"and","start":20.545,"end":21.025,"confidence":0.9025879,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.1254885196685791},{"word":"yeah","start":21.025,"end":21.345,"confidence":0.91845703,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.15215522050857544},{"word":"it","start":21.345,"end":21.505,"confidence":0.9838867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.27796268463134766},{"word":"wasn't","start":21.505,"end":21.904999,"confidence":1.0,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.2133727669715881},{"word":"responding","start":21.904999,"end":22.404999,"confidence":0.9890137,"punctuated_word":"responding.","sentiment":"neutral","sentiment_score":-0.1304819881916046},{"word":"yep","start":40.34,"end":40.84,"confidence":0.92700195,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.39031848311424255},{"word":"yep","start":41.940002,"end":42.440002,"confidence":0.9875488,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2053627222776413},{"word":"sure","start":53.045,"end":53.545,"confidence":0.8918457,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.07431098818778992},{"word":"yep","start":73.685,"end":74.185,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03396448493003845},{"word":"yep","start":82.085,"end":82.5,"confidence":0.94140625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05672656744718552},{"word":"right","start":111.78,"end":112.28,"confidence":0.79785156,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.008905177935957909},{"word":"right","start":112.340004,"end":112.840004,"confidence":0.9309082,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.009955383837223051},{"word":"tomorrow","start":113.46,"end":113.94,"confidence":0.31469727,"punctuated_word":"Tomorrow,","sentiment":"neutral","sentiment_score":-0.028699029237031937},{"word":"do","start":113.94,"end":114.020004,"confidence":0.3708496,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09509630501270294},{"word":"i","start":114.020004,"end":114.1,"confidence":0.44433594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11947200447320938},{"word":"just","start":114.340004,"end":114.58,"confidence":0.22216797,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.14549359679222107},{"word":"got","start":114.58,"end":114.74,"confidence":0.52490234,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.15768621861934662},{"word":"it","start":114.74,"end":114.9,"confidence":0.33666992,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.17147624492645264},{"word":"to","start":114.9,"end":114.98,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23022139072418213},{"word":"be","start":114.98,"end":115.22,"confidence":0.9838867,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2124205380678177},{"word":"high","start":115.22,"end":115.46,"confidence":0.7368164,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.27204346656799316},{"word":"risk","start":115.46,"end":115.78,"confidence":0.9428711,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.1980259120464325},{"word":"or","start":115.78,"end":116.020004,"confidence":0.38623047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.18902069330215457},{"word":"something","start":116.020004,"end":116.340004,"confidence":0.9980469,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.1839906871318817},{"word":"today","start":116.340004,"end":116.840004,"confidence":0.59033203,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":-0.10658670961856842},{"word":"yeah","start":137.425,"end":137.925,"confidence":0.9230957,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0831993967294693},{"word":"yep","start":141.08,"end":141.32,"confidence":0.7807617,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04609083384275437},{"word":"yep","start":141.32,"end":141.82,"confidence":0.9550781,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.048568837344646454},{"word":"yep","start":151.24,"end":151.74,"confidence":0.920166,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0012882165610790253},{"word":"i'm","start":152.925,"end":153.08499,"confidence":0.88842773,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.09907060861587524},{"word":"surprised","start":153.08499,"end":153.58499,"confidence":0.9951172,"punctuated_word":"surprised.","sentiment":"neutral","sentiment_score":-0.13332833349704742},{"word":"i","start":154.36499,"end":154.605,"confidence":0.9394531,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18252386152744293},{"word":"was","start":154.605,"end":154.765,"confidence":0.9838867,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2113501727581024},{"word":"gonna","start":154.765,"end":155.005,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2270650416612625},{"word":"say","start":155.005,"end":155.165,"confidence":0.9819336,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.11682764440774918},{"word":"i'm","start":155.165,"end":155.405,"confidence":0.8989258,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1139657497406006},{"word":"surprised","start":155.405,"end":155.905,"confidence":0.7314453,"punctuated_word":"surprised","sentiment":"neutral","sentiment_score":-0.14648275077342987},{"word":"because","start":156.36499,"end":156.86499,"confidence":0.91845703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1341729611158371},{"word":"how","start":157.245,"end":157.405,"confidence":0.67626953,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.12727375328540802},{"word":"many","start":157.405,"end":157.72499,"confidence":0.9980469,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.1298837959766388},{"word":"qantas","start":157.72499,"end":158.22499,"confidence":0.8878581,"punctuated_word":"Qantas","sentiment":"neutral","sentiment_score":-0.2142404317855835},{"word":"planes","start":158.285,"end":158.685,"confidence":0.75390625,"punctuated_word":"planes","sentiment":"neutral","sentiment_score":-0.2191142141819},{"word":"crashed","start":158.685,"end":159.185,"confidence":0.78930664,"punctuated_word":"crashed?","sentiment":"neutral","sentiment_score":-0.18419334292411804},{"word":"none","start":160.925,"end":161.425,"confidence":0.98950195,"punctuated_word":"None.","sentiment":"neutral","sentiment_score":-0.11278463900089264},{"word":"no","start":185.035,"end":185.275,"confidence":0.81762695,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23455527424812317},{"word":"okay","start":185.275,"end":185.775,"confidence":0.7763672,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.1948745548725128},{"word":"yep","start":185.915,"end":186.315,"confidence":0.91625977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03720702975988388},{"word":"yep","start":186.315,"end":186.815,"confidence":0.9394531,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.04931696876883507},{"word":"yeah","start":196.54001,"end":196.94,"confidence":0.9645996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09587762504816057},{"word":"well","start":196.94,"end":197.44,"confidence":0.7270508,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.10735903680324554},{"word":"yeah","start":197.5,"end":197.90001,"confidence":0.8417969,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.09482221305370332},{"word":"that","start":197.90001,"end":198.3,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09859690070152284},{"word":"that's","start":198.38,"end":198.78,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.10786812007427216},{"word":"what","start":198.78,"end":199.18001,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.12173400819301604},{"word":"would","start":199.18001,"end":199.42,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.11797589808702467},{"word":"happen","start":199.42,"end":199.90001,"confidence":0.9980469,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.15306353569030762},{"word":"because","start":199.90001,"end":200.40001,"confidence":0.7578125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09221918880939484},{"word":"if","start":200.78,"end":200.94,"confidence":0.9770508,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11734136193990707},{"word":"we","start":200.94,"end":201.1,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13624998927116394},{"word":"have","start":201.1,"end":201.26001,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1574537605047226},{"word":"a","start":201.26001,"end":201.42,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1425447165966034},{"word":"broken","start":201.42,"end":201.90001,"confidence":1.0,"punctuated_word":"broken","sentiment":"neutral","sentiment_score":-0.22619906067848208},{"word":"leg","start":201.90001,"end":202.40001,"confidence":0.8227539,"punctuated_word":"leg,","sentiment":"neutral","sentiment_score":-0.1839735209941864},{"word":"yeah","start":205.285,"end":205.52501,"confidence":0.9572754,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.1900400817394257},{"word":"we","start":205.52501,"end":205.685,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2189258337020874},{"word":"can't","start":205.685,"end":206.085,"confidence":0.99902344,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.2369186282157898},{"word":"walk","start":206.085,"end":206.405,"confidence":0.99902344,"punctuated_word":"walk.","sentiment":"neutral","sentiment_score":-0.20345212519168857},{"word":"we","start":206.405,"end":206.565,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.09231361001729964},{"word":"do","start":206.565,"end":206.80501,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.10974900424480438},{"word":"a","start":206.80501,"end":206.88501,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1062769889831543},{"word":"lot","start":206.88501,"end":207.125,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.10061079263687134},{"word":"of","start":207.125,"end":207.205,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12047578394412994},{"word":"walking","start":207.205,"end":207.705,"confidence":0.9970703,"punctuated_word":"walking","sentiment":"neutral","sentiment_score":-0.09106199443340302},{"word":"with","start":208.565,"end":208.80501,"confidence":0.6567383,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1586323082447052},{"word":"train","start":208.80501,"end":209.125,"confidence":0.9741211,"punctuated_word":"train","sentiment":"neutral","sentiment_score":-0.12445678561925888},{"word":"drivers","start":209.125,"end":209.60501,"confidence":0.99609375,"punctuated_word":"drivers","sentiment":"neutral","sentiment_score":-0.13348622620105743},{"word":"because","start":209.60501,"end":210.10501,"confidence":0.90234375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0975036323070526},{"word":"because","start":210.16501,"end":210.565,"confidence":0.91845703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.11424650251865388},{"word":"trains","start":210.565,"end":210.88501,"confidence":0.9863281,"punctuated_word":"trains","sentiment":"neutral","sentiment_score":-0.14293760061264038},{"word":"are","start":210.88501,"end":211.125,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.15477734804153442},{"word":"so","start":211.125,"end":211.365,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1402270495891571},{"word":"big","start":211.365,"end":211.865,"confidence":0.83813477,"punctuated_word":"big.","sentiment":"neutral","sentiment_score":-0.1156473457813263},{"word":"you","start":214.645,"end":214.80501,"confidence":0.97314453,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.07104974240064621},{"word":"know","start":214.80501,"end":214.965,"confidence":0.92529297,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.07140576839447021},{"word":"if","start":214.965,"end":215.125,"confidence":0.97509766,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05916215479373932},{"word":"we've","start":215.125,"end":215.285,"confidence":0.91308594,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.061435893177986145},{"word":"gotta","start":215.285,"end":215.60501,"confidence":0.6303711,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.07018712162971497},{"word":"move","start":215.60501,"end":215.845,"confidence":0.9970703,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.06572413444519043},{"word":"it","start":215.845,"end":216.005,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07613734900951385},{"word":"out","start":216.005,"end":216.325,"confidence":0.8676758,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.06414245069026947},{"word":"to","start":216.325,"end":216.485,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06502328813076019},{"word":"the","start":216.485,"end":216.725,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04470428824424744},{"word":"yard","start":216.725,"end":217.125,"confidence":0.9694824,"punctuated_word":"yard,","sentiment":"neutral","sentiment_score":-0.03982682526111603},{"word":"for","start":217.125,"end":217.285,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.059021856635808945},{"word":"example","start":217.285,"end":217.785,"confidence":0.95703125,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.03926335275173187},{"word":"once","start":218.6,"end":218.92,"confidence":0.90478516,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.023799266666173935},{"word":"we","start":218.92,"end":219.0,"confidence":0.6567383,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03915940225124359},{"word":"get","start":219.0,"end":219.24,"confidence":0.9790039,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.043121304363012314},{"word":"off","start":219.24,"end":219.48,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.038073621690273285},{"word":"the","start":219.48,"end":219.64,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.039585959166288376},{"word":"train","start":219.64,"end":220.14,"confidence":0.99365234,"punctuated_word":"train,","sentiment":"neutral","sentiment_score":-0.03023768588900566},{"word":"it's","start":220.6,"end":220.92,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06356757134199142},{"word":"a","start":220.92,"end":221.0,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08368093520402908},{"word":"long","start":221.0,"end":221.31999,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.11016151309013368},{"word":"walk","start":221.31999,"end":221.81999,"confidence":1.0,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":-0.08766928315162659},{"word":"from","start":221.88,"end":222.2,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.09340890496969224},{"word":"the","start":222.2,"end":222.36,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1102740466594696},{"word":"yard","start":222.36,"end":222.84,"confidence":0.9902344,"punctuated_word":"yard","sentiment":"neutral","sentiment_score":-0.10530912131071092},{"word":"back","start":222.84,"end":223.08,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.08544950932264328},{"word":"to","start":223.08,"end":223.58,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09587767720222472},{"word":"civilization","start":225.0,"end":225.5,"confidence":0.99902344,"punctuated_word":"civilization","sentiment":"neutral","sentiment_score":-0.05831251293420792},{"word":"just","start":226.44,"end":226.68,"confidence":0.47021484,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07671135663986206},{"word":"because","start":226.68,"end":226.92,"confidence":0.9716797,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.08454491198062897},{"word":"the","start":226.92,"end":227.08,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09716387838125227},{"word":"yard","start":227.08,"end":227.31999,"confidence":0.99609375,"punctuated_word":"yard","sentiment":"neutral","sentiment_score":-0.17062248289585114},{"word":"is","start":227.31999,"end":227.81999,"confidence":0.9770508,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1513592004776001},{"word":"so","start":227.88,"end":228.12,"confidence":0.7973633,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.12660479545593262},{"word":"big","start":228.12,"end":228.62,"confidence":0.9980469,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.10146378725767136},{"word":"because","start":229.24,"end":229.74,"confidence":0.79541016,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.10141704231500626},{"word":"they're","start":229.95999,"end":230.12,"confidence":0.79956055,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.12554970383644104},{"word":"gonna","start":230.12,"end":230.44,"confidence":0.96533203,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.13540416955947876},{"word":"hold","start":230.44,"end":230.76,"confidence":0.9873047,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.13860273361206055},{"word":"big","start":230.76,"end":231.08,"confidence":0.9980469,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.13050878047943115},{"word":"trains","start":231.08,"end":231.58,"confidence":0.9814453,"punctuated_word":"trains.","sentiment":"neutral","sentiment_score":-0.11071312427520752},{"word":"so","start":232.685,"end":233.005,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03157939016819},{"word":"we","start":233.005,"end":233.165,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06324619054794312},{"word":"need","start":233.165,"end":233.325,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0982624739408493},{"word":"to","start":233.325,"end":233.485,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10093346983194353},{"word":"be","start":233.485,"end":233.645,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07743892073631287},{"word":"able","start":233.645,"end":233.885,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.04593703523278237},{"word":"to","start":233.885,"end":233.965,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0027607381343841553},{"word":"walk","start":233.965,"end":234.125,"confidence":0.8918457,"punctuated_word":"walk.","sentiment":"neutral","sentiment_score":-0.04615408927202225},{"word":"we","start":234.125,"end":234.285,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.0927027016878128},{"word":"need","start":234.285,"end":234.445,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.07003532350063324},{"word":"to","start":234.445,"end":234.525,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.046204060316085815},{"word":"be","start":234.525,"end":234.685,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14110463857650757},{"word":"able","start":234.685,"end":234.925,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.25861701369285583},{"word":"to","start":234.925,"end":235.085,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30997660756111145},{"word":"climb","start":235.085,"end":235.325,"confidence":0.9951172,"punctuated_word":"climb","sentiment":"neutral","sentiment_score":0.2430846691131592},{"word":"in","start":235.325,"end":235.485,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3248041570186615},{"word":"and","start":235.485,"end":235.565,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2372177541255951},{"word":"out","start":235.565,"end":235.805,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.20380401611328125},{"word":"of","start":235.805,"end":235.965,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19915741682052612},{"word":"trains","start":235.965,"end":236.365,"confidence":0.92578125,"punctuated_word":"trains","sentiment":"neutral","sentiment_score":0.0734362006187439},{"word":"if","start":236.365,"end":236.685,"confidence":0.75341797,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12756839394569397},{"word":"we're","start":236.685,"end":237.085,"confidence":0.982666,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06686911731958389},{"word":"on","start":237.085,"end":237.245,"confidence":0.94140625,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.102359376847744},{"word":"the","start":237.245,"end":237.405,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12927013635635376},{"word":"ground","start":237.405,"end":237.905,"confidence":0.9675293,"punctuated_word":"ground.","sentiment":"neutral","sentiment_score":0.1014564484357834},{"word":"yeah","start":245.73001,"end":246.05,"confidence":0.85839844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.008147168904542923},{"word":"so","start":246.05,"end":246.37001,"confidence":0.7092285,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.04815718159079552},{"word":"yeah","start":246.37001,"end":246.53,"confidence":0.98999023,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.0908006951212883},{"word":"we","start":246.53,"end":246.77,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.23473769426345825},{"word":"couldn't","start":246.77,"end":247.01001,"confidence":0.9975586,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.2703695297241211},{"word":"do","start":247.01001,"end":247.17,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.3097776770591736},{"word":"that","start":247.17,"end":247.33,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.29300832748413086},{"word":"i","start":247.33,"end":247.49,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13496962189674375},{"word":"mean","start":247.49,"end":247.57,"confidence":0.9951172,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.10371717810630798},{"word":"you","start":247.57,"end":247.73001,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1397896707057953},{"word":"can","start":247.73001,"end":247.89,"confidence":0.5600586,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.022666022181510925},{"word":"still","start":247.89,"end":248.13,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.04699963331222534},{"word":"operate","start":248.13,"end":248.53,"confidence":0.9863281,"punctuated_word":"operate","sentiment":"neutral","sentiment_score":-0.0297715961933136},{"word":"a","start":248.53,"end":248.61,"confidence":0.91503906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0496642030775547},{"word":"train","start":248.61,"end":248.85,"confidence":0.99121094,"punctuated_word":"train","sentiment":"neutral","sentiment_score":-0.0013746023178100586},{"word":"from","start":248.85,"end":249.09001,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.01707015186548233},{"word":"inside","start":249.09001,"end":249.49,"confidence":0.99609375,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.03660976141691208},{"word":"the","start":249.49,"end":249.65001,"confidence":0.94970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04523742198944092},{"word":"cabin","start":249.65001,"end":250.15001,"confidence":0.9362793,"punctuated_word":"cabin,","sentiment":"neutral","sentiment_score":-0.07580065727233887},{"word":"but","start":250.21,"end":250.53,"confidence":0.9863281,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05919977277517319},{"word":"it's","start":250.53,"end":250.77,"confidence":0.92285156,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1900336593389511},{"word":"getting","start":250.77,"end":251.09001,"confidence":0.9980469,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.2079189419746399},{"word":"in","start":251.09001,"end":251.25,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13932599127292633},{"word":"and","start":251.25,"end":251.41,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19397097826004028},{"word":"out","start":251.41,"end":251.57,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.15268072485923767},{"word":"of","start":251.57,"end":251.65001,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2381998300552368},{"word":"the","start":251.65001,"end":251.81,"confidence":0.71875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2635185420513153},{"word":"cabin","start":251.81,"end":252.13,"confidence":0.9970703,"punctuated_word":"cabin","sentiment":"neutral","sentiment_score":-0.25342661142349243},{"word":"that","start":252.13,"end":252.45001,"confidence":0.9160156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16591334342956543},{"word":"you'd","start":252.45001,"end":252.69,"confidence":0.93310547,"punctuated_word":"you'd","sentiment":"negative","sentiment_score":-0.3614901900291443},{"word":"have","start":252.69,"end":253.19,"confidence":0.9951172,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.3891980648040771},{"word":"probably","start":253.57,"end":253.97,"confidence":0.9741211,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.38142091035842896},{"word":"have","start":253.97,"end":254.21,"confidence":0.92333984,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.43214958906173706},{"word":"a","start":254.21,"end":254.28,"confidence":0.9267578,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.36660951375961304},{"word":"a","start":254.28,"end":254.53,"confidence":0.9453125,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3698996603488922},{"word":"drama","start":254.53,"end":254.93001,"confidence":0.9404297,"punctuated_word":"drama","sentiment":"negative","sentiment_score":-0.3878899514675141},{"word":"with","start":254.93001,"end":255.43001,"confidence":0.98046875,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":-0.2684311866760254},{"word":"yeah","start":263.08502,"end":263.325,"confidence":0.9655762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005966560915112495},{"word":"that's","start":263.325,"end":263.565,"confidence":0.98999023,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.05756855756044388},{"word":"what","start":263.565,"end":263.725,"confidence":0.9819336,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04455282539129257},{"word":"i'll","start":263.725,"end":263.965,"confidence":0.70581055,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08832822740077972},{"word":"do","start":263.965,"end":264.445,"confidence":0.9970703,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.0692579448223114},{"word":"yep","start":264.445,"end":264.945,"confidence":0.9975586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06792627274990082},{"word":"i","start":265.005,"end":265.245,"confidence":0.47485352,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0352729968726635},{"word":"would","start":265.245,"end":265.325,"confidence":0.34838867,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03197555989027023},{"word":"say","start":265.325,"end":265.64502,"confidence":0.98828125,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.04180673882365227},{"word":"medically","start":265.64502,"end":266.045,"confidence":0.4494629,"punctuated_word":"medically","sentiment":"neutral","sentiment_score":-0.03145422786474228},{"word":"empty","start":266.045,"end":266.545,"confidence":0.57806396,"punctuated_word":"empty.","sentiment":"neutral","sentiment_score":0.020345307886600494},{"word":"yep","start":290.285,"end":290.785,"confidence":0.9550781,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.013544155284762384},{"word":"right","start":303.37997,"end":303.69998,"confidence":0.88134766,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.048369064927101135},{"word":"right","start":303.69998,"end":304.19998,"confidence":0.9797363,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.06262501329183578},{"word":"yeah","start":310.81998,"end":311.21997,"confidence":0.98461914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.209682434797287},{"word":"for","start":311.21997,"end":311.37997,"confidence":0.5859375,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.14902222156524658},{"word":"sure","start":311.37997,"end":311.78,"confidence":1.0,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.17926758527755737},{"word":"yep","start":311.78,"end":312.28,"confidence":0.9890137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13295191526412964},{"word":"alright","start":338.37003,"end":338.77002,"confidence":0.82373047,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":-0.014413426630198956},{"word":"what","start":338.77002,"end":339.01,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.017083484679460526},{"word":"address","start":339.01,"end":339.33002,"confidence":0.9970703,"punctuated_word":"address","sentiment":"neutral","sentiment_score":-0.02977124974131584},{"word":"were","start":339.33002,"end":339.49002,"confidence":0.6928711,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.02821958437561989},{"word":"they","start":339.49002,"end":339.73,"confidence":0.95947266,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.03307673707604408},{"word":"sending","start":339.73,"end":339.97,"confidence":0.9980469,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":-0.011027215979993343},{"word":"them","start":339.97,"end":340.21002,"confidence":0.9316406,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.012092866003513336},{"word":"to","start":340.21002,"end":340.71002,"confidence":0.9941406,"punctuated_word":"to?","sentiment":"neutral","sentiment_score":-0.005048659164458513},{"word":"yeah","start":347.13498,"end":347.455,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012554416432976724},{"word":"that's","start":347.455,"end":347.775,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.014006510376930237},{"word":"my","start":347.775,"end":348.01498,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.0005762185901403427},{"word":"current","start":348.01498,"end":348.335,"confidence":0.9980469,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.002781456336379051},{"word":"address","start":348.335,"end":348.835,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":-0.0031927451491355896},{"word":"now","start":349.215,"end":349.715,"confidence":0.9121094,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.0011534597724676132},{"word":"but","start":350.175,"end":350.335,"confidence":0.6640625,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.003514181822538376},{"word":"what","start":350.335,"end":350.57498,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.004898224025964737},{"word":"address","start":350.57498,"end":351.07498,"confidence":0.9921875,"punctuated_word":"address","sentiment":"neutral","sentiment_score":-0.005758850835263729},{"word":"does","start":351.215,"end":351.535,"confidence":0.9291992,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.013137893751263618},{"word":"care","start":351.535,"end":351.85498,"confidence":0.48632812,"punctuated_word":"care","sentiment":"neutral","sentiment_score":-0.0023749740794301033},{"word":"have","start":351.85498,"end":352.095,"confidence":0.99121094,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0005267877131700516},{"word":"on","start":352.095,"end":352.255,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.004023165442049503},{"word":"file","start":352.255,"end":352.755,"confidence":0.9970703,"punctuated_word":"file?","sentiment":"neutral","sentiment_score":-0.008015086874365807},{"word":"oh","start":357.15,"end":357.23,"confidence":0.70043945,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.017822857946157455},{"word":"well","start":357.23,"end":357.47,"confidence":0.86035156,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.02097570151090622},{"word":"it's","start":357.47,"end":357.63,"confidence":0.92211914,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06251513957977295},{"word":"definitely","start":357.63,"end":358.13,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.15053649246692655},{"word":"where","start":358.19,"end":358.43,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.06329163908958435},{"word":"i","start":358.43,"end":358.51,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1245848834514618},{"word":"am","start":358.51,"end":358.75,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.14176693558692932},{"word":"now","start":358.75,"end":359.25,"confidence":0.99560547,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.10056568682193756},{"word":"yeah","start":374.685,"end":375.005,"confidence":0.85717773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.031763892620801926},{"word":"well","start":375.005,"end":375.245,"confidence":0.8913574,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.04699692875146866},{"word":"i've","start":375.245,"end":375.405,"confidence":0.98461914,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.04242696985602379},{"word":"had","start":375.405,"end":375.565,"confidence":0.890625,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.03215634822845459},{"word":"the","start":375.565,"end":375.72498,"confidence":0.7895508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03249999135732651},{"word":"same","start":375.72498,"end":376.125,"confidence":0.9941406,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.027844008058309555},{"word":"email","start":376.125,"end":376.44498,"confidence":0.9921875,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.05762150138616562},{"word":"address","start":376.44498,"end":376.845,"confidence":0.97998047,"punctuated_word":"address","sentiment":"neutral","sentiment_score":-0.04076135531067848},{"word":"for","start":376.845,"end":377.085,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04051978141069412},{"word":"twenty","start":377.085,"end":377.485,"confidence":0.99609375,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.06992249190807343},{"word":"years","start":377.485,"end":377.88498,"confidence":0.8208008,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.06475932896137238},{"word":"so","start":377.88498,"end":378.38498,"confidence":0.9770508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06350960582494736},{"word":"it","start":379.05002,"end":379.45,"confidence":0.54345703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07918781787157059},{"word":"but","start":379.53,"end":379.77002,"confidence":0.36523438,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.09083324670791626},{"word":"i","start":379.77002,"end":379.85,"confidence":0.6323242,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12952406704425812},{"word":"don't","start":379.85,"end":380.35,"confidence":0.8093262,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10287334024906158},{"word":"have","start":380.65,"end":381.15,"confidence":0.27294922,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.10413069278001784},{"word":"my","start":381.21002,"end":381.45,"confidence":0.9589844,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.11473129689693452},{"word":"current","start":381.45,"end":381.77002,"confidence":0.98535156,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.1485142707824707},{"word":"one","start":381.77002,"end":382.27002,"confidence":0.9941406,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.09319796413183212},{"word":"yeah","start":385.53,"end":386.03,"confidence":0.90966797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.003185128793120384},{"word":"yeah","start":389.69,"end":390.17,"confidence":0.9484863,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.004388468340039253},{"word":"definitely","start":390.17,"end":390.67,"confidence":0.96240234,"punctuated_word":"Definitely","sentiment":"neutral","sentiment_score":0.016622286289930344},{"word":"noticed","start":390.89,"end":391.29,"confidence":0.61621094,"punctuated_word":"noticed","sentiment":"neutral","sentiment_score":0.024755313992500305},{"word":"that","start":391.29,"end":391.79,"confidence":0.99609375,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.004084739834070206},{"word":"okay","start":408.66,"end":409.16,"confidence":0.9875488,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11802223324775696},{"word":"is","start":435.345,"end":435.585,"confidence":0.8051758,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1147627979516983},{"word":"it","start":435.585,"end":436.065,"confidence":0.9716797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.228692889213562},{"word":"really","start":436.065,"end":436.465,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.1313031017780304},{"word":"worthwhile","start":436.465,"end":436.965,"confidence":0.9921875,"punctuated_word":"worthwhile","sentiment":"neutral","sentiment_score":0.1205848976969719},{"word":"keeping","start":437.10498,"end":437.505,"confidence":0.98535156,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.1566401720046997},{"word":"the","start":437.505,"end":437.66498,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10007231682538986},{"word":"care","start":437.66498,"end":437.985,"confidence":0.35913086,"punctuated_word":"Care","sentiment":"neutral","sentiment_score":0.060171306133270264},{"word":"super","start":437.985,"end":438.485,"confidence":0.767334,"punctuated_word":"Super?","sentiment":"neutral","sentiment_score":0.12284553796052931},{"word":"how","start":441.78,"end":442.09998,"confidence":0.76416016,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.0917397513985634},{"word":"much","start":442.09998,"end":442.59998,"confidence":0.8251953,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.1264752298593521},{"word":"would","start":448.41998,"end":448.65997,"confidence":0.97265625,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.14630520343780518},{"word":"it","start":448.65997,"end":448.81998,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1316027045249939},{"word":"be","start":448.81998,"end":448.97998,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15939337015151978},{"word":"better","start":448.97998,"end":449.46,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.17192545533180237},{"word":"to","start":449.46,"end":449.62,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08352554589509964},{"word":"just","start":449.62,"end":450.12,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10563512146472932},{"word":"take","start":450.65997,"end":450.97998,"confidence":0.9951172,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.12345413863658904},{"word":"that","start":450.97998,"end":451.13998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14109265804290771},{"word":"money","start":451.13998,"end":451.62,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.08811082690954208},{"word":"out","start":451.62,"end":452.12,"confidence":0.9838867,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.10966408252716064},{"word":"and","start":452.25998,"end":452.58,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13060340285301208},{"word":"combine","start":452.58,"end":453.06,"confidence":0.99902344,"punctuated_word":"combine","sentiment":"neutral","sentiment_score":-0.07328984886407852},{"word":"it","start":453.06,"end":453.3,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06375645846128464},{"word":"with","start":453.3,"end":453.8,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.09494948387145996},{"word":"one","start":456.595,"end":456.755,"confidence":0.99316406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.09246347844600676},{"word":"of","start":456.755,"end":456.835,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03232763707637787},{"word":"the","start":456.835,"end":456.995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07091200351715088},{"word":"other","start":456.995,"end":457.23502,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.07733277976512909},{"word":"accounts","start":457.23502,"end":457.635,"confidence":0.9970703,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":-0.0339789092540741},{"word":"and","start":457.635,"end":458.035,"confidence":0.9526367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09996932744979858},{"word":"close","start":458.035,"end":458.355,"confidence":0.9838867,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.06662255525588989},{"word":"it","start":458.355,"end":458.855,"confidence":0.83984375,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.05969366431236267},{"word":"so","start":493.58502,"end":494.08502,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13270629942417145},{"word":"can","start":494.86502,"end":495.105,"confidence":0.9580078,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13243770599365234},{"word":"i","start":495.105,"end":495.265,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16263940930366516},{"word":"make","start":495.265,"end":495.505,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13697944581508636},{"word":"a","start":495.505,"end":495.665,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14002418518066406},{"word":"claim","start":495.665,"end":496.165,"confidence":1.0,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.1753852367401123},{"word":"if","start":497.67,"end":497.91,"confidence":0.97509766,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12166111171245576},{"word":"i've","start":497.91,"end":498.31,"confidence":0.9406738,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.06506268680095673},{"word":"got","start":498.31,"end":498.63,"confidence":0.9951172,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.035183362662792206},{"word":"cover","start":498.63,"end":498.95,"confidence":0.5859375,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.036533355712890625},{"word":"with","start":498.95,"end":499.27002,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06781129539012909},{"word":"another","start":499.27002,"end":499.75,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.08021821826696396},{"word":"superannuation","start":499.75,"end":500.25,"confidence":0.99576825,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.11261284351348876},{"word":"provider","start":500.71002,"end":501.21002,"confidence":0.9970703,"punctuated_word":"provider?","sentiment":"neutral","sentiment_score":0.11111794412136078},{"word":"so","start":521.92505,"end":522.245,"confidence":0.6386719,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22437679767608645},{"word":"who's","start":522.245,"end":522.745,"confidence":0.84765625,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":0.2856936454772949},{"word":"who's","start":524.005,"end":524.405,"confidence":0.9667969,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":0.04568324610590935},{"word":"who's","start":524.405,"end":524.645,"confidence":0.9448242,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":0.04640352353453636},{"word":"got","start":524.645,"end":524.805,"confidence":0.98828125,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05235957354307175},{"word":"that","start":524.805,"end":525.125,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06333757936954498},{"word":"australian","start":525.125,"end":525.625,"confidence":0.6298828,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.06319239735603333},{"word":"super","start":526.005,"end":526.505,"confidence":0.5235596,"punctuated_word":"Super?","sentiment":"neutral","sentiment_score":0.08001069724559784},{"word":"okay","start":530.78,"end":531.28,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05286462977528572},{"word":"and","start":532.38,"end":532.88,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.038543786853551865},{"word":"with","start":533.74005,"end":534.06,"confidence":0.99316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04066653177142143},{"word":"the","start":534.06,"end":534.22003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.040280766785144806},{"word":"amount","start":534.22003,"end":534.46,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.03749029338359833},{"word":"of","start":534.46,"end":534.54004,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012292258441448212},{"word":"money","start":534.54004,"end":534.78,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.03442325443029404},{"word":"that","start":534.78,"end":534.94,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012998461723327637},{"word":"i'm","start":534.94,"end":535.10004,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0035480931401252747},{"word":"paying","start":535.10004,"end":535.42004,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.008994221687316895},{"word":"in","start":535.42004,"end":535.66003,"confidence":0.9560547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.021703682839870453},{"word":"fees","start":535.66003,"end":536.16003,"confidence":0.95336914,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":-0.00881429947912693},{"word":"is","start":537.26,"end":537.5,"confidence":0.9741211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.012160595506429672},{"word":"it","start":537.5,"end":538.0,"confidence":0.9770508,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0087159164249897},{"word":"yeah","start":539.66003,"end":540.16003,"confidence":0.97021484,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.02357308194041252},{"word":"does","start":540.54004,"end":540.78,"confidence":0.9873047,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.031458958983421326},{"word":"that","start":540.78,"end":540.94,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02018747478723526},{"word":"make","start":540.94,"end":541.18005,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.02289211004972458},{"word":"it","start":541.18005,"end":541.68005,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01151684671640396},{"word":"justifiable","start":541.74005,"end":542.24005,"confidence":0.9967448,"punctuated_word":"justifiable?","sentiment":"neutral","sentiment_score":-0.018260570243000984},{"word":"because","start":552.275,"end":552.515,"confidence":0.83984375,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.07475297152996063},{"word":"if","start":552.515,"end":552.675,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.16534355282783508},{"word":"i'm","start":552.675,"end":553.075,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.16000504791736603},{"word":"making","start":553.075,"end":553.475,"confidence":0.9980469,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.14017194509506226},{"word":"no","start":553.475,"end":553.795,"confidence":0.98095703,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.16780751943588257},{"word":"contributions","start":553.795,"end":554.295,"confidence":0.9863281,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.19306626915931704},{"word":"and","start":555.155,"end":555.395,"confidence":0.86865234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18634214997291565},{"word":"they're","start":555.395,"end":555.635,"confidence":0.9951172,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.1874142736196518},{"word":"charging","start":555.635,"end":556.035,"confidence":1.0,"punctuated_word":"charging","sentiment":"neutral","sentiment_score":-0.1459571123123169},{"word":"a","start":556.035,"end":556.195,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2579473853111267},{"word":"truckload","start":556.195,"end":556.675,"confidence":0.9680176,"punctuated_word":"truckload","sentiment":"neutral","sentiment_score":-0.20442116260528564},{"word":"of","start":556.675,"end":556.835,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2740197777748108},{"word":"fees","start":556.835,"end":557.335,"confidence":0.9777832,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":-0.24680396914482117},{"word":"you","start":558.43,"end":558.58997,"confidence":0.96972656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.31270769238471985},{"word":"know","start":558.58997,"end":558.99,"confidence":0.98168945,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.2848023474216461},{"word":"ten","start":558.99,"end":559.31,"confidence":0.83935547,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.26182693243026733},{"word":"years","start":559.31,"end":559.55,"confidence":0.9667969,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.23691406846046448},{"word":"on","start":559.55,"end":559.79,"confidence":0.52783203,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.23755572736263275},{"word":"there","start":559.79,"end":559.95,"confidence":0.9863281,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.32614150643348694},{"word":"mightn't","start":559.95,"end":560.19,"confidence":0.8517253,"punctuated_word":"mightn't","sentiment":"neutral","sentiment_score":-0.23872293531894684},{"word":"be","start":560.19,"end":560.43,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.3208099901676178},{"word":"any","start":560.43,"end":560.67,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.27975738048553467},{"word":"money","start":560.67,"end":561.07,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.2720009684562683},{"word":"left","start":561.07,"end":561.57,"confidence":0.99316406,"punctuated_word":"left.","sentiment":"neutral","sentiment_score":-0.2157619148492813},{"word":"right","start":571.87,"end":572.37,"confidence":0.717041,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.030338117852807045},{"word":"okay","start":583.695,"end":584.195,"confidence":0.79541016,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.047879450023174286},{"word":"okay","start":602.835,"end":603.23505,"confidence":0.95996094,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.017082130536437035},{"word":"so","start":603.23505,"end":603.47504,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00922198686748743},{"word":"that'll","start":603.47504,"end":603.875,"confidence":0.9313965,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.00963589083403349},{"word":"give","start":603.875,"end":604.11505,"confidence":0.98535156,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.007166612893342972},{"word":"me","start":604.11505,"end":604.275,"confidence":0.9970703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.006799555383622646},{"word":"what","start":604.275,"end":604.59503,"confidence":0.6308594,"punctuated_word":"what?","sentiment":"neutral","sentiment_score":0.002042996697127819},{"word":"fourteen","start":604.59503,"end":605.075,"confidence":0.99560547,"punctuated_word":"Fourteen","sentiment":"neutral","sentiment_score":0.0004208451136946678},{"word":"years","start":605.075,"end":605.575,"confidence":0.9626465,"punctuated_word":"years?","sentiment":"neutral","sentiment_score":0.002614586614072323},{"word":"okay","start":614.755,"end":615.09,"confidence":0.8796387,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03309851512312889},{"word":"okay","start":621.01,"end":621.41003,"confidence":0.9350586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11137506365776062},{"word":"oh","start":621.41003,"end":621.73004,"confidence":0.7897949,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.14892295002937317},{"word":"well","start":621.73004,"end":621.89,"confidence":0.8835449,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.1114034503698349},{"word":"do","start":621.89,"end":622.05005,"confidence":0.51708984,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09571360796689989},{"word":"you","start":622.05005,"end":622.13,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12640850245952606},{"word":"think","start":622.13,"end":622.21,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1362917721271515},{"word":"it's","start":622.21,"end":622.53,"confidence":0.98217773,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2051607370376587},{"word":"well","start":622.69,"end":622.89,"confidence":0.81103516,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2730684280395508},{"word":"i","start":622.89,"end":623.09,"confidence":0.2553711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2167469561100006},{"word":"think","start":623.09,"end":623.59,"confidence":0.46923828,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.23692822456359863},{"word":"i'll","start":623.81,"end":624.13,"confidence":0.73828125,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.24987439811229703},{"word":"you","start":624.45,"end":624.61005,"confidence":0.98095703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1711278110742569},{"word":"know","start":624.61005,"end":625.01,"confidence":0.953125,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1970617175102234},{"word":"i'm","start":625.01,"end":625.25,"confidence":0.7636719,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3631998002529144},{"word":"happy","start":625.25,"end":625.49005,"confidence":0.97265625,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.36524760723114014},{"word":"to","start":625.49005,"end":625.57,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3291684687137604},{"word":"keep","start":625.57,"end":625.81,"confidence":0.91748047,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.4108751118183136},{"word":"it","start":625.81,"end":625.97003,"confidence":0.984375,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3770041763782501},{"word":"then","start":625.97003,"end":626.47003,"confidence":0.7324219,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.27012085914611816},{"word":"yep","start":638.295,"end":638.795,"confidence":0.9038086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.1012873649597168},{"word":"right","start":642.775,"end":643.275,"confidence":0.96313477,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.08220015466213226},{"word":"yeah","start":656.215,"end":656.615,"confidence":0.85546875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.057631999254226685},{"word":"look","start":656.615,"end":657.015,"confidence":0.5599365,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.05339183658361435},{"word":"just","start":657.015,"end":657.335,"confidence":0.9790039,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.045909151434898376},{"word":"just","start":657.335,"end":657.655,"confidence":0.9873047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04134860634803772},{"word":"close","start":657.655,"end":657.975,"confidence":0.97509766,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.08478517085313797},{"word":"it","start":657.975,"end":658.475,"confidence":0.99658203,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.07089821994304657},{"word":"that'll","start":658.775,"end":659.09503,"confidence":0.7338867,"punctuated_word":"That'll","sentiment":"neutral","sentiment_score":0.15608325600624084},{"word":"be","start":659.09503,"end":659.255,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16439443826675415},{"word":"fine","start":659.255,"end":659.755,"confidence":0.9729004,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.22178766131401065},{"word":"yep","start":660.375,"end":660.875,"confidence":0.6065674,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17063984274864197},{"word":"yep","start":678.99,"end":679.47,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13053201138973236},{"word":"yep","start":679.47,"end":679.97,"confidence":0.95581055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20831215381622312},{"word":"yep","start":699.83,"end":700.33,"confidence":0.9067383,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13182756304740906},{"word":"yep","start":701.99005,"end":702.49005,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23854979872703552},{"word":"yeah","start":709.11005,"end":709.61005,"confidence":0.9765625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06757429242134094},{"word":"when","start":710.02496,"end":710.26495,"confidence":0.9951172,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.01975945755839348},{"word":"do","start":710.26495,"end":710.58496,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.012859441339969637},{"word":"you","start":710.58496,"end":710.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.039876751601696014},{"word":"like","start":710.985,"end":711.225,"confidence":0.9382324,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02894684672355652},{"word":"all","start":711.225,"end":711.38495,"confidence":0.97314453,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.020241372287273407},{"word":"my","start":711.38495,"end":711.625,"confidence":0.99609375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.027966558933258057},{"word":"income","start":711.625,"end":712.125,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06885036081075668},{"word":"or","start":712.90497,"end":713.14496,"confidence":0.6274414,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.014932777732610704},{"word":"the","start":713.14496,"end":713.64496,"confidence":0.8588867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0532878041267395},{"word":"super","start":714.105,"end":714.50494,"confidence":0.8959961,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10426367074251176},{"word":"paid","start":714.50494,"end":714.82495,"confidence":0.87353516,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.07393673062324524},{"word":"by","start":714.82495,"end":715.065,"confidence":0.9980469,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.039156217128038406},{"word":"my","start":715.065,"end":715.305,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.0606975294649601},{"word":"employer","start":715.305,"end":715.805,"confidence":1.0,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.09521906822919846},{"word":"who's","start":716.185,"end":716.50494,"confidence":0.7390137,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":0.08314108103513718},{"word":"going","start":716.50494,"end":716.745,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.023323286324739456},{"word":"into","start":716.745,"end":717.065,"confidence":0.97802734,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.02024777978658676},{"word":"australian","start":717.065,"end":717.565,"confidence":0.98095703,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.09443269670009612},{"word":"super","start":717.785,"end":718.285,"confidence":0.5933838,"punctuated_word":"Super,","sentiment":"neutral","sentiment_score":0.03631516546010971},{"word":"when","start":719.38495,"end":719.625,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.004373274743556976},{"word":"do","start":719.625,"end":719.785,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.012675575911998749},{"word":"you","start":719.785,"end":720.285,"confidence":0.98291016,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.0194453839212656},{"word":"like","start":720.58496,"end":721.08496,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.014576734974980354},{"word":"transfer","start":721.94495,"end":722.44495,"confidence":0.9970703,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.006253182888031006},{"word":"a","start":723.06995,"end":723.23,"confidence":0.5209961,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01440923847258091},{"word":"man","start":723.23,"end":723.38995,"confidence":0.72998047,"punctuated_word":"man","sentiment":"neutral","sentiment_score":0.02986149862408638},{"word":"across","start":723.38995,"end":723.87,"confidence":0.48950195,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.015702776610851288},{"word":"from","start":723.87,"end":724.02997,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.03764381259679794},{"word":"that","start":724.02997,"end":724.26996,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.026268448680639267},{"word":"into","start":724.26996,"end":724.75,"confidence":0.96972656,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.024870585650205612},{"word":"hub","start":724.75,"end":725.06995,"confidence":0.56347656,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.06733710318803787},{"word":"twenty","start":725.06995,"end":725.38995,"confidence":0.9980469,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.06955240666866302},{"word":"four","start":725.38995,"end":725.88995,"confidence":0.9812012,"punctuated_word":"four?","sentiment":"neutral","sentiment_score":0.017592931166291237},{"word":"yep","start":736.82996,"end":737.265,"confidence":0.9885254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09673579037189484},{"word":"okay","start":763.785,"end":764.26495,"confidence":0.9379883,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04564683511853218},{"word":"so","start":764.26495,"end":764.58496,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.023290051147341728},{"word":"how","start":764.58496,"end":764.825,"confidence":0.99121094,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.017435414716601372},{"word":"often","start":764.825,"end":765.065,"confidence":1.0,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.03896688297390938},{"word":"would","start":765.065,"end":765.305,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03367302194237709},{"word":"you","start":765.305,"end":765.385,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04729968681931496},{"word":"normally","start":765.385,"end":765.70496,"confidence":0.99902344,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.06333136558532715},{"word":"do","start":765.70496,"end":765.865,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05278810113668442},{"word":"it","start":765.865,"end":766.02496,"confidence":0.96777344,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.04509870335459709},{"word":"just","start":766.02496,"end":766.26495,"confidence":0.8647461,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.030829085037112236},{"word":"one","start":766.26495,"end":766.425,"confidence":0.8676758,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.045719824731349945},{"word":"for","start":766.425,"end":766.665,"confidence":0.9165039,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04046476632356644},{"word":"years","start":766.665,"end":766.985,"confidence":0.91259766,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.05205778777599335},{"word":"at","start":766.985,"end":767.14496,"confidence":0.6401367,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0533226802945137},{"word":"each","start":767.14496,"end":767.46497,"confidence":0.99609375,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.044927068054676056},{"word":"review","start":767.46497,"end":767.96497,"confidence":0.77978516,"punctuated_word":"review?","sentiment":"neutral","sentiment_score":0.046725668013095856},{"word":"right","start":777.065,"end":777.565,"confidence":0.98999023,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.048708654940128326},{"word":"okay","start":785.47,"end":785.97,"confidence":0.85546875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1298103928565979},{"word":"yep","start":786.11,"end":786.59,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1598982214927673},{"word":"yep","start":786.59,"end":787.09,"confidence":0.99194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2314123213291168},{"word":"you're","start":814.12,"end":814.27997,"confidence":0.68640137,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.2987135648727417},{"word":"right","start":814.27997,"end":814.68,"confidence":0.9016113,"punctuated_word":"right.","sentiment":"positive","sentiment_score":0.33736515045166016},{"word":"you're","start":814.68,"end":815.0,"confidence":0.8869629,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.3113543391227722},{"word":"right","start":815.0,"end":815.5,"confidence":0.98535156,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.327227383852005},{"word":"yep","start":817.16,"end":817.63995,"confidence":0.97631836,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3914853930473328},{"word":"cool","start":817.63995,"end":818.13995,"confidence":0.9321289,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5849966406822205},{"word":"yes","start":832.395,"end":832.895,"confidence":0.8679199,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2081620842218399},{"word":"let","start":835.45,"end":835.76996,"confidence":0.99316406,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.16406485438346863},{"word":"me","start":835.76996,"end":836.01,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.20364341139793396},{"word":"just","start":836.01,"end":836.33,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15201768279075625},{"word":"see","start":836.33,"end":836.83,"confidence":0.75805664,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.17648369073867798},{"word":"let","start":838.49,"end":838.73,"confidence":0.70214844,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.22774742543697357},{"word":"me","start":838.73,"end":838.89,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.24725377559661865},{"word":"have","start":838.89,"end":839.05,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23358753323554993},{"word":"a","start":839.05,"end":839.13,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22163096070289612},{"word":"quick","start":839.13,"end":839.37,"confidence":0.99902344,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.226876363158226},{"word":"look","start":839.37,"end":839.52997,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.21256230771541595},{"word":"at","start":839.52997,"end":839.69,"confidence":0.94970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.24905259907245636},{"word":"my","start":839.69,"end":839.85,"confidence":0.9951172,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.29921671748161316},{"word":"roster","start":839.85,"end":840.35,"confidence":0.7409668,"punctuated_word":"roster,","sentiment":"neutral","sentiment_score":0.2104231119155884},{"word":"and","start":840.49,"end":840.73,"confidence":0.6977539,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2061806321144104},{"word":"i'll","start":840.73,"end":841.23,"confidence":0.9975586,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2939091920852661},{"word":"see","start":842.97,"end":843.29,"confidence":0.9873047,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.31060102581977844},{"word":"what","start":843.29,"end":843.45,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2709387242794037},{"word":"i'm","start":843.45,"end":843.61,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.30417028069496155},{"word":"doing","start":843.61,"end":844.11,"confidence":0.9707031,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":0.27804508805274963},{"word":"monday","start":864.99005,"end":865.47003,"confidence":0.5366211,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":0.11323204636573792},{"word":"and","start":865.47003,"end":865.63,"confidence":0.6665039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09837980568408966},{"word":"tuesday","start":865.63,"end":866.03,"confidence":0.5515137,"punctuated_word":"Tuesday.","sentiment":"neutral","sentiment_score":0.1321280300617218},{"word":"i've","start":866.03,"end":866.27,"confidence":0.9082031,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2001921832561493},{"word":"got","start":866.27,"end":866.43005,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1947409212589264},{"word":"tuesday","start":866.43005,"end":866.83,"confidence":0.99609375,"punctuated_word":"Tuesday","sentiment":"neutral","sentiment_score":0.1859888732433319},{"word":"and","start":866.83,"end":867.07,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16993403434753418},{"word":"wednesday","start":867.07,"end":867.55005,"confidence":1.0,"punctuated_word":"Wednesday","sentiment":"neutral","sentiment_score":0.18613335490226743},{"word":"off","start":867.55005,"end":867.79004,"confidence":0.78027344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.15166468918323517},{"word":"next","start":867.79004,"end":868.03,"confidence":0.9951172,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1489739865064621},{"word":"week","start":868.03,"end":868.53,"confidence":0.79663086,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.16022029519081116},{"word":"so","start":870.67004,"end":870.83,"confidence":0.8071289,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21349427103996277},{"word":"i'm","start":870.83,"end":870.99005,"confidence":0.74401855,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.29110187292099},{"word":"pretty","start":870.99005,"end":871.31,"confidence":0.9921875,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4011927843093872},{"word":"flexible","start":871.31,"end":871.81,"confidence":0.6829834,"punctuated_word":"flexible.","sentiment":"neutral","sentiment_score":0.3123881220817566},{"word":"yeah","start":878.225,"end":878.46497,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1900918334722519},{"word":"that","start":878.46497,"end":878.70496,"confidence":0.99902344,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.34404656291007996},{"word":"should","start":878.70496,"end":878.865,"confidence":0.9980469,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.4324862062931061},{"word":"be","start":878.865,"end":879.02496,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3553827404975891},{"word":"okay","start":879.02496,"end":879.52496,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.41446906328201294},{"word":"alright","start":900.69995,"end":901.19995,"confidence":0.7546387,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.07241062074899673},{"word":"so","start":901.29504,"end":901.455,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05348953232169151},{"word":"that","start":901.455,"end":901.695,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04531664401292801},{"word":"was","start":901.695,"end":901.935,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0495372898876667},{"word":"1pm","start":901.935,"end":902.835,"confidence":0.99658203,"punctuated_word":"1PM","sentiment":"neutral","sentiment_score":0.0641198605298996},{"word":"on","start":903.455,"end":903.695,"confidence":0.98095703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05522937327623367},{"word":"wednesday","start":903.695,"end":904.195,"confidence":0.78466797,"punctuated_word":"Wednesday,","sentiment":"neutral","sentiment_score":0.04999947175383568},{"word":"the","start":904.335,"end":904.49506,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.042743053287267685},{"word":"ninth","start":904.49506,"end":904.99506,"confidence":0.9526367,"punctuated_word":"ninth.","sentiment":"neutral","sentiment_score":0.04003284126520157},{"word":"oh","start":907.455,"end":907.61505,"confidence":0.88720703,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.0303498487919569},{"word":"01:30","start":907.61505,"end":908.41504,"confidence":0.9769287,"punctuated_word":"01:30.","sentiment":"neutral","sentiment_score":0.02413059026002884},{"word":"sorry","start":908.41504,"end":908.91504,"confidence":0.9921875,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.003714394755661488},{"word":"01:30pm","start":911.29504,"end":912.515,"confidence":0.99869794,"punctuated_word":"01:30PM","sentiment":"neutral","sentiment_score":0.016506630927324295},{"word":"on","start":912.575,"end":912.815,"confidence":0.96972656,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.013090810738503931},{"word":"wednesday","start":912.815,"end":913.29504,"confidence":0.9770508,"punctuated_word":"Wednesday,","sentiment":"neutral","sentiment_score":0.014194846153259276},{"word":"the","start":913.29504,"end":913.455,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015018472447991371},{"word":"ninth","start":913.455,"end":913.955,"confidence":0.99902344,"punctuated_word":"ninth.","sentiment":"neutral","sentiment_score":0.022494880482554436},{"word":"not","start":924.31995,"end":924.56,"confidence":0.9003906,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.05145461857318878},{"word":"really","start":924.56,"end":924.87994,"confidence":0.98950195,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.04714404046535492},{"word":"i've","start":924.87994,"end":925.19995,"confidence":0.9916992,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.015108782798051834},{"word":"i've","start":925.19995,"end":925.36,"confidence":0.98217773,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.0016947127878665924},{"word":"got","start":925.36,"end":925.51996,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.017399929463863373},{"word":"a","start":925.51996,"end":925.68,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.014213232323527336},{"word":"paper","start":925.68,"end":926.07996,"confidence":0.99902344,"punctuated_word":"paper","sentiment":"neutral","sentiment_score":0.004251938313245773},{"word":"diary","start":926.07996,"end":926.57996,"confidence":0.8261719,"punctuated_word":"diary,","sentiment":"neutral","sentiment_score":-0.01872839964926243},{"word":"an","start":927.26495,"end":927.58496,"confidence":0.9873047,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.015745945274829865},{"word":"old","start":927.58496,"end":928.08496,"confidence":0.9970703,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.01559167355298996},{"word":"fashioned","start":928.385,"end":928.625,"confidence":0.78222656,"punctuated_word":"fashioned","sentiment":"neutral","sentiment_score":0.006435226649045944},{"word":"diary","start":928.625,"end":928.945,"confidence":0.9980469,"punctuated_word":"diary","sentiment":"neutral","sentiment_score":0.0016122795641422272},{"word":"that","start":928.945,"end":929.105,"confidence":0.7602539,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.031382858753204346},{"word":"i've","start":929.105,"end":929.345,"confidence":0.9921875,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.03180066868662834},{"word":"just","start":929.345,"end":929.58496,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0373079851269722},{"word":"written","start":929.58496,"end":929.82495,"confidence":1.0,"punctuated_word":"written","sentiment":"neutral","sentiment_score":0.04106645658612251},{"word":"it","start":929.82495,"end":929.985,"confidence":0.9370117,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04333394765853882},{"word":"down","start":929.985,"end":930.225,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.05004427209496498},{"word":"in","start":930.225,"end":930.725,"confidence":0.98461914,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.02267242595553398},{"word":"yep","start":937.985,"end":938.485,"confidence":0.9567871,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1049191951751709},{"word":"yep","start":939.58496,"end":939.90497,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19265906512737271},{"word":"beautiful","start":939.90497,"end":940.40497,"confidence":0.9970703,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6120275855064392},{"word":"no","start":944.74005,"end":945.24005,"confidence":0.91748047,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03956928476691246},{"word":"that's","start":945.38,"end":945.88,"confidence":0.95703125,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0325823575258255},{"word":"i","start":947.22003,"end":947.38,"confidence":0.37695312,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04343664273619652},{"word":"don't","start":947.38,"end":947.62,"confidence":0.9169922,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04283469542860985},{"word":"know","start":947.62,"end":948.02,"confidence":0.9941406,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.005753763020038605},{"word":"what","start":948.02,"end":948.26,"confidence":0.99609375,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.001254059374332428},{"word":"else","start":948.26,"end":948.5,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.03707897290587425},{"word":"do","start":948.5,"end":948.66003,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03429432585835457},{"word":"you","start":948.66003,"end":948.82,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06202997267246246},{"word":"do","start":948.82,"end":949.32,"confidence":0.98950195,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":0.11149810999631882},{"word":"yep","start":972.32,"end":972.80005,"confidence":0.78100586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09055458009243011},{"word":"yep","start":972.80005,"end":973.30005,"confidence":0.88671875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08534471690654755},{"word":"yeah","start":973.84,"end":974.24005,"confidence":0.98291016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0587199442088604},{"word":"the","start":974.24005,"end":974.4,"confidence":0.80371094,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.18770797550678253},{"word":"only","start":974.4,"end":974.56,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.23138327896595},{"word":"reason","start":974.56,"end":974.96,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.18953759968280792},{"word":"i","start":974.96,"end":975.12,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2111867070198059},{"word":"had","start":975.12,"end":975.36005,"confidence":0.98535156,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.20967590808868408},{"word":"that","start":975.36005,"end":975.52,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.20651701092720032},{"word":"one","start":975.52,"end":975.76,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.24905824661254883},{"word":"was","start":975.76,"end":976.26,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.3318920433521271},{"word":"that","start":977.2,"end":977.44,"confidence":0.75439453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17984440922737122},{"word":"was","start":977.44,"end":977.68,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.26591259241104126},{"word":"just","start":977.68,"end":978.18,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2043707370758057},{"word":"the","start":978.24005,"end":978.48004,"confidence":0.90527344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2251160144805908},{"word":"super","start":978.48004,"end":978.88,"confidence":0.8232422,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.1885099858045578},{"word":"that","start":978.88,"end":979.38,"confidence":0.94189453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2525109052658081},{"word":"you","start":980.355,"end":980.71497,"confidence":0.3947754,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2177630215883255},{"word":"was","start":981.07495,"end":981.39496,"confidence":0.8232422,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.18367108702659607},{"word":"used","start":981.39496,"end":981.875,"confidence":0.9277344,"punctuated_word":"used","sentiment":"neutral","sentiment_score":-0.1853371262550354},{"word":"with","start":981.875,"end":982.195,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.14034676551818848},{"word":"a","start":982.195,"end":982.435,"confidence":0.78125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13615486025810242},{"word":"previous","start":982.435,"end":982.935,"confidence":1.0,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":-0.1436201184988022},{"word":"employer","start":983.07495,"end":983.57495,"confidence":0.9807129,"punctuated_word":"employer.","sentiment":"neutral","sentiment_score":-0.09895463287830351},{"word":"so","start":986.035,"end":986.535,"confidence":0.93603516,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07068991661071777},{"word":"yeah","start":987.71497,"end":988.035,"confidence":0.9760742,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.07679817825555801},{"word":"no","start":988.035,"end":988.535,"confidence":0.9226074,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.25587090849876404},{"word":"we'll","start":988.675,"end":988.915,"confidence":0.98095703,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":-0.2236317843198776},{"word":"get","start":988.915,"end":989.07495,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.2387695014476776},{"word":"rid","start":989.07495,"end":989.235,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.24253958463668823},{"word":"of","start":989.235,"end":989.315,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19762365520000455},{"word":"that","start":989.315,"end":989.475,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.24223020672798157},{"word":"and","start":989.475,"end":989.635,"confidence":0.9506836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07589311897754669},{"word":"tidy","start":989.635,"end":989.95496,"confidence":0.99902344,"punctuated_word":"tidy","sentiment":"neutral","sentiment_score":-0.04831591248512268},{"word":"things","start":989.95496,"end":990.195,"confidence":0.9970703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.008216828107833862},{"word":"up","start":990.195,"end":990.355,"confidence":0.9941406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.04362061619758606},{"word":"a","start":990.355,"end":990.51495,"confidence":0.88964844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07314912974834442},{"word":"bit","start":990.51495,"end":991.01495,"confidence":0.99853516,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.04787983000278473},{"word":"yep","start":1001.91,"end":1002.31,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23940736055374143},{"word":"beautiful","start":1002.31,"end":1002.81,"confidence":0.98583984,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.787136435508728},{"word":"terrific","start":1007.75,"end":1008.25,"confidence":0.95442706,"punctuated_word":"Terrific.","sentiment":"positive","sentiment_score":0.8223572969436646},{"word":"thank","start":1008.31,"end":1008.47,"confidence":0.99121094,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8027334213256836},{"word":"you","start":1008.47,"end":1008.97,"confidence":0.9875488,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.7647722959518433},{"word":"see","start":1009.11,"end":1009.26996,"confidence":0.3959961,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.6494020223617554},{"word":"you","start":1009.26996,"end":1009.51996,"confidence":0.9855957,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6543077230453491},{"word":"bye","start":1009.51996,"end":1010.01996,"confidence":0.96435547,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.4072130918502808}],"paragraphs":{"transcript":"\nYeah. Good. Yourself? Yeah. That's alright.\n\nI yeah. I was just in the middle of doing something, and I had these plastic gloves on. You know, he was trying to answer my phone, and, yeah, it wasn't responding. Yep. Yep.\n\nSure. Yep. Yep. Right. Right.\n\nTomorrow, do I just got it to be high risk or something today? Yeah. Yep. Yep. Yep.\n\nI'm surprised. I was gonna say I'm surprised because how many Qantas planes crashed? None. No. Okay.\n\nYep. Yep. Yeah. Well, yeah, that that's what would happen because if we have a broken leg, yeah, we can't walk. We do a lot of walking with train drivers because because trains are so big.\n\nYou know, if we've gotta move it out to the yard, for example, once we get off the train, it's a long walk from the yard back to civilization just because the yard is so big because they're gonna hold big trains. So we need to be able to walk. We need to be able to climb in and out of trains if we're on the ground. Yeah. So, yeah, we couldn't do that.\n\nI mean, you can still operate a train from inside the cabin, but it's getting in and out of the cabin that you'd have probably have a a drama with. Yeah. That's what I'll do. Yep. I would say medically empty.\n\nYep. Right. Right. Yeah. For sure.\n\nYep. Alright. What address were they sending them to? Yeah. That's my current address now.\n\nBut what address does care have on file? Oh, well, it's definitely where I am now. Yeah. Well, I've had the same email address for twenty years. So it but I don't have my current one.\n\nYeah. Yeah. Definitely noticed that. Okay. Is it really worthwhile keeping the Care Super?\n\nHow much would it be better to just take that money out and combine it with one of the other accounts and close it. So can I make a claim if I've got cover with another superannuation provider? So who's who's who's got that Australian Super? Okay. And with the amount of money that I'm paying in fees, is it yeah.\n\nDoes that make it justifiable? Because if I'm making no contributions and they're charging a truckload of fees, you know, ten years on, there mightn't be any money left. Right? Okay. Okay.\n\nSo that'll give me what? Fourteen years? Okay. Okay. Oh, well, do you think it's well, I think I'll you know, I'm happy to keep it then.\n\nYep. Right. Yeah. Look. Just just close it.\n\nThat'll be fine. Yep. Yep. Yep. Yep.\n\nYep. Yeah. When do you like, all my income or the super paid by my employer who's going into Australian Super, when do you, like, transfer a man across from that into hub twenty four? Yep. Okay.\n\nSo how often would you normally do it? Just one for years at each review? Right. Okay. Yep.\n\nYep. You're right. You're right. Yep. Cool.\n\nYes. Let me just see. Let me have a quick look at my roster, and I'll see what I'm doing. Monday and Tuesday. I've got Tuesday and Wednesday off next week.\n\nSo I'm pretty flexible. Yeah. That should be okay. Alright. So that was 1PM on Wednesday, the ninth.\n\nOh, 01:30. Sorry. 01:30PM on Wednesday, the ninth. Not really. I've I've got a paper diary, an old fashioned diary that I've just written it down in.\n\nYep. Yep. Beautiful. No. That's I don't know.\n\nWhat else do you do? Yep. Yep. Yeah. The only reason I had that one was that was just the super that you was used with a previous employer.\n\nSo yeah. No. We'll get rid of that and tidy things up a bit. Yep. Beautiful.\n\nTerrific. Thank you. See you. Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":4.72,"end":5.04,"sentiment":"neutral","sentiment_score":0.31575337052345276},{"text":"Good.","start":5.04,"end":5.3599997,"sentiment":"positive","sentiment_score":0.5948878526687622},{"text":"Yourself?","start":5.3599997,"end":5.8599997,"sentiment":"positive","sentiment_score":0.47393640875816345},{"text":"Yeah.","start":10.719999,"end":10.96,"sentiment":"neutral","sentiment_score":0.2333671599626541},{"text":"That's alright.","start":10.96,"end":11.679999,"sentiment":"neutral","sentiment_score":0.17707159370183945}],"sentiment":"neutral","sentiment_score":0.3286813298861186,"num_words":6,"start":4.72,"end":11.679999},{"sentences":[{"text":"I yeah.","start":11.679999,"end":12.4,"sentiment":"neutral","sentiment_score":0.07026543840765953},{"text":"I was just in the middle of doing something, and I had these plastic gloves on.","start":12.4,"end":17.744999,"sentiment":"neutral","sentiment_score":-0.055259655229747295},{"text":"You know, he was trying to answer my phone, and, yeah, it wasn't responding.","start":17.744999,"end":22.404999,"sentiment":"neutral","sentiment_score":-0.12174465321004391},{"text":"Yep.","start":40.34,"end":40.84,"sentiment":"positive","sentiment_score":0.39031848311424255},{"text":"Yep.","start":41.940002,"end":42.440002,"sentiment":"neutral","sentiment_score":0.2053627222776413}],"sentiment":"neutral","sentiment_score":-0.05448139842380496,"num_words":34,"start":11.679999,"end":42.440002},{"sentences":[{"text":"Sure.","start":53.045,"end":53.545,"sentiment":"neutral","sentiment_score":0.07431098818778992},{"text":"Yep.","start":73.685,"end":74.185,"sentiment":"neutral","sentiment_score":0.03396448493003845},{"text":"Yep.","start":82.085,"end":82.5,"sentiment":"neutral","sentiment_score":0.05672656744718552},{"text":"Right.","start":111.78,"end":112.28,"sentiment":"neutral","sentiment_score":0.008905177935957909},{"text":"Right.","start":112.340004,"end":112.840004,"sentiment":"neutral","sentiment_score":-0.009955383837223051}],"sentiment":"neutral","sentiment_score":0.03279036693274975,"num_words":5,"start":53.045,"end":112.840004},{"sentences":[{"text":"Tomorrow, do I just got it to be high risk or something today?","start":113.46,"end":116.840004,"sentiment":"neutral","sentiment_score":-0.16232559973230729},{"text":"Yeah.","start":137.425,"end":137.925,"sentiment":"neutral","sentiment_score":-0.0831993967294693},{"text":"Yep.","start":141.08,"end":141.32,"sentiment":"neutral","sentiment_score":0.04609083384275437},{"text":"Yep.","start":141.32,"end":141.82,"sentiment":"neutral","sentiment_score":0.048568837344646454},{"text":"Yep.","start":151.24,"end":151.74,"sentiment":"neutral","sentiment_score":0.0012882165610790253}],"sentiment":"neutral","sentiment_score":-0.12338142973535202,"num_words":17,"start":113.46,"end":151.74},{"sentences":[{"text":"I'm surprised.","start":152.925,"end":153.58499,"sentiment":"neutral","sentiment_score":-0.11619947105646133},{"text":"I was gonna say I'm surprised because how many Qantas planes crashed?","start":154.36499,"end":159.185,"sentiment":"neutral","sentiment_score":-0.16725781001150608},{"text":"None.","start":160.925,"end":161.425,"sentiment":"neutral","sentiment_score":-0.11278463900089264},{"text":"No.","start":185.035,"end":185.275,"sentiment":"neutral","sentiment_score":-0.23455527424812317},{"text":"Okay.","start":185.275,"end":185.775,"sentiment":"neutral","sentiment_score":-0.1948745548725128}],"sentiment":"neutral","sentiment_score":-0.16362983119838378,"num_words":17,"start":152.925,"end":185.775},{"sentences":[{"text":"Yep.","start":185.915,"end":186.315,"sentiment":"neutral","sentiment_score":-0.03720702975988388},{"text":"Yep.","start":186.315,"end":186.815,"sentiment":"neutral","sentiment_score":-0.04931696876883507},{"text":"Yeah.","start":196.54001,"end":196.94,"sentiment":"neutral","sentiment_score":-0.09587762504816057},{"text":"Well, yeah, that that's what would happen because if we have a broken leg, yeah, we can't walk.","start":196.94,"end":206.405,"sentiment":"neutral","sentiment_score":-0.15037433223591912},{"text":"We do a lot of walking with train drivers because because trains are so big.","start":206.405,"end":211.865,"sentiment":"neutral","sentiment_score":-0.12016019821166993}],"sentiment":"neutral","sentiment_score":-0.13032062713884646,"num_words":36,"start":185.915,"end":211.865},{"sentences":[{"text":"You know, if we've gotta move it out to the yard, for example, once we get off the train, it's a long walk from the yard back to civilization just because the yard is so big because they're gonna hold big trains.","start":214.645,"end":231.58,"sentiment":"neutral","sentiment_score":-0.08203425018915109},{"text":"So we need to be able to walk.","start":232.685,"end":234.125,"sentiment":"neutral","sentiment_score":-0.05759885394945741},{"text":"We need to be able to climb in and out of trains if we're on the ground.","start":234.125,"end":237.905,"sentiment":"neutral","sentiment_score":0.14130541068666122},{"text":"Yeah.","start":245.73001,"end":246.05,"sentiment":"neutral","sentiment_score":0.008147168904542923},{"text":"So, yeah, we couldn't do that.","start":246.05,"end":247.33,"sentiment":"neutral","sentiment_score":-0.2078085175404946}],"sentiment":"neutral","sentiment_score":-0.037064071543313364,"num_words":74,"start":214.645,"end":247.33},{"sentences":[{"text":"I mean, you can still operate a train from inside the cabin, but it's getting in and out of the cabin that you'd have probably have a a drama with.","start":247.33,"end":255.43001,"sentiment":"neutral","sentiment_score":-0.1785909730941057},{"text":"Yeah.","start":263.08502,"end":263.325,"sentiment":"neutral","sentiment_score":0.005966560915112495},{"text":"That's what I'll do.","start":263.325,"end":264.445,"sentiment":"neutral","sentiment_score":0.0649268887937069},{"text":"Yep.","start":264.445,"end":264.945,"sentiment":"neutral","sentiment_score":0.06792627274990082},{"text":"I would say medically empty.","start":265.005,"end":266.545,"sentiment":"neutral","sentiment_score":0.019589275121688843}],"sentiment":"neutral","sentiment_score":-0.12015079093597285,"num_words":41,"start":247.33,"end":266.545},{"sentences":[{"text":"Yep.","start":290.285,"end":290.785,"sentiment":"neutral","sentiment_score":-0.013544155284762384},{"text":"Right.","start":303.37997,"end":303.69998,"sentiment":"neutral","sentiment_score":-0.048369064927101135},{"text":"Right.","start":303.69998,"end":304.19998,"sentiment":"neutral","sentiment_score":-0.06262501329183578},{"text":"Yeah.","start":310.81998,"end":311.21997,"sentiment":"neutral","sentiment_score":0.209682434797287},{"text":"For sure.","start":311.21997,"end":311.78,"sentiment":"neutral","sentiment_score":0.16414490342140198}],"sentiment":"neutral","sentiment_score":0.06890566802273194,"num_words":6,"start":290.285,"end":311.78},{"sentences":[{"text":"Yep.","start":311.78,"end":312.28,"sentiment":"neutral","sentiment_score":0.13295191526412964},{"text":"Alright.","start":338.37003,"end":338.77002,"sentiment":"neutral","sentiment_score":-0.014413426630198956},{"text":"What address were they sending them to?","start":338.77002,"end":340.71002,"sentiment":"neutral","sentiment_score":-0.01947425671720079},{"text":"Yeah.","start":347.13498,"end":347.455,"sentiment":"neutral","sentiment_score":0.012554416432976724},{"text":"That's my current address now.","start":347.455,"end":349.715,"sentiment":"neutral","sentiment_score":0.0019523974508047104}],"sentiment":"neutral","sentiment_score":0.00030233968670169523,"num_words":15,"start":311.78,"end":349.715},{"sentences":[{"text":"But what address does care have on file?","start":350.175,"end":352.755,"sentiment":"neutral","sentiment_score":-0.005281145568005741},{"text":"Oh, well, it's definitely where I am now.","start":357.15,"end":359.25,"sentiment":"neutral","sentiment_score":0.08525741705670953},{"text":"Yeah.","start":374.685,"end":375.005,"sentiment":"neutral","sentiment_score":-0.031763892620801926},{"text":"Well, I've had the same email address for twenty years.","start":375.005,"end":377.88498,"sentiment":"neutral","sentiment_score":-0.04555087052285671},{"text":"So it but I don't have my current one.","start":377.88498,"end":382.27002,"sentiment":"neutral","sentiment_score":-0.10294470025433435}],"sentiment":"neutral","sentiment_score":-0.02149902022857633,"num_words":36,"start":350.175,"end":382.27002},{"sentences":[{"text":"Yeah.","start":385.53,"end":386.03,"sentiment":"neutral","sentiment_score":0.003185128793120384},{"text":"Yeah.","start":389.69,"end":390.17,"sentiment":"neutral","sentiment_score":0.004388468340039253},{"text":"Definitely noticed that.","start":390.17,"end":391.79,"sentiment":"neutral","sentiment_score":0.015154113372166952},{"text":"Okay.","start":408.66,"end":409.16,"sentiment":"neutral","sentiment_score":0.11802223324775696},{"text":"Is it really worthwhile keeping the Care Super?","start":435.345,"end":438.485,"sentiment":"neutral","sentiment_score":0.12938412744551897}],"sentiment":"neutral","sentiment_score":0.08615222786154066,"num_words":14,"start":385.53,"end":438.485},{"sentences":[{"text":"How much would it be better to just take that money out and combine it with one of the other accounts and close it.","start":441.78,"end":458.855,"sentiment":"neutral","sentiment_score":-0.09895098488777876},{"text":"So can I make a claim if I've got cover with another superannuation provider?","start":493.58502,"end":501.21002,"sentiment":"neutral","sentiment_score":0.10788379290274211},{"text":"So who's who's who's got that Australian Super?","start":521.92505,"end":526.505,"sentiment":"neutral","sentiment_score":0.10763218253850937},{"text":"Okay.","start":530.78,"end":531.28,"sentiment":"neutral","sentiment_score":0.05286462977528572},{"text":"And with the amount of money that I'm paying in fees, is it yeah.","start":532.38,"end":540.16003,"sentiment":"neutral","sentiment_score":0.009227533026465349}],"sentiment":"neutral","sentiment_score":0.002928803537468441,"num_words":61,"start":441.78,"end":540.16003},{"sentences":[{"text":"Does that make it justifiable?","start":540.54004,"end":542.24005,"sentiment":"neutral","sentiment_score":-0.008181463554501533},{"text":"Because if I'm making no contributions and they're charging a truckload of fees, you know, ten years on, there mightn't be any money left.","start":552.275,"end":561.57,"sentiment":"neutral","sentiment_score":-0.2246272750198841},{"text":"Right?","start":571.87,"end":572.37,"sentiment":"neutral","sentiment_score":-0.030338117852807045},{"text":"Okay.","start":583.695,"end":584.195,"sentiment":"neutral","sentiment_score":0.047879450023174286},{"text":"Okay.","start":602.835,"end":603.23505,"sentiment":"neutral","sentiment_score":-0.017082130536437035}],"sentiment":"neutral","sentiment_score":-0.16973445989424363,"num_words":32,"start":540.54004,"end":603.23505},{"sentences":[{"text":"So that'll give me what?","start":603.23505,"end":604.59503,"sentiment":"neutral","sentiment_score":0.006973408535122872},{"text":"Fourteen years?","start":604.59503,"end":605.575,"sentiment":"neutral","sentiment_score":0.0015177158638834953},{"text":"Okay.","start":614.755,"end":615.09,"sentiment":"neutral","sentiment_score":0.03309851512312889},{"text":"Okay.","start":621.01,"end":621.41003,"sentiment":"neutral","sentiment_score":0.11137506365776062},{"text":"Oh, well, do you think it's well, I think I'll you know, I'm happy to keep it then.","start":621.41003,"end":626.47003,"sentiment":"neutral","sentiment_score":0.23801803216338158}],"sentiment":"neutral","sentiment_score":0.16543335674537551,"num_words":27,"start":603.23505,"end":626.47003},{"sentences":[{"text":"Yep.","start":638.295,"end":638.795,"sentiment":"neutral","sentiment_score":-0.1012873649597168},{"text":"Right.","start":642.775,"end":643.275,"sentiment":"neutral","sentiment_score":-0.08220015466213226},{"text":"Yeah.","start":656.215,"end":656.615,"sentiment":"neutral","sentiment_score":0.057631999254226685},{"text":"Look.","start":656.615,"end":657.015,"sentiment":"neutral","sentiment_score":0.05339183658361435},{"text":"Just just close it.","start":657.015,"end":658.475,"sentiment":"neutral","sentiment_score":0.06073528714478016}],"sentiment":"neutral","sentiment_score":0.021309683099389076,"num_words":8,"start":638.295,"end":658.475},{"sentences":[{"text":"That'll be fine.","start":658.775,"end":659.755,"sentiment":"neutral","sentiment_score":0.18075511852900186},{"text":"Yep.","start":660.375,"end":660.875,"sentiment":"neutral","sentiment_score":0.17063984274864197},{"text":"Yep.","start":678.99,"end":679.47,"sentiment":"neutral","sentiment_score":0.13053201138973236},{"text":"Yep.","start":679.47,"end":679.97,"sentiment":"neutral","sentiment_score":0.20831215381622312},{"text":"Yep.","start":699.83,"end":700.33,"sentiment":"neutral","sentiment_score":0.13182756304740906}],"sentiment":"neutral","sentiment_score":0.1690824180841446,"num_words":7,"start":658.775,"end":700.33},{"sentences":[{"text":"Yep.","start":701.99005,"end":702.49005,"sentiment":"neutral","sentiment_score":0.23854979872703552},{"text":"Yeah.","start":709.11005,"end":709.61005,"sentiment":"neutral","sentiment_score":0.06757429242134094},{"text":"When do you like, all my income or the super paid by my employer who's going into Australian Super, when do you, like, transfer a man across from that into hub twenty four?","start":710.02496,"end":725.88995,"sentiment":"neutral","sentiment_score":0.03795958784493533},{"text":"Yep.","start":736.82996,"end":737.265,"sentiment":"neutral","sentiment_score":0.09673579037189484},{"text":"Okay.","start":763.785,"end":764.26495,"sentiment":"neutral","sentiment_score":0.04564683511853218}],"sentiment":"neutral","sentiment_score":0.04597765177085593,"num_words":37,"start":701.99005,"end":764.26495},{"sentences":[{"text":"So how often would you normally do it?","start":764.26495,"end":766.02496,"sentiment":"neutral","sentiment_score":0.04023540345951915},{"text":"Just one for years at each review?","start":766.02496,"end":767.96497,"sentiment":"neutral","sentiment_score":0.04486384003290108},{"text":"Right.","start":777.065,"end":777.565,"sentiment":"neutral","sentiment_score":0.048708654940128326},{"text":"Okay.","start":785.47,"end":785.97,"sentiment":"neutral","sentiment_score":0.1298103928565979},{"text":"Yep.","start":786.11,"end":786.59,"sentiment":"neutral","sentiment_score":0.1598982214927673}],"sentiment":"neutral","sentiment_score":0.054130409844219685,"num_words":18,"start":764.26495,"end":786.59},{"sentences":[{"text":"Yep.","start":786.59,"end":787.09,"sentiment":"neutral","sentiment_score":0.2314123213291168},{"text":"You're right.","start":814.12,"end":814.68,"sentiment":"neutral","sentiment_score":0.3180393576622009},{"text":"You're right.","start":814.68,"end":815.5,"sentiment":"neutral","sentiment_score":0.3192908614873886},{"text":"Yep.","start":817.16,"end":817.63995,"sentiment":"positive","sentiment_score":0.3914853930473328},{"text":"Cool.","start":817.63995,"end":818.13995,"sentiment":"positive","sentiment_score":0.5849966406822205}],"sentiment":"positive","sentiment_score":0.354650684765407,"num_words":7,"start":786.59,"end":818.13995},{"sentences":[{"text":"Yes.","start":832.395,"end":832.895,"sentiment":"neutral","sentiment_score":0.2081620842218399},{"text":"Let me just see.","start":835.45,"end":836.83,"sentiment":"neutral","sentiment_score":0.1740524098277092},{"text":"Let me have a quick look at my roster, and I'll see what I'm doing.","start":838.49,"end":844.11,"sentiment":"neutral","sentiment_score":0.25281304915746056},{"text":"Monday and Tuesday.","start":864.99005,"end":866.03,"sentiment":"neutral","sentiment_score":0.11457996070384979},{"text":"I've got Tuesday and Wednesday off next week.","start":866.03,"end":868.53,"sentiment":"neutral","sentiment_score":0.1747310422360897}],"sentiment":"neutral","sentiment_score":0.20768244131918875,"num_words":31,"start":832.395,"end":868.53},{"sentences":[{"text":"So I'm pretty flexible.","start":870.67004,"end":871.81,"sentiment":"neutral","sentiment_score":0.30454426258802414},{"text":"Yeah.","start":878.225,"end":878.46497,"sentiment":"neutral","sentiment_score":0.1900918334722519},{"text":"That should be okay.","start":878.46497,"end":879.52496,"sentiment":"positive","sentiment_score":0.386596143245697},{"text":"Alright.","start":900.69995,"end":901.19995,"sentiment":"neutral","sentiment_score":0.07241062074899673},{"text":"So that was 1PM on Wednesday, the ninth.","start":901.29504,"end":904.99506,"sentiment":"neutral","sentiment_score":0.05005850829184055}],"sentiment":"neutral","sentiment_score":0.190418452438381,"num_words":18,"start":870.67004,"end":904.99506},{"sentences":[{"text":"Oh, 01:30.","start":907.455,"end":908.41504,"sentiment":"neutral","sentiment_score":0.02724021952599287},{"text":"Sorry.","start":908.41504,"end":908.91504,"sentiment":"neutral","sentiment_score":0.003714394755661488},{"text":"01:30PM on Wednesday, the ninth.","start":911.29504,"end":913.955,"sentiment":"neutral","sentiment_score":0.01626112814992666},{"text":"Not really.","start":924.31995,"end":924.87994,"sentiment":"neutral","sentiment_score":-0.04929932951927185},{"text":"I've I've got a paper diary, an old fashioned diary that I've just written it down in.","start":924.87994,"end":930.725,"sentiment":"neutral","sentiment_score":0.01380304159486995}],"sentiment":"neutral","sentiment_score":0.010205686023389851,"num_words":27,"start":907.455,"end":930.725},{"sentences":[{"text":"Yep.","start":937.985,"end":938.485,"sentiment":"neutral","sentiment_score":0.1049191951751709},{"text":"Yep.","start":939.58496,"end":939.90497,"sentiment":"neutral","sentiment_score":0.19265906512737271},{"text":"Beautiful.","start":939.90497,"end":940.40497,"sentiment":"positive","sentiment_score":0.6120275855064392},{"text":"No.","start":944.74005,"end":945.24005,"sentiment":"neutral","sentiment_score":-0.03956928476691246},{"text":"That's I don't know.","start":945.38,"end":948.02,"sentiment":"neutral","sentiment_score":-0.031151864677667618}],"sentiment":"neutral","sentiment_score":0.09317863779142499,"num_words":8,"start":937.985,"end":948.02},{"sentences":[{"text":"What else do you do?","start":948.02,"end":949.32,"sentiment":"neutral","sentiment_score":0.049231088161468504},{"text":"Yep.","start":972.32,"end":972.80005,"sentiment":"neutral","sentiment_score":0.09055458009243011},{"text":"Yep.","start":972.80005,"end":973.30005,"sentiment":"neutral","sentiment_score":0.08534471690654755},{"text":"Yeah.","start":973.84,"end":974.24005,"sentiment":"neutral","sentiment_score":0.0587199442088604},{"text":"The only reason I had that one was that was just the super that you was used with a previous employer.","start":974.24005,"end":983.57495,"sentiment":"neutral","sentiment_score":-0.20186052506878263}],"sentiment":"neutral","sentiment_score":-0.12959642566997429,"num_words":29,"start":948.02,"end":983.57495},{"sentences":[{"text":"So yeah.","start":986.035,"end":988.035,"sentiment":"neutral","sentiment_score":-0.0737440474331379},{"text":"No.","start":988.035,"end":988.535,"sentiment":"neutral","sentiment_score":-0.25587090849876404},{"text":"We'll get rid of that and tidy things up a bit.","start":988.675,"end":991.01495,"sentiment":"neutral","sentiment_score":-0.12314808504147963},{"text":"Yep.","start":1001.91,"end":1002.31,"sentiment":"neutral","sentiment_score":0.23940736055374143},{"text":"Beautiful.","start":1002.31,"end":1002.81,"sentiment":"positive","sentiment_score":0.787136435508728}],"sentiment":"neutral","sentiment_score":-0.04571525892242789,"num_words":16,"start":986.035,"end":1002.81},{"sentences":[{"text":"Terrific.","start":1007.75,"end":1008.25,"sentiment":"positive","sentiment_score":0.8223572969436646},{"text":"Thank you.","start":1008.31,"end":1008.97,"sentiment":"positive","sentiment_score":0.7837528586387634},{"text":"See you.","start":1009.11,"end":1009.51996,"sentiment":"positive","sentiment_score":0.6518548727035522},{"text":"Bye.","start":1009.51996,"end":1010.01996,"sentiment":"positive","sentiment_score":0.4072130918502808}],"sentiment":"positive","sentiment_score":0.6834643085797628,"num_words":6,"start":1007.75,"end":1010.01996}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Shane. You're through to Tommy here, mate. How are you doing?\n\nChannel 1: Yeah. Good. Yourself?\n\nChannel 0: I'm living the dream. It's a beautiful evening so far, but thank you so much for calling back in.\n\nChannel 1: Yeah. That's alright. I yeah. I was just in the middle of doing something, and I had these plastic gloves on. You know, he was trying to answer my phone, and, yeah, it wasn't responding.\n\nChannel 0: That's fair enough. I won't take too much of your time this evening. I essentially just wanted to give you a couple of updates on our research. Couple of little things I wanted to run by you as well, and then I'm pretty well good to have your plan finalized\n\nChannel 1: Yep.\n\nChannel 0: for next\n\nChannel 1: Yep.\n\nChannel 0: week. Now just as a quick little recap, what we've been doing in the background. So we were talking about updating the portfolio for the server,\n\nChannel 1: Sure.\n\nChannel 0: possibly moving some funds between the accounts. So I've got all the updated portfolio comparisons done. Looks very, very good. We weren't really doing anything estate planning wise. We have been investigating the insurances and researching CareSuper and AustralianSuper just to try and keep those going.\n\nDoes that ring a bell?\n\nChannel 1: Yep.\n\nChannel 0: Now one of the things too that we talked about was income protection for the the train driving occupation. Now\n\nChannel 1: Yep.\n\nChannel 0: there is a couple of providers that we've found that they ensure, like, firefighters, and that's one of the kind of top three, basically, trained drivers, firefighters, and pilots are the top three in that single category that tend to get restricted. So I'm just waiting to hear back from them to see if they will offer income protection, and that should come back through in the next couple of days, probably tomorrow or Monday as well.\n\nChannel 1: Right. Right. Tomorrow,\n\nChannel 0: Now\n\nChannel 1: do\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: other\n\nChannel 1: just got it to be high risk or something today?\n\nChannel 0: yeah. No. It's just one of the things where those three occupations are normally covered through the employer themselves, and they do consider they do actually consider those three to be high risk, but most of them are they tend to be covered through, you know, like, public sector employment bargaining agreements and things like that. So\n\nChannel 1: Yeah.\n\nChannel 0: it's not an area that's pretty common to get cover for.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Same thing with, like, Qantas pilots. Qantas has their own, like, income protection and things like that. There was only ever one insurer that would ever look at those guys.\n\nChannel 1: Yep.\n\nChannel 0: Now the\n\nChannel 1: I'm\n\nChannel 0: other\n\nChannel 1: surprised.\n\nChannel 0: thing too\n\nChannel 1: I was gonna\n\nChannel 0: surprise.\n\nChannel 1: say I'm\n\nChannel 0: Sorry.\n\nChannel 1: surprised because how many Qantas planes crashed? None.\n\nChannel 0: Yeah. How many trains crash? How many Qantas planes crash? I think and correct me if I'm wrong too. Part of the risk analysis that the insurers do is around body function leading to doing the role.\n\nSo, you know, the old tradie there who's using his fingers or the surgeon tends to have a lot of difficulty even if their finger's broken,\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: Okay.\n\nChannel 0: kind of thing.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I'm not sure what what your job will be like with with those things if you had, like, a broken leg or or a hand or something. Would they just basically say you're not allowed to operate or or anything like that?\n\nChannel 1: Yeah. Well, yeah, that that's what would happen because if we have a broken leg, yeah, we can't walk. We do a lot of walking with train drivers because because trains are so big. You know, if we've gotta move it out to the yard, for example,\n\nChannel 0: Yeah.\n\nChannel 1: once we get off the train,\n\nChannel 0: Yeah.\n\nChannel 1: it's a long walk from the yard back to civilization just because the yard is so big because they're gonna hold big trains. So we\n\nChannel 0: Yeah.\n\nChannel 1: need to be\n\nChannel 0: Absolutely.\n\nChannel 1: able to walk. We need to be able to climb in and out of trains if we're on the ground.\n\nChannel 0: Whereas I can go in in a wheelchair, and I can still do a few phone calls. So\n\nChannel 1: Yeah. So, yeah, we couldn't do that. I mean, you can still operate a train from inside the cabin, but it's getting in and out of the cabin that you'd have probably have a a drama with.\n\nChannel 0: yes. Even if you'd be able to do it, the employee would probably just put a put a no on that until you get back from sick leave or something\n\nChannel 1: Yeah.\n\nChannel 0: like\n\nChannel 1: That's what I'll do.\n\nChannel 0: that.\n\nChannel 1: Yep. I would say\n\nChannel 0: Absolutely.\n\nChannel 1: medically empty.\n\nChannel 0: Yeah. Yeah. So I don't look. I don't like the chances too much, but, again, there's a couple that are possible. And what I'll come back to you with is if they are gonna insure it, if they get to offer you what they call, like, a special risk or ADL definitions, they're very, very, very restrictive and and almost not worth the paper they're written on.\n\nThe one\n\nChannel 1: Yep.\n\nChannel 0: that you're aiming for is a similar definition to your TPD cover where it's like, if you can't work any occupation you're reasonably suited to, well, then you made a definition that you can be paid. So a lot less\n\nChannel 1: Right. Right.\n\nChannel 0: restrictive. So, again, I I wanna make sure if I do find something, it's gonna be a value for the price that you'd pay for it.\n\nChannel 1: Yeah. For sure. Yep.\n\nChannel 0: The other thing too, and forgive me for not bringing this up upfront, but we got the research back from CareSuper and AustralianSuper, and we've had a a lapse of your CareSuper insurances. Apparently, when we contacted them, they've been sending out letters or something for a good period of time between October and April, and they've temporarily canceled the insurances that are in CareSoup.\n\nChannel 1: Alright. What address were they sending them to?\n\nChannel 0: Let's have a look. We've got King Street, Wallin, Victoria,\n\nChannel 1: Yeah. That's my current address now.\n\nChannel 0: and\n\nChannel 1: But what address does care have on file?\n\nChannel 0: that's the one that they've got on the statement.\n\nChannel 1: Oh, well, it's definitely where I am now.\n\nChannel 0: I wonder if they had opted for some super funds have switched from from letters to emails. So you might have something sitting there in an inbox somewhere. Not a 100% certain what email you might have linked with them. They don't show it to me.\n\nChannel 1: Yeah. Well, I've had the same email address for twenty years. So\n\nChannel 0: Shouldn't\n\nChannel 1: it\n\nChannel 0: be any different.\n\nChannel 1: but I don't have my current one.\n\nChannel 0: Yep. And you're pretty on top of your emails, I believe. If something\n\nChannel 1: Yeah.\n\nChannel 0: popped up three, four times final final payment notice, you'd probably have noticed that.\n\nChannel 1: Yeah. Definitely noticed that.\n\nChannel 0: Yeah. I do have some solutions, though. I never come into a conversation without a solution. The Australian Super and Care Super have a really good way of dealing with dormant cover where a contribution can reactivate it straight away.\n\nChannel 1: Okay.\n\nChannel 0: So what we would need to do, Care Super requires an employer contribution, whereas Australian Super could do it off of an opt in notice and a small ad hoc contribution. So I wanted to run by you the idea of potentially switching the contributions to go to CareSuper and then opting into AustralianSuper. That's the the safest way to maintain those.\n\nChannel 1: Is it really worthwhile keeping the Care Super?\n\nChannel 0: Well, the portfolio\n\nChannel 1: How much\n\nChannel 0: was a bit rough, to be honest. There's 7,386 in there. Last check.\n\nChannel 1: would it be better to just take that money out and combine it with one of the other accounts and close it.\n\nChannel 0: Well, the main the main portfolio in in the hub is obviously the driver for returns. The main reason for CareSoup is, I guess, the activatable cover I'm seeing here, $3,034,000 of life insurance, 23,000 of TPD, total disability cover. So that's essentially the reason to keep it if you value having those two. If not, there's almost no reason to keep it in those types of investments.\n\nChannel 1: So can I make a claim if I've got cover with another superannuation provider?\n\nChannel 0: Yes. So we've got 30,000 worth of life insurance with AusSuper, 7,000 worth of TPD, and they've also got a little bit of income protection in there for you. $2,800. So I know it's very small, but that can be added on to work cover percentages, accident, injury, and illness. So Australian\n\nChannel 1: So\n\nChannel 0: Superstore\n\nChannel 1: who's\n\nChannel 0: Hat does have a bit of cover.\n\nChannel 1: who's who's got that Australian Super?\n\nChannel 0: Correct.\n\nChannel 1: Okay. And with the amount of money that I'm paying in fees, is it yeah. Does that make it justifiable?\n\nChannel 0: Let me have a look. I'm just gonna grab up the admin fee structure\n\nChannel 1: Because\n\nChannel 0: because\n\nChannel 1: if I'm making no contributions and they're charging a truckload of fees, you know, ten years on, there mightn't be any money left.\n\nChannel 0: Yeah. The premiums let me have a look at the premiums here. So $324 per annum for the life and disability insurance. And\n\nChannel 1: Right?\n\nChannel 0: the main driver when it comes to admin fees for the account is if it's a flat dollar fee, it eats into it quite a lot. If it's a percentage based, then it doesn't really matter what the balance is.\n\nChannel 1: Okay.\n\nChannel 0: So we've got another $67.60 plus 0.15% as well. So they do have a flat fee, a percentage fee, and the insurance premiums. So you're talking about $4,500 worth of fees coming out per year.\n\nChannel 1: Okay. So that'll give me what? Fourteen years?\n\nChannel 0: I have a quick look because they also they also need to maintain it above $6,000, which is the minimum. So we would\n\nChannel 1: Okay.\n\nChannel 0: constantly be topping it up every couple of years.\n\nChannel 1: Okay. Oh, well, do\n\nChannel 0: Fees\n\nChannel 1: you think\n\nChannel 0: would\n\nChannel 1: it's\n\nChannel 0: work out\n\nChannel 1: well,\n\nChannel 0: to\n\nChannel 1: I\n\nChannel 0: be\n\nChannel 1: think I'll you know, I'm happy to keep it then.\n\nChannel 0: realistically, it's gonna be copying about six or 7% of the balance on the fees, and it'll probably be earning around seven or 8% returns. So it's not really gonna actually go anywhere. It'll\n\nChannel 1: Yep.\n\nChannel 0: stay pretty well stagnant just to fund that little bit of insurance cover. If you don't\n\nChannel 1: Right.\n\nChannel 0: value the insurance cover, it's much easier to run two super funds than three and get it growing faster. If you do value the cover, we can just switch where the contributions go.\n\nChannel 1: Yeah. Look. Just just close it. That'll be\n\nChannel 0: Yep.\n\nChannel 1: fine. Yep.\n\nChannel 0: K. I can absolutely do that. That means a little bit less admin paperwork for you too because the contributions are going to all super anyway. So I can move the funds around through rollovers online, update the portfolio. I'll double check the income protection, and then everything should be pretty clean after that.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. You will have obviously another chance. I'll put this together in a plan with the updated projections. If at that point you wanna vary the advice and you're not comfortable proceeding with that, you can just write into the plan how you would like to implement it. And if you do have second thoughts, we can alter what we do as well.\n\nChannel 1: Yep.\n\nChannel 0: That sound okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Alright. That gives me the direction that I need. Do you have any questions for me at this point?\n\nChannel 1: Yeah. When do you like, all my income or the super paid by my employer who's\n\nChannel 0: Yep.\n\nChannel 1: going into Australian Super, when do you, like, transfer a man across from that into hub twenty four?\n\nChannel 0: So the two ways we can do it, when I put together the updated plan that includes all the recommendations and strategies, Once you sign off on that, we can do a rollover. The only\n\nChannel 1: Yep.\n\nChannel 0: other thing that we can do outside of that is if you give us permission to do more regular rollovers outside of that. So normally, when we do a review, we see how much it's built up to be. We'll update your plan. You sign off, then we can move funds around unless you stipulate, hey. Stop asking me every year to do this.\n\nPlease just move x amount unless necessary to discuss.\n\nChannel 1: Okay. So how often would you normally do it? Just one for years at each review?\n\nChannel 0: Once a year would be the sort of middle ground. We do have a couple of clients that we do every six months for. Probably\n\nChannel 1: Right.\n\nChannel 0: not more often than that. Need a bit of time for contributions to build up and make sure you're not copying any exit fees or anything like that.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: It still averages out. So even though it's kind of, let's say, it grows at 8% in Australian super and 10% in in the main fund, and then we roll it across in six, twelve months time, that'll accelerate till then until retirement until the next lot comes in as well. So that kind of six months doesn't make too much of a difference where it would be a concern for me, but we always follow your instructions.\n\nChannel 1: You're right. You're right.\n\nChannel 0: Okay.\n\nChannel 1: Yep. Cool.\n\nChannel 0: Cool. From here, because I've had a couple of openings for next week, I just know I'm booking out at the moment. Would you have a bit of time maybe next Wednesday, Thursday to run through that plan together?\n\nChannel 1: Yes. Let me just see. Let me have a quick look at my roster, and I'll see what I'm doing.\n\nChannel 0: Yeah. That's no worries at all. And if it helps too, just while you're grabbing that up, I do early on a Monday, Friday, and late nights on a Tuesday, Wednesday, Thursday, so if that helps.\n\nChannel 1: Monday and Tuesday. I've got Tuesday and Wednesday off next week. So I'm pretty flexible.\n\nChannel 0: Perfect. Can I give you a call, like, Wednesday after lunchtime around 01:30?\n\nChannel 1: Yeah. That should be okay.\n\nChannel 0: Amazing. What I'll do is I'll get the team to send that little reminder text message out beforehand just in case if we need to move it around a little bit. But I just thought much easier to just finalize these last couple of pieces, get you booked in on Wednesday, and then we can pretty much implement it straight away, and you won't have to wait to the end of the month or anything like that.\n\nChannel 1: Alright. So that was 1PM on Wednesday, the ninth.\n\nChannel 0: 01:30 on the\n\nChannel 1: Oh,\n\nChannel 0: ninth,\n\nChannel 1: 01:30.\n\nChannel 0: if possible.\n\nChannel 1: Sorry. 01:30PM on Wednesday, the ninth.\n\nChannel 0: Yep. Would it be helpful if I invited your email address for a calendar invite? Does that does that help?\n\nChannel 1: Not really. I've I've got a paper diary, an old\n\nChannel 0: Gotcha.\n\nChannel 1: fashioned diary that I've just written it down in.\n\nChannel 0: That's alright. Again, I'll send you the text message beforehand, but, yeah, 01:30 on Wednesday, the ninth, we can run\n\nChannel 1: Yep.\n\nChannel 0: through that plan together.\n\nChannel 1: Yep. Beautiful.\n\nChannel 0: Awesome. Anything else I can do before I let you go there, Shane?\n\nChannel 1: No. That's I don't know. What else do you do?\n\nChannel 0: You make the the decisions you can with the information in front of you and just hope that it kind of fits you personally. And, again, if we need to, we do tend to change it. So if something happens, yes, let's say CareSuper goes. There are other funds that do defaults, and I can always kind of refresh a similar position if we ever need\n\nChannel 1: Yep. Yep. Yeah. The only reason I had that one was that was just the super that you was used with a previous\n\nChannel 0: to.\n\nChannel 1: employer. So yeah. No. We'll get rid of that and tidy things up a bit.\n\nChannel 0: Easy done. Alright. Leave it with me. I'll finish off these couple of calls for the insurance, and and then I'll be speaking to you next Wednesday.\n\nChannel 1: Yep. Beautiful.\n\nChannel 0: Awesome, Jane. Have a fantastic evening and weekend, and I'll talk to you soon.\n\nChannel 1: Terrific. Thank you. See you.\n\nChannel 0: Thank\n\nChannel 1: Bye.\n\nChannel 0: you, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Shane.","start":1.76,"end":2.32,"sentiment":"neutral","sentiment_score":0.1760236993432045},{"text":"You're through to Tommy here, mate.","start":2.32,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.21551897873481116},{"text":"How are you doing?","start":3.6799998,"end":4.5,"sentiment":"neutral","sentiment_score":0.2531699761748314}],"sentiment":"neutral","sentiment_score":0.2214867646495501,"channel":0,"num_words":12,"start":1.76,"end":4.5},{"sentences":[{"text":"Yeah.","start":4.72,"end":5.04,"sentiment":"neutral","sentiment_score":0.31575337052345276},{"text":"Good.","start":5.04,"end":5.3599997,"sentiment":"positive","sentiment_score":0.5948878526687622},{"text":"Yourself?","start":5.3599997,"end":5.8599997,"sentiment":"positive","sentiment_score":0.47393640875816345}],"sentiment":"positive","sentiment_score":0.4615258773167928,"channel":1,"num_words":3,"start":4.72,"end":5.8599997},{"sentences":[{"text":"I'm living the dream.","start":6.3199997,"end":7.2799997,"sentiment":"positive","sentiment_score":0.6829992383718491},{"text":"It's a beautiful evening so far, but thank you so much for calling back in.","start":7.2799997,"end":10.66,"sentiment":"positive","sentiment_score":0.744197952747345}],"sentiment":"positive","sentiment_score":0.7313140128788195,"channel":0,"num_words":19,"start":6.3199997,"end":10.66},{"sentences":[{"text":"Yeah.","start":10.719999,"end":10.96,"sentiment":"neutral","sentiment_score":0.2333671599626541},{"text":"That's alright.","start":10.96,"end":11.679999,"sentiment":"neutral","sentiment_score":0.17707159370183945},{"text":"I yeah.","start":11.679999,"end":12.4,"sentiment":"neutral","sentiment_score":0.07026543840765953},{"text":"I was just in the middle of doing something, and I had these plastic gloves on.","start":12.4,"end":17.744999,"sentiment":"neutral","sentiment_score":-0.055259655229747295},{"text":"You know, he was trying to answer my phone, and, yeah, it wasn't responding.","start":17.744999,"end":22.404999,"sentiment":"neutral","sentiment_score":-0.12174465321004391}],"sentiment":"neutral","sentiment_score":-0.053158240126711984,"channel":1,"num_words":35,"start":10.719999,"end":22.404999},{"sentences":[{"text":"That's fair enough.","start":23.634998,"end":24.615,"sentiment":"neutral","sentiment_score":0.03502584621310234},{"text":"I won't take too much of your time this evening.","start":25.949999,"end":28.369999,"sentiment":"neutral","sentiment_score":-0.019565438106656074},{"text":"I essentially just wanted to give you a couple of updates on our research.","start":28.429998,"end":32.449997,"sentiment":"neutral","sentiment_score":0.2405682493533407},{"text":"Couple of little things I wanted to run by you as well, and then I'm pretty well good to have your plan finalized","start":33.79,"end":40.449997,"sentiment":"positive","sentiment_score":0.4372050192045129}],"sentiment":"neutral","sentiment_score":0.26666188180446626,"channel":0,"num_words":50,"start":23.634998,"end":40.449997},{"sentences":[{"text":"Yep.","start":40.34,"end":40.84,"sentiment":"positive","sentiment_score":0.39031848311424255}],"sentiment":"positive","sentiment_score":0.39031848311424255,"channel":1,"num_words":1,"start":40.34,"end":40.84},{"sentences":[{"text":"for next","start":40.51,"end":40.905,"sentiment":"neutral","sentiment_score":0.2941305786371231}],"sentiment":"neutral","sentiment_score":0.2941305786371231,"channel":0,"num_words":2,"start":40.51,"end":40.905},{"sentences":[{"text":"Yep.","start":41.940002,"end":42.440002,"sentiment":"neutral","sentiment_score":0.2053627222776413}],"sentiment":"neutral","sentiment_score":0.2053627222776413,"channel":1,"num_words":1,"start":41.940002,"end":42.440002},{"sentences":[{"text":"week.","start":43.065,"end":43.225,"sentiment":"neutral","sentiment_score":0.188641756772995},{"text":"Now just as a quick little recap, what we've been doing in the background.","start":43.225,"end":47.785,"sentiment":"neutral","sentiment_score":0.06290346038128648},{"text":"So we were talking about updating the portfolio for the server,","start":47.785,"end":52.524998,"sentiment":"neutral","sentiment_score":0.0630069649354978}],"sentiment":"neutral","sentiment_score":0.06778333909236468,"channel":0,"num_words":26,"start":43.065,"end":52.524998},{"sentences":[{"text":"Sure.","start":53.045,"end":53.545,"sentiment":"neutral","sentiment_score":0.07431098818778992}],"sentiment":"neutral","sentiment_score":0.07431098818778992,"channel":1,"num_words":1,"start":53.045,"end":53.545},{"sentences":[{"text":"possibly moving some funds between the accounts.","start":53.464996,"end":55.864998,"sentiment":"neutral","sentiment_score":0.09236270934343338},{"text":"So I've got all the updated portfolio comparisons done.","start":55.864998,"end":59.620003,"sentiment":"neutral","sentiment_score":0.16609796384970346},{"text":"Looks very, very good.","start":59.68,"end":60.9,"sentiment":"positive","sentiment_score":0.4976687803864479},{"text":"We weren't really doing anything estate planning wise.","start":62.32,"end":64.9,"sentiment":"neutral","sentiment_score":-0.11682155262678862},{"text":"We have been investigating the insurances and researching CareSuper and AustralianSuper just to try and keep those going.","start":65.520004,"end":72.275,"sentiment":"neutral","sentiment_score":-0.008200738165113661}],"sentiment":"neutral","sentiment_score":0.06630239246980003,"channel":0,"num_words":46,"start":53.464996,"end":72.275},{"sentences":[{"text":"Does that ring a bell?","start":72.275,"end":73.335,"sentiment":"neutral","sentiment_score":0.0018626991659402843}],"sentiment":"neutral","sentiment_score":0.0018626991659402843,"channel":0,"num_words":5,"start":72.275,"end":73.335},{"sentences":[{"text":"Yep.","start":73.685,"end":74.185,"sentiment":"neutral","sentiment_score":0.03396448493003845}],"sentiment":"neutral","sentiment_score":0.03396448493003845,"channel":1,"num_words":1,"start":73.685,"end":74.185},{"sentences":[{"text":"Now one of the things too that we talked about was income protection for the the train driving occupation.","start":74.835,"end":81.335,"sentiment":"neutral","sentiment_score":0.01589015694825273},{"text":"Now","start":82.035,"end":82.535,"sentiment":"neutral","sentiment_score":0.03377678245306015}],"sentiment":"neutral","sentiment_score":0.0167844882234931,"channel":0,"num_words":20,"start":74.835,"end":82.535},{"sentences":[{"text":"Yep.","start":82.085,"end":82.5,"sentiment":"neutral","sentiment_score":0.05672656744718552}],"sentiment":"neutral","sentiment_score":0.05672656744718552,"channel":1,"num_words":1,"start":82.085,"end":82.5},{"sentences":[{"text":"there is a couple of providers that we've found that they ensure, like, firefighters, and that's one of the kind of top three, basically, trained drivers, firefighters, and pilots are the top three in that single category that tend to get restricted.","start":83.155,"end":99.41,"sentiment":"neutral","sentiment_score":0.04262527765794879},{"text":"So I'm just waiting to hear back from them to see if they will offer income protection, and that should come back through in the next couple of days, probably tomorrow or Monday as well.","start":99.965,"end":110.545,"sentiment":"neutral","sentiment_score":0.09480240132127489}],"sentiment":"neutral","sentiment_score":0.06634215205036975,"channel":0,"num_words":77,"start":83.155,"end":110.545},{"sentences":[{"text":"Right.","start":111.78,"end":112.28,"sentiment":"neutral","sentiment_score":0.008905177935957909},{"text":"Right.","start":112.340004,"end":112.840004,"sentiment":"neutral","sentiment_score":-0.009955383837223051},{"text":"Tomorrow,","start":113.46,"end":113.94,"sentiment":"neutral","sentiment_score":-0.028699029237031937}],"sentiment":"neutral","sentiment_score":-0.009916411712765694,"channel":1,"num_words":3,"start":111.78,"end":113.94},{"sentences":[{"text":"Now","start":113.645,"end":113.965,"sentiment":"neutral","sentiment_score":-0.07028859853744507}],"sentiment":"neutral","sentiment_score":-0.07028859853744507,"channel":0,"num_words":1,"start":113.645,"end":113.965},{"sentences":[{"text":"do","start":113.94,"end":114.020004,"sentiment":"neutral","sentiment_score":-0.09509630501270294}],"sentiment":"neutral","sentiment_score":-0.09509630501270294,"channel":1,"num_words":1,"start":113.94,"end":114.020004},{"sentences":[{"text":"the","start":113.965,"end":114.125,"sentiment":"neutral","sentiment_score":-0.11323818564414978}],"sentiment":"neutral","sentiment_score":-0.11323818564414978,"channel":0,"num_words":1,"start":113.965,"end":114.125},{"sentences":[{"text":"I","start":114.020004,"end":114.1,"sentiment":"neutral","sentiment_score":-0.11947200447320938}],"sentiment":"neutral","sentiment_score":-0.11947200447320938,"channel":1,"num_words":1,"start":114.020004,"end":114.1},{"sentences":[{"text":"other","start":114.125,"end":114.45,"sentiment":"neutral","sentiment_score":-0.14429166913032532}],"sentiment":"neutral","sentiment_score":-0.14429166913032532,"channel":0,"num_words":1,"start":114.125,"end":114.45},{"sentences":[{"text":"just got it to be high risk or something today?","start":114.340004,"end":116.840004,"sentiment":"neutral","sentiment_score":-0.18669654577970504}],"sentiment":"neutral","sentiment_score":-0.18669654577970504,"channel":1,"num_words":10,"start":114.340004,"end":116.840004},{"sentences":[{"text":"yeah.","start":117.649994,"end":118.049995,"sentiment":"neutral","sentiment_score":-0.051804669201374054},{"text":"No.","start":118.049995,"end":118.28999,"sentiment":"neutral","sentiment_score":-0.0714268833398819},{"text":"It's just one of the things where those three occupations are normally covered through the employer themselves, and they do consider they do actually consider those three to be high risk, but most of them are they tend to be covered through, you know, like, public sector employment bargaining agreements and things like that.","start":118.28999,"end":137.215,"sentiment":"neutral","sentiment_score":-0.18579491255459962},{"text":"So","start":137.215,"end":137.455,"sentiment":"neutral","sentiment_score":-0.07434242963790894}],"sentiment":"neutral","sentiment_score":-0.17948244316013237,"channel":0,"num_words":57,"start":117.649994,"end":137.455},{"sentences":[{"text":"Yeah.","start":137.425,"end":137.925,"sentiment":"neutral","sentiment_score":-0.0831993967294693}],"sentiment":"neutral","sentiment_score":-0.0831993967294693,"channel":1,"num_words":1,"start":137.425,"end":137.925},{"sentences":[{"text":"it's not an area that's pretty common to get cover for.","start":137.455,"end":140.515,"sentiment":"neutral","sentiment_score":-0.1773216643116691}],"sentiment":"neutral","sentiment_score":-0.1773216643116691,"channel":0,"num_words":11,"start":137.455,"end":140.515},{"sentences":[{"text":"Yep.","start":141.08,"end":141.32,"sentiment":"neutral","sentiment_score":0.04609083384275437},{"text":"Yep.","start":141.32,"end":141.82,"sentiment":"neutral","sentiment_score":0.048568837344646454}],"sentiment":"neutral","sentiment_score":0.04732983559370041,"channel":1,"num_words":2,"start":141.08,"end":141.82},{"sentences":[{"text":"Same thing with, like, Qantas pilots.","start":142.17499,"end":143.875,"sentiment":"neutral","sentiment_score":0.013997131337722143},{"text":"Qantas has their own, like, income protection and things like that.","start":144.0,"end":147.06,"sentiment":"neutral","sentiment_score":-0.056769691069017754},{"text":"There was only ever one insurer that would ever look at those guys.","start":147.76,"end":150.82,"sentiment":"neutral","sentiment_score":-0.08551348172701322}],"sentiment":"neutral","sentiment_score":-0.055071969206134476,"channel":0,"num_words":30,"start":142.17499,"end":150.82},{"sentences":[{"text":"Yep.","start":151.24,"end":151.74,"sentiment":"neutral","sentiment_score":0.0012882165610790253}],"sentiment":"neutral","sentiment_score":0.0012882165610790253,"channel":1,"num_words":1,"start":151.24,"end":151.74},{"sentences":[{"text":"Now the","start":152.56,"end":153.04,"sentiment":"neutral","sentiment_score":-0.05104020796716213}],"sentiment":"neutral","sentiment_score":-0.05104020796716213,"channel":0,"num_words":2,"start":152.56,"end":153.04},{"sentences":[{"text":"I'm","start":152.925,"end":153.08499,"sentiment":"neutral","sentiment_score":-0.09907060861587524}],"sentiment":"neutral","sentiment_score":-0.09907060861587524,"channel":1,"num_words":1,"start":152.925,"end":153.08499},{"sentences":[{"text":"other","start":153.04,"end":153.28,"sentiment":"neutral","sentiment_score":-0.1310407817363739}],"sentiment":"neutral","sentiment_score":-0.1310407817363739,"channel":0,"num_words":1,"start":153.04,"end":153.28},{"sentences":[{"text":"surprised.","start":153.08499,"end":153.58499,"sentiment":"neutral","sentiment_score":-0.13332833349704742}],"sentiment":"neutral","sentiment_score":-0.13332833349704742,"channel":1,"num_words":1,"start":153.08499,"end":153.58499},{"sentences":[{"text":"thing too","start":153.28,"end":153.68,"sentiment":"neutral","sentiment_score":-0.123875942081213}],"sentiment":"neutral","sentiment_score":-0.123875942081213,"channel":0,"num_words":2,"start":153.28,"end":153.68},{"sentences":[{"text":"I was gonna","start":154.36499,"end":155.005,"sentiment":"neutral","sentiment_score":-0.2069796919822693}],"sentiment":"neutral","sentiment_score":-0.2069796919822693,"channel":1,"num_words":3,"start":154.36499,"end":155.005},{"sentences":[{"text":"surprise.","start":154.8,"end":155.2,"sentiment":"neutral","sentiment_score":-0.15709424018859863}],"sentiment":"neutral","sentiment_score":-0.15709424018859863,"channel":0,"num_words":1,"start":154.8,"end":155.2},{"sentences":[{"text":"say I'm","start":155.005,"end":155.405,"sentiment":"neutral","sentiment_score":-0.11539669707417488}],"sentiment":"neutral","sentiment_score":-0.11539669707417488,"channel":1,"num_words":2,"start":155.005,"end":155.405},{"sentences":[{"text":"Sorry.","start":155.2,"end":155.7,"sentiment":"neutral","sentiment_score":-0.15909425914287567}],"sentiment":"neutral","sentiment_score":-0.15909425914287567,"channel":0,"num_words":1,"start":155.2,"end":155.7},{"sentences":[{"text":"surprised because how many Qantas planes crashed?","start":155.405,"end":159.185,"sentiment":"neutral","sentiment_score":-0.1650516071489879},{"text":"None.","start":160.925,"end":161.425,"sentiment":"neutral","sentiment_score":-0.11278463900089264}],"sentiment":"neutral","sentiment_score":-0.158518236130476,"channel":1,"num_words":8,"start":155.405,"end":161.425},{"sentences":[{"text":"Yeah.","start":161.135,"end":161.635,"sentiment":"neutral","sentiment_score":-0.08910146355628967},{"text":"How many trains crash?","start":163.055,"end":164.575,"sentiment":"neutral","sentiment_score":-0.15656235069036484},{"text":"How many Qantas planes crash?","start":164.575,"end":166.355,"sentiment":"neutral","sentiment_score":-0.1704216793179512},{"text":"I think and correct me if I'm wrong too.","start":166.495,"end":168.83499,"sentiment":"neutral","sentiment_score":-0.2551799764235814},{"text":"Part of the risk analysis that the insurers do is around body function leading to doing the role.","start":169.0,"end":176.62,"sentiment":"neutral","sentiment_score":-0.18675768375396729}],"sentiment":"neutral","sentiment_score":-0.19528965833219322,"channel":0,"num_words":37,"start":161.135,"end":176.62},{"sentences":[{"text":"So, you know, the old tradie there who's using his fingers or the surgeon tends to have a lot of difficulty even if their finger's broken,","start":176.76,"end":184.46501,"sentiment":"negative","sentiment_score":-0.3374519617511676}],"sentiment":"negative","sentiment_score":-0.3374519617511676,"channel":0,"num_words":26,"start":176.76,"end":184.46501},{"sentences":[{"text":"No.","start":185.035,"end":185.275,"sentiment":"neutral","sentiment_score":-0.23455527424812317}],"sentiment":"neutral","sentiment_score":-0.23455527424812317,"channel":1,"num_words":1,"start":185.035,"end":185.275},{"sentences":[{"text":"that","start":185.16501,"end":185.405,"sentiment":"neutral","sentiment_score":-0.2041921466588974}],"sentiment":"neutral","sentiment_score":-0.2041921466588974,"channel":0,"num_words":1,"start":185.16501,"end":185.405},{"sentences":[{"text":"Okay.","start":185.275,"end":185.775,"sentiment":"neutral","sentiment_score":-0.1948745548725128}],"sentiment":"neutral","sentiment_score":-0.1948745548725128,"channel":1,"num_words":1,"start":185.275,"end":185.775},{"sentences":[{"text":"kind of thing.","start":185.405,"end":186.225,"sentiment":"neutral","sentiment_score":-0.18397354086240134}],"sentiment":"neutral","sentiment_score":-0.18397354086240134,"channel":0,"num_words":3,"start":185.405,"end":186.225},{"sentences":[{"text":"Yep.","start":185.915,"end":186.315,"sentiment":"neutral","sentiment_score":-0.03720702975988388},{"text":"Yep.","start":186.315,"end":186.815,"sentiment":"neutral","sentiment_score":-0.04931696876883507}],"sentiment":"neutral","sentiment_score":-0.043261999264359474,"channel":1,"num_words":2,"start":185.915,"end":186.815},{"sentences":[{"text":"I'm not sure what what your job will be like with with those things if you had, like, a broken leg or or a hand or something.","start":186.365,"end":191.96501,"sentiment":"neutral","sentiment_score":-0.2827536116043727},{"text":"Would they just basically say you're not allowed to operate or or anything like that?","start":191.96501,"end":195.78,"sentiment":"neutral","sentiment_score":-0.25719605982303617}],"sentiment":"neutral","sentiment_score":-0.27362591453960966,"channel":0,"num_words":42,"start":186.365,"end":195.78},{"sentences":[{"text":"Yeah.","start":196.54001,"end":196.94,"sentiment":"neutral","sentiment_score":-0.09587762504816057},{"text":"Well, yeah, that that's what would happen because if we have a broken leg, yeah, we can't walk.","start":196.94,"end":206.405,"sentiment":"neutral","sentiment_score":-0.15037433223591912},{"text":"We do a lot of walking with train drivers because because trains are so big.","start":206.405,"end":211.865,"sentiment":"neutral","sentiment_score":-0.12016019821166993},{"text":"You know, if we've gotta move it out to the yard, for example,","start":214.645,"end":217.785,"sentiment":"neutral","sentiment_score":-0.06054494042809193}],"sentiment":"neutral","sentiment_score":-0.11472559157521167,"channel":1,"num_words":47,"start":196.54001,"end":217.785},{"sentences":[{"text":"Yeah.","start":218.435,"end":218.935,"sentiment":"neutral","sentiment_score":-0.020352816209197044}],"sentiment":"neutral","sentiment_score":-0.020352816209197044,"channel":0,"num_words":1,"start":218.435,"end":218.935},{"sentences":[{"text":"once we get off the train,","start":218.6,"end":220.14,"sentiment":"neutral","sentiment_score":-0.03566287333766619}],"sentiment":"neutral","sentiment_score":-0.03566287333766619,"channel":1,"num_words":6,"start":218.6,"end":220.14},{"sentences":[{"text":"Yeah.","start":219.81,"end":220.31,"sentiment":"neutral","sentiment_score":-0.03114928118884563}],"sentiment":"neutral","sentiment_score":-0.03114928118884563,"channel":0,"num_words":1,"start":219.81,"end":220.31},{"sentences":[{"text":"it's a long walk from the yard back to civilization just because the yard is so big because they're gonna hold big trains.","start":220.6,"end":231.58,"sentiment":"neutral","sentiment_score":-0.10627726271100667},{"text":"So we","start":232.685,"end":233.165,"sentiment":"neutral","sentiment_score":-0.04741279035806656}],"sentiment":"neutral","sentiment_score":-0.10156810492277145,"channel":1,"num_words":25,"start":220.6,"end":233.165},{"sentences":[{"text":"Yeah.","start":233.09,"end":233.48999,"sentiment":"neutral","sentiment_score":-0.03580779582262039}],"sentiment":"neutral","sentiment_score":-0.03580779582262039,"channel":0,"num_words":1,"start":233.09,"end":233.48999},{"sentences":[{"text":"need to be","start":233.165,"end":233.645,"sentiment":"neutral","sentiment_score":-0.09221162150303523}],"sentiment":"neutral","sentiment_score":-0.09221162150303523,"channel":1,"num_words":3,"start":233.165,"end":233.645},{"sentences":[{"text":"Absolutely.","start":233.48999,"end":233.98999,"sentiment":"neutral","sentiment_score":-0.031666968017816544}],"sentiment":"neutral","sentiment_score":-0.031666968017816544,"channel":0,"num_words":1,"start":233.48999,"end":233.98999},{"sentences":[{"text":"able to walk.","start":233.645,"end":234.125,"sentiment":"neutral","sentiment_score":-0.02977679545680682},{"text":"We need to be able to climb in and out of trains if we're on the ground.","start":234.125,"end":237.905,"sentiment":"neutral","sentiment_score":0.14130541068666122}],"sentiment":"neutral","sentiment_score":0.11564307976514102,"channel":1,"num_words":20,"start":233.645,"end":237.905},{"sentences":[{"text":"Whereas I can go in in a wheelchair, and I can still do a few phone calls.","start":241.305,"end":244.58499,"sentiment":"neutral","sentiment_score":0.1449086359318565},{"text":"So","start":244.58499,"end":245.08499,"sentiment":"neutral","sentiment_score":0.005934670567512512}],"sentiment":"neutral","sentiment_score":0.13718786007828182,"channel":0,"num_words":18,"start":241.305,"end":245.08499},{"sentences":[{"text":"Yeah.","start":245.73001,"end":246.05,"sentiment":"neutral","sentiment_score":0.008147168904542923},{"text":"So, yeah, we couldn't do that.","start":246.05,"end":247.33,"sentiment":"neutral","sentiment_score":-0.2078085175404946},{"text":"I mean, you can still operate a train from inside the cabin, but it's getting in and out of the cabin that you'd have probably have a a drama with.","start":247.33,"end":255.43001,"sentiment":"neutral","sentiment_score":-0.1785909730941057}],"sentiment":"neutral","sentiment_score":-0.17828197646382693,"channel":1,"num_words":37,"start":245.73001,"end":255.43001},{"sentences":[{"text":"yes.","start":255.48,"end":255.87999,"sentiment":"neutral","sentiment_score":-0.02613838016986847},{"text":"Even if you'd be able to do it, the employee would probably just put a put a no on that until you get back from sick leave or something","start":255.87999,"end":262.625,"sentiment":"neutral","sentiment_score":-0.21991382950338825}],"sentiment":"neutral","sentiment_score":-0.21345464785893759,"channel":0,"num_words":30,"start":255.48,"end":262.625},{"sentences":[{"text":"Yeah.","start":263.08502,"end":263.325,"sentiment":"neutral","sentiment_score":0.005966560915112495}],"sentiment":"neutral","sentiment_score":0.005966560915112495,"channel":1,"num_words":1,"start":263.08502,"end":263.325},{"sentences":[{"text":"like","start":263.265,"end":263.765,"sentiment":"neutral","sentiment_score":0.008794795721769333}],"sentiment":"neutral","sentiment_score":0.008794795721769333,"channel":0,"num_words":1,"start":263.265,"end":263.765},{"sentences":[{"text":"That's what I'll do.","start":263.325,"end":264.445,"sentiment":"neutral","sentiment_score":0.0649268887937069}],"sentiment":"neutral","sentiment_score":0.0649268887937069,"channel":1,"num_words":4,"start":263.325,"end":264.445},{"sentences":[{"text":"that.","start":264.40503,"end":264.90503,"sentiment":"neutral","sentiment_score":0.044016458094120026}],"sentiment":"neutral","sentiment_score":0.044016458094120026,"channel":0,"num_words":1,"start":264.40503,"end":264.90503},{"sentences":[{"text":"Yep.","start":264.445,"end":264.945,"sentiment":"neutral","sentiment_score":0.06792627274990082},{"text":"I would say","start":265.005,"end":265.64502,"sentiment":"neutral","sentiment_score":0.036351765195528664}],"sentiment":"neutral","sentiment_score":0.044245392084121704,"channel":1,"num_words":4,"start":264.445,"end":265.64502},{"sentences":[{"text":"Absolutely.","start":265.545,"end":266.045,"sentiment":"neutral","sentiment_score":0.06407932937145233}],"sentiment":"neutral","sentiment_score":0.06407932937145233,"channel":0,"num_words":1,"start":265.545,"end":266.045},{"sentences":[{"text":"medically empty.","start":265.64502,"end":266.545,"sentiment":"neutral","sentiment_score":-0.005554459989070892}],"sentiment":"neutral","sentiment_score":-0.005554459989070892,"channel":1,"num_words":2,"start":265.64502,"end":266.545},{"sentences":[{"text":"Yeah.","start":267.545,"end":268.025,"sentiment":"neutral","sentiment_score":0.005415953695774078},{"text":"Yeah.","start":268.025,"end":268.525,"sentiment":"neutral","sentiment_score":-0.046314239501953125},{"text":"So I don't look.","start":268.745,"end":271.065,"sentiment":"neutral","sentiment_score":-0.19121967069804668},{"text":"I don't like the chances too much, but, again, there's a couple that are possible.","start":271.065,"end":274.9,"sentiment":"neutral","sentiment_score":-0.2440514435370763},{"text":"And what I'll come back to you with is if they are gonna insure it, if they get to offer you what they call, like, a special risk or ADL definitions, they're very, very, very restrictive and and almost not worth the paper they're written on.","start":275.28,"end":289.065,"sentiment":"neutral","sentiment_score":-0.3313276802554079}],"sentiment":"neutral","sentiment_score":-0.29414361064781,"channel":0,"num_words":67,"start":267.545,"end":289.065},{"sentences":[{"text":"The one","start":290.105,"end":290.505,"sentiment":"neutral","sentiment_score":-0.08113666251301765}],"sentiment":"neutral","sentiment_score":-0.08113666251301765,"channel":0,"num_words":2,"start":290.105,"end":290.505},{"sentences":[{"text":"Yep.","start":290.285,"end":290.785,"sentiment":"neutral","sentiment_score":-0.013544155284762384}],"sentiment":"neutral","sentiment_score":-0.013544155284762384,"channel":1,"num_words":1,"start":290.285,"end":290.785},{"sentences":[{"text":"that you're aiming for is a similar definition to your TPD cover where it's like, if you can't work any occupation you're reasonably suited to, well, then you made a definition that you can be paid.","start":290.505,"end":301.065,"sentiment":"neutral","sentiment_score":-0.06502091401812828},{"text":"So a lot less","start":301.065,"end":302.04,"sentiment":"neutral","sentiment_score":0.0065766675397753716}],"sentiment":"neutral","sentiment_score":-0.05786115586233791,"channel":0,"num_words":40,"start":290.505,"end":302.04},{"sentences":[{"text":"Right.","start":303.37997,"end":303.69998,"sentiment":"neutral","sentiment_score":-0.048369064927101135},{"text":"Right.","start":303.69998,"end":304.19998,"sentiment":"neutral","sentiment_score":-0.06262501329183578}],"sentiment":"neutral","sentiment_score":-0.05549703910946846,"channel":1,"num_words":2,"start":303.37997,"end":304.19998},{"sentences":[{"text":"restrictive.","start":304.36002,"end":304.76,"sentiment":"neutral","sentiment_score":-0.10421445965766908},{"text":"So, again, I I wanna make sure if I do find something, it's gonna be a value for the price that you'd pay for it.","start":304.76,"end":310.46002,"sentiment":"neutral","sentiment_score":0.3055634844303131}],"sentiment":"neutral","sentiment_score":0.28980279427308303,"channel":0,"num_words":26,"start":304.36002,"end":310.46002},{"sentences":[{"text":"Yeah.","start":310.81998,"end":311.21997,"sentiment":"neutral","sentiment_score":0.209682434797287},{"text":"For sure.","start":311.21997,"end":311.78,"sentiment":"neutral","sentiment_score":0.16414490342140198},{"text":"Yep.","start":311.78,"end":312.28,"sentiment":"neutral","sentiment_score":0.13295191526412964}],"sentiment":"neutral","sentiment_score":0.16773103922605515,"channel":1,"num_words":4,"start":310.81998,"end":312.28},{"sentences":[{"text":"The other thing too, and forgive me for not bringing this up upfront, but we got the research back from CareSuper and AustralianSuper, and we've had a a lapse of your CareSuper insurances.","start":312.76,"end":324.235,"sentiment":"neutral","sentiment_score":-0.13141023898215004},{"text":"Apparently, when we contacted them, they've been sending out letters or something for a good period of time between October and April, and they've temporarily canceled the insurances that are in CareSoup.","start":325.175,"end":337.25,"sentiment":"negative","sentiment_score":-0.3577512353658676}],"sentiment":"neutral","sentiment_score":-0.24283965258644177,"channel":0,"num_words":65,"start":312.76,"end":337.25},{"sentences":[{"text":"Alright.","start":338.37003,"end":338.77002,"sentiment":"neutral","sentiment_score":-0.014413426630198956},{"text":"What address were they sending them to?","start":338.77002,"end":340.71002,"sentiment":"neutral","sentiment_score":-0.01947425671720079}],"sentiment":"neutral","sentiment_score":-0.01884165295632556,"channel":1,"num_words":8,"start":338.37003,"end":340.71002},{"sentences":[{"text":"Let's have a look.","start":341.39,"end":342.11002,"sentiment":"neutral","sentiment_score":0.00585356595547637},{"text":"We've got King Street, Wallin, Victoria,","start":342.11002,"end":346.375,"sentiment":"neutral","sentiment_score":0.007941591320559382}],"sentiment":"neutral","sentiment_score":0.0071063811745261775,"channel":0,"num_words":10,"start":341.39,"end":346.375},{"sentences":[{"text":"Yeah.","start":347.13498,"end":347.455,"sentiment":"neutral","sentiment_score":0.012554416432976724},{"text":"That's my current address now.","start":347.455,"end":349.715,"sentiment":"neutral","sentiment_score":0.0019523974508047104}],"sentiment":"neutral","sentiment_score":0.0037194006145000458,"channel":1,"num_words":6,"start":347.13498,"end":349.715},{"sentences":[{"text":"and","start":349.515,"end":350.015,"sentiment":"neutral","sentiment_score":0.002759026363492012}],"sentiment":"neutral","sentiment_score":0.002759026363492012,"channel":0,"num_words":1,"start":349.515,"end":350.015},{"sentences":[{"text":"But what address does care have on file?","start":350.175,"end":352.755,"sentiment":"neutral","sentiment_score":-0.005281145568005741}],"sentiment":"neutral","sentiment_score":-0.005281145568005741,"channel":1,"num_words":8,"start":350.175,"end":352.755},{"sentences":[{"text":"that's the one that they've got on the statement.","start":353.155,"end":354.935,"sentiment":"neutral","sentiment_score":-0.010357248596847057}],"sentiment":"neutral","sentiment_score":-0.010357248596847057,"channel":0,"num_words":9,"start":353.155,"end":354.935},{"sentences":[{"text":"Oh, well, it's definitely where I am now.","start":357.15,"end":359.25,"sentiment":"neutral","sentiment_score":0.08525741705670953}],"sentiment":"neutral","sentiment_score":0.08525741705670953,"channel":1,"num_words":8,"start":357.15,"end":359.25},{"sentences":[{"text":"I wonder if they had opted for some super funds have switched from from letters to emails.","start":360.42,"end":365.96,"sentiment":"neutral","sentiment_score":-0.07149019946946818},{"text":"So you might have something sitting there in an inbox somewhere.","start":366.34,"end":369.56,"sentiment":"neutral","sentiment_score":-0.13715588572350415},{"text":"Not a 100% certain what email you might have linked with them.","start":369.78,"end":372.82,"sentiment":"neutral","sentiment_score":-0.1494665207962195},{"text":"They don't show it to me.","start":372.82,"end":374.165,"sentiment":"neutral","sentiment_score":-0.1965636486808459}],"sentiment":"neutral","sentiment_score":-0.12384844077346117,"channel":0,"num_words":46,"start":360.42,"end":374.165},{"sentences":[{"text":"Yeah.","start":374.685,"end":375.005,"sentiment":"neutral","sentiment_score":-0.031763892620801926},{"text":"Well, I've had the same email address for twenty years.","start":375.005,"end":377.88498,"sentiment":"neutral","sentiment_score":-0.04555087052285671},{"text":"So","start":377.88498,"end":378.38498,"sentiment":"neutral","sentiment_score":-0.06350960582494736}],"sentiment":"neutral","sentiment_score":-0.0458985169728597,"channel":1,"num_words":12,"start":374.685,"end":378.38498},{"sentences":[{"text":"Shouldn't","start":378.705,"end":379.105,"sentiment":"neutral","sentiment_score":-0.05605752393603325}],"sentiment":"neutral","sentiment_score":-0.05605752393603325,"channel":0,"num_words":1,"start":378.705,"end":379.105},{"sentences":[{"text":"it","start":379.05002,"end":379.45,"sentiment":"neutral","sentiment_score":-0.07918781787157059}],"sentiment":"neutral","sentiment_score":-0.07918781787157059,"channel":1,"num_words":1,"start":379.05002,"end":379.45},{"sentences":[{"text":"be any different.","start":379.105,"end":379.925,"sentiment":"neutral","sentiment_score":-0.08138025552034378}],"sentiment":"neutral","sentiment_score":-0.08138025552034378,"channel":0,"num_words":3,"start":379.105,"end":379.925},{"sentences":[{"text":"but I don't have my current one.","start":379.53,"end":382.27002,"sentiment":"neutral","sentiment_score":-0.11197212551321302}],"sentiment":"neutral","sentiment_score":-0.11197212551321302,"channel":1,"num_words":7,"start":379.53,"end":382.27002},{"sentences":[{"text":"Yep.","start":382.385,"end":382.625,"sentiment":"neutral","sentiment_score":0.04273879528045654},{"text":"And you're pretty on top of your emails, I believe.","start":382.625,"end":384.725,"sentiment":"neutral","sentiment_score":0.0804562870413065},{"text":"If something","start":385.105,"end":385.585,"sentiment":"neutral","sentiment_score":0.004890721291303635}],"sentiment":"neutral","sentiment_score":0.06592946986739452,"channel":0,"num_words":13,"start":382.385,"end":385.585},{"sentences":[{"text":"Yeah.","start":385.53,"end":386.03,"sentiment":"neutral","sentiment_score":0.003185128793120384}],"sentiment":"neutral","sentiment_score":0.003185128793120384,"channel":1,"num_words":1,"start":385.53,"end":386.03},{"sentences":[{"text":"popped up three, four times final final payment notice, you'd probably have noticed that.","start":385.585,"end":390.18,"sentiment":"neutral","sentiment_score":-0.05373140291443893}],"sentiment":"neutral","sentiment_score":-0.05373140291443893,"channel":0,"num_words":14,"start":385.585,"end":390.18},{"sentences":[{"text":"Yeah.","start":389.69,"end":390.17,"sentiment":"neutral","sentiment_score":0.004388468340039253},{"text":"Definitely noticed that.","start":390.17,"end":391.79,"sentiment":"neutral","sentiment_score":0.015154113372166952}],"sentiment":"neutral","sentiment_score":0.012462702114135027,"channel":1,"num_words":4,"start":389.69,"end":391.79},{"sentences":[{"text":"Yeah.","start":392.48,"end":392.98,"sentiment":"neutral","sentiment_score":0.10843177139759064},{"text":"I do have some solutions, though.","start":393.36002,"end":395.46,"sentiment":"neutral","sentiment_score":0.15636814137299856},{"text":"I never come into a conversation without a solution.","start":395.52002,"end":398.02002,"sentiment":"neutral","sentiment_score":0.05163803117142783},{"text":"The Australian Super and Care Super have a really good way of dealing with dormant cover where a contribution can reactivate it straight away.","start":399.92,"end":407.515,"sentiment":"neutral","sentiment_score":0.24843268003314734}],"sentiment":"neutral","sentiment_score":0.1868441805243492,"channel":0,"num_words":40,"start":392.48,"end":407.515},{"sentences":[{"text":"Okay.","start":408.66,"end":409.16,"sentiment":"neutral","sentiment_score":0.11802223324775696}],"sentiment":"neutral","sentiment_score":0.11802223324775696,"channel":1,"num_words":1,"start":408.66,"end":409.16},{"sentences":[{"text":"So what we would need to do, Care Super requires an employer contribution, whereas Australian Super could do it off of an opt in notice and a small ad hoc contribution.","start":409.815,"end":421.54,"sentiment":"neutral","sentiment_score":0.07729246058771687},{"text":"So I wanted to run by you the idea of potentially switching the contributions to go to CareSuper and then opting into AustralianSuper.","start":422.08002,"end":430.1,"sentiment":"neutral","sentiment_score":0.26194647343262384},{"text":"That's the the safest way to maintain those.","start":430.4,"end":433.575,"sentiment":"neutral","sentiment_score":0.2331387847661972}],"sentiment":"neutral","sentiment_score":0.16590234589192174,"channel":0,"num_words":62,"start":409.815,"end":433.575},{"sentences":[{"text":"Is it really worthwhile keeping the Care Super?","start":435.345,"end":438.485,"sentiment":"neutral","sentiment_score":0.12938412744551897}],"sentiment":"neutral","sentiment_score":0.12938412744551897,"channel":1,"num_words":8,"start":435.345,"end":438.485},{"sentences":[{"text":"Well, the portfolio","start":440.21503,"end":442.075,"sentiment":"neutral","sentiment_score":-0.038783930242061615}],"sentiment":"neutral","sentiment_score":-0.038783930242061615,"channel":0,"num_words":3,"start":440.21503,"end":442.075},{"sentences":[{"text":"How much","start":441.78,"end":442.59998,"sentiment":"neutral","sentiment_score":-0.10910749062895775}],"sentiment":"neutral","sentiment_score":-0.10910749062895775,"channel":1,"num_words":2,"start":441.78,"end":442.59998},{"sentences":[{"text":"was a bit rough, to be honest.","start":442.21503,"end":443.575,"sentiment":"neutral","sentiment_score":-0.1572438712630953},{"text":"There's 7,386 in there.","start":443.575,"end":445.975,"sentiment":"neutral","sentiment_score":-0.09761871956288815},{"text":"Last check.","start":445.975,"end":446.49,"sentiment":"neutral","sentiment_score":-0.11143140494823456}],"sentiment":"neutral","sentiment_score":-0.13184959899920684,"channel":0,"num_words":13,"start":442.21503,"end":446.49},{"sentences":[{"text":"would it be better to just take that money out and combine it with one of the other accounts and close it.","start":448.41998,"end":458.855,"sentiment":"neutral","sentiment_score":-0.09802766618403522}],"sentiment":"neutral","sentiment_score":-0.09802766618403522,"channel":1,"num_words":22,"start":448.41998,"end":458.855},{"sentences":[{"text":"Well, the main the main portfolio in in the hub is obviously the driver for returns.","start":459.28998,"end":465.305,"sentiment":"neutral","sentiment_score":0.1137395107652992},{"text":"The main reason for CareSoup is, I guess, the activatable cover I'm seeing here, $3,034,000 of life insurance, 23,000 of TPD, total disability cover.","start":466.245,"end":483.15,"sentiment":"neutral","sentiment_score":0.11244779049108426},{"text":"So that's essentially the reason to keep it if you value having those two.","start":483.61,"end":488.43,"sentiment":"neutral","sentiment_score":0.22483889811805316},{"text":"If not, there's almost no reason to keep it in those types of investments.","start":488.72998,"end":492.64502,"sentiment":"neutral","sentiment_score":-0.03516721153365714}],"sentiment":"neutral","sentiment_score":0.10549974641488756,"channel":0,"num_words":68,"start":459.28998,"end":492.64502},{"sentences":[{"text":"So can I make a claim if I've got cover with another superannuation provider?","start":493.58502,"end":501.21002,"sentiment":"neutral","sentiment_score":0.10788379290274211}],"sentiment":"neutral","sentiment_score":0.10788379290274211,"channel":1,"num_words":14,"start":493.58502,"end":501.21002},{"sentences":[{"text":"Yes.","start":502.225,"end":502.545,"sentiment":"neutral","sentiment_score":0.2286282181739807},{"text":"So we've got 30,000 worth of life insurance with AusSuper, 7,000 worth of TPD, and they've also got a little bit of income protection in there for you.","start":502.545,"end":511.25,"sentiment":"neutral","sentiment_score":0.2958296218088695},{"text":"$2,800.","start":511.25,"end":512.69,"sentiment":"neutral","sentiment_score":0.113154798746109},{"text":"So I know it's very small, but that can be added on to work cover percentages, accident, injury, and illness.","start":512.69,"end":521.13495,"sentiment":"neutral","sentiment_score":0.05384143851697445},{"text":"So Australian","start":521.435,"end":522.15497,"sentiment":"neutral","sentiment_score":0.2122856229543686}],"sentiment":"neutral","sentiment_score":0.19473870084262812,"channel":0,"num_words":52,"start":502.225,"end":522.15497},{"sentences":[{"text":"So","start":521.92505,"end":522.245,"sentiment":"neutral","sentiment_score":0.22437679767608645}],"sentiment":"neutral","sentiment_score":0.22437679767608645,"channel":1,"num_words":1,"start":521.92505,"end":522.245},{"sentences":[{"text":"Superstore","start":522.15497,"end":522.555,"sentiment":"neutral","sentiment_score":0.2399550825357437}],"sentiment":"neutral","sentiment_score":0.2399550825357437,"channel":0,"num_words":1,"start":522.15497,"end":522.555},{"sentences":[{"text":"who's","start":522.245,"end":522.745,"sentiment":"neutral","sentiment_score":0.2856936454772949}],"sentiment":"neutral","sentiment_score":0.2856936454772949,"channel":1,"num_words":1,"start":522.245,"end":522.745},{"sentences":[{"text":"Hat does have a bit of cover.","start":522.555,"end":523.935,"sentiment":"neutral","sentiment_score":0.17578750742333277}],"sentiment":"neutral","sentiment_score":0.17578750742333277,"channel":0,"num_words":7,"start":522.555,"end":523.935},{"sentences":[{"text":"who's who's got that Australian Super?","start":524.005,"end":526.505,"sentiment":"neutral","sentiment_score":0.058497836192448936}],"sentiment":"neutral","sentiment_score":0.058497836192448936,"channel":1,"num_words":6,"start":524.005,"end":526.505},{"sentences":[{"text":"Correct.","start":526.95496,"end":527.45496,"sentiment":"neutral","sentiment_score":0.07116781920194626}],"sentiment":"neutral","sentiment_score":0.07116781920194626,"channel":0,"num_words":1,"start":526.95496,"end":527.45496},{"sentences":[{"text":"Okay.","start":530.78,"end":531.28,"sentiment":"neutral","sentiment_score":0.05286462977528572},{"text":"And with the amount of money that I'm paying in fees, is it yeah.","start":532.38,"end":540.16003,"sentiment":"neutral","sentiment_score":0.009227533026465349},{"text":"Does that make it justifiable?","start":540.54004,"end":542.24005,"sentiment":"neutral","sentiment_score":-0.008181463554501533}],"sentiment":"neutral","sentiment_score":0.007057138718664646,"channel":1,"num_words":20,"start":530.78,"end":542.24005},{"sentences":[{"text":"Let me have a look.","start":543.93,"end":544.935,"sentiment":"neutral","sentiment_score":-0.024354411661624907},{"text":"I'm just gonna grab up the admin fee structure","start":547.175,"end":550.395,"sentiment":"neutral","sentiment_score":-0.032407252531912595}],"sentiment":"neutral","sentiment_score":-0.029531237935381278,"channel":0,"num_words":14,"start":543.93,"end":550.395},{"sentences":[{"text":"Because","start":552.275,"end":552.515,"sentiment":"neutral","sentiment_score":-0.07475297152996063}],"sentiment":"neutral","sentiment_score":-0.07475297152996063,"channel":1,"num_words":1,"start":552.275,"end":552.515},{"sentences":[{"text":"because","start":552.375,"end":552.875,"sentiment":"neutral","sentiment_score":-0.11954590678215028}],"sentiment":"neutral","sentiment_score":-0.11954590678215028,"channel":0,"num_words":1,"start":552.375,"end":552.875},{"sentences":[{"text":"if I'm making no contributions and they're charging a truckload of fees, you know, ten years on, there mightn't be any money left.","start":552.515,"end":561.57,"sentiment":"neutral","sentiment_score":-0.2311435490846634}],"sentiment":"neutral","sentiment_score":-0.2311435490846634,"channel":1,"num_words":23,"start":552.515,"end":561.57},{"sentences":[{"text":"Yeah.","start":561.99,"end":562.47003,"sentiment":"neutral","sentiment_score":-0.021511707454919815},{"text":"The premiums let me have a look at the premiums here.","start":562.47003,"end":565.13,"sentiment":"neutral","sentiment_score":-0.004322365603663705},{"text":"So $324 per annum for the life and disability insurance.","start":565.51,"end":570.81,"sentiment":"neutral","sentiment_score":0.037350774928927424},{"text":"And","start":570.825,"end":571.325,"sentiment":"neutral","sentiment_score":-0.005631707608699799}],"sentiment":"neutral","sentiment_score":0.012992100547189299,"channel":0,"num_words":23,"start":561.99,"end":571.325},{"sentences":[{"text":"Right?","start":571.87,"end":572.37,"sentiment":"neutral","sentiment_score":-0.030338117852807045}],"sentiment":"neutral","sentiment_score":-0.030338117852807045,"channel":1,"num_words":1,"start":571.87,"end":572.37},{"sentences":[{"text":"the main driver when it comes to admin fees for the account is if it's a flat dollar fee, it eats into it quite a lot.","start":572.505,"end":579.22504,"sentiment":"neutral","sentiment_score":-0.23517839152079362},{"text":"If it's a percentage based, then it doesn't really matter what the balance is.","start":579.22504,"end":582.84503,"sentiment":"neutral","sentiment_score":-0.07285144446151597}],"sentiment":"neutral","sentiment_score":-0.17836396005004646,"channel":0,"num_words":40,"start":572.505,"end":582.84503},{"sentences":[{"text":"Okay.","start":583.695,"end":584.195,"sentiment":"neutral","sentiment_score":0.047879450023174286}],"sentiment":"neutral","sentiment_score":0.047879450023174286,"channel":1,"num_words":1,"start":583.695,"end":584.195},{"sentences":[{"text":"So we've got another $67.60 plus 0.15% as well.","start":585.88,"end":591.24,"sentiment":"neutral","sentiment_score":0.09786177509360844},{"text":"So they do have a flat fee, a percentage fee, and the insurance premiums.","start":591.24,"end":595.34,"sentiment":"neutral","sentiment_score":0.0766615958086082},{"text":"So you're talking about $4,500 worth of fees coming out per year.","start":595.56,"end":600.315,"sentiment":"neutral","sentiment_score":0.017270156803230446}],"sentiment":"neutral","sentiment_score":0.06175029139433588,"channel":0,"num_words":35,"start":585.88,"end":600.315},{"sentences":[{"text":"Okay.","start":602.835,"end":603.23505,"sentiment":"neutral","sentiment_score":-0.017082130536437035},{"text":"So that'll give me what?","start":603.23505,"end":604.59503,"sentiment":"neutral","sentiment_score":0.006973408535122872},{"text":"Fourteen years?","start":604.59503,"end":605.575,"sentiment":"neutral","sentiment_score":0.0015177158638834953}],"sentiment":"neutral","sentiment_score":0.002602542983368039,"channel":1,"num_words":8,"start":602.835,"end":605.575},{"sentences":[{"text":"I have a quick look because they also they also need to maintain it above $6,000, which is the minimum.","start":607.495,"end":613.995,"sentiment":"neutral","sentiment_score":0.013650463661178946},{"text":"So we would","start":614.12,"end":614.75995,"sentiment":"neutral","sentiment_score":0.026461896176139515}],"sentiment":"neutral","sentiment_score":0.015321520076173803,"channel":0,"num_words":23,"start":607.495,"end":614.75995},{"sentences":[{"text":"Okay.","start":614.755,"end":615.09,"sentiment":"neutral","sentiment_score":0.03309851512312889}],"sentiment":"neutral","sentiment_score":0.03309851512312889,"channel":1,"num_words":1,"start":614.755,"end":615.09},{"sentences":[{"text":"constantly be topping it up every couple of years.","start":614.75995,"end":617.25995,"sentiment":"neutral","sentiment_score":0.05856814773546325}],"sentiment":"neutral","sentiment_score":0.05856814773546325,"channel":0,"num_words":9,"start":614.75995,"end":617.25995},{"sentences":[{"text":"Okay.","start":621.01,"end":621.41003,"sentiment":"neutral","sentiment_score":0.11137506365776062},{"text":"Oh, well, do","start":621.41003,"end":622.05005,"sentiment":"neutral","sentiment_score":0.11868000278870265}],"sentiment":"neutral","sentiment_score":0.11685376800596714,"channel":1,"num_words":4,"start":621.01,"end":622.05005},{"sentences":[{"text":"Fees","start":621.95996,"end":622.19995,"sentiment":"neutral","sentiment_score":0.156309574842453}],"sentiment":"neutral","sentiment_score":0.156309574842453,"channel":0,"num_words":1,"start":621.95996,"end":622.19995},{"sentences":[{"text":"you think","start":622.05005,"end":622.21,"sentiment":"neutral","sentiment_score":0.13135013729333878}],"sentiment":"neutral","sentiment_score":0.13135013729333878,"channel":1,"num_words":2,"start":622.05005,"end":622.21},{"sentences":[{"text":"would","start":622.19995,"end":622.44,"sentiment":"neutral","sentiment_score":0.1814478486776352}],"sentiment":"neutral","sentiment_score":0.1814478486776352,"channel":0,"num_words":1,"start":622.19995,"end":622.44},{"sentences":[{"text":"it's","start":622.21,"end":622.53,"sentiment":"neutral","sentiment_score":0.2051607370376587}],"sentiment":"neutral","sentiment_score":0.2051607370376587,"channel":1,"num_words":1,"start":622.21,"end":622.53},{"sentences":[{"text":"work out","start":622.44,"end":622.75995,"sentiment":"neutral","sentiment_score":0.3085837811231613}],"sentiment":"neutral","sentiment_score":0.3085837811231613,"channel":0,"num_words":2,"start":622.44,"end":622.75995},{"sentences":[{"text":"well,","start":622.69,"end":622.89,"sentiment":"neutral","sentiment_score":0.2730684280395508}],"sentiment":"neutral","sentiment_score":0.2730684280395508,"channel":1,"num_words":1,"start":622.69,"end":622.89},{"sentences":[{"text":"to","start":622.75995,"end":622.92,"sentiment":"neutral","sentiment_score":0.23039183020591736}],"sentiment":"neutral","sentiment_score":0.23039183020591736,"channel":0,"num_words":1,"start":622.75995,"end":622.92},{"sentences":[{"text":"I","start":622.89,"end":623.09,"sentiment":"neutral","sentiment_score":0.2167469561100006}],"sentiment":"neutral","sentiment_score":0.2167469561100006,"channel":1,"num_words":1,"start":622.89,"end":623.09},{"sentences":[{"text":"be","start":622.92,"end":623.42,"sentiment":"neutral","sentiment_score":0.23991245031356812}],"sentiment":"neutral","sentiment_score":0.23991245031356812,"channel":0,"num_words":1,"start":622.92,"end":623.42},{"sentences":[{"text":"think I'll you know, I'm happy to keep it then.","start":623.09,"end":626.47003,"sentiment":"neutral","sentiment_score":0.2970608174800873}],"sentiment":"neutral","sentiment_score":0.2970608174800873,"channel":1,"num_words":10,"start":623.09,"end":626.47003},{"sentences":[{"text":"realistically, it's gonna be copying about six or 7% of the balance on the fees, and it'll probably be earning around seven or 8% returns.","start":628.04,"end":635.425,"sentiment":"neutral","sentiment_score":0.11464136511087418},{"text":"So it's not really gonna actually go anywhere.","start":635.425,"end":637.685,"sentiment":"neutral","sentiment_score":-0.16610687971115112},{"text":"It'll","start":637.985,"end":638.485,"sentiment":"neutral","sentiment_score":-0.08180632442235947}],"sentiment":"neutral","sentiment_score":0.04280508134294959,"channel":0,"num_words":34,"start":628.04,"end":638.485},{"sentences":[{"text":"Yep.","start":638.295,"end":638.795,"sentiment":"neutral","sentiment_score":-0.1012873649597168}],"sentiment":"neutral","sentiment_score":-0.1012873649597168,"channel":1,"num_words":1,"start":638.295,"end":638.795},{"sentences":[{"text":"stay pretty well stagnant just to fund that little bit of insurance cover.","start":638.545,"end":642.005,"sentiment":"neutral","sentiment_score":-0.2728067464553393},{"text":"If you don't","start":642.33,"end":643.05005,"sentiment":"neutral","sentiment_score":-0.11100113391876221}],"sentiment":"neutral","sentiment_score":-0.24246819410473108,"channel":0,"num_words":16,"start":638.545,"end":643.05005},{"sentences":[{"text":"Right.","start":642.775,"end":643.275,"sentiment":"neutral","sentiment_score":-0.08220015466213226}],"sentiment":"neutral","sentiment_score":-0.08220015466213226,"channel":1,"num_words":1,"start":642.775,"end":643.275},{"sentences":[{"text":"value the insurance cover, it's much easier to run two super funds than three and get it growing faster.","start":643.05005,"end":648.67004,"sentiment":"neutral","sentiment_score":-0.018900951860766662},{"text":"If you do value the cover, we can just switch where the contributions go.","start":649.13,"end":653.23004,"sentiment":"neutral","sentiment_score":0.027102461084723473}],"sentiment":"neutral","sentiment_score":0.0006156475706533952,"channel":0,"num_words":33,"start":643.05005,"end":653.23004},{"sentences":[{"text":"Yeah.","start":656.215,"end":656.615,"sentiment":"neutral","sentiment_score":0.057631999254226685},{"text":"Look.","start":656.615,"end":657.015,"sentiment":"neutral","sentiment_score":0.05339183658361435},{"text":"Just just close it.","start":657.015,"end":658.475,"sentiment":"neutral","sentiment_score":0.06073528714478016},{"text":"That'll be","start":658.775,"end":659.255,"sentiment":"neutral","sentiment_score":0.1602388471364975}],"sentiment":"neutral","sentiment_score":0.08430533483624458,"channel":1,"num_words":8,"start":656.215,"end":659.255},{"sentences":[{"text":"Yep.","start":659.225,"end":659.725,"sentiment":"neutral","sentiment_score":0.1543719619512558}],"sentiment":"neutral","sentiment_score":0.1543719619512558,"channel":0,"num_words":1,"start":659.225,"end":659.725},{"sentences":[{"text":"fine.","start":659.255,"end":659.755,"sentiment":"neutral","sentiment_score":0.22178766131401065},{"text":"Yep.","start":660.375,"end":660.875,"sentiment":"neutral","sentiment_score":0.17063984274864197}],"sentiment":"neutral","sentiment_score":0.1962137520313263,"channel":1,"num_words":2,"start":659.255,"end":660.875},{"sentences":[{"text":"K.","start":661.545,"end":662.045,"sentiment":"neutral","sentiment_score":0.2378310263156891},{"text":"I can absolutely do that.","start":662.58496,"end":664.26495,"sentiment":"positive","sentiment_score":0.4913918852806091},{"text":"That means a little bit less admin paperwork for you too because the contributions are going to all super anyway.","start":664.26495,"end":669.245,"sentiment":"neutral","sentiment_score":0.3005743220448494},{"text":"So I can move the funds around through rollovers online, update the portfolio.","start":669.44,"end":673.86,"sentiment":"neutral","sentiment_score":0.20781836028282458},{"text":"I'll double check the income protection, and then everything should be pretty clean after that.","start":674.32,"end":678.66,"sentiment":"neutral","sentiment_score":0.1259415442744891}],"sentiment":"neutral","sentiment_score":0.24624145817425516,"channel":0,"num_words":54,"start":661.545,"end":678.66},{"sentences":[{"text":"Yep.","start":678.99,"end":679.47,"sentiment":"neutral","sentiment_score":0.13053201138973236},{"text":"Yep.","start":679.47,"end":679.97,"sentiment":"neutral","sentiment_score":0.20831215381622312}],"sentiment":"neutral","sentiment_score":0.16942208260297775,"channel":1,"num_words":2,"start":678.99,"end":679.97},{"sentences":[{"text":"Cool.","start":680.32,"end":680.82,"sentiment":"positive","sentiment_score":0.38768911361694336},{"text":"You will have obviously another chance.","start":681.83997,"end":683.36,"sentiment":"neutral","sentiment_score":0.27418429652849835},{"text":"I'll put this together in a plan with the updated projections.","start":683.36,"end":685.99506,"sentiment":"neutral","sentiment_score":0.20295084606517444},{"text":"If at that point you wanna vary the advice and you're not comfortable proceeding with that, you can just write into the plan how you would like to implement it.","start":686.61505,"end":695.195,"sentiment":"neutral","sentiment_score":0.06658239931760666},{"text":"And if you do have second thoughts, we can alter what we do as well.","start":695.335,"end":699.34,"sentiment":"neutral","sentiment_score":0.09777138928572336}],"sentiment":"neutral","sentiment_score":0.1226872542590302,"channel":0,"num_words":63,"start":680.32,"end":699.34},{"sentences":[{"text":"Yep.","start":699.83,"end":700.33,"sentiment":"neutral","sentiment_score":0.13182756304740906}],"sentiment":"neutral","sentiment_score":0.13182756304740906,"channel":1,"num_words":1,"start":699.83,"end":700.33},{"sentences":[{"text":"That sound okay?","start":700.76,"end":701.74,"sentiment":"neutral","sentiment_score":0.18833240866661072}],"sentiment":"neutral","sentiment_score":0.18833240866661072,"channel":0,"num_words":3,"start":700.76,"end":701.74},{"sentences":[{"text":"Yep.","start":701.99005,"end":702.49005,"sentiment":"neutral","sentiment_score":0.23854979872703552}],"sentiment":"neutral","sentiment_score":0.23854979872703552,"channel":1,"num_words":1,"start":701.99005,"end":702.49005},{"sentences":[{"text":"Perfect.","start":703.48,"end":703.98,"sentiment":"positive","sentiment_score":0.5675008893013},{"text":"Alright.","start":704.27997,"end":704.68,"sentiment":"positive","sentiment_score":0.4255950450897217},{"text":"That gives me the direction that I need.","start":704.68,"end":706.52,"sentiment":"positive","sentiment_score":0.5516635775566101},{"text":"Do you have any questions for me at this point?","start":706.52,"end":708.46,"sentiment":"neutral","sentiment_score":0.17514798939228057}],"sentiment":"positive","sentiment_score":0.3578942224383354,"channel":0,"num_words":20,"start":703.48,"end":708.46},{"sentences":[{"text":"Yeah.","start":709.11005,"end":709.61005,"sentiment":"neutral","sentiment_score":0.06757429242134094},{"text":"When do you like, all my income or the super paid by my employer who's","start":710.02496,"end":716.50494,"sentiment":"neutral","sentiment_score":0.049542377889156344}],"sentiment":"neutral","sentiment_score":0.05066937254741788,"channel":1,"num_words":16,"start":709.11005,"end":716.50494},{"sentences":[{"text":"Yep.","start":716.295,"end":716.795,"sentiment":"neutral","sentiment_score":0.05681748688220978}],"sentiment":"neutral","sentiment_score":0.05681748688220978,"channel":0,"num_words":1,"start":716.295,"end":716.795},{"sentences":[{"text":"going into Australian Super, when do you, like, transfer a man across from that into hub twenty four?","start":716.50494,"end":725.88995,"sentiment":"neutral","sentiment_score":0.028307262808084488}],"sentiment":"neutral","sentiment_score":0.028307262808084488,"channel":1,"num_words":18,"start":716.50494,"end":725.88995},{"sentences":[{"text":"So the two ways we can do it, when I put together the updated plan that includes all the recommendations and strategies, Once you sign off on that, we can do a rollover.","start":726.79004,"end":736.105,"sentiment":"neutral","sentiment_score":0.18447712695959842},{"text":"The only","start":736.64496,"end":737.045,"sentiment":"neutral","sentiment_score":0.04829150252044201}],"sentiment":"neutral","sentiment_score":0.1766950912773609,"channel":0,"num_words":35,"start":726.79004,"end":737.045},{"sentences":[{"text":"Yep.","start":736.82996,"end":737.265,"sentiment":"neutral","sentiment_score":0.09673579037189484}],"sentiment":"neutral","sentiment_score":0.09673579037189484,"channel":1,"num_words":1,"start":736.82996,"end":737.265},{"sentences":[{"text":"other thing that we can do outside of that is if you give us permission to do more regular rollovers outside of that.","start":737.045,"end":743.925,"sentiment":"neutral","sentiment_score":0.08465051683394806},{"text":"So normally, when we do a review, we see how much it's built up to be.","start":743.925,"end":747.96,"sentiment":"neutral","sentiment_score":0.12193220900371671},{"text":"We'll update your plan.","start":748.02,"end":749.56,"sentiment":"neutral","sentiment_score":0.19681399315595627},{"text":"You sign off, then we can move funds around unless you stipulate, hey.","start":749.7,"end":754.44,"sentiment":"neutral","sentiment_score":0.11419682204723358},{"text":"Stop asking me every year to do this.","start":755.06,"end":756.98,"sentiment":"neutral","sentiment_score":-0.0065656439401209354}],"sentiment":"neutral","sentiment_score":0.09558073029620573,"channel":0,"num_words":64,"start":737.045,"end":756.98},{"sentences":[{"text":"Please just move x amount unless necessary to discuss.","start":756.98,"end":760.515,"sentiment":"neutral","sentiment_score":0.05967510657178031}],"sentiment":"neutral","sentiment_score":0.05967510657178031,"channel":0,"num_words":9,"start":756.98,"end":760.515},{"sentences":[{"text":"Okay.","start":763.785,"end":764.26495,"sentiment":"neutral","sentiment_score":0.04564683511853218},{"text":"So how often would you normally do it?","start":764.26495,"end":766.02496,"sentiment":"neutral","sentiment_score":0.04023540345951915},{"text":"Just one for years at each review?","start":766.02496,"end":767.96497,"sentiment":"neutral","sentiment_score":0.04486384003290108}],"sentiment":"neutral","sentiment_score":0.04259855893906206,"channel":1,"num_words":16,"start":763.785,"end":767.96497},{"sentences":[{"text":"Once a year would be the sort of middle ground.","start":768.675,"end":772.215,"sentiment":"neutral","sentiment_score":0.06564247831702233},{"text":"We do have a couple of clients that we do every six months for.","start":773.075,"end":776.455,"sentiment":"neutral","sentiment_score":0.09422484678881508},{"text":"Probably","start":776.81,"end":777.20996,"sentiment":"neutral","sentiment_score":0.04384344443678856}],"sentiment":"neutral","sentiment_score":0.08077664330601692,"channel":0,"num_words":25,"start":768.675,"end":777.20996},{"sentences":[{"text":"Right.","start":777.065,"end":777.565,"sentiment":"neutral","sentiment_score":0.048708654940128326}],"sentiment":"neutral","sentiment_score":0.048708654940128326,"channel":1,"num_words":1,"start":777.065,"end":777.565},{"sentences":[{"text":"not more often than that.","start":777.20996,"end":778.75,"sentiment":"neutral","sentiment_score":-0.001745821163058281},{"text":"Need a bit of time for contributions to build up and make sure you're not copying any exit fees or anything like that.","start":778.89,"end":784.51,"sentiment":"neutral","sentiment_score":-0.046678142379159515}],"sentiment":"neutral","sentiment_score":-0.038654513590570004,"channel":0,"num_words":28,"start":777.20996,"end":784.51},{"sentences":[{"text":"Okay.","start":785.47,"end":785.97,"sentiment":"neutral","sentiment_score":0.1298103928565979},{"text":"Yep.","start":786.11,"end":786.59,"sentiment":"neutral","sentiment_score":0.1598982214927673},{"text":"Yep.","start":786.59,"end":787.09,"sentiment":"neutral","sentiment_score":0.2314123213291168}],"sentiment":"neutral","sentiment_score":0.17370697855949402,"channel":1,"num_words":3,"start":785.47,"end":787.09},{"sentences":[{"text":"It still averages out.","start":788.73,"end":789.93,"sentiment":"neutral","sentiment_score":0.2879433333873749},{"text":"So even though it's kind of, let's say, it grows at 8% in Australian super and 10% in in the main fund, and then we roll it across in six, twelve months time, that'll accelerate till then until retirement until the next lot comes in as well.","start":789.93,"end":804.555,"sentiment":"neutral","sentiment_score":0.22459489170541155},{"text":"So that kind of six months doesn't make too much of a difference where it would be a concern for me, but we always follow your instructions.","start":804.695,"end":813.26,"sentiment":"neutral","sentiment_score":0.07427411222899402}],"sentiment":"neutral","sentiment_score":0.17580941376777795,"channel":0,"num_words":78,"start":788.73,"end":813.26},{"sentences":[{"text":"You're right.","start":814.12,"end":814.68,"sentiment":"neutral","sentiment_score":0.3180393576622009},{"text":"You're right.","start":814.68,"end":815.5,"sentiment":"neutral","sentiment_score":0.3192908614873886}],"sentiment":"neutral","sentiment_score":0.31866510957479477,"channel":1,"num_words":4,"start":814.12,"end":815.5},{"sentences":[{"text":"Okay.","start":815.96,"end":816.46,"sentiment":"neutral","sentiment_score":0.29252487421035767}],"sentiment":"neutral","sentiment_score":0.29252487421035767,"channel":0,"num_words":1,"start":815.96,"end":816.46},{"sentences":[{"text":"Yep.","start":817.16,"end":817.63995,"sentiment":"positive","sentiment_score":0.3914853930473328},{"text":"Cool.","start":817.63995,"end":818.13995,"sentiment":"positive","sentiment_score":0.5849966406822205}],"sentiment":"positive","sentiment_score":0.4882410168647766,"channel":1,"num_words":2,"start":817.16,"end":818.13995},{"sentences":[{"text":"Cool.","start":819.0,"end":819.405,"sentiment":"positive","sentiment_score":0.5582138299942017},{"text":"From here, because I've had a couple of openings for next week, I just know I'm booking out at the moment.","start":820.36505,"end":826.30505,"sentiment":"positive","sentiment_score":0.34925719669886995},{"text":"Would you have a bit of time maybe next Wednesday, Thursday to run through that plan together?","start":827.16504,"end":831.265,"sentiment":"neutral","sentiment_score":0.29243720103712645}],"sentiment":"neutral","sentiment_score":0.3298473686744005,"channel":0,"num_words":39,"start":819.0,"end":831.265},{"sentences":[{"text":"Yes.","start":832.395,"end":832.895,"sentiment":"neutral","sentiment_score":0.2081620842218399},{"text":"Let me just see.","start":835.45,"end":836.83,"sentiment":"neutral","sentiment_score":0.1740524098277092},{"text":"Let me have a quick look at my roster, and I'll see what I'm doing.","start":838.49,"end":844.11,"sentiment":"neutral","sentiment_score":0.25281304915746056}],"sentiment":"neutral","sentiment_score":0.23482837304472923,"channel":1,"num_words":20,"start":832.395,"end":844.11},{"sentences":[{"text":"Yeah.","start":844.65,"end":844.97003,"sentiment":"neutral","sentiment_score":0.30509719252586365},{"text":"That's no worries at all.","start":844.97003,"end":851.04504,"sentiment":"positive","sentiment_score":0.3553998678922653},{"text":"And if it helps too, just while you're grabbing that up, I do early on a Monday, Friday, and late nights on a Tuesday, Wednesday, Thursday, so if that helps.","start":854.145,"end":864.49005,"sentiment":"neutral","sentiment_score":0.15835428560773532}],"sentiment":"neutral","sentiment_score":0.1897979194505347,"channel":0,"num_words":36,"start":844.65,"end":864.49005},{"sentences":[{"text":"Monday and Tuesday.","start":864.99005,"end":866.03,"sentiment":"neutral","sentiment_score":0.11457996070384979},{"text":"I've got Tuesday and Wednesday off next week.","start":866.03,"end":868.53,"sentiment":"neutral","sentiment_score":0.1747310422360897},{"text":"So I'm pretty flexible.","start":870.67004,"end":871.81,"sentiment":"neutral","sentiment_score":0.30454426258802414}],"sentiment":"neutral","sentiment_score":0.19731768469015756,"channel":1,"num_words":15,"start":864.99005,"end":871.81},{"sentences":[{"text":"Perfect.","start":873.14496,"end":873.385,"sentiment":"positive","sentiment_score":0.6996876001358032},{"text":"Can I give you a call, like, Wednesday after lunchtime around 01:30?","start":873.385,"end":877.40497,"sentiment":"neutral","sentiment_score":0.16907684629162154}],"sentiment":"neutral","sentiment_score":0.20989305812578934,"channel":0,"num_words":13,"start":873.14496,"end":877.40497},{"sentences":[{"text":"Yeah.","start":878.225,"end":878.46497,"sentiment":"neutral","sentiment_score":0.1900918334722519},{"text":"That should be okay.","start":878.46497,"end":879.52496,"sentiment":"positive","sentiment_score":0.386596143245697}],"sentiment":"positive","sentiment_score":0.347295281291008,"channel":1,"num_words":5,"start":878.225,"end":879.52496},{"sentences":[{"text":"Amazing.","start":881.065,"end":881.565,"sentiment":"positive","sentiment_score":0.7049336433410645},{"text":"What I'll do is I'll get the team to send that little reminder text message out beforehand just in case if we need to move it around a little bit.","start":881.945,"end":888.75,"sentiment":"positive","sentiment_score":0.3584842950105667},{"text":"But I just thought much easier to just finalize these last couple of pieces, get you booked in on Wednesday, and then we can pretty much implement it straight away, and you won't have to wait to the end of the month or anything like that.","start":888.83,"end":900.21,"sentiment":"positive","sentiment_score":0.3551386614208636}],"sentiment":"positive","sentiment_score":0.36098494700023104,"channel":0,"num_words":77,"start":881.065,"end":900.21},{"sentences":[{"text":"Alright.","start":900.69995,"end":901.19995,"sentiment":"neutral","sentiment_score":0.07241062074899673},{"text":"So that was 1PM on Wednesday, the ninth.","start":901.29504,"end":904.99506,"sentiment":"neutral","sentiment_score":0.05005850829184055}],"sentiment":"neutral","sentiment_score":0.052542076342635684,"channel":1,"num_words":9,"start":900.69995,"end":904.99506},{"sentences":[{"text":"01:30 on the","start":906.125,"end":907.485,"sentiment":"neutral","sentiment_score":0.031164330740769703}],"sentiment":"neutral","sentiment_score":0.031164330740769703,"channel":0,"num_words":3,"start":906.125,"end":907.485},{"sentences":[{"text":"Oh,","start":907.455,"end":907.61505,"sentiment":"neutral","sentiment_score":0.0303498487919569}],"sentiment":"neutral","sentiment_score":0.0303498487919569,"channel":1,"num_words":1,"start":907.455,"end":907.61505},{"sentences":[{"text":"ninth,","start":907.485,"end":907.965,"sentiment":"neutral","sentiment_score":0.02938816323876381}],"sentiment":"neutral","sentiment_score":0.02938816323876381,"channel":0,"num_words":1,"start":907.485,"end":907.965},{"sentences":[{"text":"01:30.","start":907.61505,"end":908.41504,"sentiment":"neutral","sentiment_score":0.02413059026002884}],"sentiment":"neutral","sentiment_score":0.02413059026002884,"channel":1,"num_words":1,"start":907.61505,"end":908.41504},{"sentences":[{"text":"if possible.","start":907.965,"end":908.705,"sentiment":"neutral","sentiment_score":0.021642793901264668}],"sentiment":"neutral","sentiment_score":0.021642793901264668,"channel":0,"num_words":2,"start":907.965,"end":908.705},{"sentences":[{"text":"Sorry.","start":908.41504,"end":908.91504,"sentiment":"neutral","sentiment_score":0.003714394755661488},{"text":"01:30PM on Wednesday, the ninth.","start":911.29504,"end":913.955,"sentiment":"neutral","sentiment_score":0.01626112814992666}],"sentiment":"neutral","sentiment_score":0.014170005917549133,"channel":1,"num_words":6,"start":908.41504,"end":913.955},{"sentences":[{"text":"Yep.","start":914.205,"end":914.705,"sentiment":"neutral","sentiment_score":0.09791304916143416},{"text":"Would it be helpful if I invited your email address for a calendar invite?","start":915.02997,"end":919.02997,"sentiment":"neutral","sentiment_score":0.13750617525407247},{"text":"Does that does that help?","start":919.02997,"end":920.25,"sentiment":"neutral","sentiment_score":0.09578581750392914}],"sentiment":"neutral","sentiment_score":0.12509642951190472,"channel":0,"num_words":20,"start":914.205,"end":920.25},{"sentences":[{"text":"Not really.","start":924.31995,"end":924.87994,"sentiment":"neutral","sentiment_score":-0.04929932951927185},{"text":"I've I've got a paper diary, an old","start":924.87994,"end":928.08496,"sentiment":"neutral","sentiment_score":-0.0038755517452955246}],"sentiment":"neutral","sentiment_score":-0.01296030730009079,"channel":1,"num_words":10,"start":924.31995,"end":928.08496},{"sentences":[{"text":"Gotcha.","start":927.67,"end":928.095,"sentiment":"neutral","sentiment_score":-0.005949179641902447}],"sentiment":"neutral","sentiment_score":-0.005949179641902447,"channel":0,"num_words":1,"start":927.67,"end":928.095},{"sentences":[{"text":"fashioned diary that I've just written it down in.","start":928.385,"end":930.725,"sentiment":"neutral","sentiment_score":0.02951734678612815}],"sentiment":"neutral","sentiment_score":0.02951734678612815,"channel":1,"num_words":9,"start":928.385,"end":930.725},{"sentences":[{"text":"That's alright.","start":931.535,"end":932.27496,"sentiment":"neutral","sentiment_score":0.09608921781182289},{"text":"Again, I'll send you the text message beforehand, but, yeah, 01:30 on Wednesday, the ninth, we can run","start":932.65497,"end":938.01495,"sentiment":"neutral","sentiment_score":0.09020736689368884}],"sentiment":"neutral","sentiment_score":0.09079555198550224,"channel":0,"num_words":20,"start":931.535,"end":938.01495},{"sentences":[{"text":"Yep.","start":937.985,"end":938.485,"sentiment":"neutral","sentiment_score":0.1049191951751709}],"sentiment":"neutral","sentiment_score":0.1049191951751709,"channel":1,"num_words":1,"start":937.985,"end":938.485},{"sentences":[{"text":"through that plan together.","start":938.01495,"end":939.15497,"sentiment":"neutral","sentiment_score":0.10423707962036133}],"sentiment":"neutral","sentiment_score":0.10423707962036133,"channel":0,"num_words":4,"start":938.01495,"end":939.15497},{"sentences":[{"text":"Yep.","start":939.58496,"end":939.90497,"sentiment":"neutral","sentiment_score":0.19265906512737271},{"text":"Beautiful.","start":939.90497,"end":940.40497,"sentiment":"positive","sentiment_score":0.6120275855064392}],"sentiment":"positive","sentiment_score":0.402343325316906,"channel":1,"num_words":2,"start":939.58496,"end":940.40497},{"sentences":[{"text":"Awesome.","start":941.76996,"end":942.01,"sentiment":"positive","sentiment_score":0.5504128336906433},{"text":"Anything else I can do before I let you go there, Shane?","start":942.01,"end":944.43,"sentiment":"neutral","sentiment_score":0.19633113717039427}],"sentiment":"neutral","sentiment_score":0.22356819074887496,"channel":0,"num_words":13,"start":941.76996,"end":944.43},{"sentences":[{"text":"No.","start":944.74005,"end":945.24005,"sentiment":"neutral","sentiment_score":-0.03956928476691246},{"text":"That's I don't know.","start":945.38,"end":948.02,"sentiment":"neutral","sentiment_score":-0.031151864677667618},{"text":"What else do you do?","start":948.02,"end":949.32,"sentiment":"neutral","sentiment_score":0.049231088161468504}],"sentiment":"neutral","sentiment_score":0.00819786973297596,"channel":1,"num_words":10,"start":944.74005,"end":949.32},{"sentences":[{"text":"You make the the decisions you can with the information in front of you and just hope that it kind of fits you personally.","start":950.89,"end":956.58997,"sentiment":"neutral","sentiment_score":0.296045105283459},{"text":"And, again, if we need to, we do tend to change it.","start":956.985,"end":961.46497,"sentiment":"neutral","sentiment_score":0.11905342030028503},{"text":"So if something happens, yes, let's say CareSuper goes.","start":961.46497,"end":964.685,"sentiment":"neutral","sentiment_score":0.1064475385679139},{"text":"There are other funds that do defaults, and I can always kind of refresh a similar position if we ever need","start":964.985,"end":971.46,"sentiment":"neutral","sentiment_score":0.1061352530405635}],"sentiment":"neutral","sentiment_score":0.1775847232025681,"channel":0,"num_words":66,"start":950.89,"end":971.46},{"sentences":[{"text":"Yep.","start":972.32,"end":972.80005,"sentiment":"neutral","sentiment_score":0.09055458009243011},{"text":"Yep.","start":972.80005,"end":973.30005,"sentiment":"neutral","sentiment_score":0.08534471690654755},{"text":"Yeah.","start":973.84,"end":974.24005,"sentiment":"neutral","sentiment_score":0.0587199442088604},{"text":"The only reason I had that one was that was just the super that you was used with a previous","start":974.24005,"end":982.935,"sentiment":"neutral","sentiment_score":-0.20700581967830659}],"sentiment":"neutral","sentiment_score":-0.169804224015578,"channel":1,"num_words":23,"start":972.32,"end":982.935},{"sentences":[{"text":"to.","start":982.9,"end":983.4,"sentiment":"neutral","sentiment_score":-0.07280738651752472}],"sentiment":"neutral","sentiment_score":-0.07280738651752472,"channel":0,"num_words":1,"start":982.9,"end":983.4},{"sentences":[{"text":"employer.","start":983.07495,"end":983.57495,"sentiment":"neutral","sentiment_score":-0.09895463287830351},{"text":"So yeah.","start":986.035,"end":988.035,"sentiment":"neutral","sentiment_score":-0.0737440474331379},{"text":"No.","start":988.035,"end":988.535,"sentiment":"neutral","sentiment_score":-0.25587090849876404},{"text":"We'll get rid of that and tidy things up a bit.","start":988.675,"end":991.01495,"sentiment":"neutral","sentiment_score":-0.12314808504147963}],"sentiment":"neutral","sentiment_score":-0.12379617144664129,"channel":1,"num_words":15,"start":983.07495,"end":991.01495},{"sentences":[{"text":"Easy done.","start":991.63495,"end":992.355,"sentiment":"neutral","sentiment_score":0.26552192866802216},{"text":"Alright.","start":992.355,"end":992.83496,"sentiment":"neutral","sentiment_score":0.10222101211547852},{"text":"Leave it with me.","start":992.83496,"end":993.63495,"sentiment":"neutral","sentiment_score":0.08699116110801697},{"text":"I'll finish off these couple of calls for the insurance, and and then I'll be speaking to you next Wednesday.","start":993.63495,"end":1001.10004,"sentiment":"neutral","sentiment_score":0.11121902242302895}],"sentiment":"neutral","sentiment_score":0.11872629490163591,"channel":0,"num_words":27,"start":991.63495,"end":1001.10004},{"sentences":[{"text":"Yep.","start":1001.91,"end":1002.31,"sentiment":"neutral","sentiment_score":0.23940736055374143},{"text":"Beautiful.","start":1002.31,"end":1002.81,"sentiment":"positive","sentiment_score":0.787136435508728}],"sentiment":"positive","sentiment_score":0.5132718980312347,"channel":1,"num_words":2,"start":1001.91,"end":1002.81},{"sentences":[{"text":"Awesome, Jane.","start":1003.72003,"end":1004.36005,"sentiment":"positive","sentiment_score":0.8318802118301392},{"text":"Have a fantastic evening and weekend, and I'll talk to you soon.","start":1004.36005,"end":1007.34,"sentiment":"positive","sentiment_score":0.7741879274447759}],"sentiment":"positive","sentiment_score":0.7824296823569706,"channel":0,"num_words":14,"start":1003.72003,"end":1007.34},{"sentences":[{"text":"Terrific.","start":1007.75,"end":1008.25,"sentiment":"positive","sentiment_score":0.8223572969436646},{"text":"Thank you.","start":1008.31,"end":1008.97,"sentiment":"positive","sentiment_score":0.7837528586387634},{"text":"See you.","start":1009.11,"end":1009.51996,"sentiment":"positive","sentiment_score":0.6518548727035522}],"sentiment":"positive","sentiment_score":0.7387145519256592,"channel":1,"num_words":5,"start":1007.75,"end":1009.51996},{"sentences":[{"text":"Thank","start":1009.32,"end":1009.56,"sentiment":"positive","sentiment_score":0.4900926649570465}],"sentiment":"positive","sentiment_score":0.4900926649570465,"channel":0,"num_words":1,"start":1009.32,"end":1009.56},{"sentences":[{"text":"Bye.","start":1009.51996,"end":1010.01996,"sentiment":"positive","sentiment_score":0.4072130918502808}],"sentiment":"positive","sentiment_score":0.4072130918502808,"channel":1,"num_words":1,"start":1009.51996,"end":1010.01996},{"sentences":[{"text":"you, mate.","start":1009.56,"end":1010.12,"sentiment":"positive","sentiment_score":0.4876003861427307},{"text":"Bye.","start":1010.12,"end":1010.62,"sentiment":"neutral","sentiment_score":-0.1084357425570488}],"sentiment":"neutral","sentiment_score":0.28892167657613754,"channel":0,"num_words":3,"start":1009.56,"end":1010.62}]},"summary":{"result":"success","short":"Shane and the representative discussed updating the portfolio for the server, high-risk employment for firefighters and pilots, and the risks associated with certain types of employment. They also mentioned the need for body function in walking and walking with train drivers. The conversation also covered risk analysis and the importance of body function in walking and walking with train drivers. The customer and representative discussed CareLive insurance and the possibility of switching to Australian'am to save money and increase coverage. They also discussed rolling over income and updating the plan for regular rollovers, and scheduled a review for next week. They provided a time for a paper diary and discussed updating the plan for regular rollovers."},"intents":{"segments":[{"text":"I essentially just wanted to give you a couple of updates on our research. Couple of little things I wanted to run by you as well, and then I'm pretty well good to have your plan finalized Yep. for next Yep. week.","start_word":82,"end_word":123,"intents":[{"intent":"Finalize plan","confidence_score":0.0931022}]},{"text":"It's just one of the things where those three occupations are normally covered through the employer themselves, and they do consider they do actually consider those three to be high risk, but most of them are they tend to be covered through, you know, like, public sector employment bargaining agreements and things like that. So Yeah.","start_word":321,"end_word":376,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.0025282875},{"intent":"Discuss risk analysis","confidence_score":0.18700323}]},{"text":"I'm not sure what what your job will be like with with those things if you had, like, a broken leg or or a hand or something. Would they just basically say you're not allowed to operate or or anything like that? Yeah.","start_word":513,"end_word":555,"intents":[{"intent":"Discuss job requirements","confidence_score":0.290634}]},{"text":"We do a lot of walking with train drivers because because trains are so big.","start_word":574,"end_word":588,"intents":[{"intent":"Discuss walking with train drivers","confidence_score":0.11659925}]},{"text":"The other thing too, and forgive me for not bringing this up upfront, but we got the research back from CareSuper and AustralianSuper, and we've had a a lapse of your CareSuper insurances.","start_word":901,"end_word":933,"intents":[{"intent":"Evaluate insurance lapse","confidence_score":0.010079074}]},{"text":"So can I make a claim if I've got cover with another superannuation provider? Yes.","start_word":1337,"end_word":1351,"intents":[{"intent":"Make claim with aussuper","confidence_score":0.0016928043}]},{"text":"I have a quick look because they also they also need to maintain it above $6,000, which is the minimum. So we would Okay.","start_word":1587,"end_word":1610,"intents":[{"intent":"Discuss super super payments","confidence_score":0.008116651}]},{"text":"value the insurance cover, it's much easier to run two super funds than three and get it growing faster. If you do value the cover, we can just switch where the contributions go. Yeah.","start_word":1697,"end_word":1730,"intents":[{"intent":"Discuss super funds","confidence_score":0.010227226}]},{"text":"So I can move the funds around through rollovers online, update the portfolio. I'll double check the income protection, and then everything should be pretty clean after that. Yep.","start_word":1767,"end_word":1795,"intents":[{"intent":"Update portfolio","confidence_score":0.009047584}]},{"text":"When do you like, all my income or the super paid by my employer who's Yep. going into Australian Super, when do you, like, transfer a man across from that into hub twenty four?","start_word":1886,"end_word":1919,"intents":[{"intent":"Confirm transfer","confidence_score":0.0003896871}]},{"text":"So the two ways we can do it, when I put together the updated plan that includes all the recommendations and strategies, Once you sign off on that, we can do a rollover. The only Yep.","start_word":1921,"end_word":1956,"intents":[{"intent":"Update plan and recommend changes","confidence_score":0.00002798751}]},{"text":"Can I give you a call, like, Wednesday after lunchtime around 01:30? Yeah.","start_word":2298,"end_word":2310,"intents":[{"intent":"Schedule meeting","confidence_score":0.149009}]}]},"sentiments":{"segments":[{"text":"Hi, Shane. You're through to Tommy here, mate. How are you doing? Yeah.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.22621063888072968},{"text":"Good. Yourself? I'm living the dream. It's a beautiful evening so far, but thank you so much for calling back in.","start_word":13,"end_word":33,"sentiment":"positive","sentiment_score":0.6959418058395386},{"text":"Yeah. That's alright. I yeah. I was just in the middle of doing something, and I had these plastic gloves on. You know, he was trying to answer my phone, and, yeah, it wasn't responding. That's fair enough. I won't take too much of your time this evening. I essentially just wanted to give you a couple of updates on our research.","start_word":34,"end_word":95,"sentiment":"neutral","sentiment_score":0.02343934215605259},{"text":"Couple of little things I wanted to run by you as well, and then I'm pretty well good to have your plan finalized Yep.","start_word":96,"end_word":119,"sentiment":"positive","sentiment_score":0.4434768557548523},{"text":"for next Yep. week. Now just as a quick little recap, what we've been doing in the background. So we were talking about updating the portfolio for the server, Sure. possibly moving some funds between the accounts. So I've got all the updated portfolio comparisons done.","start_word":120,"end_word":165,"sentiment":"neutral","sentiment_score":0.10756026208400726},{"text":"Looks very, very good.","start_word":166,"end_word":169,"sentiment":"positive","sentiment_score":0.4992436170578003},{"text":"We weren't really doing anything estate planning wise. We have been investigating the insurances and researching CareSuper and AustralianSuper just to try and keep those going. Does that ring a bell? Yep. Now one of the things too that we talked about was income protection for the the train driving occupation. Now Yep. there is a couple of providers that we've found that they ensure, like, firefighters, and that's one of the kind of top three, basically, trained drivers, firefighters, and pilots are the top three in that single category that tend to get restricted. So I'm just waiting to hear back from them to see if they will offer income protection, and that should come back through in the next couple of days, probably tomorrow or Monday as well. Right. Right. Tomorrow, Now do the I other just got it to be high risk or something today? yeah. No. It's just one of the things where those three occupations are normally covered through the employer themselves, and they do consider they do actually consider those three to be high risk, but most of them are they tend to be covered through, you know, like, public sector employment bargaining agreements and things like that. So Yeah. it's not an area that's pretty common to get cover for. Yep. Yep. Same thing with, like, Qantas pilots. Qantas has their own, like, income protection and things like that. There was only ever one insurer that would ever look at those guys. Yep. Now the I'm other surprised. thing too I was gonna surprise. say I'm Sorry. surprised because how many Qantas planes crashed? None. Yeah. How many trains crash? How many Qantas planes crash? I think and correct me if I'm wrong too. Part of the risk analysis that the insurers do is around body function leading to doing the role. So, you know, the old tradie there who's using his fingers or the surgeon tends to have a lot of difficulty even if their finger's broken, No. that Okay. kind of thing. Yep. Yep. I'm not sure what what your job will be like with with those things if you had, like, a broken leg or or a hand or something. Would they just basically say you're not allowed to operate or or anything like that? Yeah. Well, yeah, that that's what would happen because if we have a broken leg, yeah, we can't walk. We do a lot of walking with train drivers because because trains are so big. You know, if we've gotta move it out to the yard, for example, Yeah. once we get off the train, Yeah. it's a long walk from the yard back to civilization just because the yard is so big because they're gonna hold big trains. So we Yeah. need to be Absolutely. able to walk. We need to be able to climb in and out of trains if we're on the ground. Whereas I can go in in a wheelchair, and I can still do a few phone calls. So Yeah. So, yeah, we couldn't do that. I mean, you can still operate a train from inside the cabin, but it's getting in and out of the cabin that you'd have probably have a a drama with. yes. Even if you'd be able to do it, the employee would probably just put a put a no on that until you get back from sick leave or something Yeah. like That's what I'll do. that. Yep. I would say Absolutely. medically empty. Yeah. Yeah. So I don't look. I don't like the chances too much, but, again, there's a couple that are possible.","start_word":170,"end_word":779,"sentiment":"neutral","sentiment_score":-0.10171678487028256},{"text":"And what I'll come back to you with is if they are gonna insure it, if they get to offer you what they call, like, a special risk or ADL definitions, they're very, very, very restrictive and and almost not worth the paper they're written on.","start_word":780,"end_word":825,"sentiment":"negative","sentiment_score":-0.33617478609085083},{"text":"The one Yep. that you're aiming for is a similar definition to your TPD cover where it's like, if you can't work any occupation you're reasonably suited to, well, then you made a definition that you can be paid. So a lot less Right. Right. restrictive. So, again, I I wanna make sure if I do find something, it's gonna be a value for the price that you'd pay for it. Yeah. For sure. Yep. The other thing too, and forgive me for not bringing this up upfront, but we got the research back from CareSuper and AustralianSuper, and we've had a a lapse of your CareSuper insurances.","start_word":826,"end_word":933,"sentiment":"neutral","sentiment_score":0.013545624911785126},{"text":"Apparently, when we contacted them, they've been sending out letters or something for a good period of time between October and April, and they've temporarily canceled the insurances that are in CareSoup.","start_word":934,"end_word":965,"sentiment":"negative","sentiment_score":-0.35250982642173767},{"text":"Alright. What address were they sending them to? Let's have a look. We've got King Street, Wallin, Victoria, Yeah. That's my current address now. and But what address does care have on file? that's the one that they've got on the statement. Oh, well, it's definitely where I am now. I wonder if they had opted for some super funds have switched from from letters to emails. So you might have something sitting there in an inbox somewhere. Not a 100% certain what email you might have linked with them. They don't show it to me. Yeah. Well, I've had the same email address for twenty years. So Shouldn't it be any different. but I don't have my current one. Yep. And you're pretty on top of your emails, I believe. If something Yeah. popped up three, four times final final payment notice, you'd probably have noticed that. Yeah. Definitely noticed that. Yeah. I do have some solutions, though. I never come into a conversation without a solution. The Australian Super and Care Super have a really good way of dealing with dormant cover where a contribution can reactivate it straight away. Okay. So what we would need to do, Care Super requires an employer contribution, whereas Australian Super could do it off of an opt in notice and a small ad hoc contribution. So I wanted to run by you the idea of potentially switching the contributions to go to CareSuper and then opting into AustralianSuper. That's the the safest way to maintain those. Is it really worthwhile keeping the Care Super? Well, the portfolio How much was a bit rough, to be honest. There's 7,386 in there. Last check. would it be better to just take that money out and combine it with one of the other accounts and close it. Well, the main the main portfolio in in the hub is obviously the driver for returns. The main reason for CareSoup is, I guess, the activatable cover I'm seeing here, $3,034,000 of life insurance, 23,000 of TPD, total disability cover. So that's essentially the reason to keep it if you value having those two. If not, there's almost no reason to keep it in those types of investments. So can I make a claim if I've got cover with another superannuation provider? Yes. So we've got 30,000 worth of life insurance with AusSuper, 7,000 worth of TPD, and they've also got a little bit of income protection in there for you. $2,800. So I know it's very small, but that can be added on to work cover percentages, accident, injury, and illness. So Australian So Superstore who's Hat does have a bit of cover. who's who's got that Australian Super? Correct. Okay. And with the amount of money that I'm paying in fees, is it yeah. Does that make it justifiable? Let me have a look. I'm just gonna grab up the admin fee structure Because because if I'm making no contributions and they're charging a truckload of fees, you know, ten years on, there mightn't be any money left. Yeah. The premiums let me have a look at the premiums here. So $324 per annum for the life and disability insurance. And Right? the main driver when it comes to admin fees for the account is if it's a flat dollar fee, it eats into it quite a lot. If it's a percentage based, then it doesn't really matter what the balance is. Okay. So we've got another $67.60 plus 0.15% as well. So they do have a flat fee, a percentage fee, and the insurance premiums. So you're talking about $4,500 worth of fees coming out per year. Okay. So that'll give me what? Fourteen years? I have a quick look because they also they also need to maintain it above $6,000, which is the minimum. So we would Okay. constantly be topping it up every couple of years. Okay. Oh, well, do Fees you think would it's work out well, to I be think I'll you know, I'm happy to keep it then. realistically, it's gonna be copying about six or 7% of the balance on the fees, and it'll probably be earning around seven or 8% returns. So it's not really gonna actually go anywhere. It'll Yep. stay pretty well stagnant just to fund that little bit of insurance cover. If you don't Right. value the insurance cover, it's much easier to run two super funds than three and get it growing faster. If you do value the cover, we can just switch where the contributions go. Yeah. Look. Just just close it. That'll be Yep. fine. Yep. K.","start_word":966,"end_word":1741,"sentiment":"neutral","sentiment_score":0.03230568091145035},{"text":"I can absolutely do that.","start_word":1742,"end_word":1746,"sentiment":"positive","sentiment_score":0.4839925169944763},{"text":"That means a little bit less admin paperwork for you too because the contributions are going to all super anyway. So I can move the funds around through rollovers online, update the portfolio. I'll double check the income protection, and then everything should be pretty clean after that. Yep. Yep.","start_word":1747,"end_word":1796,"sentiment":"neutral","sentiment_score":0.2110770046710968},{"text":"Cool.","start_word":1797,"end_word":1797,"sentiment":"positive","sentiment_score":0.38768911361694336},{"text":"You will have obviously another chance. I'll put this together in a plan with the updated projections. If at that point you wanna vary the advice and you're not comfortable proceeding with that, you can just write into the plan how you would like to implement it. And if you do have second thoughts, we can alter what we do as well. Yep. That sound okay? Yep.","start_word":1798,"end_word":1864,"sentiment":"neutral","sentiment_score":0.12712110579013824},{"text":"Perfect. Alright. That gives me the direction that I need.","start_word":1865,"end_word":1874,"sentiment":"positive","sentiment_score":0.5253607630729675},{"text":"Do you have any questions for me at this point? Yeah. When do you like, all my income or the super paid by my employer who's Yep. going into Australian Super, when do you, like, transfer a man across from that into hub twenty four? So the two ways we can do it, when I put together the updated plan that includes all the recommendations and strategies, Once you sign off on that, we can do a rollover. The only Yep. other thing that we can do outside of that is if you give us permission to do more regular rollovers outside of that. So normally, when we do a review, we see how much it's built up to be. We'll update your plan. You sign off, then we can move funds around unless you stipulate, hey. Stop asking me every year to do this. Please just move x amount unless necessary to discuss. Okay. So how often would you normally do it? Just one for years at each review? Once a year would be the sort of middle ground. We do have a couple of clients that we do every six months for. Probably Right. not more often than that. Need a bit of time for contributions to build up and make sure you're not copying any exit fees or anything like that. Okay. Yep. Yep. It still averages out. So even though it's kind of, let's say, it grows at 8% in Australian super and 10% in in the main fund, and then we roll it across in six, twelve months time, that'll accelerate till then until retirement until the next lot comes in as well. So that kind of six months doesn't make too much of a difference where it would be a concern for me, but we always follow your instructions. You're right. You're right. Okay.","start_word":1875,"end_word":2184,"sentiment":"neutral","sentiment_score":0.11135406383583622},{"text":"Yep. Cool. Cool. From here, because I've had a couple of openings for next week, I just know I'm booking out at the moment.","start_word":2185,"end_word":2208,"sentiment":"positive","sentiment_score":0.373912513256073},{"text":"Would you have a bit of time maybe next Wednesday, Thursday to run through that plan together? Yes. Let me just see. Let me have a quick look at my roster, and I'll see what I'm doing. Yeah.","start_word":2209,"end_word":2246,"sentiment":"neutral","sentiment_score":0.2635268568992615},{"text":"That's no worries at all.","start_word":2247,"end_word":2251,"sentiment":"positive","sentiment_score":0.44539695978164673},{"text":"And if it helps too, just while you're grabbing that up, I do early on a Monday, Friday, and late nights on a Tuesday, Wednesday, Thursday, so if that helps. Monday and Tuesday. I've got Tuesday and Wednesday off next week. So I'm pretty flexible.","start_word":2252,"end_word":2296,"sentiment":"neutral","sentiment_score":0.17307542264461517},{"text":"Perfect.","start_word":2297,"end_word":2297,"sentiment":"positive","sentiment_score":0.6996876001358032},{"text":"Can I give you a call, like, Wednesday after lunchtime around 01:30? Yeah.","start_word":2298,"end_word":2310,"sentiment":"neutral","sentiment_score":0.16352303326129913},{"text":"That should be okay. Amazing. What I'll do is I'll get the team to send that little reminder text message out beforehand just in case if we need to move it around a little bit. But I just thought much easier to just finalize these last couple of pieces, get you booked in on Wednesday, and then we can pretty much implement it straight away, and you won't have to wait to the end of the month or anything like that.","start_word":2311,"end_word":2391,"sentiment":"positive","sentiment_score":0.3637669384479522},{"text":"Alright. So that was 1PM on Wednesday, the ninth. 01:30 on the Oh, ninth, 01:30. if possible. Sorry. 01:30PM on Wednesday, the ninth. Yep. Would it be helpful if I invited your email address for a calendar invite? Does that does that help? Not really. I've I've got a paper diary, an old Gotcha. fashioned diary that I've just written it down in. That's alright. Again, I'll send you the text message beforehand, but, yeah, 01:30 on Wednesday, the ninth, we can run Yep. through that plan together. Yep.","start_word":2392,"end_word":2480,"sentiment":"neutral","sentiment_score":0.06228378787636757},{"text":"Beautiful. Awesome.","start_word":2481,"end_word":2482,"sentiment":"positive","sentiment_score":0.5812202095985413},{"text":"Anything else I can do before I let you go there, Shane? No. That's I don't know. What else do you do? You make the the decisions you can with the information in front of you and just hope that it kind of fits you personally. And, again, if we need to, we do tend to change it. So if something happens, yes, let's say CareSuper goes. There are other funds that do defaults, and I can always kind of refresh a similar position if we ever need Yep. Yep. Yeah. The only reason I had that one was that was just the super that you was used with a previous to. employer. So yeah. No. We'll get rid of that and tidy things up a bit. Easy done. Alright. Leave it with me. I'll finish off these couple of calls for the insurance, and and then I'll be speaking to you next Wednesday. Yep.","start_word":2483,"end_word":2637,"sentiment":"neutral","sentiment_score":0.07270765641043263},{"text":"Beautiful. Awesome, Jane. Have a fantastic evening and weekend, and I'll talk to you soon. Terrific. Thank you. See you. Thank Bye. you, mate.","start_word":2638,"end_word":2661,"sentiment":"positive","sentiment_score":0.7036851048469543},{"text":"Bye.","start_word":2662,"end_word":2662,"sentiment":"neutral","sentiment_score":0.2666805386543274}],"average":{"sentiment":"neutral","sentiment_score":0.04931388975886802}}}}