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I had you booked in for a bit of a cash out just in relation to some lending, I believe. Is that right? Yeah. Yeah. Yeah. I'm so sorry. Yeah. Yep. Yep. Yeah. Yeah. Yes. Yep. Yep. Yep. Right. Yep. Yep. Right. Yeah. Yep. Yep. Yes. Yep. Yeah. Yep. Yeah. Absolutely. Yes. Yep. Yes. It is. Yes. Because it's gonna be an unsecured loan, which makes it really difficult and very high and very risky for the bank. So yeah. Yeah. Yes. Yes. Yeah. Yeah. Yeah. Absolutely. Well, I know secured unsecured loans at the moment are going anywhere from 12 to 15% to 20 something just to percent depending on what you're looking at, which is phenomenally huge. We absolutely do. So we do have a mortgage broker who does personal lending, so Fabian. He's very, very good at this. It may have to come down to it being a unsecured personal loan, But if you extend the term out to the longest possible term frame and he might be able to do it so it's variable, so there may be less in the way of break cost and things like that. But I would be more than happy to put you in touch with Fabian if you like. I can do an email that introduces you to him and him to you. They'll touch base, have a chat. If you're comfortable with me in the email, I can put down that, you know, this is for this is gonna be your main primary residence down the track, that the goal is to access super to to to draw the funds out when Phil reaches 65 oh, sorry, 60. And then, you know, sort of give him a bit of context around what the loan purpose is and and the goal around that so they can maybe have more of a conversation, look at the borrowing capacity, and maybe look at what options they might have for lending. Does that sound right? Or Yep. Beautiful. Absolutely. Absolutely. Yeah. They have those second tier lenders that might even just be appropriate for the time being to give you a lower interest rate knowing that you're gonna be able to pay this back at another time frame. I completely get it. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Wow. That is insane. Yeah. Yep. Yeah. And that'd be cool because you still have that time frame in the house. If they've got that completed, you could have a bit of a test run, have a holiday somewhere and see how you like it, see what's, you know, feeling for you. Absolutely. Yeah. Yeah. Perfect. Yep. Yeah. Yep. Yes. Yep. Absolutely. Yep. Yep. Yep. Break free. Yes. Yeah. Absolutely. Not a problem at all. Well, as soon as I get off this call, I'll do the email up with the introductions. It'll come through straight away. Is it better if the broker makes contact with yourself, or is it better for Phil or both of you? What would be the best option for you at the moment? Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Perfect. Perfect. Mhmm. Mhmm. All all we need to do is I just need a date. So, essentially, if he can email me and just say, hey. I'm gonna retire at this date, we can have the paperwork pre like, pre done so he can sign it on the date that he has chosen to retire, and we can submit that off to get the, to get the funds changed, the preservation changes very quickly. And then we we process the withdrawal on this end for you. So, yeah, I just need an email with the date that I'm planning. So he just needs to say, I'm planning to retire on this date, and that's all he needs to tell me and that he wants to proceed with the withdrawal of so much money. And that's all I need to know, and I can do the rest of it for you. Yep. Mhmm. So they will do the process very, very quickly. We will do the sell downs straight away once we've got everything ready to go. The super fund normally takes about a day. So it's, like, one day to have it all ticked the the boxes ticked, the things all changed over so the funds are not turned to nonpreserved, unrestricted. And then from that, we process and withdraw everything here. It can take about a week or two depending on the buyers and sales and what the super fund has to do, but we can also sell the funds so they come out of maybe some investments and make it a faster process for you as well. And if we're not if yeah. And the other thing that's really cool is if we're not selling down more than 80% of the portfolio, like, it's only a smaller amount, then we can also get hub twenty four to allow us to withdraw those funds quicker. So they will do the the withdrawal prior to the investments all fully being sold down because they know they can recoup those funds later on down the track. So we've got that option. Yeah. Yeah. No. That's perfectly fine. Just a little bit. Yeah. Yeah. Absolutely. Yeah. Absolutely. No. Nice. Easy. And we don't even have to move him into pension. Once we've got the date, we can withdraw it straight out of the super fund to make it faster as well. So yeah. Yep. You don't even have to let me know. You can. If you decide him to go back to work and he's had enough, there's no issues whatsoever. He can just go back to work. Anything that's unpreserved, nonrestricted at the time that he is retired remains unrestricted, nonpreserved. Anything that if he decides to get back to work at a later time and contributions start going back into the fund, those become re preserved until he meets the condition of release. The next condition of release is 65. Yeah. Yep. The nice nice easy process, and this is a simple email to me saying, I'm gonna retire this date. I need to withdraw this amount of money, and we can absolutely get that sorted. But we can even talk about that in the review when you guys come and we go through your annual review. We can look at what date you wanna retire and kinda get all of that, you know, ready to go and yeah. Yep. Yeah. Yes. Yep. August. Yeah. We we'll probably even try and do it, like, a month before. So that way, you're not having to wait right up until August. Yeah. We don't have to do it right at that particular month. We can do it maybe July if you want to or whenever it's convenient for you guys. So Yeah. Perfect. Yep. Perfect. Yeah. No. Not a problem at all. Well, I'll do the email up now so it introduces yourself to Fabian, Fabian to you. He normally sends an email saying, hey. What date and time is more appropriate? Did you want me to just let him know to give you a call sometime today or tomorrow? When do you think I should get him to give you a call? Still home? Yep. Yep. Yep. Yep. Yep. No. Yeah. No. That's okay. Yep. Beautiful. Lovely. I'll get him to give you a call then. He can go through abs absolutely. Not a problem. I'll let him know. I'll give him some context in the email for you. It'll come through to both of you so you can see what I put in there. I'll get him just to give you a call, and he can talk about servicing, look at everything, you know, in-depth servicing wise for you and let you know what your options are. And then, yeah, just feel free to let me know what happens there and how it all goes. And if you have additional questions, just let me know. Yeah. That's okay. Oh, that's good. I like that. Thank you. No. It'll be all good. It's very exciting. I love it. It's fantastic. It's real. Yeah. Yeah. Oh, not a problem. That's okay. I'll get that email to you right now. Not a problem at all of that. My pleasure. I'll talk to you soon. See you later. 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Yvette. It's Dana from Okey Financial. How are you today? Oh, thank you. I did try.\n\nAll good. Hey, George. I had you booked in for a bit of a cash out just in relation to some lending, I believe. Is that right? Yeah.\n\nYeah. Yeah. I'm so sorry. Yeah. Yep.\n\nYep. Yeah. Yeah. Yes. Yep.\n\nYep. Yep. Right. Yep. Yep.\n\nRight. Yeah. Yep. Yep. Yes.\n\nYep. Yeah. Yep. Yeah. Absolutely.\n\nYes. Yep. Yes. It is. Yes.\n\nBecause it's gonna be an unsecured loan, which makes it really difficult and very high and very risky for the bank. So yeah. Yeah. Yes. Yes.\n\nYeah. Yeah. Yeah. Absolutely. Well, I know secured unsecured loans at the moment are going anywhere from 12 to 15% to 20 something just to percent depending on what you're looking at, which is phenomenally huge.\n\nWe absolutely do. So we do have a mortgage broker who does personal lending, so Fabian. He's very, very good at this. It may have to come down to it being a unsecured personal loan, But if you extend the term out to the longest possible term frame and he might be able to do it so it's variable, so there may be less in the way of break cost and things like that. But I would be more than happy to put you in touch with Fabian if you like.\n\nI can do an email that introduces you to him and him to you. They'll touch base, have a chat. If you're comfortable with me in the email, I can put down that, you know, this is for this is gonna be your main primary residence down the track, that the goal is to access super to to to draw the funds out when Phil reaches 65 oh, sorry, 60. And then, you know, sort of give him a bit of context around what the loan purpose is and and the goal around that so they can maybe have more of a conversation, look at the borrowing capacity, and maybe look at what options they might have for lending. Does that sound right?\n\nOr Yep. Beautiful. Absolutely. Absolutely. Yeah.\n\nThey have those second tier lenders that might even just be appropriate for the time being to give you a lower interest rate knowing that you're gonna be able to pay this back at another time frame. I completely get it. Yeah. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Wow.\n\nThat is insane. Yeah. Yep. Yeah. And that'd be cool because you still have that time frame in the house.\n\nIf they've got that completed, you could have a bit of a test run, have a holiday somewhere and see how you like it, see what's, you know, feeling for you. Absolutely. Yeah. Yeah. Perfect.\n\nYep. Yeah. Yep. Yes. Yep.\n\nAbsolutely. Yep. Yep. Yep. Break free.\n\nYes. Yeah. Absolutely. Not a problem at all. Well, as soon as I get off this call, I'll do the email up with the introductions.\n\nIt'll come through straight away. Is it better if the broker makes contact with yourself, or is it better for Phil or both of you? What would be the best option for you at the moment? Yep. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nPerfect. Perfect. Mhmm. Mhmm. All all we need to do is I just need a date.\n\nSo, essentially, if he can email me and just say, hey. I'm gonna retire at this date, we can have the paperwork pre like, pre done so he can sign it on the date that he has chosen to retire, and we can submit that off to get the, to get the funds changed, the preservation changes very quickly. And then we we process the withdrawal on this end for you. So, yeah, I just need an email with the date that I'm planning. So he just needs to say, I'm planning to retire on this date, and that's all he needs to tell me and that he wants to proceed with the withdrawal of so much money.\n\nAnd that's all I need to know, and I can do the rest of it for you. Yep. Mhmm. So they will do the process very, very quickly. We will do the sell downs straight away once we've got everything ready to go.\n\nThe super fund normally takes about a day. So it's, like, one day to have it all ticked the the boxes ticked, the things all changed over so the funds are not turned to nonpreserved, unrestricted. And then from that, we process and withdraw everything here. It can take about a week or two depending on the buyers and sales and what the super fund has to do, but we can also sell the funds so they come out of maybe some investments and make it a faster process for you as well. And if we're not if yeah.\n\nAnd the other thing that's really cool is if we're not selling down more than 80% of the portfolio, like, it's only a smaller amount, then we can also get hub twenty four to allow us to withdraw those funds quicker. So they will do the the withdrawal prior to the investments all fully being sold down because they know they can recoup those funds later on down the track. So we've got that option. Yeah. Yeah.\n\nNo. That's perfectly fine. Just a little bit. Yeah. Yeah.\n\nAbsolutely. Yeah. Absolutely. No. Nice.\n\nEasy. And we don't even have to move him into pension. Once we've got the date, we can withdraw it straight out of the super fund to make it faster as well. So yeah. Yep.\n\nYou don't even have to let me know. You can. If you decide him to go back to work and he's had enough, there's no issues whatsoever. He can just go back to work. Anything that's unpreserved, nonrestricted at the time that he is retired remains unrestricted, nonpreserved.\n\nAnything that if he decides to get back to work at a later time and contributions start going back into the fund, those become re preserved until he meets the condition of release. The next condition of release is 65. Yeah. Yep. The nice nice easy process, and this is a simple email to me saying, I'm gonna retire this date.\n\nI need to withdraw this amount of money, and we can absolutely get that sorted. But we can even talk about that in the review when you guys come and we go through your annual review. We can look at what date you wanna retire and kinda get all of that, you know, ready to go and yeah. Yep. Yeah.\n\nYes. Yep. August. Yeah. We we'll probably even try and do it, like, a month before.\n\nSo that way, you're not having to wait right up until August. Yeah. We don't have to do it right at that particular month. We can do it maybe July if you want to or whenever it's convenient for you guys. So Yeah.\n\nPerfect. Yep. Perfect. Yeah. No.\n\nNot a problem at all. Well, I'll do the email up now so it introduces yourself to Fabian, Fabian to you. He normally sends an email saying, hey. What date and time is more appropriate? Did you want me to just let him know to give you a call sometime today or tomorrow?\n\nWhen do you think I should get him to give you a call? Still home? Yep. Yep. Yep.\n\nYep. Yep. No. Yeah. No.\n\nThat's okay. Yep. Beautiful. Lovely. I'll get him to give you a call then.\n\nHe can go through abs absolutely. Not a problem. I'll let him know. I'll give him some context in the email for you. It'll come through to both of you so you can see what I put in there.\n\nI'll get him just to give you a call, and he can talk about servicing, look at everything, you know, in-depth servicing wise for you and let you know what your options are. And then, yeah, just feel free to let me know what happens there and how it all goes. And if you have additional questions, just let me know. Yeah. That's okay.\n\nOh, that's good. I like that. Thank you. No. It'll be all good.\n\nIt's very exciting. I love it. It's fantastic. It's real. Yeah.\n\nYeah. Oh, not a problem. That's okay. I'll get that email to you right now. Not a problem at all of that.\n\nMy pleasure. I'll talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Yvette.","start":2.32,"end":2.96,"sentiment":"neutral","sentiment_score":0.17133933305740356},{"text":"It's Dana from Okey Financial.","start":2.96,"end":4.48,"sentiment":"neutral","sentiment_score":0.19725918173789977},{"text":"How are you today?","start":4.48,"end":5.46,"sentiment":"neutral","sentiment_score":0.24207211285829544},{"text":"Oh, thank you.","start":9.2,"end":9.92,"sentiment":"positive","sentiment_score":0.5803049802780151},{"text":"I did try.","start":9.92,"end":10.74,"sentiment":"positive","sentiment_score":0.38742170731226605}],"sentiment":"neutral","sentiment_score":0.3059084170004901,"num_words":17,"start":2.32,"end":10.74},{"sentences":[{"text":"All good.","start":14.884999,"end":15.625,"sentiment":"positive","sentiment_score":0.4316328912973404},{"text":"Hey, George.","start":15.684999,"end":16.085,"sentiment":"neutral","sentiment_score":0.0848289392888546},{"text":"I had you booked in for a bit of a cash out just in relation to some lending, I believe.","start":16.085,"end":20.244999,"sentiment":"neutral","sentiment_score":0.03324616877362132},{"text":"Is that right?","start":20.244999,"end":21.145,"sentiment":"neutral","sentiment_score":0.03155784929792086},{"text":"Yeah.","start":22.724998,"end":23.224998,"sentiment":"neutral","sentiment_score":0.003078620880842209}],"sentiment":"neutral","sentiment_score":0.06412854305069361,"num_words":28,"start":14.884999,"end":23.224998},{"sentences":[{"text":"Yeah.","start":26.980001,"end":27.480001,"sentiment":"neutral","sentiment_score":-0.0015168637037277222},{"text":"Yeah.","start":29.300001,"end":29.800001,"sentiment":"neutral","sentiment_score":-0.06668908149003983},{"text":"I'm so 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is.","start":177.15001,"end":177.71,"sentiment":"neutral","sentiment_score":-0.16565776616334915},{"text":"Yes.","start":177.71,"end":177.95,"sentiment":"neutral","sentiment_score":-0.07310076802968979}],"sentiment":"neutral","sentiment_score":-0.0489124304925402,"num_words":6,"start":160.635,"end":177.95},{"sentences":[{"text":"Because it's gonna be an unsecured loan, which makes it really difficult and very high and very risky for the bank.","start":177.95,"end":183.31,"sentiment":"neutral","sentiment_score":-0.16636971810034343},{"text":"So yeah.","start":183.31,"end":184.37001,"sentiment":"neutral","sentiment_score":-0.07391591370105743},{"text":"Yeah.","start":189.405,"end":189.905,"sentiment":"neutral","sentiment_score":-0.036776505410671234},{"text":"Yes.","start":194.205,"end":194.705,"sentiment":"neutral","sentiment_score":-0.007042482495307922},{"text":"Yes.","start":199.09999,"end":199.59999,"sentiment":"neutral","sentiment_score":0.014892302453517914}],"sentiment":"neutral","sentiment_score":-0.1411739458831457,"num_words":26,"start":177.95,"end":199.59999},{"sentences":[{"text":"Yeah.","start":199.81999,"end":200.31999,"sentiment":"neutral","sentiment_score":0.02047661691904068},{"text":"Yeah.","start":200.7,"end":201.2,"sentiment":"neutral","sentiment_score":0.031086312606930733},{"text":"Yeah.","start":209.915,"end":210.39499,"sentiment":"neutral","sentiment_score":0.0762547180056572},{"text":"Absolutely.","start":210.39499,"end":210.89499,"sentiment":"neutral","sentiment_score":0.15397408604621887},{"text":"Well, I know secured unsecured loans at the moment are going anywhere from 12 to 15% to 20 something just to percent depending on what you're looking at, which is phenomenally huge.","start":210.955,"end":220.89499,"sentiment":"neutral","sentiment_score":0.11460235365666449}],"sentiment":"neutral","sentiment_score":0.1096963069608642,"num_words":36,"start":199.81999,"end":220.89499},{"sentences":[{"text":"We absolutely do.","start":221.76999,"end":223.20999,"sentiment":"positive","sentiment_score":0.5071206490198771},{"text":"So we do have a mortgage broker who does personal lending, so Fabian.","start":223.20999,"end":227.79,"sentiment":"neutral","sentiment_score":0.3267479676466722},{"text":"He's very, very good at this.","start":227.84999,"end":229.47,"sentiment":"positive","sentiment_score":0.3562963381409645},{"text":"It may have to come down to it being a unsecured personal loan, But if you extend the term out to the longest possible term frame and he might be able to do it so it's variable, so there may be less in the way of break cost and things like that.","start":230.01,"end":245.285,"sentiment":"neutral","sentiment_score":0.05881905396325657},{"text":"But I would be more than happy to put you in touch with Fabian if you like.","start":246.465,"end":249.505,"sentiment":"positive","sentiment_score":0.349896854337524}],"sentiment":"neutral","sentiment_score":0.18586484489164182,"num_words":91,"start":221.76999,"end":249.505},{"sentences":[{"text":"I can do an email that introduces you to him and him to you.","start":249.505,"end":252.45999,"sentiment":"neutral","sentiment_score":0.2711364392723356},{"text":"They'll touch base, have a chat.","start":252.76,"end":254.7,"sentiment":"neutral","sentiment_score":0.18692986418803534},{"text":"If you're comfortable with me in the email, I can put down that, you know, this is for this is gonna be your main primary residence down the track, that the goal is to access super to to to draw the funds out when Phil reaches 65 oh, sorry, 60.","start":254.76,"end":268.23502,"sentiment":"neutral","sentiment_score":0.1982559621334076},{"text":"And then, you know, sort of give him a bit of context around what the loan purpose is and and the goal around that so they can maybe have more of a conversation, look at the borrowing capacity, and maybe look at what options they might have for lending.","start":268.45502,"end":281.9,"sentiment":"neutral","sentiment_score":0.11053049784837937},{"text":"Does that sound right?","start":281.96,"end":282.91998,"sentiment":"neutral","sentiment_score":0.0801090132445097}],"sentiment":"neutral","sentiment_score":0.16720908852975544,"num_words":123,"start":249.505,"end":282.91998},{"sentences":[{"text":"Or Yep.","start":282.91998,"end":284.94,"sentiment":"neutral","sentiment_score":0.1079489979892969},{"text":"Beautiful.","start":285.31998,"end":285.81998,"sentiment":"positive","sentiment_score":0.6444961428642273},{"text":"Absolutely.","start":290.19998,"end":290.69998,"sentiment":"neutral","sentiment_score":0.12620431184768677},{"text":"Absolutely.","start":291.96,"end":292.46,"sentiment":"neutral","sentiment_score":0.2000672817230225},{"text":"Yeah.","start":295.945,"end":296.445,"sentiment":"neutral","sentiment_score":0.09672997146844864}],"sentiment":"neutral","sentiment_score":0.21389928398032984,"num_words":6,"start":282.91998,"end":296.445},{"sentences":[{"text":"They have those second tier lenders that might even just be appropriate for the time being to give you a lower interest rate knowing that you're gonna be able to pay this back at another time frame.","start":297.385,"end":306.02502,"sentiment":"neutral","sentiment_score":0.23267839446261124},{"text":"I completely get 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is insane.","start":331.375,"end":332.35498,"sentiment":"neutral","sentiment_score":0.03996043714384238},{"text":"Yeah.","start":332.91,"end":333.41,"sentiment":"neutral","sentiment_score":0.06376975774765015},{"text":"Yep.","start":335.55002,"end":336.05002,"sentiment":"neutral","sentiment_score":-0.018005115911364555},{"text":"Yeah.","start":339.95,"end":340.45,"sentiment":"neutral","sentiment_score":-0.05113602429628372},{"text":"And that'd be cool because you still have that time frame in the house.","start":341.47,"end":344.51,"sentiment":"neutral","sentiment_score":0.2041765291775976}],"sentiment":"neutral","sentiment_score":0.14864906687289475,"num_words":20,"start":331.375,"end":344.51},{"sentences":[{"text":"If they've got that completed, you could have a bit of a test run, have a holiday somewhere and see how you like it, see what's, you know, feeling for you.","start":344.51,"end":352.865,"sentiment":"neutral","sentiment_score":0.1410523114665862},{"text":"Absolutely.","start":354.205,"end":354.705,"sentiment":"neutral","sentiment_score":0.11252361536026},{"text":"Yeah.","start":359.1,"end":359.6,"sentiment":"neutral","sentiment_score":0.0532916858792305},{"text":"Yeah.","start":360.86002,"end":361.36002,"sentiment":"neutral","sentiment_score":0.025451213121414185},{"text":"Perfect.","start":366.38,"end":366.88,"sentiment":"neutral","sentiment_score":0.18633979558944705}],"sentiment":"neutral","sentiment_score":0.13572079901184356,"num_words":35,"start":344.51,"end":366.88},{"sentences":[{"text":"Yep.","start":367.82,"end":368.32,"sentiment":"neutral","sentiment_score":-0.006703168153762817},{"text":"Yeah.","start":373.695,"end":374.195,"sentiment":"neutral","sentiment_score":-0.05908051133155823},{"text":"Yep.","start":374.815,"end":375.315,"sentiment":"neutral","sentiment_score":-0.026557620614767075},{"text":"Yes.","start":376.255,"end":376.755,"sentiment":"neutral","sentiment_score":0.08160419017076492},{"text":"Yep.","start":382.655,"end":383.155,"sentiment":"neutral","sentiment_score":0.14760112762451172}],"sentiment":"neutral","sentiment_score":0.027372803539037704,"num_words":5,"start":367.82,"end":383.155},{"sentences":[{"text":"Absolutely.","start":384.35,"end":384.85,"sentiment":"neutral","sentiment_score":0.138720765709877},{"text":"Yep.","start":386.99002,"end":387.49002,"sentiment":"neutral","sentiment_score":0.06115647405385971},{"text":"Yep.","start":389.39,"end":389.89,"sentiment":"neutral","sentiment_score":0.06813831627368927},{"text":"Yep.","start":393.87,"end":394.37,"sentiment":"neutral","sentiment_score":0.04175394028425217},{"text":"Break 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come through straight away.","start":407.085,"end":408.48,"sentiment":"neutral","sentiment_score":0.2399274617433548},{"text":"Is it better if the broker makes contact with yourself, or is it better for Phil or both of you?","start":409.1,"end":414.7,"sentiment":"neutral","sentiment_score":0.05059729721397162},{"text":"What would be the best option for you at the moment?","start":414.7,"end":416.96002,"sentiment":"neutral","sentiment_score":0.050549735061146996},{"text":"Yep.","start":422.79498,"end":423.29498,"sentiment":"neutral","sentiment_score":0.02702145092189312},{"text":"Yep.","start":423.91498,"end":424.41498,"sentiment":"neutral","sentiment_score":0.013718857429921629}],"sentiment":"neutral","sentiment_score":0.07390449071106941,"num_words":38,"start":407.085,"end":424.41498},{"sentences":[{"text":"Yeah.","start":429.51498,"end":429.755,"sentiment":"neutral","sentiment_score":0.006713049486279488},{"text":"Yeah.","start":429.755,"end":430.255,"sentiment":"neutral","sentiment_score":0.016444846987724304},{"text":"Yeah.","start":430.79498,"end":431.29498,"sentiment":"neutral","sentiment_score":0.013495197519659996},{"text":"Yeah.","start":436.41,"end":436.91,"sentiment":"neutral","sentiment_score":0.06743507832288742},{"text":"Yeah.","start":437.77002,"end":438.27002,"sentiment":"neutral","sentiment_score":0.10849471390247344}],"sentiment":"neutral","sentiment_score":0.042516577243804934,"num_words":5,"start":429.51498,"end":438.27002},{"sentences":[{"text":"Perfect.","start":439.13,"end":439.63,"sentiment":"positive","sentiment_score":0.7069611549377441},{"text":"Perfect.","start":440.49,"end":440.99,"sentiment":"positive","sentiment_score":0.7129876017570496},{"text":"Mhmm.","start":462.84,"end":463.34,"sentiment":"neutral","sentiment_score":0.0553278848528862},{"text":"Mhmm.","start":465.32,"end":465.82,"sentiment":"neutral","sentiment_score":0.05621955916285515},{"text":"All all we need to do is I just need a date.","start":467.80002,"end":471.29498,"sentiment":"neutral","sentiment_score":0.05657374579459429}],"sentiment":"neutral","sentiment_score":0.13814882189035416,"num_words":16,"start":439.13,"end":471.29498},{"sentences":[{"text":"So, essentially, if he can email me and just say, hey.","start":471.595,"end":475.435,"sentiment":"neutral","sentiment_score":0.056576207618821754},{"text":"I'm gonna retire at this date, we can have the paperwork pre like, pre done so he can sign it on the date that he has chosen to retire, and we can submit that off to get the, to get the funds changed, the preservation changes very quickly.","start":475.435,"end":490.83002,"sentiment":"neutral","sentiment_score":0.11226225621066988},{"text":"And then we we process the withdrawal on this end for you.","start":491.37,"end":494.65,"sentiment":"neutral","sentiment_score":0.0840067205329736},{"text":"So, yeah, I just need an email with the date that I'm planning.","start":494.65,"end":497.77,"sentiment":"neutral","sentiment_score":0.0924270276266795},{"text":"So he just needs to say, I'm planning to retire on this date, and that's all he needs to tell me and that he wants to proceed with the withdrawal of so much money.","start":497.77,"end":506.225,"sentiment":"neutral","sentiment_score":0.10622424522743505}],"sentiment":"neutral","sentiment_score":0.10027273665419069,"num_words":118,"start":471.595,"end":506.225},{"sentences":[{"text":"And that's all I need to know, and I can do the rest of it for you.","start":506.225,"end":509.52502,"sentiment":"neutral","sentiment_score":0.11853981368681964},{"text":"Yep.","start":510.86502,"end":511.36502,"sentiment":"neutral","sentiment_score":0.08015751093626022},{"text":"Mhmm.","start":513.36005,"end":513.86005,"sentiment":"neutral","sentiment_score":0.08792860805988312},{"text":"So they will do the process very, very quickly.","start":516.64,"end":519.38,"sentiment":"neutral","sentiment_score":0.18153710663318634},{"text":"We will do the sell downs straight away once we've got everything ready to go.","start":520.32,"end":524.805,"sentiment":"neutral","sentiment_score":0.1133812094728152}],"sentiment":"neutral","sentiment_score":0.12832128031309262,"num_words":43,"start":506.225,"end":524.805},{"sentences":[{"text":"The super fund normally takes about a day.","start":525.685,"end":527.52496,"sentiment":"neutral","sentiment_score":0.10491738375276327},{"text":"So it's, like, one day to have it all ticked the the boxes ticked, the things all changed over so the funds are not turned to nonpreserved, unrestricted.","start":527.52496,"end":535.625,"sentiment":"neutral","sentiment_score":0.08973544516733714},{"text":"And then from that, we process and withdraw everything here.","start":537.24,"end":541.5,"sentiment":"neutral","sentiment_score":0.08259494230151176},{"text":"It can take about a week or two depending on the buyers and sales and what the super fund has to do, but we can also sell the funds so they come out of maybe some investments and make it a faster process for you as well.","start":541.56,"end":554.595,"sentiment":"neutral","sentiment_score":0.17189349107285765},{"text":"And if we're not if yeah.","start":554.89496,"end":556.815,"sentiment":"neutral","sentiment_score":0.06506128795444965}],"sentiment":"neutral","sentiment_score":0.12774992692801687,"num_words":99,"start":525.685,"end":556.815},{"sentences":[{"text":"And the other thing that's really cool is if we're not selling down more than 80% of the portfolio, like, it's only a smaller amount, then we can also get hub twenty four to allow us to withdraw those funds quicker.","start":556.815,"end":567.99,"sentiment":"neutral","sentiment_score":0.2629075984402401},{"text":"So they will do the the withdrawal prior to the investments all fully being sold down because they know they can recoup those funds later on down the track.","start":567.99,"end":577.11,"sentiment":"neutral","sentiment_score":0.2998857308050682},{"text":"So we've got that option.","start":577.11,"end":579.93,"sentiment":"neutral","sentiment_score":0.10446051768958568},{"text":"Yeah.","start":581.79504,"end":582.29504,"sentiment":"neutral","sentiment_score":0.03799368068575859},{"text":"Yeah.","start":582.35504,"end":582.67505,"sentiment":"neutral","sentiment_score":0.02457517385482788}],"sentiment":"neutral","sentiment_score":0.26052946977123814,"num_words":77,"start":556.815,"end":582.67505},{"sentences":[{"text":"No.","start":582.67505,"end":582.835,"sentiment":"neutral","sentiment_score":0.015429552644491196},{"text":"That's perfectly fine.","start":582.835,"end":584.135,"sentiment":"neutral","sentiment_score":0.062426477670669556},{"text":"Just a little 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we don't even have to move him into pension.","start":593.81,"end":595.57,"sentiment":"neutral","sentiment_score":0.20761723071336746},{"text":"Once we've got the date, we can withdraw it straight out of the super fund to make it faster as well.","start":595.57,"end":600.13,"sentiment":"neutral","sentiment_score":0.24623251741840727},{"text":"So yeah.","start":600.13,"end":601.43,"sentiment":"neutral","sentiment_score":0.20588760823011398},{"text":"Yep.","start":601.73,"end":602.23,"sentiment":"neutral","sentiment_score":0.19938597083091736}],"sentiment":"neutral","sentiment_score":0.24093779027462006,"num_words":35,"start":593.57,"end":602.23},{"sentences":[{"text":"You don't even have to let me know.","start":606.625,"end":608.46497,"sentiment":"neutral","sentiment_score":0.13291241973638535},{"text":"You can.","start":608.46497,"end":609.125,"sentiment":"neutral","sentiment_score":0.26640646159648895},{"text":"If you decide him to go back to work and he's had enough, there's no issues whatsoever.","start":609.185,"end":613.045,"sentiment":"neutral","sentiment_score":0.2436439491370145},{"text":"He can just go back to work.","start":613.105,"end":614.645,"sentiment":"neutral","sentiment_score":0.30218555671828135},{"text":"Anything that's unpreserved, nonrestricted at the time that he is retired remains unrestricted, nonpreserved.","start":615.02496,"end":622.0,"sentiment":"neutral","sentiment_score":0.1324086034271334}],"sentiment":"neutral","sentiment_score":0.20223080752960718,"num_words":48,"start":606.625,"end":622.0},{"sentences":[{"text":"Anything that if he decides to get back to work at a later time and contributions start going back into the fund, those become re preserved until he meets the condition of release.","start":622.46,"end":631.42,"sentiment":"neutral","sentiment_score":0.011649576467320774},{"text":"The next condition of release is 65.","start":631.42,"end":633.68,"sentiment":"neutral","sentiment_score":-0.010231379685657365},{"text":"Yeah.","start":633.9,"end":634.4,"sentiment":"neutral","sentiment_score":0.08543306589126587},{"text":"Yep.","start":635.615,"end":635.775,"sentiment":"neutral","sentiment_score":0.30282819271087646},{"text":"The nice nice easy process, and this is a simple email to me saying, I'm gonna retire this date.","start":635.775,"end":641.795,"sentiment":"positive","sentiment_score":0.4202749517403151}],"sentiment":"neutral","sentiment_score":0.1423983886441002,"num_words":61,"start":622.46,"end":641.795},{"sentences":[{"text":"I need to withdraw this amount of money, and we can absolutely get that sorted.","start":641.935,"end":645.455,"sentiment":"positive","sentiment_score":0.3837360660235087},{"text":"But we can even talk about that in the review when you guys come and we go through your annual review.","start":645.455,"end":650.24,"sentiment":"neutral","sentiment_score":0.257963763106437},{"text":"We can look at what date you wanna retire and kinda get all of that, you know, ready to go and yeah.","start":650.24,"end":655.3,"sentiment":"neutral","sentiment_score":0.20178896662863818},{"text":"Yep.","start":657.04,"end":657.54,"sentiment":"neutral","sentiment_score":0.05975019186735153},{"text":"Yeah.","start":660.16,"end":660.66,"sentiment":"neutral","sentiment_score":0.02948905900120735}],"sentiment":"neutral","sentiment_score":0.26169794220477344,"num_words":60,"start":641.935,"end":660.66},{"sentences":[{"text":"Yes.","start":664.455,"end":664.85504,"sentiment":"neutral","sentiment_score":0.05509007349610329},{"text":"Yep.","start":664.85504,"end":665.255,"sentiment":"neutral","sentiment_score":0.04875103384256363},{"text":"August.","start":665.255,"end":665.755,"sentiment":"neutral","sentiment_score":0.04131396859884262},{"text":"Yeah.","start":666.135,"end":666.615,"sentiment":"neutral","sentiment_score":0.08141466975212097},{"text":"We we'll probably even try and do it, like, a month before.","start":666.615,"end":669.09503,"sentiment":"neutral","sentiment_score":0.11126325589915116}],"sentiment":"neutral","sentiment_score":0.09760805102996528,"num_words":16,"start":664.455,"end":669.09503},{"sentences":[{"text":"So that way, you're not having to wait right up until August.","start":669.09503,"end":672.635,"sentiment":"neutral","sentiment_score":0.0965613266453147},{"text":"Yeah.","start":673.015,"end":673.335,"sentiment":"neutral","sentiment_score":0.03966141864657402},{"text":"We don't have to do it right at that particular month.","start":673.335,"end":674.91,"sentiment":"neutral","sentiment_score":0.016400033608078957},{"text":"We can do it maybe July if you want to or whenever it's convenient for you guys.","start":674.91,"end":678.58997,"sentiment":"neutral","sentiment_score":0.06045809563468484},{"text":"So Yeah.","start":678.58997,"end":679.57,"sentiment":"neutral","sentiment_score":0.053681790828704834}],"sentiment":"neutral","sentiment_score":0.05846392826805281,"num_words":43,"start":669.09503,"end":679.57},{"sentences":[{"text":"Perfect.","start":680.19,"end":680.69,"sentiment":"neutral","sentiment_score":0.3233185410499573},{"text":"Yep.","start":684.19,"end":684.69,"sentiment":"neutral","sentiment_score":0.15181580185890198},{"text":"Perfect.","start":687.005,"end":687.505,"sentiment":"neutral","sentiment_score":0.2196345180273056},{"text":"Yeah.","start":688.28503,"end":688.78503,"sentiment":"neutral","sentiment_score":0.1685754358768463},{"text":"No.","start":689.085,"end":689.405,"sentiment":"neutral","sentiment_score":0.1421302855014801}],"sentiment":"neutral","sentiment_score":0.20109491646289826,"num_words":5,"start":680.19,"end":689.405},{"sentences":[{"text":"Not a problem at all.","start":689.405,"end":690.28503,"sentiment":"neutral","sentiment_score":0.17011671066284179},{"text":"Well, I'll do the email up now so it introduces yourself to Fabian, Fabian to you.","start":690.28503,"end":694.465,"sentiment":"neutral","sentiment_score":0.1130064562894404},{"text":"He normally sends an email saying, hey.","start":694.605,"end":696.765,"sentiment":"neutral","sentiment_score":0.055263157933950424},{"text":"What date and time is more appropriate?","start":696.765,"end":698.465,"sentiment":"neutral","sentiment_score":0.05046236089297703},{"text":"Did you want me to just let him know to give you a call sometime today or tomorrow?","start":699.06,"end":703.88,"sentiment":"neutral","sentiment_score":0.06459395753012763}],"sentiment":"neutral","sentiment_score":0.08606522115615178,"num_words":53,"start":689.405,"end":703.88},{"sentences":[{"text":"When do you think I should get him to give you a call?","start":704.02,"end":706.36,"sentiment":"neutral","sentiment_score":0.04511530210192387},{"text":"Still home?","start":708.5,"end":709.22003,"sentiment":"neutral","sentiment_score":0.03852612338960171},{"text":"Yep.","start":709.22003,"end":709.72003,"sentiment":"neutral","sentiment_score":0.034540288150310516},{"text":"Yep.","start":720.515,"end":720.755,"sentiment":"neutral","sentiment_score":0.01518402062356472},{"text":"Yep.","start":720.755,"end":721.255,"sentiment":"neutral","sentiment_score":0.013186631724238396}],"sentiment":"neutral","sentiment_score":0.040359006366795964,"num_words":18,"start":704.02,"end":721.255},{"sentences":[{"text":"Yep.","start":721.79504,"end":722.275,"sentiment":"neutral","sentiment_score":0.02158619463443756},{"text":"Yep.","start":722.275,"end":722.775,"sentiment":"neutral","sentiment_score":0.014148371294140816},{"text":"No.","start":724.76996,"end":725.26996,"sentiment":"neutral","sentiment_score":-0.04267072677612305},{"text":"Yeah.","start":726.29,"end":726.79,"sentiment":"neutral","sentiment_score":-0.003565681166946888},{"text":"No.","start":727.17,"end":727.49,"sentiment":"neutral","sentiment_score":-0.02824386954307556}],"sentiment":"neutral","sentiment_score":-0.007749142311513424,"num_words":5,"start":721.79504,"end":727.49},{"sentences":[{"text":"That's okay.","start":727.49,"end":728.38995,"sentiment":"neutral","sentiment_score":-0.009733914863318205},{"text":"Yep.","start":729.25,"end":729.75,"sentiment":"neutral","sentiment_score":0.07629109174013138},{"text":"Beautiful.","start":730.05,"end":730.55,"sentiment":"positive","sentiment_score":0.5095779299736023},{"text":"Lovely.","start":730.61,"end":731.00995,"sentiment":"positive","sentiment_score":0.4712874293327331},{"text":"I'll get him to give you a call then.","start":731.00995,"end":732.29,"sentiment":"neutral","sentiment_score":0.10986064705583784}],"sentiment":"neutral","sentiment_score":0.1447453174873122,"num_words":14,"start":727.49,"end":732.29},{"sentences":[{"text":"He can go through abs absolutely.","start":732.29,"end":735.17,"sentiment":"neutral","sentiment_score":0.1298180011411508},{"text":"Not a problem.","start":735.17,"end":735.73,"sentiment":"neutral","sentiment_score":0.16085906823476157},{"text":"I'll let him know.","start":735.73,"end":736.44995,"sentiment":"neutral","sentiment_score":0.10528366826474667},{"text":"I'll give him some context in the email for you.","start":736.44995,"end":738.795,"sentiment":"neutral","sentiment_score":0.07919691950082779},{"text":"It'll come through to both of you so you can see what I put in there.","start":739.195,"end":742.39496,"sentiment":"neutral","sentiment_score":0.08590085757896304}],"sentiment":"neutral","sentiment_score":0.09869237950979134,"num_words":39,"start":732.29,"end":742.39496},{"sentences":[{"text":"I'll get him just to give you a call, and he can talk about servicing, look at everything, you know, in-depth servicing wise for you and let you know what your options are.","start":742.39496,"end":749.615,"sentiment":"neutral","sentiment_score":0.08208836524775534},{"text":"And then, yeah, just feel free to let me know what happens there and how it all goes.","start":749.995,"end":753.95,"sentiment":"neutral","sentiment_score":0.044830497147308454},{"text":"And if you have additional questions, just let me know.","start":753.95,"end":756.61,"sentiment":"neutral","sentiment_score":0.026830769423395396},{"text":"Yeah.","start":756.75,"end":757.25,"sentiment":"neutral","sentiment_score":0.114539235830307},{"text":"That's okay.","start":760.19,"end":760.93,"sentiment":"positive","sentiment_score":0.42768363654613495}],"sentiment":"neutral","sentiment_score":0.07428248757787514,"num_words":64,"start":742.39496,"end":760.93},{"sentences":[{"text":"Oh, that's good.","start":763.485,"end":764.465,"sentiment":"positive","sentiment_score":0.4004323085149129},{"text":"I like that.","start":764.525,"end":765.325,"sentiment":"positive","sentiment_score":0.4819759130477905},{"text":"Thank you.","start":765.325,"end":766.065,"sentiment":"positive","sentiment_score":0.41484782099723816},{"text":"No.","start":766.685,"end":767.165,"sentiment":"neutral","sentiment_score":0.15332263708114624},{"text":"It'll be all good.","start":767.165,"end":768.125,"sentiment":"neutral","sentiment_score":0.239309411495924}],"sentiment":"positive","sentiment_score":0.35288312228826374,"num_words":13,"start":763.485,"end":768.125},{"sentences":[{"text":"It's very exciting.","start":768.125,"end":769.165,"sentiment":"positive","sentiment_score":0.5727691451708475},{"text":"I love it.","start":769.165,"end":769.725,"sentiment":"positive","sentiment_score":0.7087243795394897},{"text":"It's fantastic.","start":769.725,"end":770.385,"sentiment":"positive","sentiment_score":0.6725736558437347},{"text":"It's real.","start":776.06,"end":777.12,"sentiment":"neutral","sentiment_score":0.03634755685925484},{"text":"Yeah.","start":779.02,"end":779.52,"sentiment":"neutral","sentiment_score":0.04220711439847946}],"sentiment":"positive","sentiment_score":0.4822300103577701,"num_words":11,"start":768.125,"end":779.52},{"sentences":[{"text":"Yeah.","start":780.30005,"end":780.80005,"sentiment":"neutral","sentiment_score":0.16057485342025757},{"text":"Oh, not a problem.","start":782.94,"end":784.72003,"sentiment":"neutral","sentiment_score":0.06634846515953541},{"text":"That's okay.","start":785.02,"end":785.74,"sentiment":"positive","sentiment_score":0.39009609818458557},{"text":"I'll get that email to you right now.","start":785.74,"end":787.58,"sentiment":"positive","sentiment_score":0.36488980054855347},{"text":"Not a problem at all of that.","start":787.58,"end":789.2,"sentiment":"positive","sentiment_score":0.3494964007820402}],"sentiment":"neutral","sentiment_score":0.2987160963768309,"num_words":22,"start":780.30005,"end":789.2},{"sentences":[{"text":"My pleasure.","start":790.80896,"end":791.62897,"sentiment":"positive","sentiment_score":0.8238296508789062},{"text":"I'll talk to you soon.","start":791.68896,"end":792.8289,"sentiment":"positive","sentiment_score":0.4003358125686646},{"text":"See you later.","start":793.12897,"end":793.9489,"sentiment":"neutral","sentiment_score":0.3002263853947322},{"text":"Bye.","start":794.48895,"end":794.98895,"sentiment":"neutral","sentiment_score":-0.12271229177713394}],"sentiment":"positive","sentiment_score":0.4024822935461998,"num_words":11,"start":790.80896,"end":794.98895}]}}]},{"alternatives":[{"transcript":"Hello? Viv speaking. Hello. Good. You are so on time. It's crazy. Yeah. Yeah. Look. So oh my god. Alright. So firstly, the first thing that's happened, just to keep you updated, is I had a car accident about this Thursday two weeks ago. Potentially, my car will be written off. I just heard from RACQ today, and they said the the the repairs are looking very high, but I won't know for a little while. So that's number one thing. Obviously, we will get some money, and I'll just get some secondhand car to get us around, which is fine. But what I I really as you know, we've only got the lease on this place now until the March 1 year. And we've started the whole bus bill. We've given them pretty much all their money, all that sort of stuff. The costs are going up, which is expected. He's wanting a little bit more now to do the next bit before the costs go up, which which I totally understand. And with the fear of not having this place for that much longer, because I just got a feeling they wanna sell the place. Because when I asked for another two years, they said, no. We'll only give you one. And last time, it was not a problem and, you know, it was like, oh, I really I've got this really bad feeling that even if we ask for another six months, they're gonna say no. They wanna sell it. So we were looking at, well, what's the possibility of finding a broker of some sort that could get us a loan for the build, and we pay that as we go, like, whatever the repayments are. And when we get to April next year when Phil can access his money, we just pay it off. Or if they say it's a minimum one year or whatever it is, then we pay it for a year because if there's too many pay early payouts and I get all of that, then maybe that's something we can really look at. And I thought maybe you guys would know someone who can really kinda think outside the box as a broker that can see the big picture rather than you know, because personal loans are gonna cost us over a disgusting amount of interest. Like, we even just went online to ANZ, and it was like, oh my god. That was just scary. Correct. Correct. Yes. Yeah. Yeah. And and I get all that. I've been there. I've done that. I've done the banking. I I understand. But I just need someone who can really see that big picture and can see that we will have that money, but just not for another year. And can can they look at a lender that might be able to do it that, you know, it's not gonna be as as low as a home loan rate, but it might not be as high as a personal loan rate. Oh, Yes. Mhmm. Yeah. Yeah. Yeah. 100 percent. Yeah. Yeah. Exactly. Exactly. So having worked in a broker business, I know there are just so many options rather than just going to ANZ and that they've got so many other places that, you know, look at things like this. Exactly. Exactly. So, yeah, I would love to be able to speak to someone ASAP so that we know that we can go on with the next stage and say, hey. Here's that extra $20 or here's that $50 or here's that $75 or whatever to get it all done. Because the builder has said he could potentially have it done, you know, Christmas, January, the whole thing completed if we rather than waiting until April and then having another six to eight months, which we may not have. Exactly. And if there are any tweaks that needed to be made and, you know, really pull through the house and and what we want and get it straight into the bus and and get those final little bits and pieces sorted. So that's kinda where we're at. And I I did wanna flag it through you because I'm like, I don't know what else to do. I'm I'm at a bit of a I'm having a little bit of a panic moment, to be absolutely honest, because it's all just happening. So, yeah, if we can organize that and if you can give him, like, all the heads up, I'm no problems with that so that he knows. You know? We we are capable of paying back over the next twelve months the loan, but if we can take it out over as long as possible and then pay it back and have as as minimal break freeze a bake break fees as possible, that would be good too. Alright. Perfect. Oh, look. I I'm probably more accessible to receiving the phone call. That's why I work and just go, whereas he's driving, he can't. So, probably, I'm the contact. Probably know a little bit more about it than Phil does anyway and understand it a little bit better. Yeah. So, yeah, that would be great. The yeah. That would be amazing. The other question Phil had is to access it on his sixtieth birthday, for example, and his his work is all over it. But what sort of phone call, email what how do we tell people? Like, how do we tell you, his company, Super, ATO, that he's retiring and that he wants to access it from his sixtieth? Yep. Mhmm. Okay. Cool. Yep. Okay. And from from when that happens to being able to access it, it is like a week, two weeks, a month. Yeah. Yeah. Mhmm. Yeah. No. That's cool. So yeah. Okay. Cool. Because we don't wanna access we don't need to access all of it. Yeah. Like, we need to access yeah. Depending on what loan we can get to pay that back off. Yeah. That's pretty much what we're looking at. Yeah. Alright. Cool. Cool. Cool. Cool. Cool. Yeah. Cool. And then if he decides to go back to work three weeks later, do we just let you know? Or Yeah. Okay. Cool. Cool. Cool. Yep. That makes sense. Yeah. Yeah. I think our head, what do we actually have to do? But yeah. Yeah. Of course. We can we will sort that out because that's August or something, isn't it? Our review. Yeah. Yeah. Yeah. Alright. Yeah. Okay. Yep. So we'll go through Fabian first, see what he can do for us, and pray and hope that he can find to get this sorted. Yeah. That would be amazing. Alright. Yeah. Yep. Yeah. I'm I'm still home today, all day. But even even if it's, you know, if he doesn't have time today and if it's tomorrow during the week, just that's fine too. I'll just walk away from my but just let him know that if I don't answer straight away, I will call back. Yeah. Because if I'm with a customer, obviously, I can't just say, hey. Wait. I'm just gonna take this call. But yeah. But yeah. No. That's fine. That's fine. Yeah. But the sooner we can do it, the better. Yep. Yep. Yep. Oh, of course. Yeah. Yes. Yes. Yes. Perfect. Thank you so much. You're amazing. You always put my mind at rest. Yeah. Yeah. Yeah. Yeah. It's it's it's all starting, and I think it's just like, oh my god. I I hate not having that plan in place. I just need to know. And, yeah, this will definitely help. I appreciate it so much. Thank you. 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Viv speaking. Hello. Good. You are so on time.\n\nIt's crazy. Yeah. Yeah. Look. So oh my god.\n\nAlright. So firstly, the first thing that's happened, just to keep you updated, is I had a car accident about this Thursday two weeks ago. Potentially, my car will be written off. I just heard from RACQ today, and they said the the the repairs are looking very high, but I won't know for a little while. So that's number one thing.\n\nObviously, we will get some money, and I'll just get some secondhand car to get us around, which is fine. But what I I really as you know, we've only got the lease on this place now until the March 1 year. And we've started the whole bus bill. We've given them pretty much all their money, all that sort of stuff. The costs are going up, which is expected.\n\nHe's wanting a little bit more now to do the next bit before the costs go up, which which I totally understand. And with the fear of not having this place for that much longer, because I just got a feeling they wanna sell the place. Because when I asked for another two years, they said, no. We'll only give you one. And last time, it was not a problem and, you know, it was like, oh, I really I've got this really bad feeling that even if we ask for another six months, they're gonna say no.\n\nThey wanna sell it. So we were looking at, well, what's the possibility of finding a broker of some sort that could get us a loan for the build, and we pay that as we go, like, whatever the repayments are. And when we get to April next year when Phil can access his money, we just pay it off. Or if they say it's a minimum one year or whatever it is, then we pay it for a year because if there's too many pay early payouts and I get all of that, then maybe that's something we can really look at. And I thought maybe you guys would know someone who can really kinda think outside the box as a broker that can see the big picture rather than you know, because personal loans are gonna cost us over a disgusting amount of interest.\n\nLike, we even just went online to ANZ, and it was like, oh my god. That was just scary. Correct. Correct. Yes.\n\nYeah. Yeah. And and I get all that. I've been there. I've done that.\n\nI've done the banking. I I understand. But I just need someone who can really see that big picture and can see that we will have that money, but just not for another year. And can can they look at a lender that might be able to do it that, you know, it's not gonna be as as low as a home loan rate, but it might not be as high as a personal loan rate. Oh, Yes.\n\nMhmm. Yeah. Yeah. Yeah. 100 percent.\n\nYeah. Yeah. Exactly. Exactly. So having worked in a broker business, I know there are just so many options rather than just going to ANZ and that they've got so many other places that, you know, look at things like this.\n\nExactly. Exactly. So, yeah, I would love to be able to speak to someone ASAP so that we know that we can go on with the next stage and say, hey. Here's that extra $20 or here's that $50 or here's that $75 or whatever to get it all done. Because the builder has said he could potentially have it done, you know, Christmas, January, the whole thing completed if we rather than waiting until April and then having another six to eight months, which we may not have.\n\nExactly. And if there are any tweaks that needed to be made and, you know, really pull through the house and and what we want and get it straight into the bus and and get those final little bits and pieces sorted. So that's kinda where we're at. And I I did wanna flag it through you because I'm like, I don't know what else to do. I'm I'm at a bit of a I'm having a little bit of a panic moment, to be absolutely honest, because it's all just happening.\n\nSo, yeah, if we can organize that and if you can give him, like, all the heads up, I'm no problems with that so that he knows. You know? We we are capable of paying back over the next twelve months the loan, but if we can take it out over as long as possible and then pay it back and have as as minimal break freeze a bake break fees as possible, that would be good too. Alright. Perfect.\n\nOh, look. I I'm probably more accessible to receiving the phone call. That's why I work and just go, whereas he's driving, he can't. So, probably, I'm the contact. Probably know a little bit more about it than Phil does anyway and understand it a little bit better.\n\nYeah. So, yeah, that would be great. The yeah. That would be amazing. The other question Phil had is to access it on his sixtieth birthday, for example, and his his work is all over it.\n\nBut what sort of phone call, email what how do we tell people? Like, how do we tell you, his company, Super, ATO, that he's retiring and that he wants to access it from his sixtieth? Yep. Mhmm. Okay.\n\nCool. Yep. Okay. And from from when that happens to being able to access it, it is like a week, two weeks, a month. Yeah.\n\nYeah. Mhmm. Yeah. No. That's cool.\n\nSo yeah. Okay. Cool. Because we don't wanna access we don't need to access all of it. Yeah.\n\nLike, we need to access yeah. Depending on what loan we can get to pay that back off. Yeah. That's pretty much what we're looking at. Yeah.\n\nAlright. Cool. Cool. Cool. Cool.\n\nCool. Yeah. Cool. And then if he decides to go back to work three weeks later, do we just let you know? Or Yeah.\n\nOkay. Cool. Cool. Cool. Yep.\n\nThat makes sense. Yeah. Yeah. I think our head, what do we actually have to do? But yeah.\n\nYeah. Of course. We can we will sort that out because that's August or something, isn't it? Our review. Yeah.\n\nYeah. Yeah. Alright. Yeah. Okay.\n\nYep. So we'll go through Fabian first, see what he can do for us, and pray and hope that he can find to get this sorted. Yeah. That would be amazing. Alright.\n\nYeah. Yep. Yeah. I'm I'm still home today, all day. But even even if it's, you know, if he doesn't have time today and if it's tomorrow during the week, just that's fine too.\n\nI'll just walk away from my but just let him know that if I don't answer straight away, I will call back. Yeah. Because if I'm with a customer, obviously, I can't just say, hey. Wait. I'm just gonna take this call.\n\nBut yeah. But yeah. No. That's fine. That's fine.\n\nYeah. But the sooner we can do it, the better. Yep. Yep. Yep.\n\nOh, of course. Yeah. Yes. Yes. Yes.\n\nPerfect. Thank you so much. You're amazing. You always put my mind at rest. Yeah.\n\nYeah. Yeah. Yeah. It's it's it's all starting, and I think it's just like, oh my god. I I hate not having that plan in place.\n\nI just need to know. And, yeah, this will definitely help. I appreciate it so much. Thank you. Amazing.\n\nThanks, Donna. Thank you so much. Okay. Alright. You will.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.12,"sentiment":"neutral","sentiment_score":0.022204313427209858},{"text":"Viv speaking.","start":1.12,"end":1.86,"sentiment":"neutral","sentiment_score":0.04622912034392357},{"text":"Hello.","start":6.3999996,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.2773284912109375},{"text":"Good.","start":7.2,"end":7.6,"sentiment":"positive","sentiment_score":0.5980688333511353},{"text":"You are so on time.","start":7.6,"end":8.9,"sentiment":"positive","sentiment_score":0.6421955704689026}],"sentiment":"positive","sentiment_score":0.4201037731021643,"num_words":10,"start":0.64,"end":8.9},{"sentences":[{"text":"It's crazy.","start":10.32,"end":11.139999,"sentiment":"neutral","sentiment_score":0.3116442412137985},{"text":"Yeah.","start":11.84,"end":12.34,"sentiment":"neutral","sentiment_score":0.29235970973968506},{"text":"Yeah.","start":21.335,"end":21.835,"sentiment":"neutral","sentiment_score":0.009764902293682098},{"text":"Look.","start":22.135,"end":22.615,"sentiment":"neutral","sentiment_score":0.008356092497706413},{"text":"So oh my god.","start":22.615,"end":23.895,"sentiment":"neutral","sentiment_score":-0.03715446963906288}],"sentiment":"neutral","sentiment_score":0.08723903426693545,"num_words":9,"start":10.32,"end":23.895},{"sentences":[{"text":"Alright.","start":23.895,"end":24.215,"sentiment":"neutral","sentiment_score":0.021172598004341125},{"text":"So firstly, the first thing that's happened, just to keep you updated, is I had a car accident about this Thursday two weeks ago.","start":24.215,"end":34.6,"sentiment":"neutral","sentiment_score":-0.059720212851971155},{"text":"Potentially, my car will be written off.","start":35.46,"end":38.04,"sentiment":"negative","sentiment_score":-0.35851640360695974},{"text":"I just heard from RACQ today, and they said the the the repairs are looking very high, but I won't know for a little while.","start":39.3,"end":48.614998,"sentiment":"neutral","sentiment_score":-0.18525657445192337},{"text":"So that's number one thing.","start":48.614998,"end":50.934998,"sentiment":"neutral","sentiment_score":-0.05523350462317467}],"sentiment":"neutral","sentiment_score":-0.14240821322751035,"num_words":62,"start":23.895,"end":50.934998},{"sentences":[{"text":"Obviously, we will get some money, and I'll just get some secondhand car to get us around, which is fine.","start":50.934998,"end":57.675,"sentiment":"neutral","sentiment_score":-0.031049669906497},{"text":"But what I I really as you know, we've only got the lease on this place now until the March 1 year.","start":59.49,"end":69.51,"sentiment":"neutral","sentiment_score":-0.09618871506642211},{"text":"And we've started the whole bus bill.","start":69.73,"end":72.45,"sentiment":"neutral","sentiment_score":-0.11712531000375748},{"text":"We've given them pretty much all their money, all that sort of stuff.","start":72.45,"end":75.705,"sentiment":"neutral","sentiment_score":-0.17426047703394523},{"text":"The costs are going up, which is expected.","start":75.705,"end":79.005,"sentiment":"neutral","sentiment_score":-0.1295778900384903}],"sentiment":"neutral","sentiment_score":-0.09798616601952485,"num_words":70,"start":50.934998,"end":79.005},{"sentences":[{"text":"He's wanting a little bit more now to do the next bit before the costs go up, which which I totally understand.","start":80.665,"end":88.765,"sentiment":"neutral","sentiment_score":-0.1180985989895734},{"text":"And with the fear of not having this place for that much longer, because I just got a feeling they wanna sell the place.","start":90.71999,"end":98.34,"sentiment":"negative","sentiment_score":-0.46921315354605514},{"text":"Because when I asked for another two years, they said, no.","start":99.6,"end":102.0,"sentiment":"neutral","sentiment_score":-0.29221210154620086},{"text":"We'll only give you one.","start":102.0,"end":103.185,"sentiment":"neutral","sentiment_score":-0.2663411021232605},{"text":"And last time, it was not a problem and, you know, it was like, oh, I really I've got this really bad feeling that even if we ask for another six months, they're gonna say no.","start":104.945,"end":114.384995,"sentiment":"negative","sentiment_score":-0.4366933119793733}],"sentiment":"negative","sentiment_score":-0.3482273747118152,"num_words":98,"start":80.665,"end":114.384995},{"sentences":[{"text":"They wanna sell it.","start":114.384995,"end":115.604996,"sentiment":"negative","sentiment_score":-0.4964825510978699},{"text":"So we were looking at, well, what's the possibility of finding a broker of some sort that could get us a loan for the build, and we pay that as we go, like, whatever the repayments are.","start":118.43,"end":135.515,"sentiment":"neutral","sentiment_score":0.0728185621367113},{"text":"And when we get to April next year when Phil can access his money, we just pay it off.","start":135.515,"end":140.155,"sentiment":"neutral","sentiment_score":0.053827768681864986},{"text":"Or if they say it's a minimum one year or whatever it is, then we pay it for a year because if there's too many pay early payouts and I get all of that, then maybe that's something we can really look at.","start":140.155,"end":152.95001,"sentiment":"neutral","sentiment_score":0.010418250723633655},{"text":"And I thought maybe you guys would know someone who can really kinda think outside the box as a broker that can see the big picture rather than you know, because personal loans are gonna cost us over a disgusting amount of interest.","start":154.29001,"end":169.475,"sentiment":"neutral","sentiment_score":-0.06180474647255831}],"sentiment":"neutral","sentiment_score":-0.0032776377916540187,"num_words":146,"start":114.384995,"end":169.475},{"sentences":[{"text":"Like, we even just went online to ANZ, and it was like, oh my god.","start":171.695,"end":175.59,"sentiment":"neutral","sentiment_score":-0.1922044371565183},{"text":"That was just scary.","start":175.59,"end":176.81,"sentiment":"neutral","sentiment_score":-0.28656379878520966},{"text":"Correct.","start":180.62999,"end":181.12999,"sentiment":"neutral","sentiment_score":-0.10943903028964996},{"text":"Correct.","start":181.51,"end":182.01,"sentiment":"neutral","sentiment_score":-0.10262060165405272},{"text":"Yes.","start":182.62999,"end":183.12999,"sentiment":"neutral","sentiment_score":-0.13042303919792175}],"sentiment":"neutral","sentiment_score":-0.19871838289228352,"num_words":22,"start":171.695,"end":183.12999},{"sentences":[{"text":"Yeah.","start":183.98999,"end":184.31,"sentiment":"neutral","sentiment_score":-0.058138035237789154},{"text":"Yeah.","start":184.31,"end":184.62999,"sentiment":"neutral","sentiment_score":-0.04675838723778725},{"text":"And and I get all that.","start":184.62999,"end":185.90999,"sentiment":"neutral","sentiment_score":-0.07861046679317951},{"text":"I've been there.","start":185.90999,"end":186.54999,"sentiment":"neutral","sentiment_score":-0.06454100335637729},{"text":"I've done that.","start":186.54999,"end":187.03,"sentiment":"neutral","sentiment_score":-0.05255217353502909}],"sentiment":"neutral","sentiment_score":-0.06627419670777661,"num_words":14,"start":183.98999,"end":187.03},{"sentences":[{"text":"I've done the banking.","start":187.03,"end":187.90999,"sentiment":"neutral","sentiment_score":-0.0463277455419302},{"text":"I I understand.","start":187.90999,"end":188.79,"sentiment":"neutral","sentiment_score":-0.03983119875192642},{"text":"But I just need someone who can really see that big picture and can see that we will have that money, but just not for another year.","start":188.79,"end":198.69499,"sentiment":"neutral","sentiment_score":-0.04564218361068655},{"text":"And can can they look at a lender that might be able to do it that, you know, it's not gonna be as as low as a home loan rate, but it might not be as high as a personal loan rate.","start":199.31499,"end":210.03001,"sentiment":"neutral","sentiment_score":0.0010523227753028983},{"text":"Oh, Yes.","start":217.37001,"end":221.72499,"sentiment":"neutral","sentiment_score":0.28748995810747147}],"sentiment":"neutral","sentiment_score":-0.011768795681209901,"num_words":78,"start":187.03,"end":221.72499},{"sentences":[{"text":"Mhmm.","start":245.47,"end":245.97,"sentiment":"neutral","sentiment_score":0.1098494604229927},{"text":"Yeah.","start":252.775,"end":253.275,"sentiment":"neutral","sentiment_score":0.2171313613653183},{"text":"Yeah.","start":271.8,"end":272.12,"sentiment":"neutral","sentiment_score":0.06185397505760193},{"text":"Yeah.","start":272.12,"end":272.44,"sentiment":"neutral","sentiment_score":0.06209123879671097},{"text":"100 percent.","start":272.44,"end":273.34,"sentiment":"neutral","sentiment_score":0.0880926325917244}],"sentiment":"neutral","sentiment_score":0.10451855013767879,"num_words":6,"start":245.47,"end":273.34},{"sentences":[{"text":"Yeah.","start":283.325,"end":283.565,"sentiment":"neutral","sentiment_score":0.03862160071730614},{"text":"Yeah.","start":283.565,"end":283.965,"sentiment":"neutral","sentiment_score":0.06771720945835114},{"text":"Exactly.","start":283.965,"end":284.465,"sentiment":"neutral","sentiment_score":0.12794077396392822},{"text":"Exactly.","start":284.685,"end":285.185,"sentiment":"neutral","sentiment_score":0.2978365421295166},{"text":"So having worked in a broker business, I know there are just so many options rather than just going to ANZ and that they've got so many other places that, you know, look at things like this.","start":285.245,"end":297.12,"sentiment":"neutral","sentiment_score":0.1906734753299404}],"sentiment":"neutral","sentiment_score":0.18504962715797307,"num_words":41,"start":283.325,"end":297.12},{"sentences":[{"text":"Exactly.","start":306.895,"end":307.395,"sentiment":"neutral","sentiment_score":0.18840917944908145},{"text":"Exactly.","start":307.775,"end":308.275,"sentiment":"neutral","sentiment_score":0.12397464364767076},{"text":"So, yeah, I would love to be able to speak to someone ASAP so that we know that we can go on with the next stage and say, hey.","start":309.375,"end":316.68,"sentiment":"neutral","sentiment_score":0.2304218139114051},{"text":"Here's that extra $20 or here's that $50 or here's that $75 or whatever to get it all done.","start":316.82,"end":323.24,"sentiment":"neutral","sentiment_score":0.15609292293849744},{"text":"Because the builder has said he could potentially have it done, you know, Christmas, January, the whole thing completed if we rather than waiting until April and then having another six to eight months, which we may not have.","start":323.38,"end":341.055,"sentiment":"neutral","sentiment_score":0.05095495145099285}],"sentiment":"neutral","sentiment_score":0.13424297830278284,"num_words":89,"start":306.895,"end":341.055},{"sentences":[{"text":"Exactly.","start":350.73,"end":351.21,"sentiment":"neutral","sentiment_score":0.157252237200737},{"text":"And if there are any tweaks that needed to be made and, you know, really pull through the house and and what we want and get it straight into the bus and and get those final little bits and pieces sorted.","start":351.21,"end":362.245,"sentiment":"neutral","sentiment_score":0.07036482011217897},{"text":"So that's kinda where we're at.","start":362.245,"end":364.085,"sentiment":"neutral","sentiment_score":0.03136665125687917},{"text":"And I I did wanna flag it through you because I'm like, I don't know what else to do.","start":364.085,"end":369.045,"sentiment":"neutral","sentiment_score":0.032474883684986515},{"text":"I'm I'm at a bit of a I'm having a little bit of a panic moment, to be absolutely honest, because it's all just happening.","start":369.045,"end":375.78,"sentiment":"neutral","sentiment_score":-0.11583314061164857}],"sentiment":"neutral","sentiment_score":0.010343522218096516,"num_words":92,"start":350.73,"end":375.78},{"sentences":[{"text":"So, yeah, if we can organize that and if you can give him, like, all the heads up, I'm no problems with that so that he knows.","start":377.36,"end":386.46503,"sentiment":"neutral","sentiment_score":0.15318987132222564},{"text":"You know?","start":386.52502,"end":386.845,"sentiment":"neutral","sentiment_score":0.039064849726855755},{"text":"We we are capable of paying back over the next twelve months the loan, but if we can take it out over as long as possible and then pay it back and have as as minimal break freeze a bake break fees as possible, that would be good too.","start":386.845,"end":402.91998,"sentiment":"neutral","sentiment_score":0.08650217319325525},{"text":"Alright.","start":408.74,"end":409.06,"sentiment":"neutral","sentiment_score":0.22669969499111176},{"text":"Perfect.","start":409.06,"end":409.56,"sentiment":"neutral","sentiment_score":0.3104727268218994}],"sentiment":"neutral","sentiment_score":0.11237543916795403,"num_words":80,"start":377.36,"end":409.56},{"sentences":[{"text":"Oh, look.","start":417.25497,"end":417.91498,"sentiment":"neutral","sentiment_score":0.02368147298693657},{"text":"I I'm probably more accessible to receiving the phone call.","start":419.735,"end":423.675,"sentiment":"neutral","sentiment_score":0.023711497895419598},{"text":"That's why I work and just go, whereas he's driving, he can't.","start":425.01498,"end":428.84,"sentiment":"neutral","sentiment_score":-0.04570592031814158},{"text":"So, probably, I'm the contact.","start":428.84,"end":432.62,"sentiment":"neutral","sentiment_score":0.008740747906267643},{"text":"Probably know a little bit more about it than Phil does anyway and understand it a little bit better.","start":432.68,"end":437.5,"sentiment":"neutral","sentiment_score":0.019473522264314324}],"sentiment":"neutral","sentiment_score":0.0031189071596600115,"num_words":48,"start":417.25497,"end":437.5},{"sentences":[{"text":"Yeah.","start":437.87997,"end":438.28,"sentiment":"neutral","sentiment_score":0.13368213176727295},{"text":"So, yeah, that would be great.","start":438.28,"end":440.055,"sentiment":"positive","sentiment_score":0.4807353640596072},{"text":"The yeah.","start":441.815,"end":442.215,"sentiment":"positive","sentiment_score":0.621222972869873},{"text":"That would be amazing.","start":442.215,"end":443.595,"sentiment":"positive","sentiment_score":0.7608420997858047},{"text":"The other question Phil had is to access it on his sixtieth birthday, for example, and his his work is all over it.","start":444.695,"end":453.815,"sentiment":"neutral","sentiment_score":0.07240078841214595}],"sentiment":"neutral","sentiment_score":0.24914241095797884,"num_words":36,"start":437.87997,"end":453.815},{"sentences":[{"text":"But what sort of phone call, email what how do we tell people?","start":453.815,"end":460.12003,"sentiment":"neutral","sentiment_score":0.007176463993696066},{"text":"Like, how do we tell you, his company, Super, ATO, that he's retiring and that he wants to access it from his sixtieth?","start":460.12003,"end":468.22,"sentiment":"neutral","sentiment_score":0.037151185107295925},{"text":"Yep.","start":485.15,"end":485.65,"sentiment":"neutral","sentiment_score":0.10188204050064088},{"text":"Mhmm.","start":495.55,"end":495.79,"sentiment":"neutral","sentiment_score":0.07503341883420944},{"text":"Okay.","start":495.79,"end":496.11002,"sentiment":"neutral","sentiment_score":0.05869890749454498}],"sentiment":"neutral","sentiment_score":0.030343221954237193,"num_words":39,"start":453.815,"end":496.11002},{"sentences":[{"text":"Cool.","start":496.11002,"end":496.61002,"sentiment":"neutral","sentiment_score":0.13424678146839142},{"text":"Yep.","start":509.465,"end":509.785,"sentiment":"neutral","sentiment_score":0.0953943058848381},{"text":"Okay.","start":509.785,"end":510.285,"sentiment":"neutral","sentiment_score":0.09365472942590714},{"text":"And from from when that happens to being able to access it, it is like a week, two weeks, a month.","start":510.345,"end":515.9,"sentiment":"neutral","sentiment_score":0.09423372184946424},{"text":"Yeah.","start":519.88,"end":520.38,"sentiment":"neutral","sentiment_score":0.0964648425579071}],"sentiment":"neutral","sentiment_score":0.09594675272703171,"num_words":25,"start":496.11002,"end":520.38},{"sentences":[{"text":"Yeah.","start":525.0,"end":525.5,"sentiment":"neutral","sentiment_score":0.09034101665019988},{"text":"Mhmm.","start":536.415,"end":536.915,"sentiment":"neutral","sentiment_score":0.04115266352891922},{"text":"Yeah.","start":554.60504,"end":554.84503,"sentiment":"neutral","sentiment_score":0.056680113077163696},{"text":"No.","start":554.84503,"end":555.085,"sentiment":"neutral","sentiment_score":0.028792215511202812},{"text":"That's cool.","start":555.085,"end":555.565,"sentiment":"neutral","sentiment_score":0.09963952749967575}],"sentiment":"neutral","sentiment_score":0.06937417729447286,"num_words":6,"start":525.0,"end":555.565},{"sentences":[{"text":"So yeah.","start":555.565,"end":556.385,"sentiment":"neutral","sentiment_score":0.03337434306740761},{"text":"Okay.","start":577.43,"end":577.75,"sentiment":"neutral","sentiment_score":0.2551838159561157},{"text":"Cool.","start":577.75,"end":577.99,"sentiment":"positive","sentiment_score":0.33514171838760376},{"text":"Because we don't wanna access we don't need to access all of it.","start":577.99,"end":581.505,"sentiment":"neutral","sentiment_score":0.05618368605008492},{"text":"Yeah.","start":582.78503,"end":583.185,"sentiment":"neutral","sentiment_score":0.043569017201662064}],"sentiment":"neutral","sentiment_score":0.07950173090729448,"num_words":18,"start":555.565,"end":583.185},{"sentences":[{"text":"Like, we need to access yeah.","start":583.185,"end":584.705,"sentiment":"neutral","sentiment_score":0.044782210451861225},{"text":"Depending on what loan we can get to pay that back off.","start":584.705,"end":588.965,"sentiment":"neutral","sentiment_score":0.027819886182745297},{"text":"Yeah.","start":589.265,"end":589.505,"sentiment":"neutral","sentiment_score":0.17519235610961914},{"text":"That's pretty much what we're looking at.","start":589.505,"end":591.185,"sentiment":"neutral","sentiment_score":0.3314633624894278},{"text":"Yeah.","start":591.185,"end":591.685,"sentiment":"neutral","sentiment_score":0.14468184113502502}],"sentiment":"neutral","sentiment_score":0.12009813450276852,"num_words":27,"start":583.185,"end":591.685},{"sentences":[{"text":"Alright.","start":591.745,"end":592.225,"sentiment":"neutral","sentiment_score":0.2433072328567505},{"text":"Cool.","start":592.225,"end":592.465,"sentiment":"positive","sentiment_score":0.4254302978515625},{"text":"Cool.","start":592.465,"end":592.78503,"sentiment":"positive","sentiment_score":0.45196884870529175},{"text":"Cool.","start":592.78503,"end":593.025,"sentiment":"positive","sentiment_score":0.3781910538673401},{"text":"Cool.","start":593.025,"end":593.265,"sentiment":"positive","sentiment_score":0.4460864663124085}],"sentiment":"positive","sentiment_score":0.38899677991867065,"num_words":5,"start":591.745,"end":593.265},{"sentences":[{"text":"Cool.","start":593.265,"end":593.76,"sentiment":"positive","sentiment_score":0.577850878238678},{"text":"Yeah.","start":600.56,"end":600.88,"sentiment":"neutral","sentiment_score":0.2538343667984009},{"text":"Cool.","start":600.88,"end":601.38,"sentiment":"positive","sentiment_score":0.3483186662197113},{"text":"And then if he decides to go back to work three weeks later, do we just let you know?","start":601.68,"end":606.66003,"sentiment":"neutral","sentiment_score":0.1535436907096913},{"text":"Or Yeah.","start":606.8,"end":634.215,"sentiment":"neutral","sentiment_score":0.09344547241926193}],"sentiment":"neutral","sentiment_score":0.1785093741491437,"num_words":24,"start":593.265,"end":634.215},{"sentences":[{"text":"Okay.","start":634.215,"end":634.615,"sentiment":"neutral","sentiment_score":0.17912046611309052},{"text":"Cool.","start":634.615,"end":634.855,"sentiment":"positive","sentiment_score":0.530137836933136},{"text":"Cool.","start":634.855,"end":635.09503,"sentiment":"positive","sentiment_score":0.5830245614051819},{"text":"Cool.","start":635.09503,"end":635.415,"sentiment":"positive","sentiment_score":0.5383040904998779},{"text":"Yep.","start":635.415,"end":635.655,"sentiment":"positive","sentiment_score":0.3354306221008301}],"sentiment":"positive","sentiment_score":0.4332035154104233,"num_words":5,"start":634.215,"end":635.655},{"sentences":[{"text":"That makes sense.","start":635.655,"end":636.635,"sentiment":"positive","sentiment_score":0.5842516322930654},{"text":"Yeah.","start":655.65,"end":656.13,"sentiment":"neutral","sentiment_score":0.06362313777208328},{"text":"Yeah.","start":656.13,"end":656.63,"sentiment":"neutral","sentiment_score":0.059876006096601486},{"text":"I think our head, what do we actually have to do?","start":657.33,"end":659.32495,"sentiment":"neutral","sentiment_score":0.014875283126126636},{"text":"But yeah.","start":659.32495,"end":659.805,"sentiment":"neutral","sentiment_score":0.008356716949492693}],"sentiment":"neutral","sentiment_score":0.1142553105019033,"num_words":18,"start":635.655,"end":659.805},{"sentences":[{"text":"Yeah.","start":659.805,"end":659.96497,"sentiment":"neutral","sentiment_score":0.016465727239847183},{"text":"Of course.","start":659.96497,"end":660.365,"sentiment":"neutral","sentiment_score":0.02313376497477293},{"text":"We can we will sort that out because that's August or something, isn't it?","start":660.365,"end":663.665,"sentiment":"neutral","sentiment_score":0.029708381742239},{"text":"Our review.","start":664.845,"end":665.565,"sentiment":"neutral","sentiment_score":0.033627647906541824},{"text":"Yeah.","start":665.565,"end":665.885,"sentiment":"neutral","sentiment_score":0.06213553994894028}],"sentiment":"neutral","sentiment_score":0.03040207186713815,"num_words":20,"start":659.805,"end":665.885},{"sentences":[{"text":"Yeah.","start":665.885,"end":666.125,"sentiment":"neutral","sentiment_score":0.0654371902346611},{"text":"Yeah.","start":666.125,"end":666.625,"sentiment":"neutral","sentiment_score":0.07141244411468506},{"text":"Alright.","start":666.685,"end":667.185,"sentiment":"neutral","sentiment_score":0.11854706704616548},{"text":"Yeah.","start":678.69,"end":679.09,"sentiment":"neutral","sentiment_score":0.05465756356716156},{"text":"Okay.","start":679.09,"end":679.49,"sentiment":"neutral","sentiment_score":0.09215991944074632}],"sentiment":"neutral","sentiment_score":0.0804428368806839,"num_words":5,"start":665.885,"end":679.49},{"sentences":[{"text":"Yep.","start":679.49,"end":679.99,"sentiment":"neutral","sentiment_score":0.12313088029623032},{"text":"So we'll go through Fabian first, see what he can do for us, and pray and hope that he can find to get this sorted.","start":680.05,"end":687.61505,"sentiment":"neutral","sentiment_score":0.21305951416492463},{"text":"Yeah.","start":687.61505,"end":687.775,"sentiment":"positive","sentiment_score":0.3558238744735718},{"text":"That would be amazing.","start":687.775,"end":688.755,"sentiment":"positive","sentiment_score":0.5141392052173615},{"text":"Alright.","start":690.49506,"end":690.99506,"sentiment":"neutral","sentiment_score":0.0947972759604454}],"sentiment":"neutral","sentiment_score":0.24864989705383778,"num_words":32,"start":679.49,"end":690.99506},{"sentences":[{"text":"Yeah.","start":694.73505,"end":695.23505,"sentiment":"neutral","sentiment_score":0.06662294268608093},{"text":"Yep.","start":698.815,"end":699.315,"sentiment":"neutral","sentiment_score":0.06339358538389206},{"text":"Yeah.","start":705.88995,"end":706.38995,"sentiment":"neutral","sentiment_score":0.05466350167989731},{"text":"I'm I'm still home today, all day.","start":706.52997,"end":708.94995,"sentiment":"neutral","sentiment_score":0.053728918944086344},{"text":"But even even if it's, you know, if he doesn't have time today and if it's tomorrow during the week, just that's fine too.","start":709.32996,"end":715.855,"sentiment":"neutral","sentiment_score":0.012327801222757747}],"sentiment":"neutral","sentiment_score":0.025195579167784136,"num_words":34,"start":694.73505,"end":715.855},{"sentences":[{"text":"I'll just walk away from my but just let him know that if I don't answer straight away, I will call back.","start":715.855,"end":721.555,"sentiment":"neutral","sentiment_score":0.0073121518997306175},{"text":"Yeah.","start":721.695,"end":721.935,"sentiment":"neutral","sentiment_score":0.02169614285230637},{"text":"Because if I'm with a customer, obviously, I can't just say, hey.","start":721.935,"end":724.575,"sentiment":"neutral","sentiment_score":0.005032933472345273},{"text":"Wait.","start":724.575,"end":724.815,"sentiment":"neutral","sentiment_score":-0.014642714522778988},{"text":"I'm just gonna take this call.","start":724.815,"end":726.095,"sentiment":"neutral","sentiment_score":-0.02256216077754895}],"sentiment":"neutral","sentiment_score":0.002212928741105965,"num_words":42,"start":715.855,"end":726.095},{"sentences":[{"text":"But yeah.","start":726.095,"end":726.87,"sentiment":"neutral","sentiment_score":-0.005936841946095228},{"text":"But yeah.","start":727.67,"end":728.15,"sentiment":"neutral","sentiment_score":-0.0037237829528748998},{"text":"No.","start":728.15,"end":728.39,"sentiment":"neutral","sentiment_score":-0.0016237590461969376},{"text":"That's fine.","start":728.39,"end":728.95,"sentiment":"neutral","sentiment_score":0.038234252482652664},{"text":"That's fine.","start":728.95,"end":729.77,"sentiment":"neutral","sentiment_score":0.1148415207862854}],"sentiment":"neutral","sentiment_score":0.03168961529930433,"num_words":9,"start":726.095,"end":729.77},{"sentences":[{"text":"Yeah.","start":731.51,"end":731.67,"sentiment":"neutral","sentiment_score":0.07213619351387024},{"text":"But the sooner we can do it, the better.","start":731.67,"end":733.93,"sentiment":"neutral","sentiment_score":0.12407234725024965},{"text":"Yep.","start":739.045,"end":739.545,"sentiment":"neutral","sentiment_score":0.08684012293815613},{"text":"Yep.","start":749.765,"end":749.84503,"sentiment":"neutral","sentiment_score":0.04236254096031189},{"text":"Yep.","start":749.84503,"end":750.34503,"sentiment":"neutral","sentiment_score":0.040161773562431335}],"sentiment":"neutral","sentiment_score":0.1044732120174628,"num_words":13,"start":731.51,"end":750.34503},{"sentences":[{"text":"Oh, of course.","start":753.36005,"end":754.0,"sentiment":"neutral","sentiment_score":0.049953680485486984},{"text":"Yeah.","start":754.0,"end":754.24005,"sentiment":"neutral","sentiment_score":0.024362172931432724},{"text":"Yes.","start":754.24005,"end":754.48004,"sentiment":"neutral","sentiment_score":0.020686009898781776},{"text":"Yes.","start":754.48004,"end":754.72003,"sentiment":"neutral","sentiment_score":0.019271347671747208},{"text":"Yes.","start":754.72003,"end":755.22003,"sentiment":"neutral","sentiment_score":0.017142396420240402}],"sentiment":"neutral","sentiment_score":0.03304613833980901,"num_words":7,"start":753.36005,"end":755.22003},{"sentences":[{"text":"Perfect.","start":757.44,"end":757.94,"sentiment":"positive","sentiment_score":0.4564042091369629},{"text":"Thank you so much.","start":758.16003,"end":759.68005,"sentiment":"positive","sentiment_score":0.5526445358991623},{"text":"You're amazing.","start":759.68005,"end":760.58,"sentiment":"positive","sentiment_score":0.6003894805908203},{"text":"You always put my mind at rest.","start":760.96,"end":762.98004,"sentiment":"positive","sentiment_score":0.37381608145577566},{"text":"Yeah.","start":765.60004,"end":766.10004,"sentiment":"neutral","sentiment_score":0.1706218123435974}],"sentiment":"positive","sentiment_score":0.443673046429952,"num_words":15,"start":757.44,"end":766.10004},{"sentences":[{"text":"Yeah.","start":766.32,"end":766.82,"sentiment":"neutral","sentiment_score":0.14623886346817017},{"text":"Yeah.","start":770.875,"end":771.355,"sentiment":"neutral","sentiment_score":0.17263579368591309},{"text":"Yeah.","start":771.355,"end":771.755,"sentiment":"neutral","sentiment_score":0.11409838497638702},{"text":"It's it's it's all starting, and I think it's just like, oh my god.","start":771.755,"end":775.595,"sentiment":"neutral","sentiment_score":0.09020097819822175},{"text":"I I hate not having that plan in place.","start":775.595,"end":778.235,"sentiment":"neutral","sentiment_score":0.03140130928821034}],"sentiment":"neutral","sentiment_score":0.07609225078844108,"num_words":26,"start":766.32,"end":778.235},{"sentences":[{"text":"I just need to know.","start":778.235,"end":779.695,"sentiment":"neutral","sentiment_score":0.04173642918467522},{"text":"And, yeah, this will definitely help.","start":779.99,"end":782.23,"sentiment":"positive","sentiment_score":0.38758937021096546},{"text":"I appreciate it so much.","start":782.23,"end":783.99,"sentiment":"positive","sentiment_score":0.3336425185203552},{"text":"Thank you.","start":783.99,"end":784.73,"sentiment":"neutral","sentiment_score":0.011569073423743248},{"text":"Amazing.","start":788.79,"end":789.26996,"sentiment":"positive","sentiment_score":0.8536214828491211}],"sentiment":"neutral","sentiment_score":0.2673258204993449,"num_words":19,"start":778.235,"end":789.26996},{"sentences":[{"text":"Thanks, Donna.","start":789.26996,"end":790.17,"sentiment":"positive","sentiment_score":0.840719997882843},{"text":"Thank you so much.","start":790.23,"end":791.29,"sentiment":"positive","sentiment_score":0.8899196535348892},{"text":"Okay.","start":792.06995,"end":792.56995,"sentiment":"positive","sentiment_score":0.38081854581832886},{"text":"Alright.","start":792.94995,"end":793.26996,"sentiment":"neutral","sentiment_score":0.23095254600048065},{"text":"You will.","start":793.26996,"end":793.75,"sentiment":"neutral","sentiment_score":0.21582090109586716}],"sentiment":"positive","sentiment_score":0.6284531503915787,"num_words":10,"start":789.26996,"end":793.75},{"sentences":[{"text":"Bye bye.","start":793.75,"end":794.37885,"sentiment":"neutral","sentiment_score":0.10763107612729073}],"sentiment":"neutral","sentiment_score":0.10763107612729073,"num_words":2,"start":793.75,"end":794.37885}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Viv speaking.\n\nChannel 0: Hi, Yvette. It's Dana from Okey Financial. How are you today?\n\nChannel 1: Hello. Good. You are so on time.\n\nChannel 0: Oh, thank you. I did try.\n\nChannel 1: It's crazy. Yeah.\n\nChannel 0: All good. Hey, George. I had you booked in for a bit of a cash out just in relation to some lending, I believe. Is that right?\n\nChannel 1: Yeah. Look. So\n\nChannel 0: Yeah.\n\nChannel 1: oh my god. Alright. So firstly, the first thing\n\nChannel 0: Yeah.\n\nChannel 1: that's happened, just to keep you updated, is I\n\nChannel 0: Yeah.\n\nChannel 1: had a car accident about this Thursday two weeks ago.\n\nChannel 0: I'm\n\nChannel 1: Potentially,\n\nChannel 0: so sorry.\n\nChannel 1: my car will be written off.\n\nChannel 0: Yeah.\n\nChannel 1: I just heard from RACQ today, and they said the the the repairs are looking very high, but I\n\nChannel 0: Yep.\n\nChannel 1: won't know for a little while. So\n\nChannel 0: Yep.\n\nChannel 1: that's number one thing. Obviously, we will get some money, and I'll just get some secondhand car to get\n\nChannel 0: Yeah.\n\nChannel 1: us around, which is fine.\n\nChannel 0: Yeah.\n\nChannel 1: But what I I really as you know, we've only got the lease on this place now until the March 1 year.\n\nChannel 0: Yes.\n\nChannel 1: And we've started the whole bus bill. We've given them pretty much all their money, all that sort of stuff. The costs\n\nChannel 0: Yep.\n\nChannel 1: are going up, which is\n\nChannel 0: Yep.\n\nChannel 1: expected.\n\nChannel 0: Yep.\n\nChannel 1: He's wanting a little bit more now to do the next bit before the costs go up,\n\nChannel 0: Right.\n\nChannel 1: which which I totally understand.\n\nChannel 0: Yep.\n\nChannel 1: And with the fear of not having this place for that much longer, because I just got a feeling they wanna sell the place.\n\nChannel 0: Yep.\n\nChannel 1: Because when I asked for another two years, they said, no. We'll only give you one.\n\nChannel 0: Right.\n\nChannel 1: And last time, it was not a problem and, you know, it was like, oh, I really I've got this really bad feeling that even if we ask for another six months, they're gonna say no. They wanna sell it.\n\nChannel 0: Yeah.\n\nChannel 1: So we were looking at, well, what's the possibility of finding a broker of some sort that could get us a loan for the build,\n\nChannel 0: Yep.\n\nChannel 1: and we pay that as we go,\n\nChannel 0: Yep.\n\nChannel 1: like,\n\nChannel 0: Yes.\n\nChannel 1: whatever the repayments are. And when we get to April next year when Phil can access his money, we just pay it off. Or if they say it's a minimum one year or whatever\n\nChannel 0: Yep.\n\nChannel 1: it is,\n\nChannel 0: Yeah.\n\nChannel 1: then we pay it for a year because if there's too many pay early payouts and I get all of that,\n\nChannel 0: Yep.\n\nChannel 1: then maybe that's something we can really look at.\n\nChannel 0: Yeah.\n\nChannel 1: And I thought maybe you guys would know someone who can really kinda think outside the box as a broker\n\nChannel 0: Absolutely. Yes.\n\nChannel 1: that\n\nChannel 0: Yep.\n\nChannel 1: can see the big picture rather than\n\nChannel 0: Yes.\n\nChannel 1: you know, because personal loans are gonna cost us over a disgusting amount of interest. Like, we even just went online to ANZ, and it was like, oh my god. That was just scary.\n\nChannel 0: It is. Yes. Because it's gonna be an unsecured loan, which makes it really difficult\n\nChannel 1: Correct.\n\nChannel 0: and very\n\nChannel 1: Correct.\n\nChannel 0: high and very risky\n\nChannel 1: Yes.\n\nChannel 0: for the bank. So yeah.\n\nChannel 1: Yeah. Yeah. And and I get all that. I've been there. I've done that.\n\nI've done the banking. I I understand. But I just need\n\nChannel 0: Yeah.\n\nChannel 1: someone who can really see that big picture and\n\nChannel 0: Yes.\n\nChannel 1: can see that we will have that money, but just not for another year.\n\nChannel 0: Yes.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: can can\n\nChannel 0: Yeah.\n\nChannel 1: they look at a lender that might be able to do it that, you know, it's not gonna be as as low as a home loan rate, but it might not be as high as a personal loan rate.\n\nChannel 0: Yeah. Absolutely. Well, I know secured unsecured loans at the moment are going anywhere from 12 to 15% to 20 something just to percent\n\nChannel 1: Oh,\n\nChannel 0: depending on what you're looking at, which is phenomenally huge.\n\nChannel 1: Yes.\n\nChannel 0: We absolutely do. So we do have a mortgage broker who does personal lending, so Fabian. He's very, very good at this. It may have to come down to it being a unsecured personal loan, But if you extend the term out to the longest possible term frame and he might be able to do it so it's variable, so there may be less in the way of break cost and things like that.\n\nChannel 1: Mhmm.\n\nChannel 0: But I would be more than happy to put you in touch with Fabian if you like. I can do an email that introduces you to him and him to you. They'll\n\nChannel 1: Yeah.\n\nChannel 0: touch base, have a chat. If you're comfortable with me in the email, I can put down that, you know, this is for this is gonna be your main primary residence down the track, that the goal is to access super to to to draw the funds out when Phil reaches 65 oh, sorry, 60. And then, you know, sort of give him a bit of context around\n\nChannel 1: Yeah.\n\nChannel 0: what\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: 100\n\nChannel 0: loan purpose\n\nChannel 1: percent.\n\nChannel 0: is and and the goal around that so they can maybe have more of a conversation, look at the borrowing capacity, and maybe look at what options they might have for lending. Does that sound right? Or\n\nChannel 1: Yeah. Yeah. Exactly.\n\nChannel 0: Yep.\n\nChannel 1: Exactly. So\n\nChannel 0: Beautiful.\n\nChannel 1: having worked in a broker business, I know there are just so many options rather than just\n\nChannel 0: Absolutely.\n\nChannel 1: going to ANZ and that\n\nChannel 0: Absolutely.\n\nChannel 1: they've got so many other places that, you know, look at\n\nChannel 0: Yeah.\n\nChannel 1: things like this.\n\nChannel 0: They have those second tier lenders that might even just be appropriate for the time being to give you a lower interest rate knowing that you're gonna be able to pay this back at another time frame. I completely\n\nChannel 1: Exactly.\n\nChannel 0: get it. Yeah.\n\nChannel 1: Exactly.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: So, yeah, I would love to be able to speak to someone ASAP\n\nChannel 0: Yep.\n\nChannel 1: so that we know that we can go on with the next stage and say,\n\nChannel 0: Yep.\n\nChannel 1: hey. Here's that extra $20 or here's that $50 or here's that $75 or\n\nChannel 0: Yep.\n\nChannel 1: whatever to get it all done. Because\n\nChannel 0: Yep.\n\nChannel 1: the builder has said he could potentially have it done, you know, Christmas, January, the whole thing\n\nChannel 0: Wow.\n\nChannel 1: completed if\n\nChannel 0: That\n\nChannel 1: we\n\nChannel 0: is insane. Yeah.\n\nChannel 1: rather than waiting until\n\nChannel 0: Yep.\n\nChannel 1: April and then having another six to eight months, which we may\n\nChannel 0: Yeah.\n\nChannel 1: not have.\n\nChannel 0: And that'd be cool because you still have that time frame in the house. If they've got that completed, you could have a bit of a test run, have a holiday somewhere and see how you like it,\n\nChannel 1: Exactly.\n\nChannel 0: see what's,\n\nChannel 1: And\n\nChannel 0: you\n\nChannel 1: if\n\nChannel 0: know,\n\nChannel 1: there are any\n\nChannel 0: feeling\n\nChannel 1: tweaks\n\nChannel 0: for you.\n\nChannel 1: that needed to be made and,\n\nChannel 0: Absolutely.\n\nChannel 1: you know, really pull through the house and and what we want and get it straight into the bus\n\nChannel 0: Yeah.\n\nChannel 1: and and get those final little\n\nChannel 0: Yeah.\n\nChannel 1: bits and pieces sorted. So that's kinda where we're at. And I I did wanna flag it\n\nChannel 0: Perfect.\n\nChannel 1: through you because I'm like, I\n\nChannel 0: Yep.\n\nChannel 1: don't know what else to do. I'm I'm at a bit of a I'm having a little bit of a panic moment, to be absolutely\n\nChannel 0: Yeah.\n\nChannel 1: honest, because it's all\n\nChannel 0: Yep.\n\nChannel 1: just happening.\n\nChannel 0: Yes.\n\nChannel 1: So, yeah, if we can organize that and if you can give him, like, all the heads up, I'm\n\nChannel 0: Yep.\n\nChannel 1: no problems with that\n\nChannel 0: Absolutely.\n\nChannel 1: so that he knows. You know? We\n\nChannel 0: Yep.\n\nChannel 1: we are capable of paying back over\n\nChannel 0: Yep.\n\nChannel 1: the next twelve months the loan, but if we can take it out over as long as possible and then\n\nChannel 0: Yep.\n\nChannel 1: pay it back and have as as minimal break freeze a bake break fees\n\nChannel 0: Break free.\n\nChannel 1: as\n\nChannel 0: Yes.\n\nChannel 1: possible,\n\nChannel 0: Yeah.\n\nChannel 1: that would\n\nChannel 0: Absolutely.\n\nChannel 1: be good too.\n\nChannel 0: Not a problem at all. Well, as soon as I get off this call, I'll do the email up with the introductions. It'll come through straight away.\n\nChannel 1: Alright. Perfect.\n\nChannel 0: Is it better if the broker makes contact with yourself, or is it better for Phil or both of you? What would be the best option for you at the moment?\n\nChannel 1: Oh, look. I I'm probably more accessible to receiving the\n\nChannel 0: Yep.\n\nChannel 1: phone call.\n\nChannel 0: Yep.\n\nChannel 1: That's why I work and just go, whereas he's driving, he can't. So,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: probably,\n\nChannel 0: Yeah.\n\nChannel 1: I'm the contact. Probably know a little bit more about it than Phil does anyway and understand it\n\nChannel 0: Yeah.\n\nChannel 1: a little bit better.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So, yeah, that would\n\nChannel 0: Perfect.\n\nChannel 1: be great.\n\nChannel 0: Perfect.\n\nChannel 1: The yeah. That would be amazing. The other question Phil had is to access it on his sixtieth birthday, for example, and his his work is all over it. But what sort of phone call, email what how do we tell people? Like, how do we tell you, his company,\n\nChannel 0: Mhmm.\n\nChannel 1: Super, ATO, that he's\n\nChannel 0: Mhmm.\n\nChannel 1: retiring and that he wants to access it from his sixtieth?\n\nChannel 0: All all we need to do is I just need a date. So, essentially, if he can email me and just say, hey. I'm gonna retire at this date, we can have the paperwork pre like, pre done so he can sign it on the date that he has chosen to retire, and we can submit\n\nChannel 1: Yep.\n\nChannel 0: that off to get the, to get the funds changed, the preservation changes very quickly. And then we we process the withdrawal on this end for you. So, yeah,\n\nChannel 1: Mhmm.\n\nChannel 0: I just\n\nChannel 1: Okay.\n\nChannel 0: need an\n\nChannel 1: Cool.\n\nChannel 0: email with the date that I'm planning. So he just needs to say, I'm planning to retire on this date, and that's all he needs to tell me and that he wants to proceed with the withdrawal of so much money. And that's all I need to know, and I can do the rest of it for you.\n\nChannel 1: Yep. Okay. And from\n\nChannel 0: Yep.\n\nChannel 1: from when that happens to being able\n\nChannel 0: Mhmm.\n\nChannel 1: to access it, it is like a week, two weeks, a month.\n\nChannel 0: So they will do the process very, very quickly.\n\nChannel 1: Yeah.\n\nChannel 0: We will do the sell downs straight away once we've got everything ready to go.\n\nChannel 1: Yeah.\n\nChannel 0: The super fund normally takes about a day. So it's, like, one day to have it all ticked the the boxes ticked, the things all changed over so the funds are not turned to nonpreserved, unrestricted.\n\nChannel 1: Mhmm.\n\nChannel 0: And then from that, we process and withdraw everything here. It can take about a week or two depending on the buyers and sales and what the super fund has to do, but we can also sell the funds so they come out of maybe some investments and make it a faster process for you as well.\n\nChannel 1: Yeah. No.\n\nChannel 0: And if\n\nChannel 1: That's\n\nChannel 0: we're\n\nChannel 1: cool.\n\nChannel 0: not\n\nChannel 1: So yeah.\n\nChannel 0: if yeah. And the other thing that's really cool is if we're not selling down more than 80% of the portfolio, like, it's only a smaller amount, then we can also get hub twenty four to allow us to withdraw those funds quicker. So they will do the the withdrawal prior to the investments all fully being sold down because they know they can recoup those funds later on down the track. So\n\nChannel 1: Okay. Cool. Because we don't\n\nChannel 0: we've\n\nChannel 1: wanna access\n\nChannel 0: got that\n\nChannel 1: we don't\n\nChannel 0: option.\n\nChannel 1: need to access all of it.\n\nChannel 0: Yeah. Yeah. No.\n\nChannel 1: Yeah.\n\nChannel 0: That's perfectly\n\nChannel 1: Like, we need\n\nChannel 0: fine.\n\nChannel 1: to access yeah. Depending\n\nChannel 0: Just a little\n\nChannel 1: on\n\nChannel 0: bit.\n\nChannel 1: what loan\n\nChannel 0: Yeah.\n\nChannel 1: we can get to pay\n\nChannel 0: Yeah.\n\nChannel 1: that back off. Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: That's pretty much what we're looking at. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. Cool. Cool.\n\nChannel 0: Absolutely.\n\nChannel 1: Cool.\n\nChannel 0: No.\n\nChannel 1: Cool.\n\nChannel 0: Nice.\n\nChannel 1: Cool.\n\nChannel 0: Easy. And we don't even have to move him into pension. Once we've got the date, we can withdraw it straight out of the super fund to make it faster as well. So\n\nChannel 1: Yeah. Cool.\n\nChannel 0: yeah.\n\nChannel 1: And\n\nChannel 0: Yep.\n\nChannel 1: then if he decides to go back to work three weeks later, do we just let you know?\n\nChannel 0: You\n\nChannel 1: Or\n\nChannel 0: don't even have to let me know. You can. If you decide him to go back to work and he's had enough, there's no issues whatsoever. He can just go back to work. Anything that's unpreserved, nonrestricted at the time that he is retired remains unrestricted, nonpreserved.\n\nAnything that if he decides to get back to work at a later time and contributions start going back into the fund, those become re preserved until he meets the condition of release. The next condition of release is 65.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Cool. Cool. Cool. Yep.\n\nChannel 0: Yep.\n\nChannel 1: That\n\nChannel 0: The\n\nChannel 1: makes\n\nChannel 0: nice\n\nChannel 1: sense.\n\nChannel 0: nice easy process, and this is a simple email to me saying, I'm gonna retire this date. I need to withdraw this amount of money, and we can absolutely get that sorted. But we can even talk about that in the review when you guys come and we go through your annual review. We can look at what date you wanna retire and kinda get all of that, you know, ready to go and yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I think our head, what do we actually have to do? But yeah. Yeah. Of course.\n\nChannel 0: Yeah.\n\nChannel 1: We can we will sort that out because that's August or something, isn't it?\n\nChannel 0: Yes.\n\nChannel 1: Our\n\nChannel 0: Yep.\n\nChannel 1: review.\n\nChannel 0: August.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah. We\n\nChannel 1: Alright.\n\nChannel 0: we'll probably even try and do it, like, a month before. So that way, you're not having to wait right up until August. Yeah. We don't have to do it right at that particular month. We can do it maybe July if you want to or whenever it's convenient for you guys.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Yep. So\n\nChannel 0: Perfect.\n\nChannel 1: we'll go through Fabian first, see what he can do for us, and\n\nChannel 0: Yep.\n\nChannel 1: pray and hope that he can find to get\n\nChannel 0: Perfect.\n\nChannel 1: this sorted. Yeah. That would be amazing.\n\nChannel 0: Yeah. No. Not a problem at all. Well, I'll\n\nChannel 1: Alright.\n\nChannel 0: do the email up now so it introduces yourself to Fabian, Fabian to you. He\n\nChannel 1: Yeah.\n\nChannel 0: normally sends an email saying, hey. What date and time is more appropriate?\n\nChannel 1: Yep.\n\nChannel 0: Did you want me to just let him know to give you a call sometime today or tomorrow? When do you think I should get him to give you a call?\n\nChannel 1: Yeah. I'm I'm still home today, all day.\n\nChannel 0: Still home? Yep.\n\nChannel 1: But even even if it's, you know, if he doesn't have time today and if it's tomorrow during the week, just that's fine too. I'll just walk away from my but just let him know that if I don't answer straight away, I\n\nChannel 0: Yep.\n\nChannel 1: will\n\nChannel 0: Yep.\n\nChannel 1: call back. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Because if I'm\n\nChannel 0: Yep.\n\nChannel 1: with a customer, obviously, I can't just say, hey. Wait.\n\nChannel 0: No.\n\nChannel 1: I'm just gonna take this call. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: No. That's\n\nChannel 1: But\n\nChannel 0: okay.\n\nChannel 1: yeah. No. That's fine. That's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Beautiful. Lovely. I'll get him to\n\nChannel 1: Yeah.\n\nChannel 0: give you\n\nChannel 1: But\n\nChannel 0: a call\n\nChannel 1: the\n\nChannel 0: then.\n\nChannel 1: sooner\n\nChannel 0: He can\n\nChannel 1: we can\n\nChannel 0: go through\n\nChannel 1: do it, the better.\n\nChannel 0: abs absolutely. Not a problem. I'll let him know. I'll give him some context in the email for you.\n\nChannel 1: Yep.\n\nChannel 0: It'll come through to both of you so you can see what I put in there. I'll get him just to give you a call, and he can talk about servicing, look at everything, you know, in-depth servicing wise for you and let you know what your options are.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And then, yeah, just feel free to let me know what happens there and how it\n\nChannel 1: Oh,\n\nChannel 0: all goes.\n\nChannel 1: of course.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Yes.\n\nChannel 0: you have\n\nChannel 1: Yes.\n\nChannel 0: additional\n\nChannel 1: Yes.\n\nChannel 0: questions, just let me know. Yeah.\n\nChannel 1: Perfect. Thank you so much. You're amazing.\n\nChannel 0: That's okay.\n\nChannel 1: You always put my mind at rest.\n\nChannel 0: Oh, that's good. I like that. Thank you.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: No. It'll be all good. It's very exciting. I love it. It's fantastic.\n\nChannel 1: Yeah. Yeah. It's it's it's all starting, and I think it's just like, oh my god. I I\n\nChannel 0: It's\n\nChannel 1: hate not having\n\nChannel 0: real.\n\nChannel 1: that plan in place. I just need to\n\nChannel 0: Yeah.\n\nChannel 1: know. And,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, this will definitely help. I appreciate it\n\nChannel 0: Oh,\n\nChannel 1: so much.\n\nChannel 0: not\n\nChannel 1: Thank\n\nChannel 0: a problem.\n\nChannel 1: you.\n\nChannel 0: That's okay. I'll get that email to you right now. Not a problem at all of that.\n\nChannel 1: Amazing. Thanks, Donna. Thank you so much.\n\nChannel 0: My pleasure. I'll talk\n\nChannel 1: Okay.\n\nChannel 0: to you soon.\n\nChannel 1: Alright.\n\nChannel 0: See\n\nChannel 1: You\n\nChannel 0: you later.\n\nChannel 1: will. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.12,"sentiment":"neutral","sentiment_score":0.022204313427209858},{"text":"Viv speaking.","start":1.12,"end":1.86,"sentiment":"neutral","sentiment_score":0.04622912034392357}],"sentiment":"neutral","sentiment_score":0.03822085137168566,"channel":1,"num_words":3,"start":0.64,"end":1.86},{"sentences":[{"text":"Hi, Yvette.","start":2.32,"end":2.96,"sentiment":"neutral","sentiment_score":0.17133933305740356},{"text":"It's Dana from Okey Financial.","start":2.96,"end":4.48,"sentiment":"neutral","sentiment_score":0.19725918173789977},{"text":"How are you today?","start":4.48,"end":5.46,"sentiment":"neutral","sentiment_score":0.24207211285829544}],"sentiment":"neutral","sentiment_score":0.20884209329431708,"channel":0,"num_words":11,"start":2.32,"end":5.46},{"sentences":[{"text":"Hello.","start":6.3999996,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.2773284912109375},{"text":"Good.","start":7.2,"end":7.6,"sentiment":"positive","sentiment_score":0.5980688333511353},{"text":"You are so on time.","start":7.6,"end":8.9,"sentiment":"positive","sentiment_score":0.6421955704689026}],"sentiment":"positive","sentiment_score":0.5837678824152265,"channel":1,"num_words":7,"start":6.3999996,"end":8.9},{"sentences":[{"text":"Oh, thank you.","start":9.2,"end":9.92,"sentiment":"positive","sentiment_score":0.5803049802780151},{"text":"I did try.","start":9.92,"end":10.74,"sentiment":"positive","sentiment_score":0.38742170731226605}],"sentiment":"positive","sentiment_score":0.48386334379514057,"channel":0,"num_words":6,"start":9.2,"end":10.74},{"sentences":[{"text":"It's crazy.","start":10.32,"end":11.139999,"sentiment":"neutral","sentiment_score":0.3116442412137985},{"text":"Yeah.","start":11.84,"end":12.34,"sentiment":"neutral","sentiment_score":0.29235970973968506}],"sentiment":"neutral","sentiment_score":0.3052160640557607,"channel":1,"num_words":3,"start":10.32,"end":12.34},{"sentences":[{"text":"All good.","start":14.884999,"end":15.625,"sentiment":"positive","sentiment_score":0.4316328912973404},{"text":"Hey, George.","start":15.684999,"end":16.085,"sentiment":"neutral","sentiment_score":0.0848289392888546},{"text":"I had you booked in for a bit of a cash out just in relation to some lending, I believe.","start":16.085,"end":20.244999,"sentiment":"neutral","sentiment_score":0.03324616877362132},{"text":"Is that right?","start":20.244999,"end":21.145,"sentiment":"neutral","sentiment_score":0.03155784929792086}],"sentiment":"neutral","sentiment_score":0.06638965127920662,"channel":0,"num_words":27,"start":14.884999,"end":21.145},{"sentences":[{"text":"Yeah.","start":21.335,"end":21.835,"sentiment":"neutral","sentiment_score":0.009764902293682098},{"text":"Look.","start":22.135,"end":22.615,"sentiment":"neutral","sentiment_score":0.008356092497706413},{"text":"So","start":22.615,"end":22.935,"sentiment":"neutral","sentiment_score":0.004669826477766037}],"sentiment":"neutral","sentiment_score":0.0075969404230515165,"channel":1,"num_words":3,"start":21.335,"end":22.935},{"sentences":[{"text":"Yeah.","start":22.724998,"end":23.224998,"sentiment":"neutral","sentiment_score":0.003078620880842209}],"sentiment":"neutral","sentiment_score":0.003078620880842209,"channel":0,"num_words":1,"start":22.724998,"end":23.224998},{"sentences":[{"text":"oh my god.","start":23.175,"end":23.895,"sentiment":"neutral","sentiment_score":-0.05109590167800585},{"text":"Alright.","start":23.895,"end":24.215,"sentiment":"neutral","sentiment_score":0.021172598004341125},{"text":"So firstly, the first thing","start":24.215,"end":27.095001,"sentiment":"neutral","sentiment_score":0.001172483031405136}],"sentiment":"neutral","sentiment_score":-0.014028076874738973,"channel":1,"num_words":9,"start":23.175,"end":27.095001},{"sentences":[{"text":"Yeah.","start":26.980001,"end":27.480001,"sentiment":"neutral","sentiment_score":-0.0015168637037277222}],"sentiment":"neutral","sentiment_score":-0.0015168637037277222,"channel":0,"num_words":1,"start":26.980001,"end":27.480001},{"sentences":[{"text":"that's happened, just to keep you updated, is I","start":27.095001,"end":29.335,"sentiment":"neutral","sentiment_score":0.0047640155793892015}],"sentiment":"neutral","sentiment_score":0.0047640155793892015,"channel":1,"num_words":9,"start":27.095001,"end":29.335},{"sentences":[{"text":"Yeah.","start":29.300001,"end":29.800001,"sentiment":"neutral","sentiment_score":-0.06668908149003983}],"sentiment":"neutral","sentiment_score":-0.06668908149003983,"channel":0,"num_words":1,"start":29.300001,"end":29.800001},{"sentences":[{"text":"had a car accident about this Thursday two weeks ago.","start":29.335,"end":34.6,"sentiment":"neutral","sentiment_score":-0.1482023663818836}],"sentiment":"neutral","sentiment_score":-0.1482023663818836,"channel":1,"num_words":10,"start":29.335,"end":34.6},{"sentences":[{"text":"I'm","start":35.06,"end":35.56,"sentiment":"neutral","sentiment_score":-0.16090205311775208}],"sentiment":"neutral","sentiment_score":-0.16090205311775208,"channel":0,"num_words":1,"start":35.06,"end":35.56},{"sentences":[{"text":"Potentially,","start":35.46,"end":35.96,"sentiment":"neutral","sentiment_score":-0.29041311144828796}],"sentiment":"neutral","sentiment_score":-0.29041311144828796,"channel":1,"num_words":1,"start":35.46,"end":35.96},{"sentences":[{"text":"so sorry.","start":35.620003,"end":36.52,"sentiment":"neutral","sentiment_score":-0.30087774991989136}],"sentiment":"neutral","sentiment_score":-0.30087774991989136,"channel":0,"num_words":2,"start":35.620003,"end":36.52},{"sentences":[{"text":"my car will be written off.","start":36.26,"end":38.04,"sentiment":"negative","sentiment_score":-0.3698669523000717}],"sentiment":"negative","sentiment_score":-0.3698669523000717,"channel":1,"num_words":6,"start":36.26,"end":38.04},{"sentences":[{"text":"Yeah.","start":38.195,"end":38.695,"sentiment":"neutral","sentiment_score":-0.14322185516357422}],"sentiment":"neutral","sentiment_score":-0.14322185516357422,"channel":0,"num_words":1,"start":38.195,"end":38.695},{"sentences":[{"text":"I just heard from RACQ today, and they said the the the repairs are looking very high, but I","start":39.3,"end":47.254997,"sentiment":"neutral","sentiment_score":-0.18559168004675916}],"sentiment":"neutral","sentiment_score":-0.18559168004675916,"channel":1,"num_words":19,"start":39.3,"end":47.254997},{"sentences":[{"text":"Yep.","start":47.234997,"end":47.734997,"sentiment":"neutral","sentiment_score":-0.14685148000717163}],"sentiment":"neutral","sentiment_score":-0.14685148000717163,"channel":0,"num_words":1,"start":47.234997,"end":47.734997},{"sentences":[{"text":"won't know for a little while.","start":47.254997,"end":48.614998,"sentiment":"neutral","sentiment_score":-0.1841954067349434},{"text":"So","start":48.614998,"end":49.114998,"sentiment":"neutral","sentiment_score":-0.05140841752290726}],"sentiment":"neutral","sentiment_score":-0.16522583684750966,"channel":1,"num_words":7,"start":47.254997,"end":49.114998},{"sentences":[{"text":"Yep.","start":48.914997,"end":49.414997,"sentiment":"neutral","sentiment_score":-0.051648594439029694}],"sentiment":"neutral","sentiment_score":-0.051648594439029694,"channel":0,"num_words":1,"start":48.914997,"end":49.414997},{"sentences":[{"text":"that's number one thing.","start":49.254997,"end":50.934998,"sentiment":"neutral","sentiment_score":-0.05618977639824152},{"text":"Obviously, we will get some money, and I'll just get some secondhand car to get","start":50.934998,"end":56.055,"sentiment":"neutral","sentiment_score":-0.03875332660973072}],"sentiment":"neutral","sentiment_score":-0.042424158144154046,"channel":1,"num_words":19,"start":49.254997,"end":56.055},{"sentences":[{"text":"Yeah.","start":56.050003,"end":56.550003,"sentiment":"neutral","sentiment_score":-0.026180312037467957}],"sentiment":"neutral","sentiment_score":-0.026180312037467957,"channel":0,"num_words":1,"start":56.050003,"end":56.550003},{"sentences":[{"text":"us around, which is fine.","start":56.055,"end":57.675,"sentiment":"neutral","sentiment_score":-0.007938699796795845}],"sentiment":"neutral","sentiment_score":-0.007938699796795845,"channel":1,"num_words":5,"start":56.055,"end":57.675},{"sentences":[{"text":"Yeah.","start":58.13,"end":58.63,"sentiment":"neutral","sentiment_score":-0.027817651629447937}],"sentiment":"neutral","sentiment_score":-0.027817651629447937,"channel":0,"num_words":1,"start":58.13,"end":58.63},{"sentences":[{"text":"But what I I really as you know, we've only got the lease on this place now until the March 1 year.","start":59.49,"end":69.51,"sentiment":"neutral","sentiment_score":-0.09618871506642211}],"sentiment":"neutral","sentiment_score":-0.09618871506642211,"channel":1,"num_words":22,"start":59.49,"end":69.51},{"sentences":[{"text":"Yes.","start":69.585,"end":70.085,"sentiment":"neutral","sentiment_score":-0.04927069693803787}],"sentiment":"neutral","sentiment_score":-0.04927069693803787,"channel":0,"num_words":1,"start":69.585,"end":70.085},{"sentences":[{"text":"And we've started the whole bus bill.","start":69.73,"end":72.45,"sentiment":"neutral","sentiment_score":-0.11712531000375748},{"text":"We've given them pretty much all their money, all that sort of stuff.","start":72.45,"end":75.705,"sentiment":"neutral","sentiment_score":-0.17426047703394523},{"text":"The costs","start":75.705,"end":76.365,"sentiment":"neutral","sentiment_score":-0.09004879370331764}],"sentiment":"neutral","sentiment_score":-0.14842549813064662,"channel":1,"num_words":22,"start":69.73,"end":76.365},{"sentences":[{"text":"Yep.","start":76.4,"end":76.9,"sentiment":"neutral","sentiment_score":-0.1411917805671692}],"sentiment":"neutral","sentiment_score":-0.1411917805671692,"channel":0,"num_words":1,"start":76.4,"end":76.9},{"sentences":[{"text":"are going up, which is","start":76.425,"end":77.885,"sentiment":"neutral","sentiment_score":-0.1513255089521408}],"sentiment":"neutral","sentiment_score":-0.1513255089521408,"channel":1,"num_words":5,"start":76.425,"end":77.885},{"sentences":[{"text":"Yep.","start":77.76,"end":78.26,"sentiment":"neutral","sentiment_score":-0.09933780133724213}],"sentiment":"neutral","sentiment_score":-0.09933780133724213,"channel":0,"num_words":1,"start":77.76,"end":78.26},{"sentences":[{"text":"expected.","start":78.505,"end":79.005,"sentiment":"neutral","sentiment_score":-0.09989798814058304}],"sentiment":"neutral","sentiment_score":-0.09989798814058304,"channel":1,"num_words":1,"start":78.505,"end":79.005},{"sentences":[{"text":"Yep.","start":79.76,"end":80.26,"sentiment":"neutral","sentiment_score":-0.056021057069301605}],"sentiment":"neutral","sentiment_score":-0.056021057069301605,"channel":0,"num_words":1,"start":79.76,"end":80.26},{"sentences":[{"text":"He's wanting a little bit more now to do the next bit before the costs go up,","start":80.665,"end":85.565,"sentiment":"neutral","sentiment_score":-0.1301335920305813}],"sentiment":"neutral","sentiment_score":-0.1301335920305813,"channel":1,"num_words":17,"start":80.665,"end":85.565},{"sentences":[{"text":"Right.","start":86.015,"end":86.515,"sentiment":"neutral","sentiment_score":-0.05420165881514549}],"sentiment":"neutral","sentiment_score":-0.05420165881514549,"channel":0,"num_words":1,"start":86.015,"end":86.515},{"sentences":[{"text":"which which I totally understand.","start":87.065,"end":88.765,"sentiment":"neutral","sentiment_score":-0.07717962265014648}],"sentiment":"neutral","sentiment_score":-0.07717962265014648,"channel":1,"num_words":5,"start":87.065,"end":88.765},{"sentences":[{"text":"Yep.","start":89.455,"end":89.955,"sentiment":"neutral","sentiment_score":-0.11630818247795104}],"sentiment":"neutral","sentiment_score":-0.11630818247795104,"channel":0,"num_words":1,"start":89.455,"end":89.955},{"sentences":[{"text":"And with the fear of not having this place for that much longer, because I just got a feeling they wanna sell the place.","start":90.71999,"end":98.34,"sentiment":"negative","sentiment_score":-0.46921315354605514}],"sentiment":"negative","sentiment_score":-0.46921315354605514,"channel":1,"num_words":24,"start":90.71999,"end":98.34},{"sentences":[{"text":"Yep.","start":98.67,"end":99.17,"sentiment":"neutral","sentiment_score":-0.1921236217021942}],"sentiment":"neutral","sentiment_score":-0.1921236217021942,"channel":0,"num_words":1,"start":98.67,"end":99.17},{"sentences":[{"text":"Because when I asked for another two years, they said, no.","start":99.6,"end":102.0,"sentiment":"neutral","sentiment_score":-0.29221210154620086},{"text":"We'll only give you 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that.","start":787.58,"end":789.2,"sentiment":"positive","sentiment_score":0.3494964007820402}],"sentiment":"positive","sentiment_score":0.3615167886018753,"channel":0,"num_words":17,"start":785.02,"end":789.2},{"sentences":[{"text":"Amazing.","start":788.79,"end":789.26996,"sentiment":"positive","sentiment_score":0.8536214828491211},{"text":"Thanks, Donna.","start":789.26996,"end":790.17,"sentiment":"positive","sentiment_score":0.840719997882843},{"text":"Thank you so much.","start":790.23,"end":791.29,"sentiment":"positive","sentiment_score":0.8899196535348892}],"sentiment":"positive","sentiment_score":0.8706771561077663,"channel":1,"num_words":7,"start":788.79,"end":791.29},{"sentences":[{"text":"My pleasure.","start":790.80896,"end":791.62897,"sentiment":"positive","sentiment_score":0.8238296508789062},{"text":"I'll talk","start":791.68896,"end":792.0889,"sentiment":"positive","sentiment_score":0.4278092384338379}],"sentiment":"positive","sentiment_score":0.6258194446563721,"channel":0,"num_words":4,"start":790.80896,"end":792.0889},{"sentences":[{"text":"Okay.","start":792.06995,"end":792.56995,"sentiment":"positive","sentiment_score":0.38081854581832886}],"sentiment":"positive","sentiment_score":0.38081854581832886,"channel":1,"num_words":1,"start":792.06995,"end":792.56995},{"sentences":[{"text":"to you soon.","start":792.0889,"end":792.8289,"sentiment":"positive","sentiment_score":0.38202019532521564}],"sentiment":"positive","sentiment_score":0.38202019532521564,"channel":0,"num_words":3,"start":792.0889,"end":792.8289},{"sentences":[{"text":"Alright.","start":792.94995,"end":793.26996,"sentiment":"neutral","sentiment_score":0.23095254600048065}],"sentiment":"neutral","sentiment_score":0.23095254600048065,"channel":1,"num_words":1,"start":792.94995,"end":793.26996},{"sentences":[{"text":"See","start":793.12897,"end":793.28894,"sentiment":"neutral","sentiment_score":0.31085243821144104}],"sentiment":"neutral","sentiment_score":0.31085243821144104,"channel":0,"num_words":1,"start":793.12897,"end":793.28894},{"sentences":[{"text":"You","start":793.26996,"end":793.50995,"sentiment":"neutral","sentiment_score":0.3309681713581085}],"sentiment":"neutral","sentiment_score":0.3309681713581085,"channel":1,"num_words":1,"start":793.26996,"end":793.50995},{"sentences":[{"text":"you later.","start":793.28894,"end":793.9489,"sentiment":"neutral","sentiment_score":0.2949133589863777}],"sentiment":"neutral","sentiment_score":0.2949133589863777,"channel":0,"num_words":2,"start":793.28894,"end":793.9489},{"sentences":[{"text":"will.","start":793.50995,"end":793.75,"sentiment":"neutral","sentiment_score":0.1006736308336258},{"text":"Bye bye.","start":793.75,"end":794.37885,"sentiment":"neutral","sentiment_score":0.10763107612729073}],"sentiment":"neutral","sentiment_score":0.10531192769606908,"channel":1,"num_words":3,"start":793.50995,"end":794.37885},{"sentences":[{"text":"Bye.","start":794.48895,"end":794.98895,"sentiment":"neutral","sentiment_score":-0.12271229177713394}],"sentiment":"neutral","sentiment_score":-0.12271229177713394,"channel":0,"num_words":1,"start":794.48895,"end":794.98895}]},"summary":{"result":"success","short":"A representative from Okey Financial called Yvette to discuss a cash-out loan for a building due to high costs. They suggested finding a broker to help with the loan and discussed the importance of understanding interest rates of personal loans. Yvette is interested in a secured loan to pay off a home loan and is concerned about interest rates. The agent suggests a mortgage broker who can help with unsecured loans and offers to put Yvette in touch with another lender. They discuss accessing the loan on Yvette's birthday and the process of selling funds quickly. The agent explains that they can pay off the loan in a few months and that retirement is not necessary. They also discuss the retirement date and the process of sending an email to access the loan."},"intents":{"segments":[{"text":"I just heard from RACQ today, and they said the the the repairs are looking very high, but I Yep. won't know for a little while. So Yep.","start_word":102,"end_word":129,"intents":[{"intent":"Market car repairs","confidence_score":0.000048963135}]},{"text":"So we were looking at, well, what's the possibility of finding a broker of some sort that could get us a loan for the build, Yep.","start_word":318,"end_word":343,"intents":[{"intent":"Find a broker","confidence_score":0.46440002},{"intent":"Inquire about a broker","confidence_score":0.00015718817},{"intent":"Look at a broker","confidence_score":0.24835318},{"intent":"Review a broker","confidence_score":0.00041886984},{"intent":"Look at a broker","confidence_score":0.21043496}]},{"text":"And I thought maybe you guys would know someone who can really kinda think outside the box as a broker Absolutely.","start_word":423,"end_word":443,"intents":[{"intent":"Consider a broker","confidence_score":0.045258816},{"intent":"Consider a broker","confidence_score":0.07985559}]},{"text":"they look at a lender that might be able to do it that, you know, it's not gonna be as as low as a home loan rate, but it might not be as high as a personal loan rate. Yeah.","start_word":574,"end_word":613,"intents":[{"intent":"Look at a lender","confidence_score":0.1675161},{"intent":"Consider a lender","confidence_score":0.010123197}]},{"text":"But I would be more than happy to put you in touch with Fabian if you like. I can do an email that introduces you to him and him to you. They'll Yeah.","start_word":724,"end_word":756,"intents":[{"intent":"Introduce to faisir","confidence_score":0.019988691}]},{"text":"If you're comfortable with me in the email, I can put down that, you know, this is for this is gonna be your main primary residence down the track, that the goal is to access super to to to draw the funds out when Phil reaches 65 oh, sorry, 60.","start_word":762,"end_word":811,"intents":[{"intent":"Access super super super","confidence_score":0.0029168},{"intent":"Draw funds","confidence_score":0.016030487}]},{"text":"the 100 loan purpose percent. is and and the goal around that so they can maybe have more of a conversation, look at the borrowing capacity, and maybe look at what options they might have for lending. Does that sound right?","start_word":828,"end_word":868,"intents":[{"intent":"Discuss borrowing capacity","confidence_score":0.7446515}]},{"text":"So, yeah, I would love to be able to speak to someone ASAP Yep. so that we know that we can go on with the next stage and say, Yep. hey. Here's that extra $20 or here's that $50 or here's that $75 or Yep. whatever to get it all done. Because Yep.","start_word":962,"end_word":1014,"intents":[{"intent":"Speak to someone asap","confidence_score":0.024407376}]},{"text":"If they've got that completed, you could have a bit of a test run, have a holiday somewhere and see how you like it, Exactly.","start_word":1074,"end_word":1098,"intents":[{"intent":"Complete testing and holiday","confidence_score":0.00043480215}]},{"text":"we are capable of paying back over Yep. the next twelve months the loan, but if we can take it out over as long as possible and then Yep. pay it back and have as as minimal break freeze a bake break fees Break free.","start_word":1238,"end_word":1282,"intents":[{"intent":"Manage and organize financial arrangements","confidence_score":0.00045112477}]},{"text":"Well, as soon as I get off this call, I'll do the email up with the introductions. It'll come through straight away. Alright.","start_word":1298,"end_word":1320,"intents":[{"intent":"Provide introductions and schedule phone call","confidence_score":0.0010395062}]},{"text":"The other question Phil had is to access it on his sixtieth birthday, for example, and his his work is all over it.","start_word":1423,"end_word":1445,"intents":[{"intent":"Access and access retirement funds","confidence_score":0.014952807}]},{"text":"And then we we process the withdrawal on this end for you.","start_word":1556,"end_word":1567,"intents":[{"intent":"Process withdrawal","confidence_score":0.23297879}]},{"text":"And then from that, we process and withdraw everything here. It can take about a week or two depending on the buyers and sales and what the super fund has to do, but we can also sell the funds so they come out of maybe some investments and make it a faster process for you as well. Yeah.","start_word":1723,"end_word":1780,"intents":[{"intent":"Explain processing and withdrawal options","confidence_score":4.1480732e-7}]},{"text":"Did you want me to just let him know to give you a call sometime today or tomorrow? When do you think I should get him to give you a call?","start_word":2341,"end_word":2371,"intents":[{"intent":"Schedule retirement retirement call","confidence_score":0.000035217927}]},{"text":"But even even if it's, you know, if he doesn't have time today and if it's tomorrow during the week, just that's fine too. I'll just walk away from my but just let him know that if I don't answer straight away, I Yep. will Yep. call back. Yeah.","start_word":2384,"end_word":2432,"intents":[{"intent":"Schedule service appointment","confidence_score":0.03089228}]}]},"sentiments":{"segments":[{"text":"Hello? Viv speaking. Hi, Yvette. It's Dana from Okey Financial. How are you today? Hello.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.17314781248569489},{"text":"Good. You are so on time. Oh, thank you. I did try.","start_word":15,"end_word":26,"sentiment":"positive","sentiment_score":0.5558866858482361},{"text":"It's crazy. Yeah.","start_word":27,"end_word":29,"sentiment":"neutral","sentiment_score":0.3077000677585602},{"text":"All good.","start_word":30,"end_word":31,"sentiment":"positive","sentiment_score":0.4105130136013031},{"text":"Hey, George. I had you booked in for a bit of a cash out just in relation to some lending, I believe. Is that right? Yeah. Look. So Yeah. oh my god. Alright. So firstly, the first thing Yeah. that's happened, just to keep you updated, is I Yeah. had a car accident about this Thursday two weeks ago. I'm Potentially, so sorry.","start_word":32,"end_word":94,"sentiment":"neutral","sentiment_score":-0.03161583095788956},{"text":"my car will be written off.","start_word":95,"end_word":100,"sentiment":"negative","sentiment_score":-0.36290279030799866},{"text":"Yeah. I just heard from RACQ today, and they said the the the repairs are looking very high, but I Yep. won't know for a little while. So Yep. that's number one thing. Obviously, we will get some money, and I'll just get some secondhand car to get Yeah. us around, which is fine. Yeah. But what I I really as you know, we've only got the lease on this place now until the March 1 year. Yes. And we've started the whole bus bill. We've given them pretty much all their money, all that sort of stuff. The costs Yep. are going up, which is Yep. expected. Yep. He's wanting a little bit more now to do the next bit before the costs go up, Right. which which I totally understand. Yep.","start_word":101,"end_word":233,"sentiment":"neutral","sentiment_score":-0.11075840145349504},{"text":"And with the fear of not having this place for that much longer, because I just got a feeling they wanna sell the place.","start_word":234,"end_word":257,"sentiment":"negative","sentiment_score":-0.4712587893009186},{"text":"Yep. Because when I asked for another two years, they said, no. We'll only give you one. Right.","start_word":258,"end_word":275,"sentiment":"neutral","sentiment_score":-0.2623390257358551},{"text":"And last time, it was not a problem and, you know, it was like, oh, I really I've got this really bad feeling that even if we ask for another six months, they're gonna say no. They wanna sell it.","start_word":276,"end_word":315,"sentiment":"negative","sentiment_score":-0.4388904869556427},{"text":"Yeah. So we were looking at, well, what's the possibility of finding a broker of some sort that could get us a loan for the build, Yep. and we pay that as we go, Yep. like, Yes. whatever the repayments are. And when we get to April next year when Phil can access his money, we just pay it off. Or if they say it's a minimum one year or whatever Yep. it is, Yeah. then we pay it for a year because if there's too many pay early payouts and I get all of that, Yep. then maybe that's something we can really look at. Yeah. And I thought maybe you guys would know someone who can really kinda think outside the box as a broker Absolutely. Yes. that Yep. can see the big picture rather than Yes. you know, because personal loans are gonna cost us over a disgusting amount of interest. Like, we even just went online to ANZ, and it was like, oh my god. That was just scary. It is. Yes. Because it's gonna be an unsecured loan, which makes it really difficult Correct. and very Correct. high and very risky Yes. for the bank. So yeah. Yeah. Yeah. And and I get all that. I've been there. I've done that. I've done the banking. I I understand. But I just need Yeah. someone who can really see that big picture and Yes. can see that we will have that money, but just not for another year. Yes. And Yeah. can can Yeah. they look at a lender that might be able to do it that, you know, it's not gonna be as as low as a home loan rate, but it might not be as high as a personal loan rate. Yeah. Absolutely. Well, I know secured unsecured loans at the moment are going anywhere from 12 to 15% to 20 something just to percent Oh, depending on what you're looking at, which is phenomenally huge.","start_word":316,"end_word":647,"sentiment":"neutral","sentiment_score":-0.016336973975356443},{"text":"Yes. We absolutely do.","start_word":648,"end_word":651,"sentiment":"positive","sentiment_score":0.4678462743759155},{"text":"So we do have a mortgage broker who does personal lending, so Fabian.","start_word":652,"end_word":664,"sentiment":"neutral","sentiment_score":0.33062294125556946},{"text":"He's very, very good at this.","start_word":665,"end_word":670,"sentiment":"positive","sentiment_score":0.433029979467392},{"text":"It may have to come down to it being a unsecured personal loan, But if you extend the term out to the longest possible term frame and he might be able to do it so it's variable, so there may be less in the way of break cost and things like that. Mhmm.","start_word":671,"end_word":723,"sentiment":"neutral","sentiment_score":0.06446422636508942},{"text":"But I would be more than happy to put you in touch with Fabian if you like.","start_word":724,"end_word":740,"sentiment":"positive","sentiment_score":0.3501443564891815},{"text":"I can do an email that introduces you to him and him to you. They'll Yeah. touch base, have a chat. If you're comfortable with me in the email, I can put down that, you know, this is for this is gonna be your main primary residence down the track, that the goal is to access super to to to draw the funds out when Phil reaches 65 oh, sorry, 60. And then, you know, sort of give him a bit of context around Yeah. what Yeah. the 100 loan purpose percent. is and and the goal around that so they can maybe have more of a conversation, look at the borrowing capacity, and maybe look at what options they might have for lending. Does that sound right? Or Yeah. Yeah. Exactly. Yep. Exactly.","start_word":741,"end_word":874,"sentiment":"neutral","sentiment_score":0.16164617240428925},{"text":"So Beautiful.","start_word":875,"end_word":876,"sentiment":"positive","sentiment_score":0.6188654899597168},{"text":"having worked in a broker business, I know there are just so many options rather than just Absolutely. going to ANZ and that Absolutely. they've got so many other places that, you know, look at Yeah. things like this. They have those second tier lenders that might even just be appropriate for the time being to give you a lower interest rate knowing that you're gonna be able to pay this back at another time frame. I completely Exactly. get it. Yeah. Exactly. Yeah. Yep. So, yeah, I would love to be able to speak to someone ASAP Yep. so that we know that we can go on with the next stage and say, Yep. hey. Here's that extra $20 or here's that $50 or here's that $75 or Yep. whatever to get it all done. Because Yep. the builder has said he could potentially have it done, you know, Christmas, January, the whole thing Wow. completed if That we is insane. Yeah. rather than waiting until Yep. April and then having another six to eight months, which we may Yeah. not have. And that'd be cool because you still have that time frame in the house. If they've got that completed, you could have a bit of a test run, have a holiday somewhere and see how you like it, Exactly. see what's, And you if know, there are any feeling tweaks for you. that needed to be made and, Absolutely. you know, really pull through the house and and what we want and get it straight into the bus Yeah. and and get those final little Yeah. bits and pieces sorted. So that's kinda where we're at. And I I did wanna flag it Perfect. through you because I'm like, I Yep. don't know what else to do. I'm I'm at a bit of a I'm having a little bit of a panic moment, to be absolutely Yeah. honest, because it's all Yep. just happening. Yes. So, yeah, if we can organize that and if you can give him, like, all the heads up, I'm Yep. no problems with that Absolutely. so that he knows. You know? We Yep. we are capable of paying back over Yep. the next twelve months the loan, but if we can take it out over as long as possible and then Yep. pay it back and have as as minimal break freeze a bake break fees Break free. as Yes. possible, Yeah.","start_word":877,"end_word":1286,"sentiment":"neutral","sentiment_score":0.1067955475754854},{"text":"that would Absolutely. be good too.","start_word":1287,"end_word":1292,"sentiment":"positive","sentiment_score":0.37041378021240234},{"text":"Not a problem at all. Well, as soon as I get off this call, I'll do the email up with the introductions. It'll come through straight away. Alright. Perfect. Is it better if the broker makes contact with yourself, or is it better for Phil or both of you? What would be the best option for you at the moment? Oh, look. I I'm probably more accessible to receiving the Yep. phone call. Yep. That's why I work and just go, whereas he's driving, he can't. So, Yeah. Yeah. probably, Yeah. I'm the contact. Probably know a little bit more about it than Phil does anyway and understand it Yeah. a little bit better. Yeah. Yeah.","start_word":1293,"end_word":1408,"sentiment":"neutral","sentiment_score":0.06441890345565204},{"text":"So, yeah, that would Perfect. be great. Perfect. The yeah. That would be amazing.","start_word":1409,"end_word":1422,"sentiment":"positive","sentiment_score":0.5971957445144653},{"text":"The other question Phil had is to access it on his sixtieth birthday, for example, and his his work is all over it. But what sort of phone call, email what how do we tell people? Like, how do we tell you, his company, Mhmm. Super, ATO, that he's Mhmm. retiring and that he wants to access it from his sixtieth? All all we need to do is I just need a date. So, essentially, if he can email me and just say, hey. I'm gonna retire at this date, we can have the paperwork pre like, pre done so he can sign it on the date that he has chosen to retire, and we can submit Yep. that off to get the, to get the funds changed, the preservation changes very quickly. And then we we process the withdrawal on this end for you. So, yeah, Mhmm. I just Okay. need an Cool. email with the date that I'm planning. So he just needs to say, I'm planning to retire on this date, and that's all he needs to tell me and that he wants to proceed with the withdrawal of so much money. And that's all I need to know, and I can do the rest of it for you. Yep. Okay. And from Yep. from when that happens to being able Mhmm. to access it, it is like a week, two weeks, a month. So they will do the process very, very quickly. Yeah. We will do the sell downs straight away once we've got everything ready to go. Yeah. The super fund normally takes about a day. So it's, like, one day to have it all ticked the the boxes ticked, the things all changed over so the funds are not turned to nonpreserved, unrestricted. Mhmm. And then from that, we process and withdraw everything here. It can take about a week or two depending on the buyers and sales and what the super fund has to do, but we can also sell the funds so they come out of maybe some investments and make it a faster process for you as well. Yeah. No. And if That's we're cool. not So yeah. if yeah. And the other thing that's really cool is if we're not selling down more than 80% of the portfolio, like, it's only a smaller amount, then we can also get hub twenty four to allow us to withdraw those funds quicker. So they will do the the withdrawal prior to the investments all fully being sold down because they know they can recoup those funds later on down the track. So Okay.","start_word":1423,"end_word":1863,"sentiment":"neutral","sentiment_score":0.12483372066229108},{"text":"Cool.","start_word":1864,"end_word":1864,"sentiment":"positive","sentiment_score":0.33514171838760376},{"text":"Because we don't we've wanna access got that we option. don't need to access all of it. Yeah. Yeah. No. Yeah. That's perfectly Like, we need fine. to access yeah. Depending Just a little on bit. what loan Yeah. we can get to pay Yeah. that back off. Yeah.","start_word":1865,"end_word":1913,"sentiment":"neutral","sentiment_score":0.046849288046360016},{"text":"Absolutely.","start_word":1914,"end_word":1914,"sentiment":"positive","sentiment_score":0.36011141538619995},{"text":"That's pretty much what we're looking at. Yeah. Yeah. Alright.","start_word":1915,"end_word":1924,"sentiment":"neutral","sentiment_score":0.27481916546821594},{"text":"Cool. Cool. Absolutely. Cool.","start_word":1925,"end_word":1928,"sentiment":"positive","sentiment_score":0.42110109329223633},{"text":"No.","start_word":1929,"end_word":1929,"sentiment":"neutral","sentiment_score":0.2663295567035675},{"text":"Cool. Nice. Cool. Easy.","start_word":1930,"end_word":1933,"sentiment":"positive","sentiment_score":0.5472512245178223},{"text":"And we don't even have to move him into pension. Once we've got the date, we can withdraw it straight out of the super fund to make it faster as well. So Yeah.","start_word":1934,"end_word":1966,"sentiment":"neutral","sentiment_score":0.2315736562013626},{"text":"Cool.","start_word":1967,"end_word":1967,"sentiment":"positive","sentiment_score":0.3483186662197113},{"text":"yeah. And Yep. then if he decides to go back to work three weeks later, do we just let you know? You Or don't even have to let me know. You can. If you decide him to go back to work and he's had enough, there's no issues whatsoever. He can just go back to work. Anything that's unpreserved, nonrestricted at the time that he is retired remains unrestricted, nonpreserved. Anything that if he decides to get back to work at a later time and contributions start going back into the fund, those become re preserved until he meets the condition of release. The next condition of release is 65. Yeah. Yeah. Okay.","start_word":1968,"end_word":2080,"sentiment":"neutral","sentiment_score":0.11611539680939333},{"text":"Cool. Cool. Cool. Yep.","start_word":2081,"end_word":2084,"sentiment":"positive","sentiment_score":0.47880280017852783},{"text":"Yep.","start_word":2085,"end_word":2085,"sentiment":"neutral","sentiment_score":0.30282819271087646},{"text":"That The makes nice sense. nice easy process, and this is a simple email to me saying, I'm gonna retire this date. I need to withdraw this amount of money, and we can absolutely get that sorted.","start_word":2086,"end_word":2122,"sentiment":"positive","sentiment_score":0.4121810793876648},{"text":"But we can even talk about that in the review when you guys come and we go through your annual review. We can look at what date you wanna retire and kinda get all of that, you know, ready to go and yeah. Yeah. Yeah. Yep. I think our head, what do we actually have to do? But yeah. Yeah. Of course. Yeah. We can we will sort that out because that's August or something, isn't it? Yes. Our Yep. review. August. Yeah. Yeah. Yeah. Yeah. We Alright. we'll probably even try and do it, like, a month before. So that way, you're not having to wait right up until August. Yeah. We don't have to do it right at that particular month. We can do it maybe July if you want to or whenever it's convenient for you guys. So Yeah. Yeah. Okay. Yep. So Perfect. we'll go through Fabian first, see what he can do for us, and Yep. pray and hope that he can find to get Perfect. this sorted.","start_word":2123,"end_word":2295,"sentiment":"neutral","sentiment_score":0.11837303638458252},{"text":"Yeah. That would be amazing.","start_word":2296,"end_word":2300,"sentiment":"positive","sentiment_score":0.45929232239723206},{"text":"Yeah. No. Not a problem at all. Well, I'll Alright. do the email up now so it introduces yourself to Fabian, Fabian to you. He Yeah. normally sends an email saying, hey. What date and time is more appropriate? Yep. Did you want me to just let him know to give you a call sometime today or tomorrow? When do you think I should get him to give you a call? Yeah. I'm I'm still home today, all day. Still home? Yep. But even even if it's, you know, if he doesn't have time today and if it's tomorrow during the week, just that's fine too. I'll just walk away from my but just let him know that if I don't answer straight away, I Yep. will Yep. call back. Yeah. Yep. Because if I'm Yep. with a customer, obviously, I can't just say, hey. Wait. No. I'm just gonna take this call. But Yeah. yeah. No. That's But okay. yeah. No. That's fine. That's Yep. fine.","start_word":2301,"end_word":2467,"sentiment":"neutral","sentiment_score":0.0432350032622675},{"text":"Beautiful. Lovely.","start_word":2468,"end_word":2469,"sentiment":"positive","sentiment_score":0.4904326796531677},{"text":"I'll get him to Yeah. give you But a call the then. sooner He can we can go through do it, the better. abs absolutely. Not a problem. I'll let him know. I'll give him some context in the email for you. Yep. It'll come through to both of you so you can see what I put in there. I'll get him just to give you a call, and he can talk about servicing, look at everything, you know, in-depth servicing wise for you and let you know what your options are. Yep. Yep. And then, yeah, just feel free to let me know what happens there and how it Oh, all goes. of course. And Yeah. if Yes. you have Yes. additional Yes. questions, just let me know. Yeah.","start_word":2470,"end_word":2599,"sentiment":"neutral","sentiment_score":0.08074586093425751},{"text":"Perfect. Thank you so much. You're amazing. That's okay. You always put my mind at rest. Oh, that's good. I like that. Thank you.","start_word":2600,"end_word":2623,"sentiment":"positive","sentiment_score":0.4557667672634125},{"text":"Yeah. Yeah. No. It'll be all good.","start_word":2624,"end_word":2630,"sentiment":"neutral","sentiment_score":0.19923359155654907},{"text":"It's very exciting. I love it. It's fantastic.","start_word":2631,"end_word":2638,"sentiment":"positive","sentiment_score":0.6382030844688416},{"text":"Yeah. Yeah. It's it's it's all starting, and I think it's just like, oh my god. I I It's hate not having real. that plan in place. I just need to Yeah. know. And, Yeah.","start_word":2639,"end_word":2673,"sentiment":"neutral","sentiment_score":0.07529667764902115},{"text":"yeah, this will definitely help.","start_word":2674,"end_word":2678,"sentiment":"positive","sentiment_score":0.4265947639942169},{"text":"I appreciate it Oh, so much. not Thank a problem. you.","start_word":2679,"end_word":2689,"sentiment":"neutral","sentiment_score":0.15241284668445587},{"text":"That's okay. I'll get that email to you right now.","start_word":2690,"end_word":2699,"sentiment":"positive","sentiment_score":0.3658334016799927},{"text":"Not a problem at all of that.","start_word":2700,"end_word":2706,"sentiment":"neutral","sentiment_score":0.3316133916378021},{"text":"Amazing. Thanks, Donna. Thank you so much. My pleasure. I'll talk Okay. to you soon.","start_word":2707,"end_word":2721,"sentiment":"positive","sentiment_score":0.6594275236129761},{"text":"Alright. See You you later. will. Bye bye. Bye.","start_word":2722,"end_word":2730,"sentiment":"neutral","sentiment_score":0.17790184915065765}],"average":{"sentiment":"neutral","sentiment_score":0.09119209429413164}}}}